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harscalex99 e\charscalex100\expndtw13 \charscalex99\expndtw0 RBI\charscalex100\
expndtw12 \expndtw0 on\cf0\f0\par\pard\sa18\sl-120 \f0\fs12\par\pard\li100\ri-2
0\sl240\slmult1 \cf0\charscalex99\fs24 t\charscalex100 h\charscalex99 e\charscal
ex100\expndtw93 \expndtw0 b\charscalex99 asis\charscalex100\expndtw94 \expndtw
0 o\charscalex99 f\charscalex100\expndtw93 \charscalex99\expndtw0 e\charscalex1
00 xp\charscalex99 eri\expndtw-1 e\charscalex100\expndtw0 n\charscalex99 ce\char
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charscalex100 d\expndtw95 \charscalex99\expndtw0 a\charscalex100 nd\expndtw92
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100 on\charscalex99 s\charscalex100\expndtw94 \charscalex99\expndtw0 rece\expnd
tw-1 i\charscalex100\expndtw0 v\charscalex99 e\charscalex100 d\expndtw95 \chars
calex99\expndtw0 fr\charscalex100 o\charscalex99 m\charscalex100\expndtw94 \exp
ndtw0 v\charscalex99 ari\charscalex100 ou\charscalex99 s\charscalex100\expndtw92
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dtw0 T\charscalex100 h\charscalex99 e\cf0\charscalex100\f0\par\pard\sa18\sl-120
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ndtw0 c\charscalex100 o\charscalex99 me\cf0\charscalex100\f0\par\pard\sa18\sl-12
0 \f0\fs12\par\pard\li100\ri-20\sl240\slmult1 \cf0\charscalex99\fs24 i\charscale
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scalex99 t\charscalex100 h\charscalex99 e\charscalex100\expndtw1 \charscalex99\
expndtw0 acc\charscalex100 oun\charscalex99 t\expndtw-1 i\charscalex100\expndtw0
ng\expndtw1 \expndtw0 y\charscalex99 ear\charscalex100\expndtw2 \expndtw0 31.
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calex100 d\expndtw15 \expndtw0 by\expndtw16 \charscalex99\expndtw0 t\charscale
x100 h\charscalex99 e\charscalex100\expndtw17 \charscalex99\expndtw1 R\expndtw0
eser\charscalex100 v\charscalex99 e\charscalex100\expndtw15 \charscalex99\expn
dtw1 B\expndtw0 a\charscalex100 nk\expndtw15 \expndtw0 o\charscalex99 f\charsca
lex100\expndtw16 \charscalex99\expndtw0 I\charscalex100 nd\charscalex99 ia\char
scalex100\expndtw17 \charscalex99\expndtw0 i\charscalex100 n\expndtw16 \charsc
alex99\expndtw0 Marc\charscalex100 h,\expndtw18 \expndtw0 1994\expndtw16 \char
scalex99\expndtw0 t\charscalex100 o\expndtw15 \charscalex99\expndtw1 A\expndtw0
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harscalex100\expndtw0 u\charscalex99\expndtw1 t\expndtw0 i\charscalex100 on\char
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20 \charscalex99\expndtw0 t\charscalex100 h\charscalex99 e\charscalex100\expndt
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lex99 -Ba\charscalex100 nk\charscalex99 i\charscalex100 ng\expndtw21 \charscale
x99\expndtw1 F\expndtw0 i\charscalex100 n\charscalex99 a\charscalex100 n\charsca
lex99 c\expndtw-1 i\expndtw0 al\charscalex100\expndtw21 \charscalex99\expndtw0
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charscalex99 i\expndtw-1 e\expndtw0 s\charscalex100\expndtw22 \charscalex99\exp
ndtw0 i\charscalex100 n\expndtw20 \charscalex99\expndtw1 J\charscalex100\expndt
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rd\li100\ri-20\sl240\slmult1 \cf0\fs24 1994\expndtw22 \charscalex99\expndtw0 a\
charscalex100 nd\expndtw23 \charscalex99\expndtw0 t\charscalex100 o\expndtw22
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scalex99 ral\charscalex100\expndtw23 \expndtw0 b\charscalex99 a\charscalex100 n
k\charscalex99 s\charscalex100\expndtw23 \charscalex99\expndtw0 i\charscalex100
n\expndtw21 \charscalex99\expndtw1 M\expndtw0 arc\charscalex100 h,\expndtw22
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lex99 e\charscalex100\expndtw21 \charscalex99\expndtw0 a\charscalex100 dop\char
scalex99 te\charscalex100 d\expndtw24 \charscalex99\expndtw0 t\charscalex100 h\
charscalex99 ese\charscalex100\expndtw21 \expndtw0 gu\charscalex99 i\charscalex
100 d\charscalex99 eli\charscalex100 n\charscalex99\expndtw-1 e\expndtw0 s\chars
calex100\expndtw26 \charscalex99\expndtw0 f\charscalex100 o\charscalex99 r\cf0\
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1 \cf0\charscalex99\fs24 t\charscalex100 h\charscalex99 e\charscalex100\expndtw5
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ndtw4 \expndtw0 o\charscalex99 f\charscalex100\expndtw4 \charscalex99\expndtw0
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calex100 ng\expndtw31 \charscalex99\expndtw0 t\charscalex100 o\expndtw27 \expn
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lex99 i\charscalex100 ng\expndtw29 \charscalex99\expndtw0 f\charscalex100 o\cha
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calex100\expndtw42 \expndtw0 y\charscalex99 ear\charscalex100\expndtw42 \chars
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xpndtw0 31.03.1997.\expndtw42 \charscalex99\expndtw0 T\charscalex100 h\charscal
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harscalex100\expndtw-1 o\charscalex99\expndtw0 wers\charscalex100\expndtw54 \ch
arscalex99\expndtw0 f\charscalex100 o\charscalex99 r\charscalex100\expndtw52 \c
harscalex99\expndtw0 ma\charscalex100 ny\expndtw53 \expndtw0 d\charscalex99 iff
ere\charscalex100 n\charscalex99 t\charscalex100\expndtw55 \expndtw0 pu\charsca
lex99 r\charscalex100 po\charscalex99\expndtw1 s\expndtw-2 e\expndtw0 s\charscal
ex100 .\expndtw54 \charscalex99\expndtw0 F\charscalex100 o\charscalex99 r\chars
calex100\expndtw52 \charscalex99\expndtw0 m\charscalex100 o\charscalex99\expndt
w1 s\expndtw0 t\charscalex100\expndtw53 \charscalex99\expndtw0 c\charscalex100
u\charscalex99\expndtw1 s\expndtw0 t\charscalex100 o\charscalex99 mers\charscale
x100 ,\expndtw53 \expndtw0 b\charscalex99 a\charscalex100 nk\expndtw54 \charsc
alex99\expndtw0 cre\charscalex100 d\charscalex99 it\charscalex100\expndtw53 \ch
arscalex99\expndtw0 is\charscalex100\expndtw54 \charscalex99\expndtw0 t\charsca
lex100 h\charscalex99 e\cf0\charscalex100\f0\par\pard\sa18\sl-120 \f0\fs12\par\p
ard\li100\ri-20\sl240\slmult1 \cf0\fs24 p\charscalex99 rim\expndtw-1 a\expndtw0
r\charscalex100 y\expndtw1 \charscalex99 s\charscalex100\expndtw0 ou\charscalex
99 rce\charscalex100 o\charscalex99 f\charscalex100 \charscalex99 a\charscalex
100 v\charscalex99 ai\expndtw-1 l\expndtw0 a\charscalex100\expndtw1 b\charscalex
99\expndtw0 le\charscalex100\expndtw1 \expndtw0 d\charscalex99 e\charscalex100
b\charscalex99 t\charscalex100\expndtw1 \charscalex99\expndtw0 fi\charscalex100
n\charscalex99 a\charscalex100 n\charscalex99 ci\charscalex100 ng.\cf0\f0\par\p
ard\sl-240 \f0\par\pard\sa18\sl-80 \fs8\par\pard\li820\ri-20\sl240\slmult1 \cf0\
charscalex99\fs24 F\charscalex100 o\charscalex99 r\charscalex100 b\charscalex99
a\charscalex100 nk\charscalex99 s\charscalex100 good \charscalex99 l\charscale
x100 o\charscalex99 a\charscalex100 n\charscalex99 s\charscalex100 \charscalex9
9 are\charscalex100\expndtw2 \charscalex99\expndtw0 t\charscalex100 h\charscale
x99 e\charscalex100 \charscalex99 m\charscalex100 o\charscalex99 st\charscalex1
00\expndtw1 \expndtw0 p\charscalex99 r\charscalex100 o\charscalex99 fita\charsc
alex100 b\charscalex99\expndtw-1 l\expndtw0 e\charscalex100\expndtw1 \charscale
x99\expndtw0 as\expndtw1 s\expndtw0 ets\charscalex100 . \charscalex99 Ret\charsc
alex100 u\charscalex99 r\charscalex100 n\expndtw2 \charscalex99\expndtw0 c\char
scalex100 o\charscalex99 mes\charscalex100 \charscalex99 i\charscalex100 n \cha
rscalex99\expndtw-1 t\charscalex100\expndtw0 h\charscalex99 e\charscalex100\expn
dtw1 \charscalex99\expndtw0 f\charscalex100 o\charscalex99 rm\charscalex100 o\
charscalex99 f\charscalex100\expndtw60 \charscalex99\expndtw0 l\charscalex100 o
\charscalex99 a\charscalex100 n\cf0\f0\par\pard\sa18\sl-120 \f0\fs12\par\pard\li
100\ri-20\sl240\slmult1 \cf0\charscalex99\fs24 i\charscalex100 n\charscalex99 t\
expndtw-1 e\expndtw0 rest,\charscalex100\expndtw51 \charscalex99\expndtw0 fee\c
harscalex100\expndtw52 \charscalex99\expndtw0 i\charscalex100 n\charscalex99 c\
charscalex100 o\charscalex99 me\charscalex100\expndtw50 \charscalex99\expndtw0
a\charscalex100 nd\expndtw50 \charscalex99\expndtw0 i\charscalex100 nv\charscal
ex99 estme\charscalex100 n\charscalex99 t\charscalex100\expndtw52 \charscalex99
\expndtw0 a\charscalex100 nd\expndtw50 \charscalex99\expndtw0 t\charscalex100 h
\charscalex99 e\charscalex100\expndtw51 \charscalex99\expndtw0 m\charscalex100
o\charscalex99 st\charscalex100\expndtw50 \expndtw0 p\charscalex99 r\charscalex
100 o\charscalex99 mi\charscalex100 n\charscalex99\expndtw-1 e\charscalex100\exp
ndtw0 n\charscalex99 t\charscalex100\expndtw51 \charscalex99\expndtw0 a\expndtw
1 s\expndtw0 s\charscalex100 u\charscalex99 me\charscalex100 d\expndtw49 \chars
calex99\expndtw0 ri\expndtw1 s\charscalex100\expndtw0 k\expndtw50 \charscalex99
\expndtw0 is\charscalex100\expndtw50 \charscalex99\expndtw0 cre\charscalex100 d
\charscalex99 it\charscalex100\expndtw52 \charscalex99\expndtw0 ri\expndtw1 s\c
harscalex100\expndtw0 k.\cf0\f0\par\pard\sa18\sl-120 \f0\fs12\par\pard\li100\ri-
20\sl240\slmult1 \cf0\charscalex99\fs24 Cre\charscalex100 d\charscalex99 it\char

scalex100\expndtw110 \charscalex99\expndtw0 ri\expndtw1 s\charscalex100\expndtw
0 k\expndtw108 \charscalex99\expndtw0 i\charscalex100 nvo\charscalex99 l\charsc
alex100 v\charscalex99\expndtw-1 e\expndtw0 s\charscalex100\expndtw110 \charsca
lex99\expndtw0 i\charscalex100 n\charscalex99 a\charscalex100 b\charscalex99 i\e
xpndtw-1 l\expndtw1 i\expndtw0 t\charscalex100 y\expndtw111 \expndtw0 o\charsca
lex99 r\charscalex100\expndtw108 \expndtw0 un\charscalex99\expndtw1 w\expndtw0
il\expndtw-1 l\expndtw0 i\charscalex100 ngn\charscalex99 ess\charscalex100\expnd
tw110 \expndtw0 o\charscalex99 f\charscalex100\expndtw110 \charscalex99\expndt
w0 c\charscalex100 u\charscalex99\expndtw1 s\expndtw0 t\charscalex100 o\charscal
ex99 m\expndtw-1 e\expndtw0 r\charscalex100\expndtw109 \expndtw0 o\charscalex99
r\charscalex100\expndtw110 \charscalex99\expndtw0 c\charscalex100 oun\charscal
ex99 ter\charscalex100 p\charscalex99 art\charscalex100\expndtw111 \charscalex9
9\expndtw0 t\charscalex100 o\expndtw107 \charscalex99\expndtw0 meet\cf0\charsca
lex100\f0\par\pard\sa18\sl-120 \f0\fs12\par\pard\li100\ri-20\sl240\slmult1 \cf0\
charscalex99\fs24 c\charscalex100 o\charscalex99 m\expndtw-1 m\expndtw0 itme\cha
rscalex100 n\charscalex99 ts\charscalex100\expndtw42 \charscalex99\expndtw0 i\c
harscalex100 n\expndtw39 \charscalex99\expndtw0 rela\expndtw-1 t\expndtw0 i\cha
rscalex100 on\expndtw41 \charscalex99\expndtw0 t\charscalex100 o\expndtw39 \ch
arscalex99\expndtw0 le\charscalex100 nd\charscalex99 i\charscalex100 ng\expndtw3
9 \expndtw0 on\charscalex99 ce\charscalex100\expndtw39 \charscalex99\expndtw0
a\charscalex100\expndtw40 \charscalex99\expndtw0 l\charscalex100 o\charscalex99
a\charscalex100 n\expndtw39 \charscalex99\expndtw0 is\charscalex100\expndtw38
\expndtw0 ov\charscalex99 er\charscalex100 du\charscalex99 e\charscalex100\expn
dtw40 \charscalex99\expndtw0 a\charscalex100 nd\expndtw39 \charscalex99\expndt
w0 ceases\charscalex100\expndtw41 \charscalex99\expndtw0 t\charscalex100 o\expn
dtw39 \expndtw0 y\charscalex99 iel\charscalex100 d\expndtw39 \charscalex99\exp
ndtw0 i\charscalex100 n\charscalex99 c\charscalex100 o\charscalex99\expndtw-1 m\
expndtw0 e\charscalex100\expndtw41 \charscalex99\expndtw0 it\cf0\charscalex100\
f0\par\pard\sa18\sl-120 \f0\fs12\par\pard\li100\ri-20\sl240\slmult1 \cf0\charsca
lex99\fs24 w\charscalex100 ou\charscalex99 l\charscalex100 d b\charscalex99 ec\c
harscalex100 o\charscalex99 me\charscalex100 \charscalex99 a\charscalex100\expn
dtw2 \charscalex99\expndtw0 N\charscalex100 on \charscalex99 Perf\charscalex100
o\charscalex99 rm\expndtw-1 i\charscalex100\expndtw0 ng\expndtw1 \charscalex99
\expndtw0 Asset\charscalex100 .\cf0\f0\par\pard\sl-240 \f0\par\pard\sa18\sl-80 \
fs8\par\pard\li174\ri-20\sl240\slmult1 \cf0\charscalex99\fs24 Pr\charscalex100 o
p\charscalex99 er\charscalex100\expndtw14 \charscalex99\expndtw0 ma\charscalex1
00 n\charscalex99 a\charscalex100 g\charscalex99 e\expndtw-1 m\expndtw0 e\charsc
alex100\expndtw1 n\charscalex99\expndtw0 t\charscalex100\expndtw16 \charscalex9
9\expndtw0 a\charscalex100 nd\expndtw15 \charscalex99\expndtw0 s\charscalex100
p\charscalex99\expndtw-1 e\expndtw0 e\charscalex100 dy\expndtw15 \expndtw0 d\ch
arscalex99 is\charscalex100 p\expndtw-1 o\charscalex99\expndtw0 sal\charscalex10
0\expndtw15 \expndtw0 o\charscalex99 f\charscalex100\expndtw14 \charscalex99\e
xpndtw0 NPAs\charscalex100\expndtw15 \charscalex99\expndtw0 is\charscalex100\ex
pndtw14 \expndtw0 on\charscalex99 e\charscalex100\expndtw14 \expndtw0 o\charsc
alex99 f\charscalex100\expndtw14 \charscalex99\expndtw0 t\charscalex100 h\chars
calex99 e\charscalex100\expndtw15 \charscalex99\expndtw0 m\charscalex100 o\char
scalex99 st\charscalex100\expndtw13 \charscalex99\expndtw0 criti\expndtw-1 c\ex
pndtw0 al\charscalex100\expndtw17 \charscalex99\expndtw0 tas\charscalex100 k\ch
arscalex99 s\charscalex100\expndtw14 \expndtw0 o\charscalex99 f\charscalex100\e
xpndtw14 \expndtw0 b\charscalex99 a\charscalex100 nk\charscalex99 s\cf0\charsca
charscalex99\fs24 t\charscalex100 od\charscalex99 a\charscalex100 y.\expndtw61
\charscalex99\expndtw0 T\charscalex100 h\charscalex99 e\charscalex100 p\charsca
lex99 r\charscalex100 ob\charscalex99 l\expndtw-1 e\expndtw0 m\charscalex100\exp
ndtw1 \expndtw0 o\charscalex99 f\charscalex100 \charscalex99 N\charscalex100 o
n \charscalex99\expndtw1 P\expndtw0 erf\charscalex100 o\charscalex99 rmi\charsca
lex100 ng\expndtw1 \charscalex99\expndtw-1 A\expndtw0 s\expndtw1 s\expndtw0 ets
\charscalex100 \charscalex99 [NPA\expndtw1 s\expndtw0 ]\charscalex100 \charsca
lex99 i\charscalex100 n b\charscalex99 a\charscalex100 nk\charscalex99 s\charsca
lex100 \charscalex99 a\charscalex100 nd \charscalex99 fi\charscalex100 n\charsc

alex99 a\charscalex100 n\charscalex99\expndtw-1 c\expndtw0 ial\charscalex100\exp
ndtw2 \charscalex99\expndtw0 i\charscalex100 n\charscalex99\expndtw1 s\expndtw0
ti\expndtw-1 t\charscalex100\expndtw0 u\charscalex99 t\expndtw-1 i\charscalex10
0\expndtw0 on\charscalex99 s\charscalex100\expndtw2 \expndtw0 h\charscalex99 as
\cf0\charscalex100\f0\par\pard\sa18\sl-120 \f0\fs12\par\pard\li100\ri-20\sl240\s
lmult1 \cf0\fs24 b\charscalex99 ee\charscalex100 n\expndtw1 \charscalex99\expnd
tw0 a\charscalex100 \charscalex99 ma\expndtw-1 t\expndtw0 ter\charscalex100\exp
ndtw3 \expndtw0 o\charscalex99 f\charscalex100 g\charscalex99 ra\charscalex100
v\charscalex99 e\charscalex100 \charscalex99 c\charscalex100 on\charscalex99 c
er\charscalex100 n\expndtw1 \expndtw0 no\charscalex99 t\charscalex100 on\chars
calex99 l\charscalex100 y \charscalex99 f\charscalex100 o\charscalex99 r\charsca
lex100 \charscalex99\expndtw-1 t\charscalex100\expndtw0 h\charscalex99 e\charsc
alex100\expndtw1 \expndtw0 b\charscalex99 a\charscalex100 nk\charscalex99 s\cha
rscalex100 bu\charscalex99 t\charscalex100 \charscalex99 als\charscalex100 o\e
xpndtw2 \charscalex99\expndtw0 t\charscalex100 h\charscalex99 e\charscalex100
\charscalex99 real\charscalex100 \charscalex99 ec\charscalex100 ono\charscalex9
9 m\charscalex100 y\expndtw1 \charscalex99\expndtw0 i\charscalex100 n g\charsca
lex99 e\charscalex100 n\charscalex99 era\expndtw-1 l\charscalex100\expndtw0 ,\ex
pndtw1 \charscalex99\expndtw0 as\cf0\charscalex100\f0\par\pard\sa18\sl-120 \f0\
fs12\par\pard\li100\ri-20\sl240\slmult1 \cf0\charscalex99\fs24 NPAs\charscalex10
0\expndtw2 \charscalex99\expndtw0 ca\charscalex100 n\expndtw2 \charscalex99\ex
pndtw0 c\charscalex100 hok\charscalex99 e\charscalex100\expndtw1 \charscalex99\
expndtw0 f\charscalex100 u\charscalex99 rt\charscalex100 h\charscalex99 er\chars
calex100\expndtw1 \charscalex99\expndtw0 e\charscalex100 xp\charscalex99 a\char
scalex100 n\charscalex99 si\charscalex100 on\expndtw2 \expndtw0 o\charscalex99
f\charscalex100 \charscalex99 cre\charscalex100 d\charscalex99 it\charscalex100
\expndtw2 \charscalex99\expndtw0 w\charscalex100 h\charscalex99 i\expndtw-1 c\c
harscalex100\expndtw0 h\expndtw3 \charscalex99\expndtw0 w\charscalex100 ou\char
scalex99 l\charscalex100 d \charscalex99 im\charscalex100 p\charscalex99 e\chars
calex100 d\charscalex99 e\charscalex100\expndtw3 \charscalex99\expndtw0 t\chars
calex100 h\charscalex99 e\charscalex100\expndtw1 \charscalex99\expndtw0 ec\char
scalex100 ono\charscalex99 mic\charscalex100\expndtw2 \expndtw0 g\charscalex99
r\charscalex100\expndtw-1 o\charscalex99\expndtw0 wt\charscalex100 h\expndtw1 \
expndtw0 o\charscalex99 f\charscalex100\expndtw2 \charscalex99\expndtw0 t\chars
calex100 h\charscalex99 e\cf0\charscalex100\f0\par\pard\sa18\sl-120 \f0\fs12\par
\pard\li100\ri-20\sl240\slmult1 \cf0\charscalex99\fs24 c\charscalex100 oun\chars
calex99 tr\charscalex100 y.\expndtw1 \charscalex99\expndtw0 A\charscalex100 ny\
expndtw2 \expndtw0 bo\charscalex99 ttle\charscalex100 n\charscalex99\expndtw-1
e\expndtw0 c\charscalex100 k\expndtw3 \charscalex99\expndtw0 i\charscalex100 n\
expndtw1 \charscalex99\expndtw0 t\charscalex100 h\charscalex99 e\charscalex100\
expndtw2 \charscalex99\expndtw0 sm\charscalex100 oo\charscalex99 t\charscalex10
0 h\expndtw1 \charscalex99\expndtw0 fl\charscalex100 o\charscalex99 w\charscale
x100\expndtw1 \expndtw0 o\charscalex99 f\charscalex100\expndtw2 \charscalex99\
expndtw0 cre\charscalex100 d\charscalex99 it\charscalex100 \charscalex99 is\cha
rscalex100\expndtw2 \expndtw0 bound \charscalex99 t\charscalex100 o\expndtw2 \
charscalex99\expndtw0 crea\expndtw-1 t\expndtw0 e\charscalex100\expndtw3 \chars
calex99\expndtw0 a\charscalex100 dv\charscalex99 erse\charscalex100\expndtw2 \c
harscalex99\expndtw0 re\charscalex100 p\charscalex99 erc\charscalex100 u\charsca
lex99 s\expndtw1 s\expndtw0 i\charscalex100 on\charscalex99 s\cf0\charscalex100\
lex99\fs24 i\charscalex100 n\expndtw29 \charscalex99\expndtw0 t\charscalex100 h
\charscalex99 e\charscalex100\expndtw27 \charscalex99\expndtw0 ec\charscalex100
ono\charscalex99 m\charscalex100 y.\expndtw29 \charscalex99\expndtw1 N\expndtw
-1 P\expndtw0 As\charscalex100\expndtw29 \charscalex99\expndtw0 are\charscalex1
00\expndtw27 \expndtw0 no\charscalex99 t\charscalex100\expndtw30 \charscalex99
\expndtw0 t\charscalex100 h\charscalex99 eref\charscalex100 o\charscalex99 re\ch
arscalex100\expndtw28 \charscalex99\expndtw0 t\charscalex100 h\charscalex99 e\c
harscalex100\expndtw27 \charscalex99\expndtw0 c\charscalex100 on\charscalex99 c
er\charscalex100 n\expndtw30 \expndtw0 o\charscalex99 f\charscalex100\expndtw28
\expndtw0 on\charscalex99 l\charscalex100 y\expndtw27 \charscalex99\expndtw0

le\charscalex100 nd\charscalex99 ers\charscalex100\expndtw30 \expndtw0 bu\chars
calex99 t\charscalex100\expndtw27 \charscalex99\expndtw0 als\charscalex100 o\ex
pndtw28 \charscalex99\expndtw0 t\charscalex100 h\charscalex99 e\charscalex100\e
xpndtw29 \expndtw0 pub\charscalex99 lic\charscalex100\expndtw28 \charscalex99\
expndtw0 at\cf0\charscalex100\f0\par\pard\sa18\sl-120 \f0\fs12\par\pard\li100\ri
-20\sl240\slmult1 \cf0\charscalex99\fs24 lar\charscalex100 g\charscalex99 e\char
scalex100 .\cf0\f0\par\pard\sl-240 \f0\par\pard\sa18\sl-180 \fs18\par\pard\li100
\ri-20\sl240\slmult1 \cf0\charscalex99\fs24 Gra\charscalex100 n\charscalex99 ti\
charscalex100 ng\expndtw25 \expndtw0 o\charscalex99 f\charscalex100\expndtw24
\charscalex99\expndtw0 cre\charscalex100 d\charscalex99 it\charscalex100\expndtw
24 \charscalex99\expndtw0 f\charscalex100 o\charscalex99 r\charscalex100\expndt
w24 \charscalex99\expndtw0 ec\charscalex100 ono\charscalex99 mic\charscalex100\
expndtw25 \charscalex99\expndtw0 act\expndtw-1 i\charscalex100\expndtw0 v\chars
calex99\expndtw1 i\expndtw0 ti\expndtw-1 e\expndtw0 s\charscalex100\expndtw28 \
charscalex99\expndtw0 is\charscalex100\expndtw24 \charscalex99\expndtw0 t\chars
calex100 h\charscalex99 e\charscalex100\expndtw24 \expndtw0 p\charscalex99 rime
\charscalex100\expndtw24 \expndtw0 du\charscalex99 t\charscalex100 y\expndtw24
\expndtw0 o\charscalex99 f\charscalex100\expndtw24 \expndtw0 b\charscalex99 a\
charscalex100 nk\charscalex99 i\charscalex100 ng.\expndtw25 \charscalex99\expnd
tw1 A\charscalex100\expndtw0 p\charscalex99 art\charscalex100\expndtw23 \charsc
alex99\expndtw0 fr\charscalex100 o\charscalex99 m\charscalex100\expndtw25 \char
scalex99\expndtw0 raisi\charscalex100 ng\cf0\f0\par\pard\sa18\sl-120 \f0\fs12\pa
r\pard\li100\ri-20\sl240\slmult1 \cf0\charscalex99\fs24 res\charscalex100 ou\cha
rscalex99 rces\charscalex100\expndtw52 \charscalex99\expndtw0 t\charscalex100 h
\charscalex99 r\charscalex100 ough\expndtw51 \charscalex99\expndtw0 fre\expndtw
1 s\charscalex100\expndtw0 h\expndtw50 \expndtw0 d\charscalex99 e\charscalex100
po\charscalex99 sits\charscalex100 ,\expndtw52 \expndtw0 bo\charscalex99 rr\ch
arscalex100 o\charscalex99\expndtw1 w\expndtw0 i\charscalex100 ng\charscalex99 s
\charscalex100\expndtw50 \charscalex99\expndtw0 a\charscalex100 nd\expndtw51 \
charscalex99\expndtw0 rec\charscalex100 y\charscalex99 cli\charscalex100 ng\expn
dtw53 \expndtw0 o\charscalex99 f\charscalex100\expndtw50 \charscalex99\expndtw
0 f\charscalex100 und\charscalex99 s\charscalex100\expndtw50 \charscalex99\expn
dtw0 recei\charscalex100 v\charscalex99 e\charscalex100 d\expndtw53 \expndtw0 b
\charscalex99 ac\charscalex100 k\expndtw51 \charscalex99\expndtw0 fr\charscalex
100 o\charscalex99 m\cf0\charscalex100\f0\par\pard\sa18\sl-120 \f0\fs12\par\pard
\li100\ri-20\sl240\slmult1 \cf0\fs24 bo\charscalex99 rr\charscalex100 o\charscal
ex99 wers\charscalex100\expndtw1 \charscalex99\expndtw0 c\charscalex100 on\char
scalex99 stit\charscalex100 u\charscalex99\expndtw-1 t\expndtw0 e\charscalex100\
expndtw1 \charscalex99\expndtw0 a\charscalex100\expndtw2 \charscalex99\expndtw
0 ma\expndtw-1 j\charscalex100\expndtw0 o\charscalex99 r\charscalex100\expndtw2
\expndtw0 p\charscalex99 art\charscalex100 o\charscalex99 f\charscalex100 \ch
arscalex99 f\charscalex100 und\charscalex99\expndtw-1 i\charscalex100\expndtw0 n
g \charscalex99 cre\charscalex100 d\charscalex99\expndtw-1 i\expndtw0 t\charscal
ex100\expndtw3 \expndtw0 d\charscalex99 is\charscalex100 p\charscalex99 e\chars
calex100 n\charscalex99\expndtw1 s\expndtw0 ati\charscalex100 on \charscalex99\e
xpndtw-1 a\expndtw0 ct\expndtw-1 i\charscalex100\expndtw0 v\charscalex99\expndtw
1 i\expndtw0 t\charscalex100 y.\expndtw1 \charscalex99\expndtw0 Le\charscalex10
0 nd\charscalex99 i\charscalex100 ng\expndtw1 \charscalex99\expndtw0 is\charsca
lex100 g\charscalex99 e\charscalex100 n\charscalex99 eral\expndtw-1 l\charscale
x100\expndtw0 y\cf0\f0\par\pard\sa18\sl-120 \f0\fs12\par\pard\li100\ri-20\sl240\
slmult1 \cf0\charscalex99\fs24 e\charscalex100 n\charscalex99 c\charscalex100 ou
\charscalex99 ra\charscalex100 g\charscalex99 e\charscalex100 d\expndtw5 \expnd
tw0 b\charscalex99 eca\charscalex100 u\charscalex99 se\charscalex100\expndtw5 \
charscalex99\expndtw0 it\charscalex100\expndtw5 \expndtw0 h\charscalex99 as\cha
rscalex100\expndtw4 \charscalex99\expndtw0 t\charscalex100 h\charscalex99 e\cha
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dtw0 o\charscalex99 f\charscalex100\expndtw4 \charscalex99\expndtw0 f\charscale
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scalex100 ng\expndtw3 \charscalex99\expndtw0 tra\charscalex100 n\charscalex99 s
ferre\charscalex100 d\expndtw6 \charscalex99\expndtw0 fr\charscalex100 o\charsc

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charscalex100 o\expndtw5 \expndtw0 p\charscalex99 r\charscalex100 odu\charscale
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alex99\expndtw0 w\charscalex100 h\charscalex99 ic\charscalex100 h\expndtw38 \ch
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dtw0 c\charscalex100\expndtw39 \expndtw0 g\charscalex99 r\charscalex100 o\chars
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\charscalex99\expndtw0 i\charscalex100 n\charscalex99 terest\charscalex100\expn
dtw11 \charscalex99\expndtw0 (\expndtw1 S\expndtw0 arfaesi)\charscalex100\expnd
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lex100 g\charscalex99 a\expndtw-1 t\expndtw0 e\charscalex100\expndtw3 \charscal
ex99\expndtw0 t\charscalex100 h\charscalex99 e\charscalex100\expndtw1 \charscal
ex99\expndtw0 ris\charscalex100 k\charscalex99 s\charscalex100\expndtw1 \charsc
alex99\expndtw0 arisi\charscalex100 ng\expndtw3 \charscalex99\expndtw0 fr\chars
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harscalex100 ng\expndtw3 \charscalex99\expndtw0 t\charscalex100 o\expndtw1 \ch
arscalex99\expndtw0 t\charscalex100 h\charscalex99 e\charscalex100\expndtw1 \ch
arscalex99\expndtw0 retail\charscalex100 ,\expndtw2 \charscalex99\expndtw1 s\ex
pndtw0 mall\charscalex100 \charscalex99 a\charscalex100 nd\expndtw2 \charscale
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lt1 \cf0\charscalex99\fs24 e\charscalex100 n\charscalex99 ter\charscalex100 p\ch
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xpndtw-1 t\expndtw0 s\charscalex100 .\cf0\f0\par\sect\sectd\pgwsxn12240\pghsxn15
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r\pard\sa16\sl-60 \fs6\par\pard\li100\ri-20\sl240\slmult1 \b\ul\cf0\charscalex99
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40 \f0\par\pard\sa18\sl-180 \fs18\par\pard\li100\ri-20\sl240\slmult1 \cf0\charsc
alex99\fs24 T\charscalex100 h\charscalex99 e\charscalex100\expndtw45 \charscale
x99\expndtw0 ca\charscalex100 p\expndtw45 \expndtw0 on\expndtw47 \charscalex99
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w0 o\charscalex99\expndtw1 w\charscalex100\expndtw0 n\charscalex99 ers\charscale
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charscalex100\expndtw44 \expndtw0 h\charscalex99 as\charscalex100\expndtw47 \c
harscalex99\expndtw0 alre\expndtw-1 a\charscalex100\expndtw0 dy\expndtw45 \expn
dtw0 b\charscalex99 ee\charscalex100 n\expndtw46 \charscalex99\expndtw0 raise\c
harscalex100 d\expndtw46 \charscalex99\expndtw0 fr\charscalex100 o\charscalex99
m\charscalex100\expndtw46 \expndtw0 49\charscalex99 %\charscalex100\expndtw46
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p\charscalex99 e\expndtw-1 t\expndtw1 i\expndtw0 ti\charscalex100 on\expndtw12
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rscalex100 h\charscalex99 e\charscalex100\expndtw11 \charscalex99\expndtw1 s\ex
pndtw0 ect\charscalex100 o\charscalex99 r\charscalex100\expndtw11 \charscalex99
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g\charscalex99 et\charscalex100\expndtw12 \charscalex99\expndtw0 f\charscalex1
00 u\charscalex99 rt\charscalex100 h\charscalex99 er\charscalex100\expndtw11 \c
harscalex99\expndtw0 i\charscalex100 n\charscalex99 te\charscalex100 n\charscale
x99 sif\expndtw-1 i\expndtw0 e\charscalex100 d\expndtw13 \charscalex99\expndtw0
if\charscalex100\expndtw12 \charscalex99\expndtw0 t\charscalex100 h\charscalex
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2 \charscalex99\expndtw0 ca\charscalex100 p\expndtw11 \expndtw0 on\expndtw11
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ri\charscalex100 gh\charscalex99 ts\charscalex100\expndtw11 \charscalex99\expnd
tw0 is\charscalex100\expndtw13 \charscalex99\expndtw0 als\charscalex100 o\cf0\f
ex99\fs24 rela\charscalex100 x\charscalex99\expndtw-1 e\charscalex100\expndtw0 d
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dtw0 p\charscalex99 ri\charscalex100 v\charscalex99 a\expndtw-1 t\expndtw0 e\cha
rscalex100\expndtw39 \charscalex99\expndtw1 s\expndtw0 ect\charscalex100 o\char
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00 nd\charscalex99 i\charscalex100 ng\expndtw38 \charscalex99\expndtw0 t\charsc
alex100 h\charscalex99 eir\charscalex100\expndtw39 \expndtw0 g\charscalex99 e\c
harscalex100 og\charscalex99 ra\charscalex100 ph\charscalex99 ical\charscalex100
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arscalex99 a\charscalex100 d\charscalex99 s\charscalex100\expndtw22 \charscalex
99\expndtw0 i\charscalex100 n\charscalex99 t\charscalex100 o\expndtw21 \expndtw
0 gov\charscalex99 er\charscalex100 n\charscalex99 me\charscalex100 n\charscalex
99 t\charscalex100\expndtw22 \expndtw0 bu\charscalex99\expndtw1 s\expndtw0 i\ch
arscalex100 n\charscalex99 e\expndtw-1 s\expndtw0 s.\charscalex100\expndtw22 \c
harscalex99\expndtw0 T\charscalex100 h\charscalex99 e\charscalex100\expndtw21 \
expndtw0 n\charscalex99 ew\charscalex100\expndtw21 \expndtw0 p\charscalex99 ri\
charscalex100 v\charscalex99 a\expndtw-1 t\expndtw0 e\charscalex100\expndtw23 \
charscalex99\expndtw0 a\charscalex100 nd\expndtw22 \charscalex99\expndtw0 f\cha
rscalex100 o\charscalex99 rei\charscalex100 gn\expndtw21 \expndtw0 b\charscalex
99 a\charscalex100 nk\charscalex99 s\charscalex100\expndtw21 \charscalex99\expn
dtw1 w\expndtw0 ill\charscalex100\expndtw22 \charscalex99\expndtw0 c\charscalex
100 on\charscalex99 ti\charscalex100 nu\charscalex99 e\charscalex100\expndtw21
\charscalex99\expndtw0 t\charscalex100 o\expndtw21 \expndtw0 g\charscalex99 ai\
charscalex100 n\cf0\f0\par\pard\sa18\sl-120 \f0\fs12\par\pard\li100\ri-20\sl240\
slmult1 \cf0\charscalex99\fs24 mar\charscalex100 k\charscalex99 et\charscalex100
\expndtw4 \charscalex99\expndtw1 s\charscalex100\expndtw0 h\charscalex99 are\ch
arscalex100\expndtw3 \charscalex99\expndtw0 fr\charscalex100 o\charscalex99 m\c
harscalex100\expndtw2 \expndtw0 pub\charscalex99 lic\charscalex100\expndtw4 \c
harscalex99\expndtw1 s\expndtw0 ect\charscalex100 o\charscalex99 r\charscalex100
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100\expndtw2 \expndtw0 b\charscalex99 eca\charscalex100 u\charscalex99 se\chars
calex100\expndtw4 \expndtw0 o\charscalex99 f\charscalex100\expndtw4 \charscale
x99\expndtw0 t\charscalex100 h\charscalex99 eir\charscalex100\expndtw3 \charsca
lex99\expndtw0 effici\expndtw-1 e\charscalex100\expndtw1 n\charscalex99\expndtw0
t\charscalex100\expndtw6 \charscalex99\expndtw0 c\charscalex100 o\charscalex99
st\charscalex100\expndtw2 \charscalex99\expndtw0 str\charscalex100 u\charscale
x99 ct\charscalex100 u\charscalex99 res\charscalex100 ,\expndtw3 \charscalex99\
expndtw0 tec\charscalex100 hno\charscalex99 l\charscalex100 og\charscalex99 ical
lmult1 \cf0\charscalex99\fs24 e\charscalex100 dg\charscalex99 e\charscalex100 ,\
expndtw53 \charscalex99\expndtw0 foc\charscalex100 u\charscalex99 se\charscalex
100 d\expndtw54 \charscalex99\expndtw0 mar\charscalex100 k\charscalex99 et\expn
dtw-1 i\charscalex100\expndtw0 ng\expndtw56 \charscalex99\expndtw0 a\charscalex
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expndtw56 \charscalex99\expndtw-1 H\charscalex100\expndtw0 o\charscalex99 we\ch
arscalex100 v\charscalex99 er\charscalex100 ,\expndtw54 \charscalex99\expndtw0

t\charscalex100 h\charscalex99 e\charscalex100\expndtw53 \charscalex99\expndtw0
emer\charscalex100 g\charscalex99 e\charscalex100 n\charscalex99\expndtw-1 c\ex
pndtw0 e\charscalex100\expndtw55 \expndtw0 o\charscalex99 f\cf0\charscalex100\f
0\par\pard\sa18\sl-120 \f0\fs12\par\pard\li100\ri-20\sl240\slmult1 \cf0\fs24 n\c
harscalex99 ewer\charscalex100\expndtw16 \expndtw0 p\charscalex99 la\charscalex
100 y\charscalex99 ers\charscalex100\expndtw17 \charscalex99\expndtw1 w\charsca
lex100\expndtw0 ou\charscalex99 l\charscalex100 d\expndtw15 \expndtw0 b\charsca
lex99 e\charscalex100\expndtw16 \charscalex99\expndtw0 restricte\charscalex100
d\expndtw19 \charscalex99\expndtw0 if\charscalex100\expndtw15 \charscalex99\ex
pndtw0 t\charscalex100 h\charscalex99 e\charscalex100\expndtw17 \expndtw0 p\cha
rscalex99 ri\charscalex100 v\charscalex99 ate\charscalex100\expndtw16 \expndtw0
o\charscalex99 w\charscalex100 n\charscalex99 ers\charscalex100 h\charscalex99
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w17 \charscalex99\expndtw0 is\charscalex100\expndtw16 \charscalex99\expndtw0 c
a\charscalex100 pp\charscalex99 e\charscalex100 d\expndtw15 \charscalex99\expnd
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lex99 w\charscalex100\expndtw16 \charscalex99\expndtw0 le\charscalex100 v\chars
calex99 els\charscalex100 .\cf0\f0\par\pard\sa18\sl-120 \f0\fs12\par\pard\li100\
ri-20\sl240\slmult1 \cf0\charscalex99\fs24 Mer\charscalex100 g\charscalex99 ers\
charscalex100\expndtw4 \charscalex99\expndtw0 am\charscalex100 ong\expndtw3 \c
harscalex99\expndtw0 PSBs\charscalex100\expndtw2 \charscalex99\expndtw1 w\chars
calex100\expndtw0 ou\charscalex99 l\charscalex100 d\expndtw3 \charscalex99\expn
dtw0 create\charscalex100\expndtw5 \expndtw0 b\charscalex99 a\charscalex100 nk\
charscalex99 s\charscalex100\expndtw2 \charscalex99\expndtw1 w\expndtw0 it\char
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lex99 eets\charscalex100\expndtw4 \charscalex99\expndtw0 a\charscalex100 nd\exp
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st\charscalex100 o\charscalex99 mer\charscalex100\expndtw5 \expndtw0 b\charscal
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w0 p\charscalex99 r\charscalex100 o\charscalex99 ce\expndtw-1 s\expndtw0 s\chars
calex100\expndtw22 \charscalex99\expndtw0 i\charscalex100 n\expndtw24 \charsca
lex99\expndtw-1 s\charscalex100\expndtw0 u\charscalex99 c\charscalex100 h\expndt
w23 \charscalex99\expndtw0 mer\charscalex100 g\charscalex99 ers\charscalex100\e
xpndtw22 \charscalex99\expndtw0 is\charscalex100\expndtw22 \charscalex99\expnd
tw0 e\charscalex100 xp\charscalex99 ecte\charscalex100 d\expndtw23 \charscalex9
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0 p\charscalex99 le\charscalex100 x\expndtw23 \charscalex99\expndtw0 a\charscal
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arscalex100 n.\cf0\f0\par\pard\sl-240 \f0\par\pard\sa18\sl-80 \fs8\par\pard\li10
0\ri-20\sl240\slmult1 \cf0\charscalex99\fs24 T\charscalex100 h\charscalex99 ese\
charscalex100\expndtw29 \charscalex99\expndtw1 w\charscalex100\expndtw0 ou\char
scalex99 l\charscalex100 d\expndtw29 \charscalex99\expndtw0 als\charscalex100 o
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scalex99 ri\charscalex100 v\charscalex99 e\charscalex100 n\expndtw29 \expndtw0
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harscalex100\expndtw28 \expndtw0 du\charscalex99 e\charscalex100\expndtw30 \ch
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scalex100 ov\charscalex99 isi\charscalex100 on\charscalex99 s\charscalex100\expn

0 Ba\charscalex100 nk\charscalex99 i\charscalex100 ng\expndtw29 \charscalex99\e
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charscalex99\expndtw0 (Ac\charscalex100 qu\charscalex99 isiti\charscalex100 on\c
scalex99\fs24 a\charscalex100 nd\expndtw13 \charscalex99\expndtw0 Tra\charscale
x100 n\charscalex99 sfer\charscalex100\expndtw12 \expndtw0 o\charscalex99 f\cha
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xpndtw11 \charscalex99\expndtw0 timi\charscalex100 ng\cf0\f0\par\pard\sa18\sl-1
20 \f0\fs12\par\pard\li100\ri-20\sl240\slmult1 \cf0\charscalex99\fs24 a\charscal
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xpndtw67 \charscalex99\expndtw0 Strate\charscalex100 g\charscalex99\expndtw-1 i
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dtw0 a\charscalex100 n\charscalex99 ces\charscalex100\expndtw67 \expndtw0 b\cha
rscalex99 etwee\charscalex100 n\expndtw66 \expndtw0 b\charscalex99 a\charscalex
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harscalex100\expndtw65 \charscalex99\expndtw0 fi\charscalex100 n\charscalex99 a
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w1 s\expndtw0 ect\charscalex100 o\charscalex99 r\cf0\charscalex100\f0\par\pard\s
a18\sl-120 \f0\fs12\par\pard\li100\ri-20\sl240\slmult1 \cf0\fs24 p\charscalex99
la\charscalex100 y\charscalex99 ers\charscalex100\expndtw31 \charscalex99\expnd
tw1 s\charscalex100\expndtw0 u\charscalex99 c\charscalex100 h\expndtw32 \charsc
alex99\expndtw0 as\charscalex100\expndtw30 \charscalex99\expndtw0 i\charscalex1
00 n\charscalex99\expndtw1 s\charscalex100\expndtw0 u\charscalex99 ra\charscalex
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ex100 o\charscalex99 m\charscalex100 p\charscalex99 a\charscalex100 n\charscalex
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rscalex100 nd\expndtw32 \charscalex99\expndtw0 m\charscalex100 u\charscalex99 t
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f\charscalex100 und\charscalex99 s\charscalex100\expndtw33 \charscalex99\expnd
tw0 are\charscalex100\expndtw31 \charscalex99\expndtw0 als\charscalex100 o\expn
dtw30 \charscalex99\expndtw0 li\charscalex100 k\charscalex99 el\charscalex100 y
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calex99 a\charscalex100 n\expndtw-1 k\charscalex99\expndtw0 s\charscalex100\expn
dtw32 \charscalex99\expndtw0 at\expndtw-1 t\expndtw0 em\charscalex100 p\charsca
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calex99 f\charscalex100\expndtw102 \charscalex99\expndtw0 c\charscalex100 o\cha
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ndtw-1 y\charscalex99\expndtw0 stems\charscalex100 ,\expndtw65 \charscalex99\ex
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harscalex100 v\charscalex99 el\charscalex100\expndtw57 \expndtw0 o\charscalex99
f\charscalex100\expndtw56 \charscalex99\expndtw1 N\expndtw-1 P\expndtw0 As\cf0
t1 \cf0\charscalex99\fs24 si\charscalex100 gn\charscalex99 ific\expndtw-1 a\char
scalex100\expndtw0 n\charscalex99 t\charscalex100\expndtw3 \expndtw0 n\charscal
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scalex100\expndtw0 on\charscalex99 s\charscalex100 h\charscalex99 i\charscalex10
0 p\expndtw4 \charscalex99\expndtw0 wit\charscalex100 h \charscalex99 effi\expn
dtw-1 c\expndtw0 ie\charscalex100 n\charscalex99\expndtw-1 c\charscalex100\expnd
tw0 y\expndtw3 \charscalex99\expndtw0 e\expndtw1 s\expndtw0 tim\expndtw-1 a\exp
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20\sl240\slmult1\tx748 \cf0\charscalex122\f2\fs22 \u-3978?\tab \b\charscalex99\f

0\fs24 Verm\charscalex100 a\b0\expndtw24 \b\charscalex99\expndtw0 (\charscalex1
00 1999\charscalex99 )\b0\charscalex100\expndtw22 \expndtw0 h\charscalex99 as\c
harscalex100\expndtw24 \charscalex99\expndtw0 c\charscalex100 on\charscalex99 c
l\charscalex100 ud\charscalex99 e\charscalex100 d\expndtw23 \charscalex99\expnd
tw0 t\charscalex100 h\charscalex99 at\charscalex100\expndtw25 \expndtw0 h\chars
calex99 i\charscalex100 gh\expndtw23 \charscalex99\expndtw0 le\charscalex100 v\
charscalex99 el\charscalex100\expndtw23 \expndtw0 o\charscalex99 f\charscalex10
0\expndtw24 \charscalex99\expndtw0 NP\expndtw-1 A\expndtw0 s\charscalex100\expn
dtw24 \charscalex99\expndtw0 lea\charscalex100 d\charscalex99 s\charscalex100\e
xpndtw24 \charscalex99\expndtw0 t\charscalex100 o\expndtw23 \expndtw0 op\chars
calex99 erati\charscalex100 on\charscalex99\expndtw-1 a\expndtw0 l\charscalex100
\expndtw25 \charscalex99\expndtw0 fail\charscalex100 u\charscalex99 re\charscal
ex100\expndtw24 \expndtw0 o\charscalex99 f\cf0\charscalex100\f0\par\pard\sa18\s
l-120 \f0\fs12\par\pard\li748\ri-20\sl240\slmult1 \cf0\charscalex99\fs24 the\cha
rscalex100\expndtw1 \expndtw0 b\charscalex99 a\charscalex100 nk.\cf0\f0\par\par
d\sl-140 \f0\fs14\par\pard\li100\ri-20\sl240\slmult1\tx748 \cf0\charscalex122\f2
\fs22 \u-3978?\tab \b\charscalex99\f0\fs24 Ber\charscalex100 g\charscalex99 er\b
0\charscalex100\expndtw27 \b\expndtw0 a\charscalex99 nd\b0\charscalex100\expndt
w27 \b\expndtw0 yo\charscalex99\expndtw-1 u\expndtw0 n\charscalex100 g\b0\expnd
tw25 \b\charscalex99\expndtw0 (\charscalex100 1997\charscalex99 )\b0\charscalex
100\expndtw29 \expndtw0 h\charscalex99 as\charscalex100\expndtw26 \charscalex9
9\expndtw0 e\charscalex100 x\charscalex99 ami\charscalex100 n\charscalex99\expnd
tw-1 e\charscalex100\expndtw0 d\expndtw29 \charscalex99\expndtw0 t\charscalex10
0 h\charscalex99 e\charscalex100\expndtw26 \charscalex99\expndtw0 rela\expndtw1 t\expndtw0 i\charscalex100 on\charscalex99 s\charscalex100 h\charscalex99 i\ch
arscalex100 p\expndtw29 \expndtw0 b\charscalex99 etwee\charscalex100 n\expndtw2
5 \expndtw0 p\charscalex99 r\charscalex100 ob\charscalex99 lem\charscalex100\ex
pndtw27 \charscalex99\expndtw0 l\charscalex100 o\charscalex99 a\charscalex100 n
\expndtw27 \charscalex99\expndtw0 a\charscalex100 nd\cf0\f0\par\pard\sa18\sl-12
0 \f0\fs12\par\pard\li748\ri-20\sl240\slmult1 \cf0\fs24 b\charscalex99 a\charsca
lex100 nk\expndtw25 \charscalex99\expndtw0 efficie\charscalex100 n\charscalex99
\expndtw-1 c\charscalex100\expndtw0 y\expndtw25 \expndtw0 by\expndtw24 \charsc
alex99\expndtw0 em\charscalex100 p\charscalex99 l\charscalex100 oy\charscalex99
i\charscalex100 ng\expndtw24 \charscalex99\expndtw1 G\expndtw0 ra\charscalex100
ng\charscalex99 er\expndtw2 -\expndtw0 ca\charscalex100 u\charscalex99 sali\exp
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\charscalex99\expndtw0 a\charscalex100 nd\expndtw25 \charscalex99\expndtw0 f\c
harscalex100 ound\expndtw24 \charscalex99\expndtw0 t\charscalex100 h\charscalex
99 at\charscalex100\expndtw25 \expndtw0 h\charscalex99 i\charscalex100 gh\expnd
tw23 \charscalex99\expndtw0 le\charscalex100 v\charscalex99 el\cf0\charscalex10
o\charscalex99 f\charscalex100\expndtw17 \expndtw0 p\charscalex99 r\charscalex1
00 ob\charscalex99 lem\charscalex100\expndtw19 \charscalex99\expndtw0 l\charsca
lex100 o\charscalex99 a\charscalex100 n\charscalex99 s\charscalex100\expndtw18
\charscalex99\expndtw0 ca\charscalex100 u\charscalex99 se\charscalex100\expndtw2
0 \expndtw0 b\charscalex99 a\charscalex100 nk\charscalex99 s\charscalex100\expn
0 i\charscalex100 n\charscalex99 cre\expndtw-1 a\expndtw0 se\charscalex100\expnd
tw20 \charscalex99\expndtw-1 s\charscalex100\expndtw0 p\charscalex99 e\charscal
ex100 nd\charscalex99 i\charscalex100 ng\expndtw19 \expndtw0 on\expndtw18 \cha
rscalex99\expndtw0 m\charscalex100 on\charscalex99 i\expndtw-1 t\charscalex100\e
xpndtw0 o\charscalex99 ri\charscalex100 ng,\expndtw19 \charscalex99\expndtw0 w\
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xpndtw18 \expndtw0 ou\charscalex99 t\charscalex100\expndtw20 \charscalex99\exp
ndtw0 a\charscalex100 nd\expndtw17 \charscalex99\expndtw0 /\cf0\charscalex100\f
0\par\pard\sa18\sl-120 \f0\fs12\par\pard\li748\ri-20\sl240\slmult1 \cf0\fs24 o\c
harscalex99 r\charscalex100\expndtw42 \charscalex99\expndtw0 selli\charscalex10
0 ng\expndtw41 \expndtw0 o\charscalex99 ff\charscalex100\expndtw42 \charscalex
99\expndtw0 t\charscalex100 h\charscalex99 ese\charscalex100\expndtw42 \charsca

lex99\expndtw0 l\charscalex100 o\charscalex99 a\charscalex100 n\charscalex99 s\c
harscalex100\expndtw40 \charscalex99\expndtw0 a\charscalex100 nd\expndtw41 \ex
pndtw0 po\charscalex99\expndtw1 ss\expndtw0 i\charscalex100 b\charscalex99 l\cha
rscalex100 y\expndtw41 \expndtw0 b\charscalex99 ec\charscalex100 o\charscalex99
mes\charscalex100\expndtw41 \charscalex99\expndtw0 m\charscalex100 o\charscale
x99 re\charscalex100\expndtw41 \expndtw0 d\charscalex99 ili\charscalex100 g\cha
rscalex99 e\charscalex100 n\charscalex99 t\charscalex100\expndtw42 \charscalex9
9\expndtw0 i\charscalex100 n\expndtw42 \charscalex99\expndtw0 a\charscalex100 d
\charscalex99 mi\charscalex100 n\charscalex99\expndtw-1 i\expndtw0 steri\charsca
lex100 ng\expndtw42 \charscalex99\expndtw0 t\charscalex100 h\charscalex99 e\cf0
t1 \cf0\fs24 po\charscalex99 rti\charscalex100 on o\charscalex99 f\charscalex100
\charscalex99 t\charscalex100 h\charscalex99 eir\charscalex100\expndtw1 \char
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\charscalex99\expndtw0 l\charscalex100 o\charscalex99 a\charscalex100 n po\char
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\expndtw1 \charscalex99\expndtw0 t\charscalex100 h\charscalex99 at\charscalex10
0\expndtw1 \charscalex99\expndtw0 is\charscalex100 \charscalex99 c\charscalex1
00 u\charscalex99 rre\charscalex100 n\charscalex99 tl\charscalex100 y\expndtw1
\expndtw0 p\charscalex99 erf\charscalex100 o\charscalex99 rm\expndtw-1 i\charsca
lex100\expndtw0 ng.\cf0\f0\par\pard\sa2\sl-140 \f0\fs14\par\pard\li100\ri-20\sl2
40\slmult1\tx748 \cf0\charscalex122\f2\fs22 \u-3978?\tab \b\charscalex99\f0\fs24
Gupt\charscalex100 a\b0\expndtw38 \b\charscalex99\expndtw0 (\charscalex100 199
7\charscalex99 )\b0\charscalex100\expndtw36 \expndtw0 h\charscalex99 as\charsca
lex100\expndtw39 \charscalex99\expndtw0 als\charscalex100 o\expndtw36 \charsca
lex99\expndtw0 c\charscalex100 on\charscalex99 cl\charscalex100 ud\charscalex99
e\charscalex100 d\expndtw39 \charscalex99\expndtw0 t\charscalex100 h\charscalex
99 at\charscalex100\expndtw36 \charscalex99\expndtw1 NP\expndtw-1 A\expndtw0 s\
charscalex100\expndtw38 \expndtw0 on\expndtw36 \expndtw0 p\charscalex99 r\char
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l\expndtw0 it\charscalex100 y\expndtw39 \expndtw0 o\charscalex99 f\charscalex10
0\expndtw36 \expndtw0 b\charscalex99 a\charscalex100 nk\charscalex99 s\charscal
ex100\expndtw38 \charscalex99\expndtw0 a\charscalex100 nd\expndtw38 \charscale
x99\expndtw0 lea\charscalex100 d\charscalex99 s\charscalex100\expndtw37 \charsc
alex99\expndtw0 t\charscalex100 o\cf0\f0\par\pard\sa18\sl-120 \f0\fs12\par\pard\
li748\ri-20\sl240\slmult1 \cf0\charscalex99\fs24 li\charscalex100 qu\charscalex9
9\expndtw-1 i\charscalex100\expndtw0 d\charscalex99 i\expndtw-1 t\charscalex100\
expndtw0 y\expndtw3 \charscalex99\expndtw0 cr\charscalex100 un\charscalex99 c\c
harscalex100 h \charscalex99 a\charscalex100 nd\expndtw1 \charscalex99 s\expndt
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ex100 h\charscalex99 e\charscalex100\expndtw1 \expndtw0 g\charscalex99 r\charsc
alex100 o\charscalex99\expndtw1 w\expndtw0 t\charscalex100 h \charscalex99 i\cha
rscalex100 n \charscalex99 G\expndtw-1 D\expndtw0 P\charscalex100 \charscalex99
etc\charscalex100 .\cf0\f0\par\pard\sl-140 \f0\fs14\par\pard\li100\ri-20\sl240\
slmult1\tx816 \cf0\charscalex122\f2\fs22 \u-3978?\tab \b\charscalex99\f0\fs24 K\
charscalex100 av\charscalex99 er\expndtw-1 i\expndtw0 (\charscalex100 1995\chars
calex99 )\b0\charscalex100\expndtw9 \expndtw0 h\charscalex99 as\charscalex100\e
xpndtw8 \charscalex99\expndtw0 als\charscalex100 o\expndtw9 \charscalex99\expn
dtw0 e\charscalex100 x\charscalex99 am\expndtw-1 i\charscalex100\expndtw0 n\char
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harscalex99 e\charscalex100\expndtw7 \charscalex99\expndtw0 im\charscalex100 p\
charscalex99 act\charscalex100\expndtw10 \expndtw0 o\charscalex99 f\charscalex1
00\expndtw8 \charscalex99\expndtw0 NPAs\charscalex100\expndtw9 \expndtw0 on\ex
pndtw8 \expndtw0 p\charscalex99 r\charscalex100 o\charscalex99 fita\charscalex1
00 b\charscalex99\expndtw-1 i\expndtw0 l\expndtw-1 i\expndtw0 t\charscalex100 y\
expndtw11 \expndtw0 by\expndtw8 \charscalex99\expndtw0 ta\charscalex100 k\char
scalex99 i\charscalex100 ng\expndtw9 \expndtw0 p\charscalex99 r\charscalex100 o
\charscalex99 fit\cf0\charscalex100\f0\par\pard\sa18\sl-120 \f0\fs12\par\pard\li
748\ri-20\sl240\slmult1 \cf0\charscalex99\fs24 ma\charscalex100 k\charscalex99\e

xpndtw-1 i\charscalex100\expndtw0 ng\expndtw19 \charscalex99\expndtw0 a\charsca
lex100 nd\expndtw18 \charscalex99\expndtw1 s\expndtw0 i\charscalex100 x\expndtw
17 \charscalex99\expndtw0 l\charscalex100 o\charscalex99 ss\charscalex100\expnd
tw19 \charscalex99\expndtw0 ma\charscalex100 k\charscalex99 i\charscalex100 ng\
expndtw19 \expndtw0 b\charscalex99 a\charscalex100 nk\charscalex99 s\charscalex
9\expndtw0 c\charscalex100 on\charscalex99 cl\charscalex100 ud\charscalex99 e\ch
arscalex100 d\expndtw19 \charscalex99\expndtw0 t\charscalex100 h\charscalex99 a
t\charscalex100\expndtw18 \charscalex99\expndtw0 l\charscalex100 o\charscalex99
\expndtw1 s\expndtw0 s\charscalex100\expndtw18 \charscalex99\expndtw0 ma\charsc
alex100 k\charscalex99 i\charscalex100 ng\expndtw19 \expndtw0 b\charscalex99 a\
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mai\charscalex100 n\charscalex99\expndtw-1 t\expndtw0 a\expndtw-1 i\charscalex10
0\expndtw0 n\charscalex99 e\charscalex100 d\cf0\f0\par\pard\sa18\sl-120 \f0\fs12
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0\expndtw1 \charscalex99\expndtw0 i\charscalex100 n \charscalex99 t\charscalex1
00 h\charscalex99 e\charscalex100 \charscalex99 l\charscalex100 o\charscalex99
a\charscalex100 n po\charscalex99 rtf\charscalex100 o\charscalex99 l\expndtw-1 i
\charscalex100\expndtw0 o\expndtw1 \charscalex99 w\charscalex100\expndtw0 h\cha
rscalex99 ic\charscalex100 h \charscalex99 l\expndtw-1 e\charscalex100\expndtw0
d\expndtw1 \charscalex99\expndtw0 t\charscalex100 h\charscalex99 em\charscalex1
00\expndtw1 \charscalex99\expndtw0 t\charscalex100 o \charscalex99 s\charscalex
100 ho\charscalex99 w\charscalex100\expndtw1 \charscalex99\expndtw0 l\charscale
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\sl-140 \f0\fs14\par\pard\li100\ri-20\sl240\slmult1\tx748 \cf0\charscalex122\f2\
fs22 \u-3978?\tab \b\charscalex99\f0\fs24 Kw\charscalex100 a\charscalex99 n\b0\c
harscalex100\expndtw84 \b\expndtw-1 a\charscalex99\expndtw0 nd\b0\charscalex100
\expndtw84 \b\charscalex99\expndtw0 Ei\expndtw1 s\expndtw0 e\expndtw-1 n\expndt
w0 beis\b0\charscalex100\expndtw84 \b\charscalex99\expndtw0 (\charscalex100 199
4\charscalex99 )\b0\charscalex100\expndtw84 \charscalex99\expndtw0 als\charscal
ex100 o\expndtw84 \charscalex99\expndtw0 c\charscalex100 on\charscalex99 cl\cha
rscalex100 ud\charscalex99\expndtw-1 e\charscalex100\expndtw0 d\expndtw85 \char
scalex99\expndtw0 t\charscalex100 h\charscalex99 at\charscalex100\expndtw83 \ch
arscalex99\expndtw0 t\charscalex100 h\charscalex99 ere\charscalex100\expndtw83
\charscalex99\expndtw0 is\charscalex100\expndtw84 \expndtw0 n\charscalex99 e\ch
arscalex100 g\charscalex99 ati\charscalex100 v\charscalex99 e\charscalex100\expn
dtw85 \charscalex99\expndtw0 rela\expndtw-1 t\expndtw0 i\charscalex100 on\chars
calex99 s\charscalex100 h\charscalex99 i\charscalex100 p\cf0\f0\par\pard\sa18\sl
-120 \f0\fs12\par\pard\li748\ri-20\sl240\slmult1 \cf0\fs24 b\charscalex99 etwee\
charscalex100 n\expndtw1 \charscalex99\expndtw0 effici\expndtw-1 e\charscalex10
0\expndtw0 n\charscalex99 c\charscalex100 y\expndtw3 \charscalex99\expndtw0 a\c
harscalex100 nd p\charscalex99 r\charscalex100 ob\charscalex99 lem\charscalex100
\expndtw1 \charscalex99\expndtw0 l\charscalex100 o\charscalex99 a\charscalex100
n\charscalex99 s\charscalex100 .\cf0\f0\par\pard\sl-140 \f0\fs14\par\pard\li100
\ri-20\sl240\slmult1\tx748 \cf0\charscalex122\f2\fs22 \u-3978?\tab \b\charscalex
99\f0\fs24 T\charscalex100 oo\charscalex99 r\b0\charscalex100\expndtw25 \b\char
scalex99\expndtw0 (\charscalex100 1994\charscalex99 )\b0\charscalex100\expndtw25
\charscalex99\expndtw0 a\charscalex100 n\charscalex99 al\charscalex100 y\chars
calex99 se\charscalex100 d\expndtw25 \charscalex99\expndtw0 t\charscalex100 h\c
harscalex99 at\charscalex100\expndtw23 \expndtw0 poo\charscalex99 r\charscalex1
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lex100 d\charscalex99 s\charscalex100\expndtw26 \charscalex99\expndtw0 t\charsc
alex100 o\expndtw24 \charscalex99\expndtw0 re\charscalex100 du\charscalex99 ct\
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alex100 n\expndtw26 \expndtw0 y\charscalex99 ie\expndtw-1 l\charscalex100\expnd
tw0 d\expndtw23 \expndtw0 on\cf0\f0\par\pard\sa18\sl-120 \f0\fs12\par\pard\li74

8\ri-20\sl240\slmult1 \cf0\charscalex99\fs24 a\charscalex100 dv\charscalex99 a\c
harscalex100 n\charscalex99 ce\charscalex100 d\expndtw45 \charscalex99\expndtw0
t\charscalex100 h\charscalex99 at\charscalex100\expndtw45 \expndtw0 poo\charsc
alex99 r\charscalex100\expndtw44 \charscalex99\expndtw0 rec\charscalex100 ov\ch
arscalex99 er\charscalex100 y\expndtw45 \charscalex99\expndtw0 ma\charscalex100
n\charscalex99 a\charscalex100 g\charscalex99 e\expndtw-1 m\expndtw0 e\charscal
ex100 n\charscalex99 t\charscalex100\expndtw47 \charscalex99\expndtw0 lea\chars
calex100 d\charscalex99 s\charscalex100\expndtw43 \charscalex99\expndtw0 t\char
scalex100 o\expndtw46 \charscalex99\expndtw0 re\charscalex100 du\charscalex99 c
t\expndtw-1 i\charscalex100\expndtw0 on\expndtw46 \charscalex99\expndtw0 i\char
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charscalex100 n\charscalex99 ces\charscalex100 ,\cf0\f0\par\pard\sa18\sl-120 \f0
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du\charscalex99 ce\charscalex100 d\expndtw17 \expndtw0 p\charscalex99 r\charsc
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xpndtw-1 i\expndtw0 es\cf0\charscalex100\f0\par\pard\sa18\sl-120 \f0\fs12\par\pa
rd\li748\ri-20\sl240\slmult1 \cf0\fs24 o\charscalex99 f\charscalex100 \charscal
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harscalex99 a\charscalex100 p\charscalex99 ers\charscalex100 on\cf0\f0\par\pard
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9 f\charscalex100 \charscalex99 i\charscalex100 n\charscalex99 t\expndtw-1 e\ch
arscalex100\expndtw0 g\charscalex99 ri\expndtw-1 t\charscalex100\expndtw0 y\expn
dtw3 \charscalex99\expndtw0 a\charscalex100 nd good \charscalex99 c\charscalex1
00 h\charscalex99 aracter\charscalex100 .\cf0\f0\par\pard\sl-240 \f0\par\pard\sa
18\sl-80 \fs8\par\pard\li460\ri-20\sl240\slmult1\tx820 \cf0\f1\fs20 \u183?\tab \
b\ul\charscalex99\f0\fs24 I\expndtw1 n\charscalex100\expndtw-1 a\charscalex99\ex
pndtw0 ppr\charscalex100 o\charscalex99 pri\charscalex100 a\charscalex99 te\cf3\
charscalex100\expndtw1 \cf0\charscalex99\expndtw0 techn\charscalex100 o\charsca
lex99 l\charscalex100 ogy\cf3\expndtw-1 \b0\ul0\cf0\expndtw0\f0\par\pard\sl-240
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99\fs24 D\charscalex100 u\charscalex99 e\charscalex100 \charscalex99 t\charscal
ex100 o\expndtw1 \charscalex99\expndtw0 i\charscalex100 n\charscalex99 a\charsc
alex100 pp\charscalex99 r\charscalex100 op\charscalex99 riate\charscalex100 \ch
arscalex99 tec\charscalex100 hno\charscalex99 l\charscalex100 ogy\expndtw1 \cha
rscalex99\expndtw0 an\charscalex100 d\expndtw1 \charscalex99\expndtw0 ma\charsc
alex100 n\charscalex99 a\charscalex100 g\charscalex99 em\expndtw-1 e\charscalex1
00\expndtw0 n\charscalex99 t\charscalex100\expndtw3 \charscalex99\expndtw0 i\ch
arscalex100 n\charscalex99 f\charscalex100 o\charscalex99 rma\expndtw-1 t\expndt
w0 i\charscalex100 on\expndtw1 \charscalex99 s\charscalex100\expndtw0 y\charsca
lex99 stem\charscalex100 ,\expndtw1 \charscalex99\expndtw0 mar\charscalex100 k\
charscalex99 et\charscalex100 d\charscalex99 ri\charscalex100 v\charscalex99 e\
charscalex100 n\cf0\f0\par\pard\sa18\sl-120 \f0\fs12\par\pard\li100\ri-20\sl240\
slmult1 \cf0\fs24 d\charscalex99 ecisi\charscalex100 on\charscalex99 s\charscale
x100\expndtw1 \expndtw0 on \charscalex99 real\charscalex100\expndtw1 \charscal
ex99\expndtw0 time\charscalex100\expndtw1 \expndtw0 b\charscalex99 asis\charsca
lex100 \charscalex99 ca\charscalex100 n n\charscalex99 ot\charscalex100\expndtw
1 \expndtw0 b\charscalex99 e\charscalex100 \charscalex99 ta\charscalex100 k\ch
arscalex99 e\charscalex100 n.\expndtw1 \charscalex99\expndtw0 Pr\charscalex100
op\charscalex99\expndtw-1 e\expndtw0 r\charscalex100\expndtw2 \charscalex99\exp
ndtw-1 M\expndtw0 IS\charscalex100 \charscalex99 a\charscalex100 nd \charscalex
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pndtw0 i\expndtw1 a\expndtw0 l\charscalex100\expndtw1 \charscalex99\expndtw0 ac
c\charscalex100 oun\charscalex99 t\expndtw-1 i\charscalex100\expndtw0 ng\expndtw
3 \charscalex99\expndtw0 s\charscalex100 y\charscalex99 stem\charscalex100 \ch
arscalex99 is\cf0\charscalex100\f0\par\pard\sa18\sl-120 \f0\fs12\par\pard\li100\
ri-20\sl240\slmult1 \cf0\fs24 no\charscalex99 t\charscalex100\expndtw1 \charsca
lex99\expndtw0 im\charscalex100 p\charscalex99\expndtw-1 l\expndtw0 eme\charscal
ex100 n\charscalex99 te\charscalex100 d\expndtw2 \charscalex99\expndtw0 i\chars
calex100 n \charscalex99 t\charscalex100 h\charscalex99 e\charscalex100 b\chars
calex99 a\charscalex100 nk\charscalex99\expndtw1 s\charscalex100\expndtw0 , \cha
rscalex99\expndtw1 w\charscalex100\expndtw0 h\charscalex99 ic\charscalex100 h \c
harscalex99\expndtw-1 l\expndtw0 ea\charscalex100 d\charscalex99 s\charscalex100
\expndtw2 \charscalex99\expndtw0 t\charscalex100 o poo\charscalex99 r\charscale
x100 \charscalex99 cre\charscalex100 d\charscalex99\expndtw-1 i\expndtw0 t\char
scalex100\expndtw1 \charscalex99\expndtw0 c\charscalex100 o\charscalex99 l\expn
dtw-1 l\expndtw0 ecti\charscalex100 on,\expndtw2 \charscalex99\expndtw0 t\chars
calex100 hu\charscalex99 s\charscalex100 \charscalex99\expndtw1 N\expndtw-1 P\e

xpndtw0 A\charscalex100 . \charscalex99\expndtw1 A\expndtw0 ll\charscalex100\exp
ndtw1 \charscalex99\expndtw0 t\charscalex100 h\charscalex99 e\cf0\charscalex100
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charscalex100\expndtw1 \expndtw0 o\charscalex99 f\charscalex100 \charscalex99
t\charscalex100 h\charscalex99 e\charscalex100 b\charscalex99 a\charscalex100 n
k\expndtw1 \charscalex99\expndtw0 s\charscalex100 hou\charscalex99\expndtw-1 l\
charscalex100\expndtw0 d\expndtw1 \expndtw0 b\charscalex99 e\charscalex100 \ch
arscalex99 c\charscalex100 o\charscalex99 m\charscalex100 pu\charscalex99 ter\ex
pndtw-1 i\expndtw0 se\charscalex100 d.\cf0\f0\par\pard\sl-240 \f0\par\pard\sa18\
sl-80 \fs8\par\pard\li460\ri-20\sl240\slmult1\tx820 \cf0\f1\fs20 \u183?\tab \b\u
l\charscalex99\f0\fs24 Im\expndtw1 p\expndtw0 r\charscalex100 o\charscalex99 per
\cf3\charscalex100 \cf0\charscalex99 s\expndtw1 w\charscalex100\expndtw0 o\char
scalex99 t\cf3\charscalex100 \cf0\expndtw-1 a\charscalex99\expndtw0 n\charscale
x100 a\charscalex99 l\charscalex100 y\charscalex99 sis\cf3\charscalex100\expndtw
-1 \b0\ul0\cf0\expndtw0\f0\par\pard\sl-240 \f0\par\pard\sa18\sl-80 \fs8\par\par
d\li100\ri-20\sl240\slmult1 \cf0\charscalex99\fs24 T\charscalex100 h\charscalex9
9 e\charscalex100\expndtw1 \charscalex99\expndtw0 im\charscalex100 p\charscalex
99 r\charscalex100 op\charscalex99\expndtw-1 e\expndtw0 r\charscalex100\expndtw2
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charscalex99 wea\charscalex100 kn\charscalex99 es\expndtw1 s\charscalex100\expnd
tw0 , oppo\charscalex99 rt\charscalex100 un\charscalex99 i\expndtw-1 t\charscale
x100\expndtw0 y\expndtw1 \charscalex99\expndtw0 a\charscalex100 nd \charscalex9
9 t\charscalex100 h\charscalex99 reat\charscalex100\expndtw3 \charscalex99\expn
dtw0 a\charscalex100 n\charscalex99 al\charscalex100 y\charscalex99 sis\charscal
ex100 \charscalex99 is\charscalex100 \charscalex99 a\charscalex100 no\charscal
ex99 t\charscalex100 h\charscalex99 er\charscalex100\expndtw1 \charscalex99\exp
ndtw0 reas\charscalex100 on \charscalex99 f\charscalex100 o\charscalex99 r\chars
calex100 \charscalex99 rise\charscalex100 \charscalex99 i\charscalex100 n\cf0\
lex99\fs24 NPAs\charscalex100 . \charscalex99 W\charscalex100 h\charscalex99 ile
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9 i\charscalex100 d\charscalex99 i\charscalex100 ng\expndtw1 \expndtw0 un\chars
calex99 sec\charscalex100 u\charscalex99 re\charscalex100 d \charscalex99 a\char
scalex100 dv\charscalex99 a\charscalex100 n\charscalex99 ces\charscalex100\expnd
tw2 \expndtw0 b\charscalex99 a\charscalex100 n\expndtw-2 k\charscalex99\expndtw
0 s\charscalex100 d\charscalex99 e\charscalex100 p\charscalex99 e\charscalex100
nd\expndtw2 \charscalex99\expndtw0 m\charscalex100 o\charscalex99 re\charscale
x100\expndtw1 \expndtw0 on \charscalex99 t\charscalex100 h\charscalex99 e\chars
calex100 hon\charscalex99 est\charscalex100 y, \charscalex99 i\charscalex100 n\
charscalex99\expndtw-1 t\expndtw0 e\charscalex100 g\charscalex99 r\expndtw-1 i\e
xpndtw0 t\charscalex100 y,\cf0\f0\par\pard\sa18\sl-120 \f0\fs12\par\pard\li100\r
i-20\sl240\slmult1 \cf0\charscalex99\fs24 a\charscalex100 nd\expndtw1 \charscal
ex99\expndtw0 fi\charscalex100 n\charscalex99 a\charscalex100 n\charscalex99 cia
l\charscalex100 \charscalex99\expndtw1 s\charscalex100\expndtw0 oundn\charscale
x99 ess\charscalex100\expndtw1 \charscalex99\expndtw0 a\charscalex100 nd \chars
calex99 cre\charscalex100 d\charscalex99 it\charscalex100 \charscalex99\expndtw
1 w\charscalex100\expndtw0 o\charscalex99 rt\charscalex100 h\charscalex99 i\char
scalex100 n\charscalex99 ess\charscalex100 o\charscalex99 f\charscalex100 \cha
rscalex99 t\charscalex100 h\charscalex99 e\charscalex100 bo\charscalex99 rr\cha
rscalex100 o\charscalex99 wer\charscalex100 . \charscalex99 \u8226?\charscalex10
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rscalex99\expndtw0 s\charscalex100 hou\charscalex99 l\charscalex100 d \charscale
x99 c\charscalex100 on\charscalex99 si\charscalex100 d\charscalex99 er\charscale
x100\expndtw2 \charscalex99\expndtw0 t\charscalex100 h\charscalex99 e\cf0\chars
0\fs24 bo\charscalex99 rr\charscalex100 o\charscalex99 wers\charscalex100\expndt
w1 \expndtw0 o\charscalex99 w\charscalex100 n \charscalex99 ca\charscalex100 p\
charscalex99 ital\charscalex100 \charscalex99 i\charscalex100 nv\charscalex99 e

stme\charscalex100 n\charscalex99 t\charscalex100 .\expndtw3 \charscalex99\expn
dtw0 \u8226?\charscalex100 \charscalex99 it\charscalex100 \charscalex99 s\char
scalex100 hou\charscalex99 l\charscalex100 d \charscalex99 c\charscalex100 o\cha
rscalex99\expndtw-1 l\expndtw0 l\expndtw-1 e\expndtw1 c\expndtw0 t\charscalex100
\expndtw2 \charscalex99\expndtw0 cre\charscalex100 d\charscalex99 it\charscalex
100 \charscalex99 i\charscalex100 n\charscalex99 f\charscalex100 o\charscalex99
rma\expndtw-1 t\expndtw0 i\charscalex100 on\expndtw3 \expndtw0 o\charscalex99
f\charscalex100 \charscalex99 t\charscalex100 h\charscalex99 e\charscalex100\ex
pndtw1 \expndtw0 bo\charscalex99 rr\charscalex100\expndtw-1 o\charscalex99\expn
dtw0 wers\cf0\charscalex100\f0\par\pard\sa18\sl-120 \f0\fs12\par\pard\li100\ri-2
0\sl240\slmult1 \cf0\charscalex99\fs24 fr\charscalex100 o\charscalex99 m\charsca
lex100\expndtw1 \charscalex99\expndtw0 a\charscalex100 . \charscalex99 Fr\chars
calex100 o\charscalex99 m\charscalex100 b\charscalex99 a\charscalex100 nk\chars
calex99 ers\charscalex100 b. \charscalex99 E\charscalex100 nqu\charscalex99 ir\
charscalex100 y\expndtw1 \charscalex99\expndtw0 fr\charscalex100 o\charscalex99
m\charscalex100 \charscalex99 mar\charscalex100 k\charscalex99\expndtw-1 e\exp
ndtw0 t/se\charscalex100 g\charscalex99 me\charscalex100 n\charscalex99 t\charsc
alex100\expndtw2 \expndtw0 o\charscalex99 f\charscalex100 \charscalex99 tra\ch
arscalex100 d\charscalex99 e\charscalex100 ,\expndtw1 \charscalex99\expndtw0 i\
charscalex100 ndu\charscalex99 str\charscalex100 y,\expndtw1 \expndtw0 b\expndt
w-1 u\charscalex99\expndtw0 si\charscalex100 n\charscalex99 es\expndtw1 s\charsc
alex100\expndtw0 . \charscalex99 c\charscalex100 . \charscalex99 Fr\charscalex10
0 o\charscalex99 m\cf0\charscalex100\f0\par\pard\sa18\sl-120 \f0\fs12\par\pard\l
i100\ri-20\sl240\slmult1 \cf0\charscalex99\fs24 e\charscalex100 x\charscalex99 t
er\charscalex100 n\charscalex99\expndtw-1 a\expndtw0 l\charscalex100\expndtw3 \
charscalex99\expndtw0 cre\charscalex100 d\charscalex99 it\charscalex100 \charsc
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charscalex99 e\charscalex100 n\charscalex99 cies\charscalex100 .\expndtw1 \char
scalex99\expndtw0 \u8226?\charscalex100 \charscalex99 A\charscalex100 n\charsca
lex99 a\expndtw-1 l\charscalex100\expndtw0 y\charscalex99 se\charscalex100\expnd
tw1 \expndtw0 b\charscalex99 ala\charscalex100 n\charscalex99 ce\charscalex100
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rscalex99 ess\charscalex100 \charscalex99\expndtw1 w\expndtw0 ill\charscalex100
b\charscalex99 e\cf0\charscalex100\f0\par\pard\sa18\sl-120 \f0\fs12\par\pard\l
i100\ri-20\sl240\slmult1 \cf0\charscalex99\fs24 re\charscalex100 v\charscalex99
ea\expndtw-1 l\expndtw0 e\charscalex100 d\expndtw3 \expndtw0 on \charscalex99 a
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rscalex100 nd b\charscalex99 al\expndtw-1 a\charscalex100\expndtw0 n\charscalex9
9 ce\charscalex100\expndtw1 \charscalex99 s\charscalex100\expndtw0 h\charscalex
99 eet\charscalex100 . \charscalex99 \u8226?\charscalex100 \charscalex99 P\char
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alex100 n\expndtw1 \charscalex99\expndtw0 W\charscalex100 h\charscalex99 e\char
scalex100 n b\charscalex99 an\charscalex100 k\charscalex99 ers\cf0\charscalex100
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ex99\expndtw0 l\charscalex100 o\charscalex99 a\charscalex100 n, h\charscalex99 e
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arscalex99 l\charscalex100 d\expndtw1 \charscalex99\expndtw0 a\charscalex100 n\
charscalex99 al\charscalex100 y\charscalex99 se\charscalex100 \charscalex99 t\c
harscalex100 h\charscalex99 e\charscalex100 pu\charscalex99 r\charscalex100 po\
charscalex99\expndtw1 s\expndtw0 e\charscalex100 o\charscalex99 f\charscalex100

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T\charscalex100 o \charscalex99 e\charscalex100 n\charscalex99 s\charscalex100 u
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x100 y \charscalex99 a\charscalex100 nd \charscalex99\expndtw-1 l\expndtw0 i\cha
rscalex100 qu\charscalex99\expndtw-1 i\charscalex100\expndtw0 d\charscalex99\exp
ndtw1 i\expndtw0 t\charscalex100 y,\expndtw1 \expndtw0 b\charscalex99 a\charsca
lex100 nk\charscalex99 s\cf0\charscalex100\f0\par\pard\sa18\sl-120 \f0\fs12\par\
pard\li100\ri-20\sl240\slmult1 \cf0\charscalex99\fs24 s\charscalex100 hou\charsc
alex99 l\charscalex100 d g\charscalex99 ra\charscalex100 n\charscalex99 t\charsc
alex100\expndtw1 \charscalex99\expndtw0 l\charscalex100 o\charscalex99 a\charsc
alex100 n \charscalex99 f\charscalex100 o\charscalex99 r\charscalex100 p\charsc
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charscalex99 e\charscalex100\expndtw3 \expndtw0 pu\charscalex99 r\charscalex100
p\expndtw-1 o\charscalex99\expndtw0 se\charscalex100\expndtw1 \expndtw0 on\cha
rscalex99 l\charscalex100 y. \charscalex99 Ba\charscalex100 nk \charscalex99 s\c
harscalex100 hou\charscalex99 l\charscalex100 d \charscalex99 a\charscalex100 n\
charscalex99 al\charscalex100 y\charscalex99 se\charscalex100\expndtw1 \charsca
lex99\expndtw0 t\charscalex100 h\charscalex99 e\charscalex100 p\charscalex99 r\
charscalex100 o\charscalex99 fit\expndtw-1 a\charscalex100\expndtw0 b\charscalex
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sa18\sl-120 \f0\fs12\par\pard\li100\ri-20\sl240\slmult1 \cf0\fs24 v\charscalex99
ia\charscalex100 b\charscalex99\expndtw-1 i\expndtw0 lity\charscalex100 ,\expnd
tw2 \charscalex99\expndtw0 l\charscalex100 ong\expndtw1 \charscalex99\expndtw0
term\charscalex100 \charscalex99 a\expndtw-1 c\expndtw0 ce\charscalex100 p\cha
rscalex99 ta\charscalex100 b\charscalex99 i\expndtw1 l\expndtw0 it\charscalex100
y\expndtw1 \expndtw0 o\charscalex99 f\charscalex100 \charscalex99 t\charscale
x100 h\charscalex99 e\charscalex100\expndtw1 \expndtw0 p\charscalex99 r\charsca
lex100 o\charscalex99 ject\charscalex100\expndtw1 \charscalex99 w\charscalex100
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rscalex99 a\charscalex100 n\charscalex99 ci\charscalex100 ng.\cf0\f0\par\pard\sl
-240 \f0\par\pard\sa18\sl-80 \fs8\par\pard\li460\ri-20\sl240\slmult1\tx820 \cf0\
f1\fs20 \u183?\tab \b\ul\charscalex99\f0\fs24 P\charscalex100 oo\charscalex99 r\
cf3\charscalex100\expndtw1 \cf0\charscalex99\expndtw0 credit\cf3\charscalex100\
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9 is\charscalex100 a\charscalex99 l\cf3\charscalex100\expndtw2 \cf0\charscalex9
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tw-1 \b0\ul0\cf0\expndtw0\f0\par\pard\sl-240 \f0\par\pard\sa18\sl-80 \fs8\par\p
ard\li100\ri-20\sl240\slmult1 \cf0\charscalex99\fs24 P\charscalex100 oo\charscal
ex99 r\charscalex100 \charscalex99 cre\charscalex100 d\charscalex99 it\charscal
ex100 \charscalex99 a\charscalex100 pp\charscalex99 raisal\charscalex100\expndt
w1 \charscalex99\expndtw0 is\charscalex100\expndtw1 \charscalex99\expndtw0 a\c
harscalex100 no\charscalex99 t\charscalex100 h\charscalex99 er\charscalex100\exp
ndtw1 \charscalex99\expndtw0 fact\charscalex100 o\charscalex99 r\charscalex100\
expndtw1 \charscalex99\expndtw0 f\charscalex100 o\charscalex99 r\charscalex100
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lex99\expndtw0 ri\expndtw1 s\expndtw0 e\charscalex100 \charscalex99 i\charscale
x100 n \charscalex99 N\expndtw-1 P\expndtw0 A\expndtw1 s\charscalex100\expndtw0
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ndtw0 e\charscalex100 \charscalex99 w\charscalex100 ho \charscalex99 are\charsc
alex100 no\charscalex99 t\charscalex100\expndtw1 \charscalex99\expndtw0 a\char
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harscalex100 h\charscalex99 e\charscalex100\expndtw1 \charscalex99 s\expndtw0 e
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expndtw-1 m\expndtw0 e\charscalex100 n\charscalex99 t\charscalex100\expndtw17 \
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arscalex100\expndtw15 \expndtw0 o\charscalex99 ff\charscalex100\expndtw14 \exp
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ndtw0 GC\charscalex100\expndtw14 \charscalex99\expndtw0 cla\expndtw-1 i\expndtw

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\charscalex99 r\expndtw-1 e\expndtw0 a\charscalex100 d\expndtw23 \expndtw0 by\e
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0 o\expndtw23 \charscalex99\expndtw0 t\charscalex100 h\charscalex99 e\charscale
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h\charscalex99\expndtw-1 a\charscalex100\expndtw0 v\charscalex99 e\charscalex10
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t\expndtw-1 t\charscalex100\expndtw0 o\charscalex99 m\charscalex100\expndtw1 \c
harscalex99\expndtw0 li\charscalex100 n\charscalex99 e\charscalex100 o\charscal
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expndtw20 \expndtw0 p\charscalex99 r\charscalex100 ov\charscalex99 isi\charscal
ex100 on\charscalex99 i\charscalex100 ng\expndtw19 \charscalex99\expndtw0 t\cha

rscalex100 o\expndtw20 \expndtw0 b\charscalex99 e\charscalex100\expndtw20 \cha
rscalex99\expndtw0 ma\charscalex100 d\charscalex99 e\charscalex100\expndtw19 \c
harscalex99\expndtw0 f\charscalex100 o\charscalex99 r\charscalex100\expndtw18 \
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arscalex99 e\charscalex100\expndtw1 \charscalex99\expndtw0 s\charscalex100 p\ch
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fs8\par\pard\li460\ri-20\sl240\slmult1 \cf0\charscalex99\fs24 N\charscalex100 o\
charscalex99 w\charscalex100\expndtw9 \charscalex99\expndtw0 a\charscalex100\ex
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expndtw8 \charscalex99\expndtw0 G\charscalex100 ov\charscalex99\expndtw-1 t\cha
rscalex100\expndtw0 .\expndtw10 \expndtw0 do\charscalex99 es\charscalex100\expn
dtw8 \expndtw0 no\charscalex99 t\charscalex100\expndtw8 \charscalex99\expndtw0
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expndtw0 a\charscalex100\expndtw1 b\charscalex99\expndtw0 le\charscalex100\expnd
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dtw16 \charscalex99\expndtw0 e\charscalex100 qu\charscalex99 it\charscalex100 y
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harscalex100 h\charscalex99 ol\charscalex100 d\charscalex99 ers\cf0\charscalex10

h\charscalex99 e\charscalex100 n\charscalex99 ce\charscalex100\expndtw39 \chars
calex99\expndtw0 l\charscalex100 o\charscalex99 wer\charscalex100\expndtw36 \ch
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alex100 nd\expndtw36 \charscalex99\expndtw0 fall\charscalex100\expndtw38 \char
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ndtw0 t\charscalex100 h\charscalex99 e\charscalex100\expndtw37 \expndtw0 y\char
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calex100\expndtw6 \charscalex99\expndtw1 w\charscalex100\expndtw0 h\charscalex9
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f\charscalex100 o\charscalex99 rce\charscalex100 d\expndtw16 \charscalex99\exp
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expndtw6 \expndtw0 bu\charscalex99 il\charscalex100 d\expndtw2 \charscalex99\e
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ndtw4 \charscalex99\expndtw0 ca\charscalex100 p\charscalex99 it\expndtw1 a\expn
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dtw6 \charscalex99\expndtw0 ma\charscalex100 y\expndtw7 \charscalex99\expndtw0
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x99 at\charscalex100\expndtw7 \charscalex99\expndtw0 fam\expndtw-1 i\expndtw0 l
iarisati\charscalex100 on\expndtw9 \expndtw0 p\charscalex99 r\charscalex100 og\
charscalex99 rammes\charscalex100\expndtw7 \expndtw0 h\charscalex99 a\charscale
x100 v\charscalex99 e\charscalex100\expndtw6 \expndtw0 b\charscalex99 ee\charsc
alex100 n\cf0\f0\par\pard\sa18\sl-120 \f0\fs12\par\pard\li820\ri-20\sl240\slmult

1 \cf0\fs24 o\charscalex99 ffere\charscalex100 d\expndtw85 \charscalex99\expndt
w0 i\charscalex100 n\expndtw85 \charscalex99\expndtw1 N\expndtw0 I\expndtw-1 B\
expndtw0 M\charscalex100\expndtw86 \charscalex99\expndtw0 at\charscalex100\expn
dtw85 \expndtw0 p\charscalex99 eri\charscalex100 od\charscalex99 ic\expndtw-1 a
\expndtw0 l\charscalex100\expndtw87 \charscalex99\expndtw0 i\charscalex100 n\ch
arscalex99 ter\charscalex100 v\charscalex99 a\expndtw-1 l\expndtw0 s\charscalex1
00\expndtw88 \charscalex99\expndtw0 t\charscalex100 o\expndtw85 \charscalex99\
expndtw0 t\charscalex100 h\charscalex99 e\charscalex100\expndtw85 \expndtw0 p\c
harscalex99 re\expndtw1 s\expndtw0 i\charscalex100 d\charscalex99 i\charscalex10
0 ng\expndtw85 \expndtw0 o\charscalex99 fficers\charscalex100\expndtw85 \expnd
tw0 o\charscalex99 f\charscalex100\expndtw84 \charscalex99\expndtw1 D\expndtw0
RTs\charscalex100\expndtw86 \charscalex99\expndtw0 i\charscalex100 n\cf0\f0\par
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scalex99 ersta\charscalex100 nd\charscalex99 i\charscalex100 ng\expndtw25 \char
rscalex99\expndtw0 c\charscalex100 o\charscalex99 m\charscalex100 p\charscalex99
le\charscalex100 x\charscalex99\expndtw-1 i\expndtw0 ties\charscalex100\expndtw
25 \expndtw0 o\charscalex99 f\charscalex100\expndtw24 \expndtw0 do\charscalex9
9 c\charscalex100 u\charscalex99 me\charscalex100 n\charscalex99\expndtw-1 t\exp
ndtw0 a\expndtw-1 t\expndtw0 i\charscalex100 on\expndtw25 \charscalex99\expndtw
0 a\charscalex100 nd\expndtw24 \expndtw0 op\charscalex99 erat\expndtw-1 i\chars
calex100\expndtw0 on\charscalex99 al\charscalex100\expndtw24 \charscalex99\expn
dtw0 feat\charscalex100 u\charscalex99 res\charscalex100\expndtw26 \charscalex9
9\expndtw0 a\charscalex100 nd\expndtw22 \expndtw0 o\charscalex99 t\charscalex10
0 h\charscalex99 er\cf0\charscalex100\f0\par\pard\sa18\sl-120 \f0\fs12\par\pard\
li820\ri-20\sl240\slmult1 \cf0\charscalex99\fs24 le\charscalex100 g\charscalex99
a\expndtw-1 l\expndtw1 i\expndtw0 ti\expndtw-1 e\expndtw0 s\charscalex100\expnd
tw28 \charscalex99\expndtw0 a\charscalex100 pp\charscalex99 li\expndtw-1 c\expn
dtw0 a\charscalex100\expndtw1 b\charscalex99\expndtw0 le\charscalex100\expndtw27
\expndtw0 o\charscalex99 f\charscalex100\expndtw26 \charscalex99\expndtw0 I\c
harscalex100 nd\charscalex99 ia\charscalex100 n\expndtw28 \expndtw0 b\charscale
x99 a\charscalex100 nk\charscalex99 i\charscalex100 ng\expndtw27 \charscalex99\
expndtw-1 s\charscalex100\expndtw0 y\charscalex99 stem\charscalex100 .\expndtw27
\charscalex99\expndtw0 RBI\charscalex100\expndtw26 \expndtw0 on\expndtw26 \c
harscalex99\expndtw0 its\charscalex100\expndtw26 \expndtw0 p\charscalex99 art\c
harscalex100\expndtw27 \expndtw0 h\charscalex99 as\charscalex100\expndtw26 \ch
arscalex99\expndtw0 s\charscalex100 ugg\charscalex99\expndtw-1 e\expndtw0 ste\ch
arscalex100 d\expndtw27 \charscalex99\expndtw0 t\charscalex100 o\expndtw26 \ch
arscalex99\expndtw0 t\charscalex100 h\charscalex99 e\cf0\charscalex100\f0\par\pa
4 G\charscalex100 ov\charscalex99 er\charscalex100 n\charscalex99 me\charscalex1
00 n\charscalex99 t\charscalex100\expndtw141 \charscalex99\expndtw0 t\charscale
x100 o\expndtw140 \charscalex99\expndtw0 c\charscalex100 on\charscalex99 si\cha
rscalex100 d\charscalex99 er\charscalex100\expndtw141 \charscalex99\expndtw0 e\
charscalex100 n\charscalex99 actm\expndtw-1 e\charscalex100\expndtw0 n\charscale
x99 t\charscalex100\expndtw143 \expndtw0 o\charscalex99 f\charscalex100\expndtw
140 \charscalex99\expndtw0 a\charscalex100 pp\charscalex99 r\charscalex100 op\c
harscalex99 riate\charscalex100\expndtw141 \expndtw0 p\charscalex99 e\charscale
x100 n\charscalex99 al\charscalex100\expndtw141 \expndtw0 p\charscalex99 r\char
scalex100 ov\charscalex99 isi\charscalex100 on\charscalex99 s\charscalex100\expn
dtw140 \charscalex99\expndtw0 a\charscalex100 g\charscalex99 ai\charscalex100 n
\charscalex99 st\cf0\charscalex100\f0\par\pard\sa18\sl-120 \f0\fs12\par\pard\li8
20\ri-20\sl240\slmult1 \cf0\fs24 ob\charscalex99 str\charscalex100 u\charscalex9
9 cti\charscalex100 on\expndtw9 \expndtw0 by\expndtw6 \expndtw0 bo\charscalex9
9 rr\charscalex100 o\charscalex99 wers\charscalex100\expndtw7 \charscalex99\exp
ndtw0 i\charscalex100 n\expndtw8 \expndtw0 po\charscalex99\expndtw-1 s\expndtw0
ses\expndtw1 s\expndtw0 i\charscalex100 on\expndtw8 \expndtw0 o\charscalex99 f
\charscalex100\expndtw6 \charscalex99\expndtw0 att\expndtw-1 a\expndtw0 c\chars
calex100\expndtw1 h\charscalex99\expndtw0 e\charscalex100 d\expndtw10 \expndtw0
p\charscalex99 r\charscalex100 op\charscalex99 erties\charscalex100\expndtw7 \

expndtw0 by\expndtw6 \charscalex99\expndtw1 D\expndtw0 RT\charscalex100\expndtw
8 \charscalex99\expndtw0 Recei\charscalex100 v\charscalex99 ers\charscalex100 ,
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calex100 y bo\charscalex99 rr\charscalex100 o\charscalex99\expndtw1 w\expndtw0 e
rs\charscalex100\expndtw1 \charscalex99\expndtw-1 w\charscalex100\expndtw0 ho d
\charscalex99 efa\charscalex100 u\charscalex99 lt\charscalex100 \charscalex99 t
\charscalex100 o\expndtw1 \expndtw0 honou\charscalex99 r\charscalex100 \charsc
alex99 t\charscalex100 h\charscalex99 e\charscalex100 d\charscalex99 ecree\char
scalex100\expndtw1 \expndtw0 p\charscalex99 as\expndtw1 s\expndtw0 e\charscalex
100 d \charscalex99 a\charscalex100 g\charscalex99 ai\charscalex100 n\charscalex
99 st\charscalex100\expndtw1 \charscalex99\expndtw0 t\charscalex100 h\charscale
x99 em\charscalex100 .\cf0\f0\par\pard\sl-240 \f0\par\pard\sa18\sl-80 \fs8\par\p
ard\li100\ri-20\sl240\slmult1\tx820 \b\cf0\fs24 4.\b0 \tab \b\ul\charscalex99 Ci
rcul\charscalex100 a\charscalex99 ti\charscalex100 o\charscalex99 n\cf3\charscal
ex100\expndtw1 \cf0\expndtw0 o\charscalex99 f\cf3\charscalex100 \cf0\charscale
x99 inf\charscalex100 o\charscalex99 rm\charscalex100 a\charscalex99 ti\charscal
ex100 o\charscalex99 n\cf3\charscalex100 \cf0 o\charscalex99 n\cf3\charscalex10
0\expndtw1 \cf0\charscalex99\expndtw0 def\charscalex100 a\charscalex99 ulters:\
b0\ul0\cf0\charscalex100\f0\par\pard\sl-240 \f0\par\pard\sa18\sl-80 \fs8\par\par
d\li820\ri-20\sl240\slmult1 \cf0\charscalex99\fs24 T\charscalex100 h\charscalex9
9 e\charscalex100\expndtw45 \charscalex99\expndtw0 RBI\charscalex100\expndtw46
\expndtw0 h\charscalex99 as\charscalex100\expndtw45 \expndtw0 pu\charscalex99
t\charscalex100\expndtw45 \charscalex99\expndtw0 i\charscalex100 n\expndtw46 \
expndtw0 p\charscalex99 lace\charscalex100\expndtw47 \charscalex99\expndtw0 a\c
harscalex100\expndtw44 \charscalex99\expndtw0 s\charscalex100 y\charscalex99\ex
pndtw1 s\expndtw0 tem\charscalex100\expndtw45 \charscalex99\expndtw0 f\charscal
ex100 o\charscalex99 r\charscalex100\expndtw46 \expndtw0 p\charscalex99 eri\cha
rscalex100 od\charscalex99 i\expndtw-1 c\expndtw0 al\charscalex100\expndtw47 \c
harscalex99\expndtw0 circ\charscalex100 u\charscalex99\expndtw-1 l\expndtw0 at\e
xpndtw-1 i\charscalex100\expndtw0 on\expndtw47 \expndtw0 o\charscalex99 f\chars
calex100\expndtw46 \expndtw0 d\charscalex99 etai\expndtw-1 l\expndtw0 s\charsca
x99\expndtw1 w\expndtw0 il\expndtw-1 l\expndtw0 f\charscalex100 u\charscalex99 l
lmult1 \cf0\fs24 d\charscalex99 efa\charscalex100 u\charscalex99 l\expndtw-1 t\e
xpndtw0 s\charscalex100\expndtw14 \expndtw0 o\charscalex99 f\charscalex100\expn
dtw12 \expndtw0 bo\charscalex99 rr\charscalex100 o\charscalex99 wers\charscalex
100\expndtw13 \expndtw0 o\charscalex99 f\charscalex100\expndtw12 \expndtw0 b\c
harscalex99 a\charscalex100 nk\charscalex99 s\charscalex100\expndtw12 \charscal
ex99\expndtw0 a\charscalex100 nd\expndtw12 \charscalex99\expndtw0 fi\charscalex
100 n\charscalex99 a\charscalex100 n\charscalex99 ci\expndtw-1 a\expndtw0 l\char
scalex100\expndtw15 \charscalex99\expndtw0 i\charscalex100 n\charscalex99 stit\
charscalex100 u\charscalex99\expndtw-1 t\expndtw0 i\charscalex100 on\charscalex9
9 s\charscalex100 .\expndtw14 \charscalex99\expndtw0 T\charscalex100 h\charscal
ex99 is\charscalex100\expndtw11 \charscalex99\expndtw1 s\expndtw0 er\charscalex
100 v\charscalex99 es\charscalex100\expndtw12 \charscalex99\expndtw0 as\charsca
lex100\expndtw13 \charscalex99\expndtw0 a\charscalex100\expndtw12 \charscalex9
9\expndtw0 ca\charscalex100 u\charscalex99 t\expndtw-1 i\charscalex100\expndtw0
on\expndtw13 \charscalex99\expndtw0 list\cf0\charscalex100\f0\par\pard\sa18\sl120 \f0\fs12\par\pard\li820\ri-20\sl240\slmult1 \cf0\charscalex99\fs24 w\charsca
lex100 h\charscalex99 ile\charscalex100\expndtw87 \charscalex99\expndtw0 c\char
scalex100 on\charscalex99 si\charscalex100 d\charscalex99 eri\charscalex100 ng\e
xpndtw89 \charscalex99\expndtw0 re\charscalex100 qu\charscalex99 ests\charscale
x100\expndtw87 \charscalex99\expndtw0 f\charscalex100 o\charscalex99 r\charscal
ex100\expndtw88 \expndtw0 n\charscalex99 ew\charscalex100\expndtw86 \expndtw0
o\charscalex99 r\charscalex100\expndtw88 \charscalex99\expndtw0 a\charscalex100
dd\charscalex99 it\expndtw-1 i\charscalex100\expndtw0 on\charscalex99 al\charsc
alex100\expndtw89 \charscalex99\expndtw0 cre\charscalex100 d\charscalex99 it\ch
arscalex100\expndtw88 \charscalex99\expndtw0 lim\expndtw-1 i\expndtw0 ts\charsc

alex100\expndtw89 \charscalex99\expndtw0 fr\charscalex100 o\charscalex99 m\char
scalex100\expndtw86 \expndtw0 d\charscalex99 efa\charscalex100 u\charscalex99 l
\expndtw-1 t\expndtw0 i\charscalex100 ng\cf0\f0\par\pard\sa18\sl-120 \f0\fs12\pa
r\pard\li820\ri-20\sl240\slmult1 \cf0\fs24 bo\charscalex99 rr\charscalex100 o\ch
arscalex99 wi\charscalex100 ng\expndtw8 \expndtw0 un\charscalex99 its\charscale
x100\expndtw8 \charscalex99\expndtw0 a\charscalex100 nd\expndtw5 \charscalex99
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o\charscalex99 m\charscalex100\expndtw8 \charscalex99\expndtw0 t\charscalex100
h\charscalex99 e\charscalex100\expndtw7 \expndtw0 d\charscalex99 irect\charscal
ex100 o\charscalex99 rs/\charscalex100 p\charscalex99 r\charscalex100 op\charsca
lex99 riet\charscalex100 o\charscalex99 r\expndtw1 s\expndtw0 /\charscalex100 p\
charscalex99 ar\expndtw-1 t\charscalex100\expndtw0 n\charscalex99 ers\charscalex
100\expndtw10 \expndtw0 o\charscalex99 f\charscalex100\expndtw8 \charscalex99\
expndtw0 t\charscalex100 h\charscalex99 ese\charscalex100\expndtw8 \charscalex9
9\expndtw0 e\charscalex100 n\charscalex99 ti\expndtw-1 t\expndtw0 i\expndtw-1 e\
expndtw0 s\charscalex100 .\expndtw10 \charscalex99\expndtw0 R\expndtw1 B\expndt
w0 I\cf0\charscalex100\f0\par\pard\sa18\sl-120 \f0\fs12\par\pard\li820\ri-20\sl2
40\slmult1 \cf0\charscalex99\fs24 als\charscalex100 o\expndtw56 \expndtw0 pub\c
harscalex99 lis\charscalex100 h\charscalex99 es\charscalex100\expndtw56 \charsc
alex99\expndtw0 a\charscalex100\expndtw56 \charscalex99\expndtw0 list\charscale
x100\expndtw55 \expndtw0 o\charscalex99 f\charscalex100\expndtw54 \expndtw0 bo
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100\expndtw54 \charscalex99\expndtw0 (\expndtw1 w\expndtw0 it\charscalex100 h\e
xpndtw55 \expndtw0 ou\charscalex99 t\expndtw1 s\expndtw0 ta\charscalex100 nd\ch
arscalex99\expndtw-1 i\charscalex100\expndtw0 ng\expndtw57 \charscalex99\expndt
w0 a\charscalex100 gg\charscalex99 re\charscalex100 g\charscalex99 ati\charscale
x100 ng\expndtw55 \charscalex99\expndtw0 R\expndtw1 s\charscalex100\expndtw0 .\
expndtw56 \expndtw0 1\expndtw54 \charscalex99\expndtw0 cr\charscalex100 o\char
scalex99 re\charscalex100\expndtw55 \charscalex99\expndtw0 a\charscalex100 nd\c
scalex99\fs24 a\charscalex100 bov\charscalex99 e)\charscalex100\expndtw1 \chars
calex99\expndtw0 a\charscalex100 g\charscalex99 ai\charscalex100 n\charscalex99
st\charscalex100\expndtw1 \charscalex99\expndtw0 w\charscalex100 ho\charscalex9
9 m\charscalex100\expndtw1 \charscalex99\expndtw-1 s\charscalex100\expndtw0 u\c
harscalex99 i\expndtw-1 t\expndtw0 s\charscalex100\expndtw2 \expndtw0 h\charsca
lex99 a\charscalex100 v\charscalex99 e\charscalex100 b\charscalex99 ee\charscal
ex100 n\expndtw1 \charscalex99\expndtw0 file\charscalex100 d\expndtw1 \expndtw
0 by b\charscalex99 a\charscalex100 n\expndtw-2 k\charscalex99\expndtw0 s\charsc
alex100 \charscalex99 a\charscalex100 nd\expndtw2 \charscalex99\expndtw-1 F\ex
pndtw0 Is\charscalex100 \charscalex99 f\charscalex100 o\charscalex99 r\charscal
ex100 \charscalex99 rec\charscalex100 ov\charscalex99 er\charscalex100 y\expndt
w1 \expndtw0 o\charscalex99 f\cf0\charscalex100\f0\par\pard\sl-240 \f0\par\pard
\sa18\sl-80 \fs8\par\pard\li827\ri-20\sl240\slmult1 \cf0\charscalex99\fs24 t\cha
rscalex100 h\charscalex99 e\expndtw-1 i\expndtw0 r\charscalex100\expndtw7 \char
scalex99\expndtw0 f\charscalex100 und\charscalex99\expndtw1 s\charscalex100\expn
dtw0 ,\expndtw6 \charscalex99\expndtw0 as\charscalex100\expndtw6 \expndtw0 on\
expndtw6 \expndtw0 3\expndtw-1 1\charscalex99\expndtw0 st\charscalex100\expndtw
8 \charscalex99\expndtw1 M\expndtw0 arc\charscalex100 h\expndtw5 \charscalex99
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y\charscalex99 ear\charscalex100 .\expndtw7 \charscalex99\expndtw0 It\charscale
x100\expndtw6 \charscalex99\expndtw0 is\charscalex100\expndtw6 \expndtw0 ou\ch
arscalex99 r\charscalex100\expndtw6 \charscalex99\expndtw0 e\charscalex100 xp\c
harscalex99 erie\charscalex100 n\charscalex99\expndtw-1 c\expndtw0 e\charscalex1
00\expndtw9 \charscalex99\expndtw0 t\charscalex100 h\charscalex99 at\charscalex
100\expndtw7 \charscalex99\expndtw0 t\charscalex100 h\charscalex99 ese\charscal
ex100\expndtw6 \charscalex99\expndtw0 meas\charscalex100 u\charscalex99 res\cha
rscalex100\expndtw8 \expndtw0 h\charscalex99 a\charscalex100 d\cf0\f0\par\pard\
sa18\sl-120 \f0\fs12\par\pard\li820\ri-20\sl240\slmult1 \cf0\fs24 no\charscalex9
9 t\charscalex100\expndtw27 \charscalex99\expndtw0 c\charscalex100 on\charscale
x99 tri\charscalex100 bu\charscalex99\expndtw-1 t\expndtw0 e\charscalex100 d\exp

w0 a\charscalex100 ny\expndtw28 \expndtw0 p\charscalex99 erce\charscalex100 p\c
harscalex99 t\expndtw-1 i\charscalex100\expndtw0 b\charscalex99 le\charscalex100
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calex100\expndtw29 \charscalex99\expndtw0 fr\charscalex100 o\charscalex99 m\cha
arscalex100\expndtw27 \expndtw0 d\charscalex99 efa\charscalex100 u\charscalex99
l\expndtw-1 t\expndtw0 i\charscalex100 ng\expndtw29 \charscalex99\expndtw0 e\c
harscalex100 n\charscalex99 ti\expndtw-1 t\expndtw0 i\expndtw-1 e\expndtw0 s\cha
rscalex100 .\expndtw30 \charscalex99\expndtw0 H\charscalex100 o\charscalex99 we
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h\charscalex99 e\charscalex100 y\expndtw29 \charscalex99\expndtw1 s\expndtw0 er
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as\charscalex100\expndtw28 \expndtw0 n\charscalex99 e\charscalex100 g\charscale
x99 ati\charscalex100 v\charscalex99 e\charscalex100\expndtw30 \expndtw0 b\char
scalex99 a\expndtw1 s\charscalex100\expndtw0 k\charscalex99 et\charscalex100\exp
w1 s\expndtw0 te\charscalex100 p\charscalex99 s\charscalex100\expndtw28 \charsc
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ex100\expndtw0 ng\expndtw29 \expndtw0 o\charscalex99 ff\charscalex100\expndtw30
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0 \expndtw0 d\charscalex99 efa\charscalex100 u\charscalex99 l\expndtw-1 t\expnd
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harscalex100\expndtw31 \expndtw0 b\charscalex99 rea\charscalex100 k\charscalex9
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xpndtw0 ca\charscalex100 n\expndtw30 \charscalex99\expndtw0 c\charscalex100 o\c
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0 y\expndtw31 \charscalex99\expndtw0 if\charscalex100\expndtw30 \charscalex99\
expndtw0 t\charscalex100 h\charscalex99 ere\charscalex100\expndtw31 \charscalex
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0 n\expndtw30 \charscalex99\expndtw0 t\charscalex100 h\charscalex99 e\cf0\chars
0\charscalex99\fs24 re\charscalex100 p\charscalex99 a\charscalex100 y\charscalex
99 m\expndtw-1 e\charscalex100\expndtw0 n\charscalex99 t\charscalex100\expndtw3
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0 h\charscalex99 e\charscalex100\expndtw25 \charscalex99\expndtw1 C\charscalex1
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pndtw0 a\charscalex99 t\b0\charscalex100 \b\charscalex99 the\b0\charscalex100
\b g\charscalex99 r\charscalex100 o\charscalex99 ss\b0\charscalex100\expndtw1 \
b\charscalex99 N\expndtw-2 P\expndtw0 A\b0\charscalex100 \b o\charscalex99 f\b0
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0 decre\charscalex100 a\charscalex99 sed\b0\charscalex100 \b\charscalex99 fr\ch
arscalex100 o\charscalex99 m\b0\cf0\charscalex100 \b\cf0 2003\charscalex99 -\ch
arscalex100 04\b0 \b\charscalex99 t\charscalex100 o\b0 \b 2005\charscalex99 -\
charscalex100 06,\charscalex99 incre\charscalex100 a\charscalex99 sed\b0\charsca
lex100\expndtw2 \b\charscalex99\expndtw0 in\b0\charscalex100 \b 2006\charscale
x99 -\charscalex100 07\b0 \b a\charscalex99\expndtw-1 n\expndtw0 d\b0\charscale
x100 \b aga\charscalex99 in\b0\charscalex100 \b\charscalex99 decre\charscalex1
00 a\charscalex99 sed\b0\charscalex100\expndtw3 \b\charscalex99\expndtw0 in\b0\
charscalex100 \b 2007\charscalex99 -\charscalex100 08.\b0 \b\charscalex99 The\
b0\charscalex100 \b\charscalex99\expndtw1 n\expndtw0 et\b0\charscalex100 \b\ch
arscalex99 NPA\b0\cf0\charscalex100 \b\cf0\charscalex99 decre\charscalex100 a\c
harscalex99 sed\b0\charscalex100\expndtw2 \b\charscalex99\expndtw0 fr\charscale

x100 o\charscalex99 m\b0\charscalex100 \b 2003\charscalex99 -\charscalex100 04\
b0 \b\charscalex99 t\charscalex100 o\b0 \b 2007\charscalex99 -\charscalex100 0
8.\b0\cf0\f0\par\pard\sl-240 \f0\par\pard\sl-240 \par\pard\sl-240 \par\pard\sl-2
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9\fs32 FINDI\expndtw1 N\expndtw0 GS\b0\ul0\cf0\charscalex100\f0\fs24\par\pard\sl
-240 \f0\par\pard\sl-240 \par\pard\sl-240 \par\pard\sl-240 \par\pard\sa5\sl-100
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x100\expndtw89 \b\ul\charscalex99\expndtw0\f0\fs28 REASON\cf3\charscalex100\exp
ndtw1 \cf0\charscalex99\expndtw0 OF\cf3\charscalex100 \cf0\charscalex99 N\expn
dtw1 P\expndtw0 A\cf3\charscalex100 \cf0\charscalex99 IN\cf3\charscalex100\expn
dtw-1 \cf0\charscalex99\expndtw0 B\expndtw-1 A\expndtw0 N\expndtw3 K\b0\expndtw
-1 :\expndtw0 -\ul0\cf0\charscalex100\f0\fs24\par\sect\sectd\pgwsxn12240\pghsxn1
5840\marglsxn362\margrsxn850\margtsxn1134\margbsxn1134 \pard\plain\sl-240 \f0\pa
r\pard\sa16\sl-80 \fs8\par\pard\ri-20\sl240\slmult1\tx1439 \cf0\charscalex106\f2
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lex100\expndtw1 \expndtw0 by \charscalex99 c\charscalex100 u\charscalex99 st\ch
arscalex100 o\charscalex99 mer\cf0\charscalex100\f0\par\pard\sa10\sl-160 \f0\fs1
6\par\pard\li2159\ri-20\sl240\slmult1\tx2880 \cf0\charscalex106\f2\fs24 \u-3880?
\tab \charscalex99\f0 N\charscalex100 on\charscalex99 -i\charscalex100 n\charsca
lex99 s\charscalex100 p\charscalex99 ecti\charscalex100 on\expndtw1 \expndtw0 o
\charscalex99 f\charscalex100 bo\charscalex99 rr\charscalex100 o\charscalex99\e
xpndtw1 w\expndtw0 er\cf0\charscalex100\f0\par\pard\sa10\sl-160 \f0\fs16\par\par
d\li2159\ri-20\sl240\slmult1\tx2880 \cf0\charscalex106\f2\fs24 \u-3880?\tab \cha
rscalex99\f0 Lac\charscalex100 k o\charscalex99 f\charscalex100 \charscalex99 e
\charscalex100 xp\charscalex99 ertise\cf0\charscalex100\f0\par\pard\sa10\sl-160
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u-3880?\tab \charscalex99\f0 Im\charscalex100 b\charscalex99 a\expndtw-1 l\expnd
tw0 a\charscalex100 n\charscalex99 ce\charscalex100\expndtw2 \expndtw0 o\charsc
alex99 f\charscalex100 \charscalex99 i\charscalex100 nv\charscalex99 e\charscal
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r\pard\sa10\sl-160 \f0\fs16\par\pard\li2159\ri-20\sl240\slmult1\tx2880 \cf0\char
scalex106\f2\fs24 \u-3880?\tab \charscalex99\f0 P\charscalex100 oo\charscalex99
r\charscalex100 \charscalex99 cre\charscalex100 d\charscalex99 it\charscalex100
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r\pard\sa10\sl-160 \f0\fs16\par\pard\li2159\ri-20\sl240\slmult1\tx2880 \cf0\char
scalex106\f2\fs24 \u-3880?\tab \charscalex99\f0 Lac\charscalex100 k o\charscalex
99 f\charscalex100 \charscalex99 trai\charscalex100 n\charscalex99 e\charscalex
100 d\expndtw1 \charscalex99 s\expndtw0 taff\cf0\charscalex100\f0\par\pard\sa10
\sl-160 \f0\fs16\par\pard\li2159\ri-20\sl240\slmult1\tx2880 \cf0\charscalex106\f
2\fs24 \u-3880?\tab \charscalex99\f0 Lac\charscalex100 k o\charscalex99 f\charsc
alex100 \charscalex99 c\charscalex100 o\charscalex99 mmitme\charscalex100 n\cha
rscalex99 t\charscalex100\expndtw3 \charscalex99\expndtw0 t\charscalex100 o \ch
arscalex99 rec\charscalex100 ov\charscalex99 er\charscalex100 y\cf0\f0\par\pard\
sa10\sl-160 \f0\fs16\par\pard\li2159\ri-20\sl240\slmult1\tx2880 \cf0\charscalex1
06\f2\fs24 \u-3880?\tab \charscalex99\f0 C\charscalex100 h\charscalex99 a\charsc
alex100 ng\charscalex99 e\charscalex100\expndtw1 \charscalex99\expndtw0 i\chars
calex100 n \charscalex99 c\charscalex100 on\charscalex99 s\charscalex100 u\chars
calex99 mer\charscalex100\expndtw2 \expndtw0 p\charscalex99 refere\charscalex10
0 n\charscalex99 ce\cf0\charscalex100\f0\par\pard\sl-240 \f0\par\pard\sl-240 \pa
r\pard\sa12\sl-40 \fs4\par\pard\li1889\ri-20\sl240\slmult1\tx2250 \b\cf0\fs22 2\
b0 \tab \b\ul\charscalex99\fs28 IMPACT\cf3\charscalex100\expndtw1 \cf0\charscal
ex99\expndtw0 OF\cf3\charscalex100 \cf0\charscalex99 NPA\cf3\charscalex100 \cf
0\charscalex99 ON\cf3\charscalex100 \cf0\charscalex99 BANK\b0\ul0\cf0\charscale
x100\f0\fs24\par\pard\sl-240 \f0\par\pard\sl-240 \par\pard\sa16\sl-60 \fs6\par\p
ard\li2159\ri-20\sl240\slmult1\tx2880 \cf0\charscalex106\f2\fs24 \u-3880?\tab \c
harscalex99\f0 G\charscalex100 ov\charscalex99 t\charscalex100 . \charscalex99 P
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ar\pard\sa10\sl-160 \f0\fs16\par\pard\li2159\ri-20\sl240\slmult1\tx2880 \cf0\cha

rscalex106\f2\fs24 \u-3880?\tab \charscalex99\f0 Im\charscalex100 p\charscalex99
act\charscalex100 o\charscalex99 f\charscalex100 p\charscalex99 r\charscalex1
00 o\charscalex99 fita\charscalex100 b\charscalex99 ilit\charscalex100 y\cf0\f0\
par\pard\sa10\sl-160 \f0\fs16\par\pard\li2159\ri-20\sl240\slmult1\tx2880 \cf0\ch
arscalex106\f2\fs24 \u-3880?\tab \charscalex99\f0 Li\charscalex100 qu\charscalex
99\expndtw-1 i\charscalex100\expndtw0 d\charscalex99 i\expndtw-1 t\charscalex100
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ult1\tx2880 \cf0\charscalex106\f2\fs24 \u-3880?\tab \charscalex99\f0 Im\charscal
ex100 p\charscalex99 act\charscalex100 on ou\charscalex99 tl\charscalex100 ook\
expndtw1 \charscalex99\expndtw0 of\charscalex100 \charscalex99 Ba\charscalex10
0 nk\charscalex99 er\charscalex100\expndtw2 \charscalex99\expndtw0 t\charscalex
100 o \charscalex99 war\charscalex100 d\charscalex99 s\charscalex100\expndtw1 \
charscalex99\expndtw0 cre\charscalex100 d\charscalex99 it\charscalex100 d\chars
calex99 eli\charscalex100 v\charscalex99 er\charscalex100 y\cf0\f0\par\pard\sa10
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2\fs24 \u-3880?\tab \charscalex99\f0 Im\charscalex100 p\charscalex99 act\charsca
lex100 o\charscalex99 f\charscalex100\expndtw60 \expndtw0 p\charscalex99 r\cha
rscalex100 odu\charscalex99 ctivit\charscalex100 y\cf0\f0\par\pard\sl-240 \f0\pa
pard\sl-240 \par\pard\sl-240 \par\pard\sl-240 \par\pard\sl-240 \par\pard\sa3\sl140 \fs14\par\pard\li4630\ri-20\sl240\slmult1 \b\ul\cf3\fs32 \cf0\charscalex99
RECOMM\expndtw1 A\expndtw0 ND\expndtw1 AT\expndtw0 IONS\b0\ul0\cf0\charscalex100
\f0\fs24\par\sect\sectd\pgwsxn12240\pghsxn15840\marglsxn1701\margrsxn850\margtsx
n1134\margbsxn1134 \pard\plain\sl-240 \f0\par\pard\sl-80 \fs8\par\pard\qj\fi-360
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100\expndtw123 \b\charscalex99\expndtw1\f0\fs24 C\expndtw0 redit\b0\charscalex1
00\expndtw2 \b\expndtw-1 a\charscalex99\expndtw0 dministr\charscalex100 a\chars
calex99 ti\charscalex100 o\charscalex99\expndtw1 n\b0\expndtw0 :\tab \fs22 A\cha
rscalex100\expndtw96 \expndtw0 b\charscalex99 a\charscalex100 nk\charscalex99 s
\charscalex100\expndtw96 \expndtw0 h\charscalex99 a\charscalex100 v\charscalex9
9 e\charscalex100\expndtw98 \charscalex99\expndtw0 t\charscalex100 o\expndtw96
\charscalex99\expndtw-1 s\expndtw0 t\expndtw1 r\expndtw0 e\charscalex100 ng\cha
rscalex99 t\charscalex100 h\charscalex99 e\charscalex100 n\expndtw95 \charscale
x99\expndtw1 t\charscalex100\expndtw0 h\charscalex99 eir\charscalex100\expndtw98
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ex100\expndtw97 \charscalex99\expndtw0 a\charscalex100 d\charscalex99 m\expndtw
1 i\charscalex100\expndtw-1 n\charscalex99\expndtw0 i\expndtw1 s\expndtw0 trati\
charscalex100 v\charscalex99 e\cf0\charscalex100 \cf0\charscalex99\expndtw1 m\e
xpndtw0 ac\charscalex100\expndtw-1 h\charscalex99\expndtw1 i\charscalex100\expnd
tw0 n\charscalex99 e\expndtw1 r\charscalex100\expndtw0 y\expndtw39 \charscalex9
9\expndtw-1 a\charscalex100\expndtw0 nd\expndtw38 \expndtw0 pu\charscalex99 t\c
harscalex100\expndtw40 \charscalex99\expndtw1 i\charscalex100\expndtw0 n\expndt
w39 \expndtw-1 p\charscalex99\expndtw0 l\expndtw1 a\expndtw0 ce\charscalex100\e
xpndtw40 \charscalex99\expndtw-1 e\expndtw0 ff\expndtw1 e\expndtw-1 c\expndtw0
t\expndtw1 i\charscalex100\expndtw0 v\charscalex99 e\charscalex100\expndtw40 \c
harscalex99\expndtw-1 c\expndtw0 re\charscalex100\expndtw-1 d\charscalex99\expnd
tw0 it\charscalex100\expndtw40 \charscalex99\expndtw1 r\expndtw0 is\charscalex1
00 k\expndtw39 \charscalex99\expndtw1 m\expndtw0 a\charscalex100\expndtw-1 n\ch
arscalex99\expndtw0 a\charscalex100 g\charscalex99 e\expndtw1 me\charscalex100\e
xpndtw-1 n\charscalex99\expndtw0 t\charscalex100\expndtw39 \charscalex99\expndt
w0 s\charscalex100 y\charscalex99 ste\expndtw1 m\expndtw0 s\charscalex100\expndt
w40 \charscalex99\expndtw0 t\charscalex100 o\expndtw38 \charscalex99\expndtw0
r\expndtw1 e\charscalex100\expndtw0 du\charscalex99\expndtw-1 c\expndtw0 e\chars
calex100\expndtw39 \charscalex99\expndtw1 t\charscalex100\expndtw0 h\charscalex
99 e\charscalex100\expndtw39 \charscalex99\expndtw0 fres\charscalex100 h\cf0 \
cf0\charscalex99\expndtw1 i\charscalex100\expndtw0 n\charscalex99\expndtw-1 c\ex
pndtw0 i\charscalex100 d\charscalex99\expndtw1 e\charscalex100\expndtw0 n\charsc
alex99 ce\charscalex100 o\charscalex99 f\charscalex100 \charscalex99\expndtw-1

N\expndtw0 P\expndtw-1 A\expndtw2 s\charscalex114\expndtw0\f2 .\cf0\charscalex1
00\f0\fs24\par\pard\sl-240 \f2\par\pard\sa8\sl-180 \fs18\par\pard\li460\ri-20\sl
240\slmult1\tx2981 \cf0\charscalex106\fs22 \u-3880?\charscalex100\expndtw123 \b
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dtw49 \charscalex99\expndtw1 s\charscalex100\expndtw0 h\charscalex99 all\charsc
alex100\expndtw48 \expndtw0 k\charscalex99 ee\charscalex100 p\expndtw50 \chars
calex99\expndtw0 a\charscalex100\expndtw50 \charscalex99\expndtw0 cl\charscalex
100 o\charscalex99 se\charscalex100\expndtw49 \charscalex99\expndtw1 w\expndtw0
atc\charscalex100 h\expndtw49 \expndtw0 on\expndtw50 \charscalex99\expndtw0 t
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ma\charscalex100 nn\charscalex99 er\charscalex100\expndtw49 \charscalex99\expnd
tw0 i\charscalex100 n\expndtw50 \charscalex99\expndtw0 w\charscalex100 h\charsc
alex99 ic\charscalex100 h\expndtw50 \charscalex99\expndtw-1 N\expndtw0 PA\cf0\c
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ex100\expndtw0 on\expndtw1 \charscalex99\expndtw0 is\charscalex100 \charscalex
99 ta\charscalex100 k\charscalex99 i\charscalex100 ng\expndtw1 \expndtw0 p\char
scalex99 lace\charscalex100 .\cf0\f0\par\pard\sl-240 \f0\par\pard\sl-240 \par\pa
rd\sl-240 \par\pard\sa10\sl-240 \par\pard\li460\ri-20\sl240\slmult1\tx2981 \cf0\
charscalex106\f2\fs22 \u-3880?\charscalex100\expndtw123 \b\charscalex99\expndtw
1\f0\fs24 C\charscalex100\expndtw0 a\charscalex99 sh\b0\charscalex100 \b\charsc
alex99 Rec\charscalex100 ov\charscalex99 er\charscalex100 y\charscalex99 :\b0 \t
ab We\charscalex100\expndtw45 \charscalex99\expndtw0 s\charscalex100 hou\charsc
alex99\expndtw-1 l\charscalex100\expndtw0 d\expndtw45 \charscalex99\expndtw0 al
s\charscalex100 o\expndtw44 \charscalex99\expndtw0 i\charscalex100 n\charscalex
99\expndtw1 s\expndtw0 ist\charscalex100\expndtw44 \charscalex99\expndtw0 t\cha
rscalex100 h\charscalex99 at\charscalex100\expndtw44 \charscalex99\expndtw0 ca\
expndtw1 s\charscalex100\expndtw0 h\expndtw44 \charscalex99\expndtw0 rec\charsc
alex100 ov\charscalex99 eri\expndtw-1 e\expndtw0 s\charscalex100\expndtw46 \cha
rscalex99\expndtw1 s\charscalex100\expndtw0 hou\charscalex99 l\charscalex100 d\e
xpndtw44 \charscalex99\expndtw0 m\charscalex100 o\charscalex99 re\charscalex100
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0 n\cf0\f0\par\pard\sa18\sl-120 \f0\fs12\par\pard\li820\ri-20\sl240\slmult1 \cf0
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scalex100 h\charscalex99 e\charscalex100 \charscalex99 fres\charscalex100 h \ch
arscalex99\expndtw1 w\expndtw0 rite\expndtw1 -\charscalex100\expndtw0 o\charscal
ex99 f\expndtw-1 f\expndtw0 s\charscalex100 \charscalex99 i\charscalex100 n\exp
ndtw1 \charscalex99\expndtw0 NP\expndtw-1 A\expndtw0 s\charscalex100 .\cf0\f0\p
ar\pard\sl-240 \f0\par\pard\sl-240 \par\pard\sa14\sl-60 \fs6\par\pard\li460\ri-2
0\sl240\slmult1\tx2261 \cf0\charscalex106\f2\fs22 \u-3880?\charscalex100\expndtw
123 \b\charscalex99\expndtw0\f0\fs24 Percepti\charscalex100 o\charscalex99 n:\b
0 \tab T\charscalex100 h\charscalex99 e\charscalex100\expndtw47 \charscalex99\e
xpndtw0 mi\charscalex100 nd\charscalex99 set\charscalex100\expndtw47 \expndtw0
o\charscalex99 f\charscalex100\expndtw46 \charscalex99\expndtw0 t\charscalex100
h\charscalex99 e\charscalex100\expndtw45 \expndtw0 bo\charscalex99 rr\charscal
ex100 o\charscalex99\expndtw1 w\expndtw0 ers\charscalex100\expndtw46 \expndtw0
n\charscalex99 ee\charscalex100 d\charscalex99 s\charscalex100\expndtw47 \chars
calex99\expndtw0 t\charscalex100 o\expndtw45 \charscalex99\expndtw0 c\charscale
x100 h\charscalex99 a\charscalex100 ng\charscalex99 e\charscalex100\expndtw48 \
charscalex99\expndtw0 s\charscalex100 o\expndtw46 \charscalex99\expndtw0 t\char
scalex100 h\charscalex99 at\charscalex100\expndtw47 \charscalex99\expndtw0 a\ch
arscalex100\expndtw46 \charscalex99\expndtw0 c\charscalex100 u\charscalex99 lt\
charscalex100 u\charscalex99 re\charscalex100\expndtw47 \expndtw0 o\charscalex9
9 f\cf0\charscalex100\f0\par\pard\sa18\sl-120 \f0\fs12\par\pard\li820\ri-20\sl24
0\slmult1 \cf0\fs24 p\charscalex99 r\charscalex100 op\charscalex99 er\charscalex
100\expndtw1 \expndtw0 u\charscalex99 til\expndtw-1 i\expndtw0 zati\charscalex1
00 on\expndtw2 \expndtw0 o\charscalex99 f\charscalex100 \charscalex99 cre\char
scalex100 d\charscalex99 it\charscalex100 \charscalex99 facilities\charscalex10
0\expndtw2 \charscalex99\expndtw0 a\charscalex100 nd\expndtw2 \charscalex99\ex

pndtw0 ti\expndtw-1 m\expndtw0 e\expndtw-1 l\charscalex100\expndtw0 y\expndtw1
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lex99 me\charscalex100 n\charscalex99 t\charscalex100\expndtw3 \charscalex99\ex
pndtw0 is\charscalex100 d\charscalex99 e\charscalex100 v\charscalex99 el\charsc
alex100 op\charscalex99 e\charscalex100 d.\cf0\f0\par\pard\sl-240 \f0\par\pard\s
l-240 \par\pard\sa16\sl-60 \fs6\par\pard\li460\ri-20\sl240\slmult1\tx2981 \cf0\c
harscalex106\f2\fs22 \u-3880?\charscalex100\expndtw123 \b\charscalex99\expndtw0
\f0\fs24 Fin\charscalex100 a\charscalex99 nci\charscalex100 a\charscalex99 l\b0\
charscalex100\expndtw1 \b\charscalex99\expndtw0 S\charscalex100 y\charscalex99\
expndtw1 s\expndtw0 tem:\b0 \tab As\charscalex100\expndtw11 \expndtw0 you\expnd
tw10 \charscalex99\expndtw0 are\charscalex100\expndtw9 \charscalex99\expndtw0
a\expndtw1 w\expndtw0 are\charscalex100 ,\expndtw11 \expndtw0 on\charscalex99 e
charscalex99\expndtw0 ma\expndtw-1 i\charscalex100\expndtw0 n\expndtw11 \charsc
alex99\expndtw0 rea\expndtw1 s\charscalex100\expndtw0 on\expndtw10 \charscalex9
9\expndtw0 f\charscalex100 o\charscalex99 r\charscalex100\expndtw10 \charscalex
99\expndtw0 c\charscalex100 o\charscalex99 r\charscalex100 po\charscalex99 rate\
charscalex100\expndtw12 \expndtw0 d\charscalex99 efa\charscalex100 u\charscalex
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rscalex99\expndtw0 t\charscalex100 o\cf0\f0\par\pard\sa18\sl-120 \f0\fs12\par\pa
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lex99 ri\expndtw-1 t\charscalex100\expndtw0 y\expndtw17 \charscalex99\expndtw1
s\expndtw0 ect\charscalex100 o\charscalex99 rs\charscalex100\expndtw13 \expndtw
0 h\charscalex99 a\charscalex100 v\charscalex99 e\charscalex100\expndtw16 \char
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lex100 o\expndtw14 \expndtw0 h\charscalex99 ig\charscalex100 h\charscalex99 er\
charscalex100\expndtw15 \charscalex99\expndtw1 N\expndtw0 PAs\charscalex100 ,\e
xpndtw15 \expndtw0 du\charscalex99 e\charscalex100\expndtw14 \charscalex99\exp
ndtw0 t\charscalex100 o\expndtw15 \charscalex99\expndtw0 cre\charscalex100 d\ch
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expndtw15 \charscalex99\expndtw0 t\charscalex100 h\charscalex99 ese\charscalex1
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lex99 mi\charscalex100 ng\expndtw17 \charscalex99\expndtw1 s\expndtw0 tic\chars
calex100 k\charscalex99\expndtw-1 l\charscalex100\expndtw0 y\cf0\f0\par\pard\sa1
8\sl-120 \f0\fs12\par\pard\li460\ri-20\sl240\slmult1 \cf0\charscalex99\fs24 ma\c
harscalex100 n\charscalex99 a\charscalex100 g\charscalex99\expndtw-1 e\expndtw0
rs\charscalex100\expndtw4 \expndtw0 o\charscalex99 f\charscalex100\expndtw2 \c
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ndtw0 em\expndtw-1 i\expndtw0 -\charscalex100 u\charscalex99 r\charscalex100 b\c
harscalex99 a\charscalex100 n\expndtw3 \expndtw0 b\charscalex99 ra\charscalex10
0 n\charscalex99 c\charscalex100 h\charscalex99 es\charscalex100\expndtw2 \expn
dtw0 g\charscalex99 e\charscalex100 n\charscalex99 eral\expndtw-1 l\charscalex10
0\expndtw0 y\expndtw5 \charscalex99\expndtw0 sa\charscalex100 n\charscalex99\ex
pndtw-1 c\expndtw0 t\expndtw-1 i\charscalex100\expndtw0 on\expndtw3 \charscalex
99\expndtw0 t\charscalex100 h\charscalex99 ese\charscalex100\expndtw4 \charscal
ex99\expndtw0 l\charscalex100 o\charscalex99 a\charscalex100 n\charscalex99 s\ch
arscalex100 .\expndtw2 \charscalex99\expndtw0 I\charscalex100 n\expndtw2 \char
scalex99\expndtw0 t\charscalex100 h\charscalex99 e\charscalex100\expndtw3 \char
scalex99\expndtw0 c\charscalex100 h\charscalex99 a\charscalex100 ng\charscalex99
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ex100\expndtw62 \expndtw0 n\charscalex99 ew\charscalex100\expndtw63 \expndtw0
p\charscalex99 r\charscalex100 ud\charscalex99 e\charscalex100 n\charscalex99 ti
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harscalex100\expndtw62 \charscalex99\expndtw0 a\charscalex100 nd\expndtw62 \ch
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3 \expndtw0 on\expndtw62 \expndtw0 qu\charscalex99 alit\charscalex100 y\expndt
w63 \charscalex99\expndtw0 le\charscalex100 nd\charscalex99\expndtw-1 i\charsca
lex100\expndtw0 ng\expndtw63 \charscalex99\expndtw0 a\charscalex100 nd\expndtw6
2 \expndtw0 p\charscalex99 r\charscalex100 o\charscalex99 fitab\expndtw-1 i\exp
ndtw0 lit\charscalex100 y,\cf0\f0\par\pard\sa18\sl-120 \f0\fs12\par\pard\li460\r
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harscalex100\expndtw7 \charscalex99\expndtw0 s\charscalex100 hou\charscalex99\e
xpndtw-1 l\charscalex100\expndtw0 d\expndtw7 \charscalex99\expndtw0 ma\charscal
ex100 k\charscalex99 e\charscalex100\expndtw7 \charscalex99\expndtw0 it\charsca
lex100\expndtw5 \charscalex99\expndtw0 am\charscalex100 p\charscalex99 l\charsc

alex100 y\expndtw7 \charscalex99\expndtw0 clear\charscalex100\expndtw7 \charsc
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lex100 n\charscalex99\expndtw-1 t\expndtw0 ial\charscalex100\expndtw6 \expndtw0
bo\charscalex99 rr\charscalex100 o\charscalex99\expndtw1 w\expndtw0 ers\charsca
lex100\expndtw6 \charscalex99\expndtw0 t\charscalex100 h\charscalex99 at\charsc
rscalex100\expndtw6 \charscalex99\expndtw0 re\expndtw1 s\charscalex100\expndtw0
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lex100\expndtw5 \charscalex99\expndtw1 s\expndtw0 care\cf0\charscalex100\f0\par
fs24 a\charscalex100 nd\expndtw51 \charscalex99\expndtw0 t\charscalex100 h\char
scalex99 ese\charscalex100\expndtw50 \charscalex99\expndtw0 are\charscalex100\e
xpndtw51 \charscalex99\expndtw0 mea\charscalex100 n\charscalex99 t\charscalex10
0\expndtw51 \charscalex99\expndtw0 t\charscalex100 o\expndtw49 \charscalex99\e
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alex100\expndtw51 \expndtw0 v\charscalex99 ia\charscalex100 b\charscalex99\expn
dtw-1 l\expndtw0 e\charscalex100\expndtw51 \expndtw0 v\charscalex99 e\charscale
x100 n\charscalex99 t\charscalex100 u\charscalex99 res\charscalex100\expndtw52
\charscalex99\expndtw-1 s\charscalex100\expndtw0 o\expndtw49 \charscalex99\expn
dtw0 t\charscalex100 h\charscalex99 at\charscalex100\expndtw51 \charscalex99\ex
pndtw0 t\charscalex100 h\charscalex99 ese\charscalex100\expndtw52 \charscalex99
\expndtw0 are\charscalex100\expndtw49 \charscalex99\expndtw0 re\charscalex100 p
\charscalex99 ai\charscalex100 d\expndtw51 \expndtw0 on\expndtw50 \charscalex9
9\expndtw0 time\charscalex100\expndtw50 \charscalex99\expndtw0 a\charscalex100
nd\cf0\f0\par\pard\sa18\sl-120 \f0\fs12\par\pard\li460\ri-20\sl240\slmult1 \cf0\
charscalex99\fs24 rele\charscalex100 v\charscalex99\expndtw-1 a\charscalex100\ex
pndtw0 n\charscalex99 t\charscalex100\expndtw23 \charscalex99\expndtw0 t\charsc
alex100 o\expndtw21 \expndtw0 o\charscalex99 t\charscalex100 h\charscalex99 er\
charscalex100\expndtw22 \expndtw0 n\charscalex99 ee\charscalex100 dy\expndtw21
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rs\charscalex100\expndtw21 \charscalex99\expndtw0 f\charscalex100 o\charscalex9
9 r\charscalex100\expndtw22 \charscalex99\expndtw0 im\charscalex100 p\charscale
x99 r\charscalex100 ov\charscalex99\expndtw-1 i\charscalex100\expndtw0 ng\expndt
tw22 \charscalex99\expndtw0 ec\charscalex100 ono\charscalex99 m\expndtw-1 i\exp
ndtw0 c\charscalex100\expndtw23 \charscalex99\expndtw0 l\charscalex100 o\charsc
alex99 t\charscalex100\expndtw21 \expndtw0 o\charscalex99 f\charscalex100\expnd
tw22 \charscalex99\expndtw0 ma\charscalex100 x\charscalex99 i\expndtw-1 m\chars
calex100\expndtw0 u\charscalex99 m\charscalex100\expndtw23 \expndtw0 nu\charsca
lex99 m\charscalex100 b\charscalex99 er\cf0\charscalex100\f0\par\pard\sa18\sl-12
0 \f0\fs12\par\pard\li460\ri-20\sl240\slmult1 \cf0\fs24 o\charscalex99 f\charsca
lex100\expndtw50 \expndtw0 hou\charscalex99 se\charscalex100 ho\charscalex99 l\
charscalex100 d\charscalex99 s\charscalex100 .\expndtw50 \charscalex99\expndtw1
H\expndtw0 e\charscalex100 n\charscalex99 ce\charscalex100\expndtw51 \charscal
ex99\expndtw1 s\expndtw0 elec\expndtw-1 t\expndtw0 i\charscalex100 ono\charscale
x99 f\charscalex100\expndtw51 \charscalex99\expndtw0 ri\charscalex100 gh\charsc
alex99 t\charscalex100\expndtw51 \expndtw0 bo\charscalex99 rr\charscalex100\exp
ndtw-1 o\charscalex99\expndtw0 wers\charscalex100 ,\expndtw50 \expndtw0 v\chars
calex99 ia\charscalex100 b\charscalex99 le\charscalex100\expndtw50 \charscalex9
9\expndtw0 ec\charscalex100 ono\charscalex99 mic\charscalex100\expndtw52 \chars
calex99\expndtw0 acti\charscalex100 v\charscalex99\expndtw-1 i\expndtw0 t\charsc
alex100 y,\expndtw53 \charscalex99\expndtw0 a\charscalex100 d\charscalex99 e\ch
arscalex100 qu\charscalex99 ate\cf0\charscalex100\f0\par\pard\sa18\sl-120 \f0\fs
12\par\pard\li460\ri-20\sl240\slmult1 \cf0\charscalex99\fs24 fi\charscalex100 n\
charscalex99 a\charscalex100 n\charscalex99 ce\charscalex100\expndtw14 \charsca
lex99\expndtw0 a\charscalex100 nd\expndtw14 \charscalex99\expndtw0 ti\expndtw-1
m\expndtw0 el\charscalex100 y\expndtw14 \expndtw0 d\charscalex99 i\expndtw1 s\
charscalex100\expndtw0 bu\charscalex99\expndtw-1 r\expndtw0 seme\charscalex100 n
\charscalex99\expndtw-1 t\charscalex100\expndtw0 ,\expndtw15 \charscalex99\expn
dtw0 c\charscalex100 o\charscalex99 rrect\charscalex100\expndtw15 \charscalex99

\expndtw0 a\charscalex100 nd\expndtw12 \expndtw0 u\charscalex99 se\charscalex10
xpndtw0 f\charscalex100 und\charscalex99 s\charscalex100\expndtw13 \charscalex9
9\expndtw0 a\charscalex100 nd\expndtw13 \charscalex99\expndtw0 time\expndtw-1 l
\charscalex100\expndtw0 y\expndtw15 \charscalex99\expndtw0 rec\charscalex100 ov
\charscalex99 er\charscalex100 y\expndtw15 \charscalex99\expndtw0 f\charscalex1
00\expndtw12 \charscalex99\expndtw0 loa\charscalex100 n\charscalex99 s\charscal
ex100\expndtw14 \charscalex99\expndtw0 is\cf0\charscalex100\f0\par\pard\sa18\sl
-120 \f0\fs12\par\pard\li460\ri-20\sl240\slmult1 \cf0\charscalex99\fs24 a\charsc
alex100 b\charscalex99 s\charscalex100 o\charscalex99 l\charscalex100 u\charscal
ex99 te\expndtw-1 l\charscalex100\expndtw0 y\expndtw31 \expndtw0 n\charscalex99
eces\expndtw1 s\expndtw0 ar\charscalex100 y\expndtw32 \expndtw0 p\charscalex99
re\charscalex100\expndtw29 \charscalex99\expndtw0 c\charscalex100 ond\charscal
ex99 iti\charscalex100 on\charscalex99 s\charscalex100\expndtw31 \charscalex99\
expndtw0 f\charscalex100 o\charscalex99 r\charscalex100\expndtw31 \expndtw0 p\c
harscalex99 re\charscalex100 v\charscalex99 e\charscalex100 n\charscalex99 t\exp
ndtw-1 i\charscalex100\expndtw0 ng\expndtw31 \expndtw0 o\charscalex99 f\charsca
lex100\expndtw30 \charscalex99\expndtw0 mi\charscalex100 n\charscalex99 i\expnd
tw-1 m\expndtw1 i\expndtw0 zi\charscalex100 ng\expndtw31 \charscalex99\expndtw0
0 i\charscalex100 n\charscalex99 ci\charscalex100 d\charscalex99 e\charscalex100
n\charscalex99\expndtw-1 c\expndtw0 e\charscalex100\expndtw33 \expndtw0 o\char
scalex99 f\charscalex100\expndtw30 \expndtw0 n\charscalex99 ew\cf0\charscalex10
calex99\fs24 NPAs\charscalex100 .\cf0\f0\par\sect\sectd\pgwsxn12240\pghsxn15840\
marglsxn1701\margrsxn850\margtsxn1134\margbsxn1134 \pard\plain\sl-240 \f0\par\pa
rd\sa11\sl-80 \fs8\par\pard\li3181\ri-20\sl240\slmult1 \b\ul\cf0\fs36 B\charscal
ex99 I\charscalex100 BL\charscalex99 I\charscalex100 OG\charscalex99 RA\charscal
ex100 PH\charscalex99 Y\b0\ul0\cf0\charscalex100\f0\fs24\par\pard\sl-240 \f0\par
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i100\ri-20\sl240\slmult1\tx820 \cf0\fs22 1.\tab \charscalex99 F\charscalex100 in
ance \charscalex99\expndtw1 I\charscalex100\expndtw0 ndia, \charscalex99 S\chars
calex100 eptembe\charscalex99 r\charscalex100 2005 pp\charscalex99\expndtw-1 -\
charscalex100\expndtw0 957\charscalex99 -\charscalex100 961\cf0\f0\fs24\par\pard
\sl-240 \f0\par\pard\sa5\sl-100 \fs10\par\pard\li100\ri-20\sl240\slmult1\tx820 \
cf0\fs22 2.\tab Cha\charscalex99 r\charscalex100 ted \charscalex99 F\charscalex1
00 inancial \charscalex99 A\charscalex100 naly\charscalex99 s\charscalex100 i\ch
arscalex99 s\charscalex100 , \charscalex99 O\charscalex100 ctob\expndtw-1 e\char
scalex99\expndtw0 r\charscalex100\expndtw1 \expndtw0 2005 pp\charscalex99 -\cha
rscalex100 64\cf0\f0\fs24\par\pard\sl-240 \f0\par\pard\sa3\sl-100 \fs10\par\pard
\li100\ri-20\sl240\slmult1\tx820 \cf0\fs22 3.\tab Cha\charscalex99 r\charscalex1
00 ted \charscalex99 F\charscalex100 inancial \charscalex99 A\charscalex100 naly
\charscalex99 s\charscalex100 i\charscalex99 s\charscalex100 , \charscalex99 O\c
harscalex100 ctob\expndtw-1 e\charscalex99\expndtw0 r\charscalex100\expndtw1 \e
xpndtw0 2007 pp\charscalex99 -\charscalex100 31\charscalex99 -\charscalex100 31\
cf0\f0\fs24\par\pard\sl-240 \f0\par\pard\sa5\sl-100 \fs10\par\pard\li100\ri-20\s
l240\slmult1\tx820 \cf0\fs22 4.\tab Cha\charscalex99 r\charscalex100 ted \charsc
alex99 F\charscalex100 inancial \charscalex99 A\charscalex100 naly\charscalex99
s\charscalex100 i\charscalex99 s\charscalex100 , \charscalex99 N\charscalex100 o
vemb\expndtw-1 e\charscalex99\expndtw0 r\charscalex100\expndtw1 \expndtw0 2007
pp\charscalex99 -\charscalex100 8\charscalex99 -\charscalex100 9\cf0\f0\fs24\par
\pard\sl-240 \f0\par\pard\sa3\sl-100 \fs10\par\pard\li100\ri-20\sl240\slmult1\tx
820 \cf0\fs22 5.\tab Cha\charscalex99 r\charscalex100 ted \charscalex99 F\charsc
alex100 inancial \charscalex99 A\charscalex100 naly\charscalex99 s\charscalex100
i\charscalex99 s\charscalex100 , \charscalex99 A\charscalex100 ugu\charscalex99
s\charscalex100 t 2004 B.\charscalex99 P\charscalex100 . \charscalex99 D\charsc
alex100 haka pp\charscalex99 -\charscalex100 47\charscalex99 -\charscalex100 52\
cf0\f0\fs24\par\pard\sl-240 \f0\par\pard\sa5\sl-100 \fs10\par\pard\li100\ri-20\s
l240\slmult1\tx820 \cf0\fs22 6.\tab Bu\charscalex99 s\charscalex100 ine\charscal
ex99 ss\charscalex100 Today, \charscalex99\expndtw1 M\charscalex100\expndtw-1 a

\expndtw0 y 2006 pp\charscalex99 -\charscalex100 34\cf0\f0\fs24\par\pard\sl-240
\f0\par\pard\sa3\sl-100 \fs10\par\pard\li100\ri-20\sl240\slmult1\tx820 \cf0\fs22
7.\tab Cha\charscalex99 r\charscalex100 ted \charscalex99 F\charscalex100 inanc
ial \charscalex99 A\charscalex100 naly\charscalex99 s\charscalex100 i\charscalex
99 s\charscalex100 , \charscalex99 D\charscalex100 ecembe\charscalex99 r\charsca
lex100\expndtw-1 \expndtw0 2005 pp\charscalex99\expndtw1 -\charscalex100\expndt
w0 25\charscalex99 -\charscalex100 28\cf0\f0\fs24\par\pard\sl-240 \f0\par\pard\s
a5\sl-100 \fs10\par\pard\li100\ri-20\sl240\slmult1\tx820 \cf0\fs22 8.\tab RB\cha
rscalex99 I\charscalex100 Bulletin,\expndtw1 \charscalex99\expndtw0 J\charscal
ex100 uly\expndtw-1 \expndtw0 1999 pp\charscalex99\expndtw1 -\charscalex100\exp
ndtw0 3\expndtw-1 4\charscalex99\expndtw0 -\charscalex100 36\cf0\f0\fs24\par\par
d\sl-240 \f0\par\pard\sa3\sl-100 \fs10\par\pard\li100\ri-20\sl240\slmult1\tx820
\cf0\fs22 9.\tab RB\charscalex99 I\charscalex100 Bulletin,\expndtw1 \charscale
x99\expndtw0 J\charscalex100 anua\charscalex99 r\charscalex100 y 2004 pp\charsca
lex99\expndtw-1 -\charscalex100\expndtw0 17\charscalex99 -\charscalex100 19\cf0\
f0\fs24\par\pard\sl-240 \f0\par\pard\sa5\sl-100 \fs10\par\pard\li100\ri-20\sl240
\slmult1\tx820 \cf0\fs22 10.\tab \charscalex99 A\charscalex100 lok\expndtw1 \ch
arscalex99\expndtw-1 M\charscalex100\expndtw0 ajumda\charscalex99 r\charscalex10
0 , \charscalex99\expndtw1 N\expndtw0 PAs\charscalex100 : Rec\charscalex99 o\cha
rscalex100 ve\charscalex99\expndtw-1 r\charscalex100\expndtw0 y Blue\charscalex9
9 s\charscalex100 , T\charscalex99 r\charscalex100 ea\charscalex99 s\charscalex1
00 u\charscalex99 r\charscalex100 y \charscalex99\expndtw-1 M\charscalex100\expn
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D\charscalex100\expndtw-1 e\expndtw0 c. 2000\charscalex99 )\charscalex100\expndt
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fs22 2.\tab \charscalex99 www\charscalex100 .domainb.com/manag\expndtw-1 e\expnd
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