who was majid sami stad and who was it? he added , but a few years ago , it was caused by inflation, it was because we created liquidity, internal factors, and let's laugh. this year, the 1401 budget contract 1400 banks caused overdrafts, created liquidity , unfortunately, we had high inflation, which is known by the central bank and statistics center of iran, up to 40%. we could definitely reach despite below 30% inflation, if the indiscipline of the banks, we distance ourselves from the issue of the budget now for retouching, but for the indiscipline of the bank, it is thought to exist. it's very strange that some countries don't do this for example, it is possible to move in the direction that we can prevent the banks, whether public or private, that are bankrupt or have serious disciplinary issues, and in fact, these banks are not new games , even if it is by closing down and declaring bankruptcy at the moment. there are several solutions that are suitable for this discipline, not to close it down, but the main solution