health buddies in royds

8/17/2019 Health Buddies in Royds

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Payms Aur ^edbh

Aphrdtkafde

^edf


2/38

@rdmgarm Mkstrkbt

Bekfkbde Baiiksskafkfl Lraup@rdmgarm ]hdbjkfl Jaspktdes

FJR Gaufmdtkaf ]rust

>0

4. Aur Wkskaf

0. Bafthxt, ̀ dbcraufm dfm vkskaf 2

2. Mhiardpjkbs dfm fhhm 2-=

=. Aur pdrtfhrs =

8. Payms dppradbj ta Aur ^edbh 8

8.4 Baiiufkty kfvaevhihft ufmhrtdchf =

8.0 Ihtjamaeay =

8.2 Gkfmkfs 7

8.= Xsh ag sabkde ihmkd 7-<

7 ^rkarkty Kssuhs gar baiiufkty :

< ^hhr suppart :

: Odraf ̀ ustkf dfm brhdtkf d sdgh spdbh ;

; Kipehihftdtkaf ̂ edf ;

4> Lavhrfdfbh 42

44 @uskfhss Bdsh 4=-4<

40 . Dpphfmkbhs

4 Payms Eakb Iamhe 4;

0 Waeufthhr gabus raup Payms 0>-08

2 [arc ^hhr rhvkhw 08-07

= Jhdetj @ummkhs ;-42

8 Lavhrfdfbh 0<

7 Jaush ag bdrh 0<

< Kfthrvkhws kf L^ surhrkhs 0:-2> : Jhdetj IA] Jhdetjy Ekghstyehs 2>-24

; Gaatprkfts gdikey bhftrh 20-27

4> BBL bjdtthr`ax hvhft 27-2<

Bafthfts


3/38

@rdmgarm Mkstrkbt



>2

4. Aur Wkskaf

Aur vkskaf ks tjdt tjh baiiufkty bdf tdch d iarh dbtkvh raeh kf tjh ba-mhskf ag iarh dppraprkdth eabde jhdetj shrvkbhs, dfm

tjdt jhdetj pravkmhrs drh iarh dèh ta shrvh, ufmhrstdfm dfm hfdh wktj eabde rhskmhfts wja ma fat burrhftey gueey hfdh.

]jh brhdtkaf ag tjh Jhdetj @ummkhs sbjhih wkee hfdèh ̀ htthr jhdetj bjakbhs dfm d systhi ag baikf deafskmh vuefhrdèh

phapeh wja fhhm tjdt `kt ag jhep ta hipawhr tjhi ta tdch baftrae ag tjhkr awf jhdetj tjrauj `htthr sheg-bdrh.

0. Bafthxt dfm `dbcraufm

Payms Aur ̂ edbh ks df kffavdtkvh prardiih hxpearkf kfktkdeey tjh rhdsafs dfm bdushs ag stdhrkf ehvhes ag jhdetj

kfhqudekty kf tjh Payms wdrm dfm d edbc ag pdtkhft hfdhihft wktj tjh ‚jdrm ta rhdbj‛ ar hdsy ta kfarh. Mhspkth tjh `hstharts ag tjh FJR, tjh eabde dutjarkty, eabde raups dfm kfmkvkmudes, tjh baipdrdtkvh jhdetj ag rhskmhfts kf tjh Payms wdrm ks

skfkfflbdftey ehss tjdf kf iarh duhft drhds ag tjh mkstrkbt, dfm tjks jds `hhf tjh bdsh gar tjh edst garty yhdrs ar iarh.

Pdtjhr tjdf warckf aut saeutkafs, wjkbj jds ̀ hhf tjh strdthy gar d eaf tkih, wh jdvh mhbkmhm ta sphfm tkih wktj jhdetj

praghsskafdes dfm eabde rhskmhfts ta warc aut wjy tjkfs maf‛t bjdfh. Afey tjhf bdf wh stdrt ta ba-mhskf tjh saeutkafs,

dfm tjhf afey ̀ y `rkfkf tahtjhr tjash wja hfmurh jhdetj kfhqudekty wktj tjash rhspafskèh gar mhekvhrkf tjhkr shrvkbhs.

]jh ehdm àmy gar tjks praohbt ks Payms Baiiufkty Dssabkdtkaf, wjkbj ks tjh dfbjar ardfksdtkaf kf tjh Payms wdrm. Payms ks

d idturh bjdrktdèh baipdfy hstdèksjhm kf 4;;= wjkbj ks sustdkfdèh tamdy tjrauj rhftde kfbaih3 baftrdbt dfm

baiiksskaf kfbaih3 bafsuetdfby dfm hdrfhm kfbaih3 ds whee ds rdfts dfm d juh diauft ag vaeuftdry hart. \h warc kf

pdrtfhrsjkp dfm af aur awf ta suppart fhkjàurjaams dfm kfmkvkmudes dbrass @rdmgarm kf jhdetj, hipeayihft dfm

baiiufkty mhvheapihft.

2. Mhiardpjkbs dfm fhhm

]jh Payms drhd jds afh ag tjh jkjhst jhdetj kfhqudektkhs kf tjh bauftry.

84% ag rhskmhfts kf ekvh kf RAD‛s wktjkf tjh tap 4>% ag mksdmvdftdh dfm ekgh hxphbtdfby bdf `h up ta 40 yhdrs ehss tjdf

iarh duhft drhds kf @rdmgarm mkstrkbt. Jkj ehvhe ag pavhrty hsphbkdeey kf tjh sabkde jauskf hstdths kf tjh wdrm bdf ehdm ta

paar ekghstyeh bjakbhs, wjkbj ks pravhf ta kfbrhdsh tjh rkscs ag mkd`hths dfm saih typhs ag bdfbhr, hsphbkdeey rhedthm ta

siackf.


4/38

@rdmgarm Mkstrkbt



>=

Kf tjh Payms wdrm tjh fui`hr ag mhdtjs phr 4,>>> papuedtkaf muh ta dee bdushs, kfbeumkf bdfbhr, strach dfm BJM fui`hrs

ks jkjhr tjdf àtj drhd dfm mkstrkbt ehvhes. ]jh fui`hr ag mhdtjs phr 4,>>> papuedtkaf muh ta barafdry jhdrt mkshdsh

(BJM) ks desa jkjhr tjdf àtj drhd dfm mkstrkbt ehvhes. Jkjhr fui`hrs ag rhspafmhfts kf aur survhys ghhe tjhy drh fat`hkf hfbaurdhm dfm supparthm ta ̀ h pjyskbdeey dbtkvh ds baipdrhm ta atjhr wdrms. Jkjhr fui`hrs ag rhspafmhfts ghhe

tjdt aemhr phapeh ht shrvkbhs dfm suppart ta ekvh dt jaih ds baipdrhm ta atjhr wdrms. ]jh bjkemjaam a`hskty rdth ag

rhbhptkaf bjkemrhf ks jkjhr tjdf ̀ atj mkstrkbt dfm drhd ehvhes.

]jh wdrm suhrs grai iuetkpeh mhprkvdtkaf wktj dàvh mkstrkbt dvhrdh warcehssfhss, sbjaae dttdkfihft, fui`hrs ag FHH]R

dfm ehvhes ag maihstkb vkaehfbh. ]jh ehvhe ag jaspktde dmiksskafs phr 4,>>> ks jkjhr tjdf iast atjhr wdrms, pdrtkbuedrey Kf

rhedtkaf ta bdfbhr, BA^M dfm trduid, dfm ks rhedtkvhey jkj kf rhedtkaf ta strach, mkd`hths dfm jyphr thfskaf. Idfy rhskmhfts

bjaash ta dtthfm D&H rhdrmehss ag tjh rhdsaf, agthf wktj rhedtkvhey ikfar dkeihfts. ]jks ks fat dewdys muh ta edbc ag

ufmhrstdfmkf ag tjh FJR ‒ grhquhftey kt ks ta ht ihmkbde dmvkbh dfm dsskstdfbh af tjh sdih mdy rdtjhr tjdf wdktkf

shvhrde mdys gar d mabtar‛s dppakftihft.

Gar taa eaf rhskmhfts jdvh fat hfdhm whee wktj jhdetj shrvkbhs dfm ma fat jdvh tjh sdih dspkrdtkafs gar ̀ htthr jhdetj

muh ta edbc ag cfawehmh ag tjh jhdetj systhi.

Gar avhr => yhdrs tjh jhdetj kfhqudektkhs dp jds baftkfuhm ta wkmhf dfm ds makf tjh sdih tjkfs tjh sdih wdy jds `hhf

mhsbrk`hm ds ̀ hkf tjh mhfflfktkaf ag kfsdfkty tjks hxpedkfs wjy wh drh eaackf dt fhw brhdtkvh saeutkafs. \h rhbafksh tjh

suòhbt drhd ks vhry `radm, ùt aur ade ks ta rhshdrbj tjh idkf bafbhrfs dhbtkf phapeh kf tjh drhd `y dsckf ―wjy’ dfm

dtjhrkf vkhws dfm hvkmhfbh af tjh wdy ta idch bjdfh jdpphf.

]jh kfdppraprkdth ush ag D&H shrvkbhs gar faf-hihrhfby bdshs dfm ag L^ dppakftihfts gar ruf-ag-tjh-ikee bauj dfm

baems ks saihtjkf aur bekfkbde pdrtfhrs wdft dmmrhsskf kf tjh praohbt. Eabde BBL‛s drh chhf ta warc wktj Payms af

sheg-bdrh dppradbjhs ta rhmubkf jhdetj kfhqudektkhs dfm pdtkhft hfdhihft ds pdrt ag tjh @rdmgarm Jhdetj Rtrdthy

=. Aur pdrtfhrs

^X@EKB RHB]AP

• @rdmgarm Mkstrkbt BBL

• @rdmgarm Rautj Jhdetj Ju` • @rdmgarm ]hdbjkfl Jaspktdes ]rust

• @IMB ûèkb Jhdetj dfm Fhkljàurjaam Idfdlhihft

• 2 Pkmlh L^ prdbtkbhs


5/38

@rdmgarm Mkstrkbt



>8

WAEXF]DP[ DFM BAIIXFK][ RHB]AP

• Jhdetjy Ekghstyehs BKB (jhdetj dfm \hee`hkfl WBR prdbtktkafhrs)

• Gaatprkfts Gdikey Bhftrh

• Fhw Jarkzafs aemhr phapeh bdrh

• Mdvkm @drrhtt

• P Waf Jkppeh

• Baiiufkty pdrtkbkpdfts

]JH ̂ X@EKB

• ]jh baiiufkty

• Mdvkm @drrhtt (eabde jhdetj dbtkvkst dfm rhskmhft)

• Pkbjdrm Waf Jkpphe (eabde rhskmhft, dbtkvkst dfm dethrfdtkvh tjhrdpkst)

8. Payms dppradbj ta Aur êdbh

Aur dppradbj jds `hhf afh ag baiiufkty mhvheapihft, eksthfkf dfm sphdckf ta phapeh, chhpkf tjh edfudh pedkf.

Jhepkf phapeh, wjahvhr tjhy drh grai baiiufktkhs ta bekfkbkdfs, ta `h deeawhm ta hxprhss tjhkr vkhws wjkest `hkf trhdthm

ds hqudeey vdeudèh dfm kipartdft. \h devdfkshm dee bafbhrfhm draufm tjh ―bdush’ ta fflfm fhw dfm kffavdtkvh saeutkafs ta

praèhis tjdt jdvh ̀ hhf draufm gar d eaf tkih. ]jh ̀ dsks ag hfdhihft wds tjdt gar yhdrs kfhqudektkhs drh wkmhfkf,

hfdhihft mkikfksjkf dfm usude saeutkafs jdvh fat warchm, dfm wjdt ma yau tjkfc wauem warc `htthr1, phapehs baftrkù-

tkaf ks vdeudèh. ]jks jds `hhf àtj d rhvhedtkaf dfm d ek`hrdtkaf gar phapeh ta `h grhh ta baftrkùth jafhstey.

]jh brhdtkaf ag spdbh gar jafhst bafvhrsdtkaf jds `hhf dpprhbkdthm dfm pramubtkvh.]jh kfvaevhihft ag eabde phapeh wktj

tjhkr ekvh hxphrkhfbh ag hfdhihft kssuhs wktj jhdetj praghsskafdes ks chy ta ̀ uy kf dfm dtthiptkf ta ma tjkfs mkhrhftey.

Ldkfkf baffflmhfbh ag tjh baiiufkty wds chy ta tjhi ghhekf dèh ta baftrkùth ta ba-mhskfkf fhw saeutkafs ta tjh

kmhftkfflhm kipartdft bjdeehfhs wh whrh hxpearkf

8.4 Baiiufkty kfvaevhihft ufmhrtdchf

\h bafmubthm d rdfh ag baiiufkty bafsuetdtkaf gar tjks praohbt wktj avhr 2>> ihi`hrs ag tjh hfhrde puèkb kf tjh Payms drhd.

8.0 Ihtjamaeay\h mkm strhht survhys dfm whft kfta pu`s, tdchdwdys dfm sjaps dfm dtjhrhm baiihfts dfm vkhws af tjh gdbtars rhedtkf ta

aam jhdetj dfm whee`hkf. \h mkm gdbh ta gdbh kfthrvkhws wktj rhskmhfts wja whrh wkeekf ta hfdh draufm tjh suòhbt ag

jhdetj. \h jdm raufm tdèh mksbusskafs dfm warcsjaps, dtjhrkf kfgaridtkaf tjdt jds jhephm ta kfgari tjks aphrdtkafde pedf.


6/38

@rdmgarm Mkstrkbt



>7

8.2 Gkfmkfs

• Hxbhsskvh siackfl? ghidehs 20%, idehs =2% (tatde siachrs % wdftkf ta `h kfvaevhm gurtjhr wktj tjh Payms Aur ^edbh praohbt.

]jh edbc ag dspkrdtkafs draufm jhdetj wds vhry hvkmhft. Df avhrrkmkf vkhw tjdt ‚K di jdppy wktj iy eat‛ dvh bdush gar

bafbhrf. ̂ hapeh wktj shrkaus jhdetj kssuhs bafskmhrhm tjhishevhs ds jdppy dfm afbh quhstkafhm gurtjhr dpphdrhm fat ta

`h dwdrh tjhrh drh dethrfdtkvhs ta burrhft ekghstyehs, ds ‚oust httkf ̀ y‛ shhihm ta `h tjh dttktumh. Grai tjhsh fflfmkfs wh

mhvheaphm d garwdrm strdthly wktj pdrtfhrs dfm baiiufkty kfvaevhihft kf tjh gaeeawkfl wdy?

Gabus lraups bafmubthm whrh wktj?

• Payms Hfthrprksh (Payms) Ikxhm lraup (Dpphfmkx )

• Bdrh Fdvkldtkaf dfm @ukemkfl Jhdetj ^drtfhrsjkps (Mauleds Ikees)


7/38

@rdmgarm Mkstrkbt



><

8.=. Xsh ag sabkde ihmkd dfm hehbtrafkb ihmkd ta ht tjh ihssdh aut

\h jdvh brhdthm d wkmhr hfdhihft ihmkui ag ]wktthr dfm sht up #dsc`rdmgarm tjh Payms Aur ^edbh taae gar wkmhr

bafsuetdtkaf wktj tjh baiiufkty. \h drh thstkf saih ag tjh kssuhs wktj d wkmhr dumkhfbh dfm bdfvdsskf saeutkafs grai d

vkrtude dumkhfbh.


8/38

@rdmgarm Mkstrkbt



>:

Wkmha hvkmhfbh

\h jdvh tdchf ghw sdipeh sjart bekps ta rhbarm baiiufkty mkdrkhs. ]jhsh kvh d sfdp sjat ag ekgh dfm tjh bjdeehfhs

phapeh kf mhprkvhm baiiufktkhs gdbh, agthf sjart ag kfbaih ar af `hfhfflts, eaw wdhs, dfm tjh bjdeehfh ag oust httkf `y

dfm survkvkf. Phskmhfts sphdc iarh grhhey aphfey af vkmha, dfm bdf dkf tjh baffflmhfbh ta ̀ hbaih kfvaevhm kf atjhr

hfdhihft prabhsshs, kfbeumkf bjdeehfkf ̀ hjdvkar ag praghsskafdes dfm stdrtkf ta ba-mhskf fhw shrvkbh mhekvhry

Dvdked`eh af ]wktthr #dsc`rdmgarm

7. ^rkarkty kssuhs gar tjh baiiufkty

]jh idoar kssuhs grai tjh baiiufkty drh dbbhsskf L^‛s tjrauj tjh dppakftihft systhi, wjkbj wds ihftkafhm `y avhr

88% ag phapeh kfthrvkhwhm. Raih phapeh drh jdvkf ta rkf up iarh tjdf 0>> tkihs. Jdvkf d iarh ffhxk`eh dppakftihft

systhi wds tjh saeutkaf tjdt ghdturhm jkjey. ^hapeh mksekchm tjh wdy std tdechm mawf ta tjhi dfm whrh mksiksskvh ag tjhkr

kssuhs. Odraf dfm tjh edfudh ushm wds a puttkf gar phapeh.

^hapeh drh iarh ekchey ta a ta Bdemhrmdeh Payde Jaspktde D&H ds ehdm tkihs eawhr ufmhr afh jaur wjhrhds @rdmgarm Payde

Kffflridry (@PK) wds up ta =/8 jaurs. ̂ dtkhfts survhyhm stdthm tjdt tjhy mkmf‛t ghhe sdgh kf tjh @PK dfm wauem prhghr

Bdemhrmdeh Payde Jaspktde.

]jh bafsuetdtkaf hxhrbksh dvh baiihfts subj ds ―K ghhe ds tjauj yau bdrh dfm drh eksthfkf ta ih’. ]jks phrjdps

kfmkbdths tjdt tjh jhdetj systhi mahsf‛t shhi ta eksthf gueey ar hhbtkvhey. ]jks rhspafsh dfm idfy atjhrs rhffhbt tjh Jaush

ag Bdrh iamhe vhrsus tjh @rachf Jaush ag Bdrh iamhe pravkmhm `y tjh @rdmgarm Mkstrkbt BBL, dfm tjdt pdtkhft hxphrkhfbh

ks ehss kipartdft tjdf bekfkbde hhbtkvhfhss dfm sdghty. ]jh fhhm ta kfvhst kf df dethrfdtkvh hfdhihft iamhe ekch Jhdetj

@ummkhs ks behdrey hvkmhft tjraujaut tjh bafsuetdtkaf.


9/38

@rdmgarm Mkstrkbt



>;

Aur pdrtfhrs kf tjh Bekfkbde Baiiksskafkf Lraup (BBL) dfm @rdmgarm ]hdbjkf Jaspktdes FJR Gaufmdtkaf ]rust, jdvh

whebaihm tjks kffavdtkvh kmhd dfm drh wkeekf ta eaac dt d pratatyph iamhe kf tjh Payms drhd ta pravh kt bauem `h `hfhfflbkde

ds pdrt ag d sabkde prhsbrk`kf iamhe ag hfdhihft. A`vkausey tjks iamhe ks iarh jaekstkb dfm pradbtkvh tjdf sabkdeprhsbrk`kf dfm iarh mkrhbtey af jhdetj kfhqudekty.

:. Odraf ùstkf dfm brhdtkf df aphf sdgh spdbh

Jhdetj praghsskafdes agthf tdec kf bekfkbde bamh dfm phapeh kf tjh baiiufktkhs drh agthf turfhm a wktj hfdkf, ar idy

ghhe mhek`hrdthey hxbeumhm. êdkf Hfeksj dfm skipekgykf odraf gar tjh edy phrsaf ks d chy prkarkty gar tjh baiiufkty. ^hapeh

`htthr ufmhrstaam wjhf wh skipekfflhm tjh edfudh dfm tjh kssuhs. ]jks brhdths ̀ htthr hfdhihft. @hkf eksthfhm ta wds d

rdrh hxphrkhfbh ds phapeh jdm `hhf tdechm dt gar taa eaf dfm jdm fat hxphrkhfbhm twa wdy mkdeauh. Phshdrbjhrs whrh

bafsksthftey tjdfchm gar eksthfkf.

;. Kipehihftdtkaf êdf

\h jdvh bjashf tjh aptkaf ag Jhdetj @ummkhs ds d baftkfudtkaf ag tjks warc pdst tjh Idrbj praohbt hfm gar tjh gaeeawkf

rhdsafs?

• Ruppart grai BBL dfm @rdmgarm ]hdbjkfl Jaspktdes FJR Jaspktdes ]rust wkee deeaw gurtjhr mhvheapihft kfta tjh

kssuhs ag jhdetj hfdhihft dfm kfhqudektkhs

• ]jh prata typkfl ta `h mhvheaphm bauem jdvh fdtkafde sklfkfflbdfbh, ds tjh ihtjamaealy bdf `h dppekhm ta dfy

baiiufkty

• ]aa idfy iamhes drh tjh afh bdp fflts dee dppradbj dfm tjhy ma fat ihht tjh fhhms ag idfy kf tjh baiiufkty.

• Hekikfdtkfl gdkeurh mhidfm ar wdsth ks chy ta tjh subbhss ag tjks praohbt.

• ]aa idfy jhdetj systhis drh mhsklfhm kf d vdbuui dfm wktjaut praphr baiiufkty/pdtkhft kfput dfm ma fat tdch

kfta dbbauft tjh fhhms ag ‚hdsy ta kfarh‛ phapeh

• Makfl tjh sdih wktjaut rhmubkfl jhdetj kfhqudektkhs ks fat df aptkaf, wktj dusthrkty ihdsurhs wdstkfl iafhy ks fat

df aptkaf hktjhr.

JHDE]J @XMMKHR IAMHEDpphfmkx = Jhdetj @ummy Iamhe? Aur êdbh, Payms, @rdmgarm

]jh Jhdetj @ummkhs pralrdi dkis ta tdrlht pdrtkbuedr fkbjhm baiiufktkhs dfm dbjkhvh kipdbt af tjrhh ehvhes? wktj

kfmkvkmudes, gdikekhs dfm tjh baiiufkty. Chy autbaihs wkee `h? Kfmkvkmudes


10/38

@rdmgarm Mkstrkbt



4>

• Kipravh sheg bdrh ̀ y ufmhrstdfmkfl jhdetj bafmktkafs dfm sheg bdrh ehdmkfl ta `htthr jhdetj

• Dbbhss shrvkbhs dppraprkdthey subj ds iksush ag D&H dfm L^ surlhrkhs

• Ldkf baffflmhfbh ta mksbuss tjhkr jhdetj fhhms dbrass d rdflh ag dlhfbkhs

Kipravhm hipeayihft appartufktkhs gar tjh vaeufthhrs trdkfkf kf jhdetj dfm sabkde bdrh

Gdikekhs dfm fhkj`aurs

• ]rdkfkfl gar vaeufthhrs ta FWT ehvhe 0-2 kf jhdetj dfm sabkde bdrh

• ^hhr suppart fhtwarcs ta kipravh sheg bdrh

• ^athftkde ta brhdth eabde suppart lraups gar sphbkfflb bafmktkafs

• ^drtfhrsjkp iamhe `hkfl warchm up wktj Jaspktde trust draufm dpprhftkbhsjkps.

Baiiufkty

• Jhdetj praiatkaf ehdmkfl ta tjh brhdtkaf ag d suppartkvh baiiufkty hfvkrafihft

• Hxthfm baftdbt ta jdrm ta rhdbj hdsy ta klfarh lraups fat dbbhsskfl idkfstrhdi pravkskaf tjraulj phhr fhtwarcs

• Bafsuetdtkaf lraups hfldlhm ta ghhm`dbc af shrvkbh pravkskaf ta jhdetj praghsskafdes ta kipravh jaw shrvkbhs

drh ushm dfm jaw ihssdhs drh baiiufkbdthm.

]jh ehvhe 0 FWT kf Jhdetj dfm sabkde bdrh baffflris baiphthfbh kf tjh gaeeawkf drhds?

• bdrh dsskstdfts/suppart warchrs/chy warchrs kf rhskmhftkde shttkfls

• jhdetjbdrh dsskstdfts/suppart warchrs kf baiiufkty dfm prkidry bdrh hfvkrafihfts

• jhdetjbdrh dsskstdfts/suppart warchrs kf dbuth jhdetj hfvkrafihfts

• bdrh dsskstdfts/suppart warchrs/ chy warchrs kf maikbkekdry shrvkbhs

• bdrh dsskstdfts/suppart warchrs/ chy warchrs kf mdy shrvkbhs

• Ruppart warchrs kf supparthm ekvkfl praohbts

• Baiiufkty `dshm bdrh dsskstdfts/suppart warchrs/chy warchrs kfbeumkfl tjash warckfl kf sphbkdekst drhds, h.l.

mhihftkd, ehdrfkf mksd`kektkhs.

• ^hrsafde dsskstdfts hipeayhm mkrhbtey `y tjh kfmkvkmude tjhy suppart ar tjhkr gdikekhs

• hihrlkfl fhw typhs ag warchrs dfm iuetkmksbkpekfdry jhdetj raehs brasskfl trdmktkafde shrvkbh `drrkhrs dfm mhekvhry

iamhes

Hdbj ufkt wktjkf tjh Mkpeaid jds d brhmkt rdtkf. Ehdrfhrs iust dbjkhvh d ikfkiui ag =7 brhmkts ta dkf tjh Ehvhe 0

Mkpeaid kf Jhdetj dfm Rabkde Bdrh (Dmuets) gar Hfedfm.

Ehdrfhrs iust tdch ; idfmdtary ufkts dfm usudeey tdchs 2 ta 7 iaftjs ta baipehth. ]jhy tjhf jdvh tjh bjakbh ag aptkafde

cfawehmh dfm baiphthfbh ufkts bavhrkf


11/38

@rdmgarm Mkstrkbt



44

mkhrhft drhds ag jhdetj dfm sabkde bdrh subj ds suppart phrsaf-bhftrhm dppradbjhs, dmvabdby, jhdetjbdrh, suppartkf

tjash wktj mksd`kektkhs, ehdrfkf mksd`kektkhs dfm mhihftkd.

Ehdrfhrs jdvh tjh appartufkty ta tdch d hfhrde qudekfflbdtkaf kf jhdetj dfm sabkde bdrh, ar tjhy idy gaeeaw sphbkdekst

pdtjwdys kf Mhihftkd Bdrh ar Ehdrfkf Mksd`kektkhs.

^ralrhsskaf ks passkèh ta FWT ehvhe 2.

]jh iamhe

]jh iamhe wkee warc kf d mhfflfhm fhkjàurjaam dfm BBL drhd. Kt jds `hhf thsthm kf @krikfjdi, dfm dt Payms @rdmgarm

tjh bafsuetdtkaf raups bavhrhm d fui`hr ag jhdetj kssuhs subj ds sckf praèhis, ̀ eaam tjkffkf shrvkbhs dfm aemhr

phapehs shrvkbhs.

]jh prardi wkee rhbrukt 4 Waeufthhr dfm std ba-armkfdtar 7 pdkm pdrt tkih jhdetj ̀ ummkhs, pdrt tkih dmikfkstrdtar dfm =8

vaeufthhrs wja wkee dbtkvhey hfdh gar 0 jaurs phr whhc.

Kt wkee hfdh wktj eabde jhdetj praghsskafdes ta ufmhrstdfm chy eabde jhdetj kssuhs dfm warc wktj tjhi ta mhvheap jhdetj

praiatkaf ihssdhs. ]dckf èaam prhssurh, @IK dfm mkd`hths rhdmkfs kf tjh baiiufkty dfm rhpartkf `dbc ta kfmkvkmudes

L^ dgthr rhbhkvkf pdtkhft bafshft.

Basts dfm Bastkf

\h dftkbkpdth tjdt trdkfkf sjauem `h dbbhsshm gar grhh tjrauj d ^rkih baftrdbtar af Kffavdtkaf bamh ag Rckees Gufmkf

Dlhfby ]jh vdeuh ag tjh trdkfkfl phr 48 bajart £4>,8=8 ks ds gaeeaws?

]utar bast aut ag tjks £0>>>

Paai jkrh 0> whhcs N£8>

]rdkfkf idthrkdes £44> phr mhehdth

Bhrtkfflbdtkaf £8>-£40> phr mhehdth


12/38

@rdmgarm Mkstrkbt



40

Bastkf Jhdetj @ummkhs Iamhe Payms Aur ^edbh 0>48/47

]atde Gufmkf Gufmkf Phquhst

D @

Baursh bast N 2 phr phrsaf kfbe dbbrhmktdtkaf, bhrtkfflbdtkaf,

tutar tkih, baursh idthrkdes

48 phr baursh 9 4>,8=8

Z 2 baurshs 9 £24,728 24,728 48,:4% baftrk`utkaf

Dmikfkstrdtkaf N jrs phr whhc N 0=,>>> G]Hpra rdtd

peus hipeayhr af basts N 0>% 02284 02,284 02,284

Hipeayihft ag 7 pdrt tkih eabde phapeh ta pkeat prardiih ds

suppart ta baiiufkty pdtkhft hfdhihft wktjkf L^ prdbtkbh rhdbj drhds

£


13/38

@rdmgarm Mkstrkbt



42

• ]aa idfy tkihs tjh eksthfkfl ta phapeh iast dhbthm ỳ systhi bjdflh kf armhr ta ldtjhr bafthxt mahs fat

jdpphf dfm tjks bdushs fhw `dmey tjauj aut systhis ta gdke.

• Agthf tjh baiiufkty jdvh tjh iast vdeudèh kfskljt kfta wjdt ksf‛t warckfl dfm wjhf eksthfhm ta bdf pravkmh

vdeudèh kfgaridtkaf ta ̀ htthr pedf bjdfh.

• ]jh iamhe ks `dshm af trdkfkfl eabde vaeufthhrs ta ̀ h Jhdetj @ummkhs, saih wkee `h hipeayhm dfm ̀ hbaih pdrt ag

tjh jhdetj systhi, wh drh mksbusskf dt jkj ehvhe ta hfsurh d baftkfuui ag ehdrfkf gar tjh Jhdetj @ummkhs kf eabde

baiiufktkhs.

• Wkd`kekty ag tjh iamhe ks saufm ds 8/7 vaeufthhrs ta afh pdkm hipeayhh ks tjh rdtka hfvksdlhm wktj tjh fhw wdy ag warckfl.

• ]jh dki ks ta baffhbt phapeh grai mhprkvhm baiiufktkhs kfta tjh jhdetj drhfd, wktj dspkrdtkafs ta ldkf

hipeayihft dfm pravkmh whee trdkfhm vaeufthhrs kfta jaspktdes dfm eabde shrvkbhs.

• \h kfthfm ta mhvheap hipeayihft ùmmkhs ds whee ds iafhy ̀ ummkhs ds wh rhbalfksh tjdt dee kfhqudektkhs drh fatjhdetj ̀ dshm ds sabka-hbafaikb gdbtars drh dt pedy taa

• Ds pdrt ag tjh kfthlrdthm bdrh warckfl lraup wh bdf kfffuhfbh d oakfhm up warckfl wktj tjh kftramubtkaf ag tjh fhw iamhe.

4>. Lavhrfdfbh

\h jdvh mhvheaphm d baiiufkty lavhrfdfbh rhghrhfbh lraup baiprkshm ag?

R@ d BBL hfldlhihft aflbhr @rdmgarm Mkstrkbt dfm Bkty BBL. Jhephm wktj tjkfckfl dtthfmhm [arc ̂ hhr rhvkhw

FF Eabde Pkmh ^rdbtkbh Idfdhr, ag fflvh L^ prdbtkbh, jds sht up spdbh gar kfthrvkhws dt tjrhh eabde prdbtkbhs ds pdrt ag

baftrkùtkaf. Phprhshfts jhdetj grai L^ phrsphbtkvh

DR d eabde rhskmhft ag @utthrsjdw, baiiufkty ehdmhr dfm d bjurbj hemhr

C\ d eabde rhskmhft ag \ych, rufs baiiufkty aemhr phapehs warc dfm dtthfmhm [arc phhr rhvkhw

]M tjh BHA ag Payms, jheps wktj strdthy shttkf dfm mhvheapkf ̀ uskfhss iamhe

RC d yautj warchr kf Jaeih \aam, hfdkf wktj yaufhr phapeh kf survhys

PW d eabde rhskmhft kf @utthrsjdw, jhephm wktj saih rhshdrbj dfm tjkfckf draufm dethrfdtkvh hfdhihft ihtjams

RP d eabde WBR shrvkbh pravkmhr, bdrrkhm aut jhdetj IA]‛s dfm mhvheaphm quhstkafs gar survhys dfm gabus raups

M@ d baiiufkty jhdetj dbtkvkst, dtthfmhm gabus raups jhephm sbaph quhstkafs

Baiiufkbdtkaf wktj tjh raup ks gdbh ta gdbh dfm vkrtude avhr tjh kfthrfht.

^hapeh drhhm ta `h kfvaevhm ds eaf ds kt wdsf‛t ihhtkf gar ihhtkfs sdch.

Dee praghsskafdes stdthm tkih paar muh ta warc prhssurhs


14/38

@rdmgarm Mkstrkbt



4=

44. @uskfhss bdshs

JHDE]J @XMMKHR

\h drh warckf up ùskfhss bdshs wktj tjh BBL‛s, @rdmgarm ]hdbjkf Jaspktdes FJR Gaufmdtkaf ]rust. ûèkb Jhdetj, eabde

dutjarkty, eabde baiiufkty shrvkbh pravkmhrs kf tjh drhd. (D mrdgt bastkf dfm mhekvhry iamhe ks kf dpphfmkx =). ]jh

ùskfhss aptkafs drh mhtdkehm `heaw.

@XRKFHRR IAMHEEKFL? Dppradbj 4

Mhvheap Jhdetj @ummkhs

strdthly ta dbjkhvh £404,82:

ùmht (40 iaftjs

pratatyph)

Fhatkdth wktj BBL Mkstrkbt

dfm @rdmgarm ]hdbjkf

Jaspktdes FJR ]rust

Rtdflfl tkih

kfgaridtkaf

Payms Rhfkar Ehdmhrsjkp

]hdi

24st Idy 0>48

Phbrukt Baarmkfdtar Brhdth Oa` mhsbrkptkaf dfm

phrsaf sphbkfflbdtkaf

Xfmhrtdch shehbtkaf dfm

rhbruktihft prabhss

Xfmhrtdch kfmubtkaf prabhss

Rtd tkih

Gkfdfbh


]hdi wktj rhprhshftdtkvh ag

Lavhrfdfbh raup

Idy/Oufhe 0>48

]rdkfkf Mhskf Jhdetj @ummkhs

]rdkfkf prardiih tasuppart vaeufthhr

mhvheapihft

]kih

Kfgaridtkaffflfdfbh

^raohbt Baarmkfdtar, Payms

Rtd dfm ^drtfhr Dhfbyihi`hrs

Dprke/Idy/Oufh

0>48

Phbrukt Jhdetj @ummkhs 7 Brhdth Oa` mhsbr kptkaf dfm

phrsaf sphbkfflbdtkaf

Xfmhrtdch shehbtkaf dfm

rhbruktihft prabhss

Xfmhrtdch kfmubtkaf prabhss

Rtd tkih

Gkfdfbh


]hdi wktj pdrtfhr dhfbkhs

Oufh/Ouey/Dul 0>48

Dbtkvkty ̂ rardiih gar

Jhdetj @ummkhs

Mrdw tahtjhr d baarmkfdthm

dppradbj ta prardiih

dbrass fhtwarc ag suppart

]kih

kfgaridtkaf

^raohbt Baarmkfdtar dfm

^drtfhr dhfby ihi`hrs

Idy/Ouey 0>48

Phghrrdes Mhvheap sklfpastkfl/ rhghrrde

systhi gar kfvaevkf eabde

phapeh kf prabhss

]kih ^raohbt Baarmkfdtar

^drtfhr dhfby ihi`hr

Dulust/Rhpthi`hr 0>48

Phbrukt dfm ]rdkf =8

Waeufthhrs

Mrdw up Waeufthhr raeh

mhsbrkptkaf Dmvhrtksh raeh

eabdeey Kfthrvkhw vaeufthhrs

Kipehihft vaeufthhr trdkfkf

prardiih

]kih

Gkfdfbh

^raohbt Baarmkfdtar

^drtfhr dhfby ihi`hr

Duust 0>48

PHRAXPBHRDB]KAFDPHD @[ \JA \JHF


15/38

@rdmgarm Mkstrkbt



48

PKRC DFDE[RKR ag dppradbj 4

Ihmkui

BBL/jaspktde trust gdke ta

kvh gufmkf

Xfd`eh ta prabhhm wktj

^raohbt

Eaw/ihmkui Gufmkf Rtrdthy Ru`ikt Fhw

Gufmkf Dppekbdtkafs MAJ

kffavdtkaf rdfts

Jkj

Payms stdflfl kfvaevhihft

Avhrstrhtbjkfl stdflfl

rhbaursh

iIhmkui Mrdw af pdrtfhr dhfby

suppart

Hfsurh dvdked`kekty ag suppart

grai pdrtfhrs dhfbkhs ta

suppart/suppehihft BBL,

]hdbjkf Jaspktde trust dfm

pdrtfhr stdflfl

Jkj ehvhe ag vaeuftdry

dhfby baiiktihft

Avhrstrhtbjkf

bdpdbkty

Ihmkui Edrh paae ag dhfby

suppart ta mrdw af

Bedrkty ag tjh pathftkde

suppart fhhmhm ta hfsurh

praohbt ihhts autbaihs

Gdkeurh ta rhbrukt vaeufthhrs Bdpdbkty ta mhekvhr shvhrhey

rhmubhm

Ihmkui Mrdw af suppart grai

hxkstkf vaeufthhrs

Eaac ta vaeufthhr rhghrrdes

grai d vdrkhty ag dhfbkhs h.

Waeufthhrkf @rdmgarm Fhw

Jarkzafs

Gdkeurh ta rhbhkvh rhghrrdes Autbaih kipdbt Eaw Xsh ag ihi`hr fhtwarcs Baarmkfdtar ta garh ekfcsdbrass d vdrkhty ag dhfbkhs

ta kfgari rhghrrde prabhss

^PA@D@KEK][KI^DB]PKRC MHRBPK^]KAF HZKR]KFL BAF]PAER DB]KAF PHTXKPHM


16/38

@rdmgarm Mkstrkbt



47

@XRKFHRR IAMHEEKFL? Dppradbj 0

Phghrrdes

(0>>)

Mhvheap baarmkfdthm

dppradbj ta rhghrrdes

diafst fhtwarc ag suppart

dfm pu`ekb shbtars dhfbkhs

]kih

kfgaridtkaf

Dee eabde dhfby pdrtfhrs Ouey /Dulust0>48

Waeufthhrkf Kmhftkgy 0> eabde vaeufthhrs

wkeekf ta hfd`eh 0>> eabde

rhskmhfts ta ufmhra

Mhvheap trdkfkf ta suppart

tjks dbtkvkty

Xsh kfga grai

Bdipdkf

ddkfst

Eafhekfhss

Dee eabde dhfby pdrtfhrs Ouey 0>48

Dbtkvkty ^rardiih gar eabde

rhskmhfts

Mrdw tahtjhr d baarmkfdthm

dppradbj ta prardiih

dbrass fhtwarc ag suppart

]kih

kfgaridtkaf

Rtd dfm ^drtfhr dhfby

ihi`hrs

Oufh/Ouey /Dulust0>48

Dsshssihft taae Mhvheap skipeh ̀ dshekfh

kfmkbdtar dsshssihft taae

]kih

kfgaridtkaf


ihi`hrs

Idy/Oufh 0>48

Baiiufkty

Mhvheapihft ta rdksh

dwdrhfhss ag Jhdetj

Bdrry aut aptkaf dpprdksde ag

baiiufkty dwdrhfhss

appartufktkhs

]kih

kfgaridtkaf


ihi`hrs

Abta`hr/Favhi`hr 0>48

Hvdeudtkaf Mrdw up Waeufthhr raeh

mhsbrkptkaf Dmvhrtksh raeh

eabdeey Kfthrvkhw vaeufthhrs

Xfmhrtdch 7 iaftj ^raohbt

Phvkhw

Xfmhrtdch ^raohbt hvdeudtkaf

]kih

kfgaridtkaf


ihi`hrs

Gh`/Dprke 0>47

PHRAXPBHRDB]KAFDPHD @[ \JA \JHF


17/38


18/38

4:

Dpphfmkbhs


19/38

4;Dpphfmkx 4? PA[MR EALKB IAMHE

Bafthxtude Bafmktkafs

]jh Payms drhd jds afh ag tjh jkjhst jhdetj kfhqudektkhs kf tjh bauftry dfm tjh dp ks wkmhfkf. 84% ag rhskmhfts kf tjh iast mksdmvdftdhm

RAD‛s. Ekgh hxphbtdfby ks 40 yhdrs ehss tjdf iarh duhft drhds kf tjh @rdmgarm mkstrkbt. Jhdetj kfhqudektkhs kipdbt upaf ekgh hxphbtdfby dfm

tjh qudekty ag ekgh gar phapeh ekvkf wktj kee jhdetj ar bjrafkb bafmktkafs. Jkj ehvhes ag pavhrty hxkst ehdmkf ta paar ekghstyeh bjakbhs, ehdmkf ta

kfbrhdshm rkscs ag mkd`hths dfm saih typhs ag bdfbhr.

Chy ̂ aekby Bafmktkafs

Fhw BBL‛s jdvh `hhf garihm dfm jdvh ta hfdh pdtkhfts eabdeey kf mhbkskaf idckf. ]jh systhi ks ffdwhm ds tjhy drh ufdèh ta sphdc ta

dfm hfdh wktj hdsy ta kfarh raups. ûèkb Jhdetj ikrdthm ta eabde dutjarkty baftrae, ùt gufms drh ufmhr prhssurh muh ta buts wjkbj mahs

fat hfbaurdh kffavdtkaf. \hegdrh rhgari kipdbts af tjash wktj tjh paarhst jhdetj bduskf gurtjhr kfhqudekty. Bjkem pavhrty. Kftramubtkaf ag

Xfkvhrsde Brhmkt wkee jdvh d mrdidtkb hhbt kf tjh drhd

^rardiih aòhbtkvhs

@htthr mhbkskaf idckf `y eabde

rhskmhfts ag wjhrh, wjhf dfm jaw

ta dbbhss jhdetj shrvkbhs.

Df kfbrhdsh kf ush ag eabde tjkrm

shbtar mhekvhry ̀ y jhdetj

praghsskafdes wktj warckf

iamhes ag ba-mhskfhm dfm ba-

brhdthm eabde jhdetj shrvkbhs.

Bjdfh dfm mksphe aem ikfm shts

tjdt tjkfs bdf‛t bjdfh diaf

àtj tjh baiiufkty dfm tjh

jhdetj praghsskafdes `y

mhvheapkf fhw pdrtfhrsjkps.

Kipravhm mdtd dbbhss `htwhhf

bekfkbkdfs dfm pdrtfhrs gar tjh

`hfhfflt ag pdtkhfts

Pdtkafdeh

]jhrh drh iuetkpeh bdushs ag

jhdetj kfhqudekty kf tjh drhd dfm d

pavhrty ag dspkrdtkaf dfm

di`ktkaf.

@y ̀ rkfkf pravkmhrs dfm pdtkhfts

tahtjhr kf ihdfkfgue wdys tjhy

bdf ̀ htthr ufmhrstdfm hdbj atjhrdfm ba-mhskf ̀ htthr shrvkbhs tjdt

wkee ̀ h ushm ̀ y iarh phapeh grai

tjh tdrht raup ta dmmrhss jhdetj

dfm whee`hkf.

Idppkf dfm hfbaurdkf eabde

tjkrm shbtar pravkskaf ̀ rkfs

shrvkbhs beashr ta eabde phapeh,

dfm bdf hfdh iarh hhbtkvhey.

Jhdetj ̀ ummy raeh iamhes ̀ dshm

af sjawkf wjdt ̀ ummkhs jdvh

ehdrfhm praiaths hfdhihft

dfm sheg-bdrh, dfm dmmrhsshs

pavhrty ag dspkrdtkaf dfm di`ktkaf

Kfputs

BBL pdtkhft hfdhihft

Ba-armkfdtar (dpp.£7c)

Pkmh prdbtkbh idfdhr

(dpp. £8c)

ED wdrm pedffkf thdi (dpp.£8c)

Payms BHA (dpp.£7c)

Waeufthhr tkih (dpp.£8c)

Rheg-bdrh dwdrhfhss hvhfts BWM

mkd`hths htb(dpp.£48c)

8>>> ehdffhts af mkd`hths dfm

BWM kfta rhskmhft‛s jaihs kf pkeat

drhd

^dtkhft bafshft garis

BBL dfm Jaspktde trust ̀ km ta

mhvheap d jhdetj ̀ ummy

prardiih - D vaeufthhr

Ba-armkfdtar gar jhdetj ̀ ummkhs

dfm ̀ ummy trdkfkf (dpp. £408c).

Dbtkvktkhs

0 x ba-mhskf warcsjaps wktj

jhdetj praghsskafdes dfm pdtkhfts

Wkmha mkdrkhs ta bdpturh typkbde ekgh

hxphrkhfbhs ag gabus raups.

Xskf eabde bjdipkafs ta gasthr

`htthr ufmhrstdfmkf ag chy kssuhs

subj ds mkd`hths

Kfbrhdskf eabde di`ktkaf draufm

tdckf baftrae ag awf jhdetj

D baiiufkbdtkafs strdthy gar

Payms Aur ̂ edbh kfbeumkf

rhskmhfts kfbeumkf ]wktthr

0 x pdtkhft sheg-bdrh dwdrhfhss

warc sjaps

Rtdrt rhbruktihft ag rhskmhft

pdtkhft vaeufthhrs ta ̀ hbaih

jhdetj ̀ ummkhs.

Pdkshm dwdrhfhss ag d ‚sidee sthps‛ dppradbj ta dmaptkf d

iarh jhdetjy ekghstyeh dfm tjh pathftkde ̀ hfhfflts gar

rhskmhfts dfm tjhkr gdikekhs.

Eawhr jhdetj dspkrdtkaf dmmrhsshm tjrauj ̀ htthr dfm

iarh sustdkfhm hfdhihft.

Phskmhfts ghhe tjhy jdvh d rhdthr sdy kf eabde jhdetj

shrvkbh mhekvhry.

@htthr ufmhrstdfmkf dfm dpprhbkdtkaf ag rhskmhft‛s fhhms

dfm pathftkde saeutkafs ̀ htwhhf pdrtfhrs dfm rhskmhftsehdmkf ta trkde dfm thstkf ag fhw dppradbjhs.

Payms ̀ htthr pedbhm ta gdbkektdth jhdetj kfktkdtkvhs dfm

`rkmh tjh dp ̀ htwhhf pdtkhft dfm praghsskafde dfm d chy

pedyhr kf pravkmkf up ta mdth jhdetj bdrh kfgaridtkaf.

kipravhm eabde ORFD mdtd

% rdkshm dwdrhfhss ag phrsafde jhdetj dfm sheg-bdrh

idfdhihft.

Kfbrhdshm pdtkhft/rhskmhft pdrtkbkpdtkaf kf dbbhsskf dfm

mhskfkf eabde jhdetj shrvkbh mhekvhry

Kfbrhdshm pdtkhft/rhskmhft pdrtkbkpdtkaf kf dbbhsskf dfm

mhskfkf eabde jhdetj shrvkbh mhekvhry.

Phmubtkaf kf L^ vkskts

Phmubtkaf kf jaspktde dmiksskafs dfm dtthfmdfbh dt

Dbbkmhft dfm Hihrhfby

Phmubtkaf kf fhw mkdfasks ag mkd`hths dfm bdrmka-vdsbuedr

mkshdsh

Kfbrhdsh kf ehvhe ag sheg-rhparthm whee-`hkf

Kipravhihft kf hipeayihft rdths ehdmkf ta rhmubtkaf kf

gdikey pavhrty dfm kee jhdetj

Autputs

4>>> jaihs rhbhkvh kfgaridtkaf

rh bdrmka vdsbuedr mkshdsh dfm

mkd`hths.

^dtkhft bafshft gari mhskfhm

dfm drhhm ̀ y praghsskafdes.

8% ag pdtkhfts kmhftkfflhm dt rksc

tjrauj rksc strdtkfflbdtkaf warchm

wktj (dpp. 78 pdtkhfts)

Dppraxkidthey 8> phapeh tjrauj

jhdetj IA]s

êdf ta rhbrukt 7 Jhdetj @ummkhs ta

`h trdkfhm.

Mabuihfthm pkeat gar rhffhbtkaf

dfm ehdrfkf

Kfthfmhm autbaihs2 yhdr tdrht

Kfthfmhm Kipdbts


20/38

@rdmgarm MkstrkbtBekfkbde Baiiksskafkfl Lraup

@rdmgarm ]hdbjkfl Jaspktdes


0>

Dpphfmkx 0? WAEXF]HHP GABXR LPAX^ D] PA[MR AXP ÊDBH

\h jdvh hfeksthm vaeufthhrs grai tjh baiiufkty wja drh kfthrhsthm kf tjh jhdetj dhfmd ta ̀ h kfvaevhm kf sjdpkf tjhbafsuetdtkaf kf armhr gar kt ta `h d ihdfkfgue hxphrkhfbh. \h jdm d gabus raup ag eabde phapeh wjhrh wh dtjhrhm apkfkafs

af wjkbj wds tjh `hst wdy ta a dàut dtjhrkf kfgaridtkaf tjdt wauem ̀ h ihdfkfgue dfm fat ―ma kt ta bafsuetdtkaf’ ]jhrh

whrh shvhrde pakfts ag vkhw dfm ekvhey mh`dth.

Chy pakfts ldtjhrhm? Gabus Lraup Aur êdbh ‒0>4=

Fdih DLH MA@ âst Bamh

E M Pamrka 20

] ûrod =4

J ]amm :8 >;.>7.0; @M40 ;TJ

^ ]amm :7 48.40.0: @M40 ;TJ

^dt \ 7: 0>.>:.=7 @M< =PF

Jdraaf P 20 20 @M2

@rkdf I =< 48.4>.7< @M= :^H

Mr Dehb ^ .>4.8= @M40 ;@Z

Jhehf G =4 4;.>:.


21/38

@rdmgarm Mkstrkbt



04

Garui ta mksbuss tjh gaeeawkfl quhstkafs?

4. \jdt ma yau `hekhvh ks bduskf Jhdetj kfhqudektkhs1

0. Jaw ma yau tjkfc pdtkhfts hfdh wktj Jhdetj Rhrvkbhs whee1 ar fat sa whee11

\hebaih grai Mdvkm dfm `rkhg kftramubtkaf kfta wjy wh whrh dee iht dfm wjdt tjh `khr pkbturh wds wktj rhdrms ta

afakf mkdeauh htb `htwhhf jhdetjbdrh praghsskafdes dfm tjh hfhrde puèkb. Gabus af fhw prardiihs dfm mhekvhry

wjhrh Baiiufkty jdvh d sdy. Eaackf dt fhw wdys ta ba-mhskf shrvkbhs tjdt drh iarh dbbhsskèh ta tjh baiiufkty.

Jhepkf phapeh wja stdy dwdy grai L^ surhrkhs ta hfdh wktj jhdetj ̀ hgarh kt ks hxphfskvh dfm shrkaus keefhsshs tjdt drh

bastey ta trhdt dfm qudekty ag ekgh ks dmvhrshey dhbthm.

Kftramubtkafs whrh idmh.

Geaar aphfhm ta grhh mksbusskaf ̀ y dee phrsafs prhshft.

Tuhstkaf 4

âvhrty ‒ bafbhrfs rhdrmkf darmd`kekty ag futrktkaus dfm jhdetjy gaams vs tjh dvdked`kekty dfm eaw bastkf ag oufc gaams.

Muty ‒ baipdrksafs mrdwf ̀ htwhhf hfhrdtkafs wktj tjh aemhr hfhrdtkafs jdràurkf d muty ag bdrh tawdrms fhkjàurs

dfm rhedtkvhs kf tkihs ag fhhm vs phrbhkvhm edbc ag sheffhssfhss kf tamdy‛s sabkhty.

]jh Garui


22/38

@rdmgarm Mkstrkbt



00

Hmubdtkaf ‒ avhrdee apkfkaf tjdt iarh gabus sjauem `h put upaf hmubdtkf bjkemrhf rhdrmkf vdeuh ag `dedfbhm mkht, jaw ta

prhpdrh wjaehsaih ihdes dfm tjh `hst wdy ta idch tjh iast ag wjdt yau jdvh.

Bafguskaf ‒ bafstdftey bjdfkf prhss rhehdshs wjkbj bjdeehfh jaw wh vkhw gaams dfm rhbaiihfmdtkafs takfbrhdsh/mhbrhdsh aur kftdch kh. @hfhfflts ag rhm wkfh dfm ùtthr

Pkskf ekvkf basts - paarhr jaushjaems wja dbtkvhey jdvh ta bjaash ̀ htwhhf jhdetjy grhsj gaams dfm ̀ dskbs subj ds

jhdtkf, ruffkf d grkmh, behdfkf pramubts ta ehsshf sprhdm ag `dbthrkd dfm beatjkf htb.

Kfmustry ‒ dwdrhfhss ag baftdikfdtkaf dfm dkr paeeutkaf kf jhdvkey brawmhm drhds.

Edàur ‒ baipdrksafs idmh ̀ htwhhf pdst hfhrdtkafs ag pjyskbde edàur vs mhsc oa`s dfm raàt dsskstdfbh.

Jkstary - tjh dgthridtj ag jdrm take, bade must, ds`hstas dfm lhfhrde warckfl/ekvkfl bafmktkafs wjkbj idfkghst kf edthr ekgh ds

mkshdsh htb gar aemhr pdtkhfts

Bdrhhr ‒ a`shrvdtkafs idmh tjdt iarh di`ktkaus dfm subbhssgue phapeh thfm ta tdch ̀ htthr bdrh ag tjhishevhs ̀ y hdtkf

whee dfm dtthfmkf yis vs ufiatkvdthm phapeh wja drh sdtksfflhm ta fhehbt hxhrbksh dfm hdt oufc gaam.

^rkarktkhs ‒ kfmkvkmudes wja vdeuh bkdrhtths dfm debajae avhr d mhbhft ihde dfm beatjkf.

Phvhfuh ‒ `hfhfflts ta tjh Fdtkafde ]rhdsury `y deeawkf sdehs ag jdrigue aams k.h. bkdrhtths dfm debajae

Tuhstkaf 0

]rust ‒ pdtkhfts dutaidtkbdeey trust praghsskafdes kf iast bdshs sa tjhy ma fat hfdh jhdvkey wktj tjhi

]dch jhdetj gar rdfthm ‒ pdtkhfts bdf iksush tjhkr àmkhs dfm stkee mhidfm/hxphbt tjh jhdetj shrvkbhs ta fflx tjhi

L^ mhphfmdft ‒ pdtkhfts rhdmkey dbbhpt prhsbrkptkafs grai L^s dfm hxphbt ta `h kvhf ihmkbdtkafs upaf vksktkf L^s. Kg L^s

whrh ta hxpedkf bafmktkafs, bdushs, prhvhftdtkvh ihdsurhs dfm burhs ta pdtkhfts kt wauem hfdèh tjhi ta eaac dgthr tjhishevhs

`htthr. L^s fhhm ta sphdc ta pdtkhfts ds kg tjhy drh phapeh wja ikjt whee ufmhrstdfm rdtjhr tjdf kmkats wja maf‛t.

Iamhrdtkaf ‒ hfbaurdh phapeh ta jdvh d ektteh ag dee gaam raups kfsthdm ag bjdipkafkf mkhts wjkbj ksaedth dfm rhiavh

kfmkvkmude gaams. ]jks sjauem jhep hipawhr mkhthrs ta idch d phridfhft mkhrhfbh dfm idfdh tjhkr jhdetj `htthr.

\dktkf tkihs ‒ ta àac d L^ dppakftihft kf dmvdfbh bdf tdch up ta 0 whhcs dfm saihtkihs iaftjs kf tjh bdsh ag

dppakftihfts gar sphbkdekst trhdtihft.

Hmubdtkaf ‒ idfy pdtkhfts ma fat cfaw tjhkr Pkjts.

Phuedthm bjhbcs ‒ fa L^ surhry shhis ta warc tjh sdih kh dppakftihft tkihs, aut ag jaurs shrvkbhs

^rhssurh dfm ]drhts ‒ dbcfawehmlihft ag jaw mkflbuet kt ks gar L^s dfm praghsskafdes wktj tkljt tkihsbdehs kf wjkbj ta shh,

mkdfash dfm trhdt pdtkhfts. Ehdmkf ta iksmkdfasks, avhrihmkbdtkaf, edbc ag rhvkhws dfm strdkf af rhsaurbhs.


23/38

@rdmgarm Mkstrkbt



02

Edfudh ̀ drrkhrs ‒ edbc ag rhdmkey dvdkedèh kfthrprhthrs kf L^ surhrkhs ehdmkf ta baiiufkbdtkaf edpshs, L^s fat gueey

ufmhrstdfmkf pdtkhft bkrbuistdfbhs dfm pdtkhfts fat ufmhrstdfmkf L^s hktjhr

^rhssurh af L^s ‒ sphbkfflb prhssurh grai pdtkhfts dfm Lavhrfihft ehdmkf ta quhstkafs draufm idfpawhr wktjkf graftekfhshrvkbhs dfm fui`hr ag bekfkbs vs papuedtkaf dfm mhidfm

Kfmkvkmude phrbhptkaf ‒ pdtkhfts wja vkhw tjhkr awf bkrbuistdfbhs mkhrhftey muh ta hmubdtkaf, gdikey vdeuhs, prkarktkhs wktj

iafhy dfm tkih k.h. afh phrsaf idy fat tjkfc twkbh `hgarh vksktkf L^ wktj d baem wjhrhds dfatjhr ikjt try ta rhihmy kt

tjhishevhs ar fat hvhf dbcfawehmh kt ds d praèhi

Dbbhss ‒ kssuhs surraufmkf bekfkb aphfkf tkihs dfm mkstdfbh ta `h trdvheehm gar L^s. Iarh surhrkhs fhhm ta eaac dt

dppakftihft tkihs sukthm ta tjash wja warc dwdy grai jaih. L^s dbbhpt pdtkhfts kf rhedtkaf ta wjhrh tjhy ekvh ùt tjhy idy

trdvhe kf hxbhss ag df jaur ta lht ta warc sa bekfkbs wjkbj aphf :di ta 8pi garbh phapeh kfta tdckfl vdeudèh tkih a warc.

Idrchtkf dfm Dmvhrtkskf ‒ quhstkafs rdkshm rhedtkf ta puttkf prhssurh af suphridrchts dfm kfmustry ta hipjdsksh

jhdetjy ekvkf pramubts, gaam dfm ekghstyeh aptkafs kf tjhkr dmvhrtkskf rdtjhr tjdf oufc gaams htb

Wuefhrd`kekty ‒ phapeh ma fat dewdys cfaw wjhrh ta ht jhep ar wjdt jhep ks dvdkedèh ta tjhi sa tjhy baftkfuh ta `h

uftrhdthm ar tjhy dtthfm jaspktdes dfm put strdkf af tjh hihrhfby Mabtar shrvkbhs tjhrh

Rabkde kssuhs ‒ Mabtars saihtkihs jdvh ta mhde wktj pdtkhfts wja wauem ̀ h ̀ htthr shrvhm `y d Rabkde \archr ar atjhr

dsskstkf àmy sa tjhkr tkih ds d ihmkbde praghsskafde `hbaihs mkeuthm dfm tjhy jdvh ta dsshss wjkbj shrvkbh pdtkhfts

dbtudeey rhqukrh

Kiikrdtkaf ‒ tjh rhkftramubtkaf ag ]@ jds baih tjrauj grai atjhr bauftrkhs wjhrh kiiufksdtkaf mahs fat tdch pedbh ds

d idtthr ag rautkfh kf sbjaaes htb

Hfbaurdhihft ‒ mksbusskaf avhr tjh kipartdfbh ag Wktdikf M gar ̀ afh strubturh dfm tjh edbc ag hftjuskdsi kf baiiufk-

tkhs gar autmaar dbtkvktkhs. Lhfhrdtkafde mkhrhfbhs jkjekjthm ddkf jhrh k.h burrhft bjkemrhf jdvh gdr iarh hfthrtdkfihft

aptkafs dvdkedèh wktjaut jdvkf ta ehdvh tjh jaush

Mrap kf bhftrhs ‒ bafbhrfs rdkshm tjdt grhh shrvkbhs dfm mrap kfs thfm ta `h idffhm `y schehtde praghsskafdes dfm d

idoarkty ag vaeufthhrs sa tjhy dbt ds d mkvhrt gar shrvkbhs ùt fat d rhpedbhihft

Dwdrhfhss ‒ iarh bdf `h mafh ta skfpast wjkbj shrvkbhs drh dvdkedèh gar pdtkhfts. Kg phapeh whrh iarh kfgarihm, tjhy

wauem `h dèh ta a mkrhbt ta tjh shrvkbh tjhy fhhm rdtjhr tjdf beakf up tjh graft ekfh dfm L^ seats

@hjdvkaurs ‒ ihmkbde thrikfaeay iust `h idmh trdfspdrhft sa pdtkhfts bdf ufmhrstdfm tjhkr sktudtkaf `htthr. ^dtkhfts

iust fat ghhe prhssurkshm kfta suìksskaf kg trhdtihft ks fat shhikf rkjt ta tjhi, tjhy sjauem `h dèh ta dsc gar d shbafm

apkfkaf wktjaut prhoumkbh. ―]jh Mabtar iust ̀ h rkjt’ ̀ hekhg systhi jds ehm ta syiptais ̀ hkf ufmksbavhrhm ar ufihf-

tkafhm ̀ hbdush tjh pdtkhft jds ghet ufmhr prhssurh.

Phbhptkaf kf L^ surhrkhs ‒ rhbhptkaf std drh bjdeehfhm ta ―fflhem’ pdtkhfts wjhf bekfkbs ̀ hbaih guee ̀ ut tjhy drh fat

trdkfhm kf pdtkhft mkdfasks. Mhihdfaur tawdrms phrsksthft pdtkhfts bdf ̀ h mksrdbhgue dfm pdtkhfts drh idmh ta ghhe ekch

ekdrs dfm tkih wdsthrs.


24/38

@rdmgarm Mkstrkbt



0=

@eaam mafdtkafs ‒ edbc ag `eaam typhs fhbhssdry gar sphbkfflb ikfarktkhs kf bktkhs kh. @+ gar phapeh ag Kfmkdf jhrktdh wktjkf@rdmgarm (detjauj fa hvkmhfbh atjhr tjdf jhdrsdy wds pravkmhm ta `dbc up tjh bedki tjdt dee Kfmkdf phapeh jdvh typh @+ `eaam)

Bafbeuskaf dfm tjdfcs gar pdrtkbkpdtkaf grai Mdvkm, hvhf tjauj fat dee quhstkafs whrh mksbusshm muh ta tkih. ^drtkbkpdfts

whrh dschm hfhrdeey kg tjhy wauem `h wkeekf ta tdch pdrt kf gurtjhr hfdhihft dfm garuis dfm dee drhhm tjhy wauem.


25/38


26/38

@rdmgarm Mkstrkbt



07

• Ks tjhrh sbaph gar tjh Eabde Baufbke ta `h iarh hfldlhm1

• Laam ush ag phhrs ta praiath tjh ihssdlh dfm jhep phapeh fflfm d vakbh

g. Kipehihftdtkaf pedfs?

• Eaflhr thri pedfs gar kipehihftdtkaf ‒eaackfl dt d vhry baipehx drhd dfm bjdflkfl bueturh wktj tjh passk`kekty

ag kt tdckf 0> yhdrs ta shh tjh rhsuets

. Phsaurbhs?

• Phdeklfkfl ̀ umlhts/rhsaurbhs ks `hkfl mksbusshm wktj tjh BBL dfm wkee fhhm thdskfl aut.

Avhrdee baiihfts?

• ]jh ^dfhe ghet tjdt tjks ks d wartjwjkeh ùt vhry bjdeehflkfl drhd ta warc kf. ]jh mksbusskafs dt yaur prhshftdtkaf

lhfhrdthm eats ag quhstkafs, ùt kt wds d `kt iarh mkflbuet ta fdke mawf dfswhrs gar hxdipeh3 jaw ma yau hfldlh

wktj tjh ‚jdrm ta rhdbj‛ ar ihdsurh pdtkhft hxphrkhfbh1 Jaw ma wh ufmhrstdfm tjh bjdfhs phapeh wjdt ta shh1

Jaw ma yau ush bjdfh ta warc `htthr1

• Idrldrht ahrhm ta sjdrh jhr ehdrfkfl grai warc wktj FJR

• Chy Bjdeehflh? mksbaffhbt `htwhhf BBL kfktkdtkvhs dfm prdbtkbh idfdlhr‛s dbtkafs

• Bdrhgue dàut thrikfaealy subj ds ‚jdrm ta rhdbj‛

• Fhhm ta mhfflfh strdthly dfm aphrdtkafde pedf

• Rabkde Kfvhstihft @afms ‒ sphdc ta Mdf (ELD) & Bd`kfht Aflbh

• Kg yau bdf lht tjks rkljt, dfm `h subbhssgue tjhrh ks pathftkde ta `h raeehm aut fdtkafdeey

• Dee @rdmgarm drhds ta sjdrh ehdrfkfl ds warckfl af mkhrhft dsphbts ag jhdetj

Jdvkf rhffhbthm af tjh ghhm`dbc dfm drhhkf tjh ihrkts ag tjh vkskaf ̀ hkf juh wh jdvh bafbhftrdthm aur harts kf

mhvheapkf df hfdhihft dfm hdrey wdrfkf systhi gar tdbcekf jhdetj kfhqudektkhs kf bafsuetdtkaf wktj tjh BBL pdrtfhrs

wh drh pusjkf af kf mhvheapkf JHDE]J @XMMKHR ds d baiiufkty hfdhihft dfm sabkde prhsbrk`kf ‚wktj d mkhrhfbh‛

iamhe.

\h drh warckf wktj pdrtfhrs ta mhvheap saih bast ̀ hfhfflt hvkmhfbh ta oustkgy rhmkrhbtkaf ag gufms ta pkeat Jhdetj @ummkhs.


27/38

@rdmgarm Mkstrkbt



0<

Dpphfmkx 8? LAWHPFDFBH R]PXB]XPH

Dpphfmkx 7? JAXRH AG BDPH

Payms ehdmardfksdtkaf

Jhdetjdbtkvksts

[autj\archr

BBLehdm

^u`ekbjhdetj

WBRrhas

Phskmhftrhps

BekfkbdeHhbtkvhfhss

^dtkhftRdghty

^dtkhftHxphrkhfbh

Tudekty Rhrvkbhs

Kmhde jaush ag bdrh

Bekfkbde

Hhbtkvhfhss

^dtkhft

Rdghty

^dtkhft

Hxphrkhfbh

T u d e k t y R h r v k b h s

mdidhm jaush ag bdrh iamhe

Jaush ag bdrh?

Jkj qudekty bdrhLaam Rhrvkbh?

dbbhss + eksthfkf + ufmhrstdfmkf 9 hxphrkhfbh


28/38


29/38

@rdmgarm Mkstrkbt



0;

\h dtthfmhm 2 L^ surhrkhs dt aur L^ prdbtkbh pdrtfhrs tjh Pkmh.

\h jdm kfthrvkhws afh ta afh wktj pdtkhfts grai tjh eabde drhd.

]jh iast autstdfmkf kssuh wds httkf dppakftihfts wjhf fhhmhm, saih pdtkhfts jdm `hhf wdktkf = whhcs ta ht df

dppakftihft, saih jdm idmh avhr 0>>+ bdees ta ht tjrauj ta saihafh.

Rtd dttktumh wds df kssuh kf tjdt phapeh tjaujt tjh dttktumh wds paar dfm ikmmeh bedss tdeckf mawf ta tjhi.

Xrhft bdshs whrh fat `hkf mhdet wktj ds d bjkem pdtkhft jdm `hhf ffdhm ds df urhft bdsh wktj tjh bjkem jdvkf shpsks dfm

mhsbrk`kf d `dtteh ta jdvh jhr bjkem shhf `y d L^.

Avhrdee pdtkhfts drh jdppy wktj tjh shrvkbh afbh tjhy ht ta tjh L^ dfm drh pehdshm wktj tjh bdrh sjawf, kt ks oust tjh strueh

ta ht pdsshm tjh rhbhptkafkst wja ks dbtkf ds d dth chhphr.

]jhrh ks bafbhrf dt tjh @utthrsjdw prdbtkbh wjhrh ]jh rkmh taac avhr ruffkf tjh shrvkbh dàut 48 iaftjs da tjdt tjh pedbh

wds fat ds grkhfmey dfm tjdt rhluedrey kf dee ckfms ag whdtjhr aemhr phapeh dfm pdrhfts/bdrhrs jdm ta wdkt autskmh grai ta

lht df dppakftihft grai :.48 wjhf tjh surlhry aphfhm. ]jh pdtkhfts ghet tjhrh wds fat d bafbhrf dàut pdtkhft‛s whee`hkfl

dfm tjks wds mhiafstrdthm wktj shvhrde baiihfts murkf kfthrvkhws rhdrmkf dttktumhs ag std tdeckf mawf ta pdtkhfts.

]jh dppakftihft systhi kf tjh apkfkafs ag tjh pdtkhfts fhhmhm d rhvkhw ds saaf ds passkèh.

Kf tjh apkfkaf ag tjh kfthrvkhwhrs 2>% ag tjh pdtkhfts kfthrvkhwhm bauem jdvh afh ta pjdridby ar idfdhm awf jhdetj

wktjaut tjh dkm ag d Lhfhrde ^rdbtktkafhr.

Kssuhs wktj L^ surhrkhs

Dppakftihfts

Rtdflfl

Rtd dttktumh

Eabde jhep

Bjkem tax àx

êhdshm wktj FJR


30/38

@rdmgarm Mkstrkbt



2>

08% ag rhspafmhfts jdm bafskmhrhm akf ta D&H rdtjhr tjdf fat `h shhf `y d Mr, detjauj tjhkr dkeihfts whrh rhedtkvhey

ikfar dfm bauem jdvh ̀ hhf idfdhm kf atjhr wdys rdtjhr tjdf sphfmkf L^ tkih.

Hmubdtkaf ag uskf pjdridby dfm atjhr ehss bastey ihdfs ag trhdtihft kh eabde suphridrcht bauem jhep rhmubh tjh ffaw agpdtkhfts kf L^ surhrkhs.

Dpphfmkx :? JHDE]J IA] JHDE]J[ EKGHR][EHR

Hvdeudtkaf ag Jhdetj Bjhbcs gar Payms

Rjdraf Pusjwartj? Jhdetjy Ekghstyeh Raeutkafs BKB

Jhdetj IA] Bjhbcs tdchf avhr 0 mdys kf @M= 44tj dfm 40tj Gh`rudry 0>48

2< dtthfmhm? 44 ideh dfm 07 ghideh

Dh rdfhs? 48 ‒ 0> 9 0

24 ‒ 28 9 2

=7 ‒ 8> 9 2

84 ‒ 88 9 2

87 ‒ 7> 9 2

74 ‒ 78 9 2

Phghrrdes gar bekfkbde suppart

Aut ag tjh 2< wja dtthfmhm?

2 phapeh whrh rhghrrhm ta tjhkr L^ gar Jkj @eaam ^rhssurh

7 phapeh whrh rhghrrhm kfta atjhr jhdetj praohbts kf tjh eabdekty

@IK rhsuets?

Xfmhrwhkljt? 0

Faride whkjt 7Avhrwhkljt? 44

A`hsh? 47

Hxtrhih a`hskty? 0

77 ‒ 9 <


31/38

@rdmgarm Mkstrkbt



24

Kt ks kfthrhstkf ta fath tjdt 0; phapeh drh avhrwhkjt, a`hsh ar hxtrhihey a`hsh dfm yht kf tjh quhstkaffdkrh dàut tjhkr ekgh

styeh (`heaw), tjh idoarkty ag phapeh jdm tjh phrbhptkaf tjhy jdm df dbtkvh mdkey ekgh dfm d jhdetjy mkht.

Df dbtkvkty ta sjaw phapeh tjh debajae ufkts tjhy mrkfc kf d whhc wds subbhssgue ds phapeh whrh surprkshm jaw idfy ufkts

tjhy dbtudeey mrkfc.

Rehhp dfm ihftde jhdetj drh beashey ekfchm dfm iarh phapeh jdm praèhi wktj tjhkr sehhp tjdf siachm. ]jks ks df drhd

wjkbj ks ufmhrgufmhm, detjauj wh jdvh ushm d sehhp tjhrdpkst gar warcsjaps kf sbjaaes wjkbj whrh vhry papuedr.

]wa phapeh wja whrh ‚mhfflfkthey‛ akf ta dtthfm tjh Edtkf Guskaf mdfbh hxhrbksh bedss, mkm fat turf up. Kt ks hdsy gar phapeh

ta sdy tjhy wkee ma saihtjkf, pdrtkbkpdtkf ks d mkhrhft idtthr.

EKGHR][EH AG ]JH D]]HFMHHR

Kf mksbusskafs wktj tjash wja dtthfmhm, phapeh whebaihm tjh appartufkty ta jdvh d jhdetj bjhbc dfm kfgaride bjdt.

Df dssartihft ag jhdetj gabushm ̀ aacehts whrh dvdkedèh dfm phapeh mkm jhep tjhishevhs ta tjhsh ta rhdm edthr.

JDR D JHDE]J[ MKH]

REHH^R \HEE

BA^HR \K]J R]PHRR

DB]KWH KF MDKE[ EKGH

RIACH

MPKFCR DEBAJAE

FA

[HR

> 8 4> 48 0> 08 2> 28


32/38

@rdmgarm Mkstrkbt



20

Dpphfmkx ;? GAA]^PKF]R GDIKE[ BHF]PH

Gaatprkft gabus raup


33/38

@rdmgarm Mkstrkbt



22


]jhrh wds d aam brass shbtkaf ag pdrhft bdrhrs dt tjh gabus raup. Muh ta sfaw d eawhr fui`hr ag pdrtkbkpdfts turfhm aut.

>

4

0

2

=

8

Dhs ag gabus raup

47-08 08-28 27-=8 =7-88 87-78 78-


34/38

@rdmgarm Mkstrkbt



22


D `dedfbh ag rhfthm dfm iartdhm praphrty thfurh.

D `dedfbhm raup grai df hipeayihft phrsphbtkvh

Dbbaiamdtkaf

Phftkf

Iartdh

Ekvkf wktj pdrhfts

Hbafafaikbdeey dbtkvh

>.>

>.8

4.>

4.8

0.>

0.8

2.>

2.8

=.>

B d r h r

H i p e a

y h m P h t

k r h m

X f h i

p e a y h m

W a e u f t

h h r k f

R t u m h f

t

M k s d ̀ e

h m


35/38

Raih phapeh taac pdrt kf iarh tjdf afh hxhrbksh phr whhc. ]wa rhspafmhm wktj ektteh ar fa hxhrbksh phr whhc.

Dee wja taac pdrt mrkfc, baiiaf rhdsaf wds ta rhedx ar sabkdeey 2 dmiktthm mrkfckf iarh tjdf rhbaiihfmhm deeawdfbh ds kt

jhephm tjhi baph.

Hxhrbksh

\deckf

Bybekf

Rhmhftdry

Lyi

Behdfkf

@rdmgarm Mkstrkbt



2=

>

0

=

7

:

4>

Debajae Bafsuiptkaf

Mrkfchr Maf‛t Mrkfc Jhdvy Mrkfchr


36/38

Cfawf keefhsshs

Jkj `eaam prhssurh

Mkd`hths

Fafh

Ihftde Jhdetj

Jhdrt dttdbc

Dstjid

@rdmgarm Mkstrkbt



28

BBL Mkstrkbt, Dkrhmdeh dfm Brdvhf dfm Bkty bafsuetdtkaf hvhft ―Bjdtthr`ax’ af prkarktkhs gar Lhfhrde ̂ rdbtkbh

Baiiksskafkf, jaw L^ baiiksskafkf fhhms ta bjdfh ta `h iarh hhbtkvh.

^rhshft? L^‛s, Jhdetj Baiiksskafhrs, Furshs, ^rdbtkbh Idfdlhrs, BBL @adrm Ihi`hrs, ^^L sthhrkfl lraup ihi`hrs.

Jhdetjy mksbusskafs af jaw ta kipravh tjh L^‛s hhbtkvhfhss wktj avhr mhidfm dfm sjartdh ag bdpdbkty.

Murkf kf mksbusskafs ^rdbtkbh idfdhrs whrh mrdwf aut af jaw idfy faf- ihmkbde dppakftihfts whrh jdpphfkf

suhstkafs grai prdbtkbh idfdhrs whrh ds iubj ds 2>% gdkeurh mhidfm muh ta kssuhs subj ds mh`t ar jauskf wjhrh

pdtkhfts whrh ufmhr hfariaus strhss muh ta faf-jhdetj rhedthm bjdeehfhs kf ekgh.

DPHD 4 ]\A CH[ ^PKAPK]KHR

\h ma fhhm ta bjdfh jaw wh mhekvhr shrvkbhs

Iust jdf af ta tjh ekst `dshm systhi


Pheaac dt chy raehs

Idckf tjh barh warc dttrdbtkvh

Dpphfmkx 4>? BBL BJD]]HP@AZ HWHF] \K]J JHDE]J ̂ PAGHRRKAFDER


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@rdmgarm Mkstrkbt



27


@ukem systhis tjdt rhspafm ta pdtkhft fhhm

Hmubdth dfm hipawhr pdtkhfts ds tjhy a tjrauj tjh systhi

DPHD = ]\A CH[ ^PKAPK]KHR

Bdpdbkty ag mhekvhrkf pradbtkvh bdrh

^dtkhft hmubdtkaf - phhr ta phhr fhtwarcs


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Payms

Guturh Gkhems , @utthrsjdw

@rdmgarm @M7 2H\

]he? >40>

Gdx? >40

Hidke? rhbhptkafNrayms.arl.uc

www.rayms.ar.uc

]jdfc yau gar yaur tkih

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