so that the schoolchildren themselves say that we are organizing a boycott, yeah, so that the teacher says, we have a boycott, so let’s talk, and so that they speak themselves, usually, if the conversation is directed correctly, but i don’t yet know of a single case when schoolchildren did not said ourselves that we have this problem, the next moment when we discussed this situation, which in class, we play a game, help them make a moral choice, it is very simple, and we offer to give ourselves one, two or three points depending on the one who what contribution does he make to this? those schoolchildren who never participate in the boycott give themselves one point, two points for those who do it, some more often, some less often, but would like to stop it, three points for those who say that i i will always participate in the boycott and you will not convince me at all. practice shows that usually the majority give themselves two points, there are those who give themselves three points and say that we will always boycott, but this is also important for us.

information, don’t be afraid of this, because well, that is, we understand then who is in what mood, and well, maybe it’s worth working with these children separately, but when we see that most of the class, they all vote together, says that we are organizing a boycott, but would like to change something, this is a very important point, because we are talking about what’s great, you all say that a boycott is happening and you all want to change, so let’s think about what can be changed, and it usually takes one thing lesson, yes, next... lesson, this is what we agree on about, well, sort of rules, about how it would be comfortable for everyone to communicate in class, for example, there, i don’t know, we don’t insult each other, these rules are also formulated by the schoolchildren themselves, so that this is not imposed on adults further, for a certain number of weeks, we make sure, that is, all the schoolchildren together, that these rules are followed, that is, we usually either hang up a mailbox, they put notes there, or we put some two containers into which they can throw tokens different colors depending...

whether the rules are being followed or not, then, well , we look, discuss, often already at this stage there are fewer episodes of some kind of boycott, then we have the next lesson about , well, respectful communication, that is, about borders, about friendship, about friendly companies, how to respectfully defend boundaries and so on, and then there are team building games, if you work in this sequence, then well, the results are quite good, that is, if you briefly understand first:

well, it’s like constantly falling into the role aggressor, yes, they are statistically more likely to become people with deviant behavior, statistically more likely to use psychoactive substances and participate in crimes, this does not mean that all victims will definitely commit suicide, yes, this does not mean that all aggressors will necessarily be deviant people, associated in the future , but such a dependence has not been shown in any study, therefore. victoria, how

did the experience of bullying affect you, if you are willing to admit it? you know, it is very difficult, as an adult, to determine what exactly what was affected, because over the course of life a sufficient number of various injuries occur, including injuries from bullying, but i must say that, probably, before 2014. year, when psychotherapy came into my life, it was quite difficult for me, in principle, firstly, i have a public profession, but it so happened that i was uncomfortable in society, well, really, downright uncomfortable, it’s convenient for me to be on stage, because that here no one looks at me from the sides, does not judge me, these people came at me look one way or another, i came and i left, i don’t have any contact with them, but as soon as i was in the space in my...

there are a lot of social events, filming, something else, interviews, when you need to communicate with people, this was difficult for me for a very long time, it is still my favorite pastime in my free time. this is staying at home, not going anywhere and not communicating with anyone, i don’t know how much, how much this adds up, i don’t know, the consequences of bullying or something else, but i’m honest one way or another i try to avoid society when i can, i’ve even had situations when i came, for example, to a social event, alone: ​​i’m ready, i’m made up, i look beautiful, i like myself, that is, i’m already kind of a little bit... i’m a little sure, but i ’m sitting in the car and practically crying because... i can’t get out of it, i can’t, i can’t force you to go into the company of people now, and i don’t know if i’ll meet someone i know, or there will be a stranger there, but i will be uncomfortable, i don’t know if this is due to the consequences of what happened there in my childhood, this aggression, this

hatred, this rejection, but the fact that i am not very comfortable in society, yes, the born cradle of russian orthodoxy. a land that remembers the baptism of prince vladimir, his glorious exploits and the beginning of the great history of the russian state. in honor of the anniversary of the baptism of russia. the opening ceremony of the new chersonesus complex. everything we planned, everything worked out.

for you, that mom is no longer with us, what he experienced at that moment, that evening, he, only he knows, is a great responsibility, tell your child that his mother passed away, how yulia’s only daughter survived this loss, what path she went through after her mother’s death, i’m somehow very mega- strong, somehow i had everything so i pulled myself together , that is, our exclusive 5 -year-old, adult life of a girl who decided, at all costs, to become a star in memory of her famous mother. when you appeared, my life changed, i will always be by your side. exclusive with dmitry borisov next saturday on the first. you are looking

podcast schrödinger's cat, i am its host, chief editor of the popular science magazine schrödinger's cat, and we discuss bullying with our guests, psychologist maria. afonina and singer victoria deneko. watch all episodes of the kud schöldinger podcast on the website of the first channel 1tv.ru. maria, how widespread is bullying already in adulthood? worker place, they talked about how this is...

centuries, then they began to study bullying in adult groups much later, only, probably, somewhere in the nineties, in principle, well, not much has been done, so, in general, the principle is still the same, that is, it is important that a person, in the organization where he works, has a place where he can come to say what is happening, well, something is not very normal, and that there is some kind of service that could provide support to a person in this situation, but... in practice, of course, this not very much right now. victoria, probably now, when you are a well-known figure, you receive hundreds, maybe thousands of messages, how bad, how terrible you are , how do you feel about it, now it’s easier for me

to perceive it, but still it all depends on the context, sometimes it happens , they can write like this that you are still, well, you’ll be upset , you’ll worry when i was with... very young , only everything happened to me, the star factory and the first forums, i read and think, what did i do to them, for what, why, why? so here it is - did it stop me when it came my way? no, was i pleased, of course not, but now i try, you know, mentally, to simply wish this person well, because i understand that a person who is doing well, but he will never go, he will never write what - that’s disgusting, well, even if , roughly speaking, i don’t like someone, i don’t like someone, i don’t have time.

to express their own misfortune that is happening at home in some other way, so they try to behave this way in

society directly to him, tell me, i would come up to this person today as an adult and hug him, say, everything will be fine, you don’t need to be embittered at the whole world in order to somehow realize yourself in this life and feel better, i would just i hugged this man, honestly, it seems to me that then the anger would have decreased, marya. by the way, cool, very, very good move, this is generally excellent. maria, here you are, here, presenting this person here, i don’t know, a group of people, what would you say to them? well, i could say that you were wrong, that's it i could just not say anything, because this is the experience that happened, i survived it, and i move on, in principle, it’s no longer very important what happened there, well , if i now met those people who me ...

i can even feel gratitude towards these people, but all the same, even though i have processed everything, or not everything, but at least i live with it and live well, i have not forgiven you, so, probably, on this emotional note i would like to finish our podcast, it was the podcast of schrödinger's cat, and i am its host grigory tarasevich, editor-in-chief of the magazine cat schrödinger.

this is the easy money podcast, me and its host mikhail khanov, today we are dealing with national payment systems, new means of payment, and most importantly, new technologies that provide all this. and our guest is the first deputy chairman of the bank of russia olga nikolaevna skorobogatova. hello! hello, mikhail. thank you very much for coming. there are no comments from market participants, from commercial banks, first of all, that the central bank is pulling the blanket on itself. here, let's say, if the payment system "mir", into which, by the way, no one believed it either, yes, with what difficulty and squeak it was launched, now de facto we are already so accustomed that it is on a par with global payment systems, card ones. eh, here the role of the central bank is, let’s say, supporting, regulating, and when it comes to such things. we will now talk in detail about how the digital ruble is, how it is a single qr code, how much here you receive

from market participants the remark that the central bank wants to become the main bank, that is, why is all this, and how will we be in this paradigm of ourselves feel? you know, in general, the attitudes of market participants are very different, for example, by the way, you remembered the world map, at the beginning of the journey, well, in addition to skepticism that this could not be done in the time frame in which we did it, and there was also skepticism, why at all this is necessary, we are doing great. cards of international payment systems work, there was certainly skepticism, but why is the central bank doing this, even if one of the commercial players would have done it, well, history puts everything in its place, and i must say that we probably answered... all three questions, why is it us, why did we do it, what did it give us, in the situation we are faced with, but when we talk about some other such infrastructure, centralized solutions, certainly part participants always try to interpret that we are trying to enter into the commercial activities of commercial players, which is not true for one simple reason:

the central bank cannot and should not serve clients, that is, servicing clients of individuals... legal entities has been drained will be drained by banks or participants in the financial market, depending on operations, trying to say that the central bank has become a commercial player is, to put it mildly, incorrect, because it inherently cannot become a commercial player, what a central bank should and can do is to create an equally distant infrastructure when all participants can use its services, and by all participants, i here mean not only participants in the financial market, but certainly citizens and businesses. the central bank does not take commissions, let’s say for our audience that the central bank takes commissions from banks or from financial participants, if they make payments for participation and for connecting to this or that system, here are the tariffs themselves, there are limits on transactions or some kind of package services or cashbacks, this is established by the commercial players themselves, that is, we as

consumers are all used to it, i think that all of our viewers and listeners have used sbp at least once in their lives, everyone knows these are famous. colored triangles, and we won’t even name the different banks, and even they now put them at the forefront, they are immediately can be found, not like before, but there you had to dig into the application in five clicks, this system of restrictions of 100,000 rubles of transfers, and often to yourself, is this set by the bank or is it set by the bank as the regulator of this platform? the commercial player sets the tariffs and limits himself, but in some cases we can set a threshold, that is, nothing more than. how much is it now? in your example, by the way, with 100 thousand, if we are talking about sbp, 100,000 per month for free, over 100 thousand, no more 0.5, by the way, that’s it, now we’re talking about c2c transfers, the so-called, when a person transfers to another person, in this frame over 100 thousand to 0.5, in fact, if you look, banks also set very different commissions , some 0.2, some 0.3, some

0.5, this is just to the point that yes, we have set a threshold, but then, as far as the bank works with the client, it... . is included in the sbp system, obviously, in fact , this applies to absolutely all types of payments, that is, you can transfer it simply according to your payment order, that is, from your account. as for this, regardless, regardless, or through the sbp, and the limits are some kind of in pieces,

that is, how much is 1 million, 2, you know, we had no restrictions on transferring the amount to the sbp. is there room for further development of svp? oh, yes, the issue of payment technologies, probably in all countries, it comes first in terms of their connection, because the seamlessness, the so -called seamlessness of the connection and in general all new innovations that can be applied in payments, because they are certainly commercial players, well, they are fighting for our money, they are on they make money from this, this is understandable, the question is who

does it faster, more conveniently, who comes up with something new, becomes more interesting to the client, one of the now... let's just say, i'll let you hear about the projects, this is a universal, so- called universal qr code, which this is it, let's start with this, and what changes await us here? what is the central bank working on now? what we encountered when we quite actively saw the results of implementing fast payment systems for payments, that is , there are two parts, or you transfer it yourself yourself or another person, or you pay, for example, a retail and service point, i think that everyone who regularly visits stores, pharmacies in general. everywhere we go, yes, they pay attention to the fact that the number of stickers on the glass in front of the cashier, it grows with different payments, and to be honest, when there were two or three of them, well, people somehow got their bearings, now in some places it reaches 5-6 and 7 8 9 10, if nothing further is done in this regard, the person will definitely get lost and will generally cease to understand what

he should pay with what and at what moment. with on the other hand, why do we want this payment service through sbp using qr, and not only through sbp? now i’ll tell you that universal qr is not only a technology for sbp, let’s explain once again: a qr code is this is the square of lines that we have here. pasted on, it says, for example, pay with a power supply or pay with such and such a bank application or such and such a payment campaign application and a qr code - these are different mechanisms, tools, and these are not just different tools, the hut is like a payment infrastructure, and the qr code is technology, which will allow making payments both via sbp and other payment services of banks. the initiative for a universal qr code comes from the central bank, yes, we will continue to do so. why did it go away from us, and we still decided on it, although to be honest, we thought for a long time, as you rightly say, it still works, but if

everything works and you don’t give the opportunity to create something new, then very quickly may become outdated, but we, just as a country, want to always be among the top three leaders in innovation and payments and generally take first place, even there is no second third, but that’s why she appeared? so we just realized that technologically it is necessary to develop a qara standard, when a person does not think about how to pay him, or, well, a payment instrument like a bank to pay him - deciphering, yes, that is, how it will look there for you and me as consumers , we come from the consumer, we come from the consumer, and you go, for example, to some store, you have one sticker with a qr code, or it is generated dynamically on the terminal, different technologies. there is, well, it doesn’t even matter what with the simple one, yes, here’s one sticker pasted, not eight stickers, well, the sticker is right here, in fact, someone should enter the amount that i have to pay for the goods, if this is a fixed

sticker, it’s not dynamic, of course there is interaction with the cash register terminal, yes, but if we simplify it, then a person, simply pointing his phone at the qr code, he chooses not only what tool to pay himself, the key word here is himself, but he is not forced, yes, that is, he can pay. as i said from bp, maybe to pay with a payment order from some bank or a payment service from an account, in general , he chooses which instrument to pay and chooses through which bank and confirms the payment, but the most remarkable thing is that when he then, for example, goes to some other store, if he wants to pay with the same tool and to the same banks, it simply confirms the payment, that is, we will also create a technology that will allow the client to remember the last bank that is convenient for him, the platform took a long time to be written, in general, the principle always works in our country, but i i paraphrased it a little for myself, before it was a five-year plan in 3 years, to me it always sounds like a five-year plan in a year, but in

principle, honestly, with good organization of inspiration and the right project structure, you can make even the most complex projects from scratch in a year , in terms of qara - this is less time, it took us, it took us about four months. you, as a person who a manages these projects, b, actually creates them there, well, almost with your own hands from scratch, c compiles them together and at the same time looks at how they fit into existing realities, attention to the question, 10 years have passed, do you think people will more often use cards when paying for goods and services, or a universal qr code, i think in 5 years people will use a bar code and digital ruble. this is the easy money podcast, my host is mikhail khanov. today we are talking about national payment systems, about new

tools, about the technologies that these tools allow us to implement, our guest, first deputy, helps us with this chairman of the bank of russia olga nikolaevna skarbogatovo. bioequipping is a scary word for everyone. olga, what is this? of our new projects, it became possible, including due to the fact that a law was adopted to create a state information system of biometrics, which is called a unified biometric system, this is not 115, not a law on protection, this is not 115, there are several laws, 115 in including changes were made, yes, but once again, a unified biometric system, in order to explain in simple language, yes, this voluntarily, this is the key thing, which is also extremely important for us, let me say it again for everyone. at your request , the opportunity to submit biometrics to this system , that is, yours, well, let's simplify the photograph

, a photograph, roughly speaking, a photograph. the voice enters there, the voice enters there, and that is , photographs of the voice in those branches of the bank who provide this service, you need to look at this on the banks’ website, they directly give specific addresses where you can go, do this, for what? so that if you then want to use, for example, your biometrics, then there is your example, you can use this when making payments in the store, that is, even now you sometimes see that there is a terminal like pay there with your face or pay with a smile yes. here, but the point is that when we talk about a unified biometric system, then all participants, well, all banks will be able to provide such a service to their clients, not just one or two participants, all banks, again, if the client wants, that is you have submitted your biometrics once, your photo to the system, a unified biometric system, then further, if you sign up yourself, this is the second, second check for you, do you want to use your biometrics when paying, do you want to use, for example, when passing to

the business lounge at the airport, do you want to use, for example, when passing to russian railways, that is, there will be many services, not only financial, but also non-financial, that can be done precisely based on your biometrics that you submitted early, but they use this biometrics when they identify you, when you go somewhere, exclusively, you said it correctly, this is already encoded information, that is, it is not your photograph that is used, it lies and is stored securely. we will now separately emphasize all the security requirements in a single entity, but directly what this or that organization works with, yes, for example, a bank or there, for example, in the subsequent russian railways, and so on, this is encoded information, that is, it is not a direct photograph in no case, but the so -called hashed information there, which is used by this or that organization, when you said, you are submitting biometrics, to whom am i submitting it, who is the owner of this database, the central bank,

banks, russian railways, who? now they are watching or listening, yes, yeah, well now, that means the scammers called me, it’s clear, now they listened to my voice, and also added from social networks, since they know everything there, including nn news and so on, they found my photo on social networks , we compared it, now, based on my biometrics, they will not only collect credits, but also empty the account there, there is no such thing, why not, because organizations that can work with your encoded information, that is, point one, encoded information, paragraph

second, an organization that. must undergo accreditation of their systems, which operate with already encoded information, only after accreditation, it is very difficult there, a huge number of security parameters are checked, they will be able to work with this, that is, there are a lot of layered security systems in different areas, which, well, does this the system, let’s say, is maximally protected, let’s say i’m with someone...

about what olga said, this is encoded information, that is, it’s not just a photograph, voice sample, they are in a certain way, well , consider encrypted, modified into some completely assembled code, a number, yes, which still needs to be obtained in this way, but even if suddenly, although this is unlikely for now, it turns out to encrypt your biometrics in this way , then this system won’t take it from anyone, that is, it takes it from certain people.

in a real pilot, and this, well, it seems to us, this is an amount that, plus or minus, is very comfortable for consumers, this is another protection, that is, there is a limit on top, yes, it is worth it the limit is on top when i, well, naturally. i communicate with everyone there, including in normal life, they also ask me questions about biometrics and security and so on, i probably hear nine out of ten more reviews about how quickly you can launch it, i would like to try it, well, because in principle, of course paying by face is very convenient, of course, you're standing in line, i'm just giving examples, coffee, sandwich, your hands are full, you have to go somewhere to get a card, the phone is again, judging by the size of the phone, it's two hands , here you can smile, pay for coffee, but at the same time the risk is worth it. really, all small purchases, well, it’s hard for me to imagine going to a grocery store there, usually it’s several thousand rubles, but if you don’t buy for a month at once, yes, then, in principle, when you go, there’s, say, always this digging , especially in winter

, they took someone’s phone in a bag, but all this is inconvenient, as we know, there are also fingerprints there that need to be changed to winter ones, and the skin changes, i always joke, there are winter fingerprints and summer ones, because the structure is changing yes. in fact, what you say is convenience, the average bill seems to us to fit perfectly into this amount, that is, this is such a common story, this is the easy money podcast, i am its host mikhail khanov, today we are talking about national payment systems, new payment instruments, new technologies that make it possible to provide all this, our guest is the first deputy chairman of the bank of russia olga nikolaevna skorobogatova, well, let's... sweet talk about the so-called state cryptocurrency, digital ruble, let me remind you that we have already had several issues on this topic, roughly speaking, this is a cryptocurrency, in fact , its issuer is simply the state, is that

right? we, of course, do not think that this is a cryptocurrency, because for us, a cryptocurrency is just a private currency in digital form, like bitcoin, ethereum and so on, we believe that the law says so and... for us, of course, it is our national currency, but in digital form, probably, before you say, give an explanation about some advantages including answering about fears, i remember very well when we initiated this project, started discussing it, when it was, it was, well, about 2 years ago, not so long ago, in fact, in principle, how you say, at that moment everything was already fine, map of the world, sbp,

in cash, to society in non-cash ones, now we have roughly somewhere around 83%, and we predict growth for the next 2-3 years, that is, i i think that in 5 years, at this rate, we will definitely reach the figure of 93-95 percent of payments in non-cash form, well, here you are you know, i’m judging by myself, excuse me for interrupting, i’ve been trying to remember the last time i had cash in my wallet. olga, i couldn’t, i really couldn’t, that is, it’s been more than a year, i have an empty wallet, cards and phone, that’s all, if we interview everyone, i think that 90% will answer the same thing, i’m in the same condition myself , the service didn’t work here, when i needed

to pay in a restaurant, tips, tips, and i was really surprised because i didn’t have cash, exactly the same story, in fact, this means that, of course, 10 years. on the one hand, a long period of time, on the other hand, for behavioral characteristics and in general for you and me it is a short period of time, but i must say that the uniqueness of our citizens lies in the fact that business is that we are very adaptive and in general we are in fact very loyal to innovation and to new technologies, we quickly accept them and begin to use them, because, for example, if you look at some european countries or look at the same japan, there at the mentality level people cannot move on to this the border of life. we realized that people really don’t have any cash left in their wallets, after all, this is the property of cash, when you pay at any time and don’t

even think about it, no matter what your tariff is, big or small or zero, when, which bank, that ’s it the property of cash, which in non-cash, any forms, in one form or another, yes, it still exists. it is absent, let’s say, mildly, yes, we just understood, in fact, other regulators came to the same thing, we came to this at different times, maybe i i mean from country to country, someone else is moving towards this, but in principle the main point... is to leave the person to retain this opportunity to choose, yes, you no longer have cash in your paper wallet, yes you can say , but you will have digital cash , i understand, excuse me for interrupting, that the digital ruble is an alternative, it’s not just another non-cash ruble, but it’s an alternative to cash due to the absence of restrictions that apply to our non-cash money in a particular bank, it’s combination, mikhail, i i would say that this is a combination, this is a property of cash, exactly as you said... plus, if we talk about how payments are made, then

of course, they are closer to electronic money, that is, here is the second property of non-cash, i said the original idea was born, it was going on, and we certainly want you, mikhail, i, honestly, when you are somewhere, so that you can, well, do you want to pay some kind of bank, well, pay, you want to pay for zero and not think at all what your balance limit is. something else paid from your digital wallet in digital rubles, you know what objections from ordinary people, and now this is zero, good, and then, who is it all for the central bank, and then the central bank will introduce a commission, we are all already used to using this, then everyone will introduce a commission we will be forced to pay, this is the first remark, the second remark, this is where i started, here, i think that you should experience much more pressure from banks, commercial ones, who say, well, in general... well, okay qr code - this hasn’t gone anywhere yet, but here with digital

ruble, guys, you absolutely climb into our clearing and become a full-fledged player who also makes payments, and without covering it up with any technologies, and a universal qr code or sbp, you directly declare that you are imitating, well, the state imitates a currency, you have it on your platform, and this is exactly how it works, yes, you store it, hold it, carry out transactions, yes, great for... objectively and cannot issue a national digital currency, because only a regulator can issue it, yes and objectively, even if such an option was considered there, to impose costs on the entire country from the entire infrastructure, well, i’m here...

you can say anything in words, yes, but the best argument is to look at what actually happened, happens, but we never we haven’t increased tariffs even for our services for participants; as a rule, we lower them over time. well, because we understand that, in fact, yes, we incur some costs, of course, there are some small commissions that we take or took from participants in the financial market, they are precisely needed so that on a long horizon, not on a short one, this is important, on a long horizon, we still cover our costs, but at the same time, as soon as we understand that we have the opportunity to reduce, we just reduce , and in general the whole philosophy is sbp up to 100 thousand and the digital ruble now. it is precisely based on the fact that once again, for us

now payments, as you rightly said, are no longer something that i want to use, i want to not use, it’s real, just like you and i drink coffee in the morning or tea, yes , well, that is this so natural, it has become a natural habit of life, it should be free for a person, this is our deep conviction, yes , we have tariffs for businesses when they accept non-cash payments, here, as i said, why is it important to have a different line without... the bank will then somehow increase the tariff or,

on the contrary, change them. a much more unpredictable story is the opposite with commercial players, because the commercial player is directly interested in ensuring that tariffs are, preferably high, so that in fact the maximum profit is at end of the year. therefore, it is precisely the role of regulators here, and we, as i said, are not alone here, the same european union, when it published its report on the digital euro, other regulators, they all emphasize that it is for the person.

the question is the following: does anyone have the illusion that there is no control at all during non-cash payments? yes, this is it, this is my answer, i know it, i mean yes, i just know, i just know how accurate the central bank is and what kind, i won’t upset everyone now, i just know what amounts, as a person who has worked in the banking industry for decades, i i just know what amounts the central bank can control, yes, because it can and controls - these are different things, you and i understand, yes, it’s the same thing, like - we all believe that telephone conversations are recorded there, operators store all these data, it’s one thing to record, another thing to use, the same thing here, yes, so - look, in fact, everything that is stored in one form or another in electronic form or passes in electronic form certainly leaves its trace, and it seems to me

that any person who, as it were, just will ask himself a question, and he will answer it himself, as soon as you enter the electronic space, this applies not only to payments, to anyone, for example, telecom, but with regard to the digital ruble we have always answered, i will repeat our answer again, it is us does not change and should not change, because well , we really think so, these are the same procedures that work for us with non-cash payments, and similar procedures should work with the digital ruble, because once again it’s logic, if we proceed from the topic. combined properties, the property of electronic payment, which the digital ruble will have, is what the digital ruble has, in this regard it is similar to non-cash payments, so the methods, principles and approaches will be the same, with the digital ruble we have not what we have saved , and this was also our completely conscious decision that

a person can open a wallet in a digital ruble and make payments in a digital ruble through any mobile application of the bank where he has an account. that is, we preserve both the bank and the person the habit of working with each other friend, well, because it has already been formed, that is, you are not acting as a retail agent, we are in no way acting as a retail agent, once again, this is not our mission, and we do not see ourselves here and do not want to, your platform is our platform our service, which allows you to make payments in digital rubles for free, from a business point of view , we have provided a commission there, by the way we have already approved a generally minimal one, by the way, what the business asked us about, well, for the last 15 years for sure. well, that is, it’s literally real for business, mana from heaven, so if you look in fact, then again, you, like mikhail, for example, go to bank x, you have accounts, loans, cards and so on there, you say, but i also want

to open a digital wallet in digital rubles on the platform of the bank of russia, your bank through a mobile application the same thing with which you have already grown together and you... love, you like it, finds, you find an option in this mobile application of bank x, open a wallet in digital rubles, transfer money from your non-cash account to your digital wallet, and there, that's how much money you have for digital wallet in digital rubles, this is exclusively your diocese, that is, we will set a limit of 300,000 per month from a non-cash account, well, just so that banks can actually manage liquidity, and we can make forecasts.

therefore, we just believe, you very correctly said, that banks will begin to compete more, we expect deposit rates to be more interesting, and products and services like...

operations, they have gone through this journey with us so far on a very small number of clients and a small number of operations, why we needed to debug all the nuances, this is

extremely important, we are now convinced that everything works functionally for us, exactly the way we want, and from the client’s point of view it is fast, and this is very important, then yes, we compare ourselves naturally in terms of response and how quickly you will complete the payment with the best systems, which should work there for a few seconds, no more, preferably generally 1-2 seconds, so we are also here in... but we are not going anywhere we're late, so i think twenty-sixth year is already such a full-scale story, banks

are connecting in groups, and we also built this work absolutely consciously, here is the second group, we already have 20 banks, they are now passing all the technical tests with the platform, and i think that they will connect by the end of the year, then there will be a third group, and the twenty-sixth year, i believe that most banks will already be able to give universal esc to clients? code: this year, we’ll live right now, this year, this year, great, thank you, olga, this was the easy money podcast, me and its host mikhail khanov, today we dealt with national payment systems, with means of payment, with new technologies behind which is the central bank of the russian federation. you can find all episodes of the "easy money" podcast on the channel one website.

hello, dear viewers, as always, you are watching the triggers podcast, with you is its leading psychologist, tatyana krasnovskaya, psychologist and psychotherapist sergei nasebyan, our guest nicole, hello, good evening, please tell us what you came to us with? you know, i have such a problem, i’ve probably had it since adolescence, from the age of 12, during adolescence , i developed a disease called anorexia, later doctors diagnosed me with this, anorexia nervosa, and the disease either manifests itself or disappears, that is, it does not depend on any or events taking place in my life, that is, suddenly it’s gone and... suddenly it resumes again, it doesn’t have any periodicity so that it can be tracked, and i learned

to cope with it as best i could, learned to live, but now my question is, why is this in my head? an image has formed that i try to fit all the time, that is, it is a certain weight, a certain look, in a different image, when i gain weight, or when i try, yes, if you can call it that, to live like... like ordinary people, with nutrition more or less acceptable, why don’t i like this image, why the way i look is so important that it affects my whole life, that is, and at normal weight i don’t want to be a normal person, to exist, to act , to achieve something, only being in such a small place, uh-huh, the person for whom i strive, i do something... well, i do, i have more strength, more energy, more aspirations, desires,

help, if possible, how do you achieve this? low weight, this means physical exercise, and this dietary restriction is quite strict. have you always played sports? sports, yes. and to what extent dietary restrictions depend on what stage you are in, and if you eat normally, well, as far as i understand, yes, it’s normal, but i eat once or twice a day, well, usually these are some kind of salads . some kind, i don't know, there meat, vegetables, everything is steamed, of course, nothing harmful, nothing fatty, but when this next peak happens, and i leave, and once every 3 days, once every 5 days, it happens that once every 10 days, you don't want to eat or you just don't eat, i don't eat on purpose, that is , you feel hungry, but you try not to eat,

yeah, yeah, these days, how are you feeling? you know, after about three, well, after the third day i no longer feel hungry and i just don’t even think about whether there was food today or not, i can drink coffee, but it would be preferable that it be at some point vegetable milk, maybe one energy drink a day, and then it’s with ice, something like that, that’s where all my food ends, how old are you, 37, 37, are you married, no, were you in a relationship? you are now in a relationship, and i have been in relationships many times, at the moment i have a very good friend who supports me, well, friend , friend, yeah, who generally surrounds you, my mother, but we live separately, here is my comrade, comrade, okay, let's do this, the last time

i had, well, if you call it an attack anorexia, then now he is coming. how long has it been going on now? since july of this year, that is, since july of this year you have been in crisis on the elexical, right? yeah, now you are 37, how much do you weigh now, how tall are you, how can i understand? my height is meter 75, at the moment i keep my weight at 50 kg, 50. have you had weight fluctuations, how significant? when i started, in july in july i weighed about seventy, yeah, seventy, yes, i have a lot of muscle mass, due to this it’s even difficult to say that i weigh 70, but at the same time, well, that is, i look like 60, due to muscles i i weigh more, yeah, now i’m trying to keep 50, there are deviations, but i try to negotiate, the lowest weight

you had, the lowest weight for all periods was... 43 kg, yeah, and if you’re in such good in general, you feel pretty good at seventy, that’s right, well, at seventy i don’t like myself very much, okay, what’s your weight, when are you happy with yourself, now, it seems to me, just now, yes, so what, you tell me i like you too, but where’s the problem? the problem is that people close to me are very worried about me. they are afraid that i might to go further, although i know, as it were, but, well , a line that cannot be crossed, if you imagine that they are sitting there now in the back, as in such programs with the audience, who is sitting there and worries about you, my mother and well, those closest to you relatives, perhaps, well , who is this aunt, uncle, who is this aunt, uncle, my

nephews, yeah, they’re all gathered back there and worried about you, yeah, yeah. okay, let’s clap for them, let them worry, is your friend worried about you? well, he worries in his own way, of course, but he worries even more that my mother puts a lot of pressure on me. and here we just come to the causes of anorexia. okay, let's leave this situation for a bit now. in july you weighed 70, it turns out, in these six, how many there are, july, august, september, october, november, you lost 20 kg, lost 20 kg, and you, well , for some time already weighed 50, for what how long have you lost 20 kg? i think it was about three months, three months, how did you feel during these months, losing weight so quickly, well, not to say that i felt somehow uneasy, but i don’t see any problems for you yet,

and so it turns out that you were losing weight, losing weight, losing weight? you lost weight with the help of sports and nutrition, yes, yeah, good, but there are some health problems, that’s why we are now, i just want to start worrying about you, i can’t do it yet, no, at the moment with my health no problem, well, the only thing is that i feel the cold very strongly, it takes me a long time to get used to the water in the pool, but this is not such a problem, that is, if it were not for the concern of that audience, which seems to be behind you, then in general everything okay, everything is fine, you have enough strength, you are doing well you feel that you have no health problems, you look great, and your self-esteem has become higher, so good, great good, and... could you tell us about the history of how it was formed, anorexia? i can’t complain directly about my childhood, i don’t want to, but my childhood was not easy, yeah, when

i was 5-6 years old, my father died very suddenly, he died of leukemia, yeah, and my mother found herself in a difficult situation at that time and accepted. that she needs to receive additional education, improve her qualifications, and what’s wrong with me, and with me it will probably be quite difficult for her in this regime, she gave me to her mother, that is , my grandparents, and somewhere before the first year of university i lived with them completely, my mother came periodically, these were often weekends, she spent with me for a while, but... but the relationship was quite complicated, because we couldn’t spend time together for a long time, and because my mother had a lot of her own problems, every time she came, then

at first it was such a scandal serious, i didn’t always understand what the reason was, i did something wrong, that is , you know that feeling of a holiday every friday, but at the same time you move away from the door because it’s scary, first you have to survive what’s going to happen, here and my mother often spent time with her friends, that is, i felt that i was missing her, at school i didn’t have such a large number of friends, it’s not that i kind of suffered from this, i just lived, and well, i not a particularly talkative person, that is, i was comfortable in this, but i understood that it’s somehow very, very hard for me somewhere inside, i... uh, i started smoking early, and you know, when i smoked, i always, well, that is, i didn’t smoke because it was fashionable then or anything -well, i liked that i inhaled, it seemed like such a bitter smoke, yes, and when i exhaled,

it became easier for me, that is, i often stood on the balcony and exhaled, and it seemed to me that i was exhaling everything that it ’s holding me inside, yeah, although i really wanted to live with my mother, but every time she told me that this was not yet possible. hello, the news is live in the studio sergey tugushev, at the beginning of the issue, briefly about the main thing. several settlements in buryatia and the trans-baikal territory are at risk. trying to cope with floods that have caused transport problems, residents are evacuated by rescuers. reaction.