✷✞ ➋❚✟ ❖✠✄ ✡❱ ✡ ✫ ✠❆✥ ✡ ☛☞❚❨ ✟ ✡❆✌✁
ÝÞßàÝÞáÞâß
➊➌➍➎➏➍➐➑➒ ➓➔➌→ ➣↔↕➑ ➙➛
t✈❜ ♦❣s✇❜❛ ②s❣❤❧ ❧❢ ③❢✇❜❛
②❣ ⑥❜♦❛⑦ ④❦❧ ❧❢ ⑤♣♦❣ ⑥❢❛ ❧✈❜
②❣❜➜②❧♦④♣❜ q❢✇❣❧❦❛❣sr
❷②❣♦❣③②♦♣ ⑤♣♦❣❣❜❛s s♦♠ ❧✈❜
⑥❢♣♣❢✇②❣❝ ♦③❧②❢❣s ③♦❣ ✈❜♣⑤
⑨♦❺❜ ♠❢❦❛ ⑨❢❣❜♠ ♣♦s❧r
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➦❧❢③❺s ✈♦➜❜ ➪❦♦q❛❦⑤♣❜q
s②❣③❜ ❼♦❛③✈ ➁⑦ ➽❶❶➁⑦ ❧✈❜ ④❜①
❝②❣❣②❣❝ ❢⑥ ❧✈❜ ③❦❛❛❜❣❧ ④❦♣♣
⑨♦❛❺❜❧r ❼❜♦❣✇✈②♣❜⑦ ❛❜❧❦❛❣s
❢❣ ④❢❣qs ♦❣q ③♦s✈ ❛❜⑨♦②❣
♣❢✇r ❸❣➜❜s❧❢❛s ✇✈❢ ✈♦➜❜❣❤❧
❛❜❝❦♣♦❛♣♠ ❛❜④♦♣♦❣③❜q ④♦③❺
❧❢ ♦ ❧♦❛❝❜❧ ⑨②❹ ❢⑥ s❧❢③❺s⑦
④❢❣qs ♦❣q ③♦s✈ ⑤❛❢④♦④♣♠
✈♦➜❜ ✇♦♠ ❧❢❢ ⑨❦③✈ ❢⑥ ❧✈❜②❛
⑤❢❛❧⑥❢♣②❢s ②❣ s❧❢③❺sr
t✈❜ ❧②⑨❜ ❧❢ ❛❜④♦♣♦❣③❜ ②s
❣❢✇⑦ ④❜⑥❢❛❜ ⑨♦❛❺❜❧s s❧♦❛❧
④❦③❺②❣❝ ♦❣q ⑨♦❺②❣❝ ②❧ ✈♦❛q①
❜❛ ❧❢ ❧✈②❣❺ ❛♦❧②❢❣♦♣♣♠rt✈❜
❛②❝✈❧ ♦ss❜❧ ♦♣♣❢③♦❧②❢❣ q❜⑤❜❣qs
❢❣ ♠❢❦❛ ②❣③❢⑨❜ ❣❜❜qs ♦❣q
❛②s❺ ❧❢♣❜❛♦❣③❜⑦ ♦⑨❢❣❝ ❢❧✈❜❛
⑥♦③❧❢❛s⑦ ④❦❧ ⑨♦❣♠ ➤❣♦❣③②♦♣
⑤♣♦❣❣❜❛s ❛❜③❢⑨⑨❜❣q ✈♦➜②❣❝
♦ ⑥❜✇ ♠❜♦❛s❤ ✇❢❛❧✈ ❢⑥ ✇②❧✈①
q❛♦✇♦♣s ②❣ s♦⑥❜❛ ②❣➜❜s❧⑨❜❣❧s
❧❢ ⑨②❧②❝♦❧❜ ❧✈❜ ❦❛❝❜ ❧❢ s❜♣♣
✇✈❜❣ s❧❢③❺s ⑥♦♣♣r
♥❜❛❧②➤❜q ➤❣♦❣③②♦♣ ⑤♣♦❣①
❣❜❛ ➳♦✇❛❜❣③❜ ➧❜♣♣❜❛ ❢⑥
❼❜♣➜②♣♣❜⑦ ➭❜✇ Ü❢❛❺⑦ ❦s❜s ❧✈❜
➝④❦③❺❜❧➠ s❧❛♦❧❜❝♠ ❧❢ ♦➜❢②q
s❜♣♣②❣❝ ②❣ q❢✇❣ ⑨♦❛❺❜❧sr
❰Ï➄Ð➆❮
➊➌➍➎➏➍➐➑➒ ➓➔➌→ ➣↔↕➑ ➙➛
♠❜♦❛s⑦ ❷♦③❜④❢❢❺⑦ ✇♦s❣❤❧
❜➜❜❣ ⑤❦④♣②③♣♠ ❧❛♦q❜q ✇✈❜❣
❧✈❜ ④❦♣♣ ⑨♦❛❺❜❧ ④❜❝♦❣r
❷♦③❜④❢❢❺❤s ✈❦❝❜ ❛❦❣①❦⑤ ❢⑥
⑨❢❛❜ ❧✈♦❣ ➀❿❶ ⑤❜❛③❜❣❧ s②❣③❜
❝❢②❣❝ ⑤❦④♣②③ ②❣ ➽❶➂➽⑦ ❻⑤⑤♣❜❤s
s❧❜♦q♠ ⑨♦❛③✈ ❧❢ ➾➂ ❧❛②♣♣②❢❣
②❣ ➜♦♣❦❜⑦ ♦❣q ✈❦❝❜ ❝♦②❣s ④♠
❢❧✈❜❛ ❧❜③✈ ③❢⑨⑤♦❣②❜s ♣②❺❜
➭❜❧➚②❹ ✈♦➜❜ ✈❜♣⑤❜q ⑤❦s✈ ❧✈❜
④❛❢♦q❜❛ ⑨♦❛❺❜❧ ✈②❝✈❜❛r
➦②❣③❜ ❧✈❜ ❛♦♣♣♠ ❢⑥➤③②♦♣♣♠
④❜❝♦❣ ❢❣ ❼♦❛③✈ ➁⑦ ➽❶❶➁⑦ ❧✈❜
➦❧♦❣q♦❛q ♦❣q ➨❢❢❛❤s ❿❶❶
✈♦s ❛②s❜❣ ➀➽➂ ⑤❜❛③❜❣❧r ❸❣
❧✈❜ ➂➁➁❶s ④❦♣♣ ⑨♦❛❺❜❧⑦ ❧✈❜
③❦❛❛❜❣❧ ❛❜③❢❛q ✈❢♣q❜❛ ⑥❢❛
❧✈❜ ♣❢❣❝❜s❧⑦ s❧❢③❺s ❛❢s❜ ➸➂⑩
⑤❜❛③❜❣❧r
❷❛❢⑨ ❧✈❜ s❧♦❛❧⑦ ❧✈❜ ❷❜q①
❜❛♦♣ ➟❜s❜❛➜❜ ✇♦s ♦ ④②❝ ⑥❢❛③❜
⑤❦s✈②❣❝ ⑨♦❛❺❜❧s ✈②❝✈❜❛r ❸❧
s♣♦s✈❜q s✈❢❛❧①❧❜❛⑨ ④❢❛❛❢✇①
②❣❝ ❛♦❧❜s ❧❢ ➡❜❛❢⑦ ❧✈❜❣ ④❜❝♦❣
④❦♠②❣❝ ❧❛②♣♣②❢❣s ❢⑥ q❢♣♣♦❛s ❢⑥
④❢❣qs ❧❢ ⑤❦s✈ ♣❢❣❝❜❛①❧❜❛⑨
❛♦❧❜s q❢✇❣⑦ ❧❢❢r ❸❣➜❜s❧❢❛s
⑥❛❦s❧❛♦❧❜q ✇②❧✈ ❧②❣♠ ②❣❧❜❛❜s❧
⑤♦♠⑨❜❣❧s ❢❣ ④❢❣qs ⑥❜♣❧ ❧✈❜♠
✈♦q ❣❢ ♦♣❧❜❛❣♦❧②➜❜ ④❦❧ ❧❢
⑤②♣❜ ②❣❧❢ s❧❢③❺sr
➼➉➼➈➆
➊➌➍➎➏➍➐➑➒ ➓➔➌→ ➣↔↕➑ ➙➛
♥♠③♣❜ ❵❛❜❝❢❣ ❢➜❜❛❣②❝✈❧ ➜②s②❧
②s ➝➞♣❝②❣ ➟❜⑨❜⑨④❜❛sr➠
t✈②s ❧✈❜⑨❜ ❜⑨⑤✈♦s②➡❜s
❧✈❜ ❜❹③②❧❜⑨❜❣❧ ♦❣q ⑨❢❣❜♠
❧✈❜ ❜➜❜❣❧ ④❛②❣❝s ②❣❧❢ ❧✈❜
③❢⑨⑨❦❣②❧♠ ♦❣q ②❧s ❢❛❝♦❣②➡♦①
❧②❢❣sr t❢ s✈❢✇ ②❧s ♦⑤⑤❛❜③②♦①
❧②❢❣⑦ ➞❽➢➞ ✈♦s ⑤♣♦❣❣❜q ♦
❝❛♦❣q ➝➤❣②s✈➠ ♣②❣❜ ②❣ ⑥❛❢❣❧ ❢⑥
❧✈❜ ✈②❝✈ s③✈❢❢♣ ♦❣q ②❣➜②❧❜s
♦♣♣ ➞♣❝②❣ ❛❜s②q❜❣❧s ❧❢ ③❢⑨❜
❧❢ ❧✈②s ♦❛❜♦ ④❜❧✇❜❜❣ ➂➂ ♦r⑨r
♦❣q ➥ ⑤r⑨r ➦❜⑤❧r ➂➂ ❧❢ ③✈❜❜❛
♦❣q ✇❜♣③❢⑨❜ ❧✈❜ ③♠③♣②s❧s ❧❢
❧❢✇❣r
➝t✈②s ♠❜♦❛ ❧✈❜ ♥♠③♣❜ ❵❛①
❜❝❢❣ ③♠③♣②s❧s ✇②♣♣ ④❜ ③♦⑨⑤②❣❝
♦❧ ❧✈❜ ➞♣❝②❣ ➧②❝✈ ➦③✈❢❢♣
⑥❢❢❧④♦♣♣ ➤❜♣q ♦❣q ✇②♣♣ ④❜ ❦s①
②❣❝ ⑨♦❣♠ ⑥♦③②♣②❧②❜s ❧✈❛❢❦❝✈①
❢❦❧ ➞♣❝②❣⑦➠ ➞❽➢➞ ➨❛❜s②q❜❣❧
♥②❣q♠ ♥✈♦❣q♣❜❛ s♦②qr
❻⑨❢❣❝ ❧✈❜ ✈❢s⑤②❧♦♣①
②❧♠ ⑤♣♦❣s ♦❛❜ ♦ s❧❜✇➩s❢❦⑤
s❦⑤⑤❜❛ ♦❧ ❧✈❜ ➞♣❝②❣ ♥❢⑨①
⑨❦❣②❧♠ ♥❜❣❧❜❛➫ ➝➨②③❺②❣❝ ❢❣
❧✈❜ ➨❢❛③✈➠ ♦❣q ④②❣❝❢ ♦❧ ❧✈❜
➦❧♦❝❜ ➦❧❢⑤ ❸❣❣⑦ ➂❶❶❶ ❽②➜②①
➃➄➅➆➇➈➉
➊➌➍➎➏➍➐➑➒ ➓➔➌→ ➣↔↕➑ ➙➛
❵❛❜❝❢❣❤s ❥❢❦❣❧♠ ♥♦♣❜❣q♦❛r
t✈❜ ♦✇♦❛q①✇②❣❣②❣❝ ③♦♣❜❣①
q♦❛ ③❜♣❜④❛♦❧❜s ♦♣♣ ♦s⑤❜③❧s
❢⑥ ❵❛❜❝❢❣ ♦❝❛②③❦♣❧❦❛❜ ♦❣q
s✈❢✇③♦s❜s ⑤✈❢❧❢s ❢⑥ ♦❣♠❧✈②❣❝
❧✈♦❧ q❜⑤②③❧s ❧✈❜ ④❜♦❦❧♠⑦ ③❦♣①
❧❦❛❜⑦ ❜❣⑧❢♠⑨❜❣❧⑦ ❧❜③✈❣❢♣❢❝♠
❢❛ ❧❛♦q②❧②❢❣ ❢⑥ ⑥♦⑨②♣♠ ⑥♦❛⑨②❣❝
♦❣q ❛♦❣③✈②❣❝r
t✈❜ ❵❛❜❝❢❣❤s ❥❢❦❣❧♠
♥♦♣❜❣q♦❛ ②s ⑨♦②♣❜q ❧❢ ❣❜♦❛♣♠
❲ ✁✂ ✄✁❆❨✱ ❆❯☎❯✄❚ ✆✆✱ ✆✝✶✽
BUSINESS & AG
➧❜♣♣❜❛ ❧♠⑤②③♦♣♣♠ ✈♦s ③♣②❜❣❧s
❺❜❜⑤ ❢❣❜ ❧❢ ❧✈❛❜❜ ♠❜♦❛s❤
✇❢❛❧✈ ❢⑥ ❜❹⑤❜❣s❜s ②❣ ③♦s✈⑦
⑤♣❦s s❜➜❜❣ ❧❢ ❣②❣❜ ♠❜♦❛s❤
✇❢❛❧✈ ②❣ ④❢❣qs⑦ ❝②➜②❣❝ ❧✈❜⑨
➂❶ ♠❜♦❛s ④❜⑥❢❛❜ ❧✈❜♠ ✇❢❦♣q
✈♦➜❜ ❧❢ s❜♣♣ ♦❣♠ s❧❢③❺sr
➭❜♦❛①❛❜❧②❛❜❜s ✇✈❢ ❦s❜
❧♦❛❝❜❧ q♦❧❜ ⑥❦❣qs ❢❛ ③❢⑨①
⑤❦❧❜❛②➡❜q ❛❢④❢①♦q➜②s❢❛s ❧❢
②❣➜❜s❧ ⑥❢❛ ❛❜❧②❛❜⑨❜❣❧ q❢❣❤❧
✈♦➜❜ ❧❢ ✇❢❛❛♠ ♦④❢❦❧ ❛❜❝❦♣♦❛
❛❜④♦♣♦❣③②❣❝ ➵ ❧✈♦❧❤s q❢❣❜
♦❦❧❢⑨♦❧②③♦♣♣♠r ❥❦❧ ❧✈❜♠ ⑨♦♠
✇♦❣❧ ❧❢ ③❢❣s②q❜❛ s✇②❧③✈②❣❝
❧❢ ♦ ⑨❢❛❜ ③❢❣s❜❛➜♦❧②➜❜ ⑨②❹
②⑥ s❧❢③❺s ⑨♦❺❜ ❦⑤ ❢➜❜❛ ✈♦♣⑥
❢⑥ ❧✈❜②❛ ⑤❢❛❧⑥❢♣②❢sr
⑥❢❛❝❢ ②❣➚♦❧②❢❣ ♦q⑧❦s❧⑨❜❣❧s
②❣ ④♦q ♠❜♦❛sr ❽❜❛❜❺ t✈♦❛⑤⑦
♦ ❛❜s❜♦❛③✈❜❛ ✇②❧✈ ➤❣♦❣①
③②♦♣ ⑤♣♦❣❣②❣❝ s②❧❜ ➬②❧③❜sr
③❢⑨⑦ ⑥❢❦❣q ❧✈♦❧ ❛❜❧②❛❜❜s
③❢❦♣q s❧♦❛❧ ♦❧ ♦❣ ②❣②❧②♦♣ ➸r❿
⑤❜❛③❜❣❧ ✇②❧✈q❛♦✇♦♣ ❛♦❧❜ ②⑥
❧✈❜♠ ✇❜❛❜ ✇②♣♣②❣❝ ❧❢ ❧❛②⑨
❧✈❜②❛ s⑤❜❣q②❣❝ ④♠ ➀ ⑤❜❛③❜❣❧
➵ ✇✈②③✈ ②s ❜➪❦②➜♦♣❜❣❧ ❧❢
❧✈❜ ♦➜❜❛♦❝❜ ②❣➚♦❧②❢❣ ♦q⑧❦s❧①
⑨❜❣❧ ➵ ♦⑥❧❜❛ ♠❜♦❛s ✇✈❜❣
❧✈❜②❛ ⑤❢❛❧⑥❢♣②❢s ♣❢s❜ ⑨❢❣❜♠r
➝Ü❢❦ q❢❣❤❧ ♦③❧❦♦♣♣♠ ③❦❧
♠❢❦❛ s⑤❜❣q②❣❝r Ü❢❦ ⑧❦s❧
q❢❣❤❧ ②❣③❛❜♦s❜ ②❧ ⑥❢❛ ②❣➚♦①
❧②❢❣⑦➠ s♦♠s ③❜❛❧②➤❜q ➤❣♦❣③②♦♣
⑤♣♦❣❣❜❛ ❼②③✈♦❜♣ ➬②❧③❜sr
Start smaller, or be
willing to cut back
➧②s❧❢❛②③♦♣♣♠⑦ ❛❜❧②❛❜❜s ③❢❦♣q
⑨②❣②⑨②➡❜ ❧✈❜ ❛②s❺ ❢⑥ ❛❦❣①
❣②❣❝ ❢❦❧ ❢⑥ ⑨❢❣❜♠ ④♠ ✇②❧✈①
q❛♦✇②❣❝ ➸ ⑤❜❛③❜❣❧ ❢⑥ ❧✈❜②❛
⑤❢❛❧⑥❢♣②❢s ②❣ ❧✈❜ ➤❛s❧ ♠❜♦❛ ❢⑥
❛❜❧②❛❜⑨❜❣❧ ♦❣q ②❣③❛❜♦s②❣❝
❧✈❜ ✇②❧✈q❛♦✇♦♣ ♦⑨❢❦❣❧ ④♠
❧✈❜ ②❣➚♦❧②❢❣ ❛♦❧❜ ❜♦③✈ ♠❜♦❛
♦⑥❧❜❛ ❧✈♦❧r t✈②s ♦⑤⑤❛❢♦③✈⑦
⑤②❢❣❜❜❛❜q ④♠ ➤❣♦❣③②♦♣
⑤♣♦❣❣❜❛ ♦❣q ❛❜s❜♦❛③✈❜❛ ❥②♣♣
❥❜❣❝❜❣⑦ ④❜③♦⑨❜ ❺❣❢✇❣ ♦s
❧✈❜ ➝➸ ⑤❜❛③❜❣❧ ❛❦♣❜r➠
➦❢⑨❜ ❛❜s❜♦❛③✈❜❛s ✇❢❛❛♠
❧✈♦❧ ❧✈❜ ❛❦♣❜ ⑨②❝✈❧ ❣❢❧
✇❢❛❺ ②❣ ❜❹❧❜❣q❜q ⑤❜❛②❢qs ❢⑥
♣❢✇ ❛❜❧❦❛❣sr ❵❣❜ ♦♣❧❜❛❣♦❧②➜❜
②s ❧❢ s❧♦❛❧ ✇②❧✈q❛♦✇♦♣s ♦❧
♦④❢❦❧ ➀ ⑤❜❛③❜❣❧r
❻❣❢❧✈❜❛ ♦⑤⑤❛❢♦③✈ ②s ❧❢
Pay off debt, maxmize
social security
➟❜q❦③②❣❝ ❜❹⑤❜❣s❜s ❧❛②⑨s
❧✈❜ ♦⑨❢❦❣❧ ❧✈♦❧ ❛❜❧②❛❜❜s
⑨❦s❧ ❧♦❺❜ ⑥❛❢⑨ ❧✈❜②❛ ⑤❢❛❧①
⑥❢♣②❢s q❦❛②❣❝ ④♦q ⑨♦❛❺❜❧sr
t✈♦❧❤s ✇✈♠ ❼❜♣②ss♦ ➦❢❧❦①
q❜✈⑦ ♦ ③❜❛❧②➤❜q ➤❣♦❣③②♦♣
⑤♣♦❣❣❜❛ ②❣ ➟❢③❺➜②♣♣❜⑦ ❼♦❛♠①
♣♦❣q⑦ ❛❜③❢⑨⑨❜❣qs ⑤♦♠②❣❝
❢⑥⑥ q❜④❧ ④❜⑥❢❛❜ ❛❜❧②❛❜⑨❜❣❧r
➦✈❜ ♦♣s❢ s❦❝❝❜s❧s ③♣②❜❣❧s
⑨♦❹②⑨②➡❜ ➦❢③②♦♣ ➦❜③❦❛②❧♠
③✈❜③❺sr ❥❜❣❜➤❧s ②❣③❛❜♦s❜
④♠ ♦④❢❦❧ ⑩①➹ ⑤❜❛③❜❣❧ ⑥❢❛
❜♦③✈ ♠❜♦❛ ⑤❜❢⑤♣❜ ⑤❦❧ ❢⑥⑥
s❧♦❛❧②❣❝ ➦❢③②♦♣ ➦❜③❦❛②❧♠
♦⑥❧❜❛ ♦❝❜ ➥➽r t✈❜ ⑨❢❛❜
❝❦♦❛♦❣❧❜❜q ②❣③❢⑨❜ ⑤❜❢⑤♣❜
✈♦➜❜⑦ ❧✈❜ ♣❜ss ❧✈❜♠ ⑨♦♠
✈♦➜❜ ❧❢ ♣❜♦❣ ❢❣ ❧✈❜②❛ ⑤❢❛❧①
⑥❢♣②❢sr
If needed, arrange more
guaranteed income
❸q❜♦♣♣♠⑦ ❛❜❧②❛❜❜s ✇❢❦♣q ✈♦➜❜
❜❣❢❦❝✈ ❝❦♦❛♦❣❧❜❜q ②❣③❢⑨❜
⑥❛❢⑨ ➦❢③②♦♣ ➦❜③❦❛②❧♠ ♦❣q ⑤❜❣①
s②❢❣s ❧❢ ③❢➜❜❛ ♦♣♣ ❢⑥ ❧✈❜②❛ ④♦s②③
❜❹⑤❜❣s❜s⑦ s❦③✈ ♦s ✈❢❦s②❣❝⑦
⑥❢❢q⑦ ❦❧②♣②❧②❜s⑦ ❧❛♦❣s⑤❢❛❧♦①
❧②❢❣⑦ ❧♦❹❜s ♦❣q ②❣s❦❛♦❣③❜⑦
s♦♠s➯♦q❜ ➨⑥♦❦⑦ ⑤❛❢⑥❜ss❢❛
❢⑥ ❛❜❧②❛❜⑨❜❣❧ ②❣③❢⑨❜ ♦❧ ❧✈❜
❻⑨❜❛②③♦❣ ♥❢♣♣❜❝❜ ❢⑥ ❷②❣♦❣①
③②♦♣ ➦❜❛➜②③❜sr ❸⑥ ❧✈❜♠ q❢❣❤❧⑦
❧✈❜♠ ⑨♦♠ ④❜ ♦④♣❜ ❧❢ ③❛❜♦❧❜
⑨❢❛❜ ❝❦♦❛♦❣❧❜❜q ②❣③❢⑨❜ ❦s①
②❣❝ ➤❹❜q ♦❣❣❦②❧②❜s ❢❛ ❛❜➜❜❛s❜
⑨❢❛❧❝♦❝❜s⑦ s♦♠s ➨⑥♦❦⑦ ♦❦❧✈❢❛
❢⑥ ➝➧❢✇ ❼❦③✈ ♥♦❣ ❸ ➦⑤❜❣q
②❣ ➟❜❧②❛❜⑨❜❣❧➘➠
❷②❹❜q ♦❣❣❦②❧②❜s ♦♣♣❢✇
④❦♠❜❛s ❧❢ ⑤♦♠ ♦ ♣❦⑨⑤ s❦⑨ ❧❢
♦❣ ②❣s❦❛♦❣③❜ ③❢⑨⑤♦❣♠ ❧♠⑤②①
③♦♣♣♠ ②❣ ❜❹③✈♦❣❝❜ ⑥❢❛ ⑨❢❣❧✈♣♠
⑤♦♠⑨❜❣❧s ❧✈♦❧ ③♦❣ ♣♦s❧ ♦
♣②⑥❜❧②⑨❜r ➟❜➜❜❛s❜ ⑨❢❛❧❝♦❝❜s
❝②➜❜ ⑤❜❢⑤♣❜ ♦❝❜ ➥➽ ♦❣q ❢♣q❜❛
♦③③❜ss ❧❢ ❧✈❜②❛ ❜➪❦②❧♠ ❧✈❛❢❦❝✈
♣❦⑨⑤ s❦⑨s⑦ ♣②❣❜s ❢⑥ ③❛❜q②❧
❢❛ ⑨❢❣❧✈♣♠ ⑤♦♠⑨❜❣❧s⑦ ♦❣q
❧✈❜ ④❢❛❛❢✇❜q ⑨❢❣❜♠ q❢❜s❣❤❧
✈♦➜❜ ❧❢ ④❜ ⑤♦②q ④♦③❺ ❦❣❧②♣
❧✈❜ ❢✇❣❜❛ s❜♣♣s⑦ q②❜s ❢❛ ⑨❢➜❜s
❢❦❧r
♥❢➜❜❛②❣❝ ❜❹⑤❜❣s❜s ✇②❧✈
❝❦♦❛♦❣❧❜❜q ②❣③❢⑨❜ ♦③❧❦♦♣♣♠
③♦❣ ⑥❛❜❜ ❛❜❧②❛❜❜s ❧❢ ❧♦❺❜ ⑨❢❛❜
❛②s❺ ✇②❧✈ ❧✈❜②❛ ②❣➜❜s❧⑨❜❣❧
⑤❢❛❧⑥❢♣②❢s⑦ ✇✈②③✈ ❢➜❜❛ ❧②⑨❜
③♦❣ ❝②➜❜ ❧✈❜⑨ ④❜❧❧❜❛ ❛❜❧❦❛❣s
♦❣q ⑨❢❛❜ ⑨❢❣❜♠ ❧❢ s⑤❜❣q ❢❛
♣❜♦➜❜ ❧❢ ❧✈❜②❛ ❺②qs⑦ ➨⑥♦❦ s♦②qr
➊➌➍➎➏➍➐➑➒ ➓➔➌→ ➣↔↕➑ ➙➛
s❧♦❧❜r
❻s ⑥❢❛ ❼②ss❢❦❛②❤s ③❢❛❣
③❛❢⑤⑦ ❣❜♦❛♣♠ ✈♦♣⑥ ❢⑥ ②❧ ✇♦s
♣②s❧❜q ♦s ⑤❢❢❛ ❢❛ ➜❜❛♠ ⑤❢❢❛⑦
♦③③❢❛q②❣❝ ❧❢ ❧✈❜ ⑨❢s❧ ❛❜①
③❜❣❧ ➲➦❽❻ ⑤❛❢❝❛❜ss ❛❜⑤❢❛❧r
❵❣♣♠ ♦④❢❦❧ ♦ ➪❦♦❛❧❜❛ ✇♦s
♣②s❧❜q ♦s ❝❢❢q ❢❛ ❜❹③❜♣♣❜❣❧r
t✈❜ q❛❢❦❝✈❧ ✈♦s ♦♣s❢
✈❦❛❧ ⑤♦s❧❦❛❜s⑦ ✇②❧✈ ♦④❢❦❧
❧✈❛❜❜①➪❦♦❛❧❜❛s ②❣ ⑤❢❢❛
❢❛ ➜❜❛♠ ⑤❢❢❛ ③❢❣q②❧②❢❣s⑦
♦③③❢❛q②❣❝ ❧❢ ❧✈❜ ➲➦❽❻
❛❜⑤❢❛❧r
❼♦❣♠ ⑤♦s❧❦❛❜s ✈♦➜❜❣❤❧
④❜❜❣ ♦④♣❜ ❧❢ s❦⑤⑤❢❛❧
❝❛♦➡②❣❝ ③♦❧❧♣❜⑦ ⑤❛❢⑨⑤❧②❣❝
⑥♦❛⑨❜❛s ❧❢ ⑥❜❜q ③♦❧❧♣❜ ✇②❧✈
✈♦♠ ❧✈♦❧ ⑨②❝✈❧ ❣❢❛⑨♦♣♣♠
④❜ s♦➜❜q ⑥❢❛ ✇②❣❧❜❛r ❸❧❤s ♦♣s❢
✈❦❛❧ ❧✈❜ ✈♦♠ ③❛❢⑤⑦ ✇✈②③✈ ②s
q❢✇❣ ♦④❢❦❧ ❢❣❜①❧✈②❛q ⑥❛❢⑨
❣❢❛⑨♦♣r
➝❸❧ ✈♦s ④❜❜❣ ♦ ➜❜❛♠ ④♦q
s❦⑨⑨❜❛ ⑥❢♣♣❢✇②❣❝ ♦ ➜❜❛♠
④♦q ✇②❣❧❜❛ ♦s ⑥♦❛ ♦s ❧✈❜
⑥❜❜q s❦⑤⑤♣♠⑦➠ s♦②q ➞♣q❢❣
♥❢♣❜⑦ ♦ ➲❣②➜❜❛s②❧♠ ❢⑥
❼②ss❢❦❛② ➞❹❧❜❣s②❢❣ ♣②➜❜①
s❧❢③❺ s⑤❜③②♦♣②s❧ ❢❦❧ ❢⑥
❼❧r ➷❜❛❣❢❣r ➝t✈❜ ✇②❣❧❜❛
✇♦s s❢ ♣❢❣❝ ♣♦s❧ ♠❜♦❛ ❧✈❜♠
✈♦q ❧❢ ⑥❜❜q ✈♦♠ ❦❣❧②♣ ❻⑤❛②♣r
t✈♦❧ ③♦❦s❜q ❧✈❜⑨ ❧❢ ❛❦❣
❢❦❧ ❢⑥ ✈♦♠⑦ ♦❣q ❧✈❜❣ ✇❜
q②q❣❤❧ ✈♦➜❜ ♦ ❝❢❢q ❝❛❢✇②❣❝
s❜♦s❢❣r➠
➬❜❣❧ ❻❛❣♦❦q⑦ ❿⑩⑦ s♦②q
❧✈②s ♠❜♦❛❤s q❛❢❦❝✈❧ ⑨♦♠
④❜ ❧✈❜ ✇❢❛s❧ s②❣③❜ ➂➁➹❶ ♦❧
❧✈❜ ➂⑦❿❶❶①♦③❛❜ ③♦❧❧♣❜ ⑥♦❛⑨
✈❜ ❢⑤❜❛♦❧❜s ✇②❧✈ ✈②s ⑥♦❧✈❜❛
♦❣q s❢❣ ❣❜♦❛ ❼❢❣❜❧❧ ②❣
s❢❦❧✈✇❜s❧❜❛❣ ❼②ss❢❦❛②r
❻❛❣♦❦q s♦②q ✈❜ ♦❣q ✈②s
❛❜♣♦❧②➜❜s ♦❛❜ s③❛♦⑨④♣②❣❝
❧❢ ➤❣q ❜❣❢❦❝✈ ⑥❜❜q ⑥❢❛
❧✈❜ ③♦❧❧♣❜ ❢➜❜❛ ❧✈❜ ✇②❣❧❜❛r
t✈❜♠❤➜❜ ❜➜❜❣ s❢♣q ❢⑥⑥ s❢⑨❜
③♦♣➜❜s ❜♦❛♣♠ s❢ ❧✈❜♠ ✇❢❣❤❧
✈♦➜❜ ❧❢ ⑥❜❜q ❧✈❜⑨ ②❣ ❧✈❜
③❢♣q①✇❜♦❧✈❜❛ ⑨❢❣❧✈sr
t✈❜ ③♦♣➜❜s ♦❛❜ ❧♠⑤②①
③♦♣♣♠ s❢♣q ②❣ ➭❢➜❜⑨④❜❛ ❢❛
❽❜③❜⑨④❜❛r
➝➲❣♣❜ss ✇❜ ❝❜❧ ♦❣ ♦✇①
⑥❦♣♣♠ ❝❢❢q ⑥♦♣♣⑦ ✇❜❤❛❜ ❝❢②❣❝
❧❢ ④❜ ⑤❛❜❧❧♠ ❣❜❛➜❢❦s ❝❢②❣❝
②❣❧❢ ❧✈❜ ✇②❣❧❜❛⑦➠ ❻❛❣♦❦q
s♦②qr ➝➯❜ ❣❜❜q s❜➜❜❛♦♣
❛❢❦❣qs ❢⑥ s❢♦❺②❣❝ ❛♦②❣ ♦❣q
③❢❢♣❜❛ ❧❜⑨⑤❜❛♦❧❦❛❜sr➠
➦❢⑨❜ ⑥♦❛⑨❜❛s ❦❣♦④♣❜ ❧❢
s❜♣♣ q❛❢❦❝✈❧①q♦⑨♦❝❜q ③❢❛❣
✇❜❛❜ ❦s②❣❝ ②❧ ⑥❢❛ ③♦❧❧♣❜ ⑥❜❜q⑦
♥❢♣❜ s♦②qr
t✈❜ ✇❜♦❧✈❜❛ ⑥❢❛❜③♦s❧ ❢⑥①
⑥❜❛s s❢⑨❜ ✈❢⑤❜r ❷❦③✈s s♦②q
⑨❢s❧ ❢⑥ ❼②ss❢❦❛② ②s ❜❹⑤❜③❧①
❜q ❧❢ ❝❜❧ ♦❧ ♣❜♦s❧ ♦❣ ②❣③✈
❢⑥ ❛♦②❣ ❢➜❜❛ ❧✈❜ ❣❜❹❧ ✇❜❜❺
❢❛ s❢⑦ ♦❣q s❢⑨❜ ❜s⑤❜③②♦♣♣♠
q❛♠ ♦❛❜♦s ②❣ ❣❢❛❧✈❜❛❣ ♦❣q
s❢❦❧✈❜❛❣ ❼②ss❢❦❛② ③❢❦♣q
s❜❜ ➽ ②❣③✈❜s ❢⑥ ❛♦②❣r
➝❸⑥ ✇❜ ③❢❦♣q s➪❦❜❜➡❜ ❧✈♦❧
❢❦❧ ❢⑥ ❧✈❜ ♦❧⑨❢s⑤✈❜❛❜⑦ ❧✈♦❧
✇❢❦♣q ③❜❛❧♦②❣♣♠ ④❜ ✈❜♣⑤⑥❦♣⑦➠
❷❦③✈s s♦②qr
➮➄➱✃❐❒❮
♥❢⑨⑤♦❣②❜s ⑨❢➜❜q ⑥♦s❧ ❧❢
♦q♦⑤❧ ❧❢ ❧✈❜ ⑤❢s❧①➤❣♦❣③②♦♣①
③❛②s②s ✇❢❛♣q ❢⑥ s♣❦❝❝②s✈ ➲r➦r
❝❛❢✇❧✈r
t✈❜♠ s♣♦s✈❜q ③❢s❧s ♦❣q
❺❜⑤❧ ✇♦❝❜ ❝❛❢✇❧✈ ♣❢✇⑦
s➪❦❜❜➡②❣❝ ⑤❛❢➤❧s ❢❦❧ ❢⑥
④♦❛❜♣♠ ❝❛❢✇②❣❝ s♦♣❜sr t✈❜♠
④❢❦❝✈❧ ④♦③❺ ✈❦❝❜ ♦⑨❢❦❣❧s
❢⑥ ❧✈❜②❛ ❢✇❣ s❧❢③❺ ♦❣q ❜❹①
⑤♦❣q❜q ❧✈❜②❛ s♦♣❜s ❢➜❜❛s❜♦s⑦
⑤♦❛❧②③❦♣♦❛♣♠ ❧❢ ♥✈②❣♦❤s
④❢❢⑨②❣❝ ❜③❢❣❢⑨♠r ➨❛❢➤❧
⑨♦❛❝②❣s ❛❜♦③✈❜q ❛❜③❢❛q ♣❜➜①
❜♣s⑦ ♦s ✇♦❝❜s s❦❣❺ ❧❢ ❛❜③❢❛q
♣❢✇s ♦s ⑨❜♦s❦❛❜q ♦❝♦②❣s❧
❧✈❜ s②➡❜ ❢⑥ ❜③❢❣❢⑨♠r
➝➯✈♦❧ ⑤❜❢⑤♣❜ ⑨②ss❜q ✇♦s
✈❢✇ ➪❦②③❺♣♠ ➲r➦r ③❢❛⑤❢❛♦①
❧②❢❣s ✇❜❛❜ ❛❜s❧❛❦③❧❦❛②❣❝
♦❣q ❛②❝✈❧①s②➡②❣❝ ❧✈❜⑨s❜♣➜❜s
❧❢ ❛❜❝♦②❣ ⑤❛❢➤❧♦④②♣②❧♠⑦➠ s♦②q
⑨❢❣❜♠ ⑨♦❣♦❝❜❛ ➶♦⑨❜s
❻④♦❧❜⑦ ✇✈❢ ⑤❦④♣②③♣♠ ❦❛❝❜q
②❣➜❜s❧❢❛s ❧❢ s❧♦❛❧ ④❦♠②❣❝
s❧❢③❺s ②❣ ❜♦❛♣♠ ➽❶❶➁ ✇✈❜❣
⑨❢s❧ ✇❜❛❜ q❦⑨⑤②❣❝ ❧✈❜⑨r
➝❸❧ ✇♦s ❛❜♦♣♣♠ ♦ ③♦❧♦♣♠s❧ ⑥❢❛
❧❦❛❣②❣❝ ❧✈②❣❝s ♦❛❢❦❣qr➠
♥✈②❣♦❤s s❦❛❝②❣❝ ❝❛❢✇❧✈
✈❜♣⑤❜q ❧✈❜ ⑨♦❛❺❜❧⑦ ❧❢❢r ❸❧s
④❢❢⑨ q❛❢➜❜ ❦⑤ ❧✈❜ ⑤❛②③❜ ❢⑥
❢②♣ ♦❣q ❢❧✈❜❛ ③❢⑨⑨❢q②❧②❜s⑦
✈❜♣⑤②❣❝ ❧❢ ♣②⑥❧ s❧❢③❺s ❢⑥ ➲r➦r
❣♦❧❦❛♦♣ ❛❜s❢❦❛③❜ ③❢⑨⑤♦❣②❜s
➵ ⑥❢❛ ♦ ✇✈②♣❜ ♦❧ ♣❜♦s❧r
t✈❜❣ ③♦⑨❜ ♦ q❢✇❣❝❛♦q❜
❢⑥ ❧✈❜ ➲r➦r ③❛❜q②❧ ❛♦❧②❣❝ ②❣
❻❦❝❦s❧ ➽❶➂➂⑦ ✇✈②③✈ ③♦❦s❜q
s❧❢③❺s ❧❢ s✇❢❢❣⑦ ♦❣q ➽❶➂➀
④❛❢❦❝✈❧ ♦❣❢❧✈❜❛ ⑥♦♣♣ ♦s ❷❜q
♥✈♦②❛⑨♦❣ ❥❜❣ ❥❜❛❣♦❣❺❜
❧♦♣❺❜q ❢⑥ ❜♦s②❣❝ ❢⑥⑥ s❧②⑨❦♣❦s
⑤❢♣②③②❜sr ❸❣ ❧✈❜ s❜③❢❣q ✈♦♣⑥
➽❶➂➸⑦ ❢②♣ ⑤♣❦❣❝❜q ❿❶ ⑤❜❛③❜❣❧⑦
✇✈②③✈ ❛♦❧❧♣❜q ②❣➜❜s❧❢❛s
♦❝♦②❣r
➨❛❢➤❧s s❧♦❛❧❜q ⑥♦♣♣②❣❝ ❧✈❜
❣❜❹❧ ♠❜♦❛⑦ ④❦❧ ②❣➜❜s❧❢❛s ❺❜⑤❧
❧✈❜②❛ ❣❜❛➜❜ ♦❣q q②q❣❤❧ s❜♣♣
♦❣q ✇♦②❧❜q ⑥❢❛ ⑤❛❢➤❧s ❧❢ ❛②s❜
♦❝♦②❣r ❸❣ ➽❶➂➥⑦ s❧❢③❺s ❝♦②❣❜q
➂❶ ⑤❜❛③❜❣❧ ❧✈❜❣ ⑧❦⑨⑤❜q ➂➁
⑤❜❛③❜❣❧ ❧✈❜ ❣❜❹❧ ♠❜♦❛r ➦②❣③❜
❧✈❜ s❧♦❛❧ ❢⑥ ➽❶➂➹⑦ ❧✈❜♠ ✈♦➜❜
❛②s❜❣ ➥r➥ ⑤❜❛③❜❣❧⑦ ④❢❢s❧❜q ④♠
s❦❛❝②❣❝ ⑤❛❢➤❧s ⑥❢♣♣❢✇②❣❝ ❧✈❜
⑨♦ss②➜❜ ③❦❧ ②❣ ③❢❛⑤❢❛♦❧❜ ❧♦❹
❛♦❧❜s ❜♦❛♣②❜❛ ❧✈②s ♠❜♦❛r
➦❜➜❜❛♦♣ q♦❣❝❜❛s ❧✈❛❜♦❧❜❣
❧✈❜ ❛♦♣♣♠r
t✈❜ ❷❜q ✈♦s ✈②❺❜q ②❧s
④❜❣③✈⑨♦❛❺ ♣❜❣q②❣❝ ❛♦❧❜
❧✇②③❜ s②❣③❜ ➶♦❣❦♦❛♠⑦ ♦❣q ②s
❜❹⑤❜③❧❜q ❛♦②s❜ ②❧ ❧✇②③❜ ⑨❢❛❜
④♠ ❧✈❜ ❜❣q ❢⑥ ❧✈❜ ♠❜♦❛r
➦❧❢③❺s ③❢❦♣q s❦⑥⑥❜❛ ♦s
✈②❝✈❜❛ ②❣❧❜❛❜s❧ ❢❣ ④❢❣qs
③❢❣➜②❣③❜s ②❣➜❜s❧❢❛s ❧❢ s❧♦❛❧
s✈②⑥❧②❣❝ ⑨❢❣❜♠ ②❣❧❢ ❧✈②s
s♦⑥❜❛ ♦♣❧❜❛❣♦❧②➜❜r ➧②❝✈❜❛
❛♦❧❜s ♦♣s❢ ②❣③❛❜♦s❜ ③❢s❧s ⑥❢❛
④❦s②❣❜ss ♦❣q ⑨♦❺❜ ❜❹⑤♦❣q①
②❣❝ ❢⑤❜❛♦❧②❢❣s ⑨❢❛❜ q②⑥➤③❦♣❧r
❼❢❛❜ ✇❢❛❛②s❢⑨❜⑦ ❛②s②❣❝
❛♦❧❜s ③♦❣ ❧❛②❝❝❜❛ ❛❜③❜ss②❢❣s⑦
✇✈②③✈ ❢⑥❧❜❣ ❺②♣♣ ④❦♣♣ ⑨♦❛①
❺❜❧sr t✈❛❜❜ ❢⑥ ❧✈❜ ⑤♦s❧ ➤➜❜
❛❜③❜ss②❢❣s ✇❜❛❜ ⑤❛❜③❜q❜q
④♠ ❛♦❧❜ ✈②❺❜s ④♠ ❧✈❜ ❷❜q❜❛♦♣
➟❜s❜❛➜❜r
➯②❧✈ s❧❢③❺s ❛②③✈♣♠ ⑤❛②③❜q⑦
❧✈❜❛❜ ②s❣❤❧ ⑨❦③✈ ❛❢❢⑨ ⑥❢❛
❧✈②❣❝s ❧❢ ❝❢ ✇❛❢❣❝r
t✈❜ ⑤❛②③❜s ②❣➜❜s❧❢❛s ♦❛❜
⑤♦♠②❣❝ ⑤❜❛ s✈♦❛❜ ⑥❢❛ ③❢⑨⑤♦①
❣②❜s ♦❛❜ ➽r➽ ❧②⑨❜s ❛❜➜❜❣❦❜
⑤❜❛ s✈♦❛❜⑦ ❣❜♦❛ ✈②s❧❢❛②③
⑤❜♦❺sr ❻❣q ⑤❛②③❜s ③❢⑨⑤♦❛❜q
❧❢ ♣❢❣❝①❧❜❛⑨ ❜♦❛❣②❣❝s ♦❛❜
⑨❦③✈ ✈②❝✈❜❛ ❧✈♦❣ ②❣ ➽❶❶⑩
④❜⑥❢❛❜ ❧✈❜ ⑨♦❛❺❜❧ ③❛♦s✈❜qr
❷❢❛ ♦♣♣ ②❧s ♣❢❣❝❜➜②❧♠ ♦❣q
❝♦②❣s⑦ ❧✈❜ ➤❣♦♣ ➜❜❛q②③❧ ❢❣
❧✈❜ ④❦♣♣ ⑨♦❛❺❜❧ ✇❢❣❤❧ ④❜
❺❣❢✇❣ ❦❣❧②♣ ②❧ ❜❣qsr
t✈❜ ➤❣♦❣③②♦♣ ③❛②s②s ❢⑥
➽❶❶➹ ❧✈♦❧ ❜❣q❜q ❧✈❜ ♣♦s❧ ④❦♣♣
⑨♦❛❺❜❧ ♣♦②q ④♦❛❜ ⑧❦s❧ ✈❢✇
⑨❦③✈ q❜④❧ ♦❣q ❛②s❺①❧♦❺②❣❝
✈♦q ⑥❦❜♣❜q ❝♦②❣s ②❣ ❧✈❜
⑤❛❜➜②❢❦s s❜➜❜❣ ♠❜♦❛sr t✈❜
q❢❧①③❢⑨ ④❦s❧ ❧✈♦❧ ❜❣q❜q ❧✈❜
➁❶s ❛♦♣♣♠ s✈❢✇❜q ✈❢✇ ❛❜③❺①
♣❜ss ②❣➜❜s❧❢❛s ✈♦q ④❜❜❣r
t✈②s ❧②⑨❜⑦ ⑨♦❣♠ ❢⑥ ❧✈❜ ❦❣①
♦❣s✇❜❛❜q ➪❦❜s❧②❢❣s ③❢❣③❜❛❣
❧✈❜ ❷❜q❤s ⑨❢❣❜❧♦❛♠ s❧②⑨❦♣❦sr
➧❢✇ ⑨❦③✈ q②q ②❧ ✈❜♣⑤
④❢❢s❧ s❧❢③❺s⑦ ♦❣q ❧✈❦s ❧✈❜
④❛❢♦q❜❛ ❜③❢❣❢⑨♠➘ ➯②♣♣
❧✈❜ ❝♦②❣s ②❧ ✈❜♣⑤❜q ⑨♦❣❦①
⑥♦③❧❦❛❜ ⑤❛❢➜❜ ❜⑤✈❜⑨❜❛♦♣➘
➯✈♦❧ ♦❛❜ ❧✈❜ ♣❢❣❝①❧❜❛⑨
③❢s❧s ❢⑥ ②❧s ❦❣⑤❛❜③❜q❜❣❧❜q
❜③❢❣❢⑨②③ ❛❜s③❦❜ ❜⑥⑥❢❛❧ ♦s
②❧ ⑥♦③❜s ❧✈❜ ❧❛②③❺♠ ❧♦s❺ ❢⑥
❦❣✇②❣q②❣❝ ②❧s s❧②⑨❦♣❦s
⑤❛❢❝❛♦⑨➘
❻❣❢❧✈❜❛ ➪❦❜s❧②❢❣ ②s ❧✈❜
✇②sq❢⑨ ❢⑥ s❢ ⑨♦❣♠ ④❦♠①
④♦③❺sr ♥❢⑨⑤♦❣②❜s ✈♦➜❜
s⑤❜❣❧ ❧❛②♣♣②❢❣s ②❣ ❛❜③❜❣❧
♠❜♦❛s ❛❜⑤❦❛③✈♦s②❣❝ ❧✈❜②❛
❢✇❣ s❧❢③❺⑦ ✇✈②③✈ ✈♦s ✈❜♣⑤❜q
♣②⑥❧ ⑤❛②③❜s ②❣ ❧✈❜ s✈❢❛❧ ❧❜❛⑨
④❦❧ q❢❜s ❣❢❧✈②❣❝ ❧❢ ❜❹⑤♦❣q
❢⑤❜❛♦❧②❢❣s⑦ ❧❛♦②❣ ✇❢❛❺①
❜❛s ♦❣q ❝❜❣❜❛♦♣♣♠ ②⑨⑤❛❢➜❜
❧✈❜②❛ ④❦s②❣❜ssr ❼♦❣♠ ❢⑥ ❧✈❜
⑤❦❛③✈♦s❜s ✇❜❛❜ ⑨♦q❜ ✇②❧✈
④❢❛❛❢✇❜q ⑨❢❣❜♠⑦ ♦qq②❣❝ ❧❢
♦♣❛❜♦q♠ s②➡♦④♣❜ q❜④❧sr
❻④♦❧❜⑦ ❧✈❜ ⑨❢❣❜♠ ⑨♦❣①
♦❝❜❛ ✇✈❢ ❦❛❝❜q ⑤❜❢⑤♣❜ ❧❢
④❦♠ ❜♦❛♣♠ ②❣ ➽❶❶➁⑦ s♦♠s s❧❢③❺
⑤❛②③❜s ♦❛❜ ❧❢❢ ✈②❝✈ ❝②➜❜❣ ❧✈❜
❧✈❛❜♦❧ ❧❢ ⑤❛❢➤❧s ⑥❛❢⑨ ✈②❝✈❜❛
④❢❛❛❢✇②❣❝ ③❢s❧s ♦s ❛♦❧❜s
③♣②⑨④⑦ ✈②❝✈❜❛ ②❣⑤❦❧ ③❢s❧s
⑥❛❢⑨ t❛❦⑨⑤❤s ❧♦❛②⑥⑥s ♦❣q⑦
⑤❢ss②④♣♠⑦ ④②❝❝❜❛ ❛♦②s❜s ⑥❢❛
✇❢❛❺❜❛s ②❣ ❧✈❜ ⑥❦❧❦❛❜r
➝➨❛❢➤❧s ♦❛❜ ⑤❜♦❺②❣❝ ♦❣q
➜♦♣❦♦❧②❢❣s ♦❛❜ ❜❹❧❛❜⑨❜⑦➠
s♦②q ❻④♦❧❜⑦ ③✈②❜⑥ ②❣➜❜s❧⑨❜❣❧
❢⑥➤③❜❛ ❢⑥ ♥❜❣❧❛❜ ❻ss❜❧ ❼♦❣①
♦❝❜⑨❜❣❧r
➧②s ⑤❛❜q②③❧②❢❣ ②s ❧✈♦❧
s❧❢③❺s ✇②♣♣ ⑤♣❦❣❝❜ ④♠ ❧✈❜
❜❣q ❢⑥ ❧✈❜ ♠❜♦❛ ♦❣q ♦ ④❜♦❛
⑨♦❛❺❜❧ ✇②♣♣ ④❜❝②❣r
❵❧✈❜❛s ♦❛❜ ⑨❢❛❜ ❢⑤❧②⑨②s①
❧②③r
➶➨❼❢❛❝♦❣❤s ➳❜④❢➜②❧➡
❧♦❺❜s ③❢⑨⑥❢❛❧ ②❣ ❧✈❜ ⑥♦③❧ ②❣①
➜❜s❧❢❛s ✈♦➜❜ ④❜❜❣ s❺❜⑤❧②③♦♣
❢⑥ ❧✈❜ ❛♦♣♣♠ ♦♣♣ ♦♣❢❣❝⑦ ✇✈②③✈
✈❜ s♦♠s ✈♦s ♦♣♣❢✇❜q ❣❢❣❜
❢⑥ ❧✈❜ ❜❹③❜ss❜s ❢⑥ ⑤❛②❢❛ ④❦♣♣
⑨♦❛❺❜❧s ❧❢ ④❦②♣q ❦⑤r
➝t✈②s ②s ♦ ④❦♣♣ ⑨♦❛❺❜❧ ❧✈♦❧
⑤❜❢⑤♣❜ ♣❢➜❜ ❧❢ ✈♦❧❜⑦➠ ✈❜ s♦②qr
➝❥♣②❣q ❜❹❦④❜❛♦❣③❜ ✈♦s❣❤❧
④❜❜❣ ♦ ③✈♦❛♦③❧❜❛②s❧②③r➠
❻s❺❜q ✈❢✇ ⑨❦③✈ ♣❢❣❝❜❛
❧✈❜ ❛♦♣♣♠ ✇②♣♣ ♣♦s❧⑦ ✈❜ s♦②q➴
➝❻❧ ♣❜♦s❧ ♦❣❢❧✈❜❛ ♠❜♦❛⑦
④❦❧ ❧✇❢ ⑨②❝✈❧ ④❜ ♦ ④②❧ ❢⑥
s❧❛❜❧③✈r➠
s②❢❣ ➦❧r➫ ➝❻❛❧ ➦✈❢✇ ♦❣q ➦❜♣♣➠
④♠ ➦❧❜♣♣♦ ❼♦♠➤❜♣q s❧❦q❜❣❧s➫
➝❷❦❣ ➭②❝✈❧ ♦❣q t❛♦②❣ t❢❦❛➠
④♠ ➯➲➟➟❻➫ ➝❵⑤❜❛♦ ➧❢❦s❜
t❢❦❛s➠ ④♠ ❷❛②❜❣qs ❢⑥ ❧✈❜ ❵⑤①
❜❛♦ ➧❢❦s❜➫ ♦❣q ♦ ➝❽❦❣❝❜❢❣s
♦❣q ❽❛♦❝❢❣s ❼♦❛♦❧✈❢❣➠ ④♠
➞♣❝②❣ ➧②❝✈ ➦③✈❢❢♣ ➞❣❝♣②s✈
③♣♦ss❜sr ❸❣ ♦qq②❧②❢❣⑦ ❧✈❜ ➞♣①
❝②❣ ➨❦④♣②③ ➳②④❛♦❛♠ ✇②♣♣ ❢⑥⑥❜❛
➯②❷② ⑥❢❛ ❧✈❜ ③♠③♣②s❧sr
❻♣♣ ❢⑥ ❧✈❜ ❜➜❜❣❧s ♦❣q
♦③❧②➜②❧②❜s ✇②♣♣ ④❜ ♦q➜❜❛❧②s❜q
♦❧ ♦ ④❢❢❧✈ ❢⑤❜❛♦❧❜q ④♠ ❧✈❜
➯❢⑨❜❣❤s ➦❜❛➜②③❜ ♥♣❦④ ❣❜♦❛
❧✈❜ ✈②❝✈ s③✈❢❢♣r
➝❼❢s❧ ❢⑥ ❧✈❜ ❛②q❜❛s ✇②♣♣
③❢⑨❜ ❧❢ ❧✈❜ ④❢❢❧✈ ❧❢ ③✈❜③❺ ②❣
④❜③♦❦s❜ ❧✈❜♠ ✇♦❣❧ ❧❢ ❺❣❢✇
✇✈♦❧❤s ❝❢②❣❝ ❢❣⑦➠ ♥✈♦❣q♣❜❛
s♦②qr
❷❢❢q s❜❛➜②③❜ ♦❣q ♦ ④❜❜❛
❝♦❛q❜❣ ✇②♣♣ ④❜ s❜❧ ❦⑤ ❢❣ ➂⑩❧✈
❻➜❜❣❦❜ ♦❣q ❥②❛③✈ ➦❧❛❜❜❧r
t✈❜ ➞♣❝②❣ ➦❧♦⑨⑤❜q❜❛s ✇②♣♣
✈❜♣⑤ ⑨♦❣ ❧✈❜ ④❜❜❛ ❝♦❛q❜❣⑦
♥✈♦❣q♣❜❛ s♦②q⑦ ✇✈②③✈ ②s ❢⑤❜❣
❧❢ ❧✈❜ ⑤❦④♣②③ ♦s ✇❜♣♣r
t✈❜ s②q❜✇♦♣❺ ③❢❣s❧❛❦③❧②❢❣
⑤❛❢⑧❜③❧ ⑥❛❢⑨ ❽②➜②s②❢❣ ➦❧❛❜❜❧
❧❢ ❧✈❜ ✈②❝✈ s③✈❢❢♣ ➵ ✇✈②③✈
④❜❝♦❣ ❧✈❜ ✇❜❜❺ ❢⑥ ❻❦❝r
➂➀ ➵ s✈❢❦♣q ④❜ q❢❣❜ ④❜⑥❢❛❜
♥♠③♣❜ ❵❛❜❝❢❣ ❛❢♣♣s ②❣❧❢ ❧❢✇❣⑦
❽❦⑥⑥♠ s♦②qr
➝➯♦❧❜❛⑦ s❜✇❜❛ ♦❣q ❦❧②♣②❧②❜s
♦❛❜ ♦♣♣ ✇❢❛❺❜q ❢❦❧ ♦❣q ❧♦❺❜❣
③♦❛❜ ❢⑥⑦➠ ✈❜ ♦qq❜qr ➝❸ ✇②♣♣ ④❜
❧✈❜ ⑤❜❛s❢❣ ③❢❢❛q②❣♦❧②❣❝ ♦♣♣
❜⑨❜❛❝❜❣③♠ s❜❛➜②③❜sr➠
➦❢⑨❜ q❢✇❣❧❢✇❣ s❧❛❜❜❧s
✇②♣♣ ④❜ ⑤♦❛❧②♦♣♣♠ ③♣❢s❜q ❢⑥⑥
⑥❢❛ ❧✈❜ ❜➜❜❣❧⑦ ④❦❧ ❽❦⑥⑥♠ s♦②q
⑤❜❢⑤♣❜ ✇✈❢ ❣❜❜q ♦③③❜ss ③♦❣
s❧②♣♣ ❝❜❧ ❧❢ ❧✈❜②❛ q❜s❧②❣♦❧②❢❣sr
❸❣ ➳♦ ➢❛♦❣q❜⑦ ➝♥♠③♣❜
❵❛❜❝❢❣❤s ③♦⑨⑤s②❧❜ ❢❣ ➦❜⑤❧r
➂➸ ②s ❝❢②❣❝ ❧❢ ④❜ ♦❧ ➨②❢❣❜❜❛
➨♦❛❺⑦➠ ❼③➧♦qq♦q s♦②qr
➝t✈❜❛❜ ✇②♣♣ ④❜ ♦ s❧♦❝❜ s❜❧ ❦⑤
⑥❢❛ ♦❣❣❢❦❣③❜⑨❜❣❧s ♦❣q ❜❣①
❧❜❛❧♦②❣⑨❜❣❧ ♦❧ ➨②❢❣❜❜❛ ➨♦❛❺⑦
♦❣q ❧✈❜ ➺➲❣②❢❣ ♥❢❦❣❧♠➻
♥✈♦⑨④❜❛ ✈♦s q②s③❦ss❜q s⑤❜①
③②♦♣ ❜➜❜❣❧s ②❣ ❧❢✇❣ ✇②❧✈ ♣❢③♦♣
❜❣❧❜❛❧♦②❣⑨❜❣❧ ➜❜❣❦❜sr➠
♥♠③♣❜ ❵❛❜❝❢❣ ⑤❦④♣②s✈❜s ♦
③❢⑨⑨❦❣②❧♠ ❝❦②q❜ ⑥❢❛ ❜♦③✈
❢⑥ ❧✈❜ ③②❧②❜s ❧✈❜ ③♠③♣②s❧s ❛②q❜
❧✈❛❢❦❝✈⑦ ♣②s❧②❣❝ ♦③❧②➜②❧②❜s⑦
❜➜❜❣❧s ♦❣q ❛❜s❧♦❦❛♦❣❧s➩⑤❦④s
❧✈♦❧ ❧✈❜ ③②❧♠ ✈♦s ❧❢ ❢⑥⑥❜❛r
➝t✈❜ ♥✈♦⑨④❜❛ ✈♦s s❦④①
⑨②❧❧❜q ❧✈❜ ❢⑤❜❛♦❧②❣❝ ✈❢❦❛s
❢⑥ ④❦s②❣❜ss❜s ②❣ ➳♦ ➢❛♦❣q❜
❧❢ ♥♠③♣❜ ❵❛❜❝❢❣ ⑥❢❛ ②❣③♣❦①
s②❢❣ ②❣ ❧✈❜②❛ ❝❦②q❜ ⑤❛❢➜②q❜q
❧❢ ③♠③♣②s❧s⑦➠ ❼③➧♦qq♦q s♦②qr
➝➯❜ ♦❛❜ ②❣ ❧✈❜ ⑤❛❢③❜ss ❢⑥ ❜❣①
s❦❛②❣❝ ❧✈♦❧ ④❦s②❣❜ss❜s s❧♦♠
❢⑤❜❣ ❜❹❧❛♦ ✈❢❦❛s ♦❣q ❢⑥⑥❜❛
s⑤❜③②♦♣ q❜♦♣s ❧❢ ③♠③♣②s❧sr➠
➳♦ ➢❛♦❣q❜ ④❦s②❣❜ss❜s
♦❛❜ ❜❣③❢❦❛♦❝❜q ❧❢ s❧♦♠ ❢⑤❜❣
♣♦❧❜❛ ❢❣ ➦❜⑤❧r ➂➸ ♦❣q ❝❜❧
②❣ ❧✈❜ s⑤②❛②❧ ④♠ ♣❜❧❧②❣❝ ❧✈❜
♥✈♦⑨④❜❛ ⑤♦②❣❧ ❧❜⑨⑤❢❛♦❛♠
✇❜♣③❢⑨❜ ⑨❜ss♦❝❜s ❢❣ s❧❢❛❜①
⑥❛❢❣❧ ✇②❣q❢✇sr ❼③➧♦qq♦q
❜⑨⑤✈♦s②➡❜q ❧✈♦❧ ❧✈②s ②s ♦❣
❢⑤⑤❢❛❧❦❣②❧♠ ❧❢ s✈❢✇③♦s❜ ❧✈❜
❧❢✇❣⑦ ♦s ⑨♦❣♠ ❢⑥ ❧✈❜ ③♠③♣②s❧s
✇②♣♣ ④❜ ♣❢❢❺②❣❝ ❧❢ ❛❜❧❦❛❣ ②❣
❧✈❜ ⑥❦❧❦❛❜ ⑥❢❛ ➜♦③♦❧②❢❣sr
➳♦ ➢❛♦❣q❜❤s ✈❢s⑤②❧♦♣②❧♠
q❜❧♦②♣s ♦❛❜ ④❜②❣❝ ➤❣♦♣②➡❜q
⑥❢❛ s⑤❜③②♦♣ ❜➜❜❣❧s⑦ q❜♦♣s ♦❣q
❜❹⑤♦❣q❜q ✈❢❦❛s ✇②❧✈ ⑨❜❛①
③✈♦❣❧sr ❻♣♣ ❢⑥ ❧✈❜s❜ q❜❧♦②♣s
✇②♣♣ ④❜ ⑤❛②❣❧❜q ④♠ ❧✈❜ ♥✈♦⑨①
④❜❛ ❢❣ ♦ s⑤❜③②♦♣ ➝③❢⑨⑨❦❣②❧♠
③♦❛q➠ ⑥❢❛ q②s❧❛②④❦❧②❢❣ ❧❢ ❧✈❜
③♠③♣②s❧s⑦ s❦⑤⑤♣❜⑨❜❣❧②❣❝
♥♠③♣❜ ❵❛❜❝❢❣❤s ③❢⑨⑨❦❣②❧♠
❝❦②q❜r
➝❵❣❜ ❢⑥ ❧✈❢s❜ ❜➜❜❣❧s ②s
❧✈❜ ➞❵➲ ➜❢♣♣❜♠④♦♣♣ ⑨♦❧③✈
♦❝♦②❣s❧ ➞➜❜❛❝❛❜❜❣ ➦❧♦❧❜⑦➠
❼③➧♦qq♦q s♦②qr ➝➯❜ ♦❛❜
♦♣s❢ ✇❢❛❺②❣❝ ❧❢ ❜❣s❦❛❜ ❧✈♦❧
⑤❦④♣②③ ❧❛♦❣s②❧ ❛❢❦❧❜s ♦❛❜ ♦④♣❜
❧❢ ❧♦❺❜ ③♠③♣②s❧s ❧✈❛❢❦❝✈ ❧✈❜
q❢✇❣❧❢✇❣ ③❢❛❛②q❢❛r➠
t✈❜ ③②➜②③ ❝❛❢❦⑤s⑦ s③✈❢❢♣
③♣❦④s ♦❣q ❢❛❝♦❣②➡♦❧②❢❣s
②❣➜❢♣➜❜q ②❣ ✈❢s❧②❣❝ ♥♠③♣❜ ❵❛①
❜❝❢❣ ❧✈②s ♠❜♦❛ ②❣ ➞♣❝②❣ ♦❣q
➳♦ ➢❛♦❣q❜ ❜❣③❢❦❛♦❝❜ ♦♣♣
❛❜s②q❜❣❧s ❧❢ q❜③❢❛♦❧❜ ❧✈❜②❛
✈❢⑨❜ ⑤❛❢⑤❜❛❧②❜s ♦❣q ④❦s②①
❣❜ss❜s ♦❣q ⑧❢②❣ ②❣ ❧✈❜ ⑥❜s❧②➜❜
⑥❦❣ ❧✈②s ❜➜❜❣❧ ✇②♣♣ ④❛②❣❝r
❼③➧♦qq♦q ♦♣s❢ ③♦❦❧②❢❣❜q
❧✈♦❧ q❛②➜❜❛s ❣❜❜q ❧❢ ❜❹❜❛③②s❜
③♦❦❧②❢❣ ♦❛❢❦❣q ③♠③♣②s❧sr
⑩❶⑦❶❶❶ ❷♦❛⑨ ❥❦❛❜♦❦ ⑨❜⑨①
④❜❛s ♦❛❢❦❣q ❧✈❜ s❧♦❧❜ ♦❣q
❧✈❢❦s♦❣qs ⑨❢❛❜ ♦❛❜ q②s❧❛②④①
❦❧❜q ❧✈❛❢❦❝✈❢❦❧ ❧✈❜ ♠❜♦❛r
❸❧❤s ♦❣ ❜❹③❜⑤❧②❢❣♦♣ ❢⑤⑤❢❛❧❦①
❣②❧♠ ⑥❢❛ ④❢❧✈ ♦⑨♦❧❜❦❛ ♦❣q
⑤❛❢⑥❜ss②❢❣♦♣ ⑤✈❢❧❢❝❛♦⑤✈❜❛s
❧❢ ❝❜❧ ❧✈❜②❛ ✇❢❛❺ s✈❢✇❣
④❛❢♦q♣♠r
❷❢❛ ⑨❢❛❜ q❜❧♦②♣s⑦ ③❢❣❧♦③❧
❻❣❣❜ ❼♦❛②❜ ❼❢ss⑦ ❵❷❥
♥❢⑨⑨❦❣②③♦❧②❢❣s ❽②❛❜③❧❢❛⑦ ♦❧
♦❣❣❜⑨♦❛②❜❾❢❛❜❝❢❣⑥④r❢❛❝ ❢❛
❿❶➀①➀➁➁①➂⑩❶➂r
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