If you reached age 65 before 1 April 2016, and are still paying in to USS, your late retirement factor would be a combination of all three columns. year 2 month factor = 0 year factor + (1 year factor − 0 year factor) x 2/12 = 0 + (0.06 − 0) x 2/12 = 0.01 This factor would be used when you’re using your MPAVCs with Prudential, or MPAVCs you’ve moved from Prudential into the Investment Builder, to create extra pension in the Retirement Income Builder. The factor used is dependent on the age you are when the conversion is applied. This factor is reviewed monthly based on market conditions and other influences. Pre 1 April 2022 Factor at 58 years 3 months = Factor at 58 + [(Factor at 59 − Factor at 58) x 3/12] = Factor to be used

Insinna, Valerie (24 July 2020). "Four companies win contracts to build the Air Force's Skyborg drone". Defense News . Retrieved 19 April 2023. Their continued active membership of USS after age 65 runs across all of the periods detailed above, and the late retirement factor will therefore be a combination of all three columns. We therefore calculate it in three parts:Losey, Stephen (18 July 2022). "Valkyrie success may push Skyborg drone concept to other programs, Kratos says". Defense News . Retrieved 19 April 2023. year 6 month factor = 4 year factor + (5 year factor − 4 year factor) x 6/12 = 0.168 + (0.21 − 0.168) x 6/12 = 0.189

Overall factor = (pre 1 April 2022 percentage x pre 1 April 2022 factor) + (post 1 April 2022 percentage x post 1 April 2022 factor) To list the first six multiples of 58, we can use the formula: n x 58, where n is a natural number. Starting with the ones digit of the bottom number, the multiplier, multiply it by the last digit in the top number The amount you’re converting would be divided by the relevant factor to create an extra annual pension. If you convert the fund into annual pension this will also increase your spouse’s or dependant’s pension on the event of your death. A polynomial with rational coefficients can sometimes be written as a product of lower-degree polynomials that also have rational coefficients. In such cases, the polynomial is said to "factor over the rationals." Factoring is a useful way to find rational roots (which correspond to linear factors) and simple roots involving square roots of integers (which correspond to quadratic factors).

Long Multiplication Example: Multiply 234 by 56

The overall commutation factor is therefore calculated by combining the two factors in these proportions, as follows: Hitchens, Theresa (28 July 2020). "AF Will Choose Skyborg Prototypes This Summer". Breaking Defense . Retrieved 19 April 2023. The final factor is then determined by combining these factors. The first is added to 1, and the result is multiplied by the second factor: