[ColdWater]

and 3% of my "high three" years.

Don't you mean:

3% of my "high three" years multiplied by years of service?

[Terabitten]

3% of my "high three" years multiplied by years of service?

We're both right - and wrong. It's actually 1% (not 3%) of your high three years, multiplied by years of service.