320
7/18/2019 Fib Bull02 NMG http://slidepdf.com/reader/full/fib-bull02-nmg 1/320

Fib Bull02 NMG

Embed Size (px)

DESCRIPTION

Fib Bull02 NMG

Citation preview

Page 1: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 1/320

Page 2: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 2/320

Page 3: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 3/320

Page 4: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 4/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 5: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 5/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 6: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 6/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 7: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 7/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 8: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 8/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 9: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 9/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 10: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 10/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 11: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 11/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 12: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 12/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 13: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 13/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 14: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 14/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 15: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 15/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 16: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 16/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 17: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 17/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 18: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 18/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 19: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 19/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 20: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 20/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 21: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 21/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 22: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 22/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 23: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 23/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 24: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 24/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 25: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 25/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 26: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 26/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 27: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 27/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 28: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 28/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 29: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 29/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 30: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 30/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 31: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 31/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 32: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 32/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 33: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 33/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 34: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 34/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 35: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 35/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 36: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 36/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 37: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 37/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 38: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 38/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 39: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 39/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 40: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 40/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 41: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 41/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 42: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 42/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 43: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 43/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 44: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 44/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 45: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 45/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 46: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 46/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 47: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 47/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 48: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 48/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 49: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 49/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 50: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 50/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 51: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 51/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 52: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 52/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 53: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 53/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 54: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 54/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 55: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 55/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 56: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 56/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 57: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 57/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 58: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 58/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 59: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 59/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 60: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 60/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 61: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 61/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 62: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 62/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 63: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 63/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 64: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 64/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 65: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 65/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 66: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 66/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 67: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 67/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 68: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 68/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 69: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 69/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 70: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 70/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 71: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 71/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 72: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 72/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 73: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 73/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 74: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 74/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 75: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 75/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 76: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 76/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 77: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 77/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 78: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 78/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 79: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 79/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 80: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 80/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 81: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 81/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 82: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 82/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 83: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 83/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 84: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 84/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 85: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 85/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 86: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 86/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 87: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 87/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 88: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 88/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 89: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 89/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 90: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 90/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 91: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 91/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 92: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 92/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 93: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 93/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 94: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 94/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 95: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 95/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 96: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 96/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 97: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 97/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 98: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 98/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 99: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 99/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 100: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 100/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 101: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 101/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 102: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 102/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 103: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 103/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 104: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 104/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 105: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 105/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 106: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 106/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 107: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 107/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 108: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 108/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 109: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 109/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 110: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 110/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 111: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 111/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 112: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 112/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 113: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 113/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 114: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 114/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 115: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 115/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 116: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 116/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 117: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 117/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 118: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 118/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 119: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 119/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 120: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 120/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 121: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 121/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 122: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 122/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 123: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 123/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 124: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 124/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 125: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 125/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 126: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 126/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 127: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 127/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 128: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 128/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 129: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 129/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 130: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 130/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 131: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 131/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 132: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 132/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 133: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 133/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 134: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 134/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 135: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 135/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 136: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 136/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 137: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 137/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 138: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 138/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 139: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 139/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 140: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 140/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 141: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 141/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 142: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 142/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 143: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 143/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 144: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 144/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 145: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 145/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 146: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 146/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 147: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 147/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 148: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 148/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 149: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 149/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 150: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 150/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 151: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 151/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 152: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 152/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 153: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 153/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 154: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 154/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 155: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 155/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 156: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 156/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 157: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 157/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 158: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 158/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 159: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 159/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 160: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 160/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 161: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 161/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 162: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 162/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 163: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 163/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 164: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 164/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 165: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 165/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 166: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 166/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 167: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 167/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 168: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 168/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 169: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 169/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 170: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 170/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 171: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 171/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 172: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 172/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 173: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 173/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 174: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 174/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 175: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 175/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 176: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 176/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 177: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 177/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 178: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 178/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 179: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 179/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 180: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 180/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 181: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 181/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 182: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 182/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 183: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 183/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 184: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 184/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 185: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 185/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 186: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 186/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 187: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 187/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 188: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 188/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 189: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 189/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 190: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 190/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 191: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 191/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 192: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 192/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 193: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 193/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 194: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 194/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 195: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 195/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 196: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 196/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 197: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 197/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 198: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 198/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 199: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 199/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 200: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 200/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 201: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 201/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 202: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 202/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 203: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 203/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 204: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 204/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 205: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 205/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 206: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 206/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 207: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 207/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 208: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 208/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 209: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 209/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 210: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 210/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 211: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 211/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 212: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 212/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 213: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 213/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 214: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 214/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 215: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 215/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 216: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 216/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 217: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 217/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 218: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 218/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 219: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 219/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 220: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 220/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 221: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 221/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 222: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 222/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 223: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 223/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 224: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 224/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 225: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 225/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 226: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 226/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 227: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 227/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 228: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 228/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 229: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 229/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 230: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 230/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 231: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 231/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 232: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 232/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 233: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 233/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 234: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 234/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 235: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 235/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 236: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 236/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 237: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 237/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 238: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 238/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 239: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 239/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 240: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 240/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 241: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 241/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 242: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 242/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 243: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 243/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 244: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 244/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 245: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 245/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 246: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 246/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 247: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 247/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 248: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 248/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 249: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 249/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 250: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 250/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 251: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 251/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 252: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 252/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 253: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 253/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 254: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 254/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 255: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 255/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 256: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 256/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 257: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 257/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 258: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 258/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 259: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 259/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 260: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 260/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 261: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 261/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 262: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 262/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 263: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 263/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 264: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 264/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 265: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 265/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 266: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 266/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 267: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 267/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 268: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 268/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 269: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 269/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 270: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 270/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 271: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 271/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 272: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 272/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 273: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 273/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 274: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 274/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 275: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 275/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 276: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 276/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 277: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 277/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 278: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 278/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 279: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 279/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 280: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 280/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 281: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 281/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 282: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 282/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 283: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 283/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 284: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 284/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 285: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 285/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 286: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 286/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 287: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 287/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 288: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 288/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 289: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 289/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 290: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 290/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 291: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 291/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 292: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 292/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 293: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 293/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 294: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 294/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 295: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 295/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 296: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 296/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 297: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 297/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 298: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 298/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 299: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 299/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 300: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 300/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 301: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 301/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 302: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 302/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 303: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 303/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 304: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 304/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 305: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 305/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 306: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 306/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 307: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 307/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 308: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 308/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 309: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 309/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 310: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 310/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 311: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 311/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 312: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 312/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 313: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 313/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 314: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 314/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 315: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 315/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 316: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 316/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 317: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 317/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 318: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 318/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 319: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 319/320

Copyright fib, all rights reserved. This PDF copy of fib Bulletin 2 is intended for use and/or distribution only by National Member Groups of fib.

Page 320: Fib Bull02 NMG

7/18/2019 Fib Bull02 NMG

http://slidepdf.com/reader/full/fib-bull02-nmg 320/320