April 2016 Newsletter 04-25-2016

8/18/2019 April 2016 Newsletter 04-25-2016

1/16

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Z [ H O N B L E J V J L ] X


2/16

[cej 9Y J - C H ] • C [ Y B @ 9 ; 3 6

S1 Ugct bs your vbjw ol tgj hurrjlt wcvj of holso`bmctbol tcdble p`chj bl tgj rj/blsurclhj blmustry? Gow mo you

sjj tgbs bnpchtble tgj c`tjrlctbvj hcpbtc` hurrjlt`y mjpòyjm, or jxpjhtjm to ij mjpòyjm, bl tgj eòic` rjblsurclhj

sjhtor?

C1 Fbrst clm forjnost, tgjrj bs lo òlejr nuhg of c mbstblhtbol ijtwjjl blsurjrs clm rjblsurjrs. Gcrm`y cly honpc-lbjs jxbst tgct crj purj rjblsurjrs. Yjblsurclhj cs c mbstblht sjhtor mojs lot jxbst clynorj. Yjblsurjrs crj mbvb-sbols, mjpcrtnjlts or suisbmbcrbjs of `crejr honpclbjs, ncly of wgbhg mo iotg blsurclhj clm rjblsurclhj. For

jxcnp`j, Xwbss Yj stctjm ct tgjbr Blvjstor Mcy bl Mjhjnijr tgct tgjbr eoc` bs to ijhonj olj of tgj `jcmble prbncryhcsuc`ty honpclbjs. :;% of Nulbhg Yj Cnjrbhc‒s prjnbun bs fron blsurclhj. Xo, wgjl mbshussble holso`bmctbol,wj crj tc`dble ciout olj blmustry, clm lot two, bl tjrns of hcpbtc`.

Ubtg tgct h`crbfbjm, wgy bs tgjrj N&C chtbvbty? Clytbnj you gcvj c òw rjturl clm hgc``jleble blvjstnjlt jlvbrol-njlt, honpclbjs wb`` òod for wcys to jxpclm ncrebls, chqubrj ljw iusbljss, clm to hcnouf`cej rjsu`ts. Ubtgbltgct holtjxt, tgjrj crj mbffjrjlt rjcsols for honpclbjs to pursuj holso`bmctbol. Xonj mo bt to oitcbl c irocmjrncrdjt footprblt, otgjrs mo bt to chgbjvj shc`j clm jvjl otgjrs mo bt to pbhd up ljw `bljs of iusbljss. Ljvjrtgj`jss,tgj vcryble notbvctbols crj c`` cl offsgoot of tgj òw bltjrjst rctj jlvbrolnjlt clm tgjrj crj ncly jxcnp`js oftgbs bl tgj ljws. B tgbld wj crj eoble to holtbluj to sjj N&C chtbvbty sblhj blvjstnjlt rjturls crj hgc``jlejm. Yj-su`ts wb`` ij furtgjr honprjssjm muj to jxhjss hcpbtc` clm tgj poor blvjstnjlt clm prbhble jlvbrolnjlt.

Cs for c`tjrlctbvj hcpbtc` bl our blmustry clm N&C, B mo lot ij`bjvj bt bs ljhjsscrb`y tbjm to tgj irocmjr N&C chtbvbtybl tgj (rj)blsurclhj spchj. C`tjrlctbvj hcpbtc` ncy ij mjpòyjm to iuy cl blsurclhj honpcly or to chgbjvj tcxjffbhbjlhy or ljhjsscry blfrcstruhturj, iut bt bs gcrm to prjmbht. For jxcnp`j, rctgjr tgcl stcrt c gjmej fulm fronshrcthg, c`tjrlctbvj hcpbtc` hou`m aust purhgcsj cl blsurjr or rjblsurjr. ]gct wou`m ij tgj bnpcht of N&C ol c`tjr-lctbvj hcpbtc`.

Olj bnportclt bnpcht of c`tjrlctbvj hcpbtc` bs tgct low blsurjrs crj mbrjht`y chhjssble rjblsurclhj fron pcrtljrstgct mo lot honpjtj wbtg tgjbr trcmbtbolc` blsurclhj iusbljss. For jxcnp`j, CHJ (low Hguii‒s) vjgbh`j CIY Yj bsjssjltbc``y c hcptbvj rjblsurjr wbtg c gjmej fulm/cssjt nclcejnjlt pcrtljr. H`bjlts crj ijhonble jvjr norj cp-prjgjlsbvj ciout prbvchy holhjrls. ]gct bs, tgjy crj gjsbtclt to sgcrj ulmjrwrbtble forns, òss mjvjòpnjlt fch-tors clm proprbjtcry blfornctbol bl ormjr to iuy hovjrcej fron rjblsurclhj honpclbjs wbtg blsurclhj opjrctbolswgo wb`` turl croulm tgj ljxt mcy clm honpjtj for iusbljss. ]gct bs wgct ncdjs struhturjs suhg cs hcptbvj gjmej

fulm rjblsurjrs c trjlm tgct wj ncy sjj mjvjòp.

S1 Mo you tgbld gjmej fulm p`cyjrs bl tgj (rj)blsurclhj spchj gcvj c sustcblci`j nomj` eoble forwcrm?

C1 ]gj nomj` bs sustcblci`j fron tgj pjrspjhtbvj of posbtbvj rjturls ovjr tbnj, houp`jm wbtg tcx cmvcltcejs. Gow-jvjr, clyolj wgo ulmjrpjrforns”wgjtgjr fron tgj ulmjrwrbtble or blvjstnjlts sbmj”wb`` ij hgc``jlejm. ]gjproi`jn wbtg gjmej fulms bs tgjbr lunijr olj aoi bs to quc`bfy cs c (rj)blsurjr, clm tgj rjst bs ciout tgjbr blvjstorsclm rjturls. Xonjwgjrj, olj nust strbdj c ic`clhj. [jrgcps (rj)blsurjrs crj too holsjrvctbvj ol blvjstnjlts,wgjrjcs gjmej fulms crj ovjr-fohusjm ol blvjstnjlts clm lot ol ulmjrwrbtble? Cecbl, bt bs c sustcblci`j nomj`,iut lot cs c sjrbous rjblsurclhj ncrdjt holtjlmjr ijhcusj lo olj wb`` sjjd jxpjrtbsj or ncrdjt blsbegt fron c

gjmej fulm.

B L ] J Y V B J U U B ] G N B D J X C [ L C Y , H G B J FJ W J H Z ] B V J O F F B H J Y , ] Y C L X Y J

Tholtblujm ol pcej 8^


3/16

[cej 8Y J - C H ] • C [ Y B @ 9 ; 3 6

S1 ]gj ciulmclhj of hcpbtc` c`òws trcmbtbolc` rjblsurjrs clm c`tjrlctbvj hcpbtc` p`cyjrs c`bdj to fohus ol bllovctbol.

Bl your vbjw, wgct ulmjrsjrvjm rbsds crj rbpj for ljw promuhts/soùtbols?

C1 Uj ljjm to mo clytgble wj hcl to ejt tgj eovjrlnjlt out of rbsd, wgjtgjr tgct blhùmjs fòom, tjrrorbsn or jcrtg-qucdj. Mbm you dlow tgct Frjmmbj Nch clm Fcllbj Ncj crj tgj `crejst blsurjrs of jcrtgqucdj? ]gjy eucrcltjjòcls tgct mo lot rjqubrj jcrtgqucdj hovjr, clm tgct bs c forn of tgj eovjrlnjlt bl tgj blsurclhj iusbljss, aust cswbtg ]YBC clm tgj LFB[. Ugb`j to sonj jxtjlt wj ncy gcvj fcb`jm to provbmj cl cttrchtbvj c`tjrlctbvj to eovjrlnjltsoùtbols bl hjrtcbl crjcs, tgct bs hjrtcbl`y lot tgj hcsj for jcrtgqucdj. Aust ijhcusj jcrtgqucdj blsurclhj bs js-sjltbc``y frjj mojs lot njcl bt bs eoom for tgj ncrdjtp`chj cs tgj ho``jhtbol or protjhtbol bs uldlowl.

Olj eoc` of tgj rjblsurclhj blmustry bs to tcdj tcb` rbsd or hctcstropgj rbsd clm mbùtj tgj jxposurj iy cisorible bttgroueg lunjrous ic`clhj sgjjts. ]gct mylcnbh gcs ijjl suhhjssfu` bl Fòrbmc wgjrj rctjs holtbluj to mjh`blj.Uj ljjm to ejt tgj eovjrlnjlt to usj rjblsurclhj ijttjr for fòom, tjrrorbsn jcrtgqucdj, jth. Uj ljjm to tcdj tgjrbsd, sprjcm bt ol cs ncly ic`clhj sgjjts cs possbi`j, clm ncdj bt cfformci`j. ]gct bs olj crjc wgjrj c`tjrlctbvjhcpbtc` gcs clm wb`` holtbluj to ij usjfu` clm bllovctbvj.

Bl tjrns of norj jxhbtble bllovctbol, B jlvbsbol c mcy wgjrj tgjrj bs spot iuyble for hctcstropgj rbsd. Hou`m you bn-ceblj c wor`m wgjrj tgj blsurclhj ncrdjtp`chj bs c`` j`jhtrolbh clm you crj ci`j to iuy your gonjowljrs po`bhywbtg tgj optbol to iuy jxtrc hctcstropgj hovjr bl rjc` tbnj? For jxcnp`j, bf you crj ol vchctbol clm c gurrbhclj bsforjhcstjm to gbt your hocstc` gonj bl Fòrbmc bl four wjjds, you hou`m pbhd up tgj pgolj or opjl cl cpp clm iuyblsurclhj ol tgj spot. Cs tbnj pcssjs clm tgj gurrbhclj jbtgjr trchds hòsjr to `clm or vjjrs off hoursj, tgj prbhj oftgct hctcstropgj hovjrcej jbtgjr blhrjcsjs or mjhrjcsj chhormble`y, jssjltbc``y blstbtutble cl cuhtbol prohjss. Cl-otgjr crjc bs tgj mbsruptbol bl mbstrbiutbol wbtg tgj rjhjlt fornctbol of pjjr-to-pjjr clm otgjr mbrjht to holsunjr

hcrrbjrs.

S1 Crj soùtbols suhg cs pjjr-to-pjjr mbstrbiutbol c vbci`j optbol?

C1 Z`tbnctj`y, bf lot wbtgbl tgbs ejljrctbol, tgj ljxt ejljrctbol wb`` iuy norj blsurclhj ol cl j`jhtrolbh, mbrjht toholsunjr icsbs. Ugb`j tgjrj wb`` ljjm to ij njcls for tgj holsunjr to jmuhctj tgjnsj`vjs, tgj prohjmurjs hcl ijsbnp`bfbjm. For jxcnp`j, wgy lot gcvj holsunjrs iuy pcrcnjtrbh blsurclhj for tgjbr gonj? ]gbs typj of hovjrcejwou`m ij nuhg jcsbjr to ulmjrstclm tgcl tgj hurrjlt hovjrcej `cleucej. For jxcnp`j, B hou`m jlvbsbol c strcbegt-forwcrm crrclejnjlt wgjrj bt bs cerjjm tgct bf B gcvj c prj-mjtjrnbljm lunijr of blhgjs of wctjr bl ny gousj mujto fòomble, tgj blsurclhj po`bhy rjspolms wbtg c sjt mo``cr cnoult of hovjrcej. Ugb`j tgj mjtcb`s crj lot c`` tgouegt

out, honpclbjs crj stcrtble to tgbld ciout tgbles bl tgbs wcy.

S1 Mo you jxpjht tgj c`tjrlctbvj hcpbtc` ijble mjpòyjm bl otgjr ncrdjts, suhg cs honnjrhbc` blsurclhj clm hcsuc`-

ty rjblsurclhj, to fo`òw tgj scnj upwcrm trcajhtory cs tgj ncrdjt for propjrty hctcstropgj iusbljss? Bf lot, wgy

lot?

C1 Ol`y to tgj jxtjlt you hcl ncdj bt sgort-tcb` clm pcrcnjtrbh. Bf you tbj up hcpbtc` for nu`tbp`j yjcrs (muj to ho``ct-jrc`bzctbol rjqubrjnjlts), you ljjm c nuhg gbegjr rjturl to ncdj bt fjcsbi`j. ]gj `jvjrcej you hcl oitcbl ol c (rj)blsurjr‒s ic`clhj sgjjt iy gcvble tgj cib`bty to rjsj`` hcpbtc` ncdjs bs fcr norj jffbhbjlt tgcl gcvble to tbj up ho``ct-

jrc` for tgrjj to fbvj yjcrs”you aust hcllot chgbjvj tgj rjqubrjm rjturls. ]gjrj bs c ljjm to ic`clhj iotg iuyjr ho`-`jhtcib`bty wbtg tgj ljjm to blvjst noljy, clm c`tjrlctbvj hcpbtc` hcllot ic`clhj tgj fbrst wbtgout postble tgj ho``ct-jrc`.

]gj crjc wgjrj tgbs hou`m word bs bf pjop`j iuy hctcstropgj hovjr icsjm ol pcrcnjtrbh trbeejrs (j.e. wordjrs hon-pjlsctbol icsjm ol `bvjs òst for hctcstropgj rbsd4 M&O rjhovjrbjs icsjm ol tgj rj`ctbolsgbp ijtwjjl tgj cnoultsujm for bl tgj hurrjlt yjcr clm ncrdjt hcpbtc`bzctbol, or tgj frjqujlhy of subts clm sjvjrbty of tgj ncrdjt hcpbtc`b-zctbol rjmuhtbol cs c rjsu`t of h`css chtbol subts). ]gj qujstbol bs mo tgjsj ljw jltrclts rjc``y wclt tgj icsbs rbsd? Bftgj hovjr bs hgjcp jloueg for blmjnlbty, bt proici`y bs lot bltjrjstble to tgjn. ]rcmbtbolc` (rj)blsurclhj wb`` lot mj-vjòp bl tgbs wcy, iut cl blmjx hovjr ncy u`tbnctj`y mjvjòp.

B L ] J Y V B J U U B ] G N B D J X C [ L C YT H O L ] B L Z J M F Y O N [ C E J 9 ^

Tholtblujm ol pcej =^


4/16

[cej =Y J - C H ] • C [ Y B @ 9 ; 3 6

]gbs cpp`bjs to iotg blsurclhj clm rjblsurclhj. ]gjrj bs hurrjlt`y lo wcy to mjc` wbtg tgj òle-tcb`jm lcturj of iusb-ljss. For jxcnp`j, pjlsbol fulms wb`` blvjst bl hctcstropgj rbsd for olj yjcr, so tgjy wb`` tcdj =-7% rjturls bl hon-

pcrbsol to tgj prjvcb`ble fbxjm blhonj rjturls. Gowjvjr, bf you crj eucrcltjjble tgosj scnj rjturls cftjr jbegt yjcrs,you crj jffjhtbvj`y jcrlble 3% pjr cllun. Bl holtrcst, c rjblsurjr hcl djjp rj-mjpòyble tgj scnj hcpbtc` ovjr clm

ovjr cecbl clm bs lot `bnbtjm iy ho``ctjrc`bzctbol.

S1 Bl tgj crjc of ‐hyijr„ rbsds, tgj fohus gcs `crej`y ijjl ol mctc irjchgjs clm tgjft of pjrsolc` blfornctbol. Ubtg

tgj rjhjlt gbeg-profb`j mctc irjchgjs clm c``jectbols of stctj-spolsorjm gchdble, wgct crj your tgouegts wbtg rjecrm

to gow ‐hyijr„ jxposurjs ncy mjvjòp, clm tgj suisjqujlt bnp`bhctbols for (rj)blsurjrs?

C1 Blsurjrs clm rjblsurjrs crj c`beljm bl fbeurble out c soùtbol for hyijr. ]gjrj bs c ncrdjt ljjm, clm tgj blmustry csc wgo`j ljjms to rjspolm wbtg c vbci`j, rjspolsbi`j clm sncrt promuht.

]gj mbffbhu`t pcrt bs ejttble c fjj` for tbnj clm spchj cs bt rj`ctjs to ceerjectbol. ]gj ibeejst bssuj wbtg hyijr jxpo-surj bs c eòic` olj, ncdble bt mbffbhu`t to sj`` ceerjectj hovjrs ol propjrty clm hcsuc`ty (ul`bdj jcrtgqucdj, wgbhg bsòhc`bzjm). ]gjrj bs lo wcy to nomj` hyijr, mjspbtj tgj fcht tgct tgjrj crj stumbjs ijble molj to cmmrjss tgbs. Ubtg

tgct scbm, mo wj rjc``y dlow gow to nomj` jcrtgqucdj? Bt wb`` ij mbffbhu`t, iut cmvclhjs wb`` ij ncmj to ijttjr rjhoe-lbzj ceerjectbol clm chhunu`ctbol potjltbc`. Bl cmmbtbol, lo olj iuys aust c hyijr po`bhy. Zl`jss tgjrj bs cl jxhù-sbol, bt bs hovjrjm bl propjrty, ejljrc` `bcib`bty, M&O, jth., clm tgjrj bs lo honnol forn chross hcrrbjrs, wgbhg furtgjrhonp`bhctjs ncttjrs. Hyijr bs hjrtcbl`y c erowtg ncrdjt, clm cl bnportclt olj ct tgct, iut wj ljjm to ij hrjctbvj blc rjspolsbi`j wcy. ]gbs wb`` lcturc``y jxtjlm to mroljs, tj`jnctbhs clm c`` cmvclhjs bl tjhgloòey tgct crj ljw por-

tc`s of jltry for hyijrhrbnj, mbsruptbol clm tjrrorbsn.

S1 Ugct bs tgj `crejst jxposurj fron c hyijr pjrspjhtbvj? Bs bt tgj lotbfbhctbol rjqubrjnjlt tgct bs ljhjsscry jvjl

ijforj c rjc` blvjstbectbol blto tgj cttchd gcs ijjl pjrfornjm?

C1 Ugb`j tgct bs c `crej host, B tgbld c ibeejr bssuj bs iusbljss bltjrruptbol fron c sjvjrbty pjrspjhtbvj. For jxcnp`j, bfyou gcvj c gotj` hgcbl tgct hcllot prohjss ioodbles, or c utb`bty provbmjr wbtg blfrcstruhturj cttchds rjsu`tble bl wbmj-sprjcm powjr outcejs, tgosj crj nuhg `crejr bssujs to mjc` wbtg. Iusbljss bltjrruptbol honjs blto p`cy ulmjr prop-

jrty hovjrs, so bt bs bnportclt to rjnjnijr tgct hyijr-spjhbfbh hovjrs crj lot tgj ol`y bssujs to holsbmjr.

S1 Bf tj`jvbsbol cbrjm c spjhbc` hc``jm ‐C Mcy bl tgj @bfj of Nbdj,„ wgct wou`m vbjwjrs sjj cs bt rj`ctjs to your mcy-to-

mcy word?

C1 ]gj ijst pcrt of ny aoi bs tgct B mo lot gcvj c typbhc` mcy. B spjlm =;% of ny tbnj trcvj`ble, jvjl`y sp`bt bltjrlc-tbolc``y clm monjstbhc``y. Ugb`j ny bltjrlctbolc` trcvj` bs prbncrb`y for tgj purposj of vbsbtble our offbhjs, h`bjlts clmirodjrs, ny monjstbh trcvj` blhùmjs jvjrytgble fron cttjlmble cmvbsory honnbttjjs ol hurrjlt bssujs, spjcdble olpclj`s or njjtble wbtg rctble cejlhbjs, rjeu`ctors, h`bjlts clm irodjrs.

Ugjl B cn bl tgj offbhj, wgctjvjr B gcvj shgjmu`jm tgct mcy ejljrc``y mojs lot eo cs p`clljm. B ncdj cl jffort tostcy gbeg`y jlecejm bl mjc` ncdble clm cn stb`` mbrjht`y blvo`vjm bl `crejr mjc`s. B spjlm jvjry wcdble nonjlt olstrctjey clm bl ny opblbol, c HJO gcs tgrjj icsbh bnpjrctbvjs1

]o hrjctj, sgcpj, clm rjblforhj tgj hu`turj of tgj honpcly. Xo, B c`wcys tgbld ciout jvjrytgble B mo bl tgj hol-tjxt of sgcpble tgj hu`turj of our honpcly cs hu`turj bs lunijr olj to tgj suhhjss of honpcly.

Mrbvble strctjey or ncdble surj tgj rbegt pjop`j crj tgbldble ciout strctjey. Ugb`j hu`turj trunps tgbs fchtor,iotg crj bnportclt, clm B ljjm to ncdj hjrtcbl tgj honpcly bs tgbldble ciout clm sjttble strctjey for tgj fu-turj.

]gj nost bnportclt bs bmjltbfyble your (ny) rjp`chjnjlt. Bf you mo lot gcvj sonjolj tgct hcl tcdj ovjr clmrjblforhj wgct you gcvj iub`t, tgjl you gcvj fcb`jm cs c HJO.

B spjlm c òt of tbnj tc`dble ciout tgosj tgrjj tgbles. Rou gcvj to stcy blvo`vjm bl iusbljss”dlow tgj mjc`s, jnpòy-jjs, clm hrbtbhc` bssujs iotg blsbmj clm outsbmj your honpcly. B try lot to spjlm c òt of tbnj ol cly olj tgble.

B L ] J Y V B J U U B ] G N B D J X C [ L C YT H O L ] B L Z J M F Y O N [ C E J 8 ^

Tholtblujm ol pcej :^


5/16

[cej :Y J - C H ] • C [ Y B @ 9 ; 3 6

S1 Bs tgjrj norj prjssurj ol suhhjssbol p`cllble ebvjl tgj tc`jlt ecp bl tgj blmustry?

C1 ]gj tc`jlt ecp bs c ibe bssuj. [rofjssbolc`s ijtwjjl 9: clm =; gcvj c trjnjlmous opportulbty bl tgj rjblsurclhjblmustry.

S1 Cs tjhgloòey cmvclhjs clm tgj usj of clc`ytbhs clm nomj`s blhrjcsj, wgct sdb``s wou`m you rjhonnjlm to youle

profjssbolc`s tgct crj pjrtbljlt to novj cgjcm bl tgjbr hcrjjrs?

C1 B wou`m cmvbsj tgct you dlow clm ulmjrstclm clc`ytbhs, tcdj nctg hoursjs clm ncyij jvjl ejt cl chtucrbc` mj-erjj. Gowjvjr, wgb`j icsbh nctg clm fblclhj bs bnportclt, tgj djy bs lot tgj cib`bty to iub`m tgj nomj`s/clc`ytbhs, iutto ij ci`j to hgc``jlej tgj rjsu`ts. Rou hcl ljvjr tcdj tgj output of c nomj`, chtucrbc` clc`ysbs or otgjr forn of clc-`ytbhs cs tgj clswjr wbtgout ijble ci`j to hgc``jlej bt.

Norj bnportclt`y, wrbtble clm holvjrsctbol crj of pcrcnoult bnportclhj. ]gosj cib`btbjs crj ijhonble `jss clm `jssvbsbi`j cnole tgj blmustry. Rou ljjm to ij jleceble bl holvjrsctbol ct c h`bjlt mblljr, ij ci`j to ncdj c ho`m hc``

clm golj bl ol your wrbtble clm prjsjltctbol sdb``s to ij suhhjssfu`. Bf you hcllot sj`` bt clm jxp`cbl bt, you wb`` lot eoclywgjrj.

C`so, dlow tgct tgjrj bs c`wcys roon for rj`ctbolsgbps, jltrbjs clm fbeurble out gow to mo c mjc`. ]gj Jholonbst usjmto rul c erjct cmvjrtbsjnjlt tgct csdjm1 ‐Uou`m you wclt to sbt ljxt to you ct mblljr?„ Crj you c olj trbhd poly? Crjyou wj`` rjcm? Xdb``s clm jxpjrtbsj crj erjct, iut `jt us lot forejt tgj icsbhs of iusbljss”rj`ctbolsgbps clm mjc` ncd-ble.

S1 Ugct stjps gcvj you tcdjl bl your hcrjjr tgct gj`pjm you tgj nost to ejt to wgjrj you crj low?

C1 Fbrst, opjlljss to aoi typj clm òhctbol. B rjhonnjlm ijble cs f`jxbi`j cs possbi`j. For jxcnp`j, B tood c aoi out ofho``jej bl Fbmj`bty/Xurjty wgjl lo olj dljw wgct bt wcs. B spjlt sbx yjcrs bl @olmol, wgbhg c`òwjm nj to ejt jxpjrb-jlhj wbtg @òym‒s ljeotbctbols clm to ecbl c eòic` pjrspjhtbvj. Ij opjl to rjòhctbol clm mbffjrjlt typjs of aois,jspjhbc``y bf you crj youle clm gcvj lot yjt `cbm roots.

Xjholm, fblm sonjtgble you hcl tcdj owljrsgbp of”lo ncttjr gow snc`` bt bs”mo bt wj``, mjnolstrctj wgct you gcvjmolj clm csd for norj. ]gjrj bs lo usj bl csdble for norj bf you gcvj lot sgowl you hcl mo wgct you gcvj ijjlcsdjm to mo. ]gj ijst wcy to ejt rjhoelbtbol bs to csd for or h`cbn owljrsgbp of sonjtgble. Rou mo lot ljhjsscrb`ygcvj to owl 3;;% of tgj blbtbctbvj, iut strbvj to ij c mrbvble forhj or word bl c `jcmjrsgbp hcpchbty ol c proajht. [jo-p`j gcvj to mo tgj mbrty word clm bt wb`` lot c`` ij e`cnorous wgjl you crj youle, iut you gcvj to pcy your mujs.Cecbl, tcdj blbtbctbvj, iut mo bt wbtg mjfjrjlhj. Bt bs bnportclt to djjp tgj rbegt pjop`j blfornjm clm tcdj rbegt pctg.]gct bs wgct B gcvj molj tgct gcs gj`pjm nj trjnjlmous`y, houp`jm wbtg sonj sjrjlmbpbty clm eoom fortulj”tgosjtgbles ljjm to gcppjl too. Bf you fo`òw wgct B scbm, you wb`` gcvj c eoom gjcm stcrt.

S1 Gow bnportclt bs njltorsgbp?

C1 Fornc``y rjqujstble njltorsgbp bs c rjm gjrrble. Njltorsgbp mjvjòps lcturc``y clm you ljvjr dlow wgjrj bt wb``

honj fron. Bl fcht, sonjtbnjs you wb`` lot dlow you crj ejttble bt. ]gj ijst njltorble rj`ctbolsgbps crj fornjm iypjop`j wgo lcturc``y ercvbtctj towcrms olj clotgjr. ]gj nost ul`bdj`y pjop`j hcl njltor you1 olj of nblj wcs cprbhble chtucry bl njmbhc` nc`prchtbhj tgct B rcrj`y wordjm wbtg. Xgj wcs c sncrt woncl tgct tood tgj tbnj to tjchgnj clm ebvj nj blsbegt. Xgj mbm tgbs lot ijhcusj B csdjm gjr to, iut ijhcusj B csdjm tgj rbegt qujstbols bl tgj rbegtwcy, mbm lot ovjriurmjl gjr clm sgj wcs ejljrous wbtg gjr tbnj.

YZ=; bs c`nost cs bnportclt cs njltorsgbp. Xonjwgjrj mowl tgj `blj, you crj eoble to ij csdble jchg otgjr forfcvors or ij ol opposbtj sbmjs of c mjc`, clm bt bs vjry bnportclt to gcvj strole rj`ctbolsgbps wgjl tgct tbnj honjs.

B L ] J Y V B J U U B ] G N B D J X C [ L C YT H O L ] B L Z J M F Y O N [ C E J = ^


6/16


7/16

B L ] J Y V B J U U B ] G Y B H D [ C E L C L BT H O L ] B L Z J M F Y O N [ C E J 6 ^

S1 Cs tjhgloòey cmvclhjs clm tgj usj of clc`ytbhs clm nomj`s blhrjcsj, wgct sdb``s wou`m you rjhonnjlm to youle pro-

fjssbolc`s tgct crj pjrtbljlt to novj cgjcm bl tgjbr hcrjjrs?

C1 Fron tgj c`tjrlctbvj hcpbtc` pjrspjhtbvj, clc`ytbhs clm nomj`ble crj cisoùtj`y hrbtbhc`. ]gjy crj tgj njcls iy wgbhg wjcrtbhu`ctj our vcùj proposbtbol clm provbmj trclspcrjlhy to our blvjstors. Eoble forwcrm bf wj gopj to ro`` out ljw prom-uhts to tgj B@X sjhtor, nomj`ble wb`` p`cy c sbelbfbhclt ro`j. Ol tgj blsurclhj sbmj, tgjrj bs lo mouit tgct tjhgloòey wb``p`cy cl blhrjcsble`y bnportclt ro`j. Ovjr tgj pcst sjvjrc` yjcrs blvjstnjlt bl tjhgloòey bl tgj (rj)blsurclhj ncrdjt bs uptgrjj fo`m. B jxpjht mbsruptbvj tjhgloòebjs to jnjrej clm wbtg bt erjct opportulbtbjs. Our blmustry ljjms to rjmuhj tgj hostcssohbctjm wbtg ejttble our promuht to tgj ncrdjt clm tjhgloòey wb`` gj`p mrbvj tgct host rjmuhtbol. Bf wj mo lot tcdj tgbs

bssuj ol wj prohjjm ct erjct pjrb`. ]gjrj bs cl Zijr-typj tgrjct to tgj blsurclhj ncrdjt out tgjrj.

S1 Ugct stjps gcvj you tcdjl bl your hcrjjr tgct gj`pjm you tgj nost to ejt to wgjrj you crj low?

C1 B gcvj c`wcys gcm eoom njltors wgo gcvj tcuegt nj pctbjlhj, pjrsbstjlhj clm gunb`bty. B `jcrljm ct cl jcr`y cej tgctyou hcl ljvjr gcvj too ncly frbjlms. B gcvj c`wcys trbjm to cltbhbpctj clm jnirchj hgclej. ]gjsj crj lot rjc``y hcrjjr

stjps iut rctgjr c pgbòsopgy.

[cej 5Y J - C H ] • C [ Y B @ 9 ; 3 6

G O U H C L R O Z X Z [ [ O Y ] Z . X . Y J Z L M J Y = ; X ?

Uj rj`y ol our frbjlms bl tgj blmustry ‘ pjop`j `bdj you ‘ to gj`p support our

Eroup.

Ol tgct lotj, wj rjspjhtfu``y csd you bf your oreclbzctbol bs bltjrjstjm bl ijhonblec spolsor for Yj Zlmjr =;s. Uj gcvj rjhjbvjm sjvjrc` spolsorsgbps ovjr tgjyjcrs fron blsurjrs/rjblsurjrs, irodjrs, holsu`tclts clm `cw fbrns, iut olj of ournost sbelbfbhclt hgc``jlejs bs rcbsble fulms (or holtblujm spolsorsgbps) to jlsurjtgct tgj Eroup hcl chgbjvj bts eoc`s novble forwcrm.

Uj gcvj sjvjrc` typjs of spolsorsgbps. Our jmuhctbol jvjlts crj c`wcys spol-sorjm so tgct our njnijrs hcl cttjlm, clm `jcrl, wbtgout cly host. Otgjrs gcvjncmj fblclhbc` holtrbiutbols iy provbmble fulms tgct wj utb`bzj for our opjrctble jx-pjlsjs. Uj rjhoelbzj our spolsors ct jvjlts, bl our Ljws`jttjr, clm ol our wji-sbtj. Xohbc` jvjlts clm ]our pcrtbhbpctbol hcl c`so ij spolsorjm, clm wj wou`m ij

gcppy to mbshuss otgjr opportulbtbjs wbtg you.


8/16

S1 Gow mbm you ejt blvo`vjm wbtg tgj rj/blsurclhj blmustry? Gow òle gcvj you ijjl bl tgj blmustry?

C1 Ciout gc`f-wcy tgroueg ny sjlbor yjcr of ho``jej, B rjnjnijrjm sonjolj scyble tgct chtucrbjs crj rjeu`cr`y rctjm gbeg`ybl aoi po``s. B wcs eoom ct nctg, iut bl ho``jej B‒m ol`y tcdjl h`cssjs tgct njt tgj nblbnun rjqubrjnjlts, so B jlro``jm bl cNcstjrs proercn bl Chtucrbc` Xhbjlhj ct tgj Zlbvjrsbty of Bowc. Ny ercmjs wjrj lot erjct, iut B pcssjm two chtucrbc` jxcnsclm eot c aoi offjr bl ny fbrst yjcr bl tgj proercn, so B `jft clm stcrtjm wordble bl Ncy of 9;;9.

S1 Ugct typj of word mo you mo? Gow mbm you ejt to wgjrj you crj low, bl c lutsgj``? C1 B‒n hurrjlt`y c prbhble chtucry ct Cspjl Blsurclhj, wgjrj B mjvjòp prbhble nomj`s for ulmjrwrbtjrs to usj, clm B pjrsolc``yprbhj chhoults tgct, for vcrbous rjcsols, mol‒t ‐fbt„ tgj nomj`s.

B stcrtjm off prbhble ct Col Yj (low Col Ijlfbj`m), tgjl rjsjrvble ct W@ Yj, clm prbhble ct [crtljr Yj, ijforj B tood tgj prbhblero`j ct Cspjl. B‒vj purposj`y tcdjl aois wgjrj B mo sonjtgble mbffjrjlt1 prbhble ct c rjblsurclhj irodjr, rjsjrvble ct c rjblsur-jr, prbhble ct c rjblsurjr, clm low prbhble ct c prbncry blsurjr. Còle tgj wcy B‒vj wordjm ol bnprovble ny honputjr sdb``s,wgbhg gcs c`òwjm nj to mjvjòp nomj`s norj jffbhbjlt`y tgcl tgj norj trcmbtbolc` prchtbhj of hrjctble spjhs clm gcvble B]ulmjrtcdj tgj mjvjòpnjlt.

S1 Ugct cspjht of your aoi mo you jlaoy tgj nost?

C1 B rjc``y jlaoy mjvjòpble nomj`s clm holtbluc``y `jcrlble wcys to bnprovj tgj jxpjrbjlhj for usjrs. B c`so jlaoy usble nytjhglbhc` sdb``s to tchd`j norj trcmbtbolc` chtucrbc` hgc``jlejs.

S1 Gcvj you gcm cly njltors or clyolj wgo provbmjm usjfu` eubmclhj cs you ncmj your wcy to wgjrj you crj low?

Bf so, bs tgjrj clytgble you `jcrljm tgct you wou`m pcss ol to otgjrs ncdble tgjbr wcy bl tgj blmustry?

C1 Olj of ny fbrst nclcejrs, Xtjpgjl Nb`mjlgc``, olhj to`m nj, ‐Olj of tgjsj mcys, B‒n eoble to wrbtj c iood tbt`jm, ‗Gow toYu`j tgj Uor`m wbtg Jxhj`.‒„ ]gct `jm nj to blvjstbectj tgj usjfu`ljss of Jxhj`, clm jvjltuc``y rjc`bzj tgct gj wcs lot ovjrstct-ble tgj bssuj. B gcvj sblhj ijhonj cl ‐Jxhj` euru,„ clm gcvj hrjctjm too`s tgct ncdj tgj `bvjs of ulmjrwrbtjrs clm chtucrbjsnuhg jcsbjr. C òt of tgct mjfblbtj`y trchjs ichd to trbhds B‒vj `jcrljm fron Xtjpgjl.

S1 Bf you wjrjl‒t wordble bl rj/blsurclhj, wgct wou`m you ij moble?

C1 [jrgcps sonj sort of tjhglbhc` holsu`tclt, iut bt‒s gcrm to bnceblj moble clytgble j`sj.

S1 Bf you hou`m gcvj cly supjrpowjr wgct wou`m bt ij?

C1 F`begt.

S1 @bst : pjrsolc` btjns bl your offbhj.

C1 ]gj hòsjst tgble to c ‐pjrsolc` btjn„ B gcvj bl ny offbhj bs c rjm Xwble`blj stcp`jr, wgbhg B mbsp`cy ol ny mjsd cs c holvjr-sctbol pbjhj.

S1 Ugct cmvbhj wou`m you eb vj to ljw profjssbolc`s jltjrble tgj rj/blsurclhj blmustry?

C1 B hcl‒t strjss jloueg gow nuhg fulhtbolc`bty cwcbts Jxhj` usjrs, bf tgjy crj wb``ble to `jcrl. Cly chtucry tgct csds nj forhcrjjr cmvbhj ejts tgj scnj clswjr1 @jcrl Jxhj`, VIC, clm XS@. ]gj vcùj you‒`` ij ci`j to cmm wb`` ij trjnjlmous.

Z . X . N J N I J Y X [ O ] @ B E G ] 1 M O N R C Y L J @ @ Bl cl jffort to ijhonj norj fcnb`bcr wbtg our njnijrs, wj gbeg`begt olj njnijr bljchg bssuj of our ljws`jttjr. Bf you crj bltjrjstjm bl ijble bltjrvbjwjm for tgj NjnijrXpot`begt sjhtbol, p`jcsj jncb` us ct ljws`jttjrKrjulmjr=;s.ore.

Yj Zlmjr =;s hcuegt up wbtg Mon Rcrlj``, Vbhj [rjsbmjlt clm [rbhble Chtucry ct CspjlBlsurclhj bl Ljw Rord. Mon mjvjòps chtucrbc` too`s, cvcb`ci`j for frjj fron gbs wjisbtjmonycrlj``.hon, clm bs c fornjr YZ=; iocrm njnijr.

Gjrj‒s wgct gj gcm to scy1

[cej 7Y J - C H ] • C [ Y B @ 9 ; 3 6


9/16


10/16

H C ] I O L M X , H G C L E J , C L M H C @ @ B L EI R 1 M J L L B X X N B ] G , E Z R H C Y [ J L ] J Y

T H O L ] B L Z J M F Y O N [ C E J 2 ^

Mjllbs Xnbtg bs c irodjr ct Euy Hcrpjltjr, fohusble prbncrb`y ol p`chble spjhbc`ty ncrblj clm jljr-

ey proercns. Mjllbs gcs ijjl c njnijr of YjZlmjr=;s sblhj 9 3:.

[cej 3;Y J - C H ] • C [ Y B @ 9 ; 3 6

Ugjrjcs trcmbtbolc` rjblsurclhj bs typbhc``y c holtrcht of blmjnlbfbhctbol, suhg crrclejnjlts crj `jss honnol for hc-tcstropgj iolms, wgbhg crj frjqujlt`y crrclejm ol c pcrcnjtrbh icsbs wbtg vcrbous ‐trbeejrs„ tgct mjtjrnblj ulmjr wgcthbrhunstclhjs tgj iolms wb`` pcy out. Xuhg blvjstors sjjd iotg c dlowl òhctbol clm trbeejr, wbtg òss pronpt`y mjtjr-nbljm upol tgj trbeejr rctgjr tgcl tgj sjtt`jnjlt of h`cbns ovjr cl jxtjlmjm pjrbom of tbnj. Jspjhbc``y cmvcltcejous totgj bssujr of tgj iolm bs tgct blvjstors‒ oi`bectbols crj ho``ctjrc`bzjm, tgjrjiy j`bnblctble tgj hrjmbt rbsd blgjrjlt frontrcmbtbolc` rjblsurclhj.

Hctcstropgj iolms crj rj`ctbvj`y ljw honpcrjm to trcmbtbolc` rjblsurclhj, wbtg ol`y c gclmfu` of h`cbns jvjr gcvbleijjl pcbm out.3 ]gjbr holtrchts crj jxtrjnj`y honp`jx, wbtg ol`y c rjhjlt gbstory clm c sourhj of hcpbtc` nclcejm iyblvjstors rctgjr tgcl ulmjrwrbtjrs. C`` tgj wgb`j, tgjy fu`fb`` tgj ljjm for rbsd fblclhble cs tgj (rj)blsurclhj blmustry gcsmolj for hjlturbjs.

]gj BYZC ùlhg clm `jcrl qubhd`y ijhcnj c njltc` jxjrhbsj of sorts, hgc``jleble trcmbtbolc` tgbldble ciout gow tgj prom-uht of rbsd fblclhble hcl word bl mbffjrjlt wcys. ]grouegout, bt spcrdjm `bvj`y mjictj clm qujstbols fron tgj rclej ofcttjlmjjs, jchg wbtg gbs or gjr owl pjrspjhtbvj clm jxpjrbjlhjs. ]gj holvjrsctbol hgc``jlejm tgosj blvo`vjm to rjf`jhtol gow rbsd fblclhble supports sohbjty, clm tgj wcys bl wgbhg bt gcs molj so gbstorbhc``y.

Bl tgj jlm, B hcnj cwcy wbtg c mbffjrjlt pjrspjhtbvj ol tgj fblclhble of rbsd, clm c rjc`bzctbol tgct tgjrj ncy ij jxhbtbleclm ljw wcys to cmcpt (rj)blsurclhj to our jvjr-hgcleble wor`m. Hurrjlt`y wj hcl oisjrvj tgj wor`m ulmjreoble bl-hrjcsjm uriclbzctbol clm hbtbjs holtbluble to erow bl vcùj, c`` wgb`j tgj lunijr of eòic` blsurjrs mjhrjcsjs tgrouegholso`bmctbol. Cs uricl holhjltrctbols of rbsd ijhonj norj mbffbhu`t to mbvjrsbfy, otgjr soùtbols wb`` ij rjqubrjm. Nb-hgcj` @jwbs wrotj ichd bl 9;;5 tgct ‐tgj òssjs hcusjm iy jvjl tgj ibeejst lcturc` mbscstjr wou`m ij c mrop bl tgjiuhdjt to tgj irocmjr hcpbtc` ncrdjts.„9 [jrgcps hctcstropgj iolms crj c sbel of wgct‒s to honj, iut tgjl cecbl pjr-gcps tgjy crj c pcssble fcm tgct wol‒t ij croulm nuhg òlejr.

Olj hjrtcblty gowjvjr, bs tgct cs our eòic` sohbjty erows clm ijhonjs blhrjcsble`y bltjrmjpjlmjlt, (rj)blsurclhj clmrbsd fblclhble bl ejljrc` wb`` ijhonj norj bnportclt tgcl jvjr. (Yj)blsurclhj holtblujs to ij tcsdjm wbtg so`vble proi-`jns so tgct our sohbjty hcl opjrctj wbtg tgj pronbsj of sjhurbty clm for jlsurble tgct suhg pronbsj bs fu`fb``jm wgjl btbs ljjmjm nost. Rjt wj hcl ol`y holtbluj to chhonp`bsg tgbs iy hgc``jleble jchg otgjr to tgbld mbffjrjlt`y, clm iy hgc`-`jleble oursj`vjs to cpp`y our ho``jhtbvj dlow`jmej bl wcys bt gcs lot ijjl usjm ijforj. Our u`tbnctj hc``ble cs cl bl-mustry bs to hrjctj c norj rjsb`bjlt sohbjty clm to jlsurj tgct cs tgj wor`m hgclejs, so mojs our iusbljss. Bt bs c tcsdtgct hcl ljvjr ij qubtj fblbsgjm, cs tgj wor`m wb`` ljvjr stop hgcleble.

3Nh@jom, Moue`cs. ‐Ibe mbscstjr, honp`jx bssujs hou`m gurt stj``cr hctcstropgj iolm ̀ oss rctj„. Iusbljss Blsurclhj. Cprb` :, 9;3:.9@jwbs, Nbhgcj`. ‐Bl Lcturj‒s Hcsblo„. Ljw Rord ]bnjs Nceczblj. Cueust 96, 9;;5.


11/16

• I J Y N Z M C J V J L ] Y J H C [ •

Bl Fjirucry, tgj Ijrnumc Zlmjr =;s gostjm tgjbr CEN.

C L L Z C @ E J L J Y C @ N J J ] B L E

[cej 33Y J - C H ] • C [ Y B @ 9 ; 3 6

L B E G ] E O @ F & U B L J ] C X ] B L E

Ol Fjirucry 9=tg, Ijrnumc Zlmjr =;s ectgjrjm to p`cy e`ow bl tgj mcrd eo`f, fjc-

turble c wblj tcstble clm erjct hclmbm pgotos.


12/16

• I J Y N Z M C J V J L ] Y J H C [ •

J W J H Z ] B V J [ C L J @ M B X H Z X X B O L

F C N B @ R H J L ] Y J M O L C ] B O L

[cej 39Y J - C H ] • C [ Y B @ 9 ; 3 6

]gj eroup prjsjltjm c $3,:;; molctbolto tgj Fcnb`y Hjltrj, cl bltjrlctbolc``ychhrjmbtjm Ijrnumc-icsjm hgcrbty tgctprovbmjs fcnb`y icsjm bltjrvjltbol sjr-

vbhjs.

Irbcl Mupjrrjcu`t (Gcnb`tol Blsurclhj Eroup), Holstcltblj Bormclou (CrhgHcpbtc` Eroup), ]oly Fox (Euy Hcrpjltjr, Ijrnumc), clm Xjlctor tgj Golor-ci`j Nbhgcj` N. Fcgy, A[ (Ijrnumc Eovjrlnjlt) crj bltromuhjm to tgj cu-mbjlhj iy fornjr Ijrnumc Zlmjr =;s hgcbrwoncl Vbhtorbc Hullblegcn.

Hctgjrblj Mufy sjrvjm cs nomjrctor.

Fron `jft to rbegt1 Ncrtj` @cws, Clmrjw Xgcw, HblmyGoopjr, Vbhtorbc Hullblegcn, Mcvbm Cncro & Mul-

hcl Frbtg.


13/16

• Z . X . J V J L ] Y J H C [ •

Ol Fjirucry 35tg, YZ=; gostjm c pclj` mbshussbol cmmrjssble hurrjlt clm futurj bssujs bltgj rjblsurclhj spchj, blh`umble N&C, protjhtbol ecps, clm jnjreble ncrdjts. Ncrd Gvbm-stjl (Ub``bs Yj), Aoj` @bvblestol (Crhg Yj), clm Djbtg Uo`fj (Xwbss Yj) spodj ciout protjh-

tbol ecps, N&C, clm jnjreble ncrdjts. YZ=; V[, Lbhgo`cs Xhott, nomjrctjm tgj pclj`.

F Z ] Z Y J E Y O U ] G O F Y J B L X Z Y C L H J

[cej 38Y J - C H ] • C [ Y B @ 9 ; 3 6

L J ] U O Y D B L E & X O H B C @ J V J L ] X

Bl Ncrhg, tgj YZ=; gostjm c lunijr of ljtwordble jvjlts bl Hgbhceo, [gb`cmj`pgbc, clm Ljw

Rord bl support of tgj fortghonble Xt. Ic`mrbhd‒s gjcm sgcvble jvjlt.


14/16

[cej 3=Y J - C H ] • C [ Y B @ 9 ; 3 6

Y Z = ; Y C B X J X $ 3 ; , ; ; ; + F O Y X ] .I C @ M Y B H D ‒ X F O Z L M C ] B O L

Ol Ncrhg 35tg, tgrjj YZ=; njnijrs sgcvjm tgjbr gjcms to mrbvj support for tgjXt. Ic`mrbhd‒s foulmctbol clm to rcbsj fulmble for hgb`mrjl‒s hclhjr rjsjcrhg erclts.

]gj YZ=; tjcn rcbsjm bl jxhjss of 3;,=;; for tgj jvjlt, aoblble otgjrs ct tgjorbeblc` sgcvble `ohctbol, Abn Ircmy‒s Icr & Yjstcurclt, clm holtrbiutble to c totc`

rcbsj of ovjr9;;,;;;!

• H G C Y B ] R K Y Z = ; •

I J F O Y J C F ] J Y

Mon Rcrlj`` (`jft) clm Xjcl Ycn`c` (rbegt), ijforj clm cftjr sgcvble tgjbr gjcms ct Abn Ircmy‒s bl LRH.

B`br Mblovbh, YZ=; ljws`jttjr ho-hgcbr, sgcvjm gbs gjcm wbtg ]jcn Col bl Nblljcpo`bs tgbs yjcr.

I J F O Y J C F ] J Y

&

&


15/16

] G C L D R O Z ] O O Z Y9 ; 3 6 X [ O L X O Y X

[cej 3:Y J - C H ] • C [ Y B @ 9 ; 3 6

• •

I J Y N Z M C Z L M J Y = ; N J N I J Y Y J H O E L B Q J M

]gj Ijrnumc Zlmjr =;s crj proum torjhoelbzj Vbhtorbc Hullblegcn‒s chgbjvjnjltcs tgj 9;3: Roule Blmustry @jcmjr, cwcrmjmiy tgj Ijrnumc Blsurclhj Blstbtutj. Xgj gcsijjl rjhoelbzjm for gjr honnbtnjlt, iotg togjr honpcly clm tgj blmustry, gcvble ijjlchtbvj`y blvo`vjm bl tgj `jcmjrsgbp of tgj H[HZXohbjty, IFBX clm cs pcst Hgcbrncl of tgj

Ijrnumc Zlmjr =;s. Bl cmmbtbol, Vbhtorbc gcsc`so supportjm tgj Ijrnumc Blsurclhj

Blstbtutj‒s chtbvbtbjs ovjr tgj yjcrs.

Holerctu`ctbols Vbhtorbc, wj`` molj!


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N J J ] R O Z Y 9 ; 3 : - 3 6 I O C Y M N J N I J Y X

[rjsbmjlt”Xjcl Ycn`c`

Vbhj [rjsjlt”Lbhgo`cs Xhott

]rjcsurjr”I`cdj Ijrncl

Xjhrjtcry”Lbhgo`cs Xjhcrc

Jmuhctbol Hgcbr”Xjcl O‒Hollor

Fblclhj Hgcbr”Clmrjw Csnomjo

Fulmrcbsble Hgcbr”Yoijrt MbZic`mo

Njnijrsgbp & Honnulbhctbol Hgcbr”

Vcljssc Holtrjrcs

Ljws`jttjr Ho-Hgcbr”Dj``y Lbhdjrsol

Ljws`jttjr Ho-Hgcbr”B`br Mblovbh

Xohbc` Ho-Hgcbr”Ecvbl Irjllcl

Xohbc` Ho-Hgcbr”Ljb` Vc`scledcr

]jhglo`oey Hgcbr”Lbhgo`cs MbNuzbo

]our Hgcbr”Ncr`îl Ycn`c`

Hgcrbty Ho-Hgcbr”Xtjpgclbj UbzljrHgcrbty Ho-Hgcbr”Ibsb Mclbj`s

Z.X. YJ ZLMJY =;X IJYNZMC ZLMJY =;X

Hgcbrncl”Hblmy Goopjr

Mjputy Hgcbrncl”Mcvbm Cncro

Ljws`jttjr Hoormblctor”Cibecb` Xocrjs

Ljws`jttjr Hoormblctor”Hblmy Goopjr

Honnulbhctbols Offbhjr”Hgrbs Mcrt

Jmuhctbol Offbhjr”Mcvbm Cncro

Jmuhctbol Offbhjr”Vbhtorbc Hullblegcn

Xohbc` Offbhjr”Eb``bcl Gjlmjrsol

Xohbc` Offbhjr”Mulhcl Frbtg

Xohbc` Offbhjr”Clmrjw Xgcw

]our @jcmjr”Hclmchj Yochg

]rjcsurjr”Xboljm Jvcls

V B X B ] Z X O L ] G J U J I K

G ] ] [ 1 / / Y J Z L M J Y = ; X . O Y E /

G ] ] [ 1 / / U U U . I J Y N Z M C Z L M J Y = ; X . H O N /

]gcld you to our jmbtors1

Dj``y Lbhdjrsol, F]B Holsu`tble

B`br Mblovbh, SIJ Yj

Hblmy Goopjr, Jvjrjst Yjblsurclhj (Ijrnumc) @tm.

Ciijy Xocrjs, Cxbs Xpjhbc`ty @bnbtjm

[cej 36Y J - C H ] • C [ Y B @ 9 ; 3 6

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April 2016 Newsletter 04-25-2016