D.I. Surzhik1, A.O. Kovalenko2, A.A. Bykov3, O.R. Kuzichkin4, A.V. Koskin5

1 Vladimir state university (Vladimir, Russia)

1,2,4 Belgorod State University (Belgorod, Russia)

3 Financial University under the Government of the Russian Federation (Moscow, Russia)

5 Turgenev OSU (Orel, Russia)

1 arzerum@mail.ru, 2 Alexei.Kovalenko55555@yandex.ru, 3 bykov_a_a@list.ru, 4 Kuzichkin@bsu.edu.ru, 5koskin@oreluniver.ru

U.A. Bachaev1, N.V. Grineva2

1 National Research University Higher School of Economics (HSE) (Moscow, Russia)

2 Financial University under the Government of the Russian Federation (Moscow, Russia)

1 uabachaev@edu.hse.ru, 2 ngrineva@fa.ru

V.I. Glebov1, S.Ya. Krivolapov2

1,2 Financial University under the Government of the Russian Federation (Moscow, Russia)

1 vbiglebov@fa.ru, 2 skrivolapov@fa.ru

P.B. Lukjanov1

1 Financial University under the Government of the Russian Federation (Moscow, Russia)

1 plukjanov@fa.ru

S.Ya. Krivolapov1

1 Financial University under the Government of the Russian Federation (Moscow, Russia)

1 skrivolapov@fa.ru

E.N. Ramazanova1

1 Financial University under the Government of the Russian Federation

1 enramazanova@fa.ru

M.V. Dobrina1

1 Financial University under the Government of the Russian Federation (Moscow, Russia)

1 MVDobrina@fa.ru;dobrina_mv@mail.ru