Juszczyk, Bartłomiej, and Janusz Ostaszewski. “Does the Solution to the Dramatically Low Birth Rate in Poland and the Imminent Risk of the Pension System Collapse Lie Mainly in the Financial Sphere?”. Studies and Work of the Collegium of Management and Finance , no. 191 (November 21, 2023): 23–34. Accessed December 5, 2025. https://econjournals.sgh.waw.pl/SiP/article/view/4178.