Question: How can you, as a budget manager, cut personnel and operating expenditures without reducing services? For example, one of the main issues with personnel budgets is retirement. That is, departments often find themselves overwhelmed with retirement cost. In sum, contributors to the system have diminished over time despite the fact that costs have risen along with the number of retirees. As a result, the amount of funds needed to pay retirees has increased disproportionately to those contributing to the fund. So, describe how or what can be done to repair the system?