@misc{Janowski_Andrzej_The,
 author={Janowski, Andrzej},
 howpublished={online},
 publisher={Infomila},
 language={eng},
 type={rozdział z książki},
 title={The insurance agents’ competencies as the determinant of efficiency of life insurance companies – relationship approach},
 keywords={agents, effectiveness, life insurance, management},
}