  It is discussed some problems of normal states of high temperature
superconductors (HTS's) with d-wave pairing and next suppositions: 1) at
pseudogap temperature it occurs the dimensional crossover from 3D incoherent
normal state to quasi 2D system of Cu O2 layers; 2) "naked holes" are bed
quasiparticles for system with Janh-Teller and mixed valent Cu ions, strong
electron correlations and fluctuations, and inherent strong p-d hybridization
of copper and oxygen orbitals; 3) this leads to reducing of "naked holes" to
two types of magneto-elastic polarons. It is shown that one of them,
ferromagnetic bound polarons, lead to the formation of the stripes, and the
attraction between antiferromagnetic polarons lead to their pairing and to
superconducting fluctuations in plane. Some experimental evidences of the
observation of ferromagnetic bound polarons and of antiferromagnetic bipolarons
are discussed.
