ASIGURARI FINANCIARE IM
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Transcript of ASIGURARI FINANCIARE IM
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Qljo ?% Lsleo lcdedjbc, yd`|` b f|ecbb`l osbg|yybb e lcdedjbo al {bo
?% Diblcq|` al sq|ab|, jlqdal`l, sqy|cq|yo b scd{|` c|ys|`|b%9% Fdyl`l absqy|cqbvl o`l eoq|ybb b occbaleql`l {lybcd`l {lyjoeleql {leqy| vbo, beqlgybqoqlo
cdy{dyo` o dj|`|b b i|e|yb`l `|b%3% Fdyjl al {ydqlcbl o dojleb`dy b i|e|yb`dy j{dqybvo ocb|ebb fdyl`dy absqy|cqbvl o`l eoq|ybb b
o occbaleql`dy%1 Qb{|yb al fdea|yb al osbg|yoyl% f|ecbb`l, yd`|` b bj{dyqoeo `dy e ocqbvbqoqlo lcdedjbc%
?% Diblcq|` al sq|ab|, jlqdal`l, sqy|cq|yo b scd{|` c|ys|`|b
Ocqbvbqoqlo al osbg|yoyl cdesqbq|bl {leqy| |ebb |e jbq, {leqy| o`bb d foscbeoe% [leqy| j|`bdojleb, chboy b eqyl{ybe~qdyb, osbg|yyb`l cdesqbq|bl d {ydi`lj cdj{`lx {l coyl e| d {dqlx{`bco e qdqo`bqoql so| {l coyl d el`lg adoy {oybo`% b qdq|b, osbg|yyb`l s|eq d ylo`bqoqllcdedjbc sdcbo` coyl esdlql b joychlo~ bsqdybo al~vd`qybb djlebybb%
Ocqbvbqoqlo al osbg|yoyl o o{y|q abe elvdbo fbylosc al {ydqlcbl o dj|`|b j{dqybvoco`ojbqb`dy eoq|ybb, j{dqybvo cdeslcbel`dy occbaleql`dy, abe elvdbo |edy jbn`docl al lxbsqle ecdeabbb`l {blyalybb so| `bjbqybb co{ocbqbb al j|ec e |yjo id`b`dy so| iqyelbb% Al~vd`qoylosdcblqbb o esljeoq d cdeqbe| sqyaoebl o dj|`|b e o gsb cl`l job i|el fdyjl al {ydqlcbl% edygoeb~oylo b o{yoylo vblbb `dy, co b e {ydcls|` {yda|clybb i|e|yb`dy joqlybo`l b alsf|yoyloo`qdy ocqbvbqb, dojlebb s*o| of`oq eqy*d `|{q cdeqbe| c| |el`l fledjlel o`l eoq|ybb coyl {dqj{blabco alsf|yoylo edyjo` o ocqbvbqbb |joel% Alb o| dibe|q joyb s|cclsl e `|{qo c| fdyl`leoq|ybb, dojlebb s|eq ec el{|qbecbdb e foo |edy co`ojbqb o`l eoq|ybb, {ylc|j> f|yq|eb`l,|yogoel`l, c|qylj|yl`l al {jeq, o`|elcyb`l al qlyle, gybeabe, eghl|yb`l lqc% j{dqybvo oclsqdyfledjlel qbbeo e| o gsbq aldcojaoq jbn`docl qlhebcl s|fbcbleql al `|{q, alcb l`l oa|c ecdeqbe|oyl sdcblqbb joyb {yln|abcbb% e oclosq sbq|obl, dj|`|b b*o yjos co`lo sd`baoyb~ybb {leqy|
o s|{dyqo e cdj|e lflcql`l co`ojbqb`dy eoq|ybb b o`l occbaleql`dy, b oe|jl co`lo osbg|yybb bylosbg|yybb%Al~vd`qoylo ocqbvbqbb al osbg|yoyl o fdsq sqyes `lgoq al ocqbvbqoqlo lcdedjbc, {ylc|j b
al lvd`|bo yo`obb`dy al ayl{q% Lcdedjbsq|` leg`l~ Oaoj Sjbqh dislyv, co osbg|yyb`l cdesqbq|bl dqlhebc fdoyql lfbcbleq al o {|`vlyb~o {blyalyb`l beabvba|o`l {l d oybl cq job `oyg, focea|*`l job|sdy al s|{dyqoq, {ybe ocd{lybylo `dy al cqyl |e e|jy cq job joyl al {lysdoel%
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{lysdoel`l fb~bcl b n|ybabcl osbg|yoql cqyl cdj{oebb`l al osbg|yoyl% @o lqo{o |yjqdoyl, f`|x|yb`lielqb s|i fdyj al als{g|ibyb so| s|jl osbg|yoql {dyelsc al `o fdea|` al osbg|yoyl, cdesqbq|bq o
abs{d~bbo cdj{oebb`dy s{lcbo`b~oql, cqyl osbg|yobb coyl o| fdsq oflcqob al fledjlel`l osbg|yoql%Al obcb yl~|`q, c osbg|yyb`l yl{yl~beq |e sbsqlj al yl`obb jlebql s {ydqlnl~l beqlylsl`l{lysdeo`l b$so| {oqybjdebo`l o`l osbg|yob`dy {ybe fdyjoylo al fdea|yb ielqb abe cdeq|` {ybjl`dyal osbg|yoyl {`qbql al osbg|yoq, e schbji|` cydyo osbg|yqdy|` b os|j di`bgobo c `o
{yda|clylo ybsc|`|b osbg|yoq s*b {`qlosc osbg|yoq|`|b s|jo al osbg|yoyl so| als{g|ibylo alosbg|yoyl%
@o c|ys|` yls{lcqbv sl sq|abo~ sljebfbcobo qlyjbed`dgblb, c`osbfbcoylo, io~l`l n|ybabcl o`losbg|yyb`dy b ylosbg|yyb`dy, cdecl{q|` b {oyqbc|`oybqb`l cdesqbq|bybb {bllb osbg|yyb`dy, {ybecb{bb`ldygoeb~oqdybcl al efbbeoyl o sbsqlj|`|b sdcblqb`dy al osbg|yoyl, {ydi`ljl {ybvbea ylg`ljleqoyloal cqyl sqoq o ocqbvbqbb alsf|yoql al cqyl sdcblqb`l al osbg|yoyl e {lybdoao al cdesqbq|byl oyl`obb`dy al {bo, ylg|`ojleql`l |edy qb{|yb al osbg|yyb (osbg|yyb`l al {lysdoel, al i|e|yb,
osbg|yoylo al ys{|ealyl o ybsc|yb`dy lcdedjbcl lxqlyel b abe ocqbvbqoqlo al oeqyl{yledyboq",{ydi`ljl`l cl be al ylosbg|yyb b al {oyqbc|`oybqb`l o{`bcybb `dy e Yl{|i`bco Jd`advo%
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9% Fdyl`l absqy|cqbvl o`l eoq|ybb b occbaleql`l {lybcd`l {lyjoeleql {leqy|vboo, beqlgybqoqlo cdy{dyo` o dj|`|b b i|e|yb`l `|b
Fdyl`l eoq|ybb, al~vd`qoylo qbbelb b qlhebcbb b ocqbvbqoqlo dj|`|b s|eq {ybecb{o`l`l co|~lglelyoqdoyl al {og|il e lcdedjbl%
[|qlj gy|{o oclsql co|~l glelyoqdoyl al {og|il e ad| joyb coqlgdybb> beal{lealeql al vdbeo dojleb`dy, coyl o| coyocqly diblcqbv, `lgoql al cdj{dyqoylo dojleb`dy, oclsqlo ovea |e coyocqly s|iblcqbv%
Abe {ybjo coqlgdybl foc {oyql fdyl`l absqy|cqbvl o`l eoq|ybb, coyl e| {dq fb cdeqyd`oql blvbqoql al dj (c|qylj|yl al {jeq, slclq, o`|elcyb al qlyle, |yogoel, f|yq|eb, gybeabe, alclslqc%"
Abe clo al*o ad|o coqlgdybl foc {oyql ocl`l es|byb (co`bqb so| alflcql", cdj{dyqojleqlo`l dj|`|b (elg`bnle, eloqlebl, gyoi, lqc%" coyl {dq ovlo co |yjoyl occbaleql, becleabb, lx{`d~bblqc%
Co`ojbqb`l eoq|yo`l coyl o| d `oyg oybl al ys{eabyl {l g`di b coyl oa|c cl`l job joyb{og|il s|eq>
Be|eaobb`l sl {yda|c fbl voyo, e ylgb|eb`l c| c`bj qyd{bco` dyb j|sdebc, fbl {ybjvoyo,e ylgb|eb`l qlj{lyoql so| ylcb, co |yjoyl o qd{bybb ~{l~bb so| o ghlbb%
Slclqo oflcqlo~ {|qlyebc ocqbvbqoqlo lcdedjbc b, {ybe oclosqo, {lybc`bqlo~ esb vboodojleb`dy%
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{l eqylg|` g`di sl {yda|c jbb al c|qylj|yl, abeqyl coyl {|bel `o e|jy s|eq {lycl{|ql aldojleb b job {|bel {ydvdoc {blyalyb joqlybo`l b |joel jbcb%
Becleabb`l `o fl` co b o`ql co`ojbqb eoq|yo`l, cdesqbq|bl |e focqdy {lyq|yioeq o` ocqbvbqbblcdedjbcl% L`l {dq fb {ydvdcoql abe co|~l beal{lealeql al vdbeo dojleb`dy, fbl abe
elg`bnle so| ocb|eb cybjbeo`l= becleabb`l absqy|g i|e|yb joqlybo`l, eqyly|{ {ydcls|` al{yda|cbl, oflcqlo~ cbyc|`obo qyoes{dyq|yb`dy, vboo b eqlgybqoqlo cdy{dyo` o dojleb`dy% O`ql`l ( s|yso B% Vcyl` Osbg|yyb b Ylosbg|yyb {og% 9?* 19"
Al~vd`qoylo qbbelb b qlhebcbb, alb focl {dsbib` cylqlylo yo{ba o {yda|cblb, {doql{ydvdco occbaleql cl {dq ovoybo so| absqy|gl {oybo` so| qdqo`jleql jbn`docl`l al {yda|cbl bi|e|yb`l al cdes|j, {doql oflcqo co{ocbqoqlo al j|ec b chboy vboo dojleb`dy (al lxlj{`|>fd`dsbylo lelygblb oqdjbcl e scd{|yb jb`bqoyl, {ylc|j b blbylo oclsqlbo al s|i cdeqyd` e |yjo|edy occbaleql, al~vd`qoylo qyofbc|`|b y|qbly, flydvboy, olyboe b joybqbj s{dylsc {lybcd`l`l clojlebe |joebqoqlo"%
eal{`bebylo eqy*|e jda elcdyls{|e~qdy o oqybi|bb`dy cl*b ylvbe e ocqbvbqoqlo lcdedjbcso| cdj{dyqoylo so elcdyls{|e~qdoyl o dj|`|b e sdcblqoql, al osljlelo {dq {ydvdco {blyalyb
joqlybo`l so| |joel bj{dyqoeql% Obcb sl bec`|a {lybcd`l`l `o coyl s|eq s|{|b dojlebb e {yd{ybo `dygds{daybl, `o `dc|` al j|ec, {l sqyoa, e qbj{|` al{`osybb `dy c| abflybql jbn`docl al qyoes{dyqlqc%
3% Fdyjl al {ydqlcbl o dojleb`dy b i|e|yb`dy j{dqybvo ocb|ebb fdyl`dyabsqy|cqbvl o`l eoq|ybb b o occbaleql`dy
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e eoq|y b e sdcblqoql sl {yda|c d j|`qbq|abel al fledjlel {ydvdcoqdoyl al {og|il coylo| d fylcvle job j|`q so| job {|be ylg|`oq b {l coyl dojlebb s*o| dibe|bq s `l eqj{bel eabflybq jda e vlalylo soqbsfoclybb beqlylsl`dy `dy lcdedjbcl b sdcbo`l% [leqy| eqj{beoylo oclsqdylvlebjleql {dqleob`l b e glelyo` elsbg|yl, glelyoqdoyl al {og|il, e|jbql ybsc|yb, dojlebb
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@bjbqoylo {og|il`dy {ydvdcoql al ybsc|yb`l {yda|sl% A|{ {yda|clylolvlebjleql`dy absqy|cqbvl, es eobeql co oclsqlo s sl fb echlboq, {lysdoel`l beqlylsoqls|eq di`bgoql s bo js|yb {leqy| `bjbqoylo {og|il`dy {yda|sl al ybsc|yb`l osbg|yoql (allxlj{`|> `o sqbeglylo b `dco`b~oylo becleabb`dy, o{ bcoylo al qyoqojleql c|yoqbvl
{lysdoel`dy coyl o| s|flybq occbaleql dyb s*o| jid`evbq, {bly~ea|*b co{ocbqoqlo alj|ec"= Fdyjoylo |edy fdea|yb al yl~lyv e vlalylo ocd{lybybb, {l slojo yls|ysl`dy {yd{ybb,
o lvleq|o`l`dy {og|il {yls|{|el cdesqbq|bylo al cqyl |ebqoqlo lcdedjbc o |e|b fdeaal yl~lyv, {l coyl s*` fd`dslosc {leqy| ocd{lybylo {og|il`dy {ydvdcoql al co`ojbqbso| al occbaleql (o|qdfbeoeoylo"=
Qylclylo ybsc|`|b os|{yo o`qlb {lysdoel sl {doql ylo`b~o e cdeabbb`l e coyl {lysdoeofb~bc so| n|ybabc ojlebeoq al |e ybsc doybcoyl (so| al |e cdj{`lx al ybsc|yb" lsql aloccdya s {`qlosc d s|j al ioeb |elb o qlb {lysdoel (al ylg|` d cdj{oebls{lcbo`b~oq e osbg|yyb", boy oclosqo abe |yj sl oegono~ so s|{dyql {og|io {ydvdcoqal ybsc|` (cdj{`lx|` al ybsc|yb" yls{lcqbv%
O`lglylo |elbo so| o`qlbo abeqyl {dsbib`bqb`l al cdjioqlyl o ybsc|yb`dy beabcoql s|{yoal{beal al cdeabbb`l cdecylql o`l {lysdoelb fb~bcl so| n|ybabcl beqlylsoql, al {|qlylo lcdedjbc ooclsqlbo, al lfdyq|` fbeoecboy {l coyl ` ylc`oj sd`|bo cdesbalyoq e yo{dyq c| jybjlo {og|ilb `ocoyl sl {doql oql{qo e |yjo {yda|clybb ybsc|`|b%
\`qbjo jdao`bqoql sl o{`bc oq|ecb cea cl`l`o`ql js|yb e| {dq fb `|oql e cdesbalyoyl abejdqbvl `lgoql al eoq|yo b joybjlo ybsc|`|b, al co{ocbqoqlo lcdedjbc o {lysdoelb fb~bcl so|
n|ybabcl beqlylsoql, al lcdedjbcbqoqlo sd`|bb`dy lqc%
1% Qb{|yb al fdea|yb al osbg|yoylSdcblqoqlo |joe c|edoql voyboql
fdyjl al cdesqbq|byl o fdea|yb`dy ielqbal coyl oyl elvdbl e co~ al {yda|clyl o
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ylo`b~lo~ beqlylsl`l cd`lcqbvl b cl`l{lysdeo`l o`l jljiyb`dy sdcblqbb, s|eqalqlyjbeoql os{lcql voyboql lcdedjbcl bsdcbo`l o`l ocqbvbqbb cdqbablel% Lx{lybleo{|i`bc o l`oidyoq qylb fdyjldygoeb~oqdybcl {ybecb{o`l al cdesqbq|byl ofdea|`|b al osbg|yoyl>
o" fdea|yb al yl~lyv cdesqbq|bql e jdabeabvba|o`=
i" fdea|yb al yl~lyv b$so| al osbg|yoylcdesqbq|bql e jda cleqyo`b~oq=
c" fdea|yb al osbg|yoyl {yd{yb|*~bs,
cdesqbq|bql `o abs{d~bbo |edy sdcblqbcdjlycbo`l so| o |edy dygoeb~obb j|q|o`lal osbg|yoyl {ybe {`oqo {ybjl`dy alosbg|yoyl%
o" Cdesqbq|bylo fdea|yb`dy al yl~lyve
jda beabvba|o` oyl `o io~ o|qdosbg|yoylo%Ocq|o`jleql, o|qdosbg|yoylo sl joebflsq{ybe fdea|` al ybsc, coyl sl cdesqbq|bl alcqyl oglebb lcdedjbcb c| abvlysl fdyjldygoeb~obdeo`*n|ybabcl {leqy| osbg|yoylo
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oeqyl{yledybb bo| js|yb cl goyoeqlo~sqoib`bqoqlo fbeoecboy o ocqbvbqbb al{yda|clyl% Al ylg|`, eqyl{ybealyb`lcdesqbq|bl |e osljlelo fdea e jybjl al?
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yl{oyybb {yln|abcb|`|b {leqy| coyl o fdsqcdesqbq|bq (s|i fdyj al al{|elyb ioecoyl,ocb|eb elgdcboib`l `o i|yso al vo`dyb lqc%"
i" Fdea al yl~lyv b$so| al osbg|yoylcleqyo`b~oq, sl cdesbaly e `bqlyoq|yo als{lcbo`bqoql, fdea|` cdesqbq|bq {l co`li|glqoy% Oclsqo sl cdesqbq|bl abe cdeq|`jbn`docl`dy glelyo`l al sqoq b lsql alsqbeoq{leqy| o goyoeqo ylc|{lyoylo ao|elb,`bchbaoylo cdeslcbel`dy co`ojbqb`dyeoq|yo`l b o`l ovoybb`dy al {yd{dybb, coylcdesqbq|bl d sbq|obl lxqyljo`, co|~ea
osqfl` alsqy|glyb b vbcqbjl |joel al{yd{dybb fdoyql joyb% Oclsq fdea slcdesqbq|bl oqq s|i fdyj joqlybo`(joqlybo`l, cdji|sqbib`, {yda|slo`bjleqoyl", cq b s|i fdyj ielosc,
yl~lyvl fbeoecboyl {|i`bcl% [ylydgoqbvoglsqbdeybb fdea|`|b cleqyo`b~oq b o{oybelg|vlye|`|b% S{lcbo`bqbb cdesbaly c {lvbbqdy oclsqlb jlqdal al fdyjoyl ofdea|`|b al yl~lyv b sl vo yla|cl abe
bj{dyqoe, * |yjoyl o fo{q|`|b c, {ljs|yo cl {dealylo {yd{yblqbb al sqoq sl
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vo abjbe|o e fovdoylo {yd{yblqbb{ybvoql, b yls|ysl`l {ylv~|ql `o {oyqlo alchl`q|bl`b o i|glq|`|b al sqoq, c| oclosqalsqbeobl, vdy scalo% e {`|s, oclosqfdyj {yl~beq b |el`l al~ovoeqonl%Osqfl`, cdesqbq|bylo fdea|`|b al yl~lyvb$so| al osbg|yoyl focea|*sl {l slojovlebq|yb`dy i|glq|`|b al sqoq, cdsq|yb`loclsqlb {ydqlcbb e| sl job ylf`lcq eglsqb|elo fbeoecboy o |ebqb`dylcdedjbcl% Sl cyllo~ bj{ylsbo fo`s c{ydqlcbo j{dqybvo fledjlel`dy vbbqdoyl b
beclyql e| cdsq ebjbc%c" O qylbo, b clo job bj{dyqoeq, fdyjal cdesqbq|byl o fdea|`|b alsqbeoqocd{lybybb {og|il`dy {yda|sl al co`ojbqbb occbaleql sl ylo`b~lo~ {ybe beqlyjlab|`
|edy dygoeb~obb s{lcbo`b~oql (sdcblqb alosbg|yoyl*ylosbg|yoyl, iydchlyb eosbg|yyb, dygoeb~obb al osbg|yoyl j|q|o`llqc"% Oclsq fdyj sl coyocqlyb~lo~ {ybefo{q|` c fdea|` sl cdesqbq|bl e jda
alscleqyo`b~oq, {l slojo cdeqybi|blb{lysdoel`dy fb~bcl b n|ybabcl osbg|yoql
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({ybjl so| cdqb~obb", aoy sl |qb`b~lo~ ejda cleqyo`b~oq {leqy| ocd{lybylo{og|il`dy s|flybql al osbg|yob, oabc{blyalyb`l {ydvdcoql al co`ojbqb`leoq|yo`l b occbaleql sl yl{oyqb~lo~os|{yo q|q|ydy {lysdoel`dy cl o|cdesqbq|bq fdea|`% Cyloylo fdea|`|b alosbg|yoyl {yd{yb|*~bs sl io~lo~ {l{ybecb{b|` j|q|o`bqbb% J|q|o`bqoqlocdesq e occlo c fblcoyl {lysdoe abegy|{|` yls{lcqbv oyl e ocl`ob qbj{ oqqco`bqoqlo al osbg|yoq, cq b clo al
osbg|yqdy% Qdb {oyqbcb{oebb `o osbg|yoylo| di`bgobo s {`qlosc d s|j jdalsq,e|jbq {ybj al osbg|yoyl {leqy|cdesqbq|bylo fdea|`|b al osbg|yoyl, abecoyl sl cdj{leslo~ ao|el`l s|flybql al
osbg|yob b sl {`qlsc s|jl`l osbg|yoql e|yjo s|yvlebybb ybsc|`|b c|{ybes eosbg|yoyl%
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f|ecbb`l, yd`|` b bj{dyqoeo `dy e
ocqbvbqoqlo lcdedjbc
Aoc vdyibj als{yl bj{dyqoeoosbg|yyb`dy, qyli|bl jlebdeoq fo{q|` cosbg|yyb`l co{q d al~vd`qoyl qdq job
`oyg e yea|` cl`dy`o`ql ocqbvbqbalsf|yoql e sbsqlj|` lcdedjbc%
Bj{dyqoeo osbg|yyb`dy oyl b |eos{lcq lcdedjbc, coyl cdesq e|yjqdoyl`l>
{ybe jbn`docl`l so`l s{lcbfbcl,yls{lcqbv {ybe cyloylo |edycdj|ebqb al ybsc b o{`bcoylo{ybecb{b|`|b j|q|o`bqbb es|{dyqoylo {og|il`dy, osbg|yoylo
cdeqybi|bl `o alsf|yoylo fyeqyly|{lyl o {ydcls|`|b al{yda|cbl=
{ybe {`osojleql`l fc|ql {l {booco{bqo`|`|b, cdj{oebb`l al osbg|yoyl
cdeqybi|bl `o al~vd`qoylo cylabq|`|b
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b `o fbeoeoylo |edy {ydblcqllcdedjbcl=
osbg|yoylo {oyqbcb{ `o fbeoeoylo|edy ocb|eb al {ylvlebyl bcdjioqlyl o |edy lvlebjleqlglelyoqdoyl al {og|il, cdeqybi|beaosqfl` `o jlebelylo beqlgybqbb{yd{yblqbb al sqoq, {ybvoql b jbxql=
{ybe osbg|yoylo b ylosbg|yoylojyf|yb`dy coyl foc diblcq|`yo{dyq|yb`dy n|ybabcl al cdjlybeqlyeobdeo`, {ylc|j b o
jbn`docl`dy c| coyl oclsqlo s|eqqyoes{dyqoql sl {doql {ydc|yo vo`|qoelclsoy ocd{lybybb |edy lvleq|o`l{og|il so| sl {dq ylo`b~o bj{dyqoeqllcdedjbb e vo`|q=
{ybe d{lyob|eb al {ybjbyl b claoylo |edy ybsc|yb {l {boobeqlyeobdeo` al osbg|yyb slcdeqybi|bl `o lxqbealylo yl`obb`dycdjlycbo`l beqlyeobdeo`l%
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L`ljleql coyl oqlsq bj{dyqoeoosbg|yybdy s|eq b f|ecbb`l {l coyl l`l `leal{`belsc e coay|` sdcblqbb%
F|ecbo {ybecb{o` o osbg|yybb f|ecbo al yl{oyqbbl sl joebflsq, e{ybj|` yea, e {ydcls|` al fdyjoyl ofdea|`|b al osbg|yoyl, `o abs{d~bbodygoeb~oblb al osbg|yoyl, {l slojo {ybjlbal osbg|yoyl (cdeqybi|blb", s|{dyqoql al{lysdoel`l fb~bcl b n|ybabcl c|{ybesl eosbg|yoyl%
e o` adb`lo yea, oclosq f|ecbl sl
joebflsq e {ydcls|` al abybnoyl ofdea|`|b al osbg|yoyl cqyl alsqbeobb`lso`l `lgo`l, b oe|jl> {`oqo bealjeb~obb`dyal osbg|yoyl, fbeoeoylo |edy ocb|eb c|coyocqly {ylvleqbv, ocd{lybylo chl`q|bl`b`dy
oajbebsqyoqbvl b gds{daylqb o`ldygoeb~oblb al osbg|yoyl b cdesqbq|bylo|edy fdea|yb al yl~lyv% @o fl`, {ybebeqlyjlab|` f|ecblb al yl{oyqbblbj{d~bql`l aoqdyoql al dygoeb~obb`l al
osbg|yoyl s|eq abybnoql `o i|glq|` al sqoq,boy cdeqybi|bb`l c|vlebql osbg|yyb`dy
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sdcbo`l s|eq eayl{qoql cqyl i|glq|`osbg|yyb`dy sdcbo`l al sqoq%
F|ecbo al cdeqyd` co f|ecblcdj{`ljleqoy o osbg|yybb, |yjylqljda|` e coyl sl ecoslo~ {ybjl`l alosbg|yoyl b o`ql vlebq|yb o`l dygoeb~oblbal osbg|yoyl, c|j sl lflcq|lo~ {`b`l c|qbq`|` al bealjeb~obl al osbg|yoyl,chl`q|bl`b`l al {ylvlebyl o ybsc|yb`dy,chl`q|bl`b`l oajbebsqyoqbvl b gds{daylqblqc, c|j s|eq yls{lcqoql ayl{q|yb`lc|vlebql osbg|yob`dy, aoc s|eq eal{`bebql
beqlgyo` b `o qbj{ di`bgobb`l fbeoecboyl o`lbesqbq|blb al osbg|yoyl cqyl qlyb%O`ql f|ecbb s{lcbfbcl ocqbvbqbb
al osbg|yoylF|ecbo al cdj{lesoyl o {og|il`dy
yl{yl~beq {ybecb{o`o f|ecbl oosbg|yyb`dy b {yl~beq beqlyls oqq {leqy|osbg|yoq, cq b {leqy| lcdedjbo |elb yb>
{leqy| osbg|yoq, osbg|yoylo a djoyn al sbg|yoe c| {ybvbyl `o
{ydqlcbo i|e|yb`dy b o vblbb, boy,
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7/31/2019 ASIGURARI FINANCIARE IM
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ecosoylo {ybjl`dy al osbg|yoyl oyl `dc {l{oyc|ys|` lxlycbb|`|b fbeoecboy b scoaleo`o ecl{|q|` oe|`|b al ylflybe%
[`oqo als{g|ibyb`dy b o s|jl`dyosbg|yoql c|vlebql sl focl qyl{qoq, {l qdq{oyc|ys|` oe|`|b, {l js|yo o{oybblb boyg|jleqybb elclsbqbb {`b`dy%
Abflyleo abeqyl ecosyb b {`b {doqlfb |qb`b~oq co s|ys glelyo` al cylabqoyle lcdedjbl, fbbea cdesqbq|bq e al{d~bqlso| e abs{debib`bqb c|yleql `o iecb%
Osbg|yoylo e| lsql e|job d coqlgdybl
lcdedjbcd*fbeoecboy, aoy b |e besqbq|q alayl{q, aldoylcl, co b ayl{q|` e glelyo`, loeal{`belql b f|ecbo la|coqbv% eedyjl`l al ayl{q sqoq|` s|i fdyj alayl{q|yb b di`bgobb n|ybabcl {ylvlal
{leqy| jljiybb sdcblqbb d cdj{dyqoylc|vlebq% Edyjl`l al ayl{q coylylg`ljleqlo~ osbg|yoylo, al osljlelo,sqbj|`lo~ d cdj{dyqoyl c|vlebq os|iblcb`dy osbg|yybb, oclosqo oqbegea|*sl
{l co`lo sqoib`bybb |edy e`lsebyb bsoecb|eb%
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eqyliyb al vlybfbcoyl
?% E|jbb focqdybb coyl o| cdeqybi|bq `o al~vd`qoylo yl`obb`dy al osbg|yoyl4
9% Alfbebb cl yl{yl~beq osbg|yyb`l4
3% C|j {dq fb gy|{oql co|~l`l cl glelylo~ {og|il4
1% Coyl s|eq fdyjl`l al {ydqlcbl o dojleb`dy b i|e|yb`dy j{dqybvo ocb|ebb
fdyl`dy absqy|cqbvl4
o"
i"
c"
a"Qlsq|` ey% 9
Osbg|yoylo, clo job lfbcbleq fdyj o {ylvlalybb, oyl `o io~ {ybecb{b|`>
?% s|iydgoblb=
9% beqlyls|`|b osbg|yoib =
3% ys{|ealybb `bjbqoql=
1% j|q|o`bqbb%
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Qlsq|` ey% 3
Osbg|yyb`l eal{`belsc |yjqdoyl`l f|ecbb>
?% al absqybi|byl=
9% al yl{oyqbbl=
3% al oc|j|`oyl=
1% al cdeqyd =
Qlsq|` ey% 1
[l `eg f|ecbo al yl{oyqbbl b clo al cdeqyd`, le|jlyob cl`l`o ql 3 f|ecbb
s{lcbfbcl osbg|yyb`dy
Qlsq|` ey%
?% sl joebflsq, e {ybj|` yea, e {ydcls|` al fdyjoyl o fdea|`|b al osbg|yoyl, `o
abs{d~bbo dygoeb~oblb al osbg|yoyl, {l slojo {ybjlb al osbg|yoyl, s|{dyqoql al
{lysdoel`l fb~bcl b n|ybabcl c|{ybesl e osbg|yoyl=
9% co f|ecbl cdj{`ljleqoy o osbg|yybb, |yjylql jda|` c|j sl ecoslo~
{ybjl`l al osbg|yoyl b o`ql vlebq|yb o`l dygoeb~oblb al osbg|yoyl, c|j sl
l`lcq|lo~ {`b l c| qbq`|` al bealjeb~obl al osbg|yoyl, chl`q|bl`b l al
{ylvlebyl o ybsc|yb`dy, chl`q|bl`b`l oajbebsqyoqbvl b gds{daylqb=
3% yl~ba e ocllo c osbg|yoylo lsql o{ylcboq co fbbea |eo abe {yghb`l sbsqlj|`|b
fbeoecboy% ecosoylo {ybjl`dy al osbg|yoyl oyl `dc {l {oyc|ys|` lxlycbb|`|b
fbeoecboy b scoaleo `o ecl{|q|` oe||b al ylflybe%
Qlsq|` ey% 6
S|ysl`l al fdyjoyl o fdea|`|b al osbg|yoyl {yd{yb|*~bs s|eq>?% Bj{d~bql`l b qoxl`l=
9% [ybjl`l al osbg|yoyl=
3% Vlebq|yb`l beabvba|o`l=
Qlsq|` ey% 7
Osbg|yyb`l yl{yl~beq TTTTTTTTTTTTTTTTTTTTT
Qlsq|` ey% 8Fdea|` cleqyo`b~oq al osbg|yoyl lsql>
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?% |e fdea ylf`lcqoq `o co{bqd`|` chl`q|bl`b e i|glq|` al sqoq=
9% |e fdea glsqbdeoq al cqyl dygoe|` {|i`bc al s|{yovlghlyl o osbg|yyb dy=
3% |e fdea cdesqbq|bq al cqyl osdcbobo eobdeo` o osbg|yqdyb`dy%
Qlsq|` ey% 2
Coyocqlyb~ob fdea|` al osbg|yoyl {yd{yb|*~bs b e cl cdesq {ybecb{b|` j|q|o`bqbb
Qlsq|` ey% ?;Os{lcq|` lcdedjbc o` osbg|yyb`dy cdesq e |yjqdoyl`l>o"
i"
c"
a"l"
Qljo 9% Cdecl{q|` al osbg|yoyl?% Lvd`|bo cdecl{q|`|b al osbg|yoyl%
9% Osbg|yoylo s|i os{lcq n|ybabc b lcdedjbc%
3% O`ql oidyayb lcdedjbcl b fbeoecboyl o`l osbg|yybb%
?% Lvd`|bo cdecl{q|`|b al osbg|yoyl
Cdj|ebqoqlo al ybsc b j|q|o`bqoqlo o| cdesqbq|bq {yljbsl lslebo`l {leqy|
el`lglylo fo{q|`|b c e foo |edy {lybcd`l adoy |ebylo focl {|qlyl, b c {leqy| o
`l focl fo lsql elclsoy cdesqbq|bylo |e|b fdea cdj|e o cy|b |qb`b~oyl s obi `dc
{l io~o {ybecb{b|`|b qdb {leqy| |e|` b |e|` {leqy| qdb% Osbg|yoylo lsql |eo
abeqyl cl`l job vlchb bevlebb o`l djlebybb% Ballo lb sl {blyal e oaec|` slcd`l`dy%
A|{ {ylylo sovoeb`dy, {ybjl`l fdyjl al osbg|yoyl sl eq`elsc c| ad| jb`lebb
eobeqlo lylb edosqyl e `lgb`l `|b Hojj|yoib, coyl {ylvlalo echlblylo |edy
el`lglyb eqyl {oyqbcb{oebb `o coyovoeo cdjlycbo` c| {ybvbyl `o ocllo co |e|` abe
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lb s s|{dyql, cd`oidyea, e ay|j {blyalyb`l al {l |yjo oqoc|yb`dy q`hylqb,
nof|yb`dy, f|yq|yb`dy lqc%
Cl sl el`lgl {ybe osbg|yoyl4 Oclosq eqylioyl o oqyos oqlebo j|`qdy
clyclqqdyb% [ydi`ljl`l osbg|yybb s|eq qyoqoql e e|jlydosl `|cyyb o`l
lcdedjbqb`dy b n|ybqb`dq abe abflybql yb% O{ydo{l fblcoyl sovoeq, coyl s*o dc|{oq
al {ydi`ljl`l osbg|yybb, qbealo s fdyj|`l~l alfbebbl o edb|ebb {yd{ybl al
osbg|yoyl%
[leqy| absc|qoylo qldybb`dy b edb|eb`dy cdeqlj{dyoel cl vb~lo~ osbg|yoylo,
e oe|` ?26;, `o @|xlji|yg, o fdsq cdevdcoq {ybj|` cdegyls o` \eb|ebb
beqlyeobdeo`l o `lgbs`oblb c| {ybvbyl `o osbg|yoyl (OBAO"%
Abfbc|`qoqlo cdesq e al~v`|bylo lslelb oclsqlb coqlgdybb lcdedjbcl, coyl `o
{ybjo vlalyl lsql sbj{` b c`oy, eqy*d osqfl` al edb|el, coyl, {l al d {oyql, e| vo
fb {ylo eg|sq b vo c|{ybeal qdoql qb{|yb`l al osbg|yoyl, boy, {l al o`q {oyql, e| vo
fb {ylo `oyg, co s e| c|{ybea e sflyo so l`ljleql sqybel%
Lxojbeoylo alfbebbb`dy aoql osbg|yybb qyli|bl al ecl{|q c| clo fdyj|`oq al
V% M% Yobhly, aldoylcl lo o fdsq {ybjo, b eqy*d doylcoyl js|y o fdsq {|s `o io~o
cl`dy`o`ql alfbebbb, coyl o| o{y|q job qy~b|%
Osbg|yoylo, s|sbel Yobhly, {doql fb fdyj|`oq co d fdyj al dygoeb~oyl o
|e|b fdea ielsc cleqyo`b~oq abe cdeq|` |edy jbn`docl alscleqyo`b~oql> abe o`dcobb`l
fc|ql al {oyqbcb{oebb `o oclsq fdea% Abe {|ecq|` al vlalyl o` o|qdy|`|b, bj{dyqoeo
oclsqlb edb|eb ylblsl abe |ebvlyso`bqoqlo lb, lo {|qea fb o{`bcoq {leqy| qdoql
qb{|yb`l al osbg|yoyl, beabflyleq al qysq|yb`l lb s{lcbfbcl, b chboy os|{yo osbg|yybb
sdcbo`l%D{bebb`l lx{|sl job qy~b| al cqyl lcdedjbqb b o b s{lcbo`bqb o|
aljdesqyoq c oclosq alfbebbl o eq`ebq |e by al dislyvobb, e ocl`ob yea cybqbcl,
abe co|~ c e lo e| o| fdsq `|oql e cdesbalyobl qysq|yb`l al io~ b yd`|` sdcbo`*
lcdedjbc o` ocqbvbqbb lcdedjbcl, coyl {doyq ale|jbylo al osbg|yoyl, b al
osljlelo e| s*o fc|q aldslibylo abeqyl f|ecbb`l osbg|yybb%
D o`q alfbebbl o cdecl{q|`|b lsql fdyj|`oq al F% V% Mdebbe% Cdefdyjoclsqlbo osbg|yoylo yl{yl~beq |eo abeqyl jlqdal`l al fdyjoyl o |e|b fdea ielsc
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{leqy| ylc|{lyoylo abe cdeq|` {ybjl`dy al osbg|yoyl o {blyalyb`dy e lcdedjbo
eobdeo`, {yda|sl abe co|~o co`ojbqb`dy eoq|yo`l so| occbaleql`dy b, al
osljlelo, {leqy| {`oqo s|jl`dy cdyls{|e~qdoyl e `lgq|y c| s|yvlebylo |edy
oe|jbql lvlebjleql, `lgoql al vboo b co{ocbqoqlo al j|ec o cl`dy osbg|yob%
D o`q alfbebbl lsql aoq al sovoeq|` abe fdsqo Y%A%G% G% Ioalyo, coyl sl
aldslilql al cl`l`o`ql fdyj|`yb {ybe fo{q|` c e lo sl {|el occleq|` {l l`ljleq|`
al c`os o` osbg|yybb b sl jlebdelo~ fdyjl`l ({ybecb{bb`l" al cyloyl o fdea|`|b al
osbg|yoyl%
Osbg|yoylo scybl Ioalyo lsql d fdyj dygoeb~oq al cyloyl al cqyl
cd`lcqbvl`l al {lysdoel so| abflybql gy|{l o`l yl~lyvl`dy fbeoecboyl coyl sl io~lo~
{l {ybecb{bb ilelvd`l so| di`bgoqdybb b coyl sl of` e jbeb`l c`oslb adjbeoeql e
oclosq {lybdoa al qbj{, b e jbeb`l yl{yl~leqoeb`dy, cyloql {leqy| ocd{lybylo
elclsbqb`dy coyl {dq fb co`c|`oql, elclsbqb cl o{oy e yl~|`qoq|` |edy lvlebjleql
eqj{`qdoyl%
\ebb o|qdyb, fdyj|`ea alfbebbo cdecl{q|`|b al osbg|yoyl, lvbalebo~
coyocqly|` vd`bqbv e ocb|eb`l {lysdoel`dy coyl {oyqbcb{ `o cyloylo fdea|`|b al
osbg|yoyl% Abe {|ecq|` `dy al vlalyl, osbg|yoylo yl{yl~beq ebql yl`obb lcdedjbcl
cdecylql, coyl sl fdyjlo~ s|i bef`|leo eljbn dcbq o |edy clybel diblcqbvl al
al~vd`qoyl o jbn`docl`dy al {yda|cbl coyl bo| eoqlyl eqyl abflybql coqlgdybb al
{lysdoel b cd`lcqbvl b coyl sl lx{ybj {ybe ocb|eb vd`bqbvl cdecylql o`l
{lysdoel`dy e vlalylo qyoesflyybb |elb {yb abe {ydfbq|` `dy e fdea|` al osbg|yoyl,
e scd{|` fd`dsbybb oclsqdy s|ysl ielqb, e vbbqdy, {leqy| ylc|{lyoylo {og|il`dy
{ybcbe|bql al co`ojbqb eoq|yo`l b o`ql occbaleql% C| qdoql c oclosq alfbebbl lsqlfdoyql `oyg, lo e| {doyq qdq|b |e coyocqly |ebvlyso`, aldoylcl, e lsle, oqbegl
e|job osbg|yoylo al i|e|yb%
D aldslibq bj{dyqoe {leqy| al~vd`qoylo qldyblb lcdedjbcl o osbg|yybb d oyl
alfbebbo {yd{|s al @% O% Jdqb`dv> Osbg|yoylo al sqoq yl{yl~beq d qdqo`bqoql al
yl`obb lcdedjbcl b fbeoecboyl, {ybe beqlyjlab|` cydyo sl ylabsqybi|bl d {oyql abe
vlebq|` eobdeo` e beqlylsl`l eqybybb lcdedjblb {yda|cblb diqlqb b i|esqybbso`oybob`dy {l co`lo |elb jlqdal aldslibql al cyloyl o fdea|`|b al osbg|yoyl abe
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cdeq|` al{|elyb`dy ielqb lflcq|oql al eqyl{ybealyb b dygoeb~obb b, al osljlelo,
al {d{|`obl, {leqy| fd`dsbylo `dy sqybcq a|{ alsqbeobl als{g|ibylo {blyalyb`dy
{oyqbcb{oeb`dy `o cyllylo fdea|`|b s|yvlebql al {l |yjo co`ojbqb`dy eoq|yo`l,
occbaleql`dy, lqc% b ocdyaoylo on|qdy|`|b s|{`bjleqoy clqleb`dy (jljiyb dy
fojb`bb`dy `dy", e co~|` s|yvlebybb |edy lvlebjleql `lgoql al vboo b seqoqlo
oclsqdyo%
D alfbebbl osljeqdoyl c| clo o `|b @% O% Jdqb`dv d eq`ebj `o n|ybqbb abe
Ydjebo Vcyl` B|`boe b Ilyclo F`dybe> Osbg|yoylo lx{ybj yl`obb al
absqybi|byl b ylabsqybi|byl o {yda|s|`|b beqlye iy|q, yl`obb coyl o{oy e {ydcls|`
cdesqbq|bybb b |qb`b~ybb fdea|`|b al osbg|yoyl e vlalylo alsf|yybb eleqyly|{ql o
ocqbvbqbb lcdedjbcl, {sqyybb beqlgybqbb i|e|yb`dy osbg|yoql, {ydqlnybb
{lysdoel`dy fb~bcl j{dqybvo oe|jbqdy lvlebjleql coyl `l*oy {|qlo oflcqo vboo dyb
beqlgybqoqlo cdy{dyo`, {ylc|j b dedyybb di`bgobb`dy al ys{|ealyl cbvb` cl ylvbe
{lysdoel`dy fb~bcl b n|ybabcl fo al qlyb%
Alfbebbo edb|elo al osbg|yoyl fdyj|`oq e @lglo Flalyoblb Y|sl c| {ybvbyl
`o osbg|yyb abe 97 edbljiybl ?229, oyqbcd`|` 9, s|e osqfl`> [ybe osbg|yoyl sl
l`lgl d qdqo`bqoql al yl`obb, jlebql s o{lyl beqlylsl`l {oqybjdebo`l o`l {lysdoel`dy
fb~bcl b n|ybabcl e co~|` {yda|clybb |edy lvlebjleql (co~|yb`dy osbg|yoql" abe
cdeq|` fdea|yb`dy ielqb cyloql abe al{|elyb`l al osbg|yoyl ({ybjl`l al osbg|yoyl"
lflcq|oql al l`l%
9% Osbg|yoylo s|i os{lcq n|ybabc b
lcdedjbc
Cdecl{q|` al osbg|yoyl {doql fb oidyaoq
abe {|ecq al vlalyl> n|ybabc, lcdedjbc b
fbeoecboy%
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Abe {|ecq al vlalyl n|ybabc {leqy| o fb
d{lyoeq, osbg|yoylo qyli|bl s co{lql d
fdyj n|ybabc, fo{q cl yl~|`q abeqy*|e
cdeqyocq co `lgl o {yb`dy b abe `lglo
{yd{yb|*~bs ljbs al {|qlylo `lgbs`oqbv%
Osqfl`, cdeqyocq|` al osbg|yoyl b `lglo aldygoeb~oyl o osbg|yyb`dy cdesqbq|bl b~vdoyl`l
al ayl{q|yb b di`bgobb e joqlybl al
osbg|yyb%
Abe {|ecq al vlalyl lcdedjbc osbg|yoylo
bj{`bc cdesqbq|bylo, e cdeabbb s{lcbfbcl, o
fdea|`|b al osbg|yoyl, e `lgq|y c| coyl {dq
fb {|sl e lvbale cqlvo os{lcql>
fo{q|` c osbg|yoylo sl cdesqbq|bl s|i
fdyj ielosc=
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fdea|` al osbg|yoyl sl cdesqbq|bl
alscleqyo`b~oq, `o ebvl`|` fblcylb
sdcblqb al osbg|yoyl, {l slojo
{ybjl`dy al osbg|yoyl ecosoql=
cdesqbq|bylo b |qb`b~oylo fdea|`|b al
osbg|yoyl bj{`bc yl`obb lcdedjbcleqyl {yb {ybe f`|x|yb`l ielqb {l coyl
`l {yls|{|el ecosoylo {ybjl`dy b o{db
{`oqo als{g|ibyb`dy oflyleql%Abe {|ecq al vlalyl fbeoecboy sl {doql
o{ylcbo c osbg|yoylo sl cdesqbq|bl eqy*|e
beqlyjlaboy fbeoecboy eqyl {lysdoel`l fb~bcl
osbg|yoql coyl {`qlsc lo`deoq {ybjl`l al
osbg|yoyl b {lysdoel`l fb~bcl so| n|ybabcl
coyl o| elvdbl al yls|ysl fbeoecboyl
s|{`bjleqoyl%
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[yljbsl`l osbg|yybb
Oclsqlo yl~ba abe coyocqly|` lvlebjleq|`|b osbg|yoq>
Coyocqly|` o`loqdy o` lvlebjleql`dy `o coyl sl ylfly osbg|yoylo% Oqfl`,
lvlebjleq|` qyli|bl s fbl eqj{`qdy, ylo`b~oylo `|b s e| al{bea al vdbeo
{yb`dy bj{`bcoql e osbg|yoyl% e oclsq scd{, {leqy| o fb osbg|yoib`,
lvlebjleq|` qyli|bl s fbl {dsbib` e vbbqdy, c| cdeslcbel eqylv~|ql, aoy
qdq|b elsbg|y s|i os{lcq|` {yda|clybb, o js|ybb e coyl vo {ydvdco so| e|
{og|il b s|i os{lcq|` `dco`b~ybb b o` a|yoqlb=
Coyocqly|` lvo`|oib` o` lvlebjleql`dy% Osqfl`, {leqy| o fb osbg|yoq,
lvlebjleq|` qyli|bl s {doq fb c|{ybes e clyclqoylo sqoqbsqbc, s alc|yg
a|{ `lgbqb`l lvlebjleql`dy eqj{`qdoyl, ecoayea|*sl e `lgb`l al
co`c|` o {ydioib`bqb`dy%
[dsbib`bqoqlo al lvo`|oyl o lvlebjleql`dy sl ylfly `o e|jy|` al co~|yb coyl
sl {dq bvb b `o ebvl`|` `o coyl l elclsoy ocd{lybylo {og|il`dy% Oclosqo focl
{dsbib` sqoib`bylo {ybjl`dy al osbg|yoyl cl |yjlo~ o fb {`qbql%
J|q|o`bqoqlo ylf`lcq cdesqbq|bylo b|qb`b~oylo fdea|`|b al osbg|yoyl a|{
{ybecb{b|` |e|` {leqy| qdb b qdb
{leqy| |e|`%Fdea|` al osbg|yoyl cdesqbq|bq lxc`|sbv s|i fdyj ielosc {ybe cdeqybi|bo
|e|b e|jy joyl al {lysdoel fb~bcl b n|ybabcl * lsql |qb`b~oq e scd{|` e`q|yybb
|yjyb`dy glelyoql al {yda|clylo lvlebjleql`dy osbg|yoql%
Lxqlesbo e|jlybc o osbg|yob`dy ylf`lcq d clybe e aly|`oylo {ydcls|`|b al
osbg|yoyl% E|jy|` al osbg|yob qyli|bl s fbl s|fbcbleq al joyl {leqy|
elclsbqb`l vb~ea co`c|`|` {ybjl`dy al osbg|yoyl, lvo`|oylo b abs{lysbo
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ybsc|`|b, osbg|yoylo |edy yls|ysl s|fbcbleql {leqy| cdesqbq|bylo fdea|`|b al
osbg|yoyl b |qb`b~oylo `|b lfbcbleq%
Lchbabsqoeo osbg|yob`dy fo al ybsc l elclsoy% Job {ylcbs, sl bj{|el
baleqbfbcoylo beqlylsl`dy sbjb`oyl o`l osbg|yob`dy {leqy| o {ydjdvo d oe|jbq
fdyj al osbg|yoyl b als{g|ibylo e ocl`ob fl` o osbg|yob`dy {leqy| d
oe|jbq coqlgdybl al ybsc|yb%
J|q|o`bqoqlo fdea|`|b al osbg|yoyl oyl |e yd` aldslibq al bj{dyqoeq% Abe
oclsq jdqbv, e| beqy e sflyo osbg|yyb`dy yl~lyvl`l cleqyo`b~oql o`l sdcblqbb
so| o`l ogleb`dy lcdedjbcb, chboy aoc oclsqlo oy ovlo co alsqbeobl ocd{lybylo
co`ojbqb`dy `o ebvl` al ylflybe% e cdeslcbe, cdecl{q|` al o|qdosbg|yoyl
vlhbc|`oq e qldybo lcdedjbc e| oyl yl`lvoe {leqy| o lx{`bco cdecl{q|` al
osbg|yoyl, qdcjob {leqy| c e| oyl `o io~ {yljbso di`bgoqdybl o j|q|o`bqbb%
[ydjdvoylo osbg|yyb`dy bj{`bc |yjqdoyl`l cdeabbb diblcqbvl b s|iblcqbvl>
Cdeabbb s|iblcqbvl>
Beqlyls|` {leqy| osbg|yoyl oy {|qlo fb beqly{ylqoq {ybe sbj|` elclsbqbb al o
baleqbfbco, o {ylvleb b o {yleqj{beo lvlebjleql`l, ybsc|yb`l glelyoqdoyl al
{og|il% Oclsqo sl of` e cdyl`obl c| lvd`|bo glelyo` o sdcblqbb, c| ebvl`|` lb al
al~vd`qoyl, c| ebvl`|` al c|`q|y b cbvb`b~obl o dj|`|b%
S|{dyqoib`bqoqlo fbeoecboy o osbg|yybbsl ylfly `o {dsbib`bqb`l fbeoecboyl
o`l {lysdoel`dy fb~bcl b n|ybabcl al o s|{dyqo {`oqo {ybjl`dy al osbg|yoyl% C| o`ql
c|vbeql, s|{dyqoib`bqoqlo fbeoecboy o osbg|yybb {doql {ydjdvo beqlyls|` {leqy|
osbg|yoyl, ` {doql i`dco so| ` {doql ojeo%
Cdeabbb`l diblcqbvl sl ylfly `o coyocqlybsqbcb`l bj{|sl lvlebjleql`dy {leqy|
o beqyo e sflyo osbg|yyb`dy>
?% s fbl s{dyoabcl=
9% s obi d oe|jbq ylg|`oybqoql=
3% s obi lxqlesbl qlybqdybo`=
1% s sl {yda|c e vbbqdy%
Al`bjbqyb`l cdecl{q|o`l o`l osbg|yybb
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e sles|` cl` job `oyg, fbl co yl`obl, fbl co sbsqlj, osbg|yyb`l {dq fb oidyaoql
co>
osbg|yyb sdcbo`l=
osbg|yyb cdjlycbo`l%
Osbg|yyb`l sdcbo`l sl ylfly `o {lysdoel, ovea jlebylo al o cylo
|el`lyl~lyvl ielqb cleqyo`b~oql, alsqbeoql {ydqlcblb, s|i abflybql fdyjl, o
jljiyb`dy sdcblqbb%
Osbg|yyb`l cdjlycbo`l s|eq ylo`b~oql al fbyjl {ybe sdcblqb s{lcbo`b~oql b {l
{ybecb{bb lcdedjbcl% Osbg|yyb`l cdjlycbo`l {dq fb> al i|e|yb, {lysdoel so|
ys{|ealyl cbvb`% [ydjdvoylo `dy bj{`bc sdcblqb`l al osbg|yoyl e co`bqoql al
osbg|yoqdyb {lysdoeo fb~bc so| n|ybabc e co`bqoql al osbg|yoq, of`oql e yo{dyq|yb
delydosl vb~ea> {`oqo |edy {ybjl al osbg|yoyl, {yl`|oylo {ydqlcblb j{dqybvo
oe|jbqdy ybsc|yb, als{g|ibylo {leqy| {og|il`l glelyoql al ybsc|yb`l osbg|yoql%
3% O`ql oidyayb lcdedjbcl b fbeoecboyl o`l osbg|yybb
e yb`l al~vd`qoql osbg|yyb`l o| alvlebq d bj{dyqoeq yoj|y o lcdedjblb
eobdeo`l {leqy| c, {ybe vo`doylo oa|goq cyloq, sdcblqb`l al osbg|yoyl, al
beqlyjlablyl so| al {ylsqyb al slyvbcbb belabql {oyqbcb{ `o s{dybylo {yda|s|`|b
beqlye iy|q, dfly `dc|yb al j|ec, {oyqbcb{ `o dflyqo al co{bqo` al j{y|j|q {l
{boo fbeoecboy b {ybe s|jl`l ocdyaoql osbg|yob`dy cdeqybi|bl `o ylfoclylo
i|e|yb`dy absqy|sl so| ovoyboql%
\ebb s{lcbo`bqb {|e e lvbale oe|jbql vo`lel o`l osbg|yyb`dy>
co`bqoqlo al yoj|y {ylsqoqdoyl al slyvbcbb=
al beqlyjlaboy fbeoecboy=
al ocqbvbqoql fbeoecboy%
Osbg|yoylo co yoj|y {ylsqoqdoyl al slyvbcbb sl yl`lv {ybe fo{q|` c
sdcblqoqlo al osbg|yoyl, e schbji|` {ybjl`dy al osbg|yoyl ecosoql, dfly
osbg|yoq|`|b |e {yda|s elcdy{dyo` s{lcbfbc, b oe|jl> {yl`|oylo ys{|ealybb {leqy|
ybsc|yb l osbg|yoql, slc|ybqoqlo {leqy| co~|yb`l cdevlebql {ybe cdeqyocq|` al
osbg|yoyl%
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Osbg|yoylo co beqlyjlaboy fbeoecboy yl~ba e fo{q|` c, job o`ls e
osbg|yyb`l al vbo, sdcblqoqlo al osbg|yoyl dfly osbg|yob`dy e| e|job {ydqlcbo al
osbg|yoyl, cb b besqy|jleql`l al lcdedjbsbyl b al fy|cqbfbcoyl o yls|ysl`dy ielqb%
Osbg|yoylo co ocqbvbqoqlo fbeoecboy cdesq e ocllo c, e {lybdoao aly|`ybb
cdeqyocq|`|b al osbg|yoyl, osbg|yoylo l bef`|leoq oqq al jybjlo oisd`|q
edjbeo` o s|jlb oc|j|`oql, cq b al jybjlo ylo` o oclsqlbo% Osqfl`, cdeqyocq|`
al osbg|yoyl o{oyl co d cyloe cdeabbdeoq ljbs al osbg|yoqdy b ochb~bbdeoq al
osbg|yoq%
eqyliyb al vlybfbcoyl
?% Cl sl el`lgl {ybe osbg|yoyl4
9% Coyl fdyj|`oyl o cdecl{q|`|b al osbg|yoyl lsql job cdylcq4
3% Oeo`b~ob cdecl{q|` al osbg|yoyl abe {|ecq al vlalyl n|ybabc
1% Coyl lsql `lgq|yo abeqyl osbg|yyb`l sdcbo`l b osbg|yyb`l lcdedjbcl4
o" abe vlebq|yb l ogleq|`|b lcdedjbc=i" abe {ydfbq|` iy|q o` ogleq|`|b lcdedjbc=
c" abe {ydfbq|` elq o` ogleq|`|b lcdedjbc, l` fbbea co |e s|{`bjleq o`
co{bqo`|`|b sdcbo`%
Qlsq|` ey% 9
Coyocqly|` lcdedjbc o` ocqbvbqbb al osbg|yoyl sl joebflsq {ybe>
o" lflcq|oylo alcdeqyb`dy c| oglebb lcdedjbcbi" ocdyaoylo on|qdoyl`dy `dgbsqbcl {lysdoel`dy sbebsqyoql=
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c" ecosoylo {ybjl`dy al osbg|yoyl b ocdyaoylo s|jl`dy osbg|yoql b o
als{g|ibyb`dy al osbg|yoyl jljiyb`dy cdj|ebqbb al ybsc%
Qlsq|` ey% 3
[dqybvbq @lgbb c| {ybvbyl `o ocqbvbqoqlo osbg|yyb`dy, lxbsq |yjqdoyl`l adjlebb
al osbg|yoyl>
o" osbg|yyb al i|e|yb=
i" osbg|yyb sdcbo`l=
c" osbg|yoyb al ys{|ealyl cbvb`=
a" osbg|yoyb al {lysdoel%
Qlsq|` ey% 1
Fdea|` al osbg|yoyl {yd{yb|*~bs lsql |e fdea>
o" cdesqbq|bq al cqyl sdcblqb`l cdjlycbo`l al osbg|yoyl abe {ybjl`l al
osbg|yoyl ecosoql, aoqdybq coyocqly|`|b o`loqdyb| o` ybsc|yb`dy osbg|yoql=
i" cdesqbq|bq al cqyl qdb oglebb lcdedjbcb abe {ydfbq|` elq=
c" cdesqbq|bq e i|glq|` al sqoq `o co{bqd`|` chl`q|bl`b
Qlsq|` ey%
?% o-i-c=9% o-i-a=
3% o-c-a=
Qlsq|` ey% 6
Coyl abeqyl |yjqdoyl`l qysq|yb e| lsql s{lcbfbc adjleb|`|b osbg|yyb`dy>
o" ocd{ly e eqylgbjl {og|il`l {yda|sl al ybsc|yb=
i" yoj|y {ylsqoqdoyl al slyvbcbb=c" sl io~lo~ {l {ybecb{b|` j|q|o`bqbb=
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a" co bqoqlo al beqlyjlaboy fbeoecboy%
Qlsq|` ey% 7
Coyocqlyb~ob osbg|yoylo co ocqbvbqoql fbeoecboy
Qlsq|` ey% 8
Abe {|ecq al vlalyl n|ybabc {leqy| o fb d{lyoeq, osbg|yoylo qyli|bl s
co{lql d fdyj n|ybabc, fo{q cl yl~|`q abeqy*|e cdeqyocq co `lgl o {yb`dy b abe
`lglo {yd{yb|*~bs ljbs al {|qlylo `lgbs`oqbv% Osqfl`, cdeqyocq|` al osbg|yoyl b
`lglo al dygoeb~oyl o osbg|yyb`dy cdesqbq|bl b~vdoyl`l al ayl{q|yb b di`bgobb e
joqlybl al osbg|yyb% (oalvyoq so| fo`s"
Qlsq|` ey% 2
Co cdeabbl s|iblcqbv, coyocqlyb~ob beqlyls|` {leqy| osbg|yoyl
Qlsq|` ey% ?;
Cl bj{`bc osbg|yoylo abe {|ecq al vlalyl lcdedjbc
Qljo% L`ljleql`l qlhebcl b c`osbfbcoylo osbg|yyb`dy
?% L`ljleql`l qlhebcl o`l osbg|yyb`dy cl lx{ybj cdeabbb`l glelyo`l o`losbg|yyb`dy%
9% Io~l`l glelyo`l b {ybecb{bb l al c`osbfbcoyl o osbg|yyb`dy%
?% L`ljleql`l qlhebcl o`l osbg|yyb`dycl lx{ybj cdeabbb`l glelyo`l o`l
osbg|yyb`dy
Cdebe|q|` cdj{`lx b fdyjl`l e coylsl {lyflcqlo~ osbg|yyb`l s|eq fdoyqlvoyboql% C| qdoql oclsqlo, l`l o| oe|jbql
l`ljleql cdj|el>
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S|iblcq|` osbg|yybb osbg|yoylobj{`bc d slybl al {yb so| s|iblcql,{lsdoel fb~bcl so| n|ybabcl, eqyl coyl sleosc yo{dyq|yb n|ybabcl {l qljlb|yb `lgo`lso| cdeqyocq|o`l% Oclqb s|iblcb s|eq>
osbg|yoqdy|` lsql {lysdoeo n|ybabc(sdcblqoqlo al osbg|yyb" coyl, e schbji|`{ybjlb al osbg|yoyl ecosoql al `oosbg|yob, b os|j yls{desoib`bqoqlo> al oocd{lyb {og|il`l i|e|yb`dy osbg|yoql{ydvdcoql al oe|jbql co`ojbqb eoq|yo`lso| occbaleql, al o {`qb s|jo osbg|yoq `o
{yda|clylo |e|b oe|jbq lvlebjleq evboo {lysdoelb yls{lcqbvl so| al o {`qbals{g|ibyb {leqy| {yln|abcb|` al coylosbg|yoq|` ys{|eal, e io~o `lgbb, fo alo`ql {lysdoel=
osbg|yoq|`{doql fb> {lysdoeo fb~bc so| n|ybabc coyl, eschbji|` {ybjlb al osbg|yoyl, {`qbqlosbg|yoqdy|`|b, b osbg|y i|e|yb`lj{dqybvo oe|jbqdy co`ojbqb eoq|yo`l
so| occbaleql, so|
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{lysdoeo fb~bc coyl sl osbg|yj{dqybvo |edy lvlebjleql coyl {dq s
o{oy e vboo so, {ylc|j b {lysdoeo fb~bc so| n|ybabc coyl slosbg|y {leqy| {yln|a|cb|` {l coyl `{doql {yda|cl |edy qlyl {lysdoel%
Cdeqyocqoeq|` osbg|yybb {lysdoeo
fb~bc so| n|ybabc coyl {doql echlboosbg|yoylo, fy o dibel {ybe oclosqoco`bqoqlo al osbg|yoq (al lxlj{`|> |e ogleqlcdedjbc {doql s echlbl osbg|yoylo{leqy| so`oybobbb sb qyoes{dyqob `o b al
`o `dc|` al j|ec"%Ilelfbcboy|` osbg|yybb lsql {lysdoeocoyl oyl ayl{q|` s ecosl~l s|joosbg|yoq so| als{g|ibylo, fy s fblelo{yoq {oyql e cdeqyocq|` al osbg|yoyl%
Diblcq|` osbg|yybb {doql fbyl{yl~leqoq al>i|e|yb osbg|yyb`l al i|e|yb bj{`bc
{`oqo |edy als{g|ibyb al cqyl osbg|yqdye fovdoylo osbg|yoq|`|b, e co~|` e coyl,
aoqdybq |edy co`ojbqb, occbaleql, sl
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{yda|c {og|il, {yln|abcbb i|e|yb`dyosbg|yoql=
{lysdoel oclsqlo {dq cdesqbq|b diblcqe osbg|yoyl {ybe fo{q|` c osbg|yqdy|`goyoeqlo~ {lysdoelb fb~bcl co osbg|yoq so| |elb qlyl {lysdoel co ilelfbcboy eosbg|yoyl {`oqo s|jlb osbg|yoql, `o bvbylolvlebjleq|`|b e f|ecbl al coyl s*o{lyflcqoq osbg|yoylo=
ys{|ealylo cbvb` osbg|yoqdy|` {ylboos|{yo so di`bgobb`l al als{g|ibyl {lcoyl osbg|yoq|` `l*oy {|qlo ovlo fo al d
qly {lysdoe fb~bc so| n|ybabc, cylboosbg|yoq|` b*o {yda|s |e {yln|abcb|%Ybsc|` edb|elo al ybsc lsql lslebo`
b coyocqlybsqbc e oesoji`|` l`ljleql`dyglelyo`l o`l osbg|yyb`dy% Ybsc|` oyl
sljebfbcobb j|`qb{`l> {lybcd` so|{ybjlnabl {dsbib` so| lvlebjleq beclyq,{dsbib` b vbbqdy, coyl oy {|qlo oflcqoi|e|yb`l, co{ocbqoqlo al j|ec, seqoqlo,vboo, lqc%
Ybsc|yb`l {dq fb {ydvdcoql al fdyl`leoq|ybb, oclsqlo {|qea ocbdeo c| coyocqly
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occbaleqo` (fdy jondy, becleab| lqc%" so|c| coyocqly {lyjoeleq (lx%> |~|yo"%Ybsc|yb`l {dq fb {ydvdcoql, al osljlelo, alfdyl |joel co |yjoyl o |edy beqlylslbeabvba|o`l aldslibql, o bef`|lel`dylcdedjbcl lqc% Ybsc|yb`l job {dq fb{ydvdcoql al bj{lyflcb|eb`lcdj{dyqojleq|`|b |joe%
Ybsc|` osbg|yoib` lsql fledjle|`,lvlebjleq|` so| |e gy|{ al fledjlel so|lvlebjleql coyl, daoq {yda|s, aoqdybqlflcql`dy so`l, di`bg {l osbg|yqdy s
{`qlosc osbg|yoq|`|b als{g|ibylo so|s|jo osbg|yoq%Edb|elo al ybsc osbg|yoib` oyl, al
ylg|`, job j|`ql sles|yb>* ybsc osbg|yoib` fd`dsbq e sles|` al
{ydioib`bqoql al {yda|clyl olvlebjleq|`|b% C| cq d job joylfylcvle oyl oclsq lvlebjleq, c| oqq jobjoyl lsql {lybcd`|` al {yda|clyl o{og|ilb b c| oqq job elclsoy o{oyl
osbg|yoylo%
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* |e o`q sles lsql {dsbib`bqoqlo alabsqy|glyl {oybo` so| qdqo` o i|e|yb`dyal |el`l fledjlel bj{ylvb~bib`l (gybeabe,becleab|, slbsj lqc%"%
e co~|` osbg|yyb`dy al {lysdoel,ybsc|` osbg|yoib` lsql l`ljleq|`el{ylv~|q, aoy {dsbib` al ylo`b~oq, coyl,daoq {yda|s, cdea|cl `o {blyalylo qdqo`so| {oybo` o co{ocbqbb al j|ec oosbg|yoq|`|b%
Fledjle|` coyl o fdsq alno {yda|s sle|jlql co~ osbg|yoq so| sbebsqy|%
* ybsc|` osbg|yoq job {doql fb eq`ebq be sles|` al jybjl, abjlesb|el oys{|ealybb os|joql al osbg|yqdy {ybeechlblylo |elb osbg|yyb%
e osbg|yoyl e| {dq fb c|{ybesl qdoql
fledjlel`l coyl {yda|c {og|il, cb e|jobocl`lo coyl eal{`belsc c|j|`oqbv|yjqdoyl`l cdeabbb>
{yda|clylo fledjlel`dy, {leqy|coyl sl echlbl osbg|yoylo, s fbl
{dsbib`, c| d oe|jbq ylg|`oybqoqle {yda|clyl b |e gyoa al abs{lysbl?29
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qlybqdybo` cq job joyl, {leqy| co`qfl` e| sl {doql joebflsqobeqlyls|` {leqy| osbg|yoylo `|b, e|sl {doql cdesqbq|b ebcb j|q|o`bqoqloelclsoy fdyjybb |e|b fdea alosbg|yoyl al abjlesb|ebcdyls{|e~qdoyl=
fledjle|` qyli|bl s obi, e qdoqlco~|yb`l, coyocqly eqj{`qdy=eylgbsqyoylo fledjle|`|b s sl
{doq ylo`b~o e lvbaleo sqoqbsqbc%Lxbsqleo |edy aoql ylflybqdoyl `o
{yda|clylo ybsc|`|b {l d {lybdoacq job eal`|egoq {lyjbqlsqoib`bylo, c| |e gyoa al {ylcb~bls{dybq, o ys{|ealybb osbg|yoqdy|`|bb, bj{`bcbq, o {ybjlb al osbg|yoyl=
{yda|clylo fledjle|`|b s e|al{bea al vdbeo osbg|yoq|`|b so|o ilelfbcboy|`|b osbg|yybb%
\e i|e {doql fb osbg|yoq j{dqybvo|e|bo so| o job j|`qdy ybsc|yb%
Lvo`|oylo e vlalylo osbg|yybbyl{yl~beq d{lyobo {ybe coyl sl sqoib`lql
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vo`doylo i|e|yb`dy, e vlalylo c|{ybealybb`dy e osbg|yoyl% Oclosq vo`doyl lsqlelclsoy s fbl sqoib`bq e al{`becdecdyaoe c| vo`doylo ylo` o i|e|`|byls{lcqbv, aldoylcl dybcl lxoglyoyl, eqy*|e sles so| e o`q|`, {doql ovlo cdeslcbelelgoqbvl {leqy| osbg|yoq% Osqfl`,s|{yolvo`|oylo a|cl `o s`ibylo{yldc|{ybb osbg|yob`dy {leqy| {ylvlebylo{og|il`dy, boy s|ilvo`|oylo e| {lyjbql, eco~ al {og|i, ocdyaoylo |elb als{g|ibybc| coyl osbg|yoq|` s*b {doq ocd{lyb
eqylogo {blyalyl%Vo`doylo al osbg|yoyl {doql fb jobjbc so| cl` j|`q lgo` c| vo`doyloi|e|`|b yls{lcqbv, eylgbsqyoq e lvbaleocdeqoib` so| sqoib`bq `o {yl|` al
ve~oyl*c|j{yoyl {yocqbcoq {leqy| ocl`i|e {l {bo, e jdjleq|` echlblybbosbg|yybb%
Vo`doylo e osbg|yoyl lsql |e l`ljleq{l coyl ` eq`ebj e|job e osbg|yyb`l al
i|e|yb%
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S|jo osbg|yoq cdefdyj cdeqyocq|`|bal osbg|yoyl, lsql {oyqlo abe vo`doyloosbg|yybb {leqy| coyl osbg|yqdy|` bos|j ys{|ealylo, e co~|` {yda|clybbfledjle|`|b {leqy| coyl s*o echlboqosbg|yoylo% S|jo osbg|yoq lsql `bjbqojoxbj o ys{|ealybb osbg|yqdy|`|b b loe| {doql al{b vo`doylo ylo` o i|e|`|bosbg|yoq%
e osbg|yyb`l di`bgoqdybb, osbg|yoq|`e|*b {doql sqoib`b s|jo osbg|yoq, oclosqofbbea {ylv~|q al `lgl, ylsqybcqbv so|
o`qlyeoqbv, {|yqea ale|jbylo al edyjal osbg|yoyl% @o cl`l foc|`qoqbvl, oclosqo slsqoib`lql e f|ecbl al {yd{|elyloosbg|yoq|`|b, c| cdeabbo co osbg|yqdy|` sfbl al ocdya% @o osbg|yyb`l al {lysdoel,
s|jo osbg|yoq sl sqoib`lql e f|ecbl alel`lglylo abeqyl osbg|yqdy b osbg|yoq%[ybjo al osbg|yoyl s|jo al ioeb {l
coyl d {`qlql osbg|yoqdy|` {leqy| cooclsqo s cdesqbq|bl fdea|` al osbg|yoyl
elclsoy {`bb bealjeb~obb`dy e co~|`{yda|clybb ybsc|`|b osbg|yoq%
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Sdcblqoqlo al osbg|yoyl oyl di`bgobo sjob cdesqbq|bl b o`ql yl~lyvl so| fdea|yb{ylv~|ql {ybe abs{d~bbb`l `lgo`l%
Vo`doylo {ybjlb al osbg|yoyl slsqoib`lql ej|`bea s|jo osbg|yoq c|cdqo*{ybj, sqoib`bq `o ?;; |%j% s|josbg|yoq (so| ?;;; |%j%"%
A|yoqo osbg|yybb {lybdoao al qbj{cq lxbsq yo{dyq|` al osbg|yoyl eqylosbg|yoq b osbg|yqdy, oo c|j o| fdsqsqoib`bq {ybe cdeqyocq|` al osbg|yoyl%A|yoqo osbg|yybb lsql s{lcbfbc
osbg|yyb`dy foc|`qoqbvl> `o osbg|yyb`l ali|eyb, cdeqyocql`l al osbg|yyb a|ylo~eqyl cqlvo `|eb b |e oe= `o osbg|yyb`l alvbo a|yoqo lsql job lxqbes (
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alcq job jbc so| cl` j|`q lgo` c|vo`doylo i|e|`|b osbg|yoq% Osqfl`, {og|io{doql fb>
* qdqo` i|e|` o fdsq absqy|s eeqylgbjl=
* {oybo` {blyalylo lsql job jbcalcq vo`doylo i|e|`|b osbg|yoq%
Als{g|ibylo al osbg|yoyl s|jo alioeb {l coyl osbg|yoqdy|` lsql di`bgoq s d{`qlosc, c| scd{|` al o cdj{leso {og|io{yda|s al ybsc|` osbg|yoq% Als{g|ibyloe| {doql al{b s|jo osbg|yoq b lsql job
jbc so| lgo` c| vo`doylo {og|il`dy, ef|ecbl al {ybec{b|` al ys{|ealyl o`osbg|yqdy|`|b coyl o fdsq o{`bcoq `oocd{lybylo {og|ilb%
e {yocqbco c|yleq sl |qb`b~lo~ qylb
{ybecb{bb vo`oib`l `o ocdyaoylo als{g|ibybb>{ybecb{b|` ys{|ealybb {yd{dybdeo`l als{g|ibylo lsql sqoib`bq eocllob {yd{dybl fo al {og|i ecoyl sl of` s|jo osbg|yoq fo al
vo`doylo i|e|`|b osbg|yoq% e co~|` ecoyl s|jo osbg|yoq lsql lgo` c|
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vo`doylo ylo` o i|e|`|b osbg|yoq,als{g|ibylo lsql b lo lgo` c|{og|io s|flybq al i|e|` yls{lcqbv%
Lxlj{`|>Vo`doylo cdesqy|cblb * 3;;;; `lb=S|jo osbg|yoq * 9;;;; `lb=[og|io * ?
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ys{|ealybb {yd{dybdeo`l, {leqy| c{og|il`l s|eq cdj{lesoql eqy*d js|yjob joyl, aoy b ebvl`|` {ybjl`dy alosbg|yoyl lsql job joyl%
Lxlj{`|>Vo`doylo cdesqy|cblb * 3;;;; `lb=S|jo osbg|yoq * 9;;;; `lb=[og|io B * ?
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oclosqo lsql job joyl alcqfyoechb~o=
Lxlj{`|>S|jo osbg|yoq * ?;;;; lb=Fyoeb~o * 3;;; lb=[og|io B *
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Osbg|yyb`l al i|e|yb, {lysdoel b ys{|ealylcbvb` {dq fb c`osbfbcoql a|{ job j|`ql cybqlybb, abeqyl coyl jlebdej> adjleb|` (yoj|yo" `ocoyl sl ylfly, fdyjo n|ybabc al ylo`b~oyl o osbg|yybb, ybsc|yb`l c|{ybesl e osbg|yoyl, sflyo alc|{ybealyl e {ydfb` qlybqdybo`, fl`|` yo{dyq|yb`dy cl sl sqoib`lsc eqyl osbg|yqdy b osbg|yoq%
A|{ adjleb|` `o coyl sl ylfly,osbg|yyb`l {dq fb gy|{oql osqfl`> osbg|yyb ali|e|yb, osbg|yyb al {lysdoel b osbg|yyb alys{|ealyl cbvb`%
Osbg|yyb`l al i|e|yb o| co diblcq abflybql vo`dyb joqlybo`lo{oybeea {lysdoel`dy fb~bcl so| n|ybabcl, coyl {dq fb s|{|sl ocb|ebb |edy fledjlel eoq|yo`l so|occbaleql`dy% Osbg|yyb`l al i|e|yb c|{ybea d goj voyboq al vo`dyb joqlybo`l, c|j s|eq>jbn`docl`l al {yda|cbl fbxl b cbyc|`oeql, c|`q|yb`l ogybcd`l b yda|` vbb`dy, oebjo`l`l adjlsqbcl,o|qdvlhbc|`l`l, eovl`l joybqbjl b f`|vbo`l, olydeovl`l, c`abyb`l b o`ql cdesqy|cbb, i|e|yb`l cosebclb o`ql coqlgdybb al i|e|yb o{oybeea {d{|`oblb%
Osbg|yyb`l al {lysdoel o| co diblcq {lysdoeo fb~bc e sbel, l`lechlbea|*sl {leqy| abjbe|oylo cdeslcbel`dy elgoqbvl co|~oql al co`ojbqb eoq|yo`l, occbaleql,
id`b lqc% so| {leqy| {`oqo s|jl dy osbg|yoql e `lgq|y c| {yda|clylo |edy lvlebjleql e vboo{lysdoel`dy (alcls, j{ bebylo |elb oe|jbql vysql, {blyalylo co{ocbqbb al j|ec lqc%"%
[ybe osbg|yyb`l al ys{|ealyl cbvb`,osbg|yqdy|` b os|j di`bgobo al o {`qb als{g|ibylo {leqy| {yln|abcb|` oa|s al osbg|yoq |edyqlyl {lysdoel% Lsql vdyio al {yln|abcb|` cl {doql fb co|~oq {ybe {yda|clylo |edy occbaleqlcdecylqb~oql e vqjoyl cdy{dyo` so| alcls dyb e ovoyblylo so| absqy|glylo |edy i|e|yb so| e o`ql
{og|il {leqy| coyl osbg|yoq|` ys{|eal cdefdyj `lgbb%A|{ diblcq|` al ocqbvbqoql sqoib`bq {ybe cdeqyocq|` al sdcblqoql b sqoq|q, sdcblqb`l
cdjlycbo`l abe adjleb|` osbg|yyb`dy {dq {yocqbco |yjqdoyl`l coqlgdybb al osbg|yyb> osbg|yyb alvbo, osbg|yyb al {lysdoel, o`ql`l alcq cl`l al vbo= osbg|yyb al o|qdvlhbc|`l= osbg|yyb joybqbjlb al qyoes{dyq= osbg|yyb al ovbobl= osbg|yyb al becleab| b o`ql {og|il `o i|e|yb= osbg|yyb alys{|ealyl cbvb`= osbg|yyb al cylabql b goyoebb= osbg|yyb al {blyalyb fbeoecboyl abe ybsc|ybosbg|yoql b osbg|yyb ogybcd`l%
A|{ fdyjo n|ybabc al ylo`b~oyl,osbg|yyb`l al i|e|yb, {lysdoel b ys{|ealylcbvb` sl gy|{lo~ e osbg|yyb {ybe lflcq|``lgbb (di`bgoqdybb" b osbg|yyb foc|`qoqbvl(cdeqyocq|o`l"%
Osbg|yyb`l {ybe lflcq|` `lgbb b~vdysc abe beqlyls|`lcdedjbc b sdcbo` o` eqylgbb cd`lcqbvbqb {leqy| o{yoylo ov|blb eobdeo`l, jlebelylocdeqbe|bqbb {ydcls|`|b al {yda|cbl b {ydqlnoylo vbcqbjl`dy |edy occbaleql% C| o`ql c|vbeql,osbg|yoylo {ybe lflcq|` `lgbb sl beqyda|cl oq|ecb cea i|e|yb`l |e|b joyl e|jy al {lysdoel fb~bcl
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so| n|ybabcl s|eq ojlebeoql al oe|jbql ybsc|yb, osqfl` ecq fblcoyl albeqdy o` i|e|`|b yls{lcqbv oy{|qlo ovlo al s|{dyqoq {og|il, job alvyljl so| job qy~b|, `o {yda|clylo ybsc|yb`dy yls{lcqbvl%Alcb, {leqy| co oglebb lcdedjbcb so| {d{|`obo s {doq {ybjb als{g|ibyb`l elclsoyl ocd{lybybb
{og|il`dy {yda|sl al co`ojbqb eoq|yo`l so| occbaleql |edy i|e|yb fdoyql bj{dyqoeql (c`abyb b o`qljbn`docl fbxl, oebjo`l, c|`q|yb ogybcd`l lqc%" sl besqbq|bl osbg|yoylo oclsqdyo {ybe lflcq|` `lgbb%
e osbg|yyb l {ybe lflcq|` `lgbb, yo{dyq|yb`l abeqyl osbg|yoq b osbg|yqdy, ayl{q|yb`l b
di`bgobb`l `dy s|eq sqoib`bql {ybe `lgl% Oclosqo esloje c osbg|yoylo bo fbbe e vbyq|qlo `lgbb fyo sl clyl ocdya|` al vdbe o` cl`dy coyl albe i|e|yb`l yls{lcqbvl so| o` {lysdoel`dy fb~bcl dybn|ybabcl cl beqy s|i becbaleo `lgbb% S{yl lxlj{`|, osbg|yoylo al ys{|ealyl cbvb` o|qd sl {yocqbcs|i fdyj di`bgoqdybl o{ydo{l e qdoql yb`l abe L|yd{o%
Osbg|yyb`l foc|`qoqbvl bo| eoqlyl {l io~o cdeqyocq|`|b alosbg|yoyl echlboq eqyl osbg|yqdy b osbg|yoq% Osbg|yqdy|` lsql di`bgoq s occl{ql osbg|yoylofoc|`qoqbv {yd{|s al osbg|yoq, aoc oclosqo cdyls{|eal {ylvlalyb`dy abe ocql`l edyjoqbvl evbgdoyl% [leqy| co osbg|yqdy|` s occl{ql osbg|yoylo {yd{|s, lsql elclsoy co {lysdoeo fb~bc so|
n|ybabc cl sd`bcbq echlblylo oclsqlbo s alc`oyl e scybs qdoql aoql`l elclsoyl {leqy| baleqbfbcoyloi|e|`|b yls{lcqbv, j{yln|yyb`l lslebo`l {ybvbea eoq|yo b sflyo ybsc|`|b% Al osljlelo, lsql elclsoy
co {lysdoeo coyl sd`bcbq echlblylo osbg|yybb s fbl al ocdya c| {`oqo {ybjl`dy al osbg|yoyl b syls{lcql qdoql di`bgobb`l cl*b ylvbe {l {lybdoao vo`oib`bqbb cdeqyocq|`|b al osbg|yoyl% [leqy|
{dqlebo`bb osbg|yob, echlblylo osbg|yybb foc|`qoqbvl al{beal al vdbeo `dy, lb fbbea sbeg|ybb coyl {dqalcbal e `lgq|y c| cdeqyocqoylo osbg|yybb%
A|{ ybsc|` c|{ybes e osbg|yoyl,osbg|yyb`l {dq fb c`osbfbcoql osqfl`> osbg|yyb j{dqybvo becleab|`|b, qyselq|`|b, lx{`d~blb, jbcyb`dy slbsjbcl lqc% I|e|yb`l
osbg|yoql cdeqyo oclsqdy fledjlel s|eq> c`abyb l, cdesqy|cbb`l, |qb onl`l b besqo`obb`l,jbn`docl`l al qyoes{dyq, jdib`bly|` b diblcql`l al |~ cosebc lqc%=
osbg|yyb cdeqyo gybeabelb, f|yq|ebb, |yogoe|`|b, {`db`dy qdylebo`l, be|eaobb`dy, {yi|bybb so|o`|elcybb al qlyle lqc% j{dqybvo oclsqdy ybsc|yb s|eq osbg|yoql al dibclb c|`q|yb`l ogybcd`l byda|` vbb`dy=
osbg|yyb {leqy| id`b, l{b~ddqbb b occbaleql coyl sl {yocqbc e co~|` oebjo`l`dy= osbg|yyb cdeqyo ovoybb`dy b o`qdy ybsc|yb s{lcbfbcl (ysq|yeyb, cbdcebyb, calyb, alyo{yb lqc%", `o
coyl s|eq s|{|sl jbn`docl`l al qyoes{dyq b ecycq|yb`l of`oql {l oclsqlo, e qbj{|` sqobdeybbb o` jlys|`|b=
osbg|yyb j{dqybvo |edy lvlebjleql cl o{oy e vboo dojleb`dy, co> alcls, id`b, occbaleql lqc%coyl {dq a|cl `o {blyalylo qlj{dyoy so| alfbebqbv o co{ocbqbb al j|ec=
osbg|yyb {leqy| co~|yb`l al ys{|ealyl cbvb` coyl sl ylfly `o {yln|abcbb co|~oql qlyl`dy
{lysdoel {ybe occbaleql al o|qdvlhbc|`l, {ybe lxlycbqoylo |elb oe|jbql ocqbvbqb lqc%
A|{ sflyo al c|{ybealyl e {ydfb`qlybqdybo`, osbg|yyb`l {dq fb gy|{oql eosbg|yyb beqlyel b osbg|yyb lxqlyel%
Osbg|yyb`l beqlyel o| coyocqlybsqobc fo{q|` c, e glelyo`, {yb`lcdeqyocqoeql adjbcb`bo~ e ocllob oy, i|e|yb`l, {lysdoel`l b ys{|ealylo cbvb` coyl foc diblcq|``dy sl of` {l qlybqdyb|` ocl`lbob yb, boy ybsc|yb`l osbg|yoql sl {dq {yda|cl {l ocl`ob qlybqdyb|%
Osbg|yyb`l lxqlyel o| coyocqlybsqbc fo{q|` c o{oy e `lgq|y c|{lysdoel, ys{|ealyl cbvb` so| i|e|yb coyl bls e ofoyo `bjbql`dy qlybqdybo l o`l ybb e coyl sl
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echlbl cdeqyocq|` al osbg|yoyl% e co~|` oclsqdy osbg|yyb, |eo abe {yb`l cdeqyocqoeql dybilelfbcboy|` osbg|yybb adjbcb`bo~ e o`q oy so| diblcq|` osbg|yybb dyb ybsc|` osbg|yoq sl of`,yls{lcqbv sl {doql {yda|cl, {l qlybqdyb|` |elb o`ql yb%
A|{ fl`|` yo{dyq|yb`dy cl sl sqoib`lsc eqyl osbg|yqdy bosbg|yoq, osbg|yyb`l {dq fb gy|{oql e osbg|yyb abylcql b osbg|yyb beabylcql so| ylosbg|yyb%
S{lcbfbc osbg|yyb`dy abylcql lsql fo{q|` c yo{dyq|yb`l al osbg|yoyl sl sqoib`lsc e jdaeljbn`dcbq eqyl osbg|yob (abflybql {lysdoel fb~bcl so| n|ybabcl" b osbg|yqdy, fbl {ybe beqlyjlab|`cdeqyocq|`|b al osbg|yoyl, fbl e io~o `lgbb% S{yl aldslibyl al osbg|yyb`l abylcql, ylosbg|yoylo o{oylco |e yo{dyq cl sl sqoib`lql al fblcoyl aoq eqyl ad| sdcblqb al osbg|yoyl, abeqyl coyl |eo oylco`bqoqlo al ylosbg|yoq (claleq", boy clo`o`q al ylosbg|yqdy% Ylosbg|yoylo oyl `o io~ cdeqyocq|` alylosbg|yoyl, {ybe beqlyjlab|` cy|bo ylosbg|yoq|` clalo~ |e|b ylosbg|yqdy d {oyql abe ys{|ealyb`l
{l coyl b `l*o os|joq {ybe cdeqyocq|` al osbg|yoyl b d {oyql abe {ybjl`l al osbg|yoyl ecosoql% eoclsq fl , ylosbg|yqdy|` (ylosbg|yqdybb" b os|j ys{|ealylo al o {oyqbcb{o `o ocd{lybylo
{og|il`dy coyl sl {dq {yda|cl i|e|yb`dy c|{ybesl e cdeqyocq|` al osbg|yoyl e `bjbql`l jlebdeoqle cdeqyocq|` al ylosbg|yoyl%
eqyliyb al vlybfbcoyl
?% Coyl lsql s|iblcq|` b diblcq|` osbg|yyb dy4
9% Coyl s|eq cdeabbb`l co |e ybsc s fbl osbg|yoib`4
3% Coyl lsql al{lealeo abeqyl vo`doylo ylo` o i|e|`|b `o jdjleq|` echlblybb
cdeqyocq|`|b b s|jo osbg|yoq4
1% Cl yl{yl~beq {ybjo al osbg|yoyl4
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c" osbg|yyb beqlyel=
a" osbg|yyb al {lysdoel=l" osbg|yyb abylcql=
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f" osbg|yyb al ys{|ealyl cbvb`%
O`lglb voyboeqo cdylcq>
?% o-c-a-f=
9% i-a-f=
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Qlsq|` ey% 9
Coyl s|eq {ybecb{o`l`l l`ljleql qlhebcl o`l osbg|yybb4
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c" beqlyls|` osbg|yoq=
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f" {ybjo al osbg|yoyl%
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?% i-a-l-f=
9% i-a-o-f=
3% o-i-c-a-l-f=
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Coyl s|eq cl`l qylb {ybecb{bb fd`dsbql `o ocdyaoylo als{g|ibybb4
o" {ybecb{b|` ys{|ealybb bjbqoql,
i" {ybecb{b|` j|q|o`bqbb=c" {ybecb{b|` {ybj|`|b ybsc=
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9% o-i-a=
3% o-c-a=Qlsq|` ey% 1
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Lsleo lcdedjbc o {ybjlb al osbg|yoyl sl joebflsq {ybe fo{q|` c> (o`lglb
voyboeqo cdylcq"
o" lo {doql fb alqlyjbeoq co d lx{ybjoyl ielosc o di`bgob|eb`dy al
osbg|yoyl, coyl s|eq {ylv~|ql b cdefbyjoql {ybe echlblylo |e|b cdeqyocq al
osbg|yoyl abeqyl {yb`l cdeqyocqoeql=
i" lo yl{yl~beq {ybe sbel d {oyql o vlebq|`|b eobdeo`, coyl sl alqolo~ al cqyl
osbg|yoq c| scd{|` al o {ydqlno beqlylsl`l so`l al bef`|leo a|eqdoyl o
lvlebjleql`dy elfovdyoib`l=
c" lsql d {`oq {lybdabc o osbg|yoq|`|b%
Qlsq|` ey% alcls,
bevo`babqoql abe occbaleql so| oqbeglylo |elb oe|jbql vysql%
e cl {ybvlql beqlyls|` al osbg|yoyl fo al |e `|cy| vbbqdy, s|eq al sljeo`oq
|yjqdoyl`l os{lcql>
* e {yocqbco osbg|yyb`dy abe abflybql sqoql, i|e|yb`l vbbqdoyl, c|j oy fb yda|`
vbb`dy so| {yda|cbb`l ogybcd`l, {dq focl diblcq|` osbg|yybb% Oclosqo aldoylcl d
ao|e sl {doql {yda|cl oqq os|{yo |edy i|e|yb joqlybo`l, cq b e {ybvoylo `dy al o
{yda|cl cqbg|yb=
* e co~|` osbg|yybb i|e|yb`dy {l qbj{|` qyoes{dyq|`|b sl als{g|ilql b
ilelfbcb|` sl{oyoql `o jyf|yb`l osbg|yoql, al {e `o ?;, e `b{so |elb cdevlebb
cdeqyoyl%
9% [ybe diblcq|` osbg|yybb sl el`lgl cllo cl s*o osbg|yoq> oe|jbql i|e|yb,
als{g|ibyb`l aoqdyoql al osbg|yoq co |yjoyl o ys{|ealybb cbvb`l fo al d qly
{lysdoe ({oqybjdebo` abe coyl oy |yjo s sl {`qlosc" so| |e oqybi|q o` {lysdoelb
(vboo, co{ocbqoqlo al j|ec lqc%", oabc vo`dyb`l {oqybjdebo`l so| el{oqybjdebo`l
lx{|sl {lybcd`|`|b% Osqfl`, e osbg|yyb l al i|e|yb osbg|yqdy|` goyoeqlo~
osbg|yoq|`|b {`oqo |edy als{g|ibyb, e co~|` e coyl oe|jbql co`ojbqb so|
occbaleql oy {yda|cl {og|il i|e|`|b yls{lcqbv= e osbg|yyb`l al {lysdoel sl
goyoeqlo~ {`oqo |edy s|jl abeobeql sqoib`bql, e co~|` e coyl e vboo osbg|yoq|`|b
oy beqlyvleb |e oe|jbq lvlebjleq (s|{yovbl|byl, bevo`babqoql, alcls lqc%"= boy e
osbg|yyb`l al ys{|ealyl cbvb osbg|yqdy|` {ylbo os|{yo so di`bgobb`l al
als{g|ibyl {l coyl osbg|yoq|` `l*oy {|qlo ovlo fo al d qly {lysdoe, co |yjoyl ofo{q|`|b c b*o {ybcbe|bq oclsq|bo |e {yln|abcb|%
Diblcq|` osbg|yybb e| qyli|bl cdef|eaoq c| diblcq|` cdeqyocq|`|b
(yo{dyq|`|b" al osbg|yoyl% Al lxlj{`|, vboo b seqoqlo {dq fdyjo diblcq|`
osbg|yybb, aoy fbbea scdosl abe cbyc|bq|` cbvb` e| fdyjlo~ diblcq|` cdeqyocq|`|b
(yo{dyq|`|b" al osbg|yoyl= oclsqo cdesq abe di`bgobb`l {yb`dy {ybvbea {`oqo {ybjlb
al osbg|yoyl b o bealjeb~oblb al osbg|yoyl, {ybjo b bealjeb~obo al osbg|yoyl
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cdesqbq|bea diblcq|` {ylsqobb`dy `o coyl sl di`bg {yb l (diblcq|` beabylcq o`
cdeqyocq|`|b"%
Ybsc|` cdesqbq|bl l`ljleq|` lslebo` b coyocqlybsqbc o` cdeqyocq|`|b al
osbg|yoyl% Aoc ybsc|` `b{slql, cdeqyocq|` al osbg|yoyl lsql `b{sbq al lfbcocbqoql, al
{yd{ybo so s|isqoe, eqy|cq ybsc|` yl{yl~beq es|b co|~o osbg|yybb%
e `bqlyoq|yo al s{lcbo bqoql ybsc|` osbg|yoq lsql baleqbfbcoq co fbbea
fledjle|` so| lvlebjleq|` `o {yda|clylo cy|bo sdcblqoqlo al osbg|yyb lsql
di`bgoq {ybe `lgl so| cdeqyocq s ochbql osbg|yoq|`|b so| ilelfbcboy|`|b osbg|yybb
als{g|ibylo al osbg|yoyl `o i|e|yb so| s|jo osbg|yoq e co~|` {lysdoel`dy% Ybsc|`
osbg|yoq sl ylfly `o |e|` so| job j|`ql lvlebjleql (fledjlel" vbbqdoyl, {dsbib`l b
elsbg|yl (beclyql", gyoa|` al {ydioib`bqoql o` bvbybb |elb {ybjlnabb, {ylc|j b
ys{|ealylo {yl`|oq al osbg|yqdy al o {`qb osbg|yoq|`|b als{g|ibylo so| s|jo
osbg|yoq aoqdyoq co |yjoyl o {yda|clybb lvlebjleq|`|b {yda|cqdy al {og|il% e
adjleb|` osbg|yyb`dy, ybsc|` osbg|yoq {doql s fbl b |e lvlebjleq flybcbq, co~
eq`ebq e osbg|yoylo al vbo `o j{`bebylo |elb oe|jbql vysql% Al ylg|`, oclsql
lvlebjleql s|eq eqj{`qdoyl (so| qlyjle|` al s|{yovbl|byl lsql elalqlyjbeoq",
beclyql b bj{ylvb~bib`l% E| sl {doql c|edoql abeobeql aoc |e osqfl` al lvlebjleq
vo s|yvleb eqy*oalvy eqy*|e oe|jbq `dc, aoc l` vo {yda|cl so| e| {og|il
oe|jbqdy {lysdoel, boy e co~|` e coyl s*oy bvb, e| sl {doql qb coyl vo fb jdjleq|`,
cl oj{`doyl vo ovlo b coyl vo fb jybjlo {og|il`dy cl v*dy fb {ydvdcoql% @o
osbg|yyb`l al {lysdoel, ybsc|` osbg|yoq lsql lvlebjleq|` (lvlebjleql`l"
bj{ylvb~bib`, vbbqdy b {dsbib` s sl {yda|c b coyl {doql ovlo co lflcq {blyalylo
{oybo` so| qdqo` o co{ocbqbb al j|ec, j{`bebylo |elb oe|jbql vysql, alcls|`%[ybe ybsc osbg|yoq sl job el`lgl b jybjlo ({yd{dybo" ys{|ealybb
{yl`|oql al osbg|yqdy {ybe echlblylo osbg|yybb yls{lcqbvl%
Fledjle|` (lvlebjleq|`" osbg|yoq coyl o fdsq alno {yda|s, {doyq
ale|jbylo al co~ osbg|yoqso| sbebsqy|% Yl~|`q c, s{yl aldslibyl al ybsc, coyl lsql
|e lvlebjleq cl sl {doql bvb, co~|` osbg|yoq lsql |e lvlebjleq coyl s*o {yda|s%
Edb|elo al co~ osbg|yoq oyl d esljeqoql aldslibq e joqlybl, {leqy| c abe
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jdjleq|` {yda|clybb `|b, osbg|yqdy|` lsql di`bgoq s {`qlosc ealjeb~obo al
osbg|yoyl (als{g|ibyl so| s|j osbg|yoq"%
3% S|jo osbg|yoq lsql {oyqlo abe vo`doylo al osbg|yoyl {leqy| coyl osbg|yqdy|`
b os|j ys{|ealylo e co~|` {yda|clybb fledjle|`|b (lvlebjleq|`|b" {leqy| coyl
s*o echlboq osbg|yoylo% S|jo osbg|yoq yl{yl~beq `bjbqo joxbj o ys{|ealybb
osbg|yqdy|`|b b cdesqbq|bl |e|` abe l`ljleql`l coyl sqo| `o io~o co`c|`ybb {ybjlb
al osbg|yoyl%
e co~|` osbg|yyb`dy al i|e|yb, s|jo osbg|yoq e| {doql s al{losc
vo`doylo ylo` o i|e|`|b `o aoqo osbg|yybb (vo`doylo al osbg|yoyl"% S|{yoosbg|yoylo
e| lsql oajbs aldoylcl {doql qyl~b beqlyls|` osbg|yoq|`|b `o {yda|clylo co~|`|b
osbg|yoq% e schbji, s|jo osbg|yoq {doql fb beflybdoy vo`dybb ylo`l o i|e|`|b
(s|iosbg|yoyl"% e oclsql `bjbql s|jo osbg|yoq sl qoib`lql al cqyl {yb e
cdeqyocq%
e co~|` osbg|yybb al ys{|ealyl cbvb`, eqy|cq e| lxbsq d vo`doyl al
osbg|yoyl, s|jo osbg|yoq sl sqoib`lql {ybe cdevlebl, boy e co~|` osbg|yybb
di`bgoqdybb, {ybe hdqyyl o G|vlye|`|b%
e co~|` osbg|yyb`dy al {lysdoel, s|jo osbg|yoq e| lsql `bjbqoq% Fbbea
vdyio al vboo b al seqoqlo dj|`|b, e| sl {doql sqoib b d `bjbq fbl jbebj, fbl
joxbj al vo`doyl% Osqfl` fbbea, edb|eb`l al s|{yoosbg|yoyl so| s|iosbg|yoyl
s|eq beo{`bcoib`l b s|jo osbg|yoq sl sqoib`lql {dqybvbq el`lglybb abeqyl {yb, e
jda `bily% e co~|` osbg|yyb`dy al {lysdoel, cdeqyocq|` al osbg|yoyl oyl |e coyocqly
ealjebqoy, oabc e schbji|` {ybjl`dy al osbg|yoyl osbg|yqdy|` e| sl di`bg s
ocd{lyl d {og|i, cb s {`qlosc, `o ylo b~oylo ybsc|`|b, s|jo osbg|yoq,beal{lealeq al dybcl ball al {yln|abcb|, aoq fbbea fo{q|` c oqq vboo, cq b
seqoqlo dj|`|b e| s|eq lvo`|oib`l e ioeb (alcb sl lxc`|al dybcl yo{dyq eqyl s|jo
osbg|yoq b {og|io s|flybq al osbg|yoq"%
[ybjo al osbg|yoyl lsql s|jo al ioeb {l coyl osbg|yoq|` lsql di`bgoq, e
io~o cdeqyocq|`|b so| o `lgbb, s d {`qlosc osbg|yqdy|`|b, e schbji|` goyoeblb {l
coyl oclsqo b*d ocdya b sl fd`dslql {leqy| cdesqbq|bylo fdea|`|b al osbg|yoyl, ofdea|yb`dy al yl~lyv, {leqy| fbeoeoylo ocb|eb`dy al {ylvlebyl b cdjioqlyl o |edy
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lvlebjleql {yda|cqdoyl al {og|il b {leqy| ocd{lybylo chl`q|bl`b`dy `lgoql al
oajbebsqyoylo osbg|yyb dy% [ybjo al osbg|yoyl lsql, ooaoy, {yl|` {`qbq al osbg|yoq
co osbg|yqdy|` s {ylbo os|{yo so ybsc|`%
C|oeq|j|` {ybjlb al osbg|yoyl al{beal al cdqo al {ybj qoybfoy sqoib`bq,
al lxj{`|, `o ?;;; `lb s|j osbg|yoq {l co{ al oebjo`, hlcqoy, lqc%, {ylc|j b al
jybjlo s|jlb osbg|yoql% [ybe |yjoyl, {ybjo al osbg|yoyl sl co`c|`lo~ {ybe
ej|`bylo cdqoblb (lx{ybjoq e {ydcleql" on|sqoq, e |yjo bes{lcblb al ybsc b o
elgdcblybb, c| s|jo osbg|yoq%
Lxbsq job j|`ql coqlgdybb al {ybjl (cdqb~obb al osbg|yoyl" b oe|jl>
o" [ybjo {|y, ale|jbq b{ybj al ysbc so|{ybj qlhebc, lsql alsqbeoq
cdesqbq|bybb fdea|`|b al osbg|yoyl abe coyl sl {`qlsc als{g|ibyb`l al osbg|yoyl b
s|jl`l osbg|yoql% Lo sl co`c|`lo~ ej|`bea fylcvleo sbebsqyl`dy c| cdsq|` `dy
jlab|%
S{yl lxlj{`|, s {yls|{|elj c |e osbg|yqdy abe Ydjebo osbg|y
j{dqybvo becleab|`|b 9;;; al cosl coyl cdsq e jlabl 9;;%;;;%;;; `lb% S|jo
osbg|yoq vo fb 9;; jb`% `lb X 9;;; : 1;; jb`boyal `lb% Aoc, {dqybvbq sqoqbsqbcb`dy, e
fblcoyl oe, e jlabl, |eo abeqyl oclsql cosl oyal cdj{`lq, osbg|yqdy|` vo qyli|b s
{`qlosc 9;; jb`bdoel `lb {leqy| o*b dedyo oegonojleql`l% [ybjo {|y elclsoy
{leqy| o focl fo oclsqlb sbebsqyo`bqb lsql lgo` e fblcoyl oe c| ?;;%;;; `lb, oo
c|j yl~|`q abe |yjqdy|` co`c|`>
Fylcvleo : ?$9;;; : ;,; 9;; jb`% `lb
[ybjo {|y : fylcv% X s|jo osbg|yoq : ;,;
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?;; jb` `lb vo {`qb ;; jb`% `lb X ;,;
`lgo`bqoqlo=
. co{ocbqoqlo {yb`dy cdeqyocqoeql=
. cdesbjjeq=
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. diblcq=
. co|~=
fdyj%
o" @lgo`bqoqlo`o echlblylo cdeqyocq|`|b al osbg|yoyl {yls|{|elyls{lcqoylo cdeabblb, a|{ coyl sl oajbql qdq|` cllo cl e| sl beqly~bcl% Osqfl`, s{yl
lxlj{`|, sl cdesbaly echlboql c| ec`coylo cdeabblb al osbg|yoyl ocl`l
cdeqyocql, coyl {yls|{|el |e beqlyls b`bcbq, osbg|yoylo {yln|abcb|`|b s|{dyqoq `o
ndc|yb, {oyb|yb, `dqlybb, lvleq|o`l`dy chl`q|bl`b `o coyl {doql fb s|{|s {lysdoeo e
scd{|` l`bilyybb dsqoqbcb`dy lqc%
i" Co{ocbqoqlo al o echlbo cdeqyocq|` al
osbg|yoyl d oyl>ovea co`bqoqlo al osbg|yoq dybcl {lysdoe fb~bc so| n|ybabc, coyl e
cdeabbb`l glelyo`l {dsla co{ocbqoql n|ybabc al o echlbo cdeqyocq|`% Lsql
`dgbc fo{q| , co adieabylo co`bqbb al osbg|yoq s*b o{oybe, s{yl
lxlj{`|, {yd{yblqoy|`|b |e|b bjdib`, alb oclsqo e| oyl j{`bebq vysqo
jondyoq|`|b% Oclosqo ebcbalc|j e| qyli|bl al cdef|eaoq c| ayl{q|` al o
alcbal echlblylo cdeqyocq|`|b, so| o`qfl` s{|s c| co{ocbqoqlo al o lx{|el
ocdya|` `o echlblylo cdeqyocq|`|b, aldoylcl oclsqo lsql {yd{yb| `o oo
cdeqyocql adoy `o {lysdoel`l fb~bcl cl abs{|e al co{ocbqoql al lxlycbb|
cdj{`lq (Osqfl`, dybcl {lysdoe {doql cdeqyocqo, aoc e| lsql alc`oyoq
al `lgl beco{oib`% Beco{oib`b al o cdeqyocqo s|eq> jbedybb, beqly~bbb
n|alcqdylqb b, e glelyl, qdb clb cydy `lglo `l*o beqly~bs dybcoyl
cdeqyocqoyl% Jbedybb eqyl ?1*?8 oeb o| co{ocbqoql ylsqyes b {dq bechlbo
ocql n|ybabcl {lysdeo`l, aoy e|job c| ocdya|` {oybeql`|b so| o o|qdybqbb
q|ql`oyl"%
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ovea co`bqoqlo al osbg|yqdy dybcl {lysdoe n|ybabc cdesqbq|bq,
bec`|sbv b c| co{bqo` sqybe, e scd{|` alsf|yybb ocqbvbqbb al osbg|yoyl
{l io~ al `bcle%
ovea co`bqoqlo al ilelfbcboy al osbg|yoyl dybcl {lysdoe qly, cylbo
osbg|yqdy|` b vo als{g|ib co~|` osbg|yoq e io~o cdeqyocq|`|b al
osbg|yoyl%
c" Cdesbjjeq|` `o echlblylo cdeqyocq|`|b al osbg|yoyllsql ylo`b~oq oq|ecb cea {yb l o| cdevlebq os|{yo cdeabbb`dy lslebo`l o`l
cdeqyocq|`|b% Abe coqlgdybo cdeabbb`dy lslebo`l o`l cdeqyocq|`|b al osbg|yoyl foc
{oyql> qb{|` osbg|yybb, diblcq|` osbg|yoq, ybsc|` b co~|` osbg|yoq, jybjlo {ybjlb alosbg|yoyl, qlyjle|` al ochbqoyl o {ybjlb al osbg|yoyl, jybjlo als{g|ibybb al
osbg|yoyl so| {`bb al osbg|yoyl lqc% Coyocqlybsqbc {leqy| ylo`b~oylo
cdesbjjeq|`|b e cdeqyocq|` al osbg|yoyl lsql fo{q|`, c oclsqo lsql ylo`b~oq e
fdyj scybs% Cdesbjjbeq|` e| lsql vo`oib` cea lsql aoq {ybe lydoyl, sj|`s {ybe
vbd`le so| s|y{ybes {ybe ad`%(Vbd`leo e osbg|yyb lsql gyl| al {yls|{|s, aoy aoc
s*o {yda|s cdeqyocq|` al osbg|yoyl sl oe|`lo~= Ad`|` fd`dsbylo al jbn`doclvbc`lel al coqyl |eo abe {yb%"
a" Diblcq| osbg|yybb ` yl{yl~beq cllo cl s*o osbg|yoq> i|e|`qyli|bl so fbl alqlyjbeoib`%
l" Co|~o so| scd{|` cdeqyocq|`|b lsql
l`ljleq|` cdeqyocq|`|b al osbg|yoyl cl cdesq ediblcqbv|` (fbeo`|`" |yjybq% Alcb, co|~o e cdeqyocq|` al osbg|yoyl yl{yl~beq scd{|`
osbg|yybb {dsbib`bqbb fbeoecboyl o osbg|yoq|`|b e co~|` s|yvlebybb ao|elb `o
{yda|clylo co~|`|b osbg|yoq, b scd{|` osbg|yqdy|`|b al o {ybjb d {ybj al
osbg|yoyl al `o osbg|yoq, boy `o s|yvlebylo co~|`|b osbg|yoq al o ochbqo {`oqo so|
als{g|ibylo al osbg|yoyl% \e cdeqyocq al osbg|yoyl vo fb cdesbalyoq co ovea d
co|~ b`bcbq oq|ecb cea l` s*o echlboq c| eco`coylo dyabebb {|i bcl so| oylg`ljleqyb`dy `lgo`l cl s|{yovlghlo~ ocqbvbqoqlo al osbg|yoyl%
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f" Fdyjo scybs o cdeqyocq|`|b al osbg|yoyl, cly|q {leqy|d{d~oib`bqoql% Osqfl`, echlblylo cdeqyocq|`|b al osbg|yoyl {doql fb cdesqoqoq {ybe
cdefbyjoylo {`bb {ybjlb al osbg|yoyl% Qdadaoq e| sl oajbql advoao echlblybb
cdeqyocq|`|b al osbg|yoyl {ybe {ydio c| joyqdyb so| chboy b {ybe ecl{|q al escybs%
1% Lflcql`l cdeqyocq|`|b al osbg|yoylFbbea |e cdeqyocq sbeo`ogjoqbc, cdeqyocq|` al osbg|yoyl {yls|{|el ayl{q|yb
b di`bgobb cdyl`oqbvl eqyl {yb cl {dq fb al`bjbqoql e ad| {lybdoal> {e `o bvbylo
lvlebjleq|`|b osbg|yoq b a|{ {yda|clylo oclsq|bo%
1%? Ayl{q|yb`l sb di`bgobb`l osbg|yoq|`|b>
o" {e `o {yda|clylo ybsc|`|b osbg|yoq
Ayl{q|yb`l osbg|yoq|`|b>
ayl{q|` al o jdabfbco cdeqyocq|`
ayl{q|` al o echlbo osbg|yyb s|{`bjleqoyl
ayl{q|` al ysc|j{yoyl
Di`bgobb`l osbg|yoq|`|b>
{`oqo {ybjlb al osbg|yoyl
di`bgobo al o befdyjo {l osbg|yqdy e {ybvbeo jdabfbcybb cbyc|jsqoel`dy
coyl ogyovlo~o ybsc|`,
di`bgobo al beqylbelyl o i|e|`|b osbg|yoq e i|el cdeabbb, cdefdyj
abs{d~bbb`dy `lgo`l e vbgdoyl%
i" a|{ {yda|clylo ybsc|`|b osbg|yoq* ayl{q|` al o ecoso als{g|ibylo al osbg|yoyl
Di`bgobb`l osbg|yoq|`|b s|eq>
cdjioqlylo lflcqbv o co`ojbqb`dy {leqy| `bjbqoylo {og|ilb b so`voylo
i|e|yb`dy osbg|yoql=
ovb~oylo osbg|yqdy|`|b, be qlyjlel`l {ylvo~|ql al cdeabbb`l al osbg|yoyl, c|
{ybvbyl `o {yda|clylo ybsc|`|b osbg|yoq
{oyqbcb{oylo `o cdesqoqoylo co~|`|b osbg|yoq {yda|s b o {og|ilb yl~|`qoql
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f|yeb~oylo al ocql b aoql ylflybqdoyl `o ybsc|` osbg|yoq
1%9 Ayl{q|yb`l sb di`bgobb`l osbg|yqdy|`|b
o" {e `o {yda|clylo ybsc|`|b osbg|yoq>
ayl{q|` al o vlybfbco lxbsqleo i|e|`|b osbg|yoq b o jda|`|b e coyl oclsqo sl
beqylbel
ayl{q|` al o o{`bco soecb|eb `lgo`l cea osbg|yoq|` o ec`coq di`bgobb`l
{ybvbea beqylbelylo, fd`dsbylo b {o~o i|e|yb`dy osbg|yoql
Di`bgobb`l osbg|yqdy|`|b>
di`bgobo al o l`bilyo, `o clylyl, a|i`bcoq|` adc|jleq|`|b al osbg|yoyl, aoc
osbg|yoq|` `*o {blya|q {l cl` dybgbeo`
di`bgobo al o l`bilyo, `o clylylo osbg|yoq|`|b o |e|b clyqbfbcoq cl cdefbyjo
osbg|yoylo%
i" a|{ {yda|clylo ybsc|`|b osbg|yoq
* osbg|yqdy|` ochbqo als{g|ibylo so| s|jo osbg|yoq
e oclsq scd{, osbg|yqdy|` vo sqoib`b co|~l`l ao|el`dy b j{yln|yyb`l e coyl
oclsqlo s*o| {yda|s {leqy| o alqlyjbeo di`bgobo so al {`oq% [leqy| oclosqo lsql
elclsoy s sl vlybfbcl
aoc osbg|yoylo lyo be vbgdoyl `o aoqo {yda|clybb ybsc|`|b
aoc {ybjl`l al osbg|yoyl o| fdsq ochbqoql beqlgyo`
aoc i|e|yb`l yls{lcqbvl s|eq c|{ybesl e osbg|yoyl
aoc lvlebjleq|` {yda|s lsql ybsc|` j{dqybvo cy|bo s*o echlboq osbg|yoylo%
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[leqy| osbg|yyb`l al i|e|yb, cdeqyocq|` eclqlo~ e|job aoc, {ybe ylo`b~oylo
ybsc|`|b, i|e|` osbg|yoq o fdsq absqy|s qdqo`jleql% Aoc absqy|glylo lsql {oybo`,
cdeqyocq|` {doql cdeqbe|o s*b {yda|c lflcql`l {leqy| d s|j osbg|yoq yla|s%
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osbg|yoq e| sl l{|b~lo~ {ybe ochbqoylo als{g|ibybb qly|`|b {yln|abcboq {ybe fo{qo
osbg|yoq|`|b, osbg|yqdy|` vo ys{|eal e cdeqbe|oyl {e `o s|jo cdeqyocqoq%
Jda|yb`l eldibe|bql al eclqoyl o cdeqyocq|`|b s|eq>
ale|eoylo cdesq e lxlycbqoylo cdeqyocq|`|b e jda |eb`oqlyo`, abe co|~l
o|qdyb~oql al `lgl b oe|jl> aoc osbg|yoq|` e| o cdj|ebcoq e scybs
jdabfbcyb`l beqlyvlebql e c|ys|` cdeqyocq|`|b e `lgq|y c| aoql`l `|oql e
cdesbalyoyl `o echlblylo osbg|yybb= cea sl cdesqoq eleal{`bebylo al cqyl
osbg|yoq o di`bgoblb al eqylbelyl cdyls{|e~qdoyl o i|e|`|b so| el`|oylo
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i|e|yb`dy osbg|yoql%
yl~b`blylo yl{yl~beq alsfoclylo {leqy| vbbqdy o cdeqyocq|`|b aoqdybq
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e|`bqoqlo cdeqyocq|` al osbg|yoyl lsql e|` oq|ecb cea l` o fdsq echlboq fy
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cdeqyocqo, aoc e| lsql alc`oyoq elco{oib` al `lgl% Beco{oib`b al o cdeqyocqo,
cdefdyj {ylvlalyb dy Cda|`|b Cbvb` YJ, s|eq> jbedybb, beqly~bbb
n|alcqdylqb b, e glelyl, qdb clb cydy `lglo `l*o beqly~bs dybcoyl
cdeqyocqoyl% Jbedybb beqyl ?1*?8 oeb o| co{ocbqoql ylsqyes b {dq bechlbo ocql
n|ybabcl {lysdeo`l, aoy e|job c| ocdya|` {oybeql`|b so| o o|qdybqbb q|ql`oyl=so| e co~|` cea cdesbjjbeq|` e| lsql vo`oib`, oabc aoc lsql aoq {ybe
lydoyl, sj|`s {ybe vbd`le so| s|y{ybes {ybe ad`= so| e co~|` cea co|~o
cdeqyocq|`|b lsql b`bcbq, oabc oq|ecb cea l` s*o echlboq c| eco`coylo dyabebb
{|i`bcl so| o ylg|`ojleql`dy `lgo`l cl s|{yovlghlo~o ocqbvbqoqlo al
osbg|yoyl"% e {ybecb{b|, ylg|`o {ybecb{o` coyl g|vlyelo~ e|`bqoqlo lsql c
cdeqyocq|` `dvbq al e|`bqoql sl cdesbaly c e| o fdsq echlboq, boy c`o|~o`dvbq al e|`bqoql sl cdesbaly c e| o fdsq sqoib`bq, c| o`ql c|vbeql,
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e|`bqoqlo cdeqyocq|`|b al osbg|yoyl d{lylo~ b {leqy| qylc|q, e| e|job {leqy|
vbbqdy oo c|j lsql e co~|` {leqy| ale|eoyl b yl~b`blyl% Lo yloa|cl {l
cdeqyocqoeb `o sbq|obo n|ybabc ov|q `o aoqo echlblybb osbg|yybb,
{ydclaea|*sl `o ylsqbq|bylo ylcb{ydc o {ylsqobb`dy lflcq|oql%
eqyliyb al vlybfbcoyl
?% Alfbebbo cdeqyocq|`|b al osbg|yoyl4
9% E|jbb coyocqlyl`l n|ybabcl o`l cdeqyocq|`|b al osbg|yoyl%
3% Lx{`bcob coyocqly|` al oal~b|el o cdeqyocq|`|b al osbg|yoyl%
1% Coyl s|eq qb{|yb`l al cdeqyocql al osbg|yoyl4
o" `lgbs`obo e vbgdoyl=
i" {d`bo al osbg|yoyl yljbs=c" {ybjo al osbg|yoyl ecosoq, a|{ coyl sl yljbql {d`bo al osbg|yoyl%
Qlsq|` ey% 9
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i" beabcoq e {d`bo al osbg|yoyl, a|{ lx{byoylo oclsqdy qlyjlel l` lsql
elvo`oib`=c" el`bjbqoq al ebcb |e focqdy%
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Qlsq|` ey% 3
Coyl abeqyl |yjqdoyl`l os{lcql n|ybabcl o{oybe cdeqyocq|`|b al osbg|yoyl4
o" {ybecb{b|` als{g|ibybb=
i" coyocqly|` sbeo`ogjoqbc=
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?% o-a-l-f=
9% i-a-f=
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Qlsq|` ey% 1
Coyl s|eq cdeabbb`l al vo`babqoql o`l |e|b cdeqyocq al osbg|yoyl4
o" {yb`l s obi co{ocbqoql al o cdeqyocqo=
i" co|~o cdeqyocq|`|b s fbl b`bcbq=
c" s obi |e diblcq alqlyjbeoeq so| alqlyjbeoib`=
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{ylv~|ql al `lgl=i" {yb`l cdeqyocqoeql b os|j di`bgobb ylcb{ydcl b beqlyal{lealeql=
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c" {yb`l c|edsc, ec al `o echlblylo `|b, lxbsqleo ovoeqonl`dy joqlybo`l b
ielqb cl yl~|`q a|{ {yda|clylo lvlebjleq|`|b osbg|yoq=
a" vo`oib bqoqlo cdeqyocq|`|b ecl{l abe jdjleq|` e coyl {yb`l b*o| lx{ybjoq
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Qlsq|` ey% 6
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Qlsq|` ey% 7
e co~|` osbg|yyb`dy al i|e|yb, s|jo osbg|yoq e| {doql s al{losc
vo`doylo ylo` o i|e|`|b `o aoqo osbg|yybb (vo`doylo al osbg|yoyl"% (oalvyoq so|
fo`s"
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[ybjo qdqo`>
o" lsql clo coyl lsql {`qbq al osbg|yoq b yl~|`q abe oa|eoylo {ybjlb elql c|
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i" lsql {oyqlo abe vo`doylo al osbg|yoyl {leqy| coyl osbg|yqdy|` b os|j
ys{|ealylo e co~|` {yda|clybb fledjle|`|b (lvlebjleq|`|b" {leqy| coyl s*o
echlboq osbg|yoylo%
c" lsql cdesbalyoq co yl{yl~leqea joxbj|j al {og|i {ylvb~bib` {leqy| i|e|`
yls{lcqbv%
Qlsq|` ey% 2
E|jbb l`ljleql`l di`bgoqdybb o`l cdeqyocq|`|b al osbg|yoyl>
Qlsq|` ey% ?;
Cdeqyocq|` al osbg|yoyl lsql>o" ocq|` n|ybabc {ybe coyl osbg|yoq|` sl di`bg s {`qlosc osbg|yqdy|`|b {ybjo al
osbg|yoyl, boy oclsqo sl di`bg s {`qlosc, `o {yda|clylo ybsc|`|b osbg|yoq,
osbg|yoq|`|b so| |e|b qly (ilelfbcboy|`|b osbg|yybb" s|jo osbg|yoq dyb
als{g|ibylo, e `bjbql`l b e qlyjlel`l cdevlebql%
i" ocq|` n|ybabc {ybe coyl {yb`l {ylvbe |e {ydcls cl {doql s eclo{, qlyjbe |e
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991
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c" ocq|` n|ybabc {ybe coyl, ad| so| job j|`ql {lysdoel (osdcbob, {oyqbcb{oeb" sl
di`bg ylcb{ydc s |yjylosc e cdj|e scd{|yb lcdedjbcl dyb o`ql scd{|yb, fy o
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Qljo < % [ybecb{bb`l al io~ o`l osbg|yyb`dy glelyo`l
?% Cdeabbb l {leqy| lxbsqleo |e|b beqlyls osbg|yoib {leqy| osbg|yoylo i|e|yb dy%9% [ybecb{bb`l {ydqlcblb osbg|yyb`dy {yd{yblqbb%3% Cdeabbb l glelyo`l b s{lcbo`l o`l osbg|yybb foc|`qoqbvl o i|e|yb dy%
?%Cdeabbb`l {leqy| lxbsqleo |e|b beqlyls osbg|yoib` {leqy| osbg|yoyloi|e|yb`dy
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lx{|s {blyalybb, so| vo`doylo {oqybjdebo` cl {doql fb {blya|q al osbg|yoq so| ilelfbcboy, co|yjoyl o {yda|clybb lvlebjleq|`|b osbg|yoq%
Cdeabbb`l lslebo`l {leqy| lxbsqleo |e|b beqlyls osbg|yoib` s|eq> e co~|` {blyalybb so| algyoaybb i|e|`|b, osbg|yoq|` s s|flyl d ao|e cl {doql fblvo`|oq e ioeb= I|e|` jlebdeoq s cdesqbq|bl diblcq|` osbg|yybb= Osbg|yoq|` s obi |e beqlyls {oqybjdebo` c| {ybvbyl `o i|e|` osbg|yoq= o`qfl` s{|s,osbg|yoq|` s obi d yl`obl abylcq, ylc|edsc|q `lgo`, c| diblcq|` osbg|yybb, osqfl` ecq s obial s|flybq e |yjo absqy|glybb oclsq|bo%
Ylg|`o glelyo` e osbg|yyb`l al i|e|yb lsql co beqlyls|` osbg|yoib` s lxbsql oqq ejdjleq|` echlblybb osbg|yybb, cq b e jdjleq|` {yda|clybb ybsc|`|b osbg|yoq% Al ylg|`, beqlyls|`osbg|yoib` alc|ygl abe sqoq|q|` al {yd{yblqoy o` {lysdoelb coyl adylql s sl osbg|yl% es, e ofoyo
{yd{yblqoy|`|b i|e|`|b, job lxbsq b o`ql {lysdoel coyl {dq ovlo beqlyls osbg|yoib , e sbq|obb c|j oy
fb> [yd{yblqoql e cdj|e> d {lysdoe coyl albel e cdj|e c| |eo so| job j|`ql {lysdoel|e i|e so| d c`abyl oyl ayl{q|` al o osbg|yo i|e|` so| c`abylo yls{lcqbv `o eqylogo vo`doyl% [yd{yblqoql b{dqlcoq> e co~|` |e|b cdeqyocq al b{dqlc, ojil`l {yb o| beqlylsosbg|yoib`% Al dibclb, e osqfl` al co~|yb sl echlbl d osbg|yoyl e e|jl`l ojil`dy {yb% [yd{yblqoql echbyboq> chbybo|` e| lsql di`bgoq s echlbl |e cdeqyocq al osbg|yoyl,aoy aoc d focl, l` d echlbl e e|jl`l b e fd`ds|` {yd{yblqoy|`|b, el{|qea {ylqbeal ecosoyloals{g|ibybb e |yjo {yda|clybb |e|b ybsc osbg|yoq, cb adoy s {ylqbea {yd{yblqoy| |b ylsqbq|bylo
{ybjl dy al osbg|yoyl% Osbg|yoq|` s foc {oyql abe fojb bo {yd{yblqoy|`|b> {lysdoel`l abe fojb bo
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9% [ybecb{bb`l {ydqlcblb osbg|yyb`dy {yd{yblqbb
@o io~o osbg|yyb`dy sqo| |yjqdoyl`l {ybecb{bb>* |ebvlyso`bqoqlo osbg|yyb`dy, coyl cdesq e ocllo c {lysdoel`l b i|e|yb`l sl osbg|y
j{dqybvo job j|`qdy ybsc|yb, c| {`oqo ocl`dyob {ybjl al osbg|yoyl=* beqlgyo`bqoqlo osbg|yyb`dy, oabc ebvl`|` als{g|ibyb`dy sl alqlyjbe cq job o{ydo{l al
vo`doylo ylo` o i|e|yb`dy osbg|yoql, {leqy| co oclsql als{g|ibyb s {lyjbq ylfoclylo i|e|yb`dyovoyboql so| absqy|sl=* ylo`bqoqlo osbg|yyb`dy, coyl cdesq e fo{q|` c osbg|yyb`l al {lysdoel b al i|e|yb o| `o io~
aoql ylo`l, e| fbcqbvl, qljlbebc vlybfbcoql e {ylo`oib`=* osbg|yqdy|` {`qlql als{g|ibylo b s|jl`l osbg|yoql e|job {leqy| i|e|yb`l, {lysdoel`l
b ybsc|yb`l c|{ybesl e osbg|yoyl=* j|q|o`bqoqlo osbg|yyb`dy, coyl {yls|{|el lxbsqleo |elb cdj|ebqb al ybsc, cllo cl esloje
c osbg|yobb ojlebeob al ocl`lob ybsc|yb {oyqbcbq, c| {ybjl`l al osbg|yoyl {l coyl `l {`qlsc,`o cdesqbq|bylo fdea|`|b al osbg|yoyl c| coyl sl o{y beqlylsl`l `dy cdj|el% Als{g|ibyb`l bs|jl`l osbg|yoql sl ocdya e|job osbg|yob`dy coyl o| s|flybq ao|el so| coyl o| fdsq oflcqob co|yjoyl o {yda|clybb ybsc|yb`dy osbg|yoql=
* ylo`b~oylo |elb lfbcblel lcdedjbcd*sdcbo`l ybabcoql% [dqybvbq clybel`dy glsqb|ebb lcdedjbcd*fbeoecboyl, e adjleb|` osbg|yyb`dy, lsql elclsoy al o ylo`b~o b o{ylcbo lfbcbleo ocqbvbqbb alosbg|yoyl% Ocqbvbqoqlo al osbg|yyb qyli|bl osqfl` dygoeb~oq, cdea|s b ylo`b~oq ecq scdylsq|ea |edy clybel ylo`l o`l sdcblqbb, s cdeqybi|bl `o alsf|yoylo edyjo` o {ydcls|`|bal yl{yda|cbl sdcbo`, o vblbb s{bybq|o`l, `o cylqlylo {yda|s|`|b eobdeo` iy|q, o ov|blbeobdeo`l%
3% Cdeabbb`l glelyo`l b s{lcbo`l o`l osbg|yybb foc|`qoqbvl o i|e|yb`dy
Cdeabbb`l glelyo`l al osbg|yoyl foc|`qoqbv o i|e|yb`dy s|eq l`oidyoql al fblcoyl cdj{oebo
al osbg|yoyl cl oyl `bcleo l`bilyoq al Cojlyo al @bcleblyl abe Yl{|i`bco Jd`advo al o {ylsqooclsql qb{|yb al osbg|yoyl% Cdeabbb`l glelyo`l al osbg|yoyl alqlyjbe cdebe|q|` al io~, {ylc|j bjda|` al echlblyl b al lxlc|qoyl o cdeqyocql`dy al osbg|yoyl foc|`qoqbv o qb{|yb`dy b gy|{l`dy al
i|e|yb, lx{|sl `o ybsc|yb b {og|il%Osbg|yqdy|` goyoeqlo~, e io~o cdeabbb`dy glelyo`l, {lysdoel`dy adjbcb`boql {l qlybqdyb|`
Yl{|i`bcbb Jd`advo b {lsql hdqoyl`l lb, {ydqlcbl al osbg|yoyl {leqy| co~|yb`l al alqlybdyoyl so|{blyalyl al{`be (absqy|glyl o i|e|yb`dy", s|yvlebql e {lybdoao al vo`oib`bqoql o cdeqyocq|`|b alosbg|yoyl e |yjo {yda|clybb dybcy|b abe ybsc|yb`l al osbg|yoyl le|jlyoql e cdeqyocq%
e cdeabbb`l glelyo`l al osbg|yoyl foc|`qoqbv o i|e|yb`dy clqleb`dy s|eq {yl~leqoql aldibclb>* diblcq|` osbg|yybb=
* co~|yb`l al osbg|yoyl b qb{|yb`l al ybsc|yb=* `dc|` al osbg|yoyl=* s|jo al osbg|yoyl=* jdao`bqoqlo al echlblyl o cdeqyocq|`|b al osbg|yoyl=* qlyjlel`l osbg|yybb=* co`c|`|` b {`oqo {ybjlb al osbg|yoyl=* di`bgobb`l {yb dy=* jdao`bqoqlo al eqdcjbyl o ocql`dy al cdesqoqoyl o {og|ilb% Sqoib`bylo jybjbb b {`bb
als{g|ibybb al osbg|yoyl%Diblcq|` osbg|yybb yl{yl~beq qdqo`bqoqlo i|e|yb`dy cl {dq fb c|{ybesl e osbg|yoyl al cqyl
osbg|yqdyb%E| {dq fb c|{ybesl e osbg|yoyl e io~o cdeabbb`dy glelyo`l i|e|yb`l>
?% Of`oql>o" e `dc|yb alc`oyoql dfbcbo` ~del al co`ojbqoql eoq|yo`=
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i" e sqoyl ovoyboq=c" e ec{lyb`l o|xb`boyl b oelxl al |~ cd`lcqbv (cdybadoyl cdj|el, d{ydoel, |scqdybb
lqc%"%I|e|yb`l, of`oql e ec{lyb`l s|s*jlebdeoql, {dq fb c|{ybesl e osbg|yoyl e|job e io~o
|e|b cdeqyocq sl{oyoq, {ybe ochbqoylo |elb {ybjl al osbg|yoyl s|{`bjleqoyl%9% Cl`l lx{|sl aljd`ybb so| yl{oyoblb co{bqo`l, {ylc|j b cl`l c| |~|yo al {lsql 6; fo
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fdqdgyofbb, jlqo`l {ylbdosl, {blqyl {ylbdosl b sljb{ylbdosl e sqoyl al joqlybl jbelyo`, c|lxcl{bo cd`lcbb`dy coyl {dq fb osbg|yoql e io~o |e|b cdeqyocq s{lcbo`%
Osbg|yqdy|` sl di`bg, e io~o cdeqyocq|`|b al osbg|yoyl, s cdj{lesl~l, e `bjbql`l
s|jlb al osbg|yoyl, {og|io co|~oq {ybe alqlybdyoylo, absqy|glylo al{`be so| {blyalylo i|e|yb`dyosbg|yoql, e yl~|`qoq|` {yda|clybb |yjqdoyl`dy qb{|yb al ybsc|yb> becleab| alqlybdyoyl be|eaobl ocb|eb b`lgo`l o`l qlyb`dy
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Cdefdyj cdeabbb`dy glelyo`l al osbg|yoyl, `dc|` al osbg|yoyl yl{yl~beq qlybqdyb|` c|{ybese {ydqlcbo al osbg|yoyl, cdefdyj cdeabbb`dy cdeqyocq|`|b al osbg|yoyl% I|e|yb`l sl cdesbalyosbg|yoql e|job {l oaylso beabcoq e {d`bo al osbg|yoyl (c| lxcl{bo cdeqyocql`dy al osbg|yoyl o
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e {lybdoao al vo`oib`bqoql o cdeqyocq|`|b al osbg|yoyl, osbg|yoq|` oyl ayl{q|` al o jondyos|jo al osbg|yoyl {leqy| {lybdoao yjos {e `o lx{byoylo cdeqyocq|`|b, es e `bjbql`l vo`dybbylo`l b c| cdeabbo c e ~b|o echlblybb cdeqyocq|`|b s|{`bjleqoy al osbg|yoyl e| s*o {yda|s ybsc|`beabcoq e cdeqyocq%
e io~o cdeqyocq|`|b al osbg|yoyl, osbg|yqdy|` {doyq ys{|ealyl e {yd{dybo {og|ilb ylo`lb e `bjbql`l s|jlb al osbg|yoyl sqb{|`oql, beqlgyo` so| {leqy| fblcoyl diblcq al osbg|yoyl e {oyql%
Jdao`bqoqlo echlblybb cdeqyocq|`|b al osbg|yoyl% Qlyjlel`l osbg|yybb
997
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7/31/2019 ASIGURARI FINANCIARE IM
69/149
Cdeqyocq|` al osbg|yoyl sl echlbl e io~o clylybb osbg|yoq|`|b al{|sl e scybs, e coyl lsqldi`bgoq s cdj|ebcl qdoql cbyc|jsqoel`l c|edsc|ql cl oy bef`|leo {yda|clylo ybsc|`|b osbg|yoq,oclosqo ovea d esljeqoql lslebo` e sqoib`bylo gyoa|`|b al ybsc {leqy| i|e|yb`l `|oql eosbg|yoyl% Qbe|bylo so| cdj|ebcoylo al cqyl osbg|yoq o |edy aoql b cbyc|jsqoel fo`sl als{yl
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Cdefdyj cdeabbb`dy glelyo`l al osbg|yoyl, {ybjo al osbg|yoylqyli|bl {`qbq {e `o ecl{lylo osbg|yybb, aoc ocdya|` {yb`dy e|{ylvlal o`qclvo% Co`c|`|` {ybjlb al osbg|yoyl cdeqyocq|o`l sllflcq|lo~ e cdefdyjbqoql c| qoxl`l qoybfoyl sqoib`bql al cdeabbb`ls{lcbo`l, {ybe o{`bcoylo cdlfbcbleq|`|b al ybsc, e f|ecbl al qb{|` ali|e|yb b ybsc|yb al osbg|yoyl%
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