主题词：Insurance and Financial Risk Management; Insurance, Mortality, Demography, Risk Management; Financial Literacy, Pension, Retirement Analysis; Economic theories and models; Decision-Making and Behavioral Economics; Healthcare Policy and Management; Law, Economics, and Judicial Systems; Risk and Portfolio Optimization; Global Health Care Issues; Agricultural risk and resilience; Stochastic processes and financial applications; Banking stability, regulation, efficiency; Housing Market and Economics; Financial Markets and Investment Strategies; Economic and Environmental Valuation; Probability and Risk Models; Risk Management in Financial Firms; Monetary Policy and Economic Impact; Credit Risk and Financial Regulations; Flood Risk Assessment and Management; Consumer Market Behavior and Pricing; Auction Theory and Applications; Gender, Labor, and Family Dynamics; Fiscal Policy and Economic Growth; Climate Change Policy and Economics