germanskarovich, after all, is it possible for investors to expect that this trend, where it is not so long, these increased rates on terms, that it will somehow be extended in the near future, or is it extremely difficult to predict now, it will depend on what... what we have with inflation, everyone wants a normal human desire, to have low rates on loans, high rates on deposits, it’s clear, but unfortunately, this is impossible, if we see stabilization of inflation and a fall in central bank rates, central bank rates, then of course, rates attractions will also decrease, and interest rates are of course a headache, probably now for... money, yeah, always the health of our client, our health, is our health, and a bank is a structure that trades money, and... and if you can sell more money at a low price, then this is better than less money at a high price, and at the same time with a high risk, that’s why these are difficult times for us, also taking into account the fact that the rates are high, taking into account the fact that very currently strict regulatory requirements of the ce