received this money, this is the idea that was embedded in this mechanism, it should be noted that anton genovichthat a decision was made, all deposits these were insured, 98% of all deposits in banks, they were insured, this mechanism began to work, and of course, bank control over construction support, that is , the citizen was practically removed from the risks, if something happened to the developer, then the bank or completed construction. or today he returned the money to the citizen, or if something happened to the bank, then the insurance payments covered his expenses. in principle, such a mechanism was created, and we saw that the transition, if we take it as of january 1 of this year, the transition was completely completed, so we believe that, well, probably a unique system of investment in the housing sector has been created , this probably confirms that all the difficult periods since the twentieth year, when we began a serious transition, firstly, it should be noted that if you imagine that at the time of the transition to 2018, construction was about 43 billion of money, only 400 b