First Author:   Sophiko Skhirtladze International School of Economics at Tbilisi State University s.skhirtladze@iset.ge         Second Author: Zurab Abramishvili International School of Economics at Tbilisi State University z.abramishvili@iset.ge         Third Author: Giorgi Papava Ilia State University giorgi.papava@iliauni.edu.ge         Fourth Author: Irakli Barbakadze International School of Economics at Tbilisi State University irakli.barbakadze@iset.ge