E.I. Kublik1, M.S. Chipchagov2, I.E. Tsvetkov3, A.S. Vyugina4

1–3 Financial University under the Government of the Russian Federation (Moscow, Russia)

1,4 Russian Technological University MIREA (Moscow, Russia)

1 ewkub@mail.ru, 2 MSCHipchagov@fa.ru, 3 ietsvetkov@fa.ru, 4 annasvyugina@yandex.ru