tag:blogger.com,1999:blog-55883697168417843342024-03-20T23:07:35.149+08:00Living Healthy, Staying WealthyLauhttp://www.blogger.com/profile/03157935468710678247noreply@blogger.comBlogger306125tag:blogger.com,1999:blog-5588369716841784334.post-9879104223278706932015-11-24T11:15:00.000+08:002015-11-24T11:15:19.183+08:003 Questions To Ask Your Insurance Agent<div class="MsoNormal">
<span style="font-family: inherit;">I was walking along a bus interchange and there was a road
show by a prominent insurance company. There were many agents approaching
anyone who dared to venture near them. Obviously, that created a kind of inconvenient
bottom neck along the walking path as many avoided the area.<o:p></o:p></span></div>
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<span style="font-family: inherit;"><br /></span></div>
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<span style="font-family: inherit;">That got me wondering - Why are people so afraid of
Insurance Agents?<o:p></o:p></span></div>
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<span style="font-family: inherit;">Perhaps it is the confusion towards approaching an agent
prepared. Hence, I thought of some things to ask beforehand for a meaningful
session.<o:p></o:p></span></div>
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<br /></div>
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<span style="font-family: inherit;"><b>Qn 1 – What experience do you have?</b><o:p></o:p></span></div>
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<span style="font-family: inherit;"><br /></span></div>
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<span style="font-family: inherit;">Much like going to see any professional, i.e. a doctor,
surgeon, dentist, lawyer, etc, one needs to have the confidence. So, it is a
fundamental question as to the agent’s qualifications and licensing.<o:p></o:p></span></div>
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<span style="font-family: inherit;"><br /></span></div>
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<span style="font-family: inherit;">In addition, we would like to hear the agent’s history to
handling past claims or investment track record.<o:p></o:p></span></div>
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<span style="font-family: inherit;"><br /></span></div>
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<span style="font-family: inherit;"><b>Qn 2 – What are your fees?</b><o:p></o:p></span></div>
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<span style="font-family: inherit;">This seems like such an obvious question that many neglect
to ask. However, it is also a basic question. Would you look at the price tag
of something before you purchase? Would you like to know the doctor’s fees
before treatment?<o:p></o:p></span></div>
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<span style="font-family: inherit;">So, take time to understand how much the agent is paid and
that you are comfortable to proceed. It will also reveal their honesty. There
is no such thing as a free lunch.<o:p></o:p></span></div>
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<span style="font-family: inherit;"><b>Qn 3 – What is your approach to planning, recommendation and
servicing should we proceed?</b><o:p></o:p></span></div>
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<span style="font-family: inherit;">I would think expectations need to be clear and the stage
set right before proceeding. Hence, it is important to know at least an
overview of the agent’s approach to every step of the process from checking,
diagnosis, recommendation and finally servicing. <o:p></o:p></span></div>
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<span style="font-family: inherit;"><br /></span></div>
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<span style="font-family: inherit;">Who – Anyone else supporting if you are not available? What
– The commitment required on my part? When – How often and how much time will
you need? Where – A proper location to discuss? (Personally, I am not
comfortable sharing personal financial details at McDonalds or Starbucks, are
you?) Why – Why should I proceed with you and not someone else? How – If all is
well, how do we proceed now?<o:p></o:p></span></div>
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<span style="font-family: inherit;"><br /></span></div>
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<span style="font-family: inherit;">So now, I tried these questions with one of the agents who
approached me and summary of the response: Qn 1 – I am new and not much
experience yet, but do still give me a chance; Qn 2 – Don’t worry, no
obligation and if you sign up today, you can even get a Camera; Qn 3 – The
approach is to start saving with this “fantastic” plan at $500 a month.<o:p></o:p></span></div>
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<span style="font-family: inherit;"><br /></span></div>
<span style="line-height: 107%;"><span style="font-family: inherit;">Oh well, maybe some agents are not prepared
either…</span></span>Lauhttp://www.blogger.com/profile/03157935468710678247noreply@blogger.com3tag:blogger.com,1999:blog-5588369716841784334.post-86591651147046266182015-02-06T22:05:00.000+08:002015-02-06T22:05:19.600+08:003 Powerful Yet Simple Money Saving Tips<div dir="ltr" style="line-height: 1.1500000000000001; margin-bottom: 10pt; margin-top: 0pt;">
<span style="font-family: Calibri; font-size: 15px; line-height: 1.15; white-space: pre-wrap;">January has just ended and we are over a month into 2015. For those who still remember your new year resolutions, how is the progress? If it is going downhill, another opportunity is just round the corner, Lunar New Year resolutions! *Smile* This topic arose during a recent conversation and it seems most of us had a new year resolution to save more money this year.</span></div>
<div dir="ltr" style="line-height: 1.1500000000000001; margin-bottom: 10pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-family: Calibri; font-size: 15px; font-style: normal; font-variant: normal; font-weight: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Out of curiosity, I did a search online for some life hacks on money saving tips. There was so much advice on a variety of creative ways to save. However, I felt that majority were advocating difficult or compromising ways of simply being frugal. For example, dining out less often, giving up expensive habits like smoking or drinking, take public instead of driving or simply spending less.</span></div>
<div dir="ltr" style="line-height: 1.1500000000000001; margin-bottom: 10pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-family: Calibri; font-size: 15px; font-style: normal; font-variant: normal; font-weight: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">No wonder resolutions fail. However, I did find 3 simple yet useful tips from the sea of overwhelming information.</span></div>
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<span style="background-color: transparent; color: black; font-family: Calibri; font-size: 15px; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><b>1. Paying By Credit Card</b></span></div>
<div dir="ltr" style="line-height: 1.1500000000000001; margin-bottom: 10pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-family: Calibri; font-size: 15px; font-style: normal; font-variant: normal; font-weight: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">This may seem counter intuitive but the right credit card can actually help to save without compromising on the same purchase. Simply sign up at least 1 card from each bank and before paying, casually ask if there is any credit card promotions. Chances are if there is, it will usually save 10% to 20% off just like that. Even if there isn’t, using the appropriate card for the specific purpose will also help to save. For example, supermarket purchases can get 6% cash back and online purchases can get 7% cash back with Standard Chartered Singpost card; Weekend dining has 6% cash back with the OCBC 365 card; co-brand cards get more rebates, etc (Of course, the respective terms and conditions apply).</span></div>
<div dir="ltr" style="line-height: 1.1500000000000001; margin-bottom: 10pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-family: Calibri; font-size: 15px; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><b>2. Doing Research First</b></span></div>
<div dir="ltr" style="line-height: 1.1500000000000001; margin-bottom: 10pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-family: Calibri; font-size: 15px; font-style: normal; font-variant: normal; font-weight: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">That leads to point 2, doing the research for the right credit card. Nowadays with the availability of online connectivity, a quick check online will be able to do a comparison almost instantly. Just checking online if there is a cheaper alternative for the same item being purchased can help to save without compromising. So, simply do a check before purchasing groceries, air tickets, appliances, gadgets, etc. This can also be extended to research for the best deposit interest rates or mortgage rates for re-financing. For example, OCBC 360 Account gives 3.05% p.a. for a savings account if 3 simple conditions are met; POSB is giving 1.88% p.a. for a 1 year fixed deposit equivalent arrangement, etc (Again, the respective terms and conditions apply).</span></div>
<div dir="ltr" style="line-height: 1.1500000000000001; margin-bottom: 10pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-family: Calibri; font-size: 15px; font-style: normal; font-variant: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><b>3. Planning Purchases</b></span></div>
<div dir="ltr" style="line-height: 1.1500000000000001; margin-bottom: 10pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-family: Calibri; font-size: 15px; font-style: normal; font-variant: normal; font-weight: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Last point to wrap up is to take advantage of certain time frame promotions. For certain purchases that are not urgent or can be paid ahead of time, it would be beneficial to hold the purchase for certain promotion periods like the Great Singapore Sale (GSS), Christmas Sales or like the recent SF50 promotion. Relating back to the first point, to fulfill the terms and conditions of the credit card, there is no point to “over-spend” and exceed the cash back limit within a certain period and subsequently not able to meet the next month, spread out the expenses or wait until the next billing cycle if possible.</span></div>
<span id="docs-internal-guid-e37700f0-5f33-adfc-7f7a-515b143406cf"></span><br />
<div dir="ltr" style="line-height: 1.1500000000000001; margin-bottom: 10pt; margin-top: 0pt;">
<span style="background-color: transparent; color: black; font-family: Calibri; font-size: 15px; font-style: normal; font-variant: normal; font-weight: normal; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Well, I hope these tips will prove useful to help save a little more as they are not impossible to do and most importantly, it does not compromise the lifestyle to be a scrooge. Do share if you have tips that have worked for you.</span></div>
Lauhttp://www.blogger.com/profile/03157935468710678247noreply@blogger.com0tag:blogger.com,1999:blog-5588369716841784334.post-16737260617710298022014-12-16T15:40:00.000+08:002014-12-16T15:40:30.798+08:005 Poor Money Decisions Due To Peer PressurePeer pressure is usually associated with teenagers who are at a phase that they are easily influenced. What comes to mind is the persuasion of friends to try out smoking or drinking. However, it also subconsciously has a huge influence in adulthood when making certain financial decisions.<br />
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1. Property<br />
In Singapore, our residential property for most of us will be the single most expensive purchase in our lives. When making the huge decision of which property, the often heard advice is “the bigger the better”. Reason is many people drawing reference from historical performance, property prices in Singapore only goes upward. So, with leverage, the potential for absolute appreciation is better for bigger properties. Hence, peer pressure to get larger units.<br />
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2. Travel <br />
A common expensive “hobby” among Singaporeans has to be travelling, so much so that it has become surprising, even shocking, if someone mentions that they have not travelled overseas over the year! In addition, it has become sort of a competition to go more and more exotic locations. Hence, peer pressure to be a globe trotter.<br />
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3. Dining <br />
There is now a need to find unique dining experiences during occasions. Be it a birthday, anniversary, promotion treats, farewell and even weddings. Many a times comparison is drawn that the previous time at so and so place was amazing, this time needs to outdo the last. Hence, peer pressure to fancy dining places.<br />
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4. Accessories <br />
For lack of a better word, this would be all the things people buy. Like cars, watches, handphones, handbags, jewelry, proposal rings, shoes, clothing, gadgets, etc, just to name a few. It has sort of become a norm that if certain things are not changed in 2 years or if they are not branded, you are classified as a dinosaur or cheapo that owns something belonging to a museum. Hence, peer pressure to keep buying.<br />
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5. Gifting<br />
This would be more of a “face” (Chinese – Mian Zi) issue and I just realized that there is simply no direct English translation for this. An attempt to translate will be to preserve the honor, dignity and reputation. So, to save “face”, the gift for occasions need to measure up to expectations. There are even guidelines online for the “market rate”. Gifts mean during occasions like birthdays, weddings, funerals, baby showers and any other celebrations. Hence, peer pressure to give bigger ang pao-s (red packets).<br />
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And a sixth one just for parents - Children. This deserves a whole separate topic for cradle to grave. It starts with comparing which gynecologist/hospital, milk powder, childcare, extra classes to growing up tuition and grades. Hence, peer pressure to provide better for children.<br />
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Overcoming peer pressure, especially during adulthood, is easier said than done. We may think we have out grown it, but in actual fact, our decisions are often influenced by marketing, the environment, society and simply those around us.<br />
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Well, everything within ones means - do not yield to peer pressure and over stretch the finances. Merry Christmas and A Happy New Year!<br />
Are you guilty of the above as well? Do share in the comments.Lauhttp://www.blogger.com/profile/03157935468710678247noreply@blogger.com3tag:blogger.com,1999:blog-5588369716841784334.post-16406408562310579692014-12-09T11:23:00.003+08:002014-12-09T11:23:23.240+08:00Mortgage Management: CPF, HDB or BankAfter a fruitful discussion with a friend who was considering among the options of (1) using CPF to pay in full, (2) take a HDB loan or (3) take a bank loan for his HDB flat, I did quite a lot of calculations, so I thought I might as well share it, in case there are others who face the same dilemma.<br />
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Option 1 will need to be the reference point. Based on the assumption of $100k as a ball park figure in CPF where any other amount can be multiplied from. Time frame will be another consideration, but will pick a short time frame of 5 years and any other tenure will compound the differences further.<br />
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Option 1, CPF will determine the opportunity cost which will be using (1.25^5 – 1) = $13k.<br />
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Option 2 (assuming the $100k in CPF is squirreled away in a CPF investment before it gets wiped out and then placing it back), HDB loan with 2.6% interest, will be a monthly installment of $1,780 paying $6,800 in interest, approximately earning about $4,660 in CPF interest and creating an opportunity cost of $8,145.<br />
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Option 3, bank loan with 1.2% interest on average. Monthly installment of $1,718 paying $3,080 in interest, approximately earning about $4,846 in CPF interest and creating an opportunity cost of $7,861.<br />
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Conclusion:<br />
Option 1 – Pros, save paying anyone any interest. Cons, creates a huge opportunity cost “deficit” owing back to CPF without earning any actual interest.<br />
Option 2 – Pros, interest rate is fixed and can at least have some CPF earnings. Cons, high interest is loss to HDB as the interest charged is higher than interest earned.<br />
Option 3 – Pros, interest rate is lower than CPF rate at the moment and hence interest earned is higher than the interest paid to the bank. Cons, rate is variable and interest is loss to the bank.<br />
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Well, my opinion at this point in time will be to proceed with a bank loan and maximum tenure. Until the point in time where the bank floating rate exceeds the CPF rate of 2.5%, will re-evaluate the options based on the new assumptions at that point in time. Options are to pay in full or re-finance with possibly a fixed rate and different tenure, however, HDB is no longer allowed.<br />
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Do share your comments for discussion if you have a differing opinion. Thanks.Lauhttp://www.blogger.com/profile/03157935468710678247noreply@blogger.com14tag:blogger.com,1999:blog-5588369716841784334.post-81719427083992041622014-05-31T11:56:00.001+08:002014-05-31T11:58:07.949+08:005 Financial Mistakes Most Regret CommittingAfter meeting and planning for so many people, I start to find that a common pattern was forming. Many a times, they comment regrettably making some kind of financial mistakes. So, here are the 5 most often heard ones.<br />
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#1 I regret not having a budget<br />
This is no surprise. Budgeting is such an important life skill and yet it is not taught in any school in Singapore while I was growing up. We learn how to differentiate, sin/cos/tan, Pythagoras theorem, etc by age 16. But know absolutely nothing on how to manage money properly. In addition, I am also quite certain, many school teachers know very little on this subject as well.<br />
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#2 I regret not having an emergency fund<br />
Without a proper budget to save, it would be very challenging to build an emergency fund. I was also astonished when some even mentioned that they could resort to borrowing if the need arises. No wonder the concept of insurance seems so repulsive when this basic concept of an emergency fund to insure against the unforeseen is not even present.<br />
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#3 I regret the kind of spending lifestyle<br />
It is only after the fact that regrets sets in. At the initial stage, many would desire the instant gratification, without much consideration of the consequences. After some time, most realize that keeping up with the Jones, chasing the latest fads and trends amount to nothing. This unsustainable spending for the sake of “face” – the lavish wedding, luxurious honeymoon, upgrading cars, latest gadgets & fashion, etc was pretty much pointless.<br />
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#4 I regret not investing appropriately<br />
They are mainly divided into 2 groups. First, those who regret not investing at all, and see their savings and income not keep up with inflation. Second, those who invest but not appropriately, sometimes taking ill advise from others to invest and ultimately suffered a substantial loss. It is important to learn about investing to invest appropriately as one should take ownership of one’s own investments. Moreover, learn early to start investing at an early stage.<br />
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#5 I regret not taking up health insurance early<br />
When one is healthy, the thought of falling ill would have been very remote. Hence, the concern of having coverage is the least of concerns. Usually, it is only when a health screening or pain sets in and the diagnosis require medical attention, before reality sets in. By that time, it may be too late to take up any health insurance. Some may even think that the employers group insurance is sufficient, only to realize near retirement that they will not be working and covered forever.<br />
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I feel fortunate to have heard these points at a young age and can learn from others. I share this in a hope that others will not commit the same mistakes.Lauhttp://www.blogger.com/profile/03157935468710678247noreply@blogger.com7tag:blogger.com,1999:blog-5588369716841784334.post-81762150315316525012014-04-19T09:14:00.001+08:002014-04-19T09:15:50.859+08:00Top 3 Savings Account In Singapore<span style="font-family: sans-serif; font-size: small;">As the competition for deposits heats up among the banks, it seems the consumer is the one benefiting from it. Based solely on the criteria of advertised interest rates and not taking into consideration banking hours, availability of ATMs, service level, etc.</span><br />
<span style="font-family: sans-serif; font-size: small;"> </span><span style="font-size: small;">
</span><br />
<span style="font-family: sans-serif; font-size: small;">Number 1: OCBC recently launched the 360
Account that pays up to 3.05% interest on up to $50,000 deposited
provided the required criteria are met. Firstly, crediting a salary of
more than $2,000 into the account. Secondly, paying any 3 separate
bills. Thirdly, spending at least $400 on any OCBC credit card. All of
which seems reasonable to achieve. I am sold on it and April will be my
first month to see if it indeed lives up to the hype as promised.</span><br />
<span style="font-family: sans-serif; font-size: small;"> </span><span style="font-size: small;">
</span><br />
<span style="font-family: sans-serif; font-size: small;">Number 2: A similar account is the
BonusSaver from SCB. However, the criterion for that account was more
challenging and less attractive. It pays 1.88% interest on up to $25,000
deposited, provided at least $500 is spent on the credit card.
Personally, I closed it after 6 months as it was not suitable for me.</span>
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<span style="font-size: small;"><br /></span>
<span style="font-family: sans-serif; font-size: small;">Number 3: Lastly, the best savings account
that pays 0.8% interest with minimal conditions is still CIMB StarSaver
Which is even higher than some banks’ fixed deposit rates.</span>
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<span style="font-size: small;"><br /></span>
<span style="font-family: sans-serif; font-size: small;">There are a couple of others
that advertise rates like 2.014% from POSB and 2.5% from Citibank, but
the terms and conditions are very different. Like it only applies on the
incremental amount and for a limited period only.</span>
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<span style="font-size: small;"><br /></span>
<span style="font-family: sans-serif; font-size: small;">Do note, of course, that interest rates are all quoted per annum basis. In case some are dreaming it is too good to be true.</span><br />
<span style="font-family: sans-serif; font-size: small;"> </span><span style="font-size: small;">
</span><br />
<span style="font-family: sans-serif; font-size: small;">Anyone has any better to share?</span><br />
<span style="font-size: small;"><br /></span>
<span style="font-family: sans-serif; font-size: small;">Cheers! </span>
Lauhttp://www.blogger.com/profile/03157935468710678247noreply@blogger.com0tag:blogger.com,1999:blog-5588369716841784334.post-87583584816329646622014-03-06T13:43:00.002+08:002014-03-06T13:43:50.336+08:00What Do You Do With Your Children Ang Bao Money?It is the Lunar New Year and it is Chinese custom to give red packets (or Ang Bao) with money to children during this festival.<br />
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What do parents usually do with this money collected? Most usually squirrel it away with no particular objective in mind. This often results in it being spent on rewards for the children when doing well academically in future.<br />
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A pleasant goal proposed was to use it to fund their future university education fees. This gives parents’ a focus and also Children to take some ownership of their own future. But is it even possible for the Ang Bao money to be sufficient?<br />
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Making some assumptions and working out the figures:<br />
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NUS annual fees according to their website are $7,650 for the average course of study.<br />
Assuming an average course is 3 years = $22,950 total fees.<br />
Assuming education inflation of 3% for 20 years = about $40,000.<br />
Assuming a rate of return at 8% over 20 years = about $800 monthly required.<br />
Based on my own market research, the average Ang Bao received discounting parents’ contribution is about $300.<br />
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Hence, if each parent makes up the reminder $500 by forking out $250 each, that makes the goal of achieving the education funding, provided all the assumptions pan out.<br />
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Gong Xi Fa Cai! And may everyone Ma Shang You Qian!Lauhttp://www.blogger.com/profile/03157935468710678247noreply@blogger.com1tag:blogger.com,1999:blog-5588369716841784334.post-41728805454724033022014-01-01T22:20:00.000+08:002014-01-01T22:20:33.783+08:00A Healthy & Wealthy 2014The Earth has made one round around the Sun and it is time
for a calendar year change. It provides a marker and serves as a reminder to
take stock, reflect and plan. As the saying goes, to know where you are going,
you need to first know where you came from.<br />
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Time heals all wounds, some may disagree but human memory is
not perfect. If we were to base solely on personal ability to recall the events
of 2013, what were perhaps three most significant ones? At the national level,
the news that took over the country from my perspective was in chronological
order, the sensationalized case where Ng Boon Gay and Cecilia Sue became
infamous, followed by dengue and the haze where PSI and N95 were all everyone
could talk about, and lastly the Little India riot is still recent enough to be
mentioned occasionally.</div>
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Now, do you recall the stock picks by analyst in January
2013? What were their predictions of the STI level? Had the crystal ball gazers
been accurate to see that STI was going to be unchanged? Maybe its time to
review your broker or financial adviser’s past advice or your personal
performance - Did it beat the benchmark, is it worth the fees paid, was the
performance attributed to skill or luck.</div>
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Those that were right will make sure to remind you about it
and those that were wrong will bring focus to what lies ahead instead.</div>
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In the mood of the festive season of giving, it seems it is
also the season for FREE financial advice. Lists of stock picks for 2014 are
being thrown around freely, predictions on technical analysis – support and
resistance levels are dished out freely, advice on value investing to be the
next Warren Buffett are also recommended freely.</div>
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I recall the words of the Father of Value Investing, Benjamin
Grahman - learn to ignore the noise. Everyone’s situation is different and it
calls for different approaches. He advises that there are only 2 types of
investors – the aggressive and passive.</div>
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Taking a leaf from Malcolm Gladwell’s book, “Outliers: The
Story Of Success”, the magic number is 10,000 hours for the key of success. To
be a successful aggressive investor, one should put in at least 10,000 hours of
practice before embarking on this role.</div>
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In the meantime - 2014, I shall be a passive investor with
real money while carrying on to clock the 10,000 hours of simulated money to
grow in my investment journey.</div>
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For a Healthy & Wealthy 2014, CHEERS!</div>
Lauhttp://www.blogger.com/profile/03157935468710678247noreply@blogger.com2tag:blogger.com,1999:blog-5588369716841784334.post-50121745728362965042013-12-30T21:52:00.000+08:002013-12-31T10:30:42.961+08:00Economics 101: Supply And DemandRecent news of GIC acquiring Blackstone's interest in London's Broadgate piqued my interest. It is reported that GIC paid around $1.7 billion pounds (approximately S$3.5 billion) for a 50% stake in the office and retail estate. Blackstone originally purchased that in 2009 for $77 million pounds. Yes, one is a “B” and the other an “M”, which works out to be over 2000% profit in 4 years.<br />
<br />
(Update on 31 Dec: The $77 million pounds purchase quoted was based on reports from The Daily Telegraph. However, after looking at other sources, the purchase price was actually $1 billion. $77 million was raised through equity funding, the remainder of 900+ million through debt funding. So, the profit works out to much less astonishing at less than 70% over 4 years taking into account debt interest to be paid. Special thanks to the anonymous comment.)<br />
<br />
Who is Blackstone? According to Wikipedia - The Blackstone Group L.P. is an American multinational private equity, investment banking, alternative asset management and financial services corporation based in New York City.<br />
<br />
Ok, is there a point?<br />
<br />
This just led me to recall about stock prices – supply and demand on the exchange. The deal involved 2 supposedly experts in the field of investments. Then, why does GIC feel that the price is fair to buy? And why does Blackstone feel that price is fair to sell?<br />
<br />
For every transaction on the exchange, there must be a buyer and a seller. At every price transacted, someone feels it is high enough to sell and someone feels it is low enough to buy. Beauty is in the eyes of the beholder.<br />
<br />
As a retail investor, am I wiser than the financial PhDs in Mr Market to not be fooled into buying what they are desperately trying to off load or accurate in predicting the best Market timings?<br />
<br />
This reminds me of Mr Ben Graham’s three key words of investment – “Margin Of Safety”. Simply put, Graham’s margin of safety is the difference between price and intrinsic value. In theory, the further the price is below its intrinsic value, the greater the margin of safety against future uncertainty and the greater the resiliency to downturns.<br />
<br />
Did GIC snap up a good bargain?<br />
<br />
Time will tell, and, this too shall pass.Lauhttp://www.blogger.com/profile/03157935468710678247noreply@blogger.com3tag:blogger.com,1999:blog-5588369716841784334.post-70728546499493118372013-12-14T10:24:00.000+08:002013-12-14T10:25:55.092+08:00The Intelligent InvestorThe Intelligent Investor by Benjamin Graham, first published in 1949, is a widely acclaimed book on value investing. Famous investor Warren Buffett described it as "by far the best book on investing ever written".<br />
<br />
I read the book many years ago when I was just starting to invest. As I did not have any financial education background then, I did not really fully appreciate the essence of the book.<br />
<br />
Recently, I felt like picking it up again and I felt that I have a significantly better understanding compared to previously. If anyone were to ask me if I would recommend the book, my response will be that it is a must read, however, a good grasp of financial instruments and some background history of financial markets is essential before jumping into it. No doubt that the book is primarily U.S. market centered, hence, it is also important to already have an idea of it first, so as to relate it back to local context if necessary.<br />
<br />
As its coming to the end of 2013, it is back to a time of reflections and making new resolutions. This book has inspired me to give what it has taught a shot, seeing the uncertainty of the effects from the U.S. tapering of Quantitative Easing (QE) and the general economic outlook. It is important to strengthen my mindset and investing psychology to handle the volatility ahead.<br />
<br />
Key takeaways of the book:<br />
- Be an investor, not a speculator – No one can accurately predict what is going to happen next, it would be safer to ignore market outlook prediction reports<br />
- Be a defensive investor if there is no time to commit to investing to become an enterprising investor that does analysis<br />
- Trading frequently will only benefit the brokerage houses and significantly reducing the returns while increasing the risk of losses<br />
- Market Price is only an independent number determined by buyers and sellers, it should be measured relatively with actual physical earnings, book value, etc<br />
- Most mutual funds / unit trusts do not beat the market consistently over the long term, hence it should be better off investing in low expense ETFs<br />
- To maintain a portfolio of bonds and equities in about 50 – 50 proportions with a range no less than 25 and no more than 75 for either<br />
<br />
<b><span style="color: red;"><span style="font-size: large;">Wishing everyone a Merry Christmas and a Healthy, Wealthy, Blessed New Year!</span></span></b>Lauhttp://www.blogger.com/profile/03157935468710678247noreply@blogger.com2tag:blogger.com,1999:blog-5588369716841784334.post-51527976537924537982013-11-05T19:28:00.000+08:002013-11-05T19:31:20.661+08:00Kiasu Insurance<span style="font-family: sans-serif; font-size: small;">In a recent article, it was reported
that OCBC's mortgage insurance plans are a big hit with homebuyers as
the bank refunds premiums if buyers are alive at end of the 20-year home
loan. According to the bank’s spokesperson, despite a slowdown in the
property market, the number of new customers who bought these two
mortgage insurance plans (single premium and regular premium version)
from the bank went up by more than 60 per cent in the first nine months
of this year.</span><br />
<span style="font-family: sans-serif; font-size: small;"> </span><span style="font-size: small;">
</span><br />
<span style="font-family: sans-serif; font-size: small;">In my opinion, the plan is
simply an endowment where the sum assured is reducing in accordance to
the loan amount and the maturity value is the premiums paid. It is
nothing significantly new, except that most mortgage insurance are
generally term plans that accumulate no cash values.</span><br />
<span style="font-family: sans-serif; font-size: small;"> </span><span style="font-size: small;">
</span><br />
<span style="font-family: sans-serif; font-size: small;">This comes as no surprise as the
bancassurance market share in Singapore has been growing in leaps and
bounds over the years. And the main products being sold are the
endowment plans or Universal Life.</span><br />
<span style="font-family: sans-serif; font-size: small;"> </span><span style="font-size: small;">
</span><br />
<span style="font-family: sans-serif; font-size: small;">I suppose it is human nature in
general to feel imbalance that we are paying for “nothing”. The
fundamental of insurance is we buy hoping not to claim. For the minority
that does claim, they would be the loyal advocates of the benefits of
insurance. Recently, I met someone who suffered from a major cancer and
even claimed to the annual limit of the private shield plan. Needless to
say, he is a living example of the importance of having a
hospitalization plan. However, for the remainder of the majority who
does not claim anything, we end up as the ones “subsidizing” the others
who claim. I guess this is where the root of the issue arises.</span><br />
<span style="font-family: sans-serif; font-size: small;"> </span><span style="font-size: small;">
</span><br />
<span style="font-family: sans-serif; font-size: small;">Of course our rational mind will
tell us that you are buying a peace of mind, you never know when you
could be the one claiming, wouldn’t you want someone to help you in your
times of need if you were in their shoes – hence, what’s wrong in
“subsidizing” others, etc.</span><br />
<span style="font-family: sans-serif; font-size: small;"> </span><span style="font-size: small;">
</span><br />
<span style="font-family: sans-serif; font-size: small;">Regardless, it would be
comforting to have a plan where one gets the peace of mind for coverage
and yet one does not suffer any “losses” if there is no claim (Kiasu –
The fear of losing). As the expression goes, to have the best of both
worlds, having the cake and eating it.</span><br />
<span style="font-family: sans-serif; font-size: small;"> </span><span style="font-size: small;">
</span><br />
<span style="font-family: sans-serif; font-size: small;">Obviously, there is no such
thing as a free lunch. The concept is extremely simple, pay high enough
premiums where the returns from the amount can be used to offset the
assurance charges. It is no different from “buy term invest the rest”
concept. Just that the “invest the rest” must yield a return to finance
the term assurance charges. Now, bundling it all together in one plan is
the hot mortgage insurance product.</span><br />
<span style="font-family: sans-serif; font-size: small;"> </span><span style="font-size: small;">
</span><br />
<span style="font-family: sans-serif; font-size: small;">I do not believe if it is a right or wrong issue here, it is simply a matter of preference.</span><br />
<span style="font-family: sans-serif; font-size: small;"> </span><span style="font-size: small;">
</span><br />
<span style="font-family: sans-serif; font-size: small;">Anyway, my point is, insurers
should read between the lines and get creative. How about other
insurance that can do the same? Example, single premium travel annual
insurance that returns your premium; Home insurance, personal accident
insurance, or even motor insurance. Is there any other kiasu insurance
at the moment?</span>
Lauhttp://www.blogger.com/profile/03157935468710678247noreply@blogger.com0tag:blogger.com,1999:blog-5588369716841784334.post-61153349102157283972013-10-07T21:02:00.000+08:002013-10-07T21:05:18.488+08:00Completing The CFA In Singapore<span style="font-family: sans-serif; font-size: small;">The Chartered Financial Analyst
(CFA) Program is a professional credential offered by the CFA Institute
to investment and financial professionals, </span><span style="font-family: sans-serif; font-size: small;"><span style="font-family: sans-serif;">particularly in
the fields of investment management and financial analysis of stocks,
bonds and their derivative assets</span>. A candidate who successfully
completes the program and meets other professional requirements is
awarded a "CFA charter" and becomes a "CFA charterholder".</span><br />
<span style="font-family: sans-serif; font-size: small;"> </span><span style="font-size: small;">
</span><br />
<span style="font-family: sans-serif; font-size: small;">The program focuses on portfolio
management and financial analysis, and provides a generalist knowledge
of other areas of finance. Additionally, the CFA charter has experienced
increasing relevance and demand within corporate finance.</span><br />
<span style="font-family: sans-serif; font-size: small;"> </span><span style="font-size: small;">
</span><br />
<span style="font-family: sans-serif; font-size: small;">To become a charter holder a candidate must satisfy the following requirements:<br />
- Have four years (48 months) of qualified work experience<br />
- Become a member of the CFA Institute and apply for membership to a local CFA member society<br />
- Adhere to the CFA Institute Code of Ethics and Standards of Professional Conduct<br />
- Complete the CFA Program</span><br />
<span style="font-family: sans-serif; font-size: small;"> </span><span style="font-size: small;">
</span><br />
<span style="font-family: sans-serif; font-size: small;">Completing the CFA Program
involves passing 3 levels of 6 hours examination each level. The median passing
rate for Level 1 is about 39%, for Level 2 is about 44% and for Level 3
is about 57%. However, the passing rate seems to be decreasing in recent
years.</span><br />
<span style="font-family: sans-serif; font-size: small;"> </span><span style="font-size: small;">
</span><br />
<span style="font-family: sans-serif; font-size: small;">Having completed this grueling
program, fulfilled all the requirements, and successfully applied for
the charter, looking back, it has been quite a journey. The annual ritual of going to Singapore Expo, hear the monotonous announcer give the same no nonsense speech, squeeze with the thousands for a quick lunch and the physical/mental exhaustion parallel to a full marathon.</span><br />
<span style="font-family: sans-serif; font-size: small;"> </span><span style="font-size: small;">
</span><br />
<span style="font-family: sans-serif; font-size: small;">I suppose many take up the
program for various reasons. For me, it all started when I was
introduced to investing when my “Financial Advisor” aka insurance agent
shared with me about the importance to invest. Needless to say, I
started an Investment Linked Plan with him and the rest was history.
Well, he was right, investing is important. However, what he forgot to
emphasize is how one invest is just as important. And by history, I mean
literally the ILP lost almost everything and now only part of just a
memory.</span><br />
<span style="font-family: sans-serif; font-size: small;"> </span><span style="font-size: small;">
</span><br />
<span style="font-family: sans-serif; font-size: small;">Along came another friend who
was a broker and I naturally obliged to open a stock trading account
with him. He started providing some good tips on stocks to invest and
gradually, I was making some small profit. However, this mini bull run was
pretty short lived. Having grown bolder with his successful advice, I
went heavily into a stock called “Unifood” at 60 plus cents. I had not learnt
the discipline of a stop loss yet and today, I still have that stock as
a reminder of my foolishness. It is now less than 6 cents.</span><br />
<span style="font-family: sans-serif; font-size: small;"> </span><span style="font-size: small;">
</span><br />
<span style="font-family: sans-serif; font-size: small;">Enough is enough, no one is
going to be responsible about my money except myself. I needed to
learn investing, so what are my options. Some options include, courses
from gurus sharing their investing prowess, a post graduate masters
programmes or the CFA program. After a quick comparison, it was a no
brainer.</span><br />
<span style="font-family: sans-serif; font-size: small;"> </span><span style="font-size: small;">
</span><br />
<span style="font-family: sans-serif; font-size: small;">Most courses by gurus cost over
$3,000 and there were absolutely no guaranteed nor tangible benefits
after completing the course. Masters pursuit cost upwards of $10,000
which I could not afford and one with global recognition will cost even
more. The CFA program if I were to pass all 3 levels on the first
attempt without attending any classes will cost about $3,000 and have
global recognition.</span><br />
<span style="font-family: sans-serif; font-size: small;"> </span><span style="font-size: small;">
</span><br />
<span style="font-family: sans-serif; font-size: small;">No regrets on my choice. All the best to candidates who are also pursuing this route. Gambatte!</span>
Lauhttp://www.blogger.com/profile/03157935468710678247noreply@blogger.com3tag:blogger.com,1999:blog-5588369716841784334.post-68542570548659034052013-08-01T22:16:00.000+08:002013-08-01T22:16:18.437+08:00How To Achieve Financial Freedom In Singapore<!--[if gte mso 9]><xml>
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As Singapore’s
National Day is just round the corner, I thought it would be apt and timely to
touch on this topic together with my fellow Singaporeans.</div>
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<br /></div>
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Having started to read this based on the title would suggest
that you are either exploring the possibility of achieving financial freedom or
already embarked on the journey to achieve this ultimate dream goal.</div>
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<br /></div>
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First and foremost, we need to set the stage right.
Financial freedom means different things to different people. There is no one
definite answer and it will depend on one’s perspective to define. To me, it
simply means one’s passive income is able to cover all of one’s lifestyle
expectation expenses.</div>
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<br /></div>
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Next, passive income needs to be specific and is defined as
income that does not require one’s involvement or taking constant action.</div>
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<br /></div>
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A good example for the source of passive income will be
interest income from deposits. The only action one needs to take is a trip to
the bank to open an account, usually fixed deposit, and it does not require any
further involvement or action. However, at the current low interest rate
environment, it will require significant capital to achieve financial freedom.</div>
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<br /></div>
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Keeping things to the simplest, if the monthly lifestyle
expense is x, the passive income rate of return is i, the required lump sum is
12x / i. (Ignoring most other assumptions like inflation and no other debt
servicing) So, if my monthly lifestyle requires $2,000, and fixed deposit
return is 1%, I will require $2.4 million lump sum to be financially free. I do
not foresee most average Singaporeans saving this amount within a reasonable
amount of time to keep the assumptions valid.</div>
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<br /></div>
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Keeping x as a constant, the only variable now will be i. If
one is willing to take some risk, i can be higher by investing into investment
grade Bonds that give an average of 3.5% coupon payment returns. Now, lump sum
required is about $0.7 million, significantly less than when using deposits. A
good way to purchase Bonds will be to use Unit Trust. Bonds are usually not
sold to individuals and will be difficult to diversify purchasing at the
individual level. Hence, Bond funds are an immediate diversified portfolio of
international investment grade sovereign and corporate bonds.</div>
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<br /></div>
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If $700k is still significantly unachievable, one can look
to the next best thing Singapore
has to offer that little else places have – public housing. Property is not
absolutely passive as there are maintenance issues to handle on an on-going
basis. To unlock the value of the property, one can rent out a room, this will
offset to reduce x. So, if the room rental is $700 a month, the lump sum is
only required to generate the reminder $1,300 monthly. It will be even better
if the household owns more than one property. Example, the younger generation
purchases a property (BTO HDB) and the parents move in together, renting out
the entire parent’s unit.</div>
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<br /></div>
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To complete the property discussion, Real Estate Investment
Trusts (REITs) are not to be forgotten. They will be a more passive form where
there will be no maintenance issues for one to manage. Their average dividend
return is about 5%. Hence, using REITs, the required lump sum is about $0.5
million.</div>
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<br /></div>
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After REITs, it now leads to the topic of equity. If the
focus is on dividend paying stock, the payout is usually only about 4.5% on
average. However, investing in stock, the focus will be more capital
appreciation that averages 7% to 8% rather than current income.</div>
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<br /></div>
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To round off the discussion, there may be other methods some
may suggest like income from a Business or trading (FOREX, Options,
Derivatives, Commodities, etc). For Business, I think only a remote few can
really achieve a business where they absolutely do not need to do anything and yet
reap the profits from it. Most successful business will require the keyman to
carry on working optimally to continue its success. As for trading, the income
is derived from taking the trade action on a regular basis. If no action is
taken, there will be no income. This hardly seems passive to me, not to mention
that probably only a remote few can even trade profitability consistently.</div>
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<br /></div>
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Therefore, my conclusion to achieve financial freedom for
the average Singaporean in Singapore will be to A) unlock some value from their
citizen given right of a HDB property B) save and invest in a diversified
portfolio of Bonds (Unit Trusts), REITs and Stocks (or ETFs) that gives at
least an average 5% rate of return. Example, x is $1,300 ($2,000 offset by $700
property room rental); i is 5%, $300k lump sum will be required and sounds like
a reasonable amount to achieve for financial freedom.</div>
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<br /></div>
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Happy Birthday Singapore!</div>
Lauhttp://www.blogger.com/profile/03157935468710678247noreply@blogger.com298tag:blogger.com,1999:blog-5588369716841784334.post-66156845649926466302013-07-22T21:50:00.002+08:002013-07-22T21:57:35.395+08:00Who Wants To Be A Millionaire By 40?<!--[if !mso]>
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This week’s Sunday Times published the follow up from
Jonathan’s article talking about $100k by 30.</div>
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Well, in summary it was to save,
save and save. And since it is taking saving to the extreme, I thought of
marrying finance spreadsheet prowess together and compute millionaire status by
40 years old.</div>
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<br /></div>
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So, $1,000,000 by 40 is based on the assumptions:<br />
<a href="https://www.blogger.com/blogger.g?blogID=5588369716841784334" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=5588369716841784334" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a><a href="https://www.blogger.com/blogger.g?blogID=5588369716841784334" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"></a>- Start work at 25<br />
- Earning $3,000 monthly with 3 months of bonuses, equating to $45,000 annual
package<br />
- Average 5% annual salary increment<br />
- Save 50% of income, increasing by 1% every year (while still having 4%
increase for luxury expenses)<br />
- Accumulated savings are invested at a moderate average 6.5% returns in a
balanced portfolio for the 16 years<br />
<br />
<img alt="" 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zg4XqGxzvkdW7p/v0MCCtHDoc1f9y1Q8YlaPq2rO+P40o+W7Tp66vJ2D0dPiE4bkz9LDt6dfAajUo9C9XdjHXd/XUdsbrr2JAcjF3TAnb780xfnUTWt7ZUXt/7pHa8HmX0K3kAnWctrnwOfRUrvkdXe9Vm7+X5Jd93pJwf+vskmUzrUqZDiA933P2nsqE21WflVTIWoQ937LDVsT0ISdmiUnBO6OCgN399FsS6q58BnljCaa8452jitwHYymQ98V+2+XNisH2XVXji694N3g2HEWmr7o4NbN275WjjSUOy4a/OOnWWM+o7j+w4v2BASi5H3lzqsXH2iprFLVnnt0KL3Fuy6l45obb/1MAsh41PgHisDUlHc7gqa25fPwQd1yHrKwt7/YMHinQvDS2h0uqqLLeLmXb56k8dhcq8e+PtHIWEXysTdJWmuywND7nMh1NVrN3lsJvWJy4lt646mouUD5V6ffLwjIKBNIiu6tevzdz7cHXN6REy7keCx7dSpThZbBxGegy/job6HVnYz7K+///3BE9dEQv6AiKUTtiKwl/KLquVtmHi7bXdgjaQHgf/9znv7oqOHxOT0hK92Rt3o4GFPejnF3cJ393eLmmO8dnkUSBlPs4JX2Xq1koiPLvq9//u/rN5ygiDnzYFv11/2IInPegB/rObrNRvXZTTh7gY6Ll26FM6iawe7aIRY+0++unSzUkzCn9j398s3MpiUJ5f/83frf/cfAfA6Gf6M7+ateCq1Bh6y8j2P/KIqmYRZmea0f98+Gqvx1lHHJYsX51BpQwOcUWFFxK4N59Ph3Qo+q/T8tsW7auvbh4cas0+vX7L4HJ9LqbnqYrdnN4nRWB7p6b9gweHgYy3cipRlaxzcHw8LyRrohRXfoIChk1LKc8LWekbUdndISiJ2f+GGZVCVg6SyoMObl68ooLeQk1wC/325c0CuaKgqc81SWy+fZm7llbXr/vaH+OvwOi794batO289IwtYT8J2rE6Mf8xgPywsuYbClsqplZfsN5x7XM6HsmM3rp0Dn05AZTNz7H//p3d2ODe0kge6eHoBvYNy/1b6IzGPVnd8g31oDp+AqDi/fMm+Q0/JJMHT40t2ORdQn+ZFrtt5MJVg4XH4sJP/+7fg1EtEcp7HHzfE3yqektYW3fX1jLvE6Kg+tXtZ3Jk8TvXVHW6OhSRRv+JpffVDegdZ+eKKT6Ng6UWUp5iTm9xCqqCK2F1rg0/joAHGWD8ZlnzQxiEc6qRg8h5W19wNXLfqc39MVRP5WRXicc694xvWOpRUCEVNnae2nHr/V37XijlS/N4/Lg5Oymkh3rP/ywdbg4+lV7aWPgjc9t+OhU0t9YjYFR6+FRTa8Cj7aYbb6oVu5T3cxkcea7906eS1ZuddKCysGBro4j0I3LA9nCKHGMjIDUvdaWJyv6hzRFwXH7j3wqWi4eHWe0eWRN2tpPcWli/9267trvl1xEePjv3tLzsuVDRPiUkDfKpWwmzAp6z8wx+/dAgXQHy1lM1hZ11K+5rP4/UJiXcPLT95rbSvMOmzrTswLY1AUo47c3i9z+l2fnH8vi+joh+LFSVn/vK3rUExD+pkzaiEXf9tD3/a0lR51utEXDuVWHnyg/0rbLNyy2qehNhGRBN5UEvdPSqJNMonzr2ftZ7qklQi+tOirY4uXy5a/PHJJ7mDEEfRU+i6fH0irH1sZGQEyjrrvSXuwu1ODpXFkY6NETLdP/v4E4drhW2EqvMbF9vfb6u3dNHUvBe2upYu5hgV7bdnY1RJqUaWXYxeumy7A55MVpRd3B8QzugbtBTFLNl0stEsEyvLvFeuj8lt0+qGa9P2HXQP6eRwrLv9OfCNyztr7wbudD2S0kE3ixvPuG9xTLsmU3AbL/pv3RKQwewa6lfUxuxft+N0Wx+p1HHbloh0ySivG+8ev//X7tHZ/N4qp7XrTtU2dsmqrh9e9NGCnSmoilFRO40tGRsjZroucYl8RJFV088v8v1wBnxqPkktIZc/iPzid3/938/XbrV1vApv0YpaSVRe/yCXln5o8aKtfifzWN1PL7suDzyWPipuJ9F4Pb3cgXr3ez7/6Rz2mNdf7bF4dcAdlHoUIhdfOPGnD1d4nuMymr72X+VzC6UUUdV8wvytrlFKlzPwUTtWf/Dekt3ePuEwuIRBlrEJXGFPHz/31Fer47Kr6bXXnP737594numgPzsZvOpoehWDfM9us+MlfMvQ8JCKl+++a3UuDp8Vc3jr0Rhpj5yBOn1qxYLVL6343rdD1jZIxynEUy4LF3sUdxFv++1b654qGmUDYR0p68jqHc6l7axJCfmiz0bbqAQ6JevKrz5ctcy3uJE53oHy3LkJnl+Qk+C41TOaymIblDJ5UerK1WuyWwvuBtmvcTkLqbl6o1zIyDu6bdWVdLRGJyUVxOxcZtNQ/wxQ74Ud3uR+Lks31NtdenHN6tUPmwuqT7n5LfjU/S5qVMXJcl631/+6RMrQvrjiGxQwTGJyXrLLlsgoXrdsggTz27v+OAwh76ZVBttvcD3DV/L7SkNvuP+brd8dWn9D5oa1h6/ChlVchO/GD9/ZF3e3gkV/smP77vQ2soD9JGLHymM3sKPiti42uZMvH5IXn9m5LOJGUSeUFzdvxafmk8ZErY8T3T//wwebduz2vnO3qrVVCbWSGaLhEXpp1PqdrpeFvVz+Y8+Nq+zvlDGLkPs2259rlj7LOb5u//6zdA29k58b+dnm+KJKjaLtxNqlpxOzACc3L8Ep+D5qalj4JPhg/BlUJ+HYn788fBNDGhvt4kNUMYuqenHFp1GwTGIa7qLHxpCInm5WTvjO5RHRuQJ2N6shwX2bTfJNzYACYtKI8IQvVuzzy2nhymR6HknAKT3x1Trn0gqhuKkzemvMx785cr2IK8Ht/XRzAq5WLMeHbVrknpTRAkTd1Q8Pfrnpdg2hCRW/2vtIJYU2PMp6muG+7ktXK/jWfOks5VEhJpnDlY6OyTrh/hsXOVT0Cdqy/FYvcpAoOvU9XJEY7bRi63kMWaftL0zc7hGawqu8vOq9zzZ7BtCEcmLtGbvlX50ta54Uk1U8ggYi93ZWXPSy+fB/PvnK4cgD3DOduLW9g9vbPTA20nxt36IjZ5AQH7Fl4ZbzeMpwU+Bl9w0Op3MYXRXx+xafisuWKIoSP13teLe0Q6Hub8pyXrrxSVZJVaWPf9oj/VA/vXGf49qvEOimYpjNO5siashcqYQuZFovmbwAPqKGT9b1MDEXAxe+c7hL1GmWMfsLEn7/4ac2dntcXFycXDzt9x/MqK/nNOReOLbSyc1/8Zdf/tevdlysbCOWnlvv6oElU8wC4kuHGxO9nbScuNUfb3/4IKuwNK/hYcTOj9eGP34qHa3yWLY89lH2rZBt8ZeKmDJotDDpTx99ZmO3x9XFdb+9Q1x6OpHDsb6rtoJPwWVYBjtTd32x8kDkYyQMi8Mm+jl8uuEkaYzScuHI+j0JbFaHZUhWXXlwzfbYhsGOMoetW+JQ/cNcean3BecFjqfhnP6nDmvWRVc1K+RPb3gtfP+vW1LQNRoK8lLo8sMufquWrfSIzSZ11dBvLfL9YAZ8Kj5RK6QoZXx5L0XAKYpYvexTe/tSArHg/OL9h7337tm6YMFyv4TH9N6aqy7LDp3I7JWx8s8usj3kZ7vnLws/etf9dHZnf7X7+nURtXVaiKGHGhn3V9isOngr/WKAu+O9/CaTkPzS4YZBTNNLmAP93c/Knxz4+O+/++P/+OTAuRUXI7y3HHZ0X/LFpui8GrEgl5i6cNdn+9EZqUFrDz2s6nh2w+svX3xpd8DO3dXd0dnd/pBjdQE6/diuHSdPSeQyfkt01YEFazcfb5sD34PIAwuWbtu63cXNzcHdm9reYuxtueK+e0PW41G+oBe6fv/G0hUHnEtIpHER+U74nn0nE+nkR1c+/GSFfTJRTjPTC33sVkVl3M+K2LMtKorFYZllrJGarzds2vS4peCun926zIdDPLYJotA67hz9avX5m1ilVtKMD9+1bE91fZO87ZD3ns+OPnw4JBWP1d3auGnTg6aC6khXv09XeWaWG4agh5nrbby/FsiYuhfBNyRkKfn1x9Z8GRCQgseh8cVXIm13Lne+wdYQnh7dv97/rmKM0/v0REbAApsjD8iDjZkb1jneKdUPQTDYpr9/sDEqo4zJyN62dc+dFoqIkx25a2XITTwko1PK/GL8txx28ly2aH3EvVK24AXwqfgEnYg2phDxIMKF/Tt//V+/XRkSTiDUZZxceNDJd+O6VbY+V7nKHqmoIH7/mlNJFx+sX++RUSHqf/o4fAZ8HF7O8UU2Z8rrLT3UyJOL/a+WUEXYspO2Du5edx4/SvbYg3jaYOnn3b69+9BBm+1rl9jYxYi5ZOvpwRz4tN2daklb5PrPvX0S8QUFaXHBq/+4+aOYm9LW4kinjZfT703IWRNyjgh+Ysn2vanNrYNimllIHVbURGxb54x/KhY1C+BbIz/4tf/1Iq4Yu/eLbedKG4QSVMyeZUfPIWkAMtJyQw5vulTT0YSKW+nmX0VljA2zarI81i22gs99zWKXRrlYjD8WGrJ4v4vf3j3bF37hVtHbWZ/ptmahY9mA3DgASeGn/vujz3bv3+vq4mZ30Cnt8g0hKuFP7y7Y5h/IFHfRGpLc1209UzoDPhWfoBMzhrplbPpT388/WuTu0UAiIJPft/eydXbzXb54lf8FFL+n5pLDymMnz+Xt3m6/eufZkgaxoiBuFnyxn2+KzqxSjogG2Ghn1/XJ5R3Pis477j94LRdVcvjvcUERVYx2rbA+5cy+A7s2b9gaDnWSNRDpZfCp+aQRWXv9eb8Vf93H76SbRDQpMd35s7UPERW9vd09PT1dCjnoEeITbINOnZMPsm+uef/93207W9FOLDm71sEVRep4CXzZeQiz7Fl21OGtu/fExyckJp5LSj0ZsG/D/ogL9I4Mn+UHYuJiUtOuQTyWUcaVE++4frEmI6+sp0fR3dPdLeSqeUTVvK1uD8TppWe4LVzqGnLs/Jlz8YlxSZEH1y/cnE5pIqYdWW0TS2NSTIOyypKDK7bG1Q92lB3YuDEG3jvMlRe7n3dccPgknDlQceyD5ZEXCwWisvBVn/1mwa77mfjqNGe/8ERpL/P21kWHorPbFVX0qEXe726/lZlvEneoBZSBxuyK+ob+QYVxlFN0d+cKl4CmvOi9hz3pHOqzFJdP/2Ohe2w2pedpmsvSgJAHsoKU3Qc9KEwqB+MT/9XvDp7IYfdXu69eFfK0Rg1R9QKSlom8FLbrbyv+6n0ktr2TooNePtwwCNpJpdkMHk/XXXn55PpfvfvxyezMjEj7c9cyuzrLwhctD3tSaenqELYFBR9YvWvrHne/KIqAQ0BGu6yxRRXUyJVdPd098p7uqS7SvdjDaz1iGZzO6rzjzkv/Y8XGSEIXzwgRrCu+He/tQbS1iYy8biHPKKIOyxqvuOxccz9zkN8JBE0dyNg9G+wxz9hqSUWq56qLl+8wKVmX//MvGz7Z/bC6RlZw6+CyzSUlJfkpztucowg0pnJMxEGE2O3ZS2U23PLaverug0E+a1jIlrOw8YeWhl/B9A9KnhUc3754Z31t63gn+tKBLfYpWaohMRcdZrfbhkSrrzju7LtghVtWqX6If//u+p0erwDfqJTHqjhjv2S17/GIxITk5DOJiSH71qyyR0DN9cF2a/xud41yeqrC7x9ZsMMngzTYmLlm1aH0Yt0QlP1k0/t/23jifhmdmeX47qYbT+rppEcui1YkJsE4bJ9HJz6NPX+3S9QUu2RxYHoZA8qO27Dmb/92ubKq2SQiaoQU2dOHtW0E3QiHXOj+x3c+XH8yvu1+4GGfCL6UjnVd/5X7FUqfdFzKQF47sm3D5j0r9iI6yApRTVb42l0HzpPMXA43O/yzbUlldeZuSmjEktBkJBOCFZ9297PzTkpJzoajlBJ2b21WE4E7NFJekm6/etfezJoGNdShmwUfmULQ95SjLyUAACAASURBVEL8hssHF63wighLTEw+E+u2etHKDz/YVdaKT/XctiHi+lAvxCNXNMJSPl5rs+0SmswRKFhlNAbu4uY1h8LyeFBdbuTGhX/+69HrRRwxds+nW1JK6iEJ/OTuZWFB15jTrG5qjq3d5svV5DZ0zNaPDxfXEHRiLD7OdunHbiV9nPpHbisXOouIFYm+e11uP2JZ+jpuhaz92KGqVwTh/NYtc6rnsSf6BdLma85fbMjGVPX29si7u/XdImnrrf1fvrf+UFADlVeHjbP5ePOZ0uZpMbGfT1MJqcySDAKdbhqhPkldv84/kvgkfJ2jXwaHoVCyUpd96nYWrukTlt4P3rFh87J3Vjju86um06SiwtN7F0WdfiyRF8Z8si4yo3JkWNzHRB1y2HgVWd+cccJ3p1tSSnJK2vWC0nKTlMUrf0RkSfX1aYs3bLpVWTsKdajngY+gE5DMYoquh1iT4uz46+M8HcvSxzX30RtvhJxY9ZVPgL+fn8/RgLNNXAoZfTp0zaaAMJ9E36Nb1+1Gl9W01l3eFRhSRqZMSciqeae6OXCEilJ73M4murDYpO9VqbunRzlNZUnb9h0rLHjy9cpt3kcD/fwCr127JhKRtcP01vSIqBVbvP39jviF5eRXK7tIat5z8PVL+U0XT+/z8Wvp7zLqelRquXakLviIXWjCk6qvT7odOM/opE2qesSFti4eYZ3ylqKTXj5RsAE1t7c4Ic3xnYArmQMjUOVJu6077MIjbp+NcVy9bg8KW8IoPxe+cr1/qHecX2DsuWvKPgH9/LuRuw/mVNealMIJCV3OfnI94Ki3X4DvETdXj50lxdVyceHZxUs8ArwvnAjfscYmMfW6boh/3WVx8q1SaQ/23JKlrn4+X19yjgqKiDtzTaYoc3Q4fLHyqUHCNMvomlFJf/mZv7236OiDSk0/TfuNU129jPA063SkX7C3z8FDR51PITESIacmzcd32+6ICL8wZ584TKFZLTMIK/ITdrz7wULv9GKlQaLrai0/4R6webdXsJ+fr3dw0E1OH3WoMdPnsL2nb+itlIv3Lzsc8jhaq5CbJCxzN6UxPeDIr/0eQvweILAo2ONiqkbRkHLC0zXj0aiIaxwW6GQtGVdPHnTx9fV1ORd/VyqHePTHVz/8aOv+Pd5RJ5z27gz1OyGVyZScguiTES6unn5HPHxdw8tKyg19reeivV3uZYyIuUYpY6qHhrjuZbdqazIOQykO9bHxaRKQLUpRD+HRYY+jPr6ufm5hJSUVI2pm6UVb73c+i71fpleKWu8tczmVxpOyXwBf0DF1N4QM9XE8HcceUWhVcp2+W91XbG9ve+ZaXnFioPuRewotZ6jqyn2vd0KjL/MVTx96uEVeL9SqRKSsNStXbouD43VyQuaRXTb7Dp6Muncq1P7r9Gx9T2PdHb/AzTtDwn0jPY5cz8w1dLVGbP58xdKLDbw2yzA0KWNy2m6e8wn09fdydNly5F5GI5UlIN6LWrTcN9jnzNEg7+iU9i6FUSUXVd3du/AP7x9IkxmFg/31WUFf+pzObwYSSJSdsNPvVknNVD89M+bvV64/1vVzCIkuJ3cd8jsaGHQsrKqkDCLdTfU96hfg4+HtsCc7UygiaPgk64rPwcmFyX4GjLz8E0cPRkRShxQ6TbdWTSq4ccj543eTHpR1cvPc/YL9j3jdvnerj0vAwZP9N9q4Ojifv5QkZBN4dwLWbtodGHyx+Ebg0dDDV25nC8WoPV+5phdWGwdJybbLTt6qpAGhmZoT77ssrZE8TsPEOew8dNjZ4WL21VsRh+0dBTJRx8MAJ9tYnrK9+LjDwb37A0J9k8OOHrJ1re1RmOX44M3rDnqF+9zCdPA7Wi4HRa7d7u3vd8QvElVerxugUItPnvZ2cvLwSYq9FeRpe7GmUasQGiS0CQW7OT8h1veozxEXT5991VXNMj7i5KdfHvb3CQn3ivUKCLudOajr7WnJdVj25/9avyciG96rFXcrCs7YLr7ypEoygD1n437pTrlSIzeyUEmBS7D5T9n41JjN+/yOBgYEBB0LO05pbSOVpiQcCQ5w2Lvp4X2eiDD/bvICNUSitTch0DgkGgvH4GCoPCwGi0ChkWgspqAoD4mAwWAwGCw3NweFRGFwhXlIZF4erKi0BIGEYzEYDAaPw2AwaHRdTY1aQNbOgi8PjhwTdMAxODwag0ahUSg0Co3FYAtQWPzXwdvX79r9JDsvMyvK9sPFfwy+dDk3N7+wOA+JgMFheXm5uXkwiNSkFlN0kBV8roMidmtjHQwGx2OxKBQahUKjMfkoFAYJh6FweBgsB4PBIJC4ssq7CAQSj8vPQ6KQ8Fw0Or+4PB1fVI5GIjAYHLawGIGA5+bCqmtuIxAoLBaLnu1OYXExColAY3DYokpsfj4GhUKi0AgUBo3NxxUU5OXlwWBwJBJTUFCAxRXmoVAwGCy/qAiFRqHRKAwGhyssQSLhOLz1ERyHLyooKkKhkDhcAQKBLMLjkSg0Eo0vKkc1PA5dsmrl2SePCwtLhnhk9TzwZTzKUgsp+SUVCCQqLw+OxeCqKytxOBwSi4chEHAEEl+Qj0WhkCgMEoMvKClHo9FYFAKNwqAweBQ+H4ZEwGFwGAyWm5uNQWOx+EIMFpuXB8fhH9Y3XEehELjZYUVg8HkoWD4Gg4KjESg0AoVBYfAIJLo4Px+FxiBQaBQGj8Hi4DAYDAZHodH4gqJ7N5JO//uHS9fsvnXvPhKFzi/Ix2CwGFwBGo2Gw2EwGDwPBsPh8WgMHoFEF+HxVj1INBaNK4AjEHk5ufiCUhQGjUFjkCgMNr8QiUBYa+HxeAwGB0NhYRg0CgFDofNLK9LhMBSX2KyBSDPgq6sNCg5RS9nlFRVIBAKHmYkBDLYAiUSikAg4GoOA56LR+YWl9/JLSlBIJA5XkINAoBAwFCq/vOoOAoHGolEYLB5bUAhHwBGInIrKuygUBo3JR2ELYAgEDI7ILyxAo1AYbD6+qBiJysFiMFbnYHCFWDw+Lw8Gh6OqysuLi4owuAJr2BQUF6ORCBwGg0ShsfmF+IJCNCIPi8ai0Lj8ojIUEoZDYTCY/Bx4HhqJRGOwxaV3ULjykstrvHd+7h0Ugsagk45uXXjQMQNXgM/Pz8uDwWGI8uJSHqlVA5G081Z8pj7O06pKBBxu7TsajUeg8Qg0GgGH5ecXoZDIvLw8NBqNweGxuHw4EgGHw+FwBBaHxxaWIJDw3Fx4RdXtioq7aBQWiy2Aw2EYJBKNweMKirBoJAaBxRXk5Rdk4tBYDL4AjcPD4TAkHPn06WMMJhuLxeMKShBIOA6Xj8DgEAgELA+Gyy9AoZB4DBaNLUBiMHBYXm72YzQag8kvtBIjLy8XDocjUbjK6uLCogewPAQGm1VUnIFDY5HomajD4ovQWGxeHgyFwubn52PxhXlIJAIOz8uDFRQVYZBINBqDwRfmFxZhUIjSwkI0CoNG5+MKilFIBA5XkAOHoVEIFAqLxcMLijILCyuDwv7m4h2AQKCznySf3L/q3aPHKksr0Vhsbh6svLiERWh+casr7CguzD8dlxATFx8bnxiXkBgTlzCT4hPiEpJmU2Js/FxOYmx8wlxObHziydMx9x9kDAvos6e6p5EY7ACzNeHM+dNx8S8oTEyJO398x29/95+/+c0f/uv3H7m5JUefSkxMmmsrNj4xLimlqaZS1c3WQQQuk+bk4joq42NgOadi4p6rikuITUiMTUicsTk+ISYu4XRccmxC4twja05MfGJsfOK87iTGxCV/sztzZWLjE2Pj57UyZ9isZ+ISEuMSkmY9kGgtY/3P7KPnCufViouJD/jqyy//+pc1MTGnE1LOSjspGug5+B5n5w5zCTGJKVarYuMTY+LiY+ISYuMTZ42cZ9i81ueVSZrt4Ix/4hISY+OTTsemzJWcLTzjsfmZMS/0OjFupnpibEJKbIzXrj8vWPzZpvDjUQlJya9qd6b6N7yXOPc0dl6jVkfNrzXb5YTTsUnxSSkNNVVqAVnFbVcN8mrra4NDwvQK3t07d6JfjIFZt8zE7em4pLnhjp31z+mZ4U583lBCUkxc8vycOT2v9M/zXsQlxMTFz4vVhBccmzBv+syLqJlgi0uIiUuOjU+OTTl+9Kvdn//2t7/69a9/9+kX9sHBiTNdSIqNT4yJT6wqK1ELOp6/46MQLAPczAf358f/bEcS5w104ivCdV7Mz3T5hbidMywxJj45Nv4lzUmx8UkzfUmY76uk2PjE2BfDbGaInxNj1vmxCbHxVv8nxc428cpexMTNr5vwYoy9EL1zc222TGJMfHJ88tkI3wOL/+u3v/rNb37/m9//dtWagPCIhMQZU0/HJRQX5qsEHfPAx2tXCcgjEHUEooxA1B+aKEoBVc1r13Dbevr40dExj3PyTBLqiID2DbU0UzehBo568DDrUeajChpVK6KNCecXo4wIaNa/9lo+gcugOji7yDk0tZA6/KMsfMNpVNChETU/Ky/ML6hTi6ijApqG367ktau5bf2DgqSklLsPMgxi6ugrPPamLYdoKnFzXTG2pLhxgNcxKvhnt0gZgagqiKTitSu57XpxR21NdWDQsQGIphJS3zbnfP9E00lbB5/V43JgGRkPn+Dy2VyG6rlLKSMCqhoiq3jtGj5B2jmz4tPIGWMQ5eff939iGhXQRzn1+dmwjIePHmc9QdbUd0G0McGsVyGqSkC2RpQ1LdCIqVoxVSuh6n5c0oqpGjFVJ6YODIqiT8fkwhDj3Syt+OViegmlSyI09XZqdQqtTmGx1n2VKo2YapDSBByWg5Nzj7DTIKX9SAvfbFJJGD1SgUnOMMsZ8/uoE1OGRyTJySkPHj4yydlv3M5vJr2E0iURGwZ4+n6u/idpUSuZcY5GRNGOCBubGo4GHxuWdP40rf+znSmVintlAsOIQKdTGEZExhfnyFzf9VKaQtDp6ORMpZN0fVytmPLGjX+bk15C6ZKKjcOQTqfQq6TjMrpe8pwY2nkzzpoWADDxWtPk5LgxMTGptLQMAPAtZSwAjINpC5i2/CNtU0rlmJubm9lsAGDqdZv6E6dxAMZf6TEAxi9cvIhGY77dY288Wb7d/n92Amw2OzLyxNSUBYDJN+2H1+XM2Snwf7l0ymDUu7m7SySitzgw3qo059V/CJaJBeB1y/j4RHJycklJyWvRNjo66uXlZTQaX4u2t1Omp0FaWhoajX7ThrylwmQyo6KiJiYm37QhP7XodHovLy+RSPSmDfkFyj8DfOOvF3yenp4/PfjGtYMqneanaWt6evrSpUv/At/LMj1t/XcWfBNv1pwZmdAOjg39NE3pdLqfH/gmdIOjA2/aiH8srwd8k5MTYHLK+v/vBT6z2WI2m81ms/WjZcpsNJrMJqN6AoApM3hT4LMomazyC8Te8edzbdpoMUyOj1s/GM16k8lsNpsnx80ATM+vOjU9bjSZTSbT9OTk/JxxiwVMv5AzMavtFw8+04TRZDIbjUYwYQbT1jiZMMwbd5WwjYhMuvsAxWFJAABg2sImE6WjRmvhtwZ8U2B6AvS1htcyhrQz0W4N4MnJ56vR+fE8X8wTRpPJZDYaNJMATFkAAABM6r9ReL5bfobgM0/2E45Xd/SpZ/xjnSbz+2j9+M3RNE+aTCaT2Ww2Gg1g2vp0Sm8ym81mMDEBwNQLOa+Qbz6azZme/mbpHw2+KaNSSbty9XyttAtMToLvAz7VWGNAQJC3t3fgkYB21TCYHlc0ZXr7+gcH+IbefnpdOA3A5BsA37Sm4/6N/Q42qw/EE4j8mUz1EDE7+tzDvH69UTXIg12O9DkSGOjvF34+ky4dnVd5nFhRHB3o7+d3JO1J7tjkFACTpKqScC+P6KQzT/v0SiMAYIJcVRLh5RGVkMIz6MEvHXymcT0Vm+rpExDk7xsHow5NAABAl0yQFhTg7e1XIeka18pzsCi7tDxYxv3HVWXG8QlDBzYHfUs6qrNqeEvANz0quhMeEeB7+LPth24/JE2MT3bJin18/d3cfGPiUxh6FQCgS1bs7X3kiI9fAZ81v65p3MApuebp438swDcsi5QlmwbA0jsgvxYc4OXli+vkAACAabRn8On14GAvL18smw0A0Ot/ZlvdUWrD2SPOH2/bdzm9bdwyMdBfExQU6u3tHRx0jKJTAgCGBqt9fAPc3X2jImM6tM8njmnCJK1J9/Tx9/f3PxpwJL1GDsDksHr4VnCgl5cPnEJhDgIAwIhmyJqTQ+p4qekR7fCtY0e9vHxySOSZHM3I7WOBXl4+TwjEb5r6Y8EngBoyHl/LCd2ChCRgYgJ8Z/BNjklwiA5IIFAoutubEVEBuQMaJQ+1v7a1tbtLJlBNTZj04Kdf8U0MtN67cSO/UiyTSxpzi+uIEwBMd7d2ka8lx0Slfx0oUpv7JfVN2T4MDtTf3z86MjI5+XxCSpvwaYE3CFSJVMZF5p4rKKvuaS9NC7xBYvRQSBmetv4FlaQeQkla4A0irZtEyPj62l2NzggA+AWDT2vUdDz6qqWDrpArtGoVmJ4YH+XedjteWK2Qy6uTYqLpivIARO2yHJFliJyEq+TwoEdYGJxpmtPwNoBvSil/dDQiq6GpTSrt4rOppWd6umloOF0gEEulWTBYQEp0kaqHg0bQRWIBlVQS4Xl7UKWcq64z6WiPtzeRqD3yLqEGgMnxSbX0vlcYvkIhl9cnnz6h6JVU3bx89UNffG23XFGfHH28Z1Cl12l/RuAzyRiXw+PrZAq5SEQviJf30HAIGruTKVd0N9fmRh+Dj/XwcEgaJBBJJTB8/pHYEKzWZLDW1ZlNrJydde3k7u7u7u5ui9k8re/O8gtBlsgV3a1nIz1jTsOH+znZ/mGIYrlC0Zx8KkTaPTK32ZrUdj/2C7E+So0Oy5YqBoxDOUeOzRSODpEohl/amf34FZ+lb2iMj4iGcQXfC3wTU9N6g3bmg1Z4fxXy2ci4AOvXxCbptVowNW5d3P6k4Jswj4NG/N1zd+/SAQAAmCfGTQCMs4sfVp7YX1aEzCuIESlNA9LWJmSktL9fp9VOT76wtK4o/zo4pkUPAACgszznQWlRTe39Y9EtRgBGFKQO/w8flRTX1D8IPtViBGBQQs6+eV2qmQC/bPCZ1JQnLiQRT6/TWI/mBwbxB+0fScxgalpXmhpZAHWcOlO2+2wzj1x2i1ldUdOaF1+snXeS8RaAbxKMCR+HXMZAkpEpAMC02aIbH58yGK1r0iEBJ+eeTXmnetpi1gEAgFmBWvu4SjEFwEw3dGYdLcetHerU6zTWNx6jw9WH9t8RGME0MFRdjMRKCRfD723bWCIcB9PAWJkaXtFlNOt/Rltdi6WLdi3wPr9nCgAw45+5CT7MvbMOQ1NOm03WnOGufsT9tfm00UnrNNdbjKw8j8ZO6sjwiE6nBgCoVU2H7a536sEUmBJ9bYOLDalV1LnZ3WDrAQDmuktheKFmjmXKsebDdtesjxrTjj8RdjG6W1xsrz4vLNC8bvABYJo0ceEnvi/45svQUHWU2+Nu1YgEH7Tf3sHPJzaXRLe+QP6JV3zTlh5uwaVzYeG13d0jemvUDqOK4c7xxay2hgrsVaFKPyhtfhC588BhFx+fY7cRLPXz+ThVUp3hfVdqfRshbX6CbizOKcjwK5MBAPoUhNrTf35UjMkreuhTKgMADIjbi1DneCNK8IsGn8aobL2139beMeDI+QbROAAjY4Pw1WGNKgAMJmVHznEsX9aed+OS02pP76hsfH0HPLaQzNNqlNMTM+9A3wLwAYNhuP6at6tnwu0K5pBKqZr/TN1RX3k7JRSrMc+sUtUa4kmX292jz0tpTWpKhtO+/Y7+vmfzhYIxAEZ7q9aEVY0CYDRrWPATCCYhNOnmJ54kFQAms5aeG14okRs1Gm9v758J+IBqVASPOnQz/2mfcmz0xUfdirJorxylcWZ9B7QMckt6rC98Lkdn0nHzvGwPuHp4uB47drtTDTRDTWuOFQ0BYJkY78Tue3zKoYxaveZa0eA0sEwYuHkRCEgEZl+t6kabVwcXDABgmTCIUJHHi6DKdvyaq4VzheF8IZh84VbAawCfYdzAgf1Q8E2YxxXktswTOJkcAKA3jsrlPXRmbexX106H3tNadEql8qd+x6cfZpEKj/j5ugSlIDrVspqy7NvNTDMYkRHy81K5Y3oAwMCQQiiSizqzH50KxxW2zNacqm15eKZs0PriepT5AFFfnI3IOF83NAHAuKGBfON/Ua2YHOTD87VDFgAmNY358FTO0Bj4RYMPAKBU98m6esht+aFeX9dLVQoROjCTNjgJABgkZYeWSXvA5JRW19c3PMgtLIrL7SjLuhXu6XmrvH7CbAJvB/gAAMZ+obDjzv2UUEdnt0QUt98IAADTmiEmLPlKYFjN4ID1KGZKPUjPS8ymksDUCzNNrR2QdXVTqKXhy69eSMiVCAqOZhD7JwAAI2zE8VxK+9GUG5/fJI1MAQBGmHmhBWKFQa3+GYEPADAMtV27lux0+HBMLqt7lnITPazG+8eLFL1Wh0zrxzjo1Ks+/uUD/fNdpNENyeXdsi55S13uqcCHEkFp0P2m7nEAgJ5fsKcm1xHdXOl/r0FhAQCo+MhQBH/m3RoAQDXYGHCnXjEOAFB14cN9cwVFTRj/uzM5EDIUxhODF+PnNYDPPGWCUNEogRBMTYPvB75JPu7C7cSo83n8F8Gme+p48uz680SVXjU68tPe45sZifGpKXEl0jM2NGrrtjMXz2c+uHcm/tTebftOo4Tjk+OzhQdrLp+7/qB2AoCJySkAJsue3otInwnT3vqH8MZCZPH9SJwYAKDkN9ccfTe9uBBd+uA4RgwAUPJaitFnuSMq8IsG3/M/tONDebaJeT00riLXLqRGBcCEboyWfaxIorA+72cyMh/TIRaTgLvLGhioOvuwe6APAMBisd4C8M0cU04DoBrounwi4grVBMY1DOzFxMv5j1v6rX/tgEVFw6SmPmzrmpn2U5bJaTA1PjU1p0eFXR+U7niDq8DahZaNATBlUHNh4bnstsS49I+3VqoBmDJoOnOP4SQKo1b7swLfzEhr1cO3jweltOvApMVEy23Mu3AeJpnxz5SpM/9iymXs3Zpu60siyxQAk5Z5/gFAKX18IJndlW8XjB8CAExYxLe33TodVMqstD2HGQQAmPXCvJBcvgRMWpuc1Iw17QlEDQAAzPouZGhslaiKVGl7Fj1XOIcnAi+08ePBN23qGVE+PbfvbJXCoBwB3xl8U2DiWeathOP3s/MFkq4xrXJMLiOw2cQxlXaQjr/kfirgEtk0Makc+ym3uuNqUQu8ob6V3Wc2GLiEXLfzt/Nz8goKCwqLiu/fuOh2yPE6tqMTh5f39AwOj0krjp+9daWcOKTq78TCslhylaQRnXbpDndoZGhAWphzLb+8VdaKS7twhz+m4ZGy/XdG51e2y57h0y7c4Y6qWe1ZN6/m6Mct4JcLvqkpIJW2cLnsUaVmsOF2xLVajmlCP8y4GhDRMKwe6ak7E3VBMTYKADDLaNWPE1EsZY+c04i4SlIo8qMzB0aHwFsBvikwKrxcLOyRdxsNhrEB2fkbEQ9a+movpyZcRlaIBjRjIzq1cmJaX512Pi4N0SJVasfGpicsk6pBTtGVzFq5XNrM5TJGlZoh4pNTh5LiHjH1I4ybAWE1w+rR3qZzJy9I+0Vl5y9Fbw+oU2pGe5vPRZ2Tj46YjMafzzu+ifEe1tXyLoNaqRkbunoz6Hpdz7P0q7uD74blMATdKoNGOTFlaE6/Encuu1g4oB4b0amVJotW/PTm7aeybtkzdidFrdYo+gbkRSmnH9J1Y+w7/scqhtRjA4SrYQlxUQ8HBzrvHTlWPqQe62tPjUrh9/f2MkrKUmPvN3RPKaE7/kHWR5dOJuVDRvWA6J5f0GzhJOFA/0vm/ljwiVnNCT5+NvvsDtvbp2Rm9qhU01NT3wV8WhUjPiHCzv6An6+Xj5e7f0QCoqX9UuopV2enI/G3H5P1AFjAT3+qO64ZaslJiXBZ9tVez9h7NYrnT5S9jLqy+3Ktkdj+0N3D28PdOTimAN4qAQBMj9XcPX85H5oEwMgrgod6eLh7+KVlkEeMAAAjrxhxzNU5KgFRN6IxTAIADLxixDE35xNxGO7IjPJfKvgAAMODzSEhQW4uTr4X0Ir+QWumQdxxxtvTx/dMCdMAwKSlX0gh5eGq+0wAAKDF51/xdPOE0WnWrdDbsNU1WHRsxElXz5Urt9jYu/iltxkGlMzQUP8DBw/5ent6e7oHRF8uJzcejzh64OAhby/3I/7+1xuGhkfk7TdCr1UOKofbo6JC3ZydAs7l5LNN1sXRRG9nqpent08SlqQCYBqoe6Ui3CVfP2+fRAxBBX5u11k0+sHyNPeNe/bvPeh6rUk7oOZHnzq2y2a3i7OTj5dbQNS5/PbW2Jiw/fYHfLw8vDzcA06k4AndzAcnUov71COUhPjjbm7uft4eQel1Jr0aAACU4jRvL2/vhIxWWu8kAGASqKRpPt5e3rE5jUMATEkJcGxUQEp5txYAoJZYH2U3DAIwDgAAatllH28v75gn9YPftPbHr/gsOqPJaDQaDYYJsxl8n63uxLjFYDAYDAa9Xm/Q68DkpMUyrtPpLCY9ADNR/gbu8Vl0/UK4b5VQoX35idliXcxP6/UGvU6rBACAaQAmaI0oLIo5aQEAgIkpi1av1+l0kxMzNk9MWTQ6vcmkm9MzMWXR6HRzOb/se3wAAJPJpNPpxmfvLgAAAJjQ6PV6vWZ2fzQ5Pj41NTmzHwLTkwaDYe6lzNsAPgDApLKnh/x1dNnTBtnMWb7F/DyAjQbd9OSU2WIxGgx6vV6nNwCDuEdw5/bXeI0KADBtNptnnTC3+Z/U6PU6nWZeDpif87O7wGzqI6bWl5QKLNZTnnGLxYqGmQk+NWW2jBtnPWYyGgyDHfduvYAtPgAAIABJREFUolRj1sJmnU5nMBgmLXOTfUptDZLpqec5OmvYTAAAJqaBZRqACdM3H83L0YLpuXdTz+X1f2VtYmIiJSWltLT0tWh7I9/Vtejl3SPf42tJI2P8fv03MPl95F/f1f0/hMVinTx5cvLFU7k3IlOjXNmAfO4bOP9AJjTaAa5w5BXLje8oer3e29tbLBb/YA0/tUwb+oYlExOvAM0rZcLULxzp/qda9G2yQPtaRa/Xm83m2NjYoqKiiYmJH6nNaDQODg46OTmpVCqDwfBaLPwOotPrDUa9XqfTfbfiOoPeaPju5V8UvV4/OTl59uxZBAJhsVh+mJJfsFgsFhqNFhYWptPp9Hr9mzRFp9PpjUa9Qf9dA0Ov1xuNesMPG1ODwaBUKp2dnQUCweTk5A/Q8NOLTqc3fHf/aHU6veEH++dHyoK+1ye9vb2Dg4NKpTI6OhqPx6tUqh+pcGhoSKFQODk5DQwMDA4OvhYj3yqxekyr1SYnJ+fl5SmVyjdt0dslvb29Y2NjRCIxJCRkeHi4v7//TVv008ng4GB/f7+TkxOLxdJoNG/anF+avP6t7uTkZFJS0mvc6np4ePyyf5YK/KIPN368sFisEydOvPF3fD+96PV6Dw8PiUQCAJh+1Tft/yU/WP71s1RvXn7xhxs/Ut6Sw42fXn52hxs/I/kX+F4tukGJfPQn+tm1f4FvGoAJMD4+bpl+/std03PX+t8u8OmHOD2yl774+U+SnyX4DKMchWTuvvdbK68BfJPjZqVSaTTMXFb4XuBTqdRKpVKlUs/Lm1AqVaOjoyajFrwp8On62xi4kLpBvXkuvqc1hlGz3mqGaWxMaRWVSm3Wq8HUvN/tm7RYH05YZi5nKDUjyjHlsFKlsgDrD41NTBpHlUq97v8v11m0RuXYmHJ0dHTcOO9qwvT4uMkMAJgEYJiMrjhvG37i8rNmNgAATGpbyosYA8a35x4fAACAqSmzcVxReaiIKZ65gDmtUqnHlCqj8flvyUxOT6m1ymmz5RvVJ0ZVKpVKBSbGn3+7XqUaGxuZvc4yNQ2AWq1WqVRT45b/x957BceRZFuC/bdjtj9rY2s2u2/WZm33zb55Yp7sVy2rq1pWV7GKRYIAQYBaQmtNAAQJrbVKiITWWmutE0gktE6ITKSWEZEy5N2PBEBQdD+yyCJBdp2vRMLD08Pd44T7vdfPhQ+S+AxmYc/FBs76qTUDTqIohp6c4NFotSqVCseNL3t5EBqNVq1W6XRHx5w1Gq1WizC4+VTED6HRaDQa5akYFzgpjKLa09XSAIhOQ5leot/3psRnQndSUn2+/OPXt1wejArEAEC+KvGR25u11ta2Fy5YXfzmi9KFVQAA2KppirpkZWNnZxMQ2qAGUCkV75b4GFy23RQa9OVXX/7xixsdPRbZL8IsXW0Ms77+5Akf0ws4/Ta2V2xsbGxsLn/5+5/+13O+q8ehLKRBkJnld+nS5a+/OucS8XgHNSkF09leX52/YH3rnvPVZtWsgmBwVWtWlv25r28+uN+3K7L86EdMfDqTdjzjypffWNtfvuhSyJUSAGA+2J4uyPLyzctHjSaTlve4vOWfczbmBupSu5qUKLbXm5PXWq7SHb1KzwbxEbLZvkAb2/PW1r/59W+jY+vUOmxmJu/bb62//sPvrt+2b97atZTT7VYHXvv944HBZw+H4iuTo15Wly6e/+Zxe3snF8EN2PRk7sULF69e8clo3QMgCOFyc3nstxetrb79OqqlBz60AGYA43Jtkau1zWeff/YorFJvNAIAY5bstMTftP5D5e4+UPjKYumFby/ZXbG+ahfZvow9y31r5TXhVy7bXbzwzaOYTiUBaysV57+9dOHrL4LqG5eOgoLWyqqfWF28aG8XLiDh1FFfam2j+tsLVtaXnKsbpPTxetMsbQ2/8wevhkZ4YfK8IfEZ1/rbyyp6hII9VqZ7bMQsBUCRr3ZkTbHBSqtcXVsTifjDY08cLlUpCTiYTr6Z2ykR7EvFIrVaDu/h5Ia6Jz00M6NaIlNyJtIyu0dICoDc2Vxk3/Lx9Ii9v6jBSIIUi8UikeTw4GCp1ftiRcHi0YLVtDveU1jUcXgo3ub3RPj7VjWqFcKJgeJ7q/xdkUS+oWJIAPnMUOpN9+61tdaGRK/wZi0F8FE7NzATysn7enRpUSoSKQgAijQQqkT763k5EXnVaYgRp7QL12ra/4WtM8unAos6Nrd28sqKSrlP4yLPAvHhJkX2ndv5czMrKvX+5lJ5u1PH5kxqWu36xpZqragz197HsVfHAICxo6vqwbVf+g53w6kkITiu7v/mZuzk+NZyxy9vXPXyz13aar7q/oi3sb+51njrXpJWJ+M+icz6pTN3Y/2Qz3l4K4iHgQFDPiDiw+QbsTccp9aEov2d4nq3OQEA4GZRTVR+mrvd32ccSCn5yg33MM7K7uHBRFd3moNnDXIc8EczxMZI3M38gT2hWCqRYIiClm9mpVRtbm4uLJSfu+R19faslgL+WNydvF6JYF+lEDNPj8yDwaxoYbWvbqzMz0ZdS6nlH63wqJGh2ns3v3BqLQfy+eXhGxIfg8n2xRI9APAamn1ujWpwoKlXSzaEa7Y3Di3tY9C5W/9cuS7RDUe7VffOImqFmgbL2+CdEh9NEvRsbbJbcn0/AADI9iVCADBMlrbm2GeXZ6UX39lSnE7EIRioi49uGEGOOprRKwTCQwsLSurDKuOTD+SHo6Oltw+kCgI/Wr/M9LKi/ZqMAGJODYsVxUf+AoRI8347v71tNOiO3vC0bml6Zna4oaydrTWYzSjPLybn77zX+Yud6f2dI2Oc0sAWgfJpDWeA+BhQ81l3H9TN6y07WB3CUagUmxuWHd3e2kSiw2/ahQYA+cZAqX9GqjVrvPP0w6ZVTgbahu/IgdYLO+7+OuLRg8nd7h875+oAgOKn/54tFa/2RpUk/lWemtQCrS27G7ktUX1QQqQ4vjsX7ey7aWIAAFHPqvTAqMXLudY5FVlZ8f/esiNRi4b+6X6yGgCAJtSTUb9r3NGAZUqQBnVnqGPN4JJCi+pRVAsAlHpzQwQAQAlDf3f32m+bdqRI/2On+sEFVKOUPhtCTtOYbFMKANQu+35C/Z5lkLTS0RK3jMw7qb2lQLxl4jsB094QkV3QC0CT5GtnWRNtlngGVRo122EXfQKCfK5aX/yfD6tcp+dUBGjfqUgBAIHKhgvj/O+m9PaOLh0gAGASZFfXXCvY3p4bbquN2VCoLQU1eo0h8XdpyU516y97IM2i3Kzorj4eIlsqDL3+9fnzDm7ZJQuCQ7WxcyD3Tq6MAVALJprKH3/0slQGHJ1me3x9werKZZ/8AelJVgTBVHlRS6FaZ6SB2h/IKXb/xc17ITUVPf2FAXW85YWpSQlypGB8BogPDIRuoczL3vZ+UHb1wMTE8ulzOntdTewn4QmtuNk4NVIU2bDPb4llTz6z1VVJOj71HlcCkIxppehnOeHXh3dHgj0Te3q6BkdG0xxutQgEYmnJQo2Dv1debnZQzvS0nAKT4UPa6qJ6aWfMdb/snJ7R0QUUAGB1ptg2Z6NylL9R5lG7faCRTwR5xnZ2tU9xFkdYBXHezrOq4/ebfs/vC9egYL+bN27YXPzWvXxDeUxtqKLP48vM0LhWk3oz4Cv3gIc+tpcunH9YvWN6/vdHxifyw6LSO/oOCQBgVmdKgir39roz84eagXjLW90jYFPlabkZK5gBXtO5QWhE6ExRdWponwLTaqbv2Tpvb2lQPVYSe9Pr9oUpuVL77o+skQYRfzo87JGTc2hK3xKnuKC6cGzPDIfrI0UZDznyI6O1SbvoYX0xnt2pIp41nTJgPJjgN8dn19eJjWYA0BlRndE03ljs8F+8mkvbBibZPjUyEsCoHq7/y9DjM+A6TGc82Br2+yq4bQ+xHHnenyovailUYXoAYAAIxoQZtdN1XQk1c+35kUEB/omsJoMeg7NBfABAYkrVfktTfqKrm4d/YidPTgMAcbjSneTj6xI1ienQ9d7yRyVSJazUBMW3jxAAJzYspbjTOm5CSgGAbrn8ZzXZtlMSnWg018cvKORRpN/dz1sO5eKpqdGKx3XlUX6+MfEl/QqMMRo+MOeGXrpTW5Xv4ermn9Q6OjZU8TCPJ6cVRtNMmn0WTwFgUnNZXj7+4VEFUd6hAf5Wc4ojxVKFavjWRZeDfdSMm0RiQVTQ15NiOQCQ0s3hwkc+FdxNHShVQ7esnAUHOi2G5Id+U7m5cyqLEA3IflDQQ7+ErMfsWbnGhG/3lwXnSuSw0RYdVdv8onfjLRCfkVcdn5LeM3/052sQH6Hj5nu6+yZlN6sAAIwb6XY5owIAIGUtf8x2/WREqtAoFO+U+BgzSR71pnam0crj+vW/+/trd266u7rY2Vr/z7/5+eWoYZPJCGAeZYUER461bhw1zGA8ktwwr7Vk+XoFZHTy9gAACOKoNmxu9PF/ulZZ3twzlOGbugwAupXBxorgVTUCHzXxnfQA4BK2dQRbtC+nAAAk3JrK7hLMfGKpofl9Q+k581tr69yaon2tdjwpTyA5O3p85FNLPK5OCHJ+PE8AJhpmBwcVzE/tGQBgIv2G7aUvHZyc//Dpv/zjT12yJjVGoE04BbRZIeu6eK9UAwC4YTPgn+ICPOfVR45LVMcLuBs7t81hxSd9Zl23C8Bod9Od7rbuKQzohyVEeuLIpgoCLv7ms8+vnPvK1cXR0dHpF//4//zcOqtv7Xh9R6q43UW+7gUSGswkAGVgsJUk69wpS1pK9WFhoe2EWAVG9WSRX2zZ1p4SAIDRrSZZ50zLAWhDf6ltxQafpgBngCGMAPTRr2Ob3p+lVG3vjWS5X7f6raOz81e//dnf/oN9xogUnskS8cbEtzTV/OD3t33L2uZnJmd5yyacpF5tq2um1EV+LrZXUkrKR6Ymx2c4s0Klcrc1JCt1aHS0MuCRi0tA66YGtGrlu9Tj024M5jWWs+sG56Ym6mtTnXLa1tbW+fyd3b39obaKILdbNetmAFDMjXjdjmlZM1vilZQHw+mxIdXr1O5av9OXN3wCmgeGhjlTE5Nza1NTGR0dvUOj4y2J7vYPu2cP1BreQEZURNPwaGNDekpGr4UuP1bio2nY3GxqaqobGZ8aYof6lnCkBACj21pZZcf5XHMN6egbRU0mYEwKXmd9YXivnFJJ15qLg0r6+1m+bDWihjNBfDTI1/xyenu7WzmTUyMDnQ8zImsmNtPv3LrunVs3NsKZHOPMzm/tCvi7/NXN7fpIuwepbSICSMUhl3U3oGGP0QpqA7wKR8YmRsqcPHMTUrsIs25zcWlodJT9KDR3dNqA7GRkJd27GTs42Dc0MpLp4dEtlpg/JK8uadib9cjsmRkbGR8eCE0PLe7f2t/d3tnZWVzdKHb7eVDDll4j315eHh4bzYuKS755v1koIQhkvezBg8p9sQnfqffPyhjuHxgY7E/zi85dlSNszwe2jhkNM5OciTEub0moUOw0BGamj46OlAaF+Q3v0/sjmQV2X3rW8A16UQV7sH+wv625zNExY/SA0KHa3d3d9S1+c5Lj7YgiwQvBRW9KfLOz1b4BgYG+Pg8D/R+lV+7LMYamXoX4jPrtbFaKt49nSHBgUGBAaFTiwIoKCHVp+CMfH79mLndDCfAe4vhwPa8lL+beX19w9kpt46mf/kOn4nMmmuR6HQCsDHe2T47Kjs0QpoPe7EesdaF5Y7XZNyAwMMg3OPhhcKBfVOno0nJXUFCwv49H5sChVH+UUvZgvCfC3zcxrUdskS//qOP4dMhydEyUv493WGEfiiAAQFJIY1Kih6+/h5trZHQUT6GklMLVla4hjpYGADAPD1cEBwT17m5ZajgLW10zQwo6Yrx8f//P569f8YyuWQO9aSchKdrXxys4KCgo0D80Pmd+78i7L13oGNlcBtBh6tmuR/55w3ocADAB62HQw4dZ/bv7egAwyNpSknx8fUv6eg8JAACTufdgyMnLNzg4MLBtY0MPYPyQkg2BkdTNFrh+ev3OBYfQkoWnLlcGqIOxMo5MBiZVb3a6r79vYmnn4D6D0AAgG4v1z+pDzQBglBc+CvELDAwJfrSuNxL67bSsBB9vz4eBAQH+fpHJOaMbKjArCkIf+vj4tyytAIBodWAgO7FkSopQjGQyx8PbJyw0rX9Ze0qZCuRr/YPL0y8G/b2FrS5NMzRNUxTFUK+dc4Omacu1FHm0lSBoiqZpoOn34NU9ahMh3CwNHF1FXzAMUE97jzllXyDGhvPqBtYswUOW3rDclCVc+ejzqcGggSYoiqb/UhKK0zRDUdSpMG+GAqBpmmEY5lgQnKbhtCwdRdEnPXwWiA8AwKBUT8dGDXQsSY+9+MzTCUxTT/fCR7eErB1wY5OrOnD9UXGcoqhTQRikZWKckkQnGaAoiqaP7v2DC2A2KedThuumhIbnvicZsNwRwVieBcbSV0rBUFJZw4lSJU5RR7d/jJPuZY5D9vBTBWhLVzMkAFAMRR117zMcRwMw9PeRUPwFWLy6b1Gk4D2c3GCMJuPzg/dnQBOI+ZU1yF6Kj5v43hCWre5Z0ONjCPTkvM0rgMINGPY6E+k56PV6Ozu7D0mPDxjS9Hwixz9b3KwzvZGQ5XfGjxRvFWq1GsMwHx+furo6nU73hrVpNBqRSGRlZWWp+W008BWhUimVr15aqVQpX6f8s7+kMhqNISEhJSUlGIZ9t0o+YqAoOjMz4+joqFarVSrVe26NUvU6bVAqX6/8M1Cr1XK53MrKamVlxWAwfLdK3jmUSuVr3a9S9Xrl3xp+pH6r0Gq1er3e19e3vr7eaDS+YW0WGTIrKyuVSoUgyFtp4VmDVqs1m82hoaGlpaUGg+F9N+fMQa/Xz87OOjo6arVajUbzvpvz7oAgiFKptLKyWltbM5vN77s5Hxt+2OqeCfwgPf9ncHa2uu8YlrO6H9RW94PBD7JUfwokvMwm+n3go3duvCHOinPjCDS8Kwr+4JwbAADAAHVGRurP4Qfieyko+S5vXih4N7JrPxAfDoCReoNBT5JHDlMzQ1FnU49Ptde/vvJunu0Pkvg0gv7VRXgzX987wJsTH/Pch1cmvtMRIX8S74n4iNXFoeB1qfm0Z/wlrWVeIrjIvOS/x5cyz5Y4/vYvhPgsvcDQAAxzqptIAOjLmr7x17/64k5H1yIAkGDihZctc9csxc4S8VEgXngwwzs8mo8vmcAMnIz3M1PhT4N54f9H33yQxCddd5qa2f/Truw/oVDKvPBcPN8tL/ThCwTyQn+fGovn8abERxOSzu7S8PAnjS3zlvSVr058atVUQkJSeHh4QlzCrg5hDGhtVUV4RERUVFTYk5jHEUm93F2VRmNv/46JzzTf3nzf/d6v/Os2tqVH35nRzdbMstYurdEEQI+Nt0ZFRSfEp7b2LZmeHUnCuFxfVxwRERETnTa9cggAOnSzuqZoZvdAZ3kLUsregbKIiIiq2glLJN/HTXwUbeD3sh9HRMdEPM4ZEyNmCoDZ4XdFR8fFxcQuySS0QTZQn+3q7+Lv9TChftqAk/T+RFVy1pL06GDMWSE+g6w8LTr2yZ2/vR9b2yMABhcIBmJi4h8/jsrJLRSbjQBm4VBZWHh0bOSTjMF9oJ4eF8BRRWF+XkRk5NHcjsmc4PE16tXY2NiE+PyFPS0AAKXfXe+Pi4tPiM/n7WrhAyQ+7d5K5hO/v7nzqLRtF4DUYpuZmdlPnjxJTEjYQjUAYMLR0qSER4/D01LTDwyn2ZGSyMZiYxMiIyMzc5oJEwDQCvl4TEx8bHTM8OaSEYDA1BWlxREREVFRUY9CnxR3ckzPmRx0S90lad1cHkIAA2bVTP2j8KjYyCdx7atAP78CfVPiE+8sNedWstiF+U9CK+ZMNAD5anp8gAqb63rz8wuKiksTYv3CMlsJVD400FdSUlJUVlf65DMHn3992CqVaJCr75L4aNN2R10ui5VfwC4K9ylvHGYAQLen5TfFelx79MRtS6Nb5jXGRKQW5BeyC/19wvImOOun76qNw0oqYNXW1NRVN+8coiLRUlllZOSdX2dxF0QmAAC5cKM1pyq3sLDwSWDRlMFCfR8x8WEmdCr71ykZBdWV5X2zfAPFgGa3pKg1Ly8/OSHYN65KsjfqUD/wD2X7qHAisq71QCTp7MrJHF2jjhcHZ4L4jMru+MiE5JSEouLC9NS69ECJeKWqrIvFKszLcwwOvZhePqozqLn5f0hKz6uqLO+Z3nzmckLd0d5aWlrGLqsvDv3Ha35f57YPZiZn5rNyy8vTfWJaNOrd9uoka+/Y4nxWeXm6V3QjQ+iNRuMHRHykcrcs4nFOeUVBdkZ5TAj3UN+Sws7Nzy0vK8nNyyvN6CC0kt7U2KSwUlb+k/hY99iCMvyY+0yEllfbm1fILipNLnt8P7tXA5iwobqHlZeXlv7E/UYBq2YCR2X9Pd0lJaWl5fWhQX9nk76ofnYxNzuXE3bls+jGyh0T4KRxuexcQmpudWV5y/DCi619U+KjzFqLuaMl5nbe8MFryFLRJssBJgAAdOXaJ+xV9TErGw9bHns7+NSsqQFRK+3f2VaXwkl6ujXNO6ak3LIrMxgwAGqvJzs35WZjQ1FmjcO20tDckXw3YxoAAJDZ8IqM9MWTR1Q80Z3m6d8/PMybn5veOkQZABLZF8lWSv3z5hfFJgAAmkAInAGAgZT7Kb17H/dZXQDAjOhM7k9aOgeXl9YJy9kXSo+gBgAA47bzz1j8g5GUuMSf3+rubytnDXQN9bSXxgxpToUJnwHioyn1bqHDHVb9rsTypiI1JqMBQSzP7cHCfO6Dr5rXNbqFwl80tvUvLa4Z8T/RWmyvyMv14eOGnY36nzvmoADAyEo+y13dHXGLS/pvtpN6AAA5+9PMQTFp0n9AenyUcZ8X6+zIUVkE9zCj+qDcLaNnZu3QACYhhxVUsipuvHcvWSgBACAOlzuyXaYkiqOrGZMOs0Qy6/nl9/1qN4HQoCgGAECLgj5ze/DHyk3tcZdie0mx4b18OL1vNktWOjP9q0qd0wbLd02Ak6al4k9rm7qXllYx/fMKVvAWbHyMcYkzmpCYEPq4YEGNwnE4y2s5NwTTCaFZLfSxVOdGXeKj/MQwHkIBaN6xHh9pxhbaWJFu3hkZrMbRPRwo5UZqQbNvh064MtFVG7+t1m0ulUZ5hWTlZJSyO5McLkfVsY+7n1ror7h30SEmLtrf18fe6VHq8BYAkIBvVvuzuEfEB4Bv8CYSk5KCg7M5qiPq/4iJD6dMi+1pLu6eLk6BEaWLcuTpSUAJjxWcWm406jSrXf0Z10PDc3oq2stYCQ3jYw2F+Vyx0FLsDBAfmBmC35Xg737b53FMRn5+l/Dpv5ilypoYr7SqIRxHN/tYLu6eLk4BjwpmgXz+eaNpYqkw2KecnbNuJAxzWSGhKSnJOXmFYU7nG/ZWWupT4z1up6Wl5eQVPnI41ykWfVAiBWAgsIl8H/eo8NTsrLYDwAF0kzG+d70CA7wDAty6ZWb1Yf9XocMiBgDAJFjtynMbEUiOr2bAIGXl5Sclp/i7RPdJ1Cd2Ou1Otdu1griyGYa0KJjRa5URntmNpwWBgTGO1eel9BhE/dnFwy17ZgAghBMlLu5eLk5+3qmjQD0/Fm/u3DCv8aby8/PD8yob2rgAzGsRn/FgUdoSEJ+QMoWc7NdVpRVFkY0bFuva+3BuMAbtfnVVZVRgZFhFa0dsdEv9mAjDN2d7UiO9hqQAIJzsLmUXl9TXDuU6XY+sKjx577S3xj52bMEJYADmO2JSG9JMOEUw+EaVf978ouSo84mdFU5hYWFUQVlFPeejX/EBAAUUxQAqW476lXvdvhIz0wBgXO7MTozuFD6dwCZC2101VNE+01kUllJQkPqkQoOo4WwQHwAAaTZpFmYGO1KTUwIDcrt3cQAwbQyUPvS441+yamIAgAaaogFTrsd95jIi3jt9uhsAGFKYzipKGxSoAAAY6VprIbu0uKw6+t63LftCILelK3mFRRXFZdXRd79tFQo/LOIDAMao4UwNZqSlBfpmdK8hs1nhQ10pNV2ZSfHpGcXNgs2mPwaPiigAALNgrTvPdVQofXqxSV5SWlZSXJxSVpLMGgHaBADm7bHqjCdBjTsqAo7Wd4wsr4hdNCs8/btSXl1FbNahxDhbERzMbpqXg8WpQdGg0+4mf+bUL9p9rqlvSny4SWM0AwAs1jd4OfSozNSrSs8DGA/W26Odbwe3tk08tVLuddfFxCTuaI6WQu+Y+EiDQqzUWFpjXmv91v3W7U9+anvV7uaN6998/dVf/9+ffPuwU39smFByO6JCo2omRAC04ODARBpFE73pYd1iAwAAtysltq3SZCYpoDerfFm8dSUJAEDhGp2RBoDdgQ4X+1aJgYSPmvgwHYLjBACAajndMbdGJtYCILw+dtqTkoFTOhA0yquoyCxd3d3Z5lWXiVB0Jj1PKD0zenwUJladbL/1SVHOj+fMurXJirRH0T1KtZ4EAJMBNVkSemnWcpxYwwICGL1CvC9RHk3mparC2Ow8OfaMy1N12OfmkSmiT3/T7+aRKYEPTIEZCI0MPbJW5cVFulVkOt1NGRMCANCyzThHl35+r+u9uD0AANJ4wG3O9JgSyTUykUShBTApNUeHdhkJ5+ovinZ0YN5dqE3xzerG8FPTZLOlPDoxTW7CAQBDNaKDfalMOVccdO3SF1ev3/jVz//t7//W9tOApqq+FbNeBwCA7RQ5ZXTxzc/5k9+Q+Mi1xbHM6LT0zPTgRyn1XQuvvuLTG/ejHlz97R/9ExPyS4pyCksqlw60AHqWk29R68xJK98t8VHY3nRNfW50YnZhVnpcanRIPU+DonqdzmA0r053JEe4zR4okf3NmvyC1Iw0v/uPCmq7pDitl/YlPvFhLdFG7Vp/ekRSdFZGRlJUamD1KF8tE9YUFLvIy0siAAAgAElEQVRe/LevneJL8nMGFhb5m0tZUWnpGemhYYnlzdyPe8XH0LC1WZeUFJedw8qOD03uWDYygKIrLue+OXczNLOExWazp7eUYFDtTlWWl+RzDaDX7lQWeoelZ6TFVOv0KJyJFR9DKrcjU/PT08LzsrKy05OCCsr65hcDLl346lpISmE2Oy+3oLy5f6oqMyMuO5uVFR+W0DQLwFBK8VzmlTsV+ygAaRAnOQQ0Dx4b2s3KsbratMysuJBHVStbQCA7k13FhQVZ2dlxIY8qlzcAmA8qyxqNCXi+EZl5mRm56SkBrIKBlSVWeHhKcmBBATslLT0jN29BjXHyUuNycrMyQyPCQ2NZPIqRb5Rev120pdHJGnNLUtPTcnJyIiOikoumUXT9yS3b310KSinNK2TllNU0rQkRADTDwaeyaw4ASKDWu+Oyv/75nbJdHcEYDEYNik0X+wWy6+YVcDjdlpUYk53LykoID68YBnjbXl0DIhxqK8wvyO/qXdSRAK8czkLh0u7etsLCvJKSoqIidmlV3boQAUoz1d8vM+pPir3zrS6Nb0/0Vj78f12zk5tXTocjmXTKjdUZHUkZxRt1RcVlpcVj2xqZEQBAu9ybH1y9KmEAaMnafFVJMZtd1D85QwDo1fut5RWswiJ2Pqu8rGx8dc1sQMY6C/MLClrbOSgJ8LGHs5Cmw7q62sL8vJreOdxsAgDCdFDbUMcuzC9ms0vKyrl8FRgU+/sLK9uWbS+1tjZWWlSyJLXk3jwLxAcUgHyiNCPzzk+dH7uld4yIgKFlTS0N7ML8kuLioiJ2ZUPnhmCvpaWxMD+vunvaYDADYEplX7X7ky4uTQOY9ZLJ4WG1+Xgm4+qJ5qaCwsJh3jxCAzCGXU5fRWlJEbtomDdvyb33YYWzkEDttMWeCwm/E9fYdwAAoNjoLK/MYbOLy8vKdvUWW4C2o6SUXVzc0jKhwgEoUZt/eCuHNgMjX2tj5bOLigqrKnvUONCEtKOrubAgr6SoiM0urGlq3xKhDKma7B+Qm44eS4VwbaGvc2xDfjIz1MLVlb0NHQXAyLu6Wgry86raRzWo/sXWfgAnN951zg0A0V5T6fL6f1zuCNQ4p6hv8+A7/9zHTXxvjrNAfAAAtMHMy66Y71dgL/ESvgTq9cO59MKZ6ecsfa+OD4v4AIDQ7dTNtQk1LyGal0JxOJw/Png6D+c7w4+YN4alopPPFEU9fPjQIlLwapfC6Rqe+7dKpbK1tbUQ35s39ZVgaQtB/JlffKbBAAAkQ1GnO+H0tS/e4+k/LR8iIiIsxPc93dP7xYvj++fH3VLg5MPi4qK7u7uF+L73tv5pgMV3YSZPGv3cs8Q8M7IAACTJUPifnkjP3/7zk0Sv11+5coXP538gEwMAAI6UVk9987LH4fgjw5D4i935bNk/N0/+4/b8iQt/JHx7EAgEEolEpVJ5e3vX1NSoVCqBQPCGte3v71tZWYnFYrFY/Ca1fc84/G6XCQQCsVis1WofPnxYVFSkUqnebrM+dAgEAoVCMTk56eDgIJPJDg+/Yz+/PRy+Zhtet/wRLBPDIkbJ4/G0Wu13qOQ94XXv9/2M6Y+MbxVms5kgCH9//6amJoZh3rA2HMcVCsWlS5dQFMVx/K208KzBZDIxDBMWFlZeXk7T9PtuzpkDRVE8Hs/Z2dlgMJjN5vfdnHcHHMcRBLl06ZJlq/u+m/Ox4Xux8YWEhLxFPb53b+N79/hBj+/PYHFx0dPT8y9Tj++DSi/5IeEDcG68Hz0+2shQ70hah/nBufFncVacG0cgaeIdzcYPwblB0sR3TyryHvED8b0UOH9/Y3hdezrv1/eHH4jv5ThrWdYAAGgzulc7I3/xONr3gTNPfAyuO6idkTLv6k3wFvF2iA+nCOrYJ/1axEce47lvAKj3ll4SAGhsgdsd2HFoefbMBE4QFEEQFImfiIU91+wTMEDhBEkQxCkhMIYgCIo8na2SIQiCYY4u/+iJD6dwgiBxHAeaOMlwShAkReEAwACNLLUvlYUmpbE31vYBAGicNz3FlyNwtvT4GAAaFNOX2fOo+WhwLdPgxINIkSRBECRJUiR5OqHoCUiSxHEcjoaeNhOnZxFjKUAQR8cMzjzxkaCctS3gIMZndCufU6gmaTidQpNmgCBJkqThBbc4Yek94vhoJ00QBEESuJ4GYIiTMi+dCRRFHfU8RQFYOpAxES8vDG+J+AjFdPajxKxNlQpeh/gwZNLLy8fFxcXLw4uLqABAZ5z18vLxcHOOrZ9ZVrwv4tMtsrOu3Dr/iV3E6KZRr9ltZrl7edzz8nD3iytYO8QAdO1tWU5Orq7OPgXNLVrqdJZ2gtvfGebl6e7mnl5ZozaTQOO9PbmuLi7RiS1LuIkEAEBb2zOdnZ2S0wYt64aPm/jMpJHXnOTs6unj6RZVt2A5t7e90+zm5u4bkCkWAGXeq6gts3qckp2UUtjRbqYoI6+5uCJ5S6k/U8THaPbYDx/6uNn9j/M3skt4FEWLhN2urp4ODm4RUQkrehT0sviYKDc3Nzc3twcPXIOLJ6TI02S7ALKJ4WI3d09fH5/ckkkDgEwuyvD1dHZ2a1vfBAbApFmba/Py8vL1Thrc0MNxzo0zS3yaxbEE9xt/883l8OxFiZagCMKgP6ivy62YnAGaBqDNhE6wVFqTGVUxxXnKfQZuHcvdK8CPI5Wdpkg9OuXu7u3u7hLgX7CtA5ox748UOrp4+Hm6+bInivYBgNJqR11cPDxc3eoXuacawoBekpWW5OLq6u7u7uTk6HKnb7D/QIPJWf7ezs5u1XOnCx/hLRCfVj6emvQ4zvXTEZEcXlmdhdHw68onJicnufO89sZsD88Ks5pf4184PDa8uMzz/aOHn3cJhqnfNfFRqun81KSqmtk53nxjRkM/b299vCv5q6S+8blZzub2NknpxQvTFVWTU1Pc4dGbPj4+rR1Pu/Vwqj3JJbq7Z5bDGSkqCKkebh4ZzQ95XM7hcAb6ci/b5PQNLCiEW1NVk9NcbmeKc2SP0gzwkevxGVFO7idt3SMLC/OHEjlNEXqDYLZkapLL5ZYFe7BmEcnU7fKOv8/bM0inw6o71rZ2y+oLi2a1JzWcBeJjkMNiV5fc+raOOS53fHSi+qFIyK0omZ6YnJnhxGdlXw173KbTIZubmzwejze/mpL8E99aEfr0uaYXeYWhZRUri4srS0syqYpCREXubuXlC9y5mkdhAQuSkey0gH+8njozPbUwX+fulIvpMaPRcGaJzyRYTvT0aZlf4E1P9bH9WoSoQKxg5fuy/OwT22qBYggcq6oKKJiazfeySmirYQhLX5C9XTHRDueTL/2fNXuHcDymGuW4s3vy+OQkl8ubnSn0965X69QrZZ82tvUv8eZmDo2o0QCa7arSqampyf7uits3E1VazdPWMCb+ztb8PI/HWyvK/uX/l1hb0rtREeBZXLQwz20IDnE/FEufa/8bEx+FDtUnd7b1lpacHxG8BvEB0DR9tPujMd79z/OUio2uyMTGdq5axM2NjGCnT6oMBvW7JD6aJCneUEFgVGqy7DjTkGR3oC7i155paWWllZPzQhIA4HjTio+mhqSm5Cwdv9Wptq4U75hVywhLe3NK+pva+jMdUsYAQDw5nPufvszImrJITABAS8Q99uRfgh4fMpn5eXxKVk119yFiee3TFBAAsFkVEVw1hmi2qlIirS7HZaUkF3T3jDXlVebNGvQAZ0iIlMERQa3f7cdJQ3NiAwBQADRF07SlSXtzM/mOVvUi/VELqYORoKjCRSU8PRiPHCZeeMAuLiotyMtcwnaMerWk48L9SrURwISssp0r16YC4jL+0XYUAQBcVf5FQpfIeIb1+GidaDnD41bHFh8ss5nCAUBnovhdGazBdpqgACgcp8FklLTHsYYs34DmYJidk7ZQGFRy9b/W7olPiE8tG/z0brLl6JlRtpX+x6wJhXGz/Hx0Qnp1Zfu6QmLRcaQZHACA4rv9Jm1KaHhRjp4WTT+OzB3V6BXa0Yt382UYAGnYZjuy13ee21m/KfEplmbyMie2Jch0ide4WALfQY+Pxg86A+Obh00kBVul2d737t3zCGic3NTS70GPj6HN/Mnq7NBr7u4+ieVcLeCYZLw7j12Yk5qS7B3Kmp47zvVn1u0X3Yt6Ejm3eZL9j+4eyvVvkFmsEXJuDrunfmVhIMHttpuHl7e3R/iN/z21M4cg8KmeRgeH++6xrTz1kTnjIyY+GuitmabMbFZcTJR3fN+2HAfAkV2em7vbXfek2nUVAGCHy7yu5PKaLk5NY0xORVNbc4KvT9vOhqWGM0B8QAGIJitYiY5+Xi4u3r5Fy6f2aJPZpb538gc5R1rzFD6T6v+orvd0TACmnr13+UZVdXl+Ts6nDhGu+cXjnHq7mEkpAwDqhRKXqrXN4f60qrDPHZ3cfP0fut37RbdYcpZlqUiGXGxIdA3ycXF3TZsyoagZACig+Z2JuQNtNHE8WCS+1xCZM9jGUBRQSEdKXjMXDmfDiu7+VfOh5CRnE8Vsd6X53H/g6O3t4+Mb4Bf07bRMLVvtz8rJS0yMc75TxqqfBepowaGcyg0vzCeNLx6Mo3n54UFFDQQQenWVbdyggAIAZL3MqWRtB56dP29EfKhe3hNrX1PbOTnDCb/xafyAEgegXof4lJwmTsZ1/+QGPgWAqxsDfatWFkcH2oP9nPwCKtZUjFalfB9eXfPK6mpDSsKdsNqtU+676SepsemVAAAG9XZd8C2HvIxh0SmfBdPSnXM3W2J5swhH8/M6K3QGw8Hu/NLKaldDVcr/9a8pxU0MMKhazOVyi4tzkpO7aOYjl6V6CuNh1s+cygQStRmA0PAWFnv7qt1dCjH9kR6RAZFWls6Mjs70VTxpmJws8M6XKqVwRmSpLGC0kkPBYG9XiOPDwiUjACjGiuO8Qx6kTpwoapq0S+GF1YPC05ZfUKj6HD9Nk2kBgFrM/0nqQ/vG0fpfZY2oGCBJdKHIsXpLAKBDlYs83tI0dyb1/r0usfQsE58Favnh2MhQwH2fX7UqBhUAwOx2J+UNtTMnx29J4qApOm+kgyTwnd6U3LiYmfnV0ST3vMv/xatOoDr1csA0W3Nc3tLS0tjESIyLK/dYoxcYdeXn7nF/8JtD1ACgnqxITkxt23+Zf0O/nVBa1rRpBCBQdc0vnXskADRjWC9xKlrbfpvEB6gkN+iqm6e3q5v7J3/7P877tGxLtcBQr0h8wtGuvMAAz+S52VUaADTK4dsPkgVGAApfD/z1I4fPx2QyjVL5DgOYaaNik7OxKVKZAEC7XPNFfPkeh2s0mSiaIVFBdw6rpENg0qnG08P8i/pnhAQADkCbdPLpiTElqpvtZUUm1iopIMw6bl1iUUvj8VaHbMl9cuFyV/8GimGaPYEOgFrpbvS806I0fczExwDIFXyFUkHRNL7VHfGwtk+jVpu1K2sqAJpQzt//LHNRZgIAQATjBSl57fsH+9ucqoJdtXo0Pk8kPzPEZ5QNLcv0OiMAAKWNT3SNmUZ326tS4hNZ83qKMB87amE4PT0lu4RkSABgzMg+t29yS4HrJC0hUR0rBKXlN8V8/jggiLM/E3YnZJkAQrVWE+k1fiiB443xzlSlV0Qxdqb1+BgaEYxuWKxsVG701f/sMzawbwZgVuqfxLX0kkYjAFAAhBnbqvWNa+0jddhKa7a/p6OHt//1r//t3Cc/+uxace+qXLI0MLwmp54aBZjZtvjg1FGxQKFQiGkGCPFU9jm3uw7DIiMjGmxOi3pSMYsDzgBQSuEqr6dtdF1m6frZAlZ8fK6eNAOATjUffNuHiwOp3WmMdh/YFzx3A2+41aVxGmiaUaildU++bdjRwCsnG0KxFZ/b1p/87LKrs3eAn0fA47iG6Y3urEeOjg4+Pt73/CJj6+f2jBTyTre6jEm2PtKU4e/j6+V4zyXoUcaYeKgm2sHRxcvT09XDO76sS4max4ezP/2nz7+5ed/fx9PP2yM4f+BgfTw1yq9s0QBKfntqjI+7u5ubu39U/Qpfq1mfTfD2cXZ2Tiqt7hYCQYNwZzLF393JxcnFM7Vtat8y4h8r8QEDu/wGLy83d3d3z5CYuokNCsBoEDckhDxwdnZxDIotnwfGQKkFS2P57LLuHRJIg7Aoz+O2i1syu9VsMsDZ2OqaEGFR2mN3D1s3B0dPN6fAitHpjbm75//4iz/Yu/l6+Hp5+Eemc/iIXsuPfuDZu3BEVaRCNJ9tf7dSoKYpxWRp8A1vN/cbPnns/E4ZYdZvtZaGeHp6ez8MZXHBjM7VFIcEBLi7uYdERLXuyeBse3W1krWYEG93J2cflwcO+Z35k2aVUpQTEGj1x1/82+cXo1NTFiSS7oxML38vmy//+cefX4xMSV5RaWmKNhAEvymm2PonmcsKBtCdiuu3irbMmKwnLdnZ3d3L0zM8JX1eR8sOe4KD3d3d3H1CwoMLOMtiBNEuu9tf+ORzWxd/zwAfz7xh4U5vSs7XP7tWuqeigaKUcTcdmk4yf5G6g966R95e3t4BPinjJ9vkE7y1AGa55NCEm+HVw1kY4+7uFnd+bn6eOzc3N7+wiGA6g3ZjhjPHm58XSNU4BfA+wlkYBX9jMu1fUkY6VnR6AMIk43Ln5+bm5nmLiM4EAGaDZH5hgced43K5c7OzWwfig7Huksh+OQIAgKnE83Pcubk5ocXHrVfw5rjz8/PI8S3QlHl7Y5rDmd3Y3LO85T7ucBZgDCurKxzOzNrOwYk1WnbIm+HMLvCWDWYCAIDUqdVypfrIaqNRCXnzPBV2tNk5C8QHALqtsf720K+TSpN6hbsGADBubG7Mc+fmudy5ubmFpWXMYGZI5FAoxC2mK1osElex3NLXdwGAAVq/xJufm5tXoSh55DrTL3HnudxFnZEAoDWyjXnuHHeOKxCLLRPjjMfxqbjVt4uKw9t2NxEAoAF068srs1ze/Nzs1vY2otMJ+PzZubm5+YX5udnNrS0jfrT91+tRkeBQb9YDtl3ilb6yDQD6/a31GQ5naXFRprU49E3b2+ucmZm1TT5mCQMD4w5/c547Nz83N8vhSJQIhmolwgOpUgMAQOuEAoH5mUTm+DJ3nstd1GAvOVvyAZzcePdndZWSsfF9/n+QBvoUlrZa55Xy7/xzDMP8cFb3z2BhYcHT0/O9Ex8ARW03jm5zzPirHdtA9+UrtR17G9/5/M8ZJz4Sl05ujupM3/3ImkbBbdvhvZvzUc/hR/RbBcMwNE0HBQVZiO8NawMAlUplY2NjMBjevLZXBgMMQxOk5V5erTzFkNR3/j0ACA8PtxDfd67kYwUALC4uurq6EgTxyiPy/YBhKIamCOpVm8EwJPVaE+kZAIBOp7t8+bJFj4+ivvsE+57AMAxQ5JsMCTAMQ76fYf3R7luFUCiUy+VeXl7V1dVyufwNazs8PNzd3b148aJQKBQIBG+jga+Gvb29vb3XLP4a5U9DKBSqVKqgoCA2my2Tyb5bJR8xJBLJ+Pj4gwcPLOKM77Uteyd4reLf7ccEAoFAILCysuJyuSqV6jvX8z3izW7wpIa316DXwI+otwoLmwYGBlpWfG9Y2+kVH8Mwb6WFZw30Cyu+992is4WTFR+O4x/rHHgpLCs+GxubkxXfD3iL+MHG9/7xg43vz+PM2PjeNc64je+DxgdAfO9Hj+8d4iP36r4xzohX993jB+L7/vAD8b0cStHBgVzy6o7dN8EPxMcA0EDT9NM4VgYA6CNn35kiPgLTrB7w4Z2I1J594iMw7er+O+qNt4u3QHyoTouiGIYiQJPwmsSHYToURXW6kxz1oNPpUFQLR8e/3xPxGeScxQbvYakZpwEA0SEYqkNR1KBDT55ME2HQG3DC/HxgJAAQuAlBEAxDSEvcA02gKGo0YCcFGJpAUcxoMMBxOrGPm/j0ZhRFMQRBKLP+RI+PohnMgAJJMQCqhZa+5GsPQ9NnJtcAAGjDVH/3qtwIDAVniPhohjDTh732bQsHR8ogDIbpUBTDzU8PqGGYDkW1L4rxGXAMRTEM0cpxOI6nZVAM0x+f2CNJM4qiKIpiGKbT6YHG9bozK1IAAACMkRQNXGvl7KpOpZejSOq4N4yEDkH0GIYhCHISQoxiGGZAKPolQTBP2eB4kmCYDsMwYIhTSxCKMOMvXgsAKIrp9NjpxQqGYRiGvSj8B29OfFL+aIa/nbXNlduuAQ0cMbyOOsvBfrud3VVra2tb60utu7vAgGC/86r9lev2PokdYxt6AGDeA/Fhot64iD+e+/2vv7jXMqdRixdKw7+8ZHvuqt2Vm4Ep87tqAADQC/pjbt/6xDM2cVetPnUxg+h6I6MCbW1tr9q5t3IUJqOqpCjM5pKVRwC75VCG4ACkvKjo8YULVg/cPcYPRZZx+oiJT29Gp/KdL1jb3bxq68melR4vDrCDmrD7NoUcnkGznljV9LP0wf6msszOZsRglA0X5tWzJMhRPPPZID4S2+KE37hhffnCJ59/kZjYZjQaFhcqrK2vfHv+6/sOD4bEEqBhebHS9rLtjWuBJWOy0+FpBhzjlXl/e+nK7Wu297InMvkAYFpdrLS5bHvtWsD4uBloRWNZ/hU7e3t7+8u2V/7w+89vZ47KDcS1q2eW+HB+b4OXnc2PP/u17+P2FanZaDAIhZPpyb4JnT1A0UbCsFEfbH/j5zY2V25eu5rUuQ9A7G43WV+5fPt3gffsxwSi07Uxe/zmy7ZXr1y5ctXevnNvH4A82Guxtrlib2t9N7F7cMsIlE6j3m1tivFPzz7Uap9tDH3Ab7a2uXztqk93jxaABqD2d1svXbK1sboY19nxYuvflPgEa3Ujpbe2+IeIVmFRSX3FFR+D7He3rkhlMq1Wu7XQ4XCp8OCgy+Z+/IZAgWl5sY7RPpdLVCZco1G/O+JjGKB2e5JC45ratAimXesdm13b3xgZyLpYsLQrkYgNqNLCU+rNjszc5Bq7v85Idl1XPh0Do3Q1vSCqbWxKq1bLNRqGodo7EzwjO1QItjFbdvVfInuap8UTAyUhdVq9dmV4qvphKapH4KMmPsykm83/Vw5vU6GQAn70QmaQ/cayx0kevyzgTKAy3oO82n9I2EUOxyMbOmd5K/kFlR2bT2s4C8THqPcyr90sH17Z0GhRuXR3PEMiXu5o3ZLJFGptY3OzR+D9hv29hgt30g/kGlQ15n8xbV/5dI2vMxvmC388zV1XysUKAoAhTLhio21bgSKKgYSbiZ0yAhjSpNFqERRBlWp23tepwzqlznBmic/In3vi4DqlUunUms2BlGEpJpGry6sS6iOdMrrrgWIMhHml+JOijplJiVglEwNDmEn1RvumXKtFlwr72eful+xix68GBtlj3WRtH2yp1Grh7nr+rVzV4ULhnfzdw10UUUZ9cTvMLU+tPuzoSq9jZbJyA/fUyOnGmHDVRvumAtEqx3NuRVfzCQB0r6N5Ta6QCbYn752L35I9R5RvTHzCtbZc/3POrm457EmZGeA1trrMyXYAU48+OF+wf9Bj5ZTCl6M6A9J07mrWT51nUBOifodeXYamiW1u5ePwsECuRmugAACk/KHShz+94nrf3y+kom3DAACANrXkNvTOzoX+96REzw3V0z4VDHb7fu0YGR0RFOAXlFG7ryS7e1M84vpMDLM1Mpj7v35SWtgk50/m+Ef0j64MtMdV9S/pyI98xYcaNeOpX951dAsLzeWKKMs6aGOpOq2odazagz03pcekfQVPnKztvb1CC5r7ODWR1R0rGGI8sRydBeIz6aSd4bfuu+fVzR7ozKZj0wwNAGBeGR3MCbhdu7fX9M2DHClqQDSSUpsnrQeKEzMlZkJmcy7ccXB9FJw9dLivP7oWN5jxmbyoiPouIJ7aTLClas+Y6i094Iazu9VFZJtsH9uC8SnMZOkNEgDMFPC70liD7UAyely/UmR709nqgadnxJPy3aOtLa434Zsded1u32TP7sBxPgaTQT6YGJyRP6JUqTiDaQXN00KVbCQ5JJU1us6rfxybU9omUZpJABAs9tTWp/CVmmebwwCYjTjBLUt7XFK7Y7Z8QwEAbV5z+iZxTYI+1/43JT4C16+vzIyOjackxrLyewHo19bjQw5WSt0KuGsA8p2WkItW1jfvONy7+uOc3M+nFFpErX7H4SyMkj/cmnP5qr2dR1zbDknghq31Kc7MTH9f56OQhM7eeeX8SHnSlFQH86n/PTXJZ1t78mJn+noT/bxDudw5DocTHxsfXtesEM5k+1yxtrW/e+9WmNv/kTpQZDYgymY/fyf7e265k+KjZ/sjJj4AEAsWx8anmuvzHF3Z00KcUm6WBZauiUDYHl40NwMAhAEV747PL6+v1Nf7swZaSvO9rtrnTU5bpITOAvEBgHZrYqQlJNLr1iVb++gemd5iOMKNBy1RGQ9uN2zuAwhnCz2+tbK5edvhwZ1/bd8XnJZWl4tWx8anWtqK7n+WmZDWTFGY6WDB1vbyFe/UwmnV030xbeqPC0nsGoSzLVIAAPuTDUEhXjbWVv71wnWJEQBooHdO6fEppRszMxPj45NV5elBwXUEiYJsw97W/lc+PtZJvcO7hhOLOQkAa+Wlj25ctrOzuxLSc0CRALBeXhp6zc7OJ6xjQiDVECQFAMLFtuqapBeIjwTFpp2d3RWP2PRhGXXyFqGJ/bbY1I46hnjeLPimxHdiN5R3tsc5ZwiNRoZ+VVkqAOC3JBWH3g5gcS2rJpzWY5hehh7kf3Ez8ovwFbPp3aqzwIll1GAyLdXkXgxgbz71u8BiQkFVQmlDyO9iU9JZRRVpX/1nu8tWj1uEAJZsM+R0BzvagWMhM+F4TG53psFMGUyIyWyaGWoO/9++yS/t5kx0RcYU7OjNYy2ZwRHpfI0ZPmrie2pZphRFv/Eu4i8M5tx5/CiouKws6Ppn55yLpkVHk1K1s8EqnF/lzY9VJ8wcCntLw7EAACAASURBVBv9cg6lIjgjslTHE4OkQby3Ge7gHDdrBAZfb4x9GJwf3SawTFATiel0epF8I/FB4JBUBTRBMQAMdcq8jtT8+53Ir2N4WgwAx3S6g43++98k7imPliTa3ZHQokquEuCse3WPsm4ppMKYezf/W/5mixgAYK8nOX+4Hehn/Qma3cTf+k+pUAAcRfVaxTR3MtXxSonaeJS0iUB24m6792pNBhRZ4zT4e4dyd3dS7nv2aMyinblUxwvurrFcqREAxCuddQ0p+5ojXQQawOIBAzDr9Abh9qjTN9EtO6RlSu00x4Wn1nNedoz+jYiPIJn19R6pVInqkGl2WErlGk7RFPVqOTeA4VUWRHknppSubfB1hBFjSNxgJvQG42JP6Z077JjWQ+ZdKzCT2P5M09Tk/LaSIqldTsm3CRUbnT1imRTT6bWHK9VpKR3DG4N12Vk5rMR0VsTv/peL578Iqj1QilY7GqunJYR8dbg0NmdhW4VqpJ21EeE1/QYzoTeZtYiqJNTbJmh+ZlXa05MUGjNgoumt0YH4oIBNrRo+XuKjGRAIZ/n8bUxv0EwV+kR3cuTo4mBjTnZWZk6eu83Pf387e3jfCMCQotX+/CelU3Lh/tpoRSpPLG4LzpUoZXAmiI8B7R6rb08ulRMEqdeIIhNd08blU9nJT+IK69dVRkyLGzCaIvQmHNPrJ6rSQnJrTQCMTrnRzaoaPxQJOHz+BqY3aBdrHp7z94idk2tk/UNCnQ6R7o3d/yppS2HZNwg6otMzc2poODq5cVaJjyKk6/nDItyoxw1IQvyNvwpend4zGgnzdJH/w7IenUYjEy9tb69qNFothsl6E/ySpyUq2cCwAEW0et3SyGigo02lQIvsDRdWjouU0v7rd9OFKpQkTIqD7aR7jh07bXcfZIq0egxBxzz/3cPNdkIqowGWhqoTkyLndqQAjGi1ry8zvmLikMHlfUMHGIbIBTPOX8W07DI6IOaLcx4/zmjbxIwI9tZlqejWtsc2NnbWF78NKZ/RIFp4ZRsfop13d7r6s1/+wd7O/vpV21sufuwhfmtUxKVLl/zj4jqFevP7kKWi9dLt7mxfB/vf/f4LO8+ohk1qtCfR2sbO7ort5Rv3M9oXTeYjZQ4djs7G2CbHJ2+iZsD6Up+ElKyQwKi5JZn3bewuX7bxjoteU6Cq+eFA+6uXbWxY49NbOgAAAhtI87S9ZHP5votL3eYBRgN8vMQHACJh5927Ny9bX7oalMvdPDj5ngJ6sz4kb2oagCJl27PjrJKGNTUA0KqS4kBra9usvhGaIOBsbHUNRtUgy/Oy/U9/+7svL12+Et4p3BbP3bS98Omvv7S/euWqne0t74iGKX55gN/FS5dCMrMmVSQAEMr9mbTbwQ1CubjP2fnOZetLNwPTcobkRsJswjWT+T7fXLS6aueb07UPQAJQev50rKfftEBs+dEzTHyAaPaLQ69+ce78pQsXParWp3dxPSqIvn7zt7/57Cc/+8z7ccTIdo+f94PLl21tbaxuRdWIFSqcRHnlD7+5aHPlitW1q2E9G2YAxUbxHYcKoR6UqzV+5y9a29nb29vZN6ysqhHZQkXQ+YvWN67a3YiqbZlXI3pZc1T4l+fO/eQnP7W5ZNO+L9zpz2dfO+daJ5AY9MtVoV9fuHjNziuxYYskcEwz53zvys9/9cWVq7Y3r16Obdt9LsDozeP4KK0WUalUcJxl8dXj+MxmI4oiCKLVaDSIRk0RJlSvV6vV5lM09x7CWYyIbKvkfNPW5pEZgdJqtRqNBtFqjxfVR9DhDEnRAOblwbpKFtdiqMUpk1qr1Wg05JH6mFmp0SAIctrcg2BKtVqj1+mOXJwfexwfptOp1WqjHnvuezMFFmoDIM1m8iT1MEMTCIIw5BlybgAAqdjjzyQ9qOtq2aItgTZGgxFFEcv0QBENRZg1GKbRaI6iO838g52slLByjQoAGL1ef9wJRzNBb9ao1Rqt9qmBj6TBTD6NWTvLxAcAJsFoUHdL5QpxbA0iEJ0eQVEURYx6Pf3/s/ee7W0kWZpo/4HdL3vvc/fDfWZnZmfuPDtr7kzf7m07Nd3Tvqu6Wl40EkUrylOGoveg996L3gC0oPfee+8AEgDhvUf6zHM/gKQolbpbVWRJKE69X0gkIgMnMyPejIhzzhskY7HY9Hq9TqfDkaMiNtyg0+n1ej1BYAAMolrOjqjUqgAAENxk/8pkNNrXRxDCpNPpjUYj0PaWQNtQRG8wmM1mk8kENE0ygFA0EDYAQAijTqc3GHQAR80GRVGTyWg0GLRaLf2FLc+/rswNLpd7LrV9lFxdq2F7RyH9y+WOIZbPCUxv+8vfH9/m6v55rK6u+vn5UdRHUG17Ewwlm94U71LkuwNo3waqNoimlxTir5z/Y7VaXVxcHJb4GMq4J1nH8HfE8L8nEPPBopz/YfKj3sJ3sPMDiqI4jpMkGRAQ0NLSAgBnrI0kSbVafeXKFbPZTBDEedn5F0HgX+7Hvmz5E6AoimEYAERGRlZXVzMM85WqubBAUZSm6eXl5fv37yMIguP4RzUHx3ACx97bCBzHcPIrt1qCIEwm09WrV/l8PgDYm4qDASfO9kjwr9pxzo7vHJ4fRCKRTCbTaDR2PT6tVisSic5Ym1AovHTpklQqlUqlZ6nNMSESiaRSqV6vDw4OLisr02g0F+8azwKRSKRSqSYnJ+/evatUKsVi8b+T+2NvGBKJ5PLly8vLy3q93n7wY9t1cfAd5lwBABRFBQcH26e6Z69Nq9XeuHHDPtU9FwsdDfaBd0xMjH2q+7HNcTgAwOrq6qNHj+xrfB/bnA8HALBarTdu3LDr8X1scy4avgHqLP8e9PgutnPjjHAQ58aHh4M7N77R+AYQ30fS46PfKerwdeBb4vvzcDDiY4Cm/3Kp88A3gfiYk7S8bxa+Jb53wyjZ3lHJP8xvfUt8DABO2RDERlNH7EZRNONIubqvYZLPCnZf73/9deIbQHwW5cz+V99G7iPiXIiPVsolOzs7Go0WvhzxoXz+/u7unui1Qg0pEOzzeHyjycTA0Rrfhyc+RrbbNlJ4hS3QmSkAWizZ4+3x9vb2hEIhSdI0btjb4+3t7fF4PB5vX3x4SL3dJwmNmqdQahiGAQCLWbW7u6tUaU7c9mb7EbX26OcuOvFpNMLdXd7u7o5KrbHvMXJ0ZGdHo9XRQAkH88ue/OjWncDurlkAAJuis65sTmazjyYchvgwo1yqXK/+ScnYotBOylYej79/INSdEgvBEYNGq//iyTr94e4uj7e7vaomMNTenm08Hp/H45mt9jA3HMWsfP4+j8czW83g+MSHalVrdZ+UDEzvv449NJu0BsPJ3UBFh+Ld3d39fQEAABBS6eHu7i6Px+Px+Af7QrPJeHKiwSixf7Ozs20y228IwuPx+Xy+2fpaYoBhCIl0X69/Q50FAJdJxfaa+fwDuUSC2BAAjMfj83h8BH3HdqBnJz7ryn7Fy5CnPp6PqrhrCAPUe4oUMNjOTIu7p7ent4uv872+ORoAWR7ujXT2dbtz7UVpXmGHFBjigxMfbdyZr2JFu7jc9rniXDNyKN+fLgv43udu1328vB6zClZFRsXamPfdez4+d+/evXfz6nf/6lO/5TekHxT9CyFlz//eJyhwR2vATMLi9Kjbbm7+j5Jr5lGTmUJNwuL0qFtutwMeJM/u2W/FRSY+E6IfT//0hovHA1+vsNolLQVWVD+e/tkNF48Hvt5R7FWrZuF5Xe9/KxcIlruT2lsUWt1aV1ZeV5vluL06BPHR1r0udoCb23V3rzvXLqfFFMr01rneSjcvj4e/eOruUj+9SQFYVle5BRmPHqclKYxvtAkzapzPu3Ld2f2Rr9eTsvkyEQBpHOXm377j4X7HLaGihURNmtX56qxkd09P9ztu8RXNBIY4tEgBphsrzX7ic//29UshAdkjhza93jA1XcF66Rza1AgkBZSuv7vY093d3d3twcPIihEJGMTJ8SwPT09f34deHte//8vvP+fw7GNFC2rZLHO55nzH19f34X3fvMFDIHST45zbt91dna/4p9QNb6ntYcyyg4rw6z8JbGgA4qQ9MGCWpiXGeXh6eXnf+/zzv/4/f9BRVL44MlByx83tnu+zwKJpoN/mvrMSn3p9JCczdn59S2cy2SgG3nvER1Im8YIYIygAlbrDx6d0y6xejr//bHyaJtDDtmeXw329d/UG/YdUZ6Epml5rTwlIaumgaYbSbO/uHx7yhgdzL5euCzQaNW6zRylTGE6QOIaDqKfzZURFt+bUXdXPVyU1V6SmJmWV3tnVWmw6iXJHDwAzhR7/97Px9hUlqhcrd/UAzGShTwT30D5lusDEZ0YtCyXfXVzj6/UaYNC3jwCJm5Yfp5b+YwhPtjuQ2tU1Mbv8KqV5Qfy6BkcgPka7n3vbgz0mUZI0gyPK7WGh1ipZVOAMgKBwtOxaIHufxjTTM20D1QWldSkKk/X06RbMtlz6vbnlXb1OhQIAULSOX3CnVKaVkVZ1mVueWLDSnVif8k9FCpOctKrLbmcr1FKz2WFlqRhkfyHK9/GyxQIUrdnu2NRa9EbzwHDrYF5Qfn8rUIxeNfhvHmlz+0YAQJQj4b+tEZlwiiRxHGfAJFG0xyQ/6t09eqZWHF+r+P7k3IZardbpVAAkoMqFWRGC2iyarRc/fHnvSrXYSoNZNVzxLCvuenpfDZCnVxsYkiQJAqdshq6EZ3dHN0dX2b/xTpWhAPheym8yFqVvCz6fNVd3s7Xp3m99vLzdnb2fFs3baACKfP+pLiISiVc2Viuf3KvcOjAqx3/xoE2AAgMUv+6PmY8+GVPq9RrNh/TqMrhyvyMt5sVdzubWvspCAaiFU6+Cf/LZ9d9ev3orrnBWYzsamZswC1S75GXer1g5FblOqUs4pXVbqH65t5Edta3SAYDNqtvY3szxve/Jke4oUQDGZtWtb23mP3nQI5LaV4suMPFZUMNEjsvvP7/sdiu8dc0KDGXDjZM5rr///LLbrTDuGgKMea05IcH1h65u/hX1/dMV/uzZHYlAaEOPGqsjEJ8N1U3meF+/+TKpcXzvUCQ96nTWvQNBW2ZCidft5gOxPaPxcKGpqjVfbrScPt2CmRZLPH/3h0turqGvFtakJADIF0ufhkU1tTfFFwwO7hvp3d2cqXTv8OiW9qaE/IE+KQ6ozXFHfAa9qCHkagy7aVsgOCTAvsxHARz0pBcMdQBF6zUj7r5pwxNTUqlkeXEh/a7/vFYPACQAM10lLPqfD6qFBgrsU10rZt2uefDpH6+7uNzw9EyZlr3+IdQ2+/RfE/1f1BoR/GCHHVA6t9WRWjjUcmrE9xqKicInrGYBASbt8J27ySubm7u8vXL3R+yDw7dKnpH4mPqGkLjwUosVHR9oDkl5KTZZGJp+P+KjQC+4d//BPR+ve5lNNUNytWTQI6OPhwAAutvxeVf2z0Zkug9MfAAAuHl/Y+Dx/XvOXkHZ/YcWGoxmndFglskOcoNjKmu67KUIw07ApZ8lFzSo8CPbGEB5HZVNWTMkBYb15uqiiCUNCmAb5tbdue36rGKqZkwqU+sALCPcOg+3249Kx4eX5Rdeeh4AzKhBqzPurHU9/DyqS2BmACyoQaszbq/1+H0eLjZpAQCnzAaLfqWxLax6saMw/omXZ1JNJ4ZYwTGIDwAIvUy+U1GR9NLZ9bZ//iTfTKGHaz4e3pdSonzLxzunZPbOL5rjVDbnvUV8AGDFTBqtYW93wO8fIqOe5kgsqGkovz7vqbd3ZEbjssVGGTaW57qSGvKfeXtHZjQsWlAacWDiAwDj4XpRbuJtF2fvlOHabZuRAOa1Hh8DgKnHUx4+/oO3t++DB37PA/6weLSobWvKeOp/897IG3s2gA0363R6jVa7PF3/9GaiGjECAK2TzFeE+VVMzenBdjhV9aJApoaDnuQUbts7WgNjaclOzx6cBAAAzDCb5urmdf/B03vO/6vxQPhW2TMSHzHXWJUSvEgAaNdbShoD9jUGeF/iYwAwAKBp0iAY8fll0b6g/apvmYgCoElR+q/S7jmNq7WGDx3HR5zEKsgGKn8XVn5gOtlBil7LrEjIG6QAAPDZ+tgX4UMNG8fCsiSN6w+LvP+n98PHkVHRvnc//9F3f+6dt4ygKAANQK711n76t355ZSsAAEABkEttdc99uDqMhAtNfK/5CleWfR5WLhLLTcdxQrji1WeRnYdHC9WHk9O5hUu7G+uz7IIdjWYwrlCskIFDyFLBacclZpQnvHiYNqkGIBmaAWJ9YTzr/nW23EoAgGy5ub6jUG21t1gKJWggsVN5xvr673tFf5o5LxgN9oleIcEq30h56NO2x6tNiv/D1aJ1GqyKzZT7nh0Cg81kdOBc3WP/O27OfeT6fyXNNEsAAET9GaVjnXanNwVHQoRC8Ujg/SwBRgOAZrM/LTj1Ra3YnvCMkgAkSlGnQsf0/NQ/xM7rcKAsi9XBcaXzKxIAYBbL/XzdLoWEh7t+/rN//sm96kUD2AUJyKOVJu3GAKsgf1l9bBjYdwrbjfIMnTKctxCpZKOnLjljcu5guDcxJLteYaYY6n2ESBkClXE4K9s7WwcHgonBygdeFVbNXvXjh1Wbe/u7/dEv4p8+KrbiNr1e/wGdG4RhZ6i4k9s2tqWQiCf68l0yG1eqquaXlvj7B9sLw4Wp8d0LMgCwbC++dInkzJvssxvN4VxJbsrklmJndXZ4ZHR8Yra1zt/Lxbm8b0u+MtPCXecf7DaV5vzx75Oa2qfF4r2WllX+/m59WSYrmkvQBFxc4qNp4PF6JifH+Aei3ZbYRzljOyZ8Z7t5amqcfyDaaYl9nDmMoBgAbd4eby8JbuZbFZKNnsqonvX1Kr9CtV4NDkF8NKi3g6sWN1ZXZBIJf3s5LNU/b3KBzV7e2dnh8XrKyu4GvmjGCJNOp+upTPILjRlf3KIZoA2qlSr/eO7BAa9namqYdyDa68146BIbVbsjE7f7+GZvbG/v7u0U+fiyeRNpyZl/uFm2vbe9u7dT4O3FFYtQx/XqkohoKbh2VSrYF/F3QtN9/0eCfENglspk3GRv75TGQ8E+hmEymVwgEGzv7VW+ePBqaQcYAKCaQuMCkoflJhIAbIRtpzEovIkv5PdPTPQJhaLVze21ymcvK7ZtmIEbFej7orhnRyARHAiFgoOd9Ynx0eHRicJg58tPcpb0cDhVVv/ILbjt0EADAN0UmpCZwz1mZFypUPD2D9qyU6Kr2F+MvDy7V9e21V7v6+oaxEoQIDZ4b+cGTmGSodRbbu5eXu4PH2Ss2oe9pDr3wX1v74jK6TX7sPhDe3Vp1DRTl/jy5t/+7IpHZNWiAVZWq7287np5eng+9G9eUNjf/AudnLqBXslxTyQUvbkR6R281691hL8wMVQpRzCzZqcm3vuWm1tEfNMiiVAARuVmTbz3LbfbESyuyAZw0cNZDNq55y+eurvdup/G1ep0AGDSzx8dSW3V6vUAgCt5S0uc9lEdBQCAdHTm3fXwbtrdtMeQO8JUF6Gw/cZAN4/v/+Mnv//s9uPiRQIDaqc1zMXN09PTMzSMw7MAwxjY0RHOdzxuXL/+6NGjUZnEpt4YjH2SN6C3GJZCQvzdb996lMzuO7D3QvSwn+Vy2+Oul1f9+gZgpEbfKuz+o6vb3bteXrXr60Zw6DU+K6ofTb/9vU8v/faGd/KwxWglKEya5nv/xm135+tXQpOSdyT8jjiW6507Pp6eFXNzOgYAwGyWlCcmzpiQ4wGeci7DL61TYzWus2KC3N097t/1eloyDaTNYtoOjw685ep818vTy8P9aVhi/8ZR+JdyubVzeRxo8nCptT36ZdqAxAqAovJXcfHbZrv7kWHM0s541i03t9S62q13kcc5xPGRNIli2Eks2/vH8RE0fiw5YTtRsrbhOIYhJxtrfoQ4PhKV7lU+GNhRHTuCMAzHMAzHseOwVQaAYqiTlwgxM1zG4a4zpzomxQBx7HVCcBuGYSTx2vV7fOR4cfBCEx8AEASJYRh9aj+doyPkyRGaIhmGfr2qgOP4iYKhIxAfANAmhXI2ObSna0ZyZApOHTVfAMq+KzpBUziOEwRBkDQY9w7XU9OKWmwmAACSJFHUfhOOrgsjURTFTl8pTpEo9vqIg8fxIcr5hKHmISF2/GAojDy6fJokGZpBCALD3rhAsO+jfNy79ZKJ9Hy2xQgAQFHkUeHjVkFTFH6s/0IS+EnQOMUATVL2f0gAoO3TWIpiTm90wKAkgWEY/Seazflnbtg3G/pG6/HRuEZr/BL6elar2ICeycJv9fj+DBxGjw9oi1ilU72vfhyN2PRimfEdwczvCXscn12WyiFBGIxy5gwpawypl5vU52jQ++M7+nOF0Wi02WwvXrxobGxEUfSMtZnNZrlcfvnyZa1WazKZzsXC94HBYDIZje9f3mg0GQ2Gr/ZbRqMRx/GwsLDKykoEQb5aJRcYNpttfn7e19fXaDQav8xD+TpgMJpNRpPhfZ+1wWA0f6mGdBomk0mj0Vy+fHl7exvDsK9WydcMw5e5G+8632A0GT9cvz6N76jOFXaGev78eUNDg9lsPmNtOp3OLklmr/k8DHQ4aDQam80WGhpaUVFhMpk+tjkOB6PRODs76+vrq9Pp1Gr1xzbnw0Gr1SqVysuXL29sbFit1o9tzkXDN2Cq+5HUWT4oLvYa3xnhAF7djwOr1erk5OTAU91vML5VZ/n4uPDOjTPCQZwbHx4O7tz4RuNb4vsTYHCgPpDs2rfE9+fhYMRHnWz/9nXjm0B8NPOeWy85GL4lvndDxV+cEIv/crnzwLfER1GMySCSyeQochRDZLMhOHYU1uBYxKc7aNlcOwnI+FrxDSA+g6hlfeWtbVe/ETgr8ekkO2xOI4fDYdfX1zf3CNVmhn6fzA0AAIo8bGxsZrPZ3I6Jk1unVqxNLq5o0aPPH4P4cPVkT3z+yx9ED/BFOgAAWqkQr7e2tnLYXJ5EBwAS/kYLm11f37Cwsfnm+w7f3p5kszkcTsvmlhIAABgJf7Opvq67d0BsRvDjyzSIJ7v6htQWC1x04mMA9ld76+obOOy64aV929EdsAn5c3V19d3d02aLcrIpxd/jF263n1Y19QMAI1msKk6ZlVodS48P1y52d3fXR/7dy6LWcSUAbbXucRoaWusGxkdl9hAXq2WPzWlo4Q6a39KLIwz9fT319WwOh1NT39TU2LXP3x4Y6K2vZ7PZ7NrahvGlXQDKgsv7m5vq6zn7ag0ch7M4LPHh8t3R+pj/xz+7alBtj1qViefr6zktLa3618NA2nQ429vTITkS6SOV4iUOp7GurnZkfB2jX0feEbiQw2lks9ntXdP2m0nhQja7oYHTsCEVHFVHSzichsaGLr787T2aSULIZnOaW/u0xylrwEg5nIbGhk6e1ARfwFnVWWQ786lp6RkZWZERj//tzvXyVRTgvXJ1Scqy3tUTl5CUlBqe/tyrrN8AlHl8vKQ0NyQwyq9bcWT9hyY+hhCPdhVnZbJiE1KeP2C3juOkdWS1yL+oJiM9PTuzdEVoMgm2SoLiY8OSoqPd/SJDZlbWTs7WyXbZ2YXJqRmJMT7JcVW7cgI9XCsOjmeFJiZmPvVO4MwuCAGAYA7byoKeOP2iVyyzP/gLTHwmxDCV/YvgiPisjNTqoR0TBQAgUXOji1My0lKryvsUh1MPOQP/vUqo4Y/ENrWJ5crh7tzcwTn8WI3ZIYgP008UZkSHhgYkJCeGB5cmpuyprHMNraykxHTf4GdPUlqmzTSlnWloYSUkpgc+S63eOdXbGEBVVZXlKSmpCak58Q//8ab3r2vaR+pqy1JSU5NTsr19/tEtY35thNvl/yQ+ICMx6fnLrEwKRR15xEcZJE0pcfGpmQmRoVnRkTUbev3hfn5BWWxcfMDLu2n1Q0e7gIv7+9lJTz/95/p9ITBgsQ1FliZnZWSlp6U2t85ZjomPIM3L3I64hKSklJD0577Vo1ZAFB2t7bGx8eHhT/0eldf2bup1u2UlhbEx0enpCX5JbTT+mvsIyrza1hkTn5AW8jK+cN7IAIEIKkrzY2Oi09Pj/RK5pwvbcW5TXeFcd1R+lcgIQL+XEClD23TSI7UGdbuvb+kG4HqJdG9hqKepOqpX/jGIj8JJeqY59WkipwUAAMw6k0k+N5gZ/LJ5cJa3uyPQWgFgvC+TFdprQwFI+U5zakl7DUEfvbVQi9qqxwAAiL68pIj+VfXUYE5MSDdKgX6xreJ3f5XOrgAAxWhhS2Vhdu6P+kXKC098ZsQ8V/jPE7Nrcrn8KMPBKK58+bhjZFwsPBDhQFlWQ1iZ/+Pe6voMN2ewa3hkvDy6W3IqftwBiI+htfz8Ox41Ayq7XbjhQGdGdPahhKJkqeRacMM+4Fq9zAgAlsksr/RuBHuH8C+gmtYXd55EVK8rjgf/NlVmSuCEeLTIL/OH/zlBogCwSEazfbqFUtRxR3wUcjAf4/twzYYAAG3ck+otiNkok5sBGES8cOunVXwzMOr96ZxLr2qyC9O/18iXgVnVFPasqW9QJBQqFXLJqefJUFbtERuYpU1ej6p2AVVJJBoAAPQw4KePn/2uUihs+4FnqhYAQFn6Se7Q4etcDoa2aqU6AMCWK7ziOUIKrLqG791JOS6cc7qwHedDfDazvCbENX/BDADk++vxUfpWbltZRWWET3D7odROAYrdwea6+B7Z0frxhx7xEYhhjp0Z7B1WU9M4sq4n6K2hhoc/dIstCfTwcPvcK6xxcqe1q8i3TG1vtrLOjKKuWovtpImTwt2V5paW1Pj0pKyqQ7Ote6jIu0wNAHrNxGD4f8purzoUHWRXtvYtK5cqnvYeSi488aGEdYEdc93Z1dXpWUrzvtmG0YZNz0/cg8MCbzvfuB7dum2ldfM1bZG/vPc4nlvd1VoY1ri4OMRt2VUr7DU4APEBnmQaEgAAIABJREFUQmE7LeFebrefJeTWtbRMaAAAwKZgcxqDX4aF3Q0bVmoAGECU9ZyGuOdRr2bfsfJF0eRWdeijVwXxc6ajNCua2q4O9isZQ/XbD9LT/vrJvA6ABvNy2b0G/qHN6LjqLBZUN5J193FycnVjw4D0tAgP8ObSwtK4JGKZ6y1xqVA2zcv3q59z9kVgFjz5jW9YZIib251bTpe8Cmbk2KkcGELb1Nz6qrwywiekR648mQIbJdzHlwtj8ke12smU4NjKynJ2U2vC3UsNQsEbBlG6hqbmxICYvIFJDQmodSk5KKayopzd3Jro80eO4OAt+8+H+EyKEb/IGgGCwZdwbjBgk2dkZqWlprBKa7Kr5oFCAEC61d9cF9cj/0jEBwA0rpVv5GZlvXwWmVI+PdyfdN+HI1NgFE2PN8fldFbmV+Q9H1KRAMCApCOjqKvWihznnDLo6tRgckpKWlZ2SGHP9Dy/f6z4cY2SBjAbRkdj/4/ympzq2vS+mjmFRt/Kuly5dTQfusDEBwAYhaI4qTqcDfulf9uhjSfp9vw0XK2mTVZDWfQv2w/EwAANtBUzjHD6C1rmO0ujWYmJaakck9kAjkF8AEAjJpNidKCxPDwsIiC6fkJGkFpBSlJaWHV6ZFVLZdMqAEZoBcnJKTEFJVH5YwzxtiQfQ8oLcwozh/gSOMpXZUh5YU4Be01CW3cfpKb+bdCsFgDAsFx2r9GxiQ8AML20r6sxJjLifkhFxKJt3wYAYFlqyU6NnzCihs2u2piiDSWqNFvGkq/mzCg0yj7Pz15IJDhJ04fro9kxv5+SqY4rY8AsTUlLT0tJiXlVW1i3CAwGALhoqaMg4iVnQ2QDAFy3yYlLTE3LyAtz+7eGg9PEx4BVmpqaFptXGJzZf6DGASjDdsNR4ds/Z+9/HcRHmNrCHuatHVX93sRHEid5+7ol1++XbGoJANDsj3Y0JQ8eaxR+YOJjSKsNPeJcZInzq8T6/pbO5HDuLAAAbPanZQ9yOrqyQoqWAAAAV/VkFHRWma24yWQGmgL6WKAZzA1RVXV5gwNDWUGZCwBgXe3puPr3dcVliXeuf3b5krOzyz/89d/8i0vJHF8FF5r4MOw4+AM5LHJNrlTK1AZeukvZsh4A0daUuLbxRQAAQOy0dmQVrvB2d5fZVVKTaTar6FDuOHp82CkDzCkRD1LGpUfLWCDaWMz1+m2DyMJQNAkAYN3x/WH2pAQHwEwWK44cydAf9NSy8gt56teEeNBbG5Obr0KBxrdiH6b97d+WGQHApl8r9mzYP3RgWSoA5qSpQ5n/zf8Y1N8qB9jpKsxJqR2kAWCm4N7V339yy9XVxcX1f/3Df/nB71MqR+azb+VP2PcuVPFziu9MSVQ2K4ojVgASP5bVo+WzLj8u41sATNKBgqcpDQrdm28Qm3XZz5O1hQMAWBAUs1len44dPPtRWoOQVr4uvPLUM3rzC6sO50B8gr5WL+8MxHyUjP1+xMdgiLS2kFtVXdXQ2JSblRSe3E0T2v2Vhcz4iBtXrybnVY1NjGsRRPdBiY8w7o2UsovTCurbGzkFJYnPy4dVoh1O5sNf5BfV1pSm5QSWDQptWzMl8VHFdZyaqgC/wLzxaYFFOZwU+aJ1RSfgLeSlVDY1N1ZVlgeEZY7N8WzbMyXxkSX19RW1Wc7PWidmtm04ZjAYBOLD8mc/y1kw21vPRSU+hoadHXZxcT67oZmdGRjRvGqiAcONW5zgjLhGTkN8QELKthIA10tmG2vLUiYtYNLscF49T6utzQ6pMlkM4BDEx9Cq7Zfp7Oqq/NbGRnZNeVBedtPaWkUOp6q6tq4uLSLSO71o3GTiV2Q1VtdUFxVkPgmtJXErrZXPZ93wqBaaAABTZfqGNHbOnVRKYapM3xBOxxwAAE2u1BZwgu5kNTY3NeTcC2hgcBuCII5KfJRZMP8goaaFU99cV/0oP+VOnWB2fsTjx7+7HZ7f2t3S1tW3eajTGwx6vV4sV7YH/SxqRGtmCGlPZGp0Y1VNQmaaX1hO7Z4G3Slz9Xi1a7LIavKba2qrOQ2NWRmJsZkDZgs/ycP5d66J5T0tbc2N3f3DOyLV6thoLZuTFRpeODEDFLbdk5j76Y88K/eNZmltQUtVTXVJcc4D/9JFKQ6EZW1srJbNzgyLyB+b/OKyw9mJj9qZHhxeWzn5/J4jPoqhlavsuISk5JTErEy22AoAyBy3KT4xKTY2Nj6WVdvQIDQadRrNh53qkuhmf0P+k/96OzKyfMLumVOuzJRnZMbHxTf2DWJAA9DSxfHc5OSs7KLecQEGYOMPFIVVzMsAM4t765ISEpNTU9I7BvcQGgAo6dJETmLCq6ohEXkSzQI04HvTrfv6o5HtRSU+AECt/MLC/MT4uJzGCdvRPopAaISV6amJiSlLcgUAUEbp3t743JqRAQAg5uc70pNTp8RHcxlHmOoSwMgHc6NZV7/n+sQzqrSDDwyAcKo0NiE5OTm5qnpUgQIAKZgsZcUnZGZUrYpRAIteO9EaEMqZxkgAm0nc29qqQF5vQmQxiXtbW+QnR0ibVrden56emlqxLLKBY8fx4SS6URf8y4fPXILz2Gs4gtJW43JSanpyYnxKclJGQcWa6Mg/xQAtXmhfVykBaEC19RlpMbEJBflFIgwBTN0XFlE9gVlpWrFYzYpPSklOzMlpliFAoKKq2lcJ8azU5OTkpMSC8rqJTelYfW18QkLz8LDdBaDgz06zK9pXlFYGlMu1rLiEzIzyWZ4JgAJMM1lXHZ+Q0DQ8JHtXhPXHDGBm3vnvm/gYcXz04V51wswG/r4djRwZK2id3bNfxJ++qLev8bVy2IWO4zsF5k9++DPHHIP4AABwg3k2KWO8c197NHH6ornM6b/6jcO5+MyuAQpl/kLxtw8dHXdk4gMAVL9eMN6wqXx7AzMA+DPP+vT/6sOBdG4biTDwfmzwJ76g4Y07z/yFWgDg6yA+iqKCg4PPUaTg5s2bHzxzgwHiSyXiEHAGVTK40CO+s2N1dfXx48cfn/gAGKAo7Evkq5EkTRFfPb/NLlKwv7//lWv42kGdMV+NoT9Sxtt35OcKtVptMBiePXvW0NBgNBrPWJtGoxGLxZcvX1YqlSqV6lwsfC8oFAqF4ssUV36p8qehUqksFktISEhFRYXBYPhqlVxg6PV6uyyVRqNRKpUf1RaFQqFUKt/7WSuOyn+1H1OpVAqF4vLly2tra3ZhSoeDQnGWln9Sw/kZ9CXwHfW5wmw2m83mly9fVldXEwRxxtpMJpNQKLx06ZJKpTIYDOdioaPBZDJZrdaIiIiioiIURT+2OQ4Hm802MTHh7e2t1+vtknz/TmAwGBQKxaVLl+xCpBqN5mNbdKHwtejxhYaGntdUV6fTOTs7o+i7guAvEGJjY+vq6j62FQ6KtbU1B5Ge/8Cw2WwuLi7f6vF9HfhWneXj49+Nc+MrwlGcGx8cDu7c+EbjW+L7E6AR+FCya98S35+HgxEfSWMfqDV+E4iPorF3enUdHedDfMzrXd2+HPExjP3cL6ibMYw9p+fjEB9j21ntLVwVvmUXw9Cv86IZBoB6h+UADMMwDHPan350f07tfUczb3x7sYmPAvr4nhxNV48/HsGmEuxM1nR2j4hF9rh+RsTnq0yI/R46FvHJ5yPH5q3oqQsB+uS6Xh9kyC/GM1HMSVwLc6okdfKRPj5o/+jwxEeDYilqZMZie/1o3uzOzNGRU8+aYv5UnMkbTeJUbW8dOf3nC+efupnwhWZ2GmcnPvPAUG1oSFhe2SuRzQJfhvis1mVWbHx0dHRiagNiAQBAbSuxsXExkdHdG4t2+a6PQXy2vYYK3+eu3/cpXN0QAwCFb/E3+pKTkqKjMqZ3NAyDDo/URMVEZAYND4+8lY9pGR6piYqKiWEl9/UL7bWNjdSEhUbkFRft4CgJAEBtzowlR4Rn5heJMQwuOvERNL7RXxIeyYqLiSzs3jRQADZ5TnZWVHR0VFRUWGh8f89gD/fVbX//6FBWWVsXQdP4Zl9FReqG0uJYxGeWNKenJ0Xd/Xvn5+VNO0CTCtV4NCsmOajyVaHwOOFKuzLXEhkZmZrWoKXgtF6pVicvT4iNjIwe5h/YY3sNutmYGFZ8bPG8wAYAVtuuYKwkmhXPiooZF/DB4YnPvDv3KvrB3zs9SKve01lIYOillaao6OjUzBb7ltFGs5abmRYREREXm8izIQBgsuqqE+OCQyMy0rP2bCdDRQYQVVVZSWRkFIvFioqKjIpMn54YqaoqjoqKio6ODgljBUamdU3tIMhKdHRsdGRk+8bKW8YQ6Gp0NCs+tmBs22h/DyHWpchIVkxUdN/W+heNPyvxHY4PFrMKu/u6X+VXt73qQXGEot5LiBQldEs1I43NLe3dFV2pbtGNYjAK2ZUDDY2NldVZjy/lxGZ0MBSi1+s+KPFR1nV2WVZ5RXNre1t2aE3ruNmqaxzPds3q7O7sGh4clWvN0v3N3sL2hvb2pmCvZ6klbbuvO6Rsf6O7oK2ju6+tPjAjMWuWb1KtzxQUtTe3NqfGRbhfrpla2jFtTWY/jqooa6uuD88vryNQFC50HJ8ZMc3k/bisuqm/t3tx5xCjAUjTyMhwZ2dXR9dwWMz/G5jVdbuq779XiWzy6fC6jn2RpLGzMGf88ORN7QjEx1iUjaGBGcUlxdy2trqqxsyoJYll/tUQp43bkRYTF/MksUdHAAgk7KCy4sG+vomxOex0XK1V0xDin5PW0dmV7R0QGJ09LFT2RoZlN3I4XV1FD0NqEPX+UPtwdlJrc0tzWWmKr38eiVkcOGUNcPluQXBQRVdvWwO7NuVRo9AkVWkGs9s53LaO5AeJ7XKwKjujAm+ntOc1N3Nb46IzC2m9vD0qKCu5o6k5Iy/nZUxGPmI5HjdQ5rnpifb29u7unraO3keB3y3p2JifGe/o6OR2j3Sl/PBRxL8kt25yol41cZu4HW1pfoUqtfzEGJNhMSo8s4Fd39VV+iCwZEZEg+6gpnywsbGxoizD/Ukaan17m+wzEh/JH+wsi6lQ6Ew7/XUNZQM2HHtP4gMgSdr+lsT2Ku4FNm4AaaGPNkVXRv/+uccnZTtG2qD7gClrFEFSs915z+MKCk+8yNLhjgQn366BprbW5s65XQUOAEfGoO038lLiJ7alr2ugj74iDSPZceGj23KAI+EW8WzPZ//hQVP5aN9wZkDsKgDYNoebq8O2dCa44MRnnMn7yasqzvDQjAF9c96hnMt53nxgHitPjv/VzfLasoKSwZ7htprq1CkUgRPWcADio0mDsPqxe2rp2r755BBBMAQAwF7hQvK1xAER6AQZ17wbmpq62lq7BW/E5Srkndc8X+ltABS6+/yf0oKvjfK7f+qbbwYAWlv9SUbnIUriNps9fY0S3P9R7oycRKxmRyU+ynq4kvbQc1R2JB0GBEbTNA00AKwXPYzo4KukvTe9CqckAACUUjhU+qR1vd3Jr1Blz+lX8PqL7o29Vmc5Bf7g08R6wYmOq2Gr5OUL39BxlV7eGpgyNr+HajbLwgqFKs1JCzGohr/vkawDADA1/yyjQMrjA1C4vRNL/H6SOSxEz1mPz6rfncl9HPzshT8rZUJHw5fQ42PAIk1ITA4LC3v0OLVHYji5DONW3fN7xfH1G8CgOt0HHvGRtq2B8lT/u1FRca86BTrb0kjZ/d89KOYUJiUleD6JSupbAYZaGu8NCwn9w5OI+LIRqfWUbTSyONrDio198Tw05tWQ1HL8FWkbr/a/8Wh8ckU0MFbsV6ckAWya0cbKqA2VDi408ZE0sTlUHhHNCg4ID8mbOtRi9iZIk9hshl9oywQwjIE/OVnjn5FbO1rHzS0oaB7oK0mMHxEd6f04APEBAbRoqCA+zOtFUFBEXEIDDwCAUPFiollOzwIfBpZMaVBMv+Fz6U5BUW5sdNQVv8wFrflkqquRdf0xdlLBAIB1rfpHdTm3RoSb1dHBIaEhsQkp/j7/1nVqgxflXEFEfjmN22w2m6MSH2AkMl8d8SgiJDwmqnyVsFlxAEKwOhkeEf7oWdaIwqaXDVyNGxk7wAGAYgT9Jc/rh1v+mDtk1x9FRJvdRY/GxPK3qjUa+X0h1xImxMdrqPRaWUx4VUHmgQ0AgbWsuId+T574ZU1sWk7xGE5ss5OCgoODYxNTAj3+JW/vcE535JnULFeGZefhtvNWYFZN9dfkx7UO9KalxGfWjhhRoKn3UmAGAGCMPT19HR2d5ZxXEXHtFGEFAGx3uCojPLhVZKEAPpJzg8E1/f19ORGxAal9Qz1pDz167cI42/3RudwsDMMVou3mpra60bzIpMqx8dVTp1JSwWZnV3cLtzksuWR0dAUAgCY17REPMju7+QQAdA4UeBSqGQC9dLKpKnJdpYULTXwnwA381B/61olUBrt4A7YbmVfTf/j6yWKEobVmvK1vursyvLilJftluUavBodQZ7GDoRDB1vJsZXl50KOkxl0McG1HezdnoKygrjQ9d/RQ3uHxL0laHRAMPpz14/Jdiek4LkAr7/yXF9MaAAqw9ar/nR9zdUFl0QrG2zu627r60ryutwqF9pK2lbbMpDiuwAoOv8YHDMrbXq6vqX5yn3Vj1DZvAlSz39bWUVRbzErulQi4P385PiEkAcCGSgZLn9YNNf8kd8SutImJt3uLH46KFW9USKtsE2EPoqu2ThoFJc2prorrlKAAgFiHWS+rpvvqql4FRrLmDt841Sibbmvvauvuy/K8VrorEOlpAEA3+4pTImu29V+0/axT3Zp6VnzRKgDIhrgJ0ZEHBh3Q77XnBlBmweGx6p5uyfV/l2ybGOPKeFn8s/xRAk5azIclPtwg2haJjTYaALDtxl+l1o51jeYlFVbYLICjU+2psdwWo9GkOXqfjGcFRCVkbyGIYWNtRW9CUKtapbHPbc2NURVxWWsEbl4rj/EraBcfgn1IO9WXy0ppswCoF5oqixLEFhtcaOLT6WQmkxkAGPFk8otqrlppAAaAGctKTy2tpE/8oYhyujgvj8MTCfeX6ivtenwShRwchPhw7ZpQRxD2YYYtOflhyuiuVGL3wIkXZ1Off1ptUm01Bmb08ACMB9mZ92v3tBbUJttd5Em0RtXYc88oHgBjFvW5/yY2MIlnOprLybZbHgaV6gBwk1o+Wp2TGFUzdTT1ceTNhhirYlN6tEJXFuP0H/w6h7e2VSocAHDJ7P2flYrFA4He4d27JgIAPZyrSw+eEYwEuYdtUQBg0vPGa9NeLsiVKv7qmkBtv+CVuvKgv7pR0t5/8ivLFUWJKTkGzAoAamW/i3uaGgDAVu/jXsXfs6ikvMW5NaH6ZAFFtd/72D9nVAgAjHZxpCjOv3icAgq+KFlw1hHf9kpJ9JOnMSxWVHR0UdeAnqDfc8SHoMqe0qLQsDAWixXgH5lRt2o2bUX4OP3k196hKbEJcayM/NIZns6g0zg7O38o4qNtkuXO5rzwyNiEiJDg2OjY9g2zWtyZHfibgODwsMDwlODuFYWYP58VFhkWER0W4vkwKHt1T4XrB1Ki/dlrFvH+bGZYRAyLFREe8Sy8fHVXvjhT8avv/ubGk8CU5LjkxPjMpmkdb6M5PS4yKjImIbumc8/+SC4s8THA5zVGRITExLBiYqJLBjcRGgDAqNyLuxc4ML9tL0QZZTuTFRWV7E0MMLOgstjPLyIyPavJZrOAY0x1cb0gMzMtMuoRKzyCFRkSWNY6KjhoyU4PCYuIinry6PGTso49kjZJhvKiH8RFRT8MKSiQmwE0ksU853t1AgI1LVflxrBY8XGxj7PamocOGIu6t7goLDIyJiK6eU9Co7KGwjvXvveffnH1aURKbFJiYveqCnXcNT7GKFkLj4phRUTERwTfK2InDijXxIvFEVFhEREv/WPymzcB12+yi2OePXsaE5MQH5dRuwO4foNdzIqNi4nxe+kfmlm7B6DmVd9yesXX0cAw2uSbflefT2/xJfbfIEldmufjxtGjzbxwYqs6MTgkJCQ6hpWYnDyksuz3ZeR9+qM7VQeIVTtRVRYWGRUdHlmzsosCWK27gbev/vR3vmEpsUlx0U2zkvPec4PSzI9zW1q441OTOpwCAPK9w1m0h5PNLdy2Nm5315iZAKCNs3MTbdzWjvb2Ni53YHhUorHodR96qkuKlma7WH8T3FAyLFHiAABm6cFoT29rS+vixhYAEJhhYaKlldve1dm3J9ACMJrFvpKgVoEGKMK4MNHSym1rb+tY2xIzAAbtbntnV0cbt729vauzY2RuEwB0hztd3NaRsVWUBrjo4SwMqRkcHGhtaR6c3aCPY8JRi3xzfd16LIHDoDqZjCeQ2AdBzKFwtau980BztPLtCMTHAOgWW6urnvwkMCOgcmFBAwAg2xtsbmnjcttmZ3esdusw3XBXJ5fbLtYbAfRKTUfF3biJDWAAgNSPdHR0tA9JDAYAAMq8PDrcyuUu7+5gAAC2nZ2ZlraOzo62jra2trY2nsyA2Bx3xEcDSIZyLyVnPiyempQC0DQAbMw2t7Ry+/qmrPZxPGNaHBtvb+N2d08cHQHzaEcnt619cmLNSgFghw2PEkZWgAYASre6sHSgx0627qJJ3frikvHUnk068WRzC7ezo2NbImEADOrD3cW5LZEaGOvG1ERrK3dhc8Nq71OkdmpmvI3b2tHW1tbasi5Qv2X/t5kb74BC3Ne3v/fexemZtdpJhfwvKYD9SVxs4js7HIH4AACApDcrerfH0Xdun/ZF6Hbli8XsvXWAr2i5g6/xEZhkYKPXhHz1zA21bKJ2axaYj/BkvxaRgpCQkHPU4/uAU91ToN6RkvGnwbwzlPz98a1IwZ/B6uqq44gUMOSXeNAM82Ub0huwWq2OvNkQwBsR2l8RZxOy/Mr4ju38YLVaSZLEMCwoKMjeja1W61kqJElSKpVeuXLFYDDgOH5edn4NQL7aafY7RpJkTExMaWkpAJyvWd90WK1WAJiZmfH19bXZbCiKfmyLEAT5Us/6y5Z/DRzHdTrdlStX7OosX62Srx9f8erOtYavgu8IzhVisVilUj19+rS+vl6lUp2xNolEIhAILl++LJFIDg8Pz8NAh4NYLNbpdEFBQWVlZWe/YxcPcrl8cnLy7t27crlcJBJ9bHM+HMRisV2Fd3FxUavVfmxzLhq+Q58rAICm6aCgIPtUl2GYM9am1WqvX79us9nsNV882JOoY2Ji7Gt8Z7xjFw8AsLq6+ujRI4IgLmobeCfsE6YbN27Ypec/tjkXDd8A58bHWeP7gGAYJjY29lvnxp+Cwzg3PjQc3LnxjcY3gPg+ih4fbpLrzMYP81vfenXfjeOFc8ciPsIo0yj+crHzwDeA+AizTC372EZ8FZwD8TE0hSAIgdsAGPiSxIeiGIIgBPGa11AMwzDkJALg4xAfrltebYuckuHHCSQ0xWAYjqJW5nhbKYokEQRBURvzro2mEBwjT05maBRFSQI/UW2zYRYEQRHEZt/n+MITH0rYEAS12WxAoid0hqIYhmF2p6d+Z3Sy/EVaZsXaMh8AgMFWpif5WsRe2GGIjwaGBNno3d5lhenkKlCUsAG8DnBBUQxFUfiCDxo9ai82AwVAn7QZGkVRDLUe9R0KMAw72WjB0YmPwSj5xL3uOZnh5GIZBEFPd2cABsfJ4z5ud4jTNIkD+Y6QIBRFEQQhCPTNI9bjNsMQBIYgCIqiKIoCjcMXFA8RFEVRK1C4Pa6QZsCG2RjiHS3n7MRnrKuJvXnjWgir99AG8GWIT63td3V1c3Z2dvfJ1KsBANSa/lu3XN3dQ+pGVHZdk49AfIxpJjPx15/+6z/99tnE5BYAYOjE4mSFt5enq5Nf27wCgAZ6NjE+yMnJ6Zbz07ZZOfPGPu2ETlswU/rL4JwKsdEMYG5oTrpy+dr9py9zZy0aGxhVW+Ws+zedXd19n9RMSuFiZ24AIIRlvjbimtMt91tOz8rmlSQAwO4++8YNF5ebNxt5OzY9v6S+/lcJNTVFeUXdbQhBWmdqS+vSBNqjjCgHIT5Gw0vz8bnl9Ol//clv03InKALb229wcnXx+W18wDOe1QQAIJS03bzp6nz9RtX60ulzUcK63hx/7eYtz9vO3gVTefsM0AAg7e/Ounnz5r172TIGlOq5rUb/my53XG46168vgWOnrAGAZq4/yOXS3/z45y8Tp4VagqHInv40Jyenuw8KrEfZsYqdtcqM5MibN66xknv1DBC4cXQ4xy+xtnQeB/KNTi2Tdzk53XJ2dva+l28xAACYDYPOTi7ut0MrFta0AGCUxkWF3rjp5Ozs8sfPLvtkDVjfMEc9MZzn7OzseSe+55CS22MDkcniiHuZfcNffA+dkfio2npWWGKHTKEY7cpJje6ggKbeL2UNJTQbnHXhoUSpWxNxbnuXbCA2yVbTpkAslY4VPootvF5MmgE+dOYGKR1Mj05s4srkasUsp2tsWSXey62OdS+YPuDvK9UqgqRIAz+9Mq5zclajUilUSvxNIXKTsC+wOv/lU7+stDt7JkQ6PFAWUq/Sq+b6Bm/+nWtn26TqcHi09PL61oFaJQfq4guRmhHzfNE/Tc1tSKVi3GYEIEjVZp5b4b54XyzeL7qTt3LY7FXe9o/ZAptiJpLduby+XVxVyV5/HSDmCMRH64S5t9zKB2YXZXKViL/IzVqSWLbY20K5XDGeXltwNYhzQKm2Cu8U8UQ8iVRQdCtHqhC/1lJGrUsl352YXZNLRIcIAIUBEBP96VH1LSqZVKHVMmbFaOd8SfmWWCzcWOr2uJymMJoRxHHVWZD9xei7D0dlcrVEutwa3iUxSlXadfamSKHg1/h6Vh7YKHptIudmFpszzFPJpQazmcINnIaI2qyk4MAX0aMA+GsRXyumXq9fO5TKFNql/dpbDyr31bL+6+7JOwcipXws0Cvx5d1qrdls33lOKdfUlv08pFVlet1GyNWJvIAEUcq/AAAgAElEQVQqjlIqkWvUNGYDBoDBupsj4u79JqW9kiHfjjc8K/FVchL98yYBYLetL9O/XobgDP2eenw0AxjNgBXXTaX4JAxsAoUC4AyAoOfVlXtJTwYUAPgHlaViKIrcnKoMYyXE8BDE3s8kw93Rv/Mob0pPjI9NrekTm0E23B167WFqelpGWmpu4+j6aekHxtrfmlk5u70x3vqK82xXh1gF/fkBKXMrBzN92RGhDSPLWqVorCbitxHRsVV1U1oC4KITnwkxTGb9MiAkKierfkdFAdBACxpCwxs6lvdXm4qLW3flwo78mNvXnrEiY0s6+qYb0+vqlq1mEugjpnME4sPMUm6Y+/Pwpv5dNcHQGAAwNAM4QYN8MLs/6HrutAiw/faoiNqWxYN1blF+vchwMrkDM2paKPi9f3BEdmbtokqGA4BZHv/p3czsrOR4Vt6YggQABrNPEml0w/fX2VsaFLE57FSXMcm3Cp+6spfXCJrGAIAmAIABgmCo0XjfjAk+mCSpnz+syGRllKcmxcc1HGdCSdZ6MzMzY0ZoIE6P2GgaMJoGK64ei/dIHd1XHvb/yjtDgTI4Zm762c3cn0UuGI6mwOh+f2BM0ZIWXqffWhVplx5m5WQlJ7DS+w7sZKGXDmbnFA83R2QNsRninEd8oBVVx3hfc3K55e15IzDrmcKGMu+pzgIUaPfdPbxcnW86+ZcPyQgAAnT77nfcbvpGpQ5oDhgAYD74VJchxcut5axLt1zvhBWuiQzTI1l3nQI6evvb27gvQxKS24emRvKePX7e1d1ZU13++OmTiOYTMQlGt7lQmjiswIDaGu5uTuIZLQA6ZeOzZ15OHk8yW8R6A0LShGV+vL2unsOKTyyomrIv/F1g4gMAwcZgPaepIC/lfnjLhpxkgITFtIzHTlevPandsAIAoj3cnanrHpxea2gIyuO2cOqC77jVbq3b82EcgfgYANUSl1P8IOD+rZu372TP4wCACJZvObv+4PEzl/jeOTUFALBRkOPndO3641cLurey4sW7Y/WcpqKSdK9L5Xm1UzrlhNctl85ObgOHc8MnZET+WpJT0ReX1MQBErc5sB4fDbDdVfDg+YObTjdihiw6Aw6ArQ1zb9647hRUM6UGq37Z545TZX5vz0hnVUWlk3/SlsEEAPKNtrS0tC8QHwnKXdfbbq5ON12CaidVACCaKnx86cp1D+/7Ps7/VFDyb7NHEqbMQm5UaCXn9PKeRb/ofdupo5Pb2NBw0yuwla/cFJmboopHtkE9WVg+3n7uU10AAK1eptfrB7mc5KQ8FYYz76vADACYWq2RyxUr03U+LsUGGwJAqjXanY2hF3dZ992KTRj6oaXnj6HV6ydfZTmFNw62lwT4jtlbpXQypnyoZKCjLN5nwd6oNQOhhd1ZVoQAAKtV0R7+u9zisqHB4boKv9vXncoHDvj9jXEJuRsafW9jhs+n11nVi8cp2GCcHExwZu1ZLXDRie8IlLr0x/eqDyU8mTzp7vM+pW5zvjPI7/HIsVixWSEsKVtanZ8frosd5vNrHudJlTJwEFmqYyAovru+FO75MGvWBIAr5CqZeKCvIy3oCduqWE+/69el1G8v9YY8vte9T8BRJuPpTmqs//88kj6PHZUOvPikWGYCAHKp8qecPZG9emFHWlhq3YIOwPGdGwBAYQf8nYg7Hn9XLemTA4BVoVDODFf6eVVK5QP+n+QPqwEAKJuqu+STMbEKAJRbHenpmbEjAJQNjl4O9vuDqdQauVw+P1Z1/06ZFacwQq9SqYVKQfEnnyd/FrNiMQEAqllhVVb1ixk4dVvNxim/n2YKNQAAqpp//f36gX9tVFJMQE9vX1aAyx980uY0cN7qLEDhJI2hlvKEpxXDe/DeCsw0oZuZl6IYSlGEVjB859cl+1rdwpICw1CLfjP4X4O9Pi0VW4gPu8ZHWaWrgysre1ITAMiXa/+QUjs3NF6QkhCnkCMmbX9TfFzr0M7idEVi2bYEtRkWmsvjWc39Ro1wZKBXeCDm5oWER8XExSf6Pb7yyQ9+FVA4V1uXHJU2RgEoF/orPv2PUexygXBerzehOLLTnJ5YsGTCLvKIj2FALt+USiUYjltXOcGR3Hm1XnzAcfMt1xGAG1VFnu5togMAoDX8kZKEV0PSQ+HOdG3+tlrVH1MkUyvBIYiPAYukcUZi0BkYAMqmjk95nD62vrAoxzGUJreGBiICXNi8g0Y332INBoRZW+bpXnkgspr0+xMN3UtyhWxDIhFhBGHjdUb/+tnjiAW1TtnDCm9bRHDdemL8o3a+0SpaXqsOjU/K69xAaRQDYBx4xEeT2v2WRRVNkUAhWYm3/3PgUP/G0uqqniQR6Vbfg89LDNr90fjIl3MzcwhuEw0HxAXPSy0AsDvZmJQQ9GzJQJj0DEOKZls6F6RA6qbnZTiOURSu3O3z+P0riRknaIakqJ2xanfnioRmvv31OJ6bl5JSitI4ACh4M1N15W0rSqtNOxQXypmxooad9sT7z7cOGvq46TGhMbEJHld/8f1/fVi7YrRPxk9wRuIjJBNdAbfdbly/ntM3IkIA3tura8N0M+XRV6/fcL3l7HwzoHJUjqGq+croK9euubo89k9vHdzTAZAfWHqe0AsWuRmP73q6XPrM9XFI3pSCtOlHcqN/e/3mtSuXHrFC5kU6wOWT+Ulul5yuXPnF/aiIRYlJJ55IZ/mXr9gAjt7x2sW6slz/VbkJ0XHj7153cna543P/fnb/FE81MBB744ar041rTzNb9qUquOhrfMKDZg/P2y5ON2+9SO5b5NEAAHvNLI+r151cXVySm1q3LRSj4i+M5hZXT0loAFxeXPjo8g3nFE43gaHgGFNdm1nemPncxe3nN/54+bbzjZf1Sxtq5UDW88vXnFxc/ujsGtwybwDY6071vXLt5i0X14TaOpXZDFrZUr6rX92+VNh+/767s9NN9xfxcU18mcECgGoXW1788faNm59FsP9/9t4rPK7suhrsl5mnmfk+/x7b89uSbHVLLdmSLVtWy4qt2K3OTTDnAJLIORGBIEESBEgEIhdyziByzjnnjEJG5ZxuqJvvnocCQLCbkgCSTZYorifg1rnn7jr3nFUn7L12mVKrFER98s7bf/vOLz85ffGMra1tSqeEwExWK1JgUAljrl08ceTYheM2VzL6q6aNYvV8pu/ZI8ePnz51vXhQDWDGFhquHDry3rETF85+ltY/bsSR6rA7f/jDez/8r+/++NCn3sE3xjWytbyL57JXZZhxMC3Q5uiJM2dOnT4VWDyoBlRefevGkeMnvG/fKlzQGikAADMhv3PWtn5uFQAYnllsupf08U/O5G6qWJ5cbvL7/MLx4596ZWboMYvqIzA8v1B5M7S85MvKEs8642NpRCyVyeVyntueSe7fnQUnVGKxVCqVyuWyvVfkchm34xz3EtxZULViMfNXBYvjip08pxypUamlUimObu9KECQilclkMgVJUADsSnd1fvTQXnkeiuExfNtmtUYkkUi1Wu323JwnZTK5WCwmdm54tYkPgFer1RKJRK/T7V4yoTKJRKpQKBjK8qIpHCfIHbknhsIUcgVNbedpsgbiAwBatjg3EHk6ty5/mtLzAAAmVC6RSCUSKY5vdwwEU0gkUrlcTpEMgFQsyojzzlQqAYDRarUSiUSv0+5JwktL5XKZTG7pFyRBKFRalVIhl8kkYjFLk1Y84wMAMK+1utdUJo+atTsSx2rtpkQiVSp3HbwZE4LIJBKFQmn512gySGVylUqtlMl0Oj2unE/xzbCMfhRXSiRSqVSqUFjYgNVo1VKpFDGZ9jwTR3B81xWUpDnETNBmSz4N1tKY/OPbeRTDE/gThLNeR248AZLN9pGN1X3LhFHj85UzKuWX3Cn3i1ed+J4VVkJ8wGH6uZLB5SGLLvSfL65bFs8UtW8sAUv/+dJPgpXv8RHY5sB8lwk1/fmifwRqxWDLyiQ8KQTgq8ZXoscXFBT0F63Hx3E0cPtnMZ5l6WfX43tNfH8MVqPHx1EsvX/9OJ5naZYG7ln1+CyyVNYInuXZZ/o14nnmpenxmZ4rUBQlCMLHx6e8vJym6WesDcdxhUJhY2Oj1+sxDHsuFu4DiAUHKY8epPxjQFGUYZjg4OC8vDySJJ+uklcYJEmOj487ODggCIKi6Eu1ZftF7/NdI8gzdQwMw3Q6nY2NjVAoZBjm6Sr5SoEgBx0pT67hOZq0f7whf36QyWQqlcpgMHh6epaWlhqNRplM9iy1qdVqkUhkY2OjUChUKtVzNNVKYGkxBEECAwOzs7MNBsPLtsi6IJPJdDrd0NCQnZ2dRqNRKBQv26IXB0uHt7GxmZmZQRDkZZvzquH5L3VZlg0ICHiOS90TJ0682rJU8Oq6szwXTE9Pu7q6vvw9vhcODMNOnjxp0eN7jeeL14cbLx+vDzf+NKzlcOOFw8oPN3bwTLvbLwuvie/JQBSrmxrVny/3PPCa+HgAmqdpmtrVueF43qpidR8BVc2I178QBvBVPcr6iQ/XzGytvpjWeL54GuIjSQLoRyf0NINrtFpsx8ftQMSn0+k1Gq3pcclPA6KlzQjQZnhZxIdIeyeKbJuVKLH9a8bStMFg1GrVNGkGAJ4ltVqdTqf/cuZAjiW1Wp1WqyXwR6GIFEXubTGGxdVaLWKy+B+9+sRnwvUajVatVlO4aecUj9Pp9DqdBoDjAVSDuTVBv7vqeKu7YxoAgDF1Vj+ckJstha2G+DiWwGlR3UcPJ5c1YJnpsDxvREwIgj+KBuUZ0vxH8k/yDPXYR7xOp9fpdOy2xyLLA6/XP7pi7cTHYaSo4ZOy4QXlo2skQxhMhp3W4LU6nVarNVhSCQPA9pDXYCj6eIY2FkWMGo1Gq9XqdDrEaGQpAiUMGo1Wp1Zt4QA0vl2hVmcw6J84zeQBDIiO3mlhjDJpNFqNRmNG9F8ufDDiw4yiyekSl4ufpC2uKQgAALNeXHo/+uQnn9l6OHSursNOesl9EB+zOlt57Pip4ycOnT3iPrydLh0QdVXE5d99GlBUMA/A0y+e+EjpYtmt4I8/+cTmg9O19UMA3Ka0JLcs4cK5c6dPuNWOqXW6tbgHvkePHLtw7pT7nfo11SM/JhrZTIjxO3rsxPFjR11vh82L5QyhmJp+6O1wOH50SmqJbEGV5THx5z45dMHxUqNwu0+/wsSHEPre2GMfHzp+/vRx90yLHh/W0hh79MiRc2e9BS1So2osqKjh+2kLs71V0fWVaoNptTkhuaZAj22/dOsgPkI22Oh3/MQnR4999N57927lImYSANSreSH2P/j0g1/UboqBRtfXejMEnm6xMcqdX7VtcOa1td6sFE+P2Ad9WsslargrzebwsaOHD9+vaOBpHFubLcuKPnr8xNHDh+9X1HMMbdV6fCwyUZLhePLMB+/9xtsvZ0CE8RwPQGz03bf95Ndla5tAYeOjxSdPnjl8+MgRm08LZ5YA6JmRvMNHjh85cvTs2TOlY7M7jM+DSXTresDRo8dOnz599Oix//r1LwMy+1YKHT76/OiF08dto1siVwFYVDhVZnPk6OljDgWlT5B9NshLb5/9bdDDh2sEUDS6VGj/4WdHz58+cf5+/ZcnKAcjPrForLLuYX3Qx+lLmyoSAGCoOiHCr0ihYZf6kjPSYnSYmdufSAHFGNa7100oRvFiZc3l82nzKAdAmLqLr8XdPuFwP614EQBeLPHxHM8KG6IC71fVmc0kvjk0Nr+mEE7EJ4bcKhmXikUaEwrA19RHuN1rNeIkYuzLD0nOyxrfrWCrvTnvRrnWqEFQY2diZWdRm0qzUlVXXH/reOrktJwAAJhpzwpzzxDJ2I3xvLSEMCXyiosUIAQ6lv7D8ekVnU4NjBmAkEuKPrBNUSAkYRy88XHy2nKzq6Doe7fXNOvd92oaBsdm0hNKu/Zs6FsD8fHa9cSzF4t6VrdwM2HSr49Uik0AelFdflCex6nMi2/XiJQsoW9tz65Lj03Nv6cwPaaSyVCmlrbsuoy4zLywfi0AAKdbSb6QLlGJMaMi81yiZGumMbw48n9SZHoJZlRknI1XqKUIglgt8ZnXxkLsXceMRgrDRSO5w0oTxQO+3l2cER7r++/l6zIwSro7VhUKGY5j61NNToezEcVs+qV0kXwTwU3DU2NZtska/e5uEk+SBIZhBGnGVPI70eerJ5CFvB8Pji3otSoDDQAMzRrWutYRgjAMpVy8W6L8wqwaN7Tl+z24bhPblLtOAM1S07nvDIzOa7VqnnyCi/WBl7oYRS3luafMralIAGBzH8a6JckAQDndVFISvqYzwX5lqQCAQhBMrBDV+F1OHl8EAI283j+pfqYp2jO2qGQBXjTxAXD01lzZnRu+Lp0KpZ4EABB3Ngf89FRYusfFC2ftbmcuy6nGpijvuw16xIRopANB96JyGtidibdsqSvBK6C5Y2ZFOJFbcq9pSQ0ABEMvl/inTkzLCADgapsSbCO3AEAj7KsouDmvMcArTXwms773wSeHjp10dLjXvcEBEApZ2aHLqTKtVqkQZ5293iFZGiu47WPzm0uXvNPLWscL/Iu7hUadkWe2NwesgfhwXNUWfu7E+bDUjgUtarJszSwvldzK7Fwsc027/J0akcKyKbk1WpFflSw3fiG6gweArbHKksqkPg0AAG5WtUd5hce0DXQmJVfXLWuJ2fHY9kC78NiOgU5BclW12AxmzHqXugb1Sq73oZimdrXJtLuObepITi0f6M+5WLq8ASy9uyBVSOsdT2bqDFuDSX437zeLh/JrAhwze2c0X94SIHFVfYh9yswmRgnzzn525ITD1Vslc/MGAAAegNKbkL7UyDtFD4F5LN5DIa4MSGqaqA5P7Xy4TgBFo4t55z47fMLe7kb52BOS5xyY+Mw0Pp/tvEt85U1Jd5q0PACprikqvL+qNeyb+FjQrp47d+HMqRPnw8srxw2MRljkm7wqAkW/wC+2IG8VAPgXLFIAAICppwcenj975vCVGxXdq50dYXZXY+fmZFKpJDPhXnBxgUk1n3Pj3OFjR52d066c/PmNMsHuXgVr0iirr93wvnLs2Dn/+83zUhQASI5YKvJNGd8mvtbu5MBqJQXAIh1luSFzKh280sQHADqDbH1DNNRbancysmOLxAnjVJ7noSMnzl+4am/34xaJAhgORcVSlWKuvMI3c7g2Ldrp1MnounbGakQKAMAsFy4Px8QH2h06fDywTCjZXMr1yhKpQdrumXX1X8s3t1ewW6OluRVJXyK+7Y+KyhMtxMcBMMOp+fdsT53yT2xcI2kO31yc6Y8pvn/l1Cn/xIYVmuHMuBUvdQHUi333wgKPHPrMMWW6ddmgmWrPCqhXGGE+yz5vUbwby8RIZjoTnCvFcgCAidyySNvfXbx2PKq9blpDfykbhlbR9MDBrl6mAAAEU69viMbG691/dC/AMxkh9KBZOXny5Gnf6IgGKcCeYwb1XJ6HYEMB4vYYQXPNmhkAAMXV6xuiseEGuyM3JLov5oc6MPGRHCHMd09fWtcwAMDll0X7pG4BgHqivrT07pretG8hUgAgKZoxm3HZYuPVzzL6i276O5+Ojo11O2/z8eH3P8oqGN0wG7TqFxuytr1FTXPcam3Godtl7dVFN93b1wEAYKM7PKkp2UwyJGOmacIkWygIvJVY3QcADMMCwHRr9s3wAjkLqF5aEX/9Tl4jzXAs0Ktl/hnTMwoaAPi6pjjHBysAoF/oriwMfuVnfI8izWhV1h98syQiLQs0i9MUrdDM3r4SMmrYjiGXT00K0iaWpqcGSuKmFPKG68lihfXo8W3/uvEAeqU4wu3E8Y8/9nJyjIqLu3nm3Uu/+b8OB7bNyTEAkE6UF9Ymq1DLl+Iolt8VRJJMlJfVCPr1AABmzVSw7bUBDDQbo3dd7OqXRWURoWcO3x8mQLM5dtfpcsMGakaMVqvOsjtSUIM62vvKW5GpTj//6bXgoKgHMed++91Pvesm5RSwuHk8uyP71o2cNQaAMS6EXPLuNPEUtqYcSbzm7j+uwFnuUeolbHNg2OOYZ3rL46ICSPXvHYJ/FTasQwFomma0okH79+/PKVCLETxjnsj383E6+yAuzvXMB7/57JpH9vj0+u4i2ljxsV/+6hdD6Q9IfDwh0egbg98PbpSqVCrguZnqtLDotFWdabg1Li4mn+QYdl97fDxLyqvrVlUqpcFgWJyouHosRTjbX11RWlJWcdftzDHbw8fqmoUqzqDVvMAZH21c6cltb+udkZFmfL4/4/C9/JmBvuQIH/vFJbV8s6rwRkhhj5mkDSZEqpRXetmHhoSMSowmxXxRTuq8yNTQEBV0p0lvMiKIvi0+9k5WJk7RSr2x5a5NYOWSUqUGll3pKAy9E7ugM073p0aGZ2I0Ba8u8XEcrK93z8/PavUmZXuM072WaYzhgTIgqFqrbY69daekgeYAAMiN8aY0/4JpvWRrriMvfEgkKvMUKLQqsAri40C7fLdyWbIlNuO4Trl5+96V69GFlWUl+aUV6Q5/8Pvg/zkfO7miNuMUPVyVdD0iamZVCgAcopkrvxvbLqeAN1PMUHXSzXuRw6sqEsOl4vpzlwVilUatlGVctM0Xdt+7G/fukSq5RqVWydMvnK/YWies91SXISUz4XWbuFGP6FR34mzfvNuSnpheUVGeX1Tm9dm/nb3btaGQ9cWF//ZKnEPmhFBsNJuMClnTWdu4TbnSaETmenMjrth3K8WbjVERTSKUBwBoCYk//qZfQ0c/AIjFozMzwzoDohrNDzrsZRc5rjVIq+vWNBrV5nLXpU/CV1Ra6VRVzS3fxLYt+cJg5cOS4rKKO06HProQfq92vaeicW54WGdClAO5bsEFCv0XCeRgxLcy1Xnt7Pnfvv/BJx99dPXixZi2NmCp6aL0i0c+9w6uXdYC7NudhWDwtbo7hw4fPXHy2PlzoX2SR2fbqvHC0PT6+jUA4HQv+FSXNqm6MoKcjvzHL9476RPfIuIB2MWKPOdTpw99/vn1hCQ5QWnH2/1OnT5z+vi1YmGvBCgA0DUl3gp9KATgRjKunz1y7OTJ4ycCExI2DSb52njQ2fO//+Cjjz74wPb8ueiGRoahFivzrh477OpTNKfZfuyrSnwAoFZ22dldPnbE5uytQpFMCcCCfiPVxfnw0aNhJSVLZgDgKLlwdCi7pFFGAAAgpWVhJ4+dzBkftx53FpxCp3M9jp364Q9//ruPjpyL7DbuWiMeyCr08+pSKjlGn+/v+/Ehm9/99ncXLl5ql0oJ9dpglP3NWo2ORgoD/D4+ZPPe79+z+eyz0CTBrFaxXB7w+eFjp0+eTB8apjCzSJq3UPLLzw+fOXPyZMrgoIoFwoqXuiZUURt6/Ke///CDT49er1VtqrdnbRzQwoobTWIFqp90d7/669/87shhmzOnjl1wDaocU4nrb39++NjJEydtL19tlcrMqHZa4Oz3UIoAmM2S+y7+d3rMKoQCAKNuxNfX+ehhmwuBSdljOABLc+aVyuBPDh0+f9Yvu0sBwK4P5Ba7XgiqFe+eoEv7c0oGWxQsEKZxf3+Xo4dtzlxLHBNKvmz/QWd8FGomzGaz2YxjGMZSFADQLImgKElub2rs34+PZHEEQTEMwzDT3okoywNLEZYMZC/Bj4/CNGvFHzavSB85JHA4QWAYxm2PPdqIYjiO78z2mYmO0tiEOZIGAEDNRhTFMAzbUZqjMcLSYubdFmM4yoSiBLHdYq+8Hx9BECiK0sTuCoZDzGYU3W4NAABgaZrbFWEEnsVxHBjrcmDmDJLNgeAz5S1tIp7cc53mgeIBOA6AI2gKwzCz2WwmKEBF8vW7gX7FMj0AUJaPCILAMIw0mwGAoDFLV+F3vhpBkztXaLB6Pz5KPuLbVVu5ypAAe8cvwWxvcNAURexwBY6hABTJoCiKoShKURQAT+kmbvoWibfTBtEMz+31O6EoEkFQisB3LxK0hTEQyxWGB5KDvSl6GQ5YalsRh6IoBEEp4vEklDt4HbnxBKzMZQrG5E/MefwkMI3d8WUzT2/hK098zwgrIT5gEaTTI6G7V2VA/nxhAFBNi3s977eu008b02XlxIcbZ9O7GkTqp9fjk25W362foV5GzNtXoscXGBj4HEUKXkbIGkniB3kiizH0M4kpvia+PwEr2OPbBsuacfQJcr5/BBxFEk+U/90nLCIF1qvHBzxDos+mREmTxL5UXZ873lA9V2i1WpPJ5OXlVVZWhqLoM9am0+kkEomNjY2l5udh4D6hVqvVBymtOVD5vdBqtTiOBwUF5eTkIAjydJW8wjAajcPDw/b29jqdTqPRvFxj1GrNQWxQq9UajebpO4ZSqbSxsZmbm8Nx/Okq+YqhVquf8Y2oNc9aw1PiDf1zhdFoxHHc29v74cOHBEE8Y20mk0kul9vY2Gi1WqPR+FwstDYYjUaKoq5fv56bm4vj+Ms2x+qAYdjo6Ki9vb3RaDQYDC/bnBcHo9Go0WhsbGwWFxdJknzZ5rxq+AtY6r546fkXj9fS838CViM9/6JhidW14qXuXzBeH278MTDPki3hQHh9uPGnYS2HG9vg4NkSTewfVn64AQAA/AtrjeeL18T3ZOi3ZqcV0hfzrNfExwMQtBFBTOxOACbNsNzO39ZFfEZJ5+rCaz2+bSCyzuW5PQkz/2LwFMSHLy3Nq00I//gVzU76y4MQn7a3t7+rq2toZNbyv06x0NnZ3dvV0bSgERlweDnEx2LzQ2llYb9NmJCqCbNps7u7t7u7u6enp7urp39kGseMcpmwq7trtF+oUn7BMFYqXezq7unu6ZdIt1XANIrN3q6usfFJPUFahot254plZP8VEB+rUax0dnaNjMxoUIIBYCjDSF9vT3ev3kywLDFdGx1++aenTnuUVXYDAGiWS7Pih6S49TgwAwBwyPrE+FR77L+HV7RPmyyjnaU087N9Q6MTRk54Tt8AACAASURBVNwMADQl7+7uGRicoMkv3c6oenp6e3uGtdj2OSbHqrq7e3u6u8VateUKySKjfb1dXT1qBAGrJz5OL55vT/hBWFHtGGI52xXO9XZ19XR3dW3K9QAAPL48NdnV2dnXN2DmeQDgOXV3T09/9+jc7BeDZwEAwIxrR8bGhvXYTp5i3Xp3d29XV+fi0paFXE36zcXVDeYJ+x6a7u7enp4ehWE3fbOhu6e3t2dIqXuCK9/BiE8pn2lqTfI69W7y4rrC/OiK56lf5SwILR6n+yQ+jsMXOmu9ffz8/J2DrtqV9lIGlhIWnbVzdL0ReO1G/mDuJgvAvWji4xnVeHdWxD03d09/28sPqwempqsDA4MDAgICAoPtr7z/r6cD5ianChMfePh5B/4h6Fp419yeN2hSr+bGRvr6B/p6nA2/U7al5imlMPvmfR9Hr4Dbjm4pTVOLalq5knPzvo+Dl99Nh+LuAYur56tNfGpD492U0ED/a1GR5SNaDmeJprS0YDt/H99LIflFKmWfR0nbv+VuyhbawquqpSr1UGNCUkuHmbamGR9jmizOCHJxuert5+1wNSE0TmGiAWBxMjX40n+e++g/qzYlHG0Yrinx8PEJdHRNLt3c6wVKEaLCvHgvD4/rQSHe6dW1w1tAaVsLkj28vb29ve4LyijMJB1qaAv3CXG47u1jey0tDWjamomPx5RNCVGB/sFeTldDg+61iswKtaz6xs+d3X2DrwcVD8mBRftL8+2uBlz28vL3u5hY38pR2Exrtbuvd9BJX/uzcVXD5BfyDc9vZqUlfOj64b8XrW4CBxQzEJ4VGhRwPSQ4MCNvQE9zo6MlGQk+7qFBG9rHtUUJbXtLpYent4vjJdcHaTI9EJiyvDTV0909KPC6d1wbMF/kvoMRn16z0j8y0hd5Jm1xw6LHp9eu9o8M90aey1tcORDxsSyqWLJwhlHbYGebvmAwm+cLf947MK7XaSiet/iCv1Di42iWG6uM9LpfUQsAYJZuisQAwHEcxwPw5GBDyq2CDqVMbZJhAABDx+89CKueVO9WgOplegkKAEDWJ0XcbJ5Wj3Uk3/WrMOKgHnsY//6/plZXjvdm3vWuMCCgmijPTbstMr3ienyAakpCvaq6+7VKhYwCANag7PK7eHt5DRi9sOaBc8NKa0BE6r96Lm/MNsW0NHT3j2aFVi/tkf23AuLjee1qwtlLJT0qy4Azisd1BHDypdYsn1q/S5kX3q4RKTlSqxBqAAAdiL0Y1YiSj1w7VbKGn11O0AMAuxnz22vJ5yoRxVTqpUyFXgmkNvtC0rSqM9sr6r2/C17ZBNa03hB9tVMkI6xXiJQzr42G2LnOmgkAwCQDm0ZCqVH0J/1oTigy6DUAgOnHgy7758yYEZoyi0YKo93HZArVkhYAQFm4mPeJfc4qzeyhPq2kKdf1zsOuxNDvP1yTAaZtiAoobO7QKOQyMwAwAPj8Ql9vTWl+fui61vCYOYRmcV7GsjRjWPH8RXyBeG3DUP3zCxEqAOBFCb+JH5CQzyZSAEBy1GKu644s1faVhTz3nPmDzfgAAAAdGhppaG5+4OBRvi6iSHSzMczm8NETx1xC8lpGlQwA/6JnfLRR0ZV+z+dyXFt775zIsKet1MvdCWE3yoQUAGgUG01t7aEXL8fEpa0Z9v74cCr5+uDQcE5KalRU4roRbWhPtU1WAoBO3t967X8JagtTCgVXm1UAoBP1l+ffnH3FZak4MArtfmrr7ed54vDnF2J6NnByaznvXY8xPQDDGkYynEqFoq2WtGy3n52/HFRS0NyW4Vc2Pjs9NCA3bjesFRAf4DQ6letx+qRdUHJZ59DgHAYAMNidebtcstbqlnrl7VqRHHgOGENXb19ywM2U3qHdnCEAoNV0ervca2tv7RwcTvzFjxKvnBgzadbKfP28UtIE/ikjoybNnEtk9D/bDukBWA6ZzHIoWxXhRutVZzGhioaws34pqW39fRMGAAAzLq8MO/fpIZtzZ2/XzRMaadOvPToHtmgAwDBJc4pTj1QNPNLbP5AUFn7/zJUasXTPwQg/M5Tp/1BuRNDlbKfiNRGgEt/3nfwCfM4etfn+jQqf8WkNCQAgnW0oKY1e0zxBTR4AEGW7u3tk+wYY9UN+7mHNLc1dff0Jl8+WrG98oeSBiQ9/TI9v+8pcjuvBiY8Dkzjo+o1A/2u+gpKM6kUAluYIBDVLpZNh74YEHAuRmo2GF6/Hx+DStaGQ4Ov2joH3KxZM27vYprm+0pCEch1NA5gHW2t8Pbwvl6dfTx9YWNlzBsJhQ63Vvn5+12+HBmQPTMxK2nrTvEuVLABu6uq7+7c57UXp+cl+LSoGgNB1Pfwr0OOTyGou2vgpFLjWoIkN+CRqaL6+MeVY9riaBQD1ULpDzboYABggEbNhqKzxfslYXdodf1/fyJQqHEPAOogPABiTRrtZXZEW4ezsdi2hsb+rJf96rkwDkirP3Cvfy14yAgApX/Lz8/OOTg3PnwJ2b8wGKe6N9/T2DwoJ8z/yveQHDsMaTF4VU5x728c7LCqvWyMec33w4M2bw1oeAHST2Q4PrZv4AABTrJYWpLm7ONvdqYqfwaUEmEmjCTUvjFUF2dxdEVaciuzpWaMAgIP1BoFzr1wL+i1/vwD7hLseefUF9UKA7UmxabUjLyBZpQYK3RqJOZI8odQo2y8ddhKJUANqTA855m53YkipAgDxdF1xSdQTiY9RLLelBueMTxt5AKANU+keXtcCg297nfmfsmcnPgbotSKPrJUtPf/oymqxV9Hqtlj4AYgPtrmTlg+e+3m6ULfbs01Nn7m6/fDBsJ4yaDUv1I+PJxlm+4sZBoreC86cRgAAtEh/2k330mXLqnaH8rmOxID7EYnTAGAmLHPp3T1tXeHNrCJBe3NHvHfsLACgs20tJ74eXVFV0RDvkzELAOhcR0VB0LzWCK8y8XGEejT0cO6cEYA0PEw7cTF3uX08++i1MhMAoNqJ9MsPV0UAAMCvt3bGCSaWFxbHSzI3Dfq+qFSR3Hr0+JhHayXGFOt7+P2f/fzk55/aOTof/f13fvPDN949m9Ml1FqC53n9jP0v4kZkJACNUywwj3ovQs0Eft/npmPq3EaH19XwZQBevxbveLVe2BXuE/eNfy1GAMBsms+0LV4TWbEsFexyFgCV5nHqb271ta5tS7GCZjX1dPiUuPjYlew+KQAArdhoS7vaJVXvyA2sry+nXPx1/gbCkixwhGkoxfH0od86ODpeunL+p//x9XePJJT2DEQcTRlRAbCUrOyXce7v9slVAKBaaq6sipUgGADQHJhZDigcAIA0DGZ6380Vah8/VsLMC9cuBo9/KS7uYMRnRhT9/aMxtu9cje8ZGegRKxU6jWZgYCTm8jtXYrsWF2ZYjttfsiGeMksLc7o7Otr7BwYeFid5XXu4uFhfW5vfNzDc/TDOzyUypHIZgH2xCsy0YakjtSI/q7xzfHCovDTWLr5i2QwgHlhKOuvinUuRGACzIpzKyWjp7Oppbg719PZr7Vw0yvviwoNb5rRb6zM56c2DQwPtbQ3BwdGtXXP6yfaE0Ds1PX11dUknzmd09c0bpjoS7typ6umrrIh/EN9iORx8dYkPcMownumVltbf15vud+tGrViD6hSF3u7ZPf39Pdlu3tk4jgCQ6snG8sxbLSpGq1iozg7Ia29P9cnUGXVgFcTHgWrRR9DS2lw7OjTc094cGH+nqFO4ub4yI1wZvnc14cR3Q2o30K3J/NT2zq7OmsosR5d01IyyOvl4iq1HmdjMEiuz0509vbm3rzsJhtrFoFG2ebtFdnS0dfX2Jnl4VIul3WkpqVfOZvcP9vfkuXimm3HEbDZbK/Ex2MaYe1LLSH/vYFend3zQHzKWe1KSG5qauvsG2gUed+o2AZFWBXglZOUWdHZ3dyT7BVXqDeuF2d3tHR3d3UVJSVeuhzQYzcqlAgePwhWTQbe2tra8srYo7M53/YFXlVRBUKvlfkkJff19BV7+Tm7Xm5ZUlHRjoyAp/KqdY35Vhx5HVjqTMk596Fy6pSSNWR52J+zjy0eGxvt7euWc2mBam5vv7uvLuRsaVdf0ZZ/cgxGfVDj0wNPt3BUHhysXr3l7JQ9Obc5Mxni7nbts73zlYnhBqdiI8vtLNkRzhLo74Yq9o7Ozo69PwpIeCHwrNjbc/upV3/uZ9Yu4xVXqhbuzUOap6qhrl97+/DO32JJxNQCArLOm3Me/RyqynNkjypmHka72js5urtfyquZxHihJc9ydxFYxENr58ihXO0dnVxfPzLJJlAUAZr27wc/RPjSiYtaM0/Doyp171RIc4K/AnYWUr9xzd3N0dOnYWXGw6pUIN1d394jBdTMAz2i3pqZrm3pVLAAA2dSc6+Hi1rC8YClsDUtdkjOL6u66uPzh3z/47JiHR+HMI3cK2URF64OwCY2aZtGN2ruXrtr7eEX0CFEAlNcL20L9E3s0YJKVhIXaOzikN9RLtjf0cXlbhK2dk4era+XcPAoAlEYm74318HRzv9exYISdyA2rJD4gSO2AwOV/Dtt87mifNkwiGKdSD7m6ejjaXwnOGQAaAwAgFUm+fm5uzn6+yWsI8LxZ3hZla+fo7Ox8IzhvFQEA+eAD3zute2ZpFLbVIRiQSIBngFTHero7ODhVTEys6ADA1JccZevgdOnSJS83l3qJXjpa3x1xLXXYiOrm70WG2l297Ors5O1i71SpqtrE6mOj7eztBeUP156ksnTQpS5Dm1HcAgxFGQCepc0ohuNmHMcojgNgmH0fblBmBEUxDMNxxEJzFEWjKEqaMdiRZnsJfnw8szVTZNM/tLn7TJ7EzBj/KHEqS2IoimIYhnIsDUCudfTdDZmgORqAo3Y+Yujt+xmOQVCUJLBHWQh2rwAPfwXEB8AhGIbj+B4lD86EYRiGAG+hM55mOIYmLA3CMByO47yV6fEBodWp411aKistnlw7aWE5igIK5VgOgOdJHEFRHLckjVXodVVuZ5sVJhQAMILYVmncvXG78O435XkeEAzHMMSiVm/N7iwAQChn/Nrz8x7JgAKO4yiKMuSjzU0Ex1EUxXFku6tTOIKiKIpSlBmABdOK79kWqeExYSuao7id/SYEx3Ec53ZzUjNmBMVwHDebcZwDjiKBRAgAngOSpDALUJMaBw7ATJIoijLUk2WT/gIiN158rK54tbJ4dg72GxzKDUzktK9tPTHJ8X7wV0B8zwRrIT4WN08klIy3aJ6USOgJ0C1JxxKyJkaeOqjL2okPXa0YrZbpn16PTy3tzhjpBob+80WfN97gnysAgGXZgIAAi0jBs9em1WqPHz9uIb7nYuH+HsvzFL3fJwIAMJb54NM9DABu375tIb6nqOHVBgBMT0+7uLhYiO/lmsLyHEPu1wwAYFie239H+tLtGIYdP358bW3NOjsGAABLA//UtgEAzzPUS/l2b4ieH7a2tmQymUaj8fDwKC4u1mq1W1tbz1KhXC7f3Nw8dOiQVCqVSqXPy879QCwWH6j40z3F0mIGgyEgICArK0uj0TxdPa8qtra2VCrVwMCAnZ2dUqmUSCQv2yLxQTvGAcs/glQqtYhRTk5O6vX6p6vkq8dTfrtH9z9t+zwj3iCeKyiKYhjGz8+vsrISAJ6xNpqm1Wr14cOHEQShafq5WGhtIEkSAG7evJmfn89xHEmSL9si6wLHcZOTk46OjmazmaKol23OiwNN0yaT6ciRIxZZqpdtzquGr2qP77Ue3/7B8/xrPb4/gb9mPT5rdmD+i8ZfwOHGy9Hj48l9H24886NeH278SVjL4cY2WHiC9MpXAis/3AAAAA7ofebksi68Jr4ngt5a6KlY3tpf4WdNEvVXRnz8l9PTkIheutw7PjGr3QlF0iiVJnx7RFkX8anmBKMTDL2fH8Vn7Rh/AcSnWRQMjzL0S3k1f7p5+T/574GJj6VJaUND1ZxSQ2x7I2HDg7WxsXFl1dU6hoID5dUlhckpaUlJSRnZjTupHAnJRl9SUnKyILGqdpQA0Go0L5z4CHFT+bVQhx/7lC2taqRbvQJBqkAgEAgECXEJ0ZlVGgo4Stbc8DAhIUGQlDu1ptnTrMzUZFNSkkCQlNrau7otv8eLmxvKExIS0tMKZ9b1JK7uqMpISBSkZOSMrW5nFH/Vic8wP92akJCQl9+6pKPMAMAR87PtLaMTDMuRhLKlNM7B6Yy7S0BOZTMHwKz15WZGTcoxi8ubtRCfWdmel5eT6PVt+7Cipk0AGgBYTNhWm5SRV7Cht+iFIMvzHYmJiVnZDUb2ka8fAODIrECQnJpcNi1XUACWPsNiwoaHWf3CVQAADpWsjaekpKQmlyxIzWD1xIdvzlQl+r1tfyOlWowSHMeZhxozExKTkwVJnXMKACCIpcLCkvj4+LTU1DXM4vVi3ljuShKkJMTHVdeP4Rzs/AryANzGWntahqBnftFSP0kJE5OSUwSJNSMrCsxSzLy53J2YmJSSUmHY27ykrraqPCEhMSkpKT4+IS1+aGrBSPOsaLUrMSkpJbnc8Pi7gIMS39pqb17h3Rsn30ld2lQQAECLJgcSkgpSUlL8g70La/thJ+fGnyU+ijFOlbclp6Zn5jzIu3Hxfq3GDIBhHf5ZMcX5haWFuW3t09SLJz6OWKkvS0pJSU7NyLrlVVjZu7YxkZubn5OTk5tXHBF+5pcut9aUmsqB9ListJKiouKCCuGWdvfu6cnyOyEPcnOyMjIEd2JSu4dWALCa4eTYrPSSosKHxZUrUkyx2V0e/nFicmZpeeXclg7+CmZ8q9KyG5kJRQX5tdU9G0baQJgelofE33S8nhxhNJO0fvxycev38jaNor6Q0tpNqayhUZDQtcDu9FSrID6zpinizr3IyPD0zIy46NyIO2taDoDr64kPvvRTn8Pfq9qUAoBUXX09I74oP6+qogNld0c1IMapyHtxyUlJeXlxTuGF6WWDwFEA0N8XF3T4J9GtzWaTrKEk6ojn3cwUQW5ujMfdcp7GrDhkDRjNet7tmwk5BemJcWl3faq3MLFC1Rz+k9ikjMLC/JFVLZC6mqi0pOSk3JyspJTknLga1EzpjC3+GbHFBYUF+XkdnVPEDvHRFFpbF54SG+Tz3t+F1lQAB0Dpa6PTktNSc/Kyz3x8425SB46b9aY2//SYovz8suJGZE/zAm1obarPysrOzi29FfT9v72ULagSy1UdAZkxRfn5ZUWNCAdfWGccjPgYQr8hUc6mO6fOr1vUWRizzqIrPFVZ53G1VUuxHLsv4gOexEwWn29CXObgXrQAiLzY3aOksnp8eLBXziAMCS94qctSDDdUE+sZlpNvMRHH9jpnmjrK0hMal9RDrXGefq2dXdNTk5ObauOjRQ9XXhd5MXYQAADMI+EP65Lb5GPtcR5+bZ2dE3OLsxgAgGKjoznhs86eodVVseW2V5z4DBKBrV1VY9P4yNC4FgB44AmlRrXQWphTk27ASRJdiAi9/5MLzW21+cntjZ3Ndblhnbo9ObutgPg4VreeYXcptXxDTgMAcLSeBUDWBmrSbg6EOWZeeLtGogaDNM3OsbKhcWx4cET92PxCLWt853IiAgCgy3nnStznpcsY4JtDDcnBBdnnkgeaEY3Q4e79bxwfwAAAVJm/SOiUMQSGWCvxsfjmRLij/YhlnsvoCJLWGiSdD95p7uifn18BAEDX853jm4cXJDgQ4pF033xUtZbn7FJWWz82Ojo/Nzu/1w2cJ7U63cJIbY3b/xtdXwUcyyMbuU5xM8ubgEmzPdwygysR1Vq+s2tZbd348OCA7I/4PCNbMeGheZsSnUFf5OK8U/gJwRtPocdHLOS47JWlAgDgyIYi77yaAQB+nzM+AABClZ6RGf0gxtfxTqNUB9iW9zGHexFhvu6u/+0af7akQmTmjboXu8fHkMhUTfJtF8/4+JTKnrU9j1VMtUTeCppW4POdRVcO24fcvunu5nTS3jem61G/XJjOvuMRJBAkpaZnhV9zvF9T3NFWY3fY7vadG7ZOXt+/nZ0wuWrSrFYIbjo4OTl7xlb1iy1LnleX+DhSN3XpvQvhEXc9XJyOBeXPIBTN8gAgGsrPqs7QoWYA0M7WtcadDQpJai6oy0u5X97fW56RNi7b/mGwAuIDkqfXGiJ8XC563QyLT0tvkgIA21yYltxJbHS7p1x9u16mofVLdh9euh8Z5uHqfMgnfcZI7qbmQPHR+MCgmJgHgqzc2x/+R9LNQ/1KbWtBhqATkzREZw91UaiooiLintvF2NhYQVpmsP1HDTIpacWxujiF9Kd5uYbejhUkVawAS3EMqW3LvuXo4urocCOjWQSAmIfvel3yvObn6efn0qQmWcOqy2dX7keFe3p6OdqdvvSgWWR+7J1KhZWVLn8XXVcFLJAAyEB4kH3gjWAv95KBKQMwxmXXz6/cjwr3dHP52DluzPBFOuOBWyi87Z5UiQIALnT7/Kql8EdOMV8ufGDiM9P4Qo5L6vwe4uNYbUOof1rNBsnBgQ43KE1+fkFOdnZsXs69pD6FuvvKR9c2Nniap9tTT9y88n6/SmPQvFhZKgAAHjdsFhUWhvqF+Cd2SXeChkcG84Nzh8wADTVhIY41NAM0SY4XesRUJhDU7qxP1d+Uk5mVk1tQFBvgEVFZ0tr84KZDNQewtTYkuPj10IJ0guY4YHmAufqiu7ZhcgqDV5n4QCKvuvi7MK0OcAp9GP7utUblqoYGgK3B/OyaDB2Kw84WqZkyNBV15tcNN2TdfJCeFhNSoDfqwDqIDwCAIQn95FB73YPomMCbSUXZ6YX3c0UK82auR96V7yeP6JXyGtv3bqk1YKbx6ohf5QnF2KN5CS+fr07PzMkqehjx/r9ne3j2t2YXRedIFPhwultAYZcZAPhZ+WxqRmZ+Vl7xXdtPa8ViayY+AODNupGB9sS4WGeveOchfAYFAJrlQbncc+P9axM6w0hiaGdDdHFjQtS9uISi6g1Nre3vg2QyAAC1cDjr/u/7paq9FYqXKitc/y66vgp4AJoYj79R2FqUnJDsdjcsM6d3Q1tn+3t/mRxIlmyK+k3B0toXT8l4VWpWZtaoGAA0+u7zv722WzhvcfULThoHn/Hx9FKOU+qi1LLE42lSVB3lnVS5vrldYL/Ex5n1hp31jH7m8v+kaBUz5Z5JjUIA2rRc/HGk4/u9Cr1eo36RxMfgaoVuW2mQmi37/Z1tPT7JVlWkg3OfUgPAinubE0JaFAQAIKN1D+7VFyMmVCoWY8Te6bcmOT6itmlMNdKRcLNJxQC+3Fjl8Q9RhRk6/faeoKq/IepGoxhl4FUmPo7RLaXZpw7LAVBpSvxlx2LFgoICAPFwYVZNjgHfFTc0TRcVJeTOr6+uTJbkyRBkLCFVorAaPT4OVRp28zaQiTeO/OE375/8/LNTZy+89+4/v/Mfb/zicEpJ33S2o6BPCoApsgW2uUKliaJ0cpFSY9ytxqBpd/xZ3K2wupYk91NHPjp95uxP3vn+d79/MalDtFtGL2tzdYuXARC4FRMfZdCg2x0+J+jk/+3b0jG2fSjBiYbjnbJmlirs7GJ7RAAAvGo5wtG+aX0h1ympfQMAWFYyez/JaUCiMSjlCvX2Ub58ubbR/e+jGxsBwKjtvXQpUgYAnHnO/Rdh7p82rS/nOSW2bwKQmqIU26IlEYkaFWLJ7u0rtQXhUTFKMwkAHLJR6BTbuglAaotTbAsWNuDx/nMw4jMoV0uyC5w+/t4x7+TUzNTBja2J3vw//PDTK2ExRfkZxbUdepTk9idLRVGKzKjyuIT4tLSM8Lsed9IaCBLZ6rvj65eemRFm6+fuH98tR0Gve5GHGyy2OZSdn3kzTJCflRGaEumY0SMjgJ0sG7/zC9vgRpxmAMCgniqMuXYvIiPmgUPg7YCyATGhar0V4pAwyzPq1fLs3PSMjKjwqHuCMhXDY7rZothr9yLS4wTex92T2toX+vuj4+IESckpycG+eeM6y2ro1SU+oDnzaLlPwPXM9LTrNwWJvRrERJoHGxoCXc59eNQ2JTNPiqJAGDaHS1MTIsZwwA1rxdk+t5MSQ3zKVLgZrGTGp1rwvJGbkJSQm5WVnpZ4JT2/fU5HmDE1gq7HumSf+87taYQBeq7+2rXAzLTUG8Fxsata4DXS4dj3jpbIUQofqa9NEAhueYbcrl8d0ALDMCiG6xBkJNLNobCdx3Rr470PkwXJ6Wk33ELyp4QAvBXLUnHmtWFbn9Ss9JTstOTzmZkelVtDRYLY+ARBalp2gENkrxFVTyTd8BQIQrOycuITE0PvZswjyGbHDR//zMSk4Du3HO7nVUsRbDnrw49zRXqWWejrCrvmHfTuP/zh4o2Kmto18XjyTa+kxKTU9OxQn+NXUnIXjYio66a3X0Z62u2g6LAZJWzUhGZ88q+fFYt1PACrTXAIiC2ZsthHc9Ra5w1L4cDIO/NyeKacG/ODDSd/9ON/+ua3vvPNb/zND37gXNPYUBP0jX95661/+efvfvvNn5wJHl/XAXD70uMDmErz/eZb33777bd++s7JCTMAgIlYPf+zn7715rfsk1NGePol5NzgGVFV7Oc//c83/uF/f/ejkOo5IwC/knE/5d3vxPQadmZ0dG1O1I++89233vq2V0SazAyEpiPsnlv1CqkdqD3xXz/8x69/7eOjJ8pXLWnumNq86P/+1rd/8fv309YlBoDZrsJvffu73/rm186H9eI0B6/84QbA6krnpz/4z7fefDNtSMIDkKw24ojNP3/7O//89a/9/Ffv1kmk1MZCW2ekX5olyyhWlBr63bfeCqjvt1CdNRAfy9Bdoed/+Pff+D+//v/949d/7VknYxkOADiAhaKQ+mu/zF01A/AS6bDNf/3XW9/8Zmz7MgBwOtVU2udXKsS8XiQ4dfKfvv61E7djtlCa2hmDLMBa3u3I9mnAdM1hNw7/r79981tvUlrB0gAAIABJREFUnQiJFuEA1u3OQmPG+LM//z++9rV/+PsfXapUaXEaE3e//Z1/+/abX/+1XQ5CAfD81uiZn/3ib/7lX771H9/7t9R5JQBoTQsnfvSjf/zaN/7w3vstEh4AWSs+fLJwnWSNuU5Xv/Ht7/zvb7z5L1//p4/OnB2UaOST57719n9+/1vf+iA7N4UH4MGALp340X+/+eY3b1WMAMB6TVy69/dOFGwCAG5YCzxq27j+6EzJgAlP/Pd/v/XmN2+UDT2rHx9N6FZXVpd2oDMYjAa9ULi8tLS0uLCwvrHB7VeBGQAAMW7OzS8sLi4Kl1Z2VuvU2vLy4uKiVqdjuJciRAqcbmtjIvmdlNGOZYrgAIA3I1qFTIHhj1TGUINqcXFxcXFRqzMAMOs99bl3u0wo8JR+aXFpfn5eKpXSO/79qEG1uLCwsbFBUCQA8JRxYXFpfn5Os+359eoTH7DI8pJwcWmR3E4oSEpFooXFxcXFxbW1NYKigCeMRp1h+5QfMKNqaUloQreP1K2B+AAA2xgbbLlrk1yW2KOT7umPCIpq1EqzmQIA4PDlJeHi4gJupoGXS6QFArek9S0AwEWbG/MLCyq18guDEEEMRgMCwCPGraXF+cXFJaVKYSljzcQHAPq5arvi4vttqk0ULEnhFxeXFubnpYrtnTudYUMoXF5YWFwWCknK4qlLrCwJ5xcWtra2OJ5nDcuZHknL6wBgVilkCwsLQqFwcXFxa2uL4cBg3JqbWxAuLWn0+h3fJsLSvAiKAwCG40qVQqezjCNcIVfQ9N7tJmplSbi4uGgyPXNe3f3gFdDj0yoGBrfW9+95P7dSP6VR//lyfwSvY3X/NKamptzd3V868QGw7Gp1/+oYtc8gLdOWeqG8aXN592z3oLBy4mMp5fByH0bgf77oH4FBM9GwNm3JvvCC8Qb7XMFxHMdx165dsxDfM9YGAFqt9ujRoziOP3tt+wXHAc9zNMNx3P7K88CxHMPut/wXn8YBwK1btyzE93SVvMIAgOnpaWdnZ4qieJ5/iZZwHM9yHEuz/L7eEcfxPMPyHM08ndkAgKLosWPHLHp8T1HDVwyO53meZfbXGk+sgAOe5xn6pbzWN9afK8RisUqlsujxqVSqZ6xNIpGsr68fOnTIItr1PAzcHzY2NjY2Dlj8AOX3QiwWa7Vaf3//zMxMpVL5dJW8wpDL5X19fVevXrWIM75UWzZ2caDiT/cwi2ycjY3N+Pi4Vqt96nq+QjzbF9yt4fkZdAC8wX0F8Pf3t8z4nrGeL8z4nottVogvzPheYy92Z3w0TfM8/7LNeXH48ozvZVv0SuH1Ht/Lx+s9vj8Nq9nje9Gw8j2+v2j8BRDfS9Hj4wi9+Rl2bQ+EV/9U9ymxfbhkJae62+DMJkT/Yh71F0B8HGFCdC/biKfB0xAfz3OPJ+jlaZreyZF+MOJjGIamaY7bPoRmOZamaYZhWJblWAYAtNoXL0sFwJrmphuiRsW7US4MwzAMs5thkgeWYpg/MhR5mmZomub3hsjw/BdSGtPco9v/SoiPpmmWIYFjLITG7GlA09bUZG1Ubn718pIlgIERzkyJ9WZLTJLVEB8PwIFswLt9XI+yAEBzlt7KsAyzczTJkfQf6xgAAI/1iicV5nigGArY7aWudRMfzcuHfVqHtcjeL8VT1PaIZtnt4cwwDMsyAMCy3O4VjmWAZ77gO2EZOyxLwnbz0gxNYRwAb6EIjvijzfuEjyxPeqKi8AGJjyNNprnExKh2kdS0bYm2rDzOyckhKWWIIy2m75f4DMZ+Dw8vV1dX34AszABAK9ISY52cXVzd3K44uNk6+GZ0LKv1xlOnXjDxodOZiccvfPrDE3fHJ9Z5wLp78/x8/R3s7eOKC9UUCcCOtzUGuDg7ObqlVlTpH2trtKE5xc3Nw93VNbYwX0kQADRiWkpPj2lcXjc88jFi9JMZIfcezKr/SvT4pJ2tGc7OzjdDivpVrAFgY63aydnN3dW9U7xF4ZLCkmyb4Kj4iKj0+jqSZc2TVVn5UUI1ahkVVkJ8vGEjMzDQ2+Xktz46F1e4hAG71JTg6OLh7uYWEHS9sE8CwClU4nhvDycnl/ql5cfvZmnK0NuTk1LdsIpuD3WFSmIpXLcofPQU40BWRGDp2CRYd0JxANDP9Ea6nXvrw+O3BNOy7c4tfFiS4OjomJzcKpePRUWFuri4eHh4ODs7OTtd72htiIsLd3Fx9fDwcHVxv+jgn921sof2dBPDBZ6evs5ODvEpXVoWtrozHJzdfTxcfDL7szZ5AMqAagU+Ho6OLiUTU180BtUKfDwdHV1KJyYtVxBsyMXFw9XJOX9s6MvGH4z4lpbaUjPDEi79OG1pS0kAAIgXpwdKB4bGxyruO0V26lkAdn8JxQlaO100MjA0PDHTPJZ2zjl/w8SyW+vL4+MToxMLQ4IPA0N/FdlpUugMp18k8bHaofTYqKKSkdHJ8fL4qraR6cHp1ICU7oHe6dmpgvsFPQ2DirHGKKfwpuaJ3p7Ye2EB9U3N3M5sTtLfkRGc3T/cPzQyVBhZ2FvdJ5aMpWTcSrT/tWBiSrbj/oVoR5PiQ8Lt/qdFrLBMal5p4uOHRgS3i4rnpqaWhGs4RbDqpZys/sHBgabaDEeHtM3lVtvCxn9L3cAVQzeK6xeW1/MfZmSNGnbvtwbi442SHBdnQVlt3ejYRF9nW27E0BY7lf7T6obOqakpoXBRb8IBlWa4uuTnTY6PFl0P9lUo1btR9CRhyC/0Tw/zj0oO7tNuV5i5Xbj4erC3QmXxAyUa68Junf1ZbFsdcNYcsgaEaDbK3atqYmpicLAlw6dqy2Qw4FVtEUlVNXPT01tbUpJAhcKl8fHxqanp0eFRv9vv5ndura8sjY9PTM8uDI/m+N361YNu085kjF9dzPfMzJoYHZ2Zmd7ckmEUMZPz84qatpnJsWEJbiIowJUFXi5ZmZPjYw8Dg9ykcuWuMTyqLNz5KOS6W7FIrDKrC9xTegZ7RseH4+2SpHIx/yx6fMDTepQQ5nvukaWyjGa+KOhi8egWwP4jN1gWCADgAZkS2N+smwVmu0ZWNZEW7Gfr3yU2g/FFxupyDMNOdqRfC42JVnHbzSQfbUsLiMlsFKuVWy35GW1Dg/Wtsd73FgAAgNc0xQvq88htIXJOPNqW6h+/JlKbMU1zfmpz1ywAGDFypTQodWJ6h/iI/pq42sr6wpxPWjb/CohPvxX2sW1mTlZORmrZAs4CANAczwAAEAuOv07eko2VxIbaHLuXGPMgvam5tzK1MHUUx2DX79cKiI+njKJSn4s3o7vGZNtyMrhZP5by+3vRSXl5eY0t0yYWVPL6zy8X6swAhHE2/WqucJNmdgcbTTOwPlxTWiXo0wAAqBX1n10u2ClsV7QqBka+MVaVn5LYUOqa1NcArDUTH4dKZ+PdLtSvrMG2ljTBiGaCPriUlZOdk5XZLHmsND5T4R5dK9oV4EMmxUNeHtHNYmT7bkDlsUccsnKy8/Ly8rIyW6SAs/RczkdhEXElRfVLagUA6FRtn9mmKxEABl/JtMvao86i17R/aptm+Wgzx/5G+0b7vK4q6F51y5RGNJQRnr6+RyfCgoPLUjHm+WznR8THmNqri69esfV80DqvJ+AAS10OjFs+vn4uzk62HkmtUmy3o89m3w/NToxUUACge9Gxuiy51l+cdP2Mm6tXZP64EVhMvJznc8vnPXs7x+sptTIUWrpS/cqVljTRkrqY1IZCbCc7BIkpVnLdAt1crl6xvy6oFqIAABRHLhX5poxvE59xdTo1pn1ejE7mebRJpK+6Hh9vUg9cPHK2sDhPkJhwwiOiT2fC6e3+KusIu1tUSVMEKp2bbIjOK2kYKakIE+RX1lZH+HjVri5ZilkB8QELIB3IT46w9/Fwcvb0zp7jGIDN8dr4hNTYhMDUa46RuVPitcqT0UNyDgC0k1n2GUKp7nEVuK3R0qLyRAvxaWX/P3vvGR3HdaWLet31/ry13p17r+/1zNzxeIIsWyPbclCyZAUqZ0YkkiCJQBCBAAgQRA5EJHLOORE5EznnnFMD6G4Ajc65uzpXVVfVfj8aAClKtkiRJmFa3z9Unzo4darqq33O3vvbHZYJ4wISAORLZS7ldNZiRUuhW0LnKgh6k0qn+oEkdTrdUSU+MFLG5YZ41wAvV3fXtCmDWk2IdzsvnLpUWV2empRsfTOffpAoRmqlHT7WybMs058URW2W+DTbvpg6zz/sTadccjp7obKqvKSkJDU52To4b12BCNe7M7Jy4xNir9qXZ9UtcHfaz8UPsgkAQGjlzuUb24eCK4h4wDK2z/QTq8b5ZD67mQdAy0u5dtne3i11mIl+IwnroYlPh+u+RnxglArZ09PT2TkZObm9D2PxAVCaxaXl2dn5js4yL69KnUEDAJSelVFTmtAtpODp5OoCAIB+ZXWlNinR8VbzzMhQRWjIyFb3+NhIUlx4Q2Nbx0D+5VwBAQAUJWhPyeu8rdXvP+D8yc7MuOixDdrYyGBK7M20pnmKAow0bFT55M4vCzEwGKSDyTZVVW3Tswux9m9Fdon1FMCzTHwgELW7vJsjRYACw1DWn65USdaFOACI+nNvxuVPSu+21KmFleVTwyPTvRVhdeOjBdfzhVIhHBFZKhMIGXeP1dfVEegUWLxy1+m/vpif90XwBqPq2PVxCYDRiCwVORVucZCv6wTvzdwlPrmw/a1rwxIA3KhaK3XLLc5Kir6R3D6wMLdcHXHBLqaJi4NBd8SdG5REyB4e7Pe+4vteF310vcjrk0YdDgad6E7Wu6NcU8YuLhNUu2R27B18A4w6ZmpcjEVoP+ee+ylXjDi/G8sRAgDotNI7WW+PcQ8qOhDyivfccz7x3WDUH7vWxwcgSO1GqXPZJgMOlmUq6cBbrp2mn3YqnS+Vsbvp6hrva7W05YGupgAf74Ed432Jg99DgRnbuu1RsLknIwCAUiACiZYCgKWmBm+bESUGDyg9T+FKuuBgH0c7bfPb8k0ZAMBCS1GMT55Et/+5eLLER6FS5gJnS46TAEBsDH2SmZ+fHX8tZh0hAQBWi2IS6yqHe8riwtp0AADc2brE4uY+BFHM7U7IDdrOzuTQzP1d7bXi+JjyHNRIEkAw6vwLl9fFFIBOXhFkfumyo4Oj8xu/fu4Dh9wZpgSeZeKjQL6d65IwIiYo2UZkjGNIj5CJgGikKDojuXPx3packbTMggY2h82cqSzjqdHR1DyBWABHhPh00nEBX7//oilTU29ENs4BZvr4D6/2RyVHtOzIR4Itw5gEEEpGXazXIFMBIGdzB+eF+7tR3IWGupbcCSUAgEY2HWAeyiCAVDIaE317m1pC3a5dtrdzdHb5/Ngrv//T+awhkU4lP6p1dSkK4U/LTIEsRE34+X+41to4Mpd1PXtdA7q9cb+4G3M8JQAYdYP5TlcKm2cOz5yszopxL+/d1JuYiMcfnxYKQc2pdI1uYukBQM+e9Evw6Num6U2FH2QTuce9z9sM7mkmQs0D1nEAzV5L3LUuulLFZy4v9sxuSjD1UrCZ3zoOoGG3xnuUbQiXt3qvOBaLAAAMDS6nbzO3Hk2IlNQJODu9ESdCu4e2mCwdItuan63uoO8wNzNTr9y6Nf3Azg2KkG+V1DPW19dYrK2+AX8H83KZEQDEd5I8w8J4h+rOT5b4UOliW3RHRuXIpFDAnyiJswqrb2nOvObXv8HY5nB2K5Ovx9f20kama+z8x5YZK0ulAQEF5e046AYCCu2at6Rrg61+4UMsLpvD3q1O8Yq83UbghEy42xd7LqS1bYuxy1YD4AaVWiMQ8zsTLMrWtk1yEs8u8YFBq22KuJA4OLoyV3/pYngvV4erkKob751N693e2dnbYytIAACMM9KU4T7NN0j4i90ZXgPzK7l2/WwDDkeC+CiE1Xe2qmqFxhYJBKvzY5HXfVITU5YnhhisHf5ASHPqyRuFNC0m7z9h0zC+vrRQaX3hDk8PoBfN1r11qoeLkwAayVhjZmyaX8/ihkihlaPqgZOX6sfXlxerL1xs2dWgGo1arVbLEGS5MiCuvVahA/3RFSIlWCs1NvWtAtYebX0hw9nulYKdsS1Oadj50sm5qdEC+6v5AgwA+Gsb569bxd0ZPlxqcmujbniG7ir232gDo/3Yxx1sjQ4fi7vs3923tsGYGi+wv5I21Zc9O9zBYu9NtoddDgu+mLOrw5VjZrbVI6srSw3W56u3tcCqCS+y+5fPagUaXDNuZlM9vLq63GhtXb22DUpJp+3l26s7e7ubs7eunmimax5Jj4+5NOh7zvrtt954/6OPL1+6mNo/KGMuJV+3PH7yxDWfqkU+CgDGB9vjM2DqrYbw46dOW1iYnbcKaqdpAcCAC1KvXu1n8w9H+YSXupRBxunL8XG0ePv9j866RTdu4jLOdEHgR5Znv7Iwt/COj+0V4EAgC2XZ9mZmF6xtAxNGOGoAXU9q+M0qGgWGsTQvi9Nmlpbm5tfj4taFMj5zPui89bvvvnXsgw9src/Ht3UYMAwAdKh8tNC9d++Z3+MDAFKxMuBpZnH61MncsWkgSLl4yMr8xHsffGppbmZtczl7gIcL6HMTheXNDBUAkIrbpYHmp81yh6cJgoCjscenMcinCl0tzr769rGPTppZRXUImbwJVxc7M7MzNtaBjhmjMrkMgNBujAdamlud9S7slQAQuIw1m2rn1SSW4dpqf+9PPv/8T2+9efzLL8IzMpdlCv3mVJCludXZGwU9dx2UBJDbHfGFY/1AkkfYuQEKJasm1PL9T748cfzkjUrGIldPUtROV6XjqTOWlhatzD0AQLTcXqszCTn5LOW+b0GtYaW4uzWykINtXvlWsZ1zFVcFQPGWgizPnjE3P2dp0crkKgSTXtevnDl16rx3cvqwGDPoAIwEZynUytLSyiOtmQNg3B7MuW130r2JqwSgeEuhVpZWVh6pTWwwEgAyepPflyfOWJmbRTU3bd8tcLCPh7X4DIhGo9ZoNGo1giBGAwoAiFqmVCJ6/b6Y2oPH8RmMaoUCQRBEpToMhcdQI3FvBcynsMdnUIkYZadbGIyDhbhGh6hUGgRBMMO+EwMnUAWCqFQqAAIAXx6oqSpYIFAAAJVGplQi9zRGEY3WNGMqlQq/50J0KGEyv/8OApiNCpVKpbpbsk6nN6jVKgRBlAoFEDgAgaEEYTyUocdVKjVl3N8hOwrEBwCElLU7neTc0NXGJE3bezqtDlEoRBjcs39EyBEVgsgBSEB39hgZyeGViAwAUC1qQBCVRqNFEESn1Xy98dcuDSOAwHA48gHMBs5YYE9LDQ3XAphohQRMgajU6kP3LaYhKFPo8j4o0wtuWnVSWuF8eli5QmI6nZQjKgRB1Op9JjHodQqF0qBV36NbRcoQFYIoTEWNcRIMJACu++ZPAGDA1QqFUqVSkdjjqLL2ncBxPCgoqKWl5bH09lRydXXIFl3E/+52B+AJ51mq+/3lD4UfcnX/ApaXlz08PIhvi79/sqAI4cwGl04Sf6a24X0wyBDOzJKI+90t/wy0Wu1R3eMDAKAIFZO3juHodzf9MzBoWIvChxC+fIz4kf6xAkVRHMd9fHyampooinrE3nAcl0gkZ86cUalUGIY9lhF+NwwGFMUwg8FgMDxge+yh2t9/toGiqNDQ0Nu3b5Mk+f06eYZBEMTi4qKLi4ter0dR9CmOxGBADSiOGVD0ge6R4bD997unGIYhCGJmZmYivu/Rw18ZBoMBxdAHnI1v7wBFse89P4+IH7EfKwQCgUwm8/T0rKmpkclkj94bi8U6deoUn8/n8/mPZYQPBA7HpAD4MM0fov294PP5SqUyICCguLj40Wfs2YNEIpmYmHB0dBSJRFwu9+kO5iFvNOcRHwwej3f69OnFxUWlUvm9+/lr4pEu8LCHxzach8GPqMcKACAIIiAgwLTUffTeZDKZpaWlXq9/9N6OJkyGd0REhGmp+7SHc+QAAMvLy+7u7qY9vqc9nCcHANBqtVZWViY9vqc9nGcNfwOyVH8PenzPunPjkXBEnBtPHkfcufE3jb8B4nsqenx6GVuglH13u8eBH4iPAiCBJEni0D1KAQC57804WsRnkDMFnCezH/83QHyogsnfeyreiUfE9yE+HMfuK0uux7R63b562kMRn1qjUalUev2h/xs0Go1GowESg6eYsqYTTy81eA4J9lPRKKNao1Gr1YfhLABgwHVaHYaj97u0KBJXqdUqlQpD9xurtEqVSq1Ua9Q4AGU8PF2n1ZlE+v4uiI8yqlQqrRYBI2piNbVao9WqAYAEkC3d6UuyDghJm5nYAAAgdVN9XetivSmw6cgQH0nhKMHtOXtnkS0nAUCHaVQqtUql0mo0QOw/Kyq1WqtTf+v5BAUanYrEdKbGOkytUpnCwrQHv4NGo1Gr1ST+NxDOApQe5/afvzOzIztIHVOpVSqVWq3W6bRGo1Gn05v+VKvVeq0WCBwA1GqNSqUyGAz3KVQCAAChUqtVKkSv2498UqnVWq36nnAfQqFWq9Xqb2VatVqjVqsPWJjU63Wm/67RaAHXPVIcH26Q7bJ6/bwcqugsyd1XXrXTFmTren1WKASAB87Vpbisdquz5y2tzC5eCNvZBQDgcTrOnrU+a3HGPq61a0MLQDwF4lPzemIjP/3io2OfXhkYXNbpZbW1cTaXbE+fPOmXkrojN6XpaNl9MbY2r3nEJBwcAQCgjKLi4lBLy7NWlpa+SckspVrOX8wPPHfGwsrB+Zpdm2xWZLoQLacv4rLT1VE+/9lXZwEAWL1dEWVpYe7mnt8jpKQkNTdVZGZuccE6YHERjNrV+KqmN1P7exvLMjqaEZ1eNFyYV58rQPbTFo8G8RnV9JnwixfNLE6+9u5Ht9KGhTi+fPv6SbOz586edXByzurdA8BXlyvMLSytrf3GJ74lyEMnaI5zt3BIH+nfBb1etlxx48QZq0vWVi6ZwwBGUrrd1ZpvaXXOwswsa2gYqCMdwAyA7fQ2eJ41f+Xd97zD2lcF+A6z0dr60tmz586YmX3xhUVNbXVYmLeFheW58+fNzcze/vxMct303naThcU5MzMzezu79p1duDfED3ZbWhOsrS9ZmJ8Oj+2UELDLaDIzt7hkfSO/h08ZcQCStbsVbnXu9JlTsR1dXx8MsbvdcuaMpfnpUwldnUASoOZG3Qwyt7CwtDr7+UdvnYnuvu9b9HDEt80cvV1TUO/1Qf7mnvjA+pFsNKWmJKQHvzHCk8ADEx+Ky7fat8RSuVrP4DfZ2hesGWWM4ssF9B26WiWPP+Hob5+uRCRPdI+PooDY7U4Mjm1qVSJq5Xr36AJteXC6wLd0g8dVa1XdKQ0DlT0kgILekZ6dVGP1XHqS64b0rnIcq7+rNKROIOZLZeKetMbB6iERZ3C02HyTwZYqZDojmEIx5YyOrIy4NL9XezmiZ5/4jLr2msj01h65WCxRq8GI6XSCjVaGRIWIusPt0kbkvMkrebW/jt9BuGORDR2zi2v5BZVtm3c7OArER8l3M6wvlQ+tbSqUKolgc6B0kYMtFb06Nb8hkUi0GgQo3IBLN1oZEgQR98deSuwU3Ud9GmFrRXCqzwcOKR2dO6DVKRaLX5mco4nFQgrTglF5J6I84Z0ctnhPLuXlW6cJJTy1Wn1kiU+/PRfm6DoplWnkiq3+5EE+osMAQRCVCpHxOGHJZq2LaoNWrVAq1SpExudEpFg0TLDz7Qt2ONtyRD4+N1Vsny1V7JceBxKdbE8Kq24S8ngyqVSp1xO4ZLNtS4Io5ePZF0Pybcr0uHQ55bJjZ79GKV3IDLm8yOIcjIWilLttzTSxRMRmTDh/GVe/jWgIo0atUSJKlUxZVfRlVKdC93Uj8WGXupTagG2We95VZyGkNfXZrd0TTSXnhtgieBiLDwBFUVyKCPvCHVLGNoDgTuWEJGb0by63RMalFzVypKhRIX+CFh9FkjhjvjI0/KbfglJpko4Trg3k+EUEJU7T1mbqqlO6V/gAquaWnPrumbmg5xPjPTZld4mPtzaY6R0+Psvgsjdrq5J618Qi1lix/ycubtfSsrs3SZQAAFA3t+Q0tI22lpzrYv0dWHzIXtB7DpHRkb7XryX2i/QUABAAqNZgmEgPjm0f06p5vQXhzmbnvDyDC5p7Z2oiq9vW1IgeiCOUuWHQCDvCba6459XN7Wkwgx4AxZSz2Sfsna75+vompnaytABAAWA6FJ3KjYps6IKv1x1nbTUk5DfOtPg6Z/Z07YBWK5nPPWXn6BoSlDm+gwEgq9Mpbc7XsssnVmcqcsvrOFpKrz26S11EtFXkZVk4NqU2GDQAh6tRAjDxYNrVzEnhwdUTgIsH0zyzxlGcP5YakJw3Ilq90xUbUNQ2JdEf3FMdP/YL1+i46MDAQL8b14uWTfu7mB7DVqtST3vkxMzolIKeDy/XCg1A4bqtYufSze17FsuUyaQgMZrb8cT6ban+YGGr3mjxiiheVsKjqrN8XY8PZw12lafMCRSq4Xy3Ye5DLXUJkDIuXLx0ztLCOqS6i6EHAGDW1YVftLLyDG0e2xPKKAD5kyQ+AAAgJczBliyL8+fOecS27VKEViSu9ytIftPa2j4guW9PC5KZwZL4cZ6SnE7+z+Q4T7r8bs6GUSeXNvn4u9qeOXM+IKlvW2kECttcnx4ZHctNSbI6lt87siBdHCmJHeNKtVNFbt17/Gc+V1ci7Le5YDs5NTkyPGTr7NbMlsj0lIw2YWlpcdY7u3JRCQCYFuFtj84v09bq63xy+++UFVw/f7Zgasbk3zgKxAcAyq2x4ZbACI9LZyzPxfSJNQSIuavDwxP9Q6Vdyfah0R0kqdHuLlpYmJ/1Siuakd+TaEUBsl3mU7C8C4K+2KuZg107AGAU89dHRieaG4ucruYqNUqDeGNjMaM86KKllVfesACA1B1dkQIAANZ4vV+gh7nZaf9rDVunAAAgAElEQVRG7qZgX22F1EoqXO2rGXuHzSg1p8L1cjWDDQBAu10RbP2+tbd5RHvfDkqRB4J68mm7S+dHx8bm5mZ7u7svXvNelCpARLe0tDjrEZ8xJN/WgoTTfTmjbw8HAOXGbafSe/T49kHgrNbYjI56+l2XAT6WFhVV0/jNwX9/PT4pDmq9uC7y9ARPIJPzWxPPNWyxKRKIB9bj06M4i7W3u7s5M5HpeL5MSOhnrl1tGJ+mrfU4OgVfdMoUUqB8kgrMBzASGg6P15Uec8K3enl4rMXHrXSLRd9aiYkMKa/o6UiwHObwpErZZNgLtbGuw5y7e3z8+YE6b/+ZDfr6Wm9sVFB2691HVjXTV/q/jlUnlLQlWQ1xeHKFsCflfCVtx3TvnmHiE4lajr1cpFYDgKHB5/1ztyXzAgzHUPYee2Gu/PKZNMFhJiUqqC6vnRntH8jz6ppayrKNWVYDHAl1lkNgMoV0YWr4+lnXkoVDKUFkb70h/v1rixoFYST39thLC1V2J+M5Jn1xACOQs+U3Soa7tDrVRk2we/+dijkCxQ7y3ozCsldsy7l7y4nJsadPdS2uriw221wKYqCAHnU9PlAoRMsrc+EWdq8V7cwK9QAg3mmw8ShAdIfWLirdLrDxKEL0KEEgI05XmmYXGbMdrXmWDh4lwoNbqlAOvvuHJIkYAADFZbk+H/YKJBRBstmc1eVm17P+dpen+Xt55+LaOEbAjLq1IteQzfuJD9sbCbvq1k27K2msVSzdio3vmdz55sgfmvgwCmNUehbRWQoA0AgCP/4/9ldcr7pde/u3P//Ms5zGlgNFPqjFt59OTFGaceeXi/j8sQi3m1NaAFLWduOr0KtfTYl0CqnkicbxUThh3P9Qyyf73okvqC7NDYptYBoAAHqaozNz02LP/Iedw1UXV69P3/xv7737mzOR/Xq9AccJAGy2ryg8uUkNACDoLYiKKms2oPu9IdN9Kf/9eFVud6zVf9jaO7u6exz7/c8/vlowty2FZ5n4SJ1kKvJ0EU0BoJc2F7hYlQlnBfj+o4kuO/0+b2k/K5pgDo6kZ81tbdJnqkrZSnQgMXqVo4SjQnzEQaEvAEoW4n89Yvpgfwo0/M07SRezVuT7Vg/g61dfzp5lAwCKEgCopivm7CXzE24eXqc/fPO9zz76ILC4e1myfzYqKDeP6qONFSclv3G+lAEAela8s20HS65TIUc4Vxc/8JNiGS7W/8OjrpFtBCCXiiICKloPNVpxEhnLvh5Y0W4A0MvmAp1CFnAAUMNUsp/bjXmRGjMCkAZCvRx3OmOGDwBASPbyiq52coX7JjO16/+hve3HVSx26wmHUhEAYFpmiUPZxjZFmLQK9AAAmHz+dlBs6aLqnqKwnLH62NiYeekjixQYDYrVDUap+1se5Sv0jXWJWLS5ujg5Nd07MORr9mp4h1BPAflAFh+FG3g1VXNLS4s02mZ/Z7Gby20Or9/dPXFqdn6NtlXr9bGj+9UZqRR5ogHMuHJzIL+tsbF/aY/JGGjPtU9r6O3O9PUrWV1dpjMYjamJSVVVm+vLU1PTnUPj7Rb/7HLFrnABU/Cm8tJiJxmqgf7U4JDqza2NLTq9MSkpubZ+brFsZmZhbWNrKNX15JX6gcW93a3VyampvsHhYKuXA5q4psp8zy7xgU4vG8+4Vl63sbFW7xvsVbElEqjElWUzyytLw72VjvZZCo0KgFCtD7UUBDWz9CLuWkdpyJ35+VLPAplSAkeC+EiQbPiXTC/MTu8wmWuLU8FpAUXZd6YG+2lbzJXmpJxMm6hapgrZq7w9t7yyNDpQ42CbLtOoKUS8WOoZ3boj5+9MT0+PTEzn+1qcu+nvMzO3WFs/2ttL22KsNsd7pvbJxIsJiclmZ/OWV5dWVldyHB3vcDjo0Q1nMepZ875lszubNPrackCK22uJ4n4OgIRxyyl6YGz+sJlhIDzyqufA2BIASCUDjk6Jc4uLG1uMrjs5yZ43xsWc7Xpf78Y9oV6/UuJRUL66vLK8Ml9y/WbcCl9eVz23vLI0Pt7k8mZiUFCNTkovd7t6e21zc7XVyz2eJxOyJkoqnM/5tXAluKEx5Ia9R07bOn17Y31FARiGAZD1gTHpOa337DncxcMR3+7aeJSru9Ul+8uXrG94eOQPD5uOE5RuoT2dJpPCA8fxYQTGG0qxvezg5OTgcS19VQEAKDKfYXf5ivtV5+DbMzMi0AE8UecGAFAG9UxNov+55z60coisnJUDqthpy7FxcbV1uuKYVF62th9iAQRgy7Vx9TWNEoOWFPZm3Uzt3AYAWm2S++Urzk6OjvFl5TKUWFmscXK6esXuUlQbm6O561giwbDWmb4k2bcanmHiAwADjxbr6nL5smPX9g4AGAndUl3gJfvLHtcSRncxABIXby8uNnSMygkAAH1nV+7VK87NdNrRqatrILCdxkD7K2/8+v0TJ+y8ipcopWHrZojfFQd7d5+cqPodIHRGCttsCbtkd/mae1z/lh4A1cqW+iI8knuRQwevZKE2tXFxQQAa9eLNUH8He1v3xHqeWA4AWn0jq8vc1t7V1cm5Zm1NBUdZiBS0BuVomu3rJ8y/OOeSPKxVqg0AQJ/rr6ivkxv231aVlj/i4Vvd1nZwxCAZT7Sxd3RycvLx8Z9SKI1a6UT8jdgOuR4AtIL0a24OTk6uV92X1BqgUHZf/EVbew+36Lp1GgIAQAEmTLvq4uwS0TKnBAD24p22W4F5Qzw9shoZHWJne+mqk6OHi4NHq6hXSGB6Xml8/Ib622WTHnapa0SN+8Cwr4UxY0bqYQOYcRJDUQzDMAzTm8xmnMRRFMNxHIB4agHMhIFHL3Mf2JAe2MyoEcNxI4Zh5NeVkTDSZOvjk4PFta1rJr+WAddjGH5vYwzDURQF8n4tI4wA04z9HQQwEwYMx/G7M4ASBhTFMMxwsB1DEQR1dy0JFIbjhz67o0B8AECpReLp+ODujhneflU9wkhgKKql4DA4FiPQg+sCUG/uLccnFTbr1XcbEBQAgZni2AmCQFGUNN4Ne8EIYv/5Jwg48gHMetFc3GDD0J5pN8d0gQT1tSqOBAZw7xGM2H/lTRVZEf5ocl6tdp+aKD2GYRh2+Jxg+/xguCf2mNRhpiMEABAmXzKJAwBJkjiO4ziOoQYdBUARcKB2+a2Df/wpayav7mPU43vyzg0KVygfRl9Pr+OrUMN3t/vz+EGP7y/AtNQ9Anp8QOr4UoX0QTO0SIMeEYhUyu9u+WdgCmBmMpnfu4e/Mowqtehe2eCHBUUgYvUTSgy9Dz+SP1YolUqtVnvjxo36+nq9Xv+IvalUKj6ff/r0aZlMhiDIYxnhg0ChQBCl8iHaKxHlw7S/F0qlEkXR4ODgsrIynU73/Tp5hqHVamdnZ52cnJRK5fee5McEhUKpQpSIQqF4wOYK5cM9SPcCQRCpVHr69GkajYai6Pfr5K8MhfLBZ+Nbz1coEeWTe6/vxY8kjw9isVgul6vVai8vr7q6Oo1GIxaLH6U3hUJhkiSTSCQymezxjfSoQCwWy2QynU4XFBRUWlqqVquf9oiOFsRisUqlmp6ednJyksvlUqn0aY/oyUEul4vF4tOnT6+trel0uqc9nGcNPyx1jwSe9T2+R8IR8Oo+HWi12rNnzx7hpe7fMH6QpfpzIP/ctuhjx9+Bc+ORcEScGwegvk1W5K+CI+7cAIAnORuPFz8Q37cD4W5uiQVP5n/9QHwUAEbo9HodeSDXQRAkdZRyde9CJZjepd+X+PlXwt8A8WlE09ub3xood8TxPYiPkkrFhgMmIkiczWHQ6Qwmk2mip4chPgNze4dOZ+xxeAdHsJ2dHSZjW6/fjyV5Ol5dwdadobwzNbtylREAUL1ie2eHTqeLD8LudBopg8Hc2dnV6e4fmE4rZzKZdDpDJlccNqbTGVzu/jWSGEJnMBkMBpPB3GOxDXod/B0sdVGtjE6n77H29HqDyT9rNOo43B2tVk8AwerPLrn25gUbv86OaQAAnbC9uniGrztSuboAGCLgiVcr3i4cnd8zAoBCwaHTGQwGY3d3V63RAuAcNptOpzMYjG3mrkIu+/qiAd3Z3mYyt3W6Q204LYO5zWQy8f1CmpgakW1v7xweOerEZ5CLV6vfLeib3N7P4sBxJYPB3NnZwfc/YAY2h0un0+85gjKZ23Q6XSyWfKO7/Z+2t3cPD5GogsHY3trakkhMCYIYg7nNZGyj9+tgYnwel06nM5lMJnNHyOXpdToAfGd7m8Fg6g3fEnHxcMSnkNJHx4vczn2QTdsW6AEAOLS2NI9PL1yyc/cLb1sUwoMTH4VuTjXZ2jnYXz7vdNa5d4YCQEYGS+1sLjlf8fIubGpfFgIY5XL5kyU+EtmaLY8MO3f+wuUz1i3tk0IhJy/1pqOj46VLF73C4hZ3d3ncpfhYPxsbW2cna9eQetre3Vuol7JuR8a7XbpsZ3fJLTJwZpfJ564kxPrZXLxwPSA1tndpR6DgLY05ODo5OjpZnzd76ZPPUkdlABD1TBOfWt8flxPscNk+IKBsSETISQKA2lnKun78jeSxSY1k6UZV94slu7uLnXGtTUKZfKUjLavjjubgeT0SxEdq6R01vhcvmdtetjE7FRtTsYXgc1lnLM7bOl65cv2Gd+EQBxBO+M1g+8uX7e0dP/74Fx+EDe8pyX2Oo/SjzfV+Vg62tmbe5bcr+0WAyvp7yi9ctDlndSqgvAGM2pXFntZEr0t2DuetTvmV1gGQOp3u6BIfKh8pTL/m4HLB/GSAb/owR4+oNaXpwRcv2dra2VUOzgGKTPcUubpfs7WxsbOzqxiaVar5PZ2FNhdtHR3P2dkGlA1zD2vgUkZZX3eBrY2tvb2di8vN4kFTTc65lJJQRwcnt6uOCRmDQr2uv7vw0sWLzo5e/vlTQB7SGQVqXlLsLTs7e3sHp5Nf/fwnr5flFNNm+9qCrRwv2Zh55OYAfv/D83DEJxKs9gz29keaF2ywTLJUbFr9SLntDluo1ezLUTwg8RmNKs4cB8UJALG0/YpDPk3KG/jMIW5XRYFxN8cm9OaXVWwtoXySmRskQZKrrQm+cU1tJEkREtomi7M5OFYceHtLqSZJbDyzueFOU2tv0tXEIQMJOLrcGF5UnL902MFcb170jUou34DqkfnGmNKeuvbeNOf4QRyAN9/g8fPgivJ1HEgcxykS529MhKZFzvJIeLYtPr2iIc2/qn9EIZGIDEYgUAAwCmidxUFpYR8Wzo4joiWP5KJfBTL5W/2JHR1j04tFCQ1znLsdHAXio2TbmRftaka5IiNJYXrxxiBDpF8qfm12iS6XyzFMZ4qlxXEcN2KESpmTZls+azi091SS2Zt2vourgGkYt20/DPPzYXC2F2d5BlSrEiw6f5CxyJYxVneHxjgoplMJFp0+SF+VoPqjK1JA6bfnwpzcFzVaMJLSjbYVqUa0vZ7tWKrUI1r+Tp5dtpy9WGRfNE9fV1Gg5TOzr2Qu8So/sk/h64EiRAJm583PKjnq/Sxauaj/PZsEoQGAMurFg5GfFesR9mBheH57r1wsFmoJoHCVdOh923i+AQDbiv80dZ6nu3c8RqMRxzFSq6rMuXx1ZGZ4cyPS8fr0PGAqZlPslQEm674L+B6yVNhm+bVDPT7eVm+Kx/Evjx8PCGtjKB5Weh4TCES0LVqlp1PJCkMqmLjimrRM29rjc6u/PJXxzokplQaRP9FiQxQm3G5LivR2bmYw2VItASBmjuT7+di61A30teTWxtEEkp6e9KDIJi6fK9zbGfS/mXC7iThQu27uzLJN4Zm2f/YG80v7mnoGcgMjmgQS0XRXZ+6P/z05r8L0+upx5Uje9ZutPBQA4Bne4yNBtePxxmUvb08rs1Met9dlJABQs7MlkRXzK7UBRTOTBr1qpTEm2voN64s3Sqr6Zsq862Y2hRyeQX+EFJh1Bvl4uoPF2YDkluldPk9EAm5UzeXbfX7C3MrSws2jcF4Epo0/AkjeYIpLchcbhcNQZ6mw/U2nARkAbkTXsl9P9DefE+/vhKgVI042qWLEJLZOHR6RqtR6/dG1+JQKVl2QRUzDHSaXy8UAANTIblWgY2ZeT0O1d8k8g61SrZR4XXK4nVfU11DlXbewJeAP2DmnrtPpIqlkt7UpxTlgVrqvbCQTD9k4pqxv0UUiAW1tOdPJd4SzE/yJp6//jQsWp99KH81k78l4Q3bOKRsM5u7ebpm9Z93u/ZXaKQDBeJ5rbP2uEfSqxj85tAtJIAj9RvHVEhoDvh4A//1lqfaFSI1q8d72xgYtJdE1OJaLAhDGByQ+irVb/ZsXf/3TV3//T1E9ezgAjsuHTv7qN7/9539+97PTr19ve39OpEbk8iddZQ3TSIbiXnrppf/wD23nqgAwxWLZ0M1//80rH7rksQCA3BtM9fn5c8//5z/+c/yXp18Macg5+LCTfaM5t3oFpolB1tILOut4rNVM3+ee+8V//ezfz1yJ+1nEaL5p/o2SvS7bt4bF+7UFnl3iA4Go3fINr5kN+tZS/zWbE7mL4k3+XpZt4bqK5LRFFs9OAGmkVCJCskdnbm+tltkUrHQU5X/6298EdI6ZPiFHgfgAKKN4e6PjvP2ld/7p/Y9vrPPBiBFSziqNwR5PbciycHGny/fFSrS0kLNF/UP3nizmdrgXj/JwAEDWb7/RV3t2micHAILCabeDfYonpAfOEoLCaRXB3kXjcoAjbPEBAKVnDoTYffiTN960XxGIdQAA2HpV2MV/+9ePs0xuQUrBXcx72+3zn/3skywBABj0/J6Pnn/hV//4j3avv2XlGPzhkvQgP0pnEPR8/Nwvf/fSSy/+5Ccn3cI/H90btr7kNLa0xaRNep3/xO7S5UmpUjZ8/PkXXvqnf3rvk8//vY3Lv39ERpQR55Tf2CAhQS2tdi/oZWEAIKdXOpWuM+/TsHpk4jvAUl1RsF2e2IhTBPGAFh+qY+Rk5yZmZ8cVlyYVjgMQUmVfVlZuQmpZ5Im3853OTchkT4H4ADCMVZCf5+sX7pY9z9qkD5RFTU+HpqfmRsRWNk2yAdQDwwXpGZnpqf3ZV89HVhcdPLRUW1+OS6nINMG8qdz89ipEKx8eLczMzosITM449p/JVWU4SQGARjp6PaKWrgJ41r26QlHL568UcFQApLbz1ssXhwSlA9m1aeVylWI6zyWibfbwOSIpTUtjV0nzWE1J5M20lGCfBr5aB0eF+EwY6+uriY2KsQ+q6KQf7jFJ13siAz6Kp2m0AEBhrMysgvolzb2nyfgdnwZPiEigQLdS/kZRvPmsUA4AOHMoKyK8YeWwRA7gzOGsiPD6ZTUcfecGaEdH25Kioy8EFXnN8zd5gv7s6OLq/Pio8pSaAYlMP1+cPTwR3VAfExdVkVLVJ9WCUNyRkZGVknmnJDw53Nt6VnKoaQgCcXt6ek5ubk50TOktH5s+Tu+ZV1LoEgAgpjI/DLL+bEaiEYk6MzNz45NKwi5+Wbe7e/9wCH5xcWHxqBzAoJJVfRowwCUAQEMrcymlMR6V+HAwMiquFdI5SgoA4NCtye1uSwxtE+iMFPFgQqQUjh7mt8oXrF8rWJfvjwzFV29+dOuac6kE4Inu8QGQuEql2f9f6OL4FwlppYVJ3mHdJituMi8msrQK3U9RB93OaFxQZGn/DgDI5QoArKsjOSBl2vQrvys1p63ceGANTvUXnP2P8PJBJgCAUdsefiNjesX00zNNfAQuW0m1yZ+XAmjEc4V2Jzd3o2IumR3/9Nz5C3/8w4svvuxaMMoFIAH06/XN6XnLzC36Uk25QK2ey8jjCnhwVAKYDTr9IdNpksJdY4cOXzzx+mpe0tVKmhwDAHpbeURWrsSw76hVIgim10rF3daXsyUAgCIr7q/E+vovyBHg0Vqy/NNb5KYPJwFA8NZasgIOjxxp4iO0KL4vMFHqm/LjkNWCupwbfrUaAJK/GHXVY4DZ7+EQM8gCADDylyOcXCaEB2m5qGD8TuZ17yoZgFaj0Wq+VgiIu9d03a1IJlwtupwxzANANcyKY0ken4wfnK7XzHs4RG1hABSFqNVa9f6yiTPYEJWUsqs2AIBCOnDeJpEHAAaElne5dOP+IPCHIz6leLu5ptHn1G8sAm7fqa+aoNH7e6MKCkrLyitykm62LT9EzQ2Dnled11hcUlxVXZ2aHBua3E3o5WujI+UVlRnhYX6lo2MSeOJV1owIY6SkNi8h63ZjVUVGbrRfxdT81O3QG0FVVSU1dfWZ0THF3d1KPru9rr6wtCTggkdOWR0fNap4vXGhNxpXEMPGVFF0aG55eXlZfnhC3sgYQyfhtdfWFRQXxfqFJS4YxRoSANgjHVedkyTi/eCYZ5r4QG/UbNQGJUVWV1ZGesclzAgVCh0gCCKQyAYSz/vUTGkBAFeyp2ori5MnNaCWbdUUecWXlaUF31ZpEDgSxEcRkk3/5MqS4vS6qqqK0gL//LzmiuaSnIyK6rqKSJ+g6Osl4zwAIAyiZKfAhq59QTpczJ1Js7pauUOpJX2xwcmVlbXVGQ4h1XnlsxoNI8TS7LhdbMmd2sa6ulkGe7TK89qxHx93SCq+U9tQW7OypzjCS11CvTvnFl1aV1FeU17slh3nULu3ttEU6BpRWVleVFyalZQywx6LD7hVkBfb0NBYWFyaEZ+wIRYsD/SXV1ZE+kXEO/n1KxCSkNOKz1sXMTSoZmWgp6Kqqux2RbznjT45QhA6Tm9kws3qyqp415sBfonze2LdymB/WUVFStDNvIkZILCNrtisL984X7YrJQFAm+3kU9I4tW8766RjiWGJlVXVVekO3pXGbxT8fEiv7t5qeUbmrfikpPiY7MzMAdrmJm04JSUtIS6ma0Vqck4/oHODoEjxan18QlJKSlJWZj1XB0Copxtr4uMTmgb6RQQ8JVkqwrDR35h3/ee2URHlkwwtGLWi8db41PTE5KTkhr4+DUFq91ZKUlIz0lPaVmVsLQCAZqs3L7hslgcAJH9xPC8lJTk5vX2AgQFo9lZLUlJTU1IWpdKDzVVqe3FsZGmBOAjyeraJDwBw+V5FelpSYsqySHTvcRFteJG9DUCSKj6DMTG3hphkvhbmO9OTU6e5+3UbjsJS1wiUYDDnVrTla5euO0SWde4CRvLLyoqSEuNTinrqJ4VAogCgQTh9bW0ig8nhqJbLRpq8g+uncSMA6IU1qalpqRXzPD4GYNDtlN4uTkqIS01OTk/P6FncGRmpiI5PSElOSE1OTktLG6JJ9NqjW2UNI1BabfDHHt4XgvPr13AUJQDw2fa0+MSUzIwMhkYDFCVeqc/MjkxOMh3RAqoYq61MTEq83T62IKR0FADF7wkOqRvXAyoer62KS0jMzswcYtD3/bWYvDYjLTExeZRO56oBcPlEbWV8QmLLyLAQBwAQ7cxNN1R2LAtxACMm7W1s5Onu2WGglPVpaamppTOMb1FaepqZG9/MCPvmkacRwExxGFVJs+vGBw1HNw6P5d6ZZ35j9A+a8fbME9+fwzcm6Ntn7CgQHwAArtLMJGSOd7LkDyZBJl9jz8al9wyQ6PfMfTzadXXBoFwvGG/YlNwNK7nvOr/zBRez+9Pa2wnDn52f7+zwLx3+i2/g4yc+giACAgIeo0iBlZXVE09ZowC/Xzf0LwKnyEfK2vn7JL4HxPLysru7+9MnPgAKCAJ9iAfDaCSJh3uQvgatVmtlZbW9vQ1fl/M8QiC+/9UBAABFGr+lIMYTwI/4jxUmLanr16/X1tYqlcpH743NZp8+fVooFIpEoscywgeDQCAQ/DXb34VIJFKr1YGBgSUlJQqF4vt18gxDLpdPTk46OjpKJBKhUPiURyN4uBsteMj290IkEgkEgtOnTy8vL5uEKY8gvvfV3dPBI/bwPfEj9WOFVqtFUdTb27uxsRHH8UfsTa/Xi0Si06dPK5VKnU73WEZ41KDRaAiCCAkJKS8vxzDsaQ/nyAFF0fn5eWdnZ41Go9Vqn/Zwnhx0Op1CoThz5szW1hZBEE97OM8a/ip6fEFBQY9xqfvk4/iePH6Qnv8LWF5e9vDwOArS808YWq32/PnzP+jx/TXwgyzVnwGFA/GEhMb+bp0bD4ij4tzYB0EZH3Fj60FxROL4jBQQ2COVlDmC+IH4vh1i5vw4h/Pd7R4HfiA+gqBUCJsvEB7Knel1euxAeuhoEZ9it5m28igVdh4cR4T4hJOFwYUDf4uie38BD0t8FEXIJyaGd2UK410vk3h0uLeysnZhlUUCGB80V9cEpYrf1tfdvCdXAgBJ6YbuNNXU1K6ydmU6Cp4O8WHS8e7oHJ8/hvcz91QAwNqebWhorK2pn1liEQAA+MbGeE1tdUftAoOhvfdMVK+YHGysqa2vra1p6RqSqgxGFJkcbKypqa1vaW+i62U6HMBI3xyvrKzu7u1Tk0b4uyA+PYs5U11d3d4+zkZQFMid5Z6q6rq6muqRZRaGKcfr473tPrh00bO8vhcAKO58eX7CNE97tPT4MNl8V2dXdejzPvnNoyIAEgDj7s7V1NTVVNeMTW0YAVCDoqexvqa6dkd6f/Ewg2G7tra+vq5mhilEUAoADKbGNbXbUikAAKWT8LYaGhoa6jvZUj0cDeLji9djXb762DNx7dDmw1W02f47C5vfDBeRCndbmhrrGu4IDRgFAEajTs2YnhxsO2hMYKza2oaKqtq29m66qY0JlG5rsK+m8nZ9bW11ddXkFM2gUQwNDlRXV9fUNNRU1XROTyIGA67jNdTV1lZV5ywq7h8oxW+qr6+ra9gS3o0VxXTS6aGmysoRhYG8b7QPR3ycvZnGliT/c3/K3dgV7k+EonMuLzYtMTUps3+cjj9w5oYJKzul8Slnfb94sWyTCQbVWEVBjEdCbJyPZ3JUTP4yheufNPFROGe4Iz8tNSIyOs7TrXegaWOjPzoi6lZUZGzsrZDE0vk1tkpCr0nPjY2Z+swAABHHSURBVIiLibe64RPXNs25O6F85kBl2OcRtxLSU1Myy5u5ckzEGqoK+zw8MjYrvzhjXstR65Q7S2kZeVGRUV5+buVd+4HmzzbxccQt4fkJqUmJJUWd6wpSZFBOpn8UEHIrNTmxaphhkM+71PT+upwlYQ5FNdzhCESDnZmZ/TPYgRrzkSA+VDGWlxoeFOQbExcT7F8Qk8BSgETZGVaQkJacmpyU3Nq1jGFoZ1bqLa+E2DhP34wMXKu79/TWrKyomJiEpDgL88TsuiXQiLpz0m95JcTGeflmZAiQrbG2QsegW/HRkUlJ0b4pXUDon74en4YXder4yTPeQenxI93rOkwjWLrTEWLx1a//7z/YNOjus3pVYu+b8Vf8kuOdf+uVV8rSGxSjhd7+7/3hN//6Py/U6ygAnaC1uTUqOj7U87jrZz83z8jf0+wb9ZRBVv36H/7LPTo0ITYhLra5ZRpFxHXVlXHxKYE3rX7xb//vKxZeY9yFxOjr5h4pyb5f/db84pT8nunFNDXlMWeupfrYfOXofW1Nr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<br />
Congratulations! You are now part of the 101,000 millionaires in Singapore (if you are Singaporean)!</div>
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<![endif]--><span style="font-family: Calibri; font-size: 11.0pt; line-height: 115%; mso-ansi-language: EN-US; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-no-proof: yes;"></span> </div>
<span style="font-family: Calibri; font-size: 11.0pt; line-height: 115%; mso-ansi-language: EN-US; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-no-proof: yes;"></span>Lauhttp://www.blogger.com/profile/03157935468710678247noreply@blogger.com8tag:blogger.com,1999:blog-5588369716841784334.post-51015427039621791422013-07-16T21:16:00.002+08:002013-07-16T21:17:22.098+08:00$100,000 By 30, So What?The Sunday Times article of saving $100,000 when one hit 30 years of age has caused quite a stir amongst readers. It even prompted for a short follow up piece that more details will be shared this coming weekend.<br />
As with most financial bloggers, we can't help but contribute our two cents worth of opinion on this particular topic.<br />
<br />
First cent, to hit that magic $100,000 many assumptions were made and most of the responses stem from those assumptions. Hence, let's strip to the bare minimum and work backwards. Ignoring all assumptions except for the fact that a consistent time line must be used as a baseline, i.e. one has worked continuously for the past 6 years before hitting 30 years old. Simple arithmetic, without all the fancy spreadsheet financial people just love to use to complicate things to prove their prowess with excel, is this: $100,000 / 6 = $16,667. To make it even simpler, that is $16,000 to $17,000 a year, that's all, no complex formula to that.<br />
<br />
Now here are the assumptions of one that earns the medium income of about $40,000 gross annual package. That equates to $32,000 net income in take home after $8,000 goes to CPF. Of course I am assuming the $100,000 is solely in cash and not a combination of cash and CPF. Fixed expenses that will incur regardless (based on personal experience): Taxes - $200 yearly; Public Transport - $100 monthly; 3 Decent Basic Meals a day - $150 weekly; Basic Necessities like clothing, grooming (haircut), shoes, etc - $100 monthly; Who lives without a phone these days, saving for phone plus telco plan - $50 monthly. All in, it is approximately fixed expenses of $800 monthly.<br />
<br />
On the other side of the equation, $32,000 less of $17,000 to go towards the $100,000, leaves $15,000 annually that translates to $1,250 monthly. Deducting the fixed expenses of $800, $450 is left for discretionary expenses. For most of filial children who give approximately 10% to parents, that is about $300. And for those who have tuition loans to repay, that will probably wipe out the entire reminder. This is of course again assuming that one does not help out in any way for household expenses like utilities, groceries, cable tv, internet subscription, laundry, furniture (sofa, tables, chairs, bedding, etc) replacement, equipment (lightings, aircon, tv, washing machine, fridge, microwave, etc) replacement, etc.<br />
<br />
Since there is nothing left even after ignoring household expenses, that will also mean abstaining from being jobless at any point in time, going to the doctor when sick, traveling, dining at restaurants, celebrating birthdays/ Christmas/ mother's day/ father's day/ or any occasion for that matter, woo-ing potential partners of your dreams, hobbies, insurance, gifting during weddings, sharing in office presents, treating friends, watching movies, taking taxi even if you are late, donations in the form of cash, attend enrichment courses, shopping, getting a personal laptop computer, for those who smoke - no cigarettes, and the list could probably go on forever - Making a normal practical life impossible.<br />
<br />
For those readers who criticize whiners, this is not meant to be a complaint of any sort; it is only presenting the cold hard facts of the cost of living in Singapore for the average working entry level Singaporean, who has to miserly squirrel away every single cent to even have any "decent" savings. Personally, I wouldn't even consider $100,000 decent.<br />
<br />
Second cent, $100,000 - so what? After giving up a normal practical life illustrated above, one needs to find the motivation of why they are doing it in the first place. So, what can $100,000 get you in Singapore these days or even worse, 6 years from now factoring in inflation?<br />
<br />
Most 30 year olds will spend the first bomb on their marriage. Next, CPF will be wiped out to down pay their first HDB and spend the next bomb on the house renovation and furnishings. Followed by the itch to have a car. So, $20,000 for engagement ring, wedding and honeymoon; $30,000 overall for house; $50,000 down payment for the $100,000 car; sounds about just nice. That leaves one with a miserable lifestyle for the first 6 years of working life, only to spend everything away in a blink of an eye and revert back to ground zero with no cash savings or CPF. In return, one achieved a fairly grand wedding for the sake of the parents' "face" (Chinese term of mian zi), a shoebox HDB house with another 30 years to repay the mortgage and a basic 1.6L Japanese car on a 10 year COE lease to upkeep (road tax, insurance, servicing, parking, petrol) with another 5 years to repay the loan. All these, right before starting to save again for the "dreaded" biggest money sucker of all that usually comes along after marriage - Congratulations! It's a boy/girl.<br />
<br />
Well, this topic of $100,000, more or less maps out the experiences and life of a typical Singaporean after graduation from tertiary education. Actual resembles to real life people living or not, are purely coincidental.Lauhttp://www.blogger.com/profile/03157935468710678247noreply@blogger.com12tag:blogger.com,1999:blog-5588369716841784334.post-14546847386515030652013-06-05T22:29:00.000+08:002013-06-05T22:29:14.979+08:00The Sky(Market) Is Falling<!--[if gte mso 9]><xml>
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<br />
<div class="MsoNormal">
In a blink of an eye, it has been 3 months since my last
post.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
With the recent market sell down, there are many starting to
get into panic mode. Hence, I thought it was a good time to revisit the topic
of financial risk profiling.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Determining one’s risk profile is an important first step to
establishing one’s Investment Policy Statement (IPS), which eventually sets the
stage for one’s entire investment philosophy and performance measurement
benchmark.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Risk profile can be divided into 2 dimensions, namely the
willingness and the ability to take risk.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
For willingness to take risk, it will be more of a subjective
topic in human behavior. It will need to take into consideration a person’s
character, emotions, knowledge and attitude. As we all know, these are very
complex topics, as humans are simply not easy to comprehend. On one hand,
someone may exhibit risk adversity by hoarding all their money in fixed
deposits and at the same time display aggressive risk taking interest like purchasing
4D/TOTO/Big Sweep or gambling at the jackpot/casinos.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Sometimes, it is also a matter of framing. Perhaps one is
very conservative about their hard earned savings over the years, having been
brought up in a frugal environment and reluctant to take any risk with their
funds. However, if maybe they now inherited a huge fortune, they suddenly are
willing to invest aggressively with the new found wealth.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Similarly, a successful entrepreneur may seem like a risk
taker. They invest aggressively into their small time business when they are in
control of the Company. At the same time, they may prefer not to invest their
personal wealth, shunning away from other bigger listed Company’s equity.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
For ability to take risk, it will be more of a scientific
topic. It is determined from the amount of assets, liabilities, income and
expenses of the individual. If the assets and income side is greater than the
liabilities and expenses, one has a greater ability to take risk.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
After assessing the 2 dimensions, the conservative approach
will be to take the lower outcome of the 2. If ability is low and willingness
is high, risk profile is low and it will be good to educate and moderate one’s
views and expectations to recognize the limitations of one’s financial ability.
If willingness is low and ability is high, risk profile is low. However, one
should consider revisiting on the reasons for the low willingness to see if
there are any issues that can be resolved.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
In summary, establishing the risk profile is the root of the
IPS and as with most investments, they are for a goal in mind, markets are
expected to fluctuate. However, that is no reason to start turning chicken
little on every down turn. Rather consider it an opportunity to revisit the
fundamentals and rebalance if required.</div>
Lauhttp://www.blogger.com/profile/03157935468710678247noreply@blogger.com1tag:blogger.com,1999:blog-5588369716841784334.post-81289115502294912992013-03-03T11:43:00.001+08:002013-03-16T10:05:30.904+08:00Brother, Where’s My Car?<!--[if gte mso 9]><xml>
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<br />
<div class="MsoNormal">
It seems that many initiatives were rolled out in the Singapore
budget speech 2013. Most of the items were mostly for the lower or higher
income group with little touching the lives of the bulk of the population, the
middles class. Hence, most of the issues were over shadowed by one that strikes
the hearts of the majority of people belonging in the sandwich class. And that
is the new measures on car financing, indirectly affecting car ownership.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
The new rule is for a maximum financing of 60%, i.e. down
payment of 40% required, and maximum loan tenure of 5 years. (Unfortunately, I
just read that it does not apply to unlicensed credit firms that can are
legally allowed to work with car dealers to provide financing.)</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
The common complain is on the analysis of how much down
payment and loan installment to pay. Here is how it goes: A reasonable price of
a common new salon car, $120,000. Down payment = $120,000 * 40% = $48,000
(Close to $50,000). Monthly loan installment over 5 years without factoring
interest yet = $120,000 * 60% / (5 * 12) = $1,200. And so the story on
affordability for car ownership is that one has to have a ready cash sum of
close to $50,000 and be prepared to spend about $3,000 every month on car usage
and installments (assuming $1,500+ of usage, factoring in petrol, parking,
maintenance, road tax and insurance and some rounding up due to loan interest).
So, can the average middle class have their lifestyle wants (some may say it is
a need) expectation of owning a car fulfill?</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
I cannot argue with maths and the sums are in order.
However, what I am wondering was what has changed fundamentally before and
after the budget announcement? By fundamental, I mean the price of the car, the
$120,000 in the example. So, are we saying that when loans were flexible, cars
were affordable and now with loan tightening measures, cars are no longer
affordable?</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
In my opinion, the crux of the issue is why cars are so
expensive in the first place. In fact, with more flexible loans, cars are even
more expensive due to factoring in of interest. The new budget measures are
just a wake up call for people to make more prudent financial decisions. If one
cannot afford the cost of the car, regardless the terms of the loan package, do
not over stretch oneself. It is similar to purchasing smaller items, if one
cannot afford that, does it make sense to buy on credit and pay over the next
few years on revolving credit with high interest rates?</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Back to big purchases, it is similar to making financial decision
on selecting a property. If one cannot afford that Condo/Exec Condo or 5 room
flat, there are options for 4 room or even 3 room flats. Just because the loan
can be stretched to 30 years or more with only 10% down payment, it does not
make the place any more affordable for the same selling price. However, point
to note, before people flame on this, one major difference to take into
consideration is that a property is an asset that has the potential for
appreciation, but a car is almost definitely a depreciating liability (not an
asset, considering the on going requirement for maintenance whether it is used
or not). My point is more on financial prudence when making major purchases.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Again, keeping political issues aside, on WHY Singapore
has reached the current levels of affordability of car ownership, the situation
is as such. Hence, it is important not to focus on the loan financing but to
focus on ones lifestyle needs and affordability. As the financial freedom
concept goes, to be financially free, one should not have any debt and passive
income exceeds lifestyle expenses. Therefore being debt free means any
lifestyle requirement as far as possible should not be financed with debt.</div>
Lauhttp://www.blogger.com/profile/03157935468710678247noreply@blogger.com3tag:blogger.com,1999:blog-5588369716841784334.post-30537469271637838932013-02-13T14:43:00.001+08:002013-02-13T14:44:11.362+08:00The Magic 6.9 Million<!--[if gte mso 9]><xml>
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<br />
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Happy Lunar New Year!</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
With the festive visiting throughout Chinese New Year, the
hottest topic was about the “passing motion on white paper”. It is without a
doubt something close to the heart of every Singaporean. It is something
everyone is feeling the effects of: roads are congested, trains are packed,
buses overcrowded and nothing short of a miracle to walk around without knocking into
anyone.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Well, let’s not get into politics further. Airing
unhappiness and voting one small SMC opposition into power is not going to
change everything overnight. Let’s face it, 6.9 million is going to be a reality whether
one likes it or not. Instead of complaining, let’s take advantage of the
opportunity that is presented.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
There is only so much land in Singapore.
How is she expected to house these 6.9 million people? As we all know simple
economics, supply is limited but demand is surging – what will happen? Prices
will continue to climb up. This is an almost risk free assurance from the
government that property prices in Singapore
will only go up. So, you are either holding on to some of them for capital appreciation
or waiting to lose out by getting them at a higher price in future.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
No matter what, these 6.9 million people will require the
basic necessities. As already mentioned, the transport network is at its brim.
What does that mean? It means more profits for the same amount of operation
cost - more passengers per trip. The government does not want to nationalize
these operators and allows everyone to invest in them. Instead of complaining
that their profits been increasing year on year while fares are also moving up,
invest in them and enjoy the profits as well.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Communication is also essential and there are only the three
main operators here. Do they need to build significantly more infrastructure
like base stations to cope with the additional people? Probably not much more,
again, it translates to more usage and hence more profits with little increase
in cost.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Compared to countries that may have stagnant population
growth like Japan,
these industries will suffer from renewal cost without additional users. Hence,
this projection has effectively given the endorsement of reducing the risk for
these industries. So, just sharing my thoughts on where my ang pao money is
going for this year of the Black Water Snake.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Cheers! Huat ah!</div>
Lauhttp://www.blogger.com/profile/03157935468710678247noreply@blogger.com1tag:blogger.com,1999:blog-5588369716841784334.post-52562965806528542262013-01-07T22:20:00.001+08:002013-01-07T22:20:48.784+08:00The House Always WinsA new year represents new beginnings and new hope. It is also a time to reflect on past lessons, to look forward wiser.<br />
<br />
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<br />
<div class="MsoNormal">
Recently, an article about the interview with Warren Buffett
caught my attention and his comment about transaction charges particularly left
an impression.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
The logic is simple. Transaction based Companies are in the
business to of making revenue by the number of transactions made. Similar to
insurance sales, the prestigious Million Dollar Round Table (MDRT) is based on
the number of new business sales brought in. Similar also to property agents
whose main revenue is made by transactions closed and gets nothing if no deal is
made. Hence, how can their emphasis be on getting the highest price for sellers
and lowest price for buyers? Brokers are paid based on the number of trades
carried out and not based on the net asset value the clients are holding.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
This represents a conflict of interest between “advisers”
and client. Investment banking firms provide the advice to keep trading, buying
and selling, generating a lot of transactions and it is reflected by the amount
of liquidity in the market. The quote I like from Buffett was that it was
harder to purchase 10% of land in Nebraska
over 3 years than it is to purchase 10% of IBM over 3 months. I think this
applies to Singapore
as well.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
It does not help that there is so much proliferation of
technical trading. Encouraging many to trade for a living, doing short term
flipping based on indicators to generate an income. This is normal based on the
human instinct of greed, hoping to make a quick profit with little or no
effort, simply by following magic indicators that seem to miraculously predict the future based on past performance alone as illustrated by the gurus' numerous past results examples.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
However, the overall winners are the dealers. As the saying
goes, the house always wins, which is why the bookie industry is as lucrative
as ever. Imagine a simple coin flipping game that is absolutely fair, 50%
chances of either head or tail. However, the catch is if you wish to join in
the game, you need to pay a 10% transaction charge. The long term probability
is 0.5*(-110%) + 0.5*(90%) or even ignoring the complicated formula, a net loss
of 10%. The losers compensate the winners and the winners compensate the house.
Everyone loses except for the house.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
When some of these brokers give advice, I sometimes feel like they
are giving advice equivalent to the casino showing the trends of opening big or small in the dice games. You feel powerful thinking you have the knowledge and edge for
winning. Right, it has opened big ten times; it will surely open big now.
If only gambling and trading were that simple.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
This is also timely to mention, having read that MAS FAIR review has concluded a "no go" for fee based advisory after so much hype. So, it is back to commission and the conflict remains. Talking big about a major revamp, causing much up roar in the whole industry for a year and conclude that little is going to change. Well, the official statement is yet to be seen, however, I am not too optimistic on its outcome to benefit the customer having confirm that fee based is out of the picture.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Happy New Year! Huat Ah!</div>
Lauhttp://www.blogger.com/profile/03157935468710678247noreply@blogger.com2tag:blogger.com,1999:blog-5588369716841784334.post-7857028902685693812012-12-08T08:16:00.000+08:002012-12-08T08:16:18.075+08:00Fear Of InvestingIt had been a crazy few months. Having met quite a number of people in their fifties, most were on the topic of planning for retirement. A typical sentiment shared by most of them immediate at the onset of the conversation is "I am old already, going to retire, I cannot take any risk with investments". This is a disturbing trend and it is difficult to change mindsets. This reminds me of the time I met a "Poor Dad" and a "Rich Dad".<br />
<br />
First, the "Poor Dad". He was a humble civil servant who being highly educated, worked his whole life for the government. He slowly rise through the ranks. By the time of retirement, he had reach a respectable level and even had a pension pay out. He was frugal and amassed a fair sum for a comfortable retirement. This was 15 years ago.<br />
<br />
Fast forward to the present, he is in his late sixties and complaining that he is afraid to live too long as he has nearly a good twenty years based on average life expectancy and may not have much to leave for his children. What happened? Well, he simply shared the same fear of investing and placed all his savings into fixed deposits that had eroded tremendously due to inflation. Even his pension is barely able to sustain a reasonable standard of living that he is used to as it was based on 1990s salary levels.<br />
<br />
Next, the "Rich Dad". He was a bus driver. He drove primary school children to and from school as well as factory workers. Although not having finished proper education, he was keen on learning simple investments. So, after paying up his HDB at about age 30 plus, he insisted to place a small percentage of his savings into shares. He did not understand which company to choose, neither were there complicated analyst reports to follow. He used what he knew, simply follow government supported companies that have a monopoly in Singapore market at that point in time.<br />
<br />
He bought paper shares into SPH, Singtel, SIA, basically according to him jokingly, Companies that have Singapore in their names. Needless to say, inclusive of the dividends, the funds have increased about five times. And the next thing he did before his retirement was to sell off a portion of it and used it to purchase a private property in the most unheard off place at that point in time, Buangkok. Today, the property has more than doubled in value and he is living happily off the rental income and dividend income from all his investments. At the same age of sixties, he does not fear the next twenty years as much as "Poor Dad".<br />
<br />
Is it sheer luck? We can only see from hind sight. But a prevalent point I got from this is that retirement is a good 30 years. That in my opinion is not short term. So even when it comes to retirement, do not place all the bets into a fixed deposit. Asset allocation is still crucial if not more important now more than ever.<br />
<br />
Cheers to all! An advance Merry Christmas and a Happy New Year!Lauhttp://www.blogger.com/profile/03157935468710678247noreply@blogger.com10tag:blogger.com,1999:blog-5588369716841784334.post-2762207264186056002012-12-08T07:28:00.001+08:002012-12-08T07:28:57.968+08:00CPF Board's Are You Ready? Instagram Contest<div class="MsoNormal">
It has been some time since I last posted and time flies. It is now December, the "Friday" of the months where spirits are high as people are getting in the festive mood. And in the same spirit of giving and sharing, I would like to share this exciting contest from CPF Board. </div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
CPF Board has launched the Are You Ready? Instagram
contest to encourage Singaporeans to start visualising the important
aspect of their lives. They are giving away an iPhone 5 and $2,000 worth
of shopping vouchers.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
CPF
Board started the Are You Ready? Initiative to get Singaporeans
thinking about these important decisions in their lives. They are</div>
<span>-<span style="font: 7.0pt "Times New Roman";"> </span></span>Manage your cash flow;<br />
<span>-<span style="font: 7.0pt "Times New Roman";"> </span></span>Buy a house within your means;<br />
<span>-<span style="font: 7.0pt "Times New Roman";"> </span></span>Take charge of your healthcare costs; and<br />
<span>-<span style="font: 7.0pt "Times New Roman";"> </span></span>Secure your retirement.<br />
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<br /></div>
<div class="MsoNormal">
The
AYR concept revolves around using four simple checklists to measure
your financial readiness </div>
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<br /></div>
<span></span><div class="MsoNormal">
It’s
simple to join. Simply take photos of what best relates to ‘Cash Flow’,
‘Housing’, ‘Healthcare’ and ‘Retirement’, and tag us with your caption!
The hashtags are</div>
<span>-<span style="font: 7.0pt "Times New Roman";"> </span></span> #AYRcash<br />
<span>-<span style="font: 7.0pt "Times New Roman";"> </span></span> #AYRhouse<br />
<span>-<span style="font: 7.0pt "Times New Roman";"> </span></span>#AYRhealth<br />
<span>-<span style="font: 7.0pt "Times New Roman";"> </span></span>#AYRretire <br />
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<br /></div>
<div class="MsoNormal">
S<span>ubmit your photos by 1 Jan 2013 and start voting for your favourite photos from 7 Jan 2013. </span></div>
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<br /></div>
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Click <a href="http://apps.facebook.com/cpf_instagram" target="_blank">here</a> to go to the campaign! </div>
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<br /></div>
Thank you!Lauhttp://www.blogger.com/profile/03157935468710678247noreply@blogger.com0tag:blogger.com,1999:blog-5588369716841784334.post-77762409396413576592012-10-06T10:34:00.002+08:002012-10-06T21:55:32.924+08:00Impact Of New Mortgage Loan Restrictions<!--[if gte mso 9]><xml>
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<br />
<div class="MsoNormal">
In a MAS release that will take immediate effect, the government will intervene on mortgages
for HDB flats and private properties. These home loans can only span 35 years and those wanting
loans longer than 30 years or tenures exceeding the borrowers' age of 65 can only borrow up to 60
per cent of the property price.</div>
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<br /></div>
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My humble opinion on the impact.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Firstly, it will affect those who wish to take loan tenures
that stretch longer than age 65. This group of people is already over
stretching in the first place. It is only logical and prudent to limit the age
to the retirement age of 65. Of course, there will be those who invest in
property and the recurring rental income is assumed to supplement the mortgage
installments well pass the owners’ age of 65. Therefore, this group will be
affected to exercise more caution on their assumption of continuous rental
income.</div>
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<br /></div>
<div class="MsoNormal">
Secondly, 30 year tenures. A quick calculation is 65 minus
30 to arrive at the age to take the longer loan tenure are 35 years old. Anyone
above that age, who is taking a loan, will need to take a correspondingly
shorter tenure. Considering most property investors average age is about 40 to
45, because by now they will have paid off majority/all of their existing property
mortgage (note: property prices were much cheaper when they started their loans
15 years ago), they will possess the savings and income to invest in a second
property. They will now be restricted to a 15 to 20 year mortgage; else they
will have to fork out a hefty down payment. This would mean monthly
installments that rental cannot cover. However, if they possess a high income
that can cover the difference, they can still invest, albeit more prudently as
they will need to consider contributing to the difference monthly.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Thirdly, 40%/60% down payments when all criteria fail. In my
opinion, those who fail to meet new mortgage criteria, in general do not even
bother with mortgage. They will be the ultra rich (including foreigners from
places like Malaysia,
Indonesia, China)
who purchase properties without even taking on mortgages. Hence, the down
payment or loans are irrelevant to them.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
In conclusion, the new measures are reasonable and impact is
meant to have people make more prudent decisions. Those not following these
guidelines in the first place are already making speculative decisions and
should only be the minority.</div>
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<br /></div>
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However, my concern are:</div>
<div class="MsoNormal" style="margin-left: 36.0pt; mso-list: l0 level1 lfo1; tab-stops: list 36.0pt; text-indent: -18.0pt;">
<span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span>How long will these measures be in place</div>
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<span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span>This is quite a dampener for less wealthy individuals who wish to use
property as a leveraged asset class to invest and squeeze themselves just to meet the criteria
at the borderline now. In future when markets (property prices and rental
rates) come down, interest rates go up, they will be caught in a tight
situation</div>
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<span style="mso-list: Ignore;">-<span style="font: 7.0pt "Times New Roman";">
</span></span>Banks and developers will still get creative to circumvent
the measures and introduce workarounds that have hidden consequences while at
the same time taking advantage to position it as a unique selling point</div>
Lauhttp://www.blogger.com/profile/03157935468710678247noreply@blogger.com7tag:blogger.com,1999:blog-5588369716841784334.post-10087659310117986812012-10-02T21:07:00.000+08:002012-10-02T21:09:21.047+08:00Would You Like To Recieve $1,854.36 More Every Month?This was the subject of a marketing email I received. The contents of which I believe is no stranger to everyone following finance blogs, it is the same as advertisements we see every single day multiple times in the same Straits Times newspaper - trade in gold, forex, options, stocks, property, and even magical numbers. The latest of which is not an advertisement but a Commercial Affairs Department (CAD) raid on Genneva Gold. Well, all "good" things must come to an end, the party lasted long enough since 2008 for those who benefited from it and managed to pull out just in time.<br />
<br />
Anyway, back to the topic at hand, how nice it would be to have such a passive income every month. Some of my readers have imagined that popular bloggers could be earning that kind of money and perhaps even more. Well, I do suppose those famous and infamous Singapore bloggers that have sometimes been given editorial space on the local newspapers since netizens are now in the limelight due to the National Conversation could probably be getting some form of income from sponsors.<br />
<br />
However, I believe at rest of us normal people are earning next to nothing and hence, keeping our day jobs. Some of my friends and family have asked "why am I STILL doing it?". Thinking aloud, I suppose the objective and interest has not changed, however, like with some hobbies, you kind of spend less time on them after some time. For those who have been following, the frequency of posting has dropped tremendously and, I must admit, the quality as well. In the close-nit community of finance blogs, most who began about the same time as me have stopped or greatly reduced their contribution. I suppose I will be no exception.<br />
<br />
In a long river, the back wave replaces the front wave. All the best to the next wave of finance bloggers.<br />
<br />
Aside, I would just like to make special mention that <a href="http://anifaview.blogspot.com/2012/04/900k-for-hdb.html" target="_blank">my previous post of the million dollar HDB</a> has come true. It wasn't about it happening, that is a given, without a doubt. What I predicted was the free advertising for the agent. So congrats to Irene Ho from DWG! Winner of the FREE advertising on newspapers, internet news, telecast news, property sites, blogs, etc!Lauhttp://www.blogger.com/profile/03157935468710678247noreply@blogger.com0tag:blogger.com,1999:blog-5588369716841784334.post-31879115373142646122012-09-04T10:00:00.000+08:002012-09-04T10:00:00.801+08:00In The Pursuit Of Gangnam Style<!--[if gte mso 9]><xml>
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<br />
Unless you have been living under the rock for the past
month, you would have definitely heard of the infamous Gangnam Style by now.
Well, for the benefit of those who have yet to hear the word, Gangnam Style
seems to be the biggest hit on YouTube since its release at the end of July. It
has chalked over 84 million hits and millions more parodies and copycats
worldwide. The song has been described as "unstoppable" and "one
of the greatest videos ever to be uploaded to YouTube" and even earning
admiration from major stars like Robbie Williams, Katy Perry and Britney
Spears.
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<br /></div>
<div class="MsoNormal">
There are now hot debates as to the reason behind this
phenomenon that is gaining viral success and attracting so much attention world
wide. The video’s main star is the 34-year-old Korean rapper, Psy, who has been
described as "chubby" and "uncool". Regardless of all the
analysis, main take away here for me, is that South
Korea has taken the world by storm in a very
short time.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
This is in the aspect of music, the K-pop culture. Their
dramas are keeping viewers glued to their seats and their stars gaining
recognition. Their conglomerate, Samsung, is being treated as a threat by the
World’s most valuable Company, Apple. Hence, the law suit of copy right infringement.
Their airline, Asiana Airlines is the World’s No. 2 airline (by the way, for
Singaporeans who are wondering, SIA is not No. 1. Above them at No. 1 is Qatar
Airways). Korea
is indeed evolving as a force to be reckoned with on the global stage. They
have my respect to be able to work within their resources and innovate to
deliver such spectacular results. I am already looking into how best I can tap into
investing in this country’s potential.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
On a separate note, the Gangnam style portrays another
lesson. Gangnam is the upscale district in Seoul,
its equivalent to Bukit Timah or Orchard in Singapore,
and Psy's song is said to have a subtle critique message of Koreans aspiring to
the pretentious lifestyle of the rich, i.e. spending to look wealthy. According
to reports, the average Korean household debt is 155% of disposable income.
This could reflect that many in the society are pursuing materialism to live up
to a certain level of pride. This could perhaps be an effect from developing at
such a rapid pace.</div>
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<br /></div>
<div class="MsoNormal">
At our own local front, there was much resentment towards
the inaugural Diner en Blanc event when a comment not to permit local food was
posted. This led to the organization of retaliating events like Makan Day,
Diner en noir as well as Super White. In my opinion, similar to what is
happening in Gangnam, these negative feelings are triggered due to the widening
income gap of society.</div>
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<br /></div>
<div class="MsoNormal">
For myself, I have no interest in the hallow pursuit of
materialistic luxuries just to show off. Hence, I have no direct resentment
towards the arrogant and snobbishly rich. Lesson for me here is that having so
much debt just to buy “face” (mian zi in mandarin, or in other words, status)
is not worth it. As a Cantonese saying goes, do not wear such a big hat, if you
do not have such a big head. I have to stay focus to my pursuit of my own
version of success and wealth, to achieve the lifestyle I desire by my own
standards based on my own attitude towards money (from my previous post).</div>
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<br /></div>
<div class="MsoNormal">
Cheers! Oppa Gangnam Style!</div>
Lauhttp://www.blogger.com/profile/03157935468710678247noreply@blogger.com1tag:blogger.com,1999:blog-5588369716841784334.post-50052101938164339792012-08-26T16:56:00.000+08:002012-08-26T16:56:26.245+08:00Attitude Towards Money<!--[if gte mso 9]><xml>
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<br />
Having just read an inspiring story of the interview with
one of Prudential’s most successful manager in the Sunday Times today, a
particular quote grew quite an impression on me. And that was his comment about
his attitude towards money.
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
The common saying is that “Money is the root of all evil”.
However, money is just a medium of exchange for goods and services. Providing a
service as an employee or business person, money is the exchange for
compensation and it is in turn used by the recipient to exchange for other
goods and services for themselves. It is meant to facilitate convenience
compared to constantly seeking a direct barter trade. So, is this medium evil?</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Perhaps the more accurate meaning is “The GREED for money is
the root of all evil”. And greed is an attitude towards money. There is a fine
line between the positive seeking of wealth for what it can do and the
obsession of lusting after material riches.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Focusing on the attitude of positive pursuit of money, the
interviewee’s comment of “You live for what you love. If I love Prada bags and
big houses and I work for it, it’s okay. And if I’m happy with the simple life,
that’s ok too. But what’s not okay is if I want to live in a bungalow but not
want to work for it.”</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
It reflects the mentality of putting into action this desire
for wealth. I once wrote another article about the secret of being successful
is simple. It is to stop dreaming and start taking action to achieve your
goals. It is simple, in the way that it is not difficult to understand, but it
is not easy. Taking this first step is the major hurdle, making it difficult to
carry out.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Well, for myself, my character is very down to Earth and I
recognize my shortcomings. I am satisfied with the expectations of a reasonably,
simple life and I work towards achieving success within my means. Others can be
more ambitious and achieve success by working extra hard for it; I am in fact
happy and not jealous of them. The sour grapes will be in the last category
mentioned in the quote, wishfully wanting the great life but not willingly to
do anything about it.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Even from young, many already have that attitude. “I want
the good grades but I am not willingly to work hard and study for it”. Then
when results are poor because of a lack of effort, they start blaming the
teachers, the textbooks, the notes, the parents, the weather being to hot to
study, etc, except themselves.</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
So similarly, “I want to be rich, but I do not want to work
hard for it”. They start blaming their parents, the job environment, the
government, their bosses, their family, etc, and get frustrated, trapped in
their disappointment to meet their expectations. Nothing improves and they
remain where they are.</div>
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<br /></div>
<div class="MsoNormal">
What is your attitude towards money?</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
This serves as a good reminder to me not to fall prey to my
innate human laziness and would like to wish all success in your own pursuits!
Cheers!</div>
Lauhttp://www.blogger.com/profile/03157935468710678247noreply@blogger.com3