Thực trạng và một số giải pháp nâng cao hiệu quả huy động vốn tại Techcombank chi nhánh Chợ Bưởi

8/2/2019 Thc trng v mt s gii php nng cao hiu qu huy ng vn ti Techcombank chi nhnh Ch Bi

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@CKH MB BB BH BO QOP PP

E hoy @ok loo

KHPM Klk hkl phkl mo

KHP Klk hkl Ptykl kl

KH PMB^ Klk hkl phkl mo b ~hk

PBD Pibhbjmdcke

PL Pok lo

@CKH MB BB DKL R FOY Q DOY

Dkl 37 B by klyk qk hy kl

Dkl 47 B by klyk pok lo (pho om byo phkl 34*4>3>/

Dkl 27 B by klyk pok lo (pho om 2>*1*4>33/

Doy 37 B by klyk qk hy kl byo km 4>3>

Doy 47 B by klyk qk hy kl byo phkl 1*4>33

Doy 27 Xy hkl hy kl pok lo

Doy 07 Xy hkl hy kl klyk qk qc

Doy 97 Klyk qk ehb

Doy 17 B by klyk qk hy kl bc Pibhbjmdcke km 4>3>

Doy


2/34

FO M Y

Qop Kcm ckl ptjkl pho e dok o mkh bc kk eokh p& pho e mkh

bkl klho~ hc hok o hc p kb& bhkl pc ckl p b khkl db pok eh

khckh q dk qkl ptjkl bkl byb ~hp ptok kk eokh p q kkl bcj bhp fkl byb

rkl+ b khkl db ~hp ptok kh q& kk eokh p po~ pb pkl ptkl k kh&

bhkl pc bk fm pp hk kc bkl pb hy kl qk bhj kk eokh p& pkl bkl hk kc

hoy sy hy kl qk bc bb p bhb& khp f bb ptykl lock po bhkh khkl kh bh

kl bkl kl qco pt syck ptkl bhj r ~hp ptok bc p kb+ Mp ptjkl khkl ptykl

lock po bhkh syck ptkl khp bhkh f klk hkl phkl mo& qo klho~ q bh y f

hy kl qk p kk eokh p bhj qc fo kk eokh p+ Sy ptkh ho kh~ eokh p ehy qbq syb p ckl `ok tc hp rb ro kl& kl klhc qo qob bkh ptckh ehkl bh ptjkl

ko d bb klkh bc syb loc m bk k p khkl o ph mckl y p kb kljo+ Bkh

ptckh & ckl q r `ok tc kl bkl ehb fop& lc lp hk ptjkl pjk d kk eokh p ko

bhykl& q ptjkl hjp kl bc h phkl klk hkl ko tokl+ Bhkh q khkl f `j ptk&

qob ehco phkl klyk qk bhj hjp kl bc bb klk hkl phkl mo f bb e syck

ptkl+ Khk phb t b qk k& qo khkl eok phb b hb& bkl qo phb p

syck rp q pm hoy po klk hkl Pibhbjmdcke bho khkh bh Do& im mkh `k

bhk po7 Phb ptkl q mp r loo ~h~ kkl bcj hoy sy hy kl qk po

Pibhbjmdcke bho khkh Bh Do klhok by+

Mb bh klhok by bhkh bc po f pm hoy q ~hk pbh phb ptkl pkh

hkh hy kl qk po mp klk hkl b ph c tc mp r loo ~h~ khm kkl bcj

hoy sy hjp kl k& syc pj b r bhj qob hb p~ q klhok by po kh ptkl

bkl kh ptjkl sy ptkh bkl pb rcy k+ Qo o pkl klhok by f phyp b dk q

hy kl qk po klk hkl phkl mo& q phb ptkl bkl pb hy kl qk po

Pibhbjmdcke bho khkh bh Do syc 4 km 4>3> 4>33& ~hkl ~h~ klhok by im r

`kl bh y f ~hk pbh bb r foy phkl e phb p c tc khkl khk xp& kh lo+

Kljo fo m y& ep fyk& q `ckh mb po foy phcm ehj& do qop b ptkh d

phij 2 ~hk7


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^hk O7 Pkl syck q hy kl qk ptjkl klk hkl phkl mo

^hk OO7 Phb ptckl bkl pb hy kl qk po KHPM B^ E phkl Qop Kcm bho

khkh bh Do

^hk OOO7 Loo ~h~ pkl bkl hy kl qk po KHPM B^ E phkl Qop Kcm

bho khkh bh Do

@j pho lock klhok by q eok phb phb p bhc khoy& do qop bc im bk khoy

om bhc b~ k q ehkl ph ptkh b khkl phoy rp+ Bhkh q q& im tp mjkl

khk b khkl khk xp& l~ bc bb ph& b b ph hjk phok hk do qop bc

mkh+


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LOO PHOY @JCKH KLHO^7

LOO PHOY Q KLK HKL PHKL MO B ^HK E PHKL QOP

KCM

Fbh r hkh phkh Pibhbjmdcke

Klk hkl phkl mo b ~hk e phkl Qop Kcm (Pibhbjmdcke/ b phkh

f~ kl 4?*3??2 qo r qk dck y f 4> p kl& pto syc hk 31 km hjp kl& qo

mkl fo ~hp ptok lk 42> bho khkh q ~hkl locj `bh ptk hk 0> pkh q phkh ~h

ptjkl b kb& k kc Pibhbjmdcke pt phkh mp ptjkl khkl klk hkl phkl mo

b ~hk hkl y Qop Kcm qo qk oy f f 1&?24 p kl& q pkl po rk p ptk39>&4?3 p kl (pkh k hp km 4>3>/+

Pibhbjmdcke bk f klk hkl y pok q `y khp b Aokckbocf Okrolhpr pkl

`ckh hoy Klk hkl `k y q loo ~h~ q kl `kl bkl klh+ Hok po& qo o kl

khk qok fk po ptk 9&>>> klo& Pibhbjmdcke fyk rk rkl ~ kl mo y by q

`bh q `kh bhj ehbh hkl+ Pibhbjmdcke hok ~hb q ptk 3 ptoy ehbh hkl b khk&

lk 04&>>> ehbh hkl `jckh klho~+

R MKH - PM KHK - 9 LO PT BP FO

Pm khk

Pt phkh Klk hkl pp khp q `jckh klho~ hkl y Qop Kcm+

R mkh7

Pt phkh o pb po bhkh b fc bhk q kl pok b khp bc ehbh hkl

Pj `kl bhj bk d khk qok mp mo ptkl fm qob pp khp

Mckl fo bhj b kl khkl fo bh h~ `k& fy `o

9 Lo pt bp fo

Ehbh hkl f ptk hp

Fok pb bo pok


5/34

Pokh phk ~ho h~

^hp ptok khk fb

Bcm ep hkh kl


6/34

LOO PHOY Q PIBHBJMDCKE BHO KHKH BH DO

Pibhbjmdcke bho khkh bh Do b phkh f~ kl 8*?*4>3> phij syp kh

r 3098 33> Fb Fjkl Syk P H H Ko+ Py f mp ^hkl locj `bh ptb

phyb bho khkh Pibhbjmdcke Bhkl @kl& khkl hjp kl bc Pibhbjmdcke bh

Do f kh mp bho khkh b f~+

B by p bhb bc Pibhbjmdcke bh Do7

Q pt eok p~ ptjkl `jckh klho~7

Ptjkl sy ptkh eok p~ po Pibhbjmdcke bho khkh bh Do& im b ~hk

bkl qj q pt fm pt f bhj mp bk d ~hkl eokh `jckh d ~hk ehbh hkl `jckh

klho~ bc bho khkh+


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^HK O7 PKL SYCK Q HY_ KL QK PTJKL KLK HKL PHKL

MO

Pkl syck q Klk hkl phkl mo q bb hjp kl bc Klk hkl phkl

mo

C+ Eho kom Klk hkl phkl mo7

Bb klk hkl ko bhykl q bb klk hkl phkl mo ko tokl p eho dp y

xyp hok fok pb ~hp ptok q ehkl kh q ph syck ptkl& ehkl ph phoy ptjkl kk

eokh p bc mo syb loc+

Phij j fyp klk hkl bc ^h~ (3?03/7 Klk hkl phkl mo f khkl X

klho~ hc b r m klh klho~ phkl xyk f khk pok db bc bkl bhkl `o hkh

phb e phb& hjb `o bb hkh phb ehb q r `kl po klyk bhj bhkh h ptjkl

bb klho~ q q bhop ehy& pk `kl q po bhkh+

Po Qop Kcm& eho kom klk hkl b sy kh t tkl ptjkl Fyp bb p bhb

pk `kl b Syb ho dck hkh km 4>3> (Fyp r 03>*SH34/7 Klk hkl f fjo

hkh p bhb pk `kl b ph b phb hok pp b bb hjp kl klk hkl phij sy kh

bc Fyp k+ Phij pkh bhp q mb poy hjp kl& bb fjo hkh klk hkl dcj lm klk

hkl phkl mo& klk hkl bhkh rbh& klk hkl h~ pb x+

Ptjkl & bb hjp kl klk hkl f qob eokh `jckh& bykl kl phkl xyk mp

hjb mp r bb klho~ q kh7

Khk pok lo5

B~ pk `kl5

Bykl kl `bh q phckh pjk syc po ehjk+

Po ehjk 2 oy 0 Fyp bb k& Klk hkl phkl mo b kh klhc7


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Klk hkl phkl mo f fjo hkh klk hkl b phb hok pp b bb hjp kl

klk hkl q bb hjp kl eokh `jckh ehb phij sy kh bc Fyp k khm mb poy

fo khyk+

Bhkl pc b ph pm lk fo eho kom Klk hkl phkl mo kh rcy7 Klk hklphkl mo f fjo hkh p bhb pk `kl phb hok qob eokh `jckh& bykl kl phkl

xyk mp hjb mp r bb klho~ q kh khk pok lo& b~ pk `kl q bykl kl `bh q

phckh pjk syc po ehjk5 khm mb poy fo khyk+

Syc eho kom ptk& bhkl pc b ph hoy mp bb eho syp khp ph kj f klk

hkl phkl mo syc qob khk khk dk bhp bc k+ B hco om bk bh 7

Ph khp& klk hkl phkl mo f mp p bhb eokh p& bhkh xb hk f mp fjo

hkh p bhb pk `kl& b hjp kl f eokh `jckh q bykl kl phkl xyk bb klho~

q7 Khk pok lo& b~ pk `kl& q bykl kl `bh q phckh pjk syc po ehjk+

Ph hco& klk hkl phkl mo f mp p bhb hjp kl q mb poy fo khyk+

Pkh bhp k fm k ehb b dk rj qo bb fjo hkh klk hkl ehb kh7 Klk hkl

bhkh rbh& klk hkl h~ pb x+

D+ ^hk fjo bb Klk hkl phkl mo7

P phij bb bk b m b khoy bbh ~hk fjo klk hkl phkl mo7

% Bk b qj hkh phb r hy& bb Klk hkl phkl mo lm7

KHPM Kh kb

KHPM b ~hk

KHPM fok `jckh

KHPM 3>>) qk kb kljo q bho khkh bc bb KHPM kb kljo+

% Bk b qj bhok fb q b om eokh `jckh bh y7

Klk hkl phkl mo dk dyk


9/34

Klk hkl phkl mo dk f

% Bk b qj bbh phb p bhb hjp kl7

P bhb klk hkl k q7 klk hkl bykl b~ pp b bb `bh q po bkl

mp qk ~hkl+ f fjo hkh p bhb klk hkl fy o khp+

P bhb klk hkl bho khkh7 bb klk hkl fk phkl x `kl khoy

bho khkh po bb c dk ehb khcy m tkl ~hm qo hjp kl+

P bhb bkl p r hy klk hkl hjb klk hkl r hy bkl p7 phkl

tc o rcy eho `ok tc bb q myc dk& r~ kh~ loc bb bkl p+ Fjo hkh

k ckl ~hp ptok ptjkl loco jk lk +


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B+ Bb klho~ q bc klk hkl phkl mo7

Khkl klk hkl y pok xyp hok `o hkh phb r ehco khp qj ehjkl 29>>

km ptb Bkl klyk& qo klho~ q dck y f khk lo pok qkl q bb po rk b lo

pt ehb+ P pho om xyp hok po kc& py bb klho~ q bc bb klk hkl phkl

mo b b m tkl& ~hp ptok tp c `kl& khkl q dk bhp bb klho~ q qk lo

klyk ehkl o& xjc syckh hco klho~ q bhkh y f klho~ q po rk b (hc klho~

q r `kl qk/ q klho~ q po rk k (hc klho~ q hy kl qk/7

Klho~ q po rk k7

Klho~ q hy kl bb klyk qk f hjp kl b dk& mckl pkh pok & b klhc syck ptkl o qo dk phk klk hkl phkl mo bkl kh o qo pjk x ho+

Ptjkl klho~ q k& klk hkl phkl mo b ~h~ r `kl khkl bkl b q dok

~h~ bk phop m fyp ~h~ bhj ~h~ hy kl bb klyk pok khk to ptjkl x ho fm

klyk qk bhj qc o qo kk eokh p+ Bb ptykl lock po bhkh klk hkl phkl mo

r pok hkh hy kl p `k b q bb p bhb& pj pok bhj qob x `kl mp by ko

p klo ` phc qk q bb b khk& p bhb ckl phoy qk+

Klho~ q po rk b7

hjk phkh qco pt ptykl lock& by ko loc mp dk f klo ` phc qk q

mp dk f klo phoy hp qk& bb klk hkl phkl mo pok hkh b~ pk `kl bhj kk

eokh p p klyk qk hy kl b& pj kk mp bhy ptkh qk kl eh~ ek bc klyk

qk ptjkl kk eokh p+ Bkl qob po~ phij k lo f klho~ q po rk b bc klk hkl

phkl mo& k fok syck k bb hjp kl r `kl klyk qk& kh hjp kl klk sy&

pk `kl& q y p+ Ptjkl & klho~ q bhj qc q y p f klho~ q r `kl qk syck

ptkl khp+ f bb klho~ q by phkh d ~hk bh y q syck ptkl bc po rk b

bc klk hkl+ Phkh ~hk po rk b bc klk hkl dcj lm7 @ pt& bhj qc& y p& q

po rk b ehb+

Bb hjp kl kljo dkl7


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Bb klk hkl phkl mo kl bkl bykl b~ khoy hk bb locj `bh phy ~h&

mp ~hk pj tc klyk phy mo bhj klk hkl khm kkl bcj eh kkl rokh fo bc po rk&

q mp ~hk lo~ pj y ph bkh ptckh ptk ph ptkl+ Mp r bhkl ehkl b lho bh~

ptk Dkl bk o e pjk khkl fo kl qco pt eh syck ptkl ptjkl hjp kl bc klk

hkl+ Khkl hjp kl pj kk bb ehjk mb kljo dkl bk o e pjk& bhkl dcj

lm7

H~ kl dj fkh pk `kl

Bb rk ~hm ~ho rokh fo ryp7 h~ kl pkl fco& e hk& hjk

o& q h~ kl syk bhk fo ryp

Bb rk ~hm ~ho rokh fok syck k kljo p q p lo ho jo

H~ kl bcm ep bhj qc

Bb klyk qk bc Klk hkl phkl mo

Kh ~hk ptk ptkh d& klho~ q po rk k hc hy kl qk f tp bk phop

o qo r hjp kl dkh phkl bc bb klk hkl phkl mo+ Klyk qk bc klk

hkl phkl mo p phij b ph pkl klk hkl m b b by p ptkl bb klyk hkh

phkh ehb khcy& khkl q b dk& qk bc mp klk hkl phkl mo r b pj f~ p

bb klyk7 Qk bh r hy (hc qk p b/& qk p klyk pok lo& qk o qc& q bb

klyk qk ehb+

Qk bh r hy7

f klyk qk phyb r hy bc klk hkl& dcj lm qk p b q qk bjo kh p b+

' Qk p b dcj lm7

Qk oy f7

F ehjk qk lho ptjkl dk oy f bc klk hkl phkl mo& b hkh phkh p

eho klk hkl phkh f~+ Klyk qk k b ph b b~ p Kh kb ky f klk hkl


12/34

phkl mo kh kb& q b ph `j b kl kl l~ ky f klk hkl phkl mo b

~hk+ Sy m qk oy f bc klk hkl phkl mo fk hc kh f p phyb qj sy m

bc klk hkl qo r fkl bb bho khkh khoy hc p q c dk hjp kl f phkh ph

hc kkl phk& q ehkl b kh hk qk ~h~ kh sy kh bhj klk hkl r qk

po phoy phij fyp kh m klk hkl ~ho b o qj hjp kl+

Bb sy ` pt7

Dcj lm sy ` pt d rykl qk oy f q sy ` pt d ~ to tj+ Bb sy

k r b ptbh ptb po~ p fo khyk rcy phy hkl km bc klk hkl+ Phij kl kh

pk lo& sy ` pt pkl qk oy f khm fm pkl qk p b bc klk hkl phkl mo&

q sy ` ~hkl to tj f m dj ck pjk ptjkl hjp kl eokh `jckh bc klk hkl+

' Qk bjo kh p b7

Qk k dcj lm bb ehjk qk pm pho khk to bc klk hkl& f khkl ehjk

qk b ~hk d bhj khkl mb bh bho poy khp kh khkl bhc b r `kl& q

`7 fo khyk bh ~hk d& hjb bb sy bhyk `kl bhc r `kl k kh sy ~hp

ptok klho~ q klk hkl& sy ehik phkl& sy ~hb fo& sy ehy hcj po rk b

kh& ++++

Qk p b bc klk hkl phkl bh bhom p ptkl tp kh (9) - 3>)/ ptjkl b by

klyk qk& khkl fo b klhc b dop syck ptkl q k ~hk kh eh kkl po bhkh bc

klk hkl& syp kh sy m hjp kl& +++ Kljo tc& qk p b b bjo kh bhob m

bhkl ptb r rp lom lo pt bb po rk& lo~ klk hkl ptkh d to qj pkh ptkl

mp eh kkl bho pt q ~h rk+

Klyk pok lo

f klyk qk syck ptkl khp& bhom p ptkl bh y (1>) k 8>)/ ptjklklyk qk bc bb klk hkl phkl mo+ B ph bhoc tc bb fjo pok lo rcy7

Pok lo ehkl e hk7

F fjo pok lo m ehbh hkl lo pok qj po ehjk b ph tp tc dp b fb kj+

Ehbh hkl lo pok `o `kl pok lo ehkl e hk phkl bh y q mb poy phckh


13/34

ehjk q ck pjk& khm ~ kl khckh bb khy by phckh pjk ptjkl sy ptkh rk xyp

eokh `jckh+ Bhkh q b om b ph lo qj hjb tp tc dp b fb kj kk pok lo fjo

k phkl b pt mp mb fo ryp tp ph~& hjb ptjkl mp qo ptkl h~ ehkl b

pt fo+

Hy hp bb po ehjk pok lo ehkl e hk po ehjk qkl fco phkl `kl po

ehjk b eh kkl ~hp rb& q ` kh7 Po ehjk rb& po ehjk KJ\& po ehjk pok lo

ph ptkl pok p - MM@Cr& po ehjk CPR+ Pok lo ehkl e hk f mp klyk qk syck

ptkl bc bb klk hkl+ Py khok `j klo lo b ph tp tc dp b fb kj kk f

mp klyk qk dok kl phkl xyk& q q klk hkl bh y `kl k bhj qc

klk hk+

Pok lo b e hk7

F fjo pok lo m klo lo pok bh b tp tc rcy mp pho hk khp kh p mp

qo phkl k qo km+ Mb fo ryp `kh bhj pok lo fjo k `j bcj hk khoy rj qo

pok lo ehkl e hk& khkl klo lo pok fo ehkl b hkl `bh q phckh pjk syc

klk hkl+ Mb bh bh y bc klo lo pok fjo k f f fo bh ehkl ~ho f pkh

phckh ehjk q ck pjk kh qo pok lo ehkl e hk+

Pok lo ehkl e hk ehkl b tp tc ptb pho hk& rjkl bkh ptckh phy hpq lo ehbh hkl& bb klk hkl qk bhj ~h~ tp ptb hk+ Py khok klo lo ky tp

pok ptb hk r bh b hkl mb fo ryp ehkl e hk bhj pho hk lo hjb

ehkl b hkl fo+

bb kb b kk po bhkh ~hp ptok& pok lo b e hk phkl pk po ò hkh

phb bb bhkl bh pok lo (B@r/& bk kb pc& pok lo b e hk phkl pk po ò 4

`kl bhkh7 pok lo e hk phij po ehjk& q pok lo e hk ò hkh phb ~hp hkh e

~hoy klk hkl+

Pok lo pop eom7

F ehjk pok pop eom bc b khk b lo qj klk hkl khm mb bh hkl

fo phij kh e+ Hkh phb ~h dok q fy o khp bc pok lo fjo k f fjo pok lo

pop eom b r+ kb pc& pok lo pop eom lm b 2 fjo rcy7


14/34

% Pok lo pop eom ehkl e hk7 Ehbh hkl lo pop eom b ~h~ lo phm

hjb tp tc dp b fb kj+ Pok lo fjo k b pt fo khkl tp ph~+

% Pok lo pop eom b e hk7 F fjo pok lo pop eom b e hk lo b kh

ptb+ Fjo pok lo pop eom k pkl p kh pok lo b e hk+

% Pok lo pop eom b mb bh7 F hkh phb pop eom ptykl q `o hk khm mb bh

x `kl kh + Kljo hkl fo& klo lo pok bk b klk hkl bhj qc khm d

rykl phm qk bhj mb bh x `kl kh qo mb po c dkl r ` pok lo pop eom+

Klyk qk o qc

Bb klk hkl phkl mo eho b khy by q qk b ph qc qk p Klk hkl

ptykl kl& p bb p bhb pk `kl ehb hc p ph ptkl po bhkh7

Qc KHP7 phkl syc bhop ehy& po bhop ehy phkl ~hoy q bb lo p b lo

ehb5 bhj qc b m dj dkl bm b lo p b lo5 q bhj qc phij h r pk

`kl+

Qc klk hk bb ehjk ` pt p bb p bhb pk `kl ehb7 khm m dj ` pt

dp dyb phij sy kh+

Qc bb bkl p q p bhb ehb7 qc dkl h~ kl myc fo& qc bkl p m+

Qc p ph ptkl po bhkh ptjkl q kljo kb7 phkl syc ~hp hkh bb bhkl bh

pok lo b eh kkl bhyk khkl q bb fjo pto ~hoy klk hkl+

Qo b om bc bb klyk qk o qc f ehkl ~ho ptbh f~ ` pt dp dyb kk

bb klk hkl b xy hkl pkl `k p ptkl qk qc ptjkl b by pkl klyk qk& `k

c qk qc pt phkh klyk qk syck ptkl ptjkl hjp kl bc bb klk hkl phkl

mo+

Bb klyk qk ehb

Bb klyk qk ehb& ehkl phyb bb klyk qk e ptk bc klk hkl phkl mo

dcj lm7 Qk po pt& qk phb y p bhj qc phij bb bhkl ptkh& ` k& qk


15/34

hkh phkh ptjkl sy ptkh hjp kl bc klk hkl kh pok lo phckh pjk h bc bb

klk hkl ehb& pok e sy F*B& +++

Bkl pb hy kl qk po bb KHPM

Eho syp bb bkl b hy kl qk

pk po q ~hp ptok& bb klk hkl phkl mo ~ho b dop syck pm k bkl

pb hy kl qk (bh y f hy kl bb klyk pok lo/ bc mkh+ Bkl pb hy kl

qk bc klk hkl phkl mo fok syck k qob hy kl bb klyk pok lo& o qc q

bb klyk qk ehb kljo qk bh r hy bhj hjp kl bc klk hkl+

Kl kc& dk bkh bb bkl b ptyk phkl& bb klk hkl fok pb bo pok& rkl

pj tc bb bkl b mo hy kl qk b hoy sy hk+ Bkl b ~h dok q ptyk

phkl khp f fo ryp q r c `kl q bb rk ~hm& `bh q+ Bb klk hkl r `kh bhj

ehbh hkl khkl mb fo ryp bkh ptckh khp& qo `ckh mb rk ~hm ~hjkl ~h khp+

Po~ phij f qob phb hok bb db o mo& hok o hj hjp kl klk hkl& kkl

bcj bhp fkl bb rk ~hm+ Bb klk hkl bk b khkl loo ~h~ hy kl ehb

kh7 ~hp hkh bb e ~hoy& pto ~hoy& bhkl bh pok lo& lo pop eom klk hk& ptykl q

`o hk qo khoy mb fo ryp h~ `k& em phij loo ~h~ q ehyk mo& mcteipokl

b dop& d ~hk po~ ph& bhm rb ehbh hkl fyk fm pp khom q p qk& pm hoy&

po~ ph bb rk ~hm `bh q+

Mp r khk p kh hkl k bkl pb hy kl qk bc klk hkl phkl

mo

C& Bb khk p dk kljo7

B khoy khk p km dk kljo klk hkl khkl fo pb kl ptb po~ k bkl

pb hy kl qk bc klk hkl& bhkl hk kh7

Mo ptkl ~h~ f

Bhy e eokh p& pkh ptkl kk eokh p


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Mo ptkl bkh ptckh

b om ph ptkl7 b om pop eom bc `k b& pm f& b by `k b& qk

hc& phy kh~& +++

D& Bb khk p dk ptjkl7 dcj lm

Mb y pk q phm kok bc klk hkl

Bhok fb eokh `jckh bc klk hkl

Bhok fb rk ~hm& mcteipokl& bhkh rbh ehbh hkl

Bhkh rbh fo ryp

Bb bh poy kh lo bhp fkl hjp kl hy kl qk bc klk hkl

Bb bh poy kh lo bhp fkl hjp kl hy kl qk bc klk hkl7

Pkh k kh bc sy m q b by klyk qk hy kl

Eh kkl ~ kl bc klyk qk hy kl qo khy by r `kl qk (ph hok syc

bh poy pkl ` k bhj qc ptk pkl qk hy kl/

Bho ~h hy kl qk

R c `kl bc hkh phb hy kl qk


17/34

^HK OO7 PHB PTKL HY_ KL QK PO KHPM B^ E PHKL QOP

KCM BHO KHKH BH DO

kh lo pkh hkh hy kl qk po Pibhbjmdcke bho khkh bh Do

^hk pbh b by hy kl qk

Dkl 37 B by klyk qk hy kl7

Bh poy

Km 4>3> Phkl 3*4>33 Phkl 1*4>33

R fkl(p QK@/

P ptklR fkl(p QK@/

P ptklR fkl(p QK@/

P ptkl

PKL KLYK QKHY_ KL 329

3>>+>>) 319

3>>+>>) 449 3>>+>>)

Klyk pok lo 331 89+?2) 348 88+8?)

Klyk qk qc 38 32+22) 21 43+84) 42 3>+44)

Klyk qk ehb 3 >++13) 4 >+8?)(Klyk7 Pibhbjmdcke bho khkh bh Do/

Doy 37 B by klyk qk hy kl byo km 4>3>7


18/34

Doy 47 B by qk hy kl byo phkl 1*4>33

Syc dkl phkl e q hco doy ptk b ph ph t kp b om bhykl ptjkl b

by qk hy kl bc mp klk hkl phkl mo& qo p ptkl klyk qk pok lo fk

khp& po~ rcy f qk qc& q bb klyk qk hy kl ehb+ Po Pibhbjmdcke bho khkh

bh Do& p ptkl pok lo ptjkl pkl qk hy kl fyk p mb ptk (pb ptk 33+ oy k hp rb b klhc& b

dop ptjkl loco jk lk & ptjkl eho khoy klk hkl to qj pkh ptkl phoy qk poklo ph Bho khkh fyk `y pt mb p ptkl pok lo fk& pkl syc pkl phkl hjp kl+

Klyk qk bhom p ptkl ph hco ptjkl b by qk hy kl bc Bho khkh f bb

ehjk pok qc bhom 32+22) qk hy kl qj byo km 4>3>& q 3>+44) qk hy

kl qj byo phkl 1*4>33+ Py bhom p ptkl kh kh q& khkl bkl f mp ekh

eh syck ptkl& po pt qk bhj hjp kl bc Bho khkh+ Klyk qk pok qc hjk pjk

ehkl ~ho ptbh f~ ` pt dp dyb& kk b ph r f fc bhk pp bhj bho khkh eho

bk hy kl qk mo+

^hk bk fo& bhom p ptkl kh khp ptjkl b by qk hy kl bc bho khkh& f

bb klyk qk ehb (`o 3+>>)/+


19/34

Xp phm q b by pkl klyk qk pc ph7

Dkl 47 B by klyk pok lo (pho om byo phkl 34*4>3>/7

KLYK POK LO (PL/p

R fkl(p QK@/

P ptkl()/

P BHB EOKH P 9 0+23)

PL ehkl e hk 4 3+ >+>>)

PL ehkl e hk > >+>>)

PL b e hk 333 ?9+1?)

Pkl Pok lo 331 3>>+>>)

P dkl phkl e ptk b ph ph& d ~hk bhkh ptjkl klyk pok lo bc PBD bho

khkh bh Do f pok lo bc `k b (bhom ?9+1?)/+ Ptjkl d ~hk pok lo bc `k b&po pho om byo km 4>3>& ph pok lo b e hk bhom pyp o 3>>)& pok lo phckh

pjk b khk q pok lo ehkl e hk bc `k b ehkl b r `+ Pok lo p `k b f

klyk pok lo bh fb bykl kl qk bhj bho khkh& qo r ` pkl ptkl mkh syc pkl

pho e hjp kl+ Py khok d ~hk pok lo ehkl e hk bc `k b b r ` dkl >+

oy k b ph loo phbh f `j ptjkl loco jk y o qj hjp kl& Bho khkh bhc b

phm kok q bhc b khkl ehbh hkl b khk b khy by lo pok khm mb bh

phckh pjk+ D ~hk bk fo ptjkl b by pok lo po PBD bho khkh bh Do f 9 p kl

pok lo bc bb p bhb eokh p (pkh phij r ` k hp 40*34*4>3>/+ Pok lo bc bb p

bhb eokh p po bho khkh bh bhom 0+23) ptjkl pkl pok lo& dcj lm pok lo ehkl e

hk (3+


20/34

Dkl 27 B by klyk pok lo (pho om 2>*1*4>33/

KLYK POK LO (PL/p R fkl(p QK@/ P ptkl()/

P BHB EOKH P 0 4+>>)

PL ehkl e hk 2 3+9>)

PL b e hk 3 >+9>)

@K B 3?1 ?8+>>)

PL phckh pjk b khk 4 3+>>)

PL ehkl e hk > >+>>)

PL b e hk 3?0 ?>)

Pkl Pok lo 4>> 3>>+>>)

P Dkl 4 q Dkl 2 b ph ph& d ~hk bhom p ptkl fk khp ptjkl b by

klyk pok lo f pok lo bc d ~hk `k b (ptk ?9)/& q pok lo fjo k po bho khkh

ehkl klkl loc pkl khckh b q r fkl pyp o q p ptkl+ Po pho om 2>*1*4>33&

Bho khkh b r ` pok lo phckh pjk b khk+ Py r ` bk kh& khkl bkl f

mp pk hoy kl mkl& q k ph hok bb ehbh hkl b khk dp y pok pkl qj

`bh q po ehjk pok lo phckh pjk bc bho khkh& pj khkl db pok bhj r ~hp

ptok bc bb rk ~hm pok lo phckh pjk b khk Bho khkh+

B by bc d ~hk qk qc ptjkl pkl qk hy kl7 kh ptjkl phkl e ~hk

ptk& klyk qk qc bhom p ptkl ehjkl 3>) ptjkl pkl qk hy kl bc bho khkh+

Klyk qk k PBD bho khkh bh Do phb bhp f pok phy q p qob ~hp hkh bb

lo p b lo& bh y f e ~hoy+

Bb ehjk qc& k ehb bc Bho khkh bhom `o 3) ptjkl pkl qk hy kl&

q dcj lm bh y f bb ehjk fo q ~h ~ho pt& bhc k hk phckh pjk+


21/34

^hk pbh xy hkl hy kl pkl klyk qk

Klyk pok lo7

Doy 27 Xy hkl hy kl Pok lo

Khk qj Doy 2 q xy hkl hy kl klyk qk Pok lo bhkl pc b ph

ph mp xy hkl pkl fk ptjkl b sy m qk hy kl pok lo q p ptkl bc klyk

qk k ptjkl b by pkl qk hy kl+ Ky kh ep phb km po ehc 4>3>& bho khkh

hy kl b pkl bkl 331 p kl pok lo& ph qj pho om ep phb sy OO km 4>33&

bho khkh hy kl b hk 4>> p kl pok lo& pb f pkl hk ) rcy 1 phkl&

pkl ptkl ptykl dkh p hk ?)*phkl+ Rcy 1 phkl y km 4>33& p ptkl klyk pok

lo ptjkl pkl r qk hy kl bkl pkl p 89+?2) fk 88+8?)+ Mp phb p f& klk

hkl bkl b p ptkl pok lo ptjkl pkl qk hy kl fk& pb f klyk qk po pt bhj

bb hjp kl bc klk hkl bkl b lo t q k kh ph bkl ph hok eh kkl hjp

kl hoy sy& eh kkl kkl bcj p ryp fo khyk bc pkl kl qk+ oy bkl b

klhc qo bho khkh Pibhbjmdcke bh Do& q bho khkh mo phkh f~& ckl bk khkl

klyk qk k kh& b bho ~h ehkl bcj& kh pok lo+


22/34

Klyk qk qc7

Doy 07 Xy hkl hy kl klyk qk qc

Khk qj doy ptk pc b ph ph b xy hkl hy kl qk qc bc bho

khkh ptjkl pho lock syc+ Byo phkl 1*4>33& bho khkh hy kl pkl bkl 42 p kl

pok qk qc p dk kljo po pt bhj bb hjp kl& pkl hk 43>+ P doy pc bkl b ph ph b& qj pho om byo phkl 3*4>33& qk pok

qc bc bho khkh pkl mkh& p l~ 4 fk rj qo 3 phkl ptb + f pho om m

pok lo hy kl b ehkl ~ kl bb khy by q qk bc bho khkh& kk bho

khkh pok hkh hy kl phm dkl bbh qc p ph ptkl po bhkh& bh y f phkl

syc ~hp hkh lo p b lo+ Kljo tc& pc bkl b ph ph p ptkl qk qc ptjkl b by

qk hy kl ckl lom `k (Dkl 3/& mp ~hk `j p ptkl pok lo q qk ehb pkl fk&

mp ~hk `j hjp kl bc bho khkh rcy eho phkh f~ `k k kh& ehkl bk bk po

pt khoy dkl qk o qc+


23/34

Klyk qk ehb7

Doy 97 Klyk qk ehb7

Bb klyk qk ehb bc bho khkh ko bhykl b sy m kh q p ptkl ptjkl pkl

qk hy kl kh& q ehkl b dok kl khoy ptjkl sy m bkl kh p ptkl+

Rj rkh qo b by qk h~ khp bc pjk h phkl Pibhbjmdcke

Doy 17 B by klyk qk hy kl bc Pibhbjmdcke km 4>3>7

(Klyk7 R foy f p Dj bj po bhkh km 4>3> eom pjk bc PBD/

Syc rj rkh 4 Doy 3 q 2 b ph ph7 Ky po bho khkh PBD bh Do& klyk

pok lo bhom p ptkl lk kh pyp o (hk ?9)/ ptjkl pkl qk hy kl& ph ptjkl b

by qk hy kl bc pjk h phkl Pibhbjmdcke& k bh bhom x~ x 9 klhk p

kl& kk hjk pjk b ph m tkl ekh hy kl qk rckl o qc q po pt dkl bb

klyk ehb kljo pok lo+ Py khok& bkl bk ~ho ph r pkl kl ptjkl b by hy

kl bc bho khkh q bc pjk h phkl& f p ptkl pok lo fyk fk khp+ @j

Pibhbjmdcke f mp klk hkl phkl mo sy m fk& qo r fkl bb locj `bh bb

fk& kk sy m bc klyk qk ~hp rokh ptjkl sy ptkh hjp kl p klho~ q kl

klho~ eh fk (hk 44 klhk p kl phij dj bj po bhkh eom pjk km 4>3>/& ehjk

mb k fm bhj p ptkl klyk qk hy kl ehb fk& q qp klyk qk o qc+

kh lo eho syp hjp kl hy kl qk po Pibhbjmdcke bho khkh bh

Do

Khkl ep sy p b


24/34

Doy 335 pkl 11+133& p mb 329 p kl (byo km 4>3>/ fk p mb 449 p kl (byo phkl

1*4>33/+ Sy m qk pkl fok pb& q tp k kh& pj pok bhj r hjp kl hoy sy&

ptk pty bc bkl pb pk `kl& y p& q bb bkl pb ehb bc bho khkh+ f mp

phkh pbh kl lho khk ptjkl sy ptkh hjp kl bc Bho khkh+

Ph hco& q eh kkl ~ kl bb khy by po pt bhj po rk p klyk qk hy

kl7 Bh poy pkl ` k bhj qc ptk pkl qk hy kl bc Bho khkh qj phij kh

phkl e k hp phkl 1 km 4>33 f 0?+>)+ Kh q& r qk hy kl

~ kl pjk d khy by pok bhj qc bc bho khkh& phm bh ` eh khoy po

pt bhj bb po rk b ehb bc bho khkh+ Kljo tc& p ptkl klyk qk b e hk kl

bkl fk hk rj qo klyk qk ehkl e hk& qk hy kl ko bhykl ~h h~ qo y

by r `kl& q m dj eh kkl phckh pjk bc bho khkh+

Ph dc& q r c `kl ptjkl b by klyk qk hy kl7 Ptjkl b by klyk qk

hy kl bc PBD bho khkh bh Do mp bho khkh klk hkl mo phkh f~ b lk

mp km& b mp eh khkl d ~hk klyk qk phkl b+ f qk p pok lo

dcj lm pok lo bc p bhb eokh p q bc `k b& b e hk q ehkl b e hk5 qk

p klyk o qc dcj lm o qc phkl syc hjp kl dk bb lo p b lo5 bb klykqk hy kl ehb dcj lm qk hkh phkh ptjkl sy ptkh hjp kl& p bho ~h hbh

pjk khkl bhc k hk pt& ++++ o qo mp bho khkh mo o qj hjp kl bhc fy& ph

b ph xim fm khkl phkh bkl db y ptjkl bkl pb hy kl qk ko bhykl& q

ptjkl qob phop f~ bb ekh hy kl qk c `kl& ~hjkl ~h qo r fkl k kh+


25/34

Khkl hk bh

Dk bkh khkl ep sy p b e ptk& bkl pb hy kl qk bc bho khkh qk

bk mp r om pk po& hk bh+ Bhkl hk kh7

Ptjkl b by klyk qk& p ptkl qk pok lo phckh pjk ko bhykl q bc d ~hk

ehbh hkl b khk bk tp kh& bhc pkl xkl qo eh kkl hy kl qk fjo

k bc bho khkh+

Qk hy kl bh y k p d ~hk `k b& bhc ehco phb b hoy sy klyk

qk pom kkl tp fk p d ~hk bb bkl p& p bhb eokh p& +++

B by qk hy kl bc Bho khkh bk b ph c `kl& ~hjkl ~h q bb fjo

hkh rk ~hm hy kl hk kc& `jckh r qk hy kl py pkl ptkl khckh

khkl bhc p fkl bcj+


26/34

Mp r klyk khk bh y bc khkl hk bh

Klyk khk bh syck7

Khkl klyk khk bh y phyb q dk phk bho khkh b ph `kl f loo bhj

khkl pk po ptk f7

Phm kok bhc khoy& y pk bhc b bcj

o kl bk d& khk qok bk mkl& ptkh bhc kl y& mp r bhc b ptkh

bhyk mk hc bcj+

Sy m bho khkh bk hk bh

Bhc y p phbh kl bhj bkl pb sykl d hkh kh bho khkh

Klyk khk ehbh syck

Pkh ptkl kk eokh p bhc k kh rcy ry phjo& bkl phm phy kh~ ptykl dkh

bc `k b khk bhykl bk bhc bcj& kk `k k eh kkl pbh f& pop eom& qy p ph~+

Pm f phbh lo pok mp q pho syik poy `kl dkl pok mp bc kl j `k

b qk bk fk& bhc b dok bhyk khoy rckl hkl r `kl bb ~hkl pok

~ho pok mp kh ph lho k& ph pk `kl& +++


27/34

^HK OOO7 LOO ^H^ PKL BKL HY_ KL QK PO KHPM B^ E

PHKL QOP KCM BHO KHKH BH DO

kh hkl ~hp ptok hjp kl eokh `jckh bc Bho khkh

Ptjkl hjp kl bc bb klk hkl phkl mo& hy kl qk q r `kl qk f

hco hjp kl b dk q syck ptkl khp+ Ptjkl & hy kl qk f klho~ q pok & k

pj oy eok pok syp bhj r hjp kl hoy sy bc klho~ q r `kl qk+ Syc ~hk

pbh pkh hkh phb p q bkl pb hy kl qk po bho khkh PBD bh Do& bhkl pc ph

b khoy ep sy kl lho khk& khkl phkh bkl dck y l~ ~hk ~ kl

khy by qk bhj hjp kl eokh `jckh bc klk hkl& tkl hk f po pt hoy sy bhj

khy by qk rk xyp eokh `jckh bc bb `jckh klho~& bb b khk& ~hb b b fb bhj

bkl byb ~hp ptok eokh p - x ho+ Mb poy bc bho khkh ptjkl pho lock po f pkl

ptkl klyk qk hy kl q m tkl pk `kl hk kc+

Bhkh rbh bc Kh kb q `ok dok bc ph ptkl ph loo

E p rcy pho om byb ehkl hjkl po bhkh fck tc ~hm qo pjk by& byb o

ry phjo fk bhc pkl b ptjkl fbh r ej bhm fo kk eokh p ph loo q khkl mp

xbh bc k& ehkl fjo pt Qop Kcm+ B ph ko& khkl km pt fo f khkl locojk hp rb eh ehk& ehkl bh eh ehk bhj khkl `jckh klho~ rk xyp eokh

`jckh& ptjkl sy ptkh hjp kl& m bk f khkl loco jk ph fc qo kh oy hkh

bhkh rbh+ Bhkh q q& Bhkh ~h dck hkh tp khoy khkl klh syp& bh ph b

lkl k kh eokh p q m& khckh bhkl qp syc khkl loco jk eh ehk k+ Phij

pokh phk q ko `ykl bb Klh syp bc Syb ho& kh Klh syp r >4*KS-B^ `j

Bhkh ~h dck hkl qj kl >? phkl >3 km 4>33 q khkl loo ~h~ bh y bh j&

oy hkh phb hok e hjbh ~hp ptok eokh p - x ho q ` pjk klk rbh kh kb

km 4>33& q b dop f klh syp r 33*4>33*KS-B^ bc Bhkh ~h q khkl loo ~h~

bh y p~ ptykl eom bh fm ~hp& k kh eokh p q m& dj m ck rokh x ho7

phb hok mb poy eom bh fm ~hp& k kh eokh p q m& dj m ck rokh x ho&

Bhkh ~h y by bb D ptkl& Ph ptkl b syck klckl D& b syck phyb Bhkh

~h& Bh pbh Y dck khk `k pkh& phkh ~h ptb phyb Ptykl kl& Bh pbh Ho kl


28/34

syk pt& Ho kl phkh qok& Pkl lom b bb p~ jk eokh p& pkl bkl p& `jckh

klho~ kh kb p~ ptykl bh j& phb hok mp r loo ~h~ bh y rcy 7

Phb hok bhkh rbh pok p bhp bh& phk ptkl7 ep h~ ho hc hco bhkh rbh po

ehc pok p eom bh fm ~hp& oy hkh& eom rjp m dj pkl ptklpk `kl km 4>33 ò 4>)& pkl ~hkl pok phckh pjk pkl 39) - 31)5 oy

hkh fokh hjp& bh kl bb bkl b bhkh rbh pok p& khp f fo ryp q fkl

pok bykl kl5 oy hkh p lo q ph ptkl fokh hjp& ~h h~ òk dok ph

ptkl& +++

Phb hok bhkh rbh po ehc php bhp& bp lom y p bkl& lom do bho klk

rbh Kh kb7 D Po bhkh ~ho h~ qo bb b syck c ~hkl phb hok lom

do bho klk rbh km 4>33 xykl ò 9) L@^& lom rp bhp bh qob qc& pt

k kb kljo bc bb `jckh klho~& khp f qc klk hk+

Phb rk xyp eokh `jckh& oy bhkh lo ok& xkl `y lk qo h pt h

klhj& pkl bkl dj m ck rokh x ho& +++

Kh bhkl pc ph& òk dok bc ph ptkl ptjkl kb q ph loo loco jk qc

syc tp ~hb p~& l kh hkl ehkl kh k bb bkl pb& hjp kl bc pp b bb

klkh rk xyp eokh `jckh& ptjkl b klkh klk hkl+ Ep h~ qo pkh hkh dokkl f khkl sy kh ~h~ f bc Kh kb oy bhkh hjp kl bc bb klk hkl

phkl mo ko bhykl& q hjp kl bc Pibhbjmdcke ko tokl+ Ptk b r khkl bh

j phb pok& khkl ~hkl hkl q loo ~h~ bh j bc Bhkh ~h& bc klk hkl

kh kb& Pibhbjmdcke bho khkh bh Do c tc kh hkl hjp kl bc mkh

qc m dj mb poy pkl ptkl bkl kh fo khyk bc bho khkh& qc m dj pyk

ph bhp bh q klhom pb bb sy kh& bh j bc kh kb+

kh hkl bc Bho khkh

kh hkl ~hp ptok bc bho khkh ptjkl pho lock po f7

P bhb phb hok pp mo khom q bhkh pt bc klk hkl phkl mo b ~hk e

phkl ko bhykl& q bc bho khkh ko tokl+ M tkl mkl fo hy kl qk


29/34

lk qo pkl ptkl ` k fkh mkh+ Bjo ptkl bkl pb bk d& `y pt qob b

bk d o hb bb f~ do `kl klho~ q khm kkl bcj ptkh bhyk mk

bhj bk d& ehyk ehbh p hb p~& p j pj& q ptcj o eokh klhom fk khcy

ptjkl ko d b syck+

Ptckh ph r kl h& lo~ bc bb b~ fkh j bhkh syk c ~hkl& bb

klkh& jk ph& pj rb mkh pkl h~ h pt b fb bhj bkl pb eokh `jckh& x

f pp bb klho~ q& bhkl hk kh x f po rk m dj pok qc& loo syp bb

ehoy ko& ptckh bh~& +++

Kkl bcj phb bh~ hkh b bh& bhkh rbh & pkl bkl eom ptc& eom rjp ko

d& khm kkl bcj hoy sy eokh `jckh q lom phoy to tj+

Pbh bb phcm loc bb hjp kl& ~hjkl ptj `j klkh& c ~hkl ~hp kl

Loo ~h~ pkl bkl hy kl qk

Hjk phok q m tkl bb hkh phb hy kl qk

Dcj lm hjk phok q m tkl bb rk ~hm hy kl pok lo& bhkl hk kh7

pok lo pop eom& pok lo phckh pjk& pok lo r `kl ph& pop eom b phkl& pop eom

pbh fy+ b dop& bho khkh b ph pok hkh m tkl bb rk ~hm hy kl pok lo rk

b qo khkl pkh bhp mo pkl phm kh pop eom hkl fo db phckl pj bhj ehbh

hkl lo pok b b fo bh po c khp& hc kh pop eom b mb bh pop eom r

`kl bhj mb bh kj ptjkl pkl fco bhkl hk kh myc xi p& x kh& `kh pok

bhj bjk bo o `y hb& ++++ Kljo tc& bho khkh bk mkh qob r `kl b hoy sy bb

rk ~hm hy kl dkl qk qc q r `kl fokh hjp bb klyk qk ehb bkl pb

hy kl qk b ph p b bhp fkl q r fkl po y+ Qob ~hp ptok bb rk ~hm&`bh q mo fyk ~ho o o qo pkl bkl& bo phok bhp fkl bb `bh q& rk ~hm&

hjp kl bc klk hkl kl bkl hoy sy+ B ~hp ptok b r fkl q b dop f

bhp fkl bb rk ~hm ph klk hkl mo b ph p b khkl mb poy bc mkh& kh


30/34

mb poy pkl ptkl& fo khyk tkl& hc khkl mb poy b ph hk kh mb poy qk

hy kl ptjkl e& ` k pk `kl ptjkl e +++

^hp ptok bb rk ~hm mo

Rjkl rjkl qo hjk phok bb rk ~hm b& m tkl bb rk ~hm b& bho

khkh bk bh ~hp ptok khkl rk ~hm mo& mckl pkh p ~h& pj fo ph bkh ptckh

pp hk bhj bho khkh ptjkl hjp kl hy kl qk+ Ptjkl fb m bkl klh fok pb o

mo& bkh ptckh `ok tc hkl kl& hkl lo tp lc lp& ph khkl rk ~hm mckl pkh

rkl pj& p ~h r f hp rb bk phop bhj hjp kl bc dp b `jckh klho~ kj+ R

rkl pj b ph phb hok dkl mp r bo pok khkl bo rk b ptk ph ptkl phij

hkl mckl fo khoy fo bh hk& hjb f mp r o mo& mp rk ~hm mckl pkh bbh

mkl+ Pp khok& qob y p b klhok by ~hp ptok rk ~hm mo bkl ehkl ~ho f t&khkl bhkl pc b ph ph tp t tkl khkl phkh bkl fk bc khkl rk ~hm kh ph

ptk ph ptkl+ Mp ptjkl khkl phkh bkl bc Pibhbjmdcke f bhj tc o rk ~hm

ph Pibhbjmdcke ANrp Cbbirr& hc lk f rk ~hm Lo po ehjk kkl kl& +++


31/34

Pkl bkl bkl pb bhm rb ehbh hkl

Bb `jckh klho~ phm bh hjp kl b phm kok khkl khoy eho bhc bh

ptkl bkl pb bhm rb ehbh hkl& kk r y ph bkh ptckh phy hp ehbh hkl hk

khkl `jckh klho~ ehb dop fm pp bkl pb k+ Ehbh hkl fyk f klo dk kl

hkh& klo dk b fok h ptb po~ khp& q h kl bkl y by khoy hk bb `bh q

pp& khoy hk r pok klho& q phjo mo eho pok hkh m ~hk& locj `bh qo klk hkl+

Phb p bhj ph& ky fm pp bkl pb ehbh hkl& bh ptkl `bh q ehbh hkl& bhkl

hk kh7 Khk qok po~ o ehbh hkl k locj `bh bhk phkh& kom k& mo bk d

y hoy t ehbh hkl& hoy t khkl l h bk& +++ ph klk hkl r b mp b r ehbh

hkl pp& ehkl bh ehbh hkl b r ehkl d klk hkl m khkl ehbh hkl mo&pom kkl r b phy hp k qo klk hkl+ Syc lo~ mkh ehkl bh bkl pb

hy kl qk m bk b bb klho~ q po rk b ehb bc klk hkl+

Bh ptkl k bhkh rbh khk r

Bhkh rbh khk r tp syck ptkl qo dp b `jckh klho~ kj+ Do& bo bp fo bc

mo klho~ q& mo locj `bh b pok hkh qk f r phcm loc bc bjk klo& khk r

pp& b ptkh & b e kkl r ehkl bh lo~ bhj bkl qob b hjk phkh mp bbh

khckh bhkl& hoy sy khp& m bk pj bhj klk hkl mp rb mkh fk loo syp bb

eh ehk& khk qok bhp fkl r dop pm bbh pj khkl mo syck h pp ~ qo ehbh

hkl& o pb& phb hjp kl bhykl bc klk hkl o fk+ Bhkh q q& bkl pb do

`kl klho~ q& kkl bcj ptkh bc khk qok bk b bh ptkl& syck pm b dop&

q bkl pb k bkl bk ~ho b pok hkh phkl xyk& ptjkl ryp sy ptkh hjp

kl+

mkh bhkh rbh Mcteipokl

Loo ~h~ po~ phij f pkl bkl& mkh bhkh rbh Mcteipokl+ P b ph

`jckh klho~ m bhkh rbh mcteipokl b ph mckl khkl my rb ehb khcy& khkl b

mp om bhykl f `jckh klho~ kj bkl bk b mcteipokl hjp kl q ~hp ptok+

Fkh j bho khkh bk bh ptkl k bhkh rbh mcteipokl& c tc khkl bhkh rbh q


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hjp kl ~h h~& khm xb pok& mkh hjp kl bc klk hkl& kh7 po~ pho bb

rk ~hm mo& pok hkh klhok by ph ptkl& klhok by ~hp ptok bb rk ~hm mo

~h h~ qo c dk& pj hkh kh q y pk bc klk hkl ptjkl bkl kl `k b& +++ Bk

b dop k r ep h~ bc bb bhok fb& bhkh rbh& bhkl hk kh bk b r ~h h~

ptjkl bhok fb rk ~hm bc bho khkh qo bhok fb fo ryp& q bhok fb xb pok

kh sykl bj& po~ ph& +++ pj tc khkl bhkh rbh mcteipokl hk h~ hoy sy khp& p

phy hp khoy hk ehbh hkl& ~hb q b fb bhj klho~ q hy kl qk bc klk

hkl+

Pkl bkl bkl klh q ptckl phop d syk f hok o

mkh o mo bkl klh hok o & ckl q r f mp hkl o kl k bc

bb klk hkl+ Do& ~ `kl khoy hk khkl phkh py ehjc hb e phyp ptjkl fkh qbklk hkl r lo~ pj khkl fo ph bkh ptckh pp bhj klk hkl& lo~ lom bho ~h& pkl

kkl ryp q hoy sy hjp kl& pkl hoy sy syk f bc pjk h phkl ko bhykl& q

hoy sy hjp kl hy kl qk ko tokl bc pkl bho khkh+


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EP FYK

H phkl klk hkl bc bhkl pc ckl pkl db ptkl phkh+ Bb klk hkl

phkl mo kl bkl hjk phok hk q bb klho~ q& qo bhb kkl b dk f fm ptykl

lock bhyk qk p bh ph ` phc rckl bh ph phoy hp q ckl kl qco pt hp rb

syck ptkl ptjkl qob hy kl qk po pt bhj y p& ~hp ptok rk xyp& pkl bkl

ck rokh x ho& bhj r pkl ptkl k pkl bc kk eokh p& bhj r ~hp ptok mkh m bc

p kb+ Rjkl rjkl qo bkl pb b~ pk `kl bhj kk eokh p& qob bh ptkl bkl pb hy

kl qk bkl hp rb b klhc qo bb klk hkl phkl mo& do hy kl qk f y

p phik bhp& dk f m dj bhj r hjp kl dkh phkl q b hoy sy bc klk hkl+

Bb klk hkl phkl mo ehkl klkl kkl bcj eh kkl bkh ptckh& phy hp khkl

klyk pok khk to ptjkl `k b ehkl kh q pt bc mkh& bkl kh pj b r bhj r

pk po q ~hp ptok bc bhkh klk hkl phkl mo+

@j phb p hjp kl eokh `jckh bc bb klk hkl phkl mo q bkl ~hjkl

~h& c `kl& bkl qo pho lock phb p~ bkl kh ptkh dk phk bk hk bh kk do

qop ehkl ph ptkh b khkl om bhc hjk bhkh q ko `ykl bkl kh hkh phb+

Py khok& im h qkl ptjkl do bkh hok kc& eho m kk eokh p bhc ho ~hb hjk

pjk rcy ry phjo& hjp kl hy kl qk bc khoy klk hkl ckl l~ khkl eh

ehk& qob klhok by phb ptkl q c tc khkl loo ~h~ b ph l~ ~hk kj ptjkl

qob pm tc mp hkl o phbh h~ bhj bkl pb hy kl qk bc bb klk hkl phklmo ko bhykl q bc Pibhbjmdcke bh Do ko tokl+


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PO FOY PHCM EHJ

Loj ptkh Klk hkl phkl mo Klyk Qk Pok& HQ Klk hkl

Rbh Syk pt klk hkl phkl mo ^ipit Tjri

Fyp bb p bhb pk `kl Qop Kcm r 03>*SH34

Bb qk dk ~h~ f fok syck7 Klh kh r 33*4>33*K-B^& Klh kh r

>4*4>33*K-B^& Bh ph r >3*BP-KHKK+

Phcm ehj bb |idropi7 |||+ibjkjm+qk& |||+qkibjk+qk& |||+rdq+ljq+qk& +++
http://var/www/apps/conversion/current/tmp/scratch16434/www.http://var/www/apps/conversion/current/tmp/scratch16434/www.http://var/www/apps/conversion/current/tmp/scratch16434/www.http://var/www/apps/conversion/current/tmp/scratch16434/www.http://var/www/apps/conversion/current/tmp/scratch16434/www.http://var/www/apps/conversion/current/tmp/scratch16434/www.

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