these frames are everywhere now, yes, and then, look at another such moment, growth again repeated how it jumped. there's a photo that just shocked me he's playing against a friendly game, whether against ireland or somewhere else they're somewhere in europe tour of the brazilian national team the goalkeeper is jumping, he's six inches two inches tall. yes, somewhere around 189 cm, goalkeeper. it means that he stretches out his hand and breaks away from the lawn by 20 centimeters . uh-huh, we notice it stretches. well , imagine, it means that this is what it is for, plus , probably, 40 centimeters more. yes, how much there is half a meter pele's arm jumps 173 cm, he plays this ball with his head. i wouldn't have believed it if i hadn't seen it, he scored

18 headers with his header. uh-huh yes, yes, that's all, it 's all there in the head, the speed is a strong powerful player. a good blow to the head now and everything in the modern mind of pele always goes in conjunction with the young. here's how it came about. do you remember well this is very interesting saw maradona's attitude was some point where they did not even speak, but in the beginning, and the magazine eu count wanted to meet with maradona and pelebe hovergentina good very good relations in e. in the beginning between them between them, and then you don't know that maradona had a lot of problems. no, the best state said a lot of bad things, but opelle, they are bigger. yes, they were not promised in the press, as rivals. yes , maradona even if they didn't play against

each other uh-huh well, at the beginning of maradona's good relationship there was a moment when maradona was very things, even on the internet i say. that's it, it was also the argentine press wrote maradona better than drinking maradona better than drinking fans in brazil against ma- maradona fans from argentina against pele, but the relationship deteriorated a little, but there was a very famous moment, which now these videos are everywhere . then they played, and a little bit of football, and i think after that the relationship already became good, yes, then they met in europe without a draw, in my opinion, this was the last faster than they drank. the maradonas were here in russia european championship stalk yes maradona kisses. uh,

head. look, the maradona didn’t hit, which means the world cup was in the seventy-eighth year, the minute he sat down the last moment he had. also, in general, almost 17 years old, very young, he could enter the dream of mobile, but in the seventy-ninth minute he leads the youth team of argentina minote was already a champion in 70 climbed. yes, there were others. there were other heroes in seventy- eight. mario campress was there. there was leopold luke, you know, seventy-ninth at molodezhka, the argentine national team plays in japan against the soviet union, they win 3: 1, but i not about this what number was the tenth madoradon? yes, the tenth is all here. there are no questions. what number to give the tenth, because it is the number of the fillet. this is a mark of quality. so, maradona, willy-nilly, did not know that this was the number

of god how did the fate of pele after he ended his career, because he did not become a great coach, although it seemed, well, it could be like that. yes, he became a politician. yes , he is a humanist of sports in brazil when the president of the fernenny ricky cardoso. there is a very important moment when he was the minister of sports there is such a pele and this is a compliment changed everything messed up in brazil i make sports more professional. this is a very important moment that has changed how the market players. inside. how much should i pay how much should i not pay, and they usually changed, and the laws make sports more professional. but then they say, well, they drank. how about a politician? why, this is the most important moment when it appears, and the law of the pilot, he never wanted to become a coach. oh very interesting moment, also in '94. he worked as a documentary

for this globe, the most famous tv channel in brazil, and the finale, yes, brazil yes, yes, a is very leading very famous golfon warriors. uh, they shout, it means four times the world cup, and there they also saw it together, so also at some point, uh, a commentator, but a businessman, but with football did not want to become a coach. why because, probably, why did they work for him, probably he worked for pele yes, what's the matter? not every player is here. he may become his own character. and how can i say, i can say what i think. probably now there are more, but they didn’t respect the ticket, just as they didn’t like pele in brazil. it’s definitely not like pele in brazil like the argentines

they love maradona even bill very much, but from the country and a very sad and very plentiful moment bahrom pele not a single world champion in 2002 bill is there and only maru silva ninety-fourth was very insulting a lot of criticism imagining, because journalists say you play for the national team , which has the five-player of this brazil national team so well-known team. the most famous most popular teams in the world and washed down and you didn’t go there, it was very disappointing. i don't know why, but in argentina they love young people very much, because brazilians don't so. here, that's just who said, here. you can see from the marathon festival, the bard song one really i was when in rio de janeiro. i saw air to sen everywhere and everywhere it’s just yes, yes, a pileer, you need to look

for a large thickness, and the formula 1 gong and the scene died during the race, therefore, there was a superhero, and lu-people never had such an image that pele is a superhero superhero superhero, probably now as he died, but always will say, opel should be done here the name street pele the name of life. i think they didn't like the pele of this country so much, i i don’t know why, but i think it’s in brazil mi mi i how can i say that, not not a respected person in life, when you all died just the same. well, how do they say? no, i think differently i think differently. and i'm explaining, i'll tell you in argentina in argentina, almost all football is concentrated in buenos aivas, but all the teams

, all the great teams, they are raced by baggage repertoire either or or in the suburbs in brazil in any state. there are stars. pele is sao paulo, and that is not sao paulo. forgive me because sao paulo has its own football club himself pavlov but where did jal santos for example, almaz i have something all over the world, they respected very much, in my opinion, people liked bitterness more, they are already jenner. this is the batapov of brazil, well, this is very strange for me. now they say more respect. well, that's weird. i think in brazil we are not so loved, not so respected person, when in life. pele's departure for brazil that what it was it was national mourning - it was very very four days, in my opinion, yes, three three

three days there were three in the country, and the city of centus weeks, yes it makes sense. yes, people were beaten in shock, but i think they, as they were not told before, were in shock and the son’s zirte was when it was then that his son died. yes, during the san marino race. it was may 1st a national holiday, and in brazil all of the formulas looked very popular. in brazil, he was e somewhere 40 years old, a and in that place, the whole high level , the best moment in life, died. died accident. tragedy yes, it was not visible, everyone was crying, even i remember, i remember crying, everything i did. it wasn't me crying. i was i was 7 years. uh-huh and mom was crying and now i can't

say something is mourning. it's sad, but it's not a tragedy. everything has been prepared for this for 2 years. yes, because the people were ready. i can say so, yes, works a lot of time editing in brazil when their son died there, nothing was ready. we must all quickly do gases and write everything, and the obituary was already ready to sing. yeah, i'm ready, so it's mourning. it's all so sad, but i can't say it's a fillet tragedy. and don't forget that he caused a very big offense to the brazilian fan. in what yes, the thing is that he refused to play at the world championships of the seventy -fourth year. yeah, if he fought back, he played his last match, as i said in the seventy-first year and tied up with the national team, he continued to play santa for himself and at 75 he moved, and he went into space with a scandal. well

, he really needed to earn. there, as it were, already to somehow provide for himself and his relatives for many, many years, moreover, in america he was offered fabulous contracts at that time. but the sample was lost in the seventy-fourth year. they didn't even take bronze. the poles, they were beaten in the match took away. yes, in germany and the brazilians approached sawed, why are you dragging did not play. if you played, we would become champions and indeed. and you know that pili wanted to return, uh, he offered the national team in 1982 to telesantana. himself, well, how old was he 42 years old, yes, the fortieth year. no, to play in the place of the central defender, oddly enough. uh-huh yeah but that's the story that we wanted to play uh, to germany it was the time of the war of the dictatorship in brazil he had already said enough. i don't want to use. that's where the others came. eh,

there isn't. no, there was another one there, or cardos, here or something came, uh, another. they persuaded him. he was very strongly persuaded to play in 74. it was no longer dictator, it was already different. eh, he categorically said it, but it turned out that the search continues anyway. if anything, a ticket, yes, and each generation gives new players. yes, it is right now. actually and as, probably, a marker of this his player is close to pele, this is a dozen, of course, definitely an attacker. this i did, but did nothing, such as pele well really. well, such as kruev or maradona, this is a single instance. that is, in general, uh, such. well, pele generally stands somewhere there, as if he is where he needs to be above all of them, by the way, pele, after all, he said about himself that he was not a striker, pele said, i'm an attacking

midfielder. he liked to play, a little behind. he didn't play on the cutting edge. yes, how and who is the tenth, aromario, when the sample of the world championship 11 number yes, and the tenth number this year was one player who in general yes, yes, yes, yes, yes, yes, yes, yes, yes, yes, yes, because there was no don neymar in the national team , dozens, dozens of parents . you can say in france to the wife, yes, yes, but ronalding was the tenth. yes, yes, yes, although very good very good of course, but this is the most important number. in fact, you know, it struck me not so

long ago i saw such a compilation of his actions on the field, and in comparison with modern players, you look at what messi is doing cristiano i.e. mbappe. ah, a little earlier, they again remembered the blood with incredible tricks. he did it all. that's all he did everything that you say is the tenth thing, that he did everything, and already did such the same stunned very interesting, yes, which will not show. what did, and then messi yes, yes, this is the moment when he did not score in the russian championship of the seventieth year they play. got it making a pass to pele got it making a pass to the saw. yes, and there were two moments in this match. i'm alone here one hit and the other always works brilliant moment when that stow makes a groove forward runs out on the saw and on the ball to the saw.

this is how the mazurkiewicz runs. that's how the ball goes pele does so he runs past the mazurkiewicz, and we imagine on the sword and mazurkiewicz, stunner. he doesn't understand what 's going on at all. stop where, because pele runs around the ball even further, he runs around mazurkiewicz, catches up with the ball, and in the fall he takes it into the far corner, 24 5 cm. this is, of course, married. here is the one who does not know how not to harmaldo. not ultra, i have not seen this, but i have not seen. and i watched a lot of bachi. i i really hope that after our podcast people will go looking for pele's matches and see what he was like. really. now it can be found now. and this, really from this you can get the channel will show. this is a ticket to kirill next. thank you kopeck piece brilliant about what

alexander thank you very much for the time. hello dear viewers, we are on channel one at night and i am with you mikhail khanov , the host of the easy money podcast today the theme of our program. it would seem, which is so far away and at the same time it is called so nearby she retired and in order to sort out the issue. today we have two wonderful women, two experts. these are yulia finogenova, professor of the department of state and municipal finance and economics of the plekhanov russian university of economics and lyudmila ivanova shvets, associate professor of the department of the chamber of commerce and industry of the russian federation, the development of the human capital of this zhreo and not sinful. hello ladies.

hello julia hello lyudmila and we , uh, today we will try to figure out what a pension is? what will she be to whom she due? as it should and so on. let's start slowly. well, to catch on for something, the twenty-third year is a good introduction. that is, some innovations were accepted. what significant changes have taken place. although the truth is that this is unlikely to affect pensioners, but now we have e instead of two social funds of the pension fund of the russian federation and the social insurance fund, there is a single social fund, that is , the pension fund and the social insurance fund have united there it was difficult e on for retirement. for whom is it good state. i think it's good for the state, because despite the fact that they will now exist for some time in parallel, but still this is a reduction in resources and administration. well, it seems to me that this is not bad for pensioners, because

it will all be, in principle, a one-stop-shop, because there are no functions, of course, there will be functions. no, they combined the fraction, because we really have a lot of older people. well, all those who receive, maybe some social pension payments. uh, they used to have to contact their pension fund. social with what let's immediately decide before uh official age, pre-retirement 5 years before retirement now. it's hard to say how much because we now have a phased retirement, so 5 years before retirement. let's say televisually. it's there 55-65 years. yes, yes, you can say excellent. further , significant changes will also take place, which will relate to the funded pension, we are forming in the system of compulsory pension insurance. what is a funded pension, a funded pension is a pension that is paid by a pensioner upon

reaching retirement age from the savings that he either made for himself or the giver did the work for him, if you can do the pressure yourself. the fact is that the russian system provides for two options for the formation of pension savings. the first option is a job, yes, which made contributions until 2015. as you know, yes. fund payroll in the amount of 6%. and this money went, just in time for the formation retirement savings may be born in 2007, jr. we have a pension fund deduction of 22%, just for the audience, it may not be clear yes 22%. and until the fifteenth year, what julia said 16% went to the insurance pension, and six percent to the funded part. what is the difference between an insurance pension and a funded one? so we started this insurance pension for all pensioners. those who have earned a pension, an insurance pension, are payments to pensioners upon the onset.

naturally, retirement age from a common boiler. well here's the job the employer does contributions to the pension fund. yes, and this pension fund is spending money on the current 16% yes, it is also called the distributive system accumulates then distributed, and the accumulative system. it does not assume that these contributions that will be made, either the worker is in the system of mandatory pension insurance, or he himself will do it on his own individual account. come on, he can save it on his own from the non-state pension system, and it is not expected that this money will be spent on anything else, in addition to his own pension at the onset of retirement age, freezing is a very interesting point, that, for example, we receive an insurance pension with you upon the onset of official retirement age. now it's 65-60 yes, 60 for women 65 for men. but the funded pension, regardless of where it is formed either in the system of mandatory pension insurance, or on a

voluntary basis. you can receive under the old pension system before its reform in the eighteenth year. that is , it is 55-60, what do i need to do in order to to receive this part , apply to the pension fund, yes or to their state pension fund, if the savings were made there and say that i want to receive the funded part. he himself informs the non-state pension fund of those who are already old, here is the old pension for dinner. eh, it's coming. he usually informs them himself that you have the opportunity, uh, to start receiving payments, but this is not always the case. i wanted to clarify, because there are different corporate pension programs. that is, there uh our viewers. look at the employee who works for the company. and if a company has a corporate pension program, as a rule, there are several options for such and such programs. well, for example, uh, workers individually. some

percentage can be deducted there, and solidarity, where both employees and the employer. to be honest, i say, so this is how we expel. that's so much and so to say that you have to be a good worker to be offered a job to give participation in this. let's get the corporate program for now. let's go here focus on the usual through the viewer yes , the average small city in our country which does not have any corporate programs. what was the first thing he encountered? it would be understandable to figure it out, when we had a state system , a huge number of non-state pension funds appeared, and everyone was campaigning to transfer money to them. here are those who did it. i came just about the same funded pension, which is 16% - this is unshakable. it's six percent. we have indicated, that is, 16.6 go paid them. here in this short- you are out of your own pocket, and your work and you might not even know in theory, that you work for you accrues 6%, if you are sixty-seven years

old and younger 22% of these, 16 were for payments to current pensioners, and six were deferred . specifically, they gave me one more time to your personal account, but let's just say that the money that is formed on this account was formed. yes, and still. by the way, they are formed. that is, even after there was a system, uh, frozen cumulative. and what does frozen mean, i’ll just remind the viewers too. uh, we are talking about the fact that in 2015 it was said that everything that was accumulated before 2015 it continues to be invested, but will not be replenished. and these 22% that are now paid by the employer to the pension fund. they are fully used to finance current pensioners, that is, the insurance pension. everyone is on an insurance pension. yes, your individual savings account has not been replenished since 2015, but this does not mean that the money is depreciating. why because they should

invest the more. and the further money is invested for money, to whom institutions owe you primarily as pensioners, because you are interested, because by the time you retired your account was individual, it was not reset to zero. let 's just say it didn't go down. come on, you know, like , uh, there were a lot of innovations. still, everyone is interested in what is here. now, yes, what else has changed since 23, has it already changed or is it planning to change? yes , for example, the same experience. i understand that we are now in transition period, but it is very difficult. yeah definitely be clear at what age who's coming out, but let's try to do it. well, let's start with simple definitions, going back to the list. yes definition of concepts to get. insurance is now from 2024 the third year, and in the third it is four third year, a very interesting 23 year. so 24 years is the minimum start of 15 years - this includes

education or not. see the three conditions for retirement, respect through the audience three conditions. i really like it when the numbers are like this. the first is, uh, the presence required experience. here is what yulia said 15 years to date 15 years of training there in different ways. well, somewhere enters somewhere does not enter. uh, serving in the military comes with nursing. it's just different pension points. well , nevertheless, yes, for the tv viewers, i wanted to say a very important thing , they ask a lot of questions. oh, i have a continuous experience of such a thing as continuity now does not even exist. don't worry about your looks interrupting your retirement. the main thing is that it be in the aggregate, that it be and that's it, yes, this is the first condition for the second achievement of retirement age. we can now at least try to say at what age

in the twenty-third year it is possible to cover the twenty-fourth at 20 in the third year , only those who can retire early on benefits, for example, for harmfully difficult working conditions, will retire on an insurance pension. here is the transitional age. now we are the same since the eighteenth year. every six months we are added, so now women are retiring from the age of 24, they will come out, 1900, in my opinion, the sixty-fourth year of birth and men born 61, because uh, while the transition is going on. they won’t be able to pay attention to retirement, then what if you don’t have the opportunity to leave earlier yes, preferential category, if you don’t belong to them, but the majority doesn’t belong to them, yes, then the population is from 2023. he's so very interesting, because he's jumping, yes, through

the possibility of going to surgery. well, the third third condition is the accumulated pension points. what it is? uh, is it a retirement score or retirement ratios, these are the same thing, what is the pension coefficient. yes, it's a pension . this means every employee who receives a salary and for whom the employer makes contributions to the pension fund. and these amounts are translated into the pension coefficient, and the minimum is the maximum. but even if you have a very high salary, then the maximum maximum number of points you can earn per year is 10 grand 10 points, right? further, these points are converted into a certain amount, the cost of a point, the cost of a point, every year the ministry of finance asserts and proceeding from indexation with inflation e, to say that there is some kind of formula

a formula, as such there is none. well, every year the ministry of finance approves this amount, the cost of the pension coefficient is immediately a question. and probably, but to yulia. as you are, after all, an assistant professor , this should be close to you. you know how a student asks where you can read, where is the manual. where to read? well, here it is to be clear and precise. quite right. this can be viewed in your personal account on the website. e of the pension fund or on the website of public services, for example, means by points we go to public services. everyone knows what a personal account is. we pay there, as a rule, fines for cars. now it turns out there are, there are also various departments. and in particular in the personal cabin for a year and something. and there is a detailed description. by the time you come in, i may not be retired. yes, the viewer is the same. there is no paper at hand right now. although this is incorrect , the number of materials is on the website of the

same pension fund of the russian federation ps.ru. and what is the fss rf.ru excellent three the rules for receiving a pension, we said this is the length of service is the achievement of age and points. yes, 30 points minimum. i should have uh-huh if i don't have them, or if i don't have experience, if one of these conditions isn't there, that's it. and for money, but there is one moment , you can buy half of the missing experience. uh, according to the data of the twenty-second year, in order for you to buy in addition 293,000 you need to pay in order to buy half. uh, we have no more than 7 1/2 years of experience. we are already over 5 perfect and 7.5 correct, but uh 46.000 is approximately worth one and one points. well approximately 300.000. and i'm fine. with

experience. i even have 15 years. it's just that if you made, for example, in december last year, then this will be reflected only next year in a year. that is about it. you have to think in advance, uh, we monitored it, we went to the site to see what you have before retirement. if you are a year away from retirement, then it may be too late to buy experience. well, for these pension points, you can e until the moment you officially issued a pension, that is, if you issued pensions, then thought. oh what a small pension i have, let me, i’ll buy more, yes, for myself, so that i have it like that, which i go to, unfortunately, there is no such thing, i didn’t foresee it. let's do this, since we are mainly watched at night by young people, dear viewers , young people, you are preoccupied with buying a diploma, immediately buy yourself an experience, buy it right away and that's it. do you know when please give the entire prize of the koran that you bought? seriously, this is serious, because we now have 6 million self-employed, the most busy question is the self-employed, what is

the money with them ip ip. yes, there are, there are different ones, i'm 15 i worked for years, actually i have the right to a pension or not, not a fact. what do you have see. do you know? this is enough. here we can get confused here , we won’t say different things, but you can check it, and on the site, again, the fiu paid or you yourself paid contributions to the pension fund. i myself know whether i paid or not. if you know what you paid, then all is well, but if you don't pay as a sole proprietor, and self-employed or not, as a self-employed person, you are only liable to pay tax on professional income. and if you want and i no no. and if you want to accumulate it, here you are self-employed, you decided that you will not be associated with any official company. you yourself are busy. everything is fine with you, but in order to save up for your

pension, the minimum that you need to deduct in the twenty-second year, in my opinion, is about 35,000 rubles. contribute to the pension fund so that one year of service is credited to you and then you have a guarantee that you will receive, but at least there is no minimum pension, e insurance pension, but under retirement age. if if you don’t do this, then you can only be sure that you will receive a social pension 5 years after the retirement age, that is, for a woman it is 65 years old. at the age of 70, the social pension is the minimum amount. here, uh, the insurance pension is the average insurance pension now, uh, well, i'm 18 here 18, 72 readings so we're going , if you see these readings on the pension fund website, maybe one amount, and on the rosstat website a little different amount, maybe , in general, there is, because

it counts differently, but my data today the last is 18,782 rubles. let's say we stopped the average for russia 18.000. this is the minimum minimum that we can count on if we comply with these very three conditions that recorded the length of service, and points and what was there, the second third was lyudmila this is your achievement points pensioners, of course. yes yes yes. so. uh pension indexation. and what is it like? this is when it is and who is the initiator , as a rule of the state, depending on what, when indexation takes place this year , we are waiting for us every year or somehow it happens, because every year is in order. yes, it is written in the constitution of the constitution , even but what idea is there, an interesting idea, what depends on what pension? you get a different

indexation period for the beginning of indexation, yes, for example, a social pension, if i'm not mistaken in april, yes on the first of april, insurance pensions, which most of the population receives, are indexed from january 1. and earlier from february 1. yes, they indexed, they recently made a sum for this. we don't need easy, no one needs to go anywhere to the pension fund. everything happens automatically. uh, the only one sometimes i’ll say more for viewers, because there are questions, for example, they heard now yes, what pensions were tested at 4.8%. they receive a pension and see that there is not even 4.8% and why does this happen less? this is the case when the pension is small and they receive a regional supplement. the pension itself is indexed, but this did not affect the overall amount. yes, this can also be the same for the total amount of pension, as large as, for example, in moscow or comparable and no 4.8 for everything, so that there is something to consider positive news here,

thanks to which the size of the pension e for most of our viewers can change. well, for me, for anyone approaching retirement age. you know, i will say a very strange thing now, probably for everyone this is digitalization. the fact is that now in the personal account, which we talked about today, you can already see it for pre-pensioners. yes, such an option is possible, you can see. what is the size of the pension? you will approximately have the right and somewhere 10 years before the official retirement age such information is provided. that is why it is positive, because you have 10 years to participate in some kind of voluntary funded programs. the fact is that if you think that this is the amount of the pension that you have been counted by the state shortcomings, as always, it is absolutely right. and in all countries, not only here,

where i invest or where i put the opportunity to make a decision. uh-huh where do you want to invest? you have several options, probably the easiest option is the easiest option to go and deposit money into the state pension fund. why because you can contribute? some monthly amount. well, let's say, there, in my opinion, the minimum contribution starts from 2,500 rubles. a month and forget about any investment strategies at all. about something else. no, you can't forget. they are insured by the state. this is not statehood, but insured states. let's do this for the most careful neat state structures exist, where can i take this money 10 years before the onset, they just don't. only no. what is this, this is a bank also can not guarantee is also not bad. yes , an option, so it has an unlimited amount limit to guarantee the state of my savings. outside the state

pension fund there or not. i understood your question. it's like a bank. yes, one million four hundred. yes, yes, no, no, there is more in the bank. they are in the state of medicine. no, i still agree. lyudmila i apologize. i mean, it all depends, but now this year, as i said, we have such quite serious ones, yes, changes are coming. well, nothing yet. we are talking about the fact that the funded part of the pension will be privatized. remember, at the beginning i myself said that yes, yes, depending on what happens to our obligatory accumulative honor , the guarantee actually depends on this, because now the system of obligatory pension insurance is in force in relations. so far, this has not happened, this is privatization, indeed lyudmila is right, she says, we now have no state of any restrictions. that is, if something happens to those pension

the fund that took out the money, otherwise the state is obliged in the amount of the contributions made, but you should provide a pension, but if yes, it’s true, but if there is a system. that is, if this honor is privatized in our country, i attribute it to non-state pension funds, by whom it was privatized . the thing is, you see, remember, you said that pensioners are thrown there, and in the past you threw all sorts of leaflets on the management company of the state pension fund. and why did this happen, because a person there was a choice. they could leave their funded part in the pension fund and so on invested, the state management company is the second option. transfer your funded part to your chosen, personally, not state pension fund, and the third option you had was the transfer of this part, the management company will be privatized by whom this whole story will be, if this is already a private business, it will be privatized by you. that

is, now, that is, we have some owners of the funded part, that is , it will be your private funded part. you, as you wish, you and this is your money, you can have it, well, god forbid something yes, it happens to a person, you can transfer it. funds they can be, yes, transferred to someone, you can manage them. i, too, can be inherited only at that moment if you have never received a pension. if you have received a pension at least once now , this is not privatized. this is who these companies have or i don’t understand the meaning of the word freedom in managing your pension savings is less now freedom with the privatization of such freedom will be more here are takfs of non-state pension. you can still transfer money to individual investment accounts, insurance companies to purchase a life insurance product and, uh, that’s just the guarantee system, if now the guarantee system is in effect for the full contribution, then when they are privatized, that is,

the guarantee system will be all in two times higher than in the banking system. that is, now we have a banking system of 1.4, yes, there will be two and eight million rubles. well, at least the fact that now where the state will have money, if god forbid something happens to the phone. now we have a cumulative part, which has come from the state people who are 2.2 trillion rubles. this is the money that is now in the state, and just how much the funded part we are just interested in for the price of 64 trillion , about four trillion is in the state and two trillion courts are excellent, but i wanted to, uh, add a little to yulia, not even add, but explain to the viewers , julia said for 10 years. here for 10 years. you can get information, but i didn't want to say the youth is watching us. here is the youth having bought, as he says, or having received a diploma. by now they must think you stole me.