@article{Kalacheva2025availability,
author={Kalacheva, E.A. and Gavrilenko, I.V.},
title={Availability Assessment of Insurance Services  on the Russian Financial Market},
journal={Bulletin of Kemerovo State University. Series: Political, Sociological and Economic sciences},
publisher={Kemerovo State University},
year={2025},
pages={170-180},
volume={10},
issue={1},
}