our conversation will be quite capacious and rich; first of all, for our audience, i will say that grigoshochrst of all, since almost all of our audience, our readers and listeners, one way or another work with banks, either they have accounts or have deposits, now a burning topic is fraud, this is how to protect your savings not from market losses, but from losses from attacks by fraudsters, that ’s how effectively banks are able to combat this kind of fraud, which arises from year to year, everything is new, and this... and it cannot be said that we have outstanding successes, but banks are not passive either lead because they are driven to this, firstly, by material interest, because the losses of clients one way or another, albeit not one hundred percent, are largely reflected on the banks themselves, these are all types or main types of fraud, thanks to which tens of billions are flowing away rubles, huge amounts per year. these are more technical or, let's say, technological methods, technology is a tool that you can use effectively if you hit the right psychological note, there is an a