id	sid	tid	token	lemma	pos
ajbmeb-1485	1	1	american	american	PROPN
ajbmeb-1485	1	2	journal	journal	PROPN
ajbmeb-1485	1	3	of	of	ADP
ajbmeb-1485	1	4	business	business	NOUN
ajbmeb-1485	1	5	management	management	NOUN
ajbmeb-1485	1	6	,	,	PUNCT
ajbmeb-1485	1	7	economics	economic	NOUN
ajbmeb-1485	1	8	and	and	CCONJ
ajbmeb-1485	1	9	banking	banking	NOUN
ajbmeb-1485	1	10	issn	issn	PROPN
ajbmeb-1485	1	11	(	(	PUNCT
ajbmeb-1485	1	12	e	e	NOUN
ajbmeb-1485	1	13	):	):	PUNCT
ajbmeb-1485	1	14	2832	2832	NUM
ajbmeb-1485	1	15	-	-	SYM
ajbmeb-1485	1	16	8078	8078	NUM
ajbmeb-1485	1	17	volume	volume	NOUN
ajbmeb-1485	1	18	18	18	NUM
ajbmeb-1485	1	19	,	,	PUNCT
ajbmeb-1485	1	20	|	|	ADV
ajbmeb-1485	1	21	november	november	PROPN
ajbmeb-1485	1	22	,	,	PUNCT
ajbmeb-1485	1	23	2023	2023	NUM
ajbmeb-1485	1	24	p	p	NOUN
ajbmeb-1485	1	25	a	a	DET
ajbmeb-1485	1	26	g	g	NOUN
ajbmeb-1485	1	27	e	e	PROPN
ajbmeb-1485	2	1	|	|	ADV
ajbmeb-1485	2	2	105	105	NUM
ajbmeb-1485	2	3	www.americanjournal.org	www.americanjournal.org	PROPN
ajbmeb-1485	2	4	theoretical	theoretical	ADJ
ajbmeb-1485	2	5	interpretation	interpretation	NOUN
ajbmeb-1485	2	6	of	of	ADP
ajbmeb-1485	2	7	business	business	NOUN
ajbmeb-1485	2	8	processes	process	NOUN
ajbmeb-1485	2	9	in	in	ADP
ajbmeb-1485	2	10	insurance	insurance	NOUN
ajbmeb-1485	2	11	activity	activity	NOUN
ajbmeb-1485	2	12	:	:	PUNCT
ajbmeb-1485	2	13	generality	generality	NOUN
ajbmeb-1485	2	14	and	and	CCONJ
ajbmeb-1485	2	15	specificity	specificity	NOUN
ajbmeb-1485	2	16	khusanov	khusanov	PROPN
ajbmeb-1485	2	17	fakhriddin	fakhriddin	PROPN
ajbmeb-1485	2	18	student	student	NOUN
ajbmeb-1485	2	19	of	of	ADP
ajbmeb-1485	2	20	the	the	DET
ajbmeb-1485	2	21	tashkent	tashkent	PROPN
ajbmeb-1485	2	22	financial	financial	PROPN
ajbmeb-1485	2	23	institute	institute	PROPN
ajbmeb-1485	2	24	a	a	DET
ajbmeb-1485	2	25	b	b	PROPN
ajbmeb-1485	2	26	s	s	ADP
ajbmeb-1485	2	27	t	t	PROPN
ajbmeb-1485	2	28	r	r	NOUN
ajbmeb-1485	2	29	a	a	DET
ajbmeb-1485	2	30	c	c	NOUN
ajbmeb-1485	2	31	t	t	NOUN
ajbmeb-1485	2	32	k	k	X
ajbmeb-1485	2	33	e	e	PROPN
ajbmeb-1485	2	34	y	y	PROPN
ajbmeb-1485	2	35	w	w	NOUN
ajbmeb-1485	2	36	o	o	NOUN
ajbmeb-1485	2	37	r	r	NOUN
ajbmeb-1485	2	38	d	d	X
ajbmeb-1485	2	39	s	s	VERB
ajbmeb-1485	2	40	the	the	DET
ajbmeb-1485	2	41	components	component	NOUN
ajbmeb-1485	2	42	of	of	ADP
ajbmeb-1485	2	43	business	business	NOUN
ajbmeb-1485	2	44	processes	process	NOUN
ajbmeb-1485	2	45	include	include	VERB
ajbmeb-1485	2	46	the	the	DET
ajbmeb-1485	2	47	creation	creation	NOUN
ajbmeb-1485	2	48	of	of	ADP
ajbmeb-1485	2	49	new	new	ADJ
ajbmeb-1485	2	50	products	product	NOUN
ajbmeb-1485	2	51	,	,	PUNCT
ajbmeb-1485	2	52	sales	sale	NOUN
ajbmeb-1485	2	53	,	,	PUNCT
ajbmeb-1485	2	54	services	service	NOUN
ajbmeb-1485	2	55	,	,	PUNCT
ajbmeb-1485	2	56	forecasting	forecasting	NOUN
ajbmeb-1485	2	57	,	,	PUNCT
ajbmeb-1485	2	58	human	human	ADJ
ajbmeb-1485	2	59	resource	resource	NOUN
ajbmeb-1485	2	60	management	management	NOUN
ajbmeb-1485	2	61	and	and	CCONJ
ajbmeb-1485	2	62	other	other	ADJ
ajbmeb-1485	2	63	activities	activity	NOUN
ajbmeb-1485	2	64	aimed	aim	VERB
ajbmeb-1485	2	65	at	at	ADP
ajbmeb-1485	2	66	improving	improve	VERB
ajbmeb-1485	2	67	operational	operational	ADJ
ajbmeb-1485	2	68	efficiency	efficiency	NOUN
ajbmeb-1485	2	69	.	.	PUNCT
ajbmeb-1485	3	1	insurance	insurance	NOUN
ajbmeb-1485	3	2	,	,	PUNCT
ajbmeb-1485	3	3	business	business	NOUN
ajbmeb-1485	3	4	,	,	PUNCT
ajbmeb-1485	3	5	insurance	insurance	NOUN
ajbmeb-1485	3	6	activity	activity	NOUN
ajbmeb-1485	3	7	,	,	PUNCT
ajbmeb-1485	3	8	insurance	insurance	NOUN
ajbmeb-1485	3	9	market	market	NOUN
ajbmeb-1485	3	10	,	,	PUNCT
ajbmeb-1485	3	11	professional	professional	ADJ
ajbmeb-1485	3	12	participants	participant	NOUN
ajbmeb-1485	3	13	,	,	PUNCT
ajbmeb-1485	3	14	insurance	insurance	NOUN
ajbmeb-1485	3	15	intermediaries	intermediary	NOUN
ajbmeb-1485	3	16	,	,	PUNCT
ajbmeb-1485	3	17	reengineering	reengineere	VERB
ajbmeb-1485	3	18	business	business	NOUN
ajbmeb-1485	3	19	processes	process	NOUN
ajbmeb-1485	3	20	.	.	PUNCT
ajbmeb-1485	4	1	introduction	introduction	NOUN
ajbmeb-1485	4	2	in	in	ADP
ajbmeb-1485	4	3	the	the	DET
ajbmeb-1485	4	4	context	context	NOUN
ajbmeb-1485	4	5	of	of	ADP
ajbmeb-1485	4	6	innovative	innovative	ADJ
ajbmeb-1485	4	7	development	development	NOUN
ajbmeb-1485	4	8	of	of	ADP
ajbmeb-1485	4	9	the	the	DET
ajbmeb-1485	4	10	economy	economy	NOUN
ajbmeb-1485	4	11	,	,	PUNCT
ajbmeb-1485	4	12	uzbekistan	uzbekistan	PROPN
ajbmeb-1485	4	13	is	be	AUX
ajbmeb-1485	4	14	experiencing	experience	VERB
ajbmeb-1485	4	15	rapid	rapid	ADJ
ajbmeb-1485	4	16	development	development	NOUN
ajbmeb-1485	4	17	of	of	ADP
ajbmeb-1485	4	18	the	the	DET
ajbmeb-1485	4	19	insurance	insurance	NOUN
ajbmeb-1485	4	20	market	market	NOUN
ajbmeb-1485	4	21	.	.	PUNCT
ajbmeb-1485	5	1	it	it	PRON
ajbmeb-1485	5	2	should	should	AUX
ajbmeb-1485	5	3	be	be	AUX
ajbmeb-1485	5	4	noted	note	VERB
ajbmeb-1485	5	5	that	that	SCONJ
ajbmeb-1485	5	6	increasing	increase	VERB
ajbmeb-1485	5	7	the	the	DET
ajbmeb-1485	5	8	competitiveness	competitiveness	NOUN
ajbmeb-1485	5	9	of	of	ADP
ajbmeb-1485	5	10	the	the	DET
ajbmeb-1485	5	11	national	national	ADJ
ajbmeb-1485	5	12	economy	economy	NOUN
ajbmeb-1485	5	13	through	through	ADP
ajbmeb-1485	5	14	the	the	DET
ajbmeb-1485	5	15	modernization	modernization	NOUN
ajbmeb-1485	5	16	and	and	CCONJ
ajbmeb-1485	5	17	diversification	diversification	NOUN
ajbmeb-1485	5	18	of	of	ADP
ajbmeb-1485	5	19	the	the	DET
ajbmeb-1485	5	20	insurance	insurance	NOUN
ajbmeb-1485	5	21	industry	industry	NOUN
ajbmeb-1485	5	22	will	will	AUX
ajbmeb-1485	5	23	significantly	significantly	ADV
ajbmeb-1485	5	24	increase	increase	VERB
ajbmeb-1485	5	25	the	the	DET
ajbmeb-1485	5	26	perception	perception	NOUN
ajbmeb-1485	5	27	of	of	ADP
ajbmeb-1485	5	28	insurance	insurance	NOUN
ajbmeb-1485	5	29	relations	relation	NOUN
ajbmeb-1485	5	30	as	as	ADP
ajbmeb-1485	5	31	an	an	DET
ajbmeb-1485	5	32	important	important	ADJ
ajbmeb-1485	5	33	means	mean	NOUN
ajbmeb-1485	5	34	of	of	ADP
ajbmeb-1485	5	35	reducing	reduce	VERB
ajbmeb-1485	5	36	losses	loss	NOUN
ajbmeb-1485	5	37	,	,	PUNCT
ajbmeb-1485	5	38	both	both	CCONJ
ajbmeb-1485	5	39	in	in	ADP
ajbmeb-1485	5	40	the	the	DET
ajbmeb-1485	5	41	field	field	NOUN
ajbmeb-1485	5	42	of	of	ADP
ajbmeb-1485	5	43	production	production	NOUN
ajbmeb-1485	5	44	relations	relation	NOUN
ajbmeb-1485	5	45	and	and	CCONJ
ajbmeb-1485	5	46	among	among	ADP
ajbmeb-1485	5	47	the	the	DET
ajbmeb-1485	5	48	population	population	NOUN
ajbmeb-1485	5	49	.	.	PUNCT
ajbmeb-1485	6	1	the	the	DET
ajbmeb-1485	6	2	effectiveness	effectiveness	NOUN
ajbmeb-1485	6	3	of	of	ADP
ajbmeb-1485	6	4	a	a	DET
ajbmeb-1485	6	5	business	business	NOUN
ajbmeb-1485	6	6	process	process	NOUN
ajbmeb-1485	6	7	system	system	NOUN
ajbmeb-1485	6	8	in	in	ADP
ajbmeb-1485	6	9	insurance	insurance	NOUN
ajbmeb-1485	6	10	activity	activity	NOUN
ajbmeb-1485	6	11	is	be	AUX
ajbmeb-1485	6	12	measured	measure	VERB
ajbmeb-1485	6	13	by	by	ADP
ajbmeb-1485	6	14	its	its	PRON
ajbmeb-1485	6	15	effectiveness	effectiveness	NOUN
ajbmeb-1485	6	16	for	for	ADP
ajbmeb-1485	6	17	the	the	DET
ajbmeb-1485	6	18	client	client	NOUN
ajbmeb-1485	6	19	.	.	PUNCT
ajbmeb-1485	7	1	business	business	NOUN
ajbmeb-1485	7	2	process	process	NOUN
ajbmeb-1485	7	3	management	management	NOUN
ajbmeb-1485	7	4	is	be	AUX
ajbmeb-1485	7	5	carried	carry	VERB
ajbmeb-1485	7	6	out	out	ADP
ajbmeb-1485	7	7	in	in	ADP
ajbmeb-1485	7	8	a	a	DET
ajbmeb-1485	7	9	systematic	systematic	ADJ
ajbmeb-1485	7	10	way	way	NOUN
ajbmeb-1485	7	11	according	accord	VERB
ajbmeb-1485	7	12	to	to	ADP
ajbmeb-1485	7	13	an	an	DET
ajbmeb-1485	7	14	integrated	integrated	ADJ
ajbmeb-1485	7	15	goal	goal	NOUN
ajbmeb-1485	7	16	.	.	PUNCT
ajbmeb-1485	8	1	it	it	PRON
ajbmeb-1485	8	2	is	be	AUX
ajbmeb-1485	8	3	based	base	VERB
ajbmeb-1485	8	4	on	on	ADP
ajbmeb-1485	8	5	the	the	DET
ajbmeb-1485	8	6	number	number	NOUN
ajbmeb-1485	8	7	of	of	ADP
ajbmeb-1485	8	8	employees	employee	NOUN
ajbmeb-1485	8	9	,	,	PUNCT
ajbmeb-1485	8	10	turnover	turnover	NOUN
ajbmeb-1485	8	11	,	,	PUNCT
ajbmeb-1485	8	12	customer	customer	NOUN
ajbmeb-1485	8	13	type	type	NOUN
ajbmeb-1485	8	14	or	or	CCONJ
ajbmeb-1485	8	15	market	market	NOUN
ajbmeb-1485	8	16	geography	geography	NOUN
ajbmeb-1485	8	17	.	.	PUNCT
ajbmeb-1485	9	1	any	any	DET
ajbmeb-1485	9	2	action	action	NOUN
ajbmeb-1485	9	3	,	,	PUNCT
ajbmeb-1485	9	4	document	document	NOUN
ajbmeb-1485	9	5	,	,	PUNCT
ajbmeb-1485	9	6	event	event	NOUN
ajbmeb-1485	9	7	,	,	PUNCT
ajbmeb-1485	9	8	or	or	CCONJ
ajbmeb-1485	9	9	business	business	NOUN
ajbmeb-1485	9	10	task	task	NOUN
ajbmeb-1485	9	11	is	be	AUX
ajbmeb-1485	9	12	interconnected	interconnect	VERB
ajbmeb-1485	9	13	and	and	CCONJ
ajbmeb-1485	9	14	intended	intend	VERB
ajbmeb-1485	9	15	to	to	PART
ajbmeb-1485	9	16	achieve	achieve	VERB
ajbmeb-1485	9	17	a	a	DET
ajbmeb-1485	9	18	goal	goal	NOUN
ajbmeb-1485	9	19	set	set	VERB
ajbmeb-1485	9	20	during	during	ADP
ajbmeb-1485	9	21	business	business	NOUN
ajbmeb-1485	9	22	processes	process	NOUN
ajbmeb-1485	9	23	.	.	PUNCT
ajbmeb-1485	10	1	the	the	DET
ajbmeb-1485	10	2	effectiveness	effectiveness	NOUN
ajbmeb-1485	10	3	of	of	ADP
ajbmeb-1485	10	4	subsequent	subsequent	ADJ
ajbmeb-1485	10	5	work	work	NOUN
ajbmeb-1485	10	6	on	on	ADP
ajbmeb-1485	10	7	business	business	NOUN
ajbmeb-1485	10	8	process	process	NOUN
ajbmeb-1485	10	9	management	management	NOUN
ajbmeb-1485	10	10	depends	depend	VERB
ajbmeb-1485	10	11	on	on	ADP
ajbmeb-1485	10	12	how	how	SCONJ
ajbmeb-1485	10	13	clearly	clearly	ADV
ajbmeb-1485	10	14	and	and	CCONJ
ajbmeb-1485	10	15	accurately	accurately	ADV
ajbmeb-1485	10	16	the	the	DET
ajbmeb-1485	10	17	boundaries	boundary	NOUN
ajbmeb-1485	10	18	are	be	AUX
ajbmeb-1485	10	19	defined	define	VERB
ajbmeb-1485	10	20	.	.	PUNCT
ajbmeb-1485	11	1	if	if	SCONJ
ajbmeb-1485	11	2	the	the	DET
ajbmeb-1485	11	3	boundaries	boundary	NOUN
ajbmeb-1485	11	4	are	be	AUX
ajbmeb-1485	11	5	not	not	PART
ajbmeb-1485	11	6	set	set	VERB
ajbmeb-1485	11	7	correctly	correctly	ADV
ajbmeb-1485	11	8	,	,	PUNCT
ajbmeb-1485	11	9	the	the	DET
ajbmeb-1485	11	10	following	follow	VERB
ajbmeb-1485	11	11	:	:	PUNCT
ajbmeb-1485	11	12	lack	lack	NOUN
ajbmeb-1485	11	13	of	of	ADP
ajbmeb-1485	11	14	detailed	detailed	ADJ
ajbmeb-1485	11	15	description	description	NOUN
ajbmeb-1485	11	16	of	of	ADP
ajbmeb-1485	11	17	business	business	NOUN
ajbmeb-1485	11	18	processes	process	NOUN
ajbmeb-1485	11	19	;	;	PUNCT
ajbmeb-1485	11	20	incorrect	incorrect	ADJ
ajbmeb-1485	11	21	analysis	analysis	NOUN
ajbmeb-1485	11	22	of	of	ADP
ajbmeb-1485	11	23	business	business	NOUN
ajbmeb-1485	11	24	process	process	NOUN
ajbmeb-1485	11	25	efficiency	efficiency	NOUN
ajbmeb-1485	11	26	;	;	PUNCT
ajbmeb-1485	11	27	inaccurate	inaccurate	ADJ
ajbmeb-1485	11	28	assessment	assessment	NOUN
ajbmeb-1485	11	29	of	of	ADP
ajbmeb-1485	11	30	the	the	DET
ajbmeb-1485	11	31	resources	resource	NOUN
ajbmeb-1485	11	32	spent	spend	VERB
ajbmeb-1485	11	33	on	on	ADP
ajbmeb-1485	11	34	the	the	DET
ajbmeb-1485	11	35	process	process	NOUN
ajbmeb-1485	11	36	and	and	CCONJ
ajbmeb-1485	11	37	its	its	PRON
ajbmeb-1485	11	38	duration	duration	NOUN
ajbmeb-1485	11	39	;	;	PUNCT
ajbmeb-1485	11	40	ineffective	ineffective	ADJ
ajbmeb-1485	11	41	division	division	NOUN
ajbmeb-1485	11	42	of	of	ADP
ajbmeb-1485	11	43	responsibilities	responsibility	NOUN
ajbmeb-1485	11	44	due	due	ADJ
ajbmeb-1485	11	45	to	to	ADP
ajbmeb-1485	11	46	incorrect	incorrect	ADJ
ajbmeb-1485	11	47	identification	identification	NOUN
ajbmeb-1485	11	48	of	of	ADP
ajbmeb-1485	11	49	subjects	subject	NOUN
ajbmeb-1485	11	50	and	and	CCONJ
ajbmeb-1485	11	51	participants	participant	NOUN
ajbmeb-1485	11	52	in	in	ADP
ajbmeb-1485	11	53	the	the	DET
ajbmeb-1485	11	54	process	process	NOUN
ajbmeb-1485	11	55	;	;	PUNCT
ajbmeb-1485	11	56	improper	improper	ADJ
ajbmeb-1485	11	57	identification	identification	NOUN
ajbmeb-1485	11	58	of	of	ADP
ajbmeb-1485	11	59	business	business	NOUN
ajbmeb-1485	11	60	processes	process	NOUN
ajbmeb-1485	11	61	can	can	AUX
ajbmeb-1485	11	62	lead	lead	VERB
ajbmeb-1485	11	63	to	to	ADP
ajbmeb-1485	11	64	a	a	DET
ajbmeb-1485	11	65	number	number	NOUN
ajbmeb-1485	11	66	of	of	ADP
ajbmeb-1485	11	67	unexpected	unexpected	ADJ
ajbmeb-1485	11	68	problems	problem	NOUN
ajbmeb-1485	11	69	due	due	ADP
ajbmeb-1485	11	70	to	to	ADP
ajbmeb-1485	11	71	the	the	DET
ajbmeb-1485	11	72	detection	detection	NOUN
ajbmeb-1485	11	73	of	of	ADP
ajbmeb-1485	11	74	errors	error	NOUN
ajbmeb-1485	11	75	in	in	ADP
ajbmeb-1485	11	76	service	service	NOUN
ajbmeb-1485	11	77	technologies	technology	NOUN
ajbmeb-1485	11	78	.	.	PUNCT
ajbmeb-1485	12	1	there	there	PRON
ajbmeb-1485	12	2	are	be	VERB
ajbmeb-1485	12	3	two	two	NUM
ajbmeb-1485	12	4	ways	way	NOUN
ajbmeb-1485	12	5	to	to	PART
ajbmeb-1485	12	6	define	define	VERB
ajbmeb-1485	12	7	business	business	NOUN
ajbmeb-1485	12	8	process	process	NOUN
ajbmeb-1485	12	9	management	management	NOUN
ajbmeb-1485	12	10	boundaries	boundary	NOUN
ajbmeb-1485	12	11	simple	simple	ADJ
ajbmeb-1485	12	12	and	and	CCONJ
ajbmeb-1485	12	13	automatic	automatic	ADJ
ajbmeb-1485	12	14	.	.	PUNCT
ajbmeb-1485	13	1	forming	form	VERB
ajbmeb-1485	13	2	a	a	DET
ajbmeb-1485	13	3	database	database	NOUN
ajbmeb-1485	13	4	in	in	ADP
ajbmeb-1485	13	5	an	an	DET
ajbmeb-1485	13	6	information	information	NOUN
ajbmeb-1485	13	7	system	system	NOUN
ajbmeb-1485	13	8	for	for	ADP
ajbmeb-1485	13	9	automatic	automatic	ADJ
ajbmeb-1485	13	10	detection	detection	NOUN
ajbmeb-1485	13	11	involves	involve	VERB
ajbmeb-1485	13	12	the	the	DET
ajbmeb-1485	13	13	introduction	introduction	NOUN
ajbmeb-1485	13	14	of	of	ADP
ajbmeb-1485	13	15	a	a	DET
ajbmeb-1485	13	16	american	american	ADJ
ajbmeb-1485	13	17	journal	journal	PROPN
ajbmeb-1485	13	18	of	of	ADP
ajbmeb-1485	13	19	business	business	NOUN
ajbmeb-1485	13	20	management	management	NOUN
ajbmeb-1485	13	21	,	,	PUNCT
ajbmeb-1485	13	22	economics	economic	NOUN
ajbmeb-1485	13	23	and	and	CCONJ
ajbmeb-1485	13	24	banking	banking	NOUN
ajbmeb-1485	13	25	volume	volume	NOUN
ajbmeb-1485	13	26	18	18	NUM
ajbmeb-1485	13	27	nov	nov	PROPN
ajbmeb-1485	13	28	.	.	PROPN
ajbmeb-1485	13	29	,	,	PUNCT
ajbmeb-1485	13	30	2023	2023	NUM
ajbmeb-1485	13	31	p	p	NOUN
ajbmeb-1485	13	32	a	a	DET
ajbmeb-1485	13	33	g	g	NOUN
ajbmeb-1485	13	34	e	e	NOUN
ajbmeb-1485	13	35	|	|	ADV
ajbmeb-1485	13	36	106	106	NUM
ajbmeb-1485	13	37	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1485	13	38	number	number	NOUN
ajbmeb-1485	13	39	of	of	ADP
ajbmeb-1485	13	40	processes	process	NOUN
ajbmeb-1485	13	41	.	.	PUNCT
ajbmeb-1485	14	1	such	such	DET
ajbmeb-1485	14	2	an	an	DET
ajbmeb-1485	14	3	information	information	NOUN
ajbmeb-1485	14	4	system	system	NOUN
ajbmeb-1485	14	5	is	be	AUX
ajbmeb-1485	14	6	not	not	PART
ajbmeb-1485	14	7	designed	design	VERB
ajbmeb-1485	14	8	for	for	ADP
ajbmeb-1485	14	9	everyone	everyone	PRON
ajbmeb-1485	14	10	,	,	PUNCT
ajbmeb-1485	14	11	so	so	ADV
ajbmeb-1485	14	12	the	the	DET
ajbmeb-1485	14	13	boundaries	boundary	NOUN
ajbmeb-1485	14	14	of	of	ADP
ajbmeb-1485	14	15	business	business	NOUN
ajbmeb-1485	14	16	processes	process	NOUN
ajbmeb-1485	14	17	have	have	VERB
ajbmeb-1485	14	18	to	to	PART
ajbmeb-1485	14	19	be	be	AUX
ajbmeb-1485	14	20	defined	define	VERB
ajbmeb-1485	14	21	in	in	ADP
ajbmeb-1485	14	22	a	a	DET
ajbmeb-1485	14	23	simple	simple	ADJ
ajbmeb-1485	14	24	way	way	NOUN
ajbmeb-1485	14	25	.	.	PUNCT
ajbmeb-1485	15	1	the	the	DET
ajbmeb-1485	15	2	end	end	NOUN
ajbmeb-1485	15	3	of	of	ADP
ajbmeb-1485	15	4	one	one	NUM
ajbmeb-1485	15	5	process	process	NOUN
ajbmeb-1485	15	6	always	always	ADV
ajbmeb-1485	15	7	realized	realize	VERB
ajbmeb-1485	15	8	the	the	DET
ajbmeb-1485	15	9	beginning	beginning	NOUN
ajbmeb-1485	15	10	of	of	ADP
ajbmeb-1485	15	11	another	another	PRON
ajbmeb-1485	15	12	.	.	PUNCT
ajbmeb-1485	16	1	every	every	DET
ajbmeb-1485	16	2	business	business	NOUN
ajbmeb-1485	16	3	process	process	NOUN
ajbmeb-1485	16	4	is	be	AUX
ajbmeb-1485	16	5	focused	focus	VERB
ajbmeb-1485	16	6	on	on	ADP
ajbmeb-1485	16	7	the	the	DET
ajbmeb-1485	16	8	production	production	NOUN
ajbmeb-1485	16	9	of	of	ADP
ajbmeb-1485	16	10	one	one	NUM
ajbmeb-1485	16	11	or	or	CCONJ
ajbmeb-1485	16	12	more	more	ADJ
ajbmeb-1485	16	13	products	product	NOUN
ajbmeb-1485	16	14	,	,	PUNCT
ajbmeb-1485	16	15	the	the	DET
ajbmeb-1485	16	16	provision	provision	NOUN
ajbmeb-1485	16	17	of	of	ADP
ajbmeb-1485	16	18	services	service	NOUN
ajbmeb-1485	16	19	.	.	PUNCT
ajbmeb-1485	17	1	they	they	PRON
ajbmeb-1485	17	2	are	be	AUX
ajbmeb-1485	17	3	often	often	ADV
ajbmeb-1485	17	4	referred	refer	VERB
ajbmeb-1485	17	5	to	to	ADP
ajbmeb-1485	17	6	as	as	SCONJ
ajbmeb-1485	17	7	exit	exit	NOUN
ajbmeb-1485	17	8	points	point	NOUN
ajbmeb-1485	17	9	in	in	ADP
ajbmeb-1485	17	10	the	the	DET
ajbmeb-1485	17	11	process	process	NOUN
ajbmeb-1485	17	12	.	.	PUNCT
ajbmeb-1485	18	1	defining	define	VERB
ajbmeb-1485	18	2	process	process	NOUN
ajbmeb-1485	18	3	boundaries	boundary	NOUN
ajbmeb-1485	18	4	involves	involve	VERB
ajbmeb-1485	18	5	solving	solve	VERB
ajbmeb-1485	18	6	a	a	DET
ajbmeb-1485	18	7	number	number	NOUN
ajbmeb-1485	18	8	of	of	ADP
ajbmeb-1485	18	9	problems	problem	NOUN
ajbmeb-1485	18	10	.	.	PUNCT
ajbmeb-1485	19	1	one	one	NUM
ajbmeb-1485	19	2	is	be	AUX
ajbmeb-1485	19	3	to	to	PART
ajbmeb-1485	19	4	determine	determine	VERB
ajbmeb-1485	19	5	the	the	DET
ajbmeb-1485	19	6	duration	duration	NOUN
ajbmeb-1485	19	7	of	of	ADP
ajbmeb-1485	19	8	the	the	DET
ajbmeb-1485	19	9	process	process	NOUN
ajbmeb-1485	19	10	and	and	CCONJ
ajbmeb-1485	19	11	whether	whether	SCONJ
ajbmeb-1485	19	12	it	it	PRON
ajbmeb-1485	19	13	is	be	AUX
ajbmeb-1485	19	14	complete	complete	ADJ
ajbmeb-1485	19	15	.	.	PUNCT
ajbmeb-1485	20	1	obtaining	obtain	VERB
ajbmeb-1485	20	2	the	the	DET
ajbmeb-1485	20	3	information	information	NOUN
ajbmeb-1485	20	4	needed	need	VERB
ajbmeb-1485	20	5	to	to	PART
ajbmeb-1485	20	6	produce	produce	VERB
ajbmeb-1485	20	7	an	an	DET
ajbmeb-1485	20	8	insurance	insurance	NOUN
ajbmeb-1485	20	9	product	product	NOUN
ajbmeb-1485	20	10	means	mean	VERB
ajbmeb-1485	20	11	that	that	SCONJ
ajbmeb-1485	20	12	the	the	DET
ajbmeb-1485	20	13	business	business	NOUN
ajbmeb-1485	20	14	process	process	NOUN
ajbmeb-1485	20	15	has	have	AUX
ajbmeb-1485	20	16	begun	begin	VERB
ajbmeb-1485	20	17	.	.	PUNCT
ajbmeb-1485	21	1	for	for	ADP
ajbmeb-1485	21	2	example	example	NOUN
ajbmeb-1485	21	3	,	,	PUNCT
ajbmeb-1485	21	4	a	a	DET
ajbmeb-1485	21	5	customer	customer	NOUN
ajbmeb-1485	21	6	’s	’s	PART
ajbmeb-1485	21	7	call	call	NOUN
ajbmeb-1485	21	8	,	,	PUNCT
ajbmeb-1485	21	9	an	an	DET
ajbmeb-1485	21	10	unsolicited	unsolicited	ADJ
ajbmeb-1485	21	11	email	email	NOUN
ajbmeb-1485	21	12	address	address	NOUN
ajbmeb-1485	21	13	,	,	PUNCT
ajbmeb-1485	21	14	an	an	DET
ajbmeb-1485	21	15	order	order	NOUN
ajbmeb-1485	21	16	received	receive	VERB
ajbmeb-1485	21	17	,	,	PUNCT
ajbmeb-1485	21	18	the	the	DET
ajbmeb-1485	21	19	start	start	NOUN
ajbmeb-1485	21	20	of	of	ADP
ajbmeb-1485	21	21	a	a	DET
ajbmeb-1485	21	22	business	business	NOUN
ajbmeb-1485	21	23	day	day	NOUN
ajbmeb-1485	21	24	,	,	PUNCT
ajbmeb-1485	21	25	and	and	CCONJ
ajbmeb-1485	21	26	so	so	ADV
ajbmeb-1485	21	27	on	on	ADV
ajbmeb-1485	21	28	.	.	PUNCT
ajbmeb-1485	22	1	the	the	DET
ajbmeb-1485	22	2	initiation	initiation	NOUN
ajbmeb-1485	22	3	event	event	NOUN
ajbmeb-1485	22	4	may	may	AUX
ajbmeb-1485	22	5	or	or	CCONJ
ajbmeb-1485	22	6	may	may	AUX
ajbmeb-1485	22	7	not	not	PART
ajbmeb-1485	22	8	be	be	AUX
ajbmeb-1485	22	9	technologically	technologically	ADV
ajbmeb-1485	22	10	consistent	consistent	ADJ
ajbmeb-1485	22	11	with	with	ADP
ajbmeb-1485	22	12	the	the	DET
ajbmeb-1485	22	13	concept	concept	NOUN
ajbmeb-1485	22	14	of	of	ADP
ajbmeb-1485	22	15	access	access	NOUN
ajbmeb-1485	22	16	.	.	PUNCT
ajbmeb-1485	23	1	any	any	DET
ajbmeb-1485	23	2	process	process	NOUN
ajbmeb-1485	23	3	is	be	AUX
ajbmeb-1485	23	4	one	one	NUM
ajbmeb-1485	23	5	or	or	CCONJ
ajbmeb-1485	23	6	more	more	ADJ
ajbmeb-1485	23	7	start	start	NOUN
ajbmeb-1485	23	8	(	(	PUNCT
ajbmeb-1485	23	9	input	input	NOUN
ajbmeb-1485	23	10	)	)	PUNCT
ajbmeb-1485	23	11	and	and	CCONJ
ajbmeb-1485	23	12	end	end	NOUN
ajbmeb-1485	23	13	(	(	PUNCT
ajbmeb-1485	23	14	output	output	NOUN
ajbmeb-1485	23	15	)	)	PUNCT
ajbmeb-1485	23	16	events	event	NOUN
ajbmeb-1485	23	17	observation	observation	NOUN
ajbmeb-1485	23	18	indicates	indicate	VERB
ajbmeb-1485	23	19	interruptions	interruption	NOUN
ajbmeb-1485	23	20	in	in	ADP
ajbmeb-1485	23	21	the	the	DET
ajbmeb-1485	23	22	system	system	NOUN
ajbmeb-1485	23	23	.	.	PUNCT
ajbmeb-1485	24	1	the	the	DET
ajbmeb-1485	24	2	correct	correct	ADJ
ajbmeb-1485	24	3	tariffing	tariffing	NOUN
ajbmeb-1485	24	4	of	of	ADP
ajbmeb-1485	24	5	input	input	NOUN
ajbmeb-1485	24	6	and	and	CCONJ
ajbmeb-1485	24	7	technological	technological	ADJ
ajbmeb-1485	24	8	products	product	NOUN
ajbmeb-1485	24	9	will	will	AUX
ajbmeb-1485	24	10	be	be	AUX
ajbmeb-1485	24	11	a	a	DET
ajbmeb-1485	24	12	factor	factor	NOUN
ajbmeb-1485	24	13	in	in	ADP
ajbmeb-1485	24	14	creating	create	VERB
ajbmeb-1485	24	15	a	a	DET
ajbmeb-1485	24	16	single	single	ADJ
ajbmeb-1485	24	17	system	system	NOUN
ajbmeb-1485	24	18	of	of	ADP
ajbmeb-1485	24	19	interconnected	interconnected	ADJ
ajbmeb-1485	24	20	business	business	NOUN
ajbmeb-1485	24	21	processes	process	NOUN
ajbmeb-1485	24	22	.	.	PUNCT
ajbmeb-1485	25	1	in	in	ADP
ajbmeb-1485	25	2	this	this	DET
ajbmeb-1485	25	3	regard	regard	NOUN
ajbmeb-1485	25	4	,	,	PUNCT
ajbmeb-1485	25	5	business	business	NOUN
ajbmeb-1485	25	6	processes	process	NOUN
ajbmeb-1485	25	7	in	in	ADP
ajbmeb-1485	25	8	insurance	insurance	NOUN
ajbmeb-1485	25	9	activities	activity	NOUN
ajbmeb-1485	25	10	are	be	AUX
ajbmeb-1485	25	11	stable	stable	ADJ
ajbmeb-1485	25	12	and	and	CCONJ
ajbmeb-1485	25	13	it	it	PRON
ajbmeb-1485	25	14	is	be	AUX
ajbmeb-1485	25	15	important	important	ADJ
ajbmeb-1485	25	16	to	to	PART
ajbmeb-1485	25	17	ensure	ensure	VERB
ajbmeb-1485	25	18	a	a	DET
ajbmeb-1485	25	19	dynamic	dynamic	ADJ
ajbmeb-1485	25	20	flow	flow	NOUN
ajbmeb-1485	25	21	.	.	PUNCT
ajbmeb-1485	26	1	the	the	DET
ajbmeb-1485	26	2	substantive	substantive	ADJ
ajbmeb-1485	26	3	priority	priority	NOUN
ajbmeb-1485	26	4	of	of	ADP
ajbmeb-1485	26	5	business	business	NOUN
ajbmeb-1485	26	6	processes	process	NOUN
ajbmeb-1485	26	7	in	in	ADP
ajbmeb-1485	26	8	insurance	insurance	NOUN
ajbmeb-1485	26	9	activities	activity	NOUN
ajbmeb-1485	26	10	over	over	ADP
ajbmeb-1485	26	11	other	other	ADJ
ajbmeb-1485	26	12	entities	entity	NOUN
ajbmeb-1485	26	13	of	of	ADP
ajbmeb-1485	26	14	the	the	DET
ajbmeb-1485	26	15	financial	financial	ADJ
ajbmeb-1485	26	16	services	service	NOUN
ajbmeb-1485	26	17	market	market	NOUN
ajbmeb-1485	26	18	is	be	AUX
ajbmeb-1485	26	19	explained	explain	VERB
ajbmeb-1485	26	20	by	by	ADP
ajbmeb-1485	26	21	the	the	DET
ajbmeb-1485	26	22	fact	fact	NOUN
ajbmeb-1485	26	23	that	that	SCONJ
ajbmeb-1485	26	24	the	the	DET
ajbmeb-1485	26	25	implementation	implementation	NOUN
ajbmeb-1485	26	26	of	of	ADP
ajbmeb-1485	26	27	these	these	DET
ajbmeb-1485	26	28	processes	process	NOUN
ajbmeb-1485	26	29	is	be	AUX
ajbmeb-1485	26	30	based	base	VERB
ajbmeb-1485	26	31	on	on	ADP
ajbmeb-1485	26	32	calculations	calculation	NOUN
ajbmeb-1485	26	33	that	that	PRON
ajbmeb-1485	26	34	determine	determine	VERB
ajbmeb-1485	26	35	the	the	DET
ajbmeb-1485	26	36	main	main	ADJ
ajbmeb-1485	26	37	parameters	parameter	NOUN
ajbmeb-1485	26	38	,	,	PUNCT
ajbmeb-1485	26	39	which	which	PRON
ajbmeb-1485	26	40	ultimately	ultimately	ADV
ajbmeb-1485	26	41	contributes	contribute	VERB
ajbmeb-1485	26	42	to	to	ADP
ajbmeb-1485	26	43	market	market	NOUN
ajbmeb-1485	26	44	requirements	requirement	NOUN
ajbmeb-1485	26	45	.	.	PUNCT
ajbmeb-1485	27	1	business	business	NOUN
ajbmeb-1485	27	2	process	process	NOUN
ajbmeb-1485	27	3	indicators	indicator	NOUN
ajbmeb-1485	27	4	are	be	AUX
ajbmeb-1485	27	5	,	,	PUNCT
ajbmeb-1485	27	6	in	in	ADP
ajbmeb-1485	27	7	a	a	DET
ajbmeb-1485	27	8	systematic	systematic	ADJ
ajbmeb-1485	27	9	way	way	NOUN
ajbmeb-1485	27	10	,	,	PUNCT
ajbmeb-1485	27	11	a	a	DET
ajbmeb-1485	27	12	set	set	NOUN
ajbmeb-1485	27	13	of	of	ADP
ajbmeb-1485	27	14	general	general	ADJ
ajbmeb-1485	27	15	quantities	quantity	NOUN
ajbmeb-1485	27	16	and	and	CCONJ
ajbmeb-1485	27	17	qualities	quality	NOUN
ajbmeb-1485	27	18	that	that	PRON
ajbmeb-1485	27	19	characterize	characterize	VERB
ajbmeb-1485	27	20	the	the	DET
ajbmeb-1485	27	21	outcome	outcome	NOUN
ajbmeb-1485	27	22	of	of	ADP
ajbmeb-1485	27	23	each	each	DET
ajbmeb-1485	27	24	process	process	NOUN
ajbmeb-1485	27	25	(	(	PUNCT
ajbmeb-1485	27	26	s	s	NOUN
ajbmeb-1485	27	27	)	)	PUNCT
ajbmeb-1485	27	28	.	.	PUNCT
ajbmeb-1485	28	1	the	the	DET
ajbmeb-1485	28	2	organizational	organizational	ADJ
ajbmeb-1485	28	3	structure	structure	NOUN
ajbmeb-1485	28	4	of	of	ADP
ajbmeb-1485	28	5	business	business	NOUN
ajbmeb-1485	28	6	processes	process	NOUN
ajbmeb-1485	28	7	in	in	ADP
ajbmeb-1485	28	8	insurance	insurance	NOUN
ajbmeb-1485	28	9	is	be	AUX
ajbmeb-1485	28	10	as	as	SCONJ
ajbmeb-1485	28	11	follows	follow	VERB
ajbmeb-1485	28	12	(	(	PUNCT
ajbmeb-1485	28	13	figure	figure	NOUN
ajbmeb-1485	28	14	1	1	NUM
ajbmeb-1485	28	15	):	):	PUNCT
ajbmeb-1485	28	16	a	a	X
ajbmeb-1485	28	17	)	)	PUNCT
ajbmeb-1485	28	18	according	accord	VERB
ajbmeb-1485	28	19	to	to	ADP
ajbmeb-1485	28	20	the	the	DET
ajbmeb-1485	28	21	hierarchy	hierarchy	NOUN
ajbmeb-1485	28	22	of	of	ADP
ajbmeb-1485	28	23	activities	activity	NOUN
ajbmeb-1485	28	24	:	:	PUNCT
ajbmeb-1485	28	25	individual	individual	ADJ
ajbmeb-1485	28	26	horizontal	horizontal	ADJ
ajbmeb-1485	28	27	processes	process	NOUN
ajbmeb-1485	28	28	(	(	PUNCT
ajbmeb-1485	28	29	separate	separate	ADJ
ajbmeb-1485	28	30	results	result	NOUN
ajbmeb-1485	28	31	of	of	ADP
ajbmeb-1485	28	32	activities	activity	NOUN
ajbmeb-1485	28	33	carried	carry	VERB
ajbmeb-1485	28	34	out	out	ADP
ajbmeb-1485	28	35	by	by	ADP
ajbmeb-1485	28	36	each	each	DET
ajbmeb-1485	28	37	division	division	NOUN
ajbmeb-1485	28	38	or	or	CCONJ
ajbmeb-1485	28	39	employee	employee	NOUN
ajbmeb-1485	28	40	of	of	ADP
ajbmeb-1485	28	41	a	a	DET
ajbmeb-1485	28	42	particular	particular	ADJ
ajbmeb-1485	28	43	division	division	NOUN
ajbmeb-1485	28	44	)	)	PUNCT
ajbmeb-1485	28	45	;	;	PUNCT
ajbmeb-1485	28	46	functional	functional	ADJ
ajbmeb-1485	28	47	horizontal	horizontal	ADJ
ajbmeb-1485	28	48	processes	process	NOUN
ajbmeb-1485	28	49	(	(	PUNCT
ajbmeb-1485	28	50	the	the	DET
ajbmeb-1485	28	51	result	result	NOUN
ajbmeb-1485	28	52	of	of	ADP
ajbmeb-1485	28	53	integrated	integrated	ADJ
ajbmeb-1485	28	54	generalized	generalized	ADJ
ajbmeb-1485	28	55	activities	activity	NOUN
ajbmeb-1485	28	56	of	of	ADP
ajbmeb-1485	28	57	organizational	organizational	ADJ
ajbmeb-1485	28	58	units	unit	NOUN
ajbmeb-1485	28	59	)	)	PUNCT
ajbmeb-1485	28	60	;	;	PUNCT
ajbmeb-1485	28	61	vertical	vertical	ADJ
ajbmeb-1485	28	62	processes	process	NOUN
ajbmeb-1485	28	63	(	(	PUNCT
ajbmeb-1485	28	64	the	the	DET
ajbmeb-1485	28	65	result	result	NOUN
ajbmeb-1485	28	66	of	of	ADP
ajbmeb-1485	28	67	activities	activity	NOUN
ajbmeb-1485	28	68	that	that	PRON
ajbmeb-1485	28	69	reflect	reflect	VERB
ajbmeb-1485	28	70	the	the	DET
ajbmeb-1485	28	71	interaction	interaction	NOUN
ajbmeb-1485	28	72	of	of	ADP
ajbmeb-1485	28	73	employees	employee	NOUN
ajbmeb-1485	28	74	(	(	PUNCT
ajbmeb-1485	28	75	units	unit	NOUN
ajbmeb-1485	28	76	of	of	ADP
ajbmeb-1485	28	77	the	the	DET
ajbmeb-1485	28	78	organization	organization	NOUN
ajbmeb-1485	28	79	)	)	PUNCT
ajbmeb-1485	28	80	)	)	PUNCT
ajbmeb-1485	28	81	;	;	PUNCT
ajbmeb-1485	28	82	integrated	integrate	VERB
ajbmeb-1485	28	83	processes	process	NOUN
ajbmeb-1485	28	84	(	(	PUNCT
ajbmeb-1485	28	85	results	result	NOUN
ajbmeb-1485	28	86	of	of	ADP
ajbmeb-1485	28	87	vertical	vertical	ADJ
ajbmeb-1485	28	88	and	and	CCONJ
ajbmeb-1485	28	89	horizontal	horizontal	ADJ
ajbmeb-1485	28	90	interaction	interaction	NOUN
ajbmeb-1485	28	91	of	of	ADP
ajbmeb-1485	28	92	subjects	subject	NOUN
ajbmeb-1485	28	93	)	)	PUNCT
ajbmeb-1485	28	94	.	.	PUNCT
ajbmeb-1485	29	1	b	b	X
ajbmeb-1485	29	2	)	)	PUNCT
ajbmeb-1485	29	3	according	accord	VERB
ajbmeb-1485	29	4	to	to	ADP
ajbmeb-1485	29	5	the	the	DET
ajbmeb-1485	29	6	level	level	NOUN
ajbmeb-1485	29	7	of	of	ADP
ajbmeb-1485	29	8	complexity	complexity	NOUN
ajbmeb-1485	29	9	of	of	ADP
ajbmeb-1485	29	10	activity	activity	NOUN
ajbmeb-1485	29	11	:	:	PUNCT
ajbmeb-1485	29	12	mono	mono	NOUN
ajbmeb-1485	29	13	processes	process	NOUN
ajbmeb-1485	29	14	;	;	PUNCT
ajbmeb-1485	29	15	-internal	-internal	ADJ
ajbmeb-1485	29	16	processes	process	NOUN
ajbmeb-1485	29	17	;	;	PUNCT
ajbmeb-1485	29	18	specific	specific	ADJ
ajbmeb-1485	29	19	processes	process	NOUN
ajbmeb-1485	29	20	.	.	PUNCT
ajbmeb-1485	30	1	c	c	X
ajbmeb-1485	30	2	)	)	PUNCT
ajbmeb-1485	30	3	according	accord	VERB
ajbmeb-1485	30	4	to	to	ADP
ajbmeb-1485	30	5	the	the	DET
ajbmeb-1485	30	6	purpose	purpose	NOUN
ajbmeb-1485	30	7	of	of	ADP
ajbmeb-1485	30	8	activity	activity	NOUN
ajbmeb-1485	30	9	:	:	PUNCT
ajbmeb-1485	30	10	basic	basic	ADJ
ajbmeb-1485	30	11	business	business	NOUN
ajbmeb-1485	30	12	processes	process	NOUN
ajbmeb-1485	30	13	;	;	PUNCT
ajbmeb-1485	30	14	specific	specific	ADJ
ajbmeb-1485	30	15	operational	operational	ADJ
ajbmeb-1485	30	16	processes	process	NOUN
ajbmeb-1485	30	17	(	(	PUNCT
ajbmeb-1485	30	18	product	product	NOUN
ajbmeb-1485	30	19	creation	creation	NOUN
ajbmeb-1485	30	20	and	and	CCONJ
ajbmeb-1485	30	21	delivery	delivery	NOUN
ajbmeb-1485	30	22	to	to	ADP
ajbmeb-1485	30	23	the	the	DET
ajbmeb-1485	30	24	customer	customer	NOUN
ajbmeb-1485	30	25	)	)	PUNCT
ajbmeb-1485	30	26	;	;	PUNCT
ajbmeb-1485	30	27	value	value	NOUN
ajbmeb-1485	30	28	creation	creation	NOUN
ajbmeb-1485	30	29	processes	process	NOUN
ajbmeb-1485	30	30	(	(	PUNCT
ajbmeb-1485	30	31	direct	direct	ADJ
ajbmeb-1485	30	32	impact	impact	NOUN
ajbmeb-1485	30	33	on	on	ADP
ajbmeb-1485	30	34	the	the	DET
ajbmeb-1485	30	35	product	product	NOUN
ajbmeb-1485	30	36	)	)	PUNCT
ajbmeb-1485	30	37	;	;	PUNCT
ajbmeb-1485	30	38	business	business	NOUN
ajbmeb-1485	30	39	support	support	NOUN
ajbmeb-1485	30	40	and	and	CCONJ
ajbmeb-1485	30	41	management	management	NOUN
ajbmeb-1485	30	42	processes	process	NOUN
ajbmeb-1485	30	43	.	.	PUNCT
ajbmeb-1485	31	1	g	g	NOUN
ajbmeb-1485	31	2	)	)	PUNCT
ajbmeb-1485	31	3	according	accord	VERB
ajbmeb-1485	31	4	to	to	ADP
ajbmeb-1485	31	5	their	their	PRON
ajbmeb-1485	31	6	place	place	NOUN
ajbmeb-1485	31	7	in	in	ADP
ajbmeb-1485	31	8	the	the	DET
ajbmeb-1485	31	9	hierarchy	hierarchy	NOUN
ajbmeb-1485	31	10	of	of	ADP
ajbmeb-1485	31	11	organizational	organizational	ADJ
ajbmeb-1485	31	12	goals	goal	NOUN
ajbmeb-1485	31	13	:	:	PUNCT
ajbmeb-1485	31	14	high	high	ADJ
ajbmeb-1485	31	15	-	-	PUNCT
ajbmeb-1485	31	16	level	level	NOUN
ajbmeb-1485	31	17	business	business	NOUN
ajbmeb-1485	31	18	processes	process	NOUN
ajbmeb-1485	31	19	(	(	PUNCT
ajbmeb-1485	31	20	realization	realization	NOUN
ajbmeb-1485	31	21	of	of	ADP
ajbmeb-1485	31	22	strategic	strategic	ADJ
ajbmeb-1485	31	23	goals	goal	NOUN
ajbmeb-1485	31	24	)	)	PUNCT
ajbmeb-1485	31	25	;	;	PUNCT
ajbmeb-1485	32	1	intermediate	intermediate	ADJ
ajbmeb-1485	32	2	business	business	NOUN
ajbmeb-1485	32	3	processes	process	NOUN
ajbmeb-1485	32	4	(	(	PUNCT
ajbmeb-1485	32	5	realization	realization	NOUN
ajbmeb-1485	32	6	of	of	ADP
ajbmeb-1485	32	7	tactical	tactical	ADJ
ajbmeb-1485	32	8	goals	goal	NOUN
ajbmeb-1485	32	9	)	)	PUNCT
ajbmeb-1485	32	10	;	;	PUNCT
ajbmeb-1485	32	11	american	american	PROPN
ajbmeb-1485	32	12	journal	journal	PROPN
ajbmeb-1485	32	13	of	of	ADP
ajbmeb-1485	32	14	business	business	NOUN
ajbmeb-1485	32	15	management	management	NOUN
ajbmeb-1485	32	16	,	,	PUNCT
ajbmeb-1485	32	17	economics	economic	NOUN
ajbmeb-1485	32	18	and	and	CCONJ
ajbmeb-1485	32	19	banking	banking	NOUN
ajbmeb-1485	32	20	volume	volume	NOUN
ajbmeb-1485	32	21	18	18	NUM
ajbmeb-1485	32	22	nov	nov	PROPN
ajbmeb-1485	32	23	.	.	PROPN
ajbmeb-1485	32	24	,	,	PUNCT
ajbmeb-1485	32	25	2023	2023	NUM
ajbmeb-1485	32	26	p	p	NOUN
ajbmeb-1485	32	27	a	a	DET
ajbmeb-1485	32	28	g	g	NOUN
ajbmeb-1485	32	29	e	e	NOUN
ajbmeb-1485	32	30	|	|	ADV
ajbmeb-1485	32	31	107	107	NUM
ajbmeb-1485	32	32	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1485	32	33	low	low	ADJ
ajbmeb-1485	32	34	-	-	PUNCT
ajbmeb-1485	32	35	level	level	NOUN
ajbmeb-1485	32	36	business	business	NOUN
ajbmeb-1485	32	37	processes	process	NOUN
ajbmeb-1485	32	38	(	(	PUNCT
ajbmeb-1485	32	39	realization	realization	NOUN
ajbmeb-1485	32	40	of	of	ADP
ajbmeb-1485	32	41	operational	operational	ADJ
ajbmeb-1485	32	42	goals	goal	NOUN
ajbmeb-1485	32	43	)	)	PUNCT
ajbmeb-1485	32	44	.	.	PUNCT
ajbmeb-1485	33	1	d	d	X
ajbmeb-1485	33	2	)	)	PUNCT
ajbmeb-1485	33	3	according	accord	VERB
ajbmeb-1485	33	4	to	to	ADP
ajbmeb-1485	33	5	the	the	DET
ajbmeb-1485	33	6	use	use	NOUN
ajbmeb-1485	33	7	of	of	ADP
ajbmeb-1485	33	8	the	the	DET
ajbmeb-1485	33	9	database	database	NOUN
ajbmeb-1485	33	10	:	:	PUNCT
ajbmeb-1485	33	11	related	relate	VERB
ajbmeb-1485	33	12	to	to	ADP
ajbmeb-1485	33	13	macro	macro	ADJ
ajbmeb-1485	33	14	processes	process	NOUN
ajbmeb-1485	33	15	;	;	PUNCT
ajbmeb-1485	34	1	business	business	NOUN
ajbmeb-1485	34	2	processes	process	NOUN
ajbmeb-1485	34	3	in	in	ADP
ajbmeb-1485	34	4	insurance	insurance	NOUN
ajbmeb-1485	34	5	activity	activity	NOUN
ajbmeb-1485	34	6	by	by	ADP
ajbmeb-1485	34	7	grounding	grounding	NOUN
ajbmeb-1485	34	8	and	and	CCONJ
ajbmeb-1485	34	9	components	component	NOUN
ajbmeb-1485	34	10	by	by	ADP
ajbmeb-1485	34	11	criteria	criterion	NOUN
ajbmeb-1485	34	12	criteria	criterion	NOUN
ajbmeb-1485	34	13	signs	sign	NOUN
ajbmeb-1485	34	14	processes	process	NOUN
ajbmeb-1485	34	15	by	by	ADP
ajbmeb-1485	34	16	hierarchy	hierarchy	NOUN
ajbmeb-1485	34	17	by	by	ADP
ajbmeb-1485	34	18	purpose	purpose	NOUN
ajbmeb-1485	34	19	in	in	ADP
ajbmeb-1485	34	20	accordance	accordance	NOUN
ajbmeb-1485	34	21	with	with	ADP
ajbmeb-1485	34	22	the	the	DET
ajbmeb-1485	34	23	goals	goal	NOUN
ajbmeb-1485	34	24	of	of	ADP
ajbmeb-1485	34	25	goals	goal	NOUN
ajbmeb-1485	34	26	by	by	ADP
ajbmeb-1485	34	27	the	the	DET
ajbmeb-1485	34	28	volume	volume	NOUN
ajbmeb-1485	34	29	of	of	ADP
ajbmeb-1485	34	30	data	datum	NOUN
ajbmeb-1485	34	31	according	accord	VERB
ajbmeb-1485	34	32	to	to	ADP
ajbmeb-1485	34	33	the	the	DET
ajbmeb-1485	34	34	level	level	NOUN
ajbmeb-1485	34	35	of	of	ADP
ajbmeb-1485	34	36	complexity	complexity	NOUN
ajbmeb-1485	34	37	individual	individual	ADJ
ajbmeb-1485	34	38	horizontal	horizontal	ADJ
ajbmeb-1485	34	39	processes	process	NOUN
ajbmeb-1485	34	40	basic	basic	ADJ
ajbmeb-1485	34	41	processes	process	NOUN
ajbmeb-1485	34	42	high	high	ADJ
ajbmeb-1485	34	43	-	-	PUNCT
ajbmeb-1485	34	44	level	level	NOUN
ajbmeb-1485	34	45	business	business	NOUN
ajbmeb-1485	34	46	processes	process	NOUN
ajbmeb-1485	34	47	macro	macro	NOUN
ajbmeb-1485	34	48	processes	process	VERB
ajbmeb-1485	34	49	mono	mono	NOUN
ajbmeb-1485	34	50	processes	process	NOUN
ajbmeb-1485	34	51	functional	functional	ADJ
ajbmeb-1485	34	52	horizontal	horizontal	ADJ
ajbmeb-1485	34	53	processes	process	NOUN
ajbmeb-1485	34	54	in	in	ADP
ajbmeb-1485	34	55	the	the	DET
ajbmeb-1485	34	56	cross	cross	NOUN
ajbmeb-1485	34	57	section	section	PROPN
ajbmeb-1485	34	58	precise	precise	ADJ
ajbmeb-1485	34	59	operation	operation	NOUN
ajbmeb-1485	34	60	processes	process	NOUN
ajbmeb-1485	34	61	intermediate	intermediate	ADJ
ajbmeb-1485	34	62	business	business	NOUN
ajbmeb-1485	34	63	processes	process	NOUN
ajbmeb-1485	34	64	intermediate	intermediate	ADJ
ajbmeb-1485	34	65	business	business	NOUN
ajbmeb-1485	34	66	processes	process	VERB
ajbmeb-1485	34	67	internal	internal	ADJ
ajbmeb-1485	34	68	processes	process	NOUN
ajbmeb-1485	34	69	vertical	vertical	ADJ
ajbmeb-1485	34	70	processes	process	NOUN
ajbmeb-1485	34	71	value	value	NOUN
ajbmeb-1485	34	72	creation	creation	NOUN
ajbmeb-1485	34	73	processes	process	VERB
ajbmeb-1485	34	74	low	low	ADJ
ajbmeb-1485	34	75	-	-	PUNCT
ajbmeb-1485	34	76	level	level	NOUN
ajbmeb-1485	34	77	business	business	NOUN
ajbmeb-1485	34	78	processes	process	NOUN
ajbmeb-1485	34	79	microprocesses	microprocesse	VERB
ajbmeb-1485	34	80	other	other	ADJ
ajbmeb-1485	34	81	specific	specific	ADJ
ajbmeb-1485	34	82	processes	process	NOUN
ajbmeb-1485	34	83	integrated	integrate	VERB
ajbmeb-1485	34	84	processes	process	NOUN
ajbmeb-1485	34	85	support	support	NOUN
ajbmeb-1485	34	86	processes	process	NOUN
ajbmeb-1485	34	87	management	management	NOUN
ajbmeb-1485	34	88	processes	process	NOUN
ajbmeb-1485	34	89	figure	figure	NOUN
ajbmeb-1485	34	90	1	1	NUM
ajbmeb-1485	34	91	.	.	PUNCT
ajbmeb-1485	34	92	grouping	grouping	NOUN
ajbmeb-1485	34	93	and	and	CCONJ
ajbmeb-1485	34	94	components	component	NOUN
ajbmeb-1485	34	95	of	of	ADP
ajbmeb-1485	34	96	business	business	NOUN
ajbmeb-1485	34	97	processes	process	NOUN
ajbmeb-1485	34	98	in	in	ADP
ajbmeb-1485	34	99	insurance	insurance	NOUN
ajbmeb-1485	34	100	activities	activity	NOUN
ajbmeb-1485	34	101	according	accord	VERB
ajbmeb-1485	34	102	to	to	ADP
ajbmeb-1485	34	103	criteria1	criteria1	NOUN
ajbmeb-1485	34	104	related	relate	VERB
ajbmeb-1485	34	105	to	to	ADP
ajbmeb-1485	34	106	medium	medium	ADJ
ajbmeb-1485	34	107	-	-	PUNCT
ajbmeb-1485	34	108	level	level	NOUN
ajbmeb-1485	34	109	business	business	NOUN
ajbmeb-1485	34	110	processes	process	NOUN
ajbmeb-1485	34	111	;	;	PUNCT
ajbmeb-1485	34	112	can	can	AUX
ajbmeb-1485	34	113	be	be	AUX
ajbmeb-1485	34	114	divided	divide	VERB
ajbmeb-1485	34	115	into	into	ADP
ajbmeb-1485	34	116	components	component	NOUN
ajbmeb-1485	34	117	related	relate	VERB
ajbmeb-1485	34	118	to	to	ADP
ajbmeb-1485	34	119	micro	micro	NOUN
ajbmeb-1485	34	120	-	-	NOUN
ajbmeb-1485	34	121	processes	process	NOUN
ajbmeb-1485	34	122	.	.	PUNCT
ajbmeb-1485	35	1	1developed	1develope	VERB
ajbmeb-1485	35	2	by	by	ADP
ajbmeb-1485	35	3	a	a	DET
ajbmeb-1485	35	4	researcher	researcher	NOUN
ajbmeb-1485	35	5	.	.	PUNCT
ajbmeb-1485	36	1	american	american	PROPN
ajbmeb-1485	36	2	journal	journal	PROPN
ajbmeb-1485	36	3	of	of	ADP
ajbmeb-1485	36	4	business	business	NOUN
ajbmeb-1485	36	5	management	management	NOUN
ajbmeb-1485	36	6	,	,	PUNCT
ajbmeb-1485	36	7	economics	economic	NOUN
ajbmeb-1485	36	8	and	and	CCONJ
ajbmeb-1485	36	9	banking	banking	NOUN
ajbmeb-1485	36	10	volume	volume	NOUN
ajbmeb-1485	36	11	18	18	NUM
ajbmeb-1485	36	12	nov	nov	PROPN
ajbmeb-1485	36	13	.	.	PROPN
ajbmeb-1485	36	14	,	,	PUNCT
ajbmeb-1485	36	15	2023	2023	NUM
ajbmeb-1485	36	16	p	p	NOUN
ajbmeb-1485	36	17	a	a	DET
ajbmeb-1485	36	18	g	g	NOUN
ajbmeb-1485	36	19	e	e	NOUN
ajbmeb-1485	36	20	|	|	NOUN
ajbmeb-1485	36	21	108	108	NUM
ajbmeb-1485	36	22	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1485	36	23	today	today	NOUN
ajbmeb-1485	36	24	in	in	ADP
ajbmeb-1485	36	25	insurance	insurance	NOUN
ajbmeb-1485	36	26	business	business	NOUN
ajbmeb-1485	36	27	there	there	PRON
ajbmeb-1485	36	28	is	be	VERB
ajbmeb-1485	36	29	a	a	DET
ajbmeb-1485	36	30	need	need	NOUN
ajbmeb-1485	36	31	to	to	PART
ajbmeb-1485	36	32	clarify	clarify	VERB
ajbmeb-1485	36	33	the	the	DET
ajbmeb-1485	36	34	nature	nature	NOUN
ajbmeb-1485	36	35	of	of	ADP
ajbmeb-1485	36	36	business	business	NOUN
ajbmeb-1485	36	37	process	process	NOUN
ajbmeb-1485	36	38	problems	problem	NOUN
ajbmeb-1485	36	39	and	and	CCONJ
ajbmeb-1485	36	40	develop	develop	VERB
ajbmeb-1485	36	41	solutions	solution	NOUN
ajbmeb-1485	36	42	,	,	PUNCT
ajbmeb-1485	36	43	in	in	ADP
ajbmeb-1485	36	44	particular	particular	ADJ
ajbmeb-1485	36	45	,	,	PUNCT
ajbmeb-1485	36	46	the	the	DET
ajbmeb-1485	36	47	priority	priority	NOUN
ajbmeb-1485	36	48	is	be	AUX
ajbmeb-1485	36	49	to	to	PART
ajbmeb-1485	36	50	adapt	adapt	VERB
ajbmeb-1485	36	51	business	business	NOUN
ajbmeb-1485	36	52	processes	process	NOUN
ajbmeb-1485	36	53	to	to	ADP
ajbmeb-1485	36	54	changes	change	NOUN
ajbmeb-1485	36	55	in	in	ADP
ajbmeb-1485	36	56	external	external	ADJ
ajbmeb-1485	36	57	and	and	CCONJ
ajbmeb-1485	36	58	internal	internal	ADJ
ajbmeb-1485	36	59	environmental	environmental	ADJ
ajbmeb-1485	36	60	parameters	parameter	NOUN
ajbmeb-1485	36	61	.	.	PUNCT
ajbmeb-1485	37	1	business	business	NOUN
ajbmeb-1485	37	2	processes	process	NOUN
ajbmeb-1485	37	3	in	in	ADP
ajbmeb-1485	37	4	insurance	insurance	NOUN
ajbmeb-1485	37	5	activities	activity	NOUN
ajbmeb-1485	37	6	are	be	AUX
ajbmeb-1485	37	7	directly	directly	ADV
ajbmeb-1485	37	8	related	relate	VERB
ajbmeb-1485	37	9	to	to	ADP
ajbmeb-1485	37	10	this	this	DET
ajbmeb-1485	37	11	activity	activity	NOUN
ajbmeb-1485	37	12	,	,	PUNCT
ajbmeb-1485	37	13	for	for	ADP
ajbmeb-1485	37	14	example	example	NOUN
ajbmeb-1485	37	15	,	,	PUNCT
ajbmeb-1485	37	16	the	the	DET
ajbmeb-1485	37	17	activities	activity	NOUN
ajbmeb-1485	37	18	of	of	ADP
ajbmeb-1485	37	19	professional	professional	ADJ
ajbmeb-1485	37	20	participants	participant	NOUN
ajbmeb-1485	37	21	in	in	ADP
ajbmeb-1485	37	22	the	the	DET
ajbmeb-1485	37	23	insurance	insurance	NOUN
ajbmeb-1485	37	24	market	market	NOUN
ajbmeb-1485	37	25	and	and	CCONJ
ajbmeb-1485	37	26	insurance	insurance	NOUN
ajbmeb-1485	37	27	intermediaries	intermediary	NOUN
ajbmeb-1485	37	28	,	,	PUNCT
ajbmeb-1485	37	29	the	the	DET
ajbmeb-1485	37	30	study	study	NOUN
ajbmeb-1485	37	31	of	of	ADP
ajbmeb-1485	37	32	the	the	DET
ajbmeb-1485	37	33	nature	nature	NOUN
ajbmeb-1485	37	34	of	of	ADP
ajbmeb-1485	37	35	entrepreneurship	entrepreneurship	NOUN
ajbmeb-1485	37	36	and	and	CCONJ
ajbmeb-1485	37	37	business	business	NOUN
ajbmeb-1485	37	38	,	,	PUNCT
ajbmeb-1485	37	39	and	and	CCONJ
ajbmeb-1485	37	40	other	other	ADJ
ajbmeb-1485	37	41	systematic	systematic	ADJ
ajbmeb-1485	37	42	measures	measure	NOUN
ajbmeb-1485	37	43	,	,	PUNCT
ajbmeb-1485	37	44	including	include	VERB
ajbmeb-1485	37	45	insurance	insurance	NOUN
ajbmeb-1485	37	46	contracts	contract	NOUN
ajbmeb-1485	37	47	,	,	PUNCT
ajbmeb-1485	37	48	risk	risk	NOUN
ajbmeb-1485	37	49	mitigation	mitigation	NOUN
ajbmeb-1485	37	50	warnings	warning	NOUN
ajbmeb-1485	37	51	,	,	PUNCT
ajbmeb-1485	37	52	etc	etc	X
ajbmeb-1485	37	53	.	.	X
ajbmeb-1485	38	1	it	it	PRON
ajbmeb-1485	38	2	includes	include	VERB
ajbmeb-1485	38	3	a	a	DET
ajbmeb-1485	38	4	wide	wide	ADJ
ajbmeb-1485	38	5	range	range	NOUN
ajbmeb-1485	38	6	of	of	ADP
ajbmeb-1485	38	7	activities	activity	NOUN
ajbmeb-1485	38	8	(	(	PUNCT
ajbmeb-1485	38	9	operations	operation	NOUN
ajbmeb-1485	38	10	)	)	PUNCT
ajbmeb-1485	38	11	,	,	PUNCT
ajbmeb-1485	38	12	such	such	ADJ
ajbmeb-1485	38	13	as	as	ADP
ajbmeb-1485	38	14	the	the	DET
ajbmeb-1485	38	15	formation	formation	NOUN
ajbmeb-1485	38	16	and	and	CCONJ
ajbmeb-1485	38	17	use	use	NOUN
ajbmeb-1485	38	18	of	of	ADP
ajbmeb-1485	38	19	trust	trust	NOUN
ajbmeb-1485	38	20	funds	fund	NOUN
ajbmeb-1485	38	21	,	,	PUNCT
ajbmeb-1485	38	22	which	which	PRON
ajbmeb-1485	38	23	are	be	AUX
ajbmeb-1485	38	24	directed	direct	VERB
ajbmeb-1485	38	25	to	to	ADP
ajbmeb-1485	38	26	the	the	DET
ajbmeb-1485	38	27	implementation	implementation	NOUN
ajbmeb-1485	38	28	of	of	ADP
ajbmeb-1485	38	29	complex	complex	ADJ
ajbmeb-1485	38	30	measures	measure	NOUN
ajbmeb-1485	38	31	,	,	PUNCT
ajbmeb-1485	38	32	the	the	DET
ajbmeb-1485	38	33	investment	investment	NOUN
ajbmeb-1485	38	34	of	of	ADP
ajbmeb-1485	38	35	idle	idle	ADJ
ajbmeb-1485	38	36	resources	resource	NOUN
ajbmeb-1485	38	37	.	.	PUNCT
ajbmeb-1485	39	1	in	in	ADP
ajbmeb-1485	39	2	insurance	insurance	NOUN
ajbmeb-1485	39	3	activities	activity	NOUN
ajbmeb-1485	39	4	,	,	PUNCT
ajbmeb-1485	39	5	business	business	NOUN
ajbmeb-1485	39	6	processes	process	NOUN
ajbmeb-1485	39	7	are	be	AUX
ajbmeb-1485	39	8	directly	directly	ADV
ajbmeb-1485	39	9	linked	link	VERB
ajbmeb-1485	39	10	to	to	ADP
ajbmeb-1485	39	11	the	the	DET
ajbmeb-1485	39	12	identification	identification	NOUN
ajbmeb-1485	39	13	,	,	PUNCT
ajbmeb-1485	39	14	assessment	assessment	NOUN
ajbmeb-1485	39	15	and	and	CCONJ
ajbmeb-1485	39	16	management	management	NOUN
ajbmeb-1485	39	17	of	of	ADP
ajbmeb-1485	39	18	risks	risk	NOUN
ajbmeb-1485	39	19	.	.	PUNCT
ajbmeb-1485	40	1	it	it	PRON
ajbmeb-1485	40	2	should	should	AUX
ajbmeb-1485	40	3	be	be	AUX
ajbmeb-1485	40	4	noted	note	VERB
ajbmeb-1485	40	5	that	that	SCONJ
ajbmeb-1485	40	6	the	the	DET
ajbmeb-1485	40	7	presence	presence	NOUN
ajbmeb-1485	40	8	of	of	ADP
ajbmeb-1485	40	9	risk	risk	NOUN
ajbmeb-1485	40	10	is	be	AUX
ajbmeb-1485	40	11	a	a	DET
ajbmeb-1485	40	12	prerequisite	prerequisite	NOUN
ajbmeb-1485	40	13	for	for	ADP
ajbmeb-1485	40	14	the	the	DET
ajbmeb-1485	40	15	insurance	insurance	NOUN
ajbmeb-1485	40	16	business	business	NOUN
ajbmeb-1485	40	17	.	.	PUNCT
ajbmeb-1485	41	1	the	the	DET
ajbmeb-1485	41	2	functions	function	NOUN
ajbmeb-1485	41	3	of	of	ADP
ajbmeb-1485	41	4	business	business	NOUN
ajbmeb-1485	41	5	processes	process	NOUN
ajbmeb-1485	41	6	in	in	ADP
ajbmeb-1485	41	7	insurance	insurance	NOUN
ajbmeb-1485	41	8	activities	activity	NOUN
ajbmeb-1485	41	9	are	be	AUX
ajbmeb-1485	41	10	as	as	SCONJ
ajbmeb-1485	41	11	follows	follow	VERB
ajbmeb-1485	41	12	(	(	PUNCT
ajbmeb-1485	41	13	figure	figure	NOUN
ajbmeb-1485	41	14	2	2	NUM
ajbmeb-1485	41	15	):	):	PUNCT
ajbmeb-1485	41	16	establishment	establishment	NOUN
ajbmeb-1485	41	17	of	of	ADP
ajbmeb-1485	41	18	an	an	DET
ajbmeb-1485	41	19	insurance	insurance	NOUN
ajbmeb-1485	41	20	fund	fund	NOUN
ajbmeb-1485	41	21	;	;	PUNCT
ajbmeb-1485	41	22	use	use	NOUN
ajbmeb-1485	41	23	of	of	ADP
ajbmeb-1485	41	24	the	the	DET
ajbmeb-1485	41	25	insurance	insurance	NOUN
ajbmeb-1485	41	26	fund	fund	NOUN
ajbmeb-1485	41	27	;	;	PUNCT
ajbmeb-1485	41	28	-investment	-investment	PROPN
ajbmeb-1485	41	29	;	;	PUNCT
ajbmeb-1485	41	30	carrying	carry	VERB
ajbmeb-1485	41	31	out	out	ADP
ajbmeb-1485	41	32	other	other	ADJ
ajbmeb-1485	41	33	activities	activity	NOUN
ajbmeb-1485	41	34	aimed	aim	VERB
ajbmeb-1485	41	35	at	at	ADP
ajbmeb-1485	41	36	earning	earn	VERB
ajbmeb-1485	41	37	income	income	NOUN
ajbmeb-1485	41	38	;	;	PUNCT
ajbmeb-1485	41	39	-monitoring	-monitoring	ADJ
ajbmeb-1485	41	40	and	and	CCONJ
ajbmeb-1485	41	41	control	control	NOUN
ajbmeb-1485	41	42	;	;	PUNCT
ajbmeb-1485	41	43	-reengineering	-reengineering	NOUN
ajbmeb-1485	41	44	(	(	PUNCT
ajbmeb-1485	41	45	restructuring	restructuring	NOUN
ajbmeb-1485	41	46	of	of	ADP
ajbmeb-1485	41	47	activities	activity	NOUN
ajbmeb-1485	41	48	)	)	PUNCT
ajbmeb-1485	41	49	.	.	PUNCT
ajbmeb-1485	42	1	the	the	DET
ajbmeb-1485	42	2	presence	presence	NOUN
ajbmeb-1485	42	3	of	of	ADP
ajbmeb-1485	42	4	these	these	DET
ajbmeb-1485	42	5	functions	function	NOUN
ajbmeb-1485	42	6	of	of	ADP
ajbmeb-1485	42	7	business	business	NOUN
ajbmeb-1485	42	8	processes	process	NOUN
ajbmeb-1485	42	9	in	in	ADP
ajbmeb-1485	42	10	insurance	insurance	NOUN
ajbmeb-1485	42	11	activity	activity	NOUN
ajbmeb-1485	42	12	means	mean	VERB
ajbmeb-1485	42	13	that	that	SCONJ
ajbmeb-1485	42	14	the	the	DET
ajbmeb-1485	42	15	scope	scope	NOUN
ajbmeb-1485	42	16	of	of	ADP
ajbmeb-1485	42	17	the	the	DET
ajbmeb-1485	42	18	research	research	NOUN
ajbmeb-1485	42	19	object	object	NOUN
ajbmeb-1485	42	20	is	be	AUX
ajbmeb-1485	42	21	extremely	extremely	ADV
ajbmeb-1485	42	22	wide	wide	ADJ
ajbmeb-1485	42	23	.	.	PUNCT
ajbmeb-1485	43	1	therefore	therefore	ADV
ajbmeb-1485	43	2	,	,	PUNCT
ajbmeb-1485	43	3	this	this	DET
ajbmeb-1485	43	4	study	study	NOUN
ajbmeb-1485	43	5	focused	focus	VERB
ajbmeb-1485	43	6	on	on	ADP
ajbmeb-1485	43	7	the	the	DET
ajbmeb-1485	43	8	structural	structural	ADJ
ajbmeb-1485	43	9	and	and	CCONJ
ajbmeb-1485	43	10	organizational	organizational	ADJ
ajbmeb-1485	43	11	aspects	aspect	NOUN
ajbmeb-1485	43	12	of	of	ADP
ajbmeb-1485	43	13	business	business	NOUN
ajbmeb-1485	43	14	processes	process	NOUN
ajbmeb-1485	43	15	and	and	CCONJ
ajbmeb-1485	43	16	improving	improve	VERB
ajbmeb-1485	43	17	their	their	PRON
ajbmeb-1485	43	18	management	management	NOUN
ajbmeb-1485	43	19	.	.	PUNCT
ajbmeb-1485	44	1	business	business	NOUN
ajbmeb-1485	44	2	processes	process	NOUN
ajbmeb-1485	44	3	in	in	ADP
ajbmeb-1485	44	4	insurance	insurance	NOUN
ajbmeb-1485	44	5	activity	activity	NOUN
ajbmeb-1485	44	6	are	be	AUX
ajbmeb-1485	44	7	a	a	DET
ajbmeb-1485	44	8	set	set	NOUN
ajbmeb-1485	44	9	of	of	ADP
ajbmeb-1485	44	10	interrelated	interrelated	ADJ
ajbmeb-1485	44	11	activities	activity	NOUN
ajbmeb-1485	44	12	(	(	PUNCT
ajbmeb-1485	44	13	operations	operation	NOUN
ajbmeb-1485	44	14	)	)	PUNCT
ajbmeb-1485	44	15	aimed	aim	VERB
ajbmeb-1485	44	16	at	at	ADP
ajbmeb-1485	44	17	the	the	DET
ajbmeb-1485	44	18	production	production	NOUN
ajbmeb-1485	44	19	of	of	ADP
ajbmeb-1485	44	20	insurance	insurance	NOUN
ajbmeb-1485	44	21	products	product	NOUN
ajbmeb-1485	44	22	or	or	CCONJ
ajbmeb-1485	44	23	the	the	DET
ajbmeb-1485	44	24	provision	provision	NOUN
ajbmeb-1485	44	25	of	of	ADP
ajbmeb-1485	44	26	insurance	insurance	NOUN
ajbmeb-1485	44	27	services	service	NOUN
ajbmeb-1485	44	28	.	.	PUNCT
ajbmeb-1485	45	1	the	the	DET
ajbmeb-1485	45	2	purpose	purpose	NOUN
ajbmeb-1485	45	3	of	of	ADP
ajbmeb-1485	45	4	managing	manage	VERB
ajbmeb-1485	45	5	these	these	DET
ajbmeb-1485	45	6	processes	process	NOUN
ajbmeb-1485	45	7	is	be	AUX
ajbmeb-1485	45	8	to	to	PART
ajbmeb-1485	45	9	ensure	ensure	VERB
ajbmeb-1485	45	10	quality	quality	NOUN
ajbmeb-1485	45	11	customer	customer	NOUN
ajbmeb-1485	45	12	service	service	NOUN
ajbmeb-1485	45	13	.	.	PUNCT
ajbmeb-1485	46	1	at	at	ADP
ajbmeb-1485	46	2	the	the	DET
ajbmeb-1485	46	3	same	same	ADJ
ajbmeb-1485	46	4	time	time	NOUN
ajbmeb-1485	46	5	,	,	PUNCT
ajbmeb-1485	46	6	the	the	DET
ajbmeb-1485	46	7	management	management	NOUN
ajbmeb-1485	46	8	of	of	ADP
ajbmeb-1485	46	9	these	these	DET
ajbmeb-1485	46	10	processes	process	NOUN
ajbmeb-1485	46	11	should	should	AUX
ajbmeb-1485	46	12	be	be	AUX
ajbmeb-1485	46	13	considered	consider	VERB
ajbmeb-1485	46	14	as	as	ADP
ajbmeb-1485	46	15	an	an	DET
ajbmeb-1485	46	16	interconnected	interconnected	ADJ
ajbmeb-1485	46	17	systemic	systemic	ADJ
ajbmeb-1485	46	18	relationship	relationship	NOUN
ajbmeb-1485	46	19	in	in	ADP
ajbmeb-1485	46	20	the	the	DET
ajbmeb-1485	46	21	integrity	integrity	NOUN
ajbmeb-1485	46	22	of	of	ADP
ajbmeb-1485	46	23	material	material	NOUN
ajbmeb-1485	46	24	,	,	PUNCT
ajbmeb-1485	46	25	financial	financial	ADJ
ajbmeb-1485	46	26	and	and	CCONJ
ajbmeb-1485	46	27	information	information	NOUN
ajbmeb-1485	46	28	flows	flow	VERB
ajbmeb-1485	46	29	.	.	PUNCT
ajbmeb-1485	47	1	a	a	DET
ajbmeb-1485	47	2	necessary	necessary	ADJ
ajbmeb-1485	47	3	condition	condition	NOUN
ajbmeb-1485	47	4	for	for	ADP
ajbmeb-1485	47	5	its	its	PRON
ajbmeb-1485	47	6	improvement	improvement	NOUN
ajbmeb-1485	47	7	is	be	AUX
ajbmeb-1485	47	8	to	to	PART
ajbmeb-1485	47	9	take	take	VERB
ajbmeb-1485	47	10	into	into	ADP
ajbmeb-1485	47	11	account	account	NOUN
ajbmeb-1485	47	12	the	the	DET
ajbmeb-1485	47	13	fact	fact	NOUN
ajbmeb-1485	47	14	that	that	SCONJ
ajbmeb-1485	47	15	the	the	DET
ajbmeb-1485	47	16	specifics	specific	NOUN
ajbmeb-1485	47	17	of	of	ADP
ajbmeb-1485	47	18	insurance	insurance	NOUN
ajbmeb-1485	47	19	activity	activity	NOUN
ajbmeb-1485	47	20	are	be	AUX
ajbmeb-1485	47	21	reflected	reflect	VERB
ajbmeb-1485	47	22	in	in	ADP
ajbmeb-1485	47	23	the	the	DET
ajbmeb-1485	47	24	implementation	implementation	NOUN
ajbmeb-1485	47	25	of	of	ADP
ajbmeb-1485	47	26	certain	certain	ADJ
ajbmeb-1485	47	27	individual	individual	ADJ
ajbmeb-1485	47	28	activities	activity	NOUN
ajbmeb-1485	47	29	(	(	PUNCT
ajbmeb-1485	47	30	operations	operation	NOUN
ajbmeb-1485	47	31	)	)	PUNCT
ajbmeb-1485	47	32	and	and	CCONJ
ajbmeb-1485	47	33	in	in	ADP
ajbmeb-1485	47	34	the	the	DET
ajbmeb-1485	47	35	integrated	integrate	VERB
ajbmeb-1485	47	36	system	system	NOUN
ajbmeb-1485	47	37	of	of	ADP
ajbmeb-1485	47	38	business	business	NOUN
ajbmeb-1485	47	39	processes	process	NOUN
ajbmeb-1485	47	40	.	.	PUNCT
ajbmeb-1485	48	1	business	business	NOUN
ajbmeb-1485	48	2	processes	process	NOUN
ajbmeb-1485	48	3	in	in	ADP
ajbmeb-1485	48	4	insurance	insurance	NOUN
ajbmeb-1485	48	5	activity	activity	NOUN
ajbmeb-1485	48	6	functions	function	NOUN
ajbmeb-1485	48	7	o	o	NOUN
ajbmeb-1485	48	8	r	r	NOUN
ajbmeb-1485	48	9	g	g	PROPN
ajbmeb-1485	48	10	a	a	DET
ajbmeb-1485	48	11	n	n	NOUN
ajbmeb-1485	48	12	iz	iz	ADP
ajbmeb-1485	48	13	a	a	DET
ajbmeb-1485	48	14	t	t	X
ajbmeb-1485	48	15	io	io	NOUN
ajbmeb-1485	48	16	n	n	ADP
ajbmeb-1485	48	17	o	o	X
ajbmeb-1485	48	18	f	f	PROPN
ajbmeb-1485	48	19	in	in	ADP
ajbmeb-1485	48	20	s	s	X
ajbmeb-1485	48	21	u	u	NOUN
ajbmeb-1485	48	22	r	r	NOUN
ajbmeb-1485	48	23	a	a	NOUN
ajbmeb-1485	48	24	n	n	NOUN
ajbmeb-1485	48	25	c	c	NOUN
ajbmeb-1485	48	26	e	e	X
ajbmeb-1485	48	27	f	f	PROPN
ajbmeb-1485	48	28	u	u	PROPN
ajbmeb-1485	48	29	n	n	PROPN
ajbmeb-1485	48	30	d	d	X
ajbmeb-1485	48	31	u	u	X
ajbmeb-1485	48	32	s	s	PROPN
ajbmeb-1485	48	33	e	e	NOUN
ajbmeb-1485	48	34	o	o	X
ajbmeb-1485	48	35	f	f	X
ajbmeb-1485	48	36	t	t	NOUN
ajbmeb-1485	48	37	h	h	NOUN
ajbmeb-1485	48	38	e	e	NOUN
ajbmeb-1485	48	39	in	in	ADP
ajbmeb-1485	48	40	s	s	X
ajbmeb-1485	48	41	u	u	NOUN
ajbmeb-1485	48	42	r	r	NOUN
ajbmeb-1485	48	43	a	a	NOUN
ajbmeb-1485	48	44	n	n	NOUN
ajbmeb-1485	48	45	c	c	NOUN
ajbmeb-1485	48	46	e	e	X
ajbmeb-1485	48	47	f	f	PROPN
ajbmeb-1485	48	48	u	u	PROPN
ajbmeb-1485	48	49	n	n	PROPN
ajbmeb-1485	48	50	d	d	PROPN
ajbmeb-1485	48	51	in	in	ADP
ajbmeb-1485	48	52	v	v	NUM
ajbmeb-1485	48	53	e	e	NOUN
ajbmeb-1485	48	54	s	s	PROPN
ajbmeb-1485	48	55	t	t	PROPN
ajbmeb-1485	48	56	m	m	PROPN
ajbmeb-1485	48	57	e	e	NOUN
ajbmeb-1485	48	58	n	n	NUM
ajbmeb-1485	48	59	t	t	NOUN
ajbmeb-1485	48	60	i	i	PRON
ajbmeb-1485	48	61	m	m	VERB
ajbmeb-1485	48	62	p	p	NOUN
ajbmeb-1485	48	63	l	l	NOUN
ajbmeb-1485	48	64	e	e	X
ajbmeb-1485	48	65	m	m	NOUN
ajbmeb-1485	48	66	e	e	NOUN
ajbmeb-1485	48	67	n	n	ADP
ajbmeb-1485	48	68	t	t	PROPN
ajbmeb-1485	48	69	in	in	ADP
ajbmeb-1485	48	70	g	g	PROPN
ajbmeb-1485	48	71	o	o	NOUN
ajbmeb-1485	48	72	t	t	NOUN
ajbmeb-1485	48	73	h	h	NOUN
ajbmeb-1485	49	1	e	e	NOUN
ajbmeb-1485	49	2	r	r	VERB
ajbmeb-1485	49	3	i	i	PRON
ajbmeb-1485	49	4	n	n	VERB
ajbmeb-1485	50	1	c	c	NOUN
ajbmeb-1485	50	2	o	o	NOUN
ajbmeb-1485	50	3	m	m	VERB
ajbmeb-1485	50	4	e	e	NOUN
ajbmeb-1485	50	5	a	a	DET
ajbmeb-1485	50	6	c	c	NOUN
ajbmeb-1485	50	7	t	t	NOUN
ajbmeb-1485	50	8	iv	iv	NUM
ajbmeb-1485	50	9	it	it	PRON
ajbmeb-1485	50	10	ie	ie	ADV
ajbmeb-1485	50	11	s	s	VERB
ajbmeb-1485	50	12	m	m	NOUN
ajbmeb-1485	50	13	o	o	NOUN
ajbmeb-1485	51	1	n	n	X
ajbmeb-1485	51	2	it	it	PRON
ajbmeb-1485	52	1	o	o	X
ajbmeb-1485	52	2	r	r	NOUN
ajbmeb-1485	52	3	a	a	DET
ajbmeb-1485	52	4	n	n	NOUN
ajbmeb-1485	53	1	d	d	NOUN
ajbmeb-1485	53	2	c	c	NOUN
ajbmeb-1485	53	3	o	o	NOUN
ajbmeb-1485	53	4	n	n	ADP
ajbmeb-1485	53	5	t	t	NOUN
ajbmeb-1485	53	6	r	r	NOUN
ajbmeb-1485	53	7	o	o	NOUN
ajbmeb-1485	53	8	l	l	NOUN
ajbmeb-1485	53	9	r	r	NOUN
ajbmeb-1485	53	10	e	e	NOUN
ajbmeb-1485	53	11	in	in	ADP
ajbmeb-1485	53	12	ji	ji	PROPN
ajbmeb-1485	53	13	n	n	PROPN
ajbmeb-1485	53	14	ir	ir	VERB
ajbmeb-1485	53	15	in	in	ADP
ajbmeb-1485	53	16	g	g	PROPN
ajbmeb-1485	53	17	figure	figure	NOUN
ajbmeb-1485	53	18	2	2	NUM
ajbmeb-1485	53	19	.	.	PUNCT
ajbmeb-1485	53	20	business	business	NOUN
ajbmeb-1485	53	21	processes	process	NOUN
ajbmeb-1485	53	22	in	in	ADP
ajbmeb-1485	53	23	insurance	insurance	NOUN
ajbmeb-1485	53	24	activities	activity	NOUN
ajbmeb-1485	53	25	functions	function	NOUN
ajbmeb-1485	53	26	2	2	NUM
ajbmeb-1485	53	27	2	2	NUM
ajbmeb-1485	53	28	developed	develop	VERB
ajbmeb-1485	53	29	by	by	ADP
ajbmeb-1485	53	30	a	a	DET
ajbmeb-1485	53	31	researcher	researcher	NOUN
ajbmeb-1485	53	32	.	.	PUNCT
ajbmeb-1485	54	1	american	american	PROPN
ajbmeb-1485	54	2	journal	journal	PROPN
ajbmeb-1485	54	3	of	of	ADP
ajbmeb-1485	54	4	business	business	NOUN
ajbmeb-1485	54	5	management	management	NOUN
ajbmeb-1485	54	6	,	,	PUNCT
ajbmeb-1485	54	7	economics	economic	NOUN
ajbmeb-1485	54	8	and	and	CCONJ
ajbmeb-1485	54	9	banking	banking	NOUN
ajbmeb-1485	54	10	volume	volume	NOUN
ajbmeb-1485	54	11	18	18	NUM
ajbmeb-1485	54	12	nov	nov	PROPN
ajbmeb-1485	54	13	.	.	PROPN
ajbmeb-1485	54	14	,	,	PUNCT
ajbmeb-1485	54	15	2023	2023	NUM
ajbmeb-1485	54	16	p	p	NOUN
ajbmeb-1485	54	17	a	a	DET
ajbmeb-1485	54	18	g	g	NOUN
ajbmeb-1485	54	19	e	e	NOUN
ajbmeb-1485	54	20	|	|	ADV
ajbmeb-1485	54	21	109	109	NUM
ajbmeb-1485	54	22	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1485	54	23	insurance	insurance	NOUN
ajbmeb-1485	54	24	business	business	NOUN
ajbmeb-1485	54	25	processes	process	NOUN
ajbmeb-1485	54	26	are	be	AUX
ajbmeb-1485	54	27	an	an	DET
ajbmeb-1485	54	28	interconnected	interconnected	ADJ
ajbmeb-1485	54	29	complex	complex	NOUN
ajbmeb-1485	54	30	aimed	aim	VERB
ajbmeb-1485	54	31	at	at	ADP
ajbmeb-1485	54	32	overcoming	overcome	VERB
ajbmeb-1485	54	33	the	the	DET
ajbmeb-1485	54	34	problems	problem	NOUN
ajbmeb-1485	54	35	that	that	PRON
ajbmeb-1485	54	36	arise	arise	VERB
ajbmeb-1485	54	37	in	in	ADP
ajbmeb-1485	54	38	the	the	DET
ajbmeb-1485	54	39	implementation	implementation	NOUN
ajbmeb-1485	54	40	of	of	ADP
ajbmeb-1485	54	41	a	a	DET
ajbmeb-1485	54	42	particular	particular	ADJ
ajbmeb-1485	54	43	activity	activity	NOUN
ajbmeb-1485	54	44	,	,	PUNCT
ajbmeb-1485	54	45	and	and	CCONJ
ajbmeb-1485	54	46	are	be	AUX
ajbmeb-1485	54	47	a	a	DET
ajbmeb-1485	54	48	coherent	coherent	ADJ
ajbmeb-1485	54	49	,	,	PUNCT
ajbmeb-1485	54	50	targeted	targeted	ADJ
ajbmeb-1485	54	51	and	and	CCONJ
ajbmeb-1485	54	52	regulated	regulated	ADJ
ajbmeb-1485	54	53	activity	activity	NOUN
ajbmeb-1485	54	54	consisting	consist	VERB
ajbmeb-1485	54	55	of	of	ADP
ajbmeb-1485	54	56	the	the	DET
ajbmeb-1485	54	57	entry	entry	NOUN
ajbmeb-1485	54	58	,	,	PUNCT
ajbmeb-1485	54	59	maintenance	maintenance	NOUN
ajbmeb-1485	54	60	and	and	CCONJ
ajbmeb-1485	54	61	exit	exit	NOUN
ajbmeb-1485	54	62	of	of	ADP
ajbmeb-1485	54	63	processes	process	NOUN
ajbmeb-1485	54	64	.	.	PUNCT
ajbmeb-1485	55	1	(	(	PUNCT
ajbmeb-1485	55	2	operations	operation	NOUN
ajbmeb-1485	55	3	)	)	PUNCT
ajbmeb-1485	55	4	system	system	NOUN
ajbmeb-1485	55	5	.	.	PUNCT
ajbmeb-1485	56	1	the	the	DET
ajbmeb-1485	56	2	processes	process	NOUN
ajbmeb-1485	56	3	of	of	ADP
ajbmeb-1485	56	4	development	development	NOUN
ajbmeb-1485	56	5	and	and	CCONJ
ajbmeb-1485	56	6	implementation	implementation	NOUN
ajbmeb-1485	56	7	of	of	ADP
ajbmeb-1485	56	8	insurance	insurance	NOUN
ajbmeb-1485	56	9	services	service	NOUN
ajbmeb-1485	56	10	(	(	PUNCT
ajbmeb-1485	56	11	products	product	NOUN
ajbmeb-1485	56	12	,	,	PUNCT
ajbmeb-1485	56	13	programs	program	NOUN
ajbmeb-1485	56	14	)	)	PUNCT
ajbmeb-1485	56	15	are	be	AUX
ajbmeb-1485	56	16	as	as	SCONJ
ajbmeb-1485	56	17	follows	follow	VERB
ajbmeb-1485	56	18	:	:	PUNCT
ajbmeb-1485	56	19	carrying	carry	VERB
ajbmeb-1485	56	20	out	out	ADP
ajbmeb-1485	56	21	marketing	marketing	NOUN
ajbmeb-1485	56	22	research	research	NOUN
ajbmeb-1485	56	23	based	base	VERB
ajbmeb-1485	56	24	on	on	ADP
ajbmeb-1485	56	25	demand	demand	NOUN
ajbmeb-1485	56	26	and	and	CCONJ
ajbmeb-1485	56	27	supply	supply	NOUN
ajbmeb-1485	56	28	;	;	PUNCT
ajbmeb-1485	56	29	-creation	-creation	NOUN
ajbmeb-1485	56	30	of	of	ADP
ajbmeb-1485	56	31	the	the	DET
ajbmeb-1485	56	32	product	product	NOUN
ajbmeb-1485	56	33	(	(	PUNCT
ajbmeb-1485	56	34	s	s	X
ajbmeb-1485	56	35	)	)	PUNCT
ajbmeb-1485	56	36	;	;	PUNCT
ajbmeb-1485	56	37	-development	-development	NOUN
ajbmeb-1485	56	38	of	of	ADP
ajbmeb-1485	56	39	action	action	NOUN
ajbmeb-1485	56	40	strategies	strategy	NOUN
ajbmeb-1485	56	41	and	and	CCONJ
ajbmeb-1485	56	42	tactics	tactic	NOUN
ajbmeb-1485	56	43	and	and	CCONJ
ajbmeb-1485	56	44	based	base	VERB
ajbmeb-1485	56	45	on	on	ADP
ajbmeb-1485	56	46	them	they	PRON
ajbmeb-1485	56	47	to	to	PART
ajbmeb-1485	56	48	make	make	VERB
ajbmeb-1485	56	49	certain	certain	ADJ
ajbmeb-1485	56	50	decisions	decision	NOUN
ajbmeb-1485	56	51	;	;	PUNCT
ajbmeb-1485	56	52	-monitoring	-monitore	VERB
ajbmeb-1485	56	53	and	and	CCONJ
ajbmeb-1485	56	54	control	control	NOUN
ajbmeb-1485	56	55	;	;	PUNCT
ajbmeb-1485	56	56	consists	consist	VERB
ajbmeb-1485	56	57	of	of	ADP
ajbmeb-1485	56	58	stages	stage	NOUN
ajbmeb-1485	56	59	such	such	ADJ
ajbmeb-1485	56	60	as	as	ADP
ajbmeb-1485	56	61	activity	activity	NOUN
ajbmeb-1485	56	62	reengineering	reengineering	NOUN
ajbmeb-1485	56	63	.	.	PUNCT
ajbmeb-1485	57	1	typically	typically	ADV
ajbmeb-1485	57	2	,	,	PUNCT
ajbmeb-1485	57	3	the	the	DET
ajbmeb-1485	57	4	following	follow	VERB
ajbmeb-1485	57	5	functional	functional	ADJ
ajbmeb-1485	57	6	business	business	NOUN
ajbmeb-1485	57	7	processes	process	NOUN
ajbmeb-1485	57	8	are	be	AUX
ajbmeb-1485	57	9	observed	observe	VERB
ajbmeb-1485	57	10	in	in	ADP
ajbmeb-1485	57	11	insurance	insurance	NOUN
ajbmeb-1485	57	12	activities	activity	NOUN
ajbmeb-1485	57	13	:	:	PUNCT
ajbmeb-1485	57	14	-basic	-basic	ADJ
ajbmeb-1485	57	15	(	(	PUNCT
ajbmeb-1485	57	16	strategic	strategic	ADJ
ajbmeb-1485	57	17	)	)	PUNCT
ajbmeb-1485	57	18	processes	process	NOUN
ajbmeb-1485	57	19	;	;	PUNCT
ajbmeb-1485	57	20	tactical	tactical	ADJ
ajbmeb-1485	57	21	processes	process	NOUN
ajbmeb-1485	57	22	;	;	PUNCT
ajbmeb-1485	57	23	-development	-development	ADJ
ajbmeb-1485	57	24	process	process	NOUN
ajbmeb-1485	57	25	;	;	PUNCT
ajbmeb-1485	57	26	-management	-management	ADJ
ajbmeb-1485	57	27	process	process	NOUN
ajbmeb-1485	57	28	.	.	PUNCT
ajbmeb-1485	58	1	the	the	DET
ajbmeb-1485	58	2	goal	goal	NOUN
ajbmeb-1485	58	3	of	of	ADP
ajbmeb-1485	58	4	any	any	DET
ajbmeb-1485	58	5	business	business	NOUN
ajbmeb-1485	58	6	process	process	NOUN
ajbmeb-1485	58	7	is	be	AUX
ajbmeb-1485	58	8	to	to	PART
ajbmeb-1485	58	9	meet	meet	VERB
ajbmeb-1485	58	10	customer	customer	NOUN
ajbmeb-1485	58	11	needs	need	NOUN
ajbmeb-1485	58	12	.	.	PUNCT
ajbmeb-1485	59	1	conversely	conversely	ADV
ajbmeb-1485	59	2	,	,	PUNCT
ajbmeb-1485	59	3	business	business	NOUN
ajbmeb-1485	59	4	processes	process	NOUN
ajbmeb-1485	59	5	can	can	AUX
ajbmeb-1485	59	6	not	not	PART
ajbmeb-1485	59	7	exist	exist	VERB
ajbmeb-1485	59	8	without	without	ADP
ajbmeb-1485	59	9	the	the	DET
ajbmeb-1485	59	10	presence	presence	NOUN
ajbmeb-1485	59	11	of	of	ADP
ajbmeb-1485	59	12	a	a	DET
ajbmeb-1485	59	13	customer	customer	NOUN
ajbmeb-1485	59	14	.	.	PUNCT
ajbmeb-1485	60	1	in	in	ADP
ajbmeb-1485	60	2	this	this	DET
ajbmeb-1485	60	3	case	case	NOUN
ajbmeb-1485	60	4	,	,	PUNCT
ajbmeb-1485	60	5	it	it	PRON
ajbmeb-1485	60	6	is	be	AUX
ajbmeb-1485	60	7	effective	effective	ADJ
ajbmeb-1485	60	8	that	that	SCONJ
ajbmeb-1485	60	9	the	the	DET
ajbmeb-1485	60	10	logical	logical	ADJ
ajbmeb-1485	60	11	sequence	sequence	NOUN
ajbmeb-1485	60	12	of	of	ADP
ajbmeb-1485	60	13	all	all	DET
ajbmeb-1485	60	14	systemic	systemic	ADJ
ajbmeb-1485	60	15	activities	activity	NOUN
ajbmeb-1485	60	16	(	(	PUNCT
ajbmeb-1485	60	17	operations	operation	NOUN
ajbmeb-1485	60	18	)	)	PUNCT
ajbmeb-1485	60	19	described	describe	VERB
ajbmeb-1485	60	20	in	in	ADP
ajbmeb-1485	60	21	business	business	NOUN
ajbmeb-1485	60	22	processes	process	NOUN
ajbmeb-1485	60	23	is	be	AUX
ajbmeb-1485	60	24	focused	focus	VERB
ajbmeb-1485	60	25	on	on	ADP
ajbmeb-1485	60	26	a	a	DET
ajbmeb-1485	60	27	specific	specific	ADJ
ajbmeb-1485	60	28	goal	goal	NOUN
ajbmeb-1485	60	29	in	in	ADP
ajbmeb-1485	60	30	the	the	DET
ajbmeb-1485	60	31	context	context	NOUN
ajbmeb-1485	60	32	of	of	ADP
ajbmeb-1485	60	33	a	a	DET
ajbmeb-1485	60	34	specific	specific	ADJ
ajbmeb-1485	60	35	industry	industry	NOUN
ajbmeb-1485	60	36	mission	mission	NOUN
ajbmeb-1485	60	37	.	.	PUNCT
ajbmeb-1485	61	1	however	however	ADV
ajbmeb-1485	61	2	,	,	PUNCT
ajbmeb-1485	61	3	it	it	PRON
ajbmeb-1485	61	4	should	should	AUX
ajbmeb-1485	61	5	be	be	AUX
ajbmeb-1485	61	6	noted	note	VERB
ajbmeb-1485	61	7	that	that	SCONJ
ajbmeb-1485	61	8	the	the	DET
ajbmeb-1485	61	9	fact	fact	NOUN
ajbmeb-1485	61	10	that	that	SCONJ
ajbmeb-1485	61	11	the	the	DET
ajbmeb-1485	61	12	processes	process	NOUN
ajbmeb-1485	61	13	of	of	ADP
ajbmeb-1485	61	14	any	any	DET
ajbmeb-1485	61	15	activity	activity	NOUN
ajbmeb-1485	61	16	(	(	PUNCT
ajbmeb-1485	61	17	operations	operation	NOUN
ajbmeb-1485	61	18	)	)	PUNCT
ajbmeb-1485	61	19	are	be	AUX
ajbmeb-1485	61	20	not	not	PART
ajbmeb-1485	61	21	perfect	perfect	ADJ
ajbmeb-1485	61	22	does	do	AUX
ajbmeb-1485	61	23	not	not	PART
ajbmeb-1485	61	24	lead	lead	VERB
ajbmeb-1485	61	25	to	to	ADP
ajbmeb-1485	61	26	the	the	DET
ajbmeb-1485	61	27	absolute	absolute	ADJ
ajbmeb-1485	61	28	expected	expected	ADJ
ajbmeb-1485	61	29	result	result	NOUN
ajbmeb-1485	61	30	.	.	PUNCT
ajbmeb-1485	62	1	therefore	therefore	ADV
ajbmeb-1485	62	2	,	,	PUNCT
ajbmeb-1485	62	3	adjustments	adjustment	NOUN
ajbmeb-1485	62	4	are	be	AUX
ajbmeb-1485	62	5	also	also	ADV
ajbmeb-1485	62	6	required	require	VERB
ajbmeb-1485	62	7	in	in	ADP
ajbmeb-1485	62	8	the	the	DET
ajbmeb-1485	62	9	implementation	implementation	NOUN
ajbmeb-1485	62	10	of	of	ADP
ajbmeb-1485	62	11	these	these	DET
ajbmeb-1485	62	12	processes	process	NOUN
ajbmeb-1485	62	13	.	.	PUNCT
ajbmeb-1485	63	1	of	of	ADP
ajbmeb-1485	63	2	course	course	NOUN
ajbmeb-1485	63	3	,	,	PUNCT
ajbmeb-1485	63	4	modernizing	modernize	VERB
ajbmeb-1485	63	5	business	business	NOUN
ajbmeb-1485	63	6	processes	process	NOUN
ajbmeb-1485	63	7	requires	require	VERB
ajbmeb-1485	63	8	certain	certain	ADJ
ajbmeb-1485	63	9	resources	resource	NOUN
ajbmeb-1485	63	10	.	.	PUNCT
ajbmeb-1485	64	1	insurance	insurance	NOUN
ajbmeb-1485	64	2	companies	company	NOUN
ajbmeb-1485	64	3	as	as	ADP
ajbmeb-1485	64	4	a	a	DET
ajbmeb-1485	64	5	business	business	NOUN
ajbmeb-1485	64	6	entity	entity	NOUN
ajbmeb-1485	64	7	,	,	PUNCT
ajbmeb-1485	64	8	carry	carry	VERB
ajbmeb-1485	64	9	out	out	ADP
ajbmeb-1485	64	10	insurance	insurance	NOUN
ajbmeb-1485	64	11	business	business	NOUN
ajbmeb-1485	64	12	processes	process	NOUN
ajbmeb-1485	64	13	in	in	ADP
ajbmeb-1485	64	14	risky	risky	ADJ
ajbmeb-1485	64	15	conditions	condition	NOUN
ajbmeb-1485	64	16	.	.	PUNCT
ajbmeb-1485	65	1	this	this	DET
ajbmeb-1485	65	2	evidence	evidence	NOUN
ajbmeb-1485	65	3	is	be	AUX
ajbmeb-1485	65	4	reflected	reflect	VERB
ajbmeb-1485	65	5	in	in	ADP
ajbmeb-1485	65	6	the	the	DET
ajbmeb-1485	65	7	fact	fact	NOUN
ajbmeb-1485	65	8	that	that	SCONJ
ajbmeb-1485	65	9	insurance	insurance	NOUN
ajbmeb-1485	65	10	activity	activity	NOUN
ajbmeb-1485	65	11	differs	differ	VERB
ajbmeb-1485	65	12	from	from	ADP
ajbmeb-1485	65	13	the	the	DET
ajbmeb-1485	65	14	activities	activity	NOUN
ajbmeb-1485	65	15	of	of	ADP
ajbmeb-1485	65	16	other	other	ADJ
ajbmeb-1485	65	17	sectors	sector	NOUN
ajbmeb-1485	65	18	of	of	ADP
ajbmeb-1485	65	19	the	the	DET
ajbmeb-1485	65	20	economy	economy	NOUN
ajbmeb-1485	65	21	and	and	CCONJ
ajbmeb-1485	65	22	the	the	DET
ajbmeb-1485	65	23	main	main	ADJ
ajbmeb-1485	65	24	results	result	NOUN
ajbmeb-1485	65	25	of	of	ADP
ajbmeb-1485	65	26	this	this	DET
ajbmeb-1485	65	27	activity	activity	NOUN
ajbmeb-1485	65	28	are	be	AUX
ajbmeb-1485	65	29	inextricably	inextricably	ADV
ajbmeb-1485	65	30	linked	link	VERB
ajbmeb-1485	65	31	with	with	ADP
ajbmeb-1485	65	32	the	the	DET
ajbmeb-1485	65	33	probability	probability	NOUN
ajbmeb-1485	65	34	of	of	ADP
ajbmeb-1485	65	35	occurrence	occurrence	NOUN
ajbmeb-1485	65	36	of	of	ADP
ajbmeb-1485	65	37	an	an	DET
ajbmeb-1485	65	38	event	event	NOUN
ajbmeb-1485	65	39	.	.	PUNCT
ajbmeb-1485	66	1	the	the	DET
ajbmeb-1485	66	2	economic	economic	ADJ
ajbmeb-1485	66	3	nature	nature	NOUN
ajbmeb-1485	66	4	of	of	ADP
ajbmeb-1485	66	5	insurance	insurance	NOUN
ajbmeb-1485	66	6	determines	determine	VERB
ajbmeb-1485	66	7	the	the	DET
ajbmeb-1485	66	8	characteristics	characteristic	NOUN
ajbmeb-1485	66	9	of	of	ADP
ajbmeb-1485	66	10	the	the	DET
ajbmeb-1485	66	11	business	business	NOUN
ajbmeb-1485	66	12	process	process	NOUN
ajbmeb-1485	66	13	system	system	NOUN
ajbmeb-1485	66	14	of	of	ADP
ajbmeb-1485	66	15	this	this	DET
ajbmeb-1485	66	16	activity	activity	NOUN
ajbmeb-1485	66	17	.	.	PUNCT
ajbmeb-1485	67	1	in	in	ADP
ajbmeb-1485	67	2	this	this	DET
ajbmeb-1485	67	3	sense	sense	NOUN
ajbmeb-1485	67	4	,	,	PUNCT
ajbmeb-1485	67	5	business	business	NOUN
ajbmeb-1485	67	6	processes	process	NOUN
ajbmeb-1485	67	7	are	be	AUX
ajbmeb-1485	67	8	necessary	necessary	ADJ
ajbmeb-1485	67	9	measures	measure	NOUN
ajbmeb-1485	67	10	that	that	PRON
ajbmeb-1485	67	11	effectively	effectively	ADV
ajbmeb-1485	67	12	reflect	reflect	VERB
ajbmeb-1485	67	13	the	the	DET
ajbmeb-1485	67	14	entry	entry	NOUN
ajbmeb-1485	67	15	point	point	NOUN
ajbmeb-1485	67	16	(	(	PUNCT
ajbmeb-1485	67	17	start	start	NOUN
ajbmeb-1485	67	18	of	of	ADP
ajbmeb-1485	67	19	processes	process	NOUN
ajbmeb-1485	67	20	)	)	PUNCT
ajbmeb-1485	67	21	and	and	CCONJ
ajbmeb-1485	67	22	the	the	DET
ajbmeb-1485	67	23	exit	exit	NOUN
ajbmeb-1485	67	24	point	point	NOUN
ajbmeb-1485	67	25	(	(	PUNCT
ajbmeb-1485	67	26	end	end	NOUN
ajbmeb-1485	67	27	result	result	NOUN
ajbmeb-1485	67	28	)	)	PUNCT
ajbmeb-1485	67	29	,	,	PUNCT
ajbmeb-1485	67	30	ie	ie	ADV
ajbmeb-1485	67	31	the	the	DET
ajbmeb-1485	67	32	end	end	NOUN
ajbmeb-1485	67	33	of	of	ADP
ajbmeb-1485	67	34	processes	process	NOUN
ajbmeb-1485	67	35	.	.	PUNCT
ajbmeb-1485	68	1	in	in	ADP
ajbmeb-1485	68	2	this	this	DET
ajbmeb-1485	68	3	case	case	NOUN
ajbmeb-1485	68	4	,	,	PUNCT
ajbmeb-1485	68	5	the	the	DET
ajbmeb-1485	68	6	results	result	NOUN
ajbmeb-1485	68	7	are	be	AUX
ajbmeb-1485	68	8	achieved	achieve	VERB
ajbmeb-1485	68	9	through	through	ADP
ajbmeb-1485	68	10	the	the	DET
ajbmeb-1485	68	11	quality	quality	NOUN
ajbmeb-1485	68	12	and	and	CCONJ
ajbmeb-1485	68	13	quantity	quantity	NOUN
ajbmeb-1485	68	14	of	of	ADP
ajbmeb-1485	68	15	resources	resource	NOUN
ajbmeb-1485	68	16	expended	expend	VERB
ajbmeb-1485	68	17	,	,	PUNCT
ajbmeb-1485	68	18	that	that	ADV
ajbmeb-1485	68	19	is	is	ADV
ajbmeb-1485	68	20	,	,	PUNCT
ajbmeb-1485	68	21	the	the	DET
ajbmeb-1485	68	22	processes	process	NOUN
ajbmeb-1485	68	23	involved	involve	VERB
ajbmeb-1485	68	24	in	in	ADP
ajbmeb-1485	68	25	the	the	DET
ajbmeb-1485	68	26	cross	cross	ADJ
ajbmeb-1485	68	27	-	-	ADJ
ajbmeb-1485	68	28	cutting	cutting	ADJ
ajbmeb-1485	68	29	functionality	functionality	NOUN
ajbmeb-1485	68	30	of	of	ADP
ajbmeb-1485	68	31	accounting	accounting	NOUN
ajbmeb-1485	68	32	,	,	PUNCT
ajbmeb-1485	68	33	control	control	NOUN
ajbmeb-1485	68	34	and	and	CCONJ
ajbmeb-1485	68	35	management	management	NOUN
ajbmeb-1485	68	36	,	,	PUNCT
ajbmeb-1485	68	37	which	which	PRON
ajbmeb-1485	68	38	contributes	contribute	VERB
ajbmeb-1485	68	39	to	to	ADP
ajbmeb-1485	68	40	the	the	DET
ajbmeb-1485	68	41	expected	expect	VERB
ajbmeb-1485	68	42	result	result	NOUN
ajbmeb-1485	68	43	of	of	ADP
ajbmeb-1485	68	44	the	the	DET
ajbmeb-1485	68	45	activities	activity	NOUN
ajbmeb-1485	68	46	(	(	PUNCT
ajbmeb-1485	68	47	operations	operation	NOUN
ajbmeb-1485	68	48	)	)	PUNCT
ajbmeb-1485	68	49	necessary	necessary	ADJ
ajbmeb-1485	68	50	to	to	PART
ajbmeb-1485	68	51	achieve	achieve	VERB
ajbmeb-1485	68	52	the	the	DET
ajbmeb-1485	68	53	specified	specified	ADJ
ajbmeb-1485	68	54	goal	goal	NOUN
ajbmeb-1485	68	55	(	(	PUNCT
ajbmeb-1485	68	56	s	s	NOUN
ajbmeb-1485	68	57	)	)	PUNCT
ajbmeb-1485	68	58	.	.	PUNCT
ajbmeb-1485	69	1	accordingly	accordingly	ADV
ajbmeb-1485	69	2	,	,	PUNCT
ajbmeb-1485	69	3	insurance	insurance	NOUN
ajbmeb-1485	69	4	business	business	NOUN
ajbmeb-1485	69	5	processes	process	NOUN
ajbmeb-1485	69	6	consist	consist	VERB
ajbmeb-1485	69	7	of	of	ADP
ajbmeb-1485	69	8	a	a	DET
ajbmeb-1485	69	9	number	number	NOUN
ajbmeb-1485	69	10	of	of	ADP
ajbmeb-1485	69	11	sub	sub	NOUN
ajbmeb-1485	69	12	-	-	NOUN
ajbmeb-1485	69	13	processes	process	NOUN
ajbmeb-1485	69	14	,	,	PUNCT
ajbmeb-1485	69	15	and	and	CCONJ
ajbmeb-1485	69	16	the	the	DET
ajbmeb-1485	69	17	performance	performance	NOUN
ajbmeb-1485	69	18	of	of	ADP
ajbmeb-1485	69	19	certain	certain	ADJ
ajbmeb-1485	69	20	functions	function	NOUN
ajbmeb-1485	69	21	,	,	PUNCT
ajbmeb-1485	69	22	each	each	PRON
ajbmeb-1485	69	23	of	of	ADP
ajbmeb-1485	69	24	which	which	PRON
ajbmeb-1485	69	25	is	be	AUX
ajbmeb-1485	69	26	a	a	DET
ajbmeb-1485	69	27	factor	factor	NOUN
ajbmeb-1485	69	28	in	in	ADP
ajbmeb-1485	69	29	achieving	achieve	VERB
ajbmeb-1485	69	30	tangible	tangible	ADJ
ajbmeb-1485	69	31	results	result	NOUN
ajbmeb-1485	69	32	.	.	PUNCT
ajbmeb-1485	70	1	in	in	ADP
ajbmeb-1485	70	2	this	this	DET
ajbmeb-1485	70	3	case	case	NOUN
ajbmeb-1485	70	4	,	,	PUNCT
ajbmeb-1485	70	5	the	the	DET
ajbmeb-1485	70	6	end	end	NOUN
ajbmeb-1485	70	7	result	result	NOUN
ajbmeb-1485	70	8	of	of	ADP
ajbmeb-1485	70	9	the	the	DET
ajbmeb-1485	70	10	processes	process	NOUN
ajbmeb-1485	70	11	may	may	AUX
ajbmeb-1485	70	12	differ	differ	VERB
ajbmeb-1485	70	13	/	/	PUNCT
ajbmeb-1485	70	14	not	not	PART
ajbmeb-1485	70	15	differ	differ	VERB
ajbmeb-1485	70	16	from	from	ADP
ajbmeb-1485	70	17	the	the	DET
ajbmeb-1485	70	18	expected	expect	VERB
ajbmeb-1485	70	19	.	.	PUNCT
ajbmeb-1485	71	1	in	in	ADP
ajbmeb-1485	71	2	particular	particular	ADJ
ajbmeb-1485	71	3	,	,	PUNCT
ajbmeb-1485	71	4	the	the	DET
ajbmeb-1485	71	5	achievement	achievement	NOUN
ajbmeb-1485	71	6	of	of	ADP
ajbmeb-1485	71	7	different	different	ADJ
ajbmeb-1485	71	8	results	result	NOUN
ajbmeb-1485	71	9	in	in	ADP
ajbmeb-1485	71	10	the	the	DET
ajbmeb-1485	71	11	functionality	functionality	NOUN
ajbmeb-1485	71	12	of	of	ADP
ajbmeb-1485	71	13	business	business	NOUN
ajbmeb-1485	71	14	processes	process	NOUN
ajbmeb-1485	71	15	is	be	AUX
ajbmeb-1485	71	16	explained	explain	VERB
ajbmeb-1485	71	17	by	by	ADP
ajbmeb-1485	71	18	the	the	DET
ajbmeb-1485	71	19	fact	fact	NOUN
ajbmeb-1485	71	20	that	that	SCONJ
ajbmeb-1485	71	21	they	they	PRON
ajbmeb-1485	71	22	are	be	AUX
ajbmeb-1485	71	23	exposed	expose	VERB
ajbmeb-1485	71	24	to	to	ADP
ajbmeb-1485	71	25	different	different	ADJ
ajbmeb-1485	71	26	risks	risk	NOUN
ajbmeb-1485	71	27	.	.	PUNCT
ajbmeb-1485	72	1	for	for	ADP
ajbmeb-1485	72	2	example	example	NOUN
ajbmeb-1485	72	3	,	,	PUNCT
ajbmeb-1485	72	4	such	such	DET
ajbmeb-1485	72	5	a	a	DET
ajbmeb-1485	72	6	source	source	NOUN
ajbmeb-1485	72	7	of	of	ADP
ajbmeb-1485	72	8	influence	influence	NOUN
ajbmeb-1485	72	9	may	may	AUX
ajbmeb-1485	72	10	have	have	AUX
ajbmeb-1485	72	11	occurred	occur	VERB
ajbmeb-1485	72	12	at	at	ADP
ajbmeb-1485	72	13	the	the	DET
ajbmeb-1485	72	14	expense	expense	NOUN
ajbmeb-1485	72	15	of	of	ADP
ajbmeb-1485	72	16	the	the	DET
ajbmeb-1485	72	17	external	external	ADJ
ajbmeb-1485	72	18	environment	environment	NOUN
ajbmeb-1485	72	19	.	.	PUNCT
ajbmeb-1485	73	1	the	the	DET
ajbmeb-1485	73	2	efficiency	efficiency	NOUN
ajbmeb-1485	73	3	of	of	ADP
ajbmeb-1485	73	4	business	business	NOUN
ajbmeb-1485	73	5	processes	process	NOUN
ajbmeb-1485	73	6	in	in	ADP
ajbmeb-1485	73	7	insurance	insurance	NOUN
ajbmeb-1485	73	8	activities	activity	NOUN
ajbmeb-1485	73	9	is	be	AUX
ajbmeb-1485	73	10	determined	determine	VERB
ajbmeb-1485	73	11	by	by	ADP
ajbmeb-1485	73	12	the	the	DET
ajbmeb-1485	73	13	degree	degree	NOUN
ajbmeb-1485	73	14	of	of	ADP
ajbmeb-1485	73	15	correlation	correlation	NOUN
ajbmeb-1485	73	16	between	between	ADP
ajbmeb-1485	73	17	the	the	DET
ajbmeb-1485	73	18	planned	plan	VERB
ajbmeb-1485	73	19	parameters	parameter	NOUN
ajbmeb-1485	73	20	and	and	CCONJ
ajbmeb-1485	73	21	the	the	DET
ajbmeb-1485	73	22	results	result	NOUN
ajbmeb-1485	73	23	obtained	obtain	VERB
ajbmeb-1485	73	24	.	.	PUNCT
ajbmeb-1485	74	1	it	it	PRON
ajbmeb-1485	74	2	is	be	AUX
ajbmeb-1485	74	3	advisable	advisable	ADJ
ajbmeb-1485	74	4	to	to	PART
ajbmeb-1485	74	5	determine	determine	VERB
ajbmeb-1485	74	6	the	the	DET
ajbmeb-1485	74	7	effectiveness	effectiveness	NOUN
ajbmeb-1485	74	8	of	of	ADP
ajbmeb-1485	74	9	financial	financial	ADJ
ajbmeb-1485	74	10	and	and	CCONJ
ajbmeb-1485	74	11	economic	economic	ADJ
ajbmeb-1485	74	12	activities	activity	NOUN
ajbmeb-1485	74	13	in	in	ADP
ajbmeb-1485	74	14	terms	term	NOUN
ajbmeb-1485	74	15	of	of	ADP
ajbmeb-1485	74	16	business	business	NOUN
ajbmeb-1485	74	17	processes	process	NOUN
ajbmeb-1485	74	18	.	.	PUNCT
ajbmeb-1485	75	1	american	american	ADJ
ajbmeb-1485	75	2	journal	journal	PROPN
ajbmeb-1485	75	3	of	of	ADP
ajbmeb-1485	75	4	business	business	NOUN
ajbmeb-1485	75	5	management	management	NOUN
ajbmeb-1485	75	6	,	,	PUNCT
ajbmeb-1485	75	7	economics	economic	NOUN
ajbmeb-1485	75	8	and	and	CCONJ
ajbmeb-1485	75	9	banking	banking	NOUN
ajbmeb-1485	75	10	volume	volume	NOUN
ajbmeb-1485	75	11	18	18	NUM
ajbmeb-1485	75	12	nov	nov	PROPN
ajbmeb-1485	75	13	.	.	PROPN
ajbmeb-1485	75	14	,	,	PUNCT
ajbmeb-1485	75	15	2023	2023	NUM
ajbmeb-1485	75	16	p	p	NOUN
ajbmeb-1485	75	17	a	a	DET
ajbmeb-1485	75	18	g	g	NOUN
ajbmeb-1485	75	19	e	e	NOUN
ajbmeb-1485	75	20	|	|	ADV
ajbmeb-1485	75	21	110	110	NUM
ajbmeb-1485	75	22	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1485	75	23	insurance	insurance	NOUN
ajbmeb-1485	75	24	activity	activity	NOUN
ajbmeb-1485	75	25	as	as	ADP
ajbmeb-1485	75	26	an	an	DET
ajbmeb-1485	75	27	integrated	integrated	ADJ
ajbmeb-1485	75	28	system	system	NOUN
ajbmeb-1485	75	29	of	of	ADP
ajbmeb-1485	75	30	a	a	DET
ajbmeb-1485	75	31	number	number	NOUN
ajbmeb-1485	75	32	of	of	ADP
ajbmeb-1485	75	33	interrelated	interrelated	ADJ
ajbmeb-1485	75	34	processes	process	NOUN
ajbmeb-1485	75	35	is	be	AUX
ajbmeb-1485	75	36	as	as	SCONJ
ajbmeb-1485	75	37	follows	follow	VERB
ajbmeb-1485	75	38	:	:	PUNCT
ajbmeb-1485	75	39	risk	risk	NOUN
ajbmeb-1485	75	40	transfer	transfer	NOUN
ajbmeb-1485	75	41	;	;	PUNCT
ajbmeb-1485	75	42	risk	risk	NOUN
ajbmeb-1485	75	43	transformation	transformation	NOUN
ajbmeb-1485	75	44	;	;	PUNCT
ajbmeb-1485	75	45	investment	investment	NOUN
ajbmeb-1485	75	46	;	;	PUNCT
ajbmeb-1485	75	47	in	in	ADP
ajbmeb-1485	75	48	other	other	ADJ
ajbmeb-1485	75	49	areas	area	NOUN
ajbmeb-1485	75	50	related	relate	VERB
ajbmeb-1485	75	51	to	to	ADP
ajbmeb-1485	75	52	the	the	DET
ajbmeb-1485	75	53	activity	activity	NOUN
ajbmeb-1485	75	54	.	.	PUNCT
ajbmeb-1485	76	1	the	the	DET
ajbmeb-1485	76	2	main	main	ADJ
ajbmeb-1485	76	3	business	business	NOUN
ajbmeb-1485	76	4	processes	process	NOUN
ajbmeb-1485	76	5	of	of	ADP
ajbmeb-1485	76	6	technological	technological	ADJ
ajbmeb-1485	76	7	insurance	insurance	NOUN
ajbmeb-1485	76	8	are	be	AUX
ajbmeb-1485	76	9	as	as	SCONJ
ajbmeb-1485	76	10	follows	follow	VERB
ajbmeb-1485	76	11	:	:	PUNCT
ajbmeb-1485	76	12	tariff	tariff	NOUN
ajbmeb-1485	76	13	policy	policy	NOUN
ajbmeb-1485	76	14	;	;	PUNCT
ajbmeb-1485	76	15	conclusion	conclusion	NOUN
ajbmeb-1485	76	16	,	,	PUNCT
ajbmeb-1485	76	17	execution	execution	NOUN
ajbmeb-1485	76	18	and	and	CCONJ
ajbmeb-1485	76	19	management	management	NOUN
ajbmeb-1485	76	20	of	of	ADP
ajbmeb-1485	76	21	insurance	insurance	NOUN
ajbmeb-1485	76	22	contracts	contract	NOUN
ajbmeb-1485	76	23	;	;	PUNCT
ajbmeb-1485	76	24	the	the	DET
ajbmeb-1485	76	25	calculation	calculation	NOUN
ajbmeb-1485	76	26	of	of	ADP
ajbmeb-1485	76	27	insurance	insurance	NOUN
ajbmeb-1485	76	28	reserves	reserve	NOUN
ajbmeb-1485	76	29	,	,	PUNCT
ajbmeb-1485	76	30	etc	etc	X
ajbmeb-1485	76	31	.	.	X
ajbmeb-1485	76	32	investment	investment	NOUN
ajbmeb-1485	76	33	activities	activity	NOUN
ajbmeb-1485	76	34	(	(	PUNCT
ajbmeb-1485	76	35	operations	operation	NOUN
ajbmeb-1485	76	36	)	)	PUNCT
ajbmeb-1485	76	37	of	of	ADP
ajbmeb-1485	76	38	insurance	insurance	NOUN
ajbmeb-1485	76	39	entities	entity	NOUN
ajbmeb-1485	76	40	are	be	AUX
ajbmeb-1485	76	41	processes	process	NOUN
ajbmeb-1485	76	42	that	that	PRON
ajbmeb-1485	76	43	are	be	AUX
ajbmeb-1485	76	44	associated	associate	VERB
ajbmeb-1485	76	45	with	with	ADP
ajbmeb-1485	76	46	its	its	PRON
ajbmeb-1485	76	47	objects	object	NOUN
ajbmeb-1485	76	48	and	and	CCONJ
ajbmeb-1485	76	49	are	be	AUX
ajbmeb-1485	76	50	a	a	DET
ajbmeb-1485	76	51	source	source	NOUN
ajbmeb-1485	76	52	of	of	ADP
ajbmeb-1485	76	53	additional	additional	ADJ
ajbmeb-1485	76	54	income	income	NOUN
ajbmeb-1485	76	55	through	through	ADP
ajbmeb-1485	76	56	direct	direct	ADJ
ajbmeb-1485	76	57	insurance	insurance	NOUN
ajbmeb-1485	76	58	reserves	reserve	NOUN
ajbmeb-1485	76	59	and	and	CCONJ
ajbmeb-1485	76	60	the	the	DET
ajbmeb-1485	76	61	effective	effective	ADJ
ajbmeb-1485	76	62	placement	placement	NOUN
ajbmeb-1485	76	63	of	of	ADP
ajbmeb-1485	76	64	their	their	PRON
ajbmeb-1485	76	65	funds	fund	NOUN
ajbmeb-1485	76	66	in	in	ADP
ajbmeb-1485	76	67	certain	certain	ADJ
ajbmeb-1485	76	68	areas	area	NOUN
ajbmeb-1485	76	69	.	.	PUNCT
ajbmeb-1485	77	1	such	such	ADJ
ajbmeb-1485	77	2	activities	activity	NOUN
ajbmeb-1485	77	3	also	also	ADV
ajbmeb-1485	77	4	require	require	VERB
ajbmeb-1485	77	5	risk	risk	NOUN
ajbmeb-1485	77	6	minimization	minimization	NOUN
ajbmeb-1485	77	7	.	.	PUNCT
ajbmeb-1485	78	1	reimbursement	reimbursement	NOUN
ajbmeb-1485	78	2	of	of	ADP
ajbmeb-1485	78	3	losses	loss	NOUN
ajbmeb-1485	78	4	(	(	PUNCT
ajbmeb-1485	78	5	losses	loss	NOUN
ajbmeb-1485	78	6	)	)	PUNCT
ajbmeb-1485	78	7	that	that	PRON
ajbmeb-1485	78	8	may	may	AUX
ajbmeb-1485	78	9	occur	occur	VERB
ajbmeb-1485	78	10	as	as	ADP
ajbmeb-1485	78	11	a	a	DET
ajbmeb-1485	78	12	result	result	NOUN
ajbmeb-1485	78	13	of	of	ADP
ajbmeb-1485	78	14	investment	investment	NOUN
ajbmeb-1485	78	15	risks	risk	NOUN
ajbmeb-1485	78	16	is	be	AUX
ajbmeb-1485	78	17	made	make	VERB
ajbmeb-1485	78	18	at	at	ADP
ajbmeb-1485	78	19	the	the	DET
ajbmeb-1485	78	20	expense	expense	NOUN
ajbmeb-1485	78	21	of	of	ADP
ajbmeb-1485	78	22	insurance	insurance	NOUN
ajbmeb-1485	78	23	reserves	reserve	NOUN
ajbmeb-1485	78	24	or	or	CCONJ
ajbmeb-1485	78	25	the	the	DET
ajbmeb-1485	78	26	insurer	insurer	NOUN
ajbmeb-1485	78	27	's	's	PART
ajbmeb-1485	78	28	own	own	ADJ
ajbmeb-1485	78	29	funds	fund	NOUN
ajbmeb-1485	78	30	.	.	PUNCT
ajbmeb-1485	79	1	investment	investment	NOUN
ajbmeb-1485	79	2	risks	risk	NOUN
ajbmeb-1485	79	3	can	can	AUX
ajbmeb-1485	79	4	also	also	ADV
ajbmeb-1485	79	5	be	be	AUX
ajbmeb-1485	79	6	observed	observe	VERB
ajbmeb-1485	79	7	due	due	ADJ
ajbmeb-1485	79	8	to	to	ADP
ajbmeb-1485	79	9	changes	change	NOUN
ajbmeb-1485	79	10	in	in	ADP
ajbmeb-1485	79	11	legislation	legislation	NOUN
ajbmeb-1485	79	12	,	,	PUNCT
ajbmeb-1485	79	13	market	market	NOUN
ajbmeb-1485	79	14	instability	instability	NOUN
ajbmeb-1485	79	15	,	,	PUNCT
ajbmeb-1485	79	16	credit	credit	NOUN
ajbmeb-1485	79	17	risk	risk	NOUN
ajbmeb-1485	79	18	.	.	PUNCT
ajbmeb-1485	80	1	the	the	DET
ajbmeb-1485	80	2	processes	process	NOUN
ajbmeb-1485	80	3	of	of	ADP
ajbmeb-1485	80	4	investment	investment	NOUN
ajbmeb-1485	80	5	risks	risk	NOUN
ajbmeb-1485	80	6	in	in	ADP
ajbmeb-1485	80	7	insurance	insurance	NOUN
ajbmeb-1485	80	8	activities	activity	NOUN
ajbmeb-1485	80	9	are	be	AUX
ajbmeb-1485	80	10	reflected	reflect	VERB
ajbmeb-1485	80	11	in	in	ADP
ajbmeb-1485	80	12	the	the	DET
ajbmeb-1485	80	13	accounting	accounting	NOUN
ajbmeb-1485	80	14	and	and	CCONJ
ajbmeb-1485	80	15	reporting	reporting	NOUN
ajbmeb-1485	80	16	system	system	NOUN
ajbmeb-1485	80	17	.	.	PUNCT
ajbmeb-1485	81	1	the	the	DET
ajbmeb-1485	81	2	formation	formation	NOUN
ajbmeb-1485	81	3	of	of	ADP
ajbmeb-1485	81	4	the	the	DET
ajbmeb-1485	81	5	insurance	insurance	NOUN
ajbmeb-1485	81	6	portfolio	portfolio	NOUN
ajbmeb-1485	81	7	,	,	PUNCT
ajbmeb-1485	81	8	reserve	reserve	NOUN
ajbmeb-1485	81	9	system	system	NOUN
ajbmeb-1485	81	10	and	and	CCONJ
ajbmeb-1485	81	11	financial	financial	ADJ
ajbmeb-1485	81	12	results	result	NOUN
ajbmeb-1485	81	13	in	in	ADP
ajbmeb-1485	81	14	the	the	DET
ajbmeb-1485	81	15	accounting	accounting	NOUN
ajbmeb-1485	81	16	system	system	NOUN
ajbmeb-1485	81	17	of	of	ADP
ajbmeb-1485	81	18	insurance	insurance	NOUN
ajbmeb-1485	81	19	activities	activity	NOUN
ajbmeb-1485	81	20	is	be	AUX
ajbmeb-1485	81	21	the	the	DET
ajbmeb-1485	81	22	basis	basis	NOUN
ajbmeb-1485	81	23	for	for	ADP
ajbmeb-1485	81	24	each	each	DET
ajbmeb-1485	81	25	risk	risk	NOUN
ajbmeb-1485	81	26	analysis	analysis	NOUN
ajbmeb-1485	81	27	of	of	ADP
ajbmeb-1485	81	28	the	the	DET
ajbmeb-1485	81	29	stages	stage	NOUN
ajbmeb-1485	81	30	of	of	ADP
ajbmeb-1485	81	31	the	the	DET
ajbmeb-1485	81	32	process	process	NOUN
ajbmeb-1485	81	33	.	.	PUNCT
ajbmeb-1485	82	1	in	in	ADP
ajbmeb-1485	82	2	particular	particular	ADJ
ajbmeb-1485	82	3	,	,	PUNCT
ajbmeb-1485	82	4	the	the	DET
ajbmeb-1485	82	5	processes	process	NOUN
ajbmeb-1485	82	6	of	of	ADP
ajbmeb-1485	82	7	formation	formation	NOUN
ajbmeb-1485	82	8	of	of	ADP
ajbmeb-1485	82	9	the	the	DET
ajbmeb-1485	82	10	insurance	insurance	NOUN
ajbmeb-1485	82	11	portfolio	portfolio	NOUN
ajbmeb-1485	82	12	include	include	VERB
ajbmeb-1485	82	13	tariff	tariff	NOUN
ajbmeb-1485	82	14	policy	policy	NOUN
ajbmeb-1485	82	15	,	,	PUNCT
ajbmeb-1485	82	16	collection	collection	NOUN
ajbmeb-1485	82	17	of	of	ADP
ajbmeb-1485	82	18	premiums	premium	NOUN
ajbmeb-1485	82	19	under	under	ADP
ajbmeb-1485	82	20	the	the	DET
ajbmeb-1485	82	21	insurance	insurance	NOUN
ajbmeb-1485	82	22	contract	contract	NOUN
ajbmeb-1485	82	23	,	,	PUNCT
ajbmeb-1485	82	24	as	as	ADV
ajbmeb-1485	82	25	well	well	ADV
ajbmeb-1485	82	26	as	as	ADP
ajbmeb-1485	82	27	reinsurance	reinsurance	NOUN
ajbmeb-1485	82	28	operations	operation	NOUN
ajbmeb-1485	82	29	.	.	PUNCT
ajbmeb-1485	83	1	the	the	DET
ajbmeb-1485	83	2	formation	formation	NOUN
ajbmeb-1485	83	3	of	of	ADP
ajbmeb-1485	83	4	the	the	DET
ajbmeb-1485	83	5	insurance	insurance	NOUN
ajbmeb-1485	83	6	portfolio	portfolio	NOUN
ajbmeb-1485	83	7	is	be	AUX
ajbmeb-1485	83	8	based	base	VERB
ajbmeb-1485	83	9	on	on	ADP
ajbmeb-1485	83	10	the	the	DET
ajbmeb-1485	83	11	collection	collection	NOUN
ajbmeb-1485	83	12	of	of	ADP
ajbmeb-1485	83	13	insurance	insurance	NOUN
ajbmeb-1485	83	14	,	,	PUNCT
ajbmeb-1485	83	15	mutual	mutual	ADJ
ajbmeb-1485	83	16	insurance	insurance	NOUN
ajbmeb-1485	83	17	and	and	CCONJ
ajbmeb-1485	83	18	reinsurance	reinsurance	NOUN
ajbmeb-1485	83	19	premiums	premium	NOUN
ajbmeb-1485	83	20	,	,	PUNCT
ajbmeb-1485	83	21	cash	cash	NOUN
ajbmeb-1485	83	22	flows	flow	NOUN
ajbmeb-1485	83	23	and	and	CCONJ
ajbmeb-1485	83	24	fund	fund	NOUN
ajbmeb-1485	83	25	accounts	account	NOUN
ajbmeb-1485	83	26	.	.	PUNCT
ajbmeb-1485	84	1	insurance	insurance	NOUN
ajbmeb-1485	84	2	tariffs	tariff	NOUN
ajbmeb-1485	84	3	can	can	AUX
ajbmeb-1485	84	4	be	be	AUX
ajbmeb-1485	84	5	significantly	significantly	ADV
ajbmeb-1485	84	6	differentiated	differentiate	VERB
ajbmeb-1485	84	7	and	and	CCONJ
ajbmeb-1485	84	8	stratified	stratify	VERB
ajbmeb-1485	84	9	due	due	ADP
ajbmeb-1485	84	10	to	to	ADP
ajbmeb-1485	84	11	the	the	DET
ajbmeb-1485	84	12	specific	specific	ADJ
ajbmeb-1485	84	13	characteristics	characteristic	NOUN
ajbmeb-1485	84	14	of	of	ADP
ajbmeb-1485	84	15	life	life	NOUN
ajbmeb-1485	84	16	insurance	insurance	NOUN
ajbmeb-1485	84	17	and	and	CCONJ
ajbmeb-1485	84	18	general	general	ADJ
ajbmeb-1485	84	19	insurance	insurance	NOUN
ajbmeb-1485	84	20	networks	network	NOUN
ajbmeb-1485	84	21	.	.	PUNCT
ajbmeb-1485	85	1	it	it	PRON
ajbmeb-1485	85	2	should	should	AUX
ajbmeb-1485	85	3	be	be	AUX
ajbmeb-1485	85	4	noted	note	VERB
ajbmeb-1485	85	5	that	that	SCONJ
ajbmeb-1485	85	6	in	in	ADP
ajbmeb-1485	85	7	order	order	NOUN
ajbmeb-1485	85	8	for	for	SCONJ
ajbmeb-1485	85	9	insurance	insurance	NOUN
ajbmeb-1485	85	10	tariffs	tariff	NOUN
ajbmeb-1485	85	11	to	to	PART
ajbmeb-1485	85	12	be	be	AUX
ajbmeb-1485	85	13	formed	form	VERB
ajbmeb-1485	85	14	in	in	ADP
ajbmeb-1485	85	15	the	the	DET
ajbmeb-1485	85	16	most	most	ADV
ajbmeb-1485	85	17	optimal	optimal	ADJ
ajbmeb-1485	85	18	way	way	NOUN
ajbmeb-1485	85	19	,	,	PUNCT
ajbmeb-1485	85	20	their	their	PRON
ajbmeb-1485	85	21	accounting	accounting	NOUN
ajbmeb-1485	85	22	system	system	NOUN
ajbmeb-1485	85	23	must	must	AUX
ajbmeb-1485	85	24	have	have	VERB
ajbmeb-1485	85	25	a	a	DET
ajbmeb-1485	85	26	quality	quality	NOUN
ajbmeb-1485	85	27	database	database	NOUN
ajbmeb-1485	85	28	.	.	PUNCT
ajbmeb-1485	86	1	insurance	insurance	NOUN
ajbmeb-1485	86	2	risk	risk	NOUN
ajbmeb-1485	86	3	management	management	NOUN
ajbmeb-1485	86	4	includes	include	VERB
ajbmeb-1485	86	5	processes	process	NOUN
ajbmeb-1485	86	6	such	such	ADJ
ajbmeb-1485	86	7	as	as	ADP
ajbmeb-1485	86	8	risk	risk	NOUN
ajbmeb-1485	86	9	identification	identification	NOUN
ajbmeb-1485	86	10	,	,	PUNCT
ajbmeb-1485	86	11	identification	identification	NOUN
ajbmeb-1485	86	12	,	,	PUNCT
ajbmeb-1485	86	13	assessment	assessment	NOUN
ajbmeb-1485	86	14	,	,	PUNCT
ajbmeb-1485	86	15	decision	decision	NOUN
ajbmeb-1485	86	16	-	-	PUNCT
ajbmeb-1485	86	17	making	making	NOUN
ajbmeb-1485	86	18	on	on	ADP
ajbmeb-1485	86	19	its	its	PRON
ajbmeb-1485	86	20	transfer	transfer	NOUN
ajbmeb-1485	86	21	,	,	PUNCT
ajbmeb-1485	86	22	determination	determination	NOUN
ajbmeb-1485	86	23	of	of	ADP
ajbmeb-1485	86	24	contract	contract	NOUN
ajbmeb-1485	86	25	terms	term	NOUN
ajbmeb-1485	86	26	,	,	PUNCT
ajbmeb-1485	86	27	insurance	insurance	NOUN
ajbmeb-1485	86	28	coding	coding	NOUN
ajbmeb-1485	86	29	.	.	PUNCT
ajbmeb-1485	87	1	in	in	ADP
ajbmeb-1485	87	2	insurance	insurance	NOUN
ajbmeb-1485	87	3	business	business	NOUN
ajbmeb-1485	87	4	,	,	PUNCT
ajbmeb-1485	87	5	business	business	NOUN
ajbmeb-1485	87	6	processes	process	NOUN
ajbmeb-1485	87	7	in	in	ADP
ajbmeb-1485	87	8	a	a	DET
ajbmeb-1485	87	9	complex	complex	ADJ
ajbmeb-1485	87	10	and	and	CCONJ
ajbmeb-1485	87	11	functional	functional	ADJ
ajbmeb-1485	87	12	way	way	NOUN
ajbmeb-1485	87	13	consist	consist	NOUN
ajbmeb-1485	87	14	of	of	ADP
ajbmeb-1485	87	15	the	the	DET
ajbmeb-1485	87	16	provision	provision	NOUN
ajbmeb-1485	87	17	of	of	ADP
ajbmeb-1485	87	18	insurance	insurance	NOUN
ajbmeb-1485	87	19	services	service	NOUN
ajbmeb-1485	87	20	that	that	PRON
ajbmeb-1485	87	21	meet	meet	VERB
ajbmeb-1485	87	22	the	the	DET
ajbmeb-1485	87	23	needs	need	NOUN
ajbmeb-1485	87	24	of	of	ADP
ajbmeb-1485	87	25	the	the	DET
ajbmeb-1485	87	26	client	client	NOUN
ajbmeb-1485	87	27	,	,	PUNCT
ajbmeb-1485	87	28	the	the	DET
ajbmeb-1485	87	29	execution	execution	NOUN
ajbmeb-1485	87	30	and	and	CCONJ
ajbmeb-1485	87	31	maintenance	maintenance	NOUN
ajbmeb-1485	87	32	of	of	ADP
ajbmeb-1485	87	33	contracts	contract	NOUN
ajbmeb-1485	87	34	,	,	PUNCT
ajbmeb-1485	87	35	underwriting	underwriting	NOUN
ajbmeb-1485	87	36	,	,	PUNCT
ajbmeb-1485	87	37	expansion	expansion	NOUN
ajbmeb-1485	87	38	of	of	ADP
ajbmeb-1485	87	39	services	service	NOUN
ajbmeb-1485	87	40	,	,	PUNCT
ajbmeb-1485	87	41	the	the	DET
ajbmeb-1485	87	42	provision	provision	NOUN
ajbmeb-1485	87	43	of	of	ADP
ajbmeb-1485	87	44	claims	claim	NOUN
ajbmeb-1485	87	45	.	.	PUNCT
ajbmeb-1485	88	1	in	in	ADP
ajbmeb-1485	88	2	practice	practice	NOUN
ajbmeb-1485	88	3	,	,	PUNCT
ajbmeb-1485	88	4	these	these	DET
ajbmeb-1485	88	5	business	business	NOUN
ajbmeb-1485	88	6	processes	process	NOUN
ajbmeb-1485	88	7	are	be	AUX
ajbmeb-1485	88	8	constantly	constantly	ADV
ajbmeb-1485	88	9	repeated	repeat	VERB
ajbmeb-1485	88	10	.	.	PUNCT
ajbmeb-1485	89	1	as	as	ADP
ajbmeb-1485	89	2	an	an	DET
ajbmeb-1485	89	3	entity	entity	NOUN
ajbmeb-1485	89	4	of	of	ADP
ajbmeb-1485	89	5	business	business	NOUN
ajbmeb-1485	89	6	processes	process	NOUN
ajbmeb-1485	89	7	,	,	PUNCT
ajbmeb-1485	89	8	an	an	DET
ajbmeb-1485	89	9	insurance	insurance	NOUN
ajbmeb-1485	89	10	company	company	NOUN
ajbmeb-1485	89	11	often	often	ADV
ajbmeb-1485	89	12	faces	face	VERB
ajbmeb-1485	89	13	internal	internal	ADJ
ajbmeb-1485	89	14	organizational	organizational	ADJ
ajbmeb-1485	89	15	and	and	CCONJ
ajbmeb-1485	89	16	technological	technological	ADJ
ajbmeb-1485	89	17	challenges	challenge	NOUN
ajbmeb-1485	89	18	that	that	PRON
ajbmeb-1485	89	19	reduce	reduce	VERB
ajbmeb-1485	89	20	efficiency	efficiency	NOUN
ajbmeb-1485	89	21	:	:	PUNCT
ajbmeb-1485	89	22	unreasonable	unreasonable	ADJ
ajbmeb-1485	89	23	periodicity	periodicity	NOUN
ajbmeb-1485	89	24	of	of	ADP
ajbmeb-1485	89	25	the	the	DET
ajbmeb-1485	89	26	decision	decision	NOUN
ajbmeb-1485	89	27	-	-	PUNCT
ajbmeb-1485	89	28	making	make	VERB
ajbmeb-1485	89	29	process	process	NOUN
ajbmeb-1485	89	30	;	;	PUNCT
ajbmeb-1485	90	1	incompatibility	incompatibility	NOUN
ajbmeb-1485	90	2	of	of	ADP
ajbmeb-1485	90	3	the	the	DET
ajbmeb-1485	90	4	organizational	organizational	ADJ
ajbmeb-1485	90	5	structure	structure	NOUN
ajbmeb-1485	90	6	with	with	ADP
ajbmeb-1485	90	7	business	business	NOUN
ajbmeb-1485	90	8	processes	process	NOUN
ajbmeb-1485	90	9	;	;	PUNCT
ajbmeb-1485	90	10	non	non	ADJ
ajbmeb-1485	90	11	-	-	NOUN
ajbmeb-1485	90	12	transparency	transparency	NOUN
ajbmeb-1485	90	13	of	of	ADP
ajbmeb-1485	90	14	business	business	NOUN
ajbmeb-1485	90	15	process	process	NOUN
ajbmeb-1485	90	16	functions	function	NOUN
ajbmeb-1485	90	17	for	for	ADP
ajbmeb-1485	90	18	managers	manager	NOUN
ajbmeb-1485	90	19	and	and	CCONJ
ajbmeb-1485	90	20	executors	executor	NOUN
ajbmeb-1485	90	21	;	;	PUNCT
ajbmeb-1485	90	22	normative	normative	ADJ
ajbmeb-1485	90	23	documents	document	NOUN
ajbmeb-1485	90	24	,	,	PUNCT
ajbmeb-1485	90	25	instructions	instruction	NOUN
ajbmeb-1485	90	26	and	and	CCONJ
ajbmeb-1485	90	27	rules	rule	NOUN
ajbmeb-1485	90	28	are	be	AUX
ajbmeb-1485	90	29	not	not	PART
ajbmeb-1485	90	30	developed	develop	VERB
ajbmeb-1485	90	31	at	at	ADP
ajbmeb-1485	90	32	the	the	DET
ajbmeb-1485	90	33	required	required	ADJ
ajbmeb-1485	90	34	level	level	NOUN
ajbmeb-1485	90	35	;	;	PUNCT
ajbmeb-1485	90	36	duplication	duplication	NOUN
ajbmeb-1485	90	37	of	of	ADP
ajbmeb-1485	90	38	control	control	NOUN
ajbmeb-1485	90	39	system	system	NOUN
ajbmeb-1485	90	40	components	component	NOUN
ajbmeb-1485	90	41	in	in	ADP
ajbmeb-1485	90	42	terms	term	NOUN
ajbmeb-1485	90	43	of	of	ADP
ajbmeb-1485	90	44	functions	function	NOUN
ajbmeb-1485	90	45	;	;	PUNCT
ajbmeb-1485	90	46	lack	lack	NOUN
ajbmeb-1485	90	47	of	of	ADP
ajbmeb-1485	90	48	management	management	NOUN
ajbmeb-1485	90	49	skills	skill	NOUN
ajbmeb-1485	90	50	.	.	PUNCT
ajbmeb-1485	91	1	these	these	DET
ajbmeb-1485	91	2	problems	problem	NOUN
ajbmeb-1485	91	3	make	make	VERB
ajbmeb-1485	91	4	it	it	PRON
ajbmeb-1485	91	5	necessary	necessary	ADJ
ajbmeb-1485	91	6	to	to	PART
ajbmeb-1485	91	7	modernize	modernize	VERB
ajbmeb-1485	91	8	the	the	DET
ajbmeb-1485	91	9	insurance	insurance	NOUN
ajbmeb-1485	91	10	business	business	NOUN
ajbmeb-1485	91	11	due	due	ADP
ajbmeb-1485	91	12	to	to	ADP
ajbmeb-1485	91	13	the	the	DET
ajbmeb-1485	91	14	special	special	ADJ
ajbmeb-1485	91	15	importance	importance	NOUN
ajbmeb-1485	91	16	of	of	ADP
ajbmeb-1485	91	17	internal	internal	ADJ
ajbmeb-1485	91	18	business	business	NOUN
ajbmeb-1485	91	19	processes	process	NOUN
ajbmeb-1485	91	20	.	.	PUNCT
ajbmeb-1485	92	1	an	an	DET
ajbmeb-1485	92	2	important	important	ADJ
ajbmeb-1485	92	3	factor	factor	NOUN
ajbmeb-1485	92	4	in	in	ADP
ajbmeb-1485	92	5	ensuring	ensure	VERB
ajbmeb-1485	92	6	the	the	DET
ajbmeb-1485	92	7	financial	financial	ADJ
ajbmeb-1485	92	8	stability	stability	NOUN
ajbmeb-1485	92	9	of	of	ADP
ajbmeb-1485	92	10	an	an	DET
ajbmeb-1485	92	11	insurance	insurance	NOUN
ajbmeb-1485	92	12	american	american	ADJ
ajbmeb-1485	92	13	journal	journal	PROPN
ajbmeb-1485	92	14	of	of	ADP
ajbmeb-1485	92	15	business	business	NOUN
ajbmeb-1485	92	16	management	management	NOUN
ajbmeb-1485	92	17	,	,	PUNCT
ajbmeb-1485	92	18	economics	economic	NOUN
ajbmeb-1485	92	19	and	and	CCONJ
ajbmeb-1485	92	20	banking	banking	NOUN
ajbmeb-1485	92	21	volume	volume	NOUN
ajbmeb-1485	92	22	18	18	NUM
ajbmeb-1485	92	23	nov	nov	PROPN
ajbmeb-1485	92	24	.	.	PROPN
ajbmeb-1485	92	25	,	,	PUNCT
ajbmeb-1485	92	26	2023	2023	NUM
ajbmeb-1485	92	27	p	p	NOUN
ajbmeb-1485	92	28	a	a	DET
ajbmeb-1485	92	29	g	g	NOUN
ajbmeb-1485	92	30	e	e	NOUN
ajbmeb-1485	92	31	|	|	ADV
ajbmeb-1485	92	32	111	111	NUM
ajbmeb-1485	92	33	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1485	92	34	company	company	NOUN
ajbmeb-1485	92	35	is	be	AUX
ajbmeb-1485	92	36	the	the	DET
ajbmeb-1485	92	37	achievement	achievement	NOUN
ajbmeb-1485	92	38	of	of	ADP
ajbmeb-1485	92	39	its	its	PRON
ajbmeb-1485	92	40	own	own	ADJ
ajbmeb-1485	92	41	interests	interest	NOUN
ajbmeb-1485	92	42	and	and	CCONJ
ajbmeb-1485	92	43	customer	customer	NOUN
ajbmeb-1485	92	44	confidence	confidence	NOUN
ajbmeb-1485	92	45	in	in	ADP
ajbmeb-1485	92	46	terms	term	NOUN
ajbmeb-1485	92	47	of	of	ADP
ajbmeb-1485	92	48	its	its	PRON
ajbmeb-1485	92	49	relationship	relationship	NOUN
ajbmeb-1485	92	50	with	with	ADP
ajbmeb-1485	92	51	its	its	PRON
ajbmeb-1485	92	52	customers	customer	NOUN
ajbmeb-1485	92	53	.	.	PUNCT
ajbmeb-1485	93	1	using	use	VERB
ajbmeb-1485	93	2	the	the	DET
ajbmeb-1485	93	3	strengths	strength	NOUN
ajbmeb-1485	93	4	of	of	ADP
ajbmeb-1485	93	5	the	the	DET
ajbmeb-1485	93	6	porter	porter	NOUN
ajbmeb-1485	93	7	model	model	NOUN
ajbmeb-1485	93	8	,	,	PUNCT
ajbmeb-1485	93	9	eight	eight	NUM
ajbmeb-1485	93	10	and	and	CCONJ
ajbmeb-1485	93	11	more	more	ADJ
ajbmeb-1485	93	12	process	process	NOUN
ajbmeb-1485	93	13	models	model	NOUN
ajbmeb-1485	93	14	,	,	PUNCT
ajbmeb-1485	93	15	as	as	ADV
ajbmeb-1485	93	16	well	well	ADV
ajbmeb-1485	93	17	as	as	ADP
ajbmeb-1485	93	18	the	the	DET
ajbmeb-1485	93	19	activities	activity	NOUN
ajbmeb-1485	93	20	of	of	ADP
ajbmeb-1485	93	21	insurance	insurance	NOUN
ajbmeb-1485	93	22	companies	company	NOUN
ajbmeb-1485	93	23	regulatory	regulatory	ADJ
ajbmeb-1485	93	24	regulatory	regulatory	ADJ
ajbmeb-1485	93	25	requirements	requirement	NOUN
ajbmeb-1485	93	26	and	and	CCONJ
ajbmeb-1485	93	27	the	the	DET
ajbmeb-1485	93	28	specifics	specific	NOUN
ajbmeb-1485	93	29	of	of	ADP
ajbmeb-1485	93	30	business	business	NOUN
ajbmeb-1485	93	31	processes	process	NOUN
ajbmeb-1485	93	32	feature	feature	NOUN
ajbmeb-1485	93	33	description	description	NOUN
ajbmeb-1485	93	34	developed	develop	VERB
ajbmeb-1485	93	35	(	(	PUNCT
ajbmeb-1485	93	36	figure	figure	NOUN
ajbmeb-1485	93	37	3)3	3)3	NUM
ajbmeb-1485	93	38	.	.	PUNCT
ajbmeb-1485	94	1	success	success	NOUN
ajbmeb-1485	94	2	described	describe	VERB
ajbmeb-1485	94	3	in	in	ADP
ajbmeb-1485	94	4	systematic	systematic	ADJ
ajbmeb-1485	94	5	business	business	NOUN
ajbmeb-1485	94	6	processes	process	NOUN
ajbmeb-1485	94	7	factors	factor	NOUN
ajbmeb-1485	94	8	indicators	indicator	NOUN
ajbmeb-1485	94	9	descriptorical	descriptorical	ADJ
ajbmeb-1485	94	10	indicators	indicator	NOUN
ajbmeb-1485	94	11	of	of	ADP
ajbmeb-1485	94	12	customer	customer	NOUN
ajbmeb-1485	94	13	relations	relation	NOUN
ajbmeb-1485	94	14	customer	customer	NOUN
ajbmeb-1485	94	15	base	base	NOUN
ajbmeb-1485	94	16	.	.	PUNCT
ajbmeb-1485	95	1	customer	customer	NOUN
ajbmeb-1485	95	2	engagement	engagement	NOUN
ajbmeb-1485	95	3	rate	rate	NOUN
ajbmeb-1485	95	4	indicators	indicator	NOUN
ajbmeb-1485	95	5	of	of	ADP
ajbmeb-1485	95	6	expanding	expand	VERB
ajbmeb-1485	95	7	customer	customer	NOUN
ajbmeb-1485	95	8	base	base	NOUN
ajbmeb-1485	95	9	coverage	coverage	NOUN
ajbmeb-1485	95	10	quality	quality	NOUN
ajbmeb-1485	95	11	improvement	improvement	NOUN
ajbmeb-1485	95	12	customer	customer	NOUN
ajbmeb-1485	95	13	service	service	NOUN
ajbmeb-1485	95	14	and	and	CCONJ
ajbmeb-1485	95	15	satisfaction	satisfaction	NOUN
ajbmeb-1485	95	16	index	index	NOUN
ajbmeb-1485	95	17	interregional	interregional	ADJ
ajbmeb-1485	95	18	attractiveness	attractiveness	NOUN
ajbmeb-1485	95	19	customer	customer	NOUN
ajbmeb-1485	95	20	performance	performance	NOUN
ajbmeb-1485	95	21	efficiency	efficiency	NOUN
ajbmeb-1485	95	22	of	of	ADP
ajbmeb-1485	95	23	customer	customer	NOUN
ajbmeb-1485	95	24	activities	activity	NOUN
ajbmeb-1485	95	25	(	(	PUNCT
ajbmeb-1485	95	26	by	by	ADP
ajbmeb-1485	95	27	regions	region	NOUN
ajbmeb-1485	95	28	)	)	PUNCT
ajbmeb-1485	95	29	availability	availability	NOUN
ajbmeb-1485	95	30	of	of	ADP
ajbmeb-1485	95	31	activities	activity	NOUN
ajbmeb-1485	95	32	(	(	PUNCT
ajbmeb-1485	95	33	operations	operation	NOUN
ajbmeb-1485	95	34	)	)	PUNCT
ajbmeb-1485	95	35	market	market	NOUN
ajbmeb-1485	95	36	position	position	NOUN
ajbmeb-1485	95	37	and	and	CCONJ
ajbmeb-1485	95	38	share	share	NOUN
ajbmeb-1485	95	39	in	in	ADP
ajbmeb-1485	95	40	it	it	PRON
ajbmeb-1485	95	41	sale	sale	NOUN
ajbmeb-1485	95	42	of	of	ADP
ajbmeb-1485	95	43	insurance	insurance	NOUN
ajbmeb-1485	95	44	products	product	NOUN
ajbmeb-1485	95	45	the	the	DET
ajbmeb-1485	95	46	amount	amount	NOUN
ajbmeb-1485	95	47	of	of	ADP
ajbmeb-1485	95	48	insurance	insurance	NOUN
ajbmeb-1485	95	49	premiums	premium	NOUN
ajbmeb-1485	95	50	collected	collect	VERB
ajbmeb-1485	95	51	profit	profit	NOUN
ajbmeb-1485	95	52	/	/	SYM
ajbmeb-1485	95	53	gain	gain	NOUN
ajbmeb-1485	95	54	efficiency	efficiency	NOUN
ajbmeb-1485	95	55	level	level	NOUN
ajbmeb-1485	95	56	indicator	indicator	NOUN
ajbmeb-1485	95	57	investment	investment	NOUN
ajbmeb-1485	95	58	activity	activity	NOUN
ajbmeb-1485	95	59	investment	investment	NOUN
ajbmeb-1485	95	60	efficiency	efficiency	NOUN
ajbmeb-1485	95	61	indicator	indicator	NOUN
ajbmeb-1485	95	62	indicators	indicator	NOUN
ajbmeb-1485	95	63	of	of	ADP
ajbmeb-1485	95	64	internal	internal	ADJ
ajbmeb-1485	95	65	processes	process	NOUN
ajbmeb-1485	95	66	types	type	NOUN
ajbmeb-1485	95	67	of	of	ADP
ajbmeb-1485	95	68	services	service	NOUN
ajbmeb-1485	95	69	service	service	NOUN
ajbmeb-1485	95	70	expenses	expense	NOUN
ajbmeb-1485	95	71	process	process	NOUN
ajbmeb-1485	95	72	efficiency	efficiency	NOUN
ajbmeb-1485	95	73	scope	scope	NOUN
ajbmeb-1485	95	74	of	of	ADP
ajbmeb-1485	95	75	activity	activity	NOUN
ajbmeb-1485	95	76	(	(	PUNCT
ajbmeb-1485	95	77	operations	operation	NOUN
ajbmeb-1485	95	78	)	)	PUNCT
ajbmeb-1485	95	79	creating	create	VERB
ajbmeb-1485	95	80	and	and	CCONJ
ajbmeb-1485	95	81	selling	sell	VERB
ajbmeb-1485	95	82	new	new	ADJ
ajbmeb-1485	95	83	products	product	NOUN
ajbmeb-1485	95	84	sales	sale	NOUN
ajbmeb-1485	95	85	volume	volume	VERB
ajbmeb-1485	95	86	the	the	DET
ajbmeb-1485	95	87	effectiveness	effectiveness	NOUN
ajbmeb-1485	95	88	of	of	ADP
ajbmeb-1485	95	89	the	the	DET
ajbmeb-1485	95	90	contract	contract	NOUN
ajbmeb-1485	95	91	fees	fee	NOUN
ajbmeb-1485	95	92	paid	pay	VERB
ajbmeb-1485	95	93	to	to	ADP
ajbmeb-1485	95	94	an	an	DET
ajbmeb-1485	95	95	agent	agent	NOUN
ajbmeb-1485	95	96	targeted	target	VERB
ajbmeb-1485	95	97	development	development	NOUN
ajbmeb-1485	95	98	of	of	ADP
ajbmeb-1485	95	99	activities	activity	NOUN
ajbmeb-1485	95	100	(	(	PUNCT
ajbmeb-1485	95	101	operations	operation	NOUN
ajbmeb-1485	95	102	)	)	PUNCT
ajbmeb-1485	95	103	indicators	indicator	NOUN
ajbmeb-1485	95	104	for	for	ADP
ajbmeb-1485	95	105	training	training	NOUN
ajbmeb-1485	95	106	and	and	CCONJ
ajbmeb-1485	95	107	development	development	NOUN
ajbmeb-1485	95	108	of	of	ADP
ajbmeb-1485	95	109	personnel	personnel	NOUN
ajbmeb-1485	95	110	and	and	CCONJ
ajbmeb-1485	95	111	information	information	NOUN
ajbmeb-1485	95	112	systems	system	NOUN
ajbmeb-1485	95	113	application	application	NOUN
ajbmeb-1485	95	114	of	of	ADP
ajbmeb-1485	95	115	digital	digital	ADJ
ajbmeb-1485	95	116	technologies	technology	NOUN
ajbmeb-1485	95	117	in	in	ADP
ajbmeb-1485	95	118	key	key	ADJ
ajbmeb-1485	95	119	processes	process	NOUN
ajbmeb-1485	95	120	technological	technological	ADJ
ajbmeb-1485	95	121	improvement	improvement	NOUN
ajbmeb-1485	95	122	and	and	CCONJ
ajbmeb-1485	95	123	support	support	NOUN
ajbmeb-1485	95	124	in	in	ADP
ajbmeb-1485	95	125	the	the	DET
ajbmeb-1485	95	126	sale	sale	NOUN
ajbmeb-1485	95	127	of	of	ADP
ajbmeb-1485	95	128	services	service	NOUN
ajbmeb-1485	95	129	service	service	NOUN
ajbmeb-1485	95	130	of	of	ADP
ajbmeb-1485	95	131	insurance	insurance	NOUN
ajbmeb-1485	95	132	contracts	contract	NOUN
ajbmeb-1485	95	133	coverage	coverage	NOUN
ajbmeb-1485	95	134	of	of	ADP
ajbmeb-1485	95	135	claims	claim	NOUN
ajbmeb-1485	95	136	on	on	ADP
ajbmeb-1485	95	137	the	the	DET
ajbmeb-1485	95	138	insured	insure	VERB
ajbmeb-1485	95	139	event	event	NOUN
ajbmeb-1485	95	140	digital	digital	PROPN
ajbmeb-1485	95	141	technology	technology	NOUN
ajbmeb-1485	95	142	application	application	NOUN
ajbmeb-1485	95	143	index	index	NOUN
ajbmeb-1485	95	144	information	information	NOUN
ajbmeb-1485	95	145	retention	retention	NOUN
ajbmeb-1485	95	146	staff	staff	NOUN
ajbmeb-1485	95	147	turnover	turnover	NOUN
ajbmeb-1485	95	148	figure	figure	NOUN
ajbmeb-1485	95	149	3	3	NUM
ajbmeb-1485	95	150	.	.	NUM
ajbmeb-1485	95	151	described	describe	VERB
ajbmeb-1485	95	152	in	in	ADP
ajbmeb-1485	95	153	systemic	systemic	ADJ
ajbmeb-1485	95	154	business	business	NOUN
ajbmeb-1485	95	155	processes	process	VERB
ajbmeb-1485	95	156	success	success	NOUN
ajbmeb-1485	95	157	factors	factor	NOUN
ajbmeb-1485	95	158	and	and	CCONJ
ajbmeb-1485	95	159	indicators	indicator	NOUN
ajbmeb-1485	95	160	4	4	NUM
ajbmeb-1485	95	161	3yagunova	3yagunova	NUM
ajbmeb-1485	95	162	,	,	PUNCT
ajbmeb-1485	95	163	n.	n.	NOUN
ajbmeb-1485	95	164	a.	a.	NOUN
ajbmeb-1485	95	165	assessment	assessment	NOUN
ajbmeb-1485	95	166	of	of	ADP
ajbmeb-1485	95	167	the	the	DET
ajbmeb-1485	95	168	competitive	competitive	ADJ
ajbmeb-1485	95	169	environment	environment	NOUN
ajbmeb-1485	95	170	of	of	ADP
ajbmeb-1485	95	171	an	an	DET
ajbmeb-1485	95	172	enterprise	enterprise	NOUN
ajbmeb-1485	95	173	using	use	VERB
ajbmeb-1485	95	174	the	the	DET
ajbmeb-1485	95	175	five	five	NUM
ajbmeb-1485	95	176	forces	force	NOUN
ajbmeb-1485	95	177	model	model	NOUN
ajbmeb-1485	95	178	of	of	ADP
ajbmeb-1485	95	179	michael	michael	PROPN
ajbmeb-1485	95	180	porter	porter	PROPN
ajbmeb-1485	95	181	.	.	PUNCT
ajbmeb-1485	96	1	/	/	PUNCT
ajbmeb-1485	96	2	n.	n.	PROPN
ajbmeb-1485	96	3	a.режим	a.режим	PROPN
ajbmeb-1485	96	4	доступа	доступа	VERB
ajbmeb-1485	96	5	:	:	PUNCT
ajbmeb-1485	96	6	http://cyberleninka.ru/article/n/otsenka-konkurentnogo-okruzheniya-predpriyatiya-sispolzovaniemmodeli-pyati-sil-maykla-portera	http://cyberleninka.ru/article/n/otsenka-konkurentnogo-okruzheniya-predpriyatiya-sispolzovaniemmodeli-pyati-sil-maykla-portera	NOUN
ajbmeb-1485	96	7	.	.	PUNCT
ajbmeb-1485	97	1	4five	4five	NUM
ajbmeb-1485	97	2	competitive	competitive	ADJ
ajbmeb-1485	97	3	forces	force	NOUN
ajbmeb-1485	97	4	analysis	analysis	NOUN
ajbmeb-1485	97	5	model	model	NOUN
ajbmeb-1485	97	6	by	by	ADP
ajbmeb-1485	97	7	michael	michael	PROPN
ajbmeb-1485	97	8	porter	porter	PROPN
ajbmeb-1485	97	9	.	.	PUNCT
ajbmeb-1485	98	1	[	[	X
ajbmeb-1485	98	2	electronic	electronic	ADJ
ajbmeb-1485	98	3	resource	resource	NOUN
ajbmeb-1485	98	4	]	]	PUNCT
ajbmeb-1485	98	5	/	/	SYM
ajbmeb-1485	98	6	access	access	NOUN
ajbmeb-1485	98	7	mode	mode	NOUN
ajbmeb-1485	98	8	:	:	PUNCT
ajbmeb-1485	98	9	http://powerbranding.ru	http://powerbranding.ru	X
ajbmeb-1485	98	10	/biznes	/biznes	NOUN
ajbmeb-1485	98	11	-	-	PUNCT
ajbmeb-1485	98	12	analiz	analiz	NOUN
ajbmeb-1485	98	13	/	/	SYM
ajbmeb-1485	98	14	porter	porter	NOUN
ajbmeb-1485	98	15	-	-	PUNCT
ajbmeb-1485	98	16	model/.	model/.	NOUN
ajbmeb-1485	98	17	american	american	ADJ
ajbmeb-1485	98	18	journal	journal	PROPN
ajbmeb-1485	98	19	of	of	ADP
ajbmeb-1485	98	20	business	business	NOUN
ajbmeb-1485	98	21	management	management	NOUN
ajbmeb-1485	98	22	,	,	PUNCT
ajbmeb-1485	98	23	economics	economic	NOUN
ajbmeb-1485	98	24	and	and	CCONJ
ajbmeb-1485	98	25	banking	banking	NOUN
ajbmeb-1485	98	26	volume	volume	NOUN
ajbmeb-1485	98	27	18	18	NUM
ajbmeb-1485	98	28	nov	nov	PROPN
ajbmeb-1485	98	29	.	.	PROPN
ajbmeb-1485	98	30	,	,	PUNCT
ajbmeb-1485	98	31	2023	2023	NUM
ajbmeb-1485	98	32	p	p	NOUN
ajbmeb-1485	98	33	a	a	DET
ajbmeb-1485	98	34	g	g	NOUN
ajbmeb-1485	98	35	e	e	NOUN
ajbmeb-1485	98	36	|	|	NOUN
ajbmeb-1485	98	37	112	112	NUM
ajbmeb-1485	98	38	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1485	98	39	the	the	DET
ajbmeb-1485	98	40	need	need	NOUN
ajbmeb-1485	98	41	for	for	ADP
ajbmeb-1485	98	42	business	business	NOUN
ajbmeb-1485	98	43	process	process	NOUN
ajbmeb-1485	98	44	optimization	optimization	NOUN
ajbmeb-1485	98	45	occurs	occur	VERB
ajbmeb-1485	98	46	not	not	PART
ajbmeb-1485	98	47	only	only	ADV
ajbmeb-1485	98	48	when	when	SCONJ
ajbmeb-1485	98	49	process	process	NOUN
ajbmeb-1485	98	50	inefficiencies	inefficiency	NOUN
ajbmeb-1485	98	51	are	be	AUX
ajbmeb-1485	98	52	identified	identify	VERB
ajbmeb-1485	98	53	,	,	PUNCT
ajbmeb-1485	98	54	but	but	CCONJ
ajbmeb-1485	98	55	also	also	ADV
ajbmeb-1485	98	56	when	when	SCONJ
ajbmeb-1485	98	57	:	:	PUNCT
ajbmeb-1485	98	58	changes	change	NOUN
ajbmeb-1485	98	59	in	in	ADP
ajbmeb-1485	98	60	the	the	DET
ajbmeb-1485	98	61	organization	organization	NOUN
ajbmeb-1485	98	62	's	's	PART
ajbmeb-1485	98	63	strategy	strategy	NOUN
ajbmeb-1485	98	64	,	,	PUNCT
ajbmeb-1485	98	65	for	for	ADP
ajbmeb-1485	98	66	example	example	NOUN
ajbmeb-1485	98	67	,	,	PUNCT
ajbmeb-1485	98	68	revision	revision	NOUN
ajbmeb-1485	98	69	of	of	ADP
ajbmeb-1485	98	70	insurance	insurance	NOUN
ajbmeb-1485	98	71	priorities	priority	NOUN
ajbmeb-1485	98	72	;	;	PUNCT
ajbmeb-1485	98	73	structural	structural	ADJ
ajbmeb-1485	98	74	changes	change	NOUN
ajbmeb-1485	98	75	in	in	ADP
ajbmeb-1485	98	76	the	the	DET
ajbmeb-1485	98	77	organization	organization	NOUN
ajbmeb-1485	98	78	;	;	PUNCT
ajbmeb-1485	98	79	change	change	NOUN
ajbmeb-1485	98	80	of	of	ADP
ajbmeb-1485	98	81	management	management	NOUN
ajbmeb-1485	98	82	,	,	PUNCT
ajbmeb-1485	98	83	leadership	leadership	NOUN
ajbmeb-1485	98	84	or	or	CCONJ
ajbmeb-1485	98	85	founder	founder	NOUN
ajbmeb-1485	98	86	(	(	PUNCT
ajbmeb-1485	98	87	affiliation	affiliation	NOUN
ajbmeb-1485	98	88	)	)	PUNCT
ajbmeb-1485	98	89	;	;	PUNCT
ajbmeb-1485	98	90	introduction	introduction	NOUN
ajbmeb-1485	98	91	of	of	ADP
ajbmeb-1485	98	92	digital	digital	ADJ
ajbmeb-1485	98	93	technologies	technology	NOUN
ajbmeb-1485	98	94	;	;	PUNCT
ajbmeb-1485	98	95	introduction	introduction	NOUN
ajbmeb-1485	98	96	of	of	ADP
ajbmeb-1485	98	97	a	a	DET
ajbmeb-1485	98	98	system	system	NOUN
ajbmeb-1485	98	99	of	of	ADP
ajbmeb-1485	98	100	transparency	transparency	NOUN
ajbmeb-1485	98	101	in	in	ADP
ajbmeb-1485	98	102	the	the	DET
ajbmeb-1485	98	103	processes	process	NOUN
ajbmeb-1485	98	104	of	of	ADP
ajbmeb-1485	98	105	activities	activity	NOUN
ajbmeb-1485	98	106	(	(	PUNCT
ajbmeb-1485	98	107	operations	operation	NOUN
ajbmeb-1485	98	108	)	)	PUNCT
ajbmeb-1485	98	109	.	.	PUNCT
ajbmeb-1485	99	1	once	once	SCONJ
ajbmeb-1485	99	2	the	the	DET
ajbmeb-1485	99	3	cause	cause	NOUN
ajbmeb-1485	99	4	of	of	ADP
ajbmeb-1485	99	5	the	the	DET
ajbmeb-1485	99	6	difference	difference	NOUN
ajbmeb-1485	99	7	between	between	ADP
ajbmeb-1485	99	8	the	the	DET
ajbmeb-1485	99	9	expected	expect	VERB
ajbmeb-1485	99	10	quality	quality	NOUN
ajbmeb-1485	99	11	(	(	PUNCT
ajbmeb-1485	99	12	result	result	NOUN
ajbmeb-1485	99	13	)	)	PUNCT
ajbmeb-1485	99	14	and	and	CCONJ
ajbmeb-1485	99	15	the	the	DET
ajbmeb-1485	99	16	existing	exist	VERB
ajbmeb-1485	99	17	quality	quality	NOUN
ajbmeb-1485	99	18	in	in	ADP
ajbmeb-1485	99	19	the	the	DET
ajbmeb-1485	99	20	development	development	NOUN
ajbmeb-1485	99	21	of	of	ADP
ajbmeb-1485	99	22	business	business	NOUN
ajbmeb-1485	99	23	processes	process	NOUN
ajbmeb-1485	99	24	is	be	AUX
ajbmeb-1485	99	25	determined	determine	VERB
ajbmeb-1485	99	26	,	,	PUNCT
ajbmeb-1485	99	27	it	it	PRON
ajbmeb-1485	99	28	is	be	AUX
ajbmeb-1485	99	29	necessary	necessary	ADJ
ajbmeb-1485	99	30	to	to	PART
ajbmeb-1485	99	31	create	create	VERB
ajbmeb-1485	99	32	a	a	DET
ajbmeb-1485	99	33	mechanism	mechanism	NOUN
ajbmeb-1485	99	34	to	to	PART
ajbmeb-1485	99	35	ensure	ensure	VERB
ajbmeb-1485	99	36	that	that	SCONJ
ajbmeb-1485	99	37	its	its	PRON
ajbmeb-1485	99	38	factors	factor	NOUN
ajbmeb-1485	99	39	are	be	AUX
ajbmeb-1485	99	40	eliminated	eliminate	VERB
ajbmeb-1485	99	41	.	.	PUNCT
ajbmeb-1485	100	1	for	for	ADP
ajbmeb-1485	100	2	this	this	DET
ajbmeb-1485	100	3	purpose	purpose	NOUN
ajbmeb-1485	100	4	,	,	PUNCT
ajbmeb-1485	100	5	business	business	NOUN
ajbmeb-1485	100	6	processes	process	NOUN
ajbmeb-1485	100	7	are	be	AUX
ajbmeb-1485	100	8	as	as	SCONJ
ajbmeb-1485	100	9	follows	follow	VERB
ajbmeb-1485	100	10	:	:	PUNCT
ajbmeb-1485	100	11	reconstruction	reconstruction	NOUN
ajbmeb-1485	100	12	of	of	ADP
ajbmeb-1485	100	13	business	business	NOUN
ajbmeb-1485	100	14	processes	process	NOUN
ajbmeb-1485	100	15	with	with	ADP
ajbmeb-1485	100	16	a	a	DET
ajbmeb-1485	100	17	principled	principled	ADJ
ajbmeb-1485	100	18	approach	approach	NOUN
ajbmeb-1485	100	19	(	(	PUNCT
ajbmeb-1485	100	20	create	create	NOUN
ajbmeb-1485	100	21	)	)	PUNCT
ajbmeb-1485	100	22	;	;	PUNCT
ajbmeb-1485	100	23	through	through	ADP
ajbmeb-1485	100	24	the	the	DET
ajbmeb-1485	100	25	improvement	improvement	NOUN
ajbmeb-1485	100	26	and	and	CCONJ
ajbmeb-1485	100	27	redesign	redesign	NOUN
ajbmeb-1485	100	28	of	of	ADP
ajbmeb-1485	100	29	existing	exist	VERB
ajbmeb-1485	100	30	business	business	NOUN
ajbmeb-1485	100	31	processes	process	NOUN
ajbmeb-1485	100	32	.	.	PUNCT
ajbmeb-1485	101	1	development	development	NOUN
ajbmeb-1485	101	2	of	of	ADP
ajbmeb-1485	101	3	business	business	NOUN
ajbmeb-1485	101	4	processes	process	NOUN
ajbmeb-1485	101	5	in	in	ADP
ajbmeb-1485	101	6	insurance	insurance	NOUN
ajbmeb-1485	101	7	business	business	NOUN
ajbmeb-1485	101	8	is	be	AUX
ajbmeb-1485	101	9	as	as	SCONJ
ajbmeb-1485	101	10	follows	follow	VERB
ajbmeb-1485	101	11	:	:	PUNCT
ajbmeb-1485	101	12	a	a	X
ajbmeb-1485	101	13	)	)	PUNCT
ajbmeb-1485	101	14	ensuring	ensure	VERB
ajbmeb-1485	101	15	a	a	DET
ajbmeb-1485	101	16	logical	logical	ADJ
ajbmeb-1485	101	17	sequence	sequence	NOUN
ajbmeb-1485	101	18	of	of	ADP
ajbmeb-1485	101	19	practical	practical	ADJ
ajbmeb-1485	101	20	activities	activity	NOUN
ajbmeb-1485	101	21	(	(	PUNCT
ajbmeb-1485	101	22	operations	operation	NOUN
ajbmeb-1485	101	23	):	):	PUNCT
ajbmeb-1485	101	24	decision	decision	NOUN
ajbmeb-1485	101	25	making	making	NOUN
ajbmeb-1485	101	26	;	;	PUNCT
ajbmeb-1485	101	27	execution	execution	NOUN
ajbmeb-1485	101	28	of	of	ADP
ajbmeb-1485	101	29	decisions	decision	NOUN
ajbmeb-1485	101	30	;	;	PUNCT
ajbmeb-1485	101	31	reflection	reflection	NOUN
ajbmeb-1485	101	32	of	of	ADP
ajbmeb-1485	101	33	the	the	DET
ajbmeb-1485	101	34	results	result	NOUN
ajbmeb-1485	101	35	of	of	ADP
ajbmeb-1485	101	36	the	the	DET
ajbmeb-1485	101	37	implementation	implementation	NOUN
ajbmeb-1485	101	38	of	of	ADP
ajbmeb-1485	101	39	decisions	decision	NOUN
ajbmeb-1485	101	40	in	in	ADP
ajbmeb-1485	101	41	documents	document	NOUN
ajbmeb-1485	101	42	and	and	CCONJ
ajbmeb-1485	101	43	databases	database	NOUN
ajbmeb-1485	101	44	.	.	PUNCT
ajbmeb-1485	102	1	b	b	X
ajbmeb-1485	102	2	)	)	PUNCT
ajbmeb-1485	102	3	creation	creation	NOUN
ajbmeb-1485	102	4	of	of	ADP
ajbmeb-1485	102	5	instructions	instruction	NOUN
ajbmeb-1485	102	6	on	on	ADP
ajbmeb-1485	102	7	the	the	DET
ajbmeb-1485	102	8	stages	stage	NOUN
ajbmeb-1485	102	9	of	of	ADP
ajbmeb-1485	102	10	certain	certain	ADJ
ajbmeb-1485	102	11	activities	activity	NOUN
ajbmeb-1485	102	12	(	(	PUNCT
ajbmeb-1485	102	13	operations	operation	NOUN
ajbmeb-1485	102	14	):	):	PUNCT
ajbmeb-1485	102	15	development	development	NOUN
ajbmeb-1485	102	16	of	of	ADP
ajbmeb-1485	102	17	a	a	DET
ajbmeb-1485	102	18	normative	normative	ADJ
ajbmeb-1485	102	19	document	document	NOUN
ajbmeb-1485	102	20	on	on	ADP
ajbmeb-1485	102	21	the	the	DET
ajbmeb-1485	102	22	procedure	procedure	NOUN
ajbmeb-1485	102	23	for	for	ADP
ajbmeb-1485	102	24	carrying	carry	VERB
ajbmeb-1485	102	25	out	out	ADP
ajbmeb-1485	102	26	activities	activity	NOUN
ajbmeb-1485	102	27	;	;	PUNCT
ajbmeb-1485	102	28	normative	normative	ADJ
ajbmeb-1485	102	29	document	document	NOUN
ajbmeb-1485	102	30	related	relate	VERB
ajbmeb-1485	102	31	to	to	ADP
ajbmeb-1485	102	32	ensuring	ensure	VERB
ajbmeb-1485	102	33	transparency	transparency	NOUN
ajbmeb-1485	102	34	of	of	ADP
ajbmeb-1485	102	35	management	management	NOUN
ajbmeb-1485	102	36	creation	creation	NOUN
ajbmeb-1485	102	37	;	;	PUNCT
ajbmeb-1485	102	38	development	development	NOUN
ajbmeb-1485	102	39	of	of	ADP
ajbmeb-1485	102	40	guidelines	guideline	NOUN
ajbmeb-1485	102	41	for	for	ADP
ajbmeb-1485	102	42	system	system	NOUN
ajbmeb-1485	102	43	functionality	functionality	NOUN
ajbmeb-1485	102	44	.	.	PUNCT
ajbmeb-1485	103	1	c	c	X
ajbmeb-1485	103	2	)	)	PUNCT
ajbmeb-1485	103	3	division	division	NOUN
ajbmeb-1485	103	4	of	of	ADP
ajbmeb-1485	103	5	labor	labor	NOUN
ajbmeb-1485	103	6	:	:	PUNCT
ajbmeb-1485	103	7	on	on	ADP
ajbmeb-1485	103	8	the	the	DET
ajbmeb-1485	103	9	activities	activity	NOUN
ajbmeb-1485	103	10	of	of	ADP
ajbmeb-1485	103	11	managers	manager	NOUN
ajbmeb-1485	103	12	(	(	PUNCT
ajbmeb-1485	103	13	general	general	ADJ
ajbmeb-1485	103	14	,	,	PUNCT
ajbmeb-1485	103	15	strategic	strategic	ADJ
ajbmeb-1485	103	16	decision	decision	NOUN
ajbmeb-1485	103	17	-	-	PUNCT
ajbmeb-1485	103	18	making	making	NOUN
ajbmeb-1485	103	19	and	and	CCONJ
ajbmeb-1485	103	20	division	division	NOUN
ajbmeb-1485	103	21	of	of	ADP
ajbmeb-1485	103	22	labor	labor	NOUN
ajbmeb-1485	103	23	in	in	ADP
ajbmeb-1485	103	24	process	process	NOUN
ajbmeb-1485	103	25	management	management	NOUN
ajbmeb-1485	103	26	)	)	PUNCT
ajbmeb-1485	103	27	;	;	PUNCT
ajbmeb-1485	103	28	on	on	ADP
ajbmeb-1485	103	29	the	the	DET
ajbmeb-1485	103	30	activities	activity	NOUN
ajbmeb-1485	103	31	of	of	ADP
ajbmeb-1485	103	32	specialists	specialist	NOUN
ajbmeb-1485	103	33	(	(	PUNCT
ajbmeb-1485	103	34	employees	employee	NOUN
ajbmeb-1485	103	35	)	)	PUNCT
ajbmeb-1485	103	36	(	(	PUNCT
ajbmeb-1485	103	37	to	to	PART
ajbmeb-1485	103	38	ensure	ensure	VERB
ajbmeb-1485	103	39	the	the	DET
ajbmeb-1485	103	40	implementation	implementation	NOUN
ajbmeb-1485	103	41	of	of	ADP
ajbmeb-1485	103	42	existing	exist	VERB
ajbmeb-1485	103	43	decisions	decision	NOUN
ajbmeb-1485	103	44	)	)	PUNCT
ajbmeb-1485	103	45	;	;	PUNCT
ajbmeb-1485	103	46	on	on	ADP
ajbmeb-1485	103	47	the	the	DET
ajbmeb-1485	103	48	activities	activity	NOUN
ajbmeb-1485	103	49	of	of	ADP
ajbmeb-1485	103	50	technical	technical	ADJ
ajbmeb-1485	103	51	staff	staff	NOUN
ajbmeb-1485	103	52	(	(	PUNCT
ajbmeb-1485	103	53	secretariat	secretariat	NOUN
ajbmeb-1485	103	54	,	,	PUNCT
ajbmeb-1485	103	55	office	office	NOUN
ajbmeb-1485	103	56	)	)	PUNCT
ajbmeb-1485	103	57	.	.	PUNCT
ajbmeb-1485	104	1	g	g	NOUN
ajbmeb-1485	104	2	)	)	PUNCT
ajbmeb-1485	104	3	special	special	ADJ
ajbmeb-1485	104	4	division	division	NOUN
ajbmeb-1485	104	5	of	of	ADP
ajbmeb-1485	104	6	labor	labor	NOUN
ajbmeb-1485	104	7	:	:	PUNCT
ajbmeb-1485	104	8	mutual	mutual	ADJ
ajbmeb-1485	104	9	generalization	generalization	NOUN
ajbmeb-1485	104	10	of	of	ADP
ajbmeb-1485	104	11	the	the	DET
ajbmeb-1485	104	12	same	same	ADJ
ajbmeb-1485	104	13	activity	activity	NOUN
ajbmeb-1485	104	14	;	;	PUNCT
ajbmeb-1485	104	15	mobilization	mobilization	NOUN
ajbmeb-1485	104	16	of	of	ADP
ajbmeb-1485	104	17	specialized	specialized	ADJ
ajbmeb-1485	104	18	resources	resource	NOUN
ajbmeb-1485	104	19	for	for	ADP
ajbmeb-1485	104	20	the	the	DET
ajbmeb-1485	104	21	implementation	implementation	NOUN
ajbmeb-1485	104	22	of	of	ADP
ajbmeb-1485	104	23	the	the	DET
ajbmeb-1485	104	24	same	same	ADJ
ajbmeb-1485	104	25	activity	activity	NOUN
ajbmeb-1485	104	26	;	;	PUNCT
ajbmeb-1485	104	27	not	not	PART
ajbmeb-1485	104	28	to	to	PART
ajbmeb-1485	104	29	involve	involve	VERB
ajbmeb-1485	104	30	highly	highly	ADV
ajbmeb-1485	104	31	qualified	qualified	ADJ
ajbmeb-1485	104	32	specialists	specialist	NOUN
ajbmeb-1485	104	33	(	(	PUNCT
ajbmeb-1485	104	34	employees	employee	NOUN
ajbmeb-1485	104	35	)	)	PUNCT
ajbmeb-1485	104	36	in	in	ADP
ajbmeb-1485	104	37	technical	technical	ADJ
ajbmeb-1485	104	38	work	work	NOUN
ajbmeb-1485	104	39	;	;	PUNCT
ajbmeb-1485	104	40	d	d	X
ajbmeb-1485	104	41	)	)	PUNCT
ajbmeb-1485	104	42	capacity	capacity	NOUN
ajbmeb-1485	104	43	exploration	exploration	NOUN
ajbmeb-1485	104	44	and	and	CCONJ
ajbmeb-1485	104	45	process	process	NOUN
ajbmeb-1485	104	46	optimization	optimization	NOUN
ajbmeb-1485	104	47	.	.	PUNCT
ajbmeb-1485	105	1	e	e	X
ajbmeb-1485	105	2	)	)	PUNCT
ajbmeb-1485	105	3	description	description	NOUN
ajbmeb-1485	105	4	of	of	ADP
ajbmeb-1485	105	5	activities	activity	NOUN
ajbmeb-1485	105	6	(	(	PUNCT
ajbmeb-1485	105	7	operations	operation	NOUN
ajbmeb-1485	105	8	)	)	PUNCT
ajbmeb-1485	105	9	in	in	ADP
ajbmeb-1485	105	10	business	business	NOUN
ajbmeb-1485	105	11	processes	process	NOUN
ajbmeb-1485	105	12	.	.	PUNCT
ajbmeb-1485	106	1	j	j	NOUN
ajbmeb-1485	106	2	)	)	PUNCT
ajbmeb-1485	106	3	identification	identification	NOUN
ajbmeb-1485	106	4	and	and	CCONJ
ajbmeb-1485	106	5	elimination	elimination	NOUN
ajbmeb-1485	106	6	of	of	ADP
ajbmeb-1485	106	7	process	process	NOUN
ajbmeb-1485	106	8	problems	problem	NOUN
ajbmeb-1485	106	9	.	.	PUNCT
ajbmeb-1485	107	1	h	h	X
ajbmeb-1485	107	2	)	)	PUNCT
ajbmeb-1485	107	3	overcoming	overcome	VERB
ajbmeb-1485	107	4	problems	problem	NOUN
ajbmeb-1485	107	5	between	between	ADP
ajbmeb-1485	107	6	certain	certain	ADJ
ajbmeb-1485	107	7	units	unit	NOUN
ajbmeb-1485	107	8	in	in	ADP
ajbmeb-1485	107	9	the	the	DET
ajbmeb-1485	107	10	process	process	NOUN
ajbmeb-1485	107	11	.	.	PUNCT
ajbmeb-1485	108	1	i	i	PRON
ajbmeb-1485	108	2	)	)	PUNCT
ajbmeb-1485	108	3	inter	inter	ADJ
ajbmeb-1485	108	4	-	-	ADJ
ajbmeb-1485	108	5	departmental	departmental	ADJ
ajbmeb-1485	108	6	information	information	NOUN
ajbmeb-1485	108	7	exchange	exchange	NOUN
ajbmeb-1485	108	8	(	(	PUNCT
ajbmeb-1485	108	9	engagement	engagement	NOUN
ajbmeb-1485	108	10	service	service	NOUN
ajbmeb-1485	108	11	accounting	accounting	NOUN
ajbmeb-1485	108	12	support	support	NOUN
ajbmeb-1485	108	13	)	)	PUNCT
ajbmeb-1485	108	14	on	on	ADP
ajbmeb-1485	108	15	the	the	DET
ajbmeb-1485	108	16	fulfillment	fulfillment	NOUN
ajbmeb-1485	108	17	of	of	ADP
ajbmeb-1485	108	18	potential	potential	ADJ
ajbmeb-1485	108	19	customer	customer	NOUN
ajbmeb-1485	108	20	requirements	requirement	NOUN
ajbmeb-1485	108	21	and	and	CCONJ
ajbmeb-1485	108	22	consideration	consideration	NOUN
ajbmeb-1485	108	23	of	of	ADP
ajbmeb-1485	108	24	the	the	DET
ajbmeb-1485	108	25	impact	impact	NOUN
ajbmeb-1485	108	26	of	of	ADP
ajbmeb-1485	108	27	internal	internal	ADJ
ajbmeb-1485	108	28	and	and	CCONJ
ajbmeb-1485	108	29	external	external	ADJ
ajbmeb-1485	108	30	environment	environment	NOUN
ajbmeb-1485	108	31	should	should	AUX
ajbmeb-1485	108	32	be	be	AUX
ajbmeb-1485	108	33	carried	carry	VERB
ajbmeb-1485	108	34	out	out	ADP
ajbmeb-1485	108	35	under	under	ADP
ajbmeb-1485	108	36	the	the	DET
ajbmeb-1485	108	37	auspices	auspex	NOUN
ajbmeb-1485	108	38	of	of	ADP
ajbmeb-1485	108	39	the	the	DET
ajbmeb-1485	108	40	task	task	NOUN
ajbmeb-1485	108	41	force	force	NOUN
ajbmeb-1485	108	42	.	.	PUNCT
ajbmeb-1485	109	1	to	to	PART
ajbmeb-1485	109	2	increase	increase	VERB
ajbmeb-1485	109	3	the	the	DET
ajbmeb-1485	109	4	efficiency	efficiency	NOUN
ajbmeb-1485	109	5	of	of	ADP
ajbmeb-1485	109	6	insurance	insurance	NOUN
ajbmeb-1485	109	7	services	service	NOUN
ajbmeb-1485	109	8	:	:	PUNCT
ajbmeb-1485	109	9	attracting	attract	VERB
ajbmeb-1485	109	10	customers	customer	NOUN
ajbmeb-1485	109	11	(	(	PUNCT
ajbmeb-1485	109	12	promotion	promotion	NOUN
ajbmeb-1485	109	13	,	,	PUNCT
ajbmeb-1485	109	14	sales	sale	NOUN
ajbmeb-1485	109	15	of	of	ADP
ajbmeb-1485	109	16	services	service	NOUN
ajbmeb-1485	109	17	)	)	PUNCT
ajbmeb-1485	109	18	;	;	PUNCT
ajbmeb-1485	109	19	underwriting	underwriting	NOUN
ajbmeb-1485	109	20	and	and	CCONJ
ajbmeb-1485	109	21	reinsurance	reinsurance	NOUN
ajbmeb-1485	109	22	,	,	PUNCT
ajbmeb-1485	109	23	ensuring	ensure	VERB
ajbmeb-1485	109	24	the	the	DET
ajbmeb-1485	109	25	satisfaction	satisfaction	NOUN
ajbmeb-1485	109	26	of	of	ADP
ajbmeb-1485	109	27	claims	claim	NOUN
ajbmeb-1485	109	28	;	;	PUNCT
ajbmeb-1485	109	29	american	american	ADJ
ajbmeb-1485	109	30	journal	journal	PROPN
ajbmeb-1485	109	31	of	of	ADP
ajbmeb-1485	109	32	business	business	NOUN
ajbmeb-1485	109	33	management	management	NOUN
ajbmeb-1485	109	34	,	,	PUNCT
ajbmeb-1485	109	35	economics	economic	NOUN
ajbmeb-1485	109	36	and	and	CCONJ
ajbmeb-1485	109	37	banking	banking	NOUN
ajbmeb-1485	109	38	volume	volume	NOUN
ajbmeb-1485	109	39	18	18	NUM
ajbmeb-1485	109	40	nov	nov	PROPN
ajbmeb-1485	109	41	.	.	PROPN
ajbmeb-1485	109	42	,	,	PUNCT
ajbmeb-1485	109	43	2023	2023	NUM
ajbmeb-1485	109	44	p	p	NOUN
ajbmeb-1485	109	45	a	a	PRON
ajbmeb-1485	109	46	g	g	NOUN
ajbmeb-1485	109	47	e	e	PROPN
ajbmeb-1485	109	48	|	|	NOUN
ajbmeb-1485	109	49	113	113	NUM
ajbmeb-1485	109	50	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1485	109	51	improving	improve	VERB
ajbmeb-1485	109	52	the	the	DET
ajbmeb-1485	109	53	accounting	accounting	NOUN
ajbmeb-1485	109	54	system	system	NOUN
ajbmeb-1485	109	55	is	be	AUX
ajbmeb-1485	109	56	required	require	VERB
ajbmeb-1485	109	57	.	.	PUNCT
ajbmeb-1485	110	1	based	base	VERB
ajbmeb-1485	110	2	on	on	ADP
ajbmeb-1485	110	3	this	this	DET
ajbmeb-1485	110	4	requirement	requirement	NOUN
ajbmeb-1485	110	5	,	,	PUNCT
ajbmeb-1485	110	6	each	each	PRON
ajbmeb-1485	110	7	of	of	ADP
ajbmeb-1485	110	8	them	they	PRON
ajbmeb-1485	110	9	should	should	AUX
ajbmeb-1485	110	10	be	be	AUX
ajbmeb-1485	110	11	considered	consider	VERB
ajbmeb-1485	110	12	as	as	ADP
ajbmeb-1485	110	13	a	a	DET
ajbmeb-1485	110	14	separate	separate	ADJ
ajbmeb-1485	110	15	business	business	NOUN
ajbmeb-1485	110	16	process	process	NOUN
ajbmeb-1485	110	17	,	,	PUNCT
ajbmeb-1485	110	18	approached	approach	VERB
ajbmeb-1485	110	19	from	from	ADP
ajbmeb-1485	110	20	the	the	DET
ajbmeb-1485	110	21	point	point	NOUN
ajbmeb-1485	110	22	of	of	ADP
ajbmeb-1485	110	23	view	view	NOUN
ajbmeb-1485	110	24	of	of	ADP
ajbmeb-1485	110	25	efficiency	efficiency	NOUN
ajbmeb-1485	110	26	,	,	PUNCT
ajbmeb-1485	110	27	which	which	PRON
ajbmeb-1485	110	28	,	,	PUNCT
ajbmeb-1485	110	29	in	in	ADP
ajbmeb-1485	110	30	turn	turn	NOUN
ajbmeb-1485	110	31	,	,	PUNCT
ajbmeb-1485	110	32	serves	serve	VERB
ajbmeb-1485	110	33	to	to	PART
ajbmeb-1485	110	34	ensure	ensure	VERB
ajbmeb-1485	110	35	the	the	DET
ajbmeb-1485	110	36	efficiency	efficiency	NOUN
ajbmeb-1485	110	37	of	of	ADP
ajbmeb-1485	110	38	business	business	NOUN
ajbmeb-1485	110	39	processes	process	NOUN
ajbmeb-1485	110	40	in	in	ADP
ajbmeb-1485	110	41	insurance	insurance	NOUN
ajbmeb-1485	110	42	activities	activity	NOUN
ajbmeb-1485	110	43	.	.	PUNCT