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NÂNG CAO HIỆU QUẢ QUẢN TRỊ RỦI RO TÍN DỤNG TẠI NGÂN HÀNG TMCP NAM VIỆT...
Transcript of NÂNG CAO HIỆU QUẢ QUẢN TRỊ RỦI RO TÍN DỤNG TẠI NGÂN HÀNG TMCP NAM VIỆT...
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GLDC 5? ]DC UPED Z ]D MDC DCD LDC Z UPD ]^
^A ^F ]D MDC ]^FDC DCD LDC
5$5$ ]d mdc dcd ldc z zea }~ ge }d mdc dcd ldc }~fdc dd
hadl } }l
}~dc$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$5
5$5$5 Hla dak) nd gl} ge }d mdc dcd ldc$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$5
5$5$> Rld ifa }d mdc dcd ldc$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$>
5$5$7 Zea }~ ge }d mdc dcd ldc a za dd hadl }$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$7
5$> ^a ~f }d mdc }~fdclf} dc ge DL]K$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$0
5$>$5 Hla dak z ~a ~f z ~a ~f }d mdc$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$0
5$>$> Rld ifa ~a ~f }d mdc $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$3
5$>$7g ak ge ~a ~f }d mdc $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$= Dldc gd g gl qp |g dlkg ~a ~f }d mdc$$$$$$$$$$$$$$$$$$$$$$1
5$>$=$5 Dup ld$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$1
5$>$=$> Rld ifad$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$1
5$>$0 Dcpqd dld md d ~a ~f }d mdc $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$55
5$>$0$5 Dcpqd dldhlgl uped$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$55
5$>$0$> Dcpqd dld gluped$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$5>
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5$>$: Lp up ge ~a ~f ~d mdc$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$57
5$7 Upd }~ ~a ~f }d mdc$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$5=
5$7$5 Dldc nap lad gl qp z dldc hlfd glf zeq g zd z z
gldl wgl glf zeq hk lap up$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$5=5$7$> Gg k ldl rld }gl) dl ca ~a ~f }d mdc $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$50
5$7$>$5 K ldl dl}dl z ~a ~f }d mdc$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$50
5$7$>$> Gg k ldl idcle ~a ~f }d mdc$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$52
H}ipd gldc5$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$>7
GLDC >? ]LG ]^DC ^A ^F ]D MDC Z GDC ]G UPD
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>$5 ]dcuped z dcd ldc ]KGR DekZa}$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$>=
>$5$5 Igl w ldl }ldl z rl} }~ad$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$>=
>$5$> Idl zg hadl mfedl$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$>0>$5$7 Kg }apgladigge Dezanedh$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$>:
>$5$= Rldc }lg lf} dc$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$>:
>$5$0 G gp } glg n kq upd i ge Dezanedh$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$>3
>$5$0$5 W } glg$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$>3
>$5$0$> Glg ddc) dlak z ge gg rldcned$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$>$5$: Gg wd rlk z mgl z }d mdc gpdc gr gldl$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$>1
>$5$:$5 Wdrlk }d mdc mdl glf hlgl ldc g dld) l caedl$$$>1
>$5$:$>Wdrlk }d mdc mdl glf hlgl ldc mfedldclar$$$$$$$$$$$$$$>1
>$5$3 ]g dc ge wpq }lfa hadl } a za Dezanedh$$$$$$$$$$$$$$$$ $$$$$$$$ $$$$$$$$72
>$> ]lg }~edc lf} dc hadl mfedl gedcd ldc ]KGR DekZa}$$$$75
>$>$5 Lf} dc lpq dc zd$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$75>$>$> Lf} dc glf zeq$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$77
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>$7 ]lg }~dc ~a ~f }d mdc }a dcd ldc ]KGR Dek
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>$7$> ]dl ldl gl} idc }d mdc$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ $$$ $$ $$$71
>$7$>$5 Dup ld$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$71
>$7$>$> Rld ifad$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$=2
>$7$7 Dldc dcpqd dld md d ~a ~f }d mdc }a
Dezanedh$$$$$$$$$$$$$$$$$$=>>$7$7$5 Dcpqd dld hlgl uped$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$=>
>$7$7$> Dcpqd dld gluped$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$=7
>$= ]lg }~dcgdc }g upd }~ ~a ~f }d mdc }a dcd ldc ]KGR
DekZa}$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$=0
>$=$5 N kq } glg gr }d mdc$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$=0
>$=$> Upq }~dl glf zeq$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$=:
>$=$>$5 G gp } glg lf} dc}d mdc$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$=:
>$=$>$> Upq}~dl glf zeqg}l$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$=3
>$=$7 Nf k }ad zeq$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$=1
>$=$= Rldc dce) rl} lad z ld gl ~a ~f }d mdc$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$02
>$=$0 Gdc }g | i d |p$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ $$$ $$ $$02
>$0 dl ca }dl ldl upd }~ ~a ~f }d mdc }a dcd ldc ]KGR Dek
Za}$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$05
>$0$5 dl caglpdc$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$05
>$0$> Ld gl gd hlg rlg$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$0>
H}ipd gldc>$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ $$ $$$ $$$0=
Gldc 7? K] W CAA RLR DLK DDC GEF GL] IDC
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7$5 ]~ad zdc z dlldc rl} }~ad ge Dezanedh$$$$$$$$$$$$$$$$$$$$$$$$$$$$$00
7$5$5 Rld }gl WSF]$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$00
7$5$>dlldc rl} }~ad lf} dc hadl mfedl }~fdc }la caed}a$$$$$$$$0:
7$5$7dlldc rl} }~ad lf} dc }d mdc }~fdc }la caed}a$$$$$$$$$$$$0K} wcaa
rlr crrld ddc gef lap up upd }~ ~a ~f }d
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7$>$5 Ddc gef gl} idc }d mdc$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$01
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7$>$5$5 Lf}dc lpq dczd$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$01
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7$>$5$>Lf}dc glf zeq$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ $$$ $$$:2
7$>$> Dldc caa rlr dlk cak }lap ~a ~f }d mdc }a dcd ldc
]KGR Dek Za}$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$:5
7$>$>$5 Rld ifahlgl ldc$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$:57$>$>$>]~fdcgdc }g }lk dl)|} mpq} glf zeq$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$:5
7$>$>$7 Ddc gef lapup
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7$>$>$= Hldc dcdc ddc gef gl} idc adcGN]M$$$$$$$$$$$$$$$$$$$$$$:7
7$>$>$0 ]dc gdc gdc }g upd i ld gl ~a ~f }dmdc$$$$$$$$$$$$$$$$:7
7$>$>$:Nadrlr caaupq}dg zd z dup ld $$$$$$$$$$$$$$$$$$$$:=
7$>$>$3 dl ca hl ddc}~ d ge hlgl ldc$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$:0
7$>$7 Gg caa rlr ld gl }d }l} hla |q ~e ~a ~f }dmdc$$$$ $$$ $$$ $$ $$ $$ $$:3
7$>$7$5 \q mdcl }ldc gggl}apgdl nf wk z ~a ~f }d mdc
$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$ $$$ $$$$:3
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7$7 Had dcl$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$:3
7$7$5a za dcd ldc dl dg Za} Dek$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$:3
7$7$5$5 Ddc gef gl} idcupd i) apldl$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$:3
7$7$5$> Ddc gef lap up lf} dc ge }~pdc }k }ldc }ad }d
mdc,GAG!$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$:a za Dcd ldc ]KGR Dek Za}$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$:1
7$7$>$5 ]dc gdc gdc }g upd ilf} dc}d mdc$$$$$$$$$$$$$$$$$$$$$$$:1
7$7$>$> Rld }d ~a ~f }d mdc$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$32
7$7$>$7 p } l }ldclad alf gdc dcl dcd ldc$$$$$$$$$$$$$$$$$$32
7$7$>$= |p}upq}~dl upd }~ ~a ~f }d mdc$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$32
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H}ipd gldc7$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$30
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]a iap }lek hlf
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]G]M ] glg }d mdc
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DLDD Dcd ldc Dl Dg
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DL Dcd ldc
HL Hlgl ldc
ULHL Uped l hlgl ldc
]WN ]awd k nf
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W >$5? G gp } glg n kq upd i ge Dezanedh$$$$$$$$$$$$$$$$$$$$$$$$$$$>3
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Nap >$>? H} up hadl mfedl ge Dezanedh upe gg dk$$$$$$$$$$$$$$$$$$$$$$7:
Nap >$7? ]dl ldl m d }d mdc$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$7$5? Ndc }dl ldl lpq dc zd ge Dezanedh$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$7>
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Ndc >$7? H} up lf} dc hadl mfedl ge Dezanedh$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$70
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}d mdc }a dcd ldc ]KGR Dek Za}
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55ig glf zeq + rld id ld dq i ia }g$
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gldl dl}
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a za gg dg edc rl} }~ad ,dl Za} Dek!) gg dcd ldc }lap
e mdc }~fdc hadl mfedl gg mgl z }agldl) gg wd rlk mgl z gd dclf
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dc nad za dlep }~fdc k} rlk za dl} dl ,ia dlpd h zdc gdc gef)
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gldc gdc dl }g la mf gldc cq ~e$
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mdc g
rld glae}ldl gg ifa wep q?
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hlgl ldc$ ^a ~f caefmglnef ck?
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}d mdc) rldc d zeq zd upq} dl}a }~ ge dcd ldc
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h
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ld gl }~fdc upd i medl kg glf zeq ge dcd ldc) g rld }ldl?
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hlgl ldc zeq zd) idl zg hadl }$
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dl
lfg gdc k} ifa ldl glf zeq g ~a ~f gef$
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g ak ge ~a ~f }d mdc ~} gd }la} z lp gl$ ^a ~f }d mdc g
dldc g
ak g nd wep?
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dld gl
qp cq dd ~a ~f }d mdc ge dcd ldc$
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g nad rlr
rldc dce rl lr$
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ggl }fd
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mdc gl}apd up ld ,DUL! z h} up rld ifa d$
5$>$=$5$ Dup ld?
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q g cg z iadc ld8
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dlk d$ Z m? Hlgl ldc g leahlfd d }~ id }a gg ]G]M k g n} g
k} hlfd d df g rld zf dlk g ~a ~f gef ld gg hlfd d gd ia
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dlk d g ~a ~f gef
dl} $
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d }lpg gg dlk 7) = z 0 z g gg g }~dc wep?
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gek h} dq d ld$
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hl ddc dcd ldc hldc }lp g q cg z ia$
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cg z ia$
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5$>$0$ Dcpqd dld md d ~a ~f }d mdc?
Hadl mfedl dcd ldc i hadl mfedl ~a ~f leq da ggl hlg lf} dc
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cq ~e
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m dlca8 m glpqd dldc upqd w lp8 m }ap }l$
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la ge
ka upg cae)}lk gl g }l ied ~dc }~d rlk za }fd gp$
a za dcd ldc n ~a ~f?
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ir m rldc) hldc }lp la g iaglf zeq) ddc dl} hla dcd ldc hldc
}lp g zd cg z iazeq) d }l} }lp za } i gef md d dcd ldc n i
z k} zd$ Dp }dl }~dc dq hf mahldc hlg rlg g) dcd ldc w n
rl wd) cq lp up dclak }~dc glf dd hadl } da glpdc z l }ldc dcd
ldc da ~adc$ Gldl z zq a la gg dl upd }~ dcd ldc rla l} wg
}ld }~dc z g
dldc nad rlr }lgl lr dlk cak }lap ~a ~f }~fdc glf zeq$
5$7$ UPD ]^ ^A ^F ]D MDC?
5$7$5$ Dldc nap lad gl qp z dldc hlfdglf zeq g zd
z gldl wgl glf zeq hk lap up?
Gg mp lap dld na} k}
hlfdglf zeq g zd
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zeq hk hap up gedcd ldc
]ledl }fd }ad zeq hldc
dc h lfgl
W dl ca hldc gldl |g z
~a ~f ge hlgl ldc
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n }leq a iad }g$
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~e n} }ldc g }l |q ~e }~fdc }dc
iea
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lap up ,zd cg }~g ka id
cae ld hldc cak dc h!
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k} hlfd }ad ca id$
Ia wp} gef n} }ldc
,g cdc n r ~a ~f gef!
Hldc |g dl ~ h lfgl lfd
}~ a za }dc hlfd glf zeq
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W }gl } n} }ldc ge
gg hlfd rla }lp z&lfg ldc
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hlgl ldc hldc }lpg hlp zg }l
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na} i gg nf gf }a gldl
ge dcd ldc!$
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}ldl zad }~fdc da n dcd ldc ,dld
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}ap glpd$
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lp
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p g$
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leq }~edc }la} n!$
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Gg dl hadl }) gg dl rld }gl w mdc dlap k ldl hlg dlep
dl ca ~a ~f }d mdc$ Gg k ldl dq ~} e mdc nef ck gg k ldl
dl idcz k ldl dl}dl$ Gg k ldl dq hldc ifa }~ id dlep dd gg
dcd ldc g }l w mdc dlap k ldl rld }gl) dl cakg ~a ~f }d
mdcge hlgl ldc$
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dldc zd }la} qp g }l ~e upq} dlglf zeq lr i dl wep?
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ggl dl
k} g dld ndl }ldc$!
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gg nap lad nd dcfa ~a me zf uped l nad gldc za gand }~fdc h}
ipd ga
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nd }~fdc$ G }l i igl w zeq d ge hlgl ldc) medl }adc&m ipd) h} up
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kd lea qp } lr i z lr rlr leq hldc$ ]dl lr i irl lr za caq
rlr hadl mfedl$ ]dl lr rlr i dcdl dcl
dclak gk$
hadl mfedl hldc n rlr ip}
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lfg
ndc }~pdc ndl dcdl!
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nf ik rl}8 gg nad dc hadl }) gldl }~) | la8 |p ldc }dc }~dc ge
dcdl
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lap up) }dl hl }la) rldc d h }lp}) }ad m }lg lad ge rldc d
zeq$ Nd gdl GN]M gd rla dl cadcpd }~ d }ldc upe ddc ig }a
gldl dcfarldc d ge hlgl ldc$
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kg gl }d mdc ~ ~dc z g }lad gl dclakgldl }~ d hla d ld$
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idc le ~a ~f }d mdc }ldc g w mdc dlap dl}?
K ldl akw _?
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\0? ] wmfedl}lp&}dc }awd$
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glf ak } 5 52$
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dldc }leq a }~fdc dd hadl } z gpg wdc cae dl$
5$=$ R MDC GG K LDL UPD ]^ ^A ^F ]D MDC ]A GG
DL]K ZA] DEK?
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ak) k} hlg gg k ldl deq hldc ifa }~ id dlep) dd }ldc }ldc gg
dcd ldc }ldc h} lr w mdc dlap k ldl rld }gl dl ca kg
~a ~f }d mdc$ ]~fdc ap had }lg } Za} Dek) gg dcd ldc }ldc
w mdc k ldl dl }dl dl ca hlfd zeq } hlp }lk dl d zag
upd i) }l`fma) hak }~e z cakw} gg hlfd d zeq$
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z upq }~dl }lk dlhlfd zeq nef ck gg qp } g nd wep q?
]lk dl }dl rlr i? Hak }~e } ggl rlr dld) ddc ig rlr
ip} ge hlgl ldc zeq) l w zeq zd) hak }~e kg gl zeq zdge hlgl ldc g lr rlr hldc$
]lk }~e pq }d ge hlgl ldc zeq zd) ddc ig upd i ap
ldl ge hlgl ldc leq i ned upd i mfedl dclar? z rlk
gl} f g) }lad gl) pq }d }~fdc caef mgl) ddc ig upd i
ap ldl) l
}ldc hak }~e hak wf} da n
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glw dl hl ddc }ledl }fd) } }~dc zd } g) zdc upeq ldc
}d hlf) lap wp}w mdc }awd) } wp} ia dlpd
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]lk }~e z }dl lap up ge rldc d zeq zd? z hl ddc
}lg lad rldc d hadl mfedl) dcpd gpdc gr dcpqd z}
iap) }l }~dc }ap }l) z dcpd zd }a }~ glf rldc d) z
zd zeq } dcd ldc g lr i hldc
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df }ledl }fd d cg z ia)gg dcpd }lp dq g d dl hldc
]lk }~e z }awd }l glr hlfd zeq? }awd }l glr g }lpg w
lp lr rlr ge dca zeq hldc) g m glpqd dldc) m
nd hldc) g n lef kd z ldl hldc
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}d mdc ~adc hak }~e }d mdc) }pq dladdldc dcpqd i glpdc dl} edc
g
r mdc }a lp l} gg dcd ldc i?
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hlfd
}d mdc p g hak }~e) nef ck?
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]dl q z lr i ge lr dc }d mdc) k nf }dl lr rlr
w lp gg }awd hla dcazeq hldc }~ g d$dl ca ap had }agldl z dldc h lfgl hadl mfedl ge dca
zeq) }~d g w |`k |} ia dlp gp }d mdc$
dl ca|`k hlfd }d mdc g }pd }l gldl wgl glf zeq ge dcd
ldc$
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ldc ~} id }dl }~dc }agldl ge dcd ldc$
dl
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}dc gdc hak }~e) cakw} hla rl} lad dldc mp lap |p iad
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dlap ldc a |pdc) lfg dldc dcdl dcl glf zeq g nap lad
dclak }~dc }~fdc rl} }~ad$
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zeq ge dcd ldc rla g }lg lad k} ggl gl} gl dlk }pd }l gldl
wgl z }lg ldl }d mdc ge dcd ldc$ Dcfa ~e) hak wf} ~a ~f }d
mdc) gg dcd ldc }ldc |q mdc k} gldlwgl }d mdcz upq }~dl
dclar z gr
}d mdc$
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}l gd d w | i dclar z ge gd n dcd ldc$ Gd n dcd ldc rla
}k ~e g dcpqd dld ge }d mdc g zd z lr }g gdc hlgl ldc
}k ~e
caa rlr dcd ldc }lp la zd$
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zd dl wep?
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d }d mdc$
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|pdc } g }l |q ~e za uped ak ge GN]M }~g }ar glf zeq$
M }dl dldc dcpd g }l mdc }lp la d g zd $
Gd |`k }~dc gl} idc)ddc ig z w dl} upd }~fdc upd i)
dc }la }~g }ar }ad ldl hlf w} gg lf} dc z gg }awd
ge mfedl dclar$
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g zd ) nef ck g zag }le }lpd cae ld }k }la dp hlgl
ldc gl cr hl hld }~g k}$ Gg hl ddc hlg i g }l n
wpdc }a wd k nf) qp gp g nf idlge nd }l ne
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>$5$ ]DC UPED Z DCD LDC ]KGR DEK ZA]?
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HadCaedc }lpg }dl HadCaedc) }ldl ir dk 5110 za zd ap i i 7 }
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lf} dc }
dcd ldc ]KGR ddc }ld }ldl dcd ldc ]KGR }l$
]d q ? Dcd ldc ]ldc ka G rld Dek Za}
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]d ca }}? DEZANEDH
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ad }lfa? ,25: >5:
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p |p }l la dlr hadl } upg }) Dezanedh |g dl ka dld glad ig
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kdl k) Dezanedh ldc d lad a le gdcdcl
dcd ldc dledl
gldc }ar gd z rl} }~ad gg mgl z dcd ldc }ldc ka lad a e
ddc) }dc gdc gdc }g upd i ~a ~f dlk r dc gg }apglpd upg } z
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7:
Lpq dc zd ge gg } glg z g dld }lpg gg }ldl rld hadl })
l wed }fd }d mdc) ddc gef lap up hadl mfedl gdc dl ddc ig gdl }~edl$
Dldc dk ze upe) Dezanedh g dldc }ad n z} ng }~fdc zag g gp
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7:
ia } glg z lf} dc a a za zag lad a le gdc dcl dcd ldc$
Za wg kdl da ig g }gl } z rl} }~ad upe dlap dk lf} dc
gdc }adl }ld upq} }k ge }r }l idl f z gd n dld zad)gldc }a }
}ad g }l z} upe ka }lgl }lg }~ }ldl dcd ldc nd i ldc p Za}
Dek$
Dezanedh gl }~dc q kdl gdc }g lpq dc zd za dlap ldl
}lg rlfdc rl) gl qp lpq dc zd }~pdc ma ld }~fdc md g }f
dcpd glf zeq) r dc hr }la dlp gp zd ge gg }ldl rld hadl } }~d
rlk za g
dg$
Dezanedh ldc d rl} }~ad nd zdc z dledl gldc kdc ialf} dc }a gg }dl }ldl id }~fdc g dg) kg }ap glak idl }l rld }a
7 e
nd }~dc ak dl ]R$L Da) ]R$L Gl Kadl z ]R$ Ddc$
Dezanedh }r }~pdc rl} }~ad wd rlk }l ,E]K z }l }ledl }fd!
}ldc upe zag dcladgp cae}dc dldc }ad gl ge }l dl }ledl }fd) glpqd
hlfdz gg caefmgl }ad gl hlg)dlk ddc gef gl} idcrlg z hlgl ldc$
Dezanedh w}dc gdc }k hak z }lp l} gg g dc id glad ig
i gg } glg hadl } g zd p } id) }ak ig }agldl kdl) wg ddc
zd
ap i dcd ldc$
Dezanedh ipd uped }k ddc gef gl} idc rlg z hlgl ldc }ldc
upe zag }k lap dlp gp) h zdc ge ka a }dc hlgl ldc e ~e gg
caa rlr glk wg lp lap) }le kd gef dl} gg dlp gp lr i ge hlgl
ldc
}~fdc hl ddc glf rlr ge kdl$
>$5$0$ G gp } glg n kq upd i ge Dezanedh?
>$5$0$5$ W }glg?
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73
W >$5? G gp } glgn kq upd i ge DEZANEDH
>$5$0$>$ Glg ddc) dlakzgegg rl dcned?
Rldc uped l hlgl ldc? g glg ddc }la} ir) hlea}lg z rl} }~ad
uped l }fd mad za dlk hlgl ldc }dc dc gpdc dc }} g gg wd
rlk mgl z glf hlgl ldc$
Rldc uped l dl gl }agldl z hadl mfedl }ad }? g glg ddc
}la} ir) hlea}lg z rl} }~ad uped l }fd mad za gg dl gl }agldl dcd
ldc z rla dcd ldc }~fdc z dcfa dg$
Rldc h lfgl }ar }l?
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7 dlk hlgl ldc i mfedl dclar z dl gl }agldl$
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>$5$:$ Gg wd rlk z mgl z }d mdc gpdc grgldl?
>$5$:$5$ Wdrlk}d mdcmdl glf hlgl ldc g dld) l cae dl?
Glf zeq kpe |` }
Glf zeq kpe n} dc wd
Glf zeq |q mdc) we gle dl
Glf zeq n wpdc zd ip dc wd |p} hadl mfedl
Glf zeq kpe wkkq kg }la} n) p } dl |dc
Glf zeq }~pdc ld n wpdc zd wd |p} hadl mfedl
Glf zeq }ap mdc Glf zeq mp lg
Glf zeq gk g w }a} hak) gldc gl }ad ca
Glf zeq kpe |` cd kq }~ cr
>$5$:$>$ Wdrlk}d mdcmdl glf hlgl ldc mfedl dclar?
Glf zeq n wpdc zd ip dc
]a }~ dlr hlp ldc lf) dcpqd z} iap
]a }~ wd |p}) caegdc ldc |p} hlp
Glf zeq p } }awd g dl
Glf zeq }lg lad m d dl ) }
Cawd rlk }d mdc mdl glf mfedl dclar hadlmfedl |` }
Glf zeq p } |` } a za gg mfedl dclar zd }a
>$5$3$ ]g dc gewpq}lfa hadl } a za Dezanedh?
Dk >22< h} }lg za dlap nad dc rlg }r) hl idc z g
dl ca i k} dk g na} hl hld a za hadl } }l caa da glpdc z
hadl } Za} Dek da ~adc$ \p} rl} } dldc n} d ge }l }~dc dl z
lf} dc glf zeq ma glpd) ldc if} gg dcd ldc z gg }r fd id ge
Lfe H ~a zf }dl }~dc k} hl ddc }ledl }fd z rl wd$ Hldc lfdc }a
gldl n} p }a Lfe H) ied ~dc wedc hlp zg Glp p ~a dl ldc d
}fd }l caa$
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=2
Za} Dek }pq gle la dlr wp ~dc zf dd hadl } }l caa dldc }l
}~dc }~fdc dg zd n wg r hl id } gpg hldc lfdc }agldl }l lad
upe zag w} cak dclak }~dc hak dcgl |p} dlr hlp) zag caa dcd
mdc
zd p } dg dcfa cr dlap hl hld) gd gd }ledl }fd k} gd a
dclak }~dc) glwca }apmdc }dc gef) }l }~dc n} dc wd z gldc
hlfd dc ndc ]~fdc na gdl ) Gldl rl k g }l i Dcd ldc
Dl dg Za} Dek g gg caa rlr dlk hak gl ik rl}) hak wf} }l
}~dc }a gldl }~fdc dg dl cae }dc } i m }~ n} npg) upq dl ia
wp} }~d) npg gg dcd ldc }ldc ka kpe }d rlap n} npg ]} g
dldc gldl wgl dq } gg dcd ldc }ldc ka }~fdc dg zf }dl
}l l} wg hl hld hla rla }lek cae gpg pe ia wp} k nf hl
ddc }ledl hlfd) ia ze rla a k} za dcpq g hldc lfdc d |p mf
hlgl ldc k} hl ddc }ledl }fd
]~fdc }dl ldl ) zag }lg lad h lfgl hadl mfedl ge Dcd ldc
]KGR Dek Za} n dl ldc dclak }~dc na dldc hl hld glpdc ge
dd hadl }$ ]l} zq) }~fdc dk >22221) dd hadl } Za} Dek }ar }g glp dl ldc ge
gpg hldc lfdc hadl } }fd gp) }dl ldl hadl } zd gd dlap hl hld
dl ldc dc h d }dl ldl lf} dc hadl mfedl ge Dcd ldc$
Dcfa~e) za zag hldc lfd }ldl h lfgl }dc zd dl m had } 5222 }
id>222 } gdc dl ldc d zag }lg lad gg h lfgl g ala dc g dc dk >22< }ldc upe$
]pq h} up }lg lad gd hl hlak }d dldc upe h} up hadl mfedl
} g glf }lq La dc upd }~ ,LU]!) Ned ap ldl z }fd n gd
n gdc dld zad g cdc d ig ~} id$ ]ldl gdc id dl} ge dcd
ldc }~fdc dk >221 i z} upe hldc lfdc g }l }ar }g rl}
}~ad nd zdc }~fdc dldc dk }ar }l`f$
Dcfa~e) }~fdc dk >221 Dcd ldc lfd }} zag ap gldlkdc ia
}~d g w ddc gr 3 rldc caefmgl}ldl 3 gla dldl ka z e zf lf}
dc
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=5
}a gg end ]le ]lad Lp) Ndl Mdc)dc Dea)N ~e Zdc }p)dc
Dea) Ifdc Ed z Ng Dadl8 ddc kdc ia ak caef mgl } gla dldl z :3 Rldc caef mgl$
>$>$ ]LG ]^DC LF] DC HADL MFEDL GE DCD LDC ]KGRDEK ZA]?
>$>$5$ Lf} dc lpq dc zd?
]~fdc caea fd >223 >221) mf dl ldc ge hldc lfdc hadl }
}l caa) }l }~dc }ad } g dlap nad dc z iawp}) }dl ldl ik rl})
gdl }~edl z lpq dc zd cae gg ]G]M }~fdc dg cq dl ldc d
gdc }glpq dc zd ge DL]K da glpdc z dcd ldc Dek Za} da ~adc$]~g nad
dc z ca lpq dc zd }~d }l }~dc) dcd ldc ]KGR Dek Za} gl
dc r mdc gldl wgl iawp} iadl lf} }~d g w gpdc gp zd }l }~dc) }gl
gg ga }lad gldl igl iawp} glf zeq + lpq dc) ga }lad upd }~ }ledl
hlfd me }~d l }ldc }ldc w ed }fd z rl} }~ad dlap gdc g lpq
dc zd ka$ Gg nad rlr gl dc z iadl lf} }~fdc ap hlad iawp}
a za g dld) mfedl dclar cr rld cak }lap }g dc }l }~dc id
gdc }g lpq dc zd) ddc gef l ww mdc zd) gl} idc upd }~ zd
z wep gdc i lap up hadlmfedl ge dcd ldc$
]~fdc 7 dk }~ ia q) Dezanedh g cdc ~} dlap z} upe
hldc lfdc) ap g }l lad upe }dl ldl nad dc dcpd zd
}~fdc 7 dk
>223) >22221
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Nad dc dcpd zd ge DEZANEDH
>2)222)222
50)222)22252)222)222
0)222)222
2
Dk>223
Dk>22221
zd lpqdc zd
hlg
zd gl w
lp }dc
dcpd zd
Nap >$5? Nad dc dcpd zd ge Dezanedh
Ndc>$5?Ndc }dl ldl
lpqdczd ge Dezanedh
,Z]? }~ap dc!
Gl }ap
Dk >223 Dk >22< Dk >221
Ca }~ ] }~dc,%!
Ca }~ ] }~dc,%!
Ca }~ ] }~dc,%!
A$ Zd lpq dc 1$2>0$:1> 15% 1$=>=$235 52 7>% 0$: 7=%
>$ Zeq ge
DLDD ]G]Mhlg 2 2% 2 2% 5=2$0% :$2>5$1$3>3 03%
AA$ Zd hlg >10=$% >33$:13 >%
AAA$ Zd gl wlp 031$2>< :% 5$23:$50< 52% 5$5::$271 3%
]dcdcpd zd 1$127$203 522% 52$300$271 522% 5:$
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,Dcpd? Ndcgd a h }fd ge Dezanedhcaeafd >223+>221!
Dld glpdc dcpd zd ge dcd ldc iad }g }dc upe gg dk) g }l?
dk >223 }dc dcpd zd i 1$127$203 }~ap dc }l wedc dk >22< i
52$300$271 }~ap dc) za }g rl} }~ad i 552% ,}dc 52%! wf za dk
>223$ Wedc dk
>221 }dc dcpd zd i 5:$22$>$>$ Lf} dc glf zeq?Lf} dc glf zeq i lf} dc gl qp z uped }~dc dl} ge dcd
ldc$ W glpqd lf } zd }ad ca wedc zd }d mdc n wpdc zd glf dlp
gp wd |p}) hadl mfedl }~fdc dd hadl }$ Z }ldc upe glf zeq k }f ~e
dcpd }lp dlr } na lfd ia }ad ca ge hlgl ldc) n r gla rl
hadl mfedl z }f ~e ia dlpd$ ]pq dlad lf} dc glf zeq kedc ia ~a ~f id)
z zq dcd ldc gd rla upd i gg hlfd d k} ggl gl} gl ka g }l
dcd dce lfg cak }lap ~a ~f$
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Ndc>$>? H} up lf} dc
}d mdcge Dezanedh
,Z]? }~ap dc!
Gl }ap
Dk W f wdl
>223 >22< >221
>22223 >221&>220$0 =$=5$1=>! ,10$=2=! ,50$:2 ,37$=:>! 77=$05 0$=0>$:53 1$27 5$210$7:: >0$5 =$=55$0221!
Mfedl wglf zeq }dc upe gg dk) g na} }dc gef zf dk >221) g }l
dl wep?
Mfedl wglf zeq dk >223 i=$703$>05 }~ap dc$ Mfedl wglf zeq dk
>22< i0$=0>$:53 }~ap dc8 }dc 5$210$7:: }~ap dc }g i}dc >0$5% wf za
dk >22221 i1$27 }~ap dc8 }dc =$=55$0$7$ Lap up hadl mfedl?
Dcd ldc i k} } glg hadl mfedl }~fdc idl zg }ad }) }d mdc)
mgl z dcd ldc$ D gdc dl dldc mfedl dclar wd |p} hlg) ipd g
kg }ap
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=0
ldc p i ia dlpd$ Ia dlpd i qp } }l`d gl}) da id h} up lf}
dc hadl mfedl ge dcd ldc) d i lap wcae }dc }lp dlr z }dc gla rl$
cae }dc ia dlpd) dcd ldc rla upd i }} gg hlfd kg }awd g)
dl} igg hlfd kg glf zeq z p }) cak }lap gg gla rl) }~fdc }r
}~pdc upd i gl} gl zag gla }ap) kpe wk }~edc }la} n) gdc }g rl
k nf glf lf} dc hadl mfedl g lap up$
Dezanedh ipd gl }~dc rl} }~ad k ~dc k} ggl }fd mad }} g
gg idl zg lf} dc dcd ldc dc }la ddc gef lap up hadl mfedl a
za
}dc idl zg$ Z zq Dezanedh } g dldc h} up hadl mfedl hl }} z
d dl) dceq gmfedl$
dk >22< idk g dlap hl hld a za lf} dc hadl
Ndc>$7? H} up lf}dchadlmfedl
ge Dezanedh
,d z? }~ap dc!
Gl }ap Dk >223 Dk >22< Dk >221
]dc }lp 0:=$>3> 5$>3 5$:=3$01$355 5$=$:2> >3$7: 5$>57$==1$3 5:$053
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H] UP HADL MFEDLGE
DEZANEDH UPE GG DK
>)222)222
5)022)222
5)222)222
022)222
2
Dk>223
Dk>22221
]dc }lp
]dc gla
]lp dlr ~dc
Nap >$>? H} up hadlmfedl ge Dezanedhupe ggdk
Upe ndc w iap z nap ) }e }lq h} up hadl mfedl ge Dezanedh
nad dc upe gg dk) g }l dk >22< i3=$2=2 }~ap dc cak >223$ Dcpqd dld mf iawp}lpq dc glf zeq }~d
}l }~dc nad dc }l`f glap ldc n} ia h} lr za }dl ldl d up ld)
d |p }dc dledl ik dl ldc d mfedl }lp ge Dcd ldc$ Rld id iadlpd g g } lf} dc p } z cr zd$
Dk >221 ia dlpd }~g }lp i5
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L wd up ld ; ,M d up ld& ]dc m d glf zeq! | 522% 9 0%
L w ~a ~f }d mdc ; ]dc m d glf zeq& ]dc }awd g
]ldc }l l wdq gdc gef }l ia dlpd wgdc id dc }la ~a ~f
}d mdc gdc ~} gef$>$7$5$ ]dl ldl m d?
Ndc>$=?]dl ldl m d }dmdc
ge Dezanedh
,Z]? ]~ap dc!
Gl }ap
Dk W f wdl
>223 >22< >221
>22223 >221&>220$=: =$=$72>$5>3 7$>205! ,0$:7! 12:$037 71$7$ ] glg
hadl }
5$1>=$2:< 7$53>$=7> :$302$123 5$>=$3>=$:52 7$05>$317 0$207$=>1 3
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]DL LDL M D UPE GG DK
5>)222)222
52)222)222
)222)222
2
Dk >223 Dk >22< Dk >221
]dc m d
Nap>$7? ]dl ldl m d }d mdc
]~d g w dld dl kg ~a ~f ge }l }~dc) Dcd ldc }lg
lad dlap nad rlr hak wf} }dc }~dc z ipd g w ap gldl z
gldl wgl }d mdc glf rl lr za dldc mad nad ge }l }~dc) k nf
ed }fd z
lap up }~fdc lf} dc }d mdc$ G }l?
M d }d mdc ge }fd dcd ldc dk >22< } 0$=3=$001 }~ap
dc) }dc 5$555$557 }~ap dc ,}dc >0$=:%! wf za dk >223$ M d }d
mdc }dc gl qp } hlgl ldc } glg hadl } ,}dc 5$>=221 } 1$101$:23 }~apdc) }dc =$=221 } 5$
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>$7$>$ ]dl ldl gl} idc }d mdc?
W }dc }~dc) k ~dc p } }d mdc ipd a hk za dldc ~a ~f
}ak d g }l |q ~e }~fdc }dc iea$ Hadl dclakz }lg } glf }lq) w }dc
}~dc ddc }d mdc k} caeafd df ) }ldc ia lp up z } i d
up ld) d |p }~fdc dldc dk }ar }l`f$ Z Dezanedh mdc dl gdc
hldc }lf} ~e g upq ip} hlg dcla} ge }l }~dc$ ]~fdc caea fd
>223+>221 } i d
up ld) d |p ge Dezanedh ipd g mpq }~ kg }lr hlfdc }~d ma
>%&}dc m d8 ]pq dlad }~fdc dk >22$7$>$5$ Dup ld?
Ndc>$0?]dl ldl gl} idc }dmdc
,Z]? ]~ap dc!
Gl }apDk
>223 >22< >221
]dc }a wdg 1$127$23= 52$120$>3< 522 50=$750
+ DUL } 5
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02
Wedc dk >221) za w g cdc ge }r }l gd n dld zaddcd ldc) }
i d up ld }~d }dc m d g }ad }~ad }}) cak } 3$07% gd 7$0%$
} g h} up dq) dcfadldc }g dc }lpd ia } ka }~dc z k z
gldl wgl }d mdc ge dcd ldc gd mf dldc dcpqd dld wep?
Gg hlfd zeq ka g gl} idcdc h) lap up lf} dc ge
gg d z a zeq dcq gdc }dc) ka }~dc hadl } hl uped) }f ap had
}lpd ia
glf lf} dc hadl mfedl ge mfedl dclar$
Dlzf hl ddc ga }ad gl} idc lf} dc) }dc ia dlpd
hadl mfedl upe gg dk z gl dc }~fdc zag }~gl ir m rldc ~a ~f dd
up m rldc ~a ~f i k} gdc g g ig }~fdc zag | i d }d dcge dcd ldc$
]~fdc glf zeq) dcd ldc ipd}pd }l dclak dc} dldc upq dlge
DLDD$
>$7$>$>$ Rld ifad?
H} up rld ifa d }~fdc }la caed cd q glf }lq gl} idc }d
mdc ge dcd ldc ]KGR Dek Za} edc cak w}) } i d |p g |p
ldc dcq gdc }dc gef) g na} d |p |p} lad dldc Gla dldl
}~g q zd g dl ca g gl} idc k nf$ ap dq }l lad
dldc ld gl) n} gr z gdc }g upd }~ ~a ~f }d mdc) a la rla
g } glg dclad gp) }dc lr gg dcpqd dld hr }la ~} hadl
dclakz rldc }~dl) cak }lap d |p }~fdc }dc iea$
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05
Ndc>$:?]dl ldl rld ifa d
zeq ge Dezanedh
,Z]? ]~ap dc!
Gl }ap Dk >223 Dk >22< Dk >221
5$ ]dc m d =$7:7$==: 0$=3=$00< 1$101$:23+ D }ap glpd =$7=$707$52> 52=$3>0
+ D ma }ap glpd 5$=:< =1$213 =1$012
+ D dcla dc 5$3 1>$$ >==$>70
7$ ] i d |p 2$2$15% >$=0%
,Dcpd? nf gf }agldl ge Dezanedh!
Dk >22220&UDLDD z Upq} dl522 }~apdc) }dc 505$135 }~ap dc ,>5$71 id! wf za p dk z glak
>$15% }dc m d$
Dk >221) wm d |p ,d rld ifa gg dlk 7) = z 0 }l`f upq dlge
DLDD! ge }fd Dcd ldc i>==$>7: }~ap dc) glak >)=0% }dc m ddl
ld } i upq dlge Dcd ldc Dl dg ,7%!$
Upe w iap }~d g }l }lq } i d |p }dc kdl }~fdc dk
>22221 } i d |p g cak dldc hldc dlap$ ]lg }
rld dl k ldl) gldl wgl upd }~ ~a ~f }d mdc ge dcd ldc Dek Za}
gle }lg w lap up) gdc za w hldc lfdc hadl } }~fdc dk >22$7$7$ Dldc dcpqd dld md d ~a ~f }d mdc }a Dezanedh?
>$7$7$5$ Dcpqd dld hlgl uped?
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0>
Ka }~dc hadl mfedl n} d mf dl ldc ge gg qp } } dlad ,}lad
}ea) mgl ndl! leq w nad dc up dledl z hldc m fd g ge }l
}~dc }l caa ,hldc lfdc hadl }) ik rl}) ca g gg k} ldc }leq a
} nad! cq }d }l} glf hlgl ldc zeq zd$
^a ~f }} qp ge up }~dl } mf le }agldl) la dlr upg } g
}l ikglf d |p cae}dc hla }f ~e k} ka }~dc gdl }~edl ceq c}) hlad
lp l} gg mfedl dclar) dldc hlgl ldc }ldc |pqd ge dcd ldc
rla a k} za dcpq g }lpe i z upq ip} gld ig hlg dcla} ge }l
}~dc$ Nd gdl ) nd }ld w gdl }~edl ge gg DL]K }~fdc dg z upg
} }~fdc ka }~dc la dlr hadl } gdc hlad glf gg dcd ldc }~fdc dg
za l }ldc upd i gle lfd gldl cr rla dcpq g ~a ~f d |p }dc idna lp l} gg
hlgl ldc g }ak ig }agldl id w n gg dcd ldc dg dcfa}lp l}$
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w d z ,gla dldl) rldc caef mgl! ka }ldl ir dd gd g }la caed ka
dc cr zf ia dlpd glpdc ge dcd ldc$
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rlg }r)
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ap
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kg }ap glad ig iegld i }~ }ldl dcd ldc }ldc ka nd i glpd
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kg ldc p Za} Dek$ ]pq dlad) g }l } g kg }ap glad ig
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}ld }~gl dlak gef$
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Zd ap i 7222 } dc
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]dc }awd >3$222 } dc
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glad ig hadl mfedl g dcl gdc rla lr }lg lad }~fdc caea fd
>252
>257 nef ck?
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}a) }r }~pdc caa upq} zd cae}dc }l rld ge Dcd ldc }~d gg }l
}~dc
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:2 d 72 ak caef mgl$
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gl dc p } glf lf} dc dcladgp hlf w} dlp gp z }l lap ge
hlgl ldc
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gl f) da n} md p }~fdc }dc dlk hlgl ldc$ Wd rlk mgl z }a
gldl ge Dcd ldc rla g }la} h }l`f ldc k) k nf }dl iadl
lf} gd }la} dlk r dc dlp gp hlg na} ge hlgl ldc$7$5$7$ dl ldc rl} }~ad lf} dc }d mdc }~fdc}la caed }a?
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p kg m dd hadl } dk >22< hldc hl uped) g dlap nad dc hldc
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}~dc gg hlfd zeq }lpg a }dc r mdc iawp}}le }lpd }~d }dc m
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:1d
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:1
k nf kg gldl igl iawp}ndl upd p zf p ~e }a }lap }=%&
dk$
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d |p hla gd }la} k nf dcpd }lp cg) iaglf Dcd ldc$
7$>$ K] W CAA RLR CR RLD DDC GEF LAP UP UPD ]^
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lf} dc glf zeq }} a la dcd ldc rla g dcpd zd
kdl) }~fdc ) zd ip dc i qp } ~} gd }la} a za dcd ldc$ Dpdcd ldc } glg }lg lad }} gdc }g lpq dc zd }l hldc dldc k ~dc
g gdc }g glf zeq k gdc kedc d glf dcd ldc dcq gdc dlap ia
dlpd$ }dc
gdc dcpd zd lpq dc gd }lg lad k} w nad rlr?
e mdc lf gg ldl }lg lpq dc zd }lp l} hlgl ldc d ca
}ad$ Rl} }~ad gg mgl z ka dl }l }ledl }fd) }l E]K$
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}lpd ia) dledl) ed }fd z gldl |g) lfd }lad l }ldc kdc za }dl g }l
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dc ~e hlr g dg$
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ldc
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32ka$
]lg lad k nf }ad ca glf hlgl ldc
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32
7$>$5$>$ Lf}dcglf zeq?
e mdc lf gg ldl }lg gr }d mdc? dcd ldc gd w mdcdlap rldc }lg glf zeq }