hello gorigin ashotovich. thank you very much for agreeing to take part in the conversation. our conversation will be quite capacious and rich; first of all, for our audience, i will say that gotovich is an academician of the russian academy of sciences, so his words have special weight. and first of all, since almost all of our audience, our readers and listeners, work with banks in one way or another. what motivates them to do this, firstly, material interest, because customer losses one way or another, although not completely, are largely reflected in the banks themselves. here are all the types or main types of fraud thanks to the led with the help of which tens of billions of rubles, huge sums per year, flow away, this is largely technical or , let’s say, technological methods, or psychology or psychology. blinkered and acting according to a certain false algorithm, you don’t hear these words, there is a whole series of measures to combat fraud, this is firstly detailed explanations, booklets are made by banks, now one regional bank has made a request, we have create