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KSZ XNZO ZOC KIJ, NG XNZO ZOC GCX

Ng ycmrs pmst, prnkr tk toc ngtrkju`tnkg ka OMV\, wocg toc okusng

!mr"ct wms #kk!ng mgj $m%ucs scc!cj tk `%n!# onocr mgj onocr ngtk toc

strmtkspocrc, ok!ckwgcrs gc$cr c$cg `kgsnjcrcj tocnr C&SNZ' \K(NZNKG)

*mg"s rc%y ocm$n%y kg Ikmg Zk +m%uc wocg jctcr!ngng toc rns"ngcss ka

m %kmg) Ng toc k%jcg jmys, #krrkwcrs omj put jkwg -./ tk

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prc$nkus $crsnkg ka OMV\, prk$njcj tons prkrm! kg%y up tk 9-8/ IZ+,

!cmgng m #krrkwcr `ku%j rcangmg`c m %kmg ka 49.8,... c$cg tokuo toc ok!c

wms kg%y wkrto 49..,...) 'ku `mg n!mngc okw %ntt%c tons oc%pcj ok!ckwgcrs

m`rkss toc `kugtry ms tocy wcrc kg m$crmc ugjcrwmtcr #y mt %cmst ?./)

Gkw toc gcw OMV\ prkrm!OM( GK IZ+ 7M\;Zons prkrm! wn%% #c

kpcg tk !n%%nkgs !krc mgj wn%% prk$njc m !m5kr #kkst tk toc pk`"cts ka

M!crn`mgs ng toc akr! ka IKXCV !kgto%y !krtmc pmy!cgts) Zons ns ngtcgjcj

tk #c m !m5kr stn!u%us tk M!crn`mg okuscok%js mgj toc c`kgk!y mt %mrc)

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'KSV IK7MI *MGL XNII GKZ LGKX

M*KSZ ZON( \VK3VM=

'ku sn!p%y `mggkt wm%" ngtk toc %k`m% #mg" gkr pokgc toc %kmg

kaan`cr wok yku !my om$c #ccg wkr"ng wnto torkuokut toc ycmrs)

Zons prkrm! ns kg%y m$mn%m#%c torkuo =KVZ3M3C (CV+N7CV(

wok wkr" akr k$crg!cgt cgtntncs %n"c mggnc =mc mgj rcjjnc =m`)

Zocsc scr$n`crs mrc kg%y ?rj pmrty mcgts tomt `k%%c`t !kgto%y

pmy!cgts, scgj stmtc!cgts mgj prk$njc ktocr scr$n`crs, mgj ng

cF`omgc cmrg m acc ark! toc ng$cstkrs)

M !krtmc scr$n`cr ns m !krtmc `k!pmgy %n"c *mg" ka

M!crn`m, 7ntn=krtmc, KgcXcst *mg", @\ =kmg 7omsc =krtmc,

ct`)))okwc$cr, tocsc `k!pmgncs katcg tn!cs,JK GKZ KXGykur

Gktc) 'kur Ok!c Ikmg ng

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Zoc kwgcr ka toc Gktc ns `m%%cj toc =krtmc Ng$cstkr mgj A./

ka toc tn!c, nt2s kgc ka toc m#k$c s

rcacrrcj tk ms toc (c`kgjmry =krtmc =mr"ctp%m`c, m%%kwng akr m

rcmtcr %c$c% ka ok!ckwgcrsonp juc tk tocnr m#n%nty tk augj IKX

JKXG \M'=CGZ !krtmcs) Zocy prk$njc toc %n

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#kk"s, katcg tn!cs `m%%cj pkrtak%nk %kmgs) Zocy mrc #kto toc scr$n`cr

mgj ng$cstkr ka toc %kmg, won`o ns woy tocnr ugjcrwrntng stmgjmrjs mrc

+CV' `kgscr$mtn$c) \crac`t `rcjnt, -./ jkwg pmy!cgt, sokrt

rcpmy!cgt tcr!s mrc prctty !u`o toc kg%y m$mn%m#%c prkrm!s mt

tocsc ngstntutnkgs)

Ng krjcr tk pmrtn`npmtc ng OMV\ -). tk tm"c mj$mgtmc ka

onstkrn`m%%y %kw rmtcs, rcmrj%css ka womt ykur c

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CZVM, CZVM rcmj m%% m#kut nt;

Xmsonghtkg, J@ Zoc Acjcrmi Okusngh Angmg`c Mhcg`y, wnto Amggnc Dmc mgj Arcjjnc Dm`

(toc Cgtcrprnscs), tkjmy mggkug`cj m scrncs ka `omghcs tk toc Okdc Maakrjmfic Vcangmg`c

rkhrmd (OMV) ng mg caakrt tk mttrm`t dkrc cinhnfic fkrrkwcrs wok `mg fcgcant arkd

rcangmg`ngh tocnr okdc dkrthmhc! Zoc prkhrmd cgomg`cdcgts wcrc jc"cikpcj mt AOAM#s

jnrc`tnkg wnto ngput arkd icgjcrs, dkrthmhc ngsurcrs mgj ktocr ngjustry pmrtn`npmgts!

$%c &gkw tomt tocrc mrc dmgy okdckwgcrs wok mrc cinhnfic tk rcangmg`c ugjcr OMV mgj

toksc mrc toc fkrrkwcrs wc wmgt tk rcm`o,' smnj AOAM M`tngh nrc`tkr Cjwmrj ! cDmr`k!

$*unijngh kg toc ngjustry#s c+pcrncg`c wnto OMV k"cr toc imst twk ycmrs, wc om"c njcgtnancj

sc"crmi `omghcs tomt wnii dm&c toc prkhrmd m``cssnfic tk dkrc fkrrkwcrs wnto dkrthmhcs

kwgcj kr humrmgtccj fy toc Cgtcrprnscs! ur hkmi ng pursungh tocsc `omghcs ns tk `rcmtc

rcangmg`ngh kppkrtugntncs akr tocsc fkrrkwcrs, wonic rcju`ngh rns& akr Amggnc Dmc mgj Arcjjnc

Dm` mgj frnghngh m dcmsurc ka stmfninty tk okusngh dmr&cts!'

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Amggnc Dmc mgj Arcjjnc Dm` om"c ocipcj mpprk+ndmtciy - dniinkg amdnincs rcangmg`c ngtk m

ikwcr kst kr dkrc sustmngmfic dkrthmhc prkju`t, mpprk+ndmtciy ./ pcr`cgt ka toksc "nm OMV!

OMV ns ugn pcr`cgt :Z3 `cningh akr an+cj0rmtc dkrthmhcs fm`&cj fy

Amggnc Dmc mgj Arcjjnc Dm`?

%mn"ngh `crtmng rcprcscgtmtnkgs mgj wmrrmgtncs tomt icgjcrs `kddnt tk ng dm&ngh ikmgs

kwgcj kr humrmgtccj fy Amggnc Dmc mgj Arcjjnc Dm`?

Cindngmtngh toc gccj akr m gcw prkpcrty mpprmnsmi wocrc tocrc ns m rcinmfic M3D

(mutkdmtcj "miumtnkg dkjci) cstndmtc prk"njcj fy toc Cgtcrprnscs? mgj

C+tcgjngh toc cgj jmtc akr OMV ugtni c`! =., 6/.= akr ikmgs krnhngmiiy skij tk toc

Cgtcrprnscs kg kr fcakrc Dmy =., 6//-!

Mg ndpkrtmgt cicdcgt ka tocsc `omghcs ns toc cg`kurmhcdcgt, torkuho cindngmtnkg ka `crtmng

rns&0fmscj accs, akr fkrrkwcrs tk utnin2c OMV tk rcangmg`c ngtk sokrtcr0tcrd dkrthmhcs!

*krrkwcrs wok kwc dkrc kg tocnr okusc tomg toc okusc ns wkrto wnii fc mfic tk rcju`c toc

fmimg`c kwcj du`o amstcr na tocy tm&c mj"mgtmhc ka tkjmy#s ikw ngtcrcst rmtcs fy sokrtcgngh toc

tcrd ka tocnr dkrthmhc!

Zoc Cgtcrprnscs pimg tk nssuc hunjmg`c wnto kpcrmtnkgmi jctmnis mfkut toc OMV `omghcs tk

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dkrthmhc icgjcrs mgj scr"n`crs fy 5k"cdfcr .>! 9ng`c ngjustry pmrtn`npmtnkg ng OMV ns gkt

dmgjmtkry, ndpicdcgtmtnkg s`ocjuics wnii "mry ms ngjn"njumi icgjcrs, dkrthmhc ngsurcrs mgj

ktocr dmr&ct pmrtn`npmgts dkjnay tocnr prk`csscs!

# # #

Zoc Acjcrmi Okusngh Angmg`c Mhcg`y rchuimtcs Amggnc Dmc, Arcjjnc Dm` mgj toc =6 Acjcrmi Okdc Ikmg Fmges.Zocsc hkvcrgdcgts!kgskrcj cgtcr!rnscs !rkvnjc dkrc tomg ".$ trniinkg ng %ugjngh %kr toc &.'. dkrthmhc dmrectsmgj %ngmg`nmi ngstntutnkgs.

Okdc Maakrjmfic Vcangmg`c \rkhrmd (OMV\)Am`t Pocct

\rkhrmd Kvcrvncw

Zoc Acjcrmi Okusngh Angmg`c Mhcg`y (AOAM) mgj toc cpmrtdcgt ka toc Zrcmsury ngtrkju`cj OMVng cmriy 6//- ms pmrt ka toc fmdm Mjdngnstrmtnkg#s Dm&ngh Okdc Maakrjmfic prkhrmd! OMVprk"njcs fkrrkwcrs, wok dmy gkt ktocrwnsc 0OC (L7=)www!Fgkw@kurptnkgs!`kdkrwww!AmggncDmc!`kd4okdckwgcrswww!ArcjjncDm`!`kd4m"knjakrc`iksurc

OMV\ \omsc NN ]&Ms

http://www.fanniemae.com/loanlookup/https://ww3.freddiemac.com/corporate/orhttp://www.makinghomeaffordable.gov/http://www.knowyouroptions.com/http://www.fanniemae.com/homeownershttp://www.fanniemae.com/homeownershttp://www.freddiemac.com/avoidforeclosurehttps://ww3.freddiemac.com/corporate/orhttp://www.makinghomeaffordable.gov/http://www.knowyouroptions.com/http://www.fanniemae.com/homeownershttp://www.freddiemac.com/avoidforeclosurehttp://www.fanniemae.com/loanlookup/

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Xoy mrc yku dmengh tocsc `omghcs tk OV\ gkw!

Akr skdc tndc, AOAM, Amggnc Dmc mgj Arcjjnc Dm` (toc Cgtcrprnscs), icgjcrs, scr"n`crs mgjprn"mtc dkrthmhc ngsurcrs (D;#s) om"c fccg cghmhcj ng m `kkrjngmtcj, ngjustry0wnjc caakrt tkangj wmys tk ng`rcmsc toc gudfcr ka okdckwgcrs wok mrc mfic tk rcangmg`c torkuho OMV! %ntodkrthmhc ngtcrcst rmtcs mt onstkrn` ikws, wc fcinc"c nt ns mg kppkrtugc tndc tk put toc ngjustry#sc+pcrncg`c wnto toc prkhrmd tk wkr& sk dkrc cinhnfic fkrrkwcrs `mg rcangmg`c Amggnc Dmc kr

Arcjjnc Dm`0kwgcj dkrthmhcs! ;dpkrtmgtiy, su`o rcangmg`cs frngh fcgcants tk fkrrkwcrs, tkokusngh dmr&cts, mgj tk toc Cgtcrprnscs mgj tm+pmycrs!

Xon`o fkrrkwcrs dmy fc cinhnfic "kr mg cgomg`c#

OV\! ;g hcgcrmi, fkrrkwcrs dust dcct toc akiikwngh `rntcrnm8

Zoc dkrthmhc dust fc kwgcj kr humrmgtccj fy Arcjjnc Dm` kr Amggnc Dmc!Zoc dkrthmhc dust om"c fccg skij tk Amggnc Dmc kr Arcjjnc Dm` kg kr fcakrc Dmy

=., 6//-!Zoc dkrthmhc `mggkt om"c fccg rcangmg`cj ugjcr OMV prc"nkusiy ugicss nt ns m

Amggnc Dmc ikmg tomt wms rcangmg`cj ugjcr OMV arkd Dmr`o0Dmy, 6//-!

Zoc `urrcgt ikmg0tk0"miuc (:Z3) rmtnk dust fc hrcmtcr tomg 1/J!Zoc fkrrkwcr dust fc `urrcgt kg toc dkrthmhc mt toc tndc ka toc rcangmg`c, wnto gkimtc pmydcgt ng toc pmst sn+ dkgtos mgj gk dkrc tomg kgc imtc pmydcgt ng toc pmst.6 dkgtos!

$nvcg toc cinhnfninty `rntcrnm, `mg yku cstndmtc okw dmgy fkrrkwcrs dmy rc"ngmg`ctorkuho OV\ ms m rcsuit k" tocsc `omghcs!

Akr dmgy rcmskgs nt ns "cry jnaan`uit tk prkc`t toc gudfcr ka dkrthmhcs tomt dmy fc rcangmg`cjugjcr toc cgomg`cdcgts tk OMV, ng`iujngh toc auturc pmto ka ngtcrcst rmtcs, fkrrkwcr

wniinghgcss tk ugjcrtm&c m rcangmg`c trmgsm`tnkg mgj toc gudfcr ka icgjcrs mgj scr"n`crs wok`okksc tk kaacr toc prkhrmd! n"cg `urrcgt dmr&ct ngtcrcst rmtcs, kur fcst cstndmtc ns tomt fytoc cgj ka 6/.= OMV rcangmg`cs dmy rkuhoiy jkufic kr dkrc arkd tocnr `urrcgt mdkugt futsu`o akrwmrj0ikk&ngh prkc`tnkgs mrc ngocrcgtiy ug`crtmng! Zoc dkrc ndpkrtmgt pkngt ns tomtdmtcrnmi `omghcs om"c fccg dmjc tk cgomg`c m``css tk toc prkhrmd fut OMV, fcakrc mgj

wnto tocsc `omghcs, ns gkt ngtcgjcj tk scr"c mii fkrrkwcrs, kr c"cg mii ugjcrwmtcr fkrrkwcrs! ;tns tmrhctcj ust mt fkrrkwcrs wnto ikmgs kwgcj kr humrmgtccj fy toc Cgtcrprnscs tomt dcct toccinhnfninty rc

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rc k""crs "rkd `kd'mgncs 'rkdnsngh tk oci' fkrrkwcrs hct OV\ ikmgsichntndmtc!

*krrkwcrs jk gkt gccj tk usc tonrj pmrty `kdpmgncs tomt mj"crtnsc tocdsci"cs ms Hdkrthmhcc+pcrtsH kr Hakrc`iksurc spc`nminstsH tk mppiy akr m OMV ikmg! *cakrc `miingh su`o `kdpmgncs

fkrrkwcrs sokuij tmi& anrst wnto tocnr dkrthmhc icgjcr!(s tocrc m dm)ndud ikmg*tk*vmiuc +-./ rmtnk "kr OV\!Zocrc ns gk ikghcr m dm+ndud :Z3 indnt akr fkrrkwcr cinhnfninty! ;a toc fkrrkwcr rcangmg`csugjcr OMV mgj tocnr gcw ikmg ns m an+cj rmtc dkrthmhc, tocrc ns gk dm+ndud :Z3! ;a toc

fkrrkwcr rcangmg`cs ugjcr OMV mgj tocnr gcw ikmg ns mg mjustmfic rmtc dkrthmhc, tocnr :Z3dmy gkt fc mfk"c ./>J!

(s OV\ toc kgiy rc"ngmg`c 'rkhrmd mvmnimfic tk fkrrkwcrs!

ur tms& toc pmst acw dkgtos oms fccg tk c"miumtc mg c+nstngh prkhrmd OMV tk msscss na nt`kuij fc cgomg`cj tk fcttcr rcm`o nts tmrhct pkpuimtnkg ka fkrrkwcrs woksc dkrthmhc fmimg`csc+`ccj toc "miucs ka tocnr okdcs! OMV ns kgiy kgc ka sc"crmi rcangmg`ngh kptnkgs m"mnimfic tk

okdckwgcrs mgj ns ugnquc ng tomt nt ns toc kgiy rcangmg`c prkhrmd tomt cgmfics fkrrkwcrs wntointtic tk gk cqunty ng tocnr okdcs tk tmec mjvmgtmhc ka ikw ngtcrcst rmtcs mgj ktocr rcangmg`nghfcgcants. Ngjccj, Amggnc Dmc mgj Arcjjnc Dm` omvc ocipcj mpprkxndmtciy gngc dniinkg amdnincsrcangmg`c ngtk m ikwcr `kst kr dkrc sustmngmfic dkrthmhc prkju`t sng`c Mprni !!" mgj wc wnii`kgtnguc tk wkre tk prkvnjc toksc kppkrtugntncs ng m rcspkgsnfic wmy.

rc dkrthmhcs kg `kg#kdngnuds cinhnfic "kr rc"ngmg`c ug#cr OV\!

Nkgjkdngnuds mrc mircmjy cinhnfic ugjcr OMV mgj, ugjcr toc cgomg`cj prkhrmd,`kgjkdngnuds tomt krnhngmiiy dct Cgtcrprnsc rcto! 9kdc icgjcrs dmy fc mfic tk m``kddkjmtc dkrthmhc mppin`mtnkgsugjcr skdc ka toc cgomg`cdcgts fy c`cdfcr . wonic nt `kuij tm&c ktocr icgjcrs mjjntnkgmitndc tk ng`krpkrmtc toc c+pmgjcj prkhrmd ngtk tocnr systcds! ;g mjjntnkg, skdc ka toccgomg`cdcgts su`o ms jcin"cry ka ikmgs wnto :Z3 hrcmtcr tomg .6> sokuij fc kpcrmtnkgmi jurnghtoc anrst

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%c mgtn`npmtc tomt toc pm`&mhc ka ndprk"cdcgts fcngh dmjc tk OMV wnii rcju`c tocCgtcrprnscs `rcjnt rns&, frngh hrcmtcr stmfninty tk dkrthmhc dmr&cts mgj rcju`c akrc`iksurcrns&s cm`o ka won`o ns mg ndpkrtmgt stmtutkry dmgjmtc akr AOAM!

5cmriy mii OMV0cinhnfic fkrrkwcrs om"c fccg pmyngh tocnr dkrthmhcs akr dkrc tomg torcc ycmrs,mgj dkst ka toksc akr akur kr dkrc ycmrs! Zocsc mrc scmskgcj ikmgs dmjc tk fkrrkwcrs wok om"cjcdkgstrmtcj m `mpm`nty mgj `kddntdcgt tk dm&c hkkj kg tocnr dkrthmhc kfinhmtnkg torkuho m

pcrnkj ka sc"crc c`kgkdn` strcss mgj okusc prn`c jc`ingcs!

Vcps mgj wmrrmgts prktc`t toc Cgtcrprnscs arkd iksscs kg jcac`tn"c ikmgs? typn`miiy, su`o jcac`tssokw up ng toc anrst acw ycmrs ka m dkrthmhc mgj sk toc "miuc ka toc rcps mgj wmrrmgts jc`ingck"cr tndc! *y rcangmg`ngh ngtk m ikwcr ngtcrcst rmtc mgj4kr sokrtcr tcrd dkrthmhc, tocsc

fkrrkwcrs mrc rc`kddnttngh tk tocnr dkrthmhc mgj strcghtocgngh tocnr okuscokij fmimg`c socct,tocrcfy rcju`ngh toc `rcjnt rns& tocy mircmjy pksc tk toc Cgtcrprnscs! Zocrcakrc, AOAM oms`kg`iujcj tomt cindngmtngh toc rcps mgj wmrrmgts tomt dmy om"c jns`kurmhcj ngjustrypmrtn`npmgts arkd tm&ngh hrcmtcr mj"mgtmhc ka OMV tk0jmtc wnii fc hkkj akr fkrrkwcrs, okusnghdmr&cts, mgj toc Cgtcrprnscs mgj tm+pmycrs!

Xoy mrc yku cg`kurmhngh fkrrkwcrs tk sokrtcg toc tcrds k" tocnr dkrthmhc!

*krrkwcrs wok kwc dkrc kg tocnr dkrthmhcs tomg tocnr okdcs mrc wkrto dmy fc ik`&cj ngtktocnr okdcs akr ycmrs mgj om"c acwcr angmg`nmi kptnkgs ugtni tocy pmy jkwg toc ikmg fmimg`c! Msokrtcr tcrd dkrthmhc cgmfics su`o fkrrkwcrs tk pmy jkwg toc mdkugt tocy kwc du`o amstcrtomg m trmjntnkgmi =/0ycmr dkrthmhc! Aurtocrdkrc, ngtcrcst rmtcs kg sokrtcr tcrd dkrthmhcsusumiiy mrc icss tomg kg tonrty0ycmr dkrthmhcs! Zoc ikwcr ngtcrcst rmtc dmy prk"njc fkrrkwcrstoc kppkrtugnty tk sokrtcg toc tcrd ka tocnr dkrthmhcs wntokut du`o `omghc ng tocnr dkgtoiypmydcgts, mgj pcromps c"cg m rcju`tnkg ng tomt pmydcgt! 9u`o mg kut`kdc dmy strcghtocg toc

fkrrkwcr#s angmg`nmi `kgjntnkg mgj ikwcr toc `rcjnt rns& akr toc Cgtcrprnsc tomt kwgs krhumrmgtccs toc ikmg! M acw c+mdpics niiustrmtc okw tons wkr&s8

Mssudc m okdckwgcr `urrcgtiy oms m dkrthmhc kg won`o oc kr soc kwcs B6//,/// mgjoms mg ngtcrcst rmtc ka !> pcr`cgt m dkgtoiy pmydcgt ka B.6L! ;a toc okusc ns wkrtoB./,///, toc okdckwgcr oms m `urrcgt ikmg0tk0"miuc (:Z3) rmtnk ka .6> pcr`cgt!

;a tons fkrrkwcr rcangmg`cj ngtk m =/0ycmr an+cj0rmtc dkrthmhc wnto mg ngtcrcst rmtc ka L!>pcr`cgt, toc dkgtoiy pmydcgt wkuij jc`ingc tk B./.=! *ut, fy rcangmg`ngh ngtk m =/0 ycmrikmg, toc fkrrkwcr#s ikmg fmimg`c wnii gkt rcm`o B./,/// akr tcg auii ycmrs!

;a toc fkrrkwcr `oksc m 6/0ycmr ikmg tcrd mt m rmtc ka L!6> pcr`cgt (dkrthmhc rmtcs tcgjtk fc icss akr sokrtcr tcrd dkrthmhcs), toc dkgtoiy pmydcgt wkuij fc B.6=1 (B6 icsstomg toc fkrrkwcr `urrcgtiy pmys) mgj toc fkrrkwcr#s ikmg fmimg`c wkuij rcm`oB./,/// ng an"c0mgj0kgc0omia ycmrs!

;a tons smdc fkrrkwcr rcangmg`cj ngtk m .> ycmr dkrthmhc, mssudngh mg ngtcrcst rmtc ka=!7> pcr`cgt, toc dkgtoiy pmydcgt wkuij fc B.L>L (B.-/ dkrc tomg toc `urrcgtpmydcgt), fut toc ikmg fmimg`c wkuij fc fcikw B./,/// ng m fnt dkrc tomg torcc0mgj0kgc0omia ycmrs!

ON(ZKV' K OK=C +MISC(

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Zons `omrt ns `on%%ng, nt cg`mpsu%mtcs toc cgtnrc

okusng #u##%c mgj n$c us m $nsum%nmtnkg ka okw !mgy

pckp%c mrc trmppcj ng ugjcrwmtcr !krtmcs) =n%%nkgs

ka M!crn`mg okuscok%js mrc prnskgcrs ka tocnr kwg

!krtmc pmy!cgts, tocy `mggkt sc%% #c`musc tocy kwc

!krc tomg tocnr ok!c>s wkrto yct tocy mrc ugm#%c tk

rcangmg`c #c`musc ka tocnr c

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C%nn#n%nty

'ku !my #c c%nn#%c tk mpp%y na yku !cct m%% ka tocak%%kwng

'kur !krtmc !ust #c kwgcj kr umrmgtccj #y rcjjnc =m` kr

mggnc =mc)

Zoc !krtmc !ust om$c #ccg sk%j tk rcjjnc =m` kr mggnc =mckg kr #cakrc =my ?9, -..A)

Zoc !krtmc `mggkt om$c #ccg rcangmg`cj ugjcr OMV\

prc$nkus%y ug%css nt ns m mggnc =mc %kmg tomt wms rcangmg`cj

ugjcr OMV\ ark! =mr`o6=my -..A)

'ku !ust #c `urrcgt kg ykur !krtmc mt toc tn!c ka toc rcangmg`c

wnto gk %mtc pmy!cgt ng toc %mst snF !kgtos mgj gk !krc tomg kgc

%mtc pmy!cgt ng toc pmst twc%$c !kgtos)

Zoc `urrcgt %kmg6tk6$m%uc BIZ+E rmtnk !ust #c rcmtcr tomg ./)

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C%nn#n%nty `rntcrnm mrc akr unjmg`c kg%y) 7kgtm`t ykur !krtmc scr$n`cr tk scc na yku

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Na tocnr !krtmc scr$n`cr ns gkt pmrtn`npmtng, toc ok!ckwgcr !my `kgtm`t

ktocr %cgjcrs tomt pmrtn`npmtc ng OMV\ tk jctcr!ngc na tocy mrc c%nn#%c akr m

rcangmg`c)

(tcps tk OMV\ Vcangmg`c

9) Jctcr!ngc woctocr ykur !krtmc ns kwgcj krumrmgtccj #y mggnc =mc kr rcjjnc =m` #y $nsntngtocnr rcspc`tn$c Ikmg Ikk"up tkk%s)

-) 7kgtm`t ykur `urrcgt !krtmc scr$n`cr kr mgktocrtomt ns mpprk$cj #y mggnc =mc kr rcjjnc =m` tkng

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Zoc k$crg!cgt `m%%s nt OMV\, ms ng Ok!c Maakrjm#%c Vcangmg`c \rkrm!)

Zoc prkrm! ns m%sk "gkwg ms toc =m"ng Ok!c Maakrjm#%c p%mg, tocK#m!m Vcan p%mg, JS Vcan D, mgj Vc%nca Vcangmg`c)

Ng krjcr tk #c c%nn#%c akr toc OMV\ rcangmg`c prkrm!

'kur %kmg !ust #c #m`"cj #y mggnc =mc kr rcjjnc =m`)'kur `urrcgt !krtmc !ust om$c m sc`urntnmtnkg jmtc prnkr tk @ugc 9, -..A

Na yku !cct tocsc twk `rntcrnm, yku !my #c OMV\6c%nn#%c) Na ykur !krtmc nsOM, S(JM kr m 5u!#k !krtmc, yku mrc gkt OMV\6c%nn#%c)

OMV\ -). &ucstnkgs mgj Mgswcrs

Jk tocsc s anrst #c`musc mggnc =mc>s !mr"ct somrc ns %mrcr) Na gk!mt`o ns akugj, tocg `oc`" rcjjnc =m`) 'kur %kmg !ust mppcmr kg kgc katocsc twk sntcs tk #c c%nn#%c akr OMV\)

Na !y !krtmc ns oc%j #y mggnc =mc kr rcjjnc =m`, m! N ngstmgt%y6c%nn#%c akr

toc Ok!c Maakrjm#%c Vcangmg`c \rkrm!1Gk) Zocrc ns m scrncs ka `rntcrnm) Om$ng ykur !krtmc oc%j #y mggnc krrcjjnc ns 5ust m prc6

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ngakr!mtnkg tk ykur %cgjcr wocg yku mpp%y akr ykur OMV\ rcangmg`c)

Xomt na gcntocr mggnc =mc gkr rcjjnc =m` oms m rc`krj ka !y !krtmc1

Na gcntocr mggnc gkr rcjjnc oms rc`krj ka ykur !krtmc, ykur %kmg ns OMV\6ngc%nn#%c) Okwc$cr, yku !my stn%% #c c%nn#%c akr m rcu%mr rcangmg`c tk %kwcr

rmtcs) Kr, na ykur !krtmc ns ngsurcj #y toc OM, usc toc OM (trcm!%ngcVcangmg`c prkrm!) Zoc OM (trcm!%ngc Vcangmg`c oc%ps ugjcrwmtcrok!ckwgcrs, tkk)

Jkcs OMV\ wkr" toc sm!c wnto mggnc =mc ms wnto rcjjnc =m`1

'cs, akr toc !kst pmrt, toc OMV\ !krtmc prkrm! ns toc sm!c wnto mggnc=mc ms wnto rcjjnc =m`) Zocrc mrc sk!c s!m%% jnaacrcg`cs, #ut tocy maac`t 5ustm tngy, tngy pkrtnkg ka toc cgcrm% pkpu%mtnkg) kr c$crykgc c%sc, toc unjc%ngcswkr" toc sm!c)

M! N c%nn#%c akr toc Ok!c Maakrjm#%c Vcangmg`c \rkrm! na N>! #congj kg !y!krtmc1

Gk) 'ku !ust #c `urrcgt kg ykur !krtmc tk rcangmg`c $nm OMV\)Xn%% toc Ok!c Maakrjm#%c Vcangmg`c \rkrm! oc%p !c m$knj akrc`%ksurc1

Gk) Zoc Ok!c Maakrjm#%c Vcangmg`c \rkrm! ns gkt jcsngcj tk jc%my, kr stkp,akrc`%ksurcs) Nt>s !cmgt tk n$c ok!ckwgcrs wok mrc `urrcgt kg tocnr!krtmcs, mgj wok om$c %kst ok!c cs %kw!krtmc rmtcs)

Xomt mrc toc !ngn!u! rc

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ycmrs kr acwcr) Na yku usc mg mj5ustm#%c6rmtc !krtmc, ykur %kmg6tk6$m%uc ns`mppcj mt 9.8/)

=my#c N wmsg>t `%cmr) N m! rcm%%y, rcm%%y amr ugjcrwmtcr kg !y !krtmc) Mrc ykusurc N `mg usc OMV\1

'cs, N m! surc) Zoc gcw OMV\ !krtmc prkrm! spc`nan`m%%y oms gk %kmg6tk6$m%uc rcstrn`tnkg sk tomt ok!ckwgcrs ng %krnjm, 7m%nakrgnm, Mrnkgm mgjGc$mjm `mg tm"c mj$mgtmc ka nt) 'ku `mg ?../ %kmg6tk6$m%uc, mgj stn%% #cOMV\6c%nn#%c) OMV\ ns gkw ug%n!ntcj IZ+ akr anFcj rmtc %kmgs wnto ?.6ycmrtcr!s kr %css)

Na N rcangmg`c wnto OMV\ usng mg MV=, jk N stn%% ct ug%n!ntcj IZ+1

Gk, na yku usc mg MV= akr OMV\, yku mrc %n!ntcj tk 9.8/ %kmg6tk6$m%uc)Kg%y anFcj rmtc %kmgs ct toc ug%n!ntcj IZ+ trcmt!cgt)

Xn%% !y ok!c rcs $m%uc jkcsg>t !mttcr akr toc OMV\ !krtmcprkrm!, %cgjcrs wn%% rug womt>s `m%%cj mg mutk!mtcj $m%umtnkg !kjc% BM+=Ekg ykur ok!c) Na toc $m%uc !ccts rc%nm#n%nty stmgjmrjs, gk poysn`m% mpprmnsm% wn%%#c rc

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Gk, tomt>s gkt truc) Kr, mt %cmst nt soku%jg>t #c) Zocrc mrc $cry acw ngstmg`cs ngwon`o m OMV\ mpp%n`mgt wn%% #c prc`%ujcj ark! sokppng akr toc #cst rmtc) Nt>sjku#tau% tomt ykur sntumtnkg ns kgc ka toc!)

=y `urrcgt !krtmc ns wnto 'KSV *MGL OCVC] mgj N jkg>t %n"c toc!) 7mg N

wkr" wnto mgktocr #mg"1'cs, wnto OMV\, yku `mg wkr" wnto mgy pmrtn`npmtng %cgjcr ng toc `kugtry)7%n`" ocrc akr m OMV\ rmtc t gccj tk pmy !krtmc ngsurmg`c) Na ykur `urrcgt %kmg jkcsg>trct rct scc mg I\=N jns`%ksurc ng !y `%ksng pm`"mc #ut N tong" tomt N om$c nt)Okw jk N "gkw na !y !krtmc oms I\=N1

Na tocrc ns gk I\=N jns`%ksurc, anrst `oc`" na ykur anrst !krtmc>s %kmg6tk6$m%uccF`ccjcj ./ mt toc tn!c ka `%ksng) Na nt jnj, %kk" tk scc na yku mrc pmyng!kgto%y !krtmc ngsurmg`c) Na yku mrc gkt pmyng !kgto%y \=N, yku>rc %n"c%y`mrryng I\=N Bmgj mrc OMV\6ngc%nn#%cE)

Xomt>s toc #ncst !krtmc N `mg ct wnto m OMV\ rcangmg`c1

OMV\ rcangmg`cs mrc %n!ntcj tk ykur mrcm>s `kgakr!ng %kmg %n!nts) Ng !kst `ntncs,toc `kgakr!ng %kmg %n!nt ns 409H,...) Okwc$cr, tocrc mrc sk!c `ntncs ng won`o

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`kgakr!ng %kmg %n!nts mrc ms ono mt 4-8,8..) 'ku `mg %kk"up ykur mrcm>s`kgakr!ng %kmg %n!nts #y `%n`"ng ocrc)

7mg N jk m `mso6kut rcangmg`cs wnto OMV\1

Gk, toc OMV\ !krtmc prkrm! jkcsg>t m%%kw `mso kut rcangmg`c) Kg%y

rmtcmgj6tcr! rcangmg`cs mrc m%%kwm#%c)7mg N rcangmg`c m sc`kgj$m`mtnkg ok!c wnto OMV\1

'cs, yku `mg rcangmg`c mg sc`kgj$m`mtnkg prkpcrty wnto OMV\, c$cg na tocok!c wms kg`c ykur prn!mry rcsnjcg`c) Zoc %kmg !ust !cct typn`m%prkrm! c%nn#n%nty stmgjmrjs)

7mg N rcangmg`c mg ng$cst!cgtrcgtm% prkpcrty wnto OMV\1

'cs, yku `mg rcangmg`c mg ng$cst!cgtrcgtm% prkpcrty wnto OMV\, c$cg na toc

ok!c wms kg`c ykur prn!mry rcsnjcg`c) 'ku `mg rcangmg`c m ok!c kg won`oyku>rc mg m``njcgtm% %mgj%krj $nm OMV\) Zoc %kmg !ust !cct typn`m%prkrm! c%nn#n%nty stmgjmrjs)

N rcgt kut !y k%j ok!c) Ns nt OMV\6c%nn#%c c$cg tokuo nt>s mg ng$cst!cgtprkpcrty gkw1

'cs, yku `mg usc toc OMV\ Vcangmg`c prkrm! akr ykur akr!cr rcsnjcg`c66 c$cg na tocrc>s m rcgtcr tocrc gkw)

Zocsc tongs N>! rcmjng ocrc))) Xoy, wocg N `m%% !y #mg", jk tocy tc%% !c nt>s

gkt truc1

Nt>s pkssn#%c tomt toc `m%% `cgtcr rcprcscgtmtn$c tk wok! yku>rc spcm"ng nsgcntocr "gkw%cjcm#%c m#kut OMV\, gkr toc m`tum% !krtmc ugjcrwrntngprk`css) Zons pkst ns rcscmr`ocj mgj `rkss6rcacrcg`cj mmngst mggnc =mcmgj rcjjnc =m` unjc%ngcs, mgj pu#%n`%y6m$mn%m#%c rcpkrts ark! toc OM)

Mrc `kgjk!ngnu!s c%nn#%c akr OMV\ rcangmg`ng1

'cs, `kgjk!ngnu!s `mg #c angmg`cj kg toc OMV\ rcangmg`cprkrm!) Xmrrmgtm#n%nty stmgjmrjs stn%% mpp%y)

7mg N `kgsk%njmtc !krtmcs wnto m OMV\ rcangmg`c1

Gk, yku `mggkt `kgsk%njmtc !u%tnp%c !krtmcs wnto toc OMV\rcangmg`c prkrm!) Nt>s akr anrst %ncgs kg%y) M%% su#krjngmtc5ugnkr %ncgs!ust #c rcsu#krjngmtcj tk toc gcw anrst !krtmc)

7mg N rk%% up !y `%ksng `ksts wnto m OMV\ rcangmg`c1

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'cs, !krtmc #m%mg`cs `mg #c ng`rcmscj tk `k$cr `%ksng `ksts ng mjjntnkgtk ktocr !kgncs juc mt `%ksng su`o ms cs`rkw rcscr$cs, m``rucj jmn%yngtcrcst, mgj m s!m%% m!kugt ka `mso) Ng gk `mscs !my %kmg sncs cF`ccj toc%k`m% kgakr!ng %kmg %n!nts, okwc$cr)

N m! ugc!p%kycj mgj wntokut ng`k!c) M! N OMV\6c%nn#%c1

'cs, yku jk gkt gccj tk #c c!p%kycj tk usc toc OMV\ !krtmc prkrm!)OMV\ mpp%n`mgts jk gkt gccj tk #c rc

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prkrm!, pcr sc) Okwc$cr, yku !ust

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Xoy OMV\ 9). mn%cj mgj Xoy -). ns Jnaacrcgt

OMV\ 9). wms am%%ng wkcau%%y sokrt ka nts stmtcj km% tk oc%p 0 tk 8

!n%%nkg #krrkwcrs rcangmg`c) Xon%c mpp%n`mtnkg $k%u!c wms torkuo toc

rkka, toc gu!#cr ka mpprk$cj %kmgs wms ng toc #msc!cgt)

M``krjng tk toc cjcrm% Okusng ngmg`c Mcg`y, mggnc =mc mgj

rcjjnc =m` rcangmg`cj gcmr%y A?,.. %kmgs torkuo toc OMV\

prkrm! torkuo Muust -.99)Q

Zoc rcmskg #congj toc %m`" ka mpprk$m%s wms k#$nkus) Icgjcrs sn!p%y

wcrcg>t ms ngtcrcstcj ng OMV\ ms toc mj!ngnstrmtnkg okpcj tocy>j #c)

Jcspntc toc @u%y -..A IZ+ ng`rcmsc tk 9-8 pcr`cgt, !kst %cgjcrs omj

`mppcj tocnr kwg IZ+ %n!nts mt 9.8 pcr`cgt)

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\rn$mtc !krtmc ngsurmg`c B\=NE prk$cj tk #c mgktocr !kg"cy

wrcg`o ng toc systc!) *krrkwcrs wok stn%% omj \=N mt toc tn!c ka

tocnr OMV\ mpp%n`mtnkg wcrc rct ngtcrcstcj ng wrntng

gcw pk%n`ncs akr ugjcrwmtcr ok!ckwgcrs)

Ono `%ksng `ksts mgj accs, toc gccj akr gcw mpprmnsm%s mgj

`kugt%css rcpkrts ka %kst pmpcrwkr" m%% `kgtrn#utcj tk ougjrcjs ka

tokusmgjs, na gkt !n%%nkgs, ka mpp%n`mtnkgs stm!pcj jcgncj)Q

OMV\ -). Vcps mgj Xmrrmgtm#n%nty

\cromps toc #ncst `om%%cgc ng m%tcrng OMV\ wn%% #c tk

ng`rcmsc %cgjcr pmrtn`npmtnkg) Gk !mttcr okw rmgj toc `omgcs tk

tons rcangmg`c prkrm! mrc, gk !mttcr okw !mgy !n%%nkgs ka #krrkwcrs

mrc cFpc`tcj tk t ngtcrcst, OMV\ -). wn%% amn%)

Zoc cgomg`cj OMV\ prkrm! ns tryng tk `omgc m%% tomt)

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OMV\ -). ns sonatng rcspkgsn#n%nty ark! `crtmng rcps mgj

wmrrmgtncsQ66jcangcj ms %cgjcr k#%nmtnkgs wocg m %kmg kcs #mj66

ark! toc #mg"s tk toc k$crg!cgt) Xnto %css %nm#n%nty akr toc #mj

%kmgs tocy !m"c, m rcmtcr gu!#cr ka #mg"s wn%% gkw pmrtn`npmtc ng

OMV\)

Zoc !kst n!pkrtmgt `omgc ns toc c%n!ngmtnkg ka IZ+ %n!nts)

Gkw, gk !mttcr okw amr ugjcrwmtcr m #krrkwcr ns, tocy `mg stn%%

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woy6nts omgngnF9c(`*s

http://www.foxbusiness.com/personal-finance/2011/11/21/harp-whats-it-about-why-it-failed-and-why-its-changing/#ixzz1eSFcBsFzhttp://www.foxbusiness.com/personal-finance/2011/11/21/harp-whats-it-about-why-it-failed-and-why-its-changing/#ixzz1eSFcBsFz

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=krtmc Ngsurmg`c \rk$njcrs mrc @u!png kgOMV\ -).

Zoc amn%urc ka OMV\ 9). wms !mng%y juc tk %cgjcr pmrtn`npmtnkg,

tocsc `k!pmgncs wok omj #ccg jc$mstmtcj jurng toc pmst sc$crm%

ycmrs jurng toc angmg`nm% `rnsns, omj soncj mwmy ark! tm"ng kg mgy

!krc rns")

Xocg !krtmc ng$cstkrs %n"c mggnc mgj rcjjnc !m"c %kmgs

pkssn#%c akr scr$n`ng `k!pmgncs K+CV ./ IZ+, tocy rc amu%ty ugjcrwrntng)

Sgntcj 3umrmgty wn%% rcspkgsn#%y cFpmgj kur m%rcmjy6 rk#ust

pmrtn`npmtnkg ng toc prkrm! #y wmn$ng rcprcscgtmtnkgs mssk`nmtcj

wnto toc krnngm% %kmg an%c akr m !m5krnty ka kur pkrtak%nk,Q *rnmg

3ku%j, toc ugnt>s scgnkr $n`c prcsnjcgt ka %kss !mgmc!cgt, smnj ng

m stmtc!cgt ycstcrjmy)

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MN3 omj prc$nkus%y tk%j %cgjcrs nt wms ugwn%%ng tk kaacr toc

sm!c prktc`tnkgs kg jcac`tn$c %kmgs tomt `k!pctntkrs rmgtcj tk mnj

toc Ok!c Maakrjm#%c Vcangmg`c \rkrm!, m``krjng tk akur pckp%c

wnto "gkw%cjc ka toc tm%"s) mggnc =mc mgj rcjjnc =m`, toc S)()6

`kgtrk%%cj !krtmc anr!s, tocg kaacrcj mjjntnkgm% ngakr!mtnkg %mst

wcc" akr rcangmg`ng ugjcr OMV\)

Vmjnmg 3umrmgty Ng`), toc !krtmc ngsurmg`c B=NE su#snjnmry ka

Vmjnmg 3rkup Ng`) mggkug`cj nts `kgtngucj suppkrt ka toc Ok!c

Maakrjm#%c Vcangmg`c prkrm! BOMV\E) Zoc prkrm! wms anrst

ngtrkju`cj ng -..A #y toc cjcrm% Okusng ngmg`c Mcg`y BOME

mgj toc Jcpmrt!cgt ka toc Zrcmsury tk oc%p #krrkwcrs wok !my gkt

ktocrwnsc

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Ng gcw unjc%ngcs akr toc Ok!c Maakrjm#%c Vcangmg`c \rkrm!,

#kto `k!pmgncs smnj scpmrmtc%y tocy mrc rc%nc$ng %cgjcrs ka `crtmng

rcprcscgtmtnkgs mgj wmrrmgtncs tomt mrc rc%mtcj tk toc $m%uc mgj

`kgjntnkg ka !krtmcj prkpcrty)

Zoc rc!k$m% ka tons rc

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OKX ZK HCZ ZOC IKXCPZ VMZC

Zm"c m %kk" mt tons

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tons ns ark! -..A, tkjmy2s rmtcs mrc %kwcrE)

Zons !cmgs tomt ng krjcr tk sc`urc mg ngtcrcst rmtc ka 0)H8/ toc

#krrkwcr ns kng tk om$c tk pmy -)?H8/ ka toc IKMG *MIMG7C ng

\VC\MNJ NGZCVC(Z) Zons ns sk!ctn!cs `m%%cj m *uy Jkwg) kr

cFm!p%c, na yku mrc #krrkwng m 49..,... mgj pmyng - pkngts, yku

mrc pmyng 4-...).. ng jns`kugt pkngts) Zons ns m 7IK(NG3 7K(Z

tomt kcs tk toc !krtmc scr$n`cr)

Zoc `kg`crgcj mpp%n`mgt kcs aurtocr ms"ng toc akru! na oc oms

mgy %c$crmc tk gcktnmtc tocsc tcr!s tomt oc acc%s mrc tkk `kst%y)

Zons ns #msn` !krtmc #mg"ng, wocrc !krtmc ng$cstkrs %n"c

mggnc =mc mgj rcjjnc =m` mgj ktocr scr$n`ng `k!pmgncs

cstm#%nso rmtcs MZ \MV) Ng toc m#k$c cFm!p%c, na toc mpp%n`mgt ms"cj

akr m GK \KNGZ VMZC, oc !my om$c #ccg sccng rmtcs

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ottpwww)arcjjnc!m`)`k!m$knjakrc`%ksurcpmrtn`npmtng%cgjcr%nst)ot!%

3cgcrm%%y spcm"ng, MII !krtmc `k!pmgncs tomt mrc scr$n`ng

%kmgs akr toc pmrtn`npmtng ng$cstkrs, mggnc =mc mgj rcjjnc =m`,

mrc rc

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Ng 7kg`%usnkg

OMV\ -). ns pknscj tk #rng !n%%nkgs ka M!crn`mg okuscok%js, wok

`urrcgt%y mrc trmppcj ngtk ono !kgto%y !krtmc pmy!cgts, !u`o skuot matcr

rc%nca) Xoctocr yku kr sk!ckgc yku "gkw !my om$c #ccg prc$nkus%y jcgncj

ugjcr sn!n%mr rcangmg`c prkrm!s, gkw ns toc tn!c tk rcmsscrt ykursc%a mgj angj m

!krtmc scr$n`cr kaacrng toc gcw OMV\ prkrm! mgj tm"c mj$mgtmc ka

tkjmy>s rk`" #kttk! onstkrn`m%%y %kw !krtmc rmtcs) Jkg>t #c m $n`tn! ka ykur

ok!c>s $m%uc mgy %kgcr)

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n #ns`imndcr$ Mii %M&' ikmg mppin`mtnkgs mrc suf(c`t tk ngvcstkr hunjcingcs, ngjnvnjumi rcjnt rntcrnm mgj ugjcrwrntcr

rcvncw) toc pur`omsc ka tons cfkke jkcs gkt humrmgtcc %M&' mpprkvmi. *ons ns akr ngakrdmtnkgmi usc kgiy, nt ns gkt tk fc

`kgstrucj ms ichmi mjvn`c, nt ns gkt tmx mjvn`c. 'icmsc `kgsuit m in`cgscj prkacssnkgmi ng ykur stmtc akr su`o mjvn`c. *ocmutokr ka tons fkke ns gkt maaninmtcj wnto mgy ikmg kr dkrthmhc fmge kr frkecrmhc anrd. +kgju`t ykur juc jninhcg`c wocg

prk`ccjngh wnto mgy ikmg prkhrmd, jk gkt pmy up arkgt accs tk mgykgc, msnjc arkd stmgjmrj mgj ichmi accs.