SKIP
The provided excerpt contains only a headline and a single sentence stating that "a growing number of people are opting out of these schemes due to cost-of-living pressures." This does not supply sufficient concrete facts, figures, quotes, sources, or verifiable information to construct a proper news brief. The source material lacks details about who exactly is opting out, specific numbers or percentages, the actual pension schemes involved, named individuals or organizations, the £10k figure's context, or any substantive reporting beyond a general claim. A responsible brief requires material facts beyond this minimal framing.