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Dattjhd tf tca Lfra fb Bfralofsura 

Ehfw Zfur Fptjfhs

WJL@WIF @. WJRAW@

jslo`jmar; @oo rjdcts rasarvai. Hf p`rt fb tcjs gffe m`y ga raprfiulai fr tr`hsmjttai jh `hy bfrm fr gy `hy ma`hs,

aoaltrfhjl fr malc`hjl`o, jhlouijhd pcftflfpyjhd, ralfrijhd fr gy `hy jhbfrm`tjfh stfr`da `hi ratrjav`o systam, wjtcfut

wrjttah parmjssjfh brfm tca `utcfr, axlapt bfr tca jhlousjfh fb grjab quft`tjfhs jh ` ravjaw. @hy uh`utcfrjzai usa, sc`rjhd,raprfiultjfh, fr ijstrjgutjfh js prfcjgjtai. Tcjoa `ttampts c`va gaah m`ia tf varjby jhbfrm`tjfh prfvjiai jh tcjs pugojl`tjfh,

hajtcar tca `utcfr hfr tca pugojscar `ssumas `hy raspfhsjgjojty bfr arrfrs, fmjssjfhs fr lfhtr`ijltfry jhbfrm`tjfh lfht`jhai jh

tcjs iflumaht. Ycjs iflumaht js hft jhtahiai `s oad`o, jhvastmaht fr `llfuhtjhd `ivjla. Yca purlc`sar fr ra`iar fb tcjs

iflumaht `ssumas `oo raspfhsjgjojty bfr tca usa fb tcasa m`tarj`os `hi jhbfrm`tjfh. Gouad`ta M`h`damaht Lf. `ssumas hf

raspfhsjgjojty fr oj`gjojty wc`tsfavar fh gac`ob fb `hy usar fb tcasa m`tarj`os.

©7>01 @oo rjdcts rasarvai.

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Jhtrfiultjfh 

Bfralofsura l`h ga ` sl`ry sjtu`tjfh bfr `hy cfmafwhar tf ahlfuhtar. Hf m`ttar tca ljrlumst`hlas fr bjh`hlj`oc`riscjps tc`t grfudct yfu tf tcjs pfjht, tca rjse fb ofsjhd yfur cfma js vary ra`o `hi l`h ga ahfudc tf m`ea yfup`hjl.

Yc`t‚s wcy J w`ht yfu tf ra`i tcjs5 sf yfu oa`rh wc`t fptjfhs `ra `v`jo`goa tf yfu `hi yfu l`h t`ea ` iaap gra`tc.

@t ` tjma ojea tcjs, jt js vary   jmpfrt`ht tc`t yfu uhiarst`hi ax`ltoy wc`t js c`ppahjhd `hi wc`t yfu l`h if tf caopyfursaob jh tcjs sjtu`tjfh. Zfu c`va tf uhiarst`hi tc`t yfu c`va fptjfhs. Yca mfra yfu l`h caop aiul`ta yfursaob, tcasffhar yfu l`h gadjh tf t`ea `ltjfh `hi rad`jh sfma lfhtrfo fb yfur sjtu`tjfh.

Yc`t‚s wcy yfu‚ra cara.

Yca purpfsa fb tcjs rasfurla js tf ampfwar `hyfha wcf js b`ljhd bfralofsura, wcatcar tc`t‚s yfu fr sfmafha yfuehfw. My df`o js tf jhstrult, dujia, `hi `ssjst cfmafwhars b`ljhd bfralofsura `gfut ra`sfh`goa fptjfhs `hi sujt`goa

raspfhsas `btar ralajvjhd ` Hftjla fb Iab`uot fr ` Ojs ^ahiahs  (bfralofsura lo`jm). Ycah, J‚oo axpo`jh wcah, cfw, `hiwcy yfu scfuoi prasaht ` p`rtjluo`r raspfhsa tf fha fb tcasa lo`jms `hi lcffsa fha lfursa fb `ltjfh fvar `hftcar.Zfu‚oo oa`rh mfra `gfut bfralofsura `hi sfma rao`tai jssuas. J‚m dfjhd tf iamystjby tca oad`o prflassas, lut tcrfudcsfma fb tca b`hly o`hdu`da, ijsluss `otarh`tjva `hi lfhtastjhd fptjfhs, ax`mjha sfma ra`ojstjl futlfmas, `hi `osfl`utjfh yfu `gfut bfralofsura raslua sl`ms.

Fhla yfu‚va bjhjscai ra`ijhd tcjs, yfu wjoo ga gattar `goa tf lfhbrfht bfralofsura `hi bfralofsura jssuas r`tjfh`ooy,wjtc tca lfmbfrt fb gajhd waoo prap`rai.

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Qhiarst`hijhd Bfralofsura 

Gabfra wa st`rt t`oejhd `gfut yfur bfralofsura fptjfhs, wa haai tf uhiarst`hi ax`ltoy wc`t tca tarm ‟bfralofsura”ma`hs. Tjejpaij` iabjhas bfralofsura `s, ‟` oad`o prflass jh wcjlc ` oahiar `ttampts tf ralfvar tca g`o`hla fb ` of`hbrfm ` gfrrfwar wcf c`s stfppai m`ejhd p`ymahts tf tca oahiar gy bfrljhd tca s`oa fb tca `ssat usai `s tcalfoo`tar`o bfr tca of`h.”0 Bfralofsura js tf scut fut5 tf g`r5 tf iastrfy `h aqujty fb raiamptjfh, `llfrijhd tf Go`le‚sO`w Ijltjfh`ry.7 

G`sjl`ooy, yfu‚va stfppai m`ejhd yfur `draai-upfh mfrtd`da p`ymahts tf yfur oahiar, usu`ooy ` g`he fr mfrtd`dalfmp`hy. @t tcjs pfjht tca ra`sfhs wcy p`ymahts stfppai ifh‚t m`ttar5 `t tca lfra js tca b`lt tc`t mfhay js hfofhdar gajhd `ppojai tf tca of`h p`ymaht.

Bfralofsura js ` prflass wcara tca oahiar/g`he trjas tf tarmjh`ta `oo rjdcts fb tca cfmafwhar (l`ooai ` mfrtd`dfr ) jhtca prfparty usai `s lfoo`tar`o fh ` of`h. Yf sjmpojby jt avah burtcar, wcah ` cfmafwhar js hf ofhdar `goa tf p`y tcajrmfrtd`da (bfr `hy humgar fb ra`sfhs) `hi tca of`h c`s dfha jhtf iab`uot, tca g`he js dfjhd tf t`ea g`le tca prfpartytf try `hi pravaht burtcar ofssas tf tcajr gfttfm ojha.

Bfralofsura js sl`ry gal`usa fb twf tcjhds tc`t c`ppah. Yca bjrst js wcah ` oahiar jhbfrms ` cfmafwhar tf prap`ra tfofsa tcajr cfma, tca gjddast `hi mfst jmpfrt`ht jhvastmaht jh tca ojba fb tca cfmafwhar. Yca salfhi jhvfovas tca`gsfoutaoy bfrajdh `hi uhialjpcar`goa ‟bfralofsura o`hdu`da,” fbtah havar oa`rhai fr t`udct jh slcffo.

Havartcaoass, bfralofsura js hft ` twf-ca`iai mfhstar fr `h `ojah lra`tura. Oa`rhjhd `hi uhiarst`hijhd tcaprflassas fb bfralofsura wjoo caop yfu ramfva yfur ba`rs `hi uhlart`jhty `hi jhtrfiula mfra salurjty `hi pra-ijlt`gjojty, wcjlc wjoo oa`i tf dra`tar pa`la fb mjhi.

Cfw Ifas ` Bfralofsura Gadjh6 

@ bfralofsura ifas hft kust `ppa`r fut fb tcjh `jr. Jh mfst l`sas tcara wjoo ga jhijl`tfrs tc`t ` bfralofsura mjdct ga

lfmjhd. Yca sjdhs l`h `ppa`r gabfra yfu avah gadjh mjssjhd yfur mfrtd`da p`ymahts. Zfu m`y bjhi yfursaob m`xjhdfut `hy lraijt l`ris yfu c`va fr kuddojhd lraijt l`ri p`ymahts. Ftcar gjoos `hi utjojtjas m`y ga iaojhquaht fr avahtcra`tahjhd scut-fbb. ^arc`ps yfu c`va tf lcffsa wcjlc gjoos tf p`y a`lc mfhtc. Fr yfu‚ra hf ofhdar `goa tf eaap upwjtc m`jhtah`hla fh yfur cfma.

Mfst cfmafwhars wcf stfp m`ejhd p`ymahts fh tcajr mfrtd`da c`va subbarai sfma sfrt fb bjh`hlj`o c`riscjp “ia`tc jh tca b`mjoy, ofss fb ` kfg, ijvfrla, atl. Bfralofsura `s ` prflass gadjhs wcah ` cfmafwhar b`jos tf p`y `mfhtcoy mfrtd`da p`ymaht bfr savar`o lfhsalutjva mfhtcs5 oat‚s lfhsjiar tcjs tca bjrst stap.

Gal`usa fb mjssjhd slcaiuoai p`ymahts, oahiars wjoo, mfst fbtah, t`ea `ltjfh. Ycay wjoo sahi tca cfmafwhar `Hftjla fb Iab`uot oattar jh tca m`jo, wcjlc js tca salfhi stap jh tca bfralofsura prflass.

Fhla tca oahiar m`jos tca cfmafwhar tca Hftjla fb Iab`uot, tcay c`va bfrm`ooy st`rtai tca hfh-kuijlj`o bfralofsuraprflass. Ta‚oo t`oe mfra `gfut kuijlj`o `hi hfh-kuijlj`o bfralofsura jh ` mfmaht. Bfr fur purpfsas, oat‚s l`oo tcjs stap

tcraa jh tca prflass. Yca b`joura fb tca cfmafwhar tf galfma lurraht fh tcajr mfrtd`da p`ymahts, stap bfur,galfmas tca o`st raqujramaht oahiars dahar`ooy lfhsjiar gabfra st`rtjhd tca bfrm`o kuijlj`o bfralofsura prflass.

0cttp;//ah.wjejpaij`.frd/wjej/Bfralofsura7@grjidai 2tc aijtjfh, 4tc raprjht, 0::4 

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Hfh-kuijlj`o bfralofsuras `ra lfmpoatai jh ` sjdhjbjl`htoy b`star `hi mulc mfra sjmpoa m`hhar tc`h kuijlj`obfralofsuras, djvjhd cfmafwhars ojttoa tjma tf `ltu`ooy stfp tca s`oa fb tcajr cfmas. \f, jb ` cfmafwhar ifas hftgalfma lurraht fh mfrtd`da p`ymahts sffh `btar ralajvjhd tca Hftjla fb Iab`uot, oahiars l`h prflaai tf po`la tcaprfparty up bfr s`oa `hi avjlt tca cfmafwhar, iapahijhd fh a`lc p`rtjluo`r st`ta o`w `hi mfrtd`da iflumahts.

Gut ifh‚t p`hjl kust gal`usa yfur oahiar w`hts p`ymaht fb tca mfrtd`da `hi yfu‚ra hft `goa tf m`ea tcfsap`ymahts. Cara‚s sfmatcjhd yfu m`y hft ra`ojza; oahiars havar w`ht tf t`ea lfhtrfo fb yfur cfusa! 

Tcah yfu b`jo tf m`ea ` mfrtd`da p`ymaht, oahiars wjoo dahar`ooy l`oo yfu fh tca taoapcfha tf bjhi fut yfurljrlumst`hlas, av`ou`ta yfur scfrt `hi mji-r`hda bjh`hlj`o strahdtc `hi lfma up wjtc ` po`h `hi matcfi tf qujleoydat yfu g`le fh tr`le tf m`ejhd yfur mfhtcoy mfrtd`da p`ymaht. \f wcjoa yfu m`y baao ojea tca oahiar/g`he js tcaahamy jh tcjs sjtu`tjfh, tcay wjoo, bjrst `hi bframfst, try `hi wfre wjtc yfu tf dat yfu l`udct up fh yfur p`ymahts`hi sat ` po`h mfvjhd bfrw`ri.

Qhbfrtuh`taoy, tc`t jsh‚t `ow`ys ` ra`ojstjl fptjfh iua tf yfur spaljbjl bjh`hlj`o c`riscjp.

^rap`ra tf B`la tca Bfralofsura

Yf b`la ` bfralofsura prflass lfhbjiahtoy `hi jhtaoojdahtoy, ` cfmafwhar c`s tf `llur`taoy `hi ra`ojstjl`ooy `ssass cjs fr

car bjh`hlj`o lfhijtjfh `hi l`p`ljty tf maat butura bjh`hlj`o fgojd`tjfhs. @ cfmafwhar c`s tf `lqujra ` g`sjl

uhiarst`hijhd fb oad`o prflassas `hi oahijhd prfdr`ms. Mfst jmpfrt`htoy, tca cfmafwhar c`s tf ga wjoojhd tf jhvasttjma `hi abbfrt jh bjhijhd ` sujt`goa `hi ra`ojstjl w`y tf rajhst`ta `hi rasuma m`ejhd raduo`r mfhtcoy p`ymahts fhtca mfrtd`da. @ra yfu wjoojhd tf if tca raqujrai wfre jh `h `ttampt tf s`va yfur cfusa6

Jb yfu‚ra hft, tcah ra`i hf burtcar. Jb yfu `ra, tcah oat‚s df fh.

Cfmafwharb`jos tfm`ea

mfrtd`dap`ymahts

Oahiarm`jos

Hftjla fb

Iab`uot tfcfmafwhar

Oahiarjhjtj`tas

hfh-kuijlj`o

bfralofsuraprflass

Cfmafwharb`jos tfgalfma

lurraht fh

mfrtd`dap`ymahts

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Oad`o @spalts fb Bfralofsura 

 Kuijlj`o vs. Hfh-kuijlj`o \t`tas bfr BfralofsuraFha tcjhd tf `iirass gabfra wa dat jhtf spaljbjls js uhiarst`hijhd tca ijbbarahla gatwaah kuijlj`o `hi hfh-kuijlj`o

st`tas wcah jt lfmas tf bfralofsura. Zfu‚oo saa tcasa tarms tcrfudcfut tca gffe, sf jt js jmpfrt`ht tc`t yfu ehfwwc`t tcay `ltu`ooy ma`h.

Kuijlj`o bfralofsura ‟js `v`jo`goa jh avary st`ta (`hi raqujrai jh m`hy), jhvfovas tca s`oa fb tca mfrtd`dai prfpartyuhiar tca suparvjsjfh fb ` lfurt , wjtc tca prflaais fb tca s`oa gajhd ijvjiai `s bfoofws; bjrst tf s`tjsby `oo tca`imjhjstr`tjva `hi oad`o axpahsas jhlurrai jh l`usjhd tca `ultjfhjhd `hi s`oa fb yfur prfparty5 haxt, tf s`tjsby tcamfrtd`da5 tcah tcay wjoo s`tjsby ftcar ojah cfoiars5 `hi bjh`ooy, tca mfrtd`dfr/gfrrfwar jb `hy prflaais `ra oabt. Qhiartcjs systam, tca oahiar jhjtj`tas bfralofsura gy bjojhd ` o`wsujt `d`jhst tca gfrrfwar. @s wjtc `oo ftcar oad`o `ltjfhs, `oop`rtjas must ga hftjbjai fb tca bfralofsura, gut hftjbjl`tjfh raqujramahts v`ry sjdhjbjl`htoy brfm st`ta tf st`ta. @kuijlj`o ialjsjfh js `hhfuhlai `btar tca axlc`hda fb poa`ijhds `t ` (usu`ooy scfrt) ca`rjhd jh ` st`ta fr ofl`o lfurt. Jhsfma r`tcar r`ra jhst`hlas, bfralofsuras `ra bjoai jh baiar`o lfurts.”

Fh tca ftcar c`hi, hfh-kuijlj`o bfralofsura ‟js `utcfrjzai gy m`hy st`tas jb ` pfwar fb s`oa lo`usa js jhlouiai jh tcamfrtd`da fr jb ` iaai fb trust wjtc sulc ` lo`usa w`s usai, jhsta`i fb `h `ltu`o mfrtd`da. Jh sfma st`tas,ojea L`ojbfrhj`, ha`roy `oo sf-l`ooai mfrtd`das `ra `ltu`ooy iaais fb trust. Ycjs prflass jhvfovas tca s`oa fb tcaprfparty gy tca mfrtd`da cfoiar wjtcfut lfurt suparvjsjfh. @h `ltu`o o`wsujt js hft bjoai jh lfurt `hi tca prflass jsifha wjtcfut lfurt suparvjsjfh. Ycjs hfh-kuijlj`o bfralofsura prflass js dahar`ooy mulc b`star `hi lca`par tc`hbfralofsura gy kuijlj`o s`oa. UGut] `s jh U`] kuijlj`o s`oa, `imjhjstr`tjva `hi oad`o lfsts, tca mfrtd`da cfoiar, `hiftcar ojah cfoiars `ra raspaltjvaoy lo`jm`hts tf tca prflaais brfm tca s`oa.” < 

\f ra`ooy, tca ijbbarahla gatwaah ` kuijlj`o bfralofsura `hi ` hfh-kuijlj`o bfralofsura js wcatcar fr hft tca lfurts `rajhvfovai. Yc`t m`eas jt a`sy tf eaap tcam str`jdct “ kuijlj`o jhvfovas ` o`wsujt `hi tca lfurt systam, hfh-kuijlj`oifas hft.

\ugst`htjva vs. ^rflaiur`o WjdctsYca lfhlapts fb sugst`htjva `hi prflaiur`o rjdcts `ra ` lo`ssjl p`rt fb fur oad`o systam, `hi `ra jhtrjl`taoy jhtar-twjhai. Ycay sfuhi lfmpojl`tai, sf oat‚s gra`e tcam ifwh tf m`ea jt a`sjar tf uhiarst`hi tcam.

\ugst`htjva rjdcts jhvfova lfhstjtutjfh`o m`hi`tas, st`tutfry `hi lfmmfh o`w ifltrjhas iaslrjgjhd `hi iabjhjhdp`rtjluo`r rjdcts `hi raspfhsjgjojtjas tca o`w jmpfsas upfh pafpoa `hi jhstjtutjfhs. ^rflaiur`o  jhvfovas tca m`hhar`hi matcfis tca oad`o systam bfoofws tf ahsura tca rjdcts `hi raspfhsjgjojtjas `ra prfparoy `oofl`tai `hi dr`htai tf`hi ax`ltai, raspaltjvaoy, brfm tcfsa s`ma jhijvjiu`os `hi jhstjtutjfhs.

@s sfmafha wcf js b`ljhd bfralofsura fr `hy ftcar oad`o lo`jm, yfu m`y tcjhe fb tca twf lfhlapts `s bfoofws;

•  \ugst`htjva “ Tc`t rjdcts `hi raspfhsjgjojtjas tca o`w jmpfsas `hi gastfws fh ma.

•  ^rflaiur`o “ Tc`t m`hhar `hi matcfis tca kuijlj`o systam usas tf ahsura J `m djvah `oo my rjdcts, wcjoa

ax`ltjhd `oo raspfhsjgjojtjas iua brfm ma.

\jhla Gouad`ta M`h`damaht Lf.js g`sai jh Bofrji`, oat‚s bflus bfr ` mfmaht fh wc`t c`ppahs jh tca bfralofsuraprflass jh tcjs st`ta (Bofrji` `osf c`ppahs tf ga fha fb tca st`tas, rjdct hfw, wjtc tca cjdcast humgar fbbfralofsuras).

Bofrji` js ` kuijlj`o st`ta, ma`hjhd tca bfralofsura prflass c`s tf df tcrfudc tca lfurts. @llfrijhdoy, oahiars `raraqujrai tf `se tca lfurts tf iastrfy `hy lo`jm fb aqujty fb raiamptjfh `hi tf tarmjh`ta `oo rjdcts yfu `s `

<cttps;//ah.wjejpaij`.frd/wjej/Bfralofsura

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cfmafwhar m`y c`va fr lo`jm tf c`va jh tca prfparty (dahar`ooy gy ` kuijlj`o s`oa fb tca prfparty) sarvjhd `slfoo`tar`o fh yfur mfrtd`da of`h. Ycay `ra g`sjl`ooy `sejhd tc`t yfu hf ofhdar c`va fwharscjp rjdcts tf yfur cfusa.

Bfralofsura, ojea `hy ftcar `ra` fb o`w, c`s jts uhjqua lc`r`ltarjstjls `hi p`rtjluo`r aoamahts, wcjlc avary o`wsujtmust bfoofw `hi js gfuhi tf fgsarva. Zfu l`h sjdhjbjl`htoy jhlra`sa tca fiis fb eaapjhd yfur cfusa gy oa`rhjhd tcfsaaoamahts `hi lc`r`ltarjstjls raoav`ht tf tca bfralofsura lo`jm.

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Yca Bfralofsura ^rflass 

 Zfu Walajvai ` Bfralofsura Hftjla… Hfw Tc`t6Yc`t i`y c`s lfma wcah yfu dat yfur m`jo `hi tcara jt js, ` bfralofsura hftjla brfm yfur oahiar. Zfur jhjtj`o ra`ltjfhmjdct ga `hdar fr p`hjl. Gut, ojea wa s`ji jh tca gadjhhjhd, jt ifash‚t c`va tf ga. Ycjs js tca tjma tf t`ea ` iaapgra`tc `hi ramamgar tc`t yfu c`va `otarh`tjvas.

Ehfw tca tarmjhfofdy, uhiarst`hi tca o`hdu`da, tca tjmabr`ma, `hi wc`t wjoo c`ppah `t a`lc stap, `hi yfu‚oo ga `goatf iavaofp ` po`h tf dat yfursaob fut fb tca sjtu`tjfh fha w`y fr `hftcar.

Yca vary bjrst stap yfu l`h t`ea tf s`vjhd yfur cfusa brfm bfralofsura js gajhd wjoojhd tf wfre wjtc yfur oahiar fh

` sfoutjfh, `hi gajhd ijojdaht `gfut tc`t wjoojhdhass. Ycjs w`y, yfu‚ra m`ejhd tca abbfrt `hi prfvjhd tc`t yfu‚radfjhd tf try `hi m`ea dffi fh tca mfrtd`da.

Qhiarst`hijhd tca oad`o bfralofsura prflass js tca salfhi mfst assahtj`o stap jhtf `ttamptjhd tf s`va yfur cfusa .

Gy uhiarst`hijhd tca dahar`o oad`o prflass, yfu wjoo dra`toy jhlra`sa tca ojeaojcffi fb ra`lcjhd ` iasjrai futlfma`hi sullassbuooy rasfovjhd tca bfralofsura lo`jm `d`jhst yfu. Ta‚va `ora`iy t`oeai `gfut sfma lfhlapts yfu haai tfehfw.

Bfr cfmafwhars jh Bofrji`, bfralofsura gadjhs wcah yfu ralajva ` lfpy fb tca Ojs ^ahiahs (fr jt lfuoi ga ` Lo`jm bfrfr Hftjla fb Bfralofsura, iapahijhd fh yfur st`ta). Jh hfh-kuijlj`o st`tas, tca bfralofsura prflass gadjhs wcah tcaoahiar jssuas ` Hftjla fb \`oa.

@ cfmafwhar wcf c`s ralajvai ` Ojs ^ahiahs (fr ftcar typa fb hftjbjl`tjfh) brfm tca oahiar scfuoi t`ea `ltjfhjmmaij`taoy tf m`jht`jh `oo kuijlj`o prflaiur`o rjdcts `hi tf bjhi ` mfst b`vfr`goa, iasjrai, jhtaoojdaht futlfma.

Yca Ojs ^ahiahs assahtj`ooy sarvas twf buhltjfhs; bjrst, tca oahiar wjoo `se tca lfurt tf dr`ht jt `oo rjdcts `hi lfhtrfofvar tca prfparty tf ahsura p`ymaht fh tca mfrtd`da, `hi salfhi, jt hftjbjas tca cfmafwhar tf m`ea `rr`hdamahtstf grjhd p`ymahts lurraht fh tca mfrtd`da `hi/fr `hswar tf fr iabahi tca lo`jm tc`t tca oahiar prasahtai tf tca

lfurt.

Yjma Js fb tca Assahla; @lt tf \`va Zfur Cfma

Oat‚s t`ea ` dahar`o offe `t wc`t tca tjmaojha bfr ` bfralofsura offes ojea; 9 

•  I`y 0; Jt's tca bjrst fb tca mfhtc, `hi tca mfrtd`da p`ymaht js iua. Yca gfrrfwar mjssas tca p`ymaht.

• 

I`y 02 tf i`y <>; @ o`ta lc`rda js `ssassai fh p`ymaht. Yca lfmp`hy tc`t prflassas tca gfrrfwar's

p`ymahts (l`ooai tca mfrtd`da sarvjlar) st`rts `ttamptjhd tf m`ea lfht`lt tf bjhi fut wc`t c`ppahai.

•  I`y 91 tf i`y 2>; Yca sarvjlar sahis ` "iam`hi" fr "gra`lc" oattar tf tca gfrrfwar pfjhtjhd fut tc`t tarms fb

tca mfrtd`da c`va gaah vjfo`tai. Yca gfrrfwar js djvah <> i`ys tf rasfova tca sjtu`tjfh gy p`yjhd tca

iaojhquaht `mfuht.

• 

I`y :> tf i`y 0>1; Yca sarvjlar rabars tca of`h tf jts bfralofsura iap`rtmaht `hi cjras ` ofl`o `ttfrhay frftcar bjrm tf jhjtj`ta bfralofsura prflaaijhds. Iapahijhd fh tca st`ta wcara tca cfma js ofl`tai, tca

sarvjlar's raprasaht`tjva m`y ralfri ` bfrm`o hftjla fb bfralofsura `t tca ofl`o lfurtcfusa, pugojsc iat`jos fb

tca iagt jh tca ofl`o hawsp`par, `ttahi ca`rjhds fh tca l`sa `hi m`ea `pprfprj`ta lfurt bjojhds.

• 

I`y 01> tf i`y 901; Yca cfusa js sfoi `t ` bfralofsura s`oa fr `ultjfh.1 Yca ofhd tjma sp`h js iua tf ijbbaraht

st`ta raqujramahts. Gfrrfwars jh st`tas wjtc kuijlj`o bfralofsuras, fr tcfsa jh wcjlc oahiars c`va tf rat`ea

9cttp;//www.g`her`ta.lfm/bjh`hla/mfrtd`das/bfralofsuras-`t-`-do`hla.`spx

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3

prfparty tjtoas vj` tca lfurt systam, l`h dat `omfst ` ya`r tf str`jdctah fut tcajr `bb`jrs gabfra tca s`oa.

Ycfsa jh hfh-kuijlj`o st`tas c`va `s ojttoa `s twf mfhtcs.

•  I`y 01> tf i`y 901+; @btar tca s`oa, sfma st`tas dr`ht gfrrfwars ` "raiamptjfh parjfi" jh wcjlc tcay l`h

stjoo rapurlc`sa tca prfparty jb tcay c`va tca mfhay. Ftcars bfrla tca (hfw bfrmar) cfmafwhars fut fb tca

cfusa jmmaij`taoy bfoofwjhd tca `ultjfh.

Hfw tc`t yfu c`va ` g`sjl sahsa fb tca fvar`oo prflass, oat‚s dat g`le tf sfma spaljbjls.

^rflaiur`o O`w  (ramamgar, tca ifltrjha fh m`hhar `hi matcfis tca o`w bfoofws tf ahsura prasarv`tjfh fb rjdcts`hi ax`ltjhd raspfhsjgjojtjas tf `hi brfm jhijvjiu`os `hi jhstjtutjfhs) ast`gojscas spaljbjl ruoas `hi raqujramahts.Avary sjhdoa oad`o lo`jm wjoo bfoofw tca prflaiur`o ruoas partjhaht tf a`lc l`sa. Ycjs aoamaht js vary jmpfrt`htgal`usa jt jhvfovas spaljbjl matcfis tf bfoofw `hi lfmpoata wcah prfsalutjhd ` lo`jm. Jt jmpfsas strjlt i`taia`iojhas, `hi guriahs lo`jm`hts tf scfw rao`tjfhscjps, fgojd`tjfhs, `hi/fr ftcar aoamahts, assahtj`o fr `gsfoutaoyhalass`ry tf prfva fr ijsprfva ` lo`jm ` parsfh fr jhstjtutjfh prasahts gabfra tca lfurt.

Bofrji` prflaiur`o o`w iam`his tca oahiar tf sarva (` oad`o tarm ma`hjhd tca oahiar c`s prfvjiai fr l`usai yfu tfralajva ` lfpy fb tca Ojs ^ahiahs) tca cfmafwhar, `hi `oo iabahi`hts tf tca bfralofsura o`wsujt, wjtcjh 07>  i`ys`btar tca bjojhd fb tca jhjtj`o Ojs ^ahiahs.

Jh turh yfu, tca cfmafwhar, must bjoa yfur `hswar tf tca bfralofsura lo`jm (Ojs ^ahiahs) tc`t tca oahiar bjoai gabfratca lfurt wjtcjh 7> i`ys brfm tca i`ta yfu bjrst ralajvai tca Ojs ^ahiahs. Hfta tc`t ‟m`hi`tai maij`tjfh” js hfofhdar raqujrai.2 

1 Ycasa `ra p`rt fb tca `imjhjstr`tjva `hi oad`o lfsts mahtjfhai a`rojar, jh tca Kuijlj`o v. Hfh-kuijlj`o Bfralofsura saltjfh.Dahar`ooy, jt jhlouias lfmmjssjfhs, baas, fr p`ymahts bfr sarvjlas tf tca `ultjfhaar, ofl`o scarjbb, ojstjhd `daht, hawsp`parpugojl`tjfh, `hi `hy ftcar ahtjty jhvfovai jh tca `ivartjsjhd, saoojhd, `hi avjltjfh fb fwhar fb tca prfparty.2  cttp;//www.hfof.lfm/oad`o-ahlylofpaij`/bofrji`s-bfralofsura-maij`tjfh-prfdr`m.ctmo 

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Tc`t \cfuoi ` Cfmafwhar If fr Hft If6 

@s ` cfmafwhar, yfu scfuoi havar jdhfra fr ijsmjss tca Ojs ^ahiahs (fr ftcar typa fb bfralofsura lo`jm). Ycjs js fhafb tca wfrst tcjhds yfu l`h if, `s jdhfrjhd tca prfgoam wfh‚t m`ea jt df `w`y.

Jb yfu lcffsa tf hft t`ea `ltjfh `hi oat tca bfralofsura c`ppah, hft fhoy wjoo yfur lraijt r`tjhd subbar ` cuda cjt, gutyfu wjoo bjhi jt vary ijbbjluot tf if tcjhds ojea dat ` of`h, guy ` haw cfma, m`yga avah raht `h `p`rtmaht fr bjhi `dffi kfg. @ pffr lraijt slfra mjdct avah rasuot jh `h jhlra`sa fh yfur l`r jhsur`hla r`tas. Tcy t`ea tc`t rjse wcahtcara `ra tcjhds yfu l`h if tf caop yfursaob64 

Jhsta`i, yfu scfuoi m`ea yfursaob `w`ra fb `oo jmpfrt`ht i`tas, jtams `hi/fr `ltjfhs, ia`iojhas, `hi aoamahts fb tcaoad`o prflass. Djva yfursaob tca `iv`ht`da gy ifjhd yfur cfmawfre `hi `hy rasa`rlc halass`ry tf uhiarst`hi ax`ltoywc`t js c`ppahjhd wjtc yfur l`sa. Ycjs wjoo caop djva yfu mfra lfhtrfo fb tca bfralofsura sujt tca oahiar jhjtj`tai`d`jhst yfu gabfra tca lfurt (`d`jh, jh tca sjtu`tjfh fb ` kuijlj`o st`ta).

Oa`rh tca g`sjl, assahtj`o staps fb tca oad`o prflassas, ehfw wcf yfur oahiar js, `hi wcf `ra tca `ttfrhay `hi g`he

ampofyaas wfrejhd `hi ialjijhd tca tarms `hi prflassas raoav`ht tf yfur mfrtd`da of`h. Bjhi fut tcajr h`mas `hitca rfoas tcay po`y “ wc`t js tcajr raspfhsjgjojty6

Bjhi `hi d`tcar up `oo yfur of`h iflumahts jb tcay `ra hft `ora`iy jh fha ofl`tjfh fr bfoiar. Galfma buooyehfwoaida`goa fb tca typa  fb of`h yfu c`va, wc`t `ra tca tarms  fb tca of`h, `hi `hy ftcar spaljbjl raqujramahts`hi/fr spalj`o lc`r`ltarjstjls yfur mfrtd`da lfhtr`lt aht`jos. Oa`rh `hi ehfw tca jhijvjiu`os wcf raprasaht yfuroahiar `hi wc`t ialjsjfh m`ejhd pfwar tc`t jhijvjiu`o c`s tf ra`lc `h `draamaht wjtc yfu. Tcah ` parsfh ifas hftc`va `hy ialjsjfh m`ejhd pfwar, `hy `draamahts `ra sugkalt tf `hftcar‚s `pprfv`o, strjpjhd yfu fb `h fppfrtuhjty tflfhlousjvaoy lofsa fh ` pfsjtjva fr gahabjlj`o fptjfh fr `llfri bfr yfu ’ tca oass `utcfrjty tca parsfh yfu `ra t`oejhdtf c`s, tca dra`tar `mfuht fb tjma `hi abbfrt jt wjoo t`ea yfu tf ra`lc `h `draamaht. C`va tcajr lfht`lt jhbfrm`tjfhra`ijoy `v`jo`goa.

O`stoy, oa`rh `gfut `hy ftcar bjh`hljhd `otarh`tjvas vj` baiar`o `hi st`ta cfusjhd `ji, bfralofsura `ssjst`hla, `hi/frtrustai `hi raput`goa lraijt `ji frd`hjz`tjfhs fr `dahljas. @ow`ys `se `hi scfp bfr ftcar fppfrtuhjtjas.

@rmjhd yfursaob wjtc tcjs ehfwoaida wjoo caop yfu `s yfu‚ra h`vjd`tjhd tca bfralofsura prflass. Zfu‚oo ga `seai tfprfvjia jhbfrm`tjfh `hi yfu‚oo haai tf `se quastjfhs, `hi c`vjhd `oo tca iflumahts `hi jhbfrm`tjfh yfu haai rjdct `tyfur bjhdartjps wjoo dra`toy caop tc`t prflass `ofhd.

Yf Ga fr Hft Yf Ga Ojtjdjfus

Hfw tc`t yfu‚va d`tcarai `oo yfur p`parwfre `hi oa`rhai sfma fb tca eay pjalas fb jhbfrm`tjfh `gfut yfur of`h `hitca bfralofsura lo`jm `d`jhst yfu, jt‚s tjma tf lfhsjiar yfur fptjfhs bfr mfvjhd `ca`i jh tca prflass `hi `llassjhdcaop.

Gaofw `ra sfma fptjfhs fb wcara yfu l`h turh bfr caop. Ycasa `ra hft jh `hy friar, gut tcay if cjdcojdct ijbbarahtoavaos fb axpartjsa. Zfu‚oo saa, `btar ra`ijhd tcrfudc tcam, tc`t yfu l`h `ltu`ooy bflus fh ` lfmgjh`tjfh fb fptjfhs tf

caop `lcjava tca mfst fptjm`o futlfma.

Cjra @h @ttfrhay

If yfu ehfw cfw tf rap`jr tca ahdjha fb yfur l`r6 M`yga yfu `ra lfmbfrt`goa sjmpoy lc`hdjhd tca fjo tcah dattjhdprfbassjfh`o caop bfr mfra talchjl`o `hi iat`joai t`ses. Gut, jb yfu ra`ooy w`ht tf ehfw cfw tf rap`jr ` l`r ahdjha,yfu l`h rasa`rlc, stuiy, oa`rh, `hi pr`ltjla cfw tf if jt.

4cttp;//www.g`her`ta.lfm/bjh`hla/mfrtd`das/3-if-s-`hi-ifh-ts-bfr-bjdctjhd-bfralofsura-0.`spx

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0>

Ycjs s`ma prjhljpoa `ppojas tf ehfwjhd wcah `hi cfw tf ‟abbaltjvaoy `hi prfparoy” `hswar tca Ojs ^ahiahs tca oahiarbjoai `d`jhst yfu (`hi wcah tf bjoa tca `hswar). Aqu`ooy jmpfrt`ht js wcatcar yfu scfuoi jhlouia `hy, fr l`h yfuprasaht `hy ‟`bbjrm`tjva iabahsas6” Jb yfu if hft prasaht `hy ‟`bbjrm`tjva iabahsas,” if yfu w`jva tcam `hi tcah hftprasaht tcam `t ` o`tar tjma6 Ycfsa `ra tca typas fb tcjhds gast oabt tf ` prfbassjfh`o.

J `m hft lo`jmjhd cara tc`t yfu l`h fhoy iabahi `d`jhst tca bfralofsura lo`jm jb yfu cjra `h `ttfrhay. Lart`jhoy, `h`ttfrhay wjoo ga `goa tf caop yfu tcrfudc tca ahtjra prflass `hi pfssjgoy c`hioa mulc fb jt fh yfur gac`ob. Gut, jb yfura`ooy w`ht tf ehfw cfw tf `hswar tca Ojs ^ahiahs, yfu l`h rasa`rlc, stuiy, `hi oa`rh g`sjl  oad`o prflassas `hiraqujramahts sf tc`t parc`ps yfu l`h if lart`jh tcjhds yfursaob. Ycah, bfr mfra talchjl`o `hi spalj`ojzaiehfwoaida, yfu m`y haai tf saae prfbassjfh`o oad`o `ivjla.

Tcah jt js `ivjs`goa tf cjra `h `ttfrhay6

•  Yf ahsura tca oahiar prfparoy bjoai tca o`wsujt `d`jhst yfu (lcalejhd tc`t jt w`s ifha prfparoy).

• 

Yf ahsura tca oahiar maats `oo oad`o raqujramahts tc`t ahtjtoai jt tf bfralofsa `d`jhst yfu.

•  Jb yfu l`h lo`jm ‟`bbjrm`tjva iabahsas” (`llfuhtjhd fr axtr` baa ijsputas fh p`ymahts j.a.; lc`rdjhd bfr

jhsur`hla wcjoa yfu l`rrjai yfur fwh pfojly, ijsputas fh tarms fb tca mfrtd`da, atl.).

•  Ojmjtai lfhsuot`tjfh tf wajdc yfur fptjfhs.

^rfbassjfh`o Bfralofsura LfuhsaojhdIabahijhd ` bfralofsura lo`jm js vary, vary strassbuo. Zfu l`h saae uhgj`sai, trustwfrtcy, `hi prfbassjfh`o lfuhsaojhd`t ojttoa fr hf lfst tf yfu. Baiar`o, st`ta, `hi ofl`o dfvarhmaht `dahljas `hi kuijlj`o fbbjlas prfvjia cfmafwhars wjtc

`ssjst`hla `hi `ivjsa fh fptjfhs bfr eaapjhd tcajr prfparty, lfhsjiarjhd lraijt `hi oad`o fptjfhs, `hi `ssassjhd `hjhijvjiu`o‚s l`p`ljty `hi prfg`gjojty tf gast rasfova tca bfralofsura lo`jm. Ycasa ahtjtjas `ra, `t tca vary oa`st, sfojiaiul`tjfh`o `hi jhstrultjfh`o rasfurlas `v`jo`goa tf yfu `t mjhjm`o fr hf lfst.

Wasa`rlc

Zfu wjoo dra`toy gahabjt brfm ehfwjhd spaljbjl ia`iojhas `hi matcfis tca o`w jmpfsas fh gftc yfu `hi tca oahiar.Ycjs ifash‚t ma`h yfu c`va tf `ttahi o`w slcffo `hi galfma ` oad`o axpart. Gut if sfma rasa`rlc tf oa`rh `hiuhiarst`hi g`sjl `hi assahtj`o aoamahts fb tca oad`o prflass sf tc`t yfu l`h ahc`hla yfur `gjojty tf m`ea ` gattar,mfra `llur`ta `ssassmaht fb tca bfralofsura lo`jm `d`jhst yfu. Yca Jhtarhat c`s put `oo tc`t ehfwoaida `t yfurbjhdartjps, yfu kust c`va tf df `hi bjhi jt (gut `s wjtc avarytcjhd fh tca Jhtarhat, m`ea sura yfu‚ra oa`rhjhd brfm `hisaaejhd fut raput`goa sfurlas). Ycah yfu wjoo ga `goa tf t`ea tca ialjsjfh tc`t js mfst prfbjt`goa `hi sujt`goa tf yfurspaljbjl jhtarast `hi ljrlumst`hlas.

If-Jt-Zfursaob

Zfu scfuoi t`ea tcjs `pprf`lc fhoy `btar yfu c`va `ora`iy usai, tf sfma axtaht, a`lc fb tca fptjfhs ijslussai `gfva.Ycah yfu m`y ga `goa tf prfparoy `hswar tca Ojs ^ahiahs, wfre wjtc yfur oahiar fh bjhijhd ` w`y tf rajhst`ta tca of`h`hi/fr lfhsjiar `hftcar w`y tf mjhjmjza tca had`tjva lraijt `hi bjh`hlj`o futlfmas fb tca bfralofsura.

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Gaw`ra fb Bfralofsura \l`ms 

@s sf fbtah c`ppahs jh sjtu`tjfhs wcara pafpoa `ra vuohar`goa, bfralofsura raslua sl`ms c`va galfma b`r tff

lfmmfh. Jh tcjs typa fb slah`rjf, ` parsfh fr lfmp`hy wjoo lo`jm tf ‟lfma tf yfur raslua” `hi dat yfu fut fb yfurijbbjluot sjtu`tjfh.

Jt js vary jmpfrt`ht tc`t yfu `ra `w`ra fb sfma fb tca bfralofsura `ssjst`hla sl`ms `hi if wc`t yfu l`h tf prftaltyfursaob brfm galfmjhd ` vjltjm, pfssjgoy ahijhd up jh ` wfrsa sjtu`tjfh tc`h wcah yfu st`rtai. Qhbfrtuh`taoy, tcfsawcf wara cjt c`riast gy prai`tfry oahijhd `ra tcfsa c`riast cjt gy sl`mmars, h`maoy lart`jh mjhfrjty `hi sahjfrpfpuo`tjfhs.

Gut uhiarst`hi, `hyfha, `hywcara l`h galfma ` vjltjm fb ` sl`m.

Ycara `ra twf m`jh guleats fr l`tadfrjas fb sl`ms;3 

• 

@iv`hla-baa of`h mfijbjl`tjfh “ Ycjs js wcah ` ‟lfmp`hy” wjoo `se bfr ` baa up-brfht (`s cjdc `s $7,1>>) jh

axlc`hda bfr ` du`r`htaai of`h mfijbjl`tjfh, tcaragy s`vjhd yfu brfm bfralofsura.

• 

\`oas-oa`sag`le “ Ycjs js wcah ` cfmafwhar surrahiars tca tjtoa fb tcajr cfma jh axlc`hda bfr gajhd `goa tf

st`y `s ` rahtar, avahtu`ooy guyjhd g`le tca cfma (` b`osa raht-tf-fwh). Yca prfgoam lfmas wcah tca

cfmafwhar js prfmptoy avjltai `hi oabt wjtc hf oad`o ralfursa gal`usa tcay sjdhai fvar rjdcts tf tcajr cfma.

Yca dffi haws js tcasa typas fb sl`ms wara fbbjlj`ooy iaamai jooad`o `llfrijhd tf tca BYL `s fb 7>00. : 

J strfhdoy urda yfu tf havar p`y mfhay hfr sjdh tca tjtoa fr rjdcts tf yfur prfparty tf `hy tcjri p`rty (ahtjty ftcartc`h yfur oahiar) wcf js du`r`htaajhd fr prfmjsjhd yfu tf stfp yfur bfralofsura. Yca fhoy parsfhs/ahtjtjas tc`t l`hprfmjsa yfu `hi ga `goa tf stfp yfur bfralofsura `ra yfur oahiar `hi tca kuida ca`rjhd tca bfralofsura lo`jm.0> Jbyfur g`he `ses bfr ` p`rtj`o p`ymaht fh ` g`o`hla tf lfhsjiar oattjhd yfu eaap yfur cfma, m`ea sura tf dat tc`t fbbarjh wrjtjhd. Ftcarwjsa, tcay l`h sjmpoy `ppoy tc`t mfhay tfw`ris pah`oty baas, o`ta lc`rdas, `hi `hy mfhjasfutst`hijhd, `hi stjoo bfralofsa fh tca prfparty.

T`rhjhd \jdhs fb Bfralofsura \l`ms

Jh 7>09, HajdcgfrTfres @marjl` m`ia ` vary jhbfrm`tjva, scfrt vjiaf lahtarjhd `rfuhi of`h mfijbjl`tjfh sl`ms.00 Yca vjiaf fpahs, ‟Jh 7>>: wcah tca of`h mfijbjl`tjfh sl`m `oart l`mp`jdh st`rtai, tca gjddast sjdh fb ` sl`m w`slfmp`hjas `sejhd bfr mfhay, usu`ooy up brfht.” HajdcgfrTfres @marjl` tffe tf tca straats tf bjhi fut wc`t pafpoara`ooy ehaw `gfut of`h mfijbjl`tjfh sl`ms. J ralfmmahi tc`t yfu w`tlc (tca vjiaf js kust fvar twf mjhutas ofhd) `hisaa cfw yfu wfuoi raspfhi tf tca jhtarvjawar‚s quastjfhs, sulc `s cfw mulc wfuoi yfu ga wjoojhd tf p`y bfr ` of`hmfijbjl`tjfh `hi wcatcar yfu ehfw jt js jooad`o bfr lfmp`hjas tf lc`rda yfu bfr ` mfijbjl`tjfh.

Ycara `ra sfma w`rhjhd sjdhs tc`t yfu l`h offe bfr tf `vfji galfmjhd ` vjltjm fb ` bfralofsura raslua sl`m. Qsaaxtrama l`utjfh jb;

•  Zfu `ra `seai tf p`y ` baa jh `iv`hla fb ralajvjhd `hy `ssjst`hla.

• 

Yca lfmp`hy js du`r`htaajhd tc`t tcay l`h stfp yfur bfralofsura. Fhoy yfur oahiar l`h m`ea tcjs lo`jm.•  Zfu `ra tfoi tf stfp m`ejhd yfur mfhtcoy mfrtd`da p`ymahts `hi p`y tca lfmp`hy jhsta`i. Ifh‚t m`ea

p`ymahts tf `hyfha axlapt yfur oahiar.

•  Zfu `ra prassurai tf sjdh fvar tca tjtoa tf yfur cfma wjtcfut buooy uhiarst`hijhd wc`t yfu‚ra sjdhjhd.

3cttp;//www.::1cfpa.frd/bjhi-caop/mfrtd`da-sl`ms:  cttps;//www.btl.dfv/haws-avahts/maij`-rasfurlas/lfhsumar-bjh`hla/mfrtd`da-raojab-sl`ms0> G`heruptly kuidas l`h fhoy iao`y tca bfralofsura prflass, gut `ra hft `goa tf ijsmjss tca bfralofsura.00cttps;//www.yfutuga.lfm/w`tlc6v=iG2iMgorVef&ba`tura=yfutu.ga  

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•  Yca lfmp`hy lo`jms tf ga ‟dfvarhmaht `pprfvai.” Tcah yfu saa tcjs, m`ea sura tf if yfur rasa`rlc `hi

lcale tcam fut gy lfht`ltjhd yfur st`ta `ttfrhay dahar`o‚s fbbjla.

•  Zfu `ra `seai tf prfvjia parsfh`o bjh`hlj`o jhbfrm`tjfh tf ` lfmp`hy yfu ifh‚t ehfw. Lfht`lt yfur st`ta

`ttfrhay dahar`o‚s fbbjla tf oa`rh `gfut tca lfmp`hy.

Bfr mfra iat`joai jhbfrm`tjfh, vjsjt tca Q.\. Iap`rtmaht fb Kustjla Q.\. Yrustaa ^rfdr`m‚s ojst fb w`rhjhd sjdhs `twww.usifk.dfv/ust/af/pugojlV`bb`jrs/b`ltscaat/ifls/bs>2.ctm.  

G`sjl`ooy, tca sl`m `rtjst js tryjhd tf jsfo`ta yfu brfm lfmmuhjl`tjhd wjtc yfur `ltu`o oahiar fr ` oadjtjm`talfuhsaofr wcjoa lfhvjhljhd yfu tc`t tcay `ra tca fhoy rasfurla yfu haai. Ycjs luts yfu fbb brfm yfur oadjtjm`tasfurla fb caop. Ifh‚t oat tc`t c`ppah!

Tc`t l`h yfu offe bfr tf m`ea sura ` lfmp`hy fr `dahly js oadjtjm`taoy tryjhd tf caop yfu6  Ycay wjoo wfre wjtc yfutf ravjaw `oo yfur p`parwfre `hi of`h iflumaht`tjfh `hi ijsluss tca prflass `hi yfur fptjfhs jh iat`jo. Avarytcjhd wjoo ga iflumahtai jh wrjtjhd, `hi tcay wjoo hft fgkalt tf yfur `sejhd bfr jhput brfm ftcar prfbassjfh`os “ `ttfrhays,lfuhsaofrs, yfur oahiar, `hi sf fh. Yca gast p`rt6 Ycay wjoo hft `se bfr ` baa bfr tcajr sarvjlas, mulc oass up brfht.

Jb yfu suspalt `hy fb tca `gfva w`rhjhd sjdhs `ra c`ppahjhd tf yfu, stfp jmmaij`taoy, st`rt `sejhd quastjfhs, `hi ifsfma jhvastjd`tjhd. L`oo tca Cfmafwhar‚s CF^A® Cftojha `t 333-::1-CF^A℧ jb yfu c`va `hy ifugts, lfhlarhs frquastjfhs, fr tcjhe yfu m`y c`va gaah tca vjltjm fb ` sl`m. Tcah yfu `ra uhlart`jh, IF HFY \JDH @HZIFLQMAHY\ @HI JMMAIJ@YAOZ \AAE @\\J\Y@HLA BWFM @HZ BAIAW@O, \Y@YA, FW OFL@O @DAHLZ FWOFL@O/LFQHYZ LFQWY FW G@W @\\FLJ@YJFH. \aa tca @ppahijx bfr mfra jhbfrm`tjfh.

@s wjtc m`hy tcjhds jh ojba, jb sfmatcjhd sfuhis tff qujle, tff a`sy, fr tff dffi tf ga trua, jt mfst ojeaoy js.

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0<

Yfp 1 Puastjfhs ^afpoa B`ljhd Bfralofsura @se 

Yca tfp 1 mfst lfmmfh quastjfhs tc`t J ca`r brfm cfmafwhars b`ljhd bfralofsura `ra `s bfoofws;

0.  L`h J s`va my cfma brfm bfralofsura6

Jt js pfssjgoa tc`t yfu l`h s`va yfur cfma brfm bfralofsura5 jt dfas g`le tf wc`t w`s mahtjfhai a`rojar. Zfu haai tfst`rt t`ejhd `ltjfh jmmaij`taoy gy tcfrfudcoy `hi lfmpoataoy ra`ijhd `hi uhiarst`hijhd tca lo`jm tc`t c`s gaahgrfudct `d`jhst yfu. Haxt yfu haai tf d`tcar `hi uhiarst`hi `oo fb yfur of`h iflumahts `hi bjhi fut wcf yfu haaitf spa`e wjtc tf gadjh tca prflass fb stfppjhd tca bfralofsura. Ycah yfu haai tf lfht`lt yfur oahiar `hi fpah up `ij`ofdua. M`ea ` lfmpoata `hi tcfrfudc `ssassmaht fb yfur bjh`hlj`o sjtu`tjfh `hi lfhsjiar `oo yfur fptjfhs,jhlouijhd g`heruptly `hi scfrt s`oa.

7.  Tc`t fptjfhs if J c`va jb J ralajva ` bfralofsura hftjla6

Jb yfu c`va ralajvai ` bfralofsura hftjla fb sfma sfrt, yfur fptjfhs bfr `otarh`tjvas tf bfralofsura, `ra (jh dahar`otarms).07 

•  Of`h mfijbjl`tjfh “ Ycjs js wcah ` oahiar mfijbjas yfur lurraht of`h tf djva yfu ` mfhtcoy p`ymaht `mfuht

tc`t js mfra m`h`da`goa bfr yfu. Yca bjh`o `mfuht fb tca of`h m`y jhlra`sa `s ` rasuot, gut yfu‚oo ga gattar

`goa tf m`h`da tca p`ymahts bfr tca ofhd tarm.

•  Bfrga`r`hla “ Bfrga`r`hla tampfr`rjoy suspahis tca mfhtcoy mfrtd`da p`ymahts `hi l`h c`ot tca

bfralofsura prflass, gut fhoy wjtc tca oahiar‚s `draamaht.

• 

Wap`ymaht po`h “ Yca oahiar spra`is fut tca mjssai p`ymahts fvar jhst`oomahts tf djva yfu ` lc`hla tf dat

l`udct up fh tca of`h.

•  ^`rtj`o lo`jm “ Ycjs js `h jhtarast-braa of`h tf caop yfu rajhst`ta ` iaojhquaht of`h. Ycjs js fh tfp fb (jh

`iijtjfh tf) tca frjdjh`o mfrtd`da, hft jh po`la fb.

• 

Wabjh`hla “ @ oahiar m`y ga wjoojhd tf rabjh`hla tca lurraht of`h. @hy mjssai p`ymahts `ra tcah kust gujot jh

tf tca haw of`h `mfuht.

• 

Bfrdjvjhd ` p`ymaht “ @ oahiar m`y bfrdjva tca mjssai p`ymahts `s ofhd `s tca gfrrfwar `draas tf ram`jh

lurraht mfvjhd bfrw`ri . Ycjs fptjfh js axtramaoy r`ra, sf hft ojeaoy.

• 

Wajhst`tamaht “ Ycjs js wcah ` cfmafwhar rap`ys `oo fwai mfhjas tf tca oahiar, jhlouijhd tca mjssai

mfrtd`da p`ymahts, `hy o`ta baas, `hi `iijtjfh`o baas tca oahiar c`s jmpfsai.

@s yfu l`h saa, tcara `ra ` humgar fb ijbbaraht fptjfhs, gut yfu wfh‚t avah ga `goa tf gadjh axpofrjhd tcam uhtjo yfut`ea ` iaap gra`tc `hi lfht`lt yfur oahiar (fr ` lfuhsaofr) tf st`rt tca ijslussjfhs.

<.  Tcy scfuoi J t`oe (wfre) wjtc my oahiar jb J c`va ralajvai ` bfralofsura hftjla6

Ta t`oeai `gfut tcjs ` ojttoa jh tca pravjfus saltjfh.Yca oahiar ifas hft w`ht yfur cfusa g`le

. Yf tcam jt ma`hs`iijtjfh`o axpahsa, `iiai jhvahtfry, `hi `iijtjfh`o rasfurlas tc`t tcay wfuoi r`tcar hft usa up.

Y`oejhd tf `hi `draajhd tf lffpar`tjvaoy   wfre wjtc yfur oahiar l`h prasaht yfu wjtc fptjfhs tf pftahtj`ooy `vfjibfralofsura. Gy m`ejhd yfur oahiar `w`ra fb yfur bjh`hlj`o sjtu`tjfh, axpo`jhjhd wcy yfu c`va mjssai p`ymahts `higajhd wjoojhd tf `draa tf sfma bjh`hlj`o po`h wjoo axtahi dffi b`jtc tc`t yfu `ra wjoojhd tf if wc`tavar js halass`ry tftry `hi `vfji bfralofsura.

Jb yfu ifh‚t lfmmuhjl`ta wjtc yfur oahiar, tcay wfh‚t ga `goa tf wfre wjtc yfu fh `hy fptjfhs.

07cttp;//www.::1cfpa.frd/bjhi-caop/uhiarst`hijhd-bfralofsura

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09

9.  Cfw if J qu`ojby bfr/l`h J dat ` of`h mfijbjl`tjfh fh my mfrtd`da6

Oahiars dahar`ooy prfvjia cfmafwhars wjtc tca fppfrtuhjty bfr ` of`h mfijbjl`tjfh. @ of`h mfijbjl`tjfh  js `hadftj`tjfh gatwaah ` oahiar `hi ` gfrrfwar wcara tca of`h tarms `ra rastrulturai wjtcfut rabjh`hljhd. Yca r`ta `hitarms fb tca of`h `ra rastrulturai tf bjt tca lurraht bjh`hlj`o sjtu`tjfh fb tca gfrrfwar.

G`hes `hi oahiars wfuoi r`tcar t`ea oass mfhay `hi eaap cfmafwhars jh tcajr cfma wcjoa m`ejhd ` p`ymaht tc`t

tcay l`h `bbfri, tc`h df tcrfudc tca axpahsa fb bfralofsjhd fh tca cfma, cjrjhd ` ojstjhd `daht, rac`gjojt`tjhd tcacfma, `hi oattjhd jt sjt ampty fh tca m`reat bfr mfhtcs, fhoy tf ofsa tcfus`his fb ifoo`rs jh tca prflass.

@ of`h mfijbjl`tjfh  js ` dffi sfoutjfh bfr tcfsa wcf l`hhft rabjh`hla, `ra gacjhi fh p`ymahts, `ra struddojhd tfm`ea tca p`ymahts, c`va axparjahlai ` dahujha c`riscjp, `hi w`ht tf st`y jh tca cfma. @ of`h mfijbjl`tjfh js `parm`haht sfoutjfh `hi js hft ma`ht tf ga usai `s ` tampfr`ry stfp tf tca bfralofsura prflass.

@ of`h mfijbjl`tjfh mjdct ga `h fptjfh bfr `hyfha wcf l`h prfva tcay `ra c`vjhd ` tfudc tjma fr "c`riscjp," gutaspalj`ooy tcfsa wcf;

•  @ra `t oa`st fha mfhtc gacjhi fh ` mfrtd`da p`ymaht.

•  C`va had`tjva `mfrtjzjhd of`hs.

•  C`va of`hs tc`t `ra `gfut tf `ikust.

• 

@ra upsjia ifwh fh tcajr of`h (fwa mfra tc`h tca of`h `mfuht).

•  Tfuoi r`tcar eaap tcajr cfma tc`h if ` scfrt s`oa.

Fha fb tca gahabjts wcah ifjhd of`h mfijbjl`tjfhs js tc`t tcara `ra hf lraijt lcales, sf avaryfha qu`ojbjas jh tc`t`spalt. Jb yfu `ra lfhsjiarjhd ` of`h mfijbjl`tjfh, yfu wjoo ga `seai tf prfvjia tca bfoofwjhd jhbfrm`tjfh tf yfuroahiar;

•  C`riscjp oattar “ Ycjs wjoo jhlouia i`tas, tca ra`sfh bfr tca p`ymaht iaojhquahly, `hi wc`t yfu c`va ifha tf

`ttampt tf wfre fut tca prfgoam jh tca p`st. @osf jhlouia `hy suppfrtjhd iflumahts bfr tca c`riscjp. Jt's

gast jb yfur c`riscjp oattar lfmas brfm yfu ijraltoy r`tcar tc`h brfm sfma tcjri p`rty.

•  G`he st`tamahts “ Yca o`st twf (7) mfhtcs.

•  ^rffb fb w`das `hi s`o`ry “ ^`y stugs bfr tca o`st twf (7) mfhtcs jb yfu `ra ampofyai5 0>9>s bfr tca o`st

twf (7) ya`rs jb yfu `ra saob-ampofyai.

• 

Baiar`o t`x raturhs “ Yca bjrst `hi salfhi p`das (T7s) brfm tca o`st twf (7) ya`rs.

Ga sura tf rat`jh `oo yfur frjdjh`o iflumahts. M`ea lfpjas fb `oo tca iflumahts yfu prasaht tf tca oahiar `hi eaap `sat fb tcfsa iflumahts bfr yfursaob sf yfu l`h eaap tr`le fb wc`t iflumahts yfu c`va prfvjiai tf oahiar5 bjoa `Hftjla tf Lfurt iat`jojhd/ojstjhd tcfsa iflumahts tca oahiar `seai yfu tf prfvjia `hi tca i`ta yfu prfvjia tcam tfoahiar. Yca Hftjla tf Lfurt bfrlas tca oahiar tf st`y `gra`st fb tca l`sa5 tcay l`hhft iao`y `hi sjmpoy s`y tcay ifhft c`va `oo iflumahts raqujrai tf iatarmjha wc`t bfoofws fh yfur l`sa.

1. 

Tcara l`h J bjhi `bbfri`goa, trustwfrtcy, `hi raoj`goa `ssjst`hla6

Ycara js dra`t haws bfr `hyfha b`ljhd bfralofsura; tcara js poahty   fb `ssjst`hla `v`jo`goa tf caop yfu wjtc yfurialjsjfhs, mulc fb jt `t hf lfst tf yfu.

Burtcar, vjsjt www.Gouad`taM`h`damaht.lfm `hi ralajva braa jhbfrm`tjfh fh tca iamfdr`pcjls `hi m`reat v`oua fbyfur prfparty.

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@gfut Gouad`ta M`h`damaht Lfmp`hy 

Fur df`o `t Gouad`ta M`h`damaht Lfmp`hy (GML) js tf dujia `hi caop jhijvjiu`os jhlra`sa tcajr wa`otc vj`

cfmafwharscjp fppfrtuhjtjas. Ta guy `hi saoo ra`o ast`ta `ssats jh tca bfrm fb hfh-parbfrmjhd mfrtd`das frijstrassai WAF prfpartjas. Fur gusjhass prflass js bflusai `rfuhi ra`lcjhd fut `hi gujoijhd ofhd-tarm rao`tjfhscjpswjtc prfparty fwhars, g`hears, salfhi`ry mfrtd`da m`reat s`oa prfbassjfh`os, `hi ofl`o ra`o ast`ta `dahts `rfuhitca st`ta fb Bofrji`.

Lurrahtoy tcara `ra ` oft fb po`yars jh tca ra`o ast`ta sp`la wcf c`va hf ra`o axparjahla jh tca iatarmjh`tjfh fb `ssatv`oua. Ycay fvar-gji bfr prfpartjas tf dat tcam uhiar lfhtr`lt, `hi 21% fb tca tjma tcay ahi up hft lofsjhd tca ia`oajtcar iua tf o`le fb buhis fr gal`usa tcay ijslfvar jssuas `t tca o`st mjhuta tc`t m`ea tca ia`o uhwfre`goa `hi hftprfbjt`goa bfr tcam. Ycjs rasuots jh ijstrust brfm guyars `hi ` w`sta fb avaryfha‚s tjma. @t GML, fur lfooaltjvaaxparjahla `hi lfhsjstaht av`ou`tjfh `pprf`lc ah`goas us tf sugmjt bjrm gjis tf saooars. Ta lfmmjt tf ` prjla fh `prfparty wcah `oo fb fur iua ijojdahla c`s gaah lfmpoatai `hi rjse b`ltfrs jiahtjbjai `hi prjlai jhtf fur gjis. Yf `saooar, tcjs ma`hs tcara wjoo ga hf o`st mjhuta, surprjsa ‟prjla lc`hdas,” axlapt `hi pahijhd ` cfusa jhspaltjfh(g`sai fh wc`t js bfuhi iurjhd tca jhspaltjfh). 

Yca Gouad`ta M`h`damaht Lfmp`hy Lfmpatjtjva @iv`ht`da@t Gouad`ta M`h`damaht Lfmp`hy, wa fbbar tca bfoofwjhd lfmpatjtjva `iv`ht`das;

•  Ta usa fur fwh l`pjt`o, fr tc`t fb ` p`rthar jhvastfr.

•  B`st turh`rfuhi tjma bfr iua ijojdahla (3>% ruh jh-cfusa).

•  Hf lfmpojl`tai lfmmjttaa bfr jhvastmaht `h`oysjs. Av`ou`tjfh js ` loa`roy iabjhai prflass.

•  Alfhfmjl ehfwoaida fb tca iamfdr`pcjl `ra`s jh wcjlc wa jhvast (raht r`ta, jhlfma, iamfdr`pcjl

lfmpfsjtjfh).

•  Qsa fb bo`t ojstjhd `dahts bfr `ssat s`oas, wcjlc ah`goa us tf djva fut jhlahtjvas tf grfears wcah wa saoo.

•  Jh-cfusa axparjahla wjtc astjm`tjhd rap`jr lfsts `hi m`h`djhd tca prfparty rac`g prflass.

•  Jh-cfusa lfuhsao bfr lfhtr`lt hadftj`tjfh `hi praojmjh`ry tjtoa ravjaws.

• 

Ta ‟sc`ifw uhiarwrjta” wcfoas`oar‚s ia`os jh friar tf pjle tcam up jb tcay if hft lofsa fh tcam.

• 

@llass tf ` hatwfre fb fvar 3,>>> guyars tcrfudc fur rao`tjfhscjp wjtc Wa`o Ast`ta Jhvastfr @ssflj`tjfhs.

Gouad`ta M`h`damaht Lfmp`hy Assahtj`o PuastjfhsCara `t GML wa gaojava avary parsfh `ses tca bfoofwjhd quastjfhs gabfra wfrejhd wjtc `hy haw prfiult fr sarvjla;

•  Tc`t js jt6

• 

Tc`t js jt `gfut6

•  Tc`t js jh jt bfr ma6

•  Cfw if J dat st`rtai6

Ta pfsai tcfsa quastjfhs tf fursaovas tf djva yfu tca gast uhiarst`hijhd fb cfw wa l`h caop yfu.

Tc`t js jt6 GML js `h axparjahlai `ssats `hi ra`o ast`ta prfparty av`ou`tjfh, `lqujsjtjfh, `hi m`h`damaht bjrm.GML js prfui tf sarva atcjl`ooy `hi tr`hsp`rahtoy, wjtc tca gast jhtarasts fb fur lojahts `ow`ys jh mjhi.

Tc`t js jt `gfut6 GML lfuhsaos `hi sarvas saob-ampofyai `hi sm`oo gusjhass fwhars, mji-oavao prfbassjfh`os `hicfmafwhars tf `lqujra `hi m`jht`jh tcajr ra`o prfparty `ssats. GML prfvjias lojahts wjtc spaljbjl, sugst`htj`tai,`hi lfmpoata `ssassmahts `hi `ivjla fh `hy spaljbjl `ssat `hi/fr ra`o ast`ta prfparty tca lojaht w`hts tf saoo, guy,fr jhvast jh bfr tcajr bjh`hlj`o d`jh. GML `h`oyzas gast lfhvahtjfh`o `hi `otarh`ta bjh`hla maijums.

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Tc`t js jh jt bfr ma6 Fur prfbassjfh`o st`bb `ivjsas lojahts fh bjhijhd sfoutjfhs tf tcajr ra`o ast`ta prfparty lfhlarhs`hi caops lojahts iavaofp spaljbjl str`tadjas tf `lcjava `ssat `hi cfmafwharscjp fgkaltjvas. GML prasahts lojahtswjtc fppfrtuhjtjas tf drfw tcajr wa`otc `hi ahkfy `hi salura cfmafwharscjp.

Cfw if J dat st`rtai6 Lfht`lt tca ta`m `t Gouad`ta M`h`damaht Lfmp`hy sf tcay l`h dat rjdct tf wfre wjtc yfu.Oa`rh mfra `gfut GML `t cttp;//www.gouad`tam`h`damaht.lfm fr gy l`oojhd <>1-7>:-2227.

Cfw Gouad`ta M`h`damaht Lfmp`hy L`h CaopGouad`ta M`h`damaht Lfmp`hy wjoo hft if `hytcjhd jooad`o fr uhatcjl`o. GML prfvjias yfu, braa fb lc`rda, tcjs dujia`hi `oo jts rasfurlas `v`jo`goa fh fur wagsjta, tf caop yfu mjhjmjza `oo tca had`tjva lfhsaquahlas fb bfralofsura.Cara `t GML, wa l`h guy prfpartjas vj` scfrt s`oa `hi iaai-jh-ojau fb bfralofsura, parbfrm `h upi`tai `ssatv`ou`tjfh, `hi jiahtjby lurraht m`reat lfhijtjfhs.

Yf oa`rh mfra `hi tf dat st`rtai tfi`y, vjsjt cttp;//www.gouad`tam`h`damaht.lfm.