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crisis intervention davčna morala davčna utaja davčna zakonodaja davčne oaze davčne stopnje davčni ukrepi demografske spremembe demographic change dodatno pokojninsko varčevanje employment of the elderly financial crime finančni kriminal gospodarska kriminaliteta illegal monetary benefit independent trading info:eu-repo/classification/udc/336.22 info:eu-repo/classification/udc/336.5 info:eu-repo/classification/udc/336.76 info:eu-repo/classification/udc/368 insurance insurance company insurance fraud insurer mutual funds podaljšano zaposlovanje prolonged employment protipravno premoženje reševanje krize risks