filyushina maria bitkogan.n commission prohibited citizens and its persons from participating in the exchange of assets. because of this, foreigners may be afraid and not agree to a voluntary exchange. and what would it even look like in this case? exchange of assets and is there any chance of it at all? thank you, but it’s hard for me to comment on the decision of the european commission, which is aimed at the fact that citizens of the european union, among other things , cannot solve their problems that are blocked by the active ones, but we will consider any mechanisms and ways to protect the legitimate interests of russian investors. thank you, marina, please, marina pimenova, ntv business news, could it now happen that with a rate of 18% , people will actually stop taking loans, and companies will have floating rates? they will also continue to take them; as a result , we will not notice any special impact on inflation. and the second question is about fraud, now new schemes have become more active when sc