Yuri Aksyuta biography personal life new. Eternal girl Tatyana Aksyuta: What happened to the fate of Russian Juliet
A few days ago, an interview with Deputy Chairman of the Bank of Russia Olga Polyakova appeared in the business press. It seems that the Central Bank is getting into the habit of making its employees what some call a laughing stock: the woman told the readers very absurd stories. However, one can understand it, because the land of the regulator’s officials, including Polyakova, is literally burning under their feet.
In recent months Olga Polyakova became the third high-ranking official of the Central Bank to speak in the media in the genre of questions and answers about the situation in the banking sector. Before this interview, the first deputy chairman was given to various resources Dmitry Tulin and deputy chairman Vasily Pozdyshev. And this is not counting the speech of the head of the regulator Elvira Nabiullina, delivered in the State Duma. However, judging by the barrage of criticism from experts, it is unlikely that these attempts by officials to interpret reality were successful. Obviously, Polyakova also failed to do this.
The fiasco happened largely because the publication had obvious signs of being ordered. According to the editor-in-chief of FinNews.ru Vladimir Shevchenko, “match-fixing ears” are clearly sticking out of it. “It has become absolutely impossible in recent years to obtain real, factual information from an official on current issues. All officials are either simply out of touch with the issues being discussed, or they are cynically lying.”, notes the journalist.
Indeed, many of the statements made by Polyakova contradict the real state of affairs. And if so, then the accusation of deceit is quite valid.
For example, Polyakova states at the very beginning of the material that the regulator notes “stabilization of the activities of credit institutions. The banking sector has entered a trajectory of sustainable, stable growth, profits are growing". Other representatives of the Central Bank stated approximately the same thing in their speeches. But, as you know, no matter how much you say “halva”, your mouth will not become sweeter.
Unbiased observers testify: there is no need to talk about “stabilization” and “sustainable growth”. Thus, according to HSE researchers, other processes are observed in the industry: “sluggish business activity and low propensity to invest”. The regulator was able to achieve that people began to fear him. “The Central Bank actually failed to prevent the death of the vast majority of banks. I’m not afraid to say that he often contributed to the death of these banks through his actions.”, - says the rector of the Financial University under the Government of the Russian Federation Mikhail Eskindarov.
Telegram channels openly laugh at the fabrications of the deputy chairman of the Central Bank. ““Profits of the banking sector are growing” - in general, fire... It was Olya Polyakova and the guys with Neglinnaya who drew the banks with ***** reserves. If anyone understands, this is an increase in costs for banks. Accordingly, most banks are f***ed, what’s the profit?”, writes the Nebrekhnya channel.
On this topic
Serbia does not want NATO membership and intends to strictly follow the policy of military neutrality. This was stated by the country's President Aleksandar Vucic, speaking in the city of Nis at an event dedicated to the memory of the victims of the NATO bombing of Yugoslavia.
The following pearl of the deputy chairman: “There is a revival in both corporate and retail lending. The population’s deposits continue to grow steadily, which indicates the population’s confidence in banks.”. This thesis also comes into direct conflict with what is happening in the country. Citizens' incomes have been falling for the fourth year in a row, and the population cannot afford the luxury of deposits. At the same time, for three months now there has been a massive exodus of clients from banks - and this relates to the issue of trust.
“I wonder what statistics citizen Polyakova is using when she says that bank deposits are growing? Suddenly, dear Russians began to earn more during her tenure as deputy chairman of the Central Bank? The superiors of all banks, who lost their excess of 1.4 million in DIA payments in banks with revoked licenses, carried this “air” to other banks? Where did people get the money to improve its statistics?”, - the channel asks rhetorical questions.
The tens of thousands of depositors themselves, who suffered this year not without the participation of the regulator, do not bother Central Bank officials either. It is worth recalling that only as a result of the very arbitrary, in the opinion of many experts, revocation of the license of the Ugra Bank, more than 30 thousand people lost their savings exceeding the established insurance minimum.
With the “revival” of lending, it seems that everything is also not as Olga Polyakova presents to us. In fact, poor ordinary people have to take out new loans just to... pay off the old ones. More than half of the loans are taken for this purpose.
The deputy chairman comments no less interestingly on the situation with specific banks. Here are her words about the main favorites of the Central Bank: “If we clear the amount of profit received by banks from the losses of the banks of the Otkritie FC and Binbank groups, then based on the results of nine months of this year, the profit after the formation of reserves amounted to 1.1 trillion. rub.". It turns out that to understand what has been said, if you read one of the publications of the Vedomosti newspaper, you should read this: “Due to the losses of the banks being rehabilitated, the sector’s profit decreased by one and a half times in nine months”. That is, the recovery process literally ate up all the sector’s income.
For quite some time now, documents have been floating around the Internet that can confirm the presence of foreign accounts with an official lady. It appears that as of June last year they may have contained more than 3 million euros. None of them have yet been reflected in the tax returns that civil servants are required to make public.
It is possible that Polyakova’s current impunity is strongly linked to her high-ranking position. It won't be the last one, the Teflon will instantly disappear. So we have to organize strange interviews in the media to show how wonderful the banking system is in Russia and how effectively Nabiullina’s team works. But can empty words stop the catastrophe that is approaching both the domestic economy and the actual careers of status deceivers?
The Central Bank is betting on the development of fintech...
Olga Skorobogatova appointed to the post of Deputy Chairman of the Central Bank in July 2014. Before that, she held the position of deputy chairman of Rosbank and was responsible, in particular, for the unification of IT platforms during the merger of Rosbank and Societe Generale Vostok bank. She graduated with honors from the Plekhanov Institute of National Economy and defended her MBA degree at California State University.
Presenting to deputies Olga Skorobogatova, Chairman of the Bank of Russia Elvira Nabiullina, noted primarily her role in the creation of the NSPK, which ensured the independence of domestic settlements from the international SWIFT system. Olga Skorobogatova will continue to develop the NSPK system and will oversee the entire fintech area at the Central Bank. The national payment system was created in virtually seven months and after another seven months began processing domestic transactions of international payment systems, Olga Skorobogatova said, speaking to deputies. According to her, the NSPK is developing very quickly, guarantees protection against the risks of external shocks and is well protected from cyber threats.
First of all, for obvious reasons, payments using Mir cards were launched in Crimea. " In 2014, we had almost no time to react, there were constant threats of shutting down SWIFT, and our payments would have been stuck,” Olga Skorobogatova reminded the deputies.
In 2016, preparation of the NSPK infrastructure for the mass issue of cards at the level of federal and regional banks was completed. “We want the product to be cheap, convenient and competitive,” said the Deputy Governor of the Central Bank. By the end of this year, according to her, the launch of ATM and POS terminal networks of NSPK will begin in the regions of Russia.
335 banks confirmed their desire to work with NSPK: they view the Russian payment system not as a backup system, but as an analogue of global systems
In 2017, NSPK will begin to offer grocery services, contactless payments, loyalty programs, and remote identification will be launched; There will be fundamental changes associated with the start of mass issuance of national Mir cards and the transfer of payments to public sector employees to these cards.
To date, NSPK is negotiating the creation of co-branded cards with all leading global payment systems; an agreement has already been reached with Visa. Olga Skorobogatova noted that 335 banks confirmed their desire to work with NSPK: they consider the Russian payment system not as a backup system, but as an analogue of global systems, and also cheaper.
NSPK is based on the developments of Russian specialists; in the near future, it is planned to use local systems to protect payments on the Internet, abandoning 3D-Secure, Skorobogatova said. The Central Bank, according to her, is betting on the development of fintech, and intends to “occupy certain niches before foreign players.” Olga Skorobogatova reminded deputies that the Central Bank had agreed to create a consortium with leading developers in the field of fintech and would play a leading role in it. It is planned to develop various areas, including blockchain. In order to speed up the development and implementation of new technologies, next year the Central Bank will propose a number of changes to legislation.
...checks...
Recommending that deputies be included in the board of directors of the Central Bank Olga Polyakova, head of the main territorial department of the Bank of Russia for the Central Federal District, Elvira Nabiullina noted the role of her colleague in the creation of a centralized banking supervision system and the transition to risk-based supervision.
Olga Polyakova appointed head of the main department of the Bank of Russia for the Central Federal District in December 2014, before that she worked as director of the internal audit department of the Central Bank.
The Central Bank will expand proactive supervision, Olga Polyakova said, this approach gives the Bank of Russia the opportunity to identify problems of financial and non-financial organizations at the early stages. It is important for the Bank of Russia to understand the business model of a market participant; further decisions are made taking into account the viability of this model, the quality of risk management in the organization, the level of independence of internal audit and its ability to identify problems.
For the Central Bank, it is important who is the owner of the organization and what goals the managers set - lending to the real sector of the economy or their own business, which is associated with increased risks for the credit institution. The Central Bank maintains a file on the owners of organizations, however, countering unscrupulous practices is a multifactorial task and must be solved in cooperation with law enforcement officers, Olga Polyakova said when answering questions from deputies.
"DIA for legal entities"
The goal of improving the banking system is, first of all, to protect creditors and bank depositors
Answering questions from parliamentarians, Olga Polyakova noted, that the Central Bank may consider creating a system for insuring deposits and funds of legal entities and budget funds placed in banks (similar to the one that exists for private depositors). However, one must understand that the creation of such a system will increase the burden on the budget: funds for reimbursing funds to bank creditors are formed at the expense of the Bank of Russia, in this case the Central Bank’s profit transferred to the budget will decrease.
The goal of improving the banking system is, first of all, to protect creditors and bank depositors. However, legal entities need to monitor the status of the financial institution where they hold funds, using, among other things, information from the Central Bank. Companies work with unstable banks, including because they receive preferences when lending to such financial institutions.
Off-balance sheet deposits
Unaccounted deposits are a serious problem because they undermine confidence in the financial system as a whole, said Olga Polyakova, answering a question about large-scale violations associated with off-balance sheet deposits in banks. According to her, there are two main ways to solve this problem: increasing the financial literacy of the population and introducing technologies for checking automated banking systems.
The Central Bank has developed a list of indicators that allow identifying signs of off-balance sheet deposits
(Like Olga Polyakova, in some banks where off-balance sheet deposits were identified, there were parallel automated banking systems, which made remote supervision difficult.) According to Olga Polyakova, the Central Bank has developed a list of indicators that allow identifying signs of off-balance sheet deposits.
Exchange control and foreign currency loans
Deputies reproached representatives of the Central Bank for the fact that banks do not accommodate foreign currency borrowers. “We cannot be indifferent to this,” Olga Polyakova agreed with them, but did not accept the reproach. According to her, banks are developing proposals for restructuring foreign currency loans and offering borrowers holidays when repaying debt. She assured the deputies that the problems of foreign currency borrowers remain in the perimeter of attention of the main territorial department of the Central Bank of the Russian Federation for the Central Federal District: the majority of borrowers live in this region.
Restrictions on the movement of capital will hinder investment in Russian enterprises and the development of import substitution
The Central Bank representative considers a return to exchange controls and the introduction of restrictions on cross-border capital movements to be unnecessary. Financial monitoring and AML/CFT measures are sufficient to prevent illegal transactions, Olga Polyakova said, and restrictions on the movement of capital will hinder investment in Russian enterprises and the development of import substitution.
...and divides
Next year, the Central Bank expects the adoption of amendments to legislation that will make it possible to introduce proportional regulation of the activities of banks. It is planned to introduce two types of banking licenses: universal and basic.
A basic license will give the bank the opportunity to reduce the volume of reporting sent to the Central Bank
The exact number of banks that will operate under basic licenses will become known after the approval of the parameters of such licenses, but Polyakova named some criteria that such banks must meet: they must focus on lending to regional small and medium-sized businesses, not have a connection to SWIFT and investments in valuable securities of foreign issuers, more risky from the point of view of the Central Bank.
A basic license will give the bank the opportunity to reduce the volume of reporting sent to the Central Bank; in addition, certain standards may be reduced for such banks. The Central Bank expects that laws on proportional regulation will help support regional banks and facilitate access to credit resources for small and medium-sized businesses.
What is the safest way to rob banks?
Stupid people believe that a robbery of a financial institution looks like this: thugs with stockings on their heads break into the bank and take the money. In fact, if truly successful robbers wear stockings, they only wear them on their feet, and they steal money... at their place of work.
Last June, one of those scandals that is very typical of the Bank of Russia broke out. Olga Vasilyevna Polyakova, who at that time held the post of head of the Main Directorate of the Central Bank for the Central Federal District, had over 3 million euros in her account in the Swiss Credit Suisse. More precisely, -3,128,254 euros and 97 euro cents as of May 18, 2016.
In another situation, one would have to be happy for the woman, because few people in our time manage to achieve such significant financial success. But the fact is that Polyakova is an official on the state’s payroll and seriously limited in additional earnings. Unfortunately, it is impossible to accumulate millions of foreign currency through honest work in a budget position.
Moreover, the woman in question spent almost her entire career in the civil service. As it entered the Central Bank in 2000, it still sticks out there. Even if not in the very first roles. Is it really in there that she has accumulated Swiss millions, eureka after eureka?
But even so. Here we already have to say that Polyakova is not only an official, but also a deceitful person: the income declaration submitted to her for 2015 does not mention any euros. The lady was honored to inform taxpayers only about the 12,776,816 rubles she received. Which, no matter how hard you try, you won’t be able to pass off as 3 lemmas as a single European one.
Or maybe the woman simply forgot to indicate the contents of the Swiss deposit in the document? It happens to everyone? “I’m so contradictory. I’m all so sudden.” But no. And in the 2016 declaration, Polyakova conceals interesting information: they say she received a measly 20,006,184 rubles for her work and that’s all. Wipe yourself, citizens.
By the way, the difference in income for the year before and last year for the owner of an impressive foreign account is explained in the most logical way. It was at the time of the revelation that Olga Polyakova was a modest head of the department, and on December 16, 2016 she was promoted to deputy chairman of the Bank of Russia. New position - new salary. New opportunities.
How could they promote an official who was caught hiding such wealth of unknown origin?! - the naive reader will be surprised. And she will immediately exclaim: she should have been driven away, or even to prison!
Indeed, Polyakova violated several articles of the law “On Combating Corruption.” It directly obliges civil servants to report “information about their income and property” and at the same time prohibits sovereigns from “opening and having accounts (deposits), storing cash and valuables in foreign banks located outside the territory of the Russian Federation.”
Nevertheless, the wealthy lady continues to build a successful career, not paying attention either to the laws or to the public, which is clearly shocked by what is happening. And the Central Bank is obviously happy to cover for a valuable employee and even transfer him from one office to another, higher one.
It is not surprising that the regulator will not emerge from numerous scandals, losing at a noticeable rate the remnants of reputation and respect that, probably, still remains among participants in the financial sector. But doesn’t a simple thought occur to anyone: the dirtier the Augean stables of the Central Bank, the faster they will find their own Hercules.
No money, but are you holding on? It turns out that there is no money in the Central Bank of Russia, but all citizens must hold on. This is exactly what meant Prime Minister Dmitry Medvedev? So, there was a mistake here and this thesis does not work. But it does not pass because there is money in the Central Bank. But for some reason they are not in vaults or in special accounts, but in offshore accounts and in foreign financial institutions with probably the best, especially talented representatives of the country’s main bank.
By the way, it is the Central Bank that every time joyfully reports, including to the head of state, that (attention!!!) “the withdrawal of money abroad is decreasing due to the works of the righteous and valiant Central Bank.” That's probably true. They apparently do not take into account their own millions abroad and thereby improve the statistics quite well? What else? After all, officially in our country you can’t pay for a non-resident - the bank will collect a bunch of papers, and then send a pile twice as large with its own explanations to the Central Bank. And he will prove that he himself is decent and defends his client. What can we say about individuals! If you want to make a transfer to your account, provide a certificate that you have notified your tax office about opening an account abroad.
But now let’s remember those for whom such a technique does not seem to be mandatory. Namely, high-ranking employees of that same Central Bank of the Russian Federation. While all the efforts of the Central Bank are aimed at preventing the withdrawal of funds outside the Russian State, some employees of this institution have significant funds in foreign banks. And one high-ranking lady is even the owner of an offshore company in Belize. But let's list the heroes by name.
So, on December 2, 2014, Olga Vasilievna Polyakova was appointed head of the Main Directorate of the Bank of Russia for the Central Federal District. And Anastasia Sergeevna Sverdel became her deputy.
So, these two ladies, according to some documents, are very, very wealthy, one might even say very rich. But their fortunes are by no means in Russian banks, where “there is no money,” but in accounts in Swiss and Belizean financial institutions.
Or maybe I’m wrong and high-ranking employees of the Central Bank nevertheless reported the presence of foreign accounts and companies for themselves, their loved ones, in the declaration that the Law obliges them to submit? Unfortunately no. They also forgot about the Anti-Corruption Law, which clearly requires disclosure of information about their income to senior employees of the Central Bank, which include Olga Polyakova and Anastasia Sverdel.
The website of the Central Bank contains information about the property of the head of the Main Directorate of the Bank of Russia for the Central Federal District, Olga Vasilyevna Polyakova. In 2015, she earned as much as 12,776,816 rubles and changed her car from a Mitsubishi Outlander to an Infinity QX60. But did she declare all her income? After all, in the Swiss bank Credit Suisse, as of May 18, 2016, according to documents, she has... 3,128,254.97 euros (three million one hundred twenty-seven thousand euros!!!).
Well, she doesn’t trust controlled banks. Happens. And she can be understood, especially since citizen Polyakova probably knows the situation with domestic banks from the inside. But the question here is different: did she notify her management of a possible conflict of interest when she transferred this amount, starting in April 2015? Indeed, according to the instruction of the Central Bank dated October 7, 2014 No. 3414-U “On the procedure for Bank of Russia employees to take measures to prevent and resolve conflicts of interest,” she had to notify the Department of Personnel Policy and Personnel Management and her immediate superior in writing.
Data on the property of Polyakova’s deputy Anastasia Sergeevna Sverdel is not publicly available, which in itself is strange, because as the deputy head of the Main Directorate of the Bank of Russia for the Central Federal District, she must disclose information about her income annually. However, she can be understood. Her accounts at Banco L.J. Carregosa S.A. lie... 3,793,973.58 euros (three million seven hundred and ninety-three thousand euros!!!). And the account was opened in April 2014.
And in the accounts of the company Matherick Group Limited, which she owns jointly with her husband (Leonid Sverdel), registered in the offshore zone of Belize, there are another 6,531,139.27 euros. The company's account was opened in June 2013. The company itself was registered in 2011. Anastasia Sergeevna Sverdel began to prepare in advance, in advance. And my wife hasn’t forgotten, he still has 3,709,011.55 euros in his accounts with Credit Suisse.
Turning to the above-mentioned instruction “On the procedure for Bank of Russia employees to take measures to prevent and resolve conflicts of interest,” I would like to ask whether Olga Vasilievna opened an account with Credit Suisse because Anastasia Sergeevna notified her of a possible conflict of interest and fulfilled her duty?
Be that as it may, helping the ladies fulfill the obligation to disclose information about the property they own, I [...] provided information on account balances, as well as information on the financial position of the Matherick Group Limited company owned by Anastasia Sergeevna Sverdel.
And I only have one question left. And he, most likely, is no longer to citizens Polyakova and Sverdel, but to the regulatory authorities and the head of the Central Bank. How were banking officials (the Central Bank is not a commercial and private structure) able to earn many millions of euros and how did they manage to take this huge money abroad and so elegantly hide it in accounts and offshores?
And another dilemma arises. But how can these mysterious millions be logically connected with the repressive policy pursued by Polyakova, Sverdel and their colleagues in relation to Russian banks - issuing orders with requirements for additional creation of reserves for possible loan losses, with restrictions on certain types of transactions, including attracting deposits, carrying out transactions through correspondent accounts and much more. Probably possible. And if so, then some particularly wealthy Central Bank managers will soon have to study not the instructions of the Central Bank, but the Criminal Code. Or explain the mysterious origin of millions of euros.
Financial statements of Matherick Group Limited
No money, but are you holding on? It turns out that there is no money in the Central Bank of Russia, but all citizens must hold on. This is exactly what the prime minister meant. Dmitry Medvedev? So, there was a mistake here and this thesis does not work. But it does not pass because there is money in the Central Bank. But for some reason they are not in vaults or in special accounts, but in offshore accounts and in foreign financial institutions with probably the best, especially talented representatives of the country’s main bank.
By the way, exactly Central Bank Each time he joyfully reports, including to the head of state, that (attention!!!) “the withdrawal of money abroad is reduced due to the works of the righteous and valiant Central Bank.” That's probably true. They apparently do not take into account their own millions abroad and thereby improve the statistics quite well? What else? After all, officially in our country you can’t pay for a non-resident - the bank will collect a bunch of papers, and then send a pile twice as large with its own explanations to the Central Bank. And he will prove that he himself is decent and defends his client. What can we say about individuals! If you want to make a transfer to your account, provide a certificate that you have notified your tax office about opening an account abroad.
But now let’s remember those for whom such a technique does not seem to be mandatory. Namely, high-ranking employees of that same Central Bank of the Russian Federation. While all the efforts of the Central Bank are aimed at preventing the withdrawal of funds outside the Russian State, some employees of this institution have significant funds in foreign banks. And one high-ranking lady is even the owner of an offshore company in Belize. But let's list the heroes by name.
So, Polyakova Olga Vasilievna On December 2, 2014, she was appointed head of the Main Directorate of the Bank of Russia for the Central Federal District. And Anastasia Sergeevna Sverdel became her deputy.
So, these two ladies, according to some documents, are very, very wealthy, one might even say very rich. But their fortunes are by no means in Russian banks, where “there is no money,” but in accounts in Swiss and Belizean financial institutions.
Or maybe I’m wrong and high-ranking employees of the Central Bank nevertheless reported the presence of foreign accounts and companies for themselves, their loved ones, in the declaration that the Law obliges them to submit? Unfortunately no. They also forgot about the Anti-Corruption Law, which clearly requires disclosure of information about their income to senior employees of the Central Bank, which include Olga Polyakova and Anastasia Sverdel.
The website of the Central Bank contains information about the property of the head of the Main Directorate of the Bank of Russia for the Central Federal District, Olga Vasilyevna Polyakova. In 2015, she earned as much as 12,776,816 rubles and changed her car from a Mitsubishi Outlander to an Infinity QX60. But did she declare all her income? After all, in a Swiss bank Credit Suisse As of May 18, 2016, according to documents, she has... 3,128,254.97 euros (three million one hundred twenty-seven thousand euros!!!).
Well, she doesn’t trust controlled banks. Happens. And she can be understood, especially since citizen Polyakova probably knows the situation with domestic banks from the inside. But the question here is different: did she notify her management of a possible conflict of interest when she transferred this amount, starting in April 2015? Indeed, according to the instruction of the Central Bank dated October 7, 2014 No. 3414-U “On the procedure for Bank of Russia employees to take measures to prevent and resolve conflicts of interest,” she had to notify the Department of Personnel Policy and Personnel Management and her immediate superior in writing.
Data on the property of Polyakova’s deputy Anastasia Sergeevna Sverdel is not publicly available, which in itself is strange, because as the deputy head of the Main Directorate of the Bank of Russia for the Central Federal District, she must disclose information about her income annually. However, she can be understood. Her accounts at Banco L.J. Carregosa S.A. lie... 3,793,973.58 euros (three million seven hundred and ninety-three thousand euros!!!). And the account was opened in April 2014.
And in the accounts of the company Matherick Group Limited, owned jointly with her husband (Leonid Sverdel), registered in an offshore zone Belize, another 6,531,139.27 euros lie. The company's account was opened in June 2013. The company itself was registered in 2011. Anastasia Sergeevna Sverdel began to prepare in advance, in advance. And my wife hasn’t forgotten, he still has 3,709,011.55 euros in his accounts with Credit Suisse.
Turning to the above-mentioned instruction “On the procedure for Bank of Russia employees to take measures to prevent and resolve conflicts of interest,” I would like to ask whether Olga Vasilievna opened an account with Credit Suisse because Anastasia Sergeevna notified her of a possible conflict of interest and fulfilled her duty?
Be that as it may, helping ladies fulfill the obligation to disclose information about the property they own, I post [...] certificates of account balances, as well as information about the financial position of the company Matherick Group Limited, owned by Anastasia Sergeevna Sverdel.
And I only have one question left. And he, most likely, is no longer to citizens Polyakova and Sverdel, but to the regulatory authorities and the head of the Central Bank. How were banking officials (the Central Bank is not a commercial and private structure) able to earn many millions of euros and how did they manage to take this huge money abroad and so elegantly hide it in accounts and offshores?
And another dilemma arises. But how can these mysterious millions be logically connected with the repressive policy pursued by Polyakova, Sverdel and their colleagues in relation to Russian banks - issuing orders with requirements for additional creation of reserves for possible loan losses, with restrictions on certain types of transactions, including attracting deposits, carrying out transactions through correspondent accounts and much more. Probably possible. And if so, then some particularly wealthy Central Bank managers will soon have to study not the instructions of the Central Bank, but the Criminal Code. Or explain the mysterious origin of millions of euros.
- All about raising rabbits for meat: tips and tricks Raising rabbits for meat is the best breed
- Why does a mother rabbit eat her babies?
- Why does a mother rabbit scatter her babies immediately after giving birth?
- Soviet merino: characteristics of the productivity of fine-wool sheep and features of caring for them Merino animal