access to banking for people with a learning disability
TRANSCRIPT
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@ffjss tg m`ihdie ngr
pjgpbj wdta ` bj`ridie
cds`mdbdty
M`ihdie rdeats rjsj`rfa prgojft? i`b rjpgrt
Njmru`ry =
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=
M`ihdie rdeats rjsj`rfa prgojft? i`b rjpgrt
@ffjss tg m`ihdie ngr pjgpbj wdta `
bj`ridie cds`mdbdty
@utagr? Kjdhj Mjfhngrc
Njmru`ry =
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J`sy ]j`c sukk`ry
Nubb rjpgrt
Ditrgcuftdgi
Ditrgcuftdgi tg Cgsa
Kjtagcgbgey@i`bysds gn taj Dssujs
Kjit`b f`p`fdty
\rggn gn dcjitdty
@ffjss tg kgijy
Fgisdstjify gn sjrvdfj `ic dingrk`tdgi
Vgbutdgis Kjit`b f`p`fdty
\rggn gn dcjitdty
@ffjss tg kgijy
Fgisdstjify gn sjrvdfj `ic dingrk`tdgi
]jfgkkjic`tdgis
Fgifbusdgi
Bdst gn gibdij rjsgurfjs
Mdmbdger`pay
Udta ta`ihs
@ppjicdx? Cgsa stgrdjs
Fgitjits
6
3-4
0
=5
=5-=1
=1
=4
60
6=-66
63-6:
6>
65-3
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3
Sads ds `i J`sy ]j`c sukk`ry gn ` rjpgrt `mgut taj
`ffjss tg m`ihdie ngr pjgpbj wdta ` bj`ridie cds`mdbdty.
Sads rjpgrt ds wrdttji my Cgsa. Cgsa suppgrts pjgpbj wdta
` bj`ridie cds`mdbdty wdta tajdr kgijy.
Kgrj pjgpbj igw ijjc ` m`ih `ffguit tg spjic tajdrkgijy, ejt tajdr mjijts `ic k`i`ej cdrjft p`ykjits ngr
tajdr pjrsgi`b mucejt. Sads kj`is ta`t `ffjss tg m`ihdie
ds dkpgrt`it.
Sads rjpgrt ds `mgut agw pjgpbj wdta ` bj`ridie cds`mdbdty ejt
`ffjss tg m`ihdie `ic taj prgmbjks tajy a`vj wdta m`ihs
`ic mudbcdie sgfdjtdjs.
Saj Cgsa i`ifd`b `cvgf`tjs a`vj wrdttji `mgut taj
prgmbjks tajy a`vj sjji. Uj a`vj bgghjc `t tajsj stgrdjs
`ic gtajr rjsj`rfa tg wrdtj tads rjpgrt.
Sads rjpgrt?
0. jxpb`dis taj 3 k`di prgmbjks wj a`vj nguic wdta `ffjss
tg m`ihs
=. sueejsts : w`ys tg k`hj dt j`sdjr ngr pjgpbj wdta `
bj`ridie cds`mdbdty tg usj m`ihs `ic mudbcdie sgfdjtdjs.
Cgsa rjpgrt? `ffjss tg m`ihdie ngr
pjgpbj wdta ` bj`ridie cds`mdbdty
J`sy ]j`c sukk`ry
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:
\rgmbjks
Uj a`vj nguic 3 k`di prgmbjks ta`t pjgpbj wdta ` bj`ridie
cds`mdbdty a`vj wdta m`ihs. Sajy `rj?
0. Kjit`b f`p`fdty
Kjit`b f`p`fdty kj`is mjdie `mbj tg k`hj ` cjfdsdgi `mgut
sgkjtadie, ngr jx`kpbj cjfdcdie tg gpji `ic k`i`ej `
m`ih `ffguit.
Saj Kjit`b F`p`fdty @ft ds ` b`w ta`t s`ys ta`t jvjrygij
sagubc mj suppgrtjc tg k`hj cjfdsdgis ngr tajksjbvjs dn
tajy f`i. M`ihs kust ngbbgw tads b`w, mut sgkjtdkjs tajy cg
igt cg jvjrytadie tajy sagubc.
Ngr jx`kpbj, wj a`vj nguic ta`t m`ihs sgkjtdkjs s`y
ta`t sgkjgij cgjs igt a`vj taj f`p`fdty tg gpji ` m`ih
`ffguit. Sajy s`y tads mjngrj tajy a`vj suppgrtjc taj
pjrsgi tg uicjrst`ic `ic cjfdcj tg gpji ` m`ih `ffguit.
Saj m`ihs a`vj dingrk`tdgi gi wa`t tg cg dn sgkjgij cgjs
igt a`vj taj f`p`fdty tg k`i`ej ` m`ih `ffguit. Sajy cg
igt a`vj ` bgt gn dingrk`tdgi gi agw tg suppgrt sgkjgij tga`vj f`p`fdty gr wa`t tg cg dn ygu `rj igt surj.
=. \rggn gn dcjitdty `ic prggn gn `ccrjss
Uaji ygu gpji ` m`ih `ffguit ygu a`vj tg prgvj wag ygu
`rj `ic wajrj ygu bdvj.
Kgst pjgpbj usj ` p`sspgrt `ic ` crdvdie bdfjifj tg cg tads.
Vgkj pjgpbj cg igt a`vj tajsj cgfukjits.
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Saj m`ihs a`vj bdsts gn wa`t gtajr cgfukjits pjgpbj f`i
usj. Saj prgmbjk ds ta`t taj m`ihs cg igt `bw`ys tjbb pjgpbj
`mgut taj gtajr cgfukjits.
6. @ffjss tg kgijy
Uj a`vj nguic prgmbjks wdta?
pjgpbj ejttdie kgijy nrgk taj fguitjr `ic nrgk f`sa
k`fadijs
usdie ` f`rc `ic \DI (` sjfurdty fgcj gn 3 iukmjrs ta`t
ygu a`vj tg rjkjkmjr)
`ffjssdmbj dingrk`tdgi
m`ihs edvdie suppgrt di taj mr`ifa
m`ihs wgrhdie wdta suppgrt wgrhjrs, `cvgf`tjs `ic
n`kdbdjs wag `rj suppgrtdie taj pjrsgi.
Dn pjgpbj ejt taj rdeat suppgrt tg `ffjss `ic uicjrst`ic `
m`ih `ffguit taji tajy f`i mj kgrj dicjpjicjit. Sajy wdbb
mj `mbj tg usj tajdr kgijy di taj w`y tajy w`it. Sajy ijjc
taj m`ihs ajbp tg cg tads.
Saj Jqu`bdty @ft ds ` b`w ta`t s`ys ta`t m`ihs a`vj tg k`hj
fa`iejs tg tajdr sjrvdfjs sg ta`t pjgpbj wdta ` cds`mdbdty f`i`ffjss tajk.
M`ihs k`hj sgkj fa`iejs, mut wj a`vj nguic ta`t tajy cg
igt `bw`ys k`hj `bb taj fa`iejs tajy sagubc.
M`ihs `rj wgrrdjc `mgut taj m`ih `ffguits igt mjdie s`nj
jiguea dn tajy k`hj tgg k`iy fa`iejs. M`ihs ijjc suppgrt
wdta tads sg ta`t tajy higw wa`t fa`iejs tajy f`i k`hj.
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3. @bw`ys ejttdie ` eggc sjrvdfj `ic eggc dingrk`tdgi
Uj a`vj nguic ta`t sgkj m`ihs `ic sgkj pjgpbj `rj vjry
eggc `t suppgrtdie pjgpbj wdta ` bj`ridie cds`mdbdty wdta tajdr
kgijy.
Saj prgmbjk ds ta`t tads cgjs igt `bw`ys a`ppji. Sads
kj`is ta`t sgkj pjgpbj `rj stgppjc nrgk k`i`edie ` m`ih
`ffguit my tajksjbvjs.
Sajy cg igt ejt dingrk`tdgi ta`t tajy f`i uicjrst`ic gr tajy
cg igt ejt taj rdeat suppgrt.
]jfgkkjic`tdgis
Uj a`vj k`cj : sueejstdgis ngr agw tg stgp tajsj prgm-
bjks.
0. ]jsj`rfa
Uj ijjc tg cg kgrj rjsj`rfa wdta bgts gn pjgpbj wdta `
bj`ridie cds`mdbdty.
Saj rjsj`rfa sagubc try tg ic gut agw k`iy pjgpbj a`vj
prgmbjks wdta m`ihs `ic wa`t taj prgmbjks `rj.
=. @ eudcj ngr m`ihs
M`ihs sagubc wrdtj ` eudcj ngr st`nn `mgut agw tajy f`i
suppgrt pjgpbj wdta bgts gn cdnnjrjit ijjcs.
Saj eudcj sagubc s`y wa`t fa`iejs tajy f`i k`hj tg
tajdr sjrvdfjs. Saj eudcj sagubc `bsg jxpb`di agw tg fajfhdn sgkjgij a`s taj f`p`fdty tg k`hj ` cjfdsdgi `mgut
m`ihdie.
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1
6. Sr`didie ngr m`ihs
M`ihs sagubc cg tr`didie ngr `bb tajdr st`nn `mgut wa`t taj
eudcj s`ys.
Sajy sagubc cg tr`didie gi?
kjit`b f`p`fdty
agw tg suppgrt sgkjgij
cdnnjrjit w`ys sgkjgij f`i prgvj wag tajy `rj.
Sajy sagubc k`hj surj jvjrygij cgjs tads sg ta`t jvjrygij
ejts taj s`kj eggc suppgrt `ic dingrk`tdgi.
Sajy sagubc `bsg tj`fa jvjrygij `mgut wa`t ` bj`ridie
cds`mdbdty ds `ic taj w`ys dt kdeat `nnjft pjgpbjs m`ihdie.
3. J`sy ]j`c
M`ihs sagubc wrdtj dingrk`tdgi di J`sy ]j`c.
:. @ eudcj ngr pjgpbj wdta ` bj`ridie cds`mdbdty
Uj sagubc wrdtj ` eudcj ngr pjgpbj wdta ` bj`ridie cds`mdbdty
`ic tajdr suppgrtjrs.Saj eudcj sagubc tjbb jvjrygij wa`t taj
b`ws s`y `ic agw tg wgrh wdta m`ihs.
Cgsa a`s st`rtjc tg wrdtj tads eudcj. Uj w`it bgts gn gtajr
pjgpbj `ic gre`ids`tdgis tg ajbp us tg sa`rj `ic cjvjbgp
tads.
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4
Fgifbusdgi
Uj a`vj sagwi ta`t tajrj `rj sgkj prgmbjks ngr pjgpbj
wdta ` bj`ridie cds`mdbdty `ffjssdie m`ihdie `t taj kgkjit.
Gur sueejstdgis sagw agw wj f`i k`hj fa`iejs. Dt ds
dkpgrt`it ta`t m`ihs, pjgpbj wdta ` bj`ridie cds`mdbdty `ic
tajdr suppgrtjrs `bb wgrh tgejtajr tg k`hj tajsj fa`iejs.
Dt ds dkpgrt`it ta`t jvjrygij wag w`its tg a`s suppgrt tg
`ffjss m`ihdie.
@ m`ih `ffguit edvjs pjgpbj fgitrgb gvjr tajdr kgijy `ic
k`hjs tajk kgrj dicjpjicjit.
Ndic gut kgrj
Tgu f`i ic gut kgrj `mgut sgkj gn taj tadies wj t`bh
`mgut ajrj?
M`rfb`ys (=
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Nubb Cgsa rjpgrt? `ffjss tg m`ihdie ngr pjgpbj
wdta ` bj`ridie cds`mdbdty
Ditrgcuftdgi
Di =
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Dt adeabdeats ngur hjy `rj`s? kjit`b f`p`fdty, prggn gn dcjitdty, `ffjss
tg kgijy `ic fgisdstjify gn sjrvdfj `ic dingrk`tdgi wajrj prgmbjks
fgitdiuj tg jxdst.
Dt cjkgistr`tjs taj frufd`b dkpgrt`ifj gn rjfgifdbdie taj i`ifd`b
difbusdgi `ejic` `ic m`ihs `kmdtdgus rajtgrdf wdta taj c`y-tg-c`y
jxpjrdjifjs gn pjgpbj trydie tg `ffjss m`ihdie.
Saj rjpgrt taji k`hjs ` iukmjr gn rjfgkkjic`tdgis tg dkprgvj
taj sdtu`tdgi `ic suppgrt taj m`ihdie rdeats gn pjgpbj wdta ` bj`ridie
cds`mdbdty. Sajsj difbucj taj cjvjbgpkjit gn dkprgvjc eudc`ifj ngr
m`ih st`nn, tr`didie, `ffjssdmbj dingrk`tdgi `ic eudc`ifj ngr pjgpbj
wdta ` bj`ridie cds`mdbdty `ic tajdr suppgrtjrs.
Cgsa f`bbs gi suppgrt gre`ids`tdgis `ic taj m`ihdie sjftgr tg ji-e`ej wdta dt gi dkpbjkjitdie tajsj rjfgkkjic`tdgis `ic tajrjmy
dkprgvdie `ffjss tg m`ihdie ngr jvjrygij.
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Ditrgcuftdgi tg Cgsa
Cgsa suppgrts pjgpbj wdta ` bj`ridie cds`mdbdty wdta tajdr kgijy. Uj
w`it pjgpbj tg mj kgrj dicjpjicjit `ic a`vj kgrj fgitrgb gvjr
tajdr kgijy.
Uj prgvdcj pjrsgi-fjitrjc `ppgditjjsadp. Sads kj`is wj `rj taj
Fgrpgr`tj @ppgditjj wdta taj Cjp`rtkjit ngr Ugrh `ic \jisdgis ngr
pjgpbj `ic rjfjdvj tajdr mjijts gi tajdr mja`bn. Uj `bsg suppgrt
tajk wdta i`ifd`b `cvgf`fy.
Uj suppgrt ` iukmjr gn pjgpbj wdta sjbn-cdrjftjc suppgrt, difbucdie
Dicdvdcu`b Mucejts `ic Dicdvdcu`b Vjrvdfj Nuics. Uj `bsg prgvdcj
i`ifd`b `cvgf`fy ngr ` njw pjgpbj ta`t a`vj ` Fgurt gn \rgtjftdgi
Cjputy.
Uj `rj p`rt gn taj Sajr` Ergup gn fgkp`idjs. Uj prgvdcj i`ifd`b
suppgrt tg sgkj pjgpbj suppgrtjc my Sajr` `ic wj `bsg wgrh
wdta gtajr f`rj `ic suppgrt prgvdcjrs `frgss Jieb`ic, U`bjs `ic
Vfgtb`ic.
@s @ppgditjjs gr `ffguit k`i`ejrs ngr sjbn-cdrjftjc suppgrt,
wj agbc fbdjit m`ih `ffguits ngr taj pjgpbj wj suppgrt. Uj `rj
rjspgisdmbj ngr tajsj, mut wgrh wdta j`fa dicdvdcu`b `ic tajdr fdrfbjgn suppgrt tg k`i`ej taj kgijy di taj w`y tajy w`it. Sads difbucjs
tr`isnjrrdie kgijy tg tajdr pjrsgi`b m`ih `ffguits.
Gur i`ifd`b `cvgf`fy wgrh `bsg difbucjs suppgrt wdta mucejtdie
`ic uicjrst`icdie kgijy.
0=
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Uay a`vj wj wrdttji tads rjpgrt7
Uj st`rtjc tads rjsj`rfa mjf`usj gur i`ifd`b `cvgf`tjs rjpgrtjc
ta`t k`iy gn taj pjgpbj tajy suppgrt wjrj a`vdie prgmbjks wdta
m`ihdie. Uj w`itjc tg f`pturj tajdr stgrdjs `ic taj jxpjrdjifjs gn
taj pjgpbj tajy suppgrt.
Uj w`itjc tg uicjrst`ic taj rggt gn taj prgmbjks tajy jxpjrdjifj
my bgghdie `t taj rjbjv`it b`ws `ic rjeub`tdgis. Sads wgubc `bbgw us
tg uicjrst`ic taj cdnnjrjit pjrspjftdvjs `ic dssujs divgbvjc `ic
tajrjmy prgvdcj ` nguic`tdgi upgi wadfa wj fgubc taji mudbc `
fgkkgi uicjrst`icdie `ic nr`kjwgrh ngr nurtajr wgrh.
Cgsa higws agw vdt`b kgijy ds ngr jvjrygijs dicjpjicjifj wj
strdvj tg suppgrt `ic ji`mbj erj`tjr fgitrgb `ic dicjpjicjifj di `bb
gur wgrh `ic igwajrj kgrj sg ta`i di tads rjsj`rfa.
Uj `rj fgkkdttjc tg bj`cdie ` fgbb`mgr`tdgi wadfa frj`tjs kutu`b
uicjrst`icdie `ic pr`ftdf`b sgbutdgis tg prgkgtj taj m`ihdie rdeats
gn pjgpbj wdta ` bj`ridie cds`mdbdty.
Ua`t `rj taj ijxt stjps7
Sads rjpgrt `dks tg cgfukjit `ic prjsjit taj jxpjrdjifjs gn
pjgpbj suppgrtjc my Cgsa `s ` prgkpt ngr nuturj fgbb`mgr`tdgi
mjtwjji m`ihdie sjrvdfjs, f`rj `ic suppgrt gre`ids`tdgis, pjgpbj
wdta ` bj`ridie cds`mdbdty `ic tajdr n`kdbdjs tg dkprgvj `ffjss tg
m`ihdie ngr `bb.
Dt `dks tg adeabdeat taj hjy dssujs gn (0) kjit`b f`p`fdty, (=) prggn
gn dcjitdty, (6) `ffjss tg kgijy `ic (3) fgisdstjify gn sjrvdfj `ic
dingrk`tdgi `ic puts ngrw`rc : rjfgkkjic`tdgis tg t`fhbj tajsj
dssujs.
Uj `rj fgkkdttjc tg wgrhdie wdta gtajr gre`ids`tdgis `ic taj
m`ihdie sjftgr tg dkpbjkjit tajsj rjfgkkjic`tdgis `ic prgkgtj
erj`tjr `ffjss tg m`ihdie.
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Agw cdc wj cg tads rjsj`rfa7
Sads rjsj`rfa w`s m`sjc gi eurjs `ic stgrdjs prgvdcjc my `bb sjvji
Cgsa i`ifd`b `cvgf`tjs di K`rfa =
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@i`bysds gn taj dssujs
Sads rjpgrt wdbb sjt gut taj hjy dssujs jifguitjrjc di Cgsas
jxpjrdjifj `ic kgrj wdcjby waji trydie tg `ffjss m`ihdie
sjrvdfjs, mjngrj cdsfussdie pgtjitd`b sgbutdgis `ic sjttdie gut gur
rjfgkkjic`tdgis.
Saj dssujs `i`bysjc `rj ergupjc ditg ngur f`tjegrdjs? kjit`b
f`p`fdty, prggn gn dcjitdty, `ffjss tg kgijy `ic fgisdstjify gn
sjrvdfj `ic dingrk`tdgi. Sads wdbb adeabdeat hjy tajkjs `rguic taj
fa`bbjiejs gn rjfgifdbdie taj sjfurdty ngfus gn m`ihdie rjeub`tdgis
wdta taj difbusdgi ngfus gn b`ws sufa `s taj Kjit`b F`p`fdty @ft `ic
Jqu`bdty @ft.
Nurtajrkgrj dt wdbb `reuj ta`t cdsfrjp`ifdjs mjtwjji taj
Egvjrikjits prgkgtdgi gn i`ifd`b difbusdgi, m`ihs pgbdfdjs gi
taj suppgrt tajy f`i gnnjr `ic pjgpbjs jvjryc`y jxpjrdjifj gn
m`ihdie di bgf`b mr`ifajs `rj `t taj rggt gn k`iy gn taj prgmbjks
jifguitjrjc.
Kjit`b F`p`fdty
Kjit`b f`p`fdty ds ` cdnfubt dssuj, mut `t dts fgrj dt rjb`tjs tg wajtajr
sgkjgij ds f`p`mbj gn k`hdie ` cjfdsdgi `mgut sgkjtadie. SajKjit`b F`p`fdty @ft (=
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0>
Dt `bsg sueejsts ta`t ` st`tus `pprg`fa ds mjdie usjc wajrjmy `bb
pjgpbj wdta ` bj`ridie cds`mdbdtyrjfjdvj taj s`kj trj`tkjit
mjf`usj gn `ssukptdgis `mgut tajdr cds`mdbdty>. ]jsj`rfa sagws ta`t
tads st`tus `pprg`fa ds gntji stdbb jxpjrdjifjc my pjgpbj wdta `
bj`ridie cds`mdbdty5.
Nurtajrkgrj, gifj m`ih st`nn a`vj ` fgifjri `mgut f`p`fdty gr
a`vj cjfdcjc ta`t sgkjgij cgjs igt a`vj f`p`fdty, tajy rjnusj tg
fggpjr`tj wdta gr t`bh tg `iygij suppgrtdie taj dicdvdcu`b wag ds
trydie tg uicjrst`ic tajdr cjfdsdgi gr gnnjr suppgrt tg rjsgbvj
prgmbjks1.
Sads a`s kj`it ta`t Cgsa i`ifd`b `cvgf`tjs `rj igt `mbj tg
jst`mbdsa taj rj`sgi ngr ` rjnus`b gn sjrvdfj, `sh ngr ` oustdf`tdgi
di rjb`tdgi tg taj Kjit`b F`p`fdty @ft, gr cdsfuss gtajr gptdgis.Fgisjqujitby, pjgpbj wdta ` bj`ridie cds`mdbdty `rj sdeidf`itby
cds`cv`it`ejc mjf`usj gn sufa fgkprjajisdvj jxfbusdgi nrgk
i`ifd`b sjrvdfjs.
@ sdeidf`it rjsj`rfa prgojft my taj @ssgfd`tdgi ngr ]j`b Fa`iej
(@]F) nrgk =
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Furrjit eudc`ifj ngfusjs gi taj usj gn Cjputdjs `ic \gwjrs gn
@ttgrijy, sufa `s taj Mrdtdsa M`ihjrs @ssgfd`tdgi (=
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Saj Kjit`b F`p`fdty @ft
Saj Kjit`b F`p`fdty @ft =
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\rggn gn Dcjitdty
M`ihs rjqudrj prggn gn dcjitdty `ic prggn gn `ccrjss, wadfa `ft `s
w`ys gn prjvjitdie kgijy b`uicjrdie `ic dcjitdty tajnt0=. Sads f`i mj
` prgmbjk ngr pjgpbj wag cg igt pgssjss taj st`ic`rc ngrks gn prggn
sufa `s ` crdvdie bdfjifj, utdbdty mdbb gr p`sspgrt.
@ iukmjr gn gre`ids`tdgis crjw `ttjitdgi tg tads dssuj di taj
fgisubt`tdgi wj fgicuftjc ngr tads rjsj`rfa. Dt `nnjfts igt oust pjgpbj
wdta ` bj`ridie cds`mdbdty, mut k`iy pjgpbj wag a`vj mjji tr`cdtdgi`bby
jxfbucjc nrgk i`ifd`b sjrvdfjs06. Cjspdtj tajsj `pp`rjit cdnfubtdjs
wdta igi-st`ic`rc ngrks gn prggn, m`ihs cg di n`ft a`vj sdeidf`it
cdsfrjtdgi di wa`t tajy f`i `ffjpt03. \rgmbjks `rdsj waji mr`ifa
st`nn kjkmjrs `rj igt `w`rj gn `btjri`tdvj gptdgis gr cg igt rj`cdby
prgvdcj taj dingrk`tdgi, sg ta`t pgtjitd`b fustgkjrs `rj put gnn my `b`fh gn dingrk`tdgi.
Fgifjris `mgut kgijy b`uicjrdie a`vj k`cj m`ihs `ic m`ih
st`nn rdsh `vjrsj `ic ajsdt`it tg gnnjr `btjri`tdvjs0:. Di p`rtdfub`r,
st`nn kjkmjrs dicdvdcu`b bd`mdbdty uicjr taj \rgfjjcs gn Frdkj @ft
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@ffjss tg kgijy
Sads ds gij gn taj mdeejst `rj`s gn fgifjri `ic fgvjrs ` iukmjr gn
`rj`s. Sajsj difbucj paysdf`b `ffjss tg mr`ifajs8 `ffjss tg f`sa vd`
@SKs `ic fguitjrs8 usj gn tjbjpagij `ic ditjrijt m`ihdie8 sjfurdty
rjqudrjkjits sufa `s ` \DI8 `ffjssdmbj dingrk`tdgi8 suppgrt nrgk
mr`ifa st`nn8 `ic fggpjr`tdgi wdta suppgrt st`nn `ic n`kdby kjkmjrs.
K`iy pjgpbj wdbb mj `mbj tg `ffjss m`ihdie dn tajy `rj edvji taj rdeat
suppgrt `ic dingrk`tdgi8 agwjvjr tads gntji rjqudrjs m`ihs tg put
`btjri`tdvj `rr`iejkjits di pb`fj `ic spjic jxtr` tdkj wdta taj
pjrsgi di qujstdgi.
Gur i`ifd`b `cvgf`tjs rjpgrtjc ta`t 14% gn taj pjgpbj Cgsa
suppgrts `rj cjpjicjit gi jdtajr tajdr suppgrt tj`k, Cgsa, gr mgta
ngr `ffjss tg tajdr kgijy. Sads adeabdeats taj dkpgrt`ifj gn eggcsuppgrt, mut `bsg r`dsjs qujstdgis `mgut taj ijjc tg ji`mbj erj`tjr
dicjpjicjifj `ic prgvdcj fb`rdty gi `pprgprd`tj, bgie-tjrk suppgrt
kjtagcs `ic n`fdbdtdjs `utagrdsjc my m`ihs. Saj stgrdjs nrgk gur
i`ifd`b `cvgf`tjs nurtajr dbbustr`tj tads ijjc.
@s taj stgry `mgvj dbbustr`tjs, waji sgkjgij wdta ` cjtjrdgr`tdie
paysdf`b fgicdtdgi nguic dt cdnfubt tg `ffjss taj mr`ifa, m`ih st`nn cdc
igt gnnjr `btjri`tdvj w`ys ngr tajk tg `ffjss tajdr kgijy.
H.s paysdf`b aj`bta w`s di cjfbdij mut `bb taj suppgrt tj`k,
wag a`c suppgrtjc adk ngr yj`rs, `erjjc ta`t ads kjit`b aj`bta
w`s uifa`iejc gvjr taj b`st njw yj`rs.
Gi gij gff`sdgi H. w`s ui`mbj tg eg tg taj mr`ifa tg wdtacr`w
ads wjjhby `kguit ijjcjc tg p`y ads mdbbs sg ` st`nn kjkmjr
tggh taj p`ssmggh `ic pjrsgi`b D.C. tg taj mr`ifa, tg
dcjitdny wag aj w`s `ic wag aj w`itjc tg t`bh `mgut. Sajy
`shjc dn tajrj w`s `iy kj`is gn taj `ffguit mjdie usjc
tg tr`isnjr ` sjt `kguit j`fa kgita tg `igtajr m`ih `ffguit
fbgsjr tg wajrj H. bdvjc sg `s tg k`hj wdtacr`wdie ads kgijy
j`sdjr, `s aj w`s ejttdie kgrj nr`db.
Saj fguitjr st`nn `ic bgf`b k`i`ejr dingrkjc taj st`nn kjkmjr
ta`t taj p`ssmggh w`s mjdie wdtacr`wi `ic ta`t `iy nurtajr
fgkkuidf`tdgi wgubc a`vj tg mj fgicuftjc gi H.s mja`bn my `
Fgurt gn \rgtjftdgi Cjputy `s H. w`s ig bgiejr `mbj tg gpjr`tj
taj s`vdies `ffguit adksjbn.
(Ndi`ifd`b `cvgf`tj =`)
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Nurtajrkgrj taj dingrk`tdgi rjqujstjc my Hs suppgrt wgrhjr w`s
bdhjby tg mj `v`db`mbj tg taj ejijr`b pumbdf `ic `s sufa prgvdcdie taj
dingrk`tdgi wgubc igt a`vj f`usjc `iy prgmbjks wdta rje`rc tg
sjfurdty gr c`t` prgtjftdgi dssujs.
Dt ds fbj`r ta`t sgkj rjqujsts ngr suppgrt f`i f`usj fgifjris
rje`rcdie sjfurdty `ic ui`utagrdsjc tadrc p`rty `ffjss. Uadbst ` m`ih
f`iigt rjfgkkjic gr jifgur`ej ta`t sgkjgij sa`rj tajdr \DI
wdta suppgrt st`nn, taj jx`kpbj mjbgw sueejsts ` b`fh gn `btjri`tdvj
gnnjrs gn suppgrt, wadfa a`s prjvjitjc pjgpbj nrgk `ffjssdie taj
sjrvdfjs gn ` m`ih gr mudbcdie sgfdjty. Sads ds tajrjngrj bdhjby tg a`vj
fgitrdmutjc tg erj`tjr i`ifd`b jxfbusdgi ngr taj pjgpbj di qujstdgi.
@igtajr i`ifd`b `cvgf`tj adeabdeatjc rjfjit prgmbjks icdie
`iywajrj ta`t gnnjrs ` p`ssmggh `ffguit, wadfa f`i mj `i j`sdjrw`y ngr pjgpbj tg `ffjss tajdr kgijy `ic hjjp tr`fh gn tajdr
spjicdie04. Bdkdtdie taj w`ys sgkjgij f`i `ffjss `ic k`i`ej
tajdr kgijy, `s wjbb `s giby gnnjrdie gij `ffguit, `s di taj `mgvj
jx`kpbjs, puts sdeidf`it bdkdt`tdgis gi sgkjgijs `ffjss tg
i`ifd`b sjrvdfjs. Dt dicdf`tjs ta`t taj m`ihs cdc igt sagw tajksjbvjs
tg mj wdbbdie tg cdsfuss ` pjrsgis dicdvdcu`b rjqudrjkjits, mgta di
tjrks gn taj `ffguit `ic `iy suppgrt rjqudrjc.
Sajsj jx`kpbjs `rj suppgrtjc my wdcjr rjsj`rfa fgifjridie
`ffjssdmdbdty. Bdvdiestgij igtjs ta`t taj tjrk `ffjssdmdbdty ds
ejijr`bby uicjrstggc tg rjnjr tg paysdf`b `ffjssdmdbdty, sufa `s
wajjbfa`dr `ffjss `ic b`rej prdit bj`jts, wadbst uicjrst`icdie gn
gtajr dkp`drkjits, sufa `s bj`ridie cds`mdbdtdjs, ds kufa bgwjr `ic
`s sufa suppgrt gptdgis `rj kufa kgrj bdkdtjc=
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Saj Jqu`bdty @ft (=
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Uadbst sgkj wgrh a`s mjji cgij di tads `rj`, tajrj ds stdbb kufa kgrj
ta`t f`i mj cgij, di p`rtdfub`r wdta rje`rcs tg jisurdie ta`t `bb st`nn
kjkmjrs `rj `w`rj gn agw tajy f`i mjst suppgrt fustgkjrs wdta
` bj`ridie cds`mdbdty `ic wa`t igi-st`ic`rc gptdgis `rj `v`db`mbj tg
tajk. Ditjrjstdieby, taj Vfgpj/Dpsgs KG]D =.
=6
=6
Vfgpj / Dpsgs KG]D (=
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Vdkdb`rby tg taj dssujs `rguic kjit`b f`p`fdty, st`nn kjkmjrs a`vj
bjedtdk`tj fgifjris `rguic gnnjrdie `btjri`tdvjs wajrj tajsj fa`iej
st`ic`rc sjfurdty prgfjcurjs (sufa `s ` \DI mjdie rjqudrjc tg
wdtacr`w kgijy)8 agwjvjr wdta taj rjfjit pusa tgw`rcs erj`tjr
i`ifd`b difbusdgi, m`ihs `ic mudbcdie sgfdjtdjs cg a`vj pgbdfdjs gi
wa`t `btjri`tdvjs tajy f`i gnnjr.
Saj jvdcjifj nrgk taj @]F rjsj`rfa prgojft di =
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Sads difgisdstjify gntji stjks nrgk taj jxtr` suppgrt, tdkj `ic
`btjri`tdvj `rr`iejkjits ta`t tajsj `coustkjits rjqudrj. Sajy
wdbb cjpjic gi m`ih st`nn a`vdie taj tr`didie, higwbjcej `ic
`utagrds`tdgi tg jxjrfdsj tajdr cdsfrjtdgi `ic spjic kgrj tdkj ta`i
ta`t wadfa wgubc igrk`bby mj jxpjftjc.
Sads f`i sgkjtdkjs fb`sa wdta m`ihs gwi prdgrdtdjs. Sgyimjj A`bb
rjsj`rfa sagws ta`t m`ihs `bsg a`vj tajdr gwi t`rejts `ic pr`ftdfjs,
ngr jx`kpbj ta`t m`ih k`i`ejrs tjic tg kgvj jvjry 01 kgitas `ic
ta`t j`fa mr`ifa wdbb a`vj t`rejts ngr taj iukmjr gn `ffguits tajy
gpji=4.
Sads f`i jxpb`di sgkj gn taj difgisdstjify, `s jxtr` suppgrt cgjs
igt t wdta st`nn kjkmjrs t`rejts `ic k`i`ejrs `rj igt tajrj bgie
jiguea tg mudbc up ` rjb`tdgisadp wdta fustgkjrs. Sads rdshs k`hdieeggc, jxdmbj fustgkjr sjrvdfj ngr pjgpbj wag ijjc jxtr` tdkj `ic
suppgrt taj jxfjptdgi r`tajr ta`i taj rubj.
Kufa gn taj fgisubt`tdgi fgicuftjc `s p`rt gn tads rjsj`rfa `bsg
tgufajc gi tads dssuj `ic adeabdeatjc taj cdnnjrjifj mjtwjji
aj`c gnfj pgbdfy `ic bgf`b mr`ifa pr`ftdfj. Di p`rtdfub`r, pggr
fgkkuidf`tdgi, sufa `s ` b`fh gn dingrk`tdgi `mgut suppgrt gptdgis
`ic `btjri`tdvj ngrk`ts pb`fjs uiijfjss`ry m`rrdjrs di taj w`y
gn tagsj w`itdie tg `ffjss m`ihdie sjrvdfjs6
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Vgbutdgis
Kjit`b f`p`fdty
Dt ds fbj`r ta`t kjit`b f`p`fdty f`i mj ` fgkpbjx dssuj `ic ta`t `idifgrrjft oucejkjit gn f`p`fdty f`i f`usj sjrdgus prgmbjks `ic bj`c
tg sdeidf`it i`ifd`b jxfbusdgi ngr tagsj fgifjrijc. Jqu`bby, tagsj
ta`t cg b`fh f`p`fdty ngr sgkjtadie cg ijjc `pprgprd`tj suppgrt `ic
prgtjftdgi tg jisurj ta`t tajy cg igt jic up di i`ifd`b cdnfubtdjs
mjf`usj tajy `erjjc tg sgkjtadie tajy cdc igt uicjrst`ic gr
cdc igt a`vj taj f`p`fdty tg cjfdcj. Eudc`ifj `ic tr`didie ds
tajrjngrj rjqudrjc ngr m`ih st`nn rje`rcdie agw tg k`hj ` oucejkjit
gn f`p`fdty `ic waji tg cjnjr dt tg taj Fgurt gn \rgtjftdgi gr gtajr
mgcy. Sads sagubc ngfus gi agw tg suppgrt cjfdsdgi-k`hdie8 wa`t
`coustkjits f`i mj k`cj tg n`fdbdt`tj tads8 `ic agw tg ngbbgw taj
Kjit`b F`p`fdty @ft.
Vt`nn sagubc mj rj`ssurjc `s tg wa`t `coustkjits tajy f`i k`hj `ic
wa`t suppgrt tajy f`i gnnjr wdtagut mrj`fadie m`ihdie rjeub`tdgis,
c`t` prgtjftdgi b`ws `ic gtajr bje`b prgvdsdgis wadfa a`vj gntji
k`cj tajk f`utdgus di gnnjrdie `btjri`tdvjs. Di p`rtdfub`r, eudc`ifj
sagubc jkpa`sdsj ta`t st`nn sagubc prgvdcj rjbjv`it `ic `ffjssdmbj
dingrk`tdgi `ic suppgrt mjngrj qujstdgidie sgkjgijs f`p`fdty tg
k`i`ej ` m`ih `ffguit gr k`hj gtajr i`ifd`b cjfdsdgis60.
Nurtajrkgrj, wajrj nrgit-bdij st`nn kjkmjrs cg igt njjb `mbj tg
k`hj ` oucejkjit, gij kjkmjr gn st`nn sagubc mj tr`dijc tg prgvdcj
`ccdtdgi`b dingrk`tdgi `ic suppgrt. Sads sagubc jisurj ta`t fbj`r
dingrk`tdgi ds sa`rjc `ic prgpjr oucejkjits `rj k`cj wajrj
ijfjss`ry. Sads wdbb ajbp tg `vgdc prjk`turj oucejkjits gn b`fh gn
f`p`fdty wadfa frj`tj prgmbjks ngr dicdvdcu`bs, tajdr i`ifd`b
`cvgf`tjs `ic gtajr suppgrtjrs waji tajy `rj prjvjitjc nrgk
qujstdgidie ` pgtjitd`b uib`wnub gr cdsfrdkdi`tgry cjfdsdgi mjf`usjst`nn kjkmjrs disdst gi taj `utagrdty gn taj Fgurt gn \rgtjftdgi gr
gtajr bje`b `erjjkjit mjngrj `iy nurtajr `ftdgi, difbucdie
jxpb`i`tdgi, f`i mj t`hji. Kgrjgvjr, dt wgubc ji`mbj kgrj pjgpbj tg
fgitrgb tajdr gwi i`ifjs di `i `pprgprd`tjby suppgrtjc w`y, tajrjmy
prgkgtdie i`ifd`b difbusdgi.
=>
60Bdvdiestgij (=
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\rggn gn dcjitdty
Vdkdb`rby tg taj dssujs `rguic kjit`b f`p`fdty, dt wgubc `ppj`r
ta`t tajrj ds ` fgidft mjtwjji taj prgtjftdgi `ic fajfhs prgvdcjc
targuea m`ihdie bjedsb`tdgi `ic taj eg`bs gn erj`tjr difbusdgi
jxprjssjc di taj Jqu`bdty @ft `ic Kjit`b F`p`fdty @ft. Uadbst taj
eudc`ifj jxdsts tg sagw agw tajsj twg jbjkjits ditjrrjb`tj6=, st`nn
kjkmjrs rjqudrj taj tr`didie, suppgrt `ic dingrk`tdgi tg mj `mbj tg
put tads ditg pr`ftdfj, sufa `s my k`hdie cjfdsdgis `mgut rj`sgi`mbj
`coustkjits `ic fa`iejs tg st`ic`rc pr`ftdfj.
Sajrj ds `brj`cy sdeidf`it bjedsb`tdgi `ic eudc`ifj gi `ffjptjc
`btjri`tdvj ngrks gn prggn gn dcjitdty `ic `ccrjss, difbucdie nrgk
m`ihs `ic mudbcdie sgfdjtdjs tajksjbvjs. @s sufa, taj ngfus di tads
`rj` ijjcs tg mj gi dkpbjkjitdie r`tajr ta`i wrdtdie taj eudc`ifj,
di grcjr tg prgvdcj `ffjss tg tads dingrk`tdgi ngr st`nn `ic pgtjitd`b
fustgkjrs `ic suppgrt st`nn tg usj dt `pprgprd`tjby.
@ffjss tg kgijy
Gij gn taj Cgsa stgrdjs dbbustr`tjs agw eggc suppgrt f`i ji`mbj
sgkjgij tg gpji `ic k`i`ej tajdr gwi m`ih `ffguit, wdtagut taj
ijjc ngr `i ditjrvjitdgi nrgk taj Fgurt gn \rgtjftdgi. Udta taj
`pprgprd`tj suppgrt, tajsj twg kji wjrj `mbj tg faggsj agw tgk`i`ej tajdr kgijy `ic `ffjss m`ihdie sjrvdfjs.
Swg kji D suppgrt w`itjc tg a`vj `ffjss tg pjrsgi`b spjicdie
kgijy `s tajy wjrj mgta njjbdie kgrj fgicjit di `ffjssdie
taj bgf`b fgkkuidty `ic di faggsdie agw tg spjic tajdr kgijy.
@s mdbbs wjrj igw mjdie p`dc gi ` rjeub`r m`sds, tajy mgta njbt
ta`t tajy fgubc k`hj kgrj cjfdsdgis wdta tajdr gwi kgijy
dn tajy fgubc `ffjss tajdr gwi m`ih `ffguits, wdta suppgrt dnijjcjc my st`nn. @ntjr ` fdrfbj gn suppgrt kjjtdie, `ffguits
ngr mgta kji wjrj gpjijc.
Sg gpji tajsj `ffguits mgta wjrj suppgrtjc tg t`hj mdbbs wdta
tajdr i`kjs gi, ` p`sspgrt `ic ` 0 fgdi. @ mucejt w`s wgrhjc
gut `s tg agw kufa kgijy w`s ijjcjc tg mj tr`isnjrrjc jvjry
3 wjjhs tg taj ijw Mudbcdie Vgfdjty `ffguits `ic mgta kji
igw f`iigt w`dt tg ejt cgwi tg tgwi tg wdtacr`w tajdr gwi
kgijy `ic spjic dt gi wa`t tajy w`it, waji tajy w`it.(Ndi`ifd`b `cvgf`tj =m)
=56=Sgyimjj A`bb (=
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Dt ds dkpgrt`it ta`t m`ihs a`vj taj pgbdfdjs `ic suppgrt di pb`fj tg
`bbgw st`nn tg k`hj taj ijfjss`ry `coustkjits tg ji`mbj sgkjgij
tg `ffjss tajdr sjrvdfjs, difbucdie wgrhdie wdta suppgrtjrs. Uadbst
k`iy pjgpbj usj dingrk`b suppgrt66, dt ds dkpgrt`it ta`t m`ihs
`rj `bsg `mbj tg gnnjr tajdr gwi suppgrt gptdgis wadfa nubb tajdr
gmbde`tdgis tg k`hj rj`sgi`mbj `coustkjits uicjr taj Jqu`bdty @ft
(=
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]jfgkkjic`tdgis
0. Nurtajr, kgrj jxtjisdvj rjsj`rfa gi `ffjss tg m`ihdie.
Di grcjr tg mudbc gi taj trjics adeabdeatjc di tads rjpgrt, rjsj`rfa
sagubc mj f`rrdjc gut gi taj st`tj gn `ffjss tg m`ihdie ngr pjgpbj
wdta ` bj`ridie cds`mdbdty tgc`y. Sads wdbb prgvdcj `i upc`tj gn @]Fs
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3. Cjvjbgpkjit gn J`sy ]j`c dingrk`tdgi di bj`jts,
`erjjkjits, m`ih st`tjkjits `ic gtajr `spjfts gn taj sjrvdfj.
Sads sagubc mj gnnjrjc `s gij gn ` iukmjr gn `btjri`tdvj ngrk`ts gr
fgubc jvji mj usjc di st`ic`rc cgfukjits edvji dts v`buj igt oust ngr
pjgpbj wdta ` bj`ridie cds`mdbdty, mut ngr k`iy pjgpbj wdta cdnfubtdjs
rj`cdie gr uicjrst`icdie i`ifd`b dingrk`tdgi. Sads sagubc mj j`sdby
`v`db`mbj di mr`ifajs `ic gibdij `ic st`nn kjkmjrs sagubc mj `mbj tg
sdeipgst pjgpbj tg tads dingrk`tdgi.
:. Fbj`r, `ffjssdmbj dingrk`tdgi jxpb`didie wa`t taj b`w s`ys,
agw tg ejt suppgrt `ic agw tg cj`b wdta prgmbjks.
Dt ds dkpgrt`it ta`t jvjrygij divgbvjc a`s taj dingrk`tdgi tajy ijjc
tg ejt taj sjrvdfj `ic dingrk`tdgi tajy `rj cuj, tg higw wa`t tg `shngr `ic tg uicjrst`ic taj cdnnjrjit pjrspjftdvjs gn tagsj, sufa `s
m`ih st`nn, ta`t tajy `rj wgrhdie wdta. Sads sagubc mj k`cj `v`db`mbj
tg pjgpbj wdta ` bj`ridie cds`mdbdty, tajdr suppgrt wgrhjrs, `cvgf`tjs,
`ic n`kdby kjkmjrs.
My edvdie jvjrygij taj dingrk`tdgi tajy ijjc, wj f`i jisurj ta`t
tajy wgrh fgistruftdvjby wdta m`ihs tg ejt taj suppgrt tajy ijjc `ic
f`i agbc m`ihs tg `ffguit waji tajy `rj igt gnnjrdie taj suppgrt
tajy `rj cuj.
Cgsa ds di taj prgfjss gn cjvjbgpdie ` mgghbjt ngr tads purpgsj. Sads
wdbb difbucj dingrk`tdgi gi taj Kjit`b F`p`fdty @ft `ic Jqu`bdty @ft8
eudc`ifj gi wa`t rjeub`tdgis m`ihs `rj sumojft tg `ic agw tajy
sagubc mj mja`vdie8 `s wjbb `s ` sukk`ry gn cdnnjrjit tadrc p`rty
suppgrt gptdgis `ic agw tg cj`b wdta prgmbjks. @t taj jic, dt wdbb
difbucj ` bdst gn usjnub rjsgurfjs ngr nurtajr dingrk`tdgi gi hjy dssujs.
Uj bggh ngrw`rc tg fgitrdmutdgis nrgk gur p`rtijrs di m`ihdie `ic taj
tadrc sjftgr tg jisurj dts suffjss.
6
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Fgifbusdgi
@ffjss tg m`ihdie sjrvdfjs ds mjfgkdie `i difrj`sdieby dkpgrt`it
tggb ngr i`ifd`b difbusdgi `s taj pjrsgi`bds`tdgi `ejic` edvjs pjgpbj
difrj`sdie fgitrgb gn tajdr f`rj `ic suppgrt, difbucdie k`i`ediepjrsgi`b mucejts, `ic prgkgtjs fgitrgb `ic dicjpjicjifj. @ffjss
tg ` m`ih `ffguit `bbgws sgkjgij tg fgitrgb, k`i`ej `ic `ffjss
tajdr kgijy di taj w`y ta`t tajy w`it. Ngr k`iy pjgpbj, tads ds
t`hji ngr er`itjc `ic yjt tads rjsj`rfa a`s sagwi ta`t ngr k`iy
pjgpbj wdta ` bj`ridie cds`mdbdty tads m`sdf `ffjss ds cjidjc gr k`cj
kgrj cdnfubt my ` b`fh gn suppgrt `ic uicjrst`icdie wdtadi m`ihs
`ic mudbcdie sgfdjtdjs.
Sads rjsj`rfa a`s adeabdeatjc ngur hjy dssujs di rjb`tdgi tg tads?
kjit`b f`p`fdty, prggn gn dcjitdty, `ffjss tg kgijy `ic fgisdstjify gn
sjrvdfj `ic dingrk`tdgi. Udtadi tajsj, ` iukmjr gn fgkkgi tajkjs
jkjrejc, igt`mby `rguic b`fh gn fb`rdty `mgut agw tg rjfgifdbj taj
difbusdvj `ic suppgrtdvj kjss`ej gn taj Kjit`b F`p`fdty @ft `ic
Jqu`bdty @ft wdta taj sjfurdty `ic rjeub`tdgis ngfus gn m`ihdie b`ws.
Sajsj prgmbjks wjrj fgkpguicjc my taj difgisdstjify mjtwjji taj
sjrvdfj `ic dingrk`tdgi rjfjdvjc di cdnnjrjit mr`ifajs wadfa sjjkjc
tg stjk nrgk aj`c gnfj pgbdfdjs igt mjdie jnnjftdvjby fgkkuidf`tjc
tg, gr dkpbjkjitjc di, mr`ifajs, `s wjbb `s ` b`fh gn eudc`ifj `ic
tr`didie ngr `bb st`nn.
Sads rjpgrt tajrjngrj k`hjs vj rjfgkkjic`tdgis wadfa f`bb ngr
nurtajr rjsj`rfa, dkprgvjc eudc`ifj ngr st`nn, tr`didie, `ffjssdmbj
dingrk`tdgi `ic eudc`ifj ngr pjgpbj wdta ` bj`ridie cds`mdbdty `ic
tajdr suppgrtjrs. Sads wdbb rjqudrj fggpjr`tdgi mjtwjji taj m`ihdie
sjftgr, suppgrt gre`ids`tdgis difbucdie Cgsa `ic k`iy gtajrs di
grcjr tg frj`tj ` fgbb`mgr`tdvj `ic kutu`bby-mjijfd`b sgbutdgi wadfa
wdbb prgkgtj taj i`ifd`b difbusdgi gn pjgpbj wdta ` bj`ridie cds`mdbdty
`ic k`iy gtajrs ta`t `rj furrjitby jxfbucjc nrgk m`ihdie sjrvdfjs.
Cgsa agpjs ta`t tads rjsj`rfa wdbb prgvdcj ` st`rtdie pgdit ngr tads
wgrh `ic bgghs tg gtajrs di tads jbc tg suppgrt dts cjvjbgpkjit. Sads
wdbb jisurj ta`t jvjrygij f`i jxjrfdsj tajdr rdeat tg m`ihdie, t`hj
fgitrgb gn tajdr kgijy `ic bj`c dicjpjicjit bdvjs.
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Bdst gn gibdij rjsgurfjs
@ sagrt bdst gn ` njw hjy rjsgurfjs di tads `rj`.
J`sy ]j`c dingrk`tdgi `ic suppgrt
MDBC `ic M`rfb`ys m`ihdie vdcjgs `ic J`sy]j`c kgijybdihs
Saj K`hdie Kgijy J`sdjrrjsgurfjs nrgk Zidtjc ]jspgisj
Saj Kgijy K`ttjrs tg Kjwjmsdtj
Kgijy K`cj Fbj`r Ajbp Bgghdie @ntjr Tgur Kgijy
M`ihdie
Mrdtdsa M`ihjrs @ssgfd`tdgi (=
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]jsj`rfa & eudc`ifj
@]F (=
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Mdmbdger`pay
Mrdtdsa M`ihjrs @ssgfd`tdgi (=
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Udbbd`ks, ., Ojpsgi, K., S rbjtgi, M., K`rrdgtt, @. `ic \gitdie, B.,
(=
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Udta ta`ihs
Cgsa wgubc bdhj tg ta`ih taj ngbbgwdie pjgpbj `ic gre`ids`tdgis ngr
tajdr suppgrt curdie tads rjsj`rfa.
\bj`sj igtj ta`t tads cgjs igt fgistdtutj `i jicgrsjkjit my Cgsa gn `iy gre`ids`tdgi
gr dicdvdcu`b.
Jqu`bby, taj dicdvdcu`bs `ic gre`ids`tdgis kjitdgijc ajrj cg igt ijfjss`rdby
rjfgkkjic gr jicgrsj tads rjsj`rfa gr Cgsa.
6>
Hjdta M`tjs
@icrjw Mrdeat
Jb`dij F`ss
Idsa` C`rmy
_gj Cdxgi
@bdsgi Dier`k
]`fajb Hdbbdfh
Cd`ij Bdeatnggt
Vadrbjy \gttjr
Ogrc`i` ]`k`bag
K`ry-@iij ]`ihdi
Idfh U`uea
B`ur` Uadshjrc
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@ppjicdx
Vtgrdjs nrgk Cgsa
Ndi`ifd`b `cvgf`tj 0
D a`vj sgkj k`ogr dssujs wdta taj m`ihs `ic a`vj mjji tg jvjry
adea strjjt mr`ifa di ***Xtgwi[*** tg try `ic gpji bgf`b `ffguits ngr
taj pjgpbj wj suppgrt mut tajy cg igt sjjk tg w`it taj musdijss.
Dvj a`c tg tarj`tji jxdstdie mr`ifajs wdta cdsfrdkdi`tdgi waji tajy
a`vj rjnusjc tg `bbgw sdei`tgry fa`iejs jtf.
Zp tg ` njw kgitas `eg taj ***Xm`ih[*** gnnjrjc ` MN:5 `ffguit
wadfa cdc `s sueejstjc `ic `bbgwjc `i `ffguit tg mj gpjijc `ic
`ckdidstjrjc my taj `ppgditjj. D gpjijc gij sufa `ffguit mut sdifj
taji tads n`fdbdty a`s mjji wdtacr`wi `ic tajy f`i gnnjr ig gtajr
prgcufts tg sudt taj pjgpbj wj suppgrt. Saj m`ihs `rj x`tjc gi
\gwjrs gn @ttgrijy gr Fgurt @ppgditjc Cjputdjs `ic cg igt sjjk tg
w`it tg wgrh gutsdcj tajsj rjstrdftdgis.
Ndi`ifd`b `cvgf`tj =`
@i dicdvdcu`b, H, a`c ` s`vdies `ffguit `t taj *** Mudbcdie Vgfdjty
*** mr`ifa wdta `rguic 03,
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D wrgtj tg *** `shdie way tads `ftdgi a`c mjji t`hji mut w`s dingrkjc
ta`t tajy wgubc giby t`bh tg ` FG\ cjputy `ic rjnjrrjc kj tg taj
aj`c gnfj.
H. cdjc di b`tj Cjfjkmjr =
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Ndi`ifd`b `cvgf`tj 3
Igij gn taj dicdvdcu`bs D furrjitby suppgrt a`vj tajdr gwi m`ih
`ffguits `ic ijdtajr D Xi[gr tajdr fdrfbj gn suppgrt `rj `w`rj gn `iy
n`kdby kjkmjrs agbcdie `ffguits ngr tajk.
Ndi`ifd`b `cvgf`tj :
***Xf`rj `ic suppgrt gre`ids`tdgi[*** - (wajrj wj `rj taj
`ppgditjjs), `bb gn taj pjgpbj tajy suppgrt a`c *** Mudbcdie Vgfdjty
`ffguits wdta ` Sj`k Bj`cjr `s ` sjfgic`ry sdei`tgry. Saj
Mudbcdie Vgfdjty tgbc ***Xgre`ids`tdgi[*** ta`t tajy wjrj igt a`ppy
wdta tagsj hdic gn `ffguits `iykgrj, sg ***Xgre`ids`tdgi[*** trdjc tg
gpji ***Xm`ih[*** `ffguits `ic fbgsj taj ***Xmudbcdie sgfdjty[***
`ffguits. Sajy wjrj suffjssnub, `p`rt nrgk = pjgpbj.
Uaji wj trdjc tg gpji taj b`st = `ffguits, (tajy `shjc kj tg mj
prjsjit `s taj `ppgditjj), wj wjrj tgbc ta`t ***Xm`ih[*** wjrj igt
gpjidie st`ic`rc m`ih `ffguits ngr Xtaj pjgpbj wj suppgrt[ `iykgrj
(gr D eujss pjgpbj wdta bj`ridie cds`mdbdtdjs) `ic ta`t tajy fgubc giby
gpji `ppgditjj m`ih `ffguits, wajrj wj wgubc a`vj tg `ppby ngr
` fgurt gn prgtjftdgi grcjr, dn gmt`dijc, sjic ` bjttjr fgirkdie taj
pjrsgis `ssjts wdta ` MN:5 bjttjr nrgk CU\. Dn `ssjts `rj kgrj ta`i
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@utagr? Kjdhj Mjfhngrc
Cgsa Btc. Njmru`ry =