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Across the U.S. and much of Europe, public pension funds are deeply underfunded, and many savers don’t even know it. We will break down the problem in plain language and explain how “missed value” and status-quo investing are quietly draining returns meant for teachers, firefighters, police, and millions of other workers. Underfunding isn’t abstract, it’s a near-term risk for people already retired and those paying in today. When funds miss out on available value year after year, the hole gets deeper. Our goal at Intelli Action is to raise awareness, make this simple and human, and help savers ask the right questions so managers fulfill their fiduciary duty.