everything is here, so now, uh, that the returns are returning to normal , the normalized level shows that kostovthe risk returned to normal. well, this year there will be an abnormal non-normalized profit , there will be a slightly higher profit, because last year everyone created reserves. and of course, we, including a number of other financial organizations, have created reserves with a margin, and now a small example. yes, we have now dissolved the reserve of july, a large reserve, we sold it to our european bank. and hmm, last year we lost in return on capital, and this year we will have such a blowout. eh, we did not arrive we think. uh normal. that is, this is a one-time what it is called, yes, this is a one-time profit and it is not necessary to calculate the return on capital on it. that's why this year the banks will be in the first place, well, if nothing happens before the end of the year, there will be a normalized net profit plus simply sliding from what the banks managed to realize this year compared to the expectations that they have were last year in this sense against the backd