HAMILTON, Circuit Judge.
Lucynda Worms (Worms) seeks review of a final decision by the Railroad Retirement Board (Board), affirming and adopting the decision of the Board's hearing officer, denying Worms' request for waiver of recovery of a $38,105.71 overpayment of surviving young mother annuity benefits paid to her under the Railroad Retirement Act. 45 U.S.C. § 231a(d)(1)(ii) & 231i(c). For reasons that follow, we affirm.
I
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