employment, itof is something russia has not had very much up. -- you mention unemployment. >> this oilrice will hurt. we will still make money. we will make a decent amount of money this year. but still, this oil price will make unemployment and unemployment will create on the russian consumer sector, including banking. in such an environment, it is difficult to work. you cannot make a business loan in this country. everything changes so quickly for the marketplace. this is a difficult place to do business. risk-reward. much more risky, but much more rewarding. plus is more competition, it is as unpredictable as it was in the 1990's. >> that sounds very negative. >> it is normal for russia. in the u.s., you would have died already. we will wait. >> you said you do not care about the sentience -- dissensions. what do you think about them? >> i do not know what they want to achieve. >> they say they want to punish resident hooton -- president hooton -- putin to change. >> they punish more businesses than vladimir putin. becausereater support of the sanctions. businesses.is the russian bu