eh, the ruble has strengthened or andrei lenich, yesterday he gave an interview to rbc. which of these goes where, how money is withdrawn. they what are they doing that is scary? you are going to do it peacefully, that’s what they are doing, otherwise we are introducing some kind of restrictions, mandatory returns, there are revenues and so on, but there are no sudden movements no one will do anything about the central bank and the key rate of 12%, uh, there will be a new meeting this friday for this week. and there is a possibility that the interest rate may be raised further, which means that loans will become more expensive. and how in these cases in this case then to develop industry, how to take out new loans, they become money, they become much more expensive. i have already said about this that the key rate affects, of course, the cost of money for loans and commercial banks. and this certainly holds back. uh, lending to the economy, that means and growth, but, but in general we, uh, see that uh , lending is at a fairly high level, first, second. uh, secondly, we

eh, the ruble has strengthened or andrei lenich. here yesterday i gave an interview to rbc. what are they doing? they scare and say, let’s do this and that in a peaceful manner, they , otherwise we are introducing some kind of restrictions , mandatory returns, there are handles and so on, but no one will make any sudden movements about the central bank and the key rate is 12%, and there will be a new meeting this friday this week. and there is a possibility that the interest rate may be raised further, which means that loans will become more expensive. and as in these cases in this case and so further develop the industry, how to take out new loans, they become? money becomes much more valuable. i have already said about this that the key rate affects, of course, the cost of money for loans from commercial banks, and this certainly constrains lending to the economy, and therefore growth, but, but in general, we see that lending is in at a fairly high level , first, second. uh, second. we see rapid growth in consumer loans. there is also a set of tools here. how can these ris