D.Yu. Romanyuta1, 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 dm.romanyuta@yandex.ru, 2 savanna-05@mail.ru, 3anna_ovsyannikov@bk.ru