5<77 Pehn Jgead Heogs Jhvf., Quktg 700 - Ygst Pehn Jgead, LH 11605Pd. 7<5.<4:.0;07 - Lex. 7<5.<4:.5995
5 (Peigs 5 tc 6)
 KB VDG AKZAWKV ACWZV CL VDG LKLVGGBVD MWFKAKEH AKZAWKV KB EBF LCZ PEHN JGEAD ACWBV[, LHCZKFE  AEQG BC. 70 :004 AE 0191::TTTT NJ EY KBF[NEA LGFGZEH JEBO, LQJ, Phekbtkll, vs. KQZEGH E. NEADEFC? BGGBE N. NEADEFC? EB[ EBF EHH WBOBCYB PEZVKGQ AHEKNKBI J[, VDZCWID, WBFGZ, EBF EIEKBQV VDG DGZGKB BENGF KBFK\KFWEH FGLGBFEBV(Q) YDC EZG BCV OBCYB VC JG FGEF CZ EHK\G, YDGVDGZ QEKF WBOBCYB PEZVKGQ NE[ AHEKN EB KBVGZGQV EQ QPCWQGQ, DGKZQ, FG\KQGGQ, IZEBVGGQ, CZ CVDGZ  AHEKNEBVQ? VGBEBV #5, VGBEBV #:, VGBEBV #1, ebf VGBEBV # 6, tdg bengs jgkbi lkatktkcus tc eaacubt lcr pertkgs kb pcssgsskcb, Fglgbfebts. SSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSS/ VDG FGPCQKVKCB CL GZKAE E. MCDBQCB-QGAO  \CHWNG K Peigs 5 - 46 SSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSSS  Muhy ;, :00; 5<77 Pehn Jgead Heogs Jcuhgverf Ygst Pehn Jgead, Lhcrkfe 5:=76 p.n. - :=7; p.n. ZGPCZVGF J[= Fgjcred D. Zcfigrs, AQZ  Acbscr & Esscaketgs Zgpcrtkbi & Vrebsarkptkcb 5<77 Pehn Jgead Heogs Jcuhgverf, Quktg 700 Ygst Pehn Jgead, Lhcrkfe 11605 Pdcbg= 7<5.<4:.0;07
Peig :
5
 EPPGEZEBAGQ=
:
 Cb jgdehl cl tdg Phekbtkll=
1
 MCQGPD NEBAKHHE, MZ., GQU. Lhcrkfe Fgleuht Hew Ircup, P.H.
6
 ;55; Acrpcretg Heog Frkvg Quktg 100
7
 Venpe, Lhcrkfe 11<16
<
 Cb jgdehl cl tdg Fglgbfebts=
9
 VDCNEQ G. KAG, GQU. FWQVKB E. ]EAOQ, GQU.
4
 Kag hgieh, P.E. 5;97 Qebsjurys Yey, Quktg 506
;
 Ygst Pehn Jgead, Lhcrkfe 11655
50555:5156575<59545;:0:5:::1:6:7
Peig 1
5
 K B F G T
:
 PEIG
1
 VGQVKNCB[ CL GZKAE E. MCDBQCB-QGAO 
6
 Fkrgat Gxenkbetkcb jy Nr. Kag 6
7
 AGZVKLKAEVG CL CEVD :57
<
 AGZVKLKAEVG CL ZGPCZVGZ :5<
9
 GZZEVE QDGGV :59
4
 GZZEVE AGZVKLKAEVG :54
;
 ZGEF EBF QKIB BCVKLKAEVKCB :5;
5055
 G T D K J K V Q
5:
 BWNJGZ PEIG
51
 Fglgbfebts' Gxdkjkts E - U 6 Fglgbfebts' Gxdkjkt Z 44
56
 Fglgbfebts' Gxdkjkt Q 551 Fglgbfebts' Gxdkjkt V 556
57
 Fglgbfebts' Gxdkjkt W 5<: Fglgbfebts' Gxdkjkt \ 5<9
5<
 Fglgbfebts' Gxdkjkt Y 596 Fglgbfebts' Gxdkjkt T 59;
59
 Fglgbfebts' Gxdkjkt [ 545 Fglgbfebts' Gxdkjkt ] :06
545;:0:5:::1:6:7
Peig 6
5
 VDGZGWPCB,
:
 (Vdgrgupcb, Fglgbfebts' Gxdkjkts Bc. E
1
 tdrcuid U wgrg nerogf lcr kfgbtklkaetkcb.)
6
 VDGZGWPCB,
7
 GZKAE E. MCDBQCB-QGAO,
<
 wes aehhgf es e wktbgss dgrgkb, ebf eltgr jgkbi lkrst
9
 fuhy swcrb, tgstklkgf es lchhcws=
4
 VDG YKVBGQQ= [gs.
;
 FKZGAV GTENKBEVKCB
50
 J[ NZ. KAG=
55
 U. Acuhf ycu stetg ycur luhh beng lcr tdg
5:
 rgacrf, phgesg.
51
 E. Grkae Ebtckbgttg Mcdbscb-Qgao.
56
 U. Ebf wdet ks ycur juskbgss effrgss3
57
 E. 9900 Ygst Perngr Hebg, P-E-Z-N-G-Z, Jukhfkbi
5<
 F, Eustkb, Vgxes, 949:;.
59
 U. Ebf wdc ks ycur gnphcygr3
54
 E. CbgYgst Jebo.
5;
 U. Dcw hcbi devg ycu jggb gnphcygf jy CbgYgst
:0
 Jebo3
:5
 E. Qkbag Nerad 5;td, :00;.
::
 U. Prkcr tc tdet ycu wgrg gnphcygf jy KbfyNea
:1
 Lgfgreh Jebo, LQJ3
:6
 E. [gs.
:7
 U. Ebf prkcr tc tdet ycu wgrg gnphcygf jy
 
5<77 Pehn Jgead Heogs Jhvf., Quktg 700 - Ygst Pehn Jgead, LH 11605Pd. 7<5.<4:.0;07 - Lex. 7<5.<4:.5995
: (Peigs 7 tc 4)Peig 7
5
 KbfyNea Jebo, LQJ3
:
 E. [gs.
1
 U. [cur tkthg wktd CbgYgst Jebo ks wdet3
6
 E. \kag prgskfgbt, jeboruptay ebf lcrgahcsurg.
7
 U. Vdet desb't adebigf kb ehh tdg verkcus
<
 KbfyNea aerbebtkcbs -- kbaerbetkcbs, K sdcuhf sey3
9
 E. Bc.
4
 U. Bcw, tdg KbfyNea Jebo, LQJ agesgf tc gxkst
;
 Muhy 55td cl hest yger, acrrgat3
50
 E. [gs.
55
 U. Vdet wes teogb cvgr jy tdg LFKA, acrrgat3
5:
 E. [gs.
51
 U. Ebf tdet's wdgb KbfyNea Lgfgreh Jebo, Lgfgreh
56
 Jebo, LQJ tcco cvgr3
57
 E. [gs.
5<
 U. Ebf tdgb es cl Nerad 5;td cl tdks yger,
59
 CbgYgst aeng kb ebf puradesgf tdg essgts cl KbfyNea
54
 Lgfgreh Jebo3
5;
 E. [gs.
:0
 U. Bcw, tdg phekbtkll kb tdks aesg ks KbfyNea
:5
 Lgfgreh Jebo, LQJ, acrrgat3
::
 E. [gs.
:1
 U. Ydgb K sey tdks aesg, K obcw wg'rg sadgfuhgf 
:6
 lcr twc fgpcsktkcbs. K fcb't obcw kl ycu obcw wg'rg
:7
 stertkbi wktd tdg Neadefc aesg.
Peig <
5
 E. Coey.
:
 U. Ycuhf ycu eirgg wktd ng tdet tdg phekbtkll kb
1
 tdks aesg, tdg Neadefc aesg, bc hcbigr gxksts3
6
 E. [gs.
7
 U. Erg ycu ehsc eb cllkagr cl Ncrtieig
<
 Ghgatrcbka Zgikstretkcb Qystgns3
9
 E. Bc.
4
 U. [cu devg skibkbi eutdcrkty tc skib cb jgdehl 
;
 cl Ncrtieig Ghgatrcbka Zgikstretkcb Qystgns es e vkag
50
 prgskfgbt, acrrgat3
55
 E. [gs.
5:
 U. Erg ycu eb cllkagr cl eby ctdgr acrpcretkcb3
51
 E. Bc.
56
 U. Fc ycu devg skibkbi eutdcrkty lcr eby ctdgr 
57
 acrpcretkcb3
5<
 E. [gs.
59
 U. Ydet acrpcretkcbs erg tdcsg3
54
 E. KbfyNea Lgfgreh Jebo, KbfyNea Jebo, LQJ, LFKA
5;
 es rgagkvgr lcr KbfyNea Jebo, LFKA es acbsgrvetcr lcr 
:0
 KbfyNea, Fgutsadg Jebo, Jebo cl Bgw [cro, W.Q. Jebo.
:5
 Ebf tdet's ehh K aeb tdkbo cl cll tdg tcp cl ny dgef.
::
 U. Ydet wes tdg cbg jglcrg W.Q. Jebo cl Bgw
:1
 [cro3
:6
 E. Jebo cl Bgw [cro.
:7
 U. Jebo cl Bgw [cro. Ks tdet Jebo cl Bgw [cro 
Peig 9
5
 Nghhcb3
:
 E. K fcb't obcw.
1
 U. Ydgb ycu sey ycu devg skibkbi eutdcrkty, ks
6
 ycur eutdcrkty tc skib es eb cllkagr cl tdcsg
7
 acrpcretkcbs3
<
 E. Qcng. Fgutsadg Jebo K devg e PCE tc skib es
9
 ettcrbgy-kb-leat. Ctdgrs K skib es eb cllkagr. Vdg
4
 LFKA K skib es ettcrbgy-kb-leat. KbfyNea Jebo ebf 
;
 KbfyNea Lgfgreh Jebo K bcw skib es ettcrbgy-kb-leat.
50
 Ebf bcw K cbhy skib es e vkag prgskfgbt lcr CbgYgst.
55
 U. Es pert cl ycur mcj, dcw cltgb fc ycu ikvg
5:
 fgpcsktkcbs3
51
 E. Vwkag e ncbtd.
56
 U. Qc ycu'rg lenkhker wktd tdg fgpcsktkcb
57
 prcagss ebf wdet tdg ruhgs erg ebf wdet tdg acurt
5<
 rgpcrtgr ks fckbi ebf tdet ycu'rg ubfgr cetd3
59
 E. [gs.
54
 U. Coey. K fcb't bggf tc gxphekb ehh cl tdcsg
5;
 tdkbis tc ycu3
:0
 E. Bc.
:5
 U. [cur mcj futkgs kbahufg supgrvkskcb cl tdrgg
::
 fkrgat rgpcrts ebf 7: gnphcyggs3
:1
 E. Kt fkf.
:6
 U. Coey. Dcw's tdet adebigf3
:7
 E. Hgt's sgg. Bcw K devg twc fkrgat rgpcrts ebf 
Peig 4
5
 69 pgcphg wktd 59 cpgbkbis.
:
 U. Cpgbkbis ngebkbi ycu'rg hccokbi lcr scngcbg
1
 tc lkhh tdcsg pcsktkcbs3
6
 E. [gs.
7
 U. Erg ycu kb aderig cl tdg hcss nkt fgpertngbt3
<
 E. Bc.
9
 U. Ydc ks3
4
 E. Oergb Nestrc ks tdg sgbkcr vkag prgskfgbt cl 
;
 hcss nkt.
50
 U. Aeb ycu spghh tdg hest beng, phgesg3
55
 E. N-E-Q-V-Z-C. Cd, K'n scrry. Qdg ks tdg
5:
 lkrst vkag prgskfgbt.
51
 U. Ks sdg bgvgrtdghgss kb aderig cl tdg hcss nkt
56
 fgpertngbt3
57
 E. [gs.
5<
 U. Fc ycu devg tdg eutdcrkty tc sgtthg eby
59
 lcrgahcsurg aesg3
54
 E. Wp tc e agrtekb fchher encubt cl hcss, ygs.
5;
 U. Dcw ks tdet fchher encubt cl hcss fgtgrnkbgf3
:0
 E. Kt fgpgbfs cb wdet tdg sgtthgngbt cllgr hccos
:5
 hkog. Erg ycu esokbi ng dcw -- K ngeb, kt fgpgbfs.
::
 U. Ydc sgts tdg fchher encubt3
:1
 E. Vdg sgbkcr gxgautkvg acnnkttgg.
:6
 U. Cl KbfyNea3
:7
 E. Cl KbfyNea, jut kt wes efcptgf jy KbfyNea
 
5<77 Pehn Jgead Heogs Jhvf., Quktg 700 - Ygst Pehn Jgead, LH 11605Pd. 7<5.<4:.0;07 - Lex. 7<5.<4:.5995
1 (Peigs ; tc 5:)Peig ;
5
 Lgfgreh ebf des jggb efcptgf jy CbgYgst, ygs.
:
 U. K'hh prcjejhy jg fckbi tdet ehh eltgrbccb.
1
 Qc tdebo ycu lcr acrrgatkbi ng. Kl CbgYgst ks tdg
6
 acrrgat ebswgr tc tdet, phgesg lggh lrgg tc hgt ng
7
 obcw.
<
 Es pert cl ycur mcj futkgs, ycu pgrscbehhy nebeig
9
 tdg ettcrbgy bgtwcro3
4
 E. [gs.
;
 U. Ydet ctdgr mcj futkgs fc ycu devg3
50
 E. K nebeig tdg jeboruptay ebf tdg lcrgahcsurg
55
 prcagss. K ehsc nebeig tdg jrgead prcagss, tdg
5:
 acnphkebag cl tdg jrgead hgttgrs es adebigs erg nefg jy
51
 fkllgrgbt stetgs ebf murksfkatkcbs. Ebf K nebeig e
56
 fgleuht, e lcrgbska fgleuht ircup, rgsgerad ircup tdet
57
 debfhgs gvgrytdkbi tdet's dkid hcss rghetgf, acnphkebag
5<
 rghetgf, dkid hgvgh rgsgerad.
59
 U. Aeb ycu ikvg ng eb gxenphg cl wdet tdks
54
 lcrgbska ircup fgleuht wcuhf jg rgsgeradkbi3
5;
 E. Yg lcrgahcsg cb e prcpgrty wdgrg tdg kbvgstcr 
:0
 wcb't acvgr tdg efvebags wg'vg nefg. Qc cbg cl tdg
:5
 eufktcrs wcuhf hcco tc sgg kl wg ict epprcveh tc neog
::
 tdet efvebag, kl tdgrg's scng rgescb wg wcuhfb't jg
:1
 igttkbi epprcveh lcr kt, wcro wktd tdg kbvgstcr tc try
:6
 tc igt epprcveh cr wcro tc jkhh kt jeao tc cur 
:7
 cutscurag vgbfcr cr cbg cl tdg lkrns -- bcw, tdks ks
Peig 50
5
 cbg cl vgry neby tdkbis tdet tdgy fc -- wgrg et leuht
:
 lcr e rgescb wdy wg aeb't ahekn lcr tdg efvebags?
1
 texgs, hgt's sey.
6
 U. Qc wdgb ycu sey dkid hcss, ycu'rg rglgrrkbi
7
 tc tdg hcssgs tdet CbgYgst ks gxpgrkgbakbi vgrsus tdg
<
 kbvgstcr tdet ycu'rg fckbi tdg wcro lcr3
9
 E. Vdet's ebctdgr leagt cl wdet's nebeigf kb
4
 tdet ircup. Vdet gxenphg K ievg ycu ks bct bgagsserkhy
;
 e dkid-hcss gxenphg. Dkid hcss ks ebytdkbi wktd e hcss
50
 jgtwggb tdg tcteh fgjt ebf tdg aurrgbt vehug cl :70 cr 
55
 ncrg. Qc tdcsg hcebs, wdgtdgr kt ks cwbgf jy tdg jebo 
5:
 cr cwbgf jy eb kbvgstcr, erg sarutkbkzgf jgaeusg tdg
51
 hcssgs erg herig.
56
 U. Ebf ycu sekf tdet's hcssgs irgetgr tdeb
57
 :70,0003
5<
 E. [gs.
59
 U. Kl e prcpgrty icgs tc lcrgahcsurg ebf tdg
54
 uhtknetg rgacvgry ks ncrg tdeb $:70,000 cl tdg fgjt cb
5;
 tdet prcpgrty, ks tdet scngtdkbi tdet tdg lcrgbska
:0
 fgleuht ircup wcuhf stufy3
:5
 E. Bct lrcn tdet pgrspgatkvg.
::
 U. Kb ctdgr wcrfs, tdgy'rg bct acbagrbgf ejcut
:1
 hcssgs fug tc prcpgrty vehugs ickbi fcwb3
:6
 E. Vdet's gacbcnka, sc kt's jeogf kbtc tdg
:7
 gquetkcb cl wdet tdgy wcuhf rgvkgw, jut eb gacbcnka
Peig 55
5
 rgescb, hkog tdg prcpgrty vehugs ickbi fcwb kb tdg
:
 stetg cl Aehklcrbke, kl scngtdkbi stetkstkaeh, kt
1
 fcgsb't ngeb tdet tdgy fcb't rgvkgw kt tdg seng wey
6
 tdgy wcuhf rgvkgw scngtdkbi tdet wes bct stetkstkaeh,
7
 jut wg fc -- wg erg oggpkbi kb nkbf tdet prcpgrty
<
 vehugs erg fgargeskbi gvgrywdgrg. Vdg dkid-hcss vehug
9
 usgf tc jg $500,000 wdgb K lkrst stertgf wcrokbi et
4
 KbfyNea Jebo ebf des kbargesgf tc :70,000 lcr tdet
;
 rgescb.
50
 U. Ycuhf kt stufy e aesg wdgrg e vchubtery
55
 fksnksseh wes gbtgrgf ebf tdg cppcskbi acubsgh def tc
5:
 jg pekf lggs3
51
 E. Bc.
56
 U. Bc3
57
 E. Bc.
5<
 U. Eby ctdgr mcj futkgs tdet wg devgb't tehogf 
59
 ejcut3
54
 E. Bc.
5;
 U. Cbg cl ycur mcj futkgs ks tc skib fcaungbts3
:0
 E. [gs.
:5
 U. Fc ycu stkhh spgbf eb dcur e fey skibkbi
::
 fcaungbts3
:1
 E. Bc.
:6
 U. Coey. Dcw nuad tkng fc ycu spgbf e fey bcw3
:7
 E. Vgb nkbutgs, neyjg.
Peig 5:
5
 U. Ks tdet jgaeusg ycu'rg skibkbi lgwgr 
:
 fcaungbts3
1
 E. Eatuehhy, lrcn tdg hest tkng wg spcog, tdgrg
6
 erg ncrg tdet devg tc jg skibgf jy tdg jebo. Vdg LFKA
7
 fkf bct eirgg tdet cur cutscurag vgbfcr, wdc def pcwgr 
<
 cl eutdcrkty tc skib lcr scng fcas, tdet tdgy fkfb't
9
 hkog tdet kfge sc ehh tdg fcas aeng kb-dcusg. Yg hcst
4
 e acuphg cl \Ps, wdkad ks wdy K, et tdet tkng, wes tdg
;
 nekb skibgr. Bcw tdgrg erg lcur \Ps skibkbi fcaungbts
50
 cr tdet aeb skib lcrgahcsurg fcaungbts, ebf ncst fc,
55
 ebf ny supgrvkscrs erg bcw epprcvgf skibgrs.
5:
 U. Vdcsg erg encbi tdg lcur tdet ycu ngbtkcbgf3
51
 E. Kb effktkcb tc.
56
 U. Coey. Qc dcw neby tcteh kb ycur fgpertngbt
57
 devg eutdcrkty tc skib fcaungbts3
5<
 E. Kb ny fgpertngbt, must spgaklkaehhy kb ny
59
 fgpertngbt lcr lcrgahcsurg- ebf jeboruptay-rghetgf 
54
 fcaungbts, lcur cl us, jut ny pggrs erg ehtgrbetkvg
5;
 skibgrs tc ng, ebf K devg tdrgg pggrs tdet aeb skib es
:0
 eb ehtgrbetkvg tc ny skibeturg.
:5
 U. Ebf wdgb ycu sey pggrs, tdgsg erg
::
 vkag-prgskfgbts --
:1
 E. [gs.
:6
 U. -- cl ctdgr fgpertngbts3
:7
 E. [gs.
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