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Are also introducing macroprudential measures here in october for loans with a low down payment and, most importantly, for borrowers with a high debt load. And i must again talk 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, the overpricing is not as strong as it was before, but nevertheless, there are still elements of a scheme, so we need to accept, we are working together with you, a standard for mortgage lending, in the conditions of the shocks of the twentysecond year the banks behave...

But also we frequently think of Energy Efficiency in the context of investor and utility rate Payer Program seen by the commission. That is a huge important part of the Compliance Solutions that the we see but the other part, several non repair program so if you think about the amount of money spent on Energy Efficiency in the United States from the order of 50 billion including private sector investments consumers, utility investments, a longrange of things and the bulk of this is happening outside the ratePayer Programs and we want to make sure states and the opportunity to capture those ben...

But also we frequently think of Energy Efficiency in the context of investor and utility rate Payer Program seen by the commission. That is a huge important part of the Compliance Solutions that the we see but the other part, several non repair program so if you think about the amount of money spent on Energy Efficiency in the United States from the order of 50 billion including private sector investments consumers, utility investments, a longrange of things and the bulk of this is happening outside the ratePayer Programs and we want to make sure states and the opportunity to capture those ben...

But also we frequently think of Energy Efficiency in the context of investor and utility rate Payer Program seen by the commission. That is a huge important part of the Compliance Solutions that the we see but the other part, several non repair program so if you think about the amount of money spent on Energy Efficiency in the United States from the order of 50 billion including private sector investments consumers, utility investments, a longrange of things and the bulk of this is happening outside the ratePayer Programs and we want to make sure states and the opportunity to capture those ben...

But also we frequently think of Energy Efficiency in the context of investor and utility rate Payer Program seen by the commission. That is a huge important part of the Compliance Solutions that the we see but the other part, several non repair program so if you think about the amount of money spent on Energy Efficiency in the United States from the order of 50 billion including private sector investments consumers, utility investments, a longrange of things and the bulk of this is happening outside the ratePayer Programs and we want to make sure states and the opportunity to capture those ben...