Indirect procurement is the sourcing of all goods and services for a business to enable its activity. Or looking at it another way, the goods and services classified under the umbrella of indirect procurement are commonly bought for consumption by internal stakeholders (business units or functions) rather than the external customer or client.
Social Security's full-benefit retirement age is increasing gradually because of legislation passed by Congress in 1983. Traditionally, the full benefit age was  65, and early retirement benefits were first available at age 62, with a permanent reduction to 80 percent of the full benefit amount.
Regular readers know that Social Security retirement amounts are partly based on the number of months that you are younger than full retirement age. For example, if starting benefits 19 months before FRA, they are reduced by 19 months. Based on year of birth, full retirement age ranges from age 65 to 67.