it’s already a little strange, as if the epoch has such a feeling that you left, gone somewhere. but the nineties are just such an elephant, when new growth nothing is clear, but it seems that the drive again does not fit. so you think why the reason for the success or maybe there is a creative failure, gaidai with these films. i think it fits in really well. i suggest you watch a short snippet. uh-huh okay, thanks. how much i owe you is how much you owe, how much you owe me not to you personally. i mean kgb oh, if it weren't for the kgb would i be in this order, if it weren't for the kgb, i would still be tormented by an assistant professor at odessa university. well, i won't interfere. bon appetit. thank you. i 've said two things here, the first is the measure of

audience success. i think this is especially true in comedies. and how many phrases will go to the people one of my favorite cash desks, always offered to give up. well, guess later. how can you say that he is not successful, if, uh, so many phrases from deribasovskaya still live in a time when the audience is not so often went to the cinema. i have a favorite piece. the truth is because of the bad and the other. i love him when we see him, and the auditorium of the bolshoi theater and where at some point there is an announcement over the speakerphone of kgb agents against leaving, and then chasing to the exit and at that moment all the visual gets up and goes to the exit. and even one of the dancers quits, and the ballerina goes out. that is, this gaidai, in fact, was very fond of not so much political humor. how much he simply loved to joke about some of their realities, which, well, which made everyone so sick, like

here are the realities, i think this is what is still interesting to see the films of the year. this is the second part. yes, what i like about this is not an anti-soviet. he does not question the fundamentals of the system at all. i remind you that this is a podcast. gaidai 100, where we talk about the centenary of the remarkable soviet director. leonid yavichi gaidai i am a film historian natalya ryabchikova and we communicate with my colleague stanislav dieselsky. we actually started to move on to the topic of why the guide is now popular and why does he need to watch? i personally tried, and at one time to get to the bottom of the reasons for this people's love, and i specifically analyzed tv programs for 50 years, how often and what films were repeated on new year's eve on soviet television, and oddly enough, it turned out that and not so often, that is, a phenomenon of love, guide. this is a phenomenon of repetition of the last decades. still, soviet television. usually i tried to let down some kind of premiere, as if it were a really exemplary film, now

, after all, the strategy shows what people really like to know , they will definitely look that they support a certain rating and indeed people watch and know, but i would like to break this trend and advise viewers to watch the film that may be the most not known, if the time in gaidai is here, the same groom became sveta who is available to us in half of its full forms. but, in my opinion, there you can see where the legs grow from. there you can see everything that appears later and this is a very interesting bunch, and soviet cinema and soviet reality of the late fifties and early sixties. here is one movie that you can see which i highly recommend. it didn't become light. and for your recommendation, listen, probably, the diamond arm. why? well, because on the one hand there is no shurik and kaidai's economy is a little violated. here, on the other hand, this is formally, perhaps the

richest saturated film. c because there are also references to the italian jalol. yes and uh. well, these are the footage, a nightmare. ah , nikulin's performance is, of course, absolutely somewhere close to the genre of italian cinema and uh hmm well, songs of course well, like songs not the main one, but in general how the film is made from a formal point of view. actually , it is precisely the interest, when and in our time, and due to the fact, in my opinion, that e menkens begin to understand how difficult it is. ah , his cinema was arranged, how carefully his team prepared. and in general, as if the movie is not so with her. simple as it seems to many modern critics. it's quite difficult and directed. yes? it's quite a complicated preparation process above all the development phase. and in production, where you need to come up with everything these tricks, you will never be able to make the kind of movie that gaidai made if you think that you need to improvise , built on improvisation, of course, improvisation is always present in the acting

of actors, some ideas and things arise in the process of shooting, but still complex you can't build tricks on improvisation from tricks. gaidai has quite a lot. they need to be invented first, really in this sense, probably, the diamond hand. it seems to me one of the most perfect, uh, films of the gaidai, although ivan may be closer in spirit to me there vasilyevich, but if we talk about skill, probably the diamond arm. i think we've made a pretty compelling recommendation and leave our viewers with a choice. which movie do you want to watch or watch? it was a podcast guess, wait, i'm the history of cinema natalya ryabchikova and my colleague stanislavsky film history enjoy watching. hello dear viewers, this is a podcast of easy money on channel one, i am its presenter mikhail khanov today, we have

just a super guest, the minister of finance russian federation anton germanovich solonov. hello anton ivanovich good afternoon. let's get right off the bat. we are on our podcast dealing with questions. what is money? for what? why? how is everything arranged? how does it work ? you are responsible for everything. here. uh, for which in the answer the ministry of finance very clearly noted that, probably, the ministry of finance e. in response to a lot of it, that's not i spotted it, of course, but for me, for what money, probably, first of all, everyone knows that there is never a lot of money. and, of course, an offer. uh, it's always more than there are resources, but we have a lot of money. i said, if you carry out an allegory of the ministry of finance here you are, how is the minister of finance you eh? director or you are the chief accountant, neither one nor the other, we work in the ministry of finance. e must

, e, also perform an analytical function, because without how to properly dispose of e budget money, where in the first place e direct, probably will not be successful in any case seriousness. you decide or there are still some settings. uh, determined by the government. we are making an offer. we give an offer, but from the offer of mr. finance. uh. i said that a lot depends on the final score. eh, the decision of the government is guided, including the position of the ministry of finance, therefore. you say, it means what the ministry of finance does for what in general, how to say it is responsible, you know, probably a little, it means, sectors and industries. what is the ministry of finance not responsible for? there is also financial policy. here, budget taxes are part of the monetary policy, since we, together with the central banks, are the powers of the central bank, but uh, fiscal monetary policy is

linked. eh, interbudgetary relations are very strong. yes, in general. this is once again the definition of priorities. uh, without the uh positions of the treasury, since each task usually requires money. that's why the ministry of finance is present everywhere in all decisions that are made the state, probably can be formed. so your task is to allocate the budget in such a way that we observe this very financial stability. you said you have enough money. yes, how do you feel? how to understand how a person who does not have a financial economic education can understand what money to get there, what is financial stability, financial stability in general. you know, probably, when people don't care. uh, rising price tags stores, when our people are among the news. uh, they learn about the weather first, not about dollar exchange rate or to others we will

definitely talk. that's when inflation is, uh , predictable, and when there are no such problems with obtaining wages. that's all, if we put it this way, financial stability, in fact, of course, behind this term lies a significantly huge plast e of work, in terms of e and budget, e and debt policy and principles of financial policy, which e follows the government of the russian federation, but we, as the main financial department, give corresponding proposals for the government, therefore the ministry of finance is precisely the body that is primarily responsible for the financial stability of the state. and this is our top priority. by the way, here is the question. how many people work together with finance 1600 people. 1.600 people. i would say that this is not a lot of people. this is also to argue with you here, in fact, many people believe that if there are many functions, then

more people are needed. in fact. this is completely unrelated, because in the end account responsible for each direction people specific issue. e in e professionalism. uh, that means these people. it doesn’t matter to me how many people you have under your command 100 people or 20, if you formulate the tasks correctly, if you organize the processes correctly, then you can, uh, do the same functionality with a small number of professionals, returning to stability , er, 23, and he will be er more stable than twenty- second. do you think that the budget is equal to the budget deficit of three percent. how much i know, if not memory serves, what can be said to calm e. uh, tv viewers, that financial stability is here to stay intact even with relatively deficits. forecasts for the current year, we are more optimistic here, because we understand the situation we

are in. the most important. our job as a government is to, uh, our people live better and not feel the limitations that, uh, our country faces with our economy, so, i'll give you some numbers, uh, estimates. e for the current year real wages should rise by 2.6%, and real incomes by two percent. this means that, despite the dynamics of inflation , incomes will grow higher, higher , the consumer price index, higher than inflation, by these indicators. this is the first. for the second, we are planning for the time being, which means that even if there is a decrease in the dynamics of our economic growth, this decrease will already be much less than last year. and next year we will reach a positive twenty-fourth on the twenty-fifth further this year, we

will practically reach our planned, e, rates inflation. that is, we have a target called yes 4%, this year we expect, well , between five six five and five is the last year. we finished recall 11 1/2. yes, 11.9, yes, we have 12 digits, so the most important thing is that people will live. uh, even uh, that means in the black in terms of real income. exactly this. most importantly. the main, final, indicator of the work of the government, so that people would live better , the second economy is adapting and despite its decline so far. we expect someone to have a decline of 0.6% of gdp, this is an order of magnitude error, maybe, uh, if it works out, uh, more an optimistic forecast would be an indicator of better weather. that's inflation under control, as far as? i'll correct your question a little with the budget last year. we've finished.

this means that this is a year with a deficit of 1.7%, 1.7 - this is without taking into account the deferrals that we gave our companies e on insurance premiums, and with these deferrals, since we compensated part of the expenses e from the state budget fund, and two and three two and three percent, and this year we have planned a 2% of gdp budget deficit. that's why it's absolutely acceptable. eh, that means working indicator. e, of course, uh, means the level that uh, in no way will e lead to financial discibilization, so uh, answering your questions, economics. uh, will work better than last year. uh, inflation and uh, our forecast for the dynamics of economic centers will decrease uh this year. once again, the figure is wrong somewhere around 5.5% of our e, a little forecast for the current year in terms of

inflation. and most importantly, we understand how to work in these conditions. we understand those points on which it is necessary to concentrate resources in the first place - this is support people, the second is business support. our task is to provide both the regions and local self-government bodies with resources so that they can fulfill their tasks, therefore we understand and can say that despite all this sensational limitation that our country has faced. we know how to work. well, i can't help but ask a question, since we have already moved on to the topic of sanctions and the topic of the dollar. hey, we can move on. so my youngest daughter asked me when she found out. and that i will be talking to the minister of finance. he says, dad, why do we all follow the dollar, and why the whole world does not follow the ruble here it all depends on the economy, answering the last part of your

question. why doesn't the world follow the ruble exchange rate, because, uh, the ruble zone is in uh. the scale of the world economy is not as significant, but i can not agree with the approach. why is everyone following the dollar exchange rate? i don't know why we don't follow the dollar exchange rate, because we are now switching to the calculation of friendly currencies first of all. it's like the first part these are friendly countries with which we are building relationships. well, first of all , first of all. why do we used to uh so much attention? dollars, uh, means, u paid, because our trade was, uh, primarily in dollars, yes, in dollars and euros. e, means, uh, pounds and so on. this so-called reserve free convertible currencies were considered. it seemed to the top units of account that this is a completely unreliable tool that

can be taken and canceled. that's why trust we don’t have this kind of unit of account, it has been lost, and uh, lately, you can see it, we are switching to trading for trading, and in other currencies in rubles. and, of course, from other and friendly countries , this is the yuan, i will give a few figures, if in the 21st year a significant part of our settlements were carried out in e-dollars, there euros and so on in e-rubles. e, that means from the calculation of e, about a third about a third, now e in rubles and artistic currencies is more than half, about 55%. this dial will be further growth. that's why, when you, uh , say, you can answer your daughter, of ​​course, you know the ministry of finance is not worried about what e like uh, so, uh,

you will lead. e dollars, we are more concerned about how it will be, then the economy will develop? uh, how will the income to the population grow, what kind of employment will we have? will there be unemployment? no, next to say, now one of the elements of stabilization - this is the lowest. the rate of unemployment is 3-7%. that's why such urgent problems are much more important, than uh, exchange rates. you said that life will be better due to the fact that incomes will increase. let there be two there with a penny by 3%, but, nevertheless, the fact itself, yes, and speaking in simple words, there will be more money in your back pocket, brul. yes, as we sometimes say, but just a very simple one, which can interfere with this plan, and this year, but turn into reality, that is, what can happen that e are not fulfilled will not show or on the revenue side of the budget, but spending side of the budget. they will be exceeded

such predictions, what are you doing? we have different forecasts, but our most important task is to ensure that those spending plans that are in the budget are fulfilled and they will be fulfilled whatever the risks are. yeah, there are risks associated with external factors. well, you see all these sanctions packages. of course they are accepted. i understand that we once again say we have adapted, but we have a large volume. uh, the structure of our exports. export of hydrocarbons, gas, oil and so on. yes, here is our uh, unfriendly countries are trying to reduce the income of the russian federation here experts in the first place hydrocarbons all sorts of slingshots, there are price limits and so on. yes, we are now refocusing on, uh, other markets. eh, so they themselves suffer more from this inflation. by the way, in many countries the importance of e is growing in them. according to

past years and therefore here with nevertheless in a number of countries. uh, european means inflation. e, exceeded 20% were so, so what are the risks? there are risks? year, but i repeat once again that our exporters will reorient their flows and find new markets. yes, it will be a little more expensive for us, because the so-called logistics or transportation of goods also requires costs. there are, uh, certain risks in this, but i repeat once again that we also have , uh, an answer to these risks. and what are the answers? this means that we have budgeted a certain level of oil and gas revenues of eight trillion. uh, we planned that it would be under nine, but this difference, to be

exact 970 billion, then this difference, we planned e, means to send the national welfare fund, if e these plans are ours in terms of price indicators and revenues from the export of hydrocarbons. eh, so, uh, they won't come true. well, then, uh, we won't ship to ours. uh, reserve those funds eventually. even then, we will be able to take this money somewhere, or the initial national wealth that we formed, by the way, we can talk about the liquid part of about six trillion rubles. that is why our task of the ministry of finance is to ensure that everything that was planned in the first place queue. this is our, uh, commitment to citizens. everything was done , no matter what the sanctions are, what oil prices there are on gaz, everything will be done. and this is the main function of the ministry

of finance in order to find resources to solve those primary tasks that were planned for the current year , in terms of risks. the fact that sanctions prevent the growth of income from the sale of hydrocarbons is understandable. is there a risk of a global recession, that is, if the world as a whole decreases resource consumption, uh, i don’t know there metals. e hydrocarbons. it’s just that the world economy will enter a half-hour session, which is now scaring us and the monetary authorities , there are america and europe and even japan, this is the risk of a global slowdown and a decrease in consumption, that is, well, in fact, the global economic crisis is a risk current next year. of course, these forecasts were also miscalculated, since we are part of the global economy. if, as you say, the world economy will sleep, then it will be a recession on our export goods. this will be

a reduction in prices for these goods, of course. we will be able to less, which means we will receive income from exports. i'll say it again, uh, despite all these risks. although we believe that in connection with the opening of china, e, means the risks of a recession in the global economy, but china is still one of the major drivers of the global economy. if it opens, then we hope, which means it will be able to, uh, support the world economy, uh, with its growth dynamics, and china is now our main trading partner under 200 billion dollars, we are increasing the supply of our energy raw materials there. from there i receive those goods that were previously purchased from western countries, therefore western countries. uh, that means introducing restrictions, imposing a ban on the work of their

companies in the russian federation. well , they have repeatedly said that they shot themselves in the foot, because they reduce, uh, market share. well, others will take their place. she saves the hidden, so she says, yes, the wise russian people simply do not have a holy place, or they will occupy ours. eh, that means the producers we see now after leaving. eh, it means that the astral business immediately enters this place in our company. if these are the technologies that we used to receive from western countries. now the long-awaited premiere of goods from friendly countries is becoming unavailable. this is some new recipe, you start behaving here, how to cook some kind of breakfast at home. i'm leaving, i took natasha after you, well, you still burn. everything around him attacked. what is he, you don’t speak from your life and everything from one bastard. beautifully touching, yes , the child has the first blood type, and the man has 4

this is not his son pregnancy test new series from monday on first good morning. late hangover. this is a podcast of easy money on channel one. i am its host mikhail khanov . today we have a guest, the minister of finance of the russian federation, anton germanovich. how much does it cost to borrow money from corporations from there, even from individuals. we are now borrowing from the beginning of the year a little over ten percent 10 small, but in fact we believe that this is a very high percentage and the future of our auctions. uh, we see that there is an opportunity for a downtrend, by the way, speaking, you said about the viewers, but about the people about

our audience. yes, yes, our government securities are a very good investment tool. now how many in banks. uh, can uh, so put your money on deposit? well, six seven eight top, yes, top, five six seven ten percent, well 10 is a long time. let's tell the audience that 10% - this is not a year a year you can buy today. you can sell, but 10% will get coupons. yes , let's not buy this now, uh, federal bonds. well, i can say that when i answer questions. where is the common man now? yes, without any investment skills. where to save money? i say that the first and most important tool is ofz. these are federal bonds. if you live in this country, you believe in this country, you are in it. yes, there is no better tool. those who loved foreign action assets. eh, today we see, unfortunately, unfortunately, they suffered, because investments

fell into tesla and other western companies there today are blocked. it's just western infrastructure, so if we talk about e, then about e investments, the yield of paper and the projected inflation of 10% is only now at the beginning of the year. if we already see a slowdown, the dynamics of inflation is already moving , the trend is slowing down sometimes now. if anyone wants to protect their savings, they should buy more now. uh, so the minister of finance advises, how to do it right, but investing money is worth it. thank you again, we say that the target inflation, well, we forecast inflation of 5.5 with a yield of more than ten. you are this favorite. as i will equip inflation, you will actually enrich inflation in well , at least this year banks will not give such profitability. why why don't banks catch up so much on opportunities? why

don't banks give more? well, because, firstly, they are also guided by the cost of resources in the economy, the cost of resources in the economy. including focuses on our securities, so now you can take a loan. well, there 9 10 11 12 it all depends on the borrower in order to issue such a loan, banks must attract resources lower than the cost of the loan, because the difference is and uh, the bank's costs are the bank's risks - these are the reserves that are required jar. in any case, if there is a certain gap here, then between the amount of money raised and the issuance. so, uh, then, it's like the bones of the costs that the bank bears such a banking system, answering the question. i still love. this question was asked, what do banks do , banks buy and sell money, respectively, they buy them cheaper, they sell more expensive for these, as they say in a well-known joke, two questions for you and live. ah. it's good

if we started talking about debts like that. let's have a simple question. are you a civil servant? of course, you also have a map of the world. yes, and for which you receive, uh, wages. do you have a credit card you personally have and you use. well, after all, i have a credit card, i use it like an ordinary payment card. you yourself climb into this credit uh, the story is rare, well, just force the minister of finance, uh, to get into a loan. what personally , everything is very simple for you to see. i have. uh, deposit banks so here i have cards that receive wages . yes, these are cards. uh, if you receive a salary, part of the money is sent to e, then the deposit bank account, here, huh? it remains on the card, so if i buy, uh, it turns out i have to pay more than my account balance. i get into credit, but i have e bank. uh, so, since i'm already

an experienced client, reliable gives me a month and interest-free loan. you try to endure, that is, financial hygiene, as i say, you endure. and by the way, the question is this. here you personally on your mobile phone financial scammers called at least once, you know, i try not to take , uh, calls from unfamiliar resources. well, by the way, yes, life hack, uh, the administration of finance is another one, in addition to the federal law for our audience, do not take phone calls from those numbers that you do not know, we continue the issue of financial systems, including card systems , for an important look. is it possible for a single financial system? well, let's not talk on a planetary scale, but at least there is a fairly wide distribution. politicians at the present time it is impossible to invent here, although ideally, of course, today. if we talk about such a system, then, uh, we can talk about

a single system of settlement payments and settlements among friendly countries. suppose e strange brix brix there, yes, it is quite possible that such a currency will be calculated. well, it can be some kind of national conditionally speaking, the calculation of the unit, how would you remember the transfer of the ruble soviet time, here, uh, on the basis of which it would be possible to calculate, but such, uh, studies, as it were, are being carried out, but uh to uh, decisions are very far away your relations are two-circuit financial system in russia and you could say a few words on this topic to say you know this is a two-circuit system. maybe this is it? the specialists came up with this, i consider it more theoreticians, that what is it about that there is some kind of reagent, namely gold, oil, metal, something else, and the corresponding

monetary units are allowed for this asset, because it means an asset is issued as a collateral for a cash equivalent is these , how to say, as a rule, some kind of raw materials. how to say u the resources that i have certainly offered us know here u under the redundancy reserve. yes , print more money. that's actually. it is possible and, uh, if we talk about such bypass, well, as if bypass elements, what can be done? e with digital financial assets, namely the so-called stablecoins, i don’t know who works, who knows, they are issued under specific asset. that is, i am an entrepreneur. i say that i have e, well, relatively speaking, there are machines. e, means the volume of e, production from these machines. yes, i want to expand my business. and i want

to buy more. uh, so, uh, production assets under this i release. e, means digital financial assets and attract money. this is how it might work. well, as always , in fact, but on a national scale. i think that this is an unpromising way of being interactive or that utopia is essentially close to utopia. yes anya we are anyway like the ministry of finance does not support this. so, since some banknotes or rubles are even issued under e, some assets. we are not the central bank. we don't see it in this. we don't see further development. yes monopoly state money printing should be unshakable as this is one of the main functions of the state. and your relationship to the digital ruble, then this is promising. e means direction, because a number of countries are working on digital units of account. uh in china uh, the digital war has started. as long as a limited number of conical e, means areas of application. eh, what is the difference between

a digital ruble and a regular ruble? are there pros and cons? what are the benefits? your own ruble, which means that buying this ruble is absolutely reliable, because the issuer is the central bank, if you have money stored in a commercial bank, then there is a risk that, well, the risks are the potential of the bank, of course, the bank goes bankrupt, the money is gone. in addition, uh something of a level that is guaranteed by the state, that is, the first plus is that reliability is 100%. second plus. so, what kind of calculations. uh, means for digital payments ruble is not charged, no commission. what are the disadvantages of digital ruble balances that do not accrue interest, because the central bank will not pay for this interest. that is, here it seems to be taking place outside the banks. and the second is that while at the first stage. uh, it's about being able to lend or take out loans of digital digital assets, since banks are in this system. they

will play a role, as exchange e-points of the digital ruble for a regular i was a bank. i would be scared of a camera with him, that's it, what to do in such a situation in this coordinate system the place was to work with ordinary rubles. again, i say loans. these are services. these are calculations, they have their own niches, they have their own niche, but their role will be interesting in the first place. uh, for the budget, since it is exclusively targeted, so to speak, transparency. it cannot be actively used somewhere for the purposes envisaged by the law on the budget, and we, after the instrument is operational, we will gradually begin to use it for our budgetary purposes. here, er, so the central bank. uh, means actively participating uh, in preparation for legislation something and uh, deploying this system. well, the end of this year next

year. i think we will see the first active support. yes, how often are audited here are the state programs and and what do you do, if you are ineffective the right question, because the money for state programs is on us a project. we have only one of the projects with three trillion rubles a year for a state program that is orders of magnitude higher. the tasks and the goal, the most important goal, are defined by the president as a national development goal, and tools are arranged for these goals. uh, we have projects and government programs. they are all provided. and in these e-government programs and national projects there are indicators that should be achieved as a result of the implementation of these tools. this is the most important thing, because it is not just to spend money, but to get the result of spending money. it is simply important to achieve the goal with this money, who checks?

how often here who checks here not only the ministry of finance uh check even i would said not so much to the ministry. we also have a government commission specifically for national projects. this means that they are being led by vice-premiers and relevant councils on national projects. ultimately, uh, the government, uh, both the chairman of the government and the ultimate leader , who asks for and with the implementation of the national goal of the president, conduct special councils for the implementation of national goals , uh, the goals deserve uh, the government, what is done, what is not done, if not done why and what needs to be done in order to this was the goal, so they conducted an audit and closed some of the state programs. of course, fine then. now i will mention in quotation marks, probably, one state program that certainly worries our entire audience and the actual support from the state is called mortgage. and there are some plans

, perhaps, and for the continuation of preferential mortgages, there may be a development of this project. yes, we will call it a national project. well, because affordable housing is a really important national project. will it be reduced bet, after all, in simple terms, yes to our audience. you know that mortgages have grown tremendously in recent years, of course, and this is very good, because a million of our, uh, citizens have received a new apartment thanks to the fact that the mortgage mechanism has started working, and we see, of course, other countries have gone much further. we have room to grow, there is room to grow, but apparently we will see this time at least in 2023, because we now have a number of programs in operation. uh, preferential mortgage programs, but the most important thing is to ensure that the mortgage was available without any of these subsidies and so on. this requires low inflation, low cost of loans, but as long as the loan is expensive and there are a number of subsidized from the state budget, the program will name a few of them.

the first is a general preferential mortgage for everyone . yes, they are acting, uh, recently extended by a decision of the president. july 1st, 2024 twenty-fourth yes 8% rate. e under this program, that is, everything that is subsidized from above at the expense of the state; the second program, which, e, is probably no less important. this is a program that is not aimed at supporting families with children, if the family has children, you can get mortgage e, preferential loans at 6%. next is the program. uh, subsidizing mortgages e regional e, cuts, this is the far east mortgage two percent two percent mortgage in new regions. uh, that means two percent mortgage for uh for it professionals. she's up to five percent there. you follow the balance of price growth

and the actual mortgage rate, because it is no secret that prices per square meter are growing. son grow up lately declining good. well, summing it up , it is most profitable to be a family it-specialist in the far east, then you get almost all the benefits. but if, uh, then, uh, a person is a resident of the far east, there are certain conditions, then yes, the rate is 2% it seems to me not bad, but i repeat that we are using these programs. uh , we are stimulating hmm uh, it means buying a home in new housing in new buildings, because here, on the one hand, there is support for people, and on the other hand. we want to support construction sector. yes, all the same, so that more new modern housing is being built. and this is also an essential resource for our economy, an essential driver of the economy. here, therefore, two

tasks are being solved here, the first is to help. e in the purchase. uh, that means new housing, improve their living conditions , and of course, stimulate the economy . years of employment, uh, economic growth is excellent, mortgages are a good program. mortgage is a great answer. this is also for you, of course. uh, well then you know how to end on such a positive note, a question and he is so philosophical, uh, partly, but nevertheless interesting, what is needed for our country to be the richest , happiest, and our citizens to be , respectively, the richest, happiest in the world. you know, you ask me this question, you probably really think about money when you talk about wealth. this is, uh, not only not only absolutely, because we are rich in our culture , in our traditions and in our lives and values.