PAN-EUROPEAN PERSONAL PENSION PRODUCT (PEPP) – REGULATION, EFFECTS AND PROBLEMS ADEQUATE AND SUSTAINABLE PENSIONS – WHERE IS THE BALANCE BETWEEN PAY-AS-YOU-GO PUBLIC PENSIONS AND CAPITAL PENSIONS THE ROLE OF INSTITUTIONS, BUSINESS, AND SOCIETY IN SHAPING MODERN ECONOMY SUSTAINABLE INVESTING TRENDS. CAN THEY HELP THE TRANSITION TO CIRCULAR ECONOMY? NON-FINANCIAL DECLARATION. THEORETICAL ASPECTS.