there is an average, yes, there is no average. you see, in this, how, and again, there is a mass segment. there is a more premium segment for the mass segment, so to speak, there are fewer risks in terms of non-sales, here and there delays. eh, in a more premium segment of them , so to speak, well, er risks, maybe a little more than potential, the margin is higher, this is such an average story. i’ll tell you to tell you that developers don’t know such special greedy people, all people are greedy and those who buy apartments, when they sell me too bought i do not know for 10 million. for 10%. no, the maximum will be sold. how much can you sell it for? none of this, if it were some kind of oligopolistic market of 30%. it's there twenty-thirty on average no, of course, and again. this is how long the cycle is from the moment of buying a site to the moment of selling the last apartment. it's minimum. there for six years. this is a lot for any country in the world right now, where everything is fast-paced. well, it's

true, of course, but we came to this market for more than one year, so it's normal. yes, no, again, there is no easy business of hard business here either. every business has its pros and cons, if the development business were easy. well, probably all the time they began to engage in some other business would be easy. i don't know the shoe industry. all this is the ass of the manufacturer, the market. a-a does its job flawlessly, that is, the balance of just supply, including the number of participants that the market is regulated by a sufficient rule for hundreds of years, nothing has changed in the state. and somehow, uh, maybe you help in this, what do you expect from the state, in general, do you expect anything from the state. that's how it's been? eh, we do not expect anything in terms of what is in some kind of wishes. well, if some wishes are ideal, that, probably, for any developer or any other market, so that the rules do not change. here they are, here they are. let them remain in the elite segment and the real estate

that you are engaged in mortgages take take take of course they take. why money where is it easier to take them out? what business is the investment from? at we have buyers who are businessmen. he will now be out of business that bring in more than he says, there is 10%, how much did he pay on the mortgage? why, if he can take them from the bank, that is, a normal market mechanism? that's great that is, there take people who consider money consider the value of this money, including, well, everyone needs do not arrange our buyers interrogation addiction. why do you need a mortgage? maybe somehow without her money? i don't ask why either. i ask percentage ratio buy for well, there are non-cash. yes, there's cash god bless them, and mortgages are what time to ratio your opinion we have 40 percent in mortgages. wow, a lot, well, i would say a little compared to the mass market. i'm 80 and this and so on. it's not that much.

well, therefore, again, there is an installment with a mortgage, which we represent on our own, therefore, a person has a lot of tools that he can choose the most suitable for him . this year, a country mortgage appeared for the first time in history. domestic market in russia. well, now real estate objects of this class have learned , uh, to issue uh, or rather, to take land as collateral, and they could not even evaluate buildings on earth before. how much does your dacha cost, now they have learned how to do it, moscow and the regions, or is it a state task throughout russia that the president set in the past there in the past 2 years. and here it is, finally this year he is complete. you can say it worked. now you can go to buy land in a mortgage, and take a loan to build a house even for economic way to build a house with your own hands. and you have the bank to pay for such an earlier real estate. now let's continue our discussion. yes, it's not a question. when the question is - it's basically an investment. now, of course, if i bought

an apartment on the arbat for $1,000 per square meter in 1991, can you imagine what i would be like? we say that prices really just said, that is, it is an investment, but in a long yes, absolutely, and moreover, it is a protective investment. better than gold, and gold, you remember the crisis, there the seventy-ninth year, relatively speaking, i do not like gold. i say this on purpose so that later i can show my colleagues in the market that they say that developers and experts agree that there will always be an apartment with a view of the kremlin on the kremlin , after all, when buying a home, treat how investments can be relatively, that is , a person who bought apartment. why is it so eternal relatively speaking, the market, in fact, he will not always remain in his apartment and apartment purchase. always a person improves his quality of life emotions, and so on by buying gold, no matter the shares of some company. so, when you were talking about the stock market , the quality of life will not improve in a moment. there is

a chance that later you will be able to sell gold or there shares are more expensive there is a chance that you will sell cheaper, and repairs in the first year there are rents and so on. it's very emotional. here are fresh emotions. no, i would like to bring a share of realism to still look, but still odnushku. here, yes, on the outskirts of the city in investment purposes to buy, perhaps not worth it. yes, you will save money, but you will not earn, most likely, it is tasks. yes, yes, here, if you think you can buy one here, here is the cheapest one, yes, somewhere on the outskirts of moscow, then no. it is rather not an investment for our recorded audience. so they are investments. so these investors are called savers. yes, they are saving, they are not investing in this way. that is, it's like a bank cell, but odnushka on the outskirts. it's like a safe deposit box. you put it down and will not disappear, most likely you will not pass. yes, you will not earn, they are the five percent on which you can earn from rent in the city center. well, the closer to the city center , the more liquid real estate. here

it strives to this and to the sea. you know that in krasnaya polyana yes in sochi the cost of a hundred square meters is 10 million rubles. can you imagine? one hundred square meters is more expensive than on rublevka, but in relation to moscow, of course, krasnaya polyana is by the sea. yes, relatively, sochi is a little bit not well , all military pensioners strive to live, where in krasnodar territory think why and what is happening with real estate? she will always ask, well it actually has the reverse effect of the reverse base. yes, high, that is, the last 2 years. i there was a rapid growth. i think now, but these are the facts. these are the facts of 70 new buildings in the city in only one place. now prices are falling, because there is no such demand that was in previous years, and which i used, you know, you have to look for the bottom to feel. here. uh, as soon as the preferential mortgage was noted, so we went through the bottom, uh, at the right time to buy. what are the most building regions now alexei you where to arrange the most. we build exclusively in moscow, everything is very simply good here. let's go for our moscow audience. which areas are now the most

popular and are considered, let's say , prestigious. phew, something has changed. yes, nothing has changed. well, the prestigious is clear that the center and everything that's funny to the west. here is what i call such a real estate center in moscow, he says, the smolenskaya metro station, from there we can draw circles, but of course there will be some. yes, it 's somewhere to the southwest somewhere, if you take the country of ignat to you, it's probably a question of ramenka. yes, that's what's outside the center. yes, and then new moscow is like such a center, that's massive building. yes, kommunarka solarium, where large blocks are massively built up, and then a renovation program is still coming up in moscow, when they start building a whole block in large quantities. here, uh, we'll just ask them for now, yes, five-story buildings. but starting from this year , they will start building large blocks in large quantities. they will eventually enter the market as well. and this will also have to be used, as far as the country is concerned. well, these are cities with a million population, yes, both, the capital and cities with a million population are oil regions. is it clear why? because there

is already high and high demand, tyumen tyumen and yekaterinburg, uh, khanty-mansi autonomous okrug that's all, well, there is a pinwheel, a goat, of course, bashkiria, of course. these are all growing centers. that's where umt is, no no no, and then resort locations in the twenty-first year during the pandemic, we faced closed borders and resort market. here is the country market. he came to life what is called except for the krasnodar territory? altai ah, kaliningrad kaliningrad is now just a mecca for investors who want to make money on apartments for rent. they buy an apartment there, yes. that's to give back to the tourists there's an increase in, uh, tourism has grown in recent years. well, there is a multiple of altai the same, vladivostok is growing very strongly. this is essentially becoming the third capital, forgive me the inhabitants of kazan and yekaterinburg well, the third capital today it is really in vladivostok 200,000 rubles. behind one m². jelly is worth imagine alexey, many federal builders are going to vladivostok karelia today. we forgot, probably,

the karelians were still burning, there is a specific market there. there is a very interesting market there, there is no e in the city. there is a suburban construction in this, so it’s worth looking at the land plots there, everything around the lake has a very high liquidity high south of russia dagestan tourism. it develops there. yes, there is an active development of the urban environment, in some locations, therefore, yes, you can take a closer look, but here in the capital. to unfortunately, i don't know any projects, but only for some resort locations. yes , there is, but everything that is connected with e caucasian mineral waters. this is also actively developing today. there you can earn on a-a buying an apartment and renting it out by the day. this is a very common business. there are a lot of such tarantulas there . this is an interesting topic, yet it is a specific market. and here you need to be a very big innovation. yes, this was a topic, like this is how perestroika yes, this is it

it just sounded everywhere from every kettle iron and microwave oven. now it somehow all calmed down, but nevertheless periodically. here are my friends. i tell this from time to time, listen , something has gone wrong with my renovation. i 'm out for a week now. there it is necessary to draw up documents, that is, something is going on. but how relevant is this, how much is a market topic , primarily for market participants for developers. is it still interesting, or is the state holding some kind of monopoly there, preventing it from going there, like how is it all so and so it happens. uh, well, big companies. uh, it's easier to get access to these in this program. here are the big big companies. yes, it is clear that we are now following the path, just now it is larger than the market. yes, we have 2,000 small companies today. well, in the market there , relatively speaking, about 100 e, dealing with the company has become. here e. yes, they can participate . the moscow market has become very interesting for all the major regional developers that have become known in their homeland. yes, got some profit today prefer uh, to make such alternate airfields in moscow they buy projects, implementing together with

moscow as a fide vera e in the form of a biker, what is fed velotment? yes, you are a moscow company, relatively speaking, building projects for you, then you sell it. well, it's kind of like a scheme. uh-huh here they are very active from krasnodar from tyumen right here to moscow to the moscow market. e building land, they trodden a path. and therefore, by the way, the cost of land is also growing in moscow, and it puts pressure on the prime cost that we spoke at the beginning, this is our hint alexey have segments. elite real estate. priorities are quality, but is it a project at home or, nevertheless, this area is first of all free of charge, you can somehow share it or all of it together. in fact, here, uh, such a price parabola is superimposed on one another, including showing the better the location. moreover , the developer builds a quality product, because, well, the quality of the product depends on the location. you

want to say that you build luxury housing in the center differently than in another location. just elite housing, outside the moscow ring road does not exist. very simple, so each place has its own product. what is your furthest object of emphasis, where is it located? we have both business, e class and premium and elite, how can i say it, all three, it's simple. name the place where this is the most, please, somewhere. i don't know where. it is with his hand that it is much simpler that i create here in the southwest, also, uh, which you see, and you want to say that you build houses there worse than you build them in the center. yes? well , of course, why is it worse than like this further, look, this is the third building from the kremlin. yes, this is all that is inside the garden ring. it can be said elite. yes, such a deluxe is everything that is inside a three-ruble note, you can say a premium, and for a three-ruble note business class. well, rudely, well, actually, of course, there is an e well between the class and

there are some such joints that there is something it is not clear whether this is a business or premium, and it is clear that individual developers can call it and or there. everything else, yes, no matter how, and again, our customers do not always clearly know these gradations, they change, and so on. right now i live across from uh in zamoskvorechye opposite the skyscraper on kotelnicheskaya embankment, and there is a house there. that's straight business class. nearby, another one is being built directly written right here, well, in business business deluxe there right there in general, and i’m in an ordinary nine-story building here, well, with ordinary entrances with ordinary elevators with ordinary slamming doors, and they have one location, but at home absolutely different. that is, it turns out, after all, a location, not the most important, important itself important, some other house is being built by someone, not kosmodemyanskaya embankment, business class given. no, it's not a business after all. well, premium and above. yes, it’s clear that there is closer, er, to pavelets itself, there are also more, so to speak, premium is closer to the center. in the same place , only well, the elite, or deluxe is in general, these are

all the legs of the kremlin embankments, the embankment house, and the usual ones are not very worth it. so i say, once again yes, here. it turns out that the location is not determined by the very fact of the presence of a house in this location. you see, our houses are getting old. there, once every 10 years, relatively speaking, here comes a new generation of developers of new projects and every decade at home getting better. here is my advice to you. well, try moving into a quality new building. it's a completely different quality of life from other lobbies. this is another entrance. here you enter the entrance. and as here i do not know what quality settings are. i just now, and moved my close relatives to the new ones right after the renovation. here is the new new home. uh, there i had to demolish all the repairs and do it again, because in the repair that was , uh, it's impossible to live. well, maybe there, then there is most likely 2.9. yes, in this new house. yes, there is a slight difference, can you imagine it? well, actually there's a whole apartment here. yes, it really is, if we talk about the quality and the level and class

of housing there. there are a lot there. what is affected by this and the quality, especially of facade finishing materials. first of all, the original architecture of the spacious lobbies, as it is the infrastructure that is there, from playgrounds to fitness to residents only and so on and so on and so on, but in general, returning to the topic of real estate, resale. still, 22 was a very unusual year, when a fairly large number of russians, for obvious reasons, changed their location and left the country, and the market felt this unconditionally. well, a little, but not critical percent. yes? no, well, it's two or three percent there, a maximum of four percent, a maximum of five, you want to say that the twenty-second year did not ask for a resale, there by 10%. it sank due to the large volumes of new construction, because yes , after all, 102 million were built, e, housing million square meters of housing last year market. sorry, i’m interrupting the buyers’ market now, because the river

, yes, because there were too many offers, of course, yes, then the mortgage was still very expensive that year. yes, before the introduction of preferential mortgages for new buildings, it was more profitable to buy new buildings in 2020 than a secondary housing. because the secondary housing had a high mortgage of more than 13-14% alexey, your plan for the volume of housing commissioned in the 23rd year, but compared to those figures which you showed in the twenty-second year higher lower, as far as the overall figures do not change. so, quickly from year to year, they are on some longer one, as if suddenly some kind of unfavorable investment climate is in some, and not in the water. how would you now look to the future with confidence. well, we now look into the future sure, because well, this is the same market. what makes people happy. and

to you as a person who builds packs of houses. you just have to be the happiest person, you understand other people are happy, ignat is probably a question for you more. er, as an expert on the real estate market, there is a trend that people are more inclined, let's say, to buy apartments rather than apartments, or to rent long-term at least in moscow, so this trend appears. so he said, well, or apartments. this is a very slippery and long theme of apartments from an incomprehensible housing format. this developer has found a loophole to build pseudo housing on land that is not intended for residential construction. you can’t get registration there, like, how can you use all the social benefits in the form of a school there polyclinics, but it seems not , and this is only a problem of moscow and sochi, so i don’t think that on a national scale, this is some kind of such a topic for conversation, the residents of tomsk, believe me, they don’t know what apartments are. and now they

think about apartments that this is a woman, when they go roots , children are born. she says all garden apartments. yes, only their own levels of the state. we have been talking about the need to develop the rental market for several decades, there for the last decades , construction of some single rental houses. e for the mass market, while this is not enough commercial real estate, but it is more attractive. than than what he wants. come on, look here at rent, and housing. you can earn 5% of the rent, maximum in a very good location, uh, 5% - five six percent if you fall behind by the day. yes, well, per annum, but it is generally accepted that the profitability figures for commercial real estate are different. yes, in offices up to ten with a stretch. well, here are some here in premium locations, too, once you give an office to a petty cuts there. for in management or to the end user you transfer to rent. and retail is even more profitable and the most profitable, of course, but

this is warehouse real estate, but it is not available for such private investors. it needs a different scale. there from 500 million. let's just say. i think we need to go into this market, but now there was a very big surge. i think interests in this topic. how else, probably, to leave western companies, selling off their property in the fact that they are infrastructure and that's just such big warehouse complexes. in general, we are undergoing a transformation in the commercial real estate market, because we are from offline trading. let's move to e- commerce. yes, we are from stores. yes, instead of shops, now in new buildings on the ground floors there are some dark market dark stores where this is not a store. and a warehouse can also be considered such a warehouse real estate, that's why you can invest. yes, this is such a warehouse. media what is called this, it may be interesting. well, well, friends. i believe that in fact, summing up the outcome of our conversation. and we found out that the twenty-third year is certainly not the year of the fall, we are not talking about the fact that it will be easy, but not the fall in the cost of housing, but we are quite

confident following our developers looking into the future, the examination tells us that that the fall in demand, and in percentage terms, and even those threats that the central bank sees in a potential, inflating mortgage bubble, are not that significant and actually. eh, here. e, i really liked it and i will gladly repeat your phrase ignat that real estate should be bought exactly when you need it, you decided that now is the moment and there is such an opportunity, in fact, 23 is a great year for buying real estate. thank you very much ignat alexey e. thanks for the very interesting conversations. just took off all the language from me this phrase. i absolutely agree with him. all three of us adhere to this phrase. in fact, an apologist for how one should behave when making a decision. when i work there, e investment funds. i do you ask michael when to come in? i say when you've made a decision that you're

ready for it. thank you this is a podcast of the creative industry and in the roman karmanov studio elena kiper and we are talking today with the great soviet and russian writer sergey lukyanenko somewhere else they write, a psychiatrist, but seriously, well, that's right. yes, the former does not always exist. a big mystery is how a writer gives birth to such massive huge works. how is it all born? how are you? how do you nurture you compose? or they themselves come? for the most part, they do it themselves. in fact, i don’t think that the profession of a psychiatrist is very important here, doctors, of course, there are many

among writers and among science fiction writers too, but there are dentists and surgeons here. this does not interfere, but in fact, a medical education, probably, gives some kind of plus. like anyone, teach education in general. with a systemic look at the world, and since childhood i loved science fiction and for me, as it were , the main favorite technique when i started writing was to bring some kind of unexpected into the world fantastic assumption, and only after one single assumption appears. you can watch what's going on in the world. is it possible to teach to be a fantasy? eh, that's a tough question. you can help to learn, you now have, uh, two projects at once, as far as i know, these are the stars over the donbass, one and another workshop by lukyanenko, this is all about young beginners. uh, unknown, uh,

writers, well, who or here think that he is a writer e according to your observations. here uh. how many people from those who were seen may become a writer indeed in the future donbass, after all not exactly my project. hey, i'm in it. it began 5 years ago as a project of cultural assistance to the residents of donbass, because people were completely cut off from the media environment. they could not see the favorite performers of the writers, and we came to meet the readers. they just showed that they were not forgotten. and what about the hmm literary workshop? uh, right here, really. i think this is a very important big deal. eh, the writer is very lonely job writer. for the most part , he sits at home, at the computer and writes. you know, how in the first years of soviet power, writers gave the name of

a single handicraftsman without a motor. this is how we stayed. as soon as we got a motor computer, and in order for a creative writer to somehow develop, he needs to communicate with colleagues, he needs to listen to you. not only read voices or there, everything is clear. there will be those who will scream. it is the best book that is read and those that will be shouting that this is a terrible graphomania, in general stop writing forever. and here is the opinion of colleagues who also write support for their criticism. their. this is very important. and for this , there used to be all sorts of seminars, where they were going to write or and young authors under the guidance. masters such as uh snow vilenkin e, strugatsky well , there are many of our wonderful writers. they, under the guidance of these, er, writers, studied, sort of trained. eh, they understood what

was good and what was bad. this tradition was broken for a long time for 20 years, at least. and now we have revived it. we had the first such workshop in the fantastic city of korolev near moscow and gathered 36 people from all over the country. uh, they moved out, they saw for the first time that there are the same ones nearby. uh, people who are completely passionate about this communicated during the week, they were engaged in parsing each other's texts. uh, the lecturers came. that is, it was such a cauldron where they boiled, and i just saw that when they left, they are still boiling, they continue to communicate, argue, uh, show fragments to each other. that is, they have appeared opportunity to communicate. i want to get to that boiling point. but what if i just wanted to, well, that is, i'm not a writer, i have a very indirect relationship with writing. but i would like to know how to do it. well, it's just hard to get there. uh, because it really is

a selection. and there come the people who wrote their first there second novel that they write. um, maybe next time we'll do some kind of really open event. where can you come and see. do you often go out to a large audience. well, if in the format of learning to work with colleagues with young authors, then for the first time, that is, we had no. we had, of course, these kinds of events, but they were usually one-day events within the framework of some fantastic festival. uh, we met and discussed the works of young authors, but as a rule, it was. the short form of the stories all this lasted there 3-4 hours, the maximum is. well, i don't know, it's not very serious. and here it was complete. there is an opinion that there is a deceived generation. well, this is about my age

, maybe a little older, these are people who were brought up on soviet science fiction, who had, in general, a conviction formed by science fiction writers. again, that, in principle, by 2023 we will already be on other planets, and we will have a completely different world. and now that nothing has happened. but this is a phenomenon. yes how do you feel about generation? is there really? maybe you yourself treat him the same way to some extent when i was still a very young man. i ran the club fantasy lovers. i was 20 years old, i just corresponded by paper mail with similar clubs from other cities back then. union and i remember that when our reusable ship buran e flew, they wrote to me, well , people from some distant corners of the country just talked, they wrote, it swayed. yes, what a holiday it is for them, that we are starting to seriously explore the cosmos, that they

were waiting for this, that is, yes, indeed. this expectation was not only among us. by the way, here is ray bradbury wrote. uh, literally years there, probably 10 years ago. uh, in some article. uh, about the fact that we should now be on mars, we should have lived on the moon. instead, we traded everything for the fact that our mobile phones have become thinner and the screen shows more colors. i have a sample. i tried when covid came. e went to learn to write. eh, before that. i studied at my academy and started writing the first script. and here is my first script that i put in the closet. began to come true with me after 2 years. this is what i mean by writing or those who have the power of the word fantasies, and it further materializes. it's just that you understand this, it's neat. asks you understand, because a huge number of films have come out, and

the films of the apocalypse sometimes have the feeling that it somehow begins to resonate with our reality. well, you know, here i can say, as a science fiction writer, yes, i can really say, as a psychiatrist, that this is self-programming, that is, by writing some kind of script and outlining there some things that disturbed you. uh, apparently, since you wanted you further both versions are quite real. so just take your pick a couple of weeks ago. uh, another one almost came true. in general, from the universe of elena hyper, news appeared that an unidentified flying object appeared over the usa, they were shot down involved in general, but therefore, in principle, what surprised me was that no one was very surprised by this event. someone surprises you, in our time

you already somehow imagined that the twenty-second twenty-third year twentieth year. they 'll turn around like this for us and can you see over the horizon? well, of course, i had no idea, that is, uh, the same covid. to be honest, i thought that by the end of the year i did not think that it was a matter of months, i thought that by the end of the year it would resolve. i remember february. we were flying from abroad as a family and we just saw that part of the plane was sitting in deaf masks , somehow it even amused us. that's what panic among people, and a week later we flew to the city of london and london made an impression of the city of london from the american post-apocalyptic film, because everything was practically empty, we went into a huge bookstore and there were only sellers in the store. and my wife and i are no one else, and here i realized that it would be serious, but i still set aside half a year, but what was happening, but

everything dragged on very much. here, uh , you understand, of course, you can look ahead, but the future is really very much too much. too many different forks. yeah, that is, after all, this is our universe, the universe of each person or ours common, because when we all believe in the same thing, in general, our synergy can lead. what do you think, can it lead to us, can one way or another , maybe, at least at the level of creating some kind of general psychological picture of such a general idea of ​​how the world will develop, that is, you know, this is called a self-fulfilling prophecy, that is when a person, uh, begins to predict something and goes along this path himself. uh, with people with states with the world. this too can happen we continue this topic, then can to write or creative people to create a reality that politicians will follow and public figures will eventually

end up somewhere in a very good place, but we try. we are really trying. i used to sit and write science fiction about epidemics. i tried, on the contrary, to avoid this topic in every possible way. here. uh, well we're trying we 're trying we're trying to write. uh, good things and good meanings of the future will be with you force. here is our literary workshop, this one, for example, it was is built on what we teach those who are trying to create a positive image of the future. well, first of all, the future of russia, of course, our country. well, as a matter of fact, the whole world, because those who write about a nuclear war, about an epidemic, about the invasion of the planets. i do not know there the disappearance of the moon to earth. they will always find their reader, people love to get scared and write something negative. it's quite simple, but write. eh,

positive things, even. utopia. this is already a challenge. unfortunately i haven't read it, but i watched a draft film, and there is one of the worlds where there is no oil and gas and everything is very peaceful. well, yes, but it’s actually not that completely peaceful there, they still manage to conflict a little somehow. well, yes. i removed oil and gas from this world there. uh, i decided to see what would happen there. there are several such interesting worlds. uh, there is a world, uh, victorious feudalism, which has developed to the present level, and so on. there the picture was quite interesting of different worlds. unfortunately, of course, in the film it was only possible to slip along the edge always lucky when your hero is born. you him like, uh, psychotherapist. well, as a psychologist, but you build it up or he himself begins to live in

this world, but i usually get into it. it's ka tak, meaning, uh, i'm inventing some world some situation. uh, let's say, let's say, let's say there exists in the world. uh, passages to other worlds to go through, through which you can tell some interesting smart story, this book spectrum, that is, aliens flew in, put portals to other planets everywhere, but in order to go through you need to tell something interesting and smart. and here are the main characters. here he has this ability. and so he travels between worlds. and accordingly , from this idea grows, as it were, a general framework, and then you start to add some there. well, as you know, that's like, uh, wind. there is such a general stained-glass window mask, and then you start filling it with, uh, multi-colored glass, and you get some kind of picture in general. at the beginning, you need to come up with some kind of this frame, this very

thin grid. which holds everything, and then put multi-colored glasses there correctly, it will be beautiful, in the theater they called fufa, in fact, she was faina grigoryevna according to her passport. once. she asks me if i have ever been loved. i say loved fankers. so i paused, then turned around and said you peel off. here, recommend some guide. take dante, it is not by chance that we say that in our tradition mercy is higher than justice. here is dante's mercy in my opinion. there is no divine comedy. it's more about self-knowledge. he travels these three spheres and is actually engaged in the fact that he is interviewing, recording a podcast, since my birthday is some sixty-five , they will ask themselves. i asked my mom to buy a guitar and she kindly did. i joined the ranks of guitarists. this is how i learned it.

ok it's all over now. nights with you pentalgin extragel against pain in muscles and joints it contains the highest dosage of a substance against more inflammation and a special component for better penetration in eye-cola pentalgin extragel is designed to combat pain , inflammation in muscles and joints large packaging at a bargain price.

deposit the best percentage in sberbank reliable investment cough its cause of sputum and inflammation in the bronchi a combination of three components codelac broncho comprehensively fights the causes of a wet cough, contributing to its completion codelac broncho triple action against cough solution for every day vtb vtb card with cashback up to 30%. this is a reason to be happy with every purchase, to please someone else

, to turn ordinary coffee into a pleasant acquaintance and the opportunity to change plans, as it is beneficial for you. get vtb free card for life and every day will get better. go to vtb and everything will work out. you can fall asleep after 20 minutes venson lovers sleep. let's better, i'll transfer it to high-quality internet mobile internet the best percentage of sberbank is a reliable investment of funds with the most favorable rate of up to nine and a half percent per annum quick registration in the sberbank application online deposit the best percentage is obviously beneficial from a headache there is a searcher with a reinforced composition for an affordable price fight headaches and migraines when the head hurts.

your baby suddenly needs, and ozone already has a weekly promotion for baby diaper panties for 1.199 rubles, and also arcomme shaving foam for 299 rubles. filler pet pride for 319 rubles. i think it's more of a spasm. what is the difference? spazmalgon double action fights pain relieves spasm spasmalgon from pain and spasm, and to fight with fever spazmalgon effect order spazmalgon at pharmacies.ru sberbank presents a loan with the lowest rate in 10 years. yes, friend, how much we had with you, remember? i am the keys searched, and you had them. how did you not

let me sleep, did you open your springs? how are you tired of the sofa, take things easier with a loan from sberbank with a rate of 4% per annum with a monthly cashback, obviously profitable. i'm roman karmanov, and i'm elena kiper, we continue the conversation with sergey lukyanenko , social networks really guide us now and are we capable and should we, for example, refuse them at least for a fraction. i think that, of course, it is necessary to distance oneself, because there is such a cumulative effect of the accumulation of the surrounding opinions of a person, enters the network. he has some views. he involuntarily finds like-minded people. those begin to support these views and people very quickly.