masoumi from the central bank will be added to jammon , the deputy director of the banking studies and regulations department of the central bank . i would like to ask this question to mr. shaghaei, basically, we have time to talk about business management. we are talking about banks, and we know what we mean by that, what exactly do we mean, which bank's activities, mr. doctor? no, nasser and moin, see the reality is that this is me, we are a manager, we have an opportunity in the business where they say that it is impossible for these three to be together. in my opinion, if i take this, it will also create a problem for the banking system. money see, our banks have been given the authority to create money . one side is the negative real interest rate that we have in the economy. this means that our real interest rate has always been negative for most of the years. on the one hand , they have a license or have been given permission to operate a warehouse. from the heart of dr. taghianani. money will not go to the private sector. i will give an example suppose i am hungry and i can coo