If the Trump administration reaches its goal of cutting 5% to 10% of staff, more than 100,000 people will leave the federal workforce, making it by far the largest layoff in U.S. history. The current record-holder is IBM, which cut 60,000 jobs in 1993.

Wes Battle has been glued to the phone at his financial-planning office in Maryland for days, endlessly fielding calls from clients, most of whom work for the federal government. They all want to know the same thing in a hurry: Is the U.S. Office of Personnel Management’s “fork in the road” offer a good deal financially?