good afternoon alexandra, today olga skorobogatova said that in 2024, the mechanism for exchanging aalready work, and closer to this time the details will be known. well , today we talked a lot about the state of the banking sector. so the central bank will assess the financial stability of banks from the top 20 list by the end of this month, and as the first deputy chairman of the central bank said dmitry tullin, a number of banks may need to capitalize according to him, at the beginning of 2022, the capital of the banking sector as a whole was estimated at about 12.5 trillion rubles, of which seven trillion are reserves on average for the sector, but nevertheless, despite such weighty figures. still, it may be required before capitalization. and here is what dmitry tullin said about what methods before capitalization can be used. no, fishing will really need additional capitalization, when we reach digital, we we will certainly have to interact with our government on issues.