<?xml version="1.0" encoding="UTF-8"?><urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9"><url><loc>https://fixpensionsfirst.com/</loc></url><url><loc>https://fixpensionsfirst.com/100k-pension-club/</loc></url><url><loc>https://fixpensionsfirst.com/2007/12/the-pew-center-for-the-states-%E2%80%9Cpromises-with-a-price-public-sector-retirement-benefits%E2%80%9D/</loc></url><url><loc>https://fixpensionsfirst.com/2007/12/the-pew-center-for-the-states-%e2%80%9cpromises-with-a-price-public-sector-retirement-benefits%e2%80%9d/</loc></url><url><loc>https://fixpensionsfirst.com/2008/06/employee-benefit-research-institute-benefit-cost-comparisons-between-state-and-local-governments-and-private-sector-employers/</loc></url><url><loc>https://fixpensionsfirst.com/2009/09/journal-of-economic-perspectives-the-liabilities-and-risks-of-state-sponsored-pension-plans/</loc></url><url><loc>https://fixpensionsfirst.com/2009/10/robert-novy-marx-and-joshua-d-rauh-journal-of-economic-perspectives-the-liabilities-and-risks-of-state-sponsored-pension-plans/</loc></url><url><loc>https://fixpensionsfirst.com/2010/01/dr-barry-w-poulson-and-dr-arthur-p-hall-american-legislative-exchange-council-state-pension-funds-fall-off-a-cliff/</loc></url><url><loc>https://fixpensionsfirst.com/2010/01/public-policy-institute-of-california-californians-and-their-government/</loc></url><url><loc>https://fixpensionsfirst.com/2010/02/the-pew-center-on-the-states-the-trillion-dollar-gap-underfunded-state-retirement-systems-and-the-road-to-reform/</loc></url><url><loc>https://fixpensionsfirst.com/2010/03/office-of-the-controller-public-retirement-systems-annual-report/</loc></url><url><loc>https://fixpensionsfirst.com/2010/03/stanford-going-for-broke-reforming-californias-state-pension-system/</loc></url><url><loc>https://fixpensionsfirst.com/2010/03/university-of-minnesota-law-school-%E2%80%9Cpublic-pension-plan-reform-the-legal-framework%E2%80%9D/</loc></url><url><loc>https://fixpensionsfirst.com/2010/05/reason-foundation-%E2%80%9Ccomparing-private-sector-and-government-worker-salaries%E2%80%9D/</loc></url><url><loc>https://fixpensionsfirst.com/2010/06/civil-grand-jury-of-san-francisco-pension-tsunami-the-billion-dollar-bubble/</loc></url><url><loc>https://fixpensionsfirst.com/2010/06/the-reason-foundation-%E2%80%9Chow-california%E2%80%99s-public-pension-system-broke-and-how-we-can-fix-it%E2%80%9D/</loc></url><url><loc>https://fixpensionsfirst.com/2010/10/milken-institute-%E2%80%9Caddressing-california%E2%80%99s-pension-shortfalls-the-role-of-demographics-in-designing-solutions%E2%80%9D/</loc></url><url><loc>https://fixpensionsfirst.com/2010/10/the-foundation-for-educational-choice-trouble-brewing-the-disaster-of-california-state-pensions/</loc></url><url><loc>https://fixpensionsfirst.com/2010/10/university-of-rochester-and-kellogg-school-of-management-and-nber-the-crisis-in-local-government-pensions-in-the-u-s/</loc></url><url><loc>https://fixpensionsfirst.com/2010/11/boston-college-the-impact-of-public-pensions-on-state-and-local-budgets/</loc></url><url><loc>https://fixpensionsfirst.com/2010/11/stanford-%E2%80%9Cthe-funding-status-of-independent-public-employee-pension-systems-in-california%E2%80%9D/</loc></url><url><loc>https://fixpensionsfirst.com/2010/12/cato-journal-public-sector-unions-and-the-rising-costs-of-employee-compensation/</loc></url><url><loc>https://fixpensionsfirst.com/2010/12/chris-edwards-cato-journal-public-sector-unions-and-the-rising-costs-of-employee-compensation/</loc></url><url><loc>https://fixpensionsfirst.com/2011/</loc></url><url><loc>https://fixpensionsfirst.com/2011/01/new-sacramento-budget-stand-off-centers-around-pensions/</loc></url><url><loc>https://fixpensionsfirst.com/2011/02/hello-world/</loc></url><url><loc>https://fixpensionsfirst.com/2011/02/legislative-analyst%E2%80%99s-office-%E2%80%9Cpublic-retirement-benefits-options-for-the-future%E2%80%9D/</loc></url><url><loc>https://fixpensionsfirst.com/2011/02/legislative-analyst%e2%80%99s-office-%e2%80%9cpublic-retirement-benefits-options-for-the-future%e2%80%9d/</loc></url><url><loc>https://fixpensionsfirst.com/2011/02/little-hoover-commission-%E2%80%9Cpublic-pensions-for-retirement-security%E2%80%9D/</loc></url><url><loc>https://fixpensionsfirst.com/2011/02/little-hoover-commission-%e2%80%9cpublic-pensions-for-retirement-security%e2%80%9d/</loc></url><url><loc>https://fixpensionsfirst.com/2011/02/path-is-sought-for-states-to-escape-debt-burden/</loc></url><url><loc>https://fixpensionsfirst.com/2011/03/announcement-test-post-1/</loc></url><url><loc>https://fixpensionsfirst.com/2011/03/calpers-decision-to-not-cut-assumed-earnings-rate-was-politically-expedient/</loc></url><url><loc>https://fixpensionsfirst.com/2011/03/retired-teachers-in-california-earn-more-than-working-teachers-in-28-states/</loc></url><url><loc>https://fixpensionsfirst.com/2011/03/stanford-university-local-unfunded-liability-at-175-billion-nov-2010/</loc></url><url><loc>https://fixpensionsfirst.com/2011/03/state-of-california-retiree-health-benefits-program/</loc></url><url><loc>https://fixpensionsfirst.com/2011/03/taxpayers-could-take-a-hit-on-retirement-funding/</loc></url><url><loc>https://fixpensionsfirst.com/2011/04/</loc></url><url><loc>https://fixpensionsfirst.com/2011/04/a-blueprint-for-genuine-public-employee-pension-reform/</loc></url><url><loc>https://fixpensionsfirst.com/2011/04/california-local-governments-continued-to-enhance-employee-pensions-amid-economic-collapse/</loc></url><url><loc>https://fixpensionsfirst.com/2011/04/cffr-proposal/</loc></url><url><loc>https://fixpensionsfirst.com/2011/04/governor-brown-is-avoiding-real-pension-reform-for-california/</loc></url><url><loc>https://fixpensionsfirst.com/2011/04/new-northern-california-public-salary-and-benefits-database-allows-you-to-do-your-own-fact-checking/</loc></url><url><loc>https://fixpensionsfirst.com/2011/04/pension-boot-camp-slated-for-california-elected-officials-on-may-5/</loc></url><url><loc>https://fixpensionsfirst.com/2011/04/san-diegos-pension-reform-a-model-for-california/</loc></url><url><loc>https://fixpensionsfirst.com/2011/04/san-francisco-mayor-unveils-pension-reform-proposal/</loc></url><url><loc>https://fixpensionsfirst.com/2011/04/the-pew-center-on-the-states-the-widening-gap-the-great-recession%E2%80%99s-impact-on-state-pension-and-retiree-health-care-costs/</loc></url><url><loc>https://fixpensionsfirst.com/2011/04/true-pension-reform-may-fall-to-californias-voters/</loc></url><url><loc>https://fixpensionsfirst.com/2011/04/why-did-irvine-ranch-water-district-sweeten-pension-benefits/</loc></url><url><loc>https://fixpensionsfirst.com/2011/04/yes-states-can-cut-excessive-government-employee-pensions/</loc></url><url><loc>https://fixpensionsfirst.com/2011/05/</loc></url><url><loc>https://fixpensionsfirst.com/2011/05/1105/</loc></url><url><loc>https://fixpensionsfirst.com/2011/05/1116/</loc></url><url><loc>https://fixpensionsfirst.com/2011/05/californias-state-workers-need-to-give-more/</loc></url><url><loc>https://fixpensionsfirst.com/2011/05/central-contra-costa-county-sewer-rates-rise-to-offset-higher-costs-of-employee-pensions-and-benefits/</loc></url><url><loc>https://fixpensionsfirst.com/2011/05/city-of-sacramento-intensifies-budget-talks-on-gaping-39-million-deficit-as-retiree-pension-and-health-costs-increase/</loc></url><url><loc>https://fixpensionsfirst.com/2011/05/comparing-public-and-private-employee-compensation-and-retirement-benefits-in-california/</loc></url><url><loc>https://fixpensionsfirst.com/2011/05/fix-pensions-and-we-wont-have-to-fire-teachers/</loc></url><url><loc>https://fixpensionsfirst.com/2011/05/in-california-study-says-teachers%E2%80%99-pensions-fall-short-of-other-public-workers%E2%80%99/</loc></url><url><loc>https://fixpensionsfirst.com/2011/05/official-at-irvine-californias-great-park-could-get-a-332282-double-dip/</loc></url><url><loc>https://fixpensionsfirst.com/2011/05/proposed-california-pension-reform-measure-could-save-billions/</loc></url><url><loc>https://fixpensionsfirst.com/2011/05/question-of-the-week-2-should-public-employees-pay-half-the-cost-of-their-retirement-benefits/</loc></url><url><loc>https://fixpensionsfirst.com/2011/05/vista-californias-financial-woes-show-what-cities-face/</loc></url><url><loc>https://fixpensionsfirst.com/2011/06/bargaining-not-balloting-to-fix-oakland-californias-public-pensions/</loc></url><url><loc>https://fixpensionsfirst.com/2011/06/california-prison-guards-union-locks-up-benefits-politicians-people/</loc></url><url><loc>https://fixpensionsfirst.com/2011/06/calpers-orders-outside-probe-of-gifts-to-staff/</loc></url><url><loc>https://fixpensionsfirst.com/2011/06/cities-panel-deserves-credit-for-reviewing-pensions/</loc></url><url><loc>https://fixpensionsfirst.com/2011/06/foster-city-california-cuts-pension-benefits-for-police-and-fire-new-hires/</loc></url><url><loc>https://fixpensionsfirst.com/2011/06/in-california-many-police-and-firefighters-get-100000-pensions/</loc></url><url><loc>https://fixpensionsfirst.com/2011/06/marin-county-budget-dips-as-60-posts-cut/</loc></url><url><loc>https://fixpensionsfirst.com/2011/06/more-pension-data-not-less-needed/</loc></url><url><loc>https://fixpensionsfirst.com/2011/06/pension-givebacks-for-some-are-hefty/</loc></url><url><loc>https://fixpensionsfirst.com/2011/06/question-of-the-week-2-should-public-employees-pay-half-the-cost-of-their-retirement-benefits/</loc></url><url><loc>https://fixpensionsfirst.com/2011/06/real-data-needed-for-california-pension-reform/</loc></url><url><loc>https://fixpensionsfirst.com/2011/06/redlands-california-city-council-should-do-the-right-thing-on-pay-and-pensions/</loc></url><url><loc>https://fixpensionsfirst.com/2011/06/san-bernardino-county-public-employee-unions-stance-will-cost-jobs/</loc></url><url><loc>https://fixpensionsfirst.com/2011/06/san-jose-city-council-cuts-is-own-pay-and-perks/</loc></url><url><loc>https://fixpensionsfirst.com/2011/06/stockton-were-no-vallejo-but/</loc></url><url><loc>https://fixpensionsfirst.com/2011/06/the-role-of-the-prison-guards-union-in-california%e2%80%99s-troubled-prison-system/</loc></url><url><loc>https://fixpensionsfirst.com/2011/06/the-role-of-the-prison-guards-union-in-california%e2%80%99s-troubled-prison-system/?c=a.checked:b===</loc></url><url><loc>https://fixpensionsfirst.com/2011/06/the-role-of-the-prison-guards-union-in-california%e2%80%99s-troubled-prison-system/?this.style.display=</loc></url><url><loc>https://fixpensionsfirst.com/2011/07/</loc></url><url><loc>https://fixpensionsfirst.com/2011/07/cffrs-maria-fritz-want-to-save-schools-fix-pension-systems/</loc></url><url><loc>https://fixpensionsfirst.com/2011/07/fix-pensions-and-we-wont-have-to-fire-teachers/</loc></url><url><loc>https://fixpensionsfirst.com/2011/08/kxtv-news-10-video-comparing-public-retirements-to-private/</loc></url><url><loc>https://fixpensionsfirst.com/2011/08/local-governments-would-save-2-billion-annually-if-employees-shared-pension-costs/</loc></url><url><loc>https://fixpensionsfirst.com/2011/08/press-release-public-employee-unions-misrepresent-pension-reform-analysis/</loc></url><url><loc>https://fixpensionsfirst.com/2011/11/100000-pension-club-update-mike-luery/</loc></url><url><loc>https://fixpensionsfirst.com/2011/11/la-times-op-ed-marcia-fritz/</loc></url><url><loc>https://fixpensionsfirst.com/2012/03/calpers-funding-level-how-low-can-it-go/</loc></url><url><loc>https://fixpensionsfirst.com/2012/03/daniel-borenstein-public-pension-fund-assumptions-put-future-generations-at-financial-risk/</loc></url><url><loc>https://fixpensionsfirst.com/2012/03/local-systems/</loc></url><url><loc>https://fixpensionsfirst.com/2012/03/salary-spiking-drains-public-pension-funds-analysis-finds/</loc></url><url><loc>https://fixpensionsfirst.com/2012/03/viewpoints-california-must-address-leaks-in-budget-before-raising-taxes/</loc></url><url><loc>https://fixpensionsfirst.com/2012/04/san-jose/</loc></url><url><loc>https://fixpensionsfirst.com/2012/04/viewpoints-when-it-comes-to-pensions-we-cant-afford-to-party-like-its-1999/</loc></url><url><loc>https://fixpensionsfirst.com/2012/06/</loc></url><url><loc>https://fixpensionsfirst.com/2012/06/put-pension-reform-in-california-to-the-vote/</loc></url><url><loc>https://fixpensionsfirst.com/about/</loc></url><url><loc>https://fixpensionsfirst.com/author/spollo/</loc></url><url><loc>https://fixpensionsfirst.com/ballot/</loc></url><url><loc>https://fixpensionsfirst.com/blog/</loc></url><url><loc>https://fixpensionsfirst.com/calculator/</loc></url><url><loc>https://fixpensionsfirst.com/calpers-database/</loc></url><url><loc>https://fixpensionsfirst.com/calpers-database/?first_name=&amp;last_name=&amp;employer=BERKELEY</loc></url><url><loc>https://fixpensionsfirst.com/calpers-database/?first_name=&amp;last_name=&amp;employer=COSTA+MESA</loc></url><url><loc>https://fixpensionsfirst.com/calpers-database/?first_name=&amp;last_name=&amp;employer=LIVERMORE</loc></url><url><loc>https://fixpensionsfirst.com/calpers-database/?first_name=&amp;last_name=&amp;employer=PLEASANTON</loc></url><url><loc>https://fixpensionsfirst.com/calpers/</loc></url><url><loc>https://fixpensionsfirst.com/calpers2012/</loc></url><url><loc>https://fixpensionsfirst.com/calstrs-database/</loc></url><url><loc>https://fixpensionsfirst.com/calstrs/</loc></url><url><loc>https://fixpensionsfirst.com/category/newsroom/</loc></url><url><loc>https://fixpensionsfirst.com/category/newsstate/</loc></url><url><loc>https://fixpensionsfirst.com/comparing-public-and-private-employee-compensation-and-retirement-benefits-in-california/</loc></url><url><loc>https://fixpensionsfirst.com/contact/</loc></url><url><loc>https://fixpensionsfirst.com/credit-unions-with-high-yield-savings-eligibility-and-perks</loc></url><url><loc>https://fixpensionsfirst.com/facebook/</loc></url><url><loc>https://fixpensionsfirst.com/fix-pensions-first/</loc></url><url><loc>https://fixpensionsfirst.com/interest-rates-for-car-loans-whats-a-good-apr-in-2025</loc></url><url><loc>https://fixpensionsfirst.com/legal/</loc></url><url><loc>https://fixpensionsfirst.com/legislation/</loc></url><url><loc>https://fixpensionsfirst.com/local-proposals/</loc></url><url><loc>https://fixpensionsfirst.com/local-systems/</loc></url><url><loc>https://fixpensionsfirst.com/newsroom/</loc></url><url><loc>https://fixpensionsfirst.com/newsroom/announcements/</loc></url><url><loc>https://fixpensionsfirst.com/newsroom/national/</loc></url><url><loc>https://fixpensionsfirst.com/newsroom/newsreleases/</loc></url><url><loc>https://fixpensionsfirst.com/newsroom/regional/</loc></url><url><loc>https://fixpensionsfirst.com/newsroom/state/</loc></url><url><loc>https://fixpensionsfirst.com/page/2/</loc></url><url><loc>https://fixpensionsfirst.com/page/3/</loc></url><url><loc>https://fixpensionsfirst.com/pagenotfound.html</loc></url><url><loc>https://fixpensionsfirst.com/pension-boot-camp-live-stream-may-5th/</loc></url><url><loc>https://fixpensionsfirst.com/pensionclub/</loc></url><url><loc>https://fixpensionsfirst.com/personal-loans-calculators-apr-origination-fees-and-term-trade-offs</loc></url><url><loc>https://fixpensionsfirst.com/physician-mortgage-loans-pros-cons-and-eligibility</loc></url><url><loc>https://fixpensionsfirst.com/poll-results/</loc></url><url><loc>https://fixpensionsfirst.com/proposals/</loc></url><url><loc>https://fixpensionsfirst.com/recentstudies/</loc></url><url><loc>https://fixpensionsfirst.com/research/</loc></url><url><loc>https://fixpensionsfirst.com/research/links/</loc></url><url><loc>https://fixpensionsfirst.com/research/local/</loc></url><url><loc>https://fixpensionsfirst.com/research/national/</loc></url><url><loc>https://fixpensionsfirst.com/research/state/</loc></url><url><loc>https://fixpensionsfirst.com/sign-the-petition/</loc></url><url><loc>https://fixpensionsfirst.com/signup/</loc></url><url><loc>https://fixpensionsfirst.com/signup/thanks/</loc></url><url><loc>https://fixpensionsfirst.com/socialmedia/</loc></url><url><loc>https://fixpensionsfirst.com/summary/</loc></url><url><loc>https://fixpensionsfirst.com/support/</loc></url><url><loc>https://fixpensionsfirst.com/support/thanks/</loc></url><url><loc>https://fixpensionsfirst.com/tag/abuse/</loc></url><url><loc>https://fixpensionsfirst.com/tag/budget/</loc></url><url><loc>https://fixpensionsfirst.com/tag/california-foundation-for-fiscal-responsibility/</loc></url><url><loc>https://fixpensionsfirst.com/tag/california/</loc></url><url><loc>https://fixpensionsfirst.com/tag/jerry-brown/</loc></url><url><loc>https://fixpensionsfirst.com/tag/pension-crisis/</loc></url><url><loc>https://fixpensionsfirst.com/tag/pension-reform/</loc></url><url><loc>https://fixpensionsfirst.com/tag/pesnion-reform/</loc></url><url><loc>https://fixpensionsfirst.com/tag/roger-niello/</loc></url><url><loc>https://fixpensionsfirst.com/tag/steven-greenhut/</loc></url><url><loc>https://fixpensionsfirst.com/tag/the-orange-county-register/</loc></url><url><loc>https://fixpensionsfirst.com/ten-things/</loc></url><url><loc>https://fixpensionsfirst.com/uc2012/</loc></url><url><loc>https://fixpensionsfirst.com/ucrs/</loc></url><url><loc>https://fixpensionsfirst.com/weeklyquestion/</loc></url><url><loc>https://fixpensionsfirst.com/what-are-ppp-loans-uses-forgiveness-and-audit-risks</loc></url></urlset>