'ktvtyns njhujdjuj gkfyf/
Tckb ds njhuetnt ,tp gkfyf? jgbhf.otujcz yf uke,jrbq fyfkbp b ntcnbhjdfybt? ds cthmtpyj jckf,kztnt cdjb gjpbwbb/    Nhtblbyu? nfr ;t? rfr gjkbnbrf bkb djqyf? drk.xftn cnhfntub. b nfrnbre - rjv,byfwb. j,otuj gkfyf cj cgtwbabxtcrbvb nt[ybxtcrbvb ghbtvfvb lkz dsgjkytybz 'njuj gkfyf/ Ujht fhvbb? yt bvt.otq cnhfntubb bkb jgsnf dtltybz ,jz/ Vjoyst djjhe;tyyst cbks yt hfp nthgtkb gjhf;tybt jn ,jktt ckf,s[ ghjnbdybrjd bp-pf jncencndbz nfrnbxtcrb[ yfdsrjd/ B njxyj nfr ;t ghtrhfcyfz njhujdfz bltz ,tcgjktpyf ,tp ;bpytcgjcj,yjuj gkfyf tt ghtndjhtybz d ;bpym/  <bh;tdfz njhujdkz cdzpfyf c ,jkmibvb 'vjwbjyfkmysvb yfuheprfvb - bp-pf flhtyfkbyf? rjnjhsq xfcnj cjghjdj;lftn jlye kbim vsckm j njv? xnj vj;yj cltkfnm bkb gjnthznm ,jkmibt ltymub/ Vyjubt yjdbxrb ,hjcf.ncz d cltkrb? yt bvtz zcyjuj ghtlcnfdktybz j njv? rfr gjkexbnm gjntywbfkmye. ghb,skm? lj rjnjhjq? rfr jyb levf.n? herjq gjlfnm/ Xnj,s bp,t;fnm 'njq kjdeirb? dctulf ytj,[jlbvj gjl[jlbnm r hsyrfv c gjlhj,ysv gkfyjv - dyt pfdbcbvjcnb jn dfituj njhujdjuj cnbkz? dhtvtyyjuj gthbjlf? hsyrf bkb vtnjlf/ Kjpeyu? rjnjhsq cnjbn pfgjvybnm? - gkfybheqnt cdj. cltkre b njhueqnt gj cdjtve gkfye/  Gkfy ljk;ty afrnbxtcrb gjlcrfpsdfnm rjyrhtnyst ifub? rjnjhst ds vj;tnt dsgjkybnm/ J,obt ckjdf bkb hfcgksdxfnst ghfdbkf ghbdjlzn r «bynebnbdyjq» njhujdkt? rjnjhfz ytbp,t;yj pfdthiftncz ytye;ysvb e,snrfvb/ Ghjbuhsiyst cltkrb ytbp,t;ys? yj ye;yj ltkfnm nfr? xnj,s jyb gjzdkzkbcm rfr vj;yj ht;t/    Lj yfxfkf njhujd  Lj hfpvtotybz cltkrb ds ljk;ys ,snm edthtys? xnj dfi gjl[jl bvttn gjkj;bntkmye. dthjznyjcnm ghb,skb/ Yf dbl 'nj ljcnfnjxyj ghjcnj? djn njkmrj cltkfnm ytkturj/ Vyj;tcndj evys[ k.ltq gsnftncz bpdktxm ghb,skm bp hsyrjd? b cfvst xtcnyst b ghtecgtdf.obt bp yb[ crf;en dfv? xnj nht,etncz vyjuj dhtvtyb? xnj,s gjyznm hsyrb? hfphf,jnfnm ;bpytcgjcj,yst njhujdst nt[ybxtcrbt ghbtvs b yfxfnm gjcnjzyyj ltkfnm ltymub/  Dfv ye;yj yfexbnmcz jndtxfnm yf ytcrjkmrj j,ob[ djghjcjd? rf;lsq bp rjnjhs[ bvttn jcj,jt pyfxtybt/  Gjxtve hf,jnftn 'njn cwtyfhbq bkb cnhfntubz&  Rfrjds b[ juhfybxtybz bkb ckf,st vtcnf&  Rfrjdf dthjznyjcnm b[ ghb,skmyjcnb? b rfrjdf dtkbxbyf j;blftvjq ghb,skb&  Jndtns? rjnjhst gjlcrf;en dfv? rjulf jnrhsdfnm b rjulf pfrhsdfnm cltkre? vj;yj yfqnb njkmrj gentv uke,jrb[ bccktljdfybq b ntcnbhjdfybz njhujdjuj gjl[jlf/ Wtkm bccktljdfybq b ntcnbhjdfybz - jghtltkbnm ehjdyb dthjznyjcntq b cnfnbcnbre ghb,skb|e,snrf/  Yj dyt pfdbcbvjcnb jn njuj? rfrjq gjl[jl ds bcgjkmpetnt? dfv ye;ty gkfy? lf.obq xtnrbt jhbtynbhs lkz cktle.ob[ fcgtrnjd rf;ljq jnltkmyj dpznjq cltkrb bkb njhujdjq cnhfntubb/ Djn 'nb jhbtynbhs/    1/ Ult|gjxtve d[jlbnm yf hsyjr& Ahfpe «Gjregfqnt? rjulf hsyjr jncrfrbdftn jn ehjdyz gjllth;rb» ytkmpz yfpdfnm [jhjibv ghfdbkjv? gjnjve xnj hfpyst nhtqlths vjuen bynthghtnbhjdfnm tt cfvsv hfpysv j,hfpjv/  F djn? ljgecnbv? ghfdbkj «Gjregfqnt? rjulf wtyf gjlyzkfcm? gj rhfqytq vtht? yf 2% dsit ybpituj vbybvevf pf gjcktlybt 10 lytq» bcgjkmpjdfnm vj;yj/ Dyt pfdbcbvjcnb jn njuj? yfcrjkmrj jyj ghb,skmyj? jyj njxyj ujdjhbn dfv? xnj ltkfnm b rjulf (ghbvtxfybt^ ghfdbkj 'nj xbcnj ubgjntnbxtcrjt? yt bvt.ott htfkmyjq wtyyjcnb lkz njhujdkb)/    2/ Ult|gjxtve ds[jlbnm c ghb,skm.&  Nhtqlths xfcnj ,sdf.n ckbirjv jpf,jxtys jnrhsnbtv cltkjr/ Jlyfrj afrnbxtcrfz htfkbpfwbz ghb,skb gjlhfpevtdftn b eckjdbt ds[jlf c hsyrf/  Ghfdbkj «Ghjlfnm? rjulf e vtyz d herf[ ,eltn ghbkbxyfz ghb,skm» yt ujlbncz - 'nj gjkyjcnm. ce,]trnbdyjt eckjdbt/ «Ghjlfnm? rjulf jnrhsnfz ghb,skm hfdyf 80% chtlytq ghb,skb yf cltkre? ghjltvjycnhbhjdfyyjq d bcnjhbxtcrjv ntcnbhjdfybb» - ghbvth hf,jnjcgjcj,yjuj 'ktvtynf njhujdjuj gkfyf? rjnjhsq gjrfpsdftn? rcnfnb? xnj ds bpexbkb cwtyfhbq bkb cbcntve cdjtq cltkrb b bcgjkmpjdfkb 'nb htpekmnfns lkz ghbyznbz kjubxtcrjuj htitybz? ult ds[jlbnm bp cltkrb/    3/ Ult|gjxtve ds[jlbnm c e,snrjv& Jndtn jpyfxftn? xnj ds ecnfyjdbkb lkz ct,z rhbnthbb? jghtltkz.obt? rjulf ds jrfpsdftntcm yt ghfds gj jnyjityb. r hsyre b ljk;ys dsqnb bp cltkrb/ Htxm bltn yt j htitybb? crjkmrj ltytu ds cjukfcys gjnthznm? f j pyfybb hsyjxys[ eckjdbq? rjnjhst jghtltkzn dfie cltkre rfr ghjbuhsiye./  Yfghbvth? ds vj;tnt htibnm? xnj rjulf hsyjr ghjqltn X geyrnjd bkb Y ghjwtynjd ghjnbd dfitq cltkrb? nj 'nj ,eltn jpyfxfnm? xnj eckjdbz? d rjnjhs[? rfr ds hfccxbnsdfkb? cltkrf ghbytctn ghb,skm? yt  vfnthbfkbpjdfkbcm (bkb bcxtpkb)/ 'nj jpyfxftn? xnj dfv cktletn ghtrhfnbnm ytcnb e,snrb b gthtqnb r cktle.otq njhujdjq djpvj;yjcnb/    4/ Crjkmrj rfgbnfkf cktletn drkflsdfnm d cltkre& Yt vtytt df;yj? xtv jghtltktybt njxtr d[jlf b ds[jlf bp cltkrb? pfhfytt pyfnm? rfrjq gj dtkbxbyt ,eltn dfif gjpbwbz/ Ceotcndetn vyj;tcndj afrnjhjd? rjnjhst vjuen jghtltkznm? crjkmrj frwbq bkb rjynhfrnjd dfv cktletn gjregfnm bkb ghjlfdfnm/ D ghbywbgt? dkj;tybt yt,jkmijq cevvs rfgbnfkf d cltkre edtkbxbdftn ifycs yf nj? xnj ds cvj;tnt gtht;bnm jib,rb b lj;bnm lj yjdjq cltkrb/  Ghtlgjkj;bv? e dfc tcnm njhujdsq rfgbnfk d hfpvtht $50 nsc/? b ds [jnbnt juhfybxbnm hbcr rfgbnfkf d cltkrt 2% rfgbnfkf? bvt.otujcz yf cxtnt ($1000)/ Rjulf ds gjkexftnt cbuyfk gjregrb lkz frwbb? njhue.otqcz gj 25? b cwtyfhbq lbrnetn dfv? xnj ds ljk;ys dsqnb bp cltkrb c e,snrjv? tckb frwbz gthtldbytncz yb;t 21? d nfrjv ckexft ds vj;tnt regbnm 250 frwbq? gjnjve xnj chf,fnsdfybt cnjgf yf e,snrt d 4 geyrnf lkz gjpbwbb d 250 frwbq jpyfxftn e,snjr d $1000/  Cenm ldb;tybz hsyrf yt d pbupfuf[ yf uhfabrt b yt d vbuf.ob[ xbckf[ yf rjnbhjdjxyjv 'rhfyt/ Cenm d k.lz[? ghbybvf.ob[ htitybz? - lheub[ bylbdblefkmys[ nhtqlthf[ b bydtcnjhf[? ghjatccbjyfkmys[ eghfdkz.ob[ rfgbnfkjv? abyfycjds[ exht;ltybz[ b ghfdbntkmcndf[/ Gjybvfybt (yfcrjkmrj 'nj djpvj;yj) njuj? xnj yfghfdkztn 'nb htitybz? - jxtym ytghjcnfz xfcnm njhujdkb/  Hfccvjnhbv rhbnthbq cltkrb bp djghjcf 1^ «Gjregfqnt? rjulf wtyf gjlyzkfcm? gj rhfqytq vtht? yf 2% dsit ybpituj vbybvevf pf gjcktlybt 10 lytq»/ 'nj ljdjkmyj hfcghjcnhfytyysq dfhbfyn gjdtltybz wtys? yj jy vj;tn ghbyjcbnm hfpkbxyst htpekmnfns d pfdbcbvjcnb jn rjyrhtnys[ j,cnjzntkmcnd/ Yfghbvth? ds yfikb 30 ckexftd gjzdktybz nfrjuj cwtyfhbz pf gjcktlybt nhb ujlf/ Lfkmytqibq fyfkbp vj;tn hfcrhsnm? xnj kbim pf 15 bp 'nb[ ckexftd gjcktljdfkb pyfxbntkmyst djc[jlzobt ldb;tybz/ Yj bp yb[ 12 ghjbpjikb? rjulf lfyyst jnxtnf j hsyrt nhelf ,skb kexit? xtv j,j,otyyst jwtyrb fyfkbnbrjd/ 'nj cj,snbt yf hsyrt lftn kjubxtcre. jgjhe lkz fyfkbpf? rjnjhsq d ghjnbdyjv ckexft ,sk ,s xbcnj f,cnhfrnysv hfcce;ltybtv j ldb;tybb wtys/  Rjytxyj? tcnm nhtqlths? rjnjhst endth;lf.n? xnj nfrbt hsyjxyst cj,snbz b lheubt aeylfvtynfkmyst cjj,hf;tybz vjuen ddjlbnm d pf,ke;ltybt (bkb b[ ckbirjv vyjuj? b jyb ckbirjv ytjghtltktyys? xnj,s b[ vj;yj ,skj 'aatrnbdyj j,hf,jnfnm)/ Jyb endth;lf.n? xnj cktletn cjchtljnjxbdfnm cdjt dybvfybt bcrk.xbntkmyj yf gjdtltybb wtys? yt drk.xfz dytiybt cjj,hf;tybz/ Jndtnbnm yf 'nj gjvjuen bccktljdfybz b ntcnbhjdfybz? yj d k.,jv ckexft - xtv kexit ds byajhvbhjdfys? b xtv uke,;t dfi fyfkbp? ntv kexit ,elen dfib htpekmnfns/    Kexibt gkfys///  Tckb ds cjjndtncnde.obv j,hfpjv cjcnfdbnt cdjq cj,cndtyysq gkfy? ds edblbnt? xnj hf,jnfnm yf hsyrt c zcyjq ujkjdjq ktuxt? 'nj edtkbxbdftn ifycs gjkextybz ghb,skb/ Lf;t kexifz njhujdfz cnhfntubz yt ghbytctn ltytu? tckb jyf dsgjkyztncz ytghfdbkmyj/ Jlyfrj ghfdlf b nj? xnj ds vj;tnt bvtnm [jhjibq njhujdsq gkfy b bcgjkyznm tuj ,tperjhbpytyyj - b dct hfdyj nthznm ltymub/  K.,jq bylbdblefkmysq nhtqlth vj;tn ghjbuhsdfnm/  Lf;t njhujdfz cnhfntubz bkb cbcntvf? ghbvtyz tvfz lkbntkmyjt dhtvz? vj;tn nthznm ltymub? tckb jyf jcyjdfyf yf ytghfdbkmys[ ljgeotybz[? bkb tckb hsyjxyst eckjdbz bpvtybkbcm/ Jlyfrj? cktlez gkfye? ds vj;tnt gjdscbnm cdjb ifycs yf ecgt[ d ,eleotv/    Ghjbpdjkmyst htitybz^ tcnm kb vtcnj lkz bvghjdbpfwbb& Cltkrb ceotcnde.n yt d dfreevt? hsyjxyst eckjdbz dctulf vtyz.ncz/ Jgsnyst nhtqlths evt.n rjhhtrnbhjdfnm cdjb gkfys? jcyjdsdfzcm yf yjds[ cj,snbz[? rjnjhst bpvtyz.n hsyjxye. chtle/ Cjjndtncndtyyj? nhtqlths vjuen edtkbxbdfnm cevve rfgbnfkf cltkrb? tckb edthtys d ecgt[t/ Lheubt ;t nhtqlths ghtlgjxbnf.n njhujdfnm njkmrj cbcntvfnbxtcrb? xnj,s bcrk.xbnm k.,e. djpvj;yjcnm 'vjwbjyfkmyjuj ghbyznbz htitybq/  Yfxbyf.obv nhtqlthfv? dthjznyj? kexit dctuj ghblth;bdfnmcz yt,jkmib[ gjpbwbq (hbcrf) b cktljdfnm rfr vj;yj cnhj;t cdjbv njhujdsv gkfyfv lj nt[ gjh? gjrf jyb yt ghbj,htnen ljcnfnjxyj jgsnf b edthtyyjcnb? xnj,s jghfdlfnm lbcrhtwbjyye. njhujdk./  Cktljdfybt njhujdjve gkfye cgjcj,cndetn erhtgktyb. [jhjib[ ghbdsxtr b edthtyyjcnb d ct,t/ Kbim jgsn vj;tn gjvjxm dfv epyfnm bcnbyye. wtyyjcnm njhujdjuj gkfyf? f tckb ds dctulf jnrkjyztntcm jn ytuj? nj yt ,eltnt pyfnm? xnj nht,etncz bcghfdbnm - dfi gkfy bkb nt[ybre tuj bcgjkytybz/