Search for one of the best online financial advisors or planners, or search for in-person advisors. Financial planning is a apply that helps you track and manage your cash with the purpose of reaching your financial targets. You may find that you are paying for unused subscriptions. Or realize you spend extra money eating out than you thought.
"Get your self organized by gathering all related financial paperwork, including your investment accounts, insurance insurance policies, money owed, and different property." This is where you solidify your abstract objectives to buy a home, pay for your children’s faculty or save enough for a cushty retirement. A strong plan ought to include how upcoming life modifications like a model new job or delivery of a kid will have an result on your financial image.
If you engage or have engaged Morgan Stanley, it's going to act as your dealer, unless you ask it, in writing, to act as your investment adviser on any particular account. https://www.nestworth.us/ lead with exceptional ideas, prioritize range and inclusion and find significant ways to offer back?all to contribute to a future that advantages our clients and communities. The international presence that Morgan Stanley maintains is essential to our clients' success, giving us keen insight throughout areas and markets, and permitting us to make a difference around the globe. We have global experience in market evaluation and in advisory and capital-raising companies for companies, institutions and governments. Our insightful analysis, advisory and investing capabilities give us unique and broad perspective on sustainability matters.

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By figuring out your monetary goals, you’ll have a transparent thought of what you should accomplish to make them occur. Your goals should be realistic and actionable and include a timeline of if you wish to accomplish them. Ben is the Retirement and Investing Editor for Forbes Advisor. With twenty years of business and finance journalism experience, Ben has covered breaking market information, written on equity markets for Investopedia, and edited private finance content for Bankrate and LendingTree. Emergencies are sudden, so having the additional funds available can help you pay for medical emergencies and different sudden payments. An emergency price range may also shield you towards racking up bank card debt and curiosity.

h2>Making Sensible Investments: A Beginner’s Information</h2>
Investopedia requires writers to make use of major sources to support their work. These embrace white papers, authorities data, authentic reporting, and interviews with industry consultants. We additionally reference authentic research from different reputable publishers the place acceptable.
Having a transparent image of your finances will make it easier to achieve any monetary objectives. A finances can help you understand where your cash goes every month. It can also help you identify where you could be overspending, giving you alternatives to chop back and allocate that money elsewhere. A well-thought-out plan not solely helps you meet your financial targets but may also map out an accessible course of action based mostly on your particular person circumstances.

ul> <li>Financial literacy empowers teenagers to make use of financial abilities, including personal financial administration, budgeting, and investing, to raised their financial futures.</li> <li>Experts usually suggest having six months’ value of dwelling bills saved to cushion you, should the unfortunate sudden occur, corresponding to losing a job.</li> <li>Financial planning is important to achieving long-term and short-term financial goals, whereas also getting ready you for potential future dangers and obligations.</li> <li>You probably started this year with a goal to improve your financial future in 2023.</li> <li>You in all probability won’t make perfect, linear progress toward achieving any of your objectives, however the important thing is to be constant.</li></ul>
But six months’ price of cash could be unattainable for these who could also be struggling financially, or these dwelling in tight financial means every month. In the annual New Year’s Resolutions Study from Allianz Life Insurance Company of North America, 29% of Americans stated their monetary situation is worse now than it was a yr in the past. What’s more, an increasing number of folks anticipate their monetary state of affairs to worsen in 2023.
"An emergency fund is typically a savings account that serves as a security web from unforeseen monetary difficulties that you may face throughout your life," Gilberti says. "Examples might embrace a job loss, disability, home equipment breaking, and more." While we personally don’t have management over some of the greatest financial worries, there are methods we can use to climate the risks and achieve a profitable retirement.

h3>On The Lookout For A Monetary Advisor?</h3>
See how we might help you're employed toward your goals?even as they evolve over years or generations. At Morgan Stanley, we focus the experience of the entire firm?our advice, knowledge, strategies and insights?on creating solutions for our shoppers, massive and small. From volatility and geopolitics to financial developments and funding outlooks, keep informed on the key developments shaping right now's markets. Match with a pre-screened financial advisor that's best for you. You may be better prepared for emergencies, like incapacity or financial trouble. Routinely contributing to an emergency fund is a good way to scale back monetary stress and stop your financial savings from being drained if bother arises.

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iVvCQLw4rSLc4Qvm+8LXRsfIXhG6kDn1hzzwmOSJ0gi1oTKFrwrdSOUJ1pte0Vj1URSVQF+UYzGdad948W6QBRrEUnaPqrjkekezyjHuBDk0p1384I+96CDAQuqeS1AwVkfwojEOGZ5ubxNj2QQ03M6SFNSzlwG035AJ7RZPMkjwAiKYVp5p7JeWCl5w3Nx0Ph7YiOWuK144wzS6XIJ7Om0RQlpaX6NtJQkD2nbmd+cWUlixSfHb3RNcKl1Oxu397lW7DQtnc5zh0OE4SSWipClb961olkmw3p2QIiUskpdCTskWN4ldPmU9n525xyc0hc7JXoMcYa0NapBJyrSmxYbAXMKGWEPTG4IbSNyR1hBTakzLOdjNO6AoXBPj4Q6KmkuBtTKkKbVspYULCIA45U4YQspZCnA2jQG7fStvHxcsEkEAFIN7iPAdkR3GplLh5WTvGTtEIbJBA9ph2UFuE21Jm7qXQSknaw5RH6g0l5e2yk+ESaZU5M2baCSedx0hlnZcMLU6RuRf3wocoyAmR2VDqSl9BSVEXI589osLIyeZkKvVsHPJSmXxDIKebK+frTH1AOuptTiumzZiIPIKmQs7q2uYfMHMqGLsPzyFqSWKmwVlH0lIVdB26iyzeNi1SeMxnoVyuooMQd60chaa8VbL+Asz5rFLqg/KK0lqWUBoQ8kKSSdt7pJ8vYQCZpwScUTc1M4lyhxKWmpGstKqlMJACRMoAS8kW5a0aFe1s7XJMfOP7D62arMuuMNuNkk2UkEE32No0+yvrgpmNqfW0MNoeYc7JOhsJSkrToCgALA76dvvz5xtMlYYyx3VcoaR28SsPCszi0pkknEszNSiRpUs2I98a2p2vqjZjPSWdqlOTPODvFF/faNa3W9JIVubxSK1WchY+do+K0pFz8Y+2gURfaECeeFj0nmbeUfbHwj7YDkOcCN+cIULwoX6R6bSeUegkGPWg22PUQJpK+akIuFKAsL26wplXAtN0jUBYXTvYx1M9Ffh6g1TICuzNVodPnHk4rmkByYlkOKCRKypAuoE2uTt5mNWvSSU+RpnFNPStOkmJVkUWnq7NhsNouULubJ2jz62a9iuWqanS4gIdCC7fu4PyfLH/N6qbui1gk8itamZhhpYQt1sEGxuR+WJFT3EOAFC0AeIN/fHVH0euGsO1DhYwzMz9Apsy8Zmfu49KtrUf0S5bcjyEaSZ2YGqWN+MnFWXeEpJtM3VsTepSjSGwltsKSkqUQLaUITqWq3RJiTTvaRTXa+V9nfD3YpA4ueXZBDTgnGBgefUp7oi1od6qqJRwJKQFgqUQlCfvleA6w9BRlHEsziVMOLGpCXUlBWOtgbXjq/ljklktwx4OXV2pamyTkjKBVVxJUtAfcsO+ouq/S0FXJCbDcCxMPOH8e5G8RVEn6NSKrQ8YSLI0TshMS+ooSTYKLTyQoAkGywm1xcGOOqP0hGskknoLbJLRxnBlzgdevySBnyBcD7krqLccOdyuSJdbbSSp21rlVwBt7TAKhJrKUSs204si9krCiR1jafNTJGl8NXEXgLEeH/nMGV+sshqVmh2nqboWkPS5Uq+pspWVJvvbULnTeL843sB0V7h6q9SpdCkZWZpE3Jzgcl5ZDatHbJSoXAvay/ZHZ1HbDQfC7ZFTRF8NdwH5xtdu2lpbjqDjPPmohSHBz5LmfNVGWYBS+8lJNiNagkkeIvDU9NMvNqcZcStNzyUCLDz8fKOovBFlhQKVkHTKvVqLIzU7iKcmao45MS6HCEFfZNBJUDYdm0g28VHxjXXjXymkXuKDB1Op9Mal5LHDUhKrbYQltBUmZ7F0gJAsQ2tBJ8x4xFau2ChuepanTvclvciTx7gQ4x8kAY9/n5JxpSxgf6rSqZn5HdAmmSrVYJ1i/lCF8FfIHlflHX3jOXhfA/DRjaqSeHKWzMzskmkS6mpNtKkqmnEsEpITcEIcUbj72OREyhJNtIIv+fsjX0HrduvbfJcGQGJrXlgy7dnABJ6D16ImjMRwUxurZbJbddQgnvaVqAMJ3H5QfSmm7nwUI6Y8COZXD9hfIdik5j4xwJS6wKvOLUxWZuUamezUoFB0unVpI5RuJhuRyvxfRZfEWFKfhisUqcClS87IsS7zDwCiklC0Ag2UkjbqDHAap7ZX6Vrpaae2SOYx20P3bWuPs8GPvKWOl7wcOC4DompS/8AJLf4QhTqSE37Ru1gRY847e1jNjhWw5V5ug17H+WNNqUg8qXmpSan5Fp5h1JspCkqN0qB2sdwecaacJHCXhHOvMXHGcmPJCXqWC5bE1RlqFJNLHq9TX6wtRdVp2UwlKkgAd1RJ6JsdK2drsM9uqLndaKSljiDSC7J7wu6Bnhbk8f+TwmGmO4Nac+5aHNSc3OoW7JSj8who98tNqWE+0gG0NbjiFBRQoHew9vhHdrFmeXD7kRO0zAmKca4ewm882lMpTUN9mllk7JUpLSSllvoFL0p22MQziP4RsquI/CMzVKfTqdI4qcky9SMQyLaR2qym7YeLf6c0rYXNyAbpPjhUPbtG6oiN0t8lPTynwSk5B9vLRkeuCce1PdRux4HZIXE5wK6iMBvvDrXKLUMPVioUGsy5l5+mTDkpMtH6jraihafOxBhqVe5j3kObI0OYcgrOcsKgSYxkbwosTvHgpFxtCKLHKwnaMar/YYzLQTHhSdO0APkhOdz4QR5uYIchb/8NtEbpmWDM6pgtvTDytRPWxi0UpWoXttGOUlqJRcPy+H6FNNvsyHdccaWlSFLJN7EXuNoVSgLzOpI38Iq3bO7b6ALd01+w3DzJP3rLKp1K25w+STMytgpbWi433TyiLO1ym0J3t6tNsy7fIFxwJ/HHuVzhwUgqebq8u40k6TocSb+XPb3xghhdyusErGnGVOpUzSA2C228SeSU2JHvhW5LsNrC22mm1E3spJv8OUReiZl0OsNsvU5KSgq0lYdQtN77i6SYmtUlUuzMg60kFDyHjseYARY/aYa5hbyrLJGv+SvJ7NwaXlqG1u6oCMzdNl0pCnNbqTyStZsYieMcYymDWVFMoqcmALpbQLA+JJPIRXjvFCmQAFQpTCUb/NpWQUj2nYwMYXJktQxnBV2utMo2DIaP1bnnDTUGn3EXS5eK5p/EAaohDrlHSJdw90BQ1EexW/584sCl12TxDTEVCXOlKrggi1iOYtCujIVds7HnAK8uKIlQXdlaUi344dcIzZlp5ifZKdcmsOouDuUkG0Mc+solrE7gXIiO4rzMw3lThtNdxLUSy3MvFqWbSjUt5y2wAHS53PTaL9Aw94Fm3jApzuWTjzwm9V5Fc/JSxdZfT2qDpt3SLj7DHNClU6dpVamG1y6wWldoDbkUEKH2gR1+wrxBcM/FTS5DA9GxW3LYscliwmjVBhTT7i20WVoVbs13AKgArURfYWNtUOIzhzRl1LYhxaxLdkzJyjimyW9i4ruNj3rUkeG8bbmEOXEsmaIiMquczpILwW06pAuWQbkctuUamzv8kODbZR5CN8c/wDBs1QMASOtvnKovtY3KBz/AD6RojOD9FvJKbHUYhcOcK3CctSYDYx4sb8ozaQBGMggwnRSkIsQLXt5nnH1O4FhaPJudrx9SdI5XA5mGkpAV5PhHpI7u30gbj7Y8kd6Pae73oAclOPIXWH0USy5w915SuZxbND/ACWVi680+D/IDOjFrmN8xMGTFRrbsu1LKmEVWblx2TYISNLTiU8id7RSfon/AOZ4rp/7XTX70lYoP0hObubODuJOfoGEc0sX0Ompo8g6mTplcmpRhK1JWVKDbS0pubbm14+SZ7JdL92lXGmtFWaaQDO8Z6YZxwR1yPoV7e1sDS4ZXSbLXLXBuUeEpTAmAaUun0aSLi2GFzLj5SVqKld9xSlHck7nrGlWS9Jl5/0l2YU9MJQVU1uqTTGro5pl2iRtz0urHsJi++A3EuI8W8NOHq9iyv1KtVJ6ZnkuTlRm3Jl9YTMLCQpxwlRsAALmNU6NmXT8r/SP4iq9aeDNMqNbmaLNuk2S0mZbQELV4JDqWbnom56RT0fba6O46jt7nmWcQytLvN7t3J55yU+RwLGEDAV4ekvr1Qp+UWGKFLPKblaviNHrWlVu1QzLvLSg+I16VW8UCNZuBusT1K4kcMS0qtSW6mick3xcjUgyy12tflqbSd/CN6OL3IuoZ95UDD+HXJZFepFQbqtL9YXpQ84lK21tFX1QpDqgDy1BN9oojg64Rc0Mv8zWsxcy6XKUmXpMq83IyyZpD7rr7idGvuEgJSkq3Jubjbw6fRerLBQdmdVbauVonxICwkBznO+TgdT5c+WE2VjzUBw6KyvSG01uYyHlqyhSUzlFxHITcq4dihag41+Jw/Dyixsbp/3a+GCruUhrtHsX4MXNyKNNz27sp2jQt4hZTt4iKO9JBjiWl8G4Yy6lphHr1SqYq0w3ztLMNuJTccwC66kg2/nZi0uCXES8Q8OmG23HAp2krmaaTaxAbdUUD3IUke6OGnt1Xbez+23wtw6Gpc5uf4XYIPuLmKQOD5nM9ikFZxJSOG/JDDpqiGy1SE0eiKRy1LdeZYWr3BS1+xJjxnLlO3jzH2VeN2Wgt7CGIXJh4i/8iOS61K/81mX+2KJ9JVip2Wwlg/BrD5Sqdqb1UcCTuRLthCDbwCnuu1wI2dybxcxmDlVhPGbSkldVo8s8+Ab6H9ADqL9SlwLT+xjIqaGtsVko9Yx8S1D5w4+x42j/ANiPenAhzjH6YWtfpOMRGn5SYZwwlZCq1Xu0WEn6TbDKlH295aPjHM18XJSDeN1fSdYtVVc08K4Ill3Rh6iOVBzfYOzjxTY+YRKpP7ONMXGbbuHSTcgWvvH1T2M2427RlI1wwX7nn/qJx9wCoVT8ylNDzZuY7HcCA/4qWARflLTd/wDHH448viyuXlHYfgT24VsBj+t5v9+PxyP6RAxpqI//ACt/7Sn0X7RcseJ9KjxIZn2P/Oyo2/8AGVHVDgapstTeFjAbcshIEzJvTLlhb5xcw4VE+ccsOJ5CjxHZoWv/APldSO392MdIfRzZjUrGHDvI4UanGzVcHzDtPnJbUNaGXFrdYctz0qSVJB8W1j6pjP7YqWabQVFLEMtYYi72DYQCfZkgfOlpTic/OuZvEhX6jifPrMOr1Z4vzBxFPMgrUSW2mnlNNIHQBKEJSPIR0+9HVXJ6t8K+HEVBS3Pk6bnZBkrP85Q8dIHkNVgOgFhyjWTia9HznJXM5q/i3KumyNXoWKJ5dRAenUMrknXlanW1pXa6dZWpJTfZQFriN4OHDKk5BZJUHAVZqUtMTVLYcmqpNIulgPOLU66UqVbuJ1WCja4TcgXsMPtT1RYrzouiordK18pdHta0jc3DSDkDpj5OD68IpY3MmJcMLkVxrUqWpHFXmVJSidLSqwJjQnkFOsNOq/bLV8YpFadtosjP/G8vmXnVjXHkisuStarEw/LLJuSwFaGj7NCU/GK8Wj3eZ/LH0bYYpaa000M/y2xsB94aAVlyHxEj1SVRIJjGQdjGdaT4RjIsNxGoVEVjIN7x4Nt79U2jKq3TrGNSQkHrAEiWdmfCCM2rygh2ULavhKnMbz1IrE7U1Pv0ynASkqlxVg64rvWTtvpCefnbrGwcli6Xl2kJnZWZknUnSA+0oJWbX2Um4PLxHOKOymrc7g/E8lhBTypmm1xDqJdAsPVZphC1q9oWlK/egeMX1LS659KGDtvfx2t4RWuDwHHhdBYGO7k4PRQqoUWp46fcYmwy62o3CVtJWhIPWxBBt53iO1TJavyy+2YxS2LApQyzKt6R5WSnYe+JjifL7ElS7eRpGIZmnMuG80/JizqkdUpJ+jfxG8RzDnD9SW5tbrtcrS2O3SrT6w6HlWN7qXquD0uDuLxmtLS3laEzHNcDjKd8PzjGEZANVusy6Wk2G0qu6ljyTc/ZFlYbzvwfUqXJTCqm+ESpcZMx6m72dxzHIna3hDK1gGQZS6upVWZmGmB8008kpct0JXfex8rmJzlZSpCmYWlJNMkhaQVujWgaiVHmfPkSfOKz3AjlalGHA9OFBJ7GeH66qZqUq9LVJpayFKQo6tJJ0kX5Aw1y7mAXX9c7QJltX6oC3oJ6A9ooAm/QCJZM4Yp0i44y+y460VEOLShKfV16ydm02SRyA5X6xEajk5QMROzD82zNzbj3dM0juL0feJAUCkA2PdI33hWP6DKgna7l23lTSkU7BM3L9tT9Kgd7hlkqHkbA/C8OlOcptJS84qoyjSdWo61pbShPUgXFv9cQCmcOtGpcyzP4fVPUibD/AGqnpN4s9sCLaXEgkKTtve5vvzix8N4Abpj7y3JFlxwgq1FKSpSvEqhXu5xnITYcu5xgpmqGNJKrLUjDrb1TWVWU802UsIHO5cVZPuTqMVzxRYdodSyQdrNbrMpKVSUmmpmWAN0uoa1KVLpQTc7kKJG/dHQRbddk3QtLIslIUAEg8jeNZ+KZtqo1yhUmfLYbVJLl2dZsA4/NMIUoeegEewmLtC4d4AFVvbc0253kta8r8aYiyYxhhvNuSo0nUpzDc+3Um5WeQosvuA7Bekgjc3Ft7gRsXnzx61jiXwzTqNM5XSuG5KnTCp2oLZqS5lM182pCQU6E7JUrULk7gRBMW4MoU/KKpjEwwhlDhWEqUEqc0JvpHibqTt5R9lcrKe9RE4ekptLKtKFTTiTcA80o+O8dK0sc4bl5y+KRjSwLdriq+5PG+UtJxngyoM1GkVOntTMpMs7IWkpHvBBBBB3BBBjlNXGSxU30G30j7Y6fS1OpauCLA8nT3u19QpjkotVrXcbfdSva+x1XPvjmdjFsN4gnEjlqVaKEzSx5BWvRv3RghMdzba9vPnHxYMBNibn3dIFG3OISrhXmwG5j7pBsY+C1zHo3AG3lDUgOF5XHxKiRa8elAaCbx5ToAuSNoApBhbW8KfHXM8MmX0/gNnLhuvidqztUEwakWNJW003o0htV/wBKve/WK24jM8V8ROar2ZszhxFDL8lLyZlEzReADSVDVrKU878rRUAGk8jcm0KWDdSeXSOfpdL2mjukl6hhxUyDDnZPI48s48h5Ie9xbs8luhw8cfc7kTlZTMtGMs2a0inuvuicNTLJX2rinDdHZqtbVa94ovNHHi81My8Q5iuU0U5dfnTOGTS92nZXCRbXYX5X5CK7lSRpA36bfn5w7SKtKQnqDvFi1aTtNquE90pYts03y3ZPiycngkjr6AJneOkAaegW5WSPpBsw8CYflcLY8oDOLpKRQGpadM12E622OSHFWUl0JGwUQFWAuVHeLDr3pM1uSS0YWym7OcKSEO1Co620HxKEIBV7Lj2xoVKui3dIGrY7i5t5QtZXc6j9EEgnp4xjVfZLo+4VhrZ6Mb3HJwXNBP8ApBA96mFTK0YypdjjHeKMycUTeMMZ1NdRqs9pLrqgAltIuEtoSNkISNgkcrnqSYufh64vqlkLhKewinB7NcYmqiqebcVPFgtFSEJUjSEKuO7e+3Mxriy5ckdb7xnSntFhG4udvE+yOquulrTebcLRWQAwDGGdANvTGMYwo2vcHbweVaHEdnzUuIHGMhimbojdIYplNTIsySZjtgPnFrW5qKRurUkcvqCLAyK44KlkblxKZdjA7FbZkX5h+XmFVBTBSl5wulvT2auS1rPMHeNa3R2hOkBRtyhF6uVJ7yQLb90+UUKzRFgr7RHY6inBp48FrcngjpyDnzPUpRM4OLgeVMs881ZrOnMuq5kzVJRIuVJDCESoeLqWUNtIbACrJ1XsVcuZMVy9ZV77wrebAFgfIefthItGlJJ+I3jcoqKC2UzKSmbtjYA1o9ABgD6E0kO8RPKb3wlN1K6C9rdY23yQ9IROZK5X0LLRrK5mrIozbyEzhqpZ7ULeW5fR2arW1259I1Pe7osqwuLwidN+W/sjI1Dpq2anpm0l2i7xgO4Akjnp5EJI3uYctKfMzMYrzEzGxLj5dNEgrEVUmamqWDmsMl1erRqsNVr87C9occnM68f5C4xbxll9UmmJggNzctMo7SWnWb37J5NwSPAgpUDuCIhVis7C++/ugUzc8/fF2S2Uk9EbfLGHQlu3aeRtHGMH3I3EHcDyugtJ9LFTfUEGv5MTYnEjcyVXSWiry1t3A+MUhxIekFzFzxw8/gbD1GZwfhubT2dQaZmC9Nzzdt21uWAS0eqUpueRNriNYnmQlJJO3thItGlZ/P8A2xxts7LtJ2esFfS0gEjTkZLnAH1AJI48uOE51RM4YLuEncbCU6QLCEy0dLbeEKFpPUGPDiCjYpIPmI71w81TKSLFtoTqSSIVuDbUeVwPfGBSehENTCkxTvHwpCtj4gR6WmyrxjJ0iH8JE6aE+EEGvz+2CDCFdOR2LpvEmbeF5d1zWht+ZfV5foR0H7VRuvRHEtTQINltm6SY57cM03LymeFFRLOLcadTNtNqcTpNzLuWNrm3Lxjfdh5aZgOIBITeKNw5euj08MROJPmpoA68VGWaT2v9003+O0JexxKwV+oS9PZWs/TdmCo39gRDaxVXXH2UoBBVztEtbmJSVYQ9OI1Ei5BMYbmkuXUtja4KKVKQqUw+wKtOhdlha227hLivPrYeETnDj8vKy6GgkgJFgLxBn6p8pTrlWmFJQlSy22i/0Ug/6omtDmqSqV7VUyApIvaJC0YUkXBKXupYXUC+G0FpwaHklNyR4jzhK7TKjIFx+UZDzJutISE3I9htBNTknMzAYafShJF9Wq0JaTiZ2nVRdHnHO3l3FEsuHw8IY5qUtD3J2pky++lKly800CLkLZCftvCwzzLfaLTdOlJvvePTjjbkuUp2G5JHWIzMTTjS1tIK9N/HnDAEbAzySKtTzczMBDKt1KuI1O42Z1dKq+CZ1gApU4+24vTcApUysD3bxtG8yUvpIG43v7I1b49ZMjBWHZ3qzV1Njx77K1H/ADI0KDidqxL6A6jdj+uVQVSxq8urSjtlKYYU4vUU7A3236HYQ5SuYtQl0KUhLqUzTh7ygdydgb+QtFOS9aq0ovXKTz7Cr3VoWQD7RyPvicZfVSo4rrLFEqjqHg64hAcKEpUlJUAVEi1wL338I66AMc4A9F5rVd4GEt6rfyXxCvDvCFh2RnUoQqcM5NNAnm2t9ek+wjf3xz1xPNeuVmZeAABUeXtjaLiSzgpVSpEhhPDbiG6ZSpNmRlW0k2S00gIQB7kiNTFrC3VLJJJJvFGpk76Vzh5laVDEYIGRnyCxKTYXMCh9sfVmAAnnEAVzJXjb2Wi1OGPKah555z0LLLEdRnpCQqofLkxIlAeRoaUsadaVJ5p6g84qpR5xsX6PQA8WODfZN/vdcYOqKuahs1XV07tr2RvcD6ENJBTowHOAK3E/3pXJTTvmVjn8OT/9CG2u+iPyxepb4wzmriqXqOm7Dk+xLvsBXgpCEIV7wrbzjYbjEwJm9mHk49h3JGempLExqcq+h6WqvyesMJ19oO11J23G194auDvAOd2UuVtTlOIjGJqM8qfcnJczdVVOmRlQ2nUFzCzbTdKlW1EJ38THyZDrvVJsn65/XDTKH7RCQ0vPI5xjp83zrUEEbX7A049VybxJkvXsAZ8MZIY5d0Tfy7J0t56UIUlbD7qEpeaJHVCwoXB8xtHQgeiZyZR//TMc/hyf/oRqvxH5nYUzX46aTijB801OUqWrtDpjM4zuiZUy+2FuJPUaioA9QkR1hzVlsbTWXGJZXLaY9XxU7TJhFHdKm06JvQezN3AUDvW+kCPGO77RtZajtsVoFPN8GkqGAyZAw1x25JyDgDJJ9AoYYmSF2RnC1MR6KbJ1kam8zscgnb6Ul/6Eal8UuRlB4eM12sv8N1qpVORcoctVfWKiGu2S468+gpHZISNNmUkbXuTvblsO1gr0rt7PY1QUkAG09SPDf+dRT1Nw1mpmRxf4XwDxBVddUxFLVGTkKhqLCk+qMpVOlnUwlKDdCl7gX79r7R0uirjeaSqmrLleYqyGKNznMjIJ4Gd3AHA/8qORrCAGMIOeqtLID0ec/jrDsjjDNnENRoMlUWkzEtS6elsTi212UhTrjgWlq6bHRpKrHcpOwuDEXo2cl5+QUnDOLcX0WoJQezfcmmppoqtt2jamwVJuOSVIPnFw8T2ZlVyeyTr2M8Odk1VWQzKSC1NBaW3nnEtpXpIsdOq9iCLjcWjRHI/jHzPy8xe7VMf4lr+LaFNtO+tyU1Mh1Ye0koWyVmzQCrApSQmyjsSBHH2Wv7Ru0GmqNQ2msETGOIZEMDOMHaMjHQjlx5PorLmwQnY4Kr82cnsX5KY5fwNi5lCnkNpfk55n9InpdVwl1BO43CklJ3SQRyso2tw48HGJc8pH7r63WF4cwwl4oaeSyHJudKPpdklXdSgHbWrVuDZJhBn9xCTHE7WsN01vBUvh5yQm1S8vMCbVMOrS+tCdCzoSLXCVbJ6ER0Xrc3h/I7JyoVGQpumkYHw+6+1KoO625VgkIv4q07nmSbmOw1zr7U2nrDQUT4xFcqk7TjDgMEDIxkZdke7n2KKKKNzz6BUZMejhyJepwk2q/jdmY029dTUZcuKPiUljsz+CI1I4k+FTGXD05L1r5QFfwpPP+rt1RDHZLlnTuhp9AJAJANlg6VEG+kkA+aHxe5+UvHzWO5/MGoTzbkyFzdMcdvTyyVDU0mXN0IGnYKSAoXBve5jpFnLhWRzQyVxPh99pC0VaiPOS5UAQ28Gi4yseYWEmObqL7rXsxu9F+vqz4TT1Bw4dcHjOCQCCM5HkU7ZFUNOwYIWgPChwkYM4jMNV+u4jxXXqO7SKimRbRTVS5Q4kspXqV2ja97q6EbQ8cT/AxhnI/KmazIwjjPEdWep0/KtTbFREuWxLPOBrWOybQdQcU11tYnyItj0YC0vZaYvfTcBytsrFz4yrcXbmu2xm/kLmVhxttK5iXRV6YW07lL8qtSmR7SlLSv2QirqDtC1DatePp21B+Bxyxtc3jAa8DzxnHVOZE10PTkrQ3hC4QcO8R9HxLXcU4mrVHk6PNsScr8mBkF55SFLd1l1CxZKS1a1vpG8Sfii4D8v8icmqtmZh/HGKKlPSE1IsIlp4yvYqD0y20SdDKVbBZIsRuIvzhFdbyi4Mn8xZxlJcmGKjiAIVt2xBUllP7Ps0Af2wh99IeknhSxIF8xP0nl/f7ELVa/1BPr+OjgnIonVAi28YO3aHDpnz9U0xMEJOOcZWsvDHwIZfZ9ZRyOYuIsb4opk9NTk1LKYkDLdkEtOlKSO0aUq5A335xaw9FblHchWaGOvK6pLf/J4sL0d4vwxUgf2UqI/89UQXOjCnpDp/NCvzeUWKUS2D3ZhKqU163TU6GtCQRZ1suDvA/SMZtfq7U9fqm4WuG7spYoXu295tDcA4DQdp5TmwxCNri3KqDij4B8u8jMlq1mZh7HOKanO0x+TaRKz5liysPTLbSr9m0lWwWSN+YEaNPISFEAKABtY72+yNs+Jlvjgwpl81JcQmLDN4Wr1QZkRKIdp7oemEBT6AewbCwB2BVe4FwPZGqDjervAhQO99t49+7PzcJLP3lxrWVby44kYctxwMdB0OVTlLd3hGEkU2D523tG7fCt6PTBmemT1PzOxxi3EtJmKtNTIlJenGXCDLtuqbCz2rSlXK0OdbWtGmlDok9iWt07DtMbK5yqTbMlLpAvdxxYSn7SI7X45xbhzhV4fpOoJl0fJeEZKm0xpv79IU2yfaop1K8z745Htd1Tc7LDSWyxP21VRJgYx0GARg56khOpomPLnydAuZXG3wgUjhiqOF5vCVbqtYolfaeaddqSWi4xNtqB0hTaUp0qQoEC17oVvytq2sFJteOzXpCctjmjwwVqp0htEzOYXUziOUKNytlr9Psf7gpxXmUCOMy99x4Rq9lGqanVOn2y17t08bnMeehyDkEgew/coKyIRSYb0Sdw2MYlC+3jGVYuYxkE7+EemA+aqpfceEEe+y9sEP3hC6G5j8PmXGW05SsRYDwLJ0+oyC+0Q+0twqJ0lJvdViCCefjDxRph1bqS6kBKk7C/M2iJYe4rcM4pdblsYvsywTp7Vax82O7chKiBfkenhFH4v4j8XT1eqDeC5iUpFITNuCVcblg5MONhR0qJcuEkixsE9YSppXSszhT2y5R0T8O81ttTyz2+p0lKkHxtDjPuTs+hLDTiQm+k3O4HKNQ8I8SmPqXOJNedl8QSmq623GUMTNv1i0AJJ8iLHlcRtLhHMTCU/QJPFMnWWZhNQSHENEWLYGxSsfVUDcFPiIwJ6WWN3i6LsKW7wTMJYefRI8W4Hr1QpjisO1pymOJQT2q2dY26jpf4xjolJzJlGZeTVL+tEaG1zWyA4tQv8AQ58hyETVvMHD0+y45PuMBIUA3rcSlIF7k2PmBDtTsa4Vnpgrp07Jza5devQiaSABYd64O/UbwwNZjqpDUVLzlowFB38psR1GfGJZ3FNakZlpfYok2X7S6udlFHI3579bCJtNYSmPkZtTRWZyV+cQSd1nqIVfdhSKvPs+p4ipxbZBKmkPpUonkL+zflDi5iFpmoF5+TK5VzuhTbmpQF+ZA6W/FDSwEYylZUzRnMjchJKTVe1ktKyLi4VfmDy38ISNqLtQUyUXCRq5bGM9TlZIOIqlLcX6u8soebUjSUq53t57QjQ6iUdS5qPeHMxWwWnBWgJBK3cElqAR66UJUkBHgYWYTyCy64hqnM0jMSTVUZbDyBVJSQD5bRMO2U1ddu8pKQsmwI3IvEbqlTDUy6oEkkbWjX/OPPTGmTmbGXmKMCzwaqVLVNzrjCj8xMy69CFMupB3SrSoeV7jcCNO3NzOFgXyQNpHZWDikyIpuW0y9K4WwPSpCTZKggIk0lRF9rqUCon2mNTRU36bNqVKyjEs8AUlTbYbP2COwGYc9g7icyEpmbuFZEJRVJTtJiXJ1LlJobOsKPUpWCL9RYjYxyczNw87QMUTUstrSEuG3nG2S9pxlchC4OHRRebqEzPLKppxalHmSon8/wDVCcoABsN+cBKr30kQG8M9ynyvNh4Xj4q1rR6sQLmPJTvvCcpcrE4nwEbF+j224sMG+yb/AHu5Gu6xYbCLw4I8XYZwJxJ4WxRjGvSVHpUqJoPTc46G20XYWBdR2FyQN/GOe1dDJPYK2KJpc4xSAADJJLT0Hmljdh7c+q6k8Z+duMuH7JZ3MPAkpTZmqN1SUkw3UJdbzJbc1au6haDfugg3iD8CPFRmZxKyWK05iYYpkkqhLlTKz9NlnmWXu17TU0UuLXdSdAN0nksXHImyZ7iq4VKi0ZeoZ04HmWSoKLb9QZWm48lXEIZvjC4ScK09bzWcGFES6AVdhTVdsq4H1W2UlRPsEfGNFQVTdPPs5scjqpzstm2OBbyDj5OegI645W0XgyB4fx6LTXjgyewplvxZZV4swhTZemS+MatJzM5KS6Ahr1xmfZDjoSkWTrS62TYbqSo9Y6FZ1YzquXWU2LseUJiUfqNBo8zPyrc2hS2VuNoKkhaUqSopuNwFA+ccnM/uJ6Q4guJ/CeNWFPU7COGqpT5WneuAIKZdE2lx6ZcBNklXMjolKb7iOnD3FjwuTbLjD+d2C3mnAUrbXUW1JUD0IJsRHa68sd7ZQWIVtM+ofC0940Av43A7XEA87eCq1PIwOftOAei0SkvSj8RT51Lwplwi1rj5Kn72/wAdhgyXziqON+MfC2buNG6fKztZrbLU2iRaW3LNKelTJIKQ4tagO8gm6jvc7co38HEJwfOW7PMvLom97B2X/JGkPHHjbL3F2cOHq7lPiOkT8jJ4fabcmKOUFCJlM08uxKBsoJKD8PKO60ZWUV5q5rVTWJ1F38T2OkIIGCOhy0dfekcHNAJfuwt0OObDs7iHhtxEiny633ac/J1JaEAkltl9BWbDwRqPsEc/MhMpnc8MyJHAspOOycq808/Nz7DYc9VabQSFaeRustptcXubRvFw98aWXOYeFZWi5j1qTw/ieWaTLzXryw3Lz+1u1bcPdGr6yCQQb2uN4syXzI4b8v5OaqlLxXgekocGt9VOdlwt3w7rXeWb8hY8443TupdS9mlrqtLG3yOnL3GN4BIBcAM8NO4cAjn3qeSNk7g8uWgObHDdivhkr+G8SYhr9IrVHmKsyJeYlEqZeCmj2qitlQOkaUHcKVYqTvvHRfOHDE5mLktjDCmHVodnMQ4dnZSQVr7i3XWFBok+BUU7+BjndxTZ+jPnG0u/S5RyXw1Q0uMUtt4Wcf1Edo+tP1SrSAE9AkX3O18cKvF9hKk4Up+WeadTNMcpTQlaZVX7qYcl02CGXVDdCkCwCjsUgXII36bXemtXXfT9sv8AVs7ytpiXPY0c4JDgcDzGBuA9fYooZI2PcwHAK0ZotFnK1UpPDErIv/KM5MokUShQQ8H1qCezKOYUFGxFr32jsXi+pS+B8q6xU51QDVCoL7i9+fZS52HjuLfCI+1jnhzk6g5jFjE2AmZ9QKl1FuYlRMG43JWO/uNo1T4xOLih43oMxlVlZMrnKZMKQarV0goQ+kEK9XZvupJNtS+RtZN7kxi3m4Xrtju9vpIaB8EULsvc7OByMnJA6AcDqSU9oZTNJznKlnowZYyuWOL5c2BbrbKNvKVbiwuGzEyZ3NzPrBEyQpEli/5QbbUrmH2g2vbwPYp+2KW4B83cssuME4qkMe43o9AmJqstvMNT00ltTjYl0J1AHci4IhnyazywRg7jRzFxFUsWyDOE8XLnW26op4erKUhTbrK9fKxCHEg9SsDrCap0tX3G96h2QvwY2OYdrsOLCw+E45PB6IZI1rWZKuTi9bpOT/CnSstsOqLUk5OUjDsmFrspTLa0rNztqUUsEk9bnxh29IdY8KmJSD/R9J/f7Ea98fueuCcx6jgDDuX2LKdW6ZTJmYqc+9JPhaG37ttsgkdQgvny1DxiyeN/PfJzH3DnXsLYNzKoFZq8zOU1bUnKTaXHVpRONLWQkcwEpUT5AxnWXTN1ppdP1dRBIXvqJJZCWuy0l7OX8cZAzzhD3Nw9oPkpv6PL+ZkpNjb/AITqH7uqKV4gePzOzKrOPFOX2GsPYHfp1EnEsS7s/T5tx9aS2lV1KRNISTc9EjkImHBBnrk5gHh/pmGsa5kUGjVRqoTzq5SbnEtupQt4lJKSb2IIPsi6ZniG4TpqYXMzuZuA3nXDdTjrzClK9pIuYz6yCS0axuVZcbO+sje920bHYHizuB2kH5k8YMbWh2CuamfvF5mhxG4apuE8fUfC0lJ0uopqjK6PJzLLpdDTjQCi7MOJKdLyjYAG4G9rxRTySQCb3tvcco6d8XOcnDdifh2xlQsDY3wVO1ybl5dMoxJLZL61CZaKtISL/RCjt0vHMV1NwALAR9Idm9xir7QRBQOomNeQIyMehJxgcEn0VCdux2ScrYv0euWCMf8AEdSqtPM66dg2Xdrb103St9Pcl0nzDiwsf3KOivFVw+1LiWy7lsu5PHKMLyzdTaqE28qmeumYS2hYS1pDzWkalhRNzugbRqn6OzHeSWUmB8S4hzBzMw1RK/X6klluVm51CHm5JhA0FQO6dTi3TbqlKD1iM8VPHpmpTs3p6kcP2bEqzhOQk5ZtL0nTZCcamZhSNbi0uPsrJA1BGxtdB2vePItV2vU+q9f97Zx3QpW+CSRp7vI6keFwJJdxx5exWGGOOEh/OV0JwhgNyg5W0vLXEVY+W/UKKiizM6uX7ITbaWeyKigqVYlHMajueccIczsFTWXWYeJMCVBC0TFBqcxIELBBUlDhCFC/RSdJB6g3EdIuC7jpZxHh7ElO4mM2KTL1eTnWnqZPVFuVkO3lXG7KaSllCEKKFtlRJF/nhuQBbVv0h9SyuxXni1mHldjGjYgl8QUtk1NdNmQ6G5pmzIK9PIqbDf4PjFrsstt80pqeutF2YS2Tx941ru7LhzwdoHIcfIcjChrCyaNr2HpxhaqugA7Wj4houuBpKTuOgj0Ual9Ik2CKEur1NvuApSbG/QR9HMYXnaFh1dS2midI7yWL5FmP1Jz8EwRd/wBy9O+8giz8EcuV+M5/gVE0OfmGn3WGlK+fQWwD0J8PA3j63OEKspOk3sdrGLVygyFxDjeps9jKO95XIoNucMvE7gul5W5mnBlNWPXGJCWeqKAq4amXElRTboSgtqI/XQ6J2WlrvJdHO3xh7PNRiUmu7srre/Ue+Lbyem3KhJ1egvzD6ZRSmpzSy6UWUbpVe29iEpv42ir6Zl1mS+6zJpwTVUl0JU266gIaUlQBCi4bACx8TG6eRnDxJYLwtMisvN1Or1RSFzLrVy0yAnutJ5Ha6iVW3JvytalVlr4y0dVrWpssU7XuGAo1RsEYArKgzVqIy8Tv+iLupTtzAUSBD9T+G/J5TvaN0elOKcUCUOPLFjz27wI58okzWWlQpriliWcRLOKIQok920WdQMuMOzdLYfqEs0qaQ0VK+dOtXS6k325Aj+2jBYyVnAK7d1RE5o3tzlVVLcMOTUu8iemqLSWeyIPzbpTuOtgd4mUll3huXphlqJUquwyyvtGnflJ9YB6ABSiNPlEifyzaYqQ9SWtcs92YaZK76VFIJJ8d78/CLDoOXTCFJZfmNagQEBIskb87fwRG5kkxw5TCohhZ4RgKH4blVNyaJGeddd1kJ1L6nVYH8URapPlVQmG9Y7NlZSD0vFuYql2pKlImE6QWdY1WtqFxpHtuDFMVRs6G5YXSqZcJJA38zDZIu7Iyo6ecTZLeiZHe0mnlvrQoJvZKT9YW5/jjSDPjEycU5v1kMqvJ0cIpMsOg7Pdw+9wrjcnN7HNJywwTU668tJVLM9lLMm93JhQs2ke07n9aCY58yPbTbr1Qm1qcfmnVvOrP1lkkqPxJjYtEWXGU+S5rUlQAwQeq6I+ixxnJ4jpOYeRFYnGwta2a7SWXHTdwKQWZpKEnYadDCttz2hNtoeOIjgvfqc7M1KRlNRUVKBAjmoKjPUmqMVClTj8pNNLJS+w6ptxBtbZSSCNieUbZ5L+kpziyqlGcN5gMsZg4dU60CuprPyhKsbJUlp4Ea9jcBzVv1sY2ZYd3iC5OGp2HYVR2YOReJsITTnayjgSm+2k2itZmRmJVakvNKSE7HaOz0tNcL/E9IMzOXuPKHNzsy2m9LfcEvPNrI+gphzSvUN+Q36XikM0OApSVPu02RJKrkaU+2KpYW9VoRzB3K5lKCdNxfkCLxiPjGxeYPCpi3Cq3T8mOkA7d3aKgdyyxcoJXLUsOoULgh5sDx5FV4ikmih5lcB7zha1Baq+6kihgfLt67Gl2PfgFRBW8edAHLrz8xEq/3M8bn+kd/ZMNfxoDlnje3/IR2/rlr+NEPw6l/wA1v1gtT4oagHWhm+zf+CiJQOh38hHns+fP8sS4ZY42v/yF/lLX8ePhywxwTtQz/jLX8aE+HUp/vW/WCPihqH+Rm+zf+CiqAlRBIGw0+6F0tYWIAuOV9ofUZYY2H9JBt/XDR/0oUMZcYyQbmhrNuf6Ja/jQnw6kzkyt+sEvxR1D50Mv2b/wWCn61FO59wiUU9JWpIItb9aN/jCOUwPixsgroriB5TDR/wBKH+Rw/W2bBdOcTbqXEH8Ri3HcKMD9q36wT2aR1B/Iy/Zv/BLmW1aSCs252sBGb6VgElNgRt198ZmJCoI2VJO7czdP5Yzqk5tQ0mXct4bb/bFptxofOZv1gnHSWoP5Gb7N/wCCTpJ2sbx7LRWQo39xjMmSmgreXWT4kD4c49rlZsJuGF/Z+WHOudCR+3Z9Yfik+KGoB0oZfs3/AIJK422hWlsauXs25QmeQXQQU8h4nl0EOAkZsd1Mm6B7R+WPipGb0ktyqiTz+j+WI23Ghb0lb9YJnxR1D/Iy/Zv/AATItopTa6reFoTPFxYCVcha3uh6dpdQcur1Jz3FP5YwmiVAi5k1kbfe+HtgNwouvfN+sEvxQ1D/ACM32b/wUecYUBdwG/j4+ftjApoCwJsRyNheJA9Q6u5t8nKFuR1o3Ph9KEDmG6+pd00twjoQ4j+FUQuuNGR+1b9YJw0jqA/4Gb7N/wCCaXLhZWVE9LeHWMDjmra4h5VhbEK/6XL32t2jfw+lHgYQxAFC9LWL+LqD9mqIxcaQf3rfrBP+KN//AJGX7N/4KOupKlE3PKx35wmWLKKAlRt4eESZWD8SHdFLWTf9UbA+0x5GD8T271GN+vz7f8aGm4Uf+a36wQdJag6/AZfs3/goyGO6CtIsBblCV8pSNKQBb7YlrmEMTKSUCirF/B1v+FUN72AMXKJKaSo36F9r+NCOuFIR+1b9YKM6Sv5/wM32b/wUPmCTvsRa24hE4Oo2Pl+fnExdy6xqTYUIkHl+iWv40JnMsscnb5F/yln+NELq+l/zW/WCjdpDUB6UMv2b/wAFEUhalaUnciwi88q8OGVp4m1oOtwW3HSIFSssMWInW1T9GU2zfvKD7are4Ki9aB6nTZNqRQ24lQATYo2+MW6KrpN2RI0nyG4Z+YLlb/pPUXha+hmbG3xOcY37QB1ycYCdPVUfqSYIzaV/qn7aCNTvX+1ct3FJ6BV3nhxRT0tW38EZDVWYoWGKeTLqqkipTM1U1WspesWUhvmABYnmTuANcqnValV512pVaoTU7NvqCnX5l5TrrhAtdSlXJNvE8hCLtFqUpxR3KjePbV1E6xYeMVwQBgLdII5W0fD/AJnor+HUYOqs1qqNLQEsa1d56XHL3pvb2WjdzKGvSs9TJaXUtJ0tkOeIXyFx7I5KUOenKRU2KlT3nWH5depDrfTyPiD4Rs7k/wAUEnRa2xLYqQZVbwCEzKFktrN9td90nz5RmzU7mSb29FvUlwZNAIZD4h0XQmvSoNFDku2VLdugpUn9LRq6+Z0/CPM7KTMvSSWRs4jtCEWGlKb3ufZ+KIXQszpWsUtoyrrb7M3pcQ8h0KuR4j3n4w/TGKKW8+43MzykNLY3A3Sle+5HUX6RVkj38hacFSIuHKTU1KV1jvufMy8ve6jstZSCknz5H3RLF4gSijysxLghxxQXqsbJTexv57RVUzi6l1B1L9OBmLmzyiNBUALJ7vO/8EQ3HefNAwTTH0ztTSt5ZOiVQ5cgnkpauSE38Ya1oZ1TZanvzhoUzzOzApwfVJB7S2272jmnz+imK2msRy0jLPV6qvIl0obUtPaqA7JsblRvyuAD7Iph3OKlzc67WX6tKvThWVh1x9HZM77WJ2Sbbc7xTmdOaM1i5lNClKul+SdUDMrlnboXb6mr61/ARU7h9RJyOFdNZHRU+chIc5sz57NzEYRJocRhymOKVJhQsZpw7KfVfffkkdB5kxBHltN2Q2ALCxtDTXa4qQlkyckQqaeAKwncISLWEN9NVVH06nULUq9wo9fKOnp2CFoY1cHVTvqnGaTzWecdSkqUD3rmG9uZdqU01JgXKnEo/Yg3J/FHysTKWn1pTcEXGk8x5RmwlZE6JtSNSgCgA9LxO53OFXjYANxClk0HJOosz8otbT6FBxtaFFKmyCLFKhuDtzEXbljx98SeVEr8hSeO11+nBAbblMQtmoJZ6WQ4s9qkW6areUUrPkIly+s8heIfLPmZqK3fqJ6Q4uHmMqPDv3ThdX8uvSA8N2alJlqTnNQHsF1tQCHpgNGbp7quWtLiU62787LTZO41EC51iyqy/r+ZeIqJl/h12VbqtUb7FlU4tSGkqS0VnUUpURskjYHeNR3ZrUohvex5nwjoBwZKUOI7Ag22mXhe39bOxx2qadks1Mx3RzsH7l9C9iFzqrbbL1WQHD44dzT15G49FL8Qej/z7w1Q5/EU/P4RelqZKuzbzbE++pxSG0lRCQWACbDbcc4qDJ/KTFed+KxgzBfqKJ8yjk6XJ5xSGkNoKQblKVEbrSOUdj56fpk5U3MIzIC3ZmnrmFoVyUyVdmdv2UaVej3yyfwxmVmjPVFlRfwzNuYYadItcpmFl3bz7FkjyMZ1Xp2lbUwsiB2kkO59BldBp3tmvc1juU9fI0zxtYY/COrnbennjhUjmFwP53ZZ4Kq2PMRVDCTlNorBmZlErPPrdKAQO6FMgE78iRDPk5wmZqZ6YYexfgicw6zIy82uSUKhNvNuFxKUqJCUNKFrLHWOgfFJVpavcKWNazJqBl52il5og3CkFSbG/mN4gPo3f5RVRt/0gmf3FiB9iom3BkAb4S0nr55RS9q2p36QqbtJK3vmTMYDtHDS0kjHvWiEpkrjObzicyMS/Sk4kbnl08u9sv1TtEtdoTq0atOkfe8zyiQ52cLGaOQWHqfinHc3h1+SqdRRS2RTpx11wPKacdBIW0gBOllW4PMjzi06Kf8A7kE0bf8AOd8f5CqLn9JwLZMYTT/2ylz/AJBOxRZaKU0tTKQcsLgOfRdTUdod9jv1loWyDu6mOJ0g2jkuJzj0XOcXO8XflNwe5tZ14Rbxrg6ew01TnH3ZdKZ+cead1IVZRshpQt74pDfleOovo+d+HaTH9lJ390jMsFDDX1RimGRgldz2waouWkrEyttbg2QyBuSAeCD6+5czsVYaqWDMVVjB9ZUwqfok89ITRYUVNl1tRSooJAJTcbEgG3QRmwVhCq49xXS8F0JcuioVmZRKSyphRS0HFctRAJA9gMSXiC/l95jf4TVD92MLuGbfiAwEP7Ny/wDnRSNO0V/wf93dj710zLvVO0n+tif7XuN+ccbtmenvT7nBwh5tZHYROOcaTuGnad601KFMhOPOuhbhISbLZSCNt9/ZFcYAy8xlmhiZjCeBKK7Uqk+gu9mFBKW2wQC4tatkpBUkXJ5qA6x0V9Iyf+LsoeNdkB+2VB6P/Lym4YySZxkJZAqWKZhyYef0d/sG1qbaRc/VGlSrcrrJ6x001ggkubaaPhgbkrxG2drt0pNFSXuuxJUul7tnGAOM5IHXAz9wVAy3o1M2HKT63N4+wvLVEJKxKpbfca1dEl2wI8yEH3xr5mzktmNkhWpeh5hUYSxnAsyc3LuF6Umgn6XZuWG4uCUqAULjaNqMaekUxdRc1J2m0PCtHfwlTJ9yScS8HDNzCW1lC3EuBYQm5B0jQdhud9tkOJDBlGzp4cq4pmXTMqNJNdpDgTdSH22i62pB6FQun2LIiSS022ujeyiJD2LOpe0PXGla6jqNTBrqepwRw3gHHTb0IyDg9QuduS3C7mZnxR6jXsCTdAZZpk0JN9NSm3WVFZQlYsENruLKHhEPzTysxjkxjN/AeOJaWbn2mG5lt2VcU5LzDS+S2lKSkkAhSSCBYpPlG7/oyXA7lpixzbvVxCrj+9moknH1kavMbLhvMGhMFVfwalcwpCU3MzIEXeb26psHBz+iofWuIGWCKe1ieIf2mM9fQrXk7W6+168ktNe8fA9+wcAEZAwc+8858itSsvuCjOfMzBFPzDw3UMKppVTbW8yicnn0PBKVKSdSUskXuk/Wigm1FaQSAPZHWng9OrhdwaU7pVITJB8u3djlNhSiTGJq7S8OSaCuYq041JNJTzK3FhCbe9UUrta4aaCndAPE8c+/j8V03Z5ru5Xy63eK5yAxUxO3gDDQ545PnwArzwDwOZ5ZkYNpeNqE7hmTkKwyJmVbn515t7sySErUlDKhZQAUNzsRFP4/wHiHLLGVUwHitEumq0h1LTxllFTSwpAWlSSQCUkKBGwjsOKrh7LGk4PwhMOpYRPPsYfpiAQBrRLLWlIHhoYV9kaJ+kky/TRMzMPZjybWljEdOVTpvSBb1qWVdCiepU27p9jMaF2sEFLQ97F8puMrkOzvtbu9+1SKC5OHcTb9gwBgjkc+fAx71TGSnDVmLn7K1SawJN0NlNIcbbmBUpl1q5WCUlOhtd9gfCGTHOTeMsvMzm8pMSP0xVceclGkOSb61y5MwoBu6lISoWKhfu/GNv8A0YwvR8d7f0VJfua4q/isBHHDTxff1ug/ujcVDa6b9VxVWPESAefbhdK3Xd6Ouq6xl47iKNzmjaOoYHDn3lJ/97k4hVAKFTwXv/ZKZ/8Abwjqvo8uIumSLk5LowrUltpuJeVqbgcX5DtWkJ+2N7uJvMDFGV2RuI8dYMLYrFNEn6uXGO2T85NMtqujr3Vq9nOIBwX55ZpZ20bEkxmRRWmW6U/LIkp5mUVLpmdYcLiLEkKKNKDcW/TADyjbfY7WyZtPtOXDjk4XlVN2qa6ltkl6bPGYo3BpBDdxJx0b1I58ui5v4cy9xPiLMOVyvEmmnYhmZ/5MXL1BRbDExcizmkKIAPUA8wRF+j0cfEMRf5UwT/8A6cz/AO3ibZwyNKlPSLYUcpaGg5NLpL07oI/kj5wb+B7NLR94ja3iOzVxZk5l2MYYRwicRz5n2JUyQQ4o9mu+pdmwVbW9m8U6GxUWJ+/BOx2Pmx7F02p+1TU2bZ+qXNjNTEHEEDG4uI6u6DjzOFo2v0cvEM2kr+U8EbA86lM/+3jWaYlnpCqPU+a09vKTK5Z0oN0laFKSrSedrgxu4vj8zz0K7Xh+cSkg3Pq06AB4nuRpJPT4qlVmKsUJQZ6bcmilJuElxal2B621WiuYaCGtp/ggIJcOoI/3W3S3LV1w07d/jFJG5ggdt2OjPJaeuwnHHqlt4Ix6xBHpWz2r4vy9aXyyUOakrG17xIDQQmVbujvFN1b9fCI026WnEm10hQJib0+faqbOlHPYGGNVyUHyTVLzS6UOwmGUqaXslZHKEc+6gudoy52hVuNuQiQONy7+qUfTY30i/WGGoUeakHS42glnwBhceSa3g581c2TmLZ0Ntu0ysTFMnJR0Oraacsy6odSg7WN97W5xerWdlWA/+YaJKrdB7y2lqDaunibdbxphhXEv3OVqXqS5NqcaaUO2lXU7Ot3F036HwPjG72CsMZaZhYQk6/QGHUS84khTaT32VjZSFc7ERgVzX0rtzei7S0SR3KPu3AbwsTWb8/Ou9nITkrJtubKCb3UnoL3ir88sQ4WcwbUJebUpU3PgBlbau8XQoKBPiOhif4oyrwZhGUm6vNTzqafLtl6ZU6bhKAOQt16DxMaZY5xBJ4irsxNUmnuSVP1aZaXU6pwpQNrqKvrHmekR0jX1Lg/PAU1zdHb4zGRyfJIjiSrJSlDUxoQkWASkfGPBqNXqLyHFzDilN7JI2t7BGOTpExMALLKtPS/WJFTZOTkGS9PDTY2Qk81HyHMx0DGEcriHyDOB1WWhYeYQkzM4dS1cr84lsu1KSrBdOkIQk72G0RpyoPkh1xAlJdQuhBHzrngAOkMtera33BKFxxLCRdTQVupXmYkLsKMDJTTXZpqdq81Ms/QW4SmHXDaJlsF5MotxHtAjHh3Dy6nNJfda0Mg3tfmImM72FNlTLy7egAQxo5yU6QjGAmevV5hyTWzLqFtO46g+ERulvti6XFFIO9+kJp9ZenFq63h+otJZ7BKnkHUpNzDmnJ5TXANbz5rwn1RwJJmEKJvYA2v4R0F4M/5o7Ah8Zl796uxoNOsSMrLHSwjV49bxvvwbKCOIzAq1EAJmHrk/3s7HMajP/EUn+v8ABe5dkIAsV/A/yD/s5dDMZ4vTh3ity/obrpDeJMMVeSQj755txl9J/Bac+MKsV06UyNwHm7mXS+yRM1IzeIG08h6wmSbbQk/2zrd/2UUpxhYoThTiVyPxKl/S3JPPB1STfuLfZQse9KlROOPnFbdG4cajIMzDRXXp2Up6RqBKklXaKt+xbMTuqmsE7j1Zz/8AVcvT2CaodaYmDw1Q2n27ZXA59wwkuYYA9H26PDBMmOf/AFbcIfRuD/6FVH/CCY/cWIXZjOsq4An2kuoKzgqUFtW9+zbhu9HA8yjIuopW6lJ+6CYNif8AqWIr7t1zhP8AyH/cLbfGWaJuLQP8W37g5UNRf/2PzX+E7/7xVF0ek6/lN4T/AMMZf94TsUvRVJHpHJlwqAQcTvkKJ2/kFXWN+Mxcssuc2qTLUHMShSlYkZOaTOsMuuqSEPhC0BYKSDfS4sfsjFeigNVT1UTTgue4LX1PdGWK82K5StLmxU8LiB1OCVxY6+6Oono+P5naT/70nf3SMuPOEXhspWCMQ1WlZa01qblKXNPS60TLxUhxLSikjv8AO4EJPR5Ptp4b6f2jiEqNSnSQTY/pn2xUs9oktVaO8cDuaenzLoO0ftFpNf6Wd8EhdH3UrM7sc7g7pj3Ln/xBfy+8xz/2nqH7sqF3DKP+MBgH/vuX/wA6OlOIeFLhyxVXahiWv5d0ybqdUmVzc3MKmHQp11ZupRAXbc+Ea7ZrZS5cZTcUmSUnlzh6WpEtPzzjs2hl1agtSHWgknUo7gKVyirUWCWCq+GF4xuBx7yt6ydrVBd7L8W46d4k7hzdxxt8MZJPXPkrL9Iv/M7qINiK7If5yonvCNOS09w2YJckiFoRTiyryWhxaVftkmIB6RRxt/h4UltaVEVyRJAPTUqK19H9xA0CnUhzJfFlUbkpn1lcxRXn1hLbqV7rY1E7LCrqA21BRA3G+2+qZDeAx5wHsx8+V5fS2SrunZuammYXdzUFzgBztLcE49mQT7MrSHEMvMSWIKxJTiQl+UqE0w6D0Wl1YVf3iOveEkfc5w00hutEo+TMFMCbKufzckNd/gYYMR8H+QWK8erzIquE1OVN+YTNvobnXUS0w8N9a2knSSTueh63iA8cWf8AhzBGW0/lfQagw/iLELBklyzKwr1OTVs4ty30bpulIO5uTyEV6ShFjE9TO4Yd0WvqLVru1F9qstsp3CSMjdkcZ4BIx+6ACSThRv0XyVIytxShY3Faa5/3s1F4Za5wy+NM1MysoK72K53C0+j1VtSB8/IPMNKNxyVpWtST5KTfzpP0ZzrTeXOLkLcQj/hxFhy/odqKDzTzMqmUfG9ijHlMW4UyNXYEy2g2ExLKlWA62R1BST70g8xsQ3H4FboJj8knB+fKS6aQdqnWV3t8f7VjC5n+poZx/wBQyPnXRzAmAaJlhgRrBGG0uIpdOE0ZRtatRaacdcdDdzuQnXpBO9ki+8c2uAbAKMZ58SFVmmdcpheWdqiwRcF7dtkH2KXrHm2I6bUzElFxPhaXxHR6nLzdOqMkmaln21gpcbWi6SPaDGqHo2cDLo2XlezAqOht6vz/AKrLC43lpcWKvEXdU4LfrAYuV9O2oq6fHyW5P0Ywua0repbJYL055IllEcfty5zt3z4yphxT4GzwxdmZlfWss8LLqdHwjUFVWfIn5djU6XGxpCXXEkkNJdF+XznOM/H3gNzGPD5Ua1KSpdnMKTDVZTpSNXYoOl8+wNLWs/2kV3mh6RKawNmHiLBdCy1larK0KfckEzzlWU0XnG+66dAZVazgWnmbhN+sbD5a46pnEDks1X6hIS8mziWRmZOckg+HUt31NLRqsNXXoOcPEtHXOmp4n5cRyPdwopLfqPSsNsvFbT93DE4FjhjLtx34OCTyM4yAtcfRjb0fHZvcKmpMj8ByKv4rv5uKn/33Qf3REW16OejzGE3szcNVJSW5ik1dmQd1EAlbXaoP+bFR8VS0HjepzqVAo9coPeG4/TG+sYsrDHZ4o/MOH3OK9MoKhtZ2k3Cpj+S+B5HzxNK6BZo5hYYyrwFUMd4xQ+uj0zsBNBhgPL+ceQ0khBO9lOJJ8gefKCexBUaxl0vE2UrNKqU3PU4TlHTMrUzLPlSNSNSki6Qb+HPY25xV/HM805wr4yQ28gqIp1gCDf8AR8vFeejpzRl65l7UstajNgzeGpkzEoha9zKvqUqyb8wlwLv4ak+IjoH1wZWtpXfvNyD7fT6F47R6WfU6Xl1DECTDMGub+7tIBBx/qOD7CtV8pMSYqxdxd4fxDjlDqMQTWKUCoNOo0ll1BKC0E72CNOkDoAI6T53Zz4byJwYMcYpptTn5ITjUmGqehtTuty+k2cWhNtj1jU7ODK8YJ46sA41p7YNIxlUmJpRSO61PNdx5JPIak9msXO5K/CNxcyMt8CZtYe+5XHlPRUaZ27c12PrCmvnUX0qugg7XMULVTzU7KiIHxbuCfaBgrrdfXe23iez1z4sQdy0OYzgja4hzW+mMcLWarekkyeqFLm5FjA+NUuTLC2kky8mLFSSOkx5xzpZbLDcu0fqaU7x1dVwQ8L6d04FF/wDvOYP+nHMDMKlydAxziGjU1vs5OQrEzLMIuTobQ6pKRc7nYDeKFVDWtraaSqc0+LjC7bS1w0xLYL1S6egljJgc5xkcCCACBjHvSDtIISazBHd7me1fK2I/4lqVMyC3AHGGyfFMFHn1ST4StZR3t7jYQ9y8wmTXd1IIPMQoqGHmKswZ+QAQ5bkOsDhzkKdjsjBToqXaqLCHCpBXzCknrGJ1SmUJl5sJUlJsDeIOoVKnO9mtxxo3sN9ozdvUnVXU8pzwhoec8pXMHXKkU9RpRy8w0NgL3TE/yQzRfy2xClxMw47SZ1aG6kxe4SnkHUi+yk738R7BFYSDtSQQlN7E7hXKHmktTEpUWawJJlapOYaf7PezhQsKCFeRIsdjzMNnjE0ZaQpaWokpZmzRdQrx4qcaTU47I4QaW6xLLT8oTCSkpDt7hpPmANSvbp8I17p7smlakSlLS68Obz6rIT5xb+cmPZrNOdkTVcMydLEmxMdmlmZL6l9tMqdGpRQn6AUEJFuSfOIBTsJtvOJ9eeU6yg91o7I94HOIqWEQRbAp7hWPrpjLIkMu1NTCliTUH3LbzCjpl2/Z4x8DamXwZAGcnLWMw6O6g/regiV1BNPlpYsKCQygWDaBbfptEDrc7NTKSlx71eVSbBtG1xFrPCz+pwsVRqLNPCuymTNTyrhx1W4QPLpCGi0t6qTQWsHTe6rjmY+0ijO1aaGhJQ0Duo8jFhU6RlaSyllKBe3OGDrkqUkY2he5aUlqfKlKAE6RziN4hqqykoSQdiNoc6tUAGlpBsCTEOnV9qq7ZJ9sOJBUWA04SKTZMzNJKkk3VyidyMvpbupNgE2ERuiSg7dKlDziXPPoRLrCeggAwnHDuSo1UULnJ9uTY+sSI2ZkZ5cp2czLzSmHkAaVtuFKkm3QjeNccPSxm6wpZFwkk7xMZplCgCtINj4Rj3izi7NYN+3acr0rs47QjoB9Q/4OJhMACCcdM+w5yrlm63O1B1C56rTEypofNl58rKN77FR23j7NVuoVFoMTtYmptoK1oQ9MqcAO4uASd9yLxr88hK5kthtBSNrFMY6c2zIVN2VebCZd5AWg22BHMRh/E0uzmc89eOv3r1Fv6RMbdu21s8PTxYx7vDwth14jqa5X5Pcrs2uWCQgsKmVFvT4ab2ttyj5KV+qSDXYSNbm5ZokkoYmltpuetgRvy3igpBDczrm2206XFkIsOkLyktp1BI+EL8S8HPfnPu/NNP6RMRaWG1MweSNwwT6429VcxrPZTpnTVtE5fV2xmLOAna+q9+ULkYxrywCjFM+RbmJ5Z/0ovH0cWa1TnZ6u5C1aaLtHqci9VKU2o2LE03YvITt9FaDqIJABbNhdRiqOMbL0UbFEy+ZeydZKbp84jOjjGcd+fo/NTM/SDp6wAvtbDjgZIPH1UyrxXXnEltzElQUlQsUqnF2Pkd94xymIKrTmBKyFbmpZobhtmaUhN/GwNo17Za7JQBFlb8hDrJixva+/XlEjdHlxz8IP9fOrY7doA0sFrZg+WRj6NqvT7rsQG4OJ6h75xz8sYH8QVCZfampmtTLrzF+ydXMqKmyfvSTdPLpFUy7ijbvezpt+OHeVuUhKlbHqennzhx0WXdag/R+aG9utPHyy1sB9hx/6qfzeIKlUGPVZ+tzUy1fVofmlOJv42JO8JBMsoUFJdRqBuDqG0RpCiqw2A8LRnTewOq9+nUefOA6GDzl05J935qWL9IAU7dkVuaAfIOwP+1WLLZtZiyUmKdK5kYhblQjQGEVd5KAnwAC7RGn531t9czNzRdeWbrccc1KWfEkm5PthhLSb2DgULX73P2R8UxcKBI7txcD2xI7RBkGHVJPzfmq8HbzBSOL6e1saT1IIBPvw1SaUr9QpzSmadWZqUQtWpSWJlTYUdtzY78owvz6pl9yampwvPOm63HHNSlHbmTudhaItZV7FNuW1uX2Qhe+gopUSdVhvt+fOI3aG8O0znHu/NWI/0gGtkMzbc0PPU7ufp2qwmMT1eVaTLy9fnmWm06UoRNrSlI8AAbAR5lcSVWSYSxJV6cYaTcBDU2tAF9+QNucVi5ruQpSh7OXuhI82fpF0rJFgfL2eMIdGFvPfn6PzUJ7dqd2QbWznk89T6nwqzlzaHXFPPTIccWoqUtSt1E8yfad4WSuIqpIMerylenJdoG4Q1NKQkHrsDaKZcCEkJ0DcgEW3O3OEj6RoGlIveIW6N2nInOfd+aml7fWTNDJbc0gdAXZH0bVd8vX6hLuOOy1bm2lvK1urbmlhTivFRB3PmYxPVKZmZkTszUHnpgEEPOPFSwRyOom+3SKKeS0bbJNtjtciEzyEgaglI9g2gOjweDOfo/NNb2+RsdvbbWA9M7ucemdq2FmcR1edYVLTtdnX2V21NuzSlJNjfcE2jBJVSYp7hekKk/KuFOkrYeLainba6SDa4jXtTbQFtIHtEJXUoO2kbeUB0gCdxnOfd+aY3t9iZGYmW1gaeo3cH3jbhbKvYhq0wpt5+uzjq2la2luTSyptXik3uD7IynF2If8ApNUf8dc/LGqzyEXJ0xgl1BM00bAgLHMQ34qEH9uf6+dVpe3qAM5tUZx05H3eFbX/AHY10c8U1AeI9cWP9KGmcnG5glapoOOLWFFRVck8ySepMIMGPj5DZCe73b7bQvnnyR3lXtvF+DSXwadk5mJ2nP8AXK5it/SBjvtpqaKK2NiMrXMLgfUYzw0ZRr80/GCEHrS/vvsgjrs+37l4D3Lf6/8A1a9uS4eIWfdCukzhlFdku9ieV4808F1tIVuRGRUtpcKrCG59E/onedotNrLAUGiFnraIvPYdnqWoraXrSnfbwh9kp9UuoJWq6R0EOKqnIzAs6BbkbwHnqjI8lEJOcUCApJCuRMP6e0clFNsOISpW91eMYp2SkFu9rKKG/MQok06EaVoNyraE6ApWjCWqTPmZQ/UnW1hTaUpCRyHOHZlCS3e4AtsYZao832jepSkDl3oZ6rXp1toy0gFqBFtVoa1JnlZ8T1tmSu2kpU7uPG3tiKyMrNVqY1PK7g8I8pkp6bmQXwo6tyVQ/suM0xjS2kBXh1hQMnlOJwOE7MuStHl0pSgXCeXnCP5YmXwo27l+cN7XrtUfLiwezPKxhe4wUNdm2jl8YdnKjJKaalM9qS0hRt7YTMMbd4beJheimvvrJDR36kQrbo6gkqU2vu9Lc4akXyltBCCvqr7IXVBWmXsOZEZpCkTrm7csvTa9yLR4qjSu6yUkLva1jDs4TvJKcISAbQ5MfWVdXnDrUHiFKTy2Ee6LKqlZNGpspKgBcjblCCpPWmSk32NrwZypBw1YWWiHSo76jHyusNfJi5lSSFMEWPiVbWhRLNr1AlBOrlYR9xEj9Dy1NsQ5MuaiD96n/aIVNwCFioaC1JI1JIATyMe5ybS2mxULKNt4yTTzNPky4tWkIQIjUjOLrlSXNukiWlxdI8VdIfxwExw9FcuQeYTuVmbWEMdJdcQzSKoy9NhFiVyijofQAdrlpbg9/ltvPxw4Mk6rTBiCmBD8tOMiYZdSDZTak6kqHtBBjmvLukBIUpQ7S5IHSOoWEcS0XO/hAw1VqettydoMgKHVWEm6mJiXQE2Vfe6kFtfsX4Q2YZAIU1K7Y/b6rltPS5lJt5g32Vtf3wolTuLgjfqYfMyKZ8l4jmGkI0JCztEfl9RIIsNoYw4W+1Pksu5BFjbrDvKuoG5Gx2EMUmonTqtfpbrDsyRsu4528v8AbE7OUJ1DxCu8ogjyuPfCpC3AE3dF1Gxvz0whZHfBuLcrqHS1/jGYPICbLOhJ7wUo7+0RZAyFG44SoA6grl5j8ftjy86ptwnUog25iMSFFIu60UuGxuFX1fGPq1IJAtqJAtYXvsL+fSDGOUh8XVeHyXSHGwVWO9v4YbnlN3LYX9G55nmOcKFJCtWlwgHu2J5QieUlBJKTyA3GwMNLkrW4WB5yyibgWBI6+EIFqAJSCLHpawMKHF2JTbmd7pGx84QuqIUUpBJBtYD8UV3qRY3lhW5Iv+KErq9HJe8enQCq/ZgKHU8xCWY1Ak8wBfaK6VeHFpsTcX2hK6b3AN9z+flHrVq7w6H3xgK0p6bctoRR5wvnaaRvCZ5wq5CPayVcoTqWE3B+zb7IQphKSvKte8Iy5pWlQ6ERnmlXJ5AeMJFnkfCIXccqF4yCFfuAZ9LtDaAUDtaHqdeJt5c4r/LSfJkwwVfRMTSYdvve9xeLrzlocuRtrdneR+hKydqnyghJrghu8rV3lVthrDI7Gz75B8Ei/wBsLp7Cjihdl/YX+kmJBTpUS6dF7wofVZNr+yG8qYDhV65haf1lSXmz77RhcwzUF/RUjbnvE1cbW6opTqHmIzsSymk2vqJHXeDlM2Eqv10Kpyye0Es4rpdJv9kJmUzzUyntitIHe74t7ost2UdS32qwAPARGqupt9CkFtJUOpFzAfRIW7Qo5WJlxbjRKCvtLBOnfcGPcszNOgamSkHxEONOl0M2dUhN+QBEP8s1KzDgbVe9gbdIUJA0lNDFHbSA884gbcgN49tUeXmnVIZaCh0Uoc4eZyRbQQGdxCqUaQwkKCU8vCDITw3HVfZSjS7SdHq6E38AIyuUWWI1digEeIG8LUzCQsBShfzMZFuJXpGx8YThPAam12kSjZSkJSNXgmPUxSWQkaQjlDipV1osNhHl5SFqsEg9OUCXCTtSfYNt2IsrpCZ6SacdAU2CdV72F4dXEgJTYDYRhDepxJt13gyEgasimGOzSwpPdCb+cMbMhLOTa1hlJA6w+TSwlSykbBs7wgkk6ApQF9Z6dITKCMpbJMNocSeyBsPDkLxGa80JvFa1hV0SbAbv0Cjuf4IlTJMu2p9SjYbqueSQCTCfK7KnMXPDEEzR8vaSh5anNc3PTCiiVlEr5doux3I5JG5t05wjpGxjc4p8cbpXbIxkqpsbVRUy+zSZQhSlWCrePKHORkWaTIoY2BQAt4nlqtsIszNzhGzRyFqTWJsctSNRojziWm6nTnFLZbdVshDoUApu52BIIPK+8QZEk0+SpxV07kgjrD4pGyjLSmzRPiOxwwVipyXXQqZcIBVyT+tjf/0dE3LVXLnMzBy31F9p6TqTbO5TpW0ttSvC/cSD7B4Rz1eqL0jWDLuSjq0vABrsU6jfwtG03o9cbzmFuIym0KdYmpSWxhTpyiuJdTqS4ot9s2AATYhxlO5G1yOsSuGWkKBp2OBUH4k8Nro2MJlNubqunnFQNEE2AvpB28LRt9xt4WMhiKYfDexJIVp/hjUFpJSrSpPI9RFcHhb8Zy3hOLKtISEn3+2HGVXewBNjyB/P2Q0tk2Ct+ZMLpVe1j1/PeHsfjopiE9NOkpAFweYP+3bxhZLuOJUAiwAt0/P4w1NOEWsTvtt4nrCxiY0kAm2mwO/QHf3xca7IUbglie+Poi5N79fP43j24G3AQCQTYG3h+Yjz26EnZAt4gWjECvWpW1lC+xvyh7VG4+ixTCgkgDfUNt77jyhA/wB+17XPKyYVTKC20hClFRSALnkPfufhCNa+t0n2nnCOCVpKQqUUq1G9xvvteEbziASbqB66Dy8oUvvNgXcUUkqIO3MQhcWFAdm5cW35i0VXu5wpOqwqcNzYn2nneEjqu93gABy8jGd3kLc97+MJHQoG6lG3iYhzhDnLC8tOpSj9Y3MJXFW5xmeIttY8oTKNyb35nmBaG5URdleSrbpCV0gR7W6n77aMDiwoGxhMpEneUCSDuPCEbyrA+EKHfKErhukgiInBRkqcZcz3YzZaKu6raLIdmDoSfHaKTw3PqkZ9ty5sTa14tlmbDrAXqvqAI35RZYdzMLm3M7iscP4k5doPGCEfbp8R8YITKuYVHDG2KgLfLcx8RArGuKVf08mT7SPyQxwRDkq3gJ6GNMUj+nUx8R+SPQxxiwcq7M/EfkhjggyUuE9u42xW8nQ7XZpSediRCZWI64rc1N4n2w2wQZKTAKcvujrn9U3vjHpOKK+g6kVR8HxuIa4IMlLhO5xZiFXOrTHxEek4yxMgaU1mYAHLcfkhmggyUmAnc4uxITqNYmL+NxHoYyxQOVamR7FQzQQZKMBPQxpiof08mvwhHoY4xYOVcmPiPyQxwQZKVPpx1i5Wyq9NfEfkj4McYsTyr018RDHBCZQnxWN8VquDXZo357iPica4qQLIrcyB7RDJBC5whPxxzipbK2HK5MqQ4LKBI3iTYG4hM5ctacqkYEzCqdFk1uF1bUqUAKWeZN03J9sV3BDSA7qnNe5hy04Vp4o4oM/MaUOcw1irNKs1Ol1BARMyr6klDoBuARboQDEBViivHlU3vDmIaoIGjZ8lK97pDl5yU6JxNXUuB5NVfDiRZKha4hxw/mTjnCteksT4dxPPSNWpzwmJWcaXZxlwclJMRqCH7io8BWDi3iAzjx04XcXZg1SqrVe5mCk8+fIRERiWtglQqLt1G55c4bIIblPDiOhTr91Nf/qm98RHpOLcRI3RVXgfaIaIIXOEb3eqexjXFKfo1qY+yPQx1iwcq5MfEfkhigg3EeaN7vVP33dYt/q7M7G/MQDHWLUABFdmRtbmPyQwwQu93qjcfVPq8c4rc+nW5g+235I8fdnic7Gsv9eo6+6GWCDe4+aTcU7nF2I1c6u+fhHg4or6jdVTeJ9ohrghMlLud6pyOJK4rnUnjfzjya/Vz/Rzn2Q3wQmUbj6pca5VTznXI+Gs1I85xz4CEUELlJkpX8qz9retL+Aj4anOnnMKPuEJYIRGSs5n5sm5ePwEfDNzB/nx+AjDBAeUZKzonZlCgpLxBG42EOKMX4jbSENVZ9KR0FoZ4IUEhNLQTkhPf3ZYl/q1MfZ+SCGSCERtCIIIIEqIIIIEIggggQiCCCBCIIIIEIggggQiCCCBCIIIIEIggggQiCCCBCIIIIEIggggQiCCCBCIIIIEIggggQiCCCBCIIIIEIggggQiCCCBCIIIIEIggggQiCCCBCIIIIEIggggQiCCCBCIIIIEIggggQiCCCBCIIIIEIggggQiCCCBCIIIIEIggggQiCCCBCIIIIEIggggQiCCCBCIIIIEIggggQiCCCBCIIIIEIggggQiCCCBCIIIIEIggggQiCCCBCIIIIEIggggQv/Z" width="306px" alt="morgan stanley financial">
In the market, you make or lose money relying on the purchase and sale price of whatever you purchase. If you buy a inventory at $10 and promote it at $15, you make $5. Wealth Management WEALTH MANAGEMENT PORTFOLIO INSIGHTS Timely market commentary, thought management and portfolio ideas from Morgan Stanley’s Global Investment Office. Though training costs proceed to climb, beginning to save early could make a distinction. We value our dedication to diverse perspectives and a culture of inclusion throughout the firm.

h2>How Do You Begin Setting Your Financial Goals?</h2>
Then you might make tangible choices to cancel that subscription or exit to eat a minimum of one much less time a month and put that cash into your savings account. At the top of the day, you should be residing within your means and never spending more than your take-home pay. She says discovering no much less than one thing in your budget to chop back on might help fund your emergency financial savings. Keep in mind that investing at all times includes some threat; you could find yourself losing the money you invest.
Use any additional funds you want to make extra funds on your highest-rate card. An emergency fund is money you set aside specifically to pay for sudden expenses. When you meet that goal, you’ll need to increase it so that your emergency fund can cover larger monetary difficulties, corresponding to unemployment. If you didn’t have an emergency fund prior to the COVID-19 pandemic, you probably wished you probably did.
If not, you’ve simply discovered a straightforward way to save cash each month. You can look for ways to spend less whenever you dine out, replace some restaurant/takeout meals with selfmade ones, or have a combination of the 2. If you make smart selections and put cash into the proper locations, you'll be able to scale back the risk issue, enhance the reward issue, and generate significant returns. Investing out there entails the danger of principal loss in addition to market volatility. The worth of all types of funding could improve or decrease over varying time durations. Wealth Management ONLINE FINANCIAL TOOLS Managing a quantity of financial accounts throughout totally different companies can be difficult.
From there, you possibly can create different smaller objectives that can add up to a bigger monetary cushion. Some budgeting and financial savings apps additionally provide the option of rounding up to the closest greenback in transactions and funnel that spare change towards your financial savings. A monetary skilled might help discover alternatives in your portfolio.
It also can assist obtain particular monetary goals, corresponding to chopping debt or saving money. A financial plan consists of a series of smaller objectives that can help you obtain a larger financial goal, corresponding to purchasing a house or retiring comfortably. A strong financial plan contains figuring out your targets, making a budget, constructing an emergency fund, paying off excessive interest debt and investing. These objectives will create a bridge between your short- and long-term financial goals. There are apps out there that make budgeting much easier by helping you visualize your spending and financial savings decisions each month. Some budgeting apps even give you the option to enter your financial goals immediately into their platform that will assist you stay on observe.
No matter the scale or scope of your financial goals, a monetary plan might help make them a reality. You'll have to persistently reevaluate your plan so as to make certain it displays your current state of affairs and objectives. While you probably can store all your funds in the identical bank account, you could need to separate your funds into completely different financial savings accounts or brokerage accounts. Allianz Life Insurance Company of North America does not provide financial planning providers. Profit and prosper with one of the best of professional advice on investing, taxes, retirement, personal finance and extra - straight to your e-mail. Financial literacy empowers teenagers to make use of financial expertise, including private monetary administration, budgeting, and investing, to better their monetary futures.
Financial planning is essential to achieving long-term and short-term financial targets, while also getting ready you for potential future dangers and obligations. Your plan ought to accurately mirror your own monetary wants, targets, and best plan of action. Financial planning is a broad and encompassing follow that aids you and your family in higher managing your cash and preparing for potential dangers. No matter what your current monetary situation is, a solid monetary plan presents steering and insight helpful to all households.
Gallegos says debt negotiation or settlement is an option for those with $10,000 or more in unsecured debt who can’t afford the required minimum funds. When you see how you are spending your cash and you're guided by that information, you can make higher choices about the place you want your cash to go in the future. Is the enjoyment and comfort of consuming out value the additional cash each month to you?


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Last-modified: 2024-04-26 (金) 12:41:03 (9d)