oo&

r

 o &
o

  o &,QWURGXFWLRQWR&

n oo&no 
} o&
o  n   o
o onn
n &
nro
r ro

ro














 :ULWHVWULQJWRRXWSXWGHYLFH 
LQFOXGHVWGLRK!
PDLQ
^
SULQWI+HOOR:RUOG
UHWXUQ
` (QGPDLQ 


} r  n
   o  
o 
}{rn j VWGLRK o n
FRPSLOHU  jVWGLRK}j{r
o or
{rPDLQ}{r }o
}o{rPDLQ
r
nr

oo&
r





 o &
o

{r SULQWI }{rnj VWGLRK oro


nn
}{rPDLQ

n ro
r roo
no

ro

y













 :ULWHVWULQJWRRXWSXWGHYLFH 
LQFOXGHVWGLRK!
PDLQ
^
SULQWI?W+HOOR?Q
SULQWI?W:RUOG
UHWXUQ
`  (QGPDLQ 


n
o{rSULQWInno o o r
nrn oo?Wno o?Q
nn
}{rPDLQ

r
nr

oo&
r

 o &
o

n r nr
r r  oo
r

ro




















 SULQWUXQQLQJQXPEHU 
LQFOXGHVWGLRK!
PDLQ
^
LQWL
IRUL L L L
^
SULQWI?WG?QL
`  (QGIRU 
UHWXUQ
`  (QGPDLQ 


n
L oo}LQW
}IRU
}ro}L  r}L 
rno L L
}rn L n rnoG
n

r
nr

oo&
r

 o &
o

n o
r r n o
ooonnnn no
nnr}

ro





















 DULWKPHWLFH[SUHVVLRQ 
LQFOXGHVWGLRK!
PDLQ
^
LQWL
SULQWI?WL?WL ?WL ?WL ?WL ?Q
 FROXPQKHDGHU 
IRUL L  L L
^
SULQWI?WG?WG?WG?WG?WG?QLL L L L 
` (QGIRU 
UHWXUQ
` (QGPDLQ 


nn
}r
}IRUrnr
rn L nnLon
rG on no r

onoo

r
nr

oo&
r

 o &
o

n ro ooo

r r  oooo
nn

ro




















 DULWKPHWLFH[SUHVVLRQ 
LQFOXGHVWGLRK!
PDLQ
^
LQWLPD[
SULQWI3OHDVH(QWHUWKHYDOXHJUHDWHUWKDQ
VFDQIG PD[
SULQWI?WL?WL ?WL ?WL ?WL ?Q
IRUL L PD[L L
^
SULQWI?WG?WG?WG?WG?WG?QLL L L L 
` (QGIRU 
UHWXUQ
` (QGPDLQ 


{rVFDQI}{rj VWGLRKnjr
oPD[on o
onoo
r
nr

oo&
r

 o &
o

n  one
@ oo
n oon
eo oooo
oo or oroo
no &
n
@  r
r

&DSLWDO ;;;;;;;; EDKWV

,QWHUHVW5DWH  

<($5
 *5$1'727$/EDKWV
r

;;;;;;;;
 

;;;;;;;;
 

;;;;;;;;
 

;;;;;;;;
 

;;;;;;;;
 
@ o o
o
o

JUDQGBWRWDO
IORDW

,17(5(67
IORDW
n }n
L
LQW
e 
@ 
A o
A o o
o JUDQGBWRWDO
A r
r KHDGLQJ 

r
nr

oo&
r






















 o &
o

rrFROXPQKHDGLQJ
A r
i n  L n
e oen  o
en 
JUDQGBWRWDO JUDQGBWRWDO ,17(5(67JUDQGBWRWDO
r LJUDQGBWRWDO
A
@ 
 6KRZFDSLWDODQGLWHUHVWDIWHUHDFK\HDU 
LQFOXGHVWGLRK!
GHILQH,17(5(67
PDLQ
^

IORDWJUDQGBWRWDO
LQWL
SULQWI(QWHU\RXUILUVWDPRXQW
VFDQII JUDQGBWRWDO
SULQWI&DSLWDO?W?WIEDKW?QJUDQGBWRWDO ?W WDE?Q QHZOLQH 
SULQWI,QWHUHVW5DWH?W?WI??Q,17(5(67
SULQWI?W<($5?W?W*5$1'727$/?EDKWV??Q
IRUL L L L
^
JUDQGBWRWDO JUDQGBWRWDO ,17(5(67JUDQGBWRWDO
SULQWI?WG?W?WI?QLJUDQGBWRWDO
` (QGIRU 
UHWXUQ
` (QGPDLQ 

ro

r
nr

oo&
r

 o &
o


 } o  o r
onoo ooo

}oo
    FRPSLOHU nn}

oo VODVK DVWHULVN 

o   DVWHULVN VODVK 
oonon
n    oo
r      oo }
  n noo
nSUHSURFHVVRU
n} &  n
n n  o  &RPSLOHU  n n 
SUHSURFHVVRU  n  oo VKDUS
on  nn on
oo
 LQFOXGHVWGLRK!
 r r oo jVWGLRKo
 n o  n
nLQFOXGH VWGLRK! nojVWGLRK   oj
VWGLRK }{roo }

n  

r
nr

oo&
r

 o &
o

 GHILQH1$0(9$/8(
}n  SUHSURFHVVRU o  n FRQVWDQW
n
GHILQH1$0(9$/8(
no no 1$0( GHILQHo r 
non  o no
n SUHSURFHVVRUo no n 
norn on

n  }
GHILQH,17(5(67
 SUHSURFHVVRU   GHILQH n  o  n
on o nn
,17(5(67nn
on  onooon
non  n nn
n nnnnnnoo
{r PDLQ
{r&on
 n{r o {rr o
r {r n {r
nPDLQn ron
{r
onn  {r  n
noed^doed `
n  n

r
nr

oo&
r





PDLQ
^



 o &
o


{r{r
 n
 {r

{r  PDLQ }{r 

 }o
no{rPDLQno

ooo n 

IORDWJUDQGBWRWDO
LQWL
n JUDQGBWRWDOo}IORDWLo}
}LQW
}n VWRUDJH o
o} LQW nnoo}

   n
n }n}nrno
no onn
L L   n  }nL o
L
r
nr

oo&
r

 o &
o

{r SULQWI
SULQWI }{rnj VWGLRK ooooo
oo oo LQFOXGH on   LQFOXGH VWGLRK! ono
o rrnn

SULQWIvFRQWUROVWULQJwDUJDUJDUJhDUJQ
SULQWIno FRQWUROVWULQJno
 n oo   
}on
G o
I o
FRQWUROVWULQJor n
SULQWI(QWHUWKHYDOXHJUHDWHUWKDQ
SULQWI?WG?W?WW?QLJUDQGBWRWDO
r L  JUDQGBWRWDO   r}r
o
ono SULQWI rr
on nnnonno o
}
 VFDQI
VFDQI }{rnj VWGLRK ooo o o
oo oo LQFOXGH on   LQFOXGH VWGLRK! ono
o rrnn

VFDQIvFRQWUROVWULQJw DUJ DUJ DUJh DUJQ
r
nr

oo&
r

 o &
o

FRQWUROVWULQJn{rSULQWI on {r VFDQI

ro o
n oojr

ro












 5HFHLYHPRUHWKDQRQHLQSXWIURPNH\ERDUG 
LQFOXGHVWGLRK!
PDLQ
^
IORDWQXPQXPQXP
SULQWI(QWHUQXPEHUV
VFDQIIII QXP QXP QXP
SULQWI7KHDYHUDJH ?WI?QQXPQXPQXP
UHWXUQ
`  (QGPDLQ 

jo on oonnn on





o on
I
 onoo
  UHWXUQ
o{ronn{ro
 n UHWXUQ n
UHWXUQ
nn{ro 

r
nr