There are fiscal cliffs, then there are fiscal black holes. The difference? The cliff, you fall over just once. But a black hole increases its pull on you more and more each day. And that's a disturbingly accurate description of the problem now faced by Rhode Island and virtually every other state: the ever-growing challenge of underfunded pensions for government employees. Regardless of the fate of Rhode Island's pension overhaul as it winds its way through the courts, the problem isn't going away.