{"id":3013,"date":"2020-05-12T11:16:55","date_gmt":"2020-05-12T11:16:55","guid":{"rendered":"https:\/\/financialplanners.gr\/?p=3013"},"modified":"2020-05-12T11:16:55","modified_gmt":"2020-05-12T11:16:55","slug":"ey-i-pandimia-allazei-rizika-tis-katanalotikes-symperifores","status":"publish","type":"post","link":"https:\/\/wealthplanning.gr\/en\/ey-i-pandimia-allazei-rizika-tis-katanalotikes-symperifores\/","title":{"rendered":"EY: \u0397 \u03c0\u03b1\u03bd\u03b4\u03b7\u03bc\u03af\u03b1 \u03b1\u03bb\u03bb\u03ac\u03b6\u03b5\u03b9 \u03c1\u03b9\u03b6\u03b9\u03ba\u03ac \u03c4\u03b9\u03c2 \u03ba\u03b1\u03c4\u03b1\u03bd\u03b1\u03bb\u03c9\u03c4\u03b9\u03ba\u03ad\u03c2 \u03c3\u03c5\u03bc\u03c0\u03b5\u03c1\u03b9\u03c6\u03bf\u03c1\u03ad\u03c2"},"content":{"rendered":"<p class=\"wp-block-paragraph\">\u03a4\u03ad\u03c3\u03c3\u03b5\u03c1\u03b9\u03c2 \u03bd\u03ad\u03b5\u03c2 \u03c4\u03ac\u03c3\u03b5\u03b9\u03c2 \u03ba\u03b1\u03c4\u03b1\u03bd\u03b1\u03bb\u03c9\u03c4\u03b9\u03ba\u03ae\u03c2 \u03c3\u03c5\u03bc\u03c0\u03b5\u03c1\u03b9\u03c6\u03bf\u03c1\u03ac\u03c2 \u03ad\u03c7\u03b5\u03b9 \u03b1\u03bd\u03b1\u03b4\u03b5\u03af\u03be\u03b5\u03b9 \u03b7 \u03ba\u03c1\u03af\u03c3\u03b7 \u03c4\u03bf\u03c5 COVID-19, \u03c3\u03cd\u03bc\u03c6\u03c9\u03bd\u03b1 \u03bc\u03b5 \u03c4\u03b7 \u03bd\u03ad\u03b1 \u03ad\u03c1\u03b5\u03c5\u03bd\u03b1 \u03c4\u03b7\u03c2 \u0395\u03a5,\u00a0<a rel=\"noreferrer noopener\" href=\"https:\/\/www.ey.com\/en_us\/consumer-products-retail\/how-covid-19-could-change-consumer-behavior\" target=\"_blank\">Future Consumer Index<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0397 \u03c3\u03c5\u03b3\u03ba\u03b5\u03ba\u03c1\u03b9\u03bc\u03ad\u03bd\u03b7 \u03ad\u03c1\u03b5\u03c5\u03bd\u03b1 \u03c0\u03b1\u03c1\u03b1\u03ba\u03bf\u03bb\u03bf\u03c5\u03b8\u03b5\u03af \u03c4\u03b7\u03bd \u03ba\u03b1\u03c4\u03b1\u03bd\u03b1\u03bb\u03c9\u03c4\u03b9\u03ba\u03ae \u03b4\u03b9\u03ac\u03b8\u03b5\u03c3\u03b7 \u03ba\u03b1\u03b9 \u03c3\u03c5\u03bc\u03c0\u03b5\u03c1\u03b9\u03c6\u03bf\u03c1\u03ac 4.859 \u03b1\u03c4\u03cc\u03bc\u03c9\u03bd \u03c3\u03c4\u03b9\u03c2 \u0397\u03a0\u0391, \u03c4\u03bf\u03bd \u039a\u03b1\u03bd\u03b1\u03b4\u03ac, \u03c4\u03bf \u0397\u03bd\u03c9\u03bc\u03ad\u03bd\u03bf \u0392\u03b1\u03c3\u03af\u03bb\u03b5\u03b9\u03bf, \u03c4\u03b7 \u0393\u03b1\u03bb\u03bb\u03af\u03b1 \u03ba\u03b1\u03b9 \u03c4\u03b7 \u0393\u03b5\u03c1\u03bc\u03b1\u03bd\u03af\u03b1. \u0397 \u03ad\u03c1\u03b5\u03c5\u03bd\u03b1 (\u03b4\u03b9\u03b5\u03be\u03ae\u03c7\u03b8\u03b7 \u03c4\u03b7\u03bd \u03b5\u03b2\u03b4\u03bf\u03bc\u03ac\u03b4\u03b1 6-10 \u0391\u03c0\u03c1\u03b9\u03bb\u03af\u03bf\u03c5) \u03bf\u03bd\u03bf\u03bc\u03ac\u03b6\u03b5\u03b9 \u03c4\u03b9\u03c2 \u03c4\u03ac\u03c3\u03b5\u03b9\u03c2 \u03b1\u03c5\u03c4\u03ad\u03c2: \u201cCut deep\u201d, \u201cStay calm, carry on\u201d, \u201cSave and stockpile\u201d \u03ba\u03b1\u03b9 \u201cHibernate and spend\u201d. \u03a0\u03b1\u03c1\u03cc\u03bc\u03bf\u03b9\u03b5\u03c2 \u03c4\u03ac\u03c3\u03b5\u03b9\u03c2 \u03c0\u03b1\u03c1\u03b1\u03c4\u03b7\u03c1\u03bf\u03cd\u03bd\u03c4\u03b1\u03b9 \u03ae\u03b4\u03b7 \u03ba\u03b1\u03b9 \u03c3\u03c4\u03b7\u03bd \u0395\u03bb\u03bb\u03ac\u03b4\u03b1.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u039f\u03b9 \u03ba\u03b1\u03c4\u03b1\u03bd\u03b1\u03bb\u03c9\u03c4\u03ad\u03c2 \u03c4\u03b7\u03c2 \u03bf\u03bc\u03ac\u03b4\u03b1\u03c2&nbsp;<strong>\u201c<\/strong><strong>Cut<\/strong><strong>deep<\/strong><strong>\u201d<\/strong>&nbsp;(27,3%) \u03ad\u03c7\u03bf\u03c5\u03bd \u03c0\u03b5\u03c1\u03b9\u03bf\u03c1\u03af\u03c3\u03b5\u03b9 \u03c4\u03b9\u03c2 \u03b4\u03b1\u03c0\u03ac\u03bd\u03b5\u03c2 \u03c4\u03bf\u03c5\u03c2 \u03c3\u03b5 \u03cc\u03bb\u03b5\u03c2 \u03c4\u03b9\u03c2 \u03ba\u03b1\u03c4\u03b7\u03b3\u03bf\u03c1\u03af\u03b5\u03c2 \u03b4\u03b1\u03c0\u03b1\u03bd\u03ce\u03bd, \u03c5\u03c0\u03cc \u03c4\u03bf \u03b2\u03ac\u03c1\u03bf\u03c2 \u03c4\u03c9\u03bd \u03b5\u03c0\u03b9\u03c0\u03c4\u03ce\u03c3\u03b5\u03c9\u03bd \u03c4\u03b7\u03c2 \u03c0\u03b1\u03bd\u03b4\u03b7\u03bc\u03af\u03b1\u03c2 \u03c3\u03c4\u03b7\u03bd \u03b1\u03c0\u03b1\u03c3\u03c7\u03cc\u03bb\u03b7\u03c3\u03b7. \u0391\u03bd\u03c4\u03af\u03b8\u03b5\u03c4\u03b1, \u03cc\u03c3\u03bf\u03b9 \u03b1\u03bd\u03ae\u03ba\u03bf\u03c5\u03bd \u03c3\u03c4\u03b7\u03bd \u03bf\u03bc\u03ac\u03b4\u03b1&nbsp;<strong>\u201c<\/strong><strong>Stay<\/strong><strong>calm<\/strong><strong>,&nbsp;<\/strong><strong>carry<\/strong><strong>on<\/strong><strong>\u201d<\/strong>&nbsp;\u03b5\u03be\u03b1\u03ba\u03bf\u03bb\u03bf\u03c5\u03b8\u03bf\u03cd\u03bd \u03bd\u03b1 \u03be\u03bf\u03b4\u03b5\u03cd\u03bf\u03c5\u03bd \u03ba\u03b1\u03bd\u03bf\u03bd\u03b9\u03ba\u03ac (26,2%). \u0397 \u03bc\u03b5\u03b3\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03b7 \u03bc\u03b5\u03c1\u03af\u03b4\u03b1 \u03ba\u03b1\u03c4\u03b1\u03bd\u03b1\u03bb\u03c9\u03c4\u03ce\u03bd, \u03b7 \u03bf\u03c0\u03bf\u03af\u03b1 \u03b4\u03b9\u03b1\u03ba\u03b1\u03c4\u03ad\u03c7\u03b5\u03c4\u03b1\u03b9 \u03b1\u03c0\u03cc \u03b1\u03c0\u03b1\u03b9\u03c3\u03b9\u03bf\u03b4\u03bf\u03be\u03af\u03b1 \u03b3\u03b9\u03b1 \u03c4\u03bf \u03bc\u03ad\u03bb\u03bb\u03bf\u03bd, \u03ba\u03b1\u03c4\u03b1\u03c4\u03ac\u03c3\u03c3\u03b5\u03c4\u03b1\u03b9 \u03c3\u03c4\u03b7\u03bd \u03ba\u03b1\u03c4\u03b7\u03b3\u03bf\u03c1\u03af\u03b1&nbsp;<strong>\u201c<\/strong><strong>Save<\/strong><strong>and<\/strong><strong>stockpile<\/strong><strong>\u201d<\/strong>&nbsp;(35,1%), \u03b5\u03bd\u03ce \u03b7 \u03c4\u03b5\u03bb\u03b5\u03c5\u03c4\u03b1\u03af\u03b1 \u03bf\u03bc\u03ac\u03b4\u03b1,&nbsp;<strong>\u201c<\/strong><strong>Hibernate<\/strong><strong>and<\/strong><strong>spend<\/strong><strong>\u201d<\/strong>&nbsp;(11,4) \u03be\u03bf\u03b4\u03b5\u03cd\u03b5\u03b9 \u03c0\u03b5\u03c1\u03b9\u03c3\u03c3\u03cc\u03c4\u03b5\u03c1\u03b1.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u03a3\u03c5\u03bd\u03bf\u03bb\u03b9\u03ba\u03ac,&nbsp;<strong>\u03c4\u03bf 42% \u03c4\u03c9\u03bd \u03b5\u03c1\u03c9\u03c4\u03b7\u03b8\u03ad\u03bd\u03c4\u03c9\u03bd \u03c0\u03b9\u03c3\u03c4\u03b5\u03cd\u03bf\u03c5\u03bd \u03cc\u03c4\u03b9 \u03bf \u03c4\u03c1\u03cc\u03c0\u03bf\u03c2 \u03bc\u03b5 \u03c4\u03bf\u03bd \u03bf\u03c0\u03bf\u03af\u03bf \u03c8\u03c9\u03bd\u03af\u03b6\u03bf\u03c5\u03bd \u03b8\u03b1 \u03b1\u03bb\u03bb\u03ac\u03be\u03b5\u03b9 \u03c1\u03b9\u03b6\u03b9\u03ba\u03ac, \u03c9\u03c2 \u03b1\u03c0\u03bf\u03c4\u03ad\u03bb\u03b5\u03c3\u03bc\u03b1 \u03c4\u03b7\u03c2 \u03b5\u03c0\u03b9\u03b4\u03b7\u03bc\u03af\u03b1\u03c2 \u03c4\u03bf\u03c5&nbsp;<\/strong><strong>COVID<\/strong><strong>-19.<\/strong>&nbsp;\u038c\u03c3\u03bf\u03bd \u03b1\u03c6\u03bf\u03c1\u03ac \u03c4\u03b1 \u03b5\u03bc\u03c0\u03bf\u03c1\u03b9\u03ba\u03ac \u03c3\u03ae\u03bc\u03b1\u03c4\u03b1 (brands) \u03ba\u03b1\u03b9 \u03c4\u03b1 \u03c0\u03c1\u03bf\u03ca\u03cc\u03bd\u03c4\u03b1,&nbsp;<strong>\u03c4\u03bf 34% \u03c4\u03c9\u03bd \u03ba\u03b1\u03c4\u03b1\u03bd\u03b1\u03bb\u03c9\u03c4\u03ce\u03bd \u03b4\u03b7\u03bb\u03ce\u03bd\u03bf\u03c5\u03bd \u03cc\u03c4\u03b9 \u03b5\u03af\u03bd\u03b1\u03b9 \u03c0\u03c1\u03cc\u03b8\u03c5\u03bc\u03bf\u03b9 \u03bd\u03b1 \u03c0\u03bb\u03b7\u03c1\u03ce\u03c3\u03bf\u03c5\u03bd \u03c0\u03b5\u03c1\u03b9\u03c3\u03c3\u03cc\u03c4\u03b5\u03c1\u03b1 \u03b3\u03b9\u03b1 \u03c4\u03bf\u03c0\u03b9\u03ba\u03ac \u03c0\u03c1\u03bf\u03ca\u03cc\u03bd\u03c4\u03b1<\/strong>,&nbsp;<strong>\u03c4\u03bf 25% \u03b3\u03b9\u03b1 \u03b1\u03be\u03b9\u03cc\u03c0\u03b9\u03c3\u03c4\u03b5\u03c2 \u03bc\u03ac\u03c1\u03ba\u03b5\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03bf 23% \u03b3\u03b9\u03b1 \u03b7\u03b8\u03b9\u03ba\u03ac \u03c0\u03c1\u03bf\u03ca\u03cc\u03bd\u03c4\u03b1.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u039f\u03b9 \u03c4\u03ad\u03c3\u03c3\u03b5\u03c1\u03b9\u03c2 \u03ba\u03b1\u03c4\u03b1\u03c4\u03bc\u03ae\u03c3\u03b5\u03b9\u03c2 \u03b1\u03bd\u03c4\u03b9\u03ba\u03b1\u03c4\u03bf\u03c0\u03c4\u03c1\u03af\u03b6\u03bf\u03c5\u03bd \u03c4\u03bf\u03bd \u03c4\u03c1\u03cc\u03c0\u03bf \u03bc\u03b5 \u03c4\u03bf\u03bd \u03bf\u03c0\u03bf\u03af\u03bf \u03b7 \u03c3\u03c5\u03bc\u03c0\u03b5\u03c1\u03b9\u03c6\u03bf\u03c1\u03ac \u03c4\u03c9\u03bd \u03ba\u03b1\u03c4\u03b1\u03bd\u03b1\u03bb\u03c9\u03c4\u03ce\u03bd \u03bc\u03c0\u03bf\u03c1\u03b5\u03af \u03bd\u03b1 \u03c3\u03c7\u03b5\u03c4\u03af\u03b6\u03b5\u03c4\u03b1\u03b9 \u03bc\u03b5 \u03c4\u03b7\u03bd \u03b7\u03bb\u03b9\u03ba\u03b9\u03b1\u03ba\u03ae \u03c4\u03bf\u03c5\u03c2 \u03bf\u03bc\u03ac\u03b4\u03b1 \u03ba\u03b1\u03b9 \u03c4\u03b7\u03bd \u03bf\u03b9\u03ba\u03bf\u03b3\u03b5\u03bd\u03b5\u03b9\u03b1\u03ba\u03ae \u03ae \u03c4\u03b7\u03bd \u03b5\u03c1\u03b3\u03b1\u03c3\u03b9\u03b1\u03ba\u03ae \u03ba\u03b1\u03c4\u03ac\u03c3\u03c4\u03b1\u03c3\u03ae \u03c4\u03bf\u03c5\u03c2. \u03a0\u03b9\u03bf \u03c3\u03c5\u03b3\u03ba\u03b5\u03ba\u03c1\u03b9\u03bc\u03ad\u03bd\u03b1 \u03ba\u03b1\u03b9 \u03c3\u03cd\u03bc\u03c6\u03c9\u03bd\u03b1 \u03bc\u03b5 \u03cc\u03c3\u03b1 \u03b1\u03bd\u03b1\u03c6\u03ad\u03c1\u03bf\u03bd\u03c4\u03b1\u03b9 \u03c3\u03c4\u03bf \u03c3\u03c7\u03b5\u03c4\u03b9\u03ba\u03cc \u03b4\u03b5\u03bb\u03c4\u03af\u03bf \u03a4\u03cd\u03c0\u03bf\u03c5 \u03c4\u03b7\u03c2 \u0395\u03a5:<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Cut<\/strong><strong>deep<\/strong><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u039f\u03b9 \u03ba\u03b1\u03c4\u03b1\u03bd\u03b1\u03bb\u03c9\u03c4\u03ad\u03c2 \u03b1\u03c5\u03c4\u03bf\u03af \u03b5\u03af\u03bd\u03b1\u03b9&nbsp;<strong>\u03ba\u03c5\u03c1\u03af\u03c9\u03c2 \u03ac\u03bd\u03c9 \u03c4\u03c9\u03bd 45 \u03b5\u03c4\u03ce\u03bd<\/strong>&nbsp;\u03ba\u03b1\u03b9&nbsp;<strong>\u03ad\u03c7\u03bf\u03c5\u03bd \u03b2\u03b9\u03ce\u03c3\u03b5\u03b9 \u03c4\u03bf\u03bd \u03bc\u03b5\u03b3\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03bf \u03b1\u03bd\u03c4\u03af\u03ba\u03c4\u03c5\u03c0\u03bf \u03c4\u03b7\u03c2 \u03ba\u03c1\u03af\u03c3\u03b7\u03c2 \u03c3\u03c4\u03b7\u03bd \u03b1\u03c0\u03b1\u03c3\u03c7\u03cc\u03bb\u03b7\u03c3\u03ae \u03c4\u03bf\u03c5\u03c2<\/strong>, \u03ba\u03b1\u03b8\u03ce\u03c2 \u03c3\u03c7\u03b5\u03b4\u03cc\u03bd \u03ad\u03bd\u03b1\u03c2 \u03c3\u03c4\u03bf\u03c5\u03c2 \u03c4\u03ad\u03c3\u03c3\u03b5\u03c1\u03b9\u03c2 \u03b2\u03c1\u03af\u03c3\u03ba\u03bf\u03bd\u03c4\u03b1\u03b9 \u03b5\u03ba\u03c4\u03cc\u03c2 \u03b5\u03c1\u03b3\u03b1\u03c3\u03af\u03b1\u03c2, \u03b5\u03af\u03c4\u03b5 \u03c0\u03c1\u03bf\u03c3\u03c9\u03c1\u03b9\u03bd\u03ac, \u03b5\u03af\u03c4\u03b5 \u03bc\u03cc\u03bd\u03b9\u03bc\u03b1. \u03a4\u03bf 78% \u03c8\u03c9\u03bd\u03af\u03b6\u03bf\u03c5\u03bd \u03bb\u03b9\u03b3\u03cc\u03c4\u03b5\u03c1\u03bf \u03c3\u03c5\u03c7\u03bd\u03ac, \u03b5\u03bd\u03ce \u03c4\u03bf 64% \u03b1\u03b3\u03bf\u03c1\u03ac\u03b6\u03bf\u03c5\u03bd \u03bc\u03cc\u03bd\u03bf \u03c0\u03c1\u03bf\u03ca\u03cc\u03bd\u03c4\u03b1 \u03c0\u03c1\u03ce\u03c4\u03b7\u03c2 \u03b1\u03bd\u03ac\u03b3\u03ba\u03b7\u03c2. To 33% \u03c0\u03b9\u03c3\u03c4\u03b5\u03cd\u03bf\u03c5\u03bd \u03cc\u03c4\u03b9 \u03c4\u03b1 \u03b5\u03bc\u03c0\u03bf\u03c1\u03b9\u03ba\u03ac \u03c3\u03ae\u03bc\u03b1\u03c4\u03b1 (brands) \u03b5\u03af\u03bd\u03b1\u03b9 \u03bb\u03b9\u03b3\u03cc\u03c4\u03b5\u03c1\u03bf \u03c3\u03b7\u03bc\u03b1\u03bd\u03c4\u03b9\u03ba\u03ac \u03b3\u03b9\u03b1 \u03b5\u03ba\u03b5\u03af\u03bd\u03bf\u03c5\u03c2, \u03c5\u03c0\u03cc \u03c4\u03b9\u03c2 \u03c3\u03b7\u03bc\u03b5\u03c1\u03b9\u03bd\u03ad\u03c2 \u03c3\u03c5\u03bd\u03b8\u03ae\u03ba\u03b5\u03c2.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Stay<\/strong><strong>calm<\/strong><strong>,&nbsp;<\/strong><strong>carry<\/strong><strong>on<\/strong><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u039f\u03b9 \u03ba\u03b1\u03c4\u03b1\u03bd\u03b1\u03bb\u03c9\u03c4\u03ad\u03c2 \u03b1\u03c5\u03c4\u03bf\u03af&nbsp;<strong>\u03b4\u03b5\u03bd \u03b1\u03b9\u03c3\u03b8\u03ac\u03bd\u03bf\u03bd\u03c4\u03b1\u03b9 \u03ac\u03bc\u03b5\u03c3\u03b1 \u03c4\u03b9\u03c2 \u03b5\u03c0\u03b9\u03c0\u03c4\u03ce\u03c3\u03b5\u03b9\u03c2 \u03c4\u03b7\u03c2 \u03c0\u03b1\u03bd\u03b4\u03b7\u03bc\u03af\u03b1\u03c2 \u03ba\u03b1\u03b9 \u03b4\u03b5\u03bd \u03b1\u03bb\u03bb\u03ac\u03b6\u03bf\u03c5\u03bd \u03c4\u03b9\u03c2 \u03c3\u03c5\u03bd\u03ae\u03b8\u03b5\u03b9\u03ad\u03c2 \u03c4\u03bf\u03c5\u03c2, \u03c9\u03c2 \u03c0\u03c1\u03bf\u03c2 \u03c4\u03b9\u03c2 \u03b4\u03b1\u03c0\u03ac\u03bd\u03b5\u03c2.<\/strong>&nbsp;\u039c\u03cc\u03bb\u03b9\u03c2 \u03c4\u03bf 21% \u03b1\u03c0\u03cc \u03b1\u03c5\u03c4\u03bf\u03cd\u03c2 \u03be\u03bf\u03b4\u03b5\u03cd\u03bf\u03c5\u03bd \u03c0\u03b5\u03c1\u03b9\u03c3\u03c3\u03cc\u03c4\u03b5\u03c1\u03b1 \u03c3\u03b5 \u03c4\u03c1\u03cc\u03c6\u03b9\u03bc\u03b1, \u03c3\u03b5 \u03c3\u03c7\u03ad\u03c3\u03b7 \u03bc\u03b5 \u03ad\u03bd\u03b1 18% \u03c0\u03bf\u03c5 \u03be\u03bf\u03b4\u03b5\u03cd\u03bf\u03c5\u03bd, \u03b1\u03bd\u03c4\u03b9\u03c3\u03c4\u03bf\u03af\u03c7\u03c9\u03c2, \u03bb\u03b9\u03b3\u03cc\u03c4\u03b5\u03c1\u03b1.<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Save<\/strong><strong>and<\/strong><strong>stockpile<\/strong><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u03a4\u03b1 \u03bc\u03ad\u03bb\u03b7 \u03c4\u03b7\u03c2 \u03bf\u03bc\u03ac\u03b4\u03b1\u03c2 \u03b1\u03c5\u03c4\u03ae\u03c2 \u03b5\u03af\u03bd\u03b1\u03b9&nbsp;<strong>\u03b9\u03b4\u03b9\u03b1\u03af\u03c4\u03b5\u03c1\u03b1 \u03b1\u03bd\u03ae\u03c3\u03c5\u03c7\u03b1 \u03b3\u03b9\u03b1 \u03c4\u03b9\u03c2 \u03bf\u03b9\u03ba\u03bf\u03b3\u03ad\u03bd\u03b5\u03b9\u03ad\u03c2 \u03c4\u03bf\u03c5\u03c2<\/strong>, \u03ba\u03b1\u03b8\u03ce\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03b9\u03c2 \u03bc\u03b1\u03ba\u03c1\u03bf\u03c0\u03c1\u03cc\u03b8\u03b5\u03c3\u03bc\u03b5\u03c2 \u03c0\u03c1\u03bf\u03bf\u03c0\u03c4\u03b9\u03ba\u03ad\u03c2. \u03a0\u03ac\u03bd\u03c9 \u03b1\u03c0\u03cc \u03c4\u03bf \u03ad\u03bd\u03b1 \u03c4\u03c1\u03af\u03c4\u03bf (36%) \u03be\u03bf\u03b4\u03b5\u03cd\u03bf\u03c5\u03bd, \u03b1\u03c5\u03c4\u03ae \u03c4\u03b7\u03bd \u03c0\u03b5\u03c1\u03af\u03bf\u03b4\u03bf, \u03c0\u03b5\u03c1\u03b9\u03c3\u03c3\u03cc\u03c4\u03b5\u03c1\u03b1 \u03c3\u03b5 \u03c4\u03c1\u03cc\u03c6\u03b9\u03bc\u03b1, \u03b5\u03bd\u03ce \u03b7 \u03c0\u03bb\u03b5\u03b9\u03bf\u03c8\u03b7\u03c6\u03af\u03b1 \u03b4\u03b1\u03c0\u03b1\u03bd\u03ac \u03bb\u03b9\u03b3\u03cc\u03c4\u03b5\u03c1\u03b1 \u03c3\u03b5 \u03c1\u03bf\u03cd\u03c7\u03b1 (72%) \u03ba\u03b1\u03b9 \u03c3\u03b5 \u03b1\u03bd\u03b1\u03c8\u03c5\u03c7\u03ae (85%).<\/p>\n\n\n\n<ul class=\"wp-block-list\"><li><strong>Hibernate<\/strong><strong>and<\/strong><strong>spend<\/strong><\/li><\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u039f\u03b9 \u03ba\u03b1\u03c4\u03b1\u03bd\u03b1\u03bb\u03c9\u03c4\u03ad\u03c2 \u03b1\u03c5\u03c4\u03bf\u03af, \u03c0\u03bf\u03c5\u00a0<strong>\u03b1\u03bd\u03ae\u03ba\u03bf\u03c5\u03bd \u03ba\u03c5\u03c1\u03af\u03c9\u03c2 \u03c3\u03c4\u03b7\u03bd \u03b7\u03bb\u03b9\u03ba\u03b9\u03b1\u03ba\u03ae \u03bf\u03bc\u03ac\u03b4\u03b1 18-44 \u03b5\u03c4\u03ce\u03bd,<\/strong>\u00a0\u03b1\u03bd\u03b7\u03c3\u03c5\u03c7\u03bf\u03cd\u03bd \u03c0\u03b5\u03c1\u03b9\u03c3\u03c3\u03cc\u03c4\u03b5\u03c1\u03bf \u03b3\u03b9\u03b1 \u03c4\u03b9\u03c2 \u03b5\u03c0\u03b9\u03c0\u03c4\u03ce\u03c3\u03b5\u03b9\u03c2 \u03c4\u03b7\u03c2 \u03c0\u03b1\u03bd\u03b4\u03b7\u03bc\u03af\u03b1\u03c2. \u03a9\u03c3\u03c4\u03cc\u03c3\u03bf, \u03bc\u03cc\u03bd\u03bf \u03c4\u03bf 40% \u03b5\u03be \u03b1\u03c5\u03c4\u03ce\u03bd \u03b4\u03b7\u03bb\u03ce\u03bd\u03bf\u03c5\u03bd \u03cc\u03c4\u03b9 \u03c8\u03c9\u03bd\u03af\u03b6\u03bf\u03c5\u03bd \u03bb\u03b9\u03b3\u03cc\u03c4\u03b5\u03c1\u03bf \u03c3\u03c5\u03c7\u03bd\u03ac. \u039a\u03b1\u03b9 \u03b5\u03bd\u03ce \u03c4\u03bf 42% \u03b4\u03b7\u03bb\u03ce\u03bd\u03bf\u03c5\u03bd \u03cc\u03c4\u03b9 \u03c4\u03b1 \u03c0\u03c1\u03bf\u03ca\u03cc\u03bd\u03c4\u03b1 \u03c0\u03bf\u03c5 \u03b1\u03b3\u03bf\u03c1\u03ac\u03b6\u03bf\u03c5\u03bd \u03ad\u03c7\u03bf\u03c5\u03bd \u03b1\u03bb\u03bb\u03ac\u03be\u03b5\u03b9 \u03c3\u03b7\u03bc\u03b1\u03bd\u03c4\u03b9\u03ba\u03ac, \u03c4\u03bf 46% \u03b1\u03bd\u03b1\u03c6\u03ad\u03c1\u03bf\u03c5\u03bd \u03cc\u03c4\u03b9 \u03c4\u03b1 \u03b5\u03bc\u03c0\u03bf\u03c1\u03b9\u03ba\u03ac \u03c3\u03ae\u03bc\u03b1\u03c4\u03b1 \u03ad\u03c7\u03bf\u03c5\u03bd \u03c0\u03bb\u03ad\u03bf\u03bd \u03bc\u03b5\u03b3\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03b7 \u03c3\u03b7\u03bc\u03b1\u03c3\u03af\u03b1 \u03b3\u03b9\u03b1 \u03b5\u03ba\u03b5\u03af\u03bd\u03bf\u03c5\u03c2.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u039a\u03b1\u03b8\u03ce\u03c2 \u03bf\u03b9 \u03ba\u03b1\u03c4\u03b1\u03bd\u03b1\u03bb\u03c9\u03c4\u03ad\u03c2 \u03be\u03b5\u03c0\u03b5\u03c1\u03bd\u03bf\u03cd\u03bd \u03c4\u03b7\u03bd \u03c0\u03b1\u03bd\u03b4\u03b7\u03bc\u03af\u03b1, \u03c0\u03ad\u03bd\u03c4\u03b5 \u03bd\u03ad\u03b5\u03c2 \u03bf\u03bc\u03ac\u03b4\u03b5\u03c2 \u03b5\u03bd\u03b4\u03ad\u03c7\u03b5\u03c4\u03b1\u03b9 \u03bd\u03b1 \u03b1\u03bd\u03b1\u03b4\u03b5\u03b9\u03c7\u03b8\u03bf\u03cd\u03bd<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u039f\u03b9 \u03c4\u03ad\u03c3\u03c3\u03b5\u03c1\u03b9\u03c2 \u03bf\u03bc\u03ac\u03b4\u03b5\u03c2 \u03c0\u03bf\u03c5 \u03c0\u03c1\u03bf\u03c3\u03b4\u03b9\u03bf\u03c1\u03af\u03b6\u03b5\u03b9 \u03b7 \u03ad\u03c1\u03b5\u03c5\u03bd\u03b1 \u03b5\u03bd\u03b4\u03ad\u03c7\u03b5\u03c4\u03b1\u03b9 \u03bd\u03b1 \u03bc\u03b5\u03c4\u03b5\u03be\u03b5\u03bb\u03b9\u03c7\u03b8\u03bf\u03cd\u03bd \u03c3\u03b5 \u03c0\u03ad\u03bd\u03c4\u03b5 \u03b5\u03bd\u03c4\u03b5\u03bb\u03ce\u03c2 \u03b4\u03b9\u03b1\u03c6\u03bf\u03c1\u03b5\u03c4\u03b9\u03ba\u03ad\u03c2 \u03bf\u03bc\u03ac\u03b4\u03b5\u03c2, \u03ba\u03b1\u03b8\u03ce\u03c2 \u03bc\u03b5\u03c4\u03c1\u03b9\u03ac\u03b6\u03bf\u03bd\u03c4\u03b1\u03b9 \u03bf\u03b9 \u03b5\u03c0\u03b9\u03c0\u03c4\u03ce\u03c3\u03b5\u03b9\u03c2 \u03c4\u03b7\u03c2 \u03ba\u03c1\u03af\u03c3\u03b7\u03c2. \u0393\u03b9\u03b1 \u03c0\u03b1\u03c1\u03ac\u03b4\u03b5\u03b9\u03b3\u03bc\u03b1,&nbsp;<strong>\u03b7 \u03ad\u03c1\u03b5\u03c5\u03bd\u03b1 \u03b5\u03ba\u03c4\u03b9\u03bc\u03ac \u03cc\u03c4\u03b9 \u03b7 \u03c0\u03bb\u03b5\u03b9\u03bf\u03c8\u03b7\u03c6\u03af\u03b1 \u03cc\u03c3\u03c9\u03bd \u03ba\u03b1\u03c4\u03b1\u03bd\u03b1\u03bb\u03c9\u03c4\u03ce\u03bd \u03b1\u03bd\u03ae\u03ba\u03bf\u03c5\u03bd \u03c3\u03ae\u03bc\u03b5\u03c1\u03b1 \u03c3\u03c4\u03b7\u03bd \u03ba\u03b1\u03c4\u03b7\u03b3\u03bf\u03c1\u03af\u03b1 \u201c<\/strong><strong>Save<\/strong><strong>and<\/strong><strong>stockpile<\/strong><strong>\u201d, \u03b8\u03b1 \u03bc\u03b5\u03c4\u03b1\u03ba\u03b9\u03bd\u03b7\u03b8\u03bf\u03cd\u03bd \u03c3\u03b5 \u03b4\u03cd\u03bf \u03bd\u03ad\u03b5\u03c2 \u03ba\u03b1\u03c4\u03b7\u03b3\u03bf\u03c1\u03af\u03b5\u03c2: \u201c<\/strong><strong>Remain<\/strong><strong>frugal<\/strong><strong>\u201d \u03ba\u03b1\u03b9 \u201c<\/strong><strong>Cautiously<\/strong><strong>extravagant<\/strong><strong>\u201d.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u039f\u03b9 \u03bd\u03ad\u03b5\u03c2 \u03b1\u03c5\u03c4\u03ad\u03c2 \u03bf\u03bc\u03ac\u03b4\u03b5\u03c2 \u03c0\u03bf\u03c5 \u03b8\u03b1 \u03bc\u03c0\u03bf\u03c1\u03bf\u03cd\u03c3\u03b1\u03bd \u03bd\u03b1 \u03b5\u03bc\u03c6\u03b1\u03bd\u03b9\u03c3\u03c4\u03bf\u03cd\u03bd \u03bc\u03b5\u03c4\u03ac \u03c4\u03bf \u03c0\u03ad\u03c1\u03b1\u03c2 \u03c4\u03b7\u03c2 \u03ba\u03c1\u03af\u03c3\u03b7\u03c2 \u03c4\u03bf\u03c5 COVID-19, \u03ba\u03b1\u03c4\u03b1\u03b3\u03c1\u03ac\u03c6\u03bf\u03bd\u03c4\u03b1\u03b9 \u03b1\u03bd\u03b1\u03bb\u03c5\u03c4\u03b9\u03ba\u03ac \u03c3\u03c4\u03b7\u03bd \u03ad\u03c1\u03b5\u03c5\u03bd\u03b1, \u03c9\u03c2:\u00a0<strong>\u201cKeepcutting\u201d\u00a0<\/strong>(\u03c3\u03c5\u03bd\u03b5\u03c7\u03b9\u03b6\u03cc\u03bc\u03b5\u03bd\u03b5\u03c2 \u03c0\u03b5\u03c1\u03b9\u03ba\u03bf\u03c0\u03ad\u03c2 \u2013 13,1%),\u00a0<strong>\u201cStayfrugal\u201d<\/strong>\u00a0(\u03c3\u03c5\u03bd\u03b5\u03c7\u03b9\u03b6\u03cc\u03bc\u03b5\u03bd\u03b7 \u03bb\u03b9\u03c4\u03cc\u03c4\u03b7\u03c4\u03b1 \u2013 21,7%),\u00a0<strong>\u201cGettonormal\u201d\u00a0<\/strong>(\u03b5\u03c0\u03b9\u03c3\u03c4\u03c1\u03bf\u03c6\u03ae \u03c3\u03c4\u03b7\u03bd \u03ba\u03b1\u03bd\u03bf\u03bd\u03b9\u03ba\u03cc\u03c4\u03b7\u03c4\u03b1 \u2013 31,4%),\u00a0<strong>\u201cCautiouslyextravagant\u201d\u00a0<\/strong>(\u03c0\u03c1\u03bf\u03c3\u03b5\u03ba\u03c4\u03b9\u03ba\u03ac \u00ab\u03c5\u03c0\u03b5\u03c1\u03b2\u03bf\u03bb\u03b9\u03ba\u03bf\u03af\u00bb \u03c3\u03c4\u03b9\u03c2 \u03b4\u03b1\u03c0\u03ac\u03bd\u03b5\u03c2 \u2013 24,7%) \u03ba\u03b1\u03b9\u00a0<strong>\u201cBackwithabang\u201d<\/strong>\u00a0(\u03b4\u03c5\u03bd\u03b1\u03bc\u03b9\u03ba\u03ae \u03b5\u03c0\u03b9\u03c3\u03c4\u03c1\u03bf\u03c6\u03ae \u03c3\u03c4\u03b7\u03bd \u03ba\u03b1\u03c4\u03b1\u03bd\u03ac\u03bb\u03c9\u03c3\u03b7 \u2013 9,1%).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>\u039c\u03b5\u03c4\u03b1\u03b2\u03ac\u03bb\u03bb\u03bf\u03bd\u03c4\u03b1\u03b9 \u03bf\u03b9 \u03c3\u03c4\u03ac\u03c3\u03b5\u03b9\u03c2 \u03c4\u03c9\u03bd \u03ba\u03b1\u03c4\u03b1\u03bd\u03b1\u03bb\u03c9\u03c4\u03ce\u03bd \u03b1\u03c0\u03ad\u03bd\u03b1\u03bd\u03c4\u03b9 \u03c3\u03c4\u03b7\u03bd \u03b9\u03b4\u03b9\u03c9\u03c4\u03b9\u03ba\u03cc\u03c4\u03b7\u03c4\u03b1<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u03a4\u03b1 \u03c4\u03b5\u03bb\u03b5\u03c5\u03c4\u03b1\u03af\u03b1 \u03b4\u03cd\u03bf \u03c7\u03c1\u03cc\u03bd\u03b9\u03b1, \u03bf\u03bc\u03ac\u03b4\u03b5\u03c2 \u03c4\u03b7\u03c2 EY \u03b4\u03b7\u03bc\u03b9\u03bf\u03c5\u03c1\u03b3\u03bf\u03cd\u03bd \u03bc\u03bf\u03bd\u03c4\u03ad\u03bb\u03b1 \u03bc\u03b5\u03bb\u03bb\u03bf\u03bd\u03c4\u03b9\u03ba\u03ce\u03bd \u03c3\u03b5\u03bd\u03b1\u03c1\u03af\u03c9\u03bd, \u03c3\u03c4\u03bf \u03c0\u03bb\u03b1\u03af\u03c3\u03b9\u03bf \u03c4\u03bf\u03c5 \u03c0\u03c1\u03bf\u03b3\u03c1\u03ac\u03bc\u03bc\u03b1\u03c4\u03bf\u03c2&nbsp;<a href=\"https:\/\/www.ey.com\/en_gl\/future-consumer-now\" target=\"_blank\" rel=\"noreferrer noopener\">FutureConsumer.Now<\/a>. \u0388\u03bd\u03b1 \u03b1\u03c0\u03cc \u03b1\u03c5\u03c4\u03ac \u03c4\u03b1 \u03c3\u03b5\u03bd\u03ac\u03c1\u03b9\u03b1 \u03b2\u03b1\u03c3\u03b9\u03b6\u03cc\u03c4\u03b1\u03bd \u03c3\u03c4\u03bf\u03bd \u03b1\u03bd\u03c4\u03af\u03ba\u03c4\u03c5\u03c0\u03bf \u03bc\u03b9\u03b1\u03c2 \u03c5\u03c0\u03bf\u03b8\u03b5\u03c4\u03b9\u03ba\u03ae\u03c2 \u03c0\u03b1\u03b3\u03ba\u03cc\u03c3\u03bc\u03b9\u03b1\u03c2 \u03c0\u03b1\u03bd\u03b4\u03b7\u03bc\u03af\u03b1\u03c2 \u03ba\u03b1\u03b9 \u03ba\u03b1\u03c4\u03ad\u03b4\u03b5\u03b9\u03be\u03b5 \u03cc\u03c4\u03b9 \u03bf\u03b9 \u03ba\u03b1\u03c4\u03b1\u03bd\u03b1\u03bb\u03c9\u03c4\u03ad\u03c2 \u03b8\u03b1 \u03c5\u03b9\u03bf\u03b8\u03b5\u03c4\u03bf\u03cd\u03c3\u03b1\u03bd, \u03b5\u03bd\u03b4\u03b5\u03c7\u03bf\u03bc\u03ad\u03bd\u03c9\u03c2, \u03bc\u03b9\u03b1 \u03bb\u03b9\u03b3\u03cc\u03c4\u03b5\u03c1\u03bf \u03b1\u03c5\u03c3\u03c4\u03b7\u03c1\u03ae \u03c0\u03c1\u03bf\u03c3\u03ad\u03b3\u03b3\u03b9\u03c3\u03b7 \u03b1\u03c0\u03ad\u03bd\u03b1\u03bd\u03c4\u03b9 \u03c3\u03c4\u03b7\u03bd \u03b9\u03b4\u03b9\u03c9\u03c4\u03b9\u03ba\u03cc\u03c4\u03b7\u03c4\u03b1 \u03ba\u03b1\u03b9 \u03c4\u03b7\u03bd \u03ba\u03bf\u03b9\u03bd\u03ae \u03c7\u03c1\u03ae\u03c3\u03b7 \u03c0\u03c1\u03bf\u03c3\u03c9\u03c0\u03b9\u03ba\u03ce\u03bd \u03b4\u03b5\u03b4\u03bf\u03bc\u03ad\u03bd\u03c9\u03bd. \u03a0\u03c1\u03ac\u03b3\u03bc\u03b1\u03c4\u03b9, \u03c4\u03bf&nbsp;<em>EY Future Consumer Index<\/em>&nbsp;\u03b4\u03b9\u03b1\u03c0\u03b9\u03c3\u03c4\u03ce\u03bd\u03b5\u03b9 \u03cc\u03c4\u03b9&nbsp;<strong>\u03c4\u03bf 54% \u03c4\u03c9\u03bd \u03ba\u03b1\u03c4\u03b1\u03bd\u03b1\u03bb\u03c9\u03c4\u03ce\u03bd \u03b8\u03b1 \u03ae\u03c4\u03b1\u03bd \u03c0\u03b9\u03bf \u03c0\u03c1\u03cc\u03b8\u03c5\u03bc\u03bf\u03b9 \u03bd\u03b1 \u03bc\u03bf\u03b9\u03c1\u03b1\u03c3\u03c4\u03bf\u03cd\u03bd \u03c0\u03c1\u03bf\u03c3\u03c9\u03c0\u03b9\u03ba\u03ac \u03c4\u03bf\u03c5\u03c2 \u03b4\u03b5\u03b4\u03bf\u03bc\u03ad\u03bd\u03b1, \u03b5\u03ac\u03bd \u03b1\u03c5\u03c4\u03cc \u03c3\u03c5\u03bd\u03ad\u03b2\u03b1\u03bb\u03b5 \u03c3\u03c4\u03b7\u03bd \u03c0\u03b1\u03c1\u03b1\u03ba\u03bf\u03bb\u03bf\u03cd\u03b8\u03b7\u03c3\u03b7 \u03c4\u03b7\u03c2 \u03b4\u03b9\u03ac\u03b4\u03bf\u03c3\u03b7\u03c2 \u03bc\u03af\u03b1\u03c2 \u03bc\u03cc\u03bb\u03c5\u03bd\u03c3\u03b7\u03c2.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0397 \u03ad\u03c1\u03b5\u03c5\u03bd\u03b1 \u03b4\u03b9\u03b1\u03c0\u03b9\u03c3\u03c4\u03ce\u03bd\u03b5\u03b9, \u03b5\u03c0\u03af\u03c3\u03b7\u03c2, \u03cc\u03c4\u03b9&nbsp;<strong>\u03bf\u03b9 \u03c0\u03ac\u03c1\u03bf\u03c7\u03bf\u03b9 \u03c5\u03c0\u03b7\u03c1\u03b5\u03c3\u03b9\u03ce\u03bd \u03c5\u03b3\u03b5\u03af\u03b1\u03c2 \u03b8\u03b5\u03c9\u03c1\u03bf\u03cd\u03bd\u03c4\u03b1\u03b9 \u03c9\u03c2 \u03bf\u03b9 \u03c0\u03b9\u03bf \u03b1\u03be\u03b9\u03cc\u03c0\u03b9\u03c3\u03c4\u03bf\u03b9 \u03bf\u03c1\u03b3\u03b1\u03bd\u03b9\u03c3\u03bc\u03bf\u03af, \u03ba\u03b1\u03b8\u03ce\u03c2 \u03c4\u03bf 47% \u03c4\u03c9\u03bd \u03ba\u03b1\u03c4\u03b1\u03bd\u03b1\u03bb\u03c9\u03c4\u03ce\u03bd \u03b1\u03bd\u03b1\u03c6\u03ad\u03c1\u03bf\u03c5\u03bd \u03cc\u03c4\u03b9 \u03c4\u03bf\u03c5\u03c2 \u03b5\u03bc\u03c0\u03b9\u03c3\u03c4\u03b5\u03cd\u03bf\u03bd\u03c4\u03b1\u03b9 \u03c0\u03bb\u03ae\u03c1\u03c9\u03c2, \u03c3\u03b5 \u03c3\u03cd\u03b3\u03ba\u03c1\u03b9\u03c3\u03b7 \u03bc\u03b5 \u03c4\u03bf 28% \u03b3\u03b9\u03b1 \u03c4\u03b9\u03c2 \u03ba\u03c5\u03b2\u03b5\u03c1\u03bd\u03ae\u03c3\u03b5\u03b9\u03c2, 17% \u03b3\u03b9\u03b1 \u03c4\u03b1 \u03b5\u03bc\u03c0\u03bf\u03c1\u03b9\u03ba\u03ac \u03c3\u03ae\u03bc\u03b1\u03c4\u03b1 \u03ba\u03b1\u03b9 16% \u03b3\u03b9\u03b1 \u03c4\u03b9\u03c2 \u03b5\u03c4\u03b1\u03b9\u03c1\u03b5\u03af\u03b5\u03c2 \u03bc\u03ad\u03c3\u03c9\u03bd \u03bc\u03b1\u03b6\u03b9\u03ba\u03ae\u03c2 \u03b5\u03bd\u03b7\u03bc\u03ad\u03c1\u03c9\u03c3\u03b7\u03c2.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0388\u03bd\u03b1 \u03ac\u03bb\u03bb\u03bf \u03bc\u03bf\u03bd\u03c4\u03ad\u03bb\u03bf \u03c4\u03bf\u03c5&nbsp;<em>FutureConsumer<\/em><em>.<\/em><em>Now<\/em>&nbsp;\u03ad\u03b4\u03b5\u03b9\u03be\u03b5 \u03cc\u03c4\u03b9 \u03bf\u03b9 \u03ba\u03b1\u03c4\u03b1\u03bd\u03b1\u03bb\u03c9\u03c4\u03ad\u03c2 \u03b8\u03b1 \u03bc\u03c0\u03bf\u03c1\u03bf\u03cd\u03c3\u03b1\u03bd \u03bd\u03b1 \u03b1\u03bd\u03c4\u03b9\u03bc\u03b5\u03c4\u03c9\u03c0\u03af\u03c3\u03bf\u03c5\u03bd \u03c4\u03bf\u03bd \u03c7\u03c1\u03cc\u03bd\u03bf, \u03c4\u03bf \u03b1\u03bd\u03b8\u03c1\u03ce\u03c0\u03b9\u03bd\u03bf \u03c4\u03b1\u03bb\u03ad\u03bd\u03c4\u03bf \u03ba\u03b1\u03b9 \u03c4\u03bf\u03c5\u03c2 \u03c6\u03c5\u03c3\u03b9\u03ba\u03bf\u03cd\u03c2 \u03c0\u03cc\u03c1\u03bf\u03c5\u03c2, \u03c9\u03c2 \u03b5\u03be\u03af\u03c3\u03bf\u03c5 \u03c0\u03bf\u03bb\u03cd\u03c4\u03b9\u03bc\u03bf\u03c5\u03c2 \u03c0\u03b1\u03c1\u03ac\u03b3\u03bf\u03bd\u03c4\u03b5\u03c2, \u03ba\u03b1\u03b8\u03ce\u03c2 \u03c4\u03b1 \u03c0\u03b1\u03c1\u03b1\u03b4\u03bf\u03c3\u03b9\u03b1\u03ba\u03ac \u03ba\u03c1\u03b9\u03c4\u03ae\u03c1\u03b9\u03b1 \u03b1\u03be\u03b9\u03bf\u03bb\u03cc\u03b3\u03b7\u03c3\u03b7\u03c2 \u03c5\u03c0\u03bf\u03ba\u03b1\u03b8\u03af\u03c3\u03c4\u03b1\u03bd\u03c4\u03b1\u03b9 \u03b1\u03c0\u03cc \u03c4\u03bf\u03bd \u03ba\u03bf\u03b9\u03bd\u03c9\u03bd\u03b9\u03ba\u03cc \u03c3\u03ba\u03bf\u03c0\u03cc \u03bc\u03b9\u03b1\u03c2 \u03b5\u03c0\u03b9\u03c7\u03b5\u03af\u03c1\u03b7\u03c3\u03b7\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03bf \u03ba\u03bf\u03b9\u03bd\u03cc \u03ba\u03b1\u03bb\u03cc. \u03a3\u03cd\u03bc\u03c6\u03c9\u03bd\u03b1 \u03bc\u03b5 \u03c4\u03b7\u03bd \u03ad\u03c1\u03b5\u03c5\u03bd\u03b1,&nbsp;<strong>\u03c4\u03bf 33% \u03c4\u03c9\u03bd \u03ba\u03b1\u03c4\u03b1\u03bd\u03b1\u03bb\u03c9\u03c4\u03ce\u03bd \u03c3\u03c5\u03bc\u03c6\u03c9\u03bd\u03bf\u03cd\u03bd \u03b1\u03c0\u03cc\u03bb\u03c5\u03c4\u03b1 \u03cc\u03c4\u03b9, \u03bc\u03b5\u03c4\u03ac \u03c4\u03b7\u03bd \u03c0\u03b1\u03bd\u03b4\u03b7\u03bc\u03af\u03b1, \u03b8\u03b1 \u03b5\u03c0\u03b1\u03bd\u03b1\u03be\u03b9\u03bf\u03bb\u03bf\u03b3\u03ae\u03c3\u03bf\u03c5\u03bd \u03c4\u03b9 \u03b5\u03af\u03bd\u03b1\u03b9 \u03c3\u03b7\u03bc\u03b1\u03bd\u03c4\u03b9\u03ba\u03cc\u03c4\u03b5\u03c1\u03bf \u03b3\u03b9\u03b1 \u03b5\u03ba\u03b5\u03af\u03bd\u03bf\u03c5\u03c2<\/strong>, \u03b5\u03bd\u03ce \u03c0\u03ac\u03bd\u03c9 \u03b1\u03c0\u03cc \u03c4\u03bf \u03ad\u03bd\u03b1 \u03c4\u03ad\u03c4\u03b1\u03c1\u03c4\u03bf \u03b4\u03b7\u03bb\u03ce\u03bd\u03bf\u03c5\u03bd \u03cc\u03c4\u03b9 \u03b4\u03af\u03bd\u03bf\u03c5\u03bd \u03ae\u03b4\u03b7 \u03bc\u03b5\u03b3\u03b1\u03bb\u03cd\u03c4\u03b5\u03c1\u03b7 \u03c0\u03c1\u03bf\u03c3\u03bf\u03c7\u03ae \u03c3\u03b5 \u03b1\u03c5\u03c4\u03ac \u03c0\u03bf\u03c5 \u03ba\u03b1\u03c4\u03b1\u03bd\u03b1\u03bb\u03ce\u03bd\u03bf\u03c5\u03bd \u03ba\u03b1\u03b9 \u03c4\u03bf\u03bd \u03ba\u03bf\u03b9\u03bd\u03c9\u03bd\u03b9\u03ba\u03cc \u03c4\u03bf\u03c5\u03c2 \u03b1\u03bd\u03c4\u03af\u03ba\u03c4\u03c5\u03c0\u03bf.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u03a3\u03c7\u03bf\u03bb\u03b9\u03ac\u03b6\u03bf\u03bd\u03c4\u03b1\u03c2 \u03c4\u03b1 \u03b5\u03c5\u03c1\u03ae\u03bc\u03b1\u03c4\u03b1 \u03c4\u03b7\u03c2 \u03ad\u03c1\u03b5\u03c5\u03bd\u03b1\u03c2, \u03bf \u03ba.&nbsp;<strong>\u0398\u03ac\u03bd\u03bf\u03c2 \u039c\u03b1\u03cd\u03c1\u03bf\u03c2<\/strong>, \u0395\u03c4\u03b1\u03af\u03c1\u03bf\u03c2 \u03ba\u03b1\u03b9 \u0395\u03c0\u03b9\u03ba\u03b5\u03c6\u03b1\u03bb\u03ae\u03c2 \u03a4\u03bf\u03bc\u03ad\u03b1 \u039a\u03b1\u03c4\u03b1\u03bd\u03b1\u03bb\u03c9\u03c4\u03b9\u03ba\u03ce\u03bd \u03a0\u03c1\u03bf\u03ca\u03cc\u03bd\u03c4\u03c9\u03bd \u03ba\u03b1\u03b9 \u039b\u03b9\u03b1\u03bd\u03b5\u03bc\u03c0\u03bf\u03c1\u03af\u03bf\u03c5 \u03c4\u03b7\u03c2 EY \u0395\u03bb\u03bb\u03ac\u03b4\u03bf\u03c2 \u03ba\u03b1\u03b9 \u0395\u03c0\u03b9\u03ba\u03b5\u03c6\u03b1\u03bb\u03ae\u03c2 \u03a4\u03bc\u03ae\u03bc\u03b1\u03c4\u03bf\u03c2 \u0395\u03c6\u03bf\u03b4\u03b9\u03b1\u03c3\u03c4\u03b9\u03ba\u03ae\u03c2 \u0391\u03bb\u03c5\u03c3\u03af\u03b4\u03b1\u03c2 \u03ba\u03b1\u03b9 \u0394\u03b9\u03b5\u03c0\u03b9\u03c7\u03b5\u03b9\u03c1\u03b7\u03c3\u03b9\u03b1\u03ba\u03ce\u03bd \u039b\u03b5\u03b9\u03c4\u03bf\u03c5\u03c1\u03b3\u03b9\u03ce\u03bd EY \u0395\u03bb\u03bb\u03ac\u03b4\u03bf\u03c2 \u03ba\u03b1\u03b9 EY \u039a\u03b5\u03bd\u03c4\u03c1\u03b9\u03ba\u03ae\u03c2, \u0391\u03bd\u03b1\u03c4\u03bf\u03bb\u03b9\u03ba\u03ae\u03c2, \u039d\u03bf\u03c4\u03b9\u03bf\u03b1\u03bd\u03b1\u03c4\u03bf\u03bb\u03b9\u03ba\u03ae\u03c2 \u0395\u03c5\u03c1\u03ce\u03c0\u03b7\u03c2 \u03ba\u03b1\u03b9 \u039a\u03b5\u03bd\u03c4\u03c1\u03b9\u03ba\u03ae\u03c2 \u0391\u03c3\u03af\u03b1\u03c2 (CESA), \u03c0\u03b1\u03c1\u03b1\u03c4\u03b7\u03c1\u03b5\u03af:&nbsp;<em>\u00ab\u0397 \u03c0\u03b1\u03bd\u03b4\u03b7\u03bc\u03af\u03b1 \u03c4\u03bf\u03c5&nbsp;<\/em><em>COVID<\/em><em>-19 \u03ac\u03bb\u03bb\u03b1\u03be\u03b5 \u03b4\u03c1\u03b1\u03c3\u03c4\u03b9\u03ba\u03ac \u03c4\u03b1 \u03b4\u03b5\u03b4\u03bf\u03bc\u03ad\u03bd\u03b1 \u03c0\u03b1\u03b3\u03ba\u03bf\u03c3\u03bc\u03af\u03c9\u03c2, \u03c3\u03c5\u03bc\u03c0\u03b1\u03c1\u03b1\u03c3\u03cd\u03c1\u03bf\u03bd\u03c4\u03b1\u03c2 \u03ba\u03b1\u03b9 \u03c4\u03b9\u03c2 \u03ba\u03b1\u03c4\u03b1\u03bd\u03b1\u03bb\u03c9\u03c4\u03b9\u03ba\u03ad\u03c2 \u03c3\u03c5\u03bc\u03c0\u03b5\u03c1\u03b9\u03c6\u03bf\u03c1\u03ad\u03c2. \u03a0\u03b1\u03c1\u03cc\u03bc\u03bf\u03b9\u03b5\u03c2 \u03c4\u03ac\u03c3\u03b5\u03b9\u03c2 \u03c0\u03b1\u03c1\u03b1\u03c4\u03b7\u03c1\u03bf\u03cd\u03bd\u03c4\u03b1\u03b9 \u03ae\u03b4\u03b7 \u03ba\u03b1\u03b9 \u03c3\u03c4\u03b7\u03bd \u0395\u03bb\u03bb\u03ac\u03b4\u03b1. \u039c\u03c0\u03bf\u03c1\u03bf\u03cd\u03bc\u03b5 \u03bd\u03b1 \u03c0\u03bf\u03cd\u03bc\u03b5 \u03cc\u03c4\u03b9 \u03b7 \u03ba\u03c1\u03af\u03c3\u03b7 \u03b5\u03c0\u03ad\u03c3\u03c0\u03b5\u03c5\u03c3\u03b5 \u03c4\u03b7\u03bd \u03ad\u03bb\u03b5\u03c5\u03c3\u03b7 \u03c4\u03bf\u03c5 \u03ba\u03b1\u03c4\u03b1\u03bd\u03b1\u03bb\u03c9\u03c4\u03ae \u03c4\u03bf\u03c5 \u03bc\u03ad\u03bb\u03bb\u03bf\u03bd\u03c4\u03bf\u03c2, \u03bf \u03bf\u03c0\u03bf\u03af\u03bf\u03c2 \u03ad\u03c7\u03b5\u03b9 \u03c0\u03bf\u03bb\u03cd \u03b4\u03b9\u03b1\u03c6\u03bf\u03c1\u03b5\u03c4\u03b9\u03ba\u03ad\u03c2 \u03c0\u03c1\u03bf\u03c4\u03b5\u03c1\u03b1\u03b9\u03cc\u03c4\u03b7\u03c4\u03b5\u03c2 \u03ba\u03b1\u03b9 \u03ac\u03bb\u03bb\u03b5\u03c2 \u03c0\u03c1\u03bf\u03c4\u03b9\u03bc\u03ae\u03c3\u03b5\u03b9\u03c2, \u03b4\u03c1\u03ce\u03bd\u03c4\u03b1\u03c2 \u03c3\u03b5 \u03ad\u03bd\u03b1 \u03b1\u03bc\u03b9\u03b3\u03ce\u03c2 \u03c8\u03b7\u03c6\u03b9\u03b1\u03ba\u03cc \u03c0\u03b5\u03c1\u03b9\u03b2\u03ac\u03bb\u03bb\u03bf\u03bd. \u03a0\u03b1\u03c1\u03ac\u03bb\u03bb\u03b7\u03bb\u03b1, \u03cc\u03bc\u03c9\u03c2, \u03b5\u03b9\u03c3\u03ae\u03b3\u03b1\u03b3\u03b5 \u03ba\u03b1\u03b9 \u03b1\u03c0\u03c1\u03cc\u03b2\u03bb\u03b5\u03c0\u03c4\u03b5\u03c2 \u03bc\u03b5\u03c4\u03b1\u03b2\u03bb\u03b7\u03c4\u03ad\u03c2, \u03c0\u03bf\u03c5 \u03b4\u03b7\u03bc\u03b9\u03bf\u03c5\u03c1\u03b3\u03bf\u03cd\u03bd \u03ad\u03bd\u03b1\u03bd \u03bc\u03b5\u03b3\u03ac\u03bb\u03bf \u03b2\u03b1\u03b8\u03bc\u03cc \u03b1\u03b2\u03b5\u03b2\u03b1\u03b9\u03cc\u03c4\u03b7\u03c4\u03b1\u03c2 \u03c9\u03c2 \u03c0\u03c1\u03bf\u03c2 \u03c4\u03b9\u03c2 \u03ba\u03b1\u03c4\u03b1\u03bd\u03b1\u03bb\u03c9\u03c4\u03b9\u03ba\u03ad\u03c2 \u03c3\u03c5\u03bc\u03c0\u03b5\u03c1\u03b9\u03c6\u03bf\u03c1\u03ad\u03c2. \u039f\u03b9 \u03b5\u03c0\u03b9\u03c7\u03b5\u03b9\u03c1\u03ae\u03c3\u03b5\u03b9\u03c2 \u03c0\u03bf\u03c5 \u03b4\u03c1\u03b1\u03c3\u03c4\u03b7\u03c1\u03b9\u03bf\u03c0\u03bf\u03b9\u03bf\u03cd\u03bd\u03c4\u03b1\u03b9 \u03c3\u03b5 \u03c4\u03bf\u03bc\u03b5\u03af\u03c2 \u03c0\u03bf\u03c5 \u03c3\u03c7\u03b5\u03c4\u03af\u03b6\u03bf\u03bd\u03c4\u03b1\u03b9 \u03bc\u03b5 \u03c4\u03bf \u03bb\u03b9\u03b1\u03bd\u03b9\u03ba\u03cc \u03b5\u03bc\u03c0\u03cc\u03c1\u03b9\u03bf, \u03b8\u03b1 \u03c0\u03c1\u03ad\u03c0\u03b5\u03b9 \u03bd\u03b1 \u03b1\u03bd\u03b1\u03b8\u03b5\u03c9\u03c1\u03ae\u03c3\u03bf\u03c5\u03bd \u03c4\u03b1 \u03bc\u03bf\u03bd\u03c4\u03ad\u03bb\u03b1 \u03bc\u03b5\u03bb\u03bb\u03bf\u03bd\u03c4\u03b9\u03ba\u03ce\u03bd \u03c3\u03b5\u03bd\u03b1\u03c1\u03af\u03c9\u03bd, \u03bc\u03b5\u03bb\u03b5\u03c4\u03ce\u03bd\u03c4\u03b1\u03c2 \u03c4\u03b9\u03c2 \u03bd\u03ad\u03b5\u03c2 \u03c4\u03ac\u03c3\u03b5\u03b9\u03c2 \u03ba\u03b1\u03b9 \u03c0\u03c1\u03bf\u03c3\u03b1\u03c1\u03bc\u03cc\u03b6\u03bf\u03bd\u03c4\u03b1\u03c2 \u03c4\u03b9\u03c2 \u03b5\u03bd\u03ad\u03c1\u03b3\u03b5\u03b9\u03ad\u03c2 \u03c4\u03bf\u03c5\u03c2 \u03c3\u03b5 \u03b1\u03c5\u03c4\u03ad\u03c2, \u03ba\u03b1\u03b8\u03ce\u03c2 \u03bf\u03b9 \u03b1\u03bb\u03bb\u03b1\u03b3\u03ad\u03c2 \u03b5\u03bd\u03b4\u03ad\u03c7\u03b5\u03c4\u03b1\u03b9 \u03bd\u03b1 \u03b5\u03af\u03bd\u03b1\u03b9 \u03bc\u03cc\u03bd\u03b9\u03bc\u03b5\u03c2 \u03ba\u03b1\u03b9 \u03bd\u03b1 \u03b5\u03c0\u03b7\u03c1\u03b5\u03ac\u03c3\u03bf\u03c5\u03bd \u03bc\u03b1\u03ba\u03c1\u03bf\u03c0\u03c1\u03cc\u03b8\u03b5\u03c3\u03bc\u03b1 \u03c4\u03b7\u03bd \u03b1\u03b3\u03bf\u03c1\u03ac\u00bb.<\/em><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u039a\u03b1\u03c4\u03ac \u03c4\u03bf\u03c5\u03c2 \u03b5\u03c0\u03cc\u03bc\u03b5\u03bd\u03bf\u03c5\u03c2 \u03bc\u03ae\u03bd\u03b5\u03c2, \u03c4\u03bf\u00a0<em>EY Future Consumer Index<\/em>\u00a0\u03b8\u03b1 \u03c0\u03b1\u03c1\u03bf\u03c5\u03c3\u03b9\u03ac\u03b6\u03b5\u03b9 \u03c4\u03b1\u03ba\u03c4\u03b9\u03ba\u03ac \u03b4\u03b5\u03af\u03ba\u03c4\u03b5\u03c2 \u03ba\u03b1\u03b9 \u03b1\u03bd\u03b1\u03bb\u03cd\u03c3\u03b5\u03b9\u03c2, \u03c3\u03c7\u03b5\u03c4\u03b9\u03ba\u03ac \u03bc\u03b5 \u03c4\u03bf \u03c0\u03bf\u03b9\u03b5\u03c2 \u03b1\u03bb\u03bb\u03b1\u03b3\u03ad\u03c2 \u03b5\u03bd\u03b4\u03ad\u03c7\u03b5\u03c4\u03b1\u03b9 \u03bd\u03b1 \u03b5\u03af\u03bd\u03b1\u03b9 \u03c0\u03c1\u03bf\u03c3\u03c9\u03c1\u03b9\u03bd\u03ad\u03c2 \u03b1\u03bd\u03c4\u03b9\u03b4\u03c1\u03ac\u03c3\u03b5\u03b9\u03c2 \u03c3\u03c4\u03b7\u03bd \u03ba\u03c1\u03af\u03c3\u03b7 \u03c4\u03bf\u03c5 COVID-19, \u03ba\u03b1\u03b9 \u03c0\u03bf\u03b9\u03b5\u03c2 \u03c3\u03c5\u03bd\u03b9\u03c3\u03c4\u03bf\u03cd\u03bd \u03b8\u03b5\u03bc\u03b5\u03bb\u03b9\u03ce\u03b4\u03b5\u03b9\u03c2 \u03bc\u03b5\u03c4\u03b1\u03c4\u03bf\u03c0\u03af\u03c3\u03b5\u03b9\u03c2. \u039a\u03b1\u03b8\u03ce\u03c2 \u03b5\u03be\u03b5\u03bb\u03af\u03c3\u03c3\u03b5\u03c4\u03b1\u03b9 \u03b7 \u03ad\u03c1\u03b5\u03c5\u03bd\u03b1, \u03b8\u03b1 \u03c3\u03c5\u03bc\u03c0\u03b5\u03c1\u03b9\u03bb\u03b7\u03c6\u03b8\u03bf\u03cd\u03bd \u03ba\u03b1\u03b9 \u03ac\u03bb\u03bb\u03b5\u03c2 \u03c7\u03ce\u03c1\u03b5\u03c2 \u03c3\u03c4\u03bf \u03b4\u03b5\u03af\u03b3\u03bc\u03b1. \u0397 \u03c0\u03b9\u03bf \u03c0\u03c1\u03cc\u03c3\u03c6\u03b1\u03c4\u03b7 \u03b1\u03bd\u03ac\u03bb\u03c5\u03c3\u03b7 \u03b5\u03af\u03bd\u03b1\u03b9 \u03b4\u03b9\u03b1\u03b8\u03ad\u03c3\u03b9\u03bc\u03b7 \u03c3\u03c4\u03bf\u00a0<a rel=\"noreferrer noopener\" href=\"https:\/\/webforms.ey.com\/futureconsumerindex1\" target=\"_blank\">ey.com\/futureconsumerindex1<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0391\u03bd\u03b1\u03b4\u03b7\u03bc\u03bf\u03c3\u03af\u03b5\u03c5\u03c3\u03b7 \u03b1\u03c0\u03cc \u03c4\u03b7\u03bd <strong><a href=\"http:\/\/aagora.gr\" class=\"rank-math-link\">\u0391\u03c3\u03c6\u03b1\u03bb\u03b9\u03c3\u03c4\u03b9\u03ba\u03ae \u0391\u03b3\u03bf\u03c1\u03ac<\/a><\/strong>.<\/p>","protected":false},"excerpt":{"rendered":"<p>\u03a4\u03ad\u03c3\u03c3\u03b5\u03c1\u03b9\u03c2 \u03bd\u03ad\u03b5\u03c2 \u03c4\u03ac\u03c3\u03b5\u03b9\u03c2 \u03ba\u03b1\u03c4\u03b1\u03bd\u03b1\u03bb\u03c9\u03c4\u03b9\u03ba\u03ae\u03c2 \u03c3\u03c5\u03bc\u03c0\u03b5\u03c1\u03b9\u03c6\u03bf\u03c1\u03ac\u03c2 \u03ad\u03c7\u03b5\u03b9 \u03b1\u03bd\u03b1\u03b4\u03b5\u03af\u03be\u03b5\u03b9 \u03b7 \u03ba\u03c1\u03af\u03c3\u03b7 \u03c4\u03bf\u03c5 COVID-19, \u03c3\u03cd\u03bc\u03c6\u03c9\u03bd\u03b1 \u03bc\u03b5 \u03c4\u03b7 \u03bd\u03ad\u03b1 \u03ad\u03c1\u03b5\u03c5\u03bd\u03b1 \u03c4\u03b7\u03c2 \u0395\u03a5,\u00a0Future Consumer Index. \u0397 \u03c3\u03c5\u03b3\u03ba\u03b5\u03ba\u03c1\u03b9\u03bc\u03ad\u03bd\u03b7 \u03ad\u03c1\u03b5\u03c5\u03bd\u03b1 \u03c0\u03b1\u03c1\u03b1\u03ba\u03bf\u03bb\u03bf\u03c5\u03b8\u03b5\u03af \u03c4\u03b7\u03bd&#8230;<\/p>","protected":false},"author":1,"featured_media":2831,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[76,53],"tags":[],"class_list":["post-3013","post","type-post","status-publish","format-standard","has-post-thumbnail","category-arthrografia","category-oikonomia"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - 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\u03ba\u03b1\u03c4\u03b1\u03bd\u03b1\u03bb\u03c9\u03c4\u03b9\u03ba\u03ad\u03c2 \u03c3\u03c5\u03bc\u03c0\u03b5\u03c1\u03b9\u03c6\u03bf\u03c1\u03ad\u03c2 | Empowering Your Financial Journey\" \/>\n<meta property=\"og:description\" content=\"\u03a4\u03ad\u03c3\u03c3\u03b5\u03c1\u03b9\u03c2 \u03bd\u03ad\u03b5\u03c2 \u03c4\u03ac\u03c3\u03b5\u03b9\u03c2 \u03ba\u03b1\u03c4\u03b1\u03bd\u03b1\u03bb\u03c9\u03c4\u03b9\u03ba\u03ae\u03c2 \u03c3\u03c5\u03bc\u03c0\u03b5\u03c1\u03b9\u03c6\u03bf\u03c1\u03ac\u03c2 \u03ad\u03c7\u03b5\u03b9 \u03b1\u03bd\u03b1\u03b4\u03b5\u03af\u03be\u03b5\u03b9 \u03b7 \u03ba\u03c1\u03af\u03c3\u03b7 \u03c4\u03bf\u03c5 COVID-19, \u03c3\u03cd\u03bc\u03c6\u03c9\u03bd\u03b1 \u03bc\u03b5 \u03c4\u03b7 \u03bd\u03ad\u03b1 \u03ad\u03c1\u03b5\u03c5\u03bd\u03b1 \u03c4\u03b7\u03c2 \u0395\u03a5,\u00a0Future Consumer Index. \u0397 \u03c3\u03c5\u03b3\u03ba\u03b5\u03ba\u03c1\u03b9\u03bc\u03ad\u03bd\u03b7 \u03ad\u03c1\u03b5\u03c5\u03bd\u03b1 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