Permafrost in the NE European Russian Arctic is suffering from some of the highest degradation rates in the world. The rising mean annual air temperature causes warming permafrost, the increase in the active layer thickness (ALT), and the reduction of the permafrost extent. These phenomena represent a serious risk for infrastructures and human activities. ALT characterization is important to estimate the degree of permafrost degradation. We used a multidisciplinary approach to investigate the ALT distribution in the Khanovey railway station area (close to Vorkuta, Arctic Russia), where thaw subsidence leads to railroad vertical deformations up to 2.5 cm/year. Geocryological surveys, including vegetation analysis and underground temperature measurements, together with the faster and less invasive electrical resistivity tomography (ERT) geophysical method, were used to investigate the frozen/unfrozen ground settings between the railroad and the Vorkuta River. Borehole stratigraphy and landscape microzonation indicated a massive prevalence of clay and silty clay sediments at shallow depths in this area. The complex refractive index method (CRIM) was used to integrate and quantitatively validate the results. The data analysis showed landscape heterogeneity and maximum ALT and permafrost thickness values of about 7 and 50 m, respectively. The active layer was characterized by resistivity values ranging from about 30 to 100 Ωm, whereas the underlying permafrost resistivity exceeded 200 Ωm, up to a maximum of about 10 kΩm. In the active layer, there was a coexistence of frozen and unfrozen unconsolidated sediments, where the ice content estimated using the CRIM ranged from about 0.3 – 0.4 to 0.9. Moreover, the transition zone between the active layer base and the permafrost table, whose resistivity values ranged from 100 to 200 Ωm for this kind of sediments, showed ice contents ranging from 0.9 to 1.0. Taliks were present in some depressions of the study area, characterized by minimum resistivity values lower than 10 Ωm. This thermokarst activity was more active close to the railroad because of the absence of insulating vegetation. This study contributes to better understanding of the spatial variability of cryological conditions, and the result is helpful in addressing engineering solutions for the stability of the railway.

Presentation of modern innovation field methods of geocryological research, which were testing during «The day of science and innovation» at the geocryological field practice in Zvenigorod biological base of Moscow state university.

The article deals with the experience of regulating the issues of countering the laundering (legalization) of proceeds from crime and financing of terrorism (hereinafter AML / CFT) in microfinance organizations (hereinafter referred to as MFIs) using the example of the EU. The downward trend in the MFI market in Russia is largely due to the violation of AML / CFT legislation. In this connection, there arises the problem of regulating MFIs in this field. A comparative analysis of the system of relations between MFIs and the regulator in the Russian Federation and the EU allows us to conclude that it is impossible to apply the EU experience in the RF system at the moment. The primary measure is to revise interest rates used by MFIs to approach the understanding of MFIs in the EU.

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