@misc{Janowski_Andrzej_The,
 author={Janowski, Andrzej},
 howpublished={online},
 publisher={[Nakł.aut.]},
 language={eng},
 type={materiały konferencyjne},
 title={The competency management in insurance sector - opportunities and threats},
 keywords={agents, competencies, effectiveness, insurance companies, management, provision},
}