EXPERT ASSESSMENT OF THE ENVIRONMENTAL RISK OF TECHNOGENIC NATURE – AN ELEMENT OF THE ENVIRONMENTAL POLLUTION LIABILITY INSURANCE OF THE INDUSTRIAL ENTERPRISES

The article deals with the issues of insuring the environmental pollution risk in economic enterprises. In addition, the research outlines the structure of the environment with reference to the operations of enterprises with hazardous waste production; it also analyses the elements of the environment and the risk factors, which determine the risk situations in the industrial enterprises. Finally, the article discusses the primary role of environmental pollution liability insurance within the concept of risk management in the industrial enterprises

Good practices in the management of tourist agencies

The purpose of this article is to identify good practices and opportunities to provide a competitive advantage to the tour operator business in the contemporary business environment. Specific proposals are made for their achievement, related to the diversification of the offered product and the adding of additional user value; changes in the management of this type of specific activity; automating business processes; designing additional activities; image building, etc. There are also issues, in this paper, related to the application of modern information systems in the management of the activities of the travel agencies. Attention is focused on cloud systems and software services, which, in addition to helping to improve their processes, also provide the opportunity to redistribute resources to manage creative and intellectual processes related to the production of a travel product (packages, excursion routes, etc.) and its placement

State and development of the cruise industry

The turbulent and dynamic development of the cruise industry provokes serious interest due to a number of factors, including the creation of a huge number of jobs in the tourism sphere, the introduction of a new model in tourist trips, the promotion of destinations, the role of innovations in the development of cruise tourism. The aim of the article is to track the state and the development of the cruise industry, to highlight its specific features, to study the demand and supply patterns in this field, and to highlight the trends in this area. By factoring analysis, situational analysis, comparative analysis and synthesis, answers are sought to questions related to its prospects for growth and its impact on the development of tourism

Exploring Changes in Diagnoses during the COVID-19 Era: Comparative Analysis

The healthcare sector is just one of several areas of society that have been significantly impacted by the COVID-19 pandemic. This paper aims to analyze the changes observed in the medical profession’s approach to diagnosing diseases between the pre-pandemic year of 2019 and the pandemic year of 2020. By examining these shifts, we explore how medical professionals have adapted their treatment strategies, leading to modifications in diagnosis for various diseases. Based on our visualization, shown in Figure 1, we observed that the diagnoses of Obstructive Sleep Apnea and End stage renal disease had consistent distributions in both 2019 and 2020. Also we need to mention, the count value for Obstructive Sleep Apnea was higher in 2020, whereas in 2019, the count value was higher for End stage renal disease, showing their representation in each year. We can conclude that the pandemic has resulted in a marked increase in the occurrence of specific diagnoses compared to the previous year, some of them being acute pharyngitis-sore throat (J029), gastro-oesophageal reflux disease (K219) and pure hypercholesterolemia - unspecified (E7800), as can be seen on Figure 1. A notable variation can be observed when examining the months of November and December in 2020. In these months, the diagnosis Contact with and (suspected) exposure to other viral communicable diseases transitions from the third to the second position, indicating a higher occurrence of COVID-19 in December compared to November. This shift in ranking provides valuable insights into the increased prevalence of this diagnosis during the month of December. Through this analysis, we aim to examine the transformations that have taken place as a result of the pandemic, particularly in terms of the diagnosis of a specific disease, which has undergone notable changes compared to the pre-pandemic period. We highlight several significant changes that have occurred in defining diagnoses, showcasing the variations observed over the course of a year.Book of abstract: 4th Belgrade Bioinformatics Conference, June 19-23, 202

Insuring of Bank Deposits

The article focuses the actuality of the questions for the deposit insuring in the conditions of undetermined market environment. Examined are the interrelations “bank-client-insurer” in the voluntary insuring of the bank deposits. Analyzed are the specifics and problems of the deposit insuring in Bulgaria. Revealed are the state and the conditions for developing the deposit insuring of the national financial and insuring market.

Innovation of products with general and local antioxidant effect, based on the results of independent studies on the antioxidant potential of the Bulgarian medicinal plants

Based on the results of an independent study of the antioxidant properties of aqueous extracts from traditional Bulgarian medicinal plants by the research team of the Department of Biochemistry, Molecular Medicine and Nutrigenomics of the Faculty of Pharmacy in the Medical University of Varna, Pharmaceutical laboratories THALLODERMA presents two new products with local and general antioxidant focus - Thalloderma VITA, Face Cream, Antioxidant and Thalloderma NUTRICA, tincture, Antioxidant developed