tarification analytique-assurance incendie et risques annexes

8/18/2019 TARIFICATION ANALYTIQUE-Assurance incendie et risques annexes

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Cd reabhssh h` jdte$rh n―datevetås, cd gedoecetå nh cd stdtestequh utecesåh, c―h"bdustevetå nhs aret$rhs nh tdregeadtel` hjpcl+ås de`se quh cd al`vhr'hàhnhs prlaånås ht jdtårehcs e`nustrehcs dc'åreh`s vhrs ahu" nhs jln$chs hurlpåh`s, sl`t dutd`t n―åcåjh`ts que `lus l`t eàetå æ sh rågårhr du _(EH

-H) _E)XH) -―H/_H6_E)H) plur c―åcdolrdtel` nh ahtth dpprlabh tdregderh.

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Ec hst ejplrtd`t nh sluce'`hr quh ah tdreg nh rågårhàh alrrhspl`n æ nhs resquhs e`nustrehcs adrdatåresås pdr churs djpchurs h` jdte$rh nh %beggrhn―(ggderhs, adpetdu" dssurås, suphrgeaeh,?.

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Ch tljh > aljprh`n chs nesplsetel`s 'å`årdchs dppceadochs plur cd 'drd`teh nh odsh ht chs 'drd`tehs h` d``h"hs de`se quh chs aret$rhs nhtdregeadtel`.%h tljh hst sueve n―u` acdusehr phrjhttd`t æ c―utecesdthur n―dvler, h` sd plsshssel`, tluths chs acdushs `åahssderhs.

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aljjhàhjh`t n―eàh`neh susahpteoch nh nå'å`århr h` eàh`neh våretdoch .)l`t nlà dssurås chs oeh`s nerhathjh`t nåtruets pdr c―eàh`neh jdes dusse ahu" h`nljjd'ås pdr cd gujåh lu pdr nhs suostdàhstl"equhs 'å`åråhs pdr aht eàh`neh.

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E! . ('eh`s dssurdochs ;

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&hs ote*h`ts ; ah sl`t tlus chs oeh`s ejjloecehrs de`se quh tlus churs djå`d'hjh`ts ht e`stdccdtel`s, setuås du cehu n―dssurdàh!dnrhssh nu resquh#, que `h phuvh`t h` <trh nåtdabås sd`s <trh nåtårelrås lu sd`s nåtårelrhr cd al`struatel`.

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&h *dtårehc ; ah sl`t tlus chs lo0hts, e`strujh`ts lu jdabe`hs, `åahssderhs æ c―dssurå plur chs ohsle`s nh sd prlghssel`, qu―ecs sleh`tjhuochs lu ejjhuochs 1 e`glrjdtequhs, åchatrlèquhs, nh såauretå ht n―e`stdccdtel` åchatrequhs.

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Loht nh )dchur 8h` suppcå*h`t nh cd/drd`teh nh odsh7 Fdchur suppcåjh`tderh nh rhjpcdahjh`t lus

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nh c―eàh`neh ht c―åth`nuh nhs nå'Gts suoes pdr chs oGtejh`ts. C―dssurhur hst nlà djh`å æ åtunehr abdquh pdrteh nh cd al`struatel` ht plurhstejhr chs resquhs, ec al`veh`t nh trdnuerh sur ch pcd` tdregderh, æ trdvhrs u`h sdàtel` !jd0lrdtel`s lu rdodes#, c―e`gcuhàh quh cd al`struatel`n―u` oGtejh`t phut dvler sur chs nljjd'hs eàh`neh, ht ah, h` enh`teged`t chs åcåjh`ts nh al`struatel` suevd`ts 1

Lssdturh ; Ec s―d'et nhs åcåjh`ts nh struaturh, dssurd`t u`h glàtel` nh plrtdàh ht alàlurd`t æ cd stdoecetå nu oGtejh`t. Chs jdtåredu"al`stetutegs n―u`h lssdturh sl`t 'å`årdchjh`t 1

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Adrdatårestequhs #dàtel` tdre-derh

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EE! ( &hs e`stdccdtel`s åchatrequhs ;

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• ^dux nh odsh ; ah tdu" hst ge"å æ abdquh ruorequh æ cd ( alrrhspl`nd`t du tdu" prlprh dppceadoch æ cd 'drd`teh, aluvrd`t chs nljjd'hsohdualup pcus plrtd`t, jdes phu gråquh`t, que råsucth`t n―u`h jesh h` åabha nh c―e`stdccdtel` nh spre`Vchrs.

• ^dux n+dusth*h`t ; ah tdu" hst nhste`å æ aluvrer chs nljjd'hs laadsel``ås clrs n―u` glàtel``hjh`t sdtesgdesd`t nh c―e`stdccdtel` nh

spre`Vchrs h` ads n―eàh`neh. Ec hst ge"å æ 6!.6‶.

• _dodes ; u`h e`stdccdtel` n―u` spre`Vchr al`glrjh du" r$'chs h` ve'uhur hst sdàtel``åh pdr u` rdodes nh :61.

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cd prejh hst pcus åchvåh, cd pråshàh nh M ah resquh d//rd)d`t C phut h`trd&`hr u`h jd0lrdtel` nh prejh nu gdet nh cd plsseoch aljjuèadtel`n―eàh`neh du resquh dssurå.

D. N#e"etel" ;

_esquhs nesteàts ;

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Al**u`dutå ;

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-hu" resquhs sl`t nets prlabhs clrsqu―ecs sl`t såpdrås pdr u` hspdah tltdchjh`t ceorh e`gårehur æ >;j.

$. _âichs nh tdree!dtel" ;_âich "%& ; $rlprh dux resquhs nesteàts ht al`te/us pdr nhs J#A5 sd`s lu)hrturh!

« %bdau` nh shs resquhs hst pdsseoch nh sl` tdu" prlprh ht duau` n―h`trh hu" `―hst e`gcuhàå pdr ch tdu" nh c―dutrh .

hst ch tdu" dppceadoch æ c―h`shjoch nh resquhs !oGtejh`ts ht chur al`thù# hst å'dch æ cd sljjh nhs tdu" prlprhs dppceadochs du" neggårh`tsal`thùs pl`nårås pdr chs plurah`td'hs quh abdau` n―hu" rhpråsh`th nhs adpetdu" dssurås lu `l`.

D OD O D O

'



41

_âich "%' ; (rl)rh dux resquhs al**u`s al`te/us pdr J#L 8d)ha lu sd`s lu)hrturh prltå/å7 al`te/us pdr J#A5 8d)ha lu)hrturh prltå/å7al**u`s d)ha Al*pdrte*h`t > c+"prhu)h nu 5hu 8A"574 prla,hs!

)leh`t nhu" resquhs ( ht K thc quh 1

t( hst ch tdu" prlprh nh ( d''rdvå pdr K.tK hst ch tdu" prlprh nh K L tK T t( .

Hstejl`s n―dolrn cd pdrt nhs nhu" resquhs ( ht K nd`s c―h`shjoch nh resquhs !oGtejh`ts ht churs al`th`us# h` jdte$rh nh adpetdu" dssurås.

/ltl`s 6( cd pdrt nu resquhs (, 6K cd pdrt nu resquh K.

#e $' hst supårehur > $ ; c―h`shjoch nh resquhs hst pdsseoch nu tdu" nu resquh d''rdvd`t K. ^ t'

#e $' hst e`-årehur > $ ; J` adcauch 6K " tK

#e $' x t' hst supårehur > t ; c―h`shjoch nh resquhs hst pdsseoch nu tdu" 6K " tK . ^ $' x t'

#e`l` 8#e $' x t' hst e`-årehur > t 7; c―h`shjoch nh resquhs hst pdsseoch nu tdu" t( . ^ t

4 Ch aljpdrtejh`t æ c―åprhuvh nu ghu nlet <trh nhste`å æ eslchr, æ c―e`tårehur n―u` oGtejh`t, u`h datevetå lu u` stlaVd'h d''rdvd`t.



4>

EE!2! NEH"_#

D. Ch stl!*dih nh ird"nh +duthur ;

Ch stlaVd'h vhrteadc nh prlnuets !å'dchjh`t dpphcå 'hrod'h# hst tr$s råpd`nu surtlut h` h`trhpts. -h thcs d'hàhjh`ts d''rdvh`t ch resquhn―eàh`neh, adr ch ghu hst `dturhcchjh`t dtterå vhrs ch bdut !cd al`vhatel`#, nh pcus, cd pråvh`tel` nh odsh !h"teàthur, _E(# phut s―dvårhr e`hggeadahgdah æ u` seèstrh sh nåvhclppd`t æ pcusehurs j$trhs nh bduthurs. C―d''rdvdtel` hst rådcesåh clrsquh ch sljjht nhs jdrabd`neshs sh trluvh æ pcusnh =,8 j nu slc.

6dr al`såquh`t, chs dssurhurs sh jl`trh`t prunh`ts ht plur 'drd`ter nh thcchs e`stdccdtel`s, ejplsd`t 'å`årdchjh`t u`h pråvh`tel` clurnh thcchquh nåthatel`, h"teàtel` dutljdtequh,?. Ht pråvleh`t chs jd0lrdtel`s suevd`ths 1

• /l` våregeadtel` nhs e`stdccdtel`s åchatrequhs 1 u`h sdàtel` hst pråvuh plur ah ads nh ge'urh pdr u`h jd0lrdtel` jeèjdch nh ?61.

• (oshàh nh prlthatel` pdr u`h e`stdccdtel` n―h"teàtel` dutljdtequh æ hdu 1 plur ch ads l cd bduthur nh stlaVd'h `―h"aånh`t pds chs 9j, u`h

jd0lrdtel` jeèjdch nh 4661 hst dppcequåh. (u5nhcæ, cd sdàtel` pdssh æ .661.

_h*drquh ; chs rdodes plur jl+h`s nh prhjehr shalurs `h s―dppcequh`t pds du" stlaVd'hs nh pcus nh 9j.

A. D!!ujucdtel" nh ,dchurs ;

C―daaujucdtel` nh vdchurs h"plsåhs æ u` j<jh seèstrh al`stetuh u`h d''rdvdtel`.)l`t al`senårås aljjh h"plsås æ j<jh seèstrh 1

-

Chs resquhs aljju`s.- Chs resquhs prlabhs lu chs resquhs al`te'uQs dvha luvhrturhs.)e cd vdchur nu al`thù nh thcs resquhs `―h"a$nh pds > jeccedrn nh -(, duau`h jd0lrdtel` `―hst æ dppcequhr du tetrh nh c―daaujucdtel` nh vdchurs. (unhssus nh ahtth cejeth, chs tdu" dppceadoch du" oGtejh`ts ht æ churs al`thùs nlevh`t <trh jd0lrås al`glrjåjh`t du odr$jh ae5dpr$s 1

Hdchur nu al`thù h` N Jdlrdtel`

ûsqu―æ 8.2 jeccedrns -(

-h 8.2 jeccedrns -( æ 2 jeccedrns -(

-h 2 jeccedrns -( æ jeccedrns -(

6cus nh jeccedrns -(

@åd`t

=1

461

.61



48

EEE. -lnh nh !dc!uc nu tdu "ht ;

Ch tdu" `ht n―u` resquh nl``d`t cehu tlut æ cd gles æ jd0lrdtel`s ht rdodes nlet <trh adcaucå aljjh suet, h` pdrtd`t nu tdu" nh odsh ge"å æ cd tdregeadtel`d`dc+tequh nl`t ec rhc$vh 1

>. (ppceadtel` nhs jd0lrdtel`s tltdcesåhs rhcdtevhs du" aret$rhs nh tdregeadtel`.8.

)ur ch tdu" de`se lothù, dppceadtel` suaahssevh nhs rdodes rhcdtevhs du" aret$rhs nh tdregeadtel`.D.

-d`s ch ads l ch resquh hst prltå'å pdr u` )pre`Vchr, l` dnnetel``h du tdu" lothù ch tdu" n―d0usthjh`t !;.8; W#7. (ppceadtel` nhs nesplsetel`s tdregderhs rhcdtevhs æ cd aljju`dutå, al`te'uYtå ht prl"ejetå nh resquhs.2.

Clrsquh c―åtdocesshjh`t hst aljplså nh pcusehurs resquhs, adcauc nu tdu" jl+h` que `―hst dutrh quh cd jl+h``h nhs tdu" `hts nhs neggårh`tsoGtejh`ts pl`nårås pdr churs adpetdu" rhsphategs.

#AB"J NX ^XI N" $_EJ" N" & %_@Ê" N" '#"

Bd0lrdtel`s ht rdodes

%ljju`dutå, al`te'uYtå, prl"ejetå

Bl+h``h nhs tdu" ̀ hts pl`nårås pdr chs adpetdu"

^dux nh odsh

^dux prlprh

^dux `ht diirdvå _4

^dux `ht

^dux `ht _?^dux `ht _1



47

"xh*pch ;

)let u`h h`trhpresh e`nustrehcch nh gdoreadtel` nh pGths dcejh`tderhs ht nh shjluch sh setud`t nd`s u` j<jh seth jdes du èvhdu nh nhu" oGtejh`tsneggårh`ts. Cd nestdàh h`trh chs nhu" oGtejh`ts hst nh pcus nh >; j.

⇟ #h*luchreh ;

C―åtdocesshjh`t hst al`stetuå n―u` oGtejh`t de`se qu―u` hspdah nh stlaVd'h nl`t chs adrdatårestequhs sl`t chs suevd`ths 1

• Cd al`struatel` 1

RCh oGtejh`t nh prlnuatel` hst al`stetuå nh neggårh`ts jdtåredu" lr oles lu pcdstequh æ > èvhdu ht dvha djå`d'hjh`t nh t+ph >.

RC―hspdah nh stlaVd'h hst al`stetuå n―u`h aluvhrturh h` tuech ht ch rhsth h` jd4l``hreh æ u` shuc èvhdu ht dvha djå`d'hjh`t nh t+ph >.

• Ch abduggd'h hst dssurå pdr u`h e`stdccdtel` nh abduggd'h æ aljousteochs nd`s ch oGtejh`t !rhsphatd`t cd acdush E.(#, c―hspdah nh stlaVd'h `―hst pdsåquepå n―u`h e`stdccdtel` nh abduggd'h.

• Chs e`stdccdtel`s åchatrequhs sl`t al`glrjhs du" prhsareptel`s rå'chjh`tderhs jdes `h sl`t pds våregehr rå'uce$rhjh`t.

• X`h e`stdccdtel` n―h"teàthurs jloechs uèquhjh`t.

• Ch oGtejh`t nh prlnuatel` sh setuh æ j nh c―hspdah nh stlaVd'h.

Chs adpetdu" dssurås sl`t nh 1

• Ch oGtejh`t nh prlnuatel` hst nh 72 ;;; ;;; -(.

• C―hspdah nh stlaVd'h hst nh >2 ;;; ;;; -(.

⇟

5doreadtel` nh pths dce*h`tderhs ;

C―åtdocesshjh`t hst al`stetuå n―u` oGtejh`t nh gdoreadtel` nh pGths dcejh`tderhs dvha u` hspdah nh stlaVd'h nd`s ch j<jh oGtejh`t nl`t chs

adrdatårestequhs sl`t chs suevd`ths 1

• Cd al`struatel` 1 ch oGtejh`t hst al`stetuå preàepdchjh`t nh jd4l``hreh æ 8 èvhdu" ht dvha djå`d'hjh`t nh t+ph >.

• Cd :l`h nh prlnuatel` sh trluvh du >hr åtd'h ht c―hspdah nh stlaVd'h du rh:5nh5abdussåh.

• Ch abduggd'h hst dssurå pdr u`h e`stdccdtel` nh abduggd'h ah`trdceså nd`s u` cladc spåaedc.

• Chs e`stdccdtel`s åchatrequhs sl`t al`glrjhs du" prhsareptel`s rå'chjh`tderhs.

• X`h e`stdccdtel` n―h"teàthurs jloechs ht _E(.



49

Chs adpetdu" dssurås sl`t nh 1

• Ch oGtejh`t nh prlnuatel` hst nh 2; ;;; ;;; -(.

• C―hspdah nh stlaVd'h hst nh 8; ;;; ;;; -(.Ch adcauc nu tdu" `ht s―hgghatuh nh cd jdè$rh suevd`th 1

⇟

#h*luchreh ;

^dux nh odsh alrrhspl`nd`t > cdate)etå hxhraåh 4!=6

$drt nh cdthcehr VV 2= 1

^dux nh odsh alrrhspl`nd`t du stlaTd/h 4!66

$drt nh chspdah nh stlaTd/h V#V .= 1

Nestdàh h`trh c+dthcehr ht c+hspdah nh stlaTd/h : *Cd sdàtel` tdregderh æ dppcequhr du KGtejh`t nh prlnuatel` ht æ c―Hspdah nh stlaVd'h !n―dpr$s chs råpl`shs nu quhstel``derh htLlu ch rdpplrt nhveseth nh resquh# hst aljjh suet 1

'te*h`t nh prlnuatel` "spdah nh stlaTd/h

#dàtel` ^dux sdàtel` Hdchurs > e`trlnuerh #dàtel`

Al`struatel` 8;O ;.D; 58;O 5;.8;

A,du--d/h 82O ;.D ;O 5

#dàtel` tdre-derh rhcdte)h dux e`stdccdtel`s åchatrequhs ;O 5 ;O 5

#dàtel` tdre-derh rhcdte)h dux *lh`s nh prh*ehrs shalurs ;O 5 ;O 5

&h tltdc nhs tdux nu > cd sdàtel` 6!3: 96!.6

Ch tdu" prlprh shrd nlà 1

6lur c―dthcehr nh prlnuatel` 1 ;.3 W A >.2; W U 8.> W 6lur c―hspdah nh stlaVd'h 1 5;.8; W A >.;; W U ;.; W

Cd nestdàh h`trh ch oGtejh`t ht c―hspdah nh stlaVd'h åtd`t nh j, l` dppcequh chs r$'chs nh aljju`dutå, al`te'uYtå ht prl"ejetå 1

Ch tdu" prlprh nh ( T Ch tdu" prlprh nh ), ( d''rdvh ) ht 6!(#T6!)# nlà c―h`shjoch nhs nhu" resquhs hst pdsseoch nu tdu" d''rdvd`t ( 1

^dux `ht > rhthèr plur cd sh*luchreh .!4:



42

⇟ $ths dce*h`tderhs ;

^dux nh odsh alrrhspl`nd`t > cdate)etå hxhraåh 6!=6

$drt nh cdthcehr VV 24!? 1^dux nh odsh alrrhspl`nd`t du stlaTd/h 4!66

$drt nh chspdah nh stlaTd/h V#V .:!3 1

Nestdàh h`trh c+dthcehr ht c+hspdah nh stlaTd/h 6 *

Cd sdàtel` tdregderh æ dppcequhr du KGtejh`t nh prlnuatel` ht æ c―Hspdah nh stlaVd'h !n―dpr$s chs råpl`shs nu quhstel``derh htLlu ch rdpplrt nhveseth nh resquh# hst aljjh suet 1

'te*h`t nh prlnuatel` "spdah nh stlaTd/h

#dàtel` ^dux sdàtel` Hdchurs > e`trlnuerh #dàtel`

Al`struatel` ;O ; ;O ;

A,du--d/h ;O ; ;O ;

#dàtel` tdre-derh rhcdte)h dux e`stdccdtel`s åchatrequhs ;O ; ;O ;

#dàtel` tdre-derh rhcdte)h dux *lh`s nh prh*ehrs shalurs 5=O 5;.;7 5=O 5;.;=

&h tltdc nhs tdux nu > cd sdàtel` 96!6 96!62

Ch tdu" prlprh shrd nlà 1 6lur c―dthcehr nh prlnuatel` 1 5;.;7 W A ;.2; W U ;.7= W t!(#

6lur c―hspdah nh stlaVd'h 1 5;.;= W A >.;; W U ;.9D W t!)#

Ch oGtejh`t ht c―hspdah nh stlaVd'h åtd`t nd`s ch j<jh oGtejh`t, l` dppcequh chs r$'chs nh aljju`dutå, al`te'uYtå ht prl"ejetå 1

t!)# T t!(#, ) d''rdvh ( jdes 6!)#[6!(#. J` adcauch nlà 6!)#Rt!)# 1

6!)#Rt!)# U >9.7O R ;.9D U ;.> [ t!(# U ;.7= W. -là c―h`shjoch nhs nhu" resquhs hst pdsseoch nu tdu" nh ( 1

^dux `ht > rhthèr plur c+use`h nhs pths dce*h`tderhs 6!2



45

Ch tdu" `ht 'clodc hst adcaucå pdr cd jl+h``h nhs tdu" `hts pl`nårås pdr cd pdrt nh abdau` nd`s c―h`shjoch nhs adpetdu" dssurås1

• Cd pdrt nh cd shjluchreh U !72 ;;; ;;; A >2 ;;; ;;;# L !72 ;;; ;;; A>2 ;;; ;;; A2; ;;; ;;; A 8; ;;; ;;;# U 73.>2 O

• Cd pdrt nh cd gdoreadtel` nhs pGths dcejh`tderhs U !2; ;;; ;;; A 8; ;;; ;;;#L !72 ;;; ;;; A>2 ;;; ;;; A2; ;;; ;;; A 8; ;;; ;;;# U 2D.2O

du" /ht clodcU ]!8.>R73.>2O# A !;.7=R2D.2O#S L >;; U >.82W

N+l u` tdux `ht > dppcequhr sur ch tltdc nhs adpetdux dssurås 8)ler 4?6 666 666N7 nh 4!.=

&d pre*h `htth shrd nl`a nh 4!.= Q 4?6 666 666 43? 6=6 N!

# te &"# %_@^E"# "@ @@"I"



?6

#hatel` ? ; &"# %_@Ê"# "@ @@"I" ;

E. Hth"sel" / n6dutrhs #,#"hjh"ts

E !4 A,la lu a,uth n+dppdrhec nh `d)e/dtel` dåreh``h lu n+h`/e`s spdtedux a,la nh )å,eauchs thrrhstrhs;

d.

%bla lu abuth n―dppdrhec nh `dve'dtel` dåreh``h lu n―h`'e`s spdtedu" 1

Cd 'drd`teh nhs nljjd'hs jdtårehcs, dutrhs quh n―eàh`neh lu n―h"pclsel`, adusås du" oeh`s dssurås pdr ch abla lu cd abuth sur chs oeh`s nh tlutlu pdrteh n―dppdrhecs nh `dve'dtel` dåreh``h ht n―h`'e`s spdtedu" lu n―lo0hts tljod`t nh ahu"5ae, phut <trh daalrnås nd`s chs al`netel`s ae5dpr$s!%# .

o. %bla nh våbeauchs thrrhstrhs 1

C―dssurhur 'drd`tet chs nljjd'hs jdtårehcs nerhats adusås du" oeh`s dssurås pdr ch abla n―u` våbeauch thrrhstrh enh`tegeå ht al`nuet pdr u`hphrsl``h dutrh quh c―dssurå ht nl`t ah nhrèhr `―hst pds aevechjh`t rhspl`sdoch, slus cd al`netel` ae5dpr$s !%# 1

a.

%l`netel`s nh 'drd`teh 1

• (ssehtth nh prejh 1 adpetdu" dssurås du tetrh nh cd 'drd`teh nh odsh.

• ^dux ; 66?.E !. ^h*p<ths /r<ch e`l`ndtel`s ht `he/h sur chs tleturhs;

C―dssurhur 'drd`tet chs nljjd'hs jdtårehcs adusås du" oeh`s dssurås pdr c―datel` nerhath « nhs thjp<ths, nh cd 'r<ch, nhs e`l`ndtel`s ht nu plensnh cd `he'h sur chs tleturhs clrsquh ahs pbå`lj$`hs l`t u`h e`th`setå thcch qu―ecs nåtruesh`t, oresh`t lu h`nljjd'h`t u` ahrtde` `ljorh nhoGtejh`ts nh ol``h al`struatel` nd`s cd aljju`h nu resquh seèstrå lu nd`s chs aljju`hs dvlese`d`ths.%htth 'drd`teh s―åth`n, h` lutrh, du" nljjd'hs nh jluecch adusås pdr cd pcueh, cd `he'h lu cd 'r<ch clrsquh ahcchs5ae på`$trh`t æ c―e`tårehur nuoGtejh`t dssurå adusd`t sd nhstruatel` pdrtehcch lu tltdch æ al`netel` quh chs nljjd'hs nh jluecch deh`t pres `dessdàh nd`s chs 7b suevd`t chjljh`t nh cd nhstruatel` pdrtehcch lu tltdch nu oGtejh`t dssurå.


• (ssehtth nh prejhs 1 adpetdu" dssurås du tetrh nh cd 'drd`teh nh odsh.

• du" 1 6!6= plur chs oGtejh`ts nl`t cd alu)hrturh hst h` oåtl`.6!62 plur chs dutrhs oGtejh`ts.

E ? aths nh thrrlres*h ht nh sdoltd/h å*huths ht *lu)h*h`ts plpucderhs ;



?4

E !? aths nh thrrlres*h ht nh sdoltd/h å*huths ht *lu)h*h`ts plpucderhs ;

)l`t dssurås chs nljjd'hs jdtårehcs n―eàh`neh lu n―h"pclsel` adusås du" lo0hts dssurås råsuctd`t nerhathjh`t n―u` dath nh sdoltd'h ht nhthrrlresjh, clrs n―u` trluoch æ c―lrnrh puocequh lu `l`, aljjes pdr nhs phrsl``hs jhjorhs n―u`h lr'dèsdtel` lu `l` nl`t c―lo0hateg hst chrh`vhrshjh`t n―u` 'luvhr`hjh`t nh nrlet lu nh gdet, pdt ch thrrlresjh lu cd velchàh.

C―dssurhur 'drd`tet å'dchjh`t chs nljjd'hs jdtårehcs n―eàh`neh lu n―h"pclsel` adusås nerhathjh`t du" lo0hts dssurås 1

6dr nhs phrsl``hs prh`d`t pdrt æ nhs åjhuths lu nhs jluvhjh`ts plpucderhs Z

6dr tluth dutlretå cå'dchjh`t al`stetuåh, nu gdet nhs jhsurhs preshs æ c―laadsel` nhs åvå`hjh`ts ae5nhssus åùjårås plur cd sduvh'drnhlu cd prlthatel` nhs lo0hts dssurås.


• (ssehtth nh prejhs 1 adpetdu" dssurås du tetrh nh cd 'drd`teh nh odsh.

• du" 1 6!?6. !shcl` chs r$'chs nhs trdetås nh rådssurdàh#

•

E ! aaenh`ts dux dppdrhecs åchatrequhs ht åchatrlèquhs ;

d.

Hvå`hjh`ts ht oeh`s dssurås 1

C―dssurhur 'drd`tet chs dppdrhecs, jdabe`hs, jlthurs åchatrequhs ht åchatrlèquhs, churs daahsslerhs pdrteaepd`t du" tdabhs nh prlnuatel`s lun―h"pcletdtel`, de`se quh chs ad`dcesdtel`s åchatrequhs !dutrhs quh chs ad`dcesdtel`s h`thrråhs aIhst5æ5nerh ahcch nl`t c―daa$s `åahsseth nhs trdvdu" nhthrrdsshjh`t# al`trh 1

Chs nljjd'hs nus æ u` eàh`neh lu æ u`h h"pclsel` d+d`t pres `dessdàh æ c―e`tårehur nh ahs lo0hts Z Chs daaenh`ts n―lrnrh åchatrequhs dgghatd`t ahs lo0hts, + aljpres chs nljjd'hs nus æ cd abuth nh glunrh lu æ c―e`gcuhàh nh c―åchatreaetå

dtjlspbårequh.

o.


• (ssehtth nh prejh 1 vdchur n―usd'h nh cd tltdcetå nu jdtårehc dssurå du tetrh nh cd 'drd`teh nh odsh qu―ec slet lu `l` åchatrequh.

• du" 1

• _$'ch prlplrtel``hcch dppceadoch sur cd odsh nh c―dssehtth nh prejh du tetrh nh cd 'drd`teh nh odsh.

Cejetdtel` !h` O nhc―dssehtth nh prejh#

> 8.2 2 >; >2

du" !h` W# 6!62 6!4. 6!4: 6!.= 6!?=

oc



??

E!= ^rh*och*h`t nh thrrh ;

d. Hvå`hjh`ts ht oeh`s dssurås 1

C―dssurhur 'drd`tet chs nljjd'hs jdtårehcs n―eàh`neh lu n―h"pclsel` adusås nerhathjh`t du" oeh`s dssurås pdr 1 X` trhjochjh`t nh thrrh, aIhst5æ5nerh c―h`shjoch nhs pbå`lj$`hs ceås æ cd någlrjdtel` nh c―åalrah thrrhstrh h` u` cehu, nd`s cd jhsurh l

ecs sl`t phr4us pdr cd plpucdtel` htLlu pdr chs sesjl'rdpbhs Z

X`h åruptel` vlcadèquh Z

Ju pdr u` rd:5nh5jdråh, s―ec hst al`såauteg æ u` trhjochjh`t nh thrrh lu æ u`h åruptel` vlcadèquh, slus råshrvh qu―u` ahrtde` `ljorh nhoGtejh`ts sleh`t nåtruets lu h`nljjd'ås æ c―laadsel` nu j<jh åvå`hjh`t.

Ch abla sesjequh eètedc ht chs råpcequhs survh`d`t nd`s u` nåcde nh =8 bhurhs sl`t al`senårås aljjh al`stetud`t u` shuc ht j<jhtrhjochjh`t nh thrrh.

o.

%l`netel`s nh 'drd`teh

•

(ssehtth nh prejh 1 adpetdu" dssurås du tetrh nh cd 'drd`teh nh odsh.• Ch tdu" nh odsh hst rhpråsh`tå nd`s ch tdochdu suevd`t n―dpr$s cd :l`h sesjequh 1

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Al`struatel` al`glrjh dux _VD vhrsel` ?661 6.16 6.1? 6.19 6.>6 6.>>

Al`struatel` al`glrjh dux _VD d`tårehurs 6.16 6.1> 6.15 6.>1 6.>5

Al`struatel` `l` al`glrjh lu `l` våregeåh 6.16 6.19 6.>9 6.86 6.76

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?1

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EE. Hth"sel" / n6dutrhs oeh"s ;



?8

EE !4 Loht nh )dchur ;

%htth 'drd`teh hst u`h h"acusel` rhcdtevh. Hcch `h phut <trh daalrnåh sd`s daalrn prådcdoch nh cd -erhatel` ah`trdch al`ahr`åh.

« )l`t dssurås du tetrh nh ahtth 'drd`teh chs nljjd'hs jdtårehcs adusås du" lo0hts nh vdchur nl`t ch jl`td`t nåpdssh chs D;O nu adpetdc dssurå

!oe0lu", pehrrhrehs, phrchs ge`hs, stdtuts ht tdochdu" nh vdchur, alcchatel`s, lo0hts rdrhs ht pråaehu"# .

EE !. supplrts n+e`-lr*dtel`s ;

d. Keh`s dssurås 1

e AlRt nh rhal`stetutel` nhs supplrts n+e`-lr*dtel`s `l` e`-lr*dtequhs ;C―dssurhur 'drd`tet chs alts nh rhal`stetutel` lu nh rhjpcdahjh`t nh tlus supplrts n―e`glrjdtel`s `l` e`glrjdtequhs, thcs quh jln$chs, jluchs,

nhsse`s, luteccd'hs spåaedu", drabevhs, geabehrs, jearlgecjs, hta. aljprh`d`t ch alt nh rhal`stetutel` lu nh rhjpcdahjh`t nhs supplrts jdtårehcs htchs grdes nh rhal`stetutel` ht nh rhplrt nh c―e`glrjdtel`.

ee AlRt nh nupceadtel` nhs supplrts n+e`-lr*dtel`s e`-lr*dtequhs ;

C―dssurhur 'drd`tet chs alts nh nupceadtel` lu nh rhjpcdahjh`t nh tlus supplrts e`glrjdtequhs, thcs quh adrths phrglråhs, od`nhs, nesquhs,nesquhtths, tdjolurs htLlu adsshtths jd'`åtequhs, gecjs, ht h` 'å`årdc, tlut supplrt e`glrjdtequh nå0æ plrthur n―e`glrjdtel`s aljprh`d`t ch altnh nupceadtel` lu nh rhjpcdahjh`t nhs supplrts jdtårehcs ht chs grdes nh rhal`stetutel` ht nh rhplrt nh c―e`glrjdtel`.

o.


• (ssehtth nh prejh 1 adpetdc ge"å pdr c―dssurå.

• dregeadtel`1 0usqu―æ 2 jeccel`s nh -( nh adpetdc, ahtth 'drd`teh hst daalrnåh sd`s surprejh. (u5nhcæ, cd tdregeadtel` hst råshrvåh du se$'h.

• E`sårhr cd acdush E.%

EEE.

Hth"sel" / nhs rdes ht )hrth ;EEE !4 Bl`lrderhs n+hxphrts ;

C―dssurhur 'drd`tet ch rhjolurshjh`t nhs bl`lrderhs råhcchjh`t pd+ås pdr chs dssurås du" h"phrts qu―ecs durl`t ceorhjh`t ableses nd`s ch adnrh nhc―h"phrtesh djedoch pråvu h` ads nh se`estrh.




?7

• (ssehtth nh prejh 1 adpetdu" dssurås du tetrh nh cd 'drd`teh nh odsh.

• %htth 'drd`teh hst daalrnåh sd`s surpre*h nd`s cd ce*eth nh =66!66666 Nd.

EEE !. 5rdes nh nåocdes ht nh nå*lcetel`;

C―dssurhur phut 'drd`ter 1

Chs grdes nh nåjlcetel` ht nh nåocdes al`såautegs æ u` åv$`hjh`t 'drd`te d+d`t dtthe`t chs oeh`s dssurås.

Chs grdes h"plsås æ cd sueth nhs jhsurhs al`shrvdtlerhs ejplsåhs pdr nåaesel` dnjeèstrdtevhs dpr$s u` åv$`hjh`t 'drd`te d+d`t dtthe`t chsoeh`s dssurås.


%htth 'drd`teh hst daalrnåh sd`s surpre*h nd`s cd ce*eth nh =1 lu 461 nu *l`td`t nh c+e`nh*ètå pd+åh sd`s quh c―e`nhjètå tltdch !grdes nh nåocdes ht

nh nåjlcetel` eàcus# puessh h"aånhr ch jl`td`t nu adpetdc dssurå sur chs nets oeh`.

EEE!?! Bl`lrderhs nh nåalrdthurs nh ourhdux n+åtunhs ht nh al`trUch tha,èquh ht n+e`/åèhreh ;

C―dssurhur phut 'drd`ter chs bl`lrderhs nh nåalrdthurs, nh ourhdu" n―åtunhs ht nh al`trch thabèquh ht n―e`'åèhreh nl`t c―e`thrvh`tel` shrdet, æ nerhn―h"phrts, `åahssderh æ cd rhal`struatel` lu æ cd råpdrdtel` nhs oeh`s dssurås dtthe`ts pdr u` åv$`hjh`t 'drd`te !chs bl`lrderhs n―drabethaths sl`taljpres nl`t cd 'drd`teh nh odsh, ch rhalurs æ u` drabethath åtd`t loce'dtlerh pdr cd cle#.


%htth 'drd`teh hst daalrnåh sd`s surpre*h nd`s cd ce*eth nh =1 lu 461 nu *l`td`t nh c+e`nh*ètå pd+åh sd`s quh c―e`nhjètå tltdch !*l`lrderhs nhnåalrdthurs, nh ourhdu" n―åtunhs ht nh al`trch thabèquh ht n―e`'åèhreh eàcus# puessh h"aånhr ch jl`td`t nu adpetdc dssurå sur chs nets oeh`.

EEE!! 5rdes nh nåpcdah*h`t ht nh rhcl/h*h`t ;

%htth 'drd`teh rhaluvrh chs grdes nh 'drnh5jhuochs !trd`splrt aljpres#, nh nåpcdahjh`t ht nh råe`stdccdtel` nhs lo0hts 'drd`tes de`se quh 1

• ch suralt rhpråsh`tå pdr cd neggårhàh h`trh ch cl+hr `luvhdu ht ch cl+hr dàeh` puesquh ch cladtderh `l` rhspl`sdoch `―hst pcus thù nh vhrshr

u` cl+hr æ sl` dàeh` prlpreåtderh ht ch cladtderh rhspl`sdoch oå`ågeaehrd nh cd 'drd`teh « 6hrth nh cl+hr . !%ds nh cladtderh#.• ch suralt rhpråsh`tå pdr cd neggårhàh h`trh ch cl+hr quh ch prlpreåtderh hst thù nh pd+hr thjplrderhjh`t ht cd vdchur cladtevh nhs cladu" qu―ec

laaupdet. !%ds nh prlpreåtderh#.


• (ssehtth nh prejh 1 adpetdc ge"å pdr c―dssurå.

• 6rejh 1 >;O nh cd prejh nh cd 'drd`teh nh odsh.

•

Cejeth nh 'drd`teh 1 >2O nhs adpetdu" dssurås.

EEE!=! $hrths sur d*å`d/h*h`t *loecehrs ht e**loecehrs ;



?9

C―dssurhur phut 'drd`ter cd phrth ge`dàe$rh råsuctd`t, plur ch cladtderh lu c―laaupd`t, nhs grdes qu―ec d h`'d'å plur rådceshr chs djå`d'hjh`tsejjloecehrs lu jloecehrs, thcs quh chs e`stdccdtel`s prevdtevhs nh abduggd'h lu nh acejdtesdtel`s, de`se quh tlut rhv<thjh`t nh slc, nh jur ht nh pcdgl`nht que sl`t nhvhùs cd prlpreåtå nu odecchur, n$s clrs quh pdr ch gdet nu seèstrh 1

• Ec + d råsecedtel` nh pche` nrlet nu odec lu ahssdtel` nh c―laaupdtel`.

•

Ju, h` ads nh al`teùdtel` lu nh c―laaupdtel`, rhgus nu prlpreåtderh nh rhal`stetuhr chs djå`d'hjh`ts thcs qu―ecs h"estdeh`t du jljh`t nuseèstrh.


• (ssehtth nh prejh 1 adpetdc ge"å pdr c―dssurå, du jle`s å'dc æ cd vdchur nh rhal`stetutel` nhs djå`d'hjh`ts ejjloecehrs lu jloecehrs rådcesås pdrc―dssurå.

• 6rejh 1 8;O nh cd prejh nh cd 'drd`teh nh odsh.

• Cejeth nh 'drd`teh 1 >;O nu adpetdc dssurå plur chs oGtejh`ts ht chs åquephjh`ts, 2O plur chs jdrabd`neshs.

EEE!3! $hrth n+usd/h nhs cladux ;

C―dssurhur phut 'drd`ter cd phrth n―usd'h rhpråsh`td`t tlut lu pdrteh nh cd vdchur cladtevh nhs cladu" laaupås pdr ch prlpreåtderh h` ads n―ejplsseoecetåplur cue n―uteceshr thjplrderhjh`t tlut lu pdrteh nh shs cladu" dpr$s u` åv$`hjh`t 'drd`te.C―e`nhjètå, cejetåh du adpetdc slusaret pdr c―dssurå, sh adcauch h` glàtel` nu cl+hr d`ùhc nh cd pdrteh nhs cladu" seèstrås ht ch thjps `åahssderh æ nerhn―h"phrts plur chur rhjesh h` åtdt.


• (ssehtth nh prejh 1 adpetdc ge"å pdr c―dssurå, du jeèjuj å'dc æ u`h d``åh nh cl+hr.

• du" 1 tdu" `ht nh cd 'drd`teh nh odsh.

EEE!2! $hrth nh clhr ;

C―dssurhur phut 'drd`ter ch jl`td`t nhs cl+hrs nhs cladtderhs nl`t c―dssurå phut aljjh prlpreåtderh sh trluvhr cå'dchjh`t prevå.C―dssurhur e`nhjèsh cd phrth nhs cl+hrs ph`nd`t ch thjps `åahssderh, æ nerh n―h"phrts, æ cd rhjesh h` åtdt nhs cladu" seèstrås nd`s cd cejeth nu adpetdc

slusaret pdr c―dssurå.%l`netel`s nh 'drd`teh 1

• (ssehtth nh prejh 1 adpetdc ge"å pdr c―dssurå, du jle`s å'dc du cl+hr d`ùhc.


EEE!:! $hrths e`nerhaths ;



?2

( cd sueth n―u` seèstrh råsuctd`t n―u` åvå`hjh`t dssurå, nhs grdes ht phrths phuvh`t rhsthr æ cd abdr'h nh c―dssurå. %hu"5ae phuvh`t <trh aluvhrts pdru`h dssurdàh nhs « phrths e`nerhaths , shcl` c―u`h nhs nhu" plsseoecetås suevd`ths 1

e %drd`teh -lr-detderh sd`s uste-eadte-s ;

C―dssurhur 'drd`tet chs phrths e`nerhaths adusås du oeh`s dssurås du tetrh n―u` åvå`hjh`t 'drd`te jdes slus cd al`netel`s quh c―e`nhjètå nuh du tetrhnh ahtth 'drd`teh hst å'dch du plurah`td'h al`vhù nh c―e`nhjètå vhrsåh sur oGtejh`ts, jdtårehcs ht jdrabd`neshs.


• (ssehtth nh prejh 1 adpetdc ge"å pdr c―dssurå å'dch æ u` plurah`td'h nhs adpetdu" dssurås jdes `―h"aånd`t pds 1

↟ >;O nhs adpetdu" dssurås sur oGtejh`ts ht jdtårehcs, ah jd"ejuj hst rdjh`å æ 2O clrsqu―u`h dssurdàh nhs phrths e`nerhaths hstslusareth al`0le`thjh`t æ ahcch nh cd vdchur æ `hug.

↟ 2O nhs adpetdu" dssurås sur jdrabd`neshs.

↟

%htth cejeth `h phut nåpdsshr 2; Beccel`s -(. (u5nhcæ, prlplshr cd 'drd`teh glrgdetderh sur 0ustegeadtegs ae5dpr$s.

• du" 1 tdu" `ht nh cd 'drd`teh nh odsh jd0lrå nh 82O.

ee %drd`teh sur uste-eadte-s ;

C―dssurhur 'drd`tet chs phrths e`nerhaths adusås du oeh`s dssurås du tetrh n―u` åvå`hjh`t 'drd`te jdes slus cd al`netel`s quh c―e`nhjètå nuh du tetrhnh ahtth 'drd`teh `h shrd vhrsåh qu―du vu nh 0ustegeadtegs !prlnuatel` nh jåjlerh, nhves, gdaturhs, oucchte`s nh sdcderh,?#, ht `h phut h` duau` adsh"aånhr ch plurah`td'h al`vhù nh c―e`nhjètå vhrsåh sur oGtejh`ts, jdtårehcs ht jdrabd`neshs.


• (ssehtth nh prejh 1 adpetdc ge"å pdr c―dssurå å'dch æ u` plurah`td'h nhs adpetdu" dssurås, que phut <trh u`h 'drd`teh nh cd vdchur æ `hug jdes`―h"aånd`t pds >;O. H` duau` ads, ahtth cejeth `h phut h"aånhr >;; Beccel`s -(. (u5nhcæ, ec s―d'erd nh prlplshr u`h plceah phrths n―h"pcletdtel`.


Ahs nhux /drd`tehs `h s+dppcequh`t h` duau` ads dux resquhs nh rhspl`sdoecetås!

E4. Dssurd"!h nh rhs)l"sdoecet# ;



?5

C―dssurå phut 'drd`ter chs al`såquhàhs påauèderhs nh shs rhspl`sdoecetås æ c―å'drn nh alal`trdatd`ts lu nh tehrs råsuctd`t n―åv$`hjh`ts dssurås du tetrhnh cd 'drd`teh nh odsh.Ch tdu" dppceadoch æ cd 'drd`teh n―u`h rhspl`sdoecetå hst nlà å'dc du tdu" `ht lu æ u` plurah`td'h nu tdu" `ht dppceadoch æ cd 'drd`teh nh odsh.Chs 'drd`tehs nh rhspl`sdoecetås sl`t cejetåhs du" nljjd'hs jdtårehcs. %hph`nd`t, plur ahrtde`hs rhspl`sdoecetås, c―dssurå phut lpthr plur u`h h"th`sel`nh 'drd`teh æ nhs nljjd'hs ejjdtårehcs, någeès aljjh tlus nljjd'hs dutrhs quh jdtårehcs lu alrplrhcs que sl`t cd al`såquhàh nh nljjd'hsjdtårehcs dssurås.

EH!4! _hspl`sdoecetå al`trdatuhcch nu prlpreåtderh ht nu cladtderh ;

EH!4!4!_hspl`sdoecetå nu cladtderh 8lu nh c+laaupd`t7 > c+å/drn nu prlpreåtderh ;

Ch cladtderh !lu c―laaupd`t# phut 'drd`ter chs al`såquhàhs påauèderhs nh shs rhspl`sdoecetås æ c―å'drn nu prlpreåtderh nd`s cd jhsurh l hcchsråsucth`t n―åv$`hjh`ts dssurås.

d.

_esquhs cladte-s M ote*h`t C ; %htth 'drd`teh d plur out n―dssurhr cd rhspl`sdoecetå quh ch cladtderh laaupd`t hàlurt æ c―å'drn nu prlpreåtderh plur chs nljjd'hs jdtårehcsdgghatd`t chs oGtejh`ts cluås lu al`geås.


• (ssehtth nh prejh 1 sljjh du jle`s å'dch æ cd vdchur nhs oGtejh`ts cluås !vdchur nh rhal`stetutel`s, bl`lrderhs n―drabethathsaljpres#.

• du" 1 tdux `ht nh cd 'drd`teh nh odsh.

o! _esquhs cladte-s M *dtårehcs ht *loecehrs C 8cladtel` lu arånet9odec7

%htth 'drd`teh d plur out n―dssurhr cd rhspl`sdoecetå quh ch cladtderh laaupd`t hàlurt æ c―å'drn nu prlpreåtderh plur chs nljjd'hs jdtårehcsdgghatd`t ch jdtårehc ht ch jloecehr cluås lu jes æ sd nesplsetel`.


• (ssehtth nh prejh 1 sljjh du jle`s å'dch æ cd vdchur nu jdtårehc ht nu jloecehr cluå

• du" 1 tdux `ht nh cd 'drd`teh nh odsh.

a! $re)dtel` nh luessdàh ;

%htth 'drd`teh phrjht æ u` cladtderh n―dssurhr sd rhspl`sdoecetå æ c―å'drn nh sl` prlpreåtderh, plur ch rhalurs qu―h"hrah ah nhrèhr al`trh cue h`rdesl` nu prå0uneah suoet pdr chs alcladtderhs `l` rhspl`sdochs.


• (ssehtth nh prejh 1 adpetdc ge"å pdr c―dssurå

• du" 1 .=1 nu tdux `ht nh cd 'drd`teh nh odsh.

n! $hrths nhs clhrs ;



16

%htth 'drd`teh phrjht æ u` cladtderh rhspl`sdoch nh rhjolurshr æ sl` prlpreåtderh `l` shuchjh`t sl` prlprh cl+hr jdes å'dchjh`t ahcue nh tluschs dutrhs alcladtderhs `l` rhspl`sdochs, nl`t ch prlpreåtderh sh vhrrdet prevå clrs n―u` seèstrh.



•

du" 1 tdux `ht nh cd 'drd`teh nh odsh.

EH!4!.!_hspl`sdoecetå nu prlpreåtderh > c+å/drn nu cladtderh;

Ch prlpreåtderh phut 'drd`ter chs al`såquhàhs påauèderhs nh shs rhspl`sdoecetås æ c―å'drn nu cladtderh nd`s cd jhsurh l hcch råsucthn―åv$`hjh`ts dssurås.

d! _halurs nhs cladtderhs ;

6dr ahtth 'drd`teh, ch prlpreåtderh dssurh cd rhspl`sdoecetå qu―ec hàlurt æ c―å'drn nhs cladtderhs plur chs nljjd'hs jdtårehcs råsuctd`t n―u`åv$`hjh`t 'drd`te adusås æ churs oeh`s sueth æ u` veah nh al`struatel` lu æ u` någdut n―h`trhteh` nh c―ejjhuoch.




o! $re)dtel` nh luessdàh ;

%htth 'drd`teh aluvrh cd rhspl`sdoecetå quh c―dssurå phut aljjh prlpreåtderh hàlurer plur ch trluoch nh 0luessdàh al`såauteg æ nhs nljjd'hsjdtårehcs adusås æ u` lu pcusehurs alcladtderhs.




EH!4!?!Nesplsetel`s al*pcå*h`tderhs;

d! _h`làedtel` pdr ch prlpreåtderh du rhalurs al`trh ch cladtderh ;

Clrsquh ch prlpreåtderh rh`làh æ h"hrahr u` rhalurs al`trh ch cladtderh lu c―laaupd`t nl`t cd rhspl`sdoecetå plurrdet sh trluvhr h`'d'åh nd`s cdrådcesdtel` nh nljjd'hs jdtårehcs, nh grdes lu nh phrths 'drd`tes pdr ch prlpreåtderh, ec nlet h` e`glrjhr sl` dssurhur. %hcue5ae prh`n dath nh ahtthrh`làedtel` æ rhalurs nd`s ch al`trdt !e`sårhr cd acdush E!N7 ht rh`làh cue5j<jh æ c―h"hraeah nu rhalurs h` td`t quh suorl'å nd`s ch nrlet nuprlpreåtderh al`trh ch cladtderh ht shs ;dssurhurs.%htth 'drd`teh hst daalrnåh jl+h``d`t u`h pre*h å/dch > 4=1 nhs pre*hs `htths phrOuhs. %hcch5ae phut <trh daalrnåh 'rdtuethjh`t slus råshrvh

qu―hcch slet e`sareth du odec h` gdvhur n―u`h slaeåtå nh aljjhrah lu n―u` 'rluphjh`t n―e`tår<t åal`ljequh nl`t ch prlpreåtderh h` gdet pdrteh.

o! _h`làedtel` pdr ch cladtderh du rhalurs al`trh ch prlpreåtderh;



14

Clrsquh ch cladtderh rh`làh æ h"hrahr u` rhalurs al`trh ch prlpreåtderh nl`t cd rhspl`sdoecetå plurrdet sh trluvhr h`'d'åh nd`s cd rådcesdtel` nhnljjd'hs jdtårehcs, nh grdes lu nh phrths 'drd`tes pdr ch cladtderh, ec nlet h` e`glrjhr sl` dssurhur. %hcue5ae prh`n dath nh ahtth rh`làedtel` ærhalurs nd`s ch al`trdt !e`sårhr cd acdush EE!N7 ht rh`làh cue5j<jh æ c―h"hraeah nu rhalurs h` td`t quh suorl'å nd`s ch nrlet nu cladtderh al`trh chprlpreåtderh ht shs dssurhurs.

%htth 'drd`teh hst daalrnåh jl+h``d`t u`h pre*h å/dch > 4=1 nhs pre*hs `htths phrOuhs.

a! ssurdàh al`trdatåh pdr ch cladtderh plur ch al*pth nu prlpreåtderh 8dssurdàh plur al*pth al**u`7 ;

Clrsqu―u` cladtderh dssurh ch oGtejh`t qu―ec laauph plur ch aljpth nu prlpreåtderh, ec `―hst pds nh ah gdet rhchvå nh cd rhspl`sdoecetå qu―ec hàlurt æc―å'drn nh ah nhrèhr, ec nlet nlà nd`s ah ads 1

- (ssurhr chs oGtejh`ts

-

)h gderh rhchvhr, pdr u`h acdush ge'urd`t nd`s ch odec, nh sd rhspl`sdoecetå nh cladtderh.E`glrjhr nh ahtth rh`làedtel` æ rhalurs, c―dssurhur nu cladtderh h` prh`n dath nd`s ch al`trdt !e`sårhr cd acdush EEE!N7 ht rh`làh cue5j<jh æh"hraeah nu rhalurs h` td`t quh suorl'å nd`s chs nrlets nu cladtderh.

%htth 'drd`teh hst daalrnåh jl+h``d`t u`h prejh å'dch > 4=1 nhs pre*hs `htths phrOuhs h` åabd`'h nhs 'drd`tehs slusareths pdr ch cladtderhgdesd`t c―lo0ht nh cd rh`làedtel` æ rhalurs.

n! #etudtel` nu slus9cladtderh ;

X` slus cladtderh hàlurt chs j<jhs rhspl`sdoecetås qu―u` cladtderh preàepdc ves5æ5ves nu prlpreåtderh. Cd rh`làedtel` pdr ch prlpreåtderh durhalurs al`trh ch cladtderh preàepdc `―h"l`$rh pds chs slus cladtderhs.

EH!.! utrhs rhspl`sdoecetås ;

EH!.!4! _hspl`sdoecetå > c+å/drn nhs )lese`s ht nhs tehrs ;

C―dssurhur phut 'drd`ter cd rhspl`sdoecetå quh c―dssurå phut hàlurer æ c―å'drn nhs vlese`s ht nhs tehrs plur chs nljjd'hs jdtårehcs råsuctd`t n―u`åv$`hjh`t 'drd`te survhù nd`s chs oeh`s lo0hts nu al`trdt ht nl`t c―dssurå hst prlpreåtderh, cladtderh lu 'drneh`.



• du" 1 ;.;2!

EH!.!.! _hspl`sdoecetå nu s`neadt nhs alprlpreåtderhs > c+å/drn nhs alprlpreåtderhs ;



1?

C―dssurhur phut 'drd`ter cd rhspl`sdoecetå nu s+`neadt nhs alprlpreåtderhs, h` rdesl` nhs nljjd'hs jdtårehcs suoes pdr chs alprlpreåtderhs, æ cdsueth n―u` eàh`neh prlvh`d`t n―u` veah nh al`struatel` lu n―u` någdut n―h`trhteh` nhs pdrtehs aljju`hs.



•

du" 1 ;.;2W.

_h`làedtel` pdr u` alprlpreåtderh du rhalurs al`trh ch s`neadt nhs alprlpreåtderhs ;

Clrsqu―u` alprlpreåtderh rh`làh æ h"hrahr u` rhalurs al`trh ch s+`neadt nh alprlpreåtderhs nl`t cd rhspl`sdoecetå plurrdet sh trluvhr h`'d'åhnd`s cd rådcesdtel` nh nljjd'hs jdtårehcs, nh grdes lu nh phrths 'drd`tes pdr ch alprlpreåtderh, ec nlet h` e`glrjhr sl` dssurhur. %hcue5ae prh`n dathnh ahtth rh`làedtel` æ rhalurs nd`s ch al`trdt e`sårhr cd acdush EH!N ht rh`làh cue5j<jh æ c―h"hraeah nu rhalurs h` td`t quh suorl'å nd`s chs

nrlets nu alprlpreåtderh.%l`netel`s nh 'drd`teh 1

• (ssehtth nh prejh 1 adpetdu" dssurås pdr ch alprlpreåtderh sur ch jloecehr ht chs jdrabd`neshs.

• du" 1 ;.;=W.

EH!.!?! _hspl`sdoecetå nu /ård`t ;

Ch /ård`t ceorh n―u` gl`ns nh aljjhrah hàlurt chs j<jhs rhspl`sdoecetås qu―u` cladtderh ves5æ5ves nu prlpreåtderh nhs jrs. Ec nlet nlà slusarerh

chs j<jhs 'drd`tehs nh rhspl`sdoecetå qu―u` cladtderh lrne`derh.ud`t du /ård`t sdcdrehr, ec `―hàlurt pds ahs rhspl`sdoecetås puesqu―ec hst al`senårå aljjh u` hjpcl+å nu prlpreåtderh nu gl`ns, shuc rhspl`sdochnd`s ah ads ves5æ5ves nu prlpreåtderh nhs jrs.

EH!.!! _hspl`sdoecetå nu nåplsetderh > c+å/drn nu nåplsd`t ;

C―dssurhur phut 'drd`ter cd rhspl`sdoecetå nh c―dssurå, h` sd qudcetå nh nåplsetderh nh jloecehr, nh jdtårehc, nh jdrabd`nesh, phut hàlurer æ c―å'drnnhs prlpreåtderhs nh ahs oeh`s.


• (ssehtth nh prejh 1 vdchur nhs oeh`s nl`t c―dssurå hst nåplsetderh.

• du" 1 tdux `ht dppceadoch du al`thù.

_h`làedtel` pdr ch nåplsd`t du rhalurs al`trh ch nåplsetderh ;

Clrsq h ch nåplsd`t rh`làh æ rhal rer al`trh ch nåplsetderh nl`t cd rhspl`sdoecetå pl rrdet sh trl hr h`'d'hr nd`s cd rådcesdtel` nhs nljjd'hs



11

Clrsquh ch nåplsd`t rh`làh æ rhalurer al`trh ch nåplsetderh nl`t cd rhspl`sdoecetå plurrdet sh trluvhr h`'d'hr nd`s cd rådcesdtel` nhs nljjd'hsjdtårehcs, nh grdes lu nh phrths 'drd`tes pdr ch nåplsd`t, ec nlet h` e`glrjhr sl` dssurhur. %hcue5ae prh`n dath nh ahtth rh`làedtel` æ rhalurs nd`s chal`trdt e`sårhr cd acdush H!N ht rh`làh cue5j<jh æ c―h"hraeah nu rhalurs h` td`t quh suorl'å nd`s chs nrlets nh c―dssurå.

%htth 'drd`teh hst daalrnåh jl+h``d`t u`h prejh å'dch æ =1 nhs pre*hs `htths phrOuhs h` åabd`'h nhs 'drd`tehs slusareths pdr ch nåplsd`t

gdesd`t c―lo0ht nh cd rh`làedtel` æ rhalurs.

EH!.!=! ssurdàh plur al*pth nh que ec dppdrteh`nrd ;

C―dssurå phut 'drd`ter plur aljpth nh que ec dppdrteh`nrd chs oGtejh`ts, ch jloecehr phrsl``hc, ch jdtårehc, chs jdrabd`neshs lu chs våbeauchs nl`t echst nåplsetderh.


• (ssehtth nh prejh 1 vdchur nhs oeh`s nl`t c―dssurå hst nåth`thur lu nåplsetderh.

•

du" 1 tdux `ht dppceadoch du oGtejh`t lu ch al`thù.

EH!.!3! "xth`sel` nhs /drd`tehs nh rhspl`sdoecetå dux nl**d/hs e**dtårehcs ;

%bdau`h nhs 'drd`tehs nh rhspl`sdoecetå suevd`ths phut <trh åth`nuh du" nljjd'hs ejjdtårehcs que sl`t cd al`såquhàh nerhath ht ejjånedthnhs nljjd'hs jdtårehcs dssurås 1

_hspl`sdoecetå nhs cladtderhs æ c―å'drn nu prlpreåtderh plur trluoch nh 0luessdàh.

_hspl`sdoecetå nu prlpreåtderh æ c―å'drn nu cladtderh !plur rhalurs nu cladtderh ht trluoch nh 0luessdàh#.

_hspl`sdoecetå æ c―å'drn nhs tehrs. _hspl`sdoecetå nu nåplsetderh lu nu nåth`thur.


• (ssehtth nh prejh 1 adpetdc ge"å pdr c―dssurå plur abdquh h"th`sel` nh 'drd`teh.

• du" 1 ch j<jh tdu" `ht quh ahcue dppcequå æ cd 'drd`teh nh rhspl`sdoecetå que gdet c―lo0ht nh c―h"th`sel` du" nljjd'hs ejjdtårehcs.

&+latrle nh ahtth /drd`teh hst streath*h`t råshr)å du Al*etå nh slusareptel`!

#hatel` ; JLN&E^"# N+##X_@A"# $_ÊAX&E"_"#



1>

E. Dssurd"!h h" ,dchur / "hu ;

H` ads n―eàh`neh, c―dssurå hst susahpteoch nh supplrthr u`h phrth alrrhspl`nd`t æ cd nåpråaedtel` nh vdchur adusåh pdr c―usd'h lu ch thjps du" oeh`sjloecehrs lu ejjloecehrs. %htth nåpråaedtel` gdet c―lo0ht nh c―dssurdàh h` « vdchur æ `hug . C―dssurå phut 'drd`ter, du" al`netel`s nh « cd al`vh`tel`

n―dssurdàh h` vdchur æ `hug , chs oGtejh`ts lu chs resquhs cladtegs, ch jloecehr phrsl``hc ht ch jdtårehc h` vdchur æ `hug du 0lur nu seèstrh !aIhst5æ5nerhsd`s nånuatel` nh cd nåpråaedtel`#.&d pre*h hst adcaucåh > pdrter nu adpetdc dssurå rhpråsh`td`t cd )dchur datuhcch nhs oeh`s dssurås!

Ec hst æ `lthr quh 1

• )hucs chs oeh`s du"quhcs phut <trh dppcequå u` alhggeaeh`t nh våtustå e`gårehur æ 82O shrl`t e`tå'rdchjh`t e`nhjèsås h` vdchur æ `hug. -d`s chads al`trderh, ahtth e`nhjètå hst cejetåh æ cd vdchur n―usd'h !vdchur nh rhal`stetutel` lu nh rhjpcdahjh`t, åvdcuåh du 0lur nu seèstrhnånuatel` gdeth nh cd nåpråaedtel`# *dlråh nu qudrt nh cd vdchur æ `hug.

•

-d`s ch ads l cd vdchur n―usd'h hst supårehurh æ cd vdchur åal`ljequh8, c―e`nhjètå shrd ge"åh æ ahtth )dchur åal`l*equh.

• Chs nljjd'hs e`thr`hs du" dppdrhecs, jdabe`hs, jlthurs åchatrequhs lu åchatrlèquhs ht churs daahsslerhs, de`se qu―du" ad`dcesdtel`såchatrequhs sl`t hxacus nh ahtth /drd`teh!

• #l`t å/dch*h`t hxacus chs nljjd'hs laadsel``ås pdr ch vh`t, cd 'r<ch lu cd `he'h sur chs tleturhs.

EE. Dssurd"!hs thj)lrderhs;

Clrsquh cd nuråh nu al`trdt hst e`gårehurh æ u`h d``åh, cd tdregeadtel` `―hst pds prlplrtel``hcch æ ahtth nuråh.

EE!4! ssurdàh n+u`h nuråh e`-årehurh lu å/dch > 36 lurs al`såaute-s ;

Ec shrd phr4u u`h prejh alrrhspl`nd`t du prlrdtd thjplres > u`h nuråh å/dch > ? -les cd nuråh nh*d`nåh pcus 46lurs , sd`s quh cd nuråh de`se adcaucåhh"a$nh >8; 0lurs

? Ec s―diet nh cd vdchur (ads n―u` shuc oïtejh`t) lu nh cd grdatel` nh cd vdchur (ads nh pcusehurs oïtejh`ts) nh vh`th nu oïtejh`t h`nljjdiå, duijh`tåh nhs grdes nh nåocde ht nh nåjlcetel`

nejeùåh nh cd vdchur nu thrrde` ù

Vrejh d`ùhcch x (nuråhs h` klurs x 1 + 46)

178V :

EE!.! ssurdàh n+u`h nuråh supårehurh > 36 lurs al`såaute-s ;

Cd prejh æ phrahvler alrrhspl`nd`t æ cd nuråh nhjd`nåh drrl`neh du jles supårehur ht hst jd0lråh nh 8 jles hst adcaucåh aljjh suet 1



18

Cd prejh æ phrahvler, alrrhspl`nd`t æ cd nuråh nhjd`nåh drrl`neh du jles supårehur ht hst jd0lråh nh 8 jles, hst adcaucåh aljjh suet 1

Cd nuråh h` jles `h phut h"aånhr 0 *les. (u5nhcæ, cd prejh nhveh`t d`ùhcch.

EEE. ?drd"teh nhs jdr!+d"neshs h" dssurd"!h r#,esdoch lu h" !lj)th !lurd"t ;

)e chs stlaVs vdreh`t ohdualup h` alurs n―d``åh, ec hst prågårdoch nh ableser u`h glrjuch n―dssurdàh slupch, dndptdoch æ churs gcuatudtel`s. Ec h` h"esth nhspåaegequhs, thcchs quh chs dssurdàhs råvesdochs lu h` aljpth alurd`t. %hs nhu" glrjuchs ejplsh`t nh ge"hr u` pcdgl`n al`trdatuhc nh 'drd`teh quealrrhspl`n du èvhdu jd"ejdc pråveseoch nhs stlaVs nh c―d``åh. X`h altesdtel` prlvesel``hcch hst adcaucåh sur ahtth odsh.

EEE!4! ssurdàh rå)esdoch ;

Hcch phrjht n―hgghatuhr u`h shuch nåacdrdtel` pdr jles æ ndths ge"hs. ( cd ge` nh c―h"hraeah, c―dssurhur prla$nh æ u`h rå'ucdresdtel` nh cd prejh æ pdrternhs nåacdrdtel`s jh`suhcchs nhs stlaVs. Ec rhjolursh dclrs cd neggårhàh h`trh cd altesdtel` prlvesel``hcch ht cd altesdtel` någeètevh 8ch rh*olursh*h`t`+hxaânh pds =6 1 nh cd altesdtel` prl)esel``hcch7!

EEE!.! ssurdàh h` al*pth alurd`t ;

%htth 'drd`teh hst al`sh`teh plur chs resquhs e`nustrehcs ht aljjhraedu" slujes du al`trch nh cd nlud`h, æ c―h"ahptel` nhs jd'dse`s d'råås pdr c―Htdtaljjh jd'dse`s 'å`årdu". Hcch h"e'h cd thùh n―u` rh'estrh 0lur`dcehr spåaegequh. Cd rå'ucdresdtel` h` ge` n―d``åh `h phut nl``hr cehu æ u`rhjolurshjh`t supårehur æ 2= 1 nh cd altesdtel` prl)esel``hcch.

Nd`s chs nhux -lr*uchs n+dssurdàh cd pre*h prl)esel``hcch hst adcaucåh h` *uctepced`t ch pcd-l`n pdr chs tdux alrrhspl`nd`t > ah pcd-l`ndppceadochs dux /drd`tehs nhs *dra,d`neshs al`trh chs nl**d/hs råsuctd`t n+å)â`h*h`ts dssurås !'drd`teh nh odsh, thjp<th, 'r<ch ht `he'h sur chs

tleturhs, ?# *dlrås nh 461!

( c―åabådàh nu al`trdt, cd prejh hgghatevhjh`t nuh hst adcaucåh h` glàtel` nhs nåacdrdtel`s nh c―dssurå que s―h`'d'h æ gderh al``d&trh æ c―dssurhur cdvdchur h"dath nhs jdrabd`neshs h"estd`t nd`s sl` åtdocesshjh`t. Cd r$'ch prlplrtel``hcch hst dppceadoch clrsquh cd vdchur nhs jdrabd`neshs, du 0lur nuseèstrh, hst supårehurh du pcdgl`n nåacdrå.

4?V :Vrejh d`ùhcch x (nuråh h` jles + ?)

4?



19

A&X#E"_

! &h a,du--d/h ;

E. A+duneârh / !ljousteoch ;



12

E. A+duneârh / !ljousteoch ;

Ch abduggd'h nh ??????hst dssurå pdr u`h e`stdccdtel` nh abduggd'h æ aljousteoch, e`stdccåh nd`s ch oGtejh`t abduggå, oGtejh`t rh`ghrjd`t chsdppdrhecs abduggås.Cd abdune$rh hst h`tluråh n―u`h jde` alurd`th ht n―u` 'reccd'h æ jdecchs shrråhs, th`nu h`trh cd jde` alurd`th ht ch slc, e`thrnesd`t c―dpprlabh nh tluth

jdte$rh aljousteoch. Hcch hst h`tluråh n―u`h jurhtth Z pcdaåh æ u` èvhdu e`gårehurh du pcdàbhr dge` n―åvethr quh ch aljousteoch puessh sh råpd`nrh nd`sch oGtejh`t.Chs 'd: nh aljoustel` sl`t åvdauås æ c―der ceorh du jl+h` n―u` al`nuet h` jdtåredu eàljousteoch, åcle'`å nh tluth jdte$rh eàljousteoch.X`h vd``h dutljdtequh dssurh cd alupurh nh c―dcejh`tdtel` nhs orchurs h` ads n―h"teàtel` daaenh`thcch nh cd gcdjjh.C―e`stdccdtel` hst jde`thùh h` pdrgdet åtdt n―h`trhteh`.

EE. A+dudih / der !+dun )ucs# e"nerh!t ;

Ch abduggd'h nh ????hst dssurå pdr nhs 'å`årdthurs n―der abdun pucså orcd`t nu 'd:, e`stdccå nd`s ch oGtejh`t abduggå lu rh`ghrjd`t chs dppdrhecsabduggås.Chs 'å`årdthurs sl`t h`tlurås n―u`h jde` alurd`th ht n―u` 'reccd'h æ jdecchs shrråhs, th`nu h`trh cd jde` alurd`th ht ch slc, e`thrnesd`t c―dpprlabh nhtluth jdte$rh aljousteoch. Hcch hst h`tluråh n―u`h jurhtth Z pcdaåh æ u` èvhdu e`gårehurh du pcdàbhr dge` n―åvethr quh ch aljousteoch puessh shråpd`nrh nd`s ch oGtejh`t.Chs 'd: nh aljoustel` sl`t åvdauås æ c―der ceorh du jl+h` n―u` al`nuet h` jdtåredu eàljousteoch, åcle'`å nh tluth jdte$rh eàljousteoch Chs al`nuets nh nestreoutel` n―der abdun sl`t h` ?????. !6råaeshr chs jdtåredu"#.

Chur adclregu'hd'h hst rådceså du jl+h` nh jdtåredu" eàljousteoch.(uau`h jdte$rh aljousteoch, qu―ec s―d'essh nh jdrabd`neshs lu n―djå`d'hjh`ts nhs oGtejh`ts, `h sh trluvh, nh jdè$rh nurdoch, nerhathjh`t h"plsåhdu gcu" n―der abdun.C―der æ abdugghr hst pråchvå æ c―h"tårehur nhs oGtejh`ts susahpteochs nh al`thèr nhs vdphurs lu nh 'd: e`gcdjjdochs.-hs nesplsetegs dutljdtequhs rdch`tessh`t ch abduggd'h ht du ohsle` ch susph`nh`t aljpc$thjh`t h` ads n―åcåvdtel` d`lrjdch nh cd thjpårdturh nh c―derabdun pucså ht h` ads n―drr<t nh cd aeraucdtel` nh c―der æ abdugghr.X`h vd``h dutljdtequh dssurh cd alupurh nh c―dcejh`tdtel` nhs orchurs h` ads n―h"teàtel` daaenh`thcch nh cd gcdjjh.C―e`stdccdtel` hst jde`thùh h` pdrgdet åtdt n―h`trhteh`.

EEE. A+dudih / der !+dun )ucs# nerh!t ;Ch abduggd'h nh ??????hst dssurå pdr u`h e`stdccdtel` nh abduggd'h nerhat æ der abdun pucså.



15

Ch abduggd'h nh ??????hst dssurå pdr u`h e`stdccdtel` nh abduggd'h nerhat æ der abdun pucså.lut jdtåredu aljousteoch uteceså nd`s cd al`struatel` lu chs djå`d'hjh`ts nhs cladu" nlet sh trluvhr æ pcus nh 7j nhs dppdrhecs nh prlnuatel` nhabdchur.H`trh tluth jdrabd`nesh ht abdquh dppdrhec nh prlnuatel` nh abdchur sl`t jå`d'ås nhs hspdahs ceorhs supårehurs æ 1

R7j, se ch èvhdu supårehur nhs jdrabd`neshs hst du pcus 2; aj du 5nhsslus nu èvhdu e`gårehur nh c―dppdrhec.R8j, nd`s tlus chs dutrhs ads.

(uau`h jdte$rh aljousteoch, qu―ec s―d'essh nh jdrabd`neshs lu n―djå`d'hjh`ts nhs oGtejh`ts, `h sh trluvh, nh jdè$rh nurdoch, nerhathjh`t h"plsåhdu gcu" n―der abdun.C―der æ abdugghr hst pråchvå æ c―h"tårehur nhs oGtejh`ts susahpteoch nh al`thèr nhs vdphurs lu nhs 'd: e`gcdjjdochs.-hs nesplsetegs dutljdtequhs rdch`tessh`t ch abduggd'h ht du ohsle` ch susph`nh`t aljpc$thjh`t h` ads n―åcåvdtel` d`lrjdch nh cd thjpårdturh nh c―derabdun pucså ht hàds n―drr<t nh cd aeraucdtel` nh c―der æ abdugghr.

X`h vd``h dutljdtequh dssurh cd alupurh nh c―dcejh`tdtel` nhs orchurs h` ads n―h"teàtel` daaenh`thcch nh cd gcdjjh.C―e`stdccdtel` hst jde`thùh h` pdrgdet åtdt n―h`trhteh`.

E4. A+dudih !h"trdces# s1stâjh der>der ;

Ch abduggd'h nh ??????.hst dssurå pdr u`h e`stdccdtel` nh abduggd'h ah`trdceså s+st$jh derLder.C―der æ abdugghr hst gectrå pdr æ sl` dnjessel` nd`s c―daaujucdthur Z nh pcus, aht der hst pråchvå æ c―h"tårehur nhs oGtejh`ts nl`t c―dtjlspb$rh e`tårehurh hstsusahpteoch nh al`thèr nhs vdphurs lu 'd: e`gcdjjdochs. chs al`nuets nh nestreoutel` n―der abdun sl`t h` ??????..!6råaeshr chs jdtåredu"#.

Chur adclregu'hd'h hst rådceså du jl+h` nh jdtåredu" eàljousteoch.(uau`h jdte$rh aljousteoch, qu―ec s―d'essh nh jdrabd`neshs lu n―djå`d'hjh`ts nhs oGtejh`ts, `h sh trluvh, nh jdè$rh nurdoch, nerhathjh`t h"plsåhdu gcu" n―der abdun.-hs nesplsetegs dutljdtequhs rdch`tessh`t ch abduggd'h ht du ohsle` ch susph`nh`t aljpc$thjh`t h` ads n―åcåvdtel` d`lrjdch nh cd thjpårdturh nh c―derabdun pucså ht h` ads n―drr<t nh cd aeraucdtel` nh c―der æ abdugghr.C―e`stdccdtel` hst jde`thùh h` pdrgdet åtdt n―h`trhteh`.



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