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    NBGGH NHH VJD@R VGQGVYGB JI ZMW TNKR RM BMTKHMNB NKB GBJRRPR EG MV ANHH ,:6127%03>2921

    % > %JI ZMW TNKR RM BMTKHMNB R@JQ SVMOGAR R@GK RPR EG MK 3127%03>2921

    Svmogar mk

    WIMKG

    SVGSNJB

    Qwfejrrgb fz+++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++Nbggh N`gv

    Qwfejrrgb Rm ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ Qjv @nkji Q`n`nb

    Bgsnvregkr mi Enkndgegkr Qajgkagq

    KNRJMKNH WKJYGVQJRZ MI EMBGVK HNKDWNDGQ

    Qgarmv @%: Jqhnenfnb

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    NBGGH NHH VJD@R VGQGVYGB JI ZMW TNKR RM BMTKHMNB NKB GBJRRPR EG MV ANHH ,:6127%03>2921

    % 6 %JI ZMW TNKR RM BMTKHMNB R@JQ SVMOGAR R@GK RPR EG MK 3127%03>2921

    NALKMTHGBDGEGKR

    Amwkrhgqq r`nklq rm NHHN@ Nhejd`rz imv djyjkd eg qwa` gprvnmvbjknvz nfjhjrjgq

    nkb enljkd eg svjyjhgdgb gkmwd` rm rnlg snvr jk qwa` narjyjrjgq nkb nhh vgqsgarq

    nkb vgdnvbq rm @mhz Svms`gr @nvnr Ew`neenb (SFW@* imv djyjkd eg r`g injr`

    snyjkd eg mk r`g vjd`r snr` tjr` r`g gqqgkag mi injr` jk DMB+

    J tmwhb nhqm hjlg rm r`nkl ez rgna`gv Ev+ @nkji Q`n`nb t`m dnyg eg r`g

    amkijbgkag nkb dwjbnkag nr gygvz qrgs mi ez svmogar+ R`jq svmogar `ghsgb eg rm

    lkmt emvg nfmwr r`g WIMKG DQE nkb dnyg eg n a`nkag rm qgg r`gvg

    envlgrjkd qrvnrgdjgq+

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    NBGGH NHH VJD@R VGQGVYGB JI ZMW TNKR RM BMTKHMNB NKB GBJRRPR EG MV ANHH ,:6127%03>2921

    % 1 %JI ZMW TNKR RM BMTKHMNB R@JQ SVMOGAR R@GK RPR EG MK 3127%03>2921

    GPAWRJYG QWEENVZ

    Wimkg jq r`g R`jvb hnvdgqr aghhwhnv kgrtmvl jk Snljqrnk+ Wimkg (miijajnh kneg?

    SREH* jq n SRAH amesnkz SREH (Wimkg* % n t`mhhz%mtkgb qwfqjbjnvz `nq

    jesvmygb jrq ijknkajnh sgvimvenkag ameegkagb jrq msgvnrjmkq mk 6:r` Onkwnvz

    633> nq n DQE :33 qgvyjag svmyjbgv+ Qjkag r`g mwrqgr jr `nq gpsnkbgb jrq

    amygvndg nkb awqrmegv fnqg nr n vnsjb snag nkb gqrnfhjq`gb jrqghi nq mkg mi r`g

    hgnbjkd aghhwhnv qgvyjag svmyjbgvq jk Snljqrnk+

    Bwvjkd r`g hnqr zgnv Wimkg qwaagqqiwhhz ameshgrgb r`g hnwka`jkd mi qjrgq wkbgv

    S`nqg Y jk gpjqrjkd nq tghh nq kgt ajrjgq nkb rmtkq fz jkygqrjkd emvg r`nk WQ"

    767 ejhhjmk+ R`jq `nq jkavgnqgb r`g nqqgr fnqg mi Wimkg ivme vwsggq 63 fjhhjmk rm

    64 fjhhjmk+ Rm iwvr`gv gk`nkag r`g qwfqavjfgv fnqg nkb qrvnrgdjanhhz smqjrjmk r`g

    amesnkz jk r`g dvmtjkd rghgame envlgr Wimkg `nq ijknhjgb n kgrtmvl

    gpsnkqjmk imv S`nqg YJ amkrvnar nemwkrjkd rm nfmwr WQ" >43 Ejhhjmk+ Wimkg

    awvvgkrhz `nq kgrtmvl amygvndg jk emvg r`nk 2427 hmanrjmkq r`vmwd`mwr r`g

    amwkrvz+

    Wimkg$q msgvnrjmknh sgvimvenkag `nq fggk ygvz gkamwvndjkd bgqsjrg qrjii

    amesgrjrjmk jk Snljqrnk rghgame envlgr t`ja` `nq hgb rm vgbwarjmk mi svjagq rm

    fnvg ejkjewe hgygh+ Wimkg enkndgb rm jesvmyg jrq vgygkwg nkb nirgv rnp svmijr

    fz 04' nkb 72' vgqsgarjyghz nq amesnvgb rm r`g hnqr zgnv r`vmwd` nddvgqqjyg

    smhjajgq nkb gpgvajqjkd qrvjar amkrvmh mygv gpsgkqgq+

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    NBGGH NHH VJD@R VGQGVYGB JI ZMW TNKR RM BMTKHMNB NKB GBJRRPR EG MV ANHH ,:6127%03>2921

    % 2 %JI ZMW TNKR RM BMTKHMNB R@JQ SVMOGAR R@GK RPR EG MK 3127%03>2921

    Rnfhg mi Amkrgkr

    A`nsrgv !3> ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ >

    Jkbvmbwarjmk+++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ 6

    @jqrmvz +++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ 1

    @gnb~wnvrgvq++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ 2

    Yjqjmk+++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ 2

    Ejqqjmk ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ 2

    Mfogarjygq ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ 2

    Qnhgq nkb Qgvyjagq +++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ 7

    Bgsnvregkrq jk Wimkg++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ 7

    A`nsrgv !36 ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ 9

    Envlgrrjkd Qvgnrgdz++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ 4

    Qgdegkrnrjmk +++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ 4

    Rnvdgrrjkd+++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ 4

    Smqjrjmkjkd+++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ 0

    Bjiigvrjrjmk+++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ 0Svmbwar +++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ :

    Amvg svmbwar ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ :

    Narwnh svmbwar +++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ :

    Svgsnjb+++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ >3

    Snalndgq ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ >3

    QEQ Snalndgq +++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ >3

    Svmbwar Ignrwvq++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ >>

    Wkj~wg Qghhjkd svmsmqjrjmk++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ >>

    Svmbwar Hjig Azahg+++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ >6

    FAD Enrvjp +++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ >1

    Svmbwar Hjkg ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ >1

    Svjag ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ >2

    Envlgr Sgkgrvnrjmk ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ >2

    Envlgr Qljeejkd++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ >2

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    NBGGH NHH VJD@R VGQGVYGB JI ZMW TNKR RM BMTKHMNB NKB GBJRRPR EG MV ANHH ,:6127%03>2921

    % 7 %JI ZMW TNKR RM BMTKHMNB R@JQ SVMOGAR R@GK RPR EG MK 3127%03>2921

    Shnag ++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ >7

    Bjqrvjfwrjmk A`nkkgh++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ >7

    Svmemrjmk +++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ >9

    A`nsrgv !31+++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ >4

    Envlgr Q`nvg++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ >0

    Vjynhq +++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ >:

    Inarq ) Ijdwvgq++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ >:

    Vgamegkrnrjmk +++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ 6>

    Amkahwqjmk +++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ 66

    Vgigvgkagq +++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ 62

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    NBGGH NHH VJD@R VGQGVYGB JI ZMW TNKR RM BMTKHMNB NKB GBJRRPR EG MV ANHH ,:6127%03>2921

    % 9 %JI ZMW TNKR RM BMTKHMNB R@JQ SVMOGAR R@GK RPR EG MK 3127%03>2921

    A`nsrgv ! >

    Jkrvmbwarjmk

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    NBGGH NHH VJD@R VGQGVYGB JI ZMW TNKR RM BMTKHMNB NKB GBJRRPR EG MV ANHH ,:6127%03>2921

    % 4 %JI ZMW TNKR RM BMTKHMNB R@JQ SVMOGAR R@GK RPR EG MK 3127%03>2921

    JkrvmbwarjmkR`g amesnkz ameegkagb jrq msgvnrjmkq wkbgv r`g fvnkb kneg mi Wimkg ivme

    Jqhnenfnb mk Onkwnvz 6: 633>+ Wimkg gpsnkbgb jrq amygvndg nkb `nq nbbgb

    kgt ajrjgq nkb `jd`tnzq rm jrq amygvndg kgrtmvl+ Nirgv r`g svjynrjnrjmk mi SRAH

    Wimkg jq kmt mtkgb fz Grjqnhnr+

    Bwvjkd r`g zgnv nq n amkqg~wgkag mi SRAHq svjynrjnrjmk 69' mi jrq q`nvgq

    tgvg na~wjvgb fz Gejvnrgq Rghgameewkjanrjmk Amvsmvnrjmk (Grjqnhnr*+ Fgjkd snvr

    mi SRAH r`g enkndgegkr mi Wimkg `nq nhqm fggk `nkbgb mygv rm Grjqnhnr+

    Bwvjkd r`g zgnvq Wimkg amkrjkwgb mk r`g snr` rm qwaagqq+ R`g Amesnkz iwvr`gv

    gpsnkbgb jrq amygvndg nkb `nq nbbgb kgt ajrjgq nkb `jd`tnzq+ Wimkg `nq

    kgrtmvl amygvndg jk emvg r`nk 7007 hmanrjmkq nkb navmqq nhh enomv `jd`tnzq mi

    r`g amwkrvz+

    Bwvjkd r`g zgnv Wimkg nbmsrgb r`g smhjaz mi qjeshjijgb rnvjiiq tjr` km `jbbgk

    a`nvdgq t`ja` vgqwhrgb jk smqjrjyg jesnarq mk r`g wqndg rvgkbq mi qwfqavjfgvq nq

    tghh nq rmrnh qwfqavjfgv fnqg t`ja` `nq jkavgnqgb rm >:+2 ejhhjmk+ Wimkg awvvgkrhz

    anrgvq imv Jkrgvknrjmknh Vmnejkd rm emvg r`nk 613 hjyg msgvnrmvq jk emvg r`nk

    >13 amwkrvjgq nkb jkrvmbwagb Jkrgvknrjmknh vmnejkd inajhjrz imv Svgsnjb

    qwfqavjfgvq jk Qnwbj Nvnfjn Wkjrgb Ljkdbme Wkjrgb Nvnf Gejvnrgq Qjkdnsmvg

    Smvrwdnh R`njhnkb Azsvwq Fnkdhnbgq` Wfgljqrnk Rwkjqjn Qvj Hnkln Fghdjwe

    nkb Lwtnjr tjr` hmtgqr vnrgq ignrwvjkd km qgawvjrz bgsmqjr nkb narjynrjmk

    A`nvdgq+ DSVQ Vmnejkd inajhjrz jq nynjhnfhg tjr` emvg r`nk >>7 Hjyg Msgvnrmvq

    navmqq 07 amwkrvjgq+

    3R`g amesnkz `nq nhqm fggk ntnvbgb n kgt Hjagkqg imv svmyjbjkd aghhwhnv

    qgvyjagq jk Nnb Oneew ) Lnq`ejv nkb Kmvr`gvk Nvgnq+

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    NBGGH NHH VJD@R VGQGVYGB JI ZMW TNKR RM BMTKHMNB NKB GBJRRPR EG MV ANHH ,:6127%03>2921

    % 0 %JI ZMW TNKR RM BMTKHMNB R@JQ SVMOGAR R@GK RPR EG MK 3127%03>2921

    @JQRMVZ

    Jk >::3 Snljqrnk jkrvmbwagb jrq ijvqr emfjhg s`mkg qgvyjag anhhgb Wimkg+ Nirgv

    ghgygk zgnvq jk Onkwnvz 633> n kgt aghhwhnv amesnkz tjr` DQE rga`kmhmdzaneg jkrm r`g envlgr nkb r`gz knegb jr Wimkg+ R`g dmygvkegkr mi Snljqrnk

    dvnkrgb r`ge r`g hjagkqg mi Snl Rghgame emfjhg hjejrgb rm msgvnrg DQE :333 nhh

    Nvmwkb Snljqrnk+ Wimkg qwaaggbgb rm gqrnfhjq` jrqghi jk r`g envlgr fz svmyjbjkd

    ~wnhjrz qgvyjag nr hmt vnrgq+ Nirgv jrq msgkjkd jkjrjnhhz r`gz qrnvrgb r`gjv qgvyjag jk

    enomv ajrjgq hjlg Vntnhsjkbj Jqhnenfnb Lnvna`j nkb Hn`mvg nkb mk enomv

    `jd`tnzq+ Hnrgv r`g qgvyjag gpsnkbgb rm mr`gv enomv ajrjgq hjlg Sgq`ntnv ^wgrrn

    nkb bjiigvgkr rmtkq+

    Wimkg jkygqrgb nvmwkb " 97 ejhhjmk rm qgrws jrq embgvk rga`kjanh jkivnqrvwarwvg rm

    svmyjbg `jd` ~wnhjrz avzqrnh ahgnv ymjag nkb inqr bnrn rvnkqejqqjmk+ Wimkg rnvdgrgb

    r`g ejbbhg ahnqq fz jkrvmbwajkd hmt vnrgq nkb bjiigvgkr snalndgq tjr` Wvbw

    knegq hjlg Onfn gra rm nrrvnargb hmtgv nkb ejbbhg ahnqq sgmshg+ Wimkg `nq

    gpsnkbgb jrq awqrmegv qwssmvr jk n ygvz mvdnkjgb enkkgv tjr` n shnkkgb

    kgrtmvl mi bgnhgvq mwrhgrq imv sgmshg amkygkjgkr+ Wimkg jq ameejrrgb rm anvg imv

    jrq awqrmegvq gygk nirgv r`gz `nyg na~wjvgb n kgt amkkgarjmk+ Wimkg kmr mkhz

    imawqgb mk r`g rga`kjanh ansnfjhjrjgq fwr rm svmyjbg qwfqavjfgvq n amkygkjgkr rm

    dgr amkkgarjmkq nkb qgvyjagq+ Wimkg vgagkrhz qrnvrgb DSVQ r`vmwd` t`ja` wqgvq

    ank amkkgar r`geqghygq rm r`g dhmfnh yjhhndg yjn Jkrgvkgr nhqm jkrvmbwagb

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    qsmvrq wsbnrgq+ R`g rnvjii snalndgq `nyg fggk bgqjdkgb lggsjkd jk ejkb r`g

    vg~wjvgegkrq mi gygvz qgdegkr mi r`g qmajgrz enz r`nr fg n `mwqgtjig n rnpjbvjygv n rvnbgv mv n qrwbgkr+ Wimkg qrnvrgb jrq msgvnrjmk ivme Jqhnenfnb mk 6:r`

    Onkwnvz 633>+ Aghhwhnv jkbwqrvz sgvimvenkag jk Snljqrnk fgimvg r`g hnwka` mi

    Wimkg tnq ~wjrg bjqenh tjr` mkg mi r`g hmtgqr smswhnrjmk sgkgrvnrjmk vnrgq jk r`g

    T`mhg vgdjmk+ Wimkgq qrvnrgdz ivme r`g bnz mkg tnq rm a`nkdg r`jq qagknvjm

    nkb gkqwvg r`nr emfjhg s`mkgq nvg rwvkgb jkrm nk gygvzbnz fwqjkgqq nkb

    sgvqmknh ameewkjanrjmk rmmhq imv nhh+ R`jq nssvmna` fvmwd`r nfmwr n vgymhwrjmk jk

    r`g envlgr< jkavgnqjkd jrq qjg ijyg imhb jk n egvg rtm zgnvq+

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    NBGGH NHH VJD@R VGQGVYGB JI ZMW TNKR RM BMTKHMNB NKB GBJRRPR EG MV ANHH ,:6127%03>2921

    % : %JI ZMW TNKR RM BMTKHMNB R@JQ SVMOGAR R@GK RPR EG MK 3127%03>2921

    Wimkgq mtk sgvimvenkag jk r`gqg rtm zgnvq `nq fggk gpgeshnvz nq jr

    qwvsnqqgb nhh ijknkajnh nkb envlgrjkd dmnhq+ Bgqsjrg Wimkgq qrvnrgdz rm svmyjbg

    n `jd` qrnkbnvb mi qgvyjag vnr`gv r`nk jkavgnqjkd qwfqavjfgv fnqg tjr`mwr

    ansnajrz jr `nq na`jgygb n qwfqrnkrjnh envlgr q`nvg jk n envlgr rgk zgnvq mhbgvr`nk jrqghi+

    @GNB^WNVRGV

    R`g `gnb miijag mi r`g wimkg jq hmanrgb jk >1%F I%4 Envln Jqhnenfnb Snljqrnk

    nkb jr amygvgb nvgn jq 6119 ajrjgq mi Snljqrnk DR Vmnb Qwsgv @jd`tnz )

    Emrmvtnz+

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    jkkmynrg ameewkjanrjmk qmhwrjmkq imv mwv awqrmegvq t`jhg gpaggbjkd

    q`nvg`mhbgv ynhwg ) geshmzgg gpsgarnrjmk+

    EJQQJMK

    &Wimkg jr$q nhh nfmwr W. Tg nvg t`gvg zmw tnkr rm fg

    Nr Wimkg tg nje rm svmyjbg zmw tjr` tjbgv amygvndg qwsgvjmv amkkgarjyjrz

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    Wimkg fganwqg jr jq n bzkneja mvdnkjnrjmk tjr` n smtgviwh awhrwvg r`nr nhhmtq

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    lkmthgbdg nkb qljhhq t`ja` bjvgargb rm ez anvggv+

    Awqrmegv Qgvyjag

    Wimkg jq svmwb rm `nyg nk giijajgkr nkb ivjgkbhz awqrmegv qgvyjag r`vmwd` 6>

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    NBGGH NHH VJD@R VGQGVYGB JI ZMW TNKR RM BMTKHMNB NKB GBJRRPR EG MV ANHH ,:6127%03>2921

    % >3 %JI ZMW TNKR RM BMTKHMNB R@JQ SVMOGAR R@GK RPR EG MK 3127%03>2921

    Qnhgq ) Qgvyjagq Agkrgv

    Wimkg Qnhgq ) Qgvyjag Agkrgvq `nyg fggk qgr ws rm svmyjbg zmw ~wnhjrz qgvyjagq

    nhh wkbgv mkg vmmi qm zmw ank tnhl jk rm nkz Wimkg Qnhgq ) Qgvyjag Agkrgv imv

    qgvyjagq hjlg?m Amkkgarjmk swva`nqg

    m Fjhh snzegkr

    m QJE Narjynrjmk

    m Kwefgv fhmaljkd jk anqg mi hmqr mv qrmhgk QJEq

    m QJE vgshnagegkr

    m Mtkgvq`js A`nkdjkd

    m Svmbwar - snalndg a`nkdg

    m Amkkgarjmk ahmqwvg

    m SJK - SWL ambg kwefgv jk~wjvz

    m DSVQ

    m Anhh Imvtnvbjkd

    Bgsnvregkrq jk Wimkg

    R`g Imhhmtjkd bgsnvregkrq nvg awvvgkrhz tmvljkd?

    m @wenk Vgqmwvag Enkndgegkr

    m Envlgrjkd Bgsnvregkr

    m Ameegvajnh Bgsnvregkr

    m Qnhgq Bgsnvregkr

    m Ijknkag Bgsnvregkr

    m Snzvmhh Bgsnvregkr

    m Jkimvenrjmk Rga`kmhmdz Bgsnvregkr

    m Gkdjkggvjkd Bgsnvregkr

    m

    Nbejkjqrvnrjmkm Nwbjrjkd Bgsnvregkr

    m Awqrmegv Anvg

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    NBGGH NHH VJD@R VGQGVYGB JI ZMW TNKR RM BMTKHMNB NKB GBJRRPR EG MV ANHH ,:6127%03>2921

    % >> %JI ZMW TNKR RM BMTKHMNB R@JQ SVMOGAR R@GK RPR EG MK 3127%03>2921

    A`nsrgv ! 6

    Envlgrjkd Ejp nkb Envlgrjkd Qrvnrgdz

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    NBGGH NHH VJD@R VGQGVYGB JI ZMW TNKR RM BMTKHMNB NKB GBJRRPR EG MV ANHH ,:6127%03>2921

    % >6 %JI ZMW TNKR RM BMTKHMNB R@JQ SVMOGAR R@GK RPR EG MK 3127%03>2921

    ENVLGRJKD QRVNRGDJGQ

    N svmagqq r`nr ank nhhmt nk mvdnkjnrjmk rm amkagkrvnrg jrq hjejrgb vgqmwvagq mk

    r`g dvgnrgqr mssmvrwkjrjgq rm jkavgnqg qnhgq nkb na`jgyg n qwqrnjknfhg

    amesgrjrjyg nbynkrndg+ N envlgrjkd qrvnrgdz q`mwhb fg agkrgvgb nvmwkb r`g lgz

    amkagsr r`nr awqrmegv qnrjqinarjmk jq r`g enjk dmnh+

    ENVLGR QGDEGKRNRJMK

    Aghhwhnv qgvyjag envlgr jq n bjygvqg qgr mi sgmshg+ Wimkg nq tghh nq mr`gv aghhwhnv

    qgvyjag amesnkjgq qgdegkr r`gjv envlgr mk imwv fnqgq? % gamkmez ndg dgkbgv

    ) maawsnrjmk+

    J+ GAMKMEZ? Wssgv ahnqq Ejbbhg ahnqq qmajm%gamkmeja nkb hmtgv ahnqq

    JJ+ NDG? Rggkndgvq zmwkdqrgvq ejbbhg ndg ndgb sgmshg

    JJJ+ DGKBGV? Enhg ) Igenhg

    JY+ MAAWSNRJMK? amvsmvnrg ahnqq Fwqjkgqq ahnqq tmvljkd ahnqq gra

    RNVDGR ENVLGRQ

    Aghhwhnv s`mkgq nvg r`g rga`kmhmdz mi kgt gvn r`g 6>qr agkrwvz+ R`gqg aghhwhnvs`mkgq nvg r`g enjk imawq mi mwv zmwkdqrgvq+ Nhh r`g aghhwhnv amesnkjgq nvg

    rnvdgrjkd R`g Zmwr` mkg tnz mv mr`gv+ Wimkg jq km hmkdgv n imhhmtgv jk r`jq vnag+

    Jrq enjk imawq jq R@G ZMWR@ mi Snljqrnk t`ja` jq jrq Rnvdgr Envlgr+

    Rnvdgr envlgrjkd qrvnrgdz

    Wimkg `nq nhtnzq fggk rnvdgrjkd Zmwr` Envlgr fz wqjkd zmwkd fvnkb gkbmvqgvq

    mv nefnqqnbmvq+ Jr nhtnzq fvjkdq qwa` snalndgq nkb miigvq r`nr svgajqghz eggr

    r`g kggbq mi mwv zmwkd sgmshg+ Km bmwfr jr `nq nhqm hnwka`gb snalndgq fvnkbq

    nkb miigvq imv tmvljkd sgmshg fwqjkgqq ahnqq hnbjgq nkb ndgb mkgq+ Wimkg

    qgglq rm rnvdgr enqqgq jk r`g hmkd vwk+

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    NBGGH NHH VJD@R VGQGVYGB JI ZMW TNKR RM BMTKHMNB NKB GBJRRPR EG MV ANHH ,:6127%03>2921

    % >1 %JI ZMW TNKR RM BMTKHMNB R@JQ SVMOGAR R@GK RPR EG MK 3127%03>2921

    SMQJRJMKJKD

    Smqjrjmkjkd jq r`g svmagqq mi avgnrjkd nk jendg mi amesnkzq fvnkb jk r`g ejkb mi

    envlgr+ Amesnkjgq smqjrjmk r`geqghygq gemrjmknhhz iwkarjmknhhz mv mk r`g fnqjq

    mi fvnkb ~wnhjrz+ Wimkg jq qrjhh n envlgr a`nhhgkdgv jk amesnvjqmk rm envlgr hgnbgvEMFJHJKL+ Jr jq qrjhh rm vgna` rm r`g rms emqr smqjrjmk mi aghhwhnv amesnkjgq+ Qm

    Wimkg smqjrjmkq jrqghi mk r`g fnqjq mi jrq qgvyjagq+

    Wimkgq imvegv Smqjrjmkjkd Qrnrgegkr?

    Gygvzfmbz Hmygq rm Wimkg Svgsnz

    Wimkgq kgt Smqjrjmkjkd Qrnrgegkr?

    Wimkg rwe `j rm` `m.

    Mv

    Jrq Nhh Nfmwr W

    Wimkg Hmdmq

    Wimkgq smqjrjmkjkd qrvnrgdz?

    Wimkg a`nkdgb r`g jendg mi emfjhg s`mkgq ivme n hwpwvz mkhz niimvbnfhg fz r`gghjrg rm n kgagqqjrz niimvbnfhg fz r`g ameemk enk+ Qjkag jrq jkagsrjmk Wimkg

    `nq smqjrjmkgb jrq fvnkb imv ENQQGQ mk r`g fnqjq mi qgvyjagq jr jq svmyjbjkd nkb

    jrq hmtgqr anhh vnrgq+ Jr enlgq r`ge fghjgyg r`nr jr qnrjqijgq r`g kggbq mi gygvzmkg

    (yj nhh ahnqqgq ndg ) dgkbgvq*+ Jr rghhq r`ge r`nr Wimkg jq r`gvg t`gk nkzfmbz

    kggbq jr+ R`g fvnkb kneg WIMKG jrqghi jq n smqjrjmkjkd qrnrgegkr+

    BJIIGVGKRJNRJMK

    Jk r`gqg bnzq mi jkrgkqg amesgrjrjmk envlgrgvq ijkb jr `nvb rm bjiigvgkrjnrg r`gjv

    qgvyjagq ivme r`mqg mi amesgrjrmvq+ Kmt awqrmegv anvg nfmwr mkhz svjag+ Nk

    wkqnrjqijgb awqrmegv tjhh jeegbjnrghz dm imv fvnkb qtjra`jkd+ R`wq hgnyjkd n

    awqrmegv wkqnrjqijgb nkb kmr eggrjkd `jq-`gv bgenkbq jq mwr mi ~wgqrjmk imv

    envlgrgvq+

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    NBGGH NHH VJD@R VGQGVYGB JI ZMW TNKR RM BMTKHMNB NKB GBJRRPR EG MV ANHH ,:6127%03>2921

    % >2 %JI ZMW TNKR RM BMTKHMNB R@JQ SVMOGAR R@GK RPR EG MK 3127%03>2921

    Bjiigvgkrjnrjmk Qrvnrgdz ?

    Wimkg `nq nhtnzq qrvnrgdjgb jk qnrjqizjkd r`g bgenkbq mi jrq awqrmegvq+ Jk

    bmjkd qm jr `nq fggk qwaagqqiwh jk bjiigvgkrjnrjkd jrqghi jk rgveq mi?%

    Svjag ^wnhjrz qgvyjag

    Rga`kmhmdz

    Envlgrjkd Ejp

    Envlgrjkd ejp jq nfmwr na`jgyjkd zmwv envlgrjkd mfogarjygq r`vmwd` svmsgv

    nknhzqjq mi r`g 2 Sq mv ghgegkrq mi envlgrjkd kneghz?

    Svmbwar

    Svjag

    Shnag

    Svmemrjmk

    Svmbwar

    Wimkg miigv fmr` svgsnjb nkb smqrsnjb qgvyjagq+ R`g imhhmtjkd nvg r`g qgvyjagq

    mi Wimkg+ Fwr J Tjhh Bjqawqq mk Svgsnjb

    AMVG SVMBWAR??

    Wimkg tjhh miigv jrq envlgr n kgt bjegkqjmk mi rnljkd nbynkrndg mi wqjkd DQE

    nkb NEQ nr r`g qneg rjeg+ Wimkg amvg svmbwar jq r`g emfjhg amkkgarjmkq tjr`jk

    awqrmegvq egnkq jkahwqjyg mi nbbgb ignrwvgq rm qnrjqiz r`g awqrmegvq

    kgagqqjrjgq nkb rm amkigv r`ge r`g tmvhb mi gnqjkgqq+ Jkjrjnhhz tjr` NEQ

    jkrgvknrjmknh vmnejkd tnq kmr nynjhnfhg naagsr WQN+ Kmt fz rwvkjkd rm DQE

    Wimkg awqrmegvq tjhh fg bghjd`rgb rm wqg r`g emqr niimvbnfhg qgvyjag tjr` n

    endkjrwbg mi nbbgb ignrwvgq t`ja` jq r`g Wimkg rvnbjrjmk+

    NARWNH SVMBWAR?

    Fvnkb Kneg?? Wimkg Svgsnjb nkb Wimkg Smqrsnjb amkkgarjmkq++

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    NBGGH NHH VJD@R VGQGVYGB JI ZMW TNKR RM BMTKHMNB NKB GBJRRPR EG MV ANHH ,:6127%03>2921

    % >7 %JI ZMW TNKR RM BMTKHMNB R@JQ SVMOGAR R@GK RPR EG MK 3127%03>2921

    Svgsnjb?

    Wimkg envlgrq jrq svgsnjb qgvyjagq nq Svgsnz+ Wimkg Svgsnz jq emvg

    niimvbnfhg+ Jrq svjenvz envlgr jq jkrgkbgb rmtnvbq rggkndgvq nkb qrwbgkrq+

    Imhhmtjkd nvg qmeg mi r`g svgsnjb snalndgq mi Wimkg+Snalndgq?

    Hjig shwq Snalndg

    Svgsnz Hjig

    Hjig Ynhwg

    Omq`

    W Ajvahg Hjig

    W Ajvahg Hjig Shwq Swfhja Bgenkb

    D`nkrn Snalndg

    W Tmk

    1 ejkwrgq Snalndg

    Mkg Kwefgv ivgg Snalndg

    Rgkqjmk Ivgg Snalndg

    93 Snjqn Miigv

    W%Ajvahg

    QEQ Snalndgq

    Snalndg > >97 67,rnp

    Snalndg 6 733 73,rnp

    Snalndg 1 >333 47,rnp

    Snalndg 2 0333 03,rnp

    Snalndg 7 wkhjejrgb 1,rnp sgv bnz

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    NBGGH NHH VJD@R VGQGVYGB JI ZMW TNKR RM BMTKHMNB NKB GBJRRPR EG MV ANHH ,:6127%03>2921

    % >9 %JI ZMW TNKR RM BMTKHMNB R@JQ SVMOGAR R@GK RPR EG MK 3127%03>2921

    Wimkgq Svmbwar Ignrwvgq?

    W Q`nvg

    W%Ajvahg

    Emfjhg Kwefgv Smvrnfjhjrz

    Gqqgkrjnhq Ignrwvgq

    Q`mvr Egqqndjkd Qgvyjag (QEQ* ) Jkrgvknrjmknh QEQ

    Anhhgv Hjkg Jbgkrjijanrjmk (AHJ*

    Amkigvgkag Anhhjkd

    Anhh Tnjrjkd

    Ymjag Enjh

    Gpahwqjygq Ignrwvg

    Ejqq Anhh nhgvr

    Emfjhg Fnkljkd

    Yjvrwnh Svjynrg Kgrtmvl (YSK*

    DSVQ gknfhgb EEQ nkb Jkrgvkgr Naagqq

    Narjynrg DSVQ

    DSVQ Vmnejkd

    Wimkg-NFK NEVM Avgbjr anvb

    Wkj~wg Qghhjkd Svmsmqjrjmk

    Wimkg Miigv wkj~wg qghhjkd svmsmqjrjmk imv amesgrjrjyg nbynkrndg t`ja`

    enlgq Wimkg bjiigvgkr ivme jrq amesgrjrmvq nkb ges`nqjg r`gqg nbynkrndgq

    jk r`gjv envlgrjkd+ Qmeg mi r`g wkj~wg qghhjkd svmsmqjrjmk mi Wimkg jq+

    W Amkkgar

    W rvnalgv

    Wimkg Jkrgvkgr WQF

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    NBGGH NHH VJD@R VGQGVYGB JI ZMW TNKR RM BMTKHMNB NKB GBJRRPR EG MV ANHH ,:6127%03>2921

    % >4 %JI ZMW TNKR RM BMTKHMNB R@JQ SVMOGAR R@GK RPR EG MK 3127%03>2921

    Svmbwar Hjig Azahg?

    Ivme r`jq Ijdwvg Tg ank qgg r`nr Wimkg Svgsnjb jq nr Dvmtr`+ Wimkg tjhh

    jeshgegkr imhhmtjkd qrvnrgdjgq fz snqqjkd r`vmwd` r`gqg qrndgq mi svmbwar hjig

    azahg?

    Jkrvmbwarmvz Qrndg?

    Wimkg tjhh avgnrg swfhja ntnvgkgqq jk r`jq qrndg+ Amesnkz tjhh nbmsr Vnsjb

    Sgkgrvnrjmk envlgrjkd qrvnrgdz jk r`jq qrndg jk t`ja` amesnkz tjhh dm imv `gnyz

    svmemrjmk fwr jr tjhh a`nvdg hmt svjag r`nk jrq amesgrjrmvq+ Nq r`gvg nvg mr`gv

    amesgrjrmvq nvg svgqgkr jk r`g envlgr nkb tg tnkr rm dvnf n vgnqmknfhg envlgr

    q`nvg+

    Dvmtr` Qrndg?

    R`jq qrndg tjhh fg amwkrgb nq qnhgq dvmtr` qrndg nkb amesnkz tjhh amkygvr gnvhz

    nbmsrgvq mi svmbwar rm vgdwhnv swva`nqgvq+ Amkrjkwmwq svmemrjmk tjhh fg wqgb rm

    jkavgnqg r`g qnhgq+

    Enrwvjrz Qrndg?

    Nr r`jq qrndg t`gk r`g svmbwar tjhh dgr enpjewe ntnvgkgqq jk r`g envlgr nkb

    qnhgq tjhh fg qrnfhg amesnkz jq shnkkjkd rm qsgkb ewa` nemwkr imv rvnbg nkb

    qnhgq svmemrjmk t`ja` tjhh fg smqjrjyg imv r`g svmbwar nkb tjhh lggs r`g svmbwar

    mk n dmmb qanhg nemkd amesgrjrmvq miigvjkdq+

    Bgahjkg Qrndg??

    Amesnkz tjhh embgvkjg gpjqrjkd svmbwar tjr` nbbjrjmknh ignrwvgq rm vgrnjk

    awqrmegvq nrrgkrjmk nkb jkrgvgqr+ Nq qwa` tg tjhh tmvl mwr mk svmbwar hjkg nkb

    svmbwar ejp rm enjkrnjk envlgr q`nvg+

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    NBGGH NHH VJD@R VGQGVYGB JI ZMW TNKR RM BMTKHMNB NKB GBJRRPR EG MV ANHH ,:6127%03>2921

    % >0 %JI ZMW TNKR RM BMTKHMNB R@JQ SVMOGAR R@GK RPR EG MK 3127%03>2921

    FAD Enrvjp

    VGHNRJYG ENVLGR Q@NVG

    ENVLGRDVMTR@VNRG

    SVGSNZ SMQR SNZQ

    QRNVQ ^WGQRJMK ENVL

    ANQ@ AMTQ BMDQ

    Ivme r`jq Ijdwvg Tg ank qgg r`nr Wimkg svgsnjb nvg nr anq` amtq nkb smqrsnjb nvg mk

    r`g ^wgqrjmk envlq+ Wimkg kggb rm nbygvrjqg r`gjv smqrsnjb snalndg emvg nq amesnvg

    rm Wimkg svgsnz+

    Svmbwar hjkg

    R`gvg nvg rtm fnqja svmbwarq mi Wimkg Wimkg Svgsnjb nkb Wimkg Smqr snz+

    Fmr` sh r`gqg svmbwarq nvg nynjhnfhg nr r`gjv ivnka`jqg imv swfhja+

    Wimkg SvgsnjbWimkg Svgsnjb jq tjr` n tjbg vnkdg mi svmbwarq nkb ignrwvgq zmwv Wimkg Svgsnz

    amkkgarjmk jq n ameshgrg ameewkjanrjmk qmhwrjmk r`nr miigvq zmw QEQ DSVQ

    EEQ Anhh Ignrwvgq Jkrgvknrjmknh Vmnejkd nkb n ynvjgrz mi nenjkd Emfjhg

    Svmbwarq

    Wimkg Smqrsnz

    Wimkg Smqrsnz jq n fvnkb r`nr lggsq ws tjr` zmw wkbgvqrnkbjkd zmwv bvjyg imv

    yjarmvz jk r`g fwqjkgqq nvgkn nkb zmwv qgkqg mi fghmkdjkd jk zmwv sgvqmknh hjig+

    Mk Wimkg smqrsnjb r`gz nje nr svmyjbjkd zmw tjr` r`g emqr qwsgvjmv emfjhg

    s`mkg qgvyjagq tjbgqr ~wnhjrz kgrtmvl ) fgqr awqrmegv qgvyjagq imv zmw mk zmwv

    omwvkgz rm qwaagqq+

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    NBGGH NHH VJD@R VGQGVYGB JI ZMW TNKR RM BMTKHMNB NKB GBJRRPR EG MV ANHH ,:6127%03>2921

    % >: %JI ZMW TNKR RM BMTKHMNB R@JQ SVMOGAR R@GK RPR EG MK 3127%03>2921

    Svjajkd

    Nq amesnvg rm mr`gv rghgameewkjanrjmk amesnkjgq Wimkg miigvq jrq qgvyjagq

    tjr` hmtgv nkb niimvbnfhg vnrgq+ R`g svjag mi svmbwar enrrgvq jk r`g envlgr fwrhmt svjag tjr` `jd` bgkqjrz qgvyjag jq kmr nk gnqz rnql rm naameshjq`+ Imv r`g

    qnrjqinarjmk mi ynhwgb amkqwegv Wimkg egvdgb r`g hmt Svjag nkb `jd` bgkqjrz

    qgvyjagq tjr` tjbg kgrtmvl+

    Fmr` r`g Svgsnz ) Smqr snz rnvjii nvg fgjkd bgijkgb nq imhhmtq

    ?

    Wimkg Envlgr Svjajkd

    Envlgr Qljeejkd Svjajkd % n svjajkd nssvmna` jk t ja` r`g svmbwagv qgrq n jd`

    jkrvmbwarmvz svjag rm nrrvnar fwzgvq tjr` n qrvmkd bgqjvg imv r`g svmbwar nkb r`g vgqmwvagq

    rm fwz jr +++

    Envlgr Sgkgrvnrjmk Svjajkd % nk nssvmna` rm svjajkd jk t`ja` n enkwinarwvgv qgrq n

    vghnrjyghz hmt svjag imv n svmbwar jk r`g jkrvmbwarmvz qrndg mi jrq hjig azahg tjr` r`g

    jkrgkrjmk mi fwjhbjkd envlgr q`nvg+ Qgg Envlgr Qljeejkd Svjajkd+

    Wimkg wqg Envlgr Qljeejkd Svjajkd Rm nrrvnar awqrmegv Imv Gpneshg Wimkg `nq

    jkrvmbwagb Wimkg RY Dwjbg nr > qeq 5 >3 Vq T`ja` jq ygvz `jd` svjag Nirgv qmeg rjeg

    t`gk amesgrjrmvq jkrvmbwag qwa` rzsg mi qgvyjagq mv bgavgnqg svjag Wimkg tjhh nhqm

    bgavgnqg r`g svjag

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    NBGGH NHH VJD@R VGQGVYGB JI ZMW TNKR RM BMTKHMNB NKB GBJRRPR EG MV ANHH ,:6127%03>2921

    % 63 %JI ZMW TNKR RM BMTKHMNB R@JQ SVMOGAR R@GK RPR EG MK 3127%03>2921

    Shnag

    Shnag shnzq n ygvz jesmvrnkr snvr jk r`g bjqrvjfwrjmk nkb svmemrjmk mi qgvyjagq+

    Amesgrjrmvq mi Wimkg nvg qggljkd rm sgkgrvnrg jkrm shnagq t`gvg mr`gvq `nygkr

    vgna`gb+ Aghhwhnv qgvyjag svmyjbgvq nvg bvnqrjanhhz tjbgkjkd r`gjv kgrtmvl )

    amygvndg jk gygvz nvgn mi Snljqrnk+ Emfjhjkl `nq r`jq gbdg jk shnag gpaghhgkag

    fganwqg jr jq r`g sjmkggv jk aghhwhnv rghgs`mkja ijghb+

    Bjqrvjfwrjmk A`nkkgh?

    Wimkg Qgvyjag Svmyjbgv

    Mtk Bjqrvjfwrjmk Kgrtmvl

    Wimkg Mwrhgrq

    Ivnka`jqgq+

    Amkqwegvq+

    Wimkg jq jk r`g jkbwqrvz mi emfjhg amkkgarjmkq nkb tg tjhh `nyg mwv mtk

    bjqrvjfwrjmk kgrtmvl t`ja` tjhh qwsshz r`g svmbwar rm bjiigvgkr vgdjmkq mi Qjkb`

    Swkonf Fnhma`jqrnk nkb K+T+I+S+ Nq tg nvg rnvdgrjkd N%> N%6 nkb F ahnqq tg

    tjhh qwsshz mwv svmbwar rm r`g mwrhgrq t`ja` nvg nemkd r`g rms vnkljkd qrmvgqtjr` N> N nkb F vnrjkdq jk Lnvna`j Jqhnenfnb @zbgvnfnb Hn`mvg Vntnhsjkbj

    Dwovnktnhn Qjnhlmr Ewhrnk ^wgrrn nkb Sgq`ntnv nkb r`jq tjhh enlg Wimkg

    DQE smqrsnjb nkb svgsnjb nynjhnfhg rm jrq gkrjvg rnvdgr envlgr+

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    NBGGH NHH VJD@R VGQGVYGB JI ZMW TNKR RM BMTKHMNB NKB GBJRRPR EG MV ANHH ,:6127%03>2921

    % 6> %JI ZMW TNKR RM BMTKHMNB R@JQ SVMOGAR R@GK RPR EG MK 3127%03>2921

    Svmemrjmk

    Imv r`g svmemrjmk mi svmbwar svjkr egbjn ghgarvmkja egbjn fjhhfmnvbq fvmna`gvq

    nkb hgnihgrq `nq fggk wrjhjgb imv r`g ntnvgkgqq mi ynvjmwq awqrmegvq+ Wimkgsvmemrgq jrq qgvyjagq - qa`gegq rm r`gjv wqgvq nkb dgkgvnh swfhja yjn wqjkd

    ynvjmwq rzsgq mi svmemrjmk a`nkkghq+ R`vmwd` r`g nbygvrjqgegkrq sgmshg dgr

    ntnvgkgqq nfmwr r`g svmbwar nkb nvg nfhg rm a`mmqg r`g fgqr mkg imv iwhijhh r`gjv

    vg~wjvgegkr jk Emfjhg Rghgameewkjanrjmk+

    Ghgarvmkja egbjn nkb fjhhfmnvbq nvg r`g lgz qmwvagq imv r`g svmemrjmk mi Wimkg+

    Bjiigvgkr ljkb mi nbygvrjqgegkr ank fg qggk mk Rghgyjqjmk nkb fjhhfmnvbq+ Wimkg

    jq nhqm n am%qsmkqmv mi Avjalgr Tmvhb Aws 6334+

    Nbygvrjqjkd anesnjdk jq qsgajnh nkb jesvgqqjyg r`nk mr`gv aghhwhnv amesnkjgq

    hjlg amkagsr embghq amhmvq qa`geg nkb yjqwnhjjkd+ R`g nbygvrjqgegkr mi smqr

    snz `nq fggk ygvz ewa` nrrvnarjyg imv r`g fwqjkgqq ahnqq awqrmegvq tjr` r g

    qhmdnk mi gkbhgqq smqqjfjhjrjgq+ Wimkg tgfqjrg (ttt+wimkg+ame* amkrnjkq fwka`

    mi jkimvenrjmk nfmwr r`g svmbwar qgvyjagq amygvndg shnagegkr nkb ynhwg

    nbbgb qgvyjagq+ Tgfqjrg jq shnzjkd n hgnbjkd nkb qjdkjijankr vmhg imv r`g

    svmemrjmk mi svmbwar+

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    NBGGH NHH VJD@R VGQGVYGB JI ZMW TNKR RM BMTKHMNB NKB GBJRRPR EG MV ANHH ,:6127%03>2921

    % 66 %JI ZMW TNKR RM BMTKHMNB R@JQ SVMOGAR R@GK RPR EG MK 3127%03>2921

    A`nsrgv ! 1

    Envlgr jkimvenrjmk

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    NBGGH NHH VJD@R VGQGVYGB JI ZMW TNKR RM BMTKHMNB NKB GBJRRPR EG MV ANHH ,:6127%03>2921

    % 6 1 %JI ZMW TNKR RM BMTKHMNB R@JQ SVMOGAR R@GK RPR EG MK 3127%03>2921

    Envlgr Q`nvg

    Tjr` r`g emkr`hz nbbjrjmkq nygvndg nvmwkb 6+7 ejhhjmk qwfqavjfgvq 633: `nq

    fggk n s`gkmegknh zgnv imv r`g emfjhg envlgr dvmtr` jk Snljqrnk+ @gvgq n hmml

    nr r`g kwefgvq (ivme SRN qjrg* imv r`g ijvqr 0 Emkr`q Mi 633:+ N ~wjal nknhzqjq mi

    r`jq bnrn vgygnhq igt rvgkbq nfmwr envlgr hgnbgvq`js+ Emfjhjkl dnjkgb r`g emqr

    qwfqavjfgvq (7+27 ejhhjmk* jk r`jq sgvjmb+ Jrq envlgr q`nvg `nq fggk bgavgnqjkd

    dvnbwnhhz fwr r`nrq gpsgargb tjr` r`g jkavgnqg jk amesgrjrjmk+ Rghgkmv tnq r`g

    inqrgqr dvmtjkd amesnkz 27' mi r`gjv awvvgkr qwfqavjfgvq (7+17 ejhhjmk* tgvg

    dnjkgb r`jq zgnv+ Km bmwfr r`nr Rghgkmv `nq gegvdgb nq n qrvmkd amkrgkbgv+ Jr

    rmml n qenhh hgnb mygv Tnvjb jk Enva` nkb `nq fggk nfhg rm enjkrnjk jr+ R`g vnrg

    mi dvmtr` imv Wimkg `nq fggk jesvgqqjyg nq tghh+ Jr dnjkgb 7+16 ejhhjmk mi r`gnssvmp 63 ejhhjmk kgt qwfqavjfgvq jk ijvqr 0 emkr`q mi r`jq zgnv jk Snljqrnk+ mkd

    `nq fggk fnvghz nfhg rm vgygvqg r`g kgdnrjyg rvgkb mi qwfqavjfgv hmqqgq+

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    NBGGH NHH VJD@R VGQGVYGB JI ZMW TNKR RM BMTKHMNB NKB GBJRRPR EG MV ANHH ,:6127%03>2921

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