thank you very much for answering your questions, wish you success. and now an interview with anatoly pechatnikovirman of the management board of vtb anatoly yuryevich good afternoon today you are participating in a session where, among other things, they will talk about the technological limitations of this banking sector, including disconnecting from the swift system and many others. what are the current challenges in this area for the banking sector that have a particularly strong impact on business, and how do you overcome these challenges? yes, good afternoon, but it will really be an interesting session. she will be tomorrow. and we will really discuss. uh, how competition and user experience will be affected by the restrictions that the country is facing today. ah, really interesting discussion, but, probably, still in relation to an industry not related to the banking sector. yes because and our financial services and the level of digitalization and the level of penetration of the mobile bank of digital technologies in the banking sector. extremely high. uh, moreover, in russia, uh, for t