syulanov, of course, one of the principle... one of the fundamental issues is the solution to the issue of unlocking the frozen assets of retail investors, well, in some acceptable volumes. next slide, please, probably in 2022, if we did not have a developed infrastructure, a payment settlement infrastructure in our state, we would have faced very great difficulties, despite all the sanction pressure that we received, despite the fact that we... were disconnected from swift, correspondent accounts were closed, within the country neither banks, nor businesses, nor citizens saw, by and large, any changes, our mir card system functioned well, our transfer system worked financial messages, we, in principle, have created the entire internal payment infrastructure, which ensured normal payment turnover; without payment turnover, interaction between economic entities is impossible. the fact that we started doing this in advance helped us a lot, but we understand that digitalization is what moves us forward, digitalization in different areas of our activities, and we continue our project to pil