CONTENTS From the Editorial Committee .................................................................................. 5 Piotr Adamczewski: Knowledge transfer and innovation support as exemplified by Wielkopolski ICT Cluster ....................................................................................... 7 Aleksandra Badora, Saad Obaid Fayyadh: „Silent hunger” in the context of some chemical products of industry ...................................................................................... 19 Boguslaw Bembenek, Marzena Frankowska, Katarina Havernikova: Cluster policy as a determining factor for development of world class-clusters ...................... 35 Igor Britchenko, Viktoria Stoika: The need for creating an effective risk management in commercial banks of Ukraine ............................................................. 59 Lidia D. Czarkowska: Four pillars of personal agency of an entrepreneur: harmony in emotions, cautiousness in thinking, respect in relations and courage in action ....... 75 Fryderyk Czekaj, Justyna Stecko: Importance of trust and trust management by organizations ........................................................................................................... 93 Sylwia Dziedzic: Eco-innovative awareness of young women and men as an element of eco-innovative management of region development ............................................... 103 Józef Forystek: The underground system of justice in The Home Army's Rzeszów Sub-region .................................................................................................... 125 Jaroslaw Ignacy: The development of management control as a new public management tool – diagnosis of Polish municipalities in the light of empirical research ........................................................................................................................ 145 Natalia Jergova, Lucia Bednarova: Human capital investigation and identification its key criteria of the article .......................................................................................... 161 Oktawia Jurgilewicz, Aleksandra Piskorska: Some remarks on the meaning of "security" ................................................................................................................. 167 Katarzyna A. Kurek: An approach to geothermal resources as a regional development driver in Poland ...................................................................................... 175