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this is alphapay, the freedom to pay as convenient for your smartphone. sticker or online. pay how convenient it is with alpha pay. and you get a supercake every month. not just profitable. alpha is profitable. next year it will be easier to maintain financial discipline. on the government services portal. there will be a new self-prohibition service for issuing loans, but now there are important options. in what situations all this can be useful, we will tell you about this in 5 minutes in the program instructions. first, let's talk about deadlines. electronic applications through the state services portal can be submitted from the first of march next year, when

the necessary digital infrastructure is ready. c 1 on september twenty-fifth, the application can be submitted in person through the mfc closest to you. technically, this...

the mechanism worked as securely as possible without failures. what can be done now? since october 22, special rules from the center of the bank have been in effect. according to it, banks are obliged to provide their clients with the opportunity to set a ban on online transactions, either all at once, or some individual services, for example, transfers or obtaining loans online. it should also be possible to set yourself limit on services for certain periods, for example, a day. or for a month, if you have accounts in several banks, then you need to deal with each bank separately. the new system will be more convenient; one application works for all banks and microfinance organizations. the application is flexible, you can determine which loans you refuse only from banking products or only from

microloans, or from all types at once. another parameter is the method of applying for a loan, only remotely, only in the office , or both. and finally, by type loans. for example, you can select only credit cards and cross out the rest. the scheme will work like this: after you submit an application, it is sent to all credit bureaus. if you haven't taken any before. there is no credit history, then from that moment it is considered valid, but a special note about the ban is put in it, it will be kept by banks and other financial organizations, the ban applies only to unsecured loans, mortgage loans or car loans, it does not apply, another exception is credit for education with state support, the meaning of the bank of russia ’s decision not to extend self-prohibitions to collateralized... loans in someone else’s name occurs precisely with an unsecured loan,

if we are talking about collateralized loans, then additional documents will be needed to certify a larger number of documents compared to with unsecured the credit history bureau is obliged to put a mark on the same day when it receives the application, but if this happened late in the evening, later than 10:00, then... the next day after the appearance marks, count down another day, that’s it, the ban has come into force and will remain relevant until you lift it yourself. it will be possible to cancel the ban through government services and the mfc, only the mark is removed not the next day, but after two calendar days, so you will have more time to think about whether you really need to take out a loan. the cooling period should protect the central bank from impulsive purchases and help fight fraudsters. you can set the ban to be lifted at any time as many times as you like, this service is absolutely free.

if you are given a loan during the period of the ban, then all problems with its return according to the law will not fall on you, but on the organization that issued it. still, if a person, after establishing a self-prohibition on issuing a consumer loan, saw that the bank still issued one. to the regulator, because banks are supervised by the central bank. so, let’s repeat the main thing: from

march 1, 2025, it will be possible to issue a self-ban on issuing loans through government services. your decision will be seen by all banks and microfinance organizations through credit bureaus. the service is free, the ban can be set and removed as many times as you like. while work is underway to set up information systems, prohibitions and limits can be set directly in the technical bank. where you have accounts, if you want to know more about how to better monitor your finances or what reliable tools for savings are, write to us on telegram, ask questions, we will ask experts about everything and tell you in the next issues of our instructions, now it will appear, so what? a card that earns itself, a gazprombank debit card. with a stable income of up to 35%, we are going on vacation, and we are going

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, what you need, if you want to become a modern individual entrepreneur and not pay a commission from a transfer to a cash account, then open a business account on wtb.ru. hello everyone, dear subscribers. sometimes when mom orders cosmetics, it is from her favorite and turns into strictly. i didn’t pour out into the gloom, then i have a cosmetic bag, look, you can try on the cosmetics first. we wanted to be loved by you, we remain loved by you. megamarket. it is beautiful and profitable to please. you can endlessly wait for favorable conditions from your bank. you can take time off from work to go to the bank. or you can open a reliable online deposit in rosbank, at 16% per annum. rosbank is a real opportunity. they say that

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personal space, their own apartment, and for others it is important to take their business to a new level we will not achieve your goals for you, but we will give you everything so that you can do it yourself. the history of oil production in the sea begins precisely with the caspian sea, it was back in 1803, a resident of baku built two wells, just 18-30 m from the shore, but what natural resources are stored at the bottom of the sea, tens of kilometers from land in

the northern part, could not be imagined even after almost 200 years. the northern caspian was considered an unpromising region, unattractive against the backdrop of the huge geological reserves that existed in traditional mining areas, but in 2000 in 2009, the first large field was discovered in the northern caspian sea, this field named after yuri korchagin. as a result of large-scale research, lukol discovered in the waters of gaspia, a large oil and gas province with 12 places. this is one of the largest discoveries in the modern history of russia; the implementation of a unique marine project required the participation of specialists from the highest class. it’s more complicated here, technology has advanced much further than on earth. from a logistics point of view, it’s difficult because

weather conditions affect the delivery of equipment, we we operate support vessels. now, for example, a well is being built at the yuri korchagin field, specialists are making sure that all the work goes according to plan, they are also deciding where to drill and how, here in general, well, there are always two or three objects in the drilling process, here we have a zero principle. we take all the sludge that we receive from wells in sludge containers to the shore for processing. the standards that lukol introduced at sea, especially in ecology, are today the standard for many foreign companies, including in particular, the principle of zero discharge, when all household waste is taken ashore, is taken as the basis for the recommendations of the helsinki commission for countries operating in

the baltic sea. get to the platform where the mining is taking place. you can by helicopter from astrakhan, before going on the first shift, each company employee must take classes at the corporate training center, otherwise he will not be allowed to work. i have already changed myself into a special suit that does not allow water to pass through and at the same time retains heat, we will try to simulate how a helicopter plunges into water and how to properly escape, for this we will now be given instructions, and after that we will test for ourselves how you... all these sensations will be. we were immediately warned that in order to obtain permission to fly on the platform, we must complete at least three dives from the simplest to the most difficult, it’s easier to remember. the whole procedure of actions and practice it until it becomes automatic, find the handle with your left hand, pull it out, throw it on the floor, move your hand to chair, as soon as your left hand is secured on

the chair, push with the elbow of your right hand, in one movement it turns out, push the exit. teacher vladislav malevyny has dived on the simulator about 20 thousand times; he knows from experience that people react differently to extreme situations; classes are accompanied by two divers to ensure safety. in case of an emergency, the simulator is raised upstairs. it took 8 seconds to get out of the simulator, and this provided that all the rules were followed: the seat belt was fastened and tightened tightly than the tighter it is, the easier it is to open it later in the water. the second dive is a simulation that... the helicopter not only plunged into the water, but also turned over, we will be upside down in the pool, i remind you once again, if you are pulled or pushed somewhere under water, this means that we

are helping you, so there is no need to resist, now there will be pressure, yes, despite the fact that there is a side here, the flow of water will be very well felt, they tapped on the shoulder, it’s time to get out, if you do it before... time, the water pressure will carry it to the center the simulator will start to spin, later there may not be enough oxygen, the ideal time for rescue is worked out over time, the feeling is that you are here and water gets into your nose, but this time it worked out right, we came out due to the fact that we went through three stages of the instructions, and this is already ... not only lukuila employees are trained here, but employees of other oil and gas producing organizations, as well as pilots, we have passed three levels of difficulty, there

are as many as 22 of them. during the course we teach people how to move, that is, first you go out next to the exit with which you're sitting like you did this today, then you sit down second and you go out behind your colleague, then you go out third, then you go along the aisle to another emergency exit, that is, you need to get up, unfasten, walk to another exit. yes, open it and go out into it, as a result, at the end of the course, 12 people went out into one emergency exit in turn, but not only this is taught at the center, also how to behave if a fire suddenly happens, how to provide first aid, what to do correctly cardiopulmonary resuscitation, knowledge that have never been used in practice, because there have been no accidents on the platforms, and as we are sure here that there won’t be any, all preventive measures, the base of the palms parallel to the sternum, the second hand on top. the elbows are straight, we hang over the victim and apply pressure to a depth of 5-6 cm. over 100,000 people have been trained at the center;

it is periodic, with a maximum period of retraining once every 5 years. training is conducted in this way: 30% theory, 70% practice, and exists for each program a checklist for performing practical exercises, that is, each program has its own exercises. they need to be able to perform, because only a skill has been developed to the point of automatism, when in an extreme situation a person no longer thinks, he only carries out his algorithm in the name of saving himself and his comrades. the training has been completed, and now you can go to the offshore ice-resistant complex of the vladimir filanovsky field. 6 million tons of oil are produced here every year, and it’s about an hour’s flight away. infrastructure of the named after field. effect for other caspian projects of lukuil; by the way, the oil produced in these places is low-sulfur, this kind is especially valued.

the felanovsky field is located in the northern part of the caspian sea, 220 km from astrakhan. this is the largest deposit that has been discovered in russia over the past 25 years. platform captain vitaly sulimov has been working at the vladimir felanovsky field since 2015 without. you won't be able to work on ships here, i started my career as a sailor, visited many countries, but on the caspian she likes it the most. the navigation equipment is absolutely the same as on ships, only the only thing is that if the ships have true movement, we have relative movement, we can also track the movement of all ships and the like, that is , what is the work if the captain directly controls his ship ship in which... well, he is in command, then a whole fleet is working with us here, tankers are working, and many support vessels and research vessels are working. this platform

often. compared to an archipelago, here several structures have been installed at once , which allow not only to extract, but also to bring oil to a marketable state, the residential block is made by analogy with the cabins, welcome, come in, in this cabin we can see a tv, my bed, my small sofa, communications equipment, small drawers, both in the table and... the bed itself , here i rest during my non-working hours, the shift manager ivan isaenko just arrived on duty, it lasts 2 weeks, then 14 days of rest, this time is considered optimal for mental employee health remained normal. the technological content of the entire platform is one of the most advanced, so employees are mainly involved in monitoring all processes. although automation

works, it does so according to a certain logic. and the extraction process still requires a little creativity, at certain moments it is necessary for a person to make decisions, again, not going against the technological regulations and operating parameters of the installation. the well is located on the spider deck; it received this name for its appearance. a bunch of pipes create the feeling as if there is a huge web spread here. there are only 13 spider decks here. nine of them are being mined right now, three of them are for maintaining reservoir pressure, one is for pumping gas into the reservoir, the sea depth here is around 6-7 m, the depth of the reservoir is approximately 1400 m, and the well length is wellbore from 1,300 to 4,600, the larger the area one platform can cover, the higher the efficiency of the offshore field, lukuil

holds the record for the length of horizontal... sections of wells, if, for example, if you superimpose the diagram of the well of the yuri korchagin field on a map of moscow, and place the platform on red square, then the ends of the well will be outside the third transport ring. the efficiency of oil production in the northern caspian sea is higher than at other lukoil facilities. for example, at the vladimir filonovsky field, production from one well, initially after drilling, was up to 3,000 tons per day. here. this is 80 times higher than the average well of our company, which is drilled on land. a special intelligent system, which is installed on wells, allows you to change operating parameters and regulate flow rate in real time, as a result , the productivity of such a well is 62% higher than a conventional one. all processes are monitored in the integrated operations center or otherwise in the think tank.

the concept of intelligent is introduced here. birth, that is, a digital copy of existing assets covering the entire production chain. this allows not only to more effectively determine the real production potential, but optimize this process, carry out planning, monitoring and assessment of hydrocarbon production volumes. the center united specialists from key areas of production activity into one team. now the screen displays well number 110, the korchagin field. and analyzing it. parameters we can identify both deviation and potential in its operating mode, allowing us to increase hydrocarbon production from a given well, we need to bring the extracted oil into a marketable form, this is done at the installation oil preparation, from which we also see all our main parameters. similar centers exist in perm, western siberia, kaliningrad, the komi republic, in total

there are 13 operating in the lukul group. we also receive satellite images of the northern caspian waters to analyze the current environmental situation. as you can see in this picture, we do not have any contamination. all platforms were built at the sites of the astrakhan shipyards. some of them are block conductors or, more simply put, unmanned platforms, since production on them is carried out autonomously, with minimal participation of personnel. safety. the operation of these facilities is achieved by the maximum level of automation and remote process control. the northern caspian is a key production region discovered from scratch by lukol almost 30 years ago, it continues to actively develop today, new fields are being discovered. last year, accumulated production amounted to 55 million tons of liquid hydrocarbons; to produce the same amount, we are sure that much less will be needed time, taking into account the accumulated experience and

technology. companies.