we wish that your verses and prayers will be accepted by god. we arrived at four in the morning. the free market rate is not related to basic goods and legal imports, but smugglers and those who intend to withdraw capital from the country are looking for it. in a conversation with khabar 21, the governor of the central bank, while announcing the statistics of the decrease in liquidity growth last year and the positive trade balance of the country, said: there is no shortage of foreign currency for the import of basic goods or any type of import.

legal goods and services do not exist and will not have an unofficial market rate related to the import rate of goods does not have. some people put the informal market price on the board and present it as a disturbance , and they are trying to reflect this in the price of goods. we have absolutely nothing to do with the rates of the channels , we have nothing to do with the informal market rates, we ourselves constantly announce that anyone who has any legal needs should come , we will supply them at the exchange center at a rate below 40 tomans. we have offered close to 50 billion dollars for importing all other goods means that everyone legally wanted goods in the country enter and even wanted to use a service , he could have used z-width with a

fluctuating rate, but this channel is 2, 3, 4, 10, not more than if we constantly put that base rate in the market of goods and services, this gives wrong signals. and without fear of apprehension in the market, mr. farzin also pointed to the political developments in the region with the increase in the global price of metals in the last few weeks and said: the central bank will continue to provide the currency needed by applicants for the legal import of goods or services such as meeting medical needs and students or travelers will continue and soon the non-market officials will also control the land. fluctuations in all financial markets are caused by the fear that prevails in the markets, especially in the middle east, and in

the case of our country, due to the political issues that have happened, a fear has affected the rate of the canal. the rate of the informal market is the rate of the informal market . what is the transaction rate? the transaction rate is contraband and capital flight . it is not the official rate of the country. it is the rate of smuggling and capital flight. that rate is affected by that rate. we do so so to speak it should not increase, but now this rate is temporary , which means, god willing, it will decrease soon. the duty of the president to the ministry of economy and the organization of planning and budgeting avoid adopting policies that lead to instability in the market and increase the class gap . addressing the economic officials, mr. raisi said: creating peace and well-being of the people. people

are one of the main goals of the government and all officials should be the basis of work. try not to make it expensive, and if it wants to happen, it should be managed and planned , that is, the work organization of this case should be in the device itself and finally in the market regulation headquarters, which mr. there is an informant to confirm that yes, the cost has been spent so much, this should be done with a method, not for people to read at night. identify that producer arbitrarily do an increase. referring to the explicit and transparent demand of the leader of the revolution regarding the issue of hijab, the president said: the bodies in charge of culture, including radio and television , should provide the necessary platforms to promote hijab and observance of hijab in the society as much as possible. mr. raisi also confirmed the efforts. the ruler of the government

called the supreme leader of the revolution an honor for the people's government . these efforts are coordinated when continuous efforts sincerely for the sake of god and for untangling people's lives, it is very valuable and effective. another point to mention is that besides the sweets, there is a series of bitterness that should be taken as a quick, revolutionary and effective action in order to transform the bitterness into the palate. ha to shirin kami in this meeting of the city. tehran also announced its efforts to provide a fair explanation of intellectuals and basic goods. we had a meeting with the trustees, in fact, the citizen of mayadin, a memorandum of understanding was drawn up, which

will be signed by both parties today, and god willing, he requested that mr. president, the method of emphasizing speedily in tehran. it should be operational and god willing, this cooperation between tehran municipality will be carried forward. and the ministry of jihad is very blessed, god willing. we also thank mr. zakani for taking over this capacity of the municipality so that the people can get the right goods at the right price and get a fair explanation. we are really praying and appreciating our friends. the third phase of fajraneh electronic goods plan is starting from today , in the form of this plan, the first to seventh tenths of the income of the electronic goods items are discounted by 220,000. they buy meat, chicken, and eggs , pasta, liquid oil, rice, sugar, beans, cheese, yogurt , and milk. these

are 11 items of the electronic product plan, 11 items that are in the third and last stage of the plan. e-leaf products are offered to beneficiaries with a discount. this stage is like the two stages of qibla, 220 tomans per member of the family will be credited, and tenths 1 to 7 are included in this farjaneh plan. you have now bought all these 11 pens . there is 523 tomans, the difference is 20 thousand tomans, the discount is actually 520 toman 23 tomans. they charge me 220 tomans, which is a credit. now, one person did not want to buy all 11 pens. he asked us to buy some of these 11 pens. how do i want to buy dairy products? i have low milk. i will receive 15 thousand tomans . in fact, yes, i want to buy a cheese discount of 8 tomans. if i want to buy meat

, i will get a discount of 75 tomans. if i want to buy three pieces, i will get a discount of three pieces. if i want to make a total purchase of 11 pieces, i will get a discount. if i receive 20 and 20 thousand tomans, it means that each item purchased will be given its own discount, this is the total a discount of 220 thousand tomans is available. 60 million people are included in the electronic product plan, which can receive services related to this plan from 220 thousand stores nationwide. this is the last stage of the sale of electronic goods, which continues until the 18th of may, and a decision will be made after this date. how should the electronic catalog plan continue? farzad azaribaga, sed and sima news agency. our country's researchers have succeeded in inventing a new method to restore lost bones by using hydrogel nanoparticles, according to

the announcement of amir kabir university of technology. natural and inexpensive materials such as silk fibers have been used to make hydrogel. this product can be used to produce natural bone tissue. to be a replacement for missing bone parts in cases of bone grafts in the road industry and the pharmaceutical industry. in the design of this product, the ability to release oxygen and magnesium ions is used, which means that it supplies oxygen to the tissue until the blood vessels are formed. please pray until the next part.

life after life, near death experiences. i didn't want to leave there at all. you don't know where i was. losing that land is a world unto itself, a world unto itself special for the iftar program of channel 4, life after life is trying. he tells us that we are living , he is trying to live an eternal life, he is trying to tell us that we are, we are, and he is trying to tell us that we should live today's transitory material life in such a way that when we enter the eternal life ahead of us, we will be like that. may the prisoner be full of peace for us, and may the light of god's kindness

shine upon us more than ever. so far, four seasons of this program have been produced and broadcast in the years 1399 to 1402, and according to statistics, 94% of the audience were satisfied with this program. life after life program channel 4 and mehfil on channel 3, the best special programs. our iftar is the fifth season of life after life program is being broadcast on chahar sima channel and it has been able to gain the satisfaction of the audience . you can see the life after life program. i should comply and pay more attention to this issue, we must have some fairness , we must pay attention to our work, people. to serve, we learned not to lie , not to put hats on each other's heads, it really has a great

impact on my personal life, and i am very careful about the rights of people in my life. i am taking care of them very much. you are right . you speak first. we have learned to spend more time with family , to be compassionate , to be closer to our family, not to distance ourselves from family. love everyone you see, love every creature you see , love the stone. i felt this with my flesh and blood that the research and production group of the program went to experts from other countries. i started begging god to let you , i want to go there, the place full of light, but he said it's not that easy. you still have a lot to do. creation appreciate it let us know, and at the end of the greetings and the light of god's kindness

upon you, more shining than ever, i will say that you are pure and divine, i will not go except on the same path that you lead me. mohammad reza zarei, radio news agency , in the name of god, the light, in the name of god, the light, in the name of god, the light , in the name of god, light, light, light, light, light, light

, light, light, light, light, light, light, light. i testify that there is no god but god. i testify that there is no god but god . i testify that muhammad is the messenger of god. i testify that muhammad is the

messenger of god. hai ali al-falah hai ali al-falah

hai ali khair the work is alive and well, the work of god is great, god is great, there is no god but god , there is no

god , and there is no part in it .

in the name of allah, the most merciful, the most merciful, dear viewers, hello , welcome to the srishd program, in this part of the srishd program , we are at the service of mr. ali fanadi, the vice president of planning and development of the central insurance, mr. fanadi , hello, have a good time . dear program, well done , i am at your service. thank you. as the first question, please tell me what important measures the central insurance will take in 1402. what has been done and what is the plan to complete these actions this year? well, i would like to tell you that according to the special emphasis in the field of technology development and innovation, central insurance

took action to organize the development of technology in insurance operations. . the other one took several measures for this, firstly, he tried to accredit the activities of knowledge-based companies in the field of insurance process, which based on the establishment law and the relevant approvals of the supreme council of insurance , he enacted a regulation under the title of company activity development regulations. insurance technology, so for the first step, we tried to accreditation and let's give order to the knowledge-based companies that want to emerge in the field of insurance . the responsibility of

knowledge-based institutions, including establishment. technology research fund to invest in the field of knowledge bases in the insurance industry . we tried to organize the electronic copy . mr. doctor , you mentioned the electronic payment of supplementary insurances. what are your plans to completely remove paper from supplementary insurances ? i would like to inform you that the law required that in interaction with the ministry of health. supplementary insurance operations were to be carried out electronically. well , remember that the source of our decisions is actually

the numbers that come from the health centers . we checked and interacted with the ministry of health. we took action and well, in this way, we are solving the problems that exist. we believe that one of the problems was that the data and figures coming from the medical center were different from what happened in the incident, and the reason was that there were different reasons. it did not provide coverage, it set the number to zero , while the people had paid. in the first step, we tried to refine the data and information that came from the medical centers and the basic insurer . we refined it and in the form of a series of text messages, we announced to the people that the number related to what you want is that if people

can pay a higher number , they can actually upload the physical version in the system whose link is sent to the people by sms, so that, god willing, it would be unfair to the people. this was done last year and i think that until april 13 , nearly 1 million 74 were sent to supplementary insurance companies, but in the new year, according to the clean and cleared data with the quality that will come from the medical centers, god willing, some paraclinical measures will be implemented in interaction with the ministry. health, we can carry out its actions, others what are the laboratory services and, for example, some paraclinical services such as ra and the rest, it is necessary that the data comes from the medical centers, because we are a supplementary insurer, a supplementary insurer means that it goes beyond

what the insurance pays for the basic data . what is the requirement? this is to send accurate data from the medical centers to the supplementary insurance companies. our next question is about the price of cars. it is one of the most challenging issues in the insurance industry in the last few years. do you have a plan to do this in the year? now implement it regarding the price drop. well , there are differences of opinion. some believe that the price drop is not the responsibility of the insurance companies, but central insurance can accept the price drop regardless of the readings of the third party insurance law. paid for this, it was necessary to have a procedural unity and to have a manual and a framework for damage assessment experts

to carry out the assessment according to the same statement . incidentally, the discussion was raised in the supreme council of insurance the price was also mentioned, the instructions were presented there, and friends. suggesting that in order to be able to act as a tool, the executive regulations of article 30 of the third party law, which came to the image of the honorable government in 2016, and there, in article 7, examples of damages are mentioned, but the price drop is not mentioned in it, we should come and correct the price drop. let's suggest that it should be placed next to it, and the honorable government should actually oblige the insurance council and the central insurance to prepare and notify the handbook . we submitted the proposal to the honorable government. that

we will approve my hand and we will have the price drop under the commitment of the insurance companies. in addition , as you know, the price drop is also, well, to some extent, the price drop is for serious damage to the car. apart from this, we have also designed a supplemental insurance for price reduction, so that if people want to read more than that, for example, if their car light breaks, they should actually use those that are not covered by body insurance and can be covered by the price reduction , god willing, dear people. to be able to cover their cars, mr. fanadi, the issue of unusual cars is actually one of the issues it has faced people with challenges in recent years. what is the plan of central insurance to put this issue on its agenda more quickly. the follow-ups that were done from the

economic commission. respected members of the commission as well as the honorable president of the parliament, that this incident should be put on the agenda, it is still ongoing , please consider the issue of conventional and non -conventional cars. put this price aside from the difference between other rates. the third party rate, which was 20% different in 1402, and we are witnessing that the insurance companies in the area are actually managing the car damage problem with a single loss number, so in fact , despite this issue, the insurance companies and the insurance industry and the central insurance company are considering the satisfaction of the noble people of

iran. he accepted this, we followed up , we requested, we followed up again through correspondence, in person, through media such as sadesima, and every time it was actually included in the agenda of the honorable parliament, and i hope that one of the monuments that the current parliament will leave somewhere before of course, this is about changing the parliament, god willing decentralization is also doing its own follow-up . our next question is about building natural accident insurance, which is approaching its maturity with the follow-ups that have been done, but it was decided that a supplementary insurance with a suitable price for the people will be considered. which has not been implemented yet, do you have a plan to implement it this year? yes , it is absolutely necessary that our country is a very natural country and this is an important issue.

this year in year 10. in fact, with the support of the honorable parliament and the honorable government, the share of the government for the right has increased, so what is actually by this the fund will be paid , it is close to 95 million tomans, of course, it is not a large number, but in fact, in order to give this power to our dear and honorable people, beyond these coverages, if there is a loss, the insurance companies will be able to compensate them for their excesses. we made a supplementary design, it has been finalized and god willing , it will be operational in 1403. our next question is about the driver-oriented discussion , a topic that is always raised, but please explain where it ended up. one of the serious points that the central insurance opinion is based on is that we validate the discussion. our insured. well, an insured

a high-risk driver is a low-risk driver, so we came to the iran credit institute, which is actually responsible for validation in the country, and implemented a memorandum of understanding that not only the driver-centered driver, but all the insureds and insureds can be validated, and god willing, this year the validation model will be istakhra. will be extracted. and it will come to the emergence of bruce. we have designed software in this field, which is now in place . in order to implement this issue , we also need to get an approval from the government . a proposal has actually been prepared and submitted to the honorable government. regarding the discounts, this proposal is based on the fact that the low-risk driver will pay a higher discount and the high-risk driver will pay a higher rate

. god willing, mr. fanadi , our questions are finished. at the beginning of the stage, i.e. selling, our insurance company is talking about becoming an it business, but in the field of damage, at the end of this process, there is less emergence of it technologies and infrastructure bases. therefore , one of the serious issues of the central insurance is the development and management of claims seriously, central insurance, god willing, will follow up this year .