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            _____      _____   _    _     _____   
    ___    |  ___||   / ___// | || | ||  |__  //  
   /   ||  | ||__     \___ \\ | || | ||    / //   
  | [] ||  | ||__     /    // | \\_/ ||   / //__  
   \__ ||  |_____||  /____//   \____//   /_____|| 
    -|_||  `-----`  `-----`     `---`    `-----`  
     `-`

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Text this: Education and local government employees' concept of, attitudes towards and perceived and experienced consequences of early retirement