diff --git a/games/economy.py b/games/economy.py
index 9b3b7e3..4eca0e5 100644
--- a/games/economy.py
+++ b/games/economy.py
@@ -546,28 +546,27 @@ class EconomyManager:
         
         # Баланс
         cursor.execute('SELECT balance FROM user_balances WHERE user_id = ?', (user_id,))
-        balance = cursor.fetchone()[0] if cursor.fetchone() else 0.0
-        
+        row = cursor.fetchone()
+        balance = row[0] if row else 0.0
+
         # Активные вклады
         cursor.execute('SELECT COUNT(*), SUM(amount) FROM deposits WHERE user_id = ? AND is_active = 1', (user_id,))
         deposits = cursor.fetchone()
-        
+
         # Активные кредиты
         cursor.execute('SELECT COUNT(*), SUM(amount) FROM loans WHERE user_id = ? AND is_repaid = 0', (user_id,))
         loans = cursor.fetchone()
-        
-        conn.close()
-        
+
         # Получаем статистику сообщений за сегодня
         today = datetime.now().strftime('%Y-%m-%d')
         cursor.execute('SELECT message_count FROM daily_activity WHERE user_id = ? AND activity_date = ?', (user_id, today))
         today_messages = cursor.fetchone()
-        
+
         # Получаем статистику сообщений за вчера
         yesterday = (datetime.now() - timedelta(days=1)).strftime('%Y-%m-%d')
         cursor.execute('SELECT message_count FROM daily_activity WHERE user_id = ? AND activity_date = ?', (user_id, yesterday))
         yesterday_messages = cursor.fetchone()
-        
+
         conn.close()
         
         return {
diff --git a/main.py b/main.py
index 9af8ad7..667e3b3 100644
--- a/main.py
+++ b/main.py
@@ -1446,6 +1446,7 @@ async def handle_central_bank_cmd(message: Message):
 /cb_stats - краткая статистика
 /cb_rules - правила работы ЦБ
 """
+    await message.answer(text, parse_mode=None)
 
 async def handle_cb_stats_cmd(message: Message):
     """Статистика ЦБ для всех пользователей"""
@@ -1782,37 +1783,6 @@ def main():
         # Запуск фоновых задач экономики
         asyncio.create_task(economy_background_tasks())
 
-async def economy_background_tasks():
-    """Фоновые задачи для экономики"""
-    while True:
-        try:
-            # Проверяем текущее время по МСК
-            from datetime import datetime
-            from zoneinfo import ZoneInfo
-            
-            moscow_time = datetime.now(ZoneInfo("Europe/Moscow"))
-            current_hour = moscow_time.hour
-            current_minute = moscow_time.minute
-            
-            # Ежедневный сбор налогов (каждый час проверяем)
-            await asyncio.to_thread(economy.collect_daily_taxes)
-            
-            # Регулирование инфляции (раз в день)
-            await asyncio.to_thread(economy.regulate_inflation)
-            
-            # Выплаты за активность в 00:00 по МСК
-            if current_hour == 0 and current_minute == 0:
-                users_paid = await asyncio.to_thread(economy.pay_daily_activity_rewards)
-                if users_paid > 0:
-                    logger.info(f"Activity rewards paid to {users_paid} users at 00:00 MSK")
-            
-            logger.info(f"Economy background tasks completed at {moscow_time.strftime('%H:%M:%S MSK')}")
-        except Exception as e:
-            logger.exception(f"Economy background task failed: {e}")
-        
-        # Ждём 1 минуту до следующей проверки (для точности в 00:00)
-        await asyncio.sleep(60)
-
     dp.startup.register(on_startup)
 
     async def start_settle(bot: Bot):
@@ -1822,5 +1792,28 @@ async def economy_background_tasks():
     logger.info("Бот запущен...")
     asyncio.run(dp.start_polling(bot, allowed_updates=dp.resolve_used_update_types()))
 
+
+async def economy_background_tasks():
+    """Фоновые задачи для экономики"""
+    while True:
+        try:
+            moscow_time = datetime.now(ZoneInfo("Europe/Moscow"))
+            current_hour = moscow_time.hour
+            current_minute = moscow_time.minute
+
+            await asyncio.to_thread(economy.collect_daily_taxes)
+            await asyncio.to_thread(economy.regulate_inflation)
+
+            if current_hour == 0 and current_minute == 0:
+                users_paid = await asyncio.to_thread(economy.pay_daily_activity_rewards)
+                if users_paid > 0:
+                    logger.info(f"Activity rewards paid to {users_paid} users at 00:00 MSK")
+
+            logger.info(f"Economy background tasks completed at {moscow_time.strftime('%H:%M:%S MSK')}")
+        except Exception as e:
+            logger.exception(f"Economy background task failed: {e}")
+
+        await asyncio.sleep(60)
+
 if __name__ == "__main__":
     main()