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WHERE THE NUMBERS COME FROM RENTER HOUSEHOLDS AREA MEDIAN INCOME (AMI) HOUSING COSTS UNITED STATES FY14 HOUSING WAGE

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Page 1: WHERE THE NUMBERS COME FROM...WHERE THE NUMBERS COME FROM # ! " # $ % & ' # % "! ( ) * + ) # $ % , - * + ) # $ (! % ' #) $ (! % ' #) - , . % # $ + - - * + ) # & $ ! / 0 1 # 2 ' ( )

WHERE THE NUMBERS COME FROM

� � � � � � � �� � � � �

�� � �� � �� � � � � � � �� �� � � �� � � �� �� � � �� � � � �� � �� � � � � ! �� � � � � � � �� � � " # � $ �� � $ � $ � $ � � � � % � �& � � � #'� # � � � % � ' � � " ! ( � � � � # � ! ! ( ) � � #� � � �� � � �� �� � �� � � � * �+ � ) # �� � �� � � � � � $ � � % � � $ � � � � � �� � � � , � �� � - � � * �+ � ) # � � $ � # ( ! ( # � � # (% � ' # % ) ' �� � � � � � $ � # ( !% � ' # % ) ' � � � � � � � �� � � � � � - �� � � �� � - � , � � �� - - �� � � �� � - . % # � $ � � �� � �� � � � � � -� � � ��� - � * �+ � ) # � � & $ # � # # ) # ) � � ! ! ( ) / � 0 � � � �� � � � �� � ��1 # # 2 ' � # ( � # � ( � � ) � % # ��� - � � % � ( ' � # ( 1 ( 2 1 # # 2 � � � �� � � � , � �� � � � �3 � � � � ,- �� � � � � � 4 5 * $ # ) � � � ! � $ � � � � & $ ## ' � � $ � � # � � ' # ) � ) � � � ! ( $� � � �� � � � � � $ # ( �& � �� $ $ � � � �� �� (+ #� � � � �

�� � �� � �� � � � � � � �� � � " # � $ �� � $ � $� $ � � � � % � �& � � � # '� # � � � % � ' � � " ! ( � �� � # � ! ! ( ) � � # � � � �� � � �� �� � � �� � � � * �+ � ) # �� � � � � � � � � $ � � % � � $ � � �� � � �� � � � , � �� � � � � - �

* #+ # � # ) �� 4 5 *� � � � � � � # # �� � # � ) �� 6 �� � �� � � % # / � 0 �� � � � " # � � # � ( � ( # � � � & ' �� � � � - � � �� � � � � � � � . % # � ) �+ � ) # �� � � ) # � # ( $ � � # � % # � � � � � & $ # � # # ) # ) � � ! ! ( )� � � � � � � � # ( � # � ( � � ( # � � � � � � � � � � , �� � � � � � � � * �+ � ) # � � & $ # � # # ) # ) � � ! ! ( ) � % #/ � 0 �� � � �1 # # 2 ' � # ( � # � ( � � � �� � � � , � �� � � � � . % # � ) �+ � ) #�� � � � � � � % # / # ) # ( � $ � � � $ � $1 � " # � � � � � , � � � � � � � - % � ( ' / � � � � � ) �+ � ) # �� - � � % � ( ' � # ( 1 ( 21 # # 2 � � � - , - � � � � !� � � � $ # 7 � '

RENTER HOUSEHOLDS8 � $ � # (� � � � � �� � � � � !� � � % � ' #�% ) 'AREA MEDIAN INCOME (AMI)� 6 0/ � 0� � � � - � � & $ #� # # ) # )� � ! ! ( )� 6 0/ � 0 �� � � � � � �� � � � - 0 # � �� ! ! ( ) � � #� � � � � � � � ! � � � 0 # � �� ! ! ( ) � � #� � � � � ! � � � 0 # � �� ! ! ( ) � � #� � $ # � �1 � " #9 : ;< HOUSING COSTS = ' � � $ � � # )$ # � � ( # � � # (% � ( � 1 � " #� � � � - /� � � � $ # 7 � '� � $ � � � $ � $1 � " # � # # ) # )� � ! ! ( ) � 6 0/ � 0 /� � � � $ # 7 � '� � $ # � �( # � � # ( 1 � " #� # # ) # ) � � ! ! ( ) � 6 0/ � 0� � �� � � � � - � �� � � � - �� � � - � - �� � �� � � �UNITED STATES

* �+ � ) # � � & $ # � # # ) # ) � � ! ! ( ) � % # / � 0 ��� � �1 # # 2 ' � # ( � # � ( � � � �� � � � , � �� � � � � . % # � ) �+ � ) # �� � � - � � � . % # 5 � � � # ) � � � � # ' >$ # � � ( # � � # ( 1 � " # � � � � � , � � - � �� � �% � ( ' / � � � � � ) �+ � ) # �� - � � % � ( ' � # ( 1 ( 21 # # 2 � � � , - �� � � !� � � � $ # 7 � ' �+ # ( � " # 1 � " # ( #� ( � # ) �� � % #6� ( # �� ! ? � � ( � � � � � ' � �& '� 6 ? � ! ( � � � �� � ) 7 � ' � # ) � ( # ! #& � � % # � � & $ # ! ( # � � # (% � ' # % ) ' ( # � � �+ # � � % � ' # % ) ' � � � % # 5 � � � # )� � � � # '� � � ) � ( 7 #& � # ) � �� ( � � � � � � - � # # �� � # � ) �� �

� � & � � � # � � � � � � � & $ # ��$ � � �� � � � " $ # � � ( # � � # ( 1 � " # �� - �� % � ( ' � # ( 1 # # 2 � � ) � � �1 # # 2 ' � # (� # � ( � � � - � -� - � � � �� � � � � - � � �� � �� � �� � � ) # � # ( $ � � # $ �� � $ � $� $ � � � � % � �& � � � # '� # � � � ( # � �� � � �� - � � � �� � �� � � � * �+ � ) # ��� � � � � � � � $ � � % � � $ � � � � � � � � � ,� �� � � � � � � - � - � � � � � �4 � ( � 1 � " #� #& # ' ' � (� � � ! ! ( ) � 6 0/ � 0FY14 HOUSING WAGE

� � - �� � � �� � - �� � �� � � �� � � � �@A B C D DE F GH I JK B FK L MN FK O FK N K L M M PK QK LK FH J JR H S SK O MK G N MH L GH F G E D N OK L G T L Q L E MU E FK M PH L @ V W E D Q F E N N T L S E U K E L Q F E N N P E X N T L Q S E N MNYZ A [ \ ]^ [ T N SH J _K H F V Z a [H T F \H F bK M ]K L M c d e fg V Z @ hY ` A C \ i ^ [ T N SH J _K H F V Z a C FK H \K G TH L i L S E U K c d e fg V Z @ hYaA j PK DK GK FH J N MH L G H F G DE F K k M FK U K JR J E l T L S E U K P E X N K P E J G NY f E K N L E M T L S J X G K d e fm N OK S T D T S H G n X N MU K L MNY

Page 2: WHERE THE NUMBERS COME FROM...WHERE THE NUMBERS COME FROM # ! " # $ % & ' # % "! ( ) * + ) # $ % , - * + ) # $ (! % ' #) $ (! % ' #) - , . % # $ + - - * + ) # & $ ! / 0 1 # 2 ' ( )

HOW TO USE THE NUMBERS

� �� �� �� �� � �� � � � � � �� � �� � � � �� � � � � � � � ��� � � �� � � �� �� � � � � � � � ��

� � � �� � � � �� � � �� �� �� � �� � � �� � � � � ! � " � # $ � �� � � � � % � �� & � ' � � � � � � � �( � � � � � � �� � � � � � � � � � ) ! � " � � ��# �� � $� � � � � � � * � � � � � � � � �� � � �% � � ! � � � � � � � � � � � � � + � � �,� � �� � � � �� � � � ��� - �� �� � �� � ! � " � � � �� � �� � � � � � � � �� � � � �� �� �� �� ��# �� � �� � � � �� � � � �� � � �� � � � � � � � � � � � % � � � -� �� � � � � � � � � � � � � � � � � � �+� � � � � � � � � � � �� ( $ ,� � �� � � � � � � � � � � � � �� � � � � � * � � � � � �� � � � �� � � �� �� � � �% ' .� ' &�( � � �� � � � � � � � � � ) � �� # $ � � � � � � � �� � � � % � � ' � � � � � � � � � � � � � � + � � �

� �� ( $ , � � � � � �+� � � � �� � �� � � � � � � � � ��� � � �� � � �� �� � � � % � ��# �� � �� � � � �� � � � �� � � � � � � � � � � � � � * � � �% ! �� ! ' � � � � � � � � � � � � � +� � � � �� � �� � � � � � � �( $ , � +� � � � � � � + � � �# �� � �� � � � �� � � � �� � � � � ' � � � � �� � � � / + � - � � � ) � �� � � � � � � � �� )�� � � � � � � � � � � � � � � � +� � � ��� � �� � � � � � � � � �� ( $ ,�

RENTER HOUSEHOLDS0 � � +� �� � � � � � � " � � �� �� � �� �� � � �AREA MEDIAN INCOME (AMI)� � +� � � �( $ ,� � � � � � � * � ��� � � � �� � � � � � 1 , # � � � � �# $ �� � � � � ,� � �� � � � � � + � �� � # $ � ! � " � # $ � ,� � �� � � � � � + � �� � ! � " � # $ � ,� � �� � � � � � + � �� � � � � ��� )�2 3 45HOUSING COSTS � � � � � � �� �� � � � �� � �� �� � � � �� )�� � � � �( � � � � � � � �/ + � � �� � � � � � ��� )��� � � � � � � � � � � 1 ,( $ , ( � � � � � � � �/ + � � �� � � � �� � �� ��� )��� � � � � � � � � � � 1 ,( $ ,� ' % ' .� ' & % � � !% � � ' � % � � ! � "% � �� & � '6 7 8 9 : ; < 9 = 9 : <

# �� � �� � � � �� � � � �� � � � � � ! � � � � � � � � � / + �- � � � ) � �� � � � � �� � �� � �� ) � � � � �� � � � � � � � � � � � +� � � � �� � �� � � � � � � � � ��( $ ,�� �� � � � � � � �� � � � � �� � >� �� )� � �� � �� � �� )� � � � ��� � � �� � � �� �� � � � % � �� ' �� � � � ��

� � � � � �� � � � � � � � � � ��� ? � � >� � � � � � � / + - � � � ) � ��� � � � �� � �� � �� )� � � � *� � � � � � �� � -� � � % & ' � � � � � � � �� � � � � �� � ��% � �� ' � % & ' � � � !@ � � � �� )��� *� � � � � � � � � � � 1 ,FY14 HOUSING WAGE

� �� � � � � � % ! �� ! ' �% � � � AB C D E EF G HI J KL C GL M NO GL P GL O L M N N QL RL ML GI K KS I T TL P NL H O NI M HI G H F E O PL M H U M R M F NV F GL N QI M A W X F E R G F O O U M T F V L F M R G F O OQ F Y O U M R T F O NOZ[ B \ ] _ \ U O TI K L I G a W [ b \I U G ]I G cL N L M N d e f gh a W [ A iZ aB D ] j _ \ U O TI K L I G a W [ b D GL I ]L H UI M j M T F V L d e f gh a W [ A iZbB k QL EL HL GI K O NI M HI G H E F G L l N GL V L KS K F m U M T F V L Q F Y O L Q F K H O Z g F L O M F N U M T K Y HL e f gn O PL T U E U T I H o Y O NV L M NOZ

Page 3: WHERE THE NUMBERS COME FROM...WHERE THE NUMBERS COME FROM # ! " # $ % & ' # % "! ( ) * + ) # $ % , - * + ) # $ (! % ' #) $ (! % ' #) - , . % # $ + - - * + ) # & $ ! / 0 1 # 2 ' ( )

Housing Wage for Housing Wage for

States1

Two-Bedroom FMR Counties2

Two-Bedroom FMR

Hawaii $31.54 Marin County, CA $37.62California $26.04 San Francisco County, CA $37.62Maryland $24.94 San Mateo County, CA $37.62New Jersey $24.92 Honolulu County, HI $35.00New York $24.87 Nantucket County, MA $34.60Massachusetts $24.08 Santa Clara County, CA $31.71Connecticut $23.02 Orange County, CA $31.62Alaska $21.63 Nassau County, NY $31.02Virginia $20.93 Suffolk County, NY $31.02New Hampshire $20.18 Kauai County, HI $30.71

Housing Wage for Housing Wage for

Metropolitan Areas Two-Bedroom FMR Combined Nonmetro Areas Two-Bedroom FMR

San Francisco, CA HMFA3

$37.62 Massachusetts $29.73

Honolulu, HI MSA4

$35.00 Hawaii $22.69San Jose-Sunnyvale-Santa Clara, CA HMFA $31.71 Alaska $19.27Orange County, CA HMFA * $31.62 Maryland $19.18Nassau-Suffolk, NY HMFA $31.02 Connecticut $18.47

Santa Cruz-Watsonville, CA MSA4

$30.71 New Hampshire $18.47Oakland-Fremont HMFA, CA $30.35 California $17.93Danbury, CT HMFA $30.31 Colorado $16.46Stamford-Norwalk, CT HMFA $29.83 Vermont $16.11Oxnard-Thousand Oaks-Ventura, CT MSA $28.44 Delaware $16.04

1 Excludes the District of Columbia.

2 Excludes metropolitan counties in New England.

MOST EXPENSIVE JURISDICTIONS

3 HMFA = HUD Metro FMR Area. This term indicates that a portion of the Office of Management & Budget (OMB) defined core-based statistical area is in the area to

which the income limits and FMRs apply. HUD is required by OMB to alter the name of the metropolitan geographic entities it derives from the Core Based

Statistical Area (CBSA) when the geography is not the same as that established by the OMB. CBSA is a collective term meaning both metro and micro areas.4

MSA = Metropolitan Statistical Area. Geographic entities defined by OMB for use by the federal statistical agencies in collecting, tabulating and publishing federal

statistics. A metro area contains an urban core of 50,000 or more in population.

Page 4: WHERE THE NUMBERS COME FROM...WHERE THE NUMBERS COME FROM # ! " # $ % & ' # % "! ( ) * + ) # $ % , - * + ) # $ (! % ' #) $ (! % ' #) - , . % # $ + - - * + ) # & $ ! / 0 1 # 2 ' ( )

Housing Wage for Housing Wage for

Rank State Two-Bedroom FMR Rank State Two-Bedroom FMR

1 Hawaii $31.54 27 Louisiana $15.452 District of Columbia $28.25 28 Utah $15.263 California $26.04 29 Michigan $15.084 Maryland $24.94 30 New Mexico $14.895 New Jersey $24.92 31 Wyoming $14.776 New York $24.87 32 Wisconsin $14.767 Massachusetts $24.08 33 South Carolina $14.558 Connecticut $23.02 34 North Carolina $14.379 Alaska $21.63 35 Kansas $14.34

10 Virginia $20.93 36 Missouri $14.3111 New Hampshire $20.18 37 North Dakota $14.1912 Delaware $20.09 38 Indiana $14.0313 Florida $19.39 39 Tennessee $14.0214 Vermont $19.36 40 Ohio $13.8415 Nevada $19.25 41 Mississippi $13.5916 Washington $18.65 42 Montana $13.5517 Rhode Island $17.86 43 Nebraska $13.4918 Colorado $17.61 44 Idaho $13.3119 Arizona $17.52 45 Iowa $13.2620 Illinois $17.34 46 Oklahoma $13.2521 Pennsylvania $17.33 47 Alabama $13.1322 Texas $16.77 48 South Dakota $13.0923 Minnesota $16.46 49 West Virginia $12.8024 Oregon $16.28 50 Kentucky $12.6925 Maine $16.19 51 Arkansas $12.5626 Georgia $15.57 52 Puerto Rico $10.19

STATES RANKED BY TWO BEDROOM HOUSING WAGE

Page 5: WHERE THE NUMBERS COME FROM...WHERE THE NUMBERS COME FROM # ! " # $ % & ' # % "! ( ) * + ) # $ % , - * + ) # $ (! % ' #) $ (! % ' #) - , . % # $ + - - * + ) # & $ ! / 0 1 # 2 ' ( )

TX 93

MT 69*

CA 130*

AZ 89* NM 79*

NV 93*CO 88*

ID 73OR 72*

WY 81

UT 84KS 79

MN 91

NE 74

SD 72

ND 78

IL 84*

OK 73

IA 73

MO 76*

WA 80*

WI 81

GA 86AL 72AR 69

NC 79

LA 85

PA 96MI 82*

TN 77

IN 77

NY 124

KY 70

OH 70*

VA 115

SC 80

FL 98*

MS 75

ME 86*

WV 71

VT 89*

MD 138

NH 111

NJ 121

PR 56

MA 120*CT 106*

DE 111

RI 89*

DC 137*

HI 174AK 112*

2014 MINIMUM WAGE HOURS NEEDED TO AFFORD 2 BR FMR

HOURS NEEDED TO AFFORD APARTMENT(*) indicates a state minimum wage that exceeds the federal minimum wage

80 hours/week or lessBetween 81 and 97 hours/week98 hours/week or more

Page 6: WHERE THE NUMBERS COME FROM...WHERE THE NUMBERS COME FROM # ! " # $ % & ' # % "! ( ) * + ) # $ % , - * + ) # $ (! % ' #) $ (! % ' #) - , . % # $ + - - * + ) # & $ ! / 0 1 # 2 ' ( )

TX $16.77

CA $26.04

MT $13.55

NM $14.89AZ $17.52

NV $19.25CO $17.61

OR $16.28

WY $14.77ID $13.31

UT $15.26 KS $14.34

NE $13.49

SD $13.09

ND $14.19

OK $13.25

MO $14.31

WA $18.65

IA $13.26

NC $14.37

NY $24.87PA $17.33

TN $14.02

MN $16.46

IL $17.34

FL $19.39

WI $14.76

GA $15.57

AR $12.56

AL $13.13

LA $15.45

MS $13.59

MI $15.08

VA$20.93KY $12.69

OH$13.84IN

$14.03

ME $16.19

SC $14.55

WV $12.80

VT $19.36NH $20.18

NJ $24.92

PR $10.19

MD $24.94

MA $24.08CT $23.02

DE $20.09

RI $17.86

DC $28.25

HI $31.54AK $21.63

2014 TWO-BEDROOM HOUSING WAGE

HOUSING WAGEBelow $14.50Between $14.50 and $21.75Above $21.75

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RENTER HOUSEHOLDS�� � �� �� � � � � � � � � � � �� �� ��� � �� �� � � �� � � � � � � � �AREA MEDIAN INCOME (AMI)� � �� � � �� �� � �� � � � � ��� � � �� � �� � � � � � �� � � � �� � � �� � �� � �� � � � � � �� � � � � � � � � � � � �� � �� � �� � � � � � �� � � � � � � � � �� � �� � �� � � � � � �� � � � � ��� �! " #$HOUSING COSTS % � � & � � �� �� � � ��� � �� ��� � � �'�� � � � & � � (� � �� � � &� & �� ��� � � � � � � ��� � � �� � � � � �� � �)� � � �' �� � � � �� � � � �' ��� � �� � � � � � � � � �� � � � & � � (� � �� � � � � � �� � �� ��� � � � � � � � ��� � �� � � � � � � � �FY14 HOUSING WAGE

* +, -, . , / 0 12 3 / 34 0 5 14 5 2 6 7 64 8 1 6 4 3 92 6 : / 6 : ;4 5 82 9 3 54 5 6< 5 6 4 5 5 < 5 :5 < 1 5 < 34 / 9 94 / /2 9 6 9* +, = >, 7 :2 5 : :4 / 7 84 5 2 7 1 14 5 2 5 3 / 4 0 02 7 1 / 6 8 ;4 3 62 1 / 94 3 5 < 8 6 4 5 8< / :3< 1 5 < 64 1 / 14 9 72 / 3 3*? @A B C, 1 5 32 0 6 74 0 6 14 5 2 0 8 34 7 5 5 4 6 82 0 0 9 6 0 ;4 5 92 / 6 74 5 9< / 3 4 5 0< / 03< 3 5 < 34 9 / 84 / 12 0 8 3*? >, C =, = 6 8 72 7 1 64 6 7 54 5 2 6 : 34 8 / 6 4 3 82 5 5 / 6 6 ;4 5 /2 8 3 04 5 3< / 8 4 5 5 < : 95 < 9 5 < 54 / 9 /4 / 32 : 1 :D, + @ E B ? C @, /2 0 1 92 7 6 04 / 3 74 5 2 9 8 34 5 2 6 / 0 4 / 02 5 8 1 0 0 ;4 3 5 2 5 0 34 3 8< : 0 4 5 1< / :6< 6 5 < 04 7 8 34 9 :2 0 9 6FG H G I J K G L L MN M O PQR R SQ S N M TRQU S L Q T LN L P T T V WQ P P N O P PQ S XY L S Q S VY U OP Y P S Y PQ X XRQ X TN V O XFG Z Z [ \ ] \ _ ] V T ON L P VQ L L PQ P N P O XQ S N S U X Q V XN MU O T P WQ P LN V M XQ P TY O P Q S R Y XRP Y L S Y RQ M S UQ M MN P U O` [ H J a J I [ U S N P M MQR V LQ S N M S UQ S N O V V Q V S N X X M P X WQ P S N M T SQ P OY OU Q S R Y O SP Y M S Y TQ X M OQ X PN X LUb @ = c? @d c B E D B +e . - @, 5 / :2 6 6 74 1 : 64 32 8 9 /4 5 2 0 8 7 4 / 12 9 8 : / 1 ;4 6 32 5 : :4 3 1< 3 / 4 3 /< / 36< 0 5 < 54 5 2 6 3 94 5 : 92 : : :f + B ? @ g, 32 3 1 5 2 8 5 64 0 3 84 5 2 0 5 74 5 2 : : 1 4 0 :2 6 6 / 6 3 ;4 5 92 : 3 /4 5 7< 6 7 4 5 6< 9 63< 0 5 < 04 9 5 04 / 82 9 0 7hi B ? j @, 5 2 5 7 62 5 7 :4 0 6 84 5 2 0 / 34 1 : 7 4 6 32 6 9 / 6 0 ;4 5 92 0 3 94 5 /< / 9 4 5 6< / 93< 5 5 < 54 9 : /4 / 12 : 7 :k, l, @ @ 5 1 92 5 1 /4 / 1 54 5 2 7 6 94 5 2 8 0 : 4 8 /2 8 : : 0 3 ;4 3 62 3 6 74 6 5 < / 0 4 5 6< 1 80< 0 3< 64 9 3 54 9 92 0 8 6m g, n B 5 9 32 9 1 /4 0 5 34 5 2 6 9 64 8 7 3 4 3 92 8 7 / 6 : ;4 5 82 0 9 54 5 6< 6 5 4 5 :< / 05 < 1 5 < 64 / 0 14 / 02 7 : 6m + + @ C B @ = 5 2 / 3 /2 9 / 04 / 5 94 5 2 9 3 04 7 : 3 4 6 82 : 8 0 6 3 ;4 3 :2 8 7 34 5 9< 6 0 4 5 0< 0 :3< 5 5 < 34 9 0 74 8 12 7 9 6m C g @, C, 9 3 72 : 0 14 0 / 34 5 2 / : 84 9 3 7 4 3 72 5 9 3 3 7 ;4 5 12 : 9 84 5 0< : 6 4 5 5 < 8 35 < 7 5 < 34 8 : 04 8 :2 3 / 6m B l, 6 6 /2 5 9 14 / : 54 5 2 8 9 54 8 1 7 4 3 92 / 9 8 3 9 ;4 3 :2 : 0 74 5 6< 3 8 4 5 :< / 85 < 1 5 < 64 / 0 74 8 82 1 6 :o, C =, = 6 / 32 8 : 74 0 9 94 5 2 / 7 54 9 0 8 4 3 72 1 3 / 6 3 ;4 5 72 : 7 84 5 0< 6 0 4 5 5 < 7 63< : 5 < 34 8 3 :4 8 62 8 / 3oi C ce d >p / 3 72 / : 74 0 3 64 5 2 0 : 74 8 8 : 4 3 82 6 7 6 6 5 ;4 5 82 7 : 84 5 3< 8 7 4 5 5 < : :5 < 1 5 < 34 / 9 34 / 82 6 / 6q Be @ = @, C, / / 62 / 6 04 0 3 84 5 2 0 3 54 1 : 0 4 6 32 5 0 / 6 6 ;4 5 92 : 0 84 5 /< 0 / 4 5 3< 9 53< 5 5 < 34 8 8 54 / 82 1 3 :r, @ Ci 5 / 02 0 8 64 0 9 54 5 2 / 8 74 1 0 3 4 6 62 8 9 5 3 1 ;4 5 12 1 3 14 5 8< 5 7 4 7< 7 73< 3 5 < 84 / 3 :4 8 32 9 8 5r, ? p +, C g 8 1 32 6 6 04 8 1 :4 32 3 8 84 5 2 3 7 9 4 / 5 2 1 9 5 6 3 ;4 3 92 5 7 84 3 0< 7 0 4 5 /< 6 56< 0 5 < 84 9 7 84 7 :2 8 / 0r, = =, d ne =i c c = 7 3 72 9 6 /4 8 6 14 32 5 3 14 5 2 3 / 3 4 / :2 : 7 : 6 9 ;4 3 /2 / 6 34 3 0< : 1 4 5 9< 0 96< : 5 < 04 7 : 74 1 /2 5 : 9r @d n @ j, C 5 2 : 6 12 9 5 14 0 8 64 5 2 / 0 64 9 1 0 4 6 5 2 6 8 1 3 9 ;4 5 12 / 5 34 5 /< : 1 4 5 5 < 1 13< : 5 < 64 8 5 14 8 5 2 9 : 1r @ C Ci = B c, / 8 92 5 / 84 / 8 14 5 2 1 7 64 1 / 8 4 6 02 3 3 8 3 9 ;4 3 32 9 5 54 5 8< 0 8 4 5 3< / /3< 6 5 < 64 8 / 64 9 /2 9 : 6r @ = = @ = = @s s @ 6 3 92 3 9 14 6 8 94 5 2 3 3 04 9 : 9 4 3 12 3 9 5 6 : ;4 5 02 8 7 34 5 6< / 7 4 5 :< 5 85 < 7 5 < 64 / 3 74 0 12 7 9 3r @ = = Be ? @ 9 6 5 2 1 1 54 0 / 14 5 2 / 3 94 9 0 0 4 3 72 9 / / 6 5 ;4 5 12 6 3 :4 5 0< 6 5 4 5 3< 5 /5 < 7 5 < 34 8 6 34 8 5 2 : 8 /r B C c, C, 5 3 92 8 7 34 0 0 04 5 2 0 9 74 9 : / 4 3 12 5 1 6 6 5 ;4 5 92 9 0 04 5 6< / / 4 5 :< 1 55 < 9 5 < 64 / 8 34 / 72 5 0 9tu v w x xy z {| } ~� v z� � �� z� � z� � � � � � �� �� �� z| ~ ~� | � �� � �� { � �| � {| z { y x � �� � { � � � � y �� y z� � �| � t � � y x � z y � � � � � y � � y � � z y � �� y � � � � � � y � ���� u � � �� � � � �| ~ �� | z � � � � �| � z �| z �� � �� � � � � � �� � � � t �� � u w � � � � � � �| ~ �� | z � � � � w z� | �� { �| � � � � y � ��u � �� x� { � z| ~ � �| � {| z { xy z � � � z� � � ~� ~ y   � � � y � � � y � � � � y ~ { �� � y � � � y � � � � ~ � {� � � �¡ � �� � � x � � | { ¢ � � �� � � ���

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