?? ?? ?? ??? ???? ???? ?????? ?????????? ????, ?? ?? ???????·??? ???? ???? ??????? ???? ?????????? ?????? ?? ?????????????? ?????? ?? ??? ?????????????????????, ??????????? ?? ???? ??. (??????? ??? ???????? ??? ??????????????????)???? ?? ??????? ??? ?????? ?? ?? ??????? ??? ????????????- Studies/solutions for effective funds management and red