Решение по делу № 2-693/2014 ~ М-736/2014 от 16.10.2014

Гражданское дело № 2-693/2014

РЕШЕНИЕ

(Заочное)

Именем Российской Федерации

12 декабря 2014 года                                 а. Адыге-Хабль

Адыге-Хабльский районный суд Карачаево-Черкесской республики в составе

председательствующего судьи Косова Ю.А.,

при секретаре Соновой М.К.,

рассмотрев в открытом судебном заседании гражданское дело по исковому заявлению Общества с ограниченной ответственностью «Хоум Кредит энд Финанс Банк» к Кравченко И.С. о взыскании долга по договору о предоставлении кредита,

УСТАНОВИЛ:

Общество с ограниченной ответственностью «Хоум Кредит энд Финанс Банк» обратилось в Адыге-Хабльский районный суд Карачаево-Черкесской Республики с исковым заявлением к Кравченко и.С. о взыскании долга по договору о предоставлении кредита. Свои требования обосновало тем, что 14 декабря 2012 года Общество с ограниченной ответственностью «Хоум Кредит энд Финанс Банк» и Кравченко И.С. заключили Договор о предоставлении кредита в безналичном порядке и ведении банковского счета __№__ от ДД.ММ.ГГГГ, в соответствии с которым истец предоставил денежные средства в размере <данные изъяты> руб. сроком на 18 месяцев, а ответчик обязался возвратить полученный кредит и уплатить на него проценты в порядке и на условиях, установленных договором. Согласно выписке, справке по счету, расходному кассовому ордеру, заявлению на перевод денежных средств, кассовому чеку о переводе денежных средств истец надлежащим образом выполнил свои обязательства по предоставлению кредита. В соответствии с условиями договора ответчик принял на себя обязательство по погашению задолженности, путем выплаты ежемесячных платежей, включающих в себя сумму процентов за пользование кредитом в течении процентного периода, сумму комиссий за предоставление кредита, которые согласно договора погашаются в составе ежемесячных платежей. Кроме того, каждый раз при образовании просроченной задолженности Банк вправе потребовать уплаты штрафа в размере и порядке, установленном тарифами Банка. В настоящее время Кравченко И.С. не исполняет надлежащим образом, принятые на себя обязательства по договору: ежемесячные платежи по кредиту не уплачивает, это привело к начислению штрафов и выставлению требования о полном погашении задолженности. До настоящего времени данное требование ответчиком не исполнено. По состоянию на 26 мая 2014 года задолженность по договору составляет <данные изъяты> руб. (<данные изъяты> рублей 03 копеек), в том числе : - размер задолженности по оплате основного долга - <данные изъяты> руб. 71 копеек; - размер задолженности по оплате процентов за пользование кредитом - <данные изъяты>) руб. 00 коп.; - размер комиссий за направление извещений с информацией по кредиту - 00 (ноль) руб.; - размер штрафов, начисленных за ненадлежащее исполнение обязательств по договору - <данные изъяты>) руб. 32 коп. До подачи искового заявления банк обратился к мировому судье с заявлением о выдаче судебного приказа, при этом за подачу заявления Банком была уплачена государственная пошлина в размере <данные изъяты> рублей. Мировым судьей было вынесено определение об отказе в выдаче судебного приказа, Банку разъяснено, что заявленное требование может быть предъявлено в порядке искового производства. Государственная пошлина уплаченная за выдачу судебного приказа к возврату не предъявлялась. На основании изложенного Общество с ограниченной ответственностью «Хоум Кредит энд Финанс Банк» просило суд взыскать с Кравченко И.С. в свою пользу денежные средства в размере задолженности по договору о предоставлении кредита в безналичном порядке и ведении банковского счета __№__ от ДД.ММ.ГГГГ в размере <данные изъяты> рублей 03 копеек), в том числе : - размер задолженности по оплате основного долга - <данные изъяты>) руб. 71 копеек; - размер задолженности по оплате процентов за пользование кредитом - 49 697 (сорок девять тысяч шестьсот девяносто семь) руб. 00 коп.; - размер комиссий за направление извещений с информацией по кредиту - 00 (ноль) руб.; - размер штрафов, начисленных за ненадлежащее исполнение обязательств по договору - <данные изъяты>) руб. 32 коп. Произвести зачет ранее уплаченной государственной пошлины в размере произведенных расходов по уплате государственной пошлины при подаче заявления о выдаче судебного приказа в сумме <данные изъяты> ) руб. 72 копейки. Взыскать с Кравченко И.С. в пользу ООО «Хоум Кредит энд Финанс Банк» убытки в размере произведенных расходов по уплате государственной пошлины за рассмотрение искового заявления в размере <данные изъяты>) руб. 44 копеек. Рассмотреть данное гражданское дело без участия представителя истца, в случае отсутствия ответчика в порядке заочного производства с высылкой копий решения и исполнительный лист в адрес истца.

Представитель истца - Общества с ограниченной ответственностью «Хоум Кредит энд Финанс Банк» Осипова А.В. (по доверенности № 5Д-1508 от ДД.ММ.ГГГГ года) в судебное заседание не явилась. В своем заявлении просила рассмотреть данное гражданское дело в отсутствие представителя Банка, с последующей отправкой копии судебного решения и исполнительного листа. В соответствии с ч.5 ст.167 ГПК РФ, суд считает возможным рассмотреть дело в отсутствии представителя истца.

Ответчик Кравченко И.С. в судебное заседание не явился, хотя извещения посылались по адресу регистрации Кравченко И.С. были возвращены по истечению срока хранения ДД.ММ.ГГГГ почтовый идентификатор № 36933080327260 и 9 декабря 2014 года почтовый идентификатор № 36933081347991. О причинах неявки суд не уведомил, доказательств уважительности неявки не представил, об отложении судебного разбирательства не просил. Таким образом, на момент рассмотрения дела у суда, при условии надлежащего уведомления, не имеется сведений об уважительности причин неявки ответчика, что в силу ст. 233 ГПК РФ предоставляет право суду рассмотреть данное гражданское дело в порядке заочного производства. В связи, с чем суд определил рассмотреть дело в соответствии с главой 22 ГПК РФ в порядке заочного производства.

Исследовав материалы дела, суд приходит к выводу о необходимости частичного удовлетворения исковых требований.

В соответствии с пунктом 1 статьи 819 ГК РФ по кредитному договору банк или иная кредитная организация (кредитор) обязуются предоставить денежные средства (кредит) заемщику в размере и на условиях, предусмотренных договором, а заемщик обязуется возвратить полученную денежную сумму и уплатить проценты на нее.

Как установлено в судебном заседании, 14 декабря 2012 года между Обществом с ограниченной ответственностью «Хоум Кредит энд Финанс Банк» и Кравченко И.С. был заключен Договор о предоставлении кредита в безналичном порядке и ведении банковского счета __№__ от ДД.ММ.ГГГГ, в соответствии с которым истец предоставил денежные средства в размере 123 540 руб. сроком на 18 месяцев, что подтверждается Договором заявкой на открытие банковского счета __№__ от ДД.ММ.ГГГГ года. Данная сделка в соответствии с пунктом 1 статьи 154 ГК РФ является двухсторонней.

В соответствии с пунктом 1 ст.160 ГК РФ двухсторонняя сделка может совершаться способами, установленными пунктами 2 и 3 статьи 434 ГК РФ.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                             

В соответствии с пунктами 2 и 3 статьи 434 ГК РФ договор в письменной форме может быть заключен путем составления одного документа, подписанного сторонами, а также путем обмена документами посредством почтовой, телеграфной, телетайпной, телефонной, электронной или иной связи, позволяющей достоверно установить, что документ исходит от стороны по договору. Письменная форма договора считается соблюденной, если письменное предложение заключить договор принято в порядке, предусмотренном пунктом 3 статьи 438 настоящего Кодекса.

В соответствии с вышеуказанным Договором-заявкой, ответчик Кравченко И.С. подписав его 14 декабря 2012 года, согласился с тем, что размер предоставляемого ему кредита составит <данные изъяты> рублей 00 копеек, с учетом уплаты им взноса за личное страхование в размере <данные изъяты> рублей и взноса от потери работы в размере <данные изъяты> рублей ему было выдано <данные изъяты> рублей. Ежемесячный платеж по кредиту составил <данные изъяты> рублей 35 копеек, которые Кравченко И.С. должен был перечислять на счет истца в течении 18 месяцев. Ответчик Кравченко И.С. принял на себя вышеуказанные обязательства.

В силу пункта 2 статьи 807 ГК РФ договор займа, в данном случае кредитный, считается заключенным с момента передачи денег или других вещей и данный факт Обществом с ограниченной ответственностью «Хоум Кредит энд Финанс Банк» подтвержден.

Согласно пункту 1 ст.810 ГК РФ заемщик обязан возвратить займодавцу полученную сумму займа в срок и порядке, которые предусмотрены договором займа. В силу статьи 309 ГК РФ обязательства должны исполняться надлежащим образом в соответствии с условиями обязательства и требованиями закона, иных правовых актов, а при отсутствии таких условий и требований - в соответствии с обычаями делового оборота или иными обычно предъявляемыми требованиями. При этом в соответствии со ст.314 ГК РФ, если обязательство предусматривает или позволяет определить день его исполнения или период времени, в течение которого оно должно быть исполнено, обязательство подлежит исполнению в этот день или, соответственно в любой момент в пределах такого периода.

Однако, ответчик Кравченко И.С. свое обязательство по погашению кредита не выполнил. В силу требований статьи 310 ГК РФ односторонний отказ от исполнения обязательств не допускается.

По состоянию на 26 мая 2014 года, задолженность ответчика Кравченко И.С. перед Обществом с ограниченной ответственностью «Хоум Кредит энд Финанс Банк» составляет <данные изъяты> рублей 03 копеек), в том числе : - размер задолженности по оплате основного долга - <данные изъяты>) руб. 71 копеек; - размер задолженности по оплате процентов за пользование кредитом - <данные изъяты>) руб. 00 коп.; - размер комиссий за направление извещений с информацией по кредиту - 00 (ноль) руб.; - размер штрафов, начисленных за ненадлежащее исполнение обязательств по договору - <данные изъяты>) руб. 32 коп. Суд соглашается с представленным истцом расчетом по взысканию задолженности по данному кредитному договору.

Таким образом, совокупность исследованных в судебном заседании доказательств также подтверждают обоснованность заявленных истцом требований. В связи с этим, суд считает возможным взыскать с ответчика вышеуказанную сумму в полном объеме.

В части требований истца о произведении зачета государственной пошлины, в размере <данные изъяты> ) руб. 72 копейки, уплаченной при подаче заявления в мировой суд о выдаче судебного приказа, суд считает необходимым удовлетворить по следующим основаниям. Так в соответствии со статьей 93 Гражданского процессуального кодекса Российской Федерации и пункта 1 части 2 статьи 333.40 Налогового кодекса Российской Федерации, в случае если государственная пошлина не возвращена, ее сумма засчитывается в счет уплаты государственной пошлины при повторном предъявлении иска, если не истек трехгодичный срок со дня вынесения предыдущего решения и к повторному иску приложен первоначальный документ об уплате государственной пошлины. Как следует из исковых требований первоначально для взыскания задолженности по кредиту перед Банком у Кравченко И.С. представитель по доверенности обратился с заявлением о выдаче судебного приказа в мировой суд <адрес> КЧР. Платежным поручением __№__ от ДД.ММ.ГГГГ оплата государственной пошлины за вынесение судебного приказа подтверждена. Определением Мирового судьи судебного участка №1 Адыге-Хабльского района от 16 октября 2013 года ООО «Хоум Кредит энд Финанс Банк» в выдаче судебного приказа было отказано. Возврата государственной пошлины произведено не было. При этом уплаченная в данном случае государственная пошлина подлежит возврату, либо зачету, в соответствии с частью 6 статьи 333.40 НК РФ. Плательщик государственной пошлины имеет право на зачет излишне уплаченной (взысканной) суммы государственной пошлины в счет суммы государственной пошлины, подлежащей уплате за совершение аналогичного действия. Так как истец обратился к тому же ответчику с требованиями о взыскании денежных средств в том же объеме, суд считает возможным зачесть в счет оплаты суммы государственной пошлины за подачу искового заявления в суд, произведенной ранее, при подаче заявления о выдаче судебного приказа на взыскание денежных средств с Кравченко И.С.

В части взыскания с ответчика Кравченко И.С. в пользу Общества с ограниченной ответственностью «Хоум Кредит энд Финанс Банк» расходов по уплате государственной пошлины в размере <данные изъяты>) руб. 44 копеек., оплаченных при подаче искового заявления, суд считает обоснованными, поскольку в соответствии со ст.98 ГПК РФ стороне, в пользу которой состоялось решение суда, суд присуждает возместить с другой стороны все понесенные по делу судебные расходы, за исключением случаев, предусмотренных частью второй статьи 96 настоящего Кодекса.

               На основании изложенного, руководствуясь ст. ст.98, 194-199,233-235,237 ГПК РФ, 807,809,810,819 ГК РФ, 333.40 НК РФ, суд

РЕШИЛ:

░░░░░░░ ░░░░░░░░░░ ░░░░░░░░ ░ ░░░░░░░░░░░░ ░░░░░░░░░░░░░░░░ «░░░░ ░░░░░░ ░░░ ░░░░░░ ░░░░» ░ ░░░░░░░░░ ░.░. ░ ░░░░░░░░░ ░░░░░ ░░ ░░░░░░░░ ░ ░░░░░░░░░░░░░░ ░░░░░░░░ ░░░░░░░░░░░░░.

░░░░░░░░ ░ ░░░░░░░░░ ░.░., ░░.░░.░░░░ ░░░░ ░░░░░░░░, ░░░░░░░░ <░░░░░> ░░░░, ░░░░░░░░░░░░░░░░░░░ ░░ ░░░░░░: ░░░░░░░░░-░░░░░░░░░░ ░░░░░░░░░░, ░░░░░-░░░░░░░░░ ░░░░░░░░░░░░░ ░░░░░, <░░░░░> <░░░░░> ░░░░░░ ░░░░░░░░ ░ ░░░░░░░░░░░░ ░░░░░░░░░░░░░░░░ «░░░░ ░░░░░░ ░░░ ░░░░░░ ░░░░» ░░░░░░░░░░░░░ ░░ ░░░░░░░░ ░ ░░░░░░░░░░░░░░ ░░░░░░░░ ░░░░░░░░░░░ ░░░░░░░ ░ ░░░░░░░ ░░░░░░░░░░░ ░░░░░ __№__ ░░ ░░.░░.░░░░ ░ ░░░░░░░ <░░░░░░ ░░░░░░> ░░░░░░ 03 ░░░░░░), ░ ░░░ ░░░░░ : - ░░░░░░ ░░░░░░░░░░░░░ ░░ ░░░░░░ ░░░░░░░░░ ░░░░░ - <░░░░░░ ░░░░░░>) ░░░. 71 ░░░░░░; - ░░░░░░ ░░░░░░░░░░░░░ ░░ ░░░░░░ ░░░░░░░░░ ░░ ░░░░░░░░░░░ ░░░░░░░░ - <░░░░░░ ░░░░░░>) ░░░. 00 ░░░.; - ░░░░░░ ░░░░░░░░ ░░ ░░░░░░░░░░░ ░░░░░░░░░ ░ ░░░░░░░░░░░ ░░ ░░░░░░░ - 00 (░░░░) ░░░.; - ░░░░░░ ░░░░░░░, ░░░░░░░░░░░ ░░ ░░░░░░░░░░░░ ░░░░░░░░░░ ░░░░░░░░░░░░ ░░ ░░░░░░░░ - <░░░░░░ ░░░░░░>) ░░░. 32 ░░░.

░░░░░░░░ ░ ░░░░░░░░░ ░.░., ░░.░░.░░░░ ░░░░ ░░░░░░░░, ░░░░░░░░ <░░░░░> ░░░░, ░░░░░░░░░░░░░░░░░░░ ░░ ░░░░░░: ░░░░░░░░░-░░░░░░░░░░ ░░░░░░░░░░, ░░░░░-░░░░░░░░░ ░░░░░░░░░░░░░ ░░░░░, <░░░░░> ░░░░░░ ░░░░░░░░ ░ ░░░░░░░░░░░░ ░░░░░░░░░░░░░░░░ «░░░░ ░░░░░░ ░░░ ░░░░░░ ░░░░» ░ ░░░░ ░░░░░░░░░░ ░░░░░░░░ ░░░░░░░░ ░░ ░░░░░░ ░░░░░░░░░░░░░░░ ░░░░░░░ ░░░░░ ░ ░░░░░░░ <░░░░░░ ░░░░░░>) ░░░. 44 ░░░░░░.

░░░░░░░░░░ ░░░░░ ░░░░░ ░░░░░░░░░░ ░░░░░░░░░░░░░░░ ░░░░░░░ ░░░ ░░░░░░ ░░░░░░░░░ ░ ░░░░░░ ░░░░░░░░░ ░░░░░░░ ░ ░░░░░░░ <░░░░░░ ░░░░░░> ) ░░░. 72 ░░░░░░░ ░ ░░░░ ░░░░░░ ░░░░░░░░░░░░░░░ ░░░░░░░ ░░ ░░░░░░ ░░░░░░░░ ░░░░░░░░░.

░░░░░░░░ ░░░░░░ ░░░░░░ ░ ░░░░░-░░░░░░░░░ ░░░░░░░░ ░░░ ░░░░░░░░░ ░░ ░░░░░░ ░░░░░░░░░░ ░░░░░░░ ░ ░░░░░░░ ░░░░ ░░░░ ░░ ░░░ ░░░░░░░░░ ░░░░░ ░░░░░ ░░░░░░░.

░░░░░░░ ░░░░░ ░░░░ ░░░░░░░░░░ ░░░░░░░░░ ░ ░░░░░░░░░░░░░ ░░░░░░░ ░ ░░░░░░░░ ░░░░░░░░ ░░ ░░░░░░░░░░░ ░░░░░ ░░░░░░░░░░ ░░░░ ░░░ ░░░░░ ░░░░░-░░░░░░░░░ ░░░░░░░░ ░░░ ░ ░░░░░░░ ░░░░░░ ░░ ░░░░░░░░░ ░░░░░ ░░░░░░ ░░░░░░░░░░ ░░░░░░░░░ ░░ ░░░░░░ ░░░░░░░░░░ ░░░░░░░, ░ ░ ░░░░░░, ░░░░ ░░░░░ ░░░░░░░░░ ░░░░░░░░░░ ░░░░░ ░░░░░░, ░ ░░░░░░░ ░░░░░░, ░░ ░░░ ░░░░░░░░░ ░░░░░░░░░░░ ░░░░ ░░ ░░░░░░ ░ ░░░░░░░░░░░░░░ ░░░░░ ░░░░░░░░░.

░░░░░░░░░░░░░░░░░░░░ ░░ ░░░░     

░░░░░ ░░░░░-░░░░░░░░░░ ░░░░░░░░░ ░░░░ ░░░░░ ░.░.