here is what mikhail zadornov said.f our borrowers to replace e, foreign currency loans with rubles, and they agreed part of the loans. uh is simply converted into rubles. here are today's rates. and i remind you that at the beginning of the year, for example, the dollar cost 74 now 60, that is, many borrowers. it's just profitable for them to have the total amount of debt when transferring from the euro, for example, to the ruble. it is simply decreasing, their interest payment is growing, but the debt itself is decreasing, and when they make the calculation , they understand that it is simply profitable for us to have, uh, ruble loans, and therefore the share of foreign currency lending is sharply reduced. well, i’ll add at the end mikhail zadornov also noted that despite all the difficulties that the bank faced due to sanctions due to adidosis. attacks customers of a credit institution are showing more and more interest to a mobile bank and to receive all services remotely alexander yulia thank you yulia makarova spo