Impact of Bank Cards Transactions on Banking Fee Income Growth in Russia

The article covers the advent of new sources of income which banks should concentrate on in the light of digitalization and development of new technologies. In spite of dynamic bank cards market development, there are many unresolved issues and challenges in this sphere, which generally relate to the necessity to enhance legal framework regulation; development of effective anti-fraud methods; utilization of innovative technologies and others. The Russian economy and society are in need of highly efficient, safe and economically viable and independent payment system, including such method of payments as bank cards. The conducted analysis revealed that there is a correlation between individual indicators of the bank card market development and the level of a bank's income. The latter depends not only on the revenue flows generated by the growth of interest rates on loans or other conventional types of banking transactions, but on the level of bank cards transactions. It is important to identify correlation between the growth of banks' fee income from card transaction and the amount of funds raised by commercial banks, the numbers of ATM, the average income per card, the number of operating cards, and per capita income of the population

ON THE PROBLEM OF FORMING CROSSCULTURAL LITERACY OF STUDENTS AS AN INDICATOR OF INTERCULTURAL UNDERSTANDING

Проблема формирования кросскультурной грамотности студентов явля- ется важной социально-педагогической задачей. Сегодня востребован специа- лист, способный мыслить глобально, понимать себя и других, понимать культуру не только своего народа, но и других народов. Важно, чтобы студент овладел культурой различий и понимания, т.е. кросскультурной грамотностью, которая является основой межнационального общения и отношений в целом.The formation problem of cross-cultural literacy of students is the important social- pedagogical task. Today the expert, capable to think globally is claimed, to understand itself and others, to understand culture not only its people, but also other people. It is important, that the student has seized culture of distinctions and understanding, i.e. cross-cultural literacy which is a basic of international dialogue and relations as a whole

Online gaming parent club as a means of transforming the interaction between teachers and parents of preschoolers

The issues of effective interaction between parents and educators are relevant to modern theory and practice of preschool education. In 2020, pre-school education in the Russian Federation was forced to operate under the COVID-19 pandemic, which led to a massive shift of institutions of this type to a remote format of operation and had a significant impact on the livelihoods of both preschoolers and their parents. The aim of this study was to identify the range of problems parents faced when being isolated during the pandemic and establishing an online gaming club as a means of transforming the interaction between parents and educators in remote access using remote educational technologies. As the main tool of the study, questionnaire methods were used to clarify the problematic experience of parents of preschoolers and their attitude to such a format of interaction with teachers as the Online Gaming Parent Club. The authors found that the creation and operation of the Online Gaming Parent Club is the best way to transform the interaction between teachers and parents of preschoolers in modern conditions and allows to solve the problems of organizing joint play activities of parents and children in the conditions of home education and education

Potential of hydroxybenzoic acids from Graptopetalum paraguayense for inhibiting of herpes simplex virus DNA polymerase – metabolome profiling, molecular docking and quantum-chemical analysis

According to our previous investigation the total methanol extract from Graptopetalum paraguayense E. Walther demonstrates a significant inhibitory effect on herpes simplex virus type 1 (HSV-1). To clarify what causes this inhibitory activity on HSV-1, a metabolic profile of the plant was performed. Three main fractions: non-polar substances, polar metabolites and phenolic compounds were obtained and gas chromatography–mass spectrometry (GC-MS) analysis was carried out. Since it is well known that phenolic compounds show a significant anti-herpes effect and that viral DNA polymerase (DNApol) appears to play a key role in HSV virus replication, we present a docking and quantum-chemical analysis of the binding of these compounds to viral DNApol amino acids. Fourteen different phenolic acids found by GC-MS analyses, were used in molecular docking simulations. According to the interaction energies of all fourteen ligands in the DNApol pockets based on docking results, density functional theory (DFT) calculations were performed on the five optimally interacting with the receptor acids. It was found that hydroxybenzoic acids from phenolic fraction of Graptopetalum paraguayense E. Walther show a good binding affinity to the amino acids from the active site of the HSV DNApol, but significantly lower than that of acyclovir. The mode of action on virus replication of acyclovir (by DNApol) is different from that of the plant phenolic acids one, probably

SHAPING NATIONAL IDENTITIES IN CENTRAL ASIAN COUNTRIES: RESULTS, PROBLEMS, PROSPECTS

National identities, considered a guarantee of successful development, were among the priorities for the five newly independent states that emerged in the territory of what used to be the Soviet Central Asia and Kazakhstan-the Republic of Kazakhstan, the Kyrgyz Republic, the Republic of Tajikistan, Turkmenistan and the Republic of Uzbekistan. The process began when the Soviet Union still existed: the Soviet Central Asian republics and Kazakhstan adopted laws on language that allowed the Central Asian elites to pass decisions related to the languages used by titular nations. In the post-Soviet years the language policy moved to the fore as one of the key aspects of the gradually emerging national identities treated with special attention at the state level. No matter how similar the processes were, no matter how close the cultures and traditions, each of the Central Asian countries chose its own road, fine-tuned to the specifics of their domestic contexts and the interests of the elites in power. The processes unfolded in full compliance with social continuity, traditions, culture and national languages that survived under Soviet rule. The republics, however, had to take into account the national minorities, including the Russian-speaking populations, in all post-Soviet republics. Inherited from Soviet times, the Russian language was dominant in all of the Central Asian republics, and even preserved much of its influence in the newly independent post-Soviet Central Asian states. This means that they should have opted for a relatively balanced language policy up to and including the continual stage-by-stage contraction of the spheres in which Russian was predominantly used. For obvious reasons they could not push aside their trade and economic relations with Russia and ignore the role of the Soviet cultural and educational heritage. This cushioned the political effects of the Soviet Union’s disintegration, partially limited the role of nationalist parties in the newly independent states and helped preserve their educational potential. Shaping national identities in the post-Soviet Central Asian countries was not a smooth, let alone easy, process: societies were far from homogenous, while the regions found it hard to agree to more or less reasonable compromises. This became especially apparent in Kyrgyzstan, which was divided into the southern and northern parts; in Kazakhstan, where the local society was divided into zhuzes; in Tajikistan, Turkmenistan, and Uzbekistan, where clans carried a lot of political weight. Thus the elites in power in all of the Central Asian states had no choice but to take into account very different or even clashing interests of informal groups and clans, and tune their policies accordingly. This means that the road towards national identities was far from simple: it meandered between contradictory trends and interests. This also explains the centuries-old mechanism of governance, namely, regional-clan approaches to various problems, which was in place in all of the Central Asian countries, functioning outside the party and state structures. While paying lip service to Communist ideology, leaders of the Central Asian republics invariably took the clan balance of power into account. From the very first days of independence, the Central Asian leaders remained loyal to the conceptual approach to national identities: they concentrated on historical heritage, culture, traditions and national language, the key element of national identity. Despite the fairly long history of their independence, the problem of national identity remains prominent in all of the Central Asian countries. It is intertwined with the problem of the emergence of statehood and development of political systems and the radical geopolitical shifts occurring against the background of mounting economic problems. This cannot but affect the situation in the Central Asian countries in which the process of shaping national identities has not yet been completed

Secondary hyperaldosteronism, caused by abnormalities of the renal vessels, in clinical endocrinologist

Aldosterone levels increase in clinical practice may be due to primary or secondary hyperaldosteronism. Secondary hyperaldosteronism (CAA) is a clinical syndrome caused by increased synthesis of renin juxtaglomerular apparatus of the kidneys in response to lower perfusion pressure in the afferent glomerular arteriole. This mechanism leads to activation of the renin-angiotensin-aldosterone system with a consequent increase in systemic blood pressure. Clinically manifested CAA secondary (systemic) arterial hypertension, the most common form of parenchymal renal disease and renal vascular lesions. Renovascular diseases are a heterogeneous group of pathologies, which includes atherosclerosis of renal arteries, the most common cause; fibromuscular dysplasia (FMD); other more rare diseases, accompanied by a narrowing of the lumen of the renal vessels. Some authors consider the possibility of including a group of renovascular disease presence of multiple renal arteries. Тhe article presents the clinical cases of secondary hyperaldosteronism, caused by FMD and abnormal amounts of the renal arteries, manifested hypertension and increased levels of aldosterone in the blood. Carrying out a detailed search of the diagnostic determination of the ratio of aldosterone to plasma renin helped eliminate endocrine genesis of the disease and to identify the true cause of aldosteronism

Fishing as an important source of food in the Arctic and subarctic zones of Yakutia

The peculiarity of natural conditions of Yakutia plays an important role in the formation of economic activities of its population. A significant number of rivers and lakes are a favorable condition for the development and preservation of traditional fishing. Currently, more than 89% of the commercial fish catch is produced in the lower reaches of the large northern rivers and lakes in the Arctic and subarctic zones of Yakutia. The main part of this catch is whitefish species, which are valued for their fat content, protein content, culinary, and taste qualities. Fish is a valuable food product for the population of Yakutia. This article presents the results of the study on the nutritional value and the content of heavy metals in the Arctic cisco meat. The high content of fat and protein in the studied samples shows that the Arctic cisco meat belongs to high-protein and high-calorie products and has a high biological value. It was found that on average, the level of toxic metals in the Arctic cisco meat does not exceed the norms accepted in Russia for fish products. The data obtained suggest that the content of heavy metals in fish is due to the peculiarities of living conditions and environmental pollution. Over the past decades, the volume of fish production in Yakutia has been declining due to the socioeconomic and climatic factors. Due to the anthropogenic pollution of water in rivers and lakes by oil products and effluents and waste from various sectors of the economy, especially the mining industry, there is a reduction in the fish resources and there is a need to monitor the environmental condition of the fishing reservoirs and the fish food quality

SHAPING NATIONAL IDENTITIES IN CENTRAL ASIAN COUNTRIES: RESULTS, PROBLEMS, PROSPECTS

National identities, considered a guarantee of successful development, were among the priorities for the five newly independent states that emerged in the territory of what used to be the Soviet Central Asia and Kazakhstan-the Republic of Kazakhstan, the Kyrgyz Republic, the Republic of Tajikistan, Turkmenistan and the Republic of Uzbekistan. The process began when the Soviet Union still existed: the Soviet Central Asian republics and Kazakhstan adopted laws on language that allowed the Central Asian elites to pass decisions related to the languages used by titular nations. In the post-Soviet years the language policy moved to the fore as one of the key aspects of the gradually emerging national identities treated with special attention at the state level. No matter how similar the processes were, no matter how close the cultures and traditions, each of the Central Asian countries chose its own road, fine-tuned to the specifics of their domestic contexts and the interests of the elites in power. The processes unfolded in full compliance with social continuity, traditions, culture and national languages that survived under Soviet rule. The republics, however, had to take into account the national minorities, including the Russian-speaking populations, in all post-Soviet republics. Inherited from Soviet times, the Russian language was dominant in all of the Central Asian republics, and even preserved much of its influence in the newly independent post-Soviet Central Asian states. This means that they should have opted for a relatively balanced language policy up to and including the continual stage-by-stage contraction of the spheres in which Russian was predominantly used. For obvious reasons they could not push aside their trade and economic relations with Russia and ignore the role of the Soviet cultural and educational heritage. This cushioned the political effects of the Soviet Union’s disintegration, partially limited the role of nationalist parties in the newly independent states and helped preserve their educational potential. Shaping national identities in the post-Soviet Central Asian countries was not a smooth, let alone easy, process: societies were far from homogenous, while the regions found it hard to agree to more or less reasonable compromises. This became especially apparent in Kyrgyzstan, which was divided into the southern and northern parts; in Kazakhstan, where the local society was divided into zhuzes; in Tajikistan, Turkmenistan, and Uzbekistan, where clans carried a lot of political weight. Thus the elites in power in all of the Central Asian states had no choice but to take into account very different or even clashing interests of informal groups and clans, and tune their policies accordingly. This means that the road towards national identities was far from simple: it meandered between contradictory trends and interests. This also explains the centuries-old mechanism of governance, namely, regional-clan approaches to various problems, which was in place in all of the Central Asian countries, functioning outside the party and state structures. While paying lip service to Communist ideology, leaders of the Central Asian republics invariably took the clan balance of power into account. From the very first days of independence, the Central Asian leaders remained loyal to the conceptual approach to national identities: they concentrated on historical heritage, culture, traditions and national language, the key element of national identity. Despite the fairly long history of their independence, the problem of national identity remains prominent in all of the Central Asian countries. It is intertwined with the problem of the emergence of statehood and development of political systems and the radical geopolitical shifts occurring against the background of mounting economic problems. This cannot but affect the situation in the Central Asian countries in which the process of shaping national identities has not yet been completed