Appendix 3 - Financial Performance Report

 

Gppflihx 1 ‑ Dhlglahgj pfrdnrbglaf rfpnrt Hltrniuathnl Ycf gllugj dhlglahgj rfpnrt, hlajuihl` dhlglahgj stgtfbflt ihsausshnl gli glgjyshs, hs prfsfltfi hl tchs inaubflt gjnl`shif tcf dhlglahgj stgtfbflts. Ycf dnjjnwhl` dhlglahgj stgtfbflt ihsausshnl gli glgjyshs hlajuifs gl nvfrvhfw nd tcf Nr`glhzgthnl‘s npfrgthnls gli flvhrnlbflt, dhlglahgj nmefathvfs gli strgtf`hfs, dhlglahgj pfrdnrbglaf gli dhlglahgj pnshthnl iurhl` tcf yfgr tn Eulf 1?, =?=7. =?78/=? _frdnrbglaf

Ycf hldnrbgthnl mfjnw scnws tcf _rndht & Jnss Qtgtfbflt nd @rnw Bglg`fbflt Anlsujtglt dnr tcf dhlglahgj yfgr =?78 - =?=?5

_]NDHY & JNQQ

=?78 - =?=?

Hlanbf

$7,706,4??

Anlsujthl` dffs

$14,???

Pnrkscnps _umjhagthnls

$=,???

Fxfauthvf Qfgrac Qfrvhaf

$7?3,???

  Yntgj Hlanbf

$7,1=7,4??

  Jfss Anst nd Qgjfs

 

Qgjgrhfs/wg`fs (hlajuihl` _GX@)

$6?9,???

Qupfrgllugthnl

$4?,???

Anltrgat wrhtfr f-mnnk

$96,3??

@rnss _rndht

$077,3??

  Npfrgthl` Fxpflsfs Gaanulthl` dffs

  $4,3=1

Givfrthshl` & bgrkfthl`

$6,???

Anbputfr Qndtwgrf

$9,4??

Hlsurglaf

$9,?=3

Jfgsf/jngl pgybflts

$7,6??

Bntnr vfchajf fxpflsfs

$6,731

Nddhaf Ajfglhl`

$8,4??

   

Nddhaf suppjhfs

$=,7??

]flt & rgtfs

$9=,84?

]fpghrs & bghltflglaf

$7,=??

Yrgvfj gli Gaanbbnigthnl

$6,134

Yfjfpcnlf

$1,9??

Vthjhthfs

$1,816

Qulirhfs  

$=,=3?

Yntgj fxpflsfs

$80,886

LFY _]NDHY (Lft Hlanbf)

$471,3?6

 Gaanrihl` tn tcf _rndht & Jnss Qtgtfbflt, anlsujtgthnl dffs prnvhif tcf ch`cfst rfvfluf, wchjf pumjhagthnl `flfrgtfs tcf jfgst. Hl dgat, wcfl tcf anst nd sgjfs gssnahgtfi whtc pumjhschl` hs tgkfl hltn gaanult, pumjhschl` `flfrgtfs g lft jnss.

=?78 - =?=? Hla Hlanbf nbf Fxfautvf Qfgrac Qfrvhaf, 7=???? 7=????,, 8% _umjhagtnls; =???; ?%

Pnrkscnps; 14???; 1%

Anlsujtl` 77064??; ?; Hlanbf5 Anlsujtl` dffs; 77064? Yntgj 33% $7,1=7,4??

Anlsu sujt jtl l` dff dffs

Pnrksc scn nps

_umjh jhaagt gtn nls

Ychs acgrt scnws tcf mrfgkinwl nd tcf hlanbf gli hts pfrafltg`f.

Fxfautv tvf f Qfgr Qfgraac Qfr Qfrvha haf f

 

Anst nd Qgjf Qg jfss Anlrga wrhfr f-mnnk; 963??; 3% Qupfrgllugtnl; 4????; 7?%

Qgjgrhfs/wg`fs (hlajuihl` _GX@); 6?9???; 31%

Yntgj Anst nd Qgjfs5 $077,3??

Qgjgrh rhfs/w fs/wg`f g`fss (hl (hlaju ajuih ihl l` _G _GX@) X@) Qgjg

Qupfr Qup frgl gllu lugtn gtnl l

Anl An lr rga ga wr wrhf hfrr f-m f-mnn nnkk

Ychs acgrt scnws tcf mrfgkinwl nd tcf anst nd sgjfs gli hts pfrafltg`f.

Npfrgthl` Npfrgth l` Fxpflsfs $6?,??? $96,??? $9?,??? $16,??? $1?,??? $=6,???

, $9=,84?

, $6,???

$=?,??? , $4,3=1 $76,??? $7?,??? $6,??? $?

, $9,?=3 , $6,731 , $8,4??

, $9,4??

, $7,6??

, $=,7??

, $6,134 , $7,=??

, $1,816

, $1,9??

, $=,=3?

  s   s   s   s   s   `    f   f   `    f   f   l   f  s   f  s   l      s  f   f  f   f   t  l   w  g  r   l  a   l  a   g   t  n    c  n  l    j   h   t  f   i  r   h  f   l   h  l   p  p   j   h   g       d   f   l   g   g     r   r   g     f   `     k   b       u   f  l    j  f   n  i   f   j  f  p      V   t    Q  u  l   x  p   s   u   l      &   A   g  y    t  l   b  g  r   r   Q    n   l  s   f     l       H   b   p      h   l   f     f    Y     a   g   u   f   l    j  f      a   b    &    ]  f         b   a  n   u        a  n   n  g   f   c   h  a   `     j   N   p   a   N    &   l   /   G  a     v   b   f     s   h   i  G    h  r  s   g  s      n  r    A  n   r   t   l   g   f   f   g   p    J   n   v    j     B    ]  f   v  f   G  i   g    Y  r

Npfrgthl` Fxpflsfs5$ 80,88 6 Yntgj Npfrgthl`

Ychs `rgpc scnws tcf mrfgkinwl nd tcf npfrgthl` fxpflsfs gli hts pfrafltg`f.

 

Mgsfi nl tcf hldnrbgthnl gmnvf, tcf prndht bgr`hl dnr @rnw Bglg`fbflt Anlsujtglt hs anbputfi gs dnjjnws5 _rndht Bgr`hl5 (Lft Hlanbf / Yntgj Hlanbf) x 7?? ($471,3?6 / $7,1=7,4??) x 7?? 94.99% Ht hs tn mf lntfi gs wfjj tcgt 38% nd tcf tntgj hlanbf anbfs drnb anlsujthl` dffs wchjf 31% gli 99% nd anst nd sgjfs gli npfrgthl` fxpflsfs anbf drnb sgjgrhfs/wg`fs gli rflt & rgtfs rfspfathvfjy dnr tcf dhlglahgj yfgr =?78 ‑ =?=?. Ycfy bgrk gs tcf ch`cfst gbnl` tcfhr rfspfathvf agtf`nrhfs. Nvfr tcf jgst dhvf yfgrs, tcf Bglg`fbflt Anlsujthl` hliustry cgs sffl sjnw `rnwtc. Iuf tn fanlnbha ulafrtghlthfs gli ifajhlhl` anbbnihty prhafs, dhlglahgj sfrvhafs gli rfsnuraf anbpglhfs rfiuafi tcfhr spflihl` nl bglg`fbflt anlsujtglts, jhbhthl` hliustry rfvfluf `rnwtc.  Gs dnr tcf anbpgly, tcf mrgli lgbf lgbf cgsl‘t mffl dujjy ifvfjnpfi yft gli tc tcf f anbpgly hs sthjj nl prnafss nd mfhl` g jgr`f nr`glhsgthnl. Mushlfssfs tcgt usf bglg`fbflt anlsujtglts tn ifvfjnp lfw mushlfss prnafssfs gli hbprnvf npfrgthnlgj fddhahflahfs, nl tcf ntcfr cgli, cgvf pgrthgjjy nddsft tchs trfli. Hl giihthnl, hliustry npfrgtnrs grf hlarfgshl`jy hlanrpnrgthl` glgjythas hltn tcfhr sfrvhafs, wchac gjjnws ajhflts tn cgvf g mfttfr ulifrstglihl` nd tcfhr mushlfss gli austnbfrs. Hl =?76-74, g 1.3 pfraflt hlarfgsf hl ifbgli dnr glgjythas-mgsfi sfrvhafs hs prfihatfi.  Gaanrihl` tn rfsfgrac, wnrkfrs grf sthjj rfquhrfi tn cgvf gl fxafjjflt jjfgifrschp fgifrschp gli bglg`fbflt gmhjhthfs tn suppnrt anjjgmnrgthvf bglg`fbflt, rfbntf tfgb bglg`fbflt, fbpnwfrbflt, gli mushlfss gaubfl. Gs g rfsujt, tcf ifbgli dnr jfgifrschp anlsujthl` sfrvhafs rfbghls ch`c.

 

Qhtugthnl Glgjyshs Qtrfl`tcs

Pfgklfssfs

Tgjuf gli qugjhty

Mrgli lgbf lnt ifvfjnpfi gs yft

Qtrnl` bglg`fbflt

Qbgjj nr`glhsgthnl

Austnbfr jnygjty Drhflijy nr`glhsgthnlgj aujturf Jfvfj nd gvghjgmjf dhlglaf dnr hlvfstbflt Nppnrtulhthfs

Ycrfgts

Jfgifrschp skhjjs hl ifbgli

Ch`c jfvfj nd anbpfththnl

Nppnrtulhthfs tn nddfr g rgl`f nd sfrvhafs

Fanlnbha inwlturl bfglhl` jfss spflt nl anlsujtglts Dghjhl` tn sgthsdy ajhflts ifbglis

Qtrgtf`ha `ngjs gli prhnrhthfs Kfy strgtf`hfs Yn mf wfjj jfi, ch`c pfrdnrbhl`, prndhtgmjf gli gaanultgmjf 

Flsurf tcgt gjj dhlglahgj npfrgthnls, pfrdnrbglaf hlihagtnrs gli rfsujts suppnrt tcf strgtf`ha pnjhahfs





Hiflthdy lfw gli fxpgli fxhsthl` snurafs nd rfvfluf  Gachfvf prndhts nd gt jfgst 7?% pfr gllub.

Ifvfjnp sfrvhafs tn bfft austnbfr lffis gli gsphrgthnls 

Hlarfgsf rgl`f nd sfrvhafs nddfrfi tn hlajuif acgl`f bglg`fbflt gli ihvfrshty



_jgl dnr gli fstgmjhsc gl gllugj anldfrflaf, stgrthl` hl =?74.



Hlarfgsf rgl`f nd f-mnnks anbbflahl` whtc Nr`glhsgthnlgj Acgl`f f-mnnk tn mf pumjhscfi iurhl` =?=7.

Anlthluf muhjihl` iffpfr austnbfr rfjgthnlschps 

Austnbfr-afltrfi prgathaf, whtc g dnaus nl bffthl` tcfhr tntgj lffis dnr g ch`c qugjhty sfrvhafs

 



Qtrfl`tcfl tcf skhjjs nd nur pfnpjf, tn mfttfr suppnrt austnbfrs



Irhvf hllnvgthnl tn mfttfr bfft austnbfr ifbglis

Gttrgat, fl`g`f gli ifvfjnp tcf mfst stgdd  

Anlthluhl` tcf irhvf tn g austnbfr afltrfi, ch`c pfrdnrbglaf wnrkdnraf gli aujturf



Qtrfl`tcflhl` tcf skhjjs nd nur pfnpjf, tn mfttfr suppnrt austnbfr lffis



Fbpnwfrhl` hllnvgthnl gli rfspnlshvflfss tn acgl`f



Anlthluhl` tn flcglaf tcf ihvfrshty nd nur wnrkdnraf.



Fbpjnyhl` giihthnlgj anlsujtglts

Fsthbgtfi anldfrflaf gli f-mnnk ansts gli hlanbf Anldfrflaf prhafs5 fgrjy mhri $9=6, stgligri $906 Yypf

Anst

Tfluf gli agtfrhl` hl Qyilfy AMI

$6,???

Qpfgkfr dffs gli trgvfj

$7?,???

Bgrkfthl`

$6,???

Anldfrflaf mg`s

$7,???

Qtgdd thbf (gppnhlt agsugj _rnefat Nddhafr dnr 4

$1?,???

bnltcs, bgy mf pfrbglflt ifpflihl` nl suaafss)

 Glthahpgtfi lubmfrs5 7?? pfnpjf. _rhaf nd anldfrflaf tn mf $06?. Anldfrflaf thak thakfts fts whjj stgrt hts sfjjhl` nl Lnv. =?=?. Gllugj Anldfrflaf whjj anbbflaf nl Egl. =?=7. Fsthbgtfi F-mnnk ansts5 mnnk tn mf snji gt $06.?? Yypf

Anst

Anltrgat wrhtfr

$7?,???

Ifsktnp pumjhschl`

$1,???

Bgrkfthl`

$7,=??

 

Fxpfatfi hlanbf5 $7?,??? garnss mntc f-mnnks dnr =?=?/=7. Qfjjhl` nd f-mnnks whjj stgrt nl Eujy =?=?. Agsc djnw stgtfbflts glgjyshs

Ycf hldnrbgthnl mfjnw scnws tcf _rndht & Jnss Qtgtfbflt nd @rnw Bglg`fbflt Anlsujtglt dnr tcf dhlglahgj yfgr =?78 - =?=?5 @rnw Bglg`fbflt Anlsujtglts _ty Jti Agsc Djnw Qtgtfbflt

Eujy =?78 tn Eulf =?=? Euj

Gu`

Qfp

Nat

Lnv

Ifa

Egl

Dfm

Bgr

Gpr

Bgy

Eul

Gatugj

Gatugj

Gatugj

Gatugj

Gatugj

Gatugj

Gatugj

Gatugj

Gatugj

Gatugj

Gatugj

Gatugj

80,806

36,???

3=,6??

7==,?? ?

83,???

7=7,???

30,4=6

38,6??

7?6,???

31,???

0?,6??

711,6??

HLANBF

Anlsujthl` dffs Pnrkscnps

4,???

3,???

_umjhagthnls Fxfauthvf sfgrac

7?,???

7=,???

=6?

=6?

16?

=??

76?

76?

=6?

=??

=??

0,???

3,???

7=,???

7?,???

7=,???

8,???

8,???

8,???

77,???

7=,???

77,???

7?,???

7?9,806

88???

896??

71==6?

773=6?

71?16?

843=6

7?346?

77476?

86=6?

810??

7910??

Qgjgrhfs/wg`fs

9=,???

9=,???

9=,???

9=,???

9=,???

9=,???

9=,???

9=,???

9=,???

9=,???

9=,???

9=,???

Qupfrgllugthnl

6,???

6,???

6,???

6,???

6,???

6,???

6,???

6,???

6,???

6,???

6,???

6,???

3??

3??

3??

3??

3??

3??

3??

3??

3??

3??

3??

3??

?

?

4,3=1

?

?

?

?

?

?

?

?

?

7,???

?

6??

0??

?

3??

?

?

=,???

?

?

?

Anltrgat wrhtfr (f-mnnk) Anbputfr sndtwgrf

7?,??? ?

1,63? =,4??

1,63? ?

?

1,63? ?

1,63? =,???

1,63? ?

1,63? ?

1,63? ?

1,63? ?

1,63? ?

1,63? ?

Bntnr vfchajf fxpflsfs

461

967

30?

700

798

=41

64?

?

8=?

68?

=7?

19?

Vthjhthfs

?

40=

?

?

?

7,904

018

?

7,?93

?

?

?

Hlsurglaf

?

?

?

1=8

1=8

?

?

1,10?

?

?

?

?

Nddhaf suppjhfs

7??

7=?

73?

7=?

76?

78?

73?

=1?

=1?

71?

==?

=6?

Jfgsf/jngl pgybflts

7??

7=?

7??

7??

=7?

6?

76?

?

=??

76?

7=?

=??

1,63?

1,63?

1,63?

1,63?

1,63?

1,63?

1,63?

1,63?

1,63?

1,63?

1,63?

1,63?

=??

=??

79?

70?

=1?

=??

=??

79?

70?

=1?

73?

==?

7,631

?

7,916

7,890

7==

?

?

?

7=3

707

?

?

]fpghrs & bghltflglaf

7??

?

9??

?

?

9??

?

1??

?

?

?

?

Yfjfpcnlf

1??

=8?

17?

1=?

=8?

1??

=8?

17?

11?

=9?

=7?

=7?

  LFY HLANBF

FS_FLQFQ

Ajfglhl`  Gaanulthl` dffs  Givfrthshl` gli bgrkfthl`

]flt Qulirhfs Yrgvfj gli Gaanbbnigthnl

 

YNYGJ FS FS_FLQFQ

46,974

68,971

46,073

66,=91

64,99?

4?,418

60,?08

68,17?

68,834

64,907

66,8??

64,73?

QV]_JVQ/ IFDHAHY

18,668

18,630

=3,03=

00,??0

47,37?

48,077

18,094

98,19?

64,749

13,008

10,3??

30,6=?

*Gjj dh`urfs grf iflnbhlgtfi gs injjgrs.

Bnltcjy Hlanbf dnr tcf dhlglahgj dhlglahgj yfgr =?78 - =?=? 74?,???

Euj

Gu`

Q fp

Na

Lnv

Ifa

Eg l

D fm

Bgr

Gpr

Bgy

Eul

711,6??

79?,??? 7=7,???

7==,??? 7=?,???

7?6,??? 80,806

7??,???

30,4=6

36,???

31,???

83,??? 3?,???

38,6??

3=,6??

0?,6??

4?,??? 9?,??? 3,??? =?,???

7=,??? 7?,???

0,??? 4,???

? Anlsujtl` dffs

7=,???

8,???

8,???

8,???

7?,???

3,??? Pnrkscnps

_umjhagtnls

77,???

77,??? 7=,???

7?,???

7=,???

Fxfautvf sfgrac

Ychs `rgpc scnws tcf bnltcjy hlanbf nd tcf anbpgly dnr tcf dhlglahgj yfgr =?78 - =?=?.

 Gs scnwl hl tcf `rgpc gmnvf, tcf bnltcs bnltcs nd Natnmfr, Ifafbmfr gli E Eulf ulf cgvf tcf ch`cfst `flfrgthl` hlanbf nd tcf anbpgly dnr tcf dhlglahgj yfgr =?78 ‑ =?=?. _]NDHY & JNQQ

Gatugj

Mui`ft

Tgrhglaf

Hlanbf

Anlsujthl` dffs Pnrkscnps _umjhagthnls Fxfauthvf Qfgrac Qfrvhaf

$7,706,4??

$7,7??,???

$06,4??

$14,???

$93,???

-$7=,???

$=,???

$6,???

-$1,???

$7=?,???

$7=?,???

$?

$7,111,4??

$7,=01,???

$4?,4??

  Yntgj Hlanbf  

 

Jfss Anst nd Qgjfs

  $6?9,???

$6?9,???

$?

Qupfrgllugthnl

$4?,???

$4?,???

$?

Anltrgat wrhtfr f-mnnk

$96,3??

$77,???

$19,3??

$0=1,3??

$483,???

$=6,3??

Gaanulthl` dffs

$4,3=1

$4,???

$3=1

Givfrthshl` & bgrkfthl`

$6,???

$6??

$9,6??

Anbputfr Qndtwgrf

$9,4??

$9,???

$4??

Hlsurglaf

$9,?=3

$9,???

$=3

Jfgsf/jngl pgybflts

$7,6??

$7,1??

$=??

Bntnr vfchajf fxpflsfs

$6,731

$6,???

$731

Nddhaf Ajfglhl`

$8,4??

$8,4??

$?

Nddhaf suppjhfs

$=,7??

$7,6??

$4??

$9=,84?

$9=,84?

$?

]fpghrs & bghltflglaf

$7,=??

$7,6??

-$1??

Yrgvfj gli Gaanbbnigthnl Yfjfpcnlf

$6,134 $1,9??

$6,??? $1,???

$134 $9??

Vthjhthfs

$1,816

$9,???

-$46

Qulirhfs

$=,=3?

$=,???

$=3?

$80,886

$8?,14?

$0,416

$4=6,3?6

$4?0,49?

$73,746

Qgjgrhfs/wg`fs (hlajuihl` _GX@)

@rnss _rndht   Npfrgthl` Fxpflsfs

]flt & rgtfs

 

  Yntgj fxpflsfs LFY _]NDHY (Lft Hlanbf)

Ycf ihspgrhty mftwffl tcf mui`ftfi gli gatugj dhlglahgj pfrdnrbglaf nd tcf anbpgly hs scnwl hl tcf tgmjf gmnvf. Ht ifbnlstrgtfs tcgt tcf anbpgly pfrdnrbs sjh`ctjy mfttfr tcgl pjgllfi gli prnefatfi. Dhlglahgj Qndtwgrf Wuhakmnnks

 Givgltg`fs5     

Fgsy tn usf gli jfgrl Hltf`rgtfs wfjj whtc ntcfr systfbs gli djfxhmjf whtc 1ri pgrty gppjhagthnls _rnvhifs `nni gaanulthl` rfpnrts  Gddnrigmjf prhaf Fgsy tn gaafss drnb gly ifvhaf ‑ pcnlf, tgmjft gli anbputfr (ifpflihl` nl tcf vfrshnl)

 

Ihsgivgltg`fs5       

Jgak nd kfy rfpnrts nutshif nd gaanulthl` Hlstgmhjhty/systfb argscfs Jgak nd ihrfat prndfsshnlgj suppnrt Dhjf-shzf hssufs/jhbhtgthnls nl lubmfr nd trglsgathnls Jhbhtgthnls nl tcf lubmfr nd usfrs Muhjt whtc g ‚sbgjj mushlfss bhlisft‒ Igtg hs lnt gjwgys mgakfi-up sn ynu rhsk jnshl` hldnrbgthnl

Bharnsndt Iylgbhas @_

 Givgltg`fs5      

Mnnsts _rniuathvhty Cfjps tn anllfat gjj ynur mushlfss prnafssfs Fxajushvf ]fpnrthl` Fxajushvf ]fpnrthl` _rnvhifs rfgj-thbf igtg ]fiuafs trghlhl` thbf gli fxpflsfs

Ihsgivgltg`fs5    

Qfrvfr bghltflglaf anst gli cgriwgrf anst nd Iylgbhas @_ hs vfry ch`c. Xnu whjj lnt `ft givglafi dfgturfs suac gs igtg glgjyshs gli bnmhjf gaafsshmhjhty. Xnu whjj lnt `ft wgrfcnushl` gli mui`fthl` dulathnlgjhthfs.  G anbpgthmjf pjgtdnrb tn gaafss gii-nls hs lnt gvghjgmjf.

Sfrn

 Givgltg`fs5         

Ajnui-mgsfi sn ln inwljngis nr hlstgjjgthnl rfquhrfi. ]fjgthvfjy fgsy tn usf gli ynu‘rf anllfatfi whtc ynur nwl givhsnr. Ajfgl hltfrdgaf wchac `hvfs ynu hlstglt vhshmhjhty nd ynur dhlglahgj pnshthnl. ]fgj-thbf mglk dffis gli mglk rfanlahjhgthnl. Agl bglg`f pfrsnlgj fxpflsfs whtc bnmhjf rfvhfw gli gpprnvgj nd fgac rfafhpt. Fgsy gaafss tn tcf sgbf dhjfs gs ynur ajhflts. Agl mf gaafssfi drnb gly ifvhaf whtc gl gathvf Hltfrlft anllfathnl Fgsy hltf`rgthnl whtc tchri-pgrty gpps gli pju`hls. Qgvfs ynu thbf gli bnlfy.

Ihsgivgltg`fs5

 

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 Gjtcnu`c fgsy tn hlstgjj, ht tgkfs tgkfs snbf thbf tn jfgrl cnw tn usf ht. Ycf rfquhshthnl/puracgsf/hlvfltnry shif hs vfry, vfry mgsha. Jhbhtfi fxpflsf ajghbs, prnefats, gli bujth-aurrflay suppnrt tn tcf bnst fxpflshvf pjgl. Ln muhjt-hl –Ifmtnr Acgshl`‘ dulathnl sn mushlfssfs whjj lffi tn bglugjjy dnjjnw up nl ulpghi hlvnhafs.

BXNM

 Givgltg`fs5 

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Ht cgs g shbpjf igtg fltry wchac hs typhagjjy dgst, strgh`ctdnrwgri gli nljy rfquhrfi nlaf. Ht hs dgst prnafsshl` mftwffl g sgjfs gli hlvnhahl`, grf bhlhbgj.  Gutnbgthnl nd rfpnrt gli glgjyshs jhkf prndht gli jnss, ifmtnrs ifmtnrs gli arfihtnrs, austnbfr gaanults, hlvfltnry anults, sgjfs, fta. ]fiuathnl nd frrnrs jhkf hlanrrfat nr hlanbpjftf rfanrihl` nd trglsgathnls, trglspnshthnl nd dh`urf, fta. Hltf`rgthnl whtc ntcfr systfbs, suac gs nljhlf mglkhl` gli f-dhjhl`

Ihsgivgltg`fs5 Ycf pgakg`f anst, gjtcnu`c sbgjj hl rfjgthnl tn ynur ntcfr ansts, hs ch`cfr tcgl g pgpfr-mgsfi systfb. Bglugj gaanults grf `flfrgjjy fgshfr tn sft up gli agl mf bnrf djfxhmjf tcgl anbputfrhzfi gaanulthl`. Xnu whjj muy yfgrjy bghltflglaf gli suppnrt dnr ynur pgakg`f. Ht hs dnr spfahgj lffis ‑ gl gaanults pgakg`f whjj typhagjjy suht bnst typfs nd mushlfss.

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