In this table you can see information on values of mandatory liqudity ratios set by the Central Bank of Russia (computed in accordance with CBR's Instruction 180-i). If data is available for more than 2 dates, dynamics chart is available (requires a flash-player).
We strive to represent all Russian banks' reports on our website which we believe would help to make Russian banking system more transparent. If your bank's reports are currently not present in our database, you can include our email info@kuap.ru into your monthly reports mailing list for counterparties or use report sending form to send us any reports.
 Dynamics of N2
Dynamics of LAM
Dynamics of N3
Dynamics of LAT
|
|||||
| Report date | N1 1) | N2 2) | N3 3) | N4 4) | Download source file |
| 1 May 2020 | 58,97% | 469,41% LAT = 506 498 OVT = 179 871 |
 2053_2020_05.135.zip |
||
| 1 April 2020 | 58,74% | 281,97% LAT = 141 067 OVT = 122 154 |
2053_2020_04.135.zip |
||
| 1 March 2020 | 55,97% | 294,64% LAT = 146 436 OVT = 123 926 |
2053_2020_03.135.zip |
||
| 1 February 2020 | 52,71% | 763,38% LAT = 585 470 OVT = 167 871 |
2053_2020_02.135.zip |
||
| 1 January 2020 | 53,47% | 191,86% LAT = 193 430 OVT = 257 163 |
2053_2020_01.135.zip |
||
| 1 December 2019 | 53,86% | 326,66% LAT = 168 971 OVT = 217 626 |
2053_2019_12.135.zip |
||
| 1 November 2019 | 47,59% | 841,18% LAT = 694 779 OVT = 272 692 |
2053_2019_11.135.zip |
||
| 1 October 2019 | 38,81% | 711,66% LAT = 602 455 OVT = 279 254 |
2053_2019_10.135.zip |
||
| 1 October 2019 | 38,81% | 711,66% LAT = 602 455 OVT = 279 254 |
2053_2019_10.135.zip |
||
| 1 September 2019 | 33,69% | 663,27% LAT = 490 188 OVT = 289 396 |
2053_2019_09.135.zip |
||
| 1 August 2019 | 31,10% | 617,24% LAT = 407 154 OVT = 314 544 |
2053_2019_08.135.zip |
||
| 1 July 2019 | 26,66% | 209,27% LAT = 790 615 OVT = 661 875 |
2053_2019_07.135.zip |
||
| 1 July 2019 | 26,66% | 209,27% LAT = 790 615 OVT = 661 875 |
2053_2019_07.135.zip |
||
| 1 June 2019 | 31,15% | 222,47% LAT = 621 394 OVT = 560 996 |
2053_2019_06.135.zip |
||
| 1 May 2019 | 31,19% | 297,95% LAT = 520 118 OVT = 418 961 |
2053_2019_05.135.zip |
||
| 1 April 2019 | 29,73% | 297,44% LAT = 658 607 OVT = 468 841 |
2053_2019_04.135.zip |
||
| 1 March 2019 | 29,72% | 300,25% LAT = 624 552 OVT = 454 381 |
2053_2019_03.135.zip |
||
| 1 February 2019 | 28,74% | 212,21% LAT = 678 681 OVT = 565 413 |
2053_2019_02.135.zip |
||
| 1 January 2019 | 29,66% | 219,15% LAT = 596 064 OVT = 516 300 |
2053_2019_01.135.zip |
||
| 1 December 2018 | 27,65% | 401,61% LAT = 512 561 OVT = 373 112 |
2053_2018_12.135.zip |
||
| 1 November 2018 | 26,56% | 335,03% LAT = 497 559 OVT = 390 805 |
2053_2018_11.135.zip |
||
| 1 October 2018 | 25,77% | 123,35% LAM = 176 027 OVM = 347 392 |
349,58% LAT = 440 118 OVT = 371 729 |
59,86% | 2053_2018_10.135.zip |
| 1 September 2018 | 25,56% | 132,53% LAM = 202 883 OVM = 357 898 |
298,90% LAT = 413 636 OVT = 384 382 |
61,26% | 2053_2018_09.135.zip |
| 1 August 2018 | 24,67% | 130,03% LAM = 184 849 OVM = 346 866 |
252,44% LAT = 382 014 OVT = 397 102 |
62,85% | 2053_2018_08.135.zip |
| 1 July 2018 | 24,78% | 197,39% LAM = 205 864 OVM = 312 126 |
296,34% LAT = 359 235 OVT = 363 494 |
63,83% | 2053_2018_07.135.zip |
| 1 June 2018 | 24,56% | 251,21% LAM = 193 653 OVM = 282 463 |
449,01% LAT = 295 113 OVT = 312 418 |
63,62% | 2053_2018_06.135.zip |
| 1 May 2018 | 24,01% | 500,95% LAM = 282 259 OVM = 306 834 |
213,79% LAT = 279 069 OVT = 337 848 |
63,42% | 2053_2018_05.135.zip |
| 1 April 2018 | 22,46% | 536,37% LAM = 313 593 OVM = 309 295 |
264,58% LAT = 411 622 OVT = 353 007 |
63,54% | 2053_2018_04.135.zip |
| 1 March 2018 | 22,03% | 483,98% LAM = 308 394 OVM = 314 638 |
236,74% LAT = 445 328 OVT = 378 478 |
58,35% | 2053_2018_03.135.zip |
| 1 February 2018 | 19,32% | 143,83% LAM = 132 709 OVM = 342 905 |
192,41% LAT = 466 669 OVT = 432 703 |
54,97% | 2053_2018_02.135.zip |
| 1 January 2018 | 18,51% | 53,19% LAM = 164 773 OVM = 560 813 |
108,08% LAT = 690 732 OVT = 828 867 |
54,18% | 2053_2018_01.135.zip |
| 1 December 2017 | 18,52% | 153,40% LAM = 193 369 OVM = 353 490 |
361,21% LAT = 693 391 OVT = 398 383 |
106,71% | 2053_2017_12.135.zip |
| 1 November 2017 | 18,40% | 193,69% LAM = 172 704 OVM = 316 975 |
417,32% LAT = 692 608 OVT = 372 061 |
94,43% | 2053_2017_11.135.zip |
| 1 October 2017 | 18,30% | 197,53% LAM = 200 658 OVM = 329 449 |
446,76% LAT = 749 600 OVT = 373 734 |
85,02% | 2053_2017_10.135.zip |
| 1 September 2017 | 19,22% | 194,31% LAM = 170 524 OVM = 316 155 |
583,07% LAT = 822 107 OVT = 346 782 |
78,50% | 2053_2017_09.135.zip |
| 1 August 2017 | 19,38% | 576,27% LAM = 547 990 OVM = 330 612 |
473,14% LAT = 876 894 OVT = 390 954 |
73,49% | 2053_2017_08.135.zip |
| 1 July 2017 | 19,33% | 142,22% LAM = 208 034 OVM = 331 084 |
435,80% LAT = 1 027 323 OVT = 437 801 |
60,05% | 2053_2017_07.135.zip |
| 1 June 2017 | 19,24% | 137,71% LAM = 192 269 OVM = 323 452 |
456,38% LAT = 877 680 OVT = 393 814 |
57,54% | 2053_2017_06.135.zip |
| 1 May 2017 | 18,31% | 199,41% LAM = 179 812 OVM = 273 575 |
519,98% LAT = 745 344 OVT = 344 066 |
84,69% | 2053_2017_05.135.zip |
| 1 April 2017 | 19,47% | 262,19% LAM = 189 686 OVM = 255 230 |
548,98% LAT = 773 667 OVT = 341 201 |
79,11% | 2053_2017_04.135.zip |
| 1 March 2017 | 18,59% | 262,47% LAM = 175 405 OVM = 249 495 |
583,90% LAT = 730 456 OVT = 325 113 |
77,16% | 2053_2017_03.135.zip |
| 1 February 2017 | 18,12% | 238,62% LAM = 174 740 OVM = 255 607 |
304,10% LAT = 688 273 OVT = 425 968 |
89,41% | 2053_2017_02.135.zip |
| 1 January 2017 | 17,99% | 115,59% LAM = 144 299 OVM = 306 388 |
220,34% LAT = 760 711 OVT = 544 829 |
72,25% | 2053_2017_01.135.zip |
| 1 December 2016 | 19,80% | 129,57% LAM = 203 783 OVM = 336 444 |
351,52% LAT = 756 765 OVT = 414 755 |
86,17% | 2053_2016_12.135.zip |
| 1 November 2016 | 19,43% | 77,04% LAM = 122 658 OVM = 337 307 |
471,72% LAT = 740 826 OVT = 355 709 |
88,37% | 2053_2016_11.135.zip |
| 1 October 2016 | 19,04% | 253,84% LAM = 422 896 OVM = 344 295 |
422,90% LAT = 857 841 OVT = 400 657 |
88,82% | 2053_2016_10.135.zip |
| 1 September 2016 | 18,59% | 194,94% LAM = 294 326 OVM = 328 104 |
505,97% LAT = 755 507 OVT = 346 412 |
88,11% | 2053_2016_09.135.zip |
| 1 August 2016 | 19,10% | 229,60% LAM = 157 828 OVM = 245 810 |
1 014,30% LAT = 611 948 OVT = 257 075 |
89,43% | 2053_2016_08.135.zip |
| 1 July 2016 | 18,89% | 140,48% LAM = 129 337 OVM = 287 658 |
386,57% LAT = 720 544 OVT = 395 089 |
86,05% | 2053_2016_07.135.zip |
| 1 June 2016 | 17,98% | 172,14% LAM = 117 284 OVM = 263 628 |
518,71% LAT = 743 359 OVT = 352 010 |
82,69% | 2053_2016_06.135.zip |
| 1 May 2016 | 18,19% | 251,69% LAM = 151 674 OVM = 256 795 |
932,41% LAT = 731 959 OVT = 287 491 |
75,90% | 2053_2016_05.135.zip |
| 1 April 2016 | 18,03% | 200,62% LAM = 139 576 OVM = 264 883 |
730,68% LAT = 675 234 OVT = 301 526 |
77,65% | 2053_2016_04.135.zip |
| 1 March 2016 | 17,61% | 216,17% LAM = 107 904 OVM = 245 603 |
788,38% LAT = 590 056 OVT = 284 072 |
82,64% | 2053_2016_03.135.zip |
| 1 February 2016 | 17,13% | 127,68% LAM = 129 097 OVM = 297 671 |
476,77% LAT = 571 581 OVT = 335 293 |
66,27% | 2053_2016_02.135.zip |
| 1 January 2016 | 17,13% | 148,76% LAM = 215 464 OVM = 341 880 |
393,79% LAT = 633 475 OVT = 376 417 |
56,67% | 2053_2016_01.135.zip |
| 1 December 2015 | 20,22% | 114,74% LAM = 122 775 OVM = 304 807 |
189,03% LAT = 494 993 OVT = 477 534 |
53,48% | 2053_2015_12.135.zip |
| 1 November 2015 | 20,44% | 96,08% LAM = 96 873 OVM = 299 118 |
406,51% LAT = 483 911 OVT = 335 377 |
52,76% | 2053_2015_11.135.zip |
| 1 October 2015 | 20,39% | 87,36% LAM = 109 432 OVM = 325 238 |
369,64% LAT = 546 950 OVT = 364 766 |
50,12% | 2053_2015_10.135.zip |
| 1 September 2015 | 18,85% | 84,59% LAM = 121 281 OVM = 360 743 |
242,38% LAT = 443 132 OVT = 400 201 |
53,10% | 2053_2015_09.135.zip |
| 1 August 2015 | 18,87% | 85,28% LAM = 114 128 OVM = 351 448 |
254,11% LAT = 435 493 OVT = 388 995 |
52,11% | 2053_2015_08.135.zip |
| 1 July 2015 | 18,89% | 83,80% LAM = 130 131 OVM = 372 676 |
156,02% LAT = 421 069 OVT = 487 285 |
55,45% | 2053_2015_07.135.zip |
| 1 June 2015 | 18,77% | 76,49% LAM = 129 945 OVM = 386 980 |
162,73% LAT = 391 072 OVT = 457 401 |
57,90% | 2053_2015_06.135.zip |
| 1 May 2015 | 18,25% | 57,32% LAM = 79 750 OVM = 355 984 |
168,90% LAT = 337 006 OVT = 416 376 |
58,13% | 2053_2015_05.135.zip |
| 1 April 2015 | 18,09% | 98,64% LAM = 125 279 OVM = 362 224 |
190,01% LAT = 373 139 OVT = 431 598 |
59,01% | 2053_2015_04.135.zip |
| 1 March 2015 | 17,47% | 92,00% LAM = 125 920 OVM = 395 843 |
163,14% LAT = 371 032 OVT = 486 401 |
63,15% | 2053_2015_03.135.zip |
| 1 February 2015 | 16,41% | 96,59% LAM = 141 346 OVM = 406 970 |
173,20% LAT = 450 047 OVT = 520 476 |
67,99% | 2053_2015_02.135.zip |
| 1 January 2015 | 15,90% | 47,44% LAM = 186 488 OVM = 445 514 |
95,49% LAT = 450 681 OVT = 524 365 |
91,59% | 2053_2015_01.135.zip |
| 1 December 2014 | 16,83% | 45,81% LAM = 191 271 OVM = 470 112 |
92,85% LAT = 498 837 OVT = 589 814 |
84,44% | 2053_2014_12.135.zip |
| 1 November 2014 | 17,83% | 30,30% LAM = 112 283 OVM = 423 065 |
84,45% LAT = 465 564 OVT = 603 838 |
90,00% | 2053_2014_11.135.zip |
| 1 October 2014 | 17,77% | 35,72% LAM = 149 664 OVM = 471 694 |
104,30% LAT = 489 577 OVT = 522 086 |
85,74% | 2053_2014_10.135.zip |
| 1 September 2014 | 17,65% | 44,69% LAM = 173 499 OVM = 440 958 |
105,73% LAT = 492 719 OVT = 518 793 |
85,81% | 2053_2014_09.135.zip |
| 1 August 2014 | 19,42% | 37,34% LAM = 106 874 OVM = 339 182 |
149,52% LAT = 476 410 OVT = 371 585 |
78,03% | 2053_2014_08.135.zip |
| 1 July 2014 | 19,76% | 48,40% LAM = 141 324 OVM = 345 507 |
150,67% LAT = 630 984 OVT = 472 286 |
73,76% | 2053_2014_07.135.zip |
| 1 June 2014 | 19,00% | 52,09% LAM = 167 278 OVM = 375 388 |
121,81% LAT = 589 976 OVT = 538 565 |
77,30% | 2053_2014_06.135.zip |
| 1 May 2014 | 19,77% | 72,53% LAM = 194 351 OVM = 322 498 |
137,75% LAT = 432 109 OVT = 368 223 |
76,21% | 2053_2014_05.135.zip |
| 1 April 2014 | 18,88% | 62,10% LAM = 197 439 OVM = 378 419 |
111,74% LAT = 436 115 OVT = 450 778 |
76,58% | 2053_2014_04.135.zip |
| 1 March 2014 | 19,17% | 57,44% LAM = 196 617 OVM = 404 312 |
117,92% LAT = 450 317 OVT = 443 870 |
69,03% | 2053_2014_03.135.zip |
| 1 February 2014 | 18,96% | 51,80% LAM = 173 949 OVM = 399 303 |
120,42% LAT = 462 127 OVT = 447 267 |
68,42% | 2053_2014_02.135.zip |
| 1 January 2014 | 19,30% | 56,99% LAM = 217 443 OVM = 445 955 |
98,19% LAT = 465 966 OVT = 538 953 |
72,62% | 2053_2014_01.135.zip |
| 1 December 2013 | 18,83% | 53,40% LAM = 186 243 OVM = 418 941 |
79,62% LAT = 425 709 OVT = 604 848 |
74,95% | 2053_2013_12.135.zip |
| 1 November 2013 | 18,04% | 68,87% LAM = 227 305 OVM = 400 548 |
101,37% LAT = 488 897 OVT = 552 793 |
65,82% | 2053_2013_11.135.zip |
| 1 October 2013 | 17,58% | 43,47% LAM = 213 246 OVM = 560 651 |
108,70% LAT = 591 612 OVT = 614 345 |
65,80% | 2053_2013_10.135.zip |
| 1 September 2013 | 17,19% | 39,33% LAM = 138 795 OVM = 422 234 |
89,19% LAT = 391 660 OVT = 508 442 |
65,92% | 2053_2013_09.135.zip |
| 1 August 2013 | 17,23% | 61,56% LAM = 262 632 OVM = 495 624 |
103,85% LAT = 484 877 OVT = 535 922 |
63,49% | 2053_2013_08.135.zip |
| 1 July 2013 | 17,50% | 34,32% LAM = 115 281 OVM = 404 279 |
84,61% LAT = 377 039 OVT = 514 023 |
59,12% | 2053_2013_07.135.zip |
| 1 June 2013 | 18,03% | 41,51% LAM = 125 435 OVM = 368 708 |
66,19% LAT = 356 742 OVT = 605 511 |
60,59% | 2053_2013_06.135.zip |
| 1 May 2013 | 18,59% | 39,04% LAM = 122 719 OVM = 380 951 |
95,56% LAT = 396 014 OVT = 481 020 |
62,62% | 2053_2013_05.135.zip |
| 1 April 2013 | 18,58% | 40,64% LAM = 139 206 OVM = 409 049 |
101,12% LAT = 445 068 OVT = 506 607 |
69,26% | 2053_2013_04.135.zip |
| 1 March 2013 | 19,07% | 59,18% LAM = 204 303 OVM = 411 772 |
86,54% LAT = 404 848 OVT = 534 367 |
82,59% | 2053_2013_03.135.zip |
| 1 February 2013 | 19,79% | 50,66% LAM = 214 556 OVM = 489 883 |
84,28% LAT = 425 105 OVT = 570 788 |
84,06% | 2053_2013_02.135.zip |
| 1 January 2013 | 20,21% | 59,94% LAM = 287 915 OVM = 541 721 |
82,65% LAT = 433 082 OVT = 585 377 |
80,52% | 2053_2013_01.135.zip |
| 1 December 2012 | 21,00% | 47,12% LAM = 183 303 OVM = 449 807 |
65,54% LAT = 334 274 OVT = 570 893 |
64,99% | 2053_2012_12.135.zip |
| 1 November 2012 | 22,12% | 42,50% LAM = 175 422 OVM = 473 199 |
59,58% LAT = 336 217 OVT = 624 780 |
59,99% | 2053_2012_11.135.zip |
| 1 October 2012 | 23,17% | 28,23% LAM = 106 549 OVM = 431 554 |
66,27% LAT = 308 005 OVT = 518 826 |
58,89% | 2053_2012_10.135.zip |
| 1 September 2012 | 22,80% | 36,18% LAM = 220 013 OVM = 662 046 |
86,32% LAT = 565 644 OVT = 709 151 |
55,27% | 2053_2012_09.135.zip |
| 1 August 2012 | 22,49% | 27,37% LAM = 154 924 OVM = 618 675 |
93,29% LAT = 582 920 OVT = 677 519 |
54,12% | 2053_2012_08.135.zip |
| 1 July 2012 | 24,40% | 28,12% LAM = 152 923 OVM = 595 408 |
90,13% LAT = 580 052 OVT = 695 209 |
53,67% | 2053_2012_07.135.zip |
| 1 June 2012 | 25,36% | 42,09% LAM = 230 618 OVM = 598 856 |
105,06% LAT = 636 064 OVT = 656 413 |
50,33% | 2053_2012_06.135.zip |
| 1 May 2012 | 26,47% | 49,12% LAM = 160 728 OVM = 377 374 |
100,24% LAT = 388 333 OVT = 437 575 |
46,46% | 2053_2012_05.135.zip |
| 1 April 2012 | 24,68% | 47,57% LAM = 158 018 OVM = 382 192 |
64,53% LAT = 294 285 OVT = 506 031 |
52,40% | 2053_2012_04.135.zip |
| 1 March 2012 | 26,28% | 54,02% LAM = 163 092 OVM = 351 882 |
108,70% LAT = 481 000 OVT = 492 441 |
51,96% | 2053_2012_03.135.zip |
| 1 February 2012 | 26,24% | 57,17% LAM = 170 412 OVM = 347 927 |
127,83% LAT = 449 485 OVT = 401 485 |
55,32% | 2053_2012_02.135.zip |
| 1 January 2012 | 23,38% | 38,99% LAM = 133 758 OVM = 343 058 |
88,94% LAT = 323 847 OVT = 364 119 |
62,84% | 2053_2012_01.135.zip |
| 1 December 2011 | 24,24% | 51,96% LAM = 199 356 OVM = 383 672 |
69,13% LAT = 300 641 OVT = 434 892 |
58,95% | 2053_2011_12.135.zip |
| 1 November 2011 | 26,15% | 48,19% LAM = 168 547 OVM = 349 756 |
107,34% LAT = 388 098 OVT = 361 560 |
53,31% | 2053_2011_11.135.zip |
| 1 October 2011 | 25,77% | 54,22% LAM = 225 922 OVM = 416 676 |
87,28% LAT = 390 094 OVT = 446 945 |
59,20% | 2053_2011_10.135.zip |
| 1 September 2011 | 24,48% | 39,08% LAM = 143 378 OVM = 366 883 |
66,09% LAT = 282 917 OVT = 428 078 |
64,64% | 2053_2011_09.135.zip |
| 1 August 2011 | 24,02% | 36,30% LAM = 117 783 OVM = 324 472 |
65,49% LAT = 251 148 OVT = 383 491 |
66,69% | 2053_2011_08.135.zip |
| 1 July 2011 | 24,71% | 36,84% LAM = 143 039 OVM = 388 271 |
63,38% LAT = 288 042 OVT = 454 468 |
72,81% | 2053_2011_07.135.zip |
| 1 June 2011 | 24,91% | 28,65% LAM = 100 629 OVM = 351 237 |
61,72% LAT = 249 498 OVT = 404 242 |
71,25% | 2053_2011_06.135.zip |
| 1 May 2011 | 26,33% | 40,04% LAM = 114 644 OVM = 286 324 |
77,76% LAT = 292 588 OVT = 376 271 |
77,67% | 2053_2011_05.135.zip |
| 1 April 2011 | 27,17% | 31,10% LAM = 114 849 OVM = 369 288 |
56,98% LAT = 246 176 OVT = 432 039 |
85,33% | 2053_2011_04.135.zip |
| 1 March 2011 | 27,44% | 32,47% LAM = 105 375 OVM = 324 529 |
62,74% LAT = 227 787 OVT = 363 065 |
83,61% | 2053_2011_03.135.zip |
| 1 February 2011 | 27,68% | 34,21% LAM = 114 754 OVM = 335 440 |
64,04% LAT = 255 895 OVT = 399 586 |
85,30% | 2053_2011_02.135.zip |
| 1 January 2011 | 27,19% | 47,93% LAM = 198 250 OVM = 413 625 |
75,21% LAT = 315 802 OVT = 419 894 |
86,27% | 2053_2011_01.135.zip |
| 1 December 2010 | 28,85% | 38,97% LAM = 145 818 OVM = 374 179 |
67,48% LAT = 302 349 OVT = 448 057 |
82,04% | 2053_2010_12.135.zip |
| 1 November 2010 | 28,61% | 40,03% LAM = 130 153 OVM = 325 139 |
71,31% LAT = 250 688 OVT = 351 547 |
81,86% | 2053_2010_11.135.zip |
| 1 October 2010 | 29,40% | 40,31% LAM = 147 138 OVM = 365 015 |
95,31% LAT = 344 424 OVT = 361 372 |
73,32% | 2053_2010_10.135.zip |
| 1 September 2010 | 30,77% | 42,71% LAM = 137 987 OVM = 323 078 |
103,12% LAT = 318 284 OVT = 308 654 |
60,48% | 2053_2010_09.135.zip |
| 1 August 2010 | 30,15% | 59,98% LAM = 204 571 OVM = 341 065 |
93,31% LAT = 402 121 OVT = 430 952 |
51,44% | 2053_2010_08.135.zip |
| 1 July 2010 | 36,07% | 63,65% LAM = 198 079 OVM = 311 201 |
142,10% LAT = 437 819 OVT = 308 106 |
39,86% | 2053_2010_07.135.zip |
2) N2 - quick liquidity ratio. It shows bank's ability to fulfill it's on demand liabilities. Minimum value is set by the Central Bank of Russia at 15%.
3) N3 - current liquidity ratio. It shows bank's ability to fulfill it's current liabilities (due in less than 30 days from report date). Minimum value is set by the Central Bank of Russia at 50%.
4) N3 - long-term liquidity ratio. It limits bank's long-term investments. Maximum value is set by the Central Bank of Russia at 120%.
© 2008—2024, Куап.ру - 
RSS-канал. Telegram: http://t.me/kuapru
If you have proposals or questions on using our site materials, please write us letters.
RSS-канал. Telegram: http://t.me/kuapruIf you have proposals or questions on using our site materials, please write us letters.