Google Cloud Speech-to-Text API (Chirp) + Gemini 2.5 Flash Non-Thinking. Treat it as a searchable index of what was broadcast, not a quotation record.
00:00:00and actually transferring that money, that first, first pillar
00:00:03is, would that be a way, could that be
00:00:07one of the models for increasing basic
00:00:09pensions? Oh no, the matter
00:00:12vacations, or they go to is, how should I put it, the matter is, the matter is much
00:00:15more complex, because I mean, in the second
00:00:18pillar, there is now accumulated, I don't know exactly how much, 25
00:00:22billion, don't quote me on that, I'm not sure how much
00:00:26money, I mean.
00:00:30"Hypothetically, hypothetically, if
00:00:33we returned all that money from the second pillar,
00:00:37I say, it's impossible, it's impossible, that's our private
00:00:41property, but if someone, if
00:00:43someone,
00:00:46I don't know what word would be appropriate for that so that it wouldn't be too strong, if someone took
00:00:49all that money and put it into the first pillar, then what could happen is that pensions from
00:00:53the first pillar could be increased by many percent, and then what
00:00:57next year, what then that year?"
00:01:05That was a one-time, one-time cure, so it's not, it's not, it's not entirely, entirely a trivial
00:01:09Automobiliona, Fridays on operation in any way, but again, the key question is actually to understand how
00:01:13to improve the work of our second pillar, how to make it
00:01:16more productive, how to make it more efficient, what
00:01:20we need, can and must do.
00:01:22The preliminary question is what we should have, could have, and had to do
00:01:26so far in terms of regulation.
00:01:30To do in supervision to ensure
00:01:33that the accumulation of our contributions in the second pillar is much greater,
00:01:37much, much, how shall I put it,
00:01:40more effective, so that
00:01:42weekend. Are there any preparations that that pillar serves its purpose and serves that fundamental purpose
00:01:45for which it was established. You opposed
00:01:48the possibility for mandatory funds to invest in real estate
00:01:51and warned about the political and
00:01:54fiscal risk with certain alternative funds. What
00:01:58investment freedoms would you give them, or where
00:02:01would you set restrictions for them? Well, look, investing
00:02:05in real estate is absolutely the most unproductive
00:02:08form of investment, it's literally like burying money
00:02:12in the ground, so that, investing in
00:02:15real estate is not something that, I don't
00:02:19know, creates new value, opens
00:02:22new jobs, and so on and so forth, that's generally known, that's not
00:02:26some specific, that's not some exotic view, mhm.
00:02:30"It's simply a question
00:02:32of of pension fund investments, of course,
00:02:36investing in real estate is, on the other hand, attractive
00:02:39and then that question is constantly perpetuated
00:02:43because, because by their nature, pension funds must
00:02:46invest long-term and
00:02:49conservatively. The real question,
00:02:52however, is the first
00:02:54question, however,
00:02:58of investment." The freedom of investing in shares,
00:03:03July is at so we, especially in the early days when pension funds
00:03:06were established, i.e. 2002 onwards, had very, very
00:03:09rigid regulations which stipulated that practically everything
00:03:13that pension funds invested was invested in government
00:03:15bonds, which largely
00:03:18financed the transition cost, the transition cost is what, it's
00:03:22the money that you are now missing in the second, in the first pillar because part of the contributions
00:03:26went there, okay, because the design of the system of that
00:03:30first pillar is such that when we pay contributions, they are no longer
00:03:34ours, but they serve to pay pensions to current
00:03:37pensioners, if part of our contributions now goes to the second pillar,
00:03:40something is missing there, how did the state solve that, the state
00:03:44solved it by stipulating that these mandatory
00:03:47pension funds make the bulk of their investments
00:03:51in government bonds, now that's that
00:03:54vicious circle, with time, the
00:03:57investment policy of shares was liberalized.
00:04:00"And it is much, much more liberal today than before, but I think that it is
00:04:04actually necessary to make much, much more
00:04:07effort to, uh, to
00:04:10find the right, the right balance, mind you, it is an extremely
00:04:14non-trivial question,
00:04:16generally
00:04:19the task of pension funds is, as their
00:04:23fundamental, fundamental principle, to be reliable,
00:04:27I mean, they must not speculate." To invest
00:04:30no, so, so, you have to find
00:04:33some, some optimal balance between
00:04:37having a sufficient degree of reliability on the one hand,
00:04:41and liquidity, obviously, on the other hand,
00:04:44that investments are profitable,
00:04:48profitable, it's much more profitable to invest in
00:04:51shares, of course, now the question of investment policy in which, how
00:04:55much, than in government bonds. Now, there is therefore
00:04:59the question of regulation, there is the question of supervision, there is a whole host
00:05:02of questions about how we can
00:05:06improve the
00:05:09efficiency and
00:05:12productivity of these mandatory pension funds, Mr. Bakić, thank you very
00:05:16much for having explained the entire
00:05:19pension system so clearly, I know that some questions were difficult and
00:05:22complex, and thank you for the clear
00:05:25explanation. Damir Bakić from the Možemo party, thank you.
00:05:45AI changes the rules of the game or has it already changed them? In AI
00:05:49Central Point, we discover innovations that push boundaries,
00:05:53from smart algorithms to technologies that are already shaping our
00:05:57future. Who is leading the race, who is lagging behind, and
00:06:00what does that mean for humanity? Don't miss
00:06:03AI Central Point, the place where the future begins.
00:06:07Thursdays at 8 PM, only on N1
00:06:10Television.
00:06:13Novelties, tests, news, old and
00:06:17new. Every second and fourth Friday of the month,
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00:06:24We introduce you to new models, technologies, advise
00:06:28you on how to buy a car, and talk about the problems that
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00:09:29Welcome back, we are now going to Cavtat
00:09:33where Mr. Božo Lazić, the mayor of
00:09:36Konavle municipality, is waiting for us. We said good morning, Mr. Lazić, and welcome to
00:09:39N1. Good morning to you and all your
00:09:43viewers. We said that in the past
00:09:47few days we have been following these huge crowds in the south of Croatia
00:09:51that blocked your area, specifically
00:09:54the municipality of Konavle. You were
00:09:57among the most affected, how much did it affect
00:10:01tourists, but equally importantly, how much did it affect
00:10:05you and the entire local
00:10:07population?
00:10:10Well, it's true that it was like that. This weekend
00:10:13was a bit chaotic,
00:10:17namely, around 14 to 15,000 vehicles and
00:10:20oko mm 14 do 15.000 vozila i
00:10:23somewhere over 40,000 people passed through
00:10:26Konavle at that time, so that's approximately five
00:10:29times our community of about
00:10:338,000 inhabitants. So, five times how
00:10:36big Konavle is at all.
00:10:39Uh, of course, it really looked chaotic,
00:10:43we had big problems, but I must say that
00:10:46the police did a great job
00:10:49and prevented any major unpleasantness
00:10:53that could have happened. Uh,
00:10:56so, there was nervousness in that column,
00:10:59you have to understand, people wait for 12 to 15 hours, there was nervousness for
00:11:03the locals, our population, people can't get home from work,
00:11:07they can't, uh, you can't simply function normally, the biggest
00:11:11fear in this whole story was that, God forbid, something
00:11:14worse would happen, some traffic accident, that a possible
00:11:17fire or something would happen, then it would be
00:11:21a complete catastrophe, but as I say, we ended up doing well,
00:11:25we have now cleaned up those huge amounts of
00:11:28waste that were along the way, we are waiting, we expect
00:11:31a new, new weekend, we hope that there will not be such crowds as
00:11:35there were last time, and I think there shouldn't be, there are a series of
00:11:39circumstances that have happened,
00:11:43first Feragosto started in Italy, then also
00:11:46the Scottish holidays started
00:11:49in Western Europe, of course, everyone wanted
00:11:52especially the Albanian population and
00:11:56the Macedonian one to go home with their families to be there for these
00:12:00holidays, and as I say, we hope that this weekend will not be
00:12:03as it was last
00:12:07you are working on before this new
00:12:09weekend? It's not that exactly today after this conversation with
00:12:13you I have a meeting with
00:12:16the civil protection staff and the police and we will arrange everything we can.
00:12:20Listen, we can't control the flow, the flow
00:12:23is what it is at the border.
00:12:25The border, the Croatian border and the Montenegrin border are
00:12:28close by, there's an additional problem when it gets
00:12:32jammed there, when it gets jammed here, then we have a problem,
00:12:35we have to, you know, it's then
00:12:39successively these
00:12:41passengers are allowed through, Mr. Lasić, when we talk about
00:12:44the season, these big
00:12:47crowds could in a way
00:12:49look absolutely like a good season, like
00:12:53a large number of people, a large influx of tourists,
00:12:56however, we have been hearing for the past two months since
00:12:59the season started that it might not be as great as
00:13:03expected, that we have entered a period of
00:13:06stagnation,
00:13:08what is the season like specifically in your municipality of
00:13:11Konavle? I can only talk about the season in the municipality of
00:13:14Konavle, not others, that's why I'm asking that,
00:13:18yes, so, the season is good for us, we had
00:13:21June in positive, I think around
00:13:25two to 3%,
00:13:28the level of last year, we mostly have airline
00:13:32guests, so we are an airline destination, I think
00:13:35about 40% of guests
00:13:39are from the United Kingdom, and for now we can be
00:13:43satisfied, I often emphasize that it is not
00:13:46only important how many guests came, how many visited
00:13:50us, but how satisfied the local population is,
00:13:53how the whole system functions,
00:13:57you know, when
00:13:59you have a certain number of inhabitants, when you have large
00:14:02crowds, a large influx of guests, these incidental
00:14:05problems that occur, of course, create an
00:14:09additional atmosphere and you have one, let's say
00:14:12conditionally, problem, but thank God, for now we are doing
00:14:15everything as it should be, we have a very good
00:14:19communal infrastructure for now, sewerage,
00:14:22water, drainage, that means a lot to us, that... "For the last 30
00:14:25years, we have really exceptionally arranged it, so that
00:14:29all larger settlements, including
00:14:32Cavtat, Gruda, Molunat, have their own
00:14:36sewage system. We are preparing for the construction of a sewage system for Čilipi, although it has partly reached
00:14:40Čilipi, to the airport, and that is very important, you
00:14:43have a sewage system that works, you have clean
00:14:46sea. When you walk along the promenade in
00:14:49Cavtat, you will always see clear and clean
00:14:52sea, and Cavtat, as you can see, Konavle deserves a series of
00:14:56awards that we have received in the last few years, that is important to us. We have some problems
00:15:00with, since all places in Croatia, and
00:15:03I think not only in Croatia but in the whole of Europe, that is the problem
00:15:07of waste management, but we are trying to arrange that
00:15:11somehow and I hope that we will solve that problem
00:15:14in the coming years. We need to change people's
00:15:17habits a little, we need to organize it
00:15:21better, but I think there will be no reasons why it wouldn't work well."
00:15:25And Mr. Lasić, Croatia as a tourist
00:15:29destination, especially the south of Croatia,
00:15:33perhaps in these new, new trends that
00:15:37are emerging, the Mediterranean is no longer that
00:15:40sole attractive destination, today we see people
00:15:44going to the mountains, to the Alps, there
00:15:47they spend their
00:15:50places that are more competitive in terms of price. You
00:15:53said that you have certainly maintained or increased
00:15:57traffic by a few percentage points, i.e. the arrival of tourists, but what
00:16:01interests me is what is the situation regarding
00:16:05their spending once they arrive. "Specifically,
00:16:09in the municipality of Konavle, is the consumption of food
00:16:12and drinks in restaurants, for example, lower or similar,
00:16:16or is that information you might not have? I'm interested in whether the
00:16:20season has perhaps weakened in some other parameters,
00:16:23but still due to the rise in prices that we all
00:16:26feel. Yes, yes, you stated that well,
00:16:30it's true that the habits of tourists are changing, new
00:16:33generations are coming who have completely different
00:16:36thoughts. Some other desires, it's often
00:16:40some kind of, let's say, adventurous tourism
00:16:43and some other, as I say, some other
00:16:47destinations are more
00:16:49interesting today, you have one characteristic that
00:16:53a guest, before you had a guest who would come with his car,
00:16:56I remember in my time,
00:17:00and that was a long time ago, 30, 40 years ago, 50, my youth,
00:17:04a guest would come from Germany, park his car at the hotel
00:17:07and then stay for 10-15 days or seven, you had a guest for eight
00:17:11days, for 15 days or more days, today you have a young
00:17:15man who comes and wants to see as much as possible,
00:17:17visit different destinations, he will come to
00:17:20Konavle, come to Cavtat, he will go to Kotor, he will go, I don't
00:17:24know, to Cetinje, he will go to Mostar,
00:17:27Dubrovnik, these are all destinations that interest him and he stays for two to three
00:17:31days here with us, and really in that
00:17:34sense, habits are changing, and we
00:17:37in Konavle have really made that response through agritourism,
00:17:41through some new destinations that we have created, and
00:17:44we are trying our best to do that,
00:17:48and as I say, habits are changing, the narrative is changing, the story is changing,
00:17:52today sunbathing is no longer really, not really
00:17:55in, right? We talk about the sun
00:17:58as a kind of danger of
00:18:02getting melanoma or I don't know what, then people avoid it, you know,
00:18:06we all have to be prepared for that. Do
00:18:09guests spend less or more? It is true that they spend less,
00:18:13but it is also a fact that we as a destination are certainly
00:18:17expensive, but again, the other day I
00:18:20had a classic example, I always like to tell an anecdote and
00:18:24give some tangible examples, by circumstances
00:18:27I was in Paris and a kilo of cherries was over 30 euros, so
00:18:31everywhere, I'm afraid, the euro, thanks
00:18:34to, conditionally speaking, the corona crisis, has really
00:18:37depreciated significantly, and today I have the feeling when I have
00:18:41one euro in my pocket that I have one kuna, and even in some
00:18:45things that kuna is stronger, at least that's
00:18:49my impression, than that one euro, but as I say,
00:18:52we try, guests try their best to
00:18:56accommodate guests, but in my opinion the price
00:18:59is still, the prices are not, they are not appropriate, they are not
00:19:02as high as they should be, and moreover, the state has intervened in many
00:19:06things to prevent prices from increasing, the prices of
00:19:09energy, that is rarely talked about, they have been frozen
00:19:12for years, electricity has really become, in my opinion,
00:19:16cheap, too cheap, attempts were made
00:19:19with the price of oil, only
00:19:22other benefits and the government
00:19:26conditionally put pressure on local self-government not to increase
00:19:29utility fees, contributions and so on, we
00:19:32did all that and now we have come to a situation... "If
00:19:36you allow me, because I am in the position
00:19:40of the president of the community of municipalities of the Republic of Croatia, we have come to a situation,
00:19:43as in Germany and other countries, that the local self-government,
00:19:47its function has come into question, you know, because we
00:19:51haven't increased prices for years, and the prices of staying in
00:19:55kindergartens, and the prices of utility fees, contributions and everything
00:19:58else, and local taxes, that's one problem, we haven't
00:20:02increased them, we haven't increased them for the reasons I mentioned,
00:20:05but of course there are also political reasons why
00:20:08local leaders in a way
00:20:11didn't want to increase it for political reasons,
00:20:15these are the problems we face, I see
00:20:18in Germany there were demonstrations in front of the Bundestag
00:20:21by local leaders and so on, these are problems that
00:20:25we simply have to solve on the fly,
00:20:29Mr. Lasić, thank you very much for this conversation, for
00:20:32joining us, for the detailed
00:20:35overview of the situation in the south of Croatia. We send
00:20:38you greetings to Cavtat, thank you for being a guest of
00:20:40N1, thank you for listening to me and for giving
00:20:44me the space to tell you these things, have a nice day, best
00:20:48regards.
00:21:04AI changes the rules of the game or has it already changed them? In
00:21:07AI Central Point, we discover innovations that push boundaries,
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00:21:15future. Who is leading the race, who is lagging behind, and
00:21:18what does that mean for... Don't miss AI Central
00:21:22Point, the place where the future begins.
00:21:25Thursdays at 8 PM, only on N1
00:21:28Television.
00:21:32Novelties, tests, news, old and
00:21:35new. Every second and fourth Friday of the month,
00:21:39we bring you everything relevant from the automotive industry.
00:21:42We introduce you to new models, technologies, advise
00:21:46you on how to buy a car, and talk about the problems that
00:21:49plague all participants in traffic. Follow us and
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00:25:09Welcome back, we continue today's
00:25:13topics, now we move on to foreign policy, with
00:25:16me via video link is colleague Esmir.
00:25:20Editor of foreign policy for N1 Bosnia and
00:25:23Herzegovina, Esmir is in Sarajevo. Esmir, welcome to N1
00:25:26Croatia. Good morning, Hanan,
00:25:30let's start with the US and Iran,
00:25:33these renewed new
00:25:35negotiations,
00:25:37new blockades, questions about what will happen with the Strait of Hormuz.
00:25:40Donald Trump announced that the Iranians had been negotiating
00:25:44with the Iranians all day,
00:25:47but again, obviously in his own style,
00:25:51he said and threatened, there will be retaliation, there will be
00:25:54strong attacks on Iran if an agreement is not
00:25:58reached. What is the current situation
00:26:02when it comes to negotiations? Iran could
00:26:05gain the right to supervise ships entering
00:26:08the Persian Gulf?
00:26:12What we currently know is that Iranians are leading
00:26:16negotiations with Oman, they are not leading negotiations with
00:26:19Americans, because as the American president says, if there isn't
00:26:23something, there will be something, this practically means that
00:26:26uh he uh imagines
00:26:30that those negotiations are taking place, because as we know... "in the past few
00:26:33weeks, there have been no significant contacts
00:26:36between the two delegations
00:26:39directly, Qatar, a few days ago, Majed Al-Ansari
00:26:42and their spokesperson for the Ministry of Foreign Affairs announced that they have
00:26:46joined all this, that practically means
00:26:49that someone more serious had to
00:26:52join the negotiations, a mediator, to try to reach a
00:26:55solution, because Pakistan did not succeed,
00:26:58mm, everything else failed for the simple reason that..." "what you just
00:27:02said, he
00:27:05constantly threatens, constantly makes new
00:27:08demands, new threats, constantly
00:27:12changes his mind, no one is sure anymore whether
00:27:15something agreed today in the
00:27:18afternoon will still be in force, so what the American
00:27:22president is doing has become quite
00:27:25tiresome, because I will remind our viewers that at the beginning
00:27:29of the war, that is, at the end of February, he said: "how long
00:27:33will it last, four to six weeks, here we are
00:27:36in the sixth month of this war and there is no end
00:27:39in sight, the only thing we got in the past few hours as
00:27:43some concrete information is that
00:27:47Iran and Oman discussed those routes about how
00:27:50to pass through Hormuz, but
00:27:54that still has many problems within
00:27:57itself, because uh some are asking what if
00:28:01those are introduced. I don't know transit tariffs or customs or
00:28:05something, some tolls, as I would call it, that will
00:28:09create additional costs for people who uh
00:28:12do business with the Gulf region and that will of course
00:28:16have an effect on the global community, so
00:28:19this problem with the American administration has been going on
00:28:23for too long and I think that if he really wants to reach
00:28:26some agreement, he should create a serious
00:28:30negotiating team that would then go and talk with
00:28:33partners in the Gulf region and beyond to
00:28:37finally find a solution to all of this. Well now,
00:28:41here you mentioned Trump's original announcement that the war
00:28:44would last four to seven weeks,
00:28:48it's clear we are where we are now. What
00:28:51has been questioned for some time, and in recent
00:28:55days increasingly, is the question
00:28:58of how much this war is exhausting, primarily
00:29:01the United States. "and not so much
00:29:04Iran,
00:29:06how much longer this war could last and what is questioned is how much it will
00:29:09harm
00:29:13the US economy, i.e. are there
00:29:16sufficient supplies of ammunition, they may not even
00:29:19have to exist, but how much money will go into their
00:29:23creation and for us to procure
00:29:26such a thing so that the war could continue?
00:29:30You are absolutely right, according to the latest information published
00:29:33by colleagues from CNN and other American media,
00:29:36their supplies are currently reduced
00:29:39by approximately 80%, especially
00:29:43when it comes to missile interceptors,
00:29:46what Iranians practically did here, Iranians fired those
00:29:49missiles to force Americans to defend themselves,
00:29:53i.e. to defend allies in the Gulf region. Another
00:29:57thing that is very uh difficult for the American president at
00:30:00this moment, mm... is that
00:30:04none of those attacks led to what he was
00:30:07talking about, that they were wiped off the face of the earth, that they were destroyed, that they cannot
00:30:11defend themselves, that they cannot attack and so on and so forth, they still
00:30:15have uh considerable supplies,
00:30:18certain things, as we learned from intelligence data, reports
00:30:22of our colleagues globally have already
00:30:25uh replenished supplies, they produced them in their own
00:30:28production, I already said, I mean in our Zagreb program
00:30:32and our Sarajevo program countless times that
00:30:35for example the Shahed 136 drones that Russia uses
00:30:39in Ukraine are simply transferred across
00:30:42the border from Russia from factories that have
00:30:45um a license to produce
00:30:48are given to uh Iranians, Iranians
00:30:52continue to use them normally. We saw in the Gulf region that
00:30:55Iranians mostly used drones for attacks, meaning they did not
00:30:59use'.