frankly, he still says he didn't lose the election, he lost the 2020 election . i'm focused on the future. kamala harris, she also banned americans from expressing their opinions on the covid pandemic situation in 2020. that's not an answer to the question. commentators have already called these 90 minutes on air a model debate, without insults almost to the point, and viewers appreciated the ending, when vance shook waltz's hand in the company of his young wife who joined him, which of the two vice presidential candidates symbolizes america more future, it is up to the voter to decide, but a poll of viewers showed that the rating of tim wahls, who is jokingly called the american dad, immediately after the debates fell by almost 10%. it is too early to say how these last debates of the campaign will affect the outcome of the vote itself, 34 days before the election. republican vance looked. what can be said for sure is that

these debates were much better than the presidential ones, and if walts remained a shadow of kamala harris, then republican vance made another confident bid for the next election cycle, and donald trump the results of these debates in his partner was clearly not disappointed. dmitry melnikov and pavel kostrikov, news from washington. i am not lucky in life, not a soldier, he is a mummer, impudent, just like me, i have a bad feeling, the pikhodey deprived my mother of her will in the fires burned, she is not simple, magical, again i had to waste the clay, fairy tales are all, i need soldiers in the palace, like lighters.

a spark in the heart, but also lights in the eyes, whoever is scared is defeated, you can't do without a tinderbox here, well, soldier, let's fly to everything money, i asked you, don't touch anything, i know, someday, try to see from the inside, flint, the back has given in, miracles, you've won. you 'll see soon.

and now it's time for economic news, one and a half trillion rubles of additional budget expenditures this year will be covered without using the national welfare fund and government

loans, for this they will use the accumulated balances of the federal treasury - said deputy finance minister vladimir kolychev. according to him, from next year the budget will return to structural balance, its contribution to the formation of inflation will be neutral, this sooner or later, will lead to a decrease in rates in the economy. sales of lada in september immediately increased by 14.5%. avtovaz sold 41,500 cars, the concern reports. the most popular model among russians. as avtovaz president maxim sokolov previously stated, this year it plans to sell more than 450 thousand cars. severgroup of alexey mardashov bought one of the leading tire manufacturers in russia - cardiant. the company received the rights to the brands tarrepa, gislovvet, tyrex and others. the deal was approved by antimonopoly authorities, its amount is not is revealed. earlier, the division. groups

acquired almost 20% of the auto parts trading platform autostells and the french budget deficit under emmanuel macron reached its maximum since the formation of the eu. renovosti writes about this: under the last president , the deficit to gdp ratio was 5.3%. the agency points out that macron had one of the most difficult periods, covid 2020. by the end of this year, the french ministry of finance expects a deficit of almost 6%. according to data for july, budget expenditures exceeded revenues by 157 billion euros. this was economic news. briefly. a new procedure came into effect this year. it concerns contracts concluded after july 1. maria kudryavtseva will tell you more about this and other changes in the lending sector in the program instructions. in the summer of 2024, a new procedure for repaying loans came into effect, restrictions on car loans came into force,

the bank's actions in the event that a mortgage client refuses insurance, and the deadlines for responding to citizens' requests changed. we will tell you about everything in 5 minutes in this issue of the instructions. and we will start with the new procedure repayment, let's say right away, it applies only to loans issued after july 1 , 2024. in case of delay , the debt on interest on the principal debt will be repaid first, then interest for the current payment period, then the principal debt for the current payment period, and penalties are allowed to be repaid last. very often, for example, the borrower pays off the delay there ...

with a load higher than 50%, that is, these are people who already give more than half of their monthly income to servicing other loans. by in essence, the central bank sets the maximum amount of loans that can be issued to such clients; before july 1, it was 25% of the loan portfolio, and after that date it was reduced to 20%. that is, the chances of getting a loan from a bank for a new car for indebted citizens are rapidly falling. let's deal with insurance when concluding a mortgage agreement; here, changes also came into force in july 2024; banks can no longer raise the rate if the client refuses it, but they can lower it if the client agrees to insurance. if earlier, for example, a bank issued

a loan, let's say, at 10% per annum, said the following, if you do not get insurance, then you will have a loan, for example, at 12-15% gdv. now they did the opposite, they did the following, that the bank. says that look, i give you a loan at 10% per annum, but if you get insurance, i have the right to lower this rate, for example, to eight. and one more innovation summer 2024. since july, financial institutions are obliged to respond to citizens' requests within 15 working days. in particularly difficult cases, the period is increased to 25 days. the rules apply to everyone, from banks and microfinance organizations to brokers and non-state pension funds. when this credit institution gives an answer to its client, a copy of the answer is sent, among other things, to the central bank, if the central bank has not received a copy of such an answer within the specified period, it understands that the credit institution has not responded, and the central bank independently prepares an answer

to this applicant, and then responds independently, you can send a claim by regular mail, you can leave it in person at any branch of a financial company, you can use the internet, email or an application, firstly, when you contact a credit institution, indicate the relevant details, attributes, by which the bank will understand the essence of the problem, accordingly identify the client will understand what issue you are initially coming for, the second point, if you contact using , for example, a personal account there and applications and so on, as a rule, this is the answer that comes there, respectively, within the personal, if you specify: for example, by mail, a-a, in writing, then the return address must be specified. so, let's remember several important changes from last summer. penalties and fines on loans are now paid off last. borrowers who give more than half of their income to servicing other debts will have a hard time getting

a car loan. if a client refuses insurance when taking out a mortgage, the bank cannot raise the rate, but can lower it if the client agrees to insurance. and to answer on... citizens' appeals to financial companies are now required to be submitted within 15-25 working days. if you have any questions, want to improve your financial literacy, subscribe to our telegram channel, ask. and we will talk to experts, we will definitely tell you about this in one of the next issues of the instructions. a loud scandal is flaring up in the world of programming, the company ebi, once created in russia, then left the country, fired hundreds of employees in one day, precisely because they have russian passports. the situation is aggravated by the fact that people, who worked in eastern europe and cyprus, lost their residence permits. anna voronina with details. they were fired not of their own accord. the scandal with the mass dismissal of russian employees from the software development company

ebi flared up thanks to posts on social networks. today, my former company fired all the russians from the cyprus office. according to my information, the ebi company fired dozens, and they write about hundreds of employees in hungary, serbia and cyprus, simply because they had russian passports. the mass dismissals were organized during a general call with top management, the list of participants included only russian employees. access to microphones and... you were all great, but we need to move on, thank you all, you are all free, your credentials have been blocked, we will send you the final agreement to your personal emails, in a completely brutal and uncharacteristic manner for ebi, no reasonable explanation was provided, i don't even want to retell that nonsense, in total , employees report the dismissal of up to 300 russians from offices in eastern europe, the company itself. founded in moscow in 1989 2 years ago decided to leave russia. now its

founder david yang does not mention his russian past, and the russian language has disappeared from the ebi website. in 2022, employees were offered to move to belgrade, budapest, cyprus, and their residence permits were tied to their work in ebbia. now they are left without work without legal grounds to live in europe. analysts believe that ebi could not do without pressure from new customers. if it begins to serve not only some corporate companies there, yes, but also state-owned companies and so on, the public sector, then perhaps it was some kind of condition, well, in general, yes, again, it all comes down to the information security policy, including in the territory of eastern europe. the mass layoffs in the company were explained by the modernization of the business and the reorganization of key operational functions, while former employees complained that they were repeatedly threatened to be replaced by developers from india and pakistan, whose work would cost ebi much less. analysts do not rule out that the company could really go down the path reducing labor costs. in 2 years

, having lost the russian market, they de facto lost the main money in terms of income. the process of replacing expensive developers with inexpensive ones is in full swing all over the world. the percentage of indians in these positions, who program, it is today. industry has grown sharply, this is cheap labor, not very high-quality, but cheap, the speed of code development is increasing, three programmers are better than one most brilliant one, and so on, well, that is, brute force wins, about how this will affect as a final product, it seems they do not think about it, but ebi, according to experts , has maintained a leading position in the market of text recognition technologies and automated data analysis for many years, and to win in court against such...

they said. anna voronina, anna pogonina, ekaterina shamaeva, nadezhda nefedova, news. who is always in a hurry to help. aim for pain, knee pain, back pain, neck pain anyway, your shoulder may fail. we'll call you soon, pentalgin, extragel. pentalgin extragel. against muscle and joint pain. main football club tournament now in okka.

watch the champions league only in vokko. today lille, real all other matches of the day. so many people love hockey, good sticks today are few. so i decided to make my own. in quality, no worse than imported ones. and to keep up with demand, i act on movement. i take a loan from t-bank, quickly. and simply: find out the loan amount for business from 2 minutes without collecting documents. tebank business and business is done. all methods are good, when i wanted to be the first to try the new big special dimiglas with a big juicy pifsteak, a sauce in domeglaz based on a fragrant broth from beef bone and the famous sauce with smoke. and what are you ready for? radibix special demiglas, order in the car. yota can, the internet

without minutes, easy, gigs remain, we will return the money, try everything for 399 rubles. small. for 349 rubles. сberamobile. you never dreamed of how many thousands of professionals create the best products and technologies for protecting your funds so that you can use them anywhere in the country. tebank. he is the only one. i want a muffin for

breakfast. and i want a pancake. so, we still have time sleep. muffin with egg and juicy cutlet. potato pancake and freshly brewed coffee. your hot breakfast will be prepared quickly so that you can be everywhere and have time to try a muffin for 135 rubles. avita mall is a new section of avita, where all sellers are real pros with a high rating. products from trusted sellers with delivery. avita mall. sberbank has increased deposit rates. now the deposit is the best percentage with a record rate of up to 20% per annum. transfer money to sberbank by phone number without commissions. open a deposit in the application. deposit is the best percentage. the most profitable. a fire occurred today in the musical comedy theater in yekaterinburg, the publication is evacuating actors and staff. several fire brigades are on site. all the latest information from our

correspondent kiril bortnikov. he is the connection. kirill, hello, what is the current situation? have you managed to localize the fire? vera, hello, yes, indeed, we are now at the muscomedia theater, despite the fact that the fire was localized almost an hour ago, but emergency services continue to work, as well as the state traffic inspectorate temporarily restricted traffic on the streets near the theater, according to the latest information , one person died in this terrible fire, according to telegram channels, the deceased man tried to save people blocked on the floor, among them were probably children studying in the theater. the russian emergencies ministry reported that things were burning in the fourth floor of the musical comedy theater, but smoke plumes were visible from different areas of yekaterinburg. the area of ​​the fire was 15 m2. now rescuers are conducting reconnaissance of the premises. about 40 specialists and 12 units of equipment. it all happened today in the afternoon, literally, almost 2 hours ago,

according to eyewitnesses, the fire began to spread from the loudspeaker rooms. in order to escape, the employees climbed onto the roof, from where they were evacuated by firefighters, this is what one woman said, who was evacuated from the roof using a fire escape, she has the floor, they climbed out of the window, from the corridor, and where the fire started, they say in the loudspeaker room near the choir, yeah, and you climbed straight in, there is no other way out, no, we tried, but we couldn't, there is already there was smoke and it was impossible to breathe. in total, more than 100 people were evacuated from the theater building, an ambulance is still on duty here , people inside the theater could have inhaled smoke and they may need help from specialists. the prosecutor's office is also working on the scene, i propose giving the floor to the prosecutor of the kirovsky district, maxim borzintsov. the prosecutor's office of the kirovsky district,

the city of yekaterinburg, has organized a supervisory event on the fact. compliance by the institution's management with the requirements of federal legislation, including legislation on fire safety. yes, indeed, the prosecutor's office. will check what caused the fire in the theater building, whether fire safety regulations were observed there, the cause of the fire will be known based on the results of the fire-technical examination, but that's all

the information at this minute. vera. thank you, from yekaterinburg. our correspondent, kirill bortnikov, was on the line. he told about the fire in the moskomedia theater. in kamchatka, the operation to rescue a group of killer whales was successfully completed. the mammals stuck on shallow waters in the estuary in the khotsk sea, finally with the offensive. they are accompanied by specialists on a boat. this morning, dozens of people came to the aid of the precipitation, employees of the ministry of emergency situations, volunteer firefighters spent long hours pouring water on the animals so that they did not die. it was not possible to use equipment for rescue because of the silt bottom. it's already evening, here today we are running out. here my water has already risen and ion.

the work will take several weeks, during this time the power engineers will carefully check the condition of all units and parts and conduct tests. all details in our next material. a safety belt and safety slings are an integral part of the equipment, because for the comprehensive maintenance of the electrical giant, workers will have to climb to the height of a two-story house. well, for the repair of the transformer, we have provided for replacement, replacement of inputs, here are the inputs, there will be a replacement of inputs. the machine of the active active part turns out to be removal will be removal of the pins will be removal of the bell and inspection of the internal internal working part of the surface of the transformer. according to the electrician

nikita moshchevitin, the most difficult stage of repair work is the upper platform of the transformer. replacement of inputs with an electric potential of 220 kv should ensure safe operation of the device when connected to the network. the last fifth transformer of the energy heart of the magadan region, captain. is being repaired for the first time in 10 years. such terms are due to the recommendations of the manufacturer. later, the work team will begin starting-voltage tests to identify possible defects. in addition, the tests will allow checking the insulation transformer, as well as readiness for work. the cooling system is awaiting replacement checks. uninterrupted operation under any weather conditions is the main argument for major repairs. during the major repairs, we plan to replace the safety valves, gas relay, check valve, and other auxiliary equipment of this transformer. at the moment, all work is proceeding as usual, that is , we have no deadlines. the power transformer

converts ac voltage from one value to another with the same purity and, accordingly, without changing the power. from here, the electricity goes to a closed distribution device, and then to the power grid of the magadan region. repair work is planned to be completed by october 31. yuri dortgold. rustam akhmetov, vesti magadan. an american researcher has discovered an eternal printer cartridge. what is this about, colleagues will tell you in the vestinet program. probably the most discussed topic from near-technological, at least in the russian-speaking segments of social networks, the company abi fired all employees with russian passports from three development centers in cyprus, hungary and serbia. at the same time, abi itself is one of the largest suppliers of solutions for processing. documents and text recognition based on artificial intelligence of russian origin. it was founded by mipt graduate david yang. he founded it back in 1989, when he was a fourth-year student.

his partner was an employee of the institute of problems of microelectronics technologies of the russian academy of sciences, alexander moskalov. this startup eventually grew into one of the leading technological companies in russia with offices around the world. in 2022, the company transferred its russian business to a separate structure and left the country, offering some of its employees. offices to move to development centers in other countries, and now a significant portion of these specialists have suddenly been fired. however, there are few details. according to information from social networks, where former employees share their emotions, the dismissal did not affect the office in the united states, cyprus, hungary and serbia , everyone was fired in one day during a video conference meeting. according to some reports, they fired holders of russian passports for other citizens of other countries were also dismissed. according to one of the former employees, they were given some time to find a job, saved time, promised severance pay, and were not told the reason for their dismissal. accordingly, there were a lot of versions of

replacing everyone with more. happening, gloating and a request to share the contact of those dismissed with an attached list of specializations in which companies, including cypriot and serbian ones, lack qualified personnel. one fire with global consequences, apple is forced to revise production plans, almost all supply chains related to the manufacture of iphones after one of the factories of the cupertino company's partner in india burned down, and this was not the factory where

the smartphones are actually assembled. it was the production of some components, but the enterprise was destroyed, and this primarily threatens the plan for sales of iphones in india itself. the company, as the analytical agency counterpoint research assures, should have paid for this holiday season, that is, from october to november to sell 1.5 million iphones of the fourteenth and fifteenth generations on this market, but there are simply no components for at least 200,000 of them now. in addition, apple smartphones are supplied from india to the netherlands and... from the usa. the second point is that apple has big plans to diversify production and transfer part of its capacities from china, namely to india. now, according to counterpoint analysts, the company will have to, on the contrary, introduce additional assembly lines in china in order to maintain global volumes deliveries. on the other hand, this is not the first such story. last year, fires already occurred at the factories of two apple contractors in india. ironically

, the cupertino company accelerated the implementation of its plans to partially move to india after two years ago, when mass strikes began at a huge assembly plant in china, workers were unhappy with low wages and the inability to leave the factory walls due to covid quarantines. and an amazing story from the world of hackers, those who hack not programs, but devices. toms hardwear has published a video from a researcher who got his hands on a high-tech hacked cartridge from a hulit packard printer. the point is that inexpensive inkjet printers are often sold for less than cost price, and companies make money on consumables, so that cartridges are not refilled, they are equipped with a chip that, firstly, confirms the authenticity of the cartridge, whether it is an original device or manufactured under license, and secondly, monitors the number of pages that are printed from it. with the help of printed, so even if there is still ink, the printer will stop using the old cartridge after a certain time, so what in the video someone opened, refilled, sealed back

supplied... the thinnest film with contacts and a separate chip that intercepts the printer's access to the cartridge chip. it allows you to see that this is the original real cartridge, but replaces the history of its use, turning it conditionally into an eternal one. who was able to create this, remained a mystery, as well as why all this, when there is easier and cheaper ways to bypass protection. we look to learn about the world, educator.

now to the situation in the middle east israel announced the un secretary general persona nonggrath banned him from entering the country. about this. stated in the ministry of foreign affairs of the jewish state. earlier in tel aviv they reported that they will not leave the iranian retaliatory strike unanswered. the authorities noted that the attack on civilians tehran crossed the red line. the islamic republic, in turn, assured that it is ready for any military actions by israel and its allies. the latest details on the situation in the region from denis davyda. sergey pashkov.