The present continuous and action verbs: retiring
     
     Action:
                          Has not yet         Has already
                          retired             retired
                                        |
                      --------------------------------------> Time
                                        ^
                                        65
                                    Retirement
     
     Process:
     
                      +----------------------------------------+
                      |                                        |
                   ----------------------------------------------------> Time
                         61   62   63   64                          80   81