@article{Utkin2015improvement,
author={Utkin, N.I. and Dashko, V.M. and Nikitin, S.V.},
title={IMPROVEMENT OF FIRE RESIDENTIAL INSURANCE},
journal={Problems of risk management in the technosphere},
publisher={Saint-Petersburg University of State Fire Service of Emercom of Russia},
year={2015},
pages={102-108},
volume={2015},
issue={2},
}