Assoc. Prof. Dr. Radostin Vazov, Vice-Rector for European Projects and Continuing Education at the Higher School of Insurance and Finance, Head of the Department of Insurance and Insurance at VUZF and co-organizer of the conference: "The overall organization and the efforts for the realization of the conference, which the colleagues have basically delivered, are impressive and we appreciate it and thank them. The event is remarkable and all the contributions deserve their attention and the quality speaks for itself."