Which one below is correct?

Fertility rates in the United States are continuing their decades-long decline, due in large part to a steep slide in teenage pregnancies down to historic lows, according to a new government report released Thursday. The report only examined the trajectory of pregnancy rates through 2009, stopping there because more recent data on abortions is not available yet. But newer statistics on birth rates suggest the decline is continuing, though not as quickly as it did in recent years when the recession accelerated trends well underway.

Millions of workers will be exposed to "risky" and outdated retirement saving schemes under the government’s scheme to automatically enrol people into pensions, former Downing Street adviser Dr. Ros Altmann has warned. Pension schemes under the Government’s automatic enrolment initiative started in October 2012 and are expected to result in around 11 million new pension savers over the next five years. Altmann said: "The future for pensions is more complex and risky than ever before. " She called for an overhaul of defined contribution(DC)pensions which, she argued, "are not fit for 21st-century lives".