UPSC Prelims facts, November 2026
Every exam-ready fact from November 2026's current affairs, grouped by subject: names, numbers, provisions, places and bodies.
Polity and governance
SC: rescued bonded labourers must get immediate aid within seven days of release
- In Surendra Manjhi v. Union of India (2 November 2026), the Supreme Court said immediate aid to rescued bonded labourers should ordinarily be paid within seven days of the release certificate.
- Release certificates should ordinarily be issued within 24 hours of bondage being determined, in a uniform format the Union must prescribe.
- Pending criminal cases and disputes between States cannot by themselves delay immediate assistance.
- The Central Sector Scheme for Rehabilitation of Bonded Labourer, 2021 offers ₹1 lakh, ₹2 lakh or ₹3 lakh by category, and up to ₹30,000 as immediate assistance.
- The court treated identification, release and rehabilitation as one continuing duty flowing from Articles 21 and 23.
Explained: What Legislative Councils do, and why only six States have one
- Six States have Legislative Councils: Andhra Pradesh, Telangana, Karnataka, Maharashtra, Bihar and Uttar Pradesh.
- Under Article 169, Parliament creates or abolishes a Council by ordinary law after a special-majority resolution of the State Assembly; it is not a constitutional amendment under Article 368.
- A Council cannot exceed one-third of the Assembly's strength and cannot have fewer than 40 members (Article 171).
- A Council can delay an ordinary Bill for about four months at most, and must return a Money Bill within 14 days (Articles 197 and 198).
- The Council is a permanent House: one-third of members retire every second year (Article 172).
CJI asks why litigants rush to the Supreme Court for early hearings in High Court cases
- CJI Surya Kant flagged a growing trend of litigants asking the Supreme Court to order early hearings in High Court cases.
- He said the Supreme Court respects High Courts' control over their rosters but listing must become transparent and predictable.
- Article 226 gives High Courts writ power for fundamental and other legal rights, wider than Article 32.
- The Kerala High Court, formed in 1956, traces its roots to the Travancore High Court (1887).
Why social media takedowns are in focus: MeitY advisories and a three-hour removal window
- MeitY issued an advisory to all intermediaries on 8 October 2026 and a Meta-specific advisory on recommendation systems on 10 October 2026.
- The IT Amendment Rules, 2026, in force from 20 February 2026, cut the takedown window after a court order or government intimation from 36 hours to 3 hours.
- Section 69A of the IT Act lets the Centre block online content on grounds such as sovereignty, security of the State and public order; Section 79 gives intermediaries conditional safe harbour.
- In Shreya Singhal v. Union of India (2015) the Supreme Court struck down Section 66A, upheld Section 69A and read down Section 79(3)(b) to court orders and government notifications.
- Content removed under a platform's own community standards goes first to the grievance officer and then to the Grievance Appellate Committee, not straight to a court.
- Government plans Foreigners Regional Registration Offices in all State capitals by 2027
- The Immigration and Foreigners Act, 2025 consolidated four earlier laws on immigration and foreigners.
- Under the Act, the Bureau of Immigration handles immigration functions, assisted by FRROs authorised by the Central Government.
- FRROs register foreigners after arrival, issue residential permits and exit permits, and grant permission for protected and restricted areas.
- Bombay High Court says OCI cardholders do not have a right to protest
- The FRRO, Mumbai, issued the 'leave India' notice directing the actor to leave by 28 October.
- The Centre argued that Article 21 does not give a foreign national a right to reside in India.
- Uttarakhand helicopter crash probe finds no Mayday call
- Operators opposed the DGCA's requirement of two mandatory pilots, citing financial unviability; a final decision is due before next year's yatra.
- The Federation of Indian Pilots sought a safety review of commercial helicopter operators in Uttarakhand and a national committee on helicopter safety.
- Review finds gaps in property declarations of top Secretary-level officials
- Section 44 of the Lokpal Act requires public servants to declare their assets; rules under it, amended in 2016, are still pending.
- Public disclosure of bureaucrats' immovable assets began in 2011, while movable assets are reported to the government but not made public.
- Meitei and Naga groups rally in Manipur to demand an end to the SoO pact
- The SoO is a tripartite ceasefire between the Centre, the Manipur government and Kuki-Zo groups, mainly the KNO and the UPF, signed in 2008.
- Manipur's ethnic violence between Meitei and Kuki-Zo communities began on 3 May 2023, after a High Court order on ST status for Meiteis.
- PM speaks at Rashtriya Ekta Diwas in Kevadia on Sardar Patel's 151st birth anniversary
- Rashtriya Ekta Diwas marks the birth anniversary of Sardar Vallabhbhai Patel; 2026 was his 151st.
- The Statue of Unity is at Kevadia in Gujarat.
- Union Minister Rajiv Ranjan Singh urges self-reliant panchayats at People's Plan Campaign workshop
- The People's Plan Campaign has run since 2018 under the theme "Sabki Yojana, Sabka Vikas".
- The Sixteenth Finance Commission recommended grants of Rs 4,35,236 crore for Panchayati Raj Institutions for 2026-31.
International relations
Quad foreign ministers meet in Atlanta, pledge over $85 million for trusted AI access
- The Quad foreign ministers met in Atlanta on 31 October 2026, on the sidelines of the G20 Foreign Ministers' Meeting; it was their third meeting of 2026, after New Delhi (May) and Manila (July).
- The Quad intends to provide over USD 85 million of technical and financial assistance to widen access to trusted AI in the Indo-Pacific.
- The US committed USD 10 million for facilities in India and ASEAN countries to recover critical minerals from e-waste and scrap.
- The ministers voiced grave concern over economic coercion, including arbitrary export restrictions, without naming any country.
- They reaffirmed navigational rights in the Strait of Hormuz, the Red Sea and the Bab el-Mandeb Strait, and announced the first Quad Business Leaders' Forum.
- NSA Ajit Doval holds security and defence talks in Vietnam
- India and Vietnam elevated ties to an Enhanced Comprehensive Strategic Partnership during President To Lam's visit to India in May 2026.
- The Joint Vision Statement on India-Vietnam Defence Partnership towards 2030 guides defence cooperation.
- 2027 marks the 55th anniversary of India-Vietnam diplomatic relations.
- UN General Assembly vote against the US embargo on Cuba draws its weakest backing in two decades
- The UNGA has passed the resolution on ending the US embargo on Cuba almost every year since 1992.
- UNGA resolutions are non-binding; only the US Congress can lift the embargo.
- Costa Rica, Ecuador, Argentina and Colombia switched their votes, and Germany and Italy abstained.
- Bhutan builds 108 stupas in nine hours and dedicates one to Prime Minister Modi
- Gelephu Mindfulness City is in southern Bhutan, bordering Assam, and is planned as a Special Administrative Region of over 2,000 sq km with its own legal and regulatory framework.
- India is Bhutan's largest trading partner and main development aid provider, and ties are reinforced by the Treaty of Friendship.
- Lula wins Brazil's presidential runoff; article weighs the result for BRICS and multilateralism
- The New Development Bank, set up by the BRICS states, is headed by former Brazilian President Dilma Rousseff.
- Bolsa Familia is Brazil's welfare programme of financial aid to poor families.
- Op-ed says India should watch growing Maldives and Pakistan defence ties
- The Maldives has joined the Saudi Arabia-led Islamic Military Counter Terrorism Coalition (IMCTC).
- India has supported the Maldives through extensions for T-bills, debt restructuring, credit lines and currency swaps.
- Bhutan to build 108 stupas in Gelephu, many with relics from India
- The 108 stupas are being built along the Mau Chhu river in Gelephu, Bhutan.
- The Central Monastic Body of Bhutan represents the Drukpa Kagyu lineage.
- UK Prime Minister says Britain is open to apologising for slavery
- The British Empire abolished the slave trade in 1807 and slavery in 1833.
- The 2026 Commonwealth Heads of Government Meeting is in Antigua and Barbuda.
- Iran holds talks with Qatari mediators amid threat of US strikes
- The Strait of Hormuz links the Persian Gulf with the Gulf of Oman and the Arabian Sea.
- Qatar proposed a seven-day trust-building plan, with daily confidence-building steps, before wider peace talks.
- Nepal increased power exports to India despite August floods
- Nepal exported about 1,262 million units of electricity to India between 27 August and 27 October.
- Flash floods on 26 August disrupted about 430 MW of Nepal's generation capacity and damaged the 14 MW Devighat hydropower plant.
Indian economy
GST collections rise 22.9% to ₹2.31 lakh crore in October, second-highest ever
- Gross GST in October 2026 was about ₹2.31 lakh crore, up 22.9%, the second-highest month after April 2026 (about ₹2.43 lakh crore).
- Domestic GST rose 15.8% to ₹1.59 lakh crore, while GST on imports rose 42.2% to ₹72,246 crore.
- Refunds were ₹27,934 crore, leaving net GST of ₹2,03,356 crore.
- April to October 2026 gross collections rose 13.2% to ₹14.77 lakh crore.
- GST moved to two main slabs (5% and 18%) with a 40% rate for a few goods from 22 September 2025.
IBBI lets creditors keep completed housing projects out of a builder's insolvency process
- IBBI notified the CIRP (Fifth Amendment) Regulations, 2026 on 30 October 2026 for real estate insolvency.
- The committee of creditors can recommend excluding an individual real estate project from CIRP with at least 66% of the voting share; the NCLT decides.
- The resolution professional must keep a separate bank account for each project and follow RERA fund-use rules.
- A project-wise technical and cost-to-complete assessment must be done before resolution applicants are invited and included in the information memorandum.
- Monitoring committees for real estate debtors must include an allottee representative and, with consent, a RERA representative.
- PM says India will add another 500 GW of non-fossil capacity in 10 to 11 years
- India met its Paris pledge of half its installed power capacity from non-fossil sources in 2025, five years early.
- Over 65 lakh households have joined PM Surya Ghar Muft Bijli Yojana, launched in February 2024 with a target of one crore rooftop homes.
- Solar module manufacturing capacity has grown from about 2 GW a decade ago to over 200 GW.
- Finance Minister says capex push will continue until private investment picks up
- The Finance Minister said the capex strategy has worked well over the past four to five years through its growth multipliers.
- Centre assures industry it will protect bulk Scotch duty benefits under the India-UK trade pact
- Classifying bulk Scotch under heading 2106 instead of heading 2208 could subject it to the full 150% customs duty.
- Industry bodies at the meeting included CIABC and ISWAI.
- Soreng in Sikkim is India's first notified Organic Fisheries Cluster under PMMSY
- 34 fisheries production and processing clusters have been notified under PMMSY, including organic clusters in Sikkim and Meghalaya.
- The Soreng cluster emphasises Amur carp, Indian Major Carps and trout.
- Sikkim signed an MoU with the ITBP for institutional procurement of locally produced rainbow trout.
- PIB backgrounder on pumped storage hydropower and India's storage needs
- India had 308.027 GW of non-fossil capacity as of September 2026, against a target of 500 GW by 2030.
- The Ministry of Power notified Guidelines to Promote Development of Pumped Storage Projects in April 2023.
- Pumped storage projects awarded for construction by 30 June 2028 get a 100% ISTS charge waiver for 25 years.
- Fall in fertiliser sales points to weak farm demand after a dry monsoon
- The June to September 2026 southwest monsoon had a 12.6% rainfall deficit, and Karnataka had its worst monsoon in 55 years.
- October 2026 had a rainfall deficit of 31.4%, and El Niño is projected to persist through January to March 2027.
- Op-ed argues India's challenge is low wages, and proposes extending Jan Vishwas reforms
- The Jan Vishwas (Amendment of Provisions) Act, 2023 decriminalised 183 provisions across 42 central laws.
- Op-ed says the draft National Steel Policy 2047 should shift from protection to competition
- India is the world's second-largest steel producer, with output of 170 million tonnes.
- Quality Control Orders cover 228 steel products; the Gauba Committee recommended removing 122, but only 59 have been suspended.
- Indians remit $20 billion abroad under the Liberalised Remittance Scheme in eight months of 2026
- Under the Liberalised Remittance Scheme, a resident individual can remit up to $250,000 a financial year for permitted current and capital account transactions.
- The scheme began in 2004 with a limit of $25,000.
- What the new E100 vehicle rules mean
- Rule 115 of the Central Motor Vehicles Rules, 1989 now covers E100 alongside E85.
- India reached 20% ethanol blending in 2025, ahead of the 2030 target set in the National Policy on Biofuels, 2018.
- Rupee slide: piece argues proposed remittance curbs are a panic response
- The RBI proposed cutting the annual current account transaction limit under the Liberalised Remittance Scheme from $250,000 to $50,000.
- India's forex reserves stand at $720 billion despite the RBI's dollar sales, according to the piece.
- India's poverty challenge enters a new phase, World Bank figures show
- The Rangarajan committee's 2014 poverty line was Rs 1,407 a month per capita in urban areas and Rs 972 in rural areas.
- The World Bank's $4.2 a day line is the lower-middle-income poverty benchmark.
Environment and geography
Arunachal CM tells Siang dam protesters no decision without consultation and consent
- The Siang Upper Multipurpose Project is a proposed 11,200 MW project on the Siang in Arunachal Pradesh, declared a National Project on 7 February 2008.
- On 2 November 2026 CM Pema Khandu said no construction decision has been taken and none will be without public consultation and consent of affected people.
- The project is at the pre-feasibility stage; a Social Impact Assessment, Environmental Impact Assessment and Detailed Project Report would follow if it is viable.
- China began building the roughly 60 GW Medog project on the Yarlung Tsangpo on 19 July 2025, about 40 km from the Indian border.
- Opponents from the Adi community cite submergence, displacement, loss of land and forests, and seismic risk.
Andhra Pradesh braces for Cyclone Murasu, its second cyclone in a week
- Cyclonic Storm Murasu formed over the Bay of Bengal on 1 November 2026, days after Cyclone Arnab hit Andhra Pradesh.
- Murasu, a Tamil word for a traditional drum, was contributed by India; Arnab was Bangladesh's name.
- The North Indian Ocean list has 169 names from 13 countries, adopted in 2020; names are at most eight letters and never reused.
- On the IMD scale, a cyclonic storm has sustained winds of 62 to 88 km/h; only then is a name given.
- Andhra Pradesh deployed 1,688 medical teams and 116 relief camps before landfall.
Explained: Why even a strong El Niño does not guarantee a poor Indian monsoon
- The 2026 monsoon ended 12.6% below normal (759.4 mm against 868.6 mm), the weakest since 2015.
- Of seven moderate or strong El Niño monsoons since 1950, five were deficient; 2023 was below normal and 1997 normal.
- A positive Indian Ocean Dipole (warmer western Indian Ocean) can offset El Niño, as in 1997.
- The Madden-Julian Oscillation circles the tropics every 30 to 60 days; August 2023 was India's driest August since 1901.
- IMD has used a multi-model ensemble for monsoon forecasts since 2021.
Delhi's winter curbs kick in as CAQM orders pre-emptive NCR curbs for 5 to 20 November
- Delhi's Winter Action Plan 2026-27 began on 1 November 2026, barring non-BS-VI vehicles registered outside Delhi until 31 January 2027.
- CAQM issued directions on 30 October 2026 under Section 12 of the CAQM Act, 2021 for 5 to 20 November 2026.
- The CAQM order mandates up to 50% physical attendance in state government and private offices in Delhi and five NCR districts, and restricts dust-generating construction across the NCR.
- CAQM based the pre-emptive order on November AQI data from 2018 to 2025, which showed recurring 'Severe' and 'Severe+' days in early to mid-November.
- GRAP is a four-stage plan whose curbs tighten as AQI moves from 'Poor' to 'Very Poor', 'Severe' and 'Severe+'.
- Supreme Court permits green crackers in Delhi-NCR for two days around Diwali
- Only green crackers certified by CSIR-NEERI and PESO and uploaded on the CSIR-NEERI website may be manufactured.
- Crackers containing barium, and series crackers ('ladis') and garlands, remain banned.
- No bursting is allowed within 300 metres of hospitals, nursing homes, health centres, old-age homes and notified silence zones.
- Stage II of GRAP invoked across NCR as Delhi's air turns very poor
- Delhi's AQI rose from 60 on 30 October to 324 on 2 November 2026; 36 of 58 reporting stations recorded very poor air.
- The Graded Response Action Plan is operated in the NCR by a sub-committee of the Commission for Air Quality Management.
- Measures reported with the Stage II order include regulated diesel generator use and asking hotels and restaurants to avoid coal and firewood in tandoors.
- India has 18 biosphere reserves, 13 of them in UNESCO's world network
- The largest biosphere reserve is the Great Rann of Kutch (12,454 sq km) and the smallest is Dibru-Saikhowa (765 sq km); Nilgiri, designated in 1986, is the oldest.
- Cold Desert in Himachal Pradesh was the latest Indian reserve added to UNESCO's World Network, in 2025.
- UNESCO's Man and the Biosphere Programme was launched in 1971.
- Article reviews India's solar expansion, from rooftop solar homes to the 500 GW target
- PM Surya Ghar: Muft Bijli Yojana, launched in February 2024, aims to give up to 300 units of free electricity a month to one crore households through rooftop solar.
- The National Green Hydrogen Mission targets 5 million tonnes a year of green hydrogen by 2030.
- The International Solar Alliance, co-founded by India and France in 2015, has 130 signatory and member countries.
- Op-ed links India's energy security to electrifying industrial heat and kitchens
- Only 4% of Indian households own an induction cooktop, and mandatory star labelling for induction cooktops has been deferred to January 2027.
- Bureau of Energy Efficiency programmes saved 53.6 million tonnes of oil equivalent in 2023-24.
- Loss of urban green and blue spaces linked to child health risks
- A PNAS study of 4.2 million children in 57 low and middle income countries linked fragmented urban tree canopy to higher child mortality.
- AMRUT includes green infrastructure and urban sustainability as a component.
- Relocated tigress strays into Assam as states seek NTCA nod to capture her
- Raimona National Park in Assam, declared in 2021, forms a transboundary corridor with Bhutan's Royal Manas National Park.
- Valmiki Tiger Reserve's tiger population rose from 31 in 2018 to 54 in 2022.
- Rhine's revival after the 1986 Sandoz fire and lessons for the Ganga and Yamuna
- The International Commission for the Protection of the Rhine was set up in 1950.
- India's polluted river stretches rose to 296 on 271 rivers by 2025.
Science and technology
Defence Ministry signs ₹53,866 crore contracts for eight Navy-designed corvettes
- On 2 November 2026 the Defence Ministry signed ₹53,866.50 crore contracts for eight Next Generation Corvettes.
- GRSE (Kolkata) will build five and Goa Shipyard Limited three; both are defence public sector undertakings chosen through competition.
- The corvettes are designed in-house by the Indian Navy for anti-surface and anti-submarine warfare, coastal defence and surveillance.
- The Ministry estimates 72 lakh person-days of work in shipyards and 460 lakh person-days in ancillary industries and MSMEs over ten years.
- The NGCs are to succeed the Khukri-class and Kora-class corvettes.
NIPGR scientists find a calcium channel that spreads a plant's alarm against insect attack
- NIPGR, New Delhi, identified CNGC13, a calcium channel that relays the alarm from an insect-damaged leaf to undamaged leaves; the work appeared in PNAS in 2026.
- CNGC13 is induced by wounding and insect feeding and is located in the plant's vascular tissue.
- Without CNGC13, Arabidopsis plants showed weaker systemic calcium and jasmonic acid signals, and Spodoptera litura larvae feeding on them gained more weight.
- The finding adds a second route alongside glutamate receptor-like channels (GLRs) for long-distance defence signalling in plants.
- Such signalling proteins are potential targets for breeding or engineering crops with stronger natural pest resistance.
- PIB backgrounder on geothermal energy: policy, potential and Puga Valley wells
- The Geological Survey of India has mapped 381 hot springs and identified 10 geothermal provinces, with 42 promising sites.
- The Puga Valley wells in Ladakh, each 1,000 metres deep, are at over 14,000 feet above sea level.
- The National Policy on Geothermal Energy was notified in September 2025.
- What the Binance hack means for crypto investors
- The attack was attributed to TraderTraitor, a North Korean cybercrime group linked to the Lazarus Group.
- The stolen funds were drawn from Binance's hot wallets across ten blockchains.
- Defence Acquisition Council clears Navy's Project 18A next-generation destroyers
- Project 18A destroyers will be designed by the Navy's Warship Design Bureau.
- The Navy currently has 12 to 13 guided missile destroyers across the Visakhapatnam, Kolkata and Delhi classes.
- New IAF chief outlines VAYU vision to restore combat strength and push self-reliance
- LCA Tejas is developed by the Aeronautical Development Agency and manufactured by Hindustan Aeronautics Limited.
- The Advanced Medium Combat Aircraft (AMCA) is India's fifth-generation stealth multirole fighter programme.
- ISRO's GSLV-F18 launches NVS-03, the third next-generation NavIC satellite
- NavIC, formerly IRNSS, provides positioning, navigation and timing services over India and a region extending 1,500 km beyond its borders.
- GSLV is a three-stage vehicle whose indigenous cryogenic upper stage uses liquid hydrogen and liquid oxygen.
- GSLV-F18 was the 20th flight of the GSLV.
- Air Chief Marshal Ashutosh Dixit takes charge as 29th Chief of the Air Staff
- VAYU's Unity of Effort pillar is aligned with the national JAI vision of Jointness, Aatmanirbharta and Innovation.
- Dixit is an experimental test pilot and qualified flying instructor with over 3,500 flying hours.
- India's first private fusion company plans reactor blueprint by 2027
- A tokamak is a doughnut-shaped device that uses strong magnetic fields to confine plasma at extremely high temperatures for fusion.
- Fusion typically combines deuterium and tritium; compact designs with high-temperature superconducting magnets are expected to cut reactor costs.
- Gene therapy aims to cure hepatitis B by silencing viral DNA
- CRMA-1001 uses a CRISPR-Cas9 based locator and an effector that adds methyl groups to hepatitis B viral DNA.
- Current hepatitis B treatments often leave viral DNA intact, allowing the virus to rebound.
- ISRO launches NVS-03 to restore NavIC navigation services
- NavIC, earlier called IRNSS, covers India and about 1,500 km beyond its borders.
- NVS-02, launched in January 2025, failed to reach its intended orbit because its thrusters failed.
Society, social justice and ethics
Centre notifies VB-G RAM G grievance rules with 15-day deadline, drops draft safeguards
- The VB-G RAM G Grievance Redressal Rules, 2026 were notified by the Ministry of Rural Development on 2 November 2026.
- Grievances go through a three-tier mechanism (gram panchayat, block, district); enquiry within seven working days and resolution within 15 days, then automatic escalation.
- No complaint can be refused registration over format, language, mode of submission or procedural defect.
- The May 2026 draft's FIR clause for financial irregularities, panchayat review of action taken and a weekly fixed grievance day were dropped.
- The VB-G RAM G Act, 2025 guarantees 125 days of work a year, up from 100 under MGNREGA, with 60:40 Centre-State cost sharing for most States.
Op-ed: Unemployment has fallen, but India's jobs remain far from 'decent work'
- PLFS unemployment (usual status, 15+) fell from 6.0% in 2017-18 to 3.2% in 2023-24; female LFPR rose from 23.3% to 41.7%.
- A Decent Work Index built from PLFS data rose only from 0.247 to 0.302 across five industries.
- Agriculture, the largest employer, had the lowest index (0.211 to 0.267); manufacturing improved most (0.324 to 0.411).
- The India Employment Report 2024 (ILO and IHD) found nearly 90% of workers informally employed.
- The four Labour Codes took effect on 21 November 2025, replacing 29 central labour laws.
- Cap on trade margins for 137 anti-cancer drugs to take effect; op-ed says patient bills are the test
- Only scheduled drugs under the Drugs (Prices Control) Order have price ceilings.
- India's out-of-pocket expenditure is 43.4% of total health expenditure, and medicines make up about 70% of it.
- A 2019 NPPA pilot on 42 drugs cut MRPs by up to 90% for 526 brands.
- Labour Ministry notifies National Social Security Boards for unorganised and gig workers
- The Code on Social Security merged nine social security laws and was the first to legally define gig and platform workers.
- Aggregators must contribute 1% to 2% of annual turnover to the Social Security Fund, capped at 5% of the amount payable to workers.
- Uttarakhand helicopter crash: why air accidents keep recurring in the hills
- Aviation is a Union List subject in the Seventh Schedule of the Constitution.
- The DGCA is the statutory civil aviation safety regulator.
- Ebola deaths in Congo cross 5,000 in second deadliest outbreak
- Bundibugyo virus was first identified in Uganda in 2007.
- Ebola spreads through direct contact with blood, bodily fluids or contaminated objects of an infected person or animal.
- Government says social security coverage rose to 68.4% in 2026
- The Code on Social Security, 2020 consolidates nine central labour laws.
- PM-SYM is a voluntary, contributory pension scheme paying Rs 3,000 a month to unorganised workers after age 60.