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Criminal fiction, or how to steal 700 million cash. SEPTEMBER 29TH instruction, 2014

Do you know how to steal billions of rubles in Russia in Russia? And what would anything anything for it? Do not know? So, it turns out, it is done very easily and naturally, and everyone diverges happy and rich. But let's see how the process itself is fascinating.

Remember, on April 21, 2014, the Bank of Russia decided to withdraw the license to implement banking operations OJSC "Bank" West "? That very, which occupied the 142nd place in Russia by assets, had 367 thousand customers, and the volume of deposits reached 23 billion rubles. License withdrawn for " substantial unreliability of the bank's reporting and violations identified during verification».

And everything seems to be quiet - the bank died, they all sneak, no more money. And then there is a bad question: And after all, where is the money? After all, they, these money, were, and not enough, and then some magically disappeared. But according to the laws of physics, nothing on earth passes without a trace - somewhere loss, and somewhere arrived. And it seems, now it becomes clear how "quietly decreased" and how much. The amounts are rapidly, and the documents represent the most real criminal fiction.

So, for example, have you ever seen a bank loan agreement with a private person in the amount of 701 million rubles? Moreover, a loan for such considerable money (at the rate on the day of issue - it is 20 million US dollars) does not provide for any pledges, guarantees, confirmation and other. The bank simply gives 701 million without any return, and the client receives money in cash and says Thank you. Say that this does not happen? I thought so too, but this very contract. Moreover, in just five months (!!!) prisonered before the license is reviewed by the West Bank:

And maybe a happy recipient of millions "for just so" didn't get them? Well, there are some bank standards and rules? Alas, it turns out that there was no rules in the Western bank before the most bankruptcy, and there was a great desire to dissolve millions of dollars in their own pockets, but as soon as possible. Here is no less awesome document - expendable cash Order No. 8593 of October 11, 2013, according to which the happy owner of a Darm credit Citizen Karpenko Nikolai Viktorovich receives cash (!!!) at the bank's office ... 638 million rubles:

Do you imagine how much 638 million rubles in cash weigh? If not, I inform you - the weight of such a sum in five thousandth bills (!!!) is 130 kilograms. And the load of 1,276 bank packs of 100 bills in each will have to carry a small truck. Not slave?

And then the most interesting happens. On April 21, 2014, the West Bank responds the license, and Carpenko's citizen Nikolai Viktorovich immediately declares that nothing about a loan is 701 million rubles, it does not know any money. And then a very amazing document "Decision on the recognition of Karpenko N.V. appears. The victim ", dated (pay attention to this date !!!) April 25, 2014, That is, four days after answered the license from the bank. Promptly, however.

And now carefully read the text of the resolution dated April 25, 2014: « Criminal case 362991 was initiated by 1 department of SU according to ROPD of the Ministry of Internal Affairs of the Ministry of Internal Affairs of Russia in Moscow April 28, 2014 (!!! Three days after writing this letter. Time machine, however. Auth.) in the signs of the crime, provided for by part 4 of Article 169 of the Criminal Code of the Russian Federation in relation to unidentified persons.

In preliminary investigation installed, what in unidentified time unidentified Persons from among employees of CJSC "Bank" West ", Deetvia on behalf of Karpenko, listed to the account (Personal account is specified Karpenko. Avt.) 701,000,000 rubles, indicating the purpose of payment "Credit issuance", and then from October 11, 2013 to February 10, 2014 unidentified Persons who are in the premises of the Bank "West" received cash in the amount of 700 584 985 rubles».

And now apotheosis! The investigator reports: " In fact, Karpenko did not conclude a loan agreement for $ 701,000,000 rubles, did not receive money. Decide to recognize Karpenko N. V. The victim ».

This strange document:

Such so happiness! 700 million rubles in cash disappear in an unknown direction, and a few months before the license of the Bank, and the valiant consequence for literally few days, finds out that the recipient of the mysterious loan Carenko is innocent, since " did not conclude», « did not receive", and generally speaking, " knew nothing" And almost a billion stole some unspecified bank employees into an unidentified time. And none of the bank's leadership turns out to be noted. Both at the time of the loan and during the review of the license.

And soon there are also handwriting examinations performed by experts of the ECC Ministry of Internal Affairs, where, "having studied the signature samples of a citizen Karpenko," they come to the conclusion that the signatures "were not carpenko, but by another person, with the imitation of Karpenko's signature." In how! That is, no one is not guilty. And the money disappeared. Accurate before bankruptcy of the bank.

See for yourself:

And now the final chord. We look at the list of shareholders of the Bank "West" as of April 2014, that is, at the time of the license revocation.

Temkin Mark Anatolyevich - 22,4033%, Tarasov Anton Yuryevich - 19,9735%, Semaho Vladimir Vladimirovich - 9,9923%, Nerzina Vera Nikolaevna - 9,9923%, Javkunov Sergey Dmitrievich - 9,9287%, Ridge Viktor Nikolaevich - 9 , 2526%, Mironenko Grigory Aleksandrovich - 7,3847%, Khalidov Magomed Aindynovich - 1,0183%, Egorov Oleg Aleksandrovich - 0.1%. Until April 2, Alexander Grigoriev also listed the owner of 19.98% of the shares. But this is not all, and now attention!

Another 9.9542% of the bank's shares of "West belonged to some ... Karpenko Nikolay Viktorovich ! Yes, yes, the one who disappeared the disappeared non-tax loan for the amount of more than 700 million rubles. Moreover, recently, he owned the shares of the "Western" not just like that, and through the offshore and some LLC. The names of these firms are also available at my disposal.

In addition, Nikolay Karpenko is repeatedly mentioned as a major shareholder of the Bank "Western" and in other official sources of RBC, RIA, banks.ru, etc.

It turns out an exciting picture. Keep your hands. Five months before the license with the "Western", the decision of the Bank's leadership (it is clear that loans of this size goes only by decision of the Board of Directors and Management) a giant loan is issued by more than 20 million dollars (701 million rubles) addressed to one of major shareholders Bank (Karpenko N.V.). The loan was " someone", Unknown consequence, quickly obtained in cash in cash.

Further. After the license revocation and in the course of the bankruptcy procedure of the "Western" Karpenko declares that nothing knows about the super-credit, did not receive any money, the loan did not ask for signatures, both at the contract and at the receiving warrants, it turns out fake. The local police department immediately performs the expertise immediately and confirms that the signatures are do not belong to Karpenko and forged, even recognizing the citizen of Karpenko to the victims. Moreover, paper dated for some reason before the criminal case was initiated !!!

Amazing! According to the official and very funny version, it turns out: someone unknown, introducing himself to the major shareholder of the Bank Nikolai Karpenko (who should even know in person), receives a huge cash loan (without any guarantees and documents !!!) and takes it from the cash register " Western "in eight or there in ten suitcases. And then no one knows anything about it. Accountants and cashiers did not notice anything. The camcorder did not record anything. Servers disappeared somewhere. And money simply was dissolved. The leadership and shareholders of the Bank do not know anything about this and are nicely smiling, shrugging.

And now questions. Does the remaining 8 shareholders did not know that almost a billion loan was received in the name of their colleagues? Can I give out such money in cash without any guarantees and documents? Relatively recently replaced management of the bank could not dial the number of Karpenko and ask "Dear Nikolai Viktorovich! Here you hang a loan of 700 million. How did you get it and when will you give? And then here the license responds. " Are there any traces of 700 million stolen before the bankruptcy? And by the way, why such a large case on the predation of giant sums so in a quiet leading leads senior lieutenant from the Department of the District Investigation Department for UNWAI, and not the Investigation Committee Russian Federationwhich is obliged to engage in the largest fraud?

Yes, and another interesting barcode. The very citizen of Karpenko Nikolai Viktorovich, who was the shareholder of the West Bank and which was issued (and "someone" received) a loan of 700 million rubles, successfully worked at the high post of the chief executive officer " Uralsib Bank 121 "- the largest specialized banking division of the Financial Corporation URALSIB.

And then there is a continuation of history. It turns out that there is no little, the General Director of Uralsib-Capital, the General Director of Uralsib-Capital Temkin, Mark Anatolyevich, was also the largest shareholder of the West Bank (22.4%. See the list of shareholders). Moreover, until the review of the license. And, according to some data, a certain mysterious giant loan was also decorated on Techkin. But this is a separate story.

And another question arises. How did the "large financier" and the shareholder of the bank Mark Temkin managed not to know about a loan of 700 million rubles, decorated on his colleague on "Uralsib" and "Western" Karpenko? What are they not familiar with each other? Did not pay attention to billion loans in the bank, where were the shareholders? Somehow not really believed in it. Moreover, if you carefully read about what is engaged in Temkin Bank and at what level. The site of Uralsib Corporation is reported: " Since 2008, Mark Techkin leads all units investment business FC URALSIB (Excellence Department, Department of Distribution Operations, Department of Corporate Finance and Consulting, Business Maintenance Department, Management financial Analysis and management of analytical research), as well as supervises the activities of the company's offices in London and New York. Enters the board of directors of the RTS Stock Exchange" And whoever believes that specialists of this level knew nothing and did not see about what was happening in the West Bank, where were the shareholders? Somehow I can not believe it. And if, really, they did not know how everything described above could happen? Magic?

I personally does not cause any doubt that "someone" with the help of these mysterious loans stole billions of rubles in the bank "Western" and, having organized a review of the license, now a rapid bankrupt bank. Well, the ends into the water and everyone would eat in different directions. And I want to believe that the Investigation Committee of the Russian Federation will still pay its high attention to one of the largest fraud of our time.

To be continued.

How to steal a million - fraud methods

According to the National Consumer League \\ National Consumers League, in 2002 in the United States most often used next species Fraud:

Theft of information O. credit cardsglasses

Zhuliki, who received information about the personal data of the credit card owner, can pay it in online stores, take bank loans, rent housing, apply for benefits, etc.

Online stores and auctions

Scheme: Buyer pays money for the purchase in the online store, but or does not receive it, or receives goods in fewer or worse quality. The most popular appearance of the scaling on the Internet. According to the Internet Fraud Analysis Center \\80 Fraud Complaint Center, such crimes in 2002 amounted to 27% of the number of fixed crimes in the worldwide network.

Investments

The company offers to buy its shares or make private investments, promising significant profits. Usually to attract the victims, fraudsters operate with fake statistics and communicate obviously false information about the history or owners of the company.

Collect donation

Collection of donations is widespread in the United States. 90% of Americans sacrifice large or smaller amounts for various charitable goals. This uses crooks. They simply create a fake charitable organization that specializes in any kind and completely openly collect donations. The only difference from ordinary charitable funds is that the money makes the rogues.

Restoration credit history

Almost every resident of the United States and each company possess their credit history - the chronicle of receipt and repayment of loans. In the US, there are several independent credit bureaus that track the credit history of Americans, exchange information and act absolutely independently both from each other and from third-party firms and organizations. It is impossible to influence their actions. Many Americans are not able to carry a loan burden, and their credit history deteriorates, which makes it impossible to buy a house, cars, etc., since banks do not want to contact the unreliable borrower. Zhuliki is offered for a modest "Improve" credit history - naturally, these promises are not executed because they cannot be fulfilled in principle.

Debt repayment

In time, non-refundable loans and unpaid accounts are considered the personal duty of the US resident. Frequently often a person is not able to pay all his accounts. Yoliki use it: they offer the following scheme: their company independently pays the accounts of the US resident and achieves serious discounts from creditors, and the victim compensates for the company's costs. In reality, the rogues only receive money from their victims.

Job offer

Zhuliki offer profitable work at home. However, the victim is accounted for by robbing prices to pay the supplied consumables, to make a warranty or entrance fee or work part of the time for free as a trial.

Insurance

Insurance Company offers record low rates for their services. In fact, or this company exists only on paper, or it lays such conditions to the contract with the client that make it impossible to obtain insurance compensation.

Preferential loans

Individuals often offer preferential loans. However, to obtain such a loan, the crooks require a certain entrance fee (for example, to get a loan of $ 100, the victim pays $ 150) or laid in the contract robber interest.

"Nigerian letters"

The recipient of the letter is invited to participate in the Nigerian (Ganskoye, Libyan, Congolese, Mozambique, etc.) of the Bank to the US Bank of several million dollars belonging to the heirs of African presidents, ministers, dictators, kings, etc. For your help, the recipient should get a quarter or a third of the translated amount. However, to demonstrate the purity of intentions, the victim is proposed to translate several thousand dollars to the account of the rogues. Back in 2001, Nigerian letters believed 15.5% of victims of online fraudsters, in 2002 the number of victims dropped sharply - up to 1%.

Financial "Pyramids"

This scheme is widely known and for the first time several hundred years ago. However, still financial "pyramids" attract victims. The latter of the collapsed in the US "Pyramids" attracted funds 7 thousand people, each of which lost about $ 3 thousand.

Taxes

Sometimes residents of the United States do not have time to submit tax Declaration. Scammers propose to enact data about the delivery time of the Declaration in tax Services And thus avoid trouble.

Telephone communications

The victim is invited to call the telephone number, where a minute of conversation costs huge money. Minor telephone companies are also resorting to fraud: they set their accounts to accounts where services are included (for example, voice mail), which the client has not ordered.

Tourism

Zhuliki or unfair businessmen sell tours or tickets to hotels, real conditions in which are significantly inferior to advertising. For example, instead of a five-star hotel, the sacrifice of Zhulikov turns out to be three meters away.

Revolutionary method of deliverance from excess weight

Advertising promises to get rid of excess weight for days or weeks when using a new miraculous drug or diet. At best, the victim will become the owner of a useless product, in worst - health will be at risk.

It happened that I urgently needed money, not on nonsense - a car seriously broke, from which all my earnings depended. And we recently took a mortgage and all savings went to the fee. I had to sit down and very seriously lay down, where to take money, and better - free. The situation clearly demanded non-standard solutions, because the relatives also helped as he could. I just sat down and discharged all the options on a sheet that two evenings pondered.

Where to get money free and urgently:

• Win in the lottery (the guarantee of success is zero, you can spend on tickets last and not one will "shoot").
• Borrow (but we already lent the family to the apartment).
• Ask for an unfamiliar people, they will find good people, especially with return. But at special sites, money is collected for months to a specific noble goal, treatment, launch of products.
• Pawnshop. You can lay values, but what?
• Credit. We already had one loan, we have confirmed it for three months and the chances that we will be given another, they sought to zero.
• Microloam. But confused the conditions.
• Earn. But ways to quickly earn so much money legal way For three days I did not find, except on the Internet. There was no real estate for rental.
• Receive state subsidies And money on business development.
• Competent use of a credit card.
• Sites of free ads: Sell unnecessary things.

Always the most reliable way to solve a sudden financial problem Will take debt among relatives or friends (and then work out on the second job or "sables", not afraid that they can not pay in time). But after all, Rodney's pockets are not bottomless, and talk about the pros and cons. Who has a reliable relatives and such an opportunity, other ways and will not seek. As a result, Lombard appeared a very attractive option, the more risks practically no.

What is the benefit of contacting Lombard:

• From the documents only a passport is needed.
• The loan is made very quickly.
• Pretty large credit limit, up to 600 thousand rubles.
• A large range of property that can be laid (usually jewelry, cars, gadgets, even a fur coat).

But all these advantages are crossed by one minus - and you have something to lay? With an inexpensive wedding ring, profits will be no more than a thousand rubles that will not solve the problem. The car is needed for movement, and the fur coat should be new ...

How much I changed my mind, but in all the options weathered weaknesses. The most realistic eventually turned out to be a microloan in some proven organization. It would be more logical to make a loan in a bank, no secret to anyone, that even the "greedy" bank gives amounts for a long time under a smaller percentage. But the trouble is there a lot of conditions.

List of conditions for obtaining a loan in a bank:

• Have a stable income and documents to confirm it. That is, a certificate of stable income for a minimum for six months. Not suitable for those who recently changed work gets minimal official salary, and the rest - in the envelope. In fact, a good half of the people does not satisfy this simple bank condition.
• Need a guarantor. It is not very smiling to look for a person who will guide how to pay for you debts to the bank if something happens to you.
• Good credit history. At the same time, if you needed money for the first time and there was no credit history in life, it is rather minus than plus. Credit will rather give those who bought a washing machine not immediately to the accumulated funds, and the year paid money for it credit Treatydecorated right in the store.
• Pledge. If the certificate of salary is not enough, it may be necessary to lay a house or car, and it is impossible to lay property for which the loan has not yet been paid.

But to be mistaken in the fact that in the delay of payments, the bank will behave civilized, not worth it. Banks are very actively cooperating with collectors, and since customers have a stream for stream, to delve into your personal complex situation No one will be. So with debtors everywhere conversation short.

As a result, my wife and I came back to the microloan - there are risks, but at least the scheme is clear, and get money real. To do this, specially checked reviews on the Internet, to judge, by the way, you need not for good reviews, but by the number of bad. Good everyone can write, but bad - only a upset client.

Microloge arguments:

• Money is issued immediately, no checks and regular trips to the bank, how to work.
• Money can be obtained immediately on the map by filling out the application via the Internet.
• You do not have to strain your friends and relatives to your problems.
• No need to confirm your property to help, explain why money needs.
• No need to search for guarantors.

Not everything, of course, so flawlessly. Interest here is higher than banking, but this is a forced fee for the efficiency and ease of receipt of money. If we relate to the loan responsibly, everything will take place exactly as in the bank.

There are two main rules that should be adhere to if you take a quick loan.

1. Always clearly know what amount is needed. Never take "for a round account" twenty thousand instead of fifteen. Non-target money will be broken down by little things, and interest with them will be accrued and increasing the amount of the final return. It is better to carry and take the amount clearly necessary to the sharp need.

2. Return on time. No collector agencies It will not be hunted for you to hunt, it is necessary to overdue the payment for a week or two, but for the delay it is completely logical to charge additional interest, and this is already a completely unreasonable overpayment.

Make money online

The Internet allows you to quickly earn the necessary amount without leaving the house, however, to achieve the desired one, you will have to make certain efforts, and this is the most difficult.

Among the most popular methods of earnings:

• Partnership programs. You advertise a stipulated product or service, and if they are interested in users - get a certain percentage.
• Video blocks. Share with the world with your ideas or talents - the reviews of toys or popular online games are especially popular. On average, one review pays up to 5,000 rubles.
• Likes, comments, reposities. Many communities in social networks offer remuneration above. If desired, in just a day you can get an additional income - just perform the work plan.

State subsidies and money on business development

Oddly enough, first of all it is worth contacting the state. Now the legislation provides for a number of opportunities for those who wish to get financial assistance. You can get up on the labor exchange, or register as individual entrepreneur, make a business plan and ask for money from the state to business development.

Sell \u200b\u200bunnecessary things on free classifieds

It is best not to spend time on all sites, and use the most popular, for example: AVITO.ru

Proper use of a credit card

This idea is based on the competent use of bonuses and a grace period. Most banks offer their customers additional benefits - paying out in stores, you can get a certain percentage of each purchase on a bonus account.

And when using money on the map acts grace period - pay off debt over a certain time. Accordingly, if you pay the card and make a spent amount spent for 30-50 days, then the percentages are not accrued. But the bonuses will be available on the account - if you do not remove them for a long period of time, then a decent amount can be accumulated, which will be available absolutely free. Money is always available - you can spend them anything, and you do not have to give.

The dream get a lot of money without refund lives in each, but if you do not have a rich lonely uncle, this dream is not destined to come true. She also did not come true, but without the inheritance fell from the sky. The benefit of the options to get out of the complex financial situation, a dozen. The main thing is to weigh everything and against your specific situation.

If you know more ways to get money without refund, and urgently write in the comments! Below.

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Everyone wants to have a lot of money. But how to be if your parents are not oligarchs? You can, of course, work a lot, make a career, and someday, to the retirement age, if you're lucky, save a million. But the simplest and fast way Finding a lot of money - just steal them. But do not wear a mask and go robbing the bank, risking life (and to steal with this method will work out a bit), and use high technology for this. In other words, become a hacker. Moreover, there are inspirational examples.

Operation "Rewinding or Melci"

This is how the american hacker Albert Gonzalez organized by him theft of the century. From 9 years he began to study programming, and at 13 - hacked the Government of India, first acquainted with the FBI. Despite the fact that in the future, on any illegal activity, he came across repeatedly, to live, observing the law, he was completely uninteresting. Therefore, in 2005, having gathered his team in which the 3rd person attracted, Gonzalez decided to get rich in a large one.

The main criminal scheme invented by him began theft of money from credit cards. Gonzalez Group used several techniques for this. Starting with theft of credit cards from networks of American stores, they introduced spyware to the central server of the trading company. The scope of the data theges was huge - the data more than 170 million credit cards were stolen. Not physically able to independently remove all the money with credit cards, the Gonzalez group resold in bulk their data, including hackers from Russia and Ukraine. In total, according to FBI calculations, from 2005 to 2008, Gonzalez stole about $ 400 million. Having so much money and not knowing where to make them, hackers spent their right and left. For example, one party Gonzalez once spent 75 thousand dollars.

Hackers Albert Gonzalez (Right) and Stephen Watt have fun in the New York Hotel

What is especially interesting, during the commission of these large-scale theft, Gonzalez was listed by an employee of the US secret service and his bosses did not know about anything.

In the end, the FBI still came to the trail of the group and slept Gonzalez. A talented hacker was arrested and received 20 years in prison. Read more the whole story can be read.

The arrest of Gonzalez, however, did not coordinate the fervor of other hackers. A group of hackers from Russia and Ukraine continued his business. Until 2013, four citizen of Russia and a citizen of Ukraine stole the data of another 160 million credit cards and awarded more than $ 300 million. The group managed to hack servers of famous American corporations, retail chains and even New York stock Exchange NASDAQ. However, our hackers were lucky. Two of them, however, still fell into the PBR paws, but the rest are still wanted.

Each owner plastic card I heard a hundred times that the PIN code should be kept safely and preservation, the room never give anyone and not to show, and the Plastic itself is to take care of the Zenitsa Oka.

We will not repeat such banal tips. Better talk about the most common ways of maps fraud. As it turns out, even a simple cash withdrawal in an ATM may result in deplorable. Therefore, it is better to know in advance about the possible tricks of chairs than one day because of the ignorance of them to part with their money.

Fashion first

Often, fraudsters use devices that, being installed on an ATM, help them get card information. It can be installed on the keyboard special "nozzles", which externally repeat the original buttons. In this case, the cardholder removes money from the account without any problems, but at the same time the fake keyboard remembers all the pressed keys - naturally, including the PIN code. Tip: Carefully read the keyboard of an unfamiliar ATM, before you remove money from the account, ITNews reports.

Method of the second

Another device is that the British are also called Lebanese Loops. These are plastic envelopes whose size is a bit more card size - they are laid in an ATM slot. The owner of the credit card is trying to make money, but the ATM cannot read the data from the magnetic strip. In addition, due to the design of the envelope, it is not possible to return the map. At this time, an attacker is suitable and says that literally a day ago with him the same thing happened! To return the map, you just need to enter a pin code and press twice on Cancel. The owner of the card tries, and, of course, nothing happens. He decides that the card remained in an ATM and goes, in order to contact the bank. The fraudster is calmly takes out a credit card along with the envelope with the help of unacceptrum-made means. Pin-code he already knows - the owner (now formerly) "plastic" himself introduced him in the presence of a furist. Warmer remains only to remove money from the account.

Method Third

Technically, it is difficult, but you can intercept the data that an ATM sends to the bank in order to make sure the requested amount of money in the account. For this, fraudsters need to connect to the corresponding cable, while not breaking it, and read the necessary data. Given that on the Internet, the relevant instructions are easily found in free access, and technical progress does not stand still, it can be argued: this option will meet more and more.

Four fashion

In order to learn the PIN code, some scams leave nearby a miniature video camera. They themselves at this time are in the nearest car with a laptop, on the screen of which are visible to the cards enter the owner. Introducing the PIN, cover the keyboard with a free hand.

Fifth method

Expensive, but faithful to all the way. There are cases when fraudsters put their own "ATM" in a crowded place. He, however, for some reason it does not work (can they surprise this?), Naturally, no money gives out - but successfully reads all the necessary data from the card. And then it turns out that yesterday you have already removed all the money from the account and for some reason you do not want to remember this!

Method of Six

At one time, fraudsters from the UAE were installed in holes for credit cards Special devices that remembered all data on the ATM card inserted into the ATM. An attackers remained only to high first and the first and fourth way described in the above and fourth, or tritely spying due to the shoulder. Well, I liked the southern man your ring, or your watch, or something else there ...

The seventh method

And finally, the seventh method. It is impossible to fight him. You can only come to terms. There is no longer depends on your care, caution or prudency. It just happens that the people who get to your credit cards and so very simple to get into collusion with fraudsters and are so simple: employees of banks, for example. This happens very rarely, but no one is insured against such cases.

And last. Do not doubt: Methods of the eighth, ninth, etc. also there. And they will appear increasingly and more often: demand, as you know, always gives rise to a sentence. And small genius and evils - things are very joint.