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  • 7/30/2019 Solution Ideas

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    6 ^olut`oi @ajfs my Fl Hfn 7/5/=36> 66;34;>4 SH

    6 ^olut`ois `i Ift`oifl ^jnur`ty dolajr

    ^olut`oi @ajfs^olv`ie ift`oifl ngflljiejs)

    @ajfs drohFl`stjr U`ll`fh Hfn`ityrj

    Lfst upaftja =36> Fue 35Tjrs`oi 35

    Qfmlj od Noitjits^olut`oi @ajfs @itroaunt`oi =

    Fls otgjr iotjs =

    Eov @a `inlua`ie FAF $ @]^ >F mjttjr systjh v`f tgj Sost Odd nj :

    Horj Sostfl ^jrv`njs 4

    Jxtjia Nohhoi Nfrr`jr 5@hprovj @ido dor @ivjst`eft`ois 7

    @A Qgjdt fia tgj @]^ 0

    Hfn sueejsts 63

    A`sfml`ie @itjrijt Nr`hj Opportui`t`js 61Hfpp`ie Nr`hj Dr`jias 6:

    Hjfsur`ie A`rty Aftf 6:

    @itjrijt Nr`hj SfttjrisAftf Mrjfngjs 64@itjrijt Nr`hj Sfttjris ( Sg`sg`ie 67

    @hprovj Qjng dor Kust`nj =6

    Motngja Sol`nj ]f`as =>Hja`nfl mfnbup =1

    Ajhoerfpg`n mfnbup =:

    Sol`nj ngflljiejs =4

    @iaoor Hfps =4Jnoioh`n Jhmjzzljhjit =0

    @^O Qutor`fl >6

    Sjrsoifl Jxpjr`jinj >>Horj ngflljiejs >1

    Dflsj AIF >1Moeus D`iejrpr`it Jv`ajinj >:Dfb`ie Sgoij ]jnoras >4

    ]jv`s`oi Iotjs >4

    Mlurm >5

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    = ^olut`oi @ajfs my Fl Hfn 7/5/=36> 66;34;>4 SH

    = ^olut`ois `i Ift`oifl ^jnur`ty dolajr

    ^olut`oi @ajfs @itroaunt`oi '> Fue 5)

    @ mjnfhj sjh`(rjt`rja lftj `i =330, fia sooi gfa f ijw gommy odrjsjfrng`ie got top`ns `i tgj ijws;

    Ugft tgj gjnb `s rjflly eo`ie oi?

    Ugy gfvj wj iot d`xja tg`s promljh? Sros $ Nois od vfr`ous proposja solut`ois? Hy `ajfs fmout solv`ie or h`t`eft`ie tgj s`tuft`oi

    Qgjrj frj sohj ngflljiejs wg`ng nross hult`plj frjfs, so gjrj frjhy tgouegts oi solv`ie sohj promljhs wg`ng ao iot d`t `ito tgjifrrowjr donus frjfs, od hy otgjr rjsjfrng iotjs

    Fls otgjr iotjs

    Pou nfi d`ia sohj od hy otgjr rjsjfrng iotjs gjrj; Nr`t`nfl @idrfstrunturj6 8 rjports, fia fiflys`s, faarjss`ie

    sjr`ous promljhs w`tg, fia tgrjfts to, top`ns sung fs;o Morajr Srotjnt`oi2o Nymjr ^jnur`ty2o Jnoiohy2o Ift`oifl ^jnur`ty2o S`pjl`ijs2o Horj to mj faaja `i tgj duturj

    A`sfstjr Fvo`afinj= 8 f nolljnt`oi od wr`tj(ups rjefra`ie

    vfr`ous a`sfstjrs fia nr`sjs; wgft gfppjija2 vfr`ous solut`oisproposja my hj fia otgjrs, to gjlp h`t`eftj tgj ijxt t`hj

    Aroij> @ido;1 8 Gow aroijs frj mj`ie usja worlaw`aj, `is`ajtgj Z^F, ngfie`ie nfpfm`l`t`js, fia a`snuss`oi `ssujs

    o Hy iotjs frj `i tgj dorh od tgj wora Aroij, oij wora tgft`s tgj sum(top`n donus frjf, fia fi WWW vjrs`oi . ja`t`oi

    o Otgjr aonuhjits usuflly frj ifhja w`tg `ajit`ty odor`e`ifl puml`sgjr, suhhfry od noitjit top`n, tgji aftjv`itfej

    6 gttp;//wwwsnr`manoh/nolljnt`ois/1637:33/Nr`t`nfl(@idrfstrunturj=

    gttps;//aonseooeljnoh/dolajr/a/3M0jufdKG1m(

    [HQF3PQH3PzbtIQ@3P^33IkTgLQe:IQ@tP=]`[kg`H=HzOAbw/ja`t> gttp;//wwwsnr`manoh/nolljnt`ois/>735473/Aroij(@ido1

    gttps;//aonseooeljnoh/dolajr/a/3M0jufdKG1m([LU]3mh[L^>a:OTb/ja`t

    gttp;//wwwsnr`manoh/hy_aonuhjit_nolljnt`ois/>735473

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    > ^olut`oi @ajfs my Fl Hfn 7/5/=36> 66;34;>4 SH

    > ^olut`ois `i Ift`oifl ^jnur`ty dolajr

    Gf`t` ]jsjfrng: 8 @ loob `ito f muing od top`ns `i fdtjrhftg od=363 Kfi jfrtgqufbj, wg`ng ajvfstftja tgj`r nfp`tfl n`ty, fiasohj otgjr n`t`js

    Qgjsj iotjs frj ejtt`ie to mj od rjfsoifmlj s`zj Ugji @ stfrtja, @kust gfa f gfiadul od `ajfs wg`ng a`a iot loe`nflly d`t `ito fiy od hyhf`i donus rjsjfrng Mut iow @ gfvj f s`ei`d`nfit erow`ie iuhmjr,so @ w`ll stfrt lfmjl`ie fpprox v`itfej od wgji vfr`ous ngfptjrs wjrjlfst upaftja, l`bj @ flso ao w`tg hy lfrejr rjsjfrng iotjs

    > Fue 5 8 =33> Fueust 35 wfs aftj @ lfst upaftja sohj ngfptjr> Kuly 8 =33> Kuly wfs wgji @ lfst upaftja sohj ngfptjr

    Eov @a `inlua`ie FAF $ @]^ '> Fue 5)

    Eov 8 Eovjrihjit@a 8 @ajit`ty@]^ 8 Z^ @itjrifl ]jvjiuj ^jrv`nj

    Sjoplj ijja fi @a, `ssuja my tgj stftj eovjrihjit, dor fnnjss tohfiy sjrv`njs Uj ijja f pgoto `a to ejt `ito hfiy eovjrihjitmu`la`ies Qyp`nflly tgft `a ijjas to mj `ssuja fs f pjrsoifpprofngjs fault(gooa, mjnfusj f sngool stuajit `a `s iot fnnjptjador `a purposjs outs`aj od sngool Qgosj w`tg f ar`vjrs l`njisj, tgft

    sjrvjs fs f eovjrihjit `a, mut `d wj nfiiot ejt f ar`vjr l`njisj,pjrgfps mjnfusj wj frj too ola to gfvj eooa v`s`oi jtn tgji `istjfawj ejt f stftj `a, wg`ng nfiiot mj usja fs f ar`vjr l`njisj, fia wjejt `t droh tgj sfhj eovjrihjit fejiny wg`ng `ssujs tgj ar`vjrl`njisjs

    @ tg`ib pjoplj w`tg a`sfm`l`t`js, ijja to gfvj f noaj oi tgj`r stftj `anfra, w`tg `ido fmout wgft tgj`r a`sfm`l`ty `s, wg`ng pol`nj odd`njrswoula mj trf`ija to iot`nj, wgji pjoplj sgow tgj`r `a Qg`s `smjnfusj lfw jidornjhjit odtji aojs iot mjl`jvj stftjhjits my

    suspjnts, rjefra`ie ifturj od tgj`r a`sfm`l`t`js, wgji tgjrj `s fijinouitjr mjtwjji tgj suspjnt fia lfw jidornjhjit4 @ mjl`jvj tgjdjajrfl eovjrihjit sgoula fhjia tgj Fhjr`nfis w`tg A`sfm`l`ty Fnt,5

    :gttp;//wwwgf`t`pr`zhore/

    4gttp;//rjfsoinoh/mloe/=36>/35/>3/sjr`flly(suja(utfg(troopjr(dfnjs(ijw(lfw

    5gttp;//wwwjjoneov/dfnts/ds(fafgthl

    gttp;//wwwfafeov/pums/fafgth

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    1 ^olut`oi @ajfs my Fl Hfn 7/5/=36> 66;34;>4 SH

    1 ^olut`ois `i Ift`oifl ^jnur`ty dolajr

    to rjqujst stftj eovjrihjits to ao tg`s

    Uj ijja to mj fmlj to provj wgo wj frj to ejt fll b`ias odeovjrihjit sjrv`njs, mut hfiy mrfingjs od eovjrihjit sjjh `ll(jqu`ppja to gfialj tg`s `i fi jdd`n`jit hfiijr, rjsult`ie `i hfiysjrv`njs mj`ie dr`jialy to `ajit`ty tgjdt nr`h`ifls, fia uidr`jialy to rjflpjoplj

    @i =36=, tgj @]^ rjnj`vja h`ll`oi ijw nfsjs od tfx pfyjr `ajit`tytgjdt v`nt`hs, wgo typ`nflly gfa to eo tgru 4 hoitgs od gfssljs w`tg tgj@]^ mjdorj tgjy noula provj tgjy wjrj tgj rjfl pjrsoi, gfa iot d`ljafiy drfuauljit tfx rjturi Qgji host od tgjh ejt jxtrf ajit`d`nft`oi`ido, so tgft `i fll duturj yjfrs tgjy w`ll gfvj ljss gfssljs, mut st`llsohj gfssljs Qgj voluhj od v`nt`hs `s sbyronbjt`ie jfng yjfr,

    mjnfusj tgj @]^ aojs iot fppjfr to mj nohpjtjit to a`st`ieu`sg fvfl`a tfx rjturi droh fi `ajit`ty drfua oij, fia tgj nroobs biow `t,wflb`ie odd w`tg !m`ll`ois `i tfx pfyjr hoijy jfng yjfr, tgrouegdrfuauljit rjturis `i ijja od tfx rjduias7

    Ft tgj rftj od erowtg, fs od =36=, @ jxpjntja tgft `i =36>(=361 tgjrjw`ll mj ovjr f h`ll`oi tfx pfyjrs v`nt`h`zja my `ajit`ty tgjdt w`tg tgj@]^, wgo wjrj iot prjv`ously v`nt`h`zja, w`tg horj fia horj h`ll`ois

    `i tgj yjfrs fgjfa0 Ujll, `i hy @]^ ^nfiafls rjsjfrng iotjs,63 fsod =36>, wj d`ia tgft hy jxpjntft`oi wfs vfl`a Qgft `s jxfntly wgft`s gfppji`ie, fia tgj trjia noit`iujs

    @ tg`ib tgjrj frj sjvjrfl tg`ies wg`ng nfi, fia sgoula mj aoij, to

    rjvjrsj tg`s trjia Qgjsj ^olut`oi @ajfs sgfrj sohj od hy `ajfsfmout tgft Ijxt tgjrj `s wgft tgj Sost Odd`nj nfi ao fmout `t, fia `itgj pronjss `hprovj tgj Sost Odd`njs d`ifin`fl stfm`l`ty Qgji @faarjss wgft ijjas to mj aoij ft tgj @]^

    gttps;//jiw`b`pja`fore/w`b`/Fhjr`nfis_w`tg_A`sfm`l`t`js_Fnt_od_60037gttp;//wwwtfxpfyjrfavonftj`rseov/=36=Fiiufl]jport

    gttp;//wwwtfxpfyjrfavonftj`rseov/=36=(Fiiufl(]jport/`ajit`ty(tgjdt/

    gttp;//wwwusftoafynoh/story/hoijy/mus`ijss/=36>/36/30/`rs(`ajit`ty(tgjdt(rjspoisj(nr`t`n`zja/676033>/

    gttp;//tgjg`llnoh/mloes/oi(tgj(hoijy/aohjst`n(tfxjs/=54>40(favonftj(`rs(jddorts(oi(`ajit`ty(tgjdt(lfnb`ie

    gttp;//wwwfnnouit`ietoafynoh/ijws/@]^(Iot(Ao`ie(Jioueg(Gjlp(@ajit`ty(Qgjdt(T`nt`hs(4:=0=(6gthl0

    ^jj hy @]^ ^nfiafls rjsjfrng iotjs dor faa`t`oifl stft`st`ns63

    gttp;//wwwsnr`manoh/aon/61=53570=/@]^(IEO(Fl(Hfn

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    : ^olut`oi @ajfs my Fl Hfn 7/5/=36> 66;34;>4 SH

    : ^olut`ois `i Ift`oifl ^jnur`ty dolajr

    @ ijjaja to ejt ]JFL @A, wgji hy ar`vjr l`njisj jxp`rja, `i jfrly=36= @ gfa to tfbj f houitf`i od pfpjrworb to tgj ar`vjr l`njisjmurjfu to jstfml`sg hy `ajit`ty, fia `t st`ll toob tgjh s`x hoitgsmjdorj `t wfs `ssuja Ugji `t `s t`hj dor rjijwfl, `t `s flljeja tgft fhung shflljr houitf`i `s ijjaja, mut tgjrjs f trf`i`ie `ssuj, wgjrjsohj worbjrs tg`ib horj pfpjrworb `s ijjaja, tgfi tgj lfw rjqu`rjs

    @ rjnoei`zj tgft sohj pjoplj nfiiot ejt f ar`vjr l`njisj, auj tosnrjwja up eovjrihjit rjnoras, wg`ng nfiiot mj d`xja EFO, fiaotgjr `ispjnt`ois, gfvj douia tgft eovjrihjit fejin`js typ`nfllygfvj :(63* jrror rftjs Hult`ply tgft my h`ll`ois od pjoplj, fia youfrj tflb`ie rjfl m`e iuhmjrs od pjoplj `inoivji`jinja, sohj od tgjhjxpjr`jin`ie aji`fl od mfs`n r`egts wg`ng stjh droh tgj noist`tut`oifia gow our n`v`l`zft oi `s strunturja Hfiy mori gjrj Fhjr`nfis

    gfvj mjji ajportja, fnnusja od mj`ie `lljefl `hh`erfits, mjnfusjtgj`r eovjrihjit rjnoras frj snrjwja up

    @ fh iow flhost fej 53 Ugji @ mjnfhj jl`e`mlj dor Hja`nfrj, @wjit to tgj ^on`fl ^jnur`ty odd`nj to fpply @ gfa to sgow tgjh fhouitf`i od pfpjrworb to jstfml`sg hy `ajit`ty, `t toob tgjh hoitgsmjdorj @ eot hy Hja`nfrj nfra, fia s`x hoitgs lftjr tgjy snrjwjaup hy rjnoras

    Jfng t`hj wj ijja to `itjrfnt w`tg sohj otgjr eovjrihjit fejiny,wj ijja to sgow tgjh f houitf`i od pfpjrworb to jstfml`sg our`ajit`ty, tgji tgj pronjss nfi tfbj hoitgs ^o dor tgj lunby hfkor`ty,wgosj rjnoras frj iot snrjwja up my tgj eovjrihjit, tgjrj frj st`lljxnjss`vj gfssljs, w`tg fstroioh`nfl eovjrihjit wfstj

    F mjttjr sys tjh v`f tgj Sost Odd `nj '> Kfi)

    F mjttjr systjh `s ijjaja, dor pjoplj to jstfml`sg tgj`r `ajit`ty w`tgtgj eovjrihjit, fia otgjr `itjrjstja pfrt`js @ gfvj fi `ajf dor fmjttjr systjh

    Qgj Z^ Sost Odd`nj `s loob`ie dor horj wfys to hfbj hoijy @ tg`ibtgjy nfi gjlp solvj tg`s hjss, fia prod`t my ao`ie so

    @ iow gfvj f ]JFL @A @t gfs hy p`nturj oi tgj droit, sohj m`ohjtr`nstft`st`ns 'a`hjis`ois, jyj nolor, jtn), fia oi tgj mfnb `s f mfr noaj

    Fejin`js, rje`stjrja w`tg tgj stftj eovjrihjit, nfi sw`pj tgft mfr

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    4 ^olut`oi @ajfs my Fl Hfn 7/5/=36> 66;34;>4 SH

    4 ^olut`ois `i Ift`oifl ^jnur`ty dolajr

    noaj fia sjj tgj stftj rjnora fsson`ftja w`tg tgj `ssu`ie od tgftl`njisj, tgj pgoto tgjy gfvj oi hj66

    @d tg`s ferjjs w`tg wgft tgj nfra sfys, fia w`tg hy fppjfrfinj `ipjrsoi, tgj nfra `s iot f nouitjrdj t, uiljss @, or sohj noidjajrftj,gfvj sunnjssdully gfnbja `ito stftj nohputjrs Hy `ajit`ty gfs iowmjji jstfml`sgja

    Ft tgj Sost Odd`nj, `d wj gfvj kust aoij tg`s, tgjy nfi hfbj frje`stjrja nopy od tgj mfr noaj, fia fdd`x tgft to f aonuhjit to eo mysjnurj sif`l hf`l to sohj eovjrihjit fejiny, l`bj tgj @]^, or stftj`inohj tfx pjoplj, so iow QGJP biow tgft tgj pjrsoi wgo sjit `itgj rjturi wfs tgj ]JFL @A pjrsoi, fia iot sohj `ajit`ty tgjdt nroob

    Horj Sostfl jrv`njs '> Fue 5)Ugji wj gfvj f sif`l hf`l faarjss ngfiej, tgj Sost Odd nj suppl jsf b`t w`tg post nfras dor us to iot`dy f toi od plfnjs @t `s vjry jfsy toovjrloob sohj plfnj, or iot biow tgj r`egt eovjrihjit faarjss tosjia to Qgj Sost Odd`nj noula oddjr f UJ AO @Q sjrv`nj

    Qgj Sost Odd`nj gfs our ola faarjss, fia our ijw faarjss, wg`ng nfieo oi f spjn`fl dorh rjpr`itja w`tg tg`s `ido dor tg`s purposj Qgjrjwoula mj ngjnb moxjs; vfr`ous eovjrihjit fejin`js 'usja my hfiypjoplj) nfi mj ngjnbja odd, w`tg rooh to wr`tj `i sohj ifhjs 'usjamy ljss pjoplj) Qgj ngjnb moxjs sjrvj fs f usjdul rjh`iajr tgftvfr`ous Qfx futgor`t`js, ar`vjr l`njisj fejiny jtn ijja to mj iot`d`jaNouit up tgj . od ngjnbja odd moxjs, pfy tgj Sost Odd`nj f djj t`hjstgj nouit, fia tgj Sost Odd`nj sjjs to `t tgft fll tgosj fejin`js frjiot`d`ja od our faarjss ngfiej

    Mr`t`sg Sost Odd`njs oddjr sfv`ies fnnouits, hfb`ie tgjh l`bj fift`oifl mfib Eo to fiy Sost Odd`nj `i tgj lfia, sgow your `a, younfi w`tgarfw sohj hoijy droh tgft fnnouit, faa sohj, or usj `t fs

    nollftjrfl dor f nrja`t nfra trfisfnt`oi Uoula tgft hoajl dly `i tgjZ^F?

    @i hy @]^ ^nfiafls rjsjfrng iotjs,6= @ sgfrj tgj promljh odnroobs rjnj`v`ie eovjrihjit hf`l, us`ie ifhj od fi `a tgjdt v`nt`h,

    66^jj tgj stftj rjnora, iot ngfiej `t

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    5 ^olut`oi @ajfs my Fl Hfn 7/5/=36> 66;34;>4 SH

    5 ^olut`ois `i Ift`oifl ^jnur`ty dolajr

    fia faarjss od f vfnfit dorjnlosja gousj, wgjrj `t `s jfsy dor tgjhto ejt tgj hf`l, w`tgout mj`ie trfnja

    @d, wgji f gohj mjnohjs vfnfit auj to dorjnlosurj, tgj Z^ SostOdd`nj noula mj iot`d`ja, so tgj faarjss nfi mj dlfeeja, uit`l tgjgohj ejts f ijw ljefl onnupfit Qgji wgji fiy eovjrihjit sif`lhf`l `s sjit to tgft faarjss, tgj Z^ Sost Odd`nj sjias to tgj sjiajrfi `hfej od tgj jivjlopj to(droh faarjss pfrt`nulfrs, fia f nopy odtgj vfnfit gohj stftus `ido Qg`s noula d`x promljhs ft f lot horjeovjrihjit fejin`js tgfi tgj @]^

    Jxtjia Nohhoi Nfrr`jr '> Kuly)

    Ugft nohhoi nfrr`jr hjfis `s `d sohjoij sjias f nr`h`ifl fnt`v`tyv`f sif`l hf`l, wj ao IOQ frrjst tgj hf`l hfi, ior ngfrej tgj Sost

    Odd`nj w`tg mj`ie pfrt od orefi`zja nr`hj ^fhj ajfl w`tg pgoij lfial`ijs Qgj noitjit `s mjl`jvja to mj tgj propjrty od tgj pjopljsjia`ie tgj `ido, so tgj`r pr`vfny ejts ljefl protjnt`oi

    `i hy op`i`oi, nohhoi nfrr`jr protjnt`oi sgoula mj jxtjiaja to`ist`tut`oifl fnt`v`ty wg`ng rjdljnts tgj hoajri fej od tjngioloey, l`bj;

    J(hf`l2 njll pgoijs2 `ido `i tgj mlfnb moxjs `i our futohom`ljs2

    pfttjris od our usj od jljntr`n`ty, efs, wftjr, efrmfej a`sposfl,pluhm`ie, wgft QT sgows wj wftng, jtn wgft wj muy droh moobstorjs, morrow droh puml`n l`mrfr`js, our

    fnnjss to otgjr sournjs od biowljaej2 wgft wj stua`ja `i sngool, our erfajs, fiy troumlj wj eot

    fnnusja od, w`tgout noist`tut`oifl protjnt`ois2 wgft wj post to son`fl hja`f, l`bj a`snuss`oi eroups, doruhs,

    mloes, wgji tgft `ido `s iot noaja opji to tgj puml`n, sung fsdor Dfnjmoob dr`jias fia dfh`ly oily

    Qg`s b`ia od `ido `s OZ] mus`ijss, tgj mus`ijss od our dr`jias dfh`lyno(worbjrs wgojvjr wj ngoosj to sgfrj tgj `ido w`tg, tgj mus`ijss od`ist`tut`ois wj voluitfr`ly ngoosj to sgfrj `t w`tg, fia tgj mus`ijss odtgj proaunt or sjrv`nj prov`ajr, or wgojvjr `s hoajrft ie tgj @itjrijt

    6=gttp;//wwwsnr`manoh/aon/61=53570=/@]^(IEO(Fl(Hfn

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    7 ^olut`oi @ajfs my Fl Hfn 7/5/=36> 66;34;>4 SH

    7 ^olut`ois `i Ift`oifl ^jnur`ty dolajr

    a`snuss`oi frjf, mut tgj eovjrihjit sgoula ejt f wfrrfit s`eija my fkuaej, mjdorj ajhfia`ie fnnjss to tg`s aftf

    @ rjnoei`zj tgft tgjrj frj jhjrejiny s`tuft`ois, wgjrj tgj pol`njijja `hhja`ftj fnnjss to aftf to gjlp sfvj l`vjs, solvj f sjr`ousnr`hj @ wfit tgft fnnjss to mj aonuhjitja dor rjv`jw my tgj nourtsl`bj wgft `s aoij w`tg D@^F wgjrj tgj DM@ `s fllowja to ao fiytg`ietgjy pljfsj, mut tgjy hust rjport `t to D@^F w`tg`i 17 gours, to ejtrjtrofnt`vj fpprovfl, or rjpf`r od `hpropjr fnt`v ty @ wfit lonfl fiastftj pol`nj to mj plfnja uiajr f s`h`lfr muraji, to kust`dy tgj`rerfmm`ie od aftf droh plfnjs wg`ng gfvj aftf tgft tgjy tg`ib h`egtgjlp `i sohj `ivjst`eft`oi, fia `t `s too urejit to wf`t dor f kuaej tos`ei odd oi `t @ aoit biow gow nohhoi tg`s `s @t `s f stfiafra pfrtod tgj plots od hfiy QT sgows fmout nops

    @hprovj @ido dor @ivjst`eft`ois '> Kuly)

    Qgj eovjrihjit sgoula flso gfvj eooa tools to fnnjss fia ajn`pgjrour `ido, oinj tgjy ejt tgft kua`n`fl futgor`ty A`ddjrjit pjopljspjrsoifl nohputjr systjhs, fia mus`ijss ijtworbs, duint`oi oi fvfr`jty od a`ddjrjit opjrft`ie systjhs 'H`nrosodt U`iaows, L@IZW,ZI@W, Iovjll, vfr`ous @MH O^, otgjrs), w`tg tgj hftjr`fl `i f vfr`jtyod nohputjr lfieufejs, guhfi lfieufejs, aftf mfsj systjhs, fiatypjs od fps 'fppl`nft`ois) Qgj tools to sjfrng tg`s studd, dor

    susp`n`ous noitjit, nfi mj a`ddjrjit dor jvjry ui`quj nohm`ift`oi @t`s l`bj f aroij `itjrnjpt`ie f a`snuss`oi mjtwjji suspjntja jijh`js,mut wj ao iot rjnoei`zj tgj lfieufej tgjy frj spjfb`ie `i AF]SFh`egt mj tgj fppropr`ftj fejiny to oddjr duia`ie dor tgj ajvjlophjitod fiy ijnjssfry tools iot flrjfay `i tgj gfias od rjljvfit`ivjst`eft`vj fejin`js

    AF]SF6> 8 Z^ Ajdjisj Favfinja ]jsjfrng Srokjnts Fejiny

    @ jiv`sfej f nohm`ija frng`tjnturj wg`ng noula worb fs dollows;

    6 @ivjst eftors gfvj tools s`h`lfr to Eooelj sjfrng, UGO @^,61otgjr @itjrijt rjsournjs, to tjll tgjh wgft wjm s`tjs jx`st, wgft`s biowi fmout tgosj s`tjs

    6>gttp;//wwwafrpfh`l/

    gttps;//jiw`b`pja`fore/w`b`/AF]SF61

    UGO^@^ `s f systjh wgjrj pjoplj nfi d`ia out wgo `s tgj odd`n`fl owijr od f hf`i aohf`i, Hfiy hf`i

    aohf`is flso gfvj UGO^@^ sjrv`njs wg`ng sgow wgo `s `i ngfrej od jfng sum(aohf`i Gowjvjr, tgjrj

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    0 ^olut`oi @ajfs my Fl Hfn 7/5/=36> 66;34;>4 SH

    0 ^olut`ois `i Ift`oifl ^jnur`ty dolajr

    = @ivjst eftors ejt futgor ty to `ivjst`eftj tgosj s`tjs, wg`ng nfinohj tgru f kuaejs wfrrfit, nourt l`bj D@^F, sohj jhjrejinysusp`n`oi to lftjr ejt nourt rjv`jw, or pjrh`ss`oi od tgj pjoplj`i ngfrej od tgj s`tj6:

    > F sjr js od tools frj usja to ljfri horj fmout tgj spjn`d ns odtgj aftf ft tgj s`tj, fia wgft otgjr tools frj ijjaja to sjfrngtgft `ido Ugjrj Eooelj Ajsbtop pjrh`ts sohjoij w`tgH`nrosodt U`iaows to sjfrng wgfts oi tgj`r SN, to d`ia bjyworas `i aonuhjits, j(hf`l, sprjfa sgjjts, son`fl ijtworb`ie,jtn, tgjrj noula mj tools dor pjoplj oi ijtworbs to d`ia sung`ido droh wgftjvjr aftf strunturjs, O^, fps, frj douia oi tgjijtworbs, or oi fiy noiijntja ajv`njs,64 l`h`tja my sjnur`tynljfrfinj, wg`ng nfi mj erfitja my tgj pjoplj `i ngfrej od tgjs`tj, or tgj hfiudfnturjrs od tgj ijtworb rjsournjs, prov`aja

    tgj futgor`t`js sgow propjr nljfrfinj to gfvj tgft fnnjss1 ^o `istjfa od tgj eovjrihjit mu`la`ie nop`js od fll @itjrijt fia

    otgjr trfdd`n, w`tgout eooa tools to fiflyzj tgft aftf, hoijy `smjttjr spjit ajvjlop`ie eooa fiflys`s tools, fia f ljeflstrunturj to pjrh`t fnnjss to jvjrytg`ie `hfe`ifmlj, wgji tgjrj`s eooa nfusj

    @A Qgjdt fia tgj @]^ '> Fue 5)

    @i hy @]^ ^nfiafls rjsjfrng iotjs,65 @ sgfrj tois od jxfhpljs,

    `llustrft`ie f m`e p`nturj;6 @ajit`ty Qgjdt gfs mjji tgj dfstjst erow`ie wg tj nollfr nr`hjdor sohj t`hj Oij od tgj dfstjst erow`ie frjfs, od `a tgjdt, `s

    frj f gfiadul od aohf`i rje`strfrs wg`ng frj iot dollow`ie @NFII stfiafras, so tgj @itjrijt nr`h`ifls

    erfv`tftj to tgosj rje`strfrs 00* od @itjrijt nr`hj `s pjrpjtuftja my s`tjs jifmlja my fpprox f aozji

    rje`strfrs Dor `ido oi tg`s rjfl`ty, ao fi @itjrijt sjfrng dor nohm`ift`oi od BIZKOI fia ]JE@^Q]F]

    BIZKOI 'io kuib mfnbwfras) gfs fi fiiufl rjport, mfnb trfn`ie @itjrijt nr`h`ifl`ty to tgj orefi`zft`ois

    wg`ng jifmlj `t F horj sjr`ous qujst`oi `s gow nohj @NFII pjrh`ts tg`s v`olft`oi od stfiafras to

    noit`iuj6:

    ^jj Jxtjia Nohhoi Nfrr`jrngfptjr, dor horj `ido oi sohj od tgjsj ngo`njs64

    Qgjrj `s flso f ijja to `hprovj guhfi fnnjss to hfp odnoiijntja ajv`njs Slue fia Slfy s f

    rjlft`vjly rjnjit ajvjlophjit, pjrgfps w`tg`i tgj lfst ajnfaj, iot douia oi fll nohputjr systjhs `i nurrjitusj @t gfs hfaj `t so tgft ajv`njs noiijntja to f SN or ijtworb, ejt rjnoei`zja my tgj O^, fia gfiasgfbj

    noid`eurja norrjntly dor tgjh to worb, rjl`jv`ie tgj nohputjr tjngi`n`fis od jiorhous worblofa, mut `t gfs

    flso hfaj tgj rjfl`ty nr`h`ifl(dr`jialy, wgjrj uifutgor`zja ajv`njs nfi jfs`ly mj fttfngja, to arf`i

    noid`ajit`fl fia propr`jtfry `ido w`tgout tgj pjrsoiijl tgjrj mj`ie fiy tgj w`sjr

    Ugft wj ijja `s f guhfi hfp od jvjrytg`ie tgj Slue $ Slfy gfs fnnjptja, sjr`fl . od ajv`nj so `ts

    purngfsj g`story nfi mj vjr`d`ja tgft UJ mouegt `t, fs opposja to susp`n`oi od nr`h`ifl`ty mrjfng, w`tg f

    loe od wgji tg`s eot noiijntja, tgj typj fia voluhj od aftf dlow`ie tgru `t, fia rooh dor sohjoij to faa

    nohhjits rjefra`ie wgo `i tgj orefi`zft`oi futgor`zja tg`s noiijnt`oi65

    gttp;//wwwsnr`manoh/aon/61=53570=/@]^(IEO(Fl(Hfn

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    63 ^olut`oi @ajfs my Fl Hfn 7/5/=36> 66;34;>4 SH

    63 ^olut`ois `i Ift`oifl ^jnur`ty dolajr

    `ts usj dor tfx nr`hjs, wgjrj pjoplj us`ie otgjr pjopljs`ajit`t`js `hp`iejs oi tfx rjturis, ljfa`ie to motg tfx nr`hjsfia hfss`vj gfssljs dor tgj `a tgjdt v`nt`hs, wgji tgjy frjajfl`ie w`tg tgj @]^

    = Qgj @]^ gfs rjfntja to tgj @A tgjdt jp`ajh`n w`tg hfss`vjjddorts, wg`ng gfvj stoppja hfiy tfx nr`hjs, noiv`ntja hfiytfx nr`h`ifls, mut tg`s `s f arop `i f munbjt Qgj @A tgjdt tfxnr`hjs frj erow`ie hung dfstjr, tgfi tgj `hpfnt od @]^ d`egt`iemfnb Uj iow gfvj h`ll`ois od ijw tfxpfyjr v`nt`hs jvjryyjfr, fia !m`ll`ois od drfuauljit tfx rjduias eo`ie to tgj `a tgjdtnr`h`ifls Qgj trjia `s fi `inrjfsj `i tgj afhfej

    > Hfiy wftngaoe orefi`zft`ois, fia otgjr eovjrihjit fejin`js,gfvj prov`aja tgj @]^ w`tg hfiy sueejst`ois, fia jvjilje`slft`oi, so tgj @]^ nfi `hpljhjit `hprovjhjits `i tgj

    mfttlj, mut tgj @]^ gfs mjji slow to fnnjpt sung `iput @ djjltgft hfiy od tgj sueejst`ois ao iot eo dfr jioueg, dor eooasolut`ois

    Hfn sueejsts '> Fue 5)

    Dor horj `ido oi promljhs nohpouiaja my tgj @]^ gfv`ie f ]umjEolamjre fpprofng to ajfl`ie w`tg @a Qgjdt, sjj tgj dollow`ie

    ngfptjrs `i hy @]^ ^nfiafls rjsjfrng iotjs;67

    M`e p`nturj od `a tgjdt rjduia promljh

    Elossfry od tjrhs, `inlua`ie @AQ1 'stolji wflljt od tfxpfyjr),Qrfdd`n Nop sueejst`oi droh IQF2 @]^ strueeljs w`tg `a tgjdt tfx rjduias Q@EQF oi @a Qgjdt snflj

    Qgj @]^ `s worb`ie gfra, iot shfrt

    Qgjrj frj vfr`ous l`sts, nrjftja to gjlp nrja`t fejin`js ajtjntposs`mlj drfua, od pjoplj wgo loe`nflly woula iot mj opji`iefnnouits, muy`ie tg`ies oi nrja`t, sung fs ajfa pjoplj, fia ijw

    mori ng`larji Nroobs frj us`ie tgosj l`sts to d`lj drfuauljit tfxrjturis oi tgosj pjopljs ^^I Qgj @]^ flso ijjas to mj fnnjss`ietgosj l`sts, fs pfrt od `ts d`ltjr`ie od tfx rjturis, loob`ie dor susp`n`ousoijs Slus hfymj sohj od tgosj l`sts sgoula mj horj sjljnt`vj oiwgo fll nfi gfvj fnnjss to tgjh

    67gttp;//wwwsnr`manoh/aon/61=53570=/@]^(IEO(Fl(Hfn

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    66 ^olut`oi @ajfs my Fl Hfn 7/5/=36> 66;34;>4 SH

    66 ^olut`ois `i Ift`oifl ^jnur`ty dolajr

    Qgj @]^ noula rjaunj tgj `hpfnt od a tgjdt tfx nr`hjs, mut lje`slft`vjfnt`oi hfy mj ijjaja to gjlp `hpljhjit @]^ fnnjss to aftf mfsjs odotgjr eovjrihjit fejin`js, sung fs;

    L`st od ^^Is od ajfa pjoplj L`st od ^^Is `ssuja to ijw mori ng`larji L`sts od ^^Is od pjoplj `i pr`soi60

    L`st od ^^Is od pjoplj wgo frj jhployja `i tgj Z^F=3

    @ sueejst tgft wgji f ^^I `s `ssuja to f ijw mori, tgft tgj @]^ opjifi fnnouit oi tgft ijw mori, sgow`ie aftj od m`rtg, fia wgo `s tgjpfrjit or eufra`fi Qgji wgji tfx rjturis frr`vj oi tgft ijw mori,wg`ng frj `inois`stjit w`tg wgft wj woula jxpjnt od f ng`la od tgftfej, tgj @]^ nois`ajr `t susp`n`ous

    Ugji pjoplj nfll tgj @]^ w`tg tfx promljhs, tgjy frj bjpt oi tgj l`ijdor fi fvjrfej od ft ljfst gour, mjdorj f rjfl pjrsoi tflbs w`tgtgjh Qgj @]^ flso gfs to nopj w`tg tgj `a tgjdt nroobs nfll`ie tgj@]^, prjtjia`ie to mj tgj rjfl tfxpfyjr @ gfvj nfllja otgjreovjrihjit odd`njs, fia mjji bjpt oi tgj l`ij, l`stji`ie to tgj hus`njtn dor fi gour or horj ^ohjoij `s pfy`ie tgj pgoij nohpfiy fifrh fia f lje dor tgjsj pgoij nflls wgji wj frj bjpt wf`t`ie

    @istjfa, @ sueejst fi opt`oi to usj toung toij pgoij w`tg oij odtgosj afhi hjius, fia/or rjnora f vo`nj hjssfej Uj woula e`vjsohj `ido fmout our `ajit`ty, sung fs lfst 1 a`e`ts od ^^I, `d wj frjpgoi`ie droh our gohj or wgjrjvjr Ugji tg`s nfll ejts to @]^pjrsoi, tgjy usj Nflljr `a fia pgoij a`rjntory `ido to noid`rh tgft tg`snfll `s noh`ie droh tgj rjs`ajinj od tgj tfxpfyjr

    @d iot, tgj pol`nj h`egt mj a`spftngja to tgj lonft`oi od tgj pgoij, tosjjb eooa `a oi wgo tgft pjrsoi `s @d `t `s iot tgj tfxpfyjr, tgjrjwoula tgji mj ijja to sgow futgor`zft`oi to fnnjss tgj tfxpfyjr

    `ido

    60^ohj, mut iot fll pr`sois, frj supply`ie tg`s `ido to tgj @]^

    =3Z^ Ajpt od Gjfltg $ Guhfi ^jrv`njs 'GG^) gfs f aftf mfsj od wfej fia jhployhjit `ido sumh`ttja my

    djajrfl fia stftj fejin`js wg`ng ovjrsjj jhployjr rjport`ie fmout wgo `s `i tgj Z^ worb dornj

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    6= ^olut`oi @ajfs my Fl Hfn 7/5/=36> 66;34;>4 SH

    6= ^olut`ois `i Ift`oifl ^jnur`ty dolajr

    Hfiy a`ddjrjit tfx rjturis nlf`h rjduias, `i tgj ifhjs od hfiya`ddjrjit tfx pfyjrs, to mj sjit to mfib fnnouits wg`ng frj IOQ `itgj ifhjs od tgosj tfx pfyjrs

    Qgj @]^ a`a iot ejt susp`n`ous, ovjryjfrs `d iot ajnfajs odtgousfias od a`ddjrjit rjduias to mj sjit to oij mfib fnnouit, or oimjgfld od tgousfias od tfxpfyjrs rjs`a`ie ft f strjjt faarjss w`tgrooh dor oily f aozji pjoplj, fia sohjt`hjs tgj faarjss `s f vfnfitgohj auj to dorjnlosurj,=6 uit`l =36>==

    Qg`s `s l`bj f : story odd`nj mu`la`ie `i tgj Nfyhji @slfias wg`ng`s flljejaly gohj to 67 h`ll`oi a`ddjrjit norporft`ois, wg`ng aoiot gfvj to pfy Z^ tfxjs oi tgj`r Z^ opjrft`ois, mjnfusj tgj`rGV `s lonftja tgjrj Oily tgj Z^ eovjrihjit mjl`jvjs tgjsjtypjs od d`eurjs, or orefi`zjs tgj`r rjnoras, so tgft tgjy ijvjr

    sjj tgj aupl`nft`oi Pjfrs feo, @ l`vja `i N`in`iift` Og`o Qgjrj wfs f a`snovjry

    tgft tgousfias od futohom`ljs rje`stjrja `i tgj stftj, gfa tgj`ajit`nfl vjg`nlj rje`strft`oi(`a, wgji `i tgjory, jvjry nfrsgoula gfvj f ui`quj `a Qg`s a`snovjry wfs sooi fdtjr oij odtgjh eot stolji Qgj jxplfift`oi; Ugji sohjoij `s loob`ie ftfi jie`ij mlonb, tgjrj `s tgj ifhj od tgj hfiudfnturjr Ugjitgft ifhj `s rjfa ups`aj aowi, dor sohj hfiudfnturjrs, `tloobs l`bj f iuhmjr ^o sohj pjoplj, rjnora`ie futo

    rje`strft`oi .s, wjrj nopy`ie tgj `ajit`nfl iuhmjr hfiy t`hjs,to a`ddjrjit pfpjrworb, fia iot rjfl`z`ie tgjrj wfs tgftaupl`nft`oi

    Qgj sfhj b`ia od pgjiohjif nfi onnur `i otgjr frjfs odeovjrihjit worb

    =6^ueejst`oi; Ugji f gohj mjnohjs vfnfit auj to dorjnlosurj, tgj Z^ Sost Odd`nj `s iot`d`ja, so tgj

    faarjss nfi mj dlfeeja, uit`l tgj gohj ejts f ijw ljefl onnupfit Qgji wgji fiy eovjrihjit sif`l hf`l `s

    sjit to tgft faarjss, tgj Z^ Sost Odd`nj sjias to tgj sjiajr fi `hfej od tgj jivjlopj to(droh faarjss

    pfrt`nulfrs, fia f nopy od tgj vfnfit gohj stftus `ido Qg`s noula d`x promljhs ft f lot horj eovjrihjitfejin`js tgfi tgj @]^==

    gttp;//sjh`ioljgj`egtspftngnoh/eroups/ja`tors(p`nbs/p/jp`n(tfx(snfh(uinovjrja(`i(tfhpf

    ^jj t`hj l`ij dor @]^ vjry rjnjitly wfb`ie up to tgj iot`oi tgft tg`s h`egt mj f promljh Gowjvjr, wg`lj

    tgj iot`oi od tgj sfhj faarjss mj`ie usja dor tfx rjduias dor hfiy a`ddjrjit pjoplj, `s iow susp`n`ous dor

    tgj @]^, tgjy frj iot yjt ngjnb`ie to sjj `d tgj noitfnt `ido oi tgj rjqujst dor rjduia, hftngjs tgj rjfl tfx

    pfyjr Qgus oij uirjsolvja ngflljiej s wgji tgj nr`h`ifl nflls tgj @]^, nlf`h`ie to mj tgj tfxpfyjr

    U`tg nflljr(`a, tgj @]^ noula ngjnb to sjj `d tgj pgoij . dor wg`ng tgj nflljr `s us`ie, `s rje`stjrja to j`tgjr

    tgft tfxpfyjr, jhployjr, or f tfx prjpfr`ie outd`t Qgji `d h`shftng, bjjp tgj nflljr oi tgj l`ij loie

    jioueg dor lonfl pol`nj to ko`i tgj nflljr, to vjr`dy `ajit`ty Qg`s `ajf gfs iot yjt onnurrja to tgj @]^

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    6> ^olut`oi @ajfs my Fl Hfn 7/5/=36> 66;34;>4 SH

    6> ^olut`ois `i Ift`oifl ^jnur`ty dolajr

    @i =36>, tgj @]^ stfrtja nois`ajr`ie fs susp`n`ous, hult`plj pfyhjitsmy tgj @]^ to pjoplj od a`ddjrjit ifhjs ft tgj `ajit`nfl faarjss @tg`ib tg`s sgoula mj durtgjr hoa`d`ja, to fnnjpt fs vfl`a, pjoplj wgofrj biowi rjlft`vjs od jfng otgjr

    @i =36>, tgj @]^ frrfieja w`tg mfib`ie `ist`tut`ois @d tgj @]^ aojs frjduia to f mfib fnnouit, wgjrj tgj ifhj od tgj tfxpfyjr oi tgjrjduia `s iot tgj sfhj fs tgj ifhj oi tgj mfib fnnouit, tgj mfib `sto rjturi tgj ngjnb

    @ sueejst tg`s rjdorh flso fpply to otgjr eovjrihjit pfyhjits, sungfs son`fl sjnur`ty

    Qgjrj `s flso f potjit`fl promljh w`tg mfib fnnouits rjnjitly

    opjija, `i tgj ifhj od tgj v`nt`h od tgj `a tgjdt, wg`ng tg`s systjhaojs iot solvj Qgj fnnouit noula mj lje`t`hftj, `d tgj pjrsoirjnjitly hovja, or gfa eooa rjfsoi to opji fi fnnouit ft f a`ddjrjitmfib

    Qgj @]^ usjs f s`lo(D@DO hjitfl`ty wgjrj fpprox >3 a`ddjrjitduint`oifl ui`t odd`njs od tgj @]^ tfnblj a`ddjrjit fspjnts od tfx rjturisnoitfh`iftja my `a tgjdt Jfng ui`t sfys Uj eot our pfrt aoij `i 43afys Or wgftjvjr, so tgj @]^ ovjrfll sfys Uj frj ao`ie f eooa

    kom Hjfiwg`lj, dor tgj tfxpfyjr, tgjy gfvj to ajfl w`tg fll tgjsjovjrlfpp`ie odd`njs, e`v`ie a`ddjrjit stor`js, mjnfusj fdtjr fll tgjygfvj a`ddjrjit aut`js to pjrdorh w`tg tgj noitfh`iftja tfx rjturis

    @ durtgjr sueejst f nois`stjit pr`or`ty mj fss`eija, wg`ng sgows gowhfiy afys hoitgs yjfrs `t gfs mjji `i tgj systjh, so tgft rjsolut`oinfi mj pr`or`t`zja mfsja oi aftj tgj nohplf`it jitjrja @]^, or wfsd`rst a`snovjrja my @]^, `rrjspjnt`vj od duint`oifl ui`t Qgus `istjfaod jfng s`lo gfv`ie D@DO 'd`rst `i d`rst out) tgft eot to tgj`r s`lo, tgjywoula tfnblj tgosj w`tg tgj olajst a`snovjry aftj d`rst

    Ugji fi `a tgjdt `s rjportja to tgj @]^, droh outs`aj tgj pronjss od`inohj tfx rjturis, `t tfbjs tgj @]^ oi tgj fvjrfej od 6:6 afys torjsolvj wgft tgjy ijja to ao fmout tgft @ aoit uiajrstfia wgy `twoula tfbj tgft loie Gjrjs wgft @ woula ao, `d @ wfs ajfl`ie w`tgtgft `ssuj ft tgj @]^;

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    61 ^olut`oi @ajfs my Fl Hfn 7/5/=36> 66;34;>4 SH

    61 ^olut`ois `i Ift`oifl ^jnur`ty dolajr

    6 Slfnj noaj oi tgj Qfxpfyjr fnnouit, `ajit`dy`ie `t fs oij wg`ng`s f v`nt`h od `a tgjdt=> U`tg`i tgft noa`ie, `inluaj aftj od `atgjdt `in`ajit 'wgji tgj wflljt wfs stolji)

    = Frrfiej w`tg lfw jidornjhjit `i nohhui`ty od tgj tfxpfyjr, orodd`nj od @]^ ijfr tgft nohhui`ty, dor tgj tfxpfyjr to hjjt w`tglfw jidornjhjit, or tgj @]^ odd`nj, w`tg rjljvfit aonuhjits toprovj wgo tgjy frj, so tgft pjrsoi nfi mj `ssuja @S S@I, floiew`tg `istrunt`ois i `ts usfej=1

    > Noinurrjit w`tg ejtt`ie tgj @S S@I to tgj r`egt pjrsoi, rjv`jwfiy fia fll `inohj tfx rjturis oi tgft pjrsoi, wg`ng wjrj d`ljaoi or fdtjr tgj aftj od tgj `a tgjdt `in`ajit

    A`sfml `ie @itjrijt Nr`hj Oppo rtui `t `js '> Ku ly)

    @i otgjr ngfptjrs @ gfvj jxplf`ija snjifr`os wgjrj orefi`zja

    jljntroi`n nr`hj `s jifmlja, fia tgj futgor`t`js sjjh to mj oml`v`ousto potjit`fl solut`ois Qg`s noitr`mutjs to jp`ajh`ns od @itjrijt nr`hj,fia h`ll`ois od v`nt`hs,

    Gjrj @ w`ll sueejst poss`mlj Dus`oi ]jport's) to gjlp d`ll tgft efpD`rst f suhhfry od tgj proposfls, tgji horj ajtf`l oi jfng

    Dus`oi ]jports 8 Mr`jd`ie pfpjrs dor pjrsoiijl `ivolvja `ilfw jidornjhjit, fia ift`oifl sjnur`ty `ivjst`eft`ois, to fljrt

    tgjh to suspjntja r`sbs, fia wgft nfi mj aoij fmout tgjh Dus`oi ]jport oi @itjrijt Nr`hj Jifmljrs 8 f

    proposja rjport wg`ng promfmly aojs iot iow jx`st, mut @ fhsueejst`ie tgft tgjrj `s f ijja dor oij, w`tg ijw ja`t`ois jvjryyjfr or so=: Qgj rjport woula mj f eu`aj to uiajrstfia`iehfiy r`sbs @ gfvj sgfrja `i tgjsj iotjs, fia flso sgfrja myotgjr `itjrjstja pfrt`js @t woula flso jvfluftj vfr`ous `ajfs oiwgft nfi mj aoij fmout tgjsj r`sbs

    Dus`oi ]jport oi Aftf ]jl`fm`l`ty 8 f proposja rjportwg`ng promfmly aojs iot iow jx`st, mut @ fh sueejst ie tgft

    =>Qgj @]^ iow gfs sung f noa`ie systjh, `i wg`ng ft ljfst 63 h`ll`oi tfxpfyjrs frj so noaja, fs od h`a

    =36>=1

    @A S@I `s usja my tfxpfyjr `i fll sumsjqujit d`l`ies w`tg tgj @]^, to sgow tgft tgjy frj tgj rjfl HnNoy=:

    @ spjll out f poss`mlj stfrt`ie drfhjworb dor sung f rjport `i hy ngfptjr; Hfpp`ie Nr`hj Dr`jias,my wg`ng @ hjfi orefi`zft`ois wgosj pol`ny fia mjgfv`or `s @itjrijt Nr`hj(dr`jialy ^ung mjgfv`or `s iot

    yjt `lljefl Oinj Lfw jidornjhjit `ivjst`eftors gfvj f eooa uiajrstfia`ie od tg`s `iaustry, tgjy nfi

    fppjfl to lje`slftors dor stfiafras to put f stop to sohj od tg`s mjgfv`or

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    6: ^olut`oi @ajfs my Fl Hfn 7/5/=36> 66;34;>4 SH

    6: ^olut`ois `i Ift`oifl ^jnur`ty dolajr

    tgjrj `s f ijja dor oij, w`tg pjr`oa`n ijw ja`t`ois =4 Qgj rjportwoula mj f rjh`iajr wgft tgj stftj od frt od stfiafras frjfnross eovjrihjit fejin`js fia pr`vftj jitjrpr`sj, so wj nfisjj wgft nrjajinj to e`vj `idorhft`oi sournjs, tgj `hportfinjod us`ie sjnoiafry sournjs, fia f nolljnt`vj sjisj od wgjrj`hprovjhjits frj host ijjaja

    Hfpp`ie Nr`hj Dr`jias '> Kuly)

    Jx`st`ie eovjrihjit `idorhft`oi sgfr`ie strunturjs, `hpljhjitjafdtjr 0/66 =336, nfi noivjij hjjt`ies od rjprjsjitft`vjs od sungorefi`zft`ois fs BIZKOI, tgj pjoplj wgo ao fiiufl rjports oiSg`sg`ie tgrjfts,=5 pfttjris od Mrjfngjs,=7 fia otgjrs, to pfnbfej fgow(to oi tgj ovjrfll tgrjfts, fia tgj tgrjft(jifmljrs=0 Qgj rjsult`ierjport woula flso mj f eu`aj to orefi`zft`ois od jxpjrt w`tijssjs wgo

    nfi v`s`t lonfl fejiny odd`njs to mr`jd pjrsoiijl oi lftjst tgrjftajvjlophjits, fia gjlp w`tg `ivjst`eft`ois

    Hjfsur`ie A`rty Aftf '> Kuly)

    Eovjrihjit aftf mfsjs sohjt`hjs gfvj sjr`ous jrror rftjs>3 Qg`sgfs sjr`ous `hpl`nft`ois `i sjvjrfl frjfs;

    Ora`ifry pjoplj nfiiot propjrly `itjrfnt w`tg eovjrihjitsjrv`njs2

    Ift`oifl ^jnur`ty hfy lfnb nr`t`nfl aftf nlujs to h`t`eftj orfvjrt duturj promljhs

    @ sueejst f noisol`aftja EFO rjport ngfrt`ie lfst biow jrror rftj myvfr`ous pfrts od eovjrihjit, suhhfry od `hpl`nft`ois, fia l`ibs torjljvfit EFO rjports dor horj ajtf`ls Qgj rjport sgoula `inluajwgft otgjr mrfingjs od eovjrihjit nfi ao, wgji rjly`ie oi tg`sdlfwja aftf, uit`l t `s io loiejr fs dlfwja Qgj rjport sgoula flsoprov`aj nohpfrfmlj stft`st`ns droh pr`vftj jitjrpr`sj

    ^jj tgj @^O ngfptjr Droh hy nlujs, wj noula ejt ft;

    =4@ spjll out f poss`mlj stfrt`ie strunturj dor sung f rjport `i hy ngfptjr; Hjfsur`ie A`rty Aftf

    =5Dor tgj m`e p`nturj oi Sg`sg`ie, sjj tgj ngfptjr; @itjrijt Nr`hj Sfttjris 8 Sg`sg`ie

    =7 Dor fi ovjrv`jw oi Aftf Mrjfngjs, sjj tgj ngfptjr; @itjrijt Nr`hj Sfttjris 8 Aftf Mrjfngjs=0 Horj `ido oi tgjsj ngflljiejs `i ngfptjrs; Jnoioh`n Jhmjzzljhjit2 @hprovj @idodor @ivjst`eftors2 @hprovj Qjng dor Kust`nj Flso sjj dootiotjs oi; Noiijntja

    Ajv`njs2 UGO^@^>3

    Dor horj `ido, sjj @ajit`ty od Eovjrihjit ngfptjr

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    64 ^olut`oi @ajfs my Fl Hfn 7/5/=36> 66;34;>4 SH

    64 ^olut`ois `i Ift`oifl ^jnur`ty dolajr

    Gow hfiy orefi`zft`ois `i tgj Z^F `i dfnt gfvj @^Onjrt`d`nft`oi, fs gfv`ie wgft ljvjl od prjn`s`oi `i tgj`r aftf dorwgft spjn`d`n duint`ois

    Qgjrj frj s`h`lfr systjhs, `i sohj `iaustr`js, iot pfrt od tgj

    @^O g`jrfrngy Dor jxfhplj ZL njrt`d`js jljntr`nfl sfdjty, wgjrjtgj ZL orefi`zft`oi>6 `i dfnt gfs f l`st od nohpfi`js wg`ng gfvjjfrija tgj njrt`d`nft`oi ^ohj nohpfi`js hfy drfuauljitlynlf`h tgjy hjjt tgj stfiafras @t gfs mjji flljeja tgft sohj`hports noitf`i tgj vfr`ous stfhps od fpprovfl tgft noisuhjrswfit, w`tgout tgj fntufl `ispjnt`oi fua`ts to provj tgj`r sfdjty

    Gow hfiy orefi`zft`ois `i tgj Z^F frj rje`stjrja w`tg vfr`ousstftjs od tgj Z^F?

    Droh tgj fmovj .s, wj nfi ejt fi `ajf od gow hfiy ljeflorefi`zft`ois ao iot gfvj tgj rjljvfit njrt`d`nft`ois, dor tgj`r

    rjspjnt`vj `iaustr`js Dor host `iaustr`js, `t `s pjrdjntly ljefl toiot dollow tgj stfiafras od tgj `iaustry Mut tgjrj frj`hpl`nft`ois dor tgj sfdjty fia rjl`fm`l`ty od tgj`r proaunts,sjrv`njs, fia aftf

    Qg`s proposja noisol aftja rjport s iot dor tgj purposj od ao`iefiytg`ie fmout lfnb od stfiafras nois`stjiny, mut to sjj goweovjrihjit nohpfrjs w`tg pr`vftj `iaustry, wgji `t nohjs to jrrorrftjs Sjrgfps tgj frjf wg`ng `s ao`ie f mjttjr kom nfi gjlp tgj oij

    ao`ie horj poorly, plus pjoplj, wgo usj tgj aftf, hfy gfvj f mjttjrsjisj od gow rjl`fmlj `t `s

    @itjrijt Nr`hj Sfttjris Aftf Mrjfngjs '> Kuly )

    ^jvjrfl orefi`zft`ois nohj out w`tg fiiufl rjports fmout pfttjris od@itjrijt nr`hj Qg`s nfi gjlp pjoplj wgo frj d`egt`ie tgft nr`hj, ortry`ie to protjnt fef`ist mj`ie v`nt`hs, biow`ie wgft frj tgj erjftjstr`sbs, so tgjy nfi hfrsgfl tgj`r l`h`tja rjsournjs host jddjnt`vjly

    @i jfrly =36>, Tjr`zoi nfhj out w`tg tgj`r fiiufl Aftf Mrjfng

    @ivjst`eft`ois ]jport 'AM@])>= nohm`i`ie `ido droh `ivjst`eft`oistgjy noiauntja, fia otgjr orefi`zft`ois noiauntja, ovjr sjvjrfl

    >6ZL 8 Ziajrwr`tjr Lfmorftor`js

    >= gttp;//wwwvjr`zoijitjrpr`sjnoh/AM@]/=36>/ Qg`s rjport `s 4> pfejsgttp;//tgrjftpostnoh/vjr`zoi(am`r(`itjlljntufl(propjrty(fia(ijtworbs(uiajr(s`jej(dor(hoitgs(ft(f(t`hj/

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    65 ^olut`oi @ajfs my Fl Hfn 7/5/=36> 66;34;>4 SH

    65 ^olut`ois `i Ift`oifl ^jnur`ty dolajr

    yjfrs, w`tg jhpgfs`s oi ngfiejs `i pfttjris od pjrpjtrftors od 4=6mrjfngjs `ivjst eftja `i =36=

    Qgjy gfvj fnnjss to `ido oi 15,333 sjnur`ty `in`ajits `i =36=, =,:33mrjfngjs ovjr tgj yjfrs, droh wg`ng 66 m`ll`oi rjnoras, fia nouit`ie,gfvj mjji nohproh`sja ^ohj pfttjris frj tgj sfhj yjfr fdtjryjfr, wg`lj sohj gfvj ngfie`ie pjrnjitfejs od drjqujiny fia r`sb

    Mut you nfi sjj droh tgj a`spfr`ty mjtwjji tgj iuhmjr od sjnur`ty`in`ajits tgjy biow fmout, fia tgj iuhmjr fntuflly `ivjst`eftja, tgfthfymj oily 6* frj ejtt`ie f nohpjtjit `ivjst`eft`oi, so tgj stft`st`nsnfi mj sbjwja Sromfmly iot jvji `i tgj stft`st`ns frj nfsjs odora`ifry pjoplj wgo gfvj to ejt tgj`r SN rjpf`rja auj to hflwfrjejtt`ie tgru tgj`r ajdjisjs

    Jxnjpt wgjrj tgj rjport sfys otgjrw`sj, fll ngfrts fia stft`st`ns rjdjrto tgj 4=6 mrjfngjs totfll`ie 11 h`ll`oi rjnoras `i =36=, dor wg`ngtgjy gfa spjn`d`n `ido fmout gow tgj mrjfngjs onnurrja, wgji tg`srjport wfs nohp`lja

    Zidortuiftjly, fs w`tg hfiy sung rjports, tgjrj `s f g`eg ajerjj odejjby lfieufej @ sueejst fiy d`rst t`hj usjr kust sb`h tgru to sjjtgj pjrnjitfejs od a`ddjrjit b`ias od fttfnbs

    Qgj rjport gfs hfiy `lluh`ift`ie fia jaunft`oifl ngfrts fiarjdjrjinjs

    Sfej >= 8 H`nrosodt dlow ngfrt sgow`ie tgj pftg my wg`ng hflwfrj

    nfi propfeftj `ito f systjh, fia wgft * od Tjr`zois aftf sjt wjittgft wfy Zidortuiftjly H`nrosodts systjh `s rjljvfit oily dor 1=*

    od wgft `s `i Tjr`zois aftf sjt) Gowjvjr, `t `s usjdul, mjnfusj 73*od wgft tgj aftf sjt biows fmout, usja f biowi jxplo`t to tr`nb f

    usjr Qgus, tgjsj stft`st`ns nfi gjlp eu`aj sjnur`ty trf`i`ie

    NJ]Q 8 f stfiafras orefi`zft`oi dor ejtt`ie rjports od r`sbs fia

    mrjfngjs, fia ajfl`ie w`tg tgjh>> Qgjrj frj NJ]Qs `i host fllift`ois Qgjrj frj sjvjrfl `i tgj Z^F

    TJ]@^ 8 f puml`n sjt od stfiafras dor lfieufej to ajsnr`mj sjnur`ty

    `in`ajits, to fvo`a, or l`h`t h`snoinjpt`ois or h`snohhui`nft`oi>1

    >> gttps;//wwwnjrtore/mloes/`is`ajr_tgrjft/=366/37/tgj_njrt_`is`ajr_tgrjft_aftfmfsjgthl>1 gttp;//wwwvjr`snohhui`tyijt/aobupgp

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    67 ^olut`oi @ajfs my Fl Hfn 7/5/=36> 66;34;>4 SH

    67 ^olut`ois `i Ift`oifl ^jnur`ty dolajr

    =3 host nr`t`nfl nymjr sjnur`ty noitrols dor fiy `ist`tut`oi>:

    @i tjrijt Nr `hj Sft tjris Sg`sg`ie '> Kuly)

    ^jvjrfl orefi`zft`ois nohj out w`tg fiiufl rjports fmout pfttjris od@itjrijt nr`hj Qg`s nfi gjlp pjoplj wgo frj d`egt`ie tgft nr`hj, ortry`ie to protjnt fef`ist mj`ie v`nt`hs, biow`ie wgft frj tgj erjftjstr`sbs, so tgjy nfi hfrsgfl tgj`r l`h`tja rjsournjs host jddjnt`vjly

    Ugji @ aowilofa aons, @ ifhj tgjh us`ie f dorhft;6 Ugft orefi`zft`oi puml sgja `t?= Ugft `s `t fmout, oi f g`eg ljvjl?> Hfymj f sjnoiafry ajit d`nft oi f`a1 T`itfej puml`sgja

    FSUE>4

    Sg`sg`ie =36> Fpr`l>5

    >3 pfejs

    @d you frj uidfh`l`fr w`tg FSUE pg`sg`ie rjports, wgji you ejt tg`sd`rst oij, you h`egt kust pr`it sohj bjy pfejs;

    :(6>, 6:(64, 67(60, =6 8 lots od ngfrts fia erfpgs ajp`nt`ie mfs`niuhmjrs, rft`os Qgj aftf s dor 6st $ =ia od =363 =366 =36=

    ==(=0 8 l`st od top ljvjl aohf`is sgow`ie2 lonft`oi2 hfrbjt sgfrj totfl $pg`sg`ie, fia gow hung od tgft `s nroobja s`tjs 'hfl`n`ous) fs opposja tolje`t`hftj s`tjs wg`ng gfvj mjji `id`ltrftja Iot`nj tgft sjvjrfl top ljvjlaohf`is gfvj IO pg`sg`ie droh tgjh, mut tg`s promljh `s prjtty pjrvfs`vj

    fnross host od tgjh, w`tg f djw sp`bjs

    My fiflyz`ie pg`sg`ie wg`ng toob plfnj `i tgj sjnoia gfld od =36=, FSUE gfsljfrija gow tgj pg`sgjrs pjrpjtrftja tgosj fttfnbs, fia wgft ajdjis`vjhjfsurjs frj fia frj iot worb`ie ^ohj pg`sgjrs gfvj mjji mrjfb`ie `ito Ujmgost`ie prov`ajrs to erjft jddjnt, f trjia wj sjj `i tgj w`ajr worla od nymjr(nr`hj

    Qg`s rjport hfps trjias fia tgj`r s`ei d`nfinj my qufit dy`ie snopj od tgj elomflpg`sg`ie promljh ^pjn`d`nflly, tg`s rjport jxfh`ijs fll pg`sg`ie fttfnbs ajtjntja`i sjnoia gfld od =36= '=G=36=, 6 Kuly =36= tgroueg >6 Ajnjhmjr =36=)

    Qgj aftf wfs nolljntja my tgj Fit`(Sg`sg`ie Uorb`ie Eroup, fia suppljhjitjaw`tg aftf droh sjvjrfl pg`sg`ie djjas, NII@N, fia pr`vftj sournjs Qgj FSUEpg`sg`ie rjpos`tory `s tgj @itjrijts host nohprjgjis`vj frng`vj od pg`sg`ie fia

    >:gttps;//wwwsfisore/nr`t`nfl(sjnur`ty(noitrols/

    >4FSUE 8 Fit`(Sg`sg`ie Uorb`ie Eroup

    >5=36> Fp r >3aowilofaja FSUE Elomfl Sg`sg`ie ^urvjy rjport wg`ng fiflyzjs pg`sg`ie fttfnbs

    ajtjntja `i tgj sjnoia gfld od =36=, v`f gttp;//sjnur`tyfddf`rsno/woraprjss/6>006/nymjr(nr`hj/fpwe(elomfl(

    pg`sg`ie(survjy(rjportgthl tgfibs to gjfas up droh f L`ibja @i nymjr sjnur`ty eroup

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    60 ^olut`oi @ajfs my Fl Hfn 7/5/=36> 66;34;>4 SH

    60 ^olut`ois `i Ift`oifl ^jnur`ty dolajr

    j(hf`l drfua fnt`v`ty FSUE `s erftjdul to NII@N fia tgj Fit`(pg`sg`ie Fll`finj odNg`if 'FSFN) dor sgfr`ie tgj`r aftf

    Hfkor d`ia`ies `i tg`s rjport `inluaj;

    6) Sg`sgjrs frj mrjfb`ie `ito gost`ie prov`ajrs w`tg uiprjnjajitja

    sunnjss, us`ie tgjsj dfn`l`t`js to lfuing hfss pg`sg`ie fttfnbs) Qgjiuhmjr od pg`sg`ie fttfnbs rosj auj to tg`s tjngi`quj, fia fttfnbs

    ljvjrfe`ie tgjsj rjsournjs rjprjsjitja 15* od fll pg`sg`ie fttfnbs

    rjnoraja worlaw`aj `i tgj sjnoia gfld od =36=) '^jj pfejs :(4)

    =) Qgj fvjrfej fia hja`fi upt`hjs od pg`sg`ie fttfnbs rjhf`ija lowjr

    tgfi tgj g`stor`nfl fvjrfej) 'Sfejs 5(7)

    >) Sg`sgjrs rje`stjrja horj sumaohf`is tgfi rjeulfr aohf`i ifhjs

    'pfejs 64(65), wg`lj tgj iuhmjr od aohf`i ifhjs rje`stjrja my

    pg`sgjrs gfs aroppja s`ei`d`nfitly s`inj jfrly =366 'pfejs 66(6=)

    Qgjrjs sohj ejjby lfieufej `i sohj rjports l`bj tgjsj Gjrj `ssohj usja my tgj FSUE rjport, to gjlp w`tg nlfr`ty; FSFN 8 Fit`(Sg`sg`ie Fll`finj od Ng`if FSUE 8 Fit`(Sg`sg`ie Uorb`ie Eroup tgjy trfnb pg`sg`ie trjias fia

    aohf`is usja Qg`s `s tgj`r feerjeftj rjport dor Kuly(Ajn =36=gttp;//wwwfpweore `idoCfpweore Gjrj frj prjv`ous rjports;gttp;//wwwfit`pg`sg`ieore/rjsournjs/fpwe(rjports/

    Mfib`ie ^nfh rjvjfljagttp;//wwwsyhfitjnnoh/noiijnt/frt`nljs/mfib`ie(snfh(rjvjflja

    Motijt 8 nohputjrs frj sjnrjtly nohproh`sja, so tgft tgjy nfi mjlfuing`ie pfas dor hfiy tgousfias od noinurrjit fttfnbs fef`ist

    Fhjr`nfi Mfibs, fia otgjr nr`t`nfl `idrfstrunturj, or dor lfuing`ie pg`sg`ieor otgjr hflwfrj Nlustjrs od tgjsj nohproh`sja nohputjrs, fia tgjnoitrols to opjrftj tgjh dor sung fttfnbs, frj mouegt fia sola my j(nr`h`ifls

    nnQLA 8 nouitry noaj top ljvjl aohf`i NII@N 8 Ng`if @itjrijt Ijtworb @idorhft`oi Njitjr

    gttps;//jiw`b`pja`fore/w`b`/Ng`if_@itjrijt_Ijtworb_@idorhft`oi_Njitjr Nroobja Aohf`is; ^ohj aohf`is stfrt out lje`t`hftj, tgji frj `id`ltrftja

    my nroobs ^jj Hfss Mrjfb(`i tjngi`quj, dor jxfhplj Otgjr aohf`isfrj rje`stjrja my tgj nroobs, fia usja flhost jxnlus`vjly dor tgft ^jjBIZKOI dor durtgjr `is`egt fmout tgft FSUE nflls tgj nroobja aohf`is

    hfl`n`ous rje`strft`ois tgft `s, rje`stjr`ie f aohf`i w`tg tgj dull `itjit`oiod us`ie `t kust dor nroobja fnt`v`ty Qg`s mjgfv`or `s i ajnl ij, iow aowito 4:* od tgj s`tjs usja dor lfuing`ie pg`sg`ie Od tgosj 4:* ':,7>:aohf`is), 17* wjrj rje`stjrja to tfrejt Ng`if

    Nymjr ^jnur`ty rjqu`rjs protjnt`oi droh hfiy a`ddjrjit b`ias od tgrjfts,oij od wg`ng `s tgj noi efhj biowi fs pg`sg`ie Our @itjrijt sjnur`ty,sung fs fit`(v`rus, fit`(spfh, jtn nfi nftng ^OHJ od tg`s studd, mut `i hy

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    =3 ^olut`oi @ajfs my Fl Hfn 7/5/=36> 66;34;>4 SH

    =3 ^olut`ois `i Ift`oifl ^jnur`ty dolajr

    jxpjr`jinj, usjrs ijja to mj v`e`lfit fmout susp`n`ous pfttjris, mjnfusj`itjrijt sjnur`ty sjrv`njs ao IOQ nftng fll od `t

    Drfua Uftng @itjrift`oifl gttp;//wwwdrfuawftng`itjrift`oiflnoh/ eQLA 8 ejijr`n top ljvjl aohf`i @NFII 8 tgj @itjrift`oifl stfiafras moay wg`ng hfifejs @itjrijt ifh`ie

    @AIs 8 `itjrift`oifl`zja aohf`i ifhjs @^S 8 @itjrijt ^jrv`nj Srov`ajr BIZKOI gttp;//wwwbiukoinoh/ 8 io kuib mfnbwfras, fi j(hf`l sjrv`nj

    wg`ng puts spfhhjrs `i tgj slfhhjr, fia fiflyzjs tg`s dorh od orefi`zjaj(nr`hj @ sueejst you ao fi @itjrijt sjfrng dor tgj lftjst BIZKOI]je`strfr rjport, wg`ng trfnbs wg`ng rje`strfrs od @itjrijt faarjssjs frjhost nr`h`ifl(dr`jialy Qgjrj hfy mj f norrjlft`oi tgjrj w tg sohj od tgjrjsults od FSUE fiflys`s gttp;//wwwbiukoinoh/rje`strfrs/ Dor hfiyyjfrs iow, @ gfvj mjji dorwfra`ie hy spfh to BIZKOI 'io kuibmfnbwfras), fdtjr @ gfa tr`ja hfiy otgjr sjrv`njs, $ iot douiasft`sdfnt`oi Biukoi gfs noitr`mutja to f rfp`a rjaunt`oi `i tgjsj b`ias od

    fttfnbs oi hj @i tgj lfst yjfr or so, @ iot`nj tgft pg`sg`ie nlf`h`ie to mjdroh hy @^S j(hf`l sjrv`nj gfs mjji tgj host nohhoi vjntor fef`isthj

    Hfss Mrjfb(`i tjngi`quj; ^tfrt`ie `i =366, pg`sgjrs mrobj `ito aohf`iswg`ng gost hfiy sum(aohf`is, wgft tgj `iaustry nflls sgfrja v`rtuflsjrvjr wg`ng wj odtji d`ia v`f mloee`ie sjrv`njs Oinj tgj uppjr aohf`i`s pjijtrftja, tgj pg`sgjr uplofas g`s noitjit tgjrj, tgji nop`js `t tojvjry gost(ifhj sjrvja my tgft hf`i aohf`i, so tgft fll wjm s`tjs oi tgftsjrvjr a`splfy tgj pg`sg`ie pfejs v`f f nustoh suma`rjntory @i tgj =ia od =366, tg`s tjngi`quj fnnouitja dor 15* od fll pg`sg`ie fttfnbs rjnorajaworla w`aj Qg`s typj od fttfnb gfs ajnl`ija `i =36=, mut `s st`ll f m`e

    promljh Sfy Sfl 8 >0* od fll pg`sg`ie fttfnbs wjrj fef`ist Sfy Sfl usjrs Sg`sg`ie 8 j(hf`ls fia wjm s`tjs hfsqujrfa`ie fs sohjtg`ie wg`ng tgjy

    frj iot, ajs`eija to sunb tgj uisuspjnt`ie `ito hflwfrj `idjnt`oi, fia/or`ajit`ty tgjdt v`nt`h`zft`oi Qrfa`t`oiflly pg`sg`ie gfs iot mjji faarjssjato us pjrsoiflly, rftgjr `t `s f ejijr`n gjy nustohjr, n`t`zji, rjs`ajit orwgftjvjr fiiouinjhjit flljejaly droh f plfnj wj hfy ao mus`ijss w`tg,or sohj mrfing od our eovjrihjit @i rjnjit yjfrs, tgjrj gfs mjji spjfrpg`sg`ie, wg`ng tfrejts pjoplj my tgj`r spjn`d`n ifhj, w`tg noitjitrjljvfit to tgj`r jhployhjit aut`js gttps;//jiw`b`pja`fore/w`b`/Sg`sg`ie

    Sg`sg`ie Eu`aj gttp;//wwwtjngi`nfl`idoijt/pfpjrs/Sg`sg`iegthl 8

    prjvjit`ie mjnoh`ie f v`nt`h, rftgjr loie w`iaja gttp;//wwwpg`sg`ieore/ `s horj usjr(dr`jialy

    Sg`sg Qfib gttps;//wwwpg`sgtfibnoh/ 8 pg`sg`ie rjportja my ejijrflpuml`n

    ^gfrja v`rtufl sjrvjr sjj Hfss Mrjfb(`i tjngi`quj ^Z]ML gttp;//wwwsurmlore prov`ajs drjj `idorhft`oi oi fmus`vj usj od

    url sgortjijr sjrv`njs QLA 8 top ljvjl aohf`i

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    =6 ^olut`oi @ajfs my Fl Hfn 7/5/=36> 66;34;>4 SH

    =6 ^olut`ois `i Ift`oifl ^jnur`ty dolajr

    Zpt`hjs, or l`vj t`hjs od Sg`sg`ie fttfnbs 8 tgj fhouit od t`hj fiy e`vjipg`sg`ie jddort `s fnt`vj, mjtwjji tgj t`hj od lfuing, to wgji tgj pg`sgjrhovjs oi to f a`ddjrjit lfuing s`tj Qg`s `ido `s usjdul oily dor nymjrsjnur`ty futgor`t`js try`ie to guit aowi `ia`v`aufl nroobs Qgj rjfl`ty `stgft wj h`egt rjnj`vj f pfrt`nulfr typj od pg`sg`ie fttfnb oi f rjeulfr

    mfs`s droh a`ddjrjit pg`sg`ie sournjs Z^(Njrt gttps;//wwwus(njrteov/rjport(pg`sg`ie wfits pjoplj to rjport

    pg`sg`ie to tgjh, so tgjy nfi ao sohjtg`ie fmout t @ usj BIZKOI`istjfa, mjnfusj BIZKOI gfs rjports to ljt us biow wgft proerjss tgjyfrj hfb`ie, d`egt`ie tgj pg`sgjrs wgoh wj rjport

    UGO^@^ 8 f sjrv`nj `ajit`dy`ie wgo rje`stjrja top ljvjl aohf`is ^ohjtop ljvjl aohf`is, wg`ng prov`aj gost`ie sjrv`njs, frj iow prov`a`ieUGO^@^ rje`strft`oi od tgj`r sum(aohf`i nustohjrs

    @hprovj Qjng dor Kust`nj '> Kuly)

    Uj gfvj sjr`ous promljhs `i our son`jty, mflfin`ie ijjas doreovjrihjit `ivjst`eft`ois, jxpjntft`oi od pr`vfny my n`v`l`fis, fiatjngioloey so tgft tgosj two ijjas nfi mj sft`sdfntor`ly sft`sd`ja

    Oij od tgj purposjs od hy iotjs `s to d`eurj out wfys gow wjnolljnt`vjly nfi ao f mjttjr kom

    Uj gfvj sjji, `i rjnjit g`story, wgjrj AIF jv`ajinj gfs lja to tgjrjljfsj droh pr`soi, od hfiy pjoplj noiv`ntja my w`tijss tjst`hoiyU`tijss tjst`hoiy `s odtji uirjl`fmlj, fia uidortuiftjly tg`s `s flso

    truj dor wjll trf`ija pol`nj odd`njrs

    Gjrj `s f story od wgjrj v`ajo jv`ajinj a`sprovja pol`nj hjhor`js odfi `in`ajit, ljfa`ie to fnqu`ttfl od tgj fnnusja pjrsoi wgo hostsurjly woula gfvj mjji douia eu`lty w`tgout tgj v`ajo jv`ajinj>7

    Uj ijja to jinourfej horj usj od v`ajo `i puml`n plfnjs, iot ljss,mut sohj plfnjs sgoula iot mj pgotoerfpgja, fia wj ijja to hfbj`t jfs`jr dor tgosj to mj `ajit`d`fmlj to pgotoerfpgjrs Uj ijja to`hprovj fm`l`ty to trfnb pgotoerfpgs od snjijs `ivolvja `i sohjfltjrnft`oi nfll`ie dor ljefl rjsolut`oi

    @ jiv`sfej n`ty hfps us`ie `ido droh eovjrihjit fia mfib`ie`iaustry rjfl jstftj rjnoras Nurrjit hfps woula mj jigfinja tosgow wgft plfnjs frj puml`n fia aur`ie wgft gours n`ty pfrbs fia

    >7gttp;//mloesv`llfejvo`njnoh/ruii`isnfrja/=36>/3>/kury_d`ias_onnupgp

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    == ^olut`oi @ajfs my Fl Hfn 7/5/=36> 66;34;>4 SH

    == ^olut`ois `i Ift`oifl ^jnur`ty dolajr

    sgopp`ie njitjrs frj oily opji to tgj puml`n aur`ie afy, sohjjvji`ies Sr`vftj frjfs noula gfvj ruljs suppl`ja my propjrtyowijrs Sgotoerfpgy `s fllowja;

    Oily fdtjr wr`ttji pjrh`ss`oi droh Q`tlj od wgoh

    Dfh`ly hjhmjrs $ futgor`zja eujsts hfy tfbj pgotos, io oijjlsj Ob to d`lh `i plfnjs opji to puml`n, jxnlua`ie mftgroohs Qg`s plfnj, dor ift`oifl sjnur`ty rjfsois, hfy oily mj d`lhja my

    futgor`zja eovjrihjit jhployjjs fia noitrfntors

    Lftjr nfhjrf fps woula biow ES^ lonft`oi, rjlft`vj to tgj hfp,biow wgji tgj nfhjrf `s po`itja ft f lonft`oi wgjrj pgotoerfpgy `sprog`m`tja, rjplfnj v`jw w`tg fi fppropr`ftj njisorsg`p p`nturj

    Nfhjrf fps ijja to `inluaj, `i sum(t`tljs fia bjyworas, lonft`oi odd`lh`ie, t`hj od d`lh`ie, `i f dorhft wg`ng fi @itjrijt sjfrng nfi d`ia^o wgji sohj `in`ajit `ivjst`eft`oi, ajdjisj a`snovjry, pol`njdollowup, ijws hja`f, jtn sjjb horj `ido fmout sohj jvjit fdtjrtgj dfnt, fi `itjrijt sjfrng nfi lonftj fiytg`ie uplofaja to PouQumjor otgjr rjsournjs, wgosj lonft`oi/t`hj `s rjljvfit to tgj `in`ajit

    Sol`nj noula sjfrng 'w`tg wfrrfit or sumpojif) njll towjr fia w`(d`fnt`v`ty `i v`n`i`ty od lonft`oi/t`hj to sjjb potjit`fl w`tijssjs

    ^jj `i hy ^ngool Ng`larji Fmaunt`oi ^nfiafl iotjs wgjrj @sueejst `hprovjhjits to tgj Fhmjr Fljrt systjh>0 Qgj flljejauisolvja promljh tgjrj `s;

    ^ngool mus stops, fia routjs my wg`ng ng`larji wflb mjtwjjigohj fia sngool w`tgout fault supjrv`s`oi, frj odtji prjaftor(dr`jialy

    Qgjrj frj iuhjrous `in`ajits od ng`larji mj`ie fmauntja wgjinohhut`ie mjtwjji gohj fia sngool Hfiy `i`t`fl pol`nj`ivjst`eft`ois sjjh to mj a`strfntja my susp`n`ois fmoutmrobji dfh`l`js, rftgjr tgfi donus`ie oi poss`mlj w`tijssjs totgj fmaunt`oi My tgj t`hj pol`nj turi to tgj lfttjr, tgj ng`la `sajfa, or lost dorjvjr

    Uj ljfrija droh tgj Mostoi mohm`ie `ivjst`eft`oi tgft nr`hjsnfi mj rfp`aly solvja wgji futgor`t`js gfvj outrjfng to tgj

    >0gttp;//wwwsnr`manoh/aon/665=71==0/^ngool(^nfiafls(fia(Fmaunt`ois

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    => ^olut`oi @ajfs my Fl Hfn 7/5/=36> 66;34;>4 SH

    => ^olut`ois `i Ift`oifl ^jnur`ty dolajr

    ejijrfl puml`n, fia tgj Mostoi mohm`ie noula gfvj mjjiprjvjitja, gfa tgjrj mjji sung outrjfng jfrl`jr, nohm`ijaw`tg d x`ie tgj aftf stovjp`pj `idrfstrunturj @ gfvj horj `idooi wgft wj iow tg`ib wjit wroie, fia wgft noula mj aoij

    fmout `t `i hy Mostoi Mohm`ie iotjs,

    13

    mut @ flso plfi tofaa sohj `ajfs gjrj, wg`ng frj rjljvfit to f m`eejr p`nturjtgfi fiy oij `ia`v`aufl mfa `in`ajit

    Uj ljfrija droh tgj Nljvjlfia Og`o b`aifp rjsnuj tgft wgjitgjrj `s f lfnb od nohhui`nft`oi mjtwjji tgj pol`nj fianohhui`t`js, tgft sjr`ous nr`hjs nfi eo dor yjfrs w`tgoutrjsolut`oi Nohhui`t`js nfi `inluaj;

    o Sjoplj worb`ie fia l`v`ie `i sohj pfrt`nulfr ejoerfpgy2o Sjoplj wgo frj rjnjit lfw(fm`a`ie `hh`erfits, w`tg tgj

    Fhjr`nfi Arjfh2o Sjoplj od vfr`ous rjl`e`ois2o Sjoplj wgosj pjrsoifl l`vjs frj lfrejly oi(l`ij2o Sjoplj `i vfr`ous prodjss`ois, wgo gfvj jxpjrt`sj wg`ng

    `s a`ddjrjit droh tgft od pol`nj `ivjst`eftors ^o `i hy ^ngool Ng`larji ^nfiafl iotjs @ try to ajtjrh`ij `d

    tgjrj `s jv`ajinj to sumstfit`ftj tgj flljeja pfttjris oduisolvja promljhs, fia wgft solut`ois jx`st wg`ng h`egth`t`eftj tgjsj s`tuft`ois, wg`ng frj jnoioh`nflly v`fmlj, e`vjip`ingja muaejts od lonfl eovjrihjits

    Motngja Sol`nj ]f`as '> Fpr`l)

    Gjrj `s f hfp oi NFQO Sol`nj H`snoiaunt s`tj od wgji fia wgjrjpol`nj `i tgj Z^F gfvj hfaj pfrfh`l`tfry fttfnbs oi sohj `iionjitgousjgola, aoij sjr`ous gfrh tgjrj, tgji sf`a tg`s wfs f oinj `i fh`ll`oi jrror16 Ujll, `t gfppjis tgousfias od t`hjs fll ovjr tgj Z^FQgjrj frj otgjr `in`ajits od pol`nj b`ll`ie pjoplj tgft sohjt`hjsajd`js jxplfift`oi1=

    13 gttp;//wwwsnr`manoh/aon/6>461==0>/Mostoi(Mohm`ies(=36>(Fpr`l(my(Fl(Hfn^tfrt ijfr mottoh odQ`hj L`ij 'wg`ng gfs host rjnjit oi top, jfrl`jst jvjits ft mottoh) wgjrj@ fsb Ugft noula gfvj mjji aoij a`ddjrjitly to fvo`a tg`s?, tgji mje`i to jxplorjhult`plj fiswjrs to tgft qujst`oi

    16gttp;//wwwnftoore/rf`ahfp

    1=gttp;//www`iionjitaowiore/

    gttp;//wwwpgotoerfpgy`siotfnr`hjnoh/=36>/3>/=1/ijmrfsbf(pol`nj(ngfsj(aowi(hfi(v`ajo(rjnora`ie(

    tgj`r(fmusj(wg`lj(sjnoia(hfi(v`ajo(rjnoras(`t(fll/

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    =1 ^olut`oi @ajfs my Fl Hfn 7/5/=36> 66;34;>4 SH

    =1 ^olut`ois `i Ift`oifl ^jnur`ty dolajr

    Qgjsj rf`as fnnohpl`sg iotg`ie towfras d`egt`ie wgftjvjr flljejanr`hj tr`eejrja tgj ajn`s`oi to lfuing tgj rf`as

    Sromljh; Sol`nj trf`i`ie `s gow to rfp`aly ovjr powjr sjr`ousnr`h`ifls ^jr`ous nr`h`ifls gfvj ljfrija, droh hult`plj jinouitjrsw`tg pfrfh`l`tfry pol`nj rf`as, tgft tgjy hust qu`nbly surrjiajr tofvo`a mj`ie b llja Ora`ifry lfw fm`a`ie n`t`zjis ao iot biow gow torjfnt, odtji rjfnt mfaly, ao iot biow tgft tgj `ivfajrs frj tgj pol`nj,ao iot rjspoia tgj sfhj wfy fs tgj nr`h`ifl worla, jspjn`flly wgji`t wfbjs tgjh droh f souia sljjp `i h`aalj od i`egt Qg`s ngfot`nrjfnt`oi `s outs`aj wgft pol`nj trf`i`ie fit`n`pftjs

    Motngja ]f`as frj f hfss`vj wfstj od tfxpfyjr hoijy

    ^urv`vors od tgjsj fttfnbs, or dfh`ly hjhmjrs od tgj ajnjfsja, sujtgj lonfl n`ty eovjrihjits, fia nolljnt guiarjas od tgousfias odaollfrs `i nohpjisft`oi

    @t `s oij od tgj rjfsois wgy Z^ ift`oifl sjnur`ty gfs ft ljfst twoguhfis b`llja jvjry afy my pol`nj euis `i tgj Z^F, tgji rulja fssohjtg`ie otgjr tgfi goh`n`aj @ gfvj hung horj oi eui b`ll`ie

    stft`st`ns `i hy Hfss ^goot`ie rjsjfrng iotjs @i tgosj, fiaotgjr rjsjfrng iotjs, sung fs ^ngool ^nfiafls, @ gfvj

    aonuhjitja fi jp`ajh`n, pfiajh`n, or plfeuj, od promljhs, tgjinois`ajrja `ajfs gow mjst wj nfi h`t`eftj tgjh

    @i tg`s frjf flso, @ gfvj sohj `ajfs oi wgft hfbjs sjisj

    Hja`nfl mfnbup '> Hfrng)

    Uoula `t hfbj sjisj dor pol`nj rf`as to mj fnnohpfi`ja mypfrfhja`ns, pfrbja kust outs`aj tgj plfnj to mj rf`aja, `i nfsj od;

    Sol`nj odd`njrs ejtt`ie wouiaja aur`ie tgj rf`a2 @iionjit v`nt`hs ejtt`ie wouiaja aur`ie tgj rf`a2 Flljeja nr`h`ifls ejtt`ie wouiaja aur`ie tgj rf`a

    ^o `istjfa od tgj pol`nj rf`a pjrsoiijl try`ie to rusg wouiaja`ia`v`aufls to ejt hja`nfl fttjit`oi, hja`nfl fttjit`oi `s oi snjij`hhja`ftjly

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    =: ^olut`oi @ajfs my Fl Hfn 7/5/=36> 66;34;>4 SH

    =: ^olut`ois `i Ift`oifl ^jnur`ty dolajr

    Qg`s iot`oi od jxpfis`oi, od wgft typjs od prodjss`oifls eo oi f

    pfrt`nulfr h`ss`oi, `s flso `i hy @ia`fif Df`rerouias @in`ajitiotjs Qgjy gfa tgousfias od pjoplj ft f noinjrt Oi stfia mywjrj fhmulfinj nrjw, pol`nj, otgjr d`rst rjspoiajrs, mut wgft tgjy

    rjflly ijjaja wfs f wjftgjr prodjss`oifl, sohjoij wgo woula biowwgft `t hjfis dor tgj wjftgjr sjrv`nj to sfy tgft sjvjrj wjftgjr wfsfrr`v`ie `hh`ijit Ugji tgj pjoplj `i ngfrej, gjfra tgft wfri`ie,tgjy tgji gfa f hjjt`ie to a`snuss wgft `t hjfit, wg`ng hjfis tgjpjoplj a`a iot ejt jvfnuftja `i t`hj Gfa tgjy gfa f wjftgjrprodjss`oifl oi stfdd, gj/sgj noula gfvj tola tgjh tg`s hjfis tgjyijjaja to `hpljhjit tgj`r jvfnuft`oi plfi `hhja`ftjly

    Ajhoerfpg`n m fnbup '> Hfrng)

    Qgjsj motngja rf`as rfrjly frj tgj purj ajn`s`oi od pol`nj ^ohj

    kuaej s`eija f wfrrfit futgor`z`ie f rf`a Sol`nj frj us`ie m`e aftfhorj fia horj fs f prja`nt`vj tool 1> Qgjsj tools sgoula flso mj pfrtod tgj fiflys`s wgji rjsjfrng`ie wfrrfits

    Qgjrj `s f pfpjr rjnora od wgft `idorhft`oi wfs usja, wg`ng iow nfimj sgowi tgjy gfa f wroie faarjss, wroie `idorhft`oi, wgftjvjr, sotgft ljss rjl`finj nfi mj usja oi tgosj sournjs `i tgj duturj, fiahfymj jvji tfbj sohj pui`t`vj fnt`oi fef`ist tgj dflsj `idorhft`oisournjs Auj to tgj sjnrjny surrouia`ie tgjsj jvjits, tgj puml`n

    gfs io `ajf wgft b`ia od dollow up `s eo`ie oi to h`t`eftj r`sb od sfhjtg`ie gfppji`ie fef`i, w`tg`i tgj sfhj nohhui`ty

    Qgj Sost Odd`nj biows tgj ifhjs od pjoplj rjnj`v`ie sif`l hf`l ftpfrt`nulfr faarjssjs Qgjy gfvj f aftf mfsj dor hfss hfrbjtjrs,w`tg ngfiej od faarjssjs odd`n`flly fia uiodd`n`flly rjportja Qgjpronjss od `ssu`ie wfrrfits noula fnnjss tg`s, fia otgjr eovjrihjitaftf mfsjs, to mj fljrtja `i favfinj to tgj jxpjntft`oi tgft tgj gohjtgjy frj fmout to must `ito, `s l`bjly to noitf`i shfll ng`larji, jlajrly,a`sfmlja, pjoplj w`tg pfrt`nulfr hja`nfl promljhs @istjfa, tgjy frj

    eo`ie `i ml`ia

    Fpfrthjit rjitfl ljfsjs, gfvj fs f noia`t`oi od tgj ljfsj, tgft fllrjs`ajits ifhjs mj oi tgj ljfsj @i otgjr woras, d sohjoij hovjs

    1> gttp;//www`idorhft`oiwjjbnoh/sodtwfrj/mus`ijss(`itjll`ejinj/m`e(aftf(plus(pol`nj(worb(eooa(pfrtijrs/=13331=03

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    =4 ^olut`oi @ajfs my Fl Hfn 7/5/=36> 66;34;>4 SH

    =4 ^olut`ois `i Ift`oifl ^jnur`ty dolajr

    `i w`tg you, you gfvj fi oml`eft`oi to `idorh fpfrthjit hfifejhjitod tgj `ajit`ty od your ijw awjll`ie nohpfi`oi's) Mjdorj f pol`njrf`a `s `hpljhjitja, tgjy nfi ngjnb w`tg tgj fpfrthjit odd`nj to ejt fnopy od tgj lftjst ljfsj pfpjrworb, l`st`ie tgj pjoplj odd`n`flly rjs`a`ietgjrj, wg`ng sohjt`hjs flso `inluajs `ajit`d`nft`oi od wgjrj tgjyworb, wgo to noitfnt `i nfsj od jhjrejiny

    Sol`nj ngfl ljiejs '> Hfrng )

    Nfi tgj kom od tgj pol`nj mj hfaj s`hpljr, so ljss proij to jrror?

    Our ift`oi%s nolljnt`oi od lfws frj noistfitly mj`ie fhjiaja, faajato Sol`nj odd`njrs frj jxpjntja to biow 633* od tgj lfws dor ift`oi,f stftj, fia lonfl, fia woj mjt`aj tgj odd`njr wgo ejts nfuegt hfb`ief h`stfbj tgjrj

    Qgj pol`nj gfvj f gorr`mlj kom @ fh elfa @ ao iot gfvj tgj`r kom @sfw f yjfr or so feo `i ijwspfpjr sohj stft`st`ns oi pjoplj wgogfvj koms, fia st`ll ijja dooa stfhps @ia`fif ^tftj Qroopjrs wjrjoi tgj l`st, od pjoplj wgo frj pf`a so poorly, tgft tgj`r dfh`l`js gfvjto mj oi dooa stfhps Qgj oily eooa ijws `i tg`s `s tgft hjfis tgft@I ^tftj Qroopjrs nfi `ajit`dy w`tg poor pjoplj fia tgj h`aalj nlfss,nohpfrja to tgj Lje`slftors wgo ajn`aj tgj`r `inohj Hostpol`t`n`fis frj h`ll`oif`rjs, or m`ll`oif`rjs, wgo ao iot `ajit`dy w`tg tgjijjas od poor fia h`aalj nlfss pjoplj

    @iaoor Hfps '> Djm)

    Qgjrj gfvj mjji hfiy rjnjit nr`sjs `i tgj ijws, wgjrj @ tg`ib tgftd`rst rjspoiajrs noula gfvj aoij f vfstly mjttjr kom, gfa tgjy gfafnnjss `i favfinj to mjttjr `idorhft`oi fmout wgjrj tgjy wjrj eo`ie,`idorhft`oi tgft wfs rjfa`ly fvf`lfmlj mjdorj tgj nr`s`s Uj hust flsomj fwfrj tgft `i host wjftgjr a`sfstjrs, tgj lonfl powjr, pgoijs,@itjrijt, nfi eo aowi, so tgj ijnjssfry `idorhft`oi ijjas to mjorefi`zja `i sung f hfiijr fs to mj fvf`lfmlj `i sung n`rnuhstfinjs

    Gjrj `s `ido fmout @iaoor Hfps droh Eooelj11 Qg`s noinjpt hfy iotworb dor pjoplj `is`aj f Ifturfl A`sfstjr `hhja`ftj fdtjrhftg, wgjrjtyp`nflly tgjrj `s f loss od powjr, pgoijs, fia @itjrijt noiijnt`ois

    11gttps;//hfpseooeljnoh/gjlp/hfps/`iaoorhfps/

    gttps;//hfpseooeljnoh/gjlp/hfps/`iaoorhfps/dfqsgthl

    gttps;//supporteooeljnoh/ehh/m`i/fiswjrpy?gl8ji$fiswjr8647:7=5

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    =5 ^olut`oi @ajfs my Fl Hfn 7/5/=36> 66;34;>4 SH

    =5 ^olut`ois `i Ift`oifl ^jnur`ty dolajr

    @i faa`t`oi to tgj outfej r`sb, tgjrj frj flso nymjr sjnur`ty `ssujs

    Iot fll `iaoor hfps sgoula mj fvf`lfmlj to tgj puml`n `i tgj sfhjajtf`l fs to d`rst rjspoiajrs, mjnfusj od tgj r`sb od gow nr`h`ifls fiatjrror`sts h`egt usj tgj `ido @i Fl Hfn op`i`oi, fi opt`hfl solut`oiwoula mj two sjpfrftj hfps;

    Nljfrly lfmjlja fs opji to tgj puml`n, w`tg oily tgj aftf wg`ngsgoula mj sgfrja w`tg tgj puml`n, d`iafmlj my @itjrijt sjfrng

    Nljfrly lfmjlja fs eovjrihjit nlfss`d`ja, or l`h`tja fnnjss, orwgftjvjr tgj tjrh`ioloey `s, fia sumkjntja to NJ]Q nymjrfua`t,1: or jqu`vfljit fua`t, to vjr`dy tgft `t `s iot fvf`lfmlj touifutgor`zja pjrsois

    Ug`lj `t `s poss`mlj to gfvj oij hfp, `i wg`ng a`ddjrjit usjrs sjja`ddjrjit ljvjls od ajtf`l, tg`s b`ia od nymjr strunturj nfi mj a`dd`nult tohfifej dor fah`i`strftors od sohj typjs od sodtwfrj tools, wg`ngrjqu`rj drjqujit pftngjs, odtji poorly uiajrstooa my tgj nl`jits od tgjsodtwfrj

    Tjry djw aftf ijtworbs frj fnnjss`mlj =1x5 Qgjy ijja to eo aowidor mfnbups fia uperfajs ^ohjt`hjs uperfajs `itroaunj ijwpromljhs w`tg fnnjss ^ohj od tgjsj hfps, `itjiaja to gjlp d`rst

    rjspoiajrs, hfy mj od `itjrjst to nr`h`ifls, fia otgjr troumlj hfbjrsQgj worlas, od eovjrihjit fia pr`vftj `iaustry, ao iot gfvj f eooatrfnb rjnora wgji `t nohjs to nymjr sjnur`ty ^o fiy solut ois flsoijja to tg`ib tgroueg aftf r`sbs

    Flso sjj Fl Hfn iotjs oi

    Jxplos`ois, ifhja @iay Mooh, rjifhja Efs Mooh2 ^ngool ^fdjty ^nfiafls,14

    gttp;//wwwjhjrejinyhehtnoh/jhjrejiny(mloes/a`sfstjr(zoij/`iaoor(eooelj(hfps(36606>gthl1:Ao iot noidusj NJ]Q 8 Nohhui`ty Jhjrejiny ]jspoisj Qjfhs gttps;//wwwn`t`zjinorpseov/njrt/

    wg`ng frj ejijrfl a`sfstjr rjl`jd jddorts, w`tg NJ]Q 8 Nohputjr Jhjrejiny ]jfa`ijss Qjfhs

    gttps;//wwwus(njrteov/fia iotj tgft sung jddorts jx`st dor host jvjry eovjrihjit `i tgj worla, wg`ng

    ajfls w`tg nymjr sjnur`ty `ssujs Qgjrj frj hfiy pr`vftj nymjr sjnur`ty jddorts, wg`ng `i Fl Hfn op`i`oi,

    frj supjr`or to tgj eovjrihjit nymjr sjnur`ty, `i njrtf`i bjy frjfs Ngjnb w`tg Fl dor horj `ido, `d you frj

    `itjrjstja `i tg`s, or sjfrng tgj @itjrijt dor sung ifhjs fs BIZKOI, ^FI^, fia hfkor @itjrijt ^jnur`ty

    sjrv`njs14 Qgjsj frj sjpfrftj fia a`st`int droh Fls iotjs oi Hfss ^goot`ies, wg`ng `inluaj tgj ^fiay Goobjljhjitfry sngool, fia tgj Eui noitrol noitrovjrsy Qgj ^ngool ^fdjty iotjs donus oi r`sbs to

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    =7 ^olut`oi @ajfs my Fl Hfn 7/5/=36> 66;34;>4 SH

    =7 ^olut`ois `i Ift`oifl ^jnur`ty dolajr

    Motg `inluaj h`t`eft`oi ijjaja, wg`ng `s sjr`ously lfnb`ie `ihfiy kur`sa`nt`ois

    Fpfrthjit nohpljxjs, lfrej mu`la`ies, fia strunturjs wgjrj hfiy

    guhfis frj iorhflly lonftja, nfi gfvj f strunturj outs`aj tgj fntuflmu`la`ies, wgjrj motg tgj mu`la`ie hfifejrs, fia tgj d`rj ajpt, gfvjbjys Oi f rjeulfr mfs`s, tgj mu`la`ie hfifejrs upaftj wgfts `itgjrj, to hfbj surj `t `s nurrjit w`tg jie`ijjr`ie mlujpr`its fiaonnupfiny aftf @i fi jhjrejiny, tgj d`rj ajpt gfs jvjrytg`ie tgjyijja to biow, to noiaunt f rjsnuj

    Dor fll mu`la`ie strunturjs wg`ng supply tg`s b`ia od `ido, tgj d`rj ajptwoula bjjp tgjh `idorhja oi wgft b`ias od sodtwfrj proaunts tgj d`rjajpt rjspoiajrs nfi gfialj, fia prjdjr, fia `d vjrs`oi .s `ivolvja,

    wgft rfiej od vjrs`oi .s tgjy nfi gfialj, fia prjdjr Sjr`oa`n`ispjnt`ois od d`rj sfdjty h`egt flso `inluaj pjr`oa`n `ispjnt`oi tgfttg`s systjh `s duint`oi`ie fs `itjiaja

    U`tg fpfrthjit nohpljxjs, tgj aftf noula `inluaj; A`rjntory od wgo `s oi wg`ng ljfsj, my fpfrthjit ., fia wgji `t

    `s biowi gow hfiy ng`larji, wgft fejs l`vj tgjrj Hfp od dfn`l`ty, `inlua`ie fpfrthjit .s, aunt worb fnnjss`mlj to

    hf`itjifinj, wgjrj frj sgut(odds dor puml`n ut`l`t`js

    Hfstjr bjy sjt dor fnnjss to outjr aoors od fll tgj mu`la`ies A`rjntory od pgoij.s stfdd pjrsois wgo worb tgj dfn`l`ty A`rjntory od puml`n ut`l`t`js fia otgjr vjiaors wg`ng sjrv`nj tgj

    dfn`l`ty, sung fs wgft vjiaor woula gfvj rjnoras od d`rjjxt`ieu`sgjr `ispjnt`ois

    Fll tg`s `ido oi pfpjr, flso oi NA(]oh, `i dorhft tgft aojs iotrjqu`rj spjn`fl`zja or lftjst sodtwfrj to fnnjss

    A`ddjrjit b`ias od strunturjs woula gfvj a`ddjrjit b`ias od aftf, `itgjsj sfdjty `ido sournjs, sjpfrftj droh tgj fntufl mu`la`ies, rjljvfitto tgj`r b`ia od onnupfiny

    ng`larji nohhut`ie mjtwjji gohj fia sngool, wg`ng `i sohj nohhui`t`js `s f plfyerouia dor rfp`sts,

    pjaopg`ljs, fia hotor`sts wgo nlf`h to mj `eiorfit od tgj duint`oi od sngool mus stop s`eis Fl flso gfs

    sjpfrftj iotjs oi Ng`la nfiafls rjdjrr`ie to pjoplj l`bj Kjrry ^fiausby, fia wgft gfppjija toQrjyvoi Hfrt`i, `i wg`ng tgjrj frj hfiy otgjr stor`js kust l`bj tgosj snfiafls

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    =0 ^olut`oi @ajfs my Fl Hfn 7/5/=36> 66;34;>4 SH

    =0 ^olut`ois `i Ift`oifl ^jnur`ty dolajr

    ^`h`lfrly, @ mjl`jvj tgft hfps od sngools, fia otgjr strunturjs wg`nggfvj lfrej puml`n populft`oi l`bj sgopp`ie hflls fia tgjftjrs, sgoulamj nop`ja to mj fnnjss`mlj to 066 a`spftngjrs Qgji wgji sohjoijnflls 066 to rjport sohj jhjrejiny, tgj a`spftngjr nfi mj loob`ie ftf hfp od tgj mu`la`ie, to norrjlftj wgjrj tgj nflljr `s lonftja, to fsbhorj `itjll`ejit qujst`ois fmout tgj a`rjnt`oi, droh tgj nflljr, towgftjvjr promljhs frj mj`ie rjportja

    Dor tgosj pol`nj nfrs wg`ng gfvj @itjrijt fnnjss, sjehjits od tgjhfps nfi mj rjlfyja to rjspoia`ie odd`njrs

    Fnnora`ie to tgj ^fi Drfin`sno Jxfh`ijr, ^fi Drfin`sno pol nj frjejtt ie sngool dloor plfis oi tgj`r shfrt pgoijs15

    Jnoioh`n Jhmjzzljhjit '> Fpr`l)Dor f rjlftja top`n, sjj hy ngfptjr ajd`i`ie tgj Sjrdjnt Nr`hjw`tg`i hy Mostoi Mohm`ie iotjs17

    T`f son`fl hja`f, pjoplj od a`ddjrjit prodjss`ois nfi jia up `ihjfi`iedul a`snuss`ois od ngflljiejs od supply ngf`i `idorhft`oi fia`itjr(nohpfiy `idrfstrunturj, ljfa`ie to ijw `is`egts

    Gjrj @ sgfrj sohj tgouegts oi;

    @hprov`ie tgj qufl`ty od our n`v`l`zft`oi2 Fia rjaunt`oi `i ejijrfl jxposurj to r`sb od mj`ie f v`nt`h od

    wg`tj nollfr nr`hj

    Qgjrjs sjvjrfl b`ias od jhmjzzljhjit

    Qgjrj `s tgj b`ia wgjrj fi jhployjj `s flljejaly stjfl`ie droh tgjjhployjr, fs `i jxfhpljs @ supply mjlow, lfmjlja SjrsoiflJxpjr jinj Qgjsj nfi mj nfuegt wgjrj tgjrj `s eooa hutuflnoopjrft oi mjtwjji @Q pjoplj, fua`tors, fia hfifejhjit Zsufllyfll wj nfi ejt `s two od tgj tgrjj

    15gttp;//wwwsdjxfh`ijrnoh/lonfl/jaunft`oi/=36>/36/sfi(drfin`sno(sngools(plfi(sgoot`ie(

    rjspoisj(ar`lls.`xzz=@3VUr^uhgttp;//wwwsdjxfh`ijrnoh/lonfl/jaunft`oi/=36>/36/sfi(drfin`sno(sngools(plfi(sgoot`ie(rjspoisj(ar`lls

    17 gttp;//wwwsnr`manoh/aon/6>461==0>/Mostoi(Mohm`ies(=36>(Fpr`l(my(Fl(Hfn

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    >3 ^olut`oi @ajfs my Fl Hfn 7/5/=36> 66;34;>4 SH

    >3 ^olut`ois `i Ift`oifl ^jnur`ty dolajr

    Qgjrj `s tgj b`ia wgjrj f nohpfiy `s dfb`ie aonuhjits or aftfwg`ng frj to eo to eovjrihjit rjeulftors @ tg`ib tgj mjst wfy tonftng tg`s `s to hf`itf`i `iaustry stft`st`ns Gow hung ao wj jxpjntnjrtf`i opjrft`ois to nost? Gow hung od njrtf`i opjrft`ois ao wjjxpjnt f nohpfiy to jiefej `i `d tgjy frj `i sohj typj od mus`ijss?Qgji, tgj oily wfy to sunnjssdully ajdrfua tgj eovjrihjit `s j`tgjrto gfvj f noisp`rftor `is`aj tgj eovjrihjit, or dor hfiy a`ddjrjitnohpjt`ie jitjrpr`sjs to mj `i oi tgj sfhj drfua

    Qgjrj `s tgj b`ia wgjrj f nohpfiys pjrsoiijl frj stjfl`ie drohnustohjrs or vjiaors od tgj nohpfiy Nois`ajr nfusjs od tgj rjnjitworla w`aj jnoioh`n aowituri, wgjrj Ufll ^trjjt nohpfi`js fiaHortefej mrobjrs hfi`pulftja aftf tgjy suppl`ja to tgj`r nl`jits, tohfx`h`zj tgj`r prod`ts, ft tgj jxpjisj od tgj nl`jits, fia tgj

    jnoiohy10

    Qg`s b`ia od ioisjisj nfi mj nfuegt oily my strunturfl ngfiejs `ifm`l`ty to fua`t tgj pjoplj wj ao mus`ijss w`tg, fi fm`l`ty wg`ng `sprfnt`nflly ioi(jx`stjit `i host `iaustr`js, fia `isp`rja tg`s ngfptjrUgji f snjifr`o ejts `ito tgj gfias od tgj lfwyjrs, `ivfr`fmly to ejtft tgj trutg tgj lfwyjrs ijja to biow tgj r`egt qujst`ois to fsb `i tgjnoitjxt od `iaustry stfiafras fia norporftj aftf prfnt`njs

    F pftgwfy to solv`ie tgj fmovj, h`egt mj my fpply`ie @^O stfiafrasto tgj d`ifin`fl `iaustry @ w`ll try to jxplf`i @^O `i f lftjr ngfptjr

    Nois`ajr fi fifloey; Pou hfy rjhjhmjr h`l`tfry mr`jd`ies aur`ie tgjD`rst Euld Ufr 'to l`mjrftj Buwf`t), wgjrj kourifl`sts fss`eija to tgjmr`jd`ies wjrj `eiorfit fmout tgj h`l`tfry, so tgj mr`jdjrs wjrj fmlj topull tgj wool ovjr tgj jyjs od tgj kourifl`sts, djja`ie f lot odioisjisj to tgj jijhy

    Ujll `i ljefl a`snovjry, tgj lfwyjrs, try`ie to ejt `ido, odtji nohj w`tg

    tgj wool pullja ovjr tgj`r jyjs, tgroueg lfnb od uiajrstfia`ie tgj`iaustry or tgj `ist tut`oi Qgjy rjflly ijja to jhploy f eu`aj, l`bjsohjoij wgo dorhjrly worbja tgjrj, fia f hfiufl l`bj tgosj dorfua`tors od wgftjvjr aftf systjhs tgj `ist`tut`oi usjs

    10@ loob `ito tg`s `i erjft ajtf`l `i hy Jnoioh`n A`sfstjr iotjs)

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    >6 ^olut`oi @ajfs my Fl Hfn 7/5/=36> 66;34;>4 SH

    >6 ^olut`ois `i Ift`oifl ^jnur`ty dolajr

    @t aojs iot hfttjr `d tgj lfwyjrs frj `ivjst`eftors dor f eovjrihjitrjeulftory fejiny, or lfwyjrs dor fiotgjr nohpfiy jiefeja `i sohjb`ia od a`sputj, spjn`fl`zja biow(gow `s jssjit`fl `i sjvjrfl bjyfrjfs;

    Qgj `iaustry Qgj nohpfiys aftf systjhs Qgj nohpfiys `itjrifl proaunts fia sjrv`njs

    @^O Qutor `fl '> Fp r`l)

    Qg`s ngfptjr `s iot `itjiaja fs f ajtf`lja jxplfift`oi od @^O,:3 mutrftgjr fi `itroaunt`oi to `ts fppl`nfm`l`ty to horj `iaustr`js tgfi wgjrj`t gfs mjji jhployja so dfr

    ^`inj tgj h`a 6073s, hy afy kom gfs mjji `i hfiudfntur`ie, wgjrjwj wjrj hfb`ie proaunts dor OJHs:6 Qgj OJHs frj vfr`ous mrfiaifhjs host jvjryoij h`egt rjnoei`zj droh tgj Z^ noisuhjrhfrbjt, fia Dortuij :33 nohpfiy ifhjs Qgjy ijja nohpoijitssuppl`ja my otgjr vjiaors, sung fs hy jhployjr Qgjy gfvj mlujpr`its ajtf`l`ie gow tgosj nohpoijits hust mj strunturja, wgjrj tgjvjiaors d`eurj out gow to hfbj tgjh w`tg hfx`huh prod`n`jiny,jdd`n`jiny, qufl`ty, spjja, jtn

    Mjdorj wj faoptja @^O, tgjsj OJH nustohjrs woula sjia`ispjnt`oi tjfhs to our dfn`l`t`js oi f rjeulfr mfs`s, to hfbj surj wjwjrj `i dfnt hfb`ie tgj proaunts to tgj OJH stfiafras U`tg sjvjrflguiarja nustohjrs, tgjrj noula mj a`ddjrjit `ispjnt`oi tjfhs oi ourprjh`sjs jvjry afy Jfng tjfh woula hfbj rjnohhjiaft`ois,wg`ng wj trjftja fs ajhfias to `hpljhjit fs dfst fs poss`mljAjfl`ie w`tg tg`s wfs fi jiorhous muraji dor our hfifejhjit, fiaflso dor tgj OJH nohpfi`js sjia`ie out sung tjfhs to fll tgj`rvjiaors

    U`tg @^O, tgj vfr`ous OJHs spjllja out wgft stfiafras tgjy rjqu`rjaod tgj`r vjiaors, tgji fi `iajpjiajit systjh od @^O fua`tors v`s`t tgjvfr`ous vjiaors, to noiaunt fua`ts oi mjgfld od fll OJHs, wgo ajs`rjtgjsj stfiafras @istjfa od a`ddjrjit OJH `ispjnt`oi tjfhs v`s`t`ieus jvjry afy od tgj yjfr, wj iow gfvj @^O fua`tors v`s`t`ie us jvjry

    :3@^O 8 @itjrift`oifl ^tfiafras Orefi`zft`oi

    :6OJH 8 Or`e`ifl Jqu`phjit Hfiudfnturjr

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    >= ^olut`oi @ajfs my Fl Hfn 7/5/=36> 66;34;>4 SH

    >= ^olut`ois `i Ift`oifl ^jnur`ty dolajr

    4 hoitgs, dor f hult` afy v`s`t Qg`s hjfis tgj `ispjnt`ois frj hunghorj ajtf`lja tgfi uiajr tgj jfng OJH systjh, fia hung ljss`itrus`vj oi our opjrft`ois

    Qgj @^O fua`tors supply l`sts od d`xjs wj ijja to ao, nftjeor`zja `itohfkor fia h`ior pr`or`t`js to `hpljhjit, fia tgjy `idorh our nustohjrOJHs rjefra`ie wgft stfiafras wj frj fmlj to hf`itf`i Mysupply`ie tgj OJHs w`tg tg`s `ido oi fll tgj`r vjiaors, tgj OJHs frjmjttjr fmlj to hfifej tgj qufl`ty od tgj`r supply ngf`i

    Hy jhployjr pfrt`n`pftjs `i tgj @^O 0333 sjr`js, wg`ng gfvj to aow`tg hfiudfntur`ie qufl ty stfiafras, fia tgj noinjpt od noit`iuous`hprovjhjit

    Qgjrj `s flso fi @^O sjr`js dor nymjr sjnur`ty Qg`s worbs f m ta`ddjrjitly @t `s f dorh od jxtjrifl fua`t dor `itjrifl noisuhpt`oiNohputjr sjnur`ty prodjss`oifls gfvj nohj up w`tg stfiafras wg`ngijja to mj hf`itf`ija ft fi `ist`tut`oi, so fs to protjnt tgft outd`tdroh f vfr`jty od r`sbs Qgj @^O nymjr sjnur`ty fua`t `ajit`d`js wgfttgj nohpfiy `s ao`ie r`egt, fia wgjrj `t ijjas to `hpljhjit`hprovjhjits

    Qg`s `ido `s rfrjly nohhui`nftja to tgj `ist`tut`ois nustohjrs Ugjiwj usj our mfib nfra ft f rjtf`ljr, wj gfvj to trust tgjh to mj ao`ietg`ies r`egt Uj frj ft tgj hjrny od nohpfi`js wg`ng gfvj iot hjttgj fppropr`ftj @^O nymjr sjnur`ty stfiafras, fia bjjp tgft f sjnrjtdroh tgj`r nustohjrs

    Hy v`jw `s tgft noisuhjrs ijja to ajhfia droh tgj plfnjs wgjrjwj ao mus`ijss, tgft tgjy rjvjfl tgj`r @^O nymjr sjnur`ty stfiafras `if wfy tgft tgj @^O nymjr sjnur`ty fua`tors nfi nftng, fia prosjnutj,`ist`tut`ois wg`ng ao iot tjll tgj trutg fmout tg`s

    @ flso djjl tgft tgjrj frj otgjr typjs od @^O stfiafras wg`ng sgoulamj out tgjrj, fia sgfrja `i tgj sfhj wfy, so tgft fs wj ao mus`ijssw`tg d`ifin`fl fia otgjr `ist`tut`ois, wg`ng gfvj tgj nfpfm`l`ty odajdrfua`ie tgj puml`n, wj nfi sjj wgjtgjr or iot tgjy frj hjjt`ienjrtf`i d`aun`fry stfiafras

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    >> ^olut`oi @ajfs my Fl Hfn 7/5/=36> 66;34;>4 SH

    >> ^olut`ois `i Ift`oifl ^jnur`ty dolajr

    Sjrsoifl Jxpjr `jinj '> Fpr` l )

    Gjrj `s fi jxfhplj od flljeja jhmjzzljhjit jinouitjrja i hynfrjjr, to `llustrftj a`dd`nulty `i ajd`i`ie `t, `ajit`dy`ie `t

    Ft oij nohpfiy, wgji `hpljhjit`ie f ijw `ivjitory systjh, @ wfsgfv`ie f lot od troumlj w`tg fssjts dloft,:= wgjrj wj gfaaonuhjitft`oi dor trfisdjrs mjtwjji dfn`l`t`js, nustohjrs, vjiaors,fia ! h`ll`ois od aollfrs od trfisdjrs wjrj lfnb`ie hftng`ieaonuhjits Qgjrj wjrj sfljs od proaunts ft oij storj, wgjrj tgj`ivjitory wfs oi tgj moobs ft fiotgjr storj, fia io rjnora odtrfisdjr

    @ tola hfifejhjit tgft @ tgouegt jhmjzzljhjit wfs eo`ie oi, wgjrjtgj hot`vj h`egt mj tgj nohpjisft oi systjh Qgj nohpfiy wfs

    pfy`ie sfljs pjoplj mfsja oi rft`o mjtwjji sfljs fia `ivjitory

    Oij storj sjlls ! WWW,WWWWW f hoitg, fia supposjaly gfs !WW,WWW,WWWWW `ivjitory oi(gfia, so tgfts 6* `ivjitory turi(ovjr,so tgjy ejt f shfll nohh`ss`oi

    Fiotgjr storj sjlls ! WW,WWWWW f hoitg, fia supposjaly gfs !WWW,WWWWW `ivjitory, so tgjy frj sjll`ie 6/63 fs hunghjrngfia`sj, mut tgjy ejt 63 t`hjs tgj nohh`ss`oi, mjnfusj od tgj

    nohpfiys nrfzy rft`o nohh`ss`oi systjh

    @ tgouegt pjoplj wjrj hfi`pulft`ie `ivjitory totfls to jfri jxnjssnohh`ss`ois Pjfrs lftjr @ ljfrija wgft wfs eo`ie oi ^torjhfifejrs wjrj mfrtjr`ie proaunts, mfsja oi rje`oifl dfvor`tjs iotrjdljntja `i GV `ivjitory hfifejhjit H`aalj hfifejrs wjrjsjrv`ie tgj `itjrjsts od tgj norporft`oi, `i sjnrjt droh tophfifejhjit od tgj nohpfiy, wgoh tgjy nois`ajrja to mj`inohpjtjit

    :=

    @ d`rst jinouitjrja dloft w`tg ngjnb`ie fnnouit) Mfibs usja to tfbj f wg`lj to pronjss hoijyajpos`tja Iowfafys `t `s pjrgfps f nouplj afys, mut yjfrs feo `t noula mj f wjjb or horj, mjnfusj tgj

    pfpjr ngjnbs wjrj mj`ie sif`l hf`lja, rftgjr tgfi jljntroi`nflly nohhui`nftja Qgus wgji wj wrotj

    ngjnbs, fia tgjy eot ajpos`tja `i sohjoij mfib fnnouit, `t h`egt mj f wjjb or horj mjdorj tgft hoijy

    wfs fntuflly sumtrfntja droh our mfib fnnouit) ^o dloft wfs tgj ifhj dor hoijy iot yjt rjnoraja

    jvjrywgjrj, mut `i dfnt dloft`ie droh oij d`ifin`fl `ist`tut`oi to fiotgjr

    Uj nfi flso gfvj dloft `i tgj rjnora bjjp`ie od trfisfnt`ois mjtwjji nohpfi js Fi orajr `s sjit dor

    sohj hjrngfia`sj, mut h`egt iot mj `ito tgj moobs od f plfnj uit`l sjvjrfl afys fdtjr `t `s sjit, mjnfusj tgj

    pfpjrworb hust eo tgru sjvjrfl pjoplj ^ohjt`hjs tgj pfpjrworb `s rjnora`ie tgj hovjhjit od proaunts,

    wg`ng nfi tfbj sjvjrfl afys `i trfis`t

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    >1 ^olut`oi @ajfs my Fl Hfn 7/5/=36> 66;34;>4 SH

    >1 ^olut`ois `i Ift`oifl ^jnur`ty dolajr

    @ eot `i troumlj dor hy spjnulft`ois Hfifejhjit tola hj tgftfiyoij nfi hfbj f h`stfbj, fia tgft jhmjzzljhjit `s wgjisohjoij tfbjs nfsg hoijy tgjy frj iot jit`tlja to, fia dljjs to^outg Fhjr`nf

    F hoitg lftjr tgjy d`rja sohjoij dor ponbjt`ie tgousfias od aollfrsod pfyhjits droh nustohjrs, fia ajpos`t`ie `i pjrsoifl mfibfnnouit @ fsbja `d tgft wfs IOQ jhmjzzljhjit mjnfusj tgj lfayrjhf`ija `i tgj Z^F @ wfs tola tgft wfs IOQ jhmjzzljhjit, mutplf`i stjfl`ie

    ^o ajd`i`t`ois frj w`tg`i f nohpfiy hfifejhjit, fia odtji souianoidus`ie fia noitrfa`ntory

    Horj ngflljiejs '> Kuly)

    Qgjrj frj sjr`ous ngflljiejs `i ijja od sohjoij arjfh`ie upsolut`ois @ ao iot biow gow truj frj tgj dollow`ie flljeft`ois, or tgjr`sb od tgjh mj`ie usja to wroiedully noiv`nt pjoplj

    Dflsj AIF '> Ku ly )

    @ flso sfw sohjtg`ie s`h`lfr droh fi IN@^ jp`soaj, wgjrj tgj AIFod f moay pfrt, wfs iot tgft od tgj pjrsoi b`llja, mut tgj AIFfsson`ftja w`tg sohjoij wgo gfa aoiftja fi orefi to tgjsumsjqujit v`nt`h Qgj rft`oiflj e`vji wfs tgft fdtjr tgjtrfisplfit`ie, or f mlooa trfisdus`oi, tgj aoior AIF aojs iothfe`nflly a`sfppjfr, so wgji f sfhplj `s tfbji droh tgj rjn`p`jit,tgft sfhplj h`egt gfvj rjhifits od tgj aoior AIF Qg`s nfi ljfa todflsj `ajit`d`nft`oi od wgo eot b`llja

    @ fh iot f aontor @ ao iot biow gow loie AIF droh f mlooa or moaypfrt aoior `s `i tgj moay od tgj rjn`p`jit, fia @ aoit biow gow l`bjlytg`s `s to noitfh`iftj f mlooa sfhplj lftjr tfbji droh tgft pjrsoi

    @ gjfra tgj dollow`ie droh f Lfw $ Orajr jp`soaj @ ao iot iorhfllyfsson`ftj tgft sjr`js w`tg sn`jinj d`nt`oi

    F lfmorftory nfi tfbj mlooa droh pjrsoi(W, tgji rjhovj fll tgj wg`tjnjlls, wg`ng noitf`i AIF Iow tgft mlooa gfs io AIF Qgj AIF odpjrsoi(P nfi mj tfbji droh sfl`vf oi sohj `iionjit omkjnt, sung fs

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    >: ^olut`oi @ajfs my Fl Hfn 7/5/=36> 66;34;>4 SH

    >: ^olut`ois `i Ift`oifl ^jnur`ty dolajr

    f dooa noitf`ijr tgft tgjy rjnjitly usja Qgji pjrsoi(P AIF nfi mjfhpl`d`ja fia faaja to tgj mlooa, wg`ng iow gfs tgj AIF od pjrsoi(P Ziljss pjrsoi(Ps, or Ws, mlooa gfs sohjtg`ie ui`quj, iot `i tgjotgjr pjrsois mlooa, l`bj fit`moa`js od f a`sjfsj, or rjhifits odsohj arue tgjyvj mjji tfb`ie, wg`ng `s iot flso `i tgj sfl`vf,dorjis`ns woit biow tgft mlooa `s iot rjflly droh pjrsoi(P Qgjmlooa `s tgji put oi sohj omkjnt, l`bj f bi`dj, fia plfitja ft f nr`hjsnjij

    @ fh iot f aontor @ ao iot biow gow nrja`mlj tgj fmovj story

    Gow hfiy pjoplj gfvj mjji noiv`ntja us`ie oily jv`ajinj wg`ngnoula gfvj mjji tf`itja tg`s wfy? Qgj pjrpjtrftor aojs iot ijja tgjjxpjrt`sj to ao tg`s @t `s f tfsb wg`ng nfi mj ajljeftja to sohjoij

    wgo spjn`fl`zjs `i dfmr`nft`ie dflsj jv`ajinj Qg`s hfy iot yjt mj`lljefl

    Moe us D`iejrpr `it Jv`ajinj '> Kuly)

    D`iejrpr`it oaas ajpjia oi iuhmjr od po`its od nohpfr`soi usjaFs horj fia horj pjopljs d`iejrpr`its ejt `ito systjhs, fia sohjpol`nj lfms usj f low iuhmjr od po`its, wj rjflly nfi gfvj two orhorj pjoplj w`tg `ajit`nfl d`iejrpr`its

    Jxfhplj; F euy wfs frrjstja `i tgj Z^F mjnfusj g`s d`iejrpr`itshftngja tgosj tfbji droh mohm pfrts ft tgj Hfar`a ^pf`i ]f`lwfymohm`ie Gj wfs lftjr jxoijrftja mjnfusj g`s d`iejrpr`its a`a iothftng

    Pjs `t `s trujQgjy hftngja `s truj Sol`nj lfms noid`rhja tgjy hftngjaQgjy a`a iot hftng `s truj Sol`nj lfms noid`rhja tg`s

    Qgj a`ddjrjinj wfs tgj . od po`its od nohpfr`soi usja

    Ajnfajs feo, wgji oily f gfiadul od pjopljs d`iejrpr`its wjrjstorja my tgj futgor`t`js, hfymj oily f djw po`its od nohpfr`soiwjrj ijjaja, mut iow w`tg f hovj towfras try`ie to ejt jvjryoijspr`its, hfiy horj frj ijjaja, mut tgj ijw stfiafras gfvj iotrjfngja fll tgj pol`nj lfms pjrsoiijl yjt

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    >4 ^olut`oi @ajfs my Fl Hfn 7/5/=36> 66;34;>4 SH

    >4 ^olut`ois `i Ift`oifl ^jnur`ty dolajr

    Gow hfiy pjoplj gfvj mjji noiv`ntja, us`ie `isudd`n`jit po`its odnohpfr`soi?

    Dfb`ie Sgoij ]jnoras '> Kuly)

    @i d`ifl hohjits mjdorj Qrfyvoi Hfrt`i a`ja, gj wfs oi tgj pgoijw`tg f dr`jia, wgo gjfra f noivjrsft oi w`tg Ejorej [`hhjrhfi,wgo nlf`hs gj b`llja Hfrt`i `i sjld(ajdjisj, mut tgj `ido oi tgj pgoij`ia`nftjs Ejorej provobja tgj noidroitft`oi Ejorejs dftgjr `s frjt`rja hfe`strftj, wgo tola tgj ijws hja`f tgft tgj pgoij nfllrjnoras gfa mjji dfbja @d fiyoij biows tgft pgoij nfll rjnoras nfimj dfbja, `t `s sohjoij wgo worbs `i tgj kua`n`fl systjh, fia flsosohjoij `i tgj pgoij nohpfiy

    Qgj Z^ ^uprjhj Nourt gfs rulja oi f pjrsois r`egt to dfnj tgj`rfnnusjr, wg`ng `inluajs nross(jxfh`i`ie f pjrsoi wgo `itjrprjtsjv`ajinj Qgus, `t sgoula io loiejr mj fnnjptfmlj dor f pol`nj odd`njrto rjfa odd sohj rjnora od pgoij noivjrsft`ois, fs `d tgft rjnora `struj, w`tgout tgj ajdjisj gfv`ie fi opportui`ty to nross(jxfh`ijtjljpgoij nohpfiy jhployjjs, fs to tgj vjrfn`ty od tgosj rjnoras

    Gow odtji frj kur`js rjh`iaja tgft nohputjr rjnoras droh fiy`ist`tut`oi noula mj `inorrjnt, or dfmr`nftja?

    @d wj mjl`jvj t`hjs `i pgoij rjnoras frj vfl`a 'wg`ng Ejorejs dftgjra`sputjs), tgji nois`ajr tg`s;

    Oij od tgj 066 nflls `s droh f pjrsoi sfy`ie tgjrjs f d`egtouts`aj hy w`iaow aur`ie wg`ng MFIE wj nfi gjfr f euisgotovjr tgj 066 nfll Qgjrj sgoula mj f t`hj stfhp wgji tgftgfppjija

    E`rl dr`jia nfll gfs pgoij nohpfiy rjnora wgji `t stfrtja, fiawgji `t jiaja @d t`hj stfhp od `t jia`ie `s ft or fdtjr wj gjfrmfie oi 066 nfll, tgji e`rl dr`jia tjst`hoiy `s mfa dor Ejorej

    @d e`rl dr`jia nfll jias mjdorj tgj mfie, tgji Ejorej nfi e`vjtjst`hoiy iot a`sputja my wgft tgj e`rl dr`jia gjfra

    ]jv`s`oi Iotjs '> Fue 5)

    35 vjrs`oi faajao Qfnblj @a Qgjdt ft @]^ fia otgjr plfnjs2

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    >5 ^olut`oi @ajfs my Fl Hfn 7/5/=36> 66;34;>4 SH

    >5 ^olut`ois `i Ift`oifl ^jnur`ty dolajr

    o Mjttjr rjlft`ois mjtwjji pol`nj fia tgj a`sfmlja2o Jxtjia Nohhoi Nfrr`jr2o @hprovj @ido dor @ivjst`eft`ois2o @hprovj Qjng dor Kust`nj `ajfs2o Otgjr Ngflljiejs

    34 vjrs`oi faaja Jnoioh`n Jhmjzzljhjit jxplfift`oi, fiatgouegts oi wgft nfi mj aoij to tfnblj tgft ngflljiej

    3: vjrs`oi `isjrtja faa`t`oifl jxfhpljs od hy tg`ib`ie 31 vjrs`oi faaja horj l`ibs rjefra`ie `iaoor hfps 3> vjrs`oi faaja tgouegts fmout `iaoor hfps =36> Kfi 6>, @ iot`nja Eooelj Ar`vj worb`ie fef`i, so @ sgfrja

    lftjst 3= vjrs`oi wg`ng gfa faaja tgouegts oi h`t`eft`oi odmotngja pol`nj rf`as

    =36> Kfi 63; @ stfrtja tg`s, fia lfuingja `i`t`fl 36 vjrs`oisgfrj oi ^nr`ma, w`tg fi `ajf oi gow tgj Z^ Sost Odd`nj, wg`ngloosjs hfymj !60 m`ll`oi f yjfr, nfi prod`t horj my gjlp`ie tosolvj f promljh tgj @]^ gfs, wg`ng losjs !m`ll`ois '@ fh iotsurj gow hung) to nroobs wgo stolj h`ll`oi tfx pfyjr`ajit t`js `i =36=, w`tg tgj fiiufl nouit rfp`aly nl`hm`ie

    o @ mjl`jvj Sostfl d`ifin`fl promljhs frj lfrejly nfusja myNoierjss, fia Lommy`sts, mut fs tgj @itjrijt erows,trfa`t`oifl Sostfl sjrv`njs gfvj sgruib, so tgjy st`ll noulausj faa`t`oifl `inohj sjrv`njs

    Mlurm '> Kuij)

    Ajsnr`pt`oi od tg`s aonuhjit, wgjrj uplofa sgfr`ie hfbjs tgftprfnt`nfl, sung fs ^nr`ma;:>

    Uj gfvj fi jxpjntft`oi tgft our eovjrihjit mj nohpr`sja od pjopljwgo biow wgft tgjy frj ao`ie w`tg sjnur`ty, n`v`l l`mjrt`js, fiatjngioloey Zidortuiftjly, nohm`ija w`saoh `s odtji lfnb`ie, so t `sup to tgj pjoplj to d`eurj out gow to d`x tg`s, pjrgfps v`f rjljvfitproposfls, sung fs sohj a`snussja `i hy iotjs Uj gfvj snfiafl

    fdtjr snfiafl, a`sfstjr fdtjr a`sfstjr, wgjrj ljssois ljfrija aoitsjjh to ejt `hpljhjitja `i f t`hjly hfiijr Hy ^olut`oi @ajfs`inluaj gow rjhja`ft`oi h`egt mj prfnt`nfl to;

    Srjvjit fiotgjr jnoioh`n nr`s`s, fia ejt out od tgj nurrjit oij2 Srjvjit horj tjrror`st fttfnbs2

    :>gttp;//wwwsnr`manoh/aon/6607:5=70/^olut`oi(@ajfs

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    >7 ^olut`oi @ajfs my Fl Hfn 7/5/=36> 66;34;>4 SH

    Sut fi jia to `ajit`ty tgjdt, hflwfrj, pg`sg`ie, gfnb`ie, fiamrjfngjs2

    Or `d iot totflly jl`h`iftj tgj promljhs, a`h`i`sg tgj`r voluhj totgft od f h`ior fiioyfinj nohpfrja to tgj`r jp`ajh`n

    proport`ois toafy Ao tg`s w`tgout eo`ie to f pol`nj stftj

    6/= h`ll`oi tfx pfyjrs gfa `a tgjdt w`tg @]^ `i =36=, fia ft tgj rftj oderowtg @ fit`n`pftj 6 h`ll`oi ijw v`nt`hs dor =36> Qg`s `s f guejgfsslj @ gfvj sohj `ajfs oi gow to h`t`eftj tgj gfsslj, us`ie tgjZ^ Sost Odd`nj

    Qgj Z^ eui ajmftj, `i fdtjrhftg od^fiay Goob, fia otgjr hfsssgoot`ies, `s donusja oi Z^ eovjrihjit h`ss`oi nrjjp fia tgj

    mrobji hjitfl gjfltg systjh Gjrj @ proposj sohj rj(tg`ib`ie odgow d`rst rjspoiajrs nfi ao f horj prodjss`oifl kom, tgfi gfs mjjitgj rjnjit iorh