diff --git a/cs623/proj1/RetirementCalculatorModel.java b/cs623/proj1/RetirementCalculatorModel.java
index 19ea7d4..1d0d61f 100644
--- a/cs623/proj1/RetirementCalculatorModel.java
+++ b/cs623/proj1/RetirementCalculatorModel.java
@@ -73,7 +73,10 @@ public class RetirementCalculatorModel
 
     private double calculateRetirementFactor()
     {
-        return 0.0;
+        int retire_age_index = (int) getField("retirement age");
+        if      (retire_age_index == 55)        return 8.8;
+        else if (retire_age_index == 60)        return 4.7;
+        else                                    return 0.0;
     }
     
     private double calculateSocialSecurity()