Required to provide all the information on the cost of the loan in order to reduce risky lending in mortgages. We are also introducing macroprudential measures here from october loans with a low down payment and most importantly for borrowers with a high debt load and i must again say about unfair practices in the mortgage market, now we see that such very obvious schemes are a thing of the past, but after we tightened the regulation, overpricing is not so strong as it was before, but nevertheless, uh, there are still elements of the scheme, so we need to accept, we are working together with you , a mortgage lending standard, in the conditions of shocks of 22 years, banks behaved responsibly, increased significant reserves and are now actively investing in the countrys economy. Loans are growing, which means profits are growing, but there is no basel 3, why do we need it then, if we get by just fine without it, for me thats a trillion in additional capital, thats why it means im thinki