of investment life insurance and endowment life insurance. This is the obligation to disclose historical profitability on past policies, a 30-day cooling-off period or until the third service letters: 5 steps from formal pitch to marketing tool installment when making payments in installments, etc. But the insurer may not do this if the insurance amount is from 1.5 million rubles. We saw that the bulk of bad practices were associat with products up to 400,000 rubles. We believe that it is still difficult to impose insurance for 1.5 million rubles and above on the average bank consumer. These will then be outrageous cases. Therefore, we think that we have clos the story with misselling (deliberately misleading. The client with the aim of selling one product under. The guise of another. — Vomosti), but we are closely monitoring. What is happening on the market. Today, such products cannot be sold.
— Can you tell us about the profitability
of the investment life insurance policies that expir in 2022?
 As you know, in 2022, due to sanctions
payments on foreign assets in which investment life insurance funds were invest were frozen. Therefore, under contracts providing for the assumption of such risks by clients, additional investment income was not paid. As a result, by 2022, the average yield on expir investment life insurance policies was top 10 reasons not to build your own website less than 2% per annum. We believe that the practice of shifting infrastructure risks onto the shoulders of the client is unacceptable. It is the insurer, as a professional market participant, that should be responsible for such risks. We have alb directory develop a draft regulatory act that protects consumers from violations in the structure of the investment market, caus, in particular, by unfriendly actions of certain foreign countries and companies.