this is the easy money podcast, our guest is maxim marlovsky, host, one of the best experts investmentssia, and today we are discussing the results of the twenty-third year, plans for the twenty-fourth year, let's go back to where we started, to bonds, now bonds for the twenty-fourth year, state, i'm talking about ofzs, about federal loan bonds, this an interesting investment tool? not yet, why? markets don't yet fully understand how long long-term rates, uh, high rates are now. let me remind you that now we have 16%, but rumors are already leaking that in 2024, we predict, or rather, leading analysts predict a decline, the boldest predict a decline. up to 12%. let's see, let's see what happened in the twenty-third year, we start the year with a rate of 7.5% and end with 16 rates. the average bond yield here will be somewhere from 5 years and beyond 10.5 in february it was already 11 at the same rate of 7.5, then it falls to 11 there with a plus, now it is trading at 11, 50, 11.70, the difference is small. okay, let's just say for our audience, if we buy bonds, well, i don’t know, shor