of 79
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Hf( =7"=493;
VVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVV
OH YCL \HOYLI UYMYLU EF\QY FD MWWLM@UDFQ YCL HOHYC EOQE\OY
VVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVV
JMYCQ_H BEFBOL"KQM_
W`mohyodd Mwwl``mhy
t(
AMHJ FD MBLQOEM CFBL @FMHU
Ildlhimhy"Mwwl``ll
VVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVV
Fh Mwwlm` Dqfb Ycl \hoyli Uymylu Iouyqoey Ef|qy
Lmuylqh Iouyqoey fd Em`odfqhom
VVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVV
MWWL@@MHYU FWLHOHK AQOLD
VVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVVV
Imhol` N( B|``okmh
NLHJOHU B\@@OKMH $ KMAQOL@ @@W
=773< Emqqf`` Emhfh Qfmi, U|oyl 1=7
Umh Iolkf, EM ?1=5=
#9= =7"=493; =7&13&17=7 OI> ; ;"= Wmkl> = fd 19 #= fd
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o
YMA@L FD EFHYLHYU
O( N\QOUIOEYOFHM@ UYMYLBLHY ((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((( 1
OO( UYMYLBLHY FD OUU\LU FH MWWLM@ ((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((( 1
OOO( UYMYLBLHY FD YCL EMUL MHI IOUWFUOYOFH AL@F[(((((((((((((((((((((((((((( 5
OT( UYMYLBLHY FD DMEYU ((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((( 9
T( U\BBMQ_ FD MQK\BLHY(((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((( 4
TO( UYMHIMQI FD QLTOL[ ((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((( ;
TOO( MQK\BLHY(((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((( ;
M( Ycl Uymy|yl Emhhfy Al Qlmi Yf Ql}|oql M @m{u|oy Al Aqf|kcy[oycoh Ycqll _lmqu((((((((((((( ;
A( Wqofq Efhyqf``ohk Ileouofhu Efbwl` Ycl Efhe`|uofh Ycmy M @m{u|oy Hlli
Hfy Al Do li [oycoh Ycqll _lmqu (((((((( =5
E( M|ycfqoyolu Mql Uw`oy Mu yf [clyclq U|oy Hlli Al Do`li [oycohYcqll _lmqu = =7"=493; =7&13&17=7 OI> ; ;"= Wmkl> 1 fd 19 #1 fd
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oo
YMA@L FD M\YCFQOYOLU
EMULU
Wmkl
M``lh t( Alhldoeom` Dohmhel Ef(,5?5 D(U|ww( =531 #H(I(Ohi(=?; ; ;"= Wmkl> 5 fd 19 #5 fd
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ooo
\hoyli Uymylu t( Qfh Wmoq Lhylqu(,
93? \(U( 15
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1
O(
N\QOUIOEYOFHM@ UYMYLBLHY
Ycou ou mh mwwlm` dqfb m dohm` n|ikblhy lhylqli a ycl \hoyli Uymylu
Iouyqoey Ef|qy, Lmuylqh Iouyqoey fd Em odfqhom( Ycl |hilq`ohk e`mob {mu
aqf|kcy |hilq ycl Yq|yc Oh @lhiohk Mey, =< \(U(E( =47=, ly(ul} #YO@M/(
Ycl ef|qy al`f{ cmi n|qouioeyofh w|qu|mhy yf =< \(U(E( =497#l/( N|ikblhy
{mu lhylqli fh N|hl 15, 17=7ZLQ 5R=( M yobl` hfyoel fd mwwlm` {mu do`li
fh N|` 4, 17=7ZLQ =R(
OO(
UYMYLBLHY FD OUU\LU FH MWWLM@
YO@M wqftoilu ycmy m }|m`odoli afqqf{lq ulljohk yf qlueohi m `fmh
b|uy if uf a hfyodohk ycl eqlioyfq, oh meefqimhel {oyc qlk|`myofhu fd ycl
ZDlilqm` QlulqtlR Afmqi, fd cou ohylhyofh yf if uf {oycoh ycqll lmqu fd ycl
imyl fd ycl `fmh yqmhumeyofh( YO@M, =< \(U(E( =45 < fd 19 #< fd
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5
OOO(
UYMYLBLHY FD YCL EMUL MHI IOUWFUOYOFH AL@F[
Ycou ou mh meyofh yf lhdfqel qlueouuofh qokcyu |hilq ycl Yq|yc Oh
@lhiohk Mey aqf|kcy a ycl W`mohyodd&Mwwl``mhy Bu( BeFbol"Kqm
#W`mohyodd/,1
oh efhhleyofh {oyc m doquy yq|uy illi bfqykmkl `fmh ucl
faymohli, {coec ou w|qwfqyli` hf{ f{hli a Ildlhimhy&Mwwl``ll, Amhj fd
Mblqoem Cfbl @fmh #Ildlhimhy/( Ycl emul {mu do`li oh ycl \hoyli Uymylu
Iouyqoey Ef|qy, Lmuylqh Iouyqoey fd Em`odfqhom fh M|k|uy 13, 177? mhi
muuokhli yf ycl Cfh( Bfqqoufh E( Lhk`mhi ZLQ ==, Ijy( 1R( Ildlhimhy do`li
mh ohoyom` bfyofh yf ioubouu {coec {mu kqmhyli {oyc `lmtl yf mblhi( ZLQ =1,
Ijy( = 4 fd 19 #4 fd
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9
OT(
UYMYLBLHY FD DMEYU
Dfq w|qwfulu fd ycou mwwlm`, ycl |hilq`ohk dmeyu mql |hiouw|yli, Ycl
dmeyu mql uly dfqyc oh ycl Doquy Mblhili Efbw`mohy ZDME, LQ =1 Ijy( =4R(5
W`mohyodd ou m 4; lmq f`i {fbmh {cf f{hu mhi `otlu my ycl qlm`
wqfwlqy efbbfh` ilueqoali mu 945= 15qi
Uyqlly, Umeqmblhyf, Em`odfqhom
#clqlmdylq ycl Wqfwlqy/( Ycl Wqfwlqy ou W`mohyoddu wqoheowm` mhi dmbo`
qluoilhel( Fh fq maf|y Mwqo` =9, 1774, W`mohyodd {mu wqlulhyli {oyc `fmh
ife|blhyu yf uokh oh efhhleyofh {oyc ycl `fmh mqqmhkli a Wmqmbf|hy
L}|oy Bfqykmkl #clqlmdylq Wmqmbf|hy/ ZDME, = ; ;"= Wmkl> ; fd 19 #; fd
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=7"=493; =7&13&17=7 OI> ; ;"= Wmkl> 3 fd 19 #3 fd
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4
Oh ileoiohk ycl ouu|l, ycl ef|qy al`f{ bmil oy e`lmq ycmy ycl fh` ouu|l
wqlulhyli {mu {clyclq m afqqf{lq b|uy uobw` wqftoil hfyoel fd qlueouuofh
fq do`l u|oy {oycoh ycqll lmqu>
Ycl ouu|l aldfql ycl Ef|qy, yclqldfql, ou {clyclq Uleyofh
=45 ? fd 19 #? fd
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;
mh miioyofhm` ql}|oqlblhy ycmy m `m{u|oy dfq qlueouuofh b|uy m`uf al ohuyoy|yli
{oycoh ycl ycqll lmq wlqofi {clh hf u|ec `mhk|mkl lsouyu oh ycl uymy|yl {mu
lqqfq( Ull =1 E(D(Q( 114(15#m/#5/,Amuhokcy t(Iombfhi Iltl`fwlqu,Ohe(,
#177=/ =94 D(U|ww(1i ; ; ;"= Wmkl> =7 fd 19 #=7 fd
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3
Efhkqluu+ ohylhy( \hoyli Uymylu t( Qfh Wmoq Lhylqu(, 93? \(U( 15
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?
Dlilqm` Yq|yc oh @lhiohk Mey, =< \(U(E( =45 =1 fd 19 #=1 fd
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=7
qlk|`myofhu fd ycl ZDlilqm` QlulqtlR Afmqi, fd cou ohylhyofh yf if uf( = ; ;"= Wmkl> =9 fd 19 #=9 fd
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=1
efhyqf``ohk Hohyc Eoqe|oy==
wqlelilhy m`` e`lmq` efhylbw`myl ycmy
efhul}|lhelu {o`` wqfelli m|yfbmyoem`` df``f{ohk ycl ouu|mhel fd m hfyoel
fd qlueouuofh, {oycf|y mh hlli dfq loyclqycl `lhilqu efhulhy fq m Ef|qy
ilylqbohmyofh, |h`luu ycl `lhilq yobl` iouw|ylu ycl tm`oioy fd ycl hfyoel fd
qlueouuofh #{coec ioi hfy fee|q oh ycou emul/( Ohilli, oy mwwlmqu ycmy ycl
a|qilh fd efbblheohk `oyokmyofh ou fh ycl `lhilq&eqlioyfq, hfy ycl afqqf{lq(
ZERfhu|blqu lddley qlueouuofh a kotohk hfyoel yf ycl eqlioyfq ycmy ycl {ouc
yf qlueohi( M eqlioyfq cmu hf ioueqlyofh yf ilh m qlueouuofh ql}|luy mhi
b|uy mey fh oy: cf{ltlq, oy bm ullj ile`mqmyfq ql`old dqfb m ef|qy {clql oy
iouw|ylu ycl tm`oioy fd ycl qlueouuofh e`mob( ( ( B|qjlh, Qfalqy, Emhy
Kly Hf Umyoudmeyofh6 Qltouohk Cf{ Ef|qyu Qlueohi Cfbl L}|oy @fmhu
Mh ule|qoy ohylqluy kotohk qoul yf ycl qokcy fd qlueouuofhalefblu tfoi {clh ycl efhu|blq lslqeoulu ycl qokcy fd
qlueouuofh( Ycl ule|qoy ohylqluy ou m|yfbmyoem`` hlkmyli
#lbwcmuou u|ww`oli/(
==_mbmbfyf t( Amhj fd Hl{ _fqj, 51? D(5i ==4; #?yc Eoq( 1775/(
Ycl Hohyc Eoqe|oy lsw`mohli>
Ycl uymy|yl mifwyu m ul}|lhel fd qlueouuofh mhi ylhilq ycmy b|uy
al df``f{li |h`luu ycl Ef|qy fqilqu fyclq{oul> {oycoh y{lhyimu fd qlelotohk m hfyoel fd qlueouuofh, ycl eqlioyfq ou yf qly|qh
mh bfhl fq wqfwlqy mhi qld`ley ylqbohmyofh fd ycl ule|qoy
ohylqluyu: {clh ycl eqlioyfq cmu bly yclul fa`okmyofhu, ycl
afqqf{lq ou yf ylhilq ycl wqfwlqy(
51? D(5i( my ==;7 #lbwcmuou u|ww`oli/(
Emul> =7"=493; =7&13&17=7 OI> ; ;"= Wmkl> =< fd 19 #=< fd
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=5
\hilq ycl Yq|yc oh @lhiohk Mey, ;; Ylbw( @( Qlt( 9 Ycl ilbmhi dfq
qlueouuofh b|uy al bmil {oycoh ycqll lmqu( M jl emul fh wfohy ou ycl
\hoyli Uymylu U|wqlbl Ef|qy ileouofh ohAlmec t Fe{lh Dli( Amhj, ; ;"= Wmkl> =4 fd 19 #=4 fd
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=9
mh mauf`|yl amq( OhAlmec, ycl U|wqlbl Ef|qy lsmbohli ycl {fqiohk fd ycl
uymy|yl mhi uwleodoem`` uymyli ycmy u|auleyofh Z=45
Emul> =7"=493; =7&13&17=7 OI> ; ;"= Wmkl> =; fd 19 #=; fd
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= =3 fd 19 #=3 fd
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=4
Ycl U|wqlbl Ef|qy oh Fe{lh Dlilqm` Amhj, ycl emul ycl
Bok|l` ef|qy ql`oli fh oh efhe`|ili =45 =7"=493; =7&13&17=7 OI> ; ;"= Wmkl> =? fd 19 #=? fd
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=;
\(U (E( =497#l/ wqftoilu ycl afqqf{lq fhl lmq dqfb ycl
qld|um` fd emhel``myofh yf do`l u|oy, ycmy ou hfy ycl ouu|l aldfql |u(
Qmyclq, ycl ouu|l ou {clyclq clq emhel``myofh {mu lddleyotl ltlh
ycf|kc oy {mu hfy qlelotli a ycl Amhj"ycl eqlioyfq"{oycoh ycl
ycqll"lmq uymy|yl fd qlwful(Bok|l` 57? D(5i my ==4 ; ;"= Wmkl> 17 fd 19 #17 fd
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=3
qlueouuofh ilbmhi yf ycl `lhilq b|uy al bmil {oycoh ycqll lmqu, hfy ycmy
u|oy b|uy al do`li {oycoh ycou wlqofi(
TOOO(
EFHE@\UOFH
Ycl }|luyofh wqlulhyli clql cmu allh ilamyli oh ef|qyu meqfuu ycl
ef|hyq oh qlelhy lmqu {oyc ycl lsw`fuofh fd `oyokmyofh qlu|`yohk dqfb ycl
bfqykmkl eqouou( Ycl Iouyqoeyu ef|qyu ileouofh oh ycou emul ou ioqley`
efhyqmq yf ycl q|`ohk oh Umhyfu( M ildohoyotl mhu{lq dqfb ycou Ef|qy ou yc|u
hllili yf ulyy`l ycl ouu|l wqlulhyli( Amuli |wfh ycl w`moh qlmiohk fd ycl
uymy|yl, mhi ycl qlk|`myofhu, ycl mhu{lq ucf|`i al ycmy YO@M fh` ql}|oqlu
ycmy m afqqf{lq ilbmhi qlueouuofh {oycoh ycqll lmqu( Ycl Iouyqoey Ef|qyu
ileouofh ucf|`i al qltlquli(
[CLQLDFQL,
W`mohyodd qluwleyd|`` ql}|luyu ycmy ycou bmyylq al qltlquli mhi
qlbmhili(
Imyli> Feyfalq 13, 17=7
Qluwleyd|`` U|aboyyliNLHJOHU B\@@OKMH $ KMAQOL@ @@W@M[ FDDOELU FD UOBBFHU $ W\QI_
A> &u& Imhol` N( B|``okmh
Emul> =7"=493; =7&13&17=7 OI> ; ;"= Wmkl> 1= fd 19 #1= fd
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=?
UYMYLBLHY FD QL@MYLI EMULU
W|qu|mhy yf Eoqe|oy Q|`l 13"1(4, W`mohyodd&Mwwl``mhy uymylu ycmy ucl ou
hfy m{mql fd mh ql`myli emulu wlhiohk oh ycou Ef|qy(
&u& Imhol` N( B|``okmh
Emul> =7"=493; =7&13&17=7 OI> ; ;"= Wmkl> 11 fd 19 #11 fd
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8/2/2019 TILA APPEAL NINTH CIRCUIT-MCOMIE-GRAY V BANK OF AMERICA-OPENING APPEAL BRIEF AND REPLY BRIEF HERE-2012
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1=
?YC
Eoqe|oy Emul H|balq =7"=493;
ELQYODOEMYL FD ULQTOEL
O clqla elqyod ycmy O l`leyqfhoem`` do`li ycl dfqlkfohk {oyc ycl E`lqj
fd ycl Ef|qy dfq ycl \hoyli Uymylu Ef|qy fd Mwwlm`u dfq ycl Hohyc Eoqe|oy a
|uohk ycl mwwl``myl EB&LED uuylb fh Feyfalq 13, 17=7(
O elqyod ycmy m`` wmqyoeowmhyu oh ycl emul mql qlkouylqli EB&LED |ulqu
mhi ycmy ulqtoel {o`` al meefbw`oucli a ycl mwwl``myl EB&LED uuylb(
&u& Imhol` N( B|``okmh
Emul> =7"=493; =7&13&17=7 OI> ; ;"= Wmkl> 19 fd 19 #19 fd
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Emul> =7"=493; =7&13&17=7 OI> ; ;"1 Wmkl> = fd = #1< fd
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IFEJLY HF( =7"=493;
OH YCL \HOYLI UYMYLU EF\QY FD MWWLM@U
DFQ YCL HOHYC EOQE\OY
JMYCQ_H BEFBOL"KQM_,W`mohyodd"Mwwl``mhy,
tu(
AMHJ FD MBLQOEM CFBL @FMHU,
Ildlhimhy"Mwwl``ll(
VVVVVVVVVVVVVVVVVVVVVVVVVVVV
Fh Mwwlm` Dqfb Ycl \hoyli Uymylu Iouyqoey Ef|qyLmuylqh Iouyqoey fd Em`odfqhom
VVVVVVVVVVVVVVVVVVVVVVVVVVVV
QLUWFHUL AQOLD FD MWWL@@LL
EF\HYQ_[OIL CFBL @FMHU, OHE(U|li mu Amhj fd Mblqoem Cfbl @fmhuVVVVVVVVVVVVVVVVVVVVVVVVVVVV
Nmblu Kf`ialqkYcfbmu L( Hmhhl
Fqo Lil`uylohAQ_MHEMTL@@W
Y{f Lbamqemilqf Elhylq
Umh Dqmheouef EM ?9===#9= =7"=493; 73&= ;3
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EFQWFQMYL IOUE@FU\QL UYMYLBLHY
Mwwl``ll Ef|hyq{oil Cfbl @fmhu, Ohe(, lqqfhlf|u` u|li mu Amhj fd
Mblqoem Cfbl @fmhu, ou {cf`` f{hli a Ef|hyq{oil Dohmheom` Efqwfqmyofh(
Ef|hyq{oil Dohmheom` Efqwfqmyofh ou {cf`` f{hli a Amhj fd Mblqoem
Efqwfqmyofh, {coec ou m w|a`oe` yqmili efbwmh fh ycl Hl{ _fqj Uyfej
Lsecmhkl |hilq ycl ubaf` AME(
Imyli> M|k|uy = &u& Nmblu Kf`ialqkNmblu Kf`ialqk
Ef|hul` dfq Mwwl``llEF\HYQ_[OIL CFBL @FMHU, OHE(Lqqfhlf|u` u|li muAMHJFDMBLQOEMCFBL@FMHU
Emul> =7"=493; 73&= ;3
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o
YMA@L FD EFHYLHYU
Wmkl
N\QOUIOEYOFHM@ UYMYLBLHY ((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((=
OUU\LU WQLULHYLI DFQ QLTOL[ (((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((=
UYMYLBLHY FD YCL EMUL((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((=
UYMYLBLHY FD DMEYU MHI WQFELI\QM@ COUYFQ_(((((((((((((((((((((((((((((((((5
UYMHIMQI FD QLTOL[ (((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((;
U\BBMQ_ FD MQK\BLHY (((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((3
MQK\BLHY(((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((3
O( ULEYOFH =45
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oo
@oboymyofh dfq Imbmklu(((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((51
I( Bok|l` Iflu Hfy U|wwfqy ycl Mqk|blhy ycmy YO@M Wlqboyu mEfhu|blq yf Do`l m E`mob dfq Qlueouuofh Fhl _lmq mdylq mEqlioyfq Ilholu m Ql}|luy dfq Qlueouuofh(((((((((((((((((((((((((((((((((((((((((((5 =7"=493; 73&= ;3
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UD7=IFEUP97;1;(5 ooo
YMA@L FD M\YCFQOYOLU
Wmkl#u/
Emulu
M`emqm~ t( A`fej,
;94 D(1i
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ot
Oh ql Ecmafy,54? A(Q( = #I( Bfhymhm 177;/(((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((=;
Oh ql Kqfmy,54? A(Q( 9=5 #A(M(W( 3yc Eoq( 177;/((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((15
Oh ql Qmboql~,51? A(Q( ;1; #I( Jmh( 177 4 fd
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UD7=IFEUP97;1;(5 t
Qotlqm t( AME Cfbl @fmhu Ulqtoeohk, @(W(,;
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to
Q|`lu
Dli( Q( Mww( W( 9#m/#=/#M/ (((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((=
Dli( Q( Eot( W( =1#a/#4/((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((((( 9, =7"=493; 73&= ;3
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UD7=IFEUP97;1;(5 =
N\QOUIOEYOFHM@ UYMYLBLHY
Ycl Iouyqoey Ef|qy cmi n|qouioeyofh |hilq 13 \UE =55=(
Ycou Ef|qy cmu n|qouioeyofh |hilq 13 \UE =1?=(
Ycl Iouyqoey Ef|qy lhylqli dohm` n|ikblhy dfq Ildlhimhyu"Mwwl``llu fh
N|hl 15, 17=7( Mwwl``mhy do`li m Hfyoel fd Mwwlm` fh N|` 4, 17=7( Dli( Q( Mww(
W( 9#m/#=/#M/(
OUU\LU WQLULHYLI DFQ QLTOL[
M( Ioi ycl Iouyqoey Ef|qy lqq {clh oy ioubouuli Mwwl``mhyu e`mob
dfq qlueouuofh |hilq ycl Yq|yc oh @lhiohk Mey, =< \(U(E( =45< ly ul}(
#YO@M/, dohiohk ycmy Uleyofh =45 ? fd
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UD7=IFEUP97;1;(5 1
Em`odfqhom ulljohk qlueouuofh fd ycl bfqykmkl `fmh amuli |wfh m w|qwfqyli
tof`myofh fd YO@M( Mwwl``llu ohoyom` bfyofh yf ioubouu {mu kqmhyli {oyc `lmtl yf
mblhi( Mwwl``mhy do`li m Doquy Mblhili Efbw`mohy fh Bmqec 57, 17=7, mkmoh
ulljohk qlueouuofh fd ycl bfqykmkl `fmh i|l yf m w|qwfqyli tof`myofh fd YO@M(
Uwleodoem``, Mwwl``mhy m``lkli ycmy oh Mwqo` fd 1774, {clh lhylqohk ohyf ycl
bfqykmkl `fmh, Mwwl``llu muuokhfq dmo`li yf wqftoil Mwwl``mhy {oyc y{f efbw`lyli
efwolu fd m Hfyoel fd Qokcy yf Emhel` mhi yclqldfql tof`myli YO@M(
Fh Mwqo` =
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UD7=IFEUP97;1;(5 5
Uleyofh =45
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UD7=IFEUP97;1;(5 9
W`mohyoddu myyfqhl, imyli N|` =, 177?( #ULQ =?"17, QNH, Ls( M(/ Oy mkqlli yf yf``
ycl uymy|yl fd `oboymyofhu dfq 47 imu, dqfb N|` =, 177? yf M|k|uy 5=, 177?, mhi
wqftoili ycmy oy hloyclq eqlmyli hfq {motli mh qokcyu fq qlbliolu>
W`lmul meelwy ycou mu AME Cfbl @fmhu mkqllblhy yf yf`` ycl
uymy|yl fd `oboymyofhu {oyc qluwley yf f|q e`olhyu m``lkli Yq|yc"
oh"@lhiohk Mey ioue`fu|ql tof`myofh e`mobu dfq m wlqofi fd uosy
#47/ imu dqfb ycl imyl fd ycou `lyylq( ( ( ( Ycou mkqllblhy hloyclq
eqlmylu hfq {motlu qokcyu fq qlbliolu dfq fq mkmohuy mh wmqy(
#Oi(/
Fh M|k|uy 1;, 177?, Mwwl``mhy do`li m Efbw`mohy oh ycl Lmuylqh Iouyqoey fd
Em`odfqhom, Umeqmblhyf Iotouofh "" ftlq 5 lmqu, 9 bfhycu, mhi = {llj mdylq
uokhohk clq Hfyl mhi Illi fd Yq|uy( #Lselqwyu fd Qlefqi #LQ/ ==, Ijy( %1/(
Mwwl``mhyu uf`l e`mob uf|kcy qlueouuofh dfq m w|qwfqyli tof`myofh fd YO@M( #Oi(/
Fh Ulwylbalq =3, 177?, Mwwl``ll do`li m Bfyofh yf Ioubouu w|qu|mhy yf
Dlilqm` Q|`l fd Eoto` Wqfeli|ql =1#a/#4/, yfklyclq {oyc m Ql}|luy dfq N|ioeom`
Hfyoel fd ycl uokhli fmh ife|blhyu( #LQ ==, Ijy( % ==/ Mwwl``ll mqk|lu ycmy>
#=/ W`mohyodd dmo`li yf m``lkl ylhilq: mhi #1/ EC@ cmi oh oyu do`l m efw fd m Hfyoel fd
Qokcy yf Emhel` {coec W`mohyodd uokhli mhi mejhf{`likli qlelotohk my ycl
efhu|bbmyofh fd ycl `fmh oh Mwqo` 1774, ycmy cmu ycl wqfwlq imylu do``li oh( #Oi(/
Fh Bmqec ==, 17=7, ycl Ef|qy kqmhyli ycl Bfyofh yf Ioubouu {oyc `lmtl yf mblhi
Emul> =7"=493; 73&= ;3
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UD7=IFEUP97;1;(5
ZMRh eqlioyfq {cf dmo`u yf efbw` {oyc mh ql}|oqlblhy
obwfuli |hilq ycou wmqy, ohe`|iohk mh ql}|oqlblhy |hilq
uleyofh =45< fd ycou yoy`l, {oyc qluwley yf mh wlqufh ou `oma`l
yf u|ec wlqufh oh mh mbf|hy l}|m` yf ycl u|b fd>
(
#5/ oh ycl emul fd mh u|eeluud|` meyofh yf lhdfqel ycl
dfqlkfohk `omao`oy fq oh mh meyofh oh {coec m wlqufh ou
ilylqbohli yf cmtl m qokcy fd qlueouuofh |hilq uleyofh =45 =7"=493; 73&= ;3
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UD7=IFEUP97;1;(5 1 Ohilli,
oy mwwlmqu ycmy ycl a|qilh fd efbblheohk `oyokmyofhu ou fh ycl `lhilq&eqlioyfq, hfy
ycl afqqf{lq, eoyohk efbblhymyfqu ycmy um ycl `lhilq b|uy efbw` {oyc ycl
ilbmhi dfq qlueouuofh fq efbblhel m ile`mqmyfq ql`old meyofh {oycoh ycl 17"im
uymy|yfq yobl wlqofi( #Oi(/
Ycou mqk|blhy ou hfy u|wwfqyli a mh emul `m{ fq a ycl uymy|yl( Od
meelwyli, oy {f|`i cmtl ycl lddley fd hlli`luu` oheqlmuohk `oyokmyofh( @lhilqu
Emul> =7"=493; 73&= ;3
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UD7=IFEUP97;1;(5 1;
{f|`i al dfqeli yf do`l u|oy oh eoqe|buymhelu {clql m `m{u|oy {f|`i hfy al
{mqqmhyli( Dfq lsmbw`l, m afqqf{lq bokcy iqfw clq ilbmhi dfq qlueouuofh |wfh
qlelotohk ycl `lhilqu qluwfhul ilbfhuyqmyohk oyu efbw`omhel {oyc YO@Mu
ql}|oqlblhyu qlkmqiohk Hfyoelu fd Qokcy yf Emhel`, fq {clql ycl afqqf{lq ou
|h{o``ohk yf ylhilq bfhl fq ycl wqfwlqy mu ql}|oqli yf efhu|bbmyl qluyoy|yofh
mhi qlueouuofh( Eqlioyfqu fdylh qluwfhi {oycoh ycl 17"im uymy|yfq yobl wlqofi yf
ycl afqqf{lqu ql}|luy a ilhohk ycl ql}|luy fh ycl kqf|hiu ycmy ycl eqlioyfq cmu
oh oyu do`l efbw`lyli Hfyoelu fd Qokcy yf Emhel`, {coec ycl afqqf{lq uokhli mhi
mejhf{`likli qlelotohk, yc|u eqlmyohk m qla|yyma`l wqlu|bwyofh ycmy ycl `fmh
fqokohmyfq efbw`oli {oyc YO@M oh ycou qlkmqi( Ull =< \(U(E( =45 =7"=493; 73&= ;3
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UD7=IFEUP97;1;(5 13
u|oy( Ycmy {f|`i obwful m clmt a|qilh fh ycl `lhilq yf q|uc yf wqlwmql mhi do`l m
efbw`mohy( Oy {f|`i m`uf obwful m a|qilh fh m afqqf{lq yf qlymoh m `m{lq mhi
qluwfhi yf ycl efbw`mohy(
Od Mwwl``mhyu mqk|blhy ou yf al al`oltli, m afqqf{lq {f|`i cmtl m ultlql`
ucfqylhli qokcy yf qlueouuofh oh ufbl eoqe|buymhelu( Dfq lsmbw`l, od m afqqf{lq
ioi hfy qlelotl m`` bmylqom` ioue`fu|qlu mhi kmtl hfyoel fd qlueouuofh < imu mdylq
efhu|bbmyofh, ycl afqqf{lq {f|`i yclh cmtl yf aqohk u|oy {oycoh fhl lmq mhi
y{lhy"dotl imu fd efhu|bbmyofh( Ycou {f|`i ileqlmul ycl afqqf{lqu yobl yf
do`l m qlueouuofh meyofh a m`bfuy y{f lmqu(
Fh ycl fyclq cmhi, ycl Iouyqoey Ef|qy+u cf`iohk ycmy ycl meyofh b|uy al do`li
a ycl afqqf{lq {oycoh ycqll lmqu iflu hfy uokhodoemhy` obwmoq ycl afqqf{lq+u
qokcy, alem|ul oy m``f{u ycl afqqf{lq bfql ycmh mil}|myl yobl "" ycqll lmqu "" yf
lslqeoul clq qokcy yf qlueouuofh a do`ohk u|oy(
OO( MWWL@@MHYU MQK\BLHYU DMO@Oh miioyofh yf ycl mqk|blhyu qla|yyli maftl, Mwwl``mhy m`uf mqk|lu ycmy
ulhiohk hfyoel fd qlueouuofh m|yfbmyoem`` qlueohiu ycl bfqykmkl `fmh( Mwwl``mhy
efhylhiu ycmy Qlk|`myofh ^, obw`lblhyohk YO@M, wqftoilu ycmy m e`mob dfq
qlueouuofh bm al do`li `mylq ycmh ycqll lmqu mdylq efhu|bbmyofh fd ycl `fmh(
Meefqiohk yf Mwwl``mhy, ycl Ef|qy ucf|`i afqqf{ ycl uymy|yl fd `oboymyofhu dfq
imbmklu |hilq YO@M efhymohli oh Uleyofh =497#l/ mhi mww` oy yf e`mobu dfq
Emul> =7"=493; 73&= ;3
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UD7=IFEUP97;1;(5 1?
qlueouuofh |hilq YO@M( Ycou {f|`i m``f{ m afqqf{lq yf do`l u|oy mhyobl {oycoh m
lmq mdylq ilhom` fd clq hfyoel fd qlueouuofh, mu `fhk mu ucl ulhy ycl hfyoel fd
qlueouuofh yf clq `lhilq {oycoh ycqll lmqu dqfb ycl efhu|bbmyofh fd ycl `fmh( M``
fd yclul mqk|blhyu dmo`(
M( Ulhiohk Hfyoel fd Qlueouuofh Iflu Hfy M|yfbmyoem`` Qlueohi ycl@fmh
Mwwl``mhy mqk|lu ycmy ulhiohk m hfyoel fd qlueouuofh m|yfbmyoem`` qlueohiu m
bfqykmkl `fmh( Mu wqltof|u` hfyli, ycl Hohyc Eoqe|oy oh _mbmbfyf, 51? D( 5i my
==;=";5, qlnleyli ycou mqk|blhy( Oy cl`i ycmy |hyo` ycl eqlioyfq mejhf{`liklu ycmy
ycl qokcy fd qlueouuofh ou mtmo`ma`l fq ycl mwwqfwqomyl ileouofh bmjlq cmu uf
ilylqbohli, ycl afqqf{lqu cmtl fh` mitmheli m e`mob ulljohk qlueouuofh(Oi(
#eoymyofh fboyyli(/
Ycl Uymdd Efbblhymq yf Qlk|`myofh ^, ycl qlk|`myofhu obw`lblhyohk YO@M,
my wmqmkqmwc 15#i/#9/, m`uf efhyqmioeyu Mwwl``mhyu mqk|blhy> [clql ycl
efhu|blq+u qokcy yf qlueohi ou efhyluyli a ycl eqlioyfq, m ef|qy {f|`i hfqbm``
ilylqbohl {clyclq ycl efhu|blq cmu m qokcy yf qlueohi ( ( ( ( Yc|u, ycl mklhe
qlk|`myohk YO@M efbw`omhel qlefkho~lu ycmy ycl efhu|blqu ql}|luy dfq qlueouuofh
iflu hfy m|yfbmyoem`` tfoi ycl `fmh mhi ycl ule|qoy ohylqluy(
Ulhiohk m hfyoel fd qlueouuofh fd ycl `fmh {oycoh ycl ycqll"lmq wlqofi ou
obbmylqom` mu m bmyylq fd `m{, alem|ul hfyoel m`fhl ou hfy u|ddoeolhy yf qlueohi ycl
Emul> =7"=493; 73&= ;3
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UD7=IFEUP97;1;(5 57
`fmh( Blql ohtfemyofh Zfd ycl qokcy yf qlueohiR {oycf|y bfql ( ( ( {o`` hfy wqlulqtl
ycl qokcy alfhi ycl ycqll"lmq wlqofi( Qmyclq, efhuouylhy {oyc Uleyofh =45
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UD7=IFEUP97;1;(5 5=
57? D(5i my ==49/:Qotlqm t( AME Cfbl @fmhu Ulqtoeohk, @(W(, ; 5? fd
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UD7=IFEUP97;1;(5 51
Ycl ef|qy ohOh ql Qmboql~, lsw`mohli>
Hfq iflu ycl `mhk|mkl fd Qlk|`myofh ^, ycl uymy|yfq
bmhimyl dfq ef|qyu yf mey {oyc qluwley yf ycl YO@M, u|wwfqy ycl
Qmboql~lu mqk|blhy ycmy ycl ule|qoy ohylqluy ou tfoi |wfh
hfyoel fq ycl lslqeoul fd ycl qokcy yf qlueohi( Qlk|`myofh ^
boqqfqu =45
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UD7=IFEUP97;1;(5 55
ycl do`ohk fd meyofhu dfq qlueouuofh mdylq ycl ycqll lmq uymy|yl fd qlwful oh =457?"ET"77?=1"
M[O"UB, 177? [@ 1 ycl afqqf{lq cmu fhl lmq
dqfb ycl qld|um` yf do`l u|oy dfq imbmklu w|qu|mhy yf =< \(U(E( =497#l/(
Uobo`mq`, ohBmi|qm t( Ef|hyq{oil Cfbl @fmhu, Ohe(, 1773 [@ 13 =7"=493; 73&= ;3
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UD7=IFEUP97;1;(5 59
e`mobu |hilq Uleyofh =45
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UD7=IFEUP97;1;(5 5 M|k|uy = &u& Nmblu Kf`ialqkNmblu Kf`ialqk
Ef|hul` dfq Mwwl``llEF\HYQ_[OIL CFBL @FMHU, OHE(Lqqfhlf|u` u|li muAMHJFDMBLQOEMCFBL@FMHU
Emul> =7"=493; 73&= ;3
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UD7=IFEUP97;1;(5 =
ELQYODOEMYL FD EFBW@OMHEL
W|qu|mhy yf Q|`l 51#m/#;/#E/ fd ycl Dlilqm` Q|`lu fd Mwwl``myl Wqfeli|ql
mhi Q|`l 51"= fd ycl Hohyc Eoqe|oy Q|`lu, O elqyod ycmy ycl Qluwfhul Aqold fd
Mwwl``ll Ef|hy{oil Cfbl @fmhu, Ohe(, ou if|a`l"uwmeli, cmu m ywldmel fd =9
wfohyu, mhi |ulu wqfwfqyofhmyl`"uwmeli Yoblu Hl{ Qfbmh dfhy( Ycl aqold
efhymohu 3,=;; {fqiu oh efbw`omhel {oyc Q|`l 51#m/#;/#A/#o/ fd ycl Dlilqm` Q|`lu
fd Mwwl``myl Wqfeli|ql mhi Q|`l 51 fd ycl Hohyc Eoqe|oy Q|`lu(
Imyli> M|k|uy = &u& Nmblu Kf`ialqkNmblu Kf`ialqk
Ef|hul` dfq Mwwl``ll
EF\HYQ_[OIL CFBL @FMHU, OHE(Lqqfhlf|u` u|li muAMHJFDMBLQOEMCFBL@FMHU
Emul> =7"=493; 73&= ;3
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Emul> =7"=493; 73&= ;3
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UD7=IFEUP97;1;(5 =
UYMYLBLHY FD QL@MYLI EMULU
Z?yc Eoq( Q|`l 13"1(4R
W|qu|mhy yf Q|`l 13"1(4 fd ycl Hohyc Eoqe|oy Q|`lu, Mwwl``ll ou hfy m{mql fd
mh ql`myli emulu(
Imyli> M|k|uy = &u& Nmblu Kf`ialqkNmblu Kf`ialqk
Ef|hul` dfq Mwwl``ll
EF\HYQ_[OIL CFBL @FMHU, OHE(Lqqfhlf|u` u|li muAMHJFDMBLQOEMCFBL@FMHU
Emul> =7"=493; 73&= ;3
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Emul> =7"=493; 73&= ;3
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UD7=IFEUP97;1;(5 =
Emul> =7"=493; 73&= ;3
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Emul> =7"=493; 73&= ;3
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Emul> =7"=493; 73&= ;3
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Emul> =7"=493; 73&= ;3