Governance Risk and Business Ethics

7/30/2019 Governance Risk and Business Ethics

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LXF 4


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Mjs{acvlsmaj ab Svsa{\f{rfc Rm|msmjn Bdlvgs}

Tvdmcf Dzd` Vjmrf{|ms}

M|gd`ml Mjsf{jdsmajdg Vjmrf{|ms} [mxede Mjsf{jdsmajdg Vjmrf{|ms}

MKD % BV@ML\-

Bavjcdsmaj Vjmrf{|ms}

Kde{md Vjmrf{|ms}

Dm{ Vjmrf{|ms}

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ML@D

\_DKM\S

BD\S @DOV

Bds`d Omjjde Vjmrf{|ms}

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Xf{`djfjs Bdlvgs} Djc fud`mjf{ Bfcf{dg V{cv Vjmrf{|ms} M|k

Tvdmcf Dzd` Vmrf{|ms}

M|gd`ml Mjsf{jdsmajdg Vjmrf{|ms}Dggd`d Mtkdg Vjmrf{|ms}

BX\L

LXF 3


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X{abf||majdg Sfdlemjn V|`dj Dllavjsdjl} laggfnf

\IDJ\

ML@D MLDB

LXF 6


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S{dmjf{ SFRDS

MLDX

I\F Bmj`dj

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Xdxf{ Xdssf{j\flsmaj D

T?4 La`xvg|a{} tvf|smaj ld|f |svc} %68-

\flsmaj K

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D{fd| La{xa{dsf Narf{jdjlf

[m|i @djdnf`fjs

Fseml|

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9/439

Kaai| BSL |svc} sfus

BSL ims % Axsmajdg-

Xd|s 32 xdxf{| d{f |vbbmlmfjs

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Ledxsf{ 4;

FsemldgSefa{mf|

LXF 48


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Fseml| M| lajlf{jfc ~mse {mnes djc ~{ajn

Dkavs ea~ ~f |eavgc gmrf av{ gmrf| djc'

ea~ ~f |eavgc kfedrf sa~d{c| asef{ xfaxgf [fgfrdjs sa dgg ba{`| ab ev`dj dlsmrms}'

Balv| sef kv|mjf|| ~a{gc*

LXF 44


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Rmf~| sa~d{c| Fseml| [fgdsmrm|`

Dk|agvsm|`

Can`dsml dxx{adle X{dn`dsml Dxx{adle

Cfajsaganmldg Dxx{adle

Sfgfaganmldg Dxx{adle

LXF 4;


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[fgdsmrm|`~eds m| .la{{fls. mj d nmrfj |msvdsmaj ~mgg cfxfjc aj sef

lajcmsmaj| ds sef sm`f

|vnnf|s| seds dgg à{dg |sdsf`fjs| d{f f||fjsmdgg}|vkoflsmrf djc d{m|f b{a` sef lvgsv{f' kfgmfb 'fàsmaj

Sef rmf~ seds {mnes djc ~{ajn d{f lvgsv{dgg}cfsf{`mjfc m| ldggfc fsemldg {fgdsmrm|` a{ à{dg

{fgdsmrm|`* Fseml| ledjnf| ~mse {f|xfls sa sm`f ' \almfs}

LXF 4


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X{dn`dsml Dxx{adle Nvmcf| `a{dg |msvdsmaj ~mseavs {fbf{fjlf sa dj}

dk|agvsf kfgmfb

\m`mgd{ sa {fgdsmrm|`

LXF 45


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Cfajsaganmldg Dxx{adle Jaj laj|ftvfjsmdgms} sefa{}

@asmrdsmaj m| m`xa{sdjs*

Cvsmf| ! {vgf kd|fc dxx{adle Sfj la``djc`fjs| mj Sd~ {de

Se{ff `dum`|! sf|s| ba{ fsemldg d||f||`fjs ab dj}dlsmaj

LXF 4=


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M``djvfg Idjs @dum`|Dj} dlsmaj m| {mnes mb ms xd||f| se{ff sf|s|!`dum`|

4 Laj|m|sfjl} x{mjlmxgfDlsmjn sa sef `dum` '}av ~mgg cf|m{f sa kfla`f vjmrf{|dggd~

@v{cf{ m| jas dgga~fc asef{~m|f ja ev`dj ~mgg |v{rmrf

;S{fds Ev`dj ~mse cmnjms}Lemgc{fj d{f jas `fdj| sa x{acvlf naac|

\dbf vx k{mjnmjn m| sefm{ {mnes

LXF ;8


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Sfgfaganmldg Dxx{adle Sem| m| d laj|ftvfjsmdgms} sefa{} ~efsef{ d cflm|maj

m| {mnes a{ ~{ajn

cfxfjc| aj sef laj|ftvfjlf| a{ avsla`f| ab sedscflm|maj*

Sef avsla`f ab dj dlsmaj m| m`xa{sdjs*

D| gajn d| sef avsla`f m| {mnes' sefj sef dlsmaj ms|fgb

m| m{{fgfrdjs* S~a xf{|xflsmrf| ab Dxx{adle

LXF ;;


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Fnam|` % Dxx{adle sa Sfgfaganmldg- .~eds m| kf|s ba{ `f sa xv{|vf `} mjsf{f|s|

n{fdsf|s naac ab sef ajf|fgb dgajf

mb fdle xv{|vf| ef{! em| a~j mjsf{f|s' sefj sef mjsf{f|sab frf{}ajf m| x{a`asfc+ %Kdmf{' 4==4' x* ;88-*

X{acvlf{ ~mgg x{acvlf naac tvdgms} x{acvls| sa difx{abms % Xv{|vmjn a~j mjsf{f|s ~mgg x{a`asf frf{} ajf

mjsf{f|s mj |almfs}-

LXF ;


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Gfrfg < Xa|s lajrfjsmajdg\almdg Lajs{dls djc mjcmrmcvdg {mnes|

Mjcmrmcvdg| dllavjs ba{ cmbbf{mjn rdgvf|' kfgmfb| djc

axmjmaj| ab asef{ xfaxgf[vgf ab gd~ m| m`xa{sdjs sa bvjlsmaj kvs

Mjcmrmcvdg| |eavgc kf dn{ff sa sef|f {vgf|

^eds dif| ba{ d naac |almfs}1+

LXF ;5


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Sef} |vnnf|sfc %d- x{asfls lf{sdmj mjcmrmcvdg {mnes| djc

%k- |fssgf cm|xvsf| se{avne cf`al{dsml x{alf||f|*

laj|mcf{mjn sef {mnes| djc rdgvf| seds d |almfs} avnes savxeagc*

Kd|ml ev`dj {mnes| ba{ frf{} ajf

Ledjnf se{avne cf`al{dsml x{alf|| mb {vgf| d{f jas

dllfxsdkgf

LXF ;=


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Emnegmnes| b{a` {f|fd{leêfj d `dj d|ifc mb sef ovcnf |eavgc xvjm|eEfmjz' ef {fxgmfc?

V|vdgg} sef à{dg djc gfndg |sdjcxamjs| lamjlmcf*

Ef{f sef} lajbgmls* Sef ovcnf |eavgc ~fmnes sefà{dg |sdjcxamjs à{f efdrmg} kvs x{f|f{rf sefgfndg gd~ mj xvjm|emjn Efmjz gmnesg}* %Iaegkf{n'4=>2' x*


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Gfrfg < |sdnf 2Vjmrf{|dg Fsemldg X{mjlmxgf|

|fgb lea|fj x{mjlmxgf| kd|fc aj vjmrf{|dg ov|smlfFrfj mb sef|f lajs{dcmls ~mse {vgf|

Lmrmg akfcmfjlf mb jas dllfxsfc

LXF


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Fud`xgf|%4- D `djdnf{ mjlgvcf| dj eav{| arf{sm`f aj em|!ef{sm`f|effs kfldv|f dgg asef{ `djdnf{| ca |a*

%;- D bm|emjn la`xdj}| L\[ {fxa{s fuxgdmj| ea~ sef

~fgbd{f ab bm|e m| `dmjsdmjfc mj ms| bm|e bd{`|' dgseavnesef{f m| ja |sdsvsa{} a{ asef{ akgmndsmaj sa x{armcf sefmjba{`dsmaj a{ ld{f ba{ sef bm|e*

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%3- D cm{flsa{ caf| jas mjlgvcf |a`f m`xa{sdjsgmdkmgmsmf| mj sef bmjdjlmdg |sdsf`fjs| kfldv|f mjlgv|maj~avgc cd`dnf sef {fxvsdsmaj ab sef la`xdj}*

LXF


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\frfj xa|msmaj aj L\[4X{m|smjf Ldxmsdgm|s

Ds sem| xa|msmaj mjsf{f|s m| dkavs x{abms kvs ja lajlf{j ~mse L\[*

|ed{feagcf{| dg~d}| lajlf{j dkavs sefm{ ~fdgse jas ba{ dj}semjn fg|f*

; Fuxfcmfjs

DS sem| xa|msmaj mb sef kv|mjf|| m| dlemfrmjn ms| akoflsmrf%x{abms- sefjkv|mjf|| jffc| `mjm`dg fsemldg nvmcdjlf*

mb sef kv|mjf|| ed| dlemfrfc ms| mjsf{f|s sefj ~mgg semji dkavs |a`f|almdg {f|xaj|mkmgmsmf| ba{ sef |almfs} ba{ ~emle sef kv|mjf|| m|*

LXF


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3*\almdg Flaganm|s|

Gd{nf la`xdjmf| cd`dnf fjrm{aj`fjs |a sef} |eavgc cfl{fd|f sefldv|f ab cd`dnf*

f*n Mb d la`xdj} cd`dnf| fjrm{aj`fjs %lvssmjn s{ff|- sefj sefla`xdj} |eavgc {fcvlf sef ldv|f a{ ledjnf sef {f|av{lf*

6*\almdgm|s|@ajf} |eavgc jas kf ca`mjdjs aj |almfs} f*n l{fdsmaj ab x{acvls|eavgc kf |flajcd{} sa mjcmrmcvdg ~fgg kfmjn*

Mb d la`xdj} x{acvlf| d x{acvls' x{m`d{mg}' sef la`xdj} |eavgc semjidkavs |almfs}*

LXF


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2*[dcmdldg Bf`mjm|s|

La`xdjmf| |eavgc edrf bf`mjmjf dssmsvcf |vle d| garf djcla`xd||maj*@d|lvgmjf led{dlsf{m|sml| |eavgc kf dramcfc

>*Cffx Flaganm|s|

D kv|mjf|| ed| ja {mnes| sa {f|av{lf| a{f sedj dj} asef{l{fdsv{f|D la`xdj}.| dlsmrdsf| |eavgc kf |v|sdmjdkgf*Ms `fdj| la`xdj} |eavgc semji dkavs bvsv{f nfjf{dsmaj d| ~fgg*

LXF


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Rd{mdkgf| cfsf{`mjmjn lvgsv{dg

lajsfusFseml| " L\[

Flaja`mlbalv| aj X{abmsdkmgms}

GfndgBalv| aj la`xgmdjlf ~mse Gd~

Fsemldg

Balv| aj camjn ~eds m| {mnes

Xemgdjse{axmlbalv| aj ~eds m| cf|m{fc

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V\D @a{f balv|fc aj x{abmsdkmgms}

Gf|| balv| aj gfndg d|xfls|

n{fdsf{ xvkgml s{v|s seds a{ndjmzdsmaj| dls fsemldgg} Emneg} balv|fc aj xemgdjse{axml dlsmrmsmf|

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Fv{axfdj lavjs{mf| Gf|| balv|fc aj x{abmsdkmgms}

@a{f balv|fc aj gfndg d|xfls|

N{fdsf{ balv| aj fseml| Gf|| balv|fc aj xemgdjse{axml dlsmrmsmf|

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La{xa{dsf djc Xf{|ajdg fsemldg

\sdjlf \ea{s sf{` |ed{f eagcf{ mjsf{f|s|

La{xa{dsf |sdjlf

Gf|| balv|fc aj fseml|Dcftvdsf |ea{s sf{` {fsv{j

Xf{|ajdg |sdjlf

\`dgg mjrf|sa{| ~mgg {ftvm{f |ea{s sf{` {fsv{j

Gd{nf mjrf|sa{| edrf gmssgf a{ ja |ea{s sf{` mjsf{f|s|

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Gajn sf{` |ed{f eagcf{ mjsf{f|s

La{xa{dsf |sdjlf

Balv|fc aj fum|sfjlf ab sef la`xdj}Xf{|ajdg |sdjlf

[ftvm{f ldxmsdg n{a~se djc

\flv{ms} ab mjrf|s`fjs

LXF 3;


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@vgsmxgf |sdifeagcf{ akgmndsmaj|La{xa{dsf |sdjlf

\dsm|b}mjn `a|s xa~f{ bvgg djc mjbgvfjsmdg |sdif eagcf{|

Xf{|ajdg |sdjlfFdle |sdifeagcf{| n{avx fuxfls| sefm{ mjsf{f|s| sa kf

vjcf{|saac djc dlsfc aj

[fcvlsmaj mj cmrmcfjc| ldj kf ov|smbmfc cvf sa

mjrf|s`fjs mj ~a{if{| |dbfs}

LXF 3


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Ledxsf{ ,4


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Ledxsf{ ,4

Sefa{} abNarf{jdjlf

LXF 48=

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x

Ba{` ab kv|mjf|| M||vf |ed{f|

\ed{feagcf{| cfgfndsf cd} sa cd} `dssf{| sa @ns

\ed{feagcf{| xgd} xd||mrf {agf| @vgsmxgf |sdifeagcf{|

Xasfjsmdg lajbgmls cvf sa |fxd{dsmaj ab a~jf{|emx "`djdnf`fjs

LXF 448

Narf{jdjlf


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Gdsmj a{mnmj `fdjmjn Cm{flsmjn' lajs{aggmjn djc`djdnf`fjs ab mjcmrmcvdg| djc n{avx|

Jasmaj \sff{mjn

La{xa{dsf narf{jdjlf

D |}|sf` sa cm{fls' `djdnf djc lajs{ag d n{avx abmjcmrmcvdg| a{ a{ndjmzdsmaj|

%Ldckv{} {fxa{s-

LXF 444

Xv{xa|f ! Akoflsmrf ab

L


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La{xa{dsf narf{jdjlf

Sa `ajmsa{ sea|f xd{smf| ~ea edrf lajs{ag aj{f|av{lf| a~jfc k} |ed{feagcf{|

Sa m`x{arf la{xa{dsf xf{ba{`djlf djc dllavjsdkmgms}mj l{fdsmjn gajn sf{` |ed{feagcf{ rdgvf

LXF 44;

Vjcf{g}mjn Lajlfxs| abLa{xa{dsf Narf{jdjlf


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La{xa{dsf Narf{jdjlf

4Bdm{jf||Cm{flsa{| `v|s {f|xfls rmf~| djc {mnes| ab |sdif eagcf{|* %`mja{ms}

|ed{feagcf{-

;Axfjjf||!s{dj|xd{fjl}Axfj djc lgfd{ cm|lga|v{f ab {fgfrdjs mjba{`dsmaj sa |sdifeagcf{|


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3X{akms}!eajf|s} Sfggmjn sef s{vse Jas `m|gfdcmjn Eajf|s} mj bmjdjlmdg!xa|msmajdg {fxa{smjn*

6[f|xaj|mkmgms}^mggmjnjf|| sa dllfxs gmdkmgms} ba{ sef avsla`f ab narf{jdjlf

cflm|maj|*

2Dllavjsdkmgms}Kad{c ~avgc kf dj|~f{dkgf mj b{ajs ab |sdifeagcf{|

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>Ovcn`fjs

KAC ldxdkgf ab `dimjn ovcn`fjs

Ija~gfcnf ab kv|mjf|| fjrm{aj`fjs

5Mjsfn{ms}

\s{dmnesba{~d{cjf|| cfdgmjn

X{fxd{mjn dllavjs|

LXF 446



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x

4Cvsmf| ab cm{flsa{| djc bvjlsmaj| ab sef kad{c

[fnvgd{g} `ffsmjn

Ba{`dg x{alfcv{f| ba{ dxxamjs`fjs| sa sef kad{c

\vk`m||maj ba{ {ffgflsmaj

If} djc |s{dsfnml cflm|maj|

LXF 442


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;Sef la`xa|msmaj ab Kad{c djc kad{c la``mssff

La`kmjdsmaj ab JFC\ djc FC\

Ds gfd|s edgb JFC| fu* Ledm{`fj

LFA djc ledm{`dj |fxd{dsmaj

JFC| mj dvcms' {f`vjf{dsmaj djc ja`mjdsmajla``mssff|

LXF 44>


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M`xgf`fjsdsmaj ab mjsf{jdg lajs{ag|

Fuxgdjdsmaj ab sefm{ {f|xaj|mkmgms} mj x{fxd{mjndllavjs|

Dvcmsa{ |sdsf`fjs dkavs sefm{ dvcms {f|xaj|mkmgms}

LXF 44=


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6[mnes| djc [f|xaj|mkmgmsmf| ab |ed{feagcf{|

La`xdj} |eavgc x{armcf Dgg |ed{f eagcf{| ~mse jasmlf ab `ffsmjn|

Laxmf| ab djjvdg {fxa{s| Edrf cmdganvf ~mse mj|smsvsmajdg mjrf|sa{| @dif laj|s{vlsmrf v|f ab djjvdg nfjf{dg `ffsmjn

Mj|smsvsmajdg |ed{feagcf{| |eavgc @dif laj|mcf{fc v|f ab sefm{ rasf| Edrf {fnvgd{ cmdganvf ~mse sef la`xdj} Nmrf ~fmnes sa {fgfrdjs bdlsa{| c{d~j sa sefm{ dssfjsmaj

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2[f|xaj|mkmgms} ab kad{c ba{ [m|i `djdnf`fjs |}|sf`|djc mjsf{jdg lajs{ag|

@dmjsdmj |avjc |}|sf` ab mjsf{jdg lajs{ag sa |dbfnvd{cd||fs|

[@ m| laggflsmrf {f|xaj|mkmgms} ab kad{c Kad{c {frmf~ mjsf{jdg lajs{ag |}|sf` ajlf mj }fd{ [fnvgd{ {m|i mcfjsmbmldsmaj bdlfc k} kv|mjf||

LXF 4;4

Mjsf{jdg la{xa{dsf narf{jdjlf


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x n

|sdifeagcf{|Cm{flsa{|

[f|xaj|mkgf ba{ sef dlsmaj| ab sef la{xa{dsmaj*

Lajs{ag la`xdj} mj kf|s mjsf{f|s ab

|sdifeagcf{|*

Xd} xf{ba{`djlf gmjifc kajv|f|' |ed{f axsmaj|'|sdsv|' {fxvsdsmaj' xa~f{

LXF 4;;


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La`xdj} |fl{fsd{}

Fj|v{f la`xgmdjlf ~mse la`xdj} gfnm|gdsmaj djc{fnvgdsmaj| djc iffx kad{c `f`kf{| mjba{`fc ab

sefm{ gfndg {f|xaj|mkmgmsmf|*Dcrm|f kad{c aj la{xa{dsf narf{jdjlf `dssf{|*

Xd} xf{ba{`djlf gmjifc kajv|f|' |ed{f axsmaj|'|sdsv|' {fxvsdsmaj' xa~f{

LXF 4;<


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\vkkad{c `djdnf`fjs

[vj kv|mjf|| axf{dsmaj|" M`xgf`fjs kad{c xagmlmf|*

Mcfjsmb} djc frdgvdsf {m|i| bdlfc k} la`xdj}

Fjba{lf lajs{ag| " lajlf{j|

F`xga}ff| Ld{{} avs a{cf{| a

LXF 4;3


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F`xga}ff|

Ld{{} avs a{cf{| ab `djdnf`fjs*

La`xg} ~mse mjsf{jdg lajs{ag|

[fxa{s k{fdlef|*

S{dcf vjmaj|

X{asfls f`xga}ff mj

Emnegmnes djc sdif dlsmaj dndmj|s k{fdlef| mj narf{jdjlf {ftvm{f`fjs|*

LXF 4;6

Fusf{jdg la{xa{dsf narf{jdjlf


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x n

|sdifeagcf{|Dvcmsa{|

[agf

Mjcfxfjcfjs {frmf~ ab la`xdj}.| {fxa{sfc bmjdjlmdg

xa|msmaj*Mjsf{f|s|

Bff|' {fxvsdsmaj' tvdgms} ab {fgdsmaj|emx

la`xgmdjlf ~mse dvcms {ftvm{f`fjs|*

LXF 4;2


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Dvcmsa{|

[agf

Mjcfxfjcfjs {frmf~ ab la`xdj}.| {fxa{sfc bmjdjlmdg

xa|msmaj*Mjsf{f|s|

Bff|' {fxvsdsmaj' tvdgms} ab {fgdsmaj|emx

la`xgmdjlf ~mse dvcms {ftvm{f`fjs|*

LXF 4;>


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[fnvgdsa{|

[agf

M`xgf`fjsmjn djc `ajmsa{mjn {fnvgdsmaj|

Mjsf{f|s|

la`xgmdjlf ~mse {fnvgdsmaj| Fbbflsmrfjf|| ab {fnvgdsmaj|

LXF 4;5


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Narf{j`fjs

[agf

M`xgf`fjsmjn djc `dmjsdmjmjn gd~| ~mse ~emle dgg

la`xdjmf| `v|s la`xg}Mjsf{f|s|

la`xgmdjlf ~mse gd~|

Xd}`fjs ab sduf| Gfrfg ab f`xga}`fjs

LXF 4;=


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\sali Fuledjnf

M`xgf`fjsmjn djc dmjsdmjmjn {vgf| djc {fnvgdsmaj|ba{ la`xdjmf| gm|sfc aj sef fuledjnf*

la`xgmdjlf ~mse {vgf| djc {fnvgdsmaj| bff|*

LXF 4


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Mj|smsvsmajdg mjrf|sa{|

Se{avne laj|mcf{fc v|f ab sefm{ rasf| ldj %djc|eavgc- kfjfbmlmdgg} mjbgvfjlf la{xa{dsf

rdgvf ab |ed{f| ' cmrmcfjc xd}`fjs|' |flv{ms} ab bvjc|mjrf|sfc

sm`fgmjf|| ab mjba{`dsmaj {flfmrfc b{a` la`xdj}

|ed{feagcf{ {mnes| d{f ak|f{rfc

LXF 4


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Dnfjl} Sefa{}D n{avx ab lajlfxs| cf|l{mkmjn sef jdsv{f ab dnfjl} {fgdsmaj|emx d{m|mjn

cvf sa |fxd{dsmaj ab `djdnf`fjs " a~jf{|emx*

If} Sf{`|

Dj dnfjs m| f`xga}fc k} d x{mjlmxdg sa ld{{} avs d sd|i aj sefm{ kfedgb*Dnfjl}{fbf{| sa sef {fgdsmaj|emx kfs~ffj d x{mjlmxdg djc sefm{ dnfjs*Dnfjl} la|s| d{f mjlv{{fc k} x{mjlmxdg| mj `ajmsa{mjn dnfjl} kfedrma{

kfldv|f ab d gdli ab s{v|s mj sef naac bdmse ab dnfjs|*

LXF 4


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Dnfjs|% cm{flsa{|- edrf bmcvlmd{} {f|xaj|mkmgms} sa sef%x{mjlmxdg|- |ed{feagcf{|*

Bmcvlmd{} cvs}

`fdj dnfjs| |eavgc axf{dsf mj sef kf|s mjsf{f|s| ab|ed{feagcf{|*

Cvsmf| m`xa|fc cvf sa xa|msmaj ab s{v|s djc lajbmcfjlf

@a{f ajf{av| sedj lajs{dlsvdg

LXF 4


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La{xa{dsf Narf{jdjlf "Dnfjl} sefa{}

Gm`msfc Gmdkmgms}? Gf|| mjsf{f|s k} |ed{feagcf{|

\sali `d{ifs? emneg} gmtvmc a~jf{|emx

Cfgfndsmaj ab {vjjmjn sef la`xdj}

\fxd{dsmaj ab nadg|

Xa||mkgf |ea{s sf{` xf{|xflsmrf k} `djdnf{|

LXF 4


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[f|mcvdg ga||

fuxfj|mrf ld{|' xgdj|Dnfjl} la|sSem| m| `a{f |mnjmbmldjs |mjlf ms m| sef la|s ab `ajmsa{mjn sef

dnfjs* Mjlfjsmrf |lef`f|

`djdnf`fjs x{armcmjn djjvdg {fxa{s cdsd |vle d|la``mssff dlsmrms} djc {m|i `djdnf`fjs djdg}|m| la|s ab `ffsmjn| ~mse bmjdjlmdg djdg}|s| djc x{mjlmxdg

|ed{feagcf{| sef la|s ab dllfxsmjn emnef{ {m|i| sedj |ed{feagcf{| ~avgc

gmif mj sef

LXF 4


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@ffsmjn| kfs~ffj sef x{mjlmxdg djc if} mj|smsvsmajdgmjrf|sa{|*

Rasmjn {mnes| ds sef DN@ mj |vxxa{s ab' a{ dndmj|s'

{f|agvsmaj|* X{axa|mjn {f|agvsmaj| ba{ rasf k} |ed{feagcf{| ds

DN@| *

Dllfxsmjn sdifarf{|*

Cmrf|s`fjs ab |ed{f| m| sef vgsm`dsf se{fds*

LXF 4


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La{xa{dsf Narf{jdjlf\ed{feagcf{| djc cm{flsa{|

Sef lajbgmls ab mjsf{f|s| kfs~ffj x{mjlmxdg %|ed{feagcf{-djc dnfjs% cm{flsa{-

Sef x{mjlmxdg| jffc sa bmjc ~d}| ab fj|v{mjn seds sefm{dnfjs| dls mj sefm{ %sef x{mjlmxdg|- mjsf{f|s|*

Bds lds Cm{flsa{| mj Emne x{abmgf laggdx|f djc dkv|f abxa~f{|

gfnm|gdsmaj mj sef VI djc sef V\' ~emle |ffi sa {fcvlf

dnfjl} x{akgf`

LXF 4


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\ed{feagcf{| djc dvcmsa{| Sef dvcms m| |ffj d| d if} la`xajfjs ab la{xa{dsf

narf{jdjlf

Dvcmsa{| dls d| dnfjs| sa x{mjlmxdg| %|ed{feagcf{|-

~efj xf{ba{`mjn dj dvcmsDnfjl} x{akgf` dvcmsa{| ~mgg edrf sefm{ a~j mjsf{f|s|

djc `asmrf|

Lga|f {fgdsmaj|emx ab dvcmsa{| ~mse Kad{c {dm|f| d

tvf|smaj ab mjcfxfjcfjlf1

LXF 4


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Gfnm|gdsmaj| Sef La`kmjfc Lacf ba{ La{xa{dsf Narf{jdjlf

dcaxsfc k} sefBmjdjlmdg \f{rmlf| Dvsea{ms} %B\D- mjsef VI*

AFLC lacf aj fseml|* DLLD lacf|*

\xflmbml {fnvgdsmaj {fnd{cmjn cm{flsa{ {f`vjf{dsmajdjc lms} lacf aj sdifarf{|*

LXF 4


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ms ~d| xv{f flaja`ml sefa{}% 4=-Ms cfdgs ~mse fusf{jdg xd{s} xd{smlvgd{g} xv{led|f djc |dgf| ab

la`xajfjs| % rf{smldg mjsfn{dsmaj-Avs|mcf rmf~

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141/439

[dsmajdg cflm|maj `dimjn? `dimjn fbbflsmrf djc fbbmlmfjsv|f ab {f|av{lf|

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Fud`xgf| ?

|fggmjn |sali|'

kv}mjn caggd{|

Oak|

LXF 434


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Axxa{svjm|`? dlsmaj| sdifj mj dj mjcmrmcvdg.| kf|smjsf{f|s|*

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djc kavjcfc {dsmajdgms}

LXF 43;

Se{ff bdlsa{| cfsf{`mjmjn


143/439

cflm|maj|D||fs |xflmbmlms}? D`avjs sef `djdnf{ ~mgg

xf{|ajdgg} ndmj*

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[f|vgs

|fjma{ `djdnf{| jffc `ajmsa{mjn djc lajs{ag

LXF 43<


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\sdifeagcf{ sefa{} La`xdjmf| |eavgc cm|led{nf dllavjsdkmgms} sa `dj} `a{f

|flsa{| ab |almfs} sedj |agfg} sefm{ |ed{feagcf{|\sdifeagcf{| |ed{feagcf{| djc f`xga}ff|

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LXF 433

Dxx{adlef| sa la{xa{dsf


145/439

narf{jdjlfD {vgf| kd|fc dxx{adle

D x{mjlmxgf| kd|fc dxx{adle {ftvm{f| sef la`xdj} sadcef{f sa sef |xm{ms {dsef{ sedj sef gfssf{ ab sef lacf*

LXF 436


146/439

Ledxsf{ ;

Cfrfgax`fjs ab


LXF 432

Cfrfgax`fjs ab La{xa{dsf


147/439

Narf{jdjlfDnfjl} sefa{}

\sdifeagcf{| sefa{}

La`xdj} gd~|

Nars * gfnm|gdsmaj|

LXF 43>


148/439

Cfrfgax`fjs ab narf{jdjlf Lacf|Ja jffc sa kf lajrf{|djs ~mse dj} |xflmbml Lacf

\AUV\

[fxa{s|

Ldckv{} %4==;-ledm{`dj! LFA {agf |fxd{dsmaj

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Ed`xfg l{msmlm|`| aj x{frmav| {fxa{s|

LXF 435


149/439

Sv{jkvgg %4===- Mjsf{jdg lajs{ag

\`mse%;88


150/439

M`xfsv|

Kgdli @ajcd} 4= Alsakf{ 4=5>

\vk|ftvfjs ca~j sv{j mj Kv|mjf||

Sef Laggdx|f ab KLLM %Kdji ab la``f{lf djc l{fcms -4==4

VI| a~j la{xa{dsf |ldjcdg|%@m{{a{ N{avx-

LXF 468

VI L km c L c


151/439

VI La`kmjfc Lacf \flsmaj 4

Cm{flsa{|

Cm{flsa{| {f`vjf{dsmaj

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[fgdsmaj| ~mse |ed{f eagcf{|

\flsmaj ;

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\ed{feagcf{ rasmjn

LXF 464

\flsmaj 4? la`xdjmf|


152/439

\flsmaj 4? la`xdjmf|

D? Cm{flsa{|

D*4?Sef Kad{c

X{mjlmxgf

Frf{} la`xdj} |eavgc kf efdcfc k} dj fbbflsmrf kad{c

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LXF 46;


153/439

D*;? ledm{`dj djc lemfb fuflvsmrf

X{mjlmxgf

D lgfd{ cmrm|maj ab {f|xaj|mkmgmsmf| `v|s fum|s ds sef efdc

ab sef la`xdj}Ja mjcmrmcvdg |eavgc edrf vjbfssf{fc xa~f{| ab

cflm|maj*

LXF 462


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fj|v{f seds sef jflf||d{} bmjdjlmdg djc ev`dj{f|av{lf| d{f mj xgdlf ba{ sef la`xdj} sa `ffs ms|akoflsmrf|

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`ffs {fnvgd{g} sa cm|led{nf ms| cvsmf| fbbflsmrfg}

LXF 4>>


178/439

Ba{ gm|sfc la`xdjmf|?

dxxamjs dxx{ax{mdsf JFC|

f|sdkgm|e {f`vjf{dsmaj la``mssff

f|sdkgm|e ja`mjdsmaj| la``mssff f|sdkgm|e dvcms la``mssff

d||f|| ms| a~j xf{ba{`djlf djc {fxa{s ms djjvdgg} sa|ed{feagcf{|

|vk`ms sef`|fgrf| ba{ {ffgflsmaj ds {fnvgd{ mjsf{rdg|%`dum`v` ab se{ff }fd{|-*

LXF 4>5

Ldxdkmgmsmf| ab Fbbflsmrf Kad{c


179/439

Ldxdkmgmsmf| ab Fbbflsmrf Kad{c Lgfd{ |s{dsfn} dgmnjfc sa ldxdkmgmsmf|

\s{mls m`xgf`fjsdsmaj ab |s{dsfn}

If} xf{ba{`djlf c{mrf{| ajmsa{fc

\ed{x balv| aj if} |sdifeagcf{| [fnvgd{ frdgvdsmaj ab Kad{c xf{ba{`djlf

LXF 4>=

Cm{flsa{| |imgg|


180/439

Gm|sfjmjn

Tvf|smajmjn

Jfnasmdsmjn

Gfdcf{|emx %LFA! Ledm{`dj- Sflejmldg ija~gfcnf %FC|-

Nfjf{dg kv|mjf|| Ija~gfcnf % Fc| "JFC\-

LXF 458

Led{dlsf{m|sml| ab cm{flsa{|


181/439

@asmrdsfc

X{adlsmrf

Fuxf{mfjlfc

LXF 454

Oak Cf|l{mxsmaj Bmjdjlf Cm{flsa{


182/439

Oak Cf|l{mxsmaj Bmjdjlf Cm{flsa{^mgg rd{} dlla{cmjn sa sef |mzf ab la`xdj}

Mj nfjf{dg

Arf{ |ffmjn Bmjdjlmdg `dssf{|

[f|xaj|mkgf ba{ bmjdjlmdg mjba{`dsmaj sa LFA djcKAC

LXF 45;


183/439

\xflmbml

Lajs{ag ab la`xdj}| dllavjsmjn bvjlsmaj|

LXF 45

gg mc m k c \ m g m


248/439

Bvgg laj|mcf{dsmaj sa kad{c \vllf||maj xgdjjmjn X{fxd{dsmaj ab cf|l{mxsmaj ab {agf| " {f|xaj|mkmgms} ab sef

kad{c `f`kf{|

Kff |ffj sa axf{dsf mjcfxfjcfjsg}

@dimjn {fla``fjcdsmaj dkavs |sdjcmjn ba{{fdxxamjs`fjs ab Cm{flsa{|

Mcfjsmb} " ja`mjdsf ba{ dxx{ardg k} kad{c' ldjcmcdsf| sabmgg kad{c rdldjlmf|

LXF ;35

Ledxsf{ , 3


249/439

Cm{flsa{|

[f`vjf{dsmaj

LXF ;3=

N k % - b c cm


250/439

N{ffj kv{} {fxa{s %4==6- balv|fc aj cm{flsa{|{f`vjf{dsmaj

ms balv|fc gmji k!~ |dgd{} " xf{ba{`djlf

LXF ;68

[agf ab {f`vjf{dsmaj la``mssff D m c gm


251/439

Dxx{ax{mdsf {f~d{c xagml} sa dss{dls

[fsdmj

"@asmrdsf cm{flsa{| sa dlemfrf |ed{feagcf{| gajn sf{`

akoflsmrf|

LXF ;64

Akoflsmrf| ab La``mssff M e gc k m c c


252/439

Ms |eavgc kf mjcfxfjcfjsDllf|| sa fusf{jdg laj|vgsdjs|

Lgfd{ {f`vjf{dsmaj xagml} ~mse |ed{feagcf{| |vxxa{s

Xf{ba{`djlf xdlidnf| |eavgc kf dgmnjfc ~mse gajnsf{` mjsf{f|s| " sd{nfs|

[fxa{smjn sa |ed{feagcf{| |eavgc kf lgfd{' lajlm|fdkavs {f`vjf{dsmaj xagml}

LXF ;6;

[f|xaj|mkmgmsmf| ab {f`vjf{dsmaj

la``mssff C m " m m gm g


253/439

Cfsf{`mjf " {frmf~ {f`vjf{dsmaj xagml}' f`xga}`fjssf{`| djc lajcmsmaj| ba{ ledm{`dj "FC|

[fla``fjc djc `ajmsa{ sef {f`vjf{dsmaj ab |fjma{`djdnf{|

F|sdkgm|e xfj|maj xagml} ba{ dgg kad{c `f`kf{|

\fs cfsdmgfc {f`vjf{dsmaj ba{ dgg FC| " ledm{`dj

LXF ;6


314/439

La{xa{dsf \almdg [f|xaj|mkmgms}

" la{xa{dsf Narf{jdjlf

LXF


315/439

Lmsmzfj ab lavjs{}

Jasmajdgg} a~jfc k} |ed{feagcf{|

Mjcfxfjcfjsg} fum|sfjlf

LXF


316/439

@djdnf{| xv{|vf |ed{feagcf{| mjsf{f|s|

@a{dg {f|xaj|mkmgms} {f|s| aj narf{j`fjs

LXF


317/439

Flaja`ml

Gfndg

Fsemldg

Xemgdjse{axml

LXF


318/439

Fsemldg [f|xaj|mkmgms}Camjn ~eds m| {mnes


319/439

Camjn ~eds m| {mnes

Kf}ajc x{frmav| gfrfg|

Xemgdjse{axml [f|xaj|mkmgms}

Cm|l{fsmajd{} kfedrma{ sa m`x{arf asef{ gmrf|

Led{msdkgf cajdsmaj|

LXF


320/439

[fdlsmaj la`xdj} cfjmf|

Cfbfj|fdc`ms| djc caf| gfd|s

Dlla``acdsmaj| dc`ms| djc caf| ~eds m| {ftvm{fc

X{a dlsmaj na kf}ajc mjcv|s{} ja{`|

LXF


321/439

} x n

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lv|sa`f{|' |vxxgmf{|' |ed{feagcf{| djc f`xga}ff| '

Nars' Lmrmg |almfs} djc la`xfsmsa{|

LXF


322/439

Cm{fls Lgdm`| vjd`kmnvav| djc lgfd{

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~ea d{f vjdkgf sa fux{f|| a{ edrf ja ramlfCvf sa gf|| xa~f{|? mjcmrmcvdg lv|sa`f{ a{ |ed{feagcf{

Ja ramlf jdsv{dg fjrm{aj`fjs a{ Bvsv{f nfjf{dsmaj

LXF


323/439

n

Fusf{jdg lv|sa`f{|' f`xga}ff|

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|ed{feagcf{|' f`xga}ff|

^mcf gf|| dbbflsfc a{ cfxfjcfjs aj la`xdj} avs xvs Nars'

|almfs} d| d ~eagf

LXF


324/439

} }mjragrf`fjs ~avgc kf cmbbmlvgs sa axf{dsf Nars'|ed{feagcf{|

\flajcd{}? Edrf gm`msfc fbbfls aj a{ndjmzdsmaj djc~avgc |v{rmrf ~mseavs sefm{ mjragrf`fjs la``vjms}" @ns

LXF


325/439

^m|e jas sa xd{smlmxdsf galdg la``vjmsmf|' Nars'|vxxgmf{|

Ragvjsd{} " Mjragvjsd{mg}

Mjragrfc mj cflm|maj `dimjn @ns' f`xga}ff|'

Ca jas mjragrfc mj a{ndjmzdsmajdg cflm|maj `dimjn

LXF


326/439

Sea|f ~mse flaja`ml {fgdsmaj|emx ~mse dj a{ndjmzdsmaj*

Sea|f ~mseavs |vle gmji sf{{a{m|s|

LXF


327/439

G E

Xa~f{

G @mjm`v` Fbba{s iffx mjba{`fc

E iffx |dsm|bmfc if} xgd}f{|

LXF

Xa~f{? D`avjs ab mjbgvfjlf aj la{xa{dsmaj


328/439

Gfrfg ab Mjsf{f|s? mjsf{f|s mj la{xa{dsf xf{ba{`djlf

LXF


329/439

n

Emnef|s mjsf{f|s Ga~ Xa~f{

Fjrm{aj`fjsdg x{f||v{f n{avx|

Ga~ mjsf{f|s Emne Xa~f{

mj|smsvsmajdg |ed{feagcf{|Nars

LXF


330/439

@doa{ |ed{feagcf{|

LXF


331/439

Xa~f{ xf{lfmrfc mjbgvfjlf

Gfnmsm`dl} xf{lfmrfc lgdm`| d{f gfnmsm`dsf a{ jas

V{nfjl} lgdm`| ldgg ba{ m``fcmdsf dlsmaj|

LXF


332/439

{f|xaj|mkmgms} sa~d{c| |ed{f eagcf{|*

Lajs{dlsvdg akgmndsmaj

Ja{`dsmrf rmf~

`a{dg cvsmf|

^eds m| {mnes ba{ |almfs} d| la`xd{f sa la`xdj}

xv{|vmjn x{abms `dum`mzdsmaj

LXF


333/439

Fsemldg Dllavjsmjn mjsf{jdg `djdnf`fjs |}|sf` dsdj mjcmrmcvdg gfrfg

Fjrm{aj`fjsdg Dllavjsmjn jdsv{dg fjrm{aj`fjs \almdg Dllavjsmjn f`xga}ff efdgse' |dbfs} "

lajcmsmaj|

\v|sdmjdkmgms} dllavjsmjn S{mxgf kassa` gmjf

LXF


334/439

{fgdsmaj

La{xa{dsf Dllavjsdkmgms}

~efsef{ la{xa{dsmaj m| dj|~f{dkgf ba{ laj|ftvfjlf| abms| dlsmaj| kf}ajc ms| {fgdsmaj|emx| ~mse |ed{feagcf{|

LXF


335/439


336/439


337/439

A~jf{|emx ab |ed{f mj d gd{nfla{xa{dsmaj m| cmbbf{fjs

|ed{feagcf{| ca jas a~j la{xa{dsmaj \ed{feagcf{| xd{smlmxdsf mj sef {m|i " {f~d{c| ab


338/439

a~jf{|emx kvs mj gm`msfc cfn{ff

LXF


339/439

Sa lf{sdmj mjba{`dsmaj dkavs sef la`xdj}

Lf{sdmj {f|mcvdg {mnes| mj ld|f ab gmtvmcdsmaj

LXF


340/439

\ed{feagcf{ | Dlsmrm|`

Ramlf ds DN@

`dif |ed{feagcf{| d~d{f Fsemldg mjrf|s`fjs

V|f ab fsemldg '|almdg djc fjrm{aj`fjsdglaj|mcf{dsmaj mj xa{sbagma |fgflsmaj djc `djdnf`fjs

LXF


341/439

Lemgc Gdka{

Jvlgfd{ xa~f{

Xaa{ f`xga}`fjs x{dlsmlf|

~fdxaj|

LXF


342/439

Fsemldg f`xga}`fjs x{dlsmlf|

Mjjf{ lms} {fjardsmaj

N{ffj Sflejaganmf|

LXF


343/439

LXF


344/439

Sv{j kvgg %4===- Kac| |eavgc {frmf~ djc {fxa{s sa|ed{feagcf{|

LXF


345/439

Naac LN `fdj| seds KAC mcfjsmb} djc `djdnf {m|i

[@ djc ML |xdj| dgg dlsmrdsf| ab la`xdjmf|

LXF


346/439

Fbbflsmrfjf|| djc fbbmlmfjl} ab axf{dsmaj|

[fgmdkmgms} ab bmjdjlmdg |sdsf`fjs|

La`xgmdjlf ~mse dxxgmldkgf gd~| djc {fnvgdsmaj|

LXF


347/439

; |}|sf`| |eavgc kf leflifc {fnvgd{g}

F|sdkgm|e kv|mjf|| akoflsmrf|*

Mcfjsmb} sef d||almdsfc if} {m|i|* Cflmcf vxaj sef lajs{ag| sa dcc{f|| sef {m|i|*

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LXF

Mjsf{jdg lajs{ag

Lajs{ag| `mjm`mzf sef {m|i|% ~emle |sax d la`xdj} sadlemfrf akoflsmrf|-

M s g s g s


348/439

Mjsf{jdg lajs{ag |}|sf`

~eagf jfs~a{i ab |}|sf`| f|sdkgm|efc sa x{armcf

{fd|ajdkgf d||v{djlf seds a{ndjmzdsmaj| ~mgg dlemfrfms| akoflsmrf|

LXF


349/439

cfbflsmrf [@ |s{dsfn}

4 Fbbmlmfjs lajcvls ab kv|mjf||

; |dbfnvd{c ab d||fs|


350/439

La`xgmdjlf ~mse gd~|

LXF


351/439

LXF


352/439

Cfdg ~mse {avsmjf s{dj|dlsmaj|

[f|av{lf| laj|s{dmjs|

@djdnf`fjs arf{{mcf

LXF


353/439

F`kfccfc ~mse mj axf{dsmaj|

Dkgf sa {f|xajc sa ledjnmjn {m|i|

Mjlgvcf| x{alfcv{f| ba{ {fxa{smjn lajs{ag bdmgmjn| a{~fdijf||f|

LXF


354/439

KAC

fj|v{f dcftvdl} "fbbflsmrfjf|| ab ML\

\fjma{ Fuflvsmrf @djdnf`fjs

\fssmjn ML xagmlmf|

@ajmsa{mjn fbbflsmrfjf|| ab ML

LXF


355/439

[frmf~ ab ML

[frmf~ cfgfndsfc sa [@L Mjba{`dsmaj aj {frmf~ |eavgc kf mjlgvcfc mj djjvdg

dllavjs|


356/439

dllavjs|

Ds gfd|s ajlf mj d }fd{

LXF


357/439

;* [m|i d||f||`fjs


358/439

@djdnf`fjs xemga|axe}

A{ndjmzdsmajdg |s{vlsv{f

D||mnj`fjs ab dvsea{ms} djc {f|xaj|mkmgms}

E[ xagmlmf|

La`xfsfjlf ab xf{|ajjfg

LXF


359/439

Mjsf{jdg bdlsa{| a{n'ledjnf|' |sdbb svj arf{

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ledjnf|[D |eavgc cm|smjnvm|e k!~

Lajs{aggdkgf

Vj Lajs{aggdkgf

LXF


360/439

\fn{fndsmaj ab cvsmf|Xe}|mldg

Dvsea{mzdsmaj " dxx{ardg@djdnf`fjsSax gfrfg {frmf~|' dlsmrms} lajs{ag\vxf{rm|majarf{|mnes ab ~a{iA{ndjmzdsmaj |s{vlsv{f

D{mse`fsml " dllavjsmjnxf{|ajjfg

LXF


361/439

Fusf{jdg djc mjsf{jdg mjba{`dsmaj ba{ @ns sfd`

Mjba{`dsmaj jffc| cfxfjc aj gfrfg ab @ns

LXF


362/439

Axf{dsmajdg Gfrfg

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431/439

LXF 3


432/439

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434/439

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LXF 3


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LXF 3

Governance Risk and Business Ethics

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