Credito Público - Relação de consumo
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Transcript of Credito Público - Relação de consumo
8/2/2019 Credito Público - Relação de consumo
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\deigil E=
\deigil= H{åieya Výk`eha
8/2/2019 Credito Público - Relação de consumo
http://slidepdf.com/reader/full/credito-publico-relacao-de-consumo 2/19
7
\ d e i g i l = H { å i e y a V ý k ` e h a
\deigil= H{åieya Výk`eha
7$ H[ÅIEYA VÝK@EHA
A yl{na h{åieya yln a{ebln ia `gyen h{liey|n , w|l va{ x|g zl} xl a{ebedgig vg`gz{g h{lil{l , w|l yln hana xebdejehgia hadjegdâg$ @aba, ylnax w|l
h{åieya å hadjegdâg$
G Hadxyey|eâèa Jlil{g` vaxxeke`eya| ga Lxygia ljly|g{ avl{gâülx il
h{åieya ln bl{g`, xak gx ngex iezl{xgx naig`eigilx l, ga nlxna ylnva,
vl{neye| w|l g `le a{âgnldyç{eg gd|g` il hgig ldyeigil va`îyehg v{lzexxl g
hady{gygâèa il avl{gâülx il h{åieya va{ gdylhevgâèa il {lhleygx #¢ 3½ ia g{y$
7:<%$ L ngex, vg{g gxxlb|{g{ a lsl{hîhea ilxxg jgh|`igil lshlvheada| igv{aekeâèa il zedh|`g{ gx {lhleygx il envaxyax g ø{bèax, j|diax a| ilxvlxgx
vl{neyedia, lsv{lxxgnldyl, g v{lxygâèa il bg{gdyeg dg hady{gygâèa ilxxgx
avl{gâülx il h{åieya #g{y$ 7:2, EZ ig HJ%$
7$7$ K[LZL CEXYØ[EHA
Ldhady{gnax {l`gyax dg cexyø{eg w|l ilxil g gdyeb|eigil mç xl jg`gzg ln
h{åieya výk`eha$
Cg{gig dg{{g w|l yln {l`gyax cexyø{ehax adil Hg{ygba yangzg iedcle{a
lnv{lxygia il {angdax {ehax vg{g h|xylg{ edilde}gâülx envaxygx gvøx g
b|l{{g il ]gng$
Dg Eigil Nåieg l{g han|n lxxl yeva il dlbahegâèa$ Xø w|l a
lnv{åxyena ln iedcle{a, gyå ax v{enle{ax xåh|`ax ig Eigil Nail{dg, l{g
hadxeil{gia dlbøheax ldy{l ax v{îdhevlx$ Dèa yedcg h|dca cl{lieyç{ea, g iîzeig
l{g vlxxag` l edy{gdxjl{îzl`$
Mç dg åvahg nail{dg, w|gdia hanlâa| aha{{l{ g xlvg{gâèa ldy{l ax
kldx ia [le l ax kldx lxygygex, a lnv{åxyena výk`eha vgxxa| g xl{ |n
v{ahlxxa jedgdhle{a ia Lxygia, l v{edhevg`nldyl, vgxxa| g xl{ hady{a`gia vl`ax
{lv{lxldygdylx ia vaza$
Caml, a lnv{åxyena výk`eha å il lsy{lng enva{yëdheg vg{g g zeig
jedgdhle{g ia Lxygia, vaex hadxyey|e.xl |ng jadyl il g`hgdhl igx jedg`eigilx
výk`ehgx$
8/2/2019 Credito Público - Relação de consumo
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;
\ d e i g i l = H { å i e y a V ý k ` e h a
7$;$ HADHLEYA
Dg iljedeâèa il @gjgulyl Max|å Vlyyl{ #Ie{leya Jedgdhle{a, li$ 9, ;665%,
h{åieya výk`eha å ‐hana |n v{ahlxxa jedgdhle{a hadxexyldyl ln zç{eax nåyaiax
il akyldâèa il iedcle{a vl`a Lxygia, xak g hadieâèa il ilza`zl{, ln bl{g`,
gh{lxheia il m|{ax l ildy{a il |n ilyl{nedgia v{g}a v{llxygkl`lheia„$
G ia|y{edg ln bl{g` xl |ye`e}g ediexyedygnldyl igx lsv{lxxülx
lnv{åxyena výk`eha, h{åieya výk`eha l iîzeig výk`ehg$
A|y{g vg{yl iljldil w|l g lsv{lxxèa h{åieya výk`eha å ngex gk{gdbldyl
ia w|l lnv{åxyena výk`eha$ A h{åieya výk`eha yl{eg i|v`a xldyeia, ygdya vg{g gx
avl{gâülx w|l a Lxygia {lhlkl iedcle{a hana ax hgxax ln w|l ja{dlhl
iedcle{a vg{g yl{hle{ax$ A lnv{åxyena výk`eha xl hadjeb|{g{eg gvldgx dax hgxaxadil a Lxygia {lhlkl vlhýdeg xak v{anlxxg il ilza`zí.`a da j|y|{a,
da{ng`nldyl ha{{ebeia va{ m|{ax$ Mç g Iîzeig Výk`ehg gk{gdbl ax lnv{åxyenax
hgvygiax da nl{hgia jedgdhle{ax edyl{da a| lsyl{da, gy{gzåx il hady{gyax
gxxedgiax han kgdhax l edxyey|eâülx jedgdhle{gx a| ia ajl{lhenldya il yîy|`ax
ga výk`eha ln bl{g`$ G iîzeig výk`ehg dgig ngex å ia w|l a {lx|`ygia il |n
lnv{åxyena výk`eha$
Dlxyl ngyl{eg`, va{ hadxeil{g{nax w|l da gya ig avl{gâèa il h{åieyavýk`eha a| lnv{åxyena výk`eha a Lxygia g|yangyehgnldyl h{eg |ng ak{ebgâèa
ildanedgig iîzeig výk`ehg, y{gkg`cg{lnax H{åieya, Lnv{åxyena l Iîzeig hana
xedùdenax$
7$8$ DGY\[L]G M\[ÎIEHG IA H[ÅIEYA VÝK@EHA
Dg ia|y{edg k{gxe`le{g ldhady{gnax kgxehgnldyl 8 ha{{ldylx xak{l g
dgy|{l}g m|{îiehg ia h{åieya výk`eha$
7$ Yla{eg Gya il Xakl{gdeg= iljldil w|l a lnv{åxyena výk`eha å |n
xenv`lx gya il xakl{gdeg, w|l xl hadjeb|{g gvldgx |n gya |de`gyl{g` ia Lxygia
{lx|`ygia ia vail{ il g|yailyl{nedgâèa l g|ya.ak{ebgâèa, l gxxen, dèa
lxygdia x|mleya g w|g`w|l{ yeva il hady{a`l, edh`|xezl m|{exieheadg`, dèa cgzldia
dgig w|l ak{eb|l a Lxygia g h|nv{e{ han x|gx ak{ebgâülx w|gdya ga
vgbgnldya$
8/2/2019 Credito Público - Relação de consumo
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8
\ d e i g i l = H { å i e y a V ý k ` e h a
;$ Yla{eg Gya @lbex`gyeza= iljldil w|l a lnv{åxyena å |n {lx|`ygia
il |n gya ia `lbex`gyeza, vaex gx vg{ylx xø vail{egn gil{e{ gw|e`a w|l lxyç
lxygkl`lheia dg `le$ Ga hady{ç{ea ig yla{eg ia gya il xakl{gdeg, a Lxygia lxyg{eg
x|mleya g `le w|l l`l nlxna l`gka{a|$ Lxyg yla{eg dèa ilesg il hadxeil{g{ a
h{åieya výk`eha hana |n hady{gya$
8$ Yla{eg Hady{gy|g`= iljldil w|l xl y{gyg il |n hady{gya, xldia
nýy|a, han v{g}a hl{ya g {lxyey|e{ ax zg`a{lx$
G yla{eg ghleyg vl`g ngea{ vg{yl ig ia|y{edg å w|l g dgy|{l}g
m|{îiehg ia h{åieya výk`eha å hady{gy|g`$
Bl{g`ia Gyg`ekg, iljldxa{ ig ylxl hady{gy|g`exyg hadhley|g H{åieya
Výk`eha hana ‐hady{gya vl`a w|g` g`b|ån y{gdxjl{l g |ng vlxxag výk`ehg.
xlmg l`g va`îyehg a| nl{gnldyl ginedexy{gyezg. hl{yg w|gdyeg il iedcle{a,han g ak{ebgâèa ilxyg il ldy{lbg{ eb|g` w|gdyeg il iedcle{a, han a| xln
zgdygbldx vlh|deç{egx, da v{g}a hadzldheadgia$„
7$9$ H[ÅIEYA VÝK@EHA S [LHLEYG VÝK@EHG
Vg{g ia|y{edg ngma{eyç{eg, h{åieya výk`eha dèa vail xl{ hadj|dieia han
{lhleyg výk`ehg$ Exxa va{ w|l a h{åieya výk`eha dèa g|nldyg a vgy{enùdeavýk`eha, vaex ga ldy{g{ ln hgesg g|yangyehgnldyl yl{ç x|g ha{{lxvadiídheg da
vgxxeza lxygyg`$ A| xlmg, hgig xang w|l ldy{g dax haj{lx výk`ehax, g yîy|`a il
lnv{åxyena výk`eha, ha{{lxvadil g |n ilzl{ il {lxyey|eâèa ia zg`a{ ildy{a il
v{g}a ilyl{nedgia$ Mç g {lhleyg výk`ehg, hana mç jae ieya ln \deigil gdyl{ea{,
ha{{lxvadil ga edb{lxxa il {lh|{xax gax haj{lx výk`ehax, xln w|g`w|l{
hady{gvg{yeig, w|l xl edha{va{gn il ja{ng iljedeyezg ga vgy{enùdea lxygyg`$
Zg`l {lxxg`yg{ w|l a lnv{åxyena výk`eha vl{il| a xl| hg{çyl{ il nlieig
lsy{ga{iedç{eg vg{g dèa hady{g{eg{ a V{edhîvea ig Lsh`|xezeigil, w|l v{aîkl w|l
yldcg dg @le A{âgnldyç{eg iexvaxeyeza lxy{gdca g v{lzexèa il {lhleyg l
g|ya{e}gâèa il ilxvlxg$
Caml xl ya{da| |ng avl{gâèa vl`g w|g` a Lxygia {lha{{l ga nl{hgia
edyl{da a| lsyl{da ln k|xhg il {lh|{xax iax w|gex dlhlxxeyg, ilzeia, ln
{lb{g, g edx|jeheídheg ig g{{lhgigâèa y{ek|yç{eg, gxx|nedia g ak{ebgâèa il
ilza`zl{ a hgveyg` dgx hadieâülx va{ l`l jesgigx l va{ exxa g`b|dx
ia|y{edgia{lx hg{ghyl{e}gn ax lnv{åxyenax hana {lhleygx env{øv{egx$
8/2/2019 Credito Público - Relação de consumo
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9
\ d e i g i l = H { å i e y a V ý k ` e h a
Lxxg h`gxxejehgâèa ygnkån xl iç va{ ldhady{g{nax g Hady{gygâèa il H{åieya
xl ldhady{g{ dg h`gxxejehgâèa hadyeig dg @le 98;6!:9 hana [lhleygx il Hgveyg`$
Akxl{zl w|l a lnv{åxyena iexyedb|l.xl iax y{ek|yax va{ dèa yl{ hg{çyl{
hanv|`xø{ea$ Ln {lb{g, ax y{ek|yax dèa vaxx|ln v{anlxxg il ilza`|âèa, ga
hady{ç{ea iax lnv{åxyenax výk`ehax w|l a Lxygia xlnv{l gxx|nl g ak{ebgâèa
{lxyey|e{ a hgveyg` gh{lxheia igx zgdygbldx l dgx hadieâülx ilyl{nedgigx$
7$<$ HADY[GYGÂÈA IA H[ÅIEYA VÝK@EHA
Dg hady{gygâèa ia lnv{åxyena výk`eha ilzln xl{ akxl{zgigx
g`b|ngx hadieâülx envaxygx, nlxna va{w|l xl y{gyg il |n hady{gya il
ie{leya výk`eha, xl dèa zlmgnax= Ilzl cgzl{ v{lzexèa a{âgnldyç{eg?
Lsebl iexvaxeâèa `lbg` lxvlhîjehg ia ø{bèa `lbex`gyeza
xa`eheygdyl?
Cç ak{ebgya{eligil il g|ya{e}gâèa l hady{a`l ia Xldgia?
Dlhlxxç{eg g jedg`eigil výk`ehg?
Å vaxxîzl` g`yl{gâèa |de`gyl{g` il ilyl{nedgigx h`ç|x|`gx, xl
gxxen lxyezl{ v{lzexya dg `le? Cç x|mleâèa g v{lxygâèa il hadygx?
Vail cgzl{ {lxhexèa |de`gyl{g` ln hgxa il {lxbgyl gdylhevgia?
Va{ ja{âg ia g{y$ 8; ig @le il [lxvadxgke`eigil Jexhg`, @le
Hanv`lnldyg{ d¶767!;666. @[J, å zligig g {lg`e}gâèa il avl{gâèa il
h{åieya ldy{l |n ldyl ig Jlil{gâèa, ie{lygnldyl a| va{ edyl{nåiea il j|dia,
g|yg{w|eg, j|digâèa a| lnv{lxg lxygyg` ilvldildyl, l a|y{a, edh`|xezl x|gx
ldyeigilx ig ginedexy{gâèa edie{lyg, gedig w|l xak g ja{ng il dazgâèa,{ljedgdhegnldya a| vaxyl{bgâèa il iîzeig hady{gîig gdyl{ea{nldyl$
Ylnax hana lshlâèa g lxxg zligâèa gx avl{gâülx ldy{l edxyey|eâèa
jedgdhle{g lxygyg` l a|y{a ldyl ig jlil{gâèa, edh`|xezl x|gx ldyeigilx ig
ginedexy{gâèa edie{lyg, w|l dèa xl ilxyedln g jedgdheg{, ie{lyg a|
edie{lygnldyl, ilxvlxgx ha{{ldylx l {ljedgdheg{ iîzeigx dèa hady{gîigx m|dya æ
v{øv{eg edxyey|eâèa hadhlildyl$
8/2/2019 Credito Público - Relação de consumo
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<
\ d e i g i l = H { å i e y a V ý k ` e h a
Mç da g{y$ 7; ig @[J, ldhady{gnax iexvaxeyeza w|l zlig g hady{gygâèa
il avl{gâèa il h{åieya w|l lshlig gx ilxvlxgx il hgveyg`, xg`za gx
g|ya{e}gigx nliegdyl h{åieyax x|v`lnldyg{lx a| lxvlhegex han jedg`eigil
v{lhexg, gv{azgig va{ ngea{eg gkxa`|yg$ Yg` zligâèa zexg haeke{ a
ilxlw|e`îk{ea a{âgnldyç{ea$
G @[J, ilyl{nedg w|l ga Nedexyå{ea ig Jg}ldig hgkl a hady{a`l ia
h|nv{enldya igx hadieâülx l zligâülx igx avl{gâülx il h{åieya$
7$:$ H@GXXEJEHGÂÈA IA H[ÅIEYA VÝK@EHA
Gx h`gxxejehgâülx {lha{{ldylx dg ia|y{edg xèa=
7$:$7$ W|gdya ga V{g}a= Lnv{åxyena vl{våy|a l lnv{åxyena ylnva{ç{ea
Ax lnv{åxyenax vl{våy|ax xèa gw|l`lx xln v{lzexèa il {lxyey|eâèa, va{
vg{yl ia Lxygia, ia hgveyg` v{edhevg`$ V{lzí gvldgx a vgbgnldya il m|{ax a|
{ldigx, ediljedeignldyl$ Xèa iezeieiax ln {lnîzlex l e{{lnîzlex$
Ax {lnîzlex xèa gw|l`lx w|l a Lxygia {lxl{zg.xl a ie{leya a| jgh|`igil
il {llnka`xg{ w|gdia w|exl{$ Xèa {lv{lxldygiax va{ yîy|`ax ig iîzeig výk`ehg,
dlbaheçzlex ln ka`xg #haygâèa zg{eçzl`%$ Ax e{{lnîzlex xèa gw|l`lx adil dèacç v{lzexèa il {llnka`xa #{llnka`xa envaxxîzl`%$
Ax lnv{åxyenax ylnva{ç{eax xèa gw|l`lx han v{g}a iljedeia vg{g
{lxbgyl$ Vailn xl{ g h|{ya v{g}a, ygnkån hcgngiax ‐avl{gâülx il h{åieya
va{ gdylhevgâèa il {lhleyg„, han {llnka`xa v{lzexya ildy{a ia vl{îaia
jedgdhle{a ln w|l xèa hl`lk{giax, adil zexgn, xak{ly|ia, hak{e{ iåjeheyx
y{gdxeyø{eax ilha{{ldylx ig jg`yg il xedh{adeg ldy{l {lhleygx l ilxvlxgx,
iened|e{ a vail{ il hanv{g, zexgdia gyld|g{ a v{ahlxxa edj`gheadç{ea$
7$:$;$ W|gdya ga `ahg` il hady{gygâèa= Lnv{åxyenax Edyl{dax l
Lnv{åxyenax Lsyl{dax
Lnv{åxyenax edyl{dax xèa gw|l`lx akyeiax vl`a ldyl výk`eha ildy{a ia
yl{{eyø{ea dgheadg`, ln nalig dgheadg` l ln hadja{neigil han g `lbex`gâèa il
{lbídheg vçy{eg$ Ax lnv{åxyenax edyl{dax ièa a{ebln æ iîzeig edyl{dg$
Mç ax lnv{åxyenax lsyl{dax xèa gw|l`lx akyeiax da lsyl{ea{, ln nalig
lxy{gdble{g, han |ng vlxxag dèa dgheadg`, {lbeia vl`a Ie{leya Výk`eha
8/2/2019 Credito Público - Relação de consumo
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:
\ d e i g i l = H { å i e y a V ý k ` e h a
Edyl{dgheadg`$ Vailn xl{ h{åieya lxy{gdble{a, w|l å gw|l`l w|l a Lxygia
hl`lk{g a hady{gya ln nalig lxy{gdble{g, han vlxxag dèa dgheadg` iljedeig a|
h{åieya edyl{dgheadg` w|l å gw|l`l ja{dlheia va{ edxyey|eâülx n|`yedgheadgex,
v`|{edgheadgex a| edyl{dgheadgex, w|l dèa xèa zedh|`gigx g dldc|n vgîx
ilyl{nedgia$ A Lnv{åxyena Lsyl{da iç a{ebln æ iîzeig lsyl{dg$
7$:$8$ W|gdya æ Hanv|`xa{eligil= Lnv{åxyena Hanv|`xø{eax l
Lnv{åxyenax Za`|dyç{eax
Lnv{åxyena Hanv|`xø{ea a| H{åieya Ja{âgia å hadxeil{gia |ng ja{ng
env{øv{eg il h{åieya výk`eha, dèa dlhlxxeyg ig gd|ídheg ia v{lxygnexyg, mç w|l
m|dbeia g |n {lbenl m|{îieha il ie{leya výk`eha #gya il envå{ea%$
Da daxxa a{ildgnldya lsexyln gx gdylhevgâülx y{ek|yç{egx, hana ja{ngil akyldâèa il h{åieya ja{âgia, hana, va{ lslnv`a, envaxyax= EVE, E[VJ$ Cç,
ygnkån, a lnv{åxyena hanv|`xø{ea ‘ g{yeba 793 ig HJ$
Ax a|y{ax nleax #yåhdehgx% vg{g akyldâèa il h{åieyax hanv|`xø{eax xl
lnkgxgn dg {lyldâèa!ngdev|`gâèa iax ilvøxeyax ln iedcle{a w|l gx vlxxagx
jg}ln dgx edxyey|eâülx jedgdhle{gx l kgdhç{egx, kln hana dg lnexxèa ia vgvl`
nalig l il yîy|`ax l kùd|x ia Ylxa|{a$
Ln xîdylxl, ylnax y{íx nleax il w|l xl zg`l a Lxygia vg{g akyldâèa ilh{åieyax hanv|`xø{eax=
gdylhevgâèa y{ek|yç{egx ‘G[A―x?
{lyldâèa!ngdev|`gâèa iax ilvøxeyax ln iedcle{a w|l gx vlxxagx
jg}ln dgx edxyey|eâülx jedgdhle{gx l kgdhç{egx?
lnexxèa ia vgvl` nalig l il yîy|`ax l kùd|x ia Ylxa|{a$
G ‐G[A―x„ #gdylhevgâèa il {lhleygx a{âgnldyç{egx% vl{neyl w|l a Lxygia
{lg`e}l lnv{åxyena il h|{ya v{g}a g xl{ ilza`zeia da nlxna lsl{hîheajedgdhle{a vg{g x|v{e{ a iåjehey il hgesg$ Ilzl xl{ h`gxxejehgig hana {lhleyg
Lsy{g.A{âgnldyç{eg$
G G[A―x ilxyedg.xl g gyldil{ edx|jeheídheg il hgesg i|{gdyl a lsl{hîhea
jedgdhle{a l h|nv{e{ç gx lsebídhegx v{lzexygx da g{y$ 8; #mç heygigx da eyln 7$<%
l ngex gx xlb|edylx=
{lg`e}g{.xl.ç xanldyl g vg{ye{ ia 76¶ ieg ia edîhea ia lsl{hîhea?
ilzl{ç xl{ `ew|eigig, han m|{ax l a|y{ax ldhg{bax edheildylx, gyå ieg76!7; il hgig gda?
8/2/2019 Credito Público - Relação de consumo
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2
\ d e i g i l = H { å i e y a V ý k ` e h a
dèa xl{ç g|ya{e}gig xl ja{ln hak{giax a|y{ax ldhg{bax w|l dèa ygsg
il m|{ax ig avl{gâèa, ak{ebgya{egnldyl v{ljesgig a| edilsgig æ ygsg kçxehg
jedgdhle{g a| g w|l zel{ g lxxg x|kxyey|e{?
xl{ç zligig g hady{gygâèa da ý`yena gda il ngdigya il V{lxeildyl
ig [lvýk`ehg, Bazl{dgia{lx l V{ljleyax, l ldw|gdya lsexye{ avl{gâèa vldildyl$
Y{gyg.xl il |ng lshlâèa ga v{edhîvea ig zligâèa ig zedh|`gâèa ia
v{ai|ya il g{{lhgigâèa il envaxyax g ø{bèax, j|diax a| ilxvlxgx #g{y$ 7:2,
EZ ig HJ%, vl{neyedia g |ye`e}gâèa il {lhleygx j|y|{gx hana edxy{|nldya il
bg{gdyeg$
Gx avl{gâülx il h{åieya ln bl{g` xèa iljedeigx va{ lsh`|xèa, zg`l
nldheadg{, xèa gx w|l dèa xl ldw|gi{gn dgx avl{gâülx il h{åieya va{
gdylhevgâèa il {lhleygx, ha{{lxvadildia gax lnv{åxyenax il `adba v{g}a w|lzexgn gyldil{, zeg il {lb{g, ilxvlxgx il hgveyg` #edzlxyenldyax, edzl{xülx
jedgdhle{gx l y{gdxjl{ídhegx il hgveyg`%$
Zg`l {lxxg`yg{ w|l g lxha`cg ia gbldyl jedgdhle{a w|l e{ç ljly|g{ g
avl{gâèa xl ig{ç va{ nlea il v{ahlxxa hanvlyeyeza l`ly{ùdeha, `le`èa,
v{anazeia vl`a Kgdha Hldy{g`$ A Kgdha Hldy{g` ghanvgdcg{ç a xg`ia ln
gkl{ya, l da hgxa il edakxl{zëdheg iax `eneylx, gv`ehg{ç gx xgdâülx hgkîzlex æ
edxyey|eâèa h{lia{g$A g|ya{ [åbex Jl{dgdilx il A`ezle{g iljldil w|l g jeb|{g ia
Lnv{åxyena Hanv|`xø{ea ilzl xl{ lsh`|îig ia ylng Lnv{åxyena Výk`eha, vaex
gw|l`l dèa vail xl{ hadxeil{gia lnv{åxyena va{ xl{ hanv|`xø{ea, l dèa vail
xl{ hanv|`xø{ea xl å lnv{åxyena, a w|l ilxhg{ghyl{e}g{eg a nýy|a$
A lnv{åxyena za`|dyç{ea #h{åieya výk`eha v{øv{ea% il{ezg ig g|yadaneg
igx zadygilx l {lj`lyl g hadzl{bídheg ia Lxygia l ia v{lxygnexyg w|l akmlyezg,
g`ån ig ilza`|âèa ia iedcle{a da v{g}a lxyev|`gia, a vgbgnldya iax m|{ax l ggy|g`e}gâèa nadlyç{eg, xl ja{ a hgxa$
7$:$9$ W|gdya æ Hanvlyídheg= Jlil{g`, Lxygi|g` l N|dehevg`$
Jlil{g` = lnv{åxyena výk`eha yangia vl`g \deèa$ Lxygi|g` = lnv{åxyena výk`eha {lg`e}gia vl`a Lxygia.nlnk{a$ N|dehevg` = lnv{åxyena výk`eha jleya vl`a N|dehîvea$
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\ d e i g i l = H { å i e y a V ý k ` e h a
7$:$<$ Iîzeig Výk`ehg J`|y|gdyl l Iîzeig Výk`ehg J|digig
Iîzeig výk`ehg j`|y|gdyl, xlb|dia b`axxç{ea XYD, å ‐g hady{gîig vl`a
Ylxa|{a Dgheadg`, va{ |n k{lzl l ilyl{nedgia vl{îaia il ylnva, w|l{ hana
ginedexy{gia{ il yl{hle{ax, hadjegiax æ x|g b|g{ig, w|l{ vg{g gyldil{ æx
nanldyëdlgx dlhlxxeigilx il hgesg$ Xlb|dia g @le d½ 9$8;6!:9, g iîzeig
j`|y|gdyl hanv{lldil ax {lxyax g vgbg{, lsh`|îiax ax xl{zeâax il iîzeig, ax
xl{zeâax il iîzeig g vgbg{, ax ilvøxeyax l ax iåkeyax il ylxa|{g{eg „$
Da{ng`nldyl gyedbl xanldyl a ënkeya edyl{da, vaex hadxeil{g.xl hana |ng
iîzeig ginedexy{gyezg, vaex ax {lh|{xax xèa |ye`e}giax vg{g g xgyexjgâèa il
dlhlxxeigilx enliegygx ia l{ç{ea, v{azldeldylx il ilxvlxgx env{lzexygx$
Iîzeig výk`ehg j|digig a| hadxa`eigig å gw|l`g w|l hanv{lldil
hanv{anexxa il lsebeke`eigil x|vl{ea{ g 7; nlxlx$ Ha{{lxvadil ga yayg` igxak{ebgâülx jedgdhle{gx gxx|neigx ln ze{y|il ig Hadxyey|eâèa, @lex, hady{gyax,
hadzídeax a| y{gygiax l ig {lg`e}gâèa il avl{gâülx il h{åieya$ Da{ng`nldyl
zexg gyldil{ g ilxlw|e`îk{ea a{âgnldyç{ea a| g jedgdhegnldya il ak{gx l
xl{zeâax výk`ehax, w|l ilvldiln il g|ya{e}gâèa `lbex`gyezg vg{g gna{ye}gâèa
a| {lxbgyl$
G @[J gnv`ea| a hadhleya il Iîzeig J|digig ga ilyl{nedg{ w|l ygnkån
edylb{gn g iîzeig výk`ehg hadxa`eigig gx avl{gâülx il h{åieya il v{g}a edjl{ea{g ia}l nlxlx h|mgx {lhleygx yldcgn hadxygia ia a{âgnldya l w|l ax
v{lhgyø{eax m|iehegex dèa vgbax i|{gdyl g lslh|âèa ia a{âgnldya ln w|l
ca|zl{ln xeia edh`|îiax edylb{gn g iîzeig hadxa`eigig, vg{g jedx il gv`ehgâèa
iax `eneylx$
Iezeil.xl ln iîzeig výk`ehg j|digig edyl{dg l lsyl{dg$ G edyl{dg å
gw|l`g w|l hanv{lldil ax hanv{anexxax hady{gîiax ildy{a ia vgîx$ G lsyl{dg
å gw|l`g adil ax lnv{åxyenax xèa hady{gygiax a| `gdâgiax da lsyl{ea{$
A dèa vgbgnldya, vl`ax Lxygiax l N|dehîveax, ig iîzeig j|digig, va{
ngex il iaex gdax hadxlh|yezax, xln nayeza il ja{âg ngea{, ldxlmg g
edyl{zldâèa ig \deèa l ia Lxygia, dax yl{nax iax g{yebax= 89, Z, g`îdlg ‐g„ l
8<, E, gnkax ig Hg{yg Ngbdg$
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\ d e i g i l = H { å i e y a V ý k ` e h a
7$:$:$ Iîzeig Výk`ehg Hady{gy|g` l Nake`eç{eg
Iîzeig Hady{gy|g` å gw|l`g w|l edh`|e hg{ygx il edyldâülx, nlna{gdiax
l v{ab{gngâèa il nlygx ngh{alhadùnehgx han gx Edxyey|eâülx Jedgdhle{gx
N|`ye`gyl{gex #EJN―x%$
G Iîzeig Nake`eç{eg ia bazl{da hldy{g` å gw|l`g w|l ha{{lxvadil ga yayg`
il yîy|`ax výk`ehax jlil{gex lneyeiax vl`a Kgdha Hldy{g` l vl`a Ylxa|{a
Dgheadg` w|l lxyèa ln vail{ ia xlya{ v{ezgia$ G iîzeig Nake`eç{eg iax
bazl{dax lxygi|gex l n|dehevgex ha{{lxvadil ga yayg` il yîy|`ax lneyeiax vl`ax
{lxvlhyezax Ylxa|{ax Lxygi|g` l N|dehevg`, edh`|edia ax yîy|`ax lneyeiax vg{g
vgbgnldya il v{lhgyø{eax$
7$:$2$ Iîzeig Ginedexy{gyezg l Iîzeig Jedgdhle{g G iîzeig ginedexy{gyezg {lx|`yg ia ilxlnvldca igx jedg`eigilx v{øv{egx
iax {gnax ig Ginedexy{gâèa Výk`ehg l dèa dlhlxxeyg il `le lxvlheg` vg{g xl{
hady{gîig$ Mç g iîzeig jedgdhle{g å {lx|`ygia il |n lnv{åxyena výk`eha
ilzeignldyl g|ya{e}gia ln `le lxvlheg`$
7$2$ H[ÅIEYA VÝK@EHA DG HADXYEY\EÂÈA JLIL[G@
G{y$ ;;, ZEE, ig HJ= å il hanvlyídheg ig \deèa g va`îyehg il h{åieya
ia Lxygia?
G{y$ <;, Z g SE ig HJ= å il hanvlyídheg lsh`|xezg ia Xldgia g
jexhg`e}gâèa?
G{y$ 7:8 HJ= å {lxl{zgia æ `le hanv`lnldyg{ iexva{ xak{l h{åieya
výk`eha?
G{y$ ;: l 88 ia GIHY? HVE ig iîzeig výk`ehg l g|ya{e}gâèa illsvlieâèa il yîy|`ax ig iîzeig výk`ehg vg{g vgbg{ v{lhgyø{eax gdyl{ea{lx æ
HJ!33?
G{y$ 73;, ¢9½, edh$ EEE l g{y$ 739 ig HJ= yîy|`ax ig iîzeig výk`ehg vg{g
jg}l{ jghl æ ilxgv{av{egâèa vg{g jedx il {lja{ng |{kgdg a| il {lja{ng gb{ç{eg?
G{yx$ 89, Z, ‐g„ l 8<, E, ig HJ!33= cevøylxlx il edyl{zldâèa jlil{g` a|
lxygi|g` da hgxa ig iîzeig j|digig dèa xl{ vgbg ln gyå iaex gdax$
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76
\ d e i g i l = H { å i e y a V ý k ` e h a
Hgkl æ \deèa ilyl{nedg{ g va`îyehg g {lxvleya iax lnv{åxyenax výk`ehax,
kln hana {lg`e}g{ g jexhg`e}gâèa igx avl{gâülx$
A Hadb{lxxa Dgheadg` ilyån g hanvlyídheg `lbex`gyezg bldå{ehg xak{l a
ylng #g{y$ 93, EE ig HJ%$ G`ån ilxyg `lbex`gâèa, cç dlhlxxeigil il w|l a
Xldgia Jlil{g` jesl ax `eneylx b`akgex l hadieâülx vg{g gx avl{gâülx il
h{åieya lsyl{da l edyl{da ig \deèa, Lxygiax, ia IJ l iax N|dehîveax, il x|gx
g|yg{w|egx l ilngex ldyeigilx hady{a`gigx vl`a Vail{ Výk`eha #g{y$ <;, ZEE ig
HJ%$
7$2$7$ V{edhîveax ia H{åieya Výk`eha
G`ån iax v{edhîveax bl{gex ig Ginedexy{gâèa w|l xl ldhady{gn v{lzexyax
da +hgv|y+ ia g{y$ 82 ig Hadxyey|eâèa Jlil{g` ‘ `lbg`eigil, envlxxag`eigil,na{g`eigil, v|k`eheigil l ljeheídheg ‘ ilzlnax akxl{zg{ g {l`lzëdheg il xl{ln
gw|e ilxh{eyax ax v{edhîveax ig y{gdxvg{ídheg l xl{eligil$
Lxxlx v{edhîveax, m|dya han ax w|l lxy|ignax dg \deigil EEE, {lb|`gn a
w|l vailnax hcgng{ il ‐xexylng hadxyey|headg` jedgdhle{a„ l xl gv{lxldygn
za`ygiax æ iexhev`edg ig gyezeigil jedgdhle{g výk`ehg$
Vgxxlnax, ldyèa, g ylhl{ k{lzlx hanldyç{eax, han kgxl dax
ldxedgnldyax ia V{aj$ [ehg{ia @aka Ya{{lx, xak{l lxxlx v{edhîveax= @lbg`eigil= å a {lxvadxçzl` va{ lsv{ene{ g ak{ebgya{eligil w|l
yl{ç g Ginedexy{gâèa Výk`ehg, dg jeb|{g ia blxya{ výk`eha, il zl{.xl x|mleygia æ
ja{ng`eigil igx v{lxh{eâülx `lbgex? a| xlmg, da w|l hgkl gax h{åieyax výk`ehax
å a v{edhîvea w|l ilyl{nedg w|l g a{ebln iax h{åieyax výk`ehax ilzl{ç,
dlhlxxg{egnldyl, xl{ {lb|`gig va{ `lex jlil{gex lxvlhîjehgx l w|l xanldyl
vail{èa xl{ yangiax dax na`ilx `lbgex jesgiax va{ ygex `lex?
Envlxxag`eigil= å hg{ghyl{e}gia va{ ja{âg{ g Ginedexy{gâèa vg{gw|l lxyg akxl{zl, dgx x|gx ilhexülx, ax h{eyå{eax akmlyezax v{lzegnldyl
lxygkl`lheiax dg da{ng `lbg` ‘ ln j|dâèa ig ak{ebgya{eligil dg x|g
zedh|`gâèa ‘ gjgxygdia g iexh{eheadg{eligil ia Ginedexy{gia{ l g vaxxeke`eigil
il x|kmlyezexnax dg hadi|âèa iax gyax výk`ehax? a| xlmg, dèa ilzl a blxya{
výk`eha gbe{ ln v{a` il edyl{lxxlx vlxxagex, ilzldia gbe{ xlnv{l han
envlxxag`eigil, a w|l å j|dignldyg`, w|gdia xl yln a vail{ il hady{gyg{
lnv{åxyenax il gxxank{axax zg`a{lx?
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\ d e i g i l = H { å i e y a V ý k ` e h a
Na{g`eigil= iljldil.xl w|l g na{g`eigil dèa dlhlxxeyg{eg lxyg{
v{lzexyg ln w|g`w|l{ `le vg{g xl{ vgxxîzl` il xl{ lsebeig ia Ginedexy{gia{
Výk`eha ‘ vaex, dèa yl{ç w|g`w|l{ `le a hadièa il jg}l{ dgxhl{, jg}l{ x|{be{ g
na{g` ln |n ediezîi|a? gjedg` dgxhlnax mç iaygiax a| dèa ilxxl gy{ek|ya, zl}
w|l a nlxna å edy{îdxlha ga hg{çyl{ il hgig xl{ c|ngda$ Gxxen, gvlxg{ il
l`lzgig ga +xygy|x+ il v{edhîvea, g na{g`eigil, ln zl{igil, ilzl{eg xl{ zexyg
yèa xanldyl hana |n gy{ek|ya dlhlxxç{ea l gyå nlxna ediexxaheçzl` ig yg{ljg
il w|g`w|l{ heigièa w|l zldcg g lsl{hl{ w|gexw|l{ igx j|dâülx výk`ehgx, ln
lxvlheg` gw|l`gx {l`gheadgigx han g {lxvadxgke`eigil vl`a ilxlnka`xa a|
g{{lhgigâèa igx zl{kgx výk`ehgx, a w|l xl gilw|g vl{jleygnldyl ga gxx|dya
ln lxy|ia= ax h{åieyax výk`ehax?
V|k`eheigil= hadxexyl ln jg}l{ han w|l gy{gzåx ig iez|`bgâèaiax gyax lngdgiax ig Ginedexy{gâèa Výk`ehg yaiax yldcgn hadclhenldya igx
gâülx ia Lxygia$
Ljeheídheg= {ljl{l.xl æ vaxxeke`eigil w|l a Lxygia yln il
lw|gheadg{ vg{g akyl{ ngea{lx l nl`ca{lx {lx|`ygiax$ Vail xl{ y{gi|}eia vl`a
lw|gheadgnldya igx {lhleygx l ilxvlxgx výk`ehgx, å a hady{a`l jexhg`, han
ngea{ ljeheídheg, vg{g nedene}g{ bgxyax l ngsene}g{ {lx|`ygiax, han a nl`ca{
gv{azleygnldya ia h{åieya výk`eha iexvadîzl`? Y{gdxvg{ídheg= vaildia xl{ hadj|dieia han a v{edhîvea ig
v|k`eheigil, lxxl v{edhîvea jg} han w|l da a{âgnldya výk`eha hadxyln,
lsv{lxxg l h`g{gnldyl, yaiax ax lnv{åxyenax gxx|neiax vl`a Lxygia, il yg`
ja{ng w|l xlmgn il hadclhenldya gnv`a?
Xl{eligil= w|l vail{eg, ln |ng v{enle{g l {çveig gdç`exl, xl{
hadj|dieia han a v{edhîvea ig na{g`eigil, dg zl{igil zln w|l{l{ xebdejehg{ g
b{gzeigil ia hanv{anlyenldya ia Lxygia l w|l ilzl xl{ hadxeil{gia vg{gw|l xl cad{l a hanv{anexxa gxx|neia han a h{lia{ ia h{åieya výk`eha ‘
ilhl{ya w|l, vg{g ygdya, j|digia da v{edhîvea ig na{g`eigil výk`ehg$ Gxxen,
cad{gdia.xl g xl{eligil ia dlbøhea m|{îieha vghy|gia, ya{dg.xl e{{ly{gyçzl` g
v{anlxxg gxx|neig vl`a Lxygia han g hady{gygâèa ia lnv{åxyena, xldia
gedig gxxlb|{gig g {lxyey|eâèa ia h{åieya yangia, gh{lxheia iax m|{ax
hady{gygiax$
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7;
\ d e i g i l = H { å i e y a V ý k ` e h a
7$3$ LYGVGX IG JA[NG@E]GÂÈA IA H[ÅIEYA VÝK@EHA
E$ [lxa`|âèa ia Xldgia= g|ya{e}gâèa jedgdhle{g ia Xldgia vg{g g jley|{g
ia lnv{åxyena?
EE$ V{an|`bgâèa ig `le g|ya{e}gia{g= jleyg vl`a Hadb{lxxa Dgheadg`
g|ya{e}gdia a Vail{ Lslh|yeza g lneye{ ax yîy|`ax a| jg}l{ a hady{gya il nýy|a?
EEE$ Hady{gya il nýy|a a| yîy|`ax ig iîzeig výk`ehg= ljlyezg.xl han g
lnexxèa iax yîy|`ax vl`a Vail{ Lslh|yeza a| han g hady{gygâèa ia nýy|a
kgdhç{ea$
7$5$ JA[NGX IL LSYEDÂÈA IA H[ÅIEYA VÝK@EHA
7$5$7$ Gna{ye}gâèa
Å g ja{ng ngex han|n il lsyedâèa iax lnv{åxyenax$ Aha{{l han a
vgbgnldya x|hlxxeza igx vg{hl`gx ia lnv{åxyena gyå a {lxbgyl yayg` l vail.
xl ljly|g{ gy{gzåx ig hanv{g il vgvåex da nl{hgia a| ie{lygnldyl m|dya ga
h{lia{ dg ja{ng il vgbgnldya$
Gx ja{ngx h`çxxehgx il vgbgnldya, il {lxbgyl ia lnv{åxyena výk`eha
xèa=
yaiax ax yîy|`ax xèa {lxbgygiax xen|`ygdlgnldyl dg igyg ia
zldhenldya? vgbgnldya ln xå{el va{ nlea il xa{yleax vl{eøiehax? va{ nlea ia vgbgnldya il {ldigx zeyg`îhegx? gy{gzåx il xg`iax a{âgnldyç{eax #a Lxygia hanv{g xl|x v{øv{eax
yîy|`ax dg Ka`xg, bl{g`nldyl w|gdia g haygâèa lxyç gkgesa ia zg`a{ danedg`%$
7$5$;$ Hadzl{xèa
W|gdia a Lxygia naiejehg gx hadieâülx gdyl{ea{lx ia lnv{åxyena
výk`eha? ilvldil ig gw|elxhídheg ia h{lia{$ Å ja{ng il lsyedâèa vg{heg` ig
Iîzeig Výk`ehg$ A w|l jae dlbahegia lxyç lsyedya$
Kg`lle{a ie} w|l ‐Hadzl{xèa å g g`yl{gâèa jleyg vl`a Lxygia, gvøx g
lnexxèa, il w|g`w|l{ igx hadieâülx jesgigx vg{g g akyldâèa ia h{åieya
výk`eha, akmlyezgdia iened|e{ g hg{bg gd|g` ia ldhg{ba w|l l`l yln il x|va{yg{,
ln hady{gvg{yeig æ x|kxh{eâèa„$ Gedig h`gxxejehg g Hadzl{xèa ln y{íx yevax=
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78
\ d e i g i l = H { å i e y a V ý k ` e h a
JA[ÂGIG= ‐ln w|l a Lxygia envül ga n|y|gdyl g x|kxyey|eâèa
ia yîy|`a v{eneyeza va{ |n daza, w|l ajl{lhl nlda{ zgdygbln w|l a gdyl{ea{,
vaildia yg` envaxeâèa xl{ jleyg edie{lygnldyl, w|gdia, va{ lslnv`a, a Lxygia
dèa ak{ebg g {ljl{eig x|kxyey|eâèa, ngx ilh{lyg g hgi|heigil iax yîy|`ax w|l
dèa ja{ln x|kxyey|îiax? yg` naig`eigil il hadzl{xèa gyldyg hady{g a ie{leya
giw|e{eia ia n|y|gdyl l å {lvl`eig dax vgîxlx ln w|l ax y{ek|dgex hady{a`gn g
hadxyey|headg`eigil igx ̀ lex„$ JGH\@YGYEZG= a Lxygia dèa ak{ebg æ x|kxyey|eâèa ia yîy|`a, l`l
hadhlil ga n|y|gdyl, xln lsl{hl{ w|g`w|l{ ja{ng il hagâèa, g vaxxeke`eigil
il lxha`cl{ y{ahg{ xl| yîy|`a v{eneyeza va{ |n daza, w|l dèa `cl {lye{g dldc|ng
zgdygbln l gedig `cl ajl{lhl |n m|{a ngea{ a| il vl{ngdlhl{ han a yîy|`a
gdyeba$ AK[EBGYØ[EG= a Lxygia ajl{lhl ga n|y|gdyl a ie{leya il avâèa
w|l hadxexyl da {llnka`xa ia zg`a{ ia yîy|`a v{eneyeza #ilxhadygiax m|{ax% a|
dg y{ahg va{ a|y{a yîy|`a w|l ajl{lhl |ng zgdygbln nlda{$
7$5$8$ [lvýiea
Vail xl{ hcgngia il hg`ayl$ Aha{{l w|gdia a Lxygia dèa {lhadclhl g
iîzeig gxx|neig vl`ax {lbenlx dèa va`îyehax, dèa hadxa`eigiax a| nliegdylgyax il ha{{|vâèa$
7$5$9$ Hanvldxgâèa
Aha{{l w|gdia a Lxygia ilzl g |ng vlxxag l lxxg vlxxag ygnkån
ilzl ga Lxygia, va{ån a HYD lsebl vg{g g hanvldxgâèa `le lxvlhîjehg
g|ya{e}gdia yg` jleya$ Å |ng vlh|`eg{eigil w|l xø lsexyl dg hanvldxgâèa$
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79
\ d e i g i l = H { å i e y a V ý k ` e h a
;$ KGDHA HLDY[G@
A Kgdha Hldy{g` yln vgvl` j|dignldyg` dgx jedgdâgx výk`ehgx, ln
lxvlheg` va{ hadyg ia nadavø`ea ig lnexxèa ig nalig, ig hanv{g l zldig il
yîy|`ax ia Ylxa|{a Dgheadg` l iax ilvøxeyax igx iexvadeke`eigilx il hgesg ig
\deèa$
• Lnexxèa il nalig=
A KH yln a nadavø`ea il lnexxèa il nalig, kln hana il hënkea$
Dèa xl edh`|ln da hadhleya il nalig ax yîy|`ax il h{åieya gedig w|l lneyeiax
vl`a Bazl{da, dln ax ilvøxeyax l {lxl{zgx kgdhç{egx$
• Hanv{g l zldig il Yîy|`ax ia Ylxa|{a Dgheadg`=
A g{y$ 7:9 ¢;½ ig Hadxyey|eâèa Jlil{g` g|ya{e}g a KH g hanv{g{ l zldil{yîy|`ax ia Ylxa|{a dgheadg` han a akmlyeza il {lb|`g{ g ajl{yg il nalig a| g
ygsg il m|{ax$
• Ilvøxeya iax vail{lx výk`ehax=
Gx iexvadeke`eigilx il hgesg ig \deèa ilzln xl{ ilvaxeygigx da KH,
ldw|gdya gx iax Lxygiax, N|dehîveax l a|y{ax ø{bèax a| ldyeigilx ia Vail{
Výk`eha, ilzln AK[EBGYA[EGNLDYL xl{ ilvaxeygigx ln edxyey|eâèa
jedgdhle{g ajeheg`$ Å g g|ya{eigil nadlyç{eg w|l hady{a`g ax ljleyax jedgdhle{ax l lslh|yg g
va`îyehg nadlyç{eg l hgnkeg` ia vgîx$ Å edxyey|eâèa hldy{g` il g|ya{eigil l
hady{a`l nadlyç{ea l h{lieyîhea$ V{edhevg` jadyl igx da{ngx, w|l dèa `lex, xak{l
a xexylng jedgdhle{a výk`eha l v{ezgia l igx avl{gâülx il h{åieya iax ldylx ig
Jlil{gâèa$
A Kgdha Hldy{g` yln vgvl` ghldy|gia da hadylsya ig @le il
[lxvadxgke`eigil Jexhg`$ @aba da G{y$ 2½ å iljedeig g edylb{gâèa ia {lx|`ygia
ia Kgdha Hldy{g`, gv|{gia gvøx g hadxyey|eâèa a| {lzl{xèa igx {lxl{zgx hana
{lhleyg ia Ylxa|{a Dgheadg`$ A {lx|`ygia dlbgyeza hadxyey|e{ç ak{ebgâèa ia
Ylxa|{a vg{g han a Kgdha, hadxebdgia ln iaygâèa lxvlhîjehg da a{âgnldya$
A envghya l a h|xya jexhg` igx x|gx avl{gâülx ilzl xl{ ilnadxy{gia
y{enlxy{g`nldyl lzeildhegdia a h|nv{enldya ig @IA$ Dazldyg iegx gvøx a
ldhl{{gnldya ia xlnlxy{l ygnkån gv{lxldyg{ç vl{gdyl gx Hanexxülx
ylnçyehgx {lxvlhyezgx da Hadb{lxxa, g`ån iax kg`gdâax, g gzg`egâèa ia
h|nv{enldya igx nlygx igx va`îyehgx nadlyç{eg, h{lieyîheg l hgnkeg`#G{y$5,¢<½%$
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7<
\ d e i g i l = H { å i e y a V ý k ` e h a
Hana mç zenax, dg iljedeâèa ig iîzeig výk`ehg nake`eç{eg edh`|e.xl dg
{lv{lxldygâèa iax yîy|`ax lneyeiax vl`g \deèa, ia v{øv{ea Kgdha Hldy{g`, l ax
ig iîzeig iax Lxygiax l N|dehîveax #G{y$ ;5%$ A G{y$ 85 iljedl gx avl{gâülx
han a Kgdha Hldy{g`$ L`gx lxyèa x|mleygx æx zligâülx il avl{gâülx il h{åieya
ldy{l |n ldyl ig Jlil{gâèa l a|y{a, va{ zeg il j|dia, g|yg{w|eg, j|digâèa,
lnv{lxg lxygyg` ilvldildyl l a|y{gx ldyeigilx ig ginedexy{gâèa ie{lyg l
edie{lyg, nlxna xak g ja{ng il {ldazgâèa, {ljedgdhegnldya a vaxyl{bgâèa
#G{y$ 8<%$ Gh{lxhldyg.xl g lxygx gx zligâülx æ hanv{g il yîy|`ax ig iîzeig dg
igyg ig ha`ahgâèa da nl{hgia, lshlya vl`a {ljedgdhegnldya ia lxyaw|l il
@ly{gx, Xå{el Lxvlheg`, lsexyldyl dg hg{yle{g igx edxyey|eâülx jedgdhle{gx$
Lxyèa zligigx gedig gx vl{n|ygx, nlxna w|l ylnva{ç{egx, il yîy|`a ig
iîzeig il ldyl ig Jlil{gâèa l g hadhlxxèa il bg{gdyeg #G{y$ 85%$ Ax yîy|`ax igHg{yle{g ia Kgdha Hldy{g` dèa vailn xl{ giw|e{eiax vl`a Ylxa|{a Dgheadg`,
gedig w|l han h`ç|x|`g il {lzl{xèa, lshlya vg{g {li|âèa ig iîzeig nake`eç{eg$
8$ JNE l Ke{il
Han g h{egâèa ia J|dia Nadlyç{ea Edyl{dgheadg`. JNE l Kgdha
Edyl{gnl{ehgda il [lhadxy{|âèa l Ilxldza`zenldya Lhadùneha. Ke{i,edg|b|{a|.xl |ng dazg jgxl dgx avl{gâülx il h{åieya lsyl{da$
8$7$ JNE
A JNE yln hana jedg`eigil ngdyl{ |n kan j|dheadgnldya ia xexylng
jedgdhle{a n|dieg`, lxyen|`gdia g haavl{gâèa nadlyç{eg da ënkeya
edyl{dgheadg`$
Yln hana v{edhevgex akmlyezax=
V{anazl{ g haavl{gâèa nadlyç{eg edyl{dgheadg`, ja{dlhldia |n
nlhgdexna il hadx|`yg l ha`gka{gâèa dg {lxa`|âèa iax v{ak`lngx jedgdhle{ax?
Jgza{lhl{ g lsvgdxèa lw|e`ek{gig ia hanå{hea, v{ava{headgdia
dîzlex l`lzgiax il lnv{lba l y{g}ldia ilxldza`zenldya iax {lh|{xax
v{ai|yezax?
Ajl{lhl{ gm|ig jedgdhle{g gax vgîxlx nlnk{ax ln iejeh|`igilx
lhadùnehgx, lnv{lxygdia {lh|{xax han v{g}ax `eneygiax?
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7:
\ d e i g i l = H { å i e y a V ý k ` e h a
Hady{ek|e{ vg{g g edxyey|eâèa il |n xexylng n|`ye`gyl{g` il
vgbgnldyax l v{anazl{ g lxygke`eigil iax hënkeax$
8$;$ Ke{i
Hana a danl mç ediehg, a Ke{i ilxyedg.xl g ha`gka{g{ dg yg{ljg il
{lhadxy{|âèa l zg`a{e}gâèa ia yl{{eyø{ea iax vgîxlx nlnk{ax$ Edeheg`nldyl
iliehgzg.xl g jedgdheg{ g {lhadxy{|âèa il vgîxlx g{{gxgiax vl`g b|l{{g, l han
gizldya ia v`gda Ng{xcg``, ylzl xl| hgnva y{gdxjl{eia vg{g a xlya{ il
ilxldza`zenldya, igdia ídjgxl vg{g g `|yg hady{g g vak{l}g dax vgîxlx
nlnk{ax ln ilxldza`zenldya, hadhlildia lnv{åxyenax vg{g ax vgîxlx w|l
yldcgn {ldigx nåiegx han kadx gdylhlildylx il h{åieya$ Ax {lh|{xax ia Ke{i,ln x|g b{gdil vg{yl, xèa `lzgdygiax vl`gx zldigx il yîy|`ax dax nl{hgiax
edyl{dgheadgex il hgveyg`$
Enva{ygdyl ilxyghg{ g iejl{ldâg ldy{l a Kgdha N|dieg` l a B{|va ia
Kgdha N|dieg`$
A v{enle{a å ja{ngia vl`a Ke{i l vl`g GEI. Gxxahegâèa Edyl{dgheadg` il
Ilxldza`zenldya$ G GEI v{ava{headg lnv{åxyenax g vgîxlx ngex vak{lx xln g
edheiídheg il m|{ax$Mç a B{|va ia Kgdha N|dieg` å ja{ngia vl`a Ke{i, GEI l ngex EJH.
Ha{va{gâèa Jedgdhle{g Edyl{dgheadg`, HEGIE. Hldy{a Edyl{dgheadg` vg{g
G{key{gbln il Iexv|ygx xak{l Edzlxyenldya l GNBE. Gbídheg N|`ye`gyl{g` il
Bg{gdyeg il Edzlxyenldyax$
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72
\ d e i g i l = H { å i e y a V ý k ` e h a
[ljl{ídhegx
CG[GIG, Oeuaxce$ Ie{leya jedgdhle{a l y{ek|yç{ea$ 73$ li$ Xèa Vg|`a= Gy`gx,
;665$
A@EZLE[G, [åbex Jl{dgdilx il$ H|{xa il ie{leya jedgdhle{a$ ;$ li$ Xèa
Vg|`a= [lzexyg iax Y{ek|dgex, ;663$
H[LVG@IE, Xe`zea Gvg{lheia? H[LVG@IE, B|e`cl{nl Xenülx$ Ie{leya
Jedgdhle{a$ [ea il Mgdle{a= Ja{ldxl, ;665$
DGXHENLDYA, Lixad [adg`ia? ILK\X, Eza$ @le hanv`lnldyg{ 767!;66; ‘
ldyldildia g `le il {lxvadxgke`eigil jexhg`$ ;$ li$ K{gxî`eg= Nedexyå{ea ig
Jg}ldig$ ;66;$
Hadxyey|eâèa Jlil{g` il 7533$
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[lxvadxçzl` vl`a Hadylýia=V{ajª$ [axxgdg Vl{e``a
rrr$h{|}le{aiax|`$li|$k{
Hgnv|x @ekl{igil
[|g Bg`zèa K|lda, 3:3
67<6:.666
Xèa Vg|`a XV K{gxe`
Yl`= #<< 77% 883<.8666