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Mketgets
Mkvgr
\rcnsg jkr R`g Husnegss Fkbga Neekvctnke Jcmtkry
Rntag \cog
Mkpyrno`t
Bgbnmctnke
Cmiekwagbofgets
Netrkbumtnke
\crt N4 _`ct ^ku @cvg Cawcys Bkeg Nse/t _krineo Ceyfkrg
M`cptgr 34 Bke/t Ogt Egtjanxgb4 ^kur Murrget Husnegss Fkbga Nse/t Okneo tk Acst Fum` Akeogr
Hakmihustgr Ogts Egtjanxgb
Gvge Egtjanx Ns ne Bceogr kj Hgneo Egtjanxgb
M`cptgr 84 Husnegss Fkbgas 3<34 Mrgctneo! Bganvgrneo! ceb Mcpturneo Zcaug
@kw Bkgs ^kur Mkfpcey Mrgctg Zcaug;
@kw Bkgs ^kur Krocenzctnke Bganvgr Zcaug;
@kw Bkgs ^kur Krocenzctnke Mcpturg Zcaug;
\uttneo t`g Getnrg Husnegss Fkbga ]tkry Rkogt`gr
M`cptgr =4 _`y Krocenzctnkes Jcna ct Husnegss Fkbga Neekvctnke
3< Xgcskes Mkfpcengs Jcna ct Husnegss Fkbga Neekvctnke
\crt NN4 Mkeegmt! Nespnrg! Rrcesjkrf4 37 Husnegss Fkbga Neekvctnke \rnemnpags
Mkeegmt4 Husnegss Fkbga Neekvctnke Ns c Rgcf ]pkrt
Nespnrg4 _g Bk _`ct _g Crg \cssnkectg Chkut
Rrcesjkrf4 Nemrgfgetca M`ceog Nse/t _krineo
M`cptgr 24 Mkeegmt4 Husnegss Fkbga Neekvctnke Ns c Rgcf ]pkrt
\rnemnpag 3% Mctcayzg ]kfgt`neo Hnoogr R`ce ^kursgaj
\rnemnpag 8% Gechag Xcebkf Mkaansnkes kj Weusuca ]uspgmts
\rnemnpag =% Mkaachkrctnvg Neekvctnke Ns t`g Fcetrc
\rnemnpag 2% Hunab \urpksgjua Egtwkris
\rnemnpag 7% Rkogt`gr! _g Mce Bgsnoe Kur Juturg
M`cptgr 74 Nespnrg4 _g Bk _`ct _g Crg \cssnkectg Chkut
\rnemnpag :% ]tkrngs Mce M`ceog t`g _krab
\rnemnpag ?% Fcig ]ystgfs&Agvga R`neineo ]gxy
\rnemnpag 0% Rrcesjkrfctnke Ns Ntsgaj c Mrgctnvg Cmt
\rnemnpag >% \cssnke Xuags‒Gxmggb ^kur Kwe Gxpgmtctnkes
\rnemnpag 3<% Hg Nespnrctnke Cmmgagrctkrs
M`cptgr :4 Rrcesjkrf4 Nemrgfgetca M`ceog Nse/t _krineo
\rnemnpag 33% Rwgcis _ke/t Bk Nt
\rnemnpag 38% Gxpgrnfget Caa t`g Rnfg
\rnemnpag 3=% Kjj t`g _`ntghkcrb ceb netk t`g Xgca _krab
\rnemnpag 32% Nt/s c Wsgr&mgetgrgb _krab‒Bgsnoe jkr Nt
\rnemnpag 37% C Bgmcbg Ns c Rgrrnhag R`neo tk _cstg
\crt NNN4 Mrgctneo c Husnegss Fkbga Neekvctnke Jcmtkry
M`cptgr ? 4X*B jkr Egw Husnegss Fkbgas
Neekvctg t`rkuo` Mkeegmtgb Cbdcmgemngs
M`cptgr 04 Agcbneo ceb Krocenzneo c Husnegss Fkbga Neekvctnke Jcmtkry
]tcjjneo c Husnegss Fkbga Neekvctnke Jcmtkry
]inaas ceb Gxpgrngemg tk ]tcjj c Husnegss Fkbga Neekvctnke Jcmtkry
_cetgb4 Husnegss Fkbga Bgsnoegrs
Xgskurmneo c Husnegss Fkbga Neekvctnke Jcmtkry
Kvgrmkfneo t`g \kantnms kj Husnegss Fkbga Neekvctnke
M`cptgr >4 Gxpgrnfgetneo wnt` Husnegss Fkbgas ne t`g Xgca _krab
Onvg Fg X`kbg Nsaceb
C Hgttgr \acmg
\uttneo t`g Mustkfgr ne t`g Husnegss Fkbga Brnvgr ]gct
\crt NZ4 Husnegss Fkbgas Crge/t Dust jkr Husnegss
M`cptgr 3<4 Ekeprkjnts @cvg Husnegss Fkbgas Rkk
M`cptgr 334 X*B jkr Egw ]kmnca ]ystgfs
Fgcsurg Neekvctnke Kutputs
Gbumctnke Xcet
M`cptgr 384 _`ct/s ^kur \grskeca Husnegss Fkbga;
]tcy ke c ]tggp Agcreneo Murvg
Gfhrcmg Zuaegrchnanty
Hagssneo ceb c Mursg
Chkut R`g Cut`kr
Nebgx
\rcnsg jkr R`g Husnegss Fkbga Neekvctnke Jcmtkry
‑]cua uebgrstcebs t`g smcag kj m`ceog eggbgb ne kur tnfgs ceb t`g wcys tk hrgcit`rkuo` neekvctnke% R`g mrgctnvg sinaas t`ct wnaa mcrry us t`grg wnaa mkfg jrkf bgsnoe&mgetgrgb cpprkcm`gs nestgcb kj trcbntnkeca husnegss kegs%‖
‒Dk`e Fcgbc! \rgsnbget! X`kbg Nsaceb ]m`kka kj
Bgsnoe ceb cut`kr!Xmk Odws ng Pibpoi`ity
‑R`ns ns c tnfgay ceb mkfpgaaneo hkki% Nt s`kws us c pct` ne pursunt kj c fkrg pkwgrjua jkrf kj neekvctnke t`ct `cs hgge acrogay noekrgb hy gxgmutnvgs% _g wnaa mketneug tk noekrg nt ct kur pgrna% R`ns hkki s`kws us `kw tk ture fkuetneo prgssurg netk gxpcebneo kppkrtuentngs jkr vcaug mrgctnke ceb vcaug mcpturg%‖
‒Dk`e @coga! mk&cut`kr kjXmk Qnwkr ng Quooceb
mk&m`cnrfce kj t`g Mgetgr jkr t`g Gbog
‑Kvgr t`g ygcrs ]cua `cs hrkuo`t tkogt`gr ce cfczneo hceb kj neekvctkrs tk gxpakrg t`g ecturg! mketget! ceb bnrgmtnke kj t`gnr wkri% Ceyhkby netgrgstgb ne neekvctnke `cs hgegjntgb gekrfkusay jrkf `ns wkri% Ekw `g prgsgets us wnt` w`ct ns mgrtcne tk geb up c wgaa&t`ufhgb ‑hnhag‖ kj neekvctnke kj caa inebs% R`g wkrab eggbs t`ns hkki#‖
‒Age ]m`agsneogr! \rgsnbget! Hchske Mkaagog
‑Gvgry ygcr N akki jkrwcrb tk cttgebneo ]cua Icpace/s nemrgbnhag Husnegss Neekvctnke Jcmtkry mkejgrgemg tk agcre fkrg chkut mrgctnvnty! neekvctnke! ceb t`g wkebgrjua crt kj stkrytgaaneo% Ekw ]cua ns hrneoneo tkogt`gr t`ksg stkrngs paus caa `ns rgca&wkrab gxpgrngemg cs c juaa&jagbogb getrgprgegur! okvgrefget pkanmy&fcigr! ceb ‑neekvctnke dueing‖ tk kjjgr us t`g onjt kj c rgfcrichag hkki% ]cua ns bgcb&ke ne scyneo t`ct nemrgfgetca neekvctnke wke/t `cmi nt ne t`g twgety&jnrst mgetury% Gvgry MGK eggbs c husnegss fkbga neekvctnke jcmtkry%‖
‒Hrumg Eusshcuf! jkrfgr Cssnstcet Fceconeo Gbntkr!
Lusicksswkkeceb \rkjgsskr kj Neekvctnke
ceb Bgsnoe ct \crskes ]m`kka kj Bgsnoe
‑Ne gstchans`gb mkrpkrctnkes! bnsruptnke `cs hgge anig t`g wgct`gr‒nemgsscetay bnsmussgb! egvgr bgpakygb% Ekw ]cua Icpace‒pacnespkige! prcmtnmca! ceb puoecmnkus‒bkmufgets t`g prnemnpags! t`g tkkas! ceb t`g stkrngs t`ct prkvg husnegss fkbga m`ceog mce hg pcrt kj ce krocenzctnke/s rgpgrtknrg% R`ns ns t`g `cebhkki jkr t`ksg w`k wnaa ek akeogr sgttag jkr t`g nemrgfgetca%‖
‒M`rns Fygr! jkuebgr! Fkentkr Rcaget
ceb cut`kr!Ptdchicj nc tmk Puc
‑Jkrogt gpnskbnm kr nemrgfgetca neekvctnke%Xmk Lusickss Bnhko Iccnvdtinc Gd`tnryhy ]cua Icpace s`kws `kw ykur juturg rgsts ke husnegss fkbga neekvctnke% Agcre t`g 37 prnemnpags t`ct crg mrntnmca tk summgss%‖
‒]tgp`ge Bgeeneo! cut`kr kjXmk Okdhkr*s
Juihk tn \dhi`do Bdcdjkbkct
Mkpyrno`t©8<38 hy ]cua Icpace% Caa rno`ts rgsgrvgb%
\uhans`gb hy Dk`e _nagy * ]kes! Nem%! @khkige! Egw Dgrsgy%
\uhans`gb snfuatcegkusay ne Mcecbc%
Ek pcrt kj t`ns puhanmctnke fcy hg rgprkbumgb! stkrgb ne c rgtrngvca systgf! kr trcesfnttgb ne cey jkrf kr hy cey fgces! gagmtrkenm! fgm`cenmca! p`ktkmkpyneo! rgmkrbneo! smceeneo! kr kt`grwnsg! gxmgpt cs pgrfnttgb uebgr ]gmtnke 3<? kr 3<0 kj t`g 3>?: Wentgb ]tctgs Mkpyrno`t Cmt! wnt`kut gnt`gr t`g prnkr wrnttge pgrfnssnke kj t`g \uhans`gr! kr cut`krnzctnke t`rkuo` pcyfget kj t`g cpprkprnctg pgr&mkpy jgg tk t`g Mkpyrno`t Magcrcemg Mgetgr! Nem%! 888 Xksgwkkb Brnvg! Bcevgrs! FC <3>8=! (>?0. ?7<&02<<! jcx (>?0. :2:&0:<<! kr ke t`g wgh ct www%mkpyrno`t%mkf% Xgqugsts tk t`g \uhans`gr jkr pgrfnssnke s`kuab hg cbbrgssgb tk t`g \grfnssnkes Bgpcrtfget! Dk`e _nagy * ]kes! Nem%! 333 Xnvgr ]trggt! @khkige! ED <?<=<! (8<3. ?20&:<33! jcx (8<3. ?20&:<<0! kr keaneg ct `ttp4++www%wnagy%mkf+ok+pgrfnssnkes%
Anfnt kj Anchnanty+Bnsmacnfgr kj _crrcety4 _`nag t`g puhans`gr ceb cut`kr `cvg usgb t`gnr hgst gjjkrts ne prgpcrneo t`ns hkki! t`gy fcig ek rgprgsgetctnkes kr wcrrcetngs wnt` rgspgmt tk t`g cmmurcmy kr mkfpagtgegss kj t`g mketgets kj t`ns hkki ceb spgmnjnmcaay bnsmacnf cey nfpangb wcrrcetngs kj fgrm`cetchnanty kr jntegss jkr c pcrtnmuacr purpksg% Ek wcrrcety fcy hg mrgctgb kr gxtgebgb hy scags rgprgsgetctnvgs kr wrnttge scags fctgrncas% R`g cbvnmg ceb strctgongs mketcnegb `grgne fcy ekt hg suntchag jkr ykur sntuctnke% ^ku s`kuab mkesuat wnt` c prkjgssnkeca w`grg cpprkprnctg% Egnt`gr t`g puhans`gr ekr cut`kr s`caa hg anchag jkr cey akss kj prkjnt kr cey kt`gr mkffgrmnca bcfcogs! nemaubneo hut ekt anfntgb tk spgmnca! nemnbgetca! mkesgqugetnca! kr kt`gr bcfcogs%
Jkr ogegrca nejkrfctnke ke kur kt`gr prkbumts ceb sgrvnmgs kr jkr tgm`enmca suppkrt! pagcsg mketcmt kur Mustkfgr Mcrg Bgpcrtfget wnt`ne t`g Wentgb ]tctgs ct (0<<. ?:8&8>?2! kutsnbg t`g Wentgb ]tctgs ct (=3?. 7?8&=>>= kr jcx (=3?. 7?8&2<<8%
_nagy puhans`gs ne c vcrngty kj prnet ceb gagmtrkenm jkrfcts ceb hy prnet&ke&bgfceb% ]kfg fctgrnca nemaubgb wnt` stcebcrb prnet vgrsnkes kj t`ns hkki fcy ekt hg nemaubgb ne g&hkkis kr ne prnet&ke&bgfceb% Nj t`ns hkki rgjgrs tk fgbnc sum` cs c MB kr BZB t`ct ns ekt nemaubgb ne t`g vgrsnke yku purm`csgb! yku fcy bkweakcb t`ns fctgrnca ct `ttp4++hkkisuppkrt%wnagy%mkf% Jkr fkrg nejkrfctnke chkut _nagy prkbumts! vnsnt www%wnagy%mkf%
N]HE >?0&3&330&32>7:&< (makt`.9 N]HE >?0&3&330&887><&7 (ghi.9
N]HE >?0&3&330&8=>32&0 (ghi.9 N]HE >?0&3&330&8:=0>&3 (ghi.
Xn by wigk Pusdc/
gnr kc`nurdjicj tmis jrdtkguo iccnvdtinc fuceik
Cmiekwagbofgets
R`ns hkki wkuab ekt `cvg hgge pkssnhag nj nt wcse/t jkr t`g gemkurcogfget! nesno`t! nrrgvgrgemg! ceb mketrnhutnkes kj t`g getnrg Husnegss Neekvctnke Jcmtkry (HNJ. tgcf% Cs N wrntg t`ns gvgrykeg ns wcntneo jkr c wneeneo \kwgr Hcaa tnmigt `kabgr tk stgp jkrwcrb ceb macnf c "==: fnaanke prnzg% N bke/t `cvg t`g tnmigt% Hut gvge nj N bnb N mce `kegstay scy t`ct N wkuab stnaa oacbay mkfg tk wkri gvgry bcy ct HNJ% Kur tgcf kj gegrogtnm! mrgctnvg! ceb `crbwkrineo neekvctnke dueings tgcm` fg w`ct neekvctnke rgcaay fgces gvgry bcy% N cf prkub tk hg pcrt kj t`ns nemrgbnhag tgcf ceb orctgjua t`ct t`gy `ufkr fg ke t`ns anjg&akeo dkuregy tk sggi c hgttgr wcy% R`g agsskes ceb nesno`ts ne t`ns hkki crg rgcaay bug tk t`gnr gjjkrts ceb orgct wkri% N/f dust t`g fgssgeogr% Fy bggpgst orctntubg tk t`g HNJ tgcf4
M`rnstneg Mkstgaak
Rkrn Brgw
Dgjj Brury
Icrc Bznkhgi
M`rnstneg Jacecoce
Dcfgs @cfcr
Ict`grneg @ypkantg
]cfcet`c Ikwcamzyi
Gan ]tgjcesin
N cf cask orctgjua tk t`g getnrg HNJ mkffuenty kj neekvctnke dueings jrkf crkueb t`g wkrab% Kvgr t`g ygcrs N `cvg hgge nespnrgb hy ykur kptnfnsf ceb pcssnke tk try egw cpprkcm`gs% ^ku `cvg tcuo`t t`ns bnekscur fcey egw trnmis ceb gxpksgb fg tk c iekwagbog jakw t`ct caakws fg tk agcre gvgry bcy% Nj t`g okca ns tk ogt hgttgr jcstgr! yku s`neg c ano`t ke t`g pct` ceb prkvnbg t`g ekt&sk&suhtag eubog tk bcrg tk try% R`grg crg jcr tkk fcey kj yku tk fgetnke hy ecfg% R`grg `cvg hgge kvgr 8<< stkrytgaagrs wnaaneo tk s`crg t`gnr pgrskeca trcesjkrfctnke stkrngs ct kur ceeuca Mkaachkrctnvg Neekvctnke ]uffnt% Kvgr 8!<<< pcrtnmnpcets `cvg cttgebgb t`g suffnt hrneoneo nespnrctnke! dky! ceb `kpg jkr c hgttgr juturg! ceb fcey t`kuscebs fkrg mkeegmtgb t`rkuo` skmnca fgbnc pactjkrfs t`ct iggp t`g neekvctnke mkevgrsctnke cmtnvg! vnhrcet! ceb rgagvcet% _g `cvg c stggp agcreneo murvg c`gcb kj us! hut yku prkvnbg fg wnt` c pkwgrjua sgesg kj kptnfnsf t`ct tkogt`gr wg mce m`ceog t`g wkrab%
‒]cua Icpace
Netrkbumtnke
]kfgtnfgs twgcis crge/t gekuo`% ]kfgtnfgs ekt`neo s`krt kj rgnevgetneo ykursgaj! ykur krocenzctnke! kr ykur mkffuenty ns mcaagb jkr% R`g hgoneeneo kj t`g twgety&jnrst mgetury ns keg kj t`ksg tnfgs% Nj ceyt`neo ns mgrtcne chkut t`g egw fnaageenuf! nt/s t`g pcmg kj m`ceog% Egw tgm`ekakoy rgagetagssay `urbags netk kur anvgs% Nbgcs ceb prcmtnmgs trcvga crkueb t`g wkrab ct Netgregt spggb% ]kmnca fgbnc gechags nebnvnbucas tk sgaj&krocenzg ceb rgkrocenzg ne wcys uenfconechag ne t`g twgetngt` mgetury% _g cask anvg ne cexnkus tnfgs fcrigb hy gmkekfnm uemgrtcnety! hut keg t`neo ns magcr4 rgagvcemy ns fkrg jaggtneo t`ce gvgr% @kw tk stcy rgagvcet ne c m`ceoneo ceb uemgrtcne wkrab ns keg kj t`g fkst nfpkrtcet qugstnkes kj kur tnfg%
R`rnvneo ne t`g fnbst kj tkbcy/s jrgegtnm pcmg kj m`ceog rgqunrgs c egw sgt kj cpprkcm`gs ceb tkkas% Nemrgfgetca m`ceog fcy `cvg hgge gekuo` ct t`g geb kj ce nebustrnca grc fcrigb hy ‑fg&tkk‖ prkbumts ceb sgrvnmgs! prkmgss rggeoneggrneo! hgst prcmtnmgs! hgem`fcris! ceb mketneukus nfprkvgfget% _g `cvg hunat nestntutnkes t`ct crg jcr hgttgr ct s`crg tcineo t`ce ct fcrigt fcineo% _g `cvg hgmkfg rgcaay okkb ct twgcis% R`grg crg tkes kj hkkis! gxpgrts! ceb tkkas tk `gap us fcig fcroneca nfprkvgfgets ne t`g wcy t`neos wkri tkbcy ceb tk jno`t nt kut wnt` gxnstneo mkfpgtntkrs jkr keg fkrg s`crg pknet% Hut `kw bk wg hgmkfg fcrigt fcigrs; Nemrgfgetca m`ceog fcy hg egmgsscry hut nt nse/t sujjnmnget jkr t`g twgety&jnrst mgetury! w`nm` wnaa hg bgjnegb hy egxt prcmtnmgs! bnsruptnvg tgm`ekakongs! fcrigt fcineo! ceb trcesjkrfctnke%
Xmk Lusickss Bnhko Iccnvdtinc Gd`tnryns c hkki jkr caa agcbgrs w`k rgmkoenzg t`ct nemrgfgetca m`ceog nse/t gekuo`% Nt/s c hkki chkut trcesjkrfctnke% Nt bkgse/t fcttgr w`ct typg kr snzg kj krocenzctnke kr mkffuenty yku agcb kr cspnrg tk agcb% Nt mkuab hg c jkr&prkjnt kr ekeprkjnt mkfpcey! c sm`kka! kr c okvgrefget cogemy% Nt mkuab hg c ectnke! stctg! kr mnty! kr fcyhg gvge ce keaneg mkffuenty% Kr fcyhg yku crg keg kj c orkwneo eufhgr kj jrgg cogets wkrineo cmrkss prkdgmts ceb egtwkris% Xgocrbagss kj krocenzctnke typg kr agcbgrs`np rkag! caa agcbgrs eggb tk agcre t`g crt ceb prcmtnmg kj trcesjkrfctnke tk stcy rgagvcet ne c m`ceoneo wkrab% R`g fkst gxmntneo ceb hgst kppkrtuentngs rgqunrg getnrgay egw husnegss fkbgas kr wcys tk mrgctg! bganvgr! ceb mcpturg vcaug% R`g m`caageog caa agcbgrs jcmg ns `kw tk rgnevget c husnegss fkbga w`nag t`g getnrg krocenzctnke ns wkrineo `crb pgbcaneo t`g hnmymag kj t`g murrget keg% R`g twgety&jnrst mgetury smrgcfs jkr trcesjkrfctnke! ekt twgcis%Xmk Lusickss Bnhko Iccnvdtinc Gd`tnryns c hkki jkr trcesjkrfgrs%
N wcs nespnrgb tk wrntg t`ns hkki cjtgr spgebneo t`nrty&paus ygcrs cs ce neekvctnke dueing wnt` gvgry nfconechag hacmi ceb haug fcri t`ct mkfgs jrkf hgneo c bng`crb m`ceog coget% N `cvg hgge c stubget ceb neekvctnke prcmtntnkegr cmrkss t`g puhanm ceb prnvctg sgmtkr! nebustrngs! ceb bnsmnpanegs% N `cvg khsgrvgb `uebrgbs kj krocenzctnkes ceb t`kuscebs kj neekvctkrs cttgfpt tk bk trcesjkrfctnkeca t`neos ceb sgttag jkr bkneo nemrgfgetca t`neos% R`g pcttgres crg magcr ceb t`g eggb jkr husnegss fkbga neekvctnke sggfs khvnkus% N wrktg t`ns hkki tk s`crg fy gxpgrngemg ceb nbgcs ke `kw yku mce mrgctg c husnegss fkbga neekvctnke jcmtkry tk stcy rgagvcet ne c m`ceoneo wkrab% R`g hkki ns krocenzgb ne jkur pcrts4
\crt N
_`ct ^ku @cvg Cawcys Bkeg Nse/t _krineo Ceyfkrg
\crt NN
Mkeegmt! Nespnrg! Rrcesjkrf4 37 Husnegss Fkbga Neekvctnke \rnemnpags
\crt NNN
Mrgctneo c Husnegss Fkbga Neekvctnke Jcmtkry
\crt NZ
Husnegss Fkbgas Crge/t Dust jkr Husnegss
R`g hkki/s jnrst pcrt gstchans`gs t`g hcsnm hunabneo hakmis kj c husnegss fkbga ceb fcigs t`g mcsg t`ct husnegss fkbga neekvctnke ns t`g egw strctgonm nfpgrctnvg% R`g okca jkr caa agcbgrs ns tk cvknb hgneo ‑egtjanxgb%‖ Nj egtjanxgb nse/t c vgrh nt s`kuab hg# Hakmihustgr scw BZB tgm`ekakoy ceb Egtjanx mkfneo% R`g Wentgb ]tctgs \kstca ]grvnmg scw g&fcna mkfneo% Wenvgrsnty prgsnbgets sgg keaneg mketget ceb skmnca fgbnc pactjkrfs m`ceoneo t`g wcy stubgets agcre% ^gt w`ge jcmgb wnt` t`g khvnkus ceb orkwneo t`rgct kj c bnsruptnvg mkfpgtntkr! krocenzctnkes rgfcne stumi ne t`gnr murrget husnegss fkbgas% Nt/s cfczneo `kw jgw krocenzctnkes mce magcray crtnmuactg t`gnr husnegss fkbga% Mce ykurs; Nj yku csi cey 3< pgkpag ne ykur krocenzctnke tk bgsmrnhg ykur murrget husnegss fkbga! wnaa t`g ceswgrs gvge hg maksg; Fkst agcbgrs iekw t`grg crg catgrectnvg ceb pktgetncaay hgttgr wcys tk mrgctg! bganvgr! ceb mcpturg vcaug hut struooag wnt` `kw tk m`ceog t`gnr husnegss fkbgas%
Ne t`g jcmg kj c sgrnkus bnsruptnvg t`rgct fkst agcbgrs bk w`ct t`gy crg mkfjkrtchag wnt` ceb iekw `kw tk bk‒t`gy strgeot`ge ceb hgmkfg gvge fkrg getrgem`gb ne t`gnr murrget husnegss fkbgas% R`gy cbb egw prkbumts ceb sgrvnmgs tk t`g murrget fkbga! bgpaky tgm`ekakoy tk strgeot`ge murrget mcpchnantngs! gxtgeb t`g murrget husnegss fkbga netk egw fcrigts! ceb t`gy try tk mrgctg jcvkrchag acws ceb ok tk mkurt tk hakmi egw husnegss fkbgas% R`gsg strctgongs fcy mrgctg vcaug ne t`g s`krt&tgrf hut ekeg kj t`gsg gjjkrts tk strgeot`ge gxnstneo husnegss fkbgas crg gjjgmtnvg jkr akeo ne t`g jcmg kj c bnsruptnvg mkfpgtntkr t`ct ns m`ceoneo t`g wcy vcaug ns mrgctgb! bganvgrgb! ceb mcpturgb t`rkuo` ce getnrgay egw husnegss fkbga% Bnsruptnke ns ekw t`g ekrf nestgcb kj t`g gxmgptnke%
Agcbgrs mkuab ogt cwcy wnt` hanebay jkmusneo ke c sneoag husnegss fkbga ne t`g twgetngt` mgetury! w`ge husnegss fkbgas rcrgay m`ceogb% Fkst nebustrnca&grc agcbgrs egvgr `cb tk m`ceog t`gnr husnegss fkbga% Keg fkbga wkrigb t`rkuo`kut t`gnr getnrg mcrggrs% R`gy mkuab jkmus ke nfprkvneo t`gnr fcrigt pksntnke ceb mkfpgtntnvgegss hy fcineo nemrgfgetca nfprkvgfgets tk t`g gxnstneo fkbga% Bnsruptnvg t`rgcts wgrg rcrg ceb mkuab hg scjgay noekrgb% Ekt sk ne t`g twgety&jnrst mgetury! w`ge t`g `caj&anjg kr akeogvnty kj c husnegss fkbga ns bgmrgcsneo% Husnegss fkbgas dust bke/t acst cs akeo cs t`gy usgb tk% Egw pacygrs crg rcpnbay gfgroneo! gechagb hy bnsruptnvg tgm`ekakoy! rgjusneo tk pacy hy nebustrnca&grc ruags% Husnegss fkbga neekvctkrs crge/t mkestrcnegb hy gxnstneo husnegss fkbgas% Husnegss fkbga neekvctnke ns hgmkfneo t`g egw strctgonm nfpgrctnvg jkr caa krocenzctnke agcbgrs% Hut `kw bk yku trcesjkrf c husnegss fkbga w`nag stnaa anvneo ne t`g murrget keg;
R`g hkki/s sgmkeb pcrt prkvnbgs neekvctkrs wnt` c sgt kj cmtnkechag prnemnpags tk ounbg husnegss fkbga neekvctnke gjjkrts% Nt prkvnbgs 37 cmtnkechag prnemnpags hcsgb ke t`g khsgrvctnkes kj t`ns neekvctnke dueing t`rkuo`kut c =<&ygcr mcrggr‒prcmtnmneo neekvctnke w`nag fgcebgrneo cmrkss nebustry! mkesuatneo! okvgrefget! ceb ekeprkjnt agcbgrs`np rkags! ceb t`g kvgr gno`t ygcrs kj wkri wnt` ce nemrgbnhag tgcf ct t`g Husnegss Neekvctnke Jcmtkry (HNJ.! c ekeprkjnt N jkuebgb ceb agcb cs nts M`ngj Mctcayst! jkmusneo ke gechaneo rgca&wkrab achs jkr husnegss fkbga ceb systgfs&agvga trcesjkrfctnke% N `cvg `cb t`g prnvnagog kj mkeegmtneo! mkevgeneo! gxpakrneo! ceb mrgctneo wnt` skfg kj t`g fkst nespnrneo neekvctkrs ke t`g pacegt! ceb t`g prnemnpags kj husnegss fkbga neekvctnke bgtcnagb ne t`ns hkki mkfg jrkf t`ns wkebgrjua neekvctnke dkuregy%
Jnjtgge husnegss fkbga neekvctnke prnemnpags crg krocenzgb netk t`rgg fcne t`gfgs4 Mkeegmt! Nespnrg! Rrcesjkrf% Husnegss fkbga neekvctnke ns c tgcf spkrt% Nt/s hnoogr t`ce cey keg kj us% Nt/s c mkaachkrctnvg cmt ceb mkeegmtnkes crg igy% Nt rgqunrgs caa kj us tk hunab strkeogr mkaachkrctnke fusmag% R`g hgst vcaug&mrgctneo kppkrtuentngs crg ne t`g orcy crgcs hgtwgge us% _g fust hgmkfg fkrg mkfjkrtchag ne t`g orcy crgc ceb ogt fum` hgttgr mkeegmtneo cmrkss snaks! bnsmnpanegs! ceb sgmtkrs% R`g fkst gxmntneo egw husnegss fkbgas crg egtwkris mkeegmtneo mcpchnantngs cmrkss hkuebcrngs%
]ummgssjua husnegss fkbga neekvctkrs crg nespnrctnke cmmgagrctkrs% \gkpag gxmga ct ceb mkffnt tk w`ct t`gy crg pcssnkectg chkut% Rrcesjkrfctnke mce keay `cppge w`ge pgkpag crg mkffnttgb tk t`g `crb wkri kj m`ceog% \gkpag fust hg nespnrgb ceb gfktnkecaay vgstgb ne mkmrgctneo c egw juturg% _nt`kut nespnrctnke husnegss fkbga neekvctnke bkgse/t `cppge% R`g pct` tk nespnrctnke ns t`rkuo` stkrytgaaneo! keg kj t`g fkst nfpkrtcet tkkas jkr cey husnegss fkbga neekvctkr% Nt/s t`g hgst wcy tk mrgctg gfktnkeca mkeegmtnkes tk egw husnegss fkbga mkemgpts ceb neekvctnkes%
]`crneo stkrngs ns `kw tk mrgctg c egtwkri kj pcssnkectg suppkrtgrs t`ct mce `gap fcig egw husnegss fkbga nbgcs c rgcanty% _g rgfgfhgr stkrngs% _g rgactg tk stkrngs ceb t`gy mkfpga us tk cmtnke% C husnegss fkbga ns t`g stkry kj `kw vcaug ns mrgctgb! bganvgrgb! ceb mcpturgb%
Rrcesjkrfctnke ns `crb% _g `cvg tk fcig nt gcsngr hy mrgctneo t`g mkebntnkes jkr keokneo gxpgrnfgetctnke% Nt/s gcsy tk sigtm` c egw husnegss fkbga ke t`g w`ntghkcrb% Nt/s fum` `crbgr tk tcig t`g mkemgpt kjj kj t`g w`ntghkcrb ceb put nt ne tk t`g rgca wkrab% _g spgeb jcr tkk fum` tnfg t`neineo ceb paceeneo ceb ekw`grg egcr gekuo` tnfg gxpgrnfgetneo ne t`g rgca wkrab tk sgg w`ct wkris% _g eggb tk try fkrg stujj% _g mce/t pkssnhay iekw nj c egw husnegss fkbga nbgc wnaa wkri snttneo ne c mkejgrgemg rkkf% _g `cvg tk mrgctg t`g mkebntnkes ne t`g rgca wkrab w`grg wg mce bk X*B jkr egw husnegss fkbgas% Nj wg wcet tk stcy rgagvcet ne t`g twgety&jnrst mgetury wg `cvg tk gxpgrnfget caa t`g tnfg% Agcbneo krocenzctnkes wnaa `cvg sgvgrca husnegss fkbga gxpgrnfgets okneo ke ct caa tnfgs%
Egw husnegss fkbga nbgcs mkfg ekt hy akkineo t`rkuo` t`g ages kj t`g murrget husnegss fkbga! hut hy agcreneo `kw tk akki t`rkuo` t`g ages kj t`g mustkfgr% Rrcesjkrfctnkeca husnegss fkbgas fust hg bgsnoegb crkueb wcys tk nfprkvg t`g mustkfgr gxpgrngemg! ekt crkueb wcys tk nfprkvg t`g pgrjkrfcemg kj t`g murrget husnegss fkbga% Husnegss fkbga neekvctnke stcrts hy hrneoneo t`g vknmg ceb gxpgrngemg kj t`g geb&usgr netk t`g mgetgr kj ce ntgrctnvg bgsnoe prkmgss%
_`ge wkvge tkogt`gr! t`gsg 37 husnegss fkbga neekvctnke prnemnpags prkvnbg ounbganegs tk gechag getnrgay egw wcys tk mrgctg! bganvgr! ceb mcpturg vcaug% R`gy gechag trcesjkrfctnke%
R`g hkki/s t`nrb pcrt prkvnbgs ce nfpagfgetctnke rkcb fcp tk mrgctg c husnegss fkbga neekvctnke jcmtkry% Nt ceswgrs t`g igy kpgrctnkeca qugstnkes4 @kw bk yku mkebumt X*B jkr egw husnegss fkbgas; @kw mce ykur krocenzctnke gstchans` c husnegss fkbga neekvctnke jcmtkry; Husnegss fkbga neekvctnke ns t`g egw strctgonm nfpgrctnvg ceb ygt fkst agcbgrs scy t`gy bke/t `cvg t`g krocenzctnkeca mcpchnanty tk bgsnoe! prktktypg! ceb tgst egw husnegss fkbgas%
Neekvctnke ns c hgttgr wcy tk bganvgr vcaug% Neekvctnke ns bnjjgrget t`ce nevgetnke% Nt/s keay ce neekvctnke w`ge nt `cs cmtucaay bganvgrgb vcaug kr skavgb c prkhagf ne t`g rgca wkrab% Nevgetnke ns orgct hut nt/s dust ce neput tk neekvctnke% Neekvctnke ns chkut bganvgrneo vcaug ceb rgqunrgs c husnegss fkbga% Husnegss fkbga neekvctnke ns chkut egw wcys tk mrgctg! bganvgr! ceb mcpturg vcaug% Fcey egw husnegss fkbgas bke/t rgqunrg cey nevgetnke ct caa% Kjtge egw husnegss fkbgas dust mkfhneg ceb rgmkfhneg gxnstneo tgm`ekakongs ceb mcpchnantngs ne bnjjgrget wcys tk m`ceog `kw vcaug ns bganvgrgb%
R`g rgca trnmi ns mrgctneo c husnegss fkbga neekvctnke jcmtkry w`grg tgm`ekakongs ceb mcpchnantngs mce hg rgfnxgb ne egw mkfhnectnkes tk bganvgr vcaug% R`g nfpgrctnvg ns tk bk X*B jkr egw husnegss fkbgas% Ekt dust mkemgpts ke c w`ntghkcrb kr ne c mkesuatneo bgmi! hut X*B ne t`g rgca wkrab tk gxpakrg t`g vnchnanty kj c egw husnegss fkbga ne rgca fcrigt mkebntnkes% Ekt dust twgcis kj t`g murrget husnegss fkbga! hut getnrgay egw wcys tk mrgctg! bganvgr! ceb mcpturg vcaug% Krocenzctnkes eggb c husnegss fkbga neekvctnke jcmtkry tk gxpakrg egw husnegss fkbgas uemkestrcnegb hy t`g murrget keg%
C summgssjua husnegss fkbga neekvctnke jcmtkry `cs t`g cutkekfy ceb rgskurmgs tk gxpakrg gvge t`ksg husnegss fkbgas t`ct fno`t bnsrupt t`g murrget keg% Ct t`g scfg tnfg nt/s mkeegmtgb tk t`g mkrg husnegss ne krbgr tk cmmgss gxnstneo mcpchnantngs tk gechag ceb cmmgagrctg husnegss fkbga gxpgrnfgetctnke% Gcsngr scnb t`ce bkeg# R`g prcmtnmg kj X*B tk bgvgakp egw prkbumts ceb tgm`ekakongs ns wgaa gstchans`gb% Fkst krocenzctnkes iekw `kw tk bgvgakp egw prkbumts t`ct mce hg mkffgrmncanzgb hy t`g murrget husnegss fkbga ne krbgr tk mrgctg egw tkp aneg rgvgeug orkwt`% R`g egw nfpgrctnvg ns tk gstchans` t`g mcpchnanty tk bk X*B jkr egw husnegss fkbgas! gvge t`ksg t`ct fno`t bnsrupt t`g murrget keg%
Nfpkrtcet nfpagfgetctnke qugstnkes cbbrgssgb ne t`ns sgmtnke kj t`g hkki nemaubg4 @kw bk yku krocenzg! stcjj! ceb rgskurmg c husnegss fkbga neekvctnke jcmtkry; @kw bk yku tgst egw husnegss fkbgas ne t`g rgca wkrab; @kw bk yku fcecog t`g negvntchag krocenzctnkeca mkejanmt hgtwgge c husnegss fkbga neekvctnke jcmtkry ceb t`g mkrg husnegss; @kw bk yku smcag c prkfnsneo husnegss fkbga ceb bgca wnt` t`g t`rgct kj mceenhcanzctnke tk ykur murrget husnegss fkbga;
R`g hkki/s jkurt` pcrt bgfkestrctgs t`ct husnegss fkbga neekvctnke nse/t dust jkr husnegss% Keg kj t`g hnoogst surprnsgs jrkf t`g tnfg N spget wkrineo ne t`g puhanm sgmtkr ns `kw strgeukusay skmnca sgmtkr krocenzctnkes rgsnst t`g ektnke t`ct t`gy `cvg c husnegss fkbga% Ekeprkjnts! okvgrefget cogemngs! skmnca getgrprnsgs! sm`kkas! ceb ekeokvgrefgetca krocenzctnkes (EOKs. mkesnstgetay prkmacnf t`ct t`gy crge/t husnegssgs! ceb t`grgjkrg husnegss ruags bke/t cppay% _gaa! N/f skrry tk hrgci t`g egws! hut nj ce krocenzctnke `cs c vnchag wcy tk mrgctg! bganvgr! ceb mcpturg vcaug! nt `cs c husnegss fkbga% Nt bkgse/t fcttgr w`gt`gr ce krocenzctnke ns ne t`g puhanm kr prnvctg sgmtkr% Nt bkgse/t fcttgr nj nt/s c ekeprkjnt kr c jkr&prkjnt getgrprnsg% Caa krocenzctnkes `cvg c husnegss fkbga%
Ekeprkjnt mkrpkrctnkes fcy ekt hg prkvnbneo c jnecemnca rgture tk nevgstkrs kr kwegrs! hut t`gy stnaa mcpturg vcaug tk jnecemg cmtnvntngs wnt` mketrnhutnkes! orcets! ceb sgrvnmg rgvgeug% ]kmnca getgrprnsgs fcy hg fnssnke&brnvge! jkmusgb ke bganvgrneo skmnca nfpcmt vgrsus c jnecemnca rgture ke nevgstfget! hut t`gy stnaa eggb c sustcnechag fkbga tk smcag% Okvgrefget cogemngs crg jnecemgb hy tcxgs! jggs! ceb sgrvnmg rgvgeug! hut crg stnaa cmmkuetchag tk bganvgr mntnzge vcaug ct smcag% R`g nbgc t`ct husnegss fkbgas crg dust jkr husnegss ns dust wrkeo% Cey krocenzctnke t`ct wcets tk hg rgagvcet! tk bganvgr vcaug ct smcag! ceb tk sustcne ntsgaj fust magcray crtnmuactg ceb gvkavg nts husnegss fkbga% Ceb nj ce krocenzctnke bkgse/t `cvg c sustcnechag husnegss fkbga! nts bcys crg eufhgrgb%
\gr`cps t`g fkst nfpkrtcet rgcske jkr bgvgakpneo mkffke husnegss fkbga neekvctnke aceoucog cmrkss puhanm! prnvctg! ekeprkjnt! ceb jkr&prkjnt sgmtkrs ns t`ct trcesjkrfneo kur nfpkrtcet skmnca systgfs nemaubneo gbumctnke! `gcat` mcrg! ceb gegroy wnaa rgqunrg egtwkrigb husnegss fkbgas t`ct mut cmrkss sgmtkrs% _g eggb egw `yhrnb fkbgas t`ct bke/t jnt magceay netk tkbcy/s mkevgenget sgmtkr humigts% _g cargcby sgg jkr&prkjnt skmnca getgrprnsgs! ekeprkjnts wnt` jkr&prkjnt bnvnsnkes! ceb jkr&prkjnt mkfpcengs wnt` skmnca fnssnkes% Rrcbntnkeca sgmtkr anegs crg haurrneo% _g/rg okneo tk sgg gvgry nfconechag pgrfutctnke ceb wnaa `cvg tk ogt mkfjkrtchag wnt` fkrg gxpgrnfgetctnke ceb cfhnounty% Gmkekfnm prkspgrnty ceb skautnkes jkr kur hno skmnca systgf m`caageogs rgqunrg husnegss fkbga neekvctnke cmrkss sgmtkrs% Caa krocenzctnke agcbgrs fust agcre `kw tk bk X*B jkr egw husnegss fkbgas% Ekeprkjnt! skmnca getgrprnsg! sm`kka! ceb okvgrefget agcbgrs crge/t gxgfpt% Husnegss fkbgas crge/t dust jkr husnegss%
Nt/s c orgct tnfg tk hg c husnegss fkbga neekvctkr% R`ns ns t`g neekvctkr/s bcy% R`g okkb egws ns t`ct burneo turhuaget gmkekfnm tnfgs gvgrykeg akkis tk neekvctkrs jkr egw skautnkes% R`g hcb egws ns t`ct wg `cvg turegb neekvctnke netk c huzzwkrb% Gvgrykeg ns ce neekvctkr ceb gvgryt`neo ns ce neekvctnke% Ceb kj mkursg w`ge t`ct `cppges ek keg ceb ekt`neo ns% _g `cvg tk ogt hgakw t`g huzzwkrbs%Xmk Lusickss Bnhko Iccnvdtinc Gd`tnryns jkr caa agcbgrs w`k wcet tk stcy rgagvcet ne c m`ceoneo wkrab% Nt fcigs t`g mcsg jkr husnegss fkbga neekvctnke cs t`g egw strctgonm nfpgrctnvg! s`kws `kw krocenzctnkes mce rgnevget t`gfsgavgs hy bkneo keokneo X*B jkr egw husnegss fkbgas! ceb prkvnbgs ce nfpagfgetctnke rkcb fcp jkr caa husnegss fkbga neekvctkrs w`k wcet tk ok jrkf twgcis tk trcesjkrfctnke%
N
_`ct ^ku @cvg Cawcys Bkeg Nse/t _krineo Ceyfkrg
M`cptgr 3
Bke/t Ogt Egtjanxgb4 ^kur Murrget Husnegss Fkbga Nse/t Okneo tk Acst Fum` Akeogr
R`g eumagcr nebustry fgcsurgs `kw akeo c rcbnkcmtnvg fctgrnca wnaa rgtcne nts pktgemy hy nts `caj&anjg! w`nm` ns t`g tnfg nt tcigs jkr t`g fctgrnca tk aksg `caj kj nts rcbnkcmtnvnty% Jkr nestcemg! t`g `caj&anjg kj Wrcenuf&8=7 ns ?<< fnaanke ygcrs% Ek wkebgr eumagcr prkanjgrctnke ns sk jgcrgb# Burneo t`g nebustrnca grc t`g `caj&anjg kj c husnegss fkbga `cs hgge fgcsurgb ne ogegrctnkes% Husnegss fkbgas `cvg cawcys acstgb c akeo tnfg% Husnegss fkbgas rcrgay m`ceogb ceb wgrg `cebgb bkwe jrkf ogegrctnke tk ogegrctnke% Fkst husnegss agcbgrs `cvg egvgr `cb tk m`ceog t`gnr husnegss fkbga% Fkst MGKs `cvg agb c sneoag husnegss fkbga t`rkuo`kut t`gnr getnrg mcrggr% R`gy egvgr agcregb `kw tk m`ceog c husnegss fkbga ne husnegss sm`kka kr jrkf t`gnr pggrs! w`k cask `cvg egvgr `cb tk m`ceog t`gnr husnegss fkbgas%
Burneo t`g nebustrnca grc kemg t`g hcsnm ruags jkr `kw c mkfpcey mrgctgs! bganvgrs! ceb mcpturgs vcaug wgrg gstchans`gb t`gy hgmcfg gtm`gb ne stkeg! jkrtnjngb hy juemtnkeca snaks! ceb sustcnegb hy rgnejkrmneo mkfpcey muaturgs% Caa kj c mkfpcey/s BEC! gegroy! ceb rgskurmgs wgrg jkmusgb ke smcaneo t`g husnegss fkbga ceb hgctneo hcmi mkfpgtntnke cttgfptneo tk bk c hgttgr dkh gxgmutneo t`g scfg husnegss fkbga% Mkfpcengs wnt` egcray nbgetnmca husnegss fkbgas sauoogb nt kut jkr fcrigt s`crg wnt`ne wgaa&bgjnegb nebustry sgmtkrs% R`grg wcs c fcb rus` tk mkpy sk&mcaagb hgst prcmtnmgs ne krbgr tk ekt hg agjt hg`neb hy nebustry agcbgrs%
Nt s`kuab hg ek surprnsg t`ct nj yku csi gxgmutnvgs ceb mkrpkrctg gfpakyggs tk bgjneg t`g tgrf husnegss fkbga ceb tk s`crg t`gnr mkfpcey/s husnegss fkbga stkry yku tgeb tk ogt c akt kj hacei stcrgs ceb vgry bnjjgrget stkrngs jrkf cmrkss t`g krocenzctnke% Jkr fkst! t`gnr husnegss fkbga `cs prkhchay hgge ne pacmg snemg t`g husnegss wcs stcrtgb‒hgjkrg fkst gfpakyggs dknegb t`g mkfpcey% Nt `cse/t m`ceogb% Nt ns nfpanmnt% Ek keg tcais chkut nt% Ek keg s`crgs husnegss fkbga stkrngs hgmcusg t`gy crg tcige jkr orcetgb%
Nebustry bgjnentnkes crg cask tcige jkr orcetgb% Cs nj nebustrngs wgrg mauhs wnt` gxmausnvg cbfnssnke mrntgrnc ceb sgmrgt `cebs`cigs keay rgvgcagb tk mkfpcengs t`ct corgg tk pacy hy uebgrstkkb ruags% R`g nebustrnca grc `cs hgge bgjnegb hy magcray bganegctgb nebustrngs! fcineo nt gcsy tk nbgetnjy w`nm` sgmtkr gvgry mkfpcey ns mkfpgtneo ne% Nt wcs caa sk ogetagfceay! cs nj mkfpgtntnke wcs okvgregb anig hkxneo hy c mkbg kj ogegrcaay cmmgptgb Fcrqugss kj Suggeshgrry ruags% Mkfpcengs wgrg caa mkevgengetay cssnoegb c eufgrnmca ]tcebcrb Nebustrnca Macssnjnmctnke (]NM. mkbg (ekw Ekrt` Cfgrnmce Nebustry Macssnjnmctnke ]ystgf! kr ECNM]. nbgetnjyneo w`nm` nebustry sgmtkr t`gy jnt netk% _nt`ne gcm` nebustry sgmtkr mkfpcengs caa fnorctgb tkwcrb ce nbgetnmca husnegss fkbga mkfpgtneo jkr fcrigt s`crg wnt`ne t`g sgmtkr% Husnegss fkbgas rcrgay m`ceogb%
R`ksg bcys crg kvgr% R`g nebustrnca grc ns ekt mkfneo hcmi% R`g `caj&anjg kj c husnegss fkbga ns bgmaneneo% Husnegss fkbgas dust bke/t acst cs akeo cs t`gy usgb tk% Ne t`g twgety&jnrst mgetury husnegss agcbgrs crg ueanigay tk fcecog c sneoag husnegss fkbga jkr ce getnrg mcrggr% Husnegss agcbgrs crg ueanigay tk `ceb bkwe t`gnr husnegssgs tk t`g egxt ogegrctnke kj agcbgrs wnt` t`g scfg husnegss fkbga t`gy ne`grntgb jrkf t`g ogegrctnke hgjkrg% Agcbgrs crg gnt`gr okneo tk agcre `kw tk m`ceog t`gnr husnegss fkbgas w`nag pgbcaneo t`g hnmymag kj t`g murrget keg kr t`gy crg okneo tk hg egtjanxgb% R`g m`caageog ne t`g twgety&jnrst mgetury jkr caa agcbgrs ns `kw tk cvknb hgneo egtjanxgb%
Nj egtjanxgb nse/t c vgrh nt s`kuab hg%
egtjanx9 egtjanxgb
vkrl
4*tk mcusg bnsruptnke kr turfkna tk ce gxnstneo husnegss fkbga
<*tk bgstrky c prgvnkusay summgssjua husnegss fkbga
=*tk bnspacmg t`g wcy vcaug ns murrgetay mrgctgb! bganvgrgb! ceb mcpturgb
1*tk hg bnsruptgb! bgstrkygb! kr bnspacmgb hy c egw husnegss fkbga
Lfcmblustnr Onts Jnt`fexna
Hakmihustgr stcrtgb kut wnt` c mkfpgaaneo husnegss fkbga% Nts vcaug prkpksntnke wcs magcr‒gechaneo mkesufgrs tk wctm` `nt fkvngs ne t`g mkfjkrt kj t`gnr `kfgs% Hakmihustgr gstchans`gb ce gxtgesnvg vcaug bganvgry egtwkri wnt` stkrgs mkevgengetay akmctgb ke gvgry mkregr% Nts jnrst stkrg kpgegb ne 3>07 ceb nt qunmiay orgw tk `cvg kvgr 7!<<< rgtcna kutagts ceb :<!<<< gfpakyggs% Nt cask `cb c sfcrt jnecemneo fkbga tk mcpturg vcaug% Nt rgetgb `nt fkvngs ct c prnmg mkesufgrs jkueb cttrcmtnvg rgactnvg tk t`g prnmg kj okneo kut tk t`g fkvngs% Nestgcb kj pcyneo c acrog upjrket jgg tk huy vnbgks jrkf t`g stubnk (up tk ":7 pgr vnbgk. Hakmihustgr getgrgb netk c rgvgeug&s`crneo fkbga wnt` t`g fkvng stubnks nemaubneo anttag tk ek upjrket mksts pgr vnbgk! w`nm` ocvg t`gf c `uog cbvcetcog! ceb jugagb gxpaksnvg orkwt`% Hakmihustgr stcrtgb kut ke c rkaa% Ct nts pgci ne 8<<8 Hakmihustgr/s fcrigt mcp rksg tk "7 hnaanke% Ne 8<3< nt jnagb jkr hceiruptmy% ]k w`ct `cppgegb; Hakmihustgr wcs egtjanxgb%
Nt wcse/t cs nj Hakmihustgr bnbe/t sgg Egtjanx mkfneo% R`gy wgrg dust sk mkffnttgb tk t`gnr hrnmis ceb fkrtcr husnegss fkbga t`gy mkuabe/t sgg kr cmt hgykeb nt% R`gy wgrg stumi ne t`gnr husnegss fkbga% Nt hgmcfg c strcntdcmigt t`ct gvgetucaay tkki t`g mkfpcey bkwe% ^ku bnbe/t `cvg tk hg c jay ke t`g wcaa kj Hakmihustgr/s `gcbqucrtgrs burneo t`ksg ygcrs tk nfconeg t`g fcecogfget bghctg t`ct tkki pacmg ke w`ct tk bk chkut t`g gfgroneo mkfpgtntnvg upstcrt! Egtjanx%
Cs ns kjtge t`g mcsg! t`g Hakmihustgr husnegss fkbga stkry stcrts ceb gebs wnt` tgm`ekakoy pacyneo c agcbneo rkag% Nentncaay! tgm`ekakoy gechagb ceb t`ge uatnfctgay bnsruptgb Hakmihustgr/s husnegss fkbga%
Gcray vgrsnkes kj t`g vnbgkmcssgttg rgmkrbgr (ZMX. jnrst cppgcrgb ne t`g actg 3>7<s ceb t`rkuo` t`g 3>:<s! hut nt wcse/t uetna t`g actg 3>?<s t`ct t`gy hgoce tk `cvg cey fcss mkesufgr fcrigt summgss% _`k bkgse/t rgfgfhgr t`g orgct jkrfct wcr hgtwgge ]key/s Hgtcfcx ceb DZM/s Z@] mkfpgtneo vnbgkmcssgttg stcebcrbs; Z@] wke kut bug tk c akeogr twk&`kur rgmkrbneo tnfg wnt` t`g chnanty tk gxtgeb t`g rgmkrbneo tnfg up tk jkur `kurs% R`g acst khstcmag tk hrkcb mkesufgr uptcig kj ZMXs wcs kvgrmkfneo t`g rgsnstcemg kj fkvng stubnks% Anig cey nebustry jcmneo c husnegss fkbga t`rgct! w`gt`gr rgca kr nfconegb! t`g fkvng nebustry jkuo`t `crb tk hakmi t`g sprgcb kj ZMX tgm`ekakoy% Dcmi Zcagetn! `gcb kj t`g Fktnke \nmturg Csskmnctnke kj Cfgrnmc! nfpakrgb Mkeorgss tk prktgmt t`g fkvng nebustry jrkf t`g ‑scvcogry ceb t`g rcvcogs kj t`ns fcm`neg%‖ Ne Mkeorgssnkeca tgstnfkey Zcagetn scnb! ‑t`g ZMX ns tk t`g Cfgrnmce jnaf prkbumgr ceb t`g Cfgrnmce puhanm cs t`g Hkstke strceoagr ns tk t`g wkfce `kfg cakeg%‖3 R`g mcsg wget caa t`g wcy tk t`g ]uprgfg Mkurt ruaneo nePncy @nrp# ng Dbkri`d v# [civkrsdo @ity Ptuhins/ Ic`#t`ct ZMXs wgrg caakwchag jkr prnvctg usg% Nrkenmcaay t`g fkvng nebustry gebgb up jnebneo c snoenjnmcet egw rgvgeug skurmg hy bnstrnhutneo vnbgk rgmkrbneos kj t`gnr fkvngs%
_nt` mkesufgr cmmgptcemg kj ZMXs gxpcebneo cjtgr t`g jcvkrchag ]uprgfg Mkurt ruaneo ne 3>02! Hakmihustgr kpgegb nts jnrst stkrg ke Kmtkhgr 3>07 ne Bcaacs! Rgxcs! ceb egvgr akkigb hcmi! kr kvgr nts s`kuabgr! jkr t`ct fcttgr% _cyeg @unzneoc scw t`g pktgetnca tk smcag Hakmihustgr ectnkecaay! cs `g `cb prgvnkusay bkeg wnt` ocrhcog mkaagmtnke ct _cstg Fcecogfget! ceb hkuo`t t`g mkfpcey ne 3>0?! stcrtneo wnt` c jgw stkrgs ceb qunmiay gxpcebneo t`rkuo` cmqunsntnkes ceb egw stkrg kpgeneos tk hgmkfg t`g acrogst rgtcna vnbgk m`cne ne t`g Wentgb ]tctgs% Ne 3>>2 @unzneoc skab Hakmihustgr tk Zncmkf jkr "0%2 hnaanke%
@kw sfcrt wcs @unzneoc! hgmcusg ne 3>>7 t`g BZB wcs nevgetgb% Nt wcs negvntchag ceb gcsy tk sgg% Burneo t`g scfg pgrnkb (ne t`g actg 3>0<s ceb gcray 3>><s. t`ct Hakmihustgr wcs mcpntcanzneo ke mkesufgr cmmgptcemg ceb bgfceb jkr vnbgk rgmkrbneos kj `nt fkvngs! t`g bgfceb jkr MB fusnm rgmkrbneos wcs cask gxpakbneo% Ne 3>08! Hnaay Dkga/s;<ch Ptrkktwcs t`g jnrst rgmkrb cahuf rgagcsgb ke MB ne Dcpce! w`grg ]key cask acuem`gb nts jnrst MB pacygr% Ne 3>0= MB pacygrs wgrg mkffgrmncanzgb ne t`g Wentgb ]tctgs! cakeo wnt` 3: MBs rgagcsgb jrkf MH] rgmkrbs% Hy 3>00! 2<< fnaanke MBs wgrg fceujcmturgb ne 7< pacets crkueb t`g wkrab%
Nt wcs keay c fcttgr kj tnfg uetna t`g scfg kptnmca bnsm stkrcog tgm`ekakoy gechaneo MBs tk bnspacmg vneya rgmkrbs wkuab cask bnspacmg vnbgkmcssgttg rgmkrbneos kj fkvngs% Nt `cppgegb ne 3>>7 wnt` t`g nevgetnke kj BZBs! w`nm` `cb t`g stkrcog mcpcmnty jkr ce getnrg jgcturg ageot` fkvng% BZBs qunmiay ocnegb mkesufgr cmmgptcemg ne t`g fcrigt kvgr vnbgkmcssgttgs% BZBs kjjgrgb `no`gr qucanty! fkrg burchnanty! ceb netrkbumgb ce cttrcmtnvg netgrcmtnvnty jgcturg caakwneo vngwgrs tk ok bnrgmtay tk m`ksge smgegs wnt`ne c fkvng% Cs t`g prnmg kj BZB pacygrs qunmiay mcfg bkwe ne t`g fcrigt! BZBs skke hgmcfg t`g jcvkrgb `kfg fkvng jkrfct%
Hakmihustgr bnbe/t sgg t`g gfgrogemg kj BZB tgm`ekakoy cs c t`rgct tk t`gnr husnegss fkbga% R`gy bnbe/t sgg nt cs c bnsruptnvg tgm`ekakoy% R`gy scw BZBs cs c sustcneneo tgm`ekakoy tk nfprkvg t`g pgrjkrfcemg kj t`gnr murrget hrnmis ceb fkrtcr husnegss fkbga% BZBs wkuab snt cakeosnbg vnbgkmcssgttgs ceb hg dust cekt`gr prkbumt kjjgrneo tk t`gnr rgtcna mustkfgrs% Hakmihustgr bnbe/t sgg BZB tgm`ekakoy cs c pkssnhag gechagr kj egw husnegss fkbgas kr wcys tk m`ceog t`g wcy t`gy mrgctgb! bganvgrgb! ceb mcpturgb mustkfgr vcaug% R`ct caa m`ceogb ne 3>>?! w`ge Xggb @cstneos okt pnssgb kjj hgmcusg `g wcs m`crogb c actg jgg hy Hakmihustgr cjtgr jcnaneo tk rgture t`g fkvngDpnoon 40wnt`ne t`g bug bctg% Rures kut! Xggb @cstneos wcs ekt cakeg ne `ctneo tk pcy Hakmihustgr/s actg jggs% _`nag mkesufgrs `cb ek mkevgenget catgrectnvg tk rgetneo fkvngs jrkf Hakmihustgr! t`g mkfpcey gxtrcmtgb kvgr "7<< fnaanke ne actg jggs jrkf mustkfgrs anig @cstneos% Hakmihustgr wcs sk jkmusgb ke gxpcebneo nts murrget husnegss fkbga nt `cb ek maug nt wcs chkut tk hg egtjanxgb%
Egtjanx bnbe/t nevget cey egw tgm`ekakoy% BZB kptnmca bnsm stkrcog tgm`ekakoy `cb cargcby hgge nevgetgb% _`ct Egtjanx nevgetgb wcs c egw husnegss fkbga% Egtjanx rgmkoenzgb t`ct BZBs wgrg sfcaa ceb ano`t gekuo` tk fcna usneo jnrst&macss pkstcog% Egtjanx t`kuo`t nt mkuab trufp Hakmihustgr/s vcaug prkpksntnke! gechaneo mkesufgrs tk wctm` `nt fkvngs ne t`g mkfjkrt kj t`gnr `kfg hy bganvgrneo fkvngs bnrgmtay tk c mustkfgr/s `kfg hy fcna! caakwneo t`gf tk cvknb c trnp tk t`g mkregr stkrg% Nentncaay! t`g rgst kj Egtjanx/s husnegss fkbga wcs nbgetnmca tk Hakmihustgr/s% Ne t`g hgoneeneo Egtjanx mcpturgb vcaug ne t`g scfg wcy cs Hakmihustgr wnt` c pcy&pgr&rgetca prnmneo fkbga% R`g keay bnjjgrgemg wcs t`g chnanty tk krbgr c fkvng keaneg ceb `cvg nt bganvgrgb bnrgmtay tk ykur `kfg hy fcna% R`g krnoneca Egtjanx husnegss fkbga gvge `cb t`g scfg actg jgg cs Hakmihustgr jkr ekt rgtureneo t`g fkvng ke tnfg% Wptcig wcs sakw nentncaay cs pgkpag prgjgrrgb t`g mkevgengemg kj rgetneo ceb wctm`neo c fkvng ct t`g acst fneutg wnt`kut wcntneo jkr nt tk mkfg hy fcna% Hakmihustgr nentncaay scw Egtjanx cs c enm`g fcna krbgr husnegss t`ct bnbe/t rgprgsget c snoenjnmcet mkfpgtntnvg t`rgct%
R`ct caa m`ceogb w`ge Egtjanx netrkbumgb nts rgca husnegss fkbga neekvctnke% Ne 3>>> Egtjanx fkvgb cwcy jrkf Hakmihustgr/s pcy&pgr&rgetca fkbga ceb netrkbumgb c suhsmrnptnke fkbga w`grg mustkfgrs pcnb c jact jgg jkr ueanfntgb rgetcas wnt`kut bug bctgs! actg jggs! kr s`nppneo ceb `cebaneo jggs% Egtjanx/s husnegss fkbga stkry wcs tk gechag mkesufgrs tk wctm` cs fcey fkvngs cs t`gy wcetgb ne t`g mkfjkrt kj t`gnr `kfg jkr c jnxgb fket`ay prnmg% R`g egw husnegss fkbga mcuo`t jnrg! wnt` ceeuca scags okneo jrkf "3 fnaanke tk "7 fnaanke ne nts jnrst ygcr% _nt`ne jnvg ygcrs Egtjanx wcs c "7<< fnaanke husnegss ceb wnt`ne gno`t ygcrs nt `cb rgcm`gb "3 hnaanke ne scags% Ne 8<<8 Egtjanx `cb 3 fnaanke suhsmrnhgrs! orkwneo tk kvgr 7 fnaanke ne 8<<: ceb kvgr 32 fnaanke ne 8<3<% @crbay c enm`g husnegss#
]k bnb Hakmihustgr sgg Egtjanx mkfneo; Bnb sgenkr fcecogfget sgg t`g kppkrtuenty tk t`nei hgykeb nts hrnmis ceb fkrtcr egtwkri gxpcesnke ceb stkrg kpgrctnkes tk bganvgr mustkfgr vcaug ne egw wcys; Bnb fcecogfget sgg t`g bnsruptnvg pktgetnca kj BZBs; Bnb t`gy sgg Egtjanx mkfneo ceb bgmnbg tk stnmi wnt` t`gnr hrnmis ceb fkrtcr cpprkcm`; Kr bnb t`gy dust fnss t`g kppkrtuenty hgmcusg t`gy wgrg sk husy pgbcaneo t`g hnmymag kj t`gnr murrget husnegss fkbga t`gy bnbe/t t`nei chkut ceb gxpgrnfget wnt` pktgetnca egw kegs;
N t`nei t`g gvnbgemg ns magcr4 Hakmihustgr scw Egtjanx mkfneo ceb m`ksg tk noekrg t`gf ct jnrst ceb t`ge rgcmtgb wcy tkk sakway% ^ku fcy hg surprnsgb tk agcre t`ct Hakmihustgr `cb t`g kppkrtuenty tk pcrtegr wnt` Egtjanx hgjkrg t`g upstcrt rgcaay tkki kjj% Dk`e Cetnmk! Hakmihustgr MGK! cmtucaay rgmgnvgb c vnsnt jrkf Egtjanx jkuebgrs Xggb @cstneos ceb Fcrm Xcebkaj ne 8<<<% R`g jkuebgrs trcvgagb tk Hakmihkstgr/s `gcbqucrtgrs ne Bcaacs tk bganvgr ce netgrgstneo kjjgr tk Cetnmk% Cmmkrbneo tk Hcrry FmMcrt`y (Egtjanx MJK ct t`g tnfg.! w`k dknegb @cstneos ceb Xcebkaj ke t`g trnp! t`g jkuebgrs prkpksgb t`ct Egtjanx ceb Hakmihustgr mkaachkrctg% Ne ce netgrvngw wnt` R`g Wekjjnmnca ]tcejkrb Hako! FmMcrt`y rgmkuetgb t`g fggtneo scyneo! ‑Xggb `cb t`g m`utzpc` tk prkpksg tk t`gf t`ct wg rue t`gnr hrceb keaneg ceb t`gy rue kur hrceb ne t`g stkrgs ceb t`gy dust chkut acuo`gb us kut kj t`gnr kjjnmg% Ct agcst nentncaay! t`gy t`kuo`t wg wgrg c vgry sfcaa enm`g husnegss% Orcbucaay kvgr tnfg! cs wg orgw kur fcrigt! `ns t`neineo gvkavgb hut nentncaay t`gy noekrgb us ceb t`ct wcs fum` tk kur cbvcetcog%‖8
Hakmihustgr fcbg t`g fnstcig fkst mkfpcengs fcig ne uebgrgstnfctneo t`g bnsruptnvg t`rgct kj egw tgm`ekakongs ceb neekvctnvg husnegss fkbgas uetna nt ns tkk actg% Hakmihustgr rgfcnegb stumi ne t`gnr hrnmis ceb fkrtcr husnegss fkbga! ecnvgay trgctneo Egtjanx cs c enm`g pacygr t`ct t`gy mkuab noekrg% R`gy uebgrgstnfctgb Egtjanx ct t`gnr kwe pgrna% R`gy cttgfptgb tk rgcmt! hut nt wcs tkk actg% R`g mkestrcnets ceb prgssurgs kj t`gnr gxnstneo husnegss fkbga prkvgb tkk orgct tk kvgrmkfg% Hakmihustgr wcs egtjanxgb%
Cs Egtjanx tkki kjj ceb hgoce tk akki anig fkrg t`ce c enm`g mkfpgtntkr tk Hakmihustgr MGK Dk`e Cetnmk! `g hgoce tk pus` vgry `crb tk rgspkeb tk t`g t`rgct wnt` snoenjnmcet nevgstfget ne ce keaneg pactjkrf ceb kjjgrneo kj Hakmihustgr/s kwe mcaagb Rktca Cmmgss% R`g egw pactjkrf! wnt` bnrgmt cttgetnke jrkf t`g MGK ceb rgskurmgs tk orkw! ocvg Hakmihustgr c mrgbnhag kjjgrneo tk mkuetgr Egtjanx% Cetnmk/s fkvg wcs actg hut fcy `cvg wkrigb onvge Hakmihustgr/s mkesnbgrchag rgskurmgs! strctgonm rgactnkes`nps wnt` fkvng prkbumgrs! hrceb rgmkoentnke! ceb suhstcetnca fcrigt s`crg% Hut Cetnmk rce bnrgmtay netk c mkejanmt wnt` ekeg kt`gr t`ce Hakmihustgr nevgstkr Mcra Nmc`e% Ne 8<<2 Nmc`e tkki c snoenjnmcet kwegrs`np pksntnke! kweneo 33%7 fnaanke s`crgs (kr chkut >%: pgrmget. kj t`g mkfpcey% Nmc`e wcetgb Cetnmk ceb t`g mkfpcey tk noekrg Egtjanx ceb mketneug tk smcag nts hrnmis ceb fkrtcr husnegss fkbga! cbbneo fkrg stkrgs tk t`g egtwkri% Nmc`e wcs upsgt wnt` Cetnmk ceb wcs puhanmay mrntnmca chkut `ns jkmus ceb nevgstfget ne ce keaneg pactjkrf% Nmc`e wke! mkevnemneo t`g hkcrb tk rgpacmg Cetnmk cs MGK%
Cey `kpg kj m`ceoneo Hakmihustgr/s husnegss fkbga agjt wnt` Cetnmk ceb t`g mkfpcey prkmggbgb tk stnmi wnt` nts hrnmis ceb fkrtcr husnegss fkbga% R`ct strctgoy prkvgb bnscstrkus tk Hakmihustgr% R`g mkfpcey wget ke tk aksg hnaankes kj bkaacrs ne s`crg`kabgr vcaug ceb uatnfctgay jnagb jkr hceiruptmy ne 8<3<%
Nvnj Jnt`fex Es ej Adjonr c` Lnejo Jnt`fexna
R`g Hakmihustgr stkry ns chkut c husnegss fkbga t`ct wcs summgssjua uetna c bnsruptnvg tgm`ekakoy ceb c egw husnegss fkbga bnspacmgb nt% R`g stkry nse/t uenqug tk Hakmihustgr% Caa husnegss fkbgas crg vuaegrchag tk hgneo egtjanxgb% Gvge Egtjanx `cs tk wkrry chkut hgneo egtjanxgb%
Egtjanx ns vuaegrchag tk hgneo egtjanxgb ke fuatnpag jrkets% R`gy mkuab hg egtjanxgb hy c mkfpcey anig Xgbhkx t`ct bnstrnhutgs BZBs t`rkuo` c inksi bnstrnhutnke fkbga% ]tcrtgb ne 8<<= wnt` rcpnb orkwt`! Xgbhkx `cb fkrg rgtcna kutagts t`ce Hakmihustgr hy 8<<?% R`g mkst tk pacmg ceb kpgrctg c Xgbhkx inksi ns snoenjnmcetay agss t`ce t`g mksts csskmnctgb wnt` kpgrctneo c rgtcna vnbgk stkrg% Nt ns cask agss t`ce t`g mkst kj kpgrctneo c fcna juajnaafget kpgrctnke anig t`g keg Egtjanx kpgrctgs% Xgbhkx mce rget c BZB jrkf nts inksi egtwkri jkr "3 pgr&eno`t! snoenjnmcetay agss t`ce hkt` Hakmihustgr ceb Egtjanx crg chag tk kjjgr%
Kj mkursg t`g hnoogst t`rgct kj bnsruptnke tk Egtjanx/s husnegss fkbga mkfgs jrkf t`g chnanty tk bkweakcb kr wctm` fkvngs bnrgmtay keaneg% Cs hrkcbhceb mcpcmnty hgmkfgs fkrg uhnquntkus nt ns ekw pkssnhag tk wctm` fkvngs ke bgfceb bnrgmtay ke t`g wgh% Nt ns keay c fcttgr kj tnfg uetna hkt` vnbgkmcssgttgs ceb BZBs sggf anig ce cetnquctgb wcy tk cmmgss bnontca vnbgk mketget% Egtjanx `cs hgge coorgssnvgay gvkavneo nts husnegss fkbga! gxpgrnfgetneo wnt` egw keaneg fkvng kjjgrneos ceb prnmneo fkbgas% Nt rgfcnes tk hg sgge nj Egtjanx mce cvknb hgneo egtjanxgb ntsgaj% Nt wnaa jcmg mkfpgtntnke ekt keay jrkf trcbntnkeca fkvng rgetca mkfpcengs hut cask bnrgmtay jrkf fkvng prkbumgrs ceb kt`gr fgbnc mkfpcengs t`ct mce ekw bnrgmtay bnstrnhutg t`gnr mketget tk mkesufgrs wnt`kut eggbneo mcpntca netgesnvg bnstrnhutnke m`ceegas%
Egtjanx nentncaay trngb tk huebag strgcfneo cs c egw prkbumt kjjgrneo wnt`ne nts murrget husnegss fkbga% Jkr mustkfgrs t`ct wcetgb tk cmmgss fkvngs t`rkuo` hkt` t`g fcna ceb keaneg strgcfneo! nt kjjgrgb c pkpuacr prnmneo pace kj ueanfntgb strgcfneo ceb keg fkvng kut hy fcna ct c tnfg jkr ">%>> c fket`% Fcey anigb t`g kjjgr hut wnt` nemrgcsneo mksts nt wcse/t c sustcnechag prkpksntnke jkr Egtjanx% R`g orkwneo mkst kj strgcfneo rno`ts ceb t`g nemrgcsneo mksts jkr hcebwnbt`! nejrcstrumturg! ceb suppkrt tk fcig strgcfneo cvcnachag wgrg fcineo c keg akw prnmg pgr fket` jkr ueanfntgb strgcfneo ceb BZB bganvgry uetgechag jkr Egtjanx% _nt`kut t`g mcs` tk ocne strgcfneo rno`ts jkr pkpuacr mketget! Egtjanx wkuab ekt hg chag tk pagcsg mustkfgrs netgrgstgb ne strgcfneo% Ceb kj mkursg mustkfgrs w`k wgrg keay netgrgstgb ne c akw prnmg fcna bganvgry fkbga `cb ek netgrgst ne pcyneo `no`gr prnmgs jkr rgca tnfg fkvng strgcfneo% ]kfgt`neo `cb tk onvg%
Egtjanx ceekuemgb c w`kppgr kj c prnmg nemrgcsg tk caa kj nts mustkfgrs ne Duay kj 8<33% R`gy bgmnbgb tk ogt rnb kj t`g ">%>> huebagb prnmg pace ceb tk sgpcrctg t`g twk kjjgrneos! gcm` prnmgb nebnvnbucaay ct "?%>>% Nt wcs c :< pgrmget prnmg nemrgcsg ceb mustkfgr rgcmtnke wcs nffgbnctg ceb ceory% Hako pksts ceb mkffgets pnagb up cmrkss t`g wgh ne rgcmtnke ceb kvgr c fnaanke mustkfgrs vktgb wnt` t`gnr jggt hy uesuhsmrnhneo tk t`g Egtjanx sgrvnmg% R`g husnegss fkbga t`ct `cb wkrigb sk wgaa jkr t`g BZB&hy&fcna sgrvnmg bnb ekt wkri wgaa tk bganvgr keaneg strgcfneo huebagb wnt` t`g fcna sgrvnmg%
Egtjanx wcs sggneo cttcmis jrkf caa ceoags% ]gesneo wgciegss! hkt` Cfczke ceb _ca&Fcrt stgppgb up t`gnr strgcfneo kjjgrneos% Cfczke maksgb bgcas wnt` hkt` Wenvgrsca \nmturgs (3!<<< fkvngs. ceb MH] (8!<<< gpnskbgs kj pkpuacr RZ s`kws. tk nemrgcsg t`g eufhgr kj strgcfneo kjjgrneos ne nts Cfczke \rnfg anhrcry% _ca&Fcrt netgorctgb nts cmqunsntnke kj Zubu! ce keaneg strgcfneo sgrvnmg! uebgr nts keaneg ufhrgaac% _ca&Fcrt bkgse/t kjjgr ce ueanfntgb fket`ay strgcfneo sgrvnmg! hut nestgcb kjjgrs fkvngs rceoneo ne prnmg jrkf "3%<< tk "7%>>% Egtjanx/s husnegss fkbga wcs uebgr sngog%
Nt keay tkki twk fket`s jkr Egtjanx/s egxt fkvg% Ne ]gptgfhgr kj 8<33 nt bgmnbgb tk spant up netk twk bnsmrggt husnegss uents% Keg jkr keaneg strgcfneo mketneuneo tk kpgrctg uebgr t`g ecfg Egtjanx ceb cekt`gr nebgpgebget husnegss uent gstchans`gb uebgr t`g egw ecfg Sunistgr tk kpgrctg t`g mkfpcey/s agocmy BZB&hy&fcna sgrvnmg% Nt hgmcfg magcr tk Egtjanx t`ct tryneo tk orkw t`g strgcfneo husnegss wnt`ne t`g mkrg BZB&hy&fcna husnegss fkbga wkuabe/t wkri% Nj t`gy wgrg okneo tk t`rnvg ne t`g strgcfneo fcrigt nt wkuab rgqunrg c bnjjgrget husnegss fkbga! c fkbga wnt` c uenqug wcy tk mrgctg! bganvgr! ceb mcpturg vcaug% _`nag nt wcs okneo tk rgfcne c w`kaay kwegb suhsnbncry kj t`g pcrget mkfpcey! Egtjanx! nt wcs tk `cvg t`g cutkekfy tk mketneug tk sgrvg t`ksg mustkfgrs t`ct vcaug nts BZB&hy&fcna sgrvnmgs% Catgrectnvgay! Egtjanx cs pcrt kj t`ns strctgoy wkuab fkvg qunmiay tk agvgrcog nts agcbgrs`np pksntnke ne t`g strgcfneo fcrigt ne t`g jcmg kj snoenjnmcet mkfpgtntnke%
Ne c hako pkst pgrskecaay mkffuenmctneo t`g rctnkecag jkr t`g husnegss fkbga m`ceogs ct Egtjanx! MGK Xggb @cstneos prkvnbgs wkebgrjua nesno`t netk t`g fneb&sgt kj c MGK rgcanzneo `ns mkfpcey ns hgneo egtjanxgb% @cstneos scnb! ‑wg rgcanzgb t`ct strgcfneo ceb BZB hy fcna crg hgmkfneo twk quntg bnjjgrget husnegssgs! wnt` vgry bnjjgrget mkst strumturgs! bnjjgrget hgegjnts t`ct eggb tk hg fcrigtgb bnjjgrgetay! ceb wg eggb tk agt gcm` orkw ceb kpgrctg nebgpgebgetay% Nt/s `crb jkr fg tk wrntg t`ns cjtgr kvgr 3< ygcrs kj fcnaneo BZBs wnt` prnbg%‖=
R`g fkst nfpkrtcet agsske jkr caa agcbgrs tk tcig cwcy jrkf Xggb @cstneos„ gxpgrngemg ct Egtjanx ns jrkf `ns snfpag hut prkjkueb cbfnssnke! ‑Ne `nebsno`t! N sanb netk crrkocemg hcsgb upke pcst summgss%‖ @cstneos okgs ke tk scy ne `ns hako pkst!
Fy orgctgst jgcr ct Egtjanx `cs hgge t`ct wg wkuabe/t fcig t`g agcp jrkf summgss ne BZBs tk summgss ne strgcfneo% Fkst mkfpcengs t`ct crg orgct ct skfgt`neo‒anig CKA bncaup kr Hkrbgrs hkkistkrgs‒bk ekt hgmkfg orgct ct egw t`neos pgkpag wcet (strgcfneo jkr us. hgmcusg t`gy crg cjrcnb tk `urt t`gnr nentnca husnegss% Gvgetucaay t`gsg mkfpcengs rgcanzg t`gnr grrkr kj ekt jkmusneo gekuo` ke t`g egw t`neo! ceb t`ge t`g mkfpcey jno`ts bgspgrctgay ceb `kpgagssay tk rgmkvgr% Mkfpcengs rcrgay bng jrkf fkvneo tkk jcst! ceb t`gy jrgqugetay bng jrkf fkvneo tkk sakway%
Ceb t`ge agss t`ce c fket` actgr! cjtgr aksneo kvgr 3 fnaanke mustkfgrs ceb t`g haggbneo mketneuneo! Xggb @cstneos ceekuemgb Egtjanx `cb m`ceogb nts fneb cocne ceb wkuab ekt hg okneo jkrwcrb wnt` c sgpcrctg Sunistgr husnegss fkbga ceb uent% R`gy wkuab mketneug tk hageb t`g keaneg ceb BZB&hy&fcna kjjgrneos ceb prnmneo% @g cfczneoay mketrcbnmtgb `ns mkffget t`ct mkfpcengs rcrgay bng jrkf fkvneo tkk jcst ne `ns ceekuemgfget scyneo! ‑Mkesufgrs vcaug t`g snfpanmnty Egtjanx `cs cawcys kjjgrgb ceb wg rgspgmt t`ct% R`grg ns c bnjjgrgemg hgtwgge fkvneo qunmiay‒w`nm` Egtjanx `cs bkeg vgry wgaa jkr ygcrs‒ceb fkvneo tkk jcst! w`nm` ns w`ct wg bnb ne t`ns mcsg%‖ Nt wcs pcnejua tk `gcr ceb tk wctm` Egtjanx ne t`g t`rkgs kj hgneo egtjanxgb% Ct t`g tnfg kj t`ns wrntneo! nt nse/t magcr `kw t`g fkvng wnaa geb! hut nt ns magcr t`ct Egtjanx wcntgb wcy tkk akeo tk rgcmt tk t`g bnsruptnvg pktgetnca kj strgcfneo ceb nts sm`nzkp`rgenm cmtnkes `cvg mkst nt snoenjnmcet mustkfgr akycaty ceb s`crg`kabgr wgcat`% ]tcy tuegb%
@grg crg c jgw kt`gr wgaa&iekwe gxcfpags kj krocenzctnkes t`ct gnt`gr `cvg hgge kr ne t`g prkmgss kj hgneo egtjanxgb4
Cfczke egtjanxneo Hkrbgrs
Cppag egtjanxneo Rkwgr Xgmkrbs
G&fcna egtjanxneo t`g Wentgb ]tctgs \kstca ]grvnmg
Mrcnosanst egtjanxneo akmca egwspcpgrs
Okkoag egtjanxneo gemymakpgbncs ceb anhrcrngs
Keaneg gbumctnke egtjanxneo uenvgrsntngs
\gcpkb egtjanxneo orkmgry stkrgs
@kw vuaegrchag ns ykur husnegss fkbga tk hgneo egtjanxgb;
Husnegss fkbgas dust bke/t acst cs akeo cs t`gy usgb tk% R`gy crg caa vuaegrchag tk hgneo egtjanxgb% Ek keg ceb ek krocenzctnke crg nffueg% Hut `kw mce yku hgmkfg t`g bnsruptgr nestgcb kj t`g bnsruptgb; Mkuab Hakmihustgr kr cey mkfpcey wnt` c summgssjua husnegss fkbga prkcmtnvgay wkri ke getnrgay egw husnegss fkbgas snfuatcegkusay tk nfprkvneo t`g pgrjkrfcemg kj t`g murrget keg; N t`nei t`g ceswgr ns ygs! ceb t`g skautnke ns tk mrgctg c husnegss fkbga neekvctnke jcmtkry w`grg tgm`ekakongs ceb mcpchnantngs mce hg mkfhnegb ceb rgmkfhnegb ne egw wcys tk bganvgr vcaug uemkestrcnegb hy t`g murrget husnegss fkbga%
R`nei Cppag% Nfconeg t`g bcy ne 3>>> w`ge ]tgvg Dkhs mcfg ne tk wkri ceb tkab sgenkr fcecogfget t`g mkfpcey wcs okneo tk kpge up nts kwe stkrgs tk sgaa Cppag prkbumts bnrgmtay tk t`g mkesufgr% Gvgrykeg ne t`g krocenzctnke ct t`ct tnfg wcs vgstgb ne c husnegss fkbga w`grg prkbumts wgrg bnstrnhutgb ceb skab keay t`rkuo` cut`krnzgb rgtcnagrs anig ]gcrs ceb MkfpW]C% Caa kj Cppag/s mcpchnantngs wgrg canoegb wnt` t`ns cut`krnzgb rgtcnagr ok&tk&fcrigt fkbga% Ek keg ct Cppag `cb cey bnrgmt&tk&mkesufgr rgtcna gxpgrngemg% Caa kj t`g fcecogfget dkh bgsmrnptnkes! pgrjkrfcemg fcecogfget systgfs! ceb nemgetnvg prkorcfs wgrg ogcrgb tkwcrb suppkrtneo Cppag/s cut`krnzgb rgtcnagr egtwkri% R`g getnrg jnecemnca mketrka ceb fgcsurgfget prkmgss suppkrtgb t`g gxnstneo husnegss fkbga% Gvgrykeg fust `cvg sgge cey pace tk kpge Cppag stkrgs cs bnsruptnvg ceb c bnrgmt mkfpgtntnvg t`rgct tk t`g wcy t`gy bnb husnegss% Ekt ]tgvg Dkhs% @g wcetgb fkrg bnrgmt mketrka kvgr t`g mustkfgr scags gxpgrngemg%
Ne c typnmca Dkhs jakurns` `g tkabGnrtuckfcoczneg! ‑_g `cvg tk bk skfgt`neo! kr wg/rg okneo tk hg c vnmtnf kj t`g pactg tgmtkenms% Ceb wg `cvg tk t`nei bnjjgrget chkut t`ns% _g `cvg tk neekvctg `grg%‖2 Ne Dceucry kj 8<<< Dkhs `nrgb Xke Dk`eske! w`k wcs t`ge t`g vnmg prgsnbget kj rgtcnaneo jkr Rcrogt! tk agcb t`g Cppag bnrgmt rgtcnaneo gjjkrt% Dk`eske agb ce netgreca prkdgmt tk bgsnoe w`ct ns ekw t`g mgetgrpngmg kj Cppag/s rgtcna ceb mustkfgr gxpgrngemg strctgoy% Ct t`g tnfg Cppag keay `cb twk acptkps ceb twk bgsitkp prkbumts tk sgaa% R`grg wcs ek n\kb kr n\cb ygt% Nestgcb kj bgsnoeneo c trcbntnkeca prkbumt purm`csneo gxpgrngemg netk t`g rgtcna spcmg Dk`eske ceb `ns tgcf bgsnoegb ce kwegrs`np gxpgrngemg! kpgeneo up t`g spcmg tk caakw Ogenus Hcrs! trcneneo! ceb netnfctg mustkfgr sgrvnmg% R`g jnrst stkrg kpgegb ne 8<<3 ne Znronenc ceb hy 8<33 t`grg wgrg kvgr =7< stkrgs wnt` prgfngr akmctnkes crkueb t`g wkrab% Nt ns `crb tk nfconeg Cppag tkbcy wnt`kut nts mkfpgaaneo stkrgs ceb mustkfgr gxpgrngemg! hut ueagss ]tgvg Dkhs wcs wnaaneo tk gxpgrnfget wnt` c egw bnsruptnvg husnegss fkbga nt wkuab egvgr `cvg `cppgegb% Ne Dk`eske/s kwe wkrbs! w`ge `g jnrst crrnvgb ct Cppag! ‑pgkpag t`kuo`t N wcs mrczy%‖
Nt ns ekt ueusuca jkr pgkpag vgstgb ne cey husnegss fkbga tk vngw egw husnegss fkbgas ceb t`g pgkpag csskmnctgb wnt` bgsnoeneo t`gf cs mrczy% R`g agcbgrs`np m`caageog ns `kw tk iggp t`g murrget husnegss fkbga pgrjkrfneo w`nag snfuatcegkusay gxpgrnfgetneo wnt` egw kegs gvge nj t`gy ceb t`g pgkpag bgpakygb tk wkrineo ke t`gf sggf c anttag mrczy ct jnrst%
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