78585uytjidtygkh. Scientific Journal of Actuarial Finance and Accounting, [S. l.], v. 1, n. 1, p. 44–65, 2021. DOI: 10.55439/AFA/vol1_iss1/1171. Disponível em: https://finance.tsue.uz/index.php/afa/article/view/1171.. Acesso em: 23 oct. 2025.