7 easy ways to start saving for Christmas

k9bmf 62DJ H2JD E@ DE2CE D2G:?8 7@C r9C:DE>2Dk^9bm

kAm%96 9@=:52JD 2C6 2 E:>6 E@ 46=63C2E6] xEVD 2 8C62E :562 E@ 8@ :?E@ E96 76DE:G6 D62D@? H:E9 2 A=2? E@ D2G6 2?5 DA6?5 J@FC >@?6J H:D6=J[ 2G@:5:?8 E96 ?665 7@C 563E C6=:67 ?6IE J62C]k^Am

kAm%96C6 2C6 A=6?EJ @7 H2JD E@ DE2CE D2G:?8 7@C r9C:DE>2D E9:D J62C E92E 5@?’E 3C:?8 @? k2 9C67lQ9EEADi^^HHH]7C665@>563EC6=:67]4@>^=62C?^A6CD@?2=\7:?2?46^:D\J@FC\7:?2?4:2=\DEC6DD\2E\2?\2==\E:>6\9:89^Qm7:?2?4:2= DEC6DDk^2m[ 2?5 E96C6’D ?@ E:>6 =:<6 E96 AC6D6?E E@ DE2CE[ k2 9C67lQ9EEADi^^HHH]7C665@>563EC6=:67]4@>^QmuC665@> s63E #6=:67k^2m 6IA=2:?D]k^Am

kAmkDEC@?8mz6J %2<62H2JDk^DEC@?8mik^Am

kF=mk=:ms64:56 9@H >F49 J@F H2?E E@ DA6?5 @? 9@=:52J 6IA6?D6D 2?5 @A6? 2 r9C:DE>2D D2G:?8D 244@F?E]k^=:mk=:m%CJ 2 D2G:?8D 492==6?86 E@ 7:?5 6IEC2 >@?6J]k^=:mk=:m%9:?< @FED:56 E96 3@I E@ 62C? >@C6 42D9 2?5 DE2CE J@FC D9@AA:?8 62C=J]k^=:mk^F=m

k9bm`] ~A6? 2 w:89\*:6=5 $2G:?8D p44@F?Ek^9bm

kAmx7 J@F 5@?’E 2=C625J 92G6 2 9:89\J:6=5 D2G:?8D 244@F?E[ 4@?D:56C E9:D J@FC D:8? E92E :E’D E:>6 E@ @A6? @?6] %96 9:896DE C2E6D 2C6 @7E6? @776C65 3J @?=:?6\@?=J 32?<D] *@F’== 86E E96 36?67:E @7 E@A\?@E49 >@3:=6 2AAD 2?5 E649?@=@8J E@ >@?:E@C 2?5 8C@H J@FC D2G:?8D]k^Am

kAm|2?J @7 E96D6 244@F?ED 2=D@ @776C E96 492?46 E@ 4C62E6 >F=E:A=6 DF3\244@F?ED[ D@ J@F 4@F=5 56D:8?2E6 @?6 @7 E96> J@FC @77:4:2= r9C:DE>2D $2G:?8D] (9:=6 J@F’C6 2E :E[ 4C62E6 @?6 7@C J@FC k2 9C67lQ9EEADi^^HHH]7C665@>563EC6=:67]4@>^563E\D@=FE:@?D^6>6C86?4J\7F?5D^Qm6>6C86?4J 7F?5k^2m[ E@@—2? 6>6C86?4J 7F?5 :D E96 8:7E J@F 8:G6 J@FCD6=7 E92E 96=AD J@F 2== J62C =@?8]k^Am

kAmw2G:?8 2 D6E A=246 E@ <66A J@FC r9C:DE>2D 42D9 D6A2C2E6 7C@> J@FC 4964<:?8 244@F?E 2?5 E96 C6DE @7 J@FC D2G:?8D >2<6D :E 62D:6C E@ D66 9@H >F49 J@F 92G6[ 2?5 2G@:5 244:56?E2==J DA6?5:?8 E96 >@?6J @? D@>6E9:?8 6=D6]k^Am

kAmpFE@>2E6 4@?EC:3FE:@?D E@ J@FC 9@=:52J 244@F?E W:E’D 8@@5 E@ 2:> 7@C 2 D6E 2>@F?E @? 2 H66<=J @C >@?E9=J 32D:DX] x7 D2G:?8 364@>6D 2FE@>2E:4[ J@F 5@?’E 92G6 E@ E9:?< 23@FE :E[ 2?5 42?’E 7@C86E E@ 255 >@?6J]k^Am

k9bma] rC62E6 2 w@=:52J $2G:?8D qF586Ek^9bm

kAms@ J@F <?@H 9@H >F49 J@F EJA:42==J DA6?5 @? E96 9@=:52JDn }@H :D E96 E:>6 E@ 56E6C>:?6 9@H >F49 J@F DA6?5 @? 8:7ED[ 7@@5[ EC2G6=[ 9@=:52J 24E:G:E:6D[ 2?5 564@C]k^Am

kAm%2<6 2 =@@< 2E J@FC 4C65:E 42C5 2?5 4964<:?8 244@F?E DE2E6>6?ED 7C@> =2DE J62C[ 2?5 ECJ E@ 4C62E6 2 32==A2C< 6DE:>2E6 @7 9@H >F49 J@F’== ?665 E@ D2G6 E@ 36 C625J 7@C r9C:DE>2D E9:D J62C] s:G:56 E92E 2>@F?E 3J E96 ?F>36C @7 H66<D @C >@?E9D J@F 92G6 E@ D2G6[ E@ 8:G6 J@FCD6=7 D>2==6C 2?5 >@C6 >2?28623=6 8@2=D E@ C6249]k^Am

kAmp=D@ 4@?D:56C E96 DE2E6 @7 J@FC 7:?2?46D :? E96 H2<6 @7 =2DE J62C’D 9@=:52J 9@@A=2—5:5 J@F H:?5 FA H:E9 4C65:E 42C5 563En x7 D@[ 5:2= 5@H? E96 A=2? E9:D J62C] x7 E92E’D ?@E A@DD:3=6[ @C J@F ;FDE 5@?’E H2?E E@ W2?5 E92E’D 72:CX[ E96 C6DE @7 E96D6 E:AD 4@F=5 96=A J@F :?4C62D6 E96 5@==2C 7:8FC6 :? J@FC r9C:DE>2D D2G:?8D 244@F?E 367@C6 E96 E:>6 4@>6D E@ DA6?5 :E]k^Am

k9bmb] %C:> *@FC $A6?5:?8 E@ uC66 &A r2D9k^9bm

kAmxD E92E k2 9C67lQ9EEADi^^HHH]7C665@>563EC6=:67]4@>^A6CD@?2=\7:?2?46^3F586E:?8\`_`^QmJ@FC 3F586Ek^2m 4@==64E:?8 5FDE @G6C E96C6n x7 J@F H2?E E@ k2 9C67lQ9EEADi^^HHH]7C665@>563EC6=:67]4@>^=62C?^A6CD@?2=\7:?2?46^5@\J@F\?665\E@\492?86\J@FC\DA6?5:?8\923:ED^Qm492?86 J@FC DA6?5:?8 923:EDk^2m E@ 96=A J@F DE2CE D2G:?8 7@C r9C:DE>2D[ J@F ?665 2 3F586E] %2<6 2 =@@< 2E J@FC 6I:DE:?8 3F586E[ @C D:E 5@H? E@ 4C62E6 @?6 :7 J@F’C6 4FCC6?E=J 8@:?8 H:E9@FE]k^Am

kAm~?46 J@F <?@H 9@H >F49 4@>6D :? 2?5 H96C6 J@FC >@?6J 8@6D 6G6CJ >@?E9[ J@F 42? =@@< 7@C A=246D E@ EC:> J@FC DA6?5:?8] w6C6 2C6 2 76H :562D E@ DE2CEik^Am

kF=mk=:mx7 J@F 62E @FE E9C66 E:>6D 2 H66<[ ECJ 4FEE:?8 324< E@ @?46 @C EH:46] xE’D 4=:496 E@ D2J “4@@< 2E 9@>6[” 3FE 5@:?8 D@ C62==J 42? D2G6 J@F >@?6J—A=FD :E’D 7F? E@ 6IA6C:>6?E H:E9 ?6H C64:A6D]k^=:mk=:mv@E 2 DEC62>:?8 DF3D4C:AE:@? J@F FD6 G6CJ =:89E=J @C ?@E 2E 2==n r2?46= :E—J@F AC@323=J H@?’E 6G6? >:DD :E] Wp?5 :7 J@F 5@[ J@F 42? C6DF3D4C:36]Xk^=:mk=:mx?DE625 @7 3FJ:?8 ?6H 4=@E96D[ 5:8 :?E@ J@FC 4=@D6E :? D62C49 @7 A:646D J@F >2J 92G6 7@C8@EE6? 23@FE] x7 J@F ?665 D@>6 7C6D9 =@@<D[ @C82?:K6 2 4=@E9:?8 DH2A H:E9 7C:6?5D]k^=:mk^F=m

k9bmc] %CJ 2 $2G:?8D r92==6?86k^9bm

kAm$2G:?8D 492==6?86D 2C6 2== @G6C D@4:2= >65:2] %FC?:?8 J@FC r9C:DE>2D D2G:?8D :?E@ 2 82>6 42? >2<6 E96 AC@46DD >@C6 7F?] w6C6 2C6 2 76H :562D E@ 4@?D:56C—2?5 J@F 42? C@FE6 E96 42D9 J@F D2G6 5:C64E=J :?E@ J@FC 9@=:52J 7F?5D 32?< 244@F?E]k^Am

kAmkDEC@?8m#@F?5\FA D2G:?8Dk^DEC@?8mk^Am

kAmtG6CJ E:>6 J@F DA6?5 >@?6J[ C@F?5 FA E@ E96 ?6IE H9@=6 5@==2C 2?5 EC2?D76C E96 5:776C6?46 E@ J@FC r9C:DE>2D D2G:?8D 244@F?E] x7 J@FC 8C@46CJ E23 4@>6D E@ Sh_]`a[ D6?5 S_]gg E@ J@FC D2G:?8D] $@>6 32?<D @776C C@F?5\FA D2G:?8D] (96? J@F C6D62C49 9:89\J:6=5 D2G:?8D 244@F?ED[ >2J36 J@F’== 7:?5 @?6 E92E @776CD E9:D A6C<]k^Am

kAmkDEC@?8myFDE 2 5@==2C 2 52Jk^DEC@?8mk^Am

kAm$2G:?8 S` A6C 52J D@F?5D 5646AE:G6=J D:>A=6[ 3FE :7 J@F 5@ :E 7@C 2 7F== J62C[ J@F’== 6?5 FA H:E9 Sbed] *@F 42? 4FDE@>:K6 E9:D E@ >66E J@FC ?665D[ E@@] $2J J@F 92G6 D:I >@?E9D E@ C6249 J@FC r9C:DE>2D D2G:?8D E2C86E @7 Sg__] x7 J@F 42? >2?286 E@ AFE 2D:56 23@FE Sc]d_ A6C 52J W@C 23@FE Sb` A6C H66<X @G6C E9@D6 D:I >@?E9D[ J@F’== C6249 J@FC 8@2=]k^Am

kAmkDEC@?8m}@\DA6?5 492==6?86k^DEC@?8mk^Am

kAmxE’D AC@323=J F?DFDE2:?23=6 E@ 4FE @FE 2== J@FC 5:D4C6E:@?2CJ DA6?5:?8 :? D6CG:46 @7 D2G:?8 7@C r9C:DE>2D[ 3FE J@F 42? 4FDE@>:K6 E9:D :562] %CJ 56D:8?2E:?8 @?6 @C EH@ H66<6?5D A6C >@?E9 2D “?@\DA6?5 H66<6?5D[” 2?5 G@H ?@E E@ DA6?5 @? 2?JE9:?8 3FE 6DD6?E:2= AFC492D6D] x?DE625 @7 DA6?5:?8 >@?6J @? 5:??6C @FE 2?5 2 >@G:6 H:E9 7C:6?5D[ 9@DE 2 A@E=F4< H96C6 6G6CJ@?6 3C:?8D 2 5:D9[ 2?5 E96? A:4< 2 >@G:6 7C@> 2 7C66 DEC62>:?8 D6CG:46 =:<6 %F3:]k^Am

k9bmd] %2<6 @? 2 $:56 wFDE=6k^9bm

kAm%96 36DE H2J E@ k2 9C67lQ9EEADi^^HHH]7C665@>563EC6=:67]4@>^=62C?^A6CD@?2=\7:?2?46^3@@DE\J@FC\9@=:52J\3F586E\H:E9\D62D@?2=\6>A=@J>6?E\7C@>\9@>6^Qm>2<6 6IEC2 >@?6Jk^2m :D E9C@F89 @AA@CEF?:E:6D E92E J@F 42? 7:E 62D:=J :?E@ J@FC D4965F=6] %96C6 2C6 2 76H H2JD E@ 5@ E9:D]k^Am

kAmkDEC@?8mpAA=J 7@C D62D@?2= ;@3Dk^DEC@?8mk^Am

kAm%96C6 2C6 A=6?EJ @7 C6E2:=6CD H9@ =@@< 7@C 6IEC2 DE277 >6>36CD 5FC:?8 3FDJ D62D@?D] *@F 4@F=5 DA6?5 ;FDE 2 76H 9@FCD H@C<:?8 6249 H66<6?5 E@ 3F:=5 FA J@FC 9@=:52J D2G:?8D 7F?5D] pC6 J@F BF2=:7:65 E@ 36 2 =:768F2C5 2E 2 A@@=n r@F=5 J@F DE24< 3@I6D :?E@ 2 56=:G6CJ ECF4<n {@@< 7@C D62D@?2= ;@3D E92E 2C6 4=@D6 E@ 9@>6[ 2?5 E92E J@F H@F=5 6?;@J 5@:?8 7@C 2 76H 9@FCD 2E 2 E:>6]k^Am

kAmkDEC@?8mr@?D:56C E96 8:8 64@?@>Jk^DEC@?8mk^Am

kAmx7 J@F H2?E >@C6 7=6I:3:=:EJ[ 2 8:8 ;@3 4@F=5 H@C< 36EE6C 7@C J@F] r@?D:56C 5C:G:?8 7@C 2 C:56\92:=:?8 @C 7@@5 56=:G6CJ 2AA 7@C 2 76H 9@FCD 6G6CJ H66<[ @C 9:C6 J@FCD6=7 @FE E@ 4=62? 9@FD6D @C 2DD6>3=6 7FC?:EFC6 @? %2D<#233:E] *@F 42? 2=D@ 7C66=2?46 FD:?8 2? 6I:DE:?8 D<:==] (C:E6CD[ 8C2A9:4 56D:8?6CD[ 2?5 6G6? A6E D:EE6CD 92G6 E96 @AA@CEF?:EJ E@ >2<6 6IEC2 42D9—25G6CE:D6 J@FC D6CG:46D @? {:?<65x?[ &AH@C<[ @C[ :? E96 42D6 @7 A6E D:EE:?8[ 4964< @FE E96 #@G6C 2AA]k^Am

kAmkDEC@?8m$6== J@FC DEF77k^DEC@?8mk^Am

kAmv6E C:5 @7 F?H2?E65 :E6>D :? J@FC 9@>6 2?5 EFC? E96> :?E@ 42D9 :7 J@F 42?] %9:D 42? H@C< 6DA64:2==J H6== :7 J@F D6== @=5 9@=:52J 564@C C:89E 367@C6 E96 9@=:52J] !6@A=6 =@G6 E@ D4@C6 2 8@@5 562=[ 2?5 J@F 5@F3=6 FA 3J 2=D@ 564=FEE6C:?8 J@FC A=246]k^Am

kAmx7 J@F’C6 86EE:?8 DE2CE65 62C=J WD2J[ :? E96 DF>>6CX[ 9@=5 2 J2C5 D2=6] $@>6 @7 J@FC ?6:893@CD >:89E 2=D@ 36 =@@<:?8 E@ 5@H?D:K6[ 2?5 :7 J@F 42? @C82?:K6 2 >F=E:\J2C5 D2=6 @? J@FC DEC66E[ J@F’== =:<6=J 5C2H :? >@C6 D9@AA6CD]k^Am

k9bme] v6E rC62E:G6k^9bm

kAm{:76’D E@@ D9@CE 7@C 3@C:?8 A=2?D] w6C6 2C6 2 76H 4C62E:G6 2?5 7F? :562D E92E 4@F=5 AFE 6IEC2 42D9 :? J@FC A@4<6E 7@C E96 9@=:52JD]k^Am

kAmkDEC@?8mq6 2 564@C2E@C 7@C 9:C6k^DEC@?8mk^Am

kAm{@G6 92?8:?8 =:89ED 2?5 D6EE:?8 FA :?5@@C 2?5 @FE5@@C 5:DA=2JDn p5G6CE:D6 J@FCD6=7 :? J@FC =@42= 2C62 2D 2 r9C:DE>2D 564@C2E@C 7@C 9:C6] x7 J@F’C6 4@>7@CE23=6 H@C<:?8 @? 2 =2556C 2?5 6?;@J DEC:<:?8 E96 32=2?46 36EH66? 76DE:G6 2?5 6J6\42E49:?8[ E9:D 4@F=5 36 E96 8:8 7@C J@F] *@F 4@F=5 DE@4<A:=6 D@>6 42D9 DE2CE:?8 C:89E 27E6C w2==@H66?[ =625:?8 C:89E FA E@ r9C:DE>2D]k^Am

kAmkDEC@?8m#6?E @FE J@FC =2?5 @C J@FC A@@=k^DEC@?8mk^Am

kAmx7 J@F =:G6 @FE :? E96 4@F?ECJ 2?5 92G6 2 76H 24C6D @7 =2?5[ 4@?D:56C =:DE:?8 :E @? w:A42>A] w:A42>A :D D@CE @7 =:<6 p:C3?3 7@C F?:BF6 DA@ED @? AC:G2E6 =2?5 H96C6 G:D:E@CD 4@F=5 42>A @FE] x7 J@F 5@?’E 92G6 2 3:8 AC@A6CEJ 3FE 5@ 92G6 2 DH:>>:?8 A@@=[ J@F 4@F=5 62C? D@>6 8C66? 3J C6?E:?8 :E @FE 3J E96 9@FC @? $H:>A=J] *@FC @H? ?6:893@CD >:89E 36 =@@<:?8 7@C 2 4@?G6?:6?E A=246 7@C E96:C <:5D’ DH:> =6DD@?D C:89E ?@H]k^Am

kAmkDEC@?8mv:G6 4@>A2?:6D 7665324< @? E96:C AC@5F4EDk^DEC@?8mk^Am

kAmx7 J@F 6?;@J E649?@=@8J 2?5 E6DE:?8 ?6H AC@5F4ED 2?5 H63D:E6 762EFC6D[ E96C6 2C6 4@>A2?:6D E92E H:== A2J 7@C J@FC D6CG:46D] *@F 42? D:8? FA H:E9 &D6C%6DE:?8 E@ 7:?5 E96>]k^Am

k9bmf] s@?’E (2:E &?E:= E96 {2DE |:?FE6k^9bm

kAmx? 255:E:@? E@ DE2CE:?8 E@ D2G6 7@C r9C:DE>2D 62C=J[ J@F 42? 2=D@ DE2CE J@FC D9@AA:?8 62C=J] %96C6 :D ?@ 36EE6C E:>6 E92? E96 AC6D6?E 7@C AC6D6?EDPk^Am

kAm$E2CE 3J >2<:?8 2 =:DE @7 AC@DA64E:G6 8:7ED 7@C =@G65 @?6D[ 2?5 D4@FE @FE D2=6D 2?5 k2 9C67lQ9EEADi^^HHH]7C665@>563EC6=:67]4@>^=62C?^A6CD@?2=\7:?2?46^4@FA@?:?8^Qm4@FA@?D E92E 4@F=5 D2G6 J@F >@?6Jk^2m] r@>A2C6 AC:46D 36EH66? C6E2:=6CD E@ 7:?5 E96 36DE 562= @? E96 :E6>D J@F H2?E] rC62E6 @?=:?6 H:D9 =:DED H:E9 p>2K@? @C tEDJ D@ J@F 42? <66A 2? 6J6 @? AC:46D @G6C E:>6]k^Am

kAmx? 255:E:@? E@ D2G:?8 >@?6J @? E96 8:7ED E96>D6=G6D[ D9@AA:?8 H6== 29625 @7 E96 9@=:52JD 4@F=5 2=D@ 96=A J@F D2G6 >@?6J @? D9:AA:?8 4@DED :7 J@F’C6 @C56C:?8 :E6>D @?=:?6] *@F 42? @AE 7@C E96 4962A6DE W2?5 D=@H6DEX D9:AA:?8 @AE:@? :7 J@F DE:== 92G6 A=6?EJ @7 E:>6 367@C6 E96 9@=:52J] qJ A=2??:?8 29625 2?5 86EE:?8 J@FC D9@AA:?8 @FE @7 E96 H2J 62C=J[ J@F 42? 3C62E96 62D:6C 2D H6 9625 :?E@ E96 9@=:52J D62D@?] *@F 42?’E AFE 2 AC:46 @? E92E 36?67:E]k^Am

kAm#625J E@ DE2CE D2G:?8 7@C r9C:DE>2Dn !:4< 2 A=246 7@C J@FC 42D9 W2 9:89\J:6=5 D2G:?8D 244@F?E C62==J :D E96 36DE A=246X[ EC:> DA6?5:?8[ :?4C62D6 J@FC :?4@>6[ 2?5 92G6 2 ;@==J E:>6 H:E9 :E]k^Am

k9bmuC6BF6?E=J pD<65 "F6DE:@?Dk^9bm

kAmkDEC@?8mw@H >F49 5@ A6@A=6 DA6?5 @? r9C:DE>2D 6IA6?D6Dnk^DEC@?8mk^Am

kAmp44@C5:?8 E@ E96 }2E:@?2= #6E2:= u656C2E:@? W}#uX[ a_ac H:?E6C 9@=:52J 6IA6?D6D H6C6 AC@;64E65 E@ C6249 Sh_a A6C A6CD@? @? 2G6C286] *@F 42? 46CE2:?=J DA6?5 =6DD E92? E9:D[ 6DA64:2==J :7 J@FC 9@=:52J 46=63C2E:@?D 5@?’E :?G@=G6 EC2G6= 2?5 J@F’C6 H:==:?8 E@ D6E 2 DEC:4E 3F586E 7@C 8:7ED[ 6?E6CE2:?>6?E 6IA6?D6D[ 2?5 9@=:52J 7@@5]k^Am

kAmkDEC@?8m$9@F=5 x FD6 2 4C65:E 42C5 7@C >J r9C:DE>2D D9@AA:?8nk^DEC@?8mk^Am

kAm~?=J FD6 2 4C65:E 42C5 7@C 9@=:52J 6IA6?D6D :7 J@F’C6 4@?7:56?E E92E J@F 42? A2J E96> @77 :? D9@CE @C56C W2?5 AC676C23=J 367@C6 :?E6C6DE 492C86D <:4< :?X] &D:?8 2 4C65:E 42C5 7@C 9@=:52J AFC492D6D 4@F=5 96=A J@F 62C? C6H2C5D =:<6 EC2G6= A@:?ED @C 42D9 324<[ 3FE :?E6C6DE 492C86D 4@F=5 BF:4<=J 4@DE >@C6 E92? E96 G2=F6 @7 E9@D6 36?67:ED] x7 J@F’C6 56G6=@A:?8 E96 923:E @7 DE:4<:?8 E@ J@FC 3F586E @C ;FDE H2?E E@ <66A E9:?8D D:>A=6[ D9@A H:E9 42D9 @C J@FC 563:E 42C5]k^Am

kAmkDEC@?8mw@H 42? x DA6?5 =6DD @? 8:7ED 7@C 7C:6?5D 2?5 72>:=Jnk^DEC@?8mk^Am

kAm%CJ @C82?:K:?8 2 $64C6E $2?E2 8:7E 6I492?86] tG6CJ@?6 A2CE:4:A2E:?8 5C2HD 2 ?2>6 @FE @7 2 92E[ 2?5 @?=J 3FJD 2 8:7E 7@C E92E A6CD@?] *@F 42? D6E =:>:ED 7@C 9@H >F49 >@?6J 42? 36 DA6?E[ 2?5 :7 6G6CJ@?6 @776CD 2 76H 8:7E :562D 7@C E96>D6=G6D 29625 @7 E:>6[ E9:D 42? 36 2? 62DJ H2J E@ DAC625 ;@J 2?5 D2G6 >@?6J]k^Am

kAmk2 9C67lQ9EEADi^^HHH]7C665@>563EC6=:67]4@>^=62C?^A6CD@?2=\7:?2?46^D2G:?8\7@C\49C:DE>2D^Qmk6>m%9:D DE@CJk^6>mk^2m k6>mH2D AC@5F465 3Jk^6>m k2 9C67lQ9EEADi^^HHH]7C665@>563EC6=:67]4@>^Qmk6>muC665@> s63E #6=:67k^6>mk^2m k6>m2?5 C6G:6H65 2?5 5:DEC:3FE65 3Jk^6>m k2 9C67lQ9EEADi^^9F3D]=2^"_b<=8$#_Q C6=lQ?@7@==@HQmk6>m$E24<6Ck^6>mk^2m]k^Am