fund your future 2012-2013
TRANSCRIPT
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Aihpghpq
Pbg 0==
= Piv =6 pbnhkq ~iw dwqp `i pi }wmcn~i| diqp g`g|mc mh` qpmpg qpw`ghp mn`
= P~vgq i hmhanmc mn`
< Wqgwc {glqnpgq
Enhmhanmc mn` |id Amcni|hnm aiccgkgq
;5
Lmabgci|q `gk|gg
0(6'$55#=00
Dmqpg|q `gk|gg
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]wmcn~nhk i| hmhanmc mn`Piv =6 pbnhkq ~iw dwqp `i pi }wmn~ i|diqp g`g|m mh` qpmpg qpw`ghp mn`:
= Qwldnp pbg E|gg Mvvnampnih i| Eg`g|m Qpw`ghp Mn`#i| EMEQM( ^iw mvvc~ i| diqp hmhanmc mn` l~
aidvcgpnhk pbg EMEQM( Pbg gmqngqp mh` mqpgqp {m~ nq
ihcnhg mp {{{(mqm(kiu( Ei| bgcv i| ipbg| EMEQM
ivpnihq amcc =2660111(
0 Bmug m bnkb qabii nvidm i| npq g}wnumcghp "KG@.#aidvcgpg m bnkb qabiic g`wampnih nh m qpmpgmvv|iug`
bidgqabiic qgppnhk# i| vmqq ihg i pbg mlncnp~ pi
lghgp pgqpq mvv|iug` l~ pbg W(Q( @gvm|pdghp i
G`wampnih "i| g`g|mc mn`.(
7 Lg m W(Q( anpnzgh# vg|dmhghp |gqn`ghp i| ipbg| gcnknlcghihanpnzgh(
5 Lg m |gqn`ghp i pbg qpmpg "i| diqp qpmpg mn`.(;Gh|i nh mh gnknlg `gk|gg i| ag|pnampg v|ik|md( 2 Dmnhpmnh qmpnqmapi|~ mam`gdna v|ik|gqq "QMV. mq
`gpg|dnhg` l~ ~iw| aiccgkg( ^iw amh wqwmcc~ h` QMV
nhi|dmpnih ih ~iw| qabiicq {glqnpg i| nh pbg aiw|qg
ampmcik(
> Bmug m Qianm Qgaw|np~ hwdlg|? unqnp {{{(qqm(kiu(
=6 \gknqpg| {npb pbg W(Q( Qggapnug Qg|unag "dmcgq mkg=2
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P b g 0 = =
Lmqna qpgvq pi hmhanmc mn` i|bnkb qabiic qpw`ghpq mh`
pbgn| mdncngq=V|gvm|g i| aigkg [bgh Vmkg
Pbg |qp pbnhk ~iw mh` ~iw| mdnc~ qbiwc` `i
pi v|gvm|g nq qpm|p qmunhk dihg~ i| aiccgkg(
Pbg|g m|g dmh~ {m~q pi bgcv kgp qpm|pg`# mh`
pmr lghgpq amh dgmh kgppnhk qidg i ~iw|
g`wampnih nhugqpdghp lmao cmpg|(
^gm|
|iwh`
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Lg qw|g ~iw "mh`)i| ~iw| vm|ghpq. cg ~iw|
pmrgq gm|c~? np bgcvq {bgh ccnhk iwp pbg
EMEQM "pmrgq amh lg gqpndmpg` lwp dwqp lg
ug|ng` cmpg|.(
Jmh
Egl
5
Mvvc~ gm|c~ pi kgp pbg diqp hmhanmc mn`npq
wqwmcc~ `nqp|nlwpg` ih m |qpaidg# |qp
qg|ug` lmqnq( ^iw `ihp bmug pi vm~ pi mvvc~
i| hmhanmc mn`? pbg EMEQM nq |gg? unqnp
{{{(mqm(kiu(
Jmh
Egl
=# 2>
Qwldnp m EMEQM ih i| mpg| Jmhwm|~ =( @ga Egl
=# 2>
Mvvc~ i| m Amc K|mhp hi cmpg| pbmh Dm|ab
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P b g 0 = =
Dmji| hmhanmc mn` v|ik|mdqK|mhpq"Hgg`lmqg` hmhanmc mn` pbmp `igqhp bmug pi lg |gvmn`.
Vmd gnnlnnp }ndp Mm mm` v p((( Mvvnmpn m`n d }n` D ndmpn
am kmp M Wh`g|k|m`wmpgq $=
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Ipbg| Amni|hnm mn` v|ik|mdq
Vmd gnnlnnp }ndp Mm mm` v p((( b p mvv ip }ndp d ndmpn
amnnm am kmp ^iw m|g i| {g|g nhiqpg| am|g lgp{gghmkgq =5=2
@gdihqp|mpg ehmhanmchgg`
Hip ~gp mkg
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{{{(magliio(aid)amqbi|aiccgkgamcni|hnm
M V V c ~ N h k i | N h M h a N M c M N @
= Aiccgap ~iw| nhi|dmpnih
~^iw| Qianm Qgaw|np~ hwdlg|( ^iwcc hgg` np pi mvvc~ i|
diqp g`g|mc mh` qpmpg mn`( N ~iw `ihp bmug ihg# mvvc~ mp
~iw| ciamc viqp iag i| Qianmc Qgaw|np~ iag( N ~iw|g m
`gvgh`ghp qpw`ghp# ~iwcc mcqi hgg` ~iw| vm|ghpq Qianmc
Qgaw|np~ hwdlg|q( "N ~iw| vm|ghpq `ihp bmug Qianmc Qgaw|np~
hwdlg|q# ghpg| mcc zg|iq {bgh mqog` i| pbgd ih pbg EMEQM(.
Pi cgm|h di|g# ki pi {{{(qqm(kiu i| amcc =266;;
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@ N ` p vun` vmp emnm ndmpn9^iw {ncc bmug pi qwvvc~ ~iw| vm|ghpq hmhanmc nhi|dmpnih ih pbg
EMEQM whcgqq ihg i pbg icci{nhk qnpwmpnihq `gqa|nlgq ~iw:
~^iw {g|g li|h lgi|g Jmhwm|~ =# =>2>(
~^iw|g dm||ng` mq i pbg `mpg ~iw aidvcgpg pbg EMEQM(
~^iwcc lg {i|onhk ih m dmqpg|q# `iapi|mpg `gk|gg i| k|m`wmpg
ag|pnampg nh pbg mcc i
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{{{(magliio(aid)amqbi|aiccgkgamcni|hnm
M V V c ~ N h k i | N h M h a N M c M N @
1 Aidvcgpg pbg EMEQM ihcnhg
Pbg qndvcgqp {m~ pi aidvcgpg pbg EMEQM nq ihcnhg mp
{{{(mqm(kiu? npq gmq~# mqp mh` qgaw|g( "Ei| bgcv i| ipbg|
EMEQM ivpnihq# amcc =2660111 v(d( mh` Qmpw|`m~q 5 m(d(1 v(d( Vmana Pndg#gragvp g`g|mc bicn`m~q.(
vbihgAmcc pbg W(Q( @gvm|pdghp i G`wampnih mp =266
0111 v(d( Vmana Pndg
mh` grpgh`g` biw|q ih pbg {ggogh` "PP^ =266;162>=1.(
Bnkb qabiic qghni|q {bi mppgh` m Amqb i| Aiccgkg {i|oqbiv
dm~ }wmcn~ i| m $=#666 qabicm|qbnv(
N ~iw|g dmncnhk pbg EMEQM i| mh~ ipbg| mvvcnampnih i|d# npq m kii` n`gm pi kgp m Ag|pnampg i Dmncnhk |id pbg viqp iag "$=(=7 nh
m``npnih pi viqpmkg. mq v|ii ~iw dgp pbg `gm`cnhg(
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~ p mpp`m "aiM.Gmab aiccgkg bmq npq i{h qpw`ghp lw`kgp i| aiqp i mppgh`mhag
"AIM.# {bnab nhacw`gq pwnpnih# ggq# liioq# qwvvcngq# biwqnhk# ii`#
p|mhqvi|pmpnih mh` vg|qihmc grvghqgq i| pbg qabiic ~gm|( Np dm~ mcqi
nhacw`g dihg~ i| m aidvwpg|(
^iw| AIM {ncc um|~ `gvgh`nhk ih {bg|g ~iw cnug "{npb ~iw| vm|ghpq#
ih i| i amdvwq.# ~iw| mam`gdna dmji| mh` pbg aiccgkg ~iw mppgh`(
N ~iw bmug abnc`|gh i| ipbg| `gvgh`ghpq {bi |g}wn|g am|g {bncg ~iwki pi acmqq# ~iw| AIM dm~ mcqi nhacw`g pbgqg grvghqgq( N ~iw bmug m
`nqmlncnp~# cgp ~iw| aiccgkgq hmhanmc mn` iag ohi{ mliwp mh~ |gcmpg`
grvghqgq pbmp m|ghp mc|gm`~ aiug|g`(
~ rvp` mdn pnlpn "ga.^iw| grvgapg` mdnc~ aihp|nlwpnih "GEA.# nq pbg mdiwhp i dihg~ pbg
kiug|hdghp amcawcmpgq ~iw mh` ~iw| mdnc~ aiwc` |gmqihmlc~ aihp|nlwpg
pi{m|` ~iw| g`wampnih i| pbg qabiic ~gm|( Np nq amcawcmpg` wqnhk m
g`g|mc i|dwcm pbmp gumcwmpgq pbg nhi|dmpnih ~iw v|iun`g ih ~iw|
EMEQM( ^iw| GEA {ncc mvvgm| ih ~iw| Qpw`ghp Mn` \gvi|p "QM\.# {bnab
~iwcc |gagnug mpg| qwldnppnhk ~iw| EMEQM(
Oggv nh dnh` pbmp ~iw| GEA dm~ i| dm~ hip lg pbg mapwmc mdiwhp ~iwgh` wv vm~nhk i| aiccgkg( Ei| grmdvcg# ~iw| aiccgkgq AIM nhacw`gq
mapwmc aiqpq i| pwnpnih mh` ggq# lwp |gegapq mug|mkg aiqpq i| biwqnhk#
ii`# p|mhqvi|pmpnih mh` vg|qihmc grvghqgq(
ABMHKNHK QABIICQ9 N ~iwcc lg abmhknhk qabiicq# ~iw| hmhanmc mn` dm~ hip mwpidmpnamcc~ ki {npb ~iw# i| qpm~ pbg qmdg( Aihpmap ~iw| hg{
qabiicq hmhanmc mn` iag pi cgm|h di|gmh` mqo mliwp gm`cnhgq( N ~iw n` hip v|guniwqc~ |gagnug m Amc K|mhp# ~iw qbiwc` qpncc mvvc~ i|
ihg( Pi h` iwp n ~iw| Amc K|mhp i| Amcni|hnm Abmgg K|mhp m{m|` {ncc abmhkg mp ~iw| hg{ qabiic# ki pi{{{({lkmp0pw`p(k (
bn nMppgh` m Amcni|hnm Amqb i| Aiccgkg {i|oqbiv nh Jmhwm|~ i|
Egl|wm|~ pi kgp bgcv aidvcgpnhk ~iw| EMEQM( [i|oqbivq m|g
bgc` mp bnkb qabiicq# aiccgkgq mh` aiddwhnp~ qnpgq ma|iqq pbg
qpmpg mh` ipgh bmug qpm {bi qvgmo Qvmhnqb mh` ipbg|cmhkwmkgq# mh` v|iun`g nhi|dmpnih mliwp ML 706 nhqpmpg
pwnpnih mqqnqpmhag "qgg ML 706 nhqpmpg pwnpnih i|
wh`iawdghpg` qpw`ghpq ih vmkg
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M V V c ~ N h k i | N h M h a N M c M N @
0 Mvvc~ i| m Amc K|mhp
Np pmogq p{i~iw|g |gqvihqnlcg i| qwldnppnhk lipb ~iw|
EMEQM mh` ~iw| ug|ng` Amc K|mhp KVM l~ pbg Amc K|mhp
mvvcnampnih gm`cnhg(
P{i i|dq# p{i qpgvq
=( Qwldnp pbg EMEQM mq qiih mq viqqnlcg ih i| mpg|Jmhwm|~ = mh` hi cmpg| pbmh pbg viqpdm|o "i|
gcgap|ihnamcc~ p|mhqdnppg`. gm`cnhg i Dm|ab
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amnnm pmp mn` m` dpn vmpnv[bgh gpg|dnhnhk gcnknlncnp~ i| qpmpg hmhanmc mn`# Amcni|hnm
|gaikhnzgq idgqpna vm|phg|qbnvq# bi{gug|# pbg Eg`g|mc
kiug|hdghp igq hip(
Mpg| abgaonhk ~iw| Amcni|hnm Mn` \gvi|p# ki pi
{{{(ama(am(ku)wl)d)kpYd)k1;(` pi
aidvcgpg pbg \gknqpg|g` @idgqpna Vm|phg|qbnv \gvi|pnhk Ei|d
qi pbmp pbg Amcni|hnm Qpw`ghp Mn` Aiddnqqnih amh w|pbg|
gumcwmpg ~iw| gcnknlncnp~ i| Amcni|hnm qpmpg mn`(
Ei| di|g ih |gknqpg|g` `idgqpna vm|phg|qbnvq# unqnp
{{{((am(ku)`knp~(
am kmp m
^iw| Amc K|mhp {ncc lg |ghg{g` mwpidmpnamcc~
n ~iw aihpnhwg pi dggp pbg |g}wn|gdghpq#
dmnhpmnh qmpnqmapi|~ mam`gdna v|ik|gqq "mq gpg|dnhg` l~~iw| aiccgkg. mh` aihpnhwg pi bmug `gdihqp|mpg` hmhanmc
hgg`( ^iwcc bmug pi qwldnp pbg EMEQM gmab ~gm| lwp hip
~iw| KVM( Pbg amdvwq ~iwcc lg mppgh`nhk {ncc gumcwmpg ~iw|
gcnknlncnp~# qi lg qw|g pi cnqp pbmp aiccgkg ih ~iw| EMEQM (
qPw@ghPq Wh`g| Qghmpg Lncc "QL. ;6# qpw`ghpq |ghg{nhk
pbgn| Amc K|mhp m{m|` hi{ bmug pi dggp dmrndwd nhaidg
mh` mqqgp agncnhkq( V|guniwqc~# qpw`ghpq ihc~ bm` pi dggp pbg
dmrndwd agncnhkq {bgh |qp ghpg|nhk pbg v|ik|md( Hi{ qidg
qpw`ghpq dm~ mnc pi dggp pbg nhaidg mh` mqqgp dmrndwdq
mh` hip lg mlcg pi |ghg{ pbgn| m{m|` mpg| pbg |qp ~gm|(
qabiicq Vm|pnanvmpnhk Amc K|mhp nhqpnpwpnihq {npb di|g
pbmh 06 vg|aghp i pbgn| wh`g|k|m`wmpg gh|iccdghp li||i{nhk
g`g|mc qpw`ghp cimhq m|g |g}wn|g` pi bmug m pb|gg~gm| aibi|p
`gmwcp |mpg i cgqq pbmh 16 vg|aghp pi lg gcnknlcg i| hg{
mh` |ghg{mc Amc K|mhp m{m|`q nh pbg
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M V V c ~ N h k i | N h M h a N M c M N @
7 Qwldnp mh~ ipbg| mvvcnampnihq
Qidg aiccgkgq wqg pbg EMEQM mq {gcc mq m``npnihmc
mvvcnampnihq# qwab mq pbg AQQ)Enhmhanmc Mn` V\IENCG# pi
m{m|` pbgn| v|numpg hmhanmc mn` `iccm|q( Whcnog pbg EMEQM# pbg
V\IENCG aiqpq dihg~ pi qwldnp mh` nq ihc~ mumncmlcg mp
bppv:))v|iecgihcnhg(aiccgkglim|`(i|k (
Mqo pbg hmhanmc mn` iag i gmab aiccgkg ~iw|g aihqn`g|nhk
{bmp i|dq m|g |g}wn|g` pi mvvc~ i| hmhanmc mn`( Mcqi# mqo
mliwp `gm`cnhgq mh` {bgpbg| m `gm`cnhg nq pbg viqpdm|o "i|gcgap|ihnamcc~ p|mhqdnppg`. mpg i| pbg |gagnug` mpg( @ihp
i|kgp pbmp ~iw| Amc K|mhp KVM nq `wg Dm|ab < n ~iw {mhp pi
lg aihqn`g|g` i| m Amc K|mhp(
Qidg qpmpg mn` v|ik|mdq |g}wn|g pbgn| i{h mvvcnampnih i|dq
mq {gcc mq pbg EMEQM(
5 \gung{ ~iw| Qpw`ghp Mn` \gvi|p"QM\.
N ~iw qwldnp ~iw| EMEQM ihcnhg mh` v|iun`g mcc pbg |g}wn|g`
gqnkhmpw|gq mh` mh gdmnc m``|gqq# ~iwcc wqwmcc~ |gagnug
~iw| QM\ {npbnh ;< biw|q( Pi ghqw|g ~iw |gagnug pbg gdmnc#`gqnkhmpg pbg icci{nhk gdmnc m``|gqq mq qmg:
avqhipn~Favqgdmnc(g`(kiu( N ~iw qwldnp pbg vmvg| EMEQM# np
aiwc` pmog wv pi p{i {ggoq pi |gagnug ~iw| QM\(
Pbg QM\ aihpmnhq pbg nhi|dmpnih ~iw v|iun`g` ih pbg
EMEQM mh` cnqpq ~iw| grvgapg` mdnc~ aihp|nlwpnih# i| GEA#
i| pbg qabiic ~gm|( Ciio i| pbnq hwdlg| hgrp pi GEA mp
pbg piv i ~iw| QM\pbg|g {ihp lg m `iccm| qnkh( N pbg|g m|g
mh~ hwdlg|q mpg| pbg GEA# gugh zg|iq# pbgh ~iw| GEA {mq
amcawcmpg`( Mh GEA i 6
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QM\ mh` AM\
N ~iw qwldnppg` lipb ~iw| EMEQM mh` ~iw| ug|ng` Amc K|mhp KVM l~ pbg Dm|ab < `gm`cnhg lwp `ihp |gagnug m hipnampnih mliwp ~iw| AM\ l~
Mv|nc 16# i| n ~iw bmug }wgqpnihq# ki pi{{{({lkmp0pw`p(k # gdmnc qpw`ghpqwvvi|pFaqma(am(kiu i| amcc =222
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M V V c ~ N h k i | N h M h a N M c M N @
nmnm mn` : ]pn p m dvmn
~ [bmp `gm`cnhgq qbiwc` ~iw lg m{m|g i9
~ [bmp nq pbg aiccgkgq hgp v|nagpbg AIM dnhwq ~iw|
hmhanmc mn`9
~ @i ~iw bmug mh~ qvganmc an|awdqpmhagq qwab mq jil ciqq i|
abmhkg nh mdnc~ an|awdqpmhagq9 N qi# cgp pbg hmhanmc mn`iag ohi{(
~ Bi{ dwab bmug aiqpq nha|gmqg` nh gmab i pbg cmqp
pb|gg ~gm|q9
~ @igq pbg aiccgkg ig| m vm~dghp vcmh pbmp {ncc cgp ~iw
qv|gm` ~iw| vm~dghpq iug| pbg qabiic ~gm|9
~ Bi{ dwab i pbg mn` nq k|mhpq mh` qabicm|qbnvq9 M|g pbg~
|ghg{mlcg gmab ~gm|9 [ncc pbg `iccm| mdiwhp nha|gmqg n ~iw|
pwnpnih i| ipbg| aiqpq ki wv9 M|g pbg|g qvgana pg|dq mh`
aih`npnihq i| |ghg{mc9
~M|g qabicm|qbnvq mumncmlcg9 N qi# bi{ `i ~iw mvvc~9 [bmp
mliwp ipbg| hgg`lmqg` mn`9
~ N ~iw|g ig|g` {i|oqpw`~ i| qpw`ghp gdvci~dghp# bi{dmh~ biw|q {ncc ~iw hgg` pi {i|o gmab {ggo9 [bmp nq pbg
biw|c~ vm~ |mpg mh` pbg mumncmlncnp~ i jilq9 M |g pbg|g jilq
|gcmpg` pi ~iw| dmji| i| am|gg| kimc9
~ Bi{ dwab cimh mn` nq ig|g`9 [bmpq pbg nhpg|gqp |mpg9
[bmp m|g pbg pg|dq mh` aih`npnihq i gmab cimh9
~ [bmp ggq {ncc ~iw bmug pi vm~ ih ~iw| g`g|mc qpw`ghp cimh9
~ N k|mhpq# qabicm|qbnvq i| g`g|mc qpw`ghp cimhq `ihp aiug|
~iw| pipmc amcawcmpg` hmhanmc hgg`# amh ~iw `nv w|pbg| nhpi
qmunhkq# kgp m vm|ppndg jil# awp ~iw| grvghqgq i| mp pgh` m
cgqqgrvghqnug aiccgkg9 I| i ~iw hgg` pi li||i{ di|g9
~ [bmp nq pbg mug|mkg cimh `glp i pbg aiccgkgq k|m`wmpgq
iug|mccmh` i k|m`wmpgq nh ~iw| v|ik|md i qpw`~9
~ [bmp bmvvghq pi ~iw| hmhanmc mn` n ~iw |gagnug mh iwpqn`g
qabicm|qbnv9
~ [bmp dnkbp ~iw| hmhanmc mn` m{m|` ciio cnog nh qwlqg}wghp
~gm|q9
2 Gumcwmpg ~iw| ehmhanmc mn` ig|q
Pbg hmhanmc mn` iag mp gmab aiccgkg ~iw cnqp ih ~iw| EMEQM
"pbmp ~iw bmug lggh i| {ncc lg maagvpg` pi. {ncc v|iun`g ~iw {npb
mh gumcwmpnih i ~iw| gcnknlncnp~ i| hmhanmc mn` n ~iw qwldnppg`
pbg |g}wn|g` hmhanmc mn` mvvcnampnihq mh` dgp pbg gm`cnhgq(
N ~iw| aiccgkg mqoq i| m``npnihmc nhi|dmpnih# lg qw|g pi
|gqvih` v|idvpc~(
^iw| ig| dm~ cnqp ~iw| aiccgkgq mhhwmc AIM? pbg mdiwhp ~iw
mh` ~iw| mdnc~ bmug pi aihp|nlwpg? mh` pbg mdiwhp pbmp {ncc lg
aiug|g` l~ m dnr i k|mhpq# {i|oqpw`~# cimhq i| ipbg| mn`(
^iw| ig|q {ncc p~vnamcc~ um|~ |id aiccgkg pi aiccgkg# qi ~iw
dm~ {mhp pi {mnp whpnc ~iwug bgm|` |id gmab ihg lgi|g
dmonhk m `ganqnihlwp `ihp {mnp qi cihk pbmp ~iw dnqq
`gm`cnhgq( I| ~iw dm~ {mhp pi maagvp ihg aiccgkgq ig| {bncg
{mnpnhk pi bgm| |id pbg qabiic i ~iw| abinag( Jwqp lg qw|g pi
cgp pbg |qp aiccgkg ohi{ n ~iw `gan`g cmpg| pi `gacnhg npq ig|(
N ~iw| hmhanmc qnpwmpnih abmhkgq mpg| ~iw qwldnp ~iw| EMEQM# aihpmap ~iw| hmhanmc mn` iag( Mqo n ~iw| aiccgkg bmq m i|dmc v|iagqq pi
bmh`cg mvvgmcq mh` lg v|gvm|g` pi v|iun`g qwvvi|pnhk `iawdghpmpnih( @ihp lg qb~npq ~iw| wpw|g(
Oggv nh dnh` pbmp ~w `p mu p maap ~w pn
pw`p mn` maomk( qap p mn` ~w {mp( N ~iw
`i `gan`g pi `gacnhg mn`# bi{gug|# pbmp mn` dm~ hip lg
mumncmlcg cmpg| n ~iw abmhkg ~iw| dnh`( N ~iw|g ig|g` m
cimh# |gdgdlg| pbmp maagvpnhk m cimh dgmhq maagvpnhk pbg
|gqvihqnlncnp~ i |gvm~nhk np( Pi bgcv ~iw gumcwmpg ~iw|
hmhanmc mn` ig|q# wqg pbg {i|oqbggp ih vmkg =7( ^iw
amh mcqi aidvm|g ~iw| hmhanmc mn` m{m|`q ihcnhg mp
pp:))m(aklm`(ad)eama)admYmn`(j (
cp un p np pv:= Aiccgap ~iw| nhi|dmpnih
< Encc iwp pbg EMEQM ih pbg [gl [i|oqbggp
1 Aidvcgpg pbg EMEQM ihcnhg
0 Mvvc~ i| m Amc K|mhp
7 Qwldnp mh~ ipbg| mvvcnampnihq
5 \gung{ ~iw| Qpw`ghp Mn` \gvi|p
; \gung{ ~iw| Amcni|hnm Mn` \gvi|p
2 Gumcwmpg ~iw| hmhanmc mn` ig|q
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Gumcwmpg ~iw| hmhanmc mn` ig|qM }wnao {m~ pi aidvm|g ig|q mh` `gpg|dnhg ~iw| hgp aiqpq nq pi qwlp|map mcc ~iw| k|mhp# qabicm|qbnv mh`
ipbg| |gg mn` |id ~iw| aiqp i mppgh`mhag( Oggv nh dnh` pbmp aiccgkgq bmug `ng|ghp {m~q i m{m|`nhk
hmhanmc mn` mq {gcc mq `ng|ghp aiqpq i mppgh`mhag(=
AIccGKG
Aiqp i mppgh`mhag
Pwnpnih mh` ggq
\iid mh` lim|`6 `m~q
qnhag Qgvpgdlg| ==#
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D i | g { M ~ q P i V M ~
Ei| di|g nhi|dmpnih ih KN Lnccq mh` ipbg| g`wampnih lghgpq
i| pbg dncnpm|~# ugpg|mhq mh` pbgn| gvgh`ghpq# aihpmap ~iw|
aiccgkgq ugpg|mhq mmn|q iag# amcc pbg ciamc iag i pbg
W(Q( @gvm|pdghp i Ugpg|mhq Mmn|q mp =22200
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[m~q pi |g`wagaiccgkg aiqpqIhg i pbg lgqp {m~q pi ghqw|g
~iw amh vm~ i| aiccgkg nq i|
~iw mh` ~iw| vm|ghpq pi qpm|p
qmunhk gm|c~(
= V|numpg qabim|qbnvqAbgao {npb ~iw| qabiic aiwhqgci|
pbiwqmh`q i qabicm|qbnvq m|g mumncmlcg
pb|iwkb:
~ aiddwhnp~ i|kmhnzmpnihq#
~ iwh`mpnihq#
~ |gcnkniwq i|kmhnzmpnihq#
~ hgnkbli|bii` lmhoq mh`
lwqnhgqqgq# mh`
~ v|igqqnihmc mh` p|m`g i|kmhnzmpnihq(
Hgrp# wqg pbg |gg qabicm|qbnv n|gapi|ngq
ihcnhg "qgg vmkgq < mh` 0
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D i | g { M ~ q P i V M ~
> Qpm|p mp m Amni|hnmAiddwhnp~ AigkgQmug pbiwqmh`q i iccm|q nh pwnpnih
mh` bmug ~iw| kghg|mc g`wampnih
|g}wn|gdghpq lgbnh` ~iw l~ qpm|pnhk mp m
Amcni|hnm Aiddwhnp~ Aiccgkg( iw amh
wqg hmhanmc mn` pi vm~ i| ggq# liioq
mh` cnunhk grvghqgq( Abgao {npb ~iw|aiddwhnp~ aiccgkg lgi|g gh|iccnhk pi
dmog qw|g ~iw| a|g`npq {ncc p|mhqg| pi m
iw|~gm| aiccgkg# n pbmpq ~iw| kimc( Unqnp
{{{(namhmi|`aiccgkg(aid (
=6 Qabim|Qbm|g aigkgqmunhkq vmh[npb Amcni|hnmq Qabicm|Qbm|g# m 7
aiccgkg qmunhkq vcmh# ~iw `gviqnp dihg~
pbmp k|i{q g`g|mc mh` qpmpg pmr|gg
mq cihk mq npq wqg` cmpg| i| }wmcng`
aiccgkg grvghqgq( ^iw amh ivgh mh
maaiwhp {npb mq cnppcg mq $=7 {bgh qgppnhkwv mwpidmpna nhugqpdghpq( ^iwcc abiiqg
|id m hwdlg| i ci{aiqp nhugqpdghp
ivpnihq# mh` wqg ~iw| dihg~ mp mh~
maa|g`npg` aiccgkg hmpnih{n`g mq {gcc mq
dmh~ nhpg|hmpnihmc qabiicq( Cgm|h di|g
mp {{{(qabicm|qbm|g(aid i| l~ amccnhk
=2667007;6(v` i|
l~ amccnhk =266215;5( Mcqi# lg qw|g
pi aihqwcp m v|igqqnihmc pmr m`unqi|(
5 Gm|h a|g`np nh bnkb qabiiCiio nhpi pmonhk M`umhag` Vcmagdghp
"MV. i| Nhpg|hmpnihmc Lmaamcmw|gmpg "NL.
aiw|qgq nh bnkb qabiic mh` pbgh pmog
pbg grmdq pi gm|h aiccgkg a|g`np( MV
mh` NL grmdq m|g ig|g` nh m hwdlg|
i qwljgapq# lwp qidg aiccgkgq cndnp pbg
hwdlg| i mam`gdna whnpq ~iw amh gm|hpbnq {m~( Ei| `gpmncq# qgg ~iw| bnkb
qabiic aiwhqgci|# i| ki pi {{{(nli(i|k
i| bppv:))mvaghp|mc(aiccgkglim|`(i|k (
^iw dm~ lg mlcg pi pmog aiddwhnp~
aiccgkg aiw|qgq {bncg nh bnkb qabiic
pb|iwkb m `wmc gh|iccdghp v|ik|md( N
~iw| qabiic `igqhp ig| ihg# p|~
gh|iccnhk `n|gapc~ ih ~iw| i{h( Unqnp
{{{(aaaai(g`w i| gh|iccdghp
nhi|dmpnih(
; Aiivg|mpnug g`wampnih
[i|ocgm|h v|ik|mdq nhai|vi|mpgvmn` {i|o grvg|nghag {npb acmqq|iid
qpw`ngq( ^iw amh mcpg|hmpg wccpndg {i|o
{npb wccpndg qabiic# i| {i|o vm|p pndg
{bncg mppgh`nhk acmqqgq( Aiivg|mpnug
g`wampnih v|ik|mdq ihp v|iun`g
hmhanmc mn`# lwp ~iwcc ipgh lg mlcg pi
gm|h ghiwkb pi bgcv vm~ i| aiccgkg(
Aihpmap ~iw| bnkb qabiic aiwhqgci| i|
~iw| aiccgkgq aiivg|mpnug g`wampnih i|
am|gg| iag i| di|g nhi|dmpnih( Mcqi
abgao iwp {{{({i|oaiccgkgq(i|k i|
qaiicq pbmp mcci{ ~iw pi {i|o pi vm~ ~iw|
grvghqgq mq vm|p i pbg aw||nawcwd(
2 Vm|ppndg {i|oDmh~ qpw`ghpq vm~ pbgn| {m~ pb|iwkb
aiccgkg l~ jwkkcnhk {i|o mh` acmqqgq(
M vm|ppndg# qwddg| i| bicn`m~ jil
amh bgcv( Abgao {npb ~iw| aiccgkgq
gdvci~dghp iag i| am|gg| aghpg|
|qp( N ~iw h` ~iw|g {i|onhk pii dmh~
biw|q mh` npq mgapnhk ~iw| qabiic
{i|o# i| n ~iw|g aihag|hg` pbmp m
qwddg| jil dnkbp hgkmpnugc~ ndvmap
~iw| hmhanmc mn` m{m|`q# qgg ~iw|
hmhanmc mn` iag(
mnv m md9M qabicm|qbnv i| k|mhp nq |gg dihg~
~iw qbiwc` hgug| bmug pi vm~ pi h`#
mvvc~ i| i| |gagnug ihg( [mpab iwp
i| aidvmhngq pbmp dmog v|idnqgq#
abm|kg ~iw dihg~ pi mvvc~ i| i|
|gagnug m qabicm|qbnv# i| p|~ pi kgp
~iw pi qgh` dihg~ l~ acmndnhk ~iw|g
m hmcnqp nh m qabicm|qbnv aihpgqp(
Lg {m|~ i qgdnhm|q# {glqnpgq i|
aihqwcpmhpq pbmp {mhp pi abm|kg
~iw i| hmhanmc mn` nhi|dmpnih pbmpq
|gm`nc~ mumncmlcg i| |gg(
~ Hgug| knug ~iw| a|g`np am|`
nhi|dmpnih# lmho maaiwhp
nhi|dmpnih# Qianmc Qgaw|np~ hwdlg|
i| qpw`ghp n`ghpnampnih hwdlg|
iug| pbg vbihg i| Nhpg|hgp whcgqq
~iw nhnpnmpg` aihpmap mh` ohi{ {bi
~iw|g gmcnhk {npb( iw qbiwc`hp
hgg` pi v|iun`g hmhanmc nhi|dmpnihpi ilpmnh m cgknpndmpg qabicm|qbnv i|
k|mhp pbmp ~iwug lggh m{m|`g`(
~ @ihp mcc i| acmndq pbmp kwm|mhpgg
m qabicm|qbnv( \gvwpmlcg aidvmhngq
hgnpbg| kwm|mhpgg qabicm|qbnvq hi|
wqg mkk|gqqnug pmapnaq(
~ @i ~iw| i{h |gqgm|ab lgi|g
qvgh`nhk ~iw| dihg~( N ~iw abiiqg
pi vm~ m qabicm|qbnv qgm|ab qg|unag#
lg qw|g ~iw wh`g|qpmh` {bmp ~iw|g
vm~nhk i|(
Pi cgm|h di|g:
~Unqnp {{{(pa(ku)amnamd
mh` {{{(mw`(k (
~Unqnp pbg Ciionhk i| Qpw`ghp Mn`
{glqnpg mp pp:))pw`pmn`(`(ku)
pw`p)wlnampn)m)n`r(
pd(
N ~iw lgcngug ~iwug lggh m unapnd
i qabicm|qbnv |mw`# aihpmap pbg
Amcni|hnm Mppi|hg~ Kghg|mcq iag mp
pp:))mk(am(ku)awd (
Qidg jilq mapwmcc~knug ~iw lipb m
vm~abgao mh` bgcv~iw vm~ `i{h ~iw|
qpw`ghp cimhq(
http://studentaid.ed.gov/students/publications/lsa/index.htmlhttp://studentaid.ed.gov/students/publications/lsa/index.htmlhttp://studentaid.ed.gov/students/publications/lsa/index.htmlhttp://studentaid.ed.gov/students/publications/lsa/index.htmlhttp://studentaid.ed.gov/students/publications/lsa/index.htmlhttp://studentaid.ed.gov/students/publications/lsa/index.html -
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Ki pi {{{(iqbv`(am(kiu)BVGE#
bppv:))lbv|(b|qm(kiu mh` {{{(bbq(kiu(
Abn` am|g v|iun`g|q
N ~iw {i|o nh m `gqnkhmpg` abnc` am|g qnpg
i| i| m Bgm` Qpm|p v|ik|md# ~iw| g`g|mc
Vg|onhq cimh `glp amh lg amhagcg`(
Hmpnihm qg|unag uiwhpgg|q
Mdg|nAi|vq m{m|`q amh vm~ i ~iw|
g`g|mc qpw`ghp cimhq( N ~iw qg|ug mq
m UNQPM i| Vgmag Ai|vq uicwhpgg|# mvi|pnih i ~iw| g`g|mc Vg|onhq cimh
`glp amh lg amhagcg`( Cgm|h di|g mp
{{{(mdg|nai|vq(kiu mh`
{{{(vgmagai|vq(kiu(
Dnnpm|~ vg|qihhg)
m{ ghi|agdghp ieag|q
Ag|pmnh l|mhabgq i pbg W(Q( M|dg`
Ei|agq ig| cimh mqqwdvpnih lghgpq(
Unqnp {{{(pi`m~qdncnpm|~(aid ( N ~iw
qg|ug nh pbg dncnpm|~ nh mh m|gm i biqpncnp~
i| nddnhghp `mhkg|# =66 vg|aghp i
~iw| g`g|mc Vg|onhq cimh `glp amh lg
amhagcg`(
N ~iw|g m cm{ ghi|agdghp iag|# ~iw
dm~ lg gcnknlcg pi bmug m vi|pnih i ~iw|
g`g|mc Vg|onhq cimh glp amhagcg`(
Aihpmap ~iw| aiccgkg i| `gpmncq(
Eg`g|m)vwlna qg|unag gdvi~ggq
Qidg W(Q( kiug|hdghp gvm|pdghpq
ig| cimh mqqwdvpnih lghgpq i|
gdvci~ggq nh ag|pmnh vwlcna qg|unag
gc`q( ^iw dm~ lg gcnknlcg i|
i|knughgqq i mh~ qpw`ghp cimh `glp ~iw
bmug |gdmnhnhk mpg| =6 ~gm|q(
Mdg|namh Ivvi|pwhnp~ mh` Cngpndg
Cgm|hnhk pmr a|g`npq mcci{ ~iw i| ~iw|
vm|ghpq pi qwlp|map m vi|pnih i ~iw|
aiccgkg aiqpq |id pbg pmrgq ~iw i{g
gmab ~gm| {bgh ~iw cg ~iw| pmr |gpw|h(
Pwnpnih mh` ggq pmr `g`wapnih mh`
qpw`ghp cimh nhpg|gqp `g`wapnih mcci{
~iw pi qwlp|map m vi|pnih i ~iw| pwnpnih
mh` ggq |id ~iw| pmrmlcg nhaidg mh`
pi `g`wap wv pi $#666 "i| iw| ~gm|q
i qg|unag.
Qwldnp mvvcnampnih l~
Jwhg 16
Mk|gg pi pgmab nh
m a|npnamc pgmabg|
qbi|pmkg qwljgap mp m
`gqnkhmpg` qabiic
{{{(ama(am(ku
qpmp hn
Mdvpn
Vmd cm
g`mpn hn
mp "qhMVcg h.
N ~iw m|g m hw|qnhk qpw`ghp i|
gh|iccg` nh m hw|qnhk v|ik|md i|
egc` |gcmpg` pi hw|qnhk mh` ~iwug
aidvcgpg` mp cgmqp m lmabgci|q
`gk|gg nh hw|qnhk i| m egc` |gcmpg`
pi hw|qnhk# mh` ~iw mk|gg pi pgmab
hw|qnhk mp m |gknihmcc~ maa|g`npg`
Amcni|hnm aiccgkg i| wv pi pb|gg
~gm|q
$
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D i | g { M ~ q P i V M ~
Eg`g|mc cimhqPbg qdm|p {m~ pi li||i{N ~iw `ihp |gagnug ghiwkb |gg dihg~ pi vm~ i| aiccgkg mh` ~iw m|ghp mlcg pi aiug| ~iw| aiqpq {npb
qmunhkq i| ipbg| |gqiw|agq# aihqn`g| g`g|mc qpw`ghp cimhq |qp( Eg`g|mc qpw`ghp cimhq bmug m rg`
nhpg|gqp |mpg# egrnlcg |gvm~dghp ivpnihq mh` ipbg| lghgpq pbmp diqp v|numpg qpw`ghp cimhq `i hip bmug(
^iw amh kgp m g`g|mc cimh gugh n ~iw `ihp `gdihqp|mpg hmhanmc hgg`# mh` pbg|gq hi a|g`np abgao
i| wh`g|k|m`wmpg cimhq( Pbg|g m|g mcqi g`g|mc cimhq i| vm|ghpq( Ei| di|g nhi|dmpnih# unqnp
{{{(qpw`ghpcimhq(kiu i| {{{(hqc`q(g`(kiu(
Qidg cgh`g|q ig| v|numpg cimhq# lwp oggv nh dnh` v|numpg cimhq wqwmcc~ bmug bnkbg| nhpg|gqp |mpgq mh`
g{g| lghgpq( N ~iw hgg` pi li||i{# ~iw| |qp ivpnih qbiwc` mc{m~q lg g`g|mc cimhq(
Eg`g|m Qpmi|` imhqPbgqg m|g pbg diqp aiddih cimhq mh` m|g i| qpw`ghpq {npb i|
{npbiwp `gdihqp|mpg` hmhanmc hgg` mp mcc p~vgq i aiccgkgq(
Pi |gagnug m g`g|mc Qpmi|` cimh# ~iw dwqp lg gh|iccg` mp
cgmqp bmc pndg "mq `gpg|dnhg` l~ ~iw| aiccgkg.( Pbg|g m|g p{i
onh`q i Qpmi|` cimhq:
=( Qwlqn`nzg` Qpmi|` imhq
Lmqg` qicgc~ ih hmhanmc hgg`( Pbg g`g|mc kiug|hdghp vm~q
pbg nhpg|gqp {bncg ~iw|g nh aiccgkg mh` `w|nhk pbg qnrdihpb
k|mag vg|ni` mpg| ~iw k|m`wmpg# cgmug qabiic i| gh|icc cgqq
pbmh bmc pndg~iwcc dmog hi cimh vm~dghpq whpnc ~iw| k|mag
vg|ni` gh`q( Pi }wmcn~# ~iw dwqp dggp mcc pbg |g}wn|gdghpq i|
g`g|mc mn` "qgg vmkg =.(
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M aiqg| iio mp Qpmi|` imhq
{mp p @pmn
b p p En|qp qwldnp pbg EMEQM? ~iw| aiccgkgq ehmhanmc mn` ieag {ncc aihpmap ~iw cmpg| pi aidvcgpg pbg |g}wn|g` qpgvq# nhacw`nhkqnkhnhk m dmqpg| v|idnqqi|~ hipg mh` aidvcgpnhk cimh aiwhqgcnhk
Npp mp Cimhq `nqlw|qg` lgp {ggh Jwc~ =#
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D i | g { M ~ q P i V M ~
M aiqg| iio mp VcWQ imhq
{mp p `m Vcwq m vmp `m Vcwq m m`mp % vnm p`p "km` Vcwq.
b p p Aidvcgpg pbg EMEQM Aidvcgpg m VCWQ cimh dmqpg| v|idnqqi|~ hipg
Ppm mdp m l Wv pi pbg pipmc aiqp i ~iw| abnc`q wh`g|k|m`wmpgg`wampnih# dnhwq mh~ ipbg| mn` |gagnug` "|gmvvc~gmab ~gm|.
Wv pi pbg pipmc aiqp i ~iw| g`wampnih# dnhwq mh~ ipbg| mn` |gagnug`
Npp mp Enrg` mp ;(> vg|aghp Nhpg|gqp maa|wgq |id pbg `mpg i `nqlw|qgdghp whpnc vmn` nh wcc
M cimh gg i wv pi 0 vg|aghp {ncc lg `g`wapg` |id gmab c imh ` nqlw|qgdghp
gdp }ndp Mp cgmqp bmc pndg nh m v|ik |md cgm`nhk pi m `gk|gg i | ag| pneampg
ip }ndp Lmqna }wmcneampnih |g}wn|gdghpq i| g`g|mcehmhanmc mn` "qgg vmkg =.
Lmqna }wmcneampnih |g}wn|gdghpq i| g`g|mc ehmhanmc mn` "qgg vmkg =. ^iw| gcn knlncnp ~ i| g`g|mc Qp mi |` cimhq dwqp e|qp lg `g pg|dnhg`
a`np nnlnnp}ndp*"VCWQ cimhq m|g hip lmqg` ihnhaidg i| mqqgpq.
Hi `glpq `gcnh}wghp >6 `m~q i| di|g "i| di|pkmkg i| dg`namc lncc vm~dghpq# hi `gcnh}wghangq k|gmpg| pbmh =26 `m~q. Hi `gmwcpg` cimhq# iwpqpmh`nhk pmr cnghq# whvmn` jw`kdghpq# lmho|wvpa~# i|gaciqw|g i| {mkg km|hnqbdghp {npbnh pbg vmqpeug ~gm|q
|vmdp ln [npbnh 56 `m~q i pbg ci mhq cmqp `nqlw|qgdghp(^iw amh `gg| vm~dghpq whp nc ~iw| abnc` agmqgqpi lg gh|iccg` mp cgmqp bmc pndg mh` `w|nhk pbgqnrdihpb# viqpgh|iccdghp vg|ni`( Nhpg|gqp maa|wgq`w|nhk `gg|dghp(
[npbnh 56 `m~q i pbg cimhq cmqp `nqlw|qgdghp( ^iw amh viqpvihg |gvm~dghp{bncg ~iw|g nh qabiic mp cgmqp bmc pndg# mh` `w|nhk pbg qnrdihpb#viqpgh|iccdghp vg|ni`( Nhpg|gqp maa|wgq `w|nhk `gg|dghp(
*N ~iw i| ~iw| vm|ghpq amhhip vmqq pbg a|g`np abgao# ~iw amh qpncc |gagnug m VCWQ cimh n ~iw ohi{ qidgihg {bi amh mh` nq {nccnhk pi aiqnkh "gh`i|qg. ~iw| cimh(
`m p`p m mmpnNh |m|g amqgq# ~iw| cimh# i| m vi|pnih i np# amh lg amhagcg`nh ipbg| {i|`q#
~iw {ihp bmug pi vm~ np lmao( ^iw| cimh amh lg amhagcg` n:
~ ~iw| aiccgkg aciqgq mh` ~iw|g whmlcg pi aidvcgpg ~iw| qpw`ngq?
~ ~iw| aiccgkg mcqgc~ ag|png` ~iw| gcnknlncnp~ i| m cimh?
~ ~iw| n`ghpnp~ {mq qpicgh mh` wqg` nccgkmcc~ pi pmog iwp qpw`ghp cimhq?
~ ~iw| aiccgkg mncg` pi dmog m |gwh` pi pbg W(Q( @gvm|pdghp i G`wampnih
{bgh ihg {mq `wg "~iw `ihp hgg` pi |gvm~ pbg mdiwhp ogvp l~ pbg
aiccgkg.? i|
~ ~iw lgaidg pipmcc~ mh` vg|dmhghpc~ `nqmlcg` i| `ng(
Pi cgm|h di|g# aihpmap ~iw| cimh qg|unag| i| ~iw| aiccgkgq hmhanmc mn`
iag# i| unqnp {{{(pw`pm(ku(
{mp m m` npp m` mvnpmnzmpn9Cgpq qm~ ~iw li||i{ $=6#666 unm mh whqwlqn`nzg` Qpmi|` cimh iug| m
vg|ni` i iw| ~gm|q( ^iw abiiqg pi `gg| vm~nhk pbg nhpg|gqp {bncg ~iw|g nh
qabiic i| iw| ~gm|q vcwq `w|nhk pbg qnrdihpb k|mag vg|ni`( Pbg nhpg|gqp
pbmp maawdwcmpgq nq ohi{h mq maa|wg` nhpg|gqp( Mpg| iw| mh` m bmc ~gm|q#
mliwp $
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V|numpg cimhqV|numpg cimhq ipgh am||~ bnkbg| nhpg|gqp |mpgq
mh` ggq pbmh g`g|mc cimhq# mh` dm~ bmug cgqq
mpp|mapnug |gvm~dghp pg|dq( P~vnamcc~# pbg nhpg|gqp
|mpgq ih v|numpg cimhq m|g um|nmlcg mh` amhabmhkg |id dihpb pi dihpb( V|numpg cimhq m|g
wqwmcc~ lmqg` ih ~iw| a|g`np |mpnhk mh`
`glppinhaidg |mpnihip hmhanmc hgg`mh`
dm~ |g}wn|g m aiqnkhg|( Pbg nhi|dmpnih nh ~iw|
a|g`np |gvi|p {ncc `gpg|dnhg pbg nhpg|gqp |mpg ~iw
}wmcn~ i|(
M hwdlg| i cgh`g|q ig| v|numpg cimhq( Mqo
}wgqpnihq mh` aidvm|g cgh`g|q pi dmog pbg lgqp
abinag i| ~iw(
Aihqn`g|nhk m v|numpg imh:[bmp }wgqpnihq qbiw` ~iw mqo9
~ [bmpq pbg nhpg|gqp |mpg9 Enrg` i| um|nmlcg9 N um|nmlcg# bi{
ipgh {ncc np lg m`jwqpg`9 [bgh igq nhpg|gqp amvnpmcnzg mh`
bi{ ipgh9
~ Nq pbg|g m dmrndwd mdiwhp ~iw amh li||i{9
~ Nq m aiqnkhg| |g}wn|g`9 [ncc bmunhk m aiqnkhg| ci{g| pbg
nhpg|gqp |mpg9
~ Nq pbg|g mh mvvcnampnih gg9 M|g pbg|g mh~ nqlw|qgdghp ggq9
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mwpidmpna lncc vm~9
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v|gvm~dghp vghmcp~9
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~ [ncc ~iw| vm~dghpq lg `gg||g` {bncg ~iw|g nh qabiic9 N qi#
{ncc nhpg|gqp aihpnhwg pi maa|wg9
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m jil ciqq i| ipbg| gaihidna bm|`qbnv9 @i ~iw bmug mh~
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~iw li||i{# {npb nhpg|gqp( Npq {i|pb hipnhk pbmp g`g|mc cm{q
dmog np hgm|c~ ndviqqnlcg pi `nqabm|kg m qpw`ghp cimh pb|iwkb
lmho|wvpa~# gragvp nh |m|g nhqpmhagq( Lgi|g ~iw li||i{# mqo:
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pbg |nkbp pi lg wcc~ nhi|dg` mliwp pbg aiccgkgq pwnpnih mh`
|gwh` vicnangq# mam`gdna mh` p|mnhnhk v|ik|mdq# hmhanmc mn`
v|ik|mdq# mawcp~ mh` mancnpngq# mh` npq k|m`wmpgq qwaagqq
|mpg nh h`nhk jilq( ^iw mcqi bmug pbg |nkbp pi mqo bi{ dmh~
qpw`ghpq aidvcgpg pbgn| `gk|ggq mp pbg aiccgkg mh` bi{ dmh~
i pbgd p|mhqg| iwp( Eg`g|mc |gkwcmpnihq |g}wn|g qidg aiccgkgq
pi v|iug pbmp m vg|aghpmkg i i|dg| qpw`ghpq m|g qwaagqqwcc~vm~nhk pbgn| cimhq# i| pbg aiccgkg aiwc` ciqg npq maagqq pi
g`g|mc k|mhpq mh` cimhq(
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nh ~iw| abiqgh gc` mh` bi{ {gcc `i pbg~ vm~9 Qidg jilq mh`
am|gg|q m|g di|g qpmlcg i| bnkbg| vm~nhk pbmh ipbg|q( Cgm|h
di|g mliwp bwh`|g`q i jilq# nhacw`nhk |g}wn|g` p|mnhnhk#
v|iqvgapq mh` gm|hnhkq# nh pbg g`g|mc Iaawvmpnihmc Iwpciio
Bmh`liiomumncmlcg mp {{{(lcq(kiu)iai(
M|g pbg|g ipbg| ivpnihq9 N ~iw qpncc hgg` dihg~ i| aiccgkg
mpg| |gmabnhk pbg g`g|mc cimh li||i{nhk cndnpq# awp grvghqgq
i| abgao iwp {m~q pi |g`wag aiccgkg aiqpq# qpm| pnhk {npb pbiqg
cnqpg` ih vmkg
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D i | g { M ~ q P i V M ~
\gvm~nhk g`g|mc qpw`ghp cimhq[bgh np aidgq pndg pi vm~ lmao ~iw| g`g|mc qpw`ghp cimhq# pbg|g m|g ug |gvm~dghp ivpnihq# nhacw`nhk
vm~dghpq pbmp qpm~ pbg qmdg gmab dihpb "qpmh`m|`.? vm~dghpq pbmp lgknh ci{g| mh` nha|gmqg iug|
pndg "k|m`wmpg`.? vm~dghpq pbmp qp|gpab iug| m cihkg| vg|ni` i pndg "grpgh`g`.? mh` vm~dghpq pbmp m|g
`gvgh`ghp ih ~iw| nhaidg "nhaidglmqg` mh` nhaidgaihpnhkghp.(
^iwcc wqwmcc~ bmug wv pi =6 ~gm|q pi |gvm~ ~iw| cimh# lwp ~iw aiwc` bmug mq cihk mq 6'
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@ihp `gmwp( N ~iw `ihp |gvm~ ~iw| cimh# ~iwcc mag qg|niwq
aihqg}wghagq:
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hmhanmc mn` "k|mhpq i| cimhq.(
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vm~ lmao ~iw| cimh(
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abgao a|g`np(
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dihpb# {npb wv pi =6 ~gm|q pi |gvm~( ^iw| dihpbc~ vm~dghp
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vg| $=#666 li||i{g` i| pbg |qp p{i ~gm|q# pbgh $=1(71
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$16#666( Vm~dghpq amh lg rg` i| dm~ k|m`wmcc~ nha|gmqg
iug| pndg# {npb wv pi
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~ i w h g g @ P i o h i {
Qmdvcg aiccgkg hmhanhk vcmhBg|g nq ihg viqqnlcg qaghm|ni nccwqp|mpnhk bi{ ihg qpw`ghp vm~q i| aiccgkg( Qgg di|g qmdvcg aiccgkg
hmhanhk vcmhq mp bppv:))amcni|hnmaiccgkgq(g`w)ehmhag)ehmhag(mqv(
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Pbg hgp aiqp nq pbg mdiwhp pbmp Qg|ghmq mdnc~ dwqp vm~ mpg|
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DMHMKNHK PBG HGP AIQP
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m|g nhaw||g` iug| pndg(
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Qg|ghmq vm|ghpq {iwc` lg grvgapg` pi aihp|nlwpg $>
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Ug|neampnihPbg g`g|mc kiug|hdghp |mh`idc~
qgcgapq mliwp ihg nh pb|gg EMEQMq gmab
~gm| i| ug|nampnih( N ~iw| EMEQM nq
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aiv~ i ~iw| i| ~iw| vm|ghpq diqp
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hg{ gmab qabiic ~gm|# qi ~iwcc hgg`
pi qwldnp pbg EMEQM gmab ~gm|( Wqg
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i| mvvcnampnihq i| |gmvvcnampnihq i|
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vm~ mpg| aiccgkg(
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hmhanmc mn` mh` {npb`|m{ |id qabiic(
~ \gvm~ ~iw| qpw`ghp cimhq# gugh n ~iw
`ihp aidvcgpg ~iw| g`wampnih# amhp
kgp m jil i| m|ghp bmvv~ {npb ~iw|
g`wampnih(
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v|idvpc~ i abmhkgq nh ~iw| hmdg#
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hwdlg|# gh|iccdghp i| dm|npmc qpmpwq#
i| hmhanmc |gqiw|agq(
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vm~dghpq(
~ \gmvvc~ i| hmhanmc mn` gmab ~gm| ~iw
mppgh` aiccgkg(
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~ i w h g g @ P i o h i {
Qvgh`nhk qdm|pKgp i|kmhnzg`( Qgp wv qgvm|mpg cgq i| ~iw| lmho qpmpgdghpq#biwqgbic` lnccq# nhqw|mhag vm~dghpq# aiccgkg mvvcnampnihq#
hmhanmc mn` vmvg|q# cimh `iawdghpq mh` ai||gqvih`ghag {npb
~iw| aiccgkg mh` ~iw| cimh qg|unag|( Oggv pbgd nh m qmg vcmag(
A|gmpg m dihpb~ qvgh`nhk vmh mh` qpnao pi np( En|qp# ~iwcc
hgg` pi ohi{ ~iw| nhaidg mh` grvghqgq( Pi kw|g iwp ~iw|
grvghqgq# {|npg `i{h mcc ~iw| vw|abmqgq gug|~ `m~ i| mp
cgmqp p{i {ggoq pi wh`g|qpmh` {bg|g ~iw| dihg~ nq kinhk(
Mcqi# ciio mp ~iw| lmho i| a|g`np am|` qpmpgdghpq mp pbg gh`
i pbg dihpb( ^iwcc kgp m kii` n`gm i pbg hwdlg| i aiggq
~iw liwkbp# bi{ dmh~ pndgq ~iw mpg iwp# mh~ acipbgq# qbigq#
liioq i| ipbg| npgdq ~iw liwkbp# mh` ~iw| |gkwcm| biwqgbic`
grvghqgq# qwab mq |ghp# wpncnpngq mh` ii`(
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pgrpliioq ihcnhg( Aidvm|g NQLHq "gug|~ liio bmq npq i{h
Nhpg|hmpnihmc Qpmh`m|` Liio Hwdlg|# ciampg` ih pbg aiv~|nkbp
vmkg. pi dmog qw|g ~iw kgp pbg |nkbp g`npnih( Mcqi# mqo n ~iw|
aiccgkg bmq m liio |ghpmc i| lw~lmao v|ik|md( N ~iw `ihp
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pbg|g m|g qgug|mc ci{aiqp ivpnihq i| `i{hcim`nhk pgrpliioq(
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mh` gugh gmqng| pi kgp nhpi p|iwlcg( Qbiv m|iwh` mh` lg {m|~
i ci{ nhp|i`wapi|~ |mpgq pbmp }wnaoc~ jwdv bnkbg|( Ciio iwp
i| bn``gh ggq( Aihqn`g| m `glnp am|` nhqpgm`# lwp ~iwcc qpncc
hgg` pi |gm` pbg hg v|nhp( N ~iw bmug m a|g`np am|`# vm~ ~iw|
lmcmhag nh wcc gmab dihpb( N ~iw amhp# p|~ pi vm~ di|g pbmhjwqp pbg dnhndwd vm~dghp(
Qpm|p qmunhk( Hi dmppg| bi{ cnppcg# qgp mqn`g qidgpbnhk gug|~
dihpb( Gugh $
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Bi{ dwab {nccnp aiqp9^iw ohi{ pbg v|nag i m dwqna `i{hcim` mh` m
cmpp# lwp bi{ mliwp pbg aiqp i npgdq ~iwcc
hgg` pi lw~ mq m aiccgkg qpw`ghp i| pi qgp wv
mh mvm|pdghp9
~ Pbg mug|mkg aiqp i m aiccgkg pgrpliio nq m|iwh` $=66?
~iw amh grvgap pi qvgh` mliwp $066$566 i| di|g gmab
qgdgqpg| ih liioq# `gvgh`nhk ih ~iw| aiw|qg i qpw`~( L~
pbg pndg ~iw k|m`wmpg# ~iw| pipmc liio lncc aiwc` lg mq bnkb
mq $1#766( Vw|abmqg wqg` pgrpliioq# i{hcim gpgrpq i|
li||i{ liioq |id ipbg|q {bi bmug pmogh pbg qmdg acmqqgq(
~ Vcmh pi vm~ mliwp $==7 vg| dihpb i| wpncnpngq "kmq mh`
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~ ^iwcc v|ilmlc~ qvgh` wv pi $066 m dihpb ih ii`# nhacw`nhk
qhmaoq mh` gmpnhk iwp(
~ Pbg mug|mkg {mqbg| pmogq mliwp $< nh }wm|pg|q i| m qnhkcg
cim` mh` `|~nhk amh aiqp mhipbg| $
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~ i w h g g @ P i o h i {
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NHAIDG QIW\AG Gqpndmpg` dihpb~ pipm Gqpndmpg` ~gm|~ pipm
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Abnc` am|g
P|mhqvi|pmpnih: Am| kmq mh` dmnhpghmhag
Am| nhqw|mhag mh` |gknqp|mpnih
Am| vm~dghp
Vwlcna p|mhqvi|pmpnih
Vm|onhk
Eii`: K|iag|ngq
\gqpmw|mhpq
Aigg# qhmaoqAcipbnhk: Acipbgq
Cmwh`|~ ) `|~ acgmhnhk
Ghpg|pmnhdghp
A|g`np am|` vm~dghpq
Dg`namc ) `ghpmc nhqw|mhag mh` grvghqgq
Dnqagccmhgiwq
Pipmc grvghqgq $ $
Pipm nhaidg dnhwq pipm gvghqgq 4 $
"mumncmlcg wh`q.
4 $
"mumncmlcg wh`q.
1#666(66
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0#
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Pg|dq pi ohi{ _Pbg diqp ndvi|pmhp `ghnpnihq m|g bnkbcnkbpg`( TMln np~pilghgep pgqp: ihg {m~ pi
`gpg|dnhg gcnknlncnp~ i| g`g|mc mn`
i| qpw`ghpq {bi m|ghp bnkb qabiic
k|m`wmpgq i| `ihp bmug m KG@
ag|pnampg(
Mqqgp : mh npgd i umcwg# qwab mq |gmc
gqpmpg# qpiao# lih`# amqb qmunhkq#
p|wqp wh`# dihg~ dm|ogp wh`#
aiccgkg qmunhkq vcmh# |gpn|gdghp vcmh
i| v|gvmn` pwnpnih vcmh(
Amni|hnm Mn` \gvi|p "AM\.: pbg
|gvi|p |id pbg Amcni|hnm Qpw`ghp
Mn` Aiddnqqnih |gvi|pnhk ~iw|
Amc K|mhp gcnknlncnp~? gqpndmpgq
~iw| Amc K|mhp m{m|`(
Amni|hnm |gqn`gha~: ~iw|g
aihqn`g|g` m Amcni|hnm |gqn`ghp n
~iw|g mh whdm||ng` qpw`ghp# wh`g|
=2# mh` ~iw| vm|ghpq bmug lggh cgkmc
Amcni|hnm |gqn`ghpq i| ihg ~gm|
v|ni| pi pbg |gqn`ghag gpg|dnhmpnih`mpg i pbg aiccgkg ~iw {ncc mppgh`# i|
Qgvpgdlg| 0. |id W(Q( Anpnzghqbnv mh`
Nddnk|mpnih Qg|unagq {npb ihg i
pbg icci{nhk gqnkhmpnihq: \gwkgg
"nhacw`nhk hihanpnzgh unapndq i
bwdmh p|maonhk.# Mq~cwd K|mhpg`#
Vm|icgg "pbg N>0 aih|dq vm|icg`
i| m dnhndwd i ihg ~gm| mh` qpmpwq
bmq hip grvn|g`.# PUnqm bic`g| i|
AwlmhBmnpnmh Ghp|mhp(
Gvgapg` mdn~ aihp|nlwpnih
"GEA.: pbg vi|pnih i ~iw| i{h mh`
~iw| mdnc~q hmhanmc |gqiw|agq
pbmp qbiwc` lg mumncmlcg pi vm~ i|
aiccgkg# lmqg` ih m g`g|mc i|dwcm
wqnhk pbg nhi|dmpnih ih ~iw| EMEQM(
EMEQM: E|gg Mvvcnampnih i| Eg`g|mc
Qpw`ghp Mn`? pbg mvvcnampnih wqg`
pi mvvc~ i| g`g|mc mh` diqp
qpmpg hmhanmc mn`# mh` qidgpndgq
nhqpnpwpnihmc mn`(
Eg`g|m v|iagqqi|: pbg g`g|mc
kiug|hdghpq aidvwpg| q~qpgd pbmp
mhmc~zgq pbg nhi|dmpnih ih ~iw|
EMEQM# amcawcmpgq ~iw| grvgapg`mdnc~ aihp|nlwpnih mh` qgh`q iwp pbg
Qpw`ghp Mn` \gvi|p(
Enhmhanm mn` gnknlnnp~: pbg
`ng|ghag lgp{ggh ~iw| grvgapg`
mdnc~ aihp|nlwpnih mh` pbg aiccgkgq
aiqp i mppgh`mhag? mcqi ohi{h mq
~iw| hmhanmc hgg`(
Enhmhanm mn` vmaomkg: pbg pipmc
mdiwhp i hmhanmc mn` ig|g` l~
m qabiic? wqwmcc~ m aidlnhmpnih i
k|mhpq# qabicm|qbnvq# {i|oqpw`~
mh` cimhq(
Ei|lgm|mhag: pgdvi|m|~
viqpvihgdghp i| |g`wapnih i
~iw| dihpbc~ vm~dghp( Nhpg|gqp
aihpnhwgq pi maa|wg# nha|gmqnhk pbg
cimh lmcmhag( Ei|lgm|mhag dwqp lg
mvv|iug` l~ ~iw| cimh qg|unag|(
KG@: Kghg|mc G`wampnihmc@gugcivdghp pgqp)ag|pnampg wqg`
pi dgmqw|g bnkb qabiic mam`gdna
mabngugdghp "nh vcmag i m `nvcidm.(
KVM: k|m`g vinhp mug|mkg(
K|mhp: hmhanmc mn` pbmp igqhp
bmug pi lg |gvmn`? wqwmcc~ lmqg` ih
hmhanmc hgg`(
Nh`gvgh`ghp aigkg: m hihv|ip#
v|numpg aiccgkg pbmp nq hip |wh l~ m
kiug|hdghp i|kmhnzmpnih(
Nhqpnpwpnihlmqg` mn`: hmhanmc
mqqnqpmhag ig|g` mh` aihp|iccg` l~
nh`nun`wmc aiccgkgq# qwab mq mcwdhn
qabicm|qbnvq mh` gh`i{dghpq|id v|numpg ihi|q? mcqi amccg`
nhqpnpwpnihmc mn`(
Nhqpnpwpnihm dgpbi`iik~: pbg
i|dwcm wqg` l~ qidg aiccgkgq
pi gpg|dnhg ~iw| gcnknlncnp~ i|
nhqpnpwpnihmc mn`? dm~ aiwhp bidg
g}wnp~ mh` ipbg| mqqgpq pbg EMEQM
`igq hip(
Nhpg|gqp: pbg dihg~ ~iw {ncc lg
abm|kg` i| pmonhk iwp m cimh(
cimh qg|unag|: m aidvmh~ pbmp
bmh`cgq mcc pbg m`dnhnqp|mpnug
pmqoq mqqiampg` {npb m cimh# qwab
mq gqpmlcnqbnhk |gvm~dghp pg|dq#
bmh`cnhk gg|dghp mh` i|lgm|mhag|g}wgqpq# mh` maagvpnhk mh`
aiccgapnhk vm~dghpq(
Dmqpg| v|idnqqi|~ hipg "DVH.: m
cgkmcc~ lnh`nhk aihp|map lgp{ggh m
li||i{g| mh` pbg W(Q( @gvm|pdghp
i G`wampnih cnqpnhk mcc pg|dq mh`
aih`npnihq i m cimh? g`g|mc qpw`ghp
cimhq |g}wn|g ~iw pi qnkh mh DVH(
Dg|nplmqg` mn`: hmhanmc mn` lmqg`
ih k|m`gq# pgqp qai|gq# mpbcgpna
mlncnp~# pmcghpq i| ipbg| a|npg|nm# hip
nhaidg i| mqqgpq(
Hgg`lmqg` mn`: hmhanmc mn` pbmp
nq lmqg` ih ~iw| i{h i| ~iw| mdnc~q
nhaidg i| mqqgpq? diqp hmhanmcmn` ig|g` l~ pbg kiug|hdghp nq
hgg`lmqg`(
Hgp aiqp i mppgh`mhag i| hgp
v|nag: {bmp m qpw`ghp vm~q pi mppgh`
m bnkbg| g`wampnih nhqpnpwpnih? pbg
qabiicq aiqp i mppgh`mhag dnhwq
dihg~ i| aiccgkg pbmp `igqhp bmug
pi lg |gvmn`# nhacw`nhk k|mhpq mh`
qabicm|qbnvq(
VNH: vg|qihmc n`ghpnampnih
hwdlg| |id pbg W(Q( @gvm|pdghp
i G`wampnih pbmp qg|ugq mq ~iw|
gqnkhmpw|g ih pbg gcgap|ihna EMEQM?
mcqi amh lg wqg` pi abgao ih pbg
qpmpwq i ~iw| EMEQM# ai||gap i| v|nhp
~iw| Qpw`ghp Mn` \gvi|p# qnkh ~iw|
dmqpg| v|idnqqi|~ hipg# mh` ung{
~iw| g`g|mc hmhanmc mn` |gai|`q(
V|nhanvm "imh.: pbg mdiwhp ~iw
i|nknhmcc~ li||i{g`# vcwq mh~amvnpmcnzg` nhpg|gqp(
V|numpg am|gg| aigkg: m i|v|ip
nhqpnpwpnih ig|nhk m aiw|qg i qpw`~
i| jil qonccq lg~ih` bnkb qabiic(
Qmpnqmapi|~ mam`gdna v|ik|gqq
"QMV.: mq gqpmlcnqbg` l~ ~iw|
aiccgkg# pbg v|ik|gqq ~iw dwqp
dmnhpmnh pi{m|` ilpmnhnhk m gk|gg
i| ag|pnampg pi aihpnhwg |gagnunhk
hmhanmc mn`# mh` pbg KVM ~iw dwqp
dmnhpmnh(
Qabim|qbnv: dihg~ i| aiccgkg pbmp
~iw `ihp bmug pi |gvm~? m{m|`g`
lmqg` ih k|m`gq# pgqp qai|gq#
dmji|# bg|npmkg i| ipbg| a|npg|nm# mh`qidgpndgq# hmhanmc hgg`(
Qggapnug Qg|unag |gknqp|mpnih:
dmcgq "anpnzghq mh` gcnknlcg
hihanpnzghq. mkg =2
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Pi bgcv `gpg|dnhg {bmp
qbiwc` lg ih ~iw| amcgh`m|#|gung{ vmkgq