Commerce – Vegan Light Chocolate Nowhey http://veganlightchocolatenowhey.com/ Fri, 24 Sep 2021 04:22:59 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 https://veganlightchocolatenowhey.com/wp-content/uploads/2021/04/cropped-icon-32x32.png Commerce – Vegan Light Chocolate Nowhey http://veganlightchocolatenowhey.com/ 32 32 KB Kookmin Card completes purchase of stake from Thai lender https://veganlightchocolatenowhey.com/kb-kookmin-card-completes-purchase-of-stake-from-thai-lender/ Tue, 23 Mar 2021 05:55:13 +0000 https://veganlightchocolatenowhey.com/kb-kookmin-card-completes-purchase-of-stake-from-thai-lender/

Credit card issuer KB Kookmin Card announced on February 1 that it has completed the acquisition of a controlling stake in J Fintech, a Bangkok-based lending provider, accelerating the pace of Asia market infiltration. from the South East.

With the latest acquisition, the credit card business becomes the first South Korean company to officially enter the Thai lending industry.

The card company has invested 24 billion won ($ 21.5 million) to acquire the 50% stake in the Thai lender, while the remaining 50% will belong to Jay Mart, a mobile phone distributor and debt collector in the local market.

The Korean company will take control of the lending company as it will hold 50.99 percent of the voting rights. The company said it would be able to sell financial products through Jay Mart’s 400 cell phone retail stores across Thailand. The acquisition came after the card issuer signed a repurchase agreement with Jay Mart in April last year.

“The company now operates four local businesses and a regional office in five Southeast Asian countries – Thailand, Cambodia, Indonesia, Laos and Myanmar,” a company official said, adding that ‘she would try to make the Thai company a top lender. business in the local market.

Seeking new business opportunities in Asia, the credit card operator acquired financial and banking companies in the region, including a Cambodian bank in 2018 and a finance company in Indonesia last year.

THE KOREA HERALD / ASIA INFORMATION NETWORK

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HSBC sparks anger by restarting plans to cut 35,000 jobs https://veganlightchocolatenowhey.com/hsbc-sparks-anger-by-restarting-plans-to-cut-35000-jobs/ Tue, 23 Mar 2021 05:55:13 +0000 https://veganlightchocolatenowhey.com/hsbc-sparks-anger-by-restarting-plans-to-cut-35000-jobs/

HSBC angered staff by rekindling plans to cut 35,000 jobs just months after suspending the drastic overhaul due to the coronavirus pandemic.

Union officials fought back after managing director Noel Quinn sent a long note to the bank’s 235,000 employees at 6 a.m. on Wednesday, saying “we couldn’t put the layoffs on hold indefinitely – it was always a question of “not if, but when” “.

Dominic Hook, the national Unite officer, said the move was “extremely concerning”, adding that “the question that needs to be asked today is” why now HSBC? “” given the sacrifices staff are currently making to deal with the pandemic.

The massive layoff plan was announced in February as part of a $ 4.5bn (£ 3.5bn) cost-cutting drive, then postponed two months later due to the pandemic, the bank saying it “would have been wrong” to let the employees go then.

However, as economic forecasts point to a tough time ahead, Mr Quinn said the bank had taken over the program and asked senior executives to cut costs in the second half of the year. First quarter profits fell 48% from the previous year.

“I wish I could say that the next few months will see a return to normal, but that is unlikely to be the case,” Quinn said. “The reality is that the measures and the change we announced in February are even more needed today.”

Staff have been told they will be placed in alternate roles where possible, although Mr Quinn said he “didn’t want to promise too much” as some will have to go. Unite said it plans to oppose any mandatory job cuts.

In February, analysts predicted 15,000 roles would go to Britain, many of them at the lender’s headquarters in Canary Wharf – nicknamed the “Tower of Doom” by some staff.

The move comes a month after HSBC rival Deutsche Bank, another of the city’s biggest employers, said it was pursuing plans to cut 18,000 jobs despite the coronavirus pandemic.

It also comes as HSBC is embroiled in a political storm that worsens after support an authoritarian crackdown in Hong Kong.

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KMRC will start lending to shareholders and clients at the end of September https://veganlightchocolatenowhey.com/kmrc-will-start-lending-to-shareholders-and-clients-at-the-end-of-september/ Tue, 23 Mar 2021 05:55:13 +0000 https://veganlightchocolatenowhey.com/kmrc-will-start-lending-to-shareholders-and-clients-at-the-end-of-september/

UKulima Sacco President Dr Philip Cherono (right), KMRC CEO Johnson Oltetia (second left) and UKulima Sacco CEO Richard Nyaanga (left) at the mortgage product launch.

The Kenya Mortgage Refinance Company (KMRC), a treasury-backed lender, which provides banks and Saccos with liquidity for subsequent loans to households, will begin providing loans at the end of this month.

The institution’s chief executive, Johnstone Oltetia, has confirmed that shareholders will advance at 5% to allow them to advance to their clients at rates higher but below 12% of current market mortgage rates.

“From the start, we have put in place finance to meet market demands to provide loans to partners and clients to enable them to acquire affordable housing at cheap rates. We will announce the first loan by the end of September, ”Oltetia said.

The lender he confirmed has so far recruited 20 major mortgage lenders (PML), Cooperative Bank, DTB, HF Group, NCBA, Absa Kenya, Stanbic and Credit Bank, International Finance Corporation (IFC) and Housing in Africa ( Shelter Afrique).

Kenya Women Microfinance Bank (KWFT) is the sole shareholder of MFB (Micro Finance Bank), while SACCO shareholders include Kenya Police, Mwalimu National, Safaricom, Ukulima, Bingwa, Imarisha, Unaitas, Imarika, Tower, Stima and Harambee.

Speaking at the launch of Ukulima Sacco’s new mortgage products at a Nairobi hotel, Oltetia said his institution is committed to working together to reduce the huge housing supply gap and thereby enable Kenyans to become homeowners.
UKulima Sacco Chairman Philip Cherono said the developed mortgage product was recently approved by the Sacco Societies Authority (SASRA).

“SACCOs continue to play an important role in the construction of housing and in raising funds for the purchase of land to build housing in addition to raising capital for housing development. As you know, Kenya’s SACCO sector is the largest in Africa and is ranked seventh in the world according to the SASRA 2019 financial report. This puts us in a better position to lend to Kenyans at interest rates. affordable interest, almost half of the current market. rate, ”he said.

He added, “Potential buyers will be eligible for mortgages of up to 8 million shillings with a repayment period of up to 20 years. We are very happy today that Ukulima Sacco is a part of this great and noble initiative and the partnership with KMRC supports our mission to strengthen member empowerment through the provision of quality financial services, by providing long-term funding. term and reducing our dependence in the short term. term loans. The funding is expected to bring the number of mortgage accounts to around 2,000 in the first year and to 4,000 by 2022, ”Cherono said.

Sacco CEO Richard Nyaanga said the newly launched mortgage product is a game-changer and will help quench the thirst of the majority of Kenyans who are in desperate need of home ownership.

“We are well aware of the current social and economic difficulties, especially in our industry, and this means that we need to come up with more creative and aggressive business ideas,” Nyaanga said.

According to the state housing department, there is already a backlog of two million housing units and the accumulation is increasing by 150,000 units each year due to several factors, including the limited availability of mortgage finance and financing. development.

Sacco has also initiated cardless transactions with PESALINK through the family bank and instant printing of ATM cards through the cooperative bank.

KMRC, confirmed Oltetia, has so far mobilized nearly 40 billion shillings, including 2.2 billion shillings in equity, 25 billion shillings committed by the World Bank and 10 billion shillings from the African Development Bank. (ADB).

“In addition, we plan to raise an additional 5 billion shillings through the issuance of a green bond in the capital markets next year, as well as exploring other local and international sources. Adequate funding will allow us to increase mortgage accounts in the country by 130.7%, from the current 26,504 mortgage accounts to 60,000 loan accounts by 2022, ”he added.

According to data from the Central Bank of Kenya (CBK), commercial banks in Kenya had only 26,504 mortgage accounts on their books worth 224.8 billion shillings at the end of 2018.

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Former chief of China’s top state lender Xiaomin executed for corruption https://veganlightchocolatenowhey.com/former-chief-of-chinas-top-state-lender-xiaomin-executed-for-corruption/ Tue, 23 Mar 2021 05:55:13 +0000 https://veganlightchocolatenowhey.com/former-chief-of-chinas-top-state-lender-xiaomin-executed-for-corruption/

Lai Xiaomin, the former head of China’s largest state-owned asset management company, was executed on Friday after a court sentenced him to death on corruption charges involving $ 276 million and bigamy.

The Tianjin Municipal Second Intermediate People’s Court, which sentenced him to death, said earlier in its ruling that between 2008 and 2018, Lai, former chairman of the board of China Huarong Asset Management Co, took improper advantage. of his various positions in the former China Banking. Regulatory Commission and Huarong, among others, to assist certain organizations and individuals with financing, project procurement, business operations, and job promotion or transfer.

In return, he accepted cash and gifts worth more than 1.78 billion yuan (about $ 276 million), according to the verdict.

From late 2009 to January 2018, Lai used his positions to embezzle and extort public funds of more than 25.13 million yuan, in collusion with others. He was also found guilty of bigamy, according to the verdict.

The court ruling said the amount of Lai’s bribes was “particularly huge” and the circumstances were particularly dire, noting that the intent behind his crimes was very bad.

His crimes have caused “great loss” to the interests of the state and the people, he said.

Given the circumstances of his crimes, the court decided that he did not deserve a lenient sentence.

Last week, Chinese President Xi Jinping said corruption remains the biggest risk for the ruling Chinese Communist Party (CCP).

“People deeply feel that in times of storm, they can always count on the strong leadership of the Party and the authority of the CPC Central Committee,” Xi said.

“Corruption, as the biggest risk to Party governance, still exists,” Xi said, addressing the powerful anti-corruption body of the CCP, the Central Commission for Discipline Inspection (CCDI).

He said the old and new types of corruption have become intertwined and corruption is increasingly secretive and complex.

“The struggle between corruption and anti-corruption efforts will continue to exist for a long time to come,” Xi said, hinting that his anti-corruption campaign that made him popular in the country will continue.

“There is no alternative in the fight against corruption, and we must move forward despite the difficulties,” he said.

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Santa Clarita Mortgage Lender Explains Why Real Estate Market Is So ‘Strong’ What It Means For Homebuyers https://veganlightchocolatenowhey.com/santa-clarita-mortgage-lender-explains-why-real-estate-market-is-so-strong-what-it-means-for-homebuyers/ Tue, 23 Mar 2021 05:55:12 +0000 https://veganlightchocolatenowhey.com/santa-clarita-mortgage-lender-explains-why-real-estate-market-is-so-strong-what-it-means-for-homebuyers/

A mortgage lender in Santa Clarita explains why the real estate market is so “strong” despite the current state of the economy, and what it means for those looking to buy a home.

Dave Cantrell of American Family Funding first expressed his belief that homeownership “will bring this economy back to where we were” in the wake of the coronavirus pandemic.

“The real estate market (is) very, very different from what we had in 2008, where the real estate market was really one of the causes of the recession,” Cantrell said. “This time around, I really believe the real estate market is going to be the thing that pulls us out of a recession because the market is still going strong.”

Related: Santa Clarita Mortgage Brokers Discuss Current ‘Incredible’ Interest Rates

One of the reasons for this continued strength is persistently low mortgage interest rates, Cantrell noted.

“Anytime you have a lower interest rate, it increases your ability to buy a home as your affordability index goes up,” he said. “You can afford more with lower interest rates, obviously, because it lowers your payment. “

Another reason the housing market has remained strong is the lack of inventory, according to Cantrell.

“If you look at one of these homes that are currently listed, they get multiple offers very, very quickly because there just aren’t that many homes around,” he said. “We don’t have enough as a country. We are about 1 million under-built homes.

Cantrell went on to explain that these two factors in the housing market mean that there will likely be “a bit more of a challenge” when it comes to buying a home, but there are ways to be. competitive with an offer.

“There are different ways to make your offer more attractive,” he said. “Not just, ‘Hey, we’re going to pay some more. Maybe there are other things there.

Ed. Note: This article is a KHTS Community Spotlight for Funding American Families.

American Family Finance a division of the American Pacific Mortgage Corporation NMLS # 1850

David cantrell NMLS # 1427091 – Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act.

About American Family Funding, Your Resource for Santa Clarita Mortgages

Santa Clarita Mortgage lender American family financing can help make your dream of homeownership come true. A much appreciated mortgage lender in Santa Clarita, American family financing emphasizes community engagement and is committed to giving back wherever possible. A friendly Santa Clarita mortgage advisor will do it first-time buyer have a simple and stress-free experience, even with bad credit or one low down payment. Unlike some mortgage companies in Santa Clarita or some mortgage brokers in Santa Clarita, the mortgage officers at American family financing also specialize in VA loans, reverse mortgages, refinancing and the STAR loan program. If you’re looking for the best mortgage lender in Santa Clarita or a “mortgage lender near me,” contact American Family Funding today.

American family financing
28338, chemin de la Constellation
Office 900
Valencia, CA 91355

(661) 284-1150

info@affloans.com

https://www.youtube.com/watch?v=ue5q_mr10-E&t=697s

American Family Funding, Fred Arnold, Mortgage Companies in Santa Clarita, Mortgage Brokers in Santa Clarita, Santa Clarita Mortgages, Santa Clarita Mortgage Lender, Mortgage Lender in Santa Clarita, Mortgage Lender Near Me, Best Mortgage Lender in Santa Clarita

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Main articles on auto financing in 2020: Impacts of a pandemic https://veganlightchocolatenowhey.com/main-articles-on-auto-financing-in-2020-impacts-of-a-pandemic/ Tue, 23 Mar 2021 05:55:12 +0000 https://veganlightchocolatenowhey.com/main-articles-on-auto-financing-in-2020-impacts-of-a-pandemic/

The COVID-19 pandemic has been the dominant issue affecting the decisions and performance of all auto lenders in 2020, halting manufacturing production and causing multi-month payment deferral programs for consumers and dealers alike.

Here are our top five stories of 2020:

Declining demand spurs Honda, BMW production halts

American Honda and BMW AG were forced to halt manufacturing production in several countries in March due to a pandemic-induced drop in demand. Production issues continued to plague the auto industry for months amid rising COVID-19 cases, sparking inventory issues still felt at the end of the year.

Ally Financial Provides COVID Relief

Ally Financial, which manages an auto loan portfolio of more than $ 80 million, has offered payment deferrals and other help to its reseller and consumer customers during the pandemic. Since March, several auto lenders have offered deferral payment programs to consumers, and many continue to work with customers on a case-by-case basis.

COVID Boosts Demand for Auto Finance Regulation

At the height of the pandemic, worrying debt levels, record defaults and “abusive lender practices in the market” prompted U.S. Senate leaders to demand action from the Consumer Financial Protection Bureau. One of the concerns was that consumers were being harmed by the interest accrued during the term of a payment extension.

Nissan Joins Others in Pandemic Relief Efforts

Nissan Motor Co. and its captive, Nissan Motor Acceptance Corp., joined other auto lenders in March to help consumers with payment extensions on loans and leases. NMAC, based in Franklin, Tennessee, was the ninth-largest auto lender in 2019 with $ 44.7 billion outstanding, according to Big Wheels auto finance data.

Toyota Financial brings floor plan relief

Toyota Financial Services launched relief options for current and new dealership customers negatively impacted by the pandemic in March, including reduced rates on floor plan lines. Captives have supported their dealer partners in 2020 during widespread closures and subsequent losses, caused by COVID-19.

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PayPal is the largest non-bank lender with over $ 54 billion in total assets https://veganlightchocolatenowhey.com/paypal-is-the-largest-non-bank-lender-with-over-54-billion-in-total-assets/ Tue, 23 Mar 2021 05:55:12 +0000 https://veganlightchocolatenowhey.com/paypal-is-the-largest-non-bank-lender-with-over-54-billion-in-total-assets/ Many small businesses around the world depend on alternative finance companies for their capital, with traditional banks often having strict requirements such as a good credit rating.

Non-bank lenders like PayPal aim to be the source of funding for those businesses that often have less stringent requirements.

As of May 2020, PayPal was ranked the 54th largest company by market cap with a market cap of $ 144.3 billion. PayPal is by far the largest non-bank lender with more than $ 54 billion in total assets as of February 2021. PayPal’s total assets alone represent almost 60% of the total assets of the top ten non-bank lenders combined.

COVID-19 pandemic causes sharp increase in monthly active users for PayPal in UK
Monthly active users (MUA) for PayPal had actually been down in the UK since February 2017. That drop was halted by an increase in PayPal’s popularity due to the COVID-19 pandemic and the lockdowns it had experienced. imposed on many developed markets. In the UK, PayPal has grown by around one million MUAs since April 2020, from 2.05 million MUAs to 2.95 million in January 2021.

In the fourth quarter of 2020, PayPal reported 377 million active registered accounts worldwide, a 24% year-over-year increase from the fourth quarter of 2019 (305 million).

2020 was a banner year for PayPal globally
The company also had a banner year in 2020, with digital payment options becoming a popular alternative to traditional physical banks during the pandemic. PayPal’s annual revenue for 2020 grew more than 20% year-over-year to $ 21.45 billion. In the last quarter of 2020 alone, PayPal processed a total payment volume of $ 277 billion, bringing their total payment volume for 2020 to $ 936 billion, almost a third year-on-year growth.
PayPal also made more payments than ever before, increasing 25% year-on-year to 15.4 million transactions in 2020.

Largest non-bank institutions overtake America’s ‘big six’ banks
Non-bank institutions such as PayPal have become an integral part of the economy of more developed markets. In the United States, the market capitalization of four major fintech companies; Visa, Mastercard, PayPal and Square combined for more than $ 1,000 billion. This eclipsed the combined market capitalization of $ 880 billion of traditional “Big Six” banks in America; JPMorgan, Bank of America, Citigroup, Morgan Stanley and Goldman Sachs.

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Crypto Lender Celsius calls on Horizen for proof of concept “proof of reserves” https://veganlightchocolatenowhey.com/crypto-lender-celsius-calls-on-horizen-for-proof-of-concept-proof-of-reserves/ Tue, 23 Mar 2021 05:55:12 +0000 https://veganlightchocolatenowhey.com/crypto-lender-celsius-calls-on-horizen-for-proof-of-concept-proof-of-reserves/

The crypto lender Celsius will be producing a series of experiments over the next few months that would test what it would look like for the company to decentralize some of its operations.

The pillar of centralized finance (CeFi) works with Horizen, a platform that develops and maintains the privacy token ZEN, to take a look at creating a proof of reservations system using Horizen’s zero-knowledge proofs.

“DeFi’s biggest challenge [decentralized finance] is transparency, ”said Nuke Goldstein, chief technology officer at Celsius. “How do we show the world that the numbers we report are real? “

Related: ETH gobbles up more of the Genesis loan book as business companies feast on DeFi summer

The proof of reserves pilot would take the information that appears on the Celsius website and feed it from a Horizen side chain as opposed to internal Celsius servers. The app would initially display customer total assets by coin type and potentially share Celsius transaction data encrypted by Horizen’s unconscious toolkit so as not to reveal customers’ personally identifiable information.

That said, proof of reservations would not give customers a look what part of Celsius’ loan portfolio is unsecured; how much of depositors’ funds were invested in derivative contracts rather than loans; or the amount of collateral given by borrowers that is remortgage (i.e. loaned) by Celsius.

Read more: What the Celsius crypto lender doesn’t tell its depositors

Nic Carter, co-founder of Castle Island Ventures and Coin Metrics, has written extensively on proof of reservations and calls for every cryptocurrency custodian to adopt the transparency measure.

Related: Leaked records suggest crypto lender Babel leveraged user funds in Bitcoin’s desire

“Because I’ve never seen proof of reservations for a lender before, it’s hard to conceptualize what they’re trying to do,” Carter said via email. “ZK proofs for PoR are familiar to me, but they are a little dark. I have never seen them deployed in nature.

Celsius failed to provide a wireframe representation of the concept. CTO Goldstein added:

“The full implementation will automate the tracking of reserves directly from blockchain feeds and maintain the confidentiality of individual accounts so that account data cannot be reverse engineered. ”

The company will first begin offering these solutions on the retail side of its loan portfolio, Goldstein added.

Celsius will also submit these proofs of concept to hackathons in the Celsius community.

“We’re going to present the ideas and the technology so that we can share them with the community and say, ‘Try to find the holes in there, try to find what is wrong,’ Goldstein said. “And if you find something, we’ll pay you for it.”

However, it will be years before customers see these apps in production, Goldstein said.

“It’s a long process, but these phases will bring us closer together,” he said.

Related stories

The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

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Standard Chartered Managing Director Tracy Clarke to Join Alternative Lender Greensill as Non-Executive Director in 2021 https://veganlightchocolatenowhey.com/standard-chartered-managing-director-tracy-clarke-to-join-alternative-lender-greensill-as-non-executive-director-in-2021/ Tue, 23 Mar 2021 05:55:12 +0000 https://veganlightchocolatenowhey.com/standard-chartered-managing-director-tracy-clarke-to-join-alternative-lender-greensill-as-non-executive-director-in-2021/

Alternative lending platform Greensill would have hired Tracy clarke, who served as CEO for Europe, the Americas and the World at Standard Chartered, as a non-executive director.

Clarke will join Greensillof the 2021 Board of Directors following his planned retirement from Standard chartered bank, where she has worked for about 35 years.

Clarke noted:

“I am delighted to join Greensill at this time. I was impressed with the company’s innovative approach to working capital solutions and improving the way businesses and individuals are paid.

Clarke has been a Non-Executive Director (NED) for England Netball for the past five years. She was also NED at BSKYB for over six years, until its acquisition by Comcast in 2018. Additionally, Clarke was a director of TheCityUK and NED at Inmarsat, a satellite operator, until December of last year. .

Maurice Thompson, Chairman of the Board of Greensill, said:

“We are delighted to welcome Tracy to Greensill. She brings a wealth of experience, working at the highest levels within a listed world bank specializing in trade finance. She joins Greensill at an exciting time in our growth trajectory as we continue to accelerate the movement of capital to the real economy where it is needed most. ”

Greensill is notably one of the very few alternative or fintech-focused lenders that have been accredited to assist the Coronavirus Large Business Interruption Loan Scheme (CLBILS). Other fintech lending platforms, including OakNorth and Metro Bank, have also been approved to help disburse funds through CBILS.

In July 2018, Greensill received a $ 250 million investment from private equity firm General Atlantic.

As reported in May 2019, the SoftBank Vision Fund invested $ 800 million in working capital provider Greensill. The company noted at the time that the investment “underscores the value of working capital financing as the most advanced way to provide low-cost capital to businesses large and small, while opening up a new class of business. ‘assets to global investors’.

In October 2019, Softbank, based in Tokyo noted it would invest an additional $ 655 million in Greensill’s operations.

As reported in June 2020, Greensill Capital, a London-based provider of capital finance to businesses and individuals worldwide, announced that it will acquire Colombian company Omni Latam to accelerate the growth and adoption of financial technology solutions innovative in Latin America.

Since its launch in 2011, Greensill has reportedly provided $ 150 billion in financing to more than 8 million customers and suppliers based in more than 175 countries. The volume in the first four months of this year has increased more than twice compared to last year due to the pandemic, the company claims.

Former British Prime Minister David Cameron is a cabinet adviser.

Greensill distributes part of the credit it generates to more than 100 investors. Some of them receive funding through its Germany-based lender, Greensill Bank AG.

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Mortgage rates drop to unprecedented levels | New https://veganlightchocolatenowhey.com/mortgage-rates-drop-to-unprecedented-levels-new/ Tue, 23 Mar 2021 05:55:12 +0000 https://veganlightchocolatenowhey.com/mortgage-rates-drop-to-unprecedented-levels-new/ > 6E65 E @ b]ahT …]]>












Mortgage rates drop to unprecedented levels


A silver lining has emerged from the coronavirus and the economic anxiety people face: Interest rates have fallen to unprecedented levels.

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kAmp86? ED>: 89E DE2CE:> A = 6> 6? E:? 8 G: CEF2 = E @ FCD[ |4r236 D2:5]k ^ Am

kAmy @ 9? t]* @ F? 8[ >@CE8286 3C@<6C 2?5 4@?DF=E2?E 2E y@9? t] * @ F? 8 | @ CE8286:? {27 =:?[ D2:5 E96 =@H :?E6C6DE C2E6D 4@?E:?F6 E@ 492?86 2?5 2C6 32D65 @? E96 2G6C286 9@>6 AFC492D6 AC:46 😕 E96 &]$][ H9:49 😀 >@C6 E92? Sb__[___k^Am

kAm!6@A=6 😕 {FK6C?6 2?5 {24<2H2??2 4@F?E:6D H9@ 92G6 2 >@CE8286 =@2? F?56C S`a_[___ 2?5 H9@ 5@?VE 92G6 2 8@@5 4C65:E D4@C6 H:== ?@E 86E E96 D2>6 =@H C2E6D 2D @E96CD H:E9 >@C6 6IA6?D:G6 9@>6D[ 96 D2:5]k ^ Am

kAmQx7 J @ FC = @ 2? : DF? 56C S`a_[___[ J@F 72== :?E@ 2 5:776C6?E 42E68@CJ[Q *@F?8 D2:5] Qu @ C 2 8 @@ 5 2> @F? E @ 7 9 @> 6 @ H? 6CD:? {FK6C? 6 2? 5 {24 <2H2 ?? 2 4 @ F? E: 6D[ E96:C =@2?D 2C6 F?56C S`a_[___ 2?5 E96JVC6 ?@E 86EE:?8 E96 8C62E C2E6D @E96CD 2C6 D66:?8] % 96C6 2C6 A = 6? EJ @ 7 = @ 2? DF? 56C S`__[___ 2?5 E96JVC6 ?@E 86EE:?8 E96 8C62E C2E6D J@F D66 @? %']Qk ^ Am

kAm * @ F? 8[ H9@ 92D 366? 😕 E96 >@CE8286 :?5FDECJ 7@C a_ J62CD 2?5 92?5=6D 23@FE fd >@CE8286 =@2?D 6249 J62C[ D2:5 96 92D 366? 7@4FD65 @? 86EE:?8 9:D 4=:6?ED E96 36DE C2E6D E96J 42? 86E] w6 96 = AD 9: D 4 =: 6? ED 7: I 2? 5 2? 2 = JK6 E96: C 4C65: E C6A @ CED 2? 5 86E E96> @? E96 C: 89E EC24 <]k ^ Am

kAmQtG6CJ3 @ 5JVD D: EF2E: @? : D 5: 776C6? E[Q *@F?8 D2:5]k ^ Am

kAm (9: = 6> @ CE8286 C2E6D 92G6 72 == 6? 2D 2 C6DF = E @ 7 E96 64 @? @>: 4:> A24E 7C @> E96 4 @ C @? 2G: CFD 4C: D: D[ *@F?8 D2:5 96 E9:?<D E96 A2?56>:4 4@F=5 42FD6 AC@3=6>D 7@C 2C62 C62=E@CD H9@D6 @77:46D 2C6 ?@H D9FE 5@H?]k ^ Am

kAmp C646? E DFCG6J 7C @> E96} 2E: @? 2 = pDD @ 4: 2E: @? @ 7 # 62 = E @ CD D2: 5 “ T @ 7 286? ED:? 5: 42E65 2 C65F4E: @? 😕 3FJ6C EC277: 4 2? 5 ft C6A @ CE65 = @ H6C D6 == 6C EC277: 4 H96? 2D<65 23@FE E96 4@C@?2G:CFD :>A24E @? E96 C62 = 6DE2E6> 2C <6E]k ^ Am

kAmq67 @ C6 C62 = 6DE2E6 @ 77: 46D H6C6 D9FE 5 @ H?[ *@F?8 D2:5 >2?J A6@A=6 H6C6 2=C625J DF776C:?8 7C@> E96 64@?@>:4 :>A24ED @7 E96 4@C@?2G:CFD 4C:D:D 2?5 4@F=5 9@=5 @77 @7 AFC492D:?8 9@>6D] % 96J> 2J H @ CCJ 23 @ FE? @E 36:? 8 23 = 6 E @ A2J @ 77 E96: C> @ CE8286 = @ 2? D[ 96 D2:5]k ^ Am

kAmQ! 6 @ A = 6 2C6 = @ D:? 8 E96: C; @ 3D]! 6 @ A = 6>: 89E H @ C< :? C6E2:= @C 2E >2 == D E92E 2C6 4 = @ D:? 8[Q 96 D2:5] QtG6CJ3 @ 5J: D 8 @ 😕 8 E @ 36 27764E65 3J E9: DD @> 69 @ H[ D@>6 H2J]Qk ^ Am

kAmr @? E24E E96 HC: E6Ci k2 9C67lQ> 2: = E @ i52 == 232F89o4: E: K6? DG @: 46]4 @> Qm52 == 232F89o4: E: K6? DG @: 46]4 @> k ^ 2m[df_ga`a“d[ou’p==232F89@?%H:EE6Ck^Am[df_ga`a“d[or’p==232F89@?%H:EE6Ck^Am[df_ga`a“d[ou’p==232F89@?%H:EE6Ck^Suis[df_ga`a“d[or’p==232F89@?%H:EE6Ck^Am

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