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IM <br />P <br />O <br />R <br />T <br />A <br />N <br />T <br /> <br />DI <br />S <br />C <br />L <br />O <br />S <br />U <br />R <br />E <br />S <br />20 <br />2 <br />6 <br /> <br />C <br />h <br />a <br />n <br />d <br />l <br />e <br />r <br /> As <br />s <br />e <br />t <br /> Ma <br />n <br />a <br />g <br />e <br />m <br />e <br />n <br />t <br />, <br /> In <br />c <br />, <br /> An <br /> In <br />d <br />e <br />p <br />e <br />n <br />d <br />e <br />n <br />t <br /> Re <br />g <br />i <br />s <br />t <br />e <br />r <br />e <br />d <br /> <br />I <br />n <br />v <br />e <br />s <br />t <br />m <br />e <br />n <br />t <br /> <br />Ad <br />v <br />i <br />s <br />e <br />r <br />. <br />In <br />f <br />o <br />r <br />m <br />a <br />t <br />i <br />o <br />n <br /> <br />c <br />o <br />n <br />t <br />a <br />i <br />n <br />e <br />d <br /> <br />he <br />r <br />e <br />i <br />n <br /> is <br /> co <br />n <br />f <br />i <br />d <br />e <br />n <br />t <br />i <br />a <br />l <br />. <br /> <br />Pr <br />i <br />c <br />e <br />s <br /> ar <br />e <br /> pr <br />o <br />v <br />i <br />d <br />e <br />d <br /> by <br /> IC <br />E <br /> Da <br />t <br />a <br /> Se <br />r <br />v <br />i <br />c <br />e <br />s <br /> In <br />c <br /> (“ <br />I <br />D <br />S <br />” <br />) <br />, <br /> an <br /> in <br />d <br />e <br />p <br />e <br />n <br />d <br />e <br />n <br />t <br /> pr <br />i <br />c <br />i <br />n <br />g <br /> so <br />u <br />r <br />c <br />e <br />. <br /> In <br /> th <br />e <br /> ev <br />e <br />n <br />t <br /> ID <br />S <br /> do <br />e <br />s <br /> no <br />t <br /> pr <br />o <br />v <br />i <br />d <br />e <br /> a pr <br />i <br />c <br />e <br /> or <br /> if <br /> th <br />e <br /> <br />pr <br />i <br />c <br />e <br /> pr <br />o <br />v <br />i <br />d <br />e <br />d <br /> is <br /> no <br />t <br /> re <br />f <br />l <br />e <br />c <br />t <br />i <br />v <br />e <br /> of <br /> fa <br />i <br />r <br /> ma <br />r <br />k <br />e <br />t <br /> va <br />l <br />u <br />e <br />, <br /> Ch <br />a <br />n <br />d <br />l <br />e <br />r <br /> wi <br />l <br />l <br /> ob <br />t <br />a <br />i <br />n <br /> pr <br />i <br />c <br />i <br />n <br />g <br /> fr <br />o <br />m <br /> an <br /> al <br />t <br />e <br />r <br />n <br />a <br />t <br />i <br />v <br />e <br /> ap <br />p <br />r <br />o <br />v <br />e <br />d <br /> th <br />i <br />r <br />d <br /> pa <br />r <br />t <br />y <br /> pr <br />i <br />c <br />i <br />n <br />g <br /> so <br />u <br />r <br />c <br />e <br /> in <br /> ac <br />c <br />o <br />r <br />d <br />a <br />n <br />c <br />e <br /> wi <br />t <br />h <br /> ou <br />r <br /> wr <br />i <br />t <br />t <br />e <br />n <br /> va <br />l <br />u <br />a <br />t <br />i <br />o <br />n <br /> <br />po <br />l <br />i <br />c <br />y <br /> an <br />d <br /> pr <br />o <br />c <br />e <br />d <br />u <br />r <br />e <br />s <br />. <br /> <br />Ou <br />r <br /> va <br />l <br />u <br />a <br />t <br />i <br />o <br />n <br /> pr <br />o <br />c <br />e <br />d <br />u <br />r <br />e <br />s <br /> <br />ar <br />e <br /> al <br />s <br />o <br /> di <br />s <br />c <br />l <br />o <br />s <br />e <br />d <br /> in <br /> It <br />e <br />m <br /> 5 of <br /> ou <br />r <br /> Fo <br />r <br />m <br /> AD <br />V <br /> Pa <br />r <br />t <br /> 2A <br />. <br />Pe <br />r <br />f <br />o <br />r <br />m <br />a <br />n <br />c <br />e <br /> re <br />s <br />u <br />l <br />t <br />s <br /> ar <br />e <br /> pr <br />e <br />s <br />e <br />n <br />t <br />e <br />d <br /> gr <br />o <br />s <br />s <br />-of <br />-ad <br />v <br />i <br />s <br />o <br />r <br />y <br /> fe <br />e <br />s <br /> an <br />d <br /> re <br />p <br />r <br />e <br />s <br />e <br />n <br />t <br /> th <br />e <br /> cl <br />i <br />e <br />n <br />t <br />’ <br />s <br /> To <br />t <br />a <br />l <br /> <br />Re <br />t <br />u <br />r <br />n <br />. <br /> Th <br />e <br /> de <br />d <br />u <br />c <br />t <br />i <br />o <br />n <br /> of <br /> ad <br />v <br />i <br />s <br />o <br />r <br />y <br /> fe <br />e <br />s <br /> lo <br />w <br />e <br />r <br />s <br /> pe <br />r <br />f <br />o <br />r <br />m <br />a <br />n <br />c <br />e <br /> re <br />s <br />u <br />l <br />t <br />s <br />. <br /> Th <br />e <br />s <br />e <br /> re <br />s <br />u <br />l <br />t <br />s <br /> in <br />c <br />l <br />u <br />d <br />e <br /> <br />th <br />e <br /> re <br />i <br />n <br />v <br />e <br />s <br />t <br />m <br />e <br />n <br />t <br /> <br />of <br /> di <br />v <br />i <br />d <br />e <br />n <br />d <br />s <br /> an <br />d <br /> ot <br />h <br />e <br />r <br /> ea <br />r <br />n <br />i <br />n <br />g <br />s <br />. <br /> Pa <br />s <br />t <br /> pe <br />r <br />f <br />o <br />r <br />m <br />a <br />n <br />c <br />e <br /> ma <br />y <br /> no <br />t <br /> be <br /> in <br />d <br />i <br />c <br />a <br />t <br />i <br />v <br />e <br /> of <br /> fu <br />t <br />u <br />r <br />e <br /> re <br />s <br />u <br />l <br />t <br />s <br />. <br /> Th <br />e <br />r <br />e <br />f <br />o <br />r <br />e <br />, <br /> <br />cl <br />i <br />e <br />n <br />t <br />s <br /> sh <br />o <br />u <br />l <br />d <br /> no <br />t <br /> as <br />s <br />u <br />m <br />e <br /> th <br />a <br />t <br /> fu <br />t <br />u <br />r <br />e <br /> pe <br />r <br />f <br />o <br />r <br />m <br />a <br />n <br />c <br />e <br /> of <br /> an <br />y <br /> <br />sp <br />e <br />c <br />i <br />f <br />i <br />c <br /> in <br />v <br />e <br />s <br />t <br />m <br />e <br />n <br />t <br /> <br />or <br /> in <br />v <br />e <br />s <br />t <br />m <br />e <br />n <br />t <br /> <br />s <br />t <br />r <br />a <br />t <br />e <br />g <br />y <br /> <br />wi <br />l <br />l <br /> be <br /> pr <br />o <br />f <br />i <br />t <br />a <br />b <br />l <br />e <br /> or <br /> eq <br />u <br />a <br />l <br /> to <br /> pa <br />s <br />t <br /> pe <br />r <br />f <br />o <br />r <br />m <br />a <br />n <br />c <br />e <br /> <br />le <br />v <br />e <br />l <br />s <br />. <br /> Al <br />l <br /> in <br />v <br />e <br />s <br />t <br />m <br />e <br />n <br />t <br /> <br />s <br />t <br />r <br />a <br />t <br />e <br />g <br />i <br />e <br />s <br /> <br />ha <br />v <br />e <br /> th <br />e <br /> po <br />t <br />e <br />n <br />t <br />i <br />a <br />l <br /> fo <br />r <br /> pr <br />o <br />f <br />i <br />t <br /> or <br /> lo <br />s <br />s <br />. <br /> Ec <br />o <br />n <br />o <br />m <br />i <br />c <br /> fa <br />c <br />t <br />o <br />r <br />s <br />, <br /> <br />ma <br />r <br />k <br />e <br />t <br /> co <br />n <br />d <br />i <br />t <br />i <br />o <br />n <br />s <br /> or <br /> ch <br />a <br />n <br />g <br />e <br />s <br /> in <br /> in <br />v <br />e <br />s <br />t <br />m <br />e <br />n <br />t <br /> <br />s <br />t <br />r <br />a <br />t <br />e <br />g <br />i <br />e <br />s <br />, <br /> co <br />n <br />t <br />r <br />i <br />b <br />u <br />t <br />i <br />o <br />n <br />s <br /> or <br /> wi <br />t <br />h <br />d <br />r <br />a <br />w <br />a <br />l <br />s <br /> ma <br />y <br /> ma <br />t <br />e <br />r <br />i <br />a <br />l <br />l <br />y <br /> al <br />t <br />e <br />r <br /> th <br />e <br /> pe <br />r <br />f <br />o <br />r <br />m <br />a <br />n <br />c <br />e <br /> <br />an <br />d <br /> re <br />s <br />u <br />l <br />t <br />s <br /> of <br /> yo <br />u <br />r <br /> po <br />r <br />t <br />f <br />o <br />l <br />i <br />o <br />. <br />In <br />d <br />e <br />x <br /> re <br />t <br />u <br />r <br />n <br />s <br /> <br />as <br />s <br />u <br />m <br />e <br /> re <br />i <br />n <br />v <br />e <br />s <br />t <br />m <br />e <br />n <br />t <br /> <br />of <br /> al <br />l <br /> di <br />s <br />t <br />r <br />i <br />b <br />u <br />t <br />i <br />o <br />n <br />s <br />. <br /> <br />Hi <br />s <br />t <br />o <br />r <br />i <br />c <br />a <br />l <br /> pe <br />r <br />f <br />o <br />r <br />m <br />a <br />n <br />c <br />e <br /> re <br />s <br />u <br />l <br />t <br />s <br /> fo <br />r <br /> <br />in <br />v <br />e <br />s <br />t <br />m <br />e <br />n <br />t <br /> <br />in <br />d <br />e <br />x <br />e <br />s <br /> <br />ge <br />n <br />e <br />r <br />a <br />l <br />l <br />y <br /> do <br /> no <br />t <br /> re <br />f <br />l <br />e <br />c <br />t <br /> <br />t <br />h <br />e <br /> de <br />d <br />u <br />c <br />t <br />i <br />o <br />n <br /> <br />of <br /> tr <br />a <br />n <br />s <br />a <br />c <br />t <br />i <br />o <br />n <br /> <br />a <br />n <br />d <br />/ <br />o <br />r <br /> <br />cu <br />s <br />t <br />o <br />d <br />i <br />a <br />l <br /> ch <br />a <br />r <br />g <br />e <br />s <br /> or <br /> th <br />e <br /> de <br />d <br />u <br />c <br />t <br />i <br />o <br />n <br /> of <br /> an <br /> in <br />v <br />e <br />s <br />t <br />m <br />e <br />n <br />t <br /> <br />m <br />a <br />n <br />a <br />g <br />e <br />m <br />e <br />n <br />t <br /> <br />fe <br />e <br />, <br /> th <br />e <br /> in <br />c <br />u <br />r <br />r <br />e <br />n <br />c <br />e <br /> of <br /> wh <br />i <br />c <br />h <br /> wo <br />u <br />l <br />d <br /> ha <br />v <br />e <br /> th <br />e <br /> ef <br />f <br />e <br />c <br />t <br /> <br />of <br /> de <br />c <br />r <br />e <br />a <br />s <br />i <br />n <br />g <br /> hi <br />s <br />t <br />o <br />r <br />i <br />c <br />a <br />l <br /> pe <br />r <br />f <br />o <br />r <br />m <br />a <br />n <br />c <br />e <br /> <br />re <br />s <br />u <br />l <br />t <br />s <br />. <br /> It <br /> is <br /> no <br />t <br /> <br />po <br />s <br />s <br />i <br />b <br />l <br />e <br /> to <br /> in <br />v <br />e <br />s <br />t <br /> di <br />r <br />e <br />c <br />t <br />l <br />y <br /> in <br /> an <br /> in <br />d <br />e <br />x <br />. <br />So <br />u <br />r <br />c <br />e <br /> IC <br />E <br /> Da <br />t <br />a <br /> In <br />d <br />i <br />c <br />e <br />s <br />, <br /> LL <br />C <br /> (“ <br />I <br />C <br />E <br />” <br />) <br />, <br /> us <br />e <br />d <br /> wi <br />t <br />h <br /> pe <br />r <br />m <br />i <br />s <br />s <br />i <br />o <br />n <br />. <br /> IC <br />E <br /> pe <br />r <br />m <br />i <br />t <br />s <br /> us <br />e <br /> of <br /> th <br />e <br /> IC <br />E <br /> in <br />d <br />i <br />c <br />e <br />s <br /> an <br />d <br /> re <br />l <br />a <br />t <br />e <br />d <br /> da <br />t <br />a <br /> on <br /> an <br /> “a <br />s <br /> is <br />” <br /> ba <br />s <br />i <br />s <br />; <br /> IC <br />E <br />, <br /> it <br />s <br /> af <br />f <br />i <br />l <br />i <br />a <br />t <br />e <br />s <br /> an <br />d <br /> th <br />e <br />i <br />r <br /> re <br />s <br />p <br />e <br />c <br />t <br />i <br />v <br />e <br /> <br />th <br />i <br />r <br />d <br /> pa <br />r <br />t <br />y <br /> <br />su <br />p <br />p <br />l <br />i <br />e <br />r <br />s <br /> di <br />s <br />c <br />l <br />a <br />i <br />m <br /> <br />a <br />n <br />y <br /> <br />a <br />n <br />d <br /> al <br />l <br /> wa <br />r <br />r <br />a <br />n <br />t <br />i <br />e <br />s <br /> an <br />d <br /> re <br />p <br />r <br />e <br />s <br />e <br />n <br />t <br />a <br />t <br />i <br />o <br />n <br />s <br />, <br /> <br />ex <br />p <br />r <br />e <br />s <br />s <br /> an <br />d <br />/ <br />o <br />r <br /> <br />i <br />m <br />p <br />l <br />i <br />e <br />d <br />, <br /> <br />i <br />n <br />c <br />l <br />u <br />d <br />i <br />n <br />g <br /> <br />a <br />n <br />y <br /> wa <br />r <br />r <br />a <br />n <br />t <br />i <br />e <br />s <br /> of <br /> me <br />r <br />c <br />h <br />a <br />n <br />t <br />a <br />b <br />i <br />l <br />i <br />t <br />y <br /> or <br /> <br />f <br />i <br />t <br />n <br />e <br />s <br />s <br /> fo <br />r <br /> <br />a <br /> pa <br />r <br />t <br />i <br />c <br />u <br />l <br />a <br />r <br /> <br />p <br />u <br />r <br />p <br />o <br />s <br />e <br /> <br />o <br />r <br /> <br />us <br />e <br />, <br /> <br />in <br />c <br />l <br />u <br />d <br />i <br />n <br />g <br /> th <br />e <br /> in <br />d <br />i <br />c <br />e <br />s <br />, <br /> in <br />d <br />e <br />x <br /> da <br />t <br />a <br /> an <br />d <br /> an <br />y <br /> da <br />t <br />a <br /> in <br />c <br />l <br />u <br />d <br />e <br />d <br /> in <br />, <br /> re <br />l <br />a <br />t <br />e <br />d <br /> <br />to <br />, <br /> or <br /> de <br />r <br />i <br />v <br />e <br />d <br /> th <br />e <br />r <br />e <br />f <br />r <br />o <br />m <br />. <br /> <br />Ne <br />i <br />t <br />h <br />e <br />r <br /> IC <br />E <br /> da <br />t <br />a <br />, <br /> it <br />s <br /> af <br />f <br />i <br />l <br />i <br />a <br />t <br />e <br />s <br /> or <br /> th <br />e <br />i <br />r <br /> re <br />s <br />p <br />e <br />c <br />t <br />i <br />v <br />e <br /> <br />th <br />i <br />r <br />d <br /> pa <br />r <br />t <br />y <br /> pr <br />o <br />v <br />i <br />d <br />e <br />r <br />s <br /> gu <br />a <br />r <br />a <br />n <br />t <br />e <br />e <br /> th <br />e <br /> <br />qu <br />a <br />l <br />i <br />t <br />y <br />, <br /> <br />a <br />d <br />e <br />q <br />u <br />a <br />c <br />y <br />, <br /> <br />a <br />c <br />c <br />u <br />r <br />a <br />c <br />y <br />, <br /> <br />ti <br />m <br />e <br />l <br />i <br />n <br />e <br />s <br />s <br /> or <br /> co <br />m <br />p <br />l <br />e <br />t <br />e <br />n <br />e <br />s <br />s <br /> of <br /> th <br />e <br /> in <br />d <br />i <br />c <br />e <br />s <br /> or <br /> th <br />e <br /> in <br />d <br />e <br />x <br /> da <br />t <br />a <br /> or <br /> an <br />y <br /> co <br />m <br />p <br />o <br />n <br />e <br />n <br />t <br /> <br />t <br />h <br />e <br />r <br />e <br />o <br />f <br />, <br /> an <br />d <br /> th <br />e <br /> in <br />d <br />i <br />c <br />e <br />s <br /> an <br />d <br /> in <br />d <br />e <br />x <br /> da <br />t <br />a <br /> an <br />d <br /> al <br />l <br /> co <br />m <br />p <br />o <br />n <br />e <br />n <br />t <br />s <br /> <br />t <br />h <br />e <br />r <br />e <br />o <br />f <br /> <br />ar <br />e <br /> pr <br />o <br />v <br />i <br />d <br />e <br />d <br /> <br />on <br /> an <br /> “a <br />s <br /> is <br />” <br /> ba <br />s <br />i <br />s <br /> an <br />d <br /> li <br />c <br />e <br />n <br />s <br />e <br />e <br />’ <br />s <br /> <br />us <br />e <br /> it <br /> at <br /> li <br />c <br />e <br />n <br />s <br />e <br />e <br />’ <br />s <br /> <br />ow <br />n <br /> ri <br />s <br />k <br />. <br /> IC <br />E <br /> da <br />t <br />a <br />, <br /> <br />i <br />t <br />s <br /> af <br />f <br />i <br />l <br />i <br />a <br />t <br />e <br />s <br /> <br />an <br />d <br /> th <br />e <br />i <br />r <br /> re <br />s <br />p <br />e <br />c <br />t <br />i <br />v <br />e <br /> <br />th <br />i <br />r <br />d <br /> pa <br />r <br />t <br />y <br /> do <br /> no <br />t <br /> <br />sp <br />o <br />n <br />s <br />o <br />r <br />, <br /> en <br />d <br />o <br />r <br />s <br />e <br />, <br /> or <br /> re <br />c <br />o <br />m <br />m <br />e <br />n <br />d <br /> <br />c <br />h <br />a <br />n <br />d <br />l <br />e <br />r <br /> <br />as <br />s <br />e <br />t <br /> ma <br />n <br />a <br />g <br />e <br />m <br />e <br />n <br />t <br />, <br /> <br />or <br /> an <br />y <br /> of <br /> it <br />s <br /> pr <br />o <br />d <br />u <br />c <br />t <br />s <br /> or <br /> se <br />r <br />v <br />i <br />c <br />e <br />s <br />. <br />Th <br />i <br />s <br /> re <br />p <br />o <br />r <br />t <br /> is <br /> pr <br />o <br />v <br />i <br />d <br />e <br />d <br /> fo <br />r <br /> in <br />f <br />o <br />r <br />m <br />a <br />t <br />i <br />o <br />n <br />a <br />l <br /> pu <br />r <br />p <br />o <br />s <br />e <br />s <br /> on <br />l <br />y <br /> an <br />d <br /> sh <br />o <br />u <br />l <br />d <br /> no <br />t <br /> be <br /> co <br />n <br />s <br />t <br />r <br />u <br />e <br />d <br /> as <br /> a sp <br />e <br />c <br />i <br />f <br />i <br />c <br /> in <br />v <br />e <br />s <br />t <br />m <br />e <br />n <br />t <br /> or <br /> le <br />g <br />a <br />l <br /> ad <br />v <br />i <br />c <br />e <br />. <br /> Th <br />e <br /> in <br />f <br />o <br />r <br />m <br />a <br />t <br />i <br />o <br />n <br /> co <br />n <br />t <br />a <br />i <br />n <br />e <br />d <br /> he <br />r <br />e <br />i <br />n <br /> wa <br />s <br /> ob <br />t <br />a <br />i <br />n <br />e <br />d <br /> fr <br />o <br />m <br /> <br />so <br />u <br />r <br />c <br />e <br />s <br /> be <br />l <br />i <br />e <br />v <br />e <br />d <br /> to <br /> be <br /> re <br />l <br />i <br />a <br />b <br />l <br />e <br /> as <br /> of <br /> th <br />e <br /> da <br />t <br />e <br /> of <br /> pu <br />b <br />l <br />i <br />c <br />a <br />t <br />i <br />o <br />n <br />, <br /> bu <br />t <br /> ma <br />y <br /> be <br />c <br />o <br />m <br />e <br /> ou <br />t <br />d <br />a <br />t <br />e <br />d <br /> or <br /> su <br />p <br />e <br />r <br />s <br />e <br />d <br />e <br />d <br /> <br />at <br /> an <br />y <br /> ti <br />m <br />e <br /> wi <br />t <br />h <br />o <br />u <br />t <br /> no <br />t <br />i <br />c <br />e <br />. <br /> An <br />y <br /> op <br />i <br />n <br />i <br />o <br />n <br />s <br /> or <br /> vi <br />e <br />w <br />s <br /> ex <br />p <br />r <br />e <br />s <br />s <br />e <br />d <br /> ar <br />e <br /> ba <br />s <br />e <br />d <br /> on <br /> <br />cu <br />r <br />r <br />e <br />n <br />t <br /> ma <br />r <br />k <br />e <br />t <br /> co <br />n <br />d <br />i <br />t <br />i <br />o <br />n <br />s <br /> an <br />d <br /> ar <br />e <br /> su <br />b <br />j <br />e <br />c <br />t <br /> to <br /> ch <br />a <br />n <br />g <br />e <br />. <br /> Th <br />i <br />s <br /> re <br />p <br />o <br />r <br />t <br /> ma <br />y <br /> co <br />n <br />t <br />a <br />i <br />n <br /> fo <br />r <br />e <br />c <br />a <br />s <br />t <br />s <br /> an <br />d <br /> fo <br />r <br />w <br />a <br />r <br />d <br />-lo <br />o <br />k <br />i <br />n <br />g <br /> st <br />a <br />t <br />e <br />m <br />e <br />n <br />t <br />s <br /> wh <br />i <br />c <br />h <br /> ar <br />e <br /> in <br />h <br />e <br />r <br />e <br />n <br />t <br />l <br />y <br /> li <br />m <br />i <br />t <br />e <br />d <br /> an <br />d <br /> sh <br />o <br />u <br />l <br />d <br /> no <br />t <br /> be <br /> re <br />l <br />i <br />e <br />d <br /> <br />up <br />o <br />n <br /> as <br /> in <br />d <br />i <br />c <br />a <br />t <br />o <br />r <br /> of <br /> fu <br />t <br />u <br />r <br />e <br /> re <br />s <br />u <br />l <br />t <br />s <br />. <br /> Pa <br />s <br />t <br /> pe <br />r <br />f <br />o <br />r <br />m <br />a <br />n <br />c <br />e <br /> is <br /> no <br />t <br /> in <br />d <br />i <br />c <br />a <br />t <br />i <br />v <br />e <br /> of <br /> fu <br />t <br />u <br />r <br />e <br /> re <br />s <br />u <br />l <br />t <br />s <br />. <br /> Th <br />i <br />s <br /> re <br />p <br />o <br />r <br />t <br /> is <br /> no <br />t <br /> in <br />t <br />e <br />n <br />d <br />e <br />d <br /> to <br /> co <br />n <br />s <br />t <br />i <br />t <br />u <br />t <br />e <br /> <br />an <br /> of <br />f <br />e <br />r <br />, <br /> so <br />l <br />i <br />c <br />i <br />t <br />a <br />t <br />i <br />o <br />n <br />, <br /> re <br />c <br />o <br />m <br />m <br />e <br />n <br />d <br />a <br />t <br />i <br />o <br />n <br /> or <br /> ad <br />v <br />i <br />c <br />e <br /> <br />re <br />g <br />a <br />r <br />d <br />i <br />n <br />g <br /> an <br />y <br /> se <br />c <br />u <br />r <br />i <br />t <br />i <br />e <br />s <br /> <br />or <br /> in <br />v <br />e <br />s <br />t <br />m <br />e <br />n <br />t <br /> st <br />r <br />a <br />t <br />e <br />g <br />y <br /> <br />an <br />d <br /> sh <br />o <br />u <br />l <br />d <br /> no <br />t <br /> be <br /> re <br />g <br />a <br />r <br />d <br />e <br />d <br /> by <br /> re <br />c <br />i <br />p <br />i <br />e <br />n <br />t <br />s <br /> <br />as <br /> a su <br />b <br />s <br />t <br />i <br />t <br />u <br />t <br />e <br /> fo <br />r <br /> th <br />e <br /> ex <br />e <br />r <br />c <br />i <br />s <br />e <br /> <br />of <br /> th <br />e <br />i <br />r <br /> ow <br />n <br /> ju <br />d <br />g <br />m <br />e <br />n <br />t <br />. <br />Fi <br />x <br />e <br />d <br /> in <br />c <br />o <br />m <br />e <br /> in <br />v <br />e <br />s <br />t <br />m <br />e <br />n <br />t <br />s <br /> ar <br />e <br /> su <br />b <br />j <br />e <br />c <br />t <br /> to <br /> in <br />t <br />e <br />r <br />e <br />s <br />t <br />, <br /> cr <br />e <br />d <br />i <br />t <br /> an <br />d <br /> ma <br />r <br />k <br />e <br />t <br /> ri <br />s <br />k <br />. <br /> In <br />t <br />e <br />r <br />e <br />s <br />t <br /> ra <br />t <br />e <br /> <br />ri <br />s <br />k <br />: <br /> th <br />e <br /> va <br />l <br />u <br />e <br /> of <br /> fi <br />x <br />e <br />d <br /> in <br />c <br />o <br />m <br />e <br /> in <br />v <br />e <br />s <br />t <br />m <br />e <br />n <br />t <br />s <br /> <br />wi <br />l <br />l <br /> de <br />c <br />l <br />i <br />n <br />e <br /> as <br /> in <br />t <br />e <br />r <br />e <br />s <br />t <br /> ra <br />t <br />e <br />s <br /> ri <br />s <br />e <br />. <br /> Cr <br />e <br />d <br />i <br />t <br /> ri <br />s <br />k <br />: <br /> th <br />e <br /> <br />po <br />s <br />s <br />i <br />b <br />i <br />l <br />i <br />t <br />y <br /> th <br />a <br />t <br /> th <br />e <br /> bo <br />r <br />r <br />o <br />w <br />e <br />r <br /> ma <br />y <br /> no <br />t <br /> be <br /> ab <br />l <br />e <br /> to <br /> re <br />p <br />a <br />y <br /> in <br />t <br />e <br />r <br />e <br />s <br />t <br /> an <br />d <br /> pr <br />i <br />n <br />c <br />i <br />p <br />a <br />l <br />. <br /> Lo <br />w <br /> ra <br />t <br />e <br />d <br /> bo <br />n <br />d <br />s <br /> ge <br />n <br />e <br />r <br />a <br />l <br />l <br />y <br /> ha <br />v <br />e <br /> to <br /> pa <br />y <br /> hi <br />g <br />h <br />e <br />r <br /> in <br />t <br />e <br />r <br />e <br />s <br />t <br /> ra <br />t <br />e <br />s <br /> to <br /> at <br />t <br />r <br />a <br />c <br />t <br /> in <br />v <br />e <br />s <br />t <br />o <br />r <br />s <br /> wi <br />l <br />l <br />i <br />n <br />g <br /> to <br /> ta <br />k <br />e <br /> on <br /> <br />gr <br />e <br />a <br />t <br />e <br />r <br /> ri <br />s <br />k <br />. <br /> Ma <br />r <br />k <br />e <br />t <br /> ri <br />s <br />k <br />: <br /> th <br />e <br /> bo <br />n <br />d <br /> ma <br />r <br />k <br />e <br />t <br /> in <br /> ge <br />n <br />e <br />r <br />a <br />l <br /> co <br />u <br />l <br />d <br /> de <br />c <br />l <br />i <br />n <br />e <br /> du <br />e <br /> to <br /> ec <br />o <br />n <br />o <br />m <br />i <br />c <br /> co <br />n <br />d <br />i <br />t <br />i <br />o <br />n <br />s <br />, <br /> es <br />p <br />e <br />c <br />i <br />a <br />l <br />l <br />y <br /> du <br />r <br />i <br />n <br />g <br /> pe <br />r <br />i <br />o <br />d <br />s <br /> of <br /> ri <br />s <br />i <br />n <br />g <br /> in <br />t <br />e <br />r <br />e <br />s <br />t <br /> <br />r <br />a <br />t <br />e <br />s <br />. <br />Ra <br />t <br />i <br />n <br />g <br />s <br /> in <br />f <br />o <br />r <br />m <br />a <br />t <br />i <br />o <br />n <br /> ha <br />v <br />e <br /> be <br />e <br />n <br /> pr <br />o <br />v <br />i <br />d <br />e <br />d <br /> by <br /> Mo <br />o <br />d <br />y <br />’ <br />s <br />, <br /> S& <br />P <br /> an <br />d <br /> Fi <br />t <br />c <br />h <br /> th <br />r <br />o <br />u <br />g <br />h <br /> da <br />t <br />a <br /> fe <br />e <br />d <br />s <br /> we <br /> be <br />l <br />i <br />e <br />v <br />e <br /> to <br /> be <br /> re <br />l <br />i <br />a <br />b <br />l <br />e <br /> as <br /> of <br /> th <br />e <br /> da <br />t <br />e <br /> of <br /> th <br />i <br />s <br /> st <br />a <br />t <br />e <br />m <br />e <br />n <br />t <br />, <br /> ho <br />w <br />e <br />v <br />e <br />r <br /> we <br /> ca <br />n <br />n <br />o <br />t <br /> gu <br />a <br />r <br />a <br />n <br />t <br />e <br />e <br />it <br />s <br /> ac <br />c <br />u <br />r <br />a <br />c <br />y <br />. <br />Se <br />c <br />u <br />r <br />i <br />t <br />y <br /> le <br />v <br />e <br />l <br /> ra <br />t <br />i <br />n <br />g <br />s <br /> fo <br />r <br /> U. <br />S <br />. <br /> Ag <br />e <br />n <br />c <br />y <br /> is <br />s <br />u <br />e <br />d <br /> mo <br />r <br />t <br />g <br />a <br />g <br />e <br />-ba <br />c <br />k <br />e <br />d <br /> se <br />c <br />u <br />r <br />i <br />t <br />i <br />e <br />s <br /> (“ <br />M <br />B <br />S <br />” <br />) <br /> re <br />f <br />l <br />e <br />c <br />t <br /> th <br />e <br /> is <br />s <br />u <br />e <br />r <br /> ra <br />t <br />i <br />n <br />g <br /> be <br />c <br />a <br />u <br />s <br />e <br /> th <br />e <br /> se <br />c <br />u <br />r <br />i <br />t <br />i <br />e <br />s <br /> th <br />e <br />m <br />s <br />e <br />l <br />v <br />e <br />s <br /> ar <br />e <br /> no <br />t <br /> ra <br />t <br />e <br />d <br />. <br /> Th <br />e <br /> is <br />s <br />u <br />i <br />n <br />g <br /> U. <br />S <br />. <br /> Ag <br />e <br />n <br />c <br />y <br /> <br />gu <br />a <br />r <br />a <br />n <br />t <br />e <br />e <br />s <br /> th <br />e <br /> fu <br />l <br />l <br /> an <br />d <br /> ti <br />m <br />e <br />l <br />y <br /> pa <br />y <br />m <br />e <br />n <br />t <br /> of <br /> bo <br />t <br />h <br /> pr <br />i <br />n <br />c <br />i <br />p <br />a <br />l <br /> an <br />d <br /> in <br />t <br />e <br />r <br />e <br />s <br />t <br />. <br />LG <br />I <br />P <br /> Yi <br />e <br />l <br />d <br />s <br />: <br /> Re <br />p <br />o <br />r <br />t <br />e <br />d <br /> yi <br />e <br />l <br />d <br />s <br /> fo <br />r <br /> lo <br />c <br />a <br />l <br /> go <br />v <br />e <br />r <br />n <br />m <br />e <br />n <br />t <br /> in <br />v <br />e <br />s <br />t <br />m <br />e <br />n <br />t <br /> po <br />o <br />l <br />s <br /> ma <br />y <br /> be <br /> pr <br />e <br />s <br />e <br />n <br />t <br />e <br />d <br /> as <br /> ei <br />t <br />h <br />e <br />r <br /> th <br />e <br /> 30 <br />-da <br />y <br /> yi <br />e <br />l <br />d <br /> or <br /> th <br />e <br /> mo <br />n <br />t <br />h <br />l <br />y <br /> di <br />s <br />t <br />r <br />i <br />b <br />u <br />t <br />i <br />o <br />n <br /> yi <br />e <br />l <br />d <br />, <br /> as <br /> ap <br />p <br />l <br />i <br />c <br />a <br />b <br />l <br />e <br />. <br /> Fo <br />r <br /> ce <br />r <br />t <br />a <br />i <br />n <br /> fu <br />n <br />d <br />s <br />, <br /> <br />th <br />e <br /> 30 <br />-da <br />y <br /> yi <br />e <br />l <br />d <br /> is <br /> ca <br />l <br />c <br />u <br />l <br />a <br />t <br />e <br />d <br /> us <br />i <br />n <br />g <br /> re <br />p <br />o <br />r <br />t <br />e <br />d <br /> da <br />i <br />l <br />y <br /> yi <br />e <br />l <br />d <br /> da <br />t <br />a <br />. <br /> Yi <br />e <br />l <br />d <br /> ca <br />l <br />c <br />u <br />l <br />a <br />t <br />i <br />o <br />n <br />s <br /> ar <br />e <br /> su <br />b <br />j <br />e <br />c <br />t <br /> to <br /> ch <br />a <br />n <br />g <br />e <br /> an <br />d <br /> ma <br />y <br /> no <br />t <br /> be <br /> di <br />r <br />e <br />c <br />t <br />l <br />y <br /> co <br />m <br />p <br />a <br />r <br />a <br />b <br />l <br />e <br /> ac <br />r <br />o <br />s <br />s <br /> fu <br />n <br />d <br />s <br />. <br />LA <br />I <br />F <br /> Yi <br />e <br />l <br />d <br />s <br />: <br /> Ad <br />d <br />i <br />t <br />i <br />o <br />n <br />a <br />l <br /> Di <br />s <br />c <br />l <br />o <br />s <br />u <br />r <br />e <br /> fo <br />r <br /> CA <br /> Cl <br />i <br />e <br />n <br />t <br />s <br /> - As <br /> a re <br />s <br />u <br />l <br />t <br /> of <br /> a re <br />p <br />o <br />r <br />t <br />i <br />n <br />g <br /> la <br />g <br /> fr <br />o <br />m <br /> th <br />e <br /> Lo <br />c <br />a <br />l <br /> Ag <br />e <br />n <br />c <br />y <br /> In <br />v <br />e <br />s <br />t <br />m <br />e <br />n <br />t <br /> Fu <br />n <br />d <br /> (L <br />A <br />I <br />F <br />) <br />, <br /> re <br />p <br />o <br />r <br />t <br />e <br />d <br /> LA <br />I <br />F <br /> yi <br />e <br />l <br />d <br />s <br /> re <br />p <br />r <br />e <br />s <br />e <br />n <br />t <br /> <br />th <br />e <br /> mo <br />s <br />t <br /> re <br />c <br />e <br />n <br />t <br />l <br />y <br /> <br />av <br />a <br />i <br />l <br />a <br />b <br />l <br />e <br /> Da <br />i <br />l <br />y <br /> Ef <br />f <br />e <br />c <br />t <br />i <br />v <br />e <br /> <br />Yi <br />e <br />l <br />d <br /> an <br />d <br /> ma <br />y <br /> re <br />f <br />l <br />e <br />c <br />t <br /> da <br />t <br />a <br /> fr <br />o <br />m <br /> ap <br />p <br />r <br />o <br />x <br />i <br />m <br />a <br />t <br />e <br />l <br />y <br /> 7–10 <br /> da <br />y <br />s <br /> pr <br />i <br />o <br />r <br /> to <br /> mo <br />n <br />t <br />h <br />-en <br />d <br />. <br />43 <br />Pa <br />g <br />e <br /> <br />3 <br />0 <br />9 <br /> <br />o <br />f <br /> <br />9 <br />0 <br />8