1. THE ACCUMULATED FUND AND THE RATE BETWEEN THE PENSION AND THE SALARY SIMULATION. Authors: CRISTINA CIUMAŞ.2. MODEL FOR DIFFERENTIATION OF THE AUTO INSURANCE TARIFF. Authors: CRISTINA CIUMAŞ.3. PORTFOLIOS OF RISK TRANSFER TECHNIQUES – RESULTING FROM INSURANCE SECURITIZATION / LE PORTOFEUILLE DES TECHNIQUES DE TRANSFERT DE RISQUE - RÉSULTAT DE LA TITRISATION EN ASSURANCE. Authors: OANA TRUŢĂ, CRISTINA CIUMAŞ.