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Il calcolo del tasso di rimborso nelle polizze vita a premio fisso rappresenta una delle operazioni attuariali più critiche e sensibili dal punto di vista tecnico e normativo, richiedendo un’integrazione rigorosa tra metodologia attuariale, normativa italiana e sistemi informativi. A differenza di altri prodotti assicurativi, la natura “a riserva determinata” delle polizze a premio fisso … Read more

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1. Introduction: Tracing the Roots of Fishing Fishing has been a cornerstone of human survival and culture for millennia, evolving from simple hand-gathering to complex technological systems that shape both ecosystems and societies. This journey—from ancient hooks and woven nets to sonar and GPS—reveals a dynamic interplay between human innovation and natural balance. Beyond recreation, … Read more

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