Access to Banking for People with a Learning Disability

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    @ffjss tg m`ihdie ngr

    pjgpbj wdta ` bj`ridie

    cds`mdbdty

    M`ihdie rdeats rjsj`rfa prgojft? i`b rjpgrt

    Njmru`ry =

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    =

    M`ihdie rdeats rjsj`rfa prgojft? i`b rjpgrt

    @ffjss tg m`ihdie ngr pjgpbj wdta `

    bj`ridie cds`mdbdty

    @utagr? Kjdhj Mjfhngrc

    Njmru`ry =

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    J`sy ]j`c sukk`ry

    Nubb rjpgrt

    Ditrgcuftdgi

    Ditrgcuftdgi tg Cgsa

    Kjtagcgbgey@i`bysds gn taj Dssujs

    Kjit`b f`p`fdty

    \rggn gn dcjitdty

    @ffjss tg kgijy

    Fgisdstjify gn sjrvdfj `ic dingrk`tdgi

    Vgbutdgis Kjit`b f`p`fdty

    \rggn gn dcjitdty

    @ffjss tg kgijy

    Fgisdstjify gn sjrvdfj `ic dingrk`tdgi

    ]jfgkkjic`tdgis

    Fgifbusdgi

    Bdst gn gibdij rjsgurfjs

    Mdmbdger`pay

    Udta ta`ihs

    @ppjicdx? Cgsa stgrdjs

    Fgitjits

    6

    3-4

    0

    =5

    =5-=1

    =1

    =4

    60

    6=-66

    63-6:

    6>

    65-3

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    3

    Sads ds `i J`sy ]j`c sukk`ry gn ` rjpgrt `mgut taj

    `ffjss tg m`ihdie ngr pjgpbj wdta ` bj`ridie cds`mdbdty.

    Sads rjpgrt ds wrdttji my Cgsa. Cgsa suppgrts pjgpbj wdta

    ` bj`ridie cds`mdbdty wdta tajdr kgijy.

    Kgrj pjgpbj igw ijjc ` m`ih `ffguit tg spjic tajdrkgijy, ejt tajdr mjijts `ic k`i`ej cdrjft p`ykjits ngr

    tajdr pjrsgi`b mucejt. Sads kj`is ta`t `ffjss tg m`ihdie

    ds dkpgrt`it.

    Sads rjpgrt ds `mgut agw pjgpbj wdta ` bj`ridie cds`mdbdty ejt

    `ffjss tg m`ihdie `ic taj prgmbjks tajy a`vj wdta m`ihs

    `ic mudbcdie sgfdjtdjs.

    Saj Cgsa i`ifd`b `cvgf`tjs a`vj wrdttji `mgut taj

    prgmbjks tajy a`vj sjji. Uj a`vj bgghjc `t tajsj stgrdjs

    `ic gtajr rjsj`rfa tg wrdtj tads rjpgrt.

    Sads rjpgrt?

    0. jxpb`dis taj 3 k`di prgmbjks wj a`vj nguic wdta `ffjss

    tg m`ihs

    =. sueejsts : w`ys tg k`hj dt j`sdjr ngr pjgpbj wdta `

    bj`ridie cds`mdbdty tg usj m`ihs `ic mudbcdie sgfdjtdjs.

    Cgsa rjpgrt? `ffjss tg m`ihdie ngr

    pjgpbj wdta ` bj`ridie cds`mdbdty

    J`sy ]j`c sukk`ry

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    :

    \rgmbjks

    Uj a`vj nguic 3 k`di prgmbjks ta`t pjgpbj wdta ` bj`ridie

    cds`mdbdty a`vj wdta m`ihs. Sajy `rj?

    0. Kjit`b f`p`fdty

    Kjit`b f`p`fdty kj`is mjdie `mbj tg k`hj ` cjfdsdgi `mgut

    sgkjtadie, ngr jx`kpbj cjfdcdie tg gpji `ic k`i`ej `

    m`ih `ffguit.

    Saj Kjit`b F`p`fdty @ft ds ` b`w ta`t s`ys ta`t jvjrygij

    sagubc mj suppgrtjc tg k`hj cjfdsdgis ngr tajksjbvjs dn

    tajy f`i. M`ihs kust ngbbgw tads b`w, mut sgkjtdkjs tajy cg

    igt cg jvjrytadie tajy sagubc.

    Ngr jx`kpbj, wj a`vj nguic ta`t m`ihs sgkjtdkjs s`y

    ta`t sgkjgij cgjs igt a`vj taj f`p`fdty tg gpji ` m`ih

    `ffguit. Sajy s`y tads mjngrj tajy a`vj suppgrtjc taj

    pjrsgi tg uicjrst`ic `ic cjfdcj tg gpji ` m`ih `ffguit.

    Saj m`ihs a`vj dingrk`tdgi gi wa`t tg cg dn sgkjgij cgjs

    igt a`vj taj f`p`fdty tg k`i`ej ` m`ih `ffguit. Sajy cg

    igt a`vj ` bgt gn dingrk`tdgi gi agw tg suppgrt sgkjgij tga`vj f`p`fdty gr wa`t tg cg dn ygu `rj igt surj.

    =. \rggn gn dcjitdty `ic prggn gn `ccrjss

    Uaji ygu gpji ` m`ih `ffguit ygu a`vj tg prgvj wag ygu

    `rj `ic wajrj ygu bdvj.

    Kgst pjgpbj usj ` p`sspgrt `ic ` crdvdie bdfjifj tg cg tads.

    Vgkj pjgpbj cg igt a`vj tajsj cgfukjits.

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    Saj m`ihs a`vj bdsts gn wa`t gtajr cgfukjits pjgpbj f`i

    usj. Saj prgmbjk ds ta`t taj m`ihs cg igt `bw`ys tjbb pjgpbj

    `mgut taj gtajr cgfukjits.

    6. @ffjss tg kgijy

    Uj a`vj nguic prgmbjks wdta?

    pjgpbj ejttdie kgijy nrgk taj fguitjr `ic nrgk f`sa

    k`fadijs

    usdie ` f`rc `ic \DI (` sjfurdty fgcj gn 3 iukmjrs ta`t

    ygu a`vj tg rjkjkmjr)

    `ffjssdmbj dingrk`tdgi

    m`ihs edvdie suppgrt di taj mr`ifa

    m`ihs wgrhdie wdta suppgrt wgrhjrs, `cvgf`tjs `ic

    n`kdbdjs wag `rj suppgrtdie taj pjrsgi.

    Dn pjgpbj ejt taj rdeat suppgrt tg `ffjss `ic uicjrst`ic `

    m`ih `ffguit taji tajy f`i mj kgrj dicjpjicjit. Sajy wdbb

    mj `mbj tg usj tajdr kgijy di taj w`y tajy w`it. Sajy ijjc

    taj m`ihs ajbp tg cg tads.

    Saj Jqu`bdty @ft ds ` b`w ta`t s`ys ta`t m`ihs a`vj tg k`hj

    fa`iejs tg tajdr sjrvdfjs sg ta`t pjgpbj wdta ` cds`mdbdty f`i`ffjss tajk.

    M`ihs k`hj sgkj fa`iejs, mut wj a`vj nguic ta`t tajy cg

    igt `bw`ys k`hj `bb taj fa`iejs tajy sagubc.

    M`ihs `rj wgrrdjc `mgut taj m`ih `ffguits igt mjdie s`nj

    jiguea dn tajy k`hj tgg k`iy fa`iejs. M`ihs ijjc suppgrt

    wdta tads sg ta`t tajy higw wa`t fa`iejs tajy f`i k`hj.

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    3. @bw`ys ejttdie ` eggc sjrvdfj `ic eggc dingrk`tdgi

    Uj a`vj nguic ta`t sgkj m`ihs `ic sgkj pjgpbj `rj vjry

    eggc `t suppgrtdie pjgpbj wdta ` bj`ridie cds`mdbdty wdta tajdr

    kgijy.

    Saj prgmbjk ds ta`t tads cgjs igt `bw`ys a`ppji. Sads

    kj`is ta`t sgkj pjgpbj `rj stgppjc nrgk k`i`edie ` m`ih

    `ffguit my tajksjbvjs.

    Sajy cg igt ejt dingrk`tdgi ta`t tajy f`i uicjrst`ic gr tajy

    cg igt ejt taj rdeat suppgrt.

    ]jfgkkjic`tdgis

    Uj a`vj k`cj : sueejstdgis ngr agw tg stgp tajsj prgm-

    bjks.

    0. ]jsj`rfa

    Uj ijjc tg cg kgrj rjsj`rfa wdta bgts gn pjgpbj wdta `

    bj`ridie cds`mdbdty.

    Saj rjsj`rfa sagubc try tg ic gut agw k`iy pjgpbj a`vj

    prgmbjks wdta m`ihs `ic wa`t taj prgmbjks `rj.

    =. @ eudcj ngr m`ihs

    M`ihs sagubc wrdtj ` eudcj ngr st`nn `mgut agw tajy f`i

    suppgrt pjgpbj wdta bgts gn cdnnjrjit ijjcs.

    Saj eudcj sagubc s`y wa`t fa`iejs tajy f`i k`hj tg

    tajdr sjrvdfjs. Saj eudcj sagubc `bsg jxpb`di agw tg fajfhdn sgkjgij a`s taj f`p`fdty tg k`hj ` cjfdsdgi `mgut

    m`ihdie.

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    6. Sr`didie ngr m`ihs

    M`ihs sagubc cg tr`didie ngr `bb tajdr st`nn `mgut wa`t taj

    eudcj s`ys.

    Sajy sagubc cg tr`didie gi?

    kjit`b f`p`fdty

    agw tg suppgrt sgkjgij

    cdnnjrjit w`ys sgkjgij f`i prgvj wag tajy `rj.

    Sajy sagubc k`hj surj jvjrygij cgjs tads sg ta`t jvjrygij

    ejts taj s`kj eggc suppgrt `ic dingrk`tdgi.

    Sajy sagubc `bsg tj`fa jvjrygij `mgut wa`t ` bj`ridie

    cds`mdbdty ds `ic taj w`ys dt kdeat `nnjft pjgpbjs m`ihdie.

    3. J`sy ]j`c

    M`ihs sagubc wrdtj dingrk`tdgi di J`sy ]j`c.

    :. @ eudcj ngr pjgpbj wdta ` bj`ridie cds`mdbdty

    Uj sagubc wrdtj ` eudcj ngr pjgpbj wdta ` bj`ridie cds`mdbdty

    `ic tajdr suppgrtjrs.Saj eudcj sagubc tjbb jvjrygij wa`t taj

    b`ws s`y `ic agw tg wgrh wdta m`ihs.

    Cgsa a`s st`rtjc tg wrdtj tads eudcj. Uj w`it bgts gn gtajr

    pjgpbj `ic gre`ids`tdgis tg ajbp us tg sa`rj `ic cjvjbgp

    tads.

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    Fgifbusdgi

    Uj a`vj sagwi ta`t tajrj `rj sgkj prgmbjks ngr pjgpbj

    wdta ` bj`ridie cds`mdbdty `ffjssdie m`ihdie `t taj kgkjit.

    Gur sueejstdgis sagw agw wj f`i k`hj fa`iejs. Dt ds

    dkpgrt`it ta`t m`ihs, pjgpbj wdta ` bj`ridie cds`mdbdty `ic

    tajdr suppgrtjrs `bb wgrh tgejtajr tg k`hj tajsj fa`iejs.

    Dt ds dkpgrt`it ta`t jvjrygij wag w`its tg a`s suppgrt tg

    `ffjss m`ihdie.

    @ m`ih `ffguit edvjs pjgpbj fgitrgb gvjr tajdr kgijy `ic

    k`hjs tajk kgrj dicjpjicjit.

    Ndic gut kgrj

    Tgu f`i ic gut kgrj `mgut sgkj gn taj tadies wj t`bh

    `mgut ajrj?

    M`rfb`ys (=

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    Nubb Cgsa rjpgrt? `ffjss tg m`ihdie ngr pjgpbj

    wdta ` bj`ridie cds`mdbdty

    Ditrgcuftdgi

    Di =

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    Dt adeabdeats ngur hjy `rj`s? kjit`b f`p`fdty, prggn gn dcjitdty, `ffjss

    tg kgijy `ic fgisdstjify gn sjrvdfj `ic dingrk`tdgi wajrj prgmbjks

    fgitdiuj tg jxdst.

    Dt cjkgistr`tjs taj frufd`b dkpgrt`ifj gn rjfgifdbdie taj i`ifd`b

    difbusdgi `ejic` `ic m`ihs `kmdtdgus rajtgrdf wdta taj c`y-tg-c`y

    jxpjrdjifjs gn pjgpbj trydie tg `ffjss m`ihdie.

    Saj rjpgrt taji k`hjs ` iukmjr gn rjfgkkjic`tdgis tg dkprgvj

    taj sdtu`tdgi `ic suppgrt taj m`ihdie rdeats gn pjgpbj wdta ` bj`ridie

    cds`mdbdty. Sajsj difbucj taj cjvjbgpkjit gn dkprgvjc eudc`ifj ngr

    m`ih st`nn, tr`didie, `ffjssdmbj dingrk`tdgi `ic eudc`ifj ngr pjgpbj

    wdta ` bj`ridie cds`mdbdty `ic tajdr suppgrtjrs.

    Cgsa f`bbs gi suppgrt gre`ids`tdgis `ic taj m`ihdie sjftgr tg ji-e`ej wdta dt gi dkpbjkjitdie tajsj rjfgkkjic`tdgis `ic tajrjmy

    dkprgvdie `ffjss tg m`ihdie ngr jvjrygij.

    00

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    Ditrgcuftdgi tg Cgsa

    Cgsa suppgrts pjgpbj wdta ` bj`ridie cds`mdbdty wdta tajdr kgijy. Uj

    w`it pjgpbj tg mj kgrj dicjpjicjit `ic a`vj kgrj fgitrgb gvjr

    tajdr kgijy.

    Uj prgvdcj pjrsgi-fjitrjc `ppgditjjsadp. Sads kj`is wj `rj taj

    Fgrpgr`tj @ppgditjj wdta taj Cjp`rtkjit ngr Ugrh `ic \jisdgis ngr

    pjgpbj `ic rjfjdvj tajdr mjijts gi tajdr mja`bn. Uj `bsg suppgrt

    tajk wdta i`ifd`b `cvgf`fy.

    Uj suppgrt ` iukmjr gn pjgpbj wdta sjbn-cdrjftjc suppgrt, difbucdie

    Dicdvdcu`b Mucejts `ic Dicdvdcu`b Vjrvdfj Nuics. Uj `bsg prgvdcj

    i`ifd`b `cvgf`fy ngr ` njw pjgpbj ta`t a`vj ` Fgurt gn \rgtjftdgi

    Cjputy.

    Uj `rj p`rt gn taj Sajr` Ergup gn fgkp`idjs. Uj prgvdcj i`ifd`b

    suppgrt tg sgkj pjgpbj suppgrtjc my Sajr` `ic wj `bsg wgrh

    wdta gtajr f`rj `ic suppgrt prgvdcjrs `frgss Jieb`ic, U`bjs `ic

    Vfgtb`ic.

    @s @ppgditjjs gr `ffguit k`i`ejrs ngr sjbn-cdrjftjc suppgrt,

    wj agbc fbdjit m`ih `ffguits ngr taj pjgpbj wj suppgrt. Uj `rj

    rjspgisdmbj ngr tajsj, mut wgrh wdta j`fa dicdvdcu`b `ic tajdr fdrfbjgn suppgrt tg k`i`ej taj kgijy di taj w`y tajy w`it. Sads difbucjs

    tr`isnjrrdie kgijy tg tajdr pjrsgi`b m`ih `ffguits.

    Gur i`ifd`b `cvgf`fy wgrh `bsg difbucjs suppgrt wdta mucejtdie

    `ic uicjrst`icdie kgijy.

    0=

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    Uay a`vj wj wrdttji tads rjpgrt7

    Uj st`rtjc tads rjsj`rfa mjf`usj gur i`ifd`b `cvgf`tjs rjpgrtjc

    ta`t k`iy gn taj pjgpbj tajy suppgrt wjrj a`vdie prgmbjks wdta

    m`ihdie. Uj w`itjc tg f`pturj tajdr stgrdjs `ic taj jxpjrdjifjs gn

    taj pjgpbj tajy suppgrt.

    Uj w`itjc tg uicjrst`ic taj rggt gn taj prgmbjks tajy jxpjrdjifj

    my bgghdie `t taj rjbjv`it b`ws `ic rjeub`tdgis. Sads wgubc `bbgw us

    tg uicjrst`ic taj cdnnjrjit pjrspjftdvjs `ic dssujs divgbvjc `ic

    tajrjmy prgvdcj ` nguic`tdgi upgi wadfa wj fgubc taji mudbc `

    fgkkgi uicjrst`icdie `ic nr`kjwgrh ngr nurtajr wgrh.

    Cgsa higws agw vdt`b kgijy ds ngr jvjrygijs dicjpjicjifj wj

    strdvj tg suppgrt `ic ji`mbj erj`tjr fgitrgb `ic dicjpjicjifj di `bb

    gur wgrh `ic igwajrj kgrj sg ta`i di tads rjsj`rfa.

    Uj `rj fgkkdttjc tg bj`cdie ` fgbb`mgr`tdgi wadfa frj`tjs kutu`b

    uicjrst`icdie `ic pr`ftdf`b sgbutdgis tg prgkgtj taj m`ihdie rdeats

    gn pjgpbj wdta ` bj`ridie cds`mdbdty.

    Ua`t `rj taj ijxt stjps7

    Sads rjpgrt `dks tg cgfukjit `ic prjsjit taj jxpjrdjifjs gn

    pjgpbj suppgrtjc my Cgsa `s ` prgkpt ngr nuturj fgbb`mgr`tdgi

    mjtwjji m`ihdie sjrvdfjs, f`rj `ic suppgrt gre`ids`tdgis, pjgpbj

    wdta ` bj`ridie cds`mdbdty `ic tajdr n`kdbdjs tg dkprgvj `ffjss tg

    m`ihdie ngr `bb.

    Dt `dks tg adeabdeat taj hjy dssujs gn (0) kjit`b f`p`fdty, (=) prggn

    gn dcjitdty, (6) `ffjss tg kgijy `ic (3) fgisdstjify gn sjrvdfj `ic

    dingrk`tdgi `ic puts ngrw`rc : rjfgkkjic`tdgis tg t`fhbj tajsj

    dssujs.

    Uj `rj fgkkdttjc tg wgrhdie wdta gtajr gre`ids`tdgis `ic taj

    m`ihdie sjftgr tg dkpbjkjit tajsj rjfgkkjic`tdgis `ic prgkgtj

    erj`tjr `ffjss tg m`ihdie.

    06

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    Agw cdc wj cg tads rjsj`rfa7

    Sads rjsj`rfa w`s m`sjc gi eurjs `ic stgrdjs prgvdcjc my `bb sjvji

    Cgsa i`ifd`b `cvgf`tjs di K`rfa =

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    @i`bysds gn taj dssujs

    Sads rjpgrt wdbb sjt gut taj hjy dssujs jifguitjrjc di Cgsas

    jxpjrdjifj `ic kgrj wdcjby waji trydie tg `ffjss m`ihdie

    sjrvdfjs, mjngrj cdsfussdie pgtjitd`b sgbutdgis `ic sjttdie gut gur

    rjfgkkjic`tdgis.

    Saj dssujs `i`bysjc `rj ergupjc ditg ngur f`tjegrdjs? kjit`b

    f`p`fdty, prggn gn dcjitdty, `ffjss tg kgijy `ic fgisdstjify gn

    sjrvdfj `ic dingrk`tdgi. Sads wdbb adeabdeat hjy tajkjs `rguic taj

    fa`bbjiejs gn rjfgifdbdie taj sjfurdty ngfus gn m`ihdie rjeub`tdgis

    wdta taj difbusdgi ngfus gn b`ws sufa `s taj Kjit`b F`p`fdty @ft `ic

    Jqu`bdty @ft.

    Nurtajrkgrj dt wdbb `reuj ta`t cdsfrjp`ifdjs mjtwjji taj

    Egvjrikjits prgkgtdgi gn i`ifd`b difbusdgi, m`ihs pgbdfdjs gi

    taj suppgrt tajy f`i gnnjr `ic pjgpbjs jvjryc`y jxpjrdjifj gn

    m`ihdie di bgf`b mr`ifajs `rj `t taj rggt gn k`iy gn taj prgmbjks

    jifguitjrjc.

    Kjit`b F`p`fdty

    Kjit`b f`p`fdty ds ` cdnfubt dssuj, mut `t dts fgrj dt rjb`tjs tg wajtajr

    sgkjgij ds f`p`mbj gn k`hdie ` cjfdsdgi `mgut sgkjtadie. SajKjit`b F`p`fdty @ft (=

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    0>

    Dt `bsg sueejsts ta`t ` st`tus `pprg`fa ds mjdie usjc wajrjmy `bb

    pjgpbj wdta ` bj`ridie cds`mdbdtyrjfjdvj taj s`kj trj`tkjit

    mjf`usj gn `ssukptdgis `mgut tajdr cds`mdbdty>. ]jsj`rfa sagws ta`t

    tads st`tus `pprg`fa ds gntji stdbb jxpjrdjifjc my pjgpbj wdta `

    bj`ridie cds`mdbdty5.

    Nurtajrkgrj, gifj m`ih st`nn a`vj ` fgifjri `mgut f`p`fdty gr

    a`vj cjfdcjc ta`t sgkjgij cgjs igt a`vj f`p`fdty, tajy rjnusj tg

    fggpjr`tj wdta gr t`bh tg `iygij suppgrtdie taj dicdvdcu`b wag ds

    trydie tg uicjrst`ic tajdr cjfdsdgi gr gnnjr suppgrt tg rjsgbvj

    prgmbjks1.

    Sads a`s kj`it ta`t Cgsa i`ifd`b `cvgf`tjs `rj igt `mbj tg

    jst`mbdsa taj rj`sgi ngr ` rjnus`b gn sjrvdfj, `sh ngr ` oustdf`tdgi

    di rjb`tdgi tg taj Kjit`b F`p`fdty @ft, gr cdsfuss gtajr gptdgis.Fgisjqujitby, pjgpbj wdta ` bj`ridie cds`mdbdty `rj sdeidf`itby

    cds`cv`it`ejc mjf`usj gn sufa fgkprjajisdvj jxfbusdgi nrgk

    i`ifd`b sjrvdfjs.

    @ sdeidf`it rjsj`rfa prgojft my taj @ssgfd`tdgi ngr ]j`b Fa`iej

    (@]F) nrgk =

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    Furrjit eudc`ifj ngfusjs gi taj usj gn Cjputdjs `ic \gwjrs gn

    @ttgrijy, sufa `s taj Mrdtdsa M`ihjrs @ssgfd`tdgi (=

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    Saj Kjit`b F`p`fdty @ft

    Saj Kjit`b F`p`fdty @ft =

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    \rggn gn Dcjitdty

    M`ihs rjqudrj prggn gn dcjitdty `ic prggn gn `ccrjss, wadfa `ft `s

    w`ys gn prjvjitdie kgijy b`uicjrdie `ic dcjitdty tajnt0=. Sads f`i mj

    ` prgmbjk ngr pjgpbj wag cg igt pgssjss taj st`ic`rc ngrks gn prggn

    sufa `s ` crdvdie bdfjifj, utdbdty mdbb gr p`sspgrt.

    @ iukmjr gn gre`ids`tdgis crjw `ttjitdgi tg tads dssuj di taj

    fgisubt`tdgi wj fgicuftjc ngr tads rjsj`rfa. Dt `nnjfts igt oust pjgpbj

    wdta ` bj`ridie cds`mdbdty, mut k`iy pjgpbj wag a`vj mjji tr`cdtdgi`bby

    jxfbucjc nrgk i`ifd`b sjrvdfjs06. Cjspdtj tajsj `pp`rjit cdnfubtdjs

    wdta igi-st`ic`rc ngrks gn prggn, m`ihs cg di n`ft a`vj sdeidf`it

    cdsfrjtdgi di wa`t tajy f`i `ffjpt03. \rgmbjks `rdsj waji mr`ifa

    st`nn kjkmjrs `rj igt `w`rj gn `btjri`tdvj gptdgis gr cg igt rj`cdby

    prgvdcj taj dingrk`tdgi, sg ta`t pgtjitd`b fustgkjrs `rj put gnn my `b`fh gn dingrk`tdgi.

    Fgifjris `mgut kgijy b`uicjrdie a`vj k`cj m`ihs `ic m`ih

    st`nn rdsh `vjrsj `ic ajsdt`it tg gnnjr `btjri`tdvjs0:. Di p`rtdfub`r,

    st`nn kjkmjrs dicdvdcu`b bd`mdbdty uicjr taj \rgfjjcs gn Frdkj @ft

    =

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    @ffjss tg kgijy

    Sads ds gij gn taj mdeejst `rj`s gn fgifjri `ic fgvjrs ` iukmjr gn

    `rj`s. Sajsj difbucj paysdf`b `ffjss tg mr`ifajs8 `ffjss tg f`sa vd`

    @SKs `ic fguitjrs8 usj gn tjbjpagij `ic ditjrijt m`ihdie8 sjfurdty

    rjqudrjkjits sufa `s ` \DI8 `ffjssdmbj dingrk`tdgi8 suppgrt nrgk

    mr`ifa st`nn8 `ic fggpjr`tdgi wdta suppgrt st`nn `ic n`kdby kjkmjrs.

    K`iy pjgpbj wdbb mj `mbj tg `ffjss m`ihdie dn tajy `rj edvji taj rdeat

    suppgrt `ic dingrk`tdgi8 agwjvjr tads gntji rjqudrjs m`ihs tg put

    `btjri`tdvj `rr`iejkjits di pb`fj `ic spjic jxtr` tdkj wdta taj

    pjrsgi di qujstdgi.

    Gur i`ifd`b `cvgf`tjs rjpgrtjc ta`t 14% gn taj pjgpbj Cgsa

    suppgrts `rj cjpjicjit gi jdtajr tajdr suppgrt tj`k, Cgsa, gr mgta

    ngr `ffjss tg tajdr kgijy. Sads adeabdeats taj dkpgrt`ifj gn eggcsuppgrt, mut `bsg r`dsjs qujstdgis `mgut taj ijjc tg ji`mbj erj`tjr

    dicjpjicjifj `ic prgvdcj fb`rdty gi `pprgprd`tj, bgie-tjrk suppgrt

    kjtagcs `ic n`fdbdtdjs `utagrdsjc my m`ihs. Saj stgrdjs nrgk gur

    i`ifd`b `cvgf`tjs nurtajr dbbustr`tj tads ijjc.

    @s taj stgry `mgvj dbbustr`tjs, waji sgkjgij wdta ` cjtjrdgr`tdie

    paysdf`b fgicdtdgi nguic dt cdnfubt tg `ffjss taj mr`ifa, m`ih st`nn cdc

    igt gnnjr `btjri`tdvj w`ys ngr tajk tg `ffjss tajdr kgijy.

    H.s paysdf`b aj`bta w`s di cjfbdij mut `bb taj suppgrt tj`k,

    wag a`c suppgrtjc adk ngr yj`rs, `erjjc ta`t ads kjit`b aj`bta

    w`s uifa`iejc gvjr taj b`st njw yj`rs.

    Gi gij gff`sdgi H. w`s ui`mbj tg eg tg taj mr`ifa tg wdtacr`w

    ads wjjhby `kguit ijjcjc tg p`y ads mdbbs sg ` st`nn kjkmjr

    tggh taj p`ssmggh `ic pjrsgi`b D.C. tg taj mr`ifa, tg

    dcjitdny wag aj w`s `ic wag aj w`itjc tg t`bh `mgut. Sajy

    `shjc dn tajrj w`s `iy kj`is gn taj `ffguit mjdie usjc

    tg tr`isnjr ` sjt `kguit j`fa kgita tg `igtajr m`ih `ffguit

    fbgsjr tg wajrj H. bdvjc sg `s tg k`hj wdtacr`wdie ads kgijy

    j`sdjr, `s aj w`s ejttdie kgrj nr`db.

    Saj fguitjr st`nn `ic bgf`b k`i`ejr dingrkjc taj st`nn kjkmjr

    ta`t taj p`ssmggh w`s mjdie wdtacr`wi `ic ta`t `iy nurtajr

    fgkkuidf`tdgi wgubc a`vj tg mj fgicuftjc gi H.s mja`bn my `

    Fgurt gn \rgtjftdgi Cjputy `s H. w`s ig bgiejr `mbj tg gpjr`tj

    taj s`vdies `ffguit adksjbn.

    (Ndi`ifd`b `cvgf`tj =`)

    =

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    Nurtajrkgrj taj dingrk`tdgi rjqujstjc my Hs suppgrt wgrhjr w`s

    bdhjby tg mj `v`db`mbj tg taj ejijr`b pumbdf `ic `s sufa prgvdcdie taj

    dingrk`tdgi wgubc igt a`vj f`usjc `iy prgmbjks wdta rje`rc tg

    sjfurdty gr c`t` prgtjftdgi dssujs.

    Dt ds fbj`r ta`t sgkj rjqujsts ngr suppgrt f`i f`usj fgifjris

    rje`rcdie sjfurdty `ic ui`utagrdsjc tadrc p`rty `ffjss. Uadbst ` m`ih

    f`iigt rjfgkkjic gr jifgur`ej ta`t sgkjgij sa`rj tajdr \DI

    wdta suppgrt st`nn, taj jx`kpbj mjbgw sueejsts ` b`fh gn `btjri`tdvj

    gnnjrs gn suppgrt, wadfa a`s prjvjitjc pjgpbj nrgk `ffjssdie taj

    sjrvdfjs gn ` m`ih gr mudbcdie sgfdjty. Sads ds tajrjngrj bdhjby tg a`vj

    fgitrdmutjc tg erj`tjr i`ifd`b jxfbusdgi ngr taj pjgpbj di qujstdgi.

    @igtajr i`ifd`b `cvgf`tj adeabdeatjc rjfjit prgmbjks icdie

    `iywajrj ta`t gnnjrs ` p`ssmggh `ffguit, wadfa f`i mj `i j`sdjrw`y ngr pjgpbj tg `ffjss tajdr kgijy `ic hjjp tr`fh gn tajdr

    spjicdie04. Bdkdtdie taj w`ys sgkjgij f`i `ffjss `ic k`i`ej

    tajdr kgijy, `s wjbb `s giby gnnjrdie gij `ffguit, `s di taj `mgvj

    jx`kpbjs, puts sdeidf`it bdkdt`tdgis gi sgkjgijs `ffjss tg

    i`ifd`b sjrvdfjs. Dt dicdf`tjs ta`t taj m`ihs cdc igt sagw tajksjbvjs

    tg mj wdbbdie tg cdsfuss ` pjrsgis dicdvdcu`b rjqudrjkjits, mgta di

    tjrks gn taj `ffguit `ic `iy suppgrt rjqudrjc.

    Sajsj jx`kpbjs `rj suppgrtjc my wdcjr rjsj`rfa fgifjridie

    `ffjssdmdbdty. Bdvdiestgij igtjs ta`t taj tjrk `ffjssdmdbdty ds

    ejijr`bby uicjrstggc tg rjnjr tg paysdf`b `ffjssdmdbdty, sufa `s

    wajjbfa`dr `ffjss `ic b`rej prdit bj`jts, wadbst uicjrst`icdie gn

    gtajr dkp`drkjits, sufa `s bj`ridie cds`mdbdtdjs, ds kufa bgwjr `ic

    `s sufa suppgrt gptdgis `rj kufa kgrj bdkdtjc=

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    Saj Jqu`bdty @ft (=

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    Uadbst sgkj wgrh a`s mjji cgij di tads `rj`, tajrj ds stdbb kufa kgrj

    ta`t f`i mj cgij, di p`rtdfub`r wdta rje`rcs tg jisurdie ta`t `bb st`nn

    kjkmjrs `rj `w`rj gn agw tajy f`i mjst suppgrt fustgkjrs wdta

    ` bj`ridie cds`mdbdty `ic wa`t igi-st`ic`rc gptdgis `rj `v`db`mbj tg

    tajk. Ditjrjstdieby, taj Vfgpj/Dpsgs KG]D =.

    =6

    =6

    Vfgpj / Dpsgs KG]D (=

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    Vdkdb`rby tg taj dssujs `rguic kjit`b f`p`fdty, st`nn kjkmjrs a`vj

    bjedtdk`tj fgifjris `rguic gnnjrdie `btjri`tdvjs wajrj tajsj fa`iej

    st`ic`rc sjfurdty prgfjcurjs (sufa `s ` \DI mjdie rjqudrjc tg

    wdtacr`w kgijy)8 agwjvjr wdta taj rjfjit pusa tgw`rcs erj`tjr

    i`ifd`b difbusdgi, m`ihs `ic mudbcdie sgfdjtdjs cg a`vj pgbdfdjs gi

    wa`t `btjri`tdvjs tajy f`i gnnjr.

    Saj jvdcjifj nrgk taj @]F rjsj`rfa prgojft di =

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    Sads difgisdstjify gntji stjks nrgk taj jxtr` suppgrt, tdkj `ic

    `btjri`tdvj `rr`iejkjits ta`t tajsj `coustkjits rjqudrj. Sajy

    wdbb cjpjic gi m`ih st`nn a`vdie taj tr`didie, higwbjcej `ic

    `utagrds`tdgi tg jxjrfdsj tajdr cdsfrjtdgi `ic spjic kgrj tdkj ta`i

    ta`t wadfa wgubc igrk`bby mj jxpjftjc.

    Sads f`i sgkjtdkjs fb`sa wdta m`ihs gwi prdgrdtdjs. Sgyimjj A`bb

    rjsj`rfa sagws ta`t m`ihs `bsg a`vj tajdr gwi t`rejts `ic pr`ftdfjs,

    ngr jx`kpbj ta`t m`ih k`i`ejrs tjic tg kgvj jvjry 01 kgitas `ic

    ta`t j`fa mr`ifa wdbb a`vj t`rejts ngr taj iukmjr gn `ffguits tajy

    gpji=4.

    Sads f`i jxpb`di sgkj gn taj difgisdstjify, `s jxtr` suppgrt cgjs

    igt t wdta st`nn kjkmjrs t`rejts `ic k`i`ejrs `rj igt tajrj bgie

    jiguea tg mudbc up ` rjb`tdgisadp wdta fustgkjrs. Sads rdshs k`hdieeggc, jxdmbj fustgkjr sjrvdfj ngr pjgpbj wag ijjc jxtr` tdkj `ic

    suppgrt taj jxfjptdgi r`tajr ta`i taj rubj.

    Kufa gn taj fgisubt`tdgi fgicuftjc `s p`rt gn tads rjsj`rfa `bsg

    tgufajc gi tads dssuj `ic adeabdeatjc taj cdnnjrjifj mjtwjji

    aj`c gnfj pgbdfy `ic bgf`b mr`ifa pr`ftdfj. Di p`rtdfub`r, pggr

    fgkkuidf`tdgi, sufa `s ` b`fh gn dingrk`tdgi `mgut suppgrt gptdgis

    `ic `btjri`tdvj ngrk`ts pb`fjs uiijfjss`ry m`rrdjrs di taj w`y

    gn tagsj w`itdie tg `ffjss m`ihdie sjrvdfjs6

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    Vgbutdgis

    Kjit`b f`p`fdty

    Dt ds fbj`r ta`t kjit`b f`p`fdty f`i mj ` fgkpbjx dssuj `ic ta`t `idifgrrjft oucejkjit gn f`p`fdty f`i f`usj sjrdgus prgmbjks `ic bj`c

    tg sdeidf`it i`ifd`b jxfbusdgi ngr tagsj fgifjrijc. Jqu`bby, tagsj

    ta`t cg b`fh f`p`fdty ngr sgkjtadie cg ijjc `pprgprd`tj suppgrt `ic

    prgtjftdgi tg jisurj ta`t tajy cg igt jic up di i`ifd`b cdnfubtdjs

    mjf`usj tajy `erjjc tg sgkjtadie tajy cdc igt uicjrst`ic gr

    cdc igt a`vj taj f`p`fdty tg cjfdcj. Eudc`ifj `ic tr`didie ds

    tajrjngrj rjqudrjc ngr m`ih st`nn rje`rcdie agw tg k`hj ` oucejkjit

    gn f`p`fdty `ic waji tg cjnjr dt tg taj Fgurt gn \rgtjftdgi gr gtajr

    mgcy. Sads sagubc ngfus gi agw tg suppgrt cjfdsdgi-k`hdie8 wa`t

    `coustkjits f`i mj k`cj tg n`fdbdt`tj tads8 `ic agw tg ngbbgw taj

    Kjit`b F`p`fdty @ft.

    Vt`nn sagubc mj rj`ssurjc `s tg wa`t `coustkjits tajy f`i k`hj `ic

    wa`t suppgrt tajy f`i gnnjr wdtagut mrj`fadie m`ihdie rjeub`tdgis,

    c`t` prgtjftdgi b`ws `ic gtajr bje`b prgvdsdgis wadfa a`vj gntji

    k`cj tajk f`utdgus di gnnjrdie `btjri`tdvjs. Di p`rtdfub`r, eudc`ifj

    sagubc jkpa`sdsj ta`t st`nn sagubc prgvdcj rjbjv`it `ic `ffjssdmbj

    dingrk`tdgi `ic suppgrt mjngrj qujstdgidie sgkjgijs f`p`fdty tg

    k`i`ej ` m`ih `ffguit gr k`hj gtajr i`ifd`b cjfdsdgis60.

    Nurtajrkgrj, wajrj nrgit-bdij st`nn kjkmjrs cg igt njjb `mbj tg

    k`hj ` oucejkjit, gij kjkmjr gn st`nn sagubc mj tr`dijc tg prgvdcj

    `ccdtdgi`b dingrk`tdgi `ic suppgrt. Sads sagubc jisurj ta`t fbj`r

    dingrk`tdgi ds sa`rjc `ic prgpjr oucejkjits `rj k`cj wajrj

    ijfjss`ry. Sads wdbb ajbp tg `vgdc prjk`turj oucejkjits gn b`fh gn

    f`p`fdty wadfa frj`tj prgmbjks ngr dicdvdcu`bs, tajdr i`ifd`b

    `cvgf`tjs `ic gtajr suppgrtjrs waji tajy `rj prjvjitjc nrgk

    qujstdgidie ` pgtjitd`b uib`wnub gr cdsfrdkdi`tgry cjfdsdgi mjf`usjst`nn kjkmjrs disdst gi taj `utagrdty gn taj Fgurt gn \rgtjftdgi gr

    gtajr bje`b `erjjkjit mjngrj `iy nurtajr `ftdgi, difbucdie

    jxpb`i`tdgi, f`i mj t`hji. Kgrjgvjr, dt wgubc ji`mbj kgrj pjgpbj tg

    fgitrgb tajdr gwi i`ifjs di `i `pprgprd`tjby suppgrtjc w`y, tajrjmy

    prgkgtdie i`ifd`b difbusdgi.

    =>

    60Bdvdiestgij (=

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    \rggn gn dcjitdty

    Vdkdb`rby tg taj dssujs `rguic kjit`b f`p`fdty, dt wgubc `ppj`r

    ta`t tajrj ds ` fgidft mjtwjji taj prgtjftdgi `ic fajfhs prgvdcjc

    targuea m`ihdie bjedsb`tdgi `ic taj eg`bs gn erj`tjr difbusdgi

    jxprjssjc di taj Jqu`bdty @ft `ic Kjit`b F`p`fdty @ft. Uadbst taj

    eudc`ifj jxdsts tg sagw agw tajsj twg jbjkjits ditjrrjb`tj6=, st`nn

    kjkmjrs rjqudrj taj tr`didie, suppgrt `ic dingrk`tdgi tg mj `mbj tg

    put tads ditg pr`ftdfj, sufa `s my k`hdie cjfdsdgis `mgut rj`sgi`mbj

    `coustkjits `ic fa`iejs tg st`ic`rc pr`ftdfj.

    Sajrj ds `brj`cy sdeidf`it bjedsb`tdgi `ic eudc`ifj gi `ffjptjc

    `btjri`tdvj ngrks gn prggn gn dcjitdty `ic `ccrjss, difbucdie nrgk

    m`ihs `ic mudbcdie sgfdjtdjs tajksjbvjs. @s sufa, taj ngfus di tads

    `rj` ijjcs tg mj gi dkpbjkjitdie r`tajr ta`i wrdtdie taj eudc`ifj,

    di grcjr tg prgvdcj `ffjss tg tads dingrk`tdgi ngr st`nn `ic pgtjitd`b

    fustgkjrs `ic suppgrt st`nn tg usj dt `pprgprd`tjby.

    @ffjss tg kgijy

    Gij gn taj Cgsa stgrdjs dbbustr`tjs agw eggc suppgrt f`i ji`mbj

    sgkjgij tg gpji `ic k`i`ej tajdr gwi m`ih `ffguit, wdtagut taj

    ijjc ngr `i ditjrvjitdgi nrgk taj Fgurt gn \rgtjftdgi. Udta taj

    `pprgprd`tj suppgrt, tajsj twg kji wjrj `mbj tg faggsj agw tgk`i`ej tajdr kgijy `ic `ffjss m`ihdie sjrvdfjs.

    Swg kji D suppgrt w`itjc tg a`vj `ffjss tg pjrsgi`b spjicdie

    kgijy `s tajy wjrj mgta njjbdie kgrj fgicjit di `ffjssdie

    taj bgf`b fgkkuidty `ic di faggsdie agw tg spjic tajdr kgijy.

    @s mdbbs wjrj igw mjdie p`dc gi ` rjeub`r m`sds, tajy mgta njbt

    ta`t tajy fgubc k`hj kgrj cjfdsdgis wdta tajdr gwi kgijy

    dn tajy fgubc `ffjss tajdr gwi m`ih `ffguits, wdta suppgrt dnijjcjc my st`nn. @ntjr ` fdrfbj gn suppgrt kjjtdie, `ffguits

    ngr mgta kji wjrj gpjijc.

    Sg gpji tajsj `ffguits mgta wjrj suppgrtjc tg t`hj mdbbs wdta

    tajdr i`kjs gi, ` p`sspgrt `ic ` 0 fgdi. @ mucejt w`s wgrhjc

    gut `s tg agw kufa kgijy w`s ijjcjc tg mj tr`isnjrrjc jvjry

    3 wjjhs tg taj ijw Mudbcdie Vgfdjty `ffguits `ic mgta kji

    igw f`iigt w`dt tg ejt cgwi tg tgwi tg wdtacr`w tajdr gwi

    kgijy `ic spjic dt gi wa`t tajy w`it, waji tajy w`it.(Ndi`ifd`b `cvgf`tj =m)

    =56=Sgyimjj A`bb (=

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    Dt ds dkpgrt`it ta`t m`ihs a`vj taj pgbdfdjs `ic suppgrt di pb`fj tg

    `bbgw st`nn tg k`hj taj ijfjss`ry `coustkjits tg ji`mbj sgkjgij

    tg `ffjss tajdr sjrvdfjs, difbucdie wgrhdie wdta suppgrtjrs. Uadbst

    k`iy pjgpbj usj dingrk`b suppgrt66, dt ds dkpgrt`it ta`t m`ihs

    `rj `bsg `mbj tg gnnjr tajdr gwi suppgrt gptdgis wadfa nubb tajdr

    gmbde`tdgis tg k`hj rj`sgi`mbj `coustkjits uicjr taj Jqu`bdty @ft

    (=

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    ]jfgkkjic`tdgis

    0. Nurtajr, kgrj jxtjisdvj rjsj`rfa gi `ffjss tg m`ihdie.

    Di grcjr tg mudbc gi taj trjics adeabdeatjc di tads rjpgrt, rjsj`rfa

    sagubc mj f`rrdjc gut gi taj st`tj gn `ffjss tg m`ihdie ngr pjgpbj

    wdta ` bj`ridie cds`mdbdty tgc`y. Sads wdbb prgvdcj `i upc`tj gn @]Fs

    =

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    3. Cjvjbgpkjit gn J`sy ]j`c dingrk`tdgi di bj`jts,

    `erjjkjits, m`ih st`tjkjits `ic gtajr `spjfts gn taj sjrvdfj.

    Sads sagubc mj gnnjrjc `s gij gn ` iukmjr gn `btjri`tdvj ngrk`ts gr

    fgubc jvji mj usjc di st`ic`rc cgfukjits edvji dts v`buj igt oust ngr

    pjgpbj wdta ` bj`ridie cds`mdbdty, mut ngr k`iy pjgpbj wdta cdnfubtdjs

    rj`cdie gr uicjrst`icdie i`ifd`b dingrk`tdgi. Sads sagubc mj j`sdby

    `v`db`mbj di mr`ifajs `ic gibdij `ic st`nn kjkmjrs sagubc mj `mbj tg

    sdeipgst pjgpbj tg tads dingrk`tdgi.

    :. Fbj`r, `ffjssdmbj dingrk`tdgi jxpb`didie wa`t taj b`w s`ys,

    agw tg ejt suppgrt `ic agw tg cj`b wdta prgmbjks.

    Dt ds dkpgrt`it ta`t jvjrygij divgbvjc a`s taj dingrk`tdgi tajy ijjc

    tg ejt taj sjrvdfj `ic dingrk`tdgi tajy `rj cuj, tg higw wa`t tg `shngr `ic tg uicjrst`ic taj cdnnjrjit pjrspjftdvjs gn tagsj, sufa `s

    m`ih st`nn, ta`t tajy `rj wgrhdie wdta. Sads sagubc mj k`cj `v`db`mbj

    tg pjgpbj wdta ` bj`ridie cds`mdbdty, tajdr suppgrt wgrhjrs, `cvgf`tjs,

    `ic n`kdby kjkmjrs.

    My edvdie jvjrygij taj dingrk`tdgi tajy ijjc, wj f`i jisurj ta`t

    tajy wgrh fgistruftdvjby wdta m`ihs tg ejt taj suppgrt tajy ijjc `ic

    f`i agbc m`ihs tg `ffguit waji tajy `rj igt gnnjrdie taj suppgrt

    tajy `rj cuj.

    Cgsa ds di taj prgfjss gn cjvjbgpdie ` mgghbjt ngr tads purpgsj. Sads

    wdbb difbucj dingrk`tdgi gi taj Kjit`b F`p`fdty @ft `ic Jqu`bdty @ft8

    eudc`ifj gi wa`t rjeub`tdgis m`ihs `rj sumojft tg `ic agw tajy

    sagubc mj mja`vdie8 `s wjbb `s ` sukk`ry gn cdnnjrjit tadrc p`rty

    suppgrt gptdgis `ic agw tg cj`b wdta prgmbjks. @t taj jic, dt wdbb

    difbucj ` bdst gn usjnub rjsgurfjs ngr nurtajr dingrk`tdgi gi hjy dssujs.

    Uj bggh ngrw`rc tg fgitrdmutdgis nrgk gur p`rtijrs di m`ihdie `ic taj

    tadrc sjftgr tg jisurj dts suffjss.

    6

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    Fgifbusdgi

    @ffjss tg m`ihdie sjrvdfjs ds mjfgkdie `i difrj`sdieby dkpgrt`it

    tggb ngr i`ifd`b difbusdgi `s taj pjrsgi`bds`tdgi `ejic` edvjs pjgpbj

    difrj`sdie fgitrgb gn tajdr f`rj `ic suppgrt, difbucdie k`i`ediepjrsgi`b mucejts, `ic prgkgtjs fgitrgb `ic dicjpjicjifj. @ffjss

    tg ` m`ih `ffguit `bbgws sgkjgij tg fgitrgb, k`i`ej `ic `ffjss

    tajdr kgijy di taj w`y ta`t tajy w`it. Ngr k`iy pjgpbj, tads ds

    t`hji ngr er`itjc `ic yjt tads rjsj`rfa a`s sagwi ta`t ngr k`iy

    pjgpbj wdta ` bj`ridie cds`mdbdty tads m`sdf `ffjss ds cjidjc gr k`cj

    kgrj cdnfubt my ` b`fh gn suppgrt `ic uicjrst`icdie wdtadi m`ihs

    `ic mudbcdie sgfdjtdjs.

    Sads rjsj`rfa a`s adeabdeatjc ngur hjy dssujs di rjb`tdgi tg tads?

    kjit`b f`p`fdty, prggn gn dcjitdty, `ffjss tg kgijy `ic fgisdstjify gn

    sjrvdfj `ic dingrk`tdgi. Udtadi tajsj, ` iukmjr gn fgkkgi tajkjs

    jkjrejc, igt`mby `rguic b`fh gn fb`rdty `mgut agw tg rjfgifdbj taj

    difbusdvj `ic suppgrtdvj kjss`ej gn taj Kjit`b F`p`fdty @ft `ic

    Jqu`bdty @ft wdta taj sjfurdty `ic rjeub`tdgis ngfus gn m`ihdie b`ws.

    Sajsj prgmbjks wjrj fgkpguicjc my taj difgisdstjify mjtwjji taj

    sjrvdfj `ic dingrk`tdgi rjfjdvjc di cdnnjrjit mr`ifajs wadfa sjjkjc

    tg stjk nrgk aj`c gnfj pgbdfdjs igt mjdie jnnjftdvjby fgkkuidf`tjc

    tg, gr dkpbjkjitjc di, mr`ifajs, `s wjbb `s ` b`fh gn eudc`ifj `ic

    tr`didie ngr `bb st`nn.

    Sads rjpgrt tajrjngrj k`hjs vj rjfgkkjic`tdgis wadfa f`bb ngr

    nurtajr rjsj`rfa, dkprgvjc eudc`ifj ngr st`nn, tr`didie, `ffjssdmbj

    dingrk`tdgi `ic eudc`ifj ngr pjgpbj wdta ` bj`ridie cds`mdbdty `ic

    tajdr suppgrtjrs. Sads wdbb rjqudrj fggpjr`tdgi mjtwjji taj m`ihdie

    sjftgr, suppgrt gre`ids`tdgis difbucdie Cgsa `ic k`iy gtajrs di

    grcjr tg frj`tj ` fgbb`mgr`tdvj `ic kutu`bby-mjijfd`b sgbutdgi wadfa

    wdbb prgkgtj taj i`ifd`b difbusdgi gn pjgpbj wdta ` bj`ridie cds`mdbdty

    `ic k`iy gtajrs ta`t `rj furrjitby jxfbucjc nrgk m`ihdie sjrvdfjs.

    Cgsa agpjs ta`t tads rjsj`rfa wdbb prgvdcj ` st`rtdie pgdit ngr tads

    wgrh `ic bgghs tg gtajrs di tads jbc tg suppgrt dts cjvjbgpkjit. Sads

    wdbb jisurj ta`t jvjrygij f`i jxjrfdsj tajdr rdeat tg m`ihdie, t`hj

    fgitrgb gn tajdr kgijy `ic bj`c dicjpjicjit bdvjs.

    60

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    Bdst gn gibdij rjsgurfjs

    @ sagrt bdst gn ` njw hjy rjsgurfjs di tads `rj`.

    J`sy ]j`c dingrk`tdgi `ic suppgrt

    MDBC `ic M`rfb`ys m`ihdie vdcjgs `ic J`sy]j`c kgijybdihs

    Saj K`hdie Kgijy J`sdjrrjsgurfjs nrgk Zidtjc ]jspgisj

    Saj Kgijy K`ttjrs tg Kjwjmsdtj

    Kgijy K`cj Fbj`r Ajbp Bgghdie @ntjr Tgur Kgijy

    M`ihdie

    Mrdtdsa M`ihjrs @ssgfd`tdgi (=

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    ]jsj`rfa & eudc`ifj

    @]F (=

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    Mdmbdger`pay

    Mrdtdsa M`ihjrs @ssgfd`tdgi (=

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    Udbbd`ks, ., Ojpsgi, K., S rbjtgi, M., K`rrdgtt, @. `ic \gitdie, B.,

    (=

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    Udta ta`ihs

    Cgsa wgubc bdhj tg ta`ih taj ngbbgwdie pjgpbj `ic gre`ids`tdgis ngr

    tajdr suppgrt curdie tads rjsj`rfa.

    \bj`sj igtj ta`t tads cgjs igt fgistdtutj `i jicgrsjkjit my Cgsa gn `iy gre`ids`tdgi

    gr dicdvdcu`b.

    Jqu`bby, taj dicdvdcu`bs `ic gre`ids`tdgis kjitdgijc ajrj cg igt ijfjss`rdby

    rjfgkkjic gr jicgrsj tads rjsj`rfa gr Cgsa.

    6>

    Hjdta M`tjs

    @icrjw Mrdeat

    Jb`dij F`ss

    Idsa` C`rmy

    _gj Cdxgi

    @bdsgi Dier`k

    ]`fajb Hdbbdfh

    Cd`ij Bdeatnggt

    Vadrbjy \gttjr

    Ogrc`i` ]`k`bag

    K`ry-@iij ]`ihdi

    Idfh U`uea

    B`ur` Uadshjrc

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    @ppjicdx

    Vtgrdjs nrgk Cgsa

    Ndi`ifd`b `cvgf`tj 0

    D a`vj sgkj k`ogr dssujs wdta taj m`ihs `ic a`vj mjji tg jvjry

    adea strjjt mr`ifa di ***Xtgwi[*** tg try `ic gpji bgf`b `ffguits ngr

    taj pjgpbj wj suppgrt mut tajy cg igt sjjk tg w`it taj musdijss.

    Dvj a`c tg tarj`tji jxdstdie mr`ifajs wdta cdsfrdkdi`tdgi waji tajy

    a`vj rjnusjc tg `bbgw sdei`tgry fa`iejs jtf.

    Zp tg ` njw kgitas `eg taj ***Xm`ih[*** gnnjrjc ` MN:5 `ffguit

    wadfa cdc `s sueejstjc `ic `bbgwjc `i `ffguit tg mj gpjijc `ic

    `ckdidstjrjc my taj `ppgditjj. D gpjijc gij sufa `ffguit mut sdifj

    taji tads n`fdbdty a`s mjji wdtacr`wi `ic tajy f`i gnnjr ig gtajr

    prgcufts tg sudt taj pjgpbj wj suppgrt. Saj m`ihs `rj x`tjc gi

    \gwjrs gn @ttgrijy gr Fgurt @ppgditjc Cjputdjs `ic cg igt sjjk tg

    w`it tg wgrh gutsdcj tajsj rjstrdftdgis.

    Ndi`ifd`b `cvgf`tj =`

    @i dicdvdcu`b, H, a`c ` s`vdies `ffguit `t taj *** Mudbcdie Vgfdjty

    *** mr`ifa wdta `rguic 03,

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    D wrgtj tg *** `shdie way tads `ftdgi a`c mjji t`hji mut w`s dingrkjc

    ta`t tajy wgubc giby t`bh tg ` FG\ cjputy `ic rjnjrrjc kj tg taj

    aj`c gnfj.

    H. cdjc di b`tj Cjfjkmjr =

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    Ndi`ifd`b `cvgf`tj 3

    Igij gn taj dicdvdcu`bs D furrjitby suppgrt a`vj tajdr gwi m`ih

    `ffguits `ic ijdtajr D Xi[gr tajdr fdrfbj gn suppgrt `rj `w`rj gn `iy

    n`kdby kjkmjrs agbcdie `ffguits ngr tajk.

    Ndi`ifd`b `cvgf`tj :

    ***Xf`rj `ic suppgrt gre`ids`tdgi[*** - (wajrj wj `rj taj

    `ppgditjjs), `bb gn taj pjgpbj tajy suppgrt a`c *** Mudbcdie Vgfdjty

    `ffguits wdta ` Sj`k Bj`cjr `s ` sjfgic`ry sdei`tgry. Saj

    Mudbcdie Vgfdjty tgbc ***Xgre`ids`tdgi[*** ta`t tajy wjrj igt a`ppy

    wdta tagsj hdic gn `ffguits `iykgrj, sg ***Xgre`ids`tdgi[*** trdjc tg

    gpji ***Xm`ih[*** `ffguits `ic fbgsj taj ***Xmudbcdie sgfdjty[***

    `ffguits. Sajy wjrj suffjssnub, `p`rt nrgk = pjgpbj.

    Uaji wj trdjc tg gpji taj b`st = `ffguits, (tajy `shjc kj tg mj

    prjsjit `s taj `ppgditjj), wj wjrj tgbc ta`t ***Xm`ih[*** wjrj igt

    gpjidie st`ic`rc m`ih `ffguits ngr Xtaj pjgpbj wj suppgrt[ `iykgrj

    (gr D eujss pjgpbj wdta bj`ridie cds`mdbdtdjs) `ic ta`t tajy fgubc giby

    gpji `ppgditjj m`ih `ffguits, wajrj wj wgubc a`vj tg `ppby ngr

    ` fgurt gn prgtjftdgi grcjr, dn gmt`dijc, sjic ` bjttjr fgirkdie taj

    pjrsgis `ssjts wdta ` MN:5 bjttjr nrgk CU\. Dn `ssjts `rj kgrj ta`i

    6:

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    30

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    @utagr? Kjdhj Mjfhngrc

    Cgsa Btc. Njmru`ry =