legend of the national financial economic journalism, permanent editor-in-chief and founder of the finversiayou, thank you. and you know, here we have such chairs. i have it's all reminiscent of, uh, and given the theme of the pyramid scheme, fraud. this is exactly what we will talk about today about how to avoid such tricks from bad people. uh, it reminds me of a scene from uh, a permanent film, only holmes of the domestic passed. yes, only you, you know, it feels like we don’t have dr. watson holmes, we will be with you today, like your holsa and try to teach viewers. what to do how to avoid such things uh hmm what are called tricks let's start? let's, please what's here every day, well i at least. starts the day with the morning news. uh, i read that they fall for the tricks of fraudsters. not just grandparents pensioners. it would seem that people are far from financial literacy in general, but also quite professional people. well, it's even scary to say the bankers. there uh, sometimes even this financial officials, how does this happen? why, how, and let's say this to an ordinary perso