european model, these are construction banks, i will not go into details, i will simply say that with roberkassauch a law were adopted in... the russian federation would cost, would cost our citizens 2 s pose cheaper than a mortgage, here is the regime, moreover, we insist that well, okay, all these apartments on a mortgage, it's all property, listen, why don't we build houses where the state will rent out social housing? yes, you can't privatize, it won't be your property, but you can live there in normal, comfortable conditions now, your children will be able to... live there, like everyone else lived before 1991 in the soviet union, why don't we do this, why do we, when they count, we have a huge number of square meters of housing, but let's be honest, it's all for money, and do all our citizens have money, most of them don't, even the most preferential mortgage, it is available to a maximum of 40% of our citizens, and 60% will never bring themselves housing, so let's think about them, let's think about how to solve the housing problem taking into account... and the sooner we correct this mis