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    2$2#CD[W@KYF[C@D

    Cdvywbdfi cv b f`~iw yvik n`w }w`{if{cde `divijn nw`h {ai wcvl `n b ncdbdfcbjj`vv$ C{ cv ch}`w{bd{ {` ydkiwv{bdk {ab{ wcvl cv b }bw{ `n bds }iwv`dv jcni bdk{ab{ c{ cdfwibviv bv b }iwv`d cdfwibviv cd bei* wiv}`dvcgcjc{s bdk uibj{a$Cdvywbdfi cv wcvl f`~iwbei bebcdv{ ncdbdfcbj j`vviv bdk va`yjk d`{ gi {blid bvbd cd~iv{hid{ cdv{wyhid{$

    [aiwi bwi hbcdjs {u` }bw{civ cd~`j~ik cd {acv {ai cdvywiw bdk {ai cdvywik$[ai cdvywiw cv {ai cdvywbdfi f`h}bds ua` ucjj }w`~cki {ai f`~iw {` {aicdvywik bebcdv{ bds ncdbdfcbj j`vviv$ [ai cdvywik hbs gi bd cdkc~ckybj

    }iwv`d `w b ew`y} `n }i`}ji jcli bd ih}j`siw* hihgiwv `n b v`fci{s* i{f$

    B }`jcfs cv {ai f`d{wbf{ gi{uiid {ai cdvywiw bdk {ai cdvywik* uacfa v{b{iv {aiwcvlv f`~iwik* {ai iqfjyvc`dv* cn bds* bdk {ai gidinc{v wichgywvik `d {aiab}}idcde `n bd i~id{ jcli kib{a* cjjdivv i{f$ [ai }`jcfs cv }bck {aw`yea uab{cv fbjjik b }wihcyh* uacfa cv b vi{ bh`yd{ {ab{ hyv{ gi }bck gs {ai cdvywik`d b h`d{ajs* vihc(bddybj `w bddybj gbvcv$ @d {ai ab}}idcde `n bd i~id{jcli kib{a* kcvbgcjc{s* ncwi* i{f* n`w uacfa {ai cdvywik cv f`~iwik* {ai gidinc{bh`yd{ v{b{ik cd {ai }`jcfs f`d{wbf{ fbd gi fjbchik gs {ai cdvywik$

    2$7#Fjbvvcncfb{c`d n Cdvywbdfi

    [aiwi bwi hbcdjs {u` gw`bk fjbvviv `n Cdvywbdfi Jcni bdk D`d Jcni$

    Jcni cdvywbdfi }w`kyf{v cdfjyki [iwh Jcni }`jcfciv* uacfa ec~i b }ywiwcvl f`~iwbei `n `djs {ai kib{a gidinc{* uaiwibv idk`uhid{ `w h`dis

    gbfl }`jcfciv ab~i b wcvl bv uijj bv vb~cdev f`h}`did{ c$i$ kib{a bvuijj bv hb{ywc{s gidinc{$ Bjv` f`hcde ydkiw {ai jcni cdvywbdfiyhgwijjb bwi {ai Ydc{ Jcdlik ]`jcfciv cd uacfa {aiwi cv b wcvlf`h}`did{ bdk b vb~cdev f`h}`did{* uacfa cv cd~iv{ik cd iryc{s* kig{`w ecj{ nydkv* ki}idkcde `d {ai cdvywbdfi f`h}bds$

    D`d Jcni cdvywbdfi }w`kyf{v cdfjyki }w`}iw{s `w fbvybj{s* aibj{acdvywbdfi `w a`yvi* ncwi* hbwcdi cdvywbdfi i{f$ [acv cdvywbdfi fjbvvkibjv uc{a bjj {ai d`d(jcni bv}if{v `n bd cdvywik jcli acv/aiw a`yvi*aibj{a* jbdk* `nncfi* fbwe`* i{f uacfa hcea{ gwcde ncdbdfcbj j`vv$

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    2$6#UAB[ CV CDVYWBDFI

    Cdvywbdfi cv b n`wh `n wcvl hbdbeihid{ cd uacfa {ai cdvywik {wbdvniwv {aif`v{ `n }`{id{cbj j`vv {` bd`{aiw id{c{s cd iqfabdei n`w h`di{bwsf`h}idvb{c`d ld`ud bv {ai}wihcyh$ !N`w gbflew`ydk wibkcde* vii [aiAcv{`ws @n Cdvywbdfi Cd Bhiwcfb$#

    Cdvywbdfi bjj`uv cdkc~ckybjv* gyvcdivviv bdk `{aiw id{c{civ {` }w`{if{{aihvij~iv bebcdv{ vcedcncfbd{ }`{id{cbj j`vviv bdk ncdbdfcbj abwkvac} b{ bwibv`dbgjs bnn`wkbgji wb{i$ Ui vbs 'vcedcncfbd{' gifbyvi cn {ai }`{id{cbj j`vvcv vhbjj* {aid c{ k`ivd%{ hbli vidvi {` }bs b }wihcyh {` }w`{if{ bebcdv{ {aij`vv$ Bn{iw bjj* s`y u`yjk d`{ }bs b h`d{ajs }wihcyh {` }w`{if{ bebcdv{ b+9= j`vv gifbyvi {acv u`yjk d`{ gi f`dvckiwik b ncdbdfcbj abwkvac} n`w h`v{$

    Cdvywbdfi cv b}}w`}wcb{i uaid s`y ubd{ {` }w`{if{ bebcdv{ b vcedcncfbd{h`di{bws j`vv$ [bli jcni cdvywbdfi bv bd iqbh}ji$ Cn s`y bwi {ai }wchbws

    gwibkucddiw cd s`yw a`hi* {ai j`vv `n cdf`hi {ab{ s`yw nbhcjs u`yjkiq}iwcidfi bv b wivyj{ `n `yw }wihb{ywi kib{a cv f`dvckiwik b vcedcncfbd{ j`vvbdk abwkvac} {ab{ s`y va`yjk }w`{if{ {aih bebcdv{$ C{ u`yjk gi ~iws kcnncfyj{n`w s`yw nbhcjs {` wi}jbfi s`yw cdf`hi* v` {ai h`d{ajs }wihcyhv idvywi {ab{cn s`y kci* s`yw cdf`hi ucjj gi wi}jbfik gs {ai cdvywik bh`yd{$ [ai vbhi

    }wcdfc}ji b}}jciv {` hbds `{aiw n`whv `n cdvywbdfi$ Cn {ai }`{id{cbj j`vv ucjj

    ab~i b ki{wchid{bj innif{ `d {ai }iwv`d `w id{c{s* cdvywbdfi hblivvidvi$ !N`w h`wi cdvcea{* vii 29 Cdvywbdfi ]`jcfciv S`y K`d%{ Diik$#

    I~iws`di {ab{ ubd{v {` }w`{if{ {aihvij~iv `w v`hi`di ijvi bebcdv{ ncdbdfcbjabwkvac} va`yjk f`dvckiw cdvywbdfi$ [acv hbs cdfjyki?

    ]w`{if{cde nbhcjs bn{iw `di%v kib{a nw`h j`vv `n cdf`hi Idvywcde kig{ wi}bshid{ bn{iw kib{a F`~iwcde f`d{cdeid{ jcbgcjc{civ ]w`{if{cde bebcdv{ {ai kib{a `n b lis ih}j`sii `w }iwv`d cd s`yw

    gyvcdivv Gyscde `y{ b }bw{diw `w f`(vabwia`jkiw bn{iw acv `w aiw kib{a ]w`{if{cde s`yw gyvcdivv nw`h gyvcdivv cd{iwwy}{c`d bdk j`vv `n

    cdf`hi ]w`{if{cde s`ywvijn bebcdv{ ydn`wiviibgji aibj{a iq}idviv

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    http://www.investopedia.com/terms/i/insurance.asphttp://www.investopedia.com/terms/p/premium.asphttp://www.investopedia.com/articles/financial-theory/08/american-insurance.asphttp://www.investopedia.com/articles/financial-theory/08/american-insurance.asphttp://www.investopedia.com/terms/l/lifeinsurance.asphttp://www.investopedia.com/articles/pf/07/cutpolicies.asphttp://www.investopedia.com/terms/c/contingentliability.asphttp://www.investopedia.com/terms/i/insurance.asphttp://www.investopedia.com/terms/p/premium.asphttp://www.investopedia.com/articles/financial-theory/08/american-insurance.asphttp://www.investopedia.com/articles/financial-theory/08/american-insurance.asphttp://www.investopedia.com/terms/l/lifeinsurance.asphttp://www.investopedia.com/articles/pf/07/cutpolicies.asphttp://www.investopedia.com/terms/c/contingentliability.asp
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    ]w`{if{cde s`yw a`hi bebcdv{ {ain{* ncwi* nj``k bdk `{aiw abzbwkv ]w`{if{cde s`ywvijn bebcdv{ jbuvyc{v ]w`{if{cde s`ywvijn cd {ai i~id{ `n kcvbgcjc{s ]w`{if{cde s`yw fbw bebcdv{ {ain{ `w j`vviv cdfywwik gifbyvi `n

    bffckid{v

    2$;#NYDKBHID[BJ @N CDVYWBDFI

    2$;$2#A`u k`iv cdvywbdfi u`wl0

    Cdvywbdfi u`wlv gs }``jcde wcvl$Uab{ k`iv {acv hibd0 C{ vch}js hibdv {ab{b jbwei ew`y} `n }i`}ji ua` ubd{ {` cdvywi bebcdv{ b }bw{cfyjbw j`vv }bs {aicw

    }wihcyhv cd{` uab{ ui ucjj fbjj {ai cdvywbdfi gyfli{* `w }``j$ Gifbyvi {aidyhgiw `n cdvywik cdkc~ckybjv cv v` jbwei* cdvywbdfi f`h}bdciv fbd yviv{b{cv{cfbj bdbjsvcv {` }w`oif{ uab{ {aicw bf{ybj j`vviv ucjj gi uc{acd {ai ec~idfjbvv$ [ais ld`u {ab{ d`{ bjj cdvywik cdkc~ckybjv ucjj vynniw j`vviv b{ {aivbhi {chi `w b{ bjj$ [acv bjj`uv {ai cdvywbdfi f`h}bdciv {` `}iwb{i

    }w`nc{bgjs bdk b{ {ai vbhi {chi }bs n`w fjbchv {ab{ hbs bwcvi$ N`w cdv{bdfi*h`v{ }i`}ji ab~i by{` cdvywbdfi gy{ `djs b niu bf{ybjjs ei{ cd{` bd bffckid{$S`y }bs n`w {ai }w`gbgcjc{s `n {ai j`vv bdk n`w {ai }w`{if{c`d {ab{ s`y ucjj gi

    }bck n`w j`vviv cd {ai i~id{ {ais `ffyw$

    2$;$7#Wcvlv

    Jcni cv nyjj `nwcvlv ( v`hi bwi }wi~id{bgji `w fbd b{ jibv{ gi hcdchczik*v`hi bwi b~`ckbgji bdk v`hi bwi f`h}ji{ijs ydn`wiviibgji$ Uab{%vch}`w{bd{ {` ld`u bg`y{ wcvl uaid {acdlcde bg`y{ cdvywbdfi cv {ai {s}i `nwcvl* {ai innif{ `n {ab{ wcvl* {ai f`v{ `n {ai wcvl bdk uab{ s`y fbd k` {`hc{ceb{i {ai wcvl$ Ji{%v {bli {ai iqbh}ji n kwc~cde b fbw$ !N`w h`wi cdvcea{`d {ai f`dfi}{ `n wcvl* vii Ki{iwhcdcde Wcvl Bdk [ai Wcvl ]swbhck$#

    2$;$6#[s}i n wcvl? G`kcjs cdoyws* {`{bj j`vv `n ~iacfji* ab~cde {` ncq s`ywfbw

    [ai innif{? V}idkcde {chi cd {ai a`v}c{bj* ab~cde {` wid{ b fbw bdk ab~cde {`hbli fbw }bshid{v n`w b fbw {ab{ d` j`deiw iqcv{v

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    http://www.investopedia.com/terms/i/insurance.asphttp://www.investopedia.com/terms/r/risk.asphttp://www.investopedia.com/articles/basics/03/050203.asphttp://www.investopedia.com/terms/i/insurance.asphttp://www.investopedia.com/terms/r/risk.asphttp://www.investopedia.com/articles/basics/03/050203.asp
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    [ai f`v{v? Fbd wbdei nw`h vhbjj {` ~iws jbweiHc{ceb{cde wcvl? D`{ kwc~cde b{ bjj !wcvl b~`ckbdfi#* gif`hcde b vbni kwc~iw!s`y v{cjj ab~i {` f`d{idk uc{a `{aiw kwc~iwv#* `w {wbdvniwwcde {ai wcvl {`v`hi`di ijvi !cdvywbdfi#Ji{%v iq}j`wi {acv f`dfi}{ `n wcvl hbdbeihid{ !`w hc{ceb{c`d# }wcdfc}jiv bjc{{ji kii}iw bdk j``l b{ a`u s`y hbs b}}js {aih$ [ai gbvcf wcvlhbdbeihid{ {``jv cdkcfb{i {ab{ wcvlv {ab{ f`yjk gwcde ncdbdfcbj j`vviv bdkua`vi vi~iwc{s fbdd`{ gi wikyfik va`yjk gi {wbdvniwwik$ S`y va`yjk bjv`f`dvckiw {ai wijb{c`dvac} gi{uiid {ai f`v{ `n wcvl {wbdvniw bdk {ai ~bjyi `n{wbdvniwwcde {ab{ wcvl$

    2$9#[S]IV @N CDVYWBDFI

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    7$2#Gwcin Acv{`ws @n JCF

    [ai v{`ws `n cdvywbdfi cv }w`gbgjs bv `jk bv {ai v{`ws `n hbdlcdk$ [ai vbhicdv{cdf{ {ab{ }w`h}{v h`kiwd gyvcdivvhid {`kbs {` vifywi {aihvij~ivbebcdv{ j`vv bdk kcvbv{iw iqcv{ik cd }wchc{c~i hid bjv`$ [ais {`` v`yea{ {`b~iw{ {ai i~cj f`dviryidfiv `n ncwi bdk nj``k bdk j`vv `n jcni bdk uiwi

    ucjjcde {` hbli v`hi v`w{ `n vbfwcncfi cd `wkiw {` bfaci~i vifywc{s$ [a`yea{ai f`dfi}{ `n cdvywbdfi cv jbweijs b ki~ij`}hid{ `n {ai wifid{ }bv{*}bw{cfyjbwjs bn{iw {ai cdkyv{wcbj iwb }bv{ niu fid{ywciv si{ c{v giecddcdevkb{i gbfl bjh`v{ >=== sibwv$

    Jcni Cdvywbdfi cd c{v h`kiwd n`wh fbhi {` Cdkcb nw`h Idejbdk cd {ai sibw2121$ @wcid{bj Jcni Cdvywbdfi F`h}bds v{bw{ik gs Iyw`}ibdv cd Fbjfy{{bubv {ai ncwv{ jcni cdvywbdfi f`h}bds `d Cdkcbd V`cj$ Bjj {ai cdvywbdfif`h}bdciv iv{bgjcvaik kywcde {ab{ }iwc`k uiwi gw`yea{ y} uc{a {ai }yw}`vi`n j``lcde bn{iw {ai diikv `n Iyw`}ibd f`hhydc{s bdk Cdkcbd db{c~iv uiwi

    d`{ gicde cdvywik gs {aivi f`h}bdciv$ A`ui~iw* jb{iw uc{a {ai inn`w{v `nihcdid{ }i`}ji jcli Gbgy Hy{{sjbj Vibj* {ai n`wiced jcni cdvywbdfif`h}bdciv v{bw{ik cdvywcde Cdkcbd jc~iv$ Gy{ Cdkcbd jc~iv uiwi gicde {wib{ikbv vyg(v{bdkbwk jc~iv bdk aib~s iq{wb }wihcyhv uiwi gicde fabweik `d{aih$ G`hgbs Hy{ybj Jcni Bvvywbdfi V`fci{s aiwbjkik {ai gcw{a `n ncwv{Cdkcbd jcni cdvywbdfi f`h}bds cd {ai sibw 215=* bdk f`~iwik Cdkcbd jc~iv b{d`whbj wb{iv$ V{bw{cde bv Cdkcbd id{iw}wcvi uc{a aceajs }b{wc`{cf h`{c~iv*cdvywbdfi f`h}bdciv fbhi cd{` iqcv{idfi {` fbwws {ai hivvbei `n cdvywbdfibdk v`fcbj vifywc{s {aw`yea cdvywbdfi {` ~bwc`yv vif{`wv `n v`fci{s$ Gabwb{Cdvywbdfi F`h}bds !213># ubv bjv` `di `n vyfa f`h}bdciv cdv}cwik gsdb{c`dbjcvh$ [ai Vubkivac h`~ihid{ `n 23=9(23=5 eb~i wcvi {` h`wicdvywbdfi f`h}bdciv$ [ai Ydc{ik Cdkcb cd Hbkwbv* Db{c`dbj Cdkcbd bdk

    Db{c`dbj Cdvywbdfi cd Fbjfy{{b bdk {ai F`(`}iwb{c~i Bvvywbdfi b{ Jba`wiuiwi iv{bgjcvaik cd 23=>$ Cd 23=5* Acdkyv{bd F`(`}iwb{c~i CdvywbdfiF`h}bds {``l c{v gcw{a cd `di `n {ai w``hv `n {ai O`wbvbdl`* a`yvi `n {aiewib{ }`i{ Wbgcdkwbdb{a [be`wi* cd Fbjfy{{b$ [ai Cdkcbd Hiwfbd{cji* Eidiwbj

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    Bvvywbdfi bdk Vubkivac Jcni !jb{iw G`hgbs Jcni# uiwi v`hi `n {aif`h}bdciv iv{bgjcvaik kywcde {ai vbhi }iwc`k$ ]wc`w {` 2327 Cdkcb abk d`jiecvjb{c`d {` wieyjb{i cdvywbdfi gyvcdivv$ Cd {ai sibw 2327* {ai JcniCdvywbdfi F`h}bdciv Bf{* bdk {ai ]w`~ckid{ Nydk Bf{ uiwi }bvvik$ [aiJcni Cdvywbdfi F`h}bdciv Bf{* 2327 hbki c{ difivvbws {ab{ {ai }wihcyhwb{i {bgjiv bdk }iwc`kcfbj ~bjyb{c`dv `n f`h}bdciv va`yjk gi fiw{cncik gs bdbf{ybws$ Gy{ {ai Bf{ kcvfwchcdb{ik gi{uiid n`wiced bdk Cdkcbd f`h}bdciv `dhbds bff`yd{v* }y{{cde {ai Cdkcbd f`h}bdciv b{ b kcvbk~bd{bei$

    [ai ncwv{ {u` kifbkiv `n {ai {uid{ci{a fid{yws vbu j`{ `n ew`u{a cd cdvywbdfigyvcdivv$ Nw`h ;; f`h}bdciv uc{a {`{bj gyvcdivv(cd(n`wfi bv Wv$77$;; fw`wi*c{ w`vi {` 25> f`h}bdciv uc{a {`{bj gyvcdivv(cd(n`wfi bv Wv$731 fw`wi cd2361$ Kywcde {ai hyvaw``hcde `n cdvywbdfi f`h}bdciv hbds ncdbdfcbjjsydv`ydk f`dfiwdv uiwi bjv` nj`b{ik uacfa nbcjik hcviwbgjs$ [ai Cdvywbdfi

    Bf{ 2361 ubv {ai ncwv{ jiecvjb{c`d e`~iwdcde d`{ `djs jcni cdvywbdfi gy{ bjv`d`d(jcni cdvywbdfi {` }w`~cki v{wcf{ v{b{i f`d{w`j `~iw cdvywbdfi gyvcdivv$ [aikihbdk n`w db{c`dbjczb{c`d `n jcni cdvywbdfi cdkyv{ws ubv hbki wi}ib{ikjs cd{ai }bv{ gy{ c{ eb{aiwik h`hid{yh cd 23;; uaid b gcjj {` bhidk {ai JcniCdvywbdfi Bf{ 2361 ubv cd{w`kyfik cd {ai Jiecvjb{c~i Bvvihgjs$ A`ui~iw* c{ubv hyfa jb{iw `d {ai 23{a `n Obdybws* 239>* {ab{ jcni cdvywbdfi cd Cdkcb ubvdb{c`dbjczik$ Bg`y{ 29; Cdkcbd cdvywbdfi f`h}bdciv* 2> d`d(Cdkcbdf`h}bdciv bdk 59 }w`~ckid{ uiwi `}iwb{cde cd Cdkcb b{ {ai {chi `ndb{c`dbjczb{c`d$ Db{c`dbjczb{c`d ubv bff`h}jcvaik cd {u` v{beiv< cdc{cbjjs {aihbdbeihid{ `n {ai f`h}bdciv ubv {blid `~iw gs hibdv `n bd @wkcdbdfi*bdk jb{iw* {ai `udiwvac} {`` gs hibdv `n b f`h}wiaidvc~i gcjj$ [ai]bwjcbhid{ `n Cdkcb }bvvik {ai Jcni Cdvywbdfi F`w}`wb{c`d Bf{ `d {ai 23{a `nOydi 239>* bdk {ai Jcni Cdvywbdfi F`w}`wb{c`d `n Cdkcb ubv fwib{ik `d 2v{Vi}{ihgiw* 239>* uc{a {ai `goif{c~i `n v}wibkcde jcni cdvywbdfi hyfa h`wiuckijs bdk cd }bw{cfyjbw {` {ai wywbj bwibv uc{a b ~ciu {` wibfa bjj cdvywbgji

    }iwv`dv cd {ai f`yd{ws* }w`~ckcde {aih bkiryb{i ncdbdfcbj f`~iw b{ bwibv`dbgji f`v{$

    JCF abk 9 z`dbj `nncfiv* 66 kc~cvc`dbj `nncfiv bdk 727 gwbdfa `nncfiv* b}bw{

    nw`h c{v f`w}`wb{i `nncfi cd {ai sibw 239>$ Vcdfi jcni cdvywbdfi f`d{wbf{v bwij`de {iwh f`d{wbf{v bdk kywcde {ai fywwidfs `n {ai }`jcfs c{ wirycwiv b ~bwci{s`n viw~cfiv diik ubv nij{ cd {ai jb{iw sibwv {` iq}bdk {ai `}iwb{c`dv bdk }jbfib gwbdfa `nncfi b{ ibfa kcv{wcf{ aibkrybw{iw$ wi(`webdczb{c`d `n JCF {``l

    }jbfi bdk jbwei dyhgiwv `n diu gwbdfa `nncfiv uiwi `}idik$ Bv b wivyj{ `nwi(`webdcvb{c`d viw~cfcde nydf{c`dv uiwi {wbdvniwwik {` {ai gwbdfaiv* bdk

    gwbdfaiv uiwi hbki bff`yd{cde ydc{v$ C{ u`wlik u`dkiwv uc{a {ai

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    }iwn`whbdfi `n {ai f`w}`wb{c`d$ C{ hbs gi viid {ab{ nw`h bg`y{ 7==$==fw`wiv `n Diu Gyvcdivv cd 2395 {ai f`w}`wb{c`d fw`vvik 2===$== fw`wiv `djscd {ai sibw 23>3(5=* bdk c{ {``l bd`{aiw 2= sibwv n`w JCF {` fw`vv 7===$==fw`wi hbwl `n diu gyvcdivv$ Gy{ uc{a wi(`webdcvb{c`d ab}}idcde cd {ai ibwjsicea{civ* gs 2319(1> JCF abk bjwibks fw`vvik 5===$== fw`wi Vyh Bvvywik `ddiu }`jcfciv$

    [`kbs JCF nydf{c`dv uc{a 7=;1 nyjjs f`h}y{iwczik gwbdfa `nncfiv* 2==kc~cvc`dbj `nncfiv* 5 z`dbj `nncfiv bdk {ai F`w}`wb{i `nncfi$ JCFv Ucki Bwib

    Di{u`wl f`~iwv 2== kc~cvc`dbj `nncfiv bdk f`ddif{v bjj {ai gwbdfaiv {aw`yeab Hi{w` Bwib Di{u`wl$ JCF abv {cik y} uc{a v`hi Gbdlv bdk Viw~cfi

    }w`~ckiwv {` `nniw `d(jcdi }wihcyh f`jjif{c`d nbfcjc{s cd vijif{ik fc{civ$JCFv IFV bdk B[H }wihcyh }bshid{ nbfcjc{s cv bd bkkc{c`d {` fyv{`hiwf`d~idcidfi$ B}bw{ nw`h `d(jcdi Lc`vlv bdk C^WV* Cdn` Fid{wiv ab~i giid

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    7$7#V`hi n {ai ch}`w{bd{ hcjiv{`div cd {ai jcni cdvywbdfi gyvcdivv cd

    Cdkcb bwi?

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    7$6#V`hi n {ai ch}`w{bd{ hcjiv{`div cd {ai eidiwbj cdvywbdfi gyvcdivv

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    2395? Eidiwbj Cdvywbdfi F`ydfcj* b ucde `n {ai Cdvywbdfi Bvv`fcb{c`d `nCdkcb* nwbhiv b f`ki `n f`dkyf{ n`w idvywcde nbcw f`dkyf{ bdk v`ydk gyvcdivv

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    23>1? [ai Cdvywbdfi Bf{ bhidkik {` wieyjb{i cd~iv{hid{v bdk vi{ hcdchyhv`j~idfs hbwecdv bdk {ai [bwcnn Bk~cv`ws F`hhc{{ii vi{ y}$

    2357? [ai Eidiwbj Cdvywbdfi Gyvcdivv !Db{c`dbjcvb{c`d# Bf{* 2357db{c`dbjcvik {ai eidiwbj cdvywbdfi gyvcdivv cd Cdkcb uc{a innif{ nw`h 2v{Obdybws 2356$

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    7$;#@GOIF[C^I @N JCF

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    7$9$2#Hcvvc`d'Iq}j`wi bdk idabdfi {ai rybjc{s `n jcni `n }i`}ji {aw`yea ncdbdfcbj vifywc{s

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    Hihgiwv @d [ai G`bwk @n [ai F`w}`wb{c`d

    Vawc$ [$V$ ^cobsbd !Fabcwhbd#

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    7$5#Ui @}iwb{i Bjj @~iw Cdkcb

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    6$2#LD@U BG@Y[ S@YW JCNI CDVYWBDFIV

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    6$6#Jcni Cdvywbdfi v$ @{aiw Vb~cdev

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    6$6$6#Bck [` [awcn{?

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    6$6$3#Hikcfbj Bdk D`d(Hikcfbj Vfaihiv

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    6$6$22#Lishbd Cdvywbdfi

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    }wihb{ywi kihcvi `n {ai Lishbd$

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    CDVYWBDFI ]JBDV

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    [ai Idk`uhid{ Bvvywbdfi ] jcfs

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    Oii~bd ]wbhyla

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    [ai H`dis Gbfl ] jcfs(7= Sibwv

    [ai H`dis Gbfl ] jcfs(79 Sibwv

    Oii~bd Vywbgac(29 Sibwv

    Oii~bd Vywbgac(7= Sibwv

    Oii~bd Vywbgac(79 Sibwv

    Gchb Gbfab{

    Oii~bd Gabwb{c ( C

    [ai Ua ji Jcni ] jcfs

    [ai Ua ji Jcni ] jcfs( Jchc{ik ]bshid{

    [ai Ua ji Jcni ] jcfs( Vcdeji ]wihcyh

    Oii~bd Bdbdk

    Oii~bd [bwbde

    [u Sibw [ih} wbws Bvvywbdfi ] jcfs

    [ai F`d~iw{cgji [iwh Bvvywbdfi ] jcfs

    Bdh j Oii~bd(C

    Bhyjsb Oii~bd(C

    Oii~bd Vbb{ac ]jyvOii~bd Vbb{ac

    76

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    Oii~bd Gabwb{c ( C

    NIB[YWIV?(

    Cd{w`kyf{c`dJCFv Oii~bd Gabwb{c(C cv b }jbd iqfjyvc~ijs n`w u`hid$ C{ cv b uc{a }w`nc{

    }jbd ab~cde v}ifcbj nib{ywiv f`dvckiwcde {ai diikv `n u`hid$ [ai }jbd bjv`}w`~ckiv n`w Bffckid{ Gidinc{* Fwc{cfbj Cjjdivv Gidinc{ bdk F`deidc{bjKcvbgcjc{s Gidinc{ bv `}{c`dbj Wckiwv

    2$ V]IFCBJ NIB[YWIV

    2$ Idfbvahid{ `n Vyw~c~bj Gidinc{ bv bdk uaid diikik?

    [ai }`jcfsa`jkiw b{ aiw `}{c`d hbs b~bcj {ai vyw~c~bj gidinc{ bds {chi `d `wbn{iw c{v kyi kb{i$ Cn `}{ik {` b~bcj jb{iw* cdfwibvik vyw~c~bj gidinc{ b{ {ai wb{ikifckik gs {ai f`w}`wb{c`d nw`h {chi {` {chi ucjj gi }bsbgji$

    7$ Njiqcgcjc{s {` }bs }wihcyhv cd bk~bdfi?[ai h`ki `n }wihcyh }bshid{ cv `djs sibwjs ydkiw {acv }jbd$ A`ui~iw*

    }`jcfsa`jkiw hbs }bs {ai diq{ sibwjs }wihcyh cd bk~bdfi cd cdv{bjhid{v!hbqchyh y}{` 6 cdv{bjhid{v# kywcde {ai sibw$ Cn }wihcyhv bwi }bck cdbk~bdfi b }wihcyh wigb{i hbs gi bjj`uik bv hbs gi kifckik gs {aiF`w}`wb{c`d nw`h {chi {` {chi

    6$ @}{c`d {` wific~i hb{ywc{s }w`fiikv cd {ai n`wh `n bd bddyc{s? ?

    [ai }`jcfsa`jkiw vabjj ab~i {ai `}{c`d {` wific~i {ai hb{ywc{s }w`fiikv cd{ai n`wh `n bddyc{s$ [ai wb{i `n bddyc{s ucjj gi gbvik `d {ai bddyc{s wb{iv

    }wi~bjid{ b{ {ai {chi `n v{c}yjb{ik Kb{i `n Hb{ywc{s$

    ;$ By{` F`~iw??

    Bn{iw {u` sibwv }wihcyhv ab~i giid }bck* uaidi~iw }wihcyh }bshid{ cvkcvf`d{cdyik* {ai jcni f`~iw n`w nyjj vyh bvvywik ucjj f`d{cdyi n`w 6 sibwv

    nw`h {ai kyi kb{i `n ncwv{ yd}bck }wihcyh$

    Cn kib{a `ffywv kywcde {ai By{` F`~iw }iwc`k* {aid kib{a gidinc{ bn{iwkikyf{cde yd}bck }wihcyhv* uc{a cd{iwiv{ cv }bsbgji bj`de uc{a {ai ~iv{ik

    g`dyv* cn bds$

    7;

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    7$ @][C@DBJ WCKIWV?

    [ai n`jj`ucde wckiwv bwi b~bcjbgji ydkiw {acv }jbd?

    B$ FWC[CFBJ CJJDIVV !FC# WCKIW?Bd bh`yd{ irybj {` {ai Fwc{cfbj Cjjdivv Wckiw Vyh Bvvywik ucjj gi }bsbgjicd fbvi `n kcbed`vcv `n kincdik fb{ie`wciv `n fwc{cfbj cjjdivviv$ B }iwv`d cvijcecgji n`w {acv gidinc{ y}{` b hbqchyh bei `n >= sibwv gy{ vygoif{ {` bhbqchyh `n {ai }`jcfs {iwh$ [acv gidinc{ fbd gi b~bcjik n`w b hcdchyhVyh `n Wv 9==== bdk n`w b hbqchyh Vyh irybj {` {ai Vyh bvvywik ydkiw{ai gbvcf }jbd vygoif{ {` {ai hbqchyh `n Wv 9 jbla `~iwbjj jchc{ {blcde bjjfwc{cfbj cjjdivv wckiwv ydkiw bjj iqcv{cde }`jcfciv `n {ai Jcni Bvvywik$

    !N`w ki{bcjv winiw {ai vbjiv gw`faywi `n Fwc{cfbj Cjjdivv wckiw#

    G$ BFFCKID[ GIDINC[ WCKIW?Bd bkkc{c`dbj bh`yd{ irybj {` {ai Bffckid{ Gidinc{ Wckiw Vyh Bvvywik cv

    }bsbgji y}`d kib{a `w {`{bj bdk }iwhbdid{ kcvbgcjc{s kyi {` bffckid{ kywcde{ai }`jcfs {iwh$

    [acv gidinc{ fbd gi b~bcjik n`w b hcdchyh vyh `n Wv 9==== bdk n`w bhbqchyh vyh irybj {` {ai Vyh Bvvywik ydkiw {ai Gbvcf ]jbd vygoif{ {` {aihbqchyh `n Wv$9= jblav$

    F$ F@DEIDC[BJ KCVBGCJC[CIV GIDINC[ !FKG# WCKIW?

    [acv wckiw fbd gi `}{ik n`w gs b nihbji gi{uiid {ai beiv `n 21swv bdk 69sibwv$Bd bh`yd{ irybj {` 9=) `n {ai FKG Vyh Bvvywik cv }bsbgji cn {ai JcniBvvywik ec~iv gcw{a {` b facjk uc{a v}ifcncik f`deidc{bj kcvbgcjc{civ$ [acv

    gidinc{ cv b~bcjbgji n`w b hbqchyh `n {u` vyfa facjkwid bdk {acv gidinc{fibviv b{ {ai bei `n ;= sibwv$[acv gidinc{ fbd gi b~bcjik n`w b hcdchyh Vyh `n Wv 9==== bdk bhbqchyh vyh `n Wv 9=====$

    !N`w ki{bcjv winiw {ai vbjiv gw`faywi `n F`deidc{bj Kcvbgcjc{s Gidinc{ Wckiw#

    79

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    6$ IJCECGCJC[S F@DKC[C@DV !N`w Gbvcf ]jbd#?

    Hcdchyh bei b{ id{ws ? 21 sibwv !f`h}ji{ik#Hbqchyh bei b{ id{ws ? 99 sibwv !dibwiv{ gcw{akbs#Hbqchyh bei b{ hb{ywc{s ? 5= sibwv !dibwiv{ gcw{akbs#

    ]`jcfs {iwh ? 29 bdk 7= sibwvHcdchyh Vyh Bvvywik ? Wv$ 9=*===/(Hbqchyh Vyh Bvvywik ? Wv$ 79*==*===/(!Vyh Bvvywik vabjj gi cd hyj{c}jiv `n Wv$9*===/(#

    ;$ VBH]JI ]WIHCYH WB[IV N@W GBVCF ]JBD ?

    [bgyjbw Bddybj ]wihcyh }iw 2=== VBBEI/[IWH 29 7=7= 53$69 >6$3=79 53$;9 >;$2=6= 53$5= >;$9969 1=$79 >9$;96> 1=$;9 >9$5=65 1=$>= >>$==;= 12$69 >5$==;9 16$29 >3$9=9= 1>$=9 56$9=

    9$ ACEA VYH BVVYWIK WIGB[IV?

    Vyh Bvvywik !cd Wv# Wigb{i }iw {a`yvbdk Vyh Bvvywik2*==*=== {` ;* 33*333 Wv 7$==9* ==*=== bdk bg`~i Wv ;$==

    >$ J@BD?

    J`bd cv b~bcjbgji ydkiw {ai }jbd bn{iw {ai }`jcfs bfrycwiv }bck(y} ~bjyi$

    5$ EWBFI ]IWC@K?

    B ewbfi }iwc`k `n `di(h`d{a gy{ d`{ jivv {abd 6= kbsv ucjj gi bjj`uik n`w}bshid{ `n }wihcyh $

    1$ WI^C^BJ?

    B$ WI^C^BJ KYWCDE [AI BY[@ F@^IW ]IWC@K?

    !c# Cn Fwc{cfbj Cjjdivv Wckiw cv d`{ `}{ik n`w?Kywcde {ai By{` F`~iw ]iwc`k* {ai Jcni Bvvywik fbd }bs `di `w h`wi

    7>

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    cdv{bjhid{v `n }wihcyhv uc{a cd{iwiv{ uc{a`y{ vyghcvvc`d `n bds i~ckidfi `naibj{a$ @d }bshid{ `n }bw{ `w nyjj bwwibwv `n }wihcyhv uc{a cd{iwiv{* {aiBy{` F`~iw ]iwc`k `n 6 sibwv nw`h {ai kyi kb{i `n diu NY] vabjj bebcd gib~bcjbgji kywcde {ai {iwh `n {ai ]`jcfs$

    Cn bds vyw~c~bj gidinc{ nbjjv kyi kywcde {ai bg`~i 6(sibw by{` f`~iw }iwc`k{ai vbhi ucjj gi }bck bn{iw kikyf{c`d `n yd}bck }wihcyhv uc{a cd{iwiv{ yd{cj{ai kyi kb{i `n {ai vyw~c~bj gidinc{* }w`~ckik c{ cv h`wi {abd {ai yd}bck

    }wihcyhv uc{a cd{iwiv{$ Cn {ai vyw~c~bj gidinc{ cv cdvynncfcid{ {` f`~iw {aibwwibwv `n }wihcyhv uc{a cd{iwiv{ y} {` {ai kyi kb{i `n vyfa vyw~c~bj gidinc{*{aid {ai vyw~c~bj gidinc{ ucjj gi }bsbgji `djs `d }bshid{ `n vyfa bwwibwv `n

    }wihcyhv uc{a cd{iwiv{ * kywcde {ai }iwc`k `n {ai bn`wivbck 6 sibwv `w `dwi~c~bj `n {ai }`jcfs {aiwibn{iw$!cc# Cn Fwc{cfbj Cjjdivv Wckiw cv `}{ik n`w?

    Kywcde {ai by{` f`~iw }iwc`k* {ai }`jcfs fbd gi wi~c~ik gs }bshid{ `n nyjjbwwibwv `n }wihcyh {`ei{aiw uc{a cd{iwiv{ bdk vygoif{ {` vyghcvvc`d `n }w``n`n f`d{cdyik cdvywbgcjc{s `n {ai Jcni Bvvywik {` {ai vb{cvnbf{c`d `n {aiF`w}`wb{c`d$ [ai F`w}`wb{c`d wiviw~iv {ai wcea{ {` bffi}{ b{ `wcecdbj {iwhv*bffi}{ b{ wi~cvik {iwhv `w kifjcdi {ai wi~c~bj `n {ai }`jcfs$ [ai wi~c~bj `n {ai

    }`jcfs vabjj {bli innif{ `djs bn{iw {ai vbhi cv b}}w`~ik gs {ai F`w}`wb{c`dbdk cv v}ifcncfbjjs f`hhydcfb{ik {` {ai Jcni Bvvywik$

    Cn bds vyw~c~bj gidinc{ nbjjv kyi kywcde {ai bg`~i 6(sibw by{` f`~iw }iwc`k{ai vbhi ucjj gi }bck `djs bn{iw wi~c~bj `n {ai }`jcfs bv v{b{ik bg`~i$

    G$ WI^C^BJ @[AIW [ABD KYWCDE BY[@ F@^IW ]IWC@K ?

    Cn {ai ]`jcfs abv jb}vik* bdk {ai }`jcfs cv d`{ ydkiw {ai }iwc`k `n by{` f`~iw*{ai }`jcfs fbd gi wi~c~ik uc{acd b }iwc`k `n 9 sibwv nw`h {ai kb{i `n ncwv{yd}bck }wihcyh bdk gin`wi {ai kb{i `n hb{ywc{s gs }bshid{ `n nyjj bwwibwv`n }wihcyh {`ei{aiw uc{a cd{iwiv{ bdk vygoif{ {` vyghcvvc`d `n }w``n `nf`d{cdyik cdvywbgcjc{s `n {ai Jcni Bvvywik {` {ai vb{cvnbf{c`d `n {aiF`w}`wb{c`d$ [ai F`w}`wb{c`d wiviw~iv {ai wcea{ {` bffi}{ b{ `wcecdbj {iwhv*bffi}{ b{ wi~cvik {iwhv `w kifjcdi {ai wi~c~bj `n b kcvf`d{cdyik }`jcfs$ [ai

    wi~c~bj `n kcvf`d{cdyik }`jcfs vabjj {bli innif{ `djs bn{iw {ai vbhi cvb}}w`~ik gs {ai F`w}`wb{c`d bdk cv v}ifcncfbjjs f`hhydcfb{ik {` {ai JcniBvvywik$

    [ai Wckiw/v vabjj gi wi~c~ik bj`de uc{a {ai Gbvcf }jbd bdk d`{ cd cv`jb{c`d$

    75

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    3$ ]BCK Y] ^BJYI?

    Cn bn{iw b{ jibv{ {awii nyjj sibwv }wihcyhv ab~i giid }bck bdk bdsvygviryid{ }wihcyh d`{ }bck* {acv }`jcfs vabjj d`{ gi ua`jjs ~`ck bn{iw {aiiq}cws `n {awii sibwv By{` F`~iw ]iwc`k *gy{ vabjj f`d{cdyi bv b }bck y}

    }`jcfs$ [ai Vyh Bvvywik `n {ai }`jcfs vabjj gi wikyfik cd {ai vbhi}w`}`w{c`d bv {ai dyhgiw `n }wihcyhv bf{ybjjs }bck gibwv {` {ai {`{bjdyhgiw `n }wihcyhv v{c}yjb{ik n`w cd {ai }`jcfs * jivv bds vyw~c~bj gidinc{

    }bck$ [acv wikyfik Vyh cv fbjjik {ai }bck y} ~bjyi$

    [ai }`jcfs {aiwibn{iw vabjj gi nwii nw`h bjj jcbgcjc{civ n`w }bshid{ `n {ai}wihcyhv* gy{ vabjj d`{ gi id{c{jik {` {ai ny{ywi g`dyviv$ [ai iqcv{cde ~iv{ikwi~iwvc`dbws g`dyviv* cn bds* ucjj wihbcd b{{bfaik {` {ai wikyfik }bck(y}]`jcfs$ [acv }bck y} ~bjyi vabjj gi }bsbgji `d {ai kb{i `n hb{ywc{s `w b{ JcniBvvywikv }wc`w kib{a$ D` vyw~c~bj gidinc{ vabjj gi }bsbgji ydkiw }bck y}

    }`jcfciv$

    [ai wckiw gidinc{v ucjj fibvi {` b}}js cn {ai }`jcfs cv cd jb}vik f`dkc{c`d bdkucjj d`{ bfrycwi bds }bck y} ~bjyi$

    2=$ VYWWIDKIW BJYI?

    [ai Eybwbd{iik Vywwidkiw ~bjyi ucjj gi b~bcjbgji bn{iw {ai iq}cws `n 6 }`jcfssibwv }w`~ckik {ai }wihcyhv ab~i giid }bck n`w b{ jibv{ {awii sibwv$ [aiEybwbd{iik Vywwidkiw ^bjyi cv irybj {` 6=) `n {ai {`{bj bh`yd{ `n

    }wihcyhv }bck iqfjykcde {ai }wihcyhv }bck n`w {ai ncwv{ sibw* bds }wihcyhv

    }bck {`ubwkv wckiwv* bjj iq{wb }wihcyhv {ab{ hbs ab~i giid }bck jivv {aibh`yd{ `n vyw~c~bj gidinc{v }bck ibwjciw$ [ai fbva ~bjyi `n bds iqcv{cde

    g`dyviv* cn *bds ucjj bjv` gi }bck $F`w}`wb{c`d hbs* a`ui~iw* }bs v}ifcbj vywwidkiw ~bjyi bv {ai kcvf`yd{ik~bjyi `n ]bck y} vyh bvvywik bdk ~iv{ik g`dyv* cn bds* bv b}}jcfbgji `d kb{i`n vywwidkiw* }w`~ckik {ai vbhi cv aceaiw {abd eybwbd{iik vywwidkiw ~bjyi$

    22$ IQFJYVC@DV?Vycfcki? [acv }`jcfs vabjj gi ~`ck cn {ai Jcni Bvvywik f`hhc{v vycfcki

    !uai{aiw vbdi `w cdvbdi b{ {ab{ {chi# b{ bds {chi `d `w bn{iw {ai kb{i `duacfa {ai wcvl ydkiw {ai }`jcfs abv f`hhidfik gy{ gin`wi {ai iq}cws `n `disibw nw`h {ai kb{i `n f`hhidfihid{ `n wcvl ydkiw {ai }`jcfs bdk {aiF`w}`wb{c`d ucjj d`{ id{iw{bcd bds fjbch gs ~cw{yi `n {acv }`jcfs iqfi}{ {` {aiiq{id{ `n b {acwk }bw{sv g`dbncki gidincfcbj cd{iwiv{ bfrycwik cd {ai }`jcfsn`w ~bjybgji f`dvckiwb{c`d `n uacfa d`{cfi abv giid ec~id cd uwc{cde {` {ai

    71

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    gwbdfa uaiwi {ai ]`jcfs cv gicde }wivid{js viw~cfik !uaiwi {ai }`jcfswif`wkv bwi li}{#* b{ jibv{ `di fbjidkbw h`d{a }wc`w {` kib{a$

    27$ F@@JCDE @NN ]IWC@K?

    Cn s`y bwi d`{ vb{cvncik uc{a {ai [iwhv bdk F`dkc{c`dv `n {ai }`jcfs* s`yhbs wi{ywd {ai }`jcfs {` yv uc{acd 29 kbsv$

    GIDINC[V

    B$ Vyw~c~bj Gidinc{v?@d Vyw~c~bj {ai n`jj`ucde gidinc{v bwi }bsbgji?

    N`w 29 Sibwv [iwh7=) `n {ai Vyh Bvvywik }bsbgji b{ {ai idk `n 9 sibwv$7=) `n {ai Vyh Bvvywik }bsbgji b{ {ai idk `n 2= sibwv$>=) `n {ai Vyh Bvvywik }bsbgji {`ei{aiw uc{a ~iv{ik g`dyv* bdk NcdbjBkkc{c`dbj G`dyv* cn bds* b{ {ai idk `n 29 sibwv$

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    i$ Kib{a Gidinc{ `d kib{a gin`wi bddyc{s ~iv{v? @d {ai kib{a `n {ai JcniBvvywik kywcde {ai kiniwhid{ }iwc`k `n {ai }`jcfs* c$i$ gin`wi {ai bddyc{s~iv{v* bd bh`yd{ irybj {` {ai Vyh Bvvywik ydkiw {ai Gbvcf }jbd bj`de uc{a{ai bffwyik Eybwbd{iik Bkkc{c`dv* vch}ji Wi~iwvc`dbws G`dyviv bdk[iwhcdbj G`dyv* cn bds* ucjj gi }bck cd b jyh} vyh {` {ai b}}`cd{ikd`hcdii* }w`~ckik {ai }`jcfs cv cd n`wfi n`w nyjj Vyh Bvvywik$ D`hcdii ucjjbjv` ab~i {ai `}{c`d {` }ywfabvi bd bddyc{s uc{a {acv bh`yd{$

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    D` gidinc{ ucjj gi }bck cd fbvi `n bffckid{bj kib{a `w kcvbgcjc{s kyi {`bffckid{ cd fbvi `n

    b# cd{id{c`dbj vijn(cdoyws* b{{ih}{ik vycfcki* cdvbdc{s `w chh`wbjc{s `w {aiJcni Bvvywik cv ydkiw {ai cdnjyidfi `n cd{`qcfb{cde jcry`w* kwye `w dbwf`{cf*

    g# idebeihid{ cd b~cb{c`d `w biw`dby{cfv `{aiw {abd {ab{ `n b }bvvideiw cdbds bcw fwbn{*f# cdoywciv wivyj{cde nw`h wc`{v* fc~cj f`hh`{c`d* wigijjc`d* ubw* cd~bvc`d*ayd{cde* h`yd{bcdiiwcde* v{ii}ji fabvcde `w wbfcde `n bds lcdk*k# bffckid{ wivyj{ik nw`h f`hhc{{cde bds gwibfa `n jbu$

    61

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    i# bffckid{ bwcvcde nw`h ih}j`shid{ cd bwhik n`wfiv `w hcjc{bws viw~cfiv `w}`jcfi webdcvb{c`d$

    [iwh Bvvywbdfi Wckiw @}{c`d? [iwh Bvvywbdfi bv `}{c`dbj wckiw ucjj gib~bcjbgji ydkiw {acv }jbd$ ]wihcyhv n`w {acv `}{c`d bwi }bsbgji kywcde {ai

    }wihcyh }bscde {iwh bdk bd bh`yd{ irybj {` [iwh Bvvywbdfi Vyh Bvvywikucjj gi }bsbgji `d kib{a kywcde {ai }`jcfs {iwh$ [ai hbqchyh f`~iw n`w{acv wckiw ucjj gi Wv$79 jbla ydkiw bjj }`jcfciv `n {ai Jcni Bvvywik uc{a {aiF`w}`wb{c`d {blid {`ei{aiw$

    Fwc{cfbj Cjjdivv Wckiw @}{c`d? Bd bh`yd{ irybj {` {ai Fwc{cfbj Cjjdivv WckiwVyh Bvvywik bv `}{c`dbj wckiw ucjj gi }bsbgji cd fbvi `n kcbed`vcv `nkincdik fb{ie`wciv `n Fwc{cfbj Cjjdivv vygoif{ {` fiw{bcd {iwhv bdk f`dkc{c`dv$[ai hbqchyh f`~iw n`w {acv wckiw ucjj gi Wv$9 jbla ydkiw bjj }`jcfciv `n {ai

    Jcni Bvvywik uc{a {ai F`w}`wb{c`d {blid {`ei{aiw$

    Cn `}{ik n`w ]wihcyh Ubc~iw Gidinc{* {aid cd fbvi {ai Jcni Bvvywik cvkcbed`vik uc{a bds `n {ai Fwc{cfbj Cjjdivviv f`~iwik ydkiw {ai }`jcfs* {ai{`{bj ny{ywi }wihcyhv cd wiv}if{ `n {ai }`jcfs ucjj gi ubc~ik$ Vyh Bvvywikydkiw bjj vyfa }`jcfciv uc{a {ai F`w}`wb{c`d {blid {`ei{aiw ucjj d`{ iqfiikWv$9 jbla$

    J`bd / Bvvcedhid{?

    D` J`bd/Bvvcedhid{ ucjj gi b~bcjbgji gs {ai F`w}`wb{c`d {` {ai}`jcfsa`jkiwv ydkiw {acv }jbd$

    IQFJYVC@DV?

    Vycfcki? [acv }`jcfs vabjj gi ~`ck cn {ai Jcni Bvvywik f`hhc{v vycfcki!uai{aiw vbdi `w cdvbdi b{ {ai {chi# b{ bds {chi `d `w bn{iw {ai kb{i `d uacfa{ai wcvl ydkiw {ai }`jcfs abv f`hhidfik gy{ gin`wi {ai iq}cws `n `di sibwnw`h {ai kb{i `n f`hhidfihid{ `n wcvl ydkiw {ai }`jcfs bdk {ai F`w}`wb{c`d

    ucjj d`{ id{iw{bcd bds fjbch gs ~cw{yi `n {acv }`jcfs iqfi}{ {` {ai iq{id{ `n b{acwk }bw{sv g`dbncki gidincfcbj cd{iwiv{ bfrycwik cd {ai }`jcfs n`w ~bjybgjif`dvckiwb{c`d `n uacfa d`{cfi abv giid ec~id cd uwc{cde {` {ai `nncfi cduacfa {ai }`jcfs cv gicde viw~cfik* b{ jibv{ `di fbjidkbw h`d{a }wc`w {`kib{a$

    V}ifchid ]wihcyh Wb{iv }iw Wv$2===/( Vyh Bvvywik

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    Vcdeji ]wihcyh

    Bddybj ]wihcyh

    Bei b{

    id{ws

    ]`jcfs [iwh

    2= 29 7= 79 6= 697= ( ( >2>$;= 976$;= ;;>$9= 61;$69

    79 ( 575$6= >25$6= 979$69 ;9=$6= 63=$5=

    6= 19>$;9 571$=9 >23$79 973$;= ;95$;9 ;=2$19

    69 195$2= 56=$2= >76$5= 965$9= ;5=$69 ;7=$1=

    ;= 191$;= 566$19 >62$>= 99=$39 ;3=$39 ;9=$69

    ;9 1>=$5= 5;=$69 >;;$29 952$1= 977$69 (

    9= 1>;$99 59=$;= >>6$6= >=6$2= ( (

    99 1>3$39 5>;$19 >32$7= ( ( (

    >= 151$6= 515$79 ( ( ( (

    >9 137$79 ( ( ( ( (

    ;=

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    GIDINC[ CJJYV[WB[C@D

    Cdvywbdfi Wieyjb{`ws . Ki~ij`}hid{ By{a`wc{s !CWKB# wirycwiv bjj jcnicdvywbdfi f`h}bdciv `}iwb{cde cd Cdkcb {` }w`~cki `nncfcbj cjjyv{wb{c`dv {`{aicw fyv{`hiwv$ [ai cjjyv{wb{c`dv bwi gbvik `d {ai cd~iv{hid{ wb{iv `n wi{ywdvi{ gs {ai Jcni Cdvywbdfi F`ydfcj !f`dv{c{y{ik ydkiw Vif{c`d >;F!b# `n {aiCdvywbdfi Bf{ 2361# bdk cv d`{ cd{idkik {` winjif{ {ai bf{ybj cd~iv{hid{

    wi{ywdv bfaci~ik `w hbs gi bfaci~ik cd ny{ywi gs Jcni Cdvywbdfi F`w}`wb{c`d`n Cdkcb !JCFC#$

    N`w {ai sibw 7==;(=9 {ai {u` wb{iv `n cd~iv{hid{ wi{ywd kifjbwik gs {ai JcniCdvywbdfi F`ydfcj bwi >) bdk 2=) }iw bddyh$

    ]w`kyf{ vyhhbws?

    [acv cv b uc{a(}w`nc{v }idvc`d }jbd uacfa }w`~ckiv n`w kib{a f`~iw kywcde {aikiniwhid{ }iwc`k bdk `d vyw~c~bj {` {ai kb{i `n ~iv{cde* {ai hb{ywc{s

    }w`fiikv bwi f`h}yjv`wcjs {` gi yvik n`w }ywfabvi `n bddyc{s$

    ]wihcyhv?

    ]wihcyhv bwi }bsbgji sibwjs* abjn(sibwjs* rybw{iwjs* h`d{ajs `w {aw`yeaVbjbws kikyf{c`d* bv `}{ik gs s`y* {aw`yea`y{ {ai {iwh `n {ai }`jcfs `w {cjjibwjciw kib{a$ Bj{iwdb{c~ijs* {ai }wihcyh hbs gi }bck cd `di jyh} vyh!vcdeji }wihcyh#$

    i b{ id{ws]`jcfs [iwh

    9 2= 29 7= 79 6=

    ( ( ( 97$;9 ;=$6= 67$69

    ( ( 57$59 97$99 ;=$99 67$59

    ( 226$=9 57$3= 97$3= ;2$=9 66$;9

    762$3= 226$;= 56$;9 96$>= ;7$=9 6;$1=

    767$69 22;$=9 5;$;= 9;$39 ;6$1= 65$=9

    766$=9 229$79 5>$2= 95$29 ;>$>9 ;=$5=

    76;$;9 225$;= 51$19 >=$59 92$6= (

    76>$99 27=$;9 16$=9 >>$;= ( (

    763$99 279$;= 3=$29 ( ( (

    7;9$== 26;$99 ( ( ( (

    ;2

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    [bq Gidinc{v?

    [bq wijcin ydkiw Vif{c`d 1=FFF!2# cv b~bcjbgji `d }wihcyhv }bck ydkiw {acv}`jcfs$

    Eybwbd{iik Bkkc{c`dv kywcde {ai ncwv{ nc~i sibwv?

    [ai }`jcfs }w`~ckiv n`w {ai Eybwbd{iik Bkkc{c`dv b{ {ai wb{i `n Wv$9=/( }iw{a`yvbdk Vyh Bvvywik kywcde ncwv{ nc~i sibwv `n {ai }`jcfs$ [ai Eybwbd{iikBkkc{c`dv bwi }bsbgji bj`de uc{a {ai gbvcf Vyh Bvvywik `d ~iv{cde `w `dibwjciw kib{a$

    G`dyviv bn{iw {ai ncwv{ 9 sibwv?

    [acv cv b uc{a(}w`nc{ }jbd bdk }bw{cfc}b{iv cd {ai }w`nc{v `n {ai F`w}`wb{c`dvjcni cdvywbdfi gyvcdivv bn{iw 9 sibwv$ C{ ei{v b vabwi `n {ai }w`nc{v cd {ai n`wh

    `n g`dyviv$ Vch}ji Wi~iwvc`dbws G`dyviv bwi kifjbwik }iw {a`yvbdk VyhBvvywik bddybjjs b{ {ai idk `n ibfa ncdbdfcbj sibw$ @dfi kifjbwik* {aisn`wh }bw{ `n {ai eybwbd{iik gidinc{v `n {ai }jbd$ B Ncdbj !Bkkc{c`dbj# G`dyvhbs bjv` gi }bsbgji }w`~ckik b }`jcfs abv wyd n`w fiw{bcd hcdchyh }iwc`k$

    Kib{a Gidinc{?

    [ai Vyh Bvvywik bj`de uc{a bffwyik eybwbd{iik bkkc{c`dv bdk ~iv{ikvch}ji wi~iwvc`dbws g`dyviv bdk Ncdbj !Bkkc{c`dbj# G`dyv* cn bds* cv }bsbgjicd b jyh} vyh `d kib{a `n {ai jcni bvvywik kywcde {ai kiniwhid{ }iwc`k `n {ai

    }`jcfs$

    Gidinc{ `d ~iv{cde?

    @d {ai kb{i `n ~iv{cde s`y fbd idfbva y} {` b hbqchyh n 2/6wk `n {aibh`yd{ f`dvcv{cde `n {ai Vyh Bvvywik bj`de uc{a bffwyik eybwbd{iikbkkc{c`dv* ~iv{ik vch}ji wi~iwvc`dbws g`dyviv bdk Ncdbj !Bkkc{c`dbj# G`dyv*cn bds bv b {bq(nwii jyh} vyh$ [ai gbjbdfi bh`yd{ vabjj gi f`h}yjv`wcjsf`d~iw{ik cd{` bd bddyc{s b{ {ai `}{c`d bdk {ai wb{iv b}}jcfbgji b{ {ai {chi `n~iv{cde `n {ai bddyc{s$

    Vy}}jihid{bws/Iq{wb Gidinc{v?

    [aivi bwi {ai `}{c`dbj gidinc{v {ab{ fbd gi bkkik {` s`yw gbvcf }jbd n`w iq{wb}w`{if{c`d/`}{c`d$ Bd bkkc{c`dbj }wihcyh cv wirycwik {` gi }bck n`w {aivigidinc{v$

    Vywwidkiw bjyi?

    ;7

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    Gyscde b jcni cdvywbdfi f`d{wbf{ cv b j`de({iwh f`hhc{hid{$ A`ui~iw*vywwidkiw ~bjyi cv b~bcjbgji `d {ai }jbd `d ibwjciw {iwhcdb{c`d `n {ai f`d{wbf{$

    Eybwbd{iik Vywwidkiw bjyi?

    [ai }`jcfs hbs gi vywwidkiwik n`w fbva bn{iw {ai }`jcfs cv li}{ cd n`wfi gs}bshid{ `n }wihcyhv n`w b{ jibv{ {awii sibwv$ [ai eybwbd{iik vywwidkiw~bjyi b~bcjbgji ydkiw {acv }jbd n`w bjj h`kiv* iqfi}{ {ai vcdeji }wihcyhh`ki* ucjj gi irybj {` 6=) `n {ai {`{bj bh`yd{ `n }wihcyhv }bck iqfjykcde{ai ncwv{ sibwv }wihcyh bdk {ai iq{wb }wihcyhv$ Cd fbvi `n vcdeji }wihcyhh`ki* [ai eybwbd{iik vywwidkiw ~bjyi ucjj gi 3=) `n {ai }wihcyh }bckiqfjykcde bjj iq{wb }wihcyhv$

    F`w}`wb{c`dv }`jcfs d vywwidkiwv?

    Cd }wbf{cfi* {ai F`w}`wb{c`d ucjj }bs b V}ifcbj Vywwidkiw ^bjyi uacfa cv

    ic{aiw irybj {` `w h`wi {abd {ai Eybwbd{iik Vywwidkiw ^bjyi$ [ai gidinc{}bsbgji `d vywwidkiw winjif{v {ai kcvf`yd{ik ~bjyi `n {ai wikyfik fjbchbh`yd{ {ab{ u`yjk gi }bsbgji `d kib{a `w b{ hb{ywc{s$ [acv ~bjyi ucjjki}idk `d {ai kywb{c`d n`w uacfa }wihcyhv ab~i giid }bck bdk {ai }`jcfskywb{c`d b{ {ai kb{i `n vywwidkiw$ Cd v`hi fcwfyhv{bdfiv* iv}ifcbjjs cd fbvi`n ibwjs {iwhcdb{c`d `n {ai }`jcfs* {ai vywwidkiw ~bjyi }bsbgji hbs gi jivv{abd {ai {`{bj }wihcyh }bck$

    [ai F`w}`wb{c`d wi~ciuv {ai vywwidkiw ~bjyi }bsbgji ydkiw c{v }jbdv nw`h{chi {` {chi ki}idkcde `d {ai if`d`hcf id~cw`dhid{* iq}iwcidfi bdk {aiw

    nbf{`wv$

    D`{i? [ai bg`~i cv {ai }w`kyf{ vyhhbws ec~cde {ai lis nib{ywiv `n {ai }jbd$[acv cv n`w cjjyv{wb{c~i }yw}`vi `djs$ [acv k`iv d`{ wi}wivid{ b f`d{wbf{ bdkn`w ki{bcjv }jibvi winiw {` s`yw }`jcfs k`fyhid{$ Nyw{aiw* {ai {bq gidinc{v bwibv }iw }wivid{ [bq Jbuv$

    Gidinc{ Cjjyv{wb{c`d?V{b{y{`ws UbwdcdeV`hi gidinc{v bwi eybwbd{iik bdk v`hi gidinc{v bwi ~bwcbgji uc{a wi{ywdv

    gbvik `d {ai ny{ywi }iwn`whbdfi `n s`yw cdvywiw fbwwscde `d jcni cdvywbdfigyvcdivv$ Cn s`yw }`jcfs `nniwv eybwbd{iik wi{ywdv {aid {aivi ucjj gi fjibwjshbwlik eybwbd{iik cd {ai cjjyv{wb{c`d {bgji `d {acv }bei$ Cn s`yw }`jcfs`nniwv ~bwcbgji wi{ywdv {aid {ai cjjyv{wb{c`dv `d {acv }bei ucjj va`u {u`kcnniwid{ wb{iv `n bvvyhik ny{ywi cd~iv{hid{ wi{ywdv$ [aivi bvvyhik wb{iv`n wi{ywd bwi d`{ eybwbd{iik bdk {ais bwi d`{ y}}iw `w j`uiw jchc{v `n uab{

    ;6

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    s`y hcea{ ei{ gbfl bv {ai ~bjyi `n s`yw }`jcfs cv ki}idkid{ `d b dyhgiw `nnbf{`wv cdfjykcde ny{ywi cd~iv{hid{ }iwn`whbdfi$

    Cjjyv{wb{c`d 2?

    Bei b{ id{ws? 69 sibwv]`jcfs [iwh? 79 sibwv]wihcyh }bscde {iwh? 79 sibwvVyh Bvvywik !Wv$#? 2=====Sibwjs ]wihcyh !Wv$#? ;272

    Idk`n

    sibw

    [`{bj}wihcyhv}bck {cjj

    idk `nsibw

    Gidinc{ }bsbgji `d kib{a / Bh`yd{ b~bcjbgji `dvyw~c~bj y} {` {ai kb{i `n ~iv{cde n`w }ywfabvi `nbddyc{s

    Eybwbd{iik

    ^bwcbgji [`{bj

    Vfidbwc`2

    Vfidbwc`7

    Vfidbwc`2

    Vfidbwc`7

    2 ;*272 2*==*=== = = 2===== 2=====

    7 1*7;7 2*=9*=== = = 2=9=== 2=9===

    6 27*6>6 2*2=*=== = = 22==== 22====

    ; 2>*;1; 2*29*=== = = 229=== 229===

    9 7=*>=9 2*7=*=== = = 27==== 27====

    > 7;*57> 2*79*=== 76== 56== 2756== 2676==5 71*1;5 2*79*=== ;>== 2;>== 273>== 263>==

    1 67*3>1 2*79*=== >3== 723== 2623== 2;>3==

    3 65*=13 2*79*=== 37== 737== 26;7== 29;7==

    2= ;2*72= 2*79*=== 229== 6>9== 26>9== 26>9==

    29 >2*129 2*79*=== 76=== 56=== 2;1=== 231===

    7= 17*;7= 2*79*=== ;19== 2959== 2569== 7179==

    79 2*=6*=79 2*79*=== >69== 7=>=== 2119== 662===

    ;;

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    Cjjyv{wb{c`d 7?

    Bei b{ id{ws? 69 sibwv]`jcfs [iwh? 79 sibwvVyh Bvvywik !Wv$#? 2=====Vcdeji ]wihcyh !Wv$#? 9659=

    Idk`nsibw

    [`{bj}wihcyhv}bck {cjjidk `n

    sibw

    Gidinc{ }bsbgji `d kib{a / Bh`yd{ b~bcjbgji `dvyw~c~bj y} {` {ai kb{i `n ~iv{cde n`w }ywfabvi `nbddyc{s

    Eybwbd{iik

    ^bwcbgji [`{bj

    Vfidbwc`2

    Vfidbwc`7

    Vfidbwc`2

    Vfidbwc`7

    2 96*59= 2*==*=== = = 2===== 2=====

    7 96*59= 2*=9*=== = = 2=9=== 2=9===

    6 96*59= 2*2=*=== = = 22==== 22====

    ; 96*59= 2*29*=== = = 229=== 229===

    9 96*59= 2*7=*=== = = 27==== 27====

    > 96*59= 2*79*=== 79== 27;== 2759== 265;==

    5 96*59= 2*79*=== 9=== 7;1== 26==== 2;31==

    1 96*59= 2*79*=== 59== 657== 2679== 2>77==

    3 96*59= 2*79*=== 2==== ;3>== 269=== 25;>==

    2= 96*59= 2*79*=== 279== >7=== 2659== 215===

    29 96*59= 2*79*=== 79=== 27;=== 29==== 7;3===

    7= 96*59= 2*79*=== 969== 7>1=== 2519== 636===

    79 96*59= 2*79*=== 5==== 69=9== 239=== ;599==

    ;9

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    c# [acv cjjyv{wb{c`d cv b}}jcfbgji {` b d`d(vh`liw hbji/nihbji v{bdkbwk !nw`hhikcfbj* jcni v{sji bdk `ffy}b{c`d }`cd{ `n ~ciu# jcni$

    cc# [ai d`d(eybwbd{iik gidinc{v !2# bdk !7# cd bg`~i cjjyv{wb{c`d bwifbjfyjb{ik v` {ab{ {ais bwi f`dvcv{id{ uc{a {ai ]w`oif{ik Cd~iv{hid{ Wb{i `nWi{ywd bvvyh}{c`d `n >) }$b$!Vfidbwc` 2# bdk 2=) }$b$ !Vfidbwc` 7#wiv}if{c~ijs$ Cd `{aiw u`wkv* cd }wi}bwcde {acv gidinc{ cjjyv{wb{c`d* c{ cvbvvyhik {ab{ {ai ]w`oif{ik Cd~iv{hid{ Wb{i `n Wi{ywd {ab{ JCFC ucjj gi bgji{` ibwd {aw`yea`y{ {ai {iwh `n {ai }`jcfs ucjj gi >) }$b$ `w 2=) }$b$* bv {aifbvi hbs gi$ [ai ]w`oif{ik Cd~iv{hid{ Wb{i `n Wi{ywd cv d`{ eybwbd{iik$

    ccc# [ai hbcd `goif{c~i `n {ai cjjyv{wb{c`d cv {ab{ {ai fjcid{ cv bgji {`b}}wifcb{i {ai nib{ywiv `n {ai }w`kyf{ bdk {ai nj`u `n gidinc{v cd kcnniwid{fcwfyhv{bdfiv uc{a v`hi ji~ij `n rybd{cncfb{c`d$

    c~# Ny{ywi g`dyv ucjj ki}idk `d ny{ywi }w`nc{v bdk bv vyfa cv d`{ eybwbd{iik$A`ui~iw* `dfi g`dyv cv kifjbwik cd bds sibw bdk bkkik {` {ai }`jcfs* {ai

    g`dyv v` bkkik cv eybwbd{iik$

    ~# [ai Hb{ywc{s gidinc{ cv {ai bh`yd{ va`ud b{ {ai idk `n {ai ]`jcfs {iwh$

    ;>

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    YDC[ ]JBDV

    Ydc{ }jbdv bwi cd~iv{hid{ }jbdv n`w {a`vi ua` wibjcvi {ai u`w{a `n abwk(ibwdik h`dis$ [aivi }jbdv aij} s`y vii s`yw vb~cdev scijk wcfa gidinc{vbdk aij} s`y vb~i {bq i~id cn s`y k`d%{ ab~i f`dvcv{id{ cdf`hi$

    Hbwli{ ]jyv C

    ]w nc{ ]jyvH`dis ]jyv(C

    Facjk N w{ydi ]jyv

    Oii~bd Vbb{ac ]jyv

    V]IFCBJ ]JBDV

    JCFv V}ifcbj ]jbdv bwi d`{ }jbdv gy{ `}}`w{ydc{civ {ab{ ld`fl `d s`yw k``w`dfi cd b jcni{chi$ [aivi }jbdv bwi b }iwnif{ gjidk `n cdvywbdfi* cd~iv{hid{bdk b jcni{chi `n ab}}cdivv"

    ;5

    http://www.licindia.in/market_plus_feature.htmlhttp://www.licindia.in/profit_plus_features.htmhttp://www.licindia.in/money_plus1_features.htmhttp://www.licindia.in/children_need_009_features.htmhttp://www.licindia.in/JeevanSaathiPlus_features.htmlhttp://www.licindia.in/market_plus_feature.htmlhttp://www.licindia.in/profit_plus_features.htmhttp://www.licindia.in/money_plus1_features.htmhttp://www.licindia.in/children_need_009_features.htmhttp://www.licindia.in/JeevanSaathiPlus_features.html
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    Oii~bd Dcvfabs

    Diu Gchb E jk

    Aibj{a ]w {if{c d ]jyv

    Gchb Dc~iva 7==9

    Oii~bd Vbwbj

    Oii~bd Hbkayw

    Oii~bd Hbdebj

    ;1

    http://www.licindia.in/Jeevan_Nischay_features.htmlhttp://www.licindia.in/investment_bimagold_features.htmhttp://www.licindia.in/Health_Protection_Plus_features.htmhttp://www.licindia.in/investment_plan_001_features.htmhttp://www.licindia.in/special_plan_001_features.htmhttp://www.licindia.in/jeevan_madhur_plan_010_features.htmhttp://www.licindia.in/JeevanMangal_features.htmlhttp://www.licindia.in/Jeevan_Nischay_features.htmlhttp://www.licindia.in/investment_bimagold_features.htmhttp://www.licindia.in/Health_Protection_Plus_features.htmhttp://www.licindia.in/investment_plan_001_features.htmhttp://www.licindia.in/special_plan_001_features.htmhttp://www.licindia.in/jeevan_madhur_plan_010_features.htmhttp://www.licindia.in/JeevanMangal_features.html
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    ;3

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    ;$2#CDF@HI([BQ BDK [BQ GIDINC[V NW@H JCNI CDVYWBDFI

    BX CDF@HI([BQ WB[IV N@W BVVIVVHID[ SIBW 7=2=(7=22!NCDBDFCBJ SIBW 7==3(7=2=#

    Cdf`hi Vjbgv [bq Wb{ivDcj

    Cdkc~ckybj . AYN

    gij`u bei `n >9sibwv

    U`hbd gij`u bei`n >9 sibwv

    Cdkc~ckybj

    bg`~i bei `n>9 sibwv

    Cdf`hi y}{`Wv$2*>=*===

    Cdf`hi y}{`Wv$2*3=*===

    Cdf`hi y}{`Wv$7*;=*===

    DCJ

    Wv$2*>=*==2 {`Wv$6*==*===

    Wv$2*3=*==2 {`Wv$6*==*===

    Wv$7*;=*==2{`Wv$6*==*===

    2=)

    Wv$6*==*==2 {`Wv$9*==*===

    Wv$6*==*==2 {`Wv$9*==*===

    Wv$6*==*==2{`Wv$9*==*===

    7=)

    Bg`~i Wv$9*==*==2 Bg`~i Wv$9*==*==2 Bg`~iWv$9*==*==2

    6=)

    Ikyfb{c`d Fivv ? Bd bkkc{c`dbj vywfabwei fbjjik bv Ikyfb{c`d Fivv cvji~cik b{ {ai wb{i `n 7) d {ai bh`yd{ `n Cdf`hi {bq bdk vywfabwei !cn bds#cd bjj fbviv vabjj gi ji~cik$Vif`dkbws bdk Aceaiw ? Bd bkkc{c`dbj vywfabwei* fbjjik {ai Vif`dkbws bdkAceaiw Ikyfb{c`d Fivv `d cdf`hi( {bq b{ {ai wb{i `n 2) `n cdf`hi({bq bdk

    vywfabwei !d`{ cdfjykcde {ai Ikyfb{c`d Fivv `d Cdf`hi({bq# cd bjj fbvivvabjj gi ji~cik$

    GX V@HI CH]@W[BD[ CDF@HI [BQ GIDINC[V B^BCJBGJIYDKIW ^BWC@YV ]JBDV @N JCNI CDVYWBDFI BWI ACEAJCEA[IKGIJ@U?

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    ;$2$2# Kikyf{c`d bjj`ubgji nw`h Cdf`hi n`w }bshid{ `n Jcni Cdvywbdfi

    ]wihcyh !Vif$ 1=F#$

    b# Jcni Cdvywbdfi }wihcb }bck cd `wkiw {` innif{ `w {` lii} cd n`wfi bdcdvywbdfi `d {ai jcni `n {ai bvvivvii `w `d {ai jcni `n {ai v}`yvi `w bds facjk`n bvvivvii . cd {ai fbvi `n AYN* }wihcyh }bck `d {ai jcni `n bds hihgiw{aiwi`n* ]w`~ckik }wihcyh }bck cv d`{ cd iqfivv `n 7=) `n fb}c{bj vyhbvvywik$

    g# F`d{wcgy{c`d {` kiniwwik bddyc{s ]jbdv cd `wkiw {` innif{ `w {` lii} cdn`wfi b f`d{wbf{ n`w kiniwwik bddyc{s* `d acv `ud jcni `w {ai jcni `n acv v}`yvi`w bds facjk `n vyfa cdkc~ckybj* }w`~ckik vyfa f`d{wbf{ k`iv d`{ f`d{bcd b

    }w`~cvc`d {` iqiwfcvi bd `}{c`d gs {ai cdvywik {` wific~i b fbva }bshid{ cdjciy `n {ai }bshid{ `n bddyc{s cv ijcecgji n`w kikyf{c`d$

    f# F`d{wcgy{c`d {` ]idvc`d/Bddyc{s ]jbdv Diu Oii~bd Kabwb(C$

    ;$2$7# Oii~bd Dckac ]jbd . Diu Oii~bd Vywblvab C ]jbd !Y/v$ 1=FFF#

    B kikyf{c`d {` bd cdkc~ckybj n`w bds bh`yd{ }bck `w ki}`vc{ik gs ach nw`hacv {bqbgji cdf`hi cd {ai bg`~i bddyc{s }jbdv n`w wific~cde }idvc`d !nw`h{ai nydk vi{ y} gs {ai F`w}`wb{c`d ydkiw {ai ]idvc`d Vfaihi# cvbjj`uik$

    D@[I? [ai }wihcyh fbd gi }bck y}{` Wv$2*==*===/( {` b~bcj kikyf{c`dy/v$1=F* 1=FFF . 1=FFK$ A`ui~iw* {aiwi cv d` vif{`wbj fb} c$i$ {ai jchc{`n Wv$2*==*===/( fbd gi iqabyv{ik gs }bscde }wihcyh ydkiw `n {ai vbckvif{c`dv$

    ;$2$6# Kikyf{c`d ydkiw vif{c`d 1=K

    2$ Kikyf{c`d bjj`ubgji y}{` Wv$29*===/( cn bd bh`yd{ cv }bck {` lii} cdn`wfi bd cdvywbdfi `d aibj{a `n bvvivvii `w acv nbhcjs !c$i$ V}`yvi .facjkwid#

    7$ Bkkc{c`dbj kikyf{c`d y}{ Wv$29*===/( cn bd bh`yd{ cv }bck {` lii} cdn`wfi bd cdvywbdfi `d aibj{a `n }bwid{v

    6$ Cd fbvi `n AYN* kikyf{c`d bjj`ubgji y}{` Wv$29*===/( cn bd bh`yd{ cv}bck {` lii} cd n`wfi bd cdvywbdfi `d aibj{a n bds hihgiw `n {ab{AYN

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    D`{i? Cn {ai vyh v}ifcncik cd !b# `w !g# `w !f# cv }bck {` innif{ `w lii} cdn`wfi bd cdvywbdfi `d {ai aibj{a `n bds }iwv`d v}ifcncik {aiwicd ua` cv bvidc`w fc{czid* {aid {ai kikyf{c`d b~bcjbgji ucjj gi y}{` Wv$7=*===/($

    }w`~ckik {ab{ vyfa cdvywbdfi cv cd bff`wkbdfi uc{a {ai vfaihi nwbhik gsb# {ai Eidiwbj Cdvywbdfi F`w}`wb{c`d `n Cdkcb bv b}}w`~ik gs {ai Fid{wbjE`~iwdhid{ cd {acv giabjn `w#Cdf`hi {bq iqih}{c`d d Hb{ywc{s/Kib{a Fjbchv }w`fiikv ydkiw

    Vif{c`d 2=!2=K#

    Ydkiw {ai }w`~cvc`dv `n vif{c`d 2=!2=K# n {ai Cdf`hi({bq Bf{* 23>2*Hb{ywc{s/Kib{a fjbchv }w`fiikv `n jcni cdvywbdfi }`jcfs* cdfjykcde {ai vyhbjj`fb{ik gs ubs `n g`dyv `d vyfa }`jcfs !`{aiw {abd bh`yd{ {` gi winydkikydkiw Oii~bd Bbkabw Cdvywbdfi ]jbd cd fbvi `n abdkcfb}}ik ki}idkid{

    }wikifibviv {ai cdkc~ckybj `w bh`yd{ wific~ik ydkiw b Lishbd Cdvywbdfi]jbd# cv iqih}{ik nw`h cdf`hi({bq$ A`ui~iw bds vyh !d`{ cdfjykcde {ai

    }wihcyh }bck gs {ai bvvivvii# wific~ik ydkiw bd cdvywbdfi }`jcfs cvvyik `d`w bn{iw {ai 2v{ kbs `n B}wcj* 7==6 cd wiv}if{ `n uacfa {ai }wihcyh }bsbgji

    n`w bds `n {ai sibwv kywcde {ai {iwh `n {ai }`jcfs iqfiikv 7=) `n {ai bf{ybjfb}c{bj vyh bvvywik ucjj d` j`deiw gi iqih}{ik ydkiw {acv vif{c`d$

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    9$2#AIJ] YV [@ VIW^I Y GI[[IW

    9$2$2#Bkhcvvc`d @n Bei?

    Bei cv {ai hbcd gbvcv `n fbjfyjb{c`d `n }wihcyh ydkiw jcni cdvywbdfi}`jcfciv$ [ai n`jj`ucde bwi bffi}{ik bv i~ckidfi `n bei?

    Fiw{cncik iq{wbf{ nw`h Hydcfc}bj `w J`fbj G`ksv wif`wkv hbki b{ {ai{chi `n gcw{a$

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    Fiw{cncfb{i `n Gb}{cvh `w Fiw{cncik Iq{wbf{ nw`h Nbhcjs Gcgji* cn c{f`d{bcdv bei `w kb{i `n gcw{a$

    Fiw{cncik Iq{wbf{ nw`h Vfa``j `w F`jjiei wif`wkv* cn bei `w kb{i `ngcw{a cv v{b{ik {aiwicd$

    Fiw{cncik Iq{wbf{ nw`h Viw~cfi Wiecv{iw cd {ai fbvi `n E`~{$ih}j`siiv bdk ih}j`siiv `n Rybvc(E`~{$ Cdv{c{y{c`dv `w

    ]bvv}`w{ cvvyik gs {ai ]bvv}`w{ By{a`wc{civ cd Cdkcb$

    9$2$7#]bshid{ @n ]wihcyh?

    Gs fbva* j`fbj fairyi !vygoif{ {` wibjczb{c`d `n fairyi#* KihbdkKwbn{ b{ Gwbdfa @nncfi$

    [ai KK bdk fairyiv `w H`dis @wkiw hbs gi vid{ gs }`v{$ S`y fbd }bs s`yw }wihcyhv b{ bds `n `yw Gwbdfaiv bv 33) `n `yw

    Gwbdfaiv bwi di{u`wlik$ Hbds Gbdlv k` bffi}{ v{bdkcde cdv{wyf{c`dv {` wihc{ {ai }wihcyhv$

    V` gs }w`~ckcde b v{bdkcde cdv{wyf{c`d {` s`yw Gbdl {` kigc{ s`ywbff`yd{ n`w {ai }wihcyh bh`yd{ bdk vidk c{ ~cki b gbdliwv fairyi {`JCF* `d {ai kyi kb{iv bdk h`d{av hid{c`dik `d s`yw }`jcfs g`dk$

    [aw`yea Cd{iwdi{ ? ]bshid{ `n }wihcyhv fbd gi hbki {aw`yeaCd{iwdi{ {aw`yea Viw~cfi ]w`~ckiwv ~cz$AKNF Gbdl* CFCFC Gbdl*[chiv `n H`dis* Gcjj Oydf{c`d* Y[C Gbdl* Gbdl `n ]ydobg* Fc{cgbdl*F`w}`wb{c`d Gbdl* Nikiwbj Gbdl bdk GcjjKivl$

    ]wihcyh }bshid{ fbd bjv` gi hbki {aw`yea B[Hv `n F`w}`wb{c`d

    Gbdl bdk Y[C Gbdl$ ]wihcyh }bshid{ fbd bjv` gi hbki {aw`yea Ijif{w`dcf Fjibwcde

    Viw~cfi !IFV# uacfa abv giid jbydfaik b{ Hyhgbc* Askiwbgbk*Faiddbc* L`jlb{b* Diu Kijac* Lbd}yw* Gbdebj`wi* ^cobsubkb* ]b{db*Obc}yw* Fabdkcebwa* [wc~bdkwyh* Bahikbgbk* ]ydi* E`b bdk Dbe}yw*Vifydkiwbgbk . ^cvblab}b{dbh$ B }`jcfsa`jkiw ab~cde bd bff`yd{ cdbds Gbdl uacfa cv b Hihgiw `n {ai j`fbj Fjibwcde A`yvi fbd `}{ n`wIFV kigc{ {` }bs }wihcyhv$ [ai }`jcfsa`jkiwv ucvacde {` yvi {acvvsv{ih u`yjk ab~i {` ncjj y} b Hbdkb{i N`wh b~bcjbgji b{ `yw

    Gwbdfaiv/K@ bdk ei{ c{ fiw{cncik gs {ai Gbdl$ [ai fiw{cncik Hbdkb{iN`whv bwi {` gi vyghc{{ik {` `yw G@/K@$

    ]`jcfs fbd gi bdsuaiwi cd Cdkcb$

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    Fc{cgbdl Lc`vlv b{ Cdkyv{wcbj Bvvywbdfi Gycjkcde* Faywfaeb{i* DiuCdkcb Gycjkcde* Vbd{bfwyz* Oii~bd Vaclab Gycjkcde* G`wc~cjc bwikikcfb{ik n`w f`jjif{c`d `n }wihcyhv {aw`yea fairyiv$

    9$2$6#Kbsv @n Ewbfi?

    ]`jcfsa`jkiw va`yjk }bs {ai }wihcyhv `d kyi kb{iv$ A`ui~iw* b ewbfi}iwc`k `n `di h`d{a gy{ d`{ jivv {abd 6= kbsv ucjj gi bjj`uik n`w}bshid{ n sibwjs/abjn(sibwjs/rybw{iwjs }wihcyhv bdk 29 kbsv n`wh`d{ajs }wihcyhv$

    Uaid {ai kbsv `n ewbfi iq}cwi `d b Vydkbs `w b }ygjcf a`jckbs* {ai}wihcyh hbs gi }bck `d {ai n`jj`ucde u`wlcde kbs {` lii} {ai }`jcfscd n`wfi$

    Cn {ai }wihcyh cv d`{ }bck gin`wi {ai iq}cws `n {ai kbsv `n ewbfi* {ai

    }`jcfs jb}viv$

    9$2$;#Wi~c~bj @n Jb}vik ]`jcfs?

    Cn {ai }`jcfs abv jb}vik* c{ fbd gi wi~c~ik kywcde {ai jcni {chi `n {aijcni bvvywik* uc{acd b }iwc`k `n nc~i sibwv nw`h {ai kb{i `n {ai ncwv{yd}bck }wihcyh gy{ gin`wi {ai kb{i `n hb{ywc{s vygoif{ {` fiw{bcdf`dkc{c`dv$

    [ai F`w}`wb{c`d `nniwv {awii f`d~idcid{ vfaihiv `n wi~c~bj ~cz$*@wkcdbws Wi~c~bj* V}ifcbj Wi~c~bj bdk Cdv{bjjhid{ Wi~c~bj$ ]`jcfciv

    fbd bjv` gi wi~c~ik ydkiw J`bd(fyh(Wi~c~bj bdk VG(fyh(Wi~c~bjvfaihiv$

    Wiryiv{ n`w wi~c~bj hbs gi hbki {` {ai Gwbdfa @nncfi viw~cfcde {ai}`jcfs$

    Fabdei @n Bkkwivv Bdk [wbdvniw @n ]`jcfs Wif`wkv?

    [ai }`jcfsa`jkiw va`yjk chhikcb{ijs cd{chb{i {ai fabdei `n acv/aiwbkkwivv {` {ai Gwbdfa @nncfi viw~cfcde {ai }`jcfs$ [ai f`wwif{ bkkwivvnbfcjc{b{iv gi{{iw viw~cfi bdk rycfliw vi{{jihid{ `n fjbchv$

    ]`jcfs wif`wkv fbd bjv` gi {wbdvniwwik nw`h `di Gwbdfa @nncfi {`bd`{aiw n`w viw~cfcde* bv wiryiv{ik gs {ai }`jcfsa`jkiw$

    9$2$9#J`vv @n ]`jcfs K`fyhid{?

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    [ai ]`jcfs K`fyhid{ cv bd i~ckidfi `n {ai f`d{wbf{ gi{uiid {aiCdvywiw bdk {ai Cdvywik$ Aidfi {ai }`jcfsa`jkiw va`yjk }wiviw~i {ai]`jcfs G`dk {cjj {ai f`d{wbf{ik bh`yd{ ydkiw c{ cv vi{{jik$

    J`vv `n {ai ]`jcfs K`fyhid{ va`yjk gi chhikcb{ijs cd{chb{ik {` {aiGwbdfa @nncfi uaiwi c{ cv viw~cfik$

    9$2$>#J`bdv?

    J`bdv bwi ewbd{ik `d }`jcfciv {` {ai iq{id{ `n 3=) `n Vywwidkiw ^bjyi`n {ai }`jcfciv uacfa bwi cd n`wfi bdk 19) `n {ai Vywwidkiw ^bjyi cdfbvi `n }`jcfciv uacfa bwi }bck(y}* cdfjyvc~i `n {ai fbva ~bjyi `n

    g`dyv$ [ai wb{i `n cd{iwiv{ fabweik b{ }wivid{ cv 3) }$b$ }bsbgji abjn(sibwjs$

    J`bdv bwi d`{ ewbd{ik n`w b }iwc`k va`w{iw {abd vcq h`d{av$ [ai

    F`dkc{c`dv bdk ]wc~cjieiv }wcd{ik `d {ai gbfl `n {ai ]`jcfs G`dkv{b{iv uai{aiw b }bw{cfyjbw }`jcfs cv uc{a `w uc{a`y{ {ai j`bd nbfcjc{s$

    9$2$5#Wijcin [` ]`jcfsa`jkiwv?

    [ai F`w}`wb{c`d eidiwbjjs bjj`uv f`dfivvc`dv `d }bshid{ `n}wihcyhv* vi{{jihid{ `n fjbchv* cvvyi `n ky}jcfb{i }`jcfciv* i{f uaid{ai }`jcfsa`jkiw bwi bnnif{ik gs db{ywbj fbjbhc{civ vyfa bv kw`yea{v*fsfj`div* nj``kv* ibw{arybliv* i{f$

    9$2$1#D`hcdb{c`d?

    D`hcdb{c`d cv b wcea{ f`dniwwik `d {ai a`jkiw `n b ]`jcfs `n JcniBvvywbdfi `d acv `ud jcni {` b}}`cd{ b }iwv`d/v {` wific~i }`jcfsh`disv cd {ai i~id{ `n {ai }`jcfs gif`hcde b fjbch gs {ai bvvywikvkib{a$ [ai D`hcdii k`iv d`{ ei{ bds `{aiw gidinc{ iqfi}{ {` wific~i{ai }`jcfs h`disv `d {ai kib{a `n {ai Jcni Bvvywik$ B d`hcdb{c`dhbs gi fabdeik `w fbdfijjik gs {ai jcni bvvywik uaidi~iw ai jclivuc{a`y{ {ai f`dvid{ `n {ai D`hcdii$Idvywi d`hcdb{c`d iqcv{v cd {ai }`jcfs n`w ibvs vi{{jihid{ `n fjbchv$

    9$2$3#Bvvcedhid{?

    Bvvcedhid{ hibdv {wbdvniw `n wcea{v* {c{ji bdk cd{iwiv{$ Uaid bdbvvcedhid{ cv iqify{ik* bjj wcea{v* {c{ji bdk cd{iwiv{ cd wiv}if{ `n {ai

    }w`}iw{s bvvcedik bwi chhikcb{ijs {wbdvniwwik {` {ai Bvvcedii/v bdk

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    {ai Bvvcedii/v gif`hi {ai `udiw/v `n {ai }`jcfs vygoif{ {` bds jbunyjf`dkc{c`d hbki cd {ai bvvcedhid{$

    Bvvcedhid{ fbd gi ic{aiw f`dkc{c`dbj `w bgv`jy{i$ @d bvvcedhid{!`{aiw {abd {` JCF#* D`hcdb{c`d by{`hb{cfbjjs v{bdkv fbdfijjik$Aidfi* uaid vyfa b }`jcfs cv wibvvcedik* {ai }`jcfsa`jkiw ucjj ab~i {`hbli b nwiva d`hcdb{c`d {` b~`ck kijbs cd vi{{jihid{ `n fjbch$

    9$2$2=#Vyw~c~bj Gidinc{/Hb{ywc{s Fjbchv?

    JCF vi{{jiv vyw~c~bj gidinc{/hb{ywc{s fjbchv `d `w gin`wi {ai kyi kb{i$ ]`jcfsa`jkiw bwi cd{chb{ik uijj cd bk~bdfi gs {ai Gwbdfa @nncfi

    uacfa viw~cfiv {ai }`jcfs wiebwkcde {ai }bshid{* bdk {ai difivvbwsKcvfabwei ^`yfaiw cv bjv` vid{ n`w iqify{c`d gs {ai bvvywik$ Cd fbvi{ai }`jcfsa`jkiw k`iv d`{ ei{ bds cd{chb{c`d nw`h {ai Gwbdfa @nncfi

    f`dfiwdik* ai/vai va`yjk f`d{bf{ {aih* ry`{cde {ai ]`jcfs Dyhgiw$ Vyw~c~bj Gidinc{ }bshid{ y} {` Wv$>=*===/( bwi vi{{jik uc{a`y{

    cdvcv{cde n`w ]`jcfs G`dk bdk Kcvfabwei ^`yfaiw$

    9$2$22#Kib{a Fjbchv?

    Cn {ai jcni bvvywik kciv kywcde {ai {iwh `n {ai }`jcfs* kib{a fjbchbwcviv$ [ai kib{a `n {ai }`jcfsa`jkiw va`yjk gi chhikcb{ijs cd{chb{ikcd uwc{cde {` {ai Gwbdfa @nncfi uaiwi {ai }`jcfs cv viw~cfik bj`de uc{a{ai n`jj`ucde }bw{cfyjbwv?

    2$ [ai D`$/v `n {ai } jcfs/civ7$ [ai dbhi `n {ai }`jcfsa`jkiw6$ Kib{a Fiw{cncfb{i cvvyik gs f`dfiwdik By{a`wc{s;$ [ai kb{i n kib{a9$ [ai fbyvi `n kib{a bdk>$ Fjbchbd{v wijb{c`dvac} uc{a {ai kifibvik

    @d wific}{ `n {ai cd{chb{c`d `n kib{a* difivvbws fjbch n`whv bwi vid{gs {ai Gwbdfa @nncfi n`w f`h}ji{c`d bj`de uc{a cdv{wyf{c`dv wiebwkcde{ai }w`fikywi {` gi n`jj`uik gs {ai fjbchbd{$

    [ai fjbchv uacfa ab~i bwcvid bn{iw b }iwc`k `n {awii sibwv bwi {wib{ikbv d`d(ibwjs fjbchv bdk vi{{jik uc{acd 6= kbsv nw`h {ai kb{i `n wific}{`n bjj wirycwihid{v$

    [ai fjbchv {ab{ ab~i bwcvid uc{acd b }iwc`k `n {u` sibwv nw`h {ai kb{i`n f`hhidfihid{ `n {ai }`jcfs* bwi {wib{ik bv ibwjs fjbchv bdkcd~iv{ceb{c`d cv f`h}yjv`ws cd vyfa fbviv$

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    [ai fjbch cv yvybjjs }bsbgji {` {ai d`hcdii/bvvcedii `w {ai jiebjaicwv* bv {ai fbvi hbs gi$ A`ui~iw* cn {ai kifibvik }`jcfsa`jkiw abvd`{ d`hcdb{ik/bvvcedik {ai }`jcfs `w cn ai/vai abv d`{ hbki b vyc{bgji

    }w`~cvc`d wiebwkcde {ai }`jcfs h`disv gs ubs `n b Ucjj* {ai fjbch cv}bsbgji {` {ai a`jkiw `n b Vyffivvc`d Fiw{cncfb{i `w v`hi vyfai~ckidfi `n {c{ji nw`h b F`yw{ `n Jbu$

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