SANTA FE, N.M. (AP) — An international credit rating agency says the New Mexico teachers pension fund isn't taking in enough money to pay educators when they retire. Moody's says a funding bill for pensions approved by the Legislature last week wouldn't eliminate a growing gap between what the pension collects and what it is expected to pay teachers in the future. Moody’s estimates that the pension needs to collect an additional 5% of payroll. It also says a drop in interest rates is hurting the pension's conservative investments. If the bill is signed by Gov. Michelle Lujan Grisham, the state will pay for a slight increase in employer contributions to the fund.