Riots January 13, 2009 in the city center — the only protest action, during which the aggressive-minded residents of Latvia broke windows in the building of the Diet.
At a time when the country 42% of children live at risk of poverty and social exclusion, "father salary" can reach 100 thousand (!) Lats per child. Our investigative report on how to Latvia for 20 years has gone so far.
Latvia — a country of extremes
Social worker Ieva Apfelberga (36 years old) with her husband, a teacher and four children live in a rented two-bedroom apartment in Cesvaine. Inese Shlesere politician and her husband businessman Ainars Shlesersom four sons and lives in a spacious apartment in the quiet center of Riga and is building a private house in Jurmala expensive. Both families — families with many children, and both pay taxes.
Adopted in September of this year, amendments to the law provide for 50%-s discount on property taxes for large families. At first glance, the idea seems to be very good. However, if you think the winner of these amendments will Shlesersu. By estimates of the study's authors, real estate tax, which Inese Shlesere annually pays for its 250-meter apartment in the city center, an average of 600 lats. If sotsrabotnitse Ieve owned apartment where her family lives, the tax would be no discount was 13 lats per year. This means that
getting a discount, Inese Shlesere could save 300 lats, but Ieva could save about 6 lats.
However, this is only a speculative comparison, because the family lives in Ieva service apartment her husband Marisa. Buy your apartment they can not, because, in the words of Ieva, "and in the" fat years "no bank family with three children did not want to give credit."
It could be argued that, of the total number of well-off families with many children, as Shlesersu, very little. However, these exceptions will get the most from the planned tax credit. According to estimates of the Ministry of Finance of Latvia, the average Latvian families with children at a discount on property taxes would save 5 lats per year. Thus, one family Shlesersu "picks up" the rate of sixty medium large families. This time Shlesersu not benefit as much as the pressure journalists and economists of the Ministry of Finance has set a ceiling unexpectedly tax credit — 110 lats.
Benefits system in Latvia mainly works in favor of the wealthy, allowing them to earn huge benefits, while people with a minimum income receive minimal benefits. The current system is absolutely the opposite of Latvia established in some European developed countries where social protection means that in especially difficult circumstances people will get help. In Latvia, where
42% of children live at risk of poverty and social exclusion,
which is the third highest rate in the European Union, "his father's salary" may be 100 thousand lats per child.
For years, the missing taxes on dividends, capital gains and housing wealth allowed to avoid substantial taxes, while the poorest in society pay taxes "in full". Many of those who could not pay and survive left. In the past 20 years, left Latvia about 200 000 people, only one in five of them admitted that for five years can go back.
While the Latvian elite tells the worldwide success story of Latvia in the fight against the crisis, the numbers tell a different story. More and more people in Latvia are getting poorer and poorer. Since 2004, the number of poor people in Latvia increased by 158%. Estimates of association of economists BICEPS show that
90% of the average monthly family income is 425 lats.
At the same time, members of wealthy families have the opportunity to spend seven times — 3018 lats per month.
According to comparative to Eurostat, in 2005, Latvia has always been among the countries of the European Union, in which there is the biggest difference between the income of the poor and the rich. The degree of stratification of the country is determined by the Gini coefficient (GINI), and, apparently, the latest data show that Latvia on this indicator will be the first.
Researcher at the Riga Graduate School of Economics, now a politician Vyacheslav Dombrovskis (PR) analyzed the data on registered vehicles in 2010, and proved that the Gini coefficient is even higher than the traditional study showed — 55% (the higher the score, the greater the inequality). LKonets form
It is quite natural that during the crisis the number of poor increased in all countries. But studies show that in Latvia increased stratification of society is in the "fat years", when the economy was in turmoil. The winners were upper class and the middle class.
"We do not feel as if the crisis — Total revenues were approximately the same,"
— Says Ieva Apfelberga. She and her husband, Maris, who works at the orphanage Grasi and the music and art school in Cesvaine earn for a family of six people in about 500 lats a month. With such income family could claim the status of the poor and on welfare. However, they do not, so Ieva says it is "unethical". "I still is not so bad," — she says, and tells the story of colleagues who raise three children alone and also do not apply for benefits.
During the crisis, the difference between income and Ieva Apfelbergi rich people has decreased, as incomes of the rich fell by almost a third, while the incomes of the poor have less than 9%. True, it should immediately be noted that in the period from 2004 to 2008, the revenues of the wealthy households rose by more than 2.5 times, and the poor — in 2 times.
Incomes of the rich is rapidly decreased due to reduced opportunities to earn by investing in mutual funds, and the bursting of the bubble in the property market. The experience of the U.S. shows that the richer section of society recovering from the crisis faster than the poorest part of the population. Similar trends can be observed in Latvia.
Under pressure from international creditors Latvian government during the crisis has expressed a desire to take care of people with low income. However,
These ideas were only "on paper".
A good example would be developed by the Ministry of Finance tax strategy for 2011-2015. In this document, in 2010 the Ministry of Finance has indicated that a significant part of the population can not pay, "even the minimum needs that (…) creates a public perception that the tax system is unfair and nerazmerennaya." Therefore, officials asked to implement "social justice" and "reduce taxes on low salaries and raise taxes on the exclusive real estate."
To achieve these objectives, the Ministry has proposed four amendments to the legislation. Using a special simulation models, an economist Alfs Vanags with colleagues from the BICEPS proved that from the beginning again, these changes are much more "hit" is for receiving small salaries.
Why Latvia has gone so far? Because it is beneficial to the rich!
In 2006, Peteris Strautiņš, an economist at Bank DNB, publishes economic surveys in the newspaper Diena, wrote: "In Latvia, the powers that be convenient instilled in the Soviet era ideology that capitalism can only be unjust."
s of inequality in Latvia appeared immediately after the restoration of independence in 90 years, with the start of privatization. Estonia is the only Baltic country, allowed to privatize the company, having bought them for money or investing in investment. As a result, enterprises are in the hands of foreign businessmen who have introduced industrial innovation and entered new markets. From 1993 to 1995, foreign investment in
Estonia amounted to 366 million dollars, in Latvia — 143 million dollars in Lithuania — 42 million dollars.
Thanks to the interest of certain economic groups privatization in Latvia was delayed until 1998. Lucky those who were close to the line ministries. Scientists note that the time is not the reforms lead to the emergence of the so-called oligarchs, resulting in a substantial part of public goods into the hands of individuals, which in turn leads to restriction of fair competition.
In the period of privatization in Latvia appeared two most prominent tycoon. In the property of a former employee of the Ministry of Agriculture, Andris Skele got the largest state-owned food company. Bloody battles were fought in the lucrative field of banking and transit, which gave the second Latvian oligarchs — Aivars Lembergs. Business communications firm merged with politics. Skele has created a "pocket" the People's Party, Lembergs — the Union of Greens and Farmers. In the banking sector appeared bank Parex — an important source of money for many Latvian and Russian parties, enabling them to realize their interests.
Parex close ties with politicians were revealed at the time of taking over the bank in November 2008.
Despite repeated requests from the Latvian banking regulator to establish limits for the withdrawal of money from the bank Parex, the government Ivars Godmanis (Latvia's Way / Latvia's First Party) rejected those requests. As a result, in less than a month from the bank "uplylo" 294 million lats.
Later discovered that, according to Godmanisa "profitable" society Parex takeover agreement allowed the former owners of the bank and their families continue to receive interest on deposits. In 2010 amounted to 4.7 million lats from the already in the possession of the State Bank. These interest payments are paid to date.
One of the most influential economists Russian counterpart Sergei Guriev Andrey Rachinsky explain: the emergence of the oligarchs has its positive side. The oligarchs — entrepreneurs, they are interested in bringing the state in the order in which themselves will be able to earn. During the premiership of Skele Latvia confidently moving towards joining NATO and the EU formed a stable currency. World Bank economist Carl Schmidt said that Latvia at first tried to implement the reform of the so-called "first generation".
In the early 2000s, there was a crisis, when you had to go to the reforms of the "second generation" — an open economy, free competition, meaning the old economic elite for the loss of their piece of the "pie." The oligarchs are making decisions that affect the least of their own interests. In particular this applies to changes in the tax system.
In Latvia, for a long time there was no tax on capital gains and dividends. According to the richest people in the country,
such a tax could "scare" of foreign investors.
Despite the fact that economists consider such a frivolous argument, it is still used to make many decisions.
"Those who at that time could receive dividends from the company, did not represent the economic elite — says Peteris Strautiņš. — For example, Normunds Bergs (the sphere of information technologies.. — Ed.) Is very rich, but does not receive millions in dividends from their companies. At the same time, people who just grabbed assets and earned thanks to the strategic placement of funds regardless of the profits of the enterprise, and there were those who received millions in dividends. "
One of those who earned at the expense of "strategic placement of funds" was Aivars Lembergs. According to the calculations of journalists in the last ten years Lembergs and dividends earned on bank deposits 14.8 million lats. If entered during the crisis tax on dividends appeared a decade earlier, Lembergs would have to pay taxes on the $ 1.5 million lats. This money would be enough to pay salaries for a year 250 teachers.
Politicians, who had no business like Lembergs, "Navar" in the real estate business. The legislation offers a variety of options on how to avoid a variety of taxes.
In 2006, became a millionaire Aigars Shtokenbergs (People's Party), who was at that time the position of the Minister of Economy of Latvia. He sold the land in Riga for $ 1.9 million.
Around that time, the former Palace of Sports in Riga was sold daughters Andris Skele, the founder of the People's Party. Transaction amount fluctuated around 20 million lats. And Skele family, and the family Shtokenberga, to conclude the deal, avoiding a 15% tax on the income of the company.
Another millionaire in the "fat years" became a councilor of the People's Party Jurgis Liepnieks.
As tax evasion is suspected, and former Speaker of the Saeima Janis Straume of TB / DNNL. In 2004, he sold his very cheap four-room apartment in the Old Town. Mr. Straume advantage popular at the time the scheme: do not show the full purchase price, so you never have to pay a 2%-ing fee. A year later, after the scandal raised by the media, the amount of the transaction, stated in his declaration of income, have been ten times more. Experts believe that the real estate industry, only 10% of transactions, indicate the full purchase price.
Speculation in the real estate industry is actively engaged in former Prime Minister and Finance Minister Einars Repse ("New Era", later — "Unity"). In 2005 Repshe sold 11 properties in the parish Kaunatas. Amount of the transaction is unknown.
Seven objects (in Jurmala, Garkalne, Ventspils) during the housing boom and bought the head of Bank of Latvia Ilmars Rimshevich. Record among officials in the real estate may be the current President of Latvia Andris Berzins, who owns more than 30 objects. Half of them are located in expensive coastal areas — Kolka and Nitaure.
Calls for local and foreign economists to impose higher property tax to cool the overheated economy, the government, led by Prime Minister Aigars Kalvitis and ministers of finance and Oscar Spurdzinshem Atis Slakterisom ("People's Party"), were not heard.
To replenish the treasury, the government was
easier to take money from sotsrabotnitsy Ieva — a tax that is paid when shopping in the store —
instead of collecting taxes from the property, which would be much more honest.
Ieva and her family could not engage in speculation, since they did not have this money. Maris Apfelbergs recalls: "The bank looked at my income, to see how many children we have, and said that no options (a loan) will not."
"If we look at fiscal policy in the long term, we see that in some cases lied policy — says economist of Swedbank Martins Kazaks. — For example, in late 2000, even before the crisis began in Latvia, from economists often sounded addressed to the government proposal to reduce the tax on labor and an increase in property tax, but worked in the Ministry of Finance replied that they do not will be, as the country has a perfect tax system. Evaluation professionals Monetary Fund said the same thing and economists.
Of course, the report was classified Monetary Fund.
A few years after that, when the do
cument was made available, we clearly see that international experts recommended Latvia to reduce labor taxes. Why, then, we were told fairy tales? "
In contrast to the nimble politician, Ieva and Marisa was not firm, the name of which to register your car. Such a scheme is still a popular way to "tax optimization" as registering a car in the name of the firm, as the costs can be written off fuel, repairs, insurance, and also partially reclaim the VAT.
Investigation of the journalists showed that in 2010, out of 1,690 registered in Latvia, 80% of new BMW vehicles were registered in the name of any firm. In 2011, legislation tightened: introduced a new tax on all machines belonging to the enterprise. Thus, the State has demonstrated its superiority over private businesses, as public institutions, and governments do not pay this tax. In the State Revenue Service explains that employees of state institutions are not allowed to use the company car for private purposes. True, the press has repeatedly wrote that the ban violated.
"Holes" in the laws and policies used today. According to the published information on the portal pietiek.com, head of the faction of the Diet "Unity" Dzintars soured rides on a new Volvo, which he bought his own firm. These actions reflect the attitude of most politicians and residents in some sense "legalize" tax evasion. In society, there is a perception that if the powers that be do not use their power to change the law and, moreover, themselves use the "hole" in the law, to circumvent the law allowed and medium entrepreneurs.
Approximately half of the residents of Latvia considers that one can not pay the taxes. Among the Baltic countries Latvia has the highest level of shadow economy — 30%.
How are decisions made?
One can not say that the Latvian tax system is deliberately built so as to be profitable prosperous residents of the country. Officials are often unconsciously.
"Many times I demanded that the three officials of National Economic Commission (Latvian Saeima) to examine how such a problem can be solved in other countries — says a former associate professor of economics at the Riga Graduate School of Economics, Vyacheslav Dombrovskis. — Our problem is that the capacity Academic close to zero. " Therefore, he said, the government is taking hasty decisions, crippling the system.
Latvia is the only country in the Baltic States, where unemployment benefits and parental benefits (the so-called "mother's wage") does not have a ceiling. This means that people with high incomes are getting huge benefits, devaluing the fundamental principles of the system. Its aim — to help people survive in specific situations. State by paying should provide a wealth of exclusive lifestyle.
Recently, the public outcry caused the information about the parent handbook employee of the Bank of Latvia Raivo Vanagsa — 55,700 lats. Later it became clear that
a record amount of aid was two times higher.
In 2011, the payments on it were 107 thousand lats (ie an average of 11 780 lats per month). The names of the recipients of the largest publicly available benefits.
Now hailed as the "transition period", in which you can not get a full "parent" / "father" grant in the amount of wages, as it was in the "fat" years. However, all is not yet determined a maximum line benefits (upon payment Raivo Vanags allowance of 55,700 lats have been applied law on the ceiling).
For comparison, the Estonian and Lithuanian ceilings "parent salaries" act with the introduction of these benefits. In Estonia, the maximum "mother salary" is 1,500 lats in Lithuania — 940 lats per month.
A similar situation exists with unemployment benefits. In Latvia the highest paid out unemployment benefits to 22 000 lats per month (total amount paid — 166,000 lats). This allowance was paid in 2008, at a time when the state takes over Parex and its key staff positions left bank.
Huge compensation, including holiday pay and salary received at least nine former members of the board and the board of the bank Parex. Some of them, the bank Parex, who was already in the hands of the state, paid 200 000 lats, the total payout is exceeded 1.2 million lats. It seems that some of them applied for and receive unemployment benefits. Journalistic investigation showed that
compensation in the amount of 200 000 lats received and vice-president of Parex martini Jaunarajs.
Speaking to reporters, he declined to comment on the amount of compensation, the question of the registration status of an unemployed after losing positions in the bank and left without comment.
According to information from the so-called cases of data leakage Neo, also received huge compensation Guntars Grīnbergs, Vladislavs Skrebelis, Director Zolotarevs and Eriks Brīvmanis.
In Latvia ingrained another belief: I was paying a lot in taxes, so I'm supposed to get the same amount back from the state. Economist Research Center BICEPS Alfs Vanags taxes compares with insurance that is purchased to protect themselves from a variety of situations. If the State provides for the payment of child benefits, they should be as large as to have enough for a child.
"But we need to 100 thousand lats to raise a child?" — Asks the rhetorical question Vanags.
For "put in a common purse" money the state must provide the residents of the services that can not always be measured in money: quality health care, education, infrastructure and good roads, police protection. The more common of these benefits, the better the state. For example, educated people to the state — is higher productivity and new jobs.
English scientist Richard Wilkinson demonstrated that high levels of social inequality hurts the economy and the health of democracy. The more disparity, the above
the crime rate, the suicide rate, the level of drug and alcohol abuse,
as well as the higher level of confidence in the government. These factors apply to all — rich and poor.
If the purpose of Latvia is to achieve greater equality, both in Scandinavia and Estonia, it means that the rich should pay more to the state (through taxes). The other issue is that because of the high level of corruption in Latvia people do not want to pay taxes because they do not have confidence that the money will really go to the salaries of nurses, not the expansion of the fleet of the Diet, or the construction of another "golden bridge".
The press often sounds conviction: why pay taxes if the money are "couch unemployed?" In fact, because of the lack of professionalism of journalists who do not analyze the tax system and benefits, and the unemployment situation on a global scale, the society formed a misconception of the real situation. Income inequality and low wages have not created the unemployed, and the political elite.
Why do I need to worry about rising inequality?
Increasing inequality harms "health" of the state and separates wealthy part of the population from real life. The rich are less interested in the payment of taxes "in the pot." They can buy everything you need — health insurance policies, pay for heating, to send children to private schools. The question naturally arises: why would they improve the quality of higher education in Latvia, if their children are studying abroad? Why give more money to hospitals, if they do not stand in queues for operations?
The Nobel Prize in Economics, the American economist Joseph Stiglitz explains: "Increasing inequality means that we do not use our greatest t
reasure — the people." For example, while in Latvia it is possible to study in higher education at public expense, more likely
use this opportunity to young people from wealthy families.
They have more information, more money to better prepare for the entrance exams — to hire private tutors, buy the necessary books and so on.
Another possibility, which they say those who can not improve their lives in Latvia, — to leave. Who left say that in Latvia feel "losers" (neudachnikami.. — Ed.) And yearn for the state, which would take care of them.
"At this time, the time spent at home was too much. Each time, more and more difficult to pack, "- says former resident of Norway Cesis Inese Liepinja with which the authors of investigative journalism met in the summer in Latvia.
|Inese and Peteris Liepins. Photo: Maris Rizga|
For a year she and her husband live in Norway and worked as a postman to pay Hipoteku banka credit 10,000 lats taken to complete the construction of a private house. Despite the fact that Inese very homesick, it is difficult to take all the oddities that occur at home. "The visit to the building inspectors and talk about the planning and development of the territory is fully demonstrated the absurdity of the system" — says Inese.
In contrast to the hot South, Latvians do not express an opinion on the demonstrations. The head of the Latvian Association of Free Trade Unions Peteris Krieger in an interview with Latvian State Radio this summer said that Latvians are two acceptable forms of protest — to sign up for a referendum for the dissolution of the Diet, or
"To collect things in a suitcase and leave Latvia."
In this situation partly to blame himself Krieger. In Latvia there is a strong organization that would protect sellers or nurses. The failure to conduct a strategic conversation with politicians — one of the reasons why the summer of 2012, the government managed to defend the interests of entrepreneurs.
"Look at how the representatives of employers and entrepreneurs! They go to the politicians, they say, prove, using specific numbers and getting what they want, as long as Krigers just screaming. No one takes him seriously, "- says one official who is directly associated with the formation of tax policy.
In the beginning of this year, the Latvian government has promised to increase the exemption limit, which would mean that the sellers, nurses and police officers would receive more. Instead, after an active lobby of the business, the government has decided for three years to reduce the personal income tax — hence,
more money will stay in the middle class.
According to estimates BICEPS, if the exemption limit raised to 90 lats income 90% of Latvian households will increase by 2.8%, or 11.9 lats, and the income of the richest 0.1% of families — by 0.5%, or 29 lats.
As a result of government policy currently realized income families who earn more than 1000 per month lats to increase by 5.3%, while the income of poor families, as Ieva of Cesvaine — by 3.3%.
Today, the main priority of the Ministry of Finance of Latvia — the creation of new jobs, thereby reducing the tax on labor. The Ministry hopes that the way to attract more foreign investment, although the studies that could confirm this assumption, no.
"On the social justice we will never forget. However, we must understand that there is also a principle of efficiency, — the head of the Department of Direct Taxes of the Ministry of Finance Astra Kalyani. — To
implement the principle of social justice in the developed model, you need to pay a heavy price. "
What do you mean "expensive"? The government has estimated to increase the exemption limit of 10 lats, in addition to 17.3 million lats a year. No money for that. Instead, the government next year will increase by 10 lats exemption limit for dependents of people that the cost to the budget of 4.3 million lats. It's a little, at least in comparison to the fact that from 2009 to 2011, the government has found 143 million lats to invest deposited in a bank Hipoteku banka. The latest "additive" — 25 million lats — the government has made in the summer of 2012, the magazine said IR.
BICEPS calculations show that with such a policy will only increase the degree of inequality. Economist Martins Kazaks believes that in Latvia, along with the creation of new jobs, the priority should be to reduce social inequality. Otherwise, people with low incomes will be only one option — to emigration.
What to do?
Despite the huge losses in the crisis was also a positive side. The government was finally forced to make decisions that were postponed last 20 years. There was a tax on dividends and capital gains, so that in 2011 the state treasury received an extra 28.5 million lats. Councils were abolished state-owned enterprises, which served as feeders for the ruling political parties. From the stage left some prominent oligarchs.
"In Latvia there was in fact a change of regime. Without war and revolution "
— The consequences of the crisis says economist Peteris Strautiņš. According to him, in the "fat years" tax policy was "superelitarnoy (…) and now we are gradually moving towards something more moderate."
Strautiņš is looking forward to the future and thinking that "real estate tax will definitely be created in such a way that people who own large objects, paying more. Also, sooner or later, the exemption limit will be raised, which would make the income tax more progressive. "
However, while such optimism is no particular reason. The pressure of international lenders eased, and it looks like the ruling elite
trying to get back on the old track.
During the crisis, politicians were told that international lenders are forced to cut pensions and raise taxes. It was a half-truth. A World Bank study in 2010 shows something else. Bank recommended ALLOT, and not increase the tax burden. The main emphasis of the international lenders have made to improve the lives of people with low incomes, and the study of the bank were given specific examples and recommendations on how to do it. Analysis of journalists shows that most of these recommendations has been ignored by the government of Latvia.
The World Bank recommended that Latvia redistribute 8 lat family benefits and impose greater benefits for the poor. In Inese Shlesere 32 lats (monthly allowance for children.. — Ed.) Does not affect the family budget, while for social workers Ieva is a monthly charge for electricity. The Ministry of Welfare say they did not implement this proposal, as the administrative costs would be far higher. However, on the question of the amount of costs in the Welfare Ministry could not answer — there is no such calculations. Question postponed until 2015.
In addition, the World Bank recommended expect "mother" / "father" of the benefits of social security contributions for at least two years to avoid scams when large tax payments made shortly before the birth of the child. The World Ban
k also noted that the budget for Latvia in general can not afford to "maternal wages" and that they wrongly paid out of the social budget. Instead it was proposed
pay all families 100 lats benefit and provide support in another way,
for example, by introducing a lower tax rate.
At the moment, the Ministry of Welfare is working on a model in which the "mother pay 'would be calculated on tax assessments for three years. Introduce a ceiling of benefits, as in the neighboring countries, the ministry has no plans.
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Ru045ER Ru0454ReRu0458 Ru0455R � u00B1 � F � Su0402R Ru0455Ru0458, Ru03BCSu0403R "Re Ru0457Ru03BCRu0405Su0403ReSu040F Ru0457Su0402Ru03BCR � ReRu0491Ru03BCRu0405S, P � P> P Ru0452Ru0405Ru0491Su0402ReSu0403R � R'Ru03BCSu0402R � ReRu0405Su040AS u20AC � F Su0403Ru0455Su0403S, P � Ru0406R "Su040FRu03BCS, 5000 P" P � C, Ru0455Ru0406 PI Ru0458Ru03BCSu0403Su040FS u2020 Ru0491Ru0455 Su0453Ru0457R "P � C, C <Ru0405R � P" Ru0455Ru0456Ru0455Ru0406, PI Su0403R "ft u2021 P � Ru03BC ReRu0405Ru0491Ru03BCRu0454Su0403R � C u2020 ReRe Ru0455Ru0405 Ru0457Ru0455R" u2021 ft res, Ru0454 Su0403Ru0406Ru0455Ru03BCR number Ru0457Ru03BCRu0405Su0403ReRe P u00B1 Ru0455R "Su040AS u20AC Su0453Su040B Ru0457Su0402ReR Ru0406Ru0454Su0453 � u00B1 R, C u2021 u2021 With Ru03BCRu0458 Ru03BCR" Ru0455Ru0406Ru03BCRu0454, Ru0457Ru03BCRu0405Su0403ReSu040F Ru0454Ru0455S, Ru0455Su0402Ru0455Ru0456Ru0455 Su0403Ru0455Su0403S, P � Ru0406R "Su040FRu03BCS, 300 P" P � C, Ru0455Ru0406 . Ru0452Su0402Ru0456Su0453Ru0458Ru03BCRu0405S,, C u2021 C, the PS R'Ru03BCSu0402R � ReRu0405Su040AS u20AC PI Su0403Ru0406Ru0455Ru03BC Ru0406Su0402Ru03BCRu0458Su040F Ru0457R "P � C, PEP" P u00B1 Ru0455R "Su040AS u20AC Ru03BC Ru0405R � P" Ru0455Ru0456Ru0455Ru0406, Ru0405Ru03BC Ru0406S <Ru0491Ru03BCSu0402R u00B6 � ReRu0406R Ru03BCS, Ru0454Su0402ReS, ReRu0454Re. Ru0459R � Ru0454 Su0453R u00B6 Ru03BC P u00B1 C <P "the PS P � P � Su040FRu0406R" Ru03BCRu0405Ru0455 Su0402R � Ru0405Su040AS u20AC Ru03BC: Su0403ReSu0403S, Ru03BCRu0458R Ru0405Ru03BC Su0402R � � u00B1 Ru0455S P, P � Ru03BCS, Ru0457Ru0455 Ru0457Su0402ReRu0405S u2020 ReRu0457Su0453 In "Su0403Ru0454Ru0455R" Su040ARu0454Ru0455 P � P � Ru0457R "P � C, PEP" ft Ru0455R "Su040ARu0454Ru0455 Ru0457Ru0455R" ft u2021 PEP "Ru0405R � F � P � Ru0491V." Ru040ESu0453S u2030 Ru03BCSu0403S, Ru0406Su0453Su040BS, C u2021 P � ft Ru0405S <Ru03BC Ru0457Ru03BCRu0405Su0403ReRu0455Ru0405Ru0405S <Ru03BC C "Ru0455Ru0405Ru0491S <PI Ru0454Ru0455S, Ru0455Su0402S <C … Ru0458Ru0455R u00B6 Ru0405Ru0455 In" Ru0406S <Su0402R � C u2030 ReRu0406R � C, Su040AV "P u00B1 Ru0455R "Su040AS u20AC ReRu03BC Ru0457Ru03BCRu0405Su0403ReRe.
Ru045AReRu0458Ru0455 ft u20AC Ru03BCR number P "P � C, Ru0406ReR number Su0403Ru0454ReS … Ru0457Ru0455R" PEC, ReRu0454Ru0455Ru0406 Ru0457Su0402Ru0455S Ru03BCR u20AC "Re Su0403Ru0455Ru0406Ru03BCS, P � P � u00B1 Su0402Su0453R Ru03BCR Ru0405S u00B6 <C … Su040CRu0454Su0403Ru0457Ru03BCSu0402S, Ru0455Ru0406 Ru0457Ru0455Ru0406S the PS <From u20AC Ru03BCRu0405ReRe Ru0405R � P "Ru0455Ru0456R � � Ru0405R Ru0405Ru03BCRu0491Ru0406ReR u00B6 ReRu0458Ru0455Su0403S, Su040A, C u2021 C Ru0455R u00B1 C <P u00B1 Ru0455R" Su040AS u20AC Ru03BC Ru0458Ru0455R u00B6 Ru0405Ru0455 P u00B1 C <P "the PS Su0403Ru0455R Su0402R u00B1 � C, Su040A Su0403 Su0403Ru0455Su0403S, Ru0455Su040FS, Ru03BCR "Su040ARu0405Ru0455Ru0456Ru0455 Ru0405R � Su0403Ru03BCR" Ru03BCRu0405ReSu040F. P u00A4 Ru0455Su0402Ru0458R � P "Su040ARu0405Ru0455 Ru0454R Ru0454 � F u00B1 Su0453Ru0491S, the PS Su0453Su0403S, Ru0405Ru0455Ru0406R P �" � Ru03BCRu0405R Ru0458R Ru0454Su0403ReRu0458R � � P "� Su040ARu0405R Su040F Ru0457Su0402
Ru0455S u2020 Ru03BCRu0405S, Ru0405R � Su040F ft Ru0406Ru0454R P � � u00E2 u20AC" 1.5 % Ru0405R � u00D0 u00B6 PEP "Su040ARu03BC, Ru0455Ru0491Ru0405R Ru0454Ru0455 PI � C, the PS P u00B6 Ru03BC Ru0406Su0402Ru03BCRu0458Su040F Su0403R � � Ru0458Ru0455Su0453Ru0457Su0402R Ru0406R" Ru03BCRu0405ReSu040FRu0458, Ru0454Ru0455S, Ru0455Su0402S <Ru03BC Su0403Ru0455R ReSu0402R � u00B1 Su040BS, Su040CS, Ru0455S, Ru0405R � P "Ru0455Ru0456, Ru0491R Ru0405R � � u00B1 R Ru0455R "Su040AS u20AC P � u00B1 Su040F Su0403Ru0406Ru0455R Ru0455Ru0491R Ru0406S � <P u00B1 � Ru0455Su0402R PI Ru0457R" P � Ru0405Ru03BC Ru0457Su0402Ru03BCRu0491R "Ru0455R u00B6 Ru03BCRu0405ReSu040F Su0403Ru0454ReRu0491Ru0454Re. P 'Ru045AReRu0405S "ReRu0405Ru03BC Ru0457Ru0455R" P � � Ru0456R Su040BS,, C u2021 C, the PS Su0403R � � Ru0458Ru0455Su0453Ru0457Su0402R Ru0406R "Ru03BCRu0405ReSu040F P" ft C u2021 u20AC Ru03BC Ru0405R � F � Su040BS,, Ru0454R � Ru0454ReRu0458 Su0403Ru03BCRu0458Su040ASu040FRu0458 Ru0491R � Ru0406R � C, Su040A Su0403Ru0454ReRu0491Ru0454Re. P 'Su040CS, Ru0455Ru0458 Su0403Ru0455Ru0458Ru0405Ru03BCRu0406R � Ru03BCS, Su0403Su040F Su040CRu0454Ru0455Ru0405Ru0455Ru0458ReSu0403S, Swedbank Ru045AR � Su0402S, ReRu0405Su040AS u20AC Ru0459R � F � P � Ru0454Su0403.
In "R'S <P" the PS P u00B1 C <Ru0405R � ReRu0406Ru0405S <Cosmosblack Ru0405R � Ru0491Ru03BCSu040FS, Su040ASu0403Su040F, C u2021 C, the PS Su0403R � � Ru0458Ru0455Su0453Ru0457Su0402R Ru0406R "Ru03BCRu0405ReSu040F P u00B1 Su0453Ru0491Su0453S, Ru0455S Ru03BCRu0405Su040A u2021 P � Ru0456Su0402Ru03BCSu0403Su0403ReRu0406Ru0405S <Ru0458Re PI Ru0457Ru0455Ru0406S <From u20AC Ru03BCRu0405ReRe Ru0405R � P "Ru0455Ru0456R Ru0405R � � u00B6 Ru0405Ru03BCRu0491Ru0406ReR ReRu0458Ru0455Su0403S, Su040A.
R'Su0402Su040FRu0491 P "Re Su0402Su0453Ru0454Ru0455Ru0406Ru0455Ru0491ReS, Ru03BCR" Re Su0403R � � Ru0458Ru0455Su0453Ru0457Su0402R Ru0406R "Ru03BCRu0405ReR u2116, Su0453R" C <P u00B1 P � Su040FSu0403Su040A, Ru0457Ru0455R number Ru0491Su0453S, Ru0454 Su0403Ru0406Ru0455ReRu0458 Su0403Ru0455Su0403Ru03BCRu0491Su040FRu0458 Re Su0403Ru0454R � u00D0 u00B6 ft: In "Ru045AS <C , Ru03BCR u00B1 Ru03BC Ru0457Ru0455Ru0406S <Su0403ReRu0458 Ru0405R � P "Ru0455Ru0456 Ru0405R � u00B6 Ru0405Ru03BCRu0491Ru0406ReR ReRu0458Ru0455Su0403S, Su040A Re, Ru0405R � Ru0491Ru03BCRu03BCRu0458Su0403Su040F, Ru0405R � Su0403R" Ru03BCRu0491Su0453Su040BS u2030 res … Ru0406S <P u00B1 Ru0455Su0402R � C … C, C <P � P � Ru0458Ru03BCRu0405Su040F Ru0457Su0402Ru0455Ru0456Ru0455R "Ru0455Su0403Su0453Ru03BCS Su040AV u20AC" u00E2 u20AC "Ru0456Ru0455Ru0406Ru0455Su0402ReS, Ru0459R � F � P � Ru0454Su0403. Ru045BRu0405 Su0403Ru0455Ru0406Ru03BCS, Su0453Ru03BCS, Ru0405R � P "Ru0455Ru0456 Ru0457Ru0455Ru0406S <Su0403ReS, Su040A Ru0405R � � Ru0456Ru0455Su0403Su0453Ru0491R Su0402Su0403S, Ru0406Ru03BCRu0405Ru0405Ru0455Ru0458 Su0453Su0402Ru0455Ru0406Ru0405Ru03BC, Fe, S, Ru0455Ru0456Ru0491R � In" Su0403R � � Ru0458Ru0455Su0453Ru0457Su0402R Ru0406R "Ru03BCRu0405ReSu040F Su0403Ru0458Ru0455Ru0456Su0453S, Su0402Ru03BCS u20AC P � C, Su040A, Ru0454Ru0455Ru0458Su0453 Su0403Ru0405ReR u00B6 F � C, � F Su040A Ru0405R "Ru0455Ru0456Ru0455Ru0406Su0453Su040B ft � F Ru0406Ru0454Su0453V."
P 'Ru0455Ru0491ReRu0405 pep � Su0403Ru03BCRu0405S, Su040FR u00B1 Su0402Su040ASu0403Ru0454ReS … Su0402R � F u00B1 u2021 Ru0455S rest … Ru0491Ru0405Ru03BCR number Ru03BCRu0406R � F, Ru0458R � Ru0458R � C u2021 Ru03BCS, C <Su0402Ru03BCS … Ru0491Ru03BCS, Ru03BCR u2116, Ru0405Ru03BC Su0403Ru0458Ru0455Ru0456R "P � � P Ru0405R number C, D PI Ru0458R Ru0456R � � � F ReRu0405Ru03BC PI P | Ru03BCSu0403Ru0406R � F number Ru0405Ru03BC Ru0454ReSu0403R" Ru0455Ru0458Ru0455R "Ru0455S u2021 Ru0405Ru0455Ru03BC pep � Ru0491Ru03BCR "ReRu03BC (Ru0405R P � � P" Ru0455Ru0456 Su0403Ru0458Ru03BCS, P � Ru0405S <. u00E2 u20AC "Ru045FSu0402ReRu0458. Su0402Ru03BCRu0491.) Ru0458Ru03BCSu0403S, Ru0405Ru0455Ru0456Ru0455 Ru0457Su0402Ru0455ReR � Ru0406Ru0455Ru0491ReS, Ru03BCR" Su040F Cesvaines piena. Ru045FSu0402Ru0455Ru0491R Ru0406S � u2020 u2030 RES Ru0457Ru0455Su040FSu0403Ru0405ReR P � "P �, C u2021 C, the PS Ru0457Su0402Ru0455Ru0491Su0453Ru0454S, Su0453R u00B6 Ru03BC Ru0454Ru0455Ru03BC-Ru0454R � C, the PS Ru0406Su0402Ru03BCRu0458Su040F Ru0405Ru03BC Ru0457Su0402Ru0455ReR � Ru0406Ru0455Ru0491ReS, Su0403Su040F.
In "Ru045ER � Ru0454 Su040CS, the PS Re Ru0457Su0402Ru0455ReSu0403S … Ru0455Ru0491ReS,: Ru0457Su0402Ru0455Ru0491Su0453Ru0454S, C <Ru0457Su0402Ru0455Ru0457R � � Ru0491R Su040BS, and P" Su040BRu0491Ru03BCR number u00E2 u20AC "Su0453Ru0406Ru0455R" Su040ARu0405Su040FSu040BS,.
Ru045CRu03BC ft ReRu0458Su0453R "ReSu0402Su0453Ru03BCS, Su0403Su040F Ru0457Su0402Ru0455ReR � Ru0406Ru0455Ru0491Su0403S, Ru0406Ru0455, Ru0405R � Ru0454Ru0455S, Ru0455Su0402Ru0455Ru0458 Ru0458Ru03BCSu0403S, Ru0405S <u00D0 u00B6 Ru03BC RES, Ru03BCR" Re Ru0458Ru0455Ru0456R "Re P u00B1 C <Su0402R � F u00B1 Ru0455S, P � C, Su040A, u00E2 u20AC "Ru0455S, Ru0406Ru03BCS u2021 P � Ru03BCS, P Ru03BCRu0406R � � Ru0405R Ru0406Ru0455Ru0457Su0402Ru0455Su0403, P � P � u2021 Ru0454Ru0455Ru0405S PEP" Su0403Su040F P "Re Ru0454Su0402ReR � ReSu0403. u00E2 u20AC "P 'Su0403Ru03BCR" Ru03BC Su040CS, the PS (Ru0454Ru0455Ru0405Ru03BCS u2020 Ru0454Su0402ReR � ReSu0403R �) P � F u00B1 Su0403Ru0455R "Su040BS, Ru0405Ru0455 Ru0405Ru03BC Ru0455S ft u2030 u2030 P � Ru03BCS, Su0403Su040FV."
P-PEP � Ru0405Su040A Su0403Ru03BCRu0458Su040ARe Ru0452Ru0457S "Ru03BCR" P u00B1 Ru03BCSu0402Ru0456Su0403Ru0455Ru0406 PI Ru0457Ru0455Su0403R "Ru03BCRu0491Ru0405ReRu03BC Ru0491Ru03BCSu0403Su040FS, Su040A P" Ru03BCS, Su0403Su0453S u2030 Ru03BCSu0403S, Ru0406Ru03BCRu0405Ru0405Ru0455 Ru0405Ru03BC Ru0458Ru03BCRu0405Su040FR "P � Su0403Su040A, Ryo Ru0455Ru0405Re Ru0405Ru03BC Ru0406ReRu0491Su040FS, Ru0457Su0402ReS u2021 ReRu0405 Ru0491R" Su040F pep � Ru0458Ru03BCRu0405Ru03BCRu0405ReR number PI P u00B1 u2030 Su0453Ru0491Su0453S Ru03BCRu0458. Ru045FSu0402Ru0455Ru0406Ru0455R � Ru0456R "P � C Ru03BCRu0405Ru0405S u20AC <Ru03BC Ru0457Su0402R � Ru0406ReS, Ru03BCR" Su040ASu0403S, Ru0406Ru0455Ru0458 Ru0455R Ru03BCS u2030 u00B1 R � Ru0405ReSu040F Ru0455Ru0454R � F � C <Ru0406R � C, Su040A Ru0457Ru0455Ru0491Ru0491Ru03BCSu0402R u00B6 Ru0454Su0453 Ru0458Ru0405Ru0455Ru0456Ru0455Ru0491Ru03BCS, Ru0405S <Cosmosblack Su0403Ru03BCRu0458Su040ASu040FRu0458 rest … Ru0405Ru03BC Ru0454R � � Su0403R Su040BS, Su0403Su040F. Ru040ERu0454ReRu0491Ru0454Re Ru0405R Ru0405R � � P "Ru0455Ru0456 Ru0405R � u00B6 Ru0405Ru03BCRu0491Ru0406ReR ReRu0458Ru0455Su0403S, Su040A Ru0455Ru0405Re Ru0405Ru03BC Ru0455S ft u2030 u2030 Su040BS � F,, C, P Ru0454 � u00D0 u00B6 Ru03BC Ru0454R � Ru0454 R
u0457Ru0455Ru0406S Re <C u20AC Ru03BCRu0405ReRu03BC Ru0405Ru03BCRu0455R u00B1 P" P � Ru0456R Ru03BCRu0458Ru0455Ru0456Ru0455 Ru0458ReRu0405ReRu0458Su0453Ru0458R � � � P � P PEP u2020 u00B6 Ru0491ReRu0406Ru03BCRu0405S Ru03BCRu0406. PC Re Ru0405R � P "Ru0455Ru0456Ru0455Ru0406S <Ru03BC pep � Ru0458Ru03BCRu0405Ru03BCRu0405ReSu040F Ru0457Ru0455S u2021 Su0453Ru0406Su0403S, Ru0406Su0453Ru03BCS, Su0403Ru03BCRu0458Su040ASu040F R Ru0405Ru03BCSu0403Ru03BC PEP" Ru03BCSu0403Ru03BCSu0402Ru03BC. RRu0454Su0403-Ru0457Ru0455R "PEC, ReRu0454 Ru0405Ru03BC P � P � C … Ru0455S, Ru03BCR" P � Ru0457Ru0455Ru0491Ru03BCR "PEC, Su040ASu0403Su040F Su0403Ru0406Ru0455ReRu0458 Ru0458Ru0405Ru03BCRu0405ReRu03BCRu0458 the PS Su0403Ru0455S PEP u2020 � P" � Su040ARu0405Ru0455Ru0458 Ru0405Ru03BCSu0402R Ru0406Ru03BCRu0405Su0403S, Ru0406Ru03BC PI ft Su0402R � Ru0405Ru03BC: In "Cosmosblack Ru0458Ru03BCRu0405Su040F C, P � Ru0454Ru0455Ru03BC Ru0455S ft u2030 u2030 Ru03BCRu0405ReRu03BC, C u2021 C, the PS Ru0454R � u00D0 u00B6 Ru0491Ru0455Ru03BC Ru0458Ru0455Ru03BC Su0403R "Ru0455Ru0406Ru0455 Ru0457Ru0455Ru0406Ru03BCSu0402Ru0405Su0453S, Ru0457Su0402Ru0455S, ReRu0406 Ru0458Ru03BCRu0405Su040FV."
P 'Su0403Ru0406Ru0455Su040B Ru0455S u2021 Ru03BCSu0402Ru03BCRu0491Su040A Ru03BCRu0406R � F Ru0452Ru0457S "Ru03BCR" Ru03BCSu0402Ru0456R � F u00B1 u2021 ft res, P � Ru03BCS,, C u2021 C, the PS Ru0455R u00B1 Su040CS, Ru0455R number Ru0457Su0402Ru0455R u00B1 R "Ru03BCRu0458Ru03BC Ru0456Ru0455Ru0406Ru0455Su0402ReS, Su040A Ru0405Su0453R u00B6 Ru0405Ru0455. Ru045BRu0405Re Su0403 Ru0458Su0453R u00B6 Ru03BCRu0458 Ru045AR � Su0402ReSu0403Ru0455Ru0458 Ru0405Ru03BC Su0453Ru0458Ru03BCSu040BS, Su0402R � u00B6 Su0403Su0403Su0453R Ru0491R � C, the PS Su040A Ru0405R � P "Ru0455Ru0456R � C … D Ru0405Ru03BC Ru0457Su0402Ru0455Su0403Su040FS, P u00B1 Ru0455R" Su040AS u20AC Ru03BC Ru0491Ru03BCRu0405Ru03BCRu0456 Ru0405R � u00B1 Ru0457Ru0455Su0403Ru0455R ReSu040F. P u2022 Ru0491ReRu0405Su0403S, Ru0406Ru03BCRu0405Ru0405Ru0455Ru03BC, C u2021 Ru03BCRu0458 Ru03BCR number Ru0458Ru0455Ru0456R "the PS P u00B1 C <u2021 Ru0457Ru0455Ru0458Ru0455S Su040A Ru0456Ru0455Su0403Su0453Ru0491R � Su0402Su0403S, Ru0406Ru0455 u00E2 u20AC" Ru0491R � C, � F Su040A Su0402R u00B1 Ru0455S, Su0453. Ru045FSu0402R Ru0406Ru0491R � �, Su0403Ru03BCRu0458Su040ASu040F Ru0452Ru0457S "Ru03BCR" P u00B1 R u00B1 Ru03BCSu0402Ru0456Su0403Ru0455Ru0406 Ru0455R "Su040AS u20AC Ru03BC Ru0405Ru03BC Ru0406Ru03BCSu0402ReS, C, C u2021, Su040CS the PS, the PS Ru0458Ru0455R u00B6 Ru03BCS, Ru0457Su0402Ru0455ReR � Ru0455R number C Re. Ru045BRu0405Re u00E2 u20AC "With … Su0402ReSu0403S, PEP � Ru0405Ru03BC, Re PI C Su0402Su0453Ru0491Ru0405S <Ru03BC Ru0458Ru0455Ru0458Ru03BCRu0405S, C <Ru0457Ru0455R" P � � Ru0456R Su040BS, Su0403Su040F Ru0405R R'Ru0455Ru0456R � � � D Ru0457R ft Ru0406Su0453, P � � Ru0405Ru03BC Ru0405R Ru0456Ru0455Su0403Su0453Ru0491R � Su0402Su0403S, Ru0406Ru0455.
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