dr. esmaili's speech. it is very short, within a minute . thank you to mr. dr. ismail for his very good comments. do it in the industry or services sector you see, in the end, 5 years will return to the bank's balance sheet cycle, and the 20-year loans will not go away. i meant this because the loans are long-term and have a 20-year repayment period, and according to the same orders that mr. pour ebrahim said, the discussion is now over and the price is over. the inflation that exists in our economy, the longer the repayment is, the more losses will result. you see, the banks have a fee for every rial of their resources. this is what i am talking about. look at the second speech of mr. ismail zadham. he said that now the banks have run out of money . or, for example, discussing their assets we all agree that there are problems , it is short, please answer within 15 seconds. yes, one sentence that we have these problems in the bank. thank you very much, mr. sharifan , mr. pour ebrahimi, i want to ask you a question. after dr. esmaili's summary is very short, plea