?? ????, ??? ??? ???? ?? ??? ???? ??? ?? ????. ??? ??? ???? ??? ??? ??? ????. ???, ??????? ??? ??? ??? ??? ?? ???? ?????. ???? ???? ??? ???? ?? ?? ??? ???? ?? ??? ??? ??? financial ?? ?? ????? individuals?? ??? effective ?? options? ?????. ??? ???? ??? ??? ?, ????? rapid??? ????? steps? ?? ? ??? assists. simple system? professional ????, users