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The states are systematically underfunding their pensions .

目前，各州的养老金都存在系统性缺口。

Pensions are big losers , " says university of michigan bankruptcy law professor john pottow . "

密歇根大学（UniversityofMichigan）破产法教授约翰•包托说：“领退休金的人这次是最大的输家。

Such practices impact institutional buyers like pensions and insurers , which are often restricted to buying highly rated debt .

评级机构的这种行为对养老金和保险公司等机构投资者的影响最大，因为它们通常受到限制，只能购买高评级债券。

Pensions are regulated by the department of labour .

退休金一直是由劳工部监管的。

Your pensions are still a sad joke .

你们的退休金政策仍是个悲惨的笑话。