Housing and Economic Recovery Act_HR 3221

8/3/2019 Housing and Economic Recovery Act_HR 3221

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kqlc{l}k z{jb jig~chlejk lem pl}k }bk ~kpaipglejk ia kljbke}kp~phzk lz }i kr}ke} ia jig~chlejk% ]bk Mhpkj}ip zblcc hejc{mkz{jb kqlc{l}hie lem pl}hef aip kljb ke}kp~phzk aip l xklp he}bk pk~ip} aip }bl} xklp z{`gh}}km ~{pz{le} }i zkj}hie


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B%P% :00 lmmh}hielc mlxz%

"J( ZBIP]KEKM ^KPHIM %]bk Mhpkj}ip glx zbip}ke}bk ~kphim {emkp z{`~lplfpl~b "L( aip fiim jl{zk%

"M( A LHC[PK ]I PKZ^IEM %]bk alhc{pk ia le ke}kp~phzk}i ~piqhmk heaipgl}hie m{phef }bk :>'mlx ~kphim {emkp }bhz~lplfpl~b "lz kr}kemkm ip zbip}kekm( zblcc vlhqk lex phfb}


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B%P% :008 ia }bkAkmkplc El}hielc Gip}flfk Lzzijhl}hie Jblp}kp Lj}# ip z{`'zkj}hie "k( ip "a( ia zkj}hie :>6 ia }bk Akmkplc Bigk CileGip}flfk Jip~ipl}hie Lj}4

":( zickcx vh}b pkz~kj} }i }bk bi{zhef filcz kz}l`chzbkm{emkp zkj}hiez


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B%P% :00#>>> aip kljb mlx }bl} }bk alhc{pk ijj{pz%"j( PIJKM[PKZ %

"


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"@( }i hejpklzk bigkivekpzbh~ aip kr}pkgkcx civ' lemqkpx civ'hejigk alghchkz%"0( AKMKPLC LZZHZ]LEJK %Aip ~{p~izkz ia }bk l~~chjl}hie

ia Akmkplc jhqhc phfb}z clvz# lcc lzzhz}lejk ~piqhmkm apig }bkBi{zhef ]p{z} A{em zblcc `k jiezhmkpkm Akmkplc ahelejhlclzzhz}lejk%"`( LCCIJL]HIEZ AIP BI^K @ IEM ^ LXGKE]Z %

" LEM Z[@ZK\[KE] XKLPZ %"


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B%P% :00 ~kpjke} ia hejigk ie pke} pkcl}hqk }i }bk lffpkfl}k e{g`kp ia qkpx civ'hejigk pke}kp bi{zkbicmz ~lxhef gipk }ble

;> ~kpjke} ia hejigk ie pke} he lcc }bk Z}l}kz%"q( ]bk pkz{c}hef z{g jlcj{cl}km apig }bk alj}ipzmkzjph`km he jcl{zkz "h( }bpi{fb "hq( zblcc `k g{c}h~chkm`x }bk pkcl}hqk jiz} ia jiez}p{j}hie he }bk Z}l}k% Aip~{p~izkz ia }bhz z{`jcl{zk# }bk }kpg jiz} ia jiez}p{j'}hie

"H( gklez }bk jiz} ia jiez}p{j}hie ip `{hcmhefpkbl`hch}l}hie he }bk Z}l}k pkcl}hqk }i }bk el}hielcjiz} ia jiez}p{j}hie ip `{hcmhef pkbl`hch}l}hie4 lem

"HH( zblcc `k jlcj{cl}km z{jb }bl} qlc{kzbhfbkp }ble hemhjl}k }bl} }bk Z}l}kz jiez}p{j'}hie jiz}z lpk bhfbkp }ble }bk el}hielc lqkplfk#l qlc{k ia hemhjl}kz }bl} }bk Z}l}kz jiez}p{j'}hie jiz}z lpk krlj}cx }bk zlgk lz }bk el}hielclqkplfk# lem qlc{kz civkp }ble hemhjl}k }bl}

}bk Z}l}kz jiz} ia jiez}p{j}hie lpk civkp }ble}bk el}hielc lqkplfk%"J( PHIPH]X %]bk aipg{cl pk|{hpkm {emkp z{`~lpl'

fpl~b "L( zblcc fhqk ~phiph}x kg~blzhz lem jiezhmkpl}hie}i }bk alj}ip mkzjph`km he z{`~lplfpl~b "@("h(%"=( LCCIJL]HIE IA FPLE] LGI[E]Z %

"L( EI]HJK %Ei} cl}kp }ble 1> mlxz la}kp }bk ml}k}bl} }bk Zkjpk}lpx mk}kpghekz }bk aipg{cl lgi{e}zmkzjph`km he ~lplfpl~b ":(# }bk Zkjpk}lpx zblcc jl{zkm }i`k ~{`chzbkm he }bk Akmkplc Pkfhz}kp l ei}hjk }bl} z{jblgi{e}z zblcc `k zi lqlhcl`ck%

"@( FPLE] LGI[E] %He kljb ahzjlc xklp i}bkp }bleahzjlc xklp 0>>8# }bk Zkjpk}lpx zblcc gldk l fple} }i kljbZ}l}k he le lgi{e} }bl} hz k|{lc }i }bk aipg{cl lgi{e}mk}kpghekm {emkp ~lplfpl~b ":( aip }bl} Z}l}k%


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B%P% :00>>#>>> }i lex ia }bk ;> Z}l}kzia }bk [eh}km Z}l}kz ip }bk Mhz}phj} ia Jic{g`hl# }bk lccijl'}hie aip z{jb Z}l}k ia }bk [eh}km Z}l}kz ip }bk Mhz}phj}ia Jic{g`hl zblcc `k -:#>>>#>>># lem }bk hejpklzk zblcc`k mkm{j}km ~pi pl}l apig }bk lccijl}hiez glmk }i lcci}bkp ia }bk Z}l}kz "lz z{jb }kpg hz mkahekm he zkj}hie:(%";( LCCIJL]HIE ^CLEZ PK\[HPKM %

"L( HE FKEKPLC %Aip kljb xklp }bl} l Z}l}k ip Z}l}kmkzhfel}km ke}h}x pkjkhqkz l fple} {emkp }bhz z{`zkj}hie#}bk Z}l}k ip Z}l}k mkzhfel}km ke}h}x zblcc kz}l`chzb lelccijl}hie ~cle% Z{jb ~cle zblcc

"h( zk} aip}b l ~cle aip }bk mhz}ph`{}hie ia fple}lgi{e}z pkjkhqkm `x }bk Z}l}k ip Z}l}k mkzhfel}kmke}h}x aip z{jb xklp4

"hh( `k `lzkm ie ~phiph}x bi{zhef ekkmz# lz mk}kp'ghekm `x }bk Z}l}k ip Z}l}k mkzhfel}km ke}h}x he ljjipm'lejk vh}b }bk pkf{cl}hiez kz}l`chzbkm {emkp z{`zkj}hie"f("0("M(4

"hhh( jig~cx vh}b ~lplfpl~b "1(4 lem"hq( hejc{mk ~kpaipglejk filcz }bl} jig~cx vh}b

}bk pk|{hpkgke}z kz}l`chzbkm `x }bk Zkjpk}lpx ~{pz{'le} }i z{`zkj}hie "f("0(%"@( KZ]L@CHZBGKE] %He kz}l`chzbhef le lccijl}hie

~cle {emkp }bhz ~lplfpl~b# l Z}l}k ip Z}l}k mkzhfel}kmke}h}x zblcc

"h( ei}hax }bk ~{`chj ia }bk kz}l`chzbgke} ia }bk~cle4

"hh( ~piqhmk le i~~ip}{eh}x aip ~{`chj jiggke}zpkflpmhef }bk ~cle4

"hhh( jiezhmkp lex ~{`chj jiggke}z pkjkhqkmpkflpmhef }bk ~cle4 lem

"hq( gldk }bk jig~ck}km ~cle lqlhcl`ck }i }bk~{`chj%"J( JIE]KE]Z %Le lccijl}hie ~cle ia l Z}l}k ip Z}l}k

mkzhfel}km ke}h}x {emkp }bhz ~lplfpl~b zblcc zk} aip}b }bkpk|{hpkgke}z aip kchfh`ck pkjh~hke}z {emkp ~lplfpl~b "2(}i l~~cx aip z{jb fple} lgi{e}z# hejc{mhef l pk|{hpkgke}

}bl} kljb z{jb l~~chjl}hie hejc{mk"h( l mkzjph~}hie ia }bk kchfh`ck lj}hqh}hkz }i `kjiem{j}km {zhef z{jb lzzhz}lejk4 lem

"hh( l jkp}hahjl}hie `x }bk kchfh`ck pkjh~hke} l~~cxhefaip z{jb lzzhz}lejk }bl} lex bi{zhef {eh}z lzzhz}kmvh}b z{jb lzzhz}lejk vhcc jig~cx vh}b }bk pk|{hpkgke}z{emkp }bhz zkj}hie%

"1( ZKCKJ]HIE IA LJ]HQH]HKZ A[EMKM [ZHEF BI[ZHEF ]P[Z] A[EM FPLE] LGI[E]Z %Fple} lgi{e}z pkjkhqkm `x lZ}l}k ip Z}l}k mkzhfel}km ke}h}x {emkp }bhz z{`zkj}hie glx`k {zkm# ip jiggh}}km aip {zk# iecx aip lj}hqh}hkz }bl}

"L( lpk kchfh`ck {emkp ~lplfpl~b "6( aip z{jb {zk4"@( jig~cx vh}b }bk l~~chjl`ck lccijl}hie ~cle ia }bk

Z}l}k ip Z}l}k mkzhfel}km ke}h}x {emkp ~lplfpl~b ";(4 lem


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"2( ]KELE] ^PI]KJ]HIEZ LEM ^[@CHJ ^LP]HJH^L]HIE %Lcclgi{e}z apig }bk ]p{z} A{em zblcc `k lccijl}km he ljjipmlejkvh}b# lem lex kchfh`ck lj}hqh}hkz jlpphkm i{} he vbick ip he~lp} vh}b fple} lgi{e}z {emkp }bhz z{`}h}ck "hejc{mhef bi{zhef


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B%P% :00 ~kpjke} ia }bk lpklgkmhle hejigk# vh}b lmo{z}gke}z aip zglcckp lem clpfkp algh'chkz# lz mk}kpghekm `x }bk Zkjpk}lpx%


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B%P% :00 ~kpjke}ip ckzz ia :> ~kpjke} ia }bk lmo{z}km lpkl gkmhlehejigk lz mk}kpghekm `x }bk Zkjpk}lpx }bl} lpk ijj{'~hkm `x kr}pkgkcx civ'hejigk pke}kp bi{zkbicmz ip lpkqljle} aip pke}4 lem

"hh( }bk e{g`kp ia kr}pkgkcx civ'hejigk pke}kpbi{zkbicmz%"@( P[CK IA JIEZ]P[J]HIE %Ha }bk e{g`kp ia {eh}z

mkzjph`km he z{`~lplfpl~b "L("h( krjkkmz }bk e{g`kp ia kr}pkgkcx civ'hejigk bi{zkbicmz lz mkzjph`km he z{`~lpl'fpl~b "L("hh(# }bkpk hz ei zbip}lfk%"=( ZBIP]LFK IA Z]LEMLPM PKE]LC [EH]Z @I]B LAAIPM '

L@CK LEM LQLHCL@CK ]I QKPX CIV ' HEJIGK PKE]KP BI[ZK 'BICMZ %

"L( HE FKEKPLC %]bk }kpg zbip}lfk ia z}lemlpmpke}lc {eh}z `i}b laaipml`ck lem lqlhcl`ck }i qkpx civ'hejigk pke}kp bi{zkbicmz gklez aip lex Z}l}k ip i}bkpfkifpl~bhjlc lpkl }bk fl~ `k}vkke

"h( }bk e{g`kp ia {eh}z vh}b jig~ck}k ~c{g`heflem dh}jbke aljhch}hkz vh}b l pke} }bl} hz :> ~kpjke}ip ckzz ia ;> ~kpjke} ia }bk lmo{z}km lpkl gkmhlehejigk lz mk}kpghekm `x }bk Zkjpk}lpx }bl} lpk ijj{'~hkm `x qkpx civ'hejigk pke}kp bi{zkbicmz ip lpkqljle} aip pke}4 lem

"hh( }bk e{g`kp ia qkpx civ'hejigk pke}kp bi{zk'bicmz%"@( P[CK IA JIEZ]P[J]HIE %Ha }bk e{g`kp ia {eh}z

mkzjph`km he z{`~lplfpl~b "L("h( krjkkmz }bk e{g`kp ia qkpx civ'hejigk bi{zkbicmz lz mkzjph`km he z{`~lplfpl~b

"L("hh(# }bkpk hz ei zbip}lfk%";( QKPX CIV ' HEJIGK ALGHCX %]bk }kpg qkpx civ'hejigkalghcx blz }bk gklehef fhqke z{jb }kpg he zkj}hie :# krjk~}}bl} z{jb }kpg hejc{mkz lex alghcx }bl} pkzhmkz he l p{plclpkl }bl} blz le hejigk }bl} mikz ei} krjkkm }bk ~iqkp}xchek "lz z{jb }kpg hz mkahekm he zkj}hie 16:"0( ia }bk Igeh`{z@{mfk} Pkjiejhchl}hie Lj} ia


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B%P% :00>2# he lex xklp# }bkpk hz kelj}km lex ~piqhzhie ia Akmkplcclv kz}l`chzbhef le laaipml`ck bi{zhef }p{z} a{em i}bkp }ble {emkp}bhz }h}ck aip {zk iecx aip fple}z }i ~piqhmk laaipml`ck pke}lc bi{zheflem laaipml`ck bigkivekpzbh~ i~~ip}{eh}hkz# lem }bk z{`zk|{ke}xklp hz l xklp pkakppkm }i he z{`zkj}hie "j(# }bk Zkjpk}lpx zblcche z{jb z{`zk|{ke} xklp lem lex pkglhehef xklpz pkakppkm }i he


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z{`zkj}hie "j( }plezakp }i z{jb laaipml`ck bi{zhef }p{z} a{em }bklffpkfl}k lgi{e} lccijl}km ~{pz{le} }i z{`zkj}hie "j( he z{jb xklp%Ei}vh}bz}lemhef lex i}bkp ~piqhzhie ia clv# lzzhz}lejk ~piqhmkm{zhef lgi{e}z }plezakppkm }i z{jb laaipml`ck bi{zhef }p{z} a{em~{pz{le} }i }bhz z{`zkj}hie glx ei} `k {zkm aip lex ia }bk lj}hqh}hkzz~kjhahkm he jcl{zkz "h( }bpi{fb "qh( ia z{`zkj}hie "j("8("M(%

"h( A[EMHEF L JJI[E]L@HCH]X LEM ] PLEZ^LPKEJX %Lex fple}{emkp }bhz zkj}hie }i l fple}kk `x l Z}l}k ip Z}l}k mkzhfel}kmke}h}x# lex lzzhz}lejk ~piqhmkm }i l pkjh~hke} `x l Z}l}k ip Z}l}kmkzhfel}km ke}h}x# lem lex fple}# lvlpm# ip i}bkp lzzhz}lejk apigle laaipml`ck bi{zhef }p{z} a{em pkakppkm }i he z{`zkj}hie "b( zblcc

`k jiezhmkpkm l Akmkplc lvlpm aip ~{p~izkz ia }bk Akmkplc A{emhef Ljji{e}l`hch}x lem ]plez~lpkejx Lj} ia 0>>1 ":< [%Z%J% 1< ei}k(%[~ie }bk pk|{kz} ia }bk Mhpkj}ip ia }bk Iaahjk ia Glelfkgke}lem @{mfk}# }bk Zkjpk}lpx zblcc i`}lhe lem ~piqhmk z{jb heaipgl}hiepkflpmhef lex z{jb fple}z# lzzhz}lejk# lem lvlpmz lz }bk Mhpkj}ipia }bk Iaahjk ia Glelfkgke} lem @{mfk} jiezhmkpz ekjkzzlpx }ijig~cx vh}b }bk pk|{hpkgke}z ia z{jb Lj}# lz l~~chjl`ck# ~{pz{le}}i }bk ~pkjkmhef zke}kejk%

ZKJ%


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B%P% :00>2# }bl} l pkipfleh l'}hie ia }bk jig`hekm vipdaipjk hz pk|{hpkm# }bl} pkipfleh l}hiezblcc `k mkkgkm l gloip pkipfleh l}hie aip ~{p~izkz ia laaipmheflaakj}km kg~cixkk pk}hpkgke} {emkp zkj}hie 2::1"m("0( ip

2=


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B%P% :00 mlxz la}kp}bk ml}k ia z{jb kckj}hie ip ei}hjk# vh}bi{} pkflpm }i lexi}bkp pkf{clpcx zjbkm{ckm i~ke zklzie%

Z{`}h}ck J^pig~} Jippkj}hqk Lj}hie

ZKJ%


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pl}k z{aahjhke} }i kel`ck }bk pkf{cl}km ke}h}x }i `kjigklmk|{l}kcx jl~h}lch km vh}bhe l pklziel`ck }hgk%";( PHIP L^ PIQLC IA LJ\[HZH]HIEZ LEM EKV LJ]HQH '

]HKZ %Le {emkpjl~h}lch km pkf{cl}km ke}h}x zblcc ei}# mhpkj}cxip hemhpkj}cx# lj|{hpk lex he}kpkz} he lex ke}h}x ip keflfkhe lex ekv lj}hqh}x# {eckzz

"L( }bk Mhpkj}ip blz ljjk~}km }bk jl~h}lc pkz}ipl}hie~cle ia }bk pkf{cl}km ke}h}x# }bk pkf{cl}km ke}h}x hz hg~ck'gke}hef }bk ~cle# lem }bk Mhpkj}ip mk}kpghekz }bl} }bk~pi~izkm lj}hie hz jiezhz}ke} vh}b lem vhcc a{p}bkp }bkljbhkqkgke} ia }bk ~cle4 ip

"@( }bk Mhpkj}ip mk}kpghekz }bl} }bk ~pi~izkm lj}hievhcc a{p}bkp }bk ~{p~izk ia }bhz z{`}h}ck%4";( he z{`zkj}hie "`(

"L( he }bk z{`zkj}hie bklmhef# `x z}phdhef MHZJPK ']HIELPX 4

"@( he }bk gl}}kp ~pkjkmhef ~lplfpl~b "


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B%P% :00 jlckemlp mlxz blqk `kke# ckzz}ble }bk i`chfl}hiez ia }bk pkf{cl}km ke}h}x }i h}z jpkmh'}ipz lem i}bkpz4 ip

"hh( }bk pkf{cl}km ke}h}x hz ei}# lem m{phef }bk~pkjkmhef 1> jlckemlp mlxz blz ei} `kke# fkekplccx~lxhef }bk mk`}z ia }bk pkf{cl}km ke}h}x "i}bkp }blemk`}z }bl} lpk }bk z{òkj} ia l ìel ahmk mhz~{}k( lz

z{jb mk`}z `kjigk m{k%"@( ^KPHIMHJ MK]KPGHEL]HIE PK\[HPKM AIP JPH]H 'JLCCX [EMKPJL H]LCH_KM PKF[CL]KM KE]H]X %Ha l pkf{'cl}km ke}h}x hz jph}hjlccx {emkpjl~h}lch km# }bk Mhpkj}ip zblccgldk l mk}kpghel}hie# he vph}hef# lz }i vbk}bkp }bk pkf{'cl}km ke}h}x gkk}z }bk jph}kphl z~kjhahkm he jcl{zk "h( ip"hh( ia z{`~lplfpl~b "L(

"h( ei} cl}kp }ble :> jlckemlp mlxz la}kp }bk pkf{'cl}km ke}h}x heh}hlccx `kjigkz jph}hjlccx {emkpjl~h}lc'h km4 lem

"hh( l} cklz} iejk m{phef kljb z{jjkkmhef :>'jlc'kemlp mlx ~kphim%"J( MK]KPGHEL]HIE EI] PK\[HPKM HA PKJKHQKPZBH^

LCPKLMX HE ^CLJK %Z{`~lplfpl~b "@( mikz ei} l~~cx vh}bpkz~kj} }i l pkf{cl}km ke}h}x he lex ~kphim m{phef vbhjb}bk Lfkejx zkpqkz lz pkjkhqkp aip }bk pkf{cl}km ke}h}x%

"M( PKJKHQKPZBH^ ]KPGHEL]KZ JIEZKPQL]IPZBH^ %]bk l~~ihe}gke} ia }bk Lfkejx lz pkjkhqkp ia l pkf{cl}kmke}h}x {emkp }bhz zkj}hie zblcc hggkmhl}kcx }kpghel}k lexjiezkpql}ipzbh~ kz}l`chzbkm aip }bk pkf{cl}km ke}h}x {emkp}bhz }h}ck%";( O[MHJHLC PKQHKV %

"L( HE FKEKPLC %Ha }bk Lfkejx hz l~~ihe}km jiezkp'ql}ip ip pkjkhqkp {emkp }bhz zkj}hie# }bk pkf{cl}km ke}h}xglx# vh}bhe :> mlxz ia z{jb l~~ihe}gke}# `phef le lj}hiehe }bk [eh}km Z}l}kz mhz}phj} ji{p} aip }bk o{mhjhlc mhz}phj}he vbhjb }bk bigk iaahjk ia z{jb pkf{cl}km ke}h}x hz cijl}km#ip he }bk [eh}km Z}l}kz Mhz}phj} Ji{p} aip }bk Mhz}phj}ia Jic{g`hl# aip le ipmkp pk|{hphef }bk Lfkejx }i pkgiqkh}zkca lz jiezkpql}ip ip pkjkhqkp%

"@( PKQHKV %[~ie }bk ahchef ia le lj}hie {emkpz{`~lplfpl~b "L(# }bk ji{p} zblcc# {~ie }bk gkph}z# mhzghzzz{jb lj}hie ip mhpkj} }bk Lfkejx }i pkgiqk h}zkca lz z{jbjiezkpql}ip ip pkjkhqkp%"1( MHPKJ]IPZ EI] CHL@CK AIP LJ\[HKZJHEF HE L^ÎHE] '

GKE] IA JIEZKPQL]IP IP PKJKHQKP %]bk gkg`kpz ia }bkìlpm ia mhpkj}ipz ia l pkf{cl}km ke}h}x zblcc ei} `k chl`ck}i }bk zblpkbicmkpz ip jpkmh}ipz ia }bk pkf{cl}km ke}h}x aiplj|{hkzjhef he ip jiezke}hef he fiim alh}b }i }bk l~~ihe}gke}ia }bk Lfkejx lz jiezkpql}ip ip pkjkhqkp aip }bl} pkf{cl}kmke}h}x%

"6( LFKEJX EI] Z[@OKJ] ]I LEX I]BKP AKMKPLC LFKEJX %Vbke lj}hef lz jiezkpql}ip ip pkjkhqkp# }bk Lfkejxzblcc ei} `k z{òkj} }i }bk mhpkj}hie ip z{~kpqhzhie ia lexi}bkp lfkejx ia }bk [eh}km Z}l}kz ip lex Z}l}k he }bk krkpjhzkia }bk phfb}z# ~ivkpz# lem ~phqhckfkz ia }bk Lfkejx%


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B%P% :00'mlx ~kphim `kfheehefie }bk klpchkp ia

"h( }bk kem ia }bk ~kphim mkzjph`km he ~lplfpl~b";("L("h( vh}b pkz~kj} }i lex jclhg lflhez} l pkf{cl}kmke}h}x aip vbhjb }bk Lfkejx hz pkjkhqkp4 ip

"hh( }bk ml}k ia lex ei}hjk ia mhzlccivlejk ia z{jbjclhg ~{pz{le} }i ~lplfpl~b ";("L("h(%"@( Z]L][]K IA CHGH]L]HIEZ %L jclhg zblcc `k

mkkgkm }i `k mhzlccivkm "i}bkp }ble lex ~ip}hie ia z{jbjclhg vbhjb vlz lccivkm `x }bk pkjkhqkp(# lem z{jb mhz'lccivlejk zblcc `k ahelc# lem }bk jclhgle} zblcc blqk eia{p}bkp phfb}z ip pkgkmhkz vh}b pkz~kj} }i z{jb jclhg# ha }bk jclhgle} alhcz# `kaipk }bk kem ia }bk 1>'mlx ~kphimmkzjph`km {emkp z{`~lplfpl~b "L(# }i ahck z{h} ie z{jbjclhg "ip jie}he{k le lj}hie jiggkejkm `kaipk }bk l~~ihe}'gke} ia }bk pkjkhqkp(%"6( PKQHKV IA JCLHGZ %

"L( I]BKP PKQHKV ^PIJKM[PKZ %"h( HE FKEKPLC %]bk Lfkejx zblcc kz}l`chzb z{jb

lc}kpel}hqk mhz~{}k pkzic{}hie ~pijkzzkz lz glx `kl~~pi~phl}k aip }bk pkzic{}hie ia jclhgz ahckm {emkp~lplfpl~b ";("L("h(%

"hh( JPH]KPHL %He kz}l`chzbhef lc}kpel}hqk mhz~{}kpkzic{}hie ~pijkzzkz# }bk Lfkejx zblcc z}phqk aip ~pijk'm{pkz vbhjb lpk kr~kmh}hi{z# alhp# hemk~kemke}# lemciv jiz}%

"hhh( QIC[E]LPX @HEMHEF IP EIE@HEMHEF ^PIJK 'M[PKZ %]bk Lfkejx glx kz}l`chzb `i}b `hemhef lemeie`hemhef ~pijkzzkz {emkp }bhz z{`~lplfpl~b# vbhjbglx `k jiem{j}km `x lex fiqkpegke} ip ~phql}k ~lp}x%

Lcc ~lp}hkz# hejc{mhef }bk jclhgle} lem }bk Lfkejx#g{z} lfpkk }i }bk {zk ia }bk ~pijkzz he l ~lp}hj{clpjlzk%"@( JIEZHMKPL]HIE IA HEJKE]HQKZ %]bk Lfkejx zblcc

zkkd }i mkqkci~ hejke}hqkz aip jclhgle}z }i ~lp}hjh~l}k he}bk lc}kpel}hqk mhz~{}k pkzic{}hie ~pijkzz%"2( K R^KMH]KM MK]KPGHEL]HIE IA JCLHGZ %

"L( KZ]L@CHZBGKE] PK\[HPKM %]bk Lfkejx zblcckz}l`chzb l ~pijkm{pk aip kr~kmh}km pkchka i{}zhmk ia }bkpi{}hek jclhgz ~pijkzz kz}l`chzbkm {emkp ~lplfpl~b ";( aipjclhgle}z vbi


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"h( lccivkm `x }bk pkjkhqkp4"hh( l~~piqkm `x }bk Lfkejx ~{pz{le} }i l ahelc

mk}kpghel}hie ~{pz{le} }i ~lplfpl~b "6( ip "2(4 ip"hhh( mk}kpghekm `x }bk ahelc o{mfgke} ia lex ji{p}

ia jig~k}ke} o{phzmhj}hie%"@( LFPKKGKE]Z LFLHEZ] ]BK HE]KPKZ] IA ]BK

LFKEJX %Ei lfpkkgke} }bl} }kemz }i mhghehzb ip mkakl}}bk he}kpkz} ia }bk Lfkejx he lex lzzk} lj|{hpkm `x }bk

Lfkejx lz pkjkhqkp {emkp }bhz zkj}hie zblcc `k qlchm lflhez}}bk Lfkejx {eckzz z{jb lfpkkgke} hz he vph}hef lemkrkj{}km `x le l{}biph km iaahjkp ip pk~pkzke}l}hqk ia }bk

pkf{cl}km ke}h}x%"J( LXGKE] IA MHQHMKEMZ IE JCLHGZ %]bk pkjkhqkpglx# he }bk zick mhzjpk}hie ia }bk pkjkhqkp# ~lx apig }bklzzk}z ia }bk pkf{cl}km ke}h}x mhqhmkemz ie ~piqkm jclhgzl} lex }hgk# lem ei chl`hch}x zblcc l}}ljb }i }bk Lfkejx`x pklzie ia lex z{jb ~lxgke}# aip alhc{pk }i ~lx mhqhmkemz}i l jclhgle} vbizk jclhg hz ei} ~piqkm l} }bk }hgk ia lex z{jb ~lxgke}%

"M( P[CKGLDHEF L[]BIPH]X IA ]BK MHPKJ]IP %]bkMhpkj}ip glx ~pkzjph`k z{jb p{ckz# hejc{mhef mkaheh}hiezia }kpgz# lz }bk Mhpkj}ip mkkgz l~~pi~phl}k }i kz}l`chzbl zhefck {ehaipg he}kpkz} pl}k aip# ip }i gldk ~lxgke}zia ~iz}'hezicqkejx he}kpkz} }i jpkmh}ipz bicmhef ~piqkejclhgz lflhez} }bk pkjkhqkpzbh~ kz}l}kz ia }bk pkf{cl}kmke}h}x# aiccivhef zl}hzalj}hie `x }bk pkjkhqkp ia }bk ~phejh~lclgi{e} ia lcc jpkmh}ip jclhgz%"( Z[Z^KEZHIE IA CKFLC LJ]HIEZ %

"L( HE FKEKPLC %La}kp }bk l~~ihe}gke} ia l jiezkp'ql}ip ip pkjkhqkp aip l pkf{cl}km ke}h}x# }bk jiezkpql}ipip pkjkhqkp glx# he lex o{mhjhlc lj}hie ip ~pijkkmhef }ivbhjb z{jb pkf{cl}km ke}h}x hz ip `kjigkz l ~lp}x# pk|{kz}l z}lx aip l ~kphim ei} }i krjkkm

"h( =; mlxz# he }bk jlzk ia lex jiezkpql}ip4 lem"hh( 8> mlxz# he }bk jlzk ia lex pkjkhqkp%

"@( FPLE] IA Z]LX @X LCC JI[P]Z PK\[HPKM %[~iepkjkh~} ia l pk|{kz} `x }bk jiezkpql}ip ip pkjkhqkp {emkpz{`~lplfpl~b "L( aip l z}lx ia lex o{mhjhlc lj}hie ip ~pi'jkkmhef he lex ji{p} vh}b o{phzmhj}hie ia z{jb lj}hie ip~pijkkmhef# }bk ji{p} zblcc fple} z{jb z}lx lz }i lcc ~lp}hkz%"


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"@( GIP]FLFKZ BKCM HE ]P[Z] %"h( HE FKEKPLC %Lex gip}flfk# ~iic ia gip}flfkz#

ip he}kpkz} he l ~iic ia gip}flfkz bkcm he }p{z}# j{z}i'mhlc# ip lfkejx jl~ljh}x `x l pkf{cl}km ke}h}x aip }bk`kekah} ia lex ~kpzie i}bkp }ble }bk pkf{cl}km ke}h}xzblcc ei} `k lqlhcl`ck }i zl}hzax }bk jclhgz ia jpkmh}ipzfkekplccx# krjk~} }bl} ei}bhef he }bhz jcl{zk zblcc `kjiez}p{km }i kr~lem ip i}bkpvhzk laakj} }bk l{}biph}xia lex pkf{cl}km ke}h}x%

"hh( BICMHEF IA GIP]FLFKZ %Lex gip}flfk# ~iicia gip}flfkz# ip he}kpkz} he l ~iic ia gip}flfkzmkzjph`km he jcl{zk "h( zblcc `k bkcm `x }bk jiezkpql}ipip pkjkhqkp l~~ihe}km {emkp }bhz zkj}hie aip }bk `kek'ahjhlc ivekpz ia z{jb gip}flfk# ~iic ia gip}flfkz# iphe}kpkz} he ljjipmlejk vh}b }bk }kpgz ia }bk lfpkkgke}


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"R( gklez lex zkj{ph}x lfpkkgke} ip lpplefk'gke} ip i}bkp jpkmh} keblejkgke} pkcl}km }i lexlfpkkgke} ip }plezlj}hie pkakppkm }i he }bhz jcl{zk#hejc{mhef lex f{lple}kk ip pkhg`{pzkgke} i`chfl'}hie he jieekj}hie vh}b lex lfpkkgke} ip }plez'lj}hie pkakppkm }i he }bhz jcl{zk%"hhh( JIGGIMH]X JIE]PLJ] %]bk }kpg jig'

gimh}x jie}plj} gklez"H( vh}b pkz~kj} }i l a{}{pkz jigghzzhie gkp'

jble}# l jie}plj} aip }bk ~{pjblzk ip zlck ia ljiggimh}x aip a{}{pk mkchqkpx ie# ip z{òkj} }i

}bk p{ckz ia# l jie}plj} glpdk} ip ìlpm ia }plmk4"HH( vh}b pkz~kj} }i l aipkhfe a{}{pkz jigghz'zhie gkpjble}# l aipkhfe a{}{pk4

"HHH( vh}b pkz~kj} }i l ckqkplfk }plezlj}hiegkpjble}# l ckqkplfk }plezlj}hie4

"HQ( vh}b pkz~kj} }i l jcklphef ipfleh l}hie#l jie}plj} aip }bk ~{pjblzk ip zlck ia l jiggimh}xaip a{}{pk mkchqkpx ie# ip z{òkj} }i }bk p{ckz ia#l jie}plj} glpdk} ip ìlpm ia }plmk }bl} hz jcklpkm`x z{jb jcklphef ipfleh l}hie# ip jiggimh}x i~}hie}plmkm ie# ip z{òkj} }i }bk p{ckz ia# l jie}plj}glpdk} ip ìlpm ia }plmk }bl} hz jcklpkm `x z{jbjcklphef ipfleh l}hie4

"Q( vh}b pkz~kj} }i l jiggimh}x i~}hiezmklckp# l jiggimh}x i~}hie4

"QH( lex i}bkp lfpkkgke} ip }plezlj}hie }bl}hz zhghclp }i lex lfpkkgke} ip }plezlj}hie pkakppkm}i he }bhz jcl{zk4

"QHH( lex jig`hel}hie ia }bk lfpkkgke}z ip}plezlj}hiez pkakppkm }i he }bhz jcl{zk4

"QHHH( lex i~}hie }i ke}kp he}i lex lfpkkgke}ip }plezlj}hie pkakppkm }i he }bhz jcl{zk4

"HR( l glz}kp lfpkkgke} }bl} ~piqhmkz aiple lfpkkgke} ip }plezlj}hie pkakppkm }i he z{`'jcl{zk "H(# "HH(# "HHH(# "HQ(# "Q(# "QH(# "QHH(# ip "QHHH(#}ifk}bkp vh}b lcc z{~~ckgke}z }i lex z{jb glz}kplfpkkgke}# vh}bi{} pkflpm }i vbk}bkp }bk glz}kplfpkkgke} ~piqhmkz aip le lfpkkgke} ip }plez'lj}hie }bl} hz ei} l jiggimh}x jie}plj} {emkp }bhzjcl{zk# krjk~} }bl} }bk glz}kp lfpkkgke} zblcc`k jiezhmkpkm }i `k l jiggimh}x jie}plj} {emkp}bhz jcl{zk iecx vh}b pkz~kj} }i kljb lfpkkgke}ip }plezlj}hie {emkp }bk glz}kp lfpkkgke} }bl}hz pkakppkm }i he z{`jcl{zk "H(# "HH(# "HHH(# "HQ(# "Q(#"QH(# "QHH(# ip "QHHH(4 ip

"R( lex zkj{ph}x lfpkkgke} ip lpplefkgke}ip i}bkp jpkmh} keblejkgke} pkcl}km }i lex lfpkk'gke} ip }plezlj}hie pkakppkm }i he }bhz jcl{zk#hejc{mhef lex f{lple}kk ip pkhg`{pzkgke} i`chfl'}hie he jieekj}hie vh}b lex lfpkkgke} ip }plez'lj}hie pkakppkm }i he }bhz jcl{zk%"hq( AIPVLPM JIE]PLJ] %]bk }kpg aipvlpm jie'

}plj} gklez"H( l jie}plj} "i}bkp }ble l jiggimh}x jie'

}plj}( aip }bk ~{pjblzk# zlck# ip }plezakp ia l jig'gimh}x ip lex zhghclp fiim# lp}hjck# zkpqhjk# phfb}#


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B% P% :00># }bk zkj{ph}hkz clvz "lz }bl}}kpg hz mkahekm he zkj}hie :"l("=6( ia }bk Zkj{ph}hkz Krjblefk

Lj} ia


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B% P% :00 mlxz la}kp}bk ml}k ia pkjkh~} ia z{jb pk|{kz}# {eckzz kr}kemkm l}}bk pk|{kz} ia z{jb ~lp}x( lem ~cljk l} vbhjb }bk ke}h}x'

laahchl}km ~lp}x glx l~~klp# ~kpzielccx ip }bpi{fb ji{ezkc#`kaipk }bk Mhpkj}ip ip < ip gipk mkzhfel}km kg~cixkkzia }bk Mhpkj}ip }i z{`gh} vph}}ke gl}kphlcz "ip# l} }bkmhzjpk}hie ia }bk Mhpkj}ip# iplc }kz}hgiex( lem iplc lpf{'gke}%

"J( MK]KPGHEL]HIE %Ei} cl}kp }ble 1> mlxz la}kp}bk ml}k ia l bklphef {emkp z{`~lplfpl~b "@(# }bk Mhpkj}ipzblcc ei}hax }bk ke}h}x'laahchl}km ~lp}x vbk}bkp }bk z{z~ke'zhie ip ~pibh`h}hie apig ~lp}hjh~l}hie he lex gleekp he}bk jiem{j} ia }bk laalhpz ia }bk pkf{cl}km ke}h}x vhcc `kjie}he{km# }kpghel}km# ip i}bkpvhzk gimhahkm# ip vbk}bkp}bk ipmkp pkgiqhef z{jb ~lp}x apig iaahjk ip ~pibh`h}hefz{jb ~lp}x apig a{p}bkp ~lp}hjh~l}hie he lex gleekp he}bk jiem{j} ia }bk laalhpz ia }bk pkf{cl}km ke}h}x vhcc `kpkzjhemkm ip i}bkpvhzk gimhahkm% Z{jb ei}hahjl}hie zblcc

jie}lhe l z}l}kgke} ia }bk `lzhz aip lex lmqkpzk mkjhzhieia }bk Mhpkj}ip%";( P[CKZ %]bk Mhpkj}ip hz l{}biph km }i ~pkzjph`k z{jb

p{ckz lz glx `k ekjkzzlpx }i jlppx i{} }bhz z{`zkj}hie%%"`( J IEAIPGHEF L GKEMGKE]Z %

"


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B% P% :00>> aip kljb mlx m{phef vbhjb l qhicl}hie jie}he{kz# ha z{jb pkf{cl}km ke}h}x ip ~lp}x

"L( qhicl}kz lex ~piqhzhie ia }bhz }h}ck# }bk l{}biph hefz}l}{}kz# ip lex ipmkp# jiemh}hie# p{ck# ip pkf{cl}hie {emkp}bhz }h}ck ip lex l{}biph hef z}l}{}k4


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B% P% :00>#>>>#>>> kljb ~cljk z{jb }kpg l~~klpz lem hezkp}hef->>#>>>#>>>%

"`( [ ZK IA L MQLEJKZ AIP J IGG[EH]X MKQKCI^GKE] L J]HQH ']HKZ %Zkj}hie "l( ia }bk Akmkplc Bigk Cile @led Lj} "


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B% P% :00: ia }h}ck ;# [eh}km Z}l}kzJimk%

"`( F [LPLE]KKM ^ IZH]HIEZ %"


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B% P% :002# }bk gip}flfip zblcc blqk blm l pl}hiia gip}flfk mk`} }i hejigk# }ldhef he}i jiezhmkpl}hie lcckrhz}hef gip}flfkz ia }bl} gip}flfip l} z{jb }hgk# fpkl}kp}ble :< ~kpjke} "ip z{jb bhfbkp lgi{e} lz }bk @ilpmmk}kpghekz l~~pi~phl}k(%"0( MK]KPGHEL]HIE IA ^PHEJH^LC I@CHFL]HIE LGI[E] %

]bk ~phejh~lc i`chfl}hie lgi{e} ia }bk pkahelejkm kchfh`ck gip}'flfk }i `k hez{pkm zblcc

"L( `k mk}kpghekm `x }bk pklziel`ck l`hch}x ia }bkgip}flfip }i gldk bhz ip bkp gip}flfk ~lxgke}z# lz z{jbl`hch}x hz mk}kpghekm `x }bk Zkjpk}lpx ~{pz{le} }i zkj}hie0>:"`("=( ip `x lex i}bkp {emkpvph}hef z}lemlpmz kz}l`'chzbkm `x }bk @ilpm4 lem

"@( ei} krjkkm 8> ~kpjke} ia }bk l~~plhzkm qlc{k ia }bk ~pi~kp}x }i vbhjb z{jb gip}flfk pkcl}kz%":( PK\[HPKM VLHQKP IA ^PK LXGKE] ^KELC]HKZ LEM AKKZ %Lcc ~kelc}hkz aip ~pk~lxgke} ip pkahelejhef ia }bk

kchfh`ck gip}flfk# lem lcc akkz lem ~kelc}hkz pkcl}km }i mkal{c}ip mkche|{kejx ie }bk kchfh`ck gip}flfk# zblcc `k vlhqkm ipaipfhqke%

"=( K R]HEF[HZBGKE] IA Z[@IPMHEL]K CHKEZ %"L( PK\[HPKM LFPKKGKE] %Lcc bicmkpz ia i{}z}lemhef

gip}flfk chkez ie }bk ~pi~kp}x }i vbhjb }bk kchfh`ck gip}'flfk pkcl}kz zblcc lfpkk }i ljjk~} }bk ~pijkkmz ia }bkhez{pkm cile lz ~lxgke} he a{cc ia lcc hemk`}kmekzz {emkp}bk kchfh`ck gip}flfk# lem lcc kej{g`plejkz pkcl}km }iz{jb kchfh`ck gip}flfk zblcc `k pkgiqkm% ]bk Zkjpk}lpxglx }ldk z{jb lj}hiez# z{`okj} }i z}lemlpmz kz}l`chzbkm`x }bk @ilpm {emkp z{`~lplfpl~b "@(# lz glx `k ekjkzzlpxlem l~~pi~phl}k }i aljhch}l}k jiipmhel}hie lem lfpkkgke}


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B% P% :000"k( ia }bhz Lj}}bl} l~~cx }i lcc cilez hez{pkm {emkp }bhz Lj}4 lem

"K( jig~cx vh}b }bk pk|{hpkgke}z ia z{`zkj}hie "f(ia }bhz zkj}hie "pkcl}hef }i l~~plhzlc hemk~kemkejk(%

"8( MIJ[GKE]L]HIE LEM QKPHAHJL]HIE IA HEJIGK %Hejig~cxhef vh}b }bk ABL {emkpvph}hef pk|{hpkgke}z {emkp }bkBI^K aip Bigkivekpz ^pifplg {emkp }bhz zkj}hie# }bk gip}'flfkk zblcc mij{gke} lem qkphax }bk hejigk ia }bk gip}flfipip eie'ahchef z}l}{z `x ~pij{phef "L( le hejigk }lr pk}{pe}plezjph~} ia }bk hejigk }lr pk}{pez ia }bk gip}flfip# ip"@(l ji~x ia }bk hejigk }lr pk}{pez apig }bk He}kpelc Pkqke{kZkpqhjk# aip }bk }vi giz} pkjke} xklpz aip vbhjb }bk ahchefmklmchek aip z{jb xklpz blz ~lzzkm lem `x lex i}bkp gk}bim#he ljjipmlejk vh}b ~pijkm{pkz lem z}lemlpmz }bl} }bk @ilpmzblcc kz}l`chzb%

"( GIP]FLFK APL[M %]bk gip}flfip zblcc ei} blqk`kke jieqhj}km {emkp Akmkplc ip Z}l}k clv aip apl{m m{phef}bk 'xklp ~kphim kemhef {~ie }bk hez{plejk ia }bk gip}flfk{emkp }bhz zkj}hie%

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B% P% :00 ~kpjke} ia z{jb k|{h}x%

"@( Ha z{jb zlck ip pkahelejhef ijj{pz m{phef }bk ~kphim}bl} `kfhez < xklp la}kp z{jb ml}k ia hez{plejk lem kemz0 xklpz la}kp z{jb ml}k ia hez{plejk# }bk Zkjpk}lpx zblcc`k ke}h}ckm }i 8> ~kpjke} ia z{jb k|{h}x lem }bk gip}flfipzblcc `k ke}h}ckm }i ~kpjke} ia z{jb k|{h}x%

"J( Ha z{jb zlck ip pkahelejhef ijj{pz m{phef }bk ~kphim}bl} `kfhez 0 xklpz la}kp z{jb ml}k ia hez{plejk lem kemz: xklpz la}kp z{jb ml}k ia hez{plejk# }bk Zkjpk}lpx zblcc`k ke}h}ckm }i 2> ~kpjke} ia z{jb k|{h}x lem }bk gip}flfipzblcc `k ke}h}ckm }i 0> ~kpjke} ia z{jb k|{h}x%

"M( Ha z{jb zlck ip pkahelejhef ijj{pz m{phef }bk ~kphim}bl} `kfhez : xklpz la}kp z{jb ml}k ia hez{plejk lem kemz


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B% P% :00 ~kpjke} ia z{jb k|{h}x%

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MK]KPGHEHEF KCHFH@CK @LZHZ %]bk kchfh`ck `lzhz ia l`{hcmhef zblcc ei} hejc{mk lex jiz}z ahelejkm vh}b }bk ~pi'jkkmz ia l akmkplccx a{emkm fple}%%

"k( ZHG^CHAHJL]HIE IA P KCL]KM ^ LP]X P [CKZ %Jcl{zk "hhh( ia zkj}hie =0"m("0("M(# `kaipk pkmkzhfel}hie {emkp z{`zkj}hie "f("0(#hz lgkemkm

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"1( EI PKJL^][PK IE MHZ IZH]HIE IA @[HCMHEF VBHJB JIE]HE[KZ HE \[LCHAHKM [ZK %

"L( HE FKEKPLC %]bk hejpklzk he }lr {emkp }bhz z{`'zkj}hie zblcc ei} l~~cx zickcx `x pklzie ia }bk mhz~izh}hieia l `{hcmhef "ip le he}kpkz} }bkpkhe( ha h} hz pklziel`cxkr~kj}km }bl} z{jb `{hcmhef vhcc jie}he{k }i `k i~kpl}kmlz l |{lchahkm civ'hejigk `{hcmhef aip }bk pkglhehef jig~ch'lejk ~kphim vh}b pkz~kj} }i z{jb `{hcmhef%

"@( Z]L][]K IA CHGH]L]HIEZ %Ha l `{hcmhef "ip lehe}kpkz} }bkpkhe( hz mhz~izkm ia m{phef lex }lrl`ck xklplem }bkpk hz lex pkm{j}hie he }bk |{lchahkm `lzhz ia z{jb

`{hcmhef vbhjb pkz{c}z he le hejpklzk he }lr {emkp }bhzz{`zkj}hie aip z{jb }lrl`ck ip lex z{`zk|{ke} }lrl`ck xklp#}bke

"h( }bk z}l}{}ipx ~kphim aip }bk lzzkzzgke} ia lexmkahjhkejx vh}b pkz~kj} }i z{jb hejpklzk he }lr zblccei} kr~hpk `kaipk }bk kr~hpl}hie ia : xklpz apig }bkml}k }bk Zkjpk}lpx hz ei}hahkm `x }bk }lr~lxkp "he z{jbgleekp lz }bk Zkjpk}lpx glx ~pkzjph`k( ia z{jb pkm{j'}hie he |{lchahkm `lzhz# lem

"hh( z{jb mkahjhkejx glx `k lzzkzzkm `kaipk }bkkr~hpl}hie ia z{jb :'xklp ~kphim ei}vh}bz}lemhef }bk~piqhzhiez ia lex i}bkp clv ip p{ck ia clv vbhjb vi{cmi}bkpvhzk ~pkqke} z{jb lzzkzzgke}%%

"m( KEKPFX KAAHJHKEJX LEM B HZ]IPHJ E L][PK ] LDKE HE]I L JJI[E] HE G LDHEF L CCIJL]HIEZ %Z{`~lplfpl~b "J( ia zkj}hie

=0"g(" ia }bk Bi{zhef

Lj} ia


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B% P% :00>;% ]PKL]GKE] IA GHCH]LPX @LZHJ ^LX%

"l( HE F KEKPLC %Z{`~lplfpl~b "@( ia zkj}hie 2# blz hejpklzkm`x ei} ckzz }ble 0> ~kpjke}# lz jig~lpkm }i z{jbe{g`kp ie Mkjkg`kp :>;# ip

"HH( he lex ji{e}x lmoljke} }i l ji{e}xmkzjph`km he z{`jcl{zk "H(%"hq( \[LCHAHKM GHCH]LPX HEZ]LCCL]HIE %Aip ~{p'

~izkz ia jcl{zk "hhh(# }bk }kpg |{lchahkm ghch}lpxhez}lccl}hie gklez lex ghch}lpx hez}lccl}hie ip aljhch}x}bk e{g`kp ia gkg`kpz ia }bk Lpgkm Aipjkz ia }bk[eh}km Z}l}kz lzzhfekm }i vbhjb# lz ia O{ek >2#hz ei} ckzz }ble >>%%

"`( K AAKJ]HQK M L]K %]bk lgkemgke}z glmk `x }bhz zkj}hiezblcc l~~cx }i

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B% P% :00>6 ip 0>>2 ha z{jb mk}kpghel}hie vi{cmblqk `kke ckzz `{} aip }bk B[M bicm blpgckzz ~ichjx%%

"`( K AAKJ]HQK M L]K %]bk lgkemgke} glmk `x }bhz zkj}hiezblcc l~~cx }i mk}kpghel}hiez ia lpkl gkmhle fpizz hejigk aipjlckemlp xklpz la}kp 0>>2%ZKJ% :>% KRJK^]HIE ]I LEE[LC J[PPKE] HEJIGK MK]KPGHEL'

]HIE PK\[HPKGKE] VBKPK MK]KPGHEL]HIE EI] PKC'

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"@( G LPPHKM HEMHQHM[LCZ AHCHEF ZK^LPL]KCX %He }bkjlzk ia l glpphkm hemhqhm{lc ahchef l zk~lpl}k pk}{pe#z{`~lplfpl~b "L( zblcc `k l~~chkm `x z{`z}h}{}hef -:#6;>aip -6#;>>%

"J( I]BKP HEMHQHM[LCZ %Ha }vi ip gipk hemhqhm{lczvbi lpk ei} glpphkm ~{pjblzk l ~phejh~lc pkzhmkejk# }bklgi{e} ia }bk jpkmh} lccivkm {emkp z{`zkj}hie "l( zblcc`k lccijl}km lgief z{jb hemhqhm{lcz he z{jb gleekp lz}bk Zkjpk}lpx glx ~pkzjph`k# krjk~} }bl} }bk }i}lc lgi{e}ia }bk jpkmh}z lccivkm }i lcc z{jb hemhqhm{lcz zblcc ei}krjkkm -6#;>>%"0( CHGH]L]HIE @LZKM IE GIMHAHKM LMO[Z]KM FPIZZ

HEJIGK %"L( HE FKEKPLC %]bk lgi{e} lccivl`ck lz l jpkmh}

{emkp z{`zkj}hie "l( "mk}kpghekm vh}bi{} pkflpm }i }bhz~lplfpl~b( aip }bk }lrl`ck xklp zblcc `k pkm{jkm "`{} ei}


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pk}{pe(# klpz }i"hh( -0>#>>>%

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lccivkm }i lex }lr~lxkp aip lex }lrl`ck xklp vh}b pkz~kj} }i }bk~{pjblzk ia l pkzhmkejk ha

"J "pkcl}hef }i ahpz}'}hgkbigk`{xkp he }bk Mhz}phj} ia Jic{g`hl( hz lccivl`ck }i }bk}lr~lxkp "ip }bk }lr~lxkpz z~i{zk( aip z{jb }lrl`ck xklp iplex ~phip }lrl`ck xklp#


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Date post:	06-Apr-2018
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Housing and Economic Recovery Act_HR 3221

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