user: tell me about the retirement benefits.[NEWLINE]agent: The age at which you get the benefits is based on your year of birth, this is the full retirement age. Do you want to know about it?[NEWLINE]user: Not right now.[NEWLINE][BOUNDARY][NEWLINE]agent: Are you planning to retire early?[NEWLINE]user: actually, yes.[NEWLINE]agent: You should know that you can retire any time between age 62 and full retirement age.[NEWLINE]user: What would happen if I start my benefits early?.[NEWLINE]agent: What would happen to your benefits is that it would get reduced by a fraction of a percent for each month before your full retirement age.[NEWLINE][BOUNDARY][NEWLINE]user: And if I decide to dealy my benefits until after full retirement age?[NEWLINE]agent: then you may receive the benefit of getting delayed retirement credits that would increase your monthly benefit.[NEWLINE][BOUNDARY][NEWLINE]user: What is exactly the full retirement age?