!"#$%"$&'$(')*(+*&,'$-$.",/0$#(/1!%$-$'2/,',/3'4%5,'6.")
!"#$%&''(%#$%)*++,
-'*%.+,%-'*%/'0,%-'*%1+#*2%3045%6"#7,
8'%7'49%:$%/'0%2'4;5%5*/%5'%.:(+%.'4+/%'))%
#5%'*%<:$$%#5%'))%:$%/'0*%1'*(=%)++7%)*++%5'%2'%
1":5+>+*%+7$+%/'0%7#(+%1#5"%#5?%3%9#)5%)'*%.'.?%
6*#45%#5%'05%:42%0$+%#5%:$%1:77<:<+*?%@'%405$,
8":*+%#5%1#5"%/'0*%)*#+42$=%):.#7/%:42%5"+%
1'*72%042+*%5"+%5+*.$%')%A*+:5#>+%A'..'4$%
355*#&05#'4%B?C%D#E+4$+%F1"#E"%.+:4$%/'0%E:4%
$":*+%:42%*+.#G%5"#$%1'*(=%$'%7'49%:$%/'0%
:55*#&05+%5"+%'*#9#4:7%1'*(%5'%5"+%:05"'*H,
D3I@J8K%DL@3D%AM6N,
!"#$%"$&'$(')*(+*&,'$-$.",/0$#(/1!%$-$'2/,',/3'4%5,'6.")
OK3!;8%!KJ8%3DD%3PMQ!R
!KL%OKN
789:;$<8=$>8?@$A@@;B9C$D@AEDFEG>@$H@8H>@I$ 58=$F98JK$;L@$FB9M$8N$H@DO89$;LE;$<8=$@PQLE9C@$E$N@J$O@9;@9Q@O$JB;L$E9M$ BAA@MBE;@><$F98J$<8=:>>$G@$B9OHBD@M$G<6$58=$;@>>$<8=D$NDB@9MO$EG8=;$;L@A$>E;@DK$ 98;$O=D@$@PEQ;><$JLE;$B;$JEO$EG8=;$;L@A$;LE;$BAHD@OO@M$<8=$O8$A=QL6 /$AEF@$E9$@NN8D;$;8$O=DD8=9M$A<O@>N$JB;L$;LBO$FB9M$8N$H@DO89$G@QE=O@$/:?@$CEB9@M$ O8$A=QL$ND8A$;L@A$B9$;L@$HEO;6$R=O;$G<$>B?B9C$;L@BD$>B?@O$;L@<$AEF@$A@$J8DF$ LEDM@D$E9M$H=OL$A<O@>N$;8$EQLB@?@$A8D@K$;8$G@$LEHHB@DK$;8$>B?@$E$N=>>@DK$DBQL@D$>BN@6!KL%AMS!LS!
"?@D$;L@$<@EDO$/:?@$HBQF@M$=H$E$>8;$8N$=O@N=>$HB@Q@O$8N$EM?BQ@$ND8A$;L@O@$H@8H>@K$ ZKLOHDWWKHVDPHWLPHREVHUYLQJDQGWU\LQJWRðJXUHRXWZKDWPDNHVWKHPWLFN /:?@$J8DF@M$;8$EHH><$AE9<$8N$;L@O@$OEA@$>@OO89O$;8$A<$8J9$>BN@$E9M$LE?@$O@@9$ ?@D<$H8OB;B?@$QLE9C@O$EO$E$D@O=>;6 /$JD8;@$;LBO$G88F$;8$OLED@$O8A@$8N$;L@O@$;BMGB;O$8N$F98J>@MC@$JB;L$@?@D<89@$ EHFDXVH,ðUPO\EHOLHYHWKDWLIWKHZRUOGKDVPRUHLQVSLULQJDPELWLRXVDQG D@AEDFEG>@$H@8H>@$J@:>>$E>>$G@$E$>8;$G@;;@D$8NN6!KL%D3NMQ!
,QWKHIROORZLQJSDJHV\RXâOOðQGRIP\IDYRULWHSLHFHVRIDGYLFHWKDW,âYHEHHQ ;8>M$G<$8D$C>@E9@M$ND8A$H@8H>@$JL8$/$D@OH@Q;K$E>89C$JB;L$O8A@$EM?BQ@$MBD@Q;><$ ND8A$O8A@$8N$;L@$D@AEDFEG>@$H@8H>@$B9$A<$>BN@6$ *;$;L@$G8;;8A$8N$@EQL$;BH$HEC@$BO$E$HB@Q@$8N$O=HH>@A@9;ED<$B9N8DAE;B89K$JLBQL$ AE<$B9Q>=M@$S=8;@OK$T(,O$8D$NEQ;8BMO6$*;$;L@$G8;;8A$8N$;L@$HEC@O$JDB;;@9$G<$ RWKHUV\RXâOOðQGDEULHIH[SODQDWLRQRIZKRWKHSHUVRQLV,I\RXâGOLNHWRðQG 8=;$A8D@$EG8=;$;LE;$H@DO89K$C8$;8$;L@$?@D<$GEQF$8N$;LBO$G88F$E9M$D@EM$;L@BD$ >89C@D$GB8CDEHL<K$8D$Q>BQF$89$;L@BD$9EA@$;8$C8$;8$;L@BD$J@GOB;@6!"#$%&'(&)'*!%*!+&,-./0
!!"#$%#&'(% !!)#*+,-./% !!0#12-/3#24#5'-(6%.7 !!8#1'6%#9:3''. !!;#<=/(2,%#>%2.?4@ !!A#B+'C#$-..63?4 !!D#&2E%#F2G%6 !!H#$%#>'-+, !!I#9:2(:?4@#1?G?+/ !"!#J2G%#K-+L !""#M6E#N-%64?'+6 !")#%H&RQð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` !;;#$%#T'.?4%#YT.%26%Z !;A#$%#2#J%(' !;D#F2/%#9.2G%#>%X%. !;H#5'-(#a43?:6 !;I#$%#S=%+b&?+,%, !A!#O3%#>?/34#R('C, !A"#9%%E#B+'C.%,/% !A)#U'+c4#U%64('@ !A0#&?,,.%#T243 !A8#O3%#1?7%#U%6?/+#T('_%:4 !A;#$%#2#O3?+E%( !AA#U'#5'-#1'G%#*4^ JSF#OS#$a#>a&M>BM$1a#V#RS1*W#F>*QJO#V#ad*1a1*Ka9O51aeRS&!3PDL%M-%AMS!LS!8%FTUTH
)EF@$!EGB;O UVW$%BH$#@>> &=OB9@OO$.EDMO (@X@Q;$.@>@GDB;< &@$)B9BAE> 58=$3BDO; +98J$)EDF@;B9C &@$4<AA@;DBQE> "J>$4HEDFO 6HOI5HñHFW &@$%LDBN;< 789:;$*9;EC89BY@ &@$4H8DEMBQ UWU$4;E9M$TH UWZ$7KHWR$OWHUQDWLYH UW[$18$(\O=A\>@OO UW]$&@$E$^ED; UW_$)EF@$)BO;EF@O UW`$!E?@$18E>O UWV$a@D;=$4;=MB8 ^@DO89E>$&DE9M UWW$&@$E$1@@F 08$&ECCEC@ &@$"H;BABO;BQ +98J$!BO;8D< #EF@$TH$'ED>< R@;$4@;$.B;BY@9 &@$/9N8DA@M &@$*HED; *>89@$%BA@ ,8QE;B89$ZWU 'PHE9M$!8DBY89O &@$%@QLb4E??< ZUU$R@E>8=O< ZUZ$'9X8<$08?@>;< ZU[$"J9$,EG@>O ZU]$&@$0Ec?@ ZU_$'>G8J$1D@EO@ ZU`$TO@$4QL88> ZUV$&@$(@X@Q;@M 48QBE>$*AG@D ZUW$TO@$,BAB;E;B89O 'AGDEQ@$.LE9C@ ZZU$48D;$8N$4;8BQ ZZZ$%L@$/M@E$BO$+B9CSM!L
4;E<$;=9@M$EN;@D$;L@$;BHO$;8$D@EM$A8D@$EG8=;$ ;L@$D@AEDFEG>@$H@8H>@$JL8$Q89;DBG=;@M$;8$ WKLVERRNDQGWRðQGRXWKRZWRJHWLQWRXFK JB;L$;L@A63SM!KLI%SM!L
/N$<8=$D@EM$;8$;L@$?@D<$@9M$<8=:>>$G@$;D@E;@M$ ;8$E9$@P;DEbOH@QBE>$O=H@DbO@QD@;$;BH6$"88d!KJIV%SM!L
,I\RXðQGDQHUURUHPDLOPHL@D@6$/N$<8=$ ZRXOGOLNHWRðQGRXWDERXWWKHQH[WHERRN, H=;$8=;K$8D$X=O;$JE9;$;8$O;E<$B9$;L@$>88HK$OBC9$ =H$N8D$A<$9BN;<$9@JO>@;;@D$G<$Q>BQFB9C$L@D@6 !"#$%"$&'$(')*(+*&,'$-$.",/0$#(/1!%$-$'2/,',/3'4%5,'6.")PIJS@%JS%V3;%!J68
PIJS@%JS%V3;%-QSW
OK3!%!KJ8%J8
*M?BQ@$E9M$;BHO$C>@E9@M$ND8A$H@8H>@ A=QL$A8D@$F98J>@MC@EG>@K$O=QQ@OON=>$ 8D$X=O;$H>EB9$B9;@D@O;B9C$;LE9$A@6OK3!%!KJ8%J8%SM!
4LEF@OH@ED@6$!@AAB9CJE<6$%L@$&BG>@6 !"#$%"$&'$(')*(+*&,'$-$.",/0$#(/1!%$-$'2/,',/3'4%5,'6.")!"#$%&"
!"#$%&'($(")*+$,-.$/&*($(-$0#$)'$&$1-23$'(&14$5#1)-.'%,4 6$1-23$'(&1$/)%%$'#%7-8$0#$&*,(")*+$0.($&$1-23$'(&1$(-$&%8-'($#9#1,-*#4$:)%%,$;7-%$ 2-.%7*<($=.'($/&%3$)*(-$&$>&1(,$&*7$"&9#$&$*-18&%$2-*9#1'&()-*$/)("$&*-("#1$>#1'-*$ &0-.($>-%)()2'$-1$#.("&*&')&$-1$")'$%-9#$-?$2"#''4$@#->%#$/-.%7$/&*($(-$(&%3$&0-.($("#$ 1-23$*<$1-%%$%)?#'(,%#4$A1.+'4$B-8#*4$C("#1$8.')2)&*'4$!"&(<'$")'$%)?#D$?-1#9#14 :)%%,$;7-%$2&*<($+-$(-$("#$'.>#18&13#(4 ,WâVP\JRDOWREHFRPHNQRZQDQGUHVSHFWHGHQRXJKLQP\ðHOGWRPDNHFKDQJHV, /&*($(-$8&3#D$0.($*-($'-$/#%%$3*-/*$("&($;<8$%)8)(#7$0,$("#$#E>#2(&()-*'$-?$-("#1'4 ,WHQGWRKRSIURPðHOGWRðHOGIDLUO\UHJXODUO\VRWKLVLVHVSHFLDOO\LPSRUWDQWWRPH B",$/-.%7$,-.$/&*($(-$0#$>)+#-*"-%#7$?-1$%)?#F$ A--8#7$(-$&%/&,'$0#$("#$8&13#()*+$2")23$-1$("#$2&1$'&%#'8&*F G&3#$'.1#$("#1#$)'$8-1#$(-$,-.$("&*$,-.1$=-04$;(<'$-3&,$(-$(&%3$&0-.($,-.1$/-13D$ #'>#2)&%%,$)?$,-.$#*=-,$)(D$0.($"&9#$"-00)#'$&*7$)*(#1#'('D$(--4 H-)*$&$01)7+#$2%.0$-1$>%&,$>-%-4$:#$&$".%&I"-->$2"&8>)-*$-1$8-7#%$(1&)*$#*(".')&'(4 $Q\RQHZKRLVQRWDJHHNIRUVRPHWKLQJLVERULQJVRNHHSWKDWLQPLQGDQGðQG '-8#(")*+$/-1("$+##3)*+$-.($&0-.(4''(
%)#*+,+)-J;($)'$,-.1$/-13$)*$%)?#$("&($)'$("#$.%()8&(#$'#7.2()-*4K !"#$%&'"()#**& LCB$!C$:M$NMG6NO6:PM$Q$RCP;S$BN;TL!$Q$MU;PMP;VM5!WPM4RCG
!"#$%&'
!""#$%&#'()*"+%,#%*-.#&%"/+*0%1+%,2/)%3*4-)%5#/-5%#6*(7#4(8%$/,2%)#3*,2/-59%8#%/,9%7',% #-"&%#::4)/#-4""&0% !)%,2*%;#),4"%<*(6/:*%)#-5%)4&)9%=1,>)%-#,%4%?4(,&%/+%/,%24??*-)%*6*(&%-/52,0@%A6*-% )#3*,2/-5%&#'%"#6*%3#(*%,24-%4-&,2/-5%*")*%$/""%5*,%7#(/-5%/+%&#'%8#%/,%4""%,2*%,/3*9% 4-8%,2*-%-#,%#-"&%$/""%&#'%7*%)/:B%#(%8*48%+(#3%#6*(/-8'"5/-5%7',%&#'>""%4")#%24,*% )#3*,2/-5%&#'%')*8%,#%"#6*0%C#,%5##80 ,QVWHDGUHZDUG\RXUVHOIZKHQ\RXGHVHUYHLWEXWPRVWRIWKHWLPHðQG\RXU *-.#&3*-,%*")*$2*(*0%D2/)%:4-%4")#%)*(6*%4)%4%3#,/64,/#-%,#%5*,%),'++%8#-*0% E#'7"*F$2433&0(()
*"+!"#$%&'",'
=A6*(&%#-:*%/-%4$2/"*9%4%5/("%24)%,#%/-8'"5*%2*()*"+0@ !"#$#%&'())*+#&,#$-($ GHI%DH%JA%KAL!KM!JNA%O%PHN1C%IK1QGD%O%AR1NAN1SA<DTNA0PHL!"#$%&"'&
()#*+,!-!"#$%&''$()*+$(&,-)*+,.$ !"#$)/+$0"-$1+/2+3-. 4+)/0$-"$')#56$)-$7"#/$2)&'#/+,8$7"#/$,#33+,,+,8$%6)-$7"#$'"9+8$%6)-$7"#$6)-+$)0:$ %6)-$7"#$:"8$)0:$7"#;''$<+$)<'+$-"$/+3"9+/$2/"($)$<"0+6+):+:$("9+$)0:$%"/*$6)/:$ %6+-6+/$7"#$2)&'$"/$,#33++:$(#36$("/+$+),&'7. =-;,$<++0$,6"%0$><7$,3&+03+?@$-6)-$-6+$)3-$"2$,(&'&05$)0:$')#56&05$3)0$)3-#)''7$ &(1/"9+$7"#/$("":.$A)*+$#,+$"2$-6&,$%6+0$7"#$)/+$2++'&05$/+)''7$:"%0$<7$')#56&05.$ !"#;''$<+$)()B+:$)-$6"%$(#36$<+--+/$7"#$2++'.
../
$))0&"0123,
ì/DXJKDW\RXUVHOIðUVWEHIRUHDQ\RQHHOVHFDQú !"#$%&'%()*## CDE$FD$GH$IHAJIKJG4H$L$MD4=N$EI=OCF$L$HP=4H4=QHRF!4H.MDA!"#$%#&'""!
!"#$%&#$#"'(")*+,"!")+(,$#",'"#'"-'."+"/&0&(1"$+./2"'("&("%'//$1$"3-.$4*5+("2$+.6"+(#" ,*$("1',"52"%'.$"37+,*8"9(1/&4*8"$,%6"%/+44$4"':,"'-",*$")+2"4'"!")':/#"*+0$"5'.$" IUHHWLPHODWHUWRIRFXVRQWKHUHDOO\GLIðFXOWFODVVHVDQGWDNHRQMREVLQP\ðHOG !";.&'.&,&<$#"52",&5$"4'",*+,"!")':/#"=$"+=/$",'")'.>"'("52"')(";.'?$%,4"3,*$.$")$.$" 5+(26"+(#"#'")$//"&(",*$"%/+44$4"!"($$#$#",'"1$,"&(,'",*$"#$4&1(";.'1.+5@ 6RSKRPRUH\HDU,WRRNP\ðUVWGHVLJQMREZKLFKZDVUHODWLYHO\VLPSOHDQGGLGQâW ;+2"+4"5:%*"+4",*$"4$.0$."?'="!"*+#"=$$(")'.>&(1@"!,"#&#"+//')"5$",'"/$+.("+"($)" VNLOOVHW)ODVKDQGDOVRJDYHPHP\LQLWLDOSURIHVVLRQDOH[SHULHQFHVLQWKHðHOG OHDUQLQJWRGHDOZLWKRIð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ðW D*''4$",*$")'.>"2':",+>$"&("%'//$1$"0$.2"%+.$-://28"=$%+:4$"&-"2':"+.$"+=/$",'"/$+.(" +,")'.>")*&/$"2':"+.$"/$+.(&(1"&("4%*''/"3'."&(4,$+#"'-"4%*''/68"2':E//"$5$.1$"-.'5" 2':."-'.5+/"$#:%+,&'(".$+#2"-'.",*$"?'="5+.>$,"'.",'"4,+.,":;"2':."')("=:4&($44@(()
*""%+",-.!%$/0&.12"34
F9#:%+,&'("&4")*+,".$5+&(4"+-,$."'($"*+4" -'.1',,$("$0$.2,*&(1"*$"/$+.($#"&("4%*''/@G !"#$%&'()*+,'%*+ HIJ"KI"L9"M97NMONLP9"Q"DIP!R"JM!SHK"Q"9T!P9P!B9UKVP9@DI7!"##$%!&%'()"*
)+#(,!&%(&,-".$
,Q\RXUOLIH\RXKDYHWRUHDOL]HWKDW\RXDORQHDUHUHVSRQVLEOHIRUð[LQJ\RXURZQ !"#$%&'()*+&#!%&*,-.*(/#0*1#2*3/&*!-3/*$23*1#2*/-4&*3#*0-%5*63)*7#*.#3*$&*-8"-69)*:3* 6(*1#2"*%68&;*1#2"(*3#*%64&*-.9*1#2"(*3#*&.<#1)*=4&"1*9-1*6(*-.*-94&.32"&;*-.*#!!#"32> .631*3#*(3-"3*(#'&3/6.?*.&0*-.9*,#""&,3*-.1*'6(3-5&(*1#2*/-4&*'-9&*6.*3/&*!-(3) /"012%345526%3782%9:;<%=>>>%5:795%4<%3?%@;8228A%"012%B759%;B3759%C>>%D;325A%EF% 94325%"012%G22<%98H5926%97%9;I2%9:2%D;32%J4<<4<D%5:79%;<6%345526A%"012%K;4B26%7128% ;<6%7128%;<6%7128%;D;4<%4<%3?%B4K2A%,<6%9:;9%45%J:?%"%5H@@226AL% !"#$%&'()*+,-&. @/&*-$#4&*A2#3&*6(*'1*8-4#2"63&*A2#3&*6.*3/&*0#"%9)*:3*"&'6.9(*2(*3#*.&4&"*.&4&"*.&4&"* ?64&*2!)*B#*'-33&"*/#0*'-.1*36'&(*1#2*8-6%*-3*(#'&3/6.?;*63*6(*#.&*(3&!*,%#(&"*3#* (2,,&&96.?*-3*63)*7#*.#3*%6'63*1#2"(&%8)*7#*.#3*,23*1#2"(&%8*(/#"3)*C#2*,-.*9#*-.13/6.?* 1#2*!23*1#2"*'6.9*3#) C#2"*!&",&!36#.*#8*"&-%631*6(*"&-%631)>>M
/#001)-')2,3#.)4+3.-'-)560,&-')7'&(#81)9%',')%')9,#8':)&;+38) 6',:+.&()-'<'(+6='.8>)%'&(8%)&.-)'.8%3:#&:=)4+,)(#4'?) @+((+9)%#=)+.)A9#88',)&.-)@&$';++B? DEF*@E*G=*H=IJHKJGL=*M*NEL:B*FH:OD@*M*=P:L=L:Q=R@CL=)NEI!"#$%&'(()*+,
!"#$%&'()*+%,-$%+"%./$,-/0%1)&-1$%&',&%(&2+%)"&%3"-&'%+4$)5()*%0"1-%4-$.("1+%6-$$% &(#$%")7%8"-&1),&$/0%0"1%.,)%1+1,//0%(5$)&(60%&'$+$%9()5+%"6%(5$,+%:0%&'$%."#4,)0% &'$0%9$$47% ;6%+"#$")$%(+%,+9()*%6"-%#")$0%<&-0()*%&"%+$//%&'$%(5$,=>%&',&2+%1+1,//0%,%4-$&&0%*""5% ()5(.,&(")%&',&%&'$0%',?$%5(66$-$)&%4-("-(&($+%&',)%3',&%&'$0%,-$%&$//()*%0"1%&"%0"1-% 6,.$7%@/+"%3,&.'%6"-%6,/+$%/"*(.%<,-*1#$)&+%&',&%5$4$)5+%")%,-*1#$)&+%&',&%5")2&% PDNHVHQVHLQRUGHUWREHWUXHDQGDQ\WKLQJZLWKDQDLURIP\VWHU\LI\RXFDQâWðQG "1&%$?$-0&'()*%,:"1&%,%+1:A$.&%6,(-/0%$,+(/0%:$.,1+$%+"#$")$%(+%+&,)5()*%()%0"1-%3,0>% #"-$%&',)%/(9$/0%&'$-$%(+)2&%,)0&'()*%&"%'(5$%,)5%BC@B%(+%3',&%&'$0%,-$%'(5()*=7 @?"(5%&'$+$%9()5+%"6%&-(.9+7%D"1-%&(#$%(+%:$&&$-%+4$)&%5"()*%,/#"+&%,)0&'()*%$/+$7%E"% 4/,0%B$&-(+%()+&$,57--.
#"%&'(()*+,
FG'(/5-$)%,/3,0+%1)5$-+&,)57%B'$0%',?$%"4$)% !"#$%&'()*+'),-*'./"012"#'%)"1'$*1*3145%&6 27,$4##, CHI%BH%JK%LKM@LN@JOK%P%GHO;Q%IL;ECB%P%KR;OKO;8K!BDOK7GHMMAKE WAVES
$XWKRULW\LVQâWWKHUHWREHFKDOOHQJHGLWâVWKHUHWRPDLQWDLQWKHVWDWXVTXR7KLV means that the way things currently work is how they will continue to work, unless someone forces change upon the system.
7KH,URQ/DZRI2OLJDUFK\DSROLWLFDOWKHRU\RIOHDGHUVKLSHVVHQWLDOO\VD\VWKDWWKRVH in power will do all they can to maintain that power and to gain more power. This means that your boss or the people who are in charge of creating DMV regulations or the city council are all working hard to keep themselves in power, which can impact the way they use the power they currently have.
,I\RXZDQWWRFKDQJHVRPHWKLQJWKDWLVXQMXVWLUUDWLRQDORUVLPSO\LQHIðFLHQWGR ZKDW\RXFDQWRZRUNZLWKLQWKHH[LVWLQJSRZHUVWUXFWXUHðUVW7KLVPHDQVJRLQJ WKURXJKWKHFKDQQHOVWKDWFXUUHQWO\H[LVWWRWU\DQGLQñXHQFHFKDQJH
If this doesn’t work and this change is important enough to continue pursuing, go around the current structure, but follow the rules as much as possible.
If that doesn’t work, then openly or clandestinely work to break the current system so that a new one can rise in its stead.
I want to note something here in great big letters so that no one misinterprets what ,âPVD\LQJ7+,6'2(61270($186(9,2/(1&(ZKDW,âPWDONLQJDERXWKHUHLV peaceful revolution that brings about positive change.
Your efforts should be constructive, effective AND let you sleep at night.
007
ON CHALLENGING AUTHORITY
“Unthinking respect for authority is the greatest enemy of truth.” -Albert Einstein
!"#$%&'(
!"#$#%&'&()#*"+,-'*('.#'&/+0'1($'"/2+,-'/'&3#4+/5*67'/'3/$*+485/$'0+&"'*"/*'6(8'4((9' $#/556':#55;'1($'#</)35#='>1*#$'/':"+5#;'*"(8-";'6(8'/,0'#2#$6(,#'6(8'4((9'1($':+55'.#' &+49'(1'*"/*'0+&"='?"/*'*"#,@ A*%&'5+9#'*"(&#'-86&'/*'*"#'-6)'*"/*':($9'*"#+$'/$)&'$#/556'"/$0;'5+1*+,-'5(*&'(1':#+-"*&' DQGñH[LQJLQWKHPLUURU,I\RXORRNWKHUHVWRIWKHLUERG\LQDORWRIFDVHVWKHLUEHHU .#55+#&'/,0'5(2#'"/,05#&'/$#'5+9#'B#55('+,&+0#'*"#+$'&5##2#5#&&'&"+$*&='>'3#$&(,'(1' 8,1($*8,/*#'3$(3($*+(,;':"#*"#$'3"6&+4/556'($')#,*/556;'+&'/'&/0;'&/0'*"+,-= C#+,-'/':#55D$(8,0#0'3#$&(,'+&'/')84"'.#**#$'-(/5='E/*"#$'*"/,'F8&*'1(48&+,-' (,'.859+,-'83'6(8$'/$)&;':($9'6(8$'5#-&;'4($#'/,0'0('4/$0+('#<#$4+&#&='G/*':#55=' !/9#'4/$#'(1'6(8$3='!"+&':+55'$#&85*'+,'/')84"'"#/5*"+#$'H/,0'/**$/4*+2#IJ'6(8=' !"#'&/)#'"(50&'*$8#':+*"'6(8$'&9+55&'/,0'/4*+2+*+#&='A1'/55'6(8'0('+&'&4$/3.((9;'+*' 0(#&,%*'$#/556')/**#$'"(:':#55'6(8'0('+*='K(8$'1$+#,0&'/$#'/5$#/06'$#/556'&+49'(1' "#/$+,-'/.(8*'6(8$'&4$/3.((9&;'/,0'6(8'/$#')+&&+,-'(8*'(,'/')84"':+0#$':($50= >'-((0':/6'*('&*/$*'#<3/,0+,-'6(8$'$#/4"'+&'*('-#*'+,2(52#0':+*"'*"+,-&'$#5/*#0'*(' :"/*'6(8'/5$#/06'0(='A1'6(8'>EG'/'&4$/3.((9#$;')/6.#'&*/$*'3/+,*+,-;'($'-#*'+,*(' 0#4(83/-#;'($':$+*#'/'.((9='!"#&#'/$#'/55'$#5/*#0;'.8*'#/4"'&9+55'/5&('&*/,0&'(,'+*&' (:,='L+(5/I'A,&*/,*'2#$&/*+5+*6I))*
+$"'+#$",'%$#-./-M!"(8-"'A'&*+55'"/2#',('&#).5/,4#'(1'/'5+1#'(8*&+0#'(1' N+,#'A,4"'N/+5&'/*'*"#')()#,*;'A'$#/5+O#')6'-(/5&'"/2#' -(,#'1$()'-#**+,-'/'$#4($0'0#/5'($'7+,-'/,(*"#$' $#4($0'*('.#+,-'/'.#**#$'3#$&(,;')($#':#55D$(8,0#0;' "/2+,-'1$+#,0&;'"/2+,-'/'$#5/*+(,&"+3':+*"'&()#.(06=P !"#$%&'($)%*#+',-%$'.%/0',1-23 QR?'!R'CG'EGS>ET>CUG'V'WRUAN'?EAXQ!'V'GYAUGUAZG[!KUG=WRS
!"#$"%&'()%*%+,
7RKDYHDVFDUFLW\PHQWDOLW\DV,âPGHð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ðQDQFLDOO\DQGHPRWLRQDOO\--.
/+(%+"/01
@A*(#,,&0*#&3,&'#$(%)/&%)#"#&3,&*0&-,#&3*&2#3*!&$&.)$"13*!&5#((0'8&B01$*.#& 3,&%)#&4"373(#!#&05&%)#&"3.)6&*0%&%)#&4"05#,,30*&05&%)#&-*#14(0/#+8&9)#&400"& ,)0-(+&2#&4"$.%3.$(&$*+&4"0,$3.8&C%&3,&2#%%#"&%0&)$7#&$&4#"1$*#*%&3*.01#& %)$*&%0&2#&5$,.3*$%3*!8D !"#$%&'()*+, EFG&9F&HI&BIJKBLKHMI&N&OFMCP&GBCQE9&N&IRCMIMCSIT9?MI8OFJ!"#$%&'()
!"#$%"$&"'($'#(")((*"%$"%+,-."#,&()%/#("0(),1-"2-0"3$-)3,$4)"#,5,-1"26("%(66,7#/"7$6,-1" '46)4,%)8"9+/":$4#0"/$4":2-%"%$"2-2#/;("%+("&4-"$4%"$&"/$46"#,&(<"=$"*(>"%+2%?)"-$%" (5(-"2"@4()%,$->"7(324)("A":$6."+260"%$"0(),1-"*/"#,&(")$"%+2%"A"32-"+25("BCDE"&4-8 ,SHUVRQDOO\EHOLHYHWKDW,KDYHDðQLWHDPRXQWRIWLPHWROLYHDQGEHFDXVHRIWKLV, )+$4#0"*2.("%+("*$)%"$&"%+("%,*("A"+25(8"A%":$4#0"7("2")+2*("%$"+25(")'(-%"*/"FGG" $6")$"/(26)"$-"E26%+"@4,(%#/"%6/,-1"%$",*'6$5("*/)(#&":+,#("+2%,-1"%+("'6$3())"2-0" ZDLWLQJWREHðQLVKHG H2/I"A"(-J$/"(5(6/"),-1#("+$46"$&"(5(6/"),-1#("02/>"2-0",&"A"0$-?%>"%+(-"A":$6."%$" 3+2-1("*/"3,634*)%2-3()"4-%,#"A"0$8 =+(6(?)"-$"6(2)$-"%$")4&&(6>"2-0"%+$41+"%+(6("26(")$*("1$$0"2614*(-%)",-"&25$6"$&" K%$,32##/"0(2#,-1":,%+"720"),%42%,$-)"2-0"6(2##/"(L'(6,(-3,-1"720"%+,-1)":+(-"%+(/" +2''(->"(5(-"%+()("3$',-1"*(3+2-,)*)"26("0(),1-(0"%$"+(#'"/$4"(-J$/"#,&("*$6(" 2-0":,%+"16(2%(6",-%(-),%/8"*+*
,!-.%-.%-/012,"(,
MN,5("#,&("&4##/":+,#("/$4?6("+(6(8"EL'(6,(-3("(5(6/%+,-18"=2.("326("$&"/$46)(#&"2-0" /$46"&6,(-0)8"O25("&4->"7("362;/>"7(":(,608"P$"$4%"2-0")36(:"4'I"Q$4?6("1$,-1"%$" 2-/:2/>")$"/$4"*,1+%"2)":(##"(-J$/"%+("'6$3())8"=2.("%+("$''$6%4-,%/"%$"#(26-" IURP\RXUPLVWDNHVðQGWKHFDXVHRI\RXUSUREOHPDQGHOLPLQDWHLW'RQâWWU\WR 7("'(6&(3%R"J4)%"7("2-"(L3(##(-%"(L2*'#("$&"7(,-1"+4*2-8S !"#$%&#'()&**+#, OC9"=C"TE"DEB!DU!TNE"V"WCNAH"9DAPO="V"EXANENAYEK=QNE8WCB!"#$%&'"()*+"
!"#$%&#'%()*#+,-#.&/,*0%(,1#$%%()*#3/+4(#+,#.&05-3$#+,#*6%,/#26%#'%7# <RXZRQâWEHQHðWIURPWKHH[SHULHQFHRIRWKHUV\RXZRQâWEHDEOHWRFODULI\ &(53/+4#0("%48+*0%(#+('#$%߱#9/#0:(%4+(*#5%8;+4/'#*%#*6%,/#26%#'%7# <($#.&/,*0%(,=,--)+('.'"()+/$%&'"()*+"
>6+*#8+-/,#+#?@#;/(503#,%#,;/50+3= >6%),#*6/#<AB#CD%&)E/#F%*#G+03H)#:&$= >6/4/#'%/,#(%&:+*#5%8/#"4%8= !,#*6/4/#+#8%E/#*6+*),#8%,*#30-/3$#*%#20(#+*#4%5-I;+;/4I,50,,%4,= :KLFKFDPHðUVWWKHFDQRSHQHURUWKHFDQ" J%2#'%/,#+#2%4'#9/5%8/#+#5&4,/#2%4'= >6$#'%#9+**/4$#3/**/4,#,-0;#"4%8#<#*%#K=#>+,#*6/4/#+#L#9+**/4$= >6+*#'%/,#G5M%(+3'),#6+E/#0(#5%88%(#20*6#*6/#K!<= >6$#'%/,#J+2+00#6+E/#0(*/4,*+*/#60:62+$,= :K\GRPRVWVQRR]HEXWWRQVRQO\JLYH\RXPRUHPLQXWHVRIVOHHS" >6$#'%#2/#5+33#*6/8#:4+('"+*6/4#53%5-,= :DVãWXUNH\âDELUGRUFRXQWU\ðUVW" >6%#0(E/(*/'#,305/'#94/+'= >6$#0,#0*#5+33/'#C93+5-8+03)= !,#0*#;%,,093/#*%#%2(#;4%;/4*$#%(#*6/#G%%(= >6$#5+()*#$%&#*05-3/#$%&4,/3"= !,#6&8+(#8/+*#6/+3*6$= K+(#$%&#,/(,/#2/+*6/4#20*6#+(#0(N&4/'#9%'$#;+4*= >6+*#+4/#O/+8%(-0/,= J%2#8+($#;%&(',#%"#5608;+(P//#0,#(//'/'#*%#'/"/+*#*6/#+E/4+:/#6&8+(= !"#$%&'()*+,&-,$..&'+/+01)(2&3$4&56&'$.*&7%4$#*+)*&89(.*1$).&1)&*:(&;)1<(#.( JA>#QA#LR#SRG<ST<LBR#U#KAB!V#>S!FJQ#U#RW!BRB!XROQDBR7KAG!"#$%&'()"&*
!"#$%&"'$'()*+$!"#,-.$)'./"0.1$23*$45%.$5*1$ !"#,-.$-.)65&7$)$-.)448$9-53%5&,$4"&7$.:""%$-57(*$&"';$'(53($0.)&/$*()*$8"#$75<.$)$ 6)0&;$)&6$*()*$0.)&/$*()*$8"#$)-.$50=-"<5&7$8"#-/.49$5&$/"0.$')81$ :DONWDOOPDQZRPDQEHFDXVHFRQðGHQFHLVQRWLFHGE\WKHZRUOGDURXQG\RXDQG *(.-.$)-.$9.'$*(5&7/$0"-.$)**-)3*5<.$"-$#/.9#4$*"$()<.$"&$8"#-$/56.1 &RQðGHQFHLVOLNHZRUNLQJRXW\RXUDEV2QFH\RXJHW\RXUFRUHWRDFHUWDLQSRLQW '5*($8"#-$>?=)3%$="==5&7$"#*$)&6$8"#-$":45@#.,/$')<5&7$A(5;,$*("/.$0#/34./$'544$ )3*#)448$:.75&$*"$/#/*)5&$*(.0/.4<./1$!"#$'544$:.$=)//5<.48$:#-&5&7$0"-.$3)4"-5./$ )&6$'"-%5&7$"#*$*("/.$0#/34./$'5*("#*$.<.&$()<5&7$*"$*(5&%$):"#*$5*B*(.8$C#/*$DE1 &RQðGHQFHZRUNVWKHVDPHZD\:HDOOKDYHRXUEDGKDLUGD\VEXWLI\RXEHFRPHD FRQðGHQWSHUVRQWKDWFRQðGHQFHZLOOEHFRPHVHOIVXVWDLQLQJ7KDWPHDQVWKDWHYHQ '(.&$8"#,-.$)*$8"#-$4"'./*$8"#$'544$:.$)')-.$"9$8"#-$"'&$<)4#.$)&6$7.*$"#*$"9$8"#-$ =5*$"9$6./=)5-$0#3($9)/*.-1$ &RQðGHQFHLVJUHDWEXWEHVXUHQRWWRFURVVWKHOLQHDQGEHFRPHDUURJDQW<RXU FRQðGHQFHPHDQVEHLQJDWWUDFWLYHDQGXVHIXOLQUHDOLW\ZKLOHDUURJDQFHLVEHLQJ DQQR\LQJDQGGHVWUXFWLYHLWâVHVVHQWLDOO\RYHUFRQðGHQFHüEHOLHYLQJ\RXâUHWKHFDWâV 0."'$'5*("#*$:.5&7$):4.$*"$6.45<.-$2FD$-#::5&7$5*$5&$.<.-8"&.,/$9)3.G1 3DUWRIEHLQJFRQðGHQWPHDQVQRWKDYLQJWRSURYH\RXUYDOXHWRHYHU\RQHHOVH,I\RX DUHFRQVWDQWO\WU\LQJWRDVVHUW\RXUVXSHULRULW\\RXâUHVKRZLQJDODFNRIFRQðGHQFH .QRZLQJ\RXKDYHYDOXHPHDQVQRWKDYLQJWRñDXQWLWRUSXWGRZQRWKHUVWRIHHO 7""6$):"#*$8"#-/.491+,-%&#$%&'()"&$"
HF":"68$3)&$0)%.$8"#$9..4$5&9.-5"-$'5*("#*$8"#-$3"&/.&*I$ !"#$%&'()*''+$,$#-JEK$LE$MN$ONP2OQ2MRN$S$TERUF$KOUVJL$S$NWURNRUXNYL!RN1TEP!"#$"%&'$(
!"#$%&'()'%*(+$%#$,-%.'/$00.1$'/%2'3%*$0452)2,$%6$(60$%)7(%89*/%3('"/%*$$+%/(%:$% DEOHWRðQGWKHWLPHRUPRWLYDWLRQWRNHHSWKHPVHOYHVLQJRRGKHDOWKDQGJRRG *726$;%!%&$$6%/7(*$%/)(%/7.'1*%*$62,2/$%:$<29*$%/7$,$%.*%2%3.44$,$'<$;% =7$,$%2,$%6,(4$**.('20%)$.17/%0.4/$,*%/72/%0((&%200%,.660-%2'3%2/70$/.<>%:9/%7$20/75).*$% /7$-",$%&.00.'1%/7$+*$0#$*;%=7$,$%2,$%20*(%*(+$%6$(60$%)7(%0((&%(#$,)$.17/%:9/%2,$% 2</9200-%1(.'1%/(%(9/0.#$%9*%200%:$<29*$%(4%/7$%7.17%?920./-%(4%/7$.,%3.$/%2'3%0.4$*/-0$; ,WâVDOODERXWðJXULQJRXWZKDWâVLPSRUWDQWWR\RXDQGHVWDEOLVKLQJDEDODQFH,ORYH +-%)(,&%2'3%/7$,$%2,$%32-*%)7$'%!%*.+60-%4(,1$/%/(%$2/%2'3%*0$$6%2'3%/2&$%<2,$%(4% +-*$04%67-*.<200-%:$<29*$%!"+%*(%$'1,(**$3%.'%)72/$#$,%./%.*%!"+%3(.'1;% !%<2'%244(,3%/(%3(%/7.*%4,(+%/.+$%/(%/.+$%:$<29*$%.'%1$'$,20%!%$2/%2%7$20/7-%3.$/%2'3% )(,&%(9/%$#$,-%32-;%=7$*$%2,$%72:./*%!"#$%$*/2:0.*7$3%*(%/72/%!%<2'%0((&%1((3%2'3% 4$$0%1((3%@:(/7%2,$%.+6(,/2'/%/(%+$A%)./7(9/%)(,,-.'1%/((%+9<7%2:(9/%+-%(44%32-*; !4%-(9%72#$%/,(9:0$%1$//.'1%.'/(%2%,$1902,%)(,&(9/%602'%(,%<72'1.'1%-(9,%3.$/>%!"3% ,$<(++$'3%*$//.'1%,$20.*/.<%1(20*;%B2-.'1%C!"+%1(.'1%/(%0(*$%DE%6(9'3*%:$<29*$%!% ZDQWWRðWLQWRP\VNLQQ\MHDQVâLVQRWLGHDO,I\RXZDQWWRPDNHWKLVDSHUPDQHQW /7.'1%-(9,%1(20%).00%'$$3%/(%:$%C!%)2'/%/(%:$%2:0$%/(%*0.+%3()'>%4$$0%7$20/7->%:$%2:0$% /(%<0.+:%*/2.,*%)./7(9/%62'/.'1%2'3%'(/%72#$%/(%:$%2*%<('<$,'$3%2:(9/%)72/%!%$2/;"% =72/"*%,$20.*/.<%2'3%)('"/%*$/%-(9%96%4(,%2'-%-(5-(%3.$/*%(,%<,2*7%$F$,<.*$%,(9/.'$*;% !/"*%20*(%.+6(,/2'/%/72/%-(9%&$$6%96%2%<$,/2.'%0$#$0%(4%6$,*('20%7-1.$'$;%G(9%<2'%:$% WKHPRVWSK\VLFDOO\ðWSHUVRQLQWKHZRUOGEXWLI\RXVPHOOWHUULEOHKDYHFRUQ\HOORZ /$$/7%2'3%'$#$,%)2*7%-(9,%72.,>%-(9"00%*/.00%72#$%*(+$%.**9$*%1$//.'1%)(,&>%1(.'1%('% 32/$*>%$/<;%=2&.'1%1((3%<2,$%(4%-(9,*$04%7-1.$'.<200-%<2'%2</9200-%7$06%-(9%1$/%.'/(%2% 1((3%$F$,<.*$H3.$/%,(9/.'$>%/((>%*.'<$%-(9,%.'#$*/+$'/%.'%-(9,%266$2,2'<$%).00%4,2+$% 2'-%12.'*%-(9%*$$%4,(+%/7$%7$20/7%*.3$%(4%/7.'1*>%&$$6.'1%-(9%+(,$%+(/.#2/$3;)*+
!,--$%./#$"%&'$#%-012"
IJ#$,-%79+2'%:$.'1%.*%/7$%29/7(,%(4%7.*%()'%7$20/7%(,%3.*$2*$;K !"#$%&'()#$*+',-&.-/-'0#%%1-).-2'.1+'34&$%+)'43'5&%%1#6/ LMN%=M%OJ%PJQRPSROTJ%H%UMT!V%NP!WL=%H%JX!TJT!YJB=GTJ;UMQ!"#$%&'(")*+,--,./
&")*$0,+$%&%
!"#$%&#'()#*#%+$,-$"&,#./"0#$#1$2"&+32#,&%+&&#/4#5$.#6+78#"0^/:&+2/";#76#<$+/2#**=# !"#"0$"#"/8&)#*#.$2#&4"&+/4%#8;#"0/+,#;&$+#$2#>788-4/>$"/74#,/+&>"7+#$4,#7.4&+#76# DVXFFHVVIXOFRQVXOWLQJðUPLPSODQWHGLQ)UHQFKFLWLHV'XHWRLUUHFRQFLODEOHGLI? 6&+&4>&2#./"0#8;#@-2/4&22#A$+"4&+)#$4,#$#"&4$>/7-2#./55#"7#2&&#"0&#.7+5,)#*#87:&,# "7#B72#!4%&5&2#"7#%&"#$4#1!#/4#C788-4/>$"/74#1$4$%&8&4"#6+78#"0^/:&+2/";#76# D7-"0&+4#C$5/67+4/$=#*"#.$2#A722/@5;#"0&#@&2"#,&>/2/74#*#&:&+#8$,&)#&:&4#"07-%0#/"# UHTXLUHGPDQ\VDFULðFHVDQGDJUHDWDELOLW\WROHDYHWKLQJVEHKLQG ,QRUGHUWRUHPDLQLQWKH8QLWHG6WDWHVOHJDOO\,KDGWRTXLFNO\ð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ðFHVLQ%HYHUO\+LOOV7KLVSKLORVRSK\DOORZHGPHWR +&,->#A+/>&2#,+$2"/>$55;)#8$F/4%#8;#2&+:/>&2#$:$/5$@5&#"7#>5/&4"2#.07#.7-5,#7"0? HUZLVHKDYHWRSDVVRQWKHP,ZDQWHGWRXVH+ROO\ZRRGâVIUHQ]\IRUSURðWDQGRYHU? >0$+%/4%#"7#8;#$,:$4"$%&=#92&#"0&#K&>7478/>$5#>+/2/2L#$4,#A&7A5&32#4&.#>74>&+4#67+# 28$+"#2A&4,/4%#"7#>74:&;#"0&22$%&#"0$"#;7-#C!J#%&"#%+&$"#2&+:/>&2#67+#$#+&$? VRQDEOHFRVW'RQâWJHWPHZURQJ,GRQRWUXQDQRQSURðW0\EXVLQHVVLVPHDQWWR %&4&+$"&#+&:&4-&=#M-"#*#"+;#"7#A+7:&#&:&+;,$;#"0$"#/"#/2#A722/@5&#"7#,7#27#.0/5�$:/4%# $#>7,L#>74,->")#$4,#@&/4%#074&2"#./"0#;7-+#>5/&4"2#$4,#@-2/4&22#A$+"4&+2= C0$4%&#,/+&>"/742#./"0#"0$+F&"=#D&42&#/"#@&67+&#/"#0$AA&42#$4,#@&#+&$,;#.0&4# "0&#"+&4,#0/"2=#N/"0#8;#2"-,/7)#O0&#*8$%/2"2)#*#,&>/,&,#"7#&GA57+&#"0&#+&$58#76#A&+? 274$5#@+$4,/4%=#*4,/:/,-$52#$+W+&#$.$+&#$4,#$>>&A"/4%#"7,$;#"0$"#"0&;#>$4#@&# @+$4,&,#$4,#"0$"#"0&#.$;#"0&;#>74:&;#"0&/+#8&22$%&#/2#&22&4"/$5=#O0/2#@+$4>0#76# P\EXVLQHVVH[FHHGHGDOOP\H[SHFWDWLRQVDQGFRQðUPHGWKDWSHUVRQDOEUDQGLQJLV 278&"0/4%#"7#@&#"$F&4#/4"7#$>>7-4"#/4#"787++7.32#8$+F&"=#P7#47"#6&$+#"7#2"$+"#7:&+)# 47#8$""&+#07.#>+$Q;#/"#2&&82)#$2#574%#$2#/"32#"7#>-5"/:$"&#;7-+#0$AA/4&22=#!4,#/6#;7-# F47.#;7-+2&56#$4,#;7-+#8$+F&")#;7-#./55#2->>&&,=123
!"#$%&'(")*+,--,./*$%*&")*'0.)#*,./*1#),&$2)*/$#)1&'#*'3*&")*0$-/-4*%511)%%35-* 6'%*7.8)-)%9:,%)/*1';;5.$1,&$'.*,./*:#,./$.8*%&5/$'*<")*=;,8$%&%> ?'--'0*"$;*'.*<0$&&)#*,./*?,1):''@> HRN#OR#MS#ES1!ET!MBS#U#CRB*J#NE*VHO#U#SW*BSB*XSDOYBS=CR1!"#$%&
!"#$%&#'%()#*%+),-./01#2)#3.''./0#,%#'),#.,#0%4# 561#,%#,78)#.,#7#*,)9#"&6,-)61#."#$%&#'%()#'.")1#2)#3.''./0#,%#'),#0%#%"#7/$,-./0#."# /):)**76$#,%#2)#-799$4# )DUWRRIHZSHRSOHDUHZLOOLQJWRPDNHWKHGLIðFXOWGHFLVLRQWROHWJRRIVRPHWKLQJ 0%%;#./#%6;)6#,%#9&6*&)#*%+),-./0#)()/#2),,)64# ,I\RXDUHFRQðGHQWLQ\RXUVHOIDQGZLOOLQJWRWDNHULVNV\RXâOOEHPXFKPRUHOLNHO\WR )/;#&9#7,#,-)#,%9#%"#,-)#3%6';#7/;#7#3-%')#'%,#')**#'.8)'$#,%#2)#*,&:8#./#7#*.,&7,.%/#$%&# ðQGXQIXOðOOLQJ'()
*&$+&,"$-!.*%.*%
<=),#0%4#>-$#;%#$%&#:'./0#,%#97./?#@-)6)#.*#/%,-./0#$%&#:7/#;%#72%&,#,-)# 36%/0*#%"#$)*,)6;7$4#!,#.*#/%,#$%&6*#,%#A&;0)4#>-$#-%';#%/#,%#,-)#()6$#,-./0# 3-.:-#8))9*#$%&#"6%+#-%9)#7/;#'%()?B !"#$%&'()*+,-* C5>#@5#DE#FEGHFIHD=E#J#K5=!L#>F!MC@#J#EN!=E=!OEP@Q=E4K5G!"#$%"&'"##
!"#$%&"#'($)'*)+%$("$+"#$,-%.$."$%--$.&/01%$23"4$".&-3$)01'-%5$*&/6&$*/''$)''"*$ +"#$."$-47).&/8-$-9-0$/2$+"#$(/%)13--:$ ;&-$)'.-30)./9-$/%$-%%-0./)''+$,-/01$)$,/1".<$#0*/''/01$."$6"0%/(-3$)0+"0-$-'%-=%$ "7/0/"0%$)0($0--(%$)0($'/9/01$/0$/10"3)06-:$!"#$("0=.$0--($."$6&)01-$%/(-%5$ >#%.$.)?-$)$%-6"0($)0($4)?-$%#3-$+"#=3-$"0$.&-$@ABC;$%/(-:()*
+,&"-.$%/0
DE"47)%%/"0$)#."4)./6)''+$/09/.-%$+"#$."$3-').-$*/.&$7-"7'-$,-6)#%-$+"#$0"$'"01-3$3-1)3($7-"7'-$)%$)$(3)/0$"0$+"#3$-0-31+:F !"#$%&'()*+,-%&.( CGH$;G$IJ$@JKL@MLINJ$O$EGNAP$H@ABC;$O$JQANJNARJS;!NJ:EGK!"#$%&$'(&)*
!"#$%&$'()*%$&%$)("$%+&,%"%-()$".#%/"+0%!"#$%1&&2%*()3.-(%"$%$'(%4&-"4%-&55((%*'&67% \RXUVLJQLðFDQWRWKHUWRSD\PRUHDWWHQWLRQWRWKHGHWDLOVRI\RXUUHODWLRQVKLSRU\RXU 5"8.4+%$&%9"-:%&55%"%4.$$4(0% ;$")$%)(/")2.#1%&$'()*%/'(#%$'(+%"-$%$'(%/"+%+&,%/"#$%"#2%*4&/4+%9,$%*,)(4+%+&,<44% *((%8&)(%&5%$'&*(%)(*,4$*= >'(%)(/")2%/.44%9(%2.55()(#$%9"*(2%&#%$'(%*.$,"$.%&5%-&,)*(=%>.6%$'"$%9").*$"%/(44% "#2%+&,<44%'"3(%"%8,-'%9($$()%-'"#-(%&5%1($$.#1%'.1'?(#2%*()3.-(=%@(%"%9.$%8&)(% DIIHFWLRQDWHWR\RXUVLJQLðFDQWRWKHUZKHQWKH\WDNHWKHWLPHWREHPRUHDZDUHRI $'&*(%4.$$4(%$'.#1*%$'"$%")(%*&%.86&)$"#$=%A":(%"#%(55&)$%$&%:((6%.#%9($$()%$&,-'%/.$'% +&,)%5"8.4+%/'(#%$'(+%1.3(%+&,%+&,)%*6"-(=% B$<*%*.864+%C"34&3."#%6*+-'&4&1+7%9,$%-"#%9(%3()+%(55(-$.3(+,-./%&$'(&)*
D>'(%)(/")2%&5%"%$'.#1%/(44%2&#(%.*%$&%'"3(%2&#(%.$=E !"#$%&'(#$)*'+,-./*0 FG!%>G%@H%IHAJIKJ@LH%M%NGLBO%!IBPF>%M%HQBLHLBRH;>SLH=NGA!"##$%&!'()
!"#$%&'$%("'(%)*++,-.)'(.*-%.&%("#%+*&(%.+/*0('-(%/'0(%*1%'-$%0#2'(.*-&"./3%'-4% .(5&%(0,#6%!".&%'//2.#&%-*(%7,&(%(*%0*+'-(.)%)*,/2.-8&%9,(%'2&*%$*,0%0#2'(.*-&"./&% :.("%1'+.2$3%10.#-4&3%)*22#'8,#&3%');,'.-('-)#&%'-4%&(0'-8#0&6%<-)2#'0%*0%.+/0#).&#% )*++,-.)'(.*-%:.("%'-$*-#%)'-%2#'4%(*%+.&,-4#0&('-4.-8&3%:".)"%)'-%.-%(,0-%2#'4% (*%,-)*+1*0('92#%&.(,'(.*-&3%90#'=,/&3%*03%*-%'-%.-(#0-'(.*-'2%&)'2#3%:'06 7KHVHFUHWWREHLQJDFOHDUFRPPXQLFDWRULVWRNHHSWKLQJVVLPSOHDQGWRðQG )*++*-%80*,-46%>"#-%:0.(.-8%'-%'0(.)2#%1*0%+$%92*83%?%)*,24%2*'4%+$%'08,+#-(&% 4*:-%:.("%7'08*-%&*%("'(%*-2$%'%#)(%80*,/%*1%/#*/2#%,-4#0&('-4&%:"'(%?5+%&'$.-8% @("*&#%'20#'4$%A.-%("#%=-*:5B3%9,(%,&,'22$%?%=##/%("#%&2'-8%(*%'%+.-.+,+%'-4%1*),&% LQVWHDGRQSUHVHQWLQJEURDGHULGHDVZLWKDVSULQNOLQJRIZHOOGHðQHGZHOOH[SODLQHG LQGXVWU\FKDWWHUWRNHHSWKLQJVñDYRUIXO !".&%&'+#%(')(.)%)'-%9#%,%.-%0#'2%2.1#%(*%80#'(%#11#)(6%C#)*8-.D#%("'(%$*,%',4.#-)#% .&%:"*+#E#0%$*,50#%&/#'=.-8%(*%'(%("'(%+*+#-(3%'-4%.1%$*,%'0#%&'$.-8%&*+#(".-8%("'(% ("#$%4*-5(%,-4#0&('-4%*0%)'0#%'9*,(3%$*,%+'$%'&%:#22%9#%('2=.-8%(*%$*,0Ø*+,
"%-!"##$%&!'(&"%
FG-#%*1%("#%9'&.)%)',&#&%1*0%'22%("#%(0*,92#%.-%("#%:*024%(*4'$%.&%("'(%/#*/2#%('2=% (**%+,)"%'-4%(".-=%(**%2.((2#6%!"#$%')(%.+/,2&.E#2$%:.("*,(%(".-=.-86%?%'2:'$&%(0$% (*%(".-=%9#1*0#%?%('2=6H !"#$%#$&'()*#+&(,-.'* F?%=-*:%("'(%$*,%9#2.#E#%$*,%,-4#0&('-4%:"'(%$*,%(".-=%?%&'.43%9,(%?5+% -*(%&,0#%$*,%0#'2.D#%("'(%:"'(%$*,%"#'04%.&%-*(%:"'(%?%+#'-(6H !/01&$'("2)30+4&5 IG>%!G%JK%CKLMCNMJOK%P%QGO?R%>C?SI!%P%KT?OKO?UKV!WOK6QGLBE INSPIRED
What inspires you? If you see a painting, does it make you want to paint or write or do your taxes? Do you get a thrill every time you see a movie or talk to a stranger or UHDGDQHERRN FURVVLQJðQJHUV RKSOHDVHRKSOHDVHRKSOHDVH"
<RXâGEHWWHUKDYHVRPHWKLQJWRJHW\RXUFUHDWLYHMXLFHVñRZLQJEHFDXVHRWKHUZLVH you’ll be at a serious disadvantage in the modern workforce.
Already, a whole lot of what can be automated - done by machines and outsourced - has been. The jobs that are going to be left for you to do will be things that others
can’t do more cheaply and in general that means something that requires a bit more creativity than spreadsheet karate.
You’d better have something special to offer and in a lot of cases that something will FRPHWR\RXLQDñDVKRILQVSLUDWLRQ\RXKHDUDSLHFHRIFODVVLFDOPXVLFDQG%220 you’ve got new ideas instead of just regurgitating.
Not only that, but you’ll still have a job. Thanks Chopin!
019
ON YOUR MUSE
“Spend time every day listening to what your muse is trying to tell you.”
-Saint Bartholomew
!"#$"%&'($)*)(*#
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ĥ),4-&C32"&"%2$D&"(&%$9$93$%&"#*"&"#$1&9*1&;$$)&"#$&/*9$&.,/:(9;(%"& (%&.,/.*,4&1(2&;$$)<&32"&3$:*2/$&(;&E!F>&3$),$;/6& G4.&1(2&54(0&0#*"H&I$,"#$%&(;&1(2&,/&%,-#"6&=#$%$&,/&4(&%,-#"&*4.&0%(4-&3$:*2/$& "#$1&*%$&B2/"&(',4,(4/6&I(&%$*/(4&"(&-$"&*4-%16&J$$'&*4&('$4&9,4.&*4.&3$&0,)),4-&"(& :#*4-$<&32"&3$&0,)),4-&"(&.$;$4.&,.$*/&1(2&3$),$+$&,4&/"%(4-)1&C#('$;2))1&"#$&("#$%& '$%/(4&#*/&*4&('$4&9,4.<&*/&0$))KD6+,+
(#%-!'.*(/#
L74&*))&9*""$%/&(;&(',4,(4<&(2%&*.+$%/*%,$/&*%$&,4/*4$6M !"#$%&'()*+, N!O&=!&PQ&>QRG>JGPSQ&T&U!S7I&O>7VN=&T&QW7SQS7XQY=ESQ6U!R!"#$%&'$(&)!*+#
!"#$%&'(#&#)*+,%&*+&'"-%'".#*/"&)"-"0&123&34(&54%"&34(-&6478&#)2#$%&-"2553&729&2+9&34(& ZLOOEHVWUHVVHGDERXWPRQH\DQGðQGLQJDQHZLQFRPHVWUHDPDQGVRPHRI\RXU -"52#*4+%)*'%&:*,)#&%(;;"-&2+9&34($55&:4%#&5*<"53&7"&(+)2''30 14:"=)"-"&*+&#)"&=4-59&%4:"4+"&34(-&2,"&*%&93*+,&4;&/*45"+."&4-&:25+(#-*#*4+&4-& 9*%"2%"0&>)"3$/"&+"/"-&)29&#)"&.)2+."&=4-<&4-&)2/"&2&;(55&:"25&4-&<+4=+&'"2."0& ?+9&#)*+<&274(#&#)*%@&*;&34(&%'-"29&34(-&2-:%&2%&;2-&2%&#)"3&=*55&,4&4(#&34(-&%*9"%& DQGVWUDLJKWHQ\RXUðQJHUVWKHOHQJWKRIWKHZKLWHOLQHDWWKHHQGRIWKHQDLORQ\RXU PLGGOHðQJHULVWKHWRWDOOHQJWKRIKXPDQKLVWRU\7KHUHVWRIWKHOHQJWKRI\RXUDUPV DQGð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âVQRWOLNHO\ZHâOOEHDEOHWRðJXUHLWDOORXWDQ\WLPHVRRQ,-.
)/+!001$201'
SH#$%&2&,-"2#&7*,&(+*/"-%"&T&?+9&="$-"&255&-"2553&'(+3 N"$-"&6(%#&#*+3&5*##5"&%'".<%&T&?74(#&#)"&%*U"&4;&C*.<"3&V44+"3 H#$%&7*,&2+9&752.<&2+9&*+<3&T&?+9&="&2-"&%:255&2+9&9*+<3 H#$%&2&7*,&(+*/"-%"&T&?+9&="$-"&+4#W !"#$$%&'#()*(+&,)-.#)-#/0 GXN&>X&YZ&VZC?VI?Y!Z&T&PX!HA&NVH[G>&T&Z\H!Z!H]Z1>^!Z0PXC!"#$%$&
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ðQGRXW ,"),%E%#;#*%+*#--#+%+355#*#$,0&%,")$%E%+'%$'68%E%");#%)%2'./0#,#0&%+355#*#$,%*#/(,),3'$% 3$%.&%2'00#4#%,'6$%,")$%E%+3+%3$%"34"%-2"''01%)$+%E%")+%)%2'./0#,#0&%+355#*#$,%'$#%3$% KL%,")$%3$%.&%2'00#4#%,'6$8 !"30#%,*);#03$4%E%");#%,"#%'//'*,($3,&%,'%*#3$;#$,%.&-#05%.'*#%5*#M(#$,0&%)$+%3,%3-% 3$2*#+370&%037#*),3$48 *HWDZD\IURPZKDW\RXâUHDFFXVWRPHGWRDQGðJXUHRXWZKR\RXUHDOO\DUHQRWMXVW 6"'%',"#*%/#'/0#%,"3$<%&'(%)*#8'((
")#*+$,-)!
N:*);#03$4%3-%$',%O(-,%-##3$4%,"#%$#6J%3,%3-%)0-'%0#);3$4%7#"3$+8%@',%O(-,%'/#$3$4% +''*-J%)0-'%20'-3$4%,"#.%7#"3$+%&'(1%$#;#*%,'%*#,(*$8%P(,%,"#%/0)2#%&'(%");#%0#5,% 5'*#;#*%3-%)06)&-%,"#*#%5'*%&'(%,'%-##%6"#$#;#*%&'(%-"(,%&'(*%#&#-8Q !"#$%&'()#* RB!%:B%PS%TSILTULPKS%V%WBKE@%!TEXR:%V%SYEKSKEZS[:9KS8WBI!"#$$$
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ðWVRWKHUWKDQMXVWWKHSXUH 7%1'7)%41'+*$+)$&/'*($%$(++3$;/87+*E$/./*$12/$#+71$2%83/*/3$F&G/41'.'71$72+653$&/$ DEOHWRðQGDVHOIVHUYLQJUHDVRQWRGRVR H/'*($('.'*($<'55$%57+$2/5;$=+6$'*$=+68$;/87+*%5$%*3$;8+)/77'+*%5$5')/9$@%>/$12/$1'#/$1+$ 2/5;$+12/87$+61$%*3$=+6"55$&/$2/5;/3$+61$'*$8/168*9$I671$2/5;'*($+12/87$+61$<'12+61$%*=$ FRPSHQVDWLRQIURPWKHPXVXDOO\KHOSV\RXLWVROLGLðHVFRQFHSWVLQ\RXUPLQGJLYHV =+6$#+8/$/J;/8'/*4/$<'12$<2%1/./8$=+6"8/$2/5;'*($12/#$<'12$%*3$&6'537$6;$%*$%68%$ +)$(++3<'55$%8+6*3$=+68$;/87+*%5$&8%*39 @+$&/$(%#/$'*$8/%5$5')/0$=+6$2%./$1+$&/$<'55'*($1+$1%>/$12'*(7$%7$12/=$4+#/$%*3$8+55$ <'12$12/$;6*42/79$K2/*$5')/$('./7$=+6$5/#+*70$7/1$6;$%$5/#+*$(/5%1+$71%*3$'*$LM$ %*3$#%>/$#'55'+*7$+)$3+55%879$ :KHQ\RXUSODQVDUHZD\ODLGðQGMR\LQWKHDGYHQWXUH'RWKLVDQG\RXâOOQHYHUEH 3'7%;;+'*1/3$%*3$5')/$<'55$&/$)655$+)$/J4'1'*($768;8'7/7%&'
()*+,!-"#.,/
N!1$3+/7*"1$#%11/8$<2%1$=+6"8/$3+'*(0$'1$#%11/87$2+<$=+6"8/$3+'*($'19O !"#$%&#'#() :FK$@F$HP$QPRMQSMHLP$T$UFL!V$KQ!B:@$T$PW!LPL!XP-@CLP9UFR!"#$%&%'!(!
,ðQGWKDWPRVWUHODWLRQVKLSVEHWZHHQSHRSOHDUHDZKROHORWPRUHFRPSOLFDWHGWKDQ !"#$%&##'%!(%)#*%+(%,(-#.%!"#%/0&'%(1%2#34!0(&,"05%!"#$62#%0&%0,%75%1(2%'#)4!#%8!"0,%"4,% )#9(-#%-(2#%():0(7,%,0&9#%!"#%0&937,0(&%(1%;<!6,%=(-53094!#'6%4,%4&%(5!0(&%0&%!"#% 5HODWLRQVKLS6WDWXVð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ñLFW" K(7%'(&6!%&##'%!"4!%/0&'%(1%'24-4J301#6,%!((%,"(2!*)*+
#,&'-.!/$#,01$20
LM4&%0,%4%/&(!%0&!(%A"09"%2#34!0(&,"05,%42#%!0#'*N !"#$%&#'()'(*+&#$!,-./0123(45&67$($%("11+8 DOP%+O%QR%SRM@ST@QUR%I%=OU<H%PS<VD+%I%RW<URU<>RX+KUR*=OM!"#$"%&'()*(&+,
!"#$%&#'%()*#+(%,#,-.*#/*#/01#*-2#3425/02#%"#*-2#67897#:4/(;/3<2#/0#*-.*#.=%&*#67# 324;2(*#%"#$%&4#420&<*0#;%52#"4%5#.=%&*#97#324;2(*#%"#$%&4#2""%4*>#?-/0#52.(0#*-.*# DYHU\VLJQLð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ð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
)UHTXHQFLHVRIZRUGVLQORQJHUWH[WVWKHVL]HRIKXPDQVHWWOHPHQWVðOHVL]H GLVWULEXWLRQRI,QWHUQHWWUDIðFZKLFKXVHVWKH7&3SURWRFROFOXVWHUVRI%RVH (LQVWHLQFRQGHQVDWHQHDUDEVROXWH]HURWKHYDOXHRIRLOUHVHUYHVLQRLOðHOGV *-2#<2(@*-#'/0*4/=&*/%(#/(#D%=0#.00/@(2'#*%#0&324;%53&*2401#*-2#0*.('.4'/J2'# 34/;2#42*&4(0#%(#/('/A/'&.<#0*%;+01#0/J2#%"#0.('#3.4*/;<201#0/J2#%"#52*2%4/*20> !"#$%&#&'(#)&'*+,-. KLM#?L#NO#POQRPSRNTO#8#ULT!V#MP!WK?#8#OX!TOT!YOZ?[TO>ULQ!"#$%%&'(&"!)
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ðQLWHO\KROGLQJPHEDFNDQG,âPDPXFKEHWWHUSHUVRQIRUNLFNLQJWKHKDELW I2)*"/*0*'(0#/*+%*0-)+2$-4J*@+*90)*-%+*"/*$99/.$0+/()*2039A&(*F/'6/1$0(()*$-*+2/* 10'/*%A*+2/*6%'$+$#/*0..$1+$%-'G;*"&+*$-*+2/*(%-4<+/39*0-)*0..$1+$%-*$'*0*"0.*0..$1+$%-* 0-.*10-*?//6*)%&*A3%9*012$/#$-4*)%&3*4%0('*0-.*+2/*($A/*)%&*C$'2*+%*20#/7*+,
"!#$%%&'(&"!
KL#/3)*A%39*%A*0..$1+$%-*$'*"0.;*-%*90++/3*C2/+2/3* +2/*-031%+$1*"/*0(1%2%(*%3*9%362$-/*%3*$./0($'97M !"#$%&'()*#+&,(-. N!I*8!*OL*PLD>PQ>ORL*S*T!R@U*IP@VN8*S*LW@RLR@XLY8ZRL7T!D!"#$%#&'&(""#$
)#&*'+(,"$-.)'.($%
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âVUHDOO\MXVWDQDZHVRPHZRUGRQWKHñRRUú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
!"#$%#&'()""#$'"*&$'+#&,'-)*"$./0'1)$%2'3'4/)5'%63%'0)7*$.$')&'%#8$'0)"'8"37%#73/' /#0.$%9/.',.$#5&'0"):'%6.'8."$8.7%#;.')0'3&'.:)%#)&3/2'7".3%#;.'8."$)&< +)//)='6."')&'>=#%%."'3&,'+37.4))?< ZOG$=O$BA$WASUWRUBIA$[$\OI4P$GW4FZ=$[$A]4IAI4KAN=!IA2\OSYOUR WEBSITE
Okay [email protected], it’s time you got up to date and became an active player in your own life. It’s time to take Brand You to the next level and produce a resource that explains your ins-and-outs.
It’s time you got a website, and there’s never been a better time to make one.
Why would you want a website? It’s the window to who you are that faces the public. As people go window-shopping, Googling your name, what will come up? Will it be a newspaper article of you being brought in on a DUI? I hope not. But you won’t know for sure unless you take that space and make it your own. If your personal website is QRWRQWKHðUVWSDJHZKHQVRPHRQH*RRJOHâV\RXUQDPH\RXQHHGWRFUHDWHPRUH content pronto.
A big part of that content is your website. By creating a website/blog, even through a free service like Blogger or Wordpress, you’ll automatically be in charge of where the conversation about you goes. You can write about what you want and if you stick to topics related to your personal brand you might rank for those as well.
At the very least, a website provides an online base that someone you met at a party RUDWDEXVLQHVVPHHWLQJRUZKHUHYHUFDQðQG\RXDWDIWHUWKHIDFW,WVD\VWRWKH world, ‘I take what I do seriously. Seriously enough to get my own website and beat those uncomfortable newspaper articles down in the rankings. Booya.’
028
ON PERSONAL WEBSITES
“Looking at the proliferation of personal web pages on the Net, it looks like very soon everyone on Earth will have 15 megabytes of fame.”
-MG Sriram