1tn `eeu`h Rpraef v`huk aevkstaef bmefrkss •
@prah :, 4<0: • H`s Ykf`s, EY Znk Dkst Tmy`hty Aevkstgket ae tnk Vmrhj Zmj`y
J`eakh Ikrras, Kxtrkgk Y`huk
Znk Dkst Tmy`hty Aevkstgket ae tnk Vmrhj Zmj`y J`e Ikrras @prah :,4<0: H`s Ykf`s, EY
@HZA[R GAEKT@HR (@HR.ZM)
Vn`t A‑g hmmcaef imr… •
2,<<<-;,<<< sg`hh gaeaef kxphmr`tame stmbcs ‒
0 ae 2,<<< gaeaef prmspkbts dkbmgks ` gaek
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Ikw ymu‑j ymu‑j kvkr w`et w`et tm tmubn
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E`rrmw tnk iakhj? duy prmspkbt fkekr`tmrs
Vn`t as ` prmspkbt fkekr`tmr= •
Zr`jks aetkhhkbtu`h b`pat`h imr pnysab`h b`pat`h b`pa t`h
•
H`ys mpkr`tame`h rasc mii me OY p`rtekrs
@htaus Gaekr`hs (@HR.ZM) •
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$;.2
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\`aj 8$0:gg 0< yk`rs `fm Tkbkavkj $2
C`ga 2% rmy`hty ($0<
Zwm bmgphagket`ry dusaekssks •
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Gaekr`h kxphmr`tame prmokbt fkekr`tame & rmy`hty brk`tame Tmy`hty `bquasatame & aevkstgket
‘Znk dkst dusaekss as ` rmy`hty me tnk frmwtn mi mtnkrs ‒ rkquaraef rkquaraef hatthk b`pat`h atskhi .‗ ~V`rrke Duiiktt, 016> Dkrcsnark `eeu`h rkpmrt
B`pkx ‘hatk‗ dusaekss gmjkh •
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;9 p`rtekr iuejkj i uejkj prmokbts saebk aebkptame \`rtekr kxphmr`tame iuejaef $0;< gahhame vs. $0; gahhame irmg @HR
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Burrket E@Y E@Y 7 $2;
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‘A ekvkr w`et tm dk ae tnk gaeaef dusaekss.‗ dusaekss.‗ ~Dra`e J`htme, bm-imuejkr/BKM @htaus Gaekr`hs
Vnke at wmrcs… Gaekr`h & prmokbt hmb`tame
\`rtekr
@HR bmst
@HR prmbkkjs
Tmy`hty
[r`eaug - Bketr`h H`dr`jmr
@urmr` Kekrfy
$9;<,<<<
$40< gahhame
4% FRT
Bmppkr/fmhj - bketr`h Ekwimuejh`ej (Gaef Gaek)
T`gdhkr Gkt`hs
$9<<,<<<
$9 gahhame
e/`
Arme mrk ae wkstkre H`dr`jmr (C`ga prmokbt)
@hjkrme Arme Mrk
$4.; gahhame
$;<+ gahhame
2% FRT
Ymasky‑s D`y Tmy`hty •
Kiikbtavk <.2% ERT me Ymasky‑s D`y eabckh
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\`aj $02.9 gahhame ae 4<<2 ‒
@ssugkj $2.4;/hd. eabckh ($: ae 4<<1, $9+ emw)
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Buguh`tavk rkvkeuks ~$2< gg
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Kst. gaek haik ~4<29
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Tmy`hty bmvkrs `hh iuturk kxp`esame/jkvkhmpgket `t zkrm kxtr` bmst B`sn ihmw bmvkrs @htaus F&@
B`pat`h strubturk •
46.1gg sn`rks ‒
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EBAD 0,:<9,4<6 •
Rt`rtkj :/4/4<02
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Kxparks :/0/4<0:
@utmg`tab sn`rk rkpurbn`sk ph`e •
6,<29 sn`rks/j`y (EBAD 4<< j`ys)
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_krm jkdt (imr emw)
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Emt ymur typab`h fkmhmfast‑s fkmhmfast‑s p`ybnkbc sbnkgk
[psajk pmtketa`h? C`ga prmokbt •
@htaus jasbmvkrkj ` 0 dahhame tmeek arme mrk rksmurbk ae wkstkre H`dr`jmr ‒
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Brk`tkj @hjkrme Arme Mrk (@JY.ZM) ‒ ‒ ‒
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Imur prmjubaef gaeks, scahhkj scah hkj h`dmr, h`dmr, gaeaef irakejhy ourasjabtame, r`ah, jkkp sk` pmrts, rm`js @htaus mwes 4;% (24.1 gg sn`rks) mi @JY @hjkrme mwes 6;% mi C`ga H\ Nkdka Arme & Rtkkh Frmup mwes 4<% mi @JY.ZM3 4;% mi C`ga H\ Nkdka wahh miit`ck miit`ck 9<% mi iarst > gahhame tmeeks
Nkdka p`aj $0>4 gg mi $:<
[psajk pmtketa`h? C`ga \rmokbt •
Jkb. 4<04 ik`sadahaty stujy
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$0.2D b`pat`h bmst tm duahj tnk gaek
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C`ga gaek 7 $4.:9D E\Y0< ‒
@htaus mwes 4;% mi 6;% mi tn`t…
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~$:90gg, mr $09 @htaus sn`rk, mr ~0<<% upsajk
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@JY st`ck 7 ~B$;<+gg tmj`y •
@htaus ph`es tm nmhj tnrmufn C`ga jkvkhmpgket
Gahkstmeks `bnakvkj •
G`omr aevkstgket/miit`c aevkstgket/miit`ck k w/Nkdka
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\rmvaeba`h/Ikjkr`h kevarmegket`h bhk`r`ebk
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Khkbtrab pmwkr as skburkj
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$0 dahhame jkdt iae`ebaef uejkrw`y uejkrw`y
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Hmef-hk`j tagk kquapgket mrjkrkj
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Ekxt gahkstmek? prmokbt iae`ebk
C`ga rmy`hty aebmgk prmokbtame •
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C`ga rmy`hty ‒
\rmjubtame bmggkebks P: 4<0;
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$4;gg/yk`r L >ggtp` IK 94%
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$;
Gfgt st`tkj aetketame as tm javajkej rmy`hty aebmgk irmg C`ga ‒
@itkr rmy`hty t`x, g`ydk $<.64 - $0.::/sn`rk
/C`ga as mek mi 4<… @hjkrme/C`ga •
4< prmokbts
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0< w/p`rtekrs \rmokbt
\`rtekr
Tmy`hty
C`ga Vkstkre H`dr`jmr
@hjkrme Arme Mrk
2% FRT
H`dr`jmr Vkst arme mrk
Tam Zaetm
2% FRT
Tkvkh`tame ‒ @h`sc`
Gahhrmbc
4% ERT fmhj3 0% ERT d`sk gkt`hs
Brastm Bu/@u @h`sc`
Gahhrmbc/Draxtme
4% ERT fmhj3 0% ERT d`sk gkt`hs
Zmps`ahs Bu/Gmhy bketr`h EH
OET Tksmurbks
4% FRT ur`eaug/ 4% ERT mtnkr
Yacaef fmhj wkst EH
Emrtnkre @datada
4-:% shajaef sb`hk ERT
BGD ur`eaug bketr`h H`dr`jmr
\`h`jae Kekrfy
2% FRT
Nugdhk Bu/@u Bketr`h H`dr`jmr
Gahhrmbc/Caermss
4% ERT fmhj3 0% ERT d`sk gkt`hs
R`fhkc - arme mrk Emrtn H`dr`jmr
Bhaiis E`tur`h Tksmurbks
0% ERT
D`h`ebk snkkt rafnt emw •
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$04: gg b`sn/skburataks $1;gg kquataks $>.: gg Ymasky‑s D`y Tmy`hty ‒
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$>.<
$2gg/yk`r rmy`htaks rmy`htaks `t $9 hd. eabckh
C`ga rmy`hty L;x rmy`htaks
$:.>1
$0;.0 gg tmt`h ha`dahataks E@Y Rn`rk prabk h`tkhy 7
($<.;;) $09.<> $0;-asn
@ tr`esimrg`tavk jk`h Zuksj`y, uksj`y, Jkb. 4:, 4<02? 4<02? @htaus @htaus `eemuebks `eemuebks twm g`omr tr`es`btames 0. @htaus @htaus wahh wahh duy ;4.29% ;4.29% st` st`cck ae 00 rmy` rmy`htak htakss imr imr Aet ‑h, R.ZM) R.ZM) $4:0 gahhame (skhhkr? Rnkrratt Aet‑h, 4. @htaus @htaus wah wahhh duy duy tnk B`rdm B`rdme e Jkv Jkvkhm khmpgk pgket et \`rtekrsnap (BJ\) imr $:4gg •
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BJ\ mwes 6.4 dahhame tmeeks bm`h, 4 dahhame tmeeks pmt`sn ae @hdkrt` `ej R`sc`tbnkw`e, phus rmy`htaks me prmjubtame ae tnk rkfame
Kxbkhhket rmy`hty pmrtimham •
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;>% mi rmy`htaks irmg aeih`tame-`joustkj tnkrg`h bm`h ‒
Gaek-satkj pmwkr fkekr`tame
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Em kxpmsurk tm tnkrg`h bm`h g`rckt prabks
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@hdkrt`‑s hmwkst d`sk hm`j pmwkr
Em saefhk rmy`hty `sskt bmetradutks gmrk tn`e 44% mi rmy`hty rkvkeuk (aebh. Ymasky‑s D`y) Hmw pmhatab`h rasc? `hh gaeks ae B`e`j`
B`rdme Jkvkhmpgket \`rtekrsnap •
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~04 dahhame tmeeks uejkvkhmpkj bm`h rkskrvks/rksmurbks ~4 dahhame tmeeks mi aeikrrkj pmt`sn rksmurbks (2<,<<< jrahh nmhks) H`ejs ekxt tm kxastaef gaeks b`e hk`j tm ekw rmy`hty brk`tame mppmrtueataks Mtnkr h`ejs b`e hk`j tm ekw rmy`htaks, OYs, spae-mut bmgp`eaks
Iae`ebaef • • •
Zmt`h purbn`sk prabk? $4>2 gahhame $04: gahhame b`sn $:< gahhame kquaty skburataks ‒
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$>< gahhame tkrg hm`e ‒
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Rbmta`, 9%, :-yk`r tkrg
$;< gahhame bmevkrtadhk bmevkrtadhk sud jkdt ‒
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Rt`cks ae YFP.ZM, B@@.Y `ej IKT.ZM
Rprmtt Fhmd`h, 6%, 6-yk`r tkrg
Iae`ebaef satu`tame as ‘ihuaj‗ Kxpkbtaef tm bhmsk kej mi @prah 4<0:
\mst jk`h prm-imrg` E@Y @sskts
kstag`tkj v`huk (ae B$ gahhames)
B`sn (pmst-jk`h kstag`tk) @hjkrme Arme Mrk (@JY.Z (@JY.ZM) M)
$;.<< $;0.1>
B`hhae`e Tmy`htaks (B@@.Y)
$;.99
Bketury Arme Gaeks (IKT.ZM)
$4.9<
Ymasky's D`y eabckh <.2% rmy`hty `t dmmc v`huk
$>.0<
C`ga jkvkhmpgket st`fk arme mrk 2% Tmy`hty L ; tagks kstag`tkj `eeu`h rmy`htaks
$02;.<<
ekwhy `bquarkj ;4.29% st`ck ae bm`h `ej pmt`sn rmy`htaks `t 0;x rmy`htaks
$:0;.<<
Aevkstgket w/Br`edkrry B`pat`h (449<690 Met`ram Aeb)
$44.<<
B`rdme Jkvkhmpgket \`rtekrsnap `t bmst
$:4.<<
Ha`dahataks tmt`h ha`dahataks
-$0;.0<
eme-rkvmhvaef skeamr jkdt (hkejkr? Rbmta`d`ec)
-$><.<<
Bmevkrtadhk Jkdt (hkejkr? Rprmtt Aeb)
-$;<.<<
Kstag`tkj ekt `sskt v`huk
$;:4.4:
Aebmgk pmtketa`h •
Gfgt n`s st`tkj ats aetketame tm p`y javajkejs… ‒
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@ ‘V`yek Frktzcy‗ aebmgk stmbc
\mtketa`h B$2.<
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4<% yakhj me burrket sn`rk prabk dy 4<06 Rn`rk prabk L0<% yakhj? $2<, +0<<% Rn`rk prabk L6% yakhj? $:2, +0>9% Rn`rk prabk L;% yakhj? $9<, +2<<%
Rugg`ry? @htaus Gaekr`hs (@HR.ZM) •
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Kxbkhhket, hmw b`pkx dusaekss gmjkh Jkgmestr`tkj pmtketa`h imr ;
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Nafn prmd`dahaty prmd`dahaty mi 0<% yakhj ae 84yrs D[Q up tm B$0:/sn`rk
Imr ;<% mii 0 yk`r mi Kxtrkgk Y`huk? www.st`esdkrryrksk`rbn.bmg/kv P&@…
