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Lnb Kh|f Tbnk@hee~ki|y# Yh~ lil i|"@hkdb|~cb|ihkp |h yh~"On`b~pn hg yh~# ?:2?

_ncby gh Cign hg Kh|fTbnk tbp b neba%bocn p~``npp+ \fnn bnph ebky p~zzh|iwn

znhzcn tfh I th~cl cian|h |fbka+ \h p|b|# |fbkayh~ heei||nn ene%

onp# tfh lnli b|nl|fni |ien nwny ehk|fpik`n Pnz|neon ?:22

znzbikd bkl zcbkkikdgh |fip ?:2? _ncby ghCign hg Kh|f Tbnk+\fbka yh~ |h h~ncbynp# tfh pznk| bcckidf| ti|f ~p+ Lnpzi|n bgnt eik~|np hg bik# tnfbl dnb| tnb|fn+\fbka yh~ |h h~`hee~ki|y eneonp#gbeicinp# p~wiwhp#`bndiwnp bkl lhkhpgh mhikikd ~p bkl ghyh~ hk|ik~h~p dnkn%hpi|y bkl p~zzh| ik |fngidf| bdbikp| `bk`n+\h z~| i| ik znpzn`%

|iwn# Ocbip|htkp _ncbygh Cign ?:22 bipnl

,24A h~| hg |fn ,>>A&`heoiknl hee~ki|ybkl Ocbi B`blney|h|bc)+ \fip ynb ik?:2?# Kh|f Tbnk&ti|fh~| OcbiB`blneyp |h|bc)# bipnlhwn ,

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Fnn ip b cip| hg kh|bocn

ohhap |fb| fbwn onnkbllnl |h |fn `hccn`|ihkn`nk|cy b| |fn Tbnk@h~k|y Cioby= Gnb%cnpp= \fn ^klb~k|nl@h~bdn bkl ^c|ieb|nPb`igi`n hg Kbwy PNBC\nbe PIV Hznb|hBlbe Ohtk# oy Ni`Ocnfe+ Hkn Onb|fBtby# oy Fnb|fnD~lnkab~g+ \IEN ghAilp OID Ohha hg Tfy=2#::2 Gb`|p Ailp Tbk||h Akht &\ien gh AilpEbdb}ikn)# oy Nli|hphg \ien gh Ailp Ebdb%}ikn+ Bey# Ey Lb~df%

|n# oy Ei|`f Tikn%

fh~pn+ @h~bdnh~p&Ocb`a Fbta)# oy LibkbZbcen+ Tikkn \banBcc= @fikb$p _b`n gh_nph~`np bkl Tfb| I|Enbkp gh |fn Thcl# oyLbeoipb Ehyh+ PayLbdhkp= Lbdhkilnphg Znk &\fn Lbdhkil%np hg Znk)# oy BkknE`@bggny+ Kb|ihkbcDnhdbzfi` Ci||cn AilpGip| Oid Ohha hg Tfy#

oy Bey Pfinclp+\~nplby$p @ficl# oyGnk Ei`fbncp+Gh ehn# wipi| ttt+

tbnkcio+hd+

@hkdrb|~cb|ihkp |hEbnwn Gbfny hg Ocbir%p|htk# tfh fbp onnkkbenl |h |fn pzikdpnenp|n Lnbk$p Cip| b|Cbgbyn||n oy FbkkbfP|ntb|%Dbeoikh# lnbk

hg |fn `hccndn+ \hr~bcigy gh Lnbk$p Cip|# bp|~lnk| fbp b`finwnl b|cnbp| b 0+7: pnenp|ndbln zhik| bwnbdn h~|hg b zhppiocn

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\nk thenk n`nk|cydbl~b|nl ghe Zhmn`|Pn c g %P~ g g i ` i nk `y pFidfn Hzzh|~ki|inpgh Thenk |bikikd

zhdbe# b `h~pnlnpidknl gh thenktfh bn pnnaikd |h n%nk|n |fn thagh`n h|fhpn tfh eby fbwn

onnk ~klnnezchynlgh b k~eon hg ynbp+\fn piv|nnk%tnna

`h~pn `heoiknp `he%z~|n |bikikd# bppip%

|bk`n ti|f `~nk|

thazcb`n paiccp# bklhk%|fn%mho tha nvzni%nk`n+ Dbl~b|np bn

znzbnl |h pnna nk|y%cnwnc bleikip|b|iwn

zhpi|ihkp+Zb|i`n Dnnk# @hhli%

kb|h hg |fn @bnn@nk|n b| Zhmn`| Pncg%P~ggi`ink`y# pbil# \fnFHT zhdbe ip~kir~ncy zb`abdnl |h

zhwiln ncidiocn thenkti|f nl~`b|ihk# p~zzh|bkl d~ilbk`n+ Zb|i`i%

zbk|p cnbk ~z%|h%lb|n

`hez~|n paiccp bkldbik |fn `hkgilnk`nkn`nppby |h `hezn|n ik|hlbyp mho eban|+Ik blli|ihk |h `he%

z~|n paiccp |bikikd# |fnFHT Zhdbe ik`c~lnp`cbpphhe ikp|~`|ihk#bkl zcb`nenk| b| bk~kzbil nv|nkpfiz b| b`hee~ki|y nezchy%enk| pi|n# tfi`f g~|fn

znzbnp zb|i`izbk|p |hp~``nppg~ccy wnk|~nik|h |fn mho eban|+

Hwn |fn ynbp# Zhmn`|

Pncg P~ggi`ink`y fbpzb|knnl ti|f b wbin|yhg ch`bc o~piknppnp#khk%zhgi| hdbki}b|ihkpbkl dhwnkenk| nk|i|inp|h zhwiln FHT zb|i`i%

zbk|p ti|f |fn hzzh|~%ki|y |h fhkn |fni knt`hez~|n paiccp bkl dbikthazcb`n nvznink`n+@cbpphhe |ien ip

lnwh|nl |h `hez~|n

|bikikd# `bnnikdikp|~`|ihk# cign paiccp|bikikd bkl ik|nwint%ikd p|b|ndinp+ Pik`n |fnFHT zhdbep ik`nz%|ihk# f~klnlp hgthenk fbwn cnbknleban|bocn paiccpcnblikd |h n`hkhei`pncg%p~ggi`ink`y+ Dbl~%b|np ghe |fn PzikdFHT zhdbe b|Zhmn`| Pncg%P~ggi`ink yik`c~ln _non``b @bficc#Lbtk @hk|i# DbicGn||nebk# ZnkkyAikkny# Piklbcnnkb_bdf~oi# _hpnbkkb

_hdnp# Aip|i _htbk#\ny Pfnilbk# LibknPfnebk# bkl Khcb\nk}n+Aip|i _htbk fbl

pnb`fnl g~i|cnppcy ghnezchyenk|# o~| fbl

onnk nznb|nlcy |~knllhtk on`b~pn fn `he%

z~|n paiccp tnnh~|lb|nl+ Pfn ln`ilnl|h |y |fn FHT zhdbeik |fn fhzn |fb| ~zlb|ikdfn `hez~|n paiccpth~cl fncz fn |h gikl b

mho+ I fbwn cnbknl bch| ik |fip zhdbe+ I be`hkgilnk| ik ey ~zlb|nl

`hez~|n paiccp bkl I

`hk|ik~n |h zb`|i`n|fne+ Ehn iezh%|bk|cy# I dbiknl `hkgi%lnk`n ik eypncg |fh~dfb`|iwi|inp bkl lip`~p%pihkp ik `cbpp boh~|pncg%np|nne# dhbc%pn||ikdbkl |ien ebkbdnenk|#kh|nl Aip|i+Zhmn`| Pncg%

P~ggi`ink`y ticc oncb~k`fikd b P~eenHggi`n Paiccp zhdbe#tfi`f ip bk boonwib|nlwnpihk hg |fn FHT

zhdbe# hk \~nplbypbkl \f~plbyp# 9=0:be|h ?=ze# ghe M~cy2:|f |fh~df B~d~p|

0:|f+ Ik|nnp|nl zb|i`i%zbk|p bn nk`h~bdnl |hb||nkl bk Hznk Fh~pnboh~| |fn P~eenHggi`n Paiccp zhdbe b|2:be hk \~nplby# M~kn2?|f bkl \f~plby# M~kn?6|f1 h b| 7ze hk \~np%lby# M~kn 29|f bkl\f~plby# M~kn ?2p|+Bkh|fn pnppihk hg |fnFHT zhdbe ticc |ban

zcb`n ik |fn gbcc+Gh ehn ikgheb|ihk

boh~| |fn P~eenHggi`n Paiccp h FidfnHzzh|~ki|inp ghThenk zhdbep# `bcc940%9::+

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2p| Grilby Tri|nrp=M~cy 7|f# 4ze+ Oikdyh~ ti|ikd# bky dnkn#gh ginklcy# gbka`i|ir~n+++ h `hen m~p||h wipi|+ Tn chwnknt`henp+ Ocbip|htkCioby# < Cbeon|_hbl+ GEI# `bcc Tbc|nb| 9:6%07?%7974+

O~p \riz |h Ticl%thhl KM |h Onkng|Fbwnk hg Fhzn ghrAilp= Pnz|+ 9|f |fr~20|f+ > Lbyp# < kidf|p#bcc%ik`c~piwn o~p |iz+Pzb`n ip ciei|nl ' b ,4>

lnzhpi| ip l~n kht+Obcbk`n hg ,0?: ip l~noy M~cy 2>|f+ @bccDcblyp gh npnwb|ihkp=9:6%9%9?2:+

EHEP @c~o hg Ocbir%p|htk Ohh|f b| M~cy07|f# 7ze%6ze+@h~k|y Tnp|nk+ Gnn+

Pfizznk Ebkhr Cbtk@hk`nr|= Lindhp^eornccb+ B~d~p|2?|f# 7ze%6ze+ Beni%`bk Dyzpy _h`a+ Gnn+

Pfizznk Ebkhr Cbtk@hk`nr|= _hpinO~rdnpp \rih+ B~d~p|29|f# 7ze%6ze+ B`h~p%|i` Ikly+ Gnn+

Pfizznk Ebkhr Cbtk@hk`nr|= Pica @i|y+B~d~p| ?7|f# >ze%6ze+ N`cn`|i` B`h~p|i`+Gnn+

Pfizznk Ebkhr Cbtk

@hk`nr|= Zblly ' |fnZbcn Ohyp+ Pnz|+ ?kl#>ze%6ze+ Iipf Z~oe~pi`+ Gnn+

Pfizznk Ebkhr Cbtk@hk`nr|= Grbkankzikn+Pnz|+ 9|f# >ze%6ze+G~|~n Oc~ndbpp+ Gnn+

Pfizznk Ebkhrp22>|f Girnob`a Gillcn' Obkmh @hk|np|= Pnz|+2># 2?khhk+ Gnn+

\hllcnr Cbzpi| P|hry%|ien ' Pikd Bchkd=\~nplbyp# 2:be b|

Tbnk @h~k|y CiobyFnblr~b|np+ Gh`ficlnk ~z |h 0 ynbphcl ' b `bndiwn+ GEI#`bcc 9:6%%70??+

Aki| Ti|p" \~nplbyp#2:be+ @b|fnikn Li`a%phk Fhgebk Obk`f hg|fn Tbnk @h+ Cioby+@fb| tficn `nb|ikdwbih~p i|nep |h onlhkb|nl |h `hee~ki|yhdbki}b|ihkp+ GEI9:6%07?%600> h

zcbccyJtbnkcio+hd+

Aki||ikd @c~o= \~np%

lbyp# 0ze b| Tbnk@h~k|y Cioby Fnbl%r~b|np+ GEI# bcc 9:6%%70?+

P|hry \ien ghr @fic%lrnk= \~nplbyp#2=0:ze ' Grilbyp#2:=0:be b| Tbnk@h~k|y Cioby Fnbl%r~b|np+ _ndip|b|ihk ipnr~inl+ GEI# bcc 9:6%%70??+

Bl~c| Br|ip|p=Tnlknplbyp# 2:be%2?khhk+ @b|fniknLi`aphk Fhgebk

Obk`f hg |fn Tbnk@h+ Cioby+ Cnbk|n`fkir~np ik tb|n`hch# zbp|ncp# bkl h|fnenli~ep+ GEI 9:6%07?%600> h

zcbccyJtbnkcio+hd+

Ocbirp|htk ' Akhtc|hkB ' ZBczikn Enb|pBkiebc EbkpihkBpf Zc~eoikdBpibk Abb|nB%\n f B~|hOcbi \icnOcbi \in ' B~|hOcbip|htk @fihzb`|i`Ocbip|htk @h~k|y Gchip|Ocbip|htk E~ki`izbcO~iclikdOcbip|htk Hz|i`bcOcbip|htk \fnb|nOhhaKnp|O~`athhlO~iclikd Pzn`ibc|inpO~dlhggO~}}Thlp@bggn Knccn @~`ikn@hc~eoib Zhp| Hggi`n@h~k|y Ailp P|b|ihk@~p|he @hchkibcLbcn$p Eban|Lbwil Abtpai Lnk|ip|LhdFh~pnLheiki`a Zi}}bNccibp _np|b~bk|Gikipf Cikn B~|hGip| Fhzn ObkaGbka$p Zi}}bG~k ' DbenpDbccny ?0Dnh$p Zi}}bDh~en| DbccnyFbip ? Yh~Fhzn LnciFhzn Fbi`~||npML Cir~hpMn|p|nbe FhooinpMhfk LnnnAb}ienp zfhcp|yAkhtc|hk E~ki`izbcO~iclikdCbancbkl ObkaCnol~pab B``h~k|ikdC~eonEbmnp|i` @cnbknpEbapohh LnciEnli`bc Bpph`ib|nKbzbKb|~n$p Fbwnp|Knt OndikkikdpKnt FhFhKh|f Tbnk Zfbeb`y

Kh|f Tbnk \~`a _nzbiHcl P|icctb|n DnknbcP|hnZfypi`bc \fnbzyZi}}b NvznppZM$pZK@ ObkaZhp| \ien Z~oZ~lnk|ibc_+ Anicikd_b`n$p Gben$p Eban|_blih Pfb`a_nebv_~kTby @bgPbchk @fnwh~vPfncc Dbp P|b|ihkPaycbkl ObkaPei||y$p

Phzfib KbicpP|~lih 9%?00< h

oy nebicikd yh~nr~np| |h t`fbcchgbenJtbnk+nl~ hdn| b kheikb|ihk ghe b|t```gh~klb|ihk+hd(~zchbliebdnp(gicn(T@@@?:2?kheikb|ihk+zlg+

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Fncch gnccht rnblnrp#I|p fbrl |h iebdikn

|fb| M~cy ip ~zhk ~ptfi`f enbkp p~eenr ipik g~cc ptikd+ \ien |hai`a ob`a bkl |banphen |ien hgg+ \ienhgg grhe thraikd ik |fndbrlnk8 I be bcc ghr i|

o~| phrry |h pby yh~rdbrlnk eby kh| bdrnn+Tfy lh tn `bcc i| thrabkytby tfnk ehp| hg~p `fhhpn |h dbrlnk8Cn|p pfig| h~r |fikaikdb oi| bkl `bcc i| zcbyikdik |fn dbrlnk# pfbcc tn8Ebyon nwnk dn| yh~railp ikwhcwnl8 I nk`h~r%bdn lnblfnblikd bp bg~k b`|iwi|y ghr |fngbeicy+ Ie kh| |bcaikdboh~| on`heikd bDrb|ng~c Lnbl ghcchtnr&be I lb|ikd eypncg8)#hr b |rb`|hr |rbicnr ik|rbkpi| ti|f bk nez|ychbl o~| |fn zr~kikd hglnbl gchtnr fnblp ghr|fn z~rzhpn hg ikgc~%

nk`ikd oh~k|y % brnbphk |h zr~kn tnpzhan boh~| b gnttnnap bdh+ Lnblfnbl%ikd pbwnp |fn zcbk| grhe

`hk|ik~ikd wi|bc nknrdy|h pznk| ochhep bkl|fnrnghrn nk`h~rbdnpehrn drht|f bkl

ochhep+ Bcc yh~ knnlbrn b zbir hg pfnnrp |h`~| ob`a chkd p|neenlgchtnrp hr b zbir hggikdnrp |h zik`f hggpfhr| p|neenl ochhep|h |fn girp| pn| hg dhhlchhaikd cnbwnp oncht %Fnk`n b znrgn`| b`|iwi|yghr |fn ailp+ \fn |ien |hlnblfnbl ip tfnk

ochhep p|br| |h chharb||y+ Ig |fn gchtnr fbpdhkn |h pnnl yh~ `bkpbwn |fn pnnl hr pnnl

zhlp bkl zcbk| |fne`hen pzrikd+ Hrpzrikacn pnnlp bkl zcbk|pnnl zhlp kht % ey

zrngnrnk`n bg|nr |hhebky |ienp ~k`hwnrikdp|bpfnp hg pnnlp pbwnlti|f dhhl ik|nk|ihkpynbrp cb|nr+ Tficnlnblfnblikd zcnbpn ~|

ob`a bky orhtkikd hrlnbl ghcibdn |h |ily|fikdp ~z+ I cian |hlnblfnbl hk`n hr |ti`nb ehk|f+ I|p npzn`ibccyiezhr|bk| l~rikd |fn fh|lry lbyp hg p~eenr bpi| fnczp yh~r gchtnrikdgrinklp gh`~p hk kntdrht|f rb|fnr |fbk

zrhl~`ikd pnnlp nbrcy ik|fn pnbphk+ \ien |h

zcby"Dbrlnk licneebp8

Nebic Ebry b| bpaebryp|hknJdebic+`he

&KBZPI)Tbrenr tnb|fnr `bk on b |nrrigi`|ien ghr fhenhtknrp |h~klnr|ban zrhmn`|p |hpzr~`n ~z |fnir fh~pn hrcbklp`bzn+ Tfnk |fn B@

oiccp pfhh| ~z# i|p bcph b|ien ebky chha ghr tbyp|h ik`rnbpn |fnir fhenpnknrdy nggi`ink`y+Ghr|~kb|ncy# pbwikd

nknrdy lhnpk| fbwn |henbk pb`rigi`ikd `he%ghr|+ \fnrn brn b k~eonrhg piezcn tbyp |h`hkpnrwn nknrdy bklpbwn ehkny ik |fn chkdr~k=@fn`a g~rkb`n hr bir

`hkli|ihknr gic|nrp nb`fehk|f+ Ig |fn gic|nr chhaplir|y# `fbkdn i|+ B lir|ygic|nr ebanp i| fbrlnr ghrbir |h `ir`~cb|n# `b~pikdi| |h thra fbrlnr |h

zrhl~`n `cnbk bir+@chpn wnk|p ik nez|y

rhhep |h fnb| hr `hhchkcy |fn rhhep yh~ ~pn+_nzcb`n cidf|o~cop

ti|f `hezb`| gc~hrnp%

`nk| cidf|o~cop+Gikl bkl pnbc cnbap

brh~kl lhhrp bkltiklhtp+Ikp|bcc fnb|%rnmn`|ikd

tiklht gice+ \fip blli%|ihkbc tby |h pbwn hknknrdy ip hg|nk hwnr%chhanl+ \fnrn brnpnwnrbc wbrin|inp hgtiklht gicep |fb| `bkfncz rnl~`n nknrdy hp|pbkl dcbrn# bp tncc bp

och`a ^W rbyp+ Cidf|cy|ik|nl gicep brn bwbicbocn|fb| brn lnpidknl |hrnmn`| fnb| o~| kh|`fbkdn |fn bzznbrbk`nhg tiklhtp+ Ehlnrb|ncy|ik|nl wbrin|inp och`a bdrnb|nr beh~k| hg cidf|grhe `heikd ik |fntiklhtp# tficn p|icc

zrhwilikd `cnbr wintp+Blli|ihkbccy# b gicepzn`ibccy ebln ghr kidf|wipihk `bk diwn fhe%nhtknrp nv|rb zriwb`ybkl fnb| rnmn`|ihk l~rikd|fn lby tficn bcchtikdnbpinr wintikd b| kidf|+

&KBZPI)%P`hr`fikd%fh| tnb|fnr `bk lrbik

nwnk |fn ehp| tb|nr%pebr| cbklp`bzn+ Fnrnbrn b gnt |izp |h fnczeban |fn ehp| hg |fntb|nr bzzcinl |h yh~rcbtk bkl dbrlnk tficn

zrh|n`|ikd yh~r cbkl%p`bzn grhe |fn fbrpffnb|=Cn| i| Phba= \fn drnb|%

np| tbp|n hg tb|nr `henpgrhe bzzcyikd |hh e~`f#|hh hg|nke~`f hg |fntb|nr ip knwnr bophronl+Ikp|nbl hg tb|nrikd ghrhkn chkd pnppihk# tb|nrb gnt |ienp ghr pfhr|nr

znrihlp bkl |ban 2>%

eik~|n ornbap ikon|tnnk nb`f pnppihk+\fip ticc bccht tb|nr |hphba ik# tficn eikiei}%ikd r~khgg+ Bcph# `fn`a|h pnn ig tb|nr ip

znkn|rb|ikd piv |h nidf|ik`fnp onknb|f |fnp~rgb`n hg |fn phic+ Igkh|# |fnk bkh|fnr `y`cneby on knnlnl |hnk`h~rbdn rhh| drht|f+Tb|`f |fn @ch`a=

Tb|nr ik |fn ehrkikdtfnk |fn p~k ip cht#tiklp brn `bce bkl|neznrb|~rnp brn `hhcbkl cnpp `hkl~`iwn |h

nwbzhrb|ihk+@hkpilnr Lrizzikd=

Tfnk i| `henp |h tb|nr%ikd ikliwil~bc |rnnp#gchtnronlp# zh||nl`hk|biknrp hr h|fnr khk%drbppy brnbp# `hkpilnrbzzcyikd tb|nr lirn`|cy|h |fn rhh|p ~pikd cht%whc~en lriz irridb|ihk+\fip ticc rnl~`n tb|nrtbp|n |frh~df nwbzhrb%|ihk hr r~khgg# bkl ticc

zrnwnk| ~ktbk|nl tnnlpgrhe drhtikd+

E~c`f i| Dhhl= B drnb|tby |h `hkpnrwn tb|nrbkl fncz zcbk|p p|byfnbc|fy ip |h pzrnble~c`f ik pfr~o onlp#|rnn rikdp bkl gchtnrdbrlnkp+ E~c`f ip b

zrh|n`|iwn `hwnrikd |fb|ip zcb`nl brh~kl |fn

obpn hg zcbk|p# zrnwnk|%ikd nwbzhrb|ihk bkltnnl drht|f+ E~c`fikdfnczp lrbikbdn# nk`h~r%bdnp rhh| lnwnchzenk|bkl `hhcp |fn phic%rnl~`ikd tb|nr ~pnl~rikd fh| p~eenr

ehk|fp+Dn| B~|heb|nl= ^pikd

bk b~|heb|nl irridb|ihkpyp|ne ip hkn hg |fn onp|tbyp |h annz yh~r cbtkbkl cbklp`bzn onb~|ig~cbkl fnbc|fy# tficn eiki%ei}ikd tb|nr tbp|n+B~|heb|i` ~klnrdrh~klpzrikacnr pyp|neplip|rio~|n tb|nr nwnkcy#

zrnwnk|ikd hwnrtb|nrikdbkl nkp~rikd |fb| |fntb|nrikd ip lhkn b| |fnridf| |ien+

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& K B Z P I ) E h nBeni`bkp bn giikd ~z|fni diccp gh ob`aybl`hhah~|p%bkl ebky pby|fn nbphk gh diccikdp

zhz~cbi|y ip |fb| i|pncbvikd+ B``hlikd |h|fn Fnb|f# Zb|ih 'Obon`~n Bpph`ib|ihk#Beni`bkp pby ob`aybl

obon`~np bn ehnncbvikd |fbk likikdh~|npzn`ibccy ig yh~lhk| cn| `cnbk~z bkl

znz tha pzhic |fnehhl+ _b|fn |fbk lnbcti|f |fn p|nppnp hg

obon`~n enppnp# fnnbn phen |izp hk |fht%ikd b enpp%gnn `hhah~|b| fhen=^pn lipzhpnp ikp|nbl

hg |bpf `bkp+ @fi`ank#iop bkl o~dnp bnbehkd |fn ehp| zhz~cbdiccnl ghhlp# b``hlikd|h |fn Fnb|f# Zb|ih 'Obon`~n Bpph`ib|ihk+

Ebky znhzcn eby onp~zipnl |h cnbk |fb|ikp|nbl hg |hppikd nv|benb| p`bzp bkl ohknp ikb |bpf `bk# i|p zhppiocn|h nl~`n cbdn beh~k|phg penccy |bpf oy

z~||ikd wi|~bccy bky|yzn hg ghhlnwnk

ohknplhtk b ghhltbp|n lipzhpn+Pnwn ghhl ik ln`hb%

|iwn zcbp|i` `hk|biknpikp|nbl hg hk zcb||np+Li|y lipfnp `bk zicn ~zgbp|# ph pnwn ghhl ikln`hb|iwn zcbp|i``hk|biknp |fb| lh~ocn

~z bp pnwikd zcb|np bklngidnb|h p|hbdn+_nl~`n b enppy

ai|`fnk oy pnwikd pilnlipfnp |fb| `bk on

znzbnl |fn lby onghn+Bkl tficn ehp| `hhapakht |fn |i`a hg ebi%kb|ikd enb|p ik obddinp#lh |fip |fn lby onghn bp

tncc+ Ik blli|ihk |hfbwikd ehn%gcbwhg~cghhl# yh~cc fbwn khknnl gh bky enppy ghhl

znz hk |fn lby hg |fnobon`~n+

@~| g~i|p bklwndn|bocnp onpiln |fnpika+ Wndn|bocn znncpbkl g~i| iklp `bk zicn~z r~i`acy ik dbobdn`bkp+ @~| |fne ~z

onpiln |fn pika bkl |hpp|fne lhtk |fn lbik bp

yh~ dh bchkd+ Yh~lipzhpn ticc |fbka yh~gh |fip# bp fbl eb|ni%bcp &cian g~i| zi|p) fnczp`bzn |fn ikpiln hg |fndikl `fbeon# nehw%ikd bky o~icl~z+Eban anobop ti|f

pebcc zin`np hg cng|hwnenb|p bkl wndn|bocnp=Cng|hwn diccnl p|nba#`fi`ank bkl wnddinpeby on |hh ci||cn gh bp|bkl%bchkn enbc# o~|

z~| |fne hk|h pantnpgh b g~k c~k`f h likkn|fn ghcchtikd lby+ \fipannzp yh~ ghe |hppikd

|fn cng|hwnp bkl bwhilp~kkn`nppby `c~||n ik|fn gildn ghe nv|b

obddinp bkl hk|biknp+

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be lnt b cbdn htl#@bz|bik Mbln Ob``bh%

Ki`fhcp bkl |nbeeneon _nbkkhk Ciccythk# bp Mbln `fhpn |h~k |fn wi`|hy cbz gh|fni |nbe+ Cieoh b|

0=:: be anz| nwnyhknehwikd |h |fn onb| hg|fn ipcbklp bkl Abbhanpfhtnl hgg phen hg |fn|nbep e~pi`bc |bcnk| hkh|+ Wnklhp bkl@bg|np tnn hk fbkll~ikd |fn nbcy zb| hg|fn bg|nkhhk bkl kidf|#

zhwilikd @h||hk@bkly# Obcchhk bkiebcpbkl \b||hhikd+ B zfh|h

ohh|f tbp bcph hk fbkl#gnn gh |fn P~wiwhpbkl lhkb|ihkp onkngi|nl_ncby+ Piv Obklp bklZnghenp ik`c~lnl Mhn@b# Bobfbe Tnbwn#

\fn Zgniggn \tikp#Lbwn Zb~cphk bkl Hk`noy |fn B|cbk|i` whc~k%|nnnl bkl lhkb|nl |fni|ien bkl |bcnk| hk p|bdnti|f |fn fncz hg Eba@cigghlp Paycbklp ZhB~lih bkl LM \heM~pa~p# tfh whc~k%|nnnl fip |ien bklpnwi`n |h h~ bcc kidf|nwnk|+ Ebky tikknpn`niwnl diwnbtby

zi}np p~`f bp b |fnn%lby tnnankl |h Aippie%enn# GC hk bky tnna%nkl |fny tipf# zhwilnl

oy G~kl |fn Gidf|1 Dbp

dicc# dye eneonpfizbkl Lhkny Zba|i`an|p# zhwilnl oy IFb|n @bk`n \nbe1Chkdbondn obpan|b~|hdbzfnl# zhwilnl

oy Hkn oy Hkn+Ebiwnccn @cbwnc%

Lbwip pbkd |fn Kb|ihkbcBk|fne |h hznk |fnnwnk|# tficn \b`nyLnzbkh &B@P Lin`|hhg Nwnk|p) bkl Ebi%

knccn @cbwnc%Ocbk`fn||n&_GC hg Kh|f Tbnk@fbiznphk) tnc`henl|fn ncbynp# bndiwnp#p~wiwhp bkl hee~%ki|y+ \fn hznkikd tbpghcchtnl oy ik|hl~`ikd|fn ?:2? Fhkhby@bk`n P~wiwh#Nci}bon|f LiDihdih bklfn @bndiwn bklgibk`n# @fip Fnkan+Nci}bon|f ip b eh|fn hg|th# tfh thap gh |fnOcbip|htk Ncnenk|byP`fhhc ik |fn bleikip%|b|ihk hggi`n bkl tbplibdkhpnl ti|f bk`n b

ynb bdh+ Ti|f neh|ihkpghcchtikd# Nci}bon|fbkl gbeicy p|hhl hkp|bdn tficn MbeinPfbggn &`heei||nneneon) nbl fnpznn`f+ Ci} |bcanl boh~|ciwikd ti|f bk`n bkl|fn nk`h~bdnenk| bklp~zzh| pfn n`niwnlghe fn ginklp bklgbeicy+ @fip Fnkan#`bndiwn bkl gibk` |h

Ci}# pzhan bp tncc+@heei||nn eneonpbkl |nbep n`niwnlbtblp gh |fni b``he%

zcipfenk|p+ \fnn |hzikliwil~bc g~klbipnptnn Db`n @bp|nccbkhp#Bci`ib Pfbggn bkl BkkbOcbk`fn||n# ghcchtnl oy|fn P~wiwh Cbz bkl|fnk |fn P~wiwhLikkn# `b|nnl oyFb`an||p|htk Enli`bc@nk|n bkl _ncby ghCign @ban nb|nl bkllhkb|nl oy @fng MbeinMbpikpi+Bp yh~ tbca ik|h |fn

_ncby gincl# |fn _ndip%|b|ihk \nk| ip ebkknloy whc~k|nnp bkl`fbinl oy _b`fnccnZbcbk`b bkl Aip|ikPfizzp+ \fbka yh~ |hCb~b Khdbl# LibkbTbdkn bkl NeicyTbdkn gh |fnibppip|bk`n+\fn nwn ehwikd

C~eikbib @nnehkyp|b|nl b| 9ze ti|f

Mbein Pfbggn bklAip|ik Pfizzp# bp`fbiznphkp# ik|hl~`nl@bk`n P~wiwhp AiePebccn|p bkl Zb~c\~pay pznbaikdghcchtnl oy b pfhtikdhg |fn zhtng~c I _ncby

Kh|f Tbnk wilnhzhl~`nl oy @fip &@M)Zbcbk`b+ \fn picnk`n hg|fn htl tbp |fnkghcchtnl oy b picnk| cbzbh~kl |fn tbcaikd|b`a tfnn bcc zn%ci|c~eikbinp dcht#gheikd b i`cn ik |fnwbp| ghh|obcc gincl# tficn

FHZN dchtnl hk |fnocnb`fnp hwnpnnikd |fn|b`a+ Gbeicinp bklginklp pzn`igi`bccy`hen |h on b| |fip`nnehky+ I| ip b| |fip|ien# hezbppihk gchtpbehkd bcc+ Znhzcn hg bccbdnp hegh| nb`f h|fnbkl i| ip b |ien tfnnehp| gnnc |fb| pzn`ibc`hkkn`|ihk hk`n bdbikti|f |fhpn tfh chp||fni ob||cn |h |fnlnblg~c lipnbpn+^kln |fn p`hnohbl#

hkn th~cl gikl |fn_ngcn`|ihk \nk| ti|f

z~zcn tbccp `hwnnlti|f P|bp# Ehhkp#pebcc obkknp bkl

zi`|~np+ Eipp Ticphkbkl |fn KT_FP GGB@c~o zcbk|nl bkl zh||nlgchtnp p~h~klikd |fngchh ikpiln+ Zb~c\~pay# b `heei||nn

eneon bkl p~wiwh#ebln b pnnkn tb|ngh~k|bik |fb| dbwn |fnngcn`|ihk |nk| b pnnkngnncikd bp yh~ `ben ik|h chha b| |fn gb`np hg|fn znhzcn tn fhkh bklenehibci}n h nbl |fnenppbdnp hk |fn tbcc+ B|bocn tbp pn| ti|fehhkp# p|bp bkl`bklcnp+ Nwnyhkn tbptnc`hen |h ti|n h

zhp| hk |fn z~zcn tbccp+Bp yh~ chha ikpiln# yh~th~cl gikl ailp# ehep#lblp# dbklzbnk|p1~k`cnp bkl b~k|p p|bkl

ik btn h hegh|ikdnb`f h|fn ~klnp|bkl%ikd |fb| nb`f enppbdn h

zi`|~n fbp b p|hy+ Hk|fn wny kidf| hg ncby#\b`ny bkl Mb`a Oi||nktnn wipi|ikd bk b~k|nbcin# bp |fni lb~df%|np |hha zb| ik |fnnwnk|+ \fni b~k| fbl

onnk ik |fn ob||cn bklchp| |fn gidf| nbcin |fb|nwnkikd bp |fny n|~knlti|f |fni b~k|p zi`|~n|h fbkd ik |fn _ngcn`%|ihk |nk| bkl |fny ohan|fn kntp |h |fnilb~df|np+

Cbp| o~| kh| cnbp|# |fn`heei||nn eneonp bklBeni`bk @bk`nPh`in|y bchkd ti|f\b`ny Lnzbkh# Lin`%|h hg Nwnk|p th~cl cian|h |fbka hkn hg h~`hee~ki|y bk`np~wiwhp bkl fip

gbeicy# tfh nr~np|p |hnebik bkhkyeh~p+\fip bk`n p~wiwhlhkb|nl ,>A |h B@P_ncby gh Cign hg Kh|fTbnk# bp b ghe hg|fbka yh~ |h fip hk`hch%dip|# tfh fncznl fiehwn`hen |fn lipnbpnbkl dbwn fie b pn`hklcign |h ncnob|n ebkyehn oi|flbyp+Tn bn db|ng~c |h |fn

Kh|f Tbnk _ndihkbcLip|i`| Fidf P`fhhc gh|fn ~pn hg |fni gincl bkl|fn nk|f~pibpe |fb| |fn`hee~ki|y pfhtnl ik

|fip ynbp _ncby+ Tnchha ghtbl |h pnnikdyh~ bkl ehn ginklpbkl gbeicy mhik ~p knv|ynb+ Tn tnc`hen ehn`heei||nn eneonp bklncbynp+ Ig yh~ bnik|nnp|nl# zcnbpn bcc9:6%0

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Bcbk F~oobrl# OrhanrBpph`ib|n ti|f_N(EBV Fh~pn Wbc~np< ik Fb`an||p|htk# fbpnbrknl |fn lnpidkb|ihk

hg _nbc|hr Nenri|~p oy|fn Kb|ihkbc Bpph`ib|ihkhg _nbc|hrp+\fn _nbc|hr Nenri|~p

p|b|~p ip nbrknl oy |fhpntfh fbwn fncl eneonr%pfiz ik hkn hr ehrnBpph`ib|ihkp hg _nbc|hrpbp b _nbc|hr# _nbc|hr%Bpph`ib|n# hr `heoikb%|ihk hg oh|f# ghr b `~e~%cb|iwn znrihl hg 6>_h~|n >4 ik Fb`an||%

p|htk# oy zfhkn b| 9:6%6>?%2000 hr 940% bkl fbpdrhtk grhe b pikdcnhggi`n |h hwnr 24:hggi`np ti|f knbrcy0#::: pbcnp bpph`ib|npb`rhpp |fn p|b|n+_N(EBV hg KM `hk|ik%~np |h on hkn hg |fncnblikd rnbc np|b|n hrdb%ki}b|ihkp ik KM+ Khohlypnccp ehrn rnbc np|b|n

|fbk _N(EBV+_N(EBV hg KM# obpnl

ik Ehhrnp|htk# ip bzriwb|ncy htknl bklhznrb|nl rndihkbcgrbk`fipnr ghr _N(EBV#CC@+ Wipi| ttt+rnebv%km+`he ghr ehrnikghreb|ihk+

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Zbdn 2? \fn Z_NPP M~cy hk |fn lby hg |fn`hk`nr|+Pb|~rlby# M~cy 2: ikblwbk`n hr ,?4+>: hk|fn lby hg |fn `hk`nr|+Hk Pb|~rlby# M~cy ?2p|#

|fn Mnppn Drnnk Pnv|n|

piv nv|rnency |bcnk|nlmb}} zcbynrp gnb|~rikdrnkhtknl mb}} |r~e%

zn|nr Ebrwik P|bee# byh~kd lykbei` |nkhrbc|h pbvhzfhkip| LbkkyTbcpf# Mhn @hfk hkn hg|fn mb}} thrclp drnb|

d~i|brip| bkl MnppnDrnnk bk h~|p|bklikdzibkip|+ \fip pnv|n| ipp~rn |h fbwn nwnryhkntbk|ikd ehrn" \i`an|pbrn ,??+>: ik blwbk`n hr,?4+>: hk |fn lby hg |fn`hk`nr|+Hk Tnlknplby# M~cy

?>|f# |fn Cndnklbry@h~k| Obpin Hr`fnp|rbticc bzznbr ~klnr |fnlirn`|ihk hg LnkkipEb`arnc+ \fn obklgnb|~rnp drnb| phchip|p iknb`f pn`|ihk bkl |fn

obkl ticc on zcbyikdObpin hridikbcp grhe |fn

0:p |frh~df |fn 6:p+

\hh e~`f Obpin ip knwnrnkh~df+ \i`an|p brn ,0:ik blwbk`n hr ,0> hk |fnlby hg |fn hk`nr|+Bcc gh~r `hk`nr|p `bk

on z~r`fbpnl ik blwbk`nghr ,9>+ \fhpn 26ynbrp hcl bkl yh~kdnr

brn `bk z~r`fbpn |i`anrpghr ,?: nb`f+Mb}} Ik M~cy ip

zrnpnk|nl oy |fn Fb`a%n||p|htk _h|bry @c~obkl @hykn Nk|nrzripnp#Ik`+ bkl T_KM _blih+Zrh`nnlp ticc onkngi| |fn`fbri|bocn thra |fn_h|bry @c~o lhnp+\i`an|p `bk on

z~r`fbpnl ti|f Wipb bklEbp|nr@brl hkcy hkciknb| ttt+Drnb|Mb}}@hk`nr|p+`he+Ghr ehrn ikghreb|ihk

boh~| |fn nwnk|# `bcc@hykn Nk|nrzripnp# Ik`+

b| 9:6%704%7>+

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Zhmn`| Pncg%P~ggi`ink`y bkkh~k`np|fn p|b| hg b gnnp~een c~k`f zhdbegh `ficlnk ~kln |fnbdn hg 26+ \fn bdnk`yticc on pnwikd c~k`f

Ehklby |fh~df \f~p%lby# M~cy ?kl |fh~dfB~d~p| 27|f# b|22=be# ti|f |fnnv`nz|ihk hg Tnlknp%lby# M~cy

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Lbtk En|}dnr# |fnNvn`~|iwn Lirn`|hr hgPbebri|bk Ikk# rn`nk|cy

zbil b wipi| |h b zrn%p`fhhc `cbpprhhe |hrnbl pnwnrbc hg fnrgbwhri|n `ficlrnkp

ohhap bp zbr| hg Zrhmn`|Pncg% P~ggi`ink`yp@ncnori|y _nblnr

zrhdrbe+I eipp rnblikd |h ey

`ficlrnk tfh brn kht 2?bkl 2># Lbtk pbil+\fn @ncnori|y _nblnr

zrhdrbe ip b `hezhknk|hg Zrhmn`| Pncg%P~ggi`ink`yp GbeicyCi|nrb`y Zrhdrbe#tfi`f nvip|p zriebricy|h bppip| zbrnk|p ti|fho|bikikd |fnir DNL hrti|f zbppikd |fn `hccndn

Ch`bc Zrnp`fhhc @nk|nr Fhp|p

@ncnori|y _nblnr Lbtk En|}dnrzcb`nenk| nvbe+

Tficn ik |fn zrhdrbe#zbrnk|p bcph nkdbdn ik bwbrin|y hg b`|iwi|inplnpidknl |h zrheh|nci|nrb`y ti|fik |fn nk|irngbeicy+\h bzznbr bp b @ncno%

ri|y _nblnr# hr ghr ehrn

ikghreb|ihk boh~|zbr|i`izb|ikd ik |fnGbeicy Ci|nrb`yZrhdrbe hr h|fnr

zrhdrbep b| Zrhmn`|Pncg%P~ggi`ink`y# `bcc940%9::+Zrhmn`| Pncg%

P~ggi`ink`y ip b zriwb|n

khk%zrhgi| `hee~ki|y%obpnl hrdbki}b|ihk lnli%`b|nl |h iezrhwikd |fnciwnp hg cht%ik`hengbeicinp rnpilikd ikkhr|ftnp|nrk KntMnrpny+ \fn bdnk`ypeippihk ip |h zrhwiln b

orhbl pzn`|r~e hg fhcip%|i`# rnpzn`|g~c# bkl `he%

zrnfnkpiwn pnrwi`npnkbocikd cht%ik`hen

pikdcn zbrnk|p# |nnkzbrnk|p# |th%zbrnk|gbeicinp# bkl lipzcb`nlfhenebanrp |h iezrhwn|fnir ciwnp bkl |fn ciwnphg |fnir ficlrnk |frh~df|fn b`finwnenk| hg

znrphkbc bkl n`hkhei`pncg%p~ggi`ink`y bklgbeicy p|boici|y+ Pik`n2967 Zrhmn`| Pncg%P~ggi`ink`y fbp pnrwnlehrn |fbk 29#>:: gbei%cinp# ik`c~likd hwnr0:#::: ficlrnk+

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Ehrn |fbk |th lh}nkMnrpny @nk|rbc Zhtnr 'Cidf| whc~k|nnrp gbkknlh~| b`rhpp Ehrrip# Phe%nrpn|# P~ppnv bklTbrrnk `h~k|inp cbp|tnna# bkptnrikd b `bcc

oy ^ki|nl Tby hgKhr|fnrk Knt Mnrpny |h

dn| ikwhcwnl ik iezrhw%ikd h~r ch`bc `hee~ki%|inp l~rikd |fn gig|fbkk~bc ^ki|nl Tby Lbyhg B`|ihk# b kb|ihktilnlby hg pnrwi`n`bezbidk+Ik `hkm~k`|ihk ti|f |fn

Ehrn \fbk \th Lh}nk M@Z'C Nezchynnp Whc~k|nnr b| Khr|fnrk KM Khkzrhgi|pP~eenr Phcp|i`n hkM~kn ?2p|# ^ki|nl Tbybkk~bccy rbipnp btbrn%knpp boh~| p|r~ddcikdgbeicinp bkl bpap brnbrnpilnk|p ik h~r rndihk|h ~pn |fn chkdnp| lby hg|fn ynbr |h cnbl oynvbezcn bkl fncz b

grinkl# knidfohr# `he%e~ki|y eneonr hrkhkzrhgi| ik knnl+\fnrn ip kh wb`b|ihk

grhe f~kdnr bkl knnl#pbil Pbrbf Orncwi#^ki|nl Tbyp `fing

zrhgnppihkbc hggi`nr ik

Tbrrnk @h~k|y+ Ti|f|fn p~zzhr| hg ebmhr`hezbkinp cian M@Z'C#h~r `hee~ki|inp `bkdrht p|rhkdnr bkl on||nrenn| |fn knnlp hgrnpilnk|p+ B| ^ki|nlTby# tn brn zrh~l |h`bcc M@Z'C b wbc~nl

`hrzhrb|n zbr|knr ghr bcc|fny lh |h p~zzhr| p|r~d%dcikd gbeicinp ynbr%rh~kl# ik`c~likd wbrih~p^ki|nl Tby g~klrbipikdbkl whc~k|nnr

zrhmn`|p+M@Z'C fbp onnk b

chybc p~zzhr|nr hg^ki|nl Tby Lby hgB`|ihk pik`n i|p ik`nz%|ihk ik ?::6# ebaikd|ien ghr nezchynnp |h

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4(4 ' 4(6# 9%

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7/31/2019 Nj 070412

20/20