{"id":1395,"date":"2026-03-18T13:47:54","date_gmt":"2026-03-18T13:47:54","guid":{"rendered":"https:\/\/www.viz-read.com\/ru\/1360-2\/"},"modified":"2026-03-18T13:47:54","modified_gmt":"2026-03-18T13:47:54","slug":"1360-2","status":"publish","type":"post","link":"https:\/\/www.viz-read.com\/ru\/1360-2\/","title":{"rendered":"\u0411\u0443\u0434\u0443\u0449\u0435\u0435 \u0438\u043d\u0436\u0435\u043d\u0435\u0440\u0438\u0438 \u043f\u0440\u043e\u0433\u0440\u0430\u043c\u043c\u043d\u043e\u0433\u043e \u043e\u0431\u0435\u0441\u043f\u0435\u0447\u0435\u043d\u0438\u044f: \u043b\u044e\u0434\u0438 + \u0418\u0418"},"content":{"rendered":"<p data-nodeid=\"63590\">\u041c\u043d\u0435\u043d\u0438\u0435, \u0447\u0442\u043e \u0418\u0418 \u0441\u0434\u0435\u043b\u0430\u0435\u0442 \u0431\u043e\u043b\u044c\u0448\u0438\u043d\u0441\u0442\u0432\u043e \u0438\u043d\u0436\u0435\u043d\u0435\u0440\u043e\u0432 \u043f\u0440\u043e\u0433\u0440\u0430\u043c\u043c\u043d\u043e\u0433\u043e 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\u0437\u0430\u043c\u0435\u043d\u0438\u0442 \u0431\u043e\u043b\u044c\u0448\u0438\u043d\u0441\u0442\u0432\u043e \u0438\u043d\u0436\u0435\u043d\u0435\u0440\u043e\u0432 \u043f\u0440\u043e\u0433\u0440\u0430\u043c\u043c\u043d\u043e\u0433\u043e \u043e\u0431\u0435\u0441\u043f\u0435\u0447\u0435\u043d\u0438\u044f. \u0412\u043e\u0442 \u0441\u0431\u0430\u043b\u0430\u043d\u0441\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u044b\u0439 \u043f\u0440\u043e\u0433\u043d\u043e\u0437 \u043d\u0430 \u043e\u0441\u043d\u043e\u0432\u0435 \u0442\u0435\u043a\u0443\u0449\u0438\u0445 \u0442\u0435\u043d\u0434\u0435\u043d\u0446\u0438\u0439 \u0438 \u0430\u043d\u0430\u043b\u0438\u0437\u0430 \u044d\u043a\u0441\u043f\u0435\u0440\u0442\u043e\u0432:<\/p>\n<p id=\"ddRqWZR\"><img fetchpriority=\"high\" alt=\"\" class=\"alignnone wp-image-1369 size-large\" decoding=\"async\" fetchpriority=\"high\" height=\"459\" sizes=\"(max-width: 709px) 85vw, (max-width: 909px) 67vw, (max-width: 1362px) 62vw, 840px\" src=\"https:\/\/www.viz-read.com\/wp-content\/uploads\/2026\/03\/img_69b1170f3151a-1024x559.png\" srcset=\"https:\/\/www.viz-read.com\/wp-content\/uploads\/2026\/03\/img_69b1170f3151a-1024x559.png 1024w, https:\/\/www.viz-read.com\/wp-content\/uploads\/2026\/03\/img_69b1170f3151a-300x164.png 300w, https:\/\/www.viz-read.com\/wp-content\/uploads\/2026\/03\/img_69b1170f3151a-768x419.png 768w, https:\/\/www.viz-read.com\/wp-content\/uploads\/2026\/03\/img_69b1170f3151a-1200x655.png 1200w, https:\/\/www.viz-read.com\/wp-content\/uploads\/2026\/03\/img_69b1170f3151a.png 1408w\" width=\"840\"\/><\/p>\n<h3 data-nodeid=\"63591\">1.\u00a0<strong data-nodeid=\"63705\">\u0418\u0418 \u0443\u0441\u0438\u043b\u0438\u0432\u0430\u0435\u0442, \u0430 \u043d\u0435 \u0437\u0430\u043c\u0435\u043d\u044f\u0435\u0442 \u0438\u043d\u0436\u0435\u043d\u0435\u0440\u043e\u0432<\/strong><\/h3>\n<p data-nodeid=\"63592\">\u0418\u0418-\u0438\u043d\u0441\u0442\u0440\u0443\u043c\u0435\u043d\u0442\u044b, \u0442\u0430\u043a\u0438\u0435 \u043a\u0430\u043a GitHub Copilot, Amazon CodeWhisperer \u0438 \u043a\u043e\u0434\u0438\u0440\u043e\u0432\u0449\u0438\u043a\u0438 Google, \u043e\u0441\u043d\u043e\u0432\u0430\u043d\u043d\u044b\u0435 \u043d\u0430 \u0418\u0418, \u0441\u0442\u0430\u043d\u043e\u0432\u044f\u0442\u0441\u044f \u043c\u043e\u0449\u043d\u044b\u043c\u0438 \u043f\u043e\u043c\u043e\u0449\u043d\u0438\u043a\u0430\u043c\u0438. \u041e\u043d\u0438 \u043c\u043e\u0433\u0443\u0442:<\/p>\n<ul data-nodeid=\"63593\">\n<li data-nodeid=\"63594\">\n<p data-nodeid=\"63595\">\u0410\u0432\u0442\u043e\u043c\u0430\u0442\u0438\u0447\u0435\u0441\u043a\u0438 \u0437\u0430\u0432\u0435\u0440\u0448\u0430\u0442\u044c \u0444\u0440\u0430\u0433\u043c\u0435\u043d\u0442\u044b \u043a\u043e\u0434\u0430<\/p>\n<\/li>\n<li data-nodeid=\"63596\">\n<p data-nodeid=\"63597\">\u041f\u0440\u0435\u0434\u043b\u0430\u0433\u0430\u0442\u044c \u0443\u043b\u0443\u0447\u0448\u0435\u043d\u0438\u044f<\/p>\n<\/li>\n<li data-nodeid=\"63598\">\n<p data-nodeid=\"63599\">\u0413\u0435\u043d\u0435\u0440\u0438\u0440\u043e\u0432\u0430\u0442\u044c \u0448\u0430\u0431\u043b\u043e\u043d\u043d\u044b\u0439 \u043a\u043e\u0434<\/p>\n<\/li>\n<li data-nodeid=\"63600\">\n<p data-nodeid=\"63601\">\u041f\u043e\u043c\u043e\u0433\u0430\u0442\u044c \u0443\u0441\u0442\u0440\u0430\u043d\u044f\u0442\u044c \u043e\u0448\u0438\u0431\u043a\u0438<\/p>\n<\/li>\n<\/ul>\n<p data-nodeid=\"63602\">\u042d\u0442\u0438 \u0438\u043d\u0441\u0442\u0440\u0443\u043c\u0435\u043d\u0442\u044b<strong data-nodeid=\"63716\">\u043f\u043e\u0432\u044b\u0448\u0430\u044e\u0442 \u043f\u0440\u043e\u0438\u0437\u0432\u043e\u0434\u0438\u0442\u0435\u043b\u044c\u043d\u043e\u0441\u0442\u044c<\/strong>\u2014\u0430 \u043d\u0435 \u0443\u0441\u0442\u0440\u0430\u043d\u044f\u044e\u0442 \u0440\u0430\u0431\u043e\u0447\u0438\u0435 \u043c\u0435\u0441\u0442\u0430. \u0418\u043d\u0436\u0435\u043d\u0435\u0440\u044b \u0442\u0435\u043f\u0435\u0440\u044c \u043c\u043e\u0433\u0443\u0442 \u0431\u043e\u043b\u044c\u0448\u0435 \u0441\u043e\u0441\u0440\u0435\u0434\u043e\u0442\u043e\u0447\u0438\u0442\u044c\u0441\u044f \u043d\u0430 \u0432\u044b\u0441\u043e\u043a\u043e\u043c \u0443\u0440\u043e\u0432\u043d\u0435 \u043f\u0440\u043e\u0435\u043a\u0442\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f, \u0430\u0440\u0445\u0438\u0442\u0435\u043a\u0442\u0443\u0440\u0435 \u0438 \u0440\u0435\u0448\u0435\u043d\u0438\u0438 \u0437\u0430\u0434\u0430\u0447, \u0430 \u043d\u0435 \u043d\u0430 \u043f\u043e\u0432\u0442\u043e\u0440\u044f\u044e\u0449\u0435\u0439\u0441\u044f \u0440\u0430\u0437\u0440\u0430\u0431\u043e\u0442\u043a\u0435 \u043a\u043e\u0434\u0430.<\/p>\n<blockquote data-nodeid=\"63603\">\n<p data-nodeid=\"63604\">\ud83d\udd0d\u00a0<strong data-nodeid=\"63722\">\u041f\u0440\u043e\u0432\u0435\u0440\u043a\u0430 \u0440\u0435\u0430\u043b\u044c\u043d\u043e\u0441\u0442\u0438<\/strong>: \u041e\u0442\u0447\u0435\u0442 Stanford AI Index \u0437\u0430 2023 \u0433\u043e\u0434 \u043f\u043e\u043a\u0430\u0437\u0430\u043b, \u0447\u0442\u043e \u0418\u0418-\u0438\u043d\u0441\u0442\u0440\u0443\u043c\u0435\u043d\u0442\u044b \u043f\u043e\u043c\u043e\u0433\u0430\u044e\u0442 \u0440\u0430\u0437\u0440\u0430\u0431\u043e\u0442\u0447\u0438\u043a\u0430\u043c \u043f\u0438\u0441\u0430\u0442\u044c \u043a\u043e\u0434 \u0431\u044b\u0441\u0442\u0440\u0435\u0435 \u0438 \u0441 \u043c\u0435\u043d\u044c\u0448\u0438\u043c \u043a\u043e\u043b\u0438\u0447\u0435\u0441\u0442\u0432\u043e\u043c \u043e\u0448\u0438\u0431\u043e\u043a, \u043d\u043e \u043d\u0435 \u0437\u0430\u043c\u0435\u043d\u044f\u044e\u0442 \u0438\u0445.<\/p>\n<\/blockquote>\n<hr data-nodeid=\"63605\"\/>\n<h3 data-nodeid=\"63606\">2.\u00a0<strong data-nodeid=\"63727\">\u0420\u0438\u0441\u043a\u043e\u0432\u0430\u043d\u043d\u044b\u0435 \u0440\u0430\u0431\u043e\u0447\u0438\u0435 \u043c\u0435\u0441\u0442\u0430 \u2014 \u043d\u0435 \u0432\u0441\u0435 \u0438\u043d\u0436\u0435\u043d\u0435\u0440\u043d\u044b\u0435 \u0434\u043e\u043b\u0436\u043d\u043e\u0441\u0442\u0438 \u0432 \u043e\u0431\u043b\u0430\u0441\u0442\u0438 \u043f\u0440\u043e\u0433\u0440\u0430\u043c\u043c\u043d\u043e\u0433\u043e \u043e\u0431\u0435\u0441\u043f\u0435\u0447\u0435\u043d\u0438\u044f<\/strong><\/h3>\n<p data-nodeid=\"63607\">\u041e\u043f\u0440\u0435\u0434\u0435\u043b\u0451\u043d\u043d\u044b\u0435<strong data-nodeid=\"63733\">\u0440\u0443\u0442\u0438\u043d\u043d\u044b\u0435, \u043f\u043e\u0432\u0442\u043e\u0440\u044f\u044e\u0449\u0438\u0435\u0441\u044f \u0437\u0430\u0434\u0430\u0447\u0438<\/strong>\u043d\u0430\u0438\u0431\u043e\u043b\u0435\u0435 \u0443\u044f\u0437\u0432\u0438\u043c\u044b:<\/p>\n<ul data-nodeid=\"63608\">\n<li data-nodeid=\"63609\">\n<p data-nodeid=\"63610\">\u041d\u0430\u043f\u0438\u0441\u0430\u043d\u0438\u0435 \u0431\u0430\u0437\u043e\u0432\u044b\u0445 \u043e\u043f\u0435\u0440\u0430\u0446\u0438\u0439 CRUD<\/p>\n<\/li>\n<li data-nodeid=\"63611\">\n<p data-nodeid=\"63612\">\u0413\u0435\u043d\u0435\u0440\u0430\u0446\u0438\u044f \u043f\u0440\u043e\u0441\u0442\u044b\u0445 \u0442\u0435\u0441\u0442\u043e\u0432\u044b\u0445 \u0441\u043b\u0443\u0447\u0430\u0435\u0432<\/p>\n<\/li>\n<li data-nodeid=\"63613\">\n<p data-nodeid=\"63614\">\u0418\u0441\u043f\u0440\u0430\u0432\u043b\u0435\u043d\u0438\u0435 \u0441\u0438\u043d\u0442\u0430\u043a\u0441\u0438\u0447\u0435\u0441\u043a\u0438\u0445 \u043e\u0448\u0438\u0431\u043e\u043a<\/p>\n<\/li>\n<li data-nodeid=\"63615\">\n<p data-nodeid=\"63616\">\u0414\u043e\u043a\u0443\u043c\u0435\u043d\u0442\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435 \u043a\u043e\u0434\u0430<\/p>\n<\/li>\n<\/ul>\n<p data-nodeid=\"63617\">\u042d\u0442\u0438 \u0437\u0430\u0434\u0430\u0447\u0438 \u043c\u043e\u0433\u0443\u0442 \u0431\u044b\u0442\u044c \u0430\u0432\u0442\u043e\u043c\u0430\u0442\u0438\u0437\u0438\u0440\u043e\u0432\u0430\u043d\u044b, \u043d\u043e \u043e\u043d\u0438 \u0441\u043e\u0441\u0442\u0430\u0432\u043b\u044f\u044e\u0442 \u043b\u0438\u0448\u044c \u043d\u0435\u0431\u043e\u043b\u044c\u0448\u0443\u044e \u0447\u0430\u0441\u0442\u044c<strong data-nodeid=\"63743\">\u0447\u0430\u0441\u0442\u044c<\/strong>\u0440\u043e\u043b\u0438 \u0438\u043d\u0436\u0435\u043d\u0435\u0440\u0430 \u043f\u0440\u043e\u0433\u0440\u0430\u043c\u043c\u043d\u043e\u0433\u043e \u043e\u0431\u0435\u0441\u043f\u0435\u0447\u0435\u043d\u0438\u044f.<\/p>\n<blockquote data-nodeid=\"63618\">\n<p data-nodeid=\"63619\">\ud83d\udccc\u00a0<strong data-nodeid=\"63751\">\u041f\u0440\u043e\u0433\u043d\u043e\u0437<\/strong>: \u0421\u043e\u0433\u043b\u0430\u0441\u043d\u043e McKinsey &amp; Company, \u0434\u043e 20\u201330% \u0440\u0443\u0442\u0438\u043d\u043d\u044b\u0445 \u0437\u0430\u0434\u0430\u0447 \u043f\u043e \u043f\u0440\u043e\u0433\u0440\u0430\u043c\u043c\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044e \u043c\u043e\u0433\u0443\u0442 \u0431\u044b\u0442\u044c \u0430\u0432\u0442\u043e\u043c\u0430\u0442\u0438\u0437\u0438\u0440\u043e\u0432\u0430\u043d\u044b \u043a 2030 \u0433\u043e\u0434\u0443.<\/p>\n<\/blockquote>\n<hr data-nodeid=\"63620\"\/>\n<h3 data-nodeid=\"63621\">3.\u00a0<strong data-nodeid=\"63756\">\u0421\u043f\u0440\u043e\u0441 \u043d\u0430 \u0438\u043d\u0436\u0435\u043d\u0435\u0440\u043e\u0432 \u043f\u0440\u043e\u0434\u043e\u043b\u0436\u0430\u0435\u0442 \u0440\u0430\u0441\u0442\u0438<\/strong><\/h3>\n<p data-nodeid=\"63622\">\u041d\u0435\u0441\u043c\u043e\u0442\u0440\u044f \u043d\u0430 \u0434\u043e\u0441\u0442\u0438\u0436\u0435\u043d\u0438\u044f \u0432 \u043e\u0431\u043b\u0430\u0441\u0442\u0438 \u0418\u0418, \u0441\u043f\u0440\u043e\u0441 \u043d\u0430 \u043f\u0440\u043e\u0433\u0440\u0430\u043c\u043c\u0438\u0441\u0442\u043e\u0432 \u043e\u0441\u0442\u0430\u0435\u0442\u0441\u044f \u0432\u044b\u0441\u043e\u043a\u0438\u043c \u0438\u0437-\u0437\u0430:<\/p>\n<ul data-nodeid=\"63623\">\n<li data-nodeid=\"63624\">\n<p data-nodeid=\"63625\">\u0412\u0437\u0440\u044b\u0432\u043d\u043e\u0439 \u0440\u043e\u0441\u0442 \u0446\u0438\u0444\u0440\u043e\u0432\u044b\u0445 \u0443\u0441\u043b\u0443\u0433 (\u043f\u0440\u0438\u043b\u043e\u0436\u0435\u043d\u0438\u044f, \u043e\u0431\u043b\u0430\u0447\u043d\u044b\u0435 \u0442\u0435\u0445\u043d\u043e\u043b\u043e\u0433\u0438\u0438, \u0418\u043d\u0442\u0435\u0440\u043d\u0435\u0442 \u0432\u0435\u0449\u0435\u0439, \u0441\u0430\u043c \u0418\u0418)<\/p>\n<\/li>\n<li data-nodeid=\"63626\">\n<p data-nodeid=\"63627\">\u041d\u0435\u043e\u0431\u0445\u043e\u0434\u0438\u043c\u043e\u0441\u0442\u044c \u0432 \u043a\u0438\u0431\u0435\u0440\u0431\u0435\u0437\u043e\u043f\u0430\u0441\u043d\u043e\u0441\u0442\u0438<\/p>\n<\/li>\n<li data-nodeid=\"63628\">\n<p data-nodeid=\"63629\">\u0418\u043d\u0442\u0435\u0433\u0440\u0430\u0446\u0438\u044f \u0418\u0418 \u0432 \u0441\u0443\u0449\u0435\u0441\u0442\u0432\u0443\u044e\u0449\u0438\u0435 \u0441\u0438\u0441\u0442\u0435\u043c\u044b<\/p>\n<\/li>\n<li data-nodeid=\"63630\">\n<p data-nodeid=\"63631\">\u0423\u0441\u0442\u0430\u0440\u0435\u0432\u0448\u0430\u044f \u0438\u043d\u0444\u0440\u0430\u0441\u0442\u0440\u0443\u043a\u0442\u0443\u0440\u0430, \u0442\u0440\u0435\u0431\u0443\u044e\u0449\u0430\u044f \u043c\u043e\u0434\u0435\u0440\u043d\u0438\u0437\u0430\u0446\u0438\u0438<\/p>\n<\/li>\n<\/ul>\n<blockquote data-nodeid=\"63632\">\n<p data-nodeid=\"63633\">\ud83d\udcc8\u00a0<strong data-nodeid=\"63771\">\u0411\u044e\u0440\u043e \u0441\u0442\u0430\u0442\u0438\u0441\u0442\u0438\u043a\u0438 \u0442\u0440\u0443\u0434\u0430 \u0421\u0428\u0410 (2023)<\/strong>: \u0412\u0430\u043a\u0430\u043d\u0441\u0438\u0438 \u043f\u0440\u043e\u0433\u0440\u0430\u043c\u043c\u0438\u0441\u0442\u043e\u0432, \u043a\u0430\u043a \u043e\u0436\u0438\u0434\u0430\u0435\u0442\u0441\u044f, \u0432\u044b\u0440\u0430\u0441\u0442\u0443\u0442 \u043d\u0430<strong data-nodeid=\"63772\">25% \u0441 2022 \u043f\u043e 2032 \u0433\u043e\u0434<\/strong>\u2014\u0437\u043d\u0430\u0447\u0438\u0442\u0435\u043b\u044c\u043d\u043e \u0431\u044b\u0441\u0442\u0440\u0435\u0435 \u0441\u0440\u0435\u0434\u043d\u0435\u0433\u043e \u0443\u0440\u043e\u0432\u043d\u044f.<\/p>\n<\/blockquote>\n<hr data-nodeid=\"63634\"\/>\n<h3 data-nodeid=\"63635\">4.\u00a0<strong data-nodeid=\"63777\">\u041f\u043e\u044f\u0432\u043b\u044f\u044e\u0442\u0441\u044f \u043d\u043e\u0432\u044b\u0435 \u0440\u043e\u043b\u0438<\/strong><\/h3>\n<p data-nodeid=\"63636\">\u0418\u0418 \u043d\u0435 \u043f\u0440\u043e\u0441\u0442\u043e \u0443\u043d\u0438\u0447\u0442\u043e\u0436\u0430\u0435\u0442 \u0440\u0430\u0431\u043e\u0447\u0438\u0435 \u043c\u0435\u0441\u0442\u0430 \u2014 \u043e\u043d \u0441\u043e\u0437\u0434\u0430\u0435\u0442 \u043d\u043e\u0432\u044b\u0435:<\/p>\n<ul data-nodeid=\"63637\">\n<li data-nodeid=\"63638\">\n<p data-nodeid=\"63639\">\u0418\u043d\u0436\u0435\u043d\u0435\u0440\u044b \u043f\u043e \u0418\u0418\/\u041c\u041b<\/p>\n<\/li>\n<li data-nodeid=\"63640\">\n<p data-nodeid=\"63641\">\u0418\u043d\u0436\u0435\u043d\u0435\u0440\u044b \u043f\u043e \u0437\u0430\u043f\u0440\u043e\u0441\u0430\u043c (\u0434\u043b\u044f \u0441\u0438\u0441\u0442\u0435\u043c \u0418\u0418)<\/p>\n<\/li>\n<li data-nodeid=\"63642\">\n<p data-nodeid=\"63643\">\u0421\u043f\u0435\u0446\u0438\u0430\u043b\u0438\u0441\u0442\u044b \u043f\u043e \u044d\u0442\u0438\u043a\u0435 \u0438 \u0431\u0435\u0437\u043e\u043f\u0430\u0441\u043d\u043e\u0441\u0442\u0438 \u0418\u0418<\/p>\n<\/li>\n<li data-nodeid=\"63644\">\n<p data-nodeid=\"63645\">\u0418\u043d\u0442\u0435\u0433\u0440\u0430\u0442\u043e\u0440\u044b \u0441\u0438\u0441\u0442\u0435\u043c \u0418\u0418<\/p>\n<\/li>\n<li data-nodeid=\"63646\">\n<p data-nodeid=\"63647\">\u0414\u0438\u0437\u0430\u0439\u043d\u0435\u0440\u044b \u0441\u0438\u0441\u0442\u0435\u043c \u0441 \u0443\u0447\u0430\u0441\u0442\u0438\u0435\u043c \u0447\u0435\u043b\u043e\u0432\u0435\u043a\u0430<\/p>\n<\/li>\n<\/ul>\n<p data-nodeid=\"63648\">\u0418\u043d\u0436\u0435\u043d\u0435\u0440\u044b, \u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u0430\u0434\u0430\u043f\u0442\u0438\u0440\u0443\u044e\u0442\u0441\u044f \u0438 \u0443\u0447\u0430\u0442\u0441\u044f \u0440\u0430\u0431\u043e\u0442\u0430\u0442\u044c \u0441 \u0418\u0418, \u0431\u0443\u0434\u0443\u0442 \u0432 \u0432\u044b\u0441\u043e\u043a\u043e\u043c \u0441\u043f\u0440\u043e\u0441\u0435.<\/p>\n<hr data-nodeid=\"63649\"\/>\n<h3 data-nodeid=\"63650\">5.\u00a0<strong data-nodeid=\"63789\">\u0420\u0435\u0430\u043b\u044c\u043d\u0430\u044f \u0443\u0433\u0440\u043e\u0437\u0430: \u043d\u0435\u0441\u043f\u043e\u0441\u043e\u0431\u043d\u043e\u0441\u0442\u044c, \u0430 \u043d\u0435 \u0430\u0432\u0442\u043e\u043c\u0430\u0442\u0438\u0437\u0430\u0446\u0438\u044f<\/strong><\/h3>\n<p data-nodeid=\"63651\">\u0421\u0430\u043c\u0430\u044f \u0431\u043e\u043b\u044c\u0448\u0430\u044f \u0443\u0433\u0440\u043e\u0437\u0430 \u2014 \u043d\u0435 \u0442\u043e, \u0447\u0442\u043e \u0418\u0418 \u0437\u0430\u0431\u0438\u0440\u0430\u0435\u0442 \u0440\u0430\u0431\u043e\u0447\u0438\u0435 \u043c\u0435\u0441\u0442\u0430, \u0430 \u0442\u043e, \u0447\u0442\u043e<strong data-nodeid=\"63795\">\u0438\u043d\u0436\u0435\u043d\u0435\u0440\u044b, \u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u043d\u0435 \u0430\u0434\u0430\u043f\u0442\u0438\u0440\u0443\u044e\u0442\u0441\u044f<\/strong>. \u0422\u0435, \u043a\u0442\u043e \u043f\u043e\u043b\u0430\u0433\u0430\u0435\u0442\u0441\u044f \u0438\u0441\u043a\u043b\u044e\u0447\u0438\u0442\u0435\u043b\u044c\u043d\u043e \u043d\u0430 \u0431\u0430\u0437\u043e\u0432\u044b\u0435 \u043d\u0430\u0432\u044b\u043a\u0438 \u043f\u0440\u043e\u0433\u0440\u0430\u043c\u043c\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f \u0431\u0435\u0437 \u043f\u043e\u043d\u0438\u043c\u0430\u043d\u0438\u044f \u0430\u0440\u0445\u0438\u0442\u0435\u043a\u0442\u0443\u0440\u044b, \u043f\u0440\u043e\u0435\u043a\u0442\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u044f \u0441\u0438\u0441\u0442\u0435\u043c \u0438\u043b\u0438 \u0440\u0435\u0448\u0435\u043d\u0438\u044f \u0437\u0430\u0434\u0430\u0447, \u043c\u043e\u0433\u0443\u0442 \u0441\u0442\u043e\u043b\u043a\u043d\u0443\u0442\u044c\u0441\u044f \u0441 \u0442\u0440\u0443\u0434\u043d\u043e\u0441\u0442\u044f\u043c\u0438 \u0432 \u0441\u043e\u0445\u0440\u0430\u043d\u0435\u043d\u0438\u0438 \u0430\u043a\u0442\u0443\u0430\u043b\u044c\u043d\u043e\u0441\u0442\u0438.<\/p>\n<blockquote data-nodeid=\"63652\">\n<p data-nodeid=\"63653\">\u2705\u00a0<strong data-nodeid=\"63801\">\u0421\u0442\u0440\u0430\u0442\u0435\u0433\u0438\u044f \u0432\u044b\u0436\u0438\u0432\u0430\u043d\u0438\u044f<\/strong>: \u0421\u043e\u0441\u0440\u0435\u0434\u043e\u0442\u043e\u0447\u044c\u0442\u0435\u0441\u044c \u043d\u0430:<\/p>\n<ul data-nodeid=\"63654\">\n<li data-nodeid=\"63655\">\n<p data-nodeid=\"63656\">\u0420\u0435\u0448\u0435\u043d\u0438\u0435 \u043f\u0440\u043e\u0431\u043b\u0435\u043c \u0438 \u043a\u0440\u0438\u0442\u0438\u0447\u0435\u0441\u043a\u043e\u0435 \u043c\u044b\u0448\u043b\u0435\u043d\u0438\u0435<\/p>\n<\/li>\n<li data-nodeid=\"63657\">\n<p data-nodeid=\"63658\">\u041f\u0440\u043e\u0435\u043a\u0442\u0438\u0440\u043e\u0432\u0430\u043d\u0438\u0435 \u0441\u0438\u0441\u0442\u0435\u043c \u0438 \u0430\u0440\u0445\u0438\u0442\u0435\u043a\u0442\u0443\u0440\u0430<\/p>\n<\/li>\n<li data-nodeid=\"63659\">\n<p data-nodeid=\"63660\">\u042d\u043a\u0441\u043f\u0435\u0440\u0442\u043d\u044b\u0435 \u0437\u043d\u0430\u043d\u0438\u044f \u0432 \u043e\u0431\u043b\u0430\u0441\u0442\u0438 (\u043d\u0430\u043f\u0440\u0438\u043c\u0435\u0440, \u0444\u0438\u043d\u0430\u043d\u0441\u044b, \u0437\u0434\u0440\u0430\u0432\u043e\u043e\u0445\u0440\u0430\u043d\u0435\u043d\u0438\u0435)<\/p>\n<\/li>\n<li data-nodeid=\"63661\">\n<p data-nodeid=\"63662\">\u042d\u0444\u0444\u0435\u043a\u0442\u0438\u0432\u043d\u0430\u044f \u0440\u0430\u0431\u043e\u0442\u0430 \u0441 \u0438\u043d\u0441\u0442\u0440\u0443\u043c\u0435\u043d\u0442\u0430\u043c\u0438 \u0418\u0418<\/p>\n<\/li>\n<\/ul>\n<\/blockquote>\n<hr data-nodeid=\"63663\"\/>\n<h3 data-nodeid=\"63664\">\u0424\u0438\u043d\u0430\u043b\u044c\u043d\u044b\u0439 \u043f\u0440\u043e\u0433\u043d\u043e\u0437 (2025\u20132035):<\/h3>\n<table data-nodeid=\"63666\">\n<thead data-nodeid=\"63667\">\n<tr data-nodeid=\"63668\">\n<th data-nodeid=\"63670\">\u0420\u0435\u0437\u0443\u043b\u044c\u0442\u0430\u0442<\/th>\n<th data-nodeid=\"63671\">\u0412\u0435\u0440\u043e\u044f\u0442\u043d\u043e\u0441\u0442\u044c<\/th>\n<\/tr>\n<\/thead>\n<tbody data-nodeid=\"63674\">\n<tr data-nodeid=\"63675\">\n<td data-nodeid=\"63676\">\u0411\u043e\u043b\u044c\u0448\u0438\u043d\u0441\u0442\u0432\u043e \u0438\u043d\u0436\u0435\u043d\u0435\u0440\u043e\u0432-\u043f\u0440\u043e\u0433\u0440\u0430\u043c\u043c\u0438\u0441\u0442\u043e\u0432 \u0443\u0441\u0442\u0430\u0440\u0435\u044e\u0442<\/td>\n<td data-nodeid=\"63677\">\u274c \u041e\u0447\u0435\u043d\u044c \u043d\u0438\u0437\u043a\u0430\u044f (\u043c\u0435\u043d\u0435\u0435 5%)<\/td>\n<\/tr>\n<tr data-nodeid=\"63678\">\n<td data-nodeid=\"63679\">\u041c\u043d\u043e\u0433\u0438\u0435 \u0438\u043d\u0436\u0435\u043d\u0435\u0440\u044b \u0442\u0435\u0440\u044f\u044e\u0442 \u0440\u0443\u0442\u0438\u043d\u043d\u044b\u0435 \u0437\u0430\u0434\u0430\u0447\u0438 \u0438\u0437-\u0437\u0430 \u0418\u0418<\/td>\n<td data-nodeid=\"63680\">\u2705 \u0412\u0435\u0440\u043e\u044f\u0442\u043d\u043e (20\u201330%)<\/td>\n<\/tr>\n<tr data-nodeid=\"63681\">\n<td data-nodeid=\"63682\">\u0421\u043f\u0440\u043e\u0441 \u043d\u0430 \u043a\u0432\u0430\u043b\u0438\u0444\u0438\u0446\u0438\u0440\u043e\u0432\u0430\u043d\u043d\u044b\u0445 \u0438\u043d\u0436\u0435\u043d\u0435\u0440\u043e\u0432 \u0440\u0430\u0441\u0442\u0451\u0442<\/td>\n<td data-nodeid=\"63683\">\u2705 \u041e\u0447\u0435\u043d\u044c \u0432\u0435\u0440\u043e\u044f\u0442\u043d\u043e<\/td>\n<\/tr>\n<tr data-nodeid=\"63684\">\n<td data-nodeid=\"63685\">\u041f\u043e\u044f\u0432\u043b\u044f\u044e\u0442\u0441\u044f \u043d\u043e\u0432\u044b\u0435 \u0440\u043e\u043b\u0438, \u0443\u0441\u0438\u043b\u0435\u043d\u043d\u044b\u0435 \u0418\u0418<\/td>\n<td data-nodeid=\"63686\">\u2705 \u041e\u0447\u0435\u043d\u044c \u0432\u0435\u0440\u043e\u044f\u0442\u043d\u043e<\/td>\n<\/tr>\n<tr data-nodeid=\"63687\">\n<td data-nodeid=\"63688\">\u0418\u043d\u0436\u0435\u043d\u0435\u0440\u044b, \u043a\u043e\u0442\u043e\u0440\u044b\u0435 \u0430\u0434\u0430\u043f\u0442\u0438\u0440\u0443\u044e\u0442\u0441\u044f, \u043f\u0440\u043e\u0446\u0432\u0435\u0442\u0430\u044e\u0442<\/td>\n<td data-nodeid=\"63689\">\u2705 \u0412\u044b\u0441\u043e\u043a\u0430\u044f \u0432\u0435\u0440\u043e\u044f\u0442\u043d\u043e\u0441\u0442\u044c<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<hr data-nodeid=\"63690\"\/>\n<h3 data-nodeid=\"63691\">\u041e\u0441\u043d\u043e\u0432\u043d\u043e\u0439 \u0432\u044b\u0432\u043e\u0434:<\/h3>\n<blockquote data-nodeid=\"63692\">\n<p data-nodeid=\"63693\"><strong data-nodeid=\"63827\">\u0418\u0418 \u043d\u0435 \u0437\u0430\u043c\u0435\u043d\u0438\u0442 \u0438\u043d\u0436\u0435\u043d\u0435\u0440\u043e\u0432-\u043f\u0440\u043e\u0433\u0440\u0430\u043c\u043c\u0438\u0441\u0442\u043e\u0432, \u043d\u043e \u0438\u043d\u0436\u0435\u043d\u0435\u0440\u044b, \u0438\u0441\u043f\u043e\u043b\u044c\u0437\u0443\u044e\u0449\u0438\u0435 \u0418\u0418, \u0437\u0430\u043c\u0435\u043d\u044f\u0442 \u0442\u0435\u0445, \u043a\u0442\u043e \u044d\u0442\u043e\u0433\u043e \u043d\u0435 \u0434\u0435\u043b\u0430\u0435\u0442.<\/strong><\/p>\n<\/blockquote>\n<p data-nodeid=\"63694\">\u0411\u0443\u0434\u0443\u0449\u0435\u0435 \u2014 \u043d\u0435 \u043e \u043f\u0440\u043e\u0442\u0438\u0432\u043e\u0441\u0442\u043e\u044f\u043d\u0438\u0438 \u043b\u044e\u0434\u0435\u0439 \u0438 \u0418\u0418. \u042d\u0442\u043e \u043e \u0442\u043e\u043c, \u0447\u0442\u043e\u00a0<strong data-nodeid=\"63833\">\u043b\u044e\u0434\u0438 + 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