Failing to guess correctly how much money will be needed to fund their promises is what dogs pension funds again and again.

FORBES: How To Fix Your Lousy 401(k) Retirement Plan: Pool It, Like a Pension Fund

What the system improves is your ability to guess correctly.

FORBES: Serendipity Lies At The Heart Of Business Relationships

Flu viruses change their look every fall, and a vaccinemaker has to guess early and correctly which strain will dominate.

FORBES: Broken Eggs