Wecf
5
nj
1
BVYHNNY JDLELAF MDBDYFI
DLYF[ NJJDAF BFBN[ELIVB
Jrnb, Hubel [fsnuraf Ifpertbflt Anrpnretf Njjdaf (Qnuth) Buthnnt Jdlelaf Mti. Kelcemnrf, @erlete`e Yn, Emm thf Krelah Hfeis/ Amustfr Hfeis/[fcdnlem Hfeis & _nlem Hfeis dl @Y@, YL-L, YL-Q & YEW _nlfs.
DNBLn;578;7DNB (H[IKM[) 713 Ietf? ;7.78.;7;5 QF[ZDAF FXAFMMFLAF [FSE[I
Nur Anbpely hes kffl shnwdlc fxafmmflt trea` rfanri dl kusdlfss crnwth es wfmm es dbprnvfi prnjdtekdmdty fvfry yfer, es e rfsumt nj thf heri wnr`, eatdvf dlvnmvfbflt eli an-npfretdnl nj nur fbpmnyffs dl emm mfvfms whn erf anltdludlc dl sfrvdaf jnr rfber`ekmy mnlcfr pfrdnis. Sf hevf dltrniuafi verdnus bnlftery rfweri sahfbfs tn nur fbpmnyffs, dl eiidtdnl tn jrfquflt prnbntdnls tn hdchfr creifs nl thf kesds nj pfrdnidaem pfrjnrbelaf. Lnw, thf Belecfbflt hes ifadifi tn fxtfli e aesh rfweri sahfbf (Qfrvdaf Fxafmmflaf [fweri) tn thf fbpmnyffs dl thf jnmmnwdlc creifs, kesfi nl thfdr mflcth nj sfrvdafs dl thf Anbpely , es dlidaetfi ecedlst feah creifs?-
Qm Ln. Creif [nmf dl Krelahfs Qfrvdaf Fmdcdkdmdty es nl 15/78/;7;5 Nlf tdbf [fweri Bnlfy (
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5 Njjdaf Essdstelt O[F,[F,Q[F 5; bnlths ;7,777 ;9 bnlths ;7,777 1: bnlths ;6,777 ; EB-D & DD ;li mdlf dl Krelahfs 5; bnlths 17,777 ;9 bnlths 17,777 1: bnlths 17,777 98 bnlths 17,777 :7 bnlths & eknvf 17,777 1 Krelah Hfei 5; bnlths 97,777
Wecf
;
nj
1
EB-D & DD , Belecfr- D,DD,DDD, QB & AB ;9 bnlths 97,777 1: bnlths 96,777 98 bnlths 67,777 :7 bnlths & eknvf 67,777 9 EB-D & DD , Belecfr- D,DD,DDD, QB & AB Amustfr Hfeis 5; bnlths 67,777 ;9 bnlths 67,777 1: bnlths 66,777 98 bnlths 66,777 :7 bnlths & eknvf :7,777
Nthfr tfrbs & anlidtdnls?-
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Qfrvdaf fmdcdkdmdty nj thf fbpmnyffs wdmm kf rfa`nlfi es nl 15/78/;7;5. ;)
Qfrvdaf Fxafmmflaf [fweri wdmm kf pedi G67% dl Jfkruery ;7;; eli thf rfbedldlc 67% wdmm kf pedi dl Eucust ;7;;. 1)
Dl thf aesf nj prnbntfi fbpmnyffs, thfy shnumi hevf anbpmftfi e bdldbub pfrdni nj 8 bnlths dl thfdr prfsflt creif/rnmf es nl 15/78/;7;5, dl nrifr tn kfanbf fmdcdkmf jnr thf aesh rfweri eppmdaekmf tn thf prnbntfi creif. Dj thf pfrdni ds mfss thel 8 bnlths, thf rfweri bnlfy es eppmdaekmf tn thfdr prfvdnus creif/rnmf wdmm kf pedi. 9)
Fbpmnyffs whn erf anltdludlc ulifr lntdaf pfrdni nl eaanult nj rfsdcletdnl, wdmm lnt kf fmdcdkmf jnr thf [fweri bnlfy. 6)
Dl aesf ely fbpmnyff whn rfafdvfi 5
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peynut ds rfsdcldlc jrnb sfrvdafs kfjnrf thf ;
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peynut, thf ebnult pedi emrfeiy wdmm kf rfanvfrfi jrnb thf anlafrlfi fbpmnyff. Ifadsdnl wdth rfceri tn thf anltdluelaf nj thf Qfrvdaf Fxafmmflaf [fweri kfynli thf yfer ;7;; wdmm kf te`fl nl thf kesds nj thf jffikea` tn kf rfafdvfi jrnb thf [fcdnls.
Wecf
1
nj
1
D eb surf thet emm thf fbpmnyffs wdmm epprfadetf thf Qfrvdaf Fxafmmflaf [fweri sahfbf ellnulafi ky thf Anbpely es e rfancldtdnl jnr thf cnni wnr` inlf, eli es e bntdvetdnl tn anltdluf dl nur sfrvdafs wdth thfdr kfst fjjnrts jnr te`dlc thf dlstdtutdnls tn jurthfr hfdchts & cmnry fvfry yfer dl juturf. Jnr ely amerdjdaetdnl, pmfesf anlteat Br. Qheret Buidmder 787 :891:444 ( Fxt ? 176) Qheret.bGbuthnntcrnup.anb et H[I Ifpertbflt et AN (Qnuth), Kelcemnrf.
CFN[CF EMFXELIF[ BVYHNNY BELECDLC ID[FAYN[