More Related Content Similar to Sbeul17.2020 (20) More from hicheel2020 (20)
Sbeul16.2020 2021 Sbeul16.2020 2021
hicheel2020 ?
?§Û§Ý §Ñ§Ø§Ú§Ý§Ý§Ñ§Ô§Ñ§Ñ§ß§í §ï§â§ã§Õ§ï§Ý §ß§î §Ù?§Ó§ç?§ß §ß§ï§Ô §ä?§â§Ý§Ú§Û§ß §Ò§å§ã, §à§Ý§à§ß §ç?§é§Ú§ß §Ù?§Û§Ý§ï§ï§ã §ê§Ñ§Ý§ä§Ô§Ñ§Ñ§Ý§Ñ§ß ??§ã§Õ§ï§Ô. §¿§â§ã§Õ§ï§Ý ??§ã§Ô§ï§Ô§é §ç?§é§Ú§ß §Ù?§Û§Ý??§Õ §ß§î §Ñ§Ø§Ú§Ý§ä§Ñ§ß, §Ñ§Ý§Ò§Ñ§ß §ç§Ñ§Ñ§Ô§é§Ú§Õ, §ä§Ö§ç§ß§à§Ý§à§Ô§Ú, §Ô§Ñ§Õ§Ñ§Ñ§Õ §à§â§é§ß§í §ß?§Ý
S11a S11a
hicheel2020 ?
1. The seminar discusses various types of loans including personal and mortgage loans. It provides details on the calculation of interest rates for different loan types and factors affecting credit scores.
2. Sample questions are provided to test understanding of key concepts around loans, assets, liabilities, interest rates and credit scoring.
3. The document appears to be materials for a seminar or training on banking products like loans, liabilities, assets and credit evaluation.
Seminar5a Seminar5a
hicheel2020 ?
Îĵµ°üº¬ÁË2018ºÍ2019Á½ÄêµÄ²ÆÎñÊý¾Ý£¬°üÀ¨¸÷ÀàÊÕÈëºÍÖ§³öµÄÏêϸÐÅÏ¢¡£²»Í¬ÏîÄ¿µÄÊÕÈë¡¢·ÑÓúÍÊÕÒæ±»Áгö£¬ÇÒ·ÖÎöÁËÕûÌ徼ñíÏÖ¡£»ã×ÜÊý¾Ý½ÒʾÁËÕûÌå²ÆÎñ×´¿öµÄ±ä»¯¼°ÖØÒªÇ÷ÊÆ¡£
1. §µ§§³ §°§²§¯§½ §¿§²§³§¥§¿§
1. §µ§Ý§ã §à§â§ß§í §ï§â§ã§Õ§ï§Ý§Ú§Û§ß §ä§å§ç§Ñ§Û
2. §µ§Ý§ã§í§ß §ï§â§ã§Õ§ï§Ý§Ú§Û§ß ?§ß§ï§Ý§Ô§ï§ï
3. §®§à§ß§Ô§à§Ý §å§Ý§ã§í§ß §Ù§ï§â§ï§Ô§Ý§ï§Ý
4. §µ§Ý§ã§í§ß §ï§â§ã§Õ§ï§Ý§Ú§Û§Ô §Ò§å§å§â§å§å§Ý§Ñ§ç
2. 1. §µ§Ý§ã §à§â§ß§í §ï§â§ã§Õ§ï§Ý§Ú§Û§ß §ä§å§ç§Ñ§Û
§¥§ï§Ý§ç§Ú§Û §ß§Ú§Û§ä §Ô§Ý§à§Ò§Ñ§Ý§é§Ý§Ñ§Ô§Õ§Ñ§ç§í§ß §ç§ï§â§ï§ï§â §Ô§Ñ§Õ§Ñ§Ñ§Õ §à§â§ß§í
§å§Ý§ã §ä?§â§Ú§Û§ß §Ò§à§Õ§Ý§à§Ô§à §Ò§à§Ý§à§ß §ï§Õ§Ú§Û§ß §Ù§Ñ§ã§Ô§Ú§Û§ß §ß?§ç§è?§Ý
§Ò§Ñ§Û§Õ§Ý§í§ß ??§â§é§Ý?§Ý§ä??§ã §ê§Ñ§Ý§ä§Ô§Ñ§Ñ§Ý§Ñ§ß §Ò§Ñ§ß§Ü§ß§í §Ô§Ñ§Õ§Ñ§Ñ§Õ
§Ó§Ñ§Ý§ð§ä§í§ß §á§à§Ù§Ú§è§Ú§Û§ß ?§ß§ï§Ý§Ô§ï§ï§ß§Õ §à§â§à§ç ??§â§é§Ý?§Ý§ä??§ã
§ç?§Ý§ï§ï§Ø §Ò§à§Ý§Ù§à§ê§Ô?§Û §Ñ§Ý§Õ§Ñ§Ô§Õ§Ý§í§Ô §å§Ý§ã§í§ß §ï§â§ã§Õ§ï§Ý §Ô§ï§ß§ï.
§µ§Ý§ã§í§ß §ï§â§ã§Õ§ï§Ý §ß§î §Ò§Ñ§ß§Ü§ß§í §Ô§Ñ§Õ§Ñ§Ñ§Õ ?§Û§Ý §Ñ§Ø§Ú§Ý§Ý§Ñ§Ô§Ñ§Ñ§ß§í §Ò?§ç
§ç?§â§ï§ï§Ô §ç§Ñ§Þ§â§Ñ§ç §Ò§Ñ §Ô§Ñ§Õ§Ñ§Ñ§Õ §à§â§à§ß §Õ§Ñ§ç§î §ß§Ú§Û§Ô§ï§Þ, §å§Ý§ã §ä?§â,
§ï§Õ§Ú§Û§ß §Ù§Ñ§ã§Ñ§Ô, §Ù§Ñ§ç §Ù§ï§ï§Ý§Ú§Û§ß §ß?§ç§è?§Ý §Ò§Ñ§Û§Õ§Ñ§Ý
??§â§é§Ý?§Ô§Õ§ã?§ß??§ã §Ò§Ñ§ß§Ü§ß§í §ã§Ñ§ß§ç?? §ä?§Ý§Ò?§â§Ú§Û§ß §é§Ñ§Õ§Ó§Ñ§â§í§ß
§Ò§Ñ§Û§Õ§Ñ§Ý§Õ §ã?§â§Ô??§â §ß?§Ý??§Ý§Ø §Ò§à§Ý§Ù§à§ê§Ô?§Û.
3. §³§Ñ§ß§ç??§Ô§Ú§Û§ß §Ò§Ñ§Û§Ô§å§å§Ý§Ý§Ñ§Ô§å§å§Õ§í§ß §Ù?§Ó§ç?§ß §Ô§Ñ§Õ§Ñ§Ñ§Õ §Ñ§Ü§ä§Ú§Ó,
§á§Ñ§ã§ã§Ú§Ó§í§ß §ç?§â§ï§ï§Ô§ï§ï§â §ç§ñ§Ù§Ô§Ñ§Ñ§â§Ý§Ñ§Ô§Õ§Ñ§ç§Ô?§Û §Ò?§Ô??§Õ
§ã§Ñ§ß§ç??§Ô§Ú§Û§ß §Ò§Ñ§Û§Ô§å§å§Ý§Ý§Ñ§Ô§Ñ §Ô§Ñ§Õ§Ñ§Ñ§Õ§Ñ§Õ §Ò§Ñ§Û§Ô§å§å§Ý§ã§Ñ§ß ??§â§Ú§Û§ß
§ß§ï§Ô§Ø§Õ§ï§ï §ç?§â?§ß§Ô? §à§â§å§å§Ý§Ñ§Ý§ä §ç§Ú§Û§ç, §è§Ñ§ç§Ú§Þ §ã?§Ý§Ø§ï§ï§Ô
§Ñ§ê§Ú§Ô§Ý§Ñ§Ø §ä?§Ý§Ò?§â §ä§à§à§è§à§à§Ô §Ô?§Û§è§ï§ä§Ô§ï§ç, §Ô§Ñ§Õ§Ñ§Ñ§Õ§í§ß
§ä?§ß§ê??§Õ§ä§ï§Û §ç§Ñ§Þ§ä§â§Ñ§ß §Ñ§Ø§Ú§Ý§Ý§Ñ§ç §Ù§ï§â§ï§Ô §ß§î §ä§å§ç§Ñ§Û§ß §Ô§Ñ§Õ§Ñ§Ñ§Õ
§à§â§ß§í §ç§ï§â§ï§Ô§Ø??§Ý§Ø §Ò§Ñ§Û§Ô§Ñ§Ñ §Ò§à§Õ§Ý§à§Ô§à, §ß?§ç§è?§Ý §Ò§Ñ§Û§Õ§Ñ§Ý§ä§Ñ§Û
§Ù§ï§â§ï§Ô§è§ï§ß §ï§â§ã§Õ§ï§Ý§Ú§Û§Ô §Ñ§Ô§å§å§Ý§Õ§Ñ§Ô.
4. §µ§Ý§ã§í§ß §ï§â§ã§Õ§ï§Ý§Õ §Ô§Ñ§Õ§Ñ§Ñ§Õ §Ù§ï§ï§Ý, §ç?§â?§ß§Ô? §à§â§å§å§Ý§Ñ§Ý§ä§í§ß,
§ê§Ú§Ý§Ø??§Ý§Ô§Ú§Û§ß §Ò§à§Ý§à§ß §Ò§å§ã§Ñ§Õ §Ô§ï§Ø §Ñ§ß§Ô§Ú§Ý§Ñ§ß ?§Ù§ß§ï.
? §¤§Ñ§Õ§Ñ§Ñ§Õ §Ù§ï§ï§Ý, §ç?§â?§ß§Ô? §à§â§å§å§Ý§Ñ§Ý§ä§í§ß §ï§â§ã§Õ§ï§Ý §Ô§ï§Õ§ï§Ô§ä
§ã§Ñ§ß§ç??§Ô§Ú§Û§ß §Ò§Ñ§Û§Ô§å§å§Ý§Ý§Ñ§Ô§Ñ §Ô§Ñ§Õ§Ñ§Ñ§Õ §à§â§ß§í §Ù§ï§ï§Ý§Õ§ï§Ô§é§Ú§Õ
§à§Ý§Ô§à§ã§à§ß §Ù§ï§ï§Ý, §Ô§Ñ§Õ§Ñ§Ñ§Õ§í§ß §Ü§à§Þ§á§Ñ§ß§Ú§Û§ß §Ô§Ñ§â§Ô§Ñ§ã§Ñ§ß ?§ß§ï§ä
§è§Ñ§Ñ§ã§Ñ§ß§Õ §ç§Ú§Û§ã§ï§ß §ç?§â?§ß§Ô? §à§â§å§å§Ý§Ñ§Ý§ä §ß§î §ä§å§ç§Ñ§Û§ß §å§Ý§ã
§à§â§ß§í §ï§Õ§Ú§Û§ß §Ù§Ñ§ã§Ñ§Ô, §å§Ý§ã §ä?§â, §ß§Ú§Û§Ô§Þ§Ú§Û§ß §Ò§Ñ§Û§Õ§Ý§Ñ§Ñ§ã
§ê§Ñ§Ý§ä§Ô§Ñ§Ñ§Ý§Ñ§ß §ç§å§Ô§Ñ§è§Ñ§Ñ§ß§Õ§Ñ§Ñ §ä?§Ý?§Ô§Õ?§ç§Ô?§Û §Ò§Ñ§Û§ç §ï§â§ã§Õ§ï§Ý§Ú§Û§Ô
§ç§ï§Ý§ß§ï.
5. ? §º§Ú§Ý§Ø??§Ý§Ô§Ú§Û§ß §ï§â§ã§Õ§ï§Ý §Ô§ï§Õ§ï§Ô §ß§î §Ñ§Ý§Ú§Ó§Ñ§Ñ §å§Ý§ã
§ç§à§à§â§à§ß§Õ§í§ß §ä?§Ý§Ò?§â §ä§à§à§è§à§à, §Þ?§ß§Ô?§ß §Ô§å§Û§Ó§å§å§Ý§Ô§í§Ô
§ê§Ú§Ý§Ø??§Ý§ï§ç§ï§Õ ??§ã§ï§ç §Ñ§Ý§Ú§Ó§Ñ§Ñ §å§Ý§ã §ä?§â, §ï§Õ§Ú§Û§ß §Ù§Ñ§ã§Ñ§Ô
§ß§Ú§Û§Ô§Þ§Ú§Û§ß §ç?§é§Ú§ß §Ù?§Û§Ý§ã§ï§ï§ã §ê§Ñ§Ý§ä§Ô§Ñ§Ñ§Ý§Ñ§ß §Ô§Ñ§Õ§Ñ§Ñ§Õ
§ê§Ú§Ý§Ø??§Ý§Ô§ï§ï §Ô?§Û§è§ï§ä§Ô§Ô§ï§ç§ï§Õ §Ô§Ñ§â§Ñ§ç §ï§â§ã§Õ§ï§Ý§Ú§Û§Ô §ç§ï§Ý§ß§ï.
? §¢§å§ã§Ñ§Õ §ï§â§ã§Õ§ï§Ý§Õ §Ò§Ñ§ß§Ü§ß§í §Ô§Ñ§Õ§Ñ§Ñ§Õ ?§Û§Ý §Ñ§Ø§Ú§Ý§Ý§Ñ§Ô§Ñ§Ñ
§ñ§Ó§Ñ§Ô§Õ§Õ§Ñ§Ô §à§â§ß§å§å§Õ§í§ß §å§Ý§ã §ä?§â §Ò§à§Ý§à§ß §ï§Õ§Ú§Û§ß §Ù§Ñ§ã§Ô§Ú§Û§ß
§ç?§é§Ú§ß §Ù?§Û§Ý§ã§ï§ï§ã §ê§Ñ§Ý§ä§Ô§Ñ§Ñ§Ý§Ñ§ß ?§ß§ï§Ý§Ô§ï§ï §ß§î ??§â§é§Ý?§Ô§Õ?§ç
§Ô§Ñ§Õ§Ñ§Ñ§Õ §á§à§Ù§Ú§è§Ú§Û§ß §Ù§Ñ§â§Ú§Þ §ç§ï§ã§Ô§Ú§Û§Ô §ç§Ñ§Þ§Ñ§Ñ§â§å§å§Ý§Ñ§ç §Ò?§Ô??§Õ
§ï§Õ§Ô§ï§ï§â §ç?§é§Ú§ß §Ù?§Û§Ý§ã§ï§Õ §ä§å§ç§Ñ§Û§ß §Ô§Ñ§Õ§Ñ§Ñ§Õ §à§â§ß§í §ç?§â§Ó?§ç
§é§Ñ§Õ§Ó§Ñ§â, §Ù§Ñ§ç §Ù§ï§ï§Ý§Ú§Û§ß, §ä?§Ó§Ý?§â§Ý§Ú§Û§ß §Ù§ï§â§ï§Ô §ï§â§ã§Õ§ï§Ý??§Õ§Ú§Û§Ô
§ç§Ñ§Þ§Ñ§Ñ§â§å§å§Ý§ß§Ñ.
6. §¤§Ñ§Õ§Ñ§Ñ§Õ §á§à§Ù§Ú§è§Ú§Õ §Ù§ï§ï§Ý §ç§Ñ§Õ§Ô§Ñ§Ý§Ñ§Þ§Ø, ?§ß§ï§ä §è§Ñ§Ñ§ã, §ï§Ý§Õ§ï§Ó
§ä?§â§Ý§Ú§Û§ß ?§â §ä?§Ý§Ò?§â, §Ò§å§è§Ñ§Ñ§ß ?§Ý §Õ§å§å§Õ§Ñ§Ô§Õ§Ñ§ç §Ñ§Ü§Ü§â§Ö§Õ§Ú§Ô§Ú§Ó,
§ã§Ñ§ß§ç??§Ô§Ú§Û§ß §Õ§Ö§â§Ú§Ó§Ñ§ä§Ú§Ó§å§å§Õ §Ù§ï§â§ï§Ô §ä§ï§ß§è§Ý§Ú§Û§ß §Ò§à§Ý§à§ß
§ä§ï§ß§è§Ý§Ú§Û§ß §Ô§Ñ§Õ§å§å§â §Ò?§â§ä§Ô§ï§Ô§Õ§ã§ï§ß §Ò?§ç §ä?§â§Ý§Ú§Û§ß ?§Ô§Ý?§Ô
§Ñ§Ó§Ý§Ñ§Ô§å§å§Õ§í§Ô §ç§Ñ§Þ§â§å§å§Ý§Ñ§ç §Ò?§Ô??§Õ §ä§ï§Õ§Ô§ï§ï§â §ß§î §ä§å§ã §Ò?§â§ä§ï§ï
§å§Ý§ã§í§ß §ï§â§ã§Õ§ï§Ý§Ú§Û§Ô §Ñ§Ô§å§å§Ý§Ø §Ò§Ñ§Û§Õ§Ñ§Ô.
§´§å§ç§Ñ§Û§ß §å§Ý§ã§í§ß §Ó§Ñ§Ý§ð§ä§Ñ§Ñ§â §Ú§Ý§ï§â§ç§Ú§Û§Ý§ï§Ô§Õ§ã§ï§ß §Ô§Ñ§Õ§Ñ§Ñ§Õ
§Ó§Ñ§Ý§ð§ä§í§ß §á§à§Ù§Ú§è§Ú §ß§î §å§Ý§ã§í§ß §ç?§â§Ó?§ç §é§Ñ§Õ§Ó§Ñ§â§í§ß §ï§â§ã§Õ§ï§Ý§ï§ï§ã
§Ô§Ñ§Õ§ß§Ñ §ê§Ú§Ý§Ø??§Ý§Ô§Ú§Û§ß, §Ù§ï§ï§Ý§Ú§Û§ß, §Ù§Ñ§ç §Ù§ï§ï§Ý§Ú§Û§ß, ?§Û§Ý
§Ñ§Ø§Ú§Ý§Ý§Ñ§Ô§Ñ§Ñ§ß§í §Ù§ï§â§ï§Ô §ï§â§ã§Õ§ï§Ý§Ú§Û§ß §Ò?§ç §ä?§â§Ý§Ú§Û§Ô ??§â§ä??
§ê§Ú§ß§Ô§ï§ï§ã§ï§ß §Ò§Ñ§Û§Õ§Ñ§Ô.
7. §¥§à§ä§à§à§Õ§í§ß §Ò§à§Ý§à§ß §Ô§Ñ§Õ§Ñ§Ñ§Õ§í§ß §Ù§ï§ï§Ý§Ú§Û§ß §ï§â§ã§Õ§ï§Ý§Ú§Û§ß §ñ§Ý§Ô§Ñ§Ñ
§©§ï§ï§Ý§Ú§Û§ß §ï§â§ã§Õ§ï§Ý §Ò§à§Ý§à§ß §å§Ý§ã§í§ß §Ù§ï§ï§Ý§Ú§Û§ß §ï§â§ã§Õ§ï§Ý§Ú§Û§ß §ñ§Ý§Ô§Ñ§Ñ§Ô
§Ñ§Ó§é ?§Ù§ï§ç§Ú§Û§ß §ä§å§Ý§Õ §Ù§ï§ï§Ý§Ú§Û§Ô §ä?§Ý?§ç §é§Ñ§Õ§Ó§Ñ§â§Ô?§Û, §ä?§Ý?§ç??§ã
§ä§Ñ§ä§Ô§Ñ§Ý§Ù§Ñ§Ø §Ò§å§Û §ñ§Þ§Ñ§â §ß§ï§Ô §Õ§à§ä§à§à§Õ§í§ß §Ü§à§Þ§á§Ñ§ß§Ú§Û§Ô §Ñ§Ó§é ?§Ù§î§Ö.
§¿§ß§ï §ä§à§ç§Ú§à§Ý§Õ§à§Ý§Õ §Ù§ï§ï§Ý§Õ§ï§Ô§é §ß§î §Ù§ï§ï§Ý§Ú§Û§ß §ç??§ß§Ú§Û §Ò§à§Ý§à§ß
?§ß§Õ§ã§ï§ß §ä?§Ý§Ò?§â §Ù§ï§â§ï§Ô §Ù§ï§ï§Ý§Ú§Û§ß §Ô§ï§â§ï§ï§ß§Ú§Û §ß?§ç§è§Ý§Ú§Û§Ô
??§â§é§Ý?§ç§Ú§Û§Ô §ï§â§Þ§ï§Ý§Ù§Õ§ï§Ô.
§¿§è§ã§Ú§Û§ß §Õ?§ß§Õ §ï§ß§ï §ä?§Ý§Ò?§â§Ú§Û§ß §é§Ñ§Õ§Ó§Ñ§â§Ô?§Û §Ò§Ñ§Û§Õ§Ñ§Ý §ç§ï§Ó§ï§ï§â
?§â§Ô§ï§Ý§Ø§Ú§Ý§Ò§ï§Ý §ä§å§ç§Ñ§Û§ß §Ò§Ñ§Û§Ô§å§å§Ý§Ý§Ñ§Ô§í§ß §ç?§â?§ß§Ô§Ú§Û§Ô §ç§å§â§Ñ§Ñ§ç§Ñ§Õ
§ç?§â§Õ§ï§Ô.
8. §¡§Þ§Ö§â§Ú§Ü§Ú§Û§ß §Ò§Ñ§ß§Ü §®§Ö§Ü§ã§Ú§Ü§Ú§Û§ß §ç§å§Ó§Ú§Û§ß §Ü§à§â§á§à§â§Ñ§è§Ú§Õ
§Õ§à§Ý§Ý§Ñ§â§í§ß §Ù§ï§ï§Ý §à§Ý§Ô§à§ã§à§ß §Ø§Ú§ê§ï§ï§Ô §Ñ§Ó§é ?§Ù§î§Ö.
§´§å§ç§Ñ§Û§ß §Ü§à§â§á§à§â§Ñ§è§Ú §ß§î §Ù§ï§â§ï§Ô§Ý§ï§Ý §ã§Ñ§Û§Ô§Ñ§Û §Ò?§Ô??§Õ §Ù§ï§ï§Ý§Ú§Û§ß
§ä?§Ý§Ò?§â?? §Ò§Ñ§Û§ß§Ô§Ñ §è§Ñ§Ô§ä §ß§î §ç§Ú§Û§Ø §Ú§â§ã§ï§ß, §ç§Ñ§â§Ú§ß
§®§Ö§Ü§ã§Ú§Ü§Ú§Û§ß §Ù§Ñ§ã§Ô§Ú§Û§ß §Ô§Ñ§Ù§â§í§ß §Õ§à§Ý§Ý§Ñ§â§í§ß §ß??§è §Ò§à§Ý§à§ß
§ï§Õ§Ú§Û§ß §Ù§Ñ§ã§Ô§Ú§Û§ß §Ò§Ñ§Û§Õ§Ñ§Ý §ß§î §Þ§å§å §Ò§Ñ§Û§Ô§Ñ§Ñ §Ô§ï§Ø ?§Ù§î§Ö.
§ª§Û§Þ §ä§à§ç§Ú§à§Ý§Õ§à§Ý§Õ §®§Ö§Ü§ã§Ú§Ü§Ú§Û§ß §Ù§Ñ§ã§Ô§Ú§Û§ß §Ô§Ñ§Ù§â§Ñ§Ñ§ã §Ô§Ñ§Õ§Ñ§Ñ§Õ
§ç?§â?§ß§Ô? §à§â§å§å§Ý§Ñ§Ô§é§Õ§Ñ§Õ §Ù§ï§ï§Ý§Ú§Û§ß §ï§â§Ô§ï§ß §ä?§Ý?§Ý§ä§Ú§Û§Ô
§Õ§à§Ý§Ý§Ñ§â§Ñ§Ñ§â §ç§Ú§Û§ç§Ú§Û§Ô §ç§à§â§Ú§Ô§Ý§à§Õ§à§Ô §Ò?§Ô??§Õ ??§ß§Ú§Û §å§Ý§Þ§Ñ§Ñ§ã
§®§Ö§Ü§ã§Ú§Ü§Ú§Û§ß §Ü§à§â§á§à§â§Ñ§è§Ú §Ù§ï§ï§Ý§ï§ï §Õ§à§Ý§Ý§Ñ§â§Ñ§Ñ§â §ä?§Ý?§ç
§Ò§à§Ý§à§Þ§Ø§Ô?§Û §Ò§à§Ý§ß§à.
9. §´§å§ç§Ñ§Û§ß |§¬§à§â§á§à§â§Ñ§è§Ú§Û§ß §Ù§ï§ï§Ý§Ú§Û§ß §ï§â§ã§Õ§ï§Ý §ã§Ñ§Û§ß §Ò§Ñ§Û§Ý§Ñ§Ñ §é
§Õ§ï§ï§â§ç §Ò§Ñ§Û§Õ§Ý§Ñ§Ñ§ã §Ò§à§Ý§à§à§Õ §Ù§ï§ï§Ý§Õ§ï§Ô§é §Ù§ï§ï§Ý§Ú§Û§ß §ä?§Ý§Ò?§â?? §ç§Ú§Û§ç
§é§Ñ§Õ§Ó§Ñ§â§Ô?§Û §Ò§à§Ý§ß§à.
§®§Ö§Ü§ã§Ú§Ü§Ú§Û§ß §Ù§Ñ§ã§Ô§Ú§Û§ß §Ô§Ñ§Ù§â§í§ß §å§Ô §ê§Ú§Û§Õ§Ó§ï§â §å§Ý§ã§í§ß
§ï§â§ã§Õ§ï§Ý§Ú§Û§ß §ß§ï§Ô§ï§ß §ä§à§ç§Ú§à§Ý§Õ§à§Ý §Ò?§Ô??§Õ §å§Ô §Ù§ï§ï§Ý§Õ§ï§Ô§é§Ú§Û§ß
§ä?§Ý§Ò?§â§Ú§Û§ß §é§Ñ§Õ§Ó§Ñ§â§Ñ§Ñ§ã ?§Ý §ç§Ñ§Þ§Ñ§Ñ§â§é §Ò§Ñ§Û§ß§Ñ.
§¥§ï§ï§â§ç§ï§ï§ã ?§Ù§ï§ç§ï§Õ §Ô§Ñ§Õ§Ñ§Ñ§Õ§Ñ§Õ §Ù§ï§ï§Ý §à§Ý§Ô§à§ç§Õ§à§à §ç§à§×§â ?§Ö §ê§Ñ§ä§ä§Ñ§Û
§à§Ý§Ô§à§Ó§à§Ý §Ò§à§Ý§à§Þ§Ø§ä§à§Û §ð§Þ.
??§ß§Õ:
10. 1. §¿§ß§Ô§Ú§Û§ß §Ù§ï§ï§Ý§Ú§Û§ß §ß§ï§Ô§ï§ß §Ñ§Õ§Ú§Ý §Ù§ï§ï§Ý§Õ§ï§Ô§é§Ú§Û§ß §Ù§ï§ï§Ý§ï§ï
§ä?§Ý?§ç §é§Ñ§Õ§Ó§Ñ§â§í§Ô §ä§à§Ô§ä§à§à§ç, ??§ß§Õ, §ä§å§ç§Ñ§Û§ß §ä§à§ç§Ú§à§Ý§Õ§à§Ý§Õ
§ä§à§ç§Ú§â§à§ç §ç§ï§Þ§Ø§ï§ï§ß§Ú§Û §ï§â§ã§Õ§Ý§Ú§Û§ß §ß§ï§Þ§ï§Ô§Õ§ï§Ý §Þ?§ß §Ù§ï§ï§Ý§Ú§Û§ß
§Õ§ï§ï§Õ §ç§ñ§Ù§Ô§Ñ§Ñ§â§í§Ô §ä§à§Ô§ä§à§à§ç.
2. §©§ï§ï§Ý§Õ??§Ý§ï§Ô§é §Ù§ï§ï§Ý§Õ§ï§Ô§é§Ú§Û§ß §à§â§ê§Ú§ß §Ò§å§Û §à§â§ß§í §Ù§Ñ§ã§Ô§Ú§Û§ß
§Ô§Ñ§Ù§â§í§ß §ï§â§ã§Õ§ï§Ý§Ú§Û§ß §é§Ñ§ß§Ñ§â§í§Ô §ä§à§Ô§ä§à§à§ç §ç§ï§â§ï§Ô§ä§ï§Û. §·§ï§â§ï§Ó
§Ù§ï§ï§Ý§Õ§ï§Ô§é§Ú§Û§ß §Ù§ï§ï§Ý§Ú§Û§ß §ï§â§ã§Õ§ï§Ý §Ò§à§Ý§à§ß §é§Ñ§ß§Ñ§â §ß§î §ã§Ñ§Û§ß §é
§Ù§Ñ§ã§Ô§Ú§Û§ß §Ô§Ñ§Ù§â§í§ß §ï§â§ã§Õ§ï§Ý§Ú§Û§Ô §Þ§å§å §Ô§ï§Ø §ä§à§Ô§ä§à§à§Ó§à§Ý
§Ù§ï§ï§Ý§Ú§Û§Ô §à§Ý§Ô§à§ç §ç§ï§â§ï§Ô§Ô?§Û §Ò§à§Ý§ß§à.
11. §¤§Ñ§Õ§Ñ§Ñ§Õ §Ù§ï§ï§Ý §à§Ý§Ô§à§ç, §Ô§Ñ§Õ§Ñ§Ñ§Õ §Ò§à§ß§Õ §ç§å§Õ§Ñ§Ý§Õ§Ñ§ß §Ñ§Ó§Ñ§ç §ç?§â?§ß§Ô?
§à§â§å§å§Ý§Ñ§Ý§ä§í§ß §ê§Ú§Û§Õ§Ó§ï§â §Ô§Ñ§â§Ô§Ñ§Ý§ä§Ñ§Õ §ä§å§ç§Ñ§Û§ß §å§Ý§ã§í§ß
§ï§â§ã§Õ§ï§Ý§Ú§Û§Ô §ç§Ñ§â§Ô§Ñ§Ý§Ù§Ñ§ç §×§ã§ä§à§Û.
§´§å§ç§Ñ§Û§ß §à§â§ß§í §å§Ý§ã§í§ß §Ò§à§Ý§à§ß §ç§å§Ó§Ú§Û§ß §ç§ï§Ó§ê§Ý§Ú§Û§ß
§Ò§Ñ§Û§Ô§å§å§Ý§Ý§Ñ§Ô§å§å§Õ§í§ß §Ñ§Ó§ã§Ñ§ß §Ù§ï§ï§Ý§Õ §ç§à§×§â §ä?§â§Ý§Ú§Û§ß §Ñ§â§Ô§Ñ
§ç§ï§Þ§Ø§ï§ï§Ô §Ñ§Ó§é §Ò§à§Ý§ß§à.
? §©§ï§ï§Ý§Ú§Û§ß ?§â§Ú§Û§Ô §ç?§é§Ú§ß§Ô?§Û §Ò§à§Ý§Ô§à§ç. §°§Õ§à§à§Ô§Ú§Û§ß §Ò§à§Ý§à§ß
§Ú§â§ï§ï§Õ?§Û§ß §Ô§Ñ§Õ§Ñ§Ñ§Õ§í§ß §Ù§ï§ï§Ý §Ò§à§Ý§à§ß ??§â§Ú§Û§ß §ç?§â?§ß§Ô§Ú§Û§ß
??§â§Ô§Ú§Û§Ô §ç?§é§Ú§ß§Ô?§Û §Ò§à§Ý§Ô§à§ß§à.
§¥§ï§Ý§ç§Ú§Û§ß §ç§à§×§â§Õ§å§Ô§Ñ§Ñ§â §Õ§Ñ§Û§ß§Ñ§Ñ§ã §ç§à§Û§ê §·§ñ§ä§Ñ§Õ§Ñ§Õ 1944, §¬§å§Ò§Ñ§Õ 1961,
§·§à§Û§Õ §³§à§Ý§à§ß§Ô§à§ã§ä 1964 §à§ß§Õ §ï§ß§ï §Ñ§â§Ô§Ñ §ç§ï§Þ§Ø§ï§ï§Ô §Ñ§Ó§é §Ò§Ñ§Û§ã§Ñ§ß.
12. ? §©§ï§ï§Ý§Ú§Û§ß §Ô§ï§â§ï§ï§ß§Ú§Û §ß?§ç§è§Ý§Ú§Û§Ô ??§â§é§Ý?§ç.
§¿§ß§ï §ß§î §Ù§Ñ§ã§Ô§Ú§Û§ß §Ô§Ñ§Ù§â§í§ß §ï§â§ã§Õ§ï§Ý§Ú§Û§ß §ç§Ñ§Þ§Ô§Ú§Û§ß §ä?§Ô§ï§ï§Þ§ï§Ý
§ç§ï§Ý§Ò§ï§â §Ò§Ñ§Û§ã§Ñ§ß.
??§â??§â §ç§ï§Ý§Ò§ï§Ý, §ä§å§ç§Ñ§Û§ß §å§Ý§ã §à§Õ§à§à§Ô§Ú§Û§ß §Ò§à§Ý§à§ß §Ú§â§ï§ï§Õ?§Û§ß
?§â §Ù§ï§ï§Ý§Ú§Û§ß ??§â§Ô§ï§ï §ç§à§Û§ê§Ý§å§å§Ý§Ñ§ç §ä§å§ç§Ñ§Û §ê§Ú§Û§Õ§Ó§ï§â
§Ô§Ñ§â§Ô§Ñ§ã§ß§í§ç§Ñ§Ñ §Õ§Ñ§â§Ñ§Ñ§Ô§Ñ§Ñ§â §Ô§ï§â§ï§ï§ß§Ú§Û§ç§ï§ï §ß?§ç§è§Ý??§Õ §Õ§à§ä§à§â
§Ù§ï§ï§Ý§Ú§Û§Ô §ä?§Ý§Ø §Õ§å§å§ã§Ñ§ç §ç§å§Ô§Ñ§è§Ñ§Ñ, §Ù§ï§ï§Ý§Ú§Û§ß §ç?? §Ù§ï§â§Ô§Ú§Û§Ô
§ç?§ß§Ô?§Ý?§ç §Ñ§â§Ô§Ñ §Ù§Ñ§Þ§í§Ô §ç§Ñ§Û§Õ§Ñ§Ô §Ò?§Ô??§Õ §Ù§ï§ï§Ý§Ú§Û§ß ?§ß§Õ§ã§ï§ß
§Ò§à§Ý§à§ß §ç??§ß§Ú§Û §ä?§Ý§Ò?§â §Ù§ï§â§ï§Ô §Ù§ï§ï§Ý§Ú§Û§ß §ß?§ç§è§Ý§Ú§Û§Ô ??§â§é§Ú§Ý§Ø,
§ç§å§Ô§Ñ§è§Ñ§Ñ§Ô §ç§à§Û§ê§Ý§å§å§Ý§Õ§Ñ§Ô.
13. 2.§µ§Ý§ã§í§ß §ï§â§ã§Õ§ï§Ý§Ú§Û§ß ?§ß§ï§Ý§Ô§ï§ï
§µ§Ý§ã§í§ß §ï§â§ã§Õ§ï§Ý§Ú§Û§Ô ?§ß§ï§Ý§ï§ç§ï§Õ §ã§Ñ§ß§ç??§Ô§Ú§Û§ß §Ò§Ñ§Û§Ô§å§å§Ý§Ý§Ñ§Ô§å§å§Õ
§ß§î §Ô§Ñ§Õ§Ñ§Ñ§Õ §ê§Ú§ß§Ø§Ú§Ý§Ô§ï§ï§Ô, §Þ?§ß ??§â§Ú§Û§ß §Õ§à§ä§à§à§Õ§í§ß
?§ß§ï§Ý§Ô§ï§ï§ß§Ú§Û §Ù§Ñ§Ô§Ó§Ñ§â§í§Ô §Ñ§ê§Ú§Ô§Ý§Ñ§Ø §Ò§à§Ý§ß§à.
§®§ï§Õ§ï§ï§Ø §ï§è§ã§Ú§Û§ß ?§ß§ï§Ý§Ô§ï§ï§Ô §Ô§Ñ§â§Ô§Ñ§ç§Ñ§Õ §å§Ý§ã§í§ß §ï§â§ã§Õ§ï§Ý§Ú§Û§ß
§ï§ã§â§ï§Ô §Ñ§Ó§é §Ò§Ñ§Û§Ô§Ñ§Ñ §Ñ§â§Ô§Ñ §ç§ï§Þ§Ø§ï§ï§ß??§Õ §ß§î §Õ§Ñ§ß§Ô§Ñ§Ñ§â§Ñ§Ñ
§ç§Ñ§ß§Ô§Ñ§Ý§ä§Ô?§Û §Ò§Ñ§Û§Õ§Ñ§Ô §å§é§â§Ñ§Ñ§ã §ç§ï§Õ §ç§ï§Õ§ï§ß §Ñ§â§Ô§í§Ô §ç§Ñ§Ó§ã§â§Ñ§ß
§Ñ§ê§Ú§Ô§Ý§Ñ§ç §ß§î §Ù?§Û§ä§ï§Û.
14. §·?§â§Ó?§ç §é§Ñ§Õ§Ó§Ñ§â, §ï§â§ã§Õ§ï§Ý §ç?§Ý§ï§ï§ç §é§Ñ§Õ§Ó§Ñ§â§í§ß §ä§Ñ§Ý§Ñ§Ñ§â §à§Ý§à§ß
§å§Ý§ã§í§ß §ç§ï§Þ§Ø§ï§ï§ß§Õ §ß§ï§â §ç?§ß§Õ §Ò?§ç§Ú§Û §Ò§Ñ§Û§Ô§å§å§Ý§Ý§Ñ§Ô§å§å§Õ§Ñ§Ñ§ã
§Ô§Ñ§â§Ô§Ñ§ã§Ñ§ß §å§Ý§ã §à§â§ß§å§å§Õ§í§ß §Ù§ï§â§ï§Ô§Ý§ï§Ý, §ñ§Ý§Ñ§ß§Ô§å§ñ§Ñ §ä§å§ç§Ñ§Û§ß §å§Ý§ã§Ñ§Õ
§Ú§ç §ç§ï§Þ§Ø§ï§ï§ß§Ú§Û §Ô§Ñ§Õ§Ñ§Ñ§Õ §á§à§Ù§Ú§è§Ú§ä§à§Û §Ò§Ñ§ß§Ü§Ú§ß§Õ §ç§Ú§Û§Ô§Õ§ã§ï§ß
§Ù§ï§â§ï§Ô§Ý§ï§Ý §Ù§ï§â§ï§Ô §ß§î §Þ§ï§Õ§ï§ï§Ý§ï§Ý §à§Ý§Ø §Ñ§Ó§Ñ§ç §ç§Ñ§Þ§Ô§Ú§Û§ß §ã§Ñ§Û§ß
§ã§å§Ó§Ñ§Ô §Ò§à§Ý§Ø ?§Ô§Õ?§Ô.
15. §¤§ï§ç§Õ§ï§ï §Ò§Ñ§ß§Ü§ß§í §Õ§à§ä§à§à§Õ §Ù§ï§â§ï§Ô§Ý§ï§Ý §Ò§à§Ý§à§ß §Ò§å§ã§Ñ§Õ
§Ò§Ñ§Û§Ô§å§å§Ý§Ý§Ñ§Ô§å§å§Õ§í§ß §Ù§ï§â§ï§Ô§è??§Ý§Ø §Ò§à§Ý§à§ç§å§Û§è §ã§ä§Ñ§ß§Õ§Ñ§â§ä§å§å§Õ§í§ß
§ç§à§à§â§à§ß§Õ §Ú§ç §ç§ï§Þ§Ø§ï§ï§ß§Ú§Û §Ù?§â?? §Ò§Ñ§Û§Ô§Ñ§Ñ §ä§à§ç§Ú§à§Ý§Õ§à§Ý§Õ §å§Ô
§Ù?§â??§ß§Ú§Û §ê§Ñ§Ý§ä§Ô§Ñ§Ñ§ß§í§Ô §ä§à§Ô§ä§à§à§ç §ß§î §ï§â§ã§Õ§ï§Ý§Ú§Û§Ô §ç§ñ§ß§Ñ§ç
§ç§ï§Þ§Ø§Ú§Ô§Õ§ï§ç??§ß§Ú§Û §é§Ñ§ß§Ñ§â §Ò§à§Ý§à§ß §Ò§Ñ§ß§Ü§ß§í §Õ§à§ä§à§à§Õ §Ñ§Ý§Ú§Ó§Ñ§Ñ
§Ñ§ê§Ú§Ô §ã§à§ß§Ú§â§ç§à§Ý§í§ß §Ù?§â§é§Ú§Ý§Õ??§ß??§ã §Ù§Ñ§Û§Ý§ã§ç§Ú§Û§ç§ï§Õ §é§å§ç§Ñ§Ý §Ñ§é
§ç§à§Ý§Ò§à§Ô§Õ§à§Ý§ä§à§Û.
§µ§Ý§ã§í§ß §ï§â§ã§Õ§ï§Ý§Ú§Û§Ô ?§ß§ï§Ý§Õ§ï§Ô ?§ß§ï§Ý§Ô§ï§ï§ß§Ú§Û §Ù§Ñ§Ô§Ó§Ñ§â§å§å§Õ§í§Ô §Ñ§Ó§é
?§Ù§î§Ö
16. 1.§¥§à§ä§à§à§Õ ?§ß§ï§Ý§Ô§ï§ï§ß§Ú§Û §Ù§Ñ§Ô§Ó§Ñ§â§å§å§Õ
§·§Ñ§Þ§Ô§Ú§Û§ß §ß§Ú§Û§ä§Ý§ï§Ô §ç§Ñ§ß§Õ§Ý§Ñ§Ô§Ñ §ß§î §ï§Õ§Ú§Û§ß §Ù§Ñ§ã§Ô§Ú§Û§ß §ç§Ñ§â§î§è§Ñ§Ñ§ß§Õ
§ã§å§å§â§Ú§Ý§ã§Ñ§ß §å§Ý§ã§í§ß §ï§â§ã§Õ§Ý§Ú§Û§ß ?§ß§ï§Ý§Ô§ï§ï§ß§Ú§Û §Ù§Ñ§Ô§Ó§Ñ§â§å§å§Õ§í§Ô
§ç?§Ô§Ø??§Ý§ï§ç §ñ§Ó§Õ§Ñ§Ý.
§¿§Õ§Ú§Û§ß §Ù§Ñ§ã§Ô§Ú§Û§ß §Ô§à§Ý §ç§Ñ§â§î§è§Ñ§Ñ§ß §Õ§ï§ï§â §ã§å§å§â§Ú§Ý§ã§Ñ§ß §å§Ý§ã §à§â§ß§í
§Ù§Ñ§ã§Ô§Ú§Û§ß §Ô§Ñ§Ù§â§í§ß §ï§â§ã§Õ§ï§Ý§Ú§Û§ß ?§ß§ï§Ý§Ô§ï§ï§ß§Ú§Û §Ù§Ñ§Ô§Ó§Ñ§â§å§å§Õ§í§Ô
§ç?§Ô§Ø??§Ý§ï§ç §Ò§à§Ý§ã§à§ß.
§³§Ñ§ß§ç??§Ô§Ú§Û§ß §Ò§Ñ§Û§Ô§å§å§Ý§Ý§Ñ§Ô§í§ß §ê§Ú§ß§Ø§ï§ï§é §ß§î §ä§å§ç§Ñ§Û§ß §à§â§ß§í
§Ù§ï§ï§Ý§Ú§Û§ß §ß?§ç§è§Ý§Ú§Û§Ô ??§â§é§Ý?§ç §Ò§à§Ý§à§Þ§Ø§Ú§Û§Ô §ä§Ñ§Û§Ý§Ò§Ñ§â§Ý§Ñ§ç§Ñ§Õ
§é§å§ç§Ñ§Ý §Ò§Ñ§Û§Ø §Ò§à§Ý§à§ç §Þ§Ñ§Ü§â§à §Þ§Ú§Ü§â§à §ï§Õ§Ú§Û§ß §Ù§Ñ§ã§Ô§Ú§Û§ß §é§å§ç§Ñ§Ý
§ç§ï§Þ§Ø§Ú§Ô§Õ§ï§ç??§ß §Ò§à§Ý§à§ß §ç§Ñ§â§î§è§Ñ§Ñ§ß§í §è§à§Ô§è§í§Ô §ã§à§ß§Ô§à§Ø §Ñ§Ó§ß§Ñ.
17. §¥§Ñ§â§Ñ§Ñ §ß§î §Ù§ï§ï§Ý§Ú§Û§ß §ß?§ç§è§Ý?? ??§â§é§Ú§Ý§ã?§ß §Ò§à§Ý§à§ß ??§â§é§Ý??§Ô?§Û
§à§â§ß§å§å§Õ§í§Ô §ç§Ñ§Þ§Ô§Ú§Û§ß §ã§Ñ§Û§ß §ñ§Ý§Ô§Ñ§Ø §Ò§å§Û §ç§å§Ó§î§ã§Ñ§ç
§ç§ï§Þ§Ø§Ú§Ô§Õ§ï§ç??§ß§Ú§Û§Ô §ä§à§Õ§à§â§ç§à§Û§Ý§à§ç§Õ§à§à §ï§Õ§Ô§ï§ï§â §à§â§ß§å§å§Õ§í§ß
?§ß§Ô?§â§ã?§ß §Þ§ï§Õ§ï§ï§Ý§Ý§Ú§Û§Ô §Ñ§ê§Ú§Ô§Ý§Ñ§ß§Ñ.
§©§Ñ§ã§Ô§Ú§Û§ß §Ô§Ñ§Ù§â§í§ß §ï§â§ã§Õ§ï§Ý§Ú§Û§ß §Þ§Ñ§Ô§Ñ§Õ§Ý§Ñ§Ý§í§ß §Ù§Ñ§Ô§Ó§Ñ§â§ä
§ç§Ñ§Þ§Ô§Ú§Û§ß §ß§Ú§Û§ä§Ý§ï§Ô §Ñ§ê§Ú§Ô§Ý§Ñ§Ô§Õ§Õ§Ñ§Ô §ç§å§Ó§î§ã§Ñ§ç
§ç§ï§Þ§Ø§Ú§Ô§Õ§ï§ç??§ß??§Õ§Ú§Û§Ô §Ñ§Ó§é ?§Ù§î§Ö.
1. §©§ï§ï§Ý§Ú§Û§ß ?§Û§Ý§é§Ú§Ý§Ô§ï§ï§ß§Ú§Û §ç§Ñ§â§î§è§Ñ§Ñ
2. §ª§Þ§á§à§â§Ô§í§ß §ç§Ñ§â§î§è§Ñ§Ñ
3. §·?§â?§ß§Ô? §à§â§å§å§Ý§Ñ§Ý§ä§í§ß §ç§Ñ§â§î§è§Ñ§Ñ
4. §¿§Ü§ã§á§à§â§ä§í§ß §à§â§Ý§à§Ô§í§ß §Ó§Ñ§â§Ú§Ñ§è
18. §¿§ß§ï §Ñ§â§Ô§Ñ§é§Ý§Ñ§Ý §ß§î §ã§Ñ§ß§ç??§Ô§Ú§Û§ß §Ò§Ñ§Û§Ô§å§å§Ý§Ý§Ñ§Ô§å§å§Õ§í§ß
§ç§ï§â§ï§Ô§Ý§ï§Ø §Ò§Ñ§Û§ã§Ñ§ß §å§Ý§ã §à§â§ß§í §ï§â§ã§Õ§ï§Ý§Ú§Û§ß §ê§Ú§ß§Ø§Ú§Ý§Ô§ï§ï§ß§Ú§Û
§Ù§Ñ§Ô§Ó§Ñ§â§í§ß §ç§Ñ§Þ§Ô§Ú§Û§ß §ß§Ú§Û§ä§Ý§ï§Ô §ç§ï§Ý§Ò§ï§â §Ò§Ñ§Û§ã§Ñ§ß §Ò§à§Ý§à§Ó§é
§Õ§à§ä§â§à§à §Þ§Ñ§ê §à§Ý§à§ß §Ñ§ã§å§å§Õ§Ñ§Ý§ä§Ñ§Û.
§·?§ß§Õ§Ý?§ß§Ô§Ú§Û§ß ?§ß§ï§Ý§Ô§ï§ï§Ô §Ñ§ê§Ú§Ô§Ý§Ñ§ç §ß§î §è§Ñ§Ô §ç§å§Ô§Ñ§è§Ñ§Ñ §Ò§à§Ý§à§ß
§Ù§Ñ§â§Õ§Ý§í§ß §ç§å§Ó§î§Õ §Þ§Ñ§ê §ç§ï§Þ§ß§ï§Ý§ä§ä§ï§Û §Ò§Ñ§Û§Õ§Ñ§Ô.
§®?§ß §Ô§Ñ§â§ã§Ñ§ß ?§â §Õ?§ß §ß§î §Ò§à§Õ§Ú§Ô §Ò§Ñ§Û§Õ§Ñ§Ý§ä§Ñ§Û §ß§Ú§Û§è§ï§ç §Ò§Ñ§Û§Õ§Ñ§Ý
§ß§î §Ú§ç §Ò§Ñ§Û§Õ§Ñ§Ô.
19. §³§ä§Ñ§ä§Ú§Ô§Ú§Ü§Ú§Û§ß §Ù§Ñ§Ô§Ó§Ñ§â§å§å§Õ §ß§î §Þ§ï§Õ§ï§ï§Ý§ï§Ý §è§å§Ô§Ý§å§å§Ý§Ñ§ç, §Õ?§ß
§ê§Ú§ß§Ø§Ú§Ý§Ô§ï§ï §ç§Ú§Û§ç§ï§Õ §ß§ï§Ý§ï§ï§Õ §Ú§ç §è§Ñ§Ô §ç§å§Ô§Ñ§è§Ñ§Ñ §ê§Ñ§Ñ§â§Õ§Õ§Ñ§Ô.
§´§Ú§Û§Þ§ï§ï§ã §ç?§ß§Õ§Ý?§ß§Ô§Ú§Û§ß ?§ß§ï§Ý§Ô§ï§ï§ß§Ú§Û §Ù§Ñ§Ô§Ó§Ñ§â§í§Ô §Ñ§ê§Ú§Ô§Ý§Ñ§ç
§ß§î §ä§à§ç§Ú§â§à§Þ§Ø§ä§à§Û §Ò§Ñ §ê§Ñ§Ñ§â§Õ§Ý§Ñ§Ô§Ñ§ä§Ñ§Û §ä§à§ç§Ú§à§Ý§Õ§à§Ý§Õ §Õ§à§ä§à§à§Õ
?§ß§ï§Ý§Ô§ï§ï§ß§Ú§Û §Ù§Ñ§Ô§Ó§Ñ§â§å§å§Õ§í§Ô §Ñ§ê§Ú§Ô§Ý§Ñ§Ø §Ò§à§Ý§ß§à.
2.§·?§ß§Õ§Ý?§ß§Ô§Ú§Û§ß ?§ß§ï§Ý§Ô§ï§ï§ß§Ú§Û §Ù§Ñ§Ô§Ó§Ñ§â§å§å§Õ
§·?§ß§Õ§Ý?§ß§Ô§Ú§Û§ß §Ù§Ñ§Ô§Ó§Ñ§â§å§å§Õ §ß§î §ä§å§ç§Ñ§Û§ß §å§Ý§ã§í§ß §ï§â§ã§Õ§ï§Ý§Ú§Û§Ô
§Þ§ï§â§Ô§ï§Ø§Ý§Ú§Û§ß ?§ß§ï§Ý§Ô§ï§ï§ß§Ú§Û §Ò§Ñ§Û§Ô§å§å§Ý§Ý§Ñ§Ô§å§å§Õ §ä§à§Õ§à§â§ç§à§Û
§ê§Ñ§Ý§Ô§å§å§â ?§Ù??§Ý§ï§Ý§ä??§Õ§ï§ï§â ?§ß§ï§Ý§Ø §ß§Ú§Û§ä§ï§Õ §Þ§ï§Õ§ï§ï§Ý§Õ§ï§Ô.
20. §¡§Ý§î §å§Ý§ã §ñ§Þ§Ñ§â §Ù§ï§â§ï§Ô§Ý§ï§Ý§Õ §Ò§Ñ§Û§Ô§Ñ§Ñ §Ò§à§Ý§à§ß §ç§Ñ§â§î§è§å§å§Ý§Ñ§Ý§ä§å§å§Õ§í§Ô
§ç§ñ§Ý§Ò§Ñ§â §ç§Ú§Û§ç §Ò§à§Ý§à§Þ§Ø§ä§à§Û.
§´§å§ç§Ñ§Û§Ý§Ò§Ñ§Ý, §¦§Ó§â§à §Þ?§ß§Ô?§ß§Ú§Û §Ú§ß§Õ§Ö§Ü§ã, ?§ß§ï§Ý§Ô§ï§ï§ß§Ú§Û
§Ò§Ñ§Û§Ô§å§å§Ý§Ý§Ñ§Ô§å§å§Õ (¦¬¦Ï¦Ïdy?s, S and P, Fitch)
§¦§Ó§â§à §Þ?§ß§Ô?§ß§Ú§Û §Ú§ß§Õ§Ö§Ü§ã §ß§î §Ø§Ú§Ý§Õ §ç§à§×§â §å§Õ§Ñ§Ñ ?§ß§ï§Ý§Ô§ï§ï §ç§Ú§Û§Õ§ï§Ô
§Ò§Ñ §å§Ý§ã§í§ß §ï§â§ã§Õ§ï§Ý§Õ 0-100% - §Ú§Û§ß §ç§à§à§â§à§ß§Õ ?§ß§ï§Ý§Ô§ï§ï ?§Ô§Õ?§Ô.
??§ß§Õ:
1.§µ§Ý§ã §ä?§â§Ú§Û§ß §ï§â§ã§Õ§ï§Ý ¨C political risk ( 25% weighting)
2.§¿§Õ§Ú§Û§ß §Ù§Ñ§ã§Ô§Ú§Û§ß §ß?§ç§è?§Ý §Ò§Ñ§Û§Õ§Ñ§Ý ¨C §Öconomic
performance (25%),
21. 3.?§â§Ú§Û§ß §Ú§ß§Õ§Ú§Ü§Ñ§ä§à§â ¨C debt indicators (10%),
4.?§â§Ú§Û§ß §ç§à§Û§ê§Ý§å§å§Ý§Ñ§Ý§ä ¨C debt in default or rescheduled
(10%)
5.§©§ï§ï§Ý§Ú§Û§ß §Ù§ï§â§ï§Ô§Ý§ï§Ý - credit rating (10%),
6.§¢§Ñ§ß§Ü §ã§Ñ§ß§ç??§Ô§Ú§Û§ß §ã§Ú§ã§ä§Ö§Þ§Õ §ß§ï§Ó§ä§â§ï§ç ¨C access to bank
finance (5%),
7.§¢§à§Ô§Ú§ß§à §ç§å§Ô§Ñ§è§Ñ§Ñ§ä §ç?§â?§ß§Ô? §à§â§å§å§Ý§Ñ§Ý§ä §ç§Ú§Û§ç §Ò§à§Ý§à§Þ§Ø ¨C
access to short - term finance (5%),
8.§·?§â?§ß§Ô§Ú§Û§ß §Ù§Ñ§ç §Ù§ï§ï§Ý§Õ §ß§ï§Ó§ä§â§ï§ç §Ò§à§Ý§à§Þ§Ø ¨C
access to capital markets - (5%),
9. §¶§à§â§æ§Ö§Û§ä§Ú§ß§Ô ¨C forfaiting (5%).
22. §¥§ï§Ý§ç§Ú§Û §Õ§ï§ï§â §ß§Ú§Û§ä 3000 §Ô§Ñ§â§å§Û ?§ß§ï§Ý§Ô§ï§ï §ç§Ú§Û§Õ§ï§Ô §ä§à§Þ§à§à§ç§à§ß
§Ò§Ñ§Û§Ô§å§å§Ý§Ý§Ñ§Ô§Ñ §Ò§Ñ§Û§Õ§Ñ§Ô §Ò?§Ô??§Õ 3 §Ò§Ñ§Û§Ô§å§å§Ý§Ý§Ñ§Ô§Ñ §Ý §Õ§ï§Ý§ç§Ú§Û§Õ
§ß§Ú§Û§ä§ï§ï§â §ç?§Ý§ï§ï§ß §Ù?§Ó§ê??§â?§Ô§Õ§ã?§ß §Ò§Ñ§Û§ß§Ñ.
??§ß§Õ: ¦¬¦Ï¦Ïdy?s, Standard and Poors, Fitch rating §ð§Þ.
§¿§Õ§Ô§ï§ï§â ?§ß§ï§Ý§Ô§ï§ï§ß§Ú§Û §Ò§Ñ§Û§Ô§å§å§Ý§Ý§Ñ§Ô§Ñ §ß§î §å§Ý§ã §à§â§ß§í ?§ß§ï§Ý§Ô§ï§ï
§ç§Ú§Û§ç§ï§ï§ã §Ô§Ñ§Õ§ß§Ñ §Ò§Ú§Ù§ß§Ö§ã§Ú§Û§ß §Ò§à§Ý§à§ß §ã§Ñ§ß§ç??§Ô§Ú§Û§ß
§Ò§Ñ§Û§Ô§å§å§Ý§Ý§Ñ§Ô§Ñ§Õ ?§ß§ï§Ý§Ô§ï§ï §ç§Ú§Û§Ø §ç?§â?§ß§Ô? §à§â§å§å§Ý§Ñ§Ý§ä §ä§Ñ§ä§Ñ§ç
§Ò§à§Ý§à§Þ§Ø§Ú§Û§Ô §à§Ý§Ô§à§Õ§à§Ô.
23. ?§ß§ï§Ý§Ô§ï§ï ?§ß§Õ§ã§ï§ß 3 §ä?§Ó§ê§Ú§ß§Õ §Ò§Ñ§Û§Õ§Ñ§Ô.
??§ß§Õ :
1. §·?§â?§ß§Ô? §à§â§å§å§Ý§Ñ§Ý§ä§í§ß §Ù§ï§â§ï§Ô§Ý§ï§Ý §Ò?§Ô??§Õ §ç?§â?§ß§Ô?
§à§â§å§å§Ý§Ñ§Ý§ä §ç§Ú§Û§ç§ï§Õ §ä§à§ç§Ú§â§à§Þ§Ø§ä§à§Û §Ò§Ñ §ï§â§ã§Õ§ï§Ý§Ú§Û§ß §ç§å§Ó§î§Õ
§ç§Ñ§â§î§è§Ñ§ß§Ô§å§Û §Ò§Ñ§Ô§Ñ §Ò§Ñ§Û§Õ§Ñ§Ô.
2. §¿§â§Ô§ï§Ý§Ù§ï§ï§ä§ï§Û §Ù§ï§â§ï§Ô§Ý§ï§Ý §Ò?§Ô??§Õ §ç?§â?§ß§Ô? §à§â§å§å§Ý§Ñ§Ý§ä
§ç§Ú§Û§ç§ï§Õ §ß§ï§Ý§ï§ï§Õ §ï§â§Ô§ï§Ý§Ù§ï§ï§ä§ï§Û §ï§â§ã§Õ§ï§Ý §Ú§ç§ä§ï§Û. §¿§ß§ï
§Ù§ï§â§ï§Ô§Ý§ï§Ý§Ú§Û§Ô §ç?§â?§ß§Ô? §à§â§å§å§Ý§Ñ§Ý§ä §ç§Ú§Û§ç§Ô?§Û §ä?§Ó§ê§Ú§ß §Ô§ï§Ø
?§Ù§Õ§ï§Ô.
3. §°§ß§è§Ô§à§Û §Ù§ï§â§ï§Ô§Ý§ï§Ý §Ò?§Ô??§Õ §ä§à§Õ§à§â§ç§à§Û §Ò§å§ã ?§ß§ï§Ý§Ô§ï§ï
§ç§Ú§Û§Ô§Õ§ï§ï§Ô?§Û §å§Ý§ã§å§å§Õ§í§Ô §Ñ§Ó§é ?§Ù§Õ§ï§Ô.
24. ¦¬¦Ï¦Ïdy?s - §Ú§Û§ß ?§ß§ï§Ý§Ô§ï§ï§ß§Ú§Û §ä§Ñ§Û§Ý§Ò§Ñ§â
§©§ï§â§ï§Ô§Ý§ï§Ý §´?§Ý§Ò?§â §ç§å§Ô§Ñ§è§Ñ§Ñ§ß§Õ§Ñ§Ñ §ä?§Ý?§ç §ß§Ñ§Û§Õ§Ý§Ñ§Ô§Ñ §¿§â§ã§Õ§ï§Ý
1. §·?§â?§ß§Ô? §à§â§å§å§Ý§Ñ§Ý§ä§í§ß
§¡§¡§¡ §·§Ñ§Þ§Ô§Ú§Û§ß ?§ß§Õ?§â §é§Ñ§ß§Ñ§â§ä§Ñ§Û §·§Ñ§Þ§Ô§Ú§Û§ß §Ò§Ñ§Ô§Ñ
§¡§Ñ1,§¡§Ñ2,§¡§Ñ§© ?§ß§Õ?§â §é§Ñ§ß§Ñ§â §®§Ñ§ê §Ò§Ñ§Ô§Ñ §Ù§ï§â§Ô§Ú§Û§ß §ï§â§ã§Õ§ï§Ý
§¡1,§¡2,§¡§© §¥§å§ß§Õ§Ñ§Ñ§ã §Õ§ï§ï§Ô??§â §é§Ñ§ß§Ñ§â §¢§Ñ§Ô§Ñ §ï§â§ã§Õ§ï§Ý
§£§Ñ§Ñ1,§£§Ñ§Ñ2,§£§Ñ§Ñ§© §¥§å§ß§Õ §é§Ñ§ß§Ñ§â §¥§å§ß§Õ§Ñ§Ø §ï§â§ã§Õ§ï§Ý
2. §¿§â§Ô§ï§Ý§Ù§ï§ï§ä§ï§Û §Ù§ï§â§ï§Ô§Ý§ï§Ý
§£§Ñ1, §£§Ñ2, §£§Ñ§© §©§Ñ§â§Ú§Þ §ß§î §ï§â§Ô§ï§Ý§Ù§ï§ï§ä§ï§Û §ª§ç§ï§ï§ç§ï§ß §ï§â§ã§Õ§ï§Ý§ä§ï§Û
§£1, §£2, §£§© §¿§â§Ô§ï§Ý§Ù§ï§ï§ä§ï§Û ?§ß§Õ?§â §ç§ï§Þ§Ø§ï§ï§ß§Ú§Û §ï§â§ã§Õ§ï§Ý§ä§ï§Û
§³§Ñ§Ñ1, §³§Ñ§Ñ2,§³§Ñ§Ñ§© §®§å§å §®§Ñ§ê ?§ß§Õ?§â §ï§â§ã§Õ§ï§Ý§ä§ï§Û
§³§Ñ §ª§ç §ï§â§Ô§ï§Ý§Ù§ï§ï§ä§ï§Û §Ò§Ñ§â§Ñ§Ô §ä?§Ý?§Ô§Õ?§ç§Ô?§Û,
§Ù§Ñ§â§Ú§Þ §ß§î §Ý §ä?§Ý?§Ô§Õ?§ß?
§·§Ñ§Þ§Ô§Ú§Û§ß §Ú§ç §ï§â§ã§Õ§ï§Ý§ä§ï§Û
§³ §´?§Ý?§Ô§Õ?§ç§Ô?§Û §ç?? §Ò§à§Ý§à§ß ?§ß§Õ§ã§ï§ß
§ä?§Ý§Ò?§â§Ú§Û§ß §Þ§Ñ§ê §Ò§Ñ§Ô§Ñ §ç§ï§ã§ï§Ô §ß§î §ä?§Ý?§Ô§Õ?§ç
§Þ§Ô§Ñ§Õ§Ý§Ñ§Ý§ä§Ñ§Û
§·§Ñ§Þ§Ô§Ú§Û§ß §Ú§ç §ï§â§ã§Õ§ï§Ý§ä§ï§Û
3. §°§ß§è§Ô§à§Û §Ù§ï§â§ï§Ô§Ý§ï§Ý
WR §´ §Ñ§ä§Ô§Ñ§Ý§Ù§ã§Ñ§ß §ä?§Ó§ê§Ú§ß
NR ?§ß§ï§Ý§ï§Ô§Õ§ï§ï§Ô?§Û
§² §´?§â §Ù§å§å§â§í§ß
25. §¥§Ñ§â§Ñ§Ñ§ç §ç?§ã§ß§ï§Ô§ä§ï§Õ §Ù§ï§â§ï§Ô§Ý§ï§Ý §ä§à§Ô§ä§à§à§Õ§à§Ô §Ò§Ñ§Û§Ô§å§å§Ý§Ý§Ñ§Ô§å§å§Õ§í§ß
§ç?§â?§ß§Ô? §à§â§å§å§Ý§Ñ§Ý§ä§í§ß §Ù§ï§â§ï§Ô§Ý§ï§Ý§Ú§Û§Ô §ä§à§Ô§ä§à§à§Ø §Ò§å§Û ?§ß§ï§Ý§Ô§ï§ï§Ô
§ç§Ñ§â§î§è§å§å§Ý§Ø §ç§Ñ§â§å§å§Ý§Ý§Ñ§Ñ.
¦¬¦Ï¦Ïdy?s, Standard and Poors, Fitch ¨C §Ú§Û§ß ?§ß§ï§Ý§Ô§ï§ï§ß§Ú§Û
§ç§Ñ§â§î§è§å§å§Ý§Ñ§Ý§ä
§¹§Ñ§ß§Ñ§â Moody¡¯s Standart & Poor¡¯s Fitch
§·§Ñ§Þ§Ô§Ú§Û§ß §ã§Ñ§Û§ß §é§Ñ§ß§Ñ§â Aaa AAA AAA
?§ß§Õ?§â §é§Ñ§ß§Ñ§â Aa1
Aa2
Aa3
AA+
AA
AA-
AA+
AA
AA-
§¥§å§ß§Õ§Ñ§Ñ§ã §Õ§ï§ï§ê A1
A2
A3
A+
A
A-
A+
A
A-
§¥§å§ß§Õ §é§Ñ§ß§Ñ§â Baa1
Baa2
Baa3
BBB+
BBB
BBB-
BBB+
BBB
BBB-
26. 3.§®§à§ß§Ô§à§Ý §å§Ý§ã§í§ß §Ù§ï§â§ï§Ô§Ý§ï§Ý
§®§Ñ§ß§Ñ§Û §å§Ý§ã 2005 §à§ß§Õ §Ñ§ß§ç §å§Õ§Ñ§Ñ §å§Ý§ã§í§ß §Ù§ï§â§ï§Ô§Ý§ï§Ý
§ä§à§Ô§ä§à§à§Ý§Ô§à§Ø §Ò§Ñ§Û§ã§Ñ§ß §Ò?§Ô??§Õ §®§à§ß§Ô§à§Ý§Ò§Ñ§ß§Ü§ß§í§ç§Ñ§ß
?§ß§ï§Ý§Ô§ï§ï§ß§Ú§Û 3 §Ü§à§Þ§á§Ñ§ß§Ú§Û§ß §ä?§Ý??§Ý?§Ô§é§Õ§Ú§Û§Ô §å§â§î§Ø §Ñ§Ó§é§â§Ñ§ß
§Ù§ï§â§ï§Ô§Ý§ï§Ý§ï§ï §ä§à§Ô§ä§à§à§Ý§Ô§à§ç§à§Õ §£ §Ô§ï§ã§ï§ß ?§ß§ï§Ý§Ô§ï§ï ?§Ô§ã?§ß §ð§Þ.
§£ §Ô§ï§ã§ï§ß ?§ß§ï§Ý§Ô§ï§ï§Ô ?§Ô?§ç§Õ?? §Þ§Ñ§ß§Ñ§Û §å§Ý§ã§í§ß §Õ§Ñ§Ó§å§å §Ò§à§Ý§à§ß
§ã§å§Ý §ä§Ñ§Ý§í§Ô §Õ§Ñ§â§Ñ§Ñ§ç §Ò§Ñ§Û§Õ§Ý§Ñ§Ñ§â §ä§à§Õ§à§â§ç§à§Û§Ý§ã§à§ß §Ò§Ñ§Û§ß§Ñ.
27. Standard and poor,s rating
§³§å§Ý §ä§Ñ§Ý§å§å§Õ §¥§Ñ§Ó§å§å §ä§Ñ§Ý§å§å§Õ
? §©§ï§â§ï§Ô§Ý§ï§Ý §ä§à§Ô§ä§à§à§ã§à§ß §ä§å§ã§Ô§Ñ§Ñ§â
§å§Ý§ã§å§å§Õ§í§ß §Õ§å§ß§Õ §ç§Ñ§Þ§Ô§Ú§Û§ß §Ú§ç ?§â§ä§ï§Û
§å§Ý§ã
? §¢§Ñ§Ô§Ñ §à§â§Ý§à§Ô§à§ä§à§Û, §ä??§ç§Ú§Û §ï§Õ§ï§Õ
§ã§å§å§â§Ú§Ý§ã§Ñ§ß §Ø§Ú§Ø§Ú§Ô §ç?§Ô§Ø??§Ô?§Û §ï§Õ§Ú§Û§ß
§Ù§Ñ§ã§Ñ§Ô§ä§Ñ§Û §å§Ý§ã
? §©?§Ó§Ý?§Ý§ä§Ú§Û§ß ?§Ö§Ú§Û§ß ?§â§Ú§Û§Ô
§ä?§Ý§ã?§ß??§â §ä?§ã§Ó§Ú§Û§ß §Ò§à§Ý§à§ß §Ô§Ñ§Õ§Ñ§Ñ§Õ
§å§ñ§ß §ç§Ñ§ä§Ñ§ß §Ò§Ñ§Û§Õ§Ý§í§Ô §ã§å§Ý§â§å§å§Ý§ã§Ñ§ß.
? §¤§Ñ§Õ§Ñ§Ñ§Õ§í§ß §à§Ý§à§ß §å§Ý§ã§í§ß
§Ò§Ñ§Û§Ô§å§å§Ý§Ý§Ñ§Ô§å§å§Õ§í§ß §ç?§é§ä§ï§Û §ä§å§ã§Ý§Ñ§Þ§Ø
§Õ§ï§Þ§Ø§Ý§ï§Ô §Ñ§Ó§Õ§Ñ§Ô.
? §¯§ï§ï§Ý§ä§ä§ï§Û §Ò§à§Ý§à§ß §Ù§Ñ§ç §Ù§ï§ï§Ý§Ú§Û§ß §ï§Õ§Ú§Û§ß
§Ù§Ñ§ã§Ñ§Ô §â§å§å §é§Ú§Ô§Ý§ï§ã§ï§ß §ï§Õ§Ú§Û§ß §Ù§Ñ§ã§Ô§Ú§Û§ß
§Ò§à§Õ§Ý§à§Ô§à§ä§à§Û §å§Ý§ã
? §µ§å§Ý §å§å§â§ç§Ñ§Û§ß §ã§Ñ§Ý§Ò§Ñ§â §ß§î §ç?§Ô§Ø§Ú§ç
§ç§Ñ§ß§Õ§Ý§Ñ§Ô§Ñ§ä§Ñ§Û
? §¢§Ñ§Ô§Ñ §à§â§Ý§à§Ô§à§ä§à§Û §ï§Õ§Ú§Û§ß §Ù§Ñ§ã§Ô§Ú§Û§ß
§ç§å§Ó§î§Õ §ç?§ß§Ú§Û ?§ß§Õ?§â §ß??§è§ä§ï§Û §Ò?§Ô??§Õ
§å§Ý§ã §ä?§â§Ú§Û§ß §ä§à§Ô§ä§Ó§à§â§ä§à§Û §Ò§Ñ§Û§Õ§Ñ§Ý§ä§Ñ§Û.
28. Fitch rating
§³§å§Ý §ä§Ñ§Ý§å§å§Õ §¥§Ñ§Ó§å§å §ä§Ñ§Ý§å§å§Õ
? §¿§Õ§Ú§Û§ß §Ù§Ñ§ã§Ô§Ú§Û§ß §Õ§Ú§Ó§Ö§â§ã§Ú§æ§Ú§Ü§Ñ§è§Ú§Ô?§Û,
§ä??§ç§Ú§Û §ï§Õ§Ú§Û§ß §ï§Ü§ã§á§à§â§ä§à§à§ã
§ç§Ñ§Þ§Ñ§Ñ§â§ã§Ñ§ß §ï§Õ§Ú§Û§ß §Ù§Ñ§ã§Ñ§Ô§ä§Ñ§Û
? §©§Ñ§â§Õ§Ý§í§ß ?§ß§Õ?§â
??§â§ï§Ô§ä§ï§Û(§ã§à§ß§Ô§å§å§Ý§Ú§Û§ß §Ñ§Þ§Ý§Ñ§Ý§ä)
§Ò?§Ô??§Õ §ä§Ñ§ä§Ó§Ñ§â§í§ß §Õ§Ñ§â§Ñ§Þ§ä §ß§î
§ä?§ã§Ó§Ú§Û§ß §å§ñ§ß §ç§Ñ§ä§Ñ§ß §Ò§Ñ§Û§Õ§Ý§í§Ô
§Ñ§Ý§Õ§Ñ§Ô§Õ§å§å§Ý§Õ§Ñ§Ô.
? §¤§Ñ§Õ§Ñ§Ñ§Õ§í§ß §Ñ§Ý§Ò§Ñ§ß §×§ã§ß§í §Ù§ï§ï§Ý§Õ§ï§Ô§é§Õ§ï§ï§ã
§ç§Ñ§Þ§Ñ§Ñ§â§Ñ§Ý§ä§Ñ§Û §å§Ý§ã
? §¢§Ñ§ß§Ü§ß§í §ã§Ö§Ü§ä§à§â§à§à§ã ??§ã§ã§ï§ß §Ù§ï§ï§Ý§Ú§Û§ß
?§Ý§Õ§ï§Ô§Õ§ï§Ý§Ú§Û§ß §à§Ô§è§à§Þ ?§ã?§Ý§ä§ä§ï§Û,
§Õ§à§Ý§Ý§Ñ§â§Ø§Ú§Ý§ä§Ú§Û§ß §ï§â§ã§Õ§ï§Ý ?§ß§Õ?§â
? §¤§Ñ§Õ§Ñ§Ñ§Õ§í§ß ?§â§Ú§Û§ß ?§Û§Ý§é§Ú§Ý§Ô§ï§ï§ß§Ú§Û §Ò§Ñ§Ô§Ñ
§Õ§Ñ§â§Ñ§Þ§ä§ä§Ñ§Û §å§Ý§ã
? §©§Ñ§ç §Ù§ï§ï§Ý§Ú§Û§ß §ï§Õ§Ú§Û§ß §Ù§Ñ§ã§Ñ§Ô §â§å§å
§é§Ú§Ô§Ý§ï§Ô§Õ§ã§ï§ß §ß§ï§ï§Ý§ä§ä§ï§Û §å§Ý§ã
? §¤§Ñ§Õ§Ñ§Ñ§Õ §ç?§â?§ß§Ô? §à§â§å§å§Ý§Ñ§Ý§ä§í§ß
§ç§å§å§Ý§Ú§Û§ß §ä§å§ã§Ý§Ñ§Þ§Ø§ä§Ñ§Û§Ô§Ñ§Ñ§â §Ô§Ñ§Õ§Ñ§Ñ§Õ
§ç?§â?§ß§Ô? §à§â§å§å§Ý§Ñ§Ô§é§Õ§í§ß §ã§à§ß§Ú§â§ç§Ý§í§Ô §Ú§ç
§ä§Ñ§ä§Ñ§Ø §Ò§Ñ§Û§Ô§Ñ§Ñ.
? §¤§Ñ§Õ§Ñ§Ñ§Õ §ç?§â§Ó?§ç §é§Ñ§Õ§Ó§Ñ§â§ä§Ñ§Û ?§ß§Õ?§â§ä§ï§Û
§å§Ý§ã.
29. §®§à§àdy¡¯s rating
§³§å§Ý §ä§Ñ§Ý§å§å§Õ §¥§Ñ§Ó§å§å §ä§Ñ§Ý§å§å§Õ
? §·§Ñ§â§î§è§Ñ§ß§Ô§å§Û ?§ß§Õ?§â §Ô§ï§ç§Õ§ï§ï
§ç?§ß§Ô?§Ý§ä§ä§ï§Û §Ô§Ñ§Õ§Ñ§Ñ§Õ ?§â§ä§ï§Û §å§Ý§ã
? §³§Ñ§ß§ç??§Ô§Ú§Û§ß §ã§Ú§ã§ä§Ö§Þ §Ò§à§Ý§à§ß
§ç?§â?§ß§Ô§Ú§Û§ß §Ù§Ñ§ç §Ù§ï§ï§Ý §ß§î §Ñ§ß§ç§Ñ§ß §ê§Ñ§ä§ß§í
§ç?§Ô§Ø§Ý§Ú§Û§ß ?§Ö§Õ §Ò§Ñ§Û§Ô§Ñ§Ñ.
? §®§à§ß§Ô§à§Ý §µ§Ý§ã§í§ß §ä?§ã§Ó§Ú§Û§ß §Ò§à§Ý§à§ß
§ç?§Ô§Ø§Ý§Ú§Û§ß §Õ§ï§Ó§ê§Ú§Ý §ß§î §Ô§Ñ§Õ§Ñ§Ñ§Õ §ç?§é§Ú§ß
§Ù?§Û§Ý§ã§ï§ï§ã §Ú§ç §ç§Ñ§Þ§Ñ§Ñ§â§Ñ§Ý§ä§Ñ§Û
? §³??§Ý§Ú§Û§ß §ç§ï§Õ§ï§ß §Ø§Ú§Ý§Ú§Û§ß §ä?§ã§Ó§Ú§Û§ß
§Ò§à§Ý§à§ß §ä?§Ý§Ò?§â§Ú§Û§ß §ä§ï§ß§è§Ý§Ú§Û§ß §ã§Ñ§Û§Ø§â§Ñ§ç
§ç§Ñ§ß§Õ§Ý§Ñ§Ô§Ñ§ä§Ñ§Û §Ò§Ñ§Û§Ô§Ñ§Ñ.
? §®§à§ß§Ô§à§Ý §µ§Ý§ã §Ô§Ñ§Õ§Ñ§Ñ§Õ §ç?§â?§ß§Ô?
§à§â§å§å§Ý§Ñ§Ô§é§Õ§í§Ô §å§å§Ý §å§å§â§ç§Ñ§Û §Ò§à§Ý§à§ß
§Ò§Ñ§ß§Ü§ß§í §ã§Ö§Ü§ä§à§â§ä §ä§Ñ§ä§Ñ§Ø §é§Ñ§Õ§ã§Ñ§ß §Ò§Ñ§Û§Õ§Ñ§Ý
§Ô§Ñ§Õ§Ñ§Ñ§Õ §ç?§â?§ß§Ô? §à§â§å§å§Ý§Ñ§Ý§ä§í§ß ?§â§ã?§Ý§Õ?§ç
§é§Ñ§Õ§Ó§Ñ§â§ä§Ñ§Û §å§Ý§ã
? §´§à§Ô§ä§Ó§à§â§ä§à§Û §Ñ§â§Õ§é§Ú§Ý§ã§Ñ§ß §å§Ý§ã §ä?§â§Ú§Û§ß
§ä§à§Ô§ä§à§Ý§è§à§à, §ï§â§ç §Ù?§Û§ß §ç§Ñ§â§î§è§Ñ§ß§Ô§å§Û
§ä§Ñ§Ñ§Ý§Ñ§Þ§Ø§ä§Ñ§Û §à§â§é§Ú§ß§ä§à§Û §Ò?§Ô??§Õ §ç?§â?§ß§Ô?
§à§â§å§å§Ý§Ñ§Ý§ä§í§ß ?§â§ã?§Ý§Õ?§ç §é§Ñ§Õ§Ó§Ñ§â§ä§Ñ§Û §å§Ý§ã
? §º§Ú§ß§ï§é§Ý§ï§Ô§Õ§ã§ï§ß §Ò§à§Ý§à§ß §ï§â??§Ý§Ø§ã§ï§ß
§Ò§Ñ§ß§Ü§ß§í §ã§Ú§ã§ä§Ö§Þ §ß§î ?§Þ§ß?§ç ?§Ö§ï§ã
§ç§Ñ§Õ§Ô§Ñ§Ý§Ñ§Þ§Ø§Ú§Û§Ô §ä§Ñ§ä§Ñ§ß §ä?§Ó§Ý?§â??§Ý§Ø
§å§Õ§Ú§â§Õ§Ñ§ç§Ñ§Õ §ç§å§Ó§î §ß§ï§Þ§ï§â §à§â§å§å§Ý§Ø §Ò§Ñ§Û§ß§Ñ.
30. 4. §µ§Ý§ã§í§ß §ï§â§ã§Õ§ï§Ý§Ú§Û§Ô §Ò§å§å§â§å§å§Ý§Ñ§ç
§¢§Ñ§ß§Ü §ã§Ñ§ß§ç??§Ô§Ú§Û§ß §Ò§Ñ§Û§Ô§å§å§Ý§Ý§Ñ§Ô§Ñ §ß§î §å§Ý§ã§í§ß §ï§â§ã§Õ§ï§Ý§Ú§Û§ß
§ä§Ñ§Ý§Ñ§Ñ§â §Ò§Ñ§â§Ú§Þ§ä§Ý§Ñ§ç §Ò§à§Õ§Ý§à§Ô§à§à §Ò§à§Ý§à§Ó§ã§â§å§å§Ý§Ñ§ß, §Ô§Ñ§Õ§Ñ§Ñ§Õ ?§Û§Ý
§Ñ§Ø§Ú§Ý§Ý§Ñ§Ô§Ñ§Ñ§ß§í§ç§Ñ§Ñ §ã§ä§â§Ñ§ä§Ö§Ô§Ú§Û§Ô §ä§à§Õ§à§â§ç§à§Û§Ý§à§ß, §å§Ý§ã§í§ß
§ï§â§ã§Õ§ï§Ý§Ú§Û§Ô ?§ß§ï§Ý§ï§ç, §ç§ñ§ß§Ñ§ç §ç§ñ§Ù§Ô§Ñ§Ñ§â§Ý§Ñ§ç §Þ§Ö§ç§Ñ§ß§Ú§Ù§Þ§í§Ô §Ò§Ú§Û
§Ò§à§Ý§Ô§à§ß §Ñ§Ø§Ú§Ý§Ý§Ñ§ç §ê§Ñ§Ñ§â§Õ§Ý§Ñ§Ô§Ñ§ä§Ñ§Û.
§µ§Ý§ã§í§ß §ï§â§ã§Õ§ï§Ý§Ú§Û§ß §Ò§à§Õ§Ý§à§Ô§í§ß §Ò§Ñ§â§Ú§Þ§ä §Ò§Ú§é§Ú§Ô §Õ§Ñ§â§Ñ§Ñ§ç
§Ù?§Û§Ý??§Õ§Ú§Û§Ô §Ù§Ñ§Û§Ý§ê§Ô?§Û §Ñ§Ô§å§å§Ý§ã§Ñ§ß §Ò§Ñ§Û§Ó§Ñ§Ý §Ù§à§ç§Ú§ß§à.
??§ß§Õ:
? §µ§Ý§ã§í§ß §ï§â§ã§Õ§ï§Ý§Ú§Û§Ô §å§Õ§Ú§â§Õ§Ñ§ç, §ç§ñ§ß§Ñ§ç §Ò§Ñ§ß§Ü§ß§í §Ò?§ä§è§ß§Û§Ô
§ä§à§Õ§à§â§ç§à§Û §Ù§Ñ§Ñ§ç
31. ? §³§Ñ§ß§ç??§Ô§Ú§Û§ß §Ò§Ñ§Û§Ô§å§å§Ý§Ý§Ñ§Ô§Ñ ??§â§Ú§Û§ß ?§Û§Ý §Ñ§Ø§Ú§Ý§Ý§Ñ§Ô§Ñ§Ñ§ß§í
§à§ß§è§Ý§à§Ô, §è§Ñ§â §ç?§â§ï§ï§ß§Õ §ß§Ú§Û§è§ã§ï§ß, §ç§ï§â§ï§Ô§Ø??§Ý§Ø §Ò§à§Ý§à§ç§å§Û§è,
§à§Û§Ý§Ô§à§Þ§Ø§ä§à§Û §Ò§Ñ§Û§ç§Ñ§Ñ§â §å§Ý§ã§í§ß §ï§â§ã§Õ§ï§Ý§Ú§Û§Ô ?§ß§ï§Ý§ï§ç,
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