Fuerzas de Porter, Internet y Las Redes Sociales

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CMNM@WDHÃD CMNM@WDHÃD

FDR BENBM HZJW_DR KJ CEBAJF \MW[JW

FDR BENBM HZJW_DR KJ CEBAJF \MW[JW

EN[JWNJ[ U FDR WJKJR

EN[JWNJ[ U FDR WJKJR RMBEDFJR

RMBEDFJR

Cdkjfen Cdwejfmr Fò|j Hfmweän Cdkjfen Cdwejfmr Fò|j Hfmweän

4<7<#<0#42 4<7<#<0#42 [z{mwd? C.D. Dfjodnkwm Mwdn{jr [z{mwd? C.D. Dfjodnkwm Mwdn{jr @zd{jcdfd& Nmxejcgwj 7<47 @zd{jcdfd& Nmxejcgwj 7<47

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4 4 ÃNKEBJ ÃNKEBJ EN[WMKZBBEÒN EN[WMKZBBEÒN... .. 77 HZJW_DR KJ \MW[JW& EN[JWNJ[ UFDR WJKJR RMBEDFJR

HZJW_DR KJ \MW[JW& EN[JWNJ[ UFDR WJKJR RMBEDFJR... .... ;; Aer{mwed u bwmnmfm`ãd kj fdr wjkjr rmbedfjr Aer{mwed u bwmnmfm`ãd kj fdr wjkjr rmbedfjr... .. ;; Bwmnmfm`ãd Bwmnmfm`ãd... ... ;; FDR WJKJR RMBEDFJR JN @ZD[JCDFD FDR WJKJR RMBEDFJR JN @ZD[JCDFD... ... 88 ½Fdr Hzjwdr bmc|j{e{exdr kj \mw{jw dzn rmn kj z{efekdk |dwd fdr jc|wjrdr= ½Fdr Hzjwdr bmc|j{e{exdr kj \mw{jw dzn rmn kj z{efekdk |dwd fdr jc|wjrdr=55 4.

4. Wexdfekdk jn{wj bmc|j{ekmwjr db{zdfjrWexdfekdk jn{wj bmc|j{ekmwjr db{zdfjr... ... 4747 7.

7. Bmc|j{ekmwjr |m{jnbedfjrBmc|j{ekmwjr |m{jnbedfjr... ... 4242 2.

2.  Dcjndd kjf en`wjrm kj |wmkzb{mr rzr{e{z{mr Dcjndd kjf en`wjrm kj |wmkzb{mr rzr{e{z{mr... ... 4;4; ;.

;. \mkjw kj nj`mbedbeòn bmn fmr |wmxjjkmwjr\mkjw kj nj`mbedbeòn bmn fmr |wmxjjkmwjr... .... 4:4: :.

:. \mkjw kj nj`mbedbeòn bmn fmr bmnrzcekmwjr\mkjw kj nj`mbedbeòn bmn fmr bmnrzcekmwjr... .. 4:4: BMNBFZREÒN BMNBFZREÒN... .. 4141 GEGFEM@WDHÃD GEGFEM@WDHÃD... ... 7<7<  DNJQM  DNJQM... .. 7272 Jr{zkem kj fdr wjkjr rmbedfjr jn bjn{wmdcjweb

Jr{zkem kj fdr wjkjr rmbedfjr jn bjn{wmdcjwebdd

Dnjqm 7 dz{mbdfehebdbeòn

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7 7

EN[WMKZBBEÒN EN[WMKZBBEÒN

Fdr hzjwdr bmc|j{e{exdr kj \mw{jw& en{jwnj{ u fdr wjkjr rmbedfjr& jr fm tzj Fdr hzjwdr bmc|j{e{exdr kj \mw{jw& en{jwnj{ u fdr wjkjr rmbedfjr& jr fm tzj db{zdfcjn{j wmkjd jf jn{mwnm kj fdr jc|wjrdr& jn kmnkj rz jr{zkem wjtzejwj kj ew  db{zdfcjn{j wmkjd jf jn{mwnm kj fdr jc|wjrdr& jn kmnkj rz jr{zkem wjtzejwj kj ew  dbmc|dôdkm kj ajwwdcejn{dr bmcm fm rmn fdr hzjwdr kj \mw{jw tzj |jwce{jn xjw  dbmc|dôdkm kj ajwwdcejn{dr bmcm fm rmn fdr hzjwdr kj \mw{jw tzj |jwce{jn xjw  fd xjn{dod bmc|j{e{exd tzj {ejnjn fdr |jtzjôdr u cjkedndr jc|wjrdr df fd xjn{dod bmc|j{e{exd tzj {ejnjn fdr |jtzjôdr u cjkedndr jc|wjrdr df wjr|dfkdwrj bmn jf zrm kj fdr nzjxdr {jbnmfm`ãdr.

wjr|dfkdwrj bmn jf zrm kj fdr nzjxdr {jbnmfm`ãdr.

Bmn jf |wm|òre{m kj tzj fdr jc|wjrdr bmnmbdn fmr gjnjhebemr kj {jnjw nzjxdr Bmn jf |wm|òre{m kj tzj fdr jc|wjrdr bmnmbdn fmr gjnjhebemr kj {jnjw nzjxdr {jbnmfm`ãdr j ennmxdbemnjr df dfbdnbj u bmcm d|wmxjbadn fdr xjn{dodr kjf en{jwnj{ {jbnmfm`ãdr j ennmxdbemnjr df dfbdnbj u bmcm d|wmxjbadn fdr xjn{dodr kjf en{jwnj{ u fdr wjkjr rmbedfjr jn jr{j bdrm fmr rdfmnjr kj gjffjd tzj rj adn |m|zfdwedkm u fdr wjkjr rmbedfjr jn jr{j bdrm fmr rdfmnjr kj gjffjd tzj rj adn |m|zfdwedkm |mw cjkem kj jr{d& jn kmnj zn dnäferer kjf bmc|mw{dcejn{m kjf jn{mwnm kj fdr |mw cjkem kj jr{d& jn kmnj zn dnäferer kjf bmc|mw{dcejn{m kjf jn{mwnm kj fdr cercdr u bmcm z{efedw fd cjbfd dkjbzdkd bmnhmwcj d fdr njbjrekdkjr kj bdkd cercdr u bmcm z{efedw fd cjbfd dkjbzdkd bmnhmwcj d fdr njbjrekdkjr kj bdkd jc|wjrd `zd{jcdf{jbd.

jc|wjrd `zd{jcdf{jbd.

Bmn jf mgoj{exm kj bmnmbjw jf gjnjhebem tzj d|mw{dn d fd jr{wd{j`ed jf en{jwnj{ u Bmn jf mgoj{exm kj bmnmbjw jf gjnjhebem tzj d|mw{dn d fd jr{wd{j`ed jf en{jwnj{ u fdr wjkjr rmbedfjr d fdr jc|wjrdr |jtzjôdr u cjkedndr df adbjw jf zrm dkjbzdkm fdr wjkjr rmbedfjr d fdr jc|wjrdr |jtzjôdr u cjkedndr df adbjw jf zrm dkjbzdkm kj jffdr u jq|fm{dwfdr df cäqecm |dwd {jnjw enhmwcdbeòn kj bdfekdk jn {ejc|m wjdf u kj jffdr u jq|fm{dwfdr df cäqecm |dwd {jnjw enhmwcdbeòn kj bdfekdk jn {ejc|m wjdf u dre cercm {wddw jr{wd{j`edr bfdxjr |dwd bd|{zwdw jf cjwbdkm u fd jq|dnreòn kjf dre cercm {wddw jr{wd{j`edr bfdxjr |dwd bd|{zwdw jf cjwbdkm u fd jq|dnreòn kjf cercm.

cercm.

Jf jnrdum rj bmnhmwcd |mw fd aer{mwed kj fdr wjkjr rmbedfjr jn jf cznkm& u tzj Jf jnrdum rj bmnhmwcd |mw fd aer{mwed kj fdr wjkjr rmbedfjr jn jf cznkm& u tzj wjkjr rmbedfjr |wjkmcendn jn @zd{jcdfd u tzj rmn kj cdumw |jnj{wdbeòn |dwd jf wjkjr rmbedfjr |wjkmcendn jn @zd{jcdfd u tzj rmn kj cdumw |jnj{wdbeòn |dwd jf dbjwbdcejn{m |dwd fmr bfejn{jr |m{jnbedfjr. Rj jq|mnj fdr hzjwdr bmc|j{e{exdr kj dbjwbdcejn{m |dwd fmr bfejn{jr |m{jnbedfjr. Rj jq|mnj fdr hzjwdr bmc|j{e{exdr kj \mw{jw bmcm d|mum bmn jf dnäferer wjr|jb{exm kj bòcm fmr rdfmnjr kj gjffjd adn \mw{jw bmcm d|mum bmn jf dnäferer wjr|jb{exm kj bòcm fmr rdfmnjr kj gjffjd adn jnbmn{wdkm df en{jwnj{ u fdr wjkjr rmbedfjr bmcm rz cdumw dfedkm jn rz jr{wd{j`ed jnbmn{wdkm df en{jwnj{ u fdr wjkjr rmbedfjr bmcm rz cdumw dfedkm jn rz jr{wd{j`ed

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2 2

 Drã

 Drã cercm cercm rj rj wjr|dfkd wjr|dfkd bmn bmn dz{mwjr dz{mwjr bmn bmn dc|fed dc|fed jq|jwejnbed jq|jwejnbed jn jn jf jf bdc|m& bdc|m& |dwd|dwd kdwfj rzr{jn{dgefekdk df ajbam kj tzj |mwtzj rj jr{ä z{efednkm bmcm |dw{j kj fd kdwfj rzr{jn{dgefekdk df ajbam kj tzj |mwtzj rj jr{ä z{efednkm bmcm |dw{j kj fd jr{wd{j`ed df en{jwnj{ u fdr wjkjr rmbedfjr& drã cercm rj bmnbfzuj bmn fd m|eneòn jr{wd{j`ed df en{jwnj{ u fdr wjkjr rmbedfjr& drã cercm rj bmnbfzuj bmn fd m|eneòn bwã{ebd kj fd dz{mwd.

bwã{ebd kj fd dz{mwd.

[mkm fm jq|zjr{m bmn gdrj d rzr bmnbfzremnjr jn gdrj d fd m|eneòn u bwe{ebd kjf [mkm fm jq|zjr{m bmn gdrj d rzr bmnbfzremnjr jn gdrj d fd m|eneòn u bwe{ebd kjf dz{mw& bmn rzr wjr|jb{exdr gegfem`wdhãdr tzj d|mudn u wjr|dfkdn jf {wdgdom dz{mw& bmn rzr wjr|jb{exdr gegfem`wdhãdr tzj d|mudn u wjr|dfkdn jf {wdgdom wjdfedkm.

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; ;

HZJW_DR KJ \MW[JW& EN[JWNJ[ UFDR WJKJR

HZJW_DR KJ \MW[JW& EN[JWNJ[ UFDR WJKJR RMBEDFJR

RMBEDFJR

Aer{mwed u bwmnmfm`ãd kj fdr wjkjr rmbedfjr

Aer{mwed u bwmnmfm`ãd kj fdr wjkjr rmbedfjr

\dwd |mkjw wjdfedw zn dnäferer kj fdr hzjwdr kj \mw{jw rj kjgj bmnmbjw bmcm \dwd |mkjw wjdfedw zn dnäferer kj fdr hzjwdr kj \mw{jw rj kjgj bmnmbjw bmcm enebem u

enebem u ad wjxmfzbemndkm fdr wjkjr ad wjxmfzbemndkm fdr wjkjr rmbedfjr u rmbedfjr u jf |mwtzå db{zdfcjn{j jf |mwtzå db{zdfcjn{j hmwcd |dw{jhmwcd |dw{j kj fd jr{wd{j`ed kj jc|wjrdr kj kehjwjn{jr {dcdômr.

kj fd jr{wd{j`ed kj jc|wjrdr kj kehjwjn{jr {dcdômr.

Jn @zd{jcdfd |dw{ebzfdwcjn{j kjhenewãdcmr tzj fdr |wecjwdr wjkjr rmbedfjr Jn @zd{jcdfd |dw{ebzfdwcjn{j kjhenewãdcmr tzj fdr |wecjwdr wjkjr rmbedfjr hzjwmn Ae: u CuR|dbj. Dzn tzj nm jqer{j zn bmnrjnrm rmgwj bzäf hzj fd |wecjw wjk hzjwmn Ae: u CuR|dbj. Dzn tzj nm jqer{j zn bmnrjnrm rmgwj bzäf hzj fd |wecjw wjk rmbedf jn jf cznkm |mkjcmr kjbew tzj fd d|dwebeòn kj jr{dr rj kjgeò d fd rmbedf jn jf cznkm |mkjcmr kjbew tzj fd d|dwebeòn kj jr{dr rj kjgeò d fd njbjrekdk kj bmcznebdbeòn |mw cjkem kjf en{jwnj{ jr{dgfjbejnkm fdr |wecjwdr njbjrekdk kj bmcznebdbeòn |mw cjkem kjf en{jwnj{ jr{dgfjbejnkm fdr |wecjwdr wjkjr.

wjkjr.

Fdr wjkjr rmbedfjr adn rekm znd |fd{dhmwcd |dwd tzj fdr jc|wjrdr |zjkdn Fdr wjkjr rmbedfjr adn rekm znd |fd{dhmwcd |dwd tzj fdr jc|wjrdr |zjkdn ffj`dw d fmr zrzdwemr |mw cjkem kj jr{dr& |dwd en{jwdb{zdw u bmnmbjw cär kj jffmr. ffj`dw d fmr zrzdwemr |mw cjkem kj jr{dr& |dwd en{jwdb{zdw u bmnmbjw cär kj jffmr. \mw jffmr rj kjrbwegewä |mw cjkem kj znd bwmnmfm`ãd jf enebem kj fdr wjkjr rmbedfjr \mw jffmr rj kjrbwegewä |mw cjkem kj znd bwmnmfm`ãd jf enebem kj fdr wjkjr rmbedfjr u bmnmbjw fd ec|mw{dnbed jn fmr kehjwjn{jr |ÿgfebmr.

u bmnmbjw fd ec|mw{dnbed jn fmr kehjwjn{jr |ÿgfebmr.

Bwmnmfm`ãd

Bwmnmfm`ãd

!\mnbj& E. 7<47% tzj wjdfem znd gwjxj kjrbwe|beòn kj bòcm hzjwmn d|dwjbejnkm !\mnbj& E. 7<47% tzj wjdfem znd gwjxj kjrbwe|beòn kj bòcm hzjwmn d|dwjbejnkm jr{dr wjkjr rmbedfjr jr znd hmwcd kj xerzdfedw jf |drdkm& jf |wjrjn{j u hz{zwm kj jr{dr wjkjr rmbedfjr jr znd hmwcd kj xerzdfedw jf |drdkm& jf |wjrjn{j u hz{zwm kj jr{dr wjkjr& ud tzj nm {mkdr fdr cjnbemndkdr adn |mkekm rmgwjxexew m dxdndw& u jr{dr wjkjr& ud tzj nm {mkdr fdr cjnbemndkdr adn |mkekm rmgwjxexew m dxdndw& u rj hzjwmn tzjkdnkm mgrmfj{dr.

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: :

 45014501? Rj en{jwbdcgedn GGR !Gzffj{en Gmdwk Rur{jcr% d {wdxår kj fãnjdr? Rj en{jwbdcgedn GGR !Gzffj{en Gmdwk Rur{jcr% d {wdxår kj fãnjdr

{jfjhònebdr bmn m{wmr zrzdwemr. {jfjhònebdr bmn m{wmr zrzdwemr.

 45014501? Fd |wecjwdr bm|edr kj ndxj`dkmwjr kj en{jwnj{ rj ker{wegzujn d? Fd |wecjwdr bm|edr kj ndxj`dkmwjr kj en{jwnj{ rj ker{wegzujn d

{wdxår kj fd |fd{dhmwcd Zrjnj{. {wdxår kj fd |fd{dhmwcd Zrjnj{.

 455;455;? Rj hznkd @jmBe{ejr& znd kj fmr bmnd{mr kj wjk rmbedf. Fd ekjd jwd? Rj hznkd @jmBe{ejr& znd kj fmr bmnd{mr kj wjk rmbedf. Fd ekjd jwd

tzj fmr zrzdwemr bwjdwdn rzr |wm|edr |ä`endr pjg. tzj fmr zrzdwemr bwjdwdn rzr |wm|edr |ä`endr pjg.

 455:455:? Bwjdn bfdrrcd{jr.bmc fd bzdf hzj bmnrekjwdkd bmcm fd |wecjwd wjk? Bwjdn bfdrrcd{jr.bmc fd bzdf hzj bmnrekjwdkd bmcm fd |wecjwd wjk

rmbedf. rmbedf.

 455:455:? [aj@fmgj.bmc kd d rzr zrzdwemr fd |mregefekdk kj |jwrmndfedw rzr? [aj@fmgj.bmc kd d rzr zrzdwemr fd |mregefekdk kj |jwrmndfedw rzr

|wm|edr jq|jwejnbedr mnfenj. |wm|edr jq|jwejnbedr mnfenj.

 45504550? Rj fdnd DMF Enr{dn{ Cjrrjn`jw& znm kj fmr |wecjwm cjnrdojwmr.? Rj fdnd DMF Enr{dn{ Cjrrjn`jw& znm kj fmr |wecjwm cjnrdojwmr. 

 45504550? Rj endz`zwd fd pjg Reqkj`wjjr.bmc& tzj |jwce{j fd bwjdbeòn kj? Rj endz`zwd fd pjg Reqkj`wjjr.bmc& tzj |jwce{j fd bwjdbeòn kj

|jwhefjr |jwrmndfjr u jf fer{dkm kj dce`mr. |jwhefjr |jwrmndfjr u jf fer{dkm kj dce`mr.

 45514551? Ndbj @mm`fj.? Ndbj @mm`fj. 

 7<<<7<<<? Fd ‖gzwgzod kj en{jwnj{– jr{dffd u bmcejnd jf ‖gmmc kjf en{jwnj{–? Fd ‖gzwgzod kj en{jwnj{– jr{dffd u bmcejnd jf ‖gmmc kjf en{jwnj{– 

 7<<77<<7? Rj fdnd jf |mw{df Hwejnkr{jw& |emnjwm jn fd bmnjqeòn mnfenj kj? Rj fdnd jf |mw{df Hwejnkr{jw& |emnjwm jn fd bmnjqeòn mnfenj kj ‖dce`mr wjdfjr–. Dfbdnd f

‖dce`mr wjdfjr–. Dfbdnd fmr 2 ceffmnjr kj zrzdwemr jn ròfm {wjr cjrjr.mr 2 ceffmnjr kj zrzdwemr jn ròfm {wjr cjrjr. 

 7<<77<<7? Rj endz`zwd fd pjg CuR|dbj& bmnbjgekd jn zn |wenbe|em bmcm zn? Rj endz`zwd fd pjg CuR|dbj& bmnbjgekd jn zn |wenbe|em bmcm zn ‖bfmn– kj Hwejnkr{jw.

‖bfmn– kj Hwejnkr{jw.

 7<<27<<2? Jn Dred kj bwjd fd Ae:.? Jn Dred kj bwjd fd Ae:. 

 7<<;7<<;? Rj fdnd Hdbjgmmi& bmnbjgekd mwe`endfcjn{j bmcm znd |fd{dhmwcd? Rj fdnd Hdbjgmmi& bmnbjgekd mwe`endfcjn{j bmcm znd |fd{dhmwcd

|dwd bmnjb{dw d jr{zkedn{jr znexjwre{dwemr. |dwd bmnjb{dw d jr{zkedn{jr znexjwre{dwemr.

 7<<87<<8? Rj endz`zwd fd wjk kj cebwmgfm``en` [pe{{jw.? Rj endz`zwd fd wjk kj cebwmgfm``en` [pe{{jw. 

 7<<17<<1? Hdbjgmmi dkjfdn{d d CuR|dbj bmcm wjk rmbedf fãkjw jn bzdn{m d? Hdbjgmmi dkjfdn{d d CuR|dbj bmcm wjk rmbedf fãkjw jn bzdn{m d

xere{dn{jr ÿnebmr cjnrzdfjr. xere{dn{jr ÿnebmr cjnrzdfjr.

 7<447<44? Hdbjgmmi {ejnj 8<< ceffmnjr kj zrzdwemr wj|dw{ekmr |mw {mkm jf? Hdbjgmmi {ejnj 8<< ceffmnjr kj zrzdwemr wj|dw{ekmr |mw {mkm jf

cznkm& CuR|dbj 78< ceffmnjr& [pe{{jw 45< ceffmnjr. cznkm& CuR|dbj 78< ceffmnjr& [pe{{jw 45< ceffmnjr.

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8 8

 Df bmnmbjw

 Df bmnmbjw fd aer{mwed fd aer{mwed kjf en{jwnj{ kjf en{jwnj{ u fdr wu fdr wjkjr rmbedfjr& jkjr rmbedfjr& fdr jc|wjrdr fdr jc|wjrdr bmcejndnbmcejndn d {jnjw |wjrjnbed Mnfenj& bwjdnkm rzr |ä`endr pjg u |mbm d |mbm rj adn znekm d d {jnjw |wjrjnbed Mnfenj& bwjdnkm rzr |ä`endr pjg u |mbm d |mbm rj adn znekm d fdr wjkjr rmbedfjr& df`znmr fdr z{efedn bmcm jr{wd{j`edr& m{wmr ÿnebdcjn{j |dwd fdr wjkjr rmbedfjr& df`znmr fdr z{efedn bmcm jr{wd{j`edr& m{wmr ÿnebdcjn{j |dwd {jnjw znd bmcznebdbeòn j en{jwdbbeòn bmn rzr bfejn{jr& kjgekm d tzj fdr jc|wjrdr {jnjw znd bmcznebdbeòn j en{jwdbbeòn bmn rzr bfejn{jr& kjgekm d tzj fdr jc|wjrdr jqe{mrdr rdgjn tzj nm rmn |dw{j kj fd jr{wd{j`ed |jwm re znd ajwwdcejn{d |dwd jqe{mrdr rdgjn tzj nm rmn |dw{j kj fd jr{wd{j`ed |jwm re znd ajwwdcejn{d |dwd bmnmbjw kj tzj rj adgfd kj rzr cdwbdr m |wmkzb{mr.

bmnmbjw kj tzj rj adgfd kj rzr cdwbdr m |wmkzb{mr.

 Dzn

 Dzn drã drã Bdr{jffò Bdr{jffò !7<4<% !7<4<% jn jn rz rz fegwm fegwm Jr{wd{j`edr Jr{wd{j`edr jc|wjrdwed jc|wjrdwed jn jn fd fd Pjg Pjg 7.<& 7.<& fdrfdr jc|wjrdr dzn nm bmnmbjn jf |m{jnbedf kj zrdw fdr wjkjr rmbedfjr bmcm cjkemr jc|wjrdr dzn nm bmnmbjn jf |m{jnbedf kj zrdw fdr wjkjr rmbedfjr bmcm cjkemr |dwd mg{jnjw xjn{dod bmc|j{e{exd& drã cercm jffdr jc|jdwmn d bwjbjw kjrkj jf |dwd mg{jnjw xjn{dod bmc|j{e{exd& drã cercm jffdr jc|jdwmn d bwjbjw kjrkj jf 7<<5& rejnkm drã tzj hzjwmn d|dwjbejnkm fmr nzjxmr ker|mre{exmr còxefjr jn kmnkj 7<<5& rejnkm drã tzj hzjwmn d|dwjbejnkm fmr nzjxmr ker|mre{exmr còxefjr jn kmnkj rj |zjkj {jnjw dbbjrm d en{jwnj{ u wjkjr rmbedfjr& |mw fm tzj fd |wjrjnbed kj znd rj |zjkj {jnjw dbbjrm d en{jwnj{ u wjkjr rmbedfjr& |mw fm tzj fd |wjrjnbed kj znd jc|wjrd kjgj jr{dw jn gdrj d jr{wd{j`edr kj |mrebemndcejn{m u wjbmwkdbeòn kj jc|wjrd kjgj jr{dw jn gdrj d jr{wd{j`edr kj |mrebemndcejn{m u wjbmwkdbeòn kj cdwbd.

cdwbd.

FDR WJKJR RMBEDFJR JN @Z

FDR WJKJR RMBEDFJR JN @ZD[JCDFDD[JCDFD

Rj`ÿn efehjgjf{ !7<47% jn znd jnbzjr{d wjdfedkd jn jnjwm kjf 7<47& fdr xere{dr Rj`ÿn efehjgjf{ !7<47% jn znd jnbzjr{d wjdfedkd jn jnjwm kjf 7<47& fdr xere{dr bmn{dgefedkdr jn Hdbjgmmi hzjwmn |mw kmr ceffmnjr& rj`zekm |mw Penkmpr Fexj bmn{dgefedkdr jn Hdbjgmmi hzjwmn |mw kmr ceffmnjr& rj`zekm |mw Penkmpr Fexj \wmhefj bmn 82< cef xere{dr& jn {jwbjw fz`dw [pe{{jw bmn ;7< cef xere{dr.

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0 0

Bmn jr{mr kd{mr rj |zjkj kdw bzjn{d zn jr{wd{j`d tzj nm rejc|wj {jnjw  Bmn jr{mr kd{mr rj |zjkj kdw bzjn{d zn jr{wd{j`d tzj nm rejc|wj {jnjw  |wjrjnbed jn znd wjk rmbedf rjwä |dw{j kj fd jr{wd{j`ed |wenbe|df& rj kjgj bmnmbjw  |wjrjnbed jn znd wjk rmbedf rjwä |dw{j kj fd jr{wd{j`ed |wenbe|df& rj kjgj bmnmbjw  fmr zrzdwemr& fd hwjbzjnbed bmn tzj rj bmnjb{dn& u tzj rj`cjn{mr rmn fmr tzj fmr zrzdwemr& fd hwjbzjnbed bmn tzj rj bmnjb{dn& u tzj rj`cjn{mr rmn fmr tzj jr{än cdumwcjn{j dwwde`dkmr& jr|jbedfcjn{j re jr znd jc|wjrd bmn |wjrjnbed jr{än cdumwcjn{j dwwde`dkmr& jr|jbedfcjn{j re jr znd jc|wjrd bmn |wjrjnbed ndbemndf m en{jwndbemndf& |mwtzj fdr wjkjr rmbedfjr |zjkjn rjw enbfzrm ndbemndf m en{jwndbemndf& |mwtzj fdr wjkjr rmbedfjr |zjkjn rjw enbfzrm kjrhdxmwdgfjr renm rj {ejnj jf gzjn zrm.

kjrhdxmwdgfjr renm rj {ejnj jf gzjn zrm.

Nm rj kjgj |jwkjw fd jrjnbed kj fdr wjkjr rmbedfjr& jn bzdn{m d tzj rmn |dwd Nm rj kjgj |jwkjw fd jrjnbed kj fdr wjkjr rmbedfjr& jn bzdn{m d tzj rmn |dwd

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Cancel Anytime. 1 1 Hzjn{j? Kd{mr wjbm|efdkmr kj Efehjgjf{ Hzjn{j? Kd{mr wjbm|efdkmr kj Efehjgjf{  Dkjcär

 Dkjcär re re nmr nmr xdcmr xdcmr jn jn fm fm tzj tzj Werrmdn Werrmdn !7<44% !7<44% jn jn rzr rzr fegwm wfegwm wjkjr rjkjr rmbedfjr& mbedfjr& jfjf en{jwnj{ jxmfzbemnm fd hmwcd kj bmcznebdwnmr |mw fm tzj |jwce{j kewe`ewnmr d en{jwnj{ jxmfzbemnm fd hmwcd kj bmcznebdwnmr |mw fm tzj |jwce{j kewe`ewnmr d ker{en{mr |ÿgfebmr& bmcm d |jwrmndr |wmhjremndfjr& |dw{ebzfdwjr& kjrjc|fjdkmr& ker{en{mr |ÿgfebmr& bmcm d |jwrmndr |wmhjremndfjr& |dw{ebzfdwjr& kjrjc|fjdkmr& jc|fjdkm& kewjb{exmr& jc|wjrdwemr& fd bzwxd xd ew rj`ÿn fd dkd|{dbeòn tzj jffmr jc|fjdkm& kewjb{exmr& jc|wjrdwemr& fd bzwxd xd ew rj`ÿn fd dkd|{dbeòn tzj jffmr {jn`dn u drã cercm {jn`dn jf dfbdnbj kjf en{jwnj{.

{jn`dn u drã cercm {jn`dn jf dfbdnbj kjf en{jwnj{.

 Drã cercm jn

 Drã cercm jn @zd{jcdfd jf dbbjrm m @zd{jcdfd jf dbbjrm m dktzerebeòn kj ker|mre{exmr còxefjr& dktzerebeòn kj ker|mre{exmr còxefjr& bmcmbmcm Rcdw{|amnj& [dgfj{r& e\dkr& ad ajbam tzj rj adgwä zn cjwbdkm mwejn{dkm d Rcdw{|amnj& [dgfj{r& e\dkr& ad ajbam tzj rj adgwä zn cjwbdkm mwejn{dkm d |wmhjremndfjr& db{zdfcjn{j {wjr jc|wjrdr kj {jfjbmcznebdbemnjr rmn fdr tzj |wmhjremndfjr& db{zdfcjn{j {wjr jc|wjrdr kj {jfjbmcznebdbemnjr rmn fdr tzj xjnkjn jr{mr d|dwd{mr u drã cercm m{mw`dn jf rjwxebem kj en{jwnj{& |jwm jqer{jn xjnkjn jr{mr d|dwd{mr u drã cercm m{mw`dn jf rjwxebem kj en{jwnj{& |jwm jqer{jn m{wdr jc|wjrdr |jtzjôdr fmbdfjr tzj mhwjbjn jr{j rjwxebem.

m{wdr jc|wjrdr |jtzjôdr fmbdfjr tzj mhwjbjn jr{j rjwxebem.

Fd |wj`zn{d jr ½fdr wjkjr rmbedfjr rmn kj gjnjhebem |dwd fdr jc|wjrdr m fmr Fd |wj`zn{d jr ½fdr wjkjr rmbedfjr rmn kj gjnjhebem |dwd fdr jc|wjrdr m fmr

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Cancel Anytime. 5 5

½Fdr Hzjwdr bmc|j{e{exdr kj \mw{jw dzn rmn kj z{efekdk |dwd fdr

½Fdr Hzjwdr bmc|j{e{exdr kj \mw{jw dzn rmn kj z{efekdk |dwd fdr

jc|wjrdr=

jc|wjrdr=

Bdgj cjnbemndw tzj jn jf dôm kj 4505& rz fd |wecjwd bmn{wegzbeòn kj Cebadjf Bdgj cjnbemndw tzj jn jf dôm kj 4505& rz fd |wecjwd bmn{wegzbeòn kj Cebadjf \mw{jw bmnmbekm bmcm jf @zwÿ kj fd jr{wd{j`ed u bmc|j{e{exekdk |zgfebm rz |wecjw  \mw{jw bmnmbekm bmcm jf @zwÿ kj fd jr{wd{j`ed u bmc|j{e{exekdk |zgfebm rz |wecjw  dw{ãbzfm rmgwj ‖Bmcm fdr hzjwdr bmc|j{e{exdr kdn fd hmwcd d fd jr{wd{j`ed–.

dw{ãbzfm rmgwj ‖Bmcm fdr hzjwdr bmc|j{e{exdr kdn fd hmwcd d fd jr{wd{j`ed–.

Jn kmnkj jq|zrm tzj |dwd jf rjb{mw enkzr{wedf kj|jnkj nm rmfm kj rzr Jn kmnkj jq|zrm tzj |dwd jf rjb{mw enkzr{wedf kj|jnkj nm rmfm kj rzr bmc|j{ekmwjr kewjb{mr& renm kj bmc|j{ekmwjr |m{jnbedfjr& |wmkzb{mr rzr{e{z{mr& fd bmc|j{ekmwjr kewjb{mr& renm kj bmc|j{ekmwjr |m{jnbedfjr& |wmkzb{mr rzr{e{z{mr& fd hzjwd kj fmr bfejn{jr u kj fmr |wmxjjkmwjr.

hzjwd kj fmr bfejn{jr u kj fmr |wmxjjkmwjr.

Jf rjômw Bdenjwm !7<<;%& jn rz fegwm kewjbbeòn jr{wd{å`ebd ennmxdkmwd& adbj Jf rjômw Bdenjwm !7<<;%& jn rz fegwm kewjbbeòn jr{wd{å`ebd ennmxdkmwd& adbj aenbd|eå tzj fdr hzjwdr kj \mw{jw 

aenbd|eå tzj fdr hzjwdr kj \mw{jw rmn kj ‖Rzcd z{efekdk–& |dwdrmn kj ‖Rzcd z{efekdk–& |dwd dndfedw jf jn{mwnmdndfedw jf jn{mwnm jq{jwnm jr|jbehebm jn tzj rj kjrjc|jôd znd bmc|dôãd.

jq{jwnm jr|jbehebm jn tzj rj kjrjc|jôd znd bmc|dôãd.

Jn{mnbjr re fdr hzjwdr kj \mw{jw rmn z{efedkdr |dwd znd bmc|dôãd& fd |wj`zn{d Jn{mnbjr re fdr hzjwdr kj \mw{jw rmn z{efedkdr |dwd znd bmc|dôãd& fd |wj`zn{d jr ½Db{zdfcjn{j rj z{efedn m jr ÿnebdcjn{j jn fd dn{e`zd jbmnmcãd= \dwd jr ½Db{zdfcjn{j rj z{efedn m jr ÿnebdcjn{j jn fd dn{e`zd jbmnmcãd= \dwd wjr|mnkjw d jffm& Cebadjf

wjr|mnkjw d jffm& Cebadjf \mw{jw jn rz dw{ãbzfm |zgfebdkm jn \mw{jw jn rz dw{ãbzfm |zgfebdkm jn jf 7<4< jf 7<4< jn jf Adwxdwkjn jf Adwxdwk Gzrenjrr Wjxejp

Gzrenjrr Wjxejp ‖Jr{wd{j`ed j En{jwnj{– cjnbemndgd tzj jwd czu wjxmfzbemndwem‖Jr{wd{j`ed j En{jwnj{– cjnbemndgd tzj jwd czu wjxmfzbemndwem bmfmbdw jr{dr kmr hwdrjr ozn{dr.

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4< 4<

ajwwdcejn{d cär tzj duzkd d {jnjw m{wmr cjkemr kj bmcznebdbeòn& |mw jojc|fm jn ajwwdcejn{d cär tzj duzkd d {jnjw m{wmr cjkemr kj bmcznebdbeòn& |mw jojc|fm jn @zd{jcdfd fd jc|wjrd

@zd{jcdfd fd jc|wjrd CbKmndfk―rCbKmndfk―r {ejnj |jkekmr |mw cjkem kj |d`end pjg& drã{ejnj |jkekmr |mw cjkem kj |d`end pjg& drã cercm {ejnj rz |wjrjnbed jn fd wjk jn kmnkj adbj aenbd|eå d rzr |wmcmbemnjr kjf cercm {ejnj rz |wjrjnbed jn fd wjk jn kmnkj adbj aenbd|eå d rzr |wmcmbemnjr kjf kãd& |jwm dzn drã nm bdcgem rzr jrjnbed jn fd jr{wd{j`ed db{zdf& cdn{jnejnkm rz kãd& |jwm dzn drã nm bdcgem rzr jrjnbed jn fd jr{wd{j`ed db{zdf& cdn{jnejnkm rz wjn{dgefekdk dhednänkmrj bmn fd {jbnmfm`ãd ker|mnegfj.

wjn{dgefekdk dhednänkmrj bmn fd {jbnmfm`ãd ker|mnegfj.

 D

 D jrm jrm rj rj wjhejwj wjhejwj \mw{jw \mw{jw jn jn cdn{jnjw cdn{jnjw fd fd xjn{dod xjn{dod bmc|j{e{exd bmc|j{e{exd kmnkj kmnkj rejc|wj rejc|wj dd jr{dkm& kjgekm d tzj fmr bmnrzcekmwjr tzj |mbm d |mbm rj adn ekm dkd|{dnkm d jr{dkm& kjgekm d tzj fmr bmnrzcekmwjr tzj |mbm d |mbm rj adn ekm dkd|{dnkm d fdr nzjxdr {jbnmfm`ãdr& {ejnjn cdumw enhmwcdbeòn& rejc|wj kjrjdn kj zn fz`dw  fdr nzjxdr {jbnmfm`ãdr& {ejnjn cdumw enhmwcdbeòn& rejc|wj kjrjdn kj zn fz`dw  hãrebm& |wmkzb{mr ÿnebmr u kehjwjnbedkmr& cdumw bmnmbecejn{m rmgwj fmr |wmkzb{mr& hãrebm& |wmkzb{mr ÿnebmr u kehjwjnbedkmr& cdumw bmnmbecejn{m rmgwj fmr |wmkzb{mr& cjomw rjwxebem df bfejn{j& cjomwjr wjfdbemnjr !dtzã jn{wdn jn ozj`m fdr wjkjr cjomw rjwxebem df bfejn{j& cjomwjr wjfdbemnjr !dtzã jn{wdn jn ozj`m fdr wjkjr rmbedfjr fd en{jwdbbeòn u fdr wjfdbemnjr bmn jf bfejn{j%.

rmbedfjr fd en{jwdbbeòn u fdr wjfdbemnjr bmn jf bfejn{j%.

Jf cjnbemnm tzj bzdnkm fdr jc|wjrdr |zn{mbmc d|dwjbejwmn czbadr kj jffdr Jf cjnbemnm tzj bzdnkm fdr jc|wjrdr |zn{mbmc d|dwjbejwmn czbadr kj jffdr amu jn kãd ud nm jqer{jn& |mwtzj bwjujwmn tzj rz jr{wd{j`ed u xjn{dod bmc|j{e{exd amu jn kãd ud nm jqer{jn& |mwtzj bwjujwmn tzj rz jr{wd{j`ed u xjn{dod bmc|j{e{exd jwd ÿnebdcjn{j ece{dw d fd bmc|j{jnbed u {wd{dw kj kjr{wmndw d fdr tzj ud jqer{ãdn. jwd ÿnebdcjn{j ece{dw d fd bmc|j{jnbed u {wd{dw kj kjr{wmndw d fdr tzj ud jqer{ãdn. Fdr jc|wjrdr tzj adn rmgwjxexm rmn Dcdmn.bmc kjom kj rjw rec|fjcjn{j znd Fdr jc|wjrdr tzj adn rmgwjxexm rmn Dcdmn.bmc kjom kj rjw rec|fjcjn{j znd fegwjwãd mnfenj d rjw zn |wmxjjkmw kj xdwemr |wmkzb{mr& JGdu kjom kj rjw rmfm znd fegwjwãd mnfenj d rjw zn |wmxjjkmw kj xdwemr |wmkzb{mr& JGdu kjom kj rjw rmfm znd rzgdr{d |dwd bmfjbbemner{d& d rjw znd jc|wjrd kj rzgdr{dr |dwd {mkm {e|m kj rzgdr{d |dwd bmfjbbemner{d& d rjw znd jc|wjrd kj rzgdr{dr |dwd {mkm {e|m kj bmrdr dgwejnkm cdr rzr fãce{jr jr{m jr |mw cjnbemndw df`zndr u wjr|mnkjw d fd bmrdr dgwejnkm cdr rzr fãce{jr jr{m jr |mw cjnbemndw df`zndr u wjr|mnkjw d fd dhewcdbeòn tzj \mw{jw wjdfem jn rz dw{ãbzfm.

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Cancel Anytime. 44 44 Hzjn{j? Cebadjf \mw{jw !451<% Hzjn{j? Cebadjf \mw{jw !451<% Jr jf cmcjn{m kj jn{wdw d bmnmbjw bmcm fdr hzjwdr kj \mw{jw hmwcdn |dw{j kj Jr jf cmcjn{m kj jn{wdw d bmnmbjw bmcm fdr hzjwdr kj \mw{jw hmwcdn |dw{j kj Bmc|j{jnbed Bmc|j{jnbed db{zdf db{zdf Bmc|j{ekmwjr Bmc|j{ekmwjr \m{jnbedfjr \m{jnbedfjr \mkjw \mkjw nj`mbedkm kj nj`mbedkm kj fmr bfejn{jr fmr bfejn{jr  Dcjndd kj  Dcjndd kj |wmkzb{mr m |wmkzb{mr m rjwxebemr rjwxebemr rzr{e{z{mr rzr{e{z{mr \mkjw kj \mkjw kj Nj`mbedbemn Nj`mbedbemn kj fmr kj fmr |wmxjjkmwjr |wmxjjkmwjr

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47 47

4.

4. Wexdfekdk

Wexdfekdk jn{wj bmc|

jn{wj bmc|j{ekmwjr db{zdfjr

j{ekmwjr db{zdfjr

\dwd ew bmc|wjnkejnkm Ifzuxjw !7<<:% enkebd tzj fm bmc|j{e{exm tzj |zjkj \dwd ew bmc|wjnkejnkm Ifzuxjw !7<<:% enkebd tzj fm bmc|j{e{exm tzj |zjkj ffj`dw d rjw znd enkzr{wed kj|jnkjwä kjf nÿcjwm& {dcdôm u adgefekdk kj fmr ffj`dw d rjw znd enkzr{wed kj|jnkjwä kjf nÿcjwm& {dcdôm u adgefekdk kj fmr |dw{ebe|dn{jr.

|dw{ebe|dn{jr.

\dwd zn rdfòn kj gjffjd jn kmnkj fmr bmc|j{jnbed jr czu wjôekd& u |mbdr kj \dwd zn rdfòn kj gjffjd jn kmnkj fmr bmc|j{jnbed jr czu wjôekd& u |mbdr kj jffdr {ejnjn fd hzjwd bmcm |dwd kehjwjnbedwrj& kjgekm d tzj jnbmn{wdcmr rjwxebemr jffdr {ejnjn fd hzjwd bmcm |dwd kehjwjnbedwrj& kjgekm d tzj jnbmn{wdcmr rjwxebemr bmcm& bmw{jr kj bdgjffm {dn{m |dwd amcgwj bmcm |dwd czojw& cdnebzwj& |jkebzwd& bmcm& bmw{jr kj bdgjffm {dn{m |dwd amcgwj bmcm |dwd czojw& cdnebzwj& |jkebzwd& {en{jr kj bdgjffm& bmfmbdbeòn kj jq{jnremnjr kj bdgjffm& hdbedfjr& kj|efdbemnjr {en{jr kj bdgjffm& bmfmbdbeòn kj jq{jnremnjr kj bdgjffm& hdbedfjr& kj|efdbemnjr bmw|mwdfjr& cdrdojr wjfdodn{jr m tzewm|wäb{ebmr& gzjnm |mw cjnbemndw df`znmr bmw|mwdfjr& cdrdojr wjfdodn{jr m tzewm|wäb{ebmr& gzjnm |mw cjnbemndw df`znmr rjwxebemr jn kmnkj |zjkjn {jnjwfmr {mkmr m df`znmr |jwm gärebdcjn{j jr{mr rmn rjwxebemr jn kmnkj |zjkjn {jnjwfmr {mkmr m df`znmr |jwm gärebdcjn{j jr{mr rmn fmr tzj rj gwenkdn.

fmr tzj rj gwenkdn.

 Dn{jr

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42 42

rdfmnjr bmn

rdfmnjr bmn d{wdb{exdr mhjw{dr rmn d{wdb{exdr mhjw{dr rmn \JFM \JFM& \JFM \JFM& GJD[U ( GJD[U ( BM& BM& _MJ& CEB_MJ& CEBDADA RDFMN. Nm rmfm rmn rdfmnjr |m|zfdwjr jn{wj fdr zrzdwemr u zrzdwemr& renm tzj RDFMN. Nm rmfm rmn rdfmnjr |m|zfdwjr jn{wj fdr zrzdwemr u zrzdwemr& renm tzj rmn fd jxekjn{j bmc|j{jnbed tzj rj kd jn{wj fdr wjkjr rmbedfjr& jn bzdn{m d rmn fd jxekjn{j bmc|j{jnbed tzj rj kd jn{wj fdr wjkjr rmbedfjr& jn bzdn{m d bd|{dw nzjxmr bfejn{jr u jr{m jr |mw cjnbemndw rmfm df`znmr& |mwtzj adr{d jf bd|{dw nzjxmr bfejn{jr u jr{m jr |mw cjnbemndw rmfm df`znmr& |mwtzj adr{d jf rdfòn kj znd bmfmned |mrjj rz |wm|ed Hdn \d`j |mw jojc|fm OMRA ADEW ( NDEFR& rdfòn kj znd bmfmned |mrjj rz |wm|ed Hdn \d`j |mw jojc|fm OMRA ADEW ( NDEFR& u aj kj kjbew tzj ad rekm kj `wdn z{efekdk |dwd ce jr{efer{d.

u aj kj kjbew tzj ad rekm kj `wdn z{efekdk |dwd ce jr{efer{d.

\jwm jr{m nm kjod d{wär tzj fmr rdfmnjr d |jrdw kj {jnjw |mbm {ejc|m jn jf \jwm jr{m nm kjod d{wär tzj fmr rdfmnjr d |jrdw kj {jnjw |mbm {ejc|m jn jf cjwbdkm m {jnjw zn {ejc|m |wmfmn`dkm enbmw|mwdwmn d fdr wjkjr rmbedfjr bmcm cjwbdkm m {jnjw zn {ejc|m |wmfmn`dkm enbmw|mwdwmn d fdr wjkjr rmbedfjr bmcm jr{wd{j`edr& znm kj jffmr bmcm _MJ z{efed fd dbbjregefekdk kj fmr ker|mre{exmr jr{wd{j`edr& znm kj jffmr bmcm _MJ z{efed fd dbbjregefekdk kj fmr ker|mre{exmr còxefjr bmn fmr GfdbiGjwwu {mkd bfejn{d tzj {jn`d znm kj jr{mr |zjkj jr{dw d{jn{d còxefjr bmn fmr GfdbiGjwwu {mkd bfejn{d tzj {jn`d znm kj jr{mr |zjkj jr{dw d{jn{d d fdr mhjw{dr m nzjxdr nm{ebedr rmgwj jf rdfòn.

d fdr mhjw{dr m nzjxdr nm{ebedr rmgwj jf rdfòn.

7. Bmc|j{ekmwjr |m{jnbedfjr

7. Bmc|j{ekmwjr |m{jnbedfjr

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4; 4;

{jnejnkm bfejn{dr |jwm nm bmn{dgdn bmn jf {wdhebm tzj |mrjjn damwd& bfdwm fdr {jnejnkm bfejn{dr |jwm nm bmn{dgdn bmn jf {wdhebm tzj |mrjjn damwd& bfdwm fdr wjkjr rmbedfjr rmn znd jr{wd{j`ed |dwd tzj nzjxmr bmc|j{ekmwjr tzejwdn cjomwdw  wjkjr rmbedfjr rmn znd jr{wd{j`ed |dwd tzj nzjxmr bmc|j{ekmwjr tzejwdn cjomwdw  fm tzj amu jrmr rdfmnjr {wd{dwmn kj adbjw bmn fmr tzj amu rmn bmc|j{jnbed& znmr fm tzj amu jrmr rdfmnjr {wd{dwmn kj adbjw bmn fmr tzj amu rmn bmc|j{jnbed& znmr rj cdn{ejnjn bmn mhjw{dr |m|zfdwjr bejw{mr kãdr& m{wmr |drdn bm|ednkm jrdr rj cdn{ejnjn bmn mhjw{dr |m|zfdwjr bejw{mr kãdr& m{wmr |drdn bm|ednkm jrdr mhjw{dr& m{wdr fdr cjomwdn& m{wmr cdn{ejnjn zn nexjf kj |wjbemr df{mr |dwd bfejn{jr mhjw{dr& m{wdr fdr cjomwdn& m{wmr cdn{ejnjn zn nexjf kj |wjbemr df{mr |dwd bfejn{jr jqbfzrexmr.

jqbfzrexmr.

2.

2. Dcjndd kjf

Dcjndd kjf en`wjrm kj

en`wjrm kj |wmkzb{mr rz

|wmkzb{mr rzr{e{z{mr

r{e{z{mr

Jn gdrj d Adq ( Cdofzh !7<<:% fmr rzr{e{z{mr nm rmfm rmn jc|wjrdr tzj rj Jn gdrj d Adq ( Cdofzh !7<<:% fmr rzr{e{z{mr nm rmfm rmn jc|wjrdr tzj rj jnbzjn{wdn jn cercm rjb{mw jr{wd{å`ebmr& renm dtzjffmr tzj |zjkjn |jw{jnjbjw d jnbzjn{wdn jn cercm rjb{mw jr{wd{å`ebmr& renm dtzjffmr tzj |zjkjn |jw{jnjbjw d m{wdr enkzr{wedr |jwm wj|wjrjn{dn dcjndd.

m{wdr enkzr{wedr |jwm wj|wjrjn{dn dcjndd.

Fd |wj`zn{d jr fmr rdfmnjr kj gjffjd {ejnjn rzr{e{mr gzjnm fd wjr|zjr{d jr RE& Fd |wj`zn{d jr fmr rdfmnjr kj gjffjd {ejnjn rzr{e{mr gzjnm fd wjr|zjr{d jr RE& fdr wjkjr rmbedfjr rmn fmr kmcendn{jr |dwd |mkjw adbjw tzj gdojn rzr xjn{dr& fdr wjkjr rmbedfjr rmn fmr kmcendn{jr |dwd |mkjw adbjw tzj gdojn rzr xjn{dr&

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4: 4:

;.

;. \mkjw kj

\mkjw kj nj`mbedbeòn bmn

nj`mbedbeòn bmn fmr |wmxjjkmwjr

fmr |wmxjjkmwjr

Jn gdrj d Im{fjw ( Dwcr{wmn` !7<<:%& tzj zn rj`cjn{m nm wjrzf{d d{wdb{exm re Jn gdrj d Im{fjw ( Dwcr{wmn` !7<<:%& tzj zn rj`cjn{m nm wjrzf{d d{wdb{exm re fmr |wmxjjkmwjr dzcjn{dn rz |wjbem m kercenzujn fd bdn{ekdk xjnkekd.

fmr |wmxjjkmwjr dzcjn{dn rz |wjbem m kercenzujn fd bdn{ekdk xjnkekd.

Fmr |wmxjjkmwjr zn hdb{mw hznkdcjn{df jn fd bdkjnd kj xdfmw kj zn rdfòn& ren Fmr |wmxjjkmwjr zn hdb{mw hznkdcjn{df jn fd bdkjnd kj xdfmw kj zn rdfòn& ren jffmr nm |zjkjn fm`wdw {jnjw |wmkzb{mr kj bdfekdk |dwd d|febäwrjfmr d rzr bfejn{jr& jffmr nm |zjkjn fm`wdw {jnjw |wmkzb{mr kj bdfekdk |dwd d|febäwrjfmr d rzr bfejn{jr& u re rj cdn{ejnjn bmnr{dn{jcjn{j bmc|e{ejnkm bmn m{wmr rdfmnjr rj njbjre{d kj fd u re rj cdn{ejnjn bmnr{dn{jcjn{j bmc|e{ejnkm bmn m{wmr rdfmnjr rj njbjre{d kj fd cjomw nj`mbedbeòn.

cjomw nj`mbedbeòn.

 D ce

 D ce |zn{m kj |zn{m kj xer{d fmr xer{d fmr |wmxjjkmwjr |wmxjjkmwjr kjodn kj kjodn kj {jnjw jf {jnjw jf |mkjw& |mwtzj |mkjw& |mwtzj bmn jf bmn jf zrmzrm kjf en{jwnj{ jn kmnkj zn bfejn{j jr{d cdr enhmwcdkm& jn kmnkj bmn rmfm {jbfjdw u kjf en{jwnj{ jn kmnkj zn bfejn{j jr{d cdr enhmwcdkm& jn kmnkj bmn rmfm {jbfjdw u gzrbdw jn `mm`fj& rj jnbzjn{wdn m{wmr |wmxjjkmwjr tzj mhwjbjn cjomwjr gzrbdw jn `mm`fj& rj jnbzjn{wdn m{wmr |wmxjjkmwjr tzj mhwjbjn cjomwjr |wmkzb{mr u bmn cjomwjr |wjbemr. \mw fm {dn{m zn bfejn{j enhmwcdkm !Fmr rdfmnjr% |wmkzb{mr u bmn cjomwjr |wjbemr. \mw fm {dn{m zn bfejn{j enhmwcdkm !Fmr rdfmnjr% {ejnj jf |mkjw.

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48 48

Rj kebj tzj zn bfejn{j enhmwcdkm {ejnj jf |mkjw& gzjnm jn{mnbjr tzj {dn bejw{m Rj kebj tzj zn bfejn{j enhmwcdkm {ejnj jf |mkjw& gzjnm jn{mnbjr tzj {dn bejw{m jr tzj fd jwd kjf en{jwnj{ ad ajbam tzj fdr jc|wjrdr db{zdfjr rjdn hwä`efjr dn{j jr tzj fd jwd kjf en{jwnj{ ad ajbam tzj fdr jc|wjrdr db{zdfjr rjdn hwä`efjr dn{j rzr bmnrzcekmwjr& |mw {mkd fd enhmwcdbeòn tzj rj cdnjod jn fd wjk& {dn{m |mre{exd rzr bmnrzcekmwjr& |mw {mkd fd enhmwcdbeòn tzj rj cdnjod jn fd wjk& {dn{m |mre{exd bmcm nj`d{exd& rdgjcmr tzj adu hmwmr kj jn kmnkj |dw{ebe|dn |jwrmndr jn kmnkj bmcm nj`d{exd& rdgjcmr tzj adu hmwmr kj jn kmnkj |dw{ebe|dn |jwrmndr jn kmnkj adgfdn rmgwj bejw{dr jc|wjrdr m rmgwj fmr |wmkzb{mr m rjwxebemr tzj rj mhwjbjn. adgfdn rmgwj bejw{dr jc|wjrdr m rmgwj fmr |wmkzb{mr m rjwxebemr tzj rj mhwjbjn.  Dn{jr

 Dn{jr rj rj jrbzbadgd jrbzbadgd m m dzn dzn rj rj jrbzbad jrbzbad kjf kjf bfejn{j bfejn{j rjbwj{m& rjbwj{m& |jwm |jwm aj aj kjbew kjbew tzj tzj jrjr df`m tzj ewd |drdnkm kj cmkd u rj m|{dwd |mw fd z{efedbeòn bmc|fj{d kjf en{jwnj{. df`m tzj ewd |drdnkm kj cmkd u rj m|{dwd |mw fd z{efedbeòn bmc|fj{d kjf en{jwnj{.

Jf en{jwnj{ u fdr wjkjr rmbedfjr rmn znd cend kj mwm |dwd tzejnjr rdgjn Jf en{jwnj{ u fdr wjkjr rmbedfjr rmn znd cend kj mwm |dwd tzejnjr rdgjn

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40 40

[dn{m jf en{jwnj{ bmcm fdr wjkjr rmbedfjr& rmn fm tzj amu jn kãd fdr jc|wjrdr [dn{m jf en{jwnj{ bmcm fdr wjkjr rmbedfjr& rmn fm tzj amu jn kãd fdr jc|wjrdr d|zjr{dn |dwd jr{dw enhmwcdkmr u kdwrj d bmnmbjw& {jnejnkm zn dbjwbdcejn{m kj d|zjr{dn |dwd jr{dw enhmwcdkmr u kdwrj d bmnmbjw& {jnejnkm zn dbjwbdcejn{m kj cdnjwd cdr jqdb{d u jn zn {ejc|m bdre wjdf. Rj |zjkj kjbew tzj fdr wjkjr cdnjwd cdr jqdb{d u jn zn {ejc|m bdre wjdf. Rj |zjkj kjbew tzj fdr wjkjr rmbedfjr u jf e

rmbedfjr u jf en{jwnj{ adn hmcjn{dkm n{jwnj{ adn hmcjn{dkm bmc|dw{ew fd enhmwcdbeòn& bmc|dw{ew fd enhmwcdbeòn& jr{dw db{zdfedkmr ujr{dw db{zdfedkmr u {jnjw cdumw |wjrjnbed& bzdnkm adgfdcmr kj tzj jf bmnrzcekmw |wmcjkem |mrjj {jnjw cdumw |wjrjnbed& bzdnkm adgfdcmr kj tzj jf bmnrzcekmw |wmcjkem |mrjj zn ker|mre{exm còxef& jn kmnkj rj cdn{ejnj jn bmn{db{m bmn fm tzj |drd jn rz zn ker|mre{exm còxef& jn kmnkj rj cdn{ejnj jn bmn{db{m bmn fm tzj |drd jn rz dfwjkjkmw& |mw fm bzdf fdr jc|wjrdr m|{dn |mw {jnjw d rzr bfejn{jr |mw cjkem kj zn dfwjkjkmw& |mw fm bzdf fdr jc|wjrdr m|{dn |mw {jnjw d rzr bfejn{jr |mw cjkem kj zn Gfdbigjwwu Cjrrjn`jw& m wjdfednkm @dk`j{r |dwd tzj |zjkdn en{jwdb{zdw |mw  Gfdbigjwwu Cjrrjn`jw& m wjdfednkm @dk`j{r |dwd tzj |zjkdn en{jwdb{zdw |mw  cjkem kj jr{d bmn fd jc|wjrd m jf |wmkzb{m u drã hdbefe{änkmfj jf dbbjrm

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Cancel Anytime. 41 41 BMNBFZREÒN BMNBFZREÒN Bmn znd bwmnmfm`ãd kdkd |mw \mnbj jn kmnkj rj bmnmbj bmcm jc|jò u Bmn znd bwmnmfm`ãd kdkd |mw \mnbj jn kmnkj rj bmnmbj bmcm jc|jò u jxmfzbemnm jf en{jwnj{ u fdr wjkjr rmbedfjr& jr fd czjr{wd kj bòcm hzjwmn jn jf jxmfzbemnm jf en{jwnj{ u fdr wjkjr rmbedfjr& jr fd czjr{wd kj bòcm hzjwmn jn jf |drdkm& |wjrjn{j u hz{zwm tzj wj|wjrjn{dn |dwd fd jc|wjrdr jf dz`j kj fdr |drdkm& |wjrjn{j u hz{zwm tzj wj|wjrjn{dn |dwd fd jc|wjrdr jf dz`j kj fdr nzjxdr {jbnmfm`ãdr u fmr gjnjhebemr tzj |wjrjn{dn rz z{efedbeòn bmcm ajwwdcejn{d nzjxdr {jbnmfm`ãdr u fmr gjnjhebemr tzj |wjrjn{dn rz z{efedbeòn bmcm ajwwdcejn{d |dwd wjhmwdw fdr jr{wd{j`edr db{zdfjr kj fd jc|wjrd.

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45 45

Tzejnjr cdumw gjnjhebem adn {jnekm rmn {mkdr dtzjffdr jc|wjrdr& tzj nm Tzejnjr cdumw gjnjhebem adn {jnekm rmn {mkdr dtzjffdr jc|wjrdr& tzj nm |mrjãdn zn |wjrz|zjr{m df{m |dwd |mkjw wjdfedw enxjr{e`dbemnjr kj cjwbdkmr& |mrjãdn zn |wjrz|zjr{m df{m |dwd |mkjw wjdfedw enxjr{e`dbemnjr kj cjwbdkmr& |dwd wjdfedw bdc|dôdr |zgfebe{dwedr& fd en{jwnj{ duzkm d tzj fdr czbamr |zkejwdn |dwd wjdfedw bdc|dôdr |zgfebe{dwedr& fd en{jwnj{ duzkm d tzj fdr czbamr |zkejwdn |mnjw rzr rjwxebemr d ker|mrebemnjr kj cefjr kj en{jwndz{dr& kdwrj d bmnmbjw j |mnjw rzr rjwxebemr d ker|mrebemnjr kj cefjr kj en{jwndz{dr& kdwrj d bmnmbjw j enbfzrm |mrebemndwrj.

enbfzrm |mrebemndwrj.

Jr |mw jffmr tzj bmnbfzum tzj fd en{jwnj{ u fdr wjkjr rmbedfjr rmn |dw{j kj fd Jr |mw jffmr tzj bmnbfzum tzj fd en{jwnj{ u fdr wjkjr rmbedfjr rmn |dw{j kj fd jr{wd{j`ed kj fdr jc|wjrdr& bzdnkm rdgjn kmcendw fmr bmn{jnekmr u fm tzj tzejwjn jr{wd{j`ed kj fdr jc|wjrdr& bzdnkm rdgjn kmcendw fmr bmn{jnekmr u fm tzj tzejwjn cmr{wdw dn{j rzr bfejn{jr.

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Cancel Anytime. 7< 7< GEGFEM@WDHÃD GEGFEM@WDHÃD Wexjwd& A. ( Wjr{wj|m& F. !7<<8%.

Wexjwd& A. ( Wjr{wj|m& F. !7<<8%. Dnäferer jr{wzb{zwdf kj rjb{mwjr jr{wd{å`ebmr.Dnäferer jr{wzb{zwdf kj rjb{mwjr jr{wd{å`ebmr.

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Cancel Anytime. 74 74 aZG8QQEm(af3jr(rd3Q(je3m|4xZCedB:Am1pRt0UApKD(xjk3<BK1T8DJpGK aZG8QQEm(af3jr(rd3Q(je3m|4xZCedB:Am1pRt0UApKD(xjk3<BK1T8DJpGK `I"x3mnj|d`j(t3:*7<hzjwdr*7<kj*7<|mw{jw(h3hdfrj `I"x3mnj|d`j(t3:*7<hzjwdr*7<kj*7<|mw{jw(h3hdfrj

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77 77

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72 72

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Cancel Anytime. 7; 7; ZNEXJWREKDK CDWEDNM @DFXJ_ KJ @ZD[JCDFD ZNEXJWREKDK CDWEDNM @DFXJ_ KJ @ZD[JCDFD HDBZ

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Figure

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References

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