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events that are happening right now and affect our lives. of course, the news feed reports on them. however, it was not enough to know what was happening. it is necessary to understand. antin borkovskii and invited experts soberly assess the events, analyze them, modeling our future. every saturday at 13:10 with a repeat at 22:00. zahid studio with anton borkovsky on espresso. verdict with serhii rudenko from now on in a new two-hour format. even more analytics, even more important topics, even more top guests, foreign experts, inclusion from abroad, about ukraine, the world, front, society, and also feedback, you can front, society, and also feedback connection, you can express your opinion on the bad day with the help of a phone survey, turn on and turn on. the verdict

with serhii rudenko, from tuesday to friday from 20 to 22. an unusual look at the news. good health, ladies and gentlemen, me called mykola veresyn. sharp presentation of facts and competent opinions. for example, if mykola veresin had done so, he would have gone to prison, a special view on events in ukraine, so it is not necessary to say that the fish rots from the head, no, not from the head, and beyond. who is china then, my heart aches. all this in an informational marathon with mykola veresny, saturday 17:10, sunday 18:15 at espresso. the information day of the espresso tv channel continues, 2:33 p.m., so what, we will inform you about all the most important things in the espresso studio live, marta olyarnyk and antin borkovskyi and we are adding halyna kuts, deputy of the kharkiv regional council, to our broadcast. mrs. galina, we welcome you. you see, glory to ukraine,

glory to the heroes, congratulations. well, a couple of days ago , the russian enemy attacked kharkiv with the cassette iskander. they last used a similar missile on september 10, 2022. volodymyr tymoshko, the head of the kharkiv region's main administration, said this. so, what about the shelling now, mrs. galina, we understand that the enemy is trying to regularly attack your glorious city. well, it was actually july 24 just endlessly since 5 o'clock in the morning, something was constantly being heard somewhere, and we also had a meeting of the regional council that day, and this cassette iskander, which fell, just during the meeting, i then ran into the corridor and the entire apparatus of the regional council was running around the corridors , our meeting was short, we had to urgently vote on important issues, and it was so loud, and it was all day long... something was falling,

something was flying and of different types, and indeed, kharkiv became a kind of testing ground for new enemy missiles , because - this cassette iskander, this is a really nasty weapon even in broad daylight, when these fragments hit people who were far away and injured those people. in addition, yesterday in kupyansk, in kupyansk, they also tested a one-and-a-half-ton aerial bomb, fap 1500, although before that, they were such small aerial bombs, they flew in and fell, and the zone of damage was small, they tested and are for... the threat that they will test it on kharkiv residents as well, and now we do not hear air alarms, well, they are not heard, not because they are not there, and because we set a new record, here we have two days, well , an air alert lasted for 50 hours over two days from july 23 to

yesterday evening, yesterday there was a setback literally for a little bit and again from zero hours, we have there is still an air alert, we simply do not hear them, but the kharkivs... i don't know that this is not because they are not there, but because we are constantly under the threat of shelling, because the enemy has become too active again in all directions in the kharkiv region. mrs. galano, as far as we know, is the longest continuous in kharkiv and kharkiv region anxiety at the time of a full-scale russian invasion, what do you think and what do you associate such activation with, or has the enemy now moved on to some, you know, his next psychological terror, what do you think? can you explain this to yourself, why do you think that he has now started to search kharkiv oblast so actively? well, actually, since they advanced south of kupyansk, the village of pishchany, and there is the oskil river, there are not many kilometers left, they cannot take the kupyansk

junction, which they really need, because they need logistics, and it is very easy there, if they, god forbid, they will take him, he will bring them weapons, resources, and so on, and they first entered: from the west through the volchan direction to take kupyansk, nothing comes out of them, our glorious armed forces hold them back, now they they went from the south and now they took the sandy one, they were very happy, they became more active and think that very soon we will already surround this kupinsky vizlovy, all resources will be brought in and it will be easier for us, and we will go on to surround kharkiv, and this is to strengthen the polish mood in kharkiv to show that not everything is good with you, but they are the kharkivs are calculating this... they are not used to living in such a regime, and in principle, a lot of us have been reoriented not only psychologically, many are already reoriented to underground activities, underground schools are being built, our people already know how to behave in those conditions and in

in principle, well, they help each other, in principle, it’s just that the enemy doesn’t know us very well, and it’s to our advantage, see, you mentioned that the enemy would like to... mrs. galina, the enemy would like to achieve panic-inducing, yes, in particular in kharkiv, and you mentioned that that the people of kharkiv do not give in, we understand that it is difficult, there is its own kharkiv specificity, and we understand that at one time there were a lot of people in kharkiv who associated themselves with the russian federation or this or that russian formation of the imperial plan, other , now the war, as far as we understand, has reset those sentiments, but if we talk about attempts to shake up the situation in kharkiv from the inside, as with everything, as with stability, of course they shake it up, but now we have two days already social networks there was a long discussion about toponyms, well, because kharkiv waited, today is the final day

when the decree of the head of the military administration should be issued, the completion of that toponymic discussion, and just yesterday evening... the day before yesterday , those people became active again, you know, zhduns, i would call them , and what should be renamed lermantovskoye, and what did he do badly, he wrote goodbye not russia, that is, it is becoming more active, i will not say that they do not exist, but again, from the point of view of political science, i will say that it is still decisive in the political process there is always an active minority, not a passive majority, but an active minority in kharkiv, it is very patriotic, and it is precisely to... and will listen in the end, so that i, whatever we say, but the renaming of streets, mrs. galina, you already mentioned this topic, and we understand that kharkiv has its own specifics, yes, well, we would really like to choose some or other representatives of zhdun communities, some neutral,

neutral names like voloshkova street and so on, unfortunately, mr. antin, and it happens like this because, well, look, announced the worker the group that will rename three metro stations and referred to kuts, that is, to me for my appeal, which i asked for, that is , they took my e as a basis, if it was about a request, well, of course. i am not asking by myself, i am writing what was asked, voters are asking me, and uh, and in fact two metro stations, as i asked to rename the heroes of labor station to saltivska, and the agarya avenue station to levada, well, such more historical names, and one station is the malyshev plant, well, it is a well-known tank plant, i asked to rename the tank plant, no, zavodska, people, well, factory, well, this is some kind of depersonalization of space. well, why not, or you know, gagarin avenue, well , people asked, rename it to the historical name,

zmiivskyi shlach, or zmiivskyi avenue, this town of zmiiv is located there, it seemed so useful, we have poltavaskyi shlach street, it would be zmiivskyi road, no, aerospace, then there are ongoing discussions to rename lermuntovska street to mike johansen street, a famous kharkiv poet who then lived, who lived on that street, who then lived in slovo's house. which from repressions died, before the shot dead revival, no, lyarmatovska, let's make it poetic, and we just have two days, and i was included in those discussions, in those explanations, i was simply explained endlessly to everyone in history, explained, study your own, these are our kharkiv people, why is there no vasyl mysyk street, and what is it, that is, it has been going on for two days, and today we are waiting with a dying heart for the order of the head of ovaba. the last day, in the evening, it will probably be, what will happen there, i think that those waves have already touched

that working group to which i was not invited, although my appeal was taken into account, well , in fact, i was not invited to this meeting, i waited, i would have explained there, well, somehow it was formed quietly, quickly, but decolonization must go, because and you have to mentally get rid of it, and you know that there are still such waves, the same dunes, mr. antin. it is difficult, but if only some appeal appears, then the authorities are already coming to meet it and quickly change it, and they cannot

give the janitors to cut tasks for the janitors, you understand, at one time it was, so to speak, true the support of any government, well, in our country i say the janitors, and now everyone is very grateful to them, they work very hard, we have endless explosions, shelling, we have a very clean city, it's just a very, very clean city, that's why our believers are so busy, i often already... thank you for everything, but they say that there are so few of us, and they say that we do not cope like this, so this, well, i, maybe someday later they will give it to the janitors, but now we have these services, we simply take care of them very much, they, they keep us afloat with this cleanliness and attention, ok, thank you, mrs. galina, we understand that the janitors can really have a lot to do, but while the holidays are on, let's hope that ukrainian language teachers and history teachers will respond promptly, and they will write, if not to ms. galina kuts, then to the relevant structural units of the regional military administration. we were

contacted by halyna kuts, a member of the kharkiv regional council. we are going to take a short break now, so after it we will continue the broadcast. there are discounts that represent the only discounts on foam steel 15% in pharmacies plantain to you save. these again disconnection. did you not have time to charge your phones? sit in... hemryava is also not an option. unpack tv has a solution for even the toughest blackouts. solar batteries, energy plus. energy plus is an innovative development. many uses in one. a portable solar station, a reliable flashlight, a source of full-fledged light and , of course, a power bank. order now while the special prices are valid. energia plus solar batteries are ready for use immediately after receipt. three options for any request and many more methods of application. ask about the model with

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week, analysis of the causes and consequences of these events from experts, forecasts of the development of the situation for the current week, the opportunity will be delivered. your own questions and join the discussion, spend the final monday evening with us and confidently step into the new week. the new week project with khrystyna yatskiv and andrii smoly every monday at 8:00 p.m. on espresso. i congratulate you. this is svoboda live on radio svoboda. we have already come to the very point snake the following shots may shock you. news from the scene. live kamikaze drone attacks. political analytics. objectively and meaningfully. there is no political season, exclusive interviews, reports from the hottest points of the front. svoboda live frankly and impartially. you draw your own conclusions. the information day of the tv channel is ongoing, so what, we will now include olga lobaichuk,

head of the department of protection of the rights of consumers of financial services of the national bank of ukraine. glory. mrs. olga, we congratulate you, glory to the heroes, congratulations, well, full-scale russian aggression and war, they revived insurance, well, at least it seems so to us with marto ulyarnyk, so that people began to pay more attention to this type of service, but we understand that where there is insurance, there are honest ones, no too virtuous and not at all virtuous insurance structures that formally give so-and-so all policies, yes, but then they do not fulfill. assumed duties, well, according to you, as a representative of the regulator, how to deal with the whole matter, perhaps there are already established additional systems of criteria, filters in order to help our citizens, who , trying to save a couple of hryvnias, can then fly away with what is called insurance, insurance payments, yes,

of course, in fact, just now the legislation on fraud has been completely updated literally from july 1 of this year . and now we are very actively involved in checking those insurance companies that this legislation has to comply with, it is very new and, accordingly, directly provides for the implementation of the directives of the european union and radically changes provision of insurance services in our market, because, unfortunately, there are indeed insurance companies that offer products that actually do not bring any added value to the consumer, that is , the person does not receive any payment or compensation, losses, so actually... we have established additional requirements for disclosure of information and in accordance with contracts, and these requirements are currently being verified by our insurance companies and their intermediaries, because as you know, insurance is very often not sold by the insurance companies themselves, but people buy it from the insurance companies intermediaries, it can be various dealers in equipment, for example, or banks and the

like, so actually we are checking all these things very actively at the moment, and indeed insurance services, based on the results of such checks , will become much more profitable, more transparent for citizens, but no one has ever will release a person from the obligation to still read the contract in front of you, how to sign it, this is what i always urge, no matter how good we make it, it must be read , and what ukrainians are most actively insuring now, or from what they want to insure, we are talking about insurance of property, health, finances, cars. in fact, there are mandatory types of insurance that are provided for by law, this is a car insurance policy, everyone knows it, it is mandatory by law, of course, car owners always buy it, it is... there is always a casco, we know that when a person buys especially a car on credit, she is very much asked to insure this property against future losses, it is that this type of insurance, which

is optional by law, but it is reasonably required when a person buys it in a loan, or actually a new car in car dealerships, and of course travel insurance, because it is also mandatory when traveling abroad, which now, in principle , happens quite often among our citizens. that they go there to visit their relatives or go abroad for some other reason. accordingly, there are no other active surges of voluntary insurance, such as property, there is any kind of property, as of today, unfortunately, there are no simply because these are very high risks during the war, and this is a separate big job, namely insurance military risks, which the team of the national bank is currently conducting is initiating the corresponding draft law, as of today , the institution. people use mandatory types of insurance because they are required by law, or actually such typical

products for motorists and those who often travel abroad, which are offered by insurance companies, usually these are the same insurance companies that people are used to what services they use. mrs. olya, look, you said a couple of minutes ago that you should read the insurance policy very carefully polis, we understand that our public is understood in the geopolis. these, in chinese diplomacy, in anything, well, but documents are not always read, which in your opinion should be the first thing to pay attention to when people read it, especially when working with one or another little, little promoted without any special of insurance experience of the company, well, first of all, these are insurance cases, that is, the list of insurance cases is specified in the contract, this is what a person actually does. executes his property, health and so on, that is, depending on which one it is insurance product. for example , the most popular casco is very often not included in

the list of insurance cases of damage to the paintwork of the car, that is, something that happens very often, there is a scratch somewhere or something else, in fact, according to the terms of the contract, it is not covered by the insurance, because the person did not read what insurance cases are specifically covered by this product, and this is , according to the analysis of appeals, a very frequent question to... us from consumers, because they really did not read through, of course, in addition, you still need to read the list of insurance exceptions, that is, what the contract does not cover in general, for example to understand from the popular, very often, when we buy equipment, we are offered insurance, which is like some kind of additional super guarantee, if something happens to the device or equipment that we buy, in fact, a list of insurance cases there is, for example, warranty service from the manufacturer, and accordingly... you have to expect some kind of repair, anyway from the manufacturer, and this insurance that we buy will not help us if something happens to this equipment that we buy, and of course , order

human actions, according to the contract, when an insured event occurred, because very often it is written very clearly in the contract, that literally within several hours, the number of hours is indicated, it is necessary, for example, to notify the insurance company about a road accident, if this condition is not fulfilled by the consumer, that means he does not... fulfill his obligations under the contract and in the future it will be very, very difficult for a person to receive insurance compensation, this is only an appeal if it goes through the court, because de facto a person should have familiarized himself with his course of action, but did not got acquainted, these are the main things that, unfortunately, very rarely people pay attention to, but i highly recommend that you pay attention to it, ask questions to your insurance company, clearly understand what you insure, for what amount and in which cases you have there will be no insurance compensation, ms. olga, well, it’s just that i myself personally encountered insurance companies, unfortunately i had an unfortunate incident, yes

, a road accident, it’s good that the car was insured, full comprehensive insurance, and i will not call the company insurance now, i will not do advertising , but she always came to my appointment, let's say, and even when i applied a little late, because i forgot about it somewhere because of excitement, then everything was fine, if i was satisfied, but i understand that it is possible in my case.. well, it is not a common practice, maybe there are certain insurance companies that do not really want to pay out these funds, in fact, if an insurance event occurs, what points do you advise to pay attention to when choosing an insurance company for yourself in order to not to burn out and be sure that in the event of an insurance event, the company will not turn away from you, but will help, a good question, in fact, right now, in addition to... this reform for the protection of consumer rights, namely the requirements for information, for contracts, very significant requirements for the solvency of insurance companies have also been established. actually, there are problems with sweating.

the reason is that it is very difficult for the insurance company to make payments even when they are directly stipulated in the contract for the consumer, and this is also a major reform of compliance with the eu, my colleagues are engaged in, and i will say right away, this is something that has also been implemented since july 1 of this year, that is , there are indeed insurers on the market who can take all actions, let's say, in order to somehow reduce the payment or extend the term of its fulfillment for the consumer . but with these requirements, such insurance companies will soon not remain on the market, i will say right away, this is the main purpose of such requirements, now you can see on the website of the national bank, information is constantly being published about the voluntary exit of certain insurance companies from the market, because no understand that they will not be able to meet these requirements, and of course there will be insurance companies that will most likely be taken out of the market by the decision of the national bank, as such, who do not meet these solvency requirements, this is

still a lot of work. but i think it will take us a reasonable short period of time to verify these requirements, and i think that soon we will be able to remind consumers that all the companies that we have on the register, that have the appropriate licenses, provide quality services and payment will be in accordance with the contract, as it should be, and if they suddenly don't want to pay out or start misinterpreting relevant provisions in the insurance contract, who... to turn to, well, our people would always like to find one or another state patron in such situations before running to court and trying there, oblige the insurance company to implement the relevant provisions, of course to the national bank, we have a separate page on the website for the protection of consumer rights, we have an open hotline where people can of course call, they are there they will advise, the application form on

the website is online, where you can even reinforce it. here are all the documents that we have, which will help us to understand the specific case very much later, we still consider such appeals and try to objectively assess whether the person is really complaining, actually about the illegal activity of the insurance company, or they just didn't finish reading that verse, too unfortunately, it happens that if due to the illegal activity of an insurance company, we as a regulator have mechanisms to influence the elimination of those violations that we discovered of this insurance company, so of course contact the national bank. accordingly, my unit is responsible for this, and we would appreciate information if any of our subordinates comply. very briefly, ms. olga, we have a moment, if i am not mistaken, there are currently 78 classic insurance insurers in ukraine, and i understand that when this new law, if it is adopted, will come into force, then this figure will be much smaller, and how do you predict how much less they can become? the law is already in force, we are checking them,

i will say right away, it already is. a certain amount insurance companies, i would not like to name the number, because the decision on them has not been made by the regulator, which are voluntary, that is , there will be even fewer of them, and of course there will be a certain number that will not be able to cope with the additional solvency requirements by the end of this year, there is a certain transition period , when the insurance company has the opportunity to fulfill these requirements by submitting the appropriate plans, how and where, it will find funds for its owners and management, and if the insurance company is liquidated, a person will receive some kind of compensation... well, if an insurance event occurred at the time of liquidation of the insurance company, yes , that is, it is declared, accordingly, that a person really has the right to payments, then after the court appoints a liquidator, the liquidator must satisfy these, in fact, all requirements, when the liquidator has sold everything, satisfied there in the order of priority of payments, then, if it is compulsory insurance, how autocivilka, for example, we have a motor transport bureau, which is obliged to pay all victims the compensation to which they are

entitled. thank you, but after the completion of the liquidation procedure, it is important, olha lobaichuk, head of the rights protection department of consumers of financial services of the national bank of ukraine was on our airwaves, now at 15 o'clock, which means that news time has already passed, and we are handing over the floor to our colleagues. iryna koval is ready to tell us about the most important things, so ira, we congratulate you, we give you the floor, and we understand that today the attention is focused on the courtroom, where today they have to choose a preventive measure for the probable, so suspected of... murder of iryna farion, we hope you can give us more information on this reason, so we share the word with you. thank you, marta , as a matter of fact, there will be information about this, there is currently a hearing on the case of the murder of irina farion, i will tell you when the trial will take place, to what time it was postponed, and of course, there will be information about the situation in various regions of our ukraine, because the enemy continues to terrorize our cities, so wait for more details on.