Modern pension schemes are based on the delegation of responsibility for pension provision from state institutions to individuals, which implies voluntary retirement saving. Workers for profit (independent workers in household market enterprises) hold much greater personal responsibility for...

Modern pension schemes are based on the delegation of responsibility for pension provision from state institutions to individuals, which implies voluntary retirement saving. Workers for profit (independent workers in household market enterprises) hold much greater personal responsibility for...

The risk of causing damage to the environment is quite a new challenge for entrepreneurs due to legal changes which cause the wider scope of responsibility and stricter penalties for pollution and environmental degradation. However, decisions to buy insurance to protect the company are often...