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One possible exception that may apply to all projects would be if the project was of such a scope ( due to the magnitude of the disaster , e.g ., post-Hurricane Katrina ) that federally-listed species critical habitat was going to be adversely modified as a result of the action . If you start working at 32 and do not work for a few years , those years will be counted as $ 0 , reducing your eventual benefit . Insiders said that some of the members , including the Prime Minister s Adviser on Political Affairs and Accountability , Najam Sethi , Advisor on Finance , Planning and Economic Affairs Shahid Javed Burki , Minister for Petroleum Javed Jabbar and Minister for Industries Brig. ( retd ) Sadiq Awan , were demanding that the defaulters should not be given any relief and that their loans must be recovered . I mean a lot of I think what this commission is after is sort of an attitudinal change in attitude , keeping an open mind to these matters , so that the benefits will come from a lot of points where we are not expecting them . If instructors choose to divide the points in an inequitable manner , the presenters must provide written agreement and document why the points are being divided in such a way .