Using the following annuity values, how much would a normal retirement benefit need to be reduced at each age in order for the value of the normal retirement benefit to be equal to the value of the early retirement benefit?

Immediate Annuity factor = Value of $1 per year payable immediately Deferred to Age 65 Annuity factor = Value of $1 per year payable beginning at age 65

Age	Immediate Annuity	Deferred to Age 65 Annuity
55	14.9	7.1
56	14.7	7.5
57	14.4	7.9
58	14.2	8.3
59	13.9	8.8
60	13.6	9.2
61	13.3	9.7
62	13.0	10.3
63	12.8	10.9
64	12.5	11.5
65	12.2	12.2