hello dmitry, the participants are still refraining from accurate forecasts, but as aleksey moiseev, the big one in the current course, noted for the minister of finance, he does not see the situation that has developed in the financial sector. last year, the head of the central bank elvira nabiullina called it a sanctions storm, but noted that the work done in previous years made it possible to maintain stability. but what is happening now in world markets, in particular in the us banking sector, just shows. what can the policy of low rates lead to? yes, in russia in 2022 , a list of anti-crisis tools to support the economy promptly appeared, but as noted by the central bank, by the summer. anti-crisis measures began to be gradually phased out. and at the same time , we see that recovery is underway, including we are talking about consumer lending. here is what elvira nabiullina said about it consumer lending we, of course, fell in the middle of last year. well, it's slowly starting to recover. and now we consider the rate of growth of lending to citizens normal in our country befor