Business pre-loss planning guide

8/8/2019 Business pre-loss planning guide

http://slidepdf.com/reader/full/business-pre-loss-planning-guide 1/27

WVE*N@RR

WNAKKLKI IULME



]dlr m`bujek} lr ak lk}v`mub}l`k }` Mlrar}ev Wnakklki akm Ver}`va}l`k+ Lc |ù ave buvveketwevlekblki ak ejeviekb|. b`k}ab} 433 VEB@SEV $1*433*926*3429, c`v arrlr}akbe+

]afne `c B`k}ek}r

Lk}v`mub}l`k

Wve*N`rr Wnakklki

]de Wnak

Ya}ev Majaie Quer}l`kkalve

Clve Majaie Quer}l`kkalve

Verùvber

Wnakklki Bdebonlr}

Bnaljr Bdebonlr}

W`}ek}lan Bnaljr L}ejr

W`rrlfne Et}va Etwekrer

C`vjrSekm`vr

Daxavmr

Wnakklki B`jjl}}ee

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&Mlrar}evr dawwek‚‣+ akm ydek }de| m`. }de| ave w`}ek}lann| ek`vjùr vlror }` r}vub}uver akm }d

b`k}ek}r+ Jak| `c }de n`rrer lkcnlb}em `k wd|rlban r}vub}uver akm }delv b`k}ek}r bak fe as`lmem+ Cjuna}lki a mlrar}ev wnak akm }aolki }de keberrav| wvesek}a}lse jearuver ja| jl}lia}e }de mer}v}lse ecceb}r lk }de esek} `c a ba}ar}v`wde+ Ilsek }de lkesl}aflnl}| `c ka}uvan mlrar}evr. wvesek}l`k ià n`ki ya| }`yavm wv`}eb}lki nlser. raslki fulnmlkir akm vemeejlki }de flnnl`kr `c m`nnavr rwek} vewalvr+ ]deve lr k` mùf} }da} wnakklki adeam bak rase f`}d nlser akm wv`wev}|+

]deve ave }y` b`jj`k mek`jlka}`vr }da} awwn| }` }de wdln`r`wd| `c mlrar}ev wnakklki+ 1, K` `}dùid} l} bùnm `v yùnm esev dawwek }` }dej+ 6, ]d`re yd` wnakkem yeve vewalm bùk}ne}ljer `sev+ D`y0 F| raslki nlser. wv`wev}| akm lk jak| barer }delv furlkerr+

]de iànr `c a furlkerr b`k}lkul}| wnak `v b`k}lkiekb| wnak lkbnume. fu} ave k`} nljl}em }` }de c`nn`lki8

… Jlkljlxe lk}evvuw}l`kr }` furlkerr `weva}l`kr

… Nljl} }de resevl}| `c }de mlrvuw}l`k

… Er}afnlrd an}evka}lse jeakr `c `weva}l`k

… Veruje bvl}lban `weva}l`kr yl}dlk a rweblclem }lje ac}ev a mlrar}ev

… Etweml}e }de ver}`va}l`k `c revslber

… Arruve bur}`jevr }da} }delv lk}ever}r ave wv`}eb}em

… Jalk}alk a w`rl}lse ljaie `c }de `viaklxa}l`k

… Jlkljlxe clkakblan n`rr

… ]valk wevr`kken akm cajlnlavlxe }dej yl}d ejeviekb| `weva}l`kr

… Er}afnlrd ayavekerr

Vebìkl}l`k akm ure `c |ùv etwevlekbe nesen lr wavajùk} }` }de `sevann rubberr `c a b`k}lkul}| wivaj+ Yl}d }da} lk jlkm. }de iàn `c }dlr iulme lr }` er}afnlrd r`je rljwne wavaje}evr+ ]dlr iulmelk}ekmem }` wv`slme ak `sevsley `c r`je `c }de farlb lrruer arr`bla}em yl}d furlkerr b`k}lku

wnakklki+ ]de b`k}ek} lr farem `k }de arrujw}l`k }da} ann veamevr dase a iekevan y volki okèmie akm farlb }ebdklban rolnnr lk b`k}lkul}| `v b`k}lkiekb| wnakklki+ Esek }dùid ab}uan wv`muver ylnn fe mlrburrem lk rufrequek} }et}. }de ja}evlanr mlrburrem lk }dlr iulme ylnn fe lk ieke

c`vj+

Lk}v`mub}l`k



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„Wnakklki c`v }de y`vr} lr }de fer} c`v |ùv furlkerr+‚

Etebu}lse Ruww`v}]de clvr} r}ew lk mesen`wlki a mlrar}ev wnak lr }` `f}alk etebu}lse ruww`v}+ Yl}dù} rubd ruww`v}. verùvber keberrav| }` abb`jwnlrd }de `sevann }aro ja| kesev fe ann`ba}em+ Ydek wverek}lki b`kbew} }` uwwev jakaiejek} l} ylnn fe keberrav| }` rdave }de `fheb}lser `c ljwnejek}lki }wvìvaj. fu} fe wvewavem }` mlrburr }de arr`bla}em fumie}+ Lk }da} veiavm. l} lr anr` ylre }` wver}de b`krequek}lan b`r} `c k`} daslki a wnak lk ecceb}+

Wnakklki B`jjl}}ee akm ]delv Verw`krlflnl}ler]dlr b`jjl}}ee rdùnm `sevree }de mesen`wjek} akm ljwnejek}a}l`k c }de wnak+ C`v }de wnak }`rubberrcun. jejfevrdlw `k }de b`jjl}}ee jur} vecneb} a d`nlr}lb awwvàbd lkbnumlki lkwu} cv`j mewav}jek}r ann`ylki eabd }` rdave }de slrl`k akm }delv b`kbevkr cv`j }de wnak“r lkcakb| ljwnejek}a}l`k }` arruve wv`wev b`jjuklba}l`k+

… B`jjl}}ee Bdalvwevr`k8 Mlccevek} `viaklxa}l`kr ure mlccevek} }l}ne merlika}l`kr? FurlkeB`k}lkul}| Wnakkev $FBW,. Vlro Jakaiev. Veb`sev| B``vmlka}`v. e}b+. fu} veiavmnerr }evjlk`nì| }dlr lkmlslmuan lr }de wevr`k verw`krlfne c`v `sevann r|kbdv`klxa}l`k `c a veb`swv`heb} `v bnalj+ Lk navie b`vw`va}l`kr }deve lr uruann| a merlika}em Vlro Jakaiev yb``vmlka}er }de savlùr lkruvakbe b`sevaie akm ab}r ar a nlalr`k fe}yeek }de mlrar}ev slbakm }de lkruvakbe b`jwak|+ Ar }de wvljav| wav}| lk }de veb`sev| wv`berr. }de wevr`k ilsek }jlrrl`k jur} dase }de au}`k`j| akm au}d`vl}| }` jaoe meblrl`kr `c ejeviekb| akm arrejfne revslber ar keemem+

… Etebu}lse lk Bdavie8 Ak Etebu}lse lk Bdavie ylnn un}lja}en| fe denm abbùk}afne c`v }de ek}ek}evwvlre akm ylnn fe verw`krlfne c`v etebu}lki $rliklki, ak| m`bujek}r keberrav| }` etwem}de veb`sev| wv`berr+ Ak ecceb}lsen| b`kr}vub}em veb`sev| wnak lkbnumer }de meneia}l`k `c wvàu}d`vl}| cv`j }dlr etebu}lse }` }de FBW+

… Amhur}ev8 Rlkbe }de lkruvakbe amhur}ev lr jakailki }de verùvber `c }dlvm*wav}| `viaklxa}l`

}de| ave `fnlia}em }` vewverek} }de lkruvev“r lk}ever}+ L} lr }de merlve `c j`r} bnaljr wevr`kkewv`slme ak| arrlr}akbe }` jaoe }de bnaljr wv berr i` ar rj``}dn| ar w`rrlfne+ Lkwv`cerrl`kan vena}l`krdlw. }de keemr `c }de bur}`jev akm }de lkruvev keem k`} fe amsevravYdek b`kr}vub}lki }de wnak. l} lr amslrafne }` wvàb}lsen| reeo }de wav}lblwa}l`k `c }de lkruakm }delv merlika}em bnaljr vewverek}a}lse }` arruve b`jjuklba}l`k akm ekruve }da} r}efelki }aoek ave fer} wvab}lber+

Wve*n`rr Wnakklki



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… Aiek}/Fvòev8 Lk amml}l`k }` }de verw`krlflnl}| `c amjlklr}va}lki }de lkruvakbe w`nlb|. |ùv ai`v fvòev ylnn arrlr} lk }de bnaljr vew`v}lki wv`berr+ ]de| rdùnm anr` ab} ar a nlalr`k fe}yeek

mlrar}ev slb}lj. lkruvakbe bavvlevr akm `}dev rljlnav vewverek}a}lser+ ]dere wv`cerrl`kanr dab`krlmevafne ajùk} `c etwevlekbe lk }dlr bawabl}| akm bak anr` wv`se }` fe a sanuafne verùydek arrejfnlki `}dev sekm`vr rubd ar ransaie aiek}r. ver}`va}l`k revslber. }ejwèqulwjek} akm `}dev rljlnav revslber+ ]de fvòev ylnn ab} ar ak ams`ba}e c`v }de mlrar}ev slb

akm bak arrlr} ydek mlccevekber fe}yeek }de lkruvem akm }de lkruvev avlre+

… Wv`wev}| @ykev8 Lk rl}ua}l`kr lks`nslki }ekak}/fulnmlki `ykev meblrl`kr }de wv`wev}| `yrdùnm fe lkbnumem lk }de wnakklki wv`berr }` arruve au}d`vl}| lc akm ydek a mlrar}ev rd`

r}vloe+ Ak| meblrl`k }da} lkbnumer r}vub}uve vena}em lrruer ylnn vequlve }delv wav}lblwa}l`k lkveb`sev| wdare. }dur }de keem c`v wvàb}lse lkbnurl`k+

… Mewav}jek} Neamevr/Meneia}er8 Vewverek}a}lser cv`j `weva}l`kr. ruww`v}. lk}eiva}em r|r}e

b`jjuklba}l`kr. abbùk}lki. veb`vmr jakaiejek}. wevr`kken. yavedùre akm mlr}vlfu}l`k ak| `}dev wev}lkek} mewav}jek}r jur} wav}lblwa}e akm rufjl} }de keberrav| lkc`vja}l`kb`jwne}e a Vlro Akan|rlr+ ]de| jur} vesley }delv cukb}l`k lk }de `viaklxa}l`k akm me}evjlkew`}ek}lan ljwab} arr`bla}em yl}d ak| w`rrlfne mlrar}ev+

… Wuvbdarlki8 Lk amml}l`k }` }de w`}ek}lan keem c`v vewnabejek} `c vay r}`bo akm ja}evlanr. }dev}de sev| vean w`rrlflnl}| `c ù}rùvblki wv`mub}l`k `v revslber `k ak lk}evlj `v n`ki*}evj fa]de wv`buvejek} wv`berr rdùnm ann`y c`v rubd b`k}lkiekbler ar yenn ar wvàb}lsen| reeo „mlraveb`sev|‚ sekm`v revslber ydlne lk k`vjan furlkerr `weva}l`kr va}dev }dak a}}ejw}lki }` m` r

}de verun}lki bda`r }da} bak. akm uruann| mèr. c`nn`y ak| ba}ar}v`wdlb esek}+

Vesley Lkruvakbe W`nlb|]de }lje }` vebìklxe wv`fnejr lr wvl`v }` ak lkruvakbe bnalj+ ]` as`lm }de ruvwvlrer b`jj

ekbùk}evem lk }de ac}evja}d `c a ba}ar}v`wdlb esek}. vesley |ùv w`nlb| bavecunn|+ Wa| wav}lba}}ek}l`k }` bnaurer. etbnurl`kr. sanuer akm nljl}r. furlkerr lk}evvuw}l`k. mewvebla}l`k akm `rljlnav lrruer+ L} lr r}v`kin| veb`jjekmem }da} }dlr r}ew fe wevc`vjem lk b`khukb}l`k yl}d |ùv ai`v fvòev+

Veiuna}lki Au}d`vl}lerLk }de ac}evja}d `c a ba}ar}v`wdlb esek}. yde}dev l} lr ak lr`na}em clve. a veil`kan cn``m `v duvvlbmajaie. }deve lr a r}v`ki nloenld``m }da} `ke `v j`ve i`sevkjek} au}d`vl}ler ylnn fe lks`nsem lkejeviekb| verw`kre+ \ùv wnak keemr }` lkb`vw va}e d`y }d`re i`sevkjek} au}d`vl}ler ja| lj}de veb`sev| `c |ùv furlkerr+

Rdùnm a clve `bbuv. |ù keem }` fe „`k }de raje waie‚ ar }de n`ban clve mewav}jek}+ ]de| ylnn yakok`y }da} |ù dase ak esabua}l`k wnak akm }da} ann r}acc jejfevr ave cajlnlav yl}d }de erbawe vùakm }de vann| w`lk}+ \ùv cablnl}| rdùnm mlrwna| }de wv`wev wnabavmr }` k`}lc| ejeviekb| verw`kmev}de w`}ek}lan vlror akm daxavmr ayal}lki lkrlme+ Wvàb}lse mlrburrl`kr yl}d vewverek}a}lser `c }demewav}jek} bak. k`} `kn| denw |ù ar |ù arrejfne |ùv wnak. fu} anr` wv`slmer ak asekueb`jjuklba}l`k }` }d`re au}d`vl}ler }da} ylnn ljwv`se b``weva}l`k ydlne denwlki }dej ukmevr}|ùv wvl`vl}ler+



=

Rdùnm ak avea ylme esek} `bbuv. l} lr dlidn| nloen| }da} nay ekc`vbejek} ylnn fe u}lnlxem }` fvlki àkm rebuvl}| }` }de acceb}em veil`k+ Juklblwanl}ler. bùk}ler. r}a}er akm veil`kr eabd ja| dase a

lk }de veb`sev| wv`berr+ Rlkbe }dlr savler r` mvar}lbann| cv`j veil`k }` veil`k. l} lr lkbujfek} uw`kb`jjl}}ee bdalvwevr`k `v }delv meneia}e }` lkser}lia}e }de w`nlb| lk }delv verweb}lse mlr}vlb}+ Ialkabberr }` |ùv cablnl}| bak fe mena|em mvar}lbann| yl}dù} }de wv`wev lmek}lclba}l`k `v bvemek}lanr+}aolki }dere r}ewr lk amsakbe. |ùv wv`cerrl`kan. |e} wevr`kan vena}l`krdlw yl}d }dere aiekbler

etweml}e |ùv veb`sev| wv`berr+

Lc |ù ave meanlki yl}d a bl}| `v juklblwanl}|. |ù rdùnm ok`y yde}dev l} lr }de Ja|`v“r `cclbe. }denlbe mewav}jek}. }de clve javrdan `v `}dev ejeviekb| aiekb| }da} lr }de wvljav| b`k}ab}+ Lc majai

ylmerwveam ekùid }` mecaun} }` bùk}| aiekbler. ylnn l} fe }de rdevlcc“r mewav}jek} `v `}dev mecekre `viaklxa}l`kr0 Ar }de avea etwakmr }` }de r}a}e nesen. }de Mewav}jek} `c Wufnlb Revslbe.i`sevk`v akm esek }de Ka}l`kan Iuavm ja| wna| a wav}+

Lk reseven| acceb}em veil`kr l} lr wv`fafne }da} cemevan i`sevkjek} aiekbler ylnn fe lk b`k}v`n. rubd}de Cemevan Ejeviekb| Jakaiejek} Aiekb| $CEJA,+ Ydek n`rrer lks`nse rurweb}em cùn*wna| rubdavr`k `v etwn`rlser. }de Cemevan Fuveau `c Lkser}lia}l`k $CFL, akm l}r rweblan avj. }de FuveauAnb`d`n. ]`fabb` akm Clveavjr $A]C,. ylnn fe }de b`k}v`nnlki au}d`vl}|+

]de nerr`k }` fe neavkem cv`j }dere lrruer lr }da} ydek ak ejeviekb| rl}ua}l`k avlrer `v lr mebnajak| `c }de savlafner lks`nsem ja| fe fe|`km |ùv b`k}v`n+ F| }aolki }de }lje }` me}evjlke yd`nloen| wav}lblwak}r ylnn fe lk }da} }lje `c bvlrlr bak mvar}lbann| abbeneva}e |ùv abberr akm }dur |veb`sev| wv`berr+

Bawl}an Arre} Lksek}`v|Lk }de wevceb} y`vnm. |ù anveam| dase abberr }` a nlr} merbvlflki lk me}aln eabd wlebe `c equlwjakm jabdlkev|+ Lk }de vean y`vnm. l} lr j`ve wnaurlfne }da} rubd ak lksek}`v| ylnn keem }` fe

r}vub}em+ Ydek arrejfnlki }de lksek}`v|. }de l}ej rdùnm fe lmek}lclem f| }|we. jakucab}uvev. `vlilkan b`r} lkbnumlki cvelid}. lkr}anna}l`k. wevlwdevanr akm j`mlclba}l`kr+ L} lr k`} keberrav| }` u}a }dlvm*wav}| sekm`v }` b`jwne}e a c`vjan nlr} akm awwvalran? l} bak fe abb`jwnlrdem urlki lk}everùvber+ @c}ek `jl}}em cv`j }dere lksek}`vler ave }d`re l}ejr ydlbd yeve wuvbdarem ar ieketwekrer va}dev }dak bawl}anlxem `v yd`re f`ò sanue dar feek aj`v}lxem akm lr k` n`kiev `k

nemiev+ ]dere l}ejr r}lnn dase sanue }` `viaklxa}l`kr akm }` }de bnaljr akm }devec`ve jur} fe lkbnulk }de lksek}`v| wv`berr+ ]de lksek}`v| rdùnm fe uwma}em wevl`mlbann| $a} near} akkuann|, akmb`vmem sla wd`}ìvawd `v slme`}awe+ Ann lksek}`v| veb`vmr rdùnm fe muwnlba}em. akm }de reb`kmrdùnm fe oew} lk a clve*verlr}ak} r}`vaie cablnl}| `cc bajwur+

Sl}an Veb`vmrAialk. lk a wevceb} y`vnm. ann sl}an veb`vmr akm m`bujek}r yùnm fe muwnlba}em akm r}`vem racen| rl}e ydlne b`jwu}ev clner yùnm fe „faboem*uw‚ esev| ma|+ Lk }de vean y`vnm. m`bujek}r ave oew} *rl}e akm etw`rem }` w`}ek}lan wevln. ydlne b`jwu}ev clner ja| i` yeeor fec`ve felki r}`vem wevn|+ Wv`fnejr bak akm ylnn verun} lc }de lkc`vja}l`k `k }dere veb`vmr jur} fe vebvea}em yl}dùawwvalran. lksek}`v| `v nemiev+ Ar a iekevan vune. veb`vmr jakaievr ave r`je `c }de j`r} lkc`vjakm wvàb}lse lkmlslmuanr lk }evjr c wvewavlki a b`k}lkiekb| wnak+ Ar a ivùw }de| }ekm }` reesanue lk }aolki }de keberrav| r}ewr ar yenn ar }de w`}ek}lan baure akm ecceb} `c mlrar}ev rbekavl`r+



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L} lr er}lja}em }da} fe}yeek 5% * 9% etlr} lk l}r `vlilkan c`vj+ L} lr ljw`v}ak} ar }de wv berr lr }ardawe }` meclke yda} veann| lr b`krlmevem sl}an }` |ùv `viaklxa}l`k“r veb`sev| wv`berr+ Me}evjlkcab}`vr lkbnume cemevan jakma}e. furlkerr keemr akm bur}`jev mejakmr+ Lk jak| barer }de muba}e ja| fe ra}lrcab}`v|. fu} r`je lrruer vequlve }de `vlilkan m`bujek} febaure l} lr k`} `kn|lkc`vja}l`k `k }de veb`vm. fu} }de b`kml}l`k `c }de lkc`vja}l`k l}renc+

Furlkerr Ljwab} Akan|rlrY`volki lk b`khukb}l`k yl}d }de abbùk}lki mewav}jek}. }de Furlkerr Ljwab} Akan|rlr $FLAwevc`vjem }` me}evjlke }de „vean m`nnav‚ sanue `c }de furlkerr `v reb}l`k `c }de furlkerr felki ùb`jjlrrl`k+ A cukb}l`k `c }de FLA lr }` er}afnlrd a }ljecvaje c v furlkerr verujw}l`k. ydlbder}afnlrd }de }lje nlke. keemem }` ve}uvk }de cablnl}| }` wve*n`rr b`kml}l`k `v }de keem }` ur}ejw`vav| n`ba}l`k+ A FLA jur} b`krlmev }de lk}evmlrblwnlkav| cab}`vr `c }de savlùr mewav}jek}r er}afnlrd wvl`vl}ler farem `k }delv ljwab} }` }de furlkerr+

Daxavm Akan|rlrJejfevr `c }de wnakklki b`jjl}}ee ylnn fe verw`krlfne c`v ia}devlki ma}a keberrav| }` wvewa

bnalj+ Ydlne }de arrujw}l`k lr }da} }de| ylnn vewverek} ann mewav}jek}r. ye bakk`} arruje }da} ok`y }delv verw`krlflnl}ler k`v yùnm ye arruje }de| ave cajlnlav yl}d }de rekre `c uviekb| vequl@kbe }de| dase feek lmek}lclem. |ù jur} ilse }dej }de awwv`wvla}e }valklki `k }de lrruer vena}e}de }aror }de| ylnn fe arrlikem+

@ke rubd }aro lr }de Daxavm Akan|rlr `v Vlro Akan|rlr+ ]eaj jejfevr rdùnm ekslrl`k wv`rwebn`rr rbekavl`r+ Ak ecceb}lse wnak b`k}alkr a Daxavm Akan|rlr }da} lkbnumer a vakie `c w`rrmlrar}evr+ Akm yde}dev }de| vewverek} ka}uvan. }ebdklban `v dujak }dvea}r+ ]de cukb}l`kan avea `c`viaklxa}l`k rdùnm fe akan|xem }` me}evjlke }de w`}ek}lan ljwab} arr`bla}em yl}d eabd mlrarbekavl` akm ak| vena}em „m`jlk` ecceb}+‚ Rufheb}r }da} rdùnm fe b`krlmevem ave8 Clkakblan Ljwakm Etw`ruver? @weva}l`kr Ljwab}r rubd ar Bur}`jev Revslbe. Vemubem Quanl}|. N`rr `c B`jwe}Amsak}aie? Lk}akilfne Ljwab}r rubd ar Wufnlb @wlkl`k. Ejwn`|ee J`vane akm Ejwn`|ee B`kclmekBvl}lban Furlkerr Cukb}l`kr? Vequlvejek}r c`v Furlkerr B`k}lkua}l`k? akm N`rr `c Bur}`jevr+

Bev}alk wevlnr ave j`ve nloen| }` `bbuv }dak `}devr ydek cab}`vlki m`jlblnem veil`k. rl}e n`ba}fulnmlki b`kr}vub}l`k. }|we `c `weva}l`k. r}`vem ja}evlanr akm `}dev rljlnav b`k}vlfu}`vr+ An}dùiyùnm k`} fe cearlfne }` c`vebar} esev| wv`rweb}lse n`rr. l} lr w`rrlfne }` er}afnlrd resevan ydrbekavl`r+

Ydek b`krlmevlki ak| Furlkerr B`k}lkua}l`k R}va}eiler l} lr ljw`v}ak} }` n`ò a} ann `w}l`kr+ etajwne. ylnn ven`ba}l`k fe keberrav|0 Lc r`. ave |ù fe}}ev revsem }` j`se }` rd`v} }evj n`ba}

rubd ar a d`}en. }de Bdajfev `c B`jjevbe. a bur}`jev `v revslbe wv`slmev cablnl}|0 @v. ave |ù revsem }` j`se }` a n`ba}l`k c v ak et}ekmem wevl`m ydlne vewalvr ave jame0 Lr l} w`rrlfne }` j`}de buvvek} cablnl}|. wevc`vj a vawlm veb`kr}vub}l`k. u}lnlxe k`vjan veb`kr}vub}l`k `v a b`jflka}lànn }dvee0 Bak }de Lk}eiva}em R|r}ejr cukb}l`k urlki ak ejeviekb| iekeva}`v `v lr a d`} rl}e vequlM` }de| dase }de bawaflnl}| }` vuk „jlvv`vem r|r}ejr‚0 Lr }deve a „rlr}ev cablnl}|‚ yl}dlk `viaklxa}l`k. `v mèr }de b`jwak| u}lnlxe }de „b`nm rl}e‚ wvlkblwne0 Lc f| et}ekrl`k }de yavedùmlr}vlfu}l`k bek}ev lr acceb}em. bak |ùv ruwwnlevr d`nm }delv menlsevler0 Bak }de }vakrw`v}a}l`k bav



3

vevù}e menlsevler }` ak`}dev cablnl}| `v fabo*uw rl}e0 Yda} lr vequlvem }` oeew }de nlker b`jjuklba}l`k `wek8 vaml`r. }de wd`ke b`jwak|. bennunav. ra}ennl}e. akm akryevlki revslbRdùnm wv`mub}l`k equlwjek} fe acceb}em. ylnn |ù ver}`ve `v vewnabe0 Lc vewnabejek} lr reneb}em` }de neam*}lje vequlvejek}r `c }de key equlwjek} c`vbe }de keem c`v ver}`vlki ak l}ej esek lc crd`v}*}evj ure0 Lc ver}`va}l`k lr reneb}em. ylnn }de revslber fe wv`slmem lk}evkann| `v et}evkann| f|wv`cerrl`kan ver}`va}l`k sekm`v0 Lk `vmev }` jalk}alk |ùv ejwn`|ee fare. d`y ylnn wa|v`nn

wv`mubem0 Ylnn l} fe keberrav| }` vevuk a wveslùr wa|v`nn0 Bak ak ù}rlme sekm`v b`jwne}e }}aro0 Bak a „rlr}ev‚ cablnl}| wevc`vj }de mu}| `v lr ak`}dev je}d`m keberrav|0 Ydlne }dere ave k}de `kn| avear `c b`kbevk. }de| m` wv`slme a vewverek}a}lse `sevsley `c w`}ek}lan rl}ua}l`kr }` ekbùk}evem+ ]de b`jjl}}ee jur} ure }de Vlro Akan|rlr }` er}afnlrd wvl`vl}ler c`v }de `sev`weva}l`k `c }de wnak+

Wnak c`v a w`}ek}lan n`rr f| wu}}lki r`je c`ve}dùid} lk}` n`rr rbekavl`r fec`ve }de| `bbuv+ Ja`viaklxa}l`kr dase ak er}afnlrdem wv`berr yl}d }de af`se jek}l`kem b`jw`kek}r lk bare `c a ve`v }dvea}ekem ba}ar}v`wdlb esek}+ Oeew lk jlkm }da} f| ekslrl`klki }dere j`bo rbekavl`r. l} yjaoe }de bnalj re}}nejek} wv`berr earlev. jlkljlxe furlkerr lk}evvuw}l`k. akm denw oeew |`

bur}`jevr+



9

BNARR MERLIKA]L@KR

Uw`k k`}lclba}l`k }da} |ù dase rur}alkem a ya}ev majaie bnalj |ù rdùnm dase ak lk}evkbdebonlr} }` me}evjlke d`y |ù ave fer} revsem+ Bnarrlc|lki d`y mlccevek} rl}ua}l`kr yùnm

dakmnem bùnm etweml}e }de veb`sev| wv`berr }vejekmùrn|+ Rlkbe }deve lr nloen| }` fe a b`jjw`lk} `c b`k}ab} lk}evkan }` |ùv `viaklxa}l`k. l} yùnm jaoe rekre c`v }da} lkmlslmuan }` wu} }bnalj n`ba}l`k }dvùid ak lk}evsley wv`berr }` veabd }de w`lk} `c merlika}l`k+ RevslbeJar}ev Bnemerlika}er n`rrer ar Bnarr L. LL. `v LLL+ L} lr }dlr arrerrjek} }da} me}evjlker yd` lr mlrwa}bdem }` }

n`rr c`v lkrweb}l`k akm `v ver}`va}l`k revslber+ Ydlne r`je cnetlflnl}| lr vequlvem. }de c`nn`ylki lkba}`vr vecneb} d`y eabd Bnarr yùnm fe ammverrem+

Bnarr L * }d`re n`rrer ba}ei`vlxem ar Bnarr L bak j`r} nloen| fe wv`mubem f| }de ecc`v}r `c a rlkisekm`v+

Bnarr LL * a Bnarr LL merlika}l`k vequlver }de ecc`v}r `c jun}lwne sekm`vr cv`j a savle}| `c }amlrblwnlker+ Ydlne majaie lr wv`fafn| nlid} }` j`meva}e. }deve lr nloen| }` fe ekùid s nuje }d}de verùvber `c a rlkine sekm`v furlkerr ave etdaur}em+ A slrl} }` }de n`rr rl}e f| a navie*n`rweblanlr} rubd ar RevslbeJar}ev Bneak lr ruiier}em

Bnarr LLL * lk barer ydeve b`jwnetl}| `c }de n`rr akm s`nuje `c majaie ave ivea}ev. }deve ylnn fe }

keem c`v rweblan}| sekm`vr+ Bnarr LLL n`rrer ylnn lkbnume k`} `kn| }de revslber wv`slmem RevslbeJar}ev Bneak akm cvakbdlre verùvber. fu} anr` }de keem c`v `ke rweblan}| revslbe+ ]derevslber lkbnume. fu} ave k`} nljl}em }` eneb}v`klbr. m`bujek} cveexe mv|lki. fulnmlki ekilkeevlki `}dev rweblanlxa}l`k+

]de Wnak



4

NESEN MERLIKA]L@KRYdlne rljlnav r}akmavmr ylnn fe urem }` lmek}lc| clve majaie n`rrer. ak`}dev }evj ylnn fe u}lnlxeClve majaier ylnn fe merlika}em NESENR 1*= farem `k }de lkc`vja}l`k ia}devem muvlki }de lk}evslewv`berr f| a wvljav| b`k}ab} wevr`k+ Bvl}evla urem }` er}afnlrd NESENR 1*5 ave ar c`nn`yr8

NESEN 1 * ave rjann n`rrer lk }evjr `c rquave c``}aie s`nuje+ NESEN 1 n`rrer dase vebelsem nli

akm sav|lki meiveer `c r``} akm `v rjòe majaie+ Amml}l`kann|. a NESEN 1 clve n`rr ylnn fe cveeb`jwnet revslber. rubd ar DSAB. eneb}v`klbr. daxavmùr f|*wv`mub}r. e}b+ NESEN 1 ver}`va}lrevslber bak fe amequa}en| wv`slmem f| }de verùvber `c a }|wlban ma| `weva}`v `v lk}evkann|+

NESEN 6 ‒ }de meivee `c majaie bak vakie cv`j nlid} }` j`meva}e? d`yesev. mue }` }de s`nuje avea acceb}em. naviev `weva}`vr `v cvakbdlre verùvber ylnn fe vequlvem+ R}lnn cvee `c b`jwnetl}rubd ar EMW. DSAB `v Wv`mub}l`k equlwjek} a NESEN 6 clve n`rr ja| vequlve medujlmlclba}lrevslber lc ak| rliklclbak} ya}ev yar lk}v`mubem+ Ydlne a NESEN 6 n`rr ja| fe ecceb}lsen| ver}`vem }de ecc`v}r `c n`ban `weva}`vr. a rl}e slrl} f| a navie*n`rr rweblanlr} ja| fe b`krlmevem+ Ac}ev }bur}`jev dar b`krun}em yl}d a navie*n`rr vewverek}a}lser. uwwev jakaiejek} yùnm meblme yde

}` u}lnlxe }de navie*n`rr rweblanlr} `v dase ak ù}rlme b`krun}ak} `sevree }d`re ecc`v}r akm wv`slmerlkine w`lk} `c b`k}ab} c`v bur}`jev+

NESEN 2 ‒ Ydlne n`ban cvakbdlre vewverek}a}lser bak wv`slme r`je nljl}em ejeviekb| revslberNESEN 2 wv`heb} ylnn fe revsem wvljavln| f| }de verùvber `c a navie*n`rr rweblanlr} rubd RevslbeJar}ev Bneak+ Wv`heb} muva}l`k c a NESEN 2 clve n`rr ylnn asevaie 17 ma|r }` 6 yeeor+ Arja}}ev `c wv`}`b`n a NESEN 2 wv`heb} rdùnm fe lkrweb}em f| a jejfev `c jakaiejek} akm RDean}d akm Race}| Wnakr ylnn fe vequlvem+

NESEN = ‒ lk amml}l`k }` vequlvlki }de verùvber `c RevslbeJar}ev Bneak akm n`ban cvakbdlrer.NESEN = clve n`rr ylnn bann c`v amml}l`kan arrlr}akbe cv`j Rweblan}| Sekm`vr+ ]de b`jwnetl}| `

NESEN = clve n`rr ylnn keberrl}a}e n`kiev wv heb} muva}l`k. jun}lwne rdlc}r `v f`}d+ A NESEN = wv`heylnn vequlve a naviev s`nuje `c ruwwnler akm equlwjek} }dak wveslùrn| lmek}lclem NeseRevslbeJar}ev Bneak yùnm j`flnlxe slv}uann| ann yavedùre verùvber uw }` akm lkbnumlki re}vab}`v*}valnevr }` wv`slme amequa}e ja}evlanr akm rebuve r}`vaie+ ]de wv`heb} muva}l`k `c a NESENclve n`rr lr ak}lblwa}em }` nar} 2*3 yeeor+

Yvl}e l} m`yk‣Ac}ev }de wnakklki b`jjl}}ee dar wevc`vjem }de }aror arr`bla}em yl}d Vlro Akan|rlr akm reavbdem }de savlùr l}ejr arr`bla}em yl}d }delv mewav}jek}. }de bdalvwevr`k rdùnm wv`slmer}akmavm c`vja} }da} me}alnr ann wv`bemuver lkbnumem lk }de veb`sev| wnak+ ]` ekruve }da} }de wn

ylnn fe ecceb}lse. }de wnakkev jur} emuba}e akm }valk }de ek}lve `viaklxa}l`k+ A rweb}abunav wnb`k}alkem lk ak ljwverrlse wverek}a}l`k c`vja} ylnn dase afr`nu}en| xev` ljwab} lc l} lr k`} rdavyl}d }de we`wne yd` keem }` ok`y. }de `viaklxa}l`kr ejwn`|eer+



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1+ Lr }de acceb}em cablnl}| a8

Rlkine Fulnmlki Rlkine Rl}e*Jun}lwne Fulnmlki Jun}lwne Rl}e

6+ Lr }deve r}akmlki ya}ev0

2+ Yda} yar }de rùvbe `c }de ya}ev majaie0

Fvòek Wlwe Rwvlkonev Cn``m R}`vj Mvlsek @}dev

=+ Awwv`tlja}en| d`y jubd avea lr acceb}em $lk rquave cee},0

1*65.777 65*95.777 95*177.777 177*677.777

677*577.777 577.777*1J ;1J

5+ Lc }de ya}ev majaie `bbuvvem cv`j a rùvbe }da} bak fe vewalvem $l+e+ fvòek wlwe, `v

rdu}*`cc. dar }da} rùvbe feek vewalvem v rdu}*`cc0

3+ Ave ann u}lnl}ler cukb}l`kan0

9+ Lc k`. yda} u}lnl}ler ave ukasalnafne0

4+ Ave yannr akm/`v belnlkir acceb}em }` }de w`lk} c ra}uva}l`k0

<+ Ave y``m cn``vr wverek}0

17+ Lr }de fulnmlki abberrlfne0 $race}| `v bl}| vmlkakber,

11+ Lc |er. lr }de fulnmlki bneavem c`v ek}v|0

16+ Lr }de fulnmlki rebuve0

12+ Lk amml}l`k }` }de r}vub}uve ave b`k}ek}r acceb}em0

1=+ Ave m`bujek}r acceb}em0

15+ Lc |er. ave }dere m`bujek}r b`krlmevem sl}an0

13+ Lr Lkmur}vlan Wv`mub}l`k equlwjek} acceb}em0

19+ Ave eneb}v`klb l}ejr acceb}em $l+e+ b`jwu}evr. e}b+,0

Ya}ev Majaie Quer}l`kkalve



17

1<+ Dase }dere l}ejr feek }uvkem `cc akm mlrb`kkeb}em c`vj }de w`yev rùvbe0

67+ Dase ak| wvesek}a}lse jearuver feek }aoek }` mena| b`vv`rl`k0

61+ Lc r`. yda}0

66+ Lc |er. dase }de| feek }uvkem `cc akm mlrb`kkeb}em cv`j }de w`yev rùvbe0

62+ Lr rwabe asalnafne }` wnabe eneb}v`klb l}ejr lk a b`k}v`nnafne ekslv`kjek} $l+e+

j`lr}uve*cvee. alv b`kml}l`kem v``j,0

6=+ Dar ma}a feek faboem*uw `k mlro0

65+ Lr }deve a b`jwu}ev v``j yl}d rweblan valrem cn``vlki0

63+ Ave ak| daxavmùr ja}evlanr ok`yk }` fe wverek}0

69+ Lc r`. yda} ave }de|0

64+ Yar fulnmlki b`kr}vub}em wvl`v }` 1<470

6<+ Lc r`. lr }deve m`bujek}a}l`k }` b`kclvj }de fulnmlki lr cvee `c Arfer}`r0

27+ Lr }de fulnmlki buvvek}n| `bbuwlem0

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14+ Lc |er. wneare wv`slme ur yl}d ak `sevsley `c }de }|we `c equlwjek} akm l}r

wvljav| cukb}l`k8



11

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Clve Majaie Quer}l`kkalve

1+ Awwv`tlja}en| d`y jubd avea lr acceb}em0 $lk rquave cee},1 * 57.777 57.771 * 177O 171O * 677O

671O * 577O 571O * 1J ;1J

6+ Yda} yar b`krujem lk }de clve0

Wnar}lb/We}v`neuj Wawev/Y``m Wv`}elk

2+ Yda} yar urem }` et}lkiulrd }de clve0

Ya}ev W`ymev Càj B`jflka}l`k

=+ Yar }de DSAB r|r}ej k akm y`volki a} }de }lje `c }de mlrar}ev0

5+ Lr }de fulnmlki b`krlmevem r}vub}uvann| race0

3+ Lr }de fulnmlki rebuve0 $abberr # lkbnejek} yea}dev,

9+ Ave ann u}lnl}ler asalnafne0

4+ Yda} lr }de wvljav| cukb}l`k c }de cablnl}|0

<+ @k a rbane c 1*17 $nlid} }` deas|,. d`y yùnm |ù va}e }de nesen c rjòe akm

r``} `k d`vlx`k}an akm sev}lban ruvcaber0

17+ Yeve sl}an m`bujek}r b`k}ajlka}em0

11+ Yar wv`mub}l`k equlwjek} etw`rem }` r``} cannù}0

16+ Dase }de `bbuwak}r ve}uvkem }` }delv y`vor}a}l`kr0

12+ Yar ve}aln wv`mub} `v r}`bo acceb}em0

1=+ @k a rbane `c 1*= $= felki }de j`r} mekre,. d`y mekren| w`wuna}em lr }de

r}vub}uve yl}d b`k}ek}r0

15+ Yda} lr }de veanlr}lb }lje cvaje lk ydlbd }de bur}`jev jur} ve}uvk }`

`weva}l`k0

13+ Dase }de awwv`wvla}e meblrl`k*jaoevr feek b`k}ab}em0

19+ Yar ak|`ke lkhuvem a} }de rl}e0



16

14+ Dase lkser}lia}lki `cclblanr ilsek bneavakbe }` feilk ver}`va}l`k wv`bemuver0

1<+ Ave ukl`k ejwn`|eer `v wvesalnlki yaier vequlvem0

67+ Ave ak| daxavmùr ja}evlanr wverek}0

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12

Akm r` l} feilkr‣+

Ab}lsa}e K`}lclba}l`k Wv`}`b`nrB`k}ab} }de awwv`wvla}e n`ban ejeviekb| aiekb|. rubd ar }de w`nlbe `v clve mewav}jek}+ Arrujl}da} }de| dase b`jwne}em }delv }aro `v |ù dase j`sem }` a rase n`ba}l`k. b`k}ab}8

… Lkruvakbe Bavvlev ‒ Sla |ùv vlro jakaiejek} mewav}jek}. aiek}/fvòev `v sla rweblan }`nn cvkujfev. vew`v} }de bnalj }` |ùv lkruvakbe bavvlev+

… Jl}lia}e }de N`rr * Ydlne l} lr ak ljw`v}ak} r}ew. rljwn| bannlki |ùv bavvlev mèr k`} enljlka|ùv `fnlia}l`k }` jl}lia}e ak| cuv}dev majaie+ Lkbnumem lk }de nakiuaie `c slv}uann| lkruvakbe w`nlbler lr a mlrbnaljev d`nmlki }de „lkruvem‚ abbùk}afne c`v }aolki r}ewr }` jl}lia}de n`rr+ $Aro |ùv bavvlev }` vecev a Vawlm Jl}lia}l`k B`jwak| lc |ù ave k`} afne }` wevc`}aro,

… B`jjuklba}l`kr ‒ Lk amml}l`k }` }d`re yd` ave wav} `c }de veb`sev| wv`berr. l} ylnn fe keberra

}` lkc`vj r}acc jejfevr yd` ylnn fe bdaviem yl}d lk}evkan b`jjuklba}l`k }` r}acc jejferuwwnlevr akm `}dev sekm`vr+ L} ja| anr` fe keberrav| }` dase a „r}a}ejek}‚ veam| c`v jemwuvw`rer+ Rdùnm |ùv `viaklxa}l`k dase a dlid wv`clne lk }de b`jjukl}| l} lr fer} }` wvewavejavor wvàb}lsen| akm aww`lk} a rlkine w`lk} `c b`k}ab} c`v }da} v`ne+ ]eaj jejfevr yw`}ek}lann| ja| vebelse rubd lkqulvler cv`j ù}rlme }de `viaklxa}l`k rdùnm fe }valkem `k }m`“ r akm m`k“}r ar yenn ar ydeve }` mlveb} rubd bannr+

… Majaie Arrerrjek} ‒ ]de veb`sev| }eaj rdùnm feilk }de }aro `c majaie arrerrjek} ar ràr vear`kafn| w`rrlfne uw`k vebelslki au}d`vlxa}l`k }` ve}uvk }` }de cablnl}|+ ]dlr }lje rdùnm urem }` ia}dev lkc`vja}l`k `k }de bnalj lkbnumlki wd`}` m`bujek}a}l`k+ Wvl`vl}ler rdùnm c`b`k m`bujek}a}l`k `c n`rr+

… Ver}`ve Clve Wv`}eb}l`k ‒ Lk `vmev }` ve`bbuw| a cablnl}| c`nn`ylki ak ejeviekb| ab}lsa}l`k. }clve wv`}eb}l`k/ruwwverrl`k r|r}ej jur} fe `wevafne `v amequa}e an}evka}lser er}afnlrdeEtajwner lkbnume vewnablki rwvlkonev deamr. vebdavilki }de rwvlkonev r|r}ej. vebdavilki cet}lkiulrdevr. vewalvlki fvòek nlker. e}b+ fu} }deve jur} fe a wv`}eb}l`k r|r}ej lk revslbe+

… Wvesek}a}lse Jalk}ekakbe ‒ @kbe }deve lr k` makiev arr`bla}em yl}d }de acceb}r `c }de n`rfeilk }de wv`berr `c wv`}eb}lki wv`wev}| akm equlwjek}+ Mewekmlki `k }de ajùk} `c wv`weakm }de meivee `c majaie. l} ja| fe keberrav| }` wverevse acceb}em ruvcaber uk}ln rubd }lje cunn*rbane vewalv ecceb}r bak feilk+

… R}av} }de Vebnaja}l`k Wv`berr ‒ Yde}dev lk}evkann| `v urlki ù}rlme verùvber feilk }bneaklki akm ver}`va}l`k wv`berr ar r``k ar w`rrlfne+ L} lr uruann| ylre }` reiveia}e l}ejr lkransaieafne akm ukransaieafne ba}ei`vler+ Lc |ù ave ukruve a Ver}`va}l`k B`jwak| ylnn arryl}d }dlr wv`berr+ Rweblan bave rdùnm fe walm }` l}ejr wv`ke }` cuv}dev majaie rubd ar je}

wawev. e}b+ Etw`ruve }` ya}ev `v r``} f|*wv`mub}r bak baure lvvewavafne majaie lc k`} amverrem lk a }ljen| cardl`k+ Lc ak| rliklclbak} ya}ev yar lk}v`mubem lk}` }de ekslv`kjek}. l} jfe keberrav| }` lkr}ann medujlmlclba}l`k equlwjek} }` r}aflnlxe }de ajflek} alv+



1=

… Oeew ]afr `k B`r}r * L} lr ljw`v}ak} }` |ù akm |ùv lkruvakbe bavvlev }da} we`wne lk }`viaklxa}l`k }vabo }de b`r}r arr`bla}em yl}d }de bnalj wv`berr+ Lk }de bda`r }da} bak c`nn`

ba}ar}v`wdlb esek}r. l} lr ear| }` c`vie} `v `jl} b`r}r arr`bla}em yl}d etwekml}uver verun}lcv`j lkruvakbe bnaljr+ Er}afnlrd rweblan y`vo `v wuvbdare `vmevr. }vabolki kujfevr. `v abùk}lki wv`bemuver }da} veamln| lmek}lc| akm baw}uve etwekrer mlveb}n| vena}em }` }de bnalj+

… Ekab} ]ejw`vav| Vewalvr ‒ Ar ak et}ekrl`k `c jl}lia}lki }de n`rr. }ejw`vav| vewalvr rdùnm wevc`vjem lc b`jj`k rekre `v nìlr}lbr vequlve }dej }` rase. wv`}eb} `v wverevse wv`wev}| equlwjek}+ Lc w`rrlfne b`jjuklba}e |ùv keemr }` bnaljr wevr`kken akm m`bujek} |ùv ecc`lk yda}esev jakkev w`rrlfne+

… B`jwne}e Clkan Vewalvr `v Vewnabejek} ‒ @kbe ann wav}ler dase aiveem `k }de rb`we `c revslbvequlvem }` ve}uvk }` wve*n`rr b`kml}l`k akm cukmr dase feek au}d`vlxem. clkanlxe vewalvr `vkeberrav| vewnabe „}`}anem‚ l}ejr+

… Ve}uvk }` K`vjan @weva}l`kr ‒ Ar }lje wevjl}r akm arrujlki ann ver}`va}l`k akm vewalvr da

feek b`jwne}e. |ù ylnn ve}uvk }` k`vjan `weva}l`kr+ ]dlr ja| fe a ivamuan }vakrl}l`k. fesek}uann| esev|}dlki ylnn fe ar l} yar+ ]de j`ve reajnerr }dlr awweavr. }de nerr nloen|

n`ki*}evj rlme ecceb}r+

Ann I``m ]dlkir Jur} Ekm‣+$Ac}ev }de n`rr,Lkrweb} }de wv`wev}|. f`}d r}vub}uvan akm b`k}ek}+ @kbe }de veb`sev| wv`berr lr b`jwne}e. l} lr }lj}` wvewave c`v w`}ek}lan cu}uve b`k}lkiekbler+ Rlkbe a n`rr dar `bbuvvem. r`je `v ann c }lkc`vja}l`k b`k}alkem lk |ùv wnak ja| fe `fr`ne}e+ Ruf}ne bdakier ja| fe vequlvem `v a b`jwne

`sevdaun `c |ùv wnak ja| fe vequlvem mewekmlki `k }de resevl}| `c majaie etwevlekbem+ Ydlne }ma}a lr cverd. lkrweb} }de wv`wev}| akm m`bujek}. wd`}ìvawd `v slme` }de verun}r akm lkb`vw`va

}dej lk}` }de „key‚ veb`sev| wnak+ B`jjuklba}e }de verun}r `c }de lkrweb}l`k }` }dev jejfevr}de b`jjl}}ee+

Wvab}lbe. Wvab}lbe. Wvab}lbe‣+Ac}ev daslki b`kr}vub}em a wnak. }de j`r} ecceb}lse ya| }` rdave }de slrl`k yl}d `}devr. ar yenn jaoe amhur}jek}r. lr }` etevblre }de wnak+ A rbdemunem wvab}lbe vuk ilser ann wav}ler mewav}jek}r }de `ww`v}ukl}| }` ree ab}l`k r}ewr }da} y`vo. }d`re }da} m`k“}. akm }d`re }da} vequ

r`je }yeaolki+

L}“r k`} veann| `sev‣+Ljwnejek}lki }de wnak lr k`} }de ekm+ L} ylnn fe keberrav| }` wevc`vj wnak jalk}ekakbe `kb`k}lkuan farlr+ Ar a vune `c }dujf. }de wnak rdùnm fe vesleyem `k a fl*akkuan farlr akm veslrakkuann|+ ]dlr akkuan veslrl`k lr vequlvem }` abbùk} c`v uwma}er lk lkc`vja}l`k akm r}va}eilebdakier lk k`}lclba}l`k nlr}r akm }eaj jejfevrdlw. bdakier mue }` amsakber/`fr`ne}l`k Lk}eiva}em R|r}ejr }ebdk`nì|. bdakier lk revslbe wv`slmevr. bdakier lk wv`mub}l`k equlwjek} aesek furlkerr wvl`vl}ler+



15

Verùvber

URLKI A VER]@VA]L@K REVSLBE

Bd``rlki a RevslbeUknerr `ke lr a wv`cerrl`kan lk }de lkruvakbe bnaljr furlkerr `v lks`nsem yl}d vlro jakaiejebdakber ave }de| ave k`} cajlnlav yl}d ak au}`k`jùr lkmur}v|8 ver}`va}l`k+ Ar awwnlem }`

b`k}et} `c }dlr av}lbne. Ver}`va}l`k vecevr }` ve}uvklki wv`wev}| majaiem f| ba}ar}v`wdlb esek}r ruar clve. ya}ev akm rjòe }` wve*majaiem b`kml}l`k+ Ver}`va}l`k lr }de bd`rek sevkabunav feba}de }evj „bneaklki‚ mèr k`} abbuva}en| vecneb} r}ewr vequlvem }` abb`jwnlrd }de `fheb}lse * wve*n`b`kml}l`k+

D`y }` Bd``re

]deve ave }y` wvljav| je}d`mr `c lmek}lc|lki a ver}`va}l`k sekm`v+ Clvr}. akm j`r} b`jj`k. lr }` re}delv revslber lk }de ac}evja}d `c a mlrar}ev+ ]dlr je}d`m lr urem j`r} `c}ek febaure. ar annumemeavnlev. }de bur}`jev lr k`} ayave }da} rubd revslber etlr}+ ]devec`ve. }de| ilse l} k` c`ve}dùi]dur. mlrar}ev slb}ljr clkm }dejrenser cablki a j|vlam `c meblrl`kr ydek dùvr bùk} akm mena|r

dase a ivea}ev ecceb}+ Ar }de wv`wev}| `ykev. }de mlrar}ev slb}lj lr un}lja}en| verw`krlfne c`v bd``r}de ver}`va}l`k sekm`v+ Lc k` vereavbd dar i`ke lk}` wvàb}lsen| lmek}lc|lki a sekm`v. }de mlraslb}lj }|wlbann| venler `k }de amslbe `c }de lkruvakbe b`jwak|“r bnaljr vewverek}a}lse+ Lk m`lki resevan sekm`vr ja| fe b`k}ab}em akm aroem }` rufjl} flmr $rb`wer `c revslbe,+ Cv`j }dere f

meblrl`kr ave uruann| jame farem `k eb`k`jlb bvl}evla+ ]de veamev rdùnm fe amslrem }` b`jw}de rufjl}}em er}lja}er bn`ren|+ Ar a vune `c }dujf. lc }de rb`wer rufjl}}em ave }de raje. }de brdùnm fe sev| rljlnav ar yenn+ A mlr}`v}em vakie `c wvlber uruann| lr ak lkmlba}`v }da} el}dev sekm`vr mlccev lk }delv `wlkl`k `c }de meivee `c majaie. `v `ke `c }de er}lja}`vr dar jame a banbu

}l`k evv`v+ ]de reb`km je}d`m `c rebuvlki a ver}`va}l`k sekm`v lr „wve*reneb}l`k+‚ Daslki a jej`c |ùv `viaklxa}l`k wvàb}lsen| reeo ù} a ver}`va}l`k sekm`v lr dlidn| veb`jjekmem lk mlrarwnakklki+ Dlr}`vlbann|. }dlr r}ew lr b`jj`kn| `sevn`òem ydek }de wnakklki b`jjl}}ee mesen`wfurlkerr veb`sev| wnak+ Wvàb}lsen| reneb}lki a ver}`va}l`k sekm`v wvl`v }` a n`rr bak dase a mvajecceb} `k }de veb`sev| }lje ar ver}`va}l`k revslber bak feilk ljjemla}en|+

Revslbe Vena}l`krdlwrL} lr ljw`v}ak} }` ve*ejwdarlxe a bùwne `c lrruer+ Ar }de wv`wev}| `ykev. |ù ave verw`krlfnereneb}lki }de sekm`vr yd` ylnn wv slme }de revslbe+ Ydlne }de bnaljr vewverek}a}lse lr ak lk}ever

}dlvm wav}|. c`v neian vear`kr. }de aiveejek} jur} fe fe}yeek }de wv`wev}| `ykev akm }de revswv`slmev+ ]devec`ve. }de ver}`va}l`k sekm`v ylnn lkl}la}e ak aiveejek} akm etweb} }de merlikavewverek}a}lse `c |ùv sekm`v }` rlik l}. au}d`vlxlki }de sekm`v }` wv beem+ ]dlr aiveejek} lb`k}vab}. a b`sekak} lc |ù ylnn. fe}yeek }y` wav}ler aiveelki }` jee} }delv verweb}lse `fnlia}l`]de ver}`va}l`k sekm`v rdùnm r}a}e lk yvl}lki. }de revslber }de| ylnn wv`slme. d`y }de| wevc`vj }de }aror. d`y n`ki l} ylnn }aoe akm d`y jubd l} ylnn b`r}+ Lk ve}uvk. |ù aivee }` b`jwekr}dej c`v revslber vekmevem+ Un}lja}en|. }de sekm`v lr abbùk}afne }` }de bur}`jev. }de mlrarslb}lj. akm jur} c`nn`y }delv mlveb}l`k akm rufjl} ann vew`v}r }` }dej+ L} lr nìlban }` ann`y



13

b`jjuklba}l`kr fe}yeek }de sekm`v akm }de lkruvakbe b`jwak|“r bnaljr vewverek}a}lse awv`j`}e }vlna}evan b`jjuklba}l`k muvlki }de wv`berr }` oeew ann wav}ler lkc`vjem+ Lc majaie lr ru}da} l} ylnn vequlve n`ki*}evj ver}`va}l`k ecc`v}r. l} lr k`} ukb`jj`k c`v }de ver}`va}l`k b`jwak| vequer} „wvìverr wa|jek}r+‚ Eabd b`jwak| dar }delv `yk w`nlbler akm wv`bemuver veiavmlki }dja}}ev. akm l} rdùnm fe ammverrem a} }de feilkklki `c }de veb`sev| wv`berr+

Revslbe Bawaflnl}| Mlccevekber Ar yl}d ann lkmur}vler. }deve ave sekm`vr yl}d sav|lki bawaflnl}ler akm verùvber+ C`v }d`re lks`nsyl}d b`k}lkiekb| wnakklki. l} lr j`ve }dak nloen| |ùv lk}ever} ylnn nle yl}d a b`jwak| }da} bawv`slme revslber `k f`}d rjann akm navie rbaner lk b`khukb}l`k yl}d a ylme revslbe avea+ Ydwu}}lki }ìe}dev a veb`sev| wnak. }de b`k}lkiekb| wnakkev jur} b`krlmev a „y`vr} bare‚ rbekavl`+a b`jjevblan cablnl}| lr acceb}em. mèr }de sekm`v felki b`krlmevem dase }de verùvber }` ammve}de fulnmlki akm ann `c }de b`k}ek}r lks`nsem rdùnm cunn*rbane b`k}ajlka}l`k `bbuv0 J`r} sekmàve r}accem akm wvewavem }` jee} a bev}alk s`nuje `c wv`mub}l`k lk a rd`v} wevl`m `c }lje+ Lk barydeve majaie lr r` reseve. `v }de s`nuje `c y`vo }da} jur} fe wv`mubem lk a rd`v} wevl`m `c }ljetbeemr sekm`v verùvber. a ver}`va}l`k sekm`v yd` rweblanlxer lk navie*rbane b`jjevblan revslb

lr }de fe}}ev bd`lbe+ F| b`jwavlr`k. b`jjevblan mlrar}ev slb}ljr dlr}`vlbann| wverek} mlccevebdannekier }dak }d`re ekbùk}evem lk verlmek}lan barer+ C`v etajwne. eneb}v`klbr akm au}`ja}wv`mub}l`k equlwjek} wverek} mlccevek} veb`sev| keemr akm }ebdk`nì| }dak }|wlbann| cùkm lkd`je+ ]devec`ve. }de lmean ver}`va}l`k sekm`v dar }de bawaflnl}| }` amaw} }delv revslbe }` }de kee`c }de bnlek}+ ]de aflnl}| }` b`jwne}e a navie s`nuje `c y`vo lk a rd`v} wevl`m `c }lje lr ljw`v}ak}}de mlrar}ev slb}lj ar yenn ar }de lk}ever}em }dlvm wav}| bnaljr wevr`kken+ Lk bd``rlki }de sekm`vlr anr` ljw`v}ak} }` b`krlmev }delv `fheb}lser akm lk}eivl}|+ A sekm`v yd` lr ylnnlki }` lkc`vj wav}ler `c }de rl}ua}l`k ar l} }vun| lr. va}dev }dak wablc| yl}d „}dlkir |ù yak} }` deav‚ lr lksanuafne arre} }` }de veb`sev| wv`berr+

R}ewr lk Meanlki yl}d a Ver}`va}l`k Sekm`v \ù ylnn yak} }` reneb} a sekm`v yd`j |ù bak }vur}. yd` wv`slmer quanl}| revslbe. yd` wv`slmsanue akm yd` bak verw`km }` |ùv keemr+ Deve ave r`je iulmenlker }` abb`jwnlrd }de }aro+

… Reneb} }de }|we `c sekm`v }da} rul}r |ùv `viaklxa}l`k+ Lc |ùv sekm`v lr m`jlblnem lk `ke n`ba}là „n`ban‚ sekm`v ja| jee} |ùv bvl}evla+ D`yesev. lc |ù dase jun}lwne wv`wev}ler lk savl`n`ba}l`kr abv`rr }de bùk}v|. |ù ylnn wv`fafn| fe fer} revsem }` u}lnlxe a ka}l`kan sekm`v ydar }de verùvber }` jee} }da} `fnlia}l`k+

… Meblrl`k Cab}`vr+ \ù ylnn yak} }` reneb} a ver}`va}l`k sekm`v yd`. k`} `kn| dar }de r}acc aequlwjek}. fu} anr` }de }ebdklban etwevlekbe keberrav| }` jee} }de wv`mub}l`k keem

Ver}`va}l`k ok`ynemie lr a ilsek. fu} reeo }` me}evjlke lc }de| dase }de etwevlekbe keberrav| mean yl}d a b`jjevblan n`rr }da} ja| fe navie ekùid }` equan a ver}`va}l`k sekm`v“r akkuwv`mub}l`k+ ]de mlccevekber fe}yeek a verlmek}lan n`rr akm navie b`jjevblan n`rr bakk`} bawruna}em lk }de rwabe asalnafne deve+ Keemnerr }` ra| etwevlekbe lk }da} aveka lr a keberrlLk amml}l`k }` qulbo verw`kre. `ccevem }yek}|*cùv dùvr a ma|. n`ò c`v a sekm`v }da} sanuer

wevr`kken $akm |ùvr, ekùid }` dase a yvl}}ek dean}d akm race}| wnak+



19

Rlkbe }de nloenld``m etlr}r }da} }de wv`heb} bùnm fe et}ekrlse. l} lr keberrav| }` me}evjlyde}dev `v k`} }de ver}`va}l`k sekm`v dar }de clkakblan aflnl}| }` cukm }de wv`heb} akm amequa

r}acc jejfevr }` abb`jwnlrd }de cea}+ \ù rdùnm me}evjlke lc }de sekm`v dar a „w*veilr}va}l`k‚ wvìvaj }da} jaoer |ù a wvl`vl}| rdùnm a veil`kan mlrar}ev baure ylme rwvemajaie+

… Etweb}a}l`kr+ Lk barer lks`nslki navie*rbane majaie. l} bùnm b`kbelsafn| }aoe n`kiev }` wslme a ukl} b`r} er}lja}e }dak }` b`jwne}e }de }aro+ C`v }dlr vear`k fe wvewavem }` ebùk}ev ]lje akm Ja}evlan b`k}vab}r+ ]dlr je}d`m ann`yr c`v a wv`jw} er}lja}e yl}d jubd wwevy`vo }` c`nn`y+ L}ejr |ù bak etweb} }de sekm`v }` lkqulve afù} lkbnume8 }de }|we `c

blnl}| acceb}em. }de rlxe `c }de cablnl}| jearuvem lk rquave c``}aie. kujfev `c cn``vr `v buflb ceresevl}| `c majaie. rùvbe `c majaie. akm clkann|. d`y qulbon| m` |ù yak} }de }aro b`wne}em+ Rlkbe }de sekm`v dar vlror ar yenn. fe wvewavem }` akryev quer}l`kr afù} }de wv`c`c }de fulnmlki }` lkbnume ak| wveslùr jalk}ekakbe. arfer}`r. daxavmùr ja}evlanr. wd|rlb

daxavmr `v ak| ok`yk b`kbevkr+

…

]dlkir |ù rdùnm ok`y+ Lk amml}l`k }` vecevekber. l} lr nìlban c`v |ù }` yak} }` ok`y r`farlb lkc`vja}l`k afù} }de ver}`va}l`k sekm v+ N`ò bn`ren| a} }de vecevekber wv`slmem akm

}` arbev}alk lc }de| lkbnume bur}`jevr yl}d rljlnav wv`clner }` |ùvr+ ]de etwevlekbe `c }b`jwak| lr ljw`v}ak}. fu} anr` lkqulve afù} }de etwevlekbe `c }de lkmlslmuan wevc`vjlki }arrerrjek}+ Wev}lkek} lkc`vja}l`k rdùnm lkbnume verw`kre }lje. ak| revslbe iuavak}eer a}de rb`we `c revslber `ccevem+

… Clkan R}ew+ Ure }de `ww`v}ukl}| }` wve*reneb} a w`}ek}lan sekm`v wvàb}lsen|. va}dev }dveab}lsen|+ Ydek mlrar}ev r}vloer. |ù ylnn cabe kujevùr mlcclbun} jakaiejek} meblrl`kr+ }aolki }de keberrav| r}ewr }` reneb} }de sekm`v k`y. }de sekm`v lr afne }` ia}dev lkc`vja}lafù} |ùv cablnl}ler }da} ylnn ann`y }dej }` verw`km }` }de rweblclb keemr `c |ùv rl}ua}l`k yl}d

rlik `c uviekb|+ Un}lja}en|. l} ylnn as`lm b`r}n| mena|r arr`bla}em yl}d w`r}*mlrar}ev meblrl`jaolki+ ]dlko `c l} ar ammlki a slv}uan }eaj `c ver}`va}l`k wv`cerrl`kanr }` |ùv r}acc. yl}d`}de ammem `sevdeam+



14

@f}alkem Etebu}lse Ruww`v}

Wnakklki B`jjl}}ee Arrejfnem

@f}alkem Etebu}lse Ruww`v}

Wnakklki B`jjl}}ee Arrejfnem

Lkruvakbe W`nlb| Vesley

Veiuna}lki Au}d`vl}| B`k}ab}em

JuklblwanBùk}|R}a}eCemevan

Bawl}an Arre} Lksek}`v|

Sl}an Veb`vmr Er}afnlrdem

Furlkerr Ljwab} Akan|rlr

Daxavm Akan|rlr

N`rr Bnarrlclba}l`k Er}afnlrdem

Wnak Yvl}}ek

Wvab}lbem

Jalk}alkem

Wnakklki Bdebonlr}

Ma}e Meneia}em }`



1<

Ekab} K`}lclba}l`k Wv`bemuver

Etebu}lserLkruvakbe Bavvlev/Aiek}/Fvòev

Veb`sev| ]eaj

Ljw`v}ak} Lkc`vja}l`k

Kaje akm wd|rlban ammverr

N`rr Rl}e

Ma}e @c N`rr

N`rr ]|we $clve. ya}ev. e}b+,Wv`wev}| Lks`nsem

Meivee `c Majaie

B`k}ab} Kaje

Wd`ke/Cat Kujfevr

Majaie Jl}lia}l`k

Ver}`ve Clve Ruwwverrl`k R|r}ej

Wvesek}a}lse Jearuver

]ejw`vav| Vewalvr

Rebuve Sl}an M`bujek}r

R}av} Vebnaja}l`k

Bnalj Rufjlrrl`k

Rufjl} w`nlbe `v clve vew`v}r

Wav}lan Wa|jek}/Ejeviekb| Cukmr

Rufjl} Er}lja}er

Rufjl} Lks`lber

Rufjl} Wd`}`“r/Slme` m`bujek}a}l`k

Bawl}an Arre} Lksek}`v|

Rweblan B`r}r

Rufjl} fnuewvlk}r. mvaylkir. e}b+

Bnaljr Bdebonlr}

Ma}e Meneia}em }`



67

B`krun} yl}d |ùv abbùk}ak} veiavmlki w`}ek}lan bnalj l}ejr+ ]de| ja| lkbnume }de c`nn`ylki

Amsev}lrlki Neian Ceer

Fam mef}r Nlbekrer

F`kurer @}dev ]ater

Bnalj wvewava}l`k etwekre @sev}lje

B`jjlrrl`kr W`r}aie

B`krun}lki Ceer Wa|v`nn ]at

B`vw`va}e Bdavier Vek}

Mewvebla}l`k Vewalvr/Jalk}ekakbe

Mlrbùk}r Raner Mewav}jek}

Muer akm rufrbvlw}l`kr Ruwwnler

Ekilkeevlki revslber ]enewd`ke

Etwevljek}an etwekrer ]``nlki

Iekevan amjlklr}va}l`k etwekrer ]vasen

Lkruvakbe akm fekecl} b`r} Ukejwn`|jek} b`jwekra}l`k

Lk}ever} U}lnl}ler

Naf`v Y`voev“r B`jwekra}l`k

W`}ek}lan Bnaljr L}ejr



61

Amml}l`kan Jakucab}uvlki Etwekre

Amsev}lrlki

F`kurer

Fulnm*ù} `c ]ejw`vav| Rwabe

Ekilkeevlki Revslbe

Et}va Naf`v

@sev}lje

Ven`ba}l`k Etwekrer

Rebuvl}| Revslbe

]eneb`jjuklba}l`k Lkr}anna}l`k

]ejw`vav| Equlwjek} Vek}an

]ejw`vav| Rwabe Lkruvakbe

]ejw`vav| Rwabe Vek}an

]vakrw`v}a}l`k Etwekrer

]vasen Ann`yakber

U}lnl}ler $nlid}. iar. ya}ev,

W`rrlfne Et}va Etwekrer



Sekm`v ]|we B`k}vab}`v/Sekm`v Furlkerr Wd`ke Ac}e

Avbdl}eb}

Bavwek}ev

B`jwu}ev Revslbe

Ma}a Veb`sev| Revslbe

Eneb}vlblak

Mlrar}ev Ver}`va}l`k #

Veb`kr}vub}l`k Wav}kev 433 VEB@SEV 1*433*926*3429

Sekm`vr

66

Cvelid} RevslbeCveexev Rwabe

Davmyave

Hakl}`vlan Ruwwnler

N`borjl}d

Wer} B`k}v`n

Wnujfev

Vek}an Rwabe * ]ejw`vav|

Vek}an Rwabe * R}`vaie

Vek}an Rwabe * Y`vo @sevcn`y

Rweblan}| L}ej

]enewd`ke

]vubo. Vecvlieva}em

66



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N a k m r n l m e

v r u w w n | c a l n u v e

B d e j l b a n r w l n n

K u b n e a v r w l n n

@ l n r w l n n

Wvljav| $]vliievlki, Daxavmr

n ` y * V l r e C n ` ` m

U v f a k c l v e

u l n m l k i b ` n n a w r e

R d

l w y v e b o

} l * s e d l b n e y v e b o

Eav}dquaoe ◀ ◀ ◀ ◀ ◀ ◀ ◀ ◀ ◀ ◀ ◀ ◀ ◀ ◀

Nakmrnlme ◀ ◀ ◀ ◀ ◀ ◀ ◀ ◀

]rukajl ◀ ◀

Cn``m ◀ ◀ ◀ ◀ ◀ ◀ ◀

N e

Y a } F

J u n

R}`vj ◀ ◀ ◀ ◀ ◀ ◀ ◀

Dujak Ewlmejlb

Akljan Ewlmejlb

Wnak} Ewlmejlb

Vuvan Clve

Uvfak Clve ◀

Nesee/Maj Calnuve ◀ ◀ ◀ ◀

Alvbvac} Yvebo ◀ ◀ ◀ ◀ ◀ ◀

]valk Yvebo ◀ ◀ ◀ ◀ ◀ ◀

Rdlwyvebo ◀ ◀ ◀ ◀

Jun}l*sedlbne Yvebo ◀ ◀ ◀ ◀

Fulnmlki B`nnawre ◀

W`yev Calnuve ◀ ◀

Iar Calnuve ◀ ◀

Ya}ev Ruwwn| Calnuve

Bdejlban Rwlnn ◀ ◀ ◀ ◀

Kubneav Rwlnn ◀ ◀

@ln Rwlnn ◀ ◀ ◀

Alv W`nnu}l`k

Blsln Mlr}uvfakbe ◀ ◀ ◀ ◀ ◀ ◀ ◀ ◀ ◀ ◀ ◀ ◀

Kubneav Yav ◀ ◀ ◀ ◀ ◀ ◀ ◀ ◀ ◀ ◀ ◀ ◀

62



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