id	sid	tid	token	lemma	pos
issue-351	1	1	baltic	baltic	PROPN
issue-351	1	2	journal	journal	PROPN
issue-351	1	3	of	of	ADP
issue-351	1	4	economic	economic	ADJ
issue-351	1	5	studies	study	NOUN
issue-351	1	6	195	195	NUM
issue-351	1	7	vol	vol	NOUN
issue-351	1	8	.	.	PUNCT
issue-351	2	1	4	4	NUM
issue-351	2	2	,	,	PUNCT
issue-351	2	3	no	no	INTJ
issue-351	2	4	.	.	NOUN
issue-351	2	5	1	1	NUM
issue-351	2	6	,	,	PUNCT
issue-351	2	7	2018	2018	NUM
issue-351	2	8	corresponding	correspond	VERB
issue-351	2	9	author	author	NOUN
issue-351	2	10	:	:	PUNCT
issue-351	2	11	1	1	NUM
issue-351	2	12	department	department	NOUN
issue-351	2	13	of	of	ADP
issue-351	2	14	insurance	insurance	NOUN
issue-351	2	15	,	,	PUNCT
issue-351	2	16	university	university	NOUN
issue-351	2	17	of	of	ADP
issue-351	2	18	lodz	lodz	PROPN
issue-351	2	19	.	.	PUNCT
issue-351	3	1	e	e	X
issue-351	3	2	-	-	NOUN
issue-351	3	3	mail	mail	NOUN
issue-351	3	4	:	:	PUNCT
issue-351	3	5	jurij.klapkiv@uni.lodz.pl	jurij.klapkiv@uni.lodz.pl	PROPN
issue-351	3	6	2	2	NUM
issue-351	3	7	department	department	NOUN
issue-351	3	8	of	of	ADP
issue-351	3	9	insurance	insurance	NOUN
issue-351	3	10	,	,	PUNCT
issue-351	3	11	maria	maria	PROPN
issue-351	3	12	curie	curie	PROPN
issue-351	3	13	-	-	PUNCT
issue-351	3	14	skłodowska	skłodowska	PROPN
issue-351	3	15	university	university	NOUN
issue-351	3	16	in	in	ADP
issue-351	3	17	lublin	lublin	PROPN
issue-351	3	18	.	.	PUNCT
issue-351	4	1	e	e	X
issue-351	4	2	-	-	NOUN
issue-351	4	3	mail	mail	NOUN
issue-351	4	4	:	:	PUNCT
issue-351	4	5	liuba.klapkiv@gmail.com	liuba.klapkiv@gmail.com	PROPN
issue-351	4	6	3	3	NUM
issue-351	4	7	department	department	NOUN
issue-351	4	8	of	of	ADP
issue-351	4	9	accounting	accounting	NOUN
issue-351	4	10	in	in	ADP
issue-351	4	11	the	the	DET
issue-351	4	12	industrial	industrial	ADJ
issue-351	4	13	sphere	sphere	NOUN
issue-351	4	14	,	,	PUNCT
issue-351	4	15	ternopil	ternopil	VERB
issue-351	4	16	national	national	ADJ
issue-351	4	17	economic	economic	PROPN
issue-351	4	18	university	university	NOUN
issue-351	4	19	.	.	PUNCT
issue-351	5	1	e	e	X
issue-351	5	2	-	-	NOUN
issue-351	5	3	mail	mail	NOUN
issue-351	5	4	:	:	PUNCT
issue-351	5	5	zarudna@bigmir.net	zarudna@bigmir.net	PROPN
issue-351	5	6	doi	doi	NOUN
issue-351	5	7	:	:	PUNCT
issue-351	5	8	https://doi.org/10.30525/2256-0742/2018-4-1-195-201	https://doi.org/10.30525/2256-0742/2018-4-1-195-201	VERB
issue-351	5	9	online	online	ADJ
issue-351	5	10	distribution	distribution	NOUN
issue-351	5	11	of	of	ADP
issue-351	5	12	insurance	insurance	NOUN
issue-351	5	13	of	of	ADP
issue-351	5	14	civil	civil	ADJ
issue-351	5	15	liability	liability	NOUN
issue-351	5	16	of	of	ADP
issue-351	5	17	owners	owner	NOUN
issue-351	5	18	of	of	ADP
issue-351	5	19	vehicles	vehicle	NOUN
issue-351	5	20	,	,	PUNCT
issue-351	5	21	the	the	DET
issue-351	5	22	experience	experience	NOUN
issue-351	5	23	of	of	ADP
issue-351	5	24	poland	poland	PROPN
issue-351	5	25	,	,	PUNCT
issue-351	5	26	opportunities	opportunity	NOUN
issue-351	5	27	of	of	ADP
issue-351	5	28	ukraine	ukraine	ADJ
issue-351	5	29	jurij	jurij	PROPN
issue-351	5	30	klapkiv1	klapkiv1	PROPN
issue-351	5	31	university	university	PROPN
issue-351	5	32	of	of	ADP
issue-351	5	33	lodz	lodz	PROPN
issue-351	5	34	,	,	PUNCT
issue-351	5	35	poland	poland	PROPN
issue-351	5	36	lyubov	lyubov	PROPN
issue-351	5	37	klapkiv2	klapkiv2	PROPN
issue-351	5	38	maria	maria	PROPN
issue-351	5	39	curie	curie	PROPN
issue-351	5	40	-	-	PUNCT
issue-351	5	41	skłodowska	skłodowska	PROPN
issue-351	5	42	university	university	PROPN
issue-351	5	43	in	in	ADP
issue-351	5	44	lublin	lublin	PROPN
issue-351	5	45	,	,	PUNCT
issue-351	5	46	poland	poland	PROPN
issue-351	5	47	nataliia	nataliia	VERB
issue-351	5	48	zarudna3	zarudna3	PROPN
issue-351	5	49	ternopil	ternopil	VERB
issue-351	5	50	national	national	PROPN
issue-351	5	51	economic	economic	PROPN
issue-351	5	52	university	university	PROPN
issue-351	5	53	,	,	PUNCT
issue-351	5	54	ukraine	ukraine	PROPN
issue-351	5	55	abstract	abstract	NOUN
issue-351	5	56	.	.	PUNCT
issue-351	6	1	distribution	distribution	NOUN
issue-351	6	2	of	of	ADP
issue-351	6	3	insurance	insurance	NOUN
issue-351	6	4	services	service	NOUN
issue-351	6	5	online	online	ADV
issue-351	6	6	is	be	AUX
issue-351	6	7	practically	practically	ADV
issue-351	6	8	possible	possible	ADJ
issue-351	6	9	only	only	ADV
issue-351	6	10	with	with	ADP
issue-351	6	11	respect	respect	NOUN
issue-351	6	12	to	to	ADP
issue-351	6	13	unified	unified	ADJ
issue-351	6	14	and	and	CCONJ
issue-351	6	15	simple	simple	ADJ
issue-351	6	16	products	product	NOUN
issue-351	6	17	.	.	PUNCT
issue-351	7	1	the	the	DET
issue-351	7	2	most	most	ADV
issue-351	7	3	massive	massive	ADJ
issue-351	7	4	of	of	ADP
issue-351	7	5	them	they	PRON
issue-351	7	6	is	be	AUX
issue-351	7	7	civil	civil	ADJ
issue-351	7	8	liability	liability	NOUN
issue-351	7	9	insurance	insurance	NOUN
issue-351	7	10	of	of	ADP
issue-351	7	11	vehicle	vehicle	NOUN
issue-351	7	12	owners	owner	NOUN
issue-351	7	13	,	,	PUNCT
issue-351	7	14	the	the	DET
issue-351	7	15	terms	term	NOUN
issue-351	7	16	of	of	ADP
issue-351	7	17	which	which	PRON
issue-351	7	18	are	be	AUX
issue-351	7	19	unified	unify	VERB
issue-351	7	20	by	by	ADP
issue-351	7	21	the	the	DET
issue-351	7	22	state	state	NOUN
issue-351	7	23	,	,	PUNCT
issue-351	7	24	which	which	PRON
issue-351	7	25	allows	allow	VERB
issue-351	7	26	treating	treat	VERB
issue-351	7	27	this	this	DET
issue-351	7	28	insurance	insurance	NOUN
issue-351	7	29	product	product	NOUN
issue-351	7	30	as	as	ADP
issue-351	7	31	optimal	optimal	ADJ
issue-351	7	32	for	for	ADP
issue-351	7	33	distribution	distribution	NOUN
issue-351	7	34	through	through	ADP
issue-351	7	35	the	the	DET
issue-351	7	36	internet	internet	NOUN
issue-351	7	37	.	.	PUNCT
issue-351	8	1	such	such	DET
issue-351	8	2	a	a	DET
issue-351	8	3	distribution	distribution	NOUN
issue-351	8	4	can	can	AUX
issue-351	8	5	significantly	significantly	ADV
issue-351	8	6	reduce	reduce	VERB
issue-351	8	7	the	the	DET
issue-351	8	8	cost	cost	NOUN
issue-351	8	9	of	of	ADP
issue-351	8	10	acquiring	acquire	VERB
issue-351	8	11	and	and	CCONJ
issue-351	8	12	servicing	service	VERB
issue-351	8	13	this	this	DET
issue-351	8	14	insurance	insurance	NOUN
issue-351	8	15	service	service	NOUN
issue-351	8	16	,	,	PUNCT
issue-351	8	17	which	which	PRON
issue-351	8	18	is	be	AUX
issue-351	8	19	an	an	DET
issue-351	8	20	additional	additional	ADJ
issue-351	8	21	element	element	NOUN
issue-351	8	22	of	of	ADP
issue-351	8	23	competition	competition	NOUN
issue-351	8	24	for	for	ADP
issue-351	8	25	insurance	insurance	NOUN
issue-351	8	26	companies	company	NOUN
issue-351	8	27	.	.	PUNCT
issue-351	9	1	in	in	ADP
issue-351	9	2	this	this	DET
issue-351	9	3	paper	paper	NOUN
issue-351	9	4	,	,	PUNCT
issue-351	9	5	the	the	DET
issue-351	9	6	dynamics	dynamic	NOUN
issue-351	9	7	of	of	ADP
issue-351	9	8	internet	internet	NOUN
issue-351	9	9	access	access	NOUN
issue-351	9	10	in	in	ADP
issue-351	9	11	ukraine	ukraine	PROPN
issue-351	9	12	and	and	CCONJ
issue-351	9	13	poland	poland	PROPN
issue-351	9	14	was	be	AUX
issue-351	9	15	investigated	investigate	VERB
issue-351	9	16	.	.	PUNCT
issue-351	10	1	the	the	DET
issue-351	10	2	relationship	relationship	NOUN
issue-351	10	3	between	between	ADP
issue-351	10	4	the	the	DET
issue-351	10	5	internationalization	internationalization	NOUN
issue-351	10	6	of	of	ADP
issue-351	10	7	poland	poland	PROPN
issue-351	10	8	and	and	CCONJ
issue-351	10	9	the	the	DET
issue-351	10	10	share	share	NOUN
issue-351	10	11	of	of	ADP
issue-351	10	12	insurance	insurance	NOUN
issue-351	10	13	premiums	premium	NOUN
issue-351	10	14	received	receive	VERB
issue-351	10	15	from	from	ADP
issue-351	10	16	online	online	ADJ
issue-351	10	17	sales	sale	NOUN
issue-351	10	18	in	in	ADP
issue-351	10	19	the	the	DET
issue-351	10	20	total	total	ADJ
issue-351	10	21	number	number	NOUN
issue-351	10	22	of	of	ADP
issue-351	10	23	insurance	insurance	NOUN
issue-351	10	24	premiums	premium	NOUN
issue-351	10	25	of	of	ADP
issue-351	10	26	non	non	ADJ
issue-351	10	27	-	-	ADJ
issue-351	10	28	life	life	ADJ
issue-351	10	29	companies	company	NOUN
issue-351	10	30	is	be	AUX
issue-351	10	31	determined	determine	VERB
issue-351	10	32	.	.	PUNCT
issue-351	11	1	the	the	DET
issue-351	11	2	purpose	purpose	NOUN
issue-351	11	3	of	of	ADP
issue-351	11	4	the	the	DET
issue-351	11	5	research	research	NOUN
issue-351	11	6	is	be	AUX
issue-351	11	7	:	:	PUNCT
issue-351	11	8	substantiation	substantiation	NOUN
issue-351	11	9	of	of	ADP
issue-351	11	10	the	the	DET
issue-351	11	11	distribution	distribution	NOUN
issue-351	11	12	potential	potential	NOUN
issue-351	11	13	of	of	ADP
issue-351	11	14	civil	civil	ADJ
issue-351	11	15	liability	liability	NOUN
issue-351	11	16	insurance	insurance	NOUN
issue-351	11	17	of	of	ADP
issue-351	11	18	vehicle	vehicle	NOUN
issue-351	11	19	owners	owner	NOUN
issue-351	11	20	through	through	ADP
issue-351	11	21	the	the	DET
issue-351	11	22	internet	internet	NOUN
issue-351	11	23	in	in	ADP
issue-351	11	24	ukraine	ukraine	PROPN
issue-351	11	25	.	.	PUNCT
issue-351	12	1	method	method	PROPN
issue-351	12	2	(	(	PUNCT
issue-351	12	3	methodology	methodology	NOUN
issue-351	12	4	)	)	PUNCT
issue-351	12	5	.	.	PUNCT
issue-351	13	1	in	in	ADP
issue-351	13	2	order	order	NOUN
issue-351	13	3	to	to	PART
issue-351	13	4	realize	realize	VERB
issue-351	13	5	this	this	DET
issue-351	13	6	purpose	purpose	NOUN
issue-351	13	7	,	,	PUNCT
issue-351	13	8	the	the	DET
issue-351	13	9	existing	exist	VERB
issue-351	13	10	state	state	NOUN
issue-351	13	11	of	of	ADP
issue-351	13	12	online	online	ADJ
issue-351	13	13	sales	sale	NOUN
issue-351	13	14	of	of	ADP
issue-351	13	15	risk	risk	NOUN
issue-351	13	16	insurance	insurance	NOUN
issue-351	13	17	services	service	NOUN
issue-351	13	18	in	in	ADP
issue-351	13	19	the	the	DET
issue-351	13	20	republic	republic	NOUN
issue-351	13	21	of	of	ADP
issue-351	13	22	poland	poland	PROPN
issue-351	13	23	is	be	AUX
issue-351	13	24	analysed	analyse	VERB
issue-351	13	25	.	.	PUNCT
issue-351	14	1	for	for	ADP
issue-351	14	2	analysis	analysis	NOUN
issue-351	14	3	,	,	PUNCT
issue-351	14	4	in	in	ADP
issue-351	14	5	particular	particular	ADJ
issue-351	14	6	,	,	PUNCT
issue-351	14	7	methods	method	NOUN
issue-351	14	8	of	of	ADP
issue-351	14	9	analysis	analysis	NOUN
issue-351	14	10	of	of	ADP
issue-351	14	11	dynamics	dynamic	NOUN
issue-351	14	12	and	and	CCONJ
issue-351	14	13	correlation	correlation	NOUN
issue-351	14	14	were	be	AUX
issue-351	14	15	applied	apply	VERB
issue-351	14	16	.	.	PUNCT
issue-351	15	1	empirical	empirical	ADJ
issue-351	15	2	studies	study	NOUN
issue-351	15	3	use	use	VERB
issue-351	15	4	statistics	statistic	NOUN
issue-351	15	5	from	from	ADP
issue-351	15	6	mtibu	mtibu	PROPN
issue-351	15	7	,	,	PUNCT
issue-351	15	8	knf	knf	PROPN
issue-351	15	9	,	,	PUNCT
issue-351	15	10	gus	gus	NOUN
issue-351	15	11	,	,	PUNCT
issue-351	15	12	internet	internet	NOUN
issue-351	15	13	live	live	ADJ
issue-351	15	14	stats	stat	NOUN
issue-351	15	15	,	,	PUNCT
issue-351	15	16	and	and	CCONJ
issue-351	15	17	kpmg	kpmg	PROPN
issue-351	15	18	reports	report	NOUN
issue-351	15	19	.	.	PUNCT
issue-351	16	1	results	result	NOUN
issue-351	16	2	.	.	PUNCT
issue-351	17	1	it	it	PRON
issue-351	17	2	is	be	AUX
issue-351	17	3	substantiated	substantiate	VERB
issue-351	17	4	that	that	SCONJ
issue-351	17	5	the	the	DET
issue-351	17	6	growth	growth	NOUN
issue-351	17	7	of	of	ADP
issue-351	17	8	sales	sale	NOUN
issue-351	17	9	of	of	ADP
issue-351	17	10	insurance	insurance	NOUN
issue-351	17	11	through	through	ADP
issue-351	17	12	the	the	DET
issue-351	17	13	internet	internet	NOUN
issue-351	17	14	correlates	correlate	VERB
issue-351	17	15	in	in	ADP
issue-351	17	16	geometric	geometric	ADJ
issue-351	17	17	progression	progression	NOUN
issue-351	17	18	with	with	ADP
issue-351	17	19	the	the	DET
issue-351	17	20	index	index	NOUN
issue-351	17	21	of	of	ADP
issue-351	17	22	internetization	internetization	NOUN
issue-351	17	23	.	.	PUNCT
issue-351	18	1	it	it	PRON
issue-351	18	2	is	be	AUX
issue-351	18	3	determined	determine	VERB
issue-351	18	4	that	that	SCONJ
issue-351	18	5	in	in	ADP
issue-351	18	6	addition	addition	NOUN
issue-351	18	7	to	to	ADP
issue-351	18	8	the	the	DET
issue-351	18	9	technical	technical	ADJ
issue-351	18	10	component	component	NOUN
issue-351	18	11	of	of	ADP
issue-351	18	12	distribution	distribution	NOUN
issue-351	18	13	through	through	ADP
issue-351	18	14	the	the	DET
issue-351	18	15	internet	internet	NOUN
issue-351	18	16	,	,	PUNCT
issue-351	18	17	a	a	DET
issue-351	18	18	regulatory	regulatory	ADJ
issue-351	18	19	and	and	CCONJ
issue-351	18	20	legal	legal	ADJ
issue-351	18	21	component	component	NOUN
issue-351	18	22	plays	play	VERB
issue-351	18	23	an	an	DET
issue-351	18	24	important	important	ADJ
issue-351	18	25	role	role	NOUN
issue-351	18	26	.	.	PUNCT
issue-351	19	1	the	the	DET
issue-351	19	2	practice	practice	NOUN
issue-351	19	3	of	of	ADP
issue-351	19	4	distributing	distribute	VERB
issue-351	19	5	online	online	ADJ
issue-351	19	6	services	service	NOUN
issue-351	19	7	of	of	ADP
issue-351	19	8	insurance	insurance	NOUN
issue-351	19	9	of	of	ADP
issue-351	19	10	civil	civil	ADJ
issue-351	19	11	liability	liability	NOUN
issue-351	19	12	of	of	ADP
issue-351	19	13	vehicle	vehicle	NOUN
issue-351	19	14	owners	owner	NOUN
issue-351	19	15	substantiated	substantiate	VERB
issue-351	19	16	the	the	DET
issue-351	19	17	need	need	NOUN
issue-351	19	18	for	for	ADP
issue-351	19	19	substantial	substantial	ADJ
issue-351	19	20	elaboration	elaboration	NOUN
issue-351	19	21	of	of	ADP
issue-351	19	22	the	the	DET
issue-351	19	23	ukrainian	ukrainian	ADJ
issue-351	19	24	legislation	legislation	NOUN
issue-351	19	25	in	in	ADP
issue-351	19	26	the	the	DET
issue-351	19	27	sphere	sphere	NOUN
issue-351	19	28	of	of	ADP
issue-351	19	29	protection	protection	NOUN
issue-351	19	30	of	of	ADP
issue-351	19	31	client	client	NOUN
issue-351	19	32	interests	interest	NOUN
issue-351	19	33	in	in	ADP
issue-351	19	34	such	such	ADJ
issue-351	19	35	transactions	transaction	NOUN
issue-351	19	36	.	.	PUNCT
issue-351	20	1	practical	practical	ADJ
issue-351	20	2	implications	implication	NOUN
issue-351	20	3	.	.	PUNCT
issue-351	21	1	taking	take	VERB
issue-351	21	2	into	into	ADP
issue-351	21	3	account	account	NOUN
issue-351	21	4	the	the	DET
issue-351	21	5	research	research	NOUN
issue-351	21	6	results	result	NOUN
issue-351	21	7	,	,	PUNCT
issue-351	21	8	it	it	PRON
issue-351	21	9	is	be	AUX
issue-351	21	10	proposed	propose	VERB
issue-351	21	11	to	to	PART
issue-351	21	12	significantly	significantly	ADV
issue-351	21	13	elaborate	elaborate	VERB
issue-351	21	14	the	the	DET
issue-351	21	15	mobile	mobile	ADJ
issue-351	21	16	applications	application	NOUN
issue-351	21	17	of	of	ADP
issue-351	21	18	insurance	insurance	NOUN
issue-351	21	19	companies	company	NOUN
issue-351	21	20	,	,	PUNCT
issue-351	21	21	both	both	CCONJ
issue-351	21	22	in	in	ADP
issue-351	21	23	ukraine	ukraine	NOUN
issue-351	21	24	and	and	CCONJ
issue-351	21	25	poland	poland	PROPN
issue-351	21	26	in	in	ADP
issue-351	21	27	order	order	NOUN
issue-351	21	28	to	to	PART
issue-351	21	29	ensure	ensure	VERB
issue-351	21	30	the	the	DET
issue-351	21	31	supply	supply	NOUN
issue-351	21	32	appropriate	appropriate	ADJ
issue-351	21	33	for	for	ADP
issue-351	21	34	the	the	DET
issue-351	21	35	countries	country	NOUN
issue-351	21	36	of	of	ADP
issue-351	21	37	western	western	PROPN
issue-351	21	38	europe	europe	PROPN
issue-351	21	39	.	.	PUNCT
issue-351	22	1	the	the	DET
issue-351	22	2	necessity	necessity	NOUN
issue-351	22	3	of	of	ADP
issue-351	22	4	substantive	substantive	ADJ
issue-351	22	5	reform	reform	NOUN
issue-351	22	6	of	of	ADP
issue-351	22	7	the	the	DET
issue-351	22	8	current	current	ADJ
issue-351	22	9	legislation	legislation	NOUN
issue-351	22	10	in	in	ADP
issue-351	22	11	order	order	NOUN
issue-351	22	12	to	to	PART
issue-351	22	13	bring	bring	VERB
issue-351	22	14	it	it	PRON
issue-351	22	15	closer	close	ADV
issue-351	22	16	to	to	ADP
issue-351	22	17	the	the	DET
issue-351	22	18	eu	eu	PROPN
issue-351	22	19	standards	standard	NOUN
issue-351	22	20	,	,	PUNCT
issue-351	22	21	namely	namely	ADV
issue-351	22	22	,	,	PUNCT
issue-351	22	23	in	in	ADP
issue-351	22	24	accordance	accordance	NOUN
issue-351	22	25	with	with	ADP
issue-351	22	26	the	the	DET
issue-351	22	27	insurance	insurance	NOUN
issue-351	22	28	distribution	distribution	NOUN
issue-351	22	29	directive	directive	NOUN
issue-351	22	30	,	,	PUNCT
issue-351	22	31	as	as	SCONJ
issue-351	22	32	was	be	AUX
issue-351	22	33	the	the	DET
issue-351	22	34	case	case	NOUN
issue-351	22	35	in	in	ADP
issue-351	22	36	poland	poland	PROPN
issue-351	22	37	,	,	PUNCT
issue-351	22	38	is	be	AUX
issue-351	22	39	determined	determine	VERB
issue-351	22	40	.	.	PUNCT
issue-351	23	1	value	value	NOUN
issue-351	23	2	/	/	SYM
issue-351	23	3	originality	originality	NOUN
issue-351	23	4	.	.	PUNCT
issue-351	24	1	for	for	ADP
issue-351	24	2	the	the	DET
issue-351	24	3	first	first	ADJ
issue-351	24	4	time	time	NOUN
issue-351	24	5	,	,	PUNCT
issue-351	24	6	there	there	PRON
issue-351	24	7	was	be	VERB
issue-351	24	8	a	a	DET
issue-351	24	9	study	study	NOUN
issue-351	24	10	of	of	ADP
issue-351	24	11	opportunities	opportunity	NOUN
issue-351	24	12	for	for	ADP
issue-351	24	13	online	online	ADJ
issue-351	24	14	distribution	distribution	NOUN
issue-351	24	15	of	of	ADP
issue-351	24	16	insurance	insurance	NOUN
issue-351	24	17	products	product	NOUN
issue-351	24	18	in	in	ADP
issue-351	24	19	ukraine	ukraine	NOUN
issue-351	24	20	,	,	PUNCT
issue-351	24	21	which	which	PRON
issue-351	24	22	became	become	VERB
issue-351	24	23	legally	legally	ADV
issue-351	24	24	possible	possible	ADJ
issue-351	24	25	from	from	ADP
issue-351	24	26	february	february	PROPN
issue-351	24	27	2018	2018	NUM
issue-351	24	28	.	.	PUNCT
issue-351	25	1	based	base	VERB
issue-351	25	2	on	on	ADP
issue-351	25	3	the	the	DET
issue-351	25	4	dynamics	dynamic	NOUN
issue-351	25	5	of	of	ADP
issue-351	25	6	the	the	DET
issue-351	25	7	dependence	dependence	NOUN
issue-351	25	8	between	between	ADP
issue-351	25	9	internetization	internetization	NOUN
issue-351	25	10	and	and	CCONJ
issue-351	25	11	online	online	ADJ
issue-351	25	12	sales	sale	NOUN
issue-351	25	13	of	of	ADP
issue-351	25	14	insurance	insurance	NOUN
issue-351	25	15	products	product	NOUN
issue-351	25	16	in	in	ADP
issue-351	25	17	poland	poland	PROPN
issue-351	25	18	,	,	PUNCT
issue-351	25	19	significant	significant	ADJ
issue-351	25	20	prospects	prospect	NOUN
issue-351	25	21	for	for	ADP
issue-351	25	22	this	this	DET
issue-351	25	23	distribution	distribution	NOUN
issue-351	25	24	channel	channel	NOUN
issue-351	25	25	are	be	AUX
issue-351	25	26	determined	determine	VERB
issue-351	25	27	.	.	PUNCT
issue-351	26	1	key	key	ADJ
issue-351	26	2	words	word	NOUN
issue-351	26	3	:	:	PUNCT
issue-351	26	4	insurance	insurance	NOUN
issue-351	26	5	,	,	PUNCT
issue-351	26	6	innovations	innovation	NOUN
issue-351	26	7	,	,	PUNCT
issue-351	26	8	high	high	ADJ
issue-351	26	9	technologies	technology	NOUN
issue-351	26	10	,	,	PUNCT
issue-351	26	11	insurance	insurance	NOUN
issue-351	26	12	services	service	NOUN
issue-351	26	13	,	,	PUNCT
issue-351	26	14	distribution	distribution	NOUN
issue-351	26	15	,	,	PUNCT
issue-351	26	16	internet	internet	NOUN
issue-351	26	17	.	.	PUNCT
issue-351	27	1	jel	jel	PROPN
issue-351	27	2	classification	classification	NOUN
issue-351	27	3	:	:	PUNCT
issue-351	27	4	g22	g22	PROPN
issue-351	27	5	,	,	PUNCT
issue-351	27	6	l81	l81	PROPN
issue-351	27	7	baltic	baltic	ADJ
issue-351	27	8	journal	journal	PROPN
issue-351	27	9	of	of	ADP
issue-351	27	10	economic	economic	ADJ
issue-351	27	11	studies	study	NOUN
issue-351	27	12	196	196	NUM
issue-351	27	13	vol	vol	NOUN
issue-351	27	14	.	.	PROPN
issue-351	28	1	4	4	NUM
issue-351	28	2	,	,	PUNCT
issue-351	28	3	no	no	INTJ
issue-351	28	4	.	.	NOUN
issue-351	28	5	1	1	NUM
issue-351	28	6	,	,	PUNCT
issue-351	28	7	2018	2018	NUM
issue-351	28	8	1	1	NUM
issue-351	28	9	.	.	PUNCT
issue-351	28	10	introduction	introduction	NOUN
issue-351	28	11	the	the	DET
issue-351	28	12	development	development	NOUN
issue-351	28	13	of	of	ADP
issue-351	28	14	modern	modern	ADJ
issue-351	28	15	technology	technology	NOUN
issue-351	28	16	in	in	ADP
issue-351	28	17	the	the	DET
issue-351	28	18	world	world	NOUN
issue-351	28	19	is	be	AUX
issue-351	28	20	the	the	DET
issue-351	28	21	driving	drive	VERB
issue-351	28	22	force	force	NOUN
issue-351	28	23	behind	behind	ADP
issue-351	28	24	changes	change	NOUN
issue-351	28	25	in	in	ADP
issue-351	28	26	the	the	DET
issue-351	28	27	methods	method	NOUN
issue-351	28	28	and	and	CCONJ
issue-351	28	29	techniques	technique	NOUN
issue-351	28	30	for	for	ADP
issue-351	28	31	selling	sell	VERB
issue-351	28	32	products	product	NOUN
issue-351	28	33	and	and	CCONJ
issue-351	28	34	services	service	NOUN
issue-351	28	35	.	.	PUNCT
issue-351	29	1	these	these	DET
issue-351	29	2	changes	change	NOUN
issue-351	29	3	also	also	ADV
issue-351	29	4	include	include	VERB
issue-351	29	5	the	the	DET
issue-351	29	6	possibility	possibility	NOUN
issue-351	29	7	of	of	ADP
issue-351	29	8	distributing	distribute	VERB
issue-351	29	9	insurance	insurance	NOUN
issue-351	29	10	services	service	NOUN
issue-351	29	11	in	in	ADP
issue-351	29	12	eastern	eastern	PROPN
issue-351	29	13	europe	europe	PROPN
issue-351	29	14	and	and	CCONJ
issue-351	29	15	in	in	ADP
issue-351	29	16	ukraine	ukraine	NOUN
issue-351	29	17	,	,	PUNCT
issue-351	29	18	in	in	ADP
issue-351	29	19	particular	particular	ADJ
issue-351	29	20	.	.	PUNCT
issue-351	30	1	the	the	DET
issue-351	30	2	main	main	ADJ
issue-351	30	3	accelerator	accelerator	NOUN
issue-351	30	4	of	of	ADP
issue-351	30	5	these	these	DET
issue-351	30	6	changes	change	NOUN
issue-351	30	7	is	be	AUX
issue-351	30	8	the	the	DET
issue-351	30	9	distribution	distribution	NOUN
issue-351	30	10	of	of	ADP
issue-351	30	11	access	access	NOUN
issue-351	30	12	to	to	ADP
issue-351	30	13	the	the	DET
issue-351	30	14	internet	internet	NOUN
issue-351	30	15	.	.	PUNCT
issue-351	31	1	new	new	ADJ
issue-351	31	2	,	,	PUNCT
issue-351	31	3	alternative	alternative	ADJ
issue-351	31	4	methods	method	NOUN
issue-351	31	5	of	of	ADP
issue-351	31	6	selling	sell	VERB
issue-351	31	7	standard	standard	ADJ
issue-351	31	8	insurance	insurance	NOUN
issue-351	31	9	products	product	NOUN
issue-351	31	10	are	be	AUX
issue-351	31	11	being	be	AUX
issue-351	31	12	formed	form	VERB
issue-351	31	13	through	through	ADP
issue-351	31	14	e	e	NOUN
issue-351	31	15	-	-	NOUN
issue-351	31	16	commerce	commerce	NOUN
issue-351	31	17	.	.	PUNCT
issue-351	32	1	these	these	DET
issue-351	32	2	methods	method	NOUN
issue-351	32	3	relate	relate	VERB
issue-351	32	4	to	to	ADP
issue-351	32	5	non	non	ADJ
issue-351	32	6	-	-	ADJ
issue-351	32	7	traditional	traditional	ADJ
issue-351	32	8	forms	form	NOUN
issue-351	32	9	of	of	ADP
issue-351	32	10	distribution	distribution	NOUN
issue-351	32	11	of	of	ADP
issue-351	32	12	insurance	insurance	NOUN
issue-351	32	13	services	service	NOUN
issue-351	32	14	(	(	PUNCT
issue-351	32	15	klapkiv	klapkiv	NOUN
issue-351	32	16	,	,	PUNCT
issue-351	32	17	2016	2016	NUM
issue-351	32	18	)	)	PUNCT
issue-351	32	19	.	.	PUNCT
issue-351	33	1	they	they	PRON
issue-351	33	2	allow	allow	VERB
issue-351	33	3	removing	remove	VERB
issue-351	33	4	some	some	DET
issue-351	33	5	restrictions	restriction	NOUN
issue-351	33	6	on	on	ADP
issue-351	33	7	traditional	traditional	ADJ
issue-351	33	8	channels	channel	NOUN
issue-351	33	9	.	.	PUNCT
issue-351	34	1	as	as	SCONJ
issue-351	34	2	the	the	DET
issue-351	34	3	experience	experience	NOUN
issue-351	34	4	of	of	ADP
issue-351	34	5	ukraine	ukraine	PROPN
issue-351	34	6	proves	prove	VERB
issue-351	34	7	,	,	PUNCT
issue-351	34	8	legal	legal	ADJ
issue-351	34	9	rules	rule	NOUN
issue-351	34	10	are	be	AUX
issue-351	34	11	at	at	ADP
issue-351	34	12	the	the	DET
issue-351	34	13	core	core	NOUN
issue-351	34	14	of	of	ADP
issue-351	34	15	the	the	DET
issue-351	34	16	law	law	NOUN
issue-351	34	17	,	,	PUNCT
issue-351	34	18	which	which	PRON
issue-351	34	19	in	in	ADP
issue-351	34	20	fact	fact	NOUN
issue-351	34	21	provide	provide	VERB
issue-351	34	22	the	the	DET
issue-351	34	23	possibility	possibility	NOUN
issue-351	34	24	of	of	ADP
issue-351	34	25	selling	sell	VERB
issue-351	34	26	online	online	ADJ
issue-351	34	27	insurance	insurance	NOUN
issue-351	34	28	services	service	NOUN
issue-351	34	29	,	,	PUNCT
issue-351	34	30	in	in	ADP
issue-351	34	31	particular	particular	ADJ
issue-351	34	32	,	,	PUNCT
issue-351	34	33	the	the	DET
issue-351	34	34	most	most	ADV
issue-351	34	35	massive	massive	ADJ
issue-351	34	36	and	and	CCONJ
issue-351	34	37	mandatory	mandatory	ADJ
issue-351	34	38	form	form	NOUN
issue-351	34	39	 	 	SPACE
issue-351	34	40	–	–	PUNCT
issue-351	34	41	insurance	insurance	NOUN
issue-351	34	42	of	of	ADP
issue-351	34	43	civil	civil	ADJ
issue-351	34	44	liability	liability	NOUN
issue-351	34	45	of	of	ADP
issue-351	34	46	vehicle	vehicle	NOUN
issue-351	34	47	owners	owner	NOUN
issue-351	34	48	.	.	PUNCT
issue-351	35	1	in	in	ADP
issue-351	35	2	developed	develop	VERB
issue-351	35	3	european	european	ADJ
issue-351	35	4	countries	country	NOUN
issue-351	35	5	,	,	PUNCT
issue-351	35	6	the	the	DET
issue-351	35	7	distribution	distribution	NOUN
issue-351	35	8	of	of	ADP
issue-351	35	9	insurance	insurance	NOUN
issue-351	35	10	services	service	NOUN
issue-351	35	11	through	through	ADP
issue-351	35	12	the	the	DET
issue-351	35	13	internet	internet	NOUN
issue-351	35	14	coincides	coincide	VERB
issue-351	35	15	with	with	ADP
issue-351	35	16	the	the	DET
issue-351	35	17	possibility	possibility	NOUN
issue-351	35	18	of	of	ADP
issue-351	35	19	access	access	NOUN
issue-351	35	20	to	to	ADP
issue-351	35	21	the	the	DET
issue-351	35	22	internet	internet	NOUN
issue-351	35	23	in	in	ADP
issue-351	35	24	the	the	DET
issue-351	35	25	mass	mass	NOUN
issue-351	35	26	consumer	consumer	NOUN
issue-351	35	27	and	and	CCONJ
issue-351	35	28	read	read	VERB
issue-351	35	29	from	from	ADP
issue-351	35	30	the	the	DET
issue-351	35	31	second	second	ADJ
issue-351	35	32	millennium	millennium	NOUN
issue-351	35	33	of	of	ADP
issue-351	35	34	our	our	PRON
issue-351	35	35	era	era	NOUN
issue-351	35	36	.	.	PUNCT
issue-351	36	1	with	with	ADP
issue-351	36	2	regard	regard	NOUN
issue-351	36	3	to	to	ADP
issue-351	36	4	insurance	insurance	NOUN
issue-351	36	5	of	of	ADP
issue-351	36	6	civil	civil	ADJ
issue-351	36	7	liability	liability	NOUN
issue-351	36	8	of	of	ADP
issue-351	36	9	vehicle	vehicle	NOUN
issue-351	36	10	owners	owner	NOUN
issue-351	36	11	,	,	PUNCT
issue-351	36	12	the	the	DET
issue-351	36	13	internet	internet	NOUN
issue-351	36	14	is	be	AUX
issue-351	36	15	becoming	become	VERB
issue-351	36	16	one	one	NUM
issue-351	36	17	of	of	ADP
issue-351	36	18	the	the	DET
issue-351	36	19	most	most	ADV
issue-351	36	20	important	important	ADJ
issue-351	36	21	channels	channel	NOUN
issue-351	36	22	for	for	ADP
issue-351	36	23	the	the	DET
issue-351	36	24	distribution	distribution	NOUN
issue-351	36	25	of	of	ADP
issue-351	36	26	insurance	insurance	NOUN
issue-351	36	27	services	service	NOUN
issue-351	36	28	,	,	PUNCT
issue-351	36	29	mainly	mainly	ADV
issue-351	36	30	due	due	ADP
issue-351	36	31	to	to	ADP
issue-351	36	32	the	the	DET
issue-351	36	33	low	low	ADJ
issue-351	36	34	cost	cost	NOUN
issue-351	36	35	of	of	ADP
issue-351	36	36	distribution	distribution	NOUN
issue-351	36	37	and	and	CCONJ
issue-351	36	38	ever	ever	ADV
issue-351	36	39	easier	easy	ADJ
issue-351	36	40	access	access	NOUN
issue-351	36	41	of	of	ADP
issue-351	36	42	the	the	DET
issue-351	36	43	population	population	NOUN
issue-351	36	44	to	to	ADP
issue-351	36	45	the	the	DET
issue-351	36	46	internet	internet	NOUN
issue-351	36	47	,	,	PUNCT
issue-351	36	48	including	include	VERB
issue-351	36	49	through	through	ADP
issue-351	36	50	smartphones	smartphone	NOUN
issue-351	36	51	.	.	PUNCT
issue-351	37	1	the	the	DET
issue-351	37	2	purpose	purpose	NOUN
issue-351	37	3	of	of	ADP
issue-351	37	4	the	the	DET
issue-351	37	5	article	article	NOUN
issue-351	37	6	is	be	AUX
issue-351	37	7	to	to	PART
issue-351	37	8	substantiate	substantiate	VERB
issue-351	37	9	the	the	DET
issue-351	37	10	significant	significant	ADJ
issue-351	37	11	potential	potential	NOUN
issue-351	37	12	of	of	ADP
issue-351	37	13	distributing	distribute	VERB
issue-351	37	14	insurance	insurance	NOUN
issue-351	37	15	of	of	ADP
issue-351	37	16	civil	civil	ADJ
issue-351	37	17	liability	liability	NOUN
issue-351	37	18	of	of	ADP
issue-351	37	19	vehicle	vehicle	NOUN
issue-351	37	20	owners	owner	NOUN
issue-351	37	21	through	through	ADP
issue-351	37	22	the	the	DET
issue-351	37	23	internet	internet	NOUN
issue-351	37	24	in	in	ADP
issue-351	37	25	ukraine	ukraine	NOUN
issue-351	37	26	,	,	PUNCT
issue-351	37	27	using	use	VERB
issue-351	37	28	an	an	DET
issue-351	37	29	analysis	analysis	NOUN
issue-351	37	30	of	of	ADP
issue-351	37	31	the	the	DET
issue-351	37	32	current	current	ADJ
issue-351	37	33	situation	situation	NOUN
issue-351	37	34	in	in	ADP
issue-351	37	35	the	the	DET
issue-351	37	36	countries	country	NOUN
issue-351	37	37	of	of	ADP
issue-351	37	38	central	central	ADJ
issue-351	37	39	and	and	CCONJ
issue-351	37	40	eastern	eastern	ADJ
issue-351	37	41	europe	europe	PROPN
issue-351	37	42	and	and	CCONJ
issue-351	37	43	,	,	PUNCT
issue-351	37	44	in	in	ADP
issue-351	37	45	particular	particular	ADJ
issue-351	37	46	,	,	PUNCT
issue-351	37	47	the	the	DET
issue-351	37	48	republic	republic	NOUN
issue-351	37	49	of	of	ADP
issue-351	37	50	poland	poland	PROPN
issue-351	37	51	.	.	PUNCT
issue-351	38	1	methodology	methodology	NOUN
issue-351	38	2	.	.	PUNCT
issue-351	39	1	the	the	DET
issue-351	39	2	dependencies	dependency	NOUN
issue-351	39	3	between	between	ADP
issue-351	39	4	internetization	internetization	NOUN
issue-351	39	5	in	in	ADP
issue-351	39	6	poland	poland	PROPN
issue-351	39	7	and	and	CCONJ
issue-351	39	8	the	the	DET
issue-351	39	9	size	size	NOUN
issue-351	39	10	of	of	ADP
issue-351	39	11	insurance	insurance	NOUN
issue-351	39	12	premiums	premium	NOUN
issue-351	39	13	received	receive	VERB
issue-351	39	14	from	from	ADP
issue-351	39	15	sales	sale	NOUN
issue-351	39	16	through	through	ADP
issue-351	39	17	the	the	DET
issue-351	39	18	internet	internet	NOUN
issue-351	39	19	are	be	AUX
issue-351	39	20	determined	determine	VERB
issue-351	39	21	.	.	PUNCT
issue-351	40	1	comparisons	comparison	NOUN
issue-351	40	2	of	of	ADP
issue-351	40	3	ukraine	ukraine	PROPN
issue-351	40	4	’s	’s	PART
issue-351	40	5	internetization	internetization	NOUN
issue-351	40	6	and	and	CCONJ
issue-351	40	7	dependency	dependency	NOUN
issue-351	40	8	in	in	ADP
issue-351	40	9	neighbouring	neighbouring	ADJ
issue-351	40	10	poland	poland	PROPN
issue-351	40	11	outline	outline	VERB
issue-351	40	12	possible	possible	ADJ
issue-351	40	13	sales	sale	NOUN
issue-351	40	14	of	of	ADP
issue-351	40	15	online	online	ADJ
issue-351	40	16	insurance	insurance	NOUN
issue-351	40	17	services	service	NOUN
issue-351	40	18	.	.	PUNCT
issue-351	41	1	the	the	DET
issue-351	41	2	main	main	ADJ
issue-351	41	3	hypothesis	hypothesis	NOUN
issue-351	41	4	of	of	ADP
issue-351	41	5	the	the	DET
issue-351	41	6	study	study	NOUN
issue-351	41	7	is	be	AUX
issue-351	41	8	the	the	DET
issue-351	41	9	thesis	thesis	NOUN
issue-351	41	10	that	that	SCONJ
issue-351	41	11	the	the	DET
issue-351	41	12	growth	growth	NOUN
issue-351	41	13	of	of	ADP
issue-351	41	14	sales	sale	NOUN
issue-351	41	15	of	of	ADP
issue-351	41	16	insurance	insurance	NOUN
issue-351	41	17	services	service	NOUN
issue-351	41	18	through	through	ADP
issue-351	41	19	the	the	DET
issue-351	41	20	internet	internet	NOUN
issue-351	41	21	correlates	correlate	VERB
issue-351	41	22	in	in	ADP
issue-351	41	23	a	a	DET
issue-351	41	24	geometric	geometric	ADJ
issue-351	41	25	progression	progression	NOUN
issue-351	41	26	with	with	ADP
issue-351	41	27	the	the	DET
issue-351	41	28	index	index	NOUN
issue-351	41	29	of	of	ADP
issue-351	41	30	internetization	internetization	NOUN
issue-351	41	31	provided	provide	VERB
issue-351	41	32	the	the	DET
issue-351	41	33	appropriate	appropriate	ADJ
issue-351	41	34	legislative	legislative	ADJ
issue-351	41	35	regulation	regulation	NOUN
issue-351	41	36	.	.	PUNCT
issue-351	42	1	in	in	ADP
issue-351	42	2	empirical	empirical	ADJ
issue-351	42	3	studies	study	NOUN
issue-351	42	4	,	,	PUNCT
issue-351	42	5	statistics	statistic	NOUN
issue-351	42	6	of	of	ADP
issue-351	42	7	mtibu	mtibu	NOUN
issue-351	42	8	,	,	PUNCT
issue-351	42	9	knf	knf	PROPN
issue-351	42	10	,	,	PUNCT
issue-351	42	11	gus	gus	NOUN
issue-351	42	12	,	,	PUNCT
issue-351	42	13	and	and	CCONJ
issue-351	42	14	kpmg	kpmg	PROPN
issue-351	42	15	reports	report	NOUN
issue-351	42	16	are	be	AUX
issue-351	42	17	used	use	VERB
issue-351	42	18	.	.	PUNCT
issue-351	43	1	for	for	ADP
issue-351	43	2	analysis	analysis	NOUN
issue-351	43	3	,	,	PUNCT
issue-351	43	4	in	in	ADP
issue-351	43	5	particular	particular	ADJ
issue-351	43	6	,	,	PUNCT
issue-351	43	7	methods	method	NOUN
issue-351	43	8	of	of	ADP
issue-351	43	9	analysis	analysis	NOUN
issue-351	43	10	of	of	ADP
issue-351	43	11	dynamics	dynamic	NOUN
issue-351	43	12	and	and	CCONJ
issue-351	43	13	correlation	correlation	NOUN
issue-351	43	14	were	be	AUX
issue-351	43	15	applied	apply	VERB
issue-351	43	16	.	.	PUNCT
issue-351	44	1	2	2	X
issue-351	44	2	.	.	X
issue-351	44	3	opportunities	opportunity	NOUN
issue-351	44	4	for	for	ADP
issue-351	44	5	distributing	distribute	VERB
issue-351	44	6	insurance	insurance	NOUN
issue-351	44	7	services	service	NOUN
issue-351	44	8	online	online	ADJ
issue-351	44	9	distribution	distribution	NOUN
issue-351	44	10	is	be	AUX
issue-351	44	11	the	the	DET
issue-351	44	12	process	process	NOUN
issue-351	44	13	of	of	ADP
issue-351	44	14	moving	move	VERB
issue-351	44	15	products	product	NOUN
issue-351	44	16	and	and	CCONJ
issue-351	44	17	services	service	NOUN
issue-351	44	18	from	from	ADP
issue-351	44	19	manufacturer	manufacturer	NOUN
issue-351	44	20	to	to	PART
issue-351	44	21	end	end	VERB
issue-351	44	22	user	user	NOUN
issue-351	44	23	.	.	PUNCT
issue-351	45	1	given	give	VERB
issue-351	45	2	the	the	DET
issue-351	45	3	specificity	specificity	NOUN
issue-351	45	4	of	of	ADP
issue-351	45	5	the	the	DET
issue-351	45	6	insurance	insurance	NOUN
issue-351	45	7	product	product	NOUN
issue-351	45	8	and	and	CCONJ
issue-351	45	9	features	feature	NOUN
issue-351	45	10	and	and	CCONJ
issue-351	45	11	capabilities	capability	NOUN
issue-351	45	12	of	of	ADP
issue-351	45	13	high	high	ADJ
issue-351	45	14	technology	technology	NOUN
issue-351	45	15	,	,	PUNCT
issue-351	45	16	the	the	DET
issue-351	45	17	process	process	NOUN
issue-351	45	18	of	of	ADP
issue-351	45	19	distributing	distribute	VERB
issue-351	45	20	online	online	ADJ
issue-351	45	21	insurance	insurance	NOUN
issue-351	45	22	services	service	NOUN
issue-351	45	23	can	can	AUX
issue-351	45	24	be	be	AUX
issue-351	45	25	interpreted	interpret	VERB
issue-351	45	26	as	as	ADP
issue-351	45	27	the	the	DET
issue-351	45	28	representation	representation	NOUN
issue-351	45	29	and	and	CCONJ
issue-351	45	30	distribution	distribution	NOUN
issue-351	45	31	of	of	ADP
issue-351	45	32	insurance	insurance	NOUN
issue-351	45	33	services	service	NOUN
issue-351	45	34	,	,	PUNCT
issue-351	45	35	as	as	ADV
issue-351	45	36	well	well	ADV
issue-351	45	37	as	as	ADP
issue-351	45	38	to	to	ADP
issue-351	45	39	a	a	DET
issue-351	45	40	certain	certain	ADJ
issue-351	45	41	extent	extent	NOUN
issue-351	45	42	,	,	PUNCT
issue-351	45	43	their	their	PRON
issue-351	45	44	support	support	NOUN
issue-351	45	45	in	in	ADP
issue-351	45	46	the	the	DET
issue-351	45	47	process	process	NOUN
issue-351	45	48	of	of	ADP
issue-351	45	49	insurance	insurance	NOUN
issue-351	45	50	coverage	coverage	NOUN
issue-351	45	51	and	and	CCONJ
issue-351	45	52	the	the	DET
issue-351	45	53	implementation	implementation	NOUN
issue-351	45	54	of	of	ADP
issue-351	45	55	insurance	insurance	NOUN
issue-351	45	56	payments	payment	NOUN
issue-351	45	57	.	.	PUNCT
issue-351	46	1	distribution	distribution	NOUN
issue-351	46	2	of	of	ADP
issue-351	46	3	insurance	insurance	NOUN
issue-351	46	4	is	be	AUX
issue-351	46	5	a	a	DET
issue-351	46	6	manifestation	manifestation	NOUN
issue-351	46	7	of	of	ADP
issue-351	46	8	ties	tie	NOUN
issue-351	46	9	and	and	CCONJ
issue-351	46	10	market	market	NOUN
issue-351	46	11	relations	relation	NOUN
issue-351	46	12	between	between	ADP
issue-351	46	13	buyers	buyer	NOUN
issue-351	46	14	and	and	CCONJ
issue-351	46	15	suppliers	supplier	NOUN
issue-351	46	16	of	of	ADP
issue-351	46	17	insurance	insurance	NOUN
issue-351	46	18	products	product	NOUN
issue-351	46	19	(	(	PUNCT
issue-351	46	20	klapkiv	klapkiv	NOUN
issue-351	46	21	,	,	PUNCT
issue-351	46	22	2007	2007	NUM
issue-351	46	23	)	)	PUNCT
issue-351	46	24	.	.	PUNCT
issue-351	47	1	in	in	ADP
issue-351	47	2	the	the	DET
issue-351	47	3	case	case	NOUN
issue-351	47	4	of	of	ADP
issue-351	47	5	insurance	insurance	NOUN
issue-351	47	6	services	service	NOUN
issue-351	47	7	with	with	ADP
issue-351	47	8	an	an	DET
issue-351	47	9	inverse	inverse	NOUN
issue-351	47	10	production	production	NOUN
issue-351	47	11	cycle	cycle	NOUN
issue-351	47	12	,	,	PUNCT
issue-351	47	13	the	the	DET
issue-351	47	14	correct	correct	ADJ
issue-351	47	15	choice	choice	NOUN
issue-351	47	16	of	of	ADP
issue-351	47	17	acquisition	acquisition	NOUN
issue-351	47	18	method	method	NOUN
issue-351	47	19	is	be	AUX
issue-351	47	20	extremely	extremely	ADV
issue-351	47	21	important	important	ADJ
issue-351	47	22	for	for	ADP
issue-351	47	23	ensuring	ensure	VERB
issue-351	47	24	the	the	DET
issue-351	47	25	effectiveness	effectiveness	NOUN
issue-351	47	26	of	of	ADP
issue-351	47	27	an	an	DET
issue-351	47	28	insurance	insurance	NOUN
issue-351	47	29	company	company	NOUN
issue-351	47	30	’s	’s	PART
issue-351	47	31	activities	activity	NOUN
issue-351	47	32	(	(	PUNCT
issue-351	47	33	payne	payne	PROPN
issue-351	47	34	,	,	PUNCT
issue-351	47	35	1997	1997	NUM
issue-351	47	36	)	)	PUNCT
issue-351	47	37	.	.	PUNCT
issue-351	48	1	distribution	distribution	NOUN
issue-351	48	2	of	of	ADP
issue-351	48	3	insurance	insurance	NOUN
issue-351	48	4	services	service	NOUN
issue-351	48	5	takes	take	VERB
issue-351	48	6	on	on	ADP
issue-351	48	7	different	different	ADJ
issue-351	48	8	forms	form	NOUN
issue-351	48	9	,	,	PUNCT
issue-351	48	10	among	among	ADP
issue-351	48	11	which	which	PRON
issue-351	48	12	the	the	DET
issue-351	48	13	main	main	ADJ
issue-351	48	14	ones	one	NOUN
issue-351	48	15	are	be	AUX
issue-351	48	16	distinguished	distinguish	VERB
issue-351	48	17	 	 	SPACE
issue-351	48	18	–	–	PUNCT
issue-351	48	19	direct	direct	ADJ
issue-351	48	20	and	and	CCONJ
issue-351	48	21	indirect	indirect	ADJ
issue-351	48	22	channels	channel	NOUN
issue-351	48	23	(	(	PUNCT
issue-351	48	24	fig	fig	NOUN
issue-351	48	25	.	.	PUNCT
issue-351	48	26	1	1	NUM
issue-351	48	27	)	)	PUNCT
issue-351	48	28	.	.	PUNCT
issue-351	49	1	direct	direct	ADJ
issue-351	49	2	channels	channel	NOUN
issue-351	49	3	are	be	AUX
issue-351	49	4	characterized	characterize	VERB
issue-351	49	5	by	by	ADP
issue-351	49	6	the	the	DET
issue-351	49	7	fact	fact	NOUN
issue-351	49	8	that	that	SCONJ
issue-351	49	9	in	in	ADP
issue-351	49	10	relations	relation	NOUN
issue-351	49	11	between	between	ADP
issue-351	49	12	di	di	PROPN
issue-351	49	13	st	st	PROPN
issue-351	49	14	rib	rib	PROPN
issue-351	49	15	ut	ut	PROPN
issue-351	49	16	io	io	PROPN
issue-351	49	17	n	n	PROPN
issue-351	49	18	ch	ch	VERB
issue-351	49	19	an	an	PROPN
issue-351	49	20	ne	ne	X
issue-351	49	21	ls	ls	PROPN
issue-351	49	22	mediated	mediate	VERB
issue-351	49	23	(	(	PUNCT
issue-351	49	24	indirect	indirect	ADJ
issue-351	49	25	)	)	PUNCT
issue-351	49	26	multi	multi	ADJ
issue-351	49	27	-	-	ADJ
issue-351	49	28	agents	agents	ADJ
issue-351	49	29	brokers	broker	NOUN
issue-351	49	30	banks	bank	NOUN
issue-351	49	31	others	other	NOUN
issue-351	49	32	immediate	immediate	ADJ
issue-351	49	33	(	(	PUNCT
issue-351	49	34	direct	direct	ADJ
issue-351	49	35	)	)	PUNCT
issue-351	49	36	branches	branch	NOUN
issue-351	49	37	and	and	CCONJ
issue-351	49	38	agents	agent	NOUN
issue-351	49	39	directly	directly	ADV
issue-351	49	40	phone	phone	VERB
issue-351	49	41	through	through	ADP
issue-351	49	42	mobile	mobile	ADJ
issue-351	49	43	applications	application	NOUN
issue-351	49	44	internet	internet	NOUN
issue-351	49	45	through	through	ADP
issue-351	49	46	the	the	DET
issue-351	49	47	website	website	NOUN
issue-351	49	48	fig	fig	NOUN
issue-351	49	49	.	.	PUNCT
issue-351	50	1	1	1	X
issue-351	50	2	.	.	X
issue-351	50	3	division	division	NOUN
issue-351	50	4	of	of	ADP
issue-351	50	5	distribution	distribution	NOUN
issue-351	50	6	channels	channel	NOUN
issue-351	50	7	of	of	ADP
issue-351	50	8	insurance	insurance	NOUN
issue-351	50	9	products	product	NOUN
issue-351	50	10	source	source	NOUN
issue-351	50	11	:	:	PUNCT
issue-351	50	12	own	own	ADJ
issue-351	50	13	study	study	NOUN
issue-351	50	14	on	on	ADP
issue-351	50	15	the	the	DET
issue-351	50	16	basis	basis	NOUN
issue-351	50	17	of	of	ADP
issue-351	50	18	(	(	PUNCT
issue-351	50	19	witkowska	witkowska	ADJ
issue-351	50	20	,	,	PUNCT
issue-351	50	21	2008	2008	NUM
issue-351	50	22	)	)	PUNCT
issue-351	50	23	baltic	baltic	ADJ
issue-351	50	24	journal	journal	NOUN
issue-351	50	25	of	of	ADP
issue-351	50	26	economic	economic	ADJ
issue-351	50	27	studies	study	NOUN
issue-351	50	28	197	197	NUM
issue-351	50	29	vol	vol	NOUN
issue-351	50	30	.	.	PUNCT
issue-351	51	1	4	4	NUM
issue-351	51	2	,	,	PUNCT
issue-351	51	3	no	no	INTJ
issue-351	51	4	.	.	NOUN
issue-351	51	5	1	1	NUM
issue-351	51	6	,	,	PUNCT
issue-351	51	7	2018	2018	NUM
issue-351	51	8	consumers	consumer	NOUN
issue-351	51	9	(	(	PUNCT
issue-351	51	10	buyers	buyer	NOUN
issue-351	51	11	)	)	PUNCT
issue-351	51	12	and	and	CCONJ
issue-351	51	13	insurers	insurer	NOUN
issue-351	51	14	(	(	PUNCT
issue-351	51	15	suppliers	supplier	NOUN
issue-351	51	16	)	)	PUNCT
issue-351	51	17	,	,	PUNCT
issue-351	51	18	there	there	PRON
issue-351	51	19	are	be	VERB
issue-351	51	20	no	no	DET
issue-351	51	21	third	third	ADJ
issue-351	51	22	parties	party	NOUN
issue-351	51	23	(	(	PUNCT
issue-351	51	24	intermediaries	intermediary	NOUN
issue-351	51	25	)	)	PUNCT
issue-351	51	26	(	(	PUNCT
issue-351	51	27	monkiewicz	monkiewicz	PROPN
issue-351	51	28	,	,	PUNCT
issue-351	51	29	pazio	pazio	NOUN
issue-351	51	30	,	,	PUNCT
issue-351	51	31	2003	2003	NUM
issue-351	51	32	)	)	PUNCT
issue-351	51	33	.	.	PUNCT
issue-351	52	1	traditional	traditional	ADJ
issue-351	52	2	forms	form	NOUN
issue-351	52	3	of	of	ADP
issue-351	52	4	direct	direct	ADJ
issue-351	52	5	(	(	PUNCT
issue-351	52	6	immediate	immediate	ADJ
issue-351	52	7	)	)	PUNCT
issue-351	52	8	distribution	distribution	NOUN
issue-351	52	9	include	include	VERB
issue-351	52	10	sales	sale	NOUN
issue-351	52	11	performed	perform	VERB
issue-351	52	12	by	by	ADP
issue-351	52	13	employees	employee	NOUN
issue-351	52	14	of	of	ADP
issue-351	52	15	insurance	insurance	NOUN
issue-351	52	16	companies	company	NOUN
issue-351	52	17	,	,	PUNCT
issue-351	52	18	including	include	VERB
issue-351	52	19	agents	agent	NOUN
issue-351	52	20	working	work	VERB
issue-351	52	21	on	on	ADP
issue-351	52	22	the	the	DET
issue-351	52	23	affiliate	affiliate	NOUN
issue-351	52	24	network	network	NOUN
issue-351	52	25	of	of	ADP
issue-351	52	26	the	the	DET
issue-351	52	27	insurer	insurer	NOUN
issue-351	52	28	.	.	PUNCT
issue-351	53	1	unconventional	unconventional	ADJ
issue-351	53	2	forms	form	NOUN
issue-351	53	3	of	of	ADP
issue-351	53	4	direct	direct	ADJ
issue-351	53	5	distribution	distribution	NOUN
issue-351	53	6	use	use	VERB
issue-351	53	7	new	new	ADJ
issue-351	53	8	technologies	technology	NOUN
issue-351	53	9	for	for	ADP
issue-351	53	10	the	the	DET
issue-351	53	11	sale	sale	NOUN
issue-351	53	12	of	of	ADP
issue-351	53	13	insurance	insurance	NOUN
issue-351	53	14	services	service	NOUN
issue-351	53	15	,	,	PUNCT
issue-351	53	16	that	that	ADV
issue-351	53	17	is	is	ADV
issue-351	53	18	,	,	PUNCT
issue-351	53	19	sales	sale	NOUN
issue-351	53	20	through	through	ADP
issue-351	53	21	the	the	DET
issue-351	53	22	internet	internet	NOUN
issue-351	53	23	,	,	PUNCT
issue-351	53	24	phone	phone	NOUN
issue-351	53	25	or	or	CCONJ
issue-351	53	26	smartphone	smartphone	NOUN
issue-351	53	27	.	.	PUNCT
issue-351	54	1	these	these	DET
issue-351	54	2	channels	channel	NOUN
issue-351	54	3	are	be	AUX
issue-351	54	4	usually	usually	ADV
issue-351	54	5	referred	refer	VERB
issue-351	54	6	to	to	ADP
issue-351	54	7	as	as	ADP
issue-351	54	8	direct	direct	ADJ
issue-351	54	9	sales	sale	NOUN
issue-351	54	10	.	.	PUNCT
issue-351	55	1	as	as	SCONJ
issue-351	55	2	scientists	scientist	NOUN
issue-351	55	3	point	point	VERB
issue-351	55	4	out	out	ADP
issue-351	55	5	,	,	PUNCT
issue-351	55	6	the	the	DET
issue-351	55	7	use	use	NOUN
issue-351	55	8	of	of	ADP
issue-351	55	9	modern	modern	ADJ
issue-351	55	10	technologies	technology	NOUN
issue-351	55	11	in	in	ADP
issue-351	55	12	the	the	DET
issue-351	55	13	distribution	distribution	NOUN
issue-351	55	14	of	of	ADP
issue-351	55	15	insurance	insurance	NOUN
issue-351	55	16	services	service	NOUN
issue-351	55	17	,	,	PUNCT
issue-351	55	18	and	and	CCONJ
issue-351	55	19	in	in	ADP
issue-351	55	20	particular	particular	ADJ
issue-351	55	21	,	,	PUNCT
issue-351	55	22	in	in	ADP
issue-351	55	23	the	the	DET
issue-351	55	24	insurance	insurance	NOUN
issue-351	55	25	of	of	ADP
issue-351	55	26	civil	civil	ADJ
issue-351	55	27	liability	liability	NOUN
issue-351	55	28	of	of	ADP
issue-351	55	29	vehicle	vehicle	NOUN
issue-351	55	30	owners	owner	NOUN
issue-351	55	31	,	,	PUNCT
issue-351	55	32	generates	generate	VERB
issue-351	55	33	far	far	ADV
issue-351	55	34	lower	low	ADJ
issue-351	55	35	sales	sale	NOUN
issue-351	55	36	costs	cost	NOUN
issue-351	55	37	(	(	PUNCT
issue-351	55	38	bojanowska	bojanowska	PROPN
issue-351	55	39	,	,	PUNCT
issue-351	55	40	wójcik	wójcik	PROPN
issue-351	55	41	,	,	PUNCT
issue-351	55	42	2015	2015	NUM
issue-351	55	43	)	)	PUNCT
issue-351	55	44	.	.	PUNCT
issue-351	56	1	in	in	ADP
issue-351	56	2	addition	addition	NOUN
issue-351	56	3	,	,	PUNCT
issue-351	56	4	new	new	ADJ
issue-351	56	5	technologies	technology	NOUN
issue-351	56	6	facilitate	facilitate	VERB
issue-351	56	7	the	the	DET
issue-351	56	8	reach	reach	NOUN
issue-351	56	9	of	of	ADP
issue-351	56	10	customers	customer	NOUN
issue-351	56	11	who	who	PRON
issue-351	56	12	prefer	prefer	VERB
issue-351	56	13	digital	digital	ADJ
issue-351	56	14	channels	channel	NOUN
issue-351	56	15	and	and	CCONJ
issue-351	56	16	promote	promote	VERB
issue-351	56	17	the	the	DET
issue-351	56	18	popularization	popularization	NOUN
issue-351	56	19	of	of	ADP
issue-351	56	20	insurance	insurance	NOUN
issue-351	56	21	products	product	NOUN
issue-351	56	22	,	,	PUNCT
issue-351	56	23	especially	especially	ADV
issue-351	56	24	among	among	ADP
issue-351	56	25	young	young	ADJ
issue-351	56	26	people	people	NOUN
issue-351	56	27	.	.	PUNCT
issue-351	57	1	selling	sell	VERB
issue-351	57	2	insurance	insurance	NOUN
issue-351	57	3	with	with	ADP
issue-351	57	4	the	the	DET
issue-351	57	5	use	use	NOUN
issue-351	57	6	of	of	ADP
issue-351	57	7	the	the	DET
issue-351	57	8	internet	internet	NOUN
issue-351	57	9	has	have	VERB
issue-351	57	10	many	many	ADJ
issue-351	57	11	advantages	advantage	NOUN
issue-351	57	12	from	from	ADP
issue-351	57	13	the	the	DET
issue-351	57	14	viewpoint	viewpoint	NOUN
issue-351	57	15	of	of	ADP
issue-351	57	16	the	the	DET
issue-351	57	17	client	client	NOUN
issue-351	57	18	.	.	PUNCT
issue-351	58	1	rating	rating	NOUN
issue-351	58	2	websites	website	NOUN
issue-351	58	3	,	,	PUNCT
issue-351	58	4	online	online	ADJ
issue-351	58	5	calculators	calculator	NOUN
issue-351	58	6	,	,	PUNCT
issue-351	58	7	or	or	CCONJ
issue-351	58	8	mobile	mobile	NOUN
issue-351	58	9	apps	app	NOUN
issue-351	58	10	allow	allow	VERB
issue-351	58	11	quickly	quickly	ADV
issue-351	58	12	collecting	collect	VERB
issue-351	58	13	information	information	NOUN
issue-351	58	14	,	,	PUNCT
issue-351	58	15	comparing	compare	VERB
issue-351	58	16	suggestions	suggestion	NOUN
issue-351	58	17	,	,	PUNCT
issue-351	58	18	and	and	CCONJ
issue-351	58	19	getting	get	VERB
issue-351	58	20	a	a	DET
issue-351	58	21	comfortable	comfortable	ADJ
issue-351	58	22	home	home	NOUN
issue-351	58	23	-	-	PUNCT
issue-351	58	24	based	base	VERB
issue-351	58	25	purchase	purchase	NOUN
issue-351	58	26	.	.	PUNCT
issue-351	59	1	this	this	PRON
issue-351	59	2	makes	make	VERB
issue-351	59	3	it	it	PRON
issue-351	59	4	easier	easy	ADJ
issue-351	59	5	to	to	PART
issue-351	59	6	access	access	VERB
issue-351	59	7	insurance	insurance	NOUN
issue-351	59	8	products	product	NOUN
issue-351	59	9	.	.	PUNCT
issue-351	60	1	however	however	ADV
issue-351	60	2	,	,	PUNCT
issue-351	60	3	it	it	PRON
issue-351	60	4	should	should	AUX
issue-351	60	5	be	be	AUX
issue-351	60	6	noted	note	VERB
issue-351	60	7	that	that	SCONJ
issue-351	60	8	the	the	DET
issue-351	60	9	internet	internet	NOUN
issue-351	60	10	or	or	CCONJ
issue-351	60	11	smartphone	smartphone	NOUN
issue-351	60	12	as	as	ADP
issue-351	60	13	a	a	DET
issue-351	60	14	sales	sale	NOUN
issue-351	60	15	channel	channel	NOUN
issue-351	60	16	works	work	VERB
issue-351	60	17	primarily	primarily	ADV
issue-351	60	18	on	on	ADP
issue-351	60	19	simple	simple	ADJ
issue-351	60	20	insurance	insurance	NOUN
issue-351	60	21	services	service	NOUN
issue-351	60	22	such	such	ADJ
issue-351	60	23	as	as	ADP
issue-351	60	24	:	:	PUNCT
issue-351	60	25	civil	civil	ADJ
issue-351	60	26	liability	liability	NOUN
issue-351	60	27	insurance	insurance	NOUN
issue-351	60	28	of	of	ADP
issue-351	60	29	vehicle	vehicle	NOUN
issue-351	60	30	owners	owner	NOUN
issue-351	60	31	or	or	CCONJ
issue-351	60	32	travel	travel	NOUN
issue-351	60	33	insurance	insurance	NOUN
issue-351	60	34	(	(	PUNCT
issue-351	60	35	handschke	handschke	ADJ
issue-351	60	36	,	,	PUNCT
issue-351	60	37	kaczała	kaczała	NOUN
issue-351	60	38	,	,	PUNCT
issue-351	60	39	2004	2004	NUM
issue-351	60	40	;	;	PUNCT
issue-351	60	41	witkowska	witkowska	NOUN
issue-351	60	42	,	,	PUNCT
issue-351	60	43	2008	2008	NUM
issue-351	60	44	)	)	PUNCT
issue-351	60	45	.	.	PUNCT
issue-351	61	1	one	one	PRON
issue-351	61	2	should	should	AUX
issue-351	61	3	agree	agree	VERB
issue-351	61	4	that	that	SCONJ
issue-351	61	5	most	most	ADJ
issue-351	61	6	insurance	insurance	NOUN
issue-351	61	7	products	product	NOUN
issue-351	61	8	are	be	AUX
issue-351	61	9	quite	quite	ADV
issue-351	61	10	complex	complex	ADJ
issue-351	61	11	.	.	PUNCT
issue-351	62	1	in	in	ADP
issue-351	62	2	this	this	DET
issue-351	62	3	regard	regard	NOUN
issue-351	62	4	,	,	PUNCT
issue-351	62	5	the	the	DET
issue-351	62	6	implementation	implementation	NOUN
issue-351	62	7	process	process	NOUN
issue-351	62	8	requires	require	VERB
issue-351	62	9	“	"	PUNCT
issue-351	62	10	consultation	consultation	NOUN
issue-351	62	11	”	"	PUNCT
issue-351	62	12	with	with	ADP
issue-351	62	13	specialists	specialist	NOUN
issue-351	62	14	(	(	PUNCT
issue-351	62	15	jaworski	jaworski	PROPN
issue-351	62	16	,	,	PUNCT
issue-351	62	17	lisowski	lisowski	NOUN
issue-351	62	18	,	,	PUNCT
issue-351	62	19	2004	2004	NUM
issue-351	62	20	)	)	PUNCT
issue-351	62	21	.	.	PUNCT
issue-351	63	1	nevertheless	nevertheless	ADV
issue-351	63	2	,	,	PUNCT
issue-351	63	3	the	the	DET
issue-351	63	4	development	development	NOUN
issue-351	63	5	of	of	ADP
issue-351	63	6	computer	computer	NOUN
issue-351	63	7	technology	technology	NOUN
issue-351	63	8	and	and	CCONJ
issue-351	63	9	smartphones	smartphone	NOUN
issue-351	63	10	made	make	VERB
issue-351	63	11	it	it	PRON
issue-351	63	12	possible	possible	ADJ
issue-351	63	13	to	to	PART
issue-351	63	14	compare	compare	VERB
issue-351	63	15	complex	complex	ADJ
issue-351	63	16	products	product	NOUN
issue-351	63	17	and	and	CCONJ
issue-351	63	18	their	their	PRON
issue-351	63	19	components	component	NOUN
issue-351	63	20	,	,	PUNCT
issue-351	63	21	which	which	PRON
issue-351	63	22	contributes	contribute	VERB
issue-351	63	23	to	to	ADP
issue-351	63	24	the	the	DET
issue-351	63	25	increase	increase	NOUN
issue-351	63	26	in	in	ADP
issue-351	63	27	the	the	DET
issue-351	63	28	range	range	NOUN
issue-351	63	29	of	of	ADP
issue-351	63	30	insurance	insurance	NOUN
issue-351	63	31	products	product	NOUN
issue-351	63	32	sold	sell	VERB
issue-351	63	33	online	online	ADV
issue-351	63	34	.	.	PUNCT
issue-351	64	1	the	the	DET
issue-351	64	2	complexity	complexity	NOUN
issue-351	64	3	of	of	ADP
issue-351	64	4	insurance	insurance	NOUN
issue-351	64	5	products	product	NOUN
issue-351	64	6	often	often	ADV
issue-351	64	7	requires	require	VERB
issue-351	64	8	,	,	PUNCT
issue-351	64	9	besides	besides	SCONJ
issue-351	64	10	technical	technical	ADJ
issue-351	64	11	equipment	equipment	NOUN
issue-351	64	12	,	,	PUNCT
issue-351	64	13	knowledge	knowledge	NOUN
issue-351	64	14	in	in	ADP
issue-351	64	15	the	the	DET
issue-351	64	16	field	field	NOUN
issue-351	64	17	of	of	ADP
issue-351	64	18	insurance	insurance	NOUN
issue-351	64	19	,	,	PUNCT
issue-351	64	20	that	that	ADV
issue-351	64	21	is	is	ADV
issue-351	64	22	,	,	PUNCT
issue-351	64	23	the	the	DET
issue-351	64	24	use	use	NOUN
issue-351	64	25	of	of	ADP
issue-351	64	26	services	service	NOUN
issue-351	64	27	of	of	ADP
issue-351	64	28	insurance	insurance	NOUN
issue-351	64	29	intermediaries	intermediary	NOUN
issue-351	64	30	.	.	PUNCT
issue-351	65	1	in	in	ADP
issue-351	65	2	the	the	DET
issue-351	65	3	traditional	traditional	ADJ
issue-351	65	4	,	,	PUNCT
issue-351	65	5	classical	classical	ADJ
issue-351	65	6	sense	sense	NOUN
issue-351	65	7	,	,	PUNCT
issue-351	65	8	insurance	insurance	NOUN
issue-351	65	9	intermediary	intermediary	NOUN
issue-351	65	10	is	be	AUX
issue-351	65	11	an	an	DET
issue-351	65	12	insurance	insurance	NOUN
issue-351	65	13	agent	agent	NOUN
issue-351	65	14	or	or	CCONJ
issue-351	65	15	insurance	insurance	NOUN
issue-351	65	16	broker	broker	NOUN
issue-351	65	17	.	.	PUNCT
issue-351	66	1	however	however	ADV
issue-351	66	2	,	,	PUNCT
issue-351	66	3	organizational	organizational	ADJ
issue-351	66	4	changes	change	NOUN
issue-351	66	5	and	and	CCONJ
issue-351	66	6	the	the	DET
issue-351	66	7	practice	practice	NOUN
issue-351	66	8	of	of	ADP
issue-351	66	9	the	the	DET
issue-351	66	10	insurance	insurance	NOUN
issue-351	66	11	market	market	NOUN
issue-351	66	12	have	have	AUX
issue-351	66	13	led	lead	VERB
issue-351	66	14	to	to	ADP
issue-351	66	15	the	the	DET
issue-351	66	16	creation	creation	NOUN
issue-351	66	17	of	of	ADP
issue-351	66	18	new	new	ADJ
issue-351	66	19	,	,	PUNCT
issue-351	66	20	non	non	ADJ
issue-351	66	21	-	-	ADJ
issue-351	66	22	traditional	traditional	ADJ
issue-351	66	23	types	type	NOUN
issue-351	66	24	of	of	ADP
issue-351	66	25	insurance	insurance	NOUN
issue-351	66	26	intermediaries	intermediary	NOUN
issue-351	66	27	,	,	PUNCT
issue-351	66	28	which	which	PRON
issue-351	66	29	include	include	VERB
issue-351	66	30	banks	bank	NOUN
issue-351	66	31	,	,	PUNCT
issue-351	66	32	auto	auto	NOUN
issue-351	66	33	dealers	dealer	NOUN
issue-351	66	34	or	or	CCONJ
issue-351	66	35	travel	travel	NOUN
issue-351	66	36	agencies	agency	NOUN
issue-351	66	37	(	(	PUNCT
issue-351	66	38	zieniewicz	zieniewicz	NOUN
issue-351	66	39	,	,	PUNCT
issue-351	66	40	lisowski	lisowski	NOUN
issue-351	66	41	,	,	PUNCT
issue-351	66	42	2015	2015	NUM
issue-351	66	43	)	)	PUNCT
issue-351	66	44	.	.	PUNCT
issue-351	67	1	3	3	X
issue-351	67	2	.	.	X
issue-351	67	3	internetization	internetization	NOUN
issue-351	67	4	of	of	ADP
issue-351	67	5	society	society	NOUN
issue-351	67	6	as	as	ADP
issue-351	67	7	a	a	DET
issue-351	67	8	basis	basis	NOUN
issue-351	67	9	for	for	ADP
issue-351	67	10	the	the	DET
issue-351	67	11	distribution	distribution	NOUN
issue-351	67	12	of	of	ADP
issue-351	67	13	insurance	insurance	NOUN
issue-351	67	14	services	service	NOUN
issue-351	67	15	online	online	ADV
issue-351	67	16	the	the	DET
issue-351	67	17	internet	internet	NOUN
issue-351	67	18	provides	provide	VERB
issue-351	67	19	enormous	enormous	ADJ
issue-351	67	20	opportunities	opportunity	NOUN
issue-351	67	21	for	for	ADP
issue-351	67	22	developing	develop	VERB
issue-351	67	23	marketing	marketing	NOUN
issue-351	67	24	and	and	CCONJ
issue-351	67	25	improving	improve	VERB
issue-351	67	26	the	the	DET
issue-351	67	27	methods	method	NOUN
issue-351	67	28	of	of	ADP
issue-351	67	29	product	product	NOUN
issue-351	67	30	insurance	insurance	NOUN
issue-351	67	31	management	management	NOUN
issue-351	67	32	of	of	ADP
issue-351	67	33	insurance	insurance	NOUN
issue-351	67	34	companies	company	NOUN
issue-351	67	35	.	.	PUNCT
issue-351	68	1	insurance	insurance	NOUN
issue-351	68	2	companies	company	NOUN
issue-351	68	3	are	be	AUX
issue-351	68	4	finding	find	VERB
issue-351	68	5	new	new	ADJ
issue-351	68	6	ways	way	NOUN
issue-351	68	7	to	to	PART
issue-351	68	8	profit	profit	VERB
issue-351	68	9	from	from	ADP
issue-351	68	10	these	these	DET
issue-351	68	11	opportunities	opportunity	NOUN
issue-351	68	12	(	(	PUNCT
issue-351	68	13	dutta	dutta	PROPN
issue-351	68	14	,	,	PUNCT
issue-351	68	15	kwan	kwan	PROPN
issue-351	68	16	,	,	PUNCT
issue-351	68	17	segev	segev	NOUN
issue-351	68	18	,	,	PUNCT
issue-351	68	19	1997	1997	NUM
issue-351	68	20	)	)	PUNCT
issue-351	68	21	.	.	PUNCT
issue-351	69	1	activities	activity	NOUN
issue-351	69	2	of	of	ADP
issue-351	69	3	insurance	insurance	NOUN
issue-351	69	4	companies	company	NOUN
issue-351	69	5	that	that	PRON
issue-351	69	6	took	take	VERB
issue-351	69	7	place	place	NOUN
issue-351	69	8	on	on	ADP
issue-351	69	9	the	the	DET
issue-351	69	10	world	world	NOUN
issue-351	69	11	wide	wide	ADJ
issue-351	69	12	web	web	NOUN
issue-351	69	13	and	and	CCONJ
issue-351	69	14	their	their	PRON
issue-351	69	15	results	result	NOUN
issue-351	69	16	have	have	AUX
issue-351	69	17	also	also	ADV
issue-351	69	18	evolved	evolve	VERB
issue-351	69	19	(	(	PUNCT
issue-351	69	20	krol	krol	PROPN
issue-351	69	21	,	,	PUNCT
issue-351	69	22	hoffman	hoffman	NOUN
issue-351	69	23	,	,	PUNCT
issue-351	69	24	1993	1993	NUM
issue-351	69	25	)	)	PUNCT
issue-351	69	26	.	.	PUNCT
issue-351	70	1	previously	previously	ADV
issue-351	70	2	,	,	PUNCT
issue-351	70	3	some	some	DET
issue-351	70	4	insurance	insurance	NOUN
issue-351	70	5	companies	company	NOUN
issue-351	70	6	created	create	VERB
issue-351	70	7	sites	site	NOUN
issue-351	70	8	but	but	CCONJ
issue-351	70	9	did	do	AUX
issue-351	70	10	not	not	PART
issue-351	70	11	use	use	VERB
issue-351	70	12	the	the	DET
issue-351	70	13	possibility	possibility	NOUN
issue-351	70	14	to	to	PART
issue-351	70	15	distribute	distribute	VERB
issue-351	70	16	their	their	PRON
issue-351	70	17	products	product	NOUN
issue-351	70	18	through	through	ADP
issue-351	70	19	them	they	PRON
issue-351	70	20	(	(	PUNCT
issue-351	70	21	klapkiv	klapkiv	NOUN
issue-351	70	22	,	,	PUNCT
issue-351	70	23	niemczyk	niemczyk	ADJ
issue-351	70	24	,	,	PUNCT
issue-351	70	25	vakun	vakun	NOUN
issue-351	70	26	,	,	PUNCT
issue-351	70	27	2017	2017	NUM
issue-351	70	28	)	)	PUNCT
issue-351	70	29	,	,	PUNCT
issue-351	70	30	contenting	content	VERB
issue-351	70	31	with	with	ADP
issue-351	70	32	the	the	DET
issue-351	70	33	information	information	NOUN
issue-351	70	34	component	component	NOUN
issue-351	70	35	of	of	ADP
issue-351	70	36	websites	website	NOUN
issue-351	70	37	(	(	PUNCT
issue-351	70	38	finne	finne	NOUN
issue-351	70	39	,	,	PUNCT
issue-351	70	40	grönroos	grönroo	NOUN
issue-351	70	41	,	,	PUNCT
issue-351	70	42	2017	2017	NUM
issue-351	70	43	)	)	PUNCT
issue-351	70	44	.	.	PUNCT
issue-351	71	1	currently	currently	ADV
issue-351	71	2	,	,	PUNCT
issue-351	71	3	more	more	ADJ
issue-351	71	4	and	and	CCONJ
issue-351	71	5	more	more	ADJ
issue-351	71	6	insurance	insurance	NOUN
issue-351	71	7	companies	company	NOUN
issue-351	71	8	are	be	AUX
issue-351	71	9	focusing	focus	VERB
issue-351	71	10	on	on	ADP
issue-351	71	11	automating	automate	VERB
issue-351	71	12	processes	process	NOUN
issue-351	71	13	and	and	CCONJ
issue-351	71	14	providing	provide	VERB
issue-351	71	15	online	online	ADJ
issue-351	71	16	services	service	NOUN
issue-351	71	17	.	.	PUNCT
issue-351	72	1	the	the	DET
issue-351	72	2	beginning	beginning	NOUN
issue-351	72	3	of	of	ADP
issue-351	72	4	the	the	DET
issue-351	72	5	distribution	distribution	NOUN
issue-351	72	6	of	of	ADP
issue-351	72	7	insurance	insurance	NOUN
issue-351	72	8	products	product	NOUN
issue-351	72	9	in	in	ADP
issue-351	72	10	poland	poland	PROPN
issue-351	72	11	can	can	AUX
issue-351	72	12	be	be	AUX
issue-351	72	13	considered	consider	VERB
issue-351	72	14	as	as	ADP
issue-351	72	15	2005	2005	NUM
issue-351	72	16	when	when	SCONJ
issue-351	72	17	their	their	PRON
issue-351	72	18	volume	volume	NOUN
issue-351	72	19	amounted	amount	VERB
issue-351	72	20	to	to	ADP
issue-351	72	21	0.01	0.01	NUM
issue-351	72	22	%	%	NOUN
issue-351	72	23	,	,	PUNCT
issue-351	72	24	and	and	CCONJ
issue-351	72	25	already	already	ADV
issue-351	72	26	in	in	ADP
issue-351	72	27	2016	2016	NUM
issue-351	72	28	shows	show	VERB
issue-351	72	29	17.35	17.35	NUM
issue-351	72	30	%	%	NOUN
issue-351	72	31	.	.	PUNCT
issue-351	73	1	since	since	SCONJ
issue-351	73	2	2013	2013	NUM
issue-351	73	3	,	,	PUNCT
issue-351	73	4	the	the	DET
issue-351	73	5	potential	potential	ADJ
issue-351	73	6	number	number	NOUN
issue-351	73	7	of	of	ADP
issue-351	73	8	consumers	consumer	NOUN
issue-351	73	9	with	with	ADP
issue-351	73	10	widespread	widespread	ADJ
issue-351	73	11	internet	internet	NOUN
issue-351	73	12	access	access	NOUN
issue-351	73	13	in	in	ADP
issue-351	73	14	ukraine	ukraine	NOUN
issue-351	73	15	has	have	AUX
issue-351	73	16	come	come	VERB
issue-351	73	17	close	close	ADV
issue-351	73	18	to	to	ADP
issue-351	73	19	the	the	DET
issue-351	73	20	size	size	NOUN
issue-351	73	21	of	of	ADP
issue-351	73	22	poland	poland	PROPN
issue-351	73	23	.	.	PUNCT
issue-351	74	1	the	the	DET
issue-351	74	2	main	main	ADJ
issue-351	74	3	growth	growth	NOUN
issue-351	74	4	of	of	ADP
issue-351	74	5	online	online	ADJ
issue-351	74	6	distribution	distribution	NOUN
issue-351	74	7	in	in	ADP
issue-351	74	8	poland	poland	PROPN
issue-351	74	9	has	have	AUX
issue-351	74	10	been	be	AUX
issue-351	74	11	since	since	SCONJ
issue-351	74	12	2014	2014	NUM
issue-351	74	13	;	;	PUNCT
issue-351	74	14	in	in	ADP
issue-351	74	15	2015	2015	NUM
issue-351	74	16	 	 	SPACE
issue-351	74	17	–	–	PUNCT
issue-351	74	18	by	by	ADP
issue-351	74	19	2.37	2.37	NUM
issue-351	74	20	%	%	NOUN
issue-351	74	21	in	in	ADP
issue-351	74	22	relation	relation	NOUN
issue-351	74	23	to	to	ADP
issue-351	74	24	2014	2014	NUM
issue-351	74	25	,	,	PUNCT
issue-351	74	26	and	and	CCONJ
issue-351	74	27	to	to	ADP
issue-351	74	28	10.24	10.24	NUM
issue-351	74	29	%	%	NOUN
issue-351	74	30	in	in	ADP
issue-351	74	31	2016	2016	NUM
issue-351	74	32	,	,	PUNCT
issue-351	74	33	which	which	PRON
issue-351	74	34	is	be	AUX
issue-351	74	35	due	due	ADJ
issue-351	74	36	to	to	ADP
issue-351	74	37	the	the	DET
issue-351	74	38	adoption	adoption	NOUN
issue-351	74	39	of	of	ADP
issue-351	74	40	the	the	DET
issue-351	74	41	relevant	relevant	ADJ
issue-351	74	42	legislation	legislation	NOUN
issue-351	74	43	.	.	PUNCT
issue-351	75	1	0	0	NUM
issue-351	75	2	5000	5000	NUM
issue-351	75	3	10000	10000	NUM
issue-351	75	4	15000	15000	NUM
issue-351	75	5	20000	20000	NUM
issue-351	75	6	25000	25000	NUM
issue-351	75	7	30000	30000	NUM
issue-351	75	8	2005	2005	NUM
issue-351	75	9	2006	2006	NUM
issue-351	75	10	2007	2007	NUM
issue-351	75	11	2008	2008	NUM
issue-351	75	12	2009	2009	NUM
issue-351	75	13	2010	2010	NUM
issue-351	75	14	2011	2011	NUM
issue-351	75	15	2012	2012	NUM
issue-351	75	16	2013	2013	NUM
issue-351	75	17	2014	2014	NUM
issue-351	75	18	2015	2015	NUM
issue-351	75	19	2016	2016	NUM
issue-351	75	20	the	the	DET
issue-351	75	21	inhabitants	inhabitant	NOUN
issue-351	75	22	with	with	ADP
issue-351	75	23	internet	internet	NOUN
issue-351	75	24	access	access	NOUN
issue-351	75	25	,	,	PUNCT
issue-351	75	26	thousand	thousand	NUM
issue-351	75	27	poland	poland	PROPN
issue-351	75	28	internet	internet	NOUN
issue-351	75	29	users	user	NOUN
issue-351	75	30	ukraine	ukraine	PROPN
issue-351	75	31	internet	internet	NOUN
issue-351	75	32	users	user	NOUN
issue-351	75	33	fig	fig	NOUN
issue-351	75	34	.	.	PUNCT
issue-351	76	1	2	2	X
issue-351	76	2	.	.	X
issue-351	76	3	the	the	DET
issue-351	76	4	dynamics	dynamic	NOUN
issue-351	76	5	of	of	ADP
issue-351	76	6	the	the	DET
issue-351	76	7	internetization	internetization	NOUN
issue-351	76	8	of	of	ADP
issue-351	76	9	inhabitants	inhabitant	NOUN
issue-351	76	10	of	of	ADP
issue-351	76	11	ukraine	ukraine	NOUN
issue-351	76	12	and	and	CCONJ
issue-351	76	13	poland	poland	PROPN
issue-351	76	14	in	in	ADP
issue-351	76	15	2005–2016	2005–2016	NUM
issue-351	76	16	source	source	NOUN
issue-351	76	17	:	:	PUNCT
issue-351	76	18	own	own	ADJ
issue-351	76	19	research	research	NOUN
issue-351	76	20	on	on	ADP
issue-351	76	21	the	the	DET
issue-351	76	22	basis	basis	NOUN
issue-351	76	23	of	of	ADP
issue-351	76	24	(	(	PUNCT
issue-351	76	25	internet	internet	NOUN
issue-351	76	26	users	user	NOUN
issue-351	76	27	by	by	ADP
issue-351	76	28	country	country	NOUN
issue-351	76	29	,	,	PUNCT
issue-351	76	30	2016	2016	NUM
issue-351	76	31	)	)	PUNCT
issue-351	76	32	the	the	DET
issue-351	76	33	home	home	NOUN
issue-351	76	34	-	-	PUNCT
issue-351	76	35	based	base	VERB
issue-351	76	36	internet	internet	NOUN
issue-351	76	37	access	access	NOUN
issue-351	76	38	of	of	ADP
issue-351	76	39	the	the	DET
issue-351	76	40	residents	resident	NOUN
issue-351	76	41	of	of	ADP
issue-351	76	42	ukraine	ukraine	PROPN
issue-351	76	43	and	and	CCONJ
issue-351	76	44	poland	poland	PROPN
issue-351	76	45	is	be	AUX
issue-351	76	46	improving	improve	VERB
issue-351	76	47	year	year	NOUN
issue-351	76	48	by	by	ADP
issue-351	76	49	year	year	NOUN
issue-351	76	50	(	(	PUNCT
issue-351	76	51	see	see	VERB
issue-351	76	52	figure	figure	NOUN
issue-351	76	53	1	1	NUM
issue-351	76	54	)	)	PUNCT
issue-351	76	55	.	.	PUNCT
issue-351	77	1	in	in	ADP
issue-351	77	2	the	the	DET
issue-351	77	3	years	year	NOUN
issue-351	77	4	of	of	ADP
issue-351	77	5	2005–2016	2005–2016	NUM
issue-351	77	6	,	,	PUNCT
issue-351	77	7	on	on	ADP
issue-351	77	8	average	average	ADJ
issue-351	77	9	,	,	PUNCT
issue-351	77	10	59.75	59.75	NUM
issue-351	77	11	%	%	NOUN
issue-351	77	12	of	of	ADP
issue-351	77	13	households	household	NOUN
issue-351	77	14	had	have	VERB
issue-351	77	15	access	access	NOUN
issue-351	77	16	to	to	ADP
issue-351	77	17	the	the	DET
issue-351	77	18	internet	internet	NOUN
issue-351	77	19	.	.	PUNCT
issue-351	78	1	between	between	ADP
issue-351	78	2	2005	2005	NUM
issue-351	78	3	and	and	CCONJ
issue-351	78	4	2016	2016	NUM
issue-351	78	5	,	,	PUNCT
issue-351	78	6	the	the	DET
issue-351	78	7	share	share	NOUN
issue-351	78	8	of	of	ADP
issue-351	78	9	households	household	NOUN
issue-351	78	10	with	with	ADP
issue-351	78	11	internet	internet	NOUN
issue-351	78	12	access	access	NOUN
issue-351	78	13	in	in	ADP
issue-351	78	14	poland	poland	PROPN
issue-351	78	15	increased	increase	VERB
issue-351	78	16	to	to	ADP
issue-351	78	17	73	73	NUM
issue-351	78	18	percent	percent	NOUN
issue-351	78	19	of	of	ADP
issue-351	78	20	the	the	DET
issue-351	78	21	population	population	NOUN
issue-351	78	22	,	,	PUNCT
issue-351	78	23	with	with	ADP
issue-351	78	24	an	an	DET
issue-351	78	25	increase	increase	NOUN
issue-351	78	26	of	of	ADP
issue-351	78	27	39	39	NUM
issue-351	78	28	percent	percent	NOUN
issue-351	78	29	.	.	PUNCT
issue-351	79	1	in	in	ADP
issue-351	79	2	ukraine	ukraine	NOUN
issue-351	79	3	,	,	PUNCT
issue-351	79	4	there	there	PRON
issue-351	79	5	was	be	VERB
issue-351	79	6	a	a	DET
issue-351	79	7	41	41	NUM
issue-351	79	8	%	%	NOUN
issue-351	79	9	increase	increase	NOUN
issue-351	79	10	in	in	ADP
issue-351	79	11	this	this	DET
issue-351	79	12	time	time	NOUN
issue-351	79	13	period	period	NOUN
issue-351	79	14	.	.	PUNCT
issue-351	80	1	the	the	DET
issue-351	80	2	lack	lack	NOUN
issue-351	80	3	of	of	ADP
issue-351	80	4	official	official	ADJ
issue-351	80	5	statistics	statistic	NOUN
issue-351	80	6	and	and	CCONJ
issue-351	80	7	,	,	PUNCT
issue-351	80	8	in	in	ADP
issue-351	80	9	general	general	ADJ
issue-351	80	10	,	,	PUNCT
issue-351	80	11	the	the	DET
issue-351	80	12	possibility	possibility	NOUN
issue-351	80	13	of	of	ADP
issue-351	80	14	concluding	conclude	VERB
issue-351	80	15	an	an	DET
issue-351	80	16	online	online	ADJ
issue-351	80	17	agreement	agreement	NOUN
issue-351	80	18	up	up	ADP
issue-351	80	19	to	to	PART
issue-351	80	20	2018	2018	NUM
issue-351	80	21	in	in	ADP
issue-351	80	22	ukraine	ukraine	PROPN
issue-351	80	23	makes	make	VERB
issue-351	80	24	it	it	PRON
issue-351	80	25	necessary	necessary	ADJ
issue-351	80	26	to	to	PART
issue-351	80	27	limit	limit	VERB
issue-351	80	28	the	the	DET
issue-351	80	29	analysis	analysis	NOUN
issue-351	80	30	of	of	ADP
issue-351	80	31	the	the	DET
issue-351	80	32	dynamics	dynamic	NOUN
issue-351	80	33	of	of	ADP
issue-351	80	34	the	the	DET
issue-351	80	35	change	change	NOUN
issue-351	80	36	in	in	ADP
issue-351	80	37	the	the	DET
issue-351	80	38	percentage	percentage	NOUN
issue-351	80	39	of	of	ADP
issue-351	80	40	sales	sale	NOUN
issue-351	80	41	of	of	ADP
issue-351	80	42	insurance	insurance	NOUN
issue-351	80	43	products	product	NOUN
issue-351	80	44	of	of	ADP
issue-351	80	45	insurance	insurance	NOUN
issue-351	80	46	companies	company	NOUN
issue-351	80	47	online	online	ADV
issue-351	80	48	in	in	ADP
issue-351	80	49	the	the	DET
issue-351	80	50	total	total	ADJ
issue-351	80	51	direct	direct	ADJ
issue-351	80	52	insurance	insurance	NOUN
issue-351	80	53	of	of	ADP
issue-351	80	54	these	these	DET
issue-351	80	55	companies	company	NOUN
issue-351	80	56	only	only	ADV
issue-351	80	57	to	to	ADP
issue-351	80	58	poland	poland	PROPN
issue-351	80	59	’s	’s	PART
issue-351	80	60	experience	experience	NOUN
issue-351	80	61	.	.	PUNCT
issue-351	81	1	the	the	DET
issue-351	81	2	study	study	NOUN
issue-351	81	3	evaluated	evaluate	VERB
issue-351	81	4	the	the	DET
issue-351	81	5	empirical	empirical	ADJ
issue-351	81	6	nature	nature	NOUN
issue-351	81	7	of	of	ADP
issue-351	81	8	the	the	DET
issue-351	81	9	dependence	dependence	NOUN
issue-351	81	10	between	between	ADP
issue-351	81	11	the	the	DET
issue-351	81	12	percentage	percentage	NOUN
issue-351	81	13	of	of	ADP
issue-351	81	14	people	people	NOUN
issue-351	81	15	having	have	VERB
issue-351	81	16	access	access	NOUN
issue-351	81	17	to	to	ADP
issue-351	81	18	the	the	DET
issue-351	81	19	internet	internet	NOUN
issue-351	81	20	and	and	CCONJ
issue-351	81	21	the	the	DET
issue-351	81	22	insurance	insurance	NOUN
issue-351	81	23	premium	premium	NOUN
issue-351	81	24	from	from	ADP
issue-351	81	25	internet	internet	NOUN
issue-351	81	26	sales	sale	NOUN
issue-351	81	27	of	of	ADP
issue-351	81	28	property	property	NOUN
issue-351	81	29	insurance	insurance	NOUN
issue-351	81	30	products	product	NOUN
issue-351	81	31	in	in	ADP
issue-351	81	32	poland	poland	PROPN
issue-351	81	33	,	,	PUNCT
issue-351	81	34	mainly	mainly	ADV
issue-351	81	35	civil	civil	ADJ
issue-351	81	36	liability	liability	NOUN
issue-351	81	37	insurance	insurance	NOUN
issue-351	81	38	for	for	ADP
issue-351	81	39	vehicle	vehicle	NOUN
issue-351	81	40	owners	owner	NOUN
issue-351	81	41	.	.	PUNCT
issue-351	82	1	for	for	ADP
issue-351	82	2	this	this	DET
issue-351	82	3	purpose	purpose	NOUN
issue-351	82	4	,	,	PUNCT
issue-351	82	5	the	the	DET
issue-351	82	6	relationship	relationship	NOUN
issue-351	82	7	between	between	ADP
issue-351	82	8	variables	variable	NOUN
issue-351	82	9	of	of	ADP
issue-351	82	10	linear	linear	ADJ
issue-351	82	11	regression	regression	NOUN
issue-351	82	12	was	be	AUX
issue-351	82	13	studied	study	VERB
issue-351	82	14	and	and	CCONJ
issue-351	82	15	the	the	DET
issue-351	82	16	parameters	parameter	NOUN
issue-351	82	17	and	and	CCONJ
issue-351	82	18	degree	degree	NOUN
issue-351	82	19	of	of	ADP
issue-351	82	20	baltic	baltic	ADJ
issue-351	82	21	journal	journal	PROPN
issue-351	82	22	of	of	ADP
issue-351	82	23	economic	economic	ADJ
issue-351	82	24	studies	study	NOUN
issue-351	82	25	198	198	NUM
issue-351	82	26	vol	vol	NOUN
issue-351	82	27	.	.	PROPN
issue-351	83	1	4	4	NUM
issue-351	83	2	,	,	PUNCT
issue-351	83	3	no	no	INTJ
issue-351	83	4	.	.	NOUN
issue-351	83	5	1	1	NUM
issue-351	83	6	,	,	PUNCT
issue-351	83	7	2018	2018	NUM
issue-351	83	8	alignment	alignment	NOUN
issue-351	83	9	on	on	ADP
issue-351	83	10	empirical	empirical	ADJ
issue-351	83	11	data	datum	NOUN
issue-351	83	12	were	be	AUX
issue-351	83	13	estimated	estimate	VERB
issue-351	83	14	.	.	PUNCT
issue-351	84	1	the	the	DET
issue-351	84	2	results	result	NOUN
issue-351	84	3	showed	show	VERB
issue-351	84	4	that	that	SCONJ
issue-351	84	5	there	there	PRON
issue-351	84	6	is	be	VERB
issue-351	84	7	a	a	DET
issue-351	84	8	significant	significant	ADJ
issue-351	84	9	linear	linear	ADJ
issue-351	84	10	correlation	correlation	NOUN
issue-351	84	11	between	between	ADP
issue-351	84	12	the	the	DET
issue-351	84	13	internetization	internetization	NOUN
issue-351	84	14	index	index	NOUN
issue-351	84	15	and	and	CCONJ
issue-351	84	16	the	the	DET
issue-351	84	17	share	share	NOUN
issue-351	84	18	of	of	ADP
issue-351	84	19	sales	sale	NOUN
issue-351	84	20	of	of	ADP
issue-351	84	21	online	online	ADJ
issue-351	84	22	insurance	insurance	NOUN
issue-351	84	23	products	product	NOUN
issue-351	84	24	with	with	ADP
issue-351	84	25	a	a	DET
issue-351	84	26	positive	positive	ADJ
issue-351	84	27	trend	trend	NOUN
issue-351	84	28	(	(	PUNCT
issue-351	84	29	pearson	pearson	NOUN
issue-351	84	30	correlation	correlation	NOUN
issue-351	84	31	is	be	AUX
issue-351	84	32	0.72	0.72	NUM
issue-351	84	33	,	,	PUNCT
issue-351	84	34	average	average	ADJ
issue-351	84	35	estimation	estimation	NOUN
issue-351	84	36	error	error	NOUN
issue-351	84	37	 	 	SPACE
issue-351	84	38	–	–	PUNCT
issue-351	84	39	3.43	3.43	NUM
issue-351	84	40	%	%	NOUN
issue-351	84	41	,	,	PUNCT
issue-351	84	42	determination	determination	NOUN
issue-351	84	43	coefficient	coefficient	NOUN
issue-351	84	44	 	 	SPACE
issue-351	84	45	–	–	PUNCT
issue-351	84	46	51.86	51.86	NUM
issue-351	84	47	%	%	NOUN
issue-351	84	48	)	)	PUNCT
issue-351	84	49	.	.	PUNCT
issue-351	85	1	however	however	ADV
issue-351	85	2	,	,	PUNCT
issue-351	85	3	the	the	DET
issue-351	85	4	correspondence	correspondence	NOUN
issue-351	85	5	of	of	ADP
issue-351	85	6	linear	linear	ADJ
issue-351	85	7	regression	regression	NOUN
issue-351	85	8	with	with	ADP
issue-351	85	9	empirical	empirical	ADJ
issue-351	85	10	data	datum	NOUN
issue-351	85	11	is	be	AUX
issue-351	85	12	not	not	PART
issue-351	85	13	satisfactory	satisfactory	ADJ
issue-351	85	14	.	.	PUNCT
issue-351	86	1	the	the	DET
issue-351	86	2	correlation	correlation	NOUN
issue-351	86	3	diagram	diagram	NOUN
issue-351	86	4	in	in	ADP
issue-351	86	5	figure	figure	NOUN
issue-351	86	6	3	3	NUM
issue-351	86	7	indicates	indicate	VERB
issue-351	86	8	that	that	SCONJ
issue-351	86	9	the	the	DET
issue-351	86	10	ratio	ratio	NOUN
issue-351	86	11	between	between	ADP
issue-351	86	12	the	the	DET
issue-351	86	13	percentage	percentage	NOUN
issue-351	86	14	of	of	ADP
issue-351	86	15	internetization	internetization	NOUN
issue-351	86	16	and	and	CCONJ
issue-351	86	17	the	the	DET
issue-351	86	18	share	share	NOUN
issue-351	86	19	of	of	ADP
issue-351	86	20	insurance	insurance	NOUN
issue-351	86	21	premiums	premium	NOUN
issue-351	86	22	from	from	ADP
issue-351	86	23	the	the	DET
issue-351	86	24	online	online	ADJ
issue-351	86	25	insurance	insurance	NOUN
issue-351	86	26	products	product	NOUN
issue-351	86	27	is	be	AUX
issue-351	86	28	exponential	exponential	ADJ
issue-351	86	29	.	.	PUNCT
issue-351	86	30	-10	-10	PUNCT
issue-351	87	1	-8	-8	INTJ
issue-351	88	1	-6	-6	INTJ
issue-351	88	2	-4	-4	INTJ
issue-351	89	1	-2	-2	NOUN
issue-351	89	2	0	0	NUM
issue-351	89	3	2	2	NUM
issue-351	89	4	4	4	NUM
issue-351	89	5	6	6	NUM
issue-351	89	6	8	8	NUM
issue-351	89	7	10	10	NUM
issue-351	89	8	12	12	NUM
issue-351	89	9	14	14	NUM
issue-351	89	10	16	16	NUM
issue-351	89	11	18	18	NUM
issue-351	89	12	20	20	NUM
issue-351	89	13	0	0	NUM
issue-351	89	14	10	10	NUM
issue-351	89	15	20	20	NUM
issue-351	89	16	30	30	NUM
issue-351	89	17	40	40	NUM
issue-351	89	18	50	50	NUM
issue-351	89	19	60	60	NUM
issue-351	89	20	70	70	NUM
issue-351	89	21	80	80	NUM
issue-351	89	22	90	90	NUM
issue-351	89	23	t	t	NOUN
issue-351	89	24	he	he	PRON
issue-351	89	25	s	s	VERB
issue-351	89	26	ha	ha	INTJ
issue-351	89	27	re	re	ADP
issue-351	89	28	o	o	PROPN
issue-351	89	29	f	f	PROPN
issue-351	90	1	t	t	X
issue-351	90	2	he	he	PRON
issue-351	90	3	p	p	X
issue-351	90	4	re	re	VERB
issue-351	90	5	m	m	PROPN
issue-351	90	6	iu	iu	ADP
issue-351	90	7	m	m	PROPN
issue-351	90	8	fr	fr	INTJ
issue-351	91	1	om	om	INTJ
issue-351	91	2	o	o	PROPN
issue-351	91	3	nl	nl	PROPN
issue-351	91	4	in	in	ADP
issue-351	91	5	e	e	PROPN
issue-351	91	6	di	di	PROPN
issue-351	91	7	st	st	PROPN
issue-351	91	8	rib	rib	PROPN
issue-351	91	9	ut	ut	PROPN
issue-351	91	10	io	io	PROPN
issue-351	91	11	n	n	PROPN
issue-351	91	12	in	in	ADP
issue-351	91	13	th	th	X
issue-351	91	14	e	e	NOUN
issue-351	91	15	to	to	ADP
issue-351	91	16	ta	ta	ADP
issue-351	91	17	l	l	PROPN
issue-351	91	18	a	a	DET
issue-351	91	19	m	m	NOUN
issue-351	91	20	ou	ou	NOUN
issue-351	91	21	nt	not	PART
issue-351	91	22	o	o	NOUN
issue-351	92	1	f	f	X
issue-351	92	2	i	i	PRON
issue-351	92	3	ns	ns	VERB
issue-351	92	4	ur	ur	INTJ
issue-351	93	1	an	an	DET
issue-351	93	2	ce	ce	PROPN
issue-351	93	3	p	p	X
issue-351	93	4	ay	ay	PROPN
issue-351	93	5	m	m	VERB
issue-351	93	6	en	en	ADP
issue-351	93	7	ts	ts	X
issue-351	93	8	fr	fr	INTJ
issue-351	93	9	om	om	PROPN
issue-351	94	1	d	d	INTJ
issue-351	94	2	ire	ire	VERB
issue-351	94	3	ct	ct	PROPN
issue-351	94	4	sa	sa	X
issue-351	94	5	le	le	PROPN
issue-351	94	6	s	s	PART
issue-351	95	1	[	[	X
issue-351	95	2	%	%	X
issue-351	95	3	]	]	X
issue-351	95	4	citizens	citizen	NOUN
issue-351	95	5	'	'	PART
issue-351	95	6	access	access	NOUN
issue-351	95	7	to	to	ADP
issue-351	95	8	the	the	DET
issue-351	95	9	internet	internet	NOUN
issue-351	96	1	[	[	X
issue-351	96	2	%	%	X
issue-351	96	3	]	]	X
issue-351	96	4	fig	fig	NOUN
issue-351	96	5	.	.	PUNCT
issue-351	97	1	3	3	X
issue-351	97	2	.	.	X
issue-351	97	3	the	the	DET
issue-351	97	4	share	share	NOUN
issue-351	97	5	of	of	ADP
issue-351	97	6	online	online	ADJ
issue-351	97	7	sales	sale	NOUN
issue-351	97	8	of	of	ADP
issue-351	97	9	insurance	insurance	NOUN
issue-351	97	10	products	product	NOUN
issue-351	97	11	and	and	CCONJ
issue-351	97	12	the	the	DET
issue-351	97	13	percentage	percentage	NOUN
issue-351	97	14	of	of	ADP
issue-351	97	15	citizens	citizen	NOUN
issue-351	97	16	with	with	ADP
issue-351	97	17	internet	internet	NOUN
issue-351	97	18	access	access	NOUN
issue-351	97	19	in	in	ADP
issue-351	97	20	poland	poland	PROPN
issue-351	97	21	in	in	ADP
issue-351	97	22	2005–2016	2005–2016	NUM
issue-351	97	23	(	(	PUNCT
issue-351	97	24	in	in	ADP
issue-351	97	25	%	%	NOUN
issue-351	97	26	)	)	PUNCT
issue-351	97	27	source	source	NOUN
issue-351	97	28	:	:	PUNCT
issue-351	97	29	own	own	ADJ
issue-351	97	30	research	research	NOUN
issue-351	97	31	based	base	VERB
issue-351	97	32	on	on	ADP
issue-351	97	33	data	datum	NOUN
issue-351	97	34	of	of	ADP
issue-351	97	35	knf	knf	PROPN
issue-351	97	36	and	and	CCONJ
issue-351	97	37	gus	gus	NOUN
issue-351	97	38	parameters	parameter	NOUN
issue-351	97	39	of	of	ADP
issue-351	97	40	the	the	DET
issue-351	97	41	curve	curve	NOUN
issue-351	97	42	of	of	ADP
issue-351	97	43	exponential	exponential	ADJ
issue-351	97	44	regression	regression	NOUN
issue-351	97	45	were	be	AUX
issue-351	97	46	estimated	estimate	VERB
issue-351	97	47	by	by	ADP
issue-351	97	48	the	the	DET
issue-351	97	49	formulas	formula	NOUN
issue-351	97	50	(	(	PUNCT
issue-351	97	51	mruk	mruk	NOUN
issue-351	97	52	,	,	PUNCT
issue-351	97	53	2003	2003	NUM
issue-351	97	54	):	):	PUNCT
issue-351	97	55	log	log	NOUN
issue-351	97	56	log	log	NOUN
issue-351	97	57	log	log	VERB
issue-351	97	58	a	a	DET
issue-351	97	59	y	y	PROPN
issue-351	97	60	b	b	PROPN
issue-351	97	61	x	x	PROPN
issue-351	97	62	n	n	PROPN
issue-351	97	63	=	=	SYM
issue-351	97	64	−∑	−∑	PROPN
issue-351	97	65	∑	∑	PUNCT
issue-351	97	66	(	(	PUNCT
issue-351	97	67	1	1	X
issue-351	97	68	)	)	PUNCT
issue-351	97	69	log	log	NOUN
issue-351	97	70	log	log	NOUN
issue-351	97	71	log	log	PROPN
issue-351	97	72	b	b	PROPN
issue-351	97	73	n	n	PROPN
issue-351	97	74	x	x	SYM
issue-351	97	75	y	y	NOUN
issue-351	97	76	y	y	PROPN
issue-351	97	77	x	x	PROPN
issue-351	98	1	n	n	PROPN
issue-351	98	2	x	x	SYM
issue-351	98	3	x	x	SYM
issue-351	98	4	=	=	PUNCT
issue-351	98	5	−	−	PROPN
issue-351	98	6	−	−	PROPN
issue-351	98	7	(	(	PUNCT
issue-351	98	8	)	)	PUNCT
issue-351	98	9	∑	∑	PROPN
issue-351	98	10	∑∑	∑∑	PROPN
issue-351	98	11	∑	∑	PROPN
issue-351	98	12	∑2	∑2	NOUN
issue-351	98	13	2	2	NUM
issue-351	98	14	(	(	PUNCT
issue-351	98	15	2	2	NUM
issue-351	98	16	)	)	PUNCT
issue-351	99	1	where	where	SCONJ
issue-351	99	2	x	x	X
issue-351	99	3	  	  	SPACE
issue-351	99	4	–	–	PUNCT
issue-351	99	5	an	an	DET
issue-351	99	6	indicator	indicator	NOUN
issue-351	99	7	of	of	ADP
issue-351	99	8	internetization	internetization	NOUN
issue-351	99	9	,	,	PUNCT
issue-351	99	10	y	y	NOUN
issue-351	99	11	  	  	SPACE
issue-351	99	12	–	–	PUNCT
issue-351	99	13	share	share	NOUN
issue-351	99	14	of	of	ADP
issue-351	99	15	premiums	premium	NOUN
issue-351	99	16	from	from	ADP
issue-351	99	17	online	online	ADJ
issue-351	99	18	sales	sale	NOUN
issue-351	99	19	in	in	ADP
issue-351	99	20	the	the	DET
issue-351	99	21	total	total	ADJ
issue-351	99	22	number	number	NOUN
issue-351	99	23	of	of	ADP
issue-351	99	24	insurance	insurance	NOUN
issue-351	99	25	premiums	premium	NOUN
issue-351	99	26	,	,	PUNCT
issue-351	99	27	n	n	CCONJ
issue-351	99	28	 	 	SPACE
issue-351	99	29	–	–	PUNCT
issue-351	99	30	the	the	DET
issue-351	99	31	number	number	NOUN
issue-351	99	32	of	of	ADP
issue-351	99	33	observations	observation	NOUN
issue-351	99	34	.	.	PUNCT
issue-351	100	1	the	the	DET
issue-351	100	2	regression	regression	NOUN
issue-351	100	3	curve	curve	NOUN
issue-351	100	4	of	of	ADP
issue-351	100	5	the	the	DET
issue-351	100	6	theoretical	theoretical	ADJ
issue-351	100	7	form	form	NOUN
issue-351	100	8	is	be	AUX
issue-351	100	9	obtained	obtain	VERB
issue-351	100	10	.	.	PUNCT
issue-351	101	1	the	the	DET
issue-351	101	2	resulting	result	VERB
issue-351	101	3	curve	curve	NOUN
issue-351	101	4	for	for	ADP
issue-351	101	5	the	the	DET
issue-351	101	6	average	average	ADJ
issue-351	101	7	error	error	NOUN
issue-351	101	8	margin	margin	NOUN
issue-351	101	9	is	be	AUX
issue-351	101	10	1.79	1.79	NUM
issue-351	101	11	%	%	NOUN
issue-351	101	12	,	,	PUNCT
issue-351	101	13	and	and	CCONJ
issue-351	101	14	the	the	DET
issue-351	101	15	estimation	estimation	NOUN
issue-351	101	16	of	of	ADP
issue-351	101	17	86.84	86.84	NUM
issue-351	101	18	%	%	NOUN
issue-351	101	19	,	,	PUNCT
issue-351	101	20	better	well	ADV
issue-351	101	21	matches	match	VERB
issue-351	101	22	the	the	DET
issue-351	101	23	exponent	exponent	NOUN
issue-351	101	24	of	of	ADP
issue-351	101	25	empirical	empirical	ADJ
issue-351	101	26	data	datum	NOUN
issue-351	101	27	.	.	PUNCT
issue-351	102	1	the	the	DET
issue-351	102	2	exponential	exponential	ADJ
issue-351	102	3	model	model	NOUN
issue-351	102	4	explains	explain	VERB
issue-351	102	5	86.84	86.84	NUM
issue-351	102	6	%	%	NOUN
issue-351	102	7	of	of	ADP
issue-351	102	8	the	the	DET
issue-351	102	9	volatility	volatility	NOUN
issue-351	102	10	of	of	ADP
issue-351	102	11	premiums	premium	NOUN
issue-351	102	12	from	from	ADP
issue-351	102	13	online	online	ADJ
issue-351	102	14	sales	sale	NOUN
issue-351	102	15	,	,	PUNCT
issue-351	102	16	while	while	SCONJ
issue-351	102	17	the	the	DET
issue-351	102	18	linear	linear	PROPN
issue-351	102	19	model	model	NOUN
issue-351	102	20	  	  	SPACE
issue-351	102	21	–	–	PUNCT
issue-351	102	22	only	only	ADV
issue-351	102	23	51.86	51.86	NUM
issue-351	102	24	%	%	NOUN
issue-351	102	25	.	.	PUNCT
issue-351	103	1	the	the	DET
issue-351	103	2	predicted	predict	VERB
issue-351	103	3	share	share	NOUN
issue-351	103	4	of	of	ADP
issue-351	103	5	the	the	DET
issue-351	103	6	premium	premium	NOUN
issue-351	103	7	of	of	ADP
issue-351	103	8	85	85	NUM
issue-351	103	9	%	%	NOUN
issue-351	103	10	of	of	ADP
issue-351	103	11	the	the	DET
issue-351	103	12	internetization	internetization	NOUN
issue-351	103	13	is	be	AUX
issue-351	103	14	28.81	28.81	NUM
issue-351	103	15	+	+	NOUN
issue-351	103	16	/1.79	/1.79	X
issue-351	103	17	%	%	NOUN
issue-351	103	18	,	,	PUNCT
issue-351	103	19	with	with	ADP
issue-351	103	20	87	87	NUM
issue-351	103	21	%	%	NOUN
issue-351	103	22	of	of	ADP
issue-351	103	23	the	the	DET
issue-351	103	24	internetization	internetization	NOUN
issue-351	103	25	it	it	PRON
issue-351	103	26	will	will	AUX
issue-351	103	27	be	be	AUX
issue-351	103	28	36.72	36.72	NUM
issue-351	103	29	+	+	NOUN
issue-351	103	30	/1.79	/1.79	X
issue-351	103	31	%	%	NOUN
issue-351	103	32	,	,	PUNCT
issue-351	103	33	provided	provide	VERB
issue-351	103	34	that	that	SCONJ
issue-351	103	35	it	it	PRON
issue-351	103	36	will	will	AUX
issue-351	103	37	not	not	PART
issue-351	103	38	change	change	VERB
issue-351	103	39	depending	depend	VERB
issue-351	103	40	on	on	ADP
issue-351	103	41	the	the	DET
issue-351	103	42	type	type	NOUN
issue-351	103	43	of	of	ADP
issue-351	103	44	correlation	correlation	NOUN
issue-351	103	45	.	.	PUNCT
issue-351	104	1	the	the	DET
issue-351	104	2	main	main	ADJ
issue-351	104	3	advantage	advantage	NOUN
issue-351	104	4	of	of	ADP
issue-351	104	5	selling	sell	VERB
issue-351	104	6	insurance	insurance	NOUN
issue-351	104	7	online	online	ADV
issue-351	104	8	is	be	AUX
issue-351	104	9	reducing	reduce	VERB
issue-351	104	10	the	the	DET
issue-351	104	11	cost	cost	NOUN
issue-351	104	12	of	of	ADP
issue-351	104	13	distribution	distribution	NOUN
issue-351	104	14	.	.	PUNCT
issue-351	105	1	according	accord	VERB
issue-351	105	2	to	to	ADP
issue-351	105	3	scientists	scientist	NOUN
issue-351	105	4	,	,	PUNCT
issue-351	105	5	online	online	ADJ
issue-351	105	6	sales	sale	NOUN
issue-351	105	7	of	of	ADP
issue-351	105	8	civil	civil	ADJ
issue-351	105	9	liability	liability	NOUN
issue-351	105	10	insurance	insurance	NOUN
issue-351	105	11	for	for	ADP
issue-351	105	12	vehicle	vehicle	NOUN
issue-351	105	13	owners	owner	NOUN
issue-351	105	14	reduce	reduce	VERB
issue-351	105	15	costs	cost	NOUN
issue-351	105	16	by	by	ADP
issue-351	105	17	30	30	NUM
issue-351	105	18	%	%	NOUN
issue-351	105	19	(	(	PUNCT
issue-351	105	20	cholewiński	cholewiński	PROPN
issue-351	105	21	,	,	PUNCT
issue-351	105	22	2018	2018	NUM
issue-351	105	23	)	)	PUNCT
issue-351	105	24	.	.	PUNCT
issue-351	106	1	4	4	X
issue-351	106	2	.	.	X
issue-351	106	3	rationale	rationale	NOUN
issue-351	106	4	for	for	ADP
issue-351	106	5	the	the	DET
issue-351	106	6	need	need	NOUN
issue-351	106	7	to	to	PART
issue-351	106	8	create	create	VERB
issue-351	106	9	a	a	DET
issue-351	106	10	legally	legally	ADV
issue-351	106	11	favourable	favourable	ADJ
issue-351	106	12	environment	environment	NOUN
issue-351	106	13	the	the	DET
issue-351	106	14	basis	basis	NOUN
issue-351	106	15	for	for	ADP
issue-351	106	16	online	online	ADJ
issue-351	106	17	sales	sale	NOUN
issue-351	106	18	of	of	ADP
issue-351	106	19	insurance	insurance	NOUN
issue-351	106	20	services	service	NOUN
issue-351	106	21	is	be	AUX
issue-351	106	22	the	the	DET
issue-351	106	23	european	european	ADJ
issue-351	106	24	parliament	parliament	NOUN
issue-351	106	25	and	and	CCONJ
issue-351	106	26	council	council	NOUN
issue-351	106	27	directive	directive	NOUN
issue-351	106	28	(	(	PUNCT
issue-351	106	29	ec	ec	PROPN
issue-351	106	30	)	)	PUNCT
issue-351	106	31	2016/97	2016/97	NUM
issue-351	106	32	,	,	PUNCT
issue-351	106	33	adopted	adopt	VERB
issue-351	106	34	on	on	ADP
issue-351	106	35	20	20	NUM
issue-351	106	36	january	january	PROPN
issue-351	106	37	2016	2016	NUM
issue-351	106	38	on	on	ADP
issue-351	106	39	the	the	DET
issue-351	106	40	insurance	insurance	NOUN
issue-351	106	41	distribution	distribution	NOUN
issue-351	106	42	(	(	PUNCT
issue-351	106	43	insurance	insurance	NOUN
issue-351	106	44	distribution	distribution	NOUN
issue-351	106	45	directive	directive	NOUN
issue-351	106	46	,	,	PUNCT
issue-351	106	47	2016	2016	NUM
issue-351	106	48	)	)	PUNCT
issue-351	106	49	.	.	PUNCT
issue-351	107	1	this	this	DET
issue-351	107	2	act	act	NOUN
issue-351	107	3	came	come	VERB
issue-351	107	4	into	into	ADP
issue-351	107	5	force	force	NOUN
issue-351	107	6	on	on	ADP
issue-351	107	7	23	23	NUM
issue-351	107	8	february	february	NOUN
issue-351	107	9	2016	2016	NUM
issue-351	107	10	,	,	PUNCT
issue-351	107	11	which	which	PRON
issue-351	107	12	meant	mean	VERB
issue-351	107	13	that	that	SCONJ
issue-351	107	14	the	the	DET
issue-351	107	15	member	member	NOUN
issue-351	107	16	states	state	NOUN
issue-351	107	17	had	have	VERB
issue-351	107	18	to	to	PART
issue-351	107	19	change	change	VERB
issue-351	107	20	the	the	DET
issue-351	107	21	laws	law	NOUN
issue-351	107	22	and	and	CCONJ
issue-351	107	23	regulations	regulation	NOUN
issue-351	107	24	of	of	ADP
issue-351	107	25	their	their	PRON
issue-351	107	26	countries	country	NOUN
issue-351	107	27	by	by	ADP
issue-351	107	28	february	february	PROPN
issue-351	107	29	2018	2018	NUM
issue-351	107	30	.	.	PUNCT
issue-351	108	1	that	that	PRON
issue-351	108	2	is	be	AUX
issue-351	108	3	why	why	SCONJ
issue-351	108	4	in	in	ADP
issue-351	108	5	poland	poland	PROPN
issue-351	108	6	on	on	ADP
issue-351	108	7	15	15	NUM
issue-351	108	8	december	december	PROPN
issue-351	108	9	2017	2017	NUM
issue-351	108	10	a	a	DET
issue-351	108	11	law	law	NOUN
issue-351	108	12	on	on	ADP
issue-351	108	13	the	the	DET
issue-351	108	14	distribution	distribution	NOUN
issue-351	108	15	of	of	ADP
issue-351	108	16	insurance	insurance	NOUN
issue-351	108	17	services	service	NOUN
issue-351	108	18	was	be	AUX
issue-351	108	19	adopted	adopt	VERB
issue-351	108	20	(	(	PUNCT
issue-351	108	21	ustawa	ustawa	PROPN
issue-351	108	22	o	o	PROPN
issue-351	108	23	dystrybucji	dystrybucji	PROPN
issue-351	108	24	ubezpieczeń	ubezpieczeń	PROPN
issue-351	108	25	,	,	PUNCT
issue-351	108	26	2017	2017	NUM
issue-351	108	27	)	)	PUNCT
issue-351	108	28	,	,	PUNCT
issue-351	108	29	where	where	SCONJ
issue-351	108	30	article	article	NOUN
issue-351	108	31	4.2	4.2	NUM
issue-351	108	32	treats	treat	NOUN
issue-351	108	33	as	as	ADP
issue-351	108	34	a	a	DET
issue-351	108	35	distribution	distribution	NOUN
issue-351	108	36	channel	channel	NOUN
issue-351	108	37	websites	website	NOUN
issue-351	108	38	of	of	ADP
issue-351	108	39	insurance	insurance	NOUN
issue-351	108	40	companies	company	NOUN
issue-351	108	41	or	or	CCONJ
issue-351	108	42	other	other	ADJ
issue-351	108	43	media	medium	NOUN
issue-351	108	44	,	,	PUNCT
issue-351	108	45	through	through	ADP
issue-351	108	46	which	which	PRON
issue-351	108	47	the	the	DET
issue-351	108	48	client	client	NOUN
issue-351	108	49	has	have	VERB
issue-351	108	50	the	the	DET
issue-351	108	51	opportunity	opportunity	NOUN
issue-351	108	52	,	,	PUNCT
issue-351	108	53	directly	directly	ADV
issue-351	108	54	or	or	CCONJ
issue-351	108	55	indirectly	indirectly	ADV
issue-351	108	56	,	,	PUNCT
issue-351	108	57	to	to	PART
issue-351	108	58	conclude	conclude	VERB
issue-351	108	59	an	an	DET
issue-351	108	60	insurance	insurance	NOUN
issue-351	108	61	contract	contract	NOUN
issue-351	108	62	.	.	PUNCT
issue-351	109	1	the	the	DET
issue-351	109	2	law	law	NOUN
issue-351	109	3	on	on	ADP
issue-351	109	4	consumer	consumer	NOUN
issue-351	109	5	rights	right	NOUN
issue-351	109	6	dated	date	VERB
issue-351	109	7	30	30	NUM
issue-351	109	8	may	may	NOUN
issue-351	109	9	2014	2014	NUM
issue-351	109	10	provides	provide	VERB
issue-351	109	11	significant	significant	ADJ
issue-351	109	12	benefits	benefit	NOUN
issue-351	109	13	to	to	ADP
issue-351	109	14	online	online	ADJ
issue-351	109	15	financial	financial	ADJ
issue-351	109	16	services	service	NOUN
issue-351	109	17	’	'	PUNCT
issue-351	109	18	consumers	consumer	NOUN
issue-351	109	19	and	and	CCONJ
issue-351	109	20	facilitates	facilitate	VERB
issue-351	109	21	the	the	DET
issue-351	109	22	possibility	possibility	NOUN
issue-351	109	23	of	of	ADP
issue-351	109	24	termination	termination	NOUN
issue-351	109	25	table	table	NOUN
issue-351	109	26	1	1	NUM
issue-351	109	27	risk	risk	NOUN
issue-351	109	28	insurance	insurance	NOUN
issue-351	109	29	premium	premium	NOUN
issue-351	109	30	from	from	ADP
issue-351	109	31	direct	direct	ADJ
issue-351	109	32	sales	sale	NOUN
issue-351	109	33	and	and	CCONJ
issue-351	109	34	online	online	ADJ
issue-351	109	35	sales	sale	NOUN
issue-351	109	36	made	make	VERB
issue-351	109	37	in	in	ADP
issue-351	109	38	poland	poland	PROPN
issue-351	109	39	in	in	ADP
issue-351	109	40	the	the	DET
issue-351	109	41	years	year	NOUN
issue-351	109	42	of	of	ADP
issue-351	109	43	2005–2016	2005–2016	NUM
issue-351	109	44	years	year	NOUN
issue-351	109	45	total	total	ADJ
issue-351	109	46	premium	premium	NOUN
issue-351	109	47	on	on	ADP
issue-351	109	48	risk	risk	NOUN
issue-351	109	49	insurance	insurance	NOUN
issue-351	109	50	,	,	PUNCT
issue-351	109	51	direct	direct	ADJ
issue-351	109	52	sales	sale	NOUN
issue-351	109	53	(	(	PUNCT
issue-351	109	54	in	in	ADP
issue-351	109	55	thousand	thousand	NUM
issue-351	109	56	zł	zł	NOUN
issue-351	109	57	)	)	PUNCT
issue-351	109	58	chain	chain	NOUN
issue-351	109	59	dynamics	dynamic	NOUN
issue-351	109	60	(	(	PUNCT
issue-351	109	61	%	%	INTJ
issue-351	109	62	)	)	PUNCT
issue-351	109	63	risk	risk	NOUN
issue-351	109	64	insurance	insurance	NOUN
issue-351	109	65	premium	premium	NOUN
issue-351	109	66	received	receive	VERB
issue-351	109	67	from	from	ADP
issue-351	109	68	online	online	ADJ
issue-351	109	69	sales	sale	NOUN
issue-351	109	70	(	(	PUNCT
issue-351	109	71	in	in	ADP
issue-351	109	72	thousand	thousand	NUM
issue-351	109	73	zł	zł	NOUN
issue-351	109	74	)	)	PUNCT
issue-351	109	75	chain	chain	NOUN
issue-351	109	76	dynamics	dynamic	NOUN
issue-351	109	77	(	(	PUNCT
issue-351	109	78	%	%	INTJ
issue-351	109	79	)	)	PUNCT
issue-351	109	80	the	the	DET
issue-351	109	81	share	share	NOUN
issue-351	109	82	of	of	ADP
issue-351	109	83	the	the	DET
issue-351	109	84	premium	premium	NOUN
issue-351	109	85	from	from	ADP
issue-351	109	86	online	online	ADJ
issue-351	109	87	distribution	distribution	NOUN
issue-351	109	88	in	in	ADP
issue-351	109	89	the	the	DET
issue-351	109	90	total	total	ADJ
issue-351	109	91	amount	amount	NOUN
issue-351	109	92	of	of	ADP
issue-351	109	93	insurance	insurance	NOUN
issue-351	109	94	payments	payment	NOUN
issue-351	109	95	from	from	ADP
issue-351	109	96	direct	direct	ADJ
issue-351	109	97	sales	sale	NOUN
issue-351	109	98	(	(	PUNCT
issue-351	109	99	%	%	INTJ
issue-351	109	100	)	)	PUNCT
issue-351	109	101	2005	2005	NUM
issue-351	109	102	3775525	3775525	NUM
issue-351	109	103	100,00	100,00	NUM
issue-351	109	104	409	409	NUM
issue-351	109	105	100,00	100,00	NUM
issue-351	109	106	0,01	0,01	NUM
issue-351	109	107	2006	2006	NUM
issue-351	109	108	3781364	3781364	NUM
issue-351	109	109	112,54	112,54	NOUN
issue-351	109	110	1130	1130	NUM
issue-351	109	111	2012,41	2012,41	NUM
issue-351	109	112	0,03	0,03	NUM
issue-351	109	113	2007	2007	NUM
issue-351	109	114	4255589	4255589	NUM
issue-351	109	115	103,69	103,69	NUM
issue-351	109	116	22740	22740	NUM
issue-351	109	117	230,89	230,89	NUM
issue-351	109	118	0,53	0,53	NOUN
issue-351	109	119	2008	2008	NUM
issue-351	109	120	4412439	4412439	NUM
issue-351	109	121	84,89	84,89	NUM
issue-351	109	122	52506	52506	NUM
issue-351	109	123	155,48	155,48	NUM
issue-351	109	124	1,19	1,19	NUM
issue-351	109	125	2009	2009	NUM
issue-351	109	126	3745718	3745718	NUM
issue-351	109	127	92,22	92,22	NUM
issue-351	109	128	81638	81638	NUM
issue-351	109	129	121,45	121,45	NOUN
issue-351	109	130	2,18	2,18	NUM
issue-351	109	131	2010	2010	NUM
issue-351	109	132	3454481	3454481	NUM
issue-351	109	133	115,29	115,29	NOUN
issue-351	109	134	99151	99151	NUM
issue-351	109	135	118,88	118,88	NOUN
issue-351	109	136	2,87	2,87	NUM
issue-351	109	137	2011	2011	NUM
issue-351	109	138	3982654	3982654	NUM
issue-351	109	139	99,34	99,34	NUM
issue-351	109	140	117876	117876	NUM
issue-351	109	141	143,90	143,90	NUM
issue-351	109	142	2,96	2,96	NUM
issue-351	109	143	2012	2012	NUM
issue-351	109	144	3956239	3956239	NUM
issue-351	109	145	105,72	105,72	NUM
issue-351	109	146	169619	169619	NUM
issue-351	109	147	104,33	104,33	NOUN
issue-351	109	148	4,29	4,29	NUM
issue-351	109	149	2013	2013	NUM
issue-351	109	150	4182497	4182497	NUM
issue-351	109	151	94,75	94,75	NOUN
issue-351	109	152	176970	176970	NUM
issue-351	109	153	102,23	102,23	NOUN
issue-351	109	154	4,23	4,23	NUM
issue-351	109	155	2014	2014	NUM
issue-351	109	156	3962993	3962993	NUM
issue-351	109	157	71,00	71,00	NUM
issue-351	109	158	180915	180915	NUM
issue-351	109	159	107,78	107,78	NOUN
issue-351	109	160	4,57	4,57	NOUN
issue-351	109	161	2015	2015	NUM
issue-351	109	162	2813690	2813690	NUM
issue-351	109	163	117,56	117,56	NUM
issue-351	109	164	194996	194996	NUM
issue-351	109	165	294,37	294,37	PROPN
issue-351	110	1	6,93	6,93	NUM
issue-351	110	2	2016	2016	NUM
issue-351	110	3	3307731	3307731	NUM
issue-351	110	4	100,15	100,15	NOUN
issue-351	110	5	574011	574011	NUM
issue-351	110	6	276,28	276,28	NUM
issue-351	110	7	17,35	17,35	NUM
issue-351	110	8	source	source	NOUN
issue-351	110	9	:	:	PUNCT
issue-351	110	10	own	own	ADJ
issue-351	110	11	research	research	NOUN
issue-351	110	12	of	of	ADP
issue-351	110	13	knf	knf	PROPN
issue-351	110	14	baltic	baltic	PROPN
issue-351	110	15	journal	journal	PROPN
issue-351	110	16	of	of	ADP
issue-351	110	17	economic	economic	ADJ
issue-351	110	18	studies	study	NOUN
issue-351	110	19	199	199	NUM
issue-351	110	20	vol	vol	NOUN
issue-351	110	21	.	.	PROPN
issue-351	111	1	4	4	NUM
issue-351	111	2	,	,	PUNCT
issue-351	111	3	no	no	INTJ
issue-351	111	4	.	.	NOUN
issue-351	111	5	1	1	NUM
issue-351	111	6	,	,	PUNCT
issue-351	111	7	2018	2018	NUM
issue-351	111	8	of	of	ADP
issue-351	111	9	the	the	DET
issue-351	111	10	contract	contract	NOUN
issue-351	111	11	,	,	PUNCT
issue-351	111	12	which	which	PRON
issue-351	111	13	is	be	AUX
issue-351	111	14	important	important	ADJ
issue-351	111	15	from	from	ADP
issue-351	111	16	the	the	DET
issue-351	111	17	point	point	NOUN
issue-351	111	18	of	of	ADP
issue-351	111	19	view	view	NOUN
issue-351	111	20	of	of	ADP
issue-351	111	21	gaining	gain	VERB
issue-351	111	22	experience	experience	NOUN
issue-351	111	23	for	for	ADP
issue-351	111	24	ukraine	ukraine	NOUN
issue-351	111	25	,	,	PUNCT
issue-351	111	26	ensuring	ensure	VERB
issue-351	111	27	the	the	DET
issue-351	111	28	possibility	possibility	NOUN
issue-351	111	29	of	of	ADP
issue-351	111	30	rejecting	reject	VERB
issue-351	111	31	an	an	DET
issue-351	111	32	agreed	agree	VERB
issue-351	111	33	contract	contract	NOUN
issue-351	111	34	within	within	ADP
issue-351	111	35	30	30	NUM
issue-351	111	36	days	day	NOUN
issue-351	111	37	after	after	ADP
issue-351	111	38	its	its	PRON
issue-351	111	39	conclusion	conclusion	NOUN
issue-351	111	40	.	.	PUNCT
issue-351	112	1	in	in	ADP
issue-351	112	2	our	our	PRON
issue-351	112	3	opinion	opinion	NOUN
issue-351	112	4	,	,	PUNCT
issue-351	112	5	the	the	DET
issue-351	112	6	legal	legal	ADJ
issue-351	112	7	and	and	CCONJ
issue-351	112	8	regulatory	regulatory	ADJ
issue-351	112	9	framework	framework	NOUN
issue-351	112	10	that	that	PRON
issue-351	112	11	combines	combine	VERB
issue-351	112	12	the	the	DET
issue-351	112	13	legal	legal	ADJ
issue-351	112	14	force	force	NOUN
issue-351	112	15	of	of	ADP
issue-351	112	16	contracts	contract	NOUN
issue-351	112	17	and	and	CCONJ
issue-351	112	18	consumer	consumer	NOUN
issue-351	112	19	protection	protection	NOUN
issue-351	112	20	will	will	AUX
issue-351	112	21	promote	promote	VERB
issue-351	112	22	the	the	DET
issue-351	112	23	sale	sale	NOUN
issue-351	112	24	of	of	ADP
issue-351	112	25	online	online	ADJ
issue-351	112	26	insurance	insurance	NOUN
issue-351	112	27	products	product	NOUN
issue-351	112	28	in	in	ADP
issue-351	112	29	ukraine	ukraine	NOUN
issue-351	112	30	,	,	PUNCT
issue-351	112	31	as	as	SCONJ
issue-351	112	32	is	be	AUX
issue-351	112	33	the	the	DET
issue-351	112	34	case	case	NOUN
issue-351	112	35	in	in	ADP
issue-351	112	36	poland	poland	PROPN
issue-351	112	37	.	.	PUNCT
issue-351	113	1	in	in	ADP
issue-351	113	2	our	our	PRON
issue-351	113	3	opinion	opinion	NOUN
issue-351	113	4	,	,	PUNCT
issue-351	113	5	given	give	VERB
issue-351	113	6	the	the	DET
issue-351	113	7	noted	note	VERB
issue-351	113	8	experience	experience	NOUN
issue-351	113	9	of	of	ADP
issue-351	113	10	poland	poland	PROPN
issue-351	113	11	,	,	PUNCT
issue-351	113	12	there	there	PRON
issue-351	113	13	is	be	VERB
issue-351	113	14	a	a	DET
issue-351	113	15	need	need	NOUN
issue-351	113	16	to	to	PART
issue-351	113	17	streamline	streamline	VERB
issue-351	113	18	and	and	CCONJ
issue-351	113	19	substantially	substantially	ADV
issue-351	113	20	reform	reform	VERB
issue-351	113	21	the	the	DET
issue-351	113	22	current	current	ADJ
issue-351	113	23	legislation	legislation	NOUN
issue-351	113	24	in	in	ADP
issue-351	113	25	ukraine	ukraine	NOUN
issue-351	113	26	.	.	PUNCT
issue-351	114	1	positive	positive	ADJ
issue-351	114	2	is	be	AUX
issue-351	114	3	the	the	DET
issue-351	114	4	attempt	attempt	NOUN
issue-351	114	5	of	of	ADP
issue-351	114	6	regulation	regulation	NOUN
issue-351	114	7	at	at	ADP
issue-351	114	8	the	the	DET
issue-351	114	9	level	level	NOUN
issue-351	114	10	of	of	ADP
issue-351	114	11	the	the	DET
issue-351	114	12	national	national	PROPN
issue-351	114	13	commission	commission	PROPN
issue-351	114	14	’s	’s	PART
issue-351	114	15	order	order	NOUN
issue-351	114	16	,	,	PUNCT
issue-351	114	17	which	which	PRON
issue-351	114	18	carries	carry	VERB
issue-351	114	19	out	out	ADP
issue-351	114	20	state	state	NOUN
issue-351	114	21	regulation	regulation	NOUN
issue-351	114	22	in	in	ADP
issue-351	114	23	the	the	DET
issue-351	114	24	field	field	NOUN
issue-351	114	25	of	of	ADP
issue-351	114	26	financial	financial	ADJ
issue-351	114	27	services	service	NOUN
issue-351	114	28	markets	market	VERB
issue-351	114	29	№	№	NUM
issue-351	114	30	3631	3631	NUM
issue-351	114	31	dated	date	VERB
issue-351	114	32	august	august	PROPN
issue-351	114	33	31	31	NUM
issue-351	114	34	,	,	PUNCT
issue-351	114	35	2017	2017	NUM
issue-351	114	36	,	,	PUNCT
issue-351	114	37	“	"	PUNCT
issue-351	114	38	on	on	ADP
issue-351	114	39	approval	approval	NOUN
issue-351	114	40	of	of	ADP
issue-351	114	41	amendments	amendment	NOUN
issue-351	114	42	to	to	ADP
issue-351	114	43	the	the	DET
issue-351	114	44	regulation	regulation	NOUN
issue-351	114	45	on	on	ADP
issue-351	114	46	peculiarities	peculiarity	NOUN
issue-351	114	47	of	of	ADP
issue-351	114	48	concluding	conclude	VERB
issue-351	114	49	contracts	contract	NOUN
issue-351	114	50	of	of	ADP
issue-351	114	51	compulsory	compulsory	ADJ
issue-351	114	52	insurance	insurance	NOUN
issue-351	114	53	of	of	ADP
issue-351	114	54	civil	civil	ADJ
issue-351	114	55	liability	liability	NOUN
issue-351	114	56	of	of	ADP
issue-351	114	57	owners	owner	NOUN
issue-351	114	58	of	of	ADP
issue-351	114	59	land	land	NOUN
issue-351	114	60	vehicles	vehicle	NOUN
issue-351	114	61	,	,	PUNCT
issue-351	114	62	”	"	PUNCT
issue-351	114	63	according	accord	VERB
issue-351	114	64	to	to	ADP
issue-351	114	65	which	which	PRON
issue-351	114	66	since	since	SCONJ
issue-351	114	67	7	7	NUM
issue-351	114	68	february	february	NOUN
issue-351	114	69	2018	2018	NUM
issue-351	114	70	contracts	contract	NOUN
issue-351	114	71	of	of	ADP
issue-351	114	72	internal	internal	ADJ
issue-351	114	73	obligatory	obligatory	ADJ
issue-351	114	74	insurance	insurance	NOUN
issue-351	114	75	of	of	ADP
issue-351	114	76	civil	civil	ADJ
issue-351	114	77	liability	liability	NOUN
issue-351	114	78	of	of	ADP
issue-351	114	79	vehicle	vehicle	NOUN
issue-351	114	80	owners	owner	NOUN
issue-351	114	81	can	can	AUX
issue-351	114	82	be	be	AUX
issue-351	114	83	concluded	conclude	VERB
issue-351	114	84	in	in	ADP
issue-351	114	85	electronic	electronic	ADJ
issue-351	114	86	form	form	NOUN
issue-351	114	87	,	,	PUNCT
issue-351	114	88	which	which	PRON
issue-351	114	89	confirms	confirm	VERB
issue-351	114	90	the	the	DET
issue-351	114	91	significance	significance	NOUN
issue-351	114	92	of	of	ADP
issue-351	114	93	the	the	DET
issue-351	114	94	lag	lag	NOUN
issue-351	114	95	in	in	ADP
issue-351	114	96	the	the	DET
issue-351	114	97	development	development	NOUN
issue-351	114	98	of	of	ADP
issue-351	114	99	the	the	DET
issue-351	114	100	regulatory	regulatory	ADJ
issue-351	114	101	framework	framework	NOUN
issue-351	114	102	.	.	PUNCT
issue-351	115	1	confirmation	confirmation	NOUN
issue-351	115	2	of	of	ADP
issue-351	115	3	the	the	DET
issue-351	115	4	fact	fact	NOUN
issue-351	115	5	of	of	ADP
issue-351	115	6	its	its	PRON
issue-351	115	7	significant	significant	ADJ
issue-351	115	8	incapacity	incapacity	NOUN
issue-351	115	9	is	be	AUX
issue-351	115	10	the	the	DET
issue-351	115	11	first	first	ADJ
issue-351	115	12	fine	fine	NOUN
issue-351	115	13	for	for	ADP
issue-351	115	14	the	the	DET
issue-351	115	15	lack	lack	NOUN
issue-351	115	16	of	of	ADP
issue-351	115	17	an	an	DET
issue-351	115	18	insurance	insurance	NOUN
issue-351	115	19	policy	policy	NOUN
issue-351	115	20	of	of	ADP
issue-351	115	21	civil	civil	ADJ
issue-351	115	22	liability	liability	NOUN
issue-351	115	23	of	of	ADP
issue-351	115	24	the	the	DET
issue-351	115	25	vehicle	vehicle	NOUN
issue-351	115	26	owner	owner	NOUN
issue-351	115	27	issued	issue	VERB
issue-351	115	28	in	in	ADP
issue-351	115	29	late	late	ADJ
issue-351	115	30	february	february	PROPN
issue-351	115	31	2018	2018	NUM
issue-351	115	32	by	by	ADP
issue-351	115	33	representatives	representative	NOUN
issue-351	115	34	of	of	ADP
issue-351	115	35	the	the	DET
issue-351	115	36	police	police	NOUN
issue-351	115	37	of	of	ADP
issue-351	115	38	ukraine	ukraine	NOUN
issue-351	115	39	to	to	ADP
issue-351	115	40	the	the	DET
issue-351	115	41	owner	owner	NOUN
issue-351	115	42	of	of	ADP
issue-351	115	43	the	the	DET
issue-351	115	44	policy	policy	NOUN
issue-351	115	45	,	,	PUNCT
issue-351	115	46	purchased	purchase	VERB
issue-351	115	47	online	online	ADV
issue-351	115	48	.	.	PUNCT
issue-351	116	1	the	the	DET
issue-351	116	2	reason	reason	NOUN
issue-351	116	3	for	for	ADP
issue-351	116	4	the	the	DET
issue-351	116	5	fine	fine	NOUN
issue-351	116	6	is	be	AUX
issue-351	116	7	part	part	NOUN
issue-351	116	8	1	1	NUM
issue-351	116	9	of	of	ADP
issue-351	116	10	art	art	NOUN
issue-351	116	11	.	.	PUNCT
issue-351	117	1	126	126	NUM
issue-351	117	2	of	of	ADP
issue-351	117	3	the	the	DET
issue-351	117	4	code	code	NOUN
issue-351	117	5	of	of	ADP
issue-351	117	6	ukraine	ukraine	NOUN
issue-351	117	7	on	on	ADP
issue-351	117	8	administrative	administrative	ADJ
issue-351	117	9	offenses	offense	NOUN
issue-351	117	10	that	that	PRON
issue-351	117	11	for	for	SCONJ
issue-351	117	12	the	the	DET
issue-351	117	13	motor	motor	NOUN
issue-351	117	14	vehicle	vehicle	NOUN
issue-351	117	15	driving	drive	VERB
issue-351	117	16	by	by	ADP
issue-351	117	17	a	a	DET
issue-351	117	18	person	person	NOUN
issue-351	117	19	who	who	PRON
issue-351	117	20	does	do	AUX
issue-351	117	21	not	not	PART
issue-351	117	22	have	have	VERB
issue-351	117	23	a	a	DET
issue-351	117	24	policy	policy	NOUN
issue-351	117	25	(	(	PUNCT
issue-351	117	26	contract	contract	NOUN
issue-351	117	27	)	)	PUNCT
issue-351	117	28	with	with	ADP
issue-351	117	29	him	he	PRON
issue-351	117	30	,	,	PUNCT
issue-351	117	31	the	the	DET
issue-351	117	32	osago	osago	NOUN
issue-351	117	33	provides	provide	VERB
issue-351	117	34	for	for	ADP
issue-351	117	35	the	the	DET
issue-351	117	36	imposition	imposition	NOUN
issue-351	117	37	of	of	ADP
issue-351	117	38	a	a	DET
issue-351	117	39	fine	fine	NOUN
issue-351	117	40	of	of	ADP
issue-351	117	41	25	25	NUM
issue-351	117	42	non	non	ADJ
issue-351	117	43	-	-	ADJ
issue-351	117	44	taxable	taxable	ADJ
issue-351	117	45	minimum	minimum	NOUN
issue-351	117	46	incomes	income	NOUN
issue-351	117	47	of	of	ADP
issue-351	117	48	citizens	citizen	NOUN
issue-351	117	49	(	(	PUNCT
issue-351	117	50	kodeks	kodek	VERB
issue-351	117	51	ukrainy	ukrainy	ADJ
issue-351	117	52	pro	pro	X
issue-351	117	53	administratyvni	administratyvni	PROPN
issue-351	117	54	pravoporushennia	pravoporushennia	PROPN
issue-351	117	55	,	,	PUNCT
issue-351	117	56	2018	2018	NUM
issue-351	117	57	)	)	PUNCT
issue-351	117	58	.	.	PUNCT
issue-351	118	1	5	5	X
issue-351	118	2	.	.	PUNCT
issue-351	118	3	the	the	DET
issue-351	118	4	potential	potential	NOUN
issue-351	118	5	of	of	ADP
issue-351	118	6	mobile	mobile	ADJ
issue-351	118	7	applications	application	NOUN
issue-351	118	8	in	in	ADP
issue-351	118	9	the	the	DET
issue-351	118	10	process	process	NOUN
issue-351	118	11	of	of	ADP
issue-351	118	12	distribution	distribution	NOUN
issue-351	118	13	and	and	CCONJ
issue-351	118	14	provision	provision	NOUN
issue-351	118	15	of	of	ADP
issue-351	118	16	insurance	insurance	NOUN
issue-351	118	17	services	service	NOUN
issue-351	118	18	.	.	PUNCT
issue-351	119	1	however	however	ADV
issue-351	119	2	,	,	PUNCT
issue-351	119	3	the	the	DET
issue-351	119	4	number	number	NOUN
issue-351	119	5	of	of	ADP
issue-351	119	6	unquestionable	unquestionable	ADJ
issue-351	119	7	advantages	advantage	NOUN
issue-351	119	8	and	and	CCONJ
issue-351	119	9	opportunities	opportunity	NOUN
issue-351	119	10	,	,	PUNCT
issue-351	119	11	coupled	couple	VERB
issue-351	119	12	with	with	ADP
issue-351	119	13	significant	significant	ADJ
issue-351	119	14	internetization	internetization	NOUN
issue-351	119	15	of	of	ADP
issue-351	119	16	the	the	DET
issue-351	119	17	population	population	NOUN
issue-351	119	18	of	of	ADP
issue-351	119	19	ukraine	ukraine	NOUN
issue-351	119	20	in	in	ADP
issue-351	119	21	the	the	DET
issue-351	119	22	event	event	NOUN
issue-351	119	23	of	of	ADP
issue-351	119	24	significant	significant	ADJ
issue-351	119	25	reform	reform	NOUN
issue-351	119	26	of	of	ADP
issue-351	119	27	the	the	DET
issue-351	119	28	legislation	legislation	NOUN
issue-351	119	29	and	and	CCONJ
issue-351	119	30	updating	updating	NOUN
issue-351	119	31	of	of	ADP
issue-351	119	32	legal	legal	ADJ
issue-351	119	33	norms	norm	NOUN
issue-351	119	34	,	,	PUNCT
issue-351	119	35	will	will	AUX
issue-351	119	36	ensure	ensure	VERB
issue-351	119	37	a	a	DET
issue-351	119	38	steady	steady	ADJ
issue-351	119	39	growth	growth	NOUN
issue-351	119	40	in	in	ADP
issue-351	119	41	the	the	DET
issue-351	119	42	sales	sale	NOUN
issue-351	119	43	of	of	ADP
issue-351	119	44	insurance	insurance	NOUN
issue-351	119	45	through	through	ADP
issue-351	119	46	the	the	DET
issue-351	119	47	internet	internet	NOUN
issue-351	119	48	.	.	PUNCT
issue-351	120	1	with	with	ADP
issue-351	120	2	the	the	DET
issue-351	120	3	help	help	NOUN
issue-351	120	4	of	of	ADP
issue-351	120	5	a	a	DET
issue-351	120	6	smartphone	smartphone	NOUN
issue-351	120	7	,	,	PUNCT
issue-351	120	8	the	the	DET
issue-351	120	9	client	client	NOUN
issue-351	120	10	in	in	ADP
issue-351	120	11	poland	poland	PROPN
issue-351	120	12	has	have	VERB
issue-351	120	13	the	the	DET
issue-351	120	14	opportunity	opportunity	NOUN
issue-351	120	15	(	(	PUNCT
issue-351	120	16	kulik	kulik	NOUN
issue-351	120	17	,	,	PUNCT
issue-351	120	18	2015	2015	NUM
issue-351	120	19	;	;	PUNCT
issue-351	120	20	grzywaczewska	grzywaczewska	NOUN
issue-351	120	21	,	,	PUNCT
issue-351	120	22	2015	2015	NUM
issue-351	120	23	):	):	PUNCT
issue-351	120	24	•	•	NUM
issue-351	120	25	report	report	VERB
issue-351	120	26	an	an	DET
issue-351	120	27	insurance	insurance	NOUN
issue-351	120	28	case	case	NOUN
issue-351	120	29	•	•	NOUN
issue-351	120	30	call	call	NOUN
issue-351	120	31	for	for	ADP
issue-351	120	32	help	help	NOUN
issue-351	120	33	in	in	ADP
issue-351	120	34	the	the	DET
issue-351	120	35	event	event	NOUN
issue-351	120	36	of	of	ADP
issue-351	120	37	an	an	DET
issue-351	120	38	insured	insured	ADJ
issue-351	120	39	event	event	NOUN
issue-351	120	40	;	;	PUNCT
issue-351	120	41	•	•	NUM
issue-351	120	42	determine	determine	VERB
issue-351	120	43	the	the	DET
issue-351	120	44	accident	accident	NOUN
issue-351	120	45	location	location	NOUN
issue-351	120	46	using	use	VERB
issue-351	120	47	gps	gps	PROPN
issue-351	120	48	;	;	PUNCT
issue-351	120	49	•	•	ADV
issue-351	120	50	make	make	VERB
issue-351	120	51	a	a	DET
issue-351	120	52	telephone	telephone	NOUN
issue-351	120	53	call	call	NOUN
issue-351	120	54	to	to	ADP
issue-351	120	55	the	the	DET
issue-351	120	56	call	call	NOUN
issue-351	120	57	centre	centre	NOUN
issue-351	120	58	of	of	ADP
issue-351	120	59	the	the	DET
issue-351	120	60	insurer	insurer	NOUN
issue-351	120	61	;	;	PUNCT
issue-351	120	62	•	•	NUM
issue-351	120	63	examination	examination	NOUN
issue-351	120	64	by	by	ADP
issue-351	120	65	broadcasting	broadcast	VERB
issue-351	120	66	video	video	NOUN
issue-351	120	67	using	use	VERB
issue-351	120	68	a	a	DET
issue-351	120	69	mobile	mobile	ADJ
issue-351	120	70	application	application	NOUN
issue-351	120	71	on	on	ADP
issue-351	120	72	the	the	DET
issue-351	120	73	client	client	NOUN
issue-351	120	74	’s	’s	PART
issue-351	120	75	smartphone	smartphone	NOUN
issue-351	120	76	to	to	PART
issue-351	120	77	company	company	NOUN
issue-351	120	78	employees	employee	NOUN
issue-351	120	79	in	in	ADP
issue-351	120	80	an	an	DET
issue-351	120	81	office	office	NOUN
issue-351	120	82	that	that	PRON
issue-351	120	83	has	have	VERB
issue-351	120	84	the	the	DET
issue-351	120	85	ability	ability	NOUN
issue-351	120	86	to	to	PART
issue-351	120	87	remotely	remotely	ADV
issue-351	120	88	assess	assess	VERB
issue-351	120	89	the	the	DET
issue-351	120	90	damage	damage	NOUN
issue-351	120	91	;	;	PUNCT
issue-351	120	92	•	•	NUM
issue-351	120	93	maintenance	maintenance	NOUN
issue-351	120	94	of	of	ADP
issue-351	120	95	damage	damage	NOUN
issue-351	120	96	;	;	PUNCT
issue-351	120	97	•	•	NUM
issue-351	120	98	make	make	VERB
issue-351	120	99	and	and	CCONJ
issue-351	120	100	send	send	VERB
issue-351	120	101	photos	photo	NOUN
issue-351	120	102	of	of	ADP
issue-351	120	103	the	the	DET
issue-351	120	104	damage	damage	NOUN
issue-351	120	105	;	;	PUNCT
issue-351	120	106	•	•	X
issue-351	120	107	record	record	NOUN
issue-351	120	108	a	a	DET
issue-351	120	109	review	review	NOUN
issue-351	120	110	of	of	ADP
issue-351	120	111	the	the	DET
issue-351	120	112	damage	damage	NOUN
issue-351	120	113	to	to	ADP
issue-351	120	114	the	the	DET
issue-351	120	115	video	video	NOUN
issue-351	120	116	through	through	ADP
issue-351	120	117	a	a	DET
issue-351	120	118	mobile	mobile	ADJ
issue-351	120	119	application	application	NOUN
issue-351	120	120	;	;	PUNCT
issue-351	120	121	•	•	NUM
issue-351	120	122	track	track	VERB
issue-351	120	123	the	the	DET
issue-351	120	124	processing	processing	NOUN
issue-351	120	125	of	of	ADP
issue-351	120	126	a	a	DET
issue-351	120	127	case	case	NOUN
issue-351	120	128	with	with	ADP
issue-351	120	129	a	a	DET
issue-351	120	130	mobile	mobile	ADJ
issue-351	120	131	application	application	NOUN
issue-351	120	132	;	;	PUNCT
issue-351	120	133	•	•	NUM
issue-351	120	134	appeal	appeal	VERB
issue-351	120	135	the	the	DET
issue-351	120	136	insurer	insurer	NOUN
issue-351	120	137	’s	’s	PART
issue-351	120	138	decision	decision	NOUN
issue-351	120	139	.	.	PUNCT
issue-351	121	1	in	in	ADP
issue-351	121	2	fact	fact	NOUN
issue-351	121	3	,	,	PUNCT
issue-351	121	4	the	the	DET
issue-351	121	5	functionality	functionality	NOUN
issue-351	121	6	of	of	ADP
issue-351	121	7	mobile	mobile	ADJ
issue-351	121	8	applications	application	NOUN
issue-351	121	9	is	be	AUX
issue-351	121	10	increasingly	increasingly	ADV
issue-351	121	11	underlying	underlie	VERB
issue-351	121	12	the	the	DET
issue-351	121	13	choice	choice	NOUN
issue-351	121	14	of	of	ADP
issue-351	121	15	customers	customer	NOUN
issue-351	121	16	.	.	PUNCT
issue-351	122	1	for	for	ADP
issue-351	122	2	the	the	DET
issue-351	122	3	benefit	benefit	NOUN
issue-351	122	4	of	of	ADP
issue-351	122	5	mobile	mobile	ADJ
issue-351	122	6	applications	application	NOUN
issue-351	122	7	,	,	PUNCT
issue-351	122	8	it	it	PRON
issue-351	122	9	is	be	AUX
issue-351	122	10	worth	worth	ADJ
issue-351	122	11	recognizing	recognize	VERB
issue-351	122	12	the	the	DET
issue-351	122	13	fact	fact	NOUN
issue-351	122	14	that	that	SCONJ
issue-351	122	15	they	they	PRON
issue-351	122	16	allow	allow	VERB
issue-351	122	17	using	use	VERB
issue-351	122	18	an	an	DET
issue-351	122	19	insurance	insurance	NOUN
issue-351	122	20	product	product	NOUN
issue-351	122	21	,	,	PUNCT
issue-351	122	22	both	both	CCONJ
issue-351	122	23	at	at	ADP
issue-351	122	24	home	home	NOUN
issue-351	122	25	and	and	CCONJ
issue-351	122	26	abroad	abroad	ADV
issue-351	122	27	,	,	PUNCT
issue-351	122	28	which	which	PRON
issue-351	122	29	is	be	AUX
issue-351	122	30	important	important	ADJ
issue-351	122	31	for	for	ADP
issue-351	122	32	the	the	DET
issue-351	122	33	development	development	NOUN
issue-351	122	34	of	of	ADP
issue-351	122	35	travel	travel	NOUN
issue-351	122	36	insurance	insurance	NOUN
issue-351	122	37	(	(	PUNCT
issue-351	122	38	volosovych	volosovych	PROPN
issue-351	122	39	,	,	PUNCT
issue-351	122	40	klapkiv	klapkiv	NOUN
issue-351	122	41	,	,	PUNCT
issue-351	122	42	2016	2016	NUM
issue-351	122	43	)	)	PUNCT
issue-351	122	44	.	.	PUNCT
issue-351	123	1	in	in	ADP
issue-351	123	2	ukraine	ukraine	NOUN
issue-351	123	3	,	,	PUNCT
issue-351	123	4	over	over	ADP
issue-351	123	5	the	the	DET
issue-351	123	6	lack	lack	NOUN
issue-351	123	7	of	of	ADP
issue-351	123	8	relevant	relevant	ADJ
issue-351	123	9	legislation	legislation	NOUN
issue-351	123	10	,	,	PUNCT
issue-351	123	11	the	the	DET
issue-351	123	12	insurers	insurer	NOUN
issue-351	123	13	’	’	PART
issue-351	123	14	actions	action	NOUN
issue-351	123	15	regarding	regard	VERB
issue-351	123	16	mobile	mobile	ADJ
issue-351	123	17	applications	application	NOUN
issue-351	123	18	are	be	AUX
issue-351	123	19	somewhat	somewhat	ADV
issue-351	123	20	limited	limited	ADJ
issue-351	123	21	and	and	CCONJ
issue-351	123	22	go	go	VERB
issue-351	123	23	beyond	beyond	ADP
issue-351	123	24	the	the	DET
issue-351	123	25	scope	scope	NOUN
issue-351	123	26	of	of	ADP
issue-351	123	27	insurance	insurance	NOUN
issue-351	123	28	activity	activity	NOUN
issue-351	123	29	,	,	PUNCT
issue-351	123	30	the	the	DET
issue-351	123	31	pzu	pzu	NOUN
issue-351	123	32	developed	develop	VERB
issue-351	123	33	the	the	DET
issue-351	123	34	call	call	NOUN
issue-351	123	35	&	&	CCONJ
issue-351	123	36	travel	travel	PROPN
issue-351	123	37	pzu	pzu	PROPN
issue-351	123	38	application	application	NOUN
issue-351	123	39	,	,	PUNCT
issue-351	123	40	more	more	ADV
issue-351	123	41	informative	informative	ADJ
issue-351	123	42	as	as	ADP
issue-351	123	43	functional	functional	ADJ
issue-351	123	44	content	content	NOUN
issue-351	123	45	,	,	PUNCT
issue-351	123	46	to	to	PART
issue-351	123	47	support	support	VERB
issue-351	123	48	travel	travel	NOUN
issue-351	123	49	abroad	abroad	ADV
issue-351	123	50	.	.	PUNCT
issue-351	124	1	in	in	ADP
issue-351	124	2	fact	fact	NOUN
issue-351	124	3	,	,	PUNCT
issue-351	124	4	the	the	DET
issue-351	124	5	main	main	ADJ
issue-351	124	6	advantage	advantage	NOUN
issue-351	124	7	of	of	ADP
issue-351	124	8	this	this	DET
issue-351	124	9	application	application	NOUN
issue-351	124	10	is	be	AUX
issue-351	124	11	the	the	DET
issue-351	124	12	possibility	possibility	NOUN
issue-351	124	13	of	of	ADP
issue-351	124	14	prompt	prompt	ADJ
issue-351	124	15	and	and	CCONJ
issue-351	124	16	free	free	ADJ
issue-351	124	17	communication	communication	NOUN
issue-351	124	18	with	with	ADP
issue-351	124	19	the	the	DET
issue-351	124	20	contact	contact	NOUN
issue-351	124	21	centre	centre	NOUN
issue-351	124	22	of	of	ADP
issue-351	124	23	the	the	DET
issue-351	124	24	assisting	assist	VERB
issue-351	124	25	company	company	NOUN
issue-351	124	26	.	.	PUNCT
issue-351	125	1	the	the	DET
issue-351	125	2	rest	rest	NOUN
issue-351	125	3	of	of	ADP
issue-351	125	4	the	the	DET
issue-351	125	5	functions	function	NOUN
issue-351	125	6	are	be	AUX
issue-351	125	7	informational	informational	ADJ
issue-351	125	8	:	:	PUNCT
issue-351	125	9	•	•	NUM
issue-351	125	10	information	information	NOUN
issue-351	125	11	about	about	ADP
issue-351	125	12	the	the	DET
issue-351	125	13	addresses	address	NOUN
issue-351	125	14	and	and	CCONJ
issue-351	125	15	telephone	telephone	NOUN
issue-351	125	16	numbers	number	NOUN
issue-351	125	17	of	of	ADP
issue-351	125	18	medical	medical	ADJ
issue-351	125	19	centres	centre	NOUN
issue-351	125	20	in	in	ADP
issue-351	125	21	the	the	DET
issue-351	125	22	area	area	NOUN
issue-351	125	23	of	of	ADP
issue-351	125	24	their	their	PRON
issue-351	125	25	location	location	NOUN
issue-351	125	26	;	;	PUNCT
issue-351	125	27	•	•	ADP
issue-351	125	28	an	an	DET
issue-351	125	29	opportunity	opportunity	NOUN
issue-351	125	30	to	to	PART
issue-351	125	31	photograph	photograph	VERB
issue-351	125	32	the	the	DET
issue-351	125	33	necessary	necessary	ADJ
issue-351	125	34	documents	document	NOUN
issue-351	125	35	(	(	PUNCT
issue-351	125	36	insurance	insurance	NOUN
issue-351	125	37	policy	policy	NOUN
issue-351	125	38	,	,	PUNCT
issue-351	125	39	passport	passport	NOUN
issue-351	125	40	,	,	PUNCT
issue-351	125	41	etc	etc	X
issue-351	125	42	.	.	X
issue-351	125	43	)	)	PUNCT
issue-351	125	44	and	and	CCONJ
issue-351	125	45	send	send	VERB
issue-351	125	46	them	they	PRON
issue-351	125	47	directly	directly	ADV
issue-351	125	48	to	to	ADP
issue-351	125	49	the	the	DET
issue-351	125	50	assisting	assist	VERB
issue-351	125	51	company	company	NOUN
issue-351	125	52	;	;	PUNCT
issue-351	125	53	•	•	ADP
issue-351	125	54	a	a	DET
issue-351	125	55	description	description	NOUN
issue-351	125	56	of	of	ADP
issue-351	125	57	“	"	PUNCT
issue-351	125	58	first	first	ADJ
issue-351	125	59	-	-	PUNCT
issue-351	125	60	aid	aid	NOUN
issue-351	125	61	kit	kit	NOUN
issue-351	125	62	”	"	PUNCT
issue-351	125	63	with	with	ADP
issue-351	125	64	the	the	DET
issue-351	125	65	medicines	medicine	NOUN
issue-351	125	66	necessary	necessary	ADJ
issue-351	125	67	for	for	ADP
issue-351	125	68	any	any	DET
issue-351	125	69	trip	trip	NOUN
issue-351	125	70	;	;	PUNCT
issue-351	125	71	•	•	NUM
issue-351	125	72	a	a	DET
issue-351	125	73	first	first	ADJ
issue-351	125	74	aid	aid	NOUN
issue-351	125	75	guide	guide	NOUN
issue-351	125	76	describing	describe	VERB
issue-351	125	77	the	the	DET
issue-351	125	78	main	main	ADJ
issue-351	125	79	diseases	disease	NOUN
issue-351	125	80	for	for	ADP
issue-351	125	81	adults	adult	NOUN
issue-351	125	82	and	and	CCONJ
issue-351	125	83	children	child	NOUN
issue-351	125	84	;	;	PUNCT
issue-351	125	85	•	•	ADP
issue-351	125	86	a	a	DET
issue-351	125	87	medical	medical	ADJ
issue-351	125	88	phrasebook	phrasebook	NOUN
issue-351	125	89	in	in	ADP
issue-351	125	90	several	several	ADJ
issue-351	125	91	foreign	foreign	ADJ
issue-351	125	92	languages	language	NOUN
issue-351	125	93	;	;	PUNCT
issue-351	125	94	•	•	NUM
issue-351	125	95	information	information	NOUN
issue-351	125	96	on	on	ADP
issue-351	125	97	insurance	insurance	NOUN
issue-351	125	98	rules	rule	NOUN
issue-351	125	99	and	and	CCONJ
issue-351	125	100	policies	policy	NOUN
issue-351	125	101	;	;	PUNCT
issue-351	125	102	•	•	NUM
issue-351	125	103	current	current	ADJ
issue-351	125	104	news	news	NOUN
issue-351	125	105	,	,	PUNCT
issue-351	125	106	information	information	NOUN
issue-351	125	107	about	about	ADP
issue-351	125	108	the	the	DET
issue-351	125	109	events	event	NOUN
issue-351	125	110	held	hold	VERB
issue-351	125	111	in	in	ADP
issue-351	125	112	pzu	pzu	PROPN
issue-351	125	113	.	.	PUNCT
issue-351	126	1	mobile	mobile	ADJ
issue-351	126	2	applications	application	NOUN
issue-351	126	3	combine	combine	VERB
issue-351	126	4	the	the	DET
issue-351	126	5	benefits	benefit	NOUN
issue-351	126	6	of	of	ADP
issue-351	126	7	using	use	VERB
issue-351	126	8	the	the	DET
issue-351	126	9	internet	internet	NOUN
issue-351	126	10	with	with	ADP
issue-351	126	11	a	a	DET
issue-351	126	12	computer	computer	NOUN
issue-351	126	13	or	or	CCONJ
issue-351	126	14	smartphone	smartphone	NOUN
issue-351	126	15	in	in	ADP
issue-351	126	16	one	one	NUM
issue-351	126	17	place	place	NOUN
issue-351	126	18	.	.	PUNCT
issue-351	127	1	true	true	ADJ
issue-351	127	2	,	,	PUNCT
issue-351	127	3	they	they	PRON
issue-351	127	4	are	be	AUX
issue-351	127	5	not	not	PART
issue-351	127	6	the	the	DET
issue-351	127	7	optimal	optimal	ADJ
issue-351	127	8	channel	channel	NOUN
issue-351	127	9	of	of	ADP
issue-351	127	10	contact	contact	NOUN
issue-351	127	11	,	,	PUNCT
issue-351	127	12	but	but	CCONJ
issue-351	127	13	it	it	PRON
issue-351	127	14	is	be	AUX
issue-351	127	15	noticeable	noticeable	ADJ
issue-351	127	16	that	that	SCONJ
issue-351	127	17	for	for	ADP
issue-351	127	18	clients	client	NOUN
issue-351	127	19	,	,	PUNCT
issue-351	127	20	they	they	PRON
issue-351	127	21	represent	represent	VERB
issue-351	127	22	all	all	DET
issue-351	127	23	the	the	DET
issue-351	127	24	more	more	ADV
issue-351	127	25	important	important	ADJ
issue-351	127	26	value	value	NOUN
issue-351	127	27	precisely	precisely	ADV
issue-351	127	28	with	with	ADP
issue-351	127	29	respect	respect	NOUN
issue-351	127	30	to	to	ADP
issue-351	127	31	property	property	NOUN
issue-351	127	32	insurance	insurance	NOUN
issue-351	127	33	products	product	NOUN
issue-351	127	34	with	with	ADP
issue-351	127	35	a	a	DET
issue-351	127	36	high	high	ADJ
issue-351	127	37	frequency	frequency	NOUN
issue-351	127	38	of	of	ADP
issue-351	127	39	minor	minor	ADJ
issue-351	127	40	damages	damage	NOUN
issue-351	127	41	.	.	PUNCT
issue-351	128	1	according	accord	VERB
issue-351	128	2	to	to	ADP
issue-351	128	3	kpmg	kpmg	PROPN
issue-351	128	4	research	research	PROPN
issue-351	128	5	(	(	PUNCT
issue-351	128	6	kpmg	kpmg	PROPN
issue-351	128	7	,	,	PUNCT
issue-351	128	8	2016	2016	NUM
issue-351	128	9	)	)	PUNCT
issue-351	128	10	,	,	PUNCT
issue-351	128	11	most	most	ADJ
issue-351	128	12	customers	customer	NOUN
issue-351	128	13	would	would	AUX
issue-351	128	14	like	like	VERB
issue-351	128	15	to	to	PART
issue-351	128	16	have	have	VERB
issue-351	128	17	an	an	DET
issue-351	128	18	access	access	NOUN
issue-351	128	19	to	to	ADP
issue-351	128	20	potential	potential	ADJ
issue-351	128	21	features	feature	NOUN
issue-351	128	22	of	of	ADP
issue-351	128	23	the	the	DET
issue-351	128	24	insurance	insurance	NOUN
issue-351	128	25	company	company	NOUN
issue-351	128	26	’s	’s	PART
issue-351	128	27	program	program	NOUN
issue-351	128	28	.	.	PUNCT
issue-351	129	1	the	the	DET
issue-351	129	2	question	question	NOUN
issue-351	129	3	then	then	ADV
issue-351	129	4	arises	arise	VERB
issue-351	129	5	as	as	ADP
issue-351	129	6	to	to	ADP
issue-351	129	7	how	how	SCONJ
issue-351	129	8	insurers	insurer	NOUN
issue-351	129	9	will	will	AUX
issue-351	129	10	respond	respond	VERB
issue-351	129	11	to	to	ADP
issue-351	129	12	consumer	consumer	NOUN
issue-351	129	13	expectations	expectation	NOUN
issue-351	129	14	and	and	CCONJ
issue-351	129	15	their	their	PRON
issue-351	129	16	desire	desire	NOUN
issue-351	129	17	to	to	PART
issue-351	129	18	get	get	VERB
issue-351	129	19	a	a	DET
issue-351	129	20	new	new	ADJ
issue-351	129	21	product	product	NOUN
issue-351	129	22	service	service	NOUN
issue-351	129	23	channel	channel	NOUN
issue-351	129	24	and	and	CCONJ
issue-351	129	25	contact	contact	NOUN
issue-351	129	26	with	with	ADP
issue-351	129	27	the	the	DET
issue-351	129	28	company	company	NOUN
issue-351	129	29	.	.	PUNCT
issue-351	130	1	a	a	DET
issue-351	130	2	system	system	NOUN
issue-351	130	3	of	of	ADP
issue-351	130	4	direct	direct	ADJ
issue-351	130	5	elimination	elimination	NOUN
issue-351	130	6	of	of	ADP
issue-351	130	7	losses	loss	NOUN
issue-351	130	8	is	be	AUX
issue-351	130	9	in	in	ADP
issue-351	130	10	great	great	ADJ
issue-351	130	11	demand	demand	NOUN
issue-351	130	12	.	.	PUNCT
issue-351	131	1	this	this	DET
issue-351	131	2	system	system	NOUN
issue-351	131	3	allows	allow	VERB
issue-351	131	4	compensation	compensation	NOUN
issue-351	131	5	for	for	ADP
issue-351	131	6	losses	loss	NOUN
issue-351	131	7	in	in	ADP
issue-351	131	8	an	an	DET
issue-351	131	9	insurance	insurance	NOUN
issue-351	131	10	company	company	NOUN
issue-351	131	11	,	,	PUNCT
issue-351	131	12	in	in	ADP
issue-351	131	13	which	which	PRON
issue-351	131	14	the	the	DET
issue-351	131	15	victim	victim	NOUN
issue-351	131	16	has	have	VERB
issue-351	131	17	an	an	DET
issue-351	131	18	insurance	insurance	NOUN
issue-351	131	19	policy	policy	NOUN
issue-351	131	20	of	of	ADP
issue-351	131	21	osago	osago	NOUN
issue-351	131	22	,	,	PUNCT
issue-351	131	23	and	and	CCONJ
issue-351	131	24	not	not	PART
issue-351	131	25	as	as	ADP
issue-351	131	26	before	before	ADP
issue-351	131	27	 	 	SPACE
issue-351	131	28	–	–	PUNCT
issue-351	131	29	from	from	ADP
issue-351	131	30	the	the	DET
issue-351	131	31	insurer	insurer	NOUN
issue-351	131	32	,	,	PUNCT
issue-351	131	33	who	who	PRON
issue-351	131	34	has	have	AUX
issue-351	131	35	insured	insure	VERB
issue-351	131	36	the	the	DET
issue-351	131	37	responsibility	responsibility	NOUN
issue-351	131	38	of	of	ADP
issue-351	131	39	the	the	DET
issue-351	131	40	perpetrator	perpetrator	NOUN
issue-351	131	41	of	of	ADP
issue-351	131	42	the	the	DET
issue-351	131	43	damage	damage	NOUN
issue-351	131	44	(	(	PUNCT
issue-351	131	45	bednarczyk	bednarczyk	NOUN
issue-351	131	46	,	,	PUNCT
issue-351	131	47	jańska	jańska	NOUN
issue-351	131	48	,	,	PUNCT
issue-351	131	49	2015	2015	NUM
issue-351	131	50	,	,	PUNCT
issue-351	131	51	s.	s.	PROPN
issue-351	131	52	49	49	NUM
issue-351	131	53	)	)	PUNCT
issue-351	131	54	.	.	PUNCT
issue-351	132	1	this	this	DET
issue-351	132	2	system	system	NOUN
issue-351	132	3	is	be	AUX
issue-351	132	4	presented	present	VERB
issue-351	132	5	in	in	ADP
issue-351	132	6	the	the	DET
issue-351	132	7	offer	offer	NOUN
issue-351	132	8	of	of	ADP
issue-351	132	9	insurance	insurance	NOUN
issue-351	132	10	companies	company	NOUN
issue-351	132	11	of	of	ADP
issue-351	132	12	ukraine	ukraine	PROPN
issue-351	132	13	and	and	CCONJ
issue-351	132	14	poland	poland	PROPN
issue-351	132	15	.	.	PUNCT
issue-351	133	1	increasingly	increasingly	ADV
issue-351	133	2	,	,	PUNCT
issue-351	133	3	it	it	PRON
issue-351	133	4	is	be	AUX
issue-351	133	5	the	the	DET
issue-351	133	6	functionality	functionality	NOUN
issue-351	133	7	of	of	ADP
issue-351	133	8	mobile	mobile	ADJ
issue-351	133	9	applications	application	NOUN
issue-351	133	10	that	that	PRON
issue-351	133	11	is	be	AUX
issue-351	133	12	the	the	DET
issue-351	133	13	basis	basis	NOUN
issue-351	133	14	of	of	ADP
issue-351	133	15	customer	customer	NOUN
issue-351	133	16	choice	choice	NOUN
issue-351	133	17	.	.	PUNCT
issue-351	134	1	on	on	ADP
issue-351	134	2	this	this	DET
issue-351	134	3	basis	basis	NOUN
issue-351	134	4	,	,	PUNCT
issue-351	134	5	it	it	PRON
issue-351	134	6	can	can	AUX
issue-351	134	7	be	be	AUX
issue-351	134	8	assumed	assume	VERB
issue-351	134	9	that	that	SCONJ
issue-351	134	10	in	in	ADP
issue-351	134	11	the	the	DET
issue-351	134	12	coming	coming	ADJ
issue-351	134	13	years	year	NOUN
issue-351	134	14	,	,	PUNCT
issue-351	134	15	baltic	baltic	ADJ
issue-351	134	16	journal	journal	PROPN
issue-351	134	17	of	of	ADP
issue-351	134	18	economic	economic	ADJ
issue-351	134	19	studies	study	NOUN
issue-351	134	20	200	200	NUM
issue-351	134	21	vol	vol	NOUN
issue-351	134	22	.	.	PUNCT
issue-351	135	1	4	4	NUM
issue-351	135	2	,	,	PUNCT
issue-351	135	3	no	no	INTJ
issue-351	135	4	.	.	NOUN
issue-351	135	5	1	1	NUM
issue-351	135	6	,	,	PUNCT
issue-351	135	7	2018	2018	NUM
issue-351	135	8	the	the	DET
issue-351	135	9	applications	application	NOUN
issue-351	135	10	that	that	PRON
issue-351	135	11	are	be	AUX
issue-351	135	12	installed	instal	VERB
issue-351	135	13	on	on	ADP
issue-351	135	14	smartphones	smartphone	NOUN
issue-351	135	15	will	will	AUX
issue-351	135	16	become	become	VERB
issue-351	135	17	very	very	ADV
issue-351	135	18	popular	popular	ADJ
issue-351	135	19	.	.	PUNCT
issue-351	136	1	in	in	ADP
issue-351	136	2	most	most	ADJ
issue-351	136	3	cases	case	NOUN
issue-351	136	4	,	,	PUNCT
issue-351	136	5	they	they	PRON
issue-351	136	6	are	be	AUX
issue-351	136	7	faster	fast	ADJ
issue-351	136	8	than	than	ADP
issue-351	136	9	mobile	mobile	ADJ
issue-351	136	10	websites	website	NOUN
issue-351	136	11	that	that	PRON
issue-351	136	12	require	require	VERB
issue-351	136	13	the	the	DET
issue-351	136	14	input	input	NOUN
issue-351	136	15	of	of	ADP
issue-351	136	16	data	datum	NOUN
issue-351	136	17	every	every	DET
issue-351	136	18	time	time	NOUN
issue-351	136	19	.	.	PUNCT
issue-351	137	1	taking	take	VERB
issue-351	137	2	into	into	ADP
issue-351	137	3	account	account	NOUN
issue-351	137	4	the	the	DET
issue-351	137	5	analysis	analysis	NOUN
issue-351	137	6	of	of	ADP
issue-351	137	7	the	the	DET
issue-351	137	8	options	option	NOUN
issue-351	137	9	available	available	ADJ
issue-351	137	10	in	in	ADP
issue-351	137	11	ukraine	ukraine	PROPN
issue-351	137	12	and	and	CCONJ
issue-351	137	13	the	the	DET
issue-351	137	14	republic	republic	NOUN
issue-351	137	15	of	of	ADP
issue-351	137	16	poland	poland	PROPN
issue-351	137	17	in	in	ADP
issue-351	137	18	mobile	mobile	ADJ
issue-351	137	19	applications	application	NOUN
issue-351	137	20	of	of	ADP
issue-351	137	21	insurers	insurer	NOUN
issue-351	137	22	compared	compare	VERB
issue-351	137	23	to	to	ADP
issue-351	137	24	the	the	DET
issue-351	137	25	opportunities	opportunity	NOUN
issue-351	137	26	offered	offer	VERB
issue-351	137	27	by	by	ADP
issue-351	137	28	mobile	mobile	ADJ
issue-351	137	29	applications	application	NOUN
issue-351	137	30	to	to	ADP
issue-351	137	31	western	western	ADJ
issue-351	137	32	european	european	ADJ
issue-351	137	33	clients	client	NOUN
issue-351	137	34	(	(	PUNCT
issue-351	137	35	table	table	NOUN
issue-351	137	36	2	2	NUM
issue-351	137	37	)	)	PUNCT
issue-351	137	38	,	,	PUNCT
issue-351	137	39	one	one	PRON
issue-351	137	40	can	can	AUX
issue-351	137	41	note	note	VERB
issue-351	137	42	that	that	SCONJ
issue-351	137	43	not	not	PART
issue-351	137	44	all	all	DET
issue-351	137	45	the	the	DET
issue-351	137	46	technical	technical	ADJ
issue-351	137	47	capabilities	capability	NOUN
issue-351	137	48	of	of	ADP
issue-351	137	49	the	the	DET
issue-351	137	50	program	program	NOUN
issue-351	137	51	are	be	AUX
issue-351	137	52	used	use	VERB
issue-351	137	53	yet	yet	ADV
issue-351	137	54	in	in	ADP
issue-351	137	55	poland	poland	PROPN
issue-351	137	56	and	and	CCONJ
issue-351	137	57	a	a	DET
issue-351	137	58	significant	significant	ADJ
issue-351	137	59	reform	reform	NOUN
issue-351	137	60	of	of	ADP
issue-351	137	61	the	the	DET
issue-351	137	62	current	current	ADJ
issue-351	137	63	legislation	legislation	NOUN
issue-351	137	64	is	be	AUX
issue-351	137	65	required	require	VERB
issue-351	137	66	for	for	ADP
issue-351	137	67	its	its	PRON
issue-351	137	68	use	use	NOUN
issue-351	137	69	in	in	ADP
issue-351	137	70	ukraine	ukraine	NOUN
issue-351	137	71	.	.	PUNCT
issue-351	138	1	at	at	ADP
issue-351	138	2	the	the	DET
issue-351	138	3	same	same	ADJ
issue-351	138	4	time	time	NOUN
issue-351	138	5	,	,	PUNCT
issue-351	138	6	effective	effective	ADJ
issue-351	138	7	innovations	innovation	NOUN
issue-351	138	8	in	in	ADP
issue-351	138	9	the	the	DET
issue-351	138	10	insurance	insurance	NOUN
issue-351	138	11	sector	sector	NOUN
issue-351	138	12	are	be	AUX
issue-351	138	13	copied	copy	VERB
issue-351	138	14	by	by	ADP
issue-351	138	15	companies	company	NOUN
issue-351	138	16	in	in	ADP
issue-351	138	17	the	the	DET
issue-351	138	18	competition	competition	NOUN
issue-351	138	19	for	for	ADP
issue-351	138	20	half	half	DET
issue-351	138	21	a	a	PRON
issue-351	138	22	year	year	NOUN
issue-351	138	23	(	(	PUNCT
issue-351	138	24	klapkiv	klapkiv	NOUN
issue-351	138	25	,	,	PUNCT
issue-351	138	26	2003	2003	NUM
issue-351	138	27	)	)	PUNCT
issue-351	138	28	,	,	PUNCT
issue-351	138	29	what	what	PRON
issue-351	138	30	,	,	PUNCT
issue-351	138	31	in	in	ADP
issue-351	138	32	this	this	DET
issue-351	138	33	respect	respect	NOUN
issue-351	138	34	,	,	PUNCT
issue-351	138	35	is	be	AUX
issue-351	138	36	in	in	ADP
issue-351	138	37	favour	favour	NOUN
issue-351	138	38	of	of	ADP
issue-351	138	39	the	the	DET
issue-351	138	40	development	development	NOUN
issue-351	138	41	of	of	ADP
issue-351	138	42	online	online	ADJ
issue-351	138	43	distribution	distribution	NOUN
issue-351	138	44	of	of	ADP
issue-351	138	45	civil	civil	ADJ
issue-351	138	46	liability	liability	NOUN
issue-351	138	47	services	service	NOUN
issue-351	138	48	for	for	ADP
issue-351	138	49	vehicle	vehicle	NOUN
issue-351	138	50	owners	owner	NOUN
issue-351	138	51	in	in	ADP
issue-351	138	52	ukraine	ukraine	PROPN
issue-351	138	53	and	and	CCONJ
issue-351	138	54	poland	poland	PROPN
issue-351	138	55	.	.	PUNCT
issue-351	139	1	the	the	DET
issue-351	139	2	foregoing	foregoing	NOUN
issue-351	139	3	allows	allow	VERB
issue-351	139	4	predicting	predict	VERB
issue-351	139	5	the	the	DET
issue-351	139	6	rapid	rapid	ADJ
issue-351	139	7	spread	spread	NOUN
issue-351	139	8	of	of	ADP
issue-351	139	9	popularity	popularity	NOUN
issue-351	139	10	of	of	ADP
issue-351	139	11	mobile	mobile	ADJ
issue-351	139	12	applications	application	NOUN
issue-351	139	13	of	of	ADP
issue-351	139	14	insurance	insurance	NOUN
issue-351	139	15	companies	company	NOUN
issue-351	139	16	.	.	PUNCT
issue-351	140	1	6	6	X
issue-351	140	2	.	.	X
issue-351	140	3	conclusions	conclusion	NOUN
issue-351	140	4	statutory	statutory	ADJ
issue-351	140	5	regulation	regulation	NOUN
issue-351	140	6	in	in	ADP
issue-351	140	7	ukraine	ukraine	PROPN
issue-351	140	8	updated	update	VERB
issue-351	140	9	in	in	ADP
issue-351	140	10	february	february	PROPN
issue-351	140	11	2018	2018	NUM
issue-351	140	12	allowed	allow	VERB
issue-351	140	13	online	online	ADJ
issue-351	140	14	distribution	distribution	NOUN
issue-351	140	15	of	of	ADP
issue-351	140	16	civil	civil	ADJ
issue-351	140	17	liability	liability	NOUN
issue-351	140	18	insurance	insurance	NOUN
issue-351	140	19	for	for	ADP
issue-351	140	20	vehicle	vehicle	NOUN
issue-351	140	21	owners	owner	NOUN
issue-351	140	22	.	.	PUNCT
issue-351	141	1	it	it	PRON
issue-351	141	2	made	make	VERB
issue-351	141	3	possible	possible	ADJ
issue-351	141	4	to	to	PART
issue-351	141	5	analyse	analyse	VERB
issue-351	141	6	the	the	DET
issue-351	141	7	possibilities	possibility	NOUN
issue-351	141	8	of	of	ADP
issue-351	141	9	development	development	NOUN
issue-351	141	10	of	of	ADP
issue-351	141	11	distribution	distribution	NOUN
issue-351	141	12	of	of	ADP
issue-351	141	13	insurance	insurance	NOUN
issue-351	141	14	products	product	NOUN
issue-351	141	15	on	on	ADP
issue-351	141	16	the	the	DET
issue-351	141	17	example	example	NOUN
issue-351	141	18	of	of	ADP
issue-351	141	19	the	the	DET
issue-351	141	20	insurance	insurance	NOUN
issue-351	141	21	of	of	ADP
issue-351	141	22	civil	civil	ADJ
issue-351	141	23	liability	liability	NOUN
issue-351	141	24	of	of	ADP
issue-351	141	25	vehicle	vehicle	NOUN
issue-351	141	26	owners	owner	NOUN
issue-351	141	27	,	,	PUNCT
issue-351	141	28	using	use	VERB
issue-351	141	29	the	the	DET
issue-351	141	30	experience	experience	NOUN
issue-351	141	31	of	of	ADP
issue-351	141	32	the	the	DET
issue-351	141	33	republic	republic	NOUN
issue-351	141	34	of	of	ADP
issue-351	141	35	poland	poland	PROPN
issue-351	141	36	,	,	PUNCT
issue-351	141	37	as	as	ADP
issue-351	141	38	a	a	DET
issue-351	141	39	country	country	NOUN
issue-351	141	40	with	with	ADP
issue-351	141	41	an	an	DET
issue-351	141	42	approximate	approximate	ADJ
issue-351	141	43	number	number	NOUN
issue-351	141	44	of	of	ADP
issue-351	141	45	potential	potential	ADJ
issue-351	141	46	consumers	consumer	NOUN
issue-351	141	47	with	with	ADP
issue-351	141	48	internet	internet	NOUN
issue-351	141	49	access	access	NOUN
issue-351	141	50	.	.	PUNCT
issue-351	142	1	it	it	PRON
issue-351	142	2	is	be	AUX
issue-351	142	3	revealed	reveal	VERB
issue-351	142	4	that	that	SCONJ
issue-351	142	5	in	in	ADP
issue-351	142	6	poland	poland	PROPN
issue-351	142	7	the	the	DET
issue-351	142	8	spread	spread	NOUN
issue-351	142	9	of	of	ADP
issue-351	142	10	internet	internet	NOUN
issue-351	142	11	insurance	insurance	NOUN
issue-351	142	12	has	have	AUX
issue-351	142	13	been	be	AUX
issue-351	142	14	developing	develop	VERB
issue-351	142	15	in	in	ADP
issue-351	142	16	geometric	geometric	ADJ
issue-351	142	17	progression	progression	NOUN
issue-351	142	18	in	in	ADP
issue-351	142	19	recent	recent	ADJ
issue-351	142	20	years	year	NOUN
issue-351	142	21	.	.	PUNCT
issue-351	143	1	in	in	ADP
issue-351	143	2	ukraine	ukraine	NOUN
issue-351	143	3	,	,	PUNCT
issue-351	143	4	the	the	DET
issue-351	143	5	improvement	improvement	NOUN
issue-351	143	6	of	of	ADP
issue-351	143	7	access	access	NOUN
issue-351	143	8	of	of	ADP
issue-351	143	9	citizens	citizen	NOUN
issue-351	143	10	to	to	ADP
issue-351	143	11	the	the	DET
issue-351	143	12	internet	internet	NOUN
issue-351	143	13	is	be	AUX
issue-351	143	14	also	also	ADV
issue-351	143	15	noted	note	VERB
issue-351	143	16	that	that	SCONJ
issue-351	143	17	allowed	allow	VERB
issue-351	143	18	confirming	confirm	VERB
issue-351	143	19	the	the	DET
issue-351	143	20	hypothesis	hypothesis	NOUN
issue-351	143	21	put	put	VERB
issue-351	143	22	forward	forward	ADV
issue-351	143	23	at	at	ADP
issue-351	143	24	the	the	DET
issue-351	143	25	beginning	beginning	NOUN
issue-351	143	26	of	of	ADP
issue-351	143	27	work	work	NOUN
issue-351	143	28	.	.	PUNCT
issue-351	144	1	it	it	PRON
issue-351	144	2	is	be	AUX
issue-351	144	3	determined	determine	VERB
issue-351	144	4	that	that	SCONJ
issue-351	144	5	the	the	DET
issue-351	144	6	main	main	ADJ
issue-351	144	7	reason	reason	NOUN
issue-351	144	8	for	for	ADP
issue-351	144	9	the	the	DET
issue-351	144	10	growth	growth	NOUN
issue-351	144	11	of	of	ADP
issue-351	144	12	internet	internet	NOUN
issue-351	144	13	insurance	insurance	NOUN
issue-351	144	14	sales	sale	NOUN
issue-351	144	15	is	be	AUX
issue-351	144	16	the	the	DET
issue-351	144	17	new	new	ADJ
issue-351	144	18	possibilities	possibility	NOUN
issue-351	144	19	of	of	ADP
issue-351	144	20	mobile	mobile	ADJ
issue-351	144	21	applications	application	NOUN
issue-351	144	22	.	.	PUNCT
issue-351	145	1	it	it	PRON
issue-351	145	2	is	be	AUX
issue-351	145	3	the	the	DET
issue-351	145	4	internet	internet	NOUN
issue-351	145	5	availability	availability	NOUN
issue-351	145	6	and	and	CCONJ
issue-351	145	7	technical	technical	ADJ
issue-351	145	8	development	development	NOUN
issue-351	145	9	that	that	PRON
issue-351	145	10	allows	allow	VERB
issue-351	145	11	us	we	PRON
issue-351	145	12	to	to	PART
issue-351	145	13	talk	talk	VERB
issue-351	145	14	about	about	ADP
issue-351	145	15	the	the	DET
issue-351	145	16	significant	significant	ADJ
issue-351	145	17	potential	potential	NOUN
issue-351	145	18	of	of	ADP
issue-351	145	19	this	this	DET
issue-351	145	20	distribution	distribution	NOUN
issue-351	145	21	channel	channel	NOUN
issue-351	145	22	.	.	PUNCT
issue-351	146	1	indeed	indeed	ADV
issue-351	146	2	,	,	PUNCT
issue-351	146	3	not	not	PART
issue-351	146	4	only	only	ADV
issue-351	146	5	the	the	DET
issue-351	146	6	sale	sale	NOUN
issue-351	146	7	of	of	ADP
issue-351	146	8	insurance	insurance	NOUN
issue-351	146	9	services	service	NOUN
issue-351	146	10	takes	take	VERB
issue-351	146	11	place	place	NOUN
issue-351	146	12	,	,	PUNCT
issue-351	146	13	but	but	CCONJ
issue-351	146	14	also	also	ADV
issue-351	146	15	the	the	DET
issue-351	146	16	maintenance	maintenance	NOUN
issue-351	146	17	,	,	PUNCT
issue-351	146	18	prevention	prevention	NOUN
issue-351	146	19	or	or	CCONJ
issue-351	146	20	even	even	ADV
issue-351	146	21	elimination	elimination	NOUN
issue-351	146	22	of	of	ADP
issue-351	146	23	losses	loss	NOUN
issue-351	146	24	.	.	PUNCT
issue-351	147	1	a	a	DET
issue-351	147	2	factor	factor	NOUN
issue-351	147	3	that	that	PRON
issue-351	147	4	substantially	substantially	ADV
issue-351	147	5	impedes	impede	VERB
issue-351	147	6	the	the	DET
issue-351	147	7	development	development	NOUN
issue-351	147	8	of	of	ADP
issue-351	147	9	distribution	distribution	NOUN
issue-351	147	10	in	in	ADP
issue-351	147	11	ukraine	ukraine	NOUN
issue-351	147	12	and	and	CCONJ
issue-351	147	13	provides	provide	VERB
issue-351	147	14	significant	significant	ADJ
issue-351	147	15	opportunities	opportunity	NOUN
issue-351	147	16	in	in	ADP
issue-351	147	17	poland	poland	PROPN
issue-351	147	18	is	be	AUX
issue-351	147	19	the	the	DET
issue-351	147	20	existing	exist	VERB
issue-351	147	21	legislation	legislation	NOUN
issue-351	147	22	.	.	PUNCT
issue-351	148	1	standards	standard	NOUN
issue-351	148	2	operating	operate	VERB
issue-351	148	3	in	in	ADP
issue-351	148	4	the	the	DET
issue-351	148	5	eu	eu	PROPN
issue-351	148	6	are	be	AUX
issue-351	148	7	much	much	ADV
issue-351	148	8	more	more	ADV
issue-351	148	9	useful	useful	ADJ
issue-351	148	10	to	to	ADP
issue-351	148	11	the	the	DET
issue-351	148	12	client	client	NOUN
issue-351	148	13	and	and	CCONJ
issue-351	148	14	think	think	VERB
issue-351	148	15	about	about	ADP
issue-351	148	16	most	most	ADJ
issue-351	148	17	of	of	ADP
issue-351	148	18	the	the	DET
issue-351	148	19	technical	technical	ADJ
issue-351	148	20	features	feature	NOUN
issue-351	148	21	of	of	ADP
issue-351	148	22	online	online	ADJ
issue-351	148	23	distribution	distribution	NOUN
issue-351	148	24	.	.	PUNCT
issue-351	149	1	insurance	insurance	NOUN
issue-351	149	2	companies	company	NOUN
issue-351	149	3	of	of	ADP
issue-351	149	4	both	both	DET
issue-351	149	5	countries	country	NOUN
issue-351	149	6	,	,	PUNCT
issue-351	149	7	when	when	SCONJ
issue-351	149	8	developing	develop	VERB
issue-351	149	9	mobile	mobile	ADJ
issue-351	149	10	applications	application	NOUN
issue-351	149	11	in	in	ADP
issue-351	149	12	order	order	NOUN
issue-351	149	13	to	to	PART
issue-351	149	14	create	create	VERB
issue-351	149	15	a	a	DET
issue-351	149	16	new	new	ADJ
issue-351	149	17	distribution	distribution	NOUN
issue-351	149	18	channel	channel	NOUN
issue-351	149	19	of	of	ADP
issue-351	149	20	insurance	insurance	NOUN
issue-351	149	21	,	,	PUNCT
issue-351	149	22	should	should	AUX
issue-351	149	23	focus	focus	VERB
issue-351	149	24	first	first	ADV
issue-351	149	25	of	of	ADP
issue-351	149	26	all	all	PRON
issue-351	149	27	on	on	ADP
issue-351	149	28	the	the	DET
issue-351	149	29	expectations	expectation	NOUN
issue-351	149	30	of	of	ADP
issue-351	149	31	users	user	NOUN
issue-351	149	32	,	,	PUNCT
issue-351	149	33	that	that	ADV
issue-351	149	34	is	is	ADV
issue-351	149	35	,	,	PUNCT
issue-351	149	36	todays	todays	ADV
issue-351	149	37	and	and	CCONJ
issue-351	149	38	potential	potential	ADJ
issue-351	149	39	customers	customer	NOUN
issue-351	149	40	.	.	PUNCT
issue-351	150	1	table	table	NOUN
issue-351	150	2	2	2	NUM
issue-351	150	3	mobile	mobile	NOUN
issue-351	150	4	application	application	NOUN
issue-351	150	5	opportunities	opportunity	NOUN
issue-351	150	6	in	in	ADP
issue-351	150	7	ukraine	ukraine	PROPN
issue-351	150	8	,	,	PUNCT
issue-351	150	9	poland	poland	PROPN
issue-351	150	10	,	,	PUNCT
issue-351	150	11	and	and	CCONJ
issue-351	150	12	western	western	ADJ
issue-351	150	13	europe	europe	PROPN
issue-351	150	14	western	western	PROPN
issue-351	150	15	europe	europe	PROPN
issue-351	150	16	poland	poland	PROPN
issue-351	150	17	ukraine	ukraine	PROPN
issue-351	150	18	information	information	NOUN
issue-351	150	19	search	search	NOUN
issue-351	150	20	search	search	NOUN
issue-351	150	21	for	for	ADP
issue-351	150	22	branch	branch	NOUN
issue-351	150	23	/	/	SYM
issue-351	150	24	insurance	insurance	NOUN
issue-351	150	25	agent	agent	NOUN
issue-351	150	26	information	information	NOUN
issue-351	150	27	about	about	ADP
issue-351	150	28	threats	threat	NOUN
issue-351	150	29	information	information	NOUN
issue-351	150	30	about	about	ADP
issue-351	150	31	threats	threat	NOUN
issue-351	150	32	purchase	purchase	NOUN
issue-351	150	33	of	of	ADP
issue-351	150	34	insurance	insurance	NOUN
issue-351	150	35	services	service	NOUN
issue-351	150	36	simplifying	simplify	VERB
issue-351	150	37	the	the	DET
issue-351	150	38	purchase	purchase	NOUN
issue-351	150	39	of	of	ADP
issue-351	150	40	travel	travel	NOUN
issue-351	150	41	insurance	insurance	NOUN
issue-351	150	42	buying	buy	VERB
issue-351	150	43	civil	civil	ADJ
issue-351	150	44	liability	liability	NOUN
issue-351	150	45	insurance	insurance	NOUN
issue-351	150	46	payment	payment	NOUN
issue-351	150	47	at	at	ADP
issue-351	150	48	the	the	DET
issue-351	150	49	application	application	NOUN
issue-351	150	50	level	level	NOUN
issue-351	150	51	review	review	NOUN
issue-351	150	52	before	before	ADP
issue-351	150	53	purchasing	purchase	VERB
issue-351	150	54	insurance	insurance	NOUN
issue-351	150	55	,	,	PUNCT
issue-351	150	56	video	video	NOUN
issue-351	150	57	streaming	streaming	NOUN
issue-351	150	58	direct	direct	ADJ
issue-351	150	59	and	and	CCONJ
issue-351	150	60	short	short	ADJ
issue-351	150	61	-	-	PUNCT
issue-351	150	62	term	term	NOUN
issue-351	150	63	insurance	insurance	NOUN
issue-351	150	64	service	service	NOUN
issue-351	150	65	of	of	ADP
issue-351	150	66	the	the	DET
issue-351	150	67	insurance	insurance	NOUN
issue-351	150	68	policy	policy	NOUN
issue-351	150	69	certificate	certificate	NOUN
issue-351	150	70	of	of	ADP
issue-351	150	71	accident	accident	NOUN
issue-351	150	72	-	-	PUNCT
issue-351	150	73	free	free	ADJ
issue-351	150	74	driving	driving	NOUN
issue-351	150	75	record	record	NOUN
issue-351	150	76	access	access	NOUN
issue-351	150	77	to	to	ADP
issue-351	150	78	a	a	DET
issue-351	150	79	client	client	NOUN
issue-351	150	80	account	account	NOUN
issue-351	150	81	from	from	ADP
issue-351	150	82	a	a	DET
issue-351	150	83	mobile	mobile	ADJ
issue-351	150	84	app	app	NOUN
issue-351	150	85	information	information	NOUN
issue-351	150	86	about	about	ADP
issue-351	150	87	the	the	DET
issue-351	150	88	predicted	predict	VERB
issue-351	150	89	danger	danger	NOUN
issue-351	150	90	information	information	NOUN
issue-351	150	91	about	about	ADP
issue-351	150	92	scheduled	schedule	VERB
issue-351	150	93	meetings	meeting	NOUN
issue-351	150	94	viewing	view	VERB
issue-351	150	95	client	client	NOUN
issue-351	150	96	’s	’s	PART
issue-351	150	97	insurance	insurance	NOUN
issue-351	150	98	policies	policy	NOUN
issue-351	150	99	reminders	reminder	NOUN
issue-351	150	100	about	about	ADP
issue-351	150	101	insurance	insurance	NOUN
issue-351	150	102	cases	case	NOUN
issue-351	150	103	payment	payment	NOUN
issue-351	150	104	revision	revision	NOUN
issue-351	150	105	renewal	renewal	NOUN
issue-351	150	106	renewal	renewal	NOUN
issue-351	150	107	of	of	ADP
issue-351	150	108	an	an	DET
issue-351	150	109	insurance	insurance	NOUN
issue-351	150	110	contract	contract	NOUN
issue-351	150	111	loss	loss	NOUN
issue-351	150	112	occurrence	occurrence	NOUN
issue-351	150	113	application	application	NOUN
issue-351	150	114	for	for	ADP
issue-351	150	115	an	an	DET
issue-351	150	116	insurance	insurance	NOUN
issue-351	150	117	case	case	NOUN
issue-351	150	118	instructions	instruction	NOUN
issue-351	150	119	for	for	ADP
issue-351	150	120	action	action	NOUN
issue-351	150	121	after	after	ADP
issue-351	150	122	the	the	DET
issue-351	150	123	loss	loss	NOUN
issue-351	150	124	occurrence	occurrence	NOUN
issue-351	150	125	appointment	appointment	NOUN
issue-351	150	126	to	to	ADP
issue-351	150	127	a	a	DET
issue-351	150	128	hospital	hospital	NOUN
issue-351	150	129	or	or	CCONJ
issue-351	150	130	auto	auto	NOUN
issue-351	150	131	workshop	workshop	NOUN
issue-351	150	132	loss	loss	NOUN
issue-351	150	133	maintenance	maintenance	NOUN
issue-351	150	134	appeal	appeal	NOUN
issue-351	150	135	against	against	ADP
issue-351	150	136	the	the	DET
issue-351	150	137	insurer	insurer	NOUN
issue-351	150	138	’s	’s	PART
issue-351	150	139	decision	decision	NOUN
issue-351	150	140	loss	loss	NOUN
issue-351	150	141	overview	overview	NOUN
issue-351	150	142	through	through	ADP
issue-351	150	143	video	video	NOUN
issue-351	150	144	streaming	streaming	NOUN
issue-351	150	145	review	review	NOUN
issue-351	150	146	of	of	ADP
issue-351	150	147	insurance	insurance	NOUN
issue-351	150	148	payments	payment	NOUN
issue-351	150	149	’	'	PUNCT
issue-351	150	150	history	history	NOUN
issue-351	150	151	tracking	track	VERB
issue-351	150	152	the	the	DET
issue-351	150	153	state	state	NOUN
issue-351	150	154	of	of	ADP
issue-351	150	155	damage	damage	NOUN
issue-351	150	156	liquidation	liquidation	NOUN
issue-351	150	157	source	source	NOUN
issue-351	150	158	:	:	PUNCT
issue-351	150	159	own	own	ADJ
issue-351	150	160	development	development	NOUN
issue-351	150	161	based	base	VERB
issue-351	150	162	on	on	ADP
issue-351	150	163	kpmg	kpmg	PROPN
issue-351	150	164	research	research	PROPN
issue-351	150	165	baltic	baltic	PROPN
issue-351	150	166	journal	journal	PROPN
issue-351	150	167	of	of	ADP
issue-351	150	168	economic	economic	ADJ
issue-351	150	169	studies	study	NOUN
issue-351	150	170	201	201	NUM
issue-351	150	171	vol	vol	NOUN
issue-351	150	172	.	.	PROPN
issue-351	151	1	4	4	NUM
issue-351	151	2	,	,	PUNCT
issue-351	151	3	no	no	INTJ
issue-351	151	4	.	.	NOUN
issue-351	151	5	1	1	NUM
issue-351	151	6	,	,	PUNCT
issue-351	151	7	2018	2018	NUM
issue-351	151	8	references	reference	NOUN
issue-351	151	9	:	:	PUNCT
issue-351	151	10	bednarczyk	bednarczyk	NOUN
issue-351	151	11	t.	t.	NOUN
issue-351	151	12	,	,	PUNCT
issue-351	151	13	jańska	jańska	PROPN
issue-351	151	14	a.	a.	NOUN
issue-351	151	15	(	(	PUNCT
issue-351	151	16	2015	2015	NUM
issue-351	151	17	)	)	PUNCT
issue-351	151	18	innowacje	innowacje	PROPN
issue-351	151	19	produktowe	produktowe	NOUN
issue-351	152	1	i	i	PRON
issue-351	152	2	procesowe	procesowe	VERB
issue-351	152	3	w	w	PROPN
issue-351	152	4	obszarze	obszarze	PROPN
issue-351	152	5	ubezpieczeń	ubezpieczeń	PROPN
issue-351	152	6	majątkowych	majątkowych	NOUN
issue-351	152	7	dla	dla	PROPN
issue-351	152	8	osób	osób	PROPN
issue-351	152	9	fizycznych	fizycznych	PROPN
issue-351	152	10	,	,	PUNCT
issue-351	152	11	„	„	PUNCT
issue-351	152	12	annales	annales	PROPN
issue-351	152	13	universitatis	universitatis	PROPN
issue-351	152	14	mariae	mariae	PROPN
issue-351	152	15	curie	curie	PROPN
issue-351	152	16	-	-	PUNCT
issue-351	152	17	skłodowska	skłodowska	PROPN
issue-351	152	18	.	.	PUNCT
issue-351	153	1	sectio	sectio	PROPN
issue-351	153	2	h.	h.	PROPN
issue-351	153	3	oeconomia	oeconomia	PROPN
issue-351	153	4	”	"	PUNCT
issue-351	153	5	vol	vol	NOUN
issue-351	153	6	.	.	PROPN
issue-351	153	7	49	49	NUM
issue-351	153	8	,	,	PUNCT
issue-351	153	9	nr	nr	NOUN
issue-351	153	10	4	4	NUM
issue-351	153	11	,	,	PUNCT
issue-351	153	12	p.	p.	NOUN
issue-351	153	13	45	45	NUM
issue-351	153	14	-	-	SYM
issue-351	153	15	55	55	NUM
issue-351	153	16	.	.	PUNCT
issue-351	154	1	błaś	błaś	PROPN
issue-351	154	2	r.	r.	PROPN
issue-351	154	3	(	(	PUNCT
issue-351	154	4	2016	2016	NUM
issue-351	154	5	)	)	PUNCT
issue-351	154	6	analiza	analiza	NOUN
issue-351	154	7	rynku	rynku	ADJ
issue-351	154	8	ubezpieczeniowego	ubezpieczeniowego	PROPN
issue-351	154	9	w	w	PROPN
issue-351	154	10	polsce	polsce	PROPN
issue-351	154	11	pod	pod	PROPN
issue-351	154	12	kątem	kątem	PROPN
issue-351	154	13	aplikacji	aplikacji	PROPN
issue-351	154	14	mobilnych	mobilnych	PROPN
issue-351	154	15	,	,	PUNCT
issue-351	154	16	„	„	PUNCT
issue-351	154	17	acta	acta	PROPN
issue-351	154	18	universitatis	universitatis	PROPN
issue-351	154	19	nicolai	nicolai	PROPN
issue-351	154	20	copernici	copernici	PROPN
issue-351	154	21	.	.	PUNCT
issue-351	155	1	zarządzanie	zarządzanie	PROPN
issue-351	155	2	”	"	PUNCT
issue-351	155	3	tom	tom	PROPN
issue-351	155	4	43	43	NUM
issue-351	155	5	,	,	PUNCT
issue-351	155	6	nr	nr	PROPN
issue-351	155	7	2	2	NUM
issue-351	155	8	,	,	PUNCT
issue-351	155	9	s.	s.	PROPN
issue-351	155	10	25	25	NUM
issue-351	155	11	-	-	SYM
issue-351	155	12	39	39	NUM
issue-351	155	13	.	.	PUNCT
issue-351	156	1	doi	doi	NOUN
issue-351	156	2	:	:	PUNCT
issue-351	156	3	http://dx.doi.org/10.12775/aunc_zarz.2016.015	http://dx.doi.org/10.12775/aunc_zarz.2016.015	NUM
issue-351	156	4	.	.	PUNCT
issue-351	157	1	bojanowska	bojanowska	PROPN
issue-351	157	2	a.	a.	PROPN
issue-351	157	3	,	,	PUNCT
issue-351	157	4	wójcik	wójcik	PROPN
issue-351	157	5	a.	a.	PROPN
issue-351	157	6	(	(	PUNCT
issue-351	157	7	2015	2015	NUM
issue-351	157	8	)	)	PUNCT
issue-351	157	9	nowoczesne	nowoczesne	NOUN
issue-351	157	10	kanały	kanały	PROPN
issue-351	157	11	dystrybucji	dystrybucji	VERB
issue-351	157	12	ubezpieczeń	ubezpieczeń	PROPN
issue-351	157	13	komunikacyjnych	komunikacyjnych	NOUN
issue-351	157	14	,	,	PUNCT
issue-351	157	15	„	„	PUNCT
issue-351	157	16	marketing	marketing	NOUN
issue-351	157	17	i	i	PRON
issue-351	157	18	zarządzanie	zarządzanie	VERB
issue-351	157	19	”	"	PUNCT
issue-351	157	20	nr	nr	PROPN
issue-351	157	21	41	41	NUM
issue-351	157	22	(	(	PUNCT
issue-351	157	23	2	2	NUM
issue-351	157	24	)	)	PUNCT
issue-351	157	25	,	,	PUNCT
issue-351	157	26	p.	p.	NOUN
issue-351	157	27	423	423	NUM
issue-351	157	28	-	-	SYM
issue-351	157	29	434	434	NUM
issue-351	157	30	.	.	PUNCT
issue-351	158	1	cholewiński	cholewiński	PROPN
issue-351	158	2	a.	a.	NOUN
issue-351	158	3	(	(	PUNCT
issue-351	158	4	2018	2018	NUM
issue-351	158	5	)	)	PUNCT
issue-351	158	6	internet	internet	NOUN
issue-351	158	7	ubezpieczeniach	ubezpieczeniach	NOUN
issue-351	158	8	,	,	PUNCT
issue-351	158	9	retrieved	retrieve	VERB
issue-351	158	10	from	from	ADP
issue-351	158	11	:	:	PUNCT
issue-351	158	12	http://www.e-marketing.pl/artyk/artyk39.php	http://www.e-marketing.pl/artyk/artyk39.php	PROPN
issue-351	158	13	.	.	PUNCT
issue-351	159	1	dutta	dutta	PROPN
issue-351	159	2	,	,	PUNCT
issue-351	159	3	s.	s.	PROPN
issue-351	159	4	,	,	PUNCT
issue-351	159	5	kwan	kwan	PROPN
issue-351	159	6	,	,	PUNCT
issue-351	159	7	s.	s.	PROPN
issue-351	159	8	,	,	PUNCT
issue-351	159	9	segev	segev	NOUN
issue-351	159	10	,	,	PUNCT
issue-351	159	11	a.	a.	NOUN
issue-351	159	12	(	(	PUNCT
issue-351	159	13	1997	1997	NUM
issue-351	159	14	)	)	PUNCT
issue-351	159	15	transforming	transform	VERB
issue-351	159	16	business	business	NOUN
issue-351	159	17	in	in	ADP
issue-351	159	18	the	the	DET
issue-351	159	19	marketspace	marketspace	NOUN
issue-351	159	20	–	–	PUNCT
issue-351	159	21	strategic	strategic	ADJ
issue-351	159	22	marketing	marketing	NOUN
issue-351	159	23	and	and	CCONJ
issue-351	159	24	customer	customer	NOUN
issue-351	159	25	relationships	relationship	NOUN
issue-351	159	26	,	,	PUNCT
issue-351	159	27	cmit	cmit	VERB
issue-351	159	28	working	working	NOUN
issue-351	159	29	paper	paper	NOUN
issue-351	159	30	.	.	PUNCT
issue-351	160	1	berkeley	berkeley	PROPN
issue-351	160	2	:	:	PUNCT
issue-351	160	3	fisher	fisher	PROPN
issue-351	160	4	center	center	PROPN
issue-351	160	5	for	for	ADP
issue-351	160	6	management	management	NOUN
issue-351	160	7	and	and	CCONJ
issue-351	160	8	information	information	NOUN
issue-351	160	9	technology	technology	NOUN
issue-351	160	10	,	,	PUNCT
issue-351	160	11	university	university	PROPN
issue-351	160	12	of	of	ADP
issue-351	160	13	california	california	PROPN
issue-351	160	14	.	.	PUNCT
issue-351	161	1	finne	finne	PROPN
issue-351	161	2	a.	a.	PROPN
issue-351	161	3	,	,	PUNCT
issue-351	161	4	grönroos	grönroos	PROPN
issue-351	161	5	c.	c.	PROPN
issue-351	161	6	(	(	PUNCT
issue-351	161	7	2017	2017	NUM
issue-351	161	8	)	)	PUNCT
issue-351	161	9	communication	communication	NOUN
issue-351	161	10	-	-	PUNCT
issue-351	161	11	in	in	ADP
issue-351	161	12	-	-	PUNCT
issue-351	161	13	use	use	NOUN
issue-351	161	14	:	:	PUNCT
issue-351	161	15	customer	customer	NOUN
issue-351	161	16	-	-	PUNCT
issue-351	161	17	integrated	integrate	VERB
issue-351	161	18	marketing	marketing	NOUN
issue-351	161	19	communication	communication	NOUN
issue-351	161	20	,	,	PUNCT
issue-351	161	21	european	european	ADJ
issue-351	161	22	journal	journal	NOUN
issue-351	161	23	of	of	ADP
issue-351	161	24	marketing	marketing	PROPN
issue-351	161	25	nr	nr	PROPN
issue-351	161	26	51/3	51/3	NUM
issue-351	161	27	,	,	PUNCT
issue-351	161	28	p.	p.	NOUN
issue-351	161	29	445	445	NUM
issue-351	161	30	-	-	SYM
issue-351	161	31	463	463	NUM
issue-351	161	32	.	.	PUNCT
issue-351	162	1	grzywaczewska	grzywaczewska	PROPN
issue-351	162	2	k.	k.	PROPN
issue-351	162	3	(	(	PUNCT
issue-351	162	4	2015	2015	NUM
issue-351	162	5	)	)	PUNCT
issue-351	162	6	ubezpieczyciel	ubezpieczyciel	PROPN
issue-351	162	7	zmienia	zmienia	NOUN
issue-351	162	8	się	się	PROPN
issue-351	162	9	dla	dla	NOUN
issue-351	162	10	klienta	klienta	PROPN
issue-351	162	11	,	,	PUNCT
issue-351	162	12	„	„	PUNCT
issue-351	162	13	miesięcznik	miesięcznik	NOUN
issue-351	162	14	ubezpieczeniowy	ubezpieczeniowy	ADJ
issue-351	162	15	”	"	PUNCT
issue-351	162	16	nr	nr	PROPN
issue-351	162	17	3	3	NUM
issue-351	162	18	.	.	PUNCT
issue-351	162	19	gus	gus	PROPN
issue-351	162	20	jak	jak	PROPN
issue-351	162	21	korzystamy	korzystamy	PROPN
issue-351	162	22	z	z	PROPN
issue-351	162	23	internetu	internetu	PROPN
issue-351	162	24	?	?	PUNCT
issue-351	163	1	za	za	PROPN
issue-351	163	2	lata	lata	PROPN
issue-351	163	3	2005	2005	NUM
issue-351	163	4	-	-	SYM
issue-351	163	5	2017	2017	NUM
issue-351	163	6	(	(	PUNCT
issue-351	163	7	2018	2018	NUM
issue-351	163	8	)	)	PUNCT
issue-351	163	9	retrieved	retrieve	VERB
issue-351	163	10	from	from	ADP
issue-351	163	11	:	:	PUNCT
issue-351	163	12	https://www.stat.gow.pl	https://www.stat.gow.pl	PROPN
issue-351	163	13	.	.	PUNCT
issue-351	164	1	handschke	handschke	PROPN
issue-351	164	2	j.	j.	PROPN
issue-351	164	3	,	,	PUNCT
issue-351	164	4	kaczała	kaczała	PROPN
issue-351	164	5	m.	m.	NOUN
issue-351	164	6	(	(	PUNCT
issue-351	164	7	2004	2004	NUM
issue-351	164	8	)	)	PUNCT
issue-351	164	9	badania	badania	PROPN
issue-351	164	10	empiryczne	empiryczne	PROPN
issue-351	164	11	–	–	PUNCT
issue-351	164	12	wykorzystanie	wykorzystanie	VERB
issue-351	164	13	internetu	internetu	PROPN
issue-351	164	14	w	w	PROPN
issue-351	164	15	zakładach	zakładach	PROPN
issue-351	164	16	ubezpieczeń	ubezpieczeń	PROPN
issue-351	164	17	w	w	PROPN
issue-351	164	18	polsce	polsce	PROPN
issue-351	164	19	:	:	PUNCT
issue-351	164	20	założenia	założenia	NOUN
issue-351	164	21	badań	badań	NOUN
issue-351	164	22	,	,	PUNCT
issue-351	164	23	[	[	X
issue-351	164	24	w	w	NOUN
issue-351	164	25	:]	:]	PROPN
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issue-351	164	29	ubezpieczeniowej	ubezpieczeniowej	PROPN
issue-351	164	30	w	w	PROPN
issue-351	164	31	polsce	polsce	PROPN
issue-351	164	32	ze	ze	PROPN
issue-351	164	33	szczególnym	szczególnym	PROPN
issue-351	164	34	uwzględnieniem	uwzględnieniem	PROPN
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issue-351	164	37	pod	pod	PROPN
issue-351	164	38	red	red	PROPN
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issue-351	165	3	,	,	PUNCT
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issue-351	165	5	ubezpieczeń	ubezpieczeń	PROPN
issue-351	165	6	ae	ae	PROPN
issue-351	165	7	w	w	PROPN
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issue-351	165	9	,	,	PUNCT
issue-351	165	10	poznań	poznań	NOUN
issue-351	165	11	.	.	PUNCT
issue-351	166	1	insurance	insurance	NOUN
issue-351	166	2	distribution	distribution	NOUN
issue-351	166	3	directive	directive	NOUN
issue-351	166	4	(	(	PUNCT
issue-351	166	5	2018	2018	NUM
issue-351	166	6	)	)	PUNCT
issue-351	166	7	retrieved	retrieve	VERB
issue-351	166	8	from	from	ADP
issue-351	166	9	:	:	PUNCT
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issue-351	166	11	internet	internet	NOUN
issue-351	166	12	users	user	NOUN
issue-351	166	13	by	by	ADP
issue-351	166	14	country	country	NOUN
issue-351	166	15	(	(	PUNCT
issue-351	166	16	2016	2016	NUM
issue-351	166	17	)	)	PUNCT
issue-351	166	18	retrieved	retrieve	VERB
issue-351	166	19	from	from	ADP
issue-351	166	20	:	:	PUNCT
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issue-351	166	24	,	,	PUNCT
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issue-351	166	28	2004	2004	NUM
issue-351	166	29	)	)	PUNCT
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issue-351	166	31	nowych	nowych	VERB
issue-351	166	32	technologii	technologii	NOUN
issue-351	166	33	na	na	ADP
issue-351	166	34	system	system	NOUN
issue-351	166	35	biznesowy	biznesowy	PROPN
issue-351	166	36	zakładu	zakładu	PROPN
issue-351	166	37	ubezpieczeń	ubezpieczeń	PROPN
issue-351	166	38	,	,	PUNCT
issue-351	166	39	[	[	X
issue-351	166	40	w	w	NOUN
issue-351	166	41	:]	:]	PROPN
issue-351	166	42	internet	internet	PROPN
issue-351	166	43	w	w	PROPN
issue-351	166	44	działalności	działalności	PROPN
issue-351	166	45	ubezpieczeniowej	ubezpieczeniowej	PROPN
issue-351	166	46	w	w	PROPN
issue-351	166	47	polsce	polsce	PROPN
issue-351	166	48	ze	ze	PROPN
issue-351	166	49	szczególnym	szczególnym	PROPN
issue-351	166	50	uwzględnieniem	uwzględnieniem	PROPN
issue-351	166	51	dystrybucji	dystrybucji	PROPN
issue-351	166	52	,	,	PUNCT
issue-351	166	53	pod	pod	PROPN
issue-351	166	54	red	red	PROPN
issue-351	166	55	.	.	PUNCT
issue-351	167	1	j.	j.	PROPN
issue-351	167	2	handschke	handschke	PROPN
issue-351	167	3	,	,	PUNCT
issue-351	167	4	katedra	katedra	PROPN
issue-351	167	5	ubezpieczeń	ubezpieczeń	PROPN
issue-351	167	6	ae	ae	PROPN
issue-351	167	7	w	w	PROPN
issue-351	167	8	poznaniu	poznaniu	PROPN
issue-351	167	9	,	,	PUNCT
issue-351	167	10	poznań	poznań	NOUN
issue-351	167	11	.	.	PUNCT
issue-351	168	1	klapkiv	klapkiv	PROPN
issue-351	168	2	m.	m.	PROPN
issue-351	168	3	,	,	PUNCT
issue-351	168	4	klapkiv	klapkiv	PROPN
issue-351	168	5	y.	y.	PROPN
issue-351	168	6	(	(	PUNCT
issue-351	168	7	2003	2003	NUM
issue-351	168	8	)	)	PUNCT
issue-351	168	9	vytoky	vytoky	NOUN
issue-351	168	10	natsionalnoho	natsionalnoho	NOUN
issue-351	168	11	strakhovoho	strakhovoho	NOUN
issue-351	168	12	rynku	rynku	ADV
issue-351	168	13	ukrainy	ukrainy	ADJ
issue-351	169	1	[	[	X
issue-351	169	2	the	the	DET
issue-351	169	3	origins	origin	NOUN
issue-351	169	4	of	of	ADP
issue-351	169	5	the	the	DET
issue-351	169	6	national	national	ADJ
issue-351	169	7	insurance	insurance	NOUN
issue-351	169	8	market	market	NOUN
issue-351	169	9	of	of	ADP
issue-351	169	10	ukraine	ukraine	NOUN
issue-351	169	11	]	]	PUNCT
issue-351	169	12	.	.	PUNCT
issue-351	170	1	ternopil	ternopil	ADJ
issue-351	170	2	:	:	PUNCT
issue-351	170	3	carte	carte	NOUN
issue-351	170	4	-	-	PUNCT
issue-351	170	5	blanche	blanche	NOUN
issue-351	170	6	,	,	PUNCT
issue-351	170	7	p.	p.	NOUN
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issue-351	170	9	.	.	PUNCT
issue-351	171	1	klapkiv	klapkiv	PROPN
issue-351	171	2	y.	y.	PROPN
issue-351	171	3	(	(	PUNCT
issue-351	171	4	2007	2007	NUM
issue-351	171	5	)	)	PUNCT
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issue-351	171	8	ta	ta	PROPN
issue-351	171	9	yoho	yoho	PROPN
issue-351	171	10	vplyv	vplyv	PROPN
issue-351	171	11	na	na	PROPN
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issue-351	171	13	dystrybutsii	dystrybutsii	VERB
issue-351	171	14	finansovykh	finansovykh	ADJ
issue-351	171	15	posluh	posluh	NOUN
issue-351	172	1	[	[	X
issue-351	172	2	development	development	NOUN
issue-351	172	3	of	of	ADP
issue-351	172	4	bank	bank	NOUN
issue-351	172	5	insurance	insurance	NOUN
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issue-351	172	8	influence	influence	NOUN
issue-351	172	9	on	on	ADP
issue-351	172	10	the	the	DET
issue-351	172	11	system	system	NOUN
issue-351	172	12	of	of	ADP
issue-351	172	13	distribution	distribution	NOUN
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issue-351	172	20	market	market	NOUN
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issue-351	172	24	,	,	PUNCT
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issue-351	172	26	,	,	PUNCT
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issue-351	172	30	,	,	PUNCT
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issue-351	172	32	.	.	PUNCT
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issue-351	173	2	-	-	SYM
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issue-351	173	4	.	.	PUNCT
issue-351	174	1	klapkiv	klapkiv	PROPN
issue-351	174	2	y.	y.	PROPN
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issue-351	174	4	2016	2016	NUM
issue-351	174	5	)	)	PUNCT
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issue-351	174	8	of	of	ADP
issue-351	174	9	institutional	institutional	ADJ
issue-351	174	10	development	development	NOUN
issue-351	174	11	in	in	ADP
issue-351	174	12	the	the	DET
issue-351	174	13	market	market	NOUN
issue-351	174	14	of	of	ADP
issue-351	174	15	insurance	insurance	NOUN
issue-351	174	16	.	.	PUNCT
issue-351	175	1	scientific	scientific	ADJ
issue-351	175	2	bulletin	bulletin	NOUN
issue-351	175	3	of	of	ADP
issue-351	175	4	the	the	DET
issue-351	175	5	polesie	polesie	NOUN
issue-351	175	6	,	,	PUNCT
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issue-351	175	10	,	,	PUNCT
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issue-351	175	12	.	.	PUNCT
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issue-351	176	2	-	-	SYM
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issue-351	176	4	.	.	PUNCT
issue-351	177	1	klapkiv	klapkiv	PROPN
issue-351	177	2	y.	y.	PROPN
issue-351	177	3	,	,	PUNCT
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issue-351	177	6	,	,	PUNCT
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issue-351	177	9	.	.	PUNCT
issue-351	177	10	(	(	PUNCT
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issue-351	177	12	)	)	PUNCT
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issue-351	177	16	the	the	DET
issue-351	177	17	insurance	insurance	NOUN
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issue-351	177	19	,	,	PUNCT
issue-351	177	20	„	„	PUNCT
issue-351	177	21	scientific	scientific	ADJ
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issue-351	177	25	”	"	PUNCT
issue-351	177	26	,	,	PUNCT
issue-351	177	27	nr	nr	PROPN
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issue-351	177	29	(	(	PUNCT
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issue-351	177	31	)	)	PUNCT
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issue-351	178	2	-	-	SYM
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issue-351	178	4	.	.	PUNCT
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issue-351	179	6	)	)	PUNCT
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issue-351	179	9	.	.	PUNCT
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issue-351	181	4	-	-	SYM
issue-351	181	5	2017	2017	NUM
issue-351	181	6	,	,	PUNCT
issue-351	181	7	retrieved	retrieve	VERB
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issue-351	181	9	:	:	PUNCT
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issue-351	182	4	)	)	PUNCT
issue-351	183	1	ubezpieczenia	ubezpieczenia	PROPN
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issue-351	183	9	otworzą	otworzą	VERB
issue-351	183	10	nowe	nowe	PROPN
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issue-351	184	3	,	,	PUNCT
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issue-351	184	6	:	:	PUNCT
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issue-351	185	8	)	)	PUNCT
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issue-351	185	11	'	'	PUNCT
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issue-351	186	15	:	:	PUNCT
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issue-351	187	5	)	)	PUNCT
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issue-351	187	18	.	.	PUNCT
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issue-351	188	8	)	)	PUNCT
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issue-351	189	6	,	,	PUNCT
issue-351	190	1	[	[	X
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issue-351	190	14	.	.	PUNCT
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issue-351	191	5	,	,	PUNCT
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issue-351	194	9	-	-	SYM
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issue-351	196	2	(	(	PUNCT
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issue-351	196	4	)	)	PUNCT
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issue-351	196	8	2015	2015	NUM
issue-351	196	9	:	:	PUNCT
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issue-351	196	11	the	the	DET
issue-351	196	12	potential	potential	NOUN
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issue-351	196	14	e	e	NOUN
issue-351	196	15	-	-	NOUN
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issue-351	196	18	developing	develop	VERB
issue-351	196	19	countries	country	NOUN
issue-351	196	20	(	(	PUNCT
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issue-351	196	22	nations	nations	PROPN
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issue-351	196	24	,	,	PUNCT
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issue-351	197	2	,	,	PUNCT
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issue-351	197	10	:	:	PUNCT
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issue-351	197	15	/	/	SYM
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issue-351	198	2	z	z	PROPN
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issue-351	198	5	grudnia	grudnia	NOUN
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issue-351	198	11	(	(	PUNCT
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issue-351	198	13	)	)	PUNCT
issue-351	198	14	retrieved	retrieve	VERB
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issue-351	198	16	:	:	PUNCT
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issue-351	199	2	/	/	SYM
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issue-351	199	4	/	/	SYM
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issue-351	199	8	/	/	SYM
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issue-351	199	10	ustawa	ustawa	PROPN
issue-351	199	11	z	z	PROPN
issue-351	199	12	dnia	dnia	PROPN
issue-351	199	13	30	30	NUM
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issue-351	199	16	r.	r.	PROPN
issue-351	199	17	o	o	PROPN
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issue-351	199	20	(	(	PUNCT
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issue-351	199	22	)	)	PUNCT
issue-351	199	23	.	.	PUNCT
issue-351	200	1	retrieved	retrieve	VERB
issue-351	200	2	from	from	ADP
issue-351	200	3	:	:	PUNCT
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issue-351	200	10	pravoporushennia	pravoporushennia	PROPN
issue-351	201	1	[	[	X
issue-351	201	2	the	the	DET
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issue-351	201	4	of	of	ADP
issue-351	201	5	ukraine	ukraine	NOUN
issue-351	201	6	about	about	ADP
issue-351	201	7	administrative	administrative	ADJ
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issue-351	201	9	]	]	PUNCT
issue-351	201	10	(	(	PUNCT
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issue-351	201	12	)	)	PUNCT
issue-351	201	13	retrieved	retrieve	VERB
issue-351	201	14	from	from	ADP
issue-351	201	15	:	:	PUNCT
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issue-351	201	18	j.	j.	PROPN
issue-351	201	19	(	(	PUNCT
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issue-351	201	21	)	)	PUNCT
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issue-351	201	23	dystrybucji	dystrybucji	VERB
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issue-351	201	25	ubezpieczeniowych	ubezpieczeniowych	PROPN
issue-351	201	26	,	,	PUNCT
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issue-351	201	28	.	.	PROPN
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issue-351	202	2	dom	dom	PROPN
issue-351	202	3	organizatora	organizatora	PROPN
issue-351	202	4	,	,	PUNCT
issue-351	202	5	toruń	toruń	PROPN
issue-351	202	6	volosovych	volosovych	PROPN
issue-351	202	7	s.	s.	PROPN
issue-351	202	8	,	,	PUNCT
issue-351	202	9	klapkiv	klapkiv	PROPN
issue-351	202	10	l.	l.	PROPN
issue-351	202	11	(	(	PUNCT
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issue-351	202	13	)	)	PUNCT
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issue-351	202	15	innovations	innovation	NOUN
issue-351	202	16	in	in	ADP
issue-351	202	17	the	the	DET
issue-351	202	18	market	market	NOUN
issue-351	202	19	of	of	ADP
issue-351	202	20	the	the	DET
issue-351	202	21	insurance	insurance	NOUN
issue-351	202	22	services	service	NOUN
issue-351	202	23	.	.	PUNCT
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issue-351	203	2	and	and	CCONJ
issue-351	203	3	economic	economic	ADJ
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issue-351	203	5	of	of	ADP
issue-351	203	6	development	development	NOUN
issue-351	203	7	of	of	ADP
issue-351	203	8	the	the	DET
issue-351	203	9	financial	financial	ADJ
issue-351	203	10	system	system	NOUN
issue-351	203	11	.	.	PUNCT
issue-351	204	1	isma	isma	PROPN
issue-351	204	2	university	university	PROPN
issue-351	204	3	,	,	PUNCT
issue-351	204	4	riga	riga	PROPN
issue-351	204	5	:	:	PUNCT
issue-351	204	6	«	«	PUNCT
issue-351	204	7	landmark	landmark	PROPN
issue-351	204	8	»	»	PUNCT
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issue-351	204	10	,	,	PUNCT
issue-351	204	11	2016	2016	NUM
issue-351	204	12	,	,	PUNCT
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issue-351	204	14	92	92	NUM
issue-351	204	15	-	-	SYM
issue-351	204	16	101	101	NUM
issue-351	204	17	.	.	PUNCT
issue-351	205	1	zieniewicz	zieniewicz	PROPN
issue-351	205	2	m.	m.	NOUN
issue-351	205	3	,	,	PUNCT
issue-351	205	4	lisowski	lisowski	PROPN
issue-351	205	5	j.	j.	PROPN
issue-351	205	6	(	(	PUNCT
issue-351	205	7	2015	2015	NUM
issue-351	205	8	)	)	PUNCT
issue-351	205	9	zmiany	zmiany	NOUN
issue-351	205	10	w	w	PROPN
issue-351	205	11	kanale	kanale	NOUN
issue-351	205	12	agencyjnym	agencyjnym	NOUN
issue-351	205	13	na	na	ADP
issue-351	205	14	rynku	rynku	PROPN
issue-351	205	15	ubezpieczeniowym	ubezpieczeniowym	PROPN
issue-351	205	16	w	w	PROPN
issue-351	205	17	polsce	polsce	PROPN
issue-351	205	18	,	,	PUNCT
issue-351	205	19	„	„	PUNCT
issue-351	205	20	annales	annales	PROPN
issue-351	205	21	universitatis	universitatis	PROPN
issue-351	205	22	mariae	mariae	PROPN
issue-351	205	23	curie	curie	PROPN
issue-351	205	24	-	-	PUNCT
issue-351	205	25	skłodowska	skłodowska	NOUN
issue-351	205	26	,	,	PUNCT
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issue-351	205	28	h	h	PROPN
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issue-351	205	30	”	"	PUNCT
issue-351	205	31	nr	nr	PROPN
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issue-351	205	33	,	,	PUNCT
issue-351	205	34	p.	p.	NOUN
issue-351	205	35	335	335	NUM
issue-351	205	36	-	-	SYM
issue-351	205	37	345	345	NUM
issue-351	205	38	.	.	PUNCT