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\begin{tabular}{p{7cm}}\textbf{\large Ulyanovsk State University}\\
42 L. Tolstoy Street\\ Ulyanovsk 432970 Russia \end{tabular}
&
\begin{tabular}{p{6cm}} Math \hfil Cybernetics \hfil \& \hfil
Informatics\\
Phone: \hfill +7 (8422) 32-9224\\
Fax: \hfill +7 (8422) 41-2340\\
E-mail: \hfill \texttt{SemoushinIV@ulsu.ru}\end{tabular}
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&&&\hfill {\footnotesize 12 January 2004}
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\centerline{REFERENCE to {\bf Serguei Ianine}}\\
Admission Committee,
\emph{Mathematical Finance Program},
University of Toronto,
720 Spadina Avenue, Suite 219,
Toronto, Ontario, M5S2T9 Canada
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I know Serguei Ianine since September 1988 when he began his studies
of Applied Mathematics in Lomonossov Moscow State University Branch
founded that year in Ulyanovsk where I served as Faculty Dean and
Department Head. His mathematical abilities soon singled him out
of all the students and he kept the first rating till graduation
in June 1993.

We started a tight cooperation in September 1990 when he chose to
major at Mathematical Cybernetics and Informatics department under
my supervision. He developed three projects on: ``Numerical
algorithms of U-D matrix factorization'', ``High dimensional
Kalman filter implementation'', and lastly, ``Stochastic systems
adaptive identification'', all marked as excellent. While doing
the projects, Serguei has proven to be not only a qualified
mathematician, but a practised programmer as well. His high
standard of mathematics knowledge and research activity were more
than once demonstrated by participating in our Annual Student
Scientific Sessions and regular seminars. Serguei has earned among
peers the reputation of creative, well-organized, and
clear-thinking individual not stopping half-way to his chosen goal
and always ready to help others and able to support team spirit
though it were a joint research project or playing football.

Consequently, I consider myself entitled and knowledgeable to
claim that Mr. Ianine, owing to his excellent mathematics
background in applied linear algebra, numerics, differential
equations and stochastic processes filtering, prediction and
identification, will be a promising student in your Master of
Mathematical Finance Program. I consider Mr. Ianine a person of a
large cultural respiration and sensibility who could bring a
positive emotional atmosphere to the group relationships that he could
develop.\\

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\noindent Sincerely,
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\noindent Innokenti Semoushin, D.Sc. (Eng)\\
Department Head and Professor\\

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