 Hello, I'm Sarmader of the Army, Dan Daly. You've probably heard lots of discussion this year about the new blended retirement system. If you are one of the eligible, active, reserve, or National Guard service members who still has yet to make a decision, your clock is ticking. And we are rapidly approaching the opt-in deadline of December 31, 2018. There's lots to consider when you're making your decision, but we have resources available to help you. The biggest thing to remember about the blended retirement system is that it offers you government provided retirement benefits, even if you don't serve a full 20-year career. Of course, you'd still have to serve a full career in order to earn a pension. If there's a possibility you won't serve 20 years, you should think very strongly about opting into the blended retirement system and what it could mean for you, both personally and professionally. Even if you do think you might serve a full career, you may be interested in the options under the blended retirement system. Deciding between the legacy system and the blended retirement system is a highly personal choice that only you can make. Talk with trusted family and friends about your choice and get free support from a personal, financial manager or counselor at your installation or through military one source. If you do decide that the blended retirement system is the choice for you, ensure you opt in by December 31, 2018 through MyPay, Marine Online or Direct Access depending on your branch of service. The choice is yours, but remember the clock is ticking. For more information, visit the website below.