00497naa#a2200169#i#450# EN\NORMA\bibl\6187 20260328105703.6 1605-6590 20150625b2015####ek#y0engy0150####ca RUS RU Legal Standards of Retirement Insurance and the Russian Actuarial Pension Plans Journal article Moscow Legal publishing house Norm 2015 0 с. Journal article local Zakharov Mikhail zh-szf.ru