ANALISIS PENGARUH KUALITAS PELAYANAN TERHADAP KEPUASAN NASABAH PENABUNG PADA PT. BANK SULSELBAR DI...
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Transcript of ANALISIS PENGARUH KUALITAS PELAYANAN TERHADAP KEPUASAN NASABAH PENABUNG PADA PT. BANK SULSELBAR DI...
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O@OBF^F^ \C@AOYSH JSOBFWO^ \CBOVO@O@ WCYHOGO\
JC\SO^O@ @O^OIOH \C@OIS@A \OGO\W. IO@J ^SB^CBIOY
GF EOJO^^OY
Gfomsjo` Kbch =
^OYOH ^CWFYOH
O9??
Gf~cwsmsf Kbch =
Gk~c` \ceifeif`a
\ceifeif`a F \ceifeif`a FF
Gy. F`gyfvo`wv ^sgfyeo`" ^C." E.^f Gyo. Hm @syoc`f Jogfy" E.^f
@f| = ?6446
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OI^WYOJ
^OYOH ^CWFYOH" O9?? . O`obf~f~ |c`aoysh jsobfwo~ |cbovo`o`wcyhogo| jc|so~o` `o~oioh |c`ois`a |ogo \W. Io`j ^sb~cbioy gf Eojo~~oy(gfifeif`a kbch F`gyfvo`wv ^sgfyeo` go` Hm @syoc`f Jogfy&
Wsmso` goyf |c`cbfwfo` f`f ogoboh ec`acwohsf ~cmosh eo`o |c`aoysh jsobfwo~
|cbovo`o` vo`a gfwcyo|jo` kbch \W. Io`j ^sb~cbioy gf Eojo~~oy wcyhogo||c`f`ajowo` jc|so~o` `o~oioh go` s`wsj ec`acwohsf |c`aoysh go` hsis`ao`
jsobfwo~ |cbovo`o` vo`a gfbojsjo` kbch \W. Io`j ^sb~cbioy gf Eojo~~oy wcyhogo|
jc|so~o` `o~oioh. ^cgo`ajo` ecwkgc o`obf~f~ vo`a gfas`ojo` goboe |c`cbfwfo` f`f
ogoboh o`obf~f~ gc~nyf|wftc" o`obf~f~ ycayc~f bf`fcy icyao`go" smf ycbfoifbfwo~" smftobfgfwo~" smf |oy~fob (smf W&.
Icygo~oyjo` ho~fb o`obf~f~ ycayc~f" voj`f gfec`~f jsobfwo~ bovo`o` gc`ao`jc|so~o` `o~oioh vofws = wo`afibc" ycbfoifbfwv" yc~|k`~ftc`c~~" o~~syo`nc go` ce|howv
vo`a ec`s`msjjo` ioho jcbfeo gfec`~f jsobfwo~ bovo`o` icy|c`aoysh ~cnoyo
~fa`fdfjo` wcyhogo| |c`f`ajowo` jc|so~o` `o~oioh ~cioi ecefbfjf `fbof tobsc 2
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t
GODWOY F^F
Hoboeo`
HOBOEO@ MSGSB ....................................................................................... f
HOBOEO@ \C@AC^OHO@ \CEIFEIF@A .............................................. ff
OI^WYOJ ....................................................................................................... fff
JOWO \C@AO@WOY .................................................................................... ft
GODWOY F^F ................................................................................................... t
GODWOY WOICB ........................................................................................... tff
GODWOY JCEO .......................................................................................... tfff
IOI F \C@GOHSBSO@ ............................................................................ ?
?.?. Bowoy Icbojo`a ............................................................................ ?
?.9. Eo~oboh \kjkj ........................................................................... >
?.>. Wsmso` \c`cbfwfo` ........................................................................ >
?.7. Eo`doow \c`cbfwfo` ..................................................................... 7
?.3. ^f~wceowfjo \c`sbf~o` ............................................................... 7
IOI FF WF@MOSO@ \S^WOJO .................................................................... 4
9.?. \c`acywfo` Mo~o ........................................................................... 4
9.9. \c`acywfo` \ceo~oyo` Mo~o ........................................................ 1
9.>. \c`acywfo` \cbovo`o` ................................................................. 8
9.7. \c`acywfo` Jsobfwo~ \cbovo`o ................................................... ??
9.3. \c`acywfo` Jc|so~o` @o~oioh .................................................. ?>
9.4. Dojwky%dojwky vo`a Ece|c`aoyshf Jc|so~o` @o~oioh ........... ?6
9.1. \c`acywfo` @o~oioh ................................................................... 99
9.8. Jcyo`ajo \fjfy ........................................................................... 99
9.6. Hf|kwc~f~ ................................................................................... 9>
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GODWOY WOICB
Hoboeo`
WOICB F JOYOJWCYF^WFJ YC^\K@GC@ ICYGO^OYJO@ S^FO ...... 33
WOICB FF JOYOJWCYF^WFJ YC^\K@GC@ ICYGO^OYJO@ WF@AJOW\C@GO\OWO@ ................................................................................ 34
WOICB FFF JOYOJWCYF^WFJ YC^\K@GC@ ICYGO^OYJO@ MC@F^
JCBOEF@ ........................................................................................ 31
WOICB FT JOYOJWCYF^WFJ YC^\K@GC@ ICYGO^OYJO@
\CJCYMOO@ ................................................................................... 38
WOICB T WO@AAO\O@ YC^\K@GC@ EC@AC@OF TOYFOICBWO@AFIBC....................................................................................... 4
WOICB TFFF WO@AAO\O@ YC^\K@GC@ OWO^ TOYFOICBO^^SYO@NC
(MOEF@O@& ..................................................................................... 43
WOICB FX WO@AAO\O@ YC^\K@GC@ EC@AC@OF TOYFOICBCE\OWF........................................................................................... 41
WOICB X WO@AAO\O@ YC^\K@GC@ EC@AC@OF TOYFOICBJC\SO^O@ @O^OIOH .............................................................. 48
WOICB XF SMF TOBFGFWO^ JSOBFWO^ BOVO@O@ WCYHOGO\
JC\SO^O@ @O^OIOH .. 1
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GODWOY ^JCEO
Hoboeo`
^jceo ? Jcyo`ajo \fjfy ............................................................................. 9>
^jceo 9 ^wysjwsy Kyao`f~o~f \W. Io`j sb~cbioy ...................................... >6
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IOI F
\C@GOHSBSO@
?.? Bowoy Icbojo`aGoboe |cyio`jo`" jc|so~o` go` jcwfgoj|so~o` `o~oioh ogoboh ho~fb |c`fbofo`
`o~oioh wcyhogo| o|o vo`a gfhoyo|jo``vo gc`ao` eceicbf go` ec`aas`ojo` ~sows
|ykgsj mo~o io`j. Hoyo|o` fws bo`wo~ gfio`gf`ajo` gc`ao` |cy~c|~f`vo wcyhogo|
jsobfwo~ vo`a gfwcyfeo`vo gc`ao` ec`aas`ojo` |ykgsj mo~o fws. Mfjo hoyo|o``vo
bcifh wf`aaf goyf|ogo jsobfwo~ |ykgsj mo~o" fo ojo` ecyo~o wfgoj |so~. ^ciobfj`vo" mfjo
hoyo|o``vo ~oeo gc`ao` owos bcifh yc`goh goyf|ogo jsobfwo~ |ykgsj mo~o fo ojo`
ecyo~o |so~.
@o~oioh eceo`a hoys~ gf|so~jo`" ~cioi jobos ecycjo wfgoj |so~ ecycjo
ojo` ec`f`aaobjo` |cys~ohoo` go` ec`mogf `o~oioh |c~of`a" hob f`f ojo`
ec`vcioijo` |c`sys`o` |c`go|owo` |cyio`jo` go` |ogo afbfyo``vo ojo`
ec`sys`jo` boio go` iohjo` jcysafo`. Eojo goyf fws" |fe|f`o` |cys~ohoo` hoys~
icys~oho ecbojsjo` |c`asjsyo` wf`ajow jc|so~o` `o~oioh oaoy go|ow ec`acwohsf
~cicyo|o ic~oy wf`ajow jc|so~o` vo`a wcboh gfyo~ojo` kbch `o~oioh.
Kbch joyc`o fws ~oboh ~ows s|ovo vo`a gfbojsjo` kbch ~cwfo| |cys~ohoo`
jhs~s~`vo |ogo |cys~ohoo` vo`a icyacyoj gf ifgo`a mo~o |cyio`jo`" wc|ow`vo |ogo
\W. Io`j ^sb~cbioy gf Eojo~~oy ogoboh gc`ao` ec`cyo|jo` eo~oboh jsobfwo~
|cbovo`o`. Jsobfwo~ |cbovo`o` ogoboh ~cioaof s|ovo |cec`sho` jciswsho` go`
jcf`af`o` jk`~sec` owos `o~oioh ~cywo jcwc|owo` |c`voe|ofo``vo goboe
ec`afeio`af hoyo|o` `o~oioh.
?
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Gfeo`o goboe ec`s`mo`a |c`acbkboo` ojwftfwo~ |cyio`jo` eojo |cybs
ogo`vo wf`ajow |cbovo`o` `o~oioh" ~cioi gc`ao` ogo`vo wf`ajow |cbovo`o` `o~oioh
eojo ojo` eceicyfjo` jc|so~o` ioaf `o~oioh. Hob f`f ~c~sof gc`ao` ho~fb
oo`noyo vo`a gfbojsjo` |c`sbf~ ec`s`msjjo` ioho ~oboh ~ows `o~oioh \W. Io`j
^sb~cbioy ec`aowojo` ioho wf`ajow |cbovo`o` vo`a gficyfjo` kbch \W. Io`j
^sb~cbioy jsyo`a ecec`shf jc|so~o` `o~oioh. Jcesgfo` goyf ho~fb oo`noyo
bof``vo vo`a gfbojsjo` kbch |c`sbf~ gc`ao` `o~oioh ec`aowojo` ioho |cbovo`o`
vo`a gficyfjo` kbch \W. Io`j ^sb~cbioy jsyo`a go|ow eceicyfjo` jc|so~o` ioaf
`o~oioh" wcyswoeo goboe hob |cbovo`o` jc|ogo `o~oioh.
Ogo|s` jcafowo` jsobfwo~ |cbovo`o` vo`a gfbojsjo` kbch |cys~ohoo` ogoboh
wcygfyf goyf = wo`afibc (isjwf df~fj&" ycbfoifbfwv (jcho`gobo`&" yc~|k`~ftc`c~~
(wo`aao|o`&" o~~syo`nc (moef`o`&" ~cywo ce|howv (ce|owf&. Jcbfeo gfec`~f jsobfwo~
|cbovo`o` wcy~cisw ecys|ojo` o`gobo` vo`a gfas`ojo` kbch \W. Io`j ^sb~cbioy
goboe ec`f`ajowjo` jc|so~o` `o~oioh |c`ois`a. Gcefjfo` hob`vo gc`ao` Dcyyv
(9
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wcy`vowo toyfoicb vo`a ecefbfjf |c`aoysh wcyic~oy wcyhogo| jc|so~o` `o~oioh ogoboh
jcho`gobo`. Hob f`f ec`s`msjjo` ioho Jo`wky Noio`a IYF Eo`ogk |cybs
ec`f`ajowjo` jsobfwo~ |cbovo`o``vo vo`a gfbfhow goyf gfec`~f%gfec`~f I^_ ~c|cywf
jcwcysmsgo`" |kywkdkbfk mo~o" jccdcjwfdo` go` moef`o`" jcho`gobo`" oj~c~ go` hoyao
oaoy go|ow ec`f`ajowjo` jc|so~o` `o~oioh.
Goboe jofwo``vo gc`ao` syofo` wcy~cisw gf owo~" eceisow |c`sbf~ wcywoyfj
s`wsj ec`cbooh ~cnoyo ~cj~oeo ec`ac`of hob%hob vo`a icyjofwo` gc`ao` ~wyowcaf
jsobfwo~ |cbovo`o` `o~oioh |c`ois`a" gc`ao` ec`aoeifb wk|fj swoeo = O`obf~f~
\c`aoysh Jsobfwo~ \cbovo`o` Wcyhogo| Jc|so~o` @o~oioh \ogo \W. Io`j ^sb~cbioy
gf Eojo~~oy.
?.9 Eo~oboh \kjkj
Icygo~oyjo` bowoy icbojo`a vo`a wcboh gfjcesjojo` ~cicbse`vo" eojo vo`a
ec`mogf eo~oboh |kjkj goboe |c`cbfwfo` f`f ogoboh =
?. O|ojoh jsobfwo~ |cbovo`o` mo~o vo`a gfbojsjo` kbch |cys~ohoo` \W. Io`j^sb~cbioy ~fa`fdfjo` ece|c`aoyshf jc|so~o` `o~oioh |c`ois`a.
9. Toyfoicb jsobfwo~ |cbovo`o` eo`ojoh vo`a gkef`o` ece|c`aoyshf jc|so~o``o~oioh |c`ois`a.
?.> Wsmso` \c`cbfwfo`
Ogo|s` wsmso` goyf |c`cbfwfo` f`f ogoboh =
?. S`wsj ec`acwohsf ~cmosh eo`o |c`aoysh jsobfwo~ |cbovo`o` vo`a gfwcyo|jo` kbch\W. Io`j ^sb~cbioy gf Eojo~~oy wcyhogo| |c`f`ajowo` jc|so~o` `o~oioh.
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Ioi jcwfao ecwkgc |c`cbfwfo` vo`a wcygfyf goyf gocyoh go` ojws |c`cbfwfo`"
ecwkgc |c`ase|sbo` gowo" mc`f~ go` ~seicy gowo" gcdf`f~f k|cyo~fk`ob toyfoicb"
ecwkgc o`obf~f~.
Ioi jcce|ow ec`mcbo~jo` aoeioyo` sese |cys~ohoo`" vo`a wcygfyf goyf
~cmoyoh ~f`ajow |cys~ohoo`" ~wysjwsy kyao`f~o~f |cys~ohoo`" mki gc~nyf|wfk`.
Ioi jcbfeo ogoboh ioi |ceioho~o` vo`a wcygfyf goyf o`obf~f~ |cyjceio`ao`
mseboh `o~oioh |c`ois`a" o`obf~f~ jsobfwo~ |cbovo`o`" o`obf~f~ |c`aoysh jsobfwo~
|cbovo`o` wcyhogo| jc|so~o` `o~oioh |c`ois`a.
Ioi jcc`oe ~cioaof ioi |c`sws| vo`a icyf~fjo` jc~fe|sbo` go` ~oyo`%~oyo`.
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IOI FF
WF@OSO@ \S^WOJO
9.? \c`acywfo` Mo~o
\cyjceio`ao` |ceo~oyo` icyoob goyf wsjoy ec`sjoy ioyo`a ~cnoyo
~cgcyho`o wo`|o ec`aas`ojo` obow wsjoy icys|o so`a owos|s` bkaoe esbfo. Gc`ao`
icyjceio`a`vo fbes |c`acwohso`" eojo ~ceojf` gfiswshjo` ~sows obow wsjoy vo`a
icybojs sese go` s`wsj fwsboh gfnf|wojo` so`a. Gf~oe|f`a fws" eo`s~fo msao
ececybsjo` mo~o goboe ec`asys~ hob%hob wcywc`ws" ~chf`aao mo~o ec`mogf ioafo`
swoeo goboe |ceo~oyo`.
\c`acywfo` mo~o gfjcesjojo` kbch Do`gv Wmf|wk`k (9
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ec~jf|s` |fhoj%|fhoj vo`a wcybfiow wfgoj ~cbobs ec`vogoyf. Mo~o msao isjo`
ecys|ojo` ioyo`a" mo~o ogoboh ~sows |yk~c~ owos ojwftfwo~ go` ojwftfwo~%ojwftfwo~
wcy~cisw wfgoj icysmsg.
Isnhoyf Obeo (9
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joyvoo` `k`%eo`omcyfob" goboe ecyses~jo` eos|s` ec`gsjs`a |cboj~o`oo`
|ceo~oyo` vo`a icykyfc`wo~f jc|ogo jk`~sec` wcy~cisw" ecys|ojo` hob vo`a wfgoj
if~o gfwooy%wooy boaf.
Yowfh Hsyyfvowf (9 \c`acywfo` \cbovo`o`
Jfwo ~ceso hoys~ go|ow eceohoef ioho bovo`o` (~cytfnc& icyo~ob goyf
kyo`a%kyo`a" isjo` goyf kyao`f~o~f owos |cys~ohoo`. Gc`ao` gcefjfo`" bovo`o` fws
es`ajf` gficyfjo` joyc`o ~ows |fhoj icyjchc`goj eceio`ws |fhoj bof` ~cnoyo
~sjoycbo" owos ogo`vo |cyef`woo` goyf |fhoj bof` jc|ogo ~ows |fhoj s`wsj
eceio`ws`vo ~cnoyo ~sjoycbo. Ef~ob`vo" io`wso` vo`a icyjofwo` gc`ao` jcakwk`a%
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ykvk`ao` o`woy oyao" io`wso` |cyhcbowo`" io`wso` gsjo nfwo" io`wso` hsjse nseo%
nseo" |cecbfhoyoo` o`oj vowfe+|fows" |cecbfhoyoo` kyo`a mke|k" go` |c`vcbc~ofo`
|cjcymoo` vo`a gfbojsjo` kbch |oyo ojwftfwo~ goboe kyao`f~o~f `k`%jkecy~fob ~c|cywf
bceioao ~ogovo eo~voyojow.
\cbovo`o` ogoboh js`nf jcicyho~fbo` goboe icyioaof s~oho |ogo jcafowo`
vo`a ~fdow`vo mo~o. \cyo`o``vo ojo` bcifh ic~oy go` ec`c`wsjo` mfjo |ogo jcafowo`
mo~o wc~cisw jke|cwf~f (|cy~of`ao`& nsjs| jcwow goboe s|ovo ecycisw |o`a~o |o~oy
owos bo`aao`o`. Wf`ajow |cbovo`o` ecys|ojo` ~sows wf`ajow vo`a gfws`msjjo` kbch
|s~ow |cbovo`o` goboe ec`o`ao`f kyo`a%kyo`a vo`a ececybsjo` |cbovo`o`%
|cbovo`o`.
Jo~efy (9
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??
Wf`ajow jsobfwo~ |cbovo`o` wfgoj go|ow gf`fbof icygo~oyjo` ~sgsw |o`go`a
|cys~ohoo` wcwo|f hoys~ gf|o`go`a goyf ~sgsw |o`go`a |c`fbofo` `o~oioh. Joyc`o fws"
goboe ecyses~jo` ~wyowcaf go` |ykayoe |cbovo`o`" |cys~ohoo` hoys~ icykyfc`wo~f
|ogo jc|c`wf`ao` `o~oioh gc`ao` ece|cyhowfjo` jke|k`c` jsobfwo~ `o~oioh.
9.7\c`acywfo` Jsobfwo~ \cbovo`o`Jsobfwo~ mo~o owos jsobfwo~ bovo`o` (~cytfnc qsobfwv& icyjk`wyfis~f ~fa`fdfjo`
ioaf |c`nf|woo` gfdcyc`~fo~f" |k~fwfk`f`a" go` ~wyowcaf icy~of`a ~cwfo| kyao`f~o~f
|ceo~oyo`" iofj |cys~ohoo` eo`sdojwsy eos|s` |c`vcgfo mo~o. ^ovo`a`vo" ef`ow
go` |cyhowfo` |ogo |c`asjsyo` jsobfwo~ mo~o go|ow gfjowojo` ioys icyjceio`a ~cmoj
gcjogc ?68
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?9
Jsobfwo~ mo~o icy|s~ow |ogo s|ovo |cec`sho` jciswsho` go` jcf`af`o`
|cbo`aao` ~cywo jcwc|owo` |c`voe|ofo``vo s`wsj ec`afeio`af hoyo|o` |cbo`aao`.
Hoyo|o` |cbo`aao` if~o icys|o wfao eonoe wf|c. \cywoeo" fbb cx|cnwowfk`" vofws
wf`ajow jf`cymo vo`a gf|ycgfj~f owos gf|cyjfyojo` jk`~sec` ojo` gfwcyfeo`vo"
icygo~oyjo` ~ceso f`dkyeo~f vo`a gfjcwohsf`vo. Wf|c f`f ecys|ojo` wf`ajow hoyo|o`
vo`a |obf`a ~cyf`a gfeoj~sgjo` kbch jk`~sec`" ~cojws ec`fbof jsobfwo~ mo~o
wcywc`ws. Jcgso" ~hksbg cx|cnwowfk`" vofws wf`ajow jf`cymo vo`a gfo`aao| ~sgoh
~c|o`wo~`vo gfwcyfeo jk`~sec`. Ifo~o`vo ws`wswo` goyf o|o vo`a ~choys~`vo gfwcyfeo
mosh bcifh ic~oy goyf|ogo o|o vo`a gf|cyjfyojo` ojo` gfwcyfeo. Jcwfao" fgcob
cx|cnwowfk`" vofws wf`ajow jf`cymo k|wfese owos wcyiofj vo`a gfhoyo|jo` go|ow
gfwcyfeo jk`~sec`.
Ec`sysw Do`gv Wmf|wk`k go` Aycakyfs~ Nho`gyo (9
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?7
\c`wf`a`vo jc|so~o` `o~oioh icyjofwo` gc`ao` |cy~of`ao` vo`a eojf` jcwow"
~cywo wf`ajow jcysafo` go` jcs`ws`ao` |cys~ohoo`. Jhs~s~ obo~o` vo`a wcyojhfy"
jcs`ws`ao`" eceo`a wfgoj ~cbobs gfwc`wsjo` kbch dojwky jc|so~o` `o~oioh" wcwo|f
msao kbch jc|cynovoo` go` jc~cwfoo` `o~oioh wcyhogo| ~sows |ykgsj go` |cys~ohoo .
Icioyo|o dojwky fws mcbo~ ~obf`a ece|c`aoyshf joyc`o gf wc`aoh jcwow`vo |cy~of`ao`"
jc~cwfoo` `o~oioh ec`mogf hob vo`a ~o`aow ~sbfw gf|cywoho`jo`.
Vo}fg (9
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?3
Ho`gf Fyoo` (9
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?4
Icygo~oyjo` gcdf`f~f wcy~cisw gf owo~ ioho jc|so~o` ecys|ojo` ds`a~f goyf
|cy~c|~f+jcymo owo~ jf`cymo go` hoyo|o`. Mfjo jf`cymo icyogo gfiooh hoyo|o`" eojo
`o~oioh wfgoj |so~. Mfjo jf`cymo ecec`shf hoyo|o`" `o~oioh |so~. Mfjo jf`cymo
ecbcifhf hoyo|o` `o~oioh oeow |so~ owos ~c`o`a.
Io`voj |cys~ohoo` ec`dkjs~jo` |ogo jc|so~o` wf`aaf joyc`o |oyo `o~oioh
vo`a jc|so~o``vo ho`vo |o~ esgoh s`wsj icysioh |fjfyo` ifbo ec`go|ow wooyo`
vo`a bcifh iofj. Ecycjo vo`a oeow |so~ bcifh ~sjoy s`wsj ec`asioh |fbfho``vo.
Jc|so~o` wf`aaf owos jc~c`o`ao` vo`a wf`aaf ec`nf|wojo` jcbcjowo` cek~fk`ob
wcyhogo| ecycj wcywc`ws" isjo` ho`vo jc~sjoo`+|ycdcyc`~f yo~fk`ob. Ho~fb`vo ogoboh
jc~cwfoo` `o~oioh vo`a wf`aaf.
Ioaofeo`o |oyo |ceicbf eceic`wsj hoyo|o` ecycjo ; Hoyo|o` ecycjo
gf|c`aoyshf kbch |c`aoboeo` |ceicbfo` ecycjo ~cicbse`vo" `o~fhow wceo` go`
jkbcao" ~cywo mo`mf go` f`dkyeo~f |ceo~oy go` |oyo |c~of`a`vo. Mfjo |oyo |ceo~oy
ec`f`ajowjo` hoyo|o` wcybobs wf`aaf" |oyo |ceicbf jces`ajf`o` ic~oy ojo` jcnco.
Icicyo|o |cys~ohoo` vo`a |obf`a icyho~fb gf eo~o jf`f ~cgo`a ec`f`ajowjo`
hoyo|o` go` ojo` ec`f`ajowjo` jf`cymo vo`a ecec`shf`vo" |cys~ohoo`%|cys~ohoo`
fws ec`sms |ogo Jc|so~o` `o~oioh wkwob (wkwob nk~wsecy ~owf~donwfk`&.
Js`nf s`wsj ec`aho~fbjo` jc~cwfoo` `o~oioh ogoboh eceicyfjo` `fbof
`o~oioh vo`a wf`aaf. Ec`sysw Efnhocb Bo``f`a goboe joyvoo`vo Gcbftcyf`a
\ykdfwoibc tobsc ~cisoh |cys~ohoo` hoys~ ec`aceio`ajo` ~ows |yk|k~f~f `fbof (tobsc
|yk|k~fwfk`& vo`a ~s|cyfky ~cnoyo icy~of`a" go` ~f~wce |c`vcyoho` `fbof (Tobsc%
gcbftcyv ^v~wce& vo`a ~s|cyfky. \yk|k~f~f `fbof ~cisoh |cys~ohoo` ogoboh mosh bcifh
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?1
goyf ~cjcgoy |k~fwfk`f`a`vo |ogo ~sows owyfisw wcywc`ws" fws ecys|ojo` |cy`vowoo`
wc`wo`a |c`aoboeo` vo`a gfho~fbjo` vo`a ojo` gf|cykbch |oyo `o~oioh goyf wooyo`
go` goyf hsis`ao` ecycjo gc`ao` |ceo~kj. Ecycj hoys~ ec`aaoeioyjo` ~sows mo`mf
wc`wo`a wkwob |c`aoboeo` vo`a gfho~fbjo` vo`a go|ow gfhoyo|jo` kbch `o~oioh.
O|ojoh mo`mf fws gf|c`shf" wcyao`ws`a |ogo jceoe|so` |cys~ohoo` s`wsj ec`acbkbo
~f~wce |c`vcyoho` `fbof`vo. ^f~wce |c`vcyoho` `fbof ec`nojs| ~ceso jkes`fjo~f
go` |c`aoboeo` ~obsyo` vo`a ojo` gfgo|owjo` `o~oioh goboe s~oho`vo s`wsj
ec`go|owjo` wooyo`.
^cbof` ecbonoj hoyo|o` `fbof `o~oioh" go` jc|so~o` `o~oioh" |cys~ohoo`%
|cys~ohoo` msao hoys~ ec`aoo~f jf`cymo |c~of`a ecycjo gf ifgo`a%ifgo`a wcy~cisw.
S`wsj |cys~ohoo`%|cys~ohoo` vo`a icydkjs~ |ogo `o~oioh" jc|so~o` `o~oioh ogoboh
~o~oyo` ~cjobfas~ obow |ceo~oyo`. \cys~ohoo`%|cys~ohoo` vo`a ec`no|of wf`ajow
jc|so~o` `o~oioh vo`a wf`aaf ojo` eceo~wfjo` ioho |o~oy ~o~oyo` (woyacw eoyjcw&
ecycjo ec`acwohsf`vo.
Qobos|s` |cys~ohoo` vo`a icydkjs~ |ogo `o~oioh icys~oho ec`no|of
jc|so~o` `o~oioh vo`a wf`aaf" ~o~oyo` swoeo`vo isjo`boh s`wsj eceoj~fesejo`
jc|so~o` `o~oioh. Mfjo |cys~ohoo` ec`f`ajowjo` jc|so~o` `o~oioh gc`ao`
ec`sys`jo` hoyao`vo owos |c`f`ajowo` |cbovo`o``vo" ho~fb`vo es`ajf` ogoboh boio
vo`a yc`goh.
^oow `o~oioh ec`fbof jc|so~o` ecycjo icygo~oyjo` ~oboh ~ows s`~sy jf`cymo
|cys~ohoo`" ef~ob`vo |c`vcyoho` ioyo`a" |cys~ohoo` |cybs ec`vogoyf ioho
icyoaoe ~cjobf noyo `o~oioh ec`gcdf`f~fjo` |c`vcyoho` ioyo`a vo`a iofj.
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?8
\c`vcyoho` ioyo`a vo`a iofj fws go|ow icyoywf |c`vcyoho` vo`a bcifh oob" wc|ow
ojws" bc`ajo|" ~cwcys~`vo.
\obf`a wfgoj ogo ce|ow ecwkgc vo`a io`voj gf|cyas`ojo` goboe ec`asjsy
jc|so~o` `o~oioh" ec`sysw Isnhoyf Obeo (9. Ahk~w ^hk||f`a (|ceicbf iovo`ao`&Goboe hob f`f |cys~ohoo` ec`sysh kyo`a wcywc`ws ~cioaof |ceicbf jc |cys~ohoo`
bof` owos jc|cys~ohoo``vo ~c`gfyf. \ceicbf ef~wcyf f`f ecbo|kyjo` jcs`aasbo`
go` jcbceoho` |cbovo`o` vo`a ecbovo`f`vo. Msao gfbo|kyjo` ~caobo ~c~sows
icyeodoow ~cioaof ioho` |c`aoeifbo` jc|sws~o` kbch eo`omcec`. Isjo` ~omo
kyo`a bof` vo`a gf~co s`wsj ec`mogf |ceicbf iovo`ao` wcwo|f msao eo`omcy
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?6
~c`gfyf hoys~ wsys` jcbo|o`ao`" icbo`mo jc wkjkj ~of`ao` gfeo`o fo wfgoj gfjc`ob.
\c`aoboeo` eo`omcy f`f ~o`aow |c`wf`a joyc`o gowo go` f`dkyeo~f vo`a gf|cykbch
bo`a~s`a fo oboef ~c`gfyf.
7. Bk~w Ns~wkecy O`obv~f~ (o`obf~f~ `o~oioh vo`a boyf&Bo`aao`o` vo`a hfbo`a" gfnkio gfhsis`af. Ecycjo gfef`wo s`wsj
ec`as`ajo|jo` ec`ao|o ecycjo icyhc`wf" |f`goh jc |cys~ohoo` bof`" ogojoh
~c~sows eo~oboh vo`a wcymogf vo`a wfgoj if~o gfowo~f owos wcyboeiow gfowo~f. Goyf
jk`woj ~ceonoe f`f ojo` gf|cykbch f`dkyeo~f go` ojo` ece|cyiofjf jf`cymo
|cys~ohoo` ~c`gfyf oaoy wfgoj ogo boaf bo`aao`o` vo`a boyf gc`ao` noyo
ec`f`ajowjo` jc|so~o` ecycjo.
9.4 Dojwky%dojwky vo`a Ece|c`aoyshf Jc|so~o` @o~oioh
Ec~jf|s` sese`vo gcdf`f~f vo`a gficyfjo` gf owo~ ec`fwfjicyowjo` |ogo
jc|so~o`+jcwfgoj|so~o` wcyhogo| |ykgsj owos mo~o" |c`acywfo` wcy~cisw msao go|ow
gfwcyo|jo` goboe |c`fbofo` jc|so~o`+jcwfgoj|so~o` wcyhogo| ~sows |cys~ohoo`
wcywc`ws joyc`o jcgso`vo icyjofwo` cyow.
Goboe ec`actobso~f jc|so~o` wcyhogo| |ykgsj" mo~o" owos |cys~ohoo`
wcywc`ws" jk`~sec` sese`vo ec`aons |ogo icyioaof dojwky owos gfec`~f. Dojwky
vo`a ~cyf`a gfas`ojo` goboe ec`actobso~f jc|so~o` wcyhogo| ~sows |ykgsj
eo`sdojwsy ec`sysw Do`gv Wmf|wk`k (9
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9. Jco`gobo` (ycbfoifbfwv&" vofws jces`ajf`o` jcnfb ojo` ec`aoboef jcys~ojo` owosaoaob gf|ojof" ef~ob`vo ekifb wfgoj ~cyf`a `aogow+eoncw+yccb+ys~oj.
7. Jc~c~sofo` gc`ao` ~|c~fdfjo~f (nk`dkyeonc wk ~|cnfdfnowfk`&" vofws ~cmosh eo`ojoyojwcyf~wfj gc~of` go` k|cyo~f ecec`shf ~wo`goy%~wo`goy vo`a wcboh gfwcwo|jo`
~cicbse`vo. Ef~ob`vo ~wo`goy jcoeo`o` go` cef~f wcy|c`shf" ~c|cywf sjsyo` o~
ykgo s`wsj wysj wc`ws`vo hoys~ bcifh ic~oy goyf|ogo ekifb ~cgo`.
3. Govo woho` (gsyoifbfwv&" icyjofwo` gc`ao` icyo|o boeo |ykgsj wcy~cisw go|ow wcys~gfas`ojo`. Gfec`~f f`f ec`nojs| sesy wcj`f~ eos|s` sesy cjk`kef~
|c`aas`oo` ekifb.
4. ^cytfncoifbfwv" ecbf|swf jcnc|owo`" jke|cwc`~f" jc`voeo`o` esgoh gfyc|oyo~f"~cywo |c`o`ao`o` jcbsho` vo`a eceso~jo`. \cbovo`o` vo`a gficyfjo` wfgoj
wcyiowo~ ho`vo ~cicbse |c`msobo`" wcwo|f msao ~cboeo |yk~c~ |c`msobo` hf`aao
|sy`o msob" vo`a ec`nojs| |cbovo`o` yc|oyo~f go` jcwcy~cgfoo` jke|k`c` vo`a
gfiswshjo`.
1. C~wcwfjo" vofws govo woyfj |ykgsj wcyhogo| |o`no f`gcyo" ef~ob`vo ic`wsj df~fj"oy`o ekgcb+gc~of` go` ~cioaof`vo.
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9?
8. Jsobfwo~ vo`a gf|cy~c|~fjo` (|cyncftcg qsobfwv&" vofws nfwyo go` yc|swo~f |ykgsj~cywo wo`aas`amooi |cys~ohoo` wcyhogo|`vo. Ifo~o`vo joyc`o jsyo`a`vo
|c`acwohso` |ceicbf ojo` owyfisw+nfyf%nfyf |ykgsj vo`a ojo` gficbf" eojo |ceicbf
ece|cy~c|~fjo` jsobfwo~`vo goyf o~|cj hoyao" `oeo ecycj" fjbo`" yc|swo~f
|cys~ohoo` eos|s` `caoyo |ceisow`vo.
^cec`woyo fws goboe ec`actobso~f mo~o vo`a icy~fdow f`wo`afibc" jk`~sec`
sese`vo ec`aas`ojo` icicyo|o owyfisw owos dojwky icyfjsw =
?. Isjwf bo`a~s`a (wo`afibc~&" ecbf|swf do~fbfwo~ df~fj" |cybc`ajo|o`" |caoof" go`~oyo`o jkes`fjo~f.
9. Jco`gobo` (ycbfoifbfwv&" voj`f jceoe|so` eceicyfjo` |cbovo`o` vo`agfmo`mfjo` gc`ao` ~cacyo" ojsyow" go` eceso~jo`.
>. Govo wo`aao| (yc~|k`~ftc`c~~&" vofws jcf`af`o` |oyo ~wod go` joyvoo` s`wsjeceio`ws |oyo `o~oioh go` eceicyfjo` |cbovo`o` gc`ao` wo`aao|.
7. Moef`o` (o~~syo`nc&" ec`nojs| |c`acwohso`" jceoe|so`" jc~k|o`o`" go` ~fdowgo|ow gf|cynovo vo`a gfefbfjf |oyo ~wod" icio~ goyf iohovo" yf~fjk owos jcyoas%
yoaso`.
3. Ce|owf" ecbf|swf jcesgoho` goboe ecbojsjo` hsis`ao`" jkes`fjo~f vo`a iofj"|cyhowfo` |yfiogf" go` eceohoef jciswsho` |oyo `o~oioh.
Goboe ec`actobso~f jc|so~o` `o~oioh wcyhogo| ~sows |cys~ohoo` wcywc`ws"
dojwky%dojwky |c`c`ws vo`a gfas`ojo` if~o icys|o jkeif`o~f goyf dojwky |c`c`ws
jc|so~o` wcyhogo| |ykgsj go` mo~o. Sese`vo vo`a ~cyf`a gfas`ojo` jk`~sec`
ogoboh o~|cj |cbovo`o` go` jsobfwo~ ioyo`a owos mo~o vo`a gficbf.
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9.1 \c`acywfo` @o~oioh
Ec`sysw S`go`a%S`go`a @k.?< Wohs` ?668 wc`wo`a |kjkj |cyio`jo` |o~ob
?" ec`gcdf`f~fjo` `o~oioh ~cioaof icyfjsw = @o~oioh ogoboh |fhoj vo`a
ec`aas`ojo` mo~o io`j. @o~oioh |c`vfe|o` ogoboh `o~oioh vo`a ec`ce|owjo`
go`o`vo gf io`j goboe ic`wsj ~fe|o`o` icygo~oyjo` |cymo`mfo` io`j gc`ao` `o~oioh
vo`a icy~o`ajswo`.
Ec`sysw ]sbfo` Voefw (9
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9>
icyjofwo` gc`ao` |ceicyfo` |cbovo`o` vo`a gficyfjo` kbch \W. Io`j ^sb~cbioy
jc|ogo `o~oioh" jhs~s~`vo |ogo `o~oioh |c`ois`a.
S`wsj ecesgohjo` goboe |c`vs~s`o` |yk|k~ob eojo |c`sbf~ ec`aas`ojo`
onso` goboe jcyo`ajo |fjfy go|ow gfbfhow ecbobsf ~jceo icyfjsw f`f =
^jceo ?. Jcyo`ajo \fjfy
9.6 Hf|kwc~f~
Icygo~oyjo` eo~oboh |kjkj vo`a wcboh gfjcesjojo` eojo gfomsjo` hf|kwc~f~
~cioaof mooio` owos gsaoo` ~cec`woyo owo~ |cyeo~oboho` voa wcboh gfjcesjojo`
ogoboh =
\W. Io`j ^sb~cbioy
Jsobfwo~ \cbovo`o`
Isjwf
df~fj
Jcho`gobo` Wo`aao|o` Moef`o` Ce|owf
Ec`f`ajowjo` Jc|so~o`
@o~oioh
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97
?. Gfgsao ioho jsobfwo~ |cbovo`o` mo~o vo`a gfwcyo|jo` |ogo \W. Io`j ^sb~cbioyece|s`vof |c`aoysh ~fa`fdfjo` wcyhogo| jc|so~o` `o~oioh |c`ois`a.
9. Gfgsao ioho toyfoicb vo`a gkef`o` ece|c`aoyshf jc|so~o` `o~oioh |c`ois`aogoboh jcho`gobo`.
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IOI FFF
ECWKGC \C@CBFWFO@
>.? Gocyoh go` Qojws \c`cbfwfo`
\c`cbfwfo` f`f gfbojsjo` |ogo \W. Io`j ^sb~cbioy icybkjo~f gf mobo` GY.
Yowsbo`af @k.?4. ^cgo`ajo` ojws vo`a gfas`ojo` ~cboeo ecbojsjo` |c`cbfwfo`
|c`cbfwfo` gf|cyjfyojo` jsyo`a bcifh gs~ isbo` gfesbof goyf isbo` Eoycw ~oe|of
gc`ao` isbo` O|yfb wohs` 9
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n. Jsc~fk`cyJsc~fk`cy vofws godwoy |cywo`voo` vo`a gfisow s`wsj ece|cykbch wo`aao|o` owos
|cy~c|~f yc~|k`gc` vo`a ec`mogf ~oe|cb goboe |c`cbfwfo` f`f.
>.> Mc`f~ go` ^seicy Gowo
Ogo|s` mc`f~ go` ~seicy gowo vo`a gfas`ojo` goboe |c`sbf~o` f`f ogoboh
~cioaof icyfjsw =
?. Gowo Jso`wfwowfdVofws gowo vo`a gf|cykbch goyf |cys~ohoo` goboe ic`wsj o`ajo%o`ajo ~c|cywf =
mseboh `o~oioh" tkbsec |c`msobo` ~cywo gowo bof``vo vo`a ogo hsis`ao``vo
gc`ao` |c`cbfwfo` f`f.
9. Gowo JsobfwowfdVofws gowo ec`ac`of jcogoo` |cys~ohoo`" ~wysjwsy kyao`f~o~f" ~cywo syofo` wsao~
eo~f`a%eo~f`a ioafo` goboe |cys~ohoo`.
^cgo`ajo` ~seicy gowo vo`a gfas`ojo` goboe |c`cbfwfo` f`f icy~seicy goyf =
?. Gowo \yfecy
Vofws gowo vo`a icy~seicy goyf |cys~ohoo` icys|o ho~fb |c`aoeowo` gc`ao`
ecoo`noyof |fe|f`o` go` joyvoo` |cys~ohoo` ~cywo gowo%gowo wcywsbf~
bof``vo vo`a ogo goboe |cys~ohoo` vo`a gfiswshjo` kbch |c`sbf~.
9. Gowo ^cjs`gcy
Vofws gowo vo`a gf|cykbch goyf ~seicy%~seicy bof` vo`a icyhsis`ao` gc`ao`
|cys~ohoo` ~cywo bo|kyo`%bo|kyo` bof``vo vo`a ogo hsis`ao``vo gc`ao`
|c`cbfwfo` f`f.
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>.7 \k|sbo~f Go` ^oe|cb
\k|sbo~f goboe |c`cbfwfo` f`f ogoboh ~cbsysh `o~oioh |c`ois`a |ogo \W. Io`j
^sb~cbioy Noio`a Swoeo gf Eojo~~oy" ec`sysw gowo \W. ^sb~cbioy Noio`a Swoeo gf
Eojo~~oy ioho `o~oioh |c`ois`a \W. ^sb~cbioy Noio`a Swoeo gf Eojo~~oy ~cic~oy
38..3 Gcdf`f~f K|cyo~fk`ob Toyfoicb
Gcdf`f~f k|cyo~fk`ob vo`a ojo` gfmogfjo` onso` goboe |c`cbfwfo` f`f ogoboh
~cioaof icyfjsw =
? Jsobfwo~ bovo`o` ogoboh ~cwfo| jcafowo` owos eo`doow vo`a go|ow gficyfjo` |fhoj|cys~ohoo` |cyio`jo` jc|ogo `o~oioh vo`a ecbf|swf = Isjwf df~fj (wo`afibc&"
Jcho`gobo` (ycbfoifbfwv&" Govo Wo`aao| (yc~|k`~ftc`c~~&" Moef`o` (o~~syo`nc&"
Ce|owf (ce|owhv&.
9 Isjwf df~fj (wo`afibc& ogoboh o~|cj%o~|cj `vowo vo`a if~o gfbfhow go` gfyoio"Gfsjsy 7 fwce |cywo`voo` gc`ao` ~jobo bfjcyw ? % 3 |kf`w" voj`f = ? = ^o`aow Wfgoj
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^cwsms" 9 = Wfgoj ~cwsms" > = @cwyob" 7 = ^cwsms" 3 = ^o`aow ~cwsms. F`gfjowky vo`a
gfsjsy ogoboh =
o& Joyvoo` \W. Io`j ^sb~cbioy icy|c`oe|fbo` ec`oyfj
i& Joyvoo` \W. Io`j ^sb~cbioy |ogo ns~wsecy ~cytfnc (N^& ecefbfjf
jcbc`ajo|o` jo`wky ekgcy` (S`fw Jke|swcy" |c~oow wcb|k`" ec~f` hfws`a"
wcyef`ob k` bf`c" obow gcwcj~f so`a tobo~ gbb&
n& Yso`ao` \W. Io`j ^sb~cbioy ecefbfjf do~fbfwo~ df~fj vo`a ec`oyfj ioaf
jk`~sec` (jsy~f" go` ecmo woes" WT" f`dkyeowfk` ek`fwkyf`a" gbb&
> Jcho`gobo` (ycbfoifbfwv&" voj`f jceoe|so` eceicyfjo` |cbovo`o` vo`agfmo`mfjo`. Gfsjsy gc`ao` ~jobo bfjcyw ? % 3 |kf`w" voj`f = ? = ^o`aow Wfgoj ^cwsms"
9 = Wfgoj ~cwsms" > = @cwyob" 7 = ^cwsms" 3 = ^o`aow ~cwsms. F`gfjowky vo`a gfsjsy
ogoboh =
o& Joyvoo` \W. Io`j ^sb~cbioy eceicyfjo` |c`aoyoho` owo~ jcs`aasbo`|ykgsj vo`a gfwooyjo` kbch Io`j ^sb~cbioy
i& Jf`cymo joyvoo` \W. Io`j ^sb~cbioy ~c~sof gc`ao` hoyo|o` `o~oioh (esbofgoyf jcwc|owo` ojws" |cbovo`o` vo`a ~oeo s`wsj ~ceso `o~oioh wo`|o
jc~oboho` go` bof`%bof`.
n& Joyvoo` \W. Io`j ^sb~cbioy wcybcifh gohsbs ecef`wo eood jc|ogo `o~oioho|oifbo wcy|oj~o hoys~ ec`s`aas joyc`o joyvoo` wcy~cisw ~cgo`a
ecboj~o`ojo` wyo`~oj~f gc`ao` `o~oioh bof`.
7 Govo Wo`aao| (yc~|k`~ftc`c~~&" vofws jceoe|so` |oyo joyvoo` s`wsjeceio`ws |oyo `o~oioh goboe eceicyfjo` bovo`o` gc`ao` wo`aao|" gfsjsy
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96
gc`ao` ~jobo bfjcy voj`f = ? = ^o`aow Wfgoj ^cwsms" 9 = Wfgoj ~cwsms" > = @cwyob" 7 =
^cwsms" 3 = ^o`aow ~cwsms. F`gfjowky vo`a gfsjsy ogoboh =
o& Joyvoo` \W. Io`j ^sb~cbioy yoeoh go` jkes`fjowfdi& Joyvoo` \W. Io`j ^sb~cbioy eceicyfjo` ~sasho` icys|o |cyec`.n& Joyvoo` \W. Io`j ^sb~cbioy ec`o`ao`f |cyef`woo` `o~oioh iofj vo`a
gfgohsbsf gc`ao` wcbc|k` owos bo`a~s`a jc Io`j.
g& Joyvoo` \W. Io`j ^sb~cbioy ~c`o`wfo~o ece|cy~fo|jo` ogef`f~wyo~feos|s` go`o vo`a gf|cybsjo` `o~oioh.
3 Moef`o` (o~~syo`nc&" ogoboh moef`o` ioho mo~o vo`a gficyfjo` eoe|seceicyfjo` yo~o oeo` goboe ecbojsjo` wyo`~oj~f" gfsjsy gc`ao` ~jobo bfjcy =
? % 3 |kf`w" voj`f = ? = ^o`aow Wfgoj ^cwsms" 9 = Wfgoj ~cwsms" > = @cwyob" 7 = ^cwsms"
3 = ^o`aow ~cwsms. F`gfjowky vo`a gfsjsy ogoboh =
o& Joyvoo` \W. Io`j ^sb~cbioy ecefbfjf |c`acwohso` vo`a iofj wc`wo`a|ykgsj%|ykgsj vo`a gfwooyjo` kbch Io`j ^sb~cb.
i& Joyvoo` Io`j ^sb~cbioy ~cbobs eceif`o hsis`ao` vo`a iofj gc`ao``o~oioh
n& Joyvoo` \W. Io`j ^sb~cbioy ec`o`ao`f |ykgsj vo`a gfwooyjo` gc`ao`iofj jc|ogo `o~oioh eos|s` jc|ogo nobk` `o~oioh
g& \oyo joyvoo` \W. Io`j ^sb~cbioy yoeoh goboe ecbovo`f `o~oiohc& Feoac owos nfwyo \W. Io`j ^sbcbioy gf eowo eo~voyojow owos `o~oioh nsjs|
wcy|cynovo
d& \oyo joyvoo` \W. Io`j ^sb~cbioy wcybowfh gc`ao` iofj
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> = @cwyob" 7 = ^cwsms"
3 = ^o`aow ~cwsms. F`gfjowky vo`a gfsjsy ogoboh =
o& ^ovo ecyo~o gf|cybojsjo` gc`ao` iofj kbch joyvoo` Io`j ^sb~cbioyi& \oyo joyvoo` ~cboeo wyo`~oj~f ece|cybojsjo` `o~oioh gc`ao` iofj.n& Io`j ^sb~cbioy eceohef jcf`af`o` ~ovog& \oyo joyvoo` Io`j ^sb~cbioy eceicyfjo` |c`mcbo~o` wc`wo`a jcs`aasbo`
|ykgsj vo`a gf|o~oyjo`.
c& \cyhowfo` joyvoo` wcyhogo| `o~oioh vo`a jke|bof`1 Jc|so~o` `o~oioh ogoboh yc~|k` `o~oioh wcyhogo| jcwfgoj~c~sofo` o`woyo wf`ajow
jc|c`wf`ao` ~cicbse`vo go` jf`cymo ojwsob vo`a gfyo~ojo` ~cwcboh |cbovo`o`
vo`a gficyfjo` jc|ogo `o~oioh" gfsjsy gc`ao` ~jobo bfjcy voj`f = ? = ^o`aow
Wfgoj ^cwsms" 9 = Wfgoj ~cwsms" > = @cwyob" 7 = ^cwsms" 3 = ^o`aow ~cwsms. F`gfjowky
vo`a gfsjsy ogoboh =
o& Jcicy~fho` \W. Io`j ^sb~cbioy eceicyfjo` jc|so~o` |ogo `o~oiohi& Jcyoeoho` |oyo joyvoo` goboe ecbovo`f `o~oiohn& Jcnc|owo` |oyo joyvoo` \W. Io`j ^sb~cbioy goboe ecbovo`f `o~oioh
eceicyfjo` jc|so~o` ioaf `o~oioh.
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>9
>. Smf Ycbfoifbfwo~ go` Smf Tobfgfwo~
?. Smf Ycbfoifbfwo~
Smf ycbfoifbfwo~ ogoboh jceoe|so` ~sows f`~wysec` s`wsj gfsmf jceiobf gc`ao`
eceicyfjo` ho~fb vo`a ycbowfd jk`~wo`. ^sows f`~wysec` gfjowojo` ycbfoicb mfjo
eceicyfjo` ho~fb vo`a ycbowfd ~oeo mfjo gfsmf ~cnoyo icysbo`a%sbo`a" voj`f `fbof
nyk`ionh~ ob|ho gf owo~ . Smf |oy~fob (Smf W&
Smf f`f ogoboh s`wsj ec`acwohsf o|ojoh |c`aoysh eo~f`a%eo~f`a toyfoicb icio~
wcyhogo| toyfoicb wcyfjow icyeoj`o owos wfgoj. \c`asmfo` gfbojsjo` gc`ao`
eceio`gf`ajo` o`woyo `fbof Whfws`a eo~f`a%eo~f`a toyfoicb icio~ gc`ao` `fbof
Wwoicb gc`ao` gcyomow jc~oboho` 3 # (5
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>>
IOI FT
AOEIOYO@ SESE \CYS^OHOO@
7.? ^cmoyoh ^f`ajow \W. Io`j ^sb~cbioy
Gfgfyfjo` gc`ao` `oeo \W. Io`j \ceio`as`o` Gocyoh ^sboc~f ^cbowo`
Wc`aaoyo go` icyjcgsgsjo` gf Eojo~~oy. Icygo~oyjo` ojwc `kwoyf~ Yogc` Jogfeo`
gf Mojoywo @k. 63 wo`aaob 93 Mo`soyf ?64?" \W. Io`j \ceio`as`o` Gocyoh ^sboc~f
^cbowo` Wc`aaoyo gfsioh ~wows~`vo ec`mogf Io`j \ceio`as`o` Gocyoh (I\G&
^sboc~f ^cbowo`.
Icygo~oyjo` \cyowsyo` Gocyoh (\cygo& wf`ajow F ^sboc~f ^cbowo` Wc`aaoyo
@k.
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>3
?. \c`gkyk`a wcynf|wo`vo wf`ajow |cywseisho` |cycjk`kefo` go` |ceio`as`o`gocyoh goboe yo`ajo ec`f`ajowjo` woyod hfgs| yojvow.
9. \cecao`a jo~ gocyoh go` |c`acbkbo so`a gocyoh goboe yo`ajo ec`f`ajowjo`woyod hfgs| yojvow.
>. \cecao`a jo~ gocyoh go` |c`acbkbo so`a gocyoh.7. ^oboh ~ows ~seicy \c`go|owo` O~bf Gocyoh (\OG&.
\cyjceio`ao` |ykgsj go` |c`vce|syoo` bovo`o` |cyio`jo` wfgoj go|ow
gf|f~ohjo` goyf |cyjceio`ao` Wcj`kbkaf F`dkyeo~f (WF& hoe|fy ~ceso |ykgsj go`
mo~o \W. Io`j ^sb~cbioy wcboh ec`cyo|jo` go` eceo`doowjo` |c`aas`oo` Wcj`kbkaf
F`dkyeo~f" o`woyo bof`=
?. ^f~wce ^c`wyobf~o~f gowoio~c gc`ao` moyf`ao` bovo`o` k`bf`c ycob wfec wcys~gfjceio`ajo`" wcyswoeo goboe ec`gsjs`a cdf~fc`~f go` cdcjwfdfwo~ |yk~c~
ycjk`~fbfo~f |ceisjso` owo~ mswoo` ycjc`f`a vo`a gfjcbkbo`vo. Moyf`ao` bovo`o`
k`bf`c ycob wfec wcy~cisw wcboh ec`nojs| ~cbsysh jo`wky noio`a"jo`wky noio`a
|ceio`ws go` jo`wky jo~ gf~cbsysh fbovoh ^sboc~f ^cbowo` go` Ioyow.
9. Bovo`o` Gcbftcyv Nho``cb vo`a ~sgoh gfjceio`ajo` gf Io`j ^sb~cb ~oow f`f"o`woyo bof`= ec`vcgfojo` bovo`o` OWE Icy~oeo go` \hk`c Io`jf`a owos ^E^
Io`jf`a.
7.9 Tf~f \W. Io`j ^sb~cbioy
Ec`mogf Io`j wcyiofj gf Joo~o` F`gk`c~fo Wfesy gc`ao` gsjs`ao`
eo`omcec` go` ^seicy Govo Eo`s~fo vo`a |ykdc~fk`ob ~cywo eceicyfjo` `fbof
woeioh jc|ogo |cecyf`woh gocyoh go` eo~voyojow.
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>8
wfgoj ~ceso kyao`f~o~f eceiswshjo` ~cisoh |cyo`ajow kyao`f~o~f o`woyo bof` ~wysjwsy
kyao`f~o~f gf~cywof gc~jyf|~f vo`a gfbc`ajo|f gc`ao` ~|c~fdfjo~f ~cywo |c`vcywoo`
moiowo` |cjcymoo`. ^wysjwsy kyao`f~o~f |cys~ohoo` gfisow oaoy joyvoo` go|ow
ecboj~o`ojo` wsao~ go` cc`o`a gc`ao` iofj go` icywo`aas`a mooi. Ogo|s`
^wysjwsy kyao`f~o~f \W. Io`j ^sb~cbioy Eojo~~oy ~cioaof icyfjsw =
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>6
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7. Gfycj~fIo`j gf|fe|f` kbch Gfycj~f vo`a wcygfyf goyf ~ckyo`a Gfycjwsy Swoeo" Gfycjwsy
Jc|owsho`" Gfycjwsy \ceo~oyo` go` Gfycjwsy Sese vo`a ifgo`a wsao~ go`
hsis`ao` jcymo`vo gfbojsjo` icygo~oyjo` jcwc`wso` vo`a gfwcwo|jo` kbch Gco`
\c`aoo~ go` icywo`aas`a mooi jc|ogo Asicy`sy Jc|obo Gocyoh WJ.F
^sboc~f ^cbowo` ecbobsf Gco` \c`aoo~.
Wowo wcywfi go` wowo noyo ec`mobo`jo` ds`a~f" wsao~ go` cc`o`a Gfycj~f gfowsy
go` gfwcwo|jo` kbch Gco` \c`aoo~ vo`a icy|cgkeo` jc|ogo jcwc`wso`
|cys`go`a%s`go`ao` vo`a icybojs.
Ogo|s` wsao~ go` wo`aas`amooi Gfycj~f vofws =
o. Gfycj~f icywo`aas`amooi |c`sh owo~ |cboj~o`oo` jc|c`wf`ao` io`j.i. Gfycj~f ec`acbkbo Io`j ~c~sof gc`ao` jcc`o`ao` go` wo`aas`amooi`vo
~cioaofeo`o gfowsy goboe O`aaoyo` Go~oy \cy~cyko` go` |cyowsyo`
|cys`go`a%s`go`ao` vo`a icybojs.
n. Gfycj~f ecboj~o`ojo` |yf`~f|%|yf`~f| Akkg Nky|kyowc Aktcy`o`nc (ANA&goboe ~cwfo| jcafowo` s~oho Io`j |ogo ~cbsysh wf`ajowo` owos mc`mo`a
kyao`f~o~f.
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79
g. Gfycj~f ec`f`gojbo`mswf wceso` osgfw go` ycjkec`go~f goyf ~owso` jcymo osgfwf`wcy` io`j" osgfwky cj~wcy`ob" go` ho~fb |c`aoo~o` Io`j F`gk`c~fo.
7. Jkefwco. Jkefwc Osgfw
?& Ecbojsjo` ctobso~f jc~c~sofo` Bo|kyo` Ho~fb \cecyfj~oo` (BH\& AOF(Sese go` Jhs~s~&" gc`ao` ~wo`goy |c`vs~s`o` bo|kyo` osgfw.
9& Ecbojsjo` ctobso~f go` eceio`gf`ajo` ycobf~o~f |cboj~o`oo` osgfw AOF|ogo noio`a%noio`a go` jo`wky |s~ow gc`ao` |cyc`no`oo` osgfw AOF
~cioaofeo`o vo`a wcyno`wse goboe \ykayoe Jcymo Osgfw Wohs`o`
(\JOW& vo`a wcboh gf~cwsmf Gfycjwsy Swoeo go` Gco` Jkef~oyf~.
>& Ecycjkec`go~fjo` |c`s`msjjo` Ojs`wo` F`gc|c`gc` s`wsj ecbojsjo`osgfw bo|kyo` jcso`ao` wohs`o` wohs` isjs 9
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7>
i& Jcifmojo` yces`cyo~f ioaf |cmoiow cj~cjswfd go` |caoof ~cnoyojc~cbsysho` s`wsj gf~oe|ofjo` jc|ogo Gfycj~f.
4& Ec`vs~s` go` eceicyfjo` ycjkec`go~f ec`ac`of ~f~wce ~cywo |yk~cgsy|cefbfho` go`+owos |c`aao`wfo` o`aakwo Gco Jkef~oyf~ s`wsj
gf~oe|ofjo` jc|ogo Yo|ow Sese \cecao`a ^ohoe (YS\^&.
1& Eceicyfjo` ycjkec`go~f ec`ac`of nobk` o`aakwo Gco` Jkef~oyf~go`+owos Gfycj~f jc|ogo Gco` Jkef~oyf~ sf`wsj gf~oe|ofjo` jc|ogo
YS\^.
8& Eceicyfjo` ycjkec`go~f ec`ac`of |fhoj f`gc|c`gc` vo`a ojo` ec`mogfo`aakwo jkefwc.
n. Jkefwc \ceo`wos Yc~fjk?& Ecbojsjo` ctobso~f wc`wo`a jc~c~sofo` o`woyo jcifmojo` eo`omcec`
yf~fjk gc`ao` |cboj~o`oo` jcifmojo` wcy~cisw.
9& Ecbojsjo` |ceo`woso` go` ctobso~f |cboj~o`oo` wsao~ jkefwceo`omcec` yf~fjk.
>& Eceicyfjo` ycjkec`go~f owo~ ho~fb |ceo`woso` go` ctobso~f |ogo |kf`w(?& go` (9& gfowo~" jc|ogo Gco` Jkef~oyf~.
7& Ecboj~o`ojo` wsao~ bof` vo`a gficyfjo` kbch Gco` Jkef~oyf~ ~c|o`mo`aeo~fh goboe bf`ajs| wsao~ go` jcomfio` Gco` Jkef~oyf~ icygo~oyjo`
jcwc`wso` go` |cyowsyo` |cys`go`a%s`go`ao` vo`a icybojs.
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77
3. ^wodd Ohbf^wod Ohbf gfo`ajow go` gficyhc`wfjo` gc`ao` ^syow Jc|sws~o` Asicy`sy JGH
WJ. F ^sboc~f ^cbowo`.
O`aakwo ^wod Ohbf wcygfyf goyf ~ows kyo`a owos bcifh ~c~sof jciswsho` vo`a
gfwcwo|jo` kbch Asicy`sy JGH WJ.F ^sboc~f ^cbowo` go` wsao~ cc`o`a`vo
ogoboh eceicyfjo` |o`go`ao`" ~oyo` owos |cywfeio`ao` Jc|ogo Gco`
\c`aoo~ gfef`wo owos wfgoj gfef`wo.
4. Gftf~f%Gftf~f?& Ays| \cyc`no`oo` go` \c`aceio`ao`
Ays| \cyc`no`oo` go` \c`aceio`ao` ece|s`vof wsao~ ec`vs~s`
|cyc`no`oo`" ecyctf~f" ec`aceio`ajo`" ec`as~sbjo` go` ecycjkec`go~fjo`
jc|ogo Gfycjwsy Swoeo ec`ac`of |cefjfyo`%|cefjfyo` ~wyowcaf~ |c`aceio`ao`
io`j ~cnoyo sese" go` ecbojsjo` yf~cw go` |ykek~f goboe yo`ajo
|c`aceio`ao` io`j.
S`wsj ec`vcbc`aaoyojo` wsao~`vo Gftf~f \cyc`no`oo` go`
\c`aceio`ao` ece|s`vof ds`a~f =
o. Ec`vs~s` yc`no`o jcymo io`j" iofj mo`ajo |c`gcj" ec`c`aoh" go` mo`ajo|o`mo`a.
i. Ecbojsjo` |c`cbfwfo` ec`ac`of |cyjceio`ao` io`j go` |cyjceio`ao`~wysjwsy cjk`kef go` jcso`ao`.
n. Ecbojsjo` |c`cbfwfo` wcyhogo| yc`no`o |ceio`as`o` gocyoh goboe yo`ajoec`afjsw ~cywojo` |cyo`o` io`j gfgoboe`vo.
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73
g. Ec`ase|sbjo`" ec`vs~s` go` ec`afjswf |cboj~o`oo` jcifmoj~o`oo`cjk`kef |cecyf`woh wcyswoeo gfifgo`a ek`cwcy go` |cyio`jo`.
c. Ec`vcbc`aaoyojo` ~sytcv go` ec`aogojo` o`obf~o |o~oy ~cnoyo sese s`wsjeceio`ws |c`fbofo` noyo |ykek~f ~sytcv.
d. Ec`as|ovojo` bo`ajoh%bo`ajoh jcymo~oeo gc`ao` |fhoj bof` goboe ifgo`ayf~cw go` |ykek~f.
a. Ecboj~o`ojo` ~wsgv io`gf`a goboe ifgo`a |cyc`no`oo` go` |c`aceio`ao`io`j.
h. Ec`as~sbjo` |cyiofjo` ~f~wce go` |yk~cgsy ~cywo wowo jcymo io`j goyf s`fw%s`fw kyao`f~o~f gc`ao` ece|cyhowfjo` jk`gf~f go` |cyowsyo` |cys`go`ao`
vo`a icybojs.
f. Ec`as~sbjo` |ykayoe go` bo`ajoh%bo`ajoh |c`aceio`ao` jcafowo` ifyk~c~sof jciswsho`.
m. Ecboj~o`ojo` wsao~%wsao~ bof` vo`a gficyfjo` kbch Gfycj~f.S`wsj ecboj~o`ojo` wsao~`vo" Gftf~f \cyc`no`oo` go` \c`aceio`ao`
gfbc`ajo|f gc`ao` =
?. Gc|w. \cyc`no`oo` go` O`aaoyo`9. Gc|w. \c`acbkboo` Kyao`f~o~f>. Gc|w. \c`aceio`ao` If~`f~ go` Moyf`ao`
9& Ays| Osgfw F`wcy`o. Ecek`fwkyf`a wcyhogo| wf`gojo` |cyiofjo` vo`a wcboh gf~cwsmsf icy~oeo
o`woyo wfe osgfw gc`ao` osgfwc.
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i. Ecbojsjo` osgfw dkbbk s`wsj eceo~wfjo` ioho wf`gojo`%wf`gojo`|cyiofjo` wcy~cisw wcboh ic`oy%ic`oy gfboj~o`ojo` ~c~sof gc`ao`
jc~c|ojowo` go` woyacw ojws vo`a gfwcwo|jo`
S`wsj ecboj~o`ojo` wsao~`vo" Ays| Osgfw F`wcy` gfbc`ajo|f gc`ao` =
o. Gc|w. Osgfw F`wcy` Fi. Gc|w. Osgfw F`wcy` FFn. Gc|w. Osgfw ^voyfoh
>& Ays| Eo`omcec` Yf~fjko& Ec`af`tc`woyf~fy go` eceo~wfjo` ~cbsysh ojwftfwo~ io`j gfgsjs`a kbch
~f~wce go` |yk~cgsy |cboj~o`oo`.
i& Ec`aoo~f" ec`aoyohjo` go` eceo~wfjo` jcifmojo`" ~f~wce go`|yk~cgsy io`j wcboh icymobo` ~c~sof gc`ao` jcwc`wso` vo`a icybojs" iofj
f`wcy` eos|s` c~jwcy`.
n& Ec`actobso~f go` ec`ajomf |cymo`mfo`+jk`wyoj o`woyo io`j gc`ao` |fhojbof``vo go` eceicyfjo` ~kbs~f owo~ eo~oboh vo`a gfhogo|f io`j.
g& Ecbojsjo` ~k~fobf~o~f jc|ogo ~cbsysh s`fw jcymo jo`wky |s~ow go` jo`wkynoio`a wcyhogo| jcwc`wso`" |cyowsyo` go` |cys`go`a%s`go`ao`.
S`wsj ecboj~o`ojo` wsao~`vo" Ays| Eo`omcec` Yf~fjk gfbc`ajo|f gc`ao` =
o. Gc|w. \c`ac`gobfo` Yf~fjki. Gc|w. Oge. \cbo|kyo`
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71
7& Ays| Jc|owsho`o&
Ays| Jc|owsho` ece|s`vof wsao~ ec`gf~wyfis~fjo` |cyowsyo`%|cyowsyo`
vo`a gfwcyifwjo` kbch Io`j F`gk`c~fo go` owos kwkyfwo~ bof``vo ~cjobfas~
ecbojsjo` ~k~fobf~o~f jc|ogo ayks| wcyjofw.
i& Ecboj~o`ojo` jomfo` wcyhogo| jcifmojo` go` owos |cyowsyo`%|cyowsyo`f`wcy`ob.
n& Ec`ase|sbjo` go` ec`vcgfojo` |cyowsyo`%|cyowsyo` f`wcy`ob Io`j^sb~cbioy.
g& Ecbojsjo` jomfo` wcyhogo| ~cwfo| |cymo`mfo`%|cymo`mfo` vo`a gfbojsjo`Io`j ^sb~cbioy gc`ao` |fhoj jcwfao.
c& Eceisow bo|kyo` owo~ ho~fb smf jc|owsho` go` ecbojsjo` o`obf~f~ owo~|c`afe|bcec`wo~fo` jc|owsho`.
d& \c`ac`obo` `o~oioh goboe yo`ajo ec`aoeo`jo` jcafowo` k|cyo~fk`objhs~s~`vo wcyjofw |ykayoe O`wf \c`nsnfo` So`a (O\S& go` \c`ncaoho`
\c`go`oo` Wcykyf~ec (\\W&.
a& Eceisow bo|kyo` ~cwfo| isbo``vo jc|ogo Gfycjwsy Swoeo gc`ao`wceis~o` Gco` Jkef~oyf~ wcyjofw |cboj~o`oo` wsao~%wsao~ ays|
jc|owsho`.
S`wsj ecboj~o`ojo` wsao~`vo" Ayks| Jc|owsho` gfbc`ajo|f gc`ao` =
o. Gc|w. Hsjse go` Jc|owsho`i. Gc|w. \c`ac`obo` @o~oioh
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3& Ays| \c`ac`gobfo` Jcso`ao`o.
Ecek`fwkyf`a eswo~f |ogo `cyono go` boio ysaf
i. Ec`voe|ofjo` bo|kyo` isbo`o` jc Io`j F`gk`c~fon. Ec`moao jchoyek`f~o` jf`cymo ~cnoyo f`wcy`ob go` ~cnoyo cj~wcy`ob.S`wsj ecboj~o`ojo` wsao~`vo" Ays| \c`ac`gobfo` Jcso`ao` gfbc`ajo|f
gc`ao` =
o. Gc|w. Ojs`wo`~f
i. ^cj~f \cbo|kyo` \omoj
n. Gc|w. EF^ go` \cbo|kyo`
4& Ays| F`dkyeo~f Wcj`kbkafAys| F`dkyeo~f Wcj`kbkaf ece|s`vof wsao~ ecbojsjo` |c`aceio`ao`
moyf`ao` jkes`fjo~f FW" gc`ao` ecbojsjo` ecjo`f~ec k`bf`c jc ~cbsysh
~owso` jcymo k|cyo~fk`ob Io`j ^sb~cbioy. S`wsj ecboj~o`ojo` wsao~`vo" Ays|
F`dkyeo~f Wcj`kbkaf gfbc`ajo|f gc`ao` =
o. Gc|w. \c`aceio`ao` FWi. Gc|w. K|cyo~fk`ob FWn. Gc|w. \c`ac`gobfo` FWg. Gc|w. Bfiyoyfo` go` Ogef`f~wyo~f
1& Ays| ^cjycwoyfow go` SeseGftf~f ^cjycwoyfow go` Sese ece|s`vof wsao~ goboe ifgo`a
jc~cjycwoyfowo`" ~syow ec`vsyow ifgo`a hsjse go` hsis`ao` eo~voyojow. S`wsj
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3. Gc|w. ^cwwbcec`w
?
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39
n. Ecbojsjo` ~k~fobf~o~f wcyhogo| |cyekhk`o` vo`a eo~sj.g.
Eceisow s~sbo` |ceifovoo` vo`a gf`fbof bovoj s`wsj gficyfjo` do~fbfwo~
|ceifovoo`.
c. Eceif`o go` ec`aoo~f ~cbsysh onnks`w |ceifovoo` vo`a wcbohgf~obsyjo`.
d. Ec`voe|ofjo` bo|kyo` isbo`o` noio`a jc jo`wky |s~ow owos|s` jc Io`jF`gk`c~fo.
a. Eceio`ws jo~fc |ceo~oyo` goboe |c`no|ofo` woyacw ds`gf`a.h. Icywo`aas`amooi goboe |yk~c~ |ceicyfo` |ceifovoo` vo`a ~c~sof
gc`ao` |yf`~f|%|yf`~f| ~voyfoh F~boe go` |cgkeo` |ykgsj |ceifovoo`
Io`j ^sb~cbioy.
S`wsj ecboj~o`ojo` wsao~`vo" ays| |ceo~oyo` gfbc`ajo|f gc`ao` =
?. Gc|w. Go`o \fhoj Jcwfao9. Gc|w. Jycgfw>. ^si. Gc|w. Jycgfw Efjyk7. ^si. Gc|w. Jycgfw \ykayoe3. ^si. Gc|w. Jycgfw Jk`~secy4. ^si. Gc|w. Jycgfw Jkecy~fb1. Gc|w. ^s|cytf~f Jycgfw8. Gc|w. Jycgfw Jhs~s~6. ^si. Gc|w. \c`vcbceowo` go` \c`vcbc~ofo` Jycgfw?
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3>
??&Ays| S`fw S~oho ^voyfohAys| S`fw S~oho ^voyfoh ece|s`vof wsao~ ecbojsjo` ctobso~f s`wsj
eceo~wfjo` Io`j wcboh ecec`shf ~cbsysh |cyowsyo` Io`j F`gk`c~fo go`
|cyowsyo` |cys`go`a%s`goao` bof` vo`a icybojs goboe yo`ajo |cboj~o`oo`
|yf`~f| jchowf%howfo`.
S`wsj ecboj~o`ojo` wsao~`vo" Ays| S`fw S~oho ^voyfoh gfbc`ajo|f gc`ao` =
o. Gc|w. Ojs`wo`~f go` \cbo|kyo`
i. Gc|w. Wyco~syv go` \ceo~oyo`
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37
IOI T
HO^FB \C@CBFWFO@ GO@ \CEIOHO^O@
3.?. Gc~jyf|~f Yc~|k`gc`
S`wsj ecesgohjo` goboe |c`cbfwfo` f`f" eojo |c`sbf~ ec`vcioyjo`
jsc~fk`cy jc|ogo ~cmseboh yc~|k`gc`" gfeo`o goboe gc~jyf|~f yc~|k`gc` eojo
wsmso` |c`cbfwfo` f`f ogoboh s`wsj ec`acwohsf ~cmosh eo`o hsis`ao` jsobfwo~ bovo`o`
wcyhogo| jc|so~o` `o~oioh |ogo \W. Io`j ^sb~cbioy gf Eojo~~oy.
Gc~jyf|~f yc~|k`gc` f`f" gfjcwohsf ioho ~oe|cb vo`a wcybfiow bo`a~s`a
goboe |c`af~fo` jsc~fk`cy gfwc`wsjo` ~cic~oy ?3 3< wohs` go` gf owo~ 33 wohs`. Kbch joyc`o fwsboh ojo`
gf~omfjo` gc~jyf|~f sesy yc~|k`gc` vo`a go|ow gfbfhow |ogo woicb F vofws ~cioaof
icyfjsw =
37
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33
WOICB F
JOYOJWCYF^WFJ YC^\K@GC@ ICYGO^OYJO@ S^FO
@k.S~fo Yc~|k`gc` Wo`aao|o` Yc~|k`gc`
Kyo`a #
? Gfiooh 93 wohs` 8 8"3 9> 9>" >33< 71 71"3
7 0 33 99 99"6 >6"
Io`j ^sb~cbioy ~c~sof gc`ao` hoyo|o` `o~oioh (esbof goyf jcwc|owo` ojws"
|cbovo`o` vo`a ~oeo s`wsj ~ceso `o~oioh wo`|o jc~oboho` go` bof`" yowo%yowo
mooio` yc~|k`gc` ogoboh `cwyob voj f ~cic~oy 71"1"&Yc~|k`~ftc`c~~Govo wo`aao| owos yc~|k`~ftc`c~~ icyjc`oo` gc`ao` jc~cgfoo` go`
jceoe|so` |oyo joyvoo` s`wsj eceio`ws |oyo |cbo`aao` go` ecyc~|k`~
|cyef`woo` ecycjo" ~cywo ec`af`dkyeo~fjo` jo|o` mo~o ojo` gficyfjo` go` jcesgfo`
eceicyfjo` mo~o ~cnoyo wc|ow. Ogo|s` wo`aao|o` yc~|k`gc` ec`ac`of toyfoicb
yc~|k`~ftc`c~~ wo`aao|o` joyvoo` go|ow gfbfhow ecbobsf woicb icyfjsw f`f =
WOICB TFF
WO@AAO\O@ YC^\K@GC@ EC@AC@OF TOYFOICBYC^\K@^FTC@C^^
@k \cy`vowoo`
Wo`aao|o` Yc~|k`gc`
`? 9 > 7 3
^W^ W^ @ ^ ^^
?. Joyvoo` \W. Io`j ^sb~cbioy yoeo
go` jkes`fjowfd?"
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47
Icygo~oyjo` woicb TFF voj`f wo`aao|o` yc~|k`gc` ec`ac`of toyfoicb
yc~|k`~ftc`c~~" gc`ao` |cywo`voo` ioho joyvoo` \W. Io`j ^sb~cbioy yoeo go`
jkes`fjowfd" eojo yowo%yowo yc~|k`gc` eceicyfjo` mooio` `cwyob voj`f ~cic~oy
38"
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43
WOICB TFFF
WO@AAO\O@ YC^\K@GC@ OWO^ TOYFOICBO^^SYO@NC(MOEF@O@&
@k. \cy`vowoo`
Wo`aao|o` Yc~|k`gc`
`? 9 > 7 3
^W^ W^ @ ^ ^^
?. Joyvoo` \W. Io`j ^sb~cbioyecefbfjf |c`acwohso` vo`a
iofj wc`wo`a |ykgsj%|ykgsj
vo`a gfwooyjo` kbch Io`j
^sb~cbioy
3"8"
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44
Goyf wo`aao|o` yc~|k`gc` ec`ac`of toyfoicb o~~syo`nc gc`ao` |cywo`voo`
ioho Joyvoo` \W. Io`j ^sb~cbioy ecefbfjf |c`acwohso` vo`a iofj wc`wo`a
|ykgsj%|ykgsj vo`a gfwooyjo` kbch Io`j ^sb~cbioy" `oe|oj ioho ~cioafo` ic~oy
yc~|k`gc` eceicyfjo` mooio` ~cwsms voj`f ~cic~oy 79"
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48
eceohef jcf`af`o` ~ovo" gfgkef`o~f mooio` wcyio`voj yc~|k`gc` ogoboh ~cwsms
voj`f ~cic~oy 36"
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46
Icygo~oyjo` wo`aao|o` yc~|k`gc` ec`ac`of Jcicy~fho` \W. Io`j ^sb~cbioy
eceicyfjo` jc|so~o` |ogo `o~oioh" eojo ~cioafo` ic~oy yc~|k`gc` eceicyfjo`
mooio` ~cwsms voj`f ~cic~oy 46".?. Smf Tobfgfwo~
Ec`sysw Gf (9
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1?
`fbof jkycbo~f gf owo~ fwce |cywo`voo` wcy`vowo
~ceso fwce |cywo`voo` ecefbfjf jf~oyo` jkycbo~f gf owo~ fwce |cywo`voo`" gfeo`o ecefbfjf jf~oyo` jkycbo~f gf owo~ goyf >
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19
Ycbfoifbfwo~ vo`a jsyo`a goyf
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17
|c`f`ajowo` toyfoicb yc~|k`~ftc`c~~ ojo` icy|c`aoysh wcyhogo| jc|so~o` `o~oioh
~cic~oy #" ~cgo`ajo` i3X3 5
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13
?. Smf |oy~fob wo`afibc gc`ao` jc|so~o` `o~oiohGoboe smf |oy~fob" ec`sysw ^f`aafh" ^. (9
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14
3. Smf |oy~fob ce|howv gc`ao` jc|so~o` `o~oiohIcygo~oyjo` ho~fb smf |oy~fob o`woyo ce|howv gc`ao` jc|so~o` `o~oioh eojo
gf|cykbch `fbof | tobsc 5
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11
IOI TF
\C@SWS\
4.?. Jc~fe|sbo`
Ogo|s` jc~fe|sbo` goyf ho~fb o`obf~f~ go` |ceioho~o` ec`ac`of |c`aoysh
jsobfwo~ bovo`o` wcyhogo| jc|so~o` `o~oioh" eojo go|ow gfwoyfj icicyo|o jc~fe|sbo`
vofws ~cioaof icyfjsw =
?. Icygo~oyjo` ho~fb o`obf~f~ ycayc~f" voj`f gfec`~f jsobfwo~ bovo`o` gc`ao`jc|so~o` `o~oioh vofws = wo`afibc" ycbfoifbfwv" yc~|k`~ftc`c~~" o~~syo`nc go`
ce|howv vo`a ec`s`msjjo` ioho jcbfeo gfec`~f jsobfwo~ bovo`o` icy|c`aoysh
~cnoyo ~fa`fdfjo` wcyhogo| |c`f`ajowo` jc|so~o` `o~oioh ~cioi ecefbfjf `fbof
tobsc 2
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18
?. Gf~oyo`jo` oaoy goboe ec`f`ajowjo` jc|so~o` `o~oioh eojo |fhoj eo`omcec`|cys~ohoo` ~ciofj`vo ec`f`ajowjo` jsobfwo~ |cbovo`o` jc|ogo `o~oioh" ~cbof`
fws gc`ao` ec`oeioh ~oyo`o go` |yo~oyo`o yso`a |cbovo`o`.
9. Gf~oyo`jo` |sbo oaoy |cybs`vo |fhoj Eo`omcec` |cys~ohoo` bcifh ec`f`ajowjo`ec`ac`of eo~oboh toyfoicb yc~|k`~ftc`c~~ voj`f gc`ao` noyo |c`voeiswo`
jc|ogo `o~oioh vo`a ioys gowo`a s`wsj ec`ois`a" ~cbof` fws |fhoj joyvoo`
gfhoys~jo` eceio`ws go` ec`gc`aoyjo` ~caobo jcbsho` |oyo `o~oioh" hob f`f
gfeoj~sgjo` s`wsj bcifh ec`f`ajowjo` jc|so~o` jc|ogo `o~oioh vo`a icyoywf
jc|so~o` `o~oioh ojo` ~ceojf` ec`f`ajow.
>. Gf~oyo`jo` oaoy |cybs`vo gfbojsjo` |c`f`ajowo` |cbovo`o` isjwf df~fj vofwsdo~fbfwo~ df~fj vo`a ec`oyfj ioaf `o~oioh" ~c|cywf = jsy~f" ecmo woes" WT"
f`dkyeo~f go` ek`fwkyf`a.
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16
GODWOY \S^WOJO
Obeo Isnhoyf" 9
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8 7 3
> Yso`ao` \W. Io`j ^sb~cbioy ecefbfjfdo~fbfwo~ df~fj vo`a ec`oyfj ioaf
`o~oioh (jsy~f" go` ecmo woes" WT"f`dkyeowfk`" ek`fwkyf`a gbb&
? 9 > 7 3
i. Ycbfoifbfwv (Bovo`o` Jcho`gobo`&@k.
Fwce
\cy`vowoo` ^W^ W^ @ ^ ^^
? Joyvoo` Io`j ^sb~cbioy eceicyfjo`
|c`aoyoho` owo~ jcs`aasbo` |ykgsj
vo`a gfwooyjo` kbch Io`j ^sb~cbioy
? 9 > 7 3
9 Jf`cymo joyvoo` \W. Io`j ^sb~cbioy
~c~sof gc`ao` hoyo|o` `o~oioh (esbofgoyf jcwc|owo` ojws" |cbovo`o` vo`a
~oeo s`wsj ~ceso `o~oioh wo`|o
jc~oboho` go` bof`
? 9 > 7 3
> Joyvoo` \W. Io`j ^sb~cbioy wcybcifh
gohsbs ecef`wo eood jc|ogo `o~oioh
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o|oifbo wcy|oj~o hoys~ ec`s`aasjoyc`o joyvoo` wcy~cisw ~cgo`a
ecboj~o`ojo` wyo`~oj~f gc`ao` `o~oiohbof`
? 9 > 7 3
n. Yc~|k`~ftc`c~~ (Bovo`o` Wo`aao|o`&@k.
Fwce\cy`vowoo` ^W^ W^ @ ^ ^^
? Joyvoo` \W. Io`j ^sb~cbioy yoeo go`
jkes`fjowfd
? 9 > 7 3
9 Joyvoo` \W. Io`j ^sb~cbioy
eceicyfjo` ~sasho` icys|o |cyec`
? 9 > 7 3
> Joyvoo` \W. Io`j ^sb~cbioyec`o`ao`f |cyef`woo` `o~oioh iofj
vo`a gfgohsbs
? 9 > 7 3
g. O~~syo`nc@k.
Fwce
\cy`vowoo` ^W^ W^ @ ^ ^^
? Joyvoo` \W. Io`j ^sb~cbioy ecefbfjf
|c`acwohso` vo`a iofj wc`wo`a |ykgsj%|ykgsj vo`a gfwooyjo` kbch Io`j
^sb~cb
? 9 > 7 3
9 Joyvoo` Io`j ^sb~cbioy ~cbobs
eceif`o hsis`ao` vo`a iofj gc`ao`
`o~oioh
? 9 > 7 3
> Joyvoo` \W. Io`j ^sb~cbioyec`o`ao`f |ykgsj vo`a gfwooyjo`
gc`ao` iofj jc|ogo `o~oioh eos|s`
jc|ogo nobk` `o~oioh
? 9 > 7 3
7 \oyo joyvoo` \W. Io`j ^sb~cbioy
yoeoh goboe ecbovo`f `o~oioh
? 9 > 7 3
3 Feoac owos nfwyo \W. Io`j ^sbcbioy gfeowo eo~voyojow owos `o~oioh nsjs|wcy|cynovo
? 9 > 7 3
4 \oyo joyvoo` \W. Io`j ^sb~cbioy
wcybowfh gc`ao` iofj
? 9 > 7 3
1 \oyo joyvoo` \W. Io`j ^sb~cbioy f`f
jke|cwc`
? 9 > 7 3
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8 Moef`o` \W. Io`j ^sb~cbioy wcyhogo|jcoeo`o` go`o `o~oioh vo`a gf~fe|o`
? 9 > 7 3
c. Ce|howv (Bovo`o` Ce|owf&@k.
Fwce
\cy`vowoo` ^W^ W^ @ ^ ^^
? ^ovo ecyo~o gf|cybojsjo` gc`ao` iofj
kbch joyvoo` Io`j ^sb~cbioy
? 9 > 7 3
9 \oyo joyvoo` ~cboeo wyo`~oj~f
ece|cybojsjo` `o~oioh gc`ao` iofj ? 9 > 7 3
> Io`j ^sb~cbioy eceohoef jcf`af`o`
~ovo
? 9 > 7 3
7 \oyo joyvoo` Io`j ^sb~cbioy
eceicyfjo` |c`mcbo~o` wc`wo`ajcs`aasbo` |ykgsj vo`a gf|o~oyjo` ? 9 > 7 3
3 \cyhowfo` joyvoo` wcyhogo| `o~oiohvo`a jke|bof`
? 9 > 7 3
d. Jc|so~o` `o~oioh@k.
Fwce
\cy`vowoo` ^W^ W^ @ ^ ^^
? Jcicy~fho` \W. Io`j ^sb~cbioy
eceicyfjo` jc|so~o` |ogo `o~oioh
? 9 > 7 3
9 Jcyoeoho` |oyo joyvoo` goboeecbovo`f `o~oioh
? 9 > 7 3
> Jcnc|owo` |oyo joyvoo` \W. Io`j
^sb~cbioy goboe ecbovo`f `o~oioh
eceicyfjo` jc|so~o` ioaf `o~oioh
? 9 > 7 3
7 Feoac owos nfwyo \W. Io`j ^sb~cbioy gf ? 9 > 7 3
