to all to use the financial tech of technology. it's significant, because it really means that russia can't get access in dollars in euros as easy going forward. this is having immediate impact on citizens in a sense that people going on the metro in moscow, today, found that they suddenly could not use apple pay systems or their automated system. people are trying to use credit cards, as you heard earlier in the, show are suddenly being told that they cannot use it in moscow. and of course, we are seeing people queuing up outside of banks trying to get that money out. and that is the rising fear of penguins. we have already had one of the european branches of one of the biggest banks being essentially told by the european central bank that they are essentially, you know, going to collapse. now, it's important to get this perspective. because russia's central bank has prepared, in many ways, to make itself more resilient by