ANALISIS STRATEGI PROMOSI KARTU KREDIT BANK RAKYAT INDONESIA

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    ELE@KWKW WYQEYMFK QOHOWK

    JEQY] JQMIKY AELJ QEJ[EY KLIOLMWKE

    O`mc

    KHEL ELCEQIK

    C195>7>;3

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    EAWYQEJ

    Khel Elceqik, C195>7>;3, Ele`kwkw Wyqeymfk ^qohowk Jeqy} Jqmiky Aelj

    Qej{ey Kliolmwke, Ik aevec akhaklfel Eai}` Aewkyc iel Beqkie Qeyle Imvk,

    Imvewe klk hew{eqejey Kliolmwke hmhk`kjk hkley {elf amweq ymqceie~

    jmamqeieel jeqy} jqmiky Yqmli ~mlff}leel jeqy} jqmiky ikymlfec hew{eqejey

    Kliolmwke ymq}w hmlfe`ehk ~mlklfjeyel {elf g}j}~ wkflkbkjel ieqk yec}l jm

    yec}l Ymqgeyey ceh~kq wm`}q}c aelj wje`e amweq ik yelec ekq ym`ec ymqd}l ie`eh

    akwlkw jeqy} jqmiky iel we`ec wey}l{e {eky} Aelj AQK Hmlfklfey w}iec ael{ejaelj {elf ym`ec hmlfm`}eqjel ~qoi}j wmq}~e hmlfceie~jel Aelj AQK ~eie

    kj`kh akwlkw imlfel yklfjey ~mqweklfel {elf yklffk ]ly}j hml{kje~k yelyelfel

    ymqwma}y Aelj AQK ~mq`} hml{ke~jel wyqeymfk ~qohowk {elf ym~ey f}le

    hmh~mqjmle`jel iel hmhaelf}l eveqmlmww ~eqe leweaec wmqye hew{eqejey ejel

    eiel{e ~qoi}j Aelj AQK {elf aeq} {eky} Jeqy} Jqmiky AQK wmcklffe ie~ey

    hmhelye~jel ~owkwkl{e ie`eh ~mqweklfel

    ^mlm`kykel klk amqy}d}el }ly}j 5+ Hmlfjedk eye} hmlfmyec}k jmfkeyel

    ~qohowk {elf ik`ej}jel o`mc Aelj AQK }ly}j ~qoi}j Jeqy} Jqmiky AQK, 1+hmlfkimlykbkjewk bejyoqbejyoq {elf hmh~mlfeq}ck jm~}y}wel ~ml{}w}lel

    wyqeymfk ~qohowk Jeqy} Jqmiky AQK iel 7+ Hmlgeqk e`ymqleykb wyqeymfk ~qohowk {elf

    ym~ey }ly}j Jeqy} Jqmiky AQK ^mlm`kykel klk ik`ejwelejel ~eie ^Y Aelj Qej{ey

    Kliolmwke #^mqwmqo+ Yaj, jelyoq ~}wey, {elf amq`ojewk ik D`l Dmliqe` W}ikqhel

    Jer`klf 99(92, Dejeqye Ieye {elf ikf}lejel }ly}j ~mlm`kykel klk amq}~e ieye

    ~qkhmq iel ieye wmj}limq D}h`ec qmw~oliml ymqikqk ieqk 9 oqelf ~ejeq {eky} {eky}

    Cmei ob Gqmiky Geqi A}wklmww Imrm`o~hmly Im~y,Cmei ob Gqmiky Geqi We`mw "

    Fmlmqe` Ebbekqw Im~y, iel i}e oqelf Wyebb Jeqy} Jqmiky AQK ^mlfo`ecel ieyeik`ej}jel imlfel hmlff}lejel hmyoim EC^, imlfel aely}elMs~mqy Gcokgm iel

    Hkgqowoby Msgm`

    Ejykrkyew ~qohowk ymq~ei} Jeqy} Jqmiky AQK {elf wmde}c klk ym`ec

    ik`ejwelejel o`mc Aelj AQK ymqjm`oh~ojel jm ie`eh `khe ae}qel ~qohowk, {eky}

    ~mqkj`elel, ~mqwole` wm``klf, ~qohowk ~mld}e`el, ~}a`kwkyew iel c}a}lfel

    hew{qejey iel ~mheweqel `elfw}lf Bejyoq(bejyoq {elf ymqkimlykbkjewk wmaefek

    bejyoq ~ml{}w}l wyqeymfk ~qohowk Jeqy} Jqmiky AQK ymqikqk ieqk mleh bejyoq

    Eie~}l jmmleh bejyoq {elf ikhejw}i {eky} elffeqel ~qohowk, w}hamq ie{e

    hel}wke, jeqejymqkwykj ~qoi}j, jeqejymqkwykj ~eweq, WY^ iel ~mqweklfel Ieqk

    ~mlfo`ecel EC^ ikie~eyjel aecve WY^ hmq}~ejel bejyoq ~qkoqkyew }yehe {elf

    hmh~mlfeq}ck ~ml{}w}lel wyqeymfk ~qohowk Jeqy} Jqmiky AQK #>,1=2+

    E`ymqleykb wyqeymfk ~qohowk aefk Jeqy} Jqmiky AQK {eky} #E+ hmlklfjeyjel

    bqmj}mlwk/klymlwkyew ~qohowk eaorm ycm `klm, jc}w}wl{e kj`el ~eie hmike

    m`mjyqolkj he}~}l hmike gmyej: #A+ @makc ~qoejykb ie`eh hm`ej}jel ~mqwole`

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    ELE@KWKW WYQEYMFK QOHOWK

    JEQY] JQMIKY AELJ QEJ[EY KLIOLMWKE

    WJQK^WK

    Wmaefek we`ec wey} w{eqey }ly}j hmh~mqo`mc fm`eq

    WEQDELE MJOLOHK

    ~eie Im~eqymhml Heledmhml

    Bej}`yew Mjolohk iel Heledmhml

    Klwyky}y ^mqyelkel Aofoq

    O`mc

    KHEL ELCEQIK

    C195>7>;3

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    KLWYKY]Y ^MQYELKEL AOFOQ

    BEJ]@YEW MJOLOHK IEL HELEDMHML

    IM^EQYMHML HELEDMHML

    ELE@KWKW WYQEYMFK QOHOWK

    JEQY] JQMIKY AELJ QEJ[EY KLIOLMWKE

    WJQK^WK

    Wmaefek we`ec wey} w{eqey }ly}j hmh~mqo`mc fm`eq

    WEQDELE MJOLOHK

    ~eie Im~eqymhml Heledmhml

    Bej}`yew Mjolohk iel Heledmhml

    Klwyky}y ^mqyelkel Aofoq

    O`mc

    KHEL ELCEQIK

    C195>7>;3

    Hml{my}d}k, D}`k 1>>6

    Kq Eai}` Aewkyc, HWg Beqkie Qeyle Imvk, WM, HH

    Iowml ^mhakhaklf 5 Iowml ^mhakhaklf 1

    Hmlfmyec}k,

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    QKVE[EY CKI]^

    ^ml}`kw amqlehe Khel Elceqik, ik`eckqjel ik Amjewk ~eie yelffe` 59 Hmk

    5;3= ieqk ~ewelfel Jmhel Qew{ki iel Beqik``e ^ml}`kw hmq}~ejel elej jmi}e

    ieqk mh~ey amqwe}ieqe

    ^ml}`kw hml{m`mwekjel ~mlikikjel ik Wmjo`ec Ieweq Lmfmqk L}we Kliec

    Amjewk ~eie yec}l 5;;5 weh~ek imlfel yec}l 5;;6, Wmjo`ec @eld}yel Yklfjey^mqyehe Lmfmqk 51 Amjewk ~eie yec}l 5;;6 weh~ek imlfel yec}l 1>>>, iel

    hm`eld}yjel ~mlikikjel ik Wmjo`ec Hmlmlfec ]h}h Lmfmqk 65 Dejeqye ~eie

    yec}l 1>>> weh~ek imlfel yec}l 1>>7 ^eie yec}l 1>>7, ~ml}`kw ikymqkhe ik

    Klwyky}y ^mqyelkel Aofoq hm`e`}k de`}q ]dkel Wm`mjwk Hew}j K^A #]WHK+ ik

    Im~eqymhml Heledmhml, Bej}`yew Mjolohk iel Heledmhml

    Wm`ehe hmlde`elk ~mqj}`kecel, ~ml}`kw amq~eqykwk~ewk ejykb ie`eh

    oqfelkwewk jmhecewkwveel, {eky} Aeiel Mjwmj}ykb Hecewkwve Bej}`yew Mjolohk

    iel Heledmhml, Klwyky}y ^mqyelkel Aofoq ~eie ~mqkoim 1>>9(1>>= iel 1>>=(1>>2

    hmldeaey wmaefek wyebb im~eqymhml JJC}hew iel ckh~}lel ~qobmwk Im~eqymhml

    Heledmhml, Bej}`yew Mjolohk iel Heledmhml, Klwyky}y ^mqyelkel Aofoq {elf

    amqlehe Gmlymq Ob Helefmhmly #GOHN+ hmldeaey wmaefek wyebb ikqmjyoqey

    W}hamq Ie{e Hel}wke ~eie ~mqkoim yec}l 1>>9(1>>= Wm`ehe hewe j}`kec

    ~ml}`kw d}fe ejykb ie`eh jm~elkykel amamqe~e egeqe ik bej}`yew he}~}l

    im~eqymhml

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    JEYE ^MLFELYEQ

    ^}dk w{}j}q ~ml}`kw ~eldeyjel jm ceikqey E``ec WVY {elf ym`ec

    hm`kh~ecjel qechey, ckie{ec, wmqye ~mqyo`olfel(L{e, wmcklffe ~ml}`kw ie~ey

    hml{m`mwekjel ~ml{}w}lel wjqk~wk klk {elf amqd}i}` Ele`kwkw Wyqeymfk ^qohowk

    Jeqy} Jqmiky Aelj Qej{ey Kliolmwke Wjqk~wk klk ikw}w}l wmaefek w{eqey }ly}j

    hmh~mqo`mc fm`eq Weqdele Mjolohk ~eie Im~eqymhml Heledmhml, Bej}`yewMjolohk iel Heledmhml, Klwyky}y ^mqyelkel Aofoq

    ^eie jmwmh~eyel klk, ~ml}`kw klfkl hml{eh~ekjel }lfje~el ymqkhe jewkc

    jm~eie4

    5 Kq Eai}` Aewkyc, HWg iel Beqkie Qeyle Imvk, WM, HH wmaefek iowml~mhakhaklf {elf ym`ec hm`}elfjel vejy} imlfel ~ml}c jmweaeqel

    hmhamqkjel akhaklfel, hmhaefkjel k`h}, hoykrewk, weqel iel ~mlfeqecel

    jm~eie ~ml}`kw weqel ie`eh ~ml{mh~}qleel wjqk~wk klk

    1 H}jcehei Ledka, WY^, HH eyew jmwmikeell{e }ly}j hmldeik iowml ~mlf}dkiel hmhamqkjel ioe qmwy}, wmhelfey iel jewkc we{elf jm~eie ~ml}`kw

    7 Iq Kq Dolo H H}lelieq, HWg wm`ej} Jmy}e Im~eqymhml Heledmhml,wm`}q}c wyeb iowml ~mlfedeq iel jeq{evel/veyk Im~eqymhel Heledmhml,

    Bej}`yew Mjolohk iel Heledmhml, Klwyky}y ^mqyelkel Aofoq

    9 Jmi}e oqelf y}ej} #Ae~ej iel Hehec+ iel wm`}q}c jm`}eqfe amweq {elfwm`e`} hmhamqkjel ioe qmwy}, wmhelfey iel jewkc we{elf jm~eie ~ml}`kw

    = H{ wkwymqeliH{ aqoycmq#Hae Iklk, W{kbe iel Iebe+K voob {o} wo h}gc2 Ae~ej Vec{}ik Ieqhevel eyew jmwmikeell{e }ly}j hm`ej}jel vevelgeqe

    iel hmhamqkjel vejy}, ~kjkqel iel klboqhewk {elf amqeqyk aefk ~ml}`kw

    6 H{ foqfmo}w bqml I{el, Yv, Kqbel, Dmlf Akym`, Dmlf Kqhe, Klelj iel Gckhmy3 Ycm Gck``mqw #E`io, Elik, Ceummh, Qkgo iel Qko+Ycm vco`m ~ewy 1 {meqw cew

    amml el ehetklf {meqw boq hm amge}wm ob {o} f}{w Ycels } wo h}gc

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    51Qmjel wey} akhaklfel #Wm~yk iel Kkl+ }ly}j jmqdewehe iel hoykrewk wm`eheakhaklfel iel jolw}`yewk wjqk~wk

    57Khelkth 4 H~oj @klie, Rkgje, Wmjeq, Elikml, Mre, Imwy{, Kgce, H{e,Ewyqki, Khm`, Hkqe, Ykje, @klie Lmlmj, ^ew}w, Vckle, Ykle, Myy{ Qoll{,

    Ae{}, Imik iel qmjel qmjel heledmhml `ekll{e }ly}j ~mqweceaeyel iel

    jmgmqkeell{e wm`ehe 9 yec}l ik hewe ~mqj}`kecel

    59Ymeh Dere 5 eliDere 1 4 Hew Wkol #Ycm W}~mqrkwoq+, Hew Gcebki #YcmMikyoq+, Mrkm, Kqhe, DV, Fmfm eli ycm amf}lie`w Ycels boq ycm w}~~oqy

    RKRE DERE

    5=^kcej(~kcej `ekl {elf ykiej ie~ey ikwma}yjel wey} ~mq wey} {elf ym`ec kj}yhmhaely} wm`ehe ~ml{}w}lel wjqk~wk klk

    ^ml}`kw hml{eieqk aecve wjqk~wk klk hewkc de}c ieqk jmwmh~}qleel O`mc

    jeqmle ky}, imlfel wmfe`e jmqmliecel ceyk ~ml}`kw hmlfceqe~jel jqkykj iel weqel{elf amqwkbey hmhaelf}l }ly}j ikdeikjel aecel ~mqaekjel ie`eh ~ml}`kwel {elf

    `makc aekj `efk

    Aofoq, D}`k 1>>6

    ^ml}`kw

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    IEBYEQ KWK

    Ce`ehel

    EAWYQEJ

    QKVE[EY CKI]^ ,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, kkk

    JEYE ^MLFELYEQ ,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, kr

    IEBYEQ KWK ,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, rk

    IEBYEQ YEAM@ ,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, ks

    IEBYEQ FEHAEQ ,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, s

    IEBYEQ @EH^KQEL ,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,, sk

    K, ^MLIEC]@]EL55 @eyeq Am`ejelf Hewe`ec 551 ^mq}h}wel Hewe`ec 957 Y}d}el ^mlm`kykel =59 Helbeey ^mlm`kykel =5= Aeyewel ^mlm`kykel 2

    KK, YKLDE]EL ^]WYEJE15 Aelj 611 Jeqy} Jqmiky 317 Jolwm~ ^mheweqel Dewe 3

    175 ^mheweqel 3

    171 Dewe ;

    177 ^mheweqel Dewe ;

    179 Ae}qel mheweqel Dewe 5>

    17= Wmfhmlyeykol, Yeqfmyklf iel ^owkykolklf #WY^+ 51

    19 ^qohowk 571= Ae}qel ^qohowk 5=

    1=5 ^mqkj`elel 5=1=1 ^mld}e`el ^mqwole` #^mqwole` Wm``klf+ 56

    1=7 ^qohowk mld}e`el 53

    1=9 ^}a`kwkyew iel C}a}lfel Hew{eqejey 5;

    1== ^mheweqel @elfw}lf 1>

    12 ^mqmlgeleel ^qohowk 151 2 5 ^ Y d ^ k 15

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    13 Hoim` EC^ #Ele`{ykge` Ckmqeqgc{ ^qogmww+ 13135 ^qklwk~ Jmqde EC^ 1;

    131 @elfjec@elfjec mlff}leel EC^ 7>137 Jm}ly}lfel EC^ 72

    1; ^mlm`kykel Ymqiec}`} 76

    KKK,HMYOIO@OFK MLM@KYKEL75 Jmqelfje ^mhkjkqel Jolwm~y}e` 7;71 Vejy} iel Ymh~ey ^mlm`kykel 9577 Hmyoim ^mlm`kykel 91

    775 Hmyoim ^mlfehak`el Ieye 91771 Hmyoim ^mlfehak`el Weh~m` 91777 Hmyoim ^mlfo`ecel iel Ele`kwkw Ieye 97

    KR,CEWK@ IEL ^MHAECEWEL95 Fehaeqel ]h}h ^mq}weceel 99

    955 Wmdeqec ^mq}weceel 99951

    Rkwk iel Hkwk ^mq}weceel 9=957 A}ie{e ^mq}weceel 92

    959 Wyqeymfk ]wece 96

    95= ]lky Jmqde 96

    91 Jeqy} Jqmiky AQK 96915 ^qobk` Jeqy} Jqmiky AQK 96

    911 Rkwk iel Hkwk Jeqy} Jqmiky AQK 93

    917 Yk~m Jeqy} Jqmiky AQK 93

    919 W`ofel Jeqy} Jqmiky AQK 9;

    91= Jm}ly}lfel Jeqy} Jqmiky AQK =>

    97 Jmfkeyel Wyqeymfk qohowk Jeqy} Jqmiky AQK =5975 Jmfkeyel Ae}qel ^qohowk Jeqy} Jqmiky AQK Weey Klk =5

    9755 ^mqkj`elel =5

    9751 ^mld}e`el ^qkaeik #^mqwole` Wm``klf+ =6

    9757 ^qohowk ~mld}e`el 25

    9759 ^}a`kwkyew iel C}a}lfel Hew{eqejey 2=

    975= ^mheweqel @elfw}lf #Ikqmgy Heqjmyklf+ 2;

    971 ^mhake{el ^qohowk Jeqy} Jqmiky AQK 6199 Ele`kwkw ^mhk`kcel Wyqeymfk ^qohowk 67

    995 Ele`kwkw Bejyoq(Bejyoq ml{}w}l Wyqeymfk ^qohowk

    Jeqy} Jqmiky AQK 67

    991 Ejyoq {elf Amq~mlfeq}c ie`eh Wyqeymfk ^qohowk

    Jeqy} Jqmiky AQK 66

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    JMWKH^]@EL IEL WEQEL

    5, Jmwkh~}`el ;31, Weqel ;;

    IEBYEQ ^]WYEJE 5>>

    @EH^KQEL 5>1

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    IEBYEQ YEAM@

    Lo, Ce`ehel

    5 Yqmli Akwlkw Jeqy} Jqmiky 11 Jeqejymqkwykj Hmike 177 Lk`ek Aeliklf Wje`e Amq~ewelfel 719 Heyqkjw ^mlie~ey Klikrki} 77= Heyqkjw ^mlie~ey Fea}lfel 792 Yeam` Klimjw Egej 726 Ieye ^mq}weceel }ly}j Jmfkeyel Goq~oqeym Wm``klf =;3 W}w}lel Aoaoy iel ^qkoqkyew Cewk` ^mlfo`ecel Coqktolye` elyeq M`mhml

    ~eie Yklfjey 7 #M`mhml Ejyoq ^ml{}w}l Wyqeymfk ^qohowk+ 37

    ; W}w}lel Aoaoy iel ^qkoqkyew Cewk` ^mlfo`ecel Coqktolye` elyeq M`mhml~eie Yklfjey 9 #M`mhml Y}d}el Wyqeymfk ^qohowk+ 32

    5>W}w}lel Aoaoy iel ^qkoqkyew Cewk` ^mlfo`ecel Coqktolye` elyeq M`mhml~eie Yklfjey = #M`mhml E`ymqleykb Wyqeymfk ^qohowk+ 36

    55Aoaoy iel ^qkoqkyew Bejyoq(Bejyoq ^ml{}w}l Wyqeymfk ^qohowkJeqy} Jqmiky AQK 3;

    51Aoaoy iel ^qkoqkyew Ejyoq {elf Amq~mqel ie`eh ^mlfehak`el Jm~}y}welWyqeymfk ^qohowk Jeqy} Jqmiky AQK ;5

    57 Aoaoy iel ^qkoqkyew Y}d}el Wyqeymfk ^qohowk Jeqy} Jqmiky AQK ;7

    59 Aoaoy iel ^qkoqkyew E`ymqleykb Wyqeymfk ^qohowk Jeqy} Jqmiky AQK ;=

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    IEBYEQ FEHAEQ

    Lo, Ce`ehel

    5 Wyq}jy}q Ckqeqjk @mlfje~ 751 Jmqelfje ^mhkjkqel 957 Wyq}jy}q Ckqeqjk ^mhk`kcel Wyqeymfk ^qohowk 3>9 Cewk` ^mlfo`ecel Rmqykje` Wyq}jy}q Ckqeqjk ^mhk`kcel E`ymqleykb

    Wyqeymfk ^qohowk Jeqy} Jqmiky AQK 33

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    IEBYEQ @EH^KQEL

    Lo, Ce`ehel

    5 J}mwkolmq ~mlm`kykel 5>1

    1 Wyq}jy}q Oqfelkwewk Golw}hmq Aeljklf 556

    7 Wyq}jy}q Oqfelkwewk Ikrkwk Gqmiky Geqi 553

    9 Golyoc Cewk` ^mlfo`ecel Coqkwolye` EC^ 55;

    = Golyoc Cewk` ^mlfo`ecel Rmqykje` EC^ 51>

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    K, ^MLIEC]@]EL

    5,5, @eyeq Am`ejelf

    Wmyke~ hel}wke hm`ej}jel yqelwejwk }ly}j ~mhml}cel jma}y}cel

    cki}~l{e ^eie tehel iec}`} hel}wke hm`ej}jel yqelwejwk imlfel wma}ec

    wkwymh {elf iklehejel aeqymq Leh}l, imlfel ikymh}jell{e heye }elf

    heje wkwymh aeqymq klk wmgeqe oyoheykw ymqfelykjel Heye }elf ikf}lejel

    wmaefek e`ey y}jeq }ly}j hmham`k ~qoi}j eye} dewe f}le ~mhml}cel

    jma}y}cel cki}~ Wmkqklf imlfel ~mqjmhaelfel tehel heje fe{e cki}~

    hel}wke d}fe kj}y hmlfe`ehk ~mq}aecel Hoak`kyew cki}~ {elf yklffk imlfel

    fe{e cki}~ {elf wmhejkl hoimql hml{maeajel hel}wke hmlfklfkljel e`ey(

    e`ey yqelwejwk `ekll{e {elf `makc ~qejykw iel ehel ]ly}j hmlelffe~k

    jolikwk ymqwma}y heje ymqgk~ye`ec jeqy} ~`ewykj {elf ikf}lejel }ly}j

    ~ml{m`mwekel yqelwejwk qkym`

    Ik Kliolmwke wmlikqk ~mlff}leel jeqy} ~`ewykj }ly}j yqelwejwk

    jm}elfel h}`ek amqjmhaelf ~eie yec}l 5;3>(el Wmde`el imlfel eiel{e

    ~mqjmhaelfel `}eq akewe ieqk i}lke ~mqaeljel wmaefek ejkaey eiel{e

    imqmf}`ewk mjolohk iel ~mqaeljel h}`ek yec}l 5;3>(el, jeqy} ~`ewykj ~}l

    wmhejkl `}ew ikf}lejel wmaefek e`ey }ly}j hm`ej}jel yqelwejwk jm}elfel

    #Yqkelieq} " A}ikwelyowo, 1>>2+ Eie~}l we`ec wey} amly}j jeqy} ~`ewykj

    {elf g}j}~ hmlie~ey woqoyel ieqk hew{eqejey iel ymq}w hmlfe`ehk

    ~mqjmhaelfel eie`ec jeqy} jqmiky Jeqy} jqmiky hmq}~ejel jeqy} ~`ewykj {elf

    ikymqakyjel o`mc `mhaefe jm}elfel iel ie~ey ikf}lejel wmaefek e`ey

    ~mhae{eqel yqelwejwk ~mham`kel aeqelf iel dewe {elf ~mhae{eqel

    ~m`}lewell{e ie~ey ik`ej}jel o`mc ~mham`k wmgeqe wmje`kf}w eye} elfw}qel

    Imvewe klk hew{eqejey Kliolmwke hmhk`kjk hkley {elf amweq ymqceie~

    jmamqeieel jeqy} jqmiky Yqmli ~mlff}leel jeqy} jqmiky ik ymlfec hew{eqejey

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    Yeam` 5 Yqmli Akwlkw Jeqy} Jqmiky

    Amqieweqjel d}h`ec jeqy}, ro`}hm yqelwejwk iel lk`ek yqelwejwk

    Yec}lDmlkwJeqy}

    Ieye

    1>>1 1>>7 1>>9 1>>=

    Jeqy}

    Jqmiky

    D}h`ec Jeqy}

    Ro`}hmYqelwejwk

    Lk`ek Yqelwejwk

    #Jeqy}+

    #Yqelwejwk+

    #Q~Yqk`k}l+

    9,555,=65

    ==,612,2==

    19,999

    9,=5=,219

    27,227,273

    13,>=;

    =,=>1,522

    31,59;,=65

    76,296

    2,=>1,6=7

    ;3,>29,2>=

    ==,=2;

    W}hamq 4 Aelj Kliolmwke ie`eh WVE, 1>>2

    Yklfjey ~mqy}ha}cel akwlkw jeqy} jqmiky {elf wmgeqe wkflkbkjel

    hmlfe`ehk jmlekjel ieqk yec}l jm yec}l ie~ey hml}ld}jel aecve ie{e am`k

    hew{eqejey d}fe wmhejkl hmlklfjey Ce` ymqwma}y hmldeik wma}ec klikjeyoq

    ~owkykb aefk ~m`ej} akwlkw jeqy} jqmiky ejel ~mqy}ha}cel jeqy} jqmiky {elf

    ejel wmhejkl ~qow~mjykb jmim~ell{e Ymqgeyey ceh~kq wm`}q}c aelj wje`e

    amweq ik yelec ekq ym`ec ymqd}l ie`eh akwlkw jeqy} jqmiky iel we`ec wey}l{e {eky}

    Aelj AQK

    Ymqcky}lf wmdej yelffe` 11 bmaq}eqk 1>>2 ^Y Aelj Qej{ey Kliolmwke

    #^mqwmqo+ Yaj hmlfm`}eqjel ~qoi}j jeqy} jqmikyl{e Jeqy} Jqmiky AQK

    hmq}~ejel jmqdewehe Aelj AQK imlfel HewymqGeqi Klymqlewkole` {elf

    hmq}~ejel ~mhkh~kl wkwymh ~mhae{eqel {elf ikymqkhe ik wm`}q}c i}lke

    Imlfel hmlfmim~eljel jm~}ewel iel jmh}iecel aefk ~eqe leweaecl{e

    Jeqy} Jqmiky AQK ie~ey ikf}lejel }ly}j amqyqelwejwk ikwm`}q}c deqklfel

    o}y`my #hmqgcely+ {elf amq`ofo HewymqGeqi iel d}fe hm`ej}jel ~mleqkjel

    y}lek ikwm`}q}c EYH amq`ofo HewymqGeqi/Hemwyqo/Gkqq}w {elf ymqwmaeq ik

    wm`}q}c i}lke Jeqy} Jqmiky AQK ymqikqk ieqk ykfe yk~m {eky} jeqy} Wyelieqi,

    jeqy} Fo`iiel jeqy} ^`eykl}h

    Aelj AQK {elf wm`ehe klk iklk`ek j}ey iel boj}w imlfel wmfhml

    hmlmlfec jmaevec iel d}fe ]HJH #]wece Hkjqo Jmgk` iel Hmlmlfec+

    hmldeikjel Jeqy} Jqmiky AQK wmaefek b`ef geqqkmq aefk Aelj AQK }ly}j

    hew}j d}fe jm ~eweq joye(joye amweq hm`e`}k ~qoi}j {elf joh~mykykb iel

    h}iec ikymqkhe o`ec wmh}e je`elfel ]ly}j yeqfmy eve` leweaec jeqy} jqmiky

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    eve` {eky} ~eie yec}l 1>>2 ikyeqfmyjel =>>>> oqelf ieqk 7> d}ye leweaec

    ejel hew}j wmaefek ~mhmfelf Jeqy} Jqmiky AQKAelj AQK }ly}j yeqfmy eve` leweaec jeqy} jqmikyl{e hmhakikj ~eweq

    ieqk je`elfel klymqle` {eky} leweaec AQK/]HJH AQK Ce` klk ik`ej}jel

    Aelj AQK hmlfklfey ~kcejl{e hmhk`kjk gowy}hmq aewm {elf g}j}~ amweq

    {eky} wmjkyeq 7> d}ye leweaec ^eie yece~ eve` {eky} ~eie yec}l 1>>2

    ikyeqfmyjel =>>>> oqelf ieqk 7> d}ye leweaec ejel hew}j wmaefek ~mhmfelf

    Jeqy} Jqmiky AQK Ieqk yqelwejwk jeqy} jqmiky klk Aelj AQK hmlfceqe~jel

    eiel{e yehaecel bmm aewmi klgohm wmamweq Q~ 1 hk`keqQ~ 7 hk`keq

    Hmlfklfey w}iec ael{ej aelj {elf ym`ec hmlfm`}eqjel ~qoi}j

    wmq}~e hmlfceie~jel Aelj AQK ~eie kj`kh akwlkw imlfel yklfjey ~mqweklfel

    {elf yklffk Hml}q}y wma}ec eqykjm` ie`ehKlrmwyoq Iek`{ hmlmfewjel aecve

    aeljaelj ~e~el eyew wmielf fkey hm`ej}jel mjw~elwk ikakielf jeqy} jqmikyYmqgeyey ~mhmfelf Jeqy} Jqmiky Helikqk ym`ec hmlge~ek 5 d}yeel oqelf,

    imlfel lk`ek yqelwejwk weh~ek yec}l 1>>2 hmlge~ek Q~ 7 yqk`k}l ]ly}j yec}l

    1>>6 Aelj Helikqk amqehakwk }ly}j hmqekc 5,1 d}ye ~mhmfelf jeqy} Aelj

    ALK {elf ymqgeyey wmaefek aelj imlfel w}j} a}lfe ~e`klf qmliec weh~ek

    imlfel yec}l 1>>2 hmheyoj ~mqy}ha}cel jeqy} jqmiky wmamweq 5=1> - ~eie

    yec}l 1>>6, hmldeik 5,7 d}ye ~mhmfelf jeqy} Ieqk wkwk yqelwejwk Aelj ALK

    o~ykhkw ejel y}ha}c 7>- ieqk Q~ = yqk`k}l hmldeik Q~ 2,= yqk`k}l WGA

    #Wyelieqy Gceqymi Aelj+ imlfel wmfhml ~qmhk}h weh~ek yec}l 1>>2

    hmh~}l{ek ~mhmfelf jeqy} wmael{ej 1=>>>> oqelf iel hmleqfmyjel

    jmlekjel 9>- }ly}j yec}l 1>>6 Wmaefek yehaecel, ~mq Wm~ymhamq 1>>2

    ~mhmfelf jeqy} jqmiky Aelj Lkefe ymqgeyey 13>>>> oqelf

    Aelj AQK wmlikqk g}j}~ o~ykhkw ejel ~mqy}ha}cel jeqy} jqmikyl{e jm

    im~el Aecjel }ly}j yec}l 1>>6, Aelj AQK hmleqfmyjel ~mqy}ha}cel

    d}h`ec ~mhmfelf jeqy} wmamweq 7 je`k `k~ey ieqk =>>>> hmldeik 5=>>>>

    oqelf Ce` klk hmq}~ejel yelyelfel aefk Aelj AQK jmim~ell{e O`mc jeqmle

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    Jeqy} Jqmiky AQK Ce` klk welfey ~mlyklf ik`ej}jel jeqmle ejel welfey

    amq~mlfeq}c ymqceie~ jm`elfw}lfel ~mqy}ha}cel Jeqy} Jqmiky AQK jmim~el

    5,1, ^mq}h}wel Hewe`ec

    Wmaefek }~e{e }ly}j ymq}w hml{mw}ekjel ikqk imlfel ~mqjmhaelfel

    ymjlo`ofk iel d}fe y}ly}yel ieqk leweaec, hmlioqolf Aelj AQK }ly}j ymq}w

    amq}~e{e hm`ej}jel ~mlfmhaelfel ie`eh ~qoi}j~qoi}j ~mqaeljell{e

    We`ec wey} ~qoi}j ~mqaeljel {elf ikjm`}eqjel o`mc Aelj AQK f}le

    hml{mw}ekjel jolikwk ymqwma}y {eky} Jeqy} Jqmiky AQK

    Aelj AQK ymqfo`olf ~mhekl aeq} ie`eh akwlkw jeqy} jqmiky Aelj(aelj

    ~e~el eyew ik Kliolmwke wm~mqyk Aelj Helikqk, Aelj ALK, Aelj AGE, iel

    Aelj Lkefe ym`ec hmlfm`}eqjel jeqy} jqmiky ymq`makc iec}`} ikaeliklfjel

    imlfel Aelj AQK ^mqweklfel ie`eh akwlkw klk wmhejkl yedeh imlfel y}q}y

    wmqyel{e aelj ewklf {elf d}fe ym`ec hmlmqakyjel jeqy} jqmiky wm~mqyk Gkykaelj,

    CWAG iel WGA Aecjel Gkykaelj weh~ek yec}l 1>>2 ymqgeyey wmaefek aelj

    imlfel d}h`ec ~mhmfelf jeqy} ymqael{ej ik Kliolmwke imlfel d}h`ec

    ~mhmfelf jeqy} hmlge~ek 5,= d}ye oqelf eye} hmlf}ewek wmjkyeq 7=- ieqk

    ~elfwe ~eweq Weh~ek yec}l 1>>2 wmlikqk ymqgeyey w}iec ymqie~ey 11 aelj {elf

    ymqd}l ie`eh akwlkw jeqy} jqmiky ik Kliolmwke

    Yklfjey joh~mykwk akwlkw jeqy} jqmiky ik Kliolmwke ~}l jkel

    amqjmhaelf jm eqec {elf hejkl joh~mykykb Ce` klk ie~ey ymq`kcey ieqk

    fmlgeql{e kj`el iel jmfkeyel ~qohowk `ekll{e {elf ik`ej}jel o`mc ~eqe

    ~mweklf, aekj ~qohowk {elf amqwkbey eaorm ycm `klm he}~}l am`ov ycm `klm

    Ikyehaec `efk, imvewe klk d}fe ymq`kcey aecve ~eqe ~mlmqaky jeqy} jqmiky

    wmielf amq`ohae(`ohae }ly}j hmleqkj hkley ~}a`kj imlfel hm`}lg}qjel

    amqaefek hegeh ~qofqeh ~qohowk ~mld}e`el, h}`ek ieqk ~qofqeh hmqgcely

    ikwgo}lyweh~ek imlfel =>- #a}{ olm fmy olm bqmm+, ~okly qmveqi, ~qofqeh

    gkgk`el >- iel {elf wmielf yqmli weey klk {eky} ~mhamqkel gewcaegj

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    =

    jq}wke` aefk Aelj AQK }ly}j hmlfceie~k ~mqweklfel ~eie akwlkw jeqy} jqmiky

    klk ]~e{e }ly}j hmh~mqjmle`jel iel hmhaelf}l eveqmlmww Jeqy} JqmikyAQK jmymlfec ~}a`kj ie`eh qelfje }ly}j hmhelye~jel ~owkwkl{e ie`eh

    ~mqweklfel ik akwlkw jeqy} jqmiky ie~ey ymqge~ek hm`e`}k wyqeymfk ~qohowk {elf

    ym~ey

    Ieqk }qekel ikeyew heje ie~ey ikq}h}wjel ~mqhewe`ecel {elf ykha}`

    eie`ec wmaefek amqkj}y 4

    5 Aefekhele jmfkeyel ~qohowk {elf ik`ej}jel Aelj AQK }ly}j ~qoi}jJeqy} Jqmiky AQK ?

    1 Bejyoqbejyoq e~e wede {elf hmh~mlfeq}ck ~ml{}w}lel wyqeymfk ~qohowkJeqy} Jqmiky AQK?

    7 E`ymqleykb wyqeymfk ~qohowk e~ejec {elf ~e`klf ym~ey }ly}j ikymqe~jel ikAelj AQK }ly}j Jeqy} Jqmiky AQK?

    5,7, Y}d}el ^mlm`kykel

    Hmlfeg} ~eie ~mq}h}wel hewe`ec wm~mqyk {elf ym`ec ik}qekjel ikeyew,

    heje y}d}el ~mlm`kykel klk eie`ec 4

    5 Hmlfjedk eye} hmlfmyec}k jmfkeyel ~qohowk {elf ik`ej}jel o`mc aeljAQK }ly}j ~qoi}j Jeqy} Jqmiky AQK

    1 Hmlfkimlykbkjewk bejyoqbejyoq {elf hmh~mlfeq}ck jm~}y}wel~ml{}w}lel wyqeymfk ~qohowk Jeqy} Jqmiky AQK

    7 Hmlgeqk e`ymqleykb wyqeymfk ~qohowk {elf ym~ey }ly}j Jeqy} Jqmiky AQK5,9, Helbeey ~mlm`kykel

    Helbeey ~mlm`kykel, aekj helbeey `elfw}lf he}~}l helbeey ykiej

    `elfw}lf {elf ie~ey ikehak` ieqk ~ml}`kwel wjqk~wk klk eie`ec 4

    5 Aefk ~mq}weceel ikceqe~jel cewk` ~mlm`kykel klk amqf}le wmaefek hew}jeliel qmjohmliewk {elf ~ey}y ik~mqykhaelfjel lelykl{e

    1 Aefk ~mlm`kyk, hmlie~eyjel helbeey ~qejykw amq}~e yehaecel vevewel

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    5,=, Aeyewel ^mlm`kykel

    ^mlm`kykel klk ymqaeyew cel{e ~eie ~mhaecewel hmlfmlek jmfkeyel~qohowk ymq~ei} ~mq}weceel iel ae}qel ~qohowk {elf ik`ej}jel, {eky}

    ~mqkj`elel #eirmqykwklf+, ~mld}e`el ~qkaeik #~mqwole` wm``klf+, ~qohowk

    ~mld}e`el #we`mw ~qohoykol+, ~}a`kwkyew iel c}a}lfel hew{eqejey #~}a`kgky{

    eli ~}a`kg qm`eykol+, iel ~mheweqel `elfw}lf #ikqmgy heqjmyklf+

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    KK, YKLDE]EL ^]WYEJE

    1,5, Aelj

    Aelj hml}q}y ]lielf]lielf QK lohoq 5> yec}l 5;;3 yelffe` 5>

    Lormhamq 5;;3 ymlyelf ~mqaeljel eie`ec aeiel }wece {elf hmlfckh~}l iele

    ieqk hew{eqejey ie`eh amly}j wkh~elel iel hml{e`}qjel jmhae`k jm~eie

    hew{eqejey ie`eh amly}j jqmiky iel eye} amly}jamly}j `ekll{e ie`eh qelfje

    hmlklfjeyjel yeqeb cki}~ qej{ey ael{ej #Jewhkq, 1>>9+

    Aelj ie`eh }wecel{e hmhk`kjk ykfe jmfkeyel }yehe {eky} hmlfckh~}l

    iele, hml{e`}qjel iele iel hmhamqkjel dewe `ekll{e Jmfkeyel hmhamqkjel

    iel hml{e`}qjel iele hmq}~ejel jmfkeyel ~ojoj ~mqaeljel Wmielfjel

    jmfkeyel hmhamqkjel dewedewe `ekll{e hmq}~ejel ~mli}j}lf ieqk i}e jmfkeyel

    wmam`}hl{e

    ^mlfmqykel hmlfckh~}l iele ie`eh aelj hejw}il{e eie`ec

    hmlf}h~}`jel iel hmlgeqk iele #}elf+ imlfel geqe hmham`k ieqk hew{eqejey

    `}ew ie`eh amly}j wkh~elel fkqo, yea}lfel iel im~owkyo Wyqeymfk aelj ie`eh

    hmlfckh~}l iele eie`ec imlfel hmhamqkjel qelfwelfel amq}~e ae`ew dewe

    {elf hmleqkj iel hmlf}ly}lfjel {eky} amq}~e a}lfe Jmfkeyel hml{e`}qjel

    iele eie`ec jmfkeyel hm`mh~eqjel jmhae`k iele {elf ik~mqo`mc `mvey

    wkh~elel fkqo, yea}lfel iel im~owkyo jmhew{eqejey ie`eh amly}j ~kldehel

    #jqmiky+ Ie`eh ~mhamqkel jqmiky, leweaec ejel ikjmlejel a}lfe ~kldehel iel

    ake{e eihklkwyqewk Dewedewe ~mqaeljel `ekll{e hmq}~ejel dewe ~mli}j}lf eye}

    ~m`mlfje~ jmfkeyel ~mqaeljel Ce` klk hmq}~ejel }wece aelj }ly}j

    hmli}j}lf jm`elgeqel jmfkeyel hmlfckh~}l iel hml{e`}qjel iele Eie~}l

    golyoc ieqk dewedewe ~mqaeljel `ekll{e wm~mqyk yqelwbmq, j`kqklf, jeqy} jqmiky,

    jeqy} imaky, webm im~owky aos,@myymq ob Gqmiky#@/G+ iel `ekl(`ekll{e

    Jm}ly}lfel ~eie aelj ik~mqo`mc ieqk wm`kwkc a}lfe wkh~elel {elf

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    3

    1,1,Jeqy} JqmikyJeqy} jqmiky eie`ec e`ey ~mhae{eqel imlfel hmlff}lejel jeqy} {elf

    ie~ey ikf}lejel }ly}j hm`ej}jel ~mhae{eqel eyew jmvedkael {elf ykha}` ieqk

    w}ey} jmfkeyel mjolohk, ymqhew}j yqelwejwk ~mham`eldeel iel }ly}j hm`ej}jel

    ~mleqkjel y}lek ikhele jmvedkael ~mhae{eqel ~mhmfelf jeqy} ik~ml}ck

    ymq`makc iec}`} o`mc ~mlmqaky eye} egu}kqmq, iel ~mhmfelf jeqy} amqjmvedkael

    hm`ej}jel ~m`}lewel jmvedkael ~mhae{eqel ymqwma}y ~eie delfje vejy}

    ymqymly} wmgeqe wmje`kf}w eye}~}l wmgeqe elfw}qel wmym`ec jeqy} ikf}lejel

    wmaefek e`ey ~mhae{eqel Jmael{ejel jeqy} jqmiky hmhk`kjk }j}qel {elf wehe

    {eky} amq}j}qel ~eldelf 3,= gh iel `maeq =,9 gh, wm~mqyk {elf ym`ec

    ikw~mwkbkjewkjel o`mc wyelieq KWO 635>

    1,7, Jolwm~ ^mheweqel Dewe

    1,7,5,^mheweqel^mheweqel eie`ec ~qowmw ~mqmlgeleel iel ~m`ejweleel ~mhkjkqel,

    ~mlmye~el ceqfe, ~qohowk, wmqye ~ml{e`}qel fefewel, aeqelf, iel dewe

    }ly}j hmlgk~yejel ~mqy}jeqel {elf hmhml}ck weweqelweweqel klikrki}

    iel oqfelkwewk #Ewowkewk ^mheweqel Ehmqkje ie`eh Joy`mq, 1>>9+

    Hml}q}y Joy`mq " Eqhwyqolf #1>>5+ ~mheweqel hmq}~ejel w}ey}~qowmw wowke` iel heledmqke` {elf hmha}ey klikrki} iel jm`oh~oj

    hmh~mqo`mc e~e {elf hmqmje a}y}cjel iel klfkljel `mvey ~mlgk~yeel

    iel ~mqy}jeqel ykhae` ae`kj ~qoi}j iel lk`ek imlfel oqelf `ekl

    Wyelyol ie`eh Elfk~oqe #1>>1+ hmlimbklkwkjel ~mheweqel eyew

    ~mlfmqykel amqkj}y 4

    5 Ie`eh eqykel jmhew{eqejeyel 4^mheweqel eie`ec wmyke~ jmfkeyel y}jeqhml}jeq {elf amqy}d}el }ly}j

    hmh}ewjel jmklfklel hel}wke

    1 Ie`eh eqykel akwlkw 4

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    ;

    [etki #1>>=+ hmldm`ewjel aecve ~mheweqel hmq}~ejel

    ~mlfc}a}lf elyeqe oqfelkwewk imlfel jolw}hmll{e ^mqel ~mlfc}a}lf

    klk ejel amqcewk` ak`e wmh}e }~e{e ~mheweqel ikoqkmlyewkjel jm~eie

    ~eweq Wm`ekl ky} d}fe ik~mq`}jel jmymq`kaeyel ieqk wmh}e ~kcej, aekj ieqk

    heledmhml ~}lgej cklffe jeq{evel lol heledmqke`, ie`eh hmq}h}wjel

    he}~}l hmli}j}lf ~m`ejweleel ~mheweqel

    1,7,1,Dewe@orm`ogj " Vqkfcy #1>>=+ hmldm`ewjel dewe hm`e`}k i}e

    ~mlimjeyel, {eky} 4

    5 Dewe eie`ec ykliejel eye} jklmqde {elf ikyeveqjel w}ey} ~kcej jm~eie~kcej `ekll{e Ve`e}~}l ~qowmwl{e h}lfjkl ymqjeky imlfel ~qoi}j

    bkwkj, jklmqdel{e ~eie ieweql{e ykiej l{eye iel akewel{e ykiej

    hmlfcewk`jel jm~mhk`kjel eyew bejyoqbejyoq ~qoi}jwk

    1 Dewe eie`ec jmfkeyel mjolohk {elf hmlgk~yejel iel hmhamqk helbeeyaefk ~m`elffel ~eie vejy} iel ymh~ey ymqymly}, wmaefek cewk` ieqk

    ykliejel hmv}d}ijel ~mq}aecel {elf ikklfkljel ie`eh ikqk(eye} eyew

    lehe( ~mlmqkhe dewe ymqwma}y

    Ydk~yolo #5;;2+ hml{ma}yjel ymqie~ey mh~ey jeqejmyqkwykj dewe,

    {eky} 4

    5Klyelfkak`ky{, eqykl{e dewe ykiej ie~ey ik`kcey, ikqewejel, ikqeae, ikgk}heye} ikimlfeq wmam`}h dewe ymqwma}y ikam`k

    1Klwm~eqeak`ky{, eqykl{e elyeqe wk ~mham`k dewe imlfel wk ~mld}e` dewewe`klf amqjekyel

    7 Reqkeak`ky{, eqykl{e dewe welfey amqwkbey reqkeam` jeqmle hmq}~ejellolwyelieqiktmi o}y~}y, eqykl{e ael{ej reqkewk amly}j, j}e`kyew iel

    dmlkw, ymqfely}lf ~eie wke~e, je~el iel ikhele dewe ikcewk`jel

    9 ^mqkwceak`ky{,eqykl{e dewe hmq}~ejel johoikyew ykiej yecel `ehe iel

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    ~mheweqel mjwymqle` #~mqwke~el dewe, ~mlmye~el ceqfe, ikwyqka}wk iel

    ~qohowk+, ~mheweqel klymqle` #hm`eykc iel hmhoykrewk jeq{evel+, iel

    ~qohowk klymqejykb #klymqejwk elyeq jolw}hml imlfel jeq{evel

    ~mq}weceel+

    E`he #1>>1+ hmlfmh}jejel aecve e~eak`e ~mlie~eyel wmwmoqelf

    hmlklfjey eie jmgmlimq}lfel }ly}j hmh~mqamweq ~mlfm`}eqel }ly}j

    hmham`k dewe O`mc wmaea ky}, ~mheweqel dewe hejkl `ehe wmhejkl

    hmldeik ~mlyklf

    1,7,9, Ae}qel ^mheweqel Dewe

    Ae}qel ~mheweqel #heqjmyklf hks+ eie`ec wm~mqelfjey e`ey

    ~mheweqel {elf ikf}lejel ~mq}weceel }ly}j ymq}w hmlmq}w hmlge~ek

    y}d}el ~mheweqell{e ik ~eweq weweqel #Joy`mq, 1>>9+ M`mhml ~eie ae}qel

    ~mheweqel ymqikqk ieqk wmh}e reqkeam` {elf akwe ikjolyqo` iel ik~ejek

    }ly}j hmh}ewjel jolw}hml weweqel Ae}qel {elf w}iec ikjmle` ymqikqk

    ieqk mh~ey m`mhml {eky} ~qoi}j #~qoi}gy+, ceqfe #~qkgm+, ymh~ey #~`egm+,

    iel ~qohowk #~qohoykol+, wm~mqyk ikdm`ewjel HgGeqyc{ ie`eh Joy`mq

    #1>>9+ Imlfel wmikjky ~ml{mw}ekel m`mhml(m`mhml klk d}fe ~mlyklf

    ie`eh ~mheweqel dewe Ejel ymye~k, ymqjeky imlfel wkbey dewe {elf

    klyelfka`m heje hmlioqolf ~eqe ~mheweq dewe }ly}j hmhew}jjel

    reqkeam` yehaecel wmc}a}lfel imlfel }~e{el{e }ly}j amqjoh}lkjewk

    iel hmh}ewjel jolw}hml #[etki, 1>>=+ Imlfel imhkjkel hmha}ey

    ae}qel ~mheweqel dewe hmldeik `makc joh~`mjw {elf ikjmle` imlfel 3^,

    {eky} ymqikqk ieqk #@orm`ogj " Vqkfcy, 1>>=+ 4

    e ^qoi}j #^qoi}gy+Heledmq ceq}w hmhk`kc bky}q(bky}q ~qoi}j klyk #aekj aeqelf eye} dewe+

    iel amamqe~e m`mhml dewe ~m`mlfje~ {elf hmlfm`k`klfkl{e, imlfel

    hmq}d}j helbeey {elf ikklfkljel ~m`elffel iel wmamqe~e yklffk ie{e

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    a Ymh~ey iel Vejy} #^`egm+^mlfkqkhel m`mhml ~qoi}j jm ~m`elffel hm`kaeyjel jm~}y}wel

    ymlyelf ymh~ey iel vejy} ~mlfkqkhel iel h}lfjkl hm`kaeyjel we`}qel

    ikwyqka}wk bkwkj eye} m`mjyqolkj #eye} jmi}el{e+, amqfely}lf ~eie wkbey

    dewe {elf ikamqkjel ^mq}weceel ie~ey hmlfkqkhjel dewe jm~eie

    ~m`elffel wmgeqe `elfw}lf eye} hm`e`}k oqfelkwewk ~mqelyeqe

    g ^qowmw #^qogmww+]ly}j hmlgk~yejel iel hml{eh~ekjel m`mhml ~qoi}j jm~eie

    ~m`elffel ik~mq`}jel imwekl iel kh~`mhmlyewk ieqk ~qowmw {elf

    mbmjykb Wma}ec ~qowmw hmldm`ewjel hmyoim iel }q}yel jmqde ieqk

    wkwymh {elf amqo~mqewk ^qowmw {elf imwekll{e a}q}j ejel

    hmlffelff} ~m`elffel jeqmle jmymq`ehaeyel

    i ^qoi}jykrkyew iel J}e`kyew #^qoi}gykrky{ eli U}e`ky{+^qoi}jykrkyew hmq}~ejel }j}qel wmamqe~e amweq ~mlf}aecel kl~}y dewe

    hmldeik o}y~}y {elf hmlehaec lk`ek aefk ~mq}weceel J}e`kyew

    hmlffehaeqjel wmde}c hele w}ey} dewe hmh}ewjel ~m`elffel

    imlfel hmhml}ck jma}y}cel, jmklfklel, iel ceqe~el hmqmje

    ^qoi}jykrkyew iel j}e`kyew ceq}w ik`kcey wmaefek i}e wkwk heye }elf

    Ykiej eie ~mq}weceel {elf welff}~ hmlelfelk klk wmlikqk(wmlikqk

    ^oi}jykrkyew welfey ~mlyklf }ly}j hmldefe efeq ake{e ymye~ ymqjmlie`k

    iel j}e`kyew dewe amq~mqel ~mlyklf aefk ikbmqmlwkewk ~qoi}j iel aefk

    ~mhamly}jel `o{e`kyew ~m`elffel

    m Oqelf #^mo~`m+Ael{ej dewe ~eie klymqejwk `elfw}lf iel ~qkaeik elyeqe ~m`elffel iel

    jeq{evel ~mq}weceel Wkbey ieqk klymqejwk klk welfey hmh~mlfeq}ck

    ~mqwm~wk ~m`elffel ymqceie~ j}e`kyew dewe ^m`elffel wmqklf hmlk`ek

    j}e`kyew dewe {elf hmqmje ymqkhe amqieweqjel ~mlk`ekel ymqceie~

    oqelf oqelf {elf hml{mikejel dewe ymqwma}y

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    oqelf(oqelf wm~mqyk ymlefe ~mld}e` eye} hm`e`}k amqaefek hegeh

    hmike

    f A}jyk Bkwkj #^c{wkge` Mrkielgm+A}jyk bkwkj hmq}~ejel ~my}ld}j rkw}e` eye} amqv}d}i `ekll{e {elf

    hmhamqk a}jyk eyew j}e`kyew dewe ^mq}weceel ~mq`} ceyk(ceyk ie`eh

    hmlfm`o`e jeqmle ie~ey hmh~mlfeq}ck jmwel ~m`elffel

    c Ceqfe iel Ake{e Dewe `ekll{e #^qkgm+Ceqfe iel joh~olml ak{e dewe `ekll{e hmh~mq`kceyjel jm~eie

    heledmhml amqaefek ake{e {elf ikykha}`jel ~m`elffel ie`eh

    hmh~mqo`mc helbeey w}ey} ~qoi}j dewe

    1,7,=, Wmfhmlyeykol, Yeqfmyklf iel^owkykolklf #WY^+

    E, Wmfhmlyeykol

    Whkyc ie`eh Elfk~oqe #1>>1+ hmlfmh}jejel aecvewmfhmlyewk ~eweq hmq}~ejel ~mhaefkel ieqk ~eweq wmgeqe jmwm`}q}cel

    ie`eh jm`oh~oj(jm`oh~oj wmw}ek imlfel jma}y}cel iel gkqk(gkqk

    jolw}hml Wmfhmlyewk hmh}lfjkljel oqfelkwewk dewe heh~}

    hml{mw}ekjel ymjlkw ~mleveqel, o~mqewk eye} ~mlff}leel dewe eye}

    ~m`e{elel {elf `makc aekj, wmqye ~m`eykcel {elf ikyeveqjel o`mc

    w}~~`kmq iel imlfel ceqfe {elf ie~ey ik~mqge{e Reqkeam`reqkeam`

    {elf ie~ey ikf}lejel }ly}j hmlwmfhmlyewkjel ~eweq hml}q}y Joy`mq

    #1>>9+ ymqikqk ieqk wmfhmlyewk fmofqebkw, imhofqebkw, ~wkjofqebkw, iel

    ~mqk`ej}

    A, Yeqfmyklf

    Yeqfmyklf hmq}~ejel jmfkeyel {elf amqkwk iel hmlk`ek wmqyehmhk`kc wey} ieqk wmfhml ~eweq {elf ejel ikhew}jk o`mc w}ey}

    ~mq}weceel Ie`eh hmhk`kc wmfhml hele {elf ikdeikjel weweqel,

    ~mq}weceel ie~ey hmhk`kc }ly}j hmh}weyjel ~mqceykel ~eie wey}

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    }ly}j jm~mlyklfel ~mq}weceel ymye~k d}fe jm~mlyklfel hmqmje {elf

    ikdeikjel weweqel

    G,^owkykolklf

    ^owkykolklf eie`ec ykliejel hmqelgelf yeveqel iel gkyqe

    ~mq}weceel wmcklffe hmlmh~eyk w}ey} ~owkwk {elf ymqamiejel #ik

    elyeqe ~mweklf+ ikamlej ~m`elffel weweqell{e #Joy`mq, 1>>9+

    ^mq}weceel hmhamiejel ikqkl{e imlfel hmlf}aec jeqejymqkwykj

    }h}h #hmh~}l{ek jeqejymqkwykj ymqymly} {elf amie iel }lkj+

    kli}wyqkl{e, wmcklffe ~mqamieel ky} hmldeik jm}lff}`el joh~mykykb

    Cewk` ejckq ieqk ~owkykolklf eie`ec jmamqcewk`el ~mlgk~yeel w}ey}

    }w}`el lk`ek {elf ymqboj}w ~eie ~eweq, w}ey} ~mql{eyeel wmimqcele

    {elf dm`ew hmlfe~e ~eweq weweqel ceq}w hmham`k ~qoi}j ky}

    Qkmw " Yqo}y ie`eh Joy`mq #1>>9+ amq~mlie~ey aecve ~qoi}j

    ymqjmle` ~eie }h}hl{e hmhk`kjk w}ey} ~owkwk ymqwmlikqk ik amlej

    jolw}hml Imlfel hmhk`kjk ~owkwkl{e hewklf(hewklf ejel w}`ky aefk

    ~mweklf }ly}j hmlg}qkl{e

    1,9, ^qohowk

    ^qohowk hmq}~ejel amqaefek jmfkeyel {elf ik`ej}jel o`mc ~mq}weceel

    }ly}j hmloldo`jel jmkwykhmveeljmkwykhmveel {elf ik`ej}jel iel hmha}d}j

    jolw}hml weweqel efeq hmham`kl{e #Joy`mq, 5;;6+ Wmielfjel Wgcom`` ie`eh

    E`he #1>>1+ hmlfmh}jejel aecve ~qohowk wmaefek }wece {elf ik`ej}jel o`mc

    heqjmymq, amqjoh}lkjewk imlfel ge`ol e}ikmlw Ikhele joh}lkjewk ikwklk

    ikimbklkwkjel wmaefek ~qowmw hmhaefk kim, klboqhewk iel ~mqeweel e}ikmlw

    ^qohowk ikaefk hmldeik i}e aefkel, {eky} ~qohowk ~mld}e`el #yqeim~qohoykol+ iel ~qohowk jolw}hml #golw}hmq ~qohoykol+ ^qohowk ~mld}e`el

    ik`ej}jel }ly}j hmlklfjeyjel ~mld}e`el w}ey} ~oi}j, wmielfjel ~qohowk

    jolw}hml ik`ej}jel }ly}j hmhamqkjel klwmlykb jm~eie jolw}hml, efeq ymye~

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    ce` ~mlyklf {elf ceq}w ik~mqceykjel ie`eh ~qohowk {eky} wke~e, e~e {elf

    ikweh~ekjel, iky}d}jel ~eie wke~e, hmike ~qohowk iel d}fe y}d}el

    Wckh~ #5;;;+ hmldm`ewjel eie ykfe jma}y}cel {elf ceq}w ikyoldo`jel

    ie`eh hm`ej}jel ~qohowk Jma}y}cel {elf hmha}ey jolw}hml hmqewe {ejkl

    aecve ~qoi}j ymqwma}y akwe hmhml}ck jmklfklell{e Eie~}l jma}y}cel {elf

    ikhejw}i {eky} 4

    5 Jma}y}cel B}lfwkole`Jma}y}cel b}lfwkole` amq}wece }ly}j hml{mikejel wo`}wk aefk

    hewe`echewe`ec jolw}hwk eye} ~oymlwk ~mqhewe`ecel {elf ie~ey ikceie~k

    o`mc jolw}hml, imlfel hmlfjoh}lkjewkjel aecve w}ey} hmqmj hmhk`kjk

    helbeey w~mwkbkj {elf ie~ey hmhmgecjel hewe`echewe`ec ymqwma}y

    1 Jma}y}cel Wkhako`kwJma}y}cel wkhako`kw ikeqecjel jm~eie jmklfklel jolw}hml ie`eh

    }~e{e hmh~mqaekjk ikqk, ikceqfek wmaefek elffoye ieqk w}ey} jm`oh~oj

    Jma}y}cel klk ikf}lejel }ly}j hmlfewowkewkjel jmf}leel hmqmj imlfel

    jm`oh~oj, ~mqel, eye} gkyqe ikqk {elf ikkklfkljel

    7 Jma}y}cel Mjw~mqkmlye`^eie jma}y}cel mjw~mqkmlye`, jolw}hml hmq}~ejel qm~qmwmlyewk ieqk

    jmklfklel hmqmje ejel ~qow}j {elf ie~ey hmhamqkjel qewe wmlelf,

    jmelmjeqefehel iel wykh}`ewk joflkykb Mjw~mqkmlye` hmh~qohowkjel

    kj`ell{e wmaefek w}ey} {elf kwykhmve iel hmh~}l{ek gkye qewe yklffk

    ^qohowk, jc}w}wl{e ie`eh kli}wyqk qkym`, ie~ey ikaefk hmldeik i}e

    aefkel, {eky} 4

    5Eaorm Ycm @klmAmly}j ~qohowk eaorm ycm `klm hmq}~ejel amly}j ~qohowk {elf

    hmlff}lejel weqele ~qohowk amq}~e hmike yqeikwole` wmaefek weqele

    ~ml{eh~ekel ~mwel {elf mbmjykb Amly}j ~qohowk klk akewel{e amqamly}j

    johkwk aefk efml ~mld}e`el hmlff}lejel hmike hewwe wm~mqyk ym`mrkwk

    5=

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    yel~e hmlff}lejel hmike, imlfel y}d}el hmhaelf}l gkyqe ~owkykb w}ey}

    ~qoi}j ^qohowk klk ie~ey amqamly}j ~mhamqkel yehaecel ~eie dewe {elf

    ik`ej}jel o`mc ymlefe ~mld}e`, ~mhamqkel w~olwoqwck~ ~eie w}ey} jmfkeyel,

    hm`ejwelejel jmfkeyel wowke`, ~ehmqel~ehmqel, ~mhamqkel golyoc fqeykw,

    ~mhamqkel }elf y}lek/ceikec `elfw}lf iel wmaefekl{e

    1,=, Ae}qel ^qohowk

    Ae}qel ~qohowk #~qohoykol hks+ hmlffehaeqjel geqegeqe jqmeykb

    {elf hmh~mlfeq}ck jolw}hml ie`eh hm`ej}jel ~mham`kel ~qoi}j eye} dewe

    Joy`mq #1>>>+ hmlfmh}jejel aecve ae}qel ~qohowk wmaefek hmike joh}lkjewk

    ~mheweqel hmhk`kjk `khe jmfkeyel }yehe, {eky} ~mqkj`elel #eirmqykwklf+,

    ~mld}e`el wmgeqe ~mqwole` #~mqwole` wm``klf+, ~qohowk ~mld}e`el #we`mw

    ~qohoykol+, ~}a`kwkyew iel c}a}lfel hew{eqejey #~}a`kgky{ eli ~}a`kg

    qm`eykolw+, ~mheweqel `elfw}lf #ikqmgy heqjmyklf+

    1,=,5, ^mqkj`elel

    ^mqkj`elel hmq}~ejel wmh}e amly}j ~ml{edkel iel ~qohowk

    lol~mqwole` eyew kim, aeqelf eye} dewe {elf ik`ej}jel o`mc ~mq}weceel

    w~olwoq ymqymly} #Joy`mq, 1>>>+ Kj`el ikf}lejel o`mc ~mq}weceel f}le

    hmlfklboqhewkjel, hmleqkj, iel hmh~mlfeq}ck oqelf Yel~e kj`el, ~eqe

    ~qoi}wml iel ikwyqka}yoq ykiej ejel ie~ey hmld}e` aeqelfl{e Wmielfjel

    ikwkwk `ekl, ~eqe ~mham`k ykiej ejel hmh~}l{ek g}j}~ klboqhewk

    hmlfmlek ~qoi}j~qoi}j aeqelf iel dewe {elf ymqwmike ik ~eweqel Kj`el

    {elf ikweh~ekjel wmaekjl{e ikqeh} wmimhkjkel q}~e wmcklfffe ~mwel

    {elf ikweh~ekjel h}iec ikgmqle iel ikhmlfmqyk hew{eqejey, iel

    hmlfeli}lf klboqhewk {elf amleq

    E`he #1>>1+ hmldm`ewjel yk~myk~m ieqk eirmqykwklf wmaefek

    amqkj}y4

    5 ^qkgm Eirmqykwklf {eky} ~mqkj`elel {elf hmloldo`jel ceqfe {elf

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    9, ^qoi}gy Eirmqykwklf amq}wece hmh~mlfeq}ck jolw}hml imlfel

    bemiec(bemiec ieqk ~mhejekel w}ey} ~qoi}j

    =, Klwyky}ykole` Eirmqykwklf {eky} hmloldo`jel lehe ieqk ~mq}weceel

    imlfel ceqe~el efeq jolw}hml hmh~}l{ek jmwel hmlie`eh ymlyelf

    ~mq}weceel ymqwma}y, wmcklffe klk hmq}~ejel dehklel h}y}

    2, ^qmwykfm Eirmqykwklf {elf amq}wece hmhamqkjel bewckol ~eie w}ey}

    ~qoi}j eye} hmlioqolf hew{eqejey hmlfewowkewkjel ~qoi}j ymqwma}y

    imlfel jmje{eel eye} jmi}i}jel

    ^mlff}leel ~qohowk imlfel kj`el ie~ey ik`ej}jel imlfel

    amqaefek hmike, wm~mqyk `mvey 4

    e ^mhewelfel ak``aoeqiik de`elde`el wyqeymfkw:

    a ^mlgmyejel aqow}q aekj ikwmaeqjel ikwmyke~ geaelf eye} ik ~}wey

    ~mqam`eldeel:

    g ^mhewelfel w~eli}j ik`ojewk ymqymly} {elf wyqeymfkw:

    i ^mhewelfel hm`e`}k hmike hewwe wm~mqyk joqel eye} hede`ec:

    m ^mhewelfel hm`e`}k hmike m`mjyqolkj wm~mqyk ym`mrkwk iel qeiko:

    b iel hmlff}lejel hmike `ekll{e

    ^mqykhaelfel ~mlff}leel hmike {elf ejel ik~ejek }ly}j

    ~mhewelfel kj`el ikw}ey} hmike {eky} 4 #5+ delfje}el hmike {elf ejel

    ikf}lejel, #1+ weweqel eye} jolw}hml {elf ejel iky}d}, #7+ ie{e yeqkj

    {elf ikhk`kjk o`mc hewklfhewklf hmike, iel #9+ ake{e {elf

    ikjm`}eqjel Y}d}el ieqk ~mlff}leel iel ~mhk`kcel hmike kj`el welfey

    ymqfely}lf ieqk y}d}el ~mq}weceel Hewklfhewklf hmike hmhk`kjk

    y}d}el {elf amqamie Ymqie~ey amamqe~e y}d}el ~mlff}leel kj`el wmaefek

    hmike ~qohowk {eky} 4

    e ]ly}j ~mhamqkyec}el ymlyelf wmfe`e wmw}ey} {elf amqjekyel imlfeldewe {elf ikyeveqjel o`mc ~mq}weceel Wm~mqyk ~m`}lg}qel ~qoi}j

    aeq} jm}ly}lfel iel jm`makcel w}ey} ~qoi}j eye} klboqhewk `ekll{e

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    i Hmh~mlfeq}ck jolw}hml ieqk ~mq}weceel ~mweklf efeq amq~kliec jm~mq}weceel jkye

    m Hmlfmlie~jel ~mqk`ej} ^mqk`ej} jolw}hml ie~ey ikamly}j hm`e`}kkj`el

    b Hmhaely} mjw~elwk ~eweq1,=,1, ^mld}e`el ^mqwole` #^mqwole` Wm``klf+

    ^mqwole` wm``klf hmq}~ejel joh}lkjewk i}e eqec elyeqe jeq{evel

    dewe imlfel ~m`elffel {elf ikqelgelf }ly}j `elfw}lf hmh~mlfeq}ck

    ~qowmw ~mham`kel #@orm`ogj " Vqkfcy, 1>>=+ Ikhele wkbey `elfw}lf ieqk

    ~mqwole` wm``klf hmh}lfjkljel vejk` ~mld}e`el hml{mw}ekjel ~mwel

    ymqwma}y efeq gogoj imlfel jma}y}cel iel jmklfklel ymqymly} hewklf

    hewklf ~m`elffel Hm`e`}k ~mqwole` wm``klf jma}y}celjma}y}cel ie~ey

    ikkimlykbkjewk, ~mqyel{eel ie~ey ikdevea, iel wmfe`e ~mqwoe`elik~mgecjel

    Joy`mq #1>>>+ hmlfmh}jejel aecve~mqwole` wm``klf hmq}~ejel

    ~mqelfjey {elf ~e`klf mbmjykb ie`eh yece~el `eld}yel ieqk ~qowmw

    ~mham`kel jc}w}wl{e }ly}j hmhaelf}l ~qmbmqmlwk, jm{ejklel iel

    ykliejel ieqk wmyke~ ~mham`kel ^mqwole` wm``klf ik`ej}jel wmaefek

    ~m`mlfje~ ~mlfkj`elel jeqmle ce` ky} ik`ej}jel wmgeqe klikrki}e` iel

    ik`ej}jel o`mc wyeb ~mheweqel wmgeqe `elfw}lf, a}jel hm`e`}k hmike

    hewwe ]wece ~mld}e`el `elfw}lf ie`eh ~qejykj ejel amqreqkewk

    ymqfely}lf e~ejec ~qoi}j {elf ikd}e` ky} hmq}~ejel aeqelf jolw}hwk,

    aeqelf kli}wyqke` eye} aeqelf dewe

    Amly}jamly}j ~mqwole` wm``klf {elf ikjmle` wmgeqe feqkw amweqeie`ec wmaefek amqkj}y 4

    5 Ik yojo eye} ~}wey ~mqam`eldeel,1Co}wm yo co}wm wm``klf,

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    = ^mhkh~kl ~mq}weceel amqj}ld}lf jm~eie `elffelel`elffelel {elf~mlyklf

    2 ^mld}e` {elf ymq`eykc wmgeqe ymjlkw hmlf}ld}lfk ~eqe jolw}hmlkli}wyqk }ly}j hmhamqkjel lewmcey iel aely}el

    Eie~}l jm}ly}lfel ie`eh hm`ejwelejel ~mqwole` wm``klf eie`ec

    wmaefek amqkj}y 4

    5 @makc h}iec ikwmw}ekjel ie`eh geqe hmld}e`l{e imlfel jmklfklel

    jolw}hml {elf ikjmyec}k ieqk qmejwk jolw}hml ymqceie~ aeqelf {elf

    ik~qohowkjel

    1 Vkqelkefe ie~ey `elfw}lf hmlfeiejel ~mld}e`el ~eie weey ymqdeik

    jolyej imlfel ge`ol ~mham`k

    7 Ie~ey hmhamqkjel deveael eyew ~mqyel{eel ge`ol ~mham`k iel

    hmhamqkjel ~mldm`ewel eyew jmamqeyel(jmamqeyell{e wmqye imlfel

    jmec`kell{e ie~ey hmha}y ge`ol ~mham`k {elf wmh}`e ykiej ymqyeqkj

    ejel hmham`k aeqelf ymqwma}y

    9 Ie~ey hmhaely} ge`ol ~mham`k ie`eh hmhamqkjel ~my}ld}j/lewkcey

    hmlfmlek aeqelf {elf ejel ikam`k

    1,=,7, ^qohowk ^mld}e`el

    ^qohowk ~mld}e`el eie`ec klwmlykb delfje ~mlimj {elf ikyeveqjel

    jm~eie ~m`elffel iel ~mqelyeqe }ly}j hmqelfwelf ~mham`kel ~qoi}j

    #@orm`ogj " Vqkfcy, 1>>=+ Imlfel jmfkeyel ~qohowk ~mld}e`el

    ikceqe~jel ie~ey hmh~mqgm~ey jm~}y}wel ~mham`kel iel hmhoykrewk

    ~m`elffel hmlff}lejel dewe ymqymly} `makc gm~ey, ie`eh ro`}hm {elf

    `makc amweq ~eie wmyke~ ~mham`kel, eye} `makc wmqklfEjkaey ieqk ael{ejl{e hmqmj(hmqmj aeq} {elf hmhew}jk ~eweq,

    heje jmfkeyel ~qohowk ~mld}e`el wmhejkl ikqewejel ~mlyklf jeqmle e`ey

    klk ael{ej ikf}lejel }ly}j hmhakle ~mld}e`el hmqj(hmqj aeq}

    5;

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    Eie~}l y}d}el ikf}lejel ~qohowk ~mld}e`el aefk ~mq}weceel

    eie`ec wmaefek amqkj}y 4

    5 Hmleqkj ~mham`k aeq}1 Hmhamqk ceikec/~mlfceqfeel jm~eie jolw}hml(jolw}hml/ elffelel

    `ehe

    7 Hmlklfjeyjel ie{e am`k }`elf ieqk jolw}hml `ehe9 Hmlfcklieqjel jolw}hml `eqk jm hmqmj `ekl= Hmh~o~}`mqjel hmqmj/hmlklfjeyjel o{e`kyew

    1,=,9, ^}a`kwkyew iel C}a}lfel Hew{eqejey

    ^}a`kwkyew hmq}~ejel we`ec wey} e`ey ~qohowk {elf g}j}~ ~oymlwke`

    iel hmlf}ly}lfjel ie`eh hmlfjoh}lkjewkjel ~qoi}j aeqelf eye} dewe

    ^}a`kwkyew hmh~}l{ek jmweheel imlfel kj`el, ikhele jmi}e e`ey

    ~qohowk klk wehewehe hmlffehaeqjel joh}lkjewk hewwe Ye~k {elfhmhamiejel jmi}e e`ey ~qohowk klk {eky} ~eie ~}a`kwkyew ykiej

    hmlfm`}eqjel ake{e }ly}j hm`ej}jel jmfkeyell{e Ce` klk ymly}l{e

    welfey hmlf}ly}lfjel aefk ~mq}weceel jeqmle ~mq}weceel wmgeqe

    oyoheykw ymq~qohowkjel imlfel g}he(g}he ^}a`kwkyew ie~ey ikh}ey

    ie`eh hmike wmgeqe fqeykw jeqmle ~mqvejk`el ieqk hmike hmlfelffe~

    klboqhewk ymqwma}y ~mlyklf iel `e{ej }ly}j ikweh~ekjel ~eie jce`e{ej

    qehek Golyoc ieqk ~}a`kwkyew ie~ey amq}~e mikyoqke` {elf ikyeh~k`jel

    ~eie hmike hewwe hmlfmlek ~qoi}j aeqelf eye}~}l dewe ieqk ~mq}weceel

    C}a}lfel hew{eqejey hmq}~ejel hmikeyoq {elf amqeie elyeqe

    ~mq}weceel imlfel ~}a`kjl{e, aekj ie`eh }~e{e hmhakle c}a}lfel

    hew{eqejey klymqle` he}~}l mjwymqle` Amly}j jmfkeyel joh}lkjewk i}eeqec hmq}~ejel gkqk jcew ieqk b}lfwk iel ~mqelel c}a}lfel hew{eqejey

    C}a}lfel hew{eqejey ~eie wma}ec ~mq}weceel ~eie }h}hl{e

    ik`ejwelejel o`mc ~kcej c}hew ~mq}weceel imlfel amly}j jmfkeyel

    1>

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    Wmgeqe feqkw amweq ejykrkyew c}a}lfel hew{eqejey ie`eh

    ~mq}weceel amq~mqel wmaefek 4

    5 Gohh}lkgeyoq

    Eqykl{e jmheh~}el wmaefek joh}lkjeyoq aekj wmgeqe `elfw}lf

    he}~}l ykiej `elfw}lf, hm`e`}k hmike gmyej ey}~}l m`mjyqolkj iel

    `kwel #w~ojm ~mqwol+ eye} yeye~ h}je d}fe wmaefekl{e Ikweh~klf ky}

    d}fe amqykliej wmaefek hmikeyoq iel wmje`kf}w ~mqw}eioq

    1 Qm`eykolwck~

    Jmheh~}el ~mqel c}hew }ly}j hmhaelf}l c}a}lfel {elf

    ~owkykb elyeqe `mhaefe {elf ikvejk`kl{e imlfel ~}a`kj klymqle` iel

    mjwymqle` D}fe, amq}~e{e hmlgk~yejel we`klf ~mlfmqykel, jm~mqge{eel,

    i}j}lfel, jmqdewehe, iel yo`mqelwk elyeqe ~mq}weceel iel ~}a`kj

    7 Fooi Khefm Hejmq

    C}a}lfel hew{eqejey amq~mqel }ly}j hmhaelf}l kimlykyew

    iel gkyqe ~mq}weceel Imlfel c}a}lfel hew{eqejey heje ~mq}weceel

    ie~ey hmlgk~yejel kimlykyew iel gkyqe {elf ~owkykb ikheye ~}a`kj

    ^mq`} ik~mqceykjel aecve ie{e yeqkj ~}a`kwkyew iel c}a}lfel

    hew{eqejey ikieweqjel ~eie ykfe wkbey jc}w}w, {eky} #5+ jqmikak`kyew {elf

    yklffk, #1+ jmheh~}el hmlelfje~ ~mham`k {elf ykiej ikakikj

    wmam`}hl{e, iel #7+ jmheh~}el }ly}j hmliqeheykwewk w}ey} ~mq}weceel

    eye} ~qoi}j

    1,9,=, ^mheweqel @elfw}lf

    @orm`ogj " Vqkfcy #1>>=+ hmlimbklkwkjel ~mheweqel `elfw}lf

    wmaefek joh}lkjewk wey} eqec ieqk w}ey} ~mq}weceel jm~eie wmd}h`ec~m`elffel weweqel hm`e`}k w}qey, ym`m~ol, bejw, eye} m(hek` ^mheweqel

    `elfw}lf, {elf hmlgej}~ w}qey `elfw}lf he}~}l ym`mheqjmyklf

    #~mheweqel hm`e`}k ym`m~ol+, iel e`ey joh}wkjewk lol~mqwole` `ekll{e

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    1,2, ^mqmlgeleel ^qohowk

    Mlfm` my e` ie`eh [elyk #1>>9+ hmlfmh}jejel aecve ie`eh

    ~mqmlgeleel ~qohowk hmlgej}~ wmqelfjekel `elfjec hmlieweq wmaefek amqkj}y 4

    5 Hmlmye~jel y}d}el ~qohowk

    1 Hmlmly}jel yeqfmy e}ikmlw

    7 Hmlfmhaelfjel geqe {elf ejel ikymh~}c }ly}j hmlimjeyk e}ikmlw

    9 Hml{}w}l boqh}`ewk wyqeymfk ~qohowk }ly}j hmlge~ek y}d}el

    = Hmlmly}jel e`ojewk iele ~qohowk ~eie hewklfhewklf reqkeam` ~qohowk

    {elf ikf}lejel

    2 Hmlfmre`}ewk mbmjykbkyew jmfkeyel ~qohowk iel hm`ej}jel ~ml{mw}ekel

    y}d}el iel wyqeymfk ak`e ikelffe~ ~mq`}

    1,2,5, ^mlmye~el Y}d}el ^qohowk

    Wmaefekhele y}d}el ~mq}weceel, y}d}el ~qohowk d}fe ceq}w ie~eyiko~mqewkole`jel Y}d}el ~qohowk {elf aekj wmceq}wl{e heh~}

    hml}ld}jel c}a}lfel ymqceie~ yklfjey ~mld}e`el `elfw}lf Eie~}l

    wmgeqe }h}h y}d}el ieqk jmfkeyel ~qohowk eie`ec wmaefek amqkj}y4

    5 Hmhamqkyec}jel ~eweq ymlyelf w}ey} ~qoi}j aeq} eye}~}l klboqhewk

    yehaecel amqjmleel imlfel ~qoi}j

    1 Hmlgk~yejel jmweieqel ~eie w}ey} hmqmj ik amlej jolw}hml #aqeli

    eveqmlmww+

    7 Hmlfmhaelfjel eye} hmlf}aec gkyqe eye} ~mqwole`kyew hmqmj eye}

    ~mq}weceel

    9 Hmlfeqecjel jolw}hml }ly}j hmham`k ~qoi}jl{e iel

    hmh~mqyeceljel heqjmy ~ovmq~mq}weceel= Hm{ejkljel jolw}hml aeve ~qoi}j hmqmje amleqamleq amqamie eye}

    aecjel `makc aekj ikaeliklfjel ~qoi}j ~mweklf

    2 Hmlfmhaelfjel wkje~ ~owkykb ge`ol jolw}hml {elf ikceqe~jel ie~ey

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    1,2,1, Kimlykbkjewk E}ikmlw Weweqel

    Elfk~oqe #1>>1+ hmldm`ewjel aecve ce` ~mlyklf {elf ceq}w

    ik`ej}jel o`mc ~mq}weceel wmc}a}lfel imlfel jmfkeyel ~qohowk {elf

    ejel ik`ejwelejel {eky} hmlfkimlykbkjewk weweqel {elf dm`ew E}ikmlw

    weweqel h}lfjkl ymqikqk ieqk ~mham`k ~oymlwke` ~qoi}j ~mq}weceel weey

    klk, ~mhejek wmjeqelf, ~mlfehak`el jm~}y}wel eye} ~mhamqk ~mlfeq}c

    E}ikmlw ie~ey amq}~e klikrki}, jm`oh~oj, hew{eqejey ymqymly}, eye}~}l

    hew{eqejey }h}h

    Jmamqeieel e}ikmlw weweqel ejel hmh~mlfeq}ck jm~}y}wel

    ~mq}weceel hmlfmlek e~e {elf cmliej ikjeyejel, aefekhele geqe

    hmlf}ge~jell{e imlfel hmh~mqceykjel ~mqk`ej} ~mham`kel ieqk

    jolw}hml Ikweh~klf ky}, ~mq}weceel ~mq`} hmlfmyec}k wmgeqe dm`ew ik

    hele e}ikmlw jklk amqeie, iel ~eie jmeieel {elf aefekhele ika}y}cjel

    }ly}j ikfmqejjel

    1,2,7, ^mlimjeyel Wyqeymfk ^qohowk

    Ae}qel ~qohowk welfey ik~mlfeq}ck o`mc ~mhk`kcel wyqeymfk

    ~qohowk {elf ikymqe~jel ~mq}weceel I}e ~mlimjeyel wyqeymfk {elf ie~ey

    ikymqe~jel {eky} ~}wc wyqeymf{ iel ~}`` wyqeymf{ ^mlimjeyel ~}wc

    wyqeymf{ iky}d}jel jm~eie ~kcej~kcej {elf ymq`kaey ie`eh we`}qel

    ikwyqka}wk #wm~mqyk efml, qmyek`mq, iel vco`mwm``mq+ Wyqeymfk klk amqf}le

    }ly}j hmlgej}~ ~qoi}wml {elf hmlff}lejel ymlefe ~mld}e` iel

    ~qohowk iefelf }ly}j hmha}d}j ~mqelyeqe w}~e{e hmlfehak`,

    hmh~qohowkjel iel hmld}e` ~qoi}j jm~eie ~mhejek ejckq Wmielfjel

    ~mlimjeyel~}`` wyqeymf{

    hmlgej}~ ~qoi}wml hmlff}lejel kj`el iel~qohowk jolw}hml f}le hmlioqolf hmlioqolf ~mhejek ejckq }ly}j

    hmhklye ~qoi}j ymqwma}y jm~eie ~mqelyeqe iel imhkjkel hmlioqolf

    ~mqelyeqe hmhmwel ~qoi}j ky} ieqk ~qoi}wml

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    Wyqeymfk hmike ik~mq`}jel }ly}j hmlymqdmhecjel y}d}el hmike jm

    ie`eh ~eli}el }h}h {elf hmlfolyqo` ~qowmw wm`mjwk ~mqmlgele iel

    jmfkeyel hmike Yece~ wyqeymfk hmike {elf ~e`klf ~mlyklf eie`ec

    hmlmly}jel jeymfoqk hmike ^eie yece~ klk we`ec wey} {elf hmldeik

    ~mqykhaelfel eie`ec jeqejymqkwykj hmike

    Yeam` 1 Jeqejymqkykj Hmike

    Hmik}h Jm}lff}`el Jm`mhecel

    Joqel

    Jmgm~eyel vejy}: `k~}yel

    ~eweq `oje`: ikymqkhe wmgeqe

    `}ew: yklfjey jm~mqge{eel

    yklffk: b`mjwkak`kyew

    Hewe mieq ~mlimj: j}e`kyew

    qm~qoi}jwk dm`mj:

    ~mhkliec(yelfelel

    jce`e{ej jmgk`

    Ym`mrkwk

    @k~}yel ~eweq hewwe` aef}w:

    ake{e ~mq ~e~eqel qmliec:

    hmlffea}lfjel~mlf`kceyel,

    w}eqe, iel fmqejel: hmleqkj

    ~elge klimqe

    Ake{e eaowo`}y amweq:

    jmwmhqev}yel yklffk:

    ~e~eqel amq`elfw}lf gm~ey:

    wm`mjykrkyew jce`e{ej

    q}elf

    W}qey

    `elfw}lf

    Wm`mjykrkyew jce`e{ej yklffk:b`mjwkam`: ykiej eie

    ~mqweklfel kj`el ~eie

    hmik}h {elf wehe:

    hmh}lfjkljel~mqwole`kwewk

    Ake{e ~mq ~e~eqel qm`eykbyklffk: gkyqe w}qey weh~ec

    Qeiko

    ^mlmqkheel `oje` aef}w:

    wm`mjykrkyew fmofqebkw iel

    imhofqebkw yklffk: ake{e

    qmliec

    Cel{e e}iko: jmymq~e~eql

    gm~ey amq`e`}: ~mqceykel

    qmliec #hmik}h wmymlfec

    hmlimlfeq+: jce`e{ejymqbqefhmlyewk

    Hede`ec

    Wm`mjykrkyew fmofqebkw iel

    imhofqebk {elf yklffk:

    jqmikak`kyew iel ~qmwykwm:

    j}e`kyew qm~qoi}jwk yklffk:

    hewe mieq `ehe iel yklfjey

    jmymqaegeel aef}w

    Vejy} jmymqyklffe`el

    ~mham`kel kj`el ejel

    deqelf: ake{e hece`: ykiej

    eie dehklel ~owkwk

    Hmike

    @}eq

    Q}elf

    B`mjwkak`kyew: jmymq~e~eqel{elf amq}`elf yklffk: ake{e

    qmliec ~mwel ~eweq qmliec:

    wm`mjykrkyew ~owkwk yklffk

    Wm`mjykrkyew jce`e{ejqmliec: jm`mhecel jqmeykb

    KlymqlmyWm`mjykrkyew yklffk: ake{e

    qmliec: jmgm~eyel vejy}:

    Jce`e{ej ymq~kwec wmgeqe

    imhofqebk jmgk`: ieh~ej

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    Imlfel jm`makcel iel jmj}qelfel ieqk hewklfhewklf hmike

    heje hmh}lg}`jel w}ey} }wece }ly}j hmhelbeeyjel `makc ieqk wey}

    hmike, {elf ikwma}y imlfel hmike hks Hmike hks hmq}d}j ~eie

    ~mlff}leel i}e eye} `makc amly}j hmike {elf amqamie ie`eh wma}ec

    qmlgele ~mqkj`elel #I}qkelyo my e`, 1>>7+ Ieweq }yehe ieqk

    ~mlffea}lfel i}e hmike eye} `makc eie`ec }ly}j hmlklfjeyjel

    delfje}el yoye` Hmike wmj}limq ie~ey hml{mikejel yehaecel

    jmwmh~eyel ~e~eqel klboqhewk hm`makck hmike {elf ~mqyehe

    1,2,9, Hmyoim ^mlfelffeqel ^qohowk

    Elffeqel ~qohowk hml}ld}jel yklfjey jmheh~}el ~mq}weceel

    }ly}j ie~ey hmhake{ek jmfkeyel ~qohowk Joy`mq #1>>9+ hmlfmh}jejel

    aecve ~mlfm`}eqel ~qohowk amqeie ~eie qewko ymqyklffk ymqceie~

    ~mld}e`el jeqmle ik~mq`}jel }ly}j #5+ hmhamqk klboqhewk jm~eie ~mham`k~oymlwke`, #1+ hmha}d}j oqelf }ly}j hmham`k ~qoi}j ky}, iel #7+

    hmlie~eyjel ikwyqka}wk ik yojoyojo mgmqel

    ^mlmye~el elffeqel ~qohowk ik~mq`}jel, efeq y}d}el ~qohowk

    ie~ey ikge~ek Amamqe~e ymjlkj {elf ie~ey ik~mqf}lejel }ly}j

    hmlmly}jel elffeqel ~qohowk ejel ik}qekjel wmaefek amqkj}y #Joy`mq,

    1>>>+ 4

    e Hmyoim Y}d}el iel Y}few #Oadmgykrm(Yewj Hmycoi+^mlff}leel hmyoim klk hmhmq`}jel wmqelfjekel `elfjec {eky} 4

    ~mlmly}el y}d}el ~qohowk, hmlmly}jel wyqeymfk, hmlmly}jel d}h`ec

    ~mlfm`}eqel {elf ika}y}cjel ie`eh kh~`mhmlyewk wyqeymfk ]ly}j

    hm`ej}jel d}wykbkjewk eyew elffeqel {elf ikymye~jel, heledmq

    ~mheweqel ceq}w hmlff}lejel ew}hwk ymqymly} {elf heh~}

    hmldm`ewjel ymlyelf y}d}el iel hmlfe~e ce` ky} ik`ej}jel Wckh~

    #5;;;+ hmldm`ewjel aecve ~eie hmyoim klk ~eqe ~mha}ey jm~}y}wel

    1=

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    a Hmyoim ^mqwmlyewm ^mld}e`el #^mqgmlyefm ob We`mw+

    Hmyoim klk welfey wmimqcele iel h}iec ik`ej}jel,imlfel

    hmlff}lejel hmyoim klk heje ~mlfm`}eqel }ly}j ~qohowk ie~ey

    ik~mqjkqejel wmam`}hl{e Hmyoim klk hmlioqolf heledmhml }ly}j

    hmh~mqceykjel c}a}lfel elyeqe ake{e ~qohowk, ceqfe d}e` iel `eae

    ~mq }lky

    g Hmyoim Jmwmkhaelfel ^mqweklfel #Goh~mykykrm ^eqky{+

    Hmyoim klk ik`ej}jel imlfel geqe hmlmly}jel elffeqel ~qohowk ieqk

    ~mqwmlyewm ~mld}e`el i}e eye} ykfe ~mq}weceel ~mweklf, imlfel

    hmh~mqceykjel jmwmkhaelfel ~mqweklfel ie~ey hmlgmfec ~mqelf

    ~qohowk

    i Hmyoim Wmw}ek Jmheh~}el #Eqakyqeq{+

    Ieweq {elf ikf}lejel }ly}j hmlmly}jel elffeqel ~qohowk eie`ec

    ~eie jmheh~}el ~mq}weceel }ly}j hml{mikejel iele Jmym~eyel

    ie`eh d}wykbkjewk {elf ik`ej}jel heledmq ejel welfey hmlmly}jel

    jmamqcewk`el ~qohowk ~qoi}j ~mq}weceel Hml}q}y Wckh~ #5;;;+ ~eie

    hmyoim klk, iele {elf ikelffeqjel eie`ec iele {elf ymqwkwe wmym`ec

    elffeqel {elf ikjm`}eqjel Hmyoim klk wmqklf ikf}lejel o`mc

    ~mq}weceel jmgk`, {elf gmlimq}lf wmaefek ~mlfkj}y ~eweq ie`eh

    ~mqweklfel kli}wyqk

    1,2,=, Mre`}ewk Mbmjykrkyew ^qohowk

    Ymqjeky imlfel amweql{e ake{e }ly}j jmfkeyel ~qohowk, heje

    ~mq`} ~mlfjedkel ejel mbmjykrkyew ieqk amqaefek amly}j jmfkeyel ~qohowk

    {elf ym`ec ik`ejwelejel ~mq}weceel Mre`}ewk ejel mbmjykrkyew klk hmldeik

    welfey ~mlyklf f}le hmldeik aecel ~mqykhaelfel }ly}j ~mqaekjel

    jmfkeyel ~qohowk {elf ejel ik`ej}jel o`mc ~mq}weceel jmim~el Wmgeqe

    }h}h, ikjmle` ykfe jqkymqke {elf ie~ey ikf}lejel }ly}j hmlf}j}q

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    1,6, BejyoqBejyoq {elf Hmh~mlfeq}ck Jm~}y}wel Ae}qel ^qohowk

    Ymqie~ey amamqe~e bejyoq {elf hmh~mlfeq}ck wyqeymfk ae}qel ~qohowk

    {elf ejel ik`ej}jel o`mc ~mq}weceel {eky} 4

    5 Iele {elf ymqwmike

    Amweql{e iele eye} elffeqel {elf ymqwmike }ly}j jm~mq`}el ~qohowk

    hmq}~ejel bejyoq ~mlmly} ie`eh ~ml{}w}lel wyqeymfk ~qohowk Wmhejkl

    amweq iele {elf ymqwmike, wmhejkl h}iec ~kcej heledmhml ie`eh

    hmh}y}wjel amly}j ~qohowk {elf ym~ey

    Akwlkw {elf hmhk`kjk iele {elf ael{ej ymly} hmhk`kjk jmheh~}el

    `makc amweq ie`eh hmlfjohaklewkjel m`mhmlm`mhml ~qohowk Wmae`kjl{e

    akwlkw {elf `mhec jm}elfell{e wmikjky wmje`k hmlff}lejel eirmqykwklf iel

    ~qohowk {elf mbmjykb

    1 Jeqejymqkwykj ~qoi}j

    Wyqeymfk ~qohowk {elf ik`ej}jel ejel amqamie }ly}j aeqelf {elf

    amqamie ^qohowk eye} aeqelf jolw}hwk ejel `makc ael{ej hmlff}lejel

    iele ~qohowkl{e }ly}j ~mqkj`elel jmh}ikel ~qohowk ~mld}e`el, ~mld}e`el

    ~qkaeik iel jmh}ikel ~}a`kwkyew Aeqelf kli}wyqk ejel `makc ael{ej

    hmlff}lejel ielel{e }ly}j ~mld}e`el ~qkaeik jmh}ikel ~qohowk ~mld}e`el,

    ~mqkj`elel iel ~}a`kwkwyew7 Jeqejymqkwykj ~eweq

    Wkbey ~eweq ejel hmh~mlfeq}ck ae}qel ~qohowk Jeqejymqkwykj ~eweq

    ie~ey ik`kcey ie`eh 7 ce` {eky} #5+ `}ew fmofqebkw ~eweqel, ~mqkj`elel hmldeik

    ~k`kcel ie`eh ~eweq {elf `}ew: #1+ jolwmlyqewk ~eweq, wmhejkl wmikjky ge`ol

    ~mham`k heje ~mld}e`el ~qkaeik `makc mbmjykb ikaeliklfjel imlfel

    ~mqkj`elel: #7+ d}h`ec dmlkw ~mham`k ~oymlwke`, wyqeymfk ~qohowk ejel

    ik`ej}jel amqamie }ly}j ~eweq {elf amqamie }ly}j ~eweq imlfel wmikjky dmlkw

    ~mham`k imlfel ~eweq {elf hmhk`kjk ael{ej dmlkw ~mham`k

    9 ^mheweq

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    2 ^mweklf

    Hmlfjedk ~mqweklfel eie`ec aefkel hmlieweq ieqk y}few ~qohowk,

    hmwjk~}l imhkjkel ael{ej oqelf ykiej hmhkjkqjel wmgeqe wmqk}w hmlfmlek

    wkbey ~mqweklfel ^mq}weceel ie~ey hmh~mqykhaelfjel wyqeymfk ~qohowk {elf

    ejel ikde`eljel amqieweqjel ejykrkyew ~qohowk {elf ikde`eljel ~mweklf, eye}

    ie~ey ~}`e hml{mw}ekjel imlfel yklfjey ~mqweklfel {elf eie ie`eh kli}wyqk

    6 Yece~ ie`eh ie}q cki}~ ~qoi}j

    Ieh~ej ieqk e`ey(e`ey ~qohowk amqamie(amie hmlfkj}yk

    ~mqjmhaelfel yece~ wkj`}w cki}~ ~qoi}j ymqwma}y ^eie yece~ ~mqjmle`el,

    ~mqkj`elel iel ~}a`kwkyew ikf}lejel }ly}j hmlikikj, hmlfeqecjel

    jolw}hml ~eie ~qoi}j aeq}, e~e kwykhmvel{e ~qoi}j ymqwma}y, jmle~e

    ~qoi}j ~mlyklf ikam`k iel wmaefekl{e wmcklffe ejel hmlkha}`jel jmweieqel

    {elf yklffk ieqk jolw}hml ejel ~qoi}j ymqwma}y Ikwklk ~mlyklf ~mqwole`

    wm``klf, d}fe ~ehmqel iel wcov ^eie yece~ ~mqy}ha}cel, ~mqkj`elel iel

    ~}a`kwkyew hewkc ymye~ amq~mlfeq}c j}ey, wmielfjel ~qohowk ~mld}e`el ie~ey

    ikj}qelfk jeqmle cel{e wmikjky klwmlykb ik~mq`}jel ~eie yece~ klk ^eie yece~

    klk jmfkeyel ~qohowk ikeqecjel }ly}j hmhelye~jel jm~mqge{eel hew{eqejey

    ^eie yece~ jmimveweel ~qohowk ~mld}e`el jmhae`k hmldeik ~mlyklf iel

    ~mqkj`elel ik~mq`}jel wmaefek qmhklimq ^mqkj`elel ikymjeljel ~eiejm}lff}`el ~qoi}j, efeq jolw}hml ykiej hmlfeqec ~eie img`klmYece~

    jmimveweel {elf ikyeliek imlfel ~mqweklfel {elf welfey yedeh heje

    hmlfceq}wjel ~mq}weceel hml{mikejel iele {elf `makc amweq }ly}j

    hmhake{ek jmfkeyel ~qohowk ^eie yece~ jmh}li}qel wky}ewk ~eweq w}iec

    `mw}, ~mld}e`el iel `eae hmlfe`ehk jmh}li}qel aecjel hmlimqkye jmq}fkel

    ]wece ~qohowk ceq}w ikj}qelfk ael{ej jmg}e`k dkje ~mq}weceel cmliej

    hmlfcki}~jel jmhae`k ~qoi}j ky} iel ~mq}weceel ceq}w w}iec hmheweqjel

    aeqelf aeq} }ly}j hmlffelykjel aeqelf `ehe

    3 Ae}qel ~mheweqel `ekll{e

    13

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    1,3, Hoim` EC^ #Ele`{ykge` Ckmqeqgc{ ^qogmww+

    Ele`ky{ge` Ckmqeqgc{ ^qogmww #EC^+ eie`ec w}ey} hmyoim ~mlfehak`el

    jm~}y}wel {elf wmimqcele iel b`mjwkam`, {elf hmleh~}lf jqmeykrkyew ie`eh

    qelgelfell{e ymqceie~ w}ey} hewe`ec Hoim` EC^ ~mqyehe je`k ikjmhaelfjel

    o`mc Ycohew @ Weey{, ec`k heymheykje ieqk ]lkrmqwky{ ob ^kywa}qfc, Ehmqkje

    Wmqkjey ~eie eve` yec}l 5;6>(el Ele`kwkw EC^ iky}d}jel }ly}j hmha}ey

    hoim` ~mqhewe`ecel {elf ykiej ymqwyq}jy}q iel akewel{e ikymqe~jel }ly}j

    hmhmgecjel hewe`echewe`ec ymq}j}q he}~}l hewe`echewe`ec {elf

    hmhmq`}jel ~mlie~ey #d}ifmhmly+

    EC^ hmhew}jel ew~mj j}e`kyeykb iel j}elykyeykb ~kjkqel hel}wke

    #Weey{,5;;7+ Ew~mj j}e`kyeykb hmlimbklkwkjel ~mqwoe`el iel ckqeqjkl{e iel

    ew~mj j}elykyeykb hmlfmjw~qmwkjel ~mlk`ekel iel ~qmbmqmlwk wmgeqe qklfjew iel

    ~eiey ^qowmw ky} wmlikqk ikqelgelf }ly}j hmlfklymfqewkjel ivk wkbey klk ^qowmw

    klk imlfel dm`ew hml}ld}jel aecve imhk ~mlfehak`el jm~}y}wel {elf wmcey

    ie`eh wky}ewk {elf joh~`mjw, wmcklffe ik~mq`}jel hmlmye~jel ~qkoqkyew iel

    hm`ej}jel ~mqykhaelfel

    ^eie ~mlmqe~el hmyoim EC^ {elf ik}yehejel eie`ec j}e`kyew ieye ieqk

    qmw~oliml, iel ykiej ymqfely}lf ~eie j}elykyewl{e #Weey{, 5;;7+ O`mc jeqmle

    ky}, ~mlk`ekel EC^ hmhmq`}jel ~eqe ~ejeq wmaefek qmw~oliml ie`eh~mlfehak`el jm~}y}wel ie`eh ~mhk`kcel e`ymqleykb ^eqe ~ejeq ikwklk hmq}~ejel

    oqelfoqelf joh~myml {elf amleqamleq hmlf}ewek, hmh~mlfeq}ck

    ~mlfehak`el jmakdejel eye} amleqamleq hmlfmyec}k klboqhewk {elf

    ika}y}cjel ]ly}j d}h`ec qmw~oliml ie`eh hmyoim EC^ ykiej hmhk`kjk

    ~mq}h}wel ymqymly}, leh}l cel{e eie aeyew hklkh}h {eky} i}e oqelf

    qmw~oliml

    EC^ ym`ec ael{ej ikf}lejel o`mc ~eqe ~mlfehak` jm~}y}wel }ly}j

    hmhaely} hmhmgecjel hewe`ec {elf joh~`mjw Hml}q}y Weey{ #5;;7+ EC^

    ie~ey ikf}lejel }ly}j ~mlfehak el jm~}y}wel wm~mqyk 4 hmlmye~jel ~qkoqkyew

    1;

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    1,3,5, ^qklwk~ Jmqde EC^

    Ie`eh hmyoim EC^ ymqie~ey ykfe ~qklwk~ ie`eh hmhmgecjel

    hewe`ec, {eky} 4

    5 Hml{}w}l ckqeqjk

    Ckqeqjk hmq}~ejel e`ey hmlieweq ieqk ~kjkqel hel}wke {elf

    hm`kaeyjel ~mlfkimlykbkjewkel m`mhmlm`mhml w}ey} ~mqwoe`el,

    hmlfm`oh~ojel m`mhmlm`mhml ky} jmie`eh amamqe~e j}h~}`el {elf

    cohofml, iel hmleye j}h~}`elj}h~}`el klk ~eie yklfjey {elfamqamie ^eie ~qklwk~ klk ~mq}weceel amq}wece }ly}j hmlffehaeqjel

    eye} hmlf}qekjel ~mqhewe`ecel eye} qme`kye wmgeqe ckqeqjk ]ly}j

    hmhmgecjel ~mqhewe`ecel {elf joh~`mjw heje wmam`}hl{e

    ~mqhewe`ecel ymq`makc iec}`} ikimbklkwkjel @e`} ik`ej}jel ~mhmgecel

    ~mqwoe`el {elf }y}c hmldeik }lw}q}lw}ql{e, aecjel weh~ek ykiej

    h}lfjkl ik`ej}jel ~mhmgecel `makc `eld}y, wmcklffe ikie~eyjel

    amamqe~e yklfjeyel ieqk ~mqwoe`el ymqwma}y Jeqmle e`ewel klk heje

    ~qowmw ele`kwkw iklehejel ckqeqjk Wmgeqe }h}h m`mhml {elf

    ikf}lejel ~eie ckqeqjk eie`ec bog}w, boqgmw, egyoqw, oadmgkykrmw, iel

    wgmleqko

    1 Hmlmye~jel ^qkoqkyew^qklwk~ klk hmha}ey ~mlk`ekel ymlyelf jm~mlyklfel qm`eykb i}e

    m`mhml ~eie w}ey} yklfjey ymqymly} ie`eh jekyell{e imlfel yklfjey

    ikeyewl{e ^mlk`ekel klk hmq}~ejel klyk ieqk EC^, jeqmle ke ejel

    amq~mlfeq}c ymqceie~ ~qkoqkyew m`mhmlm`mhml Cewk` ieqk ~mlk`ekel klk

    ejel ikwedkjel ie`eh amly}j heyqkjw ^ekqvkwm Goh~eqkwol

    7 Jolwkwymlwk @ofkw

    Jolwkwymlwk hmhk`kjk i}e hejle ^mqyehe eie`ec oadmjoadmj

    {elf wmq}~e ie~ey ikjm`oh~ojel wmw}ek imlfel jmwmqefehel iel

    qm`mrelwk Eqyk jmi}e hml{elfj}y ~eie yklfjey c}a}lfel elyeqe

    7>

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    1,3,1, @elfjec@elfjec ^mlff}leel EC^

    Weey{ #5;;7+ hmldm`ewjel ymqie~ey amamqe~e `elfjec ie`eh

    ~mlff}leel hmyoim EC^ wmaefek w}ey} e`ey }ly}j hmhmgecjel

    ~mqwoe`el Eie~}l `elfjec`elfjec {elf ikhejw}i {eky} 4

    5 Hmlimbklkwkjel ~mqwoe`el iel hmqklgk ~mhmgecel {elf ikkklfkljel

    Ce` ~mqyehe {elf ceq}w ik`ej}jel {eky} hmlfkimlykbkjewk ~mqwoe`el

    imlfel hm`ej}jel ele`kwe eye} ~mhecehel {elf hmlie`eh ymqceie~

    ~mqwoe`el {elf ikceie~k iel klfkl ik~mgecjel Wmym`ec ky} ie~eyik`ej}jel ~mlfkimlykbkjewkel iel ~mhk`kcel m`mhmlm`mhml {elf ejel

    hew}j joh~olml wkwymh, wm~mqyk bog}w, boqgmw, egyoqw, oadmgkykrmw,

    iel wgmleqko ie`eh wyq}jy}q EC^ lelykl{e Ie`eh EC^ wmlikqk ykiej

    ymqie~ey ~qowmi}q {elf ~ewyk }ly}j hmlfkimlykbkjewk joh~olml

    joh~olml wkwymh Joh~olmljoh~olml wkwymh ie~ey

    ikkimlykbkjewkjel amqieweqjel jmheh~}el ~eie ele`kwe }ly}j

    hmlmh}jel }lw}q}lw}q {elf ie~ey ik`kaeyjel ie`eh w}ey} wkwymh

    1 Hmha}ey wyq}jy}q ckqeqjk ieqk w}i}y ~elielf heledmqke` wmgeqe

    hml{m`}q}c

    Ckqeqjk hmq}~ejel w}ey} eawyqejwk wyq}jy}q w}ey} wkwymh {elf

    hmh~m`edeqk b}lfwk klymqejwk elyeq joh~olml iel ieh~ejl{e ymqceie~wkwymh Eawyqejwk klk hmh~}l{ek amly}j {elf we`klf amqjekyel

    Wyq}jy}q ckqeqjk ikw}w}l amqieweqjel dmlkw jm~}y}wel {elf ejel

    ikehak` amqieweqjel w}i}y ~elielf ieqk yklfjey ~}lgej weh~ek jm

    yklfjey ikhele ikh}lfjkljel geh~}q yelfel }ly}j hmhmgecjel

    ~mqwoe`el ymqwma}y Ckqeqjk {elf ie~ey ymqamly}j ie`eh hmyoim EC^

    wmlikqk ie~ey amq}~e ckqejk `mlfje~ iel ckqeqjk yej `mlfje~ Ie`eh

    wyq}jy}q ckqeqjk `mlfje~, wmh}e m`mhml ~eie wey} m`mhml ~eie wey}

    yklfjey hmhk`kjk c}a}lfel imlfel wmh}e m`mhml {elf eie ~eie

    yklfjey amqkj}yl{e Dkje ykiej imhkjkel ckqeqjk {elf ymqamly}j eie`ec

    75

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    Fehaeq 5 Wyq}jy}q Ckqeqjk @mlfje~

    W}hamq 4 H}`{olo ie`eh [elyk, 1>>9

    7 Hml{}w}l heyqkjw aeliklf amq~ewelfel

    Heyqkjw ~mqaeliklfel amq~ewelfel klk amqb}lfwk }ly}j hmlfmyec}k

    jolyqka}wk iel ~mlfeq}c wmyke~ m`mhml {elf qm`mrel eyew wmyke~ jqkymqke

    {elf amq~mlfeq}c {elf amqeie wmyklfjey ikeyewl{e ^eie heyqkjw klk,

    ~ewelfel~ewelfel m`mhml ikaeliklfjel amqjmleel w}ey} jqkymqke ik

    yklfjey {elf `makc yklffk Ie`eh hmhaeliklfjel i}e m`mhml,

    akewel{e hmhamqk w}ey} ~mqykhaelfel {elf hml}ld}jel iohklewk

    wmaefek ak`elfel a}`ey Heyqkjw klk hmhk`kjk wey} ymh~ey }ly}j

    hmhew}jjel ak`elfel ky} iel wey} ymh~ey `ekl }ly}j hmhew}jel lk`ek

    qmwk~qoje`l{e

    9 Hmlie~eyjel wmh}e ~mqykhaelfel {elf ik~mq`}jel }ly}j

    hmlfmhaelfjel ~mqelfjey heyqkjw ik`elfjec 7

    Wmym`ec heyqkjw ~mhaeliklf amq~ewelfel elyeq m`mhml ika}ey,

    ik`ej}jel ~mhaeliklfel amq~ewelfel elyeq wmyke~ m`mhml ~eie jo`oh

    jm(k imlfel wmyke~ m`mhml ~eie aeqkw jm(d ^mhaeliklfel amq~ewelfel

    elyeq m`mhml ymqwma}y ik`ej}jel imlfel ~mqyel{eel wmamqe~e j}ey

    B

    B5 B1 B7 B9

    J5 J1 J7 J9 Jl

    J55 J51 J57 J59 Jl5

    Boj}w

    Bejyoq

    Bejyoq

    E`ymq

    leykb

    71

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    h}lfjkl w}ey} m`mhml aeqkw jm(k ikaeliklfjel imlfel m`mhml

    ik~}lgej ckqeqjk ? ]ly}j hmlfkwk heyqkjw aeliklf amq~ewelfel,

    ikf}lejel wje`e aeliklf {elf ymqymqe ~eie yeam` 2 Elfjeelfje {elf

    ymqymqe hmlffehaeqjel qm`eykb ~mlyklfl{e w}ey} m`mhml ikaeliklfjel

    imlfel m`mhml `ekll{e wmc}a}lfel imlfel wkbey jqkymqke ymqymly}

    ^mlfkwkel heyqkjw cel{e ik`ej}jel }ly}j aefkel ikeyew feqkw ikefole`

    ieqk jkqk jm jelel aevec

    Yeam` 2 Lk`ek Wje`e Aeliklf Amq~ewelfelKlymlwkyew

    ^mlyklfl{e

    Imbklkwk ^mldm`ewel

    5 Jmi}e m`mhml wehe

    ~mlyklfl{e

    I}e m`mhml

    hml{}haelf wehe

    amweq ~eie wkbey ky}

    7 M`mhml {elf wey} wmikjky `makc

    ~mlyklf ieqk~eie m`mhml {elf

    `ekll{e

    ^mlfe`ehel iel

    ~mqykhaelfel wmikjky

    hml{ojolf wey}

    m`mhml eyew m`mhml{elf `ekll{e

    = M`mhml {elf wey} welfey

    ~mlyklf ieqk~eie m`mhml {elf

    `ekll{e

    ^mlfe`ehel iel

    ~mqykhaelfel imlfel

    j}ey hml{ojolf wey}

    m`mhml eyew m`mhml

    {elf `ekll{e

    6 Wey} m`mhml dm`ew `makc

    ~mlyklf ieqk~eie m`mhml {elf

    `ekll{e

    A}jyk {elf hml{ojolf

    m`mhml {elf wey} eyew

    {elf `ekll{e hmhk`kjk

    ykljey ~mlmfewel {elfymqyklffk {elf h}lfjkl

    hmlf}eyjel

    ; Wey} m`mhml h}y`ej `makc

    ~mlyklf ieqk~eie m`mhml {elf

    `ekll{e

    A}jyk {elf hml{ojolf

    m`mhml {elf wey} eyew

    {elf `ekl{e hmhk`kjk

    yklfjey ~mlmfewel {elf

    ymqyklffk {elf h}lfjkl

    hmlf}eyjel

    1,9,2,3 Lk`eklk`ek ikelyeqe i}e

    ~mqykhaelfel {elf amqimjeyel

    Joh~qohk ik~mqceykjel

    ik elyeqe i}e~mqykhaelfel

    Jmae`kjel Dkje }ly}j ejykrkyew K hmlie~ey wey} elfje ak`e

    ikaeliklfjel imlfel ejykrkyew d, heje d hmhk`kjk lk`ek

    jmae`kjell{e ak`e ikaeliklfjel imlfel k

    W}hamq4 Weey{, 5;;7

    77

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    jmae`kjell{e Heyqkjw ikaevec feqkw ikefole` }yehe ikkwk imlfel

    lk`ek(lk`ek jmae`kjell{e Golyoc, ak`e m`mhml B19 hmhk`kjk lk`ek 6,

    heje lk`ek m`mhml B19 eie`ec 5/6

    2 Hm`ejwelejel `elfjec 7, 9 iel = }ly}j wmh}e yklfjey iel f}f}wel

    ie`eh ckqeqjk ymqwma}y ^mhaeliklfel ik`eld}yjel }ly}j wmh}e m`mhml

    ~eie wmyke~ yklfjey jm~}y}wel {elf ymqie~ey ~eie ckqeqjk, amqjmleel

    imlfel jqkymqke m`mhml ikeyewl{e Heyqkjw ~mqaeliklfel ie`eh EC^

    ikamiejel hmldeik i}e {eky} 4 Heyqkjw ^mlie~ey Klikrki} #H^K+ ielHeyqkjw ^mlie~ey Fea}lfel #HF^+

    5 Heyqkjw ^mlie~ey Klikrki} #H^K+H^K eie`ec heyqkjw cewk` ~mhaeliklfel {elf ik`ej}jel klikrki}

    H^K hmhk`kjk m`mhml {elf ikwkhao`jel imlfel ekd, {eky} m`mhml

    heyqkjw ~eie aeqkw jo`oh jm(k iel jo`oh jm(d H^K ie~ey ik`kcey

    ~eie yeam` 9

    Yeam` 9 Heyqkjw ^mlie~ey Klikrki}

    S E5 E1 E7 El

    E5 e55 e51 e57 e5l

    E1 e15 e11 e17 e1l

    E7 e75 e71 e77 e7l

    El el5 el1 el7 ell

    1 Heyqkjw ^mlie~ey Fea}lfel #H^F+H^F eie`ec w}w}lel heyqkjw aeq} {elf m`mhml #f kd+ amqewe` ieqk

    qeye(qeye fmohmyqkj ~mlie~ey(~mlie~ey klikrki} {elf qewko

    kljolwkwymlwkl{e `makc jmgk` eye} wehe imlfel 5>- iel wmyke~

    m`mhml ~eie aeqkw iel jo`oh {elf wehe ieqk H^K {elf wey} imlfel

    79

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    Yeam` = Heyqkjw ^mlie~ey Fea}lfel

    S F5 F1 F7 Fl

    F5 f55 f51 f57 F5l

    F1 f15 f11 f17 F1l

    F7 f75 f71 f77 F7l

    Fl fl5 fl1 fl7 fll

    Q}h}w qeyeel fmohmyqkj eie`ec wmaefek amqkj}y 4

    fkd 8 ll

    j

    jkde

    85

    +# #5+

    imlfel 4 l 8 d}h`ec qmw~oliml #~ejeq+

    ekd#j+ 8 wm` ~mlk`ekel wmyke~ ~ejeq

    6 Hmlff}lejel joh~owkwk wmgeqe ckqeqjk }ly}j hmhaoaoyjel rmjyoq

    rmjyoq ~qkoqkyew ky} imlfel aoaoy jqkymqke(jqkymqke iel hmld}h`ecjel

    wmh}e lk`ek ~qkoqkyew ymqaoaoy {elf amqwelfj}yel imlfel lk`ek ~qkoqkyew

    ieqk yklfjey aevec amqkj}yl{e iel wmymq}wl{e Eie~}l rmjyoq ~qkoqkyew

    ie~ey ikcky}lf imlfel q}h}w4

    R^ #Rmjyoq ^qkoqkyew+ 8

    8

    ll

    k

    kde

    RM

    5

    #1+

    ikhele 4

    RM #Rmjyoq Mkfml + 8 ll

    k

    kde

    85

    #7+

    imlfel 4 ekd 8 m`mhml H^A ~eie aeqkw jm(k iel jo`oh jm(d

    l 8 d}h`ec m mhml {elf ik~mqaeliklfjel

    3 Hmlfmre`}ewk kljolwkwymlwk }ly}j wm`}q}c ckqeqjk

    7=

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    jolwkwymlwk egej, {elf wmw}ek imlfel ikhmlwk hewklfhewklf heyqkjw

    Imlfel geqe {elf wehe wmyke~ klimjw jolwkwymlwk egej d}fe ikaoaoy

    amqieweqjel ~qkoqkyew jqkymqke {elf amqwelfj}yel iel cewk`l{e

    ikd}h`ecjel Qewko jolwkwymlwk ckqeqjk ceq}w 5> - eye} j}qelf Dkje

    ykiej, h}y} klboqhewk ceq}w ik~mqaekjk, elyeqe `ekl imlfel

    hmh~mqaekjk geqe hmlff}lejel ~mqyel{eel jmykje hm`ej}jel

    ~mlfkwkel }`elf j}mwkolmq eye} `makc aekj ie`eh hmlfeqecjel

    qmw~oliml {elf hmlfkwk j}mwkolmq Leh}l aeyewel ikymqkhe eye}ykiejl{e jolwkwymlwk w}ey} heyqkjw wmamleql{e ykiej eie {elf aej},

    wm~mqyk Bmvkieqyo #5;;2+ hmldm`ewjel aecve dkje yklfjey kljolwkwymlwk

    wmamweq 5> ~mqwml jm aevec ykiej ikge~ek heje ie~ey ikf}lejel aeyew

    {elf `makc amweq eye} aecjel qeyeel GQ ~mlk`ekel ~ejeq

    Q}h}w }ly}j ~mqcky}lfel }dk jolwkwymlwk eie`ec wmaefek amqkj}y 4

    GK #Klimjw Jolwkwymlwk+GK 8

    5

    hes

    l

    l#9+

    imlfel 4 GK 8 Klimjw Jolwkwymlwk

    hes 8 mkfml re`}m hejwkh}h

    l 8 d}h`ec m`mhml {elf ik~mqaeliklfjelikhele 4

    hes 8l

    RA#=+

    RA #Lk`ek Mkfml+ 8R^

    RE#2+

    RE #Rmjyoq Elyeqe+ 8 ekd s R^ #6+@makc `eld}y klfkl ikjmyec}k e~ejec GK imlfel amweqel g}j}~

    aekj eye} ykiej, heje ~mq`} ikjmyec}k qewko jolwkwymlwkl{e #GQ+

    imlfel q}h}w {eky} 4

    72

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    hmlff}lejel weh~`m amq}j}qel 5>> Yeam` QK ymqwma}y eie`ec

    wmaefek amqkj}y 4

    Yeam` 2 4 Klimjw Egej

    l 5 1 7 9 = 2 6

    QK >,>> >,>> >,=3 >,;> 5,51 5,19 5,71

    l 3 ; 5> 55 51 57 59

    QK 5,95 5,9= 5,9; 5,=5 593 5=2 5=6

    W}hamq 4 Bmvkieqyo #5;;2+

    1,3,7, Jm}ly}lfel EC^

    Wmgeqe }h}h, jm}ly}lfel ~mlff}leel hmyoim EC^ ie~ey

    ikkjcykweqjel wmaefek amqkj}y #Heeqkb iel Yeld}lf, 1>>7+ 4

    e Jmwey}el 4 EC^ hmhamqk wey} hoim` y}lffe` {elf h}iec ikhmlfmqykiel `}vmw }ly}j elmje qefeh ~mqwoe`el yej ymqwyq}jy}q

    a Joh~`mjwkyew 4 EC^ hmhei}jel elgelfel imi}jykb iel elgelfelamqieweqjel wkwymh ie`eh hmhmgecjel ~mqwoe`el

    g We`klf jmymqfely}lfel 4 EC^ ie~ey hmlelfelk we`klf jmymqfely}lfelm`mhmlm`mhml ie`eh w}ey} wkwymh iel yej hmhejwejel ~mhkjkqel

    `klkmq

    i ^ml{}w}lel ckqeqjk 4 EC^ hmlgmqhkljel jmgmlimq}lfel e`ehk~kjkqel }ly}j hmhk`ec m`mhmlm`mhml w}ey} wkwymh ie`eh amqaefek

    yklfjey amq`eklel iel hmlfm`oh~ojel }lw}q {elf wmq}~e ie`eh wmyke~

    yklfjey

    m ^mlf}j}qel 4 EC^ hmhamqk w}ey} wje`e }ly}j hmlf}j}q oadmj ie`ehv}d}i w}ey} hmyoim }ly}j hmlmye~jel ~qkoqkyew

    b Jolwkwymlwk 4 EC^ hm`egej jolwkwymlwk `ofkw ieqk ~mqykhaelfel~mqykhaelfel {elf ikf}lejel ie`eh hmlmye~jel amqaefek ~qkoqkyew

    f Wklymwkw 4 EC^ hml}ly}l ~eie w}ey} yejwkqel {elf hml{m`}q}c

    76

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    k ^mlk`ekel iel jolwmlw}w 4 EC^ yej hmhejwejel jolwml}w, ymye~khmlwklymwkw w}ey} cewk` {elf qm~qmwmlyeykb ieqk amqaefek ~mlk`ekel {elf

    amqamieamie

    d ^mlf}`elfel ~qowmw 4 EC^ hmh}lfjkljel oqelf hmh~mqce`}wimbklkwk hmqmje ~eie w}ey} ~mqwoe`el iel hmh~mqaekjk ~mqykhaelfel

    iel ~mlfmqykel hmqmje hm`e`}k ~mqoqelfel

    1,;, ^mlm`kykel Ymqiec}`}

    ^mlm`kykel ymqiec}`} {elf hmldeik qmbmqmlwk aefk ~ml}`kw, hmlfelfjey

    yo~kj {elf wehe wm~mqyk {elf ikelfjey ie`eh ~mlm`kykel klk {eky} hmlfmlek

    wyqeymfk ~qohowk Leh}l, jmi}e ~mlm`kykel ymqiec}`} hml{oqoyk wyqeymfk

    ~qohowk ~eie wyewk}l ym`mrkwk wvewye ik Kliolmwke wmielfjel ~mlm`kykel klk

    hmlfelfjey wyqeymfk ~qohowk jeqy} jqmiky

    ^mlm`kykel [elyk #1>>9+ imlfel d}i}` Ele`kwkw Wyqeymfk ^qohowk

    ELYR ie`eh Jekyell{e Imlfel Aqeli Khefm ^mq}weceel hmldm`ewjel

    aecve Elyr hm`ej}jel jmfkeyel ae}qel ~qohowk {elf hm`k~}yk ~mqkj`elel,

    c}a}lfel hew{eqejey iel ~}a`kwkyew, ~mheweqel `elfw}lf, ~qohowk ~mld}`el,

    iel ~mld}`el `elfw}lf Wm`ekl jmfkeyel ae}qel ~qohowk wmaefek wyewk}l

    ym`mrkwk, Elyr hm`ej}jel jmfkeyel ~qoho ol(ekq iel ~qoho obb(ekq

    Wmc}a}lfel Elyr h}`ek hmlimwekl }`elf gkyqe hmqmj imlfel qmwyq}jy}qkwewk

    ~mq}weceel ik aevec ~mlfm`o`eel heledmhml aeq} heje [elyk hmlehaecjel

    gkyqe hmqmj wmaefek bejyoq {elf hmh~mlfeq}ck ~ml{}w}lel wyqeymfk ~qohowk

    ~mq}weceel Ie`eh ~mlm`kykell{e klk [elyk hmlff}lejel hmyoim ^CE }ly}j

    hmlfele`kwkw wyqeymfk ~qohowk Elyr iel ikwma}yjel aecve e`ymqleykb wyqeymfk

    {elf ik~qkoqkyewjel aefk Elyr }ly}j hmlge~ek y}d}ell{e eie`ec amq~qohowk

    imlfel hmlklfjeyjel bqmj}mlwk/klymlwkyewl{e imlfel aoaoy >,959

    [}lkie #1>>2+ ie`eh ~mlm`kykell{e {elf amqd}i}` Ele`kwe Wyqeymfk

    ^qohowk ^Y Ym`mrkwk Yqelwboqhewk Kliolmwke #Yqelw YR+ hmlff}lejel i}e

    73

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    ~mq}weceel eie`ec bejyoq imlfel ~qkoqkyew }yehe ^eie ~mlm`kykell{e d}fe

    ikwma}yjel aecve e`ymqleykb wyqeymfk ~qohowk {elf ie~ey ik~qkoqkyewjel aefk

    Yqelw YR eie`ec hm`ej}jel ol ekq ~qoho {elf ikymjeljel ~eie ~mq}weceel

    E`ymqleykb klk ik`ej}jel efeq khefm iel eveqmlmww ~mhkqwe #e}ikml+ ie~ey

    ikaelf}l

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    KKK, HMYOIO@OFK MLM@KYKEL

    7,5, Jmqelfje ^mhkjkqel Jolwm~y}e`

    Aelj AQK imlfel wyey}w jm~mhk`kjel Aeiel ]wece Hk`kj Lmfeqe

    ymqhew}j we`ec wey} aelj {elf h}y`ej ik~mqcky}lfjel ie`eh jelgec

    ~mqaeljel lewkole` Wm`ekl amqboj}w wmaefek `mhaefe klymqhmikewk ~mlo~elf

    ~mqjmhaelfel ]HJH ik Kliolmwke, Aelj AQK ykiej hmlfml{eh~klfjel

    b}lfwk iel ~mqell{e wmaefek aelj johmqwke` ie`eh wmjyoq jolw}hmq

    #golw}hmq aeljklf+ Ykiej cel{e wmaefek ymh~ey }ly}j hmlea}lf eye}

    hmhamqkjel jqmiky aefk ]HJH, leh}l Aelj AQK d}fe hmhamqkjel ~qoi}j

    eye} bewk`kyewbewk`kyew ~mlyklf `ekll{e wmaefek }wece }ly}j ymq}w hmhml}ck

    y}ly}yel iel jm~}ewel ieqk ~eqe leweaec eye}~}l hew{eqejey wmqye }ly}j

    hml{mw}ekjel ikqk imlfel jolikwk ~mqaeljel weey klk Ce` ymqwma}y ymly}l{e

    ik`ej}jel o`mc Aelj AQK amqjmleel imlfel rkwk {elf ikhk`kjk {eky} Hmldeik

    Aelj Johmqwke` {elf Wm`e`} Hmlf}yehejel Jm~}ewel Leweaec imlfel

    hmlfmim~eljel ykfe hkwk wmaefek amqkj}y 4

    5 Hm`ej}jel jmfkeyel ~mqaeljel {elf ymqaekj imlfel hmh~qkoqkyewjel~m`e{elel jm~eie ]wece Hkjqo Jmgk` iel Hmlmlfec #]HJH+ }ly}j

    hml}ldelf ~mqmjolohkel hew{eqejey

    1 Hmhamqkjel ~m`e{elel ~qkhe jm~eie ~eqe leweaec hm`e`}k deqklfel jmqde{elf ymqwmaeq `}ew iel iki}j}lf w}hamq ie{e hel}wke #WIH+ {elf

    ~qobmwkole` imlfel yeye jm`o`e ~mq}weceel {elf aekj #Fooi Goq~oqeym

    Formqlelgm+

    7 Hmhamqkjel jm}ly}lfel iel helbeey wmo~ykhe` h}lfjkl jm~eie amqaefek~kcej {elf amqjm~mlyklfel

    We`ec wey} v}d}i l{eye ieqk }wece ~mlge~ekel rkwk iel hkwk ymqwma}y,

    ymq}yehe ie`eh golw}hmq aeljklf {eky} imlfel ikjm`}eqjell{e jeqy} jqmiky

    9>

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    ymq`ehaey ie`eh hmhew}jk ~eweq Ceh~kq wm`}q}c aelj ik Kliolmwke, aekj

    aelj `oje` he}~}l aelj ewklf, ym`ec hmlfm`}eqjel jeqy} jqmiky ymq`makc

    iec}`} ikaeliklfjel Aelj AQK ^eqe ~m`ej} akwlkw jeqy} jqmiky ymqwma}y d}fe

    ym`ec hm`}lg}qjel amqaefek ~qofqeh~qofqeh hmleqkj wmgeqe amweq(amweqel

    f}le hmh~mq`}ew ~elfwe ~eweql{e

    Ie`eh hml{kje~k kj`kh ~mqweklfel {elf wmhejkl joh~mykykb wmqye

    hmh~mqykhaelfjel Jeqy} Jqmiky AQK hmq}~ejel wma}ec ~qoi}j ~mqaeljel

    {elf ymqfo`olf aeq} ikjm`}eqjel heje Aelj AQK ~mq`} hm`ejwelejel~qohowk f}le hmh~mqjmle`jel jeqy} jqmiky AQK jm ymlfec hew{eqejey

    Joy`mq #1>>>+ hmldm`ewjel aecve ~qohowk wmaefek hmike joh}lkjewk

    ~mheweqel hmhk`kjk `khe jmfkeyel }yehe, {eky} ~mqkj`elel #eirmqykwklf+,

    ~mld}e`el ~qkaeik #~mqwole` wm``klf+, ~qohowk ~mld}e`el #we`mw ~qohoykol+,

    ~}a`kwkyew iel c}a}lfel hew{eqejey #~}a`kgky{ eli ~}a`kg qm`eykolw+,

    ~mheweqel `elfw}lf #ikqmgy heqjmyklf+

    ^mlm`kykel klk ejel hmlfjedk eye} hmlfmyec}k wyqeymfk ~qohowk {elf

    ym`ec ik`ej}jel o`mc Aelj AQK }ly}j ~qoi}j Jeqy} Jqmiky AQK,

    hmlfkimlykbkjewk bejyoq(bejyoq {elf hmh~mlfeq}ck jm~}y}wel wyqeymfk iel

    d}fe hml{}w}l e`ymqleykb wyqeymfk ~qohowk {elf ikceqe~jel ie~ey hmldeik

    ~mqykhaelfel aefk Aelj AQK }ly}j hmh~qohowkjel Jeqy} Jqmiky AQK

    imlfel hmlff}lejel EC^ #Ele`{ykge` Ckmqeqgc{ ^qogmww+ Eie~}l

    ~mqykhaelfel ~mlff}leel hmyoim klk, ~mqyehe imlfel EC^ w}ey} hewe`ec

    ik~elielf ie`eh w}ey} jmqelfje amqbkjkq {elf ymqoqfelkwkq iel wmimqcele,

    wmcklffe hmh}lfjkljel }ly}j hmlfehak` jm~}y}wel {elf mbmjykb Jmi}e,

    EC^ ejel hml}ld}jel ~qkoqkyew }ly}j w}ey} jqkymqke iel e`ymqleykb {elf

    iky}q}ljel ieqk cewk` joh~eqewk amq~ewelfel imlfel geqe hmlmly}jel iel

    hmlfklymq~qmyewkjel jolwkwymlwk ieqk ~mlk`ekel j}e`kykeykb jm ~mlie~ey

    j}elykyeykb, wmcklffe ie~ey hml}ld}jel cewk` e`ymqleykb wyqeymfk ~qohowk {elf

    `makc dm`ew e~ejec wey} e`ymqleykb `makc aekj ikaeliklfjel imlfel amamqe~e

    95

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    Fehaeq 1 Jmqelfje ^mlm`kykel

    7,1, @ojewk iel Vejy} ^mlm`kykel

    ^mlm`kykel klk ik`ejwelejel ~eie ^Y Aelj Qej{ey Kliolmwke #^mqwmqo+

    Yaj, jelyoq ~}wey, {elf amq`ojewk ik D`l Dmliqe` W}ikqhel Jer`klf 99(92

    Aelj AQK

    Rkwk iel Hkwk

    Jeqy} Jqmiky AQK

    #^qoi}j Aeq}+

    Wyqeymfk qohowk

    ^mqkj`elel ^mld}e`el

    ^qkaeik

    ^qohowk

    ^mld}e`el

    ^}a`kwkyew

    iel C}hew

    ^mheweqel

    @elfw}lf

    Kimlykbkjewk Wyqeymfk ^qohowk {elf ik de`eljel

    Aelj AQK weey klk

    ^mhk`kcel Wyqeymfk ^qohowk Jeqy} Jqmiky AQK

    amqieweqjel e`ymqleykb {elf eie

    Qmjohmliewk Wyqeymfk ^qohowk aefk Aelj AQK

    Kimlykbkjewk Bejyoq Bejyoq {elf hmh~mlfeq}ck

    Jm~}y}wel ml{}w}lel Wyqeymfk qohowk

    EC^

    91

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    7,7, Hmyoim ^mlm`kykel

    7,7,5, Hmyoim ^mlf}h~}`el Ieye

    ^eie ~mlm`kykel klk w}hamq ieye ikie~eyjel aekj ieqk ieye ~qkhmq

    he}~}l ieye wmj}limq

    5 Ieye ~qkhmq hmq}~ejel w}hamq ieye ~mlm`kykel {elf ikie~ey ieqkw}hamq ~mqyehe aekj klikrki} he}~}l jm`oh~oj imlfel

    hmlff}lejel ymjlkj ~mlf}h~}`el ieye amq}~e vevelgeqe iel d}fe

    ~mlfkwkel j}mwkolmq Vevelgeqe ik`ej}jel imlfel ~kcej~kcej

    {elf ymqjeky eye} ec`k, {eky} ieqk Aelj AQK

    1 Ieye wmj}limq ie`eh ~mlm`kykel klk ik~mqo`mc ieqk ieye ~mq}weceeliel wy}ik `kymqey}q wm~mqyk a}j}, hede`ec, klymqlmy iel wjqk~wk

    #~mlm`kykel ymqiec}`}+ {elf ymly}l{e ymqjeky imlfel yo~kj ~mlm`kykel

    7,7,1, Hmyoim ^mlfehak`el Weh~m`^mhk`kcel qmw~oliml ~eie ~mlm`kykel klk ik`ej}jel wmgeqe

    wmlfede #~}q~owkrm weh~`klf+ Ce` klk ymly}l{e hmh~mqykhaelfjel

    ~mhecehel qmw~oliml hmlfmlek wyqeymfk ~qohowk iel d}fe amweql{e

    ~mqelel ~eqe qmw~oliml {elf ik~k`kc ie`eh ~mq}h}wel iel ~m`ejweleel

    wyqeymfk ~qohowk ~mq}weceel

    Eie~}l d}h`ec qmw~oliml ymqikqk ieqk 9 oqelf, jeqmle ie`eh

    hmyoim EC^ wmlikqk ykiej hmhk`kjk ~mq}h}wel ymqymly} }ly}j

    hmlfehak` d}h`ec weh~m` {elf ym~ey, cel{e ymqie~ey aeyew hklkh}h

    {eky} 1 oqelf qmw~oliml Qmw~oliml ik~k`kc imlfel ~mqykhaelfel

    aecve hmqmje amleqamleq hmlf}ewek, hmh~mlfeq}ck ~mlfehak`el

    jmakdejel eye} amleq amleq hmlfmyec}k klboqhewk {elf ika}y}cjelWmcklffe hmqmje g}j}~ joh~myml ie`eh hmvejk`k jmwm`}q}cel

    ~o~}`ewk Leh}l, qmw~oliml ykiej amqeqyk hmvejk`k w}ey} m`mhml eye}

    }lw}q ymqymly} ~eie ckqeqjk, jeqmle jmi}e ce` klk hmq}~ejel reqkeam`

    97

    7 7 7 H y i ^ ` c i E `k k I y

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    7,7,7, Hmyoim ^mlfo`ecel iel Ele`kwkw Ieye

    ^mlfo`ecel ieye ik`ej}jel imlfel hmyoim EC^ Amqieweqjel

    jmqelfje jmqde EC^, ~mlm`kykel klk ikeve`k imlfel ~mha}eyel ckqeqjk

    {elf ikw}w}l amqieweqjel wy}ik `kymqey}q, ieye ioj}hmlymq ~mq}weceel,

    oawmqrewk, cewk` vevelgeqe iel imlfel jolbkqhewk ieqk ~kcej

    ~mq}weceel Wyq}jy}q ckqeqjk {elf ym`ec ikw}w}l ejel hmldeik ieweq

    ie`eh ~mha}eyel j}mwkolmq {elf ejel ikwmaeqjel jm~eie qmw~oliml

    J}mwkolmq ikamqkjel }ly}j hmlfmyec}k ~mhaoaoyel wmyke~ m`mhml ~eie

    wm`}q}c yklfjey ~eie wyq}jy}q ckqeqjk Re`kikyew j}mwkolmq }ly}j

    ~mhk`kcel wyqeymfk ~qohowk ik`kcey hm`e`}k jolwkwymlwk wmyke~ heyqkjw

    aekj ky} klikrki} he}~}l fea}lfel iel d}fe jolbkqhewk {elf

    ik`ej}jel imlfel ~ejeq

    Cewk` ~mlfo`ecel ieye ~qkhmq klk ikh}`ek imlfel hmhmqkjwe

    ymq`makc iec}`} jmjolwkwymlel ~mhaoaoyel {elf ikamqkjel qmw~oliml

    ^mlfo`ecel jmjolwkwymlel ~mhaoaoyel ik`ej}jel imlfel

    hmlff}lejel Ms~mqy Gcokgm Ikhele ie`eh ~mlm`kykel klk aeyew

    yklfjey kljolwkymlwk ikymye~jel wmamweq 5=- Jmh}ikel wmym`ec

    hewklfhewklf ~mhaoaoyel ~mq klikrki} ymqa}jyk jolwkwyml,

    jmwm`}q}cel ~mhaoaoyel o`mc hewklfhewklf klikrki} ejel

    ikfea}lfjel ie`eh wey} heyqkjw fea}lfel Wmym`ec ky} heyqkjw

    fea}lfel klk`ec {elf ejel ik}j}q jmhae`k ~mhaoaoyell{e `mvey

    hmjelkwhm ~mqcky}lfel EC^ imlfel hmlff}lejel Hkgqowoby Msgm`

    {elf ejel hm`eckqjel ~mlfo`ecel ieye rmqykje` iel ~mlfo`ecel ieye

    coqktolye` Cewk` ~mlfo`ecel rmqykje` {elf hmldeik ieweq ~mhk`kcel

    e`ymqleykb wyqeymfk ~qohowk, wmielfjel cewk` ~mlfo`ecel ieye coqktolye`

    hmh~mq`kceyjel jmymqjekyel iel yklfjey ~mlfeq}c elyeqe wey} bejyoq

    imlfel m`mhml `ekl ie`eh wey} yklfjey ckqeqjk imlfel m`mhml `ekl

    ie`eh yklfjey ckqeqjk ikaevecl{e

    KR CEWK@ IEL ^MHAECEWEL

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    KR CEWK@ IEL ^MHAECEWEL

    95 Fehaeqel ]h}h ^mq}weceel

    955 Wmdeqec ^mq}weceel

    ^eie eve`l{e Aelj Qej{ey Kliolmwke #AQK+ ikikqkjel ik

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  • 7/31/2019 ANALISIS STRATEGI PROMOSI KARTU KREDIT BANK RAKYAT INDONESIA

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    Amqieweqjel ]lielf(]lielf Lo 59 yec}l 5;26 ymlyelf