“FINANCIAL MARKET RATES AND WAYS TO INCREASE THE EFFICIENCY OF THEIR USE”, Amer. Jour. of Peda. and Educ. Rese., vol. 14, pp. 114–117, Jul. 2023, Accessed: Oct. 05, 2025. [Online]. Available: https://americanjournal.org/index.php/ajper/article/view/1089