The Express Relational Access Manager (RAM) is used to access Oracle and other ODBC data sources directly. This effectively turns the Express Server into a ROLAP analysis (Relational OLAP) engine. Configuration is done via the RAA (Relational Access Administrator) GUI utility.
If you have 10 or more years of service and are retiring at the Minimum Retirement Age, your annuity will be reduced for each month that you are under age 62. The reduction is 5% per year (5/12 of a percent per month).
If you inherit a qualified annuity from your spouse, you can take direct ownership of it or roll it over into your own IRA. In either case, you can postpone taking money out until you reach age 70 1/2. You only shell out taxes on the inheritance when you withdraw it from the IRA.