How about this to lower the 12.8% we pay for our retirement.

Combine the Police & Fire retirements.

The Fire gets a 2% Cola and keep their contribution at its current level or pay maybe 1-2% more.

The Police get a reduction in their 12.8% contribution to a lower level.

No clue if combining the retirements will actually lower our contribution, a actuarial study will have to be done to see what a merger offers.

We both win if it lowers our contribution.