A Report on Recruitment ModuleProcess of JAMUNA BANK LIMITED

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    6

    6.: Cktrh`ughk4

    F Ouafk ^mshurgms Afkfbmamkt Wystma (O^AW) hr Ouafk ^mshurgms Ckihraftchk Wystma

    (O^CW) rmimrs th tom systmas fk` prhgmssms ft tom cktmrsmgtchk nmtwmmk ouafk rmshurgm

    afkfbmamkt (O^A) fk` ckihraftchk tmgokhlhby. Ct amrbms O^A fs f `csgcplckm fk` ck

    pfrtcgulfr cts nfscg O^ fgtcvctcms fk` prhgmssms wcto tom ckihraftchk tmgokhlhby icml`, womrmfstom prhbrfaackb hi `ftf prhgmssckb systmas mvhlvm` ckth stfk`fr`czm` rhutckms fk` pfgefbms hi

    mktmrprcsm rmshurgm plfkkckb (M^Z) shitwfrm. Hk tom wohlm, tomsm M^Z systmas ofvm tomcr hrcbck

    irha shitwfrm toft cktmbrftms ckihraftchk irha `ciimrmkt fpplcgftchks ckth hkm ukcvmrsfl `ftfnfsm.

    Pom lckefbm hi cts ickfkgcfl fk` ouafk rmshurgm ah`ulms torhubo hkm `ftfnfsm cs tom ahst

    caphrtfkt `cstckgtchk th tom ck`cvc`uflly fk` prhprcmtfry `mvmlhpm` prm`mgmsshrs, wocgo afems

    tocs shitwfrm fpplcgftchk nhto rcbc` fk` ilmxcnlm.

    Pom iukgtchk hi ouafk rmshurgms (O^) `mpfrtamkts cs f`ackcstrftcvm fk` ghaahk th fll

    hrbfkczftchks. Hrbfkczftchks afy ofvm ihraflczm` smlmgtchk, mvfluftchk, fk` pfyrhll prhgmssms.Afkfbmamkt hi "ouafk gfpctfl" prhbrmssm` th fk capmrftcvm fk` ghaplmx prhgmss. Pom O^

    iukgtchk ghkscsts hi trfgeckb mxcstckb maplhymm `ftf wocgo trf`ctchkflly ckglu`ms pmrshkfl

    ocsthrcms, seclls, gfpfnclctcms, fgghaplcsoamkts fk` sflfry. Ph rm`ugm tom afkufl whrelhf` hi

    tomsm f`ackcstrftcvm fgtcvctcms, hrbfkczftchks nmbfk th mlmgtrhkcgflly futhaftm afky hi tomsm

    prhgmssms ny cktrh`ugckb spmgcflczm` ouafk rmshurgm afkfbmamkt systmas. O^ mxmgutcvms rmly

    hk cktmrkfl hr mxtmrkfl CP prhimsschkfls th `mvmlhp fk` afcktfck fk cktmbrftm` O^AW. Nmihrm

    glcmktsmrvmr frgoctmgturms mvhlvm` ck tom lftm 63?:s, afky O^ futhaftchk prhgmssms wmrm

    rmlmbftm` th afckirfam ghaputmrs toft ghul` ofk`lm lfrbm fahukts hi `ftf trfksfgtchks. Ck

    ghksmqumkgm hi tom ocbo gfpctfl ckvmstamkt kmgmssfry th nuy hr prhbrfa prhprcmtfry shitwfrm,

    tomsm cktmrkflly `mvmlhpm` O^AW wmrm lcactm` th hrbfkczftchks toft phssmssm` f lfrbm fahukt hi

    gfpctfl. Pom f`vmkt hi glcmktsmrvmr, fpplcgftchk smrvcgm prhvc`mr, fk` shitwfrm fs f smrvcgm

    (WffW) hr ouafk rmshurgm afkfbmamkt systmas mkfnlm` ocbomr f`ackcstrftcvm ghktrhl hi sugo

    systmas. Gurrmktly ouafk rmshurgm afkfbmamkt systmas mkghapfss4

    c. Zfyrhll

    cc. Pcam fk` fttmk`fkgm

    ccc. Zmrihrafkgm fpprfcsfl

    cv. Nmkmicts f`ackcstrftchk

    v. O^ afkfbmamkt ckihraftchk systma

    vc.

    ^mgructckb/Lmfrkckb afkfbmamktvcc. Zmrihrafkgm rmghr`

    vccc. Maplhymm smli-smrvcgm

    cx. Wgom`ulckb

    x. Fnsmkgm afkfbmamkt

    xc. Fkflytcgs

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    Hur afck ihgus hk rmgructckb/lmfrkckb afkfbmamkt, ihr tocs wm gohhsm Dfaukf Nfke. Wh wm

    gfk glmfrly uk`mrstfk` O^CW rmgructamkt ah`ulm.

    6.6Hrcmktfhk hi tom Wtu`y

    6.6.: Hrcbck hi tom Wtu`y4

    Pocs rmphrt rmlftm` th tom ghaplmtchk hi tom ghursmOuafk ^mshurgm Ckihraftchk Wystmas fs f

    pfrt hi ANF prhbrfa. Pocs rmphrt cs bcvmk ny hur ghursm tmfgomr A@. Wofoc`ul Cslfa Ifecr fs

    tom rmqucrmamkt hi tom ghursm ghaplmtchk wctock spmgcicg brhup.

    6.6.6 Nfge -brhuk` hi tom Wtu`y4

    Omrm wm bmt f gofkgm th fpply hur tomhrmtcgfl ekhwlm`bm toft wm fgqucrm` irha glfss lmgturms,

    nhhes, dhurkfls, gfsm stu`cms, smackfr, prhdmgt, whresohp mtg fk` ghapfrm toma wcto prfgtcgflsmttckbs.

    6.6.> Zurphsm hi tom Wtu`y4

    Pocs cs tom ahst mssmktcfl pfrt hi tom ghursm Ouafk ^mshurgm Ckihraftchk Wystmas. Pocs rmphrt

    cs prmpfrm` fs tom ghursm ghaplmtchk rmqucrmamkt.

    6.6.7 Hndmgtcvm hi tom stu`y4

    Pom ultcaftm hndmgtcvm hi tom stu`y cs th bfck rmfl lcim mxphsurm ck tom nfkeckb smgthr bmt f glmfr

    c`mf fnhut nfkeckb hpmrftchks. c.m.

    6) Nucl`ckb ofnct hi whre fk` lmfrkckb rmsphkscnclcty hk tom `urftchk hi cktmrkmm.

    >) Bfckckb ekhwlm`bm fnhut f nfkes shurgm hi iuk`. C.m. ohw f nfke ghllmgt ahkmy irha

    `ciimrmkt shurgms.

    7) Roft tom caplcgftchk hi toft iuk`. c.m. ck wocgo smgthrs f nfke ckvmst Fs iuk`s fk`

    0) Aftgockb ocasmli wcto kmw pmhplm & mkvcrhkamkt.

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    6.6.0 Wghpm hi tom Wtu`y4

    Dfaukf nfke cs f vmry kmw nfke ck tom prcvftm smgthr. Pocs rmphrt cs f ah`ml hi tom nfkeckb

    smrvcgm prhvc`m` ny DNL.

    6.6.= Amtoh`hlhby hi tom Wtu`y4

    C trcm` th usm nhto prcafry fk` smghk`fry `ftf. Poft C ofvm bftomrm` irha `ciimrmkt shurgms.

    Zrcafrcly C bht sham `ftf irha ifgm-th-ifgm spmmgo hi `ciimrmkt maplhymms hi DNL ft Ihrmcbk

    Mxgofkbm Nrfkgo fk` sham irha `ciimrmkt rmphrts fk` imfturms hi tom nfke. Ft tom tcam hi ay

    cktmrksocp pmrch` C hnsmrvm` `ciimrmkt pfrtcms fk` tomcr trfksfgtchks irha f vmry glhsm mym. Fll hi

    tomsm hnsmrvftchks fk` `ftf frm ckglu`m` ck tocs rmphrt.

    6.6.9 Lcactftchk hi tom Wtu`y4

    C ofvm ifgm` f imw lcactftchks th prmpfrm tom rmphrt. Pomsm frm4

    Ct cs vmry `ciicgult th prhvc`m fky spmgcicg mxfaplm irha fky iclm fnhut gmrtfck `hguamkt,

    fs tom afttmr cs vmry smksctcvm ihr tom glcmkt fs wmll fs ihr tom nfke.

    Fs f ickfkgcfl hrbfkczftchk, f nfke ofs sham rmstrcgtchk th smrvm fll tom rmfl `ftf hi tom

    nfke th tom bmkmrfl pmhplm.

    Cksuiicgcmkt tcam.

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    >.: ^mgructamkt ah`ulm4

    Hklckm rmgructckb ah`ulm ofs nmgham hkm hi tom prcafry amtoh`s maplhym` ny O^

    `mpfrtamkts th bfrkmr phtmktcfl gfk`c`ftms ihr fvfclfnlm phsctchks wctock fk hrbfkczftchk.

    Pflmkt afkfbmamkt systmas typcgflly mkghapfss4

    fkflyzckb pmrshkkml usfbm wctock fk hrbfkczftchk5

    c`mktciyckb phtmktcfl fpplcgfkts5

    rmgructckb torhubo ghapfky-ifgckb lcstckbs5

    rmgructckb torhubo hklckm rmgructckb sctms hr punlcgftchks toft afremt th nhto rmgructmrs

    fk` fpplcgfkts.

    Pom scbkcicgfkt ghst ckgurrm` ck afcktfckckb fk hrbfkczm` rmgructamkt miihrt, grhss-phstckb

    wctock fk` fgrhss bmkmrfl hr ck`ustry-spmgcicg dhn nhfr`s fk` afcktfckckb f ghapmtctcvmmxphsurm hi fvfclfnclctcms ofs bcvmk rcsm th tom `mvmlhpamkt hi f `m`cgftm` fpplcgfkt trfgeckb

    systma, hr 'FPW', ah`ulm.

    >.6 ^mgructamkt Ah`ulm/Zrhgmss hi D A]K N KE LCACPM@

    DFA]KF NFKE LCACPM@ ihllhws ghaprmomkscvm fk` mxtmkscvm smlmgtchk prhgm`urms ck tomcr

    smfrgo ihr tom ahst c`mfl fk` ghapmtmkt prhimsschkfls. Pom tmstckb amtoh`s frm miimgtcvmly

    `mscbkm` ck hr`mr th fggurftmly mvfluftm tom rmqucrm` ghapmtmkgm fk` secll ihr pfrtcgulfr dhns.

    >.6.6 Whurgms hi Pflmkts4

    DFA]KF NFKE LCACPM@ trcms th `csghvmr ck`ustrchus fk` ckkhvftcvm pmhplm rmf`y th

    pfrtcgcpftm th f gofllmkbckb gfrmmr ck DFA]KF NFKE LCACPM@. @urckb tomcr smfrgo ihr

    tflmkt, tomy gfrry hut f kuanmr hi fgtcvctcms sugo fs4

    Ghllmgt GYs irha Dhn Ifcrs, rmgmptchk fk` vfrchus fltmrkftcvm shurgms.

    F`vmrtcsm ck `fcly kmwspfpmrs.

    Zrhvc`m hk-lckm `ftfnfsm.

    Fggmpt ofr`-ghpy sunacsschk hi GY s ck tomcr hiicgm.

    Fggmpt hk-lckm fpplcgftchk ck tomcr hiicgm.

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    >.6.> Hklckm Dhn Fpplcgfhk Wystma hi DFA]KF NFKE LCACPM@

    Pocs cs fnhut Fpplcgftchk Wystma hi DFA]KF NFKE LCACPM@. DFA]KF NFKE LCACPM@

    mkghurfbms fll gfk`c`ftms th fpply usckb tomcr hk-lckm prhgmss. Irha tocs hklckm systma tomy gfkmfscly prhgmss gfk`c`ftms fpplcgftchk qucgely fk` gfk`c`ftms wcll rmgmcvm fk fgekhwlm`bmamkt

    toft gfk`c`ftms fpplcgftchk ofs nmmk sfimly rmgmcvm`.

    Pocs Hklckm Fpplcgftchk Wystma fllhws gfk`c`ftm th fpply ihr fky vfgfkt phsctchk ck -

    DFA]KF NFKE LCACPM@- torhubo Cktmrkmt. Irha khw hk, gfk`c`ftm `hmsk't ofvm th afcl

    ocs hr omr rmsuam th tom Nfke. Roft om/som ofs th `h, om wcll dust icll up tom Hklckm

    Fpplcgftchk/^msuam Ihra fk` Glcge Wunact hptchk, DFA]KF NFKE LCACPM@ wcll rmgmcvm

    ocs/omr fpplcgftchk/rmsuam. Zlmfsm khtm toft, f gfk`c`ftm `hms kht ofvm th sunact, ocs/omr

    rmsuam twcgm ci om flrmf`y ofs rmsuam phstm` ft tom DFA]KF NFKE LCACPM@ DhnFpplcgftchk Wystma.

    Omrm wm wcll prhvc`m tom fgtufl m-rmgructamkt prhgm`urms hi DNL4

    Pomrm cs tom f`vmrtcsmamkt hi DNLX

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    Pom phtmktcfl gfk`c`ftms kmm` th glcge hk DNL lcke toft bcvmk hk tom f`vmrtcsmamkt. Pomk tom

    nfke wmn pfbm sohw tom ihllhwckb pcgturmX

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    Fitmr ghaplmtckb fnhvm tormm stmps fpplcgfkt wcll bmt tom ghkicraftchk fk` `mphsct slcp. Pocs cs

    lcem ihllhwckbX

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    Ci fkyhkm mktmr wrhkb ckihraftchk hr kmm` ghrrmgtchk tomk om/som wcll usm tom ihllhwckb stmpsX

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    >.6.7 mgructamkt & msphkscnclcms4

    F Gfk`c`ftm Ofs th ^mf` Gfrmiully tom Ihllhwckb Ckstrugtchks Nmihrm Fpply Hklckm ihr Ocs

    @mscrm` Zhsctchks. Om sohul` bh torhubo tom `mtfcl dhn rmqucrmamkts & rmsphkscnclcty nmihrm

    fpplyckb ihr fky phsctchk

    F gfk`c`ftm sohul` kht fpply ihr fky phsctchk toft `hmsk't aftgo wcto ocs dhn rmqucrmamkts.

    Om sohul` smlmgt, irha tom vfgfkgy lcst, tom pfrtcgulfr Dhn Yfgfkgcms (kht ahrm tofk > dhns)

    om wfkts th fpply ihr.

    Om sohul` glcge ft "Fpply Hklckm" th bmt tom Fpplcgftchk/ ^msuam Ihra.

    Om gfk flsh `hwklhf` fk` Wfvm tom Fpplcgftchk/^msuam Ihra, icll ct hii-lckm th sunact ct

    hklckm lftmr hk.

    Om wcll nm bcvmk f trfgeckb kuanmr, wocgo om gfk usm ihr fky iurtomr rmimrmkgm wcto rmspmgt

    th ocs fpplcgftchk ck DFA]KF NFKE LCACPM@.

    >.6.0 Ckstrughks ihr M`ckb

    Pocs hklckm Fpplcgftchk Wystma prhvc`ms tom ifgclcty th m`ct/up`ftm Zhstm` ^msuam fky tcam.

    F gfk`c`ftm sohul` rmamanmr tom Zfsswhr` om ofs mktmrm` ft tom tcam hi ^msuam

    Wunacsschk. Flsh om ofs th rmamanmr tom trfgeckb kuanmr om cs bcvmk ny tom systma hkgm ocs

    Fpplcgftchk/^msuam ofs nmmk suggmssiully phstm`.

    Ci om ofs kht bht tom trfgeckb kuanmr fk` f pfsswhr`, om gfk lhb ck th tom 'M`ct ^msuam' Nhx

    fk` afem kmgmssfry up`ftm hi yhur prhvc`m` ckihraftchk (ckglu`ckb tom pfrtcgulfr phsctchk

    fpplcm` ihr)

    Zlmfsm khtm toft, f gfk`c`ftm `hmsk't ofvm th sunact rmsuam mvmry tcam f kmw vfgfkgy cs

    fkkhukgm` ny DFA]KF NFKE LCACPM@ om ofs th `h cs-dust lhb ck th ocs rmsuam fgghukt

    fk` smlmgt tom kmw dhn hpmkckb irha tom lcst.

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    7.: ^mgructamkt Zrhgmss hi DNL4

    ^mgructamkt cs tom prhgmss hi ick`ckb fk` fttrfgtckb gfpfnlm ck`cvc`ufls th fpply ihr maplhyamkt.

    Wuggmss ck rmgructckb cs kht scaply amfsurm` ny tom kuanmr hi fpplcgftchks rmgmcvm`. Pom rcbot

    typm hi fpplcgfkt cs ifr ahrm caphrtfkt tofk tom kuanmr hi fpplcgfkts

    Dhn fkflyscs ckihraftchk cs emy th tom suggmss hi tom mk`mfvhr. Ct mksurms toft tom ckguanmkt wcll

    ammt tom rmqucrmamkts hi tom dhn fs wmll fs ck`cvc`ufl fttrcnutms `mmam` kmgmssfry. Dhn fkflyscs

    ckihraftchk mxcsts ck dhn `msgrcptchks fk` spmgcicgftchks. Ci tocs ckihraftchk `hms kht mxcst,

    afkfbmrs ghaamkts nmgham ckvflufnlm. Ihr mxfaplm, rmqucrmamkts afy ckvhlvm ekhwlm`bm,

    nut kht mxpmrcmkgm, lmf`ckb th rmgructamkt miihrts ck lhgfl m`ugftchkfl ckstctutchks. C`mktciyckb

    mxpmrcmkgm fs f rmqucrmamkt whul` mlcackftm m`ugftchkfl ckstctutchks irha rmgructamkt miihrts

    wcto tom mxgmptchk hi ghktckuckb m`ugftchk.

    7.6 Ghksc`mr tom Ihllhwckb ck @mtmrackckb mgructamkt Kmm`s4

    Romk ghksultckb tom dhn `msgrcptchk ihr tom phsctchk, c`mktciy fgtufl `utcms fk` lhhe ihr htomr

    fttrcnutms toft acbot nm omlpiul.

    @mtmrackm tom gofrfgtmrcstcgs hi hrbfkczftchk' s gulturm. Roft fttrcnutms acbot f pmrshk kmm`

    th ict ck8

    Roh wcll nm supmrvcsckb tom phsctchk8 Roft fttrcnutms sohul` f pmrshk phssmss th smrvm fs f

    ghaplmamkt th tocs nhss8

    Rcto woft htomr ck`cvc`ufls wcll tocs pmrshk ofvm `fy-th-`fy ghktfgt8 Frm tomrm gmrtfck brhup

    gofrfgtmrcstcgs toft kmm` th nm tfemk ckth fgghukt8

    Lhhe frhuk` yhur mkvcrhkamkt. Roft htomr ifgthrs acbot ofvm th nm tfemk ckth ghksc`mrftchk

    th fssurm f tohrhubo fssmssamkt hi phsctchk gofrfgtmrcstcgs8

    ]k`mrstfk`ckb tom ghkstrfckts hk rmgructamkt cs flsh emy th suggmss. Fs tom lfnhr afremt tcbotmks,

    ct nmghams mvmk ahrm caphrtfkt th `mtmrackm tom ahst fpprhprcftm rmgructamkt shurgms. Ck toft

    wfy, nu`bmts frm spmkt ck f afkkmr toft wcll prhvc`m f phsctcvm rmturk hk ckvmstamkt.

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    7.> Fpplcgfhk Wgrmmkckb

    Fk hrbfkczftchks hvmrfll miimgtcvmkmss fk` suggmss `mpmk`s hk tom quflcty hi tom maplhymms

    ct ocrms. Weclls fk` quflcicgftchks aust glhsmly aftgo tom hrbfkczftchks gulturm fk` strftmbcg

    rmqucrmamkts.

    Pom smlmgtchk prhgmss nmbcks wcto mvfluftckb rmsuams fk` ghvmr lmttmrs miimgtcvmly. Pom emy

    th mvfluftckb f rmsuam cs th rmafck capfrtcfl, pfrtcgulfrly ci tom gfk`c`ftm cs ekhwk. Lhhe

    spmgcicgflly ft tom ihllhwckb ghaphkmkts4

    7.7 Hvmrfll Fppmfrfkgm

    Frm tomrm spmllckb mrrhrs8

    Cs mvmrytockb ck tom prhpmr tmksm8

    @hms ct ofvm f "tmxtnhhe" fppmfrfkgm - `c` tom fpplcgfkt hr f prhimsschkfl prmpfrm ct8 t*

    Roft caprmssms yhu phsctcvmly fk` kmbftcvmly8

    7.0 Hrbfkczfhk

    @hms tom rmsuam tmll yhu woft yhu wfkt th ekhw8

    Ofs gfrm nmmk tfemk th ckglu`m ckihraftchk toft wcll omlp yhu ck tom `mgcschk afeckb

    prhgmss8

    @hms ct rfanlm8

    Frm ck`cvc`ufl mktrcms ghkscstmkt fk` uk`mrstfk`fnlm8

    @h yhu ick` tom ckihraftchk yhu kmm` womk lhheckb uk`mr tom lhbcgfl gftmbhry8

    7.= M`ugfhk

    Lhhe ft tom ahtcvftchk hi fk fpplcgfkt woh phssmssms ahrm m`ugftchk tofk tom

    phsctchk rmqucrms.

    Lhhe ihr crrmbulfrctcms wcto m`ugftchk lcstm`. Ahrm tofk 7:% hi fll fpplcgfkts lcm hk rmsuams,

    pfrtcgulfrly fnhut m`ugftchk.

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    7.9 Mxpmrcmkgm

    @hms tom fpplcgfkt prhvc`m pfrfamtmrs irha wocgo th du`bm rmsphkscnclcty8 (kuanmr

    supmrvcsm`, sczm hi nu`bmt, fahukt hi sflms) C* @utcms vs. rmsphkscnclcty - woft `c` tomy

    fgtuflly `h8

    @h tomy prhvc`m f lcst hi fgghaplcsoamkts, wocgo bcvm fk ck`cgftchk hi whre mtocg fk`

    whreckb ekhwlm`bm8

    Cs tocs f rmfl dhn tctlm8 Afky fpplcgfkts gfk nm prmtty irmm wcto `msgrcptchks.

    Khtm tom irmqumkgy hi dhn gofkbms -cs tocs ghktrfgt whre hr f dhn ohppmr8

    7.2 mimrmkgms

    ]sm tom pohkm. Ahst rmimrmkgms frm ahrm lcemly th nm ohkmst hvmr tom pohkm hr ck pmrshk

    rftomr tofk ck f ihrafl lmttmr.

    Wmme ckihraftchk hk dhn - rmlftm` nmofvchr. Fse ihr `mtfcls sugo fs tfr`ckmss fk`

    fnsmktmmcsa, rftomr tofk pmrshkflcty trfcts, sugo fs fanctchk fk` cktmllcbmkgm, wocgo frm

    ofr` th mvfluftm.

    @h fse, "Rhul` yhu rmocrm tocs maplhymm8"

    @h fse, "Ohw cs tocs pmrshks nmofvchr ck f brhup smttckb8"

    Rftgo hut ihr porfsms wcto oc``mk amfkckbs. Ahst rmimrmkgms `h kht nlftfktly lcm, tomy

    scaply `hkt tmll tom wohlm truto. F pmrshk `msgrcnm` fs shamhkm woh cs `mmply ghaacttm`

    th ifacly fk` ircmk`s afy nm shamhkm woh wcll kht whre nmyhk` icvm h' glhge.

    7.? Ghvmr Lmmr

    Cs ct wrcttmk ck prhpmr nusckmss ihraft8

    Cs tomrm gfrm sohwk ck tom prmpfrftchk hi tom lmttmr8 Cs ct f``rmssm` th yhu hr "@mfr Wcr"8

    Cs ct fk hrcbckfl lmttmr hr frm yhu hkm hi 733 rmgcpcmkts8 Lhhe ihr rmimrmkgms spmgcicg th yhur

    hrbfkczftchk rftomr tofk gfkkm` porfsms.

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    Cs tom spmllckb fk` brfaafr ghrrmgt8

    @hms tom lmttmr fgocmvm cts hndmgtcvm8 @hms ct caprmss yhu wcto tom fpplcgfkts ihgus fk`

    rmfshks ihr wfktckb tom dhn8

    Rcll tom afremtckb quflcty toft smlls yhu hk tom fpplcgfkt ghktrcnutm th yhur hrbfkczftchk8

    7.3 Wgrmmkckb Fpplcgfkts ny Pmlmpohkm

    Hkgm f O^ afkfbmr ofs `mtmrackm` tom quflcicm` fpplcgfkts, ghksc`mr ocs icrst ghktfgt fs f

    sgrmmkckb thhl. Zohkm gflls hiimr trmamk`hus hpphrtukctcms th bftomr ckihraftchk fnhut f pmrshks

    nfgebrhuk`, lmvml hi ghkic`mkgm, ghaaukcgftchk seclls, mtg. Ct cs flsh f ifstmr prhgmss tofk

    pmrshkfl cktmrvcmws sckgm ghkvmrsftchk tmk`s th nm sohrtmr. Ct mlcackftms tom ofsslm hi sgom`ulckb,

    rmsmrvckb rhhas fk` htomr tfses fk mxtrf tcam. Zohkm cktmrvcmws frm vcmwm` fs lmss ihrafl fk`

    frm tomrmihrm ahrm rmlfxm`. Ohwmvmr, tocs cs kht th rmplfgm pmrshkfl cktmrvcmws mktcrmly.

    7.6: Zrmpfrfhk ihr Pmlmpohkm Cktmrvcmws cs Grcgfl

    @mvmlhp glmfrly whr`m` qumstchks fk` hutlckm woft yhu mxpmgt ihr fkswmrs. Mksurm yhu fse

    tom sfam qumstchks th fll fpplcgfkts. Zrmpfrm woft yhu wcll sfy fnhut tom dhn fk` hrbfkczftchk womk sgrmmkckb fpplcgfkts.

    Zrmpfrm fk mvfluftchk ihra toft wcll nm usm` ihr fll fpplcgfkts. Khtms wcll kht prhvc`m tom

    sfam glfrcty fs f ihra, wocgo bcvms f suaafry hi mxpmrcmkgm ck tom sfam plfgm ihr mfgo

    fpplcgfkt. Mksurm yhu trmft mvmryhkm tom sfam.

    Zrmpfrm ihr tom ghaahk qumstchks toft fpplcgfkts frm ahst lcemly th fse.

    ^momfrsm tom sgrmmkckb prhgmss.

    Nlhge hut tcam th sgrmmk fpplcgfkts sh yhu wcll kht nm cktmrruptm`.

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    7.66 Zmrshkfl Cktmrvcmws

    ^mghbkczm toft tom nmst pmrshk ihr f dhn cs hkm woh ick`s tom dhn gofllmkbckb fk` cs fnlm th `h tom

    afdhrcty hi ct uphk ocrckb. Pom rulm hi touan cs th smlmgt shamhkm woh gfk `h ?:% hi tom dhn.

    Ckstmf` hi fseckb tom prm`cgtfnlm qumstchks, "Pmll am fnhut yhursmli" fk` tom lcem, ghksc`mr

    fseckb tom pmrshk th tml-6 yhu f sthry fnhut f tcam womk tomy of` th `mfl wcto f `ciicgult

    gusthamr. Roft wfs tom sctuftchk8 Ohw `c` tom pmrshk fttmapt th ofk`lm ct8 Roft wfs tom rmsult8

    Roft `c` tom pmrshk lmfrk8 F sthry fllhws ckscbot ckth tom pmrshk' s phcsm, fttctu`m fk` fnclcty th

    ghaaukcgftm. ]sm porfsms sugo fs "Omlp am uk`mrstfk`---"

    Mfgo gfk`c`ftm sohul` nm cktmrvcmwm` ck tom sfam wfy. Vumstchks, mxmrgcsms fk` tfses sohul` kht

    vfry fk` aust fll nm dhn-rmlftm`. Pry th sgom`ulm cktmrvcmws ck tom ahrkckb sckgm tohsm

    cktmrvcmwm` lftm ck tom fitmrkhhk tmk` th suiimr ck tom mvfluftchk prhgmss.

    @mvmlhp qumstchks wcto gfrm bcvmk th ohw tomy frm ihram`. Mfgo qumstchk sohul` f``rmss `mickm`

    grctmrcf ihr tom dhn. Vumstchks wcll ifll ckth icvm gftmbhrcms

    Gfrmmr bhfls/hggupftchkfl hndmgtcvms

    M`ugftchk Rhre mxpmrcmkgm

    Bmkmrfl seclls fk` fptctu`ms rmlftm` th dhn grctmrcf

    Fttctu`ms fk` pmrshkflcty gofrfgtmrcstcgs

    Romk Ghk`ugtckb Cktmrvcmws, Emmp Pomsm Pcps ck Ack`4

    ^mvcmw tom gfk`c`ftms fpplcgftchk aftmrcfls nmihrm yhu wfle ckth tom cktmrvcmw.

    Zrmpfrm tom lhgftchk th afem surm tockbs frm ck hr`mr fk` toft kh cktmrruptchks wcll hggur.

    Zut tom gfk`c`ftm ft mfsm. @hk' t afem toma wfct. F lcttlm safll tfle kmvmr ourts.

    Hutlckm tom cktmrvcmw prhgmss, nut `h kht c`mktciy f tcam irfam. Ci tom cktmrvcmw bhms phhrly,

    mk` ct qucgely.

    Emmp fk hpmk ack` ny tryckb kht th prmdu`bm tom gfk`c`ftm nfsm` hk tom icrst 7: smghk`s hi

    ghktfgt.

    Lmt tom gfk`c`ftm `h tom tfleckb

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    Nm fttmktcvm.

    Hnsmrvm nh`y lfkbufbm - cs tomrm f lmvml hi mktouscfsa fk` ghkic`mkgm8

    Pfem khtms.

    Afcktfck ghktrhl - nm gfrmiul kht th lmt tom cktmrvcmwmm tfem hvmr.

    Zrhnm ckghaplmtm fkswmrs. Pmst ihr gofrfgtmr - fitmr f pmrshk ofs bcvmk tom fkswmr, fse toma fnhut tomcr fpprhfgo fk`

    rmfshkckb.

    Emmp rmfgtchks th yhursmli.

    Glhsm tom cktmrvcmw hk f phsctcvm khtm. ^mirfck irha fkkhukgckb f `mgcschk.

    Rrctm fk cktmrvcmw suaafry.

    7.6> Wmghk` Cktmrvcmws

    Wmghk` cktmrvcmws frm flwfys f bhh` c`mf, nut fnshlutmly kmgmssfry womkmvmr ahrm tofk hkm

    gfk`c`ftm cs hutstfk`ckb. Pomy frm fk hpphrtukcty ihr iurtomr fssmssamkt. Glfrciy fpplcgfkt' s

    kmm`s, `mscrms fk` quflctcms. Acsuk`mrstfk`ckbs usuflly prhvm ghstly.

    Lhhe ihr oht nutthks `urckb yhur ghkvmrsftchk toft rmvmfl tom pmrshks rmfl prchrctcms fk` cktmrmsts

    ck tom phsctchk. Mspmgcflly lhhe ihr glums ck ghaamkts fnhut suggmss, kmm`s ihr rmghbkctchk hr

    ahkmtfry rmwfr` hr gofllmkbm. F sfaplm qumstchk acbot nm, "Roft tockbs frm caphrtfkt th yhu ckyhur gfrmmr `mvmlhpamkt8"

    ]sm yhur cktuctchk. Ci shamtockb `hmskt imml rcbot, ckvmstcbftm. @hkt nm firfc` th smll ci yhur thp

    gfk`c`ftm cs ck ocbo `mafk`, "Roft wcll ct tfem ihr yhu th gham th whre ihr us8" Bmt toma th

    c`mktciy fll ghkgmrks fk` `mscrms fk` tomk f``rmss mfgo hkm.

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    7.67 Khiyckb Gfk`c`ftms

    Miicgcmkt `mgcschk-afeckb rm`ugms tom lhss hi mxgmllmkt gfk`c`ftms. Pom mktcrm smlmgtchk prhgmss

    ihr fky gfk`c`ftm sohul` tfem kh ahrm tofk tormm wmmes.

    Mvmry uksuggmssiul fpplcgfkt woh ofs nmmk cktmrvcmwm` sohul` rmgmcvm f rmsphksm wctock twh hr

    tormm `fys ny afcl. Ihra lmttmrs gfk nm vmry omlpiul th mksurm f glmfk prhgmss. Shu frm kht

    hnlcbftm` th mxplfck yhur rmfshks ihr rmdmgtchk.

    7.60 Zfrt-am Maplhyamkt4

    Romtomr om cs f prhimsschkfl smmeckb brmftmr gofllmkbms hr f stu`mkt manfreckb(pfrtcgcpftckb) hkfk mxgctckb kmw gfrmmr, DFA]KF NFKE LCACPM@ wcll mkofkgm oca phtmktcfls fk` mvmk omlp

    oca th `csghvmr ocasmli. Ci om cs f iull-tcam hr f pfrt-tcam stu`mkt (cktmrksocp) wcsockb th bfck

    whre mxpmrcmkgm fk` ickfkgcfl supphrt, tomk O^ `mpfrtamkt cs dust tom plfgm ihr oca th fpply.

    OWNG ihllhws ghaprmomkscvm fk` mxtmkscvm smlmgtchk prhgm`urms ck tomcr smfrgo ihr tflmkt. Pom

    tmstckb amtoh`s frm miimgtcvmly `mscbkm` ck hr`mr th fggurftmly mvfluftm tom rmqucrm` ghapmtmkgm

    fk` seclls ihr pfrtcgulfr dhns.

    7.6= Cktmrksocp4

    Omrm f stu`mkt ofs fk hpphrtukcty th bmt vflufnlm whre mxpmrcmkgm fs f stu`mkt.

    F stu`mkts cktmrksocp afres tom mk` hi ocs m`ugftchk fk`, ahrm hitmk tofk kht, `mgc`ms ocs iuturm

    ny ck`cgftckb tom nmbckkckb hi ocs gfrmmr. Pocs ck-`mpto stu`y rmqucrms spmgcfl fttmktchk sckgm ct

    afy afre tom nmbckkckb hi yhur lcim fs f prhimsschkfl.

    DFA]KF NFKE LCACPM@ hiimrs stu`mkts tom pmrimgt hpphrtukcty th bfck hk-tom-dhn

    mxpmrcmkgm ny supphrtckb fk` .buc`ckb toma `urckb tomcr cktmrksocp prhbrfas ck afky hi

    DFA]KF NFKE Lcactm`s nusckmss frmfs. Fitmr fll, DFA]KF NFKE LCACPM@ ekhws toft

    th`fys stu`mkts ghul` nmgham thahrrhws ahst miicgcmkt maplhymms.

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    DFA]KF NFKE LCACPM@ ohsts f stmf`cly ckgrmfsckb kuanmr hi stu`mkts smmeckb prfgtcgfl

    mxpmrcmkgm torhubo cktmrksocps. Pomy ghllmgt lcst hi cktmrks irha vfrchus ]kcvmrsctcms fk` lhhe

    hut ihr tom fpprhprcftm hpphrtukcty th ick` prhvcschks ihr cktmrks ck tom nfke. Gfk`c`ftms frm tomk

    gfllm` ihr cktmrvcmws, wocgo afy nm pfkmlm` fk` smqumktcfl. Cktmrks frm smlmgtm` hk tom nfscs hi

    cktmrvcmw ick`ckbs, wocgo mvfluftm tom kmgmssfry quflcicgftchks rmqucrm` ihr tom ihllhwckb hi tomcrnusckmss `mpfrtamkts4

    ^mtfcl Nfkeckb

    WAM

    Grm`ct gfr` @cvcschk

    Ouafk ^mshurgm

    Gfso

    Wtu`mkts ghk`ugtckb cktmrksocps ft DFA]KF NFKE LCACPM@ frm hiimrm` ghapmtctcvm pfy

    fgghr`ckb th tom sgflm hi cktmrks' themk pfy. Fk cktmrksocp prhbrfa lfsts ihr f afxcaua `urftchk

    hi 7 ahktos

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    0.: kflyscs hi @ftf4

    Pom qumstchkkfcrm ofs nmmk survmym` th ick` hut hr th vcsuflczm tom "Ouafk ^mgructamkt Zrhgmss

    hi DFA]KF NFKE LCACPM@. C survmym` ct fahkb >= stfiis hr maplhymms hi DFA]KF

    NFKE LCACPM@. Fitmr survmy, C `c` tom whre hi cktmrprmtftchk, amfks, woftmvmr, wm ihuk`. Hur

    ick`ckbs frm lcstm` nmlhw fgghr`ckb th tom smrcfl hi tom qumstchkkfcrm4

    Ck tom cktmrprmtftchk hi qumstchkkfcrm, C ofvm usm` sfam brfpos, nmgfusm hi,

    Ihr afeckb ct ahrm glmfr.

    Ihr fvhc`ckb acstfems.

    C ofvm flrmf`y amktchkm` ck tom fssuaptchk toft, fll stfiis frm, fkyohw, ckvhlvm` wcto

    rmgructamkt prhgmss ihr afeckb tom survmy mfscmr, nmgfusm ct cs f lcttlm nct `ciicgult tfse th afem

    tom survmy ck "Ocbo Lmvml Afkfbmamkt". Rm nmlcmvm, th`fy's "Ac`-Lmvml Afkfbmrs hr Hiicgmrs"

    frm tom pfrt hi iuturm "Ocbo Lmvml Afkfbmamkt".

    C `c` tom survmy ck tom "Gusthamrs ^mlftchk @cvcschk". Wh, fll tom maplhymms, thhe pfrt ck tom

    survmy, wmrm irha "Gusthamrs ^mlftchk @cvcschk". Ck f sohrt pmrch` hi tcam, ct wfs kht phsscnlm

    ihr us th prhvc`m ahrm fiihr`s hr th survmy ck fkhtomr `cvcschks.

    Whamtcams, tom qumstchkkfcrm `c` kht rmilmgt tom "Fgtufl Ckihraftchk" hi tom afkfbmr, acbot nm

    om hr som `c` kht sohw ocs hr omr nmst cktmrmst ck tom qumstchkkfcrm.

    C flrmf`y amktchkm` toft, tom survmy ofs nmmk `hkm wctock >= maplhymms hr stfiis hr hiicgmrs. Pom

    rmsult ofs nmmk ghkvmrtm` th "6::" ihr afeckb tom amfkckb mfscly uk`mrstfk`fnlm.

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    >7

    0.6 Fbm hi Maplhymms

    Icb. 64 Fbm hi Maplhymm- Ct cs glmfr toft afxcaua rmsphk`mkts frm irha >=-7= toft cs tom yhukb

    th ac`-lmvml.

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    >0

    0.> M`ugftchkfl stftus hi Maplhymms

    Icb >4 M`ugftchkfl lmvml- Pohubo ct cs kmfrly tom sfam (tom brf`uftms fk` afstmrs lmvml hi

    rmsphk`) tom afxcaua rmsphk`mkts frm irmso fk` afturm` brf`uftms. Ct flsh ck`cgftms tomnflfkgm nmtwmmk m`ugftchkfl stftus hi maplhymms fk` fbm hi maplhymm (ck tocs fk` fnhvm

    icburm).

    =>0?

    :

    >:

    0:

    9:

    ?:

    6::

    Brf`futm Afstmrs

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    >=

    0.7 @hms Dfaukf Nfke prmimr Mxtmrkfl Whurgm tofk Cktmrkfl Whurgm Ihr

    ^mgructamkt8

    Icb. 74 ^mgructamkt shurgm- Mxtmrkfl cs ahrm phpulfr tofk cktmrkfl shurgms. Pocs cs nmgfusm

    mxtmrkfl shurgms nrckb tom hpphrtukcty th ghllmgt irha f vfst rfkbm hi pmhplm wcto `ciimrmkt lmvmlshi m`ugftchk. Ahrmhvmr ct f`vmrtcsms ihr tom nfke flhkb wcto f brmft omlp ihr tom rmsphk`mkts th

    lmfrk fnhut tom nfke ck `mtfcls. Flsh, ct ckgrmfsms tom rmghbkctchk hi tom nfke ck tom afremt.

    :

    6:

    >:

    7:

    0:

    =:

    9:

    2:

    ?:

    Cktmrkmt Kmwspfpmr

    ?:

    >:

    Am`cf

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    >9

    0.= @hms ct prmimrs Cktmrkmt tofk Kmwspfpmr ihr ^mgructamkt8

    Icb. 0 4 Am`cf- cktmrkmt cs prmimrrm` ahrm tofk kmwspfpmr nhto ihr tom rmgructmrs fk` tom

    rmsphk`mkts tocs cs prhnfnly nmgfusm DFA]KF NFKE LCACPM@ lhhes ihr ghaputmr m`ugftm`pmhplm toft cs woy tomy flsh sunacts ahrm gcrgulfr hk tom cktmrkmt tofk tom kmwspfpmrs.

    :

    >:

    0:

    9:

    ?:

    Cktmrkmt Kmwspfpmr

    ?:

    >:

    Am`cf

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    >2

    0.9 @h yhu tocke Cktmrkfl Whurgm cs kht ncfsm`8

    Icb =4 Ncfskmss- Hnvchusly cktmrkfl shurgms frm ncfsm` htomrwcsm ct whul` kht nm phsscnlm th

    rmturk f afdhr ukct hi pmhplm wctock f sohrt pmrch` ahrmhvmr tom pmhplm woh of` bhh` tmras wctotom hiicgmrs bht nmkmictm`.

    :

    6:

    >:

    7:

    0:

    =:

    9:

    2:

    ?:

    Sms Kh

    ?:

    >:

    Ncfskmss

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    >?

    0.2 @hms ct ]sm ^mghr` ihr Futhafgflly @csquflciy F Gfk`c`ftm8

    Icb 94 Frrmst- Zrhnfnly ci tom cssum cs vmry grctcgfl, frrmst rmghr`s nmgham f afdhr grctmrcf ihr

    `csquflcicgftchk htomrwcsm ihr lcttlm capfgt nhto ck dhn rmlftm` icml` fk` ck htomr icml`s, frrmst

    rmghr`s frm kht f ifgthr.

    :

    6:

    >:

    7:

    0:

    =:

    9:

    Kh Sms, ci ct cs dhn

    rmlftm`

    kh

    9:

    7>

    ?

    Frrmst

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    >3

    =.: Ick`ckbs

    Pohubo ahrm gcrgulfrs frm ihuk` hk tom cktmrkmt (n`dhns.gha, mtg) tofk tom kmwspfpmr prhnfnly

    th smfrgo ihr tom ghaputmr, fgghuktckb mtg rmlftm` pmhplm, pmhplm irha ahst lmvmls prmimrrm th

    bh torhubo kmwspfpmrs ihr smfrgockb tom suctfnlm dhn wocgo ofs nmgham f trf`ctchk hkly f imw

    pmhplm utclczms tom phwmr hi cktmrkmt. Fk` woh frm bmttckb nmkmictm`.

    Pohubo psygohlhbcgfl qumstchks frm prmimrrm` ahrm ny tom rmgructmrs, stcll tomrm cs kmm` ihr ahrm

    tomhrmtcgfl qumstchks flhkb wcto ct nmgfusm th tmst tomcr tomhrmtcgfl ekhwlm`bm rmlftm` th tomcrwhre icml`.

    Frrmst rmghr`s frm af`m kmblcbcnlm ck tom cktmrvcmwckb prhgmss wocgo sohul` nm bcvmk ahrm strmss

    th mlcackftm irfu`ulmkgm ck tom nfke.

    Rm ekhw DFA]KF NFKE LCACPM@ cs tom ghuktry's hkm hi tom rmkhwkm` rmtfcl nfkes, nut ck

    tom survmy ct cs ihuk` toft ahst rmsphk`mkts frm omrm ihr tomcr hwk nmkmicts kht ihr tom nfke

    bhh`wcll.

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    7:

    9.: ^mghaamk`fhks

    Cktmrprmtftchk hi tom qumstchkkfcrm ofs nmmk sohwm` nmihrm. Irha toft wm lmfrkm` sh afky

    ifgthrs toft ofvm capfgt hk tom "^mgructamkt Zrhgmss hi DFA]KF NFKE LCACPM@. Wugo fs4

    =.6 ^ulms fk` ^mbulftchks hr Prf`ctchks (ck Nrcmi)

    DFA]KF NFKE LCACPM@ flwfys prmimrs toft gfk`c`ftms woha fbms ifll ckth tom

    gftmbhry hi

    Pomcr M`ugftchkfl ^mqucrmamkt cs ackcaua Brf`uftm" ck ahst gfsms.

    Pomy prmimr "Mxtmrkfl Whurgm" ihr rmgructamkt.

    Fahkb tom "Mxtmrkfl Am`cf's" tomy prmimr "Cktmrkmt" ahst.

    Pom pmhplm woh nmlcmvm toft DFA]KF NFKE LCACPM@ usms "Cktmrkfl Whurgm" ihr

    rmgructamkt, fahkb toma, ahst hi tom pmhplms nmlcmvm toft "Cktmrkfl Whurgm" cs ncfsm`.

    Ft tom tcam hi rmgructamkt, tomy fse f gfk`c`ftm "Zsygohlhbcgfl Vumstchks".

    Afky hi toma nmlcmvm toft tomy `hk't lhhe ihr "Zrmvchus Mxpmrcmkgm" ihr rmgructamkt fk`

    tom rmst nmlcmvm toft, "Zrmvchus Mxpmrcmkgm" cs caphrtfkt ci ct cs "Dhn ^mlftm`.

    Ahst hi toma usms "Frrmst ^mghr`" ihr futhaftcgflly `csquflciy f pmrshk.

    Afky hi toma `hk't prmimr imaflm tofk aflm ck tom "Wfam Zhsctchk Ofvckb Wfam

    Fnclcty".

    Ahst hi toma prmimr "Ackhrcty Brhups" ihr rmgructamkt5 mvmk tomy `hk't fse ihr bhh`

    m`ugftchkfl rmqucrmamkt ck gfsm hi toma.

    Ck ahst gfsms, tomy rmofnclctftm maplhymms fitmr poyscgfl hr amktfl `mprmsschk.

    Pomy `c`k't ifgm fky typm hi qumstchk ck tom cktmrvcmw, wocgo wfs kht dhn rmlftm`. Poft

    amfks, DFA]KF NFKE LCACPM@ `hmsk't fse fky qumstchk ck tom cktmrvcmw, wocgo

    cs kht dhn rmlftm` `urckb rmgructamkt.

    Kh gfk`c`ftm usuflly `hms ifgm fky typm hi `csgrcackftchk `urckb rmgructamkt prhgmss.

    =.> Mtocgfl Cssums hr Nurkckb Vumstchks (ck Nrcmi)

    Ahst hi toma ghksc`mr toft "Frrmst ^mghr`" sohul` kht nm usm` ihr futhaftcgflly`csquflciy f pmrshk.

    Afky hi toma tocke toft imaflm sohul` kht nm prmimrrm` ihr tom sfam phsctchk ofvckb

    sfam fnclcty.

    Flahst mvmrynh`y bcvm tom hpckchk toft "Bhh` M`ugftchkfl

    ^mqucrmamkt" sohul` nm fsem` ck gfsm hi ackhrcty brhups.

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    76

    2.: Ghkgluschk4

    Pohubo ahrm gcrgulfrs frm ihuk` hk tom cktmrkmt (n`dhns.gha, mtg) tofk tom kmwspfpmr

    prhnfnly th smfrgo ihr tom ghaputmr, fgghuktckb mtg rmlftm` pmhplm, pmhplm irha ahst lmvmls

    prmimrrm` th bh torhubo kmwspfpmrs ihr smfrgockb tom suctfnlm dhn wocgo ofs nmgham f

    trf`ctchk hkly f imw pmhplm utclczms tom phwmr hi cktmrkmt. Fk` woh frm bmttckb nmkmictm`.

    Pohubo psygohlhbcgfl qumstchks frm prmimrrm` ahrm ny tom rmgructmrs, stcll tomrm cs kmm` ihr

    ahrm tomhrmtcgfl qumstchks flhkb wcto ct nmgfusm th tmst tomcr tomhrmtcgfl ekhwlm`bm rmlftm` th

    tomcr whre icml`.

    Frrmst rmghr`s frm af`m kmblcbcnlm ck tom cktmrvcmwckb prhgmss wocgo sohul` nm bcvmk

    ahrm strmss th mlcackftm irfu`ulmkgm ck tom nfke.

    Rm ekhw DFA]KF NFKE LCACPM@ cs tom ghuktry's hkm hi tom rmkhwkm` rmtfcl nfkes,

    nut ck tom survmy ct cs ihuk` toft ahst rmsphk`mkts frm omrm ihr tomcr hwk nmkmicts kht ihr tomnfke bhh`wcll.

    Fgtuflly, ct's f vmry thubo dhn th ick` hut tom "Ouafk ^mgructamkt Zrhgmss hi Fky

    Hrbfkczftchk", nmgfusm, tom lfge hi "Wtrugturm` Imfturms" toft mxcsts ck toft hrbfkczftchk ft

    tom tcam hi "^mgructamkt". Ckstmf` hi toft, wm ghk`ugtm` f survmy th ick` hut toft ck

    DFA]KF NFKE LCACPM@ Pom "Vumstchkkfcrm" ghkvmys tohsm ifgthrs ck wocgo tomy

    nmlcmvm hr wocgo tomy wfkt th gham trum. Pom afck prhnlma, wm ifgm` ck ick`ckb hut tom

    "^mgructamkt Zrhgmss hi DFA]KF NFKE LCACPM@ wfs tom lfge hi fky nhhe hr `hguamkt

    toft ghktfckckb wrctckbs fnhut tomcr "Oyphtomtcgfl ^mgructamkt Zrhgmss". Ahrmhvmr, ck tomrmstrcgtchk hi "Mxprmssckb Pomcr ^ulms fk` ^mbulftchks hutsc`m Pomcr Hrbfkczftchk". Poft's

    woy5 wm thhe tom omlp hi "Vumstchkkfcrm". Roftmvmr tomy kmm` hr woftmvmr tomy kmm` th nm

    gofkbm` ck tomcr hrbfkczftchk ft tom tcam hi rmgructamkt, wfs nrcmim` ck tocs "rmphrt". Pom

    ahrm caphrtfkt tockb toft wm sohul` ckglu`m ck tom ghkgluschk cs toft, tom rftckb hi tom rftmrs

    `mpmk`s hk tomcr pmrgmptchk, vfrcms pmrshk th pmrshk fgghr`ckb th tomcr prfgtcgm, cktmrmst fk`

    fnhvm fll, "Nfgebrhuk`". Poft's woy tomcr fkswmrs bht `ciimrmkt irha mfgo htomr ck tom

    qumstchkkfcrm ckstmf` hi `hckb dhns ck tom sfam hrbfkczftchk hr ck tom sfam phsctchk.

    ^mgmktly, Nfkblf`mso cs nmckb rfkem` icrst fs f ghrruptm` ghuktry. Wh omrm wm gfk kmvmr ohpm

    toft tom rmgructamkt prhgmss wcll nm vflc` fk` rmlcfnlm. Pomrm frm ncfskmss fk` htomr phlctcgfl

    ckilumkgms ock`mrckb fnhvm rmgructamkt prhgmss. O^ hiicgmrs sohul` kht nm ncfs.

    Nut tocs `hmsk't amfk toft fll tom hrbfkczftchks ck hur ghuktry frm ghrruptm`. C bfvm tom

    mxfaplms hi DFA]KF NFKE LCACPM@ woh frm ihllhwckb tocs amtoh`. Nut ct cs trum toft,

    pmrimgt smlmgtchk fk` rmgructamkt prhgmss wcll bcvm tom nfke pmrimgt maplhymm woh wcll nm

    vmry miimgtcvm ihr tom hrbfkczftchk.

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    7>

    ?.: ^mimrmkgms4

    6) "Ouafk ^mshurgm Ckihraftchk Wystmas" Acgofml D. Efvfkfbo & Ahofk Poctm.

    >) "Ouafk ^mshurgm Afkfbmamkt" Khm, Ohllmknmge, Bmrofrt, Rrcbot.

    7)

    "Ouafk ^mshurgm Afkfbmamkt Pom Wtrftmbcg Zmrspmgtcvm" Dhok N. Ackmr & @hkfl`

    Z. Grfkm.

    0) "Ouafk ^mshurgm fk` Zmrshkkml Afkfbmamkt" E. Fswftofppf.

    =) "Ouafk ^mshurgm Afkfbmamkt" @fvc` F. @mgmkzh Wtmpomk Z. ^hnncks

    9) Wullcvfk, D. (>:::). ^mgructckb fk` rmtfckckb emy tflmkt, Lmxckbthk, Afss.4 Pom

    Gmktmr ihr Hrbfkczftchkfl ^msmfrgo.

    2) Pyshk, W. (6332). Ouafk rmshurgm afkfbmamkt ghams hi fbm4 strftmbcg cktmbrftchk. Ck

    W. Pyshk, Ouafk ^mshurgm Wtrftmby, Lhk`hk4 Zcttafk.

    ?) Nmrfr`ckm, P. (6332). Pcps hk nuyckb hii tom somli. Ghaputckb Gfkf`f.

    3) Nhu`rmfk, D. (633=). Brhwckb rhlm ihr afkfbckb ouafk rmshurgms. Pom Fbm, Fubust >0.

    6:)Nrh`mrcge, ^. & Nhu`rmfu, D. R. (633>). Ouafk rmshurgm afkfbmamkt,

    ckihraftchk tmgokhlhby fk` tom ghapmtctcvm m`bm. Fgf`may hi Afkfbmamkt Mxmgutcvm.

    66)@mWfkgtcs, B. (63?9). Ouafk ^mshurgm Ckihraftchk Wystmas4 F gurrmkt fssmssamkt. ACW

    Vufrtmrly.

    6>)@ukcvfk, L. (6336). Caplmamktckb f usmr-`rcvmk ouafk rmshurgm ckihraftchk

    systma. Dhurkfl hi Wystmas Afkfbmamkt.

    67)Mck-@hr, Z. & Wmbmv, M. (632?). Hrbfkczftchkfl ghktmxt fk` tom suggmss hi

    afkfbmamkt ckihraftchk systmas. Afkfbmamkt Wgcmkgm.

    60)Brhm, B. A., Zylm, R. & Dfarhb, D. D. (6339). Ckihraftchk tmgokhlhby fk` O^. Ouafk

    ^mshurgm Zlfkkckb.

    6=)Ofckms, Y. S. & Zmtct. F. (6332). Ghk`ctchks ihr suggmssiul ouafk rmshurgm ckihraftchk

    systmas. Ouafk ^mshurgm Afkfbmamkt.

    69)

    Dhoksthk, O. ^. & Gfrrcgh, W. ^. (63??). @mvmlhpckb gfpfnclctcms th usm ckihraftchkstrftmbcgflly. ACW Vufrtmrly.

    62)Efvfkfbo, A. D., Bumutfl, O. B. & Pfkkmknfua, W. C. (633:). Ouafk ^mshurgm

    Ckihraftchk Wystmas4 @mvmlhpamkt fk` Fpplcgftchk. ZRW-EMKP Zunlcsockb Ghapfky,

    Nhsthk, Afssfgousmtts.

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    6?)Ehvfgo, E. F. & Gftogfrt, G. M. Dr. (6333). Ouafk rmshurgm ckihraftchk systmas (]^CW)4

    Zrhvc`ckb nusckmss wcto rfpc` `ftf fggmss, ckihraftchk mxgofkbm fk` strftmbcg f`vfktfbm.

    Zunlcg Zmrshkkml Afkfbmamkt.

    63)Afrtckshks, A. B. (6330). Nmkgoafreckb ouafk rmshurgm ckihraftchk systmas ck

    Gfkf`f fk` Ohkb Ehkb. Ckihraftchk fk` Afkfbmamkt.

    >:)Afrtckshks, A. B. (6332). Ouafk rmshurgm afkfbmamkt fpplcgftchks hi ekhwlm`bm-

    nfsm` systmas, Cktmrkftchkfl Dhurkfl hi Ckihraftchk Afkfbmamkt.

    >6)Zocllcps, L. R. (63?6). Fssmssckb amfsurmamkt mrrhr ck emy ckihrafkt rmphrts4 F

    amtoh`hlhbcgfl khtm hk hrbfkczftchkfl fkflyscs ck afremtckb. Dhurkfl hi Afremtckb

    ^msmfrgo.

    >>) cgofr`s-Gfrpmktmr, G. (6339). Afem f `ciimrmkgm ny `hckb CP nmttmr. Zmhplm

    Afkfbmamkt.

    >7)Wofh, S. Z. (633?). Zmrgmcvm` Capfgt fk` @ciiuschk hi Mxpmrt Wystmas ck Nfkeckb4 Fk

    Mxplhrfthry Ckvmstcbftchk. Cktmrkftchkfl Dhurkfl hi Ckihraftchk Afkfbmamkt.

    >0)Wcrfbml`ck, G. (633:). Prfckckb `rcvms tom O^CW. O^ Ihgus.

    >=)Pym, M. A. R. & Gofu, Z. S. E. (633=). F stu`y hi ckihraftchk tmgokhlhby f`hptchk ck

    Ohkb Ehkb. Dhurkfl hi Ckihraftchk Wgcmkgm.

    >9)Smo, G. S. (6332). Ouafk ^mshurgm Ckihraftchk Wystmas4 Caplmamktftchk ck Pfcwfk.

    ^msmfrgo & Zrfgtcgm Ck Ouafk ^mshurgm Afkfbmamkt.

    >2)Nfke rmlftm` rmimrmkgms4

    c. Fkkufl ^mphrt >:6:, >:66, >:6>

    cc. www.dfaukfnfken`.gha

    ccc. Gusthamr smrvcgm

    cv. Grm`ct Zhlcgy Dfaukf Nfke Lcactm`

    Pom k`