The Social Security Administration is once again offering "early-outs" to its employees. Employees who are 50 and older and have 20 years of federal or military service or employees of any age with 30 years of federal or military service may retire and receive pensions. The point of the early-outs is to induce employees with higher salaries to retire. Unfortunately, those are the most experienced employees, the ones who can solve knotty problems. They're often the most productive employees.