MY PENSION: Underfunded? Maybe. Over-Generous? Not so much! In response to all my public-pension posts, a reader emails: “Tell us about U of T pensions.”

No overhang here. I’ve got a 403(b) plan, which is defined contribution, with the state putting in something like $11,000 a year and me contributing on top of that — there’s no defined-benefit component. Some of the older people are in the state retirement system, which is (sort of) defined-benefit, but not me.