Colts offensive line coach Howard Mudd has told the team that he will retire immediately because of the pension-plan changes. "It's a dilemma we're trying to work through," said team president and general manager Bill Polian. "I don't think Howard has turned in his [retirement] papers yet but it's a difficult situation and a very personal choice for Howard." Mudd has been with Indianapolis for 12 seasons. He believes that at age 67 he has to take his entire lump-sum pension payment now for the safety of his family. If he doesn't exercise that right at 65 under the revised plan, he will be allowed only to accept annuity payments upon retirement that will be reduced to 50 percent value for his immediate survivors if he dies, according to NFL sources.