how does the money lie, if we include e- vhi vms, then automatically all those who provide vhi services and the rich also become part of the provision of medical care to the entire population who wants to come . we will now remove all illusions from those who are insured with us under voluntary medicine. insurance they get help in the same medical organizations. they just follow a separate flow of money. perhaps then the money that has been accumulated by these private insurance companies. they could merge into the state insurance, since all this will be paid for by all the money that they are now allocating for servicing their employees. these enterprises, they would join the general system of mandatory medical insurance. that would be great. no, well, let's, of course, but just don't put it over us. let this money flow. well, let's say the additional contributions work, yes or the additional contributions of people is nothing wrong. well, they will always be ruled by the kingdom, or they will now be a solidarity fund. well, like this it was like this, if the srach is not right there,

kuznetsov vedomosti, and the other day vedomosti found out that the ministry of finance plans to unite oms vhi and are discussing this with the market. here you can say e what is the position of the central bank and does it participate in this discussion? thank you well such a discussion. yes, of course it does. e serious weighing all the pros and cons, probably, mm, there are pluses from this, but our opinion. uh, the voluntary health insurance market is developing very actively, we will continue to participate in this discussion. it's a very serious discussion because it's at a very early stage. next question online anastasia stagneev finational times please no sound please, alex please. what decisions did you have on the table? considered? uh, a rate cut, for example, and you are also waiting for the economy to continue to fall next year, and the fall is estimated at one, then from 4%, in my opinion, is there a risk that this forecast will be worsened due to the impact of mobilization on reduction of the work target in russia and the third question is just an opening, and we could not state

the expert calls the main problem of compulsory insurance the distinction between services for vhi ande demand for since the beginning of the year, gold has been purchased by 30 tons of precious metals ingots. this is all times more than last year. such data lead the ministry of finance by the end of the year, the figure could grow to 40 tons. investors prefer gold, as kilogram bars are the most popular as a reliable protective asset. they account for 60% of gold sold, about 38%, this is cream up to a kilogram and about 2% more kilogram finland continues to buy russian gas since the beginning of the year, the country has imported lng worth 85 million euros, of of which almost 90% of russian origin was informed about this by the finnish trade representative anton loginov according to him , purchases are made not through intermediaries, but directly from novatek under a long-term contract in euros. the international energy agency has raised its forecast for oil demand growth for this year plus 140,000 bpd for next 100,000. this is offset data m. at the same time, the agency expects new o