analysis by USA Today analysis by USA Today analysis by USA Today analysis by USA Today analysis by USA Today “measly” 0.3 percent, analysis by USA Today analysis by USA Today analysis by USA Today analysis by USA Today analysis by USA Today analysis by USA Today analysis by USA Today analysis by USA Today analysis by USA Today analysis by USA Today analysis by USA Today 3% cost-of-living adjustment inflation is at 2% analysis by USA Today analysis by USA Today analysis by USA Today