froma, flight from freedom, it is important, yes, a message from the president russian federation, vladimir our guest, economist, rector of the russian economic school anton svorov. well, by the way, returning to this thesis at the beginning of our conversation, what comes first: behavioral economics or advertising and marketing? well, i think advertising and marketing predate behavioral economics. thoughts are primary, but on the other hand, behavioral economics explains why certain marketing techniques work well. well, i don’t know, for example, sometimes, yes, yes, but sometimes we are faced with a situation when we see some attractive bank offer, well, for example, you can take out a loan, a stand that seems incredibly low, here’s some other... that time ago i quite often received such offers, the rate there was almost lower than the rate. on a deposit in the same bank, but at the same time we understand that somewhere in small print it is written that in fact there are some commissions and if we calculate such a full cost of this loan, it will of course be significantly higher. and whe