Candace Baker
The average cost of car insurance is $671 per year for drivers with minimum coverage and a clean record, according to WalletHub’s research. Individual rates may vary based on factors such as driving record, age, car type, and credit history.
kAmpG6C286 r2C x?DFC2?46 r@DE 3J r2E68@CJk^Am
kF=mk=:mkDEC@?8m|:?:>F> r@G6C286ik^DEC@?8m Sde A6C >@?E9k^=:mk=:mkDEC@?8muF== r@G6C286ik^DEC@?8m S`fe A6C >@?E9k^=:mk=:mkDEC@?8msC:G6CD H:E9 2 ':@=2E:@?ik^DEC@?8m Sf` A6C >@?E9k^=:mk=:mkDEC@?8m*@F?8 sC:G6CDik^DEC@?8m S`cd A6C >@?E9k^=:mk=:mkDEC@?8m$6?:@C sC:G6CDik^DEC@?8m Sdd A6C >@?E9k^=:mk^F=m
kAm%96 4@DE @7 E96 2G6C286 42C :?DFC2?46 A@=:4J 42? 36 2 8@@5 :?5:42E:@? @7 9@H >F49 2 5C:G6C D9@F=5 6IA64E E@ A2J 7@C 4@G6C286] (6 4@?D:56C 2 J@F?8 5C:G6C E@ 36 `e\ac J62CD @=5[ 2?5 H6 2G6C2865 E96 C2E6D 7@C dd\ 2?5 ed\J62C\@=5D 7@C E96 D6?:@C 5C:G6C AC@7:=6]k^Am
People are also reading…
- Friday Five: Raising Cane's and Sheetz coming to Concord
- Kannapolis looks at core services in budget planning meetings
- Commissioners Notebook: Fair contracts and an overview of human services agency
- Atrium, Novant pursue hospital beds in Cabarrus, Lincoln counties
- Pancake Day is set for Thursday at the Boys & Girls Club
- Cabarrus celebrates 25 years of healthy living at wellness expo
- 'Wizard of Oz' returns to Catawba College Theatre
- Friday Five New flights, new homes, pancakes and art
- The Chamber presents awards, recalls 2025 accomplishments
- 'Shrek the Musical Jr.' comes to OCT Next Gen program
- NC House committee supportive of bill to cap local property tax levies
- CHURCH EVENTS: McGill barbecue to feature Jim Avett
- Motown group, Duke of Hazards star highlight Swanee schedule
- Rowan-Cabarrus hosts leaders celebrating No. 1 workforce ranking
- Kannapolis Farmers Market seeking vendors for summer 2026
kAm,42C0:?DFC2?460H:586E.k^Am
k@= 4=2DDlQE23=6\@7\4@?E6?EDQmk=:mk2 9C67lQRA\fQmpG6C286 r@DE 3J r@>A2?Jk^2mk^=:mk=:mk2 9C67lQRA\`QmpG6C286 r@DE 3J $E2E6k^2mk^=:mk=:mk2 9C67lQRA\aQmpG6C286 r@DE 3J ':@=2E:@?k^2mk^=:mk=:mk2 9C67lQRA\bQmpG6C286 r@DE 3J p86k^2mk^=:mk=:mk2 9C67lQRA\``QmpG6C286 r@DE 3J v6?56Ck^2mk^=:mk=:mk2 9C67lQRA\cQmpG6C286 r@DE 3J r2C %JA6k^2mk^=:mk=:mk2 9C67lQRA\hQmpG6C286 r@DE 3J '69:4=6k^2mk^=:mk=:mk2 9C67lQRA\eQmpG6C286 r@DE 3J r2E68@CJk^2mk^=:mk=:mk2 9C67lQRA\dQmpG6C286 r@DE 3J rC65:E $4@C6k^2mk^=:mk=:mk2 9C67lQRA\`_QmpG6C286 r@DE @7 r2C x?DFC2?46 3J *62Ck^2mk^=:mk=:mk2 9C67lQRA\gQmw@H E@ u:?5 r962A r2C x?DFC2?46k^2mk^=:mk=:mk2 9C67lQRB2?52Qmup"k^2mk^=:mk^@=m
kAmk2 ?2>6lQA\fQ :5lQA\fQmk^2mk^Am
kAmpG6C286 r2C x?DFC2?46 r@DE 3J r@>A2?Jk^Am
kAmt249 :?DFC2?46 4@>A2?J 92D :ED @H? 2=8@C:E9> 7@C 42=4F=2E:?8 AC6>:F>D[ D@ E96 D2>6 5C:G6C 4@F=5 36 BF@E65 5:776C6?E AC6>:F>D 3J 5:776C6?E :?DFC6CD] pD 2 C6DF=E[ 5C:G6CD D9@F=5 2=H2JD k2 9C67lQ9EEADi^^H2==6E9F3]4@>^65F^4:^4@>A2C6\42C\:?DFC2?46^hbe``Qm4@>A2C6 BF@E6Dk^2m 7C@> 2E =62DE E9C66 5:776C6?E :?DFC6CD 367@C6 AFC492D:?8 2 A@=:4J]k^Am
kE23=6mkE9625mkECmkE9mkDEC@?8mr@>A2?Jk^DEC@?8mk^E9mkE9mkDEC@?8m|:?:>F> r@G6C286k^DEC@?8mk^E9mkE9mkDEC@?8muF== r@G6C286k^DEC@?8mk^E9mk^ECmk^E9625mkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^AC@7:=6^4:^86:4@\`b_`ccfc:Qmv6:4@k^2mk^E5mkE5mkDA2?mkDA2?mScea A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mS`[hdd A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^AC@7:=6^4:^FD22\:?DFC2?46\`bb_bgcf:Qm&$ppk^2mk^E5mkE5mkDA2?mkDA2?mScgf A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mS`[gah A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^AC@7:=6^4:^222\:?DFC2?46\`b_`ac_f:Qmpppk^2mk^E5mkE5mkDA2?mkDA2?mSdah A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSa[g`e A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^AC@7:=6^4:^AC@8C6DD:G6\:?DFC2?46\`b_`dg`c:Qm!C@8C6DD:G6k^2mk^E5mkE5mkDA2?mkDA2?mSdch A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSa[af` A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^AC@7:=6^4:^EC2G6=6CD\:?DFC2?46\`bb_bfde:Qm%C2G6=6CDk^2mk^E5mkE5mkDA2?mkDA2?mSebh A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSa[dbe A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^AC@7:=6^4:^DE2E672C>\`b_`fabf:Qm$E2E6 u2C>k^2mk^E5mkE5mkDA2?mkDA2?mSf`g A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSa[eaf A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^AC@7:=6^4:^2==DE2E6\`b_`adge:Qmp==DE2E6k^2mk^E5mkE5mkDA2?mkDA2?mSfg` A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSa[cbg A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^AC@7:=6^4:^?2E:@?H:56\`bb_bfdh:Qm}2E:@?H:56k^2mk^E5mkE5mkDA2?mkDA2?mSgh_ A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSb[_ce A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^AC@7:=6^4:^72C>6CD\:?DFC2?46\`b_`de`h:Qmu2C>6CDk^2mk^E5mkE5mkDA2?mkDA2?mS`[_cc A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSb[ahd A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^AC@7:=6^4:^=:36CEJ\>FEF2=\`b_`daf`:Qm{:36CEJ |FEF2=k^2mk^E5mkE5mkDA2?mkDA2?mS`[_h_ A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSb[c`h A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmk^E23=6m
kAmk2 ?2>6lQA\`Q :5lQA\`Qmk^2mk^Am
kAmpG6C286 r2C x?DFC2?46 r@DE 3J $E2E6k^Am
kE23=6mkE9625mkECmkE9mkDEC@?8m$E2E6k^DEC@?8mk^E9mkE9mkDEC@?8m|:?:>F> r@G6C286k^DEC@?8mk^E9mkE9mkDEC@?8muF== r@G6C286k^DEC@?8mk^E9mk^ECmk^E9625mkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\2=232>2\`____gg\a`c_f_bace^Qmp=232>2k^2mk^E5mkE5mkDA2?mkDA2?mSdff A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSa[_ah A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\2=2D<2\`____gg\a`c_f_bach^Qmp=2D<2k^2mk^E5mkE5mkDA2?mkDA2?mScf_ A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mS`[efh A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\2C:K@?2\`____gg\a`c_f_bad_^QmpC:K@?2k^2mk^E5mkE5mkDA2?mkDA2?mSfa_ A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSa[``` A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\2C<2?D2D\`____gg\a`c_f_bada^QmpC<2?D2Dk^2mk^E5mkE5mkDA2?mkDA2?mSdh` A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSa[cd_ A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\42=:7@C?:2\`____gg\a`c_f_badb^Qmr2=:7@C?:2k^2mk^E5mkE5mkDA2?mkDA2?mSf`f A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSa[def A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\4@=@C25@\`____gg\a`c_f_badc^Qmr@=@C25@k^2mk^E5mkE5mkDA2?mkDA2?mSe_e A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSa[ccd A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\4@??64E:4FE\`____gg\a`c_f_badg^Qmr@??64E:4FEk^2mk^E5mkE5mkDA2?mkDA2?mS`[_ge A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSa[cdb A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\56=2H2C6\`____gg\a`c_f_badh^Qms6=2H2C6k^2mk^E5mkE5mkDA2?mkDA2?mShaf A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSa[bhe A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\7=@C:52\`____gg\a`c_f_bae_^Qmu=@C:52k^2mk^E5mkE5mkDA2?mkDA2?mS`[aca A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSb[c_e A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\86@C8:2\`____gg\a`c_f_baeb^Qmv6@C8:2k^2mk^E5mkE5mkDA2?mkDA2?mSgff A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSa[agf A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\92H2::\`____gg\a`c_f_baed^Qmw2H2::k^2mk^E5mkE5mkDA2?mkDA2?mScba A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mS`[cbc A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\:529@\`____gg\a`c_f_baee^Qmx529@k^2mk^E5mkE5mkDA2?mkDA2?mSbfc A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mS`[aea A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\:==:?@:D\`____gg\a`c_f_baef^Qmx==:?@:Dk^2mk^E5mkE5mkDA2?mkDA2?mSdha A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mS`[g_` A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\:?5:2?2\`____gg\a`c_f_baf_^Qmx?5:2?2k^2mk^E5mkE5mkDA2?mkDA2?mScaa A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mS`[cba A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\:@H2\`____gg\a`c_f_bafa^Qmx@H2k^2mk^E5mkE5mkDA2?mkDA2?mSahc A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mS`[c_h A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\<2?D2D\`____gg\a`c_f_bafb^Qmz2?D2Dk^2mk^E5mkE5mkDA2?mkDA2?mSded A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSa[`_h A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\<6?EF4<J\`____gg\a`c_f_bafc^Qmz6?EF4<Jk^2mk^E5mkE5mkDA2?mkDA2?mSgaf A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSa[cha A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\=@F:D:2?2\a`c_f_bafd^Qm{@F:D:2?2k^2mk^E5mkE5mkDA2?mkDA2?mS`[`fd A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSb[gac A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\>2:?6\`____gg\a`c_f_bafe^Qm|2:?6k^2mk^E5mkE5mkDA2?mkDA2?mScaf A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mS`[ad` A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\>2CJ=2?5\`____gg\a`c_f_bafg^Qm|2CJ=2?5k^2mk^E5mkE5mkDA2?mkDA2?mS`[_bg A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSa[dbb A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\>2DD249FD6EED\`____gg\a`c_f_bafh^Qm|2DD249FD6EEDk^2mk^E5mkE5mkDA2?mkDA2?mSecf A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSa[``c A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\>:49:82?\a`c_f_bag_^Qm|:49:82?k^2mk^E5mkE5mkDA2?mkDA2?mS`[b__ A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSb[bhf A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\>:??6D@E2\`____gg\a`c_f_baga^Qm|:??6D@E2k^2mk^E5mkE5mkDA2?mkDA2?mSehg A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mS`[hag A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\>:DD:DD:AA:\`____gg\a`c_f_bagb^Qm|:DD:DD:AA:k^2mk^E5mkE5mkDA2?mkDA2?mSd_g A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mS`[ha_ A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\>:DD@FC:\`____gg\a`c_f_bagc^Qm|:DD@FC:k^2mk^E5mkE5mkDA2?mkDA2?mSed` A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSa[`_d A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\>@?E2?2\`____gg\a`c_f_bagd^Qm|@?E2?2k^2mk^E5mkE5mkDA2?mkDA2?mScab A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSa[_fh A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\?63C2D<2\`____gg\a`c_f_bage^Qm}63C2D<2k^2mk^E5mkE5mkDA2?mkDA2?mScbf A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mS`[hb_ A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\?6G252\a`c_f_bagf^Qm}6G252k^2mk^E5mkE5mkDA2?mkDA2?mSgfc A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSa[bed A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\?6H\92>AD9:C6\`____gg\a`c_f_bagg^Qm}6H w2>AD9:C6k^2mk^E5mkE5mkDA2?mkDA2?mSd_b A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mS`[d`_ A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\?6H\;6CD6J\`____gg\a`c_f_bagh^Qm}6H y6CD6Jk^2mk^E5mkE5mkDA2?mkDA2?mS`[agb A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSa[hbe A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\?6H\>6I:4@\`____gg\a`c_f_bah_^Qm}6H |6I:4@k^2mk^E5mkE5mkDA2?mkDA2?mSchf A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mS`[hdh A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\?6H\J@C<\`____gg\a`c_f_bah`^Qm}6H *@C<k^2mk^E5mkE5mkDA2?mkDA2?mS`[f`h A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSc[dbd A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\?@CE9\42C@=:?2\`____gg\a`c_f_bbcc^Qm}@CE9 r2C@=:?2k^2mk^E5mkE5mkDA2?mkDA2?mSd`` A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mS`[cdc A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\?@CE9\52<@E2\`____gg\a`c_f_bb_c^Qm}@CE9 s2<@E2k^2mk^E5mkE5mkDA2?mkDA2?mSbgc A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mS`[eab A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\@9:@\`____gg\a`c_f_bb_d^Qm~9:@k^2mk^E5mkE5mkDA2?mkDA2?mSbhb A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mS`[b_g A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\@<=29@>2\`____gg\a`c_f_bb_e^Qm~<=29@>2k^2mk^E5mkE5mkDA2?mkDA2?mSd`` A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSa[`dd A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\@C68@?\`____gg\a`c_f_bb_h^Qm~C68@?k^2mk^E5mkE5mkDA2?mkDA2?mSg_f A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mS`[fdd A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\A6??DJ=G2?:2\`____gg\a`c_f_bb`b^Qm!6??DJ=G2?:2k^2mk^E5mkE5mkDA2?mkDA2?mSe`` A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSa[ba` A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\C9@56\:D=2?5\`____gg\a`c_f_bb`c^Qm#9@56 xD=2?5k^2mk^E5mkE5mkDA2?mkDA2?mShce A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSa[cfh A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\D@FE9\42C@=:?2\`____gg\a`c_f_bb`d^Qm$@FE9 r2C@=:?2k^2mk^E5mkE5mkDA2?mkDA2?mSg_a A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSa[bbh A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\D@FE9\52<@E2\`____gg\a`c_f_bb`e^Qm$@FE9 s2<@E2k^2mk^E5mkE5mkDA2?mkDA2?mSb_c A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mS`[gaa A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\E6??6DD66\`____gg\a`c_f_bb`h^Qm%6??6DD66k^2mk^E5mkE5mkDA2?mkDA2?mScef A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mS`[fbe A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\E6I2D\`____gg\a`c_f_bbac^Qm%6I2Dk^2mk^E5mkE5mkDA2?mkDA2?mSffb A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSa[dff A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\FE29\`____gg\a`c_f_bbad^Qm&E29k^2mk^E5mkE5mkDA2?mkDA2?mSfed A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSa[``c A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\G6C>@?E\`____gg\a`c_f_bbaf^Qm'6C>@?Ek^2mk^E5mkE5mkDA2?mkDA2?mSb`g A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mS`[a`a A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\G:C8:?:2\`____gg\a`c_f_bbah^Qm':C8:?:2k^2mk^E5mkE5mkDA2?mkDA2?mSd_[___k^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mS`[edb A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\H2D9:?8E@?\`____gg\a`c_f_bbbf^Qm(2D9:?8E@?k^2mk^E5mkE5mkDA2?mkDA2?mSehh A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSa[a`d A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\H6DE\G:C8:?:2\`____gg\a`c_f_bbbg^Qm(6DE ':C8:?:2k^2mk^E5mkE5mkDA2?mkDA2?mSdab A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mS`[fgf A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\H:D4@?D:?\`____gg\a`c_f_bbbh^Qm(:D4@?D:?k^2mk^E5mkE5mkDA2?mkDA2?mSc`a A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mS`[cdf A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\HJ@>:?8\`____gg\a`c_f_bbc`^Qm(J@>:?8k^2mk^E5mkE5mkDA2?mkDA2?mSah` A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mS`[f`e A6C J62Ck^DA2?mk^DA2?mk^E5mk^ECmk^E23=6m
kAm}@E6i !C6>:F>D 2C6 C6AC6D6?E2E:G6 @?=Jj :?5:G:5F2= AC6>:F>D H:== 36 5:776C6?Ek^Am
kAmr962A6DE DE2E6D 7@C 7F==\4@G6C286 42C :?DFC2?46k^Am
kF=mk=:mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\G6C>@?E\a`c_f_bbaf^Qm'6C>@?Ek^2mk^=:mk=:mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\>2:?6\a`c_f_bafe^Qm|2:?6k^2mk^=:mk=:mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\:529@\a`c_f_baee^Qmx529@k^2mk^=:mk^F=m
kAm|@DE 6IA6?D:G6 DE2E6D 7@C 7F==\4@G6C286 42C :?DFC2?46k^Am
kF=mk=:mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\?6H\J@C<\a`c_f_bah`^Qm}6H *@C<k^2mk^=:mk=:mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\=@F:D:2?2\a`c_f_bafd^Qm{@F:D:2?2k^2mk^=:mk=:mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\7=@C:52\a`c_f_bae_^Qmu=@C:52k^2mk^=:mk^F=m
kAm{62C? >@C6 23@FE k2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\42C\:?DFC2?46\4@DE\A6C\>@?E9\3J\286\2?5\DE2E6\a`c_fg_fef^Qm2G6C286 42C :?DFC2?46 4@DED 3J 286 2?5 DE2E6k^2m] k2 ?2>6lQA\aQ :5lQA\aQmk^2mk^Am
kAmpG6C286 r2C x?DFC2?46 r@DE 3J ':@=2E:@?k^Am
kAmsC:G6CD 2=>@DE 2=H2JD A2J >@C6 7@C 2FE@ :?DFC2?46 27E6C 2 >@G:?8 G:@=2E:@?] %96 6I24E 2>@F?E E92E J@FC C2E6D H:== 8@ FA 56A6?5D >@DE=J @? J@FC DE2E6 2?5 E96 DA64:7:4 :?7C24E:@?[ 3FE :? D@>6 DE2E6D J@FC AC6>:F> 42? C:D6 E@ >@C6 E92? 5@F3=6 E96 C2E6 E92E 2 D276 5C:G6C H@F=5 A2J]k^Am
kAm*@F 42? k2 9C67lQ^65F^4:^5C:G:?8\C64@C5\4964<^`addbQm4964< J@FC 5C:G:?8 C64@C5k^2m E@ D66 9@H >2?J :?7C24E:@?D 2?5 A@:?ED J@F 92G6 @? J@FC =:46?D6[ 2?5 :7 J@F AC24E:46 8@@5 923:ED 369:?5 E96 H966=[ J@FC C2E6D H:== 6G6?EF2==J 8@ 324< 5@H?] xE FDF2==J E2<6D k2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^9@H\72C\324<\5@6D\:?DFC2?46\4964<\J@FC\5C:G:?8\C64@C5\a`c_egdeg_^Qmb\d J62CDk^2m E@ :>AC@G6 J@FC 5C:G:?8 C64@C5 7@C :?DFC2?46 AFCA@D6D 27E6C 2 >@G:?8 G:@=2E:@?]k^Am
kE23=6mkE9625mkECmkE9mkDEC@?8m':@=2E:@?k^DEC@?8mk^E9mkE9mkDEC@?8m!C6>:F> x?4C62D6 p7E6C x?7C24E:@?k^DEC@?8mk^E9mkE9mkDEC@?8mpG6C286 !C6>:F>k^DEC@?8mk^E9mk^ECmk^E9625mkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^9@H\>F49\5@6D\42C\:?DFC2?46\8@\FA\27E6C\2\C65\=:89E\E:4<6E\a`c_fecgfd^Qm#65 {:89E x?7C24E:@?k^2mk^E5mkE5mabTk^E5mkE5mkDA2?mkDA2?mSeh A6C >@?E9k^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^9@H\>F49\5@6D\42C\:?DFC2?46\8@\FA\27E6C\2\DA665:?8\E:4<6E\a`c_fecgea^Qm$A665:?8 %:4<6Ek^2mk^E5mkE5mafTk^E5mkE5mkDA2?mkDA2?mSf` A6C >@?E9k^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^9@H\>F49\5@6D\42C\:?DFC2?46\8@\FA\27E6C\2?\@A6?\4@?E2:?6C\G:@=2E:@?\a`c_fecgfc^Qm~A6? r@?E2:?6C x?7C24E:@?k^2mk^E5mkE5mcgTk^E5mkE5mkDA2?mkDA2?mSgb A6C >@?E9k^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^9@H\>F49\5@6D\42C\:?DFC2?46\8@\FA\27E6C\2?\2E\72F=E\244:56?E\a`c_fecgf`^QmpE\u2F=E p44:56?Ek^2mk^E5mkE5md_Tk^E5mkE5mkDA2?mkDA2?mSgc A6C >@?E9k^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^9@H\>F49\5@6D\42C\:?DFC2?46\8@\FA\27E6C\2\C64<=6DD\5C:G:?8\4@?G:4E:@?\a`c_fecged^Qm#64<=6DD sC:G:?8 x?7C24E:@?k^2mk^E5mkE5mhgTk^E5mkE5mkDA2?mkDA2?mS``` A6C >@?E9k^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^9@H\>F49\5@6D\42C\:?DFC2?46\8@\FA\27E6C\2\=:46?D6\DFDA6?D:@?\a`c_fecgfg^Qm$FDA6?565 sC:G6C’D {:46?D6 x?7C24E:@?k^2mk^E5mkE5m`_cTk^E5mkE5mkDA2?mkDA2?mS``c A6C >@?E9k^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^9@H\>F49\5@6D\42C\:?DFC2?46\8@\FA\27E6C\2\5F:\a`c_fecggb^Qms&xk^2mk^E5mkE5m`_fTk^E5mkE5mkDA2?mkDA2?mS``e A6C >@?E9k^DA2?mk^DA2?mk^E5mk^ECmk^E23=6m
kAm}@E6i !C6>:F>D 2C6 C6AC6D6?E2E:G6 @?=Jj :?5:G:5F2= AC6>:F>D H:== 36 5:776C6?Ek^Am
kAmk2 ?2>6lQA\bQ :5lQA\bQmk^2mk^Am
kAmpG6C286 r2C x?DFC2?46 r@DE 3J p86k^Am
kAm*@FC 286 42? 27764E J@FC 42C :?DFC2?46 C2E6D 3642FD6 J@F?86C 5C:G6CD H:E9 =6DD 6IA6C:6?46 @? E96 C@25 E6?5 E@ 92G6 >@C6 244:56?ED E92? @=56C[ >2EFC6 5C:G6CD] pD 2 C6DF=E[ E96J 2=D@ A2J >@C6 7@C 42C :?DFC2?46]k^Am
kAm!C6>:F>D FDF2==J 5C@A 3J `aT E@ a_T H96? 2 k2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^5@6D\42C\:?DFC2?46\8@\5@H?\2E\ad\a`c_faaabc^Qm5C:G6C EFC?D ad J62CD @=5k^2m] p7E6C E92E[ E96 2G6C286 5C:G6C’D C2E6 H:== 8C25F2==J 564C62D6 @G6C E:>6 F?E:= E96J C6249 E96:C D6G6?E:6D] pE E92E A@:?E[ 4@DED C:D6 @?46 282:? 5F6 E@ E96 :?4C62D65 C:D< A@D65 3J D6?:@C 5C:G6CD]k^Am
kE23=6mkE9625mkECmkE9mkDEC@?8mp86k^DEC@?8mk^E9mkE9mkDEC@?8mpG6C286 p??F2= !C6>:F>k^DEC@?8mk^E9mkE9mkDEC@?8mpG6C286 |@?E9=J !C6>:F>k^DEC@?8mk^E9mk^ECmk^E9625mkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^9@H\>F49\:D\42C\:?DFC2?46\7@C\2\`e\J62C\@=5\a`c_f__edc^Qm`e J62CD @=5k^2mk^E5mkE5mkDA2?mkDA2?mSb[`ha A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSaee A6C >@?E9k^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^9@H\>F49\:D\42C\:?DFC2?46\7@C\2\ad\J62C\@=5\a`c_f__ech^Qmad J62CD @=5k^2mk^E5mkE5mkDA2?mkDA2?mSg`d A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSeg A6C >@?E9k^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^9@H\>F49\:D\42C\:?DFC2?46\7@C\2\cd\J62C\@=5\a`c_fchged^Qmcd J62CD @=5k^2mk^E5mkE5mkDA2?mkDA2?mSef` A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSde A6C >@?E9k^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^9@H\>F49\:D\42C\:?DFC2?46\7@C\2\ed\J62C\@=5\a`c_fchgeg^Qmed J62CD @=5k^2mk^E5mkE5mkDA2?mkDA2?mSeg_ A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSdf A6C >@?E9k^DA2?mk^DA2?mk^E5mk^ECmk^E23=6m
kAm}@E6i !C6>:F>D 2C6 C6AC6D6?E2E:G6 @?=Jj :?5:G:5F2= AC6>:F>D H:== 36 5:776C6?Ek^Am
kAm{62C? >@C6 23@FE k2 9C67lQ9EEADi^^H2==6E9F3]4@>^65F^4:^2G6C286\42C\:?DFC2?46\C2E6D\3J\286^ehba`Qm2G6C286 42C :?DFC2?46 4@DE 3J 286k^2m]k^Am
kAmk2 ?2>6lQA\``Q :5lQA\``Qmk^2mk^Am
kAmpG6C286 r2C x?DFC2?46 r@DE 3J v6?56Ck^Am
kAmu6>2=6 5C:G6CD A2J 2? 2G6C286 @7 eT >@C6 E92? >2=6 5C:G6CD[ 244@C5:?8 E@ (2==6EwF3’D 2?2=JD:D] w@H6G6C[ D6G6C2= DE2E6D[ :?4=F5:?8 r2=:7@C?:2 2?5 w2H2::[ 92G6 =2HD :? A=246 E92E 7@C3:5 FD:?8 86?56C E@ :?7=F6?46 42C :?DFC2?46 C2E6D]k^Am
kE23=6mkE9625mkECmkE9mkDEC@?8mv6?56Ck^DEC@?8mk^E9mkE9mkDEC@?8mpG6C286 p??F2= !C6>:F>k^DEC@?8mk^E9mkE9mkDEC@?8mpG6C286 |@?E9=J !C6>:F>k^DEC@?8mk^E9mk^ECmk^E9625mkECmkE5m|2=6k^E5mkE5mkDA2?mkDA2?mSef` A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSde A6C >@?E9k^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mu6>2=6k^E5mkE5mkDA2?mkDA2?mSf_b A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSdh A6C >@?E9k^DA2?mk^DA2?mk^E5mk^ECmk^E23=6m
kAm}@E6i !C6>:F>D 2C6 C6AC6D6?E2E:G6 @?=Jj :?5:G:5F2= AC6>:F>D H:== 36 5:776C6?Ek^Am
kAm{62C? >@C6 23@FE k2 9C67lQ9EEADi^^H2==6E9F3]4@>^65F^4:^2G6C286\42C\:?DFC2?46\C2E6D\3J\286\2?5\86?56C^h`gdhQm2G6C286 42C :?DFC2?46 4@DE 3J 86?56Ck^2m]k^Am
kAmk2 ?2>6lQA\cQ :5lQA\cQmk^2mk^Am
kAmpG6C286 r2C x?DFC2?46 r@DE 3J r2C %JA6k^Am
kAm%96 >@DE 6IA6?D:G6 EJA6 @7 42C E@ :?DFC6 :D 2 DA@CED 42C[ 7@==@H65 3J 2 ECF4<] x? 86?6C2=[ E96 72DE6C 2 42C 42? 8@ @C E96 >@C6 6IA6?D:G6 :E :D E@ C6A2:C @C C6A=246[ E96 >@C6 :ED :?DFC2?46 H:== 4@DE]k^Am
kAmsC:G6CD E6?5 E@ 2DDF>6 E92E :7 2 42C :D >@C6 6IA6?D:G6[ :E 2FE@>2E:42==J 4@DED >@C6 E@ :?DFC6 E92? 2 4962A6C 42C] w@H6G6C[ E9:D :D ?@E 2=H2JD E96 42D6] k2 9C67lQ9EEADi^^H2==6E9F3]4@>^65F^4:^:?DFC2?46\AC6>:F>D\3J\42C\EJA6^bhehQm(2==6EwF3’D 2?2=JD:Dk^2m 7@F?5 E92E @?=J aaT @7 E96 5:776C6?46 :? :?DFC2?46 AC6>:F>D 7@C 42CD :? E96 D2>6 42E68@CJ 42? 36 2EEC:3FE65 E@ E96 4@DE @7 E96 42C] %96 C6>2:?:?8 fgT 56A6?5D @? @E96C 724E@CD DF49 2D E96 42C’D 3@5J EJA6[ k2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^42C\>2<6\2?5\>@56=\a`c_f`g_a_^Qm>2<6k^2m[ 2?5 286[ H9:49 27764E 9@H >F49 52>286 2 42C 42? 42FD6 2?5 9@H >F49 :E 4@DED E@ C6A2:C]k^Am
kE23=6mkE9625mkECmkE9mkDEC@?8m%JA6 @7 r2Ck^DEC@?8mk^E9mkE9mkDEC@?8mpG6C286 p??F2= !C6>:F>k^DEC@?8mk^E9mkE9mkDEC@?8mpG6C286 |@?E9=J !C6>:F>k^DEC@?8mk^E9mk^ECmk^E9625mkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^9@H\>F49\:D\:?DFC2?46\7@C\2?\DFG\a`c_fe_`a_^QmrC@DD@G6C^$&'k^2mk^E5mkE5mkDA2?mkDA2?mSedd A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSdd A6C >@?E9k^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^9@H\>F49\:D\:?DFC2?46\7@C\2\D652?\a`c_fe_``a^Qm$652?k^2mk^E5mkE5mkDA2?mkDA2?mSef` A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSde A6C >@?E9k^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^9@H\>F49\:D\:?DFC2?46\7@C\2\ECF4<\a`c_fe_`ae^Qm%CF4<k^2mk^E5mkE5mkDA2?mkDA2?mSedf A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSdd A6C >@?E9k^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^9@H\>F49\:D\:?DFC2?46\7@C\2\4@FA6\a`c_fe_`aa^Qmr@FA6k^2mk^E5mkE5mkDA2?mkDA2?mSee_ A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSdd A6C >@?E9k^DA2?mk^DA2?mk^E5mk^ECmk^E23=6m
kAm}@E6i !C6>:F>D 2C6 C6AC6D6?E2E:G6 @?=Jj :?5:G:5F2= AC6>:F>D H:== 36 5:776C6?E k2 ?2>6lQA\hQ :5lQA\hQmk^2mk^Am
kAmpG6C286 r2C x?DFC2?46 r@DE 3J $A64:7:4 '69:4=6k^Am
kAm%96 G69:4=6D =:DE65 36=@H 2C6 E96 k2 9C67lQ9EEADi^^H2==6E9F3]4@>^65F^4:^4962A6DE\42CD\E@\:?DFC6^eddg_Qm4962A6DE 42CD E@ :?DFC6 @G6C2==k^2m[ 244@C5:?8 E@ (2==6EwF3’D 2?2=JD:D] %96D6 DA64:7:4 42CD C6AC6D6?E 2 >:I @7 $&'D 2?5 >:?:G2?D[ H9:49 2C6 EJA:42==J 4962A6C E@ :?DFC6 E92? @E96C EJA6D @7 42CD 5F6 E@ E96:C 9:89 D276EJ C2E:?8D[ =@H C6A2:C 4@DED[ 2?5 =@H 244:56?E C2E6D]k^Am
kE23=6mkE9625mkECmkE9mkDEC@?8mr2Ck^DEC@?8mk^E9mkE9mkDEC@?8mpG6C286 p??F2= !C6>:F>k^DEC@?8mk^E9mkE9mkDEC@?8mpG6C286 |@?E9=J !C6>:F>k^DEC@?8mk^E9mk^ECmk^E9625mkECmkE5m$F32CF u@C6DE6Ck^E5mkE5mS`[ffbk^E5mkE5mS`cgk^E5mk^ECmkECmkE5ms@586 vC2?5 r2C2G2?k^E5mkE5mS`[fgek^E5mkE5mS`chk^E5mk^ECmkECmkE5mw@?52 ~5JDD6Jk^E5mkE5mS`[g__k^E5mkE5mS`d_k^E5mk^ECmkECmkE5mu@C5 tD42A6k^E5mkE5mS`[gffk^E5mkE5mS`dek^E5mk^ECmkECmkE5m%@J@E2 $:6??2k^E5mkE5mS`[heek^E5mkE5mS`eck^E5mk^ECmk^E23=6m
kAm}@E6i !C6>:F>D 2C6 C6AC6D6?E2E:G6 @?=Jj :?5:G:5F2= AC6>:F>D H:== 36 5:776C6?E]k^Am
kAmk2 ?2>6lQA\eQ :5lQA\eQmk^2mk^Am
kAmpG6C286 r2C x?DFC2?46 r@DE 3J r2E68@CJk^Am
kAm$:?46 42C :?DFC2?46 4@DED 2C6 32D65 @? 2 5C:G6C’D 6IA64E65 =6G6= @7 C:D< 2?5 =:<6=:9@@5 @7 k2 9C67lQ9EEADi^^H2==6E9F3]4@>^65F^4:^42C\:?DFC2?46\4=2:>D^`aggaQm7:=:?8 4=2:>Dk^2m[ 46CE2:? 5C:G6CD A2J >@C6 E92? @E96CD] $EF56?ED 2?5 E66?D E6?5 E@ A2J >@C6 7@C :?DFC2?46 3642FD6 @7 E96:C =24< @7 6IA6C:6?46[ H9:=6 >2CC:65 A6@A=6 2C6 D66? 2D 36:?8 >@C6 DE23=6 2?5 =6DD =:<6=J E@ E2<6 C:D<D[ H9:49 =625D E@ =@H6C AC6>:F> 4@DED] $6?:@CD A2J D=:89E=J >@C6 7@C 42C :?DFC2?46 E92? >:55=6\2865 5C:G6CD 3642FD6 D6?:@CD 2C6 DE2E:DE:42==J >@C6 =:<6=J E@ 36 :?G@=G65 :? D6C:@FD 244:56?ED @? E96 C@25]k^Am
kE23=6mkE9625mkECmkE9mkDEC@?8mr2E68@CJk^DEC@?8mk^E9mkE9mkDEC@?8mpG6C286 p??F2= !C6>:F>k^DEC@?8mk^E9mkE9mkDEC@?8mpG6C286 |@?E9=J !C6>:F>k^DEC@?8mk^E9mk^ECmk^E9625mkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^9@H\>F49\:D\E66?286\42C\:?DFC2?46\A6C\>@?E9\a`c_egedb_^Qm%66?286Ck^2mk^E5mkE5mkDA2?mkDA2?mSa[ha_ A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSacb A6C >@?E9k^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^2G6C286\4@==686\DEF56?E\42C\:?DFC2?46\a`c_fda_hc^Qm$EF56?Ek^2mk^E5mkE5mkDA2?mkDA2?mS`[`_f A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSha A6C >@?E9k^DA2?mk^DA2?mk^E5mk^ECmkECmkE5m$:?8=6 !6CD@?k^E5mkE5mkDA2?mkDA2?mSef` A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSde A6C >@?E9k^DA2?mk^DA2?mk^E5mk^ECmkECmkE5m|2CC:65 !6CD@?k^E5mkE5mkDA2?mkDA2?mSece A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSdc A6C >@?E9k^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mk2 9C67lQ9EEADi^^H2==6E9F3]4@>^65F^4:^36DE\2FE@\:?DFC2?46\7@C\D6?:@CD^ggahaQm$6?:@CDk^2mk^E5mkE5mkDA2?mkDA2?mSedg A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSdd A6C >@?E9k^DA2?mk^DA2?mk^E5mk^ECmk^E23=6m
kAm}@E6i !C6>:F>D 2C6 C6AC6D6?E2E:G6 @?=Jj :?5:G:5F2= AC6>:F>D H:== 36 5:776C6?Ek^Am
kAmk2 ?2>6lQA\dQ :5lQA\dQmk^2mk^Am
kAmpG6C286 r2C x?DFC2?46 r@DE 3J rC65:E $4@C6k^Am
kAmsC:G6CD H:E9 325 4C65:E A2J 2? 2G6C286 @7 f`T >@C6 7@C 42C :?DFC2?46 E92? 5C:G6CD H:E9 8@@5 4C65:E[ 244@C5:?8 E@ (2==6EwF3’D 2?2=JD:D] x?DFC2?46 4@>A2?:6D k2 9C67lQ9EEADi^^H2==6E9F3]4@>^2?DH6CD^4:^5@\42C\:?DFC2?46\4@>A2?:6D\4964<\4C65:E\a`c_fabafg^Qm4@?D:56Ck^2m 5C:G6CD’ 4C65:E 9:DE@CJ 3642FD6 :E :D 86?6C2==J 4@CC6=2E65 H:E9 E96:C =:<6=:9@@5 @7 7:=:?8 2? :?DFC2?46 4=2:>] %96J 5@ ?@E 5:C64E=J FD6 4C65:E D4@C6D H96? 42=4F=2E:?8 E96 4@DE @7 AC6>:F>D[ 3FE E96J FD6 E96 D2>6 F?56C=J:?8 :?7@C>2E:@?i k2 9C67lQ9EEADi^^H2==6E9F3]4@>^7C66\4C65:E\C6A@CEQmJ@FC 4C65:E C6A@CEk^2m]k^Am
kE23=6mkE9625mkECmkE9mkDEC@?8mrC65:E $4@C6k^DEC@?8mk^E9mkE9mkDEC@?8mpG6C286 p??F2= !C6>:F>k^DEC@?8mk^E9mkE9mkDEC@?8mpG6C286 |@?E9=J !C6>:F>k^DEC@?8mk^E9mk^ECmk^E9625mkECmkE5mv@@5 rC65:Ek^E5mkE5mkDA2?mkDA2?mSef` A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mSde A6C >@?E9k^DA2?mk^DA2?mk^E5mk^ECmkECmkE5mq25 rC65:Ek^E5mkE5mkDA2?mkDA2?mS`[ebb A6C J62Ck^DA2?mk^DA2?mk^E5mkE5mkDA2?mkDA2?mS`be A6C >@?E9k^DA2?mk^DA2?mk^E5mk^ECmk^E23=6m
kAm}@E6i !C6>:F>D 2C6 C6AC6D6?E2E:G6 @?=Jj :?5:G:5F2= AC6>:F>D H:== 36 5:776C6?Ek^Am
kAmu@C 5C:G6CD :? r2=:7@C?:2[ |:49:82?[ |2DD249FD6EED[ (2D9:?8E@?[ 2?5 w2H2::[ 4C65:E 52E2 42??@E 36 FD65 E@ 56E6C>:?6 42C :?DFC2?46 C2E6D 3642FD6 :E :D AC@9:3:E65 3J DE2E6 =2H] x?DE625[ :?DFC2?46 4@>A2?:6D H:== D:>A=J 6G2=F2E6 724E@CD DF49 2D 2 5C:G6CVD 286[ 5C:G:?8 C64@C5[ G69:4=6[ 2?5 >@C6] k2 ?2>6lQA\`_Q :5lQA\`_Qmk^2mk^Am
kAmpG6C286 r@DE @7 r2C x?DFC2?46 3J *62Ck^Am
kAmp>6C:42?D DA6?5 >@C6 E92? S`[___ @? 42C :?DFC2?46 A6C J62C[ 244@C5:?8 E@ E96 =2E6DE 52E2 7C@> E96 }2E:@?2= pDD@4:2E:@? @7 x?DFC2?46 r@>>:DD:@?6CD] %9:D 52E2 2=D@ D9@HD E92E 2??F2= 42C :?DFC2?46 DA6?5:?8 :?4C62D65 3J C@F89=J bhT 7C@> a_`a E@ a_aa]k^Am
kE23=6mkECmkE5mkDEC@?8m*62Ck^DEC@?8mk^E5mkE5mkDEC@?8mpG6C286 6IA6?5:EFC6k^DEC@?8mk^E5mkE5mkDEC@?8mT r92?86 7C@> AC6G:@FD J62Ck^DEC@?8mk^E5mk^ECmkECmkE5ma_`ak^E5mkE5mSg`ak^E5mkE5mk^E5mk^ECmkECmkE5ma_`bk^E5mkE5mSgc`k^E5mkE5mcTk^E5mk^ECmkECmkE5ma_`ck^E5mkE5mSgf_k^E5mkE5mbTk^E5mk^ECmkECmkE5ma_`dk^E5mkE5mSghfk^E5mkE5mbTk^E5mk^ECmkECmkE5ma_`ek^E5mkE5mShcdk^E5mkE5mdTk^E5mk^ECmkECmkE5ma_`fk^E5mkE5mS`[__hk^E5mkE5mfTk^E5mk^ECmkECmkE5ma_`gk^E5mkE5mS`[_dgk^E5mkE5mdTk^E5mk^ECmkECmkE5ma_`hk^E5mkE5mS`[_fdk^E5mkE5maTk^E5mk^ECmkECmkE5ma_a_k^E5mkE5mS`[_cgk^E5mkE5m\bTk^E5mk^ECmkECmkE5ma_a`k^E5mkE5mS`[_eak^E5mkE5m`Tk^E5mk^ECmkECmkE5ma_aak^E5mkE5mS`[`afk^E5mkE5meTk^E5mk^ECmk^E23=6m
kAm$@FC46i }2E:@?2= pDD@4:2E:@? @7 x?DFC2?46 r@>>:DD:@?6CD W}pxrXk^Am
kAm~E96C u24E@CD %92E r2? p7764E E96 r@DE @7 pFE@ x?DFC2?46k^Am
kAmpFE@ :?DFC2?46 4@>A2?:6D 4@?D:56C 2 H:56 G2C:6EJ @7 G2C:23=6D H96? 56E6C>:?:?8 E96 AC6>:F> 7@C 2 A@=:4J] t249 :?DFC2?46 4@>A2?J 2DD:8?D 5:776C6?E H6:89ED E@ E96 G2C:@FD 724E@CD E96J 4@?D:56C[ 3FE E96 86?6C2= 4@>A@?6?ED 2C6 =2C86=J E96 D2>6] x? 255:E:@? E@ E9:?8D =:<6 J@FC 286[ H92E DE2E6 J@F =:G6 :?[ H92E EJA6 @7 42C J@F 5C:G6[ 9@H 8@@5 J@FC 4C65:E D4@C6 :D 2?5 H9:49 :?DFC2?46 4@>A2?J J@F 49@@D6 WH9:49 2C6 4@G6C65 23@G6X[ 2== E96 724E@CD =:DE65 36=@H 42? 2=D@ 27764E E96 4@DE @7 42C :?DFC2?46]k^Am
kF=mk=:mkDEC@?8mx?DFC2?46 9:DE@CJik^DEC@?8m p =@?8 82A :? J@FC :?DFC2?46 9:DE@CJ 42? C6DF=E :? 9:896C C2E6D[ 2D 42? 2 9:DE@CJ @7 4=2:>D]k^=:mk=:mkDEC@?8ms65F4E:3=6ik^DEC@?8m %96 =@H6C J@FC 565F4E:3=6 :D[ E96 9:896C J@F 42? 6IA64E J@FC AC6>:F> E@ 36] %9:D 27764ED 4@==:D:@? :?DFC2?46[ 4@>AC696?D:G6 :?DFC2?46[ F?:?DFC65 >@E@C:DE 4@G6C286[ 2?5 A6CD@?2= :?;FCJ AC@E64E:@?]k^=:mk=:mkDEC@?8mw@H >2?J >:=6D J@F 5C:G6ik^DEC@?8m %96 9:896C J@FC 2??F2= >:=6286 :D[ E96 >@C6 J@F 42? 6IA64E E@ A2J 7@C 42C :?DFC2?46[ D:?46 E96C6’D >@C6 @AA@CEF?:EJ 7@C 244:56?ED]k^=:mk=:mkDEC@?8m(96? J@F 5C:G6ik^DEC@?8m r@?D:DE6?E=J 5C:G:?8 =2E6 2E ?:89E 42? =625 E@ 9:896C 42C :?DFC2?46 AC6>:F>D[ A2CE:4F=2C=J H:E9 FD286\32D65 :?DFC2?46[ D:?46 E96 E9C62E @7 2? 244:56?E :D 9:896C]k^=:mk=:mkDEC@?8m+x! 4@56ik^DEC@?8m p44:56?ED 2?5 G69:4=6 E967ED 2C6 >@C6 4@>>@? :? D@>6 2C62D E92? @E96CD[ D@ :?DFC2?46 4@>A2?:6D 25;FDE E96 AC:46 @7 2FE@ :?DFC2?46 A@=:4:6D 244@C5:?8=J]k^=:mk=:mkDEC@?8my@3^277:=:2E:@?ik^DEC@?8m !6@A=6 H9@ 36=@?8 E@ 46CE2:? AC@76DD:@?2= 8C@FAD @C 2=F>?: 2DD@4:2E:@?D >2J 36 6=:8:3=6 7@C 2 5:D4@F?E @? E96:C 42C :?DFC2?46] r6CE2:? AC@76DD:@?D 2C6 2=D@ DE2E:DE:42==J =6DD =:<6=J E@ 7:=6 4=2:>D 2?5 >2J 86E 2 =@H6C AC6>:F> 2D 2 C6DF=E]k^=:mk=:mkDEC@?8mqF?5=:?8ik^DEC@?8m x7 J@F 3F?5=6 J@FC 42C :?DFC2?46 H:E9 2?@E96C EJA6 @7 4@G6C286[ DF49 2D 9@>6 :?DFC2?46[ J@F 4@F=5 86E 2 4962A6C AC:46 E92? J@F H@F=5 92G6 E@ A2J :7 J@F AFC492D65 E96> D6A2C2E6=J] $:>:=2C=J[ :?DFC:?8 >F=E:A=6 42CD H:E9 E96 D2>6 4@>A2?J 42? 86E J@F 2 =@H6C AC:46 A6C 42C]k^=:mk=:mkDEC@?8m!2J>6?E 7C6BF6?4Jik^DEC@?8m !2J:?8 7@C 2 7F== J62C @C D:I\>@?E9 A@=:4J A6C:@5 FA 7C@?E :D FDF2==J 4962A6C E92? A2J:?8 >@?E9=J 7@C E96 D2>6 E:>6 A6C:@5]k^=:mk=:mkDEC@?8mtIA6C:6?46ik^DEC@?8m *@FC 6IA6C:6?46 @? E96 C@25 42? 27764E 9@H C:D<J J@F D66> E@ :?DFC6CD] *@F >:89E 86E 2 4962A6C AC6>:F> E92? D@>6@?6 6=D6 J@FC 286 :7 J@F 92G6 >@C6 6IA6C:6?46[ 7@C 6I2>A=6] %92E 6IA6C:6?46 ;FDE 92D E@ C67=64E C6DA@?D:3=6 5C:G:?8 E@ 36?67:E J@F]k^=:mk=:mkDEC@?8m'69:4=6 >@5:7:42E:@?Dik^DEC@?8m x7 J@F :>AC@G6 E96 A6C7@C>2?46 @C 2AA62C2?46 @7 J@FC 42C 2?5 J@F H2?E E96 :>AC@G6>6?E E@ 36 4@G6C65[ J@F’== =:<6=J 92G6 E@ A2J >@C6 7@C 42C :?DFC2?46 E92? D@>6@?6 H:E9 E96 DE2?52C5 G6CD:@? @7 E96 D2>6 G69:4=6]k^=:mk^F=m
kAm%@ =62C? >@C6 23@FE E96 >@DE :>A@CE2?E 724E@CD E@ 7@4FD @?[ 4964< @FE @FC 8F:56 @? k2 9C67lQ9EEADi^^H2==6E9F3]4@>^65F^4:^724E@CD\E92E\27764E\42C\:?DFC2?46\C2E6D^ehb_aQmE96 `_ 724E@CD E92E 27764E 42C :?DFC2?46 4@DED E96 >@DEk^2m]k^Am
kAmk2 ?2>6lQA\gQ :5lQA\gQmk^2mk^Am
kAmw@H E@ u:?5 r962A r2C x?DFC2?46k^Am
kAmt249 DE2E6 92D :ED @H? =2HD 2?5 C6BF:C6>6?ED 7@C 42C :?DFC2?46[ 2?5 AC6>:F>D 7@C 2?J 4@>A2?J 42? G2CJ H:56=J 56A6?5:?8 @? H96C6 J@F =:G6] pD 2 C6DF=E[ E96 4962A6DE 4@>A2?:6D 7@C 46CE2:? 5C:G6CD H:== 36 5:776C6?E 36EH66? DE2E6D] u@C J@FC 4@?G6?:6?46[ H6’G6 =:DE65 (2==6EwF3’D 8F:56D E@ 7:?5:?8 4962A 42C :?DFC2?46 :? E96 `_ =2C86DE DE2E6D 36=@H]k^Am
kE23=6mkECmkE5 H:5E9lQb`aQmk2 9C67lQ9EEADi^^H2==6E9F3]4@>^4962A\42C\:?DFC2?46^42=:7@C?:2Qmr2=:7@C?:2k^2mk^E5mkE5 H:5E9lQb`aQmk2 9C67lQ9EEADi^^H2==6E9F3]4@>^4962A\42C\:?DFC2?46^:==:?@:DQmx==:?@:Dk^2mk^E5mk^ECmkECmkE5 H:5E9lQb`aQmk2 9C67lQ9EEADi^^H2==6E9F3]4@>^4962A\42C\:?DFC2?46^E6I2DQm%6I2Dk^2mk^E5mkE5 H:5E9lQb`aQmk2 9C67lQ9EEADi^^H2==6E9F3]4@>^4962A\42C\:?DFC2?46^@9:@Qm~9:@k^2mk^E5mk^ECmkECmkE5 H:5E9lQb`aQmk2 9C67lQ9EEADi^^H2==6E9F3]4@>^4962A\42C\:?DFC2?46^7=@C:52Qmu=@C:52k^2mk^E5mkE5 H:5E9lQb`aQmk2 9C67lQ9EEADi^^H2==6E9F3]4@>^4962A\42C\:?DFC2?46^86@C8:2Qmv6@C8:2k^2mk^E5mk^ECmkECmkE5 H:5E9lQb`aQmk2 9C67lQ9EEADi^^H2==6E9F3]4@>^4962A\42C\:?DFC2?46^?6H\J@C<Qm}6H *@C<k^2mk^E5mkE5 H:5E9lQb`aQmk2 9C67lQ9EEADi^^H2==6E9F3]4@>^4962A\42C\:?DFC2?46^?@CE9\42C@=:?2Qm}@CE9 r2C@=:?2k^2mk^E5mk^ECmkECmkE5 H:5E9lQb`aQmk2 9C67lQ9EEADi^^H2==6E9F3]4@>^4962A\42C\:?DFC2?46^A6??DJ=G2?:2Qm!6??DJ=G2?:2k^2mk^E5mkE5 H:5E9lQb`aQmk2 9C67lQ9EEADi^^H2==6E9F3]4@>^4962A\42C\:?DFC2?46^>:49:82?Qm|:49:82?k^2mk^E5mk^ECmk^E23=6m
kAmk2 ?2>6lQG:56@Q :5lQG:56@Qmk^2mk^Am
kAm':56@i w@H |F49 xD r2C x?DFC2?46nk^Am
kAmk:7C2>6 DC4lQ9EEADi^^HHH]J@FEF36\?@4@@<:6]4@>^6>365^x&y*Deg*)3&nC6=l_U2>AjD9@H:?7@l_U2>Aj440=@250A@=:4Jl`U2>AjA=2JD:?=:?6l`U2>AjH:586E0C676C6Cl9EEADTbpTauTauH2==6E9F3]4@>Tau65FTau2G6C286\42C\:?DFC2?46\4@DETaugg_feTauQ E:E=6lQ':56@ t>365Q 2==@H7F==D4C66?lQQmk^:7C2>6mk^Am
kAm|6E9@5@=@8Jk^Am
kAm(2==6EwF3’D 2?2=JD:D @7 E96 2G6C286 C2E6D 7@C 42C :?DFC2?46 :D 32D65 @? 52E2 7C@> "F25C2?E x?7@C>2E:@? $6CG:46D] %@86E96C H:E9 E92E 52E2[ (2==6EwF3 FD65 E96 492C24E6C:DE:4D =:DE65 36=@H E@ 4C62E6 2 5C:G6C AC@7:=6 56D:8?65 E@ :56?E:7J E96 2G6C286 42C :?DFC2?46 C2E6D ?2E:@?2==J] v:G6? E92E AC:46D 2?5 52E2 2G2:=23:=:EJ G2CJ H:56=J 24C@DD E96 4@F?ECJ[ (2==6EwF3 4@>A2C65 E96 4@DE @7 >2;@C 42C :?DFC2?46 4@>A2?:6D 3J 2G6C28:?8 6249 :?DFC6CVD AC6>:F>D 24C@DD 2== d_ DE2E6D]k^Am
kAmx? E96 E23=6 36=@H[ J@F 42? D66 2== @7 E96 AC@7:=6 492C24E6C:DE:4D E92E H6C6 FD65 :? (2==6EwF3’D 2?2=JD:D]k^Am
kE23=6mkECmkE5mkDEC@?8mr2E68@CJk^DEC@?8mk^E5mkE5mkDEC@?8mp== !C@7:=6 r92C24E6C:DE:4Dk^DEC@?8mk^E5mkE5mkDEC@?8mv@@5 sC:G6C !C@7:=6k^DEC@?8mk^E5mk^ECmkECmkE5mv6?56Ck^E5mkE5m|2=6[ u6>2=6k^E5mkE5m|2=6k^E5mk^ECmkECmkE5mp86k^E5mkE5m`e[ `f[ `g[ `h[ a_[ a`[ aa[ ab[ ac[ ad[ bd[ cd[ dd[ edk^E5mkE5mcdk^E5mk^ECmkECmkE5m|2C:E2= $E2EFDk^E5mkE5m$:?8=6[ |2CC:65k^E5mkE5m$:?8=6k^E5mk^ECmkECmkE5m%66?286 sC:G6C x?4=F565 @? !@=:4Jk^E5mkE5m}@[ *6Dk^E5mkE5m}@k^E5mk^ECmkECmkE5msC:G:?8 #64@C5k^E5mkE5mr=62?[ ~?6 $A665:?8 %:4<6E[ ~?6 pE\u2F=E p44:56?E[ ~?6 s&x[ $FDA6?565 {:46?D6[ ~A6? r@?E2:?6C[ #65 {:89E x?7C24E:@?[ #64<=6DD sC:G:?8[ ~?6 }@E pE\u2F=E p44:56?Ek^E5mkE5mr=62?k^E5mk^ECmkECmkE5m|:=6D sC:G6? !6C *62Ck^E5mkE5mf[d__ |:=6D[ `d[___ |:=6D[ a_[___ |:=6Dk^E5mkE5m`d[___ |:=6Dk^E5mk^ECmkECmkE5mr@G6C286 {6G6=k^E5mkE5m|:?:>F>[ $E2?52C5[ uF==k^E5mkE5m|:?:>F>k^E5mk^ECmkECmkE5ms:D4@F?EDk^E5mkE5m}@?6[ |F=E:\!@=:4J[ w@>6@H?6C[ $EF56?Ek^E5mkE5m}@?6k^E5mk^ECmkECmkE5mrC65:E {6G6=k^E5mkE5m!@@C[ v@@5k^E5mkE5mv@@5k^E5mk^ECmkECmkE5mu:=:?8Dk^E5mkE5m}@?6[ $#aa[ u#cck^E5mkE5m}@?6k^E5mk^ECmkECmkE5mr2Ck^E5mkE5m$652?[ |:?:G2?[ $&'[ r@FA6[ %CF4<k^E5mkE5m$652?k^E5mk^ECmk^E23=6m
kAmq6=@H 2C6 255:E:@?2= 56E2:=D C682C5:?8 E96 E6C>:?@=@8J 2?5 DA64:7:4 492C24E6C:DE:4D @7 E96 G2C:23=6D :? E96 23@G6 E23=6ik^Am
kF=mk=:mkDEC@?8m|:?:>F> r@G6C286ik^DEC@?8m $E2E6 >:?:>F> 4@G6C286 C6BF:C6>6?ED]k^=:mk=:mkDEC@?8m$E2?52C5 r@G6C286k^DEC@?8mi r@G6C286 =6G6=D @7 d_<^`__<^ad< @7 =:23:=:EJ 4@G6C286 2?5 d_<^`__<^ad< @7 F?:?DFC65 >@E@C:DE 4@G6C286]k^=:mk=:mkDEC@?8muF== r@G6C286k^DEC@?8mi r@G6C286 =6G6=D @7 `__<^b__<^d_< @7 =:23:=:EJ 4@G6C286[ `__<^b__<^d_< @7 F?:?DFC65 >@E@C:DE 4@G6C286[ 2?5 4@==:D:@? 2?5 4@>AC696?D:G6 4@G6C286 H:E9 2 Sd__ 565F4E:3=6]k^=:mk=:mkDEC@?8m$652?k^DEC@?8mi a_`g %@J@E2 r2>CJ]k^=:mk=:mkDEC@?8m|:?:G2?k^DEC@?8mi a_`g s@586 vC2?5 r2C2G2?]k^=:mk=:mkDEC@?8m$&'k^DEC@?8mi a_`g %@J@E2 #p'c]k^=:mk=:mkDEC@?8mr@FA6k^DEC@?8mi a_`g u@C5 |FDE2?8]k^=:mk=:mkDEC@?8m%CF4<k^DEC@?8mi a_`g u@C5 u\`d_]k^=:mk^F=m
kAm(96C6 5C:G6C AC@7:=6D 2C6 ?@E DA64:7:65[ (2==6EwF3 FD65 E96 8@@5 5C:G6C AC@7:=6 =2:5 @FE 23@G6]k^Am
kAm(2==6EwF3 2=D@ 4@==64E65 BF@E6D 7@C ae @7 E96 >@DE A@AF=2C G69:4=6 >@56=D @? E96 C@25 :? E96 &]$][ 7C@> `_ >2;@C 2FE@ :?DFC2?46 4@>A2?:6D] u@C >@C6 56E2:=D @? 9@H E96D6 H6C6 56E6C>:?65[ 4964< @FE (2==6EwF3’D >6E9@5@=@8J 7@C E96 k2 9C67lQ9EEADi^^H2==6E9F3]4@>^65F^4:^4962A6DE\42CD\E@\:?DFC6^eddg_R>6E9@5@=@8JQm4962A6DE 42CD E@ :?DFC6k^2m]k^Am
kAm"F@E6 :?7@C>2E:@? :D 7C@> "F25C2?E x?7@C>2E:@? $6CG:46D 2?5 :D C6AC6D6?E2E:G6 @?=J] x?5:G:5F2= C2E6D H:== 36 5:776C6?E]k^Am
kAmk2 ?2>6lQ6IA6CEDQ :5lQ6IA6CEDQmk^2mk^Am
kAmpD< %96 tIA6CEDk^Am
kAm%@ 82:? >@C6 :?D:89E 23@FE 2G6C286 42C :?DFC2?46 4@DE[ (2==6EwF3 A@D65 E96 7@==@H:?8 BF6DE:@?D E@ 2 A2?6= @7 6IA6CED] r=:4< @? E96 6IA6CED 36=@H E@ G:6H E96:C 3:@D 2?5 2?DH6CD]k^Am
kAm`] (9J 92G6 42C :?DFC2?46 AC6>:F>D 366? :?4C62D:?8 @G6C E96 A2DE J62CDn a] w@H 42? 5C:G6CD =@H6C E96:C 2G6C286 42C :?DFC2?46 4@DEDn b] (9J 5@ D@>6 8C@FAD A2J D@ >F49 >@C6 7@C 42C :?DFC2?46 E92? @E96CDn c] r2? :?DFC6CD C62==J D2G6 5C:G6CD 2D >F49 @? E96:C 2G6C286 42C :?DFC2?46 4@DED 2D E96J 25G6CE:D6nk^Am
kAmk2 9C67lQRQ 4=2DDlQ2CC@H=67EQmU=Ejk^2m k2 9C67lQRQ 4=2DDlQ2CC@HC:89EQmU8Ejk^2mk^Am
kF=mk=:mk2 9C67lQRQ 52E2\6:5lQ`eggcbQmk:>8 DC4lQ9EEADi^^45?]H2==6E9F3]4@>^H2==6E9F3^A@DED^`eggcb^5C]\DF>>6C\KH2?K:86C\6=D:?86C\];A8Q H:5E9lQ``_Q 96:89ElQ``_Q 2=ElQQ ^m kDEC@?8msC] $F>>6C +H2?K:86C t=D:?86Ck^DEC@?8m {64EFC6C[ $49@@= @7 qFD:?6DD \ &?:G6CD:EJ @7 (:D4@?D:?\!=2E6G:==6k^2mk^=:mk=:mk2 9C67lQRQ 52E2\6:5lQ`egafhQmk:>8 DC4lQ9EEADi^^45?]H2==6E9F3]4@>^H2==6E9F3^A@DED^`egafh^>6=:DD2\4@96?\];A68Q H:5E9lQ``_Q 96:89ElQ``_Q 2=ElQQ ^m kDEC@?8m|6=:DD2 r@96?k^DEC@?8m s]q]p][ {64EFC6C[ s6A2CE>6?E @7 t4@?@>:4D 2?5 u:?2?46[ y@?6D r@==686 @7 qFD:?6DD \ |:55=6 %6??6DD66 $E2E6 &?:G6CD:EJk^2mk^=:mk=:mk2 9C67lQRQ 52E2\6:5lQ`eg`gbQmk:>8 DC4lQ9EEADi^^45?]H2==6E9F3]4@>^H2==6E9F3^A@DED^`eg`gb^2?5C62\;]\D]\DE2?2=2?5];A8Q H:5E9lQ``_Q 96:89ElQ``_Q 2=ElQQ ^m kDEC@?8mp?5C62 y] $] $E2?2=2?5k^DEC@?8m !9]s][ !C@76DD@C @7 |2C<6E:?8[ s2G:D r@==686 @7 qFD:?6DD 2?5 t4@?@>:4D[ #257@C5 &?:G6CD:EJk^2mk^=:mk=:mk2 9C67lQRQ 52E2\6:5lQ`eff`hQmk:>8 DC4lQ9EEADi^^45?]H2==6E9F3]4@>^H2==6E9F3^A@DED^`eff`h^>C:?2=:?:\49@F592CJ\];A8Q H:5E9lQ``_Q 96:89ElQ``_Q 2=ElQQ ^m kDEC@?8m|C:?2=:?: r9@F592CJk^DEC@?8m !9]s][ pDD:DE2?E !C@76DD@C @7 |2C<6E:?8[ $96?2?5@29 &?:G6CD:EJ $49@@= @7 qFD:?6DDk^2mk^=:mk=:mk2 9C67lQRQ 52E2\6:5lQ`eehagQmk:>8 DC4lQ9EEADi^^45?]H2==6E9F3]4@>^H2==6E9F3^A@DED^`eehag^5C]\;2D@?\<6:E9\A9:==:AD];A8Q H:5E9lQ``_Q 96:89ElQ``_Q 2=ElQQ ^m kDEC@?8msC] y2D@? z6:E9 !9:==:ADk^DEC@?8m !9]s][ r]%]{][ !C@76DD@C @7 |2C<6E:?8[ (6DE r96DE6C &?:G6CD:EJk^2mk^=:mk=:mk2 9C67lQRQ 52E2\6:5lQ`ee_hhQmk:>8 DC4lQ9EEADi^^45?]H2==6E9F3]4@>^H2==6E9F3^A@DED^`ee_hh^D2>A2E9\<F>2C\];A8Q H:5E9lQ``_Q 96:89ElQ``_Q 2=ElQQ ^m kDEC@?8m$2>A2E9 zF>2Ck^DEC@?8m r92:C @7 |2C<6E:?8 U2>Aj |2?286>6?E[ r92:C @7 |$ |2?286>6?E[ r92:C @7 |$ s2E2 $4:6?46[ !C@76DD@C @7 |2C<6E:?8 7@C E96 pFDE:? t] r@7C:? $49@@= @7 qFD:?6DD 2E &(\vC66? q2Jk^2mk^=:mk^F=m
