1.1)INTRODUCTION Insurance is a Cover Used For

8/14/2019 1.1)INTRODUCTION Insurance is a Cover Used For

1/119

7%7*JERPIB[FRJIE

Jev{pgefk jv g fiskp {vkb cip xpirkfrjea iekvkoc cpil rdk pjvn ic g cjegefjgooivv% Jr jv jlxiprger ri {ebkpvrgeb rdgr pjvn jv g xgpr ic gez xkpviev ojck gebrdgr jr jefpkgvkv gv g xkpvie jefpkgvkv je gak/ pkvxievj`jojrz geb qkgord%Jev{pgefk jv pjvn fiskpgak gagjevr cjegefjgo oivvkv geb vdi{ob eir `k rgnke gv ge

jeskvrlker jevrp{lker%Rdkpk gpk lgjeoz rqi xgprjkv jesioskb je rdjv rdk jev{pkp geb rdk jev{pkb% Rdkjev{pkp jv rdk jev{pgefk filxgez qdi qjoo xpisjbk rdk fiskp ri rdk jev{pkb gagjevrgez cjegefjgo oivvkv% Rdk jev{pkb lgz `k ge jebjsjb{go xkpvie ip g api{x ic xkixokojnk ge klxoizkp/ lkl`kpv ic g vifjkrz/ krf%G xiojfz jv rdk fierpgfr `krqkke rdk jev{pkp geb rdk jev{pkb/ qdjfd vrgrkv rdkpjvnv fiskpkb/ rdk ktfo{vjiev/ jc gez/ geb rdk `kekcjrv pkjl`{pvkb ie rdkdgxxkejea ic ge ksker ojnk bkgrd/ jooekvv krf% Rdk xiojfz jv xgjb rdpi{ad qdgr jvfgookb g xpklj{l/ qdjfd jv g vkr gli{er rdgr l{vr `k xgjb `z rdk jev{pkb ie glierdoz/ vklj,gee{go ip gee{go `gvjv% Ie rdk dgxxkejea ic ge ksker ojnk bkgrd/bjvg`jojrz/ cjpk/ krf/ cip qdjfd rdk jev{pkb jv fiskpkb/ rdk `kekcjr gli{er vrgrkbje rdk xiojfz fierpgfr fge `k fogjlkb `z rdk jev{pkb%7%0*Fogvvjcjfgrjie ic Jev{pgefk

Rdkpk gpk lgjeoz rqi `pigb fogvvkv ic Jev{pgefk Ojck geb Eie Ojck% Ojck jev{pgefk xpib{frv jefo{bk Rkpl Ojck xiojfjkv/ qdjfd ajsk g x{pk pjvnfiskpgak ic ieoz rdk bkgrd `kekcjr/ qdkpkgv kebiqlker ip liekz `gfn xiojfjkv dgskg pjvn gv qkoo gv vgsjeav filxieker j%k% bkgrd gv qkoo gv lgr{pjrz `kekcjr% Govifiljea {ebkp rdk ojck jev{pgefk {l`pkoog gpk rdk [ejr Ojenkb Xiojfjkv je qdjfdrdkpk jv g pjvn filxieker geb g vgsjeav filxieker/ qdjfd jv jeskvrkb je kw{jrz/bk`r ip ajor c{ebv/ bkxkebjea ie rdk jev{pgefk filxgez% Eie Ojck jev{pgefk xpib{frv jefo{bk xpixkprz ip fgv{gorz/ dkgord jev{pgefkip di{vk/ cjpk/ lgpjek jev{pgefk krf% Rdjv jev{pgefk fogvv bkgov qjrd goo rdk eie,ojck gvxkfrv ic ge jev{pkb ojnk djv)dkp di{vk/ dkgord/ ogeb/ iccjfk/ fgpai/ krfqdjfd ljadr `pjea cjegefjgo oivv%

7%6*QDGR JV JEV[PGEFKJev{pgefk jv g cipl ic pjvn lgegaklker je qdjfd rdk jev{pkb rpgevckpv rdk fivr icxirkerjgo oivv ri geirdkp kerjrz je ktfdgeak cip liekrgpz filxkevgrjie neiqe gvrdk xpklj{l% $Cip `gfnapi{eb pkgbjea/ vkk Rdk Djvripz Ic Jev{pgefk Je Glkpjfg%*

Jev{pgefk gooiqv jebjsjb{gov/ `{vjekvvkv geb irdkp kerjrjkv ri xpirkfr rdklvkoskvgagjevr vjaejcjfger xirkerjgo oivvkv geb cjegefjgo dgpbvdjx gr g pkgvieg`ozgccipbg`ok pgrk% Qk vgz "vjaejcjfger" `kfg{vk jc rdk xirkerjgo oivv jv vlgoo/ rdkejr bikve!r lgnk vkevk ri xgz g xpklj{l ri xpirkfr gagjevr rdk oivv% Gcrkp goo/ zi{qi{ob eir xgz g lierdoz xpklj{l ri xpirkfr gagjevr g ;8 oivv `kfg{vk rdjv qi{obeir `k fievjbkpkb g cjegefjgo dgpbvdjx cip livr%


2/119

Jev{pgefk jv gxxpixpjgrk qdke zi{ qger ri xpirkfr gagjevr g vjaejcjfger liekrgpzoivv% Rgnk ojck jev{pgefk gv ge ktglxok% Jc zi{ gpk rdk xpjlgpz `pkgbqjeekp jezi{p dilk/ rdk oivv ic jefilk rdgr zi{p cgljoz qi{ob ktxkpjkefk gv g pkv{or ic i{pxpklgr{pk bkgrd jv fievjbkpkb g vjaejcjfger oivv geb dgpbvdjx rdgr zi{ vdi{obxpirkfr rdkl gagjevr% Jr qi{ob `k skpz bjccjf{or cip zi{p cgljoz ri pkxogfk zi{pjefilk/ vi rdk lierdoz xpklj{lv kev{pk rdgr jc zi{ bjk/ zi{p jefilk qjoo `kpkxogfkb `z rdk jev{pkb gli{er% Rdk vglk xpjefjxok gxxojkv ri lgez irdkp ciplv ic

jev{pgefk% Jc rdk xirkerjgo oivv qjoo dgsk g bkrpjlkergo kcckfr ie rdk xkpvie ipkerjrz/ jev{pgefk lgnkv vkevk% $Cip lipk jevjadr/ vkk 7; Jev{pgefk Xiojfjkv Zi{Bie!r Ekkb%*

Kskpziek rdgr qgerv ri xpirkfr rdklvkoskv ip vilkiek kovk gagjevr cjegefjgodgpbvdjx vdi{ob fievjbkp jev{pgefk% Rdjv lgz jefo{bk= Xpirkfrjea cgljoz gcrkp iek!v bkgrd cpil oivv ic jefilk Kev{pjea bk`r pkxgzlker gcrkp bkgrd Fiskpjea fierjeaker ojg`jojrjkv Xpirkfrjea gagjevr rdk bkgrd ic g nkz klxoizkk ip xkpvie je zi{p `{vjekvv @{zjea i{r g xgprekp ip fi,vdgpkdiobkp gcrkp djv ip dkp bkgrd Xpirkfrjea zi{p `{vjekvv cpil `{vjekvv jerkpp{xrjie geb oivv ic jefilk Xpirkfrjea zi{pvkoc gagjevr {ecipkvkkgòk dkgord ktxkevkv

Xpirkfrjea zi{p dilk gagjevr rdkcr/ cjpk/ coiib geb irdkp dg}gpbv Xpirkfrjea zi{pvkoc gagjevr ogqv{jrv Xpirkfrjea zi{pvkoc je rdk ksker ic bjvg`jojrz Xpirkfrjea zi{p fgp gagjevr rdkcr ip oivvkv jef{ppkb `kfg{vk ic gffjbkerv

7%2*C[EBGLKERGO IC JEV[PGEFK7%2%7*Diq bikv jev{pgefk qipn9

Jev{pgefk qipnv `z xiiojea pjvn%Qdgr bikv rdjv lkge9 Jr vjlxoz lkgev rdgr g ogpakapi{x ic xkixok qdi qger ri jev{pk gagjevr g xgprjf{ogp oivv xgz rdkjp xpklj{lvjeri qdgr qk qjoo fgoo rdk jev{pgefk `{fnkr/ ip xiio% @kfg{vk rdk e{l`kp ic

jev{pkb jebjsjb{gov jv vi ogpak/ jev{pgefk filxgejkv fge {vk vrgrjvrjfgo gegozvjvri xpimkfr qdgr rdkjp gfr{go oivvkv qjoo `k qjrdje rdk ajske fogvv% Rdkz neiq rdgreir goo jev{pkb jebjsjb{gov qjoo v{cckp oivvkv gr rdk vglk rjlk ip gr goo% Rdjvgooiqv rdk jev{pgefk filxgejkv ri ixkpgrk xpicjrgòz geb gr rdk vglk rjlk xgz cipfogjlv rdgr lgz gpjvk% Cip jevrgefk/ livr xkixok dgsk g{ri jev{pgefk `{r ieoz gckq gfr{gooz akr jeri ge gffjbker% Zi{ xgz cip rdk xpi`g`jojrz ic rdk oivv geb ciprdk xpirkfrjie rdgr zi{ qjoo `k xgjb cip oivvkv je rdk ksker rdkz iff{p%

7%2%0*Pjvnv

Ojck jv c{oo ic pjvnv , vilk gpk xpkskergòk ip fge gr okgvr `k ljejlj}kb/ vilkgpk gsijbgòk geb vilk gpk filxokrkoz {ecipkvkkgòk% Qdgr!v jlxiprger ri neiqgì{r pjvn qdke rdjenjea gì{r jev{pgefk jv rdk rzxk ic pjvn/ rdk kcckfr ic rdgr

pjvn/ rdk fivr ic rdk pjvn geb qdgr zi{ fge bi ri ljrjagrk rdk pjvn% Okr!v rgnkrdk ktglxok ic bpjsjea g fgp% $Cip lipk jevjadr ie rdk fiefkxr ic pjvn/ vkkBkrkpljejea Pjvn Geb Rdk Pjvn Xzpgljb%*

7%2%6*Rzxk ic pjvn= @ibjoz jem{pz/ rirgo oivv ic skdjfok/ dgsjea ri cjt zi{p fgp

Rdk kcckfr= Vxkebjea rjlk je rdk divxjrgo/ dgsjea ri pker g fgp geb dgsjea ri lgnkfgp xgzlkerv cip g fgp rdgr ei oieakp ktjvrv

Rdk fivrv= Fge pgeak cpil vlgoo ri skpz ogpakLjrjagrjea pjvn= Eir bpjsjea gr goo $pjvn gsijbgefk*/ `kfiljea g vgck bpjskp $zi{


3/119

vrjoo dgsk ri fierkeb qjrd irdkp bpjskpv*/ ip rpgevckppjea rdk pjvn ri vilkiekkovk $jev{pgefk*Okr!v ktxoipk rdjv fiefkxr ic pjvn lgegaklker $ip ljrjagrjie* xpjefjxokv g ojrrokbkkxkp geb oiin gr diq zi{ lgz gxxoz rdkl% Rdk `gvjf pjvn lgegaklker riiovjebjfgrk rdgr pjvnv rdgr fi{ob `pjea cjegefjgo oivvkv geb qdivk vkskpjrz fgeeir `kpkb{fkb vdi{ob `k rpgevckppkb% Zi{ vdi{ob govi fievjbkp rdk pkogrjievdjx `krqkkerdk fivr ic pjvn rpgevckp geb rdk sgo{k ic rpgevckppjea rdgr pjvn%

7%;*RZXKV IC JEV[PGEFK

0%7*@pjkc Djvripz Ic OJF

Rdk vripz ic jev{pgefk jv xpi`g`oz gv iob gv rdk vripz ic lgenjeb% Rdk vglkjevrjefr rdgr xpilxrv libkpe `{vjekvvlke ribgz ri vkf{pk rdklvkoskv gagjevr oivvgeb bjvgvrkp ktjvrkb je xpjljrjsk lke govi% Rdkz rii vi{adr ri gskpr rdk ksjofievkw{kefkv ic cjpk geb coiib geb oivv ic ojck geb qkpk qjoojea ri lgnk vilk vipric vgfpjcjfk je ipbkp ri gfdjksk vkf{pjrz% Rdi{ad rdk fiefkxr ic jev{pgefk jvogpakoz g bkskoixlker ic rdk pkfker xgvr/ xgprjf{ogpoz gcrkp rdk jeb{vrpjgo kpg xgvr ckq fker{pjkv zkr jrv `kajeejeav bgrk `gfn golivr 3888 zkgpv%Ojck Jev{pgefk je jrv libkpe cipl fglk ri Jebjg cpil Keaogeb je rdk zkgp 7474%Ipjkergo Ojck Jev{pgefk Filxgez vrgprkb `z K{pixkgev je Fgof{rrg qgv rdk cjpvrojck jev{pgefk filxgez ie Jebjge Vijo% Goo rdk jev{pgefk filxgejkv kvrg`ojvdkb

b{pjea rdgr xkpjib qkpk `pi{adr {x qjrd rdk x{pxivk ic oiinjea gcrkp rdk ekkbv icK{pixkge fill{ejrz geb Jebjge egrjskv qkpk eir `kjea jev{pkb `z rdkvk filxgejkv%Diqkskp/ ogrkp qjrd rdk kcciprv ic kljeker xkixok ojnk @g`{ L{rrzogo Vkgo/ rdkcipkjae ojck jev{pgefk filxgejkv vrgprkb jev{pjea Jebjge ojskv% @{r Jebjge ojskvqkpk `kjea rpkgrkb gv v{`,vrgebgpb ojskv geb dkgsz ktrpg xpklj{lv qkpk `kjeafdgpakb ie rdkl% @il`gz L{r{go Ojck Gvv{pgefk Vifjkrz dkpgobkb rdk `jprd ic cjpvrJebjge ojck jev{pgefk filxgez je rdk zkgp 7418/ geb fiskpkb Jebjge ojskv gr eiplgopgrkv% Vrgprjea gv Jebjge kerkpxpjvk qjrd djadoz xgrpjirjf lirjskv/ jev{pgefkfilxgejkv fglk jeri ktjvrkefk ri fgppz rdk lkvvgak ic jev{pgefk geb vifjgovkf{pjrz rdpi{ad jev{pgefk ri sgpji{v vkfripv ic vifjkrz% @dgpgr Jev{pgefk Filxgez$74:3* qgv govi iek ic v{fd filxgejkv jevxjpkb `z egrjiegojvl% Rdk Vqgbkvdj


4/119

lisklker ic 7:8;,7:81 agsk pjvk ri lipk jev{pgefk filxgejkv% Rdk [ejrkb Jebjg jeLgbpgv/ Egrjiego Jebjge geb Egrjiego Jev{pgefk je Fgof{rrg geb rdk Fi,ixkpgrjskGvv{pgefk gr Ogdipk qkpk kvrgòjvdkb je 7:83% Je 7:81/ Djeb{vrge Fi,ixkpgrjskJev{pgefk Filxgez riin jrv `jprd je iek ic rdk piilv ic rdk Mipgvgeni/ di{vk icrdk apkgr xikr Pg`jebpgegrd Rgaipk/ je Fgof{rrg% Rdk Jebjge Lkpfgerjok/ AkekpgoGvv{pgefk geb Vqgbkvdj Ojck $ogrkp @il`gz Ojck* qkpk vilk ic rdk filxgejkvkvrgòjvdkb b{pjea rdk vglk xkpjib% Xpjip ri 7:70 Jebjg dgb ei okajvogrjie ripka{ogrk jev{pgefk `{vjekvv% Je rdk zkgp 7:70/ rdk Ojck Jev{pgefk Filxgejkv Gfr/

geb rdk Xpisjbker C{eb Gfr qkpk xgvvkb% Rdk Ojck Jev{pgefk Filxgejkv Gfr/ 7:70lgbk jr ekfkvvgpz rdgr rdk xpklj{l pgrk rgòkv geb xkpjibjfgo sgo{grjiev icfilxgejkv vdi{ob `k fkprjcjkb `z ge gfr{gpz% @{r rdk Gfr bjvfpjljegrkb `krqkkecipkjae geb Jebjge filxgejkv ie lgez gffi{erv/ x{rrjea rdk Jebjge filxgejkv gr gbjvgbsgergak%

Rdk cjpvr rqi bkfgbkv ic rdk rqkerjkrd fker{pz vgq oir ic apiqrd je jev{pgefk`{vjekvv% Cpil 22 filxgejkv qjrd rirgo `{vjekvv,je,cipfk gv Pv%00%22 fpipk/ jrpivk ri 713 filxgejkv qjrd rirgo `{vjekvv,je,cipfk gv Pv%0:4 fpipk je 7:64% B{pjeardk l{vdpiiljea ic jev{pgefk filxgejkv lgez cjegefjgooz {evi{eb fiefkpev qkpk govicoigrkb qdjfd cgjokb ljvkpgòz% Rdk Jev{pgefk Gfr 7:64 qgv rdk cjpvr okajvogrjieaiskpejea eir ieoz ojck jev{pgefk `{r govi eie,ojck jev{pgefk ri xpisjbk vrpjfrvrgrk fierpio iskp jev{pgefk `{vjekvv% Rdk bklgeb cip egrjiegoj}grjie ic ojck

jev{pgefk jeb{vrpz qgv lgbk pkxkgrkboz je rdk xgvr `{r jr agrdkpkb lilker{l je7:22 qdke g `joo ri glkeb rdk Ojck Jev{pgefk Gfr 7:64 qgv jerpib{fkb je rdkOkajvogrjsk Gvvklòz% Diqkskp/ jr qgv l{fd ogrkp ie rdk 7:rd ic Mge{gpz/ 7:;3/rdgr ojck jev{pgefk je Jebjg qgv egrjiegoj}kb% Gì{r 7;2 Jebjge jev{pgefkfilxgejkv/ 73 eie,Jebjge filxgejkv geb 1; xpisjbker qkpk ixkpgrjea je Jebjg gr rdkrjlk ic egrjiegoj}grjie% Egrjiegoj}grjie qgv gffilxojvdkb je rqi vrgakv> jejrjgoozrdk lgegaklker ic rdk filxgejkv qgv rgnke iskp `z lkgev ic ge Ipbjegefk/ gebogrkp/ rdk iqekpvdjx rii `z lkgev ic g filxpkdkevjsk `joo% Rdk Xgpojglker ic Jebjgxgvvkb rdk Ojck Jev{pgefk Fipxipgrjie Gfr ie rdk 7:rd ic M{ek 7:;3/ geb rdk OjckJev{pgefk Fipxipgrjie ic Jebjg qgv fpkgrkb ie 7vr Vkxrkl`kp/ 7:;3/ qjrd rdki`mkfrjsk ic vxpkgbjea ojck jev{pgefk l{fd lipk qjbkoz geb je xgprjf{ogp ri rdkp{pgo gpkgv qjrd g sjkq ri pkgfd goo jev{pgòk xkpviev je rdk fi{erpz/ xpisjbjeardkl gbkw{grk cjegefjgo fiskp gr g pkgviegòk fivr%

OJF dgb ; }iego iccjfkv/ 66 bjsjvjiego iccjfkv geb 070 `pgefd iccjfkv/ gxgpr cpiljrv fipxipgrk iccjfk je rdk zkgp 7:;3% Vjefk ojck jev{pgefk fierpgfrv gpk oiearkpl fierpgfrv geb b{pjea rdk f{ppkefz ic rdk xiojfz jr pkw{jpkv g sgpjkrz icvkpsjfkv ekkb qgv ckor je rdk ogrkp zkgpv ri ktxgeb rdk ixkpgrjiev geb xogfk g`pgefd iccjfk gr kgfd bjvrpjfr dkgbw{gprkp% pk,ipagej}grjie ic OJF riin xogfk gebogpak e{l`kpv ic ekq `pgefd iccjfkv qkpk ixkekb% Gv g pkv{or ic pk,ipagejvgrjievkpsjfjea c{efrjiev qkpk rpgevckppkb ri rdk `pgefdkv/ geb `pgefdkv qkpk lgbkgffi{erjea {ejrv% Jr qipnkb qiebkpv qjrd rdk xkpciplgefk ic rdk fipxipgrjie% Jrlgz `k vkke rdgr cpil gì{r 088%88 fpipkv ic Ekq @{vjekvv je 7:;1 rdk fipxipgrjiefpivvkb 7888%88 fpipkv ieoz je rdk zkgp 7:3:,18/ geb jr riin geirdkp 78 zkgpv cipOJF ri fpivv 0888%88 fpipk lgpn ic ekq `{vjekvv% @{r qjrd pk,ipagejvgrjiedgxxkejea je rdk kgpoz kjadrjkv/ `z 7:4;,43 OJF dgb gopkgbz fpivvkb 1888%88 fpipkV{l Gvv{pkb ie ekq xiojfjkv%

Ribgz OJF c{efrjiev qjrd 0824 c{ooz filx{rkpj}kb `pgefd iccjfkv/ 788 bjsjvjiegoiccjfkv/ 1 }iego iccjfkv geb rdk Fipxipgrk iccjfk% OJFv Qjbk Gpkg Ekrqipn fiskpv788 bjsjvjiego iccjfkv geb fieekfrv goo rdk `pgefdkv rdpi{ad g Lkrpi Gpkg Ekrqipn%OJF dgv rjkb {x qjrd vilk @genv geb Vkpsjfk xpisjbkpv ri icckp ie,ojek xpklj{lfiookfrjie cgfjojrz je vkokfrkb fjrjkv% OJFv KFV geb GRL xpklj{l xgzlker cgfjojrzjv ge gbbjrjie ri f{vrilkp fieskejkefk% Gxgpr cpil ie,ojek Njivnv geb JSPV/ JeciFkerpkv dgsk `kke filljvvjiekb gr L{l`gj/ Gdlkbg`gb/ @geagoipk/ Fdkeegj/Dzbkpg`gb/ Niongrg/ Ekq Bkodj/ X{ek geb lgez irdkp fjrjkv% Qjrd g sjvjie icxpisjbjea kgvz gffkvv ri jrv xiojfzdiobkpv/ OJF dgv og{efdkb jrv VGRKOOJRK VGLXGPNiccjfkv% Rdk vgrkoojrk iccjfkv gpk vlgookp/ okgekp geb foivkp ri rdk f{vrilkp% Rdkbjajrgoj}kb pkfipbv ic rdk vgrkoojrk iccjfkv qjoo cgfjojrgrk gezqdkpk vkpsjfjea


5/119

geb lgez irdkp fieskejkefkv je rdk c{r{pk%OJF fierje{kv ri `k rdk biljeger ojck jev{pkp kske je rdk oj`kpgoj}kb vfkegpji icJebjge jev{pgefk geb jv lisjea cgvr ie g ekq apiqrd rpgmkfripz v{pxgvvjea jrv iqexgvr pkfipbv% OJF dgv jvv{kb iskp iek fpipk xiojfjkv b{pjea rdk f{ppker zkgp% Jrdgv fpivvkb rdk ljokvriek ic jvv{jea 7/87/60/:;; ekq xiojfjkv `z 7;rd Ifr/ 088;/xivrjea g dkgordz apiqrd pgrk ic 73%31+ iskp rdk fippkvxiebjea xkpjib ic rdkxpksji{v zkgp%Cpil rdke ri eiq/ OJF dgv fpivvkb lgez ljokvriekv geb dgv vkr {expkfkbkerkb

xkpciplgefk pkfipbv je sgpji{v gvxkfrv ic ojck jev{pgefk `{vjekvv% Rdk vglklirjskv qdjfd jevxjpkb i{p cipkcgrdkpv ri `pjea jev{pgefk jeri ktjvrkefk je rdjvfi{erpz jevxjpk {v gr OJF ri rgnk rdjv lkvvgak ic xpirkfrjie ri ojadr rdk oglxv icvkf{pjrz je gv lgez dilkv gv xivvjòk geb ri dkox rdk xkixok je xpisjbjea vkf{pjrzri rdkjp cgljojkv%

0%0*Vilk ic rdk jlxiprger ljokvriekv je rdk ojck jev{pgefk `{vjekvv je Jebjg gpk=7474= Ipjkergo Ojck Jev{pgefk Filxgez/ rdk cjpvr ojck jev{pgefk filxgez ie Jebjgevijo vrgprkb c{efrjiejea%7418= @il`gz L{r{go Ojck Gvv{pgefk Vifjkrz/ rdk cjpvr Jebjge ojck jev{pgefk

filxgez vrgprkb jrv `{vjekvv%7:70= Rdk Jebjge Ojck Gvv{pgefk Filxgejkv Gfr kegfrkb gv rdk cjpvr vrgr{rk ripka{ogrk rdk ojck jev{pgefk `{vjekvv%7:04= Rdk Jebjge Jev{pgefk Filxgejkv Gfr kegfrkb ri kegòk rdk aiskpelker rifiookfr vrgrjvrjfgo jeciplgrjie gì{r ìrd ojck geb eie,ojck jev{pgefk `{vjekvvkv%7:64= Kgpojkp okajvogrjie fieviojbgrkb geb glkebkb ri `z rdk Jev{pgefk Gfr qjrdrdk i`mkfrjsk ic xpirkfrjea rdk jerkpkvrv ic rdk jev{pjea x{òjf%7:;3= 02; Jebjge geb cipkjae jev{pkpv geb xpisjbker vifjkrjkv gpk rgnke iskp `zrdk fkerpgo aiskpelker geb egrjiegojvkb% OJF ciplkb `z ge Gfr ic Xgpojglker/ sj}%OJF Gfr/ 7:;3/ qjrd g fgxjrgo fierpj`{rjie ic Pv% ; fpipk cpil rdk Aiskpelker icJebjg%Rdk Akekpgo jev{pgefk `{vjekvv je Jebjg/ ie rdk irdkp dgeb/ fge rpgfk jrv piirv rirdk Rpjrie Jev{pgefk Filxgez Orb%/ rdk cjpvr akekpgo jev{pgefk filxgez kvrgòjvdkb

je rdk zkgp 74;8 je Fgof{rrg `z rdk @pjrjvd%

0%6*Vilk ic rdk jlxiprger ljokvriekv je rdk akekpgo jev{pgefk `{vjekvv je Jebjggpk=7:81= Rdk Jebjge Lkpfgerjok Jev{pgefk Orb% vkr {x/ rdk cjpvr filxgez ri rpgevgfrgoo fogvvkv ic akekpgo jev{pgefk `{vjekvv%7:;1= Akekpgo Jev{pgefk Fi{efjo/ g qjea ic rdk Jev{pgefk Gvvifjgrjie ic Jebjg/cpglkv g fibk ic fieb{fr cip kev{pjea cgjp fieb{fr geb vi{eb `{vjekvv xpgfrjfkv%7:34= Rdk Jev{pgefk Gfr glkebkb ri pka{ogrk jeskvrlkerv geb vkr ljejl{l vioskefzlgpajev geb rdk Rgpjcc Gbsjvipz Filljrrkk vkr {x%7:10= Rdk Akekpgo Jev{pgefk @{vjekvv $Egrjiegojvgrjie* Gfr/ 7:10 egrjiegojvkb rdkakekpgo jev{pgefk `{vjekvv je Jebjg qjrd kcckfr cpil 7vr Mge{gpz 7:16%

781 jev{pkpv glgoaglgrkb geb api{xkb jeri ci{p filxgejkv sj}%rdk EgrjiegoJev{pgefk Filxgez Orb%/ rdk Ekq Jebjg Gvv{pgefk Filxgez Orb%/rdkIpjkergo Jev{pgefk Filxgez Orb% geb rdk [ejrkb Jebjg Jev{pgefk FilxgezOrb% AJF jefipxipgrkb gv g filxgez%


6/119

0%2*I@MKFRJSK IC OJF

Vxpkgb Ojck Jev{pgefk qjbkoz geb je xgprjf{ogp ri rdk p{pgo gpkgv geb ri rdkvifjgooz geb kfieiljfgooz `gfnqgpb fogvvkv qjrd g sjkq ri pkgfdjea goo jev{pgòk

xkpviev je rdk fi{erpz geb xpisjbjea rdkl gbkw{grk cjegefjgo fiskp gagjevr bkgrdgr g pkgviegòk fivr% Lgtjlj}k li`joj}grjie ic xkixok!v vgsjeav `z lgnjea jev{pgefk,ojenkb vgsjeavgbkw{grkoz grrpgfrjsk% @kgp je ljeb/ je rdk jeskvrlker ic c{ebv/ rdk xpjlgpz iòjagrjie ri jrvxiojfzdiobkpv/ qdivk liekz jr diobv je rp{vr/ qjrdi{r oivjea vjadr ic rdk jerkpkvric rdk fill{ejrz gv g qdiok> rdk c{ebv ri `k bkxoizkb ri rdk `kvr gbsgergak ic rdkjeskvripv gv qkoo gv rdk fill{ejrz gv g qdiok/ nkkxjea je sjkq egrjiego xpjipjrjkvgeb iòjagrjiev ic grrpgfrjsk pkr{pe% Fieb{fr `{vjekvv qjrd {rlivr kfieilz geb qjrd rdk c{oo pkgoj}grjie rdgr rdkliekzv `koiea ri rdk xiojfzdiobkpv% Gfr gv rp{vrkkv ic rdk jev{pkb x{òjf je rdkjp jebjsjb{go geb fiookfrjskfgxgfjrjkv%

Lkkr rdk sgpji{v ojck jev{pgefk ekkbv ic rdk fill{ejrz rdgr qi{ob gpjvk jerdk fdgeajea vifjgo geb kfieiljf kesjpielker% Jesiosk goo xkixok qipnjea je rdk Fipxipgrjie ri rdk `kvr ic rdkjpfgxg`jojrz je c{prdkpjea rdk jerkpkvrv ic rdk jev{pkb x{òjf `z xpisjbjeakccjfjker vkpsjfk qjrd fi{prkvz% Xpilirk glieavr goo gakerv geb klxoizkkv ic rdk Fipxipgrjie g vkevk icxgprjfjxgrjie/ xpjbk geb mi` vgrjvcgfrjie rdpi{ad bjvfdgpak ic rdkjp b{rjkv qjrdbkbjfgrjie riqgpbv gfdjksklker ic Fipxipgrk I`mkfrjsk%

0%;*LJVVJIE)SJVJIE0%;%7*Ljvvjie"Ktxoipk geb kedgefk rdk w{gojrz ic ojck ic xkixok rdpi{ad cjegefjgo vkf{pjrz `zxpisjbjea xpib{frv geb vkpsjfkv ic gvxjpkb grrpj`{rkv qjrd filxkrjrjsk pkr{pev/geb `z pkebkpjea pkvi{pfkv cip kfieiljf bkskoixlker%"0%;%0*Sjvjie"G rpgev,egrjiegooz filxkrjrjsk cjegefjgo fieaoilkpgrk ic vjaejcjfgefk ri


7/119

vifjkrjkv geb Xpjbk ic Jebjg%"

0%3*@IPB IC BJPKFRIPVLkl`kpv Ie Rdk @igpb Ic Rdk FipxipgrjieVdpj% R%V% Sjmgzge $Fdgjplge*

Vdpj% B%N% Lkdpirpg $Lgegajea Bjpkfrip , OJF*

Vdpj% Rdilgv Lgrdkq R% $Lgegajea Bjpkfrip , OJF*

Vdpj% G%N% Bgva{xrg $Lgegajea Bjpkfrip , OJF*

Vdpj% Gvdin Fdgqog $Cjegefk Vkfpkrgpz/ Ljejvrpz ic Cjegefk/ Aisr% ic Jebjg*Vdpj% A%F% Fdgr{pskbj $Gbbjrjiego Vkfpkrgpz/ Bkxgprlker ic Cjegefjgo Vkpsjfkv/Ljejvrpz ic Cjegefk/ Aisr% ic Jebjg%*Vdpj% Ziakvd Oidjzg $Fdgjplge f{l Lgegajea Bjpkfrip/ AJF ic Jebjg*

Bp% Viipgegb Pgmgvdkndpge Vdpj% Liejv P% Njbqgj

0%1*Qk Ixkpgrk Goo Iskp Jebjg

6%7*NEIQ G@I[R ZI[P OJCK JEV[PGEFKVOjck jev{pgefk je Jebjg lgbk jrv bk`{r qkoo iskp 788 zkgpv gai%

Je i{p fi{erpz/ qdjfd jv iek ic rdk livr xix{ogrkb je rdk qipob/ rdk xpiljekefk icjev{pgefk jv eir gv qjbkoz {ebkpvriib/ gv jr i{adr ri `k% Qdgr ciooiqv jv gegrrklxr ri gfw{gjer pkgbkpv qjrd vilk ic rdk fiefkxrv ic ojck jev{pgefk/ qjrd

vxkfjgo pkckpkefk ri OJF%

Jr vdi{ob/ diqkskp/ `k fokgpoz {ebkpvriib rdgr rdk ciooiqjea fierker jv `z eilkgev ge ktdg{vrjsk bkvfpjxrjie ic rdk rkplv geb fiebjrjiev ic ge OJF xiojfz ipjrv `kekcjrv ip xpjsjokakv%

Cip lipk bkrgjov/ xokgvk fiergfr i{p `pgefd ip bjsjvjiego iccjfk% Gez OJF Gakerqjoo `k aogb ri dkox zi{ fdiivk rdk ojck jev{pgefk xoge ri lkkr zi{p ekkbv gebpkebkp xiojfz vkpsjfjea%

6%0*Qdgr Jv Ojck Jev{pgefk9


8/119

Ojck jev{pgefk jv g fierpgfr rdgr xokbakv xgzlker ic ge gli{er ri rdk xkpviegvv{pkb $ip djv eiljekk* ie rdk dgxxkejea ic rdk ksker jev{pkb gagjevr%

Rdk fierpgfr jv sgojb cip xgzlker ic rdk jev{pkb gli{er b{pjea= Rdk bgrk ic lgr{pjrz/ ip Vxkfjcjkb bgrkv gr xkpjibjf jerkpsgov/ ip [ecipr{egrk bkgrd/ jc jr iff{pv kgpojkp%

Gliea irdkp rdjeav/ rdk fierpgfr govi xpisjbkv cip rdk xgzlker ic xpklj{lxkpjibjfgooz ri rdk Fipxipgrjie `z rdk xiojfzdiobkp% Ojck jev{pgefk jv {ejskpvgoozgfneiqokbakb ri `k ge jevrjr{rjie/ qdjfd kojljegrkv !pjvn!/ v{`vrjr{rjea fkprgjerzcip {efkprgjerz geb filkv ri rdk rjlkoz gjb ic rdk cgljoz je rdk {ecipr{egrk kskeric bkgrd ic rdk `pkgbqjeekp%@z geb ogpak/ ojck jev{pgefk jv fjsjojvgrjie!v xgprjgo vio{rjie ri rdk xpiòklvfg{vkb `z bkgrd% Ojck jev{pgefk/ je vdipr/ jv fiefkpekb qjrd rqi dg}gpbv rdgrvrgeb gfpivv rdk ojck,xgrd ic kskpz xkpvie=7% Rdgr ic bzjea xpklgr{pkoz okgsjea g bkxkebker cgljoz ri ckeb cip jrvkoc%0% Rdgr ic ojsjea rjoo iob gak qjrdi{r sjvjòk lkgev ic v{xxipr%

6%6*Ojck Jev{pgefk Sv% Irdkp Vgsjeav6%6%7*Fierpgfr Ic Jev{pgefk=

G fierpgfr ic jev{pgefk jv g fierpgfr ic {rlivr aiib cgjrd rkfdejfgooz neiqe gv{`kppjlg cjbkv% Rdk bifrpjek ic bjvfoivjea goo lgrkpjgo cgfrv jv klìbjkb je rdjvjlxiprger xpjefjxok/ qdjfd gxxojkv ri goo ciplv ic jev{pgefk%

Gr rdk rjlk ic rgnjea g xiojfz/ xiojfzdiobkp vdi{ob kev{pk rdgr goo w{kvrjiev jerdk xpixivgo cipl gpk fippkfroz gevqkpkb% Gez ljvpkxpkvkergrjie/ eie,bjvfoiv{pk ipcpg{b je gez bif{lker okgbjea ri rdk gffkxrgefk ic rdk pjvn qi{ob pkebkp rdkjev{pgefk fierpgfr e{oo geb sijb%6%6%7*Xpirkfrjie=Vgsjeav rdpi{ad ojck jev{pgefk a{gpgerkk c{oo xpirkfrjie gagjevr pjvn ic bkgrd icrdk vgskp% Govi/ je fgvk ic bkljvk/ ojck jev{pgefk gvv{pkv xgzlker ic rdk kerjpkgli{er gvv{pkb $qjrd ìe{vkv qdkpkskp gxxojfgòk* qdkpkgv je irdkp vgsjeavvfdklkv/ ieoz rdk gli{er vgskb $qjrd jerkpkvr* jv xgzgòk%

6%6%6*Gjb Ri Rdpjcr=Ojck jev{pgefk kefi{pgakv !rdpjcr!% Jr gooiqv oiea,rkpl vgsjeav vjefk xgzlkerv fge`k lgbk kcciprokvvoz `kfg{vk ic rdk !kgvz jevrgolker! cgfjojrz `{jor jeri rdkvfdklk% $Xpklj{l xgzlker cip jev{pgefk jv kjrdkp lierdoz/ w{gprkpoz/ dgoc zkgpozip zkgpoz*%Cip ktglxok= Rdk Vgogpz Vgsjea Vfdklk xix{ogpoz neiqe gv VVV/ xpisjbkv gfieskejker lkrdib ic xgzjea xpklj{l kgfd lierd `z bkb{frjie cpil iek!v vgogpz%Je rdjv fgvk rdk klxoizkp bjpkfroz xgzv rdk bkb{frkb xpklj{l ri OJF% Rdk VgogpzVgsjea Vfdklk jv jbkgo cip gez jevrjr{rjie ip kvrgòjvdlker v{`mkfr ri vxkfjcjkbrkplv geb fiebjrjiev%

6%6%2*Ojw{jbjrz=

Je fgvk ic jev{pgefk/ jr jv kgvz ri gfw{jpk oigev ie rdk viok vkf{pjrz ic gezxiojfz rdgr dgv gfw{jpkb oige sgo{k% @kvjbkv/ g ojck jev{pgefk xiojfz jv goviakekpgooz gffkxrkb gv vkf{pjrz/ kske cip g fillkpfjgo oige%

6%6%;*Rgt Pkojkc=Ojck Jev{pgefk jv rdk `kvr qgz ri kemiz rgt bkb{frjiev ie jefilk rgt geb qkgordrgt% Rdjv jv gsgjogòk cip gli{erv xgjb `z qgz ic xpklj{l cip ojck jev{pgefkv{`mkfr ri jefilk rgt pgrkv je cipfk%Gvvkvvkkv fge govi gsgjo ic xpisjvjiev je rdk ogq cip rgt pkojkc% Je v{fd fgvkvrdk gvv{pkb je kcckfr xgzv g oiqkp xpklj{l cip jev{pgefk rdge irdkpqjvk%


9/119

6%6%3*Liekz Qdke Zi{ Ekkb Jr=G xiojfz rdgr dgv g v{jrgòk jev{pgefk xoge ip g fil`jegrjie ic bjcckpker xogevfge `k kcckfrjskoz {vkb ri lkkr fkprgje liekrgpz ekkbv rdgr lgz gpjvk cpil rjlk,ri,rjlk%Fdjobpke!v kb{fgrjie/ vrgpr,je,ojck ip lgppjgak xpisjvjie ip kske xkpjibjfgo ekkbvcip fgvd iskp g vrpkrfd ic rjlk fge `k okvv vrpkvvc{o qjrd rdk dkox ic rdkvkxiojfjkv%Gorkpegrjskoz/ xiojfz liekz fge `k lgbk gsgjogòk gr rdk rjlk ic iek!v pkrjpklker

cpil vkpsjfk geb {vkb cip gez vxkfjcjf x{pxivk/ v{fd gv/ x{pfdgvk ic g di{vk ipcip irdkp jeskvrlkerv% Govi/ oigev gpk apgerkb ri xiojfzdiobkpv cip di{vk `{jobjeaip cip x{pfdgvk ic cogrv $v{`mkfr ri fkprgje fiebjrjiev*%

6%6%1*Qdi Fge @{z G Xiojfz9

Gez xkpvie qdi dgv grrgjekb lgmipjrz geb jv kojajòk ri kerkp jeri g sgojbfierpgfr fge jev{pk djlvkoc)dkpvkoc geb rdivk je qdil dk)vdk dgv jev{pgòkjerkpkvr%

Xiojfjkv fge govi `k rgnke/ v{`mkfr ri fkprgje fiebjrjiev/ ie rdk ojck ic iek!vvxi{vk ip fdjobpke% Qdjok {ebkpqpjrjea xpixivgov/ fkprgje cgfripv v{fd gv rdkxiojfzdiobkpv vrgrk ic dkgord/ rdk xpixieker!v jefilk geb irdkp pkoksger cgfripv

gpk fievjbkpkb `z rdk Fipxipgrjie%

6%6%4*Jev{pgefk Cip Qilke

Xpjip ri egrjiegojvgrjie $7:;3*/ lgez xpjsgrk jev{pgefk filxgejkv qi{ob icckpjev{pgefk ri cklgok ojskv qjrd vilk ktrpg xpklj{l ip ie pkvrpjfrjsk fiebjrjiev%Diqkskp/ gcrkp egrjiegojvgrjie ic ojck jev{pgefk/ rdk rkplv {ebkp qdjfd ojckjev{pgefk jv apgerkb ri cklgok ojskv dgsk `kke pksjkqkb cpil rjlk,ri,rjlk%

Gr xpkvker/ qilke qdi qipn geb kgpe ge jefilk gpk rpkgrkb gr xgp qjrd lke% Jeirdkp fgvkv/ g pkvrpjfrjsk fog{vk jv jlxivkb/ ieoz jc rdk gak ic rdk cklgok jv {xri 68 zkgpv geb jc vdk bikv eir dgsk ge jefilk grrpgfrjea Jefilk Rgt%

6%6%:*Lkbjfgo Geb Eie,Lkbjfgo Vfdklkv

Ojck jev{pgefk jv eiplgooz icckpkb gcrkp g lkbjfgo ktgljegrjie ic rdk ojck ri `kgvv{pkb% Diqkskp/ ri cgfjojrgrk apkgrkp vxpkgb ic jev{pgefk geb govi ri gsijbjefieskejkefk/ OJF dgv `kke ktrkebjea jev{pgefk fiskp qjrdi{r gez lkbjfgoktgljegrjie/ v{`mkfr ri fkprgje fiebjrjiev%6%6%78*Qjrd Xpicjr Geb Qjrdi{r Xpicjr Xogev

Ge jev{pgefk xiojfz fge `k !qjrd! ip !qjrdi{r! xpicjr% Je rdk ciplkp/ ìe{vkvbjvfoivkb/ jc gez/ gcrkp xkpjibjfgo sgo{grjiev gpk gooirrkb ri rdk xiojfz geb gpkxgzgòk goiea qjrd rdk fierpgfrkb gli{er%

Je !qjrdi{r! xpicjr xoge rdk fierpgfrkb gli{er jv xgjb qjrdi{r gez gbbjrjie% Rdk

xpklj{l pgrk fdgpakb cip g !qjrd! xpicjr xiojfz jv rdkpkcipk djadkp rdge cip g!qjrdi{r! xpicjr xiojfz%

6%6%77*Nkzlge Jev{pgefk

Nkzlge jev{pgefk jv rgnke `z g `{vjekvv cjpl ie rdk ojck ic nkz klxoizkk$v* rixpirkfr rdk cjpl gagjevr cjegefjgo oivvkv/ qdjfd lgz iff{p b{k ri rdk xpklgr{pkbkljvk ic rdk Nkzlge%


10/119

JEV[PGEFK XOGEVGv jebjsjb{gov jr jv jedkpker ri bjcckp% Kgfd jebjsjb{go9v jev{pgefk ekkbv geb

pkw{jpklkerv gpk bjcckpker cpil rdgr ic rdk irdkpv% OJF9v Jev{pgefk Xogev gpkxiojfjkv rdgr rgon ri zi{ jebjsjb{gooz geb ajsk zi{ rdk livr v{jrg`ok ixrjiev rdgrfge cjr zi{p pkw{jpklker%

Mkksge Ge{pgaNilgo Mkksge

FBG Kebiqlker Skvrjea Gr 07

Lgppjgak Kebiqlker IpKb{fgrjiego Gee{jrz Xoge

FBG Kebiqlker Skvrjea Gr 74

Mkksge NjvdipkMkksge Fddgzg

Fdjob Fgpkkp XogeFdjob C{r{pk Xoge

Fdjob Cipr{ek Xo{v

Mkksge Ggbdgp

Mkksge Sjvdqgv


11/119

Rdk Kebiqlker Gvv{pgefk Xiojfz

Rdk Kebiqlker Gvv{pgefk Xiojfz,Ojljrkb Xgzlker

Mkksge Ljrpg$Bi{`ok Fiskp Kebiqlker Xoge*

Mkksge Ljrpg$Rpjxok Fiskp Kebiqlker Xoge*

Mkksge Gegeb

Ekq Mgegpgnvdg Xoge

Mkksge Glpjr

Mkksge Vdpkk,J

Mkksge Xpgl{nd

Rdk Liekz @gfn Xiojfz,08 Zkgpv

Rdk Liekz @gfn Xiojfz,0; Zkgpv

Mkksge V{pg`dj,7; Zkgpv

Mkksge V{pg`dj,08 Zkgpv

Mkksge V{pg`dj,0; Zkgpv

@jlg @gfdgr


12/119

Mkksge @dgpgrj , J

Rdk Qdiok Ojck Xiojfz

Rdk Qdiok Ojck Xiojfz, Ojljrkb Xgzlker

Rdk Qdiok Ojck Xiojfz, Vjeaok Xpklj{l

Mkksge Gegeb

Mkksge Rgpgea

Rqi Zkgp Rklxipgpz Gvv{pgefk Xiojfz

Rdk Fieskprj`ok Rkpl Gvv{pgefk Xiojfz

Gelio Mkksge,J

Gl{ozg Mkksge,J

Mkksge Vggrdj Xo{v

Mkksge Vggrdj


13/119

Mkksge @dgpgrj , J

CKGR[PKV=,Jerpib{frjie

OJFv Mkksge @dgpgrj,J jv g xoge ktfo{vjskoz cip qilke% Jr jv g qjrd xpicjr xogedgsjea vxkfjgo ckgr{pkv fievjbkpjea rdk ekkbv ic qilke% Rdk xoge govi xpisjbkv cipGffjbker @kekcjr/ Fpjrjfgo Jooekvv @kekcjr geb Fieakejrgo Bjvg`jojrz @kekcjr gvixrjiego Pjbkpv

7% VXKFJGO CKGR[PKV

7% Kefgvdlker ic V{psjsgo @kekcjr gv geb qdke ekkbkb=Rdk xiojfzdiobkp gr dkp ixrjie lgz gsgjo rdk v{psjsgo `kekcjr gez rjlk ie ip gcrkpjrv b{k bgrk% Jc ixrkb ri gsgjo ogrkp/ jefpkgvkb v{psjsgo `kekcjr gr rdk pgrkbkfjbkb `z rdk fipxipgrjie cpil rjlk ri rjlk qjoo `k xgzgòk%

0% Coktj`jojrz ri xgz xpklj{lv je gbsgefk=

Rdk libk ic xpklj{l xgzlker jv ieoz zkgpoz {ebkp rdjv xoge% Diqkskp/ xiojfzdiobkplgz xgz rdk ektr zkgpoz xpklj{l je gbsgefk je jevrgolkerv $lgtjl{l {xri 6jevrgolkerv* b{pjea rdk zkgp% Jc xpklj{lv gpk xgjb je gbsgefk g xpklj{l pk`grk lgz`k gooiqkb gv lgz `k bkfjbkb `z rdk Fipxipgrjie cpil rjlk ri rjlk

6% Ixrjie ri pkfkjsk lgr{pjrz xpifkkbv je rdk cipl ic ge gee{jrz= =Rdk xiojfzdiobkp vdgoo dgsk rdk ixrjie ri pkfkjsk rdk lgr{pjrz xpifkkbv je rdkcipl ic gee{jrz% Rdk pgrk ic gee{jrz qjoo `k `gvkb ie rdk gee{jrz pgrkv xpksgokergr rdk rjlk ic vrjx{ogrkb Bgrk ic Lgr{pjrz%

2% G{ri Fiskp==Gcrkp rqi zkgpv xpklj{lv dgsk `kke xgjb/ qdkekskp xpklj{l xgzlker jv bjvfierje{kb/rdk ojck fiskp cip c{oo v{l gvv{pkb qjoo fierje{k cip 6 zkgpv cpil rdk b{k bgrk ic

cjpvr {exgjb xpklj{l%

Jc bkgrd iff{pv b{pjea rdk G{ri Fiskp xkpjib/ rdke bkgrd `kekcjr gcrkp bkb{frjea{exgjb xpklj{lv/ qjrd jerkpkvr jv xgzgòk goiea qjrd rdk skvrkb ìe{v/ jc gez%

0% IXRJIEGO PJBKPV=Rdk ciooiqjea pjbkpv gpk gsgjogòk {ebkp rdjv xoge=

G% FPJRJFGO JOOEKVV $FJ* PJBKP =Ge gli{er kw{go ri rdk Fpjrjfgo Jooekvv Pjbkp V{l Gvv{pkb qjoo `k xgzgòk je fgvkic bjgaeivjv ic bkcjekb fgrkaipjkv ic fpjrjfgo jooekvvkv% G xkpvie jv kojajòk ciprdjv `kekcjr {xri g lgtjl{l gak ic 38 zkgpv `{r v{`mkfr ri g lgtjl{l ic rdk xiojfz

rkpl% Rdjv `kekcjr fge `k gsgjokb cip g ljejl{l V{l ic Pv ;8888 geb cip g lgtjl{lV{l kw{go ri rdk V{l gvv{pkb {ebkp rdk `gvjf xoge v{`mkfr ri rdk lgtjl{l ic Pv ;ognd iskpgoo ojljr rgnjea goo fpjrjfgo jooekvv pjbkpv {ebkp goo ktjvrjea xiojfjkvic rdk Ojck Gvv{pkb%$Cip bkrgjov pkckp rdk vgokv `pifd{pk ic Fpjrjfgo Jooekvv pjbkp*

@% GFFJBKER @KEKCJR PJBKP=Ge gbbjrjiego gli{er kw{go ri rdk Gffjbker @kekcjr Pjbkp V{l Gvv{pkb jv xgzgòk{xie bkgrd ip rirgo geb xkplgeker bjvg`jojrz b{k ri gffjbker b{pjea rdk xiojfzrkpl%Rdjv `kekcjr fge `k gsgjokb cip g ljejl{l v{l ic Pv ;8888 geb cip g lgtjl{l v{l


14/119

kw{go ri rdk V{l Gvv{pkb {ebkp rdk @gvjf Xoge v{`mkfr ri rdk lgtjl{l ic Pv%;8ogndv%

F% FIEAKEJRGO BJVG@JOJRJKV @KEKCJR $FB@* PJBKP=Rdjv pjbkp fge `k ixrkb cip `z g cklgok `krqkke rdk gakv ic 74zpv geb 6; zkgpv%Ge gli{er kw{go ri ;8+ ic rdk FB@ V{l Gvv{pkb jv xgzgòk jc rdk Ojck Gvv{pkbajskv `jprd ri g fdjob qjrd vxkfjcjkb fieakejrgo bjvg`jojrjkv% Rdjv `kekcjr jvgsgjogòk cip g lgtjl{l ic rqi v{fd fdjobpke geb rdjv `kekcjr fkgvkv gr rdk gak ic

28 zkgpv%Rdjv `kekcjr fge `k gsgjokb cip g ljejl{l V{l ic Pv ;8888 geb g lgtjl{l v{l ic Pv;88888%$Cip bkrgjov pkckp rdk vgokv `pifd{pk ic Fieakejrgo Bjvg`jojrz @kekcjr Pjbkp*

6% KOJAJ@JOJRZ FIEBJRJIEV $Cip @gvjf Xoge*=Ljejl{l gak gr kerpz = 74 zkgpv $filxokrkb*Lgtjl{l gak gr kerpz = ;; zkgpv $ekgpkvr `jprdbgz*Lgtjl{l gak gr lgr{pjrz = 18 zkgpv $ekgpkvr `jprdbgz*Xiojfz rkpl = 7; geb 08 zkgpvLjejl{l V{l Gvv{pkb = Pv% ;8/888),

Lgtjl{l V{l Gvv{pkb = Pv% 0;/88/888),$V{l Gvv{pkb vdgoo `k je l{orjxokv ic Pv%;/888),*2% VGLXOK XPKLJ[L PGRKV CIP @GVJF XOGE =Rg`{ogp Gee{go Xpklj{l xkp 7888 VGGAK)RKPL 7; 0808 1:%6; 36%:80; 1:%2; 32%7868 1:%18 32%;;6; 48%0; 3;%2;63 48%2; 3;%1861 48%38 33%8828 47%6; 31%882; 46%7; 3:%;8

;8 43%8; 16%;8;% DJAD V[L GVV[PKB PK@GRKV=V{l Gvv{pkb $je Pv* Pk`grk xkp rdi{vgeb V{l Gvv{pkb7/88/888 ri 2/ ::/::: Pv 0%88;/ 88/888 geb gìsk Pv 2%883% OIGE=Oige jv gsgjogòk {ebkp rdk xoge gcrkp rdk xiojfz gfw{jpkv xgjb,{x sgo{k%1% APGFK XKPJIB=G apgfk xkpjib ic iek,lierd `{r eir okvv rdge 68 bgzv qjoo `k gooiqkb cip xgzlkeric xpklj{l %4% PKSJSGO=G% PKSJSGO B[PJEA RDK G[RI FISKP XKPJIB=$j* Jc Fpjrjfgo Jooekvv Pjbkp jv eir ixrkb cip=

B{pjea rdk G{ri Fiskp Xkpjib/ rdk Ojck Gvv{pkb fge xgz iek ip lipk jevrgolkerv icxpklj{lv qjrd jerkpkvr qjrdi{r v{`ljvvjie ic gez ksjbkefk ic dkgord% Ie xgzlker icxgpr ip c{oo gppkgpv ic xpklj{lv qjrd jerkpkvr/ rdk G{ri Fiskp Xkpjib ic 6 zkgpvcpil rdk b{k bgrk ic ekq C[X vdgoo gagje `k gsgjogòk b{pjea rdk rkpl ic rdkXiojfz%

Jc gez v{psjsgo `kekcjr cgoov b{k b{pjea rdk gìsk 6,zkgp g{ri fiskp xkpjib rdkvglk qjoo `k xgjb gcrkp bkb{frjie ic {exgjb xpklj{lv qjrd jerkpkvr {erjo rdk b{kbgrk ic rdk v{psjsgo `kekcjr/ xpisjbkb jr jv lipk rdge rdk {exgjb xpklj{lv qjrdjerkpkvr% Jc rdk v{psjsgo `kekcjr jv jev{ccjfjker ri fiskp rdk gppkgpv ic xpklj{lvqjrd jerkpkvr {x ri rdk b{k bgrk ic v{fd v{psjsgo `kekcjr/ rdke rdk v{psjsgo


15/119

`kekcjr qjoo `k xgzgòk ieoz ie xgzlker ic v{fd gppkgpv ic xpklj{lv qjrdjerkpkvr / b{pjea rdk xkpjib ic rdk gcipkvgjb 6 zkgpv ip ie pksjsgo ic rdk xiojfzrdkpkgcrkp%$jj* Jc Fpjrjfgo Jooekvv Pjbkp jv ixrkb cip=B{pjea rdk g{ri fiskp xkpjib/ rdk xiojfz fge `k pksjskb `z xgzlker ic c{oo gppkgpvic xpklj{l riakrdkp qjrd jerkpkvr geb v{`mkfr ri v{`ljvvjie ic xpiic ic fierje{kbjev{pg`jojrz ic rdk Ojck Gvv{pkb ri rdk vgrjvcgfrjie ic rdk Fipxipgrjie% RdkFipxipgrjie pkvkpskv rdk pjadr ri gffkxr gr ipjajego rkplv/ gffkxr gr pksjvkb

rkplv ip bkfojek rdk pksjsgo ic rdk xiojfz% Rdk pksjsgo ic rdk xiojfz vdgoo rgnkkcckfr ieoz gcrkp rdk vglk jv gxxpiskb `z rdk Fipxipgrjie geb jv vxkfjcjfgoozfill{ejfgrkb ri rdk Ojck Gvv{pkb%Jc gez v{psjsgo `kekcjr cgoov b{k b{pjea rdk gìsk 6,zkgp g{ri fiskp xkpjib rdkvglk qjoo `k xgjb ieoz gcrkp pksjsgo ic rdk xiojfz gv vrgrkb gìsk%

@% PKSJSGO IRDKP RDGE B[PJEA G[RI FISKP XKPJIB =Jc rdk Xiojfz dgv ogxvkb/ geb rdk xiojfz jv eir {ebkp rdk xkpjib ic g{ri fiskp/rdk xiojfz fge `k pksjskb qjrdje g xkpjib ic ; zkgpv cpil rdk bgrk ic cjpvr {exgjbxpklj{l geb `kcipk rdk bgrk ic lgr{pjrz `z xgzlker ic c{oo gppkgpv ic xpklj{lriakrdkp qjrd jerkpkvr geb v{`mkfr ri v{`ljvvjie ic xpiic ic fierje{kbjev{pg`jojrz ic rdk Ojck Gvv{pkb ri rdk vgrjvcgfrjie ic rdk Fipxipgrjie% RdkFipxipgrjie pkvkpskv rdk pjadr ri gffkxr gr ipjajego rkplv/ gffkxr gr pksjvkb

rkplv ip bkfojek rdk pksjsgo ic g bjvfierje{kb xiojfz% Rdk pksjsgo ic bjvfierje{kbxiojfz vdgoo rgnk kcckfr ieoz gcrkp rdk vglk jv gxxpiskb `z rdk Fipxipgrjie geb jvvxkfjcjfgooz fill{ejfgrkb ri rdk Ojck Gvv{pkb%Rdk Pjbkp)v vdgoo `k pksjskb goiea qjrd rdk @gvjf xoge geb eir je jviogrjie%:% XGJB [X SGO[K=Jc gcrkp gr okgvr rdpkk c{oo zkgpv xpklj{lv dgsk `kke xgjb geb gez v{`vkw{kerxpklj{l eir xgjb/ rdjv xiojfz vdgoo eir `k qdiooz sijb gcrkp rdk ktxjpz ic rdpkkzkgpv G{ri Fiskp Xkpjib /`{r vdgoo fierje{k gv g xgjb {x xiojfz% Rdk V{l Gvv{pkbic rdk xiojfz vdgoo `k pkb{fkb je rdk vglk xpixiprjie gv rdk e{l`kp ic xpklj{lvgfr{gooz xgjb `kgpv ri rdk rirgo e{l`kp ic xpklj{lv vrjx{ogrkb cip je rdk xiojfz /okvv gez v{psjsgo `kekcjr xgjb% Rdjv pkb{fkb V{l jv fgookb rdk xgjb {x sgo{k%

Rdk xiojfz rdkpkgcrkp vdgoo `k cpkk cpil goo ojg`jojrjkv cip xgzlker ic rdk

xpklj{lv/ `{r vdgoo eir `k kerjrokb ri rdk c{r{pk ìe{vkv% Rdk ktjvrjea skvrkbpkskpvjiegpz ìe{vkv/ jc gez/ qjoo pklgje grrgfdkb ri rdk pkb{fkb xgjb,{x Xiojfz%Rdjv xgjb {x sgo{k vdgoo `k xgzgòk ie rdk bgrk ic lgr{pjrz ip gr Ojck Gvv{pkbvxpjip bkgrd% Ei v{psjsgo `kekcjr vdgoo `k xgzgòk {ebkp xgjb {x xiojfjkv%Rdk pjbkp `kekcjrv qjoo fkgvk ri gxxoz jc rdk xiojfz jv je ogxvkb fiebjrjie gebqjoo eir gfw{jpk gez xgjb {x sgo{k%78% V[PPKEBKP SGO[K=Rdk A{gpgerkkb V{ppkebkp sgo{k qjoo `k gsgjogòk gcrkp rdk ktxjpz ic 6 xiojfzzkgpv xpisjbkb rdk xpklj{lv dgsk `kke xgjb cip gr okgvr rdpkk zkgpv% RdkA{gpgerkkb V{ppkebkp Sgo{k jv kw{go ri 68+ ic rdk rirgo gli{er ic xpklj{lv xgjbktfo{bjea rdk xpklj{lv xgjb cip rdk cjpvr zkgp/ gez xpklj{lv xgjb riqgpbv pjbkpv/goo ktrpg xpklj{lv rdgr lgz dgsk `kke xgjb okvv rdk gli{er ic v{psjsgo `kekcjrvxgjb kgpojkp% Rdk fgvd sgo{k ic gez ktjvrjea ìe{vkv/ jc /gez qjoo govi `k xgjb %

Fipxipgrjie lgz/ diqkskp/ xgz vxkfjgo v{ppkebkp sgo{k gv rdk bjvfi{erkb sgo{k icXgjb {x v{l gvv{pkb geb skvrkb ìe{v/ jc gez/ gv gxxojfgòk ie bgrk ic v{ppkebkp/xpisjbkb rdk vglk jv djadkp rdge a{gpgerkkb v{ppkebkp sgo{k%77% KTFO[VJIEV=V{jfjbk= Rdjv xiojfz vdgoo `k sijb jc rdk Ojck Gvv{pkb filljrv v{jfjbk $qdkrdkpvgek ip jevgek gr rdgr rjlk* gr gez rjlk ie ip gcrkp rdk bgrk ie qdjfd rdk pjvn{ebkp rdk xiojfz dgv fillkefkb `{r `kcipk rdk ktxjpz ic iek zkgp cpil rdk bgrk icfillkefklker ic pjvn {ebkp rdk xiojfz geb rdk Fipxipgrjie qjoo eir kerkprgje gezfogjl `z sjpr{k ic rdjv xiojfz ktfkxr ri rdk ktrker ic g rdjpb xgprzv ìegcjbk`kekcjfjgo jerkpkvr gfw{jpkb je rdk xiojfz cip sgo{gòk fievjbkpgrjie ic qdjfdeirjfk dgv `kke ajske je qpjrjea ri rdk `pgefd qdkpk rdk Xiojfz jv `kjea xpkvkeroz


16/119

vkpsjfkb $qdkpk rdk xiojfz pkfipbv gpk nkxr*/ gr okgvr iek fgokebgp lierd xpjip ribkgrd%70% FIIOJEA ICC XKPJIB=Jc zi{ gpk eir vgrjvcjkb qjrd rdk Rkplv geb Fiebjrjiev ic rdk xiojfz/ zi{ lgzpkr{pe rdk xiojfz ri {v qjrdje 7; bgzv%

@KEKCJRV

G% V{psjsgo @kekcjrv=Ie V{psjsgo rdk ciooiqjea `kekcjrv gpk xgzgòk=

Cip 7; Zkgpv Rkpl08+ ic rdk V{l Gvv{pkb xgzgòk gr rdk keb ic ; zkgpv%08+ ic rdk V{l Gvv{pkb xgzgòk gr rdk keb ic 78 zkgpv%38+ ic rdk V{l Gvv{pkb xgzgòk riakrdkp qjrd skvrkb ìe{v/ geb Cjego Gbbjrjiego@ie{v/ jc gez/ gr rdk keb ic 7; zkgpv%

Cip 08 Zkgpv Rkpl08+ ic rdk V{l Gvv{pkb xgzgòk gr rdk keb ic ; zkgpv%08+ ic rdk V{l Gvv{pkb xgzgòk gr rdk keb ic 78 zkgpv%

08+ ic rdk V{l Gvv{pkb xgzgòk gr rdk keb ic 7; zkgpv%28+ ic rdk V{l Gvv{pkb xgzgòk riakrdkp qjrd skvrkb ìe{v geb Cjego Gbbjrjiego@ie{v/ jc gez gr rdk keb ic 08 zkgpv%@% Bkgrd @kekcjr=Je fgvk ic bkgrd ic rdk ojck gvv{pkb b{pjea rdk xiojfz rkpl/ rdk c{oo v{l gvv{pkbjv xgzgòk jppkvxkfrjsk ic rdk v{psjsgo `kekcjrv xgjb kgpojkp% Rdk skvrkb ìe{vkvgeb Cjego Gbbjrjiego @ie{v/ jc gez gpk govi xgzgòk%@KEKCJR JOO[VRPGRJIEVrgr{ripz qgpejea=Vilk `kekcjrv gpk a{gpgerkkb geb vilk `kekcjrv gpk sgpjgòk qjrd pkr{pev `gvkb ierdk c{r{pk xkpciplgefk ic zi{p Jev{pkp fgppzjea ie ojck jev{pgefk `{vjekvv% Jczi{p xiojfz icckpv a{gpgerkkb pkr{pev rdke rdkvk qjoo `k fokgpoz lgpnkb

a{gpgerkkb je rdk joo{vrpgrjie rgòk ie rdjv xgak% Jc zi{p xiojfz icckpvsgpjgòk pkr{pev rdke rdk joo{vrpgrjiev ie rdjv xgak qjoo vdiq rqi bjcckpker pgrkvic gvv{lkb c{r{pk jeskvrlker pkr{pev% Rdkvk gvv{lkb pgrkv ic pkr{pe gpk eira{gpgerkkb geb rdkz gpk eir rdk {xxkp ip oiqkp ojljrv ic qdgr zi{ ljadr akr `gfn/gv rdk sgo{k ic zi{p xiojfz jv bkxkebker ie g e{l`kp ic cgfripv jefo{bjea c{r{pkjeskvrlker xkpciplgefk%@kekcjr Joo{vrpgrjieGak ic OG $Zpv%* 6;Rkpl $Zpv%* 08V{l Gvv{pkb$Pv%* 788888Gee{go Xpklj{l 362;

Keb

icZkgp Rirgo xpklj{lv xgjb rjoo keb ic zkgp Bkgrd @kekcjr b{pjea rdk zkgp

A{gpgerkkb Sgpjgòk RirgoVfkegpji 7 Vfkegpji 0 Vfkegpji 7 Vfkegpji 0

7 362; 788888 0088 2;88 780088 782;880 703:8 788888 2288 :888 782288 78:8886 7:86; 788888 3388 76;88 783388 776;882 0;648 788888 4488 74888 784488 774888; 6710; 788888 77888 00;88 777888 700;883 64818 788888 76088 01888 776088 7018881 2227; 788888 7;288 67;88 77;288 767;88


17/119

4 ;8138 788888 71388 63888 771388 763888: ;178; 788888 7:488 28;88 77:488 728;8878 362;8 788888 00888 2;888 700888 72;8887; :;71; 788888 63331 1;888 763331 71;88808 703:88 788888 24:88 788888 724:88 088888

Kebic

Zkgp Rirgo xpklj{lv xgjb rjoo keb ic zkgp @KEKCJR IE V[PSJSGO ) LGR[PJRZ GRRDK KEB IC ZKGP


7 362; 8 8 8 8 80 703:8 8 8 8 8 86 7:86; 8 8 8 8 82 0;648 8 8 8 8 8; 6710; 08888 8 8 08888 088883 64818 8 8 8 8 81 2227; 8 8 8 8 84 ;8138 8 8 8 8 8: ;178; 8 8 8 8 8

78 362;8 08888 8 8 08888 088887; :;71; 08888 8 8 08888 0888808 703:88 28888 24:88 788888 44:88 728888Eirk= j*djv joo{vrpgrjie jv gxxojfgòk ri g vrgebgpb $cpil lkbjfgo/ ojck vrzok gebiff{xgrjie xijer ic sjkq* ojck%j* Rdk eie,a{gpgerkkb `kekcjrv $7* geb $0* je gìsk joo{vrpgrjie gpk fgof{ogrkb virdgr rdkz gpk fievjvrker qjrd rdk Xpimkfrkb Jeskvrlker Pgrk ic Pkr{pe gvv{lxrjieic 3+ x%g%$Vfkegpji 7* geb 78+ x%g% $Vfkegpji 0* pkvxkfrjskoz% Je irdkp qipbv/ jexpkxgpjea rdjv `kekcjr joo{vrpgrjie/ jr jv gvv{lkb rdgr rdk Xpimkfrkb JeskvrlkerPgrk ic Pkr{pe rdgr OJFJ qjoo `k gòk ri kgpe rdpi{adi{r rdk rkpl ic rdk xiojfzqjoo `k 3+ x%g% ip 78+ x%g%/ gv rdk fgvk lgz `k% Rdk Xpimkfrkb Jeskvrlker Pgrk icPkr{pe jv eir a{gpgerkkb%Vkfrjie 2; ic Jev{pgefk Gfr/ 7:64=

Ei xiojfz ic ojck jev{pgefk vdgoo gcrkp rdk ktxjpz ic rqi zkgpv cpil rdk bgrk ieqdjfd jr qgv kcckfrkb/ `k fgookb je w{kvrjie `z ge jev{pkp ie rdk api{eb rdgr gvrgrklker lgbk je rdk xpixivgo cip jev{pgefk ip je gez pkxipr ic g lkbjfgoiccjfkp/ ip pkckpkk/ ip cpjkeb ic rdk jev{pkb/ ip je gez irdkp bif{lker okgbjea rirdk jvv{k ic rdk xiojfz/ qgv jegff{pgrk ip cgovk/ {eokvv rdk jev{pkp vdiqv rdgrv{fd vrgrklker qgv ie g lgrkpjgo lgrrkp ip v{xxpkvvkb cgfrv qdjfd jr qgv lgrkpjgori bjvfoivk geb rdgr jr qgv cpg{b{okeroz lgbk `z rdk xiojfzdiobkp geb rdgr rdkxiojfzdiobkp nekq gr rdk rjlk ic lgnjea jr rdgr rdk vrgrklker qgv cgovk ip rdgr jrv{xxpkvvkb cgfrv qdjfd jr qgv lgrkpjgo ri bjvfoivk% Xpisjbkb rdgr eirdjea je rdjvvkfrjie vdgoo xpksker rdk jev{pkp cpil fgoojea cip xpiic ic gak gr gez rjlk jc dkjv kerjrokb ri bi vi/ geb ei xiojfz vdgoo `k bkklkb ri `k fgookb je w{kvrjielkpkoz `kfg{vk rdk rkplv ic rdk xiojfz gpk gbm{vrkb ie v{`vkw{ker xpiic rdgr rdkgak ic rdk ojck gvv{pkb qgv jefippkfroz vrgrkb je rdk xpixivgo%

Xpidj`jrjie ic Pk`grkv $Vkfrjie 27 ic JEV[PGEFK GFR /7:64* =$7* Ei xkpvie vdgoo gooiq ip icckp ri gooiq/ kjrdkp bjpkfroz ip jebjpkfroz/ gv gejeb{fklker ri gez xkpvie ri rgnk i{r ip pkekq ip fierje{k ge jev{pgefk je pkvxkfric gez njeb ic pjvn pkogrjea ri ojskv ip xpixkprz je Jebjg/ gez pk`grk ic rdkqdiok ip xgpr ic rdk filljvvjie xgzgòk ip gez pk`grk ic rdk xpklj{l vdiqe ie rdkxiojfz eip vdgoo gez xkpvie rgnjea i{r ip pkekqjea ip fierje{jea g xiojfz gffkxrgez pk`grk ktfkxr v{fd pk`grkv gv lgz `k gooiqkb je gffipbgefk qjrd rdk x{òjvdkbxpivxkfr{vkv ip rgòkv ic rdk jev{pkp xpisjbkb rdgr gffkxrgefk `z ge jev{pgefkgaker ic filljvvjie je fieekfrjie qjrd g xiojfz ic ojck jev{pgefk rgnjea i{r `zdjlvkoc ie djv iqe ojck vdgoo eir `k bkklkb ri `k gffkxrgefk ic g pk`grk ic


18/119

xpklj{l qjrdje rdk lkgejea ic rdjv v{`,vkfrjie jc gr rdk rjlk ic v{fd gffkxrgefkrdk jev{pgefk gaker vgrjvcjkv rdk xpkvfpj`kb fiebjrjiev kvrgòjvdjea rdgr dk jv gìeg cjbk jev{pgefk gaker klxoizkb `z rdk jev{pkp%$0* Gez xkpvie lgnjea bkcg{or je filxozjea qjrd rdk xpisjvjie ic rdjv Vkfrjievdgoo `k x{ejvdgòk qjrd g cjek/ qdjfd lgz ktrkeb ri ;88 p{xkkv

XKEVJIE XOGEXkevjie Xogev gpk Jebjsjb{go Xogev rdgr ag}k jeri zi{p c{r{pk geb cipkvkkcjegefjgo vrg`jojrz b{pjea zi{p iob gak% Rdkvk xiojfjkv gpk livr v{jrkb cip vkejipfjrj}kev geb rdivk xogeejea g vkf{pk c{r{pk/ vi rdgr zi{ ekskp ajsk {x ie rdk `kvrrdjeav je ojck%

Mkksge Ejbdj

Mkksge Gnvdgz,SJ

Ekq Mkksge Bdgpg,J

Ekq Mkksge V{pgnvdg,J

Mkksge Ejbdj

CKGR[PKOJF!v MKKSGE EJBDJ jv g qjrd xpicjrv Bkckppkb Gee{jrz $Xkevjie* xoge% Ie v{psjsgoic rdk xiojfzdiobkp `kzieb rkpl ic rdk xiojfz rdk gff{l{ogrkb gli{er $j%k% V{lGvv{pkb . A{gpgerkkb Gbbjrjiev . @ie{vkv* jv {vkb ri akekpgrk g xkevjie $gee{jrz*cip rdk xiojfzdiobkp% Rdk xoge govi xpisjbkv g pjvn fiskp b{pjea rdk bkckplkerxkpjib% Rdk [VX ic rdk xoge `kjea rdk xkevjie fge fillkefk gr 28 zkgpv% Rdkxpklj{lv xgjb gpk ktklxr {ebkp Vkfrjie 48FFF ic Jefilk Rgt Gfr%Vgojker Ckgr{pkv=

g % A{gpgerkkb Gbbjrjiev= A{gpgerkkb Gbbjrjiev H Pv%;8), xkp rdi{vgeb V{l gvv{pkbcip kgfd filxokrkb zkgp/ cip rdk cjpvr cjsk zkgpv%

`% Xgprjfjxgrjie je xpicjrv= Rdk xiojfz vdgoo xgprjfjxgrk je xpicjrv ic rdkFipxipgrjie cpil rdk 3rd zkgp ieqgpbv geb vdgoo `k kerjrokb ri pkfkjsk ìe{vkvbkfogpkb gv xkp rdk ktxkpjkefk ic rdk Fipxipgrjie%

f% @kekcjr Ie Skvrjea=7% Ixrjie ri fill{rk {x ri 7)6pb ic rdk gli{er gsgjogòk ie skvrjea/ qdjfd vdgoojefo{bk rdk V{l Gvv{pkb {ebkp rdk @gvjf Xoge riakrdkp qjrd gffp{kb A{gpgerkkbGbbjrjiev/ vjlxok Pkskpvjiegpz @ie{vkv geb Rkpljego @ie{v/ jc gez%


19/119

0 % Gee{jrz gv xkp rdk ixrjie vkokfrkb= Gee{jrz ie rdk `gogefk gli{er jcfill{rgrjie jv ktkpfjvkb/ irdkpqjvk gee{jrz ie rdk c{oo gli{er%b% Gee{jrz Ixrjiev=Ie skvrjea/ rdk gee{jrz jevrgolker/ libk ic gee{jrz xgzlker geb rzxk ic gee{jrzqdjfd vdgoo `k lgbk gsgjogòk ri rdk Ojck Gvv{pkb $Gee{jrger* ) Eiljekk qjoobkxkeb {xie rdk rdke xpksgjojea Jllkbjgrk Gee{jrz xoge ic rdk Ojck Jev{pgefkFipxipgrjie ic Jebjg geb jrv rkplv geb fiebjrjiev%

F{ppkeroz rdk ciooiqjea ixrjiev gpk gsgjogòk {ebkp OJFv jllkbjgrk gee{jrjkv=

7% Gee{jrz cip ojck= Rdk gee{jrz jv xgjb ri rdk ojck gvv{pkb gv oiea gv dk)vdk jvgojsk%

0% Gee{jrz A{gpgerkkb cip fkprgje xkpjibv= Rdk gee{jrz jv xgjb ri rdk ojck gvv{pkbcip xkpjibv ic ; ip 78 ip 7; ip 08 zkgpv gv fdivke `z djl)dkp/ qdkrdkp ip eirdk)vdk v{psjskv rdgr xkpjib% Gcrkp rdk fdivke xkpjib/ rdk gee{jrz jv xgjb ri rdkojck gvv{pkb gv oiea gv dk)vdk jv gojsk%

6% Gee{jrz qjrd pkr{pe ic x{pfdgvk xpjfk ie bkgrd= Rdk gee{jrz jv xgjb ri rdk ojckgvv{pkb gv oiea gv dk)vdk jv gojsk% Ie rdk bkgrd ic rdk ojck gvv{pkb/ rdk x{pfdgvk

xpjfk ic rdk gee{jrz jv xgjb gv bkgrd `kekcjr% Rdk x{pfdgvk xpjfk jefo{bkv rdk V{lGvv{pkb {ebkp rdk @gvjf Xoge/ rdk gffp{kb A{gpgerkkb Gbbjrjiev geb gez gffp{kbìe{vkv/ ktfo{bjea rdk fill{rkb sgo{k/ jc gez%

2% Jefpkgvjea gee{jrz= Rdk gee{jrz jv xgjb ri rdk ojck gvv{pkb gv oiea gv dk)vdkjv gojsk% Rdk gli{er ic gee{jrz jefpkgvkv kskpz zkgp gr g vjlxok pgrk ic 6+ xkpgee{l%

;% Mijer Ojck Ogvr V{psjsip Gee{jrz= Rdk gee{jrz jv xgjb ri rdk ojck gvv{pkb gvoiea gv dk)vdk jv gojsk% Ie bkgrd ic rdk ojck gvv{pkb/ ;8+ ic rdk gee{jrz jvxgzgòk ri rdk eiljegrkb vxi{vk gv oiea gv rdk vxi{vk jv gojsk%

k% Bkgrd @kekcjr ie bkgrd `kcipk gee{jrz skvrv= Ie rdk bkgrd ic rdk Ojck Gvv{pkb

b{pjea rdk bkckplker xkpjib ic rdk xiojfz/ j%k% `kcipk rdk gee{jrz skvrv/ gegli{er kw{go ri rdk V{l Gvv{pkb {ebkp rdk @gvjf xoge goiea qjrd rdk gffp{kbA{gpgerkkb Gbbjrjiev/ vjlxok Pkskpvjiegpz @ie{vkv geb Rkpljego @ie{v/ jc gez/ qjoo`k xgjb je g o{lx v{l ri rdk gxxijerkb eiljekk/ xpisjbkb rdk xiojfz jv je cipfkcip c{oo V{l Gvv{pkb% Eiljekk qjoo govi dgsk rdk ixrjie ri x{pfdgvk ge gee{jrzqjrd rdjv gli{er%@KEKCJRV=,Kojaj`jojrz Fiebjrjiev Geb Irdkp Pkvrpjfrjiev [ebkp Rdjv Xoge=

Cip @gvjf @kekcjr=g* Ljejl{l gak gr kerpz= 74 zkgpv $filxokrkb*`* Lgtjl{l gak gr kerpz= 3; zkgpvf* Ljejl{l gak gr skvrjea= 28 zkgpv

b* Lgtjl{l gak gr skvrjea 1; zkgpvk* Xiojfz rkplv= 3 ri 6; zkgpv {ebkp Vjeaok Xpklj{l xiojfjkv geb ; ri 6;zkgpv {ebkp Pka{ogp Xpklj{l xiojfjkvc* Libkv ic xpklj{l xgzlker= Zkgpoz/ Dgoc,zkgpoz/ W{gprkpoz/ VVV # VjeaokXpklj{la* V{lv Gvv{pkb gooiqkb= Pv%;8/888), geb je l{orjxokv ic Pv%;/888),rdkpkgcrkp/ qjrd ei {xxkp ojljr%d* Ljejl{l Gee{go Xpklj{l= Pv%6/888),j* Ljejl{l Vjeaok xpklj{l= Pv%78/888),


20/119

Cip Rkpl Gvv{pgefk Pjbkp Ixrjie=g* Ljejl{l gak gr kerpz= 74 zkgpv $filxokrkb*`* Lgtjl{l gak gr kerpz= ;8 zkgpvf* Lgtjl{l gak gr skvrjea 38 zkgpvb* Xiojfz rkplv= 3 ri 6; zkgpv {ebkp Vjeaok Xpklj{l libk geb 78 ri 6; zkgpv{ebkp pka{ogp xpklj{l libkk* Ljejl{l V{l Gvv{pkb= Pv%7/88/888),

c* Lgtjl{l V{l Gvv{pkb= Ge gli{er kw{go ri rdk V{l Gvv{pkb {ebkp rdk @gvjfxoge v{`mkfr ri g ojljr icPv%0;/88/888), rgnjea goo Rkpl Gvv{pgefk Pjbkp V{l Gvv{pkb {ebkp goo xiojfjkv ic gojck gvv{pkb%a* L{orjxokv ic V{l Gvv{pkb= Pv%0;/888),

Cip Fpjrjfgo Jooekvv Pjbkp Ixrjie=g* Ljejl{l

gak gr kerpz= 08 zkgpv $filxokrkb*`* Lgtjl{l gak gr kerpz= ;8 zkgpvf* Lgtjl{l gak gr skvrjea 38 zkgpvb* Xiojfz rkplv= 78 ri 6; zkgpvk* Ljejl{l V{l Gvv{pkb= Pv%;8/888),c* Lgtjl{l V{l Gvv{pkb= Ge gli{er kw{go ri rdk V{l Gvv{pkb {ebkp rdk @gvjfxoge v{`mkfr ri g ojljr ic Pv%;/88/888), rgnjea goo Fpjrjfgo Jooekvv Pjbkp V{lGvv{pkb {ebkp goo xiojfjkv ic g ojck gvv{pkba* L{orjxokv ic V{l Gvv{pkb= Pv%78/888),

Pk`grkv=

Pk`grk cip Libk ic Xpklj{l Xgzlker=Zkgpoz 0+ ic rg`{ogp xpklj{lDgoc,Zkgpoz 7+ ic rg`{ogp xpklj{lW{grkpoz Ejo

Lierdoz ;+ ktrpg ic rg`{ogp xpklj{lOgpak V{l Gvv{pkb Pk`grkv=Cip Pka{ogp Xpklj{l XiojfjkvV{l Gvv{pkb Pk`grk;8/888 ri 7/88/888 Ejo7/8;/888 ri 6/88/888 7+i V%G%6/8;/888 geb g`isk 0+i V%G%


21/119

Cip Vjeaok Xpklj{l XiojfjkvV{l Gvv{pkb Pk`grk;8/888 ri 7/88/888 Ejo7/8;/888 ri 6/88/888 ;+i V%G%6/8;/888 geb gìsk 78+i V%G%

c% Apgfk Xkpjib=G apgfk xkpjib ic 68 bgzv qjoo `k gsgjogòk cip xgzlker ic zkgpoz/ dgoc,zkgpoz ipw{gprkpoz xpklj{lv geb 7; bgzv cip lierdoz xpklj{lv%

a% 7; bgzv Fiiojea,icc xkpjib=Jc xiojfzdiobkp jv eir vgrjvcjkb qjrd rdk Rkplv geb Fiebjrjiev ic rdk xiojfz/dk)vdk lgz pkr{pe rdk xiojfz ri {v qjrdje 7; bgzv%

d% Xgjb,{x Sgo{k=

Rdk xiojfz qjoo gfw{jpk xgjb,{x sgo{k gcrkp gr okgvr 6 c{oo zkgpv xpklj{lv dgsk`kke xgjb%

j% A{gpgerkkb V{ppkebkp Sgo{k=@kcipk rdk gee{jrz skvrv/ rdk xiojfz fge `k v{ppkebkpkb gr gez rjlk gcrkp rdkfilxokrjie ic 6 xiojfz zkgpv% Cip g pka{ogp xpklj{l xiojfz/ rdk A{gpgerkkbV{ppkebkp sgo{k jv gsgjogòk xpisjbkb 6 zkgpv xpklj{lv gpk xgjb/ geb jr jv 68+ icrdk xpklj{lv xgjb ktfo{bjea xpklj{lv xgjb je rdk cjpvr zkgp% Cip g Vjeaok Xpklj{lxiojfz/ rdk A{gpgerkkb V{ppkebkp Sgo{k gsgjogòk gcrkp filxokrjie ic 6 xiojfzzkgpv jv :8+ ic rdk Vjeaok Xpklj{l% Gez ktrpg xpklj{lv geb xpklj{lv cip RkplGvv{pgefk Pjbkp Ixrjie/ Fpjrjfgo Jooekvv Pjbkp ixrjie geb Gffjbker @kekcjr/ jc gezqjoo `k ktfo{bkb%

m% Pksjsgo= Rdk xiojfzdiobkp fge pksjsk djv ogxvkb xiojfz `z xgzjea gppkgpv icxpklj{l riakrdkp qjrd jerkpkvr qjrdje g xkpjib ic cjsk zkgpv cpil rdk bgrk iccjpvr {exgjb xpklj{l v{`mkfr ri vgrjvcgfripz ksjbkefk ic dkgord% Rdk pgrk icjerkpkvr cip rdjv x{pxivk qjoo `k bkfjbkb `z rdk Fipxipgrjie cpil rjlk ri rjlk%Rdk xpkvker pgrk ic jerkpkvr jv :+ xg%

n% Ixrjiev=Gffjbkergo Bkgrd geb Bjvg`jojrz @kekcjr=

Je fgvk ic bkgrd b{k ri gffjbker $qjrdje 748 bgzv* ge gbbjrjiego gli{er kw{go rirdk Gffjbker @kekcjr V{l gvv{pkb qjoo `k xgzgòk% Je fgvk ic Rirgo geb Xkplgekerbjvg`jojrz gpjvjea b{k ri gffjbker ge gli{er kw{go ri gffjbker `kekcjr v{l gvv{pkbqjoo `k xgzgòk iskp g xkpjib ic 78 zkgpv je lierdoz jevrgolkerv% Diqkskp/ rdk

xgzlker ic gffjbker `kekcjr qjoo `k v{`mkfr ri ge iskpgoo ojljr ic Pv%0; ognd{ebkp goo xiojfjkv ic rdk Ojck Gvv{pkb qjrd rdk Fipxipgrjie rgnke riakrdkp%

Rdk bjvg`jojrz b{k ri gffjbker vdi{ob `k rirgo geb v{fd rdgr rdk Ojck Gvv{pkb jv{egòk ri fgppz i{r gez qipn ri kgpe g ojsjea% Ciooiqjea bjvg`jojrjkv b{k rigffjbker gpk govi fiskpkb ,

g* jppksifgòk oivv ic rdk kerjpk vjadr ic ìrd kzkv ip`* glx{rgrjie ic ìrd dgebv gr ip gìsk rdk qpjvrv ipf* glx{rgrjie ic ìrd ckkr gr ip gìsk genokv/ ipb* glx{rgrjie ic iek dgeb gr ip gìsk rdk qpjvr geb iek ciir gr ip gìsk rdk


22/119

genok%

Ei `kekcjr qjoo `k xgjb je fgvk ic gffjbkergo bkgrd ip bjvg`jojrz b{k ri gffjbkerje fgvk ic

g* jerkerjiego vkoc,jem{pz/ grrklxrkb v{jfjbk/ jevgejrz ip jllipgojrz ip rdk OjckGvv{pkb jv {ebkp rdk jeco{kefk ic jeritjfgrjea ojw{ip/ bp{a ip egpfirjf/`* keagaklker je gsjgrjie ip gkpieg{rjfv irdkp rdge rdgr ic g xgvvkeakp je gez gjp

fpgcr/f* jem{pjkv pkv{orjea cpil pjirv/ fjsjo fillirjie/ pk`koojie/ qgp/ jesgvjie/d{erjea/ li{ergjekkpjea/ vrkkxok fdgvjea ip pgfjea ic gez njeb/b* gffjbker pkv{orkb cpil filljrrjea gez `pkgfd ic ogq%k* gffjbker gpjvjea cpil klxoizlker je gplkb cipfkv ip ljojrgpz vkpsjfkv ip xiojfkipagejvgrjie%Rkpl Gvv{pgefk Pjbkp Ixrjie= Rkpl Gvv{pgefk gv ixrjiego pjbkp qjoo `k gsgjogòk{ebkp rdjv xoge% Xpklj{lv cip rdjv ixrjie gpk xgzgòk b{pjea rdk xpklj{l xgzjearkpl geb ge gli{er kw{go ri Rkpl Gvv{pgefk V{l Gvv{pkb qjoo `k xgzgòk ie bkgrdb{pjea rdk xiojfz rkpl% Rdk lgtjl{l fiskp cip rdjv pjbkp qjoo `k Pv%0; ognd {ebkpgoo xiojfjkv ic rdk Ojck Gvv{pkb qjrd rdk Fipxipgrjie rgnke riakrdkp%Fpjrjfgo Jooekvv Pjbkp Ixrjie= Ge gli{er kw{go ri rdk Fpjrjfgo Jooekvv Pjbkp V{lGvv{pkb gv ixrjiego pjbkp qjoo `k xgzgòk je fgvk ic bjgaeivjv ic bkcjekb

fgrkaipjkv ic Fpjrjfgo Jooekvv v{`mkfr ri fkprgje rkplv geb fiebjrjiev% Rdklgtjl{l fiskp cip rdjv pjbkp qjoo `k Pv%; ognd {ebkp goo xiojfjkv ic rdk OjckGvv{pkb qjrd rdk Fipxipgrjie rgnke riakrdkp%Jc ixrkb cip Xpklj{l Qgjskp @kekcjr/ rdke je fgvk rdk Ojck Gvv{pkb jv bjgaeivkbqjrd gez ic rdk Fpjrjfgo Jooekvvkv fiskpkb {ebkp rdk xiojfz/ rdk rirgo c{r{pkxpklj{lv je pkvxkfr ic rdk xiojfz qjoo `k qgjskb% V{l Gvv{pkb {ebkp goo v{fdxiojfjkv qjrd rdk Fipxipgrjie rgnke riakrdkp qjoo eir ktfkkb Pv%; ognd%

Oige ) Gvvjaelker=Ei Oige)Gvvjaelker qjoo `k gsgjogòk `z rdk Fipxipgrjie ri rdk xiojfzdiobkpv {ebkprdjv xoge%

KTFO[VJIEV=

V{jfjbk= Rdjv xiojfz vdgoo `k sijb jc rdk Ojck Gvv{pkb filljrv v{jfjbk $qdkrdkpvgek ip jevgek gr rdk rjlk* gr gez rjlk ie ip gcrkp rdk bgrk ie qdjfd rdk pjvn{ebkp rdk xiojfz dgv fillkefkb `{r `kcipk rdk ktxjpz ic iek zkgp cpil rdk bgrk icfillkefklker ic pjvn {ebkp rdk xiojfz geb rdk Fipxipgrjie qjoo eir kerkprgje gezfogjl `z sjpr{k ic rdjv xiojfz ktfkxr ri rdk ktrker ic g rdjpb xgprzv ìegcjbk`kekcjfjgo jerkpkvr gfw{jpkb je rdk xiojfz cip sgo{gòk fievjbkpgrjie ic qdjfdeirjfk dgv `kke ajske je qpjrjea ri rdk iccjfk je qdjfd rdk xiojfz jv `kjeavkpsjfkb/ gr okgvr iek fgokebgp lierd xpjip ri bkgrd%

Vxkfjlke Xpklj{l Pgrkv xkp Pv%7888), V{l Gvv{pkb

Vjeaok Xpklj{lGak gr kerpz Xiojfz Rkpl

78 7; 08 0; 68 6;08 , , 373%28 ;06%28 223%;8 642%6;0; , 101%68 371%68 ;0;%6; 2;8%68 6:8%1868 4;3%2; 104%8; 37:%0; ;0:%28 2;1%2; 287%4;6; 4;1%78 168%78 306%18 ;61%;8 218%6; 208%4828 4;4%28 166%4; 367%38 ;;8%:; 2:8%:; 2;8%6;2; 438%18 128%6; 322%7; ;17%48 ;00%6; ,;8 432%;; 1;8%28 336%68 386%78 , ,;; 43:%:; 132%4; 3:7%08 , , ,


23/119

38 414%68 141%0; , , , ,3; 4:0%0; , , , , ,

Gee{go Xpklj{lGak gr kerpz Xiojfz Rkpl

; 78 7; 08 0; 68 6;08 , , , ;0%2; 28%68 60%6; 03%:80; , , 10%1; ;0%;; 28%;; 60%1; 01%2;

68 , 776%8; 10%:8 ;0%:8 27%8; 66%2; 04%286; 067%:8 776%28 16%2; ;6%38 20%8; 62%48 68%7;28 060%6; 772%8; 12%28 ;2%:; 26%48 61%8; 66%8;2; 066%8; 77;%0; 13%78 ;1%7; 23%3; 28%18 ,;8 062%2; 771%28 14%4; 38%1; ;7%68 , ,;; 063%;; 708%2; 46%8; 33%28 , ,38 06:%;; 70;%28 :8%7; , , , ,3; 02;%88 762%;; , , , , ,

@KEKCJR JOO[VRPGRJIE

Jev{pgefk Pka{ogripz # Bkskoixlker G{rdipjrz $JPBG* pkw{jpkv goo ojck jev{pgefkfilxgejkv ixkpgrjea je Jebjg ri xpisjbk iccjfjgo joo{vrpgrjiev ri rdkjp f{vrilkpv%

Rdk joo{vrpgrjiev gpk `gvkb ie rdk jeskvrlker pgrkv ic pkr{pe vkr `z rdk OjckJev{pgefk Fi{efjo $fievrjr{rkb {ebkp Vkfrjie 32F$g* ic rdk Jev{pgefk Gfr 7:64* gebjv eir jerkebkb ri pkcokfr rdk gfr{go jeskvrlker pkr{pev gfdjkskb ip lgz `kgfdjkskb je c{r{pk `z Ojck Jev{pgefk Fipxipgrjie ic Jebjg $OJFJ*%

Cip rdk zkgp 0882,8; rdk rqi pgrkv ic jeskvrlker pkr{pe bkfogpkb `z rdk OjckJev{pgefk Fi{efjo gpk 3+ geb 78+ xkp gee{l%

Xpib{fr v{llgpz=

Rdjv jv g qjrd,xpicjrv xkevjie xoge qdjfd xpisjbkv cip bkgrd fiskp b{pjea rdkbkckplker xkpjib geb ie v{psjsgo ri rdk bgrk ic skvrjea/ rdk lgr{pjrz xpifkkbv gpkfilx{ovipjoz ri `k {vkb cip x{pfdgvk ic gee{jrz%

Xpklj{lv=Xpklj{lv gpk xgzg`ok zkgpoz/ dgoc,zkgpoz/ w{gprkpoz/ lierdoz ip rdpi{ad Vgogpzbkb{frjie/ gv ixrkb `z zi{/ rdpi{adi{r rdk rkpl ic rdk xiojfz ip rjoo kgpojkpbkgrd% Gorkpegrjskoz/ rdk xpklj{l lgz `k xgjb je iek o{lx v{l $vjeaok xpklj{l*%

Rgt @kekcjrv=Rgt pkojkc {ebkp Vkfrjie 48FFF$7* jv gsgjog`ok ie xpklj{lv xgjb {ebkp rdjv xiojfz%

A{gpgerkkb Gbbjrjiev b{pjea rdk cjpvr cjsk zkgpv=Rdk xiojfz xpisjbkv cip rdk A{gpgerkkb Gbbjrjiev gr rdk pgrk ic Pv%;8), xkp


24/119

rdi{vgeb V{l Gvv{pkb b{pjea cjpvr cjsk zkgpv ic rdk xiojfz% Rdk A{gpgerkkbGbbjrjiev gpk xgzgòk goiea qjrd rdk `gvjf V{l Gvv{pkb ie skvrjea ip ie kgpojkpbkgrd%@ie{vkv gcrkp rdk cjpvr ; zkgpv=Rdjv jv g qjrd,xpicjr xoge geb xgprjfjxgrkv je rdk xpicjrv ic rdk Fipxipgrjievojck jev{pgefk `{vjekvv gcrkp ; zkgpv% Jr akrv g vdgpk ic rdk xpicjrv je rdk ciplic ìe{vkv% Vjlxok Pkskpvjiegpz @ie{vkv gpk bkfogpkb xkp rdi{vgeb V{l Gvv{pkbgee{gooz gr rdk keb ic kgfd cjegefjgo zkgp% Iefk bkfogpkb/ rdkz cipl xgpr ic rdk

a{gpgerkkb `kekcjrv ic rdk xoge% G Cjego $Gbbjrjiego* @ie{v lgz govi `k xgzgòkxpisjbkb g xiojfz dgv p{e cip fkprgje ljejl{l xkpjib%Bkgrd @kekcjr=Rdk V{l Gvv{pkb goiea qjrd gffp{kb a{gpgerkkb gbbjrjiev geb skvrkb vjlxokpkskpvjiegpz ìe{vkv geb Cjego $Gbbjrjiego* @ie{v/ jc gez/ jv xgzgòk je g o{lxv{l ie bkgrd ic rdk ojck gvv{pkb b{pjea rdk bkckplker xkpjib ic rdk xiojfz%@kekcjr ie skvrjea=Ie rdk bgrk ic skvrjea zi{ fge kefgvd {x ri g lgtjl{l ic 7)6pb ic rdk gli{erfievjvrjea ic rdk V{l Gvv{pkb goiea qjrd gffp{kb a{gpgerkkb gbbjrjiev/ skvrkbvjlxok pkskpvjiegpz ìe{vkv geb Cjego $Gbbjrjiego* @ie{v/ jc gez gv g rgt,cpkko{lx v{l% Rdk `gogefk gli{er vdgoo `k filx{ovipjoz fieskprkb jeri ge gee{jrz grrdk ixrjie geb rdk pgrkv gxxojfgòk gr rdk rjlk ic skvrjea ic rdk gee{jrz%V{xxoklkergpz)Ktrpg @kekcjrv=

Rdkvk gpk rdk ixrjiego `kekcjrv rdgr fge `k gbbkb ri zi{p `gvjf xoge cip ktrpgxpirkfrjie)ixrjie% Ge gbbjrjiego xpklj{l jv pkw{jpkb ri `k xgjb cip rdkvk`kekcjrv%

V{ppkebkp Sgo{k=@{zjea g ojck jev{pgefk fierpgfr jv g oiea,rkpl filljrlker% Diqkskp/ v{ppkebkpsgo{k jv gsgjogòk ie rdk xoge ie kgpojkp rkpljegrjie ic rdk fierpgfr%A{gpgerkkb V{ppkebkp Sgo{k=Rdk xiojfz lgz `k v{ppkebkpkb cip fgvd gcrkp rdk xiojfz jv nkxr je cipfk `zxgzlker ic xpklj{lv cip gr okgvr rdpkk zkgpv% Rdk a{gpgerkkb v{ppkebkp sgo{kgsgjogòk {ebkp rdjv xoge cip goo libkv/ ktfkxr rdk vjeaok xpklj{l libk/ qjoo `kkw{go ri 68+ ic rdk rirgo gli{er ic xpklj{lv xgjb ktfo{bjea rdk cjpvr zkgpvxpklj{l geb rdk ktrpg xpklj{lv% Je fgvk ic vjeaok xpklj{l libk/ Rdk a{gpgerkkb

v{ppkebkp sgo{k qjoo `k :8+ ic rdk xpklj{l xgjb ktfo{bjea goo ktrpg xpklj{lv%Fipxipgrjiev xiojfz ie v{ppkebkpv=Je xpgfrjfk/ rdk Fipxipgrjie qjoo xgz g Vxkfjgo V{ppkebkp Sgo{k qdjfd jv kjrdkpkw{go ri ip lipk rdge rdk A{gpgerkkb V{ppkebkp Sgo{k% Rdk `kekcjr xgzgòk iev{ppkebkp pkcokfrv rdk bjvfi{erkb sgo{k ic rdk pkb{fkb fogjl gli{er rdgr qi{ob `kxgzgòk ie bkgrd ip gr lgr{pjrz% Rdjv sgo{k qjoo bkxkeb ie rdk b{pgrjie cip qdjfdxpklj{lv dgsk `kke xgjb geb rdk xiojfz b{pgrjie gr rdk bgrk ic v{ppkebkp% Je vilkfjpf{lvrgefkv/ kvxkfjgooz je fgvk ic kgpoz rkpljegrjie ic rdk xiojfz/ rdkv{ppkebkp sgo{k xgzgòk lgz `k okvv rdge rdk rirgo xpklj{l xgjb%Rdk Fipxipgrjie pksjkqv rdk v{ppkebkp sgo{k xgzgòk {ebkp jrv xogev cpil rjlk rirjlk bkxkebjea ie rdk kfieiljf kesjpielker/ ktxkpjkefk geb irdkp cgfripv%Eirk= Rdk gìsk jv rdk xpib{fr v{llgpz ajsjea rdk nkz ckgr{pkv ic rdk xoge% Rdjvjv cip joo{vrpgrjsk x{pxivk ieoz% Rdjv bikv eir pkxpkvker g fierpgfr geb cip

bkrgjov xokgvk pkckp ri zi{p xiojfz bif{lker% C{prdkp/ rdk rgt `kekcjrv gpk gv xkpxpkvker Rgt Ogqv%

@kekcjr Joo{vrpgrjie=Vrgr{ripz QgpejeaVilk `kekcjrv gpk a{gpgerkkb geb vilk `kekcjrv gpk sgpjgòk qjrd pkr{pev `gvkb ierdk c{r{pk xkpciplgefk ic zi{p jev{pkp fgppzjea ie ojck jev{pgefk `{vjekvv% Jczi{p xiojfz icckpv a{gpgerkkb pkr{pev rdke rdkvk qjoo `k fokgpoz lgpnkba{gpgerkkb je rdk joo{vrpgrjie rgòk ie rdjv xgak% Jc zi{p xiojfz icckpvsgpjgòk pkr{pev rdke rdk joo{vrpgrjiev ie rdjv xgak qjoo vdiq rqi bjcckpker pgrkvic gvv{lkb c{r{pk jeskvrlker pkr{pev% Rdkvk gvv{lkb pgrkv ic pkr{pe gpk eir


25/119

a{gpgerkkb geb rdkz gpk eir {xxkp ip oiqkp ojljrv ic qdgr zi{ ljadr akr `gfn gvrdk sgo{k ic zi{p xiojfz jv bkxkebker ie g e{l`kp ic cgfripv jefo{bjea c{r{pkjeskvrlker xkpciplgefk%

Joo{vrpgrjie 7=Gak gr kerpz= 6; zkgpvXiojfz Rkpl= 0; zkgpvXpklj{l xgzjea rkpl= 0; zkgpv

V{l Gvv{pkb $Pv%*= 788888Zkgpoz Xpklj{l $Pv%*= 2707Keb ic zkgp Rirgo xpklj{lv xgjb rjoo keb ic zkgp @kekcjr xgzgòk ie bkgrd )Gli{er gsgjogòk ie v{psjsgo {x ri rdk bgrk ic skvrjea cip x{pfdgvk ic gee{jrz


7 2/707 7/88/888 8 8 788888 7888880 4/020 7/8;/888 8 8 78;888 78;8886 70/636 7/78/888 8 8 778888 7788882 73/242 7/7;/888 8 8 77;888 77;888; 08/38; 7/08/888 8 8 708888 7088883 02/103 7/0;/888 0688 1688 701688 7606881 04/421 7/0;/888 2388 72388 70:388 76:388

4 60/:34 7/0;/888 3:88 07:88 767:88 723:88: 61/84: 7/0;/888 :088 0:088 762088 7;208878 27/078 7/0;/888 77;88 63;88 763;88 763;887; 37/47; 7/0;/888 06888 16888 724888 7:488808 40/208 7/0;/888 24;88 7;1;88 716;88 040;880; 7/86/80; 7/0;/888 36;88 083888 744;88 667888

Joo{vrpgrjie 0=

Gak gr kerpz= 6; zkgpvXiojfz Rkpl= 0; zkgpvV{l Gvv{pkb $Pv%*= 788888Vjeaok Xpklj{l $Pv%*= ;61;8Keb ic zkgp Rirgo xpklj{lv xgjb rjoo keb ic zkgp @kekcjr xgzgòk ie bkgrd )Gli{er gsgjogòk ie v{psjsgo {x ri rdk bgrk ic skvrjea cip x{pfdgvk ic gee{jrz


7 ;6/1;8 7/88/888 8 8 788888 7888880 ;6/1;8 7/8;/888 8 8 78;888 78;8886 ;6/1;8 7/78/888 8 8 778888 7788882 ;6/1;8 7/7;/888 8 8 77;888 77;888; ;6/1;8 7/08/888 8 8 708888 708888

3 ;6/1;8 7/0;/888 0;88 70288 701;88 7612881 ;6/1;8 7/0;/888 ;888 02488 768888 72:4884 ;6/1;8 7/0;/888 1;88 61088 760;88 730088: ;6/1;8 7/0;/888 78888 2:388 76;888 71238878 ;6/1;8 7/0;/888 70;88 30888 761;88 7418887; ;6/1;8 7/0;/888 0;888 702888 7;8888 02:88808 ;6/1;8 7/0;/888 ;6;88 034888 714;88 6:68880; ;6/1;8 7/0;/888 18888 6;8;88 7:;888 21;;88


26/119

j* Rdjv joo{vrpgrjie jv gxxojfgòk ri g eie,vlinkp lgok)cklgok vrgebgpb $cpillkbjfgo/ ojck vrzok geb iff{xgrjie xijer ic sjkq* ojck%

jj* Rdk eie,a{gpgerkkb `kekcjrv $7* geb $0* je gìsk joo{vrpgrjie gpk fgof{ogrkbvi rdgr rdkz gpk fievjvrker qjrd rdk Xpimkfrkb Jeskvrlker Pgrk ic Pkr{pegvv{lxrjie ic 3+ x%g%$Vfkegpji 7* geb 78+ x%g% $Vfkegpji 0* pkvxkfrjskoz% Jeirdkp qipbv/ je xpkxgpjea rdjv `kekcjr joo{vrpgrjie/ jr jv gvv{lkb rdgr rdkXpimkfrkb Jeskvrlker Pgrk ic Pkr{pe rdgr OJFJ qjoo `k gòk ri kgpe rdpi{adi{r rdkrkpl ic rdk xiojfz qjoo `k 3+ x%g% ip 78+ x%g%/ gv rdk fgvk lgz `k% Rdk XpimkfrkbJeskvrlker Pgrk ic Pkr{pe jv eir a{gpgerkkb%

jjj* Rdk lgje i`mkfrjsk ic rdk joo{vrpgrjie jv rdgr rdk fojker jv gòk ri

gxxpkfjgrk rdk ckgr{pkv ic rdk xpib{fr geb rdk coiq ic `kekcjrv je bjcckpkerfjpf{lvrgefkv qjrd vilk oksko ic w{gerjcjfgrjie%

js* C{r{pk ìe{v qjoo bkxkeb ie c{r{pk xpicjrv geb gv v{fd jv eir a{gpgerkkb%Diqkskp/ iefk ìe{v jv bkfogpkb je gez zkgp geb gbbkb ri rdk xiojfz/ rdk ìe{v vigbbkb jv a{gpgerkkb%

s* Rdk Lgr{pjrz `kekcjr jv rdk gli{er vdiqe gr rdk keb ic rdk Xiojfz rkpl%

[EJR XOGEV[ejr xogev gpk jeskvrlker xogev cip rdivk qdi pkgojvk rdk qiprd ic dgpb,kgpekbliekz% Rdkvk xogev dkox zi{ vkk zi{p vgsjeav zjkob pjfd `kekcjrv geb dkox zi{ vgskrgt kske jc zi{ bie!r dgsk fievjvrker jefilk%

Lgpnkr Xo{v J

Xpicjr Xo{v

Liekz Xo{v,J

Fdjob Cipr{ek Xo{v


27/119

Mkksge Vggrdj Xo{v

VXKFJGO XOGEVOJFv Vxkfjgo Xogev gpk eir xogev `{r ixxipr{ejrjkv rdgr neifn ie zi{p biip iefkje g ojckrjlk% Rdkvk xogev gpk g xkpckfr `okeb ic jev{pgefk/ jeskvrlker geb gojckrjlk ic dgxxjekvv'

Mkksge Ejvfdgz

Ekq @jlg Aiob

Dkgord Xpirkfrjie Xo{v

@jlg Ejskvd 088;

Mkksge Vgpgo

Mkksge Lgbd{p


28/119

Mkksge Lgeago

2%7*JEFILK,RGT GEB RGT @KEKCJRV CPIL OJCK JEV[PGEFKG\ JEFILK,RGT PGRKV CIP GVVKVVLKER ZKGP 0878,0877 $CJEGEFJGO ZKGP 088:,0878*Jefilk Vog`v Rgt PgrkvEjoJebjsjb{go # D[C `koiq gak ic 3; zkgpv Qilge `koiq gak ic 3; zkgpv Jebjsjb{gogìsk gak ic 3; zkgpvJefilk {xri Pv%7/38/888 Jefilk {xri Pv%7/:8/888 Jefilk {xri Pv%0/28/888 EJOPv%7/38/887 ri Pv%6/88/888 Pv%7/:8/887 ri Pv%6/88/888 Pv%0/28/887 riPv%6/88/888 78+Pv%6/88/887 ri Pv%;/88/888 Pv%6/88/887 ri Pv%;/88/888 Pv%6/88/887 ri

Pv%;/88/888 08+Gìsk Pv%;/88/887 Gìsk Pv%;/88/887 Gìsk Pv%;/88/887 68+Kb{fgrjie Fkvv = Ge gbbjrjiego v{pfdgpak fgookb gv Kb{fgrjie Fkvv jv oksjkb grrdk pgrk ic 0+ ie rdk gli{er ic Jefilk rgt geb v{pfdgpak $jc gez* je goo fgvkvvdgoo `k oksjkb%Vkfiebgpz geb Djadkp = Ge gbbjrjiego v{pfdgpak/ fgookb rdk Vkfiebgpz geb DjadkpKb{fgrjie Fkvv ie jefilk, rgt gr rdk pgrk ic 7+ ic jefilk,rgt geb v{pfdgpak $eirjefo{bjea rdk Kb{fgrjie Fkvv ie Jefilk,rgt* je goo fgvkv vdgoo `k oksjkb%@\ VILK JLXIPRGER JEFILK RGT @KEKCJRV GSGJOG@OK [EBKP SGPJI[V XOGEV IC OJCKJEV[PGEFK GPK DJADOJADRKB @KOIQ=2%7%7* Bkb{frjie gooiqgòk cpil Jefilk cip xgzlker ic Ojck Jev{pgefk Xpklj{l


29/119

$Vkf% 48F*%g* Ojck Jev{pgefk xpkljg xgjb je ipbkp ri kcckfr ip ri nkkx je cipfk ge jev{pgefkie rdk ojck ic rdk gvvkvvkk ip ie rdk ojck ic rdk vxi{vk ip gez fdjob ic gvvkvvkk# je rdk fgvk ic D[C/ xpklj{l xgjb ie rdk ojck ic gez lkl`kp rdkpkic/ Xpisjbkbxpklj{l xgjb jv eir je ktfkvv ic 08+ ic fgxjrgo v{l gvv{pkb%`* Fierpj`{rjie ri bkckppkb gee{jrz Xogev je ipbkp ri kcckfr ip ri nkkx je cipfk gfierpgfr cip bkckppkb gee{jrz/ ie djv iqe ojck ip rdk ojck ic djv vxi{vk ip gezfdjob ic v{fd jebjsjb{go/ xpisjbkb v{fd fierpgfr bikv eir fiergje g xpisjvjie ri

ktkpfjvk ge ixrjie `z rdk jev{pkb ri pkfkjsk g fgvd xgzlker je ojk{ ic rdk xgzlkeric gee{jrz jv kojajòk cip bkb{frjie%f* Fierpj`{rjie ri Xkevjie)Gee{jrz Xogev Ekq Mkksge Bdgpg,J%2%7%0* Mkksge Ejbdj Xoge # Ekq Mkksge V{pgnvdg J Xoge $[)v% 48FFF*G bkb{frjie ri ge jebjsjb{go cip gez gli{er xgjb ip bkxivjrkb `z djl cpil djvrgtgòk jefilk je rdk gìsk gee{jrz xogev cip pkfkjsjea xkevjie $cpil rdk c{eb vkr{x `z rdk Fipxipgrjie {ebkp rdk Xkevjie Vfdklk* jv gooiqkb%EIRK= Rdk xpklj{l fge `k xgjb {xri Pv%7/88/888), ri gsgjo bkb{frjie {)v%48F/ 48FFF# 48FFB% Diqkskp/ rdkpk jv ei vkfripgo fgx j%k% rdk ojljr ic Pv%7/88/888), fge `kktdg{vrkb `z xgzjea xpklj{l {ebkp ic rdk vgjb vkfrjiev%

2%7%6* Bkb{frjie {ebkp vkfrjie 48B7% Bkb{frjie gooiqgòk {xri Pv%7;/888), jc ge gli{er jv xgjb ri nkkx je cipfkge jev{pgefk ie dkgord ic gvvkvvkk ip djv cgljoz $j%k% Vxi{vk # fdjobpke*

0% Gbbjrjiego bkb{frjie {xri Pv%7;/888), jc ge gli{er jv xgjb ri nkkx je cipfkge jev{pgefk ie dkgord ic xgpkerv6% Je fgvk ic D[C/ bkb{frjie gooiqgòk {xri Pv%7;/888), jc ge gli{er jv xgjbri nkkx je cipfk ge jev{pgefk ie dkgord ic gez lkl`kp ic rdgr D[CEirk= Jc rdk v{l vxkfjcjkb je $g* ip $`* ip $f* jv xgjb ri kcckfr ip nkkx jecipfk ge jev{pgefk ie rdk dkgord ic gez xkpvie vxkfjcjkb rdkpkje qdi jv g vkejipfjrj}ke/ rdke rdk bkb{frjie gsgjogòk qjoo `k {xri Pv%08/888),% xpisjbkb rdgr v{fdjev{pgefk jv je gffipbgefk qjrd rdk vfdklk cpglkb `zg* rdk Akekpgo Jev{pgefk Fipxipgrjie ic Jebjg gv gxxpiskb `z rdk FkerpgoAiskpelker je rdjv `kdgoc ip>`* Gez irdkp jev{pkp geb gxxpiskb `z rdk Jev{pgefk Pka{ogripz geb BkskoixlkerG{rdipjrz%2%7%2*Mkksge Ggbdgp Xoge $Vkf%48BB*=

Bkb{frjie cpil rirgo jefilk {xri Pv%;8888), gooiqgòk ie gli{er bkxivjrkb qjrd OJF{ebkp Mkksge Ggbdgp Xoge cip lgjerkegefk ic ge dgebjfgxxkb bkxkebker$Pv%7/88/888), qdkpk dgebjfgxxkb bkxkebker jv v{cckpjea cpil vkskpk bjvg`jojrz*2%7%;*Ktklxrjie je pkvxkfr ic fill{rgrjie ic xkevjie {ebkp Mkksge V{pgnvdg #Mkksge Ejbdj Xogev=[ebkp Vkfrjie 78$78G* $jjj* ic rdk Jefilk,rgt Gfr/ gez xgzlker pkfkjskb `z qgz icfill{rgrjiev ic xkevjie i{r ic rdk Mkksge V{pgnvdg # Mkksge Ejbdj Gee{jrz xogevjv ktklxr cpil rgt {ebkp fog{vk $06GG@*%2%3*Jefilk rgt ktklxrjie ie Lgr{pjrz)Bkgrd Fogjlv xpifkkbv {ebkp Vkfrjie 78$78B*[ebkp rdk xpisjvjiev ic vkfrjie 78$78B* ic rdk Jefilk,rgt Gfr/ 7:37/Lgr{pjrz)Bkgrd fogjlv xpifkkbv ic ojck jev{pgefk xiojfz/ jefo{bjea rdk v{lgooifgrkb `z qgz ic ìe{v ie v{fd xiojfz $irdkp rdge gli{er ri `k pkc{ebkb {ebkpMkksge Ggbdgp Jev{pgefk Xoge je fgvk ic dgebjfgxxkb bkxkebker xpkbkfkgvkv rdk

jebjsjb{go ip gli{er pkfkjskb {ebkp g Nkzlge Jev{pgefk Xoge* jv ktklxrkb cpiljefilk,rgt% Diqkskp gez v{l $eir jefo{bjea rdk xpklj{l xgjb `z rdk gvvkvvkk*pkfkjskb {ebkp ge jev{pgefk xiojfz jvv{kb ie ip gcrkp rdk 7vr bgz ic Gxpjo/ 0886je pkvxkfr ic qdjfd rdk xpklj{l xgzgòk cip gez ic rdk zkgpv b{pjea rdk rkpl icrdk xiojfz ktfkkbv 08+ ic rdk gfr{go fgxjrgo v{l gvv{pkb qjoo ei oieakp `kktklxrkb {ebkp rdjv vkfrjie%


30/119

;%7*DKOX [V RI VKPSK [ @KRRKP;%7%7*Gbljvvjie Ic Gak=

Gak jv rdk lgje `gvjv ic fgof{ogrjie ic xpklj{l {ebkp ojck jev{pgefk xiojfjkv% Rdkciooiqjea gpk gffkxrkb gv ksjbkefk ic gak= Fkprjcjkb ktrpgfr cpil L{ejfjxgo ip Oifgo @ibzv pkfipbv lgbk gr rdk rjlk ic`jprd% Fkprjcjfgrk ic @gxrjvl ip Fkprjcjkb Ktrpgfr cpil Cgljoz @jòk/ jc jrfiergjev gak ip bgrk ic `jprd% Fkprjcjkb Ktrpgfr cpil Vfdiio ip Fiookak pkfipbv/ jc gak ip bgrk ic `jprd jvvrgrkb rdkpkje% Fkprjcjkb Ktrpgfr cpil Vkpsjfk Pkajvrkp je rdk fgvk ic Aisr% klxoizkkv geb

klxoizkkv ic W{gvj,Aisr% Jevrjr{rjiev ip Xgvvxipr jvv{kb z rdk Xgvvxipr G{rdipjrjkv je Jebjg%;%7%0*Xgzlker Ic Xpklj{l= @z fgvd/ oifgo fdkw{k $v{`mkfr ri pkgoj}grjie ic fdkw{k*/ Bklgeb Bpgcr gr@pgefd Iccjfk% Rdk BB geb fdkw{kv ip Liekz Ipbkp lgz k vker z xivr% Zi{ fge xgz zi{p xpklj{lv gr gez ic i{p @pgefdkv gv ::+ ic i{p @pgefdkv gpkekrqipnkb% Lgez @genv bi gffkxr vrgebjea jevrp{frjiev ri pkljr rdk xpklj{lv% Vi zxpisjbjea g vrgebjea jevrp{frjie ri zi{p @gen ri bk`jr zi{p gffi{er cip rdkxpklj{l gli{er geb vkeb jr sjbk g `genkpv fdkw{k ri OJF/ ie rdk b{k bgrkv geblierdv lkerjiekb ie zi{p xiojfz ìeb% Rdpi{ad Jerkpekr = Xgzlker ic xpklj{lv fge `k lgbk rdpi{ad Jerkpekr rdpi{ad

Vkpsjfk Xpisjbkpv sj}%DBCF @gen/ JFJFJ @gen/ Rjlkv ic Liekz/ @joo M{efrjie/ [RJ@gen/ @gen ic X{emg`/ Fjrj`gen/ Fipxipgrjie @gen/ Ckbkpgo @gen geb @jooBkvn% Xpklj{l xgzlker fge govi k lgbk rdpi{ad GRLv ic Fipxipgrjie @gen geb [RJ@gen% Xpklj{l xgzlker fge govi `k lgbk rdpi{ad Kokfrpiejf Fokgpjea Vkpsjfk $KFV*qdjfd dgv `kke og{efdkb gr L{l`gj/ Dzbkpg`gb/ Fdkeegj/ Niongrg/ Ekq Bkodj/ Ngex{p/@geagoipk/ Sjmgzqgbg/ Xgreg/ Mgjx{p/ Fdgebjagpd/ Rpjsgebp{l/ Gdlkbg`gb/ X{ek/ Aiggeb Egax{p/ Vkf{ebkpg`gb # Sjvgndgxgregl% G xiojfzdiobkp dgsjea ge gffi{er je gez@gen qdjfd jv g Lkl`kp ic rdk oifgo Fokgpjea Di{vk fge ixr cip KFV bk`jr ri xgzxpklj{lv% Rdk xiojfzdiobkpv qjvdjea ri {vk rdjv vzvrkl qi{ob dgsk ri cjoo {x gLgebgrk Cipl gsgjogòk gr i{p @pgefdkv)BI geb akr jr fkprjcjkb `z rdk @gen% Rdkfkprjcjkb Lgebgrk Ciplv gpk ri `k v{`ljrrkb ri i{p @I)BI%Xiojfz fge `k gezqdkpk je Jebjg%

Fjrj`gen Njivnv gr Jeb{vrpjgo Gvv{pgefk @{jobjea/ Fd{pfdagrk/ Ekq Jebjg@{jobjea/ Vgergfp{}/ Mkksge Vdjndg @{jobjea/ @ipjsjoj gpk bkbjfgrkb cip fiookfrjieic xpklj{lv rdpi{ad fdkw{kv%;%7%6*Bgzv Ic Apgfk= Xiojfzdiobkp vdi{ob xgz rdk xpklj{lv ie b{k bgrkv% Diqkskp/ g apgfk xkpjibic iek lierd `{r eir okvv rdge 68 bgzv qjoo `k gooiqkb cip xgzlker ic zkgpoz)dgoc,zkgpoz)w{gprkpoz xpklj{lv geb 7; bgzv cip lierdoz xpklj{lv% Qdke rdk bgzv ic apgfk ktxjpk ie g V{ebgz ip g x{òjf diojbgz/ rdk xpklj{llgz `k xgjb ie rdk ciooiqjea qipnjea bgz ri nkkx rdk xiojfz je cipfk% Jc rdk xpklj{l jv eir xgjb `kcipk rdk ktxjpz ic rdk bgzv ic apgfk/ rdkxiojfz ogxvkv%


31/119

;%7%2*Pksjsgo Ic Ogxvkb Xiojfz= Jc rdk xiojfz dgv ogxvkb/ jr fge k pksjskb b{pjea rdk ojck rjlk ic rdk ojckgvv{pkb/ qjrdje g xkpjib ic cjsk zkgpv cpil rdk bgrk ic rdk cjpvr {exgjb xpklj{l`{r `kcipk rdk bgrk ic lgr{pjrz v{`mkfr ri fkprgje fiebjrjiev% Rdk Fipxipgrjie icckpv rdpkk fieskejker vfdklkv ic pksjsgo sj}%/ IpbjegpzPksjsgo/ Vxkfjgo Pksjsgo geb Jevrgoolker Pksjsgo% Xiojfjkv fge govi `k pksjskb{ebkp Oige,f{l,Pksjsgo geb V@,f{l,Pksjsgo vfdklkv% Pkw{kvr cip pksjsgo lgz `k lgbk ri rdk @pgefd Iccjfk vkpsjfjea rdk xiojfz%

Fdgeak Ic Gbbpkvv Geb Rpgevckp Ic Xiojfz Pkfipbv= Rdk xiojfzdiobkp vdi{ob jllkbjgrkoz jerjlgrk rdk fdgeak ic djv)dkp gbbpkvvri rdk @pgefd Iccjfk vkpsjfjea rdk xiojfz% Rdk fippkfr gbbpkvv cgfjojrgrkv `krrkpvkpsjfk geb w{jfnkp vkrroklker ic fogjlv% Xiojfz pkfipbv fge govi `k rpgevckppkb cpil iek @pgefd Iccjfk ri geirdkp cipvkpsjfjea/ gv pkw{kvrkb `z rdk xiojfzdiobkp%;%7%;*Oivv Ic Xiojfz Bif{lker= Rdk Xiojfz Bif{lker jv ge ksjbkefk ic rdk fierpgfr `krqkke rdk Jev{pkp gebrdk Jev{pkb% Dkefk rdk xiojfzdiobkp vdi{ob xpkvkpsk rdk Xiojfz @ieb rjoo rdkfierpgfrkb gli{er {ebkp jr jv vkrrokb% Oivv ic rdk Xiojfz Bif{lker vdi{ob `k jllkbjgrkoz jerjlgrkb ri rdk @pgefdIccjfk qdkpk jr jv vkpsjfkb%;%7%3*Oigev=

Oigev gpk apgerkb ie xiojfjkv ri rdk ktrker ic :8+ ic V{ppkebkp Sgo{k ic rdkxiojfjkv qdjfd gpk je cipfk geb 4;+ ic rdk V{ppkebkp Sgo{k je fgvk ic xiojfjkvqdjfd gpk xgjb,{x/ jefo{vjsk ic rdk fgvd sgo{k ic `ie{v% Rdk pgrk ic jerkpkvrfdgpakb gr xpkvker jv :+ x%g% xgzg`ok dgoc,zkgpoz% Oigev gpk eir apgerkb cip g xkpjib vdiprkp rdge vjt lierdv% Rdk Fiebjrjievgeb Xpjsjokakv xpjerkb ie rdk `gfn ic rdk Xiojfz @ieb vrgrkv qdkrdkp g xgprjf{ogpxiojfz jv qjrd ip qjrdi{r rdk oige cgfjojrz%;%7%1*Pkojkc Ri Xiojfzdiobkpv= Rdk Fipxipgrjie akekpgooz gooiqv fiefkvvjiev ie xgzlker ic xpklj{lv/vkrroklker ic fogjlv/ jvv{k ic b{xojfgrk xiojfjkv/ krf qdke rdk xiojfzdiobkp gpkgcckfrkb `z egr{pgo fgogljrjkv v{fd gv bpi{adrv/ fzfoiekv/ coiibv/ kgprdw{gnkv/krf%;%7%4*Eiljegrjie=

Eiljegrjie jv g pjadr fieckppkb ie rdk diobkp ic g Xiojfz ic Ojck Gvv{pgefkie djv iqe ojck ri gxxijer g xkpvie)v ri pkfkjsk xiojfz liekzv je rdk ksker ic rdkxiojfz `kfiljea g fogjl `z rdk gvv{pkbv bkgrd% Rdk Eiljekk bikv eir akr gez irdkp`kekcjr ktfkxr ri pkfkjsk rdk xiojfz liekzv ie rdk bkgrd ic rdk Ojck Gvv{pkb% Geiljegrjie lgz `k fdgeakb ip fgefkookb `z rdk ojck gvv{pkb qdkekskp dk ojnkvqjrdi{r rdk fievker ic rdk Eiljekk%Kev{pk eiljegrjie ktjvrv je rdk xiojfz cip kgvz vkrroklker ic fogjlv%;%7%:*Gvvjaelker= Gvvjaelker lkgev rpgevckp ic pjadrv/ rjrok geb jerkpkvr% Qdke ge gvvjaelkerjv ktkf{rkb/ goo pjadrv/ rjrok geb jerkpkvr je pkvxkfr ic rdk xpixkprz gvvjaekbgpk jllkbjgrkoz rpgevckppkb ri rdk Gvvjaekk)v geb rdk Gvvjaekk)v `kfilk rdkiqekp)v ic rdk xiojfz v{`mkfr ri gez ogqc{o fiebjrjie lgbk je rdk gvvjaelker% Gvvjaelker fge k kjrdkp fiebjrjiego ip g`vio{rk% Ie gvvjaelker $irdkp rdge

ri OJF*/ Eiljegrjie g{rilgrjfgooz vrgebv fgefkookb% Dkefk/ qdke v{fd g xiojfz jvpkgvvjaekb/ rdk xiojfzdiobkp qjoo dgsk ri lgnk g cpkvd eiljegrjie ri gsijb bkogzje vkrroklker ic fogjl%;%7%78*V{psjsgo @kekcjr)Lgr{pjrz Fogjlv= OJF vkrrokv v{psjsgo `kekcjr)lgr{pjrz fogjlv ie ip kcipk rdk b{k bgrk% Xiojfzdiobkp gpk jerjlgrkb qkoo je gbsgefk `z rdk @pgefd Iccjfk qdjfdvkpsjfkv rdk xiojfz pkagpbjea rdk xgzlker/ geb rdk ekfkvvgpz Bjvfdgpak Si{fdkp jvgovi vker cip ktkf{rjie `z rdk gvv{pkb% Je fgvk rdk xiojfzdiobkp bikv eir akr gezjerjlgrjie cpil rdk @pgefd Iccjfk fiefkpekb/ dk)vdk vdi{ob fiergfr rdkl/ w{irjeardk Xiojfz E{l`kp% V{psjsgo @kekcjr xgzlker {x ri Pv%38/888), gpk vkrrokb qjrdi{r jevjvrjea cip


32/119

Xiojfz @ieb geb Bjvfdgpak Si{fdkp%;%7%77*Bkgrd Fogjlv= Jc rdk ojck gvv{pkb bjkv b{pjea rdk rkpl ic rdk xiojfz/ bkgrd fogjl gpjvkv%Rdk bkgrd ic rdk xiojfzdiobkp vdi{ob `k jllkbjgrkoz jerjlgrkb je qpjrjea ri rdk@pgefd Iccjfk qdkpk rdk xiojfz jv vkpsjfkb goiea qjrd rdk ciooiqjea xgprjf{ogpv=7% Rdk Ei%)v ic rdk xiojfz)jkv0% Rdk eglk ic rdk xiojfzdiobkp6% Bkgrd Fkprjcjfgrk jvv{kb `z fiefkpekb G{rdipjrz

2% Rdk bgrk ic bkgrd;% Rdk fg{vk ic bkgrd geb3% Fogjlgerv pkogrjievdjx qjrd rdk bkfkgvkb Ie pkfkjxr ic rdk jerjlgrjie ic bkgrd/ ekfkvvgpz fogjl ciplv gpk vker `z rdk@pgefd Iccjfk cip filxokrjie goiea qjrd jevrp{frjiev pkagpbjea rdk xpifkb{pk ri `kciooiqkb `z rdk fogjlger% Rdk fogjlv qdjfd dgsk gpjvke gcrkp g xkpjib ic rdpkk zkgpv gpk rpkgrkb gveie,kgpoz fogjlv geb vkrrokb qjrdje 68 bgzv cpil rdk bgrk ic pkfkjxr ic goopkw{jpklkerv% Rdk fogjlv rdgr dgsk gpjvke qjrdje g xkpjib ic rqi zkgpv cpil rdk bgrk icfillkefklker ic rdk xiojfz/ gpk rpkgrkb gv kgpoz fogjlv geb jeskvrjagrjie jvfilx{ovipz je v{fd fgvkv% Rdk fogjl jv {v{gooz xgzgòk ri rdk eiljekk)gvvjaekk ip rdk okago dkjpv/ gv

rdk fgvk lgz `k% Diqkskp/ jc rdk bkfkgvkb xiojfzdiobkp dgv eir eiljegrkb)gvvjaekbrdk xiojfz ip jc dk)vdk dgv eir lgbk g v{jrgòk xpisjvjie pkagpbjea rdk xiojfzliekzv `z qgz ic g Qjoo/ rdk fogjl jv xgzgòk ri rdk diobkp ic g V{ffkvvjieFkprjcjfgrk ip vilk v{fd ksjbkefk ic rjrok cpil g Fi{pr ic Ogq% Rdk Fipxipgrjie apgerv fogjlv fiefkvvjiev {ebkp fkprgje Xogev qdkpk`zxgzlker ic c{oo v{l gvv{pkb jv lgbk/ v{`mkfr ri rdk bkb{frjie ic {exgjb xpklj{lvqjrd jerkpkvr rjoo rdk bgrk ic bkgrd geb {exgjb xpklj{lv cgoojea b{k `kcipk rdkektr geejskpvgpz ic rdk xiojfz/ je rdk ksker ic rdk bkgrd ic rdk ojck gvv{pkbqjrdje g xkpjib ic vjt lierdv ip iek zkgp cpil rdk bgrk ic rdk cjpvr {exgjbxpklj{l/ xpisjbkb xpklj{lv dgsk `kke xgjb cip gr okgvr rdpkk zkgpv geb cjsk zkgpvpkvxkfrjskoz%;%7%70*Fogjl Pksjkq Filljrrkk=Rdk Fipxipgrjie vkrrokv g ogpak e{l`kp ic Bkgrd Fogjlv kskpz zkgp% Ieoz je fgvk ic

cpg{b{oker v{xxpkvvjie ic lgrkpjgo jeciplgrjie jv rdk ojg`jojrz pkx{bjgrkb% Rdjvjv ri kev{pk rdgr fogjlv gpk eir xgjb ri cpg{b{oker xkpviev gr rdk fivr ic diekvrxiojfzdiobkpv% Rdk e{l`kp ic Bkgrd Fogjlv pkx{bjgrkb jv/ diqkskp/ skpz vlgoo% Kskeje rdkvk fgvkv/ ge ixxipr{ejrz jv ajske ri rdk fogjlger ri lgnk g pkxpkvkergrjiecip fievjbkpgrjie `z rdk Pksjkq Filljrrkkv ic rdk ]iego iccjfk geb rdk FkerpgoIccjfk% Gv g pkv{or ic v{fd pksjkq/ bkxkebjea ie rdk lkpjrv ic kgfd fgvk/gxxpixpjgrk bkfjvjiev gpk rgnke% Rdk Fogjlv Pksjkq Filljrrkkv ic rdk Fkerpgo geb]iego Iccjfkv dgsk gliea rdkjp Lkl`kpv/ g pkrjpkb Djad Fi{pr)Bjvrpjfr Fi{pr M{bak%Rdjv dgv dkoxkb xpisjbjea rpgevxgpkefz geb fiecjbkefk je i{p ixkpgrjiev geb dgvpkv{orkb je apkgrkp vgrjvcgfrjie gliea fogjlgerv/ xiojfzdiobkpv geb x{òjf%

;%7%76*Jev{pgefk Il`{bvlge= Rdk Apjksgefk Pkbpkvvgo Lgfdjekpz dgv `kke c{prdkp ktxgebkb qjrd rdkgxxijerlker ic Jev{pgefk Il`{bvlge gr bjcckpker fkerkpv `z rdk Aiskpelker icJebjg% Gr xpkvker rdkpk gpk 70 fkerpkv ixkpgrjea goo iskp rdk fi{erpz% Ciooiqjea rzxk ic filxogjerv cgoo qjrdje rdk x{psjkq ic rdk Il`b{vlgeg* gez xgprjgo ip rirgo pkx{bjgrjie ic fogjlv `z ge jev{pkp>`* gez bjvx{rk je pkagpb ri xpklj{lv xgjb jc xgzgòk je rkplv ic rdk xiojfz>f* gez bjvx{rk ie rdk okago fievrp{frjie ic rdk xiojfjkv je vi cgp gv v{fd


33/119

bjvx{rkv pkogrk ri fogjlv>b* bkogz je vkrroklker ic fogjlv>k*eie,jvv{k ic gez jev{pgefk bif{lker ri f{vrilkpv gcrkp pkfkjxr ic xpklj{l% Xiojfzdiobkp fge gxxpigfd rdk Jev{pgefk Il`{bvlge cip rdk pkbpkvvgo ic rdkjpfilxogjerv cpkk ic fivr%;%7%72*Jejrjgrjskv Je Xiojfz Vkpsjfjea Gpkgv= Goo 0824 @pgefdkv ic OJF gpk c{ooz filx{rkpj}kb fiskpjea goo xiojfzvkpsjfjea gvxkfrv ri ajsk xpilxr filx{rkpj}kb vkpsjfkv cpil ekq xiojfz

jerpib{frjie/ gffkxrgefk ic pkekqgo xpklj{l/ pksjsgov/ oigev/ krf ri cjego fogjlvvkrroklker% Apkke Fdgeeko cgfjojrz dgv kke jerpib{fkb cip rdk vxkkbz filxokrjie icxpixivgov% Xgzlker ic xpklj{lv fge `k lgbk rdpi{ad jerkpekr rdpi{ad vkpsjfk xpisjbkpv/sj}%/ DBCF @gen/ JFJFJ @gen/ Rjlkv ic liekz/ @joo M{efrjie/ [RJ @gen/ @gen icX{emg`/Fjrj @gen/ Fipxipgrjie @gen/ Ckbkpgo @gen geb @joobkvn%;%7%7;*Apjksgefk Pkbpkvvgo Lgfdjekpz= G lgfdjekpz cip pkbpkvvgo ic xiojfzdiobkpv9 apjksgefkv ktjvr je goo rdkiccjfkv ic rdk Fipxipgrjie% Rdkvk gpk dkgbkb `z bkvjaegrkb Iccjfkpv qdi gpkgsgjog`ok gr rdkjp pkvxkfrjsk Iccjfkv kskpz Liebgz `krqkke 0%68 xl geb 2%68 xl%ktfkxr diojbgzv% Xiojfzdiobkp fge gxxpigfd rdkvk iccjfkpv ri akr rdkjp apjksgefkvpkbpkvvkb%

Rdk Bkvjaegrkb Iccjfkpv gr rdk sgpji{v iccjfkv ic rdk Fipxipgrjie gpk =Gr @pgefd Iccjfk ,,, Vp%)@pgefd LgegakpGr Bjsjvjiego Iccjfk ,,, Lgpnkrjea LgegakpGr ]iego Iccjfk ,,, Pkajiego Lgegakp $Lnra*Gr Fkerpgo Iccjfk ,,, Ktkf{rjsk Bjpkfrip $Lnra)JI)FPL*;%7%71*Fjrj}kev Fdgprkp= Fjrj}kev! Fdgprkp qgv xpkvkerkb ri rdk Egrjie je Eiskl`kp/ 7::1% Je rdkFdgprkp rdk `kefd lgpnv qkpk xpkvfpj`kb cip 68 vkpsjfjea gpkgv%

3%7*JECIPLGRJIE RKFDEIOIAZ # OJFOJF dgv `kke iek ic rdk xjiekkpjea ipagej}grjiev je Jebjg qdi jerpib{fkb rdkokskpgak ic Jeciplgrjie Rkfdeioiaz je vkpsjfjea geb je rdkjp `{vjekvv% Bgrg


34/119

xkprgjejea ri golivr 78 fpipk xiojfjkv jv `kjea dkob ie filx{rkpv je OJF% Qk dgskaiek je cip pkoksger geb gxxpixpjgrk rkfdeioiaz iskp rdk zkgpv%

7:32 vgq rdk jerpib{frjie ic filx{rkpv je OJF% [ejr Pkfipb Lgfdjekv jerpib{fkb jeogrk 7:;8v qkpk xdgvkb i{r je 7:48v geb pkxogfkb `z Ljfpixpifkvvipv `gvkbfilx{rkpv je @pgefd geb Bjsjvjiego Iccjfkv cip @gfn Iccjfk Filx{rkpj}grjie%Vrgebgpbj}grjie ic Dgpbqgpk geb Vicrqgpk fillkefkb je 7::8v% Vrgebgpb Filx{rkpXgfngakv qkpk bkskoixkb geb jlxoklkerkb cip Ipbjegpz geb Vgogpz Vgsjeav Vfdklk

$VVV* Xiojfjkv%

3%0*CPIER KEB IXKPGRJIEVQjrd g sjkq ri kedgefjea f{vrilkp pkvxievjskekvv geb vkpsjfkv / je M{oz 7::;/ OJFvrgprkb g bpjsk ic Ie Ojek Vkpsjfk ri Xiojfzdiobkpv geb Gakerv rdpi{ad Filx{rkp%Rdjv ie ojek vkpsjfk kegòkb xiojfzdiobkpv ri pkfkjsk jllkbjgrk xiojfz vrgr{vpkxipr / xpilxr gffkxrgefk ic rdkjp xpklj{l geb akr Pksjsgo W{irgrjie/ OigeW{irgrjie ie bklgeb% Jefipxipgrjea fdgeak ic gbbpkvv fge `k biek ie ojek% W{jfnkpfilxokrjie ic xpixivgov geb bjvxgrfd ic xiojfz bif{lkerv dgsk `kfilk g pkgojrz%Goo i{p 0824 `pgefdkv gfpivv rdk fi{erpz dgsk `kke fiskpkb {ebkp cpier,kebixkpgrjiev% Rd{v goo i{p 788 bjsjvjiego iccjfkv dgsk gfdjkskb rdk bjvrjefrjie ic788+ `pgefd filx{rkpjvgrjie% Ekq xgzlker pkogrkb Lib{okv xkprgjejea ri ìrdipbjegpz # VVV xiojfjkv dgsk `kke gbbkb ri rdk Cpier Keb Xgfngak fgrkpjea ri Oige/

Fogjlv geb Bkskoixlker Iccjfkpv Gxxpgjvgo% Goo rdkvk lib{okv dkox ri pkb{fk rjlk,oga geb kev{pk gff{pgfz%

3%6*LKRPI GPKG EKRQIPNG Lkrpixiojrge Gpkg Ekrqipn/ fieekfrjea 12 `pgefdkv je L{l`gj qgv filljvvjiekb jeEiskl`kp/ 7::1/ kegòjea xiojfzdiobkpv je L{l`gj ri xgz rdkjp Xpklj{l ip akr rdkjpVrgr{v Pkxipr/ V{ppkebkp Sgo{k W{irgrjie/ Oige W{irgrjie krf% cpil GEZ @pgefd jerdk fjrz% Rdk Vzvrkl dgv `kke qipnjea v{ffkvvc{ooz% Lipk rdge 78/888 rpgevgfrjievgpk fgppjkb i{r iskp rdjv Ekrqipn ie gez ajske qipnjea bgz% V{fd Ekrqipnv dgsk`kke jlxoklkerkb je irdkp fjrjkv govi%

3%;*QJBK GPKG EKRQIPN

Goo 1 ]iego Iccjfkv geb goo rdk LGE fkerpkv gpk fieekfrkb rdpi{ad g Qjbk GpkgEkrqipn $QGE*% Rdjv qjoo kegòk g f{vrilkp ri sjkq djv xiojfz bgrg geb xgz xpklj{lcpil gez `pgefd ic gez LGE fjrz% Gv gr Eiskl`kp 088;/ qk dgsk :7 fkerkpv je Jebjgqjrd lipk rdge 086; `pgefdkv ekrqipnkb {ebkp QGE%

3%3*JERKPGFRJSK SIJFK PKVXIEVK VZVRKLV $JSPV*JSPV dgv gopkgbz `kke lgbk c{efrjiego je ;: fkerkpv goo iskp rdk fi{erpz% Rdjvqi{ob kegòk f{vrilkpv ri pjea {x OJF geb pkfkjsk jeciplgrjie $k%a% ektr xpklj{lb{k/ Vrgr{v/ Oige Gli{er/ Lgr{pjrz xgzlker b{k/ Gff{l{ogrkb @ie{v krf%* gì{rrdkjp xiojfjkv ie rdk rkokxdiek% Rdjv jeciplgrjie fi{ob govi `k cgtkb ie bklgeb rirdk f{vrilkp%

3%1*OJF IE RDK JERKPEKRI{p Jerkpekr vjrk jv ge jeciplgrjie `gen% Qk dgsk bjvxogzkb jeciplgrjie gì{r OJF# jrv iccjfkv % Kcciprv gpk ie ri {xapgbk i{p qk` vjrk ri lgnk jr bzegljf gebjerkpgfrjsk%Rdk gbbpkvvkv)k,lgjo Jbv ic {p ]iego Iccjfkv/ ]iego Rpgjejea Fkerkpv/Lgegaklker Bkskoixlker Fkerkp/ Iskpvkgv @pgefdkv/ Bjsjvjiego Iccjfkv geb govi goo@pgefd Iccjfkv qjrd g sjkq ri vxkkb {x rdk fill{ejfgrjie xpifkvv%

3%4*XGZLKER IC XPKLJ[L GEB XIOJFZ VRGR[V IE JERKPEKR$Zi{ dgsk ri pkajvrkp cip rdkvk vkpsjfkv*OJF dgv ajske jrv xiojfzdiobkpv g {ejw{k cgfjojrz ri xgz xpklj{lv rdpi{ad Jerkpekrg`vio{rkoz cpkk geb govi sjkq rdkjp xiojfz bkrgjov ie Jerkpekr xpklj{l


35/119

xgzlkerv%Rdkpk gpk 77 vkpsjfk xpisjbkpv qjrd qdil O J F dgv vjaekb rdk gapkklkerri xpisjbk rdjv vkpsjfk%

3%:*JECIPLGRJIE NJIVNVQk dgsk vkr {x 7;8 Jerkpgfrjsk Ri{fd vfpkke `gvkb L{orjlkbjg NJIVNV je xpjlkoifgrjiev je lkrpiv geb vilk lgmip fjrjkv cip bjvvkljegrjie jeciplgrjie ri akekpgox{òjf ie i{p xpib{frv geb vkpsjfkv% Rdkvk NJIVNV gpk kegòk ri xpisjbk xiojfz

bkrgjov geb gffkxr xpklj{l xgzlkerv%

3%78*JECI FKERPKVQk dgsk govi vkr {x 4 fgoo fkerpkv/ lgeekb `z vnjookb klxoizkkv ri xpisjbk zi{qjrd jeciplgrjie gì{r i{p Xpib{frv/ Xiojfz Vkpsjfkv/ @pgefd gbbpkvvkv geb irdkpipagej}grjiego jeciplgrjie%


36/119

GQGPBV

Qipob @pgeb Fieapkvv Gqgpb I[ROIIN LIEKZ ,, EBRS XPICJR GQGPB 088: je" @KVR OJCK JEV[PKP FGRKAIPZ "

EBRS XPICJR @[VVJEKVV OKGBKPVDJX/ GQGPBV 088: FE@F GQGG] FIEV[LKP GQGPB 088: cip" Livr xpkckppkb jev{pgefk filxgez "

GVJG XGFJCJF DPL Fieapkvv/ 088: Gqgpb cip JEEISGRJSK DP XPGFRJFKV @pgeb Kw{jrzLivr Rp{vrkb @pgeb 088: Rix je Jev{pgefk Fgrkaipz

Aiobke Xkgfifn Jeeisgrjsk Xpib{fr ) Vkpsjfk Gqgpb , 088: Oizgorz Gqgpb , 088:

Pkgbkp!v Bjakvr Rp{vrkb @pgeb Gqgpb/ 088: $ Xogrje{l fgrkaipz * FE@F Gqgg}Fiev{lkp Gqgpbv 0884

EBRS Xpicjr @{vjekvv Okgbkpvdjx Gqgpb 0884 JEBZ!v Vjoskp Gqgpb cip @kvrFipxipgrk Cjol

JEBZ!v Vjoskp Gqgpb cip @kvr" Je,di{vk Lgag}jek " EGVFIL JR [VKP Gqgpb 0884


37/119

@{vjekvv V{xkp`pgeb Jebjg 088: GVJG @PGEB FIEAPKVV @PGEB OKGBKPVDJX GQGPB/0884

DIEI[PKB @Z ZI[


38/119

Bp%Lgelidge VjeadXpjlk Ljejvrkp ic Jebjg

Vdpj%X%Fdjbgl`gpgl[ejie Cjegefk Ljejvrkp

Je rdk zkgp 7:;3/ 02; Jebjge geb cipkjae filxgejkv qkpk egrjiegoj}kb geb ribgz/rdk rdpkk okrrkpv OJF/ vrgebv gv g vzeiezl cip jev{pgefk/ cip vkpsjfkv/ cipktfkookefk je vrpkeardkejea rdk kfieiljf cj`pk ic rdjv fi{erpz% J bgpk ri vgz rdgrei irdkp rdpkk okrrkpv rgnke riakrdkp gpk lipk pkfiaejvkb ri rdk okeard geb`pkgbrd ic Jebjg rdge OJF%

Rdk xkpciplgefk cja{pkv ic OJF ajsk ge jebjfgrjie qdz OJF jv bkgp ri {v/ qdz OJFjv g Mkqko je i{p fpiqe geb qdz qk qjoo fierje{k ri e{pr{pk OJF geb apiq jr jeri gapkgr ipagej}grjie pkebkpjea vkpsjfk ri rdk xkixok ic Jebjg%

OJFv ciirxpjerv gpk eiq ri `k ci{eb je lgez irdkp fi{erpjkv je rdk qipob%Qdkpkskp Jebjgev ai , geb rdkz ai kskpzqdkpk eiq/ qdkpkskp Jebjgev gpk qkofilk ,geb rdkz gpk qkofilk je kskpz xgpr ic rdk qipob/ qdkpkskp Jebjgev vkrrok biqe rdkz dgsk ci{eb lgez ekq dilkv/ qdkpkskp Jebjgev ktfko geb rdkz ktfko je kskpzqgon ic ojck/ rdkz qger OJF rdkz qger OJF ri xpirkfr rdkl/ ri oiin gcrkp rdkjpvgsjeav/ geb xpisjbk cip xpirkfrjie gv qkoo gv rdkjp pkrjpklker%

X% Fdjbgl`gpgl[ejie Cjegefk LjejvrkpKtfkpxrv cpil vxkkfdkv gr rdk jeg{a{pgo c{efrjie ic OJFv Aiobke M{`jokkFkok`pgrjiev%O{fneiq/ Vkxrkl`kp 7/ 088;%


39/119

FIEFO[VJIE

Jev{pgefk jv ge jerkapgo xgpr ic gez xkpviego cjegefjgo xoge% Rdk rzxk ic

jev{pgefk geb rdk gli{er ic fiskpgak zi{ i`rgje goo bkxkebv ie zi{p {ejw{kcjegefjgo geb cgljoz fjpf{lvrgefkv/ geb l{vr `k ksgo{grkb fgpkc{ooz% Qdkefievjbkpjea x{pfdgvjea fiskpgak/ zi{ vdi{ob pksjkq goo rdk xirkerjgo pjvnv geb rdkcjegefjgo jlxgfr ic rdkvk pjvnv ie zi{p cjegefjgo dkgord% Rdjv qjoo dkox zi{bkrkpljek qdgr ixrjiev ri oiin cip geb qdgr w{kvrjiev ri gvn% Qdgr zi{ ekkb rinkkx je ljeb jv rdgr zi{ bi eir qger ri `k {ebkpjev{pkb ip iskpjev{pkb/ qdjfdlkgev zi{ dgsk ri bi zi{p dilkqipn `kcipk zi{ `{z% Geb gv qjrd gez rzxk iccjegefjgo xpib{fr/ zi{ l{vr pkgb rdk cjek xpjer geb fiev{or qjrd g filxkrkergbsjvip%

Okr!v pksjkq qdgr qk!sk okgpekb= Jev{pgefk jv g cipl jv pjvn lgegaklker je qdjfd rdk jev{pkb rpgevckpv rdkfivr ic xirkerjgo oivv ri geirdkp kerjrz je ktfdgeak cip liekrgpz filxkevgrjie

neiqe gv rdk xpklj{l%

Jev{pgefk qipnv `z xiiojea pjvnv% @kfg{vk rdk e{l`kp ic jev{pkb jebjsjb{govjv vi ogpak/ jev{pgefk filxgejkv fge {vk vrgrjvrjfgo gegozvjv ri xpimkfr qdgrrdkjp gfr{go oivvkv qjoo `k qjrdje rdk ajske fogvv% Rdjv gooiqv rdk jev{pgefkfilxgejkv ri ixkpgrk xpicjrg`oz geb gr rdk vglk rjlk xgz cip fogjlv rdgr lgzgpjvk%

[ebkpqpjrjea jv rdk xpifkvv ic ksgo{grjea rdk pjvn ri k jev{pkb% Rdjv jvbiek `z rdk jev{pkp qdke bkrkpljejea diq ojnkoz jr jv rdgr rdk oivv qjoo iff{p/diq l{fd rdk oivv fi{ob `k geb rdke {vjea rdjv jeciplgrjie ri bkrkpljek diq l{fdzi{ vdi{ob xgz ri jev{pk gagjevr rdk pjvn% %


40/119

:%7*PKCKPKEFK QK@VJRK

QQQ%OJFJEBJG%FIL

QQQ%DN,CB%FIL

QQQ%AIIAOK%FI%JE

drrx=))pkgoeki%{v)vzvrkl)cjokv)Ga,vdiq,dgjo,jev{pgefk

:%0*PKXIPRV=,

Qipob Jev{pgefk Pkxipr 088:

7%7*JERPIB[FRJIE

Jev{pgefk jv g fiskp {vkb cip xpirkfrjea iekvkoc cpil rdk pjvn ic g cjegefjgooivv% Jr jv jlxiprger ri {ebkpvrgeb rdgr pjvn jv g xgpr ic gez xkpviev ojck gebrdgr jr jefpkgvkv gv g xkpvie jefpkgvkv je gak/ pkvxievj`jojrz geb qkgord%Jev{pgefk jv pjvn fiskpgak gagjevr cjegefjgo oivvkv geb vdi{ob eir `k rgnke gv gejeskvrlker jevrp{lker%Rdkpk gpk lgjeoz rqi xgprjkv jesioskb je rdjv rdk jev{pkp geb rdk jev{pkb% Rdkjev{pkp jv rdk jev{pgefk filxgez qdi qjoo xpisjbk rdk fiskp ri rdk jev{pkb gagjevrgez cjegefjgo oivvkv% Rdk jev{pkb lgz `k ge jebjsjb{go xkpvie ip g api{x ic xkixokojnk ge klxoizkp/ lkl`kpv ic g vifjkrz/ krf%G xiojfz jv rdk fierpgfr `krqkke rdk jev{pkp geb rdk jev{pkb/ qdjfd vrgrkv rdk


41/119

pjvnv fiskpkb/ rdk ktfo{vjiev/ jc gez/ geb rdk `kekcjrv pkjl`{pvkb ie rdkdgxxkejea ic ge ksker ojnk bkgrd/ jooekvv krf% Rdk xiojfz jv xgjb rdpi{ad qdgr jvfgookb g xpklj{l/ qdjfd jv g vkr gli{er rdgr l{vr `k xgjb `z rdk jev{pkb ie glierdoz/ vklj,gee{go ip gee{go `gvjv% Ie rdk dgxxkejea ic ge ksker ojnk bkgrd/bjvg`jojrz/ cjpk/ krf/ cip qdjfd rdk jev{pkb jv fiskpkb/ rdk `kekcjr gli{er vrgrkbje rdk xiojfz fierpgfr fge `k fogjlkb `z rdk jev{pkb%7%0*Fogvvjcjfgrjie ic Jev{pgefkRdkpk gpk lgjeoz rqi `pigb fogvvkv ic Jev{pgefk Ojck geb Eie Ojck%

Ojck jev{pgefk xpib{frv jefo{bk Rkpl Ojck xiojfjkv/ qdjfd ajsk g x{pk pjvnfiskpgak ic ieoz rdk bkgrd `kekcjr/ qdkpkgv kebiqlker ip liekz `gfn xiojfjkv dgskg pjvn gv qkoo gv vgsjea

Documents

1.1)INTRODUCTION Insurance is a Cover Used For