אינדיקטור (hyb) בדירוגי מכשירים פיננסיים של בנקים וחברות ביטוח
אינדיקטור (hyb) בדירוגי מכשירים פיננסיים של בנקים וחברות ביטוח
החל מספטמבר 2015 מידרוג מוסיפה את האינדיקטור(hyb) לסימול הדירוג של מכשירים פיננסיים
היברידיים המונפקים על ידי בנקים וחברות ביטוח. בהתאם לתנאיהם, מכשירים היברידיים מאפשרים שמיטת תשלומי מתוכננים. בנוסף, ייתכן כי תנאיהם של מכשירים פיננסיים היברידיים יאפשרו ביצוע "מחיקות" של הקרן.
אינדיקטור 1(hyb) בדירוגי מכשירים פיננסיים של בנקים וחברות ביטוח
ד"ר אביגיל קוניקוב-ליבנה, קצינת אשראי ראשית
avigail.k@midroog.co.il
הקדמה
מטרת הוספת האינדיקטור (hyb)
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Z8TtbZjKapl1Eaqn1SdgZqJ+FjYfHmFJwRrBwV+SSnU/STULj8K9+6yuU76UC/1aTf5sqLajvVar81mpfIIxIggT4RaNCXL+KvzCh/fuRfEfWM+oxe8Fe8ir6ZnfBx3m595FG/3/ryONZW7fmcqrMaTav5hmtr+/0FGaj5uTC1FgG1wLVyvl6+9h5jMQ4QjBeIT1hnUa6SfmPLdWRynYGYCm0wVC3Wlc3Eql3fVG65BjxDAiRwZQTa9OWL+Ksqv+l/sBy9fCL/WYimrDv0keKNWfl83uE6rdpt1ZbPqTqbANH+skHTNmif/3/ti7LkzRPYvUP11/SbHAUku/lYTo2KNWLL/We7kTTTiQvSswTpyL4CzBZjBIssvV694svdIqAzvwjbz5fOXnYwUrklARI4N4HT+vJRfyUe/sQDZ4kZ8SwAtgmcF0rzuav8ZsW56XqP5b8xFuM57krXDOerso9O85GWpAodrVw1dlu0VUXdlXwqytVQNJ2qjrbOfaHq3tTFtaKVC8Rnb2spykyDIyDfnFk8YNui0x+DIf4LDjEwJX7RMcd1TNiVnT8ntyszleqQwE0QGLK/uokG7NhI5ePRfnChY304otYxUIpTBOTbPmvSIAESIIHrJ0B/df1tdMsaco3aLbc+bScBEiABEiABErhqAgzUrrp5qBwJkAAJkAAJkMAtE+AatVtufdpOAiRAAiRAAiRw1QQ4onbVzUPlSIAESIAESIAEbpkAA7Vbbn3aTgIkQAIkQAIkcNUEGKhddfNQORIgARIgARIggVsmwEDtlluftpMACZAACZAACVw1AQZqV908VI4ESIAESIAESOCWCTBQu+XWp+0kQAIkQAIkQAJXTYCB2lU3D5UjARIgARIgARK4ZQIM1G659Wk7CZAACZAACZDAVRNgoHbVzXOFyu3mCIIA890V6kaVSIAESKCPBPruV/uu/5VfMwzUrryBqB4JkAAJkAAJkMDtEmCgdrttT8tJgARIgAQcAofVBMFkhQMOWE0CTFYHJwcPSeCyBBioXZb3ddUmhqulQ7LUOqwwcdNEPmeuczML5BSomAa1/zKntsM8mMM7QyrqKDtnVCnUKZymT56oZ4K8LxV5nTSnzt3cliVkKDsy/Y0inm1dbqKorNdm5OjlEc8kEiCB7gg06+sHfLzFCJ8fMTp84C0GHu5GAJr5Mxnspb6xfp8/6lcdP+ZS2s2Ly1JEmvHRfv/Wzoei4KOBo/q7CkuumX5Gz3Rr34uE7faxkeXRQ/ld28ebzGrr42TnsJmluhTuM6ZE2b1JnW97LRjpcpvwd7ME9sswAaJkaxHwpW0jZPm2UQKI45K/SEvbL5NQ5DHHhTrCZLm3Ep3dXJ3JNoly9dk663N2PVpHO0nZpetMbQiTMDxih6OXOPQxKqbtk2WZbG2LrZ+nGiaRAAmcSqBpX5d+y/YT2tfU9meur7L8S7hMSl1eqqeV3/Z5qbMwfsXjP7WOoXGsFTLTPJJvCx+aJEnOR1fUJe8Vqf5Ogx4rZ92f6vjYzK4GnByVksL9ptgmWT1ue3vuTXY7mv2qa6GgT5JwRC0XtvLgKIHpGkmSFP+2kSwaPU2ViNEjnkMA/77hThzsv2IAD5APqkcrFBmmWJs6ZT0bvKdDdWPcO/Ucvv8BCHE/NsLVU3Ja53SN/VIUivHw6tqyhzy1+eOM0hlZdbcjvHy6svXxfglR+yYzoq5Q5iMBEmhCoGlf338hjl7xMgJ27xuEy9+QHq22P7N8lfFZSaL8TbzAf6nfcoyo61ch/MoWEWIsfonp2ex3+HiD9KzGsZbIFC40Xvyy/FsLH5pVq/ZK6hLRnPil94U65bR/jLbCX64Vf7ecPLZ9rPLb8duHZtKAU0G2vw3NfS/Pz8pbuDdZ55pcCwV9AAZqHihMakrggNWfDRAu8VvHacAIjyJSi9/wYXsTIzq8RxpHmbRW2xHuHkTM9YW9Ll8MBPeQsWH0lHb6kSzkq3CEl1fhXGJ8GYG+bKekje4gVOaPBEjg/ASa9PXdO7BdCye2wzu2+BQRm/yd5s9Gj8/y4ayZtT6/KiRMsVbRAsbWkhTl9yKYZ+WyuqZPKnjKzrfzoVn5sr0y/cvyn5JetOFUTmXaFPmV5fSnt7kWGKj5WTK1CQG9lkOu67DKKQcZ4y0XqR0gB7ysfKfujtWQGr5lQKjlW0EZDt+QY2zZENupVbI8CZDAAAlM12YEZ4q1DNgyIy/lz9IaS/yqPG9GCjcz/amkHd7ls7IeAUyF1Ns5iw+t0r+eWqfn6piTUEjN2DSZETrdDAZqpzO8eQlqyD3E86N5+tRIpk+QY1O5oSk9uvVwByd3a475J2YlP7SDMjGdISZbzZRA65oaFhSLXI+9NNFQJLOTAAn8EIEL+TNjXalfle8oTTB+e8YyEgv4J5hMZthE9gigkVJvew4fWqV/Pa1OzyUW8rfiJF/a8L0EssN/i1jM5aazM6dreVwCA7XjjG4+x3RdtVZAr/8Kn+HGaWLoWY6yb96ztz9rjm5V1+k0yfgeoZyqFG/fzLBBhNd0ykKtNcmvWXPKn+lQPXmdSTjFkgAJXJhAe3/WXNEKv3pY4dciRvT6gpe1Wq8Wx5Gesm1ekyzRwodW++gK/Vuq2LjYCZzMej+3zsPqDzYIsczW+LhZznLMQO0sWG9I6O4/iAcMd9rTEFDz+f/0tCRwlqcsveZrM/sF/HWDSj0V6g0kjZbn2ao1I+eRTakkQAKXJ3ARfybMqvCrxoeqSYMp1nLx/QYza71aYzJd+9AK/RvrVquAmvq1s3bPyYymqZdN7LrOvc9A7dyEBy5fvBkFZwQrZ7J8UtMp+gknXP6Vb1Xl8p10oN9a0m9r5UW1nWq13xrNS+QRCZDAkAg06OsX8WdmFiA/M6CIe0aqRi/4K15V38xO+Dhvtz706H2hy8tHTlO+i9uQ9euekxpNq3iD1aq9610Gal0TvSl5+immar5evtYeYzEOEIwXiE9YR1GOVr+R5Toq2YHFVGiDoWqxrmwmVuX6pnLLNeAZEiCBnhFo09cv4s+q/Kr/wXP08on8ZyOatkWHPlS8MSuf38+/jkt+mFbeV57wlDO5a04m8LO/bJCr8KwHDNTOinfgwnfvUP0x/SZHweDdfCynRsUaseU+QeK8SVUo4EuQi/L116tFEOX5ZY5qnH6FWwaGst7PIyN42f9MIIM0RNh+vnT2soNHXSaRAAn8CIHT+vpRfyYfDj1f2hfBhPh24qz4PwcUMFT51Ypz07X4lph4KC7/In+hLivhNB9qCarQ0cp1+u5uDvlMvdwX7ysVOrTipKdyxbrA3EtwVfemLq4FTSkQH8E9nRgl9JGAfCNm8YBt5UcF21kmnnRMTCU+XNgmPmtX8/lLnZPb+bVnDSRAAk0JDNmfNWVxC/mVjweW+2MP+Zeh8b/LVMNabo2AfCNofWtW014SIIEhEqA/G2Kr9scmTn32p62oKQmQAAmQAAmQwI0RYKB2Yw1Oc0mABEiABEiABPpDgGvU+tNW1JQESIAESIAESODGCHBE7cYanOaSAAmQAAmQAAn0hwADtf60FTUlARIgARIgARK4MQIM1G6swWkuCZAACZAACZBAfwgwUOtPW1FTEiABEiABEiCBGyPAQO3GGpzmkgAJkAAJkAAJ9IcAA7X+tBU1JQESIAESIAESuDECDNRurMFpLgmQAAmQAAmQQH8IMFDrT1tRUxIgARIgARIggRsjwEDtxhqc5pIACZAACZAACfSHAAO1/rQVNSUBEiABErgUgd0cQRBgvrtUhR3X03f9O8bRZ3EM1PrcetSdBEiABEiABEhg0AQYqA26eWkcCZAACfSfwGE1QTBZ4YADVpMAk9Wh/0bRAhKoSYCBWk1QzNaSgBh+z80dCEc7h3c24bDCRDpjU9cO82CCvE8W5Z00US7QMu19I8ba7ubFqQyRJqY4xF+tG4CwKacngILuulKpTyY/KNhjKcddErgRAru57QNEP6/qfwd8vMUInx8xOnzgLQYe7kYARDlbjgXP4wdksKfradIPNzO7/2b7qa/w1GVpgnY+p4XvE5UW/C1wVH9bWbMvbMr5bSG6zD828elKjvG32dbx6UaPdKsCdJM/ZZ+e1zs5+7PrypTLbV0fbsmy7wlZmTIdK+yXt4ZJen9pct1Z6gAJfyRwRgLbCAkQJVtZxzaJII7Nn0lXCuyXoZVXpOn8kSqtRESyvJ2kyoXJci9y7JNlKOSbYyVb/rtfJiGQhCpjkmyVrEwfo5eVxypudot6JkkxzeiRyXTrsW0wsrklgcETSPtdmISyr3r6iN05ZL/V/VmW1X5D92fYeTW8vE9w/Y5VX7hMpNvwQU/1tPKnvgtJVq/p6136nDa+T7g0oavmU1v/ovF5f1bklyF3z9X06TZHZz/1z1Itw9bfBpkeyoZG9htOBfNdm4p1Zzq6eW373XOWnKrrrqBPkjBQ80BhUncEch3HFqudiN3R8s5BZNad1Lqo8w7YypPrdLqDWOVkThkIIrHrtFUy+0pnj9PVGYp6+gI1I82zrbjBeHIziQQGR0D1IV9fNDdmq/8JX6E7reib2U2y6B8MqFK/YzII71LTH1hF1K7Hd6UPlZ35nKJtdXxfHbvNA2qVH/T5OG28eth27JTnPFzK5RSoahEimHHaHlXXiR0YOYGqrwrte6ts9xWz00rvDx777XJmv811x6nP3PgiD66LwAh3DwDiL+y1YvuvGMAD5MyHTNtDJkVPmKbKT7HeRkC8wNgavldlIzxlGdMS9s70KbIPu98f3UGYxR8J3CqBkezYPutHeHkV/S/Gl+70u3dguxaddod3bPH5IqY9xW+Ex+cQiN/w4VuyFt5jrHP6NqPHZ4S+E5VpB6z+bIBwid85P9K1z2nr+yqVFxNxJfofK2fOT3FO9+j63t37BoDPZ5vr5B++fW1v1D3D1tWxaRVtrjsGak0pM/9FCYzvhSs1nfGA73+i31pB2eEbIim8d1zydI39MhQLNPTr9TuIPh8uf1sB3UVNYWUkQAItCEzXa91np1jLgC0TogK+GG+5SE37iSxbd3t6jZxcL+dK7djntPZ9rl72cZX+dr4f2j9IB28/iEvnXhFwZwH9pVT26njmyhmonRkwxZ9GIP/krUbPckHZ/gtyjC0bYpMVioXD47dnLCMRq00wmcywieyn8dP0qlVaLGwtW+xcSwAzkQAJVBKYPkGOv5nhN5lZj7I/3MGMvVXKaHDy8PGGGCGeH4uSu/Y5bX1flTlV+leV6/ScfPnCtzB/h/8WsfUgfsaA+5hBtXU8Jqib8wzUuuFIKSUEpmuxDtI8EZdkqkoe3yOU0yDizZoZNojwmk59AGpoPERuQO2wwq9FjOj1BS/rLSLEiONIT59UVdbtOfXk1a1MSiMBErAJ6Km4zXv2JnnZKLtdrNW+evsU4TMKcdo5fE4L31ftbyv0b8WjXSEVLBbLHlZ/sEGIZX5OuZixIqXa/oqCzqlz6uhUVeuQgVotTMz0YwT0eq7N7Bfw1w369BOX4zjNU6MK3qZY75cIscHMWq92CXvUmrhL1MQ6SOB2Cag1Q2Z5BGD6v2/U6yRKu/8gBnx8056mzk59TgvfV2lfhf6V5S5y0oymvSJ7Di+u0yuq4jykFzN0mOLTsUPxFaIYqFXA4alrIDCGXKYW2R3Y6OWb4vA8NY5e8FevVyv9/o4RyS0JkMAVEGhwA5YjT1plPbIVLv9aN/xuzDEL2+0RfSX5XD6nqe+rtrNc/+py+bPnmY5Uo2li1jP3hgby6/Tymih7nPVs+SydHpXp2GklJcIYqJWAYfK1ENBvdm1m+Y/RyjUEYirUHSr3BW/A6OUT6kXQX84HdK/FTupBAiQgP9g6E2/9eKYXy/CMHvEcxliMAwTjBeKzrEVVLyPlXmRK9TmXz2nq+1KFPDtV+nuye5PE8pOxHFUUy0qKq/S8hWokmkDXfZMWUG9IirbNr2kTH6SVl8nFXg4r17GGgSdn+d/JEiiABOoSEIvrRRZyTWkAACAASURBVO9q+JNB1leA2WKMYGEXDrHcf+afnHfvkC90O09motR0vcfy3xiL8Rx3p6ybs1XgPgmQwIkExBfkxUOX+UXYftYPBHZzFTxAPLS5/kCIFA91IoAz4p1tPAuAbQLnhdJ8rgq/gopzp/qcRr4vr3H+qELHfEb7aINZkLWKORMu9xmrlj7dyJJbPSUbbT1tPnrB5x6y/UQgbrt/oUf2qZacxO4PynSssr+L605bEoiPsHVvFSWSwHAJyLe7Fg/YMtgbbiPTsqsnYEZVhKLRsUDr6q25HQWV/4Q/qL4SDNemI0fUruTCoBokQAIkQAL1Ccg3/Nb18zMnCfSVANeo9bXlqDcJkAAJkAAJkMDgCTBQG3wT00ASIAESIAESIIG+EuAatb62HPUmARIgARIgARIYPAGOqA2+iWkgCZAACZAACZBAXwkwUOtry1FvEiABEiABEiCBwRNgoDb4JqaBJEACJEACJEACfSXAQK2vLUe9SYAESIAESIAEBk+Agdrgm5gGkgAJkAAJkAAJ9JUAA7W+thz1JgESIAESIAESGDwBBmqDb2IaSAIkQAIkQAIk0FcCDNT62nLUmwRIgARIgARIYPAEGKgNvolpIAmQAAmQAAmQQF8JMFDra8v9lN67OYIgwHz3UwqwXhIggVICfe+ffde/tGEGcIJt82ONyEDtx9CzYhIgARIgARIgARKoJsBArZoPz5IACZBAawKH1QTBZIUDDlhNAkxWh9ayWJAESOA2CTBQu812V1aLoWx5E7EgHFaYuGkinzPXuZkFcgpUTIPaf9mNaId5MId3hlTUUXbOqFKoU9zofPJEPRPk738ir5Pm1Lmb27KEDGVHpr9RxLOty00UlfXajBy9POKZdL0Eml03B3y8xQifHzE6fOAtBh7uRgCa9Q0Z7KX9rN71c7R/Ov3BJb6bF5c3iDTT1/39pF1fRKGvA0f1Lypcw5e10O8snLTybXyDw6rZ9aj9ke3fW9hXr23K/LW4/Iv3k9rXeBtmGrd9/ZrrOCjcO8yFVaG/xDhJ+0K5jA79f8LfzRLYL8MEiJKtRcCXto2Q5dtGCSCOS/4iLW2/TEKRxxwX6giT5d5KdHZzdSbbJMrVZ+usz9n1aB3tJGWXrjO1IUzC8Igdjl7i0MeomLZPlmWytS22fp5qmHRtBJpeN7IP2Necvm5r9w33ureu1XCZeLtPqqOV1+476UVnrk9PP9T6haaDVshM88i2atEXkyTJ9fWKuqTPSfXPXxzF/ufrp230OwcnI7OkjYCkxMwSVvX9WJGT0eW06yDfNu51a/trp70Lvt1ikrvGjZ7Wefu6rmCmrhRXp6Kc7Fp289r6u+csOZ3qm7++kT/k0S0RKHZan3NzO1YJIe1gMwejO1bu4lVlc465VJzoAHYH0Rlr1KPssh2P6eSZPJXH5xBNXrt8Xsm63PKlrKOKG7WVi7tXSKDRdSOuVd0hxDWf3QhO6xvlOlQAK/QbkVffdJw+Wle+6sd2PynapWR58lh9u44/SLz6Z/aqerL+Lc4U09rp1z2nTO/C3hHf4LIqbyu/HysyERqcdh1Uto2n3VwbCgzStvP5Z0/uI8w8JQpJxWtZZ/HoXyh8AX059WlGOrk9gcABqz8bIFzi99SIGeHxOQTiN3z4luWE9xibrCdtR7h7ABB/Ya/l7L9iAA+Qs0wybQ+ZFD3BqDeShXwVj/DyGgmB+DICfdlOSRvdQajMX/8INLludu/Adi2uuB3escXni5j2FL/T+sbo8RmhllRv4+ufouQU620ExAuMraUNqv9EeDKdpaSS6ZPoJ/avXV+0Jfj3y/T35y5Pbatf15zKNURD39Dkeiyv9RT7umqbvHaNrvGGzPI1qaPitezLVZ52bn0ZqJWz55m6BPT6G7kWxyqjnEiMt1ykdsD3PytTB7vje3Hb+odvGRBq+VZQhsM3RJXhfTehYQcqU8QNEJiu1/rBYIq1DNgyoy/VN2SNJf1TnpuusV+GYlGY/uTODu/ymet3+lCTaX187yx9sUr/4yrlcrTWr2NOOaWu4aCtfR22zU9iOMibkv1w/5PaFOtmoFZkwpSGBA4fb4gR4vnRjBhoAdMnyLGp3NCUHt16uIOTu2GtWfb8U6WSnwvK9l+QY2zZEFtW+Jx7YtHssZcmzlk/ZV8vgQv1DQGgtH/qRdHjt2csIxGrTTCZzLCJ7NG/ZgjP0Rer9G+mHdBWP7HYvUtOckH9FfmGtvZ12TZH2/JUfypfRPC9jLPDf4sYsB/ujypTI8Op+lpVMFCzYHDXT2C6TpAkZnTAzaPebEP4DDdOE1MrcnZk8569/VlzdKu6TkeH8T1COVUp3tSZYYMIr+k0E7ATQwQIcekBNfWU5ujKQxKQBNr3jWYAK/rnYYVfixjR6wte1ltEiBHHkZ6ubVZLmrtFX6zu6xX6p5U22Gmhn3hzu2tObX1DNasGHOysre1r1zZtbWjLzJiqgkpzlG0Pqz/YIMQyW7eTnTxh71R97aoZqNk0uN+cwO4/iIcRd9rTCFJz/2Zasvrp3pRpvNVrFDazX8BfN6jUU6HeQLJxTY0KqLU+jYow8w0RuEjfqOifZjREPcBMsd4vEWKDmbVerXFzdN0XK/RvrJso0EK/c3C6Jt/Q2r6u2+ZIg56HmRlNe4X1bH9Ek3qnu9SXgVo95sxVQkCNVuVHsHJZ5ROsTtFPbuHyb8edYgy5TC3ydba2U62XH4HLceNBTwk0uG4u0DfK+6dnNGT0gr96vZr/O2l1mqTbvliufx1dfHma6ncuTj7dzpF27Hpsb1/3bXMO+6tlqtE0Met55M2ZajFnP8tA7eyIh1yBWnhcObc/esRzGGMxDhCMF4hPWP9STlK/RbeZ5b/8LtckiKnQBsPaYl3BTKym9k3llmvAMzdOoM11c/a+UdU//Q8wo5dPqBdBfzkfka7bvh32RfG2rFi10Onaoab6nYtTXZ4t89W+Htvad462aWlr62ImSLW/VtBa2FkL/u+s0il82AR271B+tPxpZDcfy6lRsUZsuf9sN5JmnE4FTXmD+QowW4wRLOyMdeoVXywXAZ35Rdh+vnT2soORyu3QCJx23RztG+JBQzzclGCLZwGwTeC8UJrlruqfFeem6z2W/8ZYjOe4K12bmlXj7p3WFy1pFTpauRrvNtKvQodTOTVW/GiBFtdjW/sqyskXJcTDbp3fqdd4nTrK8uip22jr+Pqq+80P6RuIj7eV2cH0YROQb/osHrBt4YyPkRH/XYfpq1HVzeSYoCs8f05uV2guVeqYwJD7Rseoaotjn6yN6mYzqmsE7QcMfpAcR9R+EP6Qq5Zv9qyHbCFtI4F2BNg32nFjKRK4VQJco3arLU+7SYAESIAESIAErp4AA7WrbyIqSAIkQAIkQAIkcKsEuEbtVluedpMACZAACZAACVw9AY6oXX0TUUESIAESIAESIIFbJcBA7VZbnnaTAAmQAAmQAAlcPQEGalffRFSQBEiABEiABEjgVgkwULvVlqfdJEACJEACJEACV0+AgdrVNxEVJAESIAESIAESuFUCDNRuteVpNwmQAAmQAAmQwNUTYKB29U1EBUmABEiABEiABG6VAAO1W2152k0CJEACJEACJHD1BBioXX0TUUESIAESIAESuDCB3RxBEGC+u3C9P1VdXXvr5uvQDgZqHcKkKBIgARIgARIgARLokgADtS5pUhYJkAAJkECvCBxWEwSTFQ44YDUJMFkdeqU/lR0+AQZqw2/jIxYq5ySGuCuHuQ8rTKQz84gT53T5chminjlqj6KL4eXcmHtZ+R3mwQR53yryOmlSx6z+3TzbB4QMZX8tJy10c1mU8XHYBAVdPTyZRAIk0JpAs759wMdbjPD5EaPDB95i4OFuBOUTbB9hqeP4EnFGBnupD3R8j1XUu+v4iJzbMwV8/kWkOZl385JAs+BP6+u8mSnfaO4RZlvLVzq2Vfk/oXsd2Y1YO/U7uAzd3LauvXXz2frWYpbTRh8k/N0kgf0yTABU/IXJcp+hUfmjZJslJcdkhKmAbRLl6srLsUSmu9tI6GbyVZXX5yJLs20k7bKTlK7aJn0eCJMwLGFgF061UjvlLIy+It8+WZbJ1iwqqnBq5CEJkEAtAk379n6ZhLD9gu7DMh0JPJ0050sS1zdZ/iRcJpYLLahf338m2tfa/sVNK+phq17tT0t0Tlla520/bldQtK6+/6uoJ7uHiAqKNqb3MId1E7ap6hV6yHqMvXXzVelrZKWVV+9wRM0Xvd5A2ujlE8k2kpZG2wRJYv3tlwgR4+2jzhRAhK1dVu7vsQyB+O0DSsIUa5NH1rnBe+2hNaFiVfkx7kMA/751XcDh+x+AEPdj05DqqRl4gHxYnq6xFwoixsOrZbelOzZ/nFE6I6vudoSXT1e2PpZ8gU0zCHUrZj4SuF0CTfv2/gtx9IqXEbB73yBc/sZU0Bs94tnxKwbq/itG6kts32R8XJIo/xIv8N9RP1fHf5qaq7aWj0y2EJ5980dM5/p+dt7MR0mfaOs8XefvC8Y+c994kqR8FQiA9f1fST2imnjxy/LDNfVONWrItkSP9D5p7K2br+TaULfAZvcXBmppo3InJTC6w4MIY772aVKznRHulAC0lVC/vmJdeUcqJO0hfWv0pJywcCNSQV8tI7y8CjcXo7X5PrF2muZrJ3GfBEigGwJN+vbuHdiuRcCxwzu2+BQRm/yN8CgitfgN3ufV8B7pc6BH7dHjM0Sc1+5X9GnN5EzxpJ7BGxWrp/MBqz8bIFzid1WcVlVzTf83rWlEPb2NQk3Z1rW3bj5g+lsNhDS5vzBQM+3HbW8JjNWQGr7l4+MBckDNCspw+IYcY8uG2HprKxUnARLojsB0vdYPb1OsZcCWyVYBnzuzoP1Llu229vQ6Prmm7xYsr2tv3XwWs3/qhmWllO8yUCtnwzM9IZB/glajZ6EdlInpDTFZIec9L2iU/N5OyYLkC6rBqkiABFoQmD7JKcT8zIIenX+4gxl7ayG5t0UOH2+IEeL5sYb1A/B/de2tm69twzNQa0uO5c5KYLoWayfM0+6Rqsb3ck3d11687TnDBhFe0ykMtfYkv2btiLyOTqu1ch0JoxgSIIELE9BTiJv37G31no7ON/KnpZT1Wt/wGXXitP77v7r21s1XCvboCQZqRxExw9UT0GseNrNfwF83wNNTFTWdS5e2qrVyXUqkLBIggUsSUOuk/ullFcC5R04uaVvjunb/YRFDfcqkRuHe+7+69tbNV4NZWRYGamVkmN4jAvrNT/32Vl7xtlMV9lujeYk8IgES6DOBBn1bjtZrWw8r/FrECJd/5Vui10vgPOvoxFuxcGYrrpfB6ZrVtbduvlQjuRSn5vSxLsRALaXHnf4S0G9obWb5r4rLjx2KqdAQy7qvKIl1FTPxVlO94f3+MqPmJHBjBNr0bfmZjhiLcYBgvEAc2W+GXiM/sfxjLEe+oteXDtfR7aDitOzN+Wu0vjud6tpblW+HufOFXflR3xb3l/91Zxgl9YWA+FLyWIxhX+pnHGTb+mqUF9+F234FmC3GCBZ2RSGW+88jT8DifyYQAZ35Rdh+dunkjFxuSYAELkvgtL69m6ugR6xx9foR8TAoArgSo+JZAGwTOC+UluRuk7zBLMg8l5EQLvfldbbRefcu/WNkviVmKrrkto3ebfWra++xfJsZCs0TLrFveH8JxPdw29rCciRwiwRUoPuAbd2XHW4REm0mgR4TECMfYuBD/MQHwc8XaPUYElW/GAGOqF0MNSsiARIgARLoAwH5luS6D5pSx1sgwDVqt9DKtJEESIAESIAESKCXBBio9bLZqDQJkAAJkAAJkMAtEOAatVtoZdpIAiRAAiRAAiTQSwIcUetls1FpEiABEiABEiCBWyDAQO0WWpk2kgAJkAAJkAAJ9JIAA7VeNhuVJgESIAESIAESuAUCDNRuoZVpIwmQAAmQAAmQQC8JMFDrZbNRaRIgARIgARIggVsgwEDtFlqZNpIACZAACZAACfSSAAO1XjYblSYBEiABEiABErgFAgzUbqGVaSMJkAAJkAAJkEAvCTBQ62WzUWkSIAESIAESIIFbIMBA7RZamTaSAAmQAAmQQBMCuzmCIMB816RQj/PWtbduvg5RMFDrECZFkQAJkAAJkAAJkECXBBiodUmTskiABEiABHpF4LCaIJiscMABq0mAyerQK/2p7PAJMFAbUBtLhxMEcrg6CCYo8zd2viqntJsbWRXO67DCRDq5DORuPkc2Wr7DXOtUVVdWWu+J4eXcmLtworZcU0LId20VeZ00oWeQlT9JR6GbYzM8HKSGst6MY1W7GIu4JQESaE+gWd8+4OMtRvj8iNHhA28x8HA3AiD8SuYvcto4vkScs31q4z7u+Iic2zMV+/yLSHMyC5/t9bMFf1pf583M9l/Zvrceo6/ZOrZVsal1v2nK2qnfwWW0zG3r2ls3n31t1GKW00YfJPwNgMA2iYAEvr9wmexTCyvyRds0V7KN/LKAJFxm0kSB/TJMgChJS6dlwyQMS3Sy68pqze1tI1HWyHX1NumiiD5ny9Q62ElKzzCR6p+oY8FmH4dknyzL7NftZOuXM54HJEAC7Qg07dv7ZRLC9gvat8h0JPB00pwvMf7nqO8tmqPklPhIx9ce9zmuj0Riq17tTy0d7PtFytI6b9tpV1Awr4H/q6gnf78p2pje82y9U39corfDNlW9Qg9Zj7G3br6qa8PISiuv3kH1aZ7tMwHjCI5dE6oTa2dVYbAvX7kDyTsKJdZ03rp12QGZVkx3kswmLdPqqEonuw5TbyavnI3Ja5fPQym3OZOfL+EcVdwEnJw8JAESaEigUd8W/kQ7E+HfssCg6FeMGvmgx6Tmt+U6ZPl8fkSdLdbty+tLU+V1QGP5xK50lvILPjizqdZeTf/nu9/45PtYl7MpsvXJzKXVtbdmvrp22Tpw6tM3zDiQtNHjM8Iatkx/LxEixte+OvP0KarOoM+O7h5K8o3w8ipkHK+rRIAneQRZXfwFo/7+KwbwADmDIUvsIZOiJ0y1hMvq6Kg9ukMZIScnD0mABBoSaNK3d+/Adi28wg7v2OLzRUx7it8Ij88hEL/hw7dkLbzHWOf0ber6Xl9ZUbfr0/z5ylKnqOmqcwLq6XzA6s8GCJf4bZxpTkqNg5r+r/b9puZ9TmnWlG1de+vmA+reb22SDNRsGje+/+/b55GuH8r4XoSj/6DUP+D7HwArKMPhGyIpvK9yrddvJzUkARLolsB0vdYPb1OsZcCWyVcBX4y3XKSm/UuW7bb29Do+uabvFiyva2/dfBazJvdbBmoWOO72k0D+CVqNnuWCsv0X5BhbNsR2GUPl93ZKFiRfRgPWQgIk0JbA9Aly/D831aBH5x/uYMbe2orvY7nDxxtihHh+rGH9APxfXXvr5mvb5gzU2pJjubMSmK4TJIl52j1S1fheT92Ktz1n2CDCazqFAezeN2I8DZceUDvIob0juvM0CZDAlRLQU4ib9+wt9p6Ozjfyp6Wtod6QRfiMOnFa//1fXXvr5isFe/QEA7WjiJjh6gnoNQ+b2S/grxvg6amKms6lS1vVWrkuJVIWCZDAJQmodVJmWQVw7pGTS9rWuK7df1jEUJ8yqVG49/6vrr1189VgVpaFgVoZmVtKl1ODNYezO+HS9ejWGHKZWvQKayBNa9p2qqJrHTsBRyEkQAInE2jQt+Vova7wsMKvRYxw+dfjZ05WqkMB51lHp2Ym8rMVHSp9daLq2ls3X2pgi/stA7WU3i3s7DB3vvgnPzI4E2/x1BvOPomSWLNwlrr0G1qbWf5jj/Jjh2IqNMSy7itKZ9PxJHIsTAIkcCqBNn179IjnMMZiHCAYLxBH9puhpyp0jvJi+cdYjnxFry8drqPbQa4gsV/SOof6VyOzrr1V+bq73/7varhQkfYEREAinEiJhHgWANsE8qWmzQyBWLJl/8Il9p9ddmpbuPjCtwiWzC/CtmldxsEaEZ7t6OUT268As8UYwcLOEGK5/zzyBNyBjnaV3CcBErgSAqf17d1cBT1ijavXjzTxvWchssGs4NDF1zP2yt/76myj8+5d+vDoqe03OXyKNExro3fDKtLsde09lq+j+20gPqqWKscdEiCBowTEfwkyXjxgW/dlh6MSmYEESOCaCIiZBjH4L36Reci9JgWpy00R4IjaTTU3jSUBEiABEjhGQL4luT6Wi+dJ4DIEuEbtMpxZCwmQAAmQAAmQAAk0JsBArTEyFiABEiABEiABEiCByxDgGrXLcGYtJEACJEACJEACJNCYAEfUGiNjARIgARIgARIgARK4DAEGapfhzFpIgARIgARIgARIoDEBBmqNkbEACZAACZAACZAACVyGAAO1y3BmLSRAAiRAAiRAAiTQmAADtcbIWIAESIAESIAESIAELkOAgdplOLMWEiABEiABEiABEmhMgIFaY2QsQAIkQAIkQAIkQAKXIcBA7TKcWQsJkAAJkAAJkAAJNCbAQK0xMhYgARIgARIgARIggcsQYKB2Gc6shQRIgARIgARIgAQaE2Cg1hgZC5AACZAACVySwGE1QTBZ4YADVpMAk9XhktWzLhL4UQIM1H4U/zVUrhxfEAQQf/NdiU6HFSbSUXrOi3O6fLkMUc8cZeILUndzBDllysrvMA8myPttkddJkzpm9e/m2T4gZCj7a90AhG4uizI+DpugoGvBciaQwOAJNOt/B3y8xQifHzE6fOAtBh7uRlD91u7HFjanv4szMthL/ZTjH6yi3l2nH+dckyng8wEizcm8m5cEmgWfd6LOUq/MtwnfXOrfPHXL4nXtrmtjzXZodn2YBrC2jt5Vfle0h7n/lfLxta18aPBffyfrb5kidxP+bpLAfhkmACr+wmS5z9Co/FGyzZKSYzLCVMA2iXJ15eVYItPdbSR0M/mqyutzkaXZNpJ22UlKV22TPg+ESRiWMLALp1qpnXIWRl+Rb58sy2RrFhVVODXykAQGRKBp/9svkxB239X9TKYjgacj5fp74voPq8+Hy8RycwXI9X1cov2h7QPctKIeturVPq++zonhkvO5VnmZntczX7fR2y2THWe+3eQ18qpsLJ5L70F2OzS9PnKt1sDvpvVkdhl9bPuE+KLPd20x9idJksptd3/JmaMPOKLmRq43cjx6+USyjaS10TZBklh/+yVCxHj7qDO9EGFrl5X7eyxDIH77gJIwxdrkkXVu8F57aE2oWFV+jPsQwL9vXRdw+P4HIMT92DSmeiIHHiAfxKdr7IWCiPHwatlt6Y7NH2eUzsiqux3h5dOVrY8lX2DTDELdipmPBK6bQNP+t/9CHL3iZQTs3jcIl78xFRaOHvHs9H1j+P4rRtrfbf9h/FCSKB8QL/DfUV9Ux8eZmqu2lh9LthDed/NHTOf6fnbezI9Iv3VM59ELPrWPCZf7vG83dqOOD25jt623a6N9rsKmptdHDl8DvztdF9iI+6C4RcWLX0f8v2WLe087Sf+cMekBA7UUBXdSAqM7PIgw5mufJjXbGeFOCUBbCfXrK9aVd9JC0h7Sb0dPysELHy8V9NUywsurcKExWpvvE2unab52EvdJ4JYINOl/u3dguxah2Q7v2OJTRGzyN8KjiNTiN3ifKcN7pM9qHrijx2eIOK/dr+h3msmZ4kk9JzcqdprOqqpy9nVUaWJ3PRt9NpXreIJ/rul3p20axkHXtf4M1BzAPOwfgbEaUsO3fDQ9QA6oWUEZDt+QY2zZEFv/jKTGJHCjBKbrtX7AmmItA7YMhLohuqP/2gdk2bhHAr0mwECt181H5QWB/NOLGj0L7aBMTJ2IiRA573lBZmKBbuBfbHpBLVgVCQyXwPRJTiHmR//1CPrDHczY23AB0LICgQH6XQZqhVZmwjUQmK7FGgbzJH1Eo/G9XFP3tRdve86wQYTXdHpErWvJr1k7Iq+j02qtXEfCKIYESMBDQE+vbd6zN8p7OoLeyOd5SJyS9JN1n6K3r+wQ/S4DNV9LM61fBPTag83sF/DXDfD0NEj4jMcLP16rtXL9QkltSaBvBNSaon966QNw+HhDjBDPl+7wfQM3UH2H6Hf/N9C2olk3RUC/+fmg3gzLm25eJGg6DWK/NZqXyCMSIIFzE2jQ/+SIuliFKj/ShV+LGOJtR2tQ/dzKtpB/C+vozmljg+ujReucv0gz/Tmidv4WYQ1nJ6Df/trM8h90lB89FFOhIZa/5Qv9xzUR6xtmG+AHRuCOK8ccJDBwAm36n/xMR4zFOEAwXiCO7DdDr5GXWKIxxiIGoteXga6jO5ONba6Pa7oEWurPEbVrasQL6SK+0D0WXuJSP3Nxtq2vRnnxXbjtV4DZYoxgYVcUYrn/PPJ0Lb7eLQI684uw/RyqAzU2cksC10LgtP63m6ugR6xD9fZ18cAmArgSc+NZAGwTOC+UluRuk7zBLMi8i5EgRv1K6+xI57jgD03tXW9r2NjaptOuj64tlfJq3JOyek/XPxAfvs0Eco8ESOAYARXoPmBb92WHYwJ5ngRIoDEB8V//iMFv8RMf7S4NehpLZgESuC4CHFG7rvagNiRAAiRAAjUIyDcV1zUyMgsJ9JwA16j1vAGpPgmQAAmQAAmQwHAJMFAbbtvSMhIgARIgARIggZ4T4Bq1njcg1ScBEiABEiABEhguAY6oDbdtaRkJkAAJkAAJkEDPCTBQ63kDUn0SIAESIAESIIHhEmCgNty2pWUkQAIkQAIkQAI9J8BArecNSPVJgARIgARIgASGS4CB2nDblpaRAAmQAAmQAAn0nAADtZ43INUnARIgARIgARIYLgEGasNtW1pGAiRAAiRAAiTQcwIM1HregFSfBEiABEiABEhguAQYqA23bWkZCZAACZAACZBAzwkwUOt5A1J9EiABEiABEiCB4RJgoDbctqVlJEACJEACJEACPSfAQK3nDUj1ssJlXwAAIABJREFUSYAESGDoBA6rCYLJCgccsJoEmKwOQzeZ9pFASoCBWoqi/zvSmQUBAvk3QZkvs/NVObzd3MiqcIyHFSbSgWb8dvM5dunhDnOtU1VdaXazs5sjmGdSIB20LTfNiHng2iqcuZMm9Ayy8ifpKHRzbIaHg9RQ1ptxDAq6Gju4JYHbIdCs/x3w8RYjfH7E6PCBtxh4uBsBEL4l69M5ek5/F+dsv9e4Hzr9OOeaTMU+HyDSnMzCr3p9YcHnnaiz1Cvzv+K+4K1X5PPULYvXtbuujTXbodn1YRrA2jp6V7V32/tc+T1J4LSvy6wNSvlbqnt3E/4GQGCbREAC31+4TPaphRX5om2aK9lGfllAEi4zaaLAfhkmQJSkpdOyYRKGJTrZdWW15va2kShr5Lp6m3RRRJ+zZWod7CSlZ5hI9U/UsWCzj0OyT5Zl9ut2svXLGc8DEhgygab9b79MQth9V/d/mY4Eno6U6+/GRxz1j0XoSk6JH3P84XG/4PoxJLbq1T7P0iHn04s6J4aLz940zfahSZKv2/h1q860nEqz7wN5u6tsLJ5L71m2TU2vjxyCBn43radop22fEJ+3UaS4tlg8U7mn3QNts2AfcH9YBIyTsZ2Bz0LVSbUj9GXQab58xQvYXNR5J6REmE5Uty7r4jd66U6Q2aRlWh1d6WTXYerN5JWzMXnt8qZybYUbnHo7cr5M7sg40syI3GkekMDQCTTqf6LP674ifFB2Ey32fcPNDTxMur0t1yHLpfJkfsM6ox7ECn4nn7e8vL7RW+W70lnqqH1MxsrSXPqvvH926y7Xu8i8PG/RxkyLbE+Vz+vjS1MljvvnTLKzV9PvKhZ5/19uo4jZ1MCG7c671p9Tn95xxmEkjh6fEdYwZfp7iRAxvvbVmadPUXUGfXZ091CSb4SXVyHjeF0lAjzJI8jq4i8Y9fdfMYAHyNkRWWIPmRQ9YaolXFZHR+3RHcoIOTl5SAKDJNCk/+3ege1a9Nwd3rHF54uY9hS/ER6fQyB+w4dvyVp4j7HO6dvU9Y++sqJu1+/485WlTlHTneYEnKazElXOPldVyUETu+vZ6LOpXMcT7iE1/W7d+1wJIJnctf4M1Kpo39i5f98+b3f9EMb3Ihz9B6X+Ad//AFhBGQ7fEEnhfZXbvn47qSEJ3CKB6XqtH7CmWMuALaOgbogx3nKRmvYBWTbukUCvCTBQ63XzUXlBIP/0okbPckHZ/gtyjC0bYrsMOLFAt2yx82U0YC0kMGwC0yfIMfrcdIAeQX+4gxl7GzYEWpcjMEC/y0At18I8uBYC03WCJDFP0ke0Gt/rqVvxtucMG0R4TadHgN37Royn4dIDagc5tHdEd54mARI4gYCeXtu8Z2+a93QEvZHPO4GYr+hP1u3T55S0IfpdBmqnXBEsex0E9NqDzewX8NcN8PQ0SPiMxws/Xqu1cteBiFqQwFAJqDVFZukDcPh4Q4wQz5fu8EMF3DO7huh3Gaj17CI8i7pyavCSjq3r0a0x5DK16BXWQJpG1XYapGsdz9JyFEoCAyXQoP/JEXWN4bDCr0WMcPnX4wuuCdUtrKM7p40Nro9ravZUl2b6M1BLwd3Czg5zz4cJg9kGuMSIk1g7cJa69Ntfm1n+g47yo4diKjTE8rd53/NIO59NxyP18jQJkID68GpTHzF6xHMYYzEOEIwXiCP7zdBrhCqWaIyxiIHo9WWg6+jOZGPf/XNL/f93jZcxdWpIQAQkwkGVFItnAbBNIF+Y2swQiCVb9i9cYv95LochvsosgiXzi7BtWpe5uI0Iz3b08ontV4DZYoxgYWcIsdx/Hnm67kBHu0rukwAJNCBwWv/bzVXQI9ahevt6E//YQOv6WTeYFZwuEC73yif7BHWkc1zwh77KukirYWNrm067PrqwriCjxj0pK3O6/oH4JFwmkHskQALHCIj/ima8eMC27ssOxwTyPAmQQGMC4r/+EYNv4heZB9HGUliABK6fAEfUrr+NqCEJkAAJkIBDQL6puHYSeUgCAyTANWoDbFSaRAIkQAIkQAIkMAwCDNSG0Y60ggRIgARIgARIYIAEuEZtgI1Kk0iABEiABEiABIZBgCNqw2hHWkECJEACJEACJDBAAgzUBtioNIkESIAESIAESGAYBBioDaMdaQUJkAAJkAAJkMAACTBQG2Cj0iQSIAESIAESIIFhEGCgNox2pBUkQAIkQAIkQAIDJMBAbYCNSpNIgARIgARIgASGQYCB2jDakVaQAAmQAAmQAAkMkAADtQE2Kk0iARIgARIgARIYBgEGasNoR1pBAiRAAiRAAiQwQAIM1AbYqDSJBEiABEjgCgns5giCAPPdFepGla6WAAO1q20aKkYCJEACJEACJHDrBBio3foVQPtJgARIoGMCh9UEwWSFAw5YTQJMVoeOa6A4ErgdAgzUbqet+2WpmCLIzQ8Ihz9HccZgh3kwQf4+IPI6aYcVJkFWfjfP9gEhI5BTErVuKEI3eROykAr5bpo4LetVssWUR1DQ1ZLBXRK4UgLN+ssBH28xwudHjA4feIuBh7sRVD+z+51lrNM/xRkZ7Ol+2bjfOP0u50pMtb4+K9KczLt5SaBZ8FH1dd7MbJ+Q7dfyP45tVWyE7srvlNigWTRi7dTv4DJ0q7cuO/tYyi+5TsRVNG84dWzLtny94ZLb+nx4mSU5uVKx7J7VtQ0JfyRwhQS2ERIgSrZSt20SQRybP5MuTupzkcqpskcyr520X4YJECbLvSiizovjMDQyna1d2OGjZNk6JEkxbZ8sy2RrOyqqcGrkIQn8IIGm/WW/TMJcX9N9RaYjgefCz/VP06fT/m71zXCZiC5c9lNyrPyOjFA6AFW62Gfdfuz6HSS26tU+ytLB1jllaZ23dbQrKBjZwKdU1GMzSP2nrYPZt/VODJsSvYEkL7egfC4hz064ZCHX+FRjp/bXdkl9DbWuq4KLur8YHexK/ft5nc9rA0fUyqJlpl8RgSnWSYJE/G0jABu8p0NrY9yHAP59w0yuHL7/AQhxPzYmqCd84AHywX66xn4pCsV4eNVyjfxkD3lq88cZpTOy6m5HePl0Zevj/RKi9k1mRF2hzEcClyfQtL/svxBHr3gZAbv3DcLlb0yF1qNHPDt91Riz/4qR9k9Y/T3tl4nqs/EC/6V935R2txG2VjnpN3S/jt8+Uj/hlioe23psIT3PHzGd6/vZebN+L/2MrfN0rfyYq5/0a0D0JEn5KhAA6/uUknpENfHil+XbauqdatQV21SgZ0fYKXjHWPzK8z58vEFeKdKRe4oeS/Jx0f442op2W6tr9Zico+e7tYGB2lHgzHDdBEa4exAx1xf2WtG80xeJe8j7QPSUdsKRLOSzbISXV+GSY3wZgb5sp6SN7iBU5o8E+kKgSX/ZvQPbtQg4dnjHFp8iYpO/ER5FpBa/4cMX7YT3SJ+tPGBGj8/yAcdzqkZS0U/UKGRlmeJJuIWGv3o6H7D6swHCJX5XxWlVddf0KdOaRtTT2yh0Klsjx95OsVZRJcbW3Kry7REq41lbzI/ud2cDA7UfbUhW3gWBsRpSw7d0/gfIATUrKMPhG3KMLRti66JayiABEvAQmK7NqMQUaxmwZZlUwBfjLRep6T6bZbutPb2OT67puy3Lq601I7mbmf6cyQ7vMp7VI7TVpa/jbEc2MFC7juakFicQyD/tq9Gz0A7KxFSMmFhpO1zeVjex2NR6gaGtGJYjgcEQmD7JKcQ4N1ytR7wf7mDG3gZjbw1D1HReiOfHGtbfkE8RLziM356xjIDNbILJZIZNZI/Q1oD7w1m6suF/P2wHqycBL4HpOkGy9p4qJo7vEWKDr/0Bq18zbBBhm063qHUy+TVrRRHnSFFr5TjJeQ62lNlXAmoKcbN5x249VUsRejri3chHlTaXXj8bLlEnThuKT3HZucfibflfixjR9hMv0zt8bWbYxBG2n83nhguyS9ui2QlXrnvcpQ0cUWvWNsx9jQT0+ozN7Bfw110QqqdVwudajrBL89R6ii4lUhYJ9J+AWif1Ty9VABqNKPXf/LwFu/+wiKE+ZZI/4z26FZ9irgk1MTLFWi7432BmrVfzArqixC5tYKB2RQ1LVdoS0G9+6jfN8lLaTqvYb43mJfKIBEjAJdCgv8gRcF1ej5yEy7/yLVFX6vUcn2cdnXgrFojwas0AXI/NP6WJGWW0Hq5HL/grXsffzHry8eRubWCg9lPXIuvtkIB+m8ztxPKjg2IqNMSy7utUYg3ITKxYtZxEh5pSFAkMikCb/iI/0xFjMQ4QjBeIr37dkfiA9liOfEWvLx2uo1OL42G/+DSoi0Mboz+QW+tjvrKI/+F69PKJ4udFHGCN63LKlx02lnuCDR4dGKh5oDDpygjIBbT6C9siiPL8sk48Tr/ELW8CIkjbfx55Ws/+ZwIZpIk1bp9dOmSPwkwigd4SOK2/7OYq6BHrRpd7sRbVWXekb4q5L8aL/6FABHXi+4Ozhl+mb8x5g1n6PyIIv6P0DZd7uKqmotvovHuHHE/7yW9NtNE7NfpMOxVcpmvxnUsR5Jf/zwVn0qqZ2I5tCMQ3d5tpwNwkcNsE5Js8iwdsO/s44m3zpPW3QUD81z/mOUt8XLQ06LkNHLSSBGoT4FuftVExIwmQAAmQQFsChbfi2gpiORK4MQKc+ryxBqe5JEACJEACJEAC/SHAQK0/bUVNSYAESIAESIAEbowA16jdWIPTXBIgARIgARIggf4Q4Ihaf9qKmpIACZAACZAACdwYAQZqN9bgNJcESIAESIAESKA/BBio9aetqCkJkAAJkAAJkMCNEWCgdmMNTnNJgARIgARIgAT6Q4CBWn/aipqSAAmQAAmQAAncGAEGajfW4DSXBEiABEiABEigPwQYqPWnragpCZAACZAACZDAjRFgoHZjDU5zSYAESIAESIAE+kOAgVp/2oqaVhHYzREEAea7qkw8RwIkQAI/SIB+6gfh97dqBmr9bTtqTgIkQAIkQAIkMHACDNQG3sA0jwRIgAQuTeCwmiCYrHDAAatJgMnqcGkVWB8JDIYAA7XBNOUPGyKG9HPzjsJBz+GdiTysMJFO3Oi8wzyYIO/LRXknTZQLLJmFOoHNLJBToGIa1P7LbhQt6zKqiq2oN6c/gIJNuoDU2dbFscmWy30SuFICu7nV7yD6kLqms35lK37Ax1uM8PkRo8MH3mLg4W4kOg7mdv/NFXH6tuxSE6sPN+w3Tr/LuSZTr6/PijQn825eEmh6/I8MUFPfU67zcT9llPRsHduCgu/MygjdjR/0t5XKW1dvmdup38GVVV6157Kzj6V8+3rLCxI2NarTlm1du4ZLbuv69XzV+aOcXH1fMIp1bUPCHwl0QGAbIQGiZCtlbZMI4tj8mXRV0X4ZWnlFms4fqdJKRCTL20mqXJgs90pOrs6typ/VaerW21RQu7pUjerfov5JUkzbJ8vQ0SHlodJTlWzh3CeBayOQ9q0wCcuuafti3i+TELqfyrK6/8t0JLDzalvzfdv1H1Y/CpeJ7v5eSkqOld/pc6FxHomvz7ppRT1s1XP+x/gwpz7pj2ydU5YlOtoVFCxs4FMq6rEZpL73mN4prxK9gSQvt6B8LiHPLknyx8bOzNenhfU11LquCi7q3pG/V6X1enbyOp/XBo6o5WNkHnVCYIp1kiARf9sIwAbv3qE1U9kY9yGAf98wEySH738AQtyPTR71lA48QD6cm2Szna5VfaZes5X1A9HTVOfsoC5TZ+V2hJdPzcDoYrb7JYS5m2ooldJ5kgQuRmC6xn4prtgYD6/uNb2HPLX5k42I778QR694GQG79w3C5W/I3jd6xLPTz40N+68YWd+2/IfpM0midIgX+K/SlwiJEbZWOemHEqVn/PaR+hhTd/nW1mML6cn+iOlc38/OmzGS3Gyda/spXx0NfEpJPcIdxotfWVuhpt6pOl2xTQV6doSdgneMxa8878PHG+SV4r0JeES5ST4u2h9HW9Fua3WtuuUaH3drAwO1xg3AAt0TGOHuQdwHvrDXwvOOWyTuIX159NSgIx2w+rMBwiV+mzgN56qrAZXRHYS5/JFAXwiMZAf1aTvCy6sIYWJ86c67ewe2a9HhdnjHFp8iYpO/ER5FpBa/4cMX7YT3SJ/LPFWNHp/lA47nVI2kYr+vUcjKMsWTMLPhr57OPj/VtKJ6PmVa04h6ehsdT2Vr5NjbKdYqqsTYTCeKu4C6CSB97raLXN1+dzYwULu6xr1NhcZqSA3f0oEfIAfU7KDs8A05xpYNsR0HpdfHyLUyVu6z1GXJ5y4J3DKB6dqMSkyxlgFbRkMFfDHecpGa7u9ZttvaK/FTtwXBY60Zyd3M9Jq0Hd7lc7ceofUUubqkjmxgoHZ1LXubCuWf2NXoWWgHZWI6RUyONBjyVsPkIZ4fzRO9YnuOurytJhabli2e9hZgIgkMnMD0SU4hxmb4TZqrR8sf7pDvqQNnoc0r81Ne62/Ip4gXHMZvz1hG4iWxCSaTGTaRPULrJXRViV3Z8L+rsorK9JbAdJ0gWZ+g/vgeITb42h+w+jXDRqwzSadM1FqX/Jo1oLpOvaYtXMKJ04AWdbWxTK2z4yRnG3YsM1QCagpxs3nHbj1VyxjajJZfAZ5q/1NXwQo/5RExFJ/isnOPxVv0vxYxou0nXqZ3+NrMsIkjbD/TNSweOv6kgmx/tsaprlz3uEsbOKLWuHlY4CwE9LqtzewX8Ndd1KmnRsLnYtBVpszuPyxiqE8EuHm6rsuVr4/VeoqSk0wmgRsloNZJ/dPLHIBGI0pDY1blpzy23opPMdeEmlSZYi0X/G8ws9arefBcVVKXNjBQu6qmvWVl9NuY+m2xPInmUyPibTPx9terNSqXyey2rkwu90jgVgnYb2gfYSBHtHUePXISLv/Kt0SPlPzB0+dZR1ftp37Q3B+t2owyWg/moxf8Fa8Xb2Y9+XhytzYwUPvRC5KVZwT0G2FuR5QfDhRToSGW2aubWTHvnlp0CvtlhFy+LuvKCeYBCdwWAbFmaiZWeFs31WME5Gc6YizGAYLxAvHVrzsSH98eyxH66PWlw3V0x/zUMZA9Oa8/kFv1wd28Jf4H89HLJ4qfF8mXlB8eD0o+UOxkbXR4SRs8inGNmgcKk04kYJx3QzGyI34FmC3GCBZ24RDL/Wf9J+7dO+R4WsU73J3VZavJfRK4CQLifxgQD0/mJ9YO1Q9gdnMV9Ig1p95+LW6KIoAz4p1tPAuAbQLnhVIn1ymHG8yCzDojKVzuy+tso3MNP2XqPtu2jd5nU0YLruAyXe+x/DfGYjzHXWffPDuDQR3bEIgP7p5BTYokgcESkG/yLB6wvWZHMVj6NKyvBMR//SMG38RPfFz0fIFWXwlRbxLwE+CImp8LU0mABEiABDokUHgrrkPZFEUCQybANWpDbl3aRgIkQAIkQAIk0GsCDNR63XxUngRIgARIgARIYMgEuEZtyK1L20iABEiABEiABHpNgCNqvW4+Kk8CJEACJEACJDBkAgzUhty6tI0ESIAESIAESKDXBBio9br5qDwJkAAJkAAJkMCQCTBQG3Lr0jYSIAESIAESIIFeE2Cg1uvmo/IkQAIkQAIkQAJDJsBAbcitS9tIgARIgARIgAR6TYCBWq+bj8qTAAmQAAmQAAkMmQADtSG3Lm0jARIgARIgARLoNQEGar1uPipPAiRAAiRAAiQwZAIM1Ibcurdk226OIAgw392S0bSVBEjgpgjQz91UcxtjGagZEtySAAmQAAmQAAmQwJURYKB2ZQ3y0+ocVhMEwRwcmPrplmD9JHC7BKQfmqxwwAGrSYDJ6nC7MGj5zRO40kBNdU4xlVU5nXVYYSI7s6cdxTldvlyGqKdGUCKGm3NzamXldpgHE+R9isjrpEndsnp382wfEDKU3bWck8vAke2S2c2rpgd3+G8RI1z+xtQUdOWbdHdbmxGAgsx23FCoE9jMFDtz7ZhtxrJlXba9ol73uivYpAvI9rB1cq4FWy73SWCgBJr5uAM+3mKEz48YHT7wFgMPdyMo32j7SguW7Gf5c+qh0/S9hv3O6bc592+q9fV5keZkFj438z+msDDHva8I1ygelI/rfNzPWfW4u45tQeGelRUQuht9vDborHX1ltmd+h1cWeXevXxsUKaTrbfRv9TOQjuU3d8thUQZ005VBji2lupgifbuJlf02y/DBEDFX5gs95nCKn+UbLOk5JiMMBWwTaJcXXk5lshkGwmdzPmqcvpcZGm0jaQ9dpLSUduizwNhEoYlttuFbcWSRNtrdBMn98lSysmzksX2yyQEkoyBI0zqki/nY+yUkof1Gfl0bsEtSfLtknI8xrBdXbbNPibFNNMOJfoASUWz2tVxnwT6TSDtmzV9nPRTtn/U/k37L3g6Ts6nJq6PtvpguEysW0iBq5Jj5c/dI/K+s9jnXd9W1MNWvdpnWjrYOqcsrfO2jnYFRev0vaGkrO2TKurJ3z+KNqb3cFvv9F5VXnderqt8tT/Nm12hk2Zl11XdDva91dxzSmzI2Vutr2CU19m1N398VSNqo5dPiLuv+EXbBEli/e2XCBHj7aPOEHiErV1W7u+xDIH47QNKwhRrk0fWucF7rfm+qnJj3IcA/n3rOoDD9z8AIe7HJk5WT4vAA+RD4nSNvVAMMR5eLXstnbH544zSGVm+7Qgvn1tEiLH4JaYOst/h4w0xzNNplq72Dlj92QDRK17Ew+tJvypGPsEtuLlipuv89ZJrWyB6MmOEHdTl1u09Fu3gtqc+ltcysKl3wXmlM5EEekOgqY/bfyHWfmj3vslG+EePeHb8q2Gw/5KeTflUWP7H+IEkUX42XuC/o36+zv3D1Fy1tfUQPhnY/Mn75Ky0nTfzG/LeYOtc289lkrO9Bj6ppB5xq4wXv6z7UU29UyVast39h0XsiQsSdV/fzOzRVL9OJp4o2pAqB9jXTmlc4LFBCbWurQas7epL9q8qUCvRUSWP7vAgwpmvfWW28pMj3CkBaCuhXLY5U6wj70BEvj2kT4me0unFkVTMyLC3I7y8iu4do5nZU6z1hTO2hmWVLhHSmMWuSnaEEMvfJqCxT557vx2341rp4DNcIjPrXHUd1ybNoa/l9Jg7JDBwAk183O4d2K6FH9rhHVt8pk+OIzyKSC1+g/d5PbxH+jzs4Tl6fIaI89r9in6jmZwpntQYRKNi9XT2+blG1QA1fdK0phH19DY6HmcrAnbAd+8y98h/+LZHJYxoz7auDZ6i5Unje3lt1Xr4rsnarqw/gZqt9RXvj9WQmr5oDpADalZQhsM35BhbNsR2HmvMU+xmpj9ZsYO41nPrz6yaZUcIn/F48miaJbTB7lm46fUtcq2LpctZ6rLkc5cESKA9gel6rR9ip1jLgC2TpQI+d2ZF+9ks223tlfi5wUGoDMTrD2aoWS49o9UVpBbBV5OqGag1oVUjb/7JUY2ehXZQJob1S6cfa1RQM4tY3Dl+e8YyEgvsJ5hMZthE9tOpJeiwgpr1fMEPxWk4Bzc11Rvi2Yk+z1GXRTPblQtO7SH57BT3SIAEWhCYPskpxPzMip6leLj7Mf/VwpLOipT5OW8FvfRJLQJxuYjf9wKJemEO9uCJF1RV4gazOi8SdMiagVpVe+hz07VYM2Ce8o4UkEOgIroXb47MsEGE13ToHlBDuPaatSPy2pw+rPBrESN6fcHLWq1Xi+NITycUBaqO7htWLuYtS2nEyCekBbfqOvVaQN8oYYu6fCofS1NPbsdy8TwJkEB9AnoKcfOefULoUrMU9ZWslbPaf9USIV6hl2/IwufnPCJuxSeZ9dgugsPqDzbIL/Fp0g4qb7aGMHFGfO36umTNQM0m28W+HgLdzH4Bf90ATz8Z1OxUbdUxT1hqIG+KtVy8vsHMWq+WyfZ8kiM7ebm9rrnpxafutKc0qOu6SiipNYElJ5lMAiTQioBaY5StSTL+zh05byW8b4Wq/JzHln76pONr2PIv7HkMl0lmNK2LF+bK6sjSu2TNQC3j2tGefqvQ+/Zk2yH6JiNwnies0Qv+ijdLN7Pi93x27/IJ4+edXLfczOJTezQza+Bu68rkco8ESKAdgQY+Ti/clvXo2YNw+beDt9XbaV6vVIvpuxqCq/1cDQE9yZJfV5xXWjE4vuZMjabZXwDIyznp6MyjugzUTmodX2H9ZpIbFMk5czEVmh929UlI08Qc90y8AdBkkb8/GBSfPim+ltzlJzlSrVvudMhNvC0mXxLK3qzNK9VlXXnJPCIBEmhAoI2Pk5/piLEYBwjGC8Rla28bqHHerGIZzFh9XuK1y3XAx/zcea26pHT1Fqlo8/y6M/FhW3mLtD/S7lXMDGDYXwDwZqxMPKxW2ZS7ySnu7eI6RHE9tMly6vZ/pwroqrxc/C4+lHKpn3EQTeurUU4GRV8BZosxgoVdQYjl/vPIk5/4cr4I6MwvwvazQeeWI2T+p4bpeo/lvzEW4znuxJo7/bZQ9NrxJzlqMDLW2dvTuFmSKhiYXJ3VZQRySwIkUJPAaT5uN1dBj5ju8vrT9MbpVyeeBcA2QcXyIn/B2qlisXnmwU2xcLkvr7ONzjX8nKn7bNs2erdRZvSCzz1kQCQCdPu2Krhmn3ApEZ5+h+3IvfTIvWv/tcAsf1PXFZZciyXqNE0OxPdvmxZi/mEQkE8j/5bYNwkEh2H6SVaoh4oHbOu+YHJSbSxMAiQgCJjRE7EvPoh+vkCLvPtOQPlo+AP5Hhp3NSNqPWQ3AJVDLP8eecIYgJU0gQRIoP8E5Bt36/7bQQtIoCkBBmpNiQ0o/3T9mf7vCAMyi6aQAAmQAAmQwGAI8GWCwTQlDSEBEiABEiABEhgaAa5RG1qL0h4SIAESIAESIIHBEOCI2mCakoaQAAmQAAmQAAkMjQADtaG1KO0hARIgARIgARIYDAEGaoNpShpCAiRAAiRAAiQwNALQ96VVAAAgAElEQVQM1IbWorSHBEiABEiABEhgMAQYqA2mKWkICZAACZAACZDA0AgwUBtai9IeEiABEiABEiCBwRBgoDaYpqQhJEACJEACJEACQyPAQG1oLUp7SIAESIAESIAEBkOAgdpgmpKGkAAJkAAJDJrAbo4gCDDfDdpKGucQYKDmAOEhCZAACZAACZAACVwLAQZq19IS1IMESIAESEASOKwmCCYrHHDAahJgsjqQDAncLAEGagNqeuncgkAOjQfBBGW+zc5X5QB3cyOrwlEeVphIh5qB3M3nyEbmd5hrnarqykrrPTHEnxvfFw7blmtKCPmurSKvkyb0DLLyJ+kodHNshoeD1FDWm3GsahdjEbckMDQCzfrbAR9vMcLnR4wOH3iLgYe7EQDR17M+nGPk9G9xzvZzjfud029zrshU7OvzIs3JLPyo1/cVfFx9nTcz26dk+956jL5m69hWxabWPaApa6d+B5fRsmSrAncx/Sv+yuy19TZ5S+0stEPZvcZSSZQx99oqAxxbS3WwRHt3E/4GQGCbREAC31+4TPaphRX5om2aK9lGfllAEi4zaaLAfhkmQJSkpdOyYRKGJTrZdWW15va2kShr5Lp6m3RRRJ+zZWod7CSlZ5hI9U/UsWCzj0OyT5Zl9ut2svXLGc8DEhgSgab9bb9MQth9Vfd3mY4Eno6T69/GJxz1h0XISk6J33L833E/4PotJLbq1T7O0sH24SlL67xtp11BwbwGPqminvw9oGhjeh+y9U59ZIneDtuC6kf8ad7sCp00K9uG6naw7zVJovKW2JCztwHrorGFFBRSmDAYAsbp5C/ionnq4tOOsXg6TfHlK3dWeaekhJiLt25d+U4iZWgHktmkZVqdROlk12HqzeSVszF57fIpArlTbnMmP1/COaq44Tg5eUgCgyDQqL+JPq47uPA52U212NcNHOWbqvtfuQ5GiufBMz1VrLuZH9DBg+WnutJZqljwi6ni9XZq+iTfPcBXgY+1j5cqW2RbkFlqn/HX1W1vy3NtKG0HT51N8tp15vZrsrbLcOrTO844jMTR4zPCGqZMfy8RIsbXvjrz9CmqzqDPju4eSvKN8PIqZByvq0SAJ3kEWV38BaP+/isG8AA5WyJL7CGToidMtYTL6uioPbpDGSEnJw9JYBAEmvS33TuwXYueusM7tvh8EdOe4jfC43MIxG/48C1ZC+8x1jl9m7r+0FdW1O36GX++stQparrPnIB6Oh+w+rMBwiV+GweXk1LjoKZPqn0PqHnvUZodZ7t73wCI8FSwz9xT/uHbd014TK9rg6doedL4Xt5rN+/Zop/SzDVZ2+UZqNk0bnz/X90r/co4je9FOGo66gHf/0SfzoIyHL4hksL7Kjd+ZUZRHRK4UQLT9Vo/UE2xlgFbBkIFfDHecpGa7vNZttva0+v45Jq+IVteGYjXf/g/yBuE/SDfAbQWwVeTWhmoNaHFvFdJIP+0rkbPckHZ/gtyjC0bYruMHXLBacni58towFpIYFgEpk+QY/K54X89Yv5wBzP2Niyjq605fLwhRojnxxrW99IntQjE5SJ+54UyiXGH/xZx/kG+Gq/n7AazOi8SdMiagZqnGZj08wSm6wRJYp6sj+gjh53FE5V4W2eGDSK8ptMlgBo2D3HpATX15HZEd54mARJoQEBPIW7eszfLezpi3sjHlRJSb8gifEadOO1WfJIKXovQDqs/2CDE0pojbtIOKq+4N+k/Z8TXrrFL1gzUbLLc7ycBPey8mf0C/roBnn4aq+nIugSg1sp1KZGySIAE1Bojs9QBaDSiNDR8u/8gBojqTnv20ycdX8MG1HkQN6Npr7Ce4892RXTJmoHa2ZqpR4Ll1GDNofNOzKrTqZpUNIZcphb5OmDbaZGudWxiD/OSwK0RaNDf9MJtSeiwwq9FjHD59yI33/at0mL6rkZlZpG9PYNQo1jvsuTXIefVVwyOrzlTo2li1rPwRkJeYJujM4/qMlBr0yi9LbPD3Pk4n/ww4Ey8MVRv6Pwk08Wc/Vnq0m+DbWb5DyDKdQpiKjQ/1F1pw9l0rKyVJ0ngNgm06W+jRzyHMRbjAMF4gTiy3wy9RoxiScZYjnxFry8drqPbQb0Mab04dY3md6CTevtVtHl+3Zm4f8lbyvJ3+ka/vzozRXzCm7Hyw76rbMrdVCTuM+I6rLtO0JRrsP1fg7zMeq0E0gvFr2A8C4BtAjmdvpkhEG86279wif1nlw7EFi6+Ji6CJfOLsG1al3HmRoRnO3r5xPYrwGwxRrCwM4RY7j+PPG13oKNdJfdJgAQqCJzW33ZzFfSI6S5v327iDyu0bH9KLDbPPJ6REy73ygebBHvbRufdu/SrZxkhsnWr2m+jd5W8snOjF3zuIQMiEaDbLl5wzT7hUiJATxFH2yP3uSP3mv3XArP8DUZXWHItlqjTNDkQH1VrWoj5SeCWCYj/mma8eMC27ssOtwyLtpNARwTM6IkQF5kHz45kU8ywCCgfDX8g30NTOaLWw0ajyiRAAiRwawTkG3frW7Oa9pIAwDVqvApIgARIgARIgARI4EoJMFC70oahWiRAAiRAAiRAAiTANWq8BkiABEiABEiABEjgSglwRO1KG4ZqkQAJkAAJkAAJkAADNV4DJEACJEACJEACJHClBBioXWnDUC0SIAESIAESIAESYKDGa4AESIAESIAESIAErpQAA7UrbRiqRQIkQAIkQAIkQAIM1HgNkAAJkAAJkAAJkMCVEmCgdqUNQ7VIgARIgARIgARIgIEarwESIAESIAESIAESuFICDNSutGGoFgmQAAmQAAmQAAkwUOM1MAwCuzmCIMB8NwxzaAUJkAAJnI0A/aUf7ZVyYaDmby6mkgAJkAAJkAAJkMCPE2Cg9uNNQAVIgARIgATOQeCwmiCYrHDAAatJgMnqcI5qKJMEzkqAgdpZ8VYLl04kCOSU3f+3d/bIrfpcGH+YeZdip8hkBXgFdppUadPhMm5ul/J2/4aUdnfbVG5iryCsIJMieC+8IyGBEAKDjT8wj2dyDUI6Hz/Q4VgSXM+boCqGmPXqAs12rmXVBKTdOyYycOW2bedz5DOGW8yVTXW68tZqSwwZF+YdRWA05RotSjYInbb/or1VJtp5hsySTmA1yxmIqVD9l/tyoC7DfAi9FkOUfFINpM25HXXn2VTBbRIggTKBdrFqh8+PCP7zI0a7T3xEwMPdCICIAUYcMdXYMQaAGX9b91+r/xdCpNbrih2izKos4nsex3Rj4Y4de5vbvD9eGnrsTcu3OjaN7k1tWVv6LVy2tSmnhnG7ERebu7kvbau4xuQpa7lMJ+HnAgQ2SQAkcP35YRJnFtXUCzZZrWQTuGUBiR/m0kSDOPQTIEiy1llbP/H9CptMXbnWwtYmEG21XNtuXZ42KdmQqPqmHmWXWZS28xPtUkFn5sc+Hw7TZTpbtt/BNYmTsIqnOu+mb6Z8bpMACTgIZH28YayKw8SHiheyrYpDshwJHB2wGGPsOGbElkKcLtuayjHqW7HejMv740nZDtP0QhzUsdTSJ+81ps0ZywobTQUl91rEtho9JoOkqd3ZPazCbsc9T5u/n3OS1N1LJUODS5G7aCps0vc6zSi/X2k7EnX9Ff3Pjjo3OKJWzrvPUDLFMkmQWH9x6APRAv9lw1vuepsAwOpvPgI3XZZkCdmiXrR4yeu5PJsuIfUiwsObbVMMYVJBl0tGqcywOzUW68ynUmUAY9wLPd+/0BMTu99vAD7ux7p++usYeID8UayL9XcFA9F7xCd4mqqaHejSOmu/R3j9snmq/TiExFoPpVY6D5LA4Ai0jVXxD6LgDa8jYLtewQ//QEaB0SOerXijWcY/EfIYY8QxI1aX47RubX8H2Bjt0nifxtTo4zOLdXar8r5pxwZp+BfTua6PWTePPyWbG8dLl44Wsa1CT/ne1NDuzJyu2GYC040Ke8v3EatdaVcwEucqwuKleK52nx+QV5nzRlYSJAuYqLm5XKR09Pgsb+D7lE//iBt9hJ+4vub0KU1S6msBo7uHiiojvL4JGft1VQhoWDyCNCH6gXapGDCFmBgyhgZPabBtJHmH978rwA/xR+dpOJWuRgallUZ3qCLeQgqrksDgCLSJVds1sFmKjr/FGht8iYxNfkZ4FJla9IFPV7bj3yP7fegg3DROO5oCjvjjrldVOkXDsF4Q0MxmV7wsiNm/0zC2Nb43NbwnpoaVY/t+g5vUOJTLFMs0I8XYmJdN720BsrGDBiYwUWsA6VqrfP+6osy1Wltv1zgdUkPq0g5yQM1Myna/kGNs+RBbvUBxVK1LkWtUjNon0WXI5yYJkMDlCUyXS/WjboqlTNhym9KEL8JHIVNTcSevNqyting5LAgOb4/hokeBVzP16qgt1nLsQI3uOtS5ipiouaiw7OwEir+U09Ez30zKxDSGmJRoMVycDjH7eH7Uv6RTt06hywlMLC6tWrTsbMBCEiCBsxCYPskpxKgwLaFG7R/uUIwYZ7Ho4kqq4qXTsAHFtlZcLFjiQZTxxzPCQDzoNsFkMsMqMEd3rQYVu0zUKsCwuB2B6VKsh9C/YNu1lbXH92o6VzztOcMKAd6yqYp0jUlxzRpQr1OtafOfYeVpwAG6DvAI6Tq7Q1qyDQmQwGkJqCnE1Tp/4v2QUfvTGtlIen0cbCRCTD/IJ2ThipcOEcOJbdVcbO72vngTwMsiQvD2itdlul4tigI1He+AWlPERK0GDg+dkYBa27CavQD/7KRPTUk0DCLS6u1/WERIH8233ehaly1f7adrESoOspgESOCiBNJ1Ut9quYVYKSEWeZdH4C9q5LmU18VLhw2DiW0tuZio9PWUTgxNsZQPka0wM9armfXrtpmo1dG51mNyGvCcAcV8+vJUUNTTmOopraKW9lMS4ikvWKNyucxudeVyuUUCJHBZAi1ilRxZV9aq0Q8//CefEr2sD3XaT7OOrj5e1tlz28cO5+IYiRu94p94jcJq5n4fXg1KJmo1cC5/aIu5lX3LFwfOxGpEx5Re1waLdQjn0gX1JJZ9EcsXB4qpUB9h/ujmHk/TBZswH0YotOhSV0Ewd0iABC5B4JBYJV/TEWEx9uCNF4gOWDt0XlfFspCxnCkQ02ndraPbFy/P6+X1aDuGi3twYfT61ey1WRaE/1n73D0HAZF8iMBQoSuaecAmgXxQaTWDJwaHzI8fIv7qsqOawsVbu0VipD8BNm116aCpRTT8lhfxj4fZYgxvYTbyEcZfzX/pbtfS/vzdaaasdLszXWXRLCEBEjgLgeNi1XaeJj1i7aszvrSJ0yfxd4VZKfiLtw3F6b3BpfMQmxvES5eqTssOsbtTAxzCjuFS03a6jBF+j7EYz3HXcF23J16D6zCRRSRAAhUE5JM8iwdsGnayCjEsJgESuAABMSshJgrEJ9A/iC9gB1Wel0Cf4zZH1M57rVAbCZAACZDABQnIp/OWFzSAqkmgJQGuUWsJjNVJgARIgARIgARI4FwEmKidizT1kAAJkAAJkAAJkEBLAlyj1hIYq5MACZAACZAACZDAuQhwRO1cpKmHBEiABEiABEiABFoSYKLWEhirkwAJkAAJkAAJkMC5CDBROxdp6iEBEiABEiABEiCBlgSYqLUExuokQAIkQAIkQAIkcC4CTNTORZp6SIAESIAESIAESKAlASZqLYGxOgmQAAmQAAmQAAmciwATtXORph4SIAESIAESIAESaEmAiVpLYKxOAiRAAiRAAiRAAuciwETtXKSphwRIgARIgARIgARaEmCi1hIYq5MACZAACZBArwls5/A8D/Ntr73o3vgr5cJErftTTYkkQAIkQAIkQAIk0AkBJmqdYKQQEiABEiCBayOwe5/Am7xjhx3eJx4m77trM5H2kMBeAkzU9iLqTwUZlDxPDml73gRVMcmsVxe4tnMtqybA7d4xkYEw57Sdz5GPqG8xVzbV6cpbqy0xBF0YlxeB1pSrWwj5tq+irlUm7PTy9kfZKGyzfIaDg7RQ6s051p0X7RG/SYAE3ATa9dsdPj8i+M+PGO0+8REBD3cjACJm5LGgoMmKE+KYGS9b91+r/xdCmlbsih2izKos4rEzhpZiZXObVzMzNuXbTj3aXv1t+VbHptG9pC1rS7+FS1uZf7eI24242NzNfWlbxTUmrsB5y2nnhJ8bILBJAiCB688PkzjzsKZesMlqJZvALQtI/DCXJhrEoZ8AQZK1ztr6ie9X2GTqyrUWtjaBaKvl2nbrctFEHTNlKhvMotROP5HmH2ljyWcXhyROwir/1Xky7Ss4zx0SIIEygbb9Ng4TH2afV3FDliOBowMW4oSOLXvjatnUVE5F/LPi6P54Ysc/JKbp9bHSsMG8F2QsjeOmn6aCknstYluNnuK9pOxjdj8z7c5ibYXdFlvT9P2cxe2k+t4n7TG4FLmLpsImfW/SjNT1VzQk8WvsNKvqbY6o5fl2j7emWCYJEusvDn0gWuC/bHjLXW8TAFj9zUfgpsuSLCFb1IsWL3k9F7HpElIvIjy82TbFECYVdLlklMoMu1Njsc58GuNeyPz+hZ7U2P1+A/BxP9aC0l/WwAPkD+qT2Kh16e8RXr9s/9V+HEJiyJ3QjfhNAiRQRaBtv41/EAVveB0B2/UKfvgHUyF79IhnK2ZolfFPhCxOwIg7Rmwtx1Xd2v4OsDHapfE5jYHRx2cWr+xW5X3Tjg3ScC2mc10fs24ef0o2V8R4kW2IT/AkSbkUCIDNY1uFnvK9pKHdmUVdsc0EphsV9jbjYsoSjMS5irB4KZ6r3ecH5FUmb0Zmm+ptJmrVbHp/ZPT4LBOCfY5M/4jEIcJPXF9z+pR24vpawOjuoaLKCK9vQsZ+XRUCHMUjSHXRD7T5xWArmsSQ8Td4SgO1CDVntdEye3SHKkJWTe6SAAkYBNr02+0a2CxFwrHFGht8iYxNfkZ4FJla9IFPV7bj3yP7jWfo1ptN46quX/wux6vi8X17UzQMwwVBzWze4f3vCvBD/KnL0wqSrZ2Gsa3xvaThPSy14li2li/Z7qFcplimGSnGxrxsen8KUJsLZ7rTDSZqFpAh737/uqLW9RMZp0NqSM3fQQ6oGUkZdr+QY2z5ENv1O0ULSYAEjiIwXS7VD7MpljJhy8WlCV+Ej0KmpmJHXm1YW2odn1zTNyzP6709hoseBV7N1KtQtljLXFiN7tZrzo4yUctQcKOvBIq/stPRM99MysQUiJjQaDHU3AkLsbi0atFyJwoohARI4CAC0yc5hRgVphHUyPvDHfTY20Gye9oonZLz8fzYwPsBxbZWXKxzLx5EGX88IwyA1WyCyWSGVWCO7loNKnaZqFWAYfFlCUyXYn2F/kW8x5bxvZq6FU97zrBCgLdsmiNdn1Jcs7ZHXkeH07VyHQmjGBIggQ4JqCnE1Tp/Qr2nI++tYmUlQbWO139GkzxtOLGtmovN3d4XbwJ4WUQI3l7xukzXq0VRoKbjK0+E8wATNScWFvaKgFoXsZq9AP/sBE9NZzQMQF36na5F6FIiZZEACXRFIF0n9a2WTADHjJx0ZdPF5Gz/wyJC+iqTBkYMJra15GKi09dTOrkzxVI+RLbCzFivZtav22aiVkdnKMfk1GDDIe9OmJhPZHYhUD35qZ7wKko8dDqjaxuLVnGPBEjgFARa9Fs5Eq9sUKMffvhPPiV6Csu6kXmadXTiqVhYMxHd2NtvKYdzcYzEjV7xT7z2YDVzvw+vBhUTtRo4t3doi7mVzcsXEc7E6sZmQ95HMRHrGk6iSz3FZXcA+dJBMRXqI2z6GNPJbDyKHBuTAAnUETik38rXdERYjD144wWiA9YO1ZnU/TGxtGMsR77EdFqDlWQNTUgXuMN8AKthy9uudgwX9wDB6PWr2WuuLLD/s/a520cCIiERgabC9mjmAZsE8sGn1Qye+PFkfvwQ8VeXHd8ULt4CLpIl/QmwaatLB2EtwvEtO8CPh9liDG9hVvARxl97fiV3YKOpktskQAJnIHBcv93O06RHrF91xog2cfUk3q4wKwVr8faMOI3lLp2H2Lxdy/hc/+40l7IOyw6xu0P1TlHHcKlpO13GCL/HWIznuGu4DtsTb751GslCEiABJwH5JM/iAZuGncwphIUkQAIXISBmEcTAvvgE+gfsRSyh0nMS6HPc5ojaOa8U6iIBEiABErgoAfl03vKiJlA5CbQiwDVqrXCxMgmQAAmQAAmQAAmcjwATtfOxpiYSIAESIAESIAESaEWAa9Ra4WJlEiABEiABEiABEjgfAY6onY81NZEACZAACZAACZBAKwJM1FrhYmUSIAESIAESIAESOB8BJmrnY01NJEACJEACJEACJNCKABO1VrhYmQRIgARIgARIgATOR4CJ2vlYUxMJkAAJkAAJkAAJtCLARK0VLlYmARIgARIgARIggfMRYKJ2PtbURAIkQAIkQAIkQAKtCDBRa4WLlUmABEiABEiABEjgfASYqJ2PNTWRAAmQAAmQwOUJbOfwPA/z7eVNOYsFPfeXidpZrhIqIQESIAESIAESIIH2BJiotWfGFiRAAiRAAldOYPc+gTd5xw47vE88TN53V24xzSMBNwEmam4uvSyVgcnz5JC2501QFZfMenXBazvXsmqC3O4dExkMc2Tb+Rz5iPoWc2VTna68tdoSQ9WFcXkRbE25uoWQb/sq6lplwk4vb3+UjcI2y2c4OEgLpd6cY9150R7xmwRIoEygXZ/d4fMjgv/8iNHuEx8R8HA3AiDiRR4HClqsGCGOmbHyoL5r9f9CSNPKXbFDlFmVRTx2xtBSrGxu92pmxqZ826lH25uCwSS714h2Vrw16ja6j7Rl3YSrYYPe3O9vfr8SU8OlPzvuO9gLXe2uVW1dzXfCzw0Q2CQBkMD154dJnHlYUy/YZLWSTeCWBSR+mEsTDeLQT4AgyVpnbf3E9ytsMnXlWgtbm0C01XJtu3W5aKKOmTKVDWZRaqefSPOPtLHks4tDEidhlf/qPJn2FZznDgmQQJFA2z4bh4kPs7+rmCHLkcDR+QoxQseVvTG1aKbeS2VVxD8rju6PJ3b8Q2KaXx8rDRvMe0HG0zhu+moq0E7J7xZxrUZH8T5S9i+7l5k2Z3G2wmaLa8HsGlukLu3vvnrZPanMIfMpk3HcPdC0H+YOt2+LgA4W+hqs8i7t6CqoVVUSKZFMnor1qoNMMZikYvXFXZThUlkMPkYN1Qlyn5RMo0OnNpk6tN48watmo+ua7Q39WbDIZYmjLg7FVsZezc3CqMVNEiABg0CrPivihAoSIpZkN1H9A8qIF1pFZczRFbJ+7optRqWsXjFGpDWq4lWxbnU8UUmNYX+Xdusf6Xl8LfpVu9cwrqX2VsdXrcN1vqu5lLlqObXfpfuJo7byq5pJWbfL9lTy/vuLw4KEU581o419PzR6fIbfwInpnxA+IvzE9ZWnT0F9BXV0dPdQUW+E1zchY7+uCgGO4hGkuugH2vz4JwLwADnTIVvEkEXBE6ZKwnlttMwe3aGKkFWTuyRAAopAmz67XQObpejtW6yxwdermPYUnxEen30g+sCna8maf4+xqun6ahpTXW3TsnK8qq7rOjJFwzBcaNzM7h3e/64AP8QfHSgLUvbsNIxrje8jDe9fqVWHcD3S3wxHWXebazUTU7PBRK0GztAOff+6Itf1Uxjfi3T0G6n5O/x+AzCSMux+IYr8+7oQfP1+0kISIIFmBKbLpfpRNsVSJmx5u/QmGuGjkKmpuJFXG96WWssn1/UNwfse+ctEbQgX5I37WPz1ko6eFZKy+AdyjC0fYjsPEbHQtGrh8nksoBYSIAGbwPQJcly/MIWgRt0f7qDH3uxmt76/+/xABB/Pj3sI3Ehca+zvFZx4JmpXcBJoQpnAdJkgSfSv4vLxQsn4Xk3diqc9Z1ghwFs21QFs1ysxnoZzD6jt5NBewVLukAAJXJyAmj5crfOn03s86t4qVlayT5+Shf+MfXnabcS15v5WIjvjASZqZ4RNVScioNZGrGYvwD87wVNTGg0CUNfWpWvlupZKeSRAAscSSNdJ6eUSQJ9GV4713dl++x8WEdLXmTgr5IU3Edda+Jt7XrW1hRwLqDrcQTkTtQ4g9l6EnBpsMOTdmaNdj26NIZepBW8wBtKUtYdOaXRtY2fwKIgESMBJoEWflaPwSsjuHS+LCH74zxE/nIouWHiatXTprENxJuKCTp5cdWf+yve5rSHn0ltZ3eJaBcBErRXcvlfeYu54iaI3E0/67B/yPtp7sbbhJLrUk1yrWfGFkLITialQH2HTx5hOZuPR9CiABEjAReCQPjt6xLMfYTH24I0XiALzyVCXkmsoE0s7xnLkK3h77XAtnRoRMh/AugZ3T2ZDN/7KF/nKa+cJT01tPeRaBfC/pvJZ74oJiIREXDAVJkYzD9gkkA8/rWbwxJIt8+OHiL+67PimcPGmZ5Es6U+ATVtd+uLWIhzfo9cvbH48zBZjeAuzgo8w/trzS7kDG02V3CYBEjgxgeP67HaeJjxi7aozPrSJqSfzdIVZKViLt2fEaSx36T3E7u1axufg6ZB3criMaFl2iM0tVRSqd+Hvdg455hDG8tUv23lBg7Vz3LUqhHni5WqWVO6SAAnUEBD/rcx48YBN04cdamTxEAmQwPkIiFEQcYMVn0D/eD2femoigYMIcETtIGxsRAIkQAIk0DcC8gnJZd+spr1DJ8A1akO/Aug/CZAACZAACZDA1RJgona1p4aGkQAJkAAJkAAJDJ0A16gN/Qqg/yRAAiRAAiRAAldLgCNqV3tqaBgJkAAJkAAJkMDQCTBRG/oVQP9JgARIgARIgASulgATtas9NTSMBEiABEiABEhg6ASYqA39CqD/JEACJEACJEACV0uAidrVnhoaRgIkQAIkQAIkMHQCTNSGfgXQfxIgARIgARIggaslwETtak8NDSMBEiABEiABEhg6ATu7Gd4AABCeSURBVCZqQ78C6D8JkAAJkAAJkMDVEmCidrWnhoaRAAmQAAmQAAkMnQATtaFfAbfi/3YOz/Mw396KQ/SDBEiABE5EYGjxsuf+MlE7UT+gWBIgARIgARIgARI4lgATtWMJsj0JkAAJkMDVEdi9T+BN3rHDDu8TD5P33dXZSINIoAkBJmpNKLHOfgJiaLkw7yiC4xzOmcjdOyYygGqxW8y9CYpxVLS3ykQ7z5BZ0gmsZp6cAhXToOZfHqQP1KVNFd9Cb8F+ACWfVANps2mL5ZMpl9skQAKVBLZzo+9D9OO0X+V922y6w+dHBP/5EaPdJz4i4OFuJDov5mYMKTSx4ovs1hMjjhzQd63+XwiRWrcrdogyq/J2XpFsOuKgTFKzGFht9/54qY20vi2/vFL8zusLu3Usdp+rtG5Tm2VtS7+FKldube33N7+utM2FbzvuO9gLle2uVctI127CDwl0QGATIAGCZCNlbZIAYl//6fJUURz6Rl1RpuoHaetURCDbm0VpOz8J41ROQecmrZ/r1LrVdyboMF2pxvTfsv1JUi6Lk9C3bMh4pOWZSaZwbpMACZQJZP3bT/yqfmV2qDhMfKhYIduqGCTLkcCsq7QV44sdw4y+7IeJCkFlOwuyjDZW3/d1EEtcscMuK9timl+IgzqWWvpkXDTtznhW2GgqKHjZIq7V6DD9z+L/PpszVhU2A0lRrmF4jS2SjfZ3X73sHlfmkOnOZDS8Vg0zqzY5oubKXll2JIEplkmCRPxtAgArrJ1Da1rNGPc+gO9f6MmJ3e83AB/3Y10n/YUMPED+MNbF+nu6TPVpvfpb6geCp6mq2YEurbP2e4TXL8VA26K/4xDC3VU9lFrpPEgCgyIwXSIORa+J8PBm96sY8tDqbz4qH/8gCt7wOgK26xX88A9kBBg94tmKNZpj/BMhjy9GDNP9NklSG6IF/quNZ1pigI3RVsbDJLU1+vjMYp2uXf1t2rKBjKh/xZSu62PWzTlJdqbdjeOlraNFXKvQIUJytHjJzxUa2pyZcgDXClvS+5Nxf3DVU/E62Aiey/Q6gsnBOqdtr9XMr+oNJmrVbHjkbARGuHsQMfgHsdJZDJqiMIaMo8GT6ihNjNvh/e8K8EP80XkaTqWriT2qzugOwl1+SIAEmhMYySDhqj/C65tIXyL8qACyXQObpej0W6yxwZfI2ORnhEeRqUUf+HRlOv49st+GDlWjx2f5I8txqGFROf40bKiqTfEkXG35aWa3K162UNQwrk0bOtDMZm3fIVyP9FerdtxT2lyrmZiaDSZqNXB46HwExumQGn5l8NxBDqiZSdnuF3KMLR9i22+cWpsi16kYtU+iy5DPTRIggcsSmC71yMcUS5mw5fakN9EIH4VMTcWcvNrwtiri5c2C6JG/TNRu9irsl2PFXyDp6JlvJmViKkNMTDjnPd2+7j4/EMHH86P+NZ3WO4UupwVioWnVwmVnAxaSAAmcnMD0SU4fRnr4TSpUI/YPdyhGi5NbczUKquJlycAbiWuN/S0BOH8BE7XzM79JjdOlOX9/gIvje/hy6kI87TnDCgHesumKdJ1Jcc0aUK9TrWnzn2HlacABug7wCOk6u0Nasg0JkMDpCKjpw9U6fyr9kBH70xnYSnJ9HGwqqiZeWiJuI64199dy/yK7TNQugp1KSwTU+obV7AX4Zyd9alrClXSVBKmC7X9YREgfz7frdK3Llq/203V2FQdZTAIkcDEC6Tqpb7XUAujT6MpJoNXFS0vhTcS1Fv5a7jt2t1ivHMUdFjFR6xAmRR1DQD2NqZ7UKkpqPy0hnvSCNSqXy+xWVy6XWyRAApcjYD4lvscKOaqu6uze8bKI4If/5FOie1pe+PBp1tLVx8sLu3wC9Z35K9/ntha3mpafFtcqACZqLfGy+qkIqKexVrPiG8RlRxBToT7C/NHNPUaoXzjmwwiFFl3qKgjmDgmQwLkJiDVTM/F0t2OZQ5Ut8jUdERZjD954gSgwnwytanTpcrEsZCxnCoK31w7X0u2Ll5f2u2v93fgrX+Qrr50nPDU18ZBrFcD/mspnPRJoTEBfjI0bpBVHr1/Y/HiYLcbwFmZjH2H81fzX7nYNOZ6WvTvNlNWxrrJolpAACZycgHiDvPgBpz8BNl/Nk5ftPE14xLpXZ2wRPxDFTViLt76jmQdsElgPlFq1jt1dYeblHmppfhhX6z3E7gbxUus+yfchNh9jSBf+bueQvw3CWL76ZTuvM+i4a1VI9sSbcOtU8BgJkECRgPivTsaLB2yylx8Wj3OPBEjgOgmIURBxgxUf8QLT0yZa18mAVvWPAEfU+nfOaDEJkAAJkMABBOQTkssDGrIJCVyQANeoXRA+VZMACZAACZAACZBAHQEmanV0eIwESIAESIAESIAELkiAa9QuCJ+qSYAESIAESIAESKCOAEfU6ujwGAmQAAmQAAmQAAlckAATtQvCp2oSIAESIAESIAESqCPARK2ODo+RAAmQAAmQAAmQwAUJMFG7IHyqJgESIAESIAESIIE6AkzU6ujwGAmQAAmQAAmQAAlckAATtQvCp2oSIAESIAESIAESqCPARK2ODo+RAAmQAAmQAAmQwAUJMFG7IHyqJgESIAESIAESIIE6AkzU6ujwGAmQAAmQAAlcE4HtHJ7nYb69JqNoyykJMFE7JV3KJgESIAESIAESIIEjCDBROwIem5IACZAACZyGwO59Am/yjh12eJ94mLzvTqOIUkngygkwUbvyE9TGPBnYPE8Oi3veBFVxzaxXF/y2cy2rJkju3jGRwTS3dDufIx+V32KubKrTlbdWW2J4vzC2L4K1KVe3EPJtX0Vdq0zY6eXtj7JR2Gb5DAcHaaHUm3OsOy/aI36TwC0SaNfndvj8iOA/P2K0+8RHBDzcjQCI/p734wInq4+LY2asa933rL5bCEdasavfizKrsoilzvhXinPNbV7NzLiSbzv1aHv1t+VbHZtG94G2rC39Fi5tZfnbanec3YfdO4RR5nVVy7uFvWVnjZKEnxsgsEkCIIHrzw+TOPOwpl6wyWolm8AtC0j8MJcmGsShnwBBkrXO2vqJ71fYZOrKtRa2NoFoq+Xaduty0UQdM2UqG8yi1E4/keYfaWPJZxeHJE7CKv/VeTLtKzjPHRK4NQJt+1wcJj7M/qr6vCxHAkfnKfRxHRf2xsQy6FROReyyYuD+WGDHLiSm6fVxzrDBjOMZS+O46aepoORei7hUo6d4Hyj7mN2LTLuzOFlht8W2aPoJ7TZ5KZ/NosbXldmo4/iPIgzu3RIBHXAK14/DwTRYqKDoOK6LXPWqA1UxIKUydGdrqstMyJQVpY6kZBoBodixRDutN5dXzUbXrbax2udcvmbm/K652Tjrs5AEboBAqz4n+rkKXCLu5IlBub9rNMWkR5cWv6ttyOu5+nd6tKzbVddVlrZXCY0Rq7qyWcovxcbcp0ZbDeOS6z7gku9iXc2mzNYl01l2sN1lnal9ZuxXdbJBA6cFSVMmsnVDe01NnPo0RhdvbXP0+Ay/gVPTPyF8RPiJ6ytPn4L6Curo6O6hot4Ir29Cxn5dFQIcxSNIddEPtPnxTwTgAXKmRLaIIYuCJ0yVhPPaaJk9ukMVIasmd0ngZgi06XPbNbBZit66xRobfL2KaU/xGeHx2QeiD3y6lqz59xirmq6vpjHR1VbotmONu15V6RQNQ2hBQDObd3j/uwL8EH90kCtIabDTMC41vg80vP+klh3B9mC7yzqb3DtcJJveQ2XbhvaaepiomTQGvv3964p81w9lfC/S0W+k5u/w+w3ASMqw+4Uo8u/rQvj1+0kLSWAoBKbLpfpRNcVSJmy552nCF+GjkKmpfp9XG9aWWscn1/QNy/OjvO363nGqeygTtaNOMxtfA4HiL/V09KyQlMU/kGNs+RDbecyW7zuqWPh8HguohQRuj8D0CXJcvjAFoEbNH+6gx95uz/Fqj3afH4jg4/mxgfd9jUsnsPuk944O7WWiVn3t88gFCUyXCZJE/6reY8j4Xk3diqc9Z1ghwFs2VQJs1ysxnoZzD6jt5NDeHtt5mARIoCUBNYW4WudPl/d01LxVnKuklD4hC/8ZTfK0vsalk9h9wntHl/YyUau8+HmgNwTUnP9q9gL8sxM8NSXSMIh16XO63qFLiZRFAiQgCKTrpPRyB6DViNKtIdz+h0WE9FUmDXzra1w6id0nvHd0aS8TtQYX9s1XkVODDYfNO4HR9ejWGHKZWvAGYyBNWXrolEjXNnYCjkJI4IYJtOhzciREodi942URwQ//Ofr/NeE6zTq6dMagOItwTV5fty0d3TtOfA9lonbdV1HH1m0xt94sKF9mOBNPCzUbNj/KIDFnfxJd6kmw1az4Ukn5skExFeojbPoo1MlsPIocG5PA7RI4pM+NHvHsR1iMPXjjBaLAfDL0GlGJZRljOfIVvL12uI5uC7myw3x46hrdv1qb2t47LnMP/d/V8qNhzQmIhEQEq4oW0cwDNgnkw1OrGTyxZMv8+CHiry6DhylcvP1ZJEv6E2DTVpcO5FqE43v0+oXNj4fZYgxvYVbwEcZfe35pd2CjqZLbJEACewgc1+e28zTpEWtPnf27TUzcY+lhh1eYlQKteHtGnMZhl9BDbN6uZWwNng59J4fLkJZlh9jdUsUpq7e+d5z9Hgp44qVqp4RA2SRwawTEfx8yXjxg0/Rhh1sDQH9I4EIExAyAGJQXn0D/+LyQLVRLAuciwBG1c5GmHhIgARIggaMIyKckl0eJYGMS6B0BrlHr3SmjwSRAAiRAAiRAAkMhwERtKGeafpIACZAACZAACfSOANeo9e6U0WASIAESIAESIIGhEOCI2lDONP0kARIgARIgARLoHQEmar07ZTSYBEiABEiABEhgKASYqA3lTNNPEiABEiABEiCB3hFgota7U0aDSYAESIAESIAEhkKAidpQzjT9JAESIAESIAES6B0BJmq9O2U0mARIgARIgARIYCgEmKgN5UzTTxIgARIgARIggd4RYKLWu1NGg0mABEiABEiABIZCgInaUM40/SQBEiABEiABEugdASZqvTtlNJgESIAESIAESGAoBJioDeVM008SIAESIAESIIHeEWCi1rtTRoNJgARIgARIgASGQoCJ2lDONP0kARIgARIgARLoHQEmar07ZTSYBEiABEiABEhgKASYqA3lTNNPEiABEiABEiCB3hFgota7U0aDSYAESIAESIAEhkKAidpQzjT9JAESIAESIAES6B0BJmq9O2U0mARIgARIgARIYCgEmKgN5UzTTxIgARIgARIggd4RYKLWu1NGg0mABEiABEiABIZCgInaUM40/SQBEiABEiABEugdASZqvTtlNJgESIAESIAESGAoBJioDeVM008SIAESIAESIIHeEWCi1rtTRoNJgARIgARIgASGQoCJ2lDONP0kARIgARIgARLoHQEmar07ZTSYBEiABEiABEhgKASYqA3lTNNPEiABEiABEiCB3hFgota7U0aDSYAESIAESIAEhkKAidpQzjT9JAESIAESIAES6B0BJmq9O2U0mARIgARIgARIYCgEmKgN5UzTTxIgARIgARIggd4RYKLWu1NGg0mABEiABEiABIZCgInaUM40/SQBEiABEiABEugdASZqvTtlNJgESIAESIAESGAoBP4P6YtdwLlZ4vIAAAAASUVORK5CYII=)
[1] Hybrid.
ד"ר אביגיל קוניקוב-ליבנה, קצינת אשראי ראשית
avigail.k@midroog.co.il
הקדמה
החל מספטמבר 2015 מידרוג מוסיפה את האינדיקטור(hyb) לסימול הדירוג של מכשירים פיננסיים היברידיים המונפקים על ידי בנקים וחברות ביטוח. בהתאם לתנאיהם, מכשירים היברידיים מאפשרים שמיטת תשלומי מתוכננים. בנוסף, ייתכן כי תנאיהם של מכשירים פיננסיים היברידיים יאפשרו ביצוע "מחיקות" של הקרן.
במצבים מסוימים, כגון מחיקת קרן,מכשירים היברידיים יוגדרו כחוב פגום בהתאם להגדרות במסמך סולמות הדירוג והגדרות הדירוג של מידרוג. הדירוג לזמן ארוך יחד עם האינדיקטור (hyb) משקף את סיכון האשראי היחסי של ההתחייבות.
בנקים וחברות ביטוח כפופים לרגולטורים,אשר עלולים לכפות הפסדים על מחזיקי המכשירים ההיברידיים בקרות אירועים מסוימים וזאת בשל המאפיינים ההוניים של מכשירים אלו. מטרת הוספת האינדיקטור הינה לאותת כי דירוג מכשירים מסוג זה עלול להיות תנודתי בשל האופי האקסוגני והאי ודאי של התערבות הרגולטור ו/או המדינה, וזאת בנוסף למאפיינים ההוניים של המכשירים עצמם.
יצויין כי מכשירי חוב נדחים, אשר נדחים בפירוק בלבד, ולא כוללים תנאים המאפשרים דחיית תשלומים ו/או מחיקות קרן לא מסומנים באינדיקטור זה.
עוד יצויין כי נכון למועד כתיבת מסמך זה, הוספת האינדיקטור (hyb) למכשירים פיננסיים היברידיים הינה על בסיס תנאי המכשירים, אך ייתכן כי בעתיד תישקל הוספת אינדיקטור זה אף למכשירים שאינם כוללים דחיית תשלומים ו/או מחיקות קרן וזאת במידה והם עלולים לספוג הפסד כחלק ממנגנון התערבות של הרגולטור ו/או המדינה.
לרשימה המעודכנת של המכשירים הפיננסיים ההיברידיים המדורגים במידרוג בדירוג פומבי ולהם התווסף האינדיקטור (hyb), הנכם מוזמנים לעיין באתר מידרוג: www.midroog.co.il. בנספח מצורפת טבלה עם רשימת המכשירים להם התווסף האינדיקטור (hyb) נכון ל-7/12/2015. נספח - רשימת המכשירים להם התווסף האינדיקטור (hyb)ודירוגם מפורסם באתר מידרוג, נכון ל-7/12/15
[1] Hybrid.