a new type of compulsory liability insurance from january 1 next year, and the situation on on the insurance market as a whole , we will ask the general director of the belarusian associationinsurers about the main drivers of growth in insurance premiums and payments. what was the overall picture of the insurance sector last year? you know, uh, the past twenty-second year was, in principle, quite difficult for the insurance sector, but despite this, the market showed some growth, on average, it grew by 5%, of course, this is somewhat lower than it was in previous periods. but still, this is the growth of some companies. they even showed, uh, growth rates above average and 20%, and 30 was. well, of course there were those who, uh, fell a little bit also, this year can also be called a year of unprecedented payments, a lot of payments were made by insurance companies. i would even say that every day in the twenty-second year , belarusian insurers paid out about 1 million 300,000 dollars in the form of insurance payments to citizens and enterprises. this is a record payout. e, probably, for the entire time of the existence of the insurance market is connected. this , of cours