our stage of development, they are growing , and we see the ratio of our savings of individuals to kvpreasing, and for this we have created, for trust, we have created a number of tools, this includes insurance of bank deposits, 90 %, 98% all deposits are insured; we also provide insurance for those who invest their resources in financial instruments. such insurance also started working, we see that more and more people want to participate in the financial market, and today , by the way, it started working, one might say, today at the beginning of the year the system of long-term savings for citizens started working, and today the first contracts were concluded at the stand of the ministry of finance contracts, people's participation in a long-term savings system, this is very cool, because with one... the economy gets additional resources, so in this way we create another additional source for development. further, finances and housing issues, it would seem, what do housing issues and finances have to do with it, but a mortgage is a financial product, and it’s not for nothing that mor