Ladybug or Asian Lady Beetle?

There are 5,000 different kinds of ladybugs worldwide; 400 live in North America.
Ladybugs are often confused with multi-colored Asian lady beetles, which often show up in large numbers in fall.
The difference is that ladybugs can pull their head into their shells like turtles.
So which one is this?

It's an Asian lady beetle.

Charlotte