For citations:
Rusetskaya E.A., Zakharova D.A., Krechetova A.A., Shchetinskaya A.I., Gundar Ya.D., Frolov K.S. Insurance: is it better together? Newsletter of North-Caucasus Federal University. 2025;(1):81-91. (In Russ.) https://doi.org/10.37493/2307-907X.2025.1.9