final ssm hospital

7/30/2019 FINAL SSM Hospital

1/31


2/31

KJQUNAS@QKNJ QN HCILH @IUCHcilqh ìuc dcijp i wkac ija kjqcjpkvc fnud nf pcuvk`cp, whk`h wkll ec ucliqca qn

wcll eckjg nf hsdij eckjgp* Hcilqh @iuc kp i pn`kil pc`qnu* Hcilqh @iuc pcuvk`cp iucrunvkaca iq pqiqc lcvcl wkqh qhc hclr nf `cjquil gnvcujdcjq* Hcilqh ìuc kp i wkacija kjqcjpkvc kjaspqu{, whk`h nvcup Hnprkqilp, Hcilqh Kjpsuij`cp, Dcakìlpnfqwiuc, Hcilqh$ cyskrdcjqp ija Rhiudi`{ kj kq*

Dionu kjrsqp nf hcilqh ìuc kjaspqu{?

Qhc dionu kjrsqp nf hcilqh ìuc kjaspqukcp iuc ip lkpqca eclnw?

K* HnprkqilpKK* Dcakìl kjpsuij`c

KKK* Dcakìl pnfqwiuc

KV* Hcilqh cyskrdcjqp

Nvcuvkcw nf hcilqh ìuc pc`qnu kj Kjaki?

Kjakip hcilqhìuc pc`qnu hip diac kdrucppkvc pqukacp kj uc`cjq {ciup* Kq hipquijpfnudca qn i SP! 97 ekllknj kjaspqu{ ija kp psugkjg ihcia wkqh ij ijjsilgunwqh uiqc nf 90# i {ciu* Qhc hcilqhìuc kjaspqu{ kj Kjaki cxrc`qca qn gunw kjpkzc qn Up572, 222 ùnucp e{ 5295* Qhc hcilqhìuc kjaspqu{ cdrln{p nvcu fnsudkllknj rcnrlc, whk`h dimcp kq njc nf qhc liugcpq pcuvk`c pc`qnup kj qhc c`njnd{ nfnsu `nsjqu{* Hcilqhìuc kp acrcjacjq nj qhc rcnrlc pcuvca= Kjakip hsgc rnrsliqknjnf i ekllknj rcnrlc ucrucpcjqp i ekg nrrnuqsjkq{* Rcnrlc iuc prcjakjg dnuc njhcilqhìuc* Qhc ukpcj lkqcui`{ uiqc= qhc hkghcu lcvclp nf kj`ndc= ija ij kjùcipca

iwiucjcpp qhunsgh qhc accr rcjcquiqknj nf dcaki, hip `njpqkqsqca qn guciqcuiqqcjqknj eckjg rika qn hcilqh* Kjaki hip i vcu{ lnw acjpkq{ nf an`qnup* Kjfijqdnuqilkq{ kp idnjgpq qhc hkghcpq kj Kjaki*


3/31

Hnprkqilp kj Kjaki iuc usjjkjg iq 82$;2# n``srij`{* Dionu `nurnuiqknjp lkmc qhcQiqip, Irnlln Gunsr, Fnuqkp, Dix, Wn`mhiuaq, Rkuidil, Asjìj, Kpriq, Cp`nuqp hivcdiac pkgjkfkìjq kjvcpqdcjqp kj pcqqkjg sr pqiqc$nfqhc$iuq rukviqc hnprkqilp kj`kqkcp lkmc Dsdeik, Jcw Aclhk, @hcjjik ija H{acuieia* Gnna Hcilqhìuc kj Kjaki kpkj cxqucdc phnuq psrrl{ ija kq kp qhkp gir qhiq @nurnuiqc iuc lnnmkjg qn rlsg* Dnpqspcup nf hcilqhìuc rucfcu rukviqc pcuvk`cp qn gnvcujdcjq njcp* Qhc rukviqcHcilqhìuc pcgdcjq hip gunwj kjqn i fnudkaielc kjaspqu{ cpqkdiqca qn ec Up*8,22,222 ùnucp* Spkjg qhc liqcpq qc`hjkìl cyskrdcjq ija qhc pcuvk`cp nf hkghl{pmkllca dcakìl rcupnjjcl qhcpc hnprkqilp iuc kj i rnpkqknj qn runvkac i viukcq{ nfgcjcuil ip wcll ip prc`kilkpqp pcuvk`cp*

Kjaki kp wcll rnpkqknjca qn qir qhc qnr cja nf qhc !0 qukllknj glneil hcilqhìuc

kjaspqu{ ecìspc nf qhc fi`klkqkcp ija pcuvk`cp kq nffcup, ija e{ lcvcuigkjg qhceuija cyskq{ nf Kjakij hcilqhìuc runfcppknjilp iùnpp qhc glnec, pika VkjnaMhijji, Sjknj Dkjkpqcu nf Pqiqc fnu Cxqcujil Iffikup* Qhc Gnvcujdcjq nf Kjakirli`cp qnr ruknukq{ qn hcilqhìuc kj qhc jiqknjil igcjai* Kqp vcu{ pcuknsp iensqcj`nsuigkjg kjakgcjnsp U&A ija ùciqknj nf hsdij ìrkqil* Qhkp wnsla kdrunvc qhcysilkq{ nf lkfc nf nsu rcnrlc, lciakjg qn guciqcu pn`kn$c`njndk` rungucpp nf qhc`nsjqu{* Ip dcakìl `npqp pm{ un`mcq kj qhc acvclnrca wnula, `nsjqukcp lkmc Kjakihivc kddcjpc rnqcjqkil fnu whiq kp ìllca %Dcakìl Qnsukpd, hkghlkghqca Hiuril

Pkjgh, @njfcucj`c @hikudij, kj hkp qhcdc iaaucpp* Kjaki, wkqh nsqpqijakjg hsdijucpnsu`c qilcjq ija qhc pcqqkjg sr nf wnula `lipp dcakìl fi`klkqkcp, wip jnw rnkpcaqn qimc lciacuphkr kj qhc fipq cdcugkjg iucji nf hcilqhìuc dijigcdcjq whk`h kpwkqjcppkjg qhc fkupq pkgjp nf glneilkziqknj*


4/31

DIUMCQ IJIL[PKP

Diumcq Nvcuvkcw

Kjaki hip i fikul{ `ndruchcjpkvc hcilqhìuc p{pqcd `ndrukpkjg nf gnvcujdcjq ijarukviqc pcuvk`c runvkacup* Hnwcvcu, qhc p{pqcd uci`hcp eiucl{ fkfq{ rcu`cjq nf qhcrnrsliqknj dikjl{ nj i``nsjq nf gcjcuil kjfuipqus`qsuc enqqlcjc`mp* Qhc nsjqu{ligp echkja kjqcujiqknjil pqijaiuap nj eipk` hcilqhìuc kjfuipqus`qsuc ijafi`klkqkcp* Kjaki hip ;1 ecap rcu 922,222 rnrsliqknjp ip `ndriuca qn qhc WHNjnud nf 000ecap rcu 922,222* Qhc acjpkq{ nf an`qnup kp ilpn lnw* Qhcuc iuc njl{10 an`qnup fnu i rnrsliqknj nf 92,222*

Pkzc nf Diumcq

Kjaki'p hcilqhìuc kjaspqu{ kp cpqkdiqca iq Up 9222 ekllknj* Nf qhkp,rhiudi`csqkìlp i``nsjq fnu Up 522 ekllknj* Ip rcu pndc cpqkdiqcp, Up 983 ekllknj kpprcjq nj hcilqhìuc ijjsill{* Nj ivcuigc, Kjakij fidklkcp prcja 622 rcu dnjqh njhcilqhìuc whk`h kp 99# nf qhc hnspchnla kj`ndc, phnwkjg qhiq qhc{ iuc wkllkjg qnprcja runvkaca qhc pcuvk`c qhc{ gcq kp nf hkgh pqijaiua* I``nuakjg qn Qhc Wnula

Hcilqh Ucrnuq 5222, Kjakip hcilqh cxrcjakqsuc kp 3*5# nf kqp GAR* Rselk` ijarukviqc hcilqh cxrcjakqsuc kp 90# ija 87# ucprc`qkvcl{*

@KK$D`Mkjpc{ Pqsa{

I onkjq pqsa{ %Hcilqhìuc kj Kjaki? Qhc Unia Ihcia% anjc e{ qhc @njfcacuiqknj nfKjakij Kjaspqu{ ijaD`Mkjpc{ & @ndrij{ kj 5225 dcjqknjp qhiq Kjaki hip 9*3 ecaprcu 9222 rcnrlc whklc @hkji, Euizkl & Qhiklija hivc ij ivcuigc nf 1*0 ecap* Qhcpqsa{ runoc`qp qhiq `hijgkjg acdnguirhk`p ija akpcipc runfklcp ija ukpkjgquciqdcjq `npqp wkll ucpslq kj hcilqhìuc prcjakjg dnuc qhij anselkjg nvcu qhcjcxq 92 {ciup* Rukviqc hcilqhìuc wkll ec qhc liugcpq `ndrnjcjq nf qhkp prcjakjg kj5295, ukpkjg qn Up 9362 ekllknj fund qhc `suucjq lcvcl nf Up 6;2 ekllknj* Kj iaakqknj,rselk` prcjakjg `nsla anselc fund Up 972 ekllknj kf qhc Gnvcujdcjq uci`hcp kqpqiugcq prcjakjg lcvcl nf 5# nf qhc GAR, sr fund 2*;# qnai{


5/31

RCPQ IJIL[PKP

Rnlkqkìl fi`qnup

Dnpq nf qhc hcilqh{ jiqknjp iuc ilpn wcilqh{ jiqknjp* Kj Kjaki cvcj ifqcu 30 {ciupnf kjacrcjacj`c wc ill hivc qn i``crq qhiq gnvcujdcjq hip fiklca qn runvkac eipk`hcilqhìuc* Hcilqhìuc kp qhc jcglc`qca fkcla, njl{ dcijq fnu plngijp e{ nsurnlkqk`kijp* Qn kdrunvc hcilqhìuc fi`klkqkcp wc hivc qn runvkac prc`kil ippkpqij`c qnrukviqc hcilqhìuc pc`qnu* Qhc ucilkq{ kj rukviqc hcilqhìuc pc`qnu kp qhiq ip ijkjaspqu{ kq hip lnjg gcpqiqknj rcukna ija pn dnpq nf qhc ekggcu runoc`qp fikl*

Gnvcujdcjq hip qn gkvc `cuqikj `nj`cppknjp qn rukviqc hcilqh pc`qnu* Kq ìj ec kjqhc fnud nf fucc lija fnu pdill hnprkqilp iq akpquk`q lcvclp nu `nj`cppknj kj rnwcuqiukff* Gnvcujdcjq liqcu nj gcqp ei`m ucvcjsc kj qhc fnud nf qix whcj qhcpckjpqkqsqknjp pqiuq dimkjg runfkqp* @nj`cppknjp ìj ec lkdkqca qn fkupq fkvc {ciup nupn* Dihiuiphqui gnvcujdcjq kp rli{kjg ij kdrnuqijq unlc kj qhc acvclnrdcjq nf qhchnprkqil pc`qnu*

C`njndk` fi`qnup

Qhc Kjakij hcilqhìuc kp qhc jcxq ennd kj qhc `nsjqu{ ifqcu qhc KQ csrhnuki*Pcqqkjg sr hnprkqilp kp jnq ij cip{ qipm* Qhc idnsjq nf hnprkqilp kj Kjaki kp vcu{lcpp whcj `ndriuca qn qhc nqhcu acvclnrca `nsjqukcp* Cvcj qhc sueij iucip an jnqhivc cjnsgh dcakìl fi`klkqkcp* Kj qhc usuil iucip njc vklligc hip njl{ njc an`qnu,whn di{ jnq ec vcu{ wcll ysilkfkca* Qhc nqhcu gnvcujdcjqp nf nqhcu pqiqcp phnslaqimc sr i `sc fund qhc Dihiuiphqui gnvcujdcjq, kj pcqqkjg sr pkdkliu Onkjqvcjqsucp ill nvcu qhc pqiqc wkqh qhc ippkpqij`c nf Wnula Eijm* Qhc Wnula Eijm ìjdimc iviklielc fsjap nf iunsja Up 722ùnuc fnu pqiqc hcilqh p{pqcdp ijaacvclnrdcjq runoc`qp* Qhc rcnrlc kj Kjaki an jnq ivikl nf qhc hnprkqil fi`klkqkcpvcu{ pnnj* Qhkp kp ecìspc nf qhc hkgh `npq ucliqca qn kq* Hnwcvcu qhkp di{ ill`hijgc ecìspc nf qhc kjùcipkjg acrln{dcjq nf qhkua riuq{ ri{dcjq ckqhcu kj qhcfnud nf Dcakìl ija Illkca Kjpsuij`c, nu kj qhc fnud nf uckdesupcdcjqp fund qhcPqiqc* Qhkp kj qsuj wkll kjùcipc qhc cdrln{dcjq nrrnuqsjkqkcp qn dij{ rcnrlc*


6/31

Pn`kil Fi`qnup9* @cuqikj rcu`cjqigcp nf ecap hivc qn ec mcrq fnu rnnu rcnrlc* C*g* kj Endei{52#nf ecap hip qn ec mcrq ucpcuvca fnu rnnu rcnrlc*

5* Lnnm ifqcu qhc jccap nf lnìl rnnu rcnrlc*

0* Nrcj `nsjpclkjg ija uclkcf `cjqcup*

1* Qci`h h{gkcjc, pijkqiqknj idnjg qhc rnnu dippcp*

3* Pifc akprnpil nf hnprkqilp wipqcp lkmc spca kjoc`qknj jccalcp, wipqc elnna cq`*ija qimkjg asc ìuc nf cjvkunjdcjq*

6* Pruciakjg iwiucjcpp iensq viuknsp akpcipcp qhunsgh idrikgjp ija fucc dcakìl`hc`msrp*

7*Kj eukcf qhc pn`kil iprc`q nf hnprkqilp kjaspqu{ kp qn pcc qhiq liqcpq quciqdcjqija dcak`kjcp iuc iviklielc qn rcnrlc iq liugc iq `nj`cppknjil uiqcp nu fucc nf `npq

ija qhiq kqp i`qkvkqkcp iuc jnq njl{ ucpquk`qca qn uk`h rcnrlc*

Qc`hjnlngkìl Fi`qnup

Wc iuc wkqjcppkjg Kjfnudiqknj qc`hjnlngkcp quijpfnudkjg qhc wi{ hcilqh iuc phillec aclkvcuca* Kjjnviqknjp ps`h ip `ndrsqcu eipca hnprkqil kjfnudiqknj p{pqcdp,dcakìl uc`nuap= ac`kpknj psrrnuq p{pqcdp, hcilqh kjfnudiqknj jcqwnump,qclcdcak`kjc, ucil$qkdc kdigc quijpfcup ija jcwcu wi{p nf akpqukesqkjg hcilqhkjfnudiqknj qn `njpsdcup iuc ecgkjjkjg qn iffc`q qhc `npq, ysilkq{, ijai``cppkeklkq{ nf hcilqh ìuc* Qhc qc`hjnlngkcp qnai{ ìj psrrnuq vipq aiqieipcp,jcqwnum nddsjkìqknjp, ysk`m akpqukesqknj ija uclkielc kdigc quijpfcup


7/31

KJQUNAS@QKNJ QN HNPRKQILP

Sjqkl qhc ciul{ 9;82p, Gnvcujdcjq$usj hnprkqilp ija qhnpc nrcuiqca e{ `hiukqielcnugijkziqknjp* Qhc lipq qwn acìacp hivc pccj qhc dsphunndkjg nf `nurnuiqc ijarukviqcl{ usj hnprkqilp* Dnpq liugc quspq ija `nurnuiqc hnprkqilp hivc kjvcpqca kjdnacuj cyskrdcjq ija fn`sp nj psrcu$prc`kilqkcp* Qhc rukviqc pc`qnu i``nsjqp fnu72# nf rukdiu{ dcakìl ìuc ija 12# nf ill hnprkqil ìuc kj Kjaki* Qhc{ cdrln{82# nf qhc `nsjqu{p dcakìl rcupnjjcl* Qhc `nurnuiqc hnprkqil pc`qnu kp dnpqcvnlvca kj qhc pnsqh whklc `hiukqielc.quspq hnprkqilp runlkfcuiqc kj qhc wcpq*Hnwcvcu, qhc jnuqh ija cipq iuc ilpn phnwkjg i gunwkjg qucja kj rukviqc hnprkqil

cxrijpknj* Mc{ qhcuircsqk` iucip iuc iuaknlng{, jcrhunlng{, nj`nlng{, nuqhnrcak`p,gcukiquk`p, diqcujkq{ ija quisdi.ùkqkìl iuc* Hnprkqilp iuc jnq fnu runfkq dimkjg,qhc{ iuc pn`kil kjpqkqsqknj qn dimc iviklielc qn pn`kcq{ qhc ucyskuca Dcakìucpcuvk`cp* Hnwcvcu qhkp di{ jnq ec qusc fnu rukviqc hnprkqilp* Qnai{ hnprkqilp iuc irli`c nf akigjnpkp ija quciqdcjq nf hsdij kllp, fnu qhc quikjkjg ucpciu`h, rundnqkjghcilqh ìuc i`qkvkqkcp ija qn pndc cxqcjq i `cjqcu hclrkjg eknpn`kil ucpciu`h* WHNpqiqcp qhiq hnprkqilp iuc pn`kn$dcakìl nugijkziqknj whnpc fsj`qknjp iuc? @suiqkvc,rucvcjqkvc, riqkcjq pcuvk`cp ija quikjkjg nf hcilqh wnumcup kj eknpn`kil ucpciu`h*

Wkqh qkdc qhc `lippcp ija ysilkq{ nf hnprkqilp hivc `hijgca i lnq qnai{* Dnpqhnprkqilp qnai{ iuc qu{kjg qn runvkac ill slqui fi`klkqkcp ija iuc kj qhc run`cpp nfdimkjg pqiqc nf qhc iuq hnprkqilp* Hnprkqilp runvkac qhc kjfuipqus`qsuc fi`klkq{ qnhcilqhìuc*


8/31

@LIPPKFK@IQKNJ NF HNPRKQILP

Qhc `lippkfk`iqknj nf Hnprkqilp nj qhc eipkp nf neoc`qkvc, nwjcuphkr, riqh ija pkzc*9* Nj qhc eipkp nf qhcNEOC@QKVCqhcuc iuc qhucc q{rcp?

Qci`hkjg sd ucpciu`h fnu acvclnrkjg dcak`kjcp ija rundnqkjg ucpciu`h qnkdrunvc qhc ysilkq{ nf dcak`il ika*

Gcjcuil hnprkqil fnu quciqkjg gcjcuil ikldcjqp*

Prc`kil hnprkqilp fnu prc`kilkzca pcuvk`cp kj njc nu fcw pclc`qca iucip*

5* Nj qhc eipkp nf qhc NWJCUPHKRqhcuc iuc fnsu q{rcp?

Gnvcujdcjq hnprkqil, whk`h kp nwjca, dijigca ija njqunllca e{ gnvcujdcjq

Pcdk$gnvcujdcjq hnprkqil, whk`h kp riuqkill{ phiuca e{ qhc gnvcujdcjq*

Vnlsjqiu{ nugijkziqknjp ilpn usj hnprkqilp*

@hiukqielc quspqp ilpn usjp hnprkqilp*

0* Nj qhc eipkp nf RIQH NF QUCIQDCJQ qhcuc iuc?

Illnriqh whk`h kp qhc p{pqcd rundnqca sjacu qhc Cjglkph p{pqcd*

I{suvca, whk`h kp eipca nj qhc Kjakij p{pqcd whcuc hcueilp iuc spca fnurucriukjg dcak`kjcp*

Sjijk

HndcnriqhNqhcup


9/31

1* Nj qhc eipkp nf qhc PK_Cqhcuc iuc?

Qci`hkjg hnprkqilp gcjcuill{ hivc 322 ecap, whk`h ìj ec iaospqca kj qsjc wkqhjsdecu nf pqsacjqp*

Akpquk`q hnprkqil gcjcuill{ hivc 522 ecap, whk`h ìj ec uikpca qn 022 kj`njqkjgcj`kcp*

Qilsmi hnprkqil gcjcuill{ hivc 32 ecap qhiq ìj ec uikpca qn 922acrcjakjg njqhc ucyskucdcjq*

Rukdiu{ hcilqh `cjqcup gcjcuill{ hivc 6 ecap, whk`h ìj ec uikpca qn 92*

KJQUNAS@QKNJ QN CDCUILA AKIECQCP

HNPRKQILAkiecqk` Ippn`kiqknj nf Kjaki wip fnudca kj 9;33* Qhc ippn`kiqknj wipfnudca qn casìqc ija akppcdkjiqc kjfnudiqknj nj`cujkjg akiecqcp qn qhc rselk`,kq pnnj ecìdc qhc irriucjq qhiq dcdecup nf qhc dcakìl runfcppknj ilpn jcca qnec casìqca, quikjca ija srguiaca kj qhcpc fkclap ip rcu uc`cjq kjjnviqknjp asc qnrungucpp nf ucpciu`h ija acvclnrdcjq* Qn i``ndrlkph qhkp gnil, qhc Ill KjakiKjpqkqsqc nf Akiecqcp wip cpqielkphca sjacu qhc icgkp nf qhc akiecqk` ippn`kiqknj

nf Kjaki kj 9;71* Akiecqcp ip ij ikldcjq fnsja jcw `ndeiqijqp ip qhc kjpqkqsqccasìqca ija quikjca i whnlc jcw gcjcuiqknj nf an`qnup, jsupcp ija qhc ucyskucadcakìl pqiff kj qhc fkcla nf akiecqnlng{*

Kq wip qhcj qhiq P*L* Uihcoi hnprkqil iq Dihkd wip pcq sr ip i prc`kilq{ hnprkqil kjakiecqcp* Jnw qhc{ qnn hivc dnvca nj, ija hivc cxrijaca qhcku pcuvk`cp fnu `sukjg


10/31

ikldcjqp ps`h ip ìj`cu ija hivc ec`ndc i dslqk prc`kilkpq hnprkqil* Kq kp fkjill{jnw, CDCUILA AKIECQCP HNPRKQIL* Kq kp pkqsiqca iq Wnulk, wkqh i vkcw fi`kjgqhc pci, i vcu{ i``cppkelc lnìqknj, qhc hnprkqil rundkpcp qn runvkac ysilkq{ akiecqk`ìuc qn riqkcjqp* Ilpn hclrp kj rucvcjqknj nf qhc akpcipc, ip kq kp jnq `suielc* Kqpsrcu prc`kilkzcp kj osvcjklc akiecqcp* Nsu ikd kp qn prc`kilkzc kj njc iuci ija qhcjdnvc nj qn ijnqhcu* Nsu pcuvk`cp iuc qhc `nuc prc`kilqkcp qhiq runvkac`ndruchcjpkvc ija iffnuaielc iuc qn riqkcjqp psffcukjg fund viuknsp akiecqcpucliqca ikldcjqp* Qhc eca ìri`kq{ nf nsu hnprkqil kp 32 ecap, whk`h wkll eckjùcipca kj jciu fsqsuc* CDCUILA wkll ec i ucjnwjca jidc kj qhc fkcla nfdcak`kjc* Iq CDCUILA wc iuc iwiuc nf nsu pn`kil ucprnjpkeklkqkcp, fnu whk`h wcusj viuknsp hcilqh ìuc ìdrp ija pcppknjp qhiq casìqc qhc gcjcuil rselk` iensq`nddnj hcilqh runelcdp, qhcku rucvcjqknj ija `suc* Qhc hnprkqil hip eccj acpkgjcaip rcu qhc jnudp ija qhc uslcp lika anwj e{ qhc Ill Kjaki Ippn`kiqknj nf Hnprkqilp*Ilpn qhc qc`hjnlng{ ija qhc cyskrdcjqp iuc ip rcu kjqcujiqknjil pqijaiuap* Kq kppqiuqca qn pcq i ecj`hdium kj ysilkq{ ìuc, cqhkìl rui`qk`c, irrunrukiqc `npq ijaquikjkjg fnu qhnpc kj qhc runfcppknj*

NSU VKPKNJ?

Qn ec i lciacu kj hcilqh ìuc pcuvk`cp

NSU DKPPKNJ?

Qn runvkac ysilkq{ ìuc kj mc{ prc`kilqkcp, cxrlnkqkjg qhc fsll rnqcjqkil nfqc`hjnlng{, wkqh dcakìl ija dijigcukil cxrcuqkpc

I RKC@C NF WNUA FUND QHC DIJIGCDCJQ

Wc iq CDCUILA AKIECQCP HNPRKQIL eclkcvc kj nsu dnqqn$ lcq qhc pwccqjcppucdikj* Fnu qhkp cja wc iqqcdrq qn runvkac dnuc qhij ospq qhc ecpq rnppkelcdcakìl quciqdcjq qn nsu riqkcjqp* Nsu fikqh lkcp kj qhc dkui`slnsp rnwcu nf hsdijqns`h* Kj mccrkjg wkqh qhkp fikqh, nsu riqkcjqp iuc quciqca wkqh rcupnjil ìuc ijadcakìl cxrcuqkpc* Wc pqukvc `njqkjsnspl{ qn kjvcpq kj qc`hjnlng{ ija hcilkjg


11/31

qc`hjkyscp* Nsu ikd kp qn ndekjc cxrcuqkpc, pqiqc$nf$iuq$cyskrdcjq ija iuc$ qn`njqunl qhc prucia nf akiecqcp ija dijigc qhc lkvcp nf akiecqk` kjakvkasilp*

Wh{ CDCUILA>

VILSC PQIQCDCJQ?

Nffcu kjqcujiqknjil pqijaiua nf ysilkq{ iq ucipnjielc npq*

@iuc wkqh hsdij qns`h*

Dikjqikj i hkgh pqijaiua nf iwiucjcpp qnwiuap pn`kil kppscp, cjvkunjdcjq ijac`nlng{ ija `njqukesqc qnwiuap ysilkq{ nf lkfc nf qhc rucpcjq ip wcll ip qhc fsqsucgcjcuiqknjp*

Dikjqikj dsqsill{ ecjcfk`kil ucliqknjphkrp wkqh nqhcu igcj`kcp kjvnlvca kjhcilqhìuc ija ucliqca iucip, enqh gnvcujdcjqil ija jnj$gnvcujdcjqil*

Psrrnuq hcilqhìuc ucpciu`h*

DIUMCQ IJIL[PKP?

PQR Fnu Nsu Hnprkqil?

Wc hivc anjc qhc PQR k*c* Pcgdcjqkjg, Qiugcqkjg ija rnpkqknjkjg qn hclr sp ìuu{qhc ucpciu`h fnuwiua=

PCGDCJQKJG?

Pcgdcjqkjg viukielcp ps`h ip gcnguirhk`, acdnguirhk`, Rp{`hnguirhk` ijaechivknuil pcgdcjqiqknj hclrp kj mjnwkjg njpsdcu wijqp jccap ija ucprnjpcp nfviuknsp pcuvk`cp ija runas`qp* Kq kp vcu{ cppcjqkil qn mjnw whk`h pcgdcjq wnsla ecukghq fnu pcqqkjg sr nsu hnprkqil ip njl{ ifqcu pqsa{kjg qhc akpcipcp ija qhc rcnrlcwhn iuc akpcipca nu iq hkgh ukpm nf gcqqkjg qhnpc akpcipcp fnud nsu pcgdcjq*

Gcnguirhk` Pcgdcjq?


12/31

Kq ìllp fnu akvkakjg qhc diumcq kjqn akffcucjq gcnguirhkìl sjkqp ps`h ip jiqknjp,pqiqcp, ucgknjp, `nsjqukcp, `kqkcp nu jckghenuhnna* Njc ìj nrcuiqc kj fcwgcnguirhk` iucip, nu nrcuiqc kj ill esq ri{ iqqcjqknj qn lnìl viukiqknjp* Ifqcu ankjgucpciu`h wc ac`kaca nj pcqqkjg i prc`kilkzca Hnprkqil whk`h wnsla qiugcq illpc`qknjp nf rcnrlc, e{ ija liugc qhc cjqkuc dipp e{ aclkvcukjg viukca pcuvk`cp qn iprc`kfk` akpcipc* Qhc lnìqknj fnu nsu hnprkqil kp Dsdeik hivkjg rnrsliqknj nfiunsja90010 qhnspija rcnrlc* Iriuq fund eckjg njc nf qhc dnpq rnrslnsp `kq{p kqiuc ilpn i dcqunrnlkqij ija qhc fkjij`kil ìrkqil nf Kjaki* Kj Dsdeik qhcuc iucqhnspijap nf rcnrlc eckjg akpcipca cvcu{ai{ wkqh hiual{ ij{ dcakìl `cjqcup nuHnprkqilp qn quciq qhcd* Kj Dsdeik qhcuc iuc lnqp nf rcnrlc whn hivc Akiecqcp=pndc nf qhcd anjq cvcj mjnw qhiq qhc{ hivc qhc akpcipc*

Acdnguirhk` Pcgdcjq?Qhc diumcq kp akvkaca kjqn gunsrp nj qhc eipkp nf viukielc ps`h ip igc, fidkl{ pkzc,fidkl{ lkfc`{`lc, gcjacu, kj`ndc, n``sriqknj, casìqknj, uclkgknj, ui`c, gcjcuiqknj,jiqknjilkq{ ija pn`kil `lipp* Wkqh qhcpc viukielcp nf pcgdcjqiqknj wc gcq qn mjnwqhc rucfcucj`cp ija qhc spigc uiqcp ippn`kiqca wkqh akffcucjq `njpsdcup* Ifqcuankjg i ucpciu`h nj qhc fnllnwkjg viukielc pnsu ucpslq phnwca qhiq Akiecqcp ìj ecckqhcu ec kjhcukqca nu ìspca asc qn lkfcpq{lc akpnuacup ps`h ip wunjg ciqkjghiekqp* Hnwcvcu Akiecqcp ìj hirrcj iq ij{ igc* Nsu Hnprkqil wnsla qiugcq Pc`qknjI ija Pc`qknj E rcnrlc* Hnwcvcu rcnrlc whn iuc fund lnw$kj`ndc gunsrp ilpn fnudnsu pcgdcjq ecìspc CDCUILA kp qhc njl{ hnprkqil prc`kilkzkjg kj Akiecqcp wkqhpsrcu prc`kilkziqknj kj Osvcjklc Akiecqcp qhcuce{ runvkakjg ecpq pcuvk`cp ucyskucaqn quciq qhcpc ikldcjqp*

Rp{`hnguirhk` Pcgdcjq?

Ip rcu qhkp pcgdcjqiqknj wc hivc akvkaca qhc riqkcjqp kjqn ìqcgnukcp ps`h ip

`hklaucj eclnw 52 whn hivc Osvcjklc Akiecqcp ija qhc nqhcup whn kjhcukq nu gcqAkiecqcp ecìspc nf kj`nuuc`q lkfcpq{lcp ps`h ip wunjg ciqkjg hiekqp* Ip qnla qn spe{ akiecqnlngkpq iq P L Uihcoi hnprkqil qhiq dnpq rcnrlc whn hivc guciqcursu`hipkjg rnwcu ija iuc ucliqkvcl{ uk`h iuc qhc njcp whn psffcu fund Akiecqcp*

Echivknuil Pcgdcjqiqknj ?


13/31

Kj qhkp qhc pcgdcjqiqknj kp anjc ip rcu qhc fnllnwkjg viukielcp k*c* mjnwlcagc nf,iqqkqsac qnwiuap, spc nf, nu ucprnjpc qn i runas`q nu i pcuvk`c* Qhcpc echivknuilviukielcp n`ìpknjp, ecjcfkqp, spcu pqiqsp, spcu uiqc, ln{ilq{ pqiqsp, es{cuuciakjcpp pqigc ija iqqkqsac$ iuc qhc ecpq pqiuqkjg rnkjqp fnu `njpqus`qkjg diumcqpcgdcjqp* Ip rcu ucpciu`h ija ijil{pkp ij{ rcupnj hivkjg akiecqcp wnsla `ndc qnnsu hnprkqil ifqcu mjnwkjg qhc fi`klkqkcp qhiq wc nffcu ija qhc ìuc, `ndfnuq wcrunvkac* Qhc{ wnsla plnwl{ acvclnr quspq kj sp* Qhkp wnsla hclr kj ùciqkjg ln{ilriqkcjqp ija ùciqc gnnawkll fnu nsu hnprkqil*

QIUGCQKJG

Qhc cjqkuc rnrsliqknj kp nsu qiugcq isakcj`c ecìspc i lnq nf rcnrlc ilucia{ hivc

qhc akpcipc esq anjq mjnw iensq kq ija qhc nqhcup ìj ij{qkdc fill ruc{ qn qhcakpcipc* CDCUILA kj qhkp ìpc, wnsla pqsa{ qhc akffcucjq ucgknjp kj qhc `kq{ nfDsdeik kjprc`q qhnpc iucip, kjkqkill{ ìuu{ nj fucc `hc`msrp qn an qhkp ija auiwkjfcucj`cp fund qhnpc `hc`msrp qhiq whk`h rcnrlc hivc akiecqcp ija kj whk`h iucidnpql{ iuc qhcuc akiecqk` rcnrlc* Qhcpc wnsla ec qhc ìpc hkpqnukcp ija ec hclrfslkj fnudkjg nsu aiqi eipc* Pkj`c CDCUILA kp i prc`kilq{ hnprkqil fnu Akiecqcp iqrucpcjq kqp qiugcq isakcj`c kp akiecqk` rcnrlc ija rcnrlc whn iuc iq hkgh ukpm*Hnwcvcu kq hip fsqsuc rlijp nf ec`ndkjg i dslqk prc`kilkpq hnprkqil ija qhcj wnsla

cxrija kqp pcuvk`cp* Qhkp kp ìllca pcgdcjq e{ pcgdcjq kjvipknj*

RNPKQKNJKJG

CDCUILA Akiecqcp Hnprkqil hip eccj pcq sr ifqcu runrcu ucpciu`h ija pqsa{`njas`qca nj akffcucjq jccap nf `spqndcup ija viukca gunsrp kj qhc diumcq rli`c*Ilpn prc`kfk` qiugcqkjg nf qhnpc jccap ija gunsrp iuc anjc qn sjacupqija whk`hpcuvk`cp wnsla ec psrcuknu ija cjqk`c riqkcjqp qnwiuap nsu hnprkqil* Eckjg i jcwhnprkqil kq kp vcu{ kdrnuqijq fnu sp qn `njvc{ nsu pcuvk`cp ija nffcu fi`klkqkcp whk`hwnsla hclr kj gcjcuiqkjg i fivnuielc wnua nf dnsqh ija qhcuce{ ùciqkjg qhc ds`hjccaca quspq fi`qnu idnjgpq qhc dippcp* Qhc cja ucpslq nf nsu rnpkqknjkjg hip lcaqn ps``cppfsl ùciqknj nf i riqkcjq fn`spca vilsc runrnpkqknj ija wh{ akiecqk`rcnrlc phnsla `ndc qn CDCUILA

AKFFCUCJQKIQKNJ


14/31

Osvcjklc akiecqcp

Kj hnspc rhiudi`{

@hcdkpq kj qhc hnprkqil rucdkpcp spca e{ nsqpkacup ilpn

Akcq fnna wkqh i psgiu fucc acriuqdcjq? hcilqh ija gun`cu{ pqnuc i``cppca e{nsqpkacup ilpn*

Akffcucjqkiqknj kp lkmc nx{gcj kj Qnai{p `ndrcqkqkvc cjvkunjdcjq qn psuvkvc* Kq kpvcu{ akffk`slq fnu ij nugijkziqknj qn psuvkvc wkqhnsq akffcucjqkiqknj* CDCUILAprc`kilkzcp kj akiecqcp wkqh psrcu prc`kilkziqknj kj OSVCLKJC AKIECQCP* Qhkp wkllec qhc fkupq hnprkqil qn prc`kilkzc kj OSVCLKJC akiecqcp kj Dsdeik* Qhsp, wc hivcgnjc njc pqcr fsuqhcu e{ jnq njl{ akffcucjqkiqkjg nsu pcuvk`c esq kjqunas`kjgpndcqhkjg fnu qhc fkupq qkdc kj Dsdeik* Ilpn qhc pcuvk`c aclkvcu{ wkll ec nsuakffcucjqkiqkjg fi`qnu wkll ec cxrlikjca fsuqhcu*

[email protected]@CP NFFCUCA IQ CDCUILA

Hkghl{ ysilkfkca an`qnup ija riuidcak`il, fukcjal{ jsupcp ija wiua en{p*

K*@*S* ija Nrcuiqknj qhciqcup wkqh liqcpq qc`hjnlng{*Elnna eijmp*

Pqiqc nf iuq lienuiqnu{*

@ipsilq{ wiua* Qkc srp wkqh Oiplnm ija Euci`h @ija{ hnprkqil*

51hnsup `hcdkpq phnr*

Iviklieklkq{ nf pqucq`hcup ija whccl `hikup cipkl{*

Lnee{ nj cvcu{ flnnu wkqh runrcu plccrkjg ija pkqqkjg fi`klkqkcp*

Gnna kjfuipqus`qsuc fi`klkqkcp*

@nffcc.qci.osk`c vcjakjg di`hkjcp nj cvcu{ flnnu*


15/31

Akcqk`kijp ija njpslqiqknj*

Rui{cu unnd*

Rhnjc ennqh cjqcu*

@{ecu if*

Ideslij`c*

6 lkfqp ija 0 cxkqp*

@ifcqcuki wkqh lcij ija h{gkcjk` fnna*

Gnna pijkqiqknj njakqknjp*

51hnsup IQD fi`klkq{*

Aspq ekjp iq phnuq akpqij`cp*

Pkgjigc*

8 RP NF HNPRKQILP

9* RUNAS@Q Rhkllkr Mnqlcu pi{p i runas`q kp ij{qhkjg qhiq ìj ec nffcuca qn i diumcq qn piqkpf{i wijq nu i jcca* Runas`qp qhiq iuc diumcqca kj`lsac rh{pkìl gnnap, pcuvk`cp,cxrcukcj`cp, cvcjqp, rcupnjp, rli`cp, runrcuqkcp, nugijkziqknjp, kjfnudiqknj ijakacip* Qhc runas`q nf i hnprkqil ìj ec ij{ nf qhc fnllnwkjg?

Dcakìl Pcuvk`cp

Dcakìl Quikjkjg

Dcakìl Casìqknj

Dcakìl Ucpciu`h

IQ CDCUILA wc eclkcvc qhiq qhc slqkdiqc ikd kp qn dimc iviklielc qhc ecpqrnppkelc dcakìl pcuvk`cp ija qn rucriuc ija quikj qhc ecpq dcak`p* Qhsp, kq kp vcu{


16/31

cppcjqkil fnu nsu pcuvk`c runvkacup qn ec iwiuc nf qhc jiqsuc, echivknu,ucyskucdcjqp ija pqiqsp nf qhc spcup* Qhkp hclrp qhcd kj rlijjkjg ija acvclnrdcjqnf qhc pcuvk`cp kj qhc ei`mgunsja nf spcup `hijgkjg jccap ija ucyskucdcjqp* Qhcrunas`q phnsla ec acvclnrca mccrkjg kj dkja qhc spcup rp{`hnlng{

5* RUK@KJG

Kj qhc wnuap nf Rhklkr Mnqlcu, njc phnsla qu{ qn Pcll vilsc, jnq ruk`c* Ruk`c kp idionu acqcudkjijq nf i es{cup `hnk`c, ip i rcupnj dspq hivc qhc jcca, wkllkjgjcppija ieklkq{ nu fkjij`kil ei`mkjg qn es{ qhc runas`q* Iq CDCUILA pcuvk`cp kjvnlvcqhc spc nf cxrcjpkvc ija `ndrlcx di`hkjcu{, whk`h kjvnlvc hsgc kjvcpqdcjqp* Iriuqfund qhiq, qhc `npq nf dikjqikjkjg qhcd ija `npq nf usjjkjg qhc hnprkqil kp kj jnqcudp `hcir* Wc hivc cxrcukcj`ca an`qnup ija ilpn prc`kilkpq whn `ndc fundieunia whnpc piliukcp ilnjg wkqh qhnpc nf qhc pmkllca jsupcp ija hclrcup `njpqkqsqci guciq riuq nf qhc `npq* Pnrhkpqkìqknj ìjq ec rnppkelc sjlcpp wc `hijgc nsuruk`kjg pquiqcgkcp* Qhc dikj qhkjg kj qhc ruk`kjg pquiqcg{ kp qn lkjm kq wkqh qhcri{kjg ìri`kq{ nf qhc spcup pn qhiq ill qhc `lippcp gcq dcakìl ikap wkqhnsq ij{akpùkdkjiqknj* Qhcuc iuc 1 q{rcp nf `npqkjg? Fucc, psepkakzca, `npq eipca psepka{ija `npq rlsp psepka{*

CDCUILA fnllnwp @npq rlsp Psepka{

Qhkp pquiqcg{ illnwp `hiugkjg dnuc qhij qhc `npqp kjvnlvca nj qhc pcuvk`cp, esqnjl{ fund qhc ecqqcu$nff pc`qknjp nf pn`kcq{* Qhc quijpfcu nf qhcpc psurlspcp qnqhc i``nsjq nf psepka{ fnu `ndrcjpiqkjg qhc lnppcp nj i``nsjq nf runvkakjg fucc nupsepkakzca pcuvk`cp qn qhc wcimcu pc`qknjp ija lnw$kj`ndc gunsr spcup kp ilpnjc`cppiu{* Nj njc hija, kq kp osak`knsp qhiq jn akpùkdkjiqknj kp fnsja kj ucprc`q nfdimkjg iviklielc qhc dcakìl ikap, esq nj qhc nqhcu hija, wc ìjq ianrq sjkfnudrnlk`{ whklc dimkjg iviklielc qn qhc spcup ija qhcku iqqcjaijqp nqhcu fi`klkqkcp lkmc

pqijaiua nf unnd, kjannu fi`klkqkcp ija nqhcu jnj dcakìl idcjkqkcp* Qhkp kp ospqkfkca nj qhc gunsja qhiq ill gunsrp iuc jnq ri{kjg cysil fccp fnu iviklkjg qhckupcuvk`cp* Dnucnvcu whcj jn kj`ndc gunsr hip eccj iviklkjg qhc pcuvk`cp wkqhnsqri{kjg ij{ fcc, qhcku cxrc`qiqknjp wnsla jnq ec dnuc qhij qhc runrcu dcakìl ikap


17/31

Kq kp akffk`slq qn nffcu fucc nu psepkakzca pcuvk`cp qn qhc dippcp* Nj qhc nqhcuhija, qhc qc`hjnlngkìl pnrhkpqkìqknj hip uikpca qhc `npq nf pcuvk`cp, ip qhc kjrsqpspca kj dimkjg iviklielc qhc dcakìl pcuvk`cp iuc fnsja `npql{*

Hnw phnsla ruk`cp ec `nddsjkìqca qn qhc qiugcq diumcq>Riqkcjqp dspq ec diac iwiuc nf qhc ruk`cp nf akffcucjq quciqdcjqp. pcuvk`cp ipwcll i phnw, whcuc ija whcj qhiq ruk`c kp ri{ielc* Qhkp dspq ec anjc kj ijkjqcllkgkelc ija sjidekgsnsp wi{* Kj hnprkqilp, gcjcuill{, spqndcup pcuvk`cucrucpcjqiqkvcp gkvc ucprnjpcp qn spqndcu yscukcp iensq ruk`kjg, ri{dcjq ijaùcakq* Hnprkqil ekllp pndcqkdcp usj qn pcvcuil rigcp ija `njqikj anzcjp nf kqcdp*Qhsp qhc hnprkqil dspq cjpsuc qhiq ps`h ij kqcdkzca ekllp iuc i``suiqc ijakjqcllkgkelc* Iq CDCUILA, qhc riqkcjq gskac kj ci`h riqkcjqp unnd runvkacpkjfnudiqknj wkqh ucgiua qn ekllkjg ija ri{dcjq run`casucp* Riqkcjqp ìj ilpn`njqi`q qhc ekllkjg acriuqdcjq fnu ij{ liukfkìqknj* Fnu qhc riqkcjqp njvcjkcj`c,qhc hnprkqil gcjcuiqcp ij kjqcukd ekllp i ek$wccml{ eipkp* Qhkp gkvcp qhc riqkcjq ijkaci iensq i `hiugc ri{ielc fnu qhc prc`kfkca rcukna ija ivnkap `njfspknj iq qhcqkdc nf gcjcuiqkjg fkjil ekllp*

0* RLI@C

Rli`c ucfcup qn qhc `njqi`q rnkjq ecqwccj qhc pcuvk`c runvkacu ija qhc `spqndcu*Qwn dikj kppscp `njpkacuca ucgiuakjg qhc ac`kpknj nf qhc rli`c iuc i``cppkeklkq{ija iviklieklkq{ nf qhc pcuvk`c qn qhc `spqndcu* CDCUILA kp cipkl{ i``cppkelc, qhiqkp, kqp jnq lnìqca kj i hciv{ quiffk` znjc ip qhkp wnsla runvc acqukdcjqil qn qhcvcu{ cxkpqcj`c nf qhc hnprkqil* Iucip iunsja hnprkqil iuc pklcjq znjcp k*c*CDCUILA kp lnìqca jciu Wnulk pci fi`c ija kp jciu i rundkjcjq unia pn qhiq kqìj ec uci`hca cipkl{* Hivkjg kj hnspc ideslij`c pcuvk`cp qn rk`m sr riqkcjqp njqhc nqhcu hija kjùcipcp i``cppkeklkq{ qn CDCUILA* Wc ilpn hivc `njqui`qp wkqh

ideslij`c pcuvk`cp qn eukjg nsu riqkcjqp fund whk`hcvcu lnìqknj qn qhc hnprkqil*1* RUNDNQKNJ

CDCUILA uclkcp nj fivnuielc wnua nf dnsqh ija jnq nj iggucppkvc rundnqknj* Wc`njas`q ìdrp kj usuil iucip qn gkvc dcakìl `hc`msrp iq ucipnjielc ruk`cp= wcprnjpnu vkpkqp qn nla igc hndcp ija anjiqc qhcd i gnna idnsjq nf fnna ija


18/31

dcak`kjcp* Wc njqkjsnspl{ kjqunas`c akffcucjq hcilqh pcuvk`cp ija wc gcjcuill{iavcuqkpc kj hcilqh ija fkqjcpp digizkjcp ija ilpn `njas`q fucc `hc`msrp*CDCUILA hnlap pcdkjiup ija njfcucj`cp ucliqkjg qn Akiecqcp ija liqcpqqc`hjnlng{, whcuc wc kjvnlvc qhc an`qnup fund ill iunsja qhc `nsjqu{, fnu acqiklcaakp`sppknj*

3* RCNRLC

Pcuvk`c rcupnjjcl rli{ ij kdrnuqijq unlc kj ij nugijkziqknj* Fnu piqkpf{kjg qhcspcup, kq kp njl{ jnq cppcjqkil qhiq qhc{ iuc diac iviklielc qhc ecpq rnppkelcdcakìl ikap* Kj iaakqknj qn qhc dcakìl ikap, qhc echivknuil iprc`q kp ilpn fnsjakdri`q gcjcuiqkjg, cprc`kill{ whcj wc njpkacu diumcqkjg i `spqndcu piqkpfi`qknj$cjgkjccukjg qnnl* Kq kp jiqsuil qhiq qhc cxrc`qiqknjp nf ill gunsrp ìjq ec sjkfnud*Kj i hnprkqil qhc echivknu ija iqqkqsac nf qhc rcupnjjcl runvkakjg pcuvk`cp kp vcu{kdrnuqijq ip fiu ip qhc `spqndcup nvcuill rcu`crqknj nf qhc pcuvk`c kp `nj`cujca*Kq kp jc`cppiu{ qhiq qhc pqiff kj i hnprkqil kp quikjca qn runvkac ysilkq{ riqkcjqìuc spkjg pqiqc nf qhc iuq qc`hjnlng{* Qhc neoc`qkvc nf CDCUILA kp runvkakjgysilkq{ pcuvk`c qn riqkcjqp ija qhkp ìj ec i`hkcvca e{?

9* Dnqkviqkjg cdrln{ccp qn ec cffk`kcjq, acakìqca ija ln{il qn qhc nugijkziqknj*

5* Runvkakjg ucgsliu nj$qhc$one quikjkjg nf cdrln{ccp qn cjpsuc `njqkjsnspkdrunvcdcjq kj hcilqh iuc

0* Sqklkzkjg pcuvk`cp nf runfcppknjill{ ndrcqcjq dcakìl njpslqijqp*

1* Spc nf qhc liqcpq qc`hjnlng{*

Dnqkviqknj kp jnq jc`cppiukl{ e{ gkvkjg hkgh piliukcp* Qhcuc iuc dij{ nqhcu wi{p qndnqkviqc cdrln{ccp `nj`cppknjp phnsla ec gkvcj qn qhc cdrln{ccp jciu njcp ijaqhcuc phnsla ec i`qkvc riuqk`kriqknj nf qhc cdrln{ccp kj qhc i`qkvkqkcp nf qhchnprkqil*

6* RUN@CPP?

Run`cpp kp i pcq nf i`qkvkqkcp qhiq qimc ij kjrsq, `njvcuq kq ija iaa vilsc qn qhckjrsq ija fkjill{, ùciqc ij nsqrsq* Elscrukjqp acpkgj run`cppcp, whk`h pcqp i


19/31

pqijaiua fnu i`qknj qn qimc rli`c ija qn kdrlcdcjq qhc pcuvk`c* I run`cpp kpakvkaca kjqn qhc fnllnwkjg rhipcp kj i hnprkqil*

7* RH[PK@IL CVKACJ@C?

Rh{pkìl cvkacj`c dimcp i hsgc kdri`q nj qhc `spqndcu* Rh{pkìl cvkacj`c runvkacp`spqndcup dcijp nf cvilsiqkjg qhc pcuvk`c* @nurnuiqc kdigc rli{p ij kdrnuqijq unlckj qcudp nf rh{pkìl cvkacj`c* Qhc rh{pkìl cvkacj`c hip gnna ija fivnuielckjflscj`c nj qhc dkjapcqp nf qhc riqkcjqp ija qhcku ucliqkvcp whn vkpkq qhc hnprkqil*Qhkp hclrp riqkcjqp qn `ndc igikj qn nsu hnprkqilp ija ilpn an fivnuielc rselk`kq{ e{qhc dnpq cffc`qkvc wcirnj qhc wnua nf dnsqh*

8* RUNAS@QKVKQ[ IJA YSILKQ[?

Runas`qkvkq{ kj pcuvk`cp kp hnw wc quijpfnud qhc kjrsqp kjqn nsqrsqp, whk`h iucvilsca e{ qhc `spqndcu* Ysilkq{ kp qhc acgucc qn whk`h qhc pcuvk`c piqkpfkcp i`spqndcu e{ dccqkjg qhcku wijqp ija cxrc`qiqknjp*

KJJNVIQKNJ

Hnprkqilp wkll pnnj gn hk$qc`h, jnq pn ds`h kj qcudp nf pnrhkpqkìqca dcakìlcyskrdcjq, esq kj qhiq i riqkcjqp mkqh ija mkj ìj vkuqsill{ vkpkq hkd.hcu fund ij{riuq nf qhc wnula ija qhc riqkcjq qnn ìj `nddsjkìqc wkqh qhcd ija uclkcvc qhcku

sjasc ijxkcq{* Eijgilnuc hip cdcugca ip i rknjccu kj qhc acpkgj nf ij kjqcui`qkvcwcepkqc spca kj dimkjg vkuqsil vkpkqp qn hnprkqilp, qhsp kjqunas`kjg i hsdij clcdcjqhkqhcuqn, sjqhnsghq$nf* Qhkp eucimqhunsgh kj qhc spigc nf kjfnudiqknj qc`hjnlng{fnu riqkcjqp wip i`hkcvca e{ qhc Eijgilnuc eipca Qhkjm Ihcia Kj`nurnuiqca, kjacpkgjkjg hc wcepkqc fnu i hnprkqil* Qhc rukdiu{ iavijqigc nf qhkp qc`hjnlng{ kpqhc dkqkgiqknj nf sjasc ijxkcq{ nf ucliqkvcp riuqk`sliul{, pnjp ija aisghqcup,


20/31

`hklaucj nf riqkcjqp whn iuc pcqqlca ieunia whn ìjjnq ec iq qhc ecapkac nf qhcriqkcjq sjacugnkjg quciqdcjq fnu i hciuq ikldcjq nu i dionu psugcu{* Qhc VkuqsilFidkl{ Vkpkq illnwp ucliqkvcp qn pcc ucil qkdc kdigcp nf riqkcjqp qhunsgh isakn vkpsil fklcp whk`h ìj ec anwjlniaca nj qhcku `ndrsqcu e{ cjqcukjg qhc hnprkqilwcepkqc qhunsgh qhc Kjqcujcq* Qhcpc fklcp nf qhc riqkcjq iuc phnq e{ qhc hnprkqilspkjg i wceìd qn phnw qhc `njvilcp`kjg riqkcjq ija hkp dcppigc fnu hkp fidkl{dcdecup* Qhc fklcp iuc qhcj srlniaca kj qhc hnprkqil wcepkqc* Qhc fidkl{ dcdecupìj ilpn `nddsjkìqc wkqh qhc riqkcjq e{ wi{ nf pcjakjg njlkjc gcq wcll ìua qnriqkcjq*

PCUVK@C QUKIJGLC?


21/31

QNQIL RUNAS@Q @NJ@CRQ

Lcvclp nf pcuvk`c ?


22/31

Lcvcl 9*

@nuc . gcjcuk` runas`q?

Qhkp kp qhc eipk` pcuvk`c runas`q* Kj hnprkqilp, hcilqh nu wcll eckjg e{ wi{ nf qhcquciqdcjq runvkaca e{ qhc an`qnu qn acil wkqh qhc ikldcjq nf qhc riqkcjqp kp qhc`nuc runas`q nu pcuvk`c*

Lcvcl 5*

Cxrc`qca runas`q?

Qhkp kp qhc eipk` runas`q ija dkjkdsd rsu`hipc `njakqknjp qhiq dspq ec dcq* Kjhnprkqilp, kj iaakqknj qn qhc `nuc runas`q, ill nqhcu psrrlcdcjqiu{ pcuvk`cp lkmc i

eca, wikqkjg iuci, iviklieklkq{ nf dcak`kjcp ija ausgp, dcilp, h{gkcjc cq`*

Lcvcl 0*

Isgdcjqca runas`q ?

Kj qhkp, ilnjg wkqh qhc eipk` ija dkjkdsd nffcukjg, qhcuc kp pndcqhkjg akffcucjqwhk`h cjielcp qhc runas`q nu pcuvk`c qn ec akffcucjqkiqca fund qhiq nf qhc`ndrcqkqnup* Hk$qc`h cyskrdcjqp, gnna kjfuipqus`qsuc, rcupnjilkzca ippkpqij`c,rui{cu unnd, `cll `hiugkjg fi`klkqkcp, gkfq phnr, ideslij`cp, i qcuui`c giuacj fnuriqkcjqp qn wilm, cxcu`kpc ill fnud i riuq nf qhc isgdcjqca runas`q*

Lcvcl 1*

Rnqcjqkil runas`q?

Qhc rnqcjqkil runas`q njqikjp rnqcjqkill{ fcipkelc fciqsucp ija ecjcfkqp qhiq rli{i pkgjkfk`ijq unlc kj hnlakjg ija iqqui`qkjg qhc `spqndcu* Qhcpc fciqsucp ijaecjcfkqp iuc spcfsl nu lkmcl{ qn ec spcfsl qn qhc es{cup* Fnu cxidrlc, kj CDCUILAecap iuc runvkaca fnu K@S iqqcjaijqp fucc nf `hiugc ilnjg wkqh nqhcu`nddsjk`iqknj fi`klkqkcp lkmc kjqcujcq*


23/31

PCUVK@C FLNWCU

Kjfnudiqknj

Kj i hnprkqil, runvkakjg kjfnudiqknj ucfcup qn dimkjg qhc riqkcjqp nu qhc gcjcuilrselk` iwiuc nf qhc pcuvk`cp ija fi`klkqkcp nffcuca e{ qhc hnprkqil* Iq CDCUILA,qhkp kp anjc kj i jsdecu nf wi{p* Kjfnudiqknj qn qhc gcjcuil rselk`? Qhc hnprkqilhip kqp nwj wcepkqc iqwww*cdcuila*`nd, njqikjkjg acqiklp iensq qhc lnìqknj,pcuvk`cp, cq`* Jcw `spqndcup nu riqkcjqp kj gcjcuil? I riqkcjq gskac kp diaciviklielc kj ci`h unnd* Qhkp gskac runvkacp viuknsp rnkjqp fnu qhc riqkcjqpmjnwlcagc ija kjfnudiqknj, ukghq fund ennmkjg ija ìj`clliqknj run`casucp,iadkppknj uslcp ija run`casucp, vkpkqkjg hnsup, dcilp, ija fi`klkqkcp fnu ucliqkvcpija akp`hiugc run`casucp, qn run`casuc fnu ri{dcjq nf ekllp* Asukjg qhc riqkcjqppqi{ kj qhc hnprkqil? Kjfnudiqknj ucgiuakjg pcuvk`cp, fi`klkqkcp nu viuknsprun`casucp kp ilpn runvkaca e{ qhc cdrln{ccp ip ija whcj qhc ucyskuca nu nj qhcriqkcjqp ucyscpq* Fnu cxidrlc, iq qhc qkdc nf akp`hiugc, qhc wiua pkpqcu gkvcp qhcriqkcjq i psddiu{ ip qn qhc fnudilkqkcp lkmc run`cppkjg rircup wkqh kjpsuij`c`ndrij{ cq`*

@njpslqiqknj

Kj ij{ hnprkqil, quciqdcjq kp runvkaca njl{ ifqcu i ruclkdkjiu{ `hc`m$sr ija.nuviuknsp qcpqp* Rucvcjqkvc hcilqhìuc fi`klkqkcp iq CDCUILA kj`lsac i uijgc nfpnrhkpqkìqca qcpqp ija `njpslqiqknjp* Qhc hnprkqil hip 51 hnsu akigjnpqk` pcuvk`cp


24/31

ija pqiqc$nf$qhc$iuq lienuiqnukcp qhiq hclr qhc dcakìl qcid (an`qnup ijapsugcnjp+ akigjnpc qhc riqkcjqp runelcd ija psggcpq quciqdcjqp*

Nuacu qimkjg

Kj i hnprkqil, qhkp kp spsill{ kj qhc fnud nf iadkqqkjg nu ucgkpqcukjg qhc riqkcjq*Qhc run`cpp nf iadkppknj kj ij{ hnprkqil phnsla ec pkdrlc, cip{ qn sjacupqija, fipqija i``suiqc* Dcijp nf ysk`m ucgkpquiqknj dspq ilpn ec runvkaca fnu kj qhc ìpc nfcdcugcj`kcp* Iq CDCUILA qhc ucgkpquiqknj ija jc`cppiu{ fnudilkqkcp iuc anjckddcakiqcl{*

Hnprkqilkq{Qhkp kp ec`ndkjg kjùcipkjgl{ kdrnuqijq kj qhc hcilqhìuc pc`qnu, riuqk`sliul{ kjhnprkqilp ip qhc cxrc`qiqknjp nf rcnrlc qnwiuap dcakìl iuc iuc cvcu kjùcipkjg*Jn lnjgcu iuc qhc{ lkdkqca qn njl{ qhc `lkjkìl nsq`ndcp esq ilpn kjvnlvc qhcaclkvcu{ run`cpp, diugkj nf pifcq{ ija echivknu nf rcupnjjcl* Qhc CDCUILArunvkacp i hnpq nf `njvcjkcj`cp qn riqkcjqp ija qhcku ucliqkvcp*

Pcuvk`c qn riqkcjqp ?

I `hnk`c nf ri`migcp fund qwkj phiukjg, pkjglc unnd ija aclsxc pskqcp iuciviklielc qn riqkcjqp*

I lnq nf ìuc hip eccj qimcj qn cjpsuc qhiq qhc riqkcjq ancp jnq fccl willca kj*Fnu cxidrlc, ill unndp hivc jiqsuil ija kjakuc`q lkghqkjg wkqh hsgc wkjanwp ija kjpndc ìpcp, qcuui`c giuacjp* I jsdecu nf fi`klkqkcp iuc runvkaca qn qhc riqkcjqps`h ip i qclcvkpknj, kj$hnspc dcilp cq`* Pn ip qn dimc qhc unnd icpqhcqkìll{rlcipkjg ija kdrunvc riqkcjq dcjqilkq{ (qhc{ iuc spsill{ acrucppca+, ill dcakìlpn`mcqp, kjpqusdcjqp nu iqqi`hdcjqp iuc hkaacj fund vkcw, echkja i rijcl ecpkacqhc eca*

Pcuvk`c qn ucliqkvcp?


25/31

Qhc CDCUILA hnprkqil kj Dsdeik runvkacp i pcriuiqc fidkl{ wikqkjg iuci fnuucliqkvcp nf riqkcjqp kj K@S* Ci`h `sek`lc kj qhc wikqkjg iuci hip runvkpknjp fnuplccrkjg ps`h ip i eca, rkllnwp, elijmcqp cq`* Qhc ucipnj fnu ps`h ij iuuijgcdcjq kpqhiq, kj qhc K@S ìpcp, njc rcupnj phnsla ec rucpcjq kj qhc hnprkqil 51 hnsup pnqhiq hc kp iviklielc qn pkgj qhc `njpcjq fnud* Riqkcjq jsdecu kp illnqqca qn qhcucliqkvcp eca ija kj qhc ìpc nf ij cdcugcj`{= qhc ucliqkvc kp kddcakiqcl{ ìllca e{qhc pcùcqiu{ kj `hiugc* Ucliqkvcp ilpn cjon{ fi`klkqkcp lkmc kjqcujcq `njjc`qknj, ih{gkcjk` ìfcqcuki, rui{cu unndp, lkeuiu{, rselk` ìll ennqhp, `nffcc di`hkjcp, i gkfqphnr cq`*

Pifcq{ .@iucqimkjg

Pifcq{ ija h{gkcjc kp nf sqdnpq kdrnuqij`c kj ij{ hnprkqil* Nj qhc pifcq{ funjq,qhc CDCUILA dcipsucp sr qn qhc hkghcpq kjqcujiqknjil pqijaiuap, kj`lsakjgdionu.dkjnu nrcuiqknj qhciqcup, mccrp i aspq fucc cjvkunjdcjq, prc`kil rciqfklqcup fnu dikjqikjkjg iku ysilkq{ ija hkghcpq acgucc nf pqcuklkq{ cq`*

Ekllp.EkllkjgHnprkqilp phnsla cjpsuc qhiq ekllkjg ija ri{dcjq run`casucp iuc ysk`m pn ip qncjielc qhc riqkcjq qn ucqsuj hndc pnnj ifqcu akp`hiugc* Iq CDCUILA, qwn q{rcpnf ekllp iuc gcjcuiqca k*c* Kjqcukd ekllp ija Fkjil ekll* Qhc kjqcukd ekllp iucgcjcuiqca qn gkvc nj i ek$wccml{ eipkp* Qhc{ gkvc qhc riqkcjq ij kaci iensq qhc`hiugc ri{ielc fnu qhc prc`kfkca rcukna* Kq hclrp kp ivnkakjg ij{ `njfspknj iq qhcqkdc nf gcjcuiqkjg qhc fkjil ekll* Qhc fkjil ekll kp gcjcuiqca iq qhc qkdc nfakp`hiugc* Qhkp `njpkacup ill qhc kjqcukd ekllp ija qhc iavij`c acrnpkq rika*

Ri{dcjq

Qhcuc kp i pcriuiqc espkjcpp `cjquc fnu ri{dcjq nf ekllp* Ij irrunxkdiqc ekllidnsjq kp `nllc`qca ip acrnpkq ecfnuc akp`hiugc, whk`h kp `njpkacuca iq qhc qkdc nffkjil ekll*


26/31

Cx`crqknjp

Qhcpc spsill{ n``su kj qhc fnud nf cdcugcj`kcp* Hnprkqilp dspq ec wcll rucriuca qnfi`c ij{ mkja nf sjcxrc`qca cdcugcj`{* Fnu cxidrlc, CDCUILA hip prc`kil

run`casucp fnu cdcugcj`{ ipcp*

Ysilkq{ akdcjpknjp

Qhc uirkal{ cxrijakjg p`nrc nf hcilqhìuc hip lca qn kjùcipkjg `ndrlcxkq{ kj kqpaclkvcu{* Riqkcjq piqkpfi`qknj kp kjùcipkjgl{ qimcj ip ij kdrnuqijq dcipsuc nfysilkq{* Qhcuc kp kjùcipkjg wkllkjgjcpp qn runvkac runqc`qknj igikjpq klljcppcp e{wi{ nf hcilqhìuc kjpsuij`c* Qhkp hip diac kq rcuqkjcjq qhiq dijigcdcjq nfysilkq{ kp anjc nj i wkacu eipkp qhij dcuc dcakìl isakqp* Kdrlcdcjqkjg ysilkq{p{pqcd `njqunlp qhc `npq e{

i* Ucas`kjg sjjc`cppiu{ kjqcuvcjqknjp*

e* Gcqqkjg kq ukghq fkupq qkdc nf ucrciq psugcu{*

`* Ivnkaielc ndrlkìqknjp c*g* rnpq$nrcuiqkvc kjfc`qknjp*

a* Kdeilij`cp nf ucpnsu`cp? Li`m nf qhciquc qkdc nu li`m nf i``cpp qn akigjnpqk`fi`klkqkcp lciakjg qn kjùcipca lcjgqh nf pqi{*

c* Cdrln{cc qsujnvcu ija `njpcyscjq quikjkjg npqp*

UIQCU

Uclkieklkq{$ Uclkieklkq{ ucfcup qn qhc ieklkq{ qn rcufnud qhc pcuvk`c rundkpca,acrcjaieklkq{ ija i``suiqcl{*

Ippsuij`c $ Ippsuij`c ucfcup qn fuccand fund aijgcu, ukpm nu anseq* Kq kj`lsacp

ùcakqieklkq{, ndrcqcj`c, pc`sukq{ ija `nsuqcp{* CDCUILA kp hkgh kj ippsuij`c*Qhc hnprkqil ilpn hip i wnula$`lipp qcid nf an`qnup ija psugcnjp*

Qijgkeklkq{$ Qijgkeklkq{ ucfcup qn qhc irrciuij`c nf rh{pkìl fi`klkqkcp, cyskrdcjq,rcupnjjcl ija nddsjkìqknj diqcukil*


27/31

Cdriqh{ $ Qhkp kj`lsacp i``cpp, `nddsjkìqknj ija sjacupqijakjg nf qhc`njpsdcup*

Ucprnjpkvcjcpp$ CDCUILA kp ilpn hkgh kj ucprnjpkvc k*c* qhc wkllkjgjcpp qn hclr qhc

`spqndcu ija runvkac rundrq pcuvk`c* Kq hip prc`kil run`casuc kj rli`c fnucdcugcj`kcp ija ysk`m `ndrlikjq hijalkjg run`casucp* Qhc cdrln{cc ilpn gncp nsqnf qhcku wi{ qn hclr enqh qhc riqkcjqp ip wcll ip qhcku ucliqkvcp*

Qhc dikj runas`qp nf hnprkqilp iuc dcakìl pcuvk`cp* Kj iaakqknj qn dcakìl ìuc,CDCUILA AKIECQCP HNPRKQIL ilpn kdriuqp casìqknj, quikjkjg ija ucpciu`hfi`klkqkcp ija ilpn casìqcp ija quikj riuidcakìl nffk`cup, jsupcp ija nqhcuqc`hjkìl pqiff* Wkqh qhc `hijgcp kj cjvkunjdcjqil `njakqknjp, qhc pqiff iq cdcuilahip rsq kj qucdcjansp idnsjq nf cffnuqp fnu i`yskukjg pnrhkpqkìqca cyskrdcjq ijairrlkij`cp, rsq kj run`cpp qhc pqiqc$nfiuq$qc`hjnlng{, i`yskuca viuknsp ysilkq{`cuqkfkìqknjp ija ilpn vcjqsuca kjqn pquiqcgk` qkc$srp wkqh ucjnwjca ucpciu`h ijaacvclnrdcjq ndrijkcp*

Dcakìl @iuc

Iq CDCUILA qhc dnpq kdrnuqijq fsj`qknjp iuc qn gkvc ìuc qn qhc pk`m, qn ucjacupcuvk`cp qn qhc kjosuca ija ucpqnuc qhc hcilqh nf akpcipca rcupnjp* Wc eclkcvc kj`njqunllkjg ija dijigkjg qhc cjqkuc lkfc nf i akiecqk` riqkcjq* Ill qhc pcuvk`cp lkmclkjc pqiff ija isxklkiu{ akvcuq i `lnpc iqqcjqknj*

Kjqcjpkvc @iuc SjkqQhc K@S kp `njpkacuca qn ec qhc hciuq nf qhc hnprkqil* Kq kp fnu qhnpc riqkcjqpacdijakjg i`sqc, dslqkakp`krlkjiu{ ija prc`kil quciqdcjq*

Qhc pqiffkjg riqqcuj nf nsu K@S kp rlijjca kj i p`kcjqkfk` wi{ pn qhiq ucliqcariqkcjqp gcq runrcu dcakìl ika wkqhnsq i eucim nu gir*

Nsu 92$ecaaca K@S kp cyskrrca wkqh lkfc pivkjg ija psrrnuq p{pqcdp hijalcpdcakìl ip wcll ip psugkìl cdcugcj`kcp*

Unsja qhc `ln`m dnjkqnukjg e{ jsupkjg pqiff cjpsucp cffk`kcjq riqkcjq ìuc*

Qhcuc kp njc jsupc rcu riqkcjq= qn gkvc qhc ds`h jccaca ìuc ija iqqcjqknj*


28/31

Wiuap

@cjquill{ iku$`njakqknjca wiuap runvkac i``nddnaiqknj ija pcuvk`cp qn riqkcjqp*Lcipq cxrcjpkvc iuc qhc gcjcuil wiuap whcuc qhcuc iuc92 ecap*

Qhc aclsxc wiua hip 52 ecap*

Qhc psrcu aclsxc wiuap kj`lsac i auiwkjg unnd, i mkq`hcj, i Q*V ija cx`lspkvcfi`klkq{ hivkjg 52 ecap*

Ai{ @iuc Pcuvk`c SjkqNsu ai{ ìuc pcuvk`cp ìqcu qn qhnpc riqkcjqp whn ucyskuc i pkjglc ai{ pqi{ iq nsuhnprkqil* Sjkyscl{ acpkgjca sjkq nffcup i `ndruchcjpkvc ri`migc nf pcuvk`cpnffcuca glneill{*

Cyskrrca wkqh pnrhkpqkìqca, pqiqc$nf$qhc$iuq qc`hjnlng{, kq ndekjcp iuc wkqhdcakìl cxrcuqkpc qn qcjacu ndrlcqc quciqdcjq*

Kqp nj qhc pidc flnnu nf qhc NQ, whk`h hclrp sp qn runvkac enqh ruc$nr ija rnpq$nr ìuc kj qhc pidc acriuqdcjq*

Iuqkfk`kil mkajc{ akil{pkp sjkq

Nsu 51$ hnsu Akil{pkp sjkq kp i hicdnakil{pkp njc*

Nrcj unsja qhc `ln`m, kq kp cxqucdcl{ fcipkelc fnu nffk`c gncup whn ìj dimc spcnf qhkp fi`klkq{ ija qhcj ucqsuj qn wnum

Qhc sjkq cxrlnkqp qhc cxrcuqkpc nf ucjnwjca prc`kilkpq ija qhc iavijqigcp nfuc`cjq qc`hjnlng{ qn fnudsliqc i `ndrlcqc quciqdcjq rlij*


29/31

Akigjnpqk`p pcuvk`cpLienuiqnu{ Pcuvk`cp

Uiaknlng{

Dslqk plk`c Prkuil @Q p`ij

Diddnguirh{ (ADU rlsp+ wkqh pqcucn qi`qk`

X UI[ wkqh kdigc kjqcjpkfkcu

Slqui pnjnguirh{ ija nlnu Anrrlcu

Rcu run`casuil nsjpclkjg e{ wcll mjnwj uiaknlngkpq

Lienuiqnu{ dcak`kjc

Fsll{ isqndiqca lienuiqnu{ nffcup pcuvk`cp kj qhc fkclap nf ekn`hcdkpqu{, `lkjk`il

riqhnlng{, hcdiqnlng{, hkpqnriqhnlng{, ija kddsjnlng{ ija pkq gcjcqk`p*Qc`hjnlngkcp lkmc flnucp`cj`c ija Miu{nq{rkjg cjpsuc kjpqijq ija i``suiqc ucpslqp*

Elnna Eijm


30/31

Nsu elnna eijm kp ìrielc nf runvkakjg whnlc elnna ip wcll ip elnna`ndrnjcjqp*

Ill rucpùkeca qcpqp iuc rcufnudca ecfnuc kppskjg elnna qn riqkcjqp

Cjanpnjnguirh{

Nsu cjanp`nr{ acriuqdcjq kp njc nf qhc njl{ fcw hnprkqilp kj Dsdeik qhiq hipakgkqil Vkacn Pnjn Cjanp`nrc fi`klkqkcp* Qhc Fi`klkq{ cjon{p sjdiq`hca cxrcuqkpcija psrcuvkpknj e{ ucjnwjca njpslqijq*

QHC PQIFF . PSRRNUQKVC PCUVK@CP

@cuqikj psrrnuqkvc pcuvk`cp iuc kdrnuqijq c*g* pqcuklkziqknj, psrrl{ ija dikjqcjij`cnf kjpqusdcjqp, diqcukilp ija giudcjqp cq`* Iq cdcuila qhcpc iuc qhc psrrnuqpcuvk`cp? Qhc iqcukjg acriuqdcjq ndrukpcp qhc mkq`hcj, eslm fnna pqnucp ijaakjkjg unndp ija psrrlkcp dcilp kj qhc hnprkqil* Hciqca qunllc{p hivc qn ec spca qn

quijprnuq dcilp qn riqkcjqp* Rhiudi`csqkìl pcuvk`cp rli{ ij kdrnuqijq unlc* Ijnffk`kil lisjau{ runvkacp ei`qcuki fucc giudcjqp ija `lnqhcp* Qhc riqkcjqp iucrunvkaca wkqh akpkjfc`qca ija lcij lkjcj* Qhc lienuiqnukcp iuc runrcul{ dijjcaija runrcu akigjnpkp kp gkvcj e{ qhcd qn cjielc ukghq dcakìl rucpùkrqknj* Qhccpqielkphdcjq nf lienuiqnukcp phnsla ec ecqwccj qhc NRA ija kjannup pn qhiq enqhiucip iuc `nvcuca wkqhnsq acli{ nu akpusrqknj* @lkjkìl riqhnlng{, elnna eijm ijariqhnlngkìl ijiqnd{ iuc kdrnuqijq iucip qn pqucidlkjc fsj`qknjil dijigcdcjq nfhnprkqil lienuiqnukcp* Qhc uiaknlng{ acriuqdcjq phnsla hivc hk$qc`h fi`klkqkcp*

@suucjql{ slquipnsja pìjjkjg ija @IQ pìjjkjg hivc eccj fnsja pkgjkfkìjq kjkdrunvkjg pcuvk`cp nf qhc uiaknlng{ acriuqdcjq* I diqunj, whn kp ippkpqca e{ ipkpqcu$kj `hiugc, dijigcp qhc Jsupkjg pcuvk`cp* Qhc jnudp i``crqca e{ qhc KjakijJsupkjg @nsj`kl phnsla ec fnllnwca* Ij kacil jsupc$riqkcjq uiqkn kp 9?3= hnwcvcu iqCDCUILA wc cjpsuc 5?3*


31/31

IKU IDESLIJ@C @NJ@CRQ

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