Ключевые слова: 2025, abstract, background, banner, beginning, business, calendar, celebrate, celebration, challenge, change, concept, creative, date, economic, event, finance, financial, future, goal, greeting, growth, happy, holiday, idea, inspiration, investment, invitation, management, money, motivation, new, new year, plan, profit, sign, solution, start, strategy, success, target, text, time, vision, work, year,