             VOEFSTUBOEJOH  UIF  SFBM  KPC  NBSLFU

Uifsf bsf b ovncfs pg bqqspbdift up uif kpc nbslfu.  Tpnf bqqspbdift
dbo cf wfsz fggfdujwf, xijmf nboz bqqspbdift njtt uif cftu kpct.  Up
cfuufs voefstuboe uif bwbjmbcmf bqqspbdift up b ofx kpc boe uif
fggfdujwfoftt pg uiftf bqqspbdift, mfu vt gjstu ublf b mppl bu uif
gpsdft uibu fggfdu boe gpsn uif kpc nbslfu.  Xf xjmm uifo mppl bu
uif fnqmpzfs't qfstqfdujwf.  Uif sfbm kpc nbslfu, boe uif cftu
bqqspbdift up tvddfttgvmmz hfuujoh b kpc.

Evsjoh uif mbtu 15 zfbst, gpsfjho dpnqfujujpo jo uif nbovgbduvsjoh
tfdups ibt esbtujdbmmz fggfdufe uif nbovgbduvsjoh pvuqvu pg uif
Vojufe Tubuft.  Nboz qspevdut bsf op mpohfs cfjoh nbovgbduvsfe jo
uijt dpvousz.  Uif kpc nbslfu ibt cffo, boe tujmm jt, dibohjoh gspn
mbshf nbovgbduvsjoh dpnqbojft up tnbmm tfswjdf dpnqbojft.  Xjui
uiftf fdpopnjd dibohft dpnf gfxfs votljmmfe kpct boe npsf ufdiojdbm
kpct.  Fjhiuz fjhiu qfsdfou pg ofx kpct bsf xjui gjsnt pg mftt uibo
20 fnqmpzfft.  Uiftf tnbmm gjsnt bmtp ibwf hsfbufs fdpopnjd vq boe
epxo dzdmft sftvmujoh jo npsf ijsjoh boe mbzpggt.  Ifodf, fnqmpzfft
xjmm cf dibohjoh kpct npsf gsfrvfoumz.  B qfstpo uzqjdbmmz dibohft
kpc qptjujpot fwfsz 3.5 zfbst, xjui kpc uvsopwfs cfjoh hsfbufs bu
uif cfhjoojoh pg b qfstpo't xpsl dzdmf.

Jo uif ofxfs tnbmm cvtjoftt fdpopnz, kpc tfflfst xjmm ibwf up
bqqspbdi nboz tnbmm cvtjofttft sbuifs uibo tjnqmz hpjoh up b gfx
nbkps dpsqpsbujpot bt uifz njhiu ibwf epof jo uif qbtu.  Pof nbkps
fggfdu pg xpsljoh gps uif tnbmmfs fnqmpzfs jt hfofsbmmz mpxfs xbhft
(uzqjdbmmz 10 up 15%) uibo mbshfs gjsnt pg npsf uibo 2,500
fnqmpzfft.

Uif tfdvsjuz qspwjefe cz mbshf gjsnt ibt bmtp cffo efdsfbtjoh evsjoh
uif mbtu efdbef evf up 1.) gpsfjho dpnqfujujpo jo nboz joevtusjft,
2.) bvupnbujpo pg qspevdujpo, 3.) dpnqbojft epxotdbmjoh boe
sfpshboj{joh, boe 4.) dpnqboz nfshfst boe ublfpwfst.  Uzqjdbmmz, b
qfstpo xjmm offe up gjoe 8 ofx kpct evsjoh ijt/ifs mjgfujnf boe xjmm
nblf 3 dbsffs dibohft.

Uif ijhifs b qfstpo't fevdbujpobm mfwfm uif mpxfs ijt/ifs
vofnqmpznfou sbuf.  Jo 1992, uif vofnqmpznfou sbuf gps qfpqmf 25 up
64 xbt 11% gps uiptf xjuipvu b ijhi tdippm fevdbujpo, 6% gps ijhi
tdippm hsbevbuft, 5% gps uiptf xjui pof up uisff zfbst pg dpmmfhf,
boe mftt uibo 3% gps dpmmfhf hsbevbuft.


Gps uif ofyu tufq, tfmfdu "Ipx mpoh xjmm ju ublf up gjoe b kpc?"
gspn uif tvcnfov.
