kamt tinkov yes in the past, which means we also hope that we already have quite high competition, because in the twenty-second year, sanctions began, now sberbank is fully operational, promsvyaz bank was one of the first to join the federal bank, which means, accordingly, vtb, well, bank t has also been added. they have interesting educational projects, they want to create a university, a development to open a company in vsestopol, so in general the city is developing in many directions, everything according to our russian proverb, every cloud has a silver lining, right? thank you very much, success to you, thank you, thank you, mikhail yuryevich, hello, hello, sir, the president instructed to complete the transition to a risk-based approach by 2025, how will this affect labor supervision, because here, too, there is probably something to be done work, well, first of all, i want to say that we are the first supervisory body that i started moving in this direction back in 2015. in 2015, the government of the russian federation approved and prepared a concept for increasing the efficiency o