thank you, thank you, germanskarovich, vladimir yacheslavovich, we have a paradoxical situation, youel in its pure form, but in our country alek vladimovich is also related to the banking sector, he was involved in the private banking business, at least it’s only you who talks about the personnel, you agree that it’s not just you. i think that sberbank and vtb have a situation similar, such banking specifics, but here’s how you can share your experience, and we’re not even talking about the notorious it specialists, this problem has not been on my agenda for 2-3 years, yes, for which everyone was fighting, we are systematically working on the employer brand, motivation systems , office space, our culture is entrepreneurial. such a flat organizational structure is attractive, we’re not even talking about moscow specialists, but about regional ones. the central bank recently gathered us for a strategic session about adapting the higher education system, and i i told you there, i can only repeat here, we went to the regions, we cooperate with regional universities, 150 universities have