This is a real issue for uniformed services officers who works till their retirement age and did not continue to study or take up skills. Otherwise, in the future it is really difficult to get a job that command the same pay or just take lower pay in the future.

Age really plays a part. I know one Directorate member (female) retires and hard to get a job. In the end, joined NCCS some nonprofit organisation as some Head or Deputy role or something...