Estudio sobre el fraude a través de Internet (3er trimestre de 2010)
Transcript of Estudio sobre el fraude a través de Internet (3er trimestre de 2010)
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Ntp~`mk tkl|n nc e|g~`n g p|gut`n Mbpn|bnp
4n| p|mjntp|n `n
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Ntp~`mk tkl|n nc e|g~`n g p|gut `n Mbpn|bnp &4n| p|mjntp|n Ntqgg `n D|ngpmun Dkjjkbt# } qk| ncck ntpg qn|jmpm`k dkqmg|# `mtp|ml~m|dkj~bmdg| qlcmdgjnbpn ntpg kl|g lghk cgt dkb`mdmkbnt tmi~mnbpn
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\ndkbkdmjmnbpk8 Nc dkbpnbm`k `n ntpn mbek|jn tn q~n`n |nq|k`~dm| pkpgc k qg|dmgcjnbpn qk| pn|dn|kt# dmpgb`k tq|kdn`nbdmg } fgdmnb`k |nen|nbdmg nvq|ntg pgbpk g MBPNDK dkjk g t~ tmpmk ynl8 yyy"mbpndk"nt" @mdfk|ndkbkdmjmnbpk bk qk`| nb bmbib dgtk t~in|m| w~n MBPNDK q|ntpg gqk}k g `mdfk pn|dn|k k gqk}g nc ~tk w~n fgd`n t~ kl|
~
ng"
^tk Bk Dkjn|dmgc8 Nc jgpn|mgc k|mimbgc } ckt p|glghkt `n|mug`kt q~n`nb tn| `mtp|ml~m`kt# dkqmg`kt } nvfmlm`kjmnbp|gt t~ ~tk bk pnbig embnt dkjn|dmgcnt
t"
tg
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Gc |n~pmcmxg| k `mtp|ml~m| cg kl|g# pmnbn w~n `nhg| lmnb dcg|k ckt p|jmbkt `n cg cmdnbdmg `n ntpg kl|g" Gci~bg `n ntpgdkb`mdmkbnt q~n`n bk gqcmdg|tn tm tn klpmnbn nc qn|jmtk `n MBPNDK dkjk pmp~cg| `n ckt `n|ndfkt `n g~pk|" Bg`g nb ntpcmdnbdmg jnbktdglg k |ntp|mbin ckt `n|ndfkt jk|gcnt `n MBPNDK" fppq8++d|ngpmundkjjkbt"k|i+cmdnbtnt+l}*bd+
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Ntp~`mk tkl|n nc e|g~`n g p|gut `n Mbpn|bnp &4n| p|mjntp|n
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Q^BPKT DCGUN
Nc Kltn|ugpk|mk `n cg Tni~|m`g` `n cg Mbek|jgdmb q~lcmdg nc Ntp~`mk tkl|n nc e|g~`n gp|gut `n Mbpn|bnp &4n| p|mjntp|n `n 46 nbd~ntpgt } 6"645 gbcmtmt kbcmbn g ckt 9"4>7
nw~mqkt w~n dkjqkbnb nc qgbnc"
Tn nvqkbnb g dkbpmb~gdmb ckt q~bpkt dcgun `nc ntp~`mk"
M Tni~|m`g` } e|g~`n kbcmbn
Nb nc pn|dn| p|mjntp|n `n 4#7. `n ckt ~t~g|mkt `n Mbpn|bnp ntqgkcnt `ndcg|g
fgln| t~e|m`k gci~bg tmp~gdmb `n mbpnbpk `n e|g~`n &bk dkbt~jg`k- g p|gut `n Mbpn|bnp k
`nc pncekbk jumc" Nb gjlkt dgtkt# ckt gpgdgbpnt ~pmcmxgb `men|nbpnt pdbmdgt `n
mbinbmn|g tkdmgc qg|g mbpnbpg| dkbt~jg| ~bg ntpgeg"
G p|gut `n cg \n`# ckt ~t~g|mkt |ndmlnb nb jg}k| q|kqk|dmb qnpmdmkbnt qg|g umtmpg|
gci~bg qimbg ynl tktqndfktg &~b 44#
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Ntp~`mk tkl|n nc e|g~`n g p|gut `n Mbpn|bnp &4n| p|mjntp|n `n 40Kltn|ugpk|mk `n cg Tni~|m`g` `n cg Mbek|jgdmb
Ckt ~t~g|mkt w~n t~e|nb qn|h~mdmk ndkbjmdk `nlm`k g ~b mbpnbpk `n e|g~`n nb nc 4 n|
p|mjntp|n `n #7.-# e|nbpn g ~b =0#=. w~n `ndcg|g bk fgln|
qn|dmlm`k bmbib mjqgdpk nb t~ ndkbkjg" @nbp|k `nc q|mjn| i|~qk# tn gbgcmxg nc mjqk|pn
`ne|g~`g`k# pnbmnb`k nb d~nbpg w~n 011 n~|kt nt cg d~gbpg w~n cg Cn} ntpglcndn qg|g
`mtpmbi~m| nbp|n egcpg } `ncmpk" Nb ckt dgtkt nb ckt w~n nc e|g~`n ccnig g dkbt~jg|tn# cg
d~gbpg ndkbjmdg nt qnw~ng8 mben|mk| g 011 n~|kt nb nc 61#5. `n ckt dgtkt } qk|
`nlghk `n 711 n~|kt nb nc 0." Ntpg pnb`nbdmg nt dkbtpgbpn nb nc pmnjqk"
7 Nc |ki~nyg|n k |ki~n tkepyg|n nt ~b pmqk `n jgcyg|n d~}g q|mbdmqgc embgcm`g` nt fgdn| d|nn| g cg udpmjg w~n ntpmbendpg`g qk| gcib pmqk `n um|~t# mb`~dmnb`k g qgig| ~bg `npn|jmbg`g t~jg `n `mbn|k qg|g ncmjmbg|ck"
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7 MBP\K@^DDMB ] KLHNPMUKT
7"7 Q|ntnbpgdmb
7"7"7 Mbtpmp~pk Bgdmkbgc `n Pndbkckigt `n cg Dkj~bmdgdmb
Nc Mbtpmp~pk Bgdmkbgc `n Pndbkckigt `n cg Dkj~bmdgdmb# T"G" &MBPNDK-# nt ~bg
tkdmn`g` ntpgpgc g`td|mpg gc Jmbmtpn|mk `n Mb`~tp|mg# P~|mtjk } Dkjn|dmk g p|gut `n cg
Tnd|npg|g `n Ntpg`k `n Pncndkj~bmdgdmkbnt } qg|g cg Tkdmn`g` `n cg Mbek|jgdmb"
MBPNDK nt ~b dnbp|k `n `ntg||kcck `n dg|dpn| mbbkug`k| } `n mbpn|t qlcmdk `n jlmpk
bgdmkbgc w~n tn k|mnbpg g cg gqk|pgdmb `n ugck|# g cg mb`~tp|mg } g ckt ~t~g|mkt# } g cg
`me~tmb `n cgt b~nugt pndbkckigt `n cg mbek|jgdmb } cg dkj~bmdgdmb &PMD- nb Ntqgg#
nb dcg|g tmbpkbg dkb N~|kqg"
T~ klhnpmuk e~b`gjnbpgc nt tn|um| dkjk mbtp|~jnbpk qg|g `ntg||kccg| cg Tkdmn`g` `n cg
Mbek|jgdmb# dkb gdpmum`g`nt q|kqmgt nb nc jlmpk `n cg mbbkugdmb } nc `ntg||kcck `n
q|k}ndpkt gtkdmg`kt g cgt PMD# lgtb`ktn nb p|nt qmcg|nt e~b`gjnbpgcnt8 cg mbuntpmigdmb
gqcmdg`g# cg q|ntpgdmb `n tn|umdmkt } cg ek|jgdmb"
Cg jmtmb `n MBPNDK nt gqk|pg| ugck| n mbbkugdmb g ckt dm~`g`gbkt# g cgt Q]JNT# g cgt
G`jmbmtp|gdmkbnt Qlcmdgt } gc tndpk| `n cgt pndbkckigt `n cg mbek|jgdmb# g p|gut `nc
`ntg||kcck `n q|k}ndpkt w~n dkbp|ml~}gb g |nek|xg| cg dkbemgbxg nb ckt tn|umdmkt `n cgTkdmn`g` `n cg Mbek|jgdmb nb b~ntp|k qgt# q|kjkumnb`k g`njt ~bg cbng `n
qg|pmdmqgdmb mbpn|bgdmkbgc"
Qg|g ncck# MBPNDK `ntg||kccg gdp~gdmkbnt nb cgt tmi~mnbpnt cbngt8
Tni~|m`g` Pndbkcimdg8 MBPNDK ntp dkjq|kjnpm`k dkb cg q|kjkdmb `n
tn|umdmkt `n cg Tkdmn`g` `n cg Mbek|jgdmb dg`g unx jt tni~|kt# w~n q|kpnhgb
ckt `gpkt qn|tkbgcnt `n ckt mbpn|ntg`kt# t~ mbpmjm`g`# cg mbpni|m`g` `n t~
mbek|jgdmb } numpnb gpgw~nt w~n qkbigb nb |mntik ckt tn|umdmkt q|ntpg`kt" ] qk|
t~q~ntpk w~n ig|gbpmdnb ~b d~jqcmjmnbpk ntp|mdpk `n cg bk|jgpmug cnigc nb jgpn|mg`n PMD" Qg|g ncck dkk|`mbg `mtpmbpgt mbmdmgpmugt qlcmdgt nb pk|bk g cg tni~|m`g` `n
cgt PMD# w~n tn jgpn|mgcmxgb nb cg q|ntpgdmb `n tn|umdmkt qk| qg|pn `nc
Kltn|ugpk|mk `n cg Tni~|m`g` `n cg Mbek|jgdmb# nc Dnbp|k `n \ntq~ntpg g
Mbdm`nbpnt `n Tni~|m`g` nb Pndbkckigt `n cg Mbek|jgdmb &MBPNDK*DN\P- dkb
t~ Dnbp|k @njktp|g`k| `n Pndbkckigt `n Tni~|m`g`# } cg Kemdmbg `n Tni~|m`g`
`nc Mbpn|bg~pg# `n ckt w~n tn lnbnemdmgb dm~`g`gbkt# Q]JNT# G`jmbmtp|gdmkbnt
Qlcmdgt } nc tndpk| pndbkcimdk"
Gddntmlmcm`g 8 MBPNDK q|kj~nun tn|umdmkt `n cg Tkdmn`g` `n cg Mbek|jgdmbjt gddntmlcnt# w~n t~q|mjgb cgt lg||n|gt `n nvdc~tmb# d~gcw~mn|g w~n tng cg
`memd~cpg` k dg|nbdmg pdbmdg# ek|jgpmug# npd"# mbdc~tk `mtdgqgdm`g`# w~n pnbigb t~t
Ntp~`mk tkl|n nc e|g~`n g p|gut `n Mbpn|bnp &4n| p|mjntp|n
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~t~g|mkt" ] w~n egdmcmpnb cg mbpni|gdmb q|ki|ntmug `n pk`kt ckt dkcndpmukt `n
~t~g|mkt# `n jk`k w~n pk`kt ncckt q~n`gb lnbnemdmg|tn `n cgt kqk|p~bm`g`nt w~n
ke|ndn cg Tkdmn`g` `n cg Mbek|jgdmb" Gtmjmtjk `ntg||kccg q|k}ndpkt nb nc jlmpk
`n cg gddntmlmcm`g` k|mnbpg`kt g ig|gbpmxg| nc `n|ndfk `n dm~`g`gbkt } njq|ntgt
g |ncgdmkbg|tn ncndp|bmdgjnbpn dkb cgt GG"QQ"
Dgcm`g` PMD8 MBPNDK q|kj~nun ~bkt tn|umdmkt `n cg Tkdmn`g` `n cg Mbek|jgdmb
w~n dg`g unx tngb `n jg}k| dgcm`g`# w~n ig|gbpmdnb ~bkt g`nd~g`kt bmuncnt `n
tn|umdmk# ck d~gc tn p|g`~dn nb ~bg jg}k| |kl~tpnx `n gqcmdgdmkbnt } tmtpnjgt# ~b
dkjq|kjmtk nb cg `mtqkbmlmcm`g` } ckt pmnjqkt `n |ntq~ntpg# ~b g`nd~g`k tkqk|pn
qg|g ckt ~t~g|mkt# ~bg mbek|jgdmb q|ndmtg } dcg|g tkl|n cg nukc~dmb `n cgt
e~bdmkbgcm`g`nt `n ckt tn|umdmkt# } nb |nt~jnb# tn|umdmkt dg`g unx jnhk|nt" Nb
ntpg cbng mjq~ctg cg dkjqnpmpmum`g` `n cg mb`~tp|mg `nc Tkepyg|n g p|gut `n cgq|kjkdmb `n cg jnhk|g `n cg dgcm`g` } cg dn|pmemdgdmb `n cgt njq|ntgt }
q|kentmkbgcnt n cg mbinbmn|g nc tkepyg|n"
Ek|jgdmb8 cg ek|jgdmb nt ~b egdpk| `npn|jmbgbpn qg|g cg gp|gddmb `n pgcnbpk }
qg|g cg jnhk|g `n cg dkjqnpmpmum`g` `n cgt njq|ntgt" Qk| ncck# MBPNDK mjq~ctg cg
ek|jgdmb `n ~bmun|tmpg|mkt } q|kentmkbgcnt nb cgt pndbkckigt jt `njgb`g`gt
qk| cg mb`~tp|mg"
7"7"< Kltn|ugpk|mk n cg Tni~|m`g` `n cg Mbek|jgdmb
Nc Kltn|ugpk|mk `n cg Tni~|m`g` `n cg Mbek|jgdmb tn mbtn|pg `nbp|k `n cg cbng ntp|gpimdg
`n gdp~gdmb `n MBPNDK nb jgpn|mg `n Tni~|m`g` Pndbkcimdg" Bgdn dkb nc klhnpmuk `n
`ntd|mlm| `n jgbn|g `npgccg`g } tmtpnjpmdg nc bmunc `n tni~|m`g` } dkbemgbxg nb cg
Tkdmn`g` `n cg Mbek|jgdmb } `n inbn|g| dkbkdmjmnbpk ntqndmgcmxg`k nb cg jgpn|mg" @n
ntpn jk`k# tn nbd~nbp|g gc tn|umdmk `n ckt dm~`g`gbkt# cgt njq|ntgt } cgtg`jmbmtp|gdmkbnt qlcmdgt ntqgkcgt qg|g `ntd|mlm|# gbgcmxg|# gtntk|g| } `me~b`m| cg d~cp~|g
`n cg tni~|m`g` `n cg mbek|jgdmb } cg n*dkbemgbxg"
Nc Kltn|ugpk|mk fg `mtng`k ~b Qcgb `n Gdpmum`g`nt } Ntp~`mkt dkb nc klhnpk `n q|k`~dm|
dkbkdmjmnbpk ntqndmgcmxg`k } pmc nb jgpn|mg `n tni~|m`g` qk| qg|pn `n MBPNDK# gt
dkjk `n ncglk|g| |ndkjnb`gdmkbnt } q|kq~ntpgt w~n `nembgb pnb`nbdmgt ucm`gt qg|g cg
pkjg `n `ndmtmkbnt e~p~|gt qk| qg|pn `n ckt qk`n|nt qlcmdkt"
@nbp|k `n ntpn qcgb `n gddmb tn |ngcmxgb cglk|nt `n mbuntpmigdmb# gbcmtmt# ntp~`mk#gtntk|gjmnbpk } `mu~cigdmb w~n gpnb`n|b# nbp|n kp|gt# g cgt tmi~mnbpnt ntp|gpnimgt8
Ntp~`mk tkl|n nc e|g~`n g p|gut `n Mbpn|bnp &4n| p|mjntp|n
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Ncglk|gdmb `n ntp~`mkt n mbek|jnt q|kqmkt nb jgpn|mg `n tni~|m`g` `n cgt
Pndbkckigt `n cg Mbek|jgdmb } cg Dkj~bmdgdmb# dkb ntqndmgc begtmt nb cg
Tni~|m`g` nb Mbpn|bnp"
Tni~mjmnbpk `n ckt q|mbdmqgcnt mb`mdg`k|nt } qkcpmdgt qlcmdgt |ncgdmkbg`gt dkb cg
tni~|m`g` `n cg mbek|jgdmb } cg dkbemgbxg nb nc jlmpk bgdmkbgc n mbpn|bgdmkbgc"
Inbn|gdmb `n ~bg lgtn `n `gpkt w~n qn|jmpg nc gbcmtmt } nugc~gdmb `n cg
tni~|m`g` } cg dkbemgbxg dkb ~bg qn|tqndpmug pnjqk|gc"
Mjq~ctk `n q|k}ndpkt `n mbuntpmigdmb nb jgpn|mg `n tni~|m`g` PMD"
@me~tmb `n ntp~`mkt n mbek|jnt q~lcmdg`kt qk| kp|gt nbpm`g`nt } k|igbmtjkt
bgdmkbgcnt n mbpn|bgdmkbgcnt# gt dkjk `n mbek|jgdmb tkl|n cg gdp~gcm`g`
bgdmkbgc } n~|kqng nb jgpn|mg `n cg tni~|m`g` } dkbemgbxg nb cg Tkdmn`g` `n cg
Mbek|jgdmb"
Gtntk|gjmnbpk g cgt G`jmbmtp|gdmkbnt Qlcmdgt nb jgpn|mg `n tni~|m`g` `n cg
mbek|jgdmb } dkbemgbxg# gt dkjk nc gqk}k g cg ncglk|gdmb# tni~mjmnbpk }
nugc~gdmb n qkcpmdgt qlcmdgt nb ntpn jlmpk"
7"< Ntp~`mk tkl|n nc e|g~`n g p|gut `n Mbpn|bnp
Nc Ntp~`mk tkl|n nc e|g~`n g p|gut `n Mbpn|bnpqn|jmpn gbgcmxg| `n jgbn|g nukc~pmug cktmbpnbpkt `n e|g~`n g p|gut `n cg \n` w~n fgb t~e|m`k ckt ~t~g|mkt# cgt ek|jgt g`kqpg`gt
qk| nc |njmpnbpn k|minb `n cg dkj~bmdgdmb tktqndfktg `n tn| e|g~`~cnbpg } dkjk
dkbtnd~nbdmg# nc mjqgdpk ndkbjmdk t~e|m`k" Nc q|ntnbpn mbek|jn dkbtpmp~}n cg > nbp|nig
`nc jmtjk"
Jn`mgbpn `gpkt njq|mdkt klpnbm`kt g p|gut `n mTdgb# tn gbgcmxg cg mbdm`nbdmg `n
jgcyg|n ntqndemdk qg|g cg dkjmtmb `n e|g~`n" Tn j~ntp|gb ckt |nt~cpg`kt `n
k|`nbg`k|nt w~n dkbpmnbnb d`mik jgcmdmktk `ntpmbg`k g mbpn|dnqpg| d|n`nbdmgcnt `n
lgbdg g p|gut `n Mbpn|bnp"
Tn j~ntp|g pgjlmb cg mbec~nbdmg `nc mbpnbpk `n e|g~`n nb cg jk`memdgdmb `n ckt flmpkt
`n ckt ~t~g|mkt g cg fk|g `n ~pmcmxg| nc dkjn|dmk ncndp|bmdk } cg lgbdg nb cbng } cg n*
dkbemgbxg w~n cnt inbn|g ntpkt flmpkt p|gt t~e|m| ~b mbpnbpk `n e|g~`n"
Ntp~`mk tkl|n nc e|g~`n g p|gut `n Mbpn|bnp &4n| p|mjntp|n
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Ntp~`mk tkl|n nc e|g~`n g p|gut `n Mbpn|bnp &4n| p|mjntp|n 7=
4n| p|mjntp|n
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Pglcg "50=
Enl1= 0"4
Jg|1= 0"5=>
Gl|1= 0"=>0
Jg}1= 0"599H~b1= 0"7
Jg|71 0"1
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Ntp~`mk tkl|n nc e|g~`n g p|gut `n Mbpn|bnp &4n| p|mjntp|n q|k`~dpkt
`n ckt 05 dkbtm`n|g`kt }# g`njt# gc jnbkt ~bk `n ncckt `nln| tn| gci~bk
`n ntpkt 77 jkpk|nt nvmim`kt"
Dkbp|gtpn dkb lgtnt `n `gpkt `n tkepyg|n dkbkdm`k } `n emdfn|kt mbkd~kt
MBPNDK jgbpmnbn ~bg lgtn `n `gpkt `n tkepyg|n `n egl|mdgbpnt dkbemglcnt } `n
e|nnyg|n0 } tfg|nyg|n> dkbem|jg`k dkjk mbkd~k" Pk`kt ckt nhnjqcg|nt w~n tmi~nb
tmnb`k `npndpg`kt p|gt cgt `kt q|mjn|gt dgqgt `n emcp|g`k tkb dkjqg|g`kt dkb ntpg lgtn
`n `gpkt qg|g ncmjmbg| jt egctkt qktmpmukt"
4 Tkepyg|n } emdfn|kt cnipmjkt# g|dfmukt mbkd~kt"0 Tkepyg|n i|gp~mpk"> Tkepyg|n `n `ntdg|ig i|gp~mpg qn|k cmjmpg`k nb e~bdmkbgcm`g` k pmnjqk `n ~tk"
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@n mi~gc ek|jg# ckt emdfn|kt tkb dkbp|gtpg`kt dkb cg ntpg`k~bm`nbtn Bgpmkbgc Tkepyg|n
\nen|nbdn Cml|g|} `nc BMTP &Bgpmkbgc Mbtpmp~pn ke Tpgb`g|`t gb` Pndfbkcki}-# lgtn `n
`gpkt `n tkepyg|n dkbkdm`k" Tm tn `npndpgtn w~n gci~bk `n ckt emdfn|kt tngcg`kt qk|
mTdgb ntp nb `mdfg lgtn `n `gpkt } bk ek|jg qg|pn `n ~b omp `n fgdombi k d|gdombi# nc
g|dfmuk bk tn| dkbtm`n|g`k dkjk jgcmdmktk"
Ncmjmbgdmb `n `npnddmkbnt dkbd|npgt } dk||nddmb `n dgpnik|gt mbdk||ndpgjnbpn
`npn|jmbg`gt
Tn ncmjmbg pk`g `npnddmb `n cg egjmcmg Gbbmfmcgpk| qk|w~n tn p|gpg `nc bkjl|n w~n
njqcngb gci~bkt gbpmum|~t qg|g `npndpg| &n||bngjnbpn- ckt emdfn|kt cnipmjkt `nc
gbpmum|~t Qgb`g" Cgt `npnddmkbnt YmbUBD } UBDUmny pgjlmb tkb t~q|mjm`gt q~nt
`ntmibgb ~bg fn||gjmnbpg `n intpmb |njkpg `n nw~mqkt w~n *j~} q|klglcnjnbpn* q~n`nfgln| tm`k mbtpgcg`g `ncmln|g`gjnbpn qk| nc ~t~g|mk"
Pk`kt ntpkt emcp|kt tkb jnhk|gt mjqk|pgbpnt `n dg|g g cg emglmcm`g` `nc ntp~`mk# qn|k bk
ncmjmbgb qk| dkjqcnpk cg q|klcnjpmdg `n ckt egctkt qktmpmukt &~bg q|klcnjpmdg mbfn|nbpn
g cg mb`~tp|mg gbpmum|~t-"
Qk| kp|k cg`k# gc nvmim| jt dkb`mdmkbnt `n dg|g g jg|dg| ~b emdfn|k dkjk jgcyg|n#
pgjlmb tn q~n`n ncnug| cg pgtg `n egctkt bnigpmukt" Tn p|gpg `n ~b dkjq|kjmtk nbp|n
dgqgdm`g` `n `npnddmb &~pmcmxgdmb `n ug|mkt gbpmum|~t- } `npnddmkbnt mbdk||ndpgt &egctkt
qktmpmukt-"
Nb d~gcw~mn| dgtk# g qntg| `n cg ek|pgcnxg `n cg fn||gjmnbpg mTdgb } `n cgt jn`m`gt
g`kqpg`gt qk| MBPNDK qg|g jmpmig| cg mbdm`nbdmg `n egctkt qktmpmukt# tn `nln q~bp~gcmxg|
w~n nvmtpnb kp|gt cmjmpgdmkbnt mbp|btndgt g cg jnpk`kckig njqcng`g w~n fgdnb w~n nc
gbcmtmt bk tng mbegcmlcn" Qk| ncck# g qntg| `nc |mik| } |kl~tpnx `nc gbcmtmt# ckt `gpkt w~n nc
mbek|jn ke|ndn d~nbpgb dkb ~b jg|inb `n n||k| w~n `g ~bg qn|tqndpmug `n ckt q|klcnjgt
gdp~gcnt g ckt w~n tn nbe|nbpg cg mb`~tp|mg `n tni~|m`g` g cg fk|g `n `ntg||kccg| t~t
q|ki|gjgt gbpmum|~t"
Ntp~`mk tkl|n nc e|g~`n g p|gut `n Mbpn|bnp &4n| p|mjntp|n
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7"5 N||k| j~ntp|gc
@n gd~n|`k dkb ckt d|mpn|mkt `nc j~ntp|nk gcngpk|mk tmjqcn qg|g ug|mglcnt `mdkpjmdgt nb
cgt w~n q:w:1#> } qg|g ~b bmunc `n dkbemgbxg `nc =>#>.# tn ntpglcndn ~b n||k| j~ntp|gc
mben|mk| g 7#9. nb dg`g ~bk `n ckt qn|k`kt gbgcmxg`kt# pgc } dkjk tn |ndkin nb cg
tmi~mnbpn pglcg"
Pglcg 48 N||k|nt j~ntp|gcnt `n cgt nbd~ntpgt &.-
Qn|k`k Pgjgk j~ntp|gc N||k| j~ntp|gc
7n| p|mjntp|n 7= 7#56.
4n| p|mjntp|n
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< TNI^\M@G@ ] E\G^@N KBCMBN
46 nb 4P71- E~nbpn8 MBPNDK
Nb tni~b`k c~ig| tn j~ntp|g cg mbdm`nbdmg w~n qn|dmlnb ckt ~t~g|mkt `n tmp~gdmkbnt `n
e|g~`n g p|gut `n Mbpn|bnp" Cg qn|tqndpmug nukc~pmug `n ckt ugck|nt tn q~n`n gq|ndmg| nb
nc I|emdk
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G dkbpmb~gdmb tn ntp~`mg cg mbdm`nbdmg `n tmp~gdmkbnt `n e|g~`n `ndcg|g`g qk| ckt
nbd~ntpg`kt# nb ntpn dgtk g p|gut `nc pncekbk jumc# q|ntnbpb`ktn nb nc I|emdk 4 cg
nukc~dmb `n ckt ugck|nt"
^b 6. `n ckt nbd~ntpg`kt fg |ndmlm`k jnbtghnt dk|pkt `n pnvpk ken|pgb`k tn|umdmkt bk
tkcmdmpg`kt" Dkb ugck|nt jt |n`~dm`kt# ckt ~t~g|mkt `ndcg|gb tn| ckt `ntpmbgpg|mkt `n
dkj~bmdgdmkbnt w~n tkcmdmpgb t~t dcgunt `n ~t~g|mk# lmnb g p|gut `n ~bg ccgjg`g
pncnebmdg &~b 4#5.-# lmnb g p|gut `n ~b jnbtghn `n pnvpk &7#=.-"
@nt`n nc q|mjn| p|mjntp|n `n .
.
01.
0>.
>1.
7P1=
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I|emdk >8 Nukc~dmb `nc e|g~`n dkb mjqgdpk ndkbjmdk qg|g nc ~t~g|mk &.-
=5#>. =5#9. =5#. 4#4. 4#6. 4#6. 4#
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I|emdk 58 Nukc~dmb `n cg d~gbpg ndkbjmdg `n|mug`g `nc e|g~`n &.-
99#
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Ntp~`mk tkl|n nc e|g~`n g p|gut `n Mbpn|bnp &4n| p|mjntp|n
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mbendpg`k qk| ntpn pmqk `n p|k}gbk? g`njt# nc ntqdmjnb w~n mbendp cg jw~mbg fg `n
gpgdg| g cg nbpm`g` lgbdg|mg dkb cg w~n kqn|g nc ~t~g|mk? qk| cpmjk# nc dm~`g`gbk fg `n
mbmdmg| tntmb nb t~ ntqgdmk `n lgbdg ncndp|bmdg } |nccnbg| ckt `gpkt g`mdmkbgcnt w~n tn
cn tkcmdmpnb" @nc jmtjk jk`k# qg|g w~n tn q|k`~xdg nendpmugjnbpn nc e|g~`n qk|
|ki~nyg|n# nc ~t~g|mk `nln w~n`g| mbendpg`k qk| ntn pmqk `n p|k}gbk } g`njt qgig| cg
cmdnbdmg nc tkepyg|n jgcmdmktk"
J~dfkt nw~mqkt q~n`nb qgtg| jntnt mbendpg`kt fgtpg w~n tn `gb pk`gt ntpgt
dm|d~btpgbdmgt# k q~n`n w~n mbdc~tk nc ~t~g|mk b~bdg kqn|n dkb t~ pg|hnpg k bk ccni~n g
|nccnbg| pk`kt ckt `gpkt nvp|g tkcmdmpg`kt qk| nc p|k}gbk } qk| pgbpk nc e|g~`n bk tng
dkbt~jg`k"
Dkjk j~ntp|g nc I|emdk 6# nb tnqpmnjl|n `n #6. t~e|n ~bg mbenddmb qk|
|ki~nyg|n"
Gpnb`mnb`k g cg nukc~dmb fmtp|mdg `n ckt ugck|nt# cg pnb`nbdmg `n nw~mqkt w~n gckhgb
p|k}gbkt &bk ntqndemdgjnbpn `n`mdg`kt gc |klk `n d|n`nbdmgcnt lgbdg|mgt- tn j~ntp|g
lgtpgbpn ntpglcn nb nc pmnjqk"
Nb nc dgtk `n ckt nw~mqkt mbendpg`kt qk| p|k}gbkt lgbdg|mkt# qg|ndn dkbem|jg|tn `n
b~nuk cg dkbtpgbdmg nb ckt ugck|nt &~b 9. nb tnqpmnjl|n `n
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I|emdk 68 Nukc~dmb `n nw~mqkt w~n gckhgb p|k}gbkt lgbdg|mkt } |ki~nyg|n &.-
4>#0. 40#9. 4>#9. 4>#5. 4>#1. 40#=. 40#5. 40##1. >#1. >#6.
9#7.9#6.6#5.=#.71#9.
5#4.9#5.9#1.9#. nb pk`kt ckt dgtkt } tmb
gq|ndmg|tn `men|nbdmgt |ncnugbpnt nbp|n gw~ncckt w~n fgb t~e|m`k q|`m`gt ndkbjmdgt }
ckt w~n bk"
Nb d~gbpk g ckt p|nt cpmjkt flmpkt `n cg |ncgdmb# ntpkt tkb jnbkt g`kqpg`kt nb
p|jmbkt inbn|gcnt" Tn kltn|ug djk gci~bkt `n ntpkt dkjqk|pgjmnbpkt q|~`nbpnt fgb
tm`k g`kqpg`kt nb jg}k| jn`m`g qk| ckt ~t~g|mkt w~n fgb tm`k ntpgeg`kt# } kp|kt nb
dgjlmk# qk| gw~ncckt w~n bk" Nb ntpn tnbpm`k# dgln tngcg|8
Tmnjq|n pndcnk cg `m|nddmb ynl8 ntpn flmpk q|~`nbpn nt jt tni~m`k qk| ckt
~t~g|mkt w~n `ndcg|gb fgln| t~e|m`k qn|h~mdmk ndkbjmdk nc 56.# e|nbpn gc >=#7.
`n ckt w~n bk"
Qgik jn`mgbpn pg|hnpg lgbdg|mg q|nqgik k pg|hnpg*jkbn`n|k8 `n ckt ~t~g|mkt w~n|nimtp|g|kb q|`m`gt g dkbtnd~nbdmg `nc e|g~`n# nc 59#6. ~pmcmxg ntpkt jn`mkt `n
qgik# e|nbpn gc 06#9. `n ckt ~t~g|mkt w~n bk p~umn|kb ntn mjqgdpk nb t~
Ntp~`mk tkl|n nc e|g~`n g p|gut `n Mbpn|bnp &4n| p|mjntp|n
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ndkbkjg" Pgbpk nb ntpn dgtk dkjk nb nc gbpn|mk|# fgln| tm`k udpmjg `n ~b
qn|h~mdmk ndkbjmdk mjqcmdg jg}k| q|~`nbdmg g cg fk|g `n ~pmcmxg| tn|umdmkt `n
lgbdg kbcmbn k dkjn|dmk ncndp|bmdk"
Egdmcmpk `gpkt+dkbp|gtngt qk| njgmc k pncekbk &nb `ntgd~n|`k-8 ~b 96#7. `n ckt
w~n bk fgb nvqn|mjnbpg`k q|`m`gt ndkbjmdgt `ndcg|gb ntpg| nb `ntgd~n|`k
dkb ntpg gem|jgdmb# e|nbpn g ~b >0#4. `n ckt w~n t" Nb ntpn dgtk# bk tn d~jqcn
cg jmtjg |ncgdmb w~n nb ckt `kt gbpn|mk|nt } tkb ckt nbd~ntpg`kt w~n bk fgb
t~e|m`k qn|h~mdmk ndkbjmdk w~mnbnt g`kqpgb ntpn flmpk jg}k|mpg|mgjnbpn"
I|emdk =8 Flmpkt q|~`nbpnt |ncgdmkbg`kt dkb lgbdg nb cbng } dkjn|dmk ncndp|bmdk nbp|n
ckt ~t~g|mkt w~n fgb tm`k udpmjg `n qn|h~mdmk ndkbjmdk qk| nc e|g~`n t~e|m`k } ckt w~n bk
&.-
>0#4.
59#6.
56#1.
61#1.
64#=.
60#=#7.
9=#7.
9>#6.
64#
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Nb nc dgtk `n ckt w~n bk fgb tm`k udpmjgt# ~b >7#7. `nqktmpg j~dfg } lgtpgbpn
dkbemgbxg nb cg lgbdg nb cbng } ~b 00#>. nb cg dkjq|g*unbpg nb cg \n`"
Cg jg}k| dkbemgbxg `n ckt ~t~g|mkt `nc q|mjn| i|~qk q~n`n `nln|tn g w~n ntpkt ~t~g|mkttkb bgunigbpnt jt mbpnbtmukt } qk| pgbpk ~tgb jt ntpkt tn|umdmkt# t~e|nb jt
mbpnbpkt `n e|g~`n# } dkbegb jt"
I|emdk 718 Bmunc `n dkbemgbxg nbp|n ckt ~t~g|mkt w~n fgb tm`k udpmjg `n mbpnbpk `n e|g~`n
}+k fgln| t~e|m`k qn|h~mdmk ndkbjmdk } ckt w~n bk &.-
>6#5.>7#7. >7#1.
00#>.
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I|emdk 778 Jk`memdgdmb `n flmpkt `n dkjn|dmk ncndp|bmdk p|gt t~e|m| mbpnbpk &bk
dkbt~jg`k- `n e|g~`n &.-
6
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I|emdk 7. =1#1. =1#4. 6=#0. =1#.
6#4. 9#
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W~ `gpkt ke|ndnb ckt gbcmtmt njq|mdkt;
Ckt ntdgbnkt |ngcmxg`kt g p|gut `n cg fn||gjmnbpg mTdgb mb`mdgb w~n `~|gbpn ntpn
p|mjntp|n |nq~bpg cg q|kqk|dmb `n nw~mqkt w~n gckhgb p|k}gbkt# fgtpg nc 46#9. nbtnqpmnjl|n `n
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I~g|`g| k mjq|mjm| cg mbek|jgdmb d~gb`k tn |ngcmxg ~bg kqn|gdmb ndkbjmdg g
p|gut `n cg \n`"
Cmjmpg| cg mbek|jgdmb qn|tkbgc w~n tn q|kqk|dmkbg nb cgt |n`nt tkdmgcnt"
^tg| q|ki|gjgt `n tni~|m`g` nb ckt nw~mqkt nb ckt w~n tn |ngcmdnb kqn|gdmkbnt g
p|gut `n Mbpn|bnp"
@mtqkbn| `n ckt q|ki|gjgt `n tni~|m`g` gdp~gcmxg`kt nb pk`k jkjnbpk"
G cg fk|g `n dkbndpg|tn g ~bg |n` qlcmdg tn `nln tn| q|~`nbpn# }g w~n q~n`n
nvmtpm| d~gcw~mn| qn|tkbg dkbndpg`g dgqp~|gb`k cgt dkbnvmkbnt w~n qgtgb qk|
nccg"
Pnbn| q|ndg~dmb g cg fk|g `n `ntdg|ig| k gl|m| g|dfmukt g`h~bpkt"
Jgbpnbn|tn mbek|jg`k tkl|n d~ntpmkbnt `n tni~|m`g` mbek|jpmdg# dkbkdn| ckt
|mntikt } cgt q|mbdmqgcnt gjnbgxgt `n cgt w~n q|kpnin|tn"
Cg dkcglk|gdmb `n ckt ~t~g|mkt g cg fk|g `n num`nbdmg| ~b mbpnbpk `n e|g~`n nt q|mjk|`mgc
qg|g qk`n| mbpn|dnqpg|ckt g pmnjqk } qk`n| ckdgcmxg| c~ig|nt `nt`n `kb`n tn q~lcmdgb
qimbgt# tn njmpnb jnbtghnt e|g~`~cnbpkt k `kb`n tn |ndmlnb ckt `gpkt dgqp~|g`kt"
Qg|g egdmcmpg| ntpg dkcglk|gdmb# cg Kemdmbg Tni~|m`g` `nc Mbpn|bg~pg &KTM- qkbn g
`mtqktmdmb `nc ~t~g|mk nc ek|j~cg|mk `n gcpg `n mbdm`nbpnt# `nt`n `kb`n tn q~n`n mb`mdg|
cgt nbpm`g`nt gendpg`gt } pk`g cg mbek|jgdmb `mtqkbmlcn tkl|n nc dgtk `n e|g~`n# } nc
pncekbk `n gtmtpnbdmg =17 777 7
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Ntp~`mk tkl|n nc e|g~`n g p|gut `n Mbpn|bnp &4n| p|mjntp|n 8 Nukc~dmb `nc e|g~`n dkb mjqgdpk ndkbjmdk qg|g nc ~t~g|mk &.- """""""""""""""""""
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B@MDN @N PGLCGT
Pglcg 78 Pgjgkt j~ntp|gcnt qg|g cgt nbd~ntpgt""""""""""""""""""""""""""""""""""""""""""""""""""""""""""""71
Pglcg
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Mbtpmp~pkBgdmkbgc`nPndbkckigt`ncgDkj~bmdgdmb
fppq8++yyy"mbpndk"nt
fppq8++kltn|ugpk|mk"mbpndk"nt
Dgbgc Pymppn| `nc Kltn|ugpk|mk `n cg Tni~|m`g` `n cg Mbek|jgdmb8
fppq8++pymppn|"dkj+Kltn|ugMBPNDK
Lcki `nc Kltn|ugpk|mk `n cg Tni~|m`g` `n cg Mbek|jgdmb8
fppq8++yyy"mbpndk"nt+lcki+Tni~|m`g`+Kltn|ugpk|mk+LckiTni~|m`g`+
kltn|ugpk|mkAmbpndk"nt
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