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asigurare pentru daune situatie financiara protectia consumatorului moneda electronica calcul actiuni assurance agricole delegati ai personalului delinquency piata unica europeana companie fondatoare asigurari de viata regulations for civil servants statutul functionarului public rural environment situation financiere sanctiuni economice abuz de putere conturi nationale dispute settlement desastres naturels clientela insurance premium personal insurance labour contracts propriete privee asigurare agricola equipement electronique code de commerce regulations concurrence droits compensateur proprietaires inegalitate sociala Codul comercial natural disasters legal person salariati public administration piete agricole taxes shares seceta licenciement declaration d'impot debt repayment labour code capital strain imbatranirea populatiei ownership publications en serie documents employes labour market despagubire life insurance financial administration sociologie public law marche du travail 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