"Confessions Of A Mortgage Insider" is a riveting real estate book that peels back the layers of the mortgage industry, offering readers an inside look at the intricacies and complexities of securing a mortgage. Written by a seasoned mortgage professional with years of experience in the field, the book provides invaluable insights into the often opaque world of home financing. Through a series of candid anecdotes and firsthand accounts, readers are taken on a journey that demystifies the mortgage process, empowering them with the knowledge and understanding needed to navigate the system effectively. With clarity and precision, "Confessions Of A Mortgage Insider" delves into various aspects of the mortgage industry, from understanding credit scores and loan types to deciphering mortgage jargon and negotiating terms. The author's expertise shines through as they offer practical tips and strategies for obtaining the best possible mortgage deal, while also shedding light on common pitfalls and mistakes to avoid. Whether you're a first-time homebuyer or a seasoned investor, this book serves as an indispensable guide, equipping readers with the tools and information necessary to make informed decisions and achieve their real estate goals.

1. www.confessionsofamortgageinsider.com
Denny@confessionsofamortgageinsider.com

2. CONFESSIONS OF A
MORTGAGE INSIDER
The Highlights, Lowlights and Insights
of a Twenty-Year Mortgage Veteran
DENNY ANDREWS

3. ConfessionsofaMortgageInsider
TheHighlights,LowlightsandInsightsofaTwentyǦYearMortgageVeteran
‘’›”‹‰Š–̹ʹͲͲͺ„›‡›†”‡™•
ŽŽ”‹‰Š–•”‡•‡”˜‡†Ǥ‘’ƒ”–‘ˆ–Š‹•„‘‘ƒ›„‡”‡’”‘†— ‡†
‘”–”ƒ•‹––‡†‹ƒ›ˆ‘”‘”„›ƒ›‡ƒ•™‹–Š‘—–™”‹––‡
’‡”‹••‹‘‘ˆ–Š‡ƒ—–Š‘”Ǥ

4. Š‹•„‘‘‹•†‡†‹ ƒ–‡†–‘ǣ
›•‹•–‡””ƒ ›–Š‡„”ƒ˜‡•–‰‹”Ž ‘™ƒ†–Š‡‹•’‹”ƒ–‹‘ˆ‘”–Š‹•
„‘‘Ǥ ˆ‘–ˆ‘”Š‡” ǯ†•–‹ŽŽ„‡–Š‹‹‰ƒ„‘—–™”‹–‹‰ƒ„‘‘•‘‡†ƒ›Ǥ
› ƒ–Š‡”ǡ‡›†”‡™•ǡ–Š‡„‡•–™‡•–‡”™”‹–‡”‹–Š‡™‘”Ž†ƒ†
›„‡•–ˆ”‹‡†Ǥ
› ‘–Š‡”ǡ ‘”ƒ †”‡™•ǡ ˆƒ” ƒ† ƒ™ƒ› –Š‡ „‡•– ‘–Š‡” ‹ –Š‡
—‹˜‡”•‡ƒ†–Š‡‘•–‘—–•–ƒ†‹‰Š—ƒ„‡‹‰ ǯ˜‡‡˜‡”„‡‡Ž— ›
‡‘—‰Š–‘‘™ǡŽ‡–ƒŽ‘‡„‡”‡Žƒ–‡†–‘Ǥ
› •‹•–‡” ƒŽŽ› ƒ† „”‘–Š‡” ‘„ǡ › ‹‡ ‡• ƒ† ‡’Š‡™•ǡ ™‹–Š‘—–
–Š‡‹”Ž‘˜‡ƒ†•—’’‘”– ™‘—Ž†̵–‡˜‡„‡Š‡”‡Ž‡–ƒŽ‘‡Šƒ˜‡™”‹––‡
ƒ„‘‘Ǥ
› Ž‹‡–•ǡŠƒ›‘—ˆ‘”›‘—”•—’’‘”–ƒ†ˆ”‹‡†•Š‹’Ǥ
‘— –Š‡ ”‡ƒ†‡”•ǡ ƒ› –Š‹• •‡”˜‡ ƒ• ƒ „Ž—‡’”‹– –‘ Š‡Ž’ ›‘— ’”‘–‡ –
›‘—”•‡Žˆ ‹ †‡ƒŽ‹‰ ™‹–Š ƒ›‘‡ǡ ƒ† ‡˜‡”›‘‡ ‹ ›‘—” „—•‹‡••
–”ƒ•ƒ –‹‘•Ǥ
‹ƒŽŽ›–‘›’—„Ž‹•Š‹‰ ‘ƒ Šƒ†‡›‡‘’‡‡”ǡƒ–”‹ ‘™Ǥ

6. Contents
Chapter 1 Unbelievable......................................................................................................1
Chapter 2 College Daze.....................................................................................................5
Chapter 3 Worked.............................................................................................................15
Chapter 4 Usurious..........................................................................................................21
Chapter 5 With Friends Like This...............................................................................23
Chapter 6 Go to Your Bank..........................................................................................25
Chapter 7 The Triple Interview ....................................................................................29
Chapter 8 The Copier Guy.............................................................................................33
Chapter 9 Who Needs Leadership? ..........................................................................41
Chapter 10 Liar Loans.......................................................................................................47
Chapter 11 Time to Move On..........................................................................................51
Chapter 12 Out of the Box Thinking............................................................................55
Chapter 13 The Elephant Man.......................................................................................59
Chapter 14 The Scumbag Jump....................................................................................63
Chapter 15 Customer Experience ...............................................................................67
Chapter 16 Ameripigs .......................................................................................................73
Chapter 17 Willy...................................................................................................................79
Chapter 18 The Six-Hour Banker .................................................................................83
Chapter 19 Vampire, Clown and Spiderman ............................................................89
Chapter 20 Negative is Right.........................................................................................95
Chapter 21 A Broker Again.............................................................................................99
Chapter 22 Forget Time Management..................................................................103
Chapter 23 The Greed Alliance..................................................................................109
Chapter 24 The Human Touch....................................................................................113

7. Chapter 25 The Fleecing............................................................................................... 117
Chapter 26 Throw More Paperwork at It.............................................................. 119
Chapter 27 Giving Back................................................................................................ 123
Chapter 28 Don’t Pick Up the Phone ...................................................................... 129
Chapter 29 My Credit is Perfect.............................................................................. 133
Chapter 30 Size Can Be Misleading........................................................................ 137
Chapter 31 The Internet Explosion......................................................................... 141
Chapter 32 Useful Technologies............................................................................... 145
Chapter 33 Brownie the Rat...................................................................................... 149
Chapter 34 Zero Down.................................................................................................. 153
Chapter 35 Nostate Insurance................................................................................. 155
Chapter 36 The Half Million Hooker......................................................................... 161
Chapter 37 Getting Glasses ..................................................................................... 165
Chapter 38 You Don’t Listen...................................................................................... 171
Chapter 39 What is an Elevator Speech?............................................................ 177
Chapter 40 Come On, Honey....................................................................................... 183
Chapter 41 No Good Deed........................................................................................... 189
Chapter 42 Fraud and More Fraud.......................................................................... 197
Chapter 43 The Reckoning........................................................................................... 201
Chapter 44 Now What?................................................................................................. 209

8. 1
1
Unbelievable
– ™ƒ• ƒ –›’‹ ƒŽ „Ž—•–‡”› ‡ƒ––Ž‡ †ƒ›Ǥ ƒ‹ ’‡Ž–‡† –Š‡ ™‹†‘™•ǡ
‘Ž› –‘ „‡ ’—•Š‡† ˆ—”–Š‡” †‘™™ƒ”† „› –Š‡ ™‹†Ǥ ”‘ Š‹•
’Ž—•Š‘ˆˆ‹ ‡‹•‹†‡–Š‡–™‡–›’‡”•‘‘”–‰ƒ‰‡ ‘’ƒ›Š‡™ƒ•
”—‹‰ǡ‹ ‰ƒœ‡†„”‹‡ˆŽ›‘—––Š‡™‹†‘™ƒ†–Š‡„ƒ ƒ–‘—‰ǡ
–Š‡ •‹Ž‹‰ǡ ‘˜‡”™‡‹‰Š–ǡ ”‡†Ǧ‘•‡† Ž‡†‡” ”‡’”‡•‡–ƒ–‹˜‡ •‡ƒ–‡†
ƒ ”‘•• ˆ”‘ Š‹Ǥ Dz‡– ‡ •‡‡ ‹ˆ —†‡”•–ƒ† ›‘—ǡdz ‹  •ƒ‹†Ǥ DzŠ‡
„‘””‘™‡”†‘‡•ǯ–‡‡†ƒ†‘™’ƒ›‡–Ǥdz
DzŠƒ–ǯ•”‹‰Š–ǡdz‘—‰”‡’Ž‹‡†™‹–Š ‘ˆ‹†‡ ‡Ǥ
‹  ‘–‹—‡†ǡDz†–Š‡„‘””‘™‡”†‘‡•ǯ–‡‡†ƒ•Š”‡†‘ˆ’”‘‘ˆ
–‘˜‡”‹ˆ›‹ ‘‡ǡ‘–‡˜‡‘‡ ‡–Ǥdz
DzŠƒ–ǯ• ‘””‡ –ǡdz”‡’Ž‹‡†‘—‰Ǥ
‹  ‘–‹—‡†ǡ Dz† –Š‡ „‘””‘™‡” †‘‡•ǯ– ‡‡† ƒ› ƒ••‡–•
™Šƒ–•‘‡˜‡”ǡ ™‹–Š –Š‡ ‡š ‡’–‹‘ ‘ˆ –™‘ ‘–Šǯ• ™‘”–Š ‘ˆ ‘–ŠŽ›
’ƒ›‡–•Ǥdz
Dz‹‰Š–ƒ‰ƒ‹ǡdz‘—‰”‡’Ž‹‡†™‹–Šƒ•‹Ž‡Ǥ

9. ‘ˆ‡••‹‘•‘ˆƒ‘”–‰ƒ‰‡ •‹†‡”
2
‹ Ž‘‘‡†ƒ–‘—‰ǡƒ•Šƒ”•‡ŽŽ‹‰„Ž‘‘†‹–Š‡™ƒ–‡”‰”‹
•Ž‘™Ž› ‰”‘™‹‰ ƒ ”‘•• Š‹• ˆƒ ‡Ǥ ‹  ‰‡™ ™ƒ• ͷǯͳͲdz ƒ† ͳͺͷ
‘’ƒ – ’‘—†• Ȃ ‘–ˆƒ” ‘ˆˆ Š‹• ‘’‡–‹–‹˜‡™”‡•–Ž‹‰ ™‡‹‰Š–Ǥ ‹•
„Ž—‡‡›‡••’ƒ”Ž‡†ƒ•Š‹•‹†”ƒ ‡†™‹–Š–Š‡’‘••‹„‹Ž‹–‹‡•Ǥ ˆ–Š‹•™ƒ•
–”—‡ǡŠ‡ ‘—Ž†”‡ƒŽŽ›Š‡Ž’ƒŽ‘–‘ˆ’‡‘’Ž‡–Šƒ–•‘”‡Ž›‡‡†‡†‹–Ǥ ‘™‡˜Ǧ
‡”ǡŠ‡Šƒ†Š‡ƒ”†–ƒŽŽ–ƒŽ‡•ˆ”‘Ž‡†‡””‡’•„‡ˆ‘”‡–Šƒ––—”‡†‘—––‘
„‡ „—ŽŽ•Š‹–ǡ •‘ Š‡ –—”‡† –‘ ‘—‰ ƒ† •ƒ‹†ǡ Dz ‡– ›‘—” „‘•• ‘ –Š‡
’Š‘‡Ǥ ™ƒ––‘‰‡––Š‹•ˆ”‘–Š‡Š‘”•‡ǯ•‘—–ŠǤdz
‹ †‹†ǯ–Š‘Ž†„ƒ ƒ†Ž‹–—’‘—‰ǯ•„‘••”‹‰Š–‘—–‘ˆ–Š‡‰ƒ–‡Ǥ
DzŠ‡”‡‹•‘™ƒ›‹Š‡ŽŽ›‘— ƒƒ‡–Š‹•Ž‘ƒǤƒ›ǡŠ‘Ž†‘Ǥ‡–‡
ˆ‘ —•Ǥ ™ƒ– –‘ ‰‹˜‡ ›‘— › —†‹˜‹†‡† ƒ––‡–‹‘Ǥdz ‹  ’ƒ—•‡† –‘
‰ƒ–Š‡”Š‹•–Š‘—‰Š–•Ǥ
Dz ‘™™‡Šƒ˜‡•–ƒ–‡†‹ ‘‡Ž‘ƒ•ǡ™Š‡”‡–Š‡„‘””‘™‡”ǯ•‹Ǧ
‘‡‹•Œ—•–•–ƒ–‡†‘–Š‡Ž‘ƒƒ’’Ž‹ ƒ–‹‘ǡƒ†–Šƒ–ǯ•™Šƒ–™‡—•‡–‘
“—ƒŽ‹ˆ›–Š‡„‘””‘™‡”ǡ„—––Š‡‹ ‘‡‹•‡˜‡”˜‡”‹ˆ‹‡†Ǥ
Dz† ‘™ ™‡ Šƒ˜‡ œ‡”‘Ǧ†‘™ Ž‘ƒ•ǡ ™Š‡”‡ –Š‡”‡ ‹• ƒ ˆ‹”•–
‘”–‰ƒ‰‡ƒ†•‡ ‘†‘”–‰ƒ‰‡ Ž‘•‡†–‘‰‡–Š‡”•‘‘†‘™’ƒ›‡–
‹•‡‡†‡†ˆ”‘–Š‡„‘””‘™‡”Ǥ
Dz† ‘™™‡Šƒ˜‡‘ƒ••‡–Ž‘ƒ•ǡ™Š‡”‡–Š‡•‡ŽŽ‡” ƒ’ƒ›ƒŽŽ
–Š‡ Ž‘•‹‰ ‘•–•ǡ–Š‡„‘””‘™‡”„”‹‰•‹‘–Š‹‰ƒ– Ž‘•‹‰ƒ†‘Ž›
Šƒ•–‘•Š‘™–™‘‘–Šǯ•’ƒ›‡–•‹–Š‡„ƒǤ
Dz† ‘™ ™‡ Šƒ˜‡ Œ—„‘ Ž‘ƒ• ˆ‘” Ž‘ƒ ƒ‘—–• ‘˜‡”
Ͷͳ͹ǡͲͲͲ†‘ŽŽƒ”•Ǥ
Dz—–›‘—ǯ”‡–‡ŽŽ‹‰‡–Šƒ– ƒ†‘ƒ•–ƒ–‡†‹ ‘‡ǡœ‡”‘Ǧ†‘™ǡ
‘ƒ••‡–ǡŒ—„‘Ž‘ƒ—’–‘ͳǡ͸ͲͲǡͲͲͲ†‘ŽŽƒ”•Ȃ‘‡’‘‹–•‹š‹ŽŽ‹‘ǡdz
‹ •ƒ‹†ǡ–”‡„Ž‹‰™‹–Šƒ–‹ ‹’ƒ–‹‘Ǥ
DzŠƒ–ǯ•”‹‰Š–ǡdz•ƒ‹†‘—‰ǯ•„‘••ƒ•‘—‰‘††‡†Š‹•Š‡ƒ†™‹–Šƒ
•‹Ž‡Ǥ‘—‰ ™ƒ•ƒ ‰‘‘† Ž‡†‡” ”‡’ ௅ƒ•ƒŽ‡•”‡’”‡•‡–ƒ–‹˜‡ ˆ‘” –Š‡
„ƒƒ†‹–•Ž‡†‹‰’”‘†— –•Ǥ
–™ƒ•Šƒ”†ˆ‘”Š‹–‘ ‘–ƒ‹Š‹•‡š ‹–‡‡–ƒ•Š‹•„‘†›•–ƒ”–‡†
–‘–‹‰Ž‡ǡ„—–‹ ‡’––Š‡’Š‘‡‰Ž—‡†–‘Š‹•‡ƒ”Ǥ ‡ƒ•‡†ǡDz‘™Šƒ–
†‘ ’—–‘–Š‡Ž‘ƒƒ’’Ž‹ ƒ–‹‘ǡ•‹ ‡™‡ǯ”‡‘–˜‡”‹ˆ›‹‰ƒ›–Š‹‰ǫdz

10. Šƒ’–‡”ͳǦ„‡Ž‹‡˜ƒ„Ž‡
3
Dz‡ŽŽǡdzƒ•™‡”‡†‘—‰ǯ•„‘••ǡDz•–Š‡„‘””‘™‡”Š‘™— ŠŠ‡
ƒ‡•ƒ†™”‹–‡–Šƒ–‹–Š‡‹ ‘‡•‡ –‹‘‘ˆ–Š‡Ž‘ƒƒ’’Ž‹ ƒ–‹‘Ǥ
Š‡‰‡–˜‡”‹ˆ‹ ƒ–‹‘‘ˆŠ‹•ƒ••‡–•Ǥ‡–ǯ••‡‡ǡ–Š‡‘–ŠŽ›’ƒ›‡–‘
–Š‹•‹•ƒ„‘—–ͳ͵ǡͲͲͲ†‘ŽŽƒ”•ƒ‘–Šǡ•‘–™‘‘–Š•‹•ʹ͸ǡͲͲͲ†‘ŽŽƒ”•Ǥ
‘ ǯ†˜‡”‹ˆ›͵ͲǡͲͲͲ†‘ŽŽƒ”•‹ ƒ•ŠŒ—•––‘„‡•ƒˆ‡Ǥdz
‹ •–ƒ”–‡††ƒ ‹‰ƒ†™ƒ•ƒ„‘—––‘Œ—’—’ƒ††‘™ƒ•Š‡
ƒ•‡†ǡDz‘Ž‡–‡‰‡––Š‹••–”ƒ‹‰Š–ǡ ǯƒ‹‰–™‘’‘‹–•‘–Š‹•†‡ƒŽǡ
™Š‹ Š‹•͵ʹǡͲͲͲ†‘ŽŽƒ”•ǤŠƒ–ǯ•‘”‡‘‡›–Šƒ–Š‡„—›‡”‡‡†•–‘
Šƒ˜‡‹–‘–ƒŽƒ••‡–•–‘„—›–Š‹•‘‡’‘‹–•‹š‹ŽŽ‹‘†‘ŽŽƒ”Š‘‡Ȃ
™‹–Š‘—–•Š‘™‹‰‘‡”‡† ‡–‘ˆ‹ ‘‡Ǥdz
Š‡Ž‡†‡””‡’•ƒ‹†ǡDzŠƒ–ǯ•”‹‰Š–Ǥdz‹ †”‘’’‡†–Š‡’Š‘‡ƒ†
‰‘––‘™‘”’—––‹‰–Š‡Ž‘ƒƒ’’Ž‹ ƒ–‹‘–‘‰‡–Š‡”Ǥ
Wait.Hangonaminute.Ithinkit’sonlyfairtoyouthatwestartatthe
beginning.Iwouldn’twanttogiveyouthewrongimpression…much.
Inthisbook,thenameshavebeenchangedtoprotecttheinnocent
andtheguilty.Well,cometothinkofit,justtheguilty,Idon’tremember
therebeinganyinnocent.
‡ǯŽŽ •–ƒ”– ƒ– –Š‡ „‡‰‹‹‰ǡ ™Š‹ Š ™ƒ• ƒ Ž‹––Ž‡ ‘”‡ –Šƒ ʹͲ
›‡ƒ”•ƒ‰‘ǡͳͻͺ͸ǡ™Š‡‹ ™ƒ••–‹ŽŽ‹ ‘ŽŽ‡‰‡ǡˆ‹‹•Š‹‰Š‹•ˆ‹ƒ ‡
ƒ† ‡ ‘‘‹ • †‡‰”‡‡• ƒ† Œ—•– ‰‡––‹‰ Š‹• •–ƒ”– ‹ –Š‡ ˆ‹ƒ ‹ƒŽ
•‡”˜‹ ‡•‹†—•–”›ǤǤǤ

12. 5
2
College Daze
‹  ‡–‡”‡† –Š‡ ‘ˆˆ‹ ‡ ‘ˆ –Š‡ Š‡ƒ† ‘ˆ –Š‡ • Š‘‘Žǯ• ˆ‹ƒ ‡
†‡’ƒ”–‡– ˆ‘” ƒ ‡‡–‹‰Ǥ ‘•– ‘ŽŽ‡‰‡ •–—†‡–• Šƒ–‡† –‘
‡‡–™‹–Š†‡’ƒ”–‡–Š‡ƒ†•ǡ„—–‹ †‹†ǯ–‹†Ǥ ˆƒ –ǡ
Š‡ƒ†–Š‡†‡’ƒ”–‡–Š‡ƒ†Šƒ†ƒ‰”‡ƒ–”‡Žƒ–‹‘•Š‹’ǤŠ‡’”‘ˆ‡••‘”
–—”‡†–‘‹ ƒ†ƒ•‡†ǡDz‘ǡ‹•›‘—””‡•—‡‹’‘”–ƒ––‘›‘—ǫdz‹ 
Ž‘‘‡†ƒ–Š‹™‹–ŠǡDzŠƒ––Š‡Š‡ŽŽƒ”‡›‘—–ƒŽ‹‰ƒ„‘—–ǫˆ ‘—”•‡‹–
‹•ǡdz”—‹‰–Š”‘—‰ŠŠ‹•‹†Ǥ ‡”‡’Ž‹‡†ǡDz –ǯ•˜‡”›‹’‘”–ƒ–ǡ‹ ƒ•‡
†‡ ‹†‡–‘‰‘–‘ƒ„‹‰ ‘”’‘”ƒ–‹‘™Š‡ ‰”ƒ†—ƒ–‡Ǥdz
‹ ™ƒ•ƒˆ‹ƒ ‡ƒŒ‘”ƒ†Ž‘˜‡†‹–ǤŠ‡‘Ž›”‡ƒ•‘Š‡Šƒ†
‹‘”‡† ‹ ‡ ‘‘‹ • ™ƒ• „‡ ƒ—•‡ ‹– ™‡– ”‹‰Š– ƒŽ‘‰ ™‹–Š Š‹•
ˆ‹ƒ ‡ƒŒ‘”ƒ†‘Ž›”‡“—‹”‡†ƒ ‘—’Ž‡‘ˆ‡š–”ƒ Žƒ••‡•ǤŠ‡ˆ‹ƒ ‡
’”‘ˆ‡••‘”ǡ™Š‘™ƒ•ƒŽ•‘ Šƒ‹”ƒ‘ˆ–Š‡†‡’ƒ”–‡–ǡ–—”‡†–‘Š‹
ƒ† •ƒ‹†ǡ Dzƒ›ǡ –Š‡Ǥ ‡”‡ǯ• ™Šƒ– ™‡ ƒ †‘Ǥ ‘™ ›‘— ™‘—Ž†
”ƒ–Š‡” ‘– –—–‘” –Š‹• ‡ ‘‘‹ • ‘—”•‡ ˆ‘” ‡ǡ ‡•’‡ ‹ƒŽŽ› ƒ– ƒ ͳͲͳ
Ž‡˜‡Žǡ„—– ǯ•–— ƒ† ‡‡†›‘—”Š‡Ž’Ǥ

13. ‘ˆ‡••‹‘•‘ˆƒ‘”–‰ƒ‰‡ •‹†‡”
6
Dz ˆ ›‘—ǯŽŽ –—–‘” –Š‹• ™‡‡Ž› Žƒ•• ˆ‘” ‡ǡ ǯŽŽ •‹‰ •—„•–‹–—–‹‘
ˆ‘”••‘–Šƒ––Š‡Žƒ•–ˆ‘—”ˆ‹ƒ ‡ Žƒ••‡•›‘—–‘‘™‹ŽŽƒŽ•‘ƒ’’Ž›–‘
ƒ‡ ‘‘‹ •†‡‰”‡‡Ǥ —•––—–‘”–Š‹•‘‡ Žƒ••ƒ†™Š‡›‘—‰”ƒ†—ƒ–‡
‡š–›‡ƒ”ǡ‹–™‘ǯ–„‡™‹–ŠƒƒŒ‘”‹ˆ‹ƒ ‡ƒ†ƒ‹‘”‹‡ ‘‘Ǧ
‹ •Ǣ‹–™‹ŽŽ„‡™‹–ŠƒƒŒ‘”‹ˆ‹ƒ ‡ƒ†ƒ†—ƒŽƒŒ‘”‹‡ ‘‘‹ •ǡ
‘’Ž‡–‡† ‹ ˆ‘—” ›‡ƒ”•Ǥ ‘™ †‘ ›‘— –Š‹ –Šƒ– ™‹ŽŽ Ž‘‘ ‘ ›‘—”
”‡•—‡ǫdz ‹  –‘‘ –Š‡ †‡ƒŽǤ – ™‘—Ž† Šƒ˜‡ „‡‡ ˆ‘‘Ž‹•Š –‘ Šƒ˜‡
–—”‡†‹–†‘™Ǥ
‹  †‹†ǯ– ‘’Ž‡–‡Ž› †‹•Ž‹‡ ‡ ‘‘‹ •Ǥ • ƒ ƒ––‡” ‘ˆ ˆƒ –ǡ
•‘‡‘ˆ–Š‡„‡•––‹‡•‘ˆ‹ ǯ•Ž‹ˆ‡”‡•—Ž–‡†ˆ”‘ƒ‡’‹’Šƒ›Š‡Šƒ†
†—”‹‰ƒ‡ ‘‘‹ • Žƒ••ǤŠ‡’”‘ˆ‡••‘”™ƒ• ‘˜‡”‹‰ ‘•–„‡‡ˆ‹–
ƒ†„‡•– ƒ•‡ǡ™‘”•‡ ƒ•‡ƒƒŽ›•‹•™Š‡‹– ƒ‡–‘ƒ‹‰‡ ‘‘‹
†‡ ‹•‹‘•Ǥ—”‹‰–Šƒ– Žƒ••ǡƒŽ‹‰Š–™‡–‘ˆˆ‹‹ ǯ•Š‡ƒ†ǡƒŽ‘‰™‹–Š
ƒ‡ƒ”–‘‡ƒ”‰”‹ƒ ”‘••Š‹•ˆƒ ‡Ǥ ‡ ‘—Ž†ǯ–™ƒ‹–ˆ‘”–Š‡ Žƒ••–‘‡†
•‘ Š‡ ‘—Ž† ”—•Š „ƒ  –‘ Š‹• ƒ’ƒ”–‡– ƒ† –ƒŽ –‘ Š‹• ”‘‘ƒ–‡•
ƒ„‘—–Š‹•Žƒ–‡•–„”ƒ‹•–‘”Ǥ
‹ ǯ• ”‘‘ƒ–‡• ™‡”‡ ‘”‡ Ž‹‡ „”‘–Š‡”• –‘ Š‹ǡ ƒ• –Š‡›ǯ†
„‡‡„‡•–ˆ”‹‡†••‹ ‡–Š‡›™‡”‡ƒŽŽ‹–Š‡•‹š–Š‰”ƒ†‡Ǥ‡‘’Ž‡Šƒ†
–‘Ž† Š‹ ‘– –‘ ”‘‘™‹–Š Š‹• „‡•– ˆ”‹‡†•ǤŠ‡› •ƒ‹† ‹– ‘—Ž† ”—‹
–Š‡‹”ˆ”‹‡†•Š‹’ǡ„—–ƒ•—•—ƒŽǡ‹ ’ƒ‹†‘ƒ––‡–‹‘–‘™Šƒ–’‡‘’Ž‡
•ƒ‹†Ǥ ‡”ƒ ‡†„ƒ –‘–Š‡ƒ’ƒ”–‡–Ǥ‡ŽŽǡ‹–™ƒ•ǯ–”‡ƒŽŽ›ƒƒ’ƒ”–Ǧ
‡–Ȃ‹–™ƒ•„‡––‡”Ǥ –™ƒ•–Š‡ ‡–‡”—‹–‹ƒƒ’ƒ”–‡– ‘’Ž‡šǤ
–Šƒ†„‡‡ ‘˜‡”–‡†ˆ”‘–Š‡”‡ ”‡ƒ–‹‘ ‡–‡”Ǥ –Šƒ†–Š”‡‡„‡†Ǧ
”‘‘•ǡ ƒ Žƒ”‰‡ Ž‹˜‹‰ ”‘‘ǡ ‹– Š‡ǡ ˆ‹”‡’Žƒ ‡ǡ ˆ”‘– †‘‘”ǡ •‹†‡ †‘‘”
–Šƒ–‡š‹–‡†ˆ”‘‹ ǯ•”‘‘ƒ†ƒŠ—‰‡•Ž‹†‹‰‰Žƒ••†‘‘”–Šƒ–‡š‹–‡†
‘—––‘–Š‡ ‘—”–›ƒ”†Ǥ
‹  ‰”ƒ„„‡† Š‹• –™‘ ”‘‘ƒ–‡• ™‹–Š ‡š ‹–‡‡– ƒ† ‡–Š—Ǧ
•‹ƒ• ƒ† •‡ƒ–‡† –Š‡ ƒ”‘—† –Š‡ ‹– Š‡ –ƒ„Ž‡Ǥ ‡ –‘‘ –Š‡ ˆŽ‘‘”
‹‡†‹ƒ–‡Ž›ǡ Dzƒ›ǥ Œ—•– •–—†‹‡† „‡•– ƒ•‡ǡ ™‘”•– ƒ•‡ †‡ ‹•‹‘Ǧ
ƒ‹‰‹‡ ‘‘‹ •ƒ†‰‘–ƒ„”‹ŽŽ‹ƒ–‹†‡ƒǤ‡ǯ”‡‰‘‹‰–‘„—›ƒ‡‰
ƒ†Šƒ˜‡ƒǮ‰‹”Ž•†”‹ˆ”‡‡ǯ’ƒ”–›Ǥ‡ǯŽŽ Šƒ”‰‡–Š‡‰—›•–Š”‡‡†‘ŽŽƒ”•

14. Šƒ’–‡”ʹǦ‘ŽŽ‡‰‡ƒœ‡
7
‹•–‡ƒ†‘ˆ–Š‡—•—ƒŽ–™‘ƒ†–‡ŽŽ–Š‡–Š‡›Šƒ˜‡–‘„‡‰‡–Ž‡‡ƒ†
’ƒ›ˆ‘”–Š‡‰‹”Ž•ǯ†”‹•Ǥdz
Dz‡•– ƒ•‡ǣ ˆ™‡‘Ž›Šƒ˜‡‰‹”Ž••Š‘™—’ǡ™‡ǯŽŽ‡ƒ––Š‡͵ͷ†‘ŽŽƒ”•
ˆ‘”–Š‡‡‰ƒ†‰‡–†”—™‹–Šƒ„— Š‘ˆ ‘ŽŽ‡‰‡‰‹”Ž•Ǥ‘”•– ƒ•‡ǣ ˆ
‘Ž›‰—›••Š‘™—’ǡ–Š‡›ǯŽŽƒŽŽ’ƒ›–Š”‡‡†‘ŽŽƒ”•ƒ†™‡ǯŽŽƒ‡•‘‡
‘‡›Ǥdz
‹ ǯ•”‘‘ƒ–‡• ƒ—‰Š–‘”‹‰Š–ƒ™ƒ›ƒ†–Š‡›™‡”‡‹ǤŠ‡›
•’”‡ƒ†–Š‡™‘”†ƒ”‘—† ƒ’—•–Šƒ––Š‡’ƒ”–›™‘—Ž†„‡ ”‹†ƒ›ǡŒ—•–
ƒ ‘—’Ž‡‘ˆ†ƒ›•ƒ™ƒ›Ǥ
Š‡’ƒ”–›™ƒ•Š—‰‡Ǥ –™ƒ••— Šƒ„Ž‘™‘—–ǡ‹ˆƒ –ǡ–Šƒ––Š‡›Šƒ†
–‘•‡†•‘‡‘‡–‘‰‡–ƒ‘–Š‡”‡‰ˆ‘—”†‹ˆˆ‡”‡––‹‡•†—”‹‰–Š‡
‹‰Š–Ǥ Š‡‡š–‘”‹‰ǡ –Š‡ –Š”‡‡ „Ž—””›Ǧ‡›‡†ǡ•‹Ž‹‰”‘‘ƒ–‡•
ˆƒ ‡†‡ƒ Š‘–Š‡”‹–Š‡Ž‹˜‹‰”‘‘ǡ–Š‹‹‰Š‘™’‡”ˆ‡ –Ž›‡˜‡”›–Š‹‰
Šƒ† ‰‘‡ ௅ ™‹–Š‘—– ‡˜‡ ‘‡ Š‹– ŠǤ Š‡‹” •‹Ž‡• ˆƒ†‡† “—‹ Ž›ǡ
–Š‘—‰Šǡ ™Š‡ ‹  Ž‹ˆ–‡† Š‹• ˆ‘‘– ƒ† •–‘’‡† †‘™ ‘ –Š‡‹” •Šƒ‰
ƒ”’‡–ǡ ”‡ƒ–‹‰ ƒ ™ƒ˜‡ ‘ˆ „‡‡” –Šƒ– •’Žƒ•Š‡† —’ ƒ† ‘˜‡”‡† –Š‡‹”
ˆ‡‡–ƒ†•Š‹•Ǥ—”‡ǡ–Š‡›ǯ†ƒ†‡‘‡›ǡ‡˜‡ƒˆ–‡”’ƒ›‹‰ˆ‘”ˆ‹˜‡
‡‰•ǤŠ‡’”‘„Ž‡™ƒ•–Šƒ––Š‡›Šƒ†–‘•’‡†–Š‡‹”ƒŽŽ–Š‡‹”’”‘ˆ‹–•–‘
”‡– ƒ”’‡– Ž‡ƒ‡”• ƒ† –Š‡ •’‡† ƒŽŽ –Š‡ ”‡•– ‘ˆ –Š‡‹” ™‡‡‡†
‰‡––‹‰–Š‡ ƒ”’‡––‘‘–•“—‹•Š™Š‡™ƒŽ‡†‘‘”•‡ŽŽŽ‹‡•–ƒŽ‡
„‡‡”Ǥ ƒ‡•ƒ†‹ ƒ’’”‘ƒ Š‡† ƒ’—•‘†ƒ›‘”‹‰™‹–Š–Š‡‹”
‹†•ƒ†‡—’Ǥ‘‘”‡’ƒ”–‹‡•Ǥ
Š‡ǡ•‘‡–Š‹‰ƒ‰‹ ƒŽŠƒ’’‡‡†ǤŠ‡‘‡––Š‡›•–‡’’‡†
‘–‘ ƒ’—• ƒ† –Š‡ ™Š‘Ž‡ –‹‡ –Š‡› ™ƒŽ‡† –‘ –Š‡‹” Žƒ••”‘‘•ǡ
‰‹”Ž• ƒ‡ ‘—– ‘ˆ –Š‡ ™‘‘†™‘”ǡ Ž‹–‡”ƒŽŽ›Ǥ Š‡› ™‡”‡ •‹––‹‰ ‘
„‡ Š‡•ǡ”‹†‹‰„›‘„‹‡•ǡ ‘‹‰‘—–ˆ”‘„‡Š‹†–”‡‡•ǤDz ‹‹ Ǥ
‹ ƒ‡•ǡdz–Š‡›•ƒ‹†™‹–Š —–‡Ž‹––Ž‡•‹Ž‡•ƒ†™ƒ˜‡•Ǥˆ–‡”ƒ„‘—––Š‡
–™‡–‹‡–Š”‘ Ǧ•–ƒ”–›’‡‰”‡‡–‹‰ǡ‹ •Ž›Ž›–—”‡†–‘ ƒ‡•ǡŽ‘‘‹‰
‘–Œ—•–Ž‹‡–Š‡ ƒ––Šƒ–Šƒ†‡ƒ–‡–Š‡ ƒƒ”›ǡ„—–‘”‡Ž‹‡ƒ ƒ––Šƒ–
™ƒ•ƒ„‘—––‘„‡’—–‹ Šƒ”‰‡‘ˆƒ‡–‹”‡ ƒƒ”›”ƒ Šƒ†ƒ•‡†
™‹–Šƒ•Ž›’Ž‡ƒ†‹‰‰”‹ǡDz —•–‘‡‘”‡’ƒ”–›ǫdz

15. ‘ˆ‡••‹‘•‘ˆƒ‘”–‰ƒ‰‡ •‹†‡”
8
‘™ǡ ‹ ™ƒ• ƒ ’”‡––› •Šƒ”’ ‰—›ǡ ‡•’‡ ‹ƒŽŽ›™Š‡ ‹– ƒ‡ –‘
•‘‡–Š‹‰ Š‡ ™ƒ• ’ƒ••‹‘ƒ–‡ ƒ„‘—–Ǥ ‘ ˆ‘” –Š‡‹” ˆ—–—”‡ ’ƒ”–‹‡•ǡ Š‡
ƒ‡—’™‹–Šƒˆ‡™‰”‘—†”—Ž‡•ǣ‡ǡ‰‹”Ž• ‘—Ž†ƒŽ™ƒ›•™ƒŽ”‹‰Š–
‹–‘–Š‡’ƒ”–›™‹–Š‘—–™ƒ‹–‹‰‹Ž‹‡Ǥ™‘ǡ–Š‡›™‘—Ž†‡‡’–Š‡”ƒ–‹‘
ƒ• Ž‘•‡ƒ•’‘••‹„Ž‡–‘‘”‡‰‹”Ž•–Šƒ‰—›•ǡ‡˜‡‹ˆ‹–‡ƒ––Šƒ–‰—›•
Šƒ† –‘ ™ƒ‹– ‹ Ž‹‡ ‘—–•‹†‡Ǥ Š‡ –Š‹”†ǡ ƒ† ‘•– ‹’‘”–ƒ–ǡ ”—Ž‡ǡ
‡•’‡ ‹ƒŽŽ›–‘‹ ǡ™ƒ•–Šƒ–‡˜‡”›‰‹”Ž™Š‘ ƒ‡–‘–Š‡’ƒ”–›Šƒ†–‘
ˆ‹† ‹  ƒ† ‹–”‘†— ‡ Š‡”•‡Žˆ „‡ˆ‘”‡ •Š‡ ‘—Ž† ‰‡– ƒ ˆ”‡‡ —’ –‘
†”‹ˆ”‘ˆ‘”–Š‡‹‰Š–Ǥˆ–‡”ƒ™‡‡‘”–™‘ǡ–Š‹••Ž‘™Ž›‘”’Š‡†
‹–‘ Dz –”‘†— ‡ ›‘—”•‡Žˆ –‘ ‹  and ‰‹˜‡ Š‹ ƒ ‹•• ‘ –Š‡ Š‡‡
„‡ˆ‘”‡›‘—‰‡–›‘—”ˆ”‡‡ —’Ǥdz
Š‹•’ƒ‹†‘ˆˆ‹™ƒ›•‹ ‡˜‡”™‘—Ž†Šƒ˜‡‹ƒ‰‹‡†Ǥ‘— Š
–Šƒ– ‹•–‡ƒ† ‘ˆ Œ—•– ‘‡ ‘”‡ ’ƒ”–›ǡ ‹  ƒ† Š‹• ”‘‘ƒ–‡• Š‡Ž†
–Š‡‹”’ƒ”–›‡˜‡”› ”‹†ƒ›‹‰Š–ȋƒ†‹–‘‡ƒ”Ž›ƒ–—”†ƒ›‘”‹‰Ȍˆ‘”
–‡™‡‡•‹ƒ”‘™ǡƒŽŽ–Š‡™ƒ›–Š”‘—‰Š–Š‡ˆƒŽŽ“—ƒ”–‡”ǤŠǡ™Š‡”‡†‹†
–Šƒ–“—ƒ”–‡”‰‘ǫ
Š‡ ’ƒ”–‹‡• ™‡”‡ •‘ ’‘’—Žƒ” –Šƒ– ™Š‡ –Š‡ ”‘‘ƒ–‡• †‹†ǯ–
Šƒ˜‡ƒ’ƒ”–›‘–Š‡Žƒ•– ”‹†ƒ›‘ˆ–Š‡“—ƒ”–‡”„‡ ƒ—•‡–Š‡›‡‡†‡†–‘
•–—†› ˆ‘” ˆ‹ƒŽ•ǡ –Š‡› •’‡– ‘•– ‘ˆ –Š‡ ‹‰Š– –—”‹‰ †‹•ƒ’’‘‹–‡†
’‡‘’Ž‡ƒ™ƒ›ǡ‘ˆ–‡Š‡ƒ”‹‰ǡDzˆƒŽŽ–Š‡–‹‡•™‡‡‡†ƒ’ƒ”–›ǡ‹–ǯ•‘™ǡ
”‹‰Š–„‡ˆ‘”‡ˆ‹ƒŽ•Ǥdz‡ƒƒœ‹‰ˆƒ –ǡˆ‘”ƒ•„‹‰ƒ†’‘’—Žƒ”ƒ•–Š‡•‡
’ƒ”–‹‡•™‡”‡ǡ–Š‡”‡™‡”‡˜‡”›ˆ‡™’”‘„Ž‡•Ǥ
ˆ ‘—”•‡ǡ‹ Šƒ†ƒŽŽ–Š‡„ƒ•‡• ‘˜‡”‡†Ǥ ‡Šƒ†‹–•‡–—’•‘–Š‡
ƒ’ƒ”–‡–ƒƒ‰‡”Šƒ†ƒ’‹– Š‡”‘ˆ„‡‡”†‡Ž‹˜‡”‡†–‘Š‹‡˜‡”›Š‘—”
ƒ•Ž‘‰ƒ•–Š‡’ƒ”–›™‡–‘‘”—–‹Ž–Š‡ƒ’ƒ”–‡–ƒƒ‰‡”’ƒ••‡†
‘—–ǡ™Š‹ Š‡˜‡” ƒ‡ˆ‹”•–Ǥ
‘–Š‡”„‡‡ˆ‹––Š‡ƒ’ƒ”–‡–ƒƒ‰‡”Šƒ†™ƒ•–Šƒ–‹ ’—”Ǧ
Šƒ•‡†ƒ ‘‡” ‹ƒŽ•–ƒ†Ǧ—’˜‹†‡‘‰ƒ‡ƒ†Šƒ†‹–‹•–ƒŽŽ‡†‹–Š‡
Žƒ—†”›”‘‘Ǥ –™ƒ•ƒ‰”‡ƒ–‹†‡ƒ„‡ ƒ—•‡™Š‡‡˜‡”Š‡‘”Š‹•”‘‘Ǧ
ƒ–‡•‡‡†‡†–‘†‘Žƒ—†”›ǡ–Š‡”‡™ƒ•‘• ”‘—‰‹‰ˆ‘” Šƒ‰‡ǤŽŽ
–Š‡›Šƒ†–‘†‘™ƒ•‰”ƒ„–Š‡‡›–‘–Š‡‰ƒ‡ǡ‘’‡–Š‡ƒ Š‹‡ƒ†ǡ

16. Šƒ’–‡”ʹǦ‘ŽŽ‡‰‡ƒœ‡
9
˜‘‹ŽƒǨŠ‡›Šƒ†ƒŽŽ–Š‡“—ƒ”–‡”•–Š‡›‡‡†‡†ǤŠ‡ƒ’ƒ”–‡–ƒƒ‰‡”
Ž‘˜‡†’Žƒ›‹‰–Š‹•‰ƒ‡ǡ•‘‹ ƒ†‡ƒ†‡ƒŽ™‹–ŠŠ‹ˆ‘”Ž‘‘‹‰–Š‡
‘–Š‡”™ƒ›‡˜‡”› ”‹†ƒ›‹‰Š–Ǥ‹ –‘Ž†Š‹–‘’—–ƒ„‹‰”‡†Dzdz‘–Š‡
“—ƒ”–‡”•Š‡—•‡†™Š‡Š‡’Žƒ›‡†–Š‡˜‹†‡‘‰ƒ‡ƒ†‹ ”‡–—”‡†
–Š‘•‡ “—ƒ”–‡”• –‘ Š‹ ƒ› –‹‡ Š‡ ™ƒ–‡† –Š‡Ǥ Š‹• ‡ˆˆ‡ –‹˜‡Ž›
ƒŽŽ‘™‡†–Š‡ƒƒ‰‡”–‘’Žƒ›ƒŽŽŠ‡™ƒ–‡†ˆ‘”ˆ”‡‡ǨŠ‹•™ƒ•ƒ•ƒŽŽ
•ƒ ”‹ˆ‹ ‡ „› ‹  ƒ† Š‹• ”‘‘ƒ–‡• ˆ‘” –Š‡ ƒ„‹Ž‹–› –‘ Š‘•– –Š‡‹”
™‡‡Ž›„‡‡”ƒ† ‘ –ƒ‹Ž„ƒ•Š™‹–Š‘—––Š‡ƒƒ‰‡”ǯ•‹–‡”ˆ‡”‡ ‡Ǥ
Š‡‘Ž›”‡ƒŽ‹••—‡™ƒ•–Š‡•‹œ‡‘ˆ–Š‡’ƒ”–›ǤŠ‡”‡™‘—Ž†„‡͵Ͳǡ
ͶͲȂ‡˜‡ͷͲ‰—›•™ƒ‹–‹‰‹Ž‹‡ƒ––Š‡•Ž‹†‹‰‰Žƒ••†‘‘”ǤŠ‡Ž‹‡
‡š–‡†‡†ƒŽŽ–Š‡™ƒ›‘—–‹–‘–Š‡ ‘—”–›ƒ”†™‹–Š‰—›•Œ—•–„‡‰‰‹‰–‘
’ƒ›ͷͲ’‡” ‡–‘”‡ˆ‘”„‡‡”–Šƒ–Š‡›™‘—Ž†ƒ–ƒ›‘–Š‡”’ƒ”–›‘
‘”ƒ”‘—† ƒ’—•ƒ†ƒ –—ƒŽŽ›–Šƒ‹‰‹ ƒ†Š‹•”‘‘ƒ–‡•ˆ‘”
–Š‡’”‹˜‹Ž‡‰‡–‘†‘•‘Ǥ –™ƒ•ƒƒœ‹‰–‘‘–‡Š‘™‡˜‡”›‰—›‹Ž‹‡
™ƒ•ƒŽŽ‘ˆƒ•—††‡‹ ǯ•„‡•–ˆ”‹‡†ǤDz ‡›‹ ǡ™‡Šƒ˜‡’Š‹Ž‘•‘’Š›
Žƒ••–‘‰‡–Š‡”Ǥdz”ǡDz ‡›‹ ›‘—ǯ”‡›–—–‘”‹‡ ‘ Žƒ••Ǥdz
Š‡”‡‡˜‡””‡ƒŽŽ›™ƒ•ƒ’”‘„Ž‡ǡ„—–„›–Š‡–Š‹”†’ƒ”–›ǡ‹ 
–Š‘—‰Š– ‹– ™ƒ• ƒ ‰‘‘† ‹†‡ƒ –‘ ’—– •‘‡‘‡ ƒ– –Š‡ †‘‘” ™‹–Š •‘‡
ƒ—–Š‘”‹–›Ǥ ‡‡™Œ—•––Š‡ƒˆ‘”–Š‡Œ‘„Ǥ‹ ™ƒ•–—–‘”‹‰ͶͲͲ
Ž‡˜‡Žˆ‹ƒ ‡ƒ†‹‘‡‘ˆŠ‹• Žƒ••‡•™ƒ•ƒ„”‹ ™ƒŽŽƒ‡†Ǥ ‡
™ƒ•ƒ͸ǯͶǡdzͶͲͲǦ’‘—†Žƒ•ƒ †‹ƒǡʹ͹›‡ƒ”•‘Ž†ƒ†ƒƒ‰‰”‡••‹˜‡
•–—†‡–Ǥƒ†‹ Š‹–‹–‘ˆˆ”‹‰Š–ƒ™ƒ›ƒ†„‡ ƒ‡‰‘‘†ˆ”‹‡†•Ǥ
‹  ƒŽŽ‡† Š‹• ˆ”‹‡†Ǥ Dz ‡› ǡ ‡‡† •‘‡ Š‡Ž’Ǥdz ”‡’Ž‹‡†
‹‡†‹ƒ–‡Ž›ǡ Dz—”‡ǡ ‹ Ǥ Šƒ–ǯ• —’ǫdz ‹  ‡š’Žƒ‹‡† ƒ„‘—– –Š‡
’ƒ”–‹‡•ƒ†–Š‡‹”‹ ”‡†‹„Ž‡‰”‘™–Šƒ†’‘’—Žƒ”‹–›ǤŠ‡Š‡•ƒ‹†ǡDz
Œ—•–‡‡†›‘—–‘ ‘‡ƒ†•–ƒ†ƒ––Š‡†‘‘”Ǥ ǯŽŽ‰‹˜‡›‘—ƒŽŽ–Š‡„‡‡”
›‘— ƒ†”‹ǡ ǯŽŽ’ƒ››‘—ʹͲ„— •ƒ† ̵ŽŽ‹–”‘†— ‡›‘—–‘ƒ›‰‹”Ž
›‘—™ƒ––‘‡‡–ƒ––Š‡’ƒ”–›„‡ ƒ—•‡ ǯ‘ƒˆ‹”•–Ǧƒ‡„ƒ•‹•™‹–Š
ƒŽŽ‘ˆ–Š‡Ǥdz –†‹†ǯ––ƒ‡— Š ‘˜‹ ‹‰Ǣ™ƒ•‹Ǩ
‹ Žƒ–‡”Ž‡ƒ”‡†–Šƒ––Š‡”‡ƒ•‘™ƒ•‹• Š‘‘Žƒ–ƒ‰‡ʹ͹ǡ
™Š‹ Š•‡‡‡†ƒ ‹‡––‘‹ ƒ––Š‡–‹‡ǡ™ƒ•„‡ ƒ—•‡Šƒ†•’‡–

17. ‘ˆ‡••‹‘•‘ˆƒ‘”–‰ƒ‰‡ •‹†‡”
10
‘•–‘ˆŠ‹•‡ƒ”Ž›–™‡–‹‡•ƒ•ƒ„‘†›‰—ƒ”†ˆ‘”‰ƒ‰•–‡”•Ǥ‡˜‡–—ƒŽǦ
Ž› †‡ ‹†‡† –Šƒ– Š‡ ™ƒ–‡† –‘ —•‡ Š‹• „”ƒ‹•ǡ ‘– Š‹• „”ƒ™ǡ –‘ ‰‡–
–Š”‘—‰ŠŽ‹ˆ‡ƒ†Š‡†‹•ƒ‰”‡‡†™‹–ŠƒŽ‘•–‡˜‡”›–Š‹‰Š‹•„‘••‡•†‹†ǡ
•‘Š‡™ƒ–‡†–‘‰‡–‘—–Ǥ‡š’Žƒ‹‡†–Šƒ–‹––‘‘Š‹•‘‡–‹‡–‘
‰‡–‘—–ǡ„‡ ƒ—•‡™Š‡›‘—ƒ”‡™‘”‹‰ˆ‘”–Š‡•‡‰—›•ǡ›‘—†‘ǯ–Œ—•–
™ƒŽƒ™ƒ›Ǥ ‡‡‡†‡†–‘•ƒ˜‡‡‘—‰Š‘‡›–‘„—›Š‹•™ƒ›‘—–ǡƒ†
ƒ–ʹ͹›‡ƒ”•‘Ž†ǡŠ‡ˆ‹ƒŽŽ›†‹†‹–Ǥ –†‹†ǯ–Š‹–‹ —–‹Ž— ŠŽƒ–‡”–Šƒ–
‘–‘Ž›†‹†Š‡Šƒ˜‡ƒ™‡‡Ž›’ƒ”–›–Šƒ–‡˜‡”›„‘†›–ƒŽ‡†ƒ„‘—–ƒ†
™‘—Ž† †‹‡ –‘ ‰‡– ‹–‘ǡ Š‡ ƒŽ•‘ Šƒ† ƒ ˆ‘”‡” ‰ƒ‰•–‡” „‘†›‰—ƒ”†
™ƒ– Š‹‰–Š‡†‘‘”Ǥ
Šƒˆ—ŽŽ›ǡ ‹  ‡˜‡” ‡‡†‡† ƒ›–Š‹‰ ‘”‡ ˆ”‘ ‘–Š‡”
–ŠƒŠ‹•’”‡•‡ ‡ƒ––Š‡†‘‘”Ǥ‡ŽŽǡ‡š ‡’–ˆ‘”‘‡–‹‡ǤŠ‡’ƒ”–›
™ƒ•‹‹†Ǧ•™‹‰ƒ†ƒ„‘—–͵Ͳ‰—›••–‘‘†‹Ž‹‡–‘’ƒ›–Š”‡‡†‘ŽŽƒ”•
ˆ‘”ƒ —’ƒ†–‘‰‡–‹•‹†‡–Š‡†‘‘”Ǥ—–‘ˆ‘™Š‡”‡ƒ‰—› ƒ‡”‹‰Š–
—’–‘–Š‡ˆ”‘–‘ˆ–Š‡Ž‹‡ƒ†–”‹‡†–‘™ƒŽ‹Ǥ‹ •–‘’’‡†Š‹•Š‘”–
ƒ†•ƒ‹†ǡDz ‡›ǡ–Š‡”‡ǯ•ƒŽ‹‡ˆ‘”‰—›•ƒ†ƒŽŽ–Š‡•‡‰—›•Šƒ˜‡„‡‡
™ƒ‹–‹‰ǤdzŠ‡‰—›–—”‡†–‘‹ ƒ†•ƒ‹†ǡDz‘›‘—‘™™Š‘ ƒǫdz
‹ Ž‹‡†ƒ†•ƒ‹†ǡDz‘Ǥ‘›‘—‘™™Š‘ ƒǫdzŠ‡• Š‘‘Ž“—ƒ”–‡”Ǧ
„ƒ ǡ™Š‘™ƒ•ƒŒ‡”ƒ›™ƒ›ǡ•ƒ‹†ǡDz‡ƒŠǡ ‘™™Š‘›‘—ƒ”‡ǡ„—–›
‰‹”Žˆ”‹‡†‹•‹–Š‡”‡Ǥdz
‹  •‹Ž‡† ƒ† •ƒ‹†ǡ DzŠ‡”‡ ƒ”‡ ƒ Ž‘– ‘ˆ ‰—›•ǯ ‰‹”Žˆ”‹‡†• ‹
–Š‡”‡Ǥ ǯŽŽ–‡ŽŽ›‘—™Šƒ–ǡ’ƒ›–Š‡–Š”‡‡„— •ƒ†›‘— ƒ —––Š‡Ž‹‡
ƒ†‰‘‹ǤdzŠ‡“—ƒ”–‡”„ƒ Ž‘‘‡††‘™ƒ–‹ ƒ†•ƒ‹†ǡDz ǯŒ—•–
‰‘ƒ‰‘‰‡–Š‡”ƒ†™‡ǯŽŽŽ‡ƒ˜‡Ǥdz
Dz—ŽŽ•Š‹–ǡdz•ƒ‹†‹ ǤDz‘—ǯŽŽ‰‘‹–Š‡”‡ǡˆ‹†Š‡”ǡ•Š‡ǯŽŽ‰‹˜‡›‘—
Š‡” —’ƒ†–Š‡•Š‡ǯŽŽ ‘‡‰‹˜‡‡ƒ‘–Š‡”‹••‘–Š‡ Š‡‡ƒ†
‰‡–ƒ‘–Š‡” —’ǤdzŠ‹•‰—›™ƒ•—•‡†–‘†‘‹‰™Šƒ–‡˜‡”Š‡™ƒ–‡†ǡ•‘
Š‡•–ƒ”–‡†–‘’—•Š”‹‰Š–„›‹ ƒ†™ƒŽ‹ǡƒ•–Š‘—‰Š‹ †‹†ǯ–
‡˜‡‡š‹•–Ǥ
ŽŽ‘ˆƒ•—††‡ǡ‘—–‘ˆ‘™Š‡”‡ǡ™Šƒ–Ž‘‘‡†Ž‹‡ƒ–”‡‡–”—
ƒ‡ ˆŽ›‹‰ ‘˜‡” ‹ ǯ• ”‹‰Š– •Š‘—Ž†‡”ǡ ™”ƒ’’‡† ‹–•‡Žˆ ƒ”‘—† –Š‡

18. Šƒ’–‡”ʹǦ‘ŽŽ‡‰‡ƒœ‡
11
“—ƒ”–‡”„ƒ ǯ• –Š”‘ƒ– ƒ† ‡ˆˆ‘”–Ž‡••Ž› Ž‹ˆ–‡† Š‹ ‹–‘ –Š‡ ƒ‹” ƒ†
•ƒ ‡†Š‹•Š‡ƒ†‹–‘–Š‡ ‡‹Ž‹‰ǤŠ‡ ƒ‡ƒ†‡‡’ǡ’‹••‡†Ǧ‘ˆˆ”‘ƒ”
‘ˆ–Š—†‡”ˆ”‘„‡Š‹†‹ –Šƒ–•ƒ‹†ǡDz‘—Ž‹•–‡–‘–Š‹•ƒǨdz‹ 
•’—ƒ”‘—†ǡ‘”‡•Š‘ ‡†ƒ†• ƒ”‡†–Šƒ–Š‡“—ƒ”–‡”„ƒ ǡ—–‹ŽŠ‡
•ƒ™ •–ƒ†‹‰ –Š‡”‡ ™‹–Š ƒ • ‘™ŽǤ ‹  •‹Ž‡† ƒ– ƒ† ƒ• Š‡
•—’’”‡••‡†Š‹•Žƒ—‰Š–‡”ǡ–—”‡†ƒ”‘—†ƒ†•ƒ‹†ǡDz‡ƒŠǡ–Š”‡‡†‘ŽŽƒ”•ǡ
ƒ••Š‘Ž‡ǤdzŠ‡“—ƒ”–‡”„ƒ ‹‡†‹ƒ–‡Ž›”‡ƒ Š‡†‹–‘Š‹•’‘ ‡–ƒ†
’—ŽŽ‡†‘—––Š”‡‡†‘ŽŽƒ”•ǡ–Š‡™ƒŽ‡†‹–‘–Š‡’ƒ”–›ƒˆ–‡”’Ž‡ƒ†‹‰Dz‘
Šƒ”† ˆ‡‡Ž‹‰•dz ƒ ‘—’Ž‡ ‘ˆ –‹‡•Ǥ ‘„‘†› ™ƒ–‡† ƒ› Šƒ”† ˆ‡‡Ž‹‰•
™‹–Šǡƒ†‘™ǡ™‹–Šƒ†‹ ǤŠ‡’‘Ž‹ ‡ƒŽ™ƒ›••–‘’’‡†„›ƒ–
Ž‡ƒ•–‘ ‡ƒ‹‰Š–ǡ„—–‹ ™ƒ•‘ƒˆ‹”•–Ǧƒ‡„ƒ•‹•™‹–Š–Š‡ƒ†
ƒ –—ƒŽŽ›–Š‘—‰Š––Š‡›Œ—•– ƒ‡„›–‘ Š‡ ‘—––Š‡Š‘– ‘ŽŽ‡‰‡‰‹”Ž•Ǥ
‡ˆ‘”‡ Š‡ ‡™ ‹–ǡ ‹ ǯ• ˆ‹”•– –—–‘”‹‰ Žƒ•• ™ƒ• • Š‡†—Ž‡†Ǥ –
‹†‘ˆ•— —’‘Š‹Ǥ ‹•’”‡˜‹‘—•–—–‘”‹‰‡š’‡”‹‡ ‡ ‘•‹•–‡†
‘ˆ –™‘ ‘” –Š”‡‡ •–—†‡–• ƒ– ƒ –‹‡ǡ •‹––‹‰ ƒ”‘—† ƒ –ƒ„Ž‡ ƒ•‹‰
“—‡•–‹‘•ƒ„‘—– ˆ‹ƒ ‡Ǥ Š‹• –‹‡ Š‡ ƒ’’”‘ƒ Š‡† –Š‡ ”‘‘ ‘ –Š‡
ƒ’’‘‹–‡† †ƒ–‡ǡ Ž‘‘‡† ‹ –Š‡ †‘‘” ƒ– –Š‡ Žƒ••”‘‘ ƒ†•ƒ™ ™Šƒ–
Ž‘‘‡†Ž‹‡ƒ–Š‘—•ƒ†•–—†‡–•Ǥ‹ •™ƒŽŽ‘™‡†Šƒ”†ǡ•–‡’’‡†„ƒ 
‹–‘ –Š‡ ŠƒŽŽ ƒ† Ž‘‘‡† ƒ– –Š‡ ”‘‘ —„‡”ǡ Š‘’‹‰ Š‡ Šƒ† –Š‡
™”‘‰”‘‘ǤŠ‡ Žƒ••”‘‘™ƒ••‡–—’–Š‡ƒ–‡”•–›Ž‡ƒ†•Ž‘’‡†—’ƒ–
ƒ ƒ‰Ž‡ ™‹–Š •‡ƒ–‹‰ ˆ‘” ƒ„‘—– ͺͲ –‘ ͻͲ •–—†‡–•Ǥ ‹–Š –Š‡ ™ƒ›
•–—†‡–•™‡”‡• ƒ––‡”‡†–Š”‘—‰Š‘—––Š‡”‘‘ǡ‹–Ž‘‘‡†ˆ—ŽŽǡ„—–‘Ž›
ƒ„‘—–͸Ͳ•–—†‡–•™ƒ‹–‡†ˆ‘”Š‹Ǥ
–‹ŽŽǡ–Š‡”‘‘Ž‘‘‡†ˆ—ŽŽƒ†–Š‡‘Ž›–‹‡‹ Šƒ†•’‘‡–‘ƒ
‰”‘—’Žƒ”‰‡”–Šƒ–‡™ƒ•–‘“—‹‡–†‘™ƒ†”—‡’ƒ”–›‘ˆƒ„‘—–
ʹͲͲǤ†‹–Šƒ–‹•–ƒ ‡ǡ‹ ™ƒ•ŠƒŽˆ†”—ǡ–Š‡’‘Ž‹ ‡™‡”‡‘—–
ˆ”‘–ǡƒ†•‘‡‘‡™ƒ•–Š”‘™‹‰—’‘–Š‡Žƒ™Ǥ
ˆ–‡” Š‡ ‹‰ƒ‰ƒ‹–‘ƒ‡•—”‡Š‡Šƒ†–Š‡”‹‰Š–”‘‘ǡ‹ 
™ƒŽ‡†‹–‘–Š‡”‘‘ǡŽ‘‘‡†ƒ”‘—†ǡ–‘‘ƒ†‡‡’„”‡ƒ–Šǡƒ’’”‘ƒ Š‡†
–Š‡ˆ”‘–”‘™ƒ†ƒ•‡†–Š‡’‡”•‘ Ž‘•‡•––‘Š‹ǡDzš —•‡‡ǡ™Šƒ–
Žƒ•• ‹• –Š‹•ǫdz Š‡ •–—†‡– –—”‡† –‘ ‹  ƒ† •ƒ‹†ǡ DzŠǡ –Š‹• ‹• –Š‡

19. ‘ˆ‡••‹‘•‘ˆƒ‘”–‰ƒ‰‡ •‹†‡”
12
‡ ‘‘‹ •–—–‘” Žƒ••ǡ™Š›ǫdz‹ ”‡’Ž‹‡†“—‹ Ž›ǡDzŠǡ‘”‡ƒ•‘Ǥdz ‡
–Š‡–—”‡†ƒ†”ƒˆ”‘–Š‡”‘‘‹ƒ ‘’Ž‡–‡’ƒ‹ Ǥ
Š‡‡ƒ”‡•–†‘‘”™ƒ•–Š‡‡ǯ•„ƒ–Š”‘‘Ǥ‹ ‘’‡‡†‹–ƒ†
†— ‡† ‹•‹†‡ǡ ‘Ž› –‘ ˆƒ ‡ Š‹•‡Žˆ ‹ –Š‡ Š—‰‡ ™ƒŽŽ ‹””‘”Ǥ ˆ–‡”
•–ƒ”‹‰‹–‘Š‹•‘™‡›‡•ˆ‘”ƒ™Š‹Ž‡ǡŠ‡ˆ‹ƒŽŽ›”‡ƒ Š‡††‘™ǡ–—”‡†
‘–Š‡ˆƒ— ‡–ǡˆ‹ŽŽ‡†Š‹•Šƒ†•™‹–Š™ƒ–‡”ƒ†•’Žƒ•Š‡†‹–‘–‘Š‹•ˆƒ ‡Ǥ
Dz ‡–ƒ‰”‹’ǡdzŠ‡›‡ŽŽ‡†ƒ–Š‹•‡ŽˆǤDzŽŽ–Š‘•‡’‡‘’Ž‡ƒ”‡‹–Šƒ– Žƒ••
„‡ ƒ—•‡–Š‡›ƒ”‡•–—’‹†‡”–Šƒ›‘—Ǥdzˆ–‡”ƒ„‘—––‡‹—–‡•‘ˆ–Š‹•
Dz•‡ŽˆǦ–Š‡”ƒ’›ǡdz‹ †‡ ‹†‡†–‘–ƒ‡–Š‡„—ŽŽ„›–Š‡Š‘”•ƒ†‰‘„ƒ 
–‘ˆƒ ‡–Š‡ Žƒ••”‘‘Ǥ
‹ ǯ•’Žƒ™ƒ•–‘†‘–Š‡„‡•–Œ‘„Š‡ ‘—Ž†ƒ–ƒ‹‰‡ ‘‘‹ •
‡ƒ•‹‡”–‘—†‡”•–ƒ†ǡ™Š‡‹–Š‹–Š‹ǤŠ‡›‘—‘Ž›Šƒ˜‡ƒ ‘—’Ž‡
•–—†‡–••‹––‹‰ ƒ”‘—† ƒ –ƒ„Ž‡ǡ›‘— ƒ Œ—•– –ƒ‡“—‡•–‹‘• ƒ† ‰‘
–Š”‘—‰Š –Š‡ ƒ•™‡”•Ǥ Š‡ ›‘— Šƒ˜‡ ƒ Žƒ••”‘‘ ˆ‹ŽŽ‡† ™‹–Š ͸Ͳ
•–—†‡–•ǡ›‘—‡‡†–‘Šƒ˜‡ƒ‡–‹”‡Ž›†‹ˆˆ‡”‡–’ŽƒǤ‹ Šƒ†‘–ŠǦ
‹‰‘ˆ–Š‡•‘”––Šƒ–†ƒ›ǤŽŽŠ‡Šƒ†™ƒ•ˆ”ƒœœŽ‡†‡”˜‡•ƒ†•‹‡”‹‰
’ƒ‹ ǡ•‘Š‡ˆ‹‰—”‡†Š‡ǯ†•–ƒ”–™‹–Š•‘‡–Š‹‰Š‡‡™™‡ŽŽǤ
‡™ƒŽ‡†„ƒ ‹–‘–Š‡ Žƒ••”‘‘™‹–Šƒ•— Šƒ—–Š‘”‹–›ƒ†
‘ˆ‹†‡ ‡ƒ•Š‡ ‘—Ž†—•–‡”ƒ†•–‘‘†„‡Š‹†–Š‡’‘†‹—ǡŠ‘Ž†‹‰
‘–‘ ‹– Ž‹‡ Š‡ ™ƒ• Š‘Ž†‹‰ ƒ Ž‹ˆ‡ ’”‡•‡”˜‡” ‹ •–‘”› •‡ƒ•Ǥ Dz ‡ŽŽ‘
‡˜‡”›„‘†›ǡdz Š‡ „‡‰ƒǡ Š‘’‹‰ –Š‡ •–—†‡–• ‘—Ž†ǯ– Š‡ƒ” –Š‡ –”‡Ǧ
„Ž‹‰Š‡ˆ‡Ž–‹Š‹• Š‡•–ƒ†–Š”‘ƒ–ǤDz ǯ‰‘‹‰–‘„‡›‘—”‡ ‘‘‹ •
–—–‘”–Š‹•“—ƒ”–‡”ǡ„—–„‡ˆ‘”‡™‡Œ—’”‹‰Š–‹ ™ƒ––‘ ‘˜‡”ƒˆ‡™
–‹’•‘Š‘™–‘ƒ––‡† Žƒ••‡•ƒ†•–—†›ǤŠ‹•ƒ›Š‡Ž’›‘—‡‘—‰Š–‘
™Š‡”‡•‘‡‘ˆ›‘—™‘ǯ–‡‡†–‘ ‘‡„ƒ Š‡”‡‡š–™‡‡Ǥdz‘›ǡ
†‹†Š‡Š‘’‡ƒŽ‘–‘ˆ–Š‡™‘—Ž†ǯ–„‡„ƒ –Š‡‡š–™‡‡Ǩ
Š‡‹– ƒ‡–‘Ž‡ƒ”‹‰ƒ†‰‡––‹‰–Š‡‘•–‘—–‘ˆƒ Žƒ••ƒ†
‹–•’”‘ˆ‡••‘”•ǡ‹ Šƒ†‹–†‘™–‘ƒ• ‹‡ ‡Ǥ ‡Šƒ†Ž‡ƒ”‡†–Š‹•‡ƒ”Ž›
‘ǡƒ†Š‡ ”‡†‹–‡†Š‹•’ƒ”‡–•ˆ‘”Š‹••— ‡••ǤŠ‡‹”’ƒ”–‹‰™‘”†•–‘
Š‹ƒ•Š‡Ž‡ˆ–ˆ‘” ‘ŽŽ‡‰‡Šƒ†„‡‡ǡDz ˆ›‘—’ƒ”–›ƒ†‰‡–„ƒ†‰”ƒ†‡•
ˆ‹”•–“—ƒ”–‡”ǡ›‘—™‹ŽŽ’ƒ›ˆ‘”–Š‡•‡ ‘†ǤdzŠ‘•‡™‘”†••–— ™‹–Š

20. Šƒ’–‡”ʹǦ‘ŽŽ‡‰‡ƒœ‡
13
Š‹ƒ†‹•’‹”‡†Š‹–‘ˆ‹‰—”‡‘—–Š‘™–‘†‘™‡ŽŽ‹• Š‘‘Žƒ†•–‹ŽŽ
„‡ƒ„Ž‡–‘’ƒ”–›Ǥ
‡•Šƒ”‡†Š‹•„‡•––‹’•™‹–Š–Š‡ Žƒ••ǤDzŽ™ƒ›•”‡ƒ†–Š‡ Šƒ’–‡”
‹–Š‡„‘‘„‡ˆ‘”‡–Š‡ Žƒ••™Š‡–Š‡’”‘ˆ‡••‘”‹•‰‘‹‰–‘ ‘˜‡”‹–Ǥ
‘” ‡›‘—”•‡Žˆ–‘”ƒ‹•‡›‘—”Šƒ†ƒ†ƒ•ˆ‹˜‡–‘–‡“—‡•–‹‘•‡˜‡”›
–‹‡›‘—ƒ”‡‹ƒ Žƒ••ǤŠ‹Ž‡”‡ƒ†‹‰–Š‡„‘‘ǡƒŽ™ƒ›•™”‹–‡†‘™
‘–‡•ˆ”‘–Š‡„‘‘ƒ†„‡•—”‡–‘’—––Š‡‘–‡•‹›‘—”‘™™‘”†•
•‘›‘—ǯŽŽ—†‡”•–ƒ†Ǥ‘‡› ƒ ‘’›–‡š–ˆ”‘ƒ„‘‘ǡ„—––‘’—–
‹–‹›‘—”‘™™‘”†•ǡ›‘—‡‡†–‘ ‘’”‡Š‡†‹–ǤŠ‡›‘—‰‘„ƒ 
–‘•–—†›ˆ‘”›‘—”‡šƒ•ǡ‹–™‹ŽŽŠ‡Ž’–‘”‡˜‹‡™ ‘ ‡’–•ƒ†‹ˆ‘”ƒǦ
–‹‘‹›‘—”‘™Žƒ‰—ƒ‰‡Ǥdz
‹  ‘–‹—‡†‹ˆ”‘–‘ˆ–Š‡ Žƒ••™‹–ŠŠ‹•–‘’‹ ǡDz ‘™–‘Ž‡ƒ”
‹ ƒ ‘ŽŽ‡‰‡ ƒ–‘•’Š‡”‡ǡdz —–‹Ž ˆ‹ƒŽŽ› –Š‡ Š‘—” ‘ Ž—†‡†Ǥ ˜‡
–Š‘—‰ŠŠ‡Š‘’‡†Š‹•Ž‡ –—”‡™‘—Ž†•Š”‹–Š‡•‹œ‡‘ˆ–Š‡ Žƒ••ǡ‹–Šƒ†
–Š‡‘’’‘•‹–‡‡ˆˆ‡ –Ǥ‘”†•’”‡ƒ†–Šƒ–Š‡™ƒ•ƒ‰”‡ƒ––—–‘”ƒ†•–—Ǧ
†‡–•ˆ‹ŽŽ‡†Š‹• Žƒ••”‘‘™‡‡ƒˆ–‡”™‡‡Ǥ
‹ ǯ•‡–Š‘†•‘ˆ–‡ƒ Š‹‰ǡƒŽ–Š‘—‰ŠŽ‘˜‡†„›Š‹••–—†‡–•ǡ™‡”‡
‘– ˜‡”› ’‘’—Žƒ” ™‹–Š –Š‡ ˆƒ —Ž–›Ǥ ‡ ‡šƒ’Ž‡ ‘ˆ Š‹• —’‘’—Žƒ”
–‡ƒ Š‹‰•–›Ž‡‹•–Š‡ƒƒŽ‘‰›Š‡—•‡†–‘Š‡Ž’‡˜‡”›‘‡‰‡–ƒ‰”‹’‘
–Š‡ –Š‡‘”› „‡Š‹† ƒ •—’’Ž› ƒ† †‡ƒ† —”˜‡Ǥ ‘” –Š‡ Š‘”‹œ‘–ƒŽ
ƒš‹•ǡŠ‡—•‡†–Š‡—„‡”ǡ‘”supply,‘ˆ„‡‡”• ‘•—‡†ƒ–‘‡‘ˆŠ‹•
’ƒ”–‹‡•ƒ†–Š‡˜‡”–‹ ƒŽƒš‹•™ƒ•–Š‡demand–Š‡’ƒ”–›‰—‡•–Šƒ†ˆ‘”
ƒ‘–Š‡” „‡‡”Ǥ ˜‡ –Š‘—‰Š ‘– ’‘’—Žƒ” ™‹–Š ’”‘ˆ‡••‘”•ǡ ‡˜‡”› •–—Ǧ
†‡–—†‡”•–‘‘†Š‘™‹–™‘”‡†™Š‡–Š‡›™‡”‡–ƒ‡–Š”‘—‰Š–Š‡
†‡ƒ† —”˜‡‘ˆ•‘‡‘‡ƒ–ƒ‡‰’ƒ”–›Ǥ
–ƒ”–‹‰™‹–ŠŽ‘™†‡ƒ†—’‘‡–‡”‹‰–Š‡’ƒ”–›ǡ†‡ƒ†‹Ǧ
”‡ƒ•‡•ƒˆ–‡”–Š‡ˆ‹”•–ƒ†•‡ ‘†„‡‡”•ǡƒ•–Š‡„—œœƒ† ‘ˆ‹†‡ ‡‘ˆ
–Š‡’ƒ”–›Ǧ‰‘‡”„‡‰‹•–‘‹ ”‡ƒ•‡ǤŠ‡†‡ƒ†”‡ƒ Š‡•ƒƒš‹—
ƒ•†”—‡‡••ˆ‹ƒŽŽ›„‡‰‹•–‘–ƒ‡‘˜‡”ǤŠ‡†‡ƒ† —”˜‡–Š‡
ƒ –—ƒŽŽ› †”‘’• ƒ† „‡ ‘‡• ‡‰ƒ–‹˜‡ —’‘ –Š‡ ’ƒ”–›Ǧ‰‘‡”ǯ• ‘˜‡”Ǧ
‹†—Ž‰‡ ‡ǡ•‹ ‡••ƒ†‡˜‡–—ƒŽŠƒ‰‘˜‡”ǤŠ‹•™ƒ•†‡ˆ‹‹–‡Ž›‘–

21. ‘ˆ‡••‹‘•‘ˆƒ‘”–‰ƒ‰‡ •‹†‡”
14
–Š‡‘•–ƒ ƒ†‡‹ ‘ˆ–—–‘”‹‰‡–ƒ’Š‘”•ǡ„—–‡˜‡”›•–—†‡–‹–Šƒ–
Žƒ•• Ž‡ˆ– —†‡”•–ƒ†‹‰ –Š‡ –Š‡‘”› ƒ† ‡ Šƒ‹ • ‘ˆ ƒ •—’’Ž› ƒ†
†‡ƒ† —”˜‡ǤŠ‡›ƒŽŽŽ‘˜‡†‹ ˆ‘”–‡ƒ Š‹‰‹––‘–Š‡‹•— Šƒ
ˆ—ƒ†‡‘”ƒ„Ž‡™ƒ›Ǥ‹ ‡†‡†—’’—––‹‰ƒŽ‘–‘ˆ–‹‡ƒ†™‘”
‹–‘–Š‘•‡ Žƒ••‡•–‘•’”— ‡—’ƒ”‡•—‡–Šƒ–™ƒ•‡˜‡””‡ƒŽŽ›‰‘‹‰
–‘„‡’—––‘—•‡Ǥ

22. 15
3
Worked
”ƒ†—ƒ–‹‘™ƒ•ƒ’’”‘ƒ Š‹‰ƒ†Œ‘„ˆƒ‹”•„‡‰ƒ–‘•’”‹‰—’
‘ ƒ’—•ǤŠ‡–‡”DzŒ‘„ˆƒ‹”dz‹•™Šƒ––Š‡• Š‘‘Ž ƒŽŽ‡†–Š‡
„‡ ƒ—•‡‹ˆ–Š‡›™‡”‡ ƒŽŽ‡†Dz•ƒŽ‡•’‹– Š‡•„›–”ƒ‹‡†„—ŽŽ•Š‹–
ƒ”–‹•–•ǡdz‘‘‡™‘—Ž†•Š‘™—’Ǥ‹ ™ƒŽ‡†–Š”‘—‰ŠƒŒ‘„ˆƒ‹”ˆ‡‡Ž‹‰
Ž‹‡“—‹–‡ƒŠ‘– ‘‘†‹–›™‹–Š–™‘–‘—‰Š†‡‰”‡‡•‹ˆ‘—”›‡ƒ”•ǡ‘‡
‘ˆ™Š‹ ŠŠ‡Šƒ†ƒ –—ƒŽŽ›‡ƒ”‡†Ǥ
‡ ™ƒŽ‡† ˆ”‘ „‘‘–Š –‘ „‘‘–Šǡ ƒŽ™ƒ›• ‰‡––‹‰ ”‹‰Š– –‘ –Š‡
’‘‹–ǤDzŠƒ–ǯ•–Š‡•–ƒ”–‹‰•ƒŽƒ”›ƒ†Š‘™„‹‰‹•–Š‡ ‘’ƒ›ǫ‡ŽŽ
‡ƒ„‘—–ƒ†˜ƒ ‡‡–‘’’‘”–—‹–‹‡•ǤdzŠƒ–ǯ•Š‘™Š‡‡–‘ ›Ȃ‹
ƒŒ‘„ˆƒ‹”•‡––‹‰Ǥ
ˆƒŽŽ–Š‡’‡‘’Ž‡•–ƒˆˆ‹‰–Š‡‘–Š‡”„‘‘–Š•™‡”‡„—ŽŽ•Š‹–ƒ”–‹•–•ǡ
‘ ›™ƒ•‡„”ƒ†–ǤDzŠƒ–ǯ•›‘—”•–ƒ”–‹‰•ƒŽƒ”›ǫdz™ƒ•ƒ•™‡”‡†
™‹–ŠǡDz ‘™— Š›‘—ƒ”‡™‘”–Šǫdz
Dz ‘™ „‹‰ ‹• –Š‡ ‘’ƒ›ǫdz ™ƒ• ƒ•™‡”‡† ™‹–Šǡ Dz  –Š‡ ǤǤ
‘” ™‘”Ž†™‹†‡ǫ † †‘ ›‘— ™ƒ– ‡ –‘ ‹ Ž—†‡ ƒŽŽ ‘ˆ ‘—” ƒˆˆ‹Ž‹ƒ–‡
‘’ƒ‹‡•ǫdz

23. ‘ˆ‡••‹‘•‘ˆƒ‘”–‰ƒ‰‡ •‹†‡”
16
Dz‡ŽŽ ‡ ƒ„‘—– ƒ†˜ƒ ‡‡– ‘’’‘”–—‹–‹‡•ǡdz ™ƒ• ‘˜‡”‡† „›ǡ
DzŠ‡‘’’‘”–—‹–‹‡•™‹ŽŽ„‡†‹ˆˆ‡”‡–†‡’‡†‹‰‘‹ˆ›‘—™‹ŽŽ„‡Šƒ’’›
™‹–Šƒ•‹š‘”•‡˜‡ˆ‹‰—”‡‹ ‘‡Ǥdz
‘ ›’Žƒ›‡†™‹–Š‹ Ž‹‡ƒ ƒ–’Žƒ›‹‰™‹–Šƒ„”ƒ†Ǧ‡™„ƒŽŽ
‘ˆ ›ƒ”Ǥ ‹  †‹†ǯ– ƒ†‹– ‹– ƒ– –Š‡ –‹‡ǡ „—– Š‡ ™ƒ• •‘Ž† ƒ† –Š‹•
„‡ ƒ‡Š‹•ˆ‹”•–Œ‘„‘—–‘ˆ ‘ŽŽ‡‰‡ǤŠ‡”‡ƒ•‘Š‡Šƒ†„—•–‡†Š‹•ƒ••
ˆ‘” ˆ‘—” ›‡ƒ”• –‘ Šƒ˜‡ ƒ ‰”‡ƒ– Ž‘‘‹‰ ”‡•—‡ ™ƒ• –‘ „‡ ‘‡ ƒ
•–”ƒ‹‰Š– ‘‹••‹‘•ƒŽ‡•ƒ‘ˆŽ‹ˆ‡‹•—”ƒ ‡ƒ†”‡Žƒ–‡†’”‘†— –•
Ȃ‘”ǡƒ•‘ ›’—–‹–ǡDzƒˆ‹ƒ ‹ƒŽ’Žƒ‡”Ǥdz
‘”‹ –‘‰‡–Š‹••–ƒ”–™‹–Š–Š‡ ‘’ƒ›™ƒ•‡ƒ•‹‡”–Šƒ›‘—
‹‰Š–‹ƒ‰‹‡Ǥ ‹”•–ǡƒ ‘ŽŽ‡‰‡†‡‰”‡‡™ƒ•ǯ–‡˜‡”‡“—‹”‡†Ǥ ‘™‡˜‡”ǡ
‘ ›™ƒ•‘ˆ‘‘Žƒ†™‡–ˆ‹•Š‹‰‹–Š‡’‘†™‹–Š–Š‡‘•–’‘–‡Ǧ
–‹ƒŽȂ ‘ŽŽ‡‰‡Œ‘„ˆƒ‹”•ǤŽŽ–Šƒ–™ƒ•”‡“—‹”‡†™ƒ•’ƒ••‹‰–Š‡•–ƒ–‡ǯ•
‹•—”ƒ ‡–‡•–ƒ†„‡ ‘‹‰Ž‹ ‡•‡†Ǥ
Š‹•™ƒ•ƒ ‘’Ž‡–‡Œ‘‡Ǥ ‘”†‡”–‘„‡ ‘‡Ž‹ ‡•‡†ǡ›‘—–ƒ‡
ƒ–‡•–’”‡’ ‘—”•‡–Šƒ–„ƒ•‹ ƒŽŽ› ‘˜‡”‡†ƒŽŽ–Š‡“—‡•–‹‘•‘–Š‡–‡•–Ǥ
Š‡›•‡–‹•Š‹ŽŽ•‡˜‡”›™‡‡–‘‡‘”‹œ‡–Š‡–‡•–•ǡ–Š‡’”‘˜‹†‡†
ƒŽŽ–Š‡“—‡•–‹‘•ƒ†ƒ•™‡”•ˆ”‘–Š‡’ƒ•– ‘—’Ž‡‘ˆ‘–Š•ǯ–‡•–•Ǥ
‹ Šƒ†Œ—•–‰”ƒ†—ƒ–‡†ˆ”‘ ‘ŽŽ‡‰‡ǤŠ‹•™ƒ•‘–Ž‡ƒ”‹‰ƒ•—„Œ‡ –ǡ
‹–™ƒ•Ž‡ƒ”‹‰ƒ–‡•–Ǥ†‹ ‡™–Š‡†‹ˆˆ‡”‡ ‡Ǥ
‹ ǡƒŽ‘‰™‹–Š‡˜‡”›‘‡‡Ž•‡ˆ”‘–Š‡–‡•–’”‡’ ‘—”•‡ǡ’ƒ••‡†
–Š‡–‡•–™‹–Š‡ƒ•‡ƒ†‹‡†‹ƒ–‡Ž›™‡––‘™‘”Ǥ ‡Šƒ†Š‹••—‹–•
ƒ† –‹‡•ǡ Š‹• ‹•—”ƒ ‡ Ž‹ ‡•‡ǡ „—•‹‡•• ƒ”†• –Šƒ– •ƒ‹† Dzˆ‹ƒ ‹ƒŽ
’Žƒ‡”ǡdzƒ†ƒ’”‡––›„‹‰ ‘’ƒ›–‘„ƒ Š‹Ǥ‡‡„‡”‘™ǡ–Š‹•
™ƒ••–”ƒ‹‰Š– ‘‹••‹‘Ȃ‘•ƒŽ‡•ǡ‘ Š‡ Ǥ‡Ž‹‡˜‡‹–‘”‘–ǡƒ–ʹʹ
›‡ƒ”•‘Ž†ǡ”‹‰Š–‘—–‘ˆ ‘ŽŽ‡‰‡ǡ‹–™ƒ•†‹ˆˆ‹ —Ž––‘‰‡–’‡‘’Ž‡–‘–”—•–
Š‹™‹–Š–Š‡‹” ƒ•Š‘”Ž‹ˆ‡–‹‡”‡–‹”‡‡–ƒ ‘—–•Ǩ
‹ „—•–‡†Š‹•–ƒ‹Žǡ•’‡––‹‡ƒ”‘—†–Š‡‘–Š‡”ƒ‰‡–•ǡ’ƒ‹†ƒ–Ǧ
–‡–‹‘ƒ†™‡––‘ ‘’ƒ›‡‡–‹‰•Ǥ‡‡‡–‹‰™ƒ•’ƒ”–‹ —Žƒ”Ž›
‘ˆ—•‹‰ǤŠ‡Ž‡ƒ†‡”‘ˆ–Š‡‡‡–‹‰•–‘‘†—’ƒ†•ƒ‹†ǡDzƒ›ǡ –Š‹•

24. Šƒ’–‡”͵Ǧ‘”‡†
17
‘–Š™‡ƒ”‡•‡ŽŽ‹‰ƒŽŽ‡‡ˆ‹–•‹ˆ‡’”‘†— –•ǡ•‘’—–ƒŽŽ›‘—” Ž‹‡–•
‹–‘–Šƒ–Ǥdz
‹ —†‰‡†‘ ›ƒ†•ƒ‹†ǡDzŠ›™‘—Ž†™‡†‘–Šƒ–ǫ”‡ǯ–™‡
•—’’‘•‡†–‘•Š‘’ƒ”‘—†ƒ†ˆ‹†–Š‡„‡•–‹•—”ƒ ‡’”‘†— –•ˆ‘”‘—”
Ž‹‡–•ǫdz‘ ›‰ƒ˜‡Š‹ƒ“—‹ Ž‘‘ƒ†•ƒ‹†ǡDzˆ–‡”–Š‡‡‡–‹‰Ǥdz
‘ƒˆ–‡”–Š‡‡‡–‹‰ǡ‹  ‘”‡”‡†‘ ›ƒ†•ƒ‹†ǡDzš’Žƒ‹–Š‹•
–‘ ‡Ǥdz ‘ › •ƒ– ‹  †‘™ ƒ† ‡š’Žƒ‹‡† –Š‡ ‡–‹”‡ ‹•—”ƒ ‡
‘’‡•ƒ–‹‘•–”— –—”‡‹ƒ„‘—––™‘‹—–‡•ǤDzŠ‹•‹•Š‘™™‡ƒ‡
‘‡›ǡdzŠ‡•ƒ‹†ǤDz‘—•‡ŽŽƒŽ‹ˆ‡‹•—”ƒ ‡’”‘†— –™Š‡”‡–Š‡„—›‡”ǯ•
‘–ŠŽ›’”‡‹—‹•ʹͲͲ†‘ŽŽƒ”•ǤŠƒ–ǯ•ƒʹǡͶͲͲ†‘ŽŽƒ”ƒ—ƒŽ’”‡‹—
›‘—Œ—•–•‘Ž†Ǥ•ƒƒ‰‡–ǡ›‘—‰‡–„‡–™‡‡ͳͲ’‡” ‡–ƒ†ͳͲͲ’‡” ‡–
‘ˆ–Šƒ–™Š‘Ž‡ˆ‹”•–›‡ƒ”ǯ•’”‡‹—’ƒ‹†–‘›‘——’ˆ”‘–Ǥ‘Ž‡–ǯ••ƒ››‘—
•‡ŽŽ ƒ ’‘Ž‹ › ™‹–Š ƒ ͷͲͲ †‘ŽŽƒ” ‘–ŠŽ› ’”‡‹— ™‹–Š ‘‡ ‘ˆ ‘—”
‘’ƒ‹‡•–Šƒ–Šƒ•ƒͷͲ’‡” ‡–•’Ž‹–ǤŠ‡ˆ‹”•–›‡ƒ”ǯ•’”‡‹—™‘—Ž†
„‡͸ǡͲͲͲ†‘ŽŽƒ”•ƒ†›‘—”ͷͲ’‡” ‡–™‘—Ž†„‡͵ǡͲͲͲ†‘ŽŽƒ”•Ǥ
Dz—‹–‹‡• Šƒ˜‡ –Š‡ •ƒ‡ ’ƒ›‡– •–”— –—”‡ ƒ• Ž‹ˆ‡ ‹•—”ƒ ‡
Šƒ•Ǥ –ǯ•ƒŽŽ„ƒ•‡†‘–Š‡‘–ŠŽ›’ƒ›‡––Š‡ Ž‹‡–’ƒ›•Ǥ
DzŽ—’•—†‡’‘•‹–‹•™Š‡”‡•‘‡‘‡™ƒ–•–‘†‡’‘•‹– ƒ•Šǡ
‘””‘ŽŽ‘˜‡”ǡ‘”‘˜‡‘‡›ˆ”‘–Š‡‹” —””‡– ‘’ƒ›–‘—•ǡ‘˜‡
‘” ”‘ŽŽ ‘˜‡” –‘ ƒ ‡š‹•–‹‰ ǡ ‘’ƒ› ”‡–‹”‡‡– ‘” ‘–Š‡” Žƒ”‰‡
ˆ‹ƒ ‹ƒŽƒ••‡–ǤƒŽ—’•—†‡’‘•‹–ǡ™‡ ƒ‡ƒ”„‡–™‡‡‘‡ǦŠƒŽˆ
’‡” ‡––‘ˆ‘—”’‡” ‡–‘ˆ–Š‡‡–‹”‡ƒ‘—–„‡‹‰”‘ŽŽ‡†‘˜‡”Ǥƒ
ͳͲͲǡͲͲͲ †‘ŽŽƒ” ”‘ŽŽǦ‘˜‡”ǡ –Šƒ–ǯ• „‡–™‡‡ ͷͲͲ ƒ† ͶǡͲͲͲ †‘ŽŽƒ”• ‹
‘‹••‹‘–‘›‘—Ǥdz
‹ Œ—’‡†‹ǡDzƒ› ‰‘–‹–ǡ„—–™Šƒ–ƒ„‘—–™Šƒ––Š‡›•ƒ‹†‹
–Š‡‡‡–‹‰ǫdz
‘ › ”‡’Ž‹‡†ǡ DzŠ‡ ”‡ƒ•‘ –Š‡› •ƒ‹† –‘ Œ—•– •‡ŽŽ ‡‡ˆ‹–• ‹ˆ‡
’”‘†— –•–Š‹•‘–Š‹•„‡ ƒ—•‡–Š‹•‘–Š‡‡ˆ‹–•‹ˆ‡Šƒ•”ƒ‹•‡†‹–•
‘‹••‹‘ –‘ ƒ Ž‡˜‡Ž Š‹‰Š‡” –Šƒ ƒ› ‘–Š‡” ‘’ƒ›Ǥ Š‡ ‘”‡
‡‡ˆ‹–•‹ˆ‡’”‘†— –•™‡•‡ŽŽǡ–Š‡Š‹‰Š‡”‘—” ‘‹••‹‘•ƒ† –Š‡
‘”‡‘‡›™‡ǯŽŽƒ‡Ǥdz

25. ‘ˆ‡••‹‘•‘ˆƒ‘”–‰ƒ‰‡ •‹†‡”
18
‹ ™ƒ•‰‘‹‰–‘”‡’‡ƒ–Š‹•“—‡•–‹‘ƒ„‘—–†‘‹‰™Šƒ–ǯ•”‹‰Š–
ˆ‘”–Š‡ Ž‹‡–ǡ„—–Š‡‡™Š‡ƒŽ”‡ƒ†›Šƒ†Š‹•ƒ•™‡”Ǥ‹–ŠƒŽŽ–Šƒ–
Ž‡ƒ”‡†—’ǡ‹ ™ƒ•”‡Ž— –ƒ–Ž›”‡ƒ†›–‘‰‘–‘™‘”ǡ„—–Š‡•–‹ŽŽŠƒ†
–Šƒ–Ž‹––Ž‡’”‘„Ž‡‘ˆ™Š‡”‡–‘ˆ‹† Ž‹‡–•Ǥ
‘ ›‘–‹ ‡†‹ ǯ•ˆ”—•–”ƒ–‹‘ƒ†•ƒ‹†ǡDz ‡”‡ǯ•ƒ™ƒ›–‘ƒ‡
•‘‡‘‡›Ǥ ƒ˜‡›‘—‡˜‡”Š‡ƒ”†‘ˆǯ•ǫdz‹ –Š‘—‰Š–ǡDzŠ•Š‹–ǡ
™ƒ• •—’’‘•‡† –‘ Šƒ˜‡ ”‡ƒ† ƒ„‘—– –Š‘•‡ǫdz „—– ƒ•™‡”‡†ǡ Dz‡ƒŠǡ
–Š‹ Šƒ˜‡ǡ „—– ”‡‹† ‡Ǥdz ‘ › ‡š’Žƒ‹‡† –Šƒ– ǯ• ™‡”‡ –ƒš
•Š‡Ž–‡”‡† ƒ—‹–‹‡•ǡ ƒ˜ƒ‹Žƒ„Ž‡ –‘ –‡ƒ Š‡”• ƒ† ‘•– ‰‘˜‡”‡–
™‘”‡”•Ǥ
‡Šƒ†‡†‹ ƒ–‡ƒ Š‡”ǯ•Šƒ†„‘‘ˆ”‘ƒŽ‘ ƒŽ‡Ž‡‡–ƒ”›
• Š‘‘ŽǤ – ‘–ƒ‹‡†–Š‡ƒ‡•ǡƒ††”‡••‡•ƒ†™‘”ƒ†Š‘‡’Š‘‡
—„‡”•‘ˆƒŽŽ–Š‡• Š‘‘Žǯ•–‡ƒ Š‡”•ǤDz ˆƒ›„‘†›ƒ••™Š‡”‡›‘—‰‘–
–Š‡‹”ƒ‡‘”’Š‘‡—„‡”ǡƒ‡•‘‡–Š‹‰—’ǡ„—–‡˜‡”‡–‹‘
–Šƒ–›‘—Šƒ˜‡ƒ ‘’›‘ˆ–Š‹•Šƒ†„‘‘ǡdz‘ ›•–‡”Ž›‹•–”— –‡†Ǥ
‹ Ž‘‘‡†ƒ–Š‹ƒŽ‹––Ž‡’—œœŽ‡†ǡDzŠƒ–†‘›‘—‡ƒ‹ˆƒ›Ǧ
„‘†›ƒ••ǫdz‘ ›‡š’Žƒ‹‡†ǡDz‘—‡‡†–‘ ƒŽŽ‡˜‡”›’‡”•‘‹–Š‹•
„‘‘ƒ†–”›–‘‰‡–ƒƒ’’‘‹–‡––‘‰‘‘˜‡”–Š‡‹”‹•—”ƒ ‡‡‡†•Ǥ
—•–ˆ‘ŽŽ‘™–Š‡• ”‹’–Ǥ ‘‘†Ž— Ǩdz‘ ›Šƒ†‡†Š‹ƒ’‹‡ ‡‘ˆ’ƒ’‡”Ǥ
DzŠ›‡ƒŠǡ–Š‡„‡•––‹‡–‘ ƒŽŽ‹•„‡–™‡‡ˆ‹˜‡ƒ†‡‹‰Š–ƒ–‹‰Š–Ǥdz
‹ ™ƒ•Ž‘•–Ǥ ‡–Š‘—‰Š–ǡDzŠ”‡‡‘–Š•ƒ‰‘ ™ƒ•Ž‘‘‹‰ƒ–
‘”’‘”ƒ–‡ ƒ”‡‡”•ƒ†‘™ ǯ‰‡––‹‰”‡ƒ†›–‘™‘”†—”‹‰–Š‡†ƒ›
ƒ† ‘Ž† ƒŽŽȂ ƒŽŽ’‡‘’Ž‡™Š‘†‘ǯ–™ƒ––‘„‡ ƒŽŽ‡†Ȃƒ–‹‰Š–Ǥdz
––—”‡†‘—–‹ Šƒ† ƒ—•‡–‘„‡™ƒ”›Ǥ‘Ž† ƒŽŽ‹‰™ƒ•— Š
‡ƒ•‹‡”•ƒ‹†–Šƒ†‘‡Ǥ –”‡ƒ Š‡†–Š‡’‘‹–™Š‡”‡‹ –‘‘ƒ•‹šǦ’ƒ 
‘ˆ„‡‡”™‹–ŠŠ‹–‘–Š‡‘ˆˆ‹ ‡ƒ–ˆ‹˜‡ǡ•–ƒ”–‡† ‘Ž† ƒŽŽ‹‰ƒ†‡˜‡”›
–‹‡•‘‡‘‡•ƒ‹†ǡDz ”‡™›‘—ǡ‡˜‡” ƒŽŽŠ‡”‡ƒ‰ƒ‹Ǥdz‘”DzŠ‡”‡ǯ†
›‘— ‰‡– –Š‹• —„‡”ǥǫdz ‘” ‡˜‡ǡ Dz‹‡ǡdz Š‡ –‘‘ ƒ †”‹Ǥ – †‹†ǯ–
ƒ –—ƒŽŽ›Š‡Ž’‹‰‡––‹‰ƒ’’‘‹–‡–•ǡ„—–ŠƒŽˆ™ƒ›‹–‘–Š‡ ƒŽŽ•ǡ‹ 
†‹†ǯ– ƒ”‡ ƒ• — ŠǤ ‡ Šƒ† •‘‡ •— ‡••ǡ Ž‘•‡† •‘‡ •ƒŽ‡•ǡ „—–
ˆ‘—†–Š‡™Š‘Ž‡–Š‹‰”ƒ–Š‡”†‹•‰—•–‹‰Ǥ

26. Šƒ’–‡”͵Ǧ‘”‡†
19
‹  ”‡ƒŽ‹œ‡† –Šƒ– ‡˜‡ –Š‡ ‰—›• ™Š‘ ™‡”‡ ”‡ƒŽŽ› •— ‡••ˆ—Ž
†‹†ǯ– ‘™ — Š ƒ„‘—– ˆ‹ƒ ‹ƒŽ ’Žƒ‹‰Ǥ Š‡› ™‡”‡ Œ—•– ‰”‡ƒ–
•ƒŽ‡•‡Ǥ ‡‡Ž‹‰‘––‘–ƒŽŽ›ǡ„—–ˆƒ‹”Ž›ǡ†‹•‹ŽŽ—•‹‘‡†ǡ‹ †‡ ‹†‡†–‘
–”›–‘’—–Š‹• ‘ŽŽ‡‰‡†‡‰”‡‡•–‘™‘”Ǥ ‡„‡‰ƒ–ƒŽ‹‰™‹–Š”‡’”‡Ǧ
•‡–ƒ–‹˜‡•ˆ”‘•‘‡„‹‰ ‘’ƒ‹‡•ƒ‰ƒ‹ǤŠ”‘—‰Š‹–‡”˜‹‡™•ƒ†
Ž‘‘‹‰ƒ”‘—†ǡŠ‡ˆ‘—†ƒ ‘’ƒ›–Šƒ–Ž‘‘‡†‰”‡ƒ–ǤŠ‡Œ‘„™‘—Ž†
„‡ •ƒŽƒ”› ’Ž—• ‘‹••‹‘ǡ ™‹–Š ‰‘‘† „‡‡ˆ‹–•ǡ ”‡‰—Žƒ” Š‘—”•ǡ ƒ
”‡‰—Žƒ”™‘”™‡‡ƒ†‹–‘ˆˆ‡”‡†–Š‡ƒ„‹Ž‹–›ǡ”‡ƒŽƒ„‹Ž‹–›ǡȋ‘”•‘‹ 
–Š‘—‰Š–Ȍǡ–‘Š‡Ž’’‡‘’Ž‡™‹–Š–Š‡‹”ˆ‹ƒ ‡•Ǥ‘‹ –‘‘ƒŒ‘„™‹–Š
‘‡‘ˆ–Š‡Žƒ”‰‡”ˆ‹ƒ ‡ ‘’ƒ‹‡•‹–Š‡ ‘—–”›ǡ ‘‡‰ƒ–‡ˆ‹ƒ ‡
‘’ƒ›ǡ‘” ‘‡‰ƒ–‡ˆ‘”•Š‘”–Ǥ

28. 21
4
Usurious
‹  •Š‘™‡† —’ ƒ– ‘‡‰ƒ–‡ ƒ• ‡š ‹–‡† ƒ• Š‡ǯ† ‡˜‡” „‡‡ǡ
”‡ƒ†›–‘„‡‰‹Š‹•‡™ ƒ”‡‡”ƒ†”‡ƒŽŽ›Š‡Ž’’‡‘’Ž‡Ǥ ƒŽˆǦ
™ƒ›–Š”‘—‰ŠŠ‹•–Š‹”††ƒ›–Š‡”‡ǡ•‘‡ Ž‹‡–•™‡”‡ ‘‹‰
‹–‘•‹‰–Š‡‹”Ž‘ƒǤ‹ ƒ•‡†‹ˆŠ‡ ‘—Ž†•‹–‹‘–Š‡•‹‰‹‰ǤŠ‡
ƒƒ‰‡” •ƒ‹† ‘ǡ „—– –Šƒ– Š‡ ‘—Ž† ”‡ƒ† ‘˜‡” –Š‡ Ž‘ƒ †‘ —‡–•
ƒˆ–‡”–Š‡•‹‰‹‰ǤŠ‡ Ž‹‡–• ƒ‡ƒ†™‡–ƒ†‹ ”‡ƒ†–Š‡Ž‘ƒ
†‘ —‡–•Ǥ„‘—–ˆ‹˜‡‹—–‡•‹ǡŠ‡•–‘’’‡†ǡ ‘ˆ—•‡†ǡƒ†ƒ•‡†
Š‹•ƒƒ‰‡”ǡDz‘‡–Š‹‰†‘‡•ǯ–•‡‡”‹‰Š–Š‡”‡Ǥ‘‡•–Š‹•†‘ —‡–
•ƒ›͵͵’‡” ‡–ǫdz
DzŠƒ–ǯ•”‹‰Š–ǡdz”‡•’‘†‡†–Š‡ƒ‰‡”Ǥ ‡ƒ‰ƒ‹ǡ‹ •ƒ™–Š‡
—‰Ž›—†‡”„‡ŽŽ›‘ˆƒ‘–Š‡”„—•‹‡••Ǥ ‡ƒ•‡†ǡDz‘‡•ǯ–ƒ•Š‹‰–‘
Šƒ˜‡—•—”›Žƒ™•–‘’”‘–‡ –’‡‘’Ž‡ˆ”‘”ƒ–‡•–Š‹•Š‹‰ŠǫdzŠ‡ƒƒ‰‡”
ƒ•™‡”‡† ‘ˆ‹†‡–Ž›ǡDzŠǡ‹‘”†‡”ˆ‘”ƒŽ‘ƒ–‘„”‡ƒ—•—”›Žƒ™•‹
–Š‡•–ƒ–‡‘ˆ ƒ•Š‹‰–‘ǡ –Š‡ ”ƒ–‡—•– „‡ Š‹‰Š‡” –Šƒ ͵͸ ’‡” ‡–Ǥdz
‹ —•–‡”‡†ƒŽŽ–Š‡•ƒ” ƒ•Š‡Šƒ†ƒ†•ƒ‹†ǡDzŠǡ™‡ŽŽ‹–ǯ•ƒ‰‘‘†
–Š‹‰™‡ƒ”‡ǯ–„”‡ƒ‹‰ƒ›Žƒ™•Ǥdz

30. 23
5
With Friends Like This
‘™ –Šƒ– Š‡ ™ƒ• ‘—–‹‰ –‘ ™‘” ƒ† Šƒ† ƒ •–‡ƒ†›
‹ ‘‡ǡ ‹  †‡ ‹†‡† ‹– ™ƒ• –‹‡ –‘ ‰‡– ƒ ƒ”Ǥ ‡ •Š‘—Ž†
Šƒ˜‡ ‘™ „‡––‡”ǡ ƒˆ–‡” ™‹–‡••‹‰ Š‘™ –Š‡ ˆ‹ƒ ‹ƒŽ
’Žƒ‹‰ ‹†—•–”› ƒ† ‘‡‰ƒ–‡ ‘’‡”ƒ–‡†Ǥ ‘™‡˜‡”ǡ ‹– †‹†ǯ– ‡˜‡
”‘••Š‹•‹†–‘™ƒ– ŠŠ‹•ƒ••™Š‡Š‡™‡––‘ ‘—†”‡Ǧ™‡†
‡Š‹ Ž‡•–‘„—›Š‹•ˆ‹”•– ƒ”Ǥ
Šƒ”Ž‡•ǡ–Š‡•ƒŽ‡•ƒǡ™ƒ•ƒ’‡”•‘ƒ„Ž‡‰—›ƒ†Š‡ƒ†‹ „‡Ǧ
ƒ‡ˆ”‹‡†Ž›”‹‰Š–‘ˆˆ–Š‡„ƒ–Ǥ‹ ˆ‘—†ƒ ƒ”Š‡Ž‹‡†ǡ‡•’‡ ‹ƒŽŽ›
ƒˆ–‡”†”‹˜‹‰‹–Ȃƒƒ˜›„Ž—‡‘›‘–ƒ—’”ƒˆ‹˜‡Ǧ•’‡‡†Ǥ ‡ƒ†Šƒ”Ž‡•
†‹• —••‡†ˆ‹ƒ ‹‰ƒ†–Š‡Šƒ”Ž‡•Ž‡ˆ–‹ ‹ƒ•ƒŽŽ”‘‘™Š‹Ž‡
Š‡™‡––‘–ƒŽ–‘–Š‡ˆ‹ƒ ‡ƒƒ‰‡”ǤŠƒ”Ž‡• ƒ‡„ƒ ƒ†•ƒ‹†
–Š‡”‡™‡”‡•‘‡Dz‹••—‡•dz™‹–Š‹ ǯ•ˆ‹ƒ ‹‰ǡ„—–Š‡™ƒ•™‘”‹‰
‘‹–ƒ†™‘—Ž†„‡”‹‰Š–„ƒ Ǥ
Šƒ”Ž‡• ™‡– „ƒ  ƒ† ˆ‘”–Š ˆ‘” –Š‡ ‡š– ‘—’Ž‡ ‘ˆ Š‘—”• ƒ†
‡˜‡”›–‹‡ǡ–Š‡’”‹ ‡ƒ†’ƒ›‡–•‡‡‡†–‘ Šƒ‰‡ƒ†‡˜‡”ˆ‘”
–Š‡ „‡––‡”Ǥ ‹ƒŽŽ›ǡ Šƒ”Ž‡• ™ƒŽ‡† ‹ ƒ† •ƒ‹† ‡˜‡”›–Š‹‰ ™ƒ• ˆ‹‡

31. ‘ˆ‡••‹‘•‘ˆƒ‘”–‰ƒ‰‡ •‹†‡”
24
ƒ† ƒŽŽ ‹  Šƒ† –‘ †‘ ™ƒ• •‹‰ ƒ† –ƒ‡ –Š‡ ‡›•Ǥ ˆ ‘—”•‡ǡ –Š‡
’ƒ›‡– ™ƒ• “—‹–‡ ƒ „‹– Š‹‰Š‡” –Šƒ ™Š‡”‡ –Š‡›ǯ† •–ƒ”–‡† ƒ† –Š‡
ƒ –—ƒŽ’—” Šƒ•‡’”‹ ‡™ƒ•‘™Š‡”‡–‘„‡ˆ‘—†Ǥ
‘—ǯ†–Š‹™‹–ŠŠ‹•ˆ‹ƒ ‡†‡‰”‡‡ƒ†„ƒ ‰”‘—†ǡ‹ ™‘—Ž†
Šƒ˜‡ „‡‡ •ƒ”–‡” –Šƒ –Š‹•ǡ „—– Š‡ Šƒ† „‡‡ ’Žƒ›‡† „› ƒ –”ƒ‹‡†
‡š’‡”–ƒ†”‡ƒŽŽ›ǡŠ‡‡˜‡”Šƒ†ƒ Šƒ ‡Ǥ›–Š‡–‹‡‹–™ƒ•‘˜‡”ǡ‹ 
ƒ –—ƒŽŽ›–Šƒ‡†Šƒ”Ž‡•ƒ†™ƒ•–Š”‹ŽŽ‡†–‘†”‹˜‡ƒ™ƒ›‹Š‹•‡™ ƒ”Ǥ
‹ ƒ†Šƒ”Ž‡•‡’–‹–‘— Šƒ†‘ ƒ•‹‘ƒŽŽ›™‡–‘†”‹Ǧ
‹‰ ƒ† Š—–‹‰ ‡š’‡†‹–‹‘•Ǥ ‘ ‹  ƒ† Šƒ”Ž‡•ǡ DzŠ—–‹‰dz ‡ƒ–
Šƒ•‹‰•‹”–•Ǥ‡‹‰Š–ƒˆ–‡”ƒˆ‡™†”‹•ǡŠƒ”Ž‡•–—”‡†–‘‹ 
ƒ†•ƒ‹†ǡ Dz ‡› ƒǡ ”‡ƒŽŽ›‘™‡›‘—ƒ ƒ’‘Ž‘‰›Ǥdz ‹  ƒ•‡†ǡ Dz ‘”
™Šƒ–ǫdz Šƒ”Ž‡• Ž‘‘‡† †‘™ ‹–‘ Š‹• †”‹ ƒ† •ƒ‹† •Š‡‡’‹•ŠŽ›ǡ Dz
„—”‹‡†›‘—‹–Šƒ– ƒ”Ǥdz
DzŠƒ– ƒ”‡ ›‘— –ƒŽ‹‰ ƒ„‘—–ǫdz ƒ•‡† ‹ Ǥ Šƒ”Ž‡• ‡Žƒ„‘”ƒ–‡†
ƒ†•ƒ‹†ǡDz ‘—Ž†Šƒ˜‡‰‹˜‡›‘—–Šƒ– ƒ”ˆ‘”–Š‘—•ƒ†•Ž‡••ƒ†ƒ–ƒ
— Š Ž‘™‡” ‘–ŠŽ› ’ƒ›‡–ǡ „—– ™ƒ–‡† –‘ ƒ‡ ‘”‡ ‘‡›Ǥ
‘— ‘—Ž†ǯ–•‡ŽŽ–Šƒ– ƒ”‘™ˆ‘”™Šƒ–›‘—‘™‡‘‹––‘•ƒ˜‡›‘—”Ž‹ˆ‡Ǥ
‡‡ǡ™‡‰‡–’ƒ‹†‘”‡‹ˆ™‡ ƒ•‡ŽŽƒ ƒ”ƒ–ƒŠ‹‰Š‡”’”‹ ‡ǤŠ‡™‡
ƒ ‡ƒ” ‡š–”ƒ ‘‹••‹‘ ‹ˆ ™‡ ƒ •‡ŽŽ –Š‡ „—›‡” ‘ ƒ Š‹‰Š‡”
’ƒ›‡–ǡ–‘‘Ǥ ˆ Šƒ†‘™™Šƒ–ƒ ‘‘Ž‰—››‘—ƒ”‡ǡ ‡˜‡”™‘—Ž†
Šƒ˜‡• ”‡™‡†›‘—ƒ†„—”‹‡†›‘—‹–Š‡ ƒ”–Šƒ–™ƒ›ǡ„—––Šƒ–ǯ•Š‘™
‘—†•‡†ƒ”•–”ƒ‹•—•Ǥdz
‹ ˆ‘”‰ƒ˜‡Š‹ƒŽ‘•–‹•–ƒ–Ž›Ǥ ‡ˆ‹‰—”‡†ǡDzŠ‘ƒ –‘‰‡–
’‹••‡†ǫ ™‘”ƒ– ‘‡‰ƒ–‡ƒ†•‡ŽŽ‹–‡”‡•–”ƒ–‡•‹–Š‡ʹͲǯ•ƒ†͵Ͳǯ•
™‹–Š— ŠŠ‹‰Š‡”–Šƒ‘”ƒŽ’ƒ›‡–•Ǥ ƒǯ–”‡ƒŽŽ›‰‡–ƒ†Ǥdz

32. 25
6
Go to Your Bank
‘”‹‰ ƒ– ‘‡‰ƒ–‡ ™ƒ• ƒ ’”‡––› ‰‘‘† Œ‘„ ™‹–Š –Š‡
‡š ‡’–‹‘ ‘ˆ •–‹ ‹‰ ‹– –‘ —•—•’‡ –‹‰ ’‡‘’Ž‡Ǥ ˆ
‘—”•‡ǡ–Š‹•™ƒ•‘–Š‹‰ ‘’ƒ”‡†–‘–Š‡Ž‡˜‡Ž‘ˆ†‹•Š‘Ǧ
‡•–›ƒ††‡ ‡’–‹‘‹ ™‘—Ž††‹• ‘˜‡”ƒ ”‘••˜ƒ”‹‘—•‹†—•–”‹‡•‹
–Š‡ˆ—–—”‡Ǥ–‘‡’‘‹–ǡ‹ ‡˜‡Šƒ†–‘ˆ‡••—’ƒ•Šƒ”Ž‹‡Šƒ††‘‡
™‹–Š Š‹ ƒ† ƒ’‘Ž‘‰‹œ‡ –‘ Š‹• ‘™ ’ƒ”‡–• ˆ‘” ‰‡––‹‰ –Š‡ ƒ
‘‡‰ƒ–‡Ž‘ƒǤ
Š‡‘‡†ƒ›ǡ‹ ™ƒ•ƒ–Š‹•†‡•ƒ†ƒ‡Ž†‡”Ž› ‘—’Ž‡ ƒ‡
‹ƒ†•ƒ–†‘™ǤŠ‡›™ƒ–‡†–‘„‘””‘™͵ͲǡͲͲͲ†‘ŽŽƒ”•ƒ‰ƒ‹•––Š‡‹”
Š‘‡Ǥ‹ ‹–‡”˜‹‡™‡†–Š‡ǡ’—ŽŽ‡†–Š‡‹” ”‡†‹–ƒ†”‡˜‹‡™‡†–Š‡‹”
ƒ••‡–•ƒ†‹ ‘‡ǤŠ‡›™‡”‡’‡”ˆ‡ –„‘””‘™‡”•Ǥ ‘™‡˜‡”ǡƒ– ‘‡Ǧ
‰ƒ–‡ƒ’‡”ˆ‡ –„‘””‘™‡”‡ƒ–ʹͳǤͻ’‡” ‡–‹•–‡ƒ†‘ˆʹͻǤͻ’‡” ‡–Ǥ
‹ ˆ‡Ž–‹ŽŽƒ–Šƒ˜‹‰–‘•‡ŽŽ–Š‡‹ ‡‘Ž† ‘—’Ž‡ƒʹʹ’‡” ‡–‹–‡”‡•–
”ƒ–‡ ™Š‡ –Š‡› †‡•‡”˜‡† ‹‡ ’‡” ‡–Ǥ ‡ Ž‘‘‡† ƒ”‘—†ǡ Ž‡ƒ‡†
ˆ‘”™ƒ”†ƒ†•ƒ‹†ǡDzƒ›ǡŽ‹•–‡–‘‡„‡ ƒ—•‡ ǯ‘Ž›‰‘‹‰•ƒ›–Š‹•
‘ ‡ƒ†–Š‡ ™‹ŽŽ†‡› •ƒ‹†‹–Ǥ Ǩ‘— ƒ‰‡–

33. ‘ˆ‡••‹‘•‘ˆƒ‘”–‰ƒ‰‡ •‹†‡”
26
‹‡’‡” ‡–ƒ–ƒ„ƒƒ†–Š‡„‡•–”ƒ–‡ ƒ‰‹˜‡›‘—‹•ʹͳǤͻ’‡”Ǧ
‡–Ǥdz
Š‡‡Ž†‡”Ž› ‘—’Ž‡•‹Ž‡†ǡŽ‘‘‡†ƒ ”‘••–Š‡†‡•ƒ–‹ ƒ†
•ƒ‹†ǡ Dz‡ Œ—•– Ž‘˜‡ ‘‡‰ƒ–‡ǡ –Š‡›ǯ˜‡ „‡‡ –ƒ‹‰ ƒ”‡ ‘ˆ —• ˆ‘”
›‡ƒ”•Ǥdz
”—•–”ƒ–‡†ǡ‹ ”ƒ–Š‡—„‡”•ƒ†•ƒ‹†ǡDz‘›‘—Ž‘˜‡ ‘‡Ǧ
‰ƒ–‡‡‘—‰Š–‘’ƒ›ƒ‡š–”ƒ͵ʹʹ†‘ŽŽƒ”•ƒ‘–Šˆ‘”–Š‡•ƒ‡Ž‘ƒ
ƒ†ƒ‘—–‘ˆ‘‡›–Šƒ–›‘— ‘—Ž†‰‡–ˆ”‘›‘—”„ƒǫdz
š’‡ –‹‰–‘•‡‡–Š‡‰‡–—’ƒ†Ž‡ƒ˜‡ǡ‹ ™ƒ••Š‘ ‡†™Š‡
–Š‡›•ƒ‹†ǡDz‡Šƒ˜‡„‡‡†‡ƒŽ‹‰™‹–Š ‘‡‰ƒ–‡ˆ‘”›‡ƒ”•ƒ†–Š‡›
Šƒ˜‡ ƒŽ™ƒ›• –ƒ‡ ‰‘‘† ƒ”‡ ‘ˆ —•Ǥ ‡ǯ”‡ ‘ˆ‘”–ƒ„Ž‡ ‰‡––‹‰ ‘—”
‘‡›Š‡”‡Ǥdz•‹ Š‡Ž’‡†–Š‡•‹‰–Š‡’ƒ’‡”•ǡŠ‡ ‘—Ž†ǯ–•–‘’
–Š‹‹‰ǡDz‘™ǡƒ„”ƒ†ƒ‡ƒ† —•–‘‡”Ž‘›ƒŽ–›”‡ƒŽŽ› ƒ””‹‡•ƒ
Ž‘–‘ˆ™‡‹‰Š–Ǥdz
—•– ƒ„‘—– –Š‡ –‹‡ ‹  ™ƒ• ”‡ƒ†› –‘ ™ƒŽ ƒ™ƒ›ǡ ‘‡‰ƒ–‡
–”ƒ•ˆ‡””‡†Š‹–‘ƒ‘–Š‡”„”ƒ ŠǤ‡™‘ˆˆ‹ ‡ǡ‡™™ƒ‹–”‡••‡•ǡ‘Š
™ƒ‹–ǡ ‡™ ”‡•–ƒ—”ƒ–• ˆ‘” Ž— Šǡ ƒ† ƒ — Š •Š‘”–‡” ‘—–‡Ǥ –
†‹†ǯ––ƒ‡Ž‘‰ˆ‘”–Š‡‡™‡••–‘™‡ƒ”‘ˆˆǡ–Š‘—‰Šǡƒ†–Š‡‹–™ƒ•
Œ—•– –Š‡ •ƒ‡ ‡‡Ǧ ƒ’’‹‰ ‹–‡”‡•– ”ƒ–‡• ƒ† Ž‘ƒ ’”‘‰”ƒ• ƒ•
„‡ˆ‘”‡Ǥ
‹‰Š– ƒ„‘—– –Š‡ǡ •‘‡–Š‹‰ ˜‡”› ‹–‡”‡•–‹‰ Šƒ’’‡‡†Ǥ ‹ 
™ƒ•ƒ–Š‹•†‡•‘‡ƒˆ–‡”‘‘ƒ†ƒƒ™ƒŽ‡†‹ǡ†”‡••‡†–‘–Š‡
‹‡•‹ƒ’‹•–”‹’‡•—‹–ƒ†ˆŽ‘”ƒŽ’”‹––‹‡Ǥ ‡†”‘’’‡†ƒ„ƒ”ƒ’‹
‘‹ ǯ•†‡•Ǥ ‡Ž‘‘‡†ƒ–‹ ƒ†•ƒ‹†ǡDzŠ‡•‡’‡‘’Ž‡‡‡†ƒŽ‘ƒǤ
‹˜‡–Š‡ƒ”‹‰Ǥdz‡‰ƒ”†Ž‡••‘ˆ ‘‡‰ƒ–‡ǯ•Š‹‰Š‹–‡”‡•–”ƒ–‡•ǡ‹ 
™ƒ• ƒ‰‰”‡••‹˜‡ ƒ† ‘–ƒ –‡† –Š‡ Ž‡ƒ† ‹‡†‹ƒ–‡Ž›Ǥ ‡ –‘‘ –Š‡
ƒ’’Ž‹ ƒ–‹‘ǡ Šƒ†Ž‡† –Š‡ ”‡†‹–ǡ ƒ’’”ƒ‹•ƒŽǡ –‹–Ž‡ ƒ† Ž‘ƒ ‘†‹–‹‘•
ƒ†„”‘—‰Š––Š‡’‡‘’Ž‡‹–‘•‹‰–Š‡‹” Ž‘•‹‰†‘ —‡–•Ǥ•‹ 
Ž‘‘‡† ‘˜‡” –Š‡ Ž‘•‹‰ †‘ —‡–• ȋ„› ‘™ Š‡ ™ƒ• ƒ —•–‘‡† –‘
‹‰‘”‹‰–Š‡‹–‡”‡•–”ƒ–‡ȌǡŠ‡Ž‘‘‡†ƒ––Š‡ Ž‘•‹‰ ‘•–••‡ –‹‘ǡƒ†
‘–‹ ‡†–Šƒ––Š‡”‡™ƒ•ƒ‘”–‰ƒ‰‡„”‘‡”ˆ‡‡‘ˆƒ–Š‘—•ƒ††‘ŽŽƒ”•Ǥ –

34. Šƒ’–‡”͸Ȃ ‘–‘‘—”ƒ
27
–‘‘‹ ŠƒŽˆƒ‘–Š–‘ƒ‡ƒ–Š‘—•ƒ††‘ŽŽƒ”•ǡ•‘Š‡™ƒ•”‹‰Š–ˆ—ŽǦ
Ž›‹†‹‰ƒ–™Š‡Š‡™‡––‘Š‹•ƒƒ‰‡”ƒ†•ƒ‹†ǡDzŠƒ––Š‡Š‡ŽŽ‹•
–Š‹•ǫdzŠ‡ƒƒ‰‡”–—”‡†ƒ†•ƒ‹†ǡDzŠǡ–Šƒ–ǯ•–Š‡‘”–‰ƒ‰‡„”‘‡”ǯ•
ˆ‡‡Ǥdz‘™Š‹ Š‹ ”‡’Ž‹‡†ǡDzŠƒ–‘”–‰ƒ‰‡„”‘‡”ǫ Šƒ†Ž‡†‡˜‡”›
ƒ•’‡ –‘ˆ–Šƒ–Ž‘ƒˆ”‘•–ƒ”––‘ˆ‹‹•ŠǤdzŠ‡ƒƒ‰‡””‡’Ž‹‡†ǡDz‘—
‘™ –Š‡ ‰—› ™Š‘ „”‘—‰Š– ›‘— –Š‡ Ž‡ƒ†ǫdz ‹ ǡ ‹ ƒ ‘–”‘ŽŽ‡†
• ”‡ƒǡ•ƒ‹†ǡDz‘—‡ƒ–Šƒ–‰—›™Š‘•’‡–͵Ͳ•‡ ‘†•ƒ–›†‡•
ƒ††”‘’’‡†‘ˆˆƒ„ƒ”ƒ’‹ǫdzŠ‡ƒƒ‰‡”“—‹’’‡†ǡDzŠƒ–ǯ•”‹‰Š–Ǥdz
‹–ŠŠ‹•‘—–Šǡ‹ •ƒ‹†ǡDzŠǡ‘ƒ›Ǥdz—–‹Š‹•‹†ǡŠ‡–Š‘—‰Š–ǡDz ˆ
‘”–‰ƒ‰‡„”‘‡”•‰‡–ƒ–Š‘—•ƒ†„— •ˆ‘”ƒ„ƒ”ƒ’‹™‹–Šƒƒ‡
ƒ†ƒ—„‡”ǡ–Š‡ ǯ‰‘ƒ„‡”‹ ŠǤdz

36. 29
7
The Triple Interview
‘–„‡‹‰‘‡–‘™ƒ•–‡–‹‡ǡ‹ ‹‡†‹ƒ–‡Ž›Š‹––Š‡’Š‘‡•
ƒ† ƒŽŽ‡†‡˜‡”›†‡ ‡–Ǧ•‹œ‡†‘”–‰ƒ‰‡ ‘’ƒ›™‹–Š‹–‡
‹—–‡• ‘ˆ ™Š‡”‡ Š‡ Ž‹˜‡†Ǥ ‘™ǡ –Š‡ ‘”–‰ƒ‰‡ „—•‹‡••
™ƒ•ǯ––Š‡”‘––‹‰ ‡••’‘‘Ž‹–‹•–‘†ƒ›ƒ†ˆ‘”‹ –‘‰‡–Š‹”‡†ƒ –—ƒŽǦ
Ž›–‘‘•‘‡”‡ƒŽ‡ˆˆ‘”–Ǥ—–ƒˆ–‡”ƒ›’Š‘‡ ƒŽŽ•ǡŠ‡ƒƒ‰‡†–‘
•‡ —”‡ƒ‹–‡”˜‹‡™™‹–Šƒ•‡‹‘”Ž‘ƒ‘ˆˆ‹ ‡”ƒ–ƒ‰‘‘†Ǧ•‹œ‡† ‘’ƒǦ
›–‡‹—–‡•ˆ”‘Š‹•Š‘—•‡Ǥ
–Š‡†ƒ›‘ˆ–Š‡‹–‡”˜‹‡™ǡ‹ ’—ŽŽ‡†—’–‘ƒ‰‘”‰‡‘—•„—‹Ž†Ǧ
‹‰ǡƒ†–‘‘–Š‡‡Ž‡˜ƒ–‘”—’–‘–Š‡‘”–‰ƒ‰‡ ‘’ƒ›Ǥ‡‡’‹‹†
–Šƒ–‹ ™ƒ•—•‡†–‘‰‡––‹‰—’‹–Š‡‘”‹‰ǡ’—––‹‰‘Š‹••—‹–
ƒ†–‹‡ƒ††”‹˜‹‰–‘Š‹••–‘”‡ˆ”‘–‘ˆˆ‹ ‡‹ƒ•–”‹’ƒŽŽǤƒŽ‹‰‹–‘
–Š‹• ’Žƒ ‡ ™ƒ• Ž‹‡ ™ƒŽ‹‰ ‹–‘ ‹•‡›Žƒ†Ǥ Š‡ ™ƒ‹–‹‰ ”‘‘ Šƒ†
‰‘”‰‡‘—•Ž‡ƒ–Š‡”ˆ—”‹–—”‡ǡ ‘ˆˆ‡‡ƒ†–‡ƒƒ†ƒ•–—‹‰”‡ ‡’–‹‘‹•–Ǥ
Š‡™ƒ••‘Š‘––Šƒ–‘‘‡ ƒ”‡†‹ˆ•Š‡ ‘—Ž†–›’‡ǡ‘”‡˜‡ƒ•™‡”–Š‡
’Š‘‡ˆ‘”–Šƒ–ƒ––‡”Ǥ‹ ™ƒ••‘‡š ‹–‡†Š‡ ‘—Ž†„ƒ”‡Ž›•‹–•–‹ŽŽ‘

37. ‘ˆ‡••‹‘•‘ˆƒ‘”–‰ƒ‰‡ •‹†‡”
30
–Šƒ–Ž‡ƒ–Š‡” ‘— Šƒ†‡’––Š‹‹‰–‘Š‹•‡ŽˆǡDz ˆ ‘—Ž†Œ—•–™‘”
Š‡”‡‡˜‡”›†ƒ›ǡ›Ž‹ˆ‡™‘—Ž†„‡’‡”ˆ‡ –Ǥdz
‡ ™ƒ• •‘ †‡‡’ ‹ –Š‘—‰Š– –Šƒ– ‹– •–ƒ”–Ž‡† Š‹ ™Š‡ ƒ ƒ
•–ƒ†‹‰ ƒ„‘—– ˆ‹˜‡ ˆ‡‡– ƒ™ƒ› •ƒ‹†ǡ Dz ‹ ‹ ǡ ǯ ”‹‡ǡ ˆ‘ŽŽ‘™ ‡Ǥdz
‹ ‰‘–—’ƒ†ˆ‘ŽŽ‘™‡†”‹‡”‹‰Š–’ƒ•––Š‡”‡ ‡’–‹‘‹•–ǡ™Š‡”‡Š‡
Šƒ†–‘‡š‡” ‹•‡‡š–”‡‡†‹• ‹’Ž‹‡‘––‘•–ƒ”‡ǤŠ‡›™ƒŽ‡†‹–‘ƒ
„‡ƒ—–‹ˆ—Ž ‡š‡ —–‹˜‡ ‘ˆ‡”‡ ‡ ”‘‘ ™‹–Š ˆŽ‘‘”Ǧ–‘Ǧ ‡‹Ž‹‰ ™‹†‘™•
ƒ†ƒ ‘ˆ‡”‡ ‡–ƒ„Ž‡–Šƒ–™‘—Ž†‡ƒ•‹Ž›•‡ƒ–ʹͲ’‡‘’Ž‡Ǥ
‹ ƒ†”‹‡„‡‰ƒ–‘–ƒŽƒ†–Š‡ ‘˜‡”•ƒ–‹‘•‡‡‡†–‘„‡
‰‘‹‰™‡ŽŽǤ”‹‡•ƒ‹†ǡDz‘‹ ǡ–‡ŽŽ‡ƒ„‘—–›‘—”‡š’‡”‹‡ ‡Ǥdz‹ 
”‡•’‘†‡†™‹–ŠŠ‹•’”ƒ –‹ ‡†ƒ•™‡”ǡDz Šƒ˜‡–™‘†‡‰”‡‡•Ȃ‘‡‹
ˆ‹ƒ ‡ƒ†‘‡‹‡ ‘‘‹ •Ǥ ƒ‘’‡ƒ† Ž‘•‡ƒŽ‘ƒˆ”‘•–ƒ”–
–‘ˆ‹‹•Šƒ† ƒ’‹ —’‡™ ‘ ‡’–•˜‡”›“—‹ Ž›Ǥdz ‡–Š‘—‰Š–ǡ
Dz‡”ˆ‡ –ǡ †‡Ž‹˜‡”‡†–Šƒ–Œ—•–Ž‹‡ ’”ƒ –‹ ‡†ǡ ǯƒ•Š‘‡Ǧ‹Š‡”‡Ǥdz
–‡””—’–‹‰ ‹ ǯ• ’Ž‡ƒ•ƒ– –Š‘—‰Š–•ǡ ”‹‡ ƒ•‡†ǡ DzŠƒ– †‘
›‘—‘™ƒ„‘—–’—” Šƒ•‡†‡ƒŽ•ǫdz
Dz‘–Š‹‰ǡdz•ƒ‹†‹ Ǥ
Dz ‘™ƒ„‘—– Ž‘ƒ•ǫdz
Dz‘–Š‹‰Ǥdz
Dz ‘™ƒ„‘—–ǫdz
Dz‘–Š‹‰Ǥdz
Dz ‘™ƒ„‘—– —„‘Ž‘ƒ•ǫdz
Dz‘–Š‹‰Ǥdz
‹  ‹–‡””—’–‡† ”‹‡ǯ• “—‡•–‹‘•ǡ ‘™ –Šƒ– Š‹• –Š‘—‰Š–• ‘ˆ ƒ
’‡”ˆ‡ –‹–‡”˜‹‡™Šƒ†‰‘‡”‹‰Š–‘—––Š‘•‡„‡ƒ—–‹ˆ—Ž™‹†‘™•ǤDz‘‘ǡ
”‡ƒŽ‹œ‡ †‘ǯ–‘™–Š‹••–—ˆˆǡ„—– ǯƒ“—‹ •–—†›Ǥdz
”‹‡ǯ•”‡•’‘•‡™ƒ•Ž‡••–Šƒ‡–Š—•‹ƒ•–‹ ǤDzŠƒ•Ǥ‡ǯŽŽ ƒŽŽ
›‘—Ǥdz
‡‡Ž‹‰ –Šƒ– –Š‡ ‹–‡”˜‹‡™ ‘—Ž† Šƒ˜‡ ‰‘‡ — Š „‡––‡”ǡ ‹ 
Ž‡ˆ–ǡ„—–Š‡™ƒ•ˆƒ”ˆ”‘†‹• ‘—”ƒ‰‡†Ǥ ‡‡’–•‡‡‹‰–Šƒ–‘ˆˆ‹ ‡ǡ–Šƒ–

38. Šƒ’–‡”͹ȂŠ‡”‹’Ž‡ –‡”˜‹‡™
31
”‡ ‡’–‹‘‹•–ǡ –Šƒ– „‘ƒ”†”‘‘ ‹ Š‹• ‹† ƒ† ƒŽŽ‡† ‡˜‡”› †ƒ› ˆ‘”
™‡‡•—–‹Ž–Š‡›ˆ‹ƒŽŽ›‰ƒ˜‡Š‹ƒ•‡ ‘†‹–‡”˜‹‡™Ǥ
Š‡†ƒ›‘ˆŠ‹••‡ ‘†‹–‡”˜‹‡™ƒ””‹˜‡†ƒ†‹ ™ƒ•’•› Š‡†ǡ
‘–Œ—•––‘•‡‡–Š‡‘ˆˆ‹ ‡‘”–Šƒ–”‡ ‡’–‹‘‹•–ƒ‰ƒ‹ǡ„—––‘‰‡––Š‹•Œ‘„Ǥ
Š‡•‡ ‘†‹–‡”˜‹‡™™ƒ•™‹–Š–Š‡˜‹ ‡’”‡•‹†‡–Ǥ‹ –Š‘—‰Š–‹–™ƒ•
‰‘‹‰‰”‡ƒ–ǤŠ‡ƒŽŽ‘ˆƒ•—††‡ǡ–Š‘•‡•ƒ‡†”‡ƒǦ‹ŽŽ‹‰“—‡•–‹‘•
•–ƒ”–‡†ǤDzŠƒ–†‘›‘—‘™ƒ„‘—–’—” Šƒ•‡†‡ƒŽ•ǡ™Šƒ–†‘›‘—‘™
ƒ„‘—– ǡ™Šƒ–†‘›‘—‘™ƒ„‘—–ǫŠƒ•ǡ™‡ǯŽŽ ƒŽŽ›‘—Ǥdz
”—•–”ƒ–‡†ƒ‰ƒ‹ǡ„—–—†‡ˆ‡ƒ–‡†ǡ‹ ™‡–„ƒ –‘™‘”ƒ––Š‡
•–”‹’ƒŽŽƒ† ‘–‹—‡†–‘ ƒŽŽ‡˜‡”›†ƒ›Ǥ –ƒ›Šƒ˜‡„‡‡„‡ ƒ—•‡
Š‡ ™ƒ• ‰‡––‹‰ —•‡† –‘ –Š‹‹‰ ƒ„‘—– †ƒ–‹‰ –Šƒ– ”‡ ‡’–‹‘‹•– ‘”
„‡ ƒ—•‡Š‡Œ—•–”‡ƒŽŽ›™ƒ–‡†–Šƒ–Œ‘„ǡ„—–Š‡™ƒ•ǯ–‡˜‡ Ž‘•‡–‘
‰‹˜‹‰—’Ǥ
Š”‘—‰Š†‘‰‰‡††‡–‡”‹ƒ–‹‘ƒ†ƒ‹”ƒ Ž‡ǡ‹ ‰‘–ƒ–Š‹”†
‹–‡”˜‹‡™ǡ–Š‹•–‹‡™‹–Š–Š‡ ‘’ƒ›’”‡•‹†‡–ǤŠ‡™ƒ•ƒƒ––”ƒ Ǧ
–‹˜‡–Š‹”–›Ǧ•‘‡–Š‹‰™‘ƒ™‹–Šƒ–”‹ˆ‹‰—”‡ƒ†ƒˆ‘ —•‡†•–ƒ”‡Ǥ
‹  ™ƒ• Šƒ˜‹‰ ƒ‘–Š‡” ‰”‡ƒ– ‹–‡”˜‹‡™ ™‹–Š Š‡” ™Š‡ ƒŽŽ ‘ˆ ƒ
•—††‡–Š‡‘–Š‡”•Š‘‡†”‘’’‡†ƒ†•Š‡•ƒ‹†ǡDz‘ǡ™Šƒ–†‘›‘—‘™
ƒ„‘—–’—” Šƒ•‡†‡ƒŽ•ǫdz
Šƒ–™ƒ•‹–Ǥ‹ Ž‘•–‹–ƒ†ƒ•‡†herƒ“—‡•–‹‘‹•–‡ƒ†ǤDzŠ‘‹•
–Š‡‡š–„‹‰‰‡•–‘”–‰ƒ‰‡ ‘’ƒ›‹–Š‹• ‹–›ǫdzŠ‡Ž‘‘‡†ƒŽ‹––Ž‡
’—œœŽ‡† ƒ† ƒ•‡†ǡ DzŠ›ǫdz ‹  ”‡•’‘†‡†ǡ Dz‘‘ǡ ‘™ ƒŽŽ –Š‡
“—‡•–‹‘• ›‘—ǯ”‡ ‰‘‹‰ –‘ ƒ•Ǥ ǯ˜‡ ƒ•™‡”‡† –Š‡ ˆ‘” –™‘ ‘ˆ ›‘—”
•—„‘”†‹ƒ–‡• ƒ† –Š‡ ƒ•™‡”• ƒ”‡ –Š‡ •ƒ‡Ǣ ‘™ ‘–Š‹‰Ǥ ‘
’Ž‡ƒ•‡Œ—•––‡ŽŽ‡™Š‘–Š‡‡š–„‹‰‰‡•–‘”–‰ƒ‰‡ ‘’ƒ›‹•„‡ ƒ—•‡
ƒ‰‘‹‰–‘‰‘™‘”ˆ‘”–Š‡ƒ†‹ ›‘—”„—––Ǩdz
‹–Š–Šƒ–ǡ‹ •–‘‘†—’ƒ†•–ƒ”–‡†–‘Ž‡ƒ˜‡–Š‡”‘‘ǤŠ‡’”‡•Ǧ
‹†‡–•–‘‘†—’ƒ†•ƒ‹†ǡDzƒ‹–ƒ‹—–‡Ǥdz‹ –—”‡†Š‹•Š‡ƒ†–‘Š‡”
ƒ† •ƒ‹†ǡ Dz –Š‹ ™‡ǯ”‡ ’”‡––› — Š †‘‡ Š‡”‡Ǥdz ‡ˆ‘”‡ Š‡ ‡˜‡
ˆ‹‹•Š‡† Š‹• •‡–‡ ‡ǡ •Š‡ ‹–‡””—’–‡† Š‹ ™‹–Šǡ DzŠ‡ ƒ ›‘—
•–ƒ”–ǫdz

39. ‘ˆ‡••‹‘•‘ˆƒ‘”–‰ƒ‰‡ •‹†‡”
32
‹  ™ƒ• •—”’”‹•‡†ǡ Šƒ’’› ƒ† ˆ‹ŽŽ‡† ™‹–Š –Š‡ ‘ˆ‹†‡ ‡ –Šƒ–
‘‡•™‹–Š‘™‹‰Š‡Šƒ†‘–Š‹‰–‘Ž‘•‡ƒ•Š‡ƒ•‡†ǡDz‘—‡ƒ
•‘‡‘‡Šƒ•–‘ ‘‡‹Š‡”‡ƒ†•™‡ƒ”ƒ––Š‡’”‡•‹†‡––‘‰‡–ƒŒ‘„ǫdz
Š‡ƒ•™‡”‡†™‹–Šƒ Š— Ž‡ǡDz‘ǡ„—–„‡ ƒ—•‡‘ˆ›‘—”ƒ‰‡ǡ‹–ǯ•‰‘‹‰
–‘ „‡ †‹ˆˆ‹ —Ž– –‘ ‰‡– ’‡‘’Ž‡ –‘ –”—•– ›‘— ™‹–Š –Š‡‹” ‘‡› ƒ† ˆ‹Ǧ
ƒ ‡•—Ž‡••›‘—Šƒ˜‡ƒ”‡ƒŽƒ––‹–—†‡ƒ†›‘—‘„˜‹‘—•Ž›†‘Ǥ‘™Š‡
ƒ›‘—•–ƒ”–ǫdz
‹  ™ƒ• •Š‘ ‡†Ǥ ‡ǯ† „‡‡ –‘–ƒŽŽ› ƒ—‰Š– ‘ˆˆ ‰—ƒ”†Ǥ ‘ ‰‹˜‡
Š‹•‡Žˆ•‘‡–‹‡–‘‰‡–‘”‰ƒ‹œ‡†ǡƒ†‘Šǡ“—‹–Š‹• —””‡–Œ‘„ǡŠ‡
•ƒ‹†ǡ Dz ‡‡† –™‘ ™‡‡•Ǥ ƒǯ– Ž‡ƒ˜‡ ‘‡‰ƒ–‡ •Š‘”–ǦŠƒ†‡†ǡ •‘
Šƒ˜‡ –‘ ‰‹˜‡ –™‘ ™‡‡•Ǥdz Š‡ •‹’Ž› •ƒ‹†ǡ Dz‡‡ ›‘— ‹ –™‘ ™‡‡•ǡ
–Š‡Ǥdz
‹ ™ƒ•‘ Ž‘—†ʹͲͻǡ–Šƒ–ǯ•ʹͲͲŽ‡˜‡Ž•ƒ„‘˜‡ Ž‘—†‹‡ǡƒ•Š‡
™ƒŽ‡†’ƒ•––Š‡‘ ‘—–”‡ ‡’–‹‘‹•–ǡ”‘†‡†‘™–Š‡‡Ž‡˜ƒ–‘”ƒ†
™ƒŽ‡† ‘—– ‘ˆ –Šƒ– „‡ƒ—–‹ˆ—Ž „—‹Ž†‹‰ǡ ‘™ his „‡ƒ—–‹ˆ—Ž „—‹Ž†‹‰ǡ
™Š‡”‡Š‡™‘—Ž†„‡ƒ””‹˜‹‰ˆ‘”™‘”‹–™‘™‡‡•Ǥ

40. 33
8
The Copier Guy
Š‡ ‡š– –™‘ ™‡‡• •‡‡‡† Ž‹‡ –™‘ ›‡ƒ”• ƒ† ‹  —•–
Šƒ˜‡†”‹˜‡„›Š‹•‡™„—‹Ž†‹‰ƒ–Ž‡ƒ•–ƒŠ—†”‡†–‹‡•Ǥ•
— Šƒ•Š‡™ƒ–‡†–‘Ž‡ƒ˜‡ ‘‡‰ƒ–‡•Š‘”–ǦŠƒ†‡†ƒ†‰‡–
•–ƒ”–‡†‹‡†‹ƒ–‡Ž›‹Š‹•‡™’‘•‹–‹‘ǡ‹–™ƒ•ǯ–‹Š‹–‘Ž‡ƒ˜‡–Š‡
‘’ƒ› —†‡”Ǧ•–ƒˆˆ‡† ƒ† Œ—•– ™ƒŽ ‘—–Ǥ ‹ƒŽŽ›ǡ –Š‡ –™‘ ™‡‡•
’ƒ••‡†ƒ†–Š‡ˆ‹”•–†ƒ›‘ˆŠ‹•‡™Œ‘„ǡ‘”careerƒ•‹ ‘™•ƒ™‹–ǡ
ƒ””‹˜‡†Ǥ
Š‡–™‘™‡‡••‡‡‡†–‘’ƒ•••‘•Ž‘™Ž›–Šƒ–‹ ™‘”‡†–‘
ˆ‹† ‡˜‡”› ’‹‡ ‡ ‘ˆ ‹ˆ‘”ƒ–‹‘ ƒ˜ƒ‹Žƒ„Ž‡ ‘ ‘”–‰ƒ‰‡ „ƒ‹‰ ƒ†
‘”–‰ƒ‰‡„”‘‡”‹‰ƒ†–Š‡”‡™ƒ•‘–Š‹‰ƒ˜ƒ‹Žƒ„Ž‡ǤƒŽ‹‰‹–‘Š‹•
‡™‘ˆˆ‹ ‡‘–Š‡ˆ‹”•–†ƒ›™ƒ•ƒ•‡š ‹–‹‰ƒ•Š‡Šƒ†‹ƒ‰‹‡†Ǥ ‡Šƒ†
’Žƒ›‡† –Š‡ • ‡‡ ‘˜‡” ƒ† ‘˜‡” ‹ Š‹• Š‡ƒ† †—”‹‰ –Š‡ ’ƒ•– –™‘
™‡‡•Ǥ —•–’—ŽŽ‹‰‹–‘–Š‡’ƒ”‹‰Ž‘–™ƒ•ƒ‰”‡ƒ–‡š’‡”‹‡ ‡ ‘Ǧ
’ƒ”‡†–‘’—ŽŽ‹‰‹–‘–Š‡•–”‹’ƒŽŽ™Š‡”‡Š‹• ‘‡‰ƒ–‡‘ˆˆ‹ ‡™ƒ•
Ž‘ ƒ–‡†Ǥ

41. ‘ˆ‡••‹‘•‘ˆƒ‘”–‰ƒ‰‡ •‹†‡”
34
ƒŽ‹‰‹–‘–Š‡‡™‘ˆˆ‹ ‡™ƒ•–Š”‹ŽŽ‹‰ƒ†• ƒ”›ƒ––Š‡•ƒ‡
–‹‡Ǥ‘‘‹‰ƒ”‘—†–Š‡Ž‘„„›ƒ––Š‡„‡ƒ—–‹ˆ—Žˆ—”‹–—”‡ƒ†ƒ”–ˆ‘”
–Š‡ˆ‘—”–Š–‹‡ǡƒ†–Š‡–‘™ƒ”†•–Š‡˜‡”› —–‡ƒ†‘™ƒ––ƒ‹ƒ„Ž‡
”‡ ‡’–‹‘‹•–™ƒ•ƒ‰”‡ƒ–™ƒ›–‘•–ƒ”–ƒ›†ƒ›ǤŠ‡ǡƒˆ–‡”ƒ ‘—’Ž‡‘ˆ
†‡‡’„”‡ƒ–Š•ǡ‹–™ƒ•–‹‡–‘Š‡ƒ†„ƒ –‘–Š‡„—ŽŽ’‡ǡ‡‡––Š‡•–ƒˆˆǡ
Ž‘ƒ‘ˆˆ‹ ‡”•ƒ†ƒƒ‰‡‡–ǤŠ‹•™ƒ•ƒ‡†‹—Ǧ•‹œ‡† ‘’ƒ›ǡƒ•
‘”–‰ƒ‰‡ „”‘‡”ƒ‰‡• ‰‘ǡ ™‹–Š ƒ„‘—– ʹͲ Ž‘ƒ ‘ˆˆ‹ ‡”•ƒ† –‡ ‘–Š‡”
’‡‘’Ž‡‹ƒƒ‰‡‡–ƒ†•—’’‘”–’‘•‹–‹‘•Ǥ
‹ ǯ•‡”˜‘—•‡••–—”‡†–‘‡š ‹–‡‡–Ǥ ‡„‡ ƒ‡‘”‡ ‡”Ǧ
–ƒ‹Š‡Šƒ†ƒ†‡–Š‡”‹‰Š–†‡ ‹•‹‘ƒ•Š‹• ‘Ǧ™‘”‡”•‰”‡‡–‡†Š‹Ǥ ‡
™ƒ•ƒ–Ž‡ƒ•–•‹š›‡ƒ”•›‘—‰‡”–Šƒ–Š‡›‘—‰‡•–Ž‘ƒ‘ˆˆ‹ ‡”ǡ„—–•–‹ŽŽ
ˆ‡Ž– ‡š–”‡‡Ž› ™‡Ž ‘‡† ƒ† ”‹‰Š– ƒ– Š‘‡Ǥ Dz›–Š‹‰ ƒ †‘ –‘
Š‡Ž’ǫdz ‘” Dz ˆ ›‘— Šƒ˜‡ ƒ› “—‡•–‹‘•ǡ †‘ǯ– Š‡•‹–ƒ–‡ –‘ ƒ•ǡdz ™‡”‡
”‡’‡ƒ–‡†„›ƒŽŽ–Š‡Ž‘ƒ‘ˆˆ‹ ‡”•Ǥ˜‡–Š‘—‰Š–‡ Š‹ ƒŽŽ›–Š‡›™‡”‡‹
‘’‡–‹–‹‘ˆ‘” ‘‹••‹‘•ǡ‹–†‹†ǯ–•‡‡–Šƒ–™ƒ›ǡ™‡ŽŽƒ–Ž‡ƒ•–‘–
›‡–ǡ„‡ ƒ—•‡–Š‹•™ƒ•‹ ǯ•ˆ‹”•–†ƒ›Ǥ
ˆ–‡”–Š‡’Ž‡ƒ•ƒ–”‹‡•ǡ ƒǡ–Š‡˜‹ ‡’”‡•‹†‡–ǡ–‘‘‹ ‹–‘Š‡”
‘ˆˆ‹ ‡ƒ†„‡‰ƒ–‘‡š’Žƒ‹Š‘™–Š‹‰•™‘”‡†ǤŠ‡™ƒ•˜‡”›„—•‹Ǧ
‡••Ž‹‡ǡƒ†–Š‡™ƒ›•Š‡™‹‡Ž†‡†Š‡”ƒ—–Š‘”‹–›ƒ†‡Š‡”•‡‡‹†
‘ˆ•‡š›–‘‹ ǤŠ‡™ƒ•–‡†‘–‹‡ƒ†•ƒ‹†ǡDz‡–‡‡š’Žƒ‹Š‘™›‘—
ƒ‡‘‡›Š‡”‡ƒ†™Šƒ–ǯ•‡š’‡ –‡†‘ˆ›‘—Ǥdz‹ ™ƒ•ƒƒœ‡†–Šƒ–
Š‡ ‘—Ž†‰‘ˆ”‘ˆ‡‡Ž‹‰Ž‹‡–Š‡‘•–’‘’—Žƒ”‰—›‹–Š‡”‘‘‘‡
‹—–‡–‘™‘””›‹‰ƒ„‘—–‡‡’‹‰Š‹•Œ‘„–Š‡‡š–Ǥ
ƒ‡š’Žƒ‹‡†ǡDz‡ƒ”‡ƒ‘”–‰ƒ‰‡„”‘‡”ƒ‰‡ǡ™Š‹ Š‡ƒ•™‡
ˆ‹†„‘””‘™‡”•™Š‘‡‡†ƒ‘”–‰ƒ‰‡Ž‘ƒǤ‡‘”‹‰‹ƒ–‡–Š‡Ž‘ƒǡ’—–
–Š‡ Ž‘ƒ ˆ‹Ž‡ –‘‰‡–Š‡” ƒ• „‡ƒ—–‹ˆ—ŽŽ› ƒ• ’‘••‹„Ž‡ǡ –Š‡ •‡† ‹–ǡ ‘”
Ǯ„”‘‡”ǯ‹–ǡ–‘ƒŽ‡†‡”™Š‡”‡™‡Šƒ˜‡ƒ’”‡Ǧƒ””ƒ‰‡†”‡Žƒ–‹‘•Š‹’Ǥ 
‘•– ƒ•‡•ǡ–Š‡Ž‡†‡”•‡–•–Š‡‹–‡”‡•–”ƒ–‡ƒ† Šƒ”‰‡•ƒ‘‡’‡”Ǧ
‡–Ž‘ƒˆ‡‡ǤŠƒ–ǯ•‘‡’‡” ‡–‘ˆ–Š‡Ž‘ƒƒ‘—––‘—†‡”™”‹–‡ǡ
ƒ’’”‘˜‡ƒ†ˆ—†–Š‡Ž‘ƒǤ ‘”‡šƒ’Ž‡ǡ‘ƒ͵ͲͲǡͲͲͲ†‘ŽŽƒ”Ž‘ƒǡ–Š‡
‘‡’‡” ‡–ˆ‡‡™‘—Ž†„‡͵ǡͲͲͲ†‘ŽŽƒ”•Ǥ

42. Šƒ’–‡”ͺȂŠ‡‘’‹‡” —›
35
Dz‘—ǯŽŽ ‘’‡–‡™‹–Š„ƒ•‘”‡–Šƒ‘–Š‡”„”‘‡”•ǡ•‘Ž‡–‡
–‡ŽŽ ›‘— Š‘™ –‘ ‡š’Žƒ‹ –‘ ›‘—” Ž‹‡–• ™Šƒ– ™‡ †‘ ƒ† ™Šƒ– ™‡
Šƒ”‰‡ˆ‘”Ǥ ˆƒ —•–‘‡”™ƒŽ•‹–‘ƒ„ƒǡ–Š‡„ƒ Šƒ”‰‡•ƒ–™‘
’‡” ‡–Ž‘ƒˆ‡‡ǤŠƒ–ǯ•–™‘’‡” ‡–‘ˆ–Š‡Ž‘ƒƒ‘—–Ǥ‡’‡” ‡–
‰‘‡•–‘ ‘˜‡”–Š‡Ž‘ƒ ‘•–•ƒ†‘‡’‡” ‡–‰‘‡•–‘ ‘˜‡”‘”‹‰‹ƒ–‹‘
ƒ†‘ˆˆ‹ ‡ ‘•–•ǡ‹ Ž—†‹‰ ‘‹••‹‘–‘–Š‡Ž‘ƒ‘ˆˆ‹ ‡”Ǥ
Dz‡†‘–Š‡•ƒ‡–Š‹‰ǡ‡š ‡’–‹•–‡ƒ†‘ˆ›‘—” Ž‹‡–„‡‹‰•–— 
™‹–ŠŒ—•–‘‡Ž‡†‡”‘”„ƒǡ™‡Šƒ˜‡†‘œ‡•‘ˆŽ‡†‡”•ƒ†ˆ‹ƒ ‹ƒŽ
‹•–‹–—–‹‘•–Šƒ–™‡ ƒ•‡†‘”„”‘‡”–Š‡Ž‘ƒ–‘Ǥ
Dz ˆ›‘—” —•–‘‡”™ƒŽ•‹–‘ƒŽ‘ ƒŽ„ƒǡ–Š‡”‡ǯ•‘™ƒ›ƒŽ‘ƒ
‘ˆˆ‹ ‡”‹–Šƒ–„ƒ™‘—Ž†•ƒ›ǡǮŠ‡„‡•–”ƒ–‡™‡Šƒ˜‡‹•͸Ǥ͹ͷ’‡” ‡–ǡ
„—–‹ˆ›‘—‰‘†‘™–Š‡„Ž‘ ǡƒ‘–Š‡”Ž‡†‡”‹•‘ˆˆ‡”‹‰͸Ǥʹͷ’‡” ‡–Ǥǯ
Š‡ ›‘—” Ž‹‡– Šƒ• —• ™‘”‹‰ ˆ‘” –Š‡ǡ ‹– †‘‡•ǯ– ƒ‡ ƒ›
†‹ˆˆ‡”‡ ‡–‘—•™Š‹ ŠŽ‡†‡”™‡•‡†–Š‡–‘Ǥ –ǯ•ƒŽŽƒ„‘—–ˆ‹†‹‰
–Š‡„‡•–‹–‡”‡•–”ƒ–‡ƒ†–Š‡•‘‘–Š‡•–†‡ƒŽǤ
Dz‡–ǯ••ƒ››‘—ˆ‹†ƒ Ž‹‡–™Š‘‡‡†•–‘„‘””‘™ʹͲͲǡͲͲͲ†‘ŽŽƒ”•Ǥ
‡’”‘ ‡••–Š‡ˆ‹Ž‡ǡ†‘–Š‡”‡•‡ƒ” Š–‘ˆ‹†–Š‡„‡•–†‡ƒŽǡ•‡†‹––‘
–Š‡Ž‡†‡”ƒ†–Š‡Š‡Ž’–Š‡ǡƒŽ‘‰™‹–Š–Š‡‡• ”‘™ ‘’ƒ›ǡ‰‡–‹–
Ž‘•‡†Ǥ– Ž‘•‹‰ǡ‘‡’‡” ‡–ǡ‘”ʹǡͲͲͲ†‘ŽŽƒ”•ǡ‰‘‡•–‘–Š‡ Ž‡†‡”
ƒ† –Š‡ ‘–Š‡” ‘‡ ’‡” ‡–ǡ ‘” ʹǡͲͲͲ †‘ŽŽƒ”•ǡ ‰‘‡• –‘ ‘—” ‘’ƒ›Ǥ
‘—ǯ”‡‘ƒͷͲǦͷͲ•’Ž‹–ǡ™Š‹ Š‡ƒ•–Šƒ–›‘—”‡ ‡‹˜‡ͷͲ’‡” ‡–‘ˆ
ƒŽŽ–Š‡Ž‘ƒˆ‡‡•›‘—‰‡‡”ƒ–‡ˆ‘”–Š‡ ‘’ƒ›‡˜‡”›‘–ŠǤ –Š‹•
‡šƒ’Ž‡ǡ›‘—ǯ†‰‡–ͷͲ’‡” ‡–‘ˆ–Š‡ʹǡͲͲͲ†‘ŽŽƒ”•Ȃ‘”ͳǡͲͲͲ†‘ŽŽƒ”•
‹ ‘‹••‹‘Ǥdz
‹ ǯ•Š‡ƒ†™ƒ••’‹‹‰ǡ„‡ ƒ—•‡Š‡™ƒ•—•‡†–‘ Ž‘•‹‰ʹͲ–‘
͵Ͳ Ž‘ƒ• ƒ ‘–Š ƒ– ‘‡‰ƒ–‡ǡ ™Š‡”‡ Š‡ ™ƒ• ’ƒ‹† ͳǡͷͲͲ ˆ‘” –Š‡
‘–Š ’Ž—• ʹͲ –‘ ͵Ͳ †‘ŽŽƒ”• ‘‹••‹‘ ˆ‘” ‡ƒ Š Ž‘ƒǤ ˆ Š‡ ‘—Ž†
‡˜‡ †‘ ʹͲ ’‡” ‡– ‘ˆ –Šƒ– —„‡” ‘ˆ Ž‘ƒ• ‘™ǡ Š‡ǯ† ƒ‡ –Š”‡‡
–‹‡•™Šƒ–Š‡ƒ†‡ƒ– ‘‡‰ƒ–‡ǡ‘––‘‡–‹‘–Š‡‘–Š‡”„‡‡ˆ‹–•
–Šƒ– ƒ‡™‹–Š–Š‹•‡™’‘•‹–‹‘Ǥ

43. ‘ˆ‡••‹‘•‘ˆƒ‘”–‰ƒ‰‡ •‹†‡”
36
‡ –—”‡† Š‹• ƒ––‡–‹‘ „ƒ  –‘ –Š‡ ˜‹ ‡ ’”‡•‹†‡– ƒ† ƒ•‡†ǡ
DzŠƒ–ǯ•–Š‡„‡•–™ƒ›–‘‰‡–•–ƒ”–‡†ǫdzŠ‡‰ƒ˜‡‹ –Š‡„‡•–ƒ†˜‹ ‡•Š‡
Šƒ†ǡ™Š‹ Š ™ƒ•ǡDzŠ‡ ‘•–•— ‡••ˆ—ŽŽ‘ƒ‘ˆˆ‹ ‡”•†‡˜‡Ž‘’”‡Žƒ–‹‘Ǧ
•Š‹’•™‹–Š”‡ƒŽ‡•–ƒ–‡ƒ‰‡–•Ǥdz‘”‹‰™‹–Š”‡ƒŽ‡•–ƒ–‡ƒ‰‡–•™ƒ•ƒ
Œ‘›–Šƒ–‹ ‡™‘–Š‹‰ƒ„‘—–Ǥ ƒ ‘–‹—‡†ǡDz•‡–Š‡ ‘’‹‡”ƒ†
‘Ž‘”‡† ’ƒ’‡” –‘ ”‡ƒ–‡ ƒ† ’”‹– —’ ˆŽ‹‡”•Ǥ ‹  ƒ †‘œ‡ ‘” •‘ ”‡ƒŽ
‡•–ƒ–‡ ‘’ƒ‹‡•ƒ†•–ƒ”–™ƒŽŽǦ’ƒ’‡”‹‰–Š‡–™‹ ‡ƒ™‡‡Ǥdz
‹ †‹†‡šƒ –Ž›–Šƒ–Ǥ˜‡”›‘”‹‰Š‡™‡–‹–‘–Š‡‘ˆˆ‹ ‡ƒ†
ƒ†‡ƒ ‘—’Ž‡Š—†”‡†—Ž–‹Ǧ ‘Ž‘”‡†ˆŽ‹‡”•ǤŠ‡Š‡Š‹––Š‡•–”‡‡–•Ǥ
Š‹•™ƒ•Š‘™Š‡‰‘–Š‹•ˆ‹”•––ƒ•–‡‘ˆ™‘”‹‰™‹–Š”‡ƒŽ‡•–ƒ–‡ƒ‰‡–•Ǥ
‹ ™ƒ•ƒƒœ‡†ƒ–Š‘™”‡ƒŽ–‘”• ‘—Ž†„‡•‘‹‰‘”ƒ–ƒ„‘—–ˆ‹ƒ Ǧ
‹‰ǡ•‘‡ƒŽ‘•––‘–Š‡’‘‹–‘ˆ‹ ‘’‡–‡ ‡ǡ›‡–•–‹ŽŽŠƒ˜‡‡‰‘•–Š‡
•‹œ‡‘ˆ‘ƒŽ†”—’ǯ•Ǥ
 ‡ƒ–ƒ„—•‹‡•••‡‹ƒ”ǡ–Š‡•’‡ƒ‡”Šƒ†™”‹––‡ƒ„‘‘™‹–Š
ƒ Šƒ’–‡” ‘’ƒ”‹‰ ”‡ƒŽ–‘”• –‘ –Š‡ — Ž—š Žƒ ™Š‡ ‹– ƒ‡ –‘
–Š‡‹” ‘–”‘Ž ‘ˆ ‹ˆ‘”ƒ–‹‘Ǥ Š‡ •’‡ƒ‡” •—‰‰‡•–‡† –Šƒ– ‘–”‘Ž ‘ˆ
‹ˆ‘”ƒ–‹‘™ƒ•Š‘™”‡ƒŽ–‘”•ƒ†–Š‡‰ƒ‹‡†ƒ†Š‡Ž†‘–‘–Š‡
ƒŒ‘”‹–›‘ˆ–Š‡‹”’‘™‡”Ǥ ‡•ƒ‹†–Šƒ–™Š‡Š‹•„‘‘™ƒ•”‡Ž‡ƒ•‡†ǡŠ‡
”‡ ‡‹˜‡† Š—†”‡†• ‘ˆ ƒŽŽ• ˆ”‘ ”‡ƒŽ–‘”•ǡ ‹†‹‰ƒ– ƒ† ’‹••‡† ‘ˆˆ
ƒ„‘—–„‡‹‰ ‘’ƒ”‡†–‘–Š‡ǤŠ‡‘•–•—”’”‹•‹‰–Š‹‰ˆ‘”Š‹ǡ
–Š‘—‰Šǡ™ƒ•–Š‡ˆƒ ––Šƒ–Š‡†‹†ǯ–”‡ ‡‹˜‡ƒ›’Š‘‡ ƒŽŽ•ˆ”‘–Š‡
ǨŠ‡™Š‘Ž‡”‘‘„”‘‡—’Žƒ—‰Š‹‰Ǥ
’–‘–Š‹•’‘‹–ǡ‹ Šƒ†ˆƒ ‡†’Ž‡–›‘ˆ”‡Œ‡ –‹‘–Š”‘—‰Š ‘Ž†
ƒŽŽ‹‰–‘•‡ŽŽ‹•—”ƒ ‡’‘Ž‹ ‹‡•ǡ™‘”‹‰ƒ– ‘‡‰ƒ–‡ǡ–”›‹‰–‘‰‡–
–Š‹•Œ‘„‹–Š‡‘”–‰ƒ‰‡‹†—•–”›ƒ†‘ˆ ‘—”•‡ Šƒ•‹‰‰‹”Ž•Ǥ–‹ŽŽǡŠ‡
™ƒ• ‘– ’”‡’ƒ”‡† ˆ‘” „‡‹‰ –”‡ƒ–‡† Ž‹‡ ƒ •‡ ‘†Ǧ ‘” ƒ›„‡ ‡˜‡
–Š‹”†Ǧ Žƒ•• ‹–‹œ‡„›ƒ‡–‹”‡‹†—•–”›‘ˆ”‡ƒŽ–‘”••‹’Ž›„‡ ƒ—•‡Š‹•
„—•‹‡•• ƒ”†•ƒ‹†Dz‘”–‰ƒ‰‡„”‘‡”Ǥdz
‡‹‰ ˜‡”› †‡–‡”‹‡†ǡ –Š‘—‰Šǡ Š‡ ‘–‹—‡† ™‹–Š –Š‡ ‘’‹‡”
ƒ†–Š‡ˆŽ‹‡”•Ǥ ‡•’‡–•‘— Š–‹‡ƒ––Š‡ ‘’‹‡”–Šƒ–ƒ––Š‡ ‘’ƒǦ
› Š”‹•–ƒ• ’ƒ”–›ǡ ’‡‘’Ž‡ ™Š‘ ™‘”‡† ˆ‘” ƒ ƒˆˆ‹Ž‹ƒ–‡† ‡• ”‘™

44. Šƒ’–‡”ͺȂŠ‡‘’‹‡” —›
37
‘’ƒ›‹–Š‡•ƒ‡„—‹Ž†‹‰ǡ‘–Š‡•ƒ‡ˆŽ‘‘”ƒ•‡†ǡDzŠƒ–ǯ•–Š‡
‘’‹‡”‰—›†‘‹‰ƒ––Š‡ ‘’ƒ›Š”‹•–ƒ•’ƒ”–›ǫdz
Š‡ˆŽ‹‡”•–”ƒ–‡‰›™ƒ•ǯ–™‘”‹‰˜‡”›™‡ŽŽˆ‘”‹ Ǥ –‰‡‡”ƒ–‡†
ƒ ˆ‡™ Ž‡ƒ†•ǡ „—– –Š‡ Ž‡ƒ†• ‹– ‰‡‡”ƒ–‡† ™‡”‡ ‘ˆ–‡ –‡””‹„Ž‡ „‡ ƒ—•‡
–Š‡›Šƒ†„‡‡–—”‡††‘™„›‡˜‡”›‘–Š‡”Ž‡†‡”ƒ†‘Ž› ƒ‡–‘
‹ ƒ•ƒŽƒ•–”‡•‘”–Ǥ
‹ †‡ ‹†‡†–‘–”›–Š‡’Š‘‡•Ǥ ‡Šƒ†Ž‘–•‘ˆ‡š’‡”‹‡ ‡–Š‡”‡
ƒ† ˆ‹‰—”‡† ‹– ‘—Ž†ǯ– „‡ ƒ› ™‘”•‡ –Šƒ ™Šƒ– Š‡ǯ† „‡‡ –Š”‘—‰Š
™‹–Š –Š‡ ”‡ƒŽ–‘”•Ǥ ‡‡„‡”ǡ –Š‹• ™ƒ• ƒŽ‘•– ʹͲ ›‡ƒ”• ƒ‰‘ǡ •‘ ‘–
‘Ž› ™ƒ• ‹– •–‹ŽŽ ”‡•’‡ –ƒ„Ž‡ –‘ „‡ ƒ ‘”–‰ƒ‰‡ „”‘‡” ȋƒ– Ž‡ƒ•– –‘
‡˜‡”›‘‡‡š ‡’–”‡ƒŽ–‘”•Ȍǡƒ††‹ˆˆ‹ —Ž––‘‰‡–ƒŒ‘„‹–Š‡‹†—•–”›ǡ
„—– –Š‡ ‘ˆˆ‹ ‡ ’Š‘‡• ”ƒ‰ ˆƒ‹”Ž› ”‡‰—Žƒ”Ž› ™‹–Š ’‡‘’Ž‡ ƒŽŽ‹‰ ˆ‘”
‹–‡”‡•– ”ƒ–‡ “—‘–‡• ‘” –‘ Šƒ˜‡ ˜ƒ”‹‘—• ”‡ƒŽ ‡•–ƒ–‡ ƒ† ‘”–‰ƒ‰‡
“—‡•–‹‘•ƒ•™‡”‡†Ǥ
‹ †‹†ǯ–‰‡––‘ƒ•™‡”–Š‡’Š‘‡•”‹‰Š–ƒ™ƒ›†—‡–‘Š‹•Žƒ 
‘ˆ ‡š’‡”‹‡ ‡ǡ „—– ƒˆ–‡” ‰‡––‹‰ Š‹• –‡‡–Š ‹ ‡† ‹ „› ƒ „— Š ‘ˆ
”‡ƒŽ–‘”•ǡŠ‡ˆ‹ƒŽŽ›‰‘–Š‹• Šƒ ‡Ǥ ‹”•–ǡŠ‡•’‡––‹‡Ž‹•–‡‹‰–‘–Š‡
‘”‡‡š’‡”‹‡ ‡†Ž‘ƒ‘ˆˆ‹ ‡”•–ƒ‹‰’Š‘‡ ƒŽŽ•ǡDz ‡ŽŽ‘Ǥ‡•ǡ–‘†ƒ›ǯ•
͵ͲǦ›‡ƒ”ˆ‹š‡†‹–‡”‡•–”ƒ–‡‹•ǡ—ŠǡŽ‡–ǯ••‡‡–‡Ǧƒ†ǦƒŠƒŽˆ’‡” ‡–™‹–Š
ƒ–™‘’‡” ‡–Ž‘ƒˆ‡‡Ǥƒ›ǡ–Šƒ•ˆ‘” ƒŽŽ‹‰Ǥdz
‡Ž‹‡˜‡ ‹– ‘” ‘–ǡ –Š‹• ‡–Š‘†ƒ –—ƒŽŽ› ’—ŽŽ‡† ‹ ƒ Ž‘ƒ ‘” –™‘
‘‘ ƒ•‹‘ǤŠ‡‹ •–ƒ”–‡†‘–Š‡’Š‘‡•ǡŠ‹•‡–Š‘†™ƒ•“—‹–‡
ƒ„‹–†‹ˆˆ‡”‡–Ǥ ‡ǯ†Œ—•– ‘‡ˆ”‘ ‘‡‰ƒ–‡ƒ†™ƒ•—•‡†–‘•‡ŽŽ‹‰
‹–‡”‡•– ”ƒ–‡• „‡–™‡‡ ʹͳǤͻ ’‡” ‡– ƒ† ͵͵ ’‡” ‡–Ǥ Š‡ Žƒ•– –Š‹‰
Š‡ ™‘—Ž† †‘ –Š‡”‡ ™ƒ• “—‘–‡ ƒ ‹–‡”‡•– ”ƒ–‡ ‘˜‡” –Š‡ ’Š‘‡Ǥ –
‘‡‰ƒ–‡ǡ‹ˆ•‘‡‘‡ ƒŽŽ‡†Ž‘‘‹‰ˆ‘”ƒ”ƒ–‡“—‘–‡‹–™ƒ•Š‹•Œ‘„ƒ•
ƒŽ‘ƒ‘ˆˆ‹ ‡”–‘‰‡–ƒƒ’’‘‹–‡–Ǥ ˆŠ‡‡˜‡”•ƒ‹†ǡDz‡ ƒ‘ˆˆ‡”›‘—
ʹ͸ ’‡” ‡– –‘†ƒ› ˆ‘” ˆ‘—” ’‘‹–•ǡdz –Š‡ ‡š– •‘—† Š‡ ™‘—Ž† Š‡ƒ”
™‘—Ž†„‡ƒ†‹ƒŽ–‘‡Ǥ
‹ •Š‘™‡†—’‡ƒ‰‡”ˆ‘”Š‹•ˆ‹”•–†ƒ›‘–Š‡’Š‘‡•ǤŠ‡ˆ‹”•– ƒŽŽ
ƒ‡–Š”‘—‰Š–‘Š‹•†‡•ǡDz ‘‘†‘”‹‰ǡ–Š‹•‹•‹ ǡdzŠ‡ƒ•™‡”‡†