id	sid	tid	token	lemma	pos
ajbmeb-1781	1	1	american	american	PROPN
ajbmeb-1781	1	2	journal	journal	PROPN
ajbmeb-1781	1	3	of	of	ADP
ajbmeb-1781	1	4	business	business	NOUN
ajbmeb-1781	1	5	management	management	NOUN
ajbmeb-1781	1	6	,	,	PUNCT
ajbmeb-1781	1	7	economics	economic	NOUN
ajbmeb-1781	1	8	and	and	CCONJ
ajbmeb-1781	1	9	banking	banking	NOUN
ajbmeb-1781	1	10	issn	issn	PROPN
ajbmeb-1781	1	11	(	(	PUNCT
ajbmeb-1781	1	12	e	e	NOUN
ajbmeb-1781	1	13	):	):	PUNCT
ajbmeb-1781	1	14	2832	2832	NUM
ajbmeb-1781	1	15	-	-	SYM
ajbmeb-1781	1	16	8078	8078	NUM
ajbmeb-1781	1	17	volume	volume	NOUN
ajbmeb-1781	1	18	20	20	NUM
ajbmeb-1781	1	19	,	,	PUNCT
ajbmeb-1781	1	20	|	|	ADV
ajbmeb-1781	1	21	january	january	PROPN
ajbmeb-1781	1	22	,	,	PUNCT
ajbmeb-1781	1	23	2024	2024	NUM
ajbmeb-1781	1	24	p	p	NOUN
ajbmeb-1781	1	25	a	a	DET
ajbmeb-1781	1	26	g	g	NOUN
ajbmeb-1781	1	27	e	e	NOUN
ajbmeb-1781	1	28	|	|	ADV
ajbmeb-1781	1	29	243	243	NUM
ajbmeb-1781	1	30	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1781	1	31	risk	risk	NOUN
ajbmeb-1781	1	32	assessment	assessment	NOUN
ajbmeb-1781	1	33	of	of	ADP
ajbmeb-1781	1	34	insurance	insurance	NOUN
ajbmeb-1781	1	35	services	service	NOUN
ajbmeb-1781	1	36	in	in	ADP
ajbmeb-1781	1	37	our	our	PRON
ajbmeb-1781	1	38	country	country	NOUN
ajbmeb-1781	1	39	sh	sh	PROPN
ajbmeb-1781	1	40	.	.	PROPN
ajbmeb-1781	1	41	f.	f.	PROPN
ajbmeb-1781	1	42	kobilzhonova	kobilzhonova	PROPN
ajbmeb-1781	1	43	lecturer	lecturer	NOUN
ajbmeb-1781	1	44	of	of	ADP
ajbmeb-1781	1	45	the	the	DET
ajbmeb-1781	1	46	department	department	NOUN
ajbmeb-1781	1	47	of	of	ADP
ajbmeb-1781	1	48	"	"	PUNCT
ajbmeb-1781	1	49	general	general	ADJ
ajbmeb-1781	1	50	economic	economic	ADJ
ajbmeb-1781	1	51	disciplines	discipline	NOUN
ajbmeb-1781	1	52	"	"	PUNCT
ajbmeb-1781	1	53	of	of	ADP
ajbmeb-1781	1	54	the	the	DET
ajbmeb-1781	1	55	tashkent	tashkent	PROPN
ajbmeb-1781	1	56	financial	financial	PROPN
ajbmeb-1781	1	57	institute	institute	PROPN
ajbmeb-1781	1	58	a	a	DET
ajbmeb-1781	1	59	b	b	PROPN
ajbmeb-1781	1	60	s	s	ADP
ajbmeb-1781	1	61	t	t	PROPN
ajbmeb-1781	1	62	r	r	NOUN
ajbmeb-1781	1	63	a	a	DET
ajbmeb-1781	1	64	c	c	NOUN
ajbmeb-1781	1	65	t	t	NOUN
ajbmeb-1781	1	66	k	k	X
ajbmeb-1781	1	67	e	e	PROPN
ajbmeb-1781	1	68	y	y	PROPN
ajbmeb-1781	1	69	w	w	NOUN
ajbmeb-1781	2	1	o	o	NOUN
ajbmeb-1781	2	2	r	r	NOUN
ajbmeb-1781	2	3	d	d	NOUN
ajbmeb-1781	2	4	s	s	VERB
ajbmeb-1781	2	5	our	our	PRON
ajbmeb-1781	2	6	country	country	NOUN
ajbmeb-1781	2	7	risk	risk	NOUN
ajbmeb-1781	2	8	assessment	assessment	NOUN
ajbmeb-1781	2	9	reflects	reflect	VERB
ajbmeb-1781	2	10	our	our	PRON
ajbmeb-1781	2	11	opinion	opinion	NOUN
ajbmeb-1781	2	12	on	on	ADP
ajbmeb-1781	2	13	the	the	DET
ajbmeb-1781	2	14	insurance	insurance	NOUN
ajbmeb-1781	2	15	risks	risk	NOUN
ajbmeb-1781	2	16	to	to	PART
ajbmeb-1781	2	17	which	which	PRON
ajbmeb-1781	2	18	the	the	DET
ajbmeb-1781	2	19	economy	economy	NOUN
ajbmeb-1781	2	20	,	,	PUNCT
ajbmeb-1781	2	21	politics	politic	NOUN
ajbmeb-1781	2	22	,	,	PUNCT
ajbmeb-1781	2	23	financial	financial	ADJ
ajbmeb-1781	2	24	system	system	NOUN
ajbmeb-1781	2	25	,	,	PUNCT
ajbmeb-1781	2	26	payment	payment	NOUN
ajbmeb-1781	2	27	culture	culture	NOUN
ajbmeb-1781	2	28	and	and	CCONJ
ajbmeb-1781	2	29	the	the	DET
ajbmeb-1781	2	30	rule	rule	NOUN
ajbmeb-1781	2	31	of	of	ADP
ajbmeb-1781	2	32	law	law	NOUN
ajbmeb-1781	2	33	in	in	ADP
ajbmeb-1781	2	34	the	the	DET
ajbmeb-1781	2	35	republic	republic	NOUN
ajbmeb-1781	2	36	of	of	ADP
ajbmeb-1781	2	37	uzbekistan	uzbekistan	PROPN
ajbmeb-1781	2	38	are	be	AUX
ajbmeb-1781	2	39	exposed	expose	VERB
ajbmeb-1781	2	40	.	.	PUNCT
ajbmeb-1781	3	1	our	our	PRON
ajbmeb-1781	3	2	assessment	assessment	NOUN
ajbmeb-1781	3	3	of	of	ADP
ajbmeb-1781	3	4	the	the	DET
ajbmeb-1781	3	5	sectoral	sectoral	ADJ
ajbmeb-1781	3	6	risk	risk	NOUN
ajbmeb-1781	3	7	of	of	ADP
ajbmeb-1781	3	8	the	the	DET
ajbmeb-1781	3	9	uzbek	uzbek	PROPN
ajbmeb-1781	3	10	general	general	ADJ
ajbmeb-1781	3	11	insurance	insurance	NOUN
ajbmeb-1781	3	12	sector	sector	NOUN
ajbmeb-1781	3	13	is	be	AUX
ajbmeb-1781	3	14	in	in	ADP
ajbmeb-1781	3	15	line	line	NOUN
ajbmeb-1781	3	16	with	with	ADP
ajbmeb-1781	3	17	similar	similar	ADJ
ajbmeb-1781	3	18	estimates	estimate	NOUN
ajbmeb-1781	3	19	for	for	ADP
ajbmeb-1781	3	20	kenya	kenya	PROPN
ajbmeb-1781	3	21	,	,	PUNCT
ajbmeb-1781	3	22	angola	angola	PROPN
ajbmeb-1781	3	23	and	and	CCONJ
ajbmeb-1781	3	24	india	india	PROPN
ajbmeb-1781	3	25	.	.	PUNCT
ajbmeb-1781	4	1	however	however	ADV
ajbmeb-1781	4	2	,	,	PUNCT
ajbmeb-1781	4	3	the	the	DET
ajbmeb-1781	4	4	general	general	ADJ
ajbmeb-1781	4	5	insurance	insurance	NOUN
ajbmeb-1781	4	6	markets	market	NOUN
ajbmeb-1781	4	7	in	in	ADP
ajbmeb-1781	4	8	these	these	DET
ajbmeb-1781	4	9	countries	country	NOUN
ajbmeb-1781	4	10	are	be	AUX
ajbmeb-1781	4	11	at	at	ADP
ajbmeb-1781	4	12	very	very	ADV
ajbmeb-1781	4	13	different	different	ADJ
ajbmeb-1781	4	14	stages	stage	NOUN
ajbmeb-1781	4	15	of	of	ADP
ajbmeb-1781	4	16	development	development	NOUN
ajbmeb-1781	4	17	.	.	PUNCT
ajbmeb-1781	5	1	our	our	PRON
ajbmeb-1781	5	2	opinion	opinion	NOUN
ajbmeb-1781	5	3	on	on	ADP
ajbmeb-1781	5	4	the	the	DET
ajbmeb-1781	5	5	uzbek	uzbek	PROPN
ajbmeb-1781	5	6	general	general	ADJ
ajbmeb-1781	5	7	insurance	insurance	NOUN
ajbmeb-1781	5	8	sector	sector	NOUN
ajbmeb-1781	5	9	takes	take	VERB
ajbmeb-1781	5	10	into	into	ADP
ajbmeb-1781	5	11	account	account	NOUN
ajbmeb-1781	5	12	the	the	DET
ajbmeb-1781	5	13	still	still	ADV
ajbmeb-1781	5	14	developing	develop	VERB
ajbmeb-1781	5	15	institutional	institutional	ADJ
ajbmeb-1781	5	16	system	system	NOUN
ajbmeb-1781	5	17	,	,	PUNCT
ajbmeb-1781	5	18	as	as	ADV
ajbmeb-1781	5	19	well	well	ADV
ajbmeb-1781	5	20	as	as	ADP
ajbmeb-1781	5	21	the	the	DET
ajbmeb-1781	5	22	dynamics	dynamic	NOUN
ajbmeb-1781	5	23	of	of	ADP
ajbmeb-1781	5	24	the	the	DET
ajbmeb-1781	5	25	industry	industry	NOUN
ajbmeb-1781	5	26	and	and	CCONJ
ajbmeb-1781	5	27	the	the	DET
ajbmeb-1781	5	28	characteristics	characteristic	NOUN
ajbmeb-1781	5	29	of	of	ADP
ajbmeb-1781	5	30	insurance	insurance	NOUN
ajbmeb-1781	5	31	products	product	NOUN
ajbmeb-1781	5	32	.	.	PUNCT
ajbmeb-1781	6	1	insurance	insurance	NOUN
ajbmeb-1781	6	2	activity	activity	NOUN
ajbmeb-1781	6	3	,	,	PUNCT
ajbmeb-1781	6	4	insurance	insurance	NOUN
ajbmeb-1781	6	5	interest	interest	NOUN
ajbmeb-1781	6	6	,	,	PUNCT
ajbmeb-1781	6	7	insurance	insurance	NOUN
ajbmeb-1781	6	8	premium	premium	NOUN
ajbmeb-1781	6	9	,	,	PUNCT
ajbmeb-1781	6	10	insurance	insurance	NOUN
ajbmeb-1781	6	11	franchise	franchise	NOUN
ajbmeb-1781	6	12	,	,	PUNCT
ajbmeb-1781	6	13	insurance	insurance	NOUN
ajbmeb-1781	6	14	market	market	NOUN
ajbmeb-1781	6	15	,	,	PUNCT
ajbmeb-1781	6	16	insurance	insurance	NOUN
ajbmeb-1781	6	17	products	product	NOUN
ajbmeb-1781	6	18	,	,	PUNCT
ajbmeb-1781	6	19	subrogation	subrogation	NOUN
ajbmeb-1781	6	20	,	,	PUNCT
ajbmeb-1781	6	21	acquisition	acquisition	NOUN
ajbmeb-1781	6	22	,	,	PUNCT
ajbmeb-1781	6	23	insurance	insurance	NOUN
ajbmeb-1781	6	24	contract	contract	NOUN
ajbmeb-1781	6	25	,	,	PUNCT
ajbmeb-1781	6	26	income	income	NOUN
ajbmeb-1781	6	27	,	,	PUNCT
ajbmeb-1781	6	28	property	property	NOUN
ajbmeb-1781	6	29	,	,	PUNCT
ajbmeb-1781	6	30	property	property	NOUN
ajbmeb-1781	6	31	interest	interest	NOUN
ajbmeb-1781	6	32	,	,	PUNCT
ajbmeb-1781	6	33	liability	liability	NOUN
ajbmeb-1781	6	34	,	,	PUNCT
ajbmeb-1781	6	35	insurance	insurance	NOUN
ajbmeb-1781	6	36	,	,	PUNCT
ajbmeb-1781	6	37	policyholder	policyholder	NOUN
ajbmeb-1781	6	38	,	,	PUNCT
ajbmeb-1781	6	39	insurer	insurer	NOUN
ajbmeb-1781	6	40	introduction	introduction	NOUN
ajbmeb-1781	6	41	we	we	PRON
ajbmeb-1781	6	42	consider	consider	VERB
ajbmeb-1781	6	43	the	the	DET
ajbmeb-1781	6	44	operating	operating	NOUN
ajbmeb-1781	6	45	conditions	condition	NOUN
ajbmeb-1781	6	46	for	for	ADP
ajbmeb-1781	6	47	uzbek	uzbek	ADJ
ajbmeb-1781	6	48	insurance	insurance	NOUN
ajbmeb-1781	6	49	companies	company	NOUN
ajbmeb-1781	6	50	to	to	PART
ajbmeb-1781	6	51	be	be	AUX
ajbmeb-1781	6	52	unfavorable	unfavorable	ADJ
ajbmeb-1781	6	53	,	,	PUNCT
ajbmeb-1781	6	54	taking	take	VERB
ajbmeb-1781	6	55	into	into	ADP
ajbmeb-1781	6	56	account	account	NOUN
ajbmeb-1781	6	57	the	the	DET
ajbmeb-1781	6	58	introduction	introduction	NOUN
ajbmeb-1781	6	59	of	of	ADP
ajbmeb-1781	6	60	restrictive	restrictive	ADJ
ajbmeb-1781	6	61	measures	measure	NOUN
ajbmeb-1781	6	62	in	in	ADP
ajbmeb-1781	6	63	2020	2020	NUM
ajbmeb-1781	6	64	,	,	PUNCT
ajbmeb-1781	6	65	the	the	DET
ajbmeb-1781	6	66	low	low	ADJ
ajbmeb-1781	6	67	level	level	NOUN
ajbmeb-1781	6	68	of	of	ADP
ajbmeb-1781	6	69	penetration	penetration	NOUN
ajbmeb-1781	6	70	of	of	ADP
ajbmeb-1781	6	71	insurance	insurance	NOUN
ajbmeb-1781	6	72	services	service	NOUN
ajbmeb-1781	6	73	and	and	CCONJ
ajbmeb-1781	6	74	only	only	ADV
ajbmeb-1781	6	75	moderate	moderate	ADJ
ajbmeb-1781	6	76	prospects	prospect	NOUN
ajbmeb-1781	6	77	for	for	ADP
ajbmeb-1781	6	78	economic	economic	ADJ
ajbmeb-1781	6	79	growth	growth	NOUN
ajbmeb-1781	6	80	in	in	ADP
ajbmeb-1781	6	81	2020	2020	NUM
ajbmeb-1781	6	82	,	,	PUNCT
ajbmeb-1781	6	83	although	although	SCONJ
ajbmeb-1781	6	84	they	they	PRON
ajbmeb-1781	6	85	are	be	AUX
ajbmeb-1781	6	86	better	well	ADJ
ajbmeb-1781	6	87	than	than	ADP
ajbmeb-1781	6	88	in	in	ADP
ajbmeb-1781	6	89	some	some	DET
ajbmeb-1781	6	90	other	other	ADJ
ajbmeb-1781	6	91	developed	develop	VERB
ajbmeb-1781	6	92	and	and	CCONJ
ajbmeb-1781	6	93	emerging	emerge	VERB
ajbmeb-1781	6	94	markets	market	NOUN
ajbmeb-1781	6	95	.	.	PUNCT
ajbmeb-1781	7	1	we	we	PRON
ajbmeb-1781	7	2	expect	expect	VERB
ajbmeb-1781	7	3	economic	economic	ADJ
ajbmeb-1781	7	4	growth	growth	NOUN
ajbmeb-1781	7	5	in	in	ADP
ajbmeb-1781	7	6	uzbekistan	uzbekistan	PROPN
ajbmeb-1781	7	7	to	to	PART
ajbmeb-1781	7	8	be	be	AUX
ajbmeb-1781	7	9	only	only	ADV
ajbmeb-1781	7	10	1.0	1.0	NUM
ajbmeb-1781	7	11	%	%	NOUN
ajbmeb-1781	7	12	(	(	PUNCT
ajbmeb-1781	7	13	compared	compare	VERB
ajbmeb-1781	7	14	to	to	ADP
ajbmeb-1781	7	15	5.6	5.6	NUM
ajbmeb-1781	7	16	%	%	NOUN
ajbmeb-1781	7	17	previously	previously	ADV
ajbmeb-1781	7	18	)	)	PUNCT
ajbmeb-1781	7	19	,	,	PUNCT
ajbmeb-1781	7	20	reflecting	reflect	VERB
ajbmeb-1781	7	21	the	the	DET
ajbmeb-1781	7	22	negative	negative	ADJ
ajbmeb-1781	7	23	impact	impact	NOUN
ajbmeb-1781	7	24	of	of	ADP
ajbmeb-1781	7	25	measures	measure	NOUN
ajbmeb-1781	7	26	to	to	PART
ajbmeb-1781	7	27	contain	contain	VERB
ajbmeb-1781	7	28	the	the	DET
ajbmeb-1781	7	29	covid-19	covid-19	PROPN
ajbmeb-1781	7	30	pandemic	pandemic	NOUN
ajbmeb-1781	7	31	on	on	ADP
ajbmeb-1781	7	32	domestic	domestic	ADJ
ajbmeb-1781	7	33	and	and	CCONJ
ajbmeb-1781	7	34	external	external	ADJ
ajbmeb-1781	7	35	demand	demand	NOUN
ajbmeb-1781	7	36	.	.	PUNCT
ajbmeb-1781	8	1	at	at	ADP
ajbmeb-1781	8	2	the	the	DET
ajbmeb-1781	8	3	same	same	ADJ
ajbmeb-1781	8	4	time	time	NOUN
ajbmeb-1781	8	5	,	,	PUNCT
ajbmeb-1781	8	6	the	the	DET
ajbmeb-1781	8	7	risks	risk	NOUN
ajbmeb-1781	8	8	of	of	ADP
ajbmeb-1781	8	9	deterioration	deterioration	NOUN
ajbmeb-1781	8	10	in	in	ADP
ajbmeb-1781	8	11	the	the	DET
ajbmeb-1781	8	12	forecasts	forecast	NOUN
ajbmeb-1781	8	13	of	of	ADP
ajbmeb-1781	8	14	our	our	PRON
ajbmeb-1781	8	15	baseline	baseline	PROPN
ajbmeb-1781	8	16	scenario	scenario	NOUN
ajbmeb-1781	8	17	remain	remain	VERB
ajbmeb-1781	8	18	.	.	PUNCT
ajbmeb-1781	9	1	the	the	DET
ajbmeb-1781	9	2	impact	impact	NOUN
ajbmeb-1781	9	3	of	of	ADP
ajbmeb-1781	9	4	the	the	DET
ajbmeb-1781	9	5	covid-19	covid-19	PROPN
ajbmeb-1781	9	6	pandemic	pandemic	NOUN
ajbmeb-1781	9	7	on	on	ADP
ajbmeb-1781	9	8	uzbekistan	uzbekistan	PROPN
ajbmeb-1781	9	9	's	's	PART
ajbmeb-1781	9	10	economic	economic	ADJ
ajbmeb-1781	9	11	performance	performance	NOUN
ajbmeb-1781	9	12	is	be	AUX
ajbmeb-1781	9	13	still	still	ADV
ajbmeb-1781	9	14	difficult	difficult	ADJ
ajbmeb-1781	9	15	to	to	PART
ajbmeb-1781	9	16	assess	assess	VERB
ajbmeb-1781	9	17	,	,	PUNCT
ajbmeb-1781	9	18	and	and	CCONJ
ajbmeb-1781	9	19	the	the	DET
ajbmeb-1781	9	20	consequences	consequence	NOUN
ajbmeb-1781	9	21	of	of	ADP
ajbmeb-1781	9	22	the	the	DET
ajbmeb-1781	9	23	current	current	ADJ
ajbmeb-1781	9	24	situation	situation	NOUN
ajbmeb-1781	9	25	may	may	AUX
ajbmeb-1781	9	26	be	be	AUX
ajbmeb-1781	9	27	worse	bad	ADJ
ajbmeb-1781	9	28	than	than	SCONJ
ajbmeb-1781	9	29	we	we	PRON
ajbmeb-1781	9	30	currently	currently	ADV
ajbmeb-1781	9	31	assume	assume	VERB
ajbmeb-1781	9	32	.	.	PUNCT
ajbmeb-1781	10	1	the	the	DET
ajbmeb-1781	10	2	pace	pace	NOUN
ajbmeb-1781	10	3	of	of	ADP
ajbmeb-1781	10	4	economic	economic	ADJ
ajbmeb-1781	10	5	recovery	recovery	NOUN
ajbmeb-1781	10	6	will	will	AUX
ajbmeb-1781	10	7	also	also	ADV
ajbmeb-1781	10	8	depend	depend	VERB
ajbmeb-1781	10	9	on	on	ADP
ajbmeb-1781	10	10	policy	policy	NOUN
ajbmeb-1781	10	11	measures	measure	NOUN
ajbmeb-1781	10	12	aimed	aim	VERB
ajbmeb-1781	10	13	at	at	ADP
ajbmeb-1781	10	14	limiting	limit	VERB
ajbmeb-1781	10	15	the	the	DET
ajbmeb-1781	10	16	effects	effect	NOUN
ajbmeb-1781	10	17	of	of	ADP
ajbmeb-1781	10	18	stress	stress	NOUN
ajbmeb-1781	10	19	factors	factor	NOUN
ajbmeb-1781	10	20	and	and	CCONJ
ajbmeb-1781	10	21	supporting	support	VERB
ajbmeb-1781	10	22	the	the	DET
ajbmeb-1781	10	23	economy	economy	NOUN
ajbmeb-1781	10	24	and	and	CCONJ
ajbmeb-1781	10	25	households	household	NOUN
ajbmeb-1781	10	26	.	.	PUNCT
ajbmeb-1781	11	1	indicators	indicator	NOUN
ajbmeb-1781	11	2	of	of	ADP
ajbmeb-1781	11	3	the	the	DET
ajbmeb-1781	11	4	well	well	ADV
ajbmeb-1781	11	5	-	-	PUNCT
ajbmeb-1781	11	6	being	being	NOUN
ajbmeb-1781	11	7	of	of	ADP
ajbmeb-1781	11	8	the	the	DET
ajbmeb-1781	11	9	population	population	NOUN
ajbmeb-1781	11	10	in	in	ADP
ajbmeb-1781	11	11	uzbekistan	uzbekistan	PROPN
ajbmeb-1781	11	12	remain	remain	VERB
ajbmeb-1781	11	13	low	low	ADJ
ajbmeb-1781	11	14	in	in	ADP
ajbmeb-1781	11	15	real	real	ADJ
ajbmeb-1781	11	16	terms	term	NOUN
ajbmeb-1781	11	17	:	:	PUNCT
ajbmeb-1781	11	18	gdp	gdp	NOUN
ajbmeb-1781	11	19	per	per	ADP
ajbmeb-1781	11	20	capita	capita	NOUN
ajbmeb-1781	11	21	was	be	AUX
ajbmeb-1781	11	22	about	about	ADV
ajbmeb-1781	11	23	$	$	SYM
ajbmeb-1781	11	24	1,585	1,585	NUM
ajbmeb-1781	11	25	at	at	ADP
ajbmeb-1781	11	26	the	the	DET
ajbmeb-1781	11	27	end	end	NOUN
ajbmeb-1781	11	28	of	of	ADP
ajbmeb-1781	11	29	2019	2019	NUM
ajbmeb-1781	11	30	.	.	PUNCT
ajbmeb-1781	12	1	the	the	DET
ajbmeb-1781	12	2	population	population	NOUN
ajbmeb-1781	12	3	mainly	mainly	ADV
ajbmeb-1781	12	4	purchases	purchase	VERB
ajbmeb-1781	12	5	basic	basic	ADJ
ajbmeb-1781	12	6	necessities	necessity	NOUN
ajbmeb-1781	12	7	,	,	PUNCT
ajbmeb-1781	12	8	not	not	PART
ajbmeb-1781	12	9	insurance	insurance	NOUN
ajbmeb-1781	12	10	services	service	NOUN
ajbmeb-1781	12	11	,	,	PUNCT
ajbmeb-1781	12	12	therefore	therefore	ADV
ajbmeb-1781	12	13	they	they	PRON
ajbmeb-1781	12	14	do	do	AUX
ajbmeb-1781	12	15	not	not	PART
ajbmeb-1781	12	16	always	always	ADV
ajbmeb-1781	12	17	buy	buy	VERB
ajbmeb-1781	12	18	adequate	adequate	ADJ
ajbmeb-1781	12	19	insurance	insurance	NOUN
ajbmeb-1781	12	20	coverage	coverage	NOUN
ajbmeb-1781	12	21	or	or	CCONJ
ajbmeb-1781	12	22	do	do	AUX
ajbmeb-1781	12	23	not	not	PART
ajbmeb-1781	12	24	buy	buy	VERB
ajbmeb-1781	12	25	it	it	PRON
ajbmeb-1781	12	26	at	at	ADV
ajbmeb-1781	12	27	all	all	ADV
ajbmeb-1781	12	28	.	.	PUNCT
ajbmeb-1781	13	1	this	this	DET
ajbmeb-1781	13	2	circumstance	circumstance	NOUN
ajbmeb-1781	13	3	,	,	PUNCT
ajbmeb-1781	13	4	as	as	ADV
ajbmeb-1781	13	5	well	well	ADV
ajbmeb-1781	13	6	as	as	ADP
ajbmeb-1781	13	7	the	the	DET
ajbmeb-1781	13	8	low	low	ADJ
ajbmeb-1781	13	9	financial	financial	ADJ
ajbmeb-1781	13	10	literacy	literacy	NOUN
ajbmeb-1781	13	11	of	of	ADP
ajbmeb-1781	13	12	the	the	DET
ajbmeb-1781	13	13	population	population	NOUN
ajbmeb-1781	13	14	,	,	PUNCT
ajbmeb-1781	13	15	hinder	hinder	VERB
ajbmeb-1781	13	16	the	the	DET
ajbmeb-1781	13	17	development	development	NOUN
ajbmeb-1781	13	18	of	of	ADP
ajbmeb-1781	13	19	the	the	DET
ajbmeb-1781	13	20	general	general	ADJ
ajbmeb-1781	13	21	insurance	insurance	NOUN
ajbmeb-1781	13	22	sector	sector	NOUN
ajbmeb-1781	13	23	in	in	ADP
ajbmeb-1781	13	24	uzbekistan	uzbekistan	PROPN
ajbmeb-1781	13	25	.	.	PUNCT
ajbmeb-1781	14	1	as	as	ADP
ajbmeb-1781	14	2	a	a	DET
ajbmeb-1781	14	3	result	result	NOUN
ajbmeb-1781	14	4	,	,	PUNCT
ajbmeb-1781	14	5	the	the	DET
ajbmeb-1781	14	6	portfolios	portfolio	NOUN
ajbmeb-1781	14	7	of	of	ADP
ajbmeb-1781	14	8	uzbek	uzbek	PROPN
ajbmeb-1781	14	9	companies	company	NOUN
ajbmeb-1781	14	10	engaged	engage	VERB
ajbmeb-1781	14	11	in	in	ADP
ajbmeb-1781	14	12	general	general	ADJ
ajbmeb-1781	14	13	insurance	insurance	NOUN
ajbmeb-1781	14	14	are	be	AUX
ajbmeb-1781	14	15	dominated	dominate	VERB
ajbmeb-1781	14	16	by	by	ADP
ajbmeb-1781	14	17	simple	simple	ADJ
ajbmeb-1781	14	18	insurance	insurance	NOUN
ajbmeb-1781	14	19	products	product	NOUN
ajbmeb-1781	14	20	.	.	PUNCT
ajbmeb-1781	15	1	we	we	PRON
ajbmeb-1781	15	2	note	note	VERB
ajbmeb-1781	15	3	that	that	SCONJ
ajbmeb-1781	15	4	the	the	DET
ajbmeb-1781	15	5	country	country	NOUN
ajbmeb-1781	15	6	's	's	PART
ajbmeb-1781	15	7	insurance	insurance	NOUN
ajbmeb-1781	15	8	sector	sector	NOUN
ajbmeb-1781	15	9	is	be	AUX
ajbmeb-1781	15	10	still	still	ADV
ajbmeb-1781	15	11	characterized	characterize	VERB
ajbmeb-1781	15	12	by	by	ADP
ajbmeb-1781	15	13	a	a	DET
ajbmeb-1781	15	14	relatively	relatively	ADV
ajbmeb-1781	15	15	low	low	ADJ
ajbmeb-1781	15	16	level	level	NOUN
ajbmeb-1781	15	17	of	of	ADP
ajbmeb-1781	15	18	maturity	maturity	NOUN
ajbmeb-1781	15	19	and	and	CCONJ
ajbmeb-1781	15	20	penetration	penetration	NOUN
ajbmeb-1781	15	21	of	of	ADP
ajbmeb-1781	15	22	insurance	insurance	NOUN
ajbmeb-1781	15	23	services	service	NOUN
ajbmeb-1781	15	24	.	.	PUNCT
ajbmeb-1781	16	1	american	american	ADJ
ajbmeb-1781	16	2	journal	journal	PROPN
ajbmeb-1781	16	3	of	of	ADP
ajbmeb-1781	16	4	business	business	NOUN
ajbmeb-1781	16	5	management	management	NOUN
ajbmeb-1781	16	6	,	,	PUNCT
ajbmeb-1781	16	7	economics	economic	NOUN
ajbmeb-1781	16	8	and	and	CCONJ
ajbmeb-1781	16	9	banking	banking	NOUN
ajbmeb-1781	16	10	volume	volume	NOUN
ajbmeb-1781	16	11	20	20	NUM
ajbmeb-1781	16	12	january	january	PROPN
ajbmeb-1781	16	13	,	,	PUNCT
ajbmeb-1781	16	14	2024	2024	NUM
ajbmeb-1781	16	15	p	p	NOUN
ajbmeb-1781	16	16	a	a	DET
ajbmeb-1781	16	17	g	g	NOUN
ajbmeb-1781	16	18	e	e	NOUN
ajbmeb-1781	17	1	|	|	ADV
ajbmeb-1781	17	2	244	244	NUM
ajbmeb-1781	17	3	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1781	17	4	the	the	DET
ajbmeb-1781	17	5	ratio	ratio	NOUN
ajbmeb-1781	17	6	of	of	ADP
ajbmeb-1781	17	7	the	the	DET
ajbmeb-1781	17	8	insurance	insurance	NOUN
ajbmeb-1781	17	9	premium	premium	NOUN
ajbmeb-1781	17	10	of	of	ADP
ajbmeb-1781	17	11	companies	company	NOUN
ajbmeb-1781	17	12	in	in	ADP
ajbmeb-1781	17	13	the	the	DET
ajbmeb-1781	17	14	general	general	ADJ
ajbmeb-1781	17	15	insurance	insurance	NOUN
ajbmeb-1781	17	16	sector	sector	NOUN
ajbmeb-1781	17	17	to	to	ADP
ajbmeb-1781	17	18	gdp	gdp	NOUN
ajbmeb-1781	17	19	was	be	AUX
ajbmeb-1781	17	20	0.34	0.34	NUM
ajbmeb-1781	17	21	%	%	NOUN
ajbmeb-1781	17	22	at	at	ADP
ajbmeb-1781	17	23	the	the	DET
ajbmeb-1781	17	24	end	end	NOUN
ajbmeb-1781	17	25	of	of	ADP
ajbmeb-1781	17	26	2019	2019	NUM
ajbmeb-1781	17	27	.	.	PUNCT
ajbmeb-1781	18	1	we	we	PRON
ajbmeb-1781	18	2	expect	expect	VERB
ajbmeb-1781	18	3	this	this	DET
ajbmeb-1781	18	4	indicator	indicator	NOUN
ajbmeb-1781	18	5	to	to	PART
ajbmeb-1781	18	6	remain	remain	VERB
ajbmeb-1781	18	7	at	at	ADP
ajbmeb-1781	18	8	a	a	DET
ajbmeb-1781	18	9	low	low	ADJ
ajbmeb-1781	18	10	level	level	NOUN
ajbmeb-1781	18	11	in	in	ADP
ajbmeb-1781	18	12	the	the	DET
ajbmeb-1781	18	13	future	future	NOUN
ajbmeb-1781	18	14	.	.	PUNCT
ajbmeb-1781	19	1	the	the	DET
ajbmeb-1781	19	2	low	low	ADJ
ajbmeb-1781	19	3	level	level	NOUN
ajbmeb-1781	19	4	of	of	ADP
ajbmeb-1781	19	5	financial	financial	ADJ
ajbmeb-1781	19	6	literacy	literacy	NOUN
ajbmeb-1781	19	7	also	also	ADV
ajbmeb-1781	19	8	hinders	hinder	VERB
ajbmeb-1781	19	9	the	the	DET
ajbmeb-1781	19	10	development	development	NOUN
ajbmeb-1781	19	11	of	of	ADP
ajbmeb-1781	19	12	the	the	DET
ajbmeb-1781	19	13	insurance	insurance	NOUN
ajbmeb-1781	19	14	sector	sector	NOUN
ajbmeb-1781	19	15	in	in	ADP
ajbmeb-1781	19	16	uzbekistan	uzbekistan	PROPN
ajbmeb-1781	19	17	.	.	PUNCT
ajbmeb-1781	20	1	the	the	DET
ajbmeb-1781	20	2	volume	volume	NOUN
ajbmeb-1781	20	3	of	of	ADP
ajbmeb-1781	20	4	public	public	ADJ
ajbmeb-1781	20	5	spending	spending	NOUN
ajbmeb-1781	20	6	on	on	ADP
ajbmeb-1781	20	7	insurance	insurance	NOUN
ajbmeb-1781	20	8	services	service	NOUN
ajbmeb-1781	20	9	averages	average	VERB
ajbmeb-1781	20	10	$	$	SYM
ajbmeb-1781	20	11	5	5	NUM
ajbmeb-1781	20	12	per	per	ADP
ajbmeb-1781	20	13	capita	capita	NOUN
ajbmeb-1781	20	14	,	,	PUNCT
ajbmeb-1781	20	15	which	which	PRON
ajbmeb-1781	20	16	is	be	AUX
ajbmeb-1781	20	17	significantly	significantly	ADV
ajbmeb-1781	20	18	lower	low	ADJ
ajbmeb-1781	20	19	than	than	ADP
ajbmeb-1781	20	20	in	in	ADP
ajbmeb-1781	20	21	developed	develop	VERB
ajbmeb-1781	20	22	insurance	insurance	NOUN
ajbmeb-1781	20	23	markets	market	NOUN
ajbmeb-1781	20	24	(	(	PUNCT
ajbmeb-1781	20	25	more	more	ADJ
ajbmeb-1781	20	26	than	than	ADP
ajbmeb-1781	20	27	$	$	SYM
ajbmeb-1781	20	28	2,000	2,000	NUM
ajbmeb-1781	20	29	)	)	PUNCT
ajbmeb-1781	20	30	and	and	CCONJ
ajbmeb-1781	20	31	even	even	ADV
ajbmeb-1781	20	32	in	in	ADP
ajbmeb-1781	20	33	developing	develop	VERB
ajbmeb-1781	20	34	countries	country	NOUN
ajbmeb-1781	20	35	such	such	ADJ
ajbmeb-1781	20	36	as	as	ADP
ajbmeb-1781	20	37	kazakhstan	kazakhstan	PROPN
ajbmeb-1781	20	38	,	,	PUNCT
ajbmeb-1781	20	39	angola	angola	PROPN
ajbmeb-1781	20	40	,	,	PUNCT
ajbmeb-1781	20	41	kenya	kenya	PROPN
ajbmeb-1781	20	42	and	and	CCONJ
ajbmeb-1781	20	43	india	india	PROPN
ajbmeb-1781	20	44	(	(	PUNCT
ajbmeb-1781	20	45	less	less	ADJ
ajbmeb-1781	20	46	than	than	ADP
ajbmeb-1781	20	47	$	$	SYM
ajbmeb-1781	20	48	50	50	NUM
ajbmeb-1781	20	49	)	)	PUNCT
ajbmeb-1781	20	50	.	.	PUNCT
ajbmeb-1781	21	1	the	the	DET
ajbmeb-1781	21	2	credit	credit	NOUN
ajbmeb-1781	21	3	quality	quality	NOUN
ajbmeb-1781	21	4	indicators	indicator	NOUN
ajbmeb-1781	21	5	of	of	ADP
ajbmeb-1781	21	6	the	the	DET
ajbmeb-1781	21	7	banking	banking	NOUN
ajbmeb-1781	21	8	sector	sector	NOUN
ajbmeb-1781	21	9	of	of	ADP
ajbmeb-1781	21	10	uzbekistan	uzbekistan	PROPN
ajbmeb-1781	21	11	have	have	VERB
ajbmeb-1781	21	12	a	a	DET
ajbmeb-1781	21	13	negative	negative	ADJ
ajbmeb-1781	21	14	impact	impact	NOUN
ajbmeb-1781	21	15	on	on	ADP
ajbmeb-1781	21	16	the	the	DET
ajbmeb-1781	21	17	asset	asset	NOUN
ajbmeb-1781	21	18	quality	quality	NOUN
ajbmeb-1781	21	19	indicators	indicator	NOUN
ajbmeb-1781	21	20	of	of	ADP
ajbmeb-1781	21	21	insurance	insurance	NOUN
ajbmeb-1781	21	22	companies	company	NOUN
ajbmeb-1781	21	23	.	.	PUNCT
ajbmeb-1781	22	1	the	the	DET
ajbmeb-1781	22	2	basic	basic	ADJ
ajbmeb-1781	22	3	rating	rating	NOUN
ajbmeb-1781	22	4	level	level	NOUN
ajbmeb-1781	22	5	of	of	ADP
ajbmeb-1781	22	6	commercial	commercial	ADJ
ajbmeb-1781	22	7	banks	bank	NOUN
ajbmeb-1781	22	8	operating	operate	VERB
ajbmeb-1781	22	9	only	only	ADV
ajbmeb-1781	22	10	in	in	ADP
ajbmeb-1781	22	11	uzbekistan	uzbekistan	PROPN
ajbmeb-1781	22	12	(	(	PUNCT
ajbmeb-1781	22	13	"	"	PUNCT
ajbmeb-1781	22	14	b+	b+	X
ajbmeb-1781	22	15	"	"	PUNCT
ajbmeb-1781	22	16	)	)	PUNCT
ajbmeb-1781	22	17	is	be	AUX
ajbmeb-1781	22	18	low	low	ADJ
ajbmeb-1781	22	19	in	in	ADP
ajbmeb-1781	22	20	the	the	DET
ajbmeb-1781	22	21	international	international	ADJ
ajbmeb-1781	22	22	context	context	NOUN
ajbmeb-1781	22	23	.	.	PUNCT
ajbmeb-1781	23	1	insurance	insurance	NOUN
ajbmeb-1781	23	2	companies	company	NOUN
ajbmeb-1781	23	3	are	be	AUX
ajbmeb-1781	23	4	exposed	expose	VERB
ajbmeb-1781	23	5	to	to	ADP
ajbmeb-1781	23	6	credit	credit	NOUN
ajbmeb-1781	23	7	and	and	CCONJ
ajbmeb-1781	23	8	market	market	NOUN
ajbmeb-1781	23	9	risks	risk	NOUN
ajbmeb-1781	23	10	associated	associate	VERB
ajbmeb-1781	23	11	with	with	ADP
ajbmeb-1781	23	12	the	the	DET
ajbmeb-1781	23	13	banking	banking	NOUN
ajbmeb-1781	23	14	sector	sector	NOUN
ajbmeb-1781	23	15	,	,	PUNCT
ajbmeb-1781	23	16	in	in	ADP
ajbmeb-1781	23	17	which	which	PRON
ajbmeb-1781	23	18	they	they	PRON
ajbmeb-1781	23	19	invest	invest	VERB
ajbmeb-1781	23	20	the	the	DET
ajbmeb-1781	23	21	bulk	bulk	NOUN
ajbmeb-1781	23	22	of	of	ADP
ajbmeb-1781	23	23	their	their	PRON
ajbmeb-1781	23	24	assets	asset	NOUN
ajbmeb-1781	23	25	.	.	PUNCT
ajbmeb-1781	24	1	the	the	DET
ajbmeb-1781	24	2	regulatory	regulatory	ADJ
ajbmeb-1781	24	3	regime	regime	NOUN
ajbmeb-1781	24	4	applicable	applicable	ADJ
ajbmeb-1781	24	5	to	to	ADP
ajbmeb-1781	24	6	the	the	DET
ajbmeb-1781	24	7	uzbek	uzbek	PROPN
ajbmeb-1781	24	8	insurance	insurance	NOUN
ajbmeb-1781	24	9	sector	sector	NOUN
ajbmeb-1781	24	10	does	do	AUX
ajbmeb-1781	24	11	not	not	PART
ajbmeb-1781	24	12	limit	limit	VERB
ajbmeb-1781	24	13	the	the	DET
ajbmeb-1781	24	14	entry	entry	NOUN
ajbmeb-1781	24	15	of	of	ADP
ajbmeb-1781	24	16	new	new	ADJ
ajbmeb-1781	24	17	companies	company	NOUN
ajbmeb-1781	24	18	into	into	ADP
ajbmeb-1781	24	19	the	the	DET
ajbmeb-1781	24	20	market	market	NOUN
ajbmeb-1781	24	21	.	.	PUNCT
ajbmeb-1781	25	1	over	over	ADP
ajbmeb-1781	25	2	the	the	DET
ajbmeb-1781	25	3	past	past	ADJ
ajbmeb-1781	25	4	five	five	NUM
ajbmeb-1781	25	5	years	year	NOUN
ajbmeb-1781	25	6	,	,	PUNCT
ajbmeb-1781	25	7	the	the	DET
ajbmeb-1781	25	8	number	number	NOUN
ajbmeb-1781	25	9	of	of	ADP
ajbmeb-1781	25	10	general	general	ADJ
ajbmeb-1781	25	11	insurance	insurance	NOUN
ajbmeb-1781	25	12	companies	company	NOUN
ajbmeb-1781	25	13	has	have	AUX
ajbmeb-1781	25	14	increased	increase	VERB
ajbmeb-1781	25	15	from	from	ADP
ajbmeb-1781	25	16	23	23	NUM
ajbmeb-1781	25	17	to	to	PART
ajbmeb-1781	25	18	28	28	NUM
ajbmeb-1781	25	19	.	.	PUNCT
ajbmeb-1781	26	1	we	we	PRON
ajbmeb-1781	26	2	note	note	VERB
ajbmeb-1781	26	3	the	the	DET
ajbmeb-1781	26	4	high	high	ADJ
ajbmeb-1781	26	5	concentration	concentration	NOUN
ajbmeb-1781	26	6	of	of	ADP
ajbmeb-1781	26	7	the	the	DET
ajbmeb-1781	26	8	country	country	NOUN
ajbmeb-1781	26	9	's	's	PART
ajbmeb-1781	26	10	insurance	insurance	NOUN
ajbmeb-1781	26	11	sector	sector	NOUN
ajbmeb-1781	26	12	:	:	PUNCT
ajbmeb-1781	26	13	the	the	DET
ajbmeb-1781	26	14	five	five	NUM
ajbmeb-1781	26	15	largest	large	ADJ
ajbmeb-1781	26	16	companies	company	NOUN
ajbmeb-1781	26	17	control	control	VERB
ajbmeb-1781	26	18	56	56	NUM
ajbmeb-1781	26	19	%	%	NOUN
ajbmeb-1781	26	20	of	of	ADP
ajbmeb-1781	26	21	the	the	DET
ajbmeb-1781	26	22	general	general	ADJ
ajbmeb-1781	26	23	insurance	insurance	NOUN
ajbmeb-1781	26	24	market	market	NOUN
ajbmeb-1781	26	25	.	.	PUNCT
ajbmeb-1781	27	1	in	in	ADP
ajbmeb-1781	27	2	our	our	PRON
ajbmeb-1781	27	3	opinion	opinion	NOUN
ajbmeb-1781	27	4	,	,	PUNCT
ajbmeb-1781	27	5	the	the	DET
ajbmeb-1781	27	6	major	major	ADJ
ajbmeb-1781	27	7	players	player	NOUN
ajbmeb-1781	27	8	have	have	VERB
ajbmeb-1781	27	9	more	more	ADV
ajbmeb-1781	27	10	recognizable	recognizable	ADJ
ajbmeb-1781	27	11	brands	brand	NOUN
ajbmeb-1781	27	12	and	and	CCONJ
ajbmeb-1781	27	13	enjoy	enjoy	VERB
ajbmeb-1781	27	14	the	the	DET
ajbmeb-1781	27	15	benefits	benefit	NOUN
ajbmeb-1781	27	16	associated	associate	VERB
ajbmeb-1781	27	17	with	with	ADP
ajbmeb-1781	27	18	greater	great	ADJ
ajbmeb-1781	27	19	customer	customer	NOUN
ajbmeb-1781	27	20	awareness	awareness	NOUN
ajbmeb-1781	27	21	of	of	ADP
ajbmeb-1781	27	22	their	their	PRON
ajbmeb-1781	27	23	insurance	insurance	NOUN
ajbmeb-1781	27	24	products	product	NOUN
ajbmeb-1781	27	25	,	,	PUNCT
ajbmeb-1781	27	26	as	as	ADV
ajbmeb-1781	27	27	well	well	ADV
ajbmeb-1781	27	28	as	as	ADP
ajbmeb-1781	27	29	the	the	DET
ajbmeb-1781	27	30	presence	presence	NOUN
ajbmeb-1781	27	31	of	of	ADP
ajbmeb-1781	27	32	sales	sale	NOUN
ajbmeb-1781	27	33	networks	network	NOUN
ajbmeb-1781	27	34	that	that	PRON
ajbmeb-1781	27	35	these	these	DET
ajbmeb-1781	27	36	companies	company	NOUN
ajbmeb-1781	27	37	effectively	effectively	ADV
ajbmeb-1781	27	38	manage	manage	VERB
ajbmeb-1781	27	39	.	.	PUNCT
ajbmeb-1781	28	1	we	we	PRON
ajbmeb-1781	28	2	note	note	VERB
ajbmeb-1781	28	3	that	that	SCONJ
ajbmeb-1781	28	4	state	state	NOUN
ajbmeb-1781	28	5	insurance	insurance	NOUN
ajbmeb-1781	28	6	companies	company	NOUN
ajbmeb-1781	28	7	account	account	VERB
ajbmeb-1781	28	8	for	for	ADP
ajbmeb-1781	28	9	40	40	NUM
ajbmeb-1781	28	10	%	%	NOUN
ajbmeb-1781	28	11	of	of	ADP
ajbmeb-1781	28	12	the	the	DET
ajbmeb-1781	28	13	gross	gross	ADJ
ajbmeb-1781	28	14	subscribed	subscribe	VERB
ajbmeb-1781	28	15	insurance	insurance	NOUN
ajbmeb-1781	28	16	premium	premium	NOUN
ajbmeb-1781	28	17	in	in	ADP
ajbmeb-1781	28	18	the	the	DET
ajbmeb-1781	28	19	general	general	ADJ
ajbmeb-1781	28	20	insurance	insurance	NOUN
ajbmeb-1781	28	21	segment	segment	NOUN
ajbmeb-1781	28	22	,	,	PUNCT
ajbmeb-1781	28	23	although	although	SCONJ
ajbmeb-1781	28	24	this	this	DET
ajbmeb-1781	28	25	share	share	NOUN
ajbmeb-1781	28	26	is	be	AUX
ajbmeb-1781	28	27	gradually	gradually	ADV
ajbmeb-1781	28	28	decreasing	decrease	VERB
ajbmeb-1781	28	29	.	.	PUNCT
ajbmeb-1781	29	1	the	the	DET
ajbmeb-1781	29	2	regulatory	regulatory	ADJ
ajbmeb-1781	29	3	body	body	NOUN
ajbmeb-1781	29	4	announced	announce	VERB
ajbmeb-1781	29	5	the	the	DET
ajbmeb-1781	29	6	gradual	gradual	ADJ
ajbmeb-1781	29	7	privatization	privatization	NOUN
ajbmeb-1781	29	8	of	of	ADP
ajbmeb-1781	29	9	the	the	DET
ajbmeb-1781	29	10	insurance	insurance	NOUN
ajbmeb-1781	29	11	sector	sector	NOUN
ajbmeb-1781	29	12	in	in	ADP
ajbmeb-1781	29	13	uzbekistan	uzbekistan	PROPN
ajbmeb-1781	29	14	,	,	PUNCT
ajbmeb-1781	29	15	putting	put	VERB
ajbmeb-1781	29	16	up	up	ADP
ajbmeb-1781	29	17	for	for	ADP
ajbmeb-1781	29	18	sale	sale	NOUN
ajbmeb-1781	29	19	a	a	DET
ajbmeb-1781	29	20	25	25	NUM
ajbmeb-1781	29	21	%	%	NOUN
ajbmeb-1781	29	22	stake	stake	NOUN
ajbmeb-1781	29	23	in	in	ADP
ajbmeb-1781	29	24	the	the	DET
ajbmeb-1781	29	25	capital	capital	NOUN
ajbmeb-1781	29	26	of	of	ADP
ajbmeb-1781	29	27	the	the	DET
ajbmeb-1781	29	28	state	state	NOUN
ajbmeb-1781	29	29	-	-	PUNCT
ajbmeb-1781	29	30	owned	own	VERB
ajbmeb-1781	29	31	kafolat	kafolat	NOUN
ajbmeb-1781	29	32	insurance	insurance	NOUN
ajbmeb-1781	29	33	company	company	NOUN
ajbmeb-1781	29	34	jsc	jsc	VERB
ajbmeb-1781	29	35	in	in	ADP
ajbmeb-1781	29	36	august	august	PROPN
ajbmeb-1781	29	37	2019	2019	NUM
ajbmeb-1781	29	38	.	.	PUNCT
ajbmeb-1781	30	1	a	a	DET
ajbmeb-1781	30	2	significant	significant	ADJ
ajbmeb-1781	30	3	part	part	NOUN
ajbmeb-1781	30	4	of	of	ADP
ajbmeb-1781	30	5	the	the	DET
ajbmeb-1781	30	6	signed	sign	VERB
ajbmeb-1781	30	7	gross	gross	ADJ
ajbmeb-1781	30	8	insurance	insurance	NOUN
ajbmeb-1781	30	9	premium	premium	NOUN
ajbmeb-1781	30	10	in	in	ADP
ajbmeb-1781	30	11	the	the	DET
ajbmeb-1781	30	12	general	general	ADJ
ajbmeb-1781	30	13	insurance	insurance	NOUN
ajbmeb-1781	30	14	segment	segment	NOUN
ajbmeb-1781	30	15	(	(	PUNCT
ajbmeb-1781	30	16	83	83	NUM
ajbmeb-1781	30	17	%	%	NOUN
ajbmeb-1781	30	18	)	)	PUNCT
ajbmeb-1781	30	19	falls	fall	VERB
ajbmeb-1781	30	20	on	on	ADP
ajbmeb-1781	30	21	three	three	NUM
ajbmeb-1781	30	22	main	main	ADJ
ajbmeb-1781	30	23	business	business	NOUN
ajbmeb-1781	30	24	lines	line	NOUN
ajbmeb-1781	30	25	:	:	PUNCT
ajbmeb-1781	30	26	property	property	NOUN
ajbmeb-1781	30	27	insurance	insurance	NOUN
ajbmeb-1781	30	28	(	(	PUNCT
ajbmeb-1781	30	29	35	35	NUM
ajbmeb-1781	30	30	%	%	NOUN
ajbmeb-1781	30	31	)	)	PUNCT
ajbmeb-1781	30	32	,	,	PUNCT
ajbmeb-1781	30	33	financial	financial	ADJ
ajbmeb-1781	30	34	risk	risk	NOUN
ajbmeb-1781	30	35	insurance	insurance	NOUN
ajbmeb-1781	30	36	(	(	PUNCT
ajbmeb-1781	30	37	31	31	NUM
ajbmeb-1781	30	38	%	%	NOUN
ajbmeb-1781	30	39	)	)	PUNCT
ajbmeb-1781	30	40	and	and	CCONJ
ajbmeb-1781	30	41	auto	auto	NOUN
ajbmeb-1781	30	42	insurance	insurance	NOUN
ajbmeb-1781	30	43	(	(	PUNCT
ajbmeb-1781	30	44	17	17	NUM
ajbmeb-1781	30	45	%	%	NOUN
ajbmeb-1781	30	46	)	)	PUNCT
ajbmeb-1781	30	47	,	,	PUNCT
ajbmeb-1781	30	48	and	and	CCONJ
ajbmeb-1781	30	49	we	we	PRON
ajbmeb-1781	30	50	expect	expect	VERB
ajbmeb-1781	30	51	that	that	SCONJ
ajbmeb-1781	30	52	this	this	DET
ajbmeb-1781	30	53	structure	structure	NOUN
ajbmeb-1781	30	54	of	of	ADP
ajbmeb-1781	30	55	insurance	insurance	NOUN
ajbmeb-1781	30	56	portfolios	portfolio	NOUN
ajbmeb-1781	30	57	will	will	AUX
ajbmeb-1781	30	58	not	not	PART
ajbmeb-1781	30	59	undergo	undergo	VERB
ajbmeb-1781	30	60	significant	significant	ADJ
ajbmeb-1781	30	61	changes	change	NOUN
ajbmeb-1781	30	62	in	in	ADP
ajbmeb-1781	30	63	the	the	DET
ajbmeb-1781	30	64	next	next	ADJ
ajbmeb-1781	30	65	two	two	NUM
ajbmeb-1781	30	66	yearsthree	yearsthree	ADJ
ajbmeb-1781	30	67	years	year	NOUN
ajbmeb-1781	30	68	.	.	PUNCT
ajbmeb-1781	31	1	corporate	corporate	ADJ
ajbmeb-1781	31	2	clients	client	NOUN
ajbmeb-1781	31	3	account	account	VERB
ajbmeb-1781	31	4	for	for	ADP
ajbmeb-1781	31	5	55	55	NUM
ajbmeb-1781	31	6	%	%	NOUN
ajbmeb-1781	31	7	of	of	ADP
ajbmeb-1781	31	8	the	the	DET
ajbmeb-1781	31	9	signed	sign	VERB
ajbmeb-1781	31	10	gross	gross	ADJ
ajbmeb-1781	31	11	insurance	insurance	NOUN
ajbmeb-1781	31	12	premium	premium	NOUN
ajbmeb-1781	31	13	.	.	PUNCT
ajbmeb-1781	32	1	compulsory	compulsory	ADJ
ajbmeb-1781	32	2	insurance	insurance	NOUN
ajbmeb-1781	32	3	,	,	PUNCT
ajbmeb-1781	32	4	in	in	ADP
ajbmeb-1781	32	5	particular	particular	ADJ
ajbmeb-1781	32	6	car	car	NOUN
ajbmeb-1781	32	7	insurance	insurance	NOUN
ajbmeb-1781	32	8	,	,	PUNCT
ajbmeb-1781	32	9	prevails	prevail	VERB
ajbmeb-1781	32	10	in	in	ADP
ajbmeb-1781	32	11	the	the	DET
ajbmeb-1781	32	12	segment	segment	NOUN
ajbmeb-1781	32	13	of	of	ADP
ajbmeb-1781	32	14	insurance	insurance	NOUN
ajbmeb-1781	32	15	for	for	ADP
ajbmeb-1781	32	16	individuals	individual	NOUN
ajbmeb-1781	32	17	.	.	PUNCT
ajbmeb-1781	33	1	however	however	ADV
ajbmeb-1781	33	2	,	,	PUNCT
ajbmeb-1781	33	3	we	we	PRON
ajbmeb-1781	33	4	expect	expect	VERB
ajbmeb-1781	33	5	that	that	SCONJ
ajbmeb-1781	33	6	the	the	DET
ajbmeb-1781	33	7	situation	situation	NOUN
ajbmeb-1781	33	8	may	may	AUX
ajbmeb-1781	33	9	gradually	gradually	ADV
ajbmeb-1781	33	10	change	change	VERB
ajbmeb-1781	33	11	.	.	PUNCT
ajbmeb-1781	34	1	we	we	PRON
ajbmeb-1781	34	2	positively	positively	ADV
ajbmeb-1781	34	3	assess	assess	VERB
ajbmeb-1781	34	4	the	the	DET
ajbmeb-1781	34	5	regulatory	regulatory	ADJ
ajbmeb-1781	34	6	authorities	authority	NOUN
ajbmeb-1781	34	7	'	'	PART
ajbmeb-1781	34	8	measures	measure	NOUN
ajbmeb-1781	34	9	aimed	aim	VERB
ajbmeb-1781	34	10	at	at	ADP
ajbmeb-1781	34	11	conducting	conduct	VERB
ajbmeb-1781	34	12	educational	educational	ADJ
ajbmeb-1781	34	13	programs	program	NOUN
ajbmeb-1781	34	14	to	to	PART
ajbmeb-1781	34	15	raise	raise	VERB
ajbmeb-1781	34	16	public	public	ADJ
ajbmeb-1781	34	17	awareness	awareness	NOUN
ajbmeb-1781	34	18	of	of	ADP
ajbmeb-1781	34	19	insurance	insurance	NOUN
ajbmeb-1781	34	20	services	service	NOUN
ajbmeb-1781	34	21	that	that	PRON
ajbmeb-1781	34	22	can	can	AUX
ajbmeb-1781	34	23	contribute	contribute	VERB
ajbmeb-1781	34	24	to	to	ADP
ajbmeb-1781	34	25	the	the	DET
ajbmeb-1781	34	26	development	development	NOUN
ajbmeb-1781	34	27	of	of	ADP
ajbmeb-1781	34	28	the	the	DET
ajbmeb-1781	34	29	insurance	insurance	NOUN
ajbmeb-1781	34	30	sector	sector	NOUN
ajbmeb-1781	34	31	in	in	ADP
ajbmeb-1781	34	32	uzbekistan	uzbekistan	PROPN
ajbmeb-1781	34	33	in	in	ADP
ajbmeb-1781	34	34	the	the	DET
ajbmeb-1781	34	35	medium	medium	ADJ
ajbmeb-1781	34	36	term	term	NOUN
ajbmeb-1781	34	37	.	.	PUNCT
ajbmeb-1781	35	1	literature	literature	NOUN
ajbmeb-1781	35	2	review	review	NOUN
ajbmeb-1781	35	3	of	of	ADP
ajbmeb-1781	35	4	course	course	NOUN
ajbmeb-1781	35	5	,	,	PUNCT
ajbmeb-1781	35	6	"	"	PUNCT
ajbmeb-1781	35	7	insurance	insurance	NOUN
ajbmeb-1781	35	8	"	"	PUNCT
ajbmeb-1781	35	9	as	as	SCONJ
ajbmeb-1781	35	10	a	a	DET
ajbmeb-1781	35	11	phenomenon	phenomenon	NOUN
ajbmeb-1781	35	12	did	do	AUX
ajbmeb-1781	35	13	not	not	PART
ajbmeb-1781	35	14	appear	appear	VERB
ajbmeb-1781	35	15	yesterday	yesterday	NOUN
ajbmeb-1781	35	16	or	or	CCONJ
ajbmeb-1781	35	17	today	today	NOUN
ajbmeb-1781	35	18	,	,	PUNCT
ajbmeb-1781	35	19	but	but	CCONJ
ajbmeb-1781	35	20	,	,	PUNCT
ajbmeb-1781	35	21	as	as	SCONJ
ajbmeb-1781	35	22	noted	note	VERB
ajbmeb-1781	35	23	by	by	ADP
ajbmeb-1781	35	24	economists	economist	NOUN
ajbmeb-1781	35	25	t.	t.	PROPN
ajbmeb-1781	35	26	malikov	malikov	PROPN
ajbmeb-1781	35	27	and	and	CCONJ
ajbmeb-1781	35	28	h.	h.	PROPN
ajbmeb-1781	35	29	shennaev	shennaev	PROPN
ajbmeb-1781	35	30	,	,	PUNCT
ajbmeb-1781	35	31	it	it	PRON
ajbmeb-1781	35	32	is	be	AUX
ajbmeb-1781	35	33	known	know	VERB
ajbmeb-1781	35	34	from	from	ADP
ajbmeb-1781	35	35	history	history	NOUN
ajbmeb-1781	35	36	that	that	PRON
ajbmeb-1781	35	37	even	even	ADV
ajbmeb-1781	35	38	at	at	ADP
ajbmeb-1781	35	39	the	the	DET
ajbmeb-1781	35	40	early	early	ADJ
ajbmeb-1781	35	41	stages	stage	NOUN
ajbmeb-1781	35	42	of	of	ADP
ajbmeb-1781	35	43	human	human	ADJ
ajbmeb-1781	35	44	development	development	NOUN
ajbmeb-1781	35	45	there	there	PRON
ajbmeb-1781	35	46	were	be	VERB
ajbmeb-1781	35	47	relations	relation	NOUN
ajbmeb-1781	35	48	related	relate	VERB
ajbmeb-1781	35	49	to	to	ADP
ajbmeb-1781	35	50	insurance	insurance	NOUN
ajbmeb-1781	35	51	.	.	PUNCT
ajbmeb-1781	36	1	in	in	ADP
ajbmeb-1781	36	2	the	the	DET
ajbmeb-1781	36	3	primitive	primitive	ADJ
ajbmeb-1781	36	4	communal	communal	ADJ
ajbmeb-1781	36	5	system	system	NOUN
ajbmeb-1781	36	6	,	,	PUNCT
ajbmeb-1781	36	7	those	those	PRON
ajbmeb-1781	36	8	who	who	PRON
ajbmeb-1781	36	9	lived	live	VERB
ajbmeb-1781	36	10	life	life	NOUN
ajbmeb-1781	36	11	in	in	ADP
ajbmeb-1781	36	12	the	the	DET
ajbmeb-1781	36	13	form	form	NOUN
ajbmeb-1781	36	14	of	of	ADP
ajbmeb-1781	36	15	a	a	DET
ajbmeb-1781	36	16	tribe	tribe	NOUN
ajbmeb-1781	36	17	created	create	VERB
ajbmeb-1781	36	18	food	food	NOUN
ajbmeb-1781	36	19	reserves	reserve	NOUN
ajbmeb-1781	36	20	to	to	PART
ajbmeb-1781	36	21	avoid	avoid	VERB
ajbmeb-1781	36	22	unpredictable	unpredictable	ADJ
ajbmeb-1781	36	23	,	,	PUNCT
ajbmeb-1781	36	24	diverse	diverse	ADJ
ajbmeb-1781	36	25	events	event	NOUN
ajbmeb-1781	36	26	.	.	PUNCT
ajbmeb-1781	37	1	some	some	PRON
ajbmeb-1781	37	2	,	,	PUNCT
ajbmeb-1781	37	3	however	however	ADV
ajbmeb-1781	37	4	,	,	PUNCT
ajbmeb-1781	37	5	perceived	perceive	VERB
ajbmeb-1781	37	6	such	such	ADJ
ajbmeb-1781	37	7	unpleasant	unpleasant	ADJ
ajbmeb-1781	37	8	phenomena	phenomenon	NOUN
ajbmeb-1781	37	9	as	as	ADP
ajbmeb-1781	37	10	floods	flood	NOUN
ajbmeb-1781	37	11	and	and	CCONJ
ajbmeb-1781	37	12	droughts	drought	NOUN
ajbmeb-1781	37	13	that	that	PRON
ajbmeb-1781	37	14	occurred	occur	VERB
ajbmeb-1781	37	15	as	as	ADP
ajbmeb-1781	37	16	a	a	DET
ajbmeb-1781	37	17	curse	curse	NOUN
ajbmeb-1781	37	18	of	of	ADP
ajbmeb-1781	37	19	god	god	PROPN
ajbmeb-1781	37	20	.	.	PUNCT
ajbmeb-1781	38	1	for	for	ADP
ajbmeb-1781	38	2	some	some	DET
ajbmeb-1781	38	3	reason	reason	NOUN
ajbmeb-1781	38	4	,	,	PUNCT
ajbmeb-1781	38	5	there	there	PRON
ajbmeb-1781	38	6	is	be	VERB
ajbmeb-1781	38	7	no	no	DET
ajbmeb-1781	38	8	doubt	doubt	NOUN
ajbmeb-1781	38	9	that	that	SCONJ
ajbmeb-1781	38	10	reserves	reserve	NOUN
ajbmeb-1781	38	11	were	be	AUX
ajbmeb-1781	38	12	created	create	VERB
ajbmeb-1781	38	13	to	to	PART
ajbmeb-1781	38	14	compensate	compensate	VERB
ajbmeb-1781	38	15	for	for	ADP
ajbmeb-1781	38	16	those	those	DET
ajbmeb-1781	38	17	losses	loss	NOUN
ajbmeb-1781	38	18	that	that	PRON
ajbmeb-1781	38	19	were	be	AUX
ajbmeb-1781	38	20	noticed	notice	VERB
ajbmeb-1781	38	21	when	when	SCONJ
ajbmeb-1781	38	22	events	event	NOUN
ajbmeb-1781	38	23	unrelated	unrelated	ADJ
ajbmeb-1781	38	24	to	to	ADP
ajbmeb-1781	38	25	the	the	DET
ajbmeb-1781	38	26	will	will	NOUN
ajbmeb-1781	38	27	of	of	ADP
ajbmeb-1781	38	28	a	a	DET
ajbmeb-1781	38	29	person	person	NOUN
ajbmeb-1781	38	30	,	,	PUNCT
ajbmeb-1781	38	31	in	in	ADP
ajbmeb-1781	38	32	a	a	DET
ajbmeb-1781	38	33	word	word	NOUN
ajbmeb-1781	38	34	,	,	PUNCT
ajbmeb-1781	38	35	were	be	AUX
ajbmeb-1781	38	36	unexpected	unexpected	ADJ
ajbmeb-1781	38	37	and	and	CCONJ
ajbmeb-1781	38	38	unpredictable	unpredictable	ADJ
ajbmeb-1781	38	39	at	at	ADP
ajbmeb-1781	38	40	that	that	DET
ajbmeb-1781	38	41	time	time	NOUN
ajbmeb-1781	38	42	.	.	PUNCT
ajbmeb-1781	39	1	according	accord	VERB
ajbmeb-1781	39	2	to	to	ADP
ajbmeb-1781	39	3	the	the	DET
ajbmeb-1781	39	4	russian	russian	ADJ
ajbmeb-1781	39	5	scientist	scientist	NOUN
ajbmeb-1781	39	6	m.	m.	PROPN
ajbmeb-1781	39	7	ivanov	ivanov	PROPN
ajbmeb-1781	39	8	,	,	PUNCT
ajbmeb-1781	39	9	during	during	ADP
ajbmeb-1781	39	10	the	the	DET
ajbmeb-1781	39	11	reign	reign	NOUN
ajbmeb-1781	39	12	of	of	ADP
ajbmeb-1781	39	13	king	king	NOUN
ajbmeb-1781	39	14	hammurabi	hammurabi	PROPN
ajbmeb-1781	39	15	,	,	PUNCT
ajbmeb-1781	39	16	who	who	PRON
ajbmeb-1781	39	17	ruled	rule	VERB
ajbmeb-1781	39	18	the	the	DET
ajbmeb-1781	39	19	babylonian	babylonian	ADJ
ajbmeb-1781	39	20	state	state	NOUN
ajbmeb-1781	39	21	in	in	ADP
ajbmeb-1781	39	22	1792	1792	NUM
ajbmeb-1781	39	23	-	-	SYM
ajbmeb-1781	39	24	1750	1750	NUM
ajbmeb-1781	39	25	bc	bc	PROPN
ajbmeb-1781	39	26	,	,	PUNCT
ajbmeb-1781	39	27	the	the	DET
ajbmeb-1781	39	28	members	member	NOUN
ajbmeb-1781	39	29	of	of	ADP
ajbmeb-1781	39	30	the	the	DET
ajbmeb-1781	39	31	trade	trade	NOUN
ajbmeb-1781	39	32	caravan	caravan	NOUN
ajbmeb-1781	39	33	had	have	VERB
ajbmeb-1781	39	34	mutual	mutual	ADJ
ajbmeb-1781	39	35	consent	consent	NOUN
ajbmeb-1781	39	36	before	before	ADP
ajbmeb-1781	39	37	setting	set	VERB
ajbmeb-1781	39	38	off	off	ADP
ajbmeb-1781	39	39	[	[	X
ajbmeb-1781	39	40	1	1	NUM
ajbmeb-1781	39	41	]	]	PUNCT
ajbmeb-1781	39	42	.	.	PUNCT
ajbmeb-1781	40	1	according	accord	VERB
ajbmeb-1781	40	2	to	to	ADP
ajbmeb-1781	40	3	this	this	DET
ajbmeb-1781	40	4	agreement	agreement	NOUN
ajbmeb-1781	40	5	,	,	PUNCT
ajbmeb-1781	40	6	if	if	SCONJ
ajbmeb-1781	40	7	the	the	DET
ajbmeb-1781	40	8	property	property	NOUN
ajbmeb-1781	40	9	of	of	ADP
ajbmeb-1781	40	10	any	any	DET
ajbmeb-1781	40	11	member	member	NOUN
ajbmeb-1781	40	12	of	of	ADP
ajbmeb-1781	40	13	the	the	DET
ajbmeb-1781	40	14	caravan	caravan	NOUN
ajbmeb-1781	40	15	was	be	AUX
ajbmeb-1781	40	16	lost	lose	VERB
ajbmeb-1781	40	17	,	,	PUNCT
ajbmeb-1781	40	18	stolen	steal	VERB
ajbmeb-1781	40	19	or	or	CCONJ
ajbmeb-1781	40	20	looted	loot	VERB
ajbmeb-1781	40	21	by	by	ADP
ajbmeb-1781	40	22	pirates	pirate	NOUN
ajbmeb-1781	40	23	,	,	PUNCT
ajbmeb-1781	40	24	this	this	DET
ajbmeb-1781	40	25	damage	damage	NOUN
ajbmeb-1781	40	26	was	be	AUX
ajbmeb-1781	40	27	compensated	compensate	VERB
ajbmeb-1781	40	28	by	by	ADP
ajbmeb-1781	40	29	the	the	DET
ajbmeb-1781	40	30	members	member	NOUN
ajbmeb-1781	40	31	of	of	ADP
ajbmeb-1781	40	32	the	the	DET
ajbmeb-1781	40	33	caravan	caravan	NOUN
ajbmeb-1781	40	34	.	.	PUNCT
ajbmeb-1781	41	1	however	however	ADV
ajbmeb-1781	41	2	,	,	PUNCT
ajbmeb-1781	41	3	several	several	ADJ
ajbmeb-1781	41	4	thousand	thousand	NUM
ajbmeb-1781	41	5	years	year	NOUN
ajbmeb-1781	41	6	have	have	AUX
ajbmeb-1781	41	7	passed	pass	VERB
ajbmeb-1781	41	8	since	since	SCONJ
ajbmeb-1781	41	9	the	the	DET
ajbmeb-1781	41	10	time	time	NOUN
ajbmeb-1781	41	11	when	when	SCONJ
ajbmeb-1781	41	12	the	the	DET
ajbmeb-1781	41	13	civilization	civilization	NOUN
ajbmeb-1781	41	14	of	of	ADP
ajbmeb-1781	41	15	american	american	ADJ
ajbmeb-1781	41	16	journal	journal	PROPN
ajbmeb-1781	41	17	of	of	ADP
ajbmeb-1781	41	18	business	business	NOUN
ajbmeb-1781	41	19	management	management	NOUN
ajbmeb-1781	41	20	,	,	PUNCT
ajbmeb-1781	41	21	economics	economic	NOUN
ajbmeb-1781	41	22	and	and	CCONJ
ajbmeb-1781	41	23	banking	banking	NOUN
ajbmeb-1781	41	24	volume	volume	NOUN
ajbmeb-1781	41	25	20	20	NUM
ajbmeb-1781	41	26	january	january	PROPN
ajbmeb-1781	41	27	,	,	PUNCT
ajbmeb-1781	41	28	2024	2024	NUM
ajbmeb-1781	41	29	p	p	NOUN
ajbmeb-1781	41	30	a	a	DET
ajbmeb-1781	41	31	g	g	NOUN
ajbmeb-1781	41	32	e	e	NOUN
ajbmeb-1781	41	33	|	|	NOUN
ajbmeb-1781	41	34	245	245	NUM
ajbmeb-1781	41	35	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1781	41	36	mankind	mankind	NOUN
ajbmeb-1781	41	37	began	begin	VERB
ajbmeb-1781	41	38	,	,	PUNCT
ajbmeb-1781	41	39	and	and	CCONJ
ajbmeb-1781	41	40	to	to	ADP
ajbmeb-1781	41	41	the	the	DET
ajbmeb-1781	41	42	present	present	ADJ
ajbmeb-1781	41	43	day	day	NOUN
ajbmeb-1781	41	44	.	.	PUNCT
ajbmeb-1781	42	1	however	however	ADV
ajbmeb-1781	42	2	,	,	PUNCT
ajbmeb-1781	42	3	the	the	DET
ajbmeb-1781	42	4	formation	formation	NOUN
ajbmeb-1781	42	5	of	of	ADP
ajbmeb-1781	42	6	reserves	reserve	NOUN
ajbmeb-1781	42	7	to	to	PART
ajbmeb-1781	42	8	compensate	compensate	VERB
ajbmeb-1781	42	9	for	for	ADP
ajbmeb-1781	42	10	losses	loss	NOUN
ajbmeb-1781	42	11	incurred	incur	VERB
ajbmeb-1781	42	12	as	as	ADP
ajbmeb-1781	42	13	a	a	DET
ajbmeb-1781	42	14	result	result	NOUN
ajbmeb-1781	42	15	of	of	ADP
ajbmeb-1781	42	16	various	various	ADJ
ajbmeb-1781	42	17	events	event	NOUN
ajbmeb-1781	42	18	,	,	PUNCT
ajbmeb-1781	42	19	which	which	PRON
ajbmeb-1781	42	20	are	be	AUX
ajbmeb-1781	42	21	one	one	NUM
ajbmeb-1781	42	22	of	of	ADP
ajbmeb-1781	42	23	the	the	DET
ajbmeb-1781	42	24	fundamental	fundamental	ADJ
ajbmeb-1781	42	25	,	,	PUNCT
ajbmeb-1781	42	26	scientifically	scientifically	ADV
ajbmeb-1781	42	27	based	base	VERB
ajbmeb-1781	42	28	principles	principle	NOUN
ajbmeb-1781	42	29	of	of	ADP
ajbmeb-1781	42	30	insurance	insurance	NOUN
ajbmeb-1781	42	31	,	,	PUNCT
ajbmeb-1781	42	32	remains	remain	VERB
ajbmeb-1781	42	33	today	today	NOUN
ajbmeb-1781	42	34	.	.	PUNCT
ajbmeb-1781	43	1	according	accord	VERB
ajbmeb-1781	43	2	to	to	ADP
ajbmeb-1781	43	3	u.	u.	PROPN
ajbmeb-1781	43	4	turgunov	turgunov	PROPN
ajbmeb-1781	43	5	,	,	PUNCT
ajbmeb-1781	43	6	n.	n.	NOUN
ajbmeb-1781	43	7	beknozov	beknozov	PROPN
ajbmeb-1781	43	8	,	,	PUNCT
ajbmeb-1781	43	9	the	the	DET
ajbmeb-1781	43	10	issues	issue	NOUN
ajbmeb-1781	43	11	of	of	ADP
ajbmeb-1781	43	12	special	special	ADJ
ajbmeb-1781	43	13	insurance	insurance	NOUN
ajbmeb-1781	43	14	arose	arise	VERB
ajbmeb-1781	43	15	in	in	ADP
ajbmeb-1781	43	16	some	some	DET
ajbmeb-1781	43	17	states	state	NOUN
ajbmeb-1781	43	18	in	in	ADP
ajbmeb-1781	43	19	the	the	DET
ajbmeb-1781	43	20	middle	middle	ADJ
ajbmeb-1781	43	21	ages	age	NOUN
ajbmeb-1781	43	22	.	.	PUNCT
ajbmeb-1781	44	1	the	the	DET
ajbmeb-1781	44	2	transport	transport	NOUN
ajbmeb-1781	44	3	service	service	NOUN
ajbmeb-1781	44	4	of	of	ADP
ajbmeb-1781	44	5	a	a	DET
ajbmeb-1781	44	6	smaller	small	ADJ
ajbmeb-1781	44	7	industry	industry	NOUN
ajbmeb-1781	44	8	,	,	PUNCT
ajbmeb-1781	44	9	the	the	DET
ajbmeb-1781	44	10	development	development	NOUN
ajbmeb-1781	44	11	of	of	ADP
ajbmeb-1781	44	12	international	international	ADJ
ajbmeb-1781	44	13	trade	trade	NOUN
ajbmeb-1781	44	14	by	by	ADP
ajbmeb-1781	44	15	the	the	DET
ajbmeb-1781	44	16	xviii	xviii	ADJ
ajbmeb-1781	44	17	century	century	NOUN
ajbmeb-1781	44	18	.	.	PUNCT
ajbmeb-1781	44	19	expanded	expand	VERB
ajbmeb-1781	44	20	the	the	DET
ajbmeb-1781	44	21	range	range	NOUN
ajbmeb-1781	44	22	and	and	CCONJ
ajbmeb-1781	44	23	scale	scale	NOUN
ajbmeb-1781	44	24	of	of	ADP
ajbmeb-1781	44	25	such	such	ADJ
ajbmeb-1781	44	26	services	service	NOUN
ajbmeb-1781	44	27	in	in	ADP
ajbmeb-1781	44	28	european	european	ADJ
ajbmeb-1781	44	29	countries	country	NOUN
ajbmeb-1781	44	30	.	.	PUNCT
ajbmeb-1781	45	1	of	of	ADP
ajbmeb-1781	45	2	course	course	ADV
ajbmeb-1781	45	3	,	,	PUNCT
ajbmeb-1781	45	4	if	if	SCONJ
ajbmeb-1781	45	5	in	in	ADP
ajbmeb-1781	45	6	the	the	DET
ajbmeb-1781	45	7	first	first	ADJ
ajbmeb-1781	45	8	periods	period	NOUN
ajbmeb-1781	45	9	ships	ship	NOUN
ajbmeb-1781	45	10	and	and	CCONJ
ajbmeb-1781	45	11	cargo	cargo	NOUN
ajbmeb-1781	45	12	were	be	AUX
ajbmeb-1781	45	13	mainly	mainly	ADV
ajbmeb-1781	45	14	insured	insure	VERB
ajbmeb-1781	45	15	,	,	PUNCT
ajbmeb-1781	45	16	then	then	ADV
ajbmeb-1781	45	17	later	later	ADV
ajbmeb-1781	45	18	mandatory	mandatory	ADJ
ajbmeb-1781	45	19	insurance	insurance	NOUN
ajbmeb-1781	45	20	of	of	ADP
ajbmeb-1781	45	21	passengers	passenger	NOUN
ajbmeb-1781	45	22	and	and	CCONJ
ajbmeb-1781	45	23	crew	crew	NOUN
ajbmeb-1781	45	24	members	member	NOUN
ajbmeb-1781	45	25	was	be	AUX
ajbmeb-1781	45	26	introduced	introduce	VERB
ajbmeb-1781	45	27	.	.	PUNCT
ajbmeb-1781	46	1	this	this	DET
ajbmeb-1781	46	2	sphere	sphere	NOUN
ajbmeb-1781	46	3	has	have	AUX
ajbmeb-1781	46	4	expanded	expand	VERB
ajbmeb-1781	46	5	,	,	PUNCT
ajbmeb-1781	46	6	insurance	insurance	NOUN
ajbmeb-1781	46	7	services	service	NOUN
ajbmeb-1781	46	8	of	of	ADP
ajbmeb-1781	46	9	various	various	ADJ
ajbmeb-1781	46	10	types	type	NOUN
ajbmeb-1781	46	11	of	of	ADP
ajbmeb-1781	46	12	economic	economic	ADJ
ajbmeb-1781	46	13	activity	activity	NOUN
ajbmeb-1781	46	14	,	,	PUNCT
ajbmeb-1781	46	15	people	people	NOUN
ajbmeb-1781	46	16	of	of	ADP
ajbmeb-1781	46	17	different	different	ADJ
ajbmeb-1781	46	18	spheres	sphere	NOUN
ajbmeb-1781	46	19	have	have	AUX
ajbmeb-1781	46	20	begun	begin	VERB
ajbmeb-1781	46	21	to	to	PART
ajbmeb-1781	46	22	appear	appear	VERB
ajbmeb-1781	46	23	.	.	PUNCT
ajbmeb-1781	47	1	some	some	DET
ajbmeb-1781	47	2	sources	source	NOUN
ajbmeb-1781	47	3	note	note	VERB
ajbmeb-1781	47	4	that	that	SCONJ
ajbmeb-1781	47	5	the	the	DET
ajbmeb-1781	47	6	first	first	ADJ
ajbmeb-1781	47	7	written	write	VERB
ajbmeb-1781	47	8	insurance	insurance	NOUN
ajbmeb-1781	47	9	contract	contract	NOUN
ajbmeb-1781	47	10	in	in	ADP
ajbmeb-1781	47	11	england	england	PROPN
ajbmeb-1781	47	12	was	be	AUX
ajbmeb-1781	47	13	concluded	conclude	VERB
ajbmeb-1781	47	14	in	in	ADP
ajbmeb-1781	47	15	the	the	DET
ajbmeb-1781	47	16	xiv	xiv	PROPN
ajbmeb-1781	47	17	century	century	NOUN
ajbmeb-1781	47	18	,	,	PUNCT
ajbmeb-1781	47	19	when	when	SCONJ
ajbmeb-1781	47	20	a	a	DET
ajbmeb-1781	47	21	fire	fire	NOUN
ajbmeb-1781	47	22	insurance	insurance	NOUN
ajbmeb-1781	47	23	society	society	NOUN
ajbmeb-1781	47	24	was	be	AUX
ajbmeb-1781	47	25	first	first	ADV
ajbmeb-1781	47	26	established	establish	VERB
ajbmeb-1781	47	27	in	in	ADP
ajbmeb-1781	47	28	russia	russia	PROPN
ajbmeb-1781	47	29	in	in	ADP
ajbmeb-1781	47	30	1827	1827	NUM
ajbmeb-1781	47	31	,	,	PUNCT
ajbmeb-1781	47	32	in	in	ADP
ajbmeb-1781	47	33	italy	italy	PROPN
ajbmeb-1781	47	34	in	in	ADP
ajbmeb-1781	47	35	1393	1393	NUM
ajbmeb-1781	47	36	,	,	PUNCT
ajbmeb-1781	47	37	each	each	DET
ajbmeb-1781	47	38	notary	notary	NOUN
ajbmeb-1781	47	39	averaged	average	VERB
ajbmeb-1781	47	40	an	an	DET
ajbmeb-1781	47	41	insurance	insurance	NOUN
ajbmeb-1781	47	42	policy	policy	NOUN
ajbmeb-1781	47	43	with	with	ADP
ajbmeb-1781	47	44	80	80	NUM
ajbmeb-1781	47	45	clients	client	NOUN
ajbmeb-1781	47	46	per	per	ADP
ajbmeb-1781	47	47	week	week	NOUN
ajbmeb-1781	47	48	,	,	PUNCT
ajbmeb-1781	47	49	and	and	CCONJ
ajbmeb-1781	47	50	finally	finally	ADV
ajbmeb-1781	47	51	,	,	PUNCT
ajbmeb-1781	47	52	in	in	ADP
ajbmeb-1781	47	53	1466	1466	NUM
ajbmeb-1781	47	54	,	,	PUNCT
ajbmeb-1781	47	55	venice	venice	PROPN
ajbmeb-1781	47	56	adopted	adopt	VERB
ajbmeb-1781	47	57	maritime	maritime	ADJ
ajbmeb-1781	47	58	insurance	insurance	NOUN
ajbmeb-1781	47	59	code	code	NOUN
ajbmeb-1781	47	60	.	.	PUNCT
ajbmeb-1781	48	1	one	one	PRON
ajbmeb-1781	48	2	can	can	AUX
ajbmeb-1781	48	3	even	even	ADV
ajbmeb-1781	48	4	trace	trace	VERB
ajbmeb-1781	48	5	in	in	ADP
ajbmeb-1781	48	6	the	the	DET
ajbmeb-1781	48	7	legal	legal	ADJ
ajbmeb-1781	48	8	literature	literature	NOUN
ajbmeb-1781	48	9	the	the	DET
ajbmeb-1781	48	10	existence	existence	NOUN
ajbmeb-1781	48	11	of	of	ADP
ajbmeb-1781	48	12	points	point	NOUN
ajbmeb-1781	48	13	of	of	ADP
ajbmeb-1781	48	14	view	view	NOUN
ajbmeb-1781	48	15	that	that	SCONJ
ajbmeb-1781	48	16	the	the	DET
ajbmeb-1781	48	17	work	work	NOUN
ajbmeb-1781	48	18	on	on	ADP
ajbmeb-1781	48	19	codification	codification	NOUN
ajbmeb-1781	48	20	of	of	ADP
ajbmeb-1781	48	21	the	the	DET
ajbmeb-1781	48	22	right	right	NOUN
ajbmeb-1781	48	23	to	to	PART
ajbmeb-1781	48	24	insurance	insurance	VERB
ajbmeb-1781	48	25	in	in	ADP
ajbmeb-1781	48	26	the	the	DET
ajbmeb-1781	48	27	russian	russian	ADJ
ajbmeb-1781	48	28	state	state	NOUN
ajbmeb-1781	48	29	began	begin	VERB
ajbmeb-1781	48	30	in	in	ADP
ajbmeb-1781	48	31	1879	1879	NUM
ajbmeb-1781	48	32	[	[	X
ajbmeb-1781	48	33	2	2	NUM
ajbmeb-1781	48	34	]	]	PUNCT
ajbmeb-1781	48	35	.	.	PUNCT
ajbmeb-1781	49	1	the	the	DET
ajbmeb-1781	49	2	term	term	NOUN
ajbmeb-1781	49	3	"	"	PUNCT
ajbmeb-1781	49	4	insurance	insurance	NOUN
ajbmeb-1781	49	5	"	"	PUNCT
ajbmeb-1781	49	6	,	,	PUNCT
ajbmeb-1781	49	7	i.e.	i.e.	X
ajbmeb-1781	49	8	"	"	PUNCT
ajbmeb-1781	49	9	insurance	insurance	NOUN
ajbmeb-1781	49	10	"	"	PUNCT
ajbmeb-1781	49	11	,	,	PUNCT
ajbmeb-1781	49	12	which	which	PRON
ajbmeb-1781	49	13	comes	come	VERB
ajbmeb-1781	49	14	from	from	ADP
ajbmeb-1781	49	15	english	english	PROPN
ajbmeb-1781	49	16	,	,	PUNCT
ajbmeb-1781	49	17	means	mean	VERB
ajbmeb-1781	49	18	"	"	PUNCT
ajbmeb-1781	49	19	in	in	ADP
ajbmeb-1781	49	20	"	"	PUNCT
ajbmeb-1781	49	21	(	(	PUNCT
ajbmeb-1781	49	22	inside	inside	ADV
ajbmeb-1781	49	23	)	)	PUNCT
ajbmeb-1781	49	24	and	and	CCONJ
ajbmeb-1781	49	25	"	"	PUNCT
ajbmeb-1781	49	26	sure	sure	ADJ
ajbmeb-1781	49	27	"	"	PUNCT
ajbmeb-1781	49	28	(	(	PUNCT
ajbmeb-1781	49	29	hope	hope	NOUN
ajbmeb-1781	49	30	,	,	PUNCT
ajbmeb-1781	49	31	reliable	reliable	ADJ
ajbmeb-1781	49	32	)	)	PUNCT
ajbmeb-1781	49	33	–	–	PUNCT
ajbmeb-1781	49	34	"	"	PUNCT
ajbmeb-1781	49	35	in	in	ADP
ajbmeb-1781	49	36	safe	safe	ADJ
ajbmeb-1781	49	37	hands	hand	NOUN
ajbmeb-1781	49	38	"	"	PUNCT
ajbmeb-1781	49	39	.	.	PUNCT
ajbmeb-1781	50	1	this	this	PRON
ajbmeb-1781	50	2	means	mean	VERB
ajbmeb-1781	50	3	that	that	SCONJ
ajbmeb-1781	50	4	the	the	DET
ajbmeb-1781	50	5	insured	insure	VERB
ajbmeb-1781	50	6	object	object	NOUN
ajbmeb-1781	50	7	is	be	AUX
ajbmeb-1781	50	8	reliably	reliably	ADV
ajbmeb-1781	50	9	protected	protect	VERB
ajbmeb-1781	50	10	,	,	PUNCT
ajbmeb-1781	50	11	which	which	PRON
ajbmeb-1781	50	12	means	mean	VERB
ajbmeb-1781	50	13	there	there	PRON
ajbmeb-1781	50	14	is	be	VERB
ajbmeb-1781	50	15	nothing	nothing	PRON
ajbmeb-1781	50	16	to	to	PART
ajbmeb-1781	50	17	worry	worry	VERB
ajbmeb-1781	50	18	about	about	ADP
ajbmeb-1781	50	19	.	.	PUNCT
ajbmeb-1781	51	1	it	it	PRON
ajbmeb-1781	51	2	is	be	AUX
ajbmeb-1781	51	3	known	know	VERB
ajbmeb-1781	51	4	that	that	SCONJ
ajbmeb-1781	51	5	even	even	ADV
ajbmeb-1781	51	6	in	in	ADP
ajbmeb-1781	51	7	the	the	DET
ajbmeb-1781	51	8	republic	republic	NOUN
ajbmeb-1781	51	9	of	of	ADP
ajbmeb-1781	51	10	uzbekistan	uzbekistan	PROPN
ajbmeb-1781	51	11	today	today	NOUN
ajbmeb-1781	51	12	,	,	PUNCT
ajbmeb-1781	51	13	as	as	ADP
ajbmeb-1781	51	14	one	one	NUM
ajbmeb-1781	51	15	of	of	ADP
ajbmeb-1781	51	16	the	the	DET
ajbmeb-1781	51	17	necessary	necessary	ADJ
ajbmeb-1781	51	18	elements	element	NOUN
ajbmeb-1781	51	19	of	of	ADP
ajbmeb-1781	51	20	the	the	DET
ajbmeb-1781	51	21	production	production	NOUN
ajbmeb-1781	51	22	infrastructure	infrastructure	NOUN
ajbmeb-1781	51	23	,	,	PUNCT
ajbmeb-1781	51	24	insurance	insurance	NOUN
ajbmeb-1781	51	25	occupies	occupy	VERB
ajbmeb-1781	51	26	a	a	DET
ajbmeb-1781	51	27	special	special	ADJ
ajbmeb-1781	51	28	place	place	NOUN
ajbmeb-1781	51	29	in	in	ADP
ajbmeb-1781	51	30	ensuring	ensure	VERB
ajbmeb-1781	51	31	the	the	DET
ajbmeb-1781	51	32	continuity	continuity	NOUN
ajbmeb-1781	51	33	of	of	ADP
ajbmeb-1781	51	34	ongoing	ongoing	ADJ
ajbmeb-1781	51	35	economic	economic	ADJ
ajbmeb-1781	51	36	reforms	reform	NOUN
ajbmeb-1781	51	37	and	and	CCONJ
ajbmeb-1781	51	38	protecting	protect	VERB
ajbmeb-1781	51	39	the	the	DET
ajbmeb-1781	51	40	population	population	NOUN
ajbmeb-1781	51	41	from	from	ADP
ajbmeb-1781	51	42	unpleasant	unpleasant	ADJ
ajbmeb-1781	51	43	events	event	NOUN
ajbmeb-1781	51	44	,	,	PUNCT
ajbmeb-1781	51	45	moving	move	VERB
ajbmeb-1781	51	46	step	step	NOUN
ajbmeb-1781	51	47	by	by	ADP
ajbmeb-1781	51	48	step	step	NOUN
ajbmeb-1781	51	49	towards	towards	ADP
ajbmeb-1781	51	50	building	build	VERB
ajbmeb-1781	51	51	a	a	DET
ajbmeb-1781	51	52	just	just	ADJ
ajbmeb-1781	51	53	society	society	NOUN
ajbmeb-1781	51	54	,	,	PUNCT
ajbmeb-1781	51	55	a	a	DET
ajbmeb-1781	51	56	strong	strong	ADJ
ajbmeb-1781	51	57	democratic	democratic	ADJ
ajbmeb-1781	51	58	rule	rule	NOUN
ajbmeb-1781	51	59	of	of	ADP
ajbmeb-1781	51	60	law	law	NOUN
ajbmeb-1781	51	61	based	base	VERB
ajbmeb-1781	51	62	on	on	ADP
ajbmeb-1781	51	63	equality	equality	NOUN
ajbmeb-1781	51	64	of	of	ADP
ajbmeb-1781	51	65	all	all	DET
ajbmeb-1781	51	66	segments	segment	NOUN
ajbmeb-1781	51	67	of	of	ADP
ajbmeb-1781	51	68	society	society	NOUN
ajbmeb-1781	51	69	.	.	PUNCT
ajbmeb-1781	52	1	as	as	SCONJ
ajbmeb-1781	52	2	u.	u.	PROPN
ajbmeb-1781	52	3	aitbayev	aitbayev	PROPN
ajbmeb-1781	52	4	correctly	correctly	ADV
ajbmeb-1781	52	5	noted	note	VERB
ajbmeb-1781	52	6	,	,	PUNCT
ajbmeb-1781	52	7	the	the	DET
ajbmeb-1781	52	8	insurance	insurance	NOUN
ajbmeb-1781	52	9	market	market	NOUN
ajbmeb-1781	52	10	provides	provide	VERB
ajbmeb-1781	52	11	material	material	NOUN
ajbmeb-1781	52	12	assistance	assistance	NOUN
ajbmeb-1781	52	13	in	in	ADP
ajbmeb-1781	52	14	the	the	DET
ajbmeb-1781	52	15	preservation	preservation	NOUN
ajbmeb-1781	52	16	of	of	ADP
ajbmeb-1781	52	17	almost	almost	ADV
ajbmeb-1781	52	18	all	all	PRON
ajbmeb-1781	52	19	forms	form	NOUN
ajbmeb-1781	52	20	of	of	ADP
ajbmeb-1781	52	21	ownership	ownership	NOUN
ajbmeb-1781	52	22	from	from	ADP
ajbmeb-1781	52	23	natural	natural	ADJ
ajbmeb-1781	52	24	disasters	disaster	NOUN
ajbmeb-1781	52	25	,	,	PUNCT
ajbmeb-1781	52	26	compensation	compensation	NOUN
ajbmeb-1781	52	27	for	for	ADP
ajbmeb-1781	52	28	damage	damage	NOUN
ajbmeb-1781	52	29	caused	cause	VERB
ajbmeb-1781	52	30	to	to	ADP
ajbmeb-1781	52	31	people	people	NOUN
ajbmeb-1781	52	32	as	as	ADP
ajbmeb-1781	52	33	a	a	DET
ajbmeb-1781	52	34	result	result	NOUN
ajbmeb-1781	52	35	of	of	ADP
ajbmeb-1781	52	36	various	various	ADJ
ajbmeb-1781	52	37	natural	natural	ADJ
ajbmeb-1781	52	38	disasters	disaster	NOUN
ajbmeb-1781	52	39	.	.	PUNCT
ajbmeb-1781	53	1	thus	thus	ADV
ajbmeb-1781	53	2	,	,	PUNCT
ajbmeb-1781	53	3	m.	m.	NOUN
ajbmeb-1781	53	4	yusupov	yusupov	NOUN
ajbmeb-1781	53	5	believes	believe	VERB
ajbmeb-1781	53	6	that	that	SCONJ
ajbmeb-1781	53	7	"	"	PUNCT
ajbmeb-1781	53	8	insurance	insurance	NOUN
ajbmeb-1781	53	9	,	,	PUNCT
ajbmeb-1781	53	10	as	as	ADP
ajbmeb-1781	53	11	an	an	DET
ajbmeb-1781	53	12	economic	economic	ADJ
ajbmeb-1781	53	13	category	category	NOUN
ajbmeb-1781	53	14	consisting	consist	VERB
ajbmeb-1781	53	15	of	of	ADP
ajbmeb-1781	53	16	accounting	account	VERB
ajbmeb-1781	53	17	for	for	ADP
ajbmeb-1781	53	18	contributions	contribution	NOUN
ajbmeb-1781	53	19	from	from	ADP
ajbmeb-1781	53	20	interested	interested	ADJ
ajbmeb-1781	53	21	organizations	organization	NOUN
ajbmeb-1781	53	22	and	and	CCONJ
ajbmeb-1781	53	23	citizens	citizen	NOUN
ajbmeb-1781	53	24	,	,	PUNCT
ajbmeb-1781	53	25	means	mean	VERB
ajbmeb-1781	53	26	the	the	DET
ajbmeb-1781	53	27	emergence	emergence	NOUN
ajbmeb-1781	53	28	of	of	ADP
ajbmeb-1781	53	29	a	a	DET
ajbmeb-1781	53	30	monetary	monetary	ADJ
ajbmeb-1781	53	31	fund	fund	NOUN
ajbmeb-1781	53	32	under	under	ADP
ajbmeb-1781	53	33	the	the	DET
ajbmeb-1781	53	34	management	management	NOUN
ajbmeb-1781	53	35	of	of	ADP
ajbmeb-1781	53	36	a	a	DET
ajbmeb-1781	53	37	special	special	ADJ
ajbmeb-1781	53	38	organization	organization	NOUN
ajbmeb-1781	53	39	(	(	PUNCT
ajbmeb-1781	53	40	insurer	insurer	NOUN
ajbmeb-1781	53	41	)	)	PUNCT
ajbmeb-1781	53	42	and	and	CCONJ
ajbmeb-1781	53	43	a	a	DET
ajbmeb-1781	53	44	form	form	NOUN
ajbmeb-1781	53	45	of	of	ADP
ajbmeb-1781	53	46	distribution	distribution	NOUN
ajbmeb-1781	53	47	"	"	PUNCT
ajbmeb-1781	53	48	,	,	PUNCT
ajbmeb-1781	53	49	e.	e.	PROPN
ajbmeb-1781	53	50	khodzhiev	khodzhiev	PROPN
ajbmeb-1781	53	51	explains	explain	VERB
ajbmeb-1781	53	52	that	that	SCONJ
ajbmeb-1781	53	53	"	"	PUNCT
ajbmeb-1781	53	54	insurance	insurance	NOUN
ajbmeb-1781	53	55	means	mean	VERB
ajbmeb-1781	53	56	the	the	DET
ajbmeb-1781	53	57	provision	provision	NOUN
ajbmeb-1781	53	58	of	of	ADP
ajbmeb-1781	53	59	compensation	compensation	NOUN
ajbmeb-1781	53	60	for	for	ADP
ajbmeb-1781	53	61	damage	damage	NOUN
ajbmeb-1781	53	62	that	that	PRON
ajbmeb-1781	53	63	may	may	AUX
ajbmeb-1781	53	64	be	be	AUX
ajbmeb-1781	53	65	caused	cause	VERB
ajbmeb-1781	53	66	by	by	ADP
ajbmeb-1781	53	67	paying	pay	VERB
ajbmeb-1781	53	68	a	a	DET
ajbmeb-1781	53	69	membership	membership	NOUN
ajbmeb-1781	53	70	fee	fee	NOUN
ajbmeb-1781	53	71	to	to	ADP
ajbmeb-1781	53	72	a	a	DET
ajbmeb-1781	53	73	special	special	ADJ
ajbmeb-1781	53	74	institution	institution	NOUN
ajbmeb-1781	53	75	"	"	PUNCT
ajbmeb-1781	53	76	.	.	PUNCT
ajbmeb-1781	54	1	a.t	a.t	PROPN
ajbmeb-1781	54	2	.	.	PROPN
ajbmeb-1781	54	3	umarov	umarov	PROPN
ajbmeb-1781	54	4	put	put	VERB
ajbmeb-1781	54	5	forward	forward	ADV
ajbmeb-1781	54	6	the	the	DET
ajbmeb-1781	54	7	idea	idea	NOUN
ajbmeb-1781	54	8	that	that	SCONJ
ajbmeb-1781	54	9	"	"	PUNCT
ajbmeb-1781	54	10	insurance	insurance	NOUN
ajbmeb-1781	54	11	is	be	AUX
ajbmeb-1781	54	12	the	the	DET
ajbmeb-1781	54	13	protection	protection	NOUN
ajbmeb-1781	54	14	of	of	ADP
ajbmeb-1781	54	15	one	one	NUM
ajbmeb-1781	54	16	's	's	PART
ajbmeb-1781	54	17	interests	interest	NOUN
ajbmeb-1781	54	18	by	by	ADP
ajbmeb-1781	54	19	paying	pay	VERB
ajbmeb-1781	54	20	the	the	DET
ajbmeb-1781	54	21	insurance	insurance	NOUN
ajbmeb-1781	54	22	ceiling	ceiling	NOUN
ajbmeb-1781	54	23	(	(	PUNCT
ajbmeb-1781	54	24	insurance	insurance	NOUN
ajbmeb-1781	54	25	money	money	NOUN
ajbmeb-1781	54	26	)	)	PUNCT
ajbmeb-1781	54	27	to	to	ADP
ajbmeb-1781	54	28	these	these	DET
ajbmeb-1781	54	29	persons	person	NOUN
ajbmeb-1781	54	30	in	in	ADP
ajbmeb-1781	54	31	accordance	accordance	NOUN
ajbmeb-1781	54	32	with	with	ADP
ajbmeb-1781	54	33	the	the	DET
ajbmeb-1781	54	34	insurance	insurance	NOUN
ajbmeb-1781	54	35	contract	contract	NOUN
ajbmeb-1781	54	36	in	in	ADP
ajbmeb-1781	54	37	the	the	DET
ajbmeb-1781	54	38	event	event	NOUN
ajbmeb-1781	54	39	of	of	ADP
ajbmeb-1781	54	40	a	a	DET
ajbmeb-1781	54	41	certain	certain	ADJ
ajbmeb-1781	54	42	insured	insured	ADJ
ajbmeb-1781	54	43	event	event	NOUN
ajbmeb-1781	54	44	from	from	ADP
ajbmeb-1781	54	45	the	the	DET
ajbmeb-1781	54	46	account	account	NOUN
ajbmeb-1781	54	47	of	of	ADP
ajbmeb-1781	54	48	funds	fund	NOUN
ajbmeb-1781	54	49	formed	form	VERB
ajbmeb-1781	54	50	from	from	ADP
ajbmeb-1781	54	51	insurance	insurance	NOUN
ajbmeb-1781	54	52	premiums	premium	NOUN
ajbmeb-1781	54	53	paid	pay	VERB
ajbmeb-1781	54	54	by	by	ADP
ajbmeb-1781	54	55	legal	legal	ADJ
ajbmeb-1781	54	56	entities	entity	NOUN
ajbmeb-1781	54	57	and	and	CCONJ
ajbmeb-1781	54	58	individuals	individual	NOUN
ajbmeb-1781	54	59	"	"	PUNCT
ajbmeb-1781	54	60	,	,	PUNCT
ajbmeb-1781	54	61	and	and	CCONJ
ajbmeb-1781	54	62	m.	m.	NOUN
ajbmeb-1781	54	63	yuldoshev	yuldoshev	PROPN
ajbmeb-1781	54	64	and	and	CCONJ
ajbmeb-1781	54	65	y.	y.	PROPN
ajbmeb-1781	54	66	tursunov	tursunov	PROPN
ajbmeb-1781	54	67	believes	believe	VERB
ajbmeb-1781	54	68	that	that	SCONJ
ajbmeb-1781	54	69	"	"	PUNCT
ajbmeb-1781	54	70	insurance	insurance	NOUN
ajbmeb-1781	54	71	is	be	AUX
ajbmeb-1781	54	72	an	an	DET
ajbmeb-1781	54	73	entrepreneurial	entrepreneurial	ADJ
ajbmeb-1781	54	74	activity	activity	NOUN
ajbmeb-1781	54	75	aimed	aim	VERB
ajbmeb-1781	54	76	at	at	ADP
ajbmeb-1781	54	77	protecting	protect	VERB
ajbmeb-1781	54	78	the	the	DET
ajbmeb-1781	54	79	interests	interest	NOUN
ajbmeb-1781	54	80	of	of	ADP
ajbmeb-1781	54	81	the	the	DET
ajbmeb-1781	54	82	insured	insured	ADJ
ajbmeb-1781	54	83	person	person	NOUN
ajbmeb-1781	54	84	by	by	ADP
ajbmeb-1781	54	85	fully	fully	ADV
ajbmeb-1781	54	86	or	or	CCONJ
ajbmeb-1781	54	87	partially	partially	ADV
ajbmeb-1781	54	88	reimbursing	reimburse	VERB
ajbmeb-1781	54	89	him	he	PRON
ajbmeb-1781	54	90	at	at	ADP
ajbmeb-1781	54	91	the	the	DET
ajbmeb-1781	54	92	expense	expense	NOUN
ajbmeb-1781	54	93	of	of	ADP
ajbmeb-1781	54	94	previously	previously	ADV
ajbmeb-1781	54	95	paid	pay	VERB
ajbmeb-1781	54	96	insurance	insurance	NOUN
ajbmeb-1781	54	97	premiums	premium	NOUN
ajbmeb-1781	54	98	,	,	PUNCT
ajbmeb-1781	54	99	which	which	PRON
ajbmeb-1781	54	100	replaces	replace	VERB
ajbmeb-1781	54	101	the	the	DET
ajbmeb-1781	54	102	material	material	NOUN
ajbmeb-1781	54	103	damage	damage	NOUN
ajbmeb-1781	54	104	caused	cause	VERB
ajbmeb-1781	54	105	in	in	ADP
ajbmeb-1781	54	106	the	the	DET
ajbmeb-1781	54	107	event	event	NOUN
ajbmeb-1781	54	108	of	of	ADP
ajbmeb-1781	54	109	an	an	DET
ajbmeb-1781	54	110	insured	insure	VERB
ajbmeb-1781	54	111	event	event	NOUN
ajbmeb-1781	54	112	stipulated	stipulate	VERB
ajbmeb-1781	54	113	by	by	ADP
ajbmeb-1781	54	114	the	the	DET
ajbmeb-1781	54	115	contract	contract	NOUN
ajbmeb-1781	54	116	between	between	ADP
ajbmeb-1781	54	117	the	the	DET
ajbmeb-1781	54	118	insurer	insurer	NOUN
ajbmeb-1781	54	119	and	and	CCONJ
ajbmeb-1781	54	120	the	the	DET
ajbmeb-1781	54	121	insured	insured	ADJ
ajbmeb-1781	54	122	person	person	NOUN
ajbmeb-1781	54	123	"	"	PUNCT
ajbmeb-1781	54	124	.	.	PUNCT
ajbmeb-1781	55	1	"	"	PUNCT
ajbmeb-1781	55	2	insurance	insurance	NOUN
ajbmeb-1781	55	3	is	be	AUX
ajbmeb-1781	55	4	a	a	DET
ajbmeb-1781	55	5	means	means	NOUN
ajbmeb-1781	55	6	of	of	ADP
ajbmeb-1781	55	7	protecting	protect	VERB
ajbmeb-1781	55	8	an	an	DET
ajbmeb-1781	55	9	enterprise	enterprise	NOUN
ajbmeb-1781	55	10	and	and	CCONJ
ajbmeb-1781	55	11	the	the	DET
ajbmeb-1781	55	12	population	population	NOUN
ajbmeb-1781	55	13	from	from	ADP
ajbmeb-1781	55	14	harm	harm	NOUN
ajbmeb-1781	55	15	,	,	PUNCT
ajbmeb-1781	55	16	a	a	DET
ajbmeb-1781	55	17	source	source	NOUN
ajbmeb-1781	55	18	of	of	ADP
ajbmeb-1781	55	19	investment	investment	NOUN
ajbmeb-1781	55	20	in	in	ADP
ajbmeb-1781	55	21	the	the	DET
ajbmeb-1781	55	22	economy	economy	NOUN
ajbmeb-1781	55	23	,	,	PUNCT
ajbmeb-1781	55	24	as	as	ADV
ajbmeb-1781	55	25	well	well	ADV
ajbmeb-1781	55	26	as	as	ADP
ajbmeb-1781	55	27	the	the	DET
ajbmeb-1781	55	28	basis	basis	NOUN
ajbmeb-1781	55	29	of	of	ADP
ajbmeb-1781	55	30	stability	stability	NOUN
ajbmeb-1781	55	31	and	and	CCONJ
ajbmeb-1781	55	32	financial	financial	ADJ
ajbmeb-1781	55	33	security	security	NOUN
ajbmeb-1781	55	34	of	of	ADP
ajbmeb-1781	55	35	society	society	NOUN
ajbmeb-1781	55	36	"	"	PUNCT
ajbmeb-1781	55	37	this	this	PRON
ajbmeb-1781	55	38	is	be	AUX
ajbmeb-1781	55	39	how	how	SCONJ
ajbmeb-1781	55	40	russian	russian	ADJ
ajbmeb-1781	55	41	scientists	scientist	NOUN
ajbmeb-1781	55	42	l.n	l.n	PROPN
ajbmeb-1781	55	43	.	.	PROPN
ajbmeb-1781	55	44	klochenko	klochenko	PROPN
ajbmeb-1781	55	45	and	and	CCONJ
ajbmeb-1781	55	46	k.i	k.i	PROPN
ajbmeb-1781	55	47	.	.	PROPN
ajbmeb-1781	55	48	pylov	pylov	PROPN
ajbmeb-1781	56	1	[	[	X
ajbmeb-1781	56	2	3	3	NUM
ajbmeb-1781	56	3	]	]	PUNCT
ajbmeb-1781	56	4	.	.	PUNCT
ajbmeb-1781	57	1	as	as	SCONJ
ajbmeb-1781	57	2	can	can	AUX
ajbmeb-1781	57	3	be	be	AUX
ajbmeb-1781	57	4	seen	see	VERB
ajbmeb-1781	57	5	from	from	ADP
ajbmeb-1781	57	6	the	the	DET
ajbmeb-1781	57	7	sources	source	NOUN
ajbmeb-1781	57	8	,	,	PUNCT
ajbmeb-1781	57	9	there	there	PRON
ajbmeb-1781	57	10	are	be	VERB
ajbmeb-1781	57	11	different	different	ADJ
ajbmeb-1781	57	12	approaches	approach	NOUN
ajbmeb-1781	57	13	to	to	ADP
ajbmeb-1781	57	14	the	the	DET
ajbmeb-1781	57	15	concept	concept	NOUN
ajbmeb-1781	57	16	of	of	ADP
ajbmeb-1781	57	17	"	"	PUNCT
ajbmeb-1781	57	18	insurance	insurance	NOUN
ajbmeb-1781	57	19	"	"	PUNCT
ajbmeb-1781	57	20	.	.	PUNCT
ajbmeb-1781	58	1	if	if	SCONJ
ajbmeb-1781	58	2	some	some	PRON
ajbmeb-1781	58	3	of	of	ADP
ajbmeb-1781	58	4	them	they	PRON
ajbmeb-1781	58	5	imply	imply	VERB
ajbmeb-1781	58	6	that	that	SCONJ
ajbmeb-1781	58	7	policyholders	policyholder	NOUN
ajbmeb-1781	58	8	are	be	AUX
ajbmeb-1781	58	9	a	a	DET
ajbmeb-1781	58	10	special	special	ADJ
ajbmeb-1781	58	11	"	"	PUNCT
ajbmeb-1781	58	12	fund	fund	NOUN
ajbmeb-1781	58	13	"	"	PUNCT
ajbmeb-1781	58	14	formed	form	VERB
ajbmeb-1781	58	15	on	on	ADP
ajbmeb-1781	58	16	the	the	DET
ajbmeb-1781	58	17	basis	basis	NOUN
ajbmeb-1781	58	18	of	of	ADP
ajbmeb-1781	58	19	such	such	ADJ
ajbmeb-1781	58	20	contributions	contribution	NOUN
ajbmeb-1781	58	21	,	,	PUNCT
ajbmeb-1781	58	22	then	then	ADV
ajbmeb-1781	58	23	in	in	ADP
ajbmeb-1781	58	24	some	some	PRON
ajbmeb-1781	58	25	of	of	ADP
ajbmeb-1781	58	26	them	they	PRON
ajbmeb-1781	58	27	one	one	PRON
ajbmeb-1781	58	28	can	can	AUX
ajbmeb-1781	58	29	see	see	VERB
ajbmeb-1781	58	30	a	a	DET
ajbmeb-1781	58	31	"	"	PUNCT
ajbmeb-1781	58	32	means	mean	NOUN
ajbmeb-1781	58	33	of	of	ADP
ajbmeb-1781	58	34	protection	protection	NOUN
ajbmeb-1781	58	35	"	"	PUNCT
ajbmeb-1781	58	36	from	from	ADP
ajbmeb-1781	58	37	losses	loss	NOUN
ajbmeb-1781	58	38	,	,	PUNCT
ajbmeb-1781	58	39	in	in	ADP
ajbmeb-1781	58	40	others	other	NOUN
ajbmeb-1781	58	41	–	–	PUNCT
ajbmeb-1781	58	42	a	a	DET
ajbmeb-1781	58	43	"	"	PUNCT
ajbmeb-1781	58	44	form	form	NOUN
ajbmeb-1781	58	45	of	of	ADP
ajbmeb-1781	58	46	formation	formation	NOUN
ajbmeb-1781	58	47	american	american	ADJ
ajbmeb-1781	58	48	journal	journal	PROPN
ajbmeb-1781	58	49	of	of	ADP
ajbmeb-1781	58	50	business	business	NOUN
ajbmeb-1781	58	51	management	management	NOUN
ajbmeb-1781	58	52	,	,	PUNCT
ajbmeb-1781	58	53	economics	economic	NOUN
ajbmeb-1781	58	54	and	and	CCONJ
ajbmeb-1781	58	55	banking	banking	NOUN
ajbmeb-1781	58	56	volume	volume	NOUN
ajbmeb-1781	58	57	20	20	NUM
ajbmeb-1781	58	58	january	january	PROPN
ajbmeb-1781	58	59	,	,	PUNCT
ajbmeb-1781	58	60	2024	2024	NUM
ajbmeb-1781	58	61	p	p	NOUN
ajbmeb-1781	58	62	a	a	PRON
ajbmeb-1781	58	63	g	g	NOUN
ajbmeb-1781	58	64	e	e	NOUN
ajbmeb-1781	58	65	|	|	ADV
ajbmeb-1781	58	66	246	246	NUM
ajbmeb-1781	58	67	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1781	58	68	and	and	CCONJ
ajbmeb-1781	58	69	distribution	distribution	NOUN
ajbmeb-1781	58	70	of	of	ADP
ajbmeb-1781	58	71	a	a	DET
ajbmeb-1781	58	72	monetary	monetary	ADJ
ajbmeb-1781	58	73	fund	fund	NOUN
ajbmeb-1781	58	74	"	"	PUNCT
ajbmeb-1781	58	75	in	in	ADP
ajbmeb-1781	58	76	the	the	DET
ajbmeb-1781	58	77	management	management	NOUN
ajbmeb-1781	58	78	of	of	ADP
ajbmeb-1781	58	79	a	a	DET
ajbmeb-1781	58	80	special	special	ADJ
ajbmeb-1781	58	81	organization	organization	NOUN
ajbmeb-1781	58	82	(	(	PUNCT
ajbmeb-1781	58	83	insurer	insurer	NOUN
ajbmeb-1781	58	84	)	)	PUNCT
ajbmeb-1781	58	85	or	or	CCONJ
ajbmeb-1781	58	86	"	"	PUNCT
ajbmeb-1781	58	87	economic	economic	ADJ
ajbmeb-1781	58	88	relations	relation	NOUN
ajbmeb-1781	58	89	"	"	PUNCT
ajbmeb-1781	58	90	or	or	CCONJ
ajbmeb-1781	58	91	"	"	PUNCT
ajbmeb-1781	58	92	civil	civil	ADJ
ajbmeb-1781	58	93	law	law	NOUN
ajbmeb-1781	58	94	relations	relation	NOUN
ajbmeb-1781	58	95	"	"	PUNCT
ajbmeb-1781	58	96	related	relate	VERB
ajbmeb-1781	58	97	to	to	ADP
ajbmeb-1781	58	98	compensation	compensation	NOUN
ajbmeb-1781	58	99	for	for	ADP
ajbmeb-1781	58	100	damages	damage	NOUN
ajbmeb-1781	58	101	.	.	PUNCT
ajbmeb-1781	59	1	analysis	analysis	NOUN
ajbmeb-1781	59	2	a	a	DET
ajbmeb-1781	59	3	mechanism	mechanism	NOUN
ajbmeb-1781	59	4	that	that	PRON
ajbmeb-1781	59	5	guarantees	guarantee	VERB
ajbmeb-1781	59	6	the	the	DET
ajbmeb-1781	59	7	protection	protection	NOUN
ajbmeb-1781	59	8	of	of	ADP
ajbmeb-1781	59	9	economic	economic	ADJ
ajbmeb-1781	59	10	entities	entity	NOUN
ajbmeb-1781	59	11	,	,	PUNCT
ajbmeb-1781	59	12	including	include	VERB
ajbmeb-1781	59	13	insurance	insurance	NOUN
ajbmeb-1781	59	14	institutions	institution	NOUN
ajbmeb-1781	59	15	,	,	PUNCT
ajbmeb-1781	59	16	eliminates	eliminate	VERB
ajbmeb-1781	59	17	or	or	CCONJ
ajbmeb-1781	59	18	minimizes	minimize	VERB
ajbmeb-1781	59	19	damage	damage	NOUN
ajbmeb-1781	59	20	not	not	PART
ajbmeb-1781	59	21	only	only	ADV
ajbmeb-1781	59	22	to	to	ADP
ajbmeb-1781	59	23	the	the	DET
ajbmeb-1781	59	24	potential	potential	NOUN
ajbmeb-1781	59	25	of	of	ADP
ajbmeb-1781	59	26	this	this	DET
ajbmeb-1781	59	27	institution	institution	NOUN
ajbmeb-1781	59	28	,	,	PUNCT
ajbmeb-1781	59	29	but	but	CCONJ
ajbmeb-1781	59	30	also	also	ADV
ajbmeb-1781	59	31	to	to	ADP
ajbmeb-1781	59	32	the	the	DET
ajbmeb-1781	59	33	economy	economy	NOUN
ajbmeb-1781	59	34	of	of	ADP
ajbmeb-1781	59	35	the	the	DET
ajbmeb-1781	59	36	country	country	NOUN
ajbmeb-1781	59	37	(	(	PUNCT
ajbmeb-1781	59	38	region	region	NOUN
ajbmeb-1781	59	39	)	)	PUNCT
ajbmeb-1781	59	40	as	as	ADP
ajbmeb-1781	59	41	a	a	DET
ajbmeb-1781	59	42	whole	whole	NOUN
ajbmeb-1781	59	43	.	.	PUNCT
ajbmeb-1781	60	1	this	this	PRON
ajbmeb-1781	60	2	is	be	AUX
ajbmeb-1781	60	3	precisely	precisely	ADV
ajbmeb-1781	60	4	the	the	DET
ajbmeb-1781	60	5	main	main	ADJ
ajbmeb-1781	60	6	function	function	NOUN
ajbmeb-1781	60	7	of	of	ADP
ajbmeb-1781	60	8	ensuring	ensure	VERB
ajbmeb-1781	60	9	the	the	DET
ajbmeb-1781	60	10	economic	economic	ADJ
ajbmeb-1781	60	11	security	security	NOUN
ajbmeb-1781	60	12	of	of	ADP
ajbmeb-1781	60	13	economic	economic	ADJ
ajbmeb-1781	60	14	entities	entity	NOUN
ajbmeb-1781	60	15	–	–	PUNCT
ajbmeb-1781	60	16	increasing	increase	VERB
ajbmeb-1781	60	17	scientific	scientific	ADJ
ajbmeb-1781	60	18	and	and	CCONJ
ajbmeb-1781	60	19	economic	economic	ADJ
ajbmeb-1781	60	20	potential	potential	NOUN
ajbmeb-1781	60	21	.	.	PUNCT
ajbmeb-1781	61	1	there	there	PRON
ajbmeb-1781	61	2	are	be	VERB
ajbmeb-1781	61	3	groups	group	NOUN
ajbmeb-1781	61	4	of	of	ADP
ajbmeb-1781	61	5	factors	factor	NOUN
ajbmeb-1781	61	6	affecting	affect	VERB
ajbmeb-1781	61	7	the	the	DET
ajbmeb-1781	61	8	internal	internal	ADJ
ajbmeb-1781	61	9	and	and	CCONJ
ajbmeb-1781	61	10	external	external	ADJ
ajbmeb-1781	61	11	environment	environment	NOUN
ajbmeb-1781	61	12	on	on	ADP
ajbmeb-1781	61	13	the	the	DET
ajbmeb-1781	61	14	security	security	NOUN
ajbmeb-1781	61	15	of	of	ADP
ajbmeb-1781	61	16	an	an	DET
ajbmeb-1781	61	17	organization	organization	NOUN
ajbmeb-1781	61	18	,	,	PUNCT
ajbmeb-1781	61	19	each	each	PRON
ajbmeb-1781	61	20	of	of	ADP
ajbmeb-1781	61	21	which	which	PRON
ajbmeb-1781	61	22	may	may	AUX
ajbmeb-1781	61	23	contain	contain	VERB
ajbmeb-1781	61	24	different	different	ADJ
ajbmeb-1781	61	25	types	type	NOUN
ajbmeb-1781	61	26	of	of	ADP
ajbmeb-1781	61	27	threats	threat	NOUN
ajbmeb-1781	61	28	:	:	PUNCT
ajbmeb-1781	61	29	economic	economic	ADJ
ajbmeb-1781	61	30	,	,	PUNCT
ajbmeb-1781	61	31	market	market	NOUN
ajbmeb-1781	61	32	,	,	PUNCT
ajbmeb-1781	61	33	political	political	ADJ
ajbmeb-1781	61	34	,	,	PUNCT
ajbmeb-1781	61	35	criminal	criminal	ADJ
ajbmeb-1781	61	36	,	,	PUNCT
ajbmeb-1781	61	37	technological	technological	ADJ
ajbmeb-1781	61	38	,	,	PUNCT
ajbmeb-1781	61	39	competitive	competitive	ADJ
ajbmeb-1781	61	40	,	,	PUNCT
ajbmeb-1781	61	41	social	social	ADJ
ajbmeb-1781	61	42	,	,	PUNCT
ajbmeb-1781	61	43	international	international	ADJ
ajbmeb-1781	61	44	,	,	PUNCT
ajbmeb-1781	61	45	etc	etc	X
ajbmeb-1781	61	46	.	.	PUNCT
ajbmeb-1781	62	1	[	[	X
ajbmeb-1781	62	2	4,p.187	4,p.187	NUM
ajbmeb-1781	62	3	]	]	X
ajbmeb-1781	62	4	.	.	PUNCT
ajbmeb-1781	63	1	the	the	DET
ajbmeb-1781	63	2	main	main	ADJ
ajbmeb-1781	63	3	factors	factor	NOUN
ajbmeb-1781	63	4	affecting	affect	VERB
ajbmeb-1781	63	5	the	the	DET
ajbmeb-1781	63	6	stability	stability	NOUN
ajbmeb-1781	63	7	and	and	CCONJ
ajbmeb-1781	63	8	economic	economic	ADJ
ajbmeb-1781	63	9	security	security	NOUN
ajbmeb-1781	63	10	of	of	ADP
ajbmeb-1781	63	11	the	the	DET
ajbmeb-1781	63	12	company	company	NOUN
ajbmeb-1781	63	13	include	include	VERB
ajbmeb-1781	63	14	:	:	PUNCT
ajbmeb-1781	63	15	–	–	PUNCT
ajbmeb-1781	63	16	the	the	DET
ajbmeb-1781	63	17	size	size	NOUN
ajbmeb-1781	63	18	of	of	ADP
ajbmeb-1781	63	19	the	the	DET
ajbmeb-1781	63	20	company	company	NOUN
ajbmeb-1781	63	21	;	;	PUNCT
ajbmeb-1781	63	22	–	–	PUNCT
ajbmeb-1781	63	23	external	external	ADJ
ajbmeb-1781	63	24	risks	risk	NOUN
ajbmeb-1781	63	25	;	;	PUNCT
ajbmeb-1781	63	26	–	–	PUNCT
ajbmeb-1781	63	27	balance	balance	NOUN
ajbmeb-1781	63	28	of	of	ADP
ajbmeb-1781	63	29	the	the	DET
ajbmeb-1781	63	30	insurance	insurance	NOUN
ajbmeb-1781	63	31	portfolio	portfolio	NOUN
ajbmeb-1781	63	32	;	;	PUNCT
ajbmeb-1781	63	33	–	–	PUNCT
ajbmeb-1781	63	34	development	development	NOUN
ajbmeb-1781	63	35	and	and	CCONJ
ajbmeb-1781	63	36	sustainability	sustainability	NOUN
ajbmeb-1781	63	37	of	of	ADP
ajbmeb-1781	63	38	the	the	DET
ajbmeb-1781	63	39	customer	customer	NOUN
ajbmeb-1781	63	40	base	base	NOUN
ajbmeb-1781	63	41	;	;	PUNCT
ajbmeb-1781	63	42	–	–	PUNCT
ajbmeb-1781	63	43	balance	balance	NOUN
ajbmeb-1781	63	44	of	of	ADP
ajbmeb-1781	63	45	financial	financial	ADJ
ajbmeb-1781	63	46	flows	flow	NOUN
ajbmeb-1781	63	47	;	;	PUNCT
ajbmeb-1781	63	48	–	–	PUNCT
ajbmeb-1781	63	49	the	the	DET
ajbmeb-1781	63	50	state	state	NOUN
ajbmeb-1781	63	51	of	of	ADP
ajbmeb-1781	63	52	the	the	DET
ajbmeb-1781	63	53	branch	branch	NOUN
ajbmeb-1781	63	54	network	network	NOUN
ajbmeb-1781	63	55	;	;	PUNCT
ajbmeb-1781	63	56	–	–	PUNCT
ajbmeb-1781	63	57	the	the	DET
ajbmeb-1781	63	58	period	period	NOUN
ajbmeb-1781	63	59	of	of	ADP
ajbmeb-1781	63	60	the	the	DET
ajbmeb-1781	63	61	company	company	NOUN
ajbmeb-1781	63	62	's	's	PART
ajbmeb-1781	63	63	existence	existence	NOUN
ajbmeb-1781	63	64	on	on	ADP
ajbmeb-1781	63	65	the	the	DET
ajbmeb-1781	63	66	market	market	NOUN
ajbmeb-1781	63	67	;	;	PUNCT
ajbmeb-1781	63	68	–	–	PUNCT
ajbmeb-1781	63	69	the	the	DET
ajbmeb-1781	63	70	business	business	NOUN
ajbmeb-1781	63	71	potential	potential	NOUN
ajbmeb-1781	63	72	of	of	ADP
ajbmeb-1781	63	73	the	the	DET
ajbmeb-1781	63	74	company	company	NOUN
ajbmeb-1781	63	75	.	.	PUNCT
ajbmeb-1781	64	1	each	each	DET
ajbmeb-1781	64	2	insurance	insurance	NOUN
ajbmeb-1781	64	3	company	company	NOUN
ajbmeb-1781	64	4	uses	use	VERB
ajbmeb-1781	64	5	its	its	PRON
ajbmeb-1781	64	6	own	own	ADJ
ajbmeb-1781	64	7	appropriate	appropriate	ADJ
ajbmeb-1781	64	8	set	set	NOUN
ajbmeb-1781	64	9	of	of	ADP
ajbmeb-1781	64	10	measures	measure	NOUN
ajbmeb-1781	64	11	and	and	CCONJ
ajbmeb-1781	64	12	methods	method	NOUN
ajbmeb-1781	64	13	that	that	PRON
ajbmeb-1781	64	14	are	be	AUX
ajbmeb-1781	64	15	suitable	suitable	ADJ
ajbmeb-1781	64	16	for	for	ADP
ajbmeb-1781	64	17	both	both	CCONJ
ajbmeb-1781	64	18	its	its	PRON
ajbmeb-1781	64	19	internal	internal	ADJ
ajbmeb-1781	64	20	and	and	CCONJ
ajbmeb-1781	64	21	external	external	ADJ
ajbmeb-1781	64	22	environment	environment	NOUN
ajbmeb-1781	64	23	.	.	PUNCT
ajbmeb-1781	65	1	in	in	ADP
ajbmeb-1781	65	2	the	the	DET
ajbmeb-1781	65	3	mode	mode	NOUN
ajbmeb-1781	65	4	of	of	ADP
ajbmeb-1781	65	5	sustainable	sustainable	ADJ
ajbmeb-1781	65	6	operation	operation	NOUN
ajbmeb-1781	65	7	,	,	PUNCT
ajbmeb-1781	65	8	an	an	DET
ajbmeb-1781	65	9	insurance	insurance	NOUN
ajbmeb-1781	65	10	company	company	NOUN
ajbmeb-1781	65	11	,	,	PUNCT
ajbmeb-1781	65	12	when	when	SCONJ
ajbmeb-1781	65	13	solving	solve	VERB
ajbmeb-1781	65	14	problems	problem	NOUN
ajbmeb-1781	65	15	of	of	ADP
ajbmeb-1781	65	16	its	its	PRON
ajbmeb-1781	65	17	economic	economic	ADJ
ajbmeb-1781	65	18	security	security	NOUN
ajbmeb-1781	65	19	,	,	PUNCT
ajbmeb-1781	65	20	pays	pay	VERB
ajbmeb-1781	65	21	great	great	ADJ
ajbmeb-1781	65	22	attention	attention	NOUN
ajbmeb-1781	65	23	to	to	ADP
ajbmeb-1781	65	24	maintaining	maintain	VERB
ajbmeb-1781	65	25	a	a	DET
ajbmeb-1781	65	26	normal	normal	ADJ
ajbmeb-1781	65	27	rhythm	rhythm	NOUN
ajbmeb-1781	65	28	of	of	ADP
ajbmeb-1781	65	29	functioning	function	VERB
ajbmeb-1781	65	30	,	,	PUNCT
ajbmeb-1781	65	31	preventing	prevent	VERB
ajbmeb-1781	65	32	material	material	NOUN
ajbmeb-1781	65	33	and/or	and/or	CCONJ
ajbmeb-1781	65	34	financial	financial	ADJ
ajbmeb-1781	65	35	damage	damage	NOUN
ajbmeb-1781	65	36	,	,	PUNCT
ajbmeb-1781	65	37	preventing	prevent	VERB
ajbmeb-1781	65	38	illegal	illegal	ADJ
ajbmeb-1781	65	39	access	access	NOUN
ajbmeb-1781	65	40	to	to	ADP
ajbmeb-1781	65	41	official	official	ADJ
ajbmeb-1781	65	42	information	information	NOUN
ajbmeb-1781	65	43	and	and	CCONJ
ajbmeb-1781	65	44	destruction	destruction	NOUN
ajbmeb-1781	65	45	of	of	ADP
ajbmeb-1781	65	46	computer	computer	NOUN
ajbmeb-1781	65	47	databases	database	NOUN
ajbmeb-1781	65	48	,	,	PUNCT
ajbmeb-1781	65	49	countering	counter	VERB
ajbmeb-1781	65	50	unfair	unfair	ADJ
ajbmeb-1781	65	51	competition	competition	NOUN
ajbmeb-1781	65	52	and	and	CCONJ
ajbmeb-1781	65	53	more	more	ADJ
ajbmeb-1781	65	54	.	.	PUNCT
ajbmeb-1781	66	1	the	the	DET
ajbmeb-1781	66	2	continuous	continuous	ADJ
ajbmeb-1781	66	3	strengthening	strengthening	NOUN
ajbmeb-1781	66	4	of	of	ADP
ajbmeb-1781	66	5	factors	factor	NOUN
ajbmeb-1781	66	6	that	that	PRON
ajbmeb-1781	66	7	threaten	threaten	VERB
ajbmeb-1781	66	8	the	the	DET
ajbmeb-1781	66	9	economic	economic	ADJ
ajbmeb-1781	66	10	security	security	NOUN
ajbmeb-1781	66	11	of	of	ADP
ajbmeb-1781	66	12	an	an	DET
ajbmeb-1781	66	13	insurance	insurance	NOUN
ajbmeb-1781	66	14	company	company	NOUN
ajbmeb-1781	66	15	and	and	CCONJ
ajbmeb-1781	66	16	cause	cause	VERB
ajbmeb-1781	66	17	its	its	PRON
ajbmeb-1781	66	18	depressed	depressed	ADJ
ajbmeb-1781	66	19	development	development	NOUN
ajbmeb-1781	66	20	raises	raise	VERB
ajbmeb-1781	66	21	the	the	DET
ajbmeb-1781	66	22	question	question	NOUN
ajbmeb-1781	66	23	of	of	ADP
ajbmeb-1781	66	24	creating	create	VERB
ajbmeb-1781	66	25	a	a	DET
ajbmeb-1781	66	26	system	system	NOUN
ajbmeb-1781	66	27	for	for	ADP
ajbmeb-1781	66	28	monitoring	monitor	VERB
ajbmeb-1781	66	29	the	the	DET
ajbmeb-1781	66	30	condition	condition	NOUN
ajbmeb-1781	66	31	and	and	CCONJ
ajbmeb-1781	66	32	dynamics	dynamic	NOUN
ajbmeb-1781	66	33	of	of	ADP
ajbmeb-1781	66	34	the	the	DET
ajbmeb-1781	66	35	company	company	NOUN
ajbmeb-1781	66	36	's	's	PART
ajbmeb-1781	66	37	development	development	NOUN
ajbmeb-1781	66	38	in	in	ADP
ajbmeb-1781	66	39	order	order	NOUN
ajbmeb-1781	66	40	to	to	PART
ajbmeb-1781	66	41	warn	warn	VERB
ajbmeb-1781	66	42	about	about	ADP
ajbmeb-1781	66	43	the	the	DET
ajbmeb-1781	66	44	impending	impending	ADJ
ajbmeb-1781	66	45	danger	danger	NOUN
ajbmeb-1781	66	46	and	and	CCONJ
ajbmeb-1781	66	47	take	take	VERB
ajbmeb-1781	66	48	the	the	DET
ajbmeb-1781	66	49	necessary	necessary	ADJ
ajbmeb-1781	66	50	protective	protective	ADJ
ajbmeb-1781	66	51	and	and	CCONJ
ajbmeb-1781	66	52	counter	counter	NOUN
ajbmeb-1781	66	53	measures	measure	NOUN
ajbmeb-1781	66	54	.	.	PUNCT
ajbmeb-1781	67	1	it	it	PRON
ajbmeb-1781	67	2	is	be	AUX
ajbmeb-1781	67	3	essential	essential	ADJ
ajbmeb-1781	67	4	to	to	PART
ajbmeb-1781	67	5	determine	determine	VERB
ajbmeb-1781	67	6	the	the	DET
ajbmeb-1781	67	7	characteristics	characteristic	NOUN
ajbmeb-1781	67	8	of	of	ADP
ajbmeb-1781	67	9	the	the	DET
ajbmeb-1781	67	10	economic	economic	ADJ
ajbmeb-1781	67	11	security	security	NOUN
ajbmeb-1781	67	12	of	of	ADP
ajbmeb-1781	67	13	an	an	DET
ajbmeb-1781	67	14	insurance	insurance	NOUN
ajbmeb-1781	67	15	company	company	NOUN
ajbmeb-1781	67	16	(	(	PUNCT
ajbmeb-1781	67	17	indicators	indicator	NOUN
ajbmeb-1781	67	18	)	)	PUNCT
ajbmeb-1781	67	19	.	.	PUNCT
ajbmeb-1781	68	1	both	both	PRON
ajbmeb-1781	68	2	the	the	DET
ajbmeb-1781	68	3	degree	degree	NOUN
ajbmeb-1781	68	4	of	of	ADP
ajbmeb-1781	68	5	adequacy	adequacy	NOUN
ajbmeb-1781	68	6	of	of	ADP
ajbmeb-1781	68	7	the	the	DET
ajbmeb-1781	68	8	assessment	assessment	NOUN
ajbmeb-1781	68	9	of	of	ADP
ajbmeb-1781	68	10	the	the	DET
ajbmeb-1781	68	11	company	company	NOUN
ajbmeb-1781	68	12	's	's	PART
ajbmeb-1781	68	13	economic	economic	ADJ
ajbmeb-1781	68	14	security	security	NOUN
ajbmeb-1781	68	15	,	,	PUNCT
ajbmeb-1781	68	16	which	which	PRON
ajbmeb-1781	68	17	corresponds	correspond	VERB
ajbmeb-1781	68	18	to	to	ADP
ajbmeb-1781	68	19	the	the	DET
ajbmeb-1781	68	20	real	real	ADJ
ajbmeb-1781	68	21	state	state	NOUN
ajbmeb-1781	68	22	of	of	ADP
ajbmeb-1781	68	23	affairs	affair	NOUN
ajbmeb-1781	68	24	,	,	PUNCT
ajbmeb-1781	68	25	and	and	CCONJ
ajbmeb-1781	68	26	the	the	DET
ajbmeb-1781	68	27	correctness	correctness	NOUN
ajbmeb-1781	68	28	of	of	ADP
ajbmeb-1781	68	29	the	the	DET
ajbmeb-1781	68	30	justification	justification	NOUN
ajbmeb-1781	68	31	of	of	ADP
ajbmeb-1781	68	32	the	the	DET
ajbmeb-1781	68	33	complex	complex	NOUN
ajbmeb-1781	68	34	of	of	ADP
ajbmeb-1781	68	35	necessary	necessary	ADJ
ajbmeb-1781	68	36	measures	measure	NOUN
ajbmeb-1781	68	37	to	to	PART
ajbmeb-1781	68	38	prevent	prevent	VERB
ajbmeb-1781	68	39	and	and	CCONJ
ajbmeb-1781	68	40	eliminate	eliminate	VERB
ajbmeb-1781	68	41	the	the	DET
ajbmeb-1781	68	42	danger	danger	NOUN
ajbmeb-1781	68	43	corresponding	correspond	VERB
ajbmeb-1781	68	44	to	to	ADP
ajbmeb-1781	68	45	the	the	DET
ajbmeb-1781	68	46	scale	scale	NOUN
ajbmeb-1781	68	47	and	and	CCONJ
ajbmeb-1781	68	48	nature	nature	NOUN
ajbmeb-1781	68	49	of	of	ADP
ajbmeb-1781	68	50	the	the	DET
ajbmeb-1781	68	51	threats	threat	NOUN
ajbmeb-1781	68	52	depend	depend	VERB
ajbmeb-1781	68	53	on	on	ADP
ajbmeb-1781	68	54	the	the	DET
ajbmeb-1781	68	55	accurate	accurate	ADJ
ajbmeb-1781	68	56	recognition	recognition	NOUN
ajbmeb-1781	68	57	of	of	ADP
ajbmeb-1781	68	58	hazards	hazard	NOUN
ajbmeb-1781	68	59	,	,	PUNCT
ajbmeb-1781	68	60	on	on	ADP
ajbmeb-1781	68	61	the	the	DET
ajbmeb-1781	68	62	correct	correct	ADJ
ajbmeb-1781	68	63	choice	choice	NOUN
ajbmeb-1781	68	64	of	of	ADP
ajbmeb-1781	68	65	meters	meter	NOUN
ajbmeb-1781	68	66	for	for	ADP
ajbmeb-1781	68	67	their	their	PRON
ajbmeb-1781	68	68	manifestation	manifestation	NOUN
ajbmeb-1781	68	69	.	.	PUNCT
ajbmeb-1781	69	1	in	in	ADP
ajbmeb-1781	69	2	general	general	ADJ
ajbmeb-1781	69	3	,	,	PUNCT
ajbmeb-1781	69	4	for	for	ADP
ajbmeb-1781	69	5	an	an	DET
ajbmeb-1781	69	6	insurance	insurance	NOUN
ajbmeb-1781	69	7	company	company	NOUN
ajbmeb-1781	69	8	,	,	PUNCT
ajbmeb-1781	69	9	the	the	DET
ajbmeb-1781	69	10	concept	concept	NOUN
ajbmeb-1781	69	11	of	of	ADP
ajbmeb-1781	69	12	quantitative	quantitative	ADJ
ajbmeb-1781	69	13	and	and	CCONJ
ajbmeb-1781	69	14	qualitative	qualitative	ADJ
ajbmeb-1781	69	15	indicators	indicator	NOUN
ajbmeb-1781	69	16	of	of	ADP
ajbmeb-1781	69	17	economic	economic	ADJ
ajbmeb-1781	69	18	security	security	NOUN
ajbmeb-1781	69	19	may	may	AUX
ajbmeb-1781	69	20	contain	contain	VERB
ajbmeb-1781	69	21	the	the	DET
ajbmeb-1781	69	22	following	follow	VERB
ajbmeb-1781	69	23	indicators	indicator	NOUN
ajbmeb-1781	69	24	:	:	PUNCT
ajbmeb-1781	69	25	1	1	X
ajbmeb-1781	69	26	)	)	PUNCT
ajbmeb-1781	69	27	indicators	indicator	NOUN
ajbmeb-1781	69	28	of	of	ADP
ajbmeb-1781	69	29	the	the	DET
ajbmeb-1781	69	30	insurance	insurance	NOUN
ajbmeb-1781	69	31	services	service	NOUN
ajbmeb-1781	69	32	provided	provide	VERB
ajbmeb-1781	69	33	(	(	PUNCT
ajbmeb-1781	69	34	rating	rating	NOUN
ajbmeb-1781	69	35	assessment	assessment	NOUN
ajbmeb-1781	69	36	,	,	PUNCT
ajbmeb-1781	69	37	assessment	assessment	NOUN
ajbmeb-1781	69	38	of	of	ADP
ajbmeb-1781	69	39	the	the	DET
ajbmeb-1781	69	40	competitiveness	competitiveness	NOUN
ajbmeb-1781	69	41	of	of	ADP
ajbmeb-1781	69	42	services	service	NOUN
ajbmeb-1781	69	43	and	and	CCONJ
ajbmeb-1781	69	44	others	other	NOUN
ajbmeb-1781	69	45	.	.	PUNCT
ajbmeb-1781	69	46	)	)	PUNCT
ajbmeb-1781	69	47	;	;	PUNCT
ajbmeb-1781	70	1	2	2	X
ajbmeb-1781	70	2	)	)	PUNCT
ajbmeb-1781	70	3	financial	financial	ADJ
ajbmeb-1781	70	4	indicators	indicator	NOUN
ajbmeb-1781	70	5	(	(	PUNCT
ajbmeb-1781	70	6	assessment	assessment	NOUN
ajbmeb-1781	70	7	of	of	ADP
ajbmeb-1781	70	8	the	the	DET
ajbmeb-1781	70	9	level	level	NOUN
ajbmeb-1781	70	10	of	of	ADP
ajbmeb-1781	70	11	solvency	solvency	NOUN
ajbmeb-1781	70	12	and	and	CCONJ
ajbmeb-1781	70	13	financial	financial	ADJ
ajbmeb-1781	70	14	stability	stability	NOUN
ajbmeb-1781	70	15	of	of	ADP
ajbmeb-1781	70	16	the	the	DET
ajbmeb-1781	70	17	organization	organization	NOUN
ajbmeb-1781	70	18	and	and	CCONJ
ajbmeb-1781	70	19	others	other	NOUN
ajbmeb-1781	70	20	.	.	PUNCT
ajbmeb-1781	70	21	)	)	PUNCT
ajbmeb-1781	70	22	;	;	PUNCT
ajbmeb-1781	70	23	3	3	X
ajbmeb-1781	70	24	)	)	PUNCT
ajbmeb-1781	70	25	social	social	ADJ
ajbmeb-1781	70	26	indicators	indicator	NOUN
ajbmeb-1781	70	27	(	(	PUNCT
ajbmeb-1781	70	28	assessment	assessment	NOUN
ajbmeb-1781	70	29	of	of	ADP
ajbmeb-1781	70	30	the	the	DET
ajbmeb-1781	70	31	level	level	NOUN
ajbmeb-1781	70	32	of	of	ADP
ajbmeb-1781	70	33	salary	salary	NOUN
ajbmeb-1781	70	34	arrears	arrear	NOUN
ajbmeb-1781	70	35	and	and	CCONJ
ajbmeb-1781	70	36	others	other	NOUN
ajbmeb-1781	70	37	.	.	PUNCT
ajbmeb-1781	70	38	)	)	PUNCT
ajbmeb-1781	71	1	american	american	ADJ
ajbmeb-1781	71	2	journal	journal	PROPN
ajbmeb-1781	71	3	of	of	ADP
ajbmeb-1781	71	4	business	business	NOUN
ajbmeb-1781	71	5	management	management	NOUN
ajbmeb-1781	71	6	,	,	PUNCT
ajbmeb-1781	71	7	economics	economic	NOUN
ajbmeb-1781	71	8	and	and	CCONJ
ajbmeb-1781	71	9	banking	banking	NOUN
ajbmeb-1781	71	10	volume	volume	NOUN
ajbmeb-1781	71	11	20	20	NUM
ajbmeb-1781	71	12	january	january	PROPN
ajbmeb-1781	71	13	,	,	PUNCT
ajbmeb-1781	71	14	2024	2024	NUM
ajbmeb-1781	71	15	p	p	NOUN
ajbmeb-1781	71	16	a	a	PRON
ajbmeb-1781	71	17	g	g	NOUN
ajbmeb-1781	71	18	e	e	NOUN
ajbmeb-1781	71	19	|	|	ADV
ajbmeb-1781	71	20	247	247	NUM
ajbmeb-1781	71	21	www.americanjournal.org	www.americanjournal.org	NOUN
ajbmeb-1781	71	22	the	the	DET
ajbmeb-1781	71	23	main	main	ADJ
ajbmeb-1781	71	24	consumers	consumer	NOUN
ajbmeb-1781	71	25	of	of	ADP
ajbmeb-1781	71	26	the	the	DET
ajbmeb-1781	71	27	rating	rating	NOUN
ajbmeb-1781	71	28	assessment	assessment	NOUN
ajbmeb-1781	71	29	are	be	AUX
ajbmeb-1781	71	30	actual	actual	ADJ
ajbmeb-1781	71	31	(	(	PUNCT
ajbmeb-1781	71	32	genuine	genuine	ADJ
ajbmeb-1781	71	33	)	)	PUNCT
ajbmeb-1781	71	34	and	and	CCONJ
ajbmeb-1781	71	35	potential	potential	ADJ
ajbmeb-1781	71	36	(	(	PUNCT
ajbmeb-1781	71	37	possible	possible	ADJ
ajbmeb-1781	71	38	)	)	PUNCT
ajbmeb-1781	71	39	policyholders	policyholder	NOUN
ajbmeb-1781	71	40	.	.	PUNCT
ajbmeb-1781	72	1	since	since	SCONJ
ajbmeb-1781	72	2	their	their	PRON
ajbmeb-1781	72	3	interest	interest	NOUN
ajbmeb-1781	72	4	is	be	AUX
ajbmeb-1781	72	5	focused	focus	VERB
ajbmeb-1781	72	6	on	on	ADP
ajbmeb-1781	72	7	the	the	DET
ajbmeb-1781	72	8	possibility	possibility	NOUN
ajbmeb-1781	72	9	of	of	ADP
ajbmeb-1781	72	10	the	the	DET
ajbmeb-1781	72	11	company	company	NOUN
ajbmeb-1781	72	12	's	's	PART
ajbmeb-1781	72	13	full	full	ADJ
ajbmeb-1781	72	14	and	and	CCONJ
ajbmeb-1781	72	15	timely	timely	ADJ
ajbmeb-1781	72	16	fulfillment	fulfillment	NOUN
ajbmeb-1781	72	17	of	of	ADP
ajbmeb-1781	72	18	its	its	PRON
ajbmeb-1781	72	19	obligations	obligation	NOUN
ajbmeb-1781	72	20	under	under	ADP
ajbmeb-1781	72	21	existing	exist	VERB
ajbmeb-1781	72	22	(	(	PUNCT
ajbmeb-1781	72	23	functioning	function	VERB
ajbmeb-1781	72	24	)	)	PUNCT
ajbmeb-1781	72	25	insurance	insurance	NOUN
ajbmeb-1781	72	26	policies	policy	NOUN
ajbmeb-1781	72	27	,	,	PUNCT
ajbmeb-1781	72	28	as	as	ADV
ajbmeb-1781	72	29	well	well	ADV
ajbmeb-1781	72	30	as	as	ADP
ajbmeb-1781	72	31	the	the	DET
ajbmeb-1781	72	32	prospects	prospect	NOUN
ajbmeb-1781	72	33	for	for	ADP
ajbmeb-1781	72	34	fulfilling	fulfil	VERB
ajbmeb-1781	72	35	newly	newly	ADV
ajbmeb-1781	72	36	emerging	emerge	VERB
ajbmeb-1781	72	37	obligations	obligation	NOUN
ajbmeb-1781	72	38	,	,	PUNCT
ajbmeb-1781	72	39	taking	take	VERB
ajbmeb-1781	72	40	into	into	ADP
ajbmeb-1781	72	41	account	account	NOUN
ajbmeb-1781	72	42	likely	likely	ADJ
ajbmeb-1781	72	43	changes	change	NOUN
ajbmeb-1781	72	44	in	in	ADP
ajbmeb-1781	72	45	the	the	DET
ajbmeb-1781	72	46	economic	economic	ADJ
ajbmeb-1781	72	47	environment	environment	NOUN
ajbmeb-1781	72	48	,	,	PUNCT
ajbmeb-1781	72	49	two	two	NUM
ajbmeb-1781	72	50	key	key	ADJ
ajbmeb-1781	72	51	indicators	indicator	NOUN
ajbmeb-1781	72	52	are	be	AUX
ajbmeb-1781	72	53	considered	consider	VERB
ajbmeb-1781	72	54	when	when	SCONJ
ajbmeb-1781	72	55	determining	determine	VERB
ajbmeb-1781	72	56	the	the	DET
ajbmeb-1781	72	57	level	level	NOUN
ajbmeb-1781	72	58	of	of	ADP
ajbmeb-1781	72	59	reliability	reliability	NOUN
ajbmeb-1781	72	60	:	:	PUNCT
ajbmeb-1781	72	61	the	the	DET
ajbmeb-1781	72	62	company	company	NOUN
ajbmeb-1781	72	63	's	's	PART
ajbmeb-1781	72	64	solvency	solvency	NOUN
ajbmeb-1781	72	65	and	and	CCONJ
ajbmeb-1781	72	66	its	its	PRON
ajbmeb-1781	72	67	financial	financial	ADJ
ajbmeb-1781	72	68	stability	stability	NOUN
ajbmeb-1781	72	69	.	.	PUNCT
ajbmeb-1781	73	1	[	[	X
ajbmeb-1781	73	2	4	4	NUM
ajbmeb-1781	73	3	,	,	PUNCT
ajbmeb-1781	73	4	p.187	p.187	NUM
ajbmeb-1781	73	5	]	]	PUNCT
ajbmeb-1781	73	6	.	.	PUNCT
ajbmeb-1781	74	1	in	in	ADP
ajbmeb-1781	74	2	conclusion	conclusion	NOUN
ajbmeb-1781	74	3	,	,	PUNCT
ajbmeb-1781	74	4	therefore	therefore	ADV
ajbmeb-1781	74	5	,	,	PUNCT
ajbmeb-1781	74	6	it	it	PRON
ajbmeb-1781	74	7	is	be	AUX
ajbmeb-1781	74	8	necessary	necessary	ADJ
ajbmeb-1781	74	9	to	to	PART
ajbmeb-1781	74	10	evaluate	evaluate	VERB
ajbmeb-1781	74	11	not	not	PART
ajbmeb-1781	74	12	only	only	ADV
ajbmeb-1781	74	13	the	the	DET
ajbmeb-1781	74	14	"	"	PUNCT
ajbmeb-1781	74	15	instantaneous	instantaneous	ADJ
ajbmeb-1781	74	16	"	"	PUNCT
ajbmeb-1781	74	17	solvency	solvency	NOUN
ajbmeb-1781	74	18	coefficient	coefficient	NOUN
ajbmeb-1781	74	19	,	,	PUNCT
ajbmeb-1781	74	20	but	but	CCONJ
ajbmeb-1781	74	21	also	also	ADV
ajbmeb-1781	74	22	the	the	DET
ajbmeb-1781	74	23	probability	probability	NOUN
ajbmeb-1781	74	24	of	of	ADP
ajbmeb-1781	74	25	the	the	DET
ajbmeb-1781	74	26	company	company	NOUN
ajbmeb-1781	74	27	to	to	PART
ajbmeb-1781	74	28	maintain	maintain	VERB
ajbmeb-1781	74	29	the	the	DET
ajbmeb-1781	74	30	current	current	ADJ
ajbmeb-1781	74	31	level	level	NOUN
ajbmeb-1781	74	32	of	of	ADP
ajbmeb-1781	74	33	solvency	solvency	NOUN
ajbmeb-1781	74	34	in	in	ADP
ajbmeb-1781	74	35	case	case	NOUN
ajbmeb-1781	74	36	of	of	ADP
ajbmeb-1781	74	37	possible	possible	ADJ
ajbmeb-1781	74	38	external	external	ADJ
ajbmeb-1781	74	39	and	and	CCONJ
ajbmeb-1781	74	40	internal	internal	ADJ
ajbmeb-1781	74	41	threats	threat	NOUN
ajbmeb-1781	74	42	,	,	PUNCT
ajbmeb-1781	74	43	that	that	ADV
ajbmeb-1781	74	44	is	is	ADV
ajbmeb-1781	74	45	,	,	PUNCT
ajbmeb-1781	74	46	its	its	PRON
ajbmeb-1781	74	47	financial	financial	ADJ
ajbmeb-1781	74	48	stability	stability	NOUN
ajbmeb-1781	74	49	.	.	PUNCT
ajbmeb-1781	75	1	in	in	ADP
ajbmeb-1781	75	2	fact	fact	NOUN
ajbmeb-1781	75	3	,	,	PUNCT
ajbmeb-1781	75	4	the	the	DET
ajbmeb-1781	75	5	company	company	NOUN
ajbmeb-1781	75	6	's	's	PART
ajbmeb-1781	75	7	activity	activity	NOUN
ajbmeb-1781	75	8	must	must	AUX
ajbmeb-1781	75	9	necessarily	necessarily	ADV
ajbmeb-1781	75	10	be	be	AUX
ajbmeb-1781	75	11	considered	consider	VERB
ajbmeb-1781	75	12	as	as	ADP
ajbmeb-1781	75	13	some	some	DET
ajbmeb-1781	75	14	kind	kind	NOUN
ajbmeb-1781	75	15	of	of	ADP
ajbmeb-1781	75	16	unforeseen	unforeseen	ADJ
ajbmeb-1781	75	17	process	process	NOUN
ajbmeb-1781	75	18	as	as	ADP
ajbmeb-1781	75	19	an	an	DET
ajbmeb-1781	75	20	indicator	indicator	NOUN
ajbmeb-1781	75	21	in	in	ADP
ajbmeb-1781	75	22	which	which	PRON
ajbmeb-1781	75	23	its	its	PRON
ajbmeb-1781	75	24	solvency	solvency	NOUN
ajbmeb-1781	75	25	is	be	AUX
ajbmeb-1781	75	26	considered	consider	VERB
ajbmeb-1781	75	27	,	,	PUNCT
ajbmeb-1781	75	28	and	and	CCONJ
ajbmeb-1781	75	29	the	the	DET
ajbmeb-1781	75	30	probability	probability	NOUN
ajbmeb-1781	75	31	is	be	AUX
ajbmeb-1781	75	32	estimated	estimate	VERB
ajbmeb-1781	75	33	that	that	SCONJ
ajbmeb-1781	75	34	the	the	DET
ajbmeb-1781	75	35	trajectory	trajectory	NOUN
ajbmeb-1781	75	36	of	of	ADP
ajbmeb-1781	75	37	this	this	DET
ajbmeb-1781	75	38	process	process	NOUN
ajbmeb-1781	75	39	in	in	ADP
ajbmeb-1781	75	40	conditions	condition	NOUN
ajbmeb-1781	75	41	of	of	ADP
ajbmeb-1781	75	42	internal	internal	ADJ
ajbmeb-1781	75	43	and	and	CCONJ
ajbmeb-1781	75	44	external	external	ADJ
ajbmeb-1781	75	45	risks	risk	NOUN
ajbmeb-1781	75	46	in	in	ADP
ajbmeb-1781	75	47	the	the	DET
ajbmeb-1781	75	48	final	final	ADJ
ajbmeb-1781	75	49	interval	interval	NOUN
ajbmeb-1781	75	50	will	will	AUX
ajbmeb-1781	75	51	not	not	PART
ajbmeb-1781	75	52	cross	cross	VERB
ajbmeb-1781	75	53	the	the	DET
ajbmeb-1781	75	54	established	establish	VERB
ajbmeb-1781	75	55	lower	low	ADJ
ajbmeb-1781	75	56	limit	limit	NOUN
ajbmeb-1781	75	57	of	of	ADP
ajbmeb-1781	75	58	the	the	DET
ajbmeb-1781	75	59	acceptable	acceptable	ADJ
ajbmeb-1781	75	60	level	level	NOUN
ajbmeb-1781	75	61	of	of	ADP
ajbmeb-1781	75	62	solvency	solvency	NOUN
ajbmeb-1781	75	63	,	,	PUNCT
ajbmeb-1781	75	64	which	which	PRON
ajbmeb-1781	75	65	may	may	AUX
ajbmeb-1781	75	66	lead	lead	VERB
ajbmeb-1781	75	67	to	to	ADP
ajbmeb-1781	75	68	bankruptcy	bankruptcy	NOUN
ajbmeb-1781	75	69	.	.	PUNCT
ajbmeb-1781	76	1	references	reference	NOUN
ajbmeb-1781	76	2	1	1	NUM
ajbmeb-1781	76	3	.	.	PUNCT
ajbmeb-1781	76	4	ivanov	ivanov	PROPN
ajbmeb-1781	76	5	m.	m.	PROPN
ajbmeb-1781	76	6	theoretical	theoretical	ADJ
ajbmeb-1781	76	7	aspects	aspect	NOUN
ajbmeb-1781	76	8	of	of	ADP
ajbmeb-1781	76	9	insurance	insurance	NOUN
ajbmeb-1781	76	10	//	//	SYM
ajbmeb-1781	76	11	insurance	insurance	NOUN
ajbmeb-1781	76	12	review	review	NOUN
ajbmeb-1781	76	13	.	.	PUNCT
ajbmeb-1781	77	1	–	–	PUNCT
ajbmeb-1781	77	2	2004	2004	NUM
ajbmeb-1781	77	3	.	.	PUNCT
ajbmeb-1781	78	1	–	–	PUNCT
ajbmeb-1781	78	2	7(123	7(123	NUM
ajbmeb-1781	78	3	)	)	PUNCT
ajbmeb-1781	78	4	.	.	PUNCT
ajbmeb-1781	79	1	–	–	PUNCT
ajbmeb-1781	79	2	p.	p.	NOUN
ajbmeb-1781	79	3	20	20	NUM
ajbmeb-1781	79	4	.	.	X
ajbmeb-1781	80	1	2	2	X
ajbmeb-1781	80	2	.	.	X
ajbmeb-1781	80	3	railyan	railyan	PROPN
ajbmeb-1781	80	4	a.i	a.i	PROPN
ajbmeb-1781	80	5	.	.	PROPN
ajbmeb-1781	80	6	insurance	insurance	NOUN
ajbmeb-1781	80	7	contract	contract	NOUN
ajbmeb-1781	80	8	under	under	ADP
ajbmeb-1781	80	9	the	the	DET
ajbmeb-1781	80	10	draft	draft	NOUN
ajbmeb-1781	80	11	civil	civil	ADJ
ajbmeb-1781	80	12	code	code	NOUN
ajbmeb-1781	80	13	//	//	PUNCT
ajbmeb-1781	80	14	history	history	NOUN
ajbmeb-1781	80	15	of	of	ADP
ajbmeb-1781	80	16	the	the	DET
ajbmeb-1781	80	17	state	state	NOUN
ajbmeb-1781	80	18	and	and	CCONJ
ajbmeb-1781	80	19	law	law	NOUN
ajbmeb-1781	80	20	.	.	PUNCT
ajbmeb-1781	81	1	2007	2007	NUM
ajbmeb-1781	81	2	.	.	PUNCT
ajbmeb-1781	82	1	–	–	PUNCT
ajbmeb-1781	82	2	no	no	NOUN
ajbmeb-1781	82	3	.	.	NOUN
ajbmeb-1781	83	1	7	7	X
ajbmeb-1781	83	2	.	.	X
ajbmeb-1781	83	3	–	–	PUNCT
ajbmeb-1781	83	4	p.	p.	NOUN
ajbmeb-1781	83	5	33	33	NUM
ajbmeb-1781	83	6	.	.	PUNCT
ajbmeb-1781	84	1	3	3	X
ajbmeb-1781	84	2	.	.	X
ajbmeb-1781	84	3	klochenko	klochenko	PROPN
ajbmeb-1781	84	4	l.n	l.n	PROPN
ajbmeb-1781	84	5	.	.	PROPN
ajbmeb-1781	84	6	,	,	PUNCT
ajbmeb-1781	84	7	pylov	pylov	PROPN
ajbmeb-1781	84	8	k.i	k.i	PROPN
ajbmeb-1781	84	9	.	.	PUNCT
ajbmeb-1781	84	10	fundamentals	fundamental	NOUN
ajbmeb-1781	84	11	of	of	ADP
ajbmeb-1781	84	12	insurance	insurance	NOUN
ajbmeb-1781	84	13	law	law	NOUN
ajbmeb-1781	84	14	:	:	PUNCT
ajbmeb-1781	84	15	study	study	NOUN
ajbmeb-1781	84	16	.	.	PUNCT
ajbmeb-1781	85	1	settlement	settlement	NOUN
ajbmeb-1781	85	2	–	–	PUNCT
ajbmeb-1781	85	3	yaroslavl	yaroslavl	PROPN
ajbmeb-1781	85	4	:	:	PUNCT
ajbmeb-1781	85	5	nord	nord	PROPN
ajbmeb-1781	85	6	.	.	PUNCT
ajbmeb-1781	85	7	–	–	PUNCT
ajbmeb-1781	85	8	2002	2002	NUM
ajbmeb-1781	85	9	.	.	PUNCT
ajbmeb-1781	86	1	–	–	PUNCT
ajbmeb-1781	86	2	p.	p.	NOUN
ajbmeb-1781	86	3	4	4	NUM
ajbmeb-1781	86	4	.	.	X
ajbmeb-1781	86	5	4	4	NUM
ajbmeb-1781	86	6	.	.	X
ajbmeb-1781	86	7	avdiyskiy	avdiyskiy	PROPN
ajbmeb-1781	87	1	v.i	v.i	PROPN
ajbmeb-1781	87	2	.	.	PROPN
ajbmeb-1781	87	3	,	,	PUNCT
ajbmeb-1781	87	4	dadalko	dadalko	PROPN
ajbmeb-1781	87	5	v.a	v.a	PROPN
ajbmeb-1781	87	6	.	.	PROPN
ajbmeb-1781	87	7	shadow	shadow	PROPN
ajbmeb-1781	87	8	economy	economy	NOUN
ajbmeb-1781	87	9	and	and	CCONJ
ajbmeb-1781	87	10	economic	economic	ADJ
ajbmeb-1781	87	11	security	security	NOUN
ajbmeb-1781	87	12	of	of	ADP
ajbmeb-1781	87	13	the	the	DET
ajbmeb-1781	87	14	state	state	NOUN
ajbmeb-1781	87	15	.	.	PUNCT
ajbmeb-1781	88	1	a	a	DET
ajbmeb-1781	88	2	study	study	NOUN
ajbmeb-1781	88	3	guide	guide	NOUN
ajbmeb-1781	88	4	.	.	PUNCT
ajbmeb-1781	89	1	2nd	2nd	PROPN
ajbmeb-1781	89	2	edition	edition	PROPN
ajbmeb-1781	89	3	.	.	PUNCT
ajbmeb-1781	90	1	moscow	moscow	PROPN
ajbmeb-1781	90	2	:	:	PUNCT
ajbmeb-1781	90	3	infra	infra	NOUN
ajbmeb-1781	90	4	-	-	PUNCT
ajbmeb-1781	90	5	m	m	NOUN
ajbmeb-1781	90	6	,	,	PUNCT
ajbmeb-1781	90	7	2014	2014	NUM
ajbmeb-1781	90	8	.	.	PUNCT