G.O. Vorontsov1, A. V. Kovalenko2, A.V. Ovsyannikova3

1, 2 Kuban State University (Krasnodar, Russia)
3 Financial University under the Government of the Russian Federation (Moscow, Russia)
1 vorontsovgo95@gmail.com, 2savanna-05@mail.ru, 3avovsyannikova@fa.ru