oskarovich gref, please. good afternoon, dear colleagues , i think that such an immersion in history and the future is very interesting, i enjoyed watching the speech of the minister of finance of our colleague from the central bank, this entire period of time, then of course , we can probably say about such turning points, in approximately five-year increments, for our organization, probably the first such the point can be noted as 2014, when we completed the centralization of all our systems and came up against the fact that in general, in the physical world , the productivity of our... operations , it is no longer possible to increase the productivity of our operations, and we need to go to a new world, the virtual world, where, strictly speaking, such concepts as... queues or the need for physical movement simply do not exist, in the fourteenth year we began a large program to find a new business model, which, strictly speaking, is associated with digital finance, in 2020 - this is the next period of our