cho vay tiêu dùng tại phòng giao dịch tôn Đức thắng, ngân hàng thương mại cổ...

8/2/2019 Cho vay tiu dng ti phng giao dch Tn c Thng, ngn hng thng mi c phn Chu, chi nhnh H Ni-

1/39

An hn ikl }w

Fh `h

Xklc rkl5 Ld Cld Clc & : &

F xklc rkl5 73?87877?:


2/39

An hn ikl }w

Mjlc fh hh } rk} }}

JHA5 Ldl cld }cld fk h wcl Hcu

LC]F5 ldl cld }cld fkLCLL5 ldl cld lc lh

WDM5 wcld dkjn mkhc

HR]M5 hcn rj{ }ku mld

ICHL5 ichc cld h lcl

ICML5 ichc cld mnjlc ldckw

Mjlc fh hh ald aku

Ald :5 }lc clc cn} ld hculd hj wcld dkjn mhc ]l h ]cld

Ald 15 }lc clc cu{ ld rl hj wcld dkjn mhc }qnld }ck dkjl } 72.1773&

7?.17::

Ald 85 x `ku }ld cw r cn} ld hcn rj{ hj wcld dkjn mhc

Ald =5 x `ku r cn} ld mhc r hj WDM }qnld }ck dkjl } huk lf 1773 l

87.72.17::

Ald ?5 zu{ f cn} ld hcn rj{ }ku mld

Ald 25 m l hcn rj{ }ku mld

Ald 45 } }qld m l hcn rj{ }ku mld }qnld }ld m l

Ald 35 i} zu cn} ld hcn rj{ }ku mld dkjk nl 1773&17:7

Xklc rkl5 Ld Cld Clc & 1 &

F xklc rkl5 73?87877?:


3/39

An hn ikl }w

@k f u

]qnld ll iklc } hlc }qjlc ld{ hld dj{ d} ckl lj{, lc} ` xju ick Rk}

Ljf dkj lcw } hch ]cld fk }c dkk #T]N+, hh ldl cld }cld fk#LC]F+ ful }l }k r wc} }qkl }c wck icld ldld } cnl }ckl r `f fkflc wc cw rk zu{ ù} wc} }qkl hculd F qld r lld hjn hc} `ld mhc rldl cld ` f} }qnld lcld lk muld h al hj zu }qlc }ch ckl l h hu `kf} hhc }nl mkl r lld hjn lld `h hlc }qjlc hj hh ldl cld

Cn} ld hj c }cld ldl cld h wcf rk qld, }h ld flc f l hh`lc rh iklc } & s ck, l hh hc }c iklc }, hh }clc wcl iklc }, }h ld llcku cn} ld ich Hclc r r{ f ldlc ldl cld ùl wck } k fk wccw rk su }c }ck k, `f hcn cn} ld hj flc h cku zu lc}, }n r }c hlc

}qjlc }ql }qld zuh } r huld ld xl wcf mhc r hcn ichc cld }} lc}, kfk m{ hcu{l hld ldc, lld hjn hc} `ld ldul lcl `h

Cn} ld ldl cld h q} lcku ldckw r, h lcld ldckw r icld xklc`k cnh xklc `k }cw r h lcld ldckw r xklc `k q} hjn Mk dh iklc mnjlcldl cld }c ldckw r }l mld ùl ` ldckw r h al hj ldl cld }cld fk]cld zuj ldckw r }l mld, hh ldl cld }cld fk huld ld f} ick `ldrl `l hcn ll iklc } w ld {u hu wc} }qkl xl su} iklc mnjlc, }ld}qld iklc }, fh xld hj ldk ml h lcku }cj{ k, `k lcul }cu h zuj

cn} ld l{ hckf wcl `l }qnld `k lcul ldl cldHh clc }ch }l mld q} j mld F} }qnld lcld clc }ch cw ml hj }lmld ldl cld ` hcn rj{ }ku mld Clc }ch l{ wc} }qkl } ù }ql }c dkklcld rl hl ic fk f Rk} Ljf ]u{ fk wc} }qkl q }qnld rk lf dl {lcld clc }ch }l mld l{ }n h x cw ml r hckf } }qld ic hjn }qnldhh clc }ch }l mld Rk} Ljf

@ f} xklc rkl hcu{l ldlc }k hclc ldl cld, ald lcld rl ikl }ch h }kw }cu }qld hld rk x cku ak} h cl } }ch } }qnld zu }qlc }ch}w }k ldl cld }cld fk h wcl Hcu hck lclc C Lk, wcld dkjn mhc ]l

h ]cld, of hcl }k5 Hcn rj{ }ku mld }k wcld dkjn mhc ]l h]cld, ldl cld }cld fk h wcl Hcu, hck lclc C Lk& ]ch }qld r

dkk wcw`f }k an hn ikl }w hj flcI} hu hj ak an hn ldnk wcl f u r i} ùl df 8 hcld5

Hcld :5 ]ld zujl r cn} ld hcn rj{ }ku mld hj ldl cld }cld fkHcld 15 ]ch }qld hcn rj{ }ku mld }k wcld dkjn mhc ]l h ]cldHcld 85 Dkk wcw wc} }qkl cn} ld hcn rj{ }ku mld }k wcld dkjn mhc]l h ]cld


F xklc rkl5 73?87877?:


4/39

An hn ikl }w

Hcld K5 H x ` `ul r hcn rj{ }ku mld }k

hh LC]FK, Ick zu} r LC]F:: Ick lkf r h kf LC]F

Cn} ld ldl cld, rk hh ldckw r }qu{l }cld ` lcl }kl dk, hcnrj{ r huld ld mhc r }cjlc }nl hcn ichc cld, qj k ick zujl c xl su} r}qjn k cld cj hj s ck wc} }qkl fh hjn Zu }qlc cnl }ckl hhldckw r ldl cld r x qj k f} ldl cld cnl hclc in mk cld ldcllf, a} u } cn} ld ldl cld x icjk rn icnld 8?77 lf }qh Hld

ldu{l hld rk x ick u hj hh }ck} hc } hch s ck Lc r{ LC]F clc }clc }l }k r wc} }qkl cld }qf lf dl `kl rk x wc} }qkl hj iklc }cld cj X wc} }qkl hj c }cld LC]F h }h ld q} `l r zujl }qldl zu }qlc wc} }qkl hj ll iklc } r }q }clc lcld lc hc }k hclcicld }c }cku h

Hcn l }ck kf l{ h q} lcku ick lkf r LC]F

& F 5 Ldl cld }cld fk ` hld }{ iklc mnjlc }kl }, hcu{l huld hwmhc r }k hclc r cn} ld }qnld ldlc hld ldckw mhc r }k hclc

& n `u} ldl cld hj Wcw #:;=:+ hld lc ldcj5 Ldl cld }cldfk ` lcld s ldckw cj{ h x f ldc ldckw }cld su{l ` lcl }klah hj hld hcld mk clc }ch i }ch, cnh mk hh clc }ch ich r xmld }k ldu{l hcn hclc c }qnld hh ldckw r r hck} icu, }l mld r}k hclc

& ]k Rk} Ljf 5 }con @u} } hch }l mld x 71. ;4. ZC :7 ld{ :1.:1.:;;4lc ldcj LC]F ` `nk clc } hch }l mld h }ch ckl }nl a cn}ld ldl cld r hh cn} ld iklc mnjlc ich h `kl zujl ]qnld , cn}ld ldl cld ` cn} ld iklc mnjlc }kl } r mkhc r ldl cld rk lk

muld }cld su{l ` lcl }kl dk, x mld }kl l{ hw }l mld r huldld hh mhc r }cjlc }nl

:1 Hch lld hj LC]F:1: Hch lld }quld dkjl }l mld

]ch ckl hch lld }quld dkjl }l mld, LC]F ld rjk }q ` hu lkdkj ldk m }cj rl r ldk hl rl }qnld ll iklc }

Xklc rkl5 Ld Cld Clc & = &

F xklc rkl5 73?87877?:

Ldk m

}cj rl

Ldl cld

}cld fk

Ldk hl

rl

Dk }kl Hcn rj{


5/39

An hn ikl }w

Rk hch lld l{, LC]F rj ld rjk }q ` ldk k rj{ rj ld rjk }q `ldk hcn rj{ ku l{ dw wcl }n `k hc hcn }} h hh al }cjf dkj, ajndf ldk dk }kl, ldl cld r ldk k rj{, ld }ck }ch { x wc} }qkl hjll iklc }

H }c lk, hch lld }quld dkjl }l mld ` hch lld zujl }qld lc} hjLC]F r l wcl lc al hc} hj LC]F ` k rj{ hcn rj{, l zu{} lc x }l}k r wc} }qkl hj ldl cld ld }ck, l hld ` h x }ch ckl hh hchlld ich

:,1,1, Hch lld }quld dkjl }cjlc }nlLC]F }ch ckl hch lld }quld dkjl }cjlc }nl }ql h x }ch ckl hch

lld }quld dkjl }l mld { LC]F ld rjk }q ` }c zu hcn hh mnjlc ldckw r h lcl, }ch

ckl hh }cjlc }nl }con {u hu hj ichc cld lc }qhc }kl } }k icnl }kl dkhj c }cjlc }nl }kl cld cj, mhc r cnh lcw rn }k icnl }kl dk hjichc cld }kl }cu al cld r hh icnl }cu ich }con `lc hj c Hh LC]Fhuld hw hcn ichc cld lcku wcld }kl }cjlc }nl }kl `k lc xh, { lckf hck,

{ lckf }cu, }c q} }kl, }c }cjlc }nl, }c }l mld ]{ }con lcu hu, ichc cldh }c hcl hcn flc wcld }ch }cjlc }nl wc cw Lc f hh hc }c iklc }icld wck dk }kl }qnld }k, fjld }con }kl dw hc l, dw ldk wck }cjlc }nlm dl cj{ sj f c h }c x mld f} wcld }ch ln }ch ckl hh icnl}cjlc }nl Mn r{ hh hc }c iklc } x }k} ikf h q} lcku hck wc, }ck dkjl, `kf an }cjlc }nl jl }nl Hch lld l{ r clc hculd }ch { `u }cld cldcj, { lcjlc }h }cjlc }nl, }h `u hcu{l rl, } dw wcl wc} }qkliklc } k rk LC]F, hch lld l{ dw wcl }ld }cf `k lcul hcn ldl cld}cld zuj rkh }cu wc }cjlc }nl Hch lld l{ hld hclc ` h x clc }clc hch

lld }n }kl hj LC]F:,1,8, Hch lld }n }kl

]n }kl ` f} hch lld zujl }qld, wcl lc q al hc} hj ldl LC]FRk fh }ku ` }f ikf `k lcul lc ` f} {u hu hclc hcn x }l }k r wc}}qkl hj flc, hh LC]F rk ldckw r iklc mnjlc fjld }lc h }c hj flc r clc hculd }ch ckl hch lld }n }kl hcn ll iklc } Ick ldl cld hc }chckl hch lld lcl }kl dk f hcj hcn rj{, ldl cld hcj c }n }kl, hc ick}ch ckl hcn rj{, ldl cld fk a} u }n }kl ` f} wc} fklc `l }qnld cn}

Xklc rkl5 Ld Cld Clc & ? &

F xklc rkl5 73?87877?:

{ }chldl cld

u }


6/39

An hn ikl }w

ld ldl cldHch lld }n }kl h }ch }ck }ql h x cjk hch lld ich hjLC]F ` hch lld }l mld r hch lld }cjlc }nl ]cld zuj hch lld }qulddkjl }l mld, ldl cld x mld x rl cu{ ld h hcn rj{, x }kl hcn rj{ qj`k h ichc cld x mld fuj cld cj, }cjlc }nl mhc r }qnld ick x m }ql

}k icnl }kl dk }cjlc }nl hj ichc cld rl h hnk ` f} a wcl hj }kldkjn mhc, h c x mld fuj cld cj, }cjlc }nl mhc r Rk hch lldl{, c }cld LC]F `f }ld }ld wcld }kl }cjlc }nl }qnld ll iklc }, wld lcu hu }cjlc }nl, hck }q hj s ck

]f `k, hh hch lld hj LC]F h fk zujl c hc} hc, a xuld, c }qhcn lcju, }qnld hch lld }quld dkjl }l mld ` hch lld h al lc}, }n h xhcn rkh }ch ckl hh hch lld xju ld }ck ick ldl cld }ch ckl }} hchlld }quld dkjl }cjlc }nl r hch lld }n }kl `k dw wcl `f }ld ldul rl }lmld, f qld cn} ld }l mld

:8 Hh cn} ld hc {u hj LC]F:,8,:, Cn} ld cu{ ld rl

Lc hcld }j ak}, a} h f} } hch iklc mnjlc ln ick }cjf dkj rn lliklc } u hl l rl r iklc mnjlc ldl cld hld icld wck ldnk ` Ldulrl hj ldl cld ajn df5

& Rl ku ` 5 ` icnl rl }cuh x cu hj ldl cld, dck }qnld al ku `hj ldl cld, h clc }clc ldj{ } ick LC]F h }clc `w

& Z{ m }q 5 h clc }clc } 1 zu ` zu m }q a xuld rl ku ` r

hh zu m }q h ak} a w qk qn& Rl hnk lc } h 5 ajn df hh icnl rl }f }ck lcl qk hj ldl cld& Rl }kl dk 5 { ` ldul rl zujl }qld lc} }qnld x rl }cu c} } al

ldnk hj hh LC]F

& Rl k rj{ 5 }qnld zu }qlc cn} ld, ldl cld hl h }c rj{ rl }LC]T cj{ hh } hch }l mld ich, cnh } }c }qld }k hclc }qnld rldnk lh

& Hh ldul rl ich 5 rl }k }q, rl u } wc} }qkl, rl { }ch u } hcn rj{ }con hh hcld }qlc, m l s{ mld, r rl clc }clc }qnld zu

}qlc cn} ld hj ldl cldLu ldl cld h hld lcku rl }c hld }n h ck hcn ldl cld f qld

iklc mnjlc mn f hh ldl cld `ul }f ikf lcld ldul rl rk hck wc }cwr l lc, j mld cj hh clc }ch r `k xu} }kl dk, dk{ l lcf }cu c} hlcku rl lc} }qnld dkk cl h }c:,8,1, Cn} ld x mld rl

@ cn} ld f ldl cld x mld ldul rl u } cnh hw }l mld# hcn rj{, hcn }cu,+ Cn} ld }l mld ` cn} ld hckf } }qld `l lc} }qnld


F xklc rkl5 73?87877?:


7/39

An hn ikl }w

}ld }k xl hj ldl cld r ` cn} ld fl `k lcku `k lcul lc} hcn ldlcld ]u{ lckl cn} ld u } r }l mld hld fjld `k ic lcku qk qn mn ldl cld q} hl }qld ick }ch ckl hh ldckw r l{:,8,8, Cn} ld iklc mnjlc ldnk }

Ldl cld ld qj fuj cnh al ldnk } r }cu `k lcul lc hclc `hc }dk r }cu wc mhc r Ld{ lj{, cn} ld l{ h f qld rk q} lcku clc }chr ldckw r wcnld wc 5 fuj al, }qjn k, dk rj{ hh `nk ldnk } }cld zuj hhcw ld i cl, cw ld dkjn ldj{, cw ld cnl k, cw ld zu{l hcl, cwld }ld `jkHh LC]F }cjf dkj iklc mnjlc ldnk ck rk cjk fh hc hclc 5f} ` ldl cld huld hw mhc r hcn ichc cld hc {u ` fuj c r al c ,}cld zuj ldl cld }cu f} icnl wc mhc r 9 cjk ` ldl cld iklc mnjlcldnk ck lcf ikf `k ick } dk }ql }c }qld akl ld:,8,=, Hh cn} ld ich

Hh cn} ld hj ldl cld hld ld{ hld h f qld r wc} }qkl Wo}oqQnxo h lk 5 LC]F }ch ckl lcku hch lld }k hclc lc} xn rk a} i f} }hch iklc mnjlc ln }qnld ll iklc }

F} x hh cn} ld ich hj ldl cld h }c i l ` 5huld hw hh }kicnl dkjn mhc r }ch ckl }cjlc }nl, zul ` ldl zu, mhc r { }ch r } rl,mhc r fk dkk u } hcld icnl, an ckf, Hh cn} ld l{ fjld `k }culcw hcn ldl cld }cld zuj rkh ldl cld }cu hh icnl wc mhc r H }c lkhh cn} ld l{ hcj ld } qk qn ll hh ldl cld ckl k jld ld{ hld f

qld hh cn} ld mhc r l{:= Cn} ld hcn rj{ hj LC]F:,=,:, Ick lkf hcn rj{

Hcn rj{, hl dk ` }l mld, ` rkh f} al #al hcn rj{+ huld hw ldul }khclc hcn k }ld ich #al k rj{+ }qnld al k rj{ x cnl }q }k hclc hcn

al hcn rj{ }qnld f} }ck cl }cj }cul r }cld if }con `k xu} Mn cn} ldl{ `f wc} xklc f} icnl lll al hcn rj{ hl dk ` hc l, al k rj{ dk` hnl l Mn , ]l mld wcl lc fk zujl c dkj cjk al & F} al ` ldk hcnrj{, r f} al ` ldk k rj{ Zujl c dkj cjk al qld auh ak h hc }l mld,

}cj }cul }ck dkjl hcn rj{, `k xu} wck }q,k rk LC]F, hcn rj{ h hcn ` cn} ld zujl }qld lc}, hckf } }qld

icnld 47/ & 37/ Mn hh ldl cld ùl ùl }f ikf hh h ck hcn rj{ Clc}ch }l mld }qu{l }cld hj LC]F ` hcn rj{ ldl cl h f an ald }k xlXju l{ clc }ch }l mld h f qld }clc lcku clc }ch ich lcju lc hcnrj{ }c hcw ald a} ld xl, ald hh hcld icnl, ald dk{ } ù icn cnhicld hl }c hcw Hh ldl cld `l ckl lj{ }ch ckl j mld hh clc }ch }l


F xklc rkl5 73?87877?:
http://vi.wikipedia.org/wiki/L%C3%A3i_su%E1%BA%A5thttp://vi.wikipedia.org/wiki/N%E1%BB%A3http://vi.wikipedia.org/wiki/L%C3%A3i_su%E1%BA%A5thttp://vi.wikipedia.org/wiki/N%E1%BB%A3


8/39

An hn ikl }w

mld } hcn rj{ ldl, }quld r mk cl, an `lc hcn ichc cld fuj hh }k xl hcn }cu:,=,1, Hh clc }ch hcn rj{ hj LC]F:=1: Hl h }con }ck cl hcn rj{

& Hcn rj{ ldl cl 5 ` hh icnl rj{ h }ck cl l :1 }cld, h x mld a w x }cku c} rl `u ld hj hh mnjlc ldckw r hh lcu hu hck }ku ldlcl hj h lcl Hcn rj{ ldl cl hckf } }qld hjn lc} k rk hh LC]F

& Hcn rj{ }quld cl 5 ` `nk hcn rj{ h }ck cl }ql :1 }cld l ? lf, hx mld hc {u u } fuj xf }k xl h lc, hk }kl k fk }ck} a, hldldc, f qld xl su} iklc mnjlc, s{ mld hh m l fk h zu{ f lc r }ckdkjl }ck ck rl lcjlc

& Hcn rj{ mk cl 5 ` `nk hcn rj{ h }ck cl }ql ? lf, h x mld hwrl hcn s{ mld h al lc u } s{ mld hh s ldckw fk, hh hld }qlc }cuh

h x c }ld, hk }kl r f qld xl su} h zu{ f `l:=11 Hl h }con }lc hc} f an hj rl rj{

& Hcn rj{ h f an icld ald }k xl 5 ldcj ` hcn rj{ f icld hl }kxl hf h, }c hcw cnh an `lc hj ldk }c aj Rkh hcn rj{ hc mj rn

wcld l rj{ rl ic }ck, u{ }l hj al }cl ichc cld cnh hj ldk an `lc& Hcn rj{ h f an ald }k xl 5 ldcj ` hcn rj{ h }k xl hf h, }c

hcw cnh an `lc hj al }c aj, cnh an f ald }k xl clc }clc } rl rj{X an f l{ hclc ` hl h wcw ` ldl cld h }cf f} ldul }cu l }c

cjk, a xuld hcn ldul }cu l }c lc} }cku hch hcl:=18 Hl h rn fh hc x mld rl rj{& Hcn rj{ u } iklc mnjlc 5 h mld hw rl hcn hh lc mnjlc ldckw

r hh hc }c iklc } ich }kl clc xl su} r iklc mnjlc& Hcn rj{ }ku mld 5 ` clc }ch hw }l mld hcn hh h lcl w ld lcu

hu }ku mld lc 5 fuj xf lc hj, so h, f{ dk}, } `lc r hh lcu hu alc}cld cld ld{ { ` `nk }l mld h ic lld xklc `k ic `k, dw wcl lldhjn cku zu iklc mnjlc hj ldl cld

& Hcn rj{ lld ldckw 5 ` clc }ch hw wc} }l mld w ld lcu hu rj{

rl hj lld ml xl su} lld ldckw:,=,8, Ldu{l }h hcn rj{

& X mld rl rj{ ld fh hc }cj }cul }qnld cw ld }l mld& Cnl }q l dh r `k rl rj{ ld }ck cl }cj }cul }qnld cw ld

:,=,=, ku ikl hcn rj{& H lld `h wcw `& Fh hc x mld rl rj{ cw wcw& H ic lld }k hclc f an }q l }qnld }ck cl hf i}


F xklc rkl5 73?87877?:


9/39

An hn ikl }w

& H m l u }, wcld l xl su} iklc mnjlc, mhc r ic }ck r h ckuzu9 m l u } , wcld l wch r k xld ic }ck r wc cw rk hh zu{ lc

wcw `u}& ]ch ckl hh zu{ lc r an f }kl rj{ }con zu{ lc hj Hclc wc r

cld ml hj LCLL Rk} Ljf:,=,?, Wcld wcw hcn rj{

& Hcn rj{ }ld `l 5 ` wcld }ch hcn rj{ f fk `l rj{ rl ichc cld rldl cld u wck `f }c }h rj{ rl hl }ck} r i cw ld }l mld

& Hcn rj{ }con cl fh }l mld 5 ldcj ` ldl cld r ichc cld sh lcr }cj }cul f} cl fh }l mld, mu{ }q }qnld f} icnld }ck dkjl lc} lcClfh }l mld ` fh m l rj{ }k j h mu{ }q }qnld f} }ck cl lc} lc fldl cld r ichc cld }cj }cul }qnld cw ld }l mld

KK, Ldckw r hcn rj{ }ku mld hj LC]F1: Ick lkf r h kf hcn rj{ }ku mld1,:,:, Ick lkf hcn rj{ }ku mld

]l mld ` cn} ld hckf } }qld hjn lc} }qnld }ld }k xl hj LC]F rhld ` cn} ld fjld `k lcku `k lcul lc} hcn ldl cld

Hcn rj{ }ku mld hj LC]F ` f} clc }ch }k }q hj ldl cld hcn hclcx }ku mld hj h lcl r c dkj lc Ldl cld x hcu{l hcn hh h lcl cnhc dkj lc zu{l x mld f} icnl }kl rk lcld ku ikl lc} lc h }cj

}cul }qnld cw ld lcf wch r fh hc }ku mld hj ichc cld, h }c ` 5fuj lc, s{ xj lc, fuj so ck, hh mld h }qnld dkj lc, mu ch, Lc r{, hcn rj{ }ku mld ` ` f} xl wcf }l mld hl }ck} }qnld huh

xld ckl k ak l dkw ichc cld h }c x mld cld cj }qh ick c h iclld hck }q1,:,1, h kf hcn rj{ }ku mld,

& Zu{ f fk icnl rj{ lc ` lcld x `ld ldk rj{ lcku 5 hh h lclcj{ c dkj lc l ldl cld rj{ f} icnl }kl ln }c }cld icnl }kl l{icld `l `f # }q hh icnl rj{ r zu{l x mld }, fuj lc, fuj n}n xjld

}qld, + r lcld cld cj }ku mld h dk }q icld `l xn rk lcld ldu{l r}`ku, hld h mld h mld }qnld iklc mnjlc ]u{ lckl, hh icnl hcn rj{ }ku mld`k h x `ld q} `l, j mld mn lcu hu hj hnl ldk icld ajn dk h dkk cl

& @k xu} hj hh icnl hcn rj{ }ku mld cu lc ` hjn cl xn rk lcldicnl rj{ ich }qnld ldl cld mn qk qn hj icnl rj{ l{ hjn r ic ikf xn}Ak r ldul }q l ` }cu lcw }cld su{l hj ldk k rj{ lcld ldk k rj{ h}c f, }jk ll, f} rkh, a} h ick ln f ldl cld x icld m nl }qhh Rkh }cf lc ic lld }q l hj h lcl r c dkj lc ic icl cl lcku

Xklc rkl5 Ld Cld Clc & ; &

F xklc rkl5 73?87877?:


10/39

An hn ikl }w

xn rk hh mnjlc ldckw ak r k rk hh mnjlc ldckw ldl cld h }c }cf lcic lld }q l }cld zuj hh an hn }k hclc h ikf }nl h `w, hl hh hlcl r c }ku mld ldl cld hc h }c mj rn }k xl h lcl, `ld r hh icnl}cu lcw ich

& Hh icnl hcn rj{ }ku mld h hck wc ic `l, rkh }cf lc hh icnl hcnrj{ }cld }l lcku }ck dkjl r }kl ah ku l{ ` mn hck wc hcn a} i f}icnl rj{ ln hld ajn df }cf lc ichc cld, hck wc k `k, hck wc }cld }kl,

& ]cld }cld hh h lcl r c dkj lc ick skl rj{ }ku mld }cld hcrj{ f} `l, } ick h lcu hu rj{ `k, ku l{ icld dkld lc hcn rj{ iklc mnjlcHh mnjlc ldckw h lcu hu r rl wc} xklc }con hcu i xl su} iklc mnjlc mn cj{ `w k `w `k Mn lu icld h hh dkk wcw f qld hcn rj{ }ku mld }cldl cld x ml f} k ldul ichc cld }kf lld l{

& Lcu hu rj{ }ku mld hj ichc cld }cld wc }cuh rn hcu i hj lliklc } L }ld `l }qnld }ck i ll iklc } f qld, ick fk ldk `h zujl r}ld `jk Ldh `k, ick ll iklc } qk rn xu{ }cnk, q} lcku c dkj lc hf }c{icld }kl }ld r h ak} ick c }c{ }lc }qld }c} ldckw dkj }ld }c c x clhc rj{ }kl } ldl cld

& Fh }cu lcw r }qlc ch rl ` cjk {u } lc cld q} `l l lcu hurj{ }ku mld hj ichc cld

& Ick rj{ }kl, ldk }ku mld mld lc if lc{ hf rk `k xu} C zujl

}f l icnl }kl c wck }q cld }cld cl ` `k xu} f c wck hcu ] hhc hjichc cld hld ` {u } h }c `f }ld fh qk qn k rk icnl rj{ }ku mldak r ic sh lc lcld `k q} zujl }qld }qnld zu{} lc cnl }q hj icnl rj{11 Wcl `nk hcn rj{ }ku mld1,1,:, Mj rn fh hc x mld }kl rj{

& Hcn rj{ }ku mld h }q 5 ` hh icnl rj{ lcf }k }q hcn lcu hu fujxf, s{ mld cnh hk }n lc hj hh h lcl cnh c dkj lc

& Hcn rj{ }ku mld wck h }q 5 ` hh icnl rj{ }k }q hcn rkh }qjld }qk hhhck wc fuj xf so h, mld dkj lc, hck wc ch clc, dkk }q r mu `hc,

1,1,1, Mj rn hhc }ch cnl }q& Hcn rj{ }l mld }q f} `l 5 ichc cld }cjlc }nl l hcn ldl cld f}

`l ick l cl @nk }k xl l{ }cld h dk }q lc r }ck cl x mld icld mk& Hcn rj{ }ku mld }q dw 5 ichc cld x }kl clc }q dh r `k }con lc i

lc} lc }cj }cul rk ldl cld @nk clc hcn rj{ l{ }cld w mld rklcld icnl rj{ h dk }q `l cnh }cu lcw lc i hj ichc cld icld }cjlc }nl c} f} `l ]cld }cld ldl cld x hcn rj{ f} icnl lc} lc dk

Xklc rkl5 Ld Cld Clc & :7 &

F xklc rkl5 73?87877?:


11/39

An hn ikl }w

}q }k xl f ichc cld hl fuj xf r ldk rj{ wck h }qhc lckf f} wcl}qnld }ld }k xl

& Hcn rj{ }ku mld }ul cnl5 ldl cld hcn wcw ichc cld x mld }c }lmld f hc }c h }c x mld rn fh hc h lcl r x }cjlc }nl hcn ldl cld

xju ]qnld }ck cl hcn rj{ }cj }cul }qh, hl h rn lcu hu hck }ku r }cu lcw}qnld }ld }ck i, ichc cld h ldl cld hcn wcw }ch ckl rkh rj{ r }q llcku i f} hhc }ul cnl }con f} cl fh }l mld Hh icnl rj{ l{ hckf }` `l lc} }qnld x cn} ld hj hcn rj{ }ku mld1,1,8, Mj rn clc }ch hcn rj{,118: Hcn rj{ }ku mld dkl }kw

@ clc }ch hcn rj{ }qnld ldl cld fuj `k hh icnl l wc} xklc mnlcld hld }{ al ` al hcu cld cj cj{ mhc r hcn ldk }ku mld

Hcn rj{ }ku mld dkl }kw }cld h }ch ckl }con x xju5

#?+#:+

#8+ #=+#1+

#:+ 5 ldl cld i i} cw ld fuj al l rk hld }{ al `#1+ 5 hld }{ al ` r ldk }ku mld i cw ld fuj al hcu

cld cj ]cld }cld ldk }ku mld x }q f} wcl dk }q}k xl hl fuj Xju hld }{ al ` dkjn cld hcn ldk }kumld

#8+ 5 Hld }{ al ` of hcld } al hcu cld cj l ldl

cld#=+ 5 Ldl cld }cjlc }nl }kl hcn hld }{ al `#?+ 5 Ldk }ku mld }cjlc }nl }kl }q dw hcn ldl cld

Rk clc }ch hcn rj{ }ku mld dkl }kw l{ dkw ldl cld m mld }ldmnjlc x hcn rj{ }ku mld, dkf h hck wc }qnld hcn rj{, f qld hh fk zujlc rk ichc cld r hh cn} ld ich hj ldl cld ]u{ lckl, mn ldl cldicld h }qh }kw }kw sh rk ichc cld ll x ic ikf xn} h c mn

Xklc rkl5 Ld Cld Clc & :: &

F xklc rkl5 73?87877?:

Ldl cld

Ldk }ku

mld

Hld }{

al `


12/39

An hn ikl }w

qk qn hjn R r{, }ch ckl hl wck h lcld hl a }l mld h }qlc hcu{lfl hjn1181 Hcn rj{ }ku mld }qh }kw

@ clc }ch hcn rj{ }qnld ldl cld }kw sh }qh }kw rk ichc cld, hcn

ichc cld rj{ r }cu l }qh }kw } ichc cldHcn rj{ }ku mld }qh }kw }cld h }ch ckl }con x xju 5

#:+ #8+#?+

#1+#=+

#:+ 5 ldl cld r ldk }ku mld i i} cw ld }l mld#1+ 5 ldk }ku mld }q }qh f} wcl x }kl fuj cld hcn hld }{ al `#8+ 5 ldl cld }cjlc }nl x }kl hl }cku hcn hld }{ al `

#=+ 5 hld }{ al ` dkjn cld hcn ldk }ku mld#?+ 5 ldk }ku mld }cjlc }nl }kl rj{ hcn ldl cld

Rk clc }ch hcn rj{ }ku mld }qh }kw dkw ldl cld }kw sh }qh }kw rkichc cld ku l{ `f hcn ldl cld h ku ikl }f cku r `j hcl ichccld , } j qj zu{} lc wc cw rk `k hc cjk al Cl lj, rkh zujl c }qh}kw rk ichc cld hl dkw ldl cld al hh xl wcf ich, s{ mld clc lc }}w hj ldl cld ]u{ lckl, hh fl rj{ hj clc }ch hcn rj{ }ku mld }qh }kw}cld lc ` ll `f }ld hck wc r ldl cld hld ic icl cl }qnld rkh f

qld zujl c }l mld rk ichc cld18 Zu{ }qlc hcn rj{ }ku mld hj LC]F

Zu{ }qlc hcn rj{ }ku mld }cld ajn df hh ah xju 5& Ah : 5]kw lcl c x }l mld r ikf }qj x a hh }cld }kl ichc cld

j qj }ql c x ah l{, hl a }l mld cld ml ichc cld `w c x hcn rj{ ld

}con fu zu{ lc hj ldl cld, ajn df 5 l skl rj{ rl9 wcld l rj{ rl r}q l, mjlc fh hh }k xl hf h, }c hcw r dk{ } `kl zujl9 hh dk{ } hcld


F xklc rkl5 73?87877?:

Ldl cld

Ldk }kumld

Hld }{al `


13/39

An hn ikl }w

fklc ldul }cu lcw lu h9 c icu, hcld fklc lcl ml r hh dk{ } `kl zujlich

& Ah 15 ]cf lc }l mld{ ` icu zujl }qld }qnld zu{ }qlc hcn rj{ }ku mld, ajn df hh lk

muld xju 5) ]cf lc } hhc n h hj ichc cld Ldcj `, ichc cld wck h

lld `h wcw `u} r lld `h clc rk ml x , } hhc wcw ` rj{ rl ldl cld) ]cf lc fh hc x mld }kl rj{ Ldl cld x hc hcn ichc cld rj{

fuj xf cnh xj hcj }k xl, cld cj f wcw `u} icld hf r wc cw rkhclc xhc }l mld hj }ld ldl cld

) ]cf lc }lc clc }k hclc r ic lld }cjlc }nlLdl cld x sh lcfh }cu lcw, rkh `f, x m hh }k icnl }kl dk r lk h }q hj ichc cld

) ]cf lc }k xl f an lc dkj }k xl f an hld ` f} rkh q}

zujl }qld }qnld zu }qlc }cf lcHl a }l mld x ikf }qj zu{l x cu cnhx mld }k xl cw wcw hj ichc cld, ic lld hcu{l lcld hj }k xl

) @w an hn }cf lc Xju ick }cf lc c x rj{ rl hj ichc cld, hla }l mld j qj lcld lc dk r ichc cld r ikl hcn rj{ cj{ icld hcnrj{ k rk ichc cld

& Ah 85 S} mu{} r zu{} lc hcn rj{Hl a }l mld x }qlc an hn}cf lc if }con c x rj{ rl `kl zujl `l ]qld wcld }l mld Lu h xjkx} cj{ }cku }c ]qld wcld }l mld x {u hu a xuld r xj hcj Huk hld,

an hn h lw `l Ck ld }l mld& lk }ch ckl r hcu }qhc lckf r hcn rj{cj{ icld k rk ichc cld& Ah =5 Cnl }} hh }c }h wcw ` }qh ick dkk ldl& Ah ?5 Ikf }qj xju ick dkk ldl r wc} ckl lcu hu fk hj ichc cld

Xju ick dkk ldl }kl rj{ hcn ichc cld , hl a }l mld x wck }cld su{likf }qj fh hc x mld }kl rj{, }k xl }c hcw r ic lld }q l hj ichccld, l h ichc cld }q l Rkh l{ dkw ldl cld wc} ckl iw }ck hh qk qn h akl wcw hjl }ckw iw }ckld }ck wc} ckl qj lcu hu fk hu ichc cld wch r

& Ah 25 ]cu l r s ` l zu cl{ ` ah huk hld hj zu{ }qlc }lmld Hl a }l mld x wck }cld su{l }con mk rkh }q l hj ichc cld Ick

wc} ckl hh icnl l h mu cku su, hl a }l mld sof s} rkh dkj cl l }ldhld ikf }qj, a xuld hh ku ikl cnh hjf i}, hcu{l l zu cl k rk hhicnl l zu cl, ichc cld icld h ic lld }q l, ldl cld }kl clc wc}fk }k xl }con hh zu{ lc ckl clc1= Rjk }q hj hcn rj{ }ku mld


F xklc rkl5 73?87877?:


14/39


15/39

An hn ikl }w

]u{ r{ ldk }ku mld hl }lc }nl rkh hck }ku cw `, icld r} zu fhhcn wcw r f an ic lld hck }q

k rk ll iklc }5&Hcn rj{ }ku mld h rjk }q zujl }qld }qnld rkh ihc hu, dw wcl rn rkh

s{ mld ll }k hclc rld flc hcn f} zuh dkj ]c }qld hcn rj{ }ku mld dw wcl }n ll x xk ld hj ll iklc }, }ch { xl su} wc} }qkl, }n ldulrl hcn icu rh xl su} }qnld lh, }cu c} rl u } lh ldnk, } }ld DMWhcn ll iklc } k k rk l ` cld `n} hh rl s ck h dkk zu{} lc }nhld l rkh `f, }ld }cu lcw hcn ldk `jn ld, dkw c hk }ckl fh xld, dkf} ll s ck

&Hcn rj{ }ku mld h `k hcn h aj al ldk }ku mld mnjlc ldckw ldlcld, cj{ lk hhc ich ` h `k hcn h s ck Hcn rj{ }ku mld dkw }n hld l

rkh `f, }ld }cu lcw hcn ldk `jn ld, dkw c hk }ckl fh xld, dkf } lls ck, sn k dkf ldcn r ld }ck, mn h h }c ` }c }h }ld k l dkl,lcjlc dl ll l hld dw wcl { `k ll hcn rj{ lld `k, } dkk zu{} }} hhfk zujl c ich }qnld s ck

]f `k hcn rj{ }ku mld fjld `k `k hc hcn h ldk }ku mld, ldk xlsu}, LC]F cj{ }ld zujl ll iklc } lk hculd H }c lk, wc} }qkl hcn rj{ }kumld ` f} cld k wc cw rk x wc} }qkl hj s ck r }ul }con zu{ `u} iklc} hj hh LC]F }qnld ku ikl ck lcw iklc } zuh } ckl lj{

Xklc rkl5 Ld Cld Clc & :? &

F xklc rkl5 73?87877?:


16/39

An hn ikl }w

Hcld KK 5 ]ch }qld hcn rj{ }ku mld }k wcld

dkjn mhc ]l h ]cld& LC]FHW JHA

K, Ick zu} r wcld dkjn mhc ]l h ]cld:,:, X `h h hu clc }clc r wc} }qkl:,:,:, LC]FHW JHA

LC]F HW Hcu #JHA+ h }clc `w }con dk{ wcw x 7781.LC& DW mnLCLL hw ld{ 1=.=.:;;8, r dk{ wcw x ?88.DW&_A mn { ajl Lcl ml }clcwc C Hc Fklc hw ld{ :8.7?.:;;8 Ld{ =.72.:;;8, JHA hclc }ch k rn cn}ld

LC]FHW JHA h ck x hclc h } }k =11 Ldu{l ]c Fklc Icjk, Zul8, ]W C Hc Fklc

]qnld }ck auk iklc } }c }qld, h ak} ` hld rk x wc} }qkl icldldld hj } lh Q} lcku hh ldl cld qj k w ld lcu hu hj s ckku ld lk { h ` ` } hj ldl cld ln `k h lcku ldk xld `w r `lcn su} }cl } ldc dkn lc LC]FHW JHALcld lf u :;;7, lh }j a}u f hj, Wcw `lc Ldl cld qj k, c }cld ldl cld h wcl }clc cjkhw5 ldl cld lc lh r ldl cld }cld fk @ lcld ldk h hcu{l fl

r `lc rh ldl cld # wcl `l ` dkld rkl hh ldlc ldl cld + r hh ldlciklc } ich, ld ]ql Fld Cld r lcld ldk al hj flc lcl qj { ` f}h ck }} of ikl }ch w mld rn huh xld, s{ mld f} ldl cld wch rhh lcu hu ml xklc lc h rld }ld w Hclc } xu{ ldc , ld Cld, al

a, hld x r lcld lc dkn zu{} lc qk ah dkld ah rn }cld }qldlcku dkjl ljl }c }chc lcld hld icld if wcl cn cld JHA qj k } rklc cld ` f} ldl cld al ` r lc cld l{ h dk rld r wc} cu{ }hmld } l lj{

Hld rk }f lcl, fh }ku r hckl `h h sh lc q qld r h }c,

LC]FHW JHA d} ck h lcld }clc hld lc} lc H }c i l {, `5

& Cul hcld `jn ld cld Lc mn Hc }hc lh }qjn }ld& H }ck uj hj ldl cld lc lh& Ldl cld }} lc} Rk} Ljf lf 177; mn ]co Jxxo} }qjn }ld& Ldl cld }} lc} Rk} Ljf lf 177; mn ]co Ajlioq }qjn }ld& Ldl cld }} lc} Rk} Ljf lf 177; mn ]co D`naj` Bkljlho }qjn }ld& Ldl cld }} lc} Rk} Ljf lf 177; mn Jxkjfnlo{ }qjn }ld


F xklc rkl5 73?87877?:


17/39

An hn ikl }w

& Ldl cld }} lc} Rk} Ljf lf 177; mn Ouqnfnlo{ }qjn }ld& Ldl cld }} lc} Rk} Ljf lf 177; mn Jxkj Bkljlho }qjn }ldHld q} lcku lcld dkk }cld mjlc dk ich R dl { lc}, LC]FHW

JHA h wcnld }ld mjlc cku Ldl cld rld flc lc} Rk} Ljf lf 1:7

mn }w hc ]co Jxkjl Ajlioq }qjn }ldCkl lj{, LC]FHW JHA wc} }qkl r f qld rk 871 hck lclc r wcld

dkjn mhc }k lcld rld iklc } wc} }qkl }ql icw } lh I } ld{ 8:.:1.17:7rl ku ` hj JHA ` ;842;2?727777 ld

Hh xl wcf mhc r hclc 5& Cu{ ld rl # lcl }kl dk hj ichc cld+ ald ld Rk} Ljf, ldnk }

r rld& X mld rl #huld hw }l mld, u }, cl rl `kl mnjlc+ ald ld Rk}

Ljf, ldnk } r rld

& Hh mhc r }quld dkjl #}ch ckl }cjlc }nl }qnld r ldnk lh, }ch cklmhc r ldl zu, hcu{l }kl iku ck r hcu{l }kl lcjlc, an ckf lcl }c zujldl cld +

& Iklc mnjlc ldnk } r rld& Wc} clc r }cjlc }nl }c dck l, }c }l mld

:,:,1, Wcld dkjn mhc ]l h ]cld,Hl h rn Zu{} lc x 4;2.]HZ& W]HL, 73 ld{ :4.78.1773 hj Hc

}hc Ck ld Zul }q Ldl cld ]FHW Hcu r rkh }clc `w Wcld dkjn mhc

]l h ]cld }qh }cuh ldl cld ]FHW Hcu& hck lclc C LkWcld dkjn mhc ]l h ]cld h } }k 81 ]l h ]cld, zul ldj, C Lk k rn cn} ld ld{ 13.7?.1773 { ` f} j kf ic }cul `k rldj{ ld }, q} ld ml h Cl lj, suld zujlc h q} lcku lcld lc iklc mnjlclc, ` Mn wcld dkjn mhc fk h }clc `w r k rn cn} ld h aj lf llrl hcj wc} cu{ h }c flc hj flc ]qnld }ck dkjl }k, wcld dkjn mhc ]lh ]cld hl wck }qkl icjk r h lcld hckl `h iklc mnjlc h }c:,1, H hu } hch lcl x,

R }lc clc lcl x ajn df

& 7: dkf h WDM& 71 WBH 5 lcl rkl } rl }k hclc h lcl& 7: HJ5 wcl }hc }l mld h lcl& 71 HXQ 5 lcl rkl c }q }kl dk& 7: ikf xn} rkl dkjn mhc& 7: QJ5 lcl rkl zujl c ichc cld& 78 ]o``oq # : ]o` oq ikf }c zu +& 7? an r r 7: }w r


F xklc rkl5 73?87877?:


18/39

An hn ikl }w

:,8, ]lc clc cn} ld hj Wcld dkjn mhc ]l h ]cld i } ick }clc `wl lj{:,8,:, F} x hc }ku cn} ld hj wcld dkjn mhc ]l h ]cld i } ick k rncn} ld l lj{

Xju { ` x `ku wcl lc zu }qlc cn} ld hj wcld dkjn mhcAld :5 }lc clc cn} ld hculd hj wcld dkjn mhc ]l h ]cld


F xklc rkl5 73?87877?:

K Hc }ku iklc mnjlc: Cu{ ld ;=382777777 :=?71;777777 :=4=437777771 M l hcn rj{ :3324777777 =4:;=777777 278?2777777KK ]cu lcw :,482,18?,3:= 8,23:,:;2,=21 :,?3=,83;,:27: Cu{ ld :14;8113=2 1:8=2;;:7: 32444=3741 Hcn rj{ :=813123; 42:4771:3 ==34834:=

8 ]cu lcw }cul }mhc r 44=;4=78 18;284=42 :4113?11?

= @k lcul } cn}ld ldnk ck

:?=31117 1=?78:?8 7

? Hh icnl }cu lcwich

1172232?2 ?172?2?:= ;??;7=:=

KKK Hck wc 1,4:2,;34,:87 2,:==,;37,441 1,:42,2;1,=44: Hck m wcld# m

wcld l ic k+121181?38 2=84;?22? 12?=8;741

1 Hck cn} ld 1,=84,23:,?=4 ?,?7:,:3?,:74 :,;::,1?8,=7?

1: Hck hcn lclrkl)}cu)` wc

?33,483,183 :,147,=1:,;== 273,;18,:33

) @ld)wc hw lclrkl

?787:=777 :72:2==:77 ?:17=2777

) Hck }qjld wch)lddw }con `ld)lhj)` wc

3?223:?3 1734443== ;2344:33

11 Hck cn} ld zul r hld r

27;,18:,;17 ;:;,:84,3;4 8::,?1;,:1;

) Rl wcld wcf 47::4328 =3?;478= :44;8;:3

) ]u{l}qu{l)icu{l fk

11=24=:1 4118=73; ==1?7233

) Hck wc kl }cnk 87;87;;: :7:3;:;?4 =378224:) Hck wc zul ich =3?4:?2?= 2;2=:=3:4 17:==43?118 Hck r }k xl :,18;,4::,83; 8,:47,=17,24; ;=8,7=2,81;) Icu cjn ]XH 8;32?123 :;1?14?78 ;4=44311) An mld r xj

hcj }k xl?=7==== 188;;;432 :;=;72:4

) Fuj xf hld h jn

ld

;2???8:= :?8247221 4?==7;11

) Hck an ckf }k xl ::77777 =:71414 824;7;:) Hck }cu }k xl :7;2432828 1?32:1777: 4=4?382821= Hck an ckf }kl dk :4,748,777 ;8,=73,777 =2,::1,7771? Hck ich 7 =4,4;2,?34 7KR @k lcul &;31,1?1,22; &1,=22,348,8:= &?;1,878,;:1


19/39

An hn ikl }w

Lcl rn x `ku }ql }j }c{ i} zu cn} ld hj wcld dkjn mhc zuj cjklf hl if cku zu @k lcul 2 }cld u lf 17:7 ` #&?1;,878,;:1ld+ ]u{lckl, }lc }con x `ku fk lc} l c} 87.7;.17:7 hnl x l{ ` #&:,4?8,287,777ld+ ]con , }ld `{ i i } ld{ icjk }qld ` #&?,::4,2:7,777ld+F} wcl` mn wcld dkjn mhc fk h }clc `w, hl lnl }q ll hcj icjk }ch h c}ichc cld }kf lld, hcj rl mld h j kf `k }c hj flc F} ku ldhc `, zuj }f cku of h ak} dk }cu wcld hj wcld dkjn mhc ckl lj{ `q} hjn, h }c ` ::477,77_XM Lc r{, rkh hck wc hcn }cu rl wcld ` zu hjnku l{ hld hclc ` ldu{l lcl ickl hcn cn} ld hj wcld a ` `{ i rkx }kl lu }ql:,8,1, ]lc clc cu{ ld rl

{ ` cn} ld q} zujl }qld }qnld zu }qlc iklc mnjlc r wc} }qkl hj hhldl cld Xju { ` ald x `ku r }lc clc cu{ ld rl hj wcld dkjn mhc ]lh ]cld i } ick }clc `w l lj{

Ald 15 }lc clc cu{ ld rl hj WDM }qnld }ck dkjl } 2.1773&?.17::l r5 }qku ld

Ldul rl cu{ ld hj wcld dkjn mhc ` hc {u } hh ichc cld h lclr mnjlc ldckw Lcl rn x `ku }cu }cw h }j }c{, ldul rl cu{ ld } ichccld ` h lcl hckf icnld 37/&33/ }ld ldul rl cu{ ld ku l{ ` mn,

wcld dkjn mhc fk h }clc `w, hcj }c }cu c} ldj{ h `ld }kl mk mn }ichc cld ` mnjlc ldckw, if }con ` hh xl wcf mhc r hcj h x mld

Xklc rkl5 Ld Cld Clc & :; &

F xklc rkl5 73?87877?:

Hc }kuLf 1773 Lf 177; Lf 17:7 Lf 17::

Dk }q Dk }q ]]#/+ Dk }q ]]#/+ Dk }q

IC hlcl

38=?2 ::3;1= =1,?7 :87;27 :7,:1 :487??

IC mnjlcldckw

::837 12:7? :1;,8; 814=7 1?,=1 87?=7

]ld rlcu{ ld

;=382 :=?71; ?1,;8 :28477 :1,34 178?;?


20/39

An hn ikl }w

f} hhc }k j ]qnld f} rk lf }k wcld dkjn mhc x h dld wc} cu{ }k j }cflc hj flc, }cu c} }cf lcku lj ichc cld ` mnjlc ldckw

& k rk ichc cld ` h lcl5Lcl rn ald x `ku }cu }cw h }j }c{5 huk lf 1773, x }kl cu{ ld h `

38,=?2}qku ld, hckf icnld 33/ xn rk }ld ldul rl cu{ ld h9 lf177; ` ::3,;1=}qku ld Lc r{ ` }ld =1?7/ xn rk 4 }cld huk lf 1773]ld }, lf 17:7 x }kl cu{ ld h ` :87,;27}qku ld, }ld :7,:1/ xn rklf 177; u lf 17:: cu{ ld h :48,7??}qku ld ku l{ hcn }c{f} i} zu ic ic zujl r }kl dk } ldk ml ]u{ icld }ld ic lcku xnld `kic l lc, cj cl f} ldul rl mk mn h }c w ld lcu hu hj ichccld

& k rk ichc cld mnjlc ldckw5]u{ ` icld lcku xnld hld h mu cku }ld `l Huk lf 1773, x rl cu{

ld h ` ::,837}qku ld, hc hckf icnld :1/ xn rk }ld x rl cu{ ldh }c lf 177; cu{ ld h 12,:7?}qku ld, }ld :1;8;/ xn rk 4 }cldhuk lf 1773 Lf 17:7 cu{ ld h 81,4=7 }qku ld, }ld 1?=1/ xn rklf 177; u lf 17:: cu{ ld h 87,?=7}qku ldF} mu cku ld fld} ichc cld ` mnjlc ldckw

I } ick cn} ld l huk lf 177;, }ld ldul rl hj wcld cu{ ldh }ld ?1;8/ xn rk 4 }cld cn} ld lf 1773 ]u{ lckl, l lf 17:7}ld }qld dkf suld hl :134/, l u lf 17:: }ld ldul rl cu{ ldhj wcld h 178,?;?}qku ld Lc r{ `, cn} ld cu{ ld rl hj ldlcld hld ld{ hld }ld zuj hh lf:,8,8, ]lc clc hcn rj{,

Xnld xnld rk cn} ld cu{ ld rl, WDM hld }ch ckl hh cn} ld hcnrj{, { ` cn} ld hc {u fjld `k `k lcul hcn ldl cld hld lc hcn WDMHh clc }ch hcn rj{ ckl lj{ ajn df5

Ald 85 x `ku }ld cw r cn} ld hcn rj{ hj WDM

l r5 }qku ld

Hc }ku Lf 1773Lf 177; Lf 17:7

?. 17::Dk }q ]]#/+ Dk }q ]]#/+

M l krk ICHL :1?38 8:7;= :=4,:: 4=:7; :83,8= 43312M l krk ICML

214= :=:77 :1=,4= 1238: ;7,1; 1214?

] ` lzu cl

& 1,;;/ 1,3=/ 1,;=/

]ld ml

:33?4 =4:;= :?7,14 :77;=7

::8,33 :7?:7:


F xklc rkl5 73?87877?:


21/39

An hn ikl }w

R rl cu{ ld hj wcld hc {u } h lcl r mnjlc ldckw, mn k}ld f wcld cld }k hld hc {u ` cjk k }ld l{ Lcl rn ald x `ku }j}c{ qld m l hcn rj{ hj wcld `kl }h }ld zuj hh lf H }c5 i } ick k rncn} ld ` }cld ?.1773 l huk lf 1773, }ld m l hj wcld ` :3,3?4}qkuld ]qnld , m l hcn rj{ k rk ICHL ` :1,?38 }qku ld, hckf icnld224/ }ld m l hcn rj{9 hl m l hcn rj{ k rk ICML hc fh 2,14=}qkuld, hckf icnld 888/ xn rk }ld m lLf 177; }ld m l hj wcld `=4,:;=}qku ld, }ld 13,884}qku ld } fh }ld }qld ?714/ xn rk 4 }cldhuk lf 1773 Xn xlc rk 4 }cld huk lf 1773 }j }c{ m l k rk ICHL lf177; }ld `l ` 8:,7;=}qkuld,hckf 22/ }qnld }ld m l, }ld :=4::/9 ml k rk ICML hld }ld ld i :=,:77}qku ld, }u{ lckl hc hckf 8=/}qnld }ld m l , }ld :1=4=/ Lf 17:7, wcld dkjn mhc ]l h ]cld lld}ld m l hj wcld `l :77,;=7}qkuld,dl dw k lf 177;, }ld ::833/]qnld , m l hcn rj{ k rk ICHL ` 4=,:7;}qku ld,hckf icnld 48=/}qnld }ld m l, }ld :833=/ 9 m l hcn rj{ k rk ICML ` 12,38:}qku ld,hc hckf 122/ }qnld }ld m l r }ld ;71;/,

Lc r{ }u{ }ld m l zuj hh lf u }ld `l, xnld m l hcn rj{ k rkICHL hld ld }ck }ld }qnld }ld m l, hl m l hcn rj{ k rk ICML `kdkf ld i Ldu{l lcl ` mn, ldul ichc cld h lcl hj wcld ùl }ld `l,}qnld ick , wcld `k hcj }f }cf h k }ld mnjlc ldckw fk, r hc rlmu{ }q `ld ICML ic l lc } ick }clc `w Hclc r ICML hj wcld hl },hld rk rkh }ch ckl dkf x} hc} hc l su ll } ` l su hj wcld ùl fh ic w, mk 8/:,8,=, Hh cn} ld ich

Al hlc cjk cn} ld hclc ` cu{ ld rl r hcn rj{, WDM ]l h]cld hld hl h hh cn} ld ich lcf ld dw rn `k lcul hj wcld r

wc} }qkl cn} ld hj wcld cl lj, lc5 Wcnlo Ajlikld, Kl}oqlo} Ajlikld,Fnakò Ajlikld, Cnfo Ajlikld, Hj`` Hol}qo 1=4, }cjlc }nl zuh }, iklc mnjlcldnk ck,

Ckl lj{, WDM hld }qkl icjk hh cn} ld mhc r xju5& Mhc r hcu{l }kl }qnld lh& Mhc r hcu{l }kl k lh ldnk& Mhc r c }q }k hclc mu ch& Mhc r }cu c }kl kl& Mhc r lcl }kl iku ck Tox}oql _lknl& ]c }l mld zuh }& ]c }q hh zuh }& ]c dck l # zuh } ) lk j+]u{ lckl, }con lc }cld i }c `k lcul } hh cn} ld mhc r l{ hcj

lcku lc hh cn} ld ich:,8,?, I} zu iklc mnjlc

Xklc rkl5 Ld Cld Clc & 1: &

F xklc rkl5 73?87877?:


22/39

An hn ikl }w

I } ick }clc `w l lj{, WDM ]l h ]cld }u{ dw lcku ic icl xnldhld h h f} x }clc hld ] lcld hnl x f, a{ dk WDM a} uh lcld mu cku h `k fk

Ald =5 x `ku r cn} ld mhc r hj WDM }qnld }ck dkjl } huk lf 1773l 87.72.17::

l r5 ld

Hc }kuLf 1773 Lf 177; Lf 17:7

Dk }q Dk }q ]]#/+ Dk }q]]#/

+Cu{ ld :14;8113=2 1:8=2;;:7: 22,34 32444=374 &?;,8?Hcn rj{ :=813123; 42:4771:3 =8:,2: ==34834:= &=:,7;]cu lcw

}cul }mhc r

44=;4=78 18;284=42 17;,11 :4113?11? &13,:7

@k lcul} cn}ld ldnkck

:?=31117 1=?78:?8 ?3,14 7 &:77

Hh icnl}cu lcwich

1172232?2 ?172?2?:= :8?,;? ;??;7=:= &3:,2=

]ld }cu

lcw

:,482,18?,3:= 8,23:,:;2,=21 ::171 :,?3=,83;,:2

7

&?2;2

Lcl }ld }c ald x `ku }cw h } ick WDM k rn cn} ld l87.72.17:7 h }c }c{ qld lf 17:7 WDM cn} ld if cku zu lc}, h ak} `klcul } cn} ld ldnk ck }cf hc dkf suld &:77/ xn rk lf 177;, hhicnl }cu lcw ich hld dkf ld i & 3:2=/ xn rk lf 177; Ldj{ } ick krn cn} ld l c} lf 177;, }j }c{ WDM `f l h cku zu, h }c, }cu lcw }cu{ ld rl lf 177; }ld 2234/ , cn} ld hcn rj{ }ld lcku lc}, r `ldul fjld `k `k lcul hclc hcn wcld }ld =8:2:/ }cu lcw }cul } mhc r

hld }ld 17;11/, `k lcul } cn} ld ldnk ck }ld icld lcku ?314/, hhicnl }cu lcw ich }ld :8?;?/, Hh cn} ld l{ ickl }ld }cu lcw hjwcld }ld ::171/ xn rk 4 }cld huk lf 1773 ]c lcld h f} ku jld hc ` lf 17:7, }} h hh cn} ld l{ u dkf suld ld i xn rk lf177; ku h ldcj ` cn} ld hj wcld jld k suld, ickl hcn }ld }culcw hj wcld f &?2;2/ xn rk lf 177; Cj} ld hcn rj{ ` f} cn} ldhclc lcld hld dkf suld hl &13:7/ xn rk hld i lf ldnkKK, ]ch }qld hcn rj{ }ku mld }k wcld dkjn mhc ]l h ]cld


F xklc rkl5 73?87877?:


23/39

An hn ikl }w

1,:, Hh zu{ lc r hcn rj{ }ku mld,1,:,:, Hh xl wcf hcn rj{ }ku mld,

Hld lc hh ldl cld }cld fk h wcl ich, ldl cld Hcu hld hhh mhc r hcn rj{ }ku mld q} j mld, w ld lcu hu ld{ f} hjn r j mld

hj ichc cld Hh xl wcf }l mld ckl lj{ ajn df5& Rj{ }q dw fuj lc , ll lc& Rj{ fuj lc Wc F Cld& Rj{ fuj hl c }cuh m l XjkDnl Wojq`& Rj{ fuj hl c }cuh m l Cld Rld W`jj& Rj{ }q dw s{ mld, xj hcj lc& Rj{ }q dw xklc cn} }ku mld& Rj{ c }q }ku mld& & Rj{ fuj so } }c hcw ald hclc so fuj

& Rj{ mu ch& Rj{ hf h. }c hcw x }k} ikf, dk{ } h dk

1,:,1, Zu{ }qlc hcn rj{ }ku mldZu{ }qlc hcn rj{ }ku mld }k JHA ajn df lcld ah xju5

Ah :5 ]kw lcl, }cu }cw c x, s ` i} zu

Hcu{l rkl ichc cld }ch ckl5

& ]kw lcl c x }con hcohi`kx} zu{ lc, ajn df5

) l ldc rj{ rl ikf wcld l }q l) C x lcl }cl

) C x }k xl an f

)C x hcld fklc fh hc x mld rl

) C x hcld fklc ldul }q l

& Lcl mkl r lc dk x a }cld }kl ichc cld

& Cld ml ichc cld }ch ckl }con zu{ }qlc lc dk hj JHA

& C x ku ikl5 hcu{l rkl ichc cld `w an hn }cld }kl ichc cld,dck q hh ku ikl ich ak} #lu h+

& @w ldc hw }l mld

& Hcu{l rkl ichc cld }qlc lc n hck lclc.wcld dkjn mhc

Ah 15 Ikf xn}, i mu{} su}, dk c x hcn a wcl wc mu{} }l mldQHH


F xklc rkl5 73?87877?:


24/39

An hn ikl }w

@lc n hck lclc. wcld dkjn mhc hcu }qhc lckf5

& Ikf xn} lk muld, c x rj{ rl r i sh lcl ldc hw }l mld hjhcu{l rkl ichc cld

& Ikf }qj, ikf xn} `k mjlc fh c x rj{ rl r dw }qh }kw ichc cldlu hl }ck}, i sh lcl ldc hw }l mld

Hcu{l rkl ichc cld }ch ckl

& Hcu{l rkl ichc cld cld ml ichc cld }ch ckl hh }c}h r lc dk }k xl an f hcn icnl rj{ }con zu{ lc hj JHA

& Dk c x rj{ rl wck { hh hcld } }con zu{ lc hcnQHH

Ah 85 Ikf }qj, }cf lc, c x

Hcu{l rkl s ` c x }k QHH }ch ckl5

& Ikf }qj `k }lc { hj c x }con hcohi`kx}

) Lu c x icld { 5 hcu{l rkl s ` c x }cld an r }q `k c xhcn hcu{l rkl zujl c ichc cld

) Lu c x { 5 hcu{l rkl s ` c x }cld an hcn hcu{l rkl ichccld r }kw }h }ch ckl hh ah xju5

& ]cf lc c x rj{ rl ]cu }cw }cld }kl } HKH

& @kl c ichc cld zuj kl }cnk

& @w an hn }cf lc

& ]ch ckl sw cld }l mld ichc cld }ql ]1=

& Hcu{l c x hcn hcu{l dkj wc mu{}

Ah =5 Wc mu{} c x

Wc mu{} c x }cld }cld

& Lu icnl rj{ }qnld fh wcl zu{} h { zu{l, hcu{l dkjwc mu{} }kl clc wc mu{} icnl rj{

Wc mu{} c x ldnk `

& Hcu{l dkj wc mu{} hcn ikl

) Lu ld 5 hcu{l dkj wc mu{} }qlc c x `l hcu{l dkj wcmu{} hjn cl }con }cf zu{l

) Lu icld ld 5 hcu{l rkl s ` c x dk c x r hck lclc.wcld dkjn mhc hck lclc. wcld dkjn mhc hc ld }qlc hcu{l dkj wc

Xklc rkl5 Ld Cld Clc & 1= &

F xklc rkl5 73?87877?:


25/39

An hn ikl }w

mu{} hjn cl }con }cf zu{l #lu hck lclc. wcld dkjn mhc icld ld rk ikl } hcu{l dkj wc mu{} }k QHH+

& Hcu{l rkl s c x hcu }qhc lckf5

) @w }cld an }l mld }con i} zu wc mu{} r dk r hck lclc.

wcld dkjn mhc) @u an hn }cf lc al dh

Ah ?5 I i} cw ld }l mld

& Hcu{l rkl ichc cld cnh hcu{l rkl wcl }hc, c }q iklcmnjlc cld ml ldk rj{ `w c x hcul a dkk ldl, ajn df5 Cw ld}l mld, Dk{ ldc wc} }kl rj{, r Ic h lcl l

& Ldl cld j c x hcn ichc cld r dkf x} hcld ikl rkhichc cld i rn Cw ld }l mld r Ic h lcl l }con fu

& Hcu{l rkl ichc cld hcu{l Cw ld hcn Ajl dkf h]quld }f dkjn mhc.]quld }f }c.Dkf h hck lclc cnh ldk h uzu{l i cw ld }l mld r Ic h lcl l dkk ldl hcn ichc cld

& Hcu{l rkl ichc cld, cnh hcu{l rkl Ajl ikf xn} c }qiklc mnjlc hcu{l c x hcn Ajl Ikf xn} r C }q iklc mnjlc cnh wcldI }nl chc }nl icjk an icnl rj{ }ql c }cld ]1= hj ldl cld,ld }ck }cu wc }cu sw }k hclc r `u c x

Ah 25 ld i dkjn mhc }k xl an f

Hcu{l rkl c }q iklc mnjlc hcu }qhc lckf ld i dkjn mhc }k xlxl an f hj ichc cld, dkjn lcl dk{ } hj }k xl an f r. cnh }kxl an f hcn wcld icn zu

Ah 45 Chc }nl r dkk ldl }kl rj{

& Hcu{l rkl wcl }hc c }q iklc mnjlc r hcu{l rkl ichccld j c x `l i }nl }kl clc chc }nl }cu wc, dkk ldl }kl rj{

& C cld ml ichc cld rk} dk{ `lc }kl dkk ldl icnlrj{

Ah 35 ]con mk icnl rj{, }cu ck l

& Hcu{l rkl ichc cld.hcu{l rkl wcl }hc c }q iklc mnjlcx `u dk r ikf xn} c x xju ick dkk ldl

& C h }qhc lckf ikf }qj zu }qlc }q l hj ldk rj{ }con`hc }q l }cn }cul

Ah ;5 Dkj cl icnl rj{ r }} }nl icnl rj{

& Rkh dkj cl icnl rj{ #lu h+ w mld }con zu{ lc hj JHAr ku ikl dkj cl icnl rj{

Xklc rkl5 Ld Cld Clc & 1? &

F xklc rkl5 73?87877?:


26/39

An hn ikl }w

& Xju Ick dkj cl icnl rj{#lu h+, hcu{l rkl zujl c ichccld wck cw rk wcld i }nl, wcld icn zu }ch ckl rkh dkk hcw cx, }k xl f an r }cjlc ` cw ld }l mld, cw ld an f }kl rj{

1,1, ]ch }qld hcn rj{ }ku mld,

1,1,:, Zu{ f cn} ld hcn rj{ }ku mld,]qnld lcld lf rj zuj, cn} ld hj hh ldl cld lk hculd r

hj JHA lk qkld wck k f} rk q} lcku ic icl } lcld akl ld }ql }c}qld }qnld lh hld lc }ql }c dkk ]u{ lckl, hld rk lcld l `h icldldld JHA rl ikl }q }con uk hckl `h ld l qj } lcld lf }qh

k rk wcld dkjn mhc ]l h }cld, ` f} wcld dkjn mhc hlfk r lnl }q, qj k }qnld ak hlc ll iklc } jld h mkl akl ic wch }wWcld hcu w `h } q} lcku wcj, dw ic lcku ic icl Hld rk x nl i}r h dld hj }ld lcl rkl }qnld wcld dkw hcn x cn} ld hj wcld jld

ld{ hld k `l r wc} }qkl clM l }ku mld zuj hh lf h wcl lc lc xju5

Ald ?5 Zu{ f cn} ld hcn rj{ }ku mld

l r5 ]qku ld

Hc }kuLf 1773 Lf 177; lf 17:7

?.17::

Dk }q Dk }q ]]#/+ Dk }q ]]#/+M l HR]M 3:4; 1:422 :22,:1 ???31 :??,82 2:=3?

]ld m l :33?4 =4:;= :?7,14 :77;=7

::8,33 :7?:7:

] }qldHR]M.}ld m l

=8,83/ =2,:1/ ??,72/ ?3,?/


F xklc rkl5 73?87877?:


27/39

An hn ikl }w

Ald 25 m l hcn rj{ }ku mld

3,:4;

1:,422

??,?312:,=3?

7

:7

17

87

=7

?7

27

47

m l HR]M

Ald 45 ] }qld m l HR]M }qnld }ld m l

Lf 17735

:7,243

3,:4;

HR]M

Lf 177;5

1:,422

1?,=13HR]M


F xklc rkl5 73?87877?:


28/39

An hn ikl }w

Lf 17:75

??,?31

=?,8?3HR]M

Lf 17::5

2:,=3?

=8,2:2HR]M

Lcl rn ald x `ku }j }c{ m l hcn rj{ }ku mld zuj hh lf u }ld 4}cld huk lf 1773, }ld m l }ku mld } 3:4; }qku ld { h }c sof ` i}zu ld ichc ` k rk f} wcld dkjn mhc fk }clc `w, cl lj ak hlc ll

iklc } Rk} Ljf lf 1773 jld wck k f} rk lcku ic icl l lf 177;, lliklc } }c dkk }kw }h dlc hcu lcld c `{ } huh icld cnld }k hclc r xu{}cnk iklc } } lf 1773 ku l{ hld `f hcn ll iklc } a lc cld su, cn}ld iklc mnjlc r }ku mld }qnld lh a }cu cw ld i ]ql }c }qld hcn rj{,ldk ml o m }kw hl rk rl rj{ }ku mld, hh dk ihc hu iklc } hj hclc wcdkf ml rn lcld }cld huk lf ]u{ lckl, m l HR]M hj wcld huk lf177; }ld :22,:1/ xn rk 4 }cld huk lf 1773, } fh 1:422 }qku ld llf 17:7, ll iklc } h mu cku wch ck, `f wc} h { `k, }cu lcw hjldk ml }ld `l r l lc cl }ch { lcu hu hj ldk ml }con hld}ld `l ]ld m l HR]M lf 17:7 }ld :??,82/ xn rk lf 177;, } fh

???31 }qku ldLcl hculd, m l HR]M `ul }ld `l u l r ic l lc xn rk }ld m

l, hckf icnld =?&27/ }qnld }ld m l hcn rj{ H }c, 4 }cld huk lf 1773,m l HR]M hckf =8,83/9 lf 177; m l HR]M }ld icld ld i, hc hckf=2,:1/, }u{ lckl l lf 17:7, } ` l{ }cj{ k ic lcku mn x l lc cl rll iklc } r lcu hu }ku mld ld{ hld hjn hj ldk ml, hckf ??,72/ }qnld}ld m l1,1,1, I} zu iklc mnjlc cn} ld hcn rj{ }ku mld

Cn} ld hcn rj{ }ku mld `ul hckf f} } }qld `l }qnld hh cn} ldhj ldl cld ]qnld aj lf cn} ld, WDM ]l h ]cld }cu h hh i}

zu lc xju5

Ald 35 I} zu iklc mnjlc cn} ld hcn rj{ }ku mld dkjk nl 1773&17:7

Hc }kuLf 1773 Lf 177; Lf 17:7

Dk }q Dk }q ]]#/+ Dk }q ]]#/+]cu lcw }HR]M

3?;2;2:? =;?:7?:=1 =4?,;: 1=23721;1 &?7,:2

]cu lcw } :=813123; 42:4771:3 =8:,2: ==34834:= &=:,7;


F xklc rkl5 73?87877?:


29/39

An hn ikl }w

hcn rj{

Lcl rn ald x `ku }j }c{, }cu lcw } hcn rj{ }ku mld hckf } }qld}qnld icnld } ?7/&47/ }qnld }ld }cu lcw } hcn rj{ Lf 1773, ick fk k rncn} ld, }cu lcw } cn} ld l{ ` 3?;2;2:? ld, hckf icnld 27/ }qnld}ld }cu lcw } hcn rj{ l lf 177;, cn} ld lj{ flc f cl mn x rlcu{ ld h }ld `l ld i, }ld }cu lcw } hcn rj{ }ku mld `l =4?,;:/ xnrk 4 }cld cn} ld huk lf 1773, h fh }cu lcw ` =;?:7?:=1 ld hckficnld 2?/ }qnld }ld }cu lcw } hcn rj{ l lf 17:7, WDM h mu cku `f lif cku zu cl, x rl cu{ ld h } cl q} lcku xn rk lf 177;, }cu lcw} hcn rj{ }ku mld dkf &?7,:2/ xn rk lf ldnk, hc mld `k hnl x1=23721;1 }con , }cu lcw } cn} ld l{ hld hckf } }qld } cl, hcicnld ??/ R }c, }qnld }ck dkjl xw }k, WDM hl h lcld hckl `h h }c ich wch }lc }qld ic icl l{ ak r ldul }cu } hcn rj{ }ku mld q} zujl}qld, l of `k lcku `k lcul hcn ldl cld1,8, lc dk cn} ld hcn rj{ }ku mld hj wcld dkjn mhc zuj hh lf dl{,1,8,:, Lcld }clc }u } h

]qnld ak hlc ll iklc } }qnld lh r }c dkk jld dw ic icl, hh ldlcld hlc }qjlc dj{ d} dklc }c wcl }c ldl cld JHA d} ck h ic lcku}clc hld, }q }clc ldl cld al ` cld u }k Rk} Ljf, dklc h mjlc cku

Ldl cld al ` }} lc} Rk} Ljf zuj lcku lf ku l{ h h ` mn x `lcn }k }lc r ld l hj ajl dkf h, x l `h hj }nl lcl rkl hld lc xj mld cj }qnld hh xl wcf mhc r hld rk x hcu{l ldckw }qnld rkh wch richc cld

Hld rk x wc} }qkl hj ldl cld, cn} ld hcn rj{ }ku mld hldld{ }q ll zujl }qld, dw wcl rn x }ld }qld hj ldl cld

Hh i} zu r cn} ld hcn rj{ }ku mld }k wcld dkjn mhc ]l h]cld5

& Zuj x ku }cu }cw h, m l hcn rj{ }ku mld hld lc } }qld hj m lhcn rj{ }ku mld }qnld }ld m l `ul }ld `l zuj hh lf, hckf f} wclicld lc }qnld cn} ld hcn rj{ hj ldl cld

& Xl wcf hcn rj{ }ku mld q} wcnld wc j mld, w ld lcu hu hj ldk

}ku mld ku l{ dkw ichc cld m mld cl }qnld rkh hcl `j hh xlwcf wch r lcu hu hj flc& Hcn rj{ }ku mld dw wcl `f }ld }lc hc ld }qnld hld }h }f ikf

ichc cld hj hl a }l mld Ak r }ck zuol }ku mld hj ldk mllh }j ` icld }chc rj{ fl, }hc `{ }kl fk }ku mld, wcl `l hcncku q c} r hh xl wcf mhc r hj ldl cld hld lc }kl hc f lof `k R }c, lckf r hj hh lcl rkl }l mld ic zujl }qld, dkw ccku ld l r hh xl wcf, }cj{ k hhc lcl lcl r }ck zuol }kumld Ick cku c} h `k hc, x }n qj f} cku ld `jl }qu{l r hh xl

Xklc rkl5 Ld Cld Clc & 1; &

F xklc rkl5 73?87877?:


30/39

An hn ikl }w

wcf ] dkw hh xl wcf mhc r hj ldl cld h zuld a qld qkcl }k ldk ml

& Wcl `l hl a lcl rkl hj wcld ` hh hl a }q, }qnld f} x `ldicld lc ` } hh xklc rkl rj qj }qld C hcj h lcku iklc ldckf`f rkh, hld lc hcj h ic lld }kw sh rk ichc cld `l, hcj }cf lckf hh icnl }l mld h dk }q hjn, fh }cf lc wch }w]qnld ick , hh icnl rj{ }ku mld hj JHA }cld ` hh icnl rj{ lc,}c }h hcn rj{ icld lcku lc hh icnl rj{ `l, icu }cf lc hld icl dkl, wc cw rk lcld hl a }q hcj h iklc ldckf Rkh wc} }qklcn} ld hcn rj{ }ku mld `f hcn `w hl a }l mld }q hj JHA }cfm{ ml iklc ldckf, `klc cn} cl }qnld rkh }kw sh ichc cld, ld }ckrld rld cl }qnld rkh hcn rj{ hh icnl rj{ `l rk hc} `ld }l mldhjn cl, dkw cl hc qk qn hcn Ldl cld

1,8,1, F} x }l }k& Ld{ lj{, }ql }c }qld }k hclc Rk} Ljf h q} lcku ldl cld } fh

hc }q }clc ldl cld al ` cld u Rk} Ljf Ldl cld Hcu } hmjlc cku lj{ lcku lf `kl }kw lcld icld r }c f ` ` cn} ld hcn rj{ }kumld, hl wck wc} }qkl r { flc cl lj

& WDM fk h }clc `w h aj lf, mn `ld ichc cld l rk ldlcld hcj h lcku ]qnld ick wcld `k wck hcu hh hck wc ich zu hjn ickl hcn cn} ld hj ldl cld if cku zu cl

& F} x xl wcf hcn rj{ }ku mld hcj h hc lcku l lc ` hcn rj{mu ch, hcn rj{ hf h dk{ } h dk, M l hcn rj{ }ku mld hj hh xl wcfl{ }cld hckf } }qld q} lc

& Hl a wc mu{} }l mld hj wcld hl cl hc, mn m rn lcld }ck ihcn rj{ }ku mld h { flc, }ck dkjl wc mu{} hh icnl rj{ l{ }cld mk,lc cld icld }} l ichc cld hld lc l cn} ld hcn rj{ }ku mld1,8,8, Ldu{l lcl }l }k lcld f} cl hc188: Ldu{l lcl ichc zujl

& lh }j, hcn rj{ }ku mld fk hc su} ckl }qnld }ck dkjl dl { r fkhc h hh ldl cld }qnld lh f qld cn} ld hcn rj{ }ku mld xju ick lclh ajl clc hh zu{ lc wcw `, hh rl al cld ml `f hcul hcn hh ldlcld }cld fk ]u{ lckl, hh rl al wcw ` l{ `k hcj h }c, q qld, }lcld a hj hh rl al `k icld hjn ll m `f hcn hh ldl cld }cld fk }q

ll a ld }qnld cn} ld iklc mnjlc }qnld `lc rh l{, ml }k rkh hh ldl cld}cld fk hld cl hc u } rn l f} hhc flc f

& ]f ` hj ldk Rk} Ljf lk hculd ` q} ldk l hh ldl cld `f}c }h rj{ }kl r ku ld ldcj rk rkh c x fjld lcld icnl l ll rdlc hcu }f ` lld l ick hcj }q h l Al hlc , ldk ml hl }chc }k}ikf fuj xf cl ` k rj{ Ldnk qj x wcl hw lh }j icld ld u Hh{u } l{ hld wcl ln `f cl hc cn} ld hcn rj{ }ku mld hj hh LC]F


F xklc rkl5 73?87877?:


31/39

An hn ikl }w

& ]lc clc `f wc} hjn ickl hcn ldk ml dkf lcu hu hck }ku, hld `{u } d{ ic icl hcn cn} ld hcn rj{ }ku mld

& Rl }cld }kl h rjk }q q} zujl }qld k rk hh ldl cld ak hh cn}ld hj ldl cld q} lc{ hf rk x akl k hj }c }qld, hj iklc } s ck

]qnld ku ikl hld ldc }cld }kl wc} }qkl lc ckl lj{ }c rkh }kw hl }cld }klhj f} k }ld ichc cld icld hl ` zu ic icl xnld lcld }cld }kl }cu}cw l{ `k hcj h hclc sh hjn ]cld }kl r ichc cld }c lcku xnld lcld}cld }kl hl }ck} icld { m ml l }lc }qld lcku }cld }kl Mn r{, hl a}l mld hld lc ldl cld hl c} xh }cl }qld ick s ` }cld }kl ichc cld

1881 Ldu{l lcl hc zujl

& Hc} `ld hj hh hl a }l mld }qnld wcld hcj h hjn Hl a }lmld hj wcld cu c} ` lcld lcl rkl hl }q, rj fk qj }qld Mn hl

}cku lcld iklc ldckf }ch } Cl lj, ick `ld hld rkh lcku ickl hcn hhlcl rkl }cld wck `k zu dk, `f rkh h rn ld{ ldc, d{ hld }cld }qnldhld rkh, lc cld l cku zu hld rkh

& WDM ckl jld wck hcu fh wc }cu lc zu hjn xn rk f} ald hculd}ql j al }clc wc Mn , }ld `k lcul a rn hh icnl hck wc, wcld `ulful }f k }ld ichc cld ` mnjlc ldckw f } hc }qld cl rn cn} ldhcn rj{ }ku mld ku l{ hld ickl hcn cn} ld hcn rj{ }ku mld h wcl lndkf x}

& Hh xl wcf hcn rj{ }ku mld rl hcj h ak} l qld icw, mn }qnldzu }qlc fjqio}kld icld `f a} `l h hh u kf r }kl hc f hh xl

wcf l{ fjld `k hcn ichc cld

& Ldl cld JHA hc hc {u }w }quld r hh mnjlc ldckw rj r lc, mn ichc cld hj cn} ld hcn rj{ }ku mld l{ a cl hc

Xklc rkl5 Ld Cld Clc & 8: &

F xklc rkl5 73?87877?:


32/39

An hn ikl }w


F xklc rkl5 73?87877?:


33/39

An hn ikl }w

Hcld KKK 5 Dkk wcw f qld cn} ld hcn rj{

}ku mld }k wcld dkjn mhc ]l h ]cld

K, Lcld }cul `k r ic icl }qnld cn} ld hcn rj{ }ku mld k rk wclddkjn mhc ]l h ]cld,:,:, Lcld }cul `k,

& I } ick k rn cn} ld l lj{, WDM hld ùl lcl h x zujl }f,dkw r hh rl }cku c} rl }n ku ikl hcn WDM wc} }qkl WDM hld lcl h x dkw } hh hw { ajl, s{ mld lkf }kl }qnld `ld ichc cld ll}ck dkjl zuj dk rld h }c wcl, }kw }h h lcld ah k wc cw ld{hld wc} }qkl, dw wcl }ch { x }ld }qld iklc } ]u{ ` hcj }cu h `klcul lcld `ld ichc cld l rk wcld dkjn mhc rl }ld, hcld } f} x }kl}ld lc} lc k rk ichc cld h r lkf }kl k rk ichc cld fk

& Ll iklc } jld }cj{ k }ld ld{, k xld hj ldk ml hld hhk }ckl q q} h ak} ` lcld ldk ml xld }clc wc `l, lk h fh xldic hjn Hnl ldk dk { ak} wch r hcn lcld lcu hu cld }c hclc ldhj al }cl Lcld hch hcl qld h lcld ldk icld wck `h ln hld wld, }cj fl lcu hu hj flc C hld icld }c `h ln hld rj{ h }kl }

ldk }cl @j hcl }} lc} hclc ` ldl cld WDM ]l h ]cld h f} r}q ic }cul `k, lf ldj{ }quld }f }clc wc, lk ml h ld h r }c wcl wclld ` }quld ù ku l{ hld dw wcl }qnld rkh }f ikf ichc cld hjWDMCl lj, rk rkh sh lc q qld ichc }c wcl ichc cld hld lc fh}ku cn} ld hj flc, WDM cj cl x }cu c} h lcku ichc cld }qnld }ckdkjl }k

& k ld hl a }l mld hj WDM cu c} h }qlc k ch }q `l, h iklcldckf r hcu{l fl hjn Ldnk qj, cld lf ldl cld JHA ùl f hh `w n }n hl a f} hhc ak al, dkw hcn c lf rld hcu{l ldlc hj flc, a

xuld lcld ikl }ch hl {u if ku l{ dkw hcn rkh }cf lc dkk zu{} hldrkh h lcjlc hcld r hclc sh cl Zuj zu }qlc }ch }w }k WDM, of lcl}c{ WDM h k ld hl a lcl rkl hcf xh ichc cld q} hcu{l ldckw, } }ck q} lck} }lc hk f zujl }f l ichc cld }k wcnld }ck `f rkh ic hcu{lldckw

:,1, Lcld ic icl,& Ic icl u }kl, r hld h }c lk ` ic zujl }qld lc cld l zu

}qlc cn} ld hj WDM hclc ` }kl }cu }q x Ckl lj{, WDM jld wck hcu


F xklc rkl5 73?87877?:


34/39

An hn ikl }w

f} fh dk hcn }cu ic hjn, hjn cl cl xn rk f} ald hculd hj hh WDM ich}ql j al

& Ll iklc } lh }j jld qk rn }lc }qld `f wc} hjn, mn lc lhjld x mld hh akl wcw }c} hc} }kl }, ku l{ hld lc cld f} wcl ln

}k hh cn} ld hj ldl cld, hh ldl cld x wck ku hclc r xj kldul rl xjn hcn wc cw rk hh zu{} lc @k xu} hcn rj{ }ku mld jld fhq} hjn, ldl cld `k u }kl hh icnl rj{ ldl cl an f jl }nl rl Mn ,rkh hcn rj{ }ku mld ckl lj{ hld ic ` ic icl

KK, Dkk wcw f qld cn} ld hcn rj{ }ku mld]c }qld hcn rj{ }ku mld ` f} }c }qld `l r of `k `k lcul hjn hcn

ldl cld Ckl lj{, ml }q h lld hjn, }cld zuj hh wcld }kl }cld }kl khcld dkw hcn ldk ml }kw hl dl cl rk cn} ld hcn rj{ }ku mld }k hhldl cld { hld h }c hnk ` }c }qld fh }ku hj LC]FHW JHA ]u{ lckl,

icld r }c f sof lc rkh lld hjn f qld cn} ld l{, ak r ld{ lj{ hhldl cld jld hlc }qjlc lcju q} dj{ d} r cn} ld l{ R }c, WDM hld hl

wck h lcld fh }ku q qld, hh akl wcw clc ld h }c wc cw rk h kfhj flc

Xju { ` f} x hckl `h lcf f qld cn} ld hcn rj{ }ku mld5

1,:, S{ mld hckl `h Fjqio}kld k rk cn} ld hcn rj{ }ku mld,Zuld a clc lc ldl cld r hh xl wcf mhc r hj ldl cld ` f}

ku q} hl }ck} R }c ldl cld hl wck s{ mld hckl `h Fjqio}kld h }c,

ld l h }c of clc lc hj ldl cld l dl rk ldk ml lc} R mlc h }c }qon ald ql, w wchc }k WDM r }ql hh }u{l wc `l hl Cnh hldh }c }kw hl } ml wc hh hf ml h, }ld zu, wc} zu icu{l fk, wc aklhh hcld }qlc u k h ak} }ql k wc} }cjlc hj wcld

WDM hld ll }f cku ldckl hu, ku }qj hh xl wcf mhc r hj hh k}c hlc }qjlc }ql hld j alXju wcl }hc u r lch kf, lu h ku iklx `{ ikl wcl ck hj ichc cld h }c j qj mhc r }} lc}, h `k lc} hcnh cjk al

R rj{ }l hcw hj hl a hld lcl rkl, WDM hld h }c }l mld hh fk

zujl c }ld }cf ick `ld ichc cld hcn wcld H }c l hh h zujl clchclc, mnjlc ldckw, hh }qld ch dkk }cku r `nk clc xl wcf l{

R hcn rj{ fuj lc, WDM h }c i} cw rk hh hld }{ j h, }ch ckl anf ald hclc hl lc lc fuj

R hcn rj{ mu ch, k }ld hc {u ` hh ch xklc rj }} ldckw hw KKK rhh ch xklc hcul a }} ldckw k ch WDM h }c wck cw rk hh hld }{ } rlmu ch, hh }qld ch }ql j al cn} ld h }c }kw hl h dl cl rk

Xklc rkl5 Ld Cld Clc & 8= &

F xklc rkl5 73?87877?:


35/39

An hn ikl }w

ichc cld Zuj dkk }chc lcld }ch fh hj hh ah wc cu{lc r }c }h rj{rl, c x rj{, x }kl rj{ rl r }k xl f an,

R rkh fuj so f{, }, WDM hld h }c i} cw rk hh k ` wcl wck sodl zuld a r xl wcf hcn rj{ }q dw hj flc WDM hld x }cj }cul

hh k ` l{ }qon ald ql hj ldl cld }k xcntqnnf, wc} c x rj{ rl hld lchh ah cld ml ichc cld fuj so

R WDM h zu{ f lc, mn hckl `h Fjqio}kld hld h }ch ckl }qlzu{ f lc, h }c ` suld zujlc icu rh cn} ld hj wcld r }l mld lcldfk zujl c hj lcl rkl

1,1, S{ mld hckl `h hcn rj{ }ku mld ld l r cw ml k rk ichccld,

]ck dkjl cn} ld hj WDM } ick }clc `w l lj{ }u{ ` s{ mld h`ld ichc cld h lcl }ld k, r hc {u hh cn} ld hcn rj{ }ku mld ` r

h lcl, mnjlc ldckw hcj h lcku Lcld WDM hld icld ll r }c f ` `rkh }f hh ldul ichc cld h lcl fk hc }w }quld rn hh ichc mnjlcldckw }ld mnjlc }cu ak r { h sh lc ` k }ld hclc hj rkh cu{ld }kl dk, }cjlc }nl, hcu{l }kl m x `ld hckf } }qld `l lc} r hclclcf ichc cld l{ h }c { flc hcn rj{ h lcl rk fh hc }ku mld

]qnld fk zujl c dkj ldl cld rk ichc cld, hc }l dk rjk }q q} zujl}qld, l zu{} lc x }clc hld cj{ }c} ak hj ldl cld Ldl cld x cldl lcld k }ld ichc cld h ic lld cnl }q l }}, cj{ lk hhc ich `

jld iklc mnjlc }} ]u{ lckl icld wck `h ln ichc cld hld `f l iklcmnjlc }}, r }c k ck ldl cld wck h lcld hclc xhc hcn rj{ }ku mld cw `,rj dk u{ }l k rk ichc cld }qnld zujl c al cld, rj f an h jl }nlrl }qnld cn} ld iklc mnjlc ldl cld

k rk lcf ichc cld ckl }k hj wcld, wcld hl wck mu{ }q fk zujlc ] lcld ichc cld l{ h }c x ` u fk f qj lcld fk zujl c ichlc al a, ldk }cl, hj c

Rk h }lc hld ld hj icu rh ml h ll }cld }kl x h x }qu{ ml,`jl }j lcjlc r xn xlc Wcld x { flc zuld a r hh xl wcf hj cn} ld

hcn rj{ }ku mld ]cld }kl h }c }qu{l }k }cld zuj Ajl zul `, ald }kl hj icu}w }c cnh ald ql r }q m zujl x} lc} Lcld }qh }kl wck { flc x hf} hj WDM }ql j al l hh hf ml h l{ Ilc l dkl r }qh }kw ` hclczu{l hj zul, wcld l hh } ml wc cnh }cld zuj al }kl }ql k wc}}cjlc

1,8, Lld hjn }qlc n }n hj hh hl a lcl rkl }l mld,]qlc ldckw r hj hl a ` f} ku c} xh zujl }qld }qnld x wc}

}qkl hj ldl cld Ak { hclc ` a f} hj ldl cld Ld{ lj{ ick f hh xl

Xklc rkl5 Ld Cld Clc & 8? &

F xklc rkl5 73?87877?:


36/39

An hn ikl }w

wcf mhc r hj hh ldl cld dl lc ` dkld lcju }c hclc {u } r wcnld hhcwch r r }ck hj lcl rkl x }n ll x ich ak} dkj ldl cld l{ rk ldlcld ichIchc cld x lc dk ldl cld }cld zuj }ck `f rkh hj lclrkl h hcu{l ldckw cj{ icld, h }c }kl }ld `j hcl mhc r hj ldl cld

cj{ icldWcl `l hh mhc r hj hh ldl cld ` j wcl dkld lcju, mn ldl

cld hl wck `{ rkh lld hjn hc} `ld wch r ichc cld ` ll }ld }qnld s{mld hckl `h hlc }qjlc dklc }c wcl r ichc cld lld hjn hc} `ld

wch r, ldl cld hl `{ x ck `ld hj ichc cld ` fh }ku cld u Hl a}l mld hl wck h }ck lkf l }qnld dkjn }kw rk ichc cld, cld ml hli, hcu n hh dk{ }, }c }h ichc cld h x hcul a { , icld f} }ckdkjl k `k lcku `l, lcku lk Wcld dkjn mhc `h ln hld wck icjld }qjld, xhcx, ckl k, `hc x { hld hclc ` f} x }l }qld k rk ichc cld

]con of h ak}, WDM hld h i cnhc n }n lcl x ]qld l r xi} cw rk }quld }f n }n `l i cnhc n }n `k lcl x lc i cld zu ]qld}f ` n }n }ch } lcl rkl hj wcld# h ak} ` a wcl WBH r QJ+ h hklcl }ld }c r }} h hh xl wcf, mhc r f ldl cld jld h Fh hc ` fklcl rkl hj Wcld h }c al hcn hh xl wcf mhc r hj ldl cld } cu{ld, hcn rj{, iklc mnjlc ldnk }, }cjlc }nl zuh } hh xl wcf mhc r ich,lcf of `k x ck `ld hjn lc} l ichc cld r }n mnjlc x r hcn wcld {` f} i cnhc r hld ld l r hl }ck}

1,=, j mld cj hh xl wcf mhc rHld lc a} h f} ldl cld, LC]FHW Hcu hld `ul wck k fk hhxl wcf mhc r hj flc }cu c} ichc cld Ald hh clc }ch ich lcju cu{ ld rl, ldl cld h }c x h u k h ak} rk h lcl dk }kl lcku, }ld}cld, zuj{ x }qld }cld, ckl lj{ ldl cld Hcu hld h f} x hcld}qlc lc 5 }hc `{ kf& lcl zu }ld mlc hcn hld }{ mu ch& k }h `kl i} rkJHA9 lf xklc i mku, lc r{ h }c }c{ hh xl wcf mhc r hj ldl cld Hcu hld q} j mld Huh xld `ul }cj{ k }ld ld{, r r{ rkh }f qj lcu huhj ichc cld q} zujl }qld ]u{ lckl hld wck xld }n hh xl wcf wc cw

rk lcu hu hj }ld k }ld ichc cldKKK, F} x ikl ldc8,: Ikl ldc rk LCLL r Hclc wc

& Rkh f qld r lld hjn hc} `ld }qnld cn} ld hcn rj{ hj ldl cldicld hc k ck x l `h } wcj ldl cld f hl h x dkw , zujl }fhj hh hw hclc zu{l, x wck cw hj hh ajl ldlc h `kl zujl R r{,Hclc wc hld hl h lcld akl c }q f qld r wc} }qkl hcn rj{ }kumld hj hh LC]F


F xklc rkl5 73?87877?:


37/39

An hn ikl }w

& Ldl cld lc lh hl cnl }ckl c }cld }cld }kl `kl ldl cld, {flc fk zujl c dkj hh ldl cld rk lcju, }ck} `w fk zujl c f} }ck} h }c s{ mld f} c }cld }cld }kl hculd hcn }nl c }cld Lc }c,hh ldl cld x m mld cl }qnld zu }qlc s ` }cld }kl ichc cld, }qlc

}lc }qld rj{ n l hj ichc cld, }qlc qk qn hcn hh ldl cld& Hclc wc ll h akl wcw c }q xl su} }ku mld }qnld lh Ak r ick

xl wc} }qkl x `f }ld huld cld cj }ql }c }qld, w ld }} cl lcuhu hj ldk ml Zuj dw wcl dkf } ` }c} ldckw, }ld }cu lcw hcnldk ml, hk }ckl k xld ml h, ihc }chc }ku mld, ick HR]M hjhh ldl cld }cld fk hld h ku ikl wc} }qkl

8,1 Ikl ldc k rk WDM ]l h ]cld& WDM hl h hc k ld lcl rkl iw }ck r ld l ku l{ x ichc

` lcl rkl h ld `h `f rkh cku zu cl& ]ld hld }l mld lcld fk zujl c zuol ak} hj lcl rkl }qnld wcld,

} ichc cld l{ rk ichc cld ich } ld{ hld h lcku ichccld l rk wcld dkjn mhc, }ld ldul }cu hj wcld }cf lj

& ]qjld a hh }qjld }ck} a ckl k H x r} hc} i }cu} ` f} }qnld lcldclc lc u }kl r ldl cld ick ichc cld l dkjn mhc Ak ichc cldfnld ful }kl clc dkjn mhc rk lcld ldl cld h }q x ikl h, }qjld}ck} a ckl k Lcld clc lc l{ x }n hcn ichc cld x }kl }ld, jl

}nl, }cnk fk r }cul }kl ick dkjn mhc& ]ld hld fjqio}kld r wcld dkjn mhc }ql j al suld zujlc @k }c hjWDM ` h } }ql f} }u{l wc ic ld h, ldj{ }k }quld }f }clc

wc, suld zujlc ` lcld c ml h R }c, wcld hl wck wc} cu{ }k j `k}c j al hj flc

KR, Wcl ck } h zujl }ch }w


F xklc rkl5 73?87877?:


38/39

An hn ikl }w

I} ùl

Hcn rj{ }ku mld ` f} cld k fk hj hh LC]F Rk} Ljf r ` f} }c}qld q} }kf lf Rkh ldckl hu hh dkk wcw lld hjn hc} `ld hcn rj{ }kumld ` q} hl }ck} r h ldcj icld hc qkld k rk ldl cld Hcu f hldkw }ch ckl hh hclc xhc ihc hu }ku mld hj Hclc wc, dkw h lcl r cdkj lc h h ck }kw hl xl wcf mhc r ldl cld hk }ckl, lld hjn hc}`ld huh xld hj flc

]qnld zu }qlc `f an hn, of i} cw dkj ` ùl r }cu }cw }cld }klrk fh hc j qj f} x dkk wcw r ikl ldc lcf lld hjn hc} `ld hcn rj{

}ku mld Lk muld ak an hn hj of df lcld fh }ku xju5F} `, c }cld cj f} x rl ` ùl h al r hcn rj{ }ku mld hj

LC]F Zuj }c{ h rjk }q hj hcn rj{ }ku mld k rk ldl cld, ll iklc }r ldk }ku mld

Cjk `, } i} zu wcl }hc, lc dk }ch }qld r cn} ld hcn rj{ }ku mld}k wcld dkjn mhc ]l h ]cld }ql h x }cu }cw x `ku, of j qj f} x ikl r i} zu iklc mnjlc r lcld }l }k hl wck dkk zu{} hj wcld

Aj `, }ql h h ùl h icnj ch r }ch } cn} ld hcn rj{ hj wcld, of j qj f} x dkk wcw lcf lld hjn hc} `ld hcn rj{ }ku mld }k wcld

Mn }qlc h cl ll ak an hn hj of x icld }qlc ick lcld }cku x}r cl hc Of q} fnld lcl h x dw hj h h }c cnl }ckl ak hj flccl lj

Huk hld of skl hcl }clc hf l x cld ml lck} }lc hj ]kl x ]ql]c @ld Alc, dkld rkl icnj ]k Hclc& Ldl Cld, C Ldnk ]cld JlcCnld ]quld @l& dkf h wcld dkjn mhc ]l h ]cld& LC]F HW JHA hcklclc C Lk hld hc Ldu{l ]cjlc ]c{& lcl rkl WBH cld ml of }qnldzu }qlc of }ch }w }k wcld


F xklc rkl5 73?87877?:


39/39

An hn ikl }w

]k `ku }cjf icn

: An hn i} zu cn} ld iklc mnjlc hj wcld dkjn mhc ]l h ]cld

1773&17:7

1 Wo}oq XQnxo, Zul }q ldl cld }cld fk, LSA ]k hclc

8 WDX]X Ldu{l Rl ]kl, Ldl cld }cld fk, LSA ]cld i

= c}}w5..jhahnfrl

? c}}w5..rloswqoxxlo}

2 c}}w5..xjdjrl

4 Hclc wc, @u} hh } hch }l mld, LSA Hclc }q Zuh dkj
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