vitaly leontyevich, good afternoon , the plenary session has just ended , you talked about how the housingnd... the situation, demand will be somewhat reduced, i think that housing prices on the secondary market, at least, they can go down on the primary market, i think prices will stabilize and price growth will be limited, a very important issue that is currently being discussed is commissions for developers when issuing mortgages with state support, the central bank has already commented on this situation, what solution do you see now? from the point of view of your attention, well, in general, the government has indeed introduced some changes to preferential mortgage programs since the 23rd, we have lowered and increased the down payment to 30%, bank commissions have been reduced from 2% to one and a half percent, and many banks that very little liquidity or having to borrow from the market, they essentially got the job with a mortgage or at break-even. who will introduce limits and stop issuing mortgages, then we can, therefore, revoke these limits from them and redistribute them to t