Example
Average High Salary   = $30,000.00/year
  average monthly earnings = $2,500.00
Times multipliers:  1.765% = $44.125
      1.6% = $40.00
20 years before 1/1/00 =  $882.50
(20 x 44.125)
10 years after 12/31/99 = $400.00
(10 x 40.00)
Times years of service:
Monthly Annuity =     $1,282.50