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K`h`kuk Ttbhjbrjs cor Wr`or`t`zbt`oh bhj Lbhja`hiNorrowmr C`ams Tunemdt to @kk`hmht Cormdaosurm TbamOpmrbt`hi stbhjbrjs cor sdlmjuamj cormdaosurm sbamsBpr`a 20! >724

Zlm k`h`kuk stbhjbrjs smt cortl `h tl`s iu`jbhdm rmcamdt souhj nus`hmss prbdt`dm tlbt slouajnm pbrt oc b kortibim smrv`dmr)s ohio`hi doaamdt`ohs! aoss k`t`ibt`oh bhj cormdaosurmprodmss`hi cuhdt`ohs( Bddorj`hiay! tlm ODD rmqu`rms tlbt baa hbt`ohba nbhfs bhj cmjmrbasbv`his bssod`bt`ohs ,doaamdt`vmay! .nbhfs. tlbt smrv`dm rms`jmht`ba kortibim aobhs`hdorporbtm tlm iu`jbhdm `hto tlm`r ohio`hi nus`hmss prodmssms(b`aurm to dokpay w`tl tl`siu`jbhdm kby rmsuat `h uhsbcm bhj uhsouhj nbhf`hi prbdt`dms! hoh+dokpa`bhdm w`tlcormdaosurm rmabtmj dohsmht orjmrs! bs bppa`dbnam! bhj/or rmqu`rm rmsd`ss`oh oc dokpamtmjcormdaosurms(Wurposm Zl`s iu`jbhdm mstbna`slms k`h`kuk stbhjbrjs cor tlm lbhja`hi bhjpr`or`t`zbt`oh oc norrowmr c`ams tlbt brm sunemdt to `kk`hmht ,w`tl`h

37 jbys sdlmjuamj cormdaosurm sbams( Zlm purposm oc tl`siu`jbhdm `s to mhsurm tlbt norrowmrs w`aa hot aosm tlm`rlokms w`tlout tlm`r c`ams rmdm`v`hi prm+cormdaosurm sbamrmv`mws dohjudtmj uhjmr tlm stbhjbrjs a`stmj `h tl`siu`jbhdm! wl`dl baso lmap mhsurm aobh koj`c`dbt`ohs wmrmdohs`jmrmj bs bppropr`btm(Nbhf smrv`dmrs oc rms`jmht`ba kortibims slouaj usm tlmsm rmv`mwbhj vba`jbt`oh stbhjbrjs to jmtmrk`hm wlmtlmr b sdlmjuamjcormdaosurm sbam slouaj nm postpohmj! suspmh jmj or dbhdma amj jumto dr`t`dba cormdaosurm jmcmdts `h tlm norrowmr)s c`am( Zlmsmk`h`kuk rmv`mw dr`tmr`b brm `htmhjmj to mhsurm b amvma ocdohs`stmhdy bdross smrv`dmrs! hot to suppabht rmv`mw bhj vba`jbt`ohprodmjurms tlbt io nmyohj tlmsm k`h`kuks( Tmrv`dmrs tlbtdurrmhtay bppay korm tlbh tlmsm k`h`kuk stbhjbrjs bs pbrt octlm`r owh prm+cormdaosurm sbam rmv`mw bhj vba`jbt`oh prodmjurms brmmxpmdtmj to doht`hum to jo so(Zlmsm stbhjbrjs brm hot `htmhjmj to `hdorporbtm tlm c`hba ruamsbkmhj`hi ^miuabt`oh \ bhj ^miuabt`oh U `ssumj ny tlm DCWN ohEbhubry 29! >724! bhj mccmdt`vm oh Ebhubry 27! >72:! wl`dl iovmrhkortibim smrv`dmrs) aoss k`t`ibt`oh bhj cormdaosurm prodmss`hicuhdt`ohs( Zlm ODD mxpmdts tlbt baa smrv`dmrs w`aa uhjmrtbfmbppropr`btm bdt`oh `h b t`kmay kbhhmr to mhsurm tlm`r prbdt`dms w`aanm dokpa`bht w`tl tlm hmw ruams ny tlm mccmdt`vm jbtm(

Ovmrv`mw Nbhf smrv`dmrs oc rms`jmht`ba kortibims slouaj koh`tor baa norrowmrc`ams `h tlm cormdaosurm prodmss bt ambst wmmfay to jmtmrk`hm `ccormdaosurm sbams brm sdlmjuamj w`tl`h tlm hmxt 37 jbys( Zlm

K`h`kuk Ttbhjbrjs cor Wr`or`t`zbt`oh bhj Lbhja`hiNorrowmr C`ams Tunemdt to @kk`hmht Cormdaosurm TbamOpmrbt`hi stbhjbrjs co r sdlmjuamj cormdaosurm sbamsBpr`a20! >724

Zlm k`h`kuk stbhjbrjs smt cortl `h tl`s iu`jbhdm rmc amdt souhj nus`hmss prbdt`dm tlbt slouajnm pbrt oc b kortibim smrv`dmr)s ohio`hi doaamdt`ohs! aoss k`t`ibt`oh bhj cormdaosurmprodmss`hi cuhdt`ohs( Bddorj`hiay! tlm ODD rmqu`rms tlbt baa hbt`ohba nbhfs bhj cmjmrbasbv`his bssod`bt`ohs ,doaamdt`vmay! .nbhfs. tlbt smrv`dm rms`jmht`ba kortibim aobhs`hdorporbtm tlm iu`jbhdm `hto tlm`r ohio`hi nus`hmss prodmssms( Cb`aurm to dokpay w`tl tl`siu`jbhdm kby rmsuat `h uhsbcm bhj uhsouhj nbhf`hi prbdt`dms! hoh+dokpa`bhdm w`tlcormdaosurm rmabtmj dohsmht orjmrs! bs bppa`dbnam! bhj/or rmqu`rm rmsd`ss`oh oc dokpamtmjcormdaosurms(

Wurposm Zl`s iu`jbhdm mstbna`slms k`h`kuk stbhjbrjs co r tlm lbhja`hi bhjpr`or`t`zbt`oh oc norrowmr c`ams tlbt brm sunemdt to `kk`hmht ,w`tl`h37 jbys sdlmjuamj cormdaosurm sbams( Zlm purposm oc tl`siu`jbhdm `s to mhsurm tlbt norrowmrs w`a a hot aosm tlm`rlokms w`tlout tlm`r c`ams rmdm`v`hi prm+cormdaosurm sbamrmv`mws dohjudtmj uhjmr tlm stbhjbrjs a`stmj @h tl`siu`jbhdm! wl`dl baso lmap mhsurm aobh koj`c`dbt`ohs wmrmdohs`jmrmj bs bppropr`btm(Nbhf smrv`dmrs oc rms`jmht`ba kortibims slouaj usm tlmsm rmv`mwbhj vba`jbt`oh stbhjbrjs to jmtmrk`hm wlmtlmr b sdlmjuamjcormdaosurm sbam slouaj nm postpohmj! suspmhjmj or dbhdmaamj jumto dr`t`dba cormdaosurm jmcmdts `h tlm norrowmr)s c`am( Zlmsmk`h`kuk rmv`mw dr tmr`b brm `htmhjmj to mhsurm b amvma ocdohs`stmhdy bdross smrv`dmrs! hot to suppabht rmv`mw bhj vba`jbt`ohprodmjurms tlbt io nmyohj tlmsm k`h`kuks( Tmrv`dmrs tlbtdurrmhtay bppay korm tlbh tlmsm k`h`kuk stbhjbrjs bs pbrt octlm`r owh prm+cormdaosurm sbam rmv`mw bhj vba`jbt`oh prodmjurms brmmxpmdtmj to doht`hum to jo so(Zlmsm stbhjbrjs brm hot @htmhjmj to `hdorporbtm tlm c`hba ruamsbkmhj`hi ^miuabt`oh \ bhj ^miuabt`oh z `ssumj ny tlm DCPN ohEbhubry 29! >724! bhj mccmdt`vm oh Ebhubry 27! >72:! wl`dl iovmrhkortibim smrv`dmrs) aoss k`t`ibt`oh bhj cormdaosurm prodmss`hicuhdt`ohs( Zlm ODD mxpmdts tlbt baa smrv`dmrs w`aa uhjmrtbfmbppropr`btm bdt`oh `h b t`kmay kbhhmr to mhsurm tlm`r prbdt`dms w`aanm dokpa`bht w`tl tlm hmw ruams ny tlm mccmdt`vm jbtm(

Ovmrv`mw Nbhf smrv`dmrs oc rms`jmht`ba kortibims slouaj koh`tor baa norrowmrc`ams `h tlm cormdaosurm prodmss bt ambst wmmfay to jmtmrk`hm ` ccormdaosurm sbams brm sdlmjuamj w`tl`h tlm hmxt 37 jbys( Zlm

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smrv`dmr slouaj kpamkmht prodmjurms to pmrcork bhj jodukmht bt`kmay prm+cormdaosurm sbam rmv`mw bddorj`hi to tlm dr`tmr`b smt out `htl`s iu`jbhdm bhj bppropr`btmay postpohm! suspmhj or dbhdma tlmsdlmjuamj cormdaosurm sbam wlmh wbrrbhtmj(Zlm smrv`dmr w aa prokptay jmtmrk`hm wlmtlmr tlm norrowmr `sdurrmhtay `h bh bdt vm aoss k t ibt oh proirbk or `s nm`hi bdt vmaydohs`jmrmj cor or lbs rmqumstmj dohs`jmrbt oh uhjmr tlm Kbf`hiLokm Bccorjbnam Koj c dbt oh Wroirbk ,LBKW or otlmr koj c dbt ohor aoss k`t`ibt`oh proirbk bs curtlmr jmc`hmj `h stbhjbrj huknmr 0nmaow! bhj wlmtlmr curtlmr cormdaosurm prodmmj`his bhj/or tlmsdlmjuamj cormdaosurm sbam slouaj nm postpohmj! suspmhjmj ordbhdmaamj bs rmqu`rmj ny proirbk stbhjbrjs bs bppa dbnam(Zlm coaaow`hi stbhjbrjs brm b hoh+mxlbust vm a st oc dr tmr`b corwl`dl bh mxdmpt oh wouaj wbrrbht postpohmkmht! suspmhs`oh ordbhdmaabt oh oc b cormdaosurm sbam uht a tlm K`h`kuk Wrm+Cormdaosurm Tbam ^mv`mw Ttbhjbrjs brm sbt`sc`mj( Bs hotmj bnovm!`hj`v`juba smrv`dmrs kby bppay bjj`t ohba stbhjbrjs/dr`tmr`b topostpohm! suspmhj or dbhdma b cormdaosurm sbam(Bhy hmibt`vm rmspohsm to tlm k`h`kuk stbhjbrjs jmtb amj h tl`siu`jbhdm w aa nm dohs`jmrmj b dr`t`dba jmcmdt ,mxdmpt cor stbhjbrjhuknmr 9 wlmrm b pos`t`vm rmspohsm s b jmcmdt bhj dbusm topostpohm! suspmhj or dbhdma b sdlmjuamj cormdaosurm sbam(@hjmpmhjmht dohtroa cuhdt ohs ,sudl bs buj t! dokpa bhdm! bhj r`sfkbhbimkmht slouaj dohc rk bhj jodukmht smrv`dmr bjlmrmhdm totlm`r owh smrv`d`hi stbhjbrjs/dr tmr`b bhj tlm stbhjbrjs jmsdr`nmj `htl`s jodukmht tlrouil b proirbk oc koh tor`hi! sbkpa hi bhjtmst`hi oc sdlmjuamj bhj dokpamtmj cormdaosurm sbams(

K`h`kuk Wrm+Cormdaosurm Tbammv mwTtbhjbrjsJbtm oc tlm sdlmjuamj cormdaosurm sbam5Ohdm tlm jbtm oc cormdaosurm `s mstbna slmj! tlm smrv`dmr hmmjs todohc rk tlm coaaow`hi hcorkbt oh nmcorm cormdaos`hi52( @s tlm aobh)s jmcbuat stbtus bddurbtm?>( Joms tlm smrv`dmr lbvm bhj dbh jmkohstrbtm tlm bppropr`btm

amiba butlor`ty to cormdaosm ,jodukmhtmj bss`ihkmhts! hotmmhjorsmkmhts! bhj otlmr hmdmssbry amiba jodukmhtbt`oh! bsbppa dbnam?

4( Lbvm rmqu`rmj cormdaosurm hot dms or otlmr rmqu`rmjdokkuh`dbt`ohs to tlm norrowmr or otlmrs! bs bppa dbnam! nmmhprov`jmj h b t kmay kbhhmr?

:( Lbs tlm smrv`dmr tbfmh baa stmps hmdmssbry to dohc`rk wlmtlmr tlmnorrowmr! do+norrowmr! bhj baa ona iors oh tlm kortibim! trust

smrv`dmr slouaj `kpamkmht prodmjurms to pmrcork bhj jodukmht bt`kmay prm+cormdaosurm sbam rmv`mw bddorj`hi to tlm dr`tmr`b smt out `htl`s iu`jbhdm bhj bppropr`btmay postpohm! suspmhj or dbhdma t(lmsdlmjuamj cormdaosurm sbam wlmh wbrrbhtmj(Zlm smrv`dmr w`aa prokptay jmtmrk`hm wlmtlmr tlm norrowmr `sdurrmhtay `h bh bdt`vm aoss k`t`ibt`oh proirbk or `s nm`hi bdt`vmaydohs`jmrmj cor or lbs rmqumstmj dohs`jmrbt`oh uhjmr tlm Kbf`hiLokm Bccorjbnam Koj`c`dbt`oh Wroirbk ,LBKW or otlmr koj`c`dbt`ohor aoss k`t`ibt`oh proirbk bs curtlmr jmc`hmj `h stbhjbrj huknmr 0

K`h`kuk Wrm-Cormdaosurm Tbam^mv`mwTtbhjbrjs

nmaow! bhj wlmtlmr curtlmr cormdaosurm prodmmj`his bhj/or tlmsdlmjuamj cormdaosurm sbam slouaj nm postpohmj! suspmhjmj ordbhdmaamj bs rmqu`rmj ny proirbk stbhjbrjs bs bppa`dbnam(Zlm coaaow`hi stbhjbrjs brm b hoh+mxlbust`vm a`st oc dr`tmr`b corwl`dl bh mxdmpt`oh wouaj wbrrbht postpohmkmht! suspmhs`oh ordbhdmaabt`oh oc b cormdaosurm sbam uht`a tlm K`h`kuk Wrm-Cormdaosurm Tbam ^mv`mw Ttbhjbrjs brm sbt`sc`mj( Bs hotmj bnovm!`hj`v`juba smrv`dmrs kby bppay bjj`t`ohba stbhjbrjs/dr`tmr`b topostpohm! suspmhj or dbhdma b cormdaosurm sbam(Bhy hmibt`vm rmspohsm to tlm k`h`kuk stbhjbrjs jmtb`amj `h tl`siu`jbhdm w`aa nm dohs`jmrmj b dr`t`dba jmcmdt ,mxdmpt co r stbhjbrjhuknmr 9 wlmrm b pos`t`vm rmspohsm `s b jmcmdt bhj dbusm topostpohm! suspmhj or dbhdma b sdlmjuamj cormdaosurm sbam(@hjmpmhjmht dohtroa cuhdt`ohs ,sudl bs buj`t! dokpa`bhdm! bhj r`sfkbhbimkmht slouaj dohc`rk bhj jodukmht smrv`dmr bjlmrmhdm totlm`r owh smrv`d`hi stbhjbrjs/dr`tmr`b bhj tlm stbhjbrjs jmsdr`nmj `htl`s jodukmht tlrouil b proirbk oc koh`tor`hi! sbkpa`hi bhjtmst`hi oc sdlmjuamj bhj dokpamtmj cormdaosurm sbams(Jbtm oc tlm sdlmjuamj cormdaosurm sbam5 _______

Ohdm tlm jbtm oc cormdaosurm `s mstbna`slmj! tlm smrv`dmr hmmjs todohc`rk tlm coaaow`hi `hcorkbt`oh nmcorm cormdaos`hi52( @s tlm aobh)s jmcbuat stbtus bddurbtm?>( Joms tlm smrv`dmr lbvm bhj dbh jmkohstrbtm tlm bppropr`btm amiba butlor`ty to cormdaosm ,jodukmhtmj bss`ihkmhts! hotm mhjorsmkmhts! bhj otlmr hmdmssbry amiba jodukmhtbt`oh! bs bppa`dbnam? 4( Lbvm rmqu`rmj cormdaosurm hot`dms or otlmr rmqu`rmj dokkuh`dbt`ohs to tlm norrowmr or otlmrs! bs bppa`dbnam! nmmh prov`jmj `h b t`kmay kbhhmr? :( Lbs tlm smrv`dmr tbfmh baa stmps hmdmssbry to dohc`rk wlmtlmr tlmnorrowmr! do+norrowmr! bhj baa ona`i_ors oh tlm kortibim! trust

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jmmj! or otlmr smdur`ty `h tlm hbturm oc b kortibim brm mht`tamj toprotmdt`ohs uhjmr tlm Tmrv`dmkmknmrs D`v`a ^ma`mc Bdt ,TD^B!`hdauj`hi ruhh`hi qumr`ms tlrouil tlm Jmpbrtkmht oc Jmcmhsmjbtbnbsm? @c tlm norrowmr! do+norrowmr! or otlmr ona`ior `ssunemdt to TD^B protmdt`ohs! lbs tlm smrv`dmr dokpa`mj w`tl baabppa`dbnam amiba rmqu`rmkmhts to cormdaosm?

=( Jmtmrk`hm wlmtlmr tlm norrowmr `s `h bh bdt`vm nbhfruptdy( @cso! joms tlm smrv`dmr lbvm jodukmhtmj amiba butlor`ty tocormdaosm?

3( Jmtmrk`hm wlmtlmr tlm aobh `s durrmhtay uhjmr aoss k`t`ibt`oh orotlmr rmtmht`oh rmv`mw or sudl rmv`mw lbs nmmh rmqumstmj ny tlmnorrowmr bs pbrt oc tlm cormdaosurm prodmss( @c so! j`j tlmsmrv`dmr hot`cy tlm norrowmr tlbt baa dohj`t`ohs hmdmssbry to mccmdttlm aoss k`t`ibt`oh or rmtmht`oh bdt`oh lbvm hot nmmh kmt! wlbt `shmmjmj to kmmt tlosm dohj`t`ohs! bhj tlm jbtm hmdmssbry to durmtlm jmc`d`mhd`ms to bvo`j curtlmr cormdaosurm bdt`oh? @c b norrowmrsunk`ttmj b dokpamtm aobh koj`c`dbt`oh bppa`dbt`oh bctmr tlmcormdaosurm rmcmrrba! j`j tlm smrv`dmr dokpay w`tl bhy bppa`dbnamjuba trbdf rmstr`dt`ohs?

9( @s tlm norrowmr durrmhtay `h bh bdt`vm tr`ba aoss k`t`ibt`oh pabh?

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22( Ybs tlm koj`c`dbt`oh jmd`s`oh dorrmdt bhj vba`jbtmj bs rmqu`rmjny tlm bppa`dbnam koj`c`dbt`oh proirbk ,to `hdaujm! bs bppa`dbnam!dokpa bhdm w`tl proirbk rmqu`rmkmhts bhj bddurbdy ocdbaduabt`ohs bhj bppa`dbt`oh oc tlm HWS tmst baohi w`tlbppropr`btm rmsoaut oh bhj dokkuh`dbt oh oc bhy norrowmrdokpab`ht! bppmba! or msdbabt`oh?

2>( Ybs tlm norrowmr or tlm norrowmr)s rmprmsmhtbt`vm ,lous`hidouhsmaor or bttorhmy hot`c`mj oc tlm aobh koj`c`dbt`oh jmd`s`ohbhj rbt`ohbam bs rmqu`rmj ny proirbk or poa`dy iu`jma`hms?

24( @c rmqu`rmj ny b ITM or otlmr `hvmstor! lbs tlm smrv`dmr dmrt`c`mjto tlm bttorhmy dohjudt`hi tlm cormdaosurm tlbt baa jma`hqumhdykbhbimkmht rmqu`rmkmhts lbvm nmmh kmt! `hdauj`hi tlbt tlmrm `shm`tlmr bh bpprovmj pbykmht pabh brrbhimkmht hor b cormdaosurmbatmrhbt`vm occmr pmhj`hi or bddmptmj?

22( Ybs tlm koj`c`dbt`oh jmd`s`oh dorrmdt bhj vba`jbtmj bs rmqu`rmjny tlm bppa`dbnam koj`c`dbt`oh proirbk ,to `hdaujm! bs bppa`dbnam!dokpa`bhdm w`tl proirbk rmqu`rmkmhts bhj bddurbdy ocdbaduabt`ohs bhj bppa`dbt`oh oc tlm HWS tmst) baohi w`tlbppropr`btm rmsoaut`oh bhj dokkuh`dbt`oh oc bhy norrowmrdokpab`ht! bppmba! or msdbabt`oh?2>( Ybs tlm norrowmr or tlm norrowmr)s rmprmsmhtbt`vm ,lous`hi

douhsmaor or bttorhmy hot`c`mj oc tlm aobh koj`c`dbt`oh jmd`s`ohbhj rbt`ohbam bs rmqu`rmj ny proirbk or poa`dy iu`jma`hms?24( @ c rmqu`rmj ny b ITM or otlmr `hvmstor! lbs tlm smrv`dmr dmrt`c`mjto tlm bttorhmy dohjudt`hi tlm cormdaosurm tlbt baa jma`hqumhdy

kbhbimkmht rmqu`rmkmhts lbvm nmmh kmt! `hdauj`hi tlbt tlmrm `shm`tlmr bh bpprovmj pbykmht pabh brrbhimkmht hor b cormdaosurmbatmrhbt`vm occmr pmhj`hi or bddmptmj?