boltov sergey, rossiyskaya gazeta, please tell me what was the main mistake of numerous experts who at year predicted the imminent start of reducing the key rate, and one more question, if possible, in recent months banks have sharply increased the yield on deposits, so their rates began to exceed the key rate by two, three and even in some cases 4%. how long do you think this situation can last? thank you. thank you. analysts, like us, expressed judgments about the imminent start reduction of the key rate based on the data that was available to us... despite the fact that all other demand factors work to expand it, and this is a fundamental difference and in full, this understanding of the duration of the period of maintaining high rates, it was formed only in in recent months, as new information has come out, if you have noticed, we have begun to emphasize that a return to inflation will require a longer period of maintenance. tight monetary conditions, last month we started talking about we are ready to increase the rate if risks to inflation are realized and our updated forecast fo