The URL can be used to link to this page

Home My WebLink About03/13/2013 Study Session Agenda Packetïûêûîûèíåîùíçîùóð éèçøãé÷ééóíî îíèóù÷ûîøûõ÷îøû åùÓÆÓÙù×ÎÈ×ÊøÊÓÆ×ïÛÊÛÎÛûÊÓÂÍÎÛ ùÍÇÎÙÓÐùÔÛÏÚ×ÊÉïÛÊÙÔ ÛÈÍÊÛÖÈ×Ê ìï ÷ØôÍÎ×ÛïÛÃÍÊ ìÛÈÈÓùÍÏ×ÊÖÍÊØæÓÙ×ïÛÃÍÊ øÛÆÓØúÍÅ×ÎùÍÇÎÙÓÐï×ÏÚ×Ê ô×ÊÚñÛÓùÍÇÎÙÓÐï×ÏÚ×Ê ùÛÊÍÐïÙõÍÊÊÛÃùÍÇÎÙÓÐï×ÏÚ×Ê òÍÎìÍÉÈùÍÇÎÙÓÐï×ÏÚ×Ê êÍÄÛÎÎ×âÓ×ÕÐ×ÊùÍÇÎÙÓÐï×ÏÚ×Ê ìÇÊÉÇÛÎÈÈÍûêé¶ ÎÍÈÓÙ×ÓÉÔ×Ê×ÚÃÕÓÆ×ÎÈÍÈÔ×Ï×ÏÚ×ÊÉÍÖÈÔ×ïÛÊÛÎÛèÍÅÎùÍÇÎÙÓÐÛÎØÈÍÈÔ× Õ×Î×ÊÛÐÌÇÚÐÓÙÈÔÛÈÈÔ×èÍÅÎùÍÇÎÙÓÐÅÓÐÐÔÍÐØÛÏ××ÈÓÎÕÍÌ×ÎÈÍÈÔ×ÌÇÚÐÓÙÍÎïÛÊÙÔ ÛÈÍÊÛÖÈ×Ê ìïÐÍÙÛÈ×ØÓÎÈÔ×ùÍÇÎÙÓÐùÔÛÏÚ×ÊÉÍÖÈÔ×ïÛÊÛÎÛïÇÎÓÙÓÌÛÐùÍÏÌÐ×ÄåùÓÆÓÙù×ÎÈ×ÊøÊÓÆ× ïÛÊÛÎÛûÊÓÂÍÎÛ ûùèóíîïûãú÷èûñ÷îúãèô÷ùíçîùóðíîûîãóè÷ïðóéè÷øíîèôóéûõ÷îøûê×ÆÓÉÓÍÎÉ ÓÈÛÐÓÙÉ ÈÍÈÔ×ÛÕ×ÎØÛÙÛÎÍÙÙÇÊÇÌÈÍ èÔ×ùÍÇÎÙÓÐùÔÛÏÚ×ÊÉÛÊ×ÅÔ××ÐÙÔÛÓÊÛÎØÔÛÎØÓÙÛÌÌ×ØÛÙÙ×ÉÉÓÚÐ×ì×ÊÉÍÎÉÅÓÈÔÛØÓÉÛÚÓÐÓÈÃÏÛÃÊ×ËÇ×ÉÈÛ Ê×ÛÉÍÎÛÚÐ×ÛÙÙÍÏÏÍØÛÈÓÍÎÉÇÙÔÛÉÛÉÓÕÎÐÛÎÕÇÛÕ×ÓÎÈ×ÊÌÊ×È×ÊÚÃÙÍÎÈÛÙÈÓÎÕÈÔ×èÍÅÎùÐ×ÊÑÛÈ ê×ËÇ×ÉÈÉÉÔÍÇÐØÚ×ÏÛØ×ÛÉ×ÛÊÐÃÛÉÌÍÉÉÓÚÐ×ÈÍÛÊÊÛÎÕ×ÈÔ×ÛÙÙÍÏÏÍØÛÈÓÍÎ èÔÓÉîÍÈÓÙ×ÛÎØûÕ×ÎØÛìÍÉÈ×ØÎÍÐÛÈ×ÊÈÔÛÎèÇ×ÉØÛÃïÛÊÙÔ ìïÛÈÈÔ×ïÛÊÛÎÛïÇÎÓÙÓÌÛÐ ùÍÏÌÐ×ÄåùÓÆÓÙù×ÎÈ×ÊøÊÓÆ×ÈÔ×ïÛÊÛÎÛíÌ×ÊÛÈÓÍÎÉù×ÎÈ×Ê åóÎÛêÍÛØÛÎØÛÈ ÅÅÅÏÛÊÛÎÛÙÍÏÍÎÈÔ×èÍÅÎùÐ×ÊÑÌÛÕ×ÇÎØ×ÊûÕ×ÎØÛÉïÓÎÇÈ×ÉÛÎØê×Ù×ÎÈûÙÈÓÍÎÉ ùûððèííêø÷êûîøêíððùûðð ìð÷øõ÷íöûðð÷õóûîù÷ óîæíùûèóíî ïíï÷îèíöéóð÷îù÷ ûììêíæûðíöûõ÷îøû ùûððèíèô÷ìçúðóù ûÈÈÔÓÉÈÓÏ×ÛÎÃÏ×ÏÚ×ÊÍÖÈÔ×ÌÇÚÐÓÙÓÉÛÐÐÍÅ×ØÈÍÛØØÊ×ÉÉÈÔ×èÍÅÎùÍÇÎÙÓÐÍÎÛÎÃÓÉÉÇ×ÅÓÈÔÓÎÈÔ× ÒÇÊÓÉØÓÙÈÓÍÎÍÖÈÔ×èÍÅÎùÍÇÎÙÓÐ×ÄÙ×ÌÈÖÍÊÓÈ×ÏÉÉÙÔ×ØÇÐ×ØÖÍÊÛìÇÚÐÓÙô×ÛÊÓÎÕÛÈÈÔÓÉÏ××ÈÓÎÕèÔ× ÉÌ×ÛÑ×ÊÏÛÃÔÛÆ×ÇÌÈÍÈÔÊ××ÏÓÎÇÈ×ÉÈÍÉÌ×ÛÑûÎÃÌ×ÊÉÍÎÉÅÓÉÔÓÎÕÈÍÛØØÊ×ÉÉÈÔ×ùÍÇÎÙÓÐÏÇÉÈ ÙÍÏÌÐ×È×ÛÉÌ×ÛÑ×ÊÙÛÊØÐÍÙÛÈ×ØÍÇÈÉÓØ×ÈÔ×ùÍÇÎÙÓÐùÔÛÏÚ×ÊÉÛÎØØ×ÐÓÆ×ÊÓÈÈÍÈÔ×èÍÅÎùÐ×ÊÑÌÊÓÍÊÈÍ ÈÔ×ÙÍÏÏ×ÎÙ×Ï×ÎÈÍÖÈÔ×Ï××ÈÓÎÕóÎØÓÆÓØÇÛÐÉÛØØÊ×ÉÉÓÎÕÛÏ××ÈÓÎÕÛÈÈÔ×ùÛÐÐÈÍÈÔ×ìÇÚÐÓÙÅÓÐÐÎÍÈÚ× ÌÊÍÆÓØ×ØÅÓÈÔ×Ð×ÙÈÊÍÎÓÙÈ×ÙÔÎÍÐÍÕÃÙÛÌÛÚÓÐÓÈÓ×ÉÚ×ÃÍÎØÈÔ××ÄÓÉÈÓÎÕÆÍÓÙ×ÛÏÌÐÓÖÓÙÛÈÓÍÎÛÎØÊ×ÙÍÊØÓÎÕ ÙÛÌÛÚÓÐÓÈÓ×ÉÓÎÈÔ×ÖÛÙÓÐÓÈÓ×ÉÛÎØÈÔ×èÍÅÎÉÍÆ×ÊÔ×ÛØÌÊÍÒ×ÙÈÍÊ ØÍÙÇÏ×ÎÈÊ×ÛØ×ÊìÇÊÉÇÛÎÈÈÍÈÔ×ûÊÓÂÍÎÛ íÌ×Îï××ÈÓÎÕðÛÅÛÈÈÔ×ÙÍÎÙÐÇÉÓÍÎÍÖùÛÐÐÈÍÈÔ×ìÇÚÐÓÙÓÎØÓÆÓØÇÛÐÏ×ÏÚ×ÊÉÍÖÈÔ×ùÍÇÎÙÓÐÏÛÃ Study Session - March 13, 2013 - Page 1 of 125 Ê×ÉÌÍÎØÈÍÙÊÓÈÓÙÓÉÏÏÛØ×ÚÃÈÔÍÉ×ÅÔÍÔÛÆ×ÛØØÊ×ÉÉ×ØÈÔ×ùÍÇÎÙÓÐÛÎØÏÛÃÛÉÑÉÈÛÖÖÈÍÊ×ÆÓ×ÅÈÔ× ÏÛÈÈ×ÊÍÊÏÛÃÛÉÑÈÔÛÈÈÔ×ÏÛÈÈ×ÊÚ×ÌÐÛÙ×ØÍÎÛÖÇÈÇÊ×ÛÕ×ÎØÛ øóéùçééóíî øóê÷ùèóíî ìíééóúð÷ûùèóíî øìÊ×É×ÎÈÛÈÓÍÎê×ÐÛÈÓÎÕÈÍúÇØÕ×ÈÛÎÇÌØÛÈ×ÍÖÈÔ×èÍÅÎÉÖÓÎÛÎÙÓÛÐÉÈÛÈÇÉÍÖÈÔ× õ×Î×ÊÛÐöÇÎØÖÍÊÈÔ×É×Æ×ÎÏÍÎÈÔÉÍÖÈÔ× ÖÓÉÙÛÐÃ×ÛÊ÷ÊÓÑïÍÎÈÛÕÇ× ø ê×ÐÛÈÓÎÕÈÍèÊÛÎÉÛÙÈÓÍÎìÊÓÆÓÐ×Õ×èÛÄ×ÉìÊ×É×ÎÈÛÈÓÍÎÉÇÊÊÍÇÎØÓÎÕÌÊÍÌÍÉ×Ø Ð×ÕÓÉÐÛÈÓÆ×ÙÔÛÎÕ×ÉÓÎÙÐÇØ×ØÅÓÈÔÓÎôú èÊÛÎÉÛÙÈÓÍÎìÊÓÆÓÐ×Õ×èÛÄùÔÛÎÕ×Éø×Ð ìÍÉÈÛÎØ÷ÊÓÑïÍÎÈÛÕÇ× ÷ä÷ùçèóæ÷é÷ééóíî ìÇÊÉÇÛÎÈÈÍûêé¶ ÈÔ×èÍÅÎùÍÇÎÙÓÐÏÛÃÆÍÈ×ÈÍÕÍÓÎÈÍ×Ä×ÙÇÈÓÆ×É×ÉÉÓÍÎÅÔÓÙÔÅÓÐÐ ÎÍÈÚ×ÍÌ×ÎÈÍÈÔ×ÌÇÚÐÓÙÈÍØÓÉÙÇÉÉÙ×ÊÈÛÓÎÏÛÈÈ×ÊÉ ÷÷Ä×ÙÇÈÓÆ×é×ÉÉÓÍÎÌÇÊÉÇÛÎÈÈÍûêé¶ û ùÍÇÎÙÓÐÏÛÃÛÉÑÖÍÊ ØÓÉÙÇÉÉÓÍÎÍÊÙÍÎÉÇÐÈÛÈÓÍÎÖÍÊÐ×ÕÛÐÛØÆÓÙ×ÅÓÈÔÈÔ×èÍÅÎûÈÈÍÊÎ×ÃÙÍÎÙ×ÊÎÓÎÕÛÎÃÏÛÈÈ×Ê ÐÓÉÈ×ØÍÎÈÔÓÉÛÕ×ÎØÛ ÷ ÷Ä×ÙÇÈÓÆ×É×ÉÉÓÍÎÌÇÊÉÇÛÎÈÈÍûêé¶ û ÛÎØÖÍÊØÓÉÙÇÉÉÓÍÎÍÊ ÙÍÎÉÇÐÈÛÈÓÍÎÅÓÈÔÈÔ×èÍÅÎ½ÉÛÈÈÍÊÎ×ÃÉÛÎØÈÍÓÎÉÈÊÇÙÈÈÔ×èÍÅÎ½ÉÊ×ÌÊ×É×ÎÈÛÈÓÆ×É ÙÍÎÙ×ÊÎÓÎÕÈÔ×ÐÛÅÉÇÓÈ×ÎÈÓÈÐ×ØìÓÏÛùÍÇÎÈÃÆèÍÅÎÍÖïÛÊÛÎÛïÛÊÓÙÍÌÛùÍÇÎÈÃ éÇÌ×ÊÓÍÊùÍÇÊÈîÍùæ ÛÎØ Ì×ÎØÓÎÕÐ×ÕÛÐÓÉÉÇ×ÉÉ×ÈÈÐ×Ï×ÎÈØÓÉÙÇÉÉÓÍÎÉ ÛÎØÙÍÎÈÊÛÙÈÎ×ÕÍÈÓÛÈÓÍÎÉÊ×ÐÛÈÓÎÕÈÍÈÔ×ÈÊÛÎÉÓÈÓÍÎÍÖïÛÊÛÎÛÅÛÉÈ×ÅÛÈ×ÊÙÍÐÐ×ÙÈÓÍÎÛÎØ ÈÊ×ÛÈÏ×ÎÈÖÊÍÏìÓÏÛùÍÇÎÈÃÈÍÈÔ×èÍÅÎÍÖïÛÊÛÎÛ ûøòíçêîï÷îè Study Session - March 13, 2013 - Page 2 of 125 åùóæóùù÷îè÷êøêóæ÷ïûêûîûûêóâíîû ùÍÇÎÙÓÐùÔÛÏÚ×ÊÉïÛÊÙÔ ìï ïÛÃÍÊÛÎØùÍÇÎÙÓÐ èÍóÈ×Ï ø ÷ÊÓÑïÍÎÈÛÕÇ×öÓÎÛÎÙ×øÓÊ×ÙÈÍÊ öÊÍÏ éÈÊÛÈ×ÕÓÙìÐÛÎöÍÙÇÉûÊ×Û ùÍÏÏ×ÊÙ× éÈÊÛÈ×ÕÓÙìÐÛÎöÍÙÇÉûÊ×ÛûØØÓÈÓÍÎÛÐóÎÖÍÊÏÛÈÓÍÎ öÓÎÛÎÙÓÛÐÉÇÉÈÛÓÎÛÚÓÐÓÈÃÓÉÍÎ×ÍÖÈÔ×ÍÆ×ÊÊÓØÓÎÕÌÊÓÎÙÓÌÐ×ÉÓÎÈÔ×Ø×Æ×ÐÍÌÏ×ÎÈÍÖÈÔ×ÉÈÊÛÈ×ÕÓÙÌÐÛÎ ìÊ×É×ÎÈÛÈÓÍÎê×ÐÛÈÓÎÕÈÍúÇØÕ×ÈÛÎÇÌØÛÈ×ÍÖÈÔ×èÍÅÎÉÖÓÎÛÎÙÓÛÐÉÈÛÈÇÉÍÖÈÔ×õ×Î×ÊÛÐ éÇÚÒ×ÙÈ öÇÎØÖÍÊÈÔ×É×Æ×ÎÏÍÎÈÔÉÍÖÈÔ× ÖÓÉÙÛÐÃ×ÛÊ øÓÉÙÇÉÉÓÍÎ éÈÛÖÖÅÓÐÐÌÊ×É×ÎÈÛÉÇÏÏÛÊÃÍÖÈÔ×èÍÅÎÉÖÓÎÛÎÙÓÛÐÉÈÛÈÇÉÖÍÊÈÔ×ÖÓÊÉÈÉ×Æ×ÎÏÍÎÈÔÉòÇÐÃòÛÎÇÛÊÃÍÖ ÖÓÉÙÛÐÃ×ÛÊ èÔÓÉ×Æ×ÎÓÎÕÉÌÊ×É×ÎÈÛÈÓÍÎÅÓÐÐÖÍÙÇÉÍÎÈÔ×õ×Î×ÊÛÐöÇÎØÅÔÓÙÔÓÉÈÔ×èÍÅÎÉ ÐÛÊÕ×ÉÈÍÌ×ÊÛÈÓÎÕÖÇÎØ ìÐ×ÛÉ×ÖÓÎØÈÔ×õ×Î×ÊÛÐöÇÎØúÇØÕ×ÈÓÎúÊÓ×ÖÖÍÊòÛÎÇÛÊÃ ÖÍÐÐÍÅÓÎÕÈÔÓÉÙÍÏÏÇÎÓÙÛÈÓÍÎÅÔÓÙÔ ÌÊÍÆÓØ×ÉÛÚÊÍÛØÌÊ×ÐÓÏÓÎÛÊÃÍÆ×ÊÆÓ×ÅÍÖÈÔ×Ê×ÉÇÐÈÉÖÍÊÈÔ×õ×Î×ÊÛÐöÇÎØ ûèèûùôï÷îèé îÛÏ×ø×ÉÙÊÓÌÈÓÍÎèÃÌ× òÛÎÇÛÊÃ úÛÙÑÇÌïÛÈ×ÊÓÛÐ õ×Î×ÊÛÐÝöÇÎØÝÓÎÝúÊÓ×ÖÝ ÌØÖ éÈÛÖÖê×ÙÍÏÏ×ÎØÛÈÓÍÎ ìÊ×É×ÎÈÛÈÓÍÎÍÎÐÃ éÇÕÕ×ÉÈ×ØïÍÈÓÍÎ ìÊ×É×ÎÈÛÈÓÍÎÍÎÐÃ Study Session - March 13, 2013 - Page 3 of 125 Ú·½¿´ Ç»¿® îðïîóîðïí Ù»²»®¿´ Ú«²¼ Þ«¼¹»¬ ·² Þ®·»º Ö¿²«¿®§ îðïí êÈÐÐÜËÄ Ù»²»®¿´ Ú«²¼ ®»ª»²«» º±® Ö¿²«¿®§ ±º üíòðë ³·´´·±² »¨½»»¼»¼ »¨°»²¼·¬«®» ±º üîòîê ³·´´·±² ¾§ üðòéç ³·´´·±²ò Ñª»®¿´´ ®»ª»²«» ¿®» ©·¬¸·² ¾«¼¹»¬ »¨°»½¬¿¬·±² º±® ¬¸» º·®¬ »ª»² ³±²¬¸ ±º ¬¸» º·½¿´ §»¿® ¿¬ ëçòçûò Û¨°»²¼·¬«®» ¿®» ¬·´´ ´·¹¸¬´§ ´» ¬¸¿² »¨°»½¬¿¬·±² ¿¬ ìéòëûò ß ³»²¬·±²»¼ ·² »¿®´·»® «°¼¿¬»ô ±°»®¿¬·²¹ ¬®¿²º»® º±® ¼»¾¬ »®ª·½» ±½½«®®»¼ ·² Ü»½»³¾»® ¿²¼ ²±© ¿°°®±¨·³¿¬» ¾«¼¹»¬ò Ì¸» ®»³¿·²·²¹ »¨°»²¼·¬«®» ª¿®·¿²½» ¿®» ´¿®¹»´§ ¼«» ¬± ¬·³·²¹ô ¿²¼ ¿®» ¿²¬·½·°¿¬»¼ ¬± ¿°°®±¿½¸ ¾«¼¹»¬ ±²½» ±³» ±º ¬¸» ±²»ó¬·³» °®±¶»½¬ ¾»¹·² ¿²¼ ¬¸» »½±²¼ ¸¿´º ±º ±°»®¿¬·²¹ ¬®¿²º»® ©·´´ ±½½«® ·² Ö«²»ò Ð»®½»²¬ ±º Î»ª»²«» Ý«®®»²¬ Ó±²¬¸ Ç»¿® ¬± Ü¿¬» ÚÇîðïí Þ«¼¹»¬ Þ«¼¹»¬ Í¿´» ¬¿¨ ®»ª»²«» ü ïôçéçôéìçòëî ü ïïôéëèôïîðòéê ü ïçôèíëôééð ëçòíû ×²¬»®¹±ª»®²³»²¬¿´ ®»ª»²«» êèéôêéëòêé ìôìêïôìêëòíç éôèîïôëçï ëéòðû Ô·½»²»ô º»» ú °»®³·¬ îëèôéìîòëç îôîêéôíèðòðë îôíìéôîëð çêòêû Ý¸¿®¹» º±® »®ª·½» íêôéíëòêè îíëôðçìòéç íèïôïðð êïòéû Ú·²» ¿²¼ º±®º»·¬«®» êîôðêíòêð ìððôêíìòìè ëéðôððð éðòíû Ù®¿²¬ ¿²¼ ½±²¬®·¾«¬·±² éôéëïòðç êëôïéèòçé ïðîôéëð êíòìû ×²ª»¬³»²¬ ·²½±³» ó ïéôêçèòëè ïððôððð ïéòéû Ó·½»´´¿²»±« ®»ª»²«» ïçôèéïòéé îíðôêçíòìí ëêîôðéð ìïòðû Ñ¬¸»® º·²¿²½·²¹ ±«®½» ó ó éëðôððð ðòðû Ì±¬¿´ Î»ª»²«» íôðëîôëèçòçî ïçôìíêôîêêòìë íîôìéðôëíï ëçòçû Û¨°»²¼·¬«®» Ð»®±²²»´ ú ¾»²»º·¬ ïôêëçôîéçòïï ïïôíçéôéðèòëè îðôççîôêëé ëìòíû Ý±²¬®¿½¬»¼ »®ª·½» íééôðêêòìê ïôéïëôêîïòìê ìôïéíôéïï ìïòïû Ñ°»®¿¬·²¹ «°°´·» ú »¯«·° ïïîôëíìòçé ïôïïîôéêïòïð íôêéìôððì íðòíû Ý¿°·¬¿´ ±«¬´¿§ ïðçôïîîòìð ëìêôçêîòíë îôîçðôçðð îíòçû Ì®¿²º»® ±«¬ ó ïôíéìôðêêòéï îôèíçôîëç ìèòìû Ì±¬¿´ Û¨°»²¼·¬«®» ü îôîëèôððîòçì ü ïêôïìéôïîðòîð ü ííôçéðôëíï ìéòëû Ò»¬ Î»ª»²«» Ñª»®ñøË²¼»®÷ Û¨°»²¼·¬«®» ü éçìôëèêòçè ü íôîèçôïìêòîë ü øïôëððôððð÷ óîïçòíû Ð®·²¬»¼ ±² Í«²¼¿§ô Ó¿®½¸ íô îðïí Ð¿¹» ï ±º ì Study Session - March 13, 2013 - Page 4 of 125 ëØÇØÏÈØÊ ß°°®±¨·³¿¬»´§ çîû ±º Ù»²»®¿´ Ú«²¼ ®»ª»²«» ½±³» º®±³ ¿´» ¬¿¨»ô ·²¬»®¹±ª»®²³»²¬¿´ ®»ª»²«» ¿²¼ ´·½»²»ô °»®³·¬ ¿²¼ º»»ò òÌ¸» º±´´±©·²¹ ¼»½®·¾» ¬¸±» ³¿¶±® ®»ª»²«»ò Í¿´» ¬¿¨» Ñª»®¿´´ ¬¿¨ ½±´´»½¬·±² ø»¨½´«¼·²¹ ¬¸» °±®¬·±² ±º ½±²¬®¿½¬·²¹ ¬¿¨» ¿´´±½¿¬»¼ ¬± ¬¸» Ì®¿²°±®¬¿¬·±² Ú«²¼ ¿²¼ ¬¸» °±®¬·±² ±º ¸±¬»´ ¿²¼ ±¬¸»® ´±¼¹·²¹ ¬¿¨» ®»½±®¼»¼ ·² ¬¸» Þ»¼ Ì¿¨ Ú«²¼÷ ©»®» üïòçè ³·´´·±² º±® Ö¿²«¿®§ øÜ»½»³¾»® ¿´» ¬®¿²¿½¬·±²÷ ¿²¼ ©»®» ëòéçû ´±©»® ¬¸¿² Ö¿²«¿®§ îðïïò Ó±¬ ±º ¬¸¿¬ ´±©»® º·¹«®» · ¿¬¬®·¾«¬¿¾´» ¬± ¿ ®»¼«½¬·±² ·² ½±²¬®¿½¬·²¹ ¬¿¨» ½±´´»½¬·±² ±º ííòîçû º±® ¬¸» ³±²¬¸ ±º Ö¿²«¿®§ ¿²¼ ´¿¹ §»¿® ¬± ¼¿¬» ¾«¼¹»¬ »¬·³¿¬» ¿¬ ìëòçû º±® ¬¸» §»¿®ò Ì¸· ª¿®·¿²½» ®»³¿·² ³¿²¿¹»¿¾´» ¿²¼ ©·´´ ¾» ½´±»´§ ³±²·¬±®»¼ò Î»¬¿·´ ¿´» ¬¿¨ ½±´´»½¬·±²ô ¬¸» ´¿®¹»¬ ¿´» ¬¿¨ ®»ª»²«» ½¿¬»¹±®§ô ©»®» ëòééû ¸·¹¸»® ¬¸¿² ¬¸» ¿³» °»®·±¼ ¿ §»¿® »¿®´·»® ¿²¼ ¿®» ´·¹¸¬´§ ¿¸»¿¼ ±º ¾«¼¹»¬ »¨°»½¬¿¬·±² º±® ¬¸» §»¿® ¿¬ êîòíûò Ø±¬»´ ¿²¼ ´±¼¹·²¹ ¿®» ¿´± ¿¸»¿¼ ±º ¾«¼¹»¬ »¨°»½¬¿¬·±² ¿¬ éîòêû ©¸·½¸ô ©¸»² ½±³¾·²»¼ ©·¬¸ ¬¸» §»¿® ¬± ¼¿¬» ®»«´¬ ±º Î»¬¿«®¿²¬ ú Þ¿®ô «¹¹»¬ ¿ ½±²¬·²«·²¹ ¬¿¾·´·¦¿¬·±² ¿²¼ ®»½±ª»®§ ±º ¬¸¿¬ ³¿®µ»¬ò Ñª»®¿´´ ½±´´»½¬·±² ¬¸®±«¹¸ ¬¸» ½«®®»²¬ °»®·±¼ ±º ¬¸· ®»°±®¬ üïïòè ³·´´·±² ¿®» ¿¬ ëçòíû ±º ¾«¼¹»¬ ©¸·½¸ · ©·¬¸·² »¨°»½¬¿¬·±²ò Ð»®½»²¬ Ý¿¬»¹±®§ ±º Ý«®®»²¬ Ó±²¬¸ Ý«®®»²¬ ÇÌÜ Ý«®®»²¬ Þ«¼¹»¬ Þ«¼¹»¬ Ó·²·²¹ ü ïôëïïòìì ü ïîôìëéòëð ü ïîôëðð ççòéû Ý±²¬®¿½¬·²¹ îðêôéíîòîë ïôïïïôîïíòéï îôìïçôéðð ìëòçû Ì®¿²°±®¬¿¬·±²ô Ý±³³«²·½¿¬·±²ô Ë¬·´·¬·» îîêôîïçòîí ïôèéëôèíìòêê íôîðìôêêè ëèòëû É¸±´»¿´» Ì®¿¼» êèôééçòïê îðíôëìîòêì îèîôîèê éîòïû Î»¬¿·´ Ì®¿¼» ïôðïïôççéòçê ëôìéçôîïðòðí èôéççôèíî êîòíû Î»¬¿«®¿²¬ ú Þ¿® ïéêôççïòçç ïôðííôðïèòíî ïôêëìôéïî êîòìû Ú·®»ô ×²«®¿²½» ú Î»¿´ Û¬¿¬» çëôëîëòîï éîíôèîçòíê ïôðêðôíïë êèòíû Ø±¬»´ ú Ñ¬¸»® Ô±¼¹·²¹ éîôêëêòèë ëêíôêçèòíð ééêôèìè éîòêû Í»®ª·½» èìôëíçòëð ëìíôëëëòîî çìðôéïë ëéòèû Ó¿²«º¿½¬«®·²¹ çôéïíòíê éêôíëéòëí ïêðôìðí ìéòêû ß´´ Ñ¬¸»® îëôðèîòëé ççôçèëòîï ïéíôéçï ëéòëû Ì¿¨ ß«¼·¬ ó íëôìïèòîè íëðôððð ïðòïû Ì±¬¿´ Î»ª»²«» ü ïôçéçôéìçòëî ü ïïôéëèôïîðòéê ü ïçôèíëôééð ëçòíû Ð®·²¬»¼ ±² Í«²¼¿§ô Ó¿®½¸ íô îðïí Ð¿¹» î ±º ì Study Session - March 13, 2013 - Page 5 of 125 ×²¬»®¹±ª»®²³»²¬¿´ ×²¬»®¹±ª»®²³»²¬¿´ ½±´´»½¬·±² ©»®» üðòêç ³·´´·±² º±® ¬¸» ³±²¬¸ ±º Ö¿²«¿®§ ¿²¼ ±ª»®¿´´ ½±´´»½¬·±² ±º üìòìê ³·´´·±² ¿®» ¿¬ ëéòðûô ©¸·½¸ · ©·¬¸·² ¾«¼¹»¬ »¨°»½¬¿¬·±²ò Ð»®½»²¬ Ý¿¬»¹±®§ Ý«®®»²¬ Ó±²¬¸ Ý«®®»²¬ ÇÌÜ Ý«®®»²¬ Þ«¼¹»¬ ±º Þ«¼¹»¬ Í¬¿¬» Í¸¿®»¼ Í¿´» Ì¿¨ ü îéçôèîíòìï ü ïôêìðôïðéòîé ü îôçîíôììé ëêòïû Ë®¾¿² Î»ª»²«» Í¸¿®·²¹ îçéôëççòîë îôðèíôïçìòéë íôëéðôèêé ëèòíû ß«¬± Ô·»« Ì¿¨ïïðôîëíòðï éíèôïêíòíé ïôíîéôîéé ëëòêû Ì±¬¿´ Î»ª»²«» ü êèéôêéëòêé ü ìôìêïôìêëòíç ü éôèîïôëçï ëéòðû Ô·½»²»ô °»®³·¬ ¿²¼ º»» Ý±´´»½¬·±² ©»®» ¿°°®±¨·³¿¬»´§ üðòîê ³·´´·±² º±® Ö¿²«¿®§ ±® çêòêû ¬¸®±«¹¸ Ö¿²«¿®§ ©¸·½¸ · ·¹²·º·½¿²¬´§ ¸·¹¸»® ¬¸¿² ¾«¼¹»¬ »¨°»½¬¿¬·±²ò É¸·´» ¿ ·¹²·º·½¿²¬ °±®¬·±² ±º ¬¸· ª¿®·¿²½» · ¿¬¬®·¾«¬¿¾´» ¬± ²»© ·²¹´» º¿³·´§ ®»·¼»²½» ¿²¼ ½±³³»®½·¿´ °»®³·¬ô »ª»®¿´ ±¬¸»® ½¿¬»¹±®·» ½«®®»²¬´§ »¨½»»¼ ¾«¼¹»¬ »¨°»½¬¿¬·±²ò ß°°®±¨·³¿¬»´§ êð ²»© ·²¹´» º¿³·´§ ®»·¼»²½» °»®³·¬ ©»®» ·«»¼ ·² Ö¿²«¿®§ ø¿½¬«¿´ ¿ª»®¿¹» ìç °»® ³±²¬¸ ªò îè °»® ³±²¬¸ ¾«¼¹»¬»¼÷ò Ð»®½»²¬ Ý¿¬»¹±®§ Ý«®®»²¬ Ó±²¬¸ Ý«®®»²¬ ÇÌÜ Ý«®®»²¬ Þ«¼¹»¬ ±º Þ«¼¹»¬ ÍÚÎ ²»© °»®³·¬ ü îïëôìêìòêë ü ïôìíêôëìëòèè ü ïôïëëôððð ïîìòìû ÍÚÎ »¨·¬·²¹ °»®³·¬ ëìîòèé éôéèéòêï îëôððð íïòîû Ý±³³»®½·¿´ ²»© °»®³·¬ íëðòðð íîïôïíéòéì îëðôððð ïîèòëû Ý±³³»®½·¿´ »¨·¬·²¹ °»®³·¬ îôìëèòðç íêôêíïòðð ïïëôððð íïòçû Ù®¿¼·²¹ °»®³·¬ îôðëïòíï êîôðíðòìê ìðôððð ïëëòïû Ë¬·´·¬§ °»®³·¬ ïôéííòçí îèôîêçòïç ïôëðð ïèèìòêû Ð±±´ °»®³·¬ êôèçìòíê íèôîêéòìé íëôððð ïðçòíû Í·¹² °»®³·¬ îôéììòíï ïïôìêêòéí îðôððð ëéòíû Ð¿¬·± ©¿´´ °»®³·¬ îôïíîòèë ïìôçîðòíë ïîôëðð ïïçòìû ÎÑÉ °»®³·¬ íôïðíòðð íìôèíïòîì îîôîëð ïëêòëû Ú´±±¼°´¿·² °»®³·¬ ïððòðð çíìòðð ëðð ïèêòèû Ó·½ò °»®³·¬ ïðôêëéòîî ïðîôèèðòèë èðôððð ïîèòêû Ú®¿²½¸·» º»» ó èïôéèçòðê íîëôððð îëòîû Þ«·²» ´·½»²» çôçêðòðð ééôëïîòðð ïíëôððð ëéòìû Ô·¯«±® ´·½»²» ëëðòðð ïôíððòðð ëôððð îêòðû ß¹¹®»¹¿¬» ³·²·²¹ º»» ó ïïôðéêòìé ïîëôððð èòçû Þ¿²µ °®±¬»½¬·±² º»» ó ó ëðð ðòðû Ì±¬¿´ Î»ª»²«» ü îëèôéìîòëç ü îôîêéôíèðòðë ü îôíìéôîëð çêòêû Ð®·²¬»¼ ±² Í«²¼¿§ô Ó¿®½¸ íô îðïí Ð¿¹» í ±º ì Study Session - March 13, 2013 - Page 6 of 125 øÅÍØÏÙÔÉÈËØÊ Ì¸» Ù»²»®¿´ Ú«²¼ »¨°»²¼»¼ üîòîê ³·´´·±² ·² ¬¸» ½«®®»²¬ ³±²¬¸ ¿²¼ üïêòïë ³·´´·±² ¬¸®±«¹¸ Ö¿²«¿®§ ©¸·½¸ ®»³¿·² ´» ¬¸¿² ¾«¼¹»¬»¼ ¿¬ ìéòëûò ß ·¹²·º·½¿²¬ °±®¬·±² ±º ¬¸· ª¿®·¿²½» ¸¿ ¼»½®»¿»¼ ¿ ¿ ®»«´¬ ±º ¬¸» Ü»½»³¾»® ¼»¾¬ »®ª·½» ¬®¿²º»® ¿²¼ ©·´´ ´·µ»´§ ½±²¬·²«» ¼»½®»¿» ø¿½¬«¿´ °»²¼ ©·´´ ¿°°®±¨·³¿¬» ¾«¼¹»¬÷ ¿ °®±¶»½¬ô °®±¹®¿³ ¿²¼ ¬¸» »½±²¼ ¸¿´º ±º ±°»®¿¬·²¹ ¬®¿²º»® ±½½«®ò Ð»®½»²¬ Ü»°¿®¬³»²¬ Ý«®®»²¬ Ó±²¬¸ Ý«®®»²¬ ÇÌÜ Ý«®®»²¬ Þ«¼¹»¬ ±º Þ«¼¹»¬ Ò±²ó¼»°¿®¬³»²¬¿´ ü îéîôêçéòçê ü îôïíîôëèêòïî ü ëôçíéôèéé íëòçû Ó¿§±® ¿²¼ Ý±«²½·´ îðôèðëòêç ïìêôïèîòèï îèçôíìí ëðòëû Ì±©² Ó¿²¿¹»® êèôéëèòðí ìçíôïéíòîï ïôðïçôççí ìèòìû Ì±©² Ý´»®µ ïèôêíèòïë ïîéôçîìòðé íèëôîíë ííòîû Ø«³¿² Î»±«®½» ìðôèëèòîë îééôéëîòîè êíîôððé ìíòçû Ú·²¿²½» ëîôîéïòîè íêîôîîîòìî èìïôéïì ìíòðû Ô»¹¿´ êèôèððòðë ìíîôííéòèð éðèôïìç êïòïû Ì»½¸²±´±¹§ Í»®ª·½» ïçêôïïìòéî ïôïðèôìëëòçç îôðíêôëðë ëìòìû Ü»ª»´±°³»²¬ Í»®ª·½» ß¼³·² ïéôçèíòéê ïíðôêíîòéç îíðôðçé ëêòèû Ð»®³·¬ ¿²¼ Î»½±®¼íèôðëïòîî íïéôêççòðé ëèçôîðì ëíòçû Þ«·´¼·²¹ Í¿º»¬§ îëôêçêòçí îðêôíêëòëé êéîôçìî íðòéû Ð´¿²²·²¹ ìïôçïïòìê îçìôéìêòðê ëéïôëîè ëïòêû Û²¹·²»»®·²¹ ïðèôîððòèè êèðôðéðòèë ïôïîçôðíç êðòîû Ð±´·½»éíèôîìéòëç ëôìíìôçèèòçè ïïôðììôíêç ìçòîû Ó¿¹·¬®¿¬» Ý±«®¬ éîôéîíòðè ìçêôéïïòïê çêíôïðç ëïòêû Ð«¾´·½ Í»®ª·½» ß¼³·² îîôççêòëí îîïôëéèòíç ìëíôðíì ìèòçû Ú¿½·´¬·»ô Ú´»»¬ ú Í¬®»»¬ ïëèôêðîòëï ïôïïðôïðëòïè îôïìèôðîï ëïòéû Ý×Ð èïôéïëòìé ëíéôçëìòêï ïôïðêôèêì ìèòêû Ð¿®µ ¿²¼ Î»½®»¿¬·±² ïçïôéíîòëç ïôìéíôïçîòëê îôèèéôçèð ëïòðû Ý±³³«²·¬§ Ü»ª»´±°³»²¬ îïôïçêòéç ïêîôììðòîè íîíôëîï ëðòîû Ì±¬¿´ Û¨°»²¼·¬«®» ü îôîëèôððîòçì ü ïêôïìéôïîðòîð ü ííôçéðôëíïìéòëû Ð®·²¬»¼ ±² Í«²¼¿§ô Ó¿®½¸ íô îðïí Ð¿¹» ì ±º ì Study Session - March 13, 2013 - Page 7 of 125 åùóæóùù÷îè÷êøêóæ÷ïûêûîûûêóâíîû ùÍÇÎÙÓÐùÔÛÏÚ×ÊÉïÛÊÙÔ ìï ïÛÃÍÊÛÎØùÍÇÎÙÓÐ èÍóÈ×Ï ø ø×ÐìÍÉÈÛÎØ÷ÊÓÑïÍÎÈÛÕÇ×ø×ÌÇÈÃèÍÅÎïÛÎÛÕ×ÊöÓÎÛÎÙ×øÓÊ×ÙÈÍÊ öÊÍÏ éÈÊÛÈ×ÕÓÙìÐÛÎöÍÙÇÉûÊ×Û ùÍÏÏ×ÊÙ×ùÍÏÏÇÎÓÈÃô×ÊÓÈÛÕ×ìÊÍÕÊ×ÉÉÛÎØóÎÎÍÆÛÈÓÍÎê×ÙÊ×ÛÈÓÍÎ ê×ÐÛÈÓÎÕÈÍèÊÛÎÉÛÙÈÓÍÎìÊÓÆÓÐ×Õ×èÛÄ×ÉìÊ×É×ÎÈÛÈÓÍÎÉÇÊÊÍÇÎØÓÎÕÌÊÍÌÍÉ×ØÐ×ÕÓÉÐÛÈÓÆ× éÇÚÒ×ÙÈ ÙÔÛÎÕ×ÉÓÎÙÐÇØ×ØÅÓÈÔÓÎôú èÊÛÎÉÛÙÈÓÍÎìÊÓÆÓÐ×Õ×èÛÄùÔÛÎÕ×É øÓÉÙÇÉÉÓÍÎ èÊÛÎÉÛÙÈÓÍÎÌÊÓÆÓÐ×Õ×ÈÛÄ×ÉÉÛÐ×ÉÈÛÄ×ÉÛÊ×ÈÔ×ÐÛÊÕ×ÉÈÉÍÇÊÙ×ÍÖÊ×Æ×ÎÇ×ÉÖÍÊÈÔ×èÍÅÎÍÖïÛÊÛÎÛÛÎØ ÏÍÉÈÍÈÔ×ÊÏÇÎÓÙÓÌÛÐÓÈÓ×ÉÓÎÈÔ×éÈÛÈ×ÍÖûÊÓÂÍÎÛûÐÈÔÍÇÕÔÎÍÈÛÈÊÇ×ÉÛÐ×ÉÈÛÄÈÊÛÎÉÛÙÈÓÍÎÌÊÓÆÓÐ×Õ× ÈÛÄ×ÉèìèÓÉÛÈÛÄÍÎÈÔ×ÌÊÓÆÓÐ×Õ×ÍÖ×ÎÕÛÕÓÎÕÓÎÚÇÉÓÎ×ÉÉèÔ×ÐÓÛÚÓÐÓÈÃÖÍÊÈÔ×ÈÛÄÓÉÍÎÈÔ× É×ÐÐ×Ê Æ×ÎØÍÊÅÔÍÏÛÃÙÔÍÍÉ×ÈÍÌÛÉÉÈÔ×ÈÛÄÍÎÈÍÈÔ×ÌÇÊÙÔÛÉ×ÊèÔ×ÈÛÄÓÉÐ×ÆÓ×ØÍÎÈÔ×ÕÊÍÉÉ ÌÊÍÙ××ØÉÍÊÕÊÍÉÉÓÎÙÍÏ×Ø×ÊÓÆ×ØÖÊÍÏÈÔ×ÚÇÉÓÎ×ÉÉ íÎïÛÃ õÍÆ×ÊÎÍÊòÛÎÓÙ×ñúÊ×Å×ÊÓÉÉÇ×Ø÷Ä×ÙÇÈÓÆ×íÊØ×Ê ×ÉÈÛÚÐÓÉÔÓÎÕÈÔ× èÊÛÎÉÛÙÈÓÍÎìÊÓÆÓÐ×Õ×èÛÄéÓÏÌÐÓÖÓÙÛÈÓÍÎèÛÉÑöÍÊÙ×èÔ×ÌÇÊÌÍÉ×ÍÖÅÔÓÙÔÅÛÉÈÍÓØ×ÎÈÓÖÃ ÍÌÌÍÊÈÇÎÓÈÓ×ÉÈÍÊ×ØÇÙ×ÈÔ×ÙÍÏÌÐ×ÄÓÈÃÍÖÈÔ×èÛÄùÍØ×ÛÎØÈÔ×Ê×ÖÍÊ×Ê×ÏÍÆ×ÍÊÊ×ØÇÙ×ÚÛÊÊÓ×ÊÉÈÍ ÚÇÉÓÎ×ÉÉèÔ×Ê×Å×Ê×ÛÎÇÏÚ×ÊÍÖÌÊÍÌÍÉ×ØÙÔÛÎÕ×ÉÓÎÙÐÇØ×ØÅÓÈÔÓÎÈÔ×ÈÔ×ÓÊÖÓÎÛÐÊ×ÌÍÊÈÈÍÈÔ× õÍÆ×ÊÎÍÊ íÎö×ÚÊÇÛÊÃ ê×ÌÊ×É×ÎÈÛÈÓÆ×ÉÖÊÍÏÈÔ×ôÍÇÉ×ÓÎÈÊÍØÇÙ×Øôú èÊÛÎÉÛÙÈÓÍÎìÊÓÆÓÐ×Õ×èÛÄ ùÔÛÎÕ×ÉèÔ×ÚÓÐÐÛÉÓÎÈÊÍØÇÙ×ØÓÎÙÐÇØ×ØÉ×Æ×ÊÛÐÊ×ÙÍÏÏ×ÎØÛÈÓÍÎÉÈÔÛÈÅ×Ê×ÅÓÈÔÓÎÈÔ×èÊÛÎÉÛÙÈÓÍÎ ìÊÓÆÓÐ×Õ×èÛÄéÓÏÌÐÓÖÓÙÛÈÓÍÎèÛÉÑöÍÊÙ×ÖÓÎÛÐÊ×ÌÍÊÈèÔ×Ê×ÛÊ×ÈÔÊ××Ñ×ÃÛÊ×ÛÉÓÎÙÐÇØ×ØÅÓÈÔÓÎôú ÅÔÓÙÔÓÖÛÌÌÊÍÆ×ØÅÍÇÐØÔÛÆ×ÛÉÓÕÎÓÖÓÙÛÎÈÎ×ÕÛÈÓÆ×ÓÏÌÛÙÈÓÏÏ×ØÓÛÈ×ÛÎØÖÇÈÇÊ×ÍÎÈÔ×èÍÅÎ èÔÍÉ×ÛÊ× éÈÛÈ×ûØÏÓÎÓÉÈÊÛÈÓÍÎèÔ×ûÊÓÂÍÎÛø×ÌÛÊÈÏ×ÎÈÍÖê×Æ×ÎÇ×ûøíêÅÍÇÐØÙÍÐÐ×ÙÈÛÐÐÈÊÛÎÉÛÙÈÓÍÎ ÌÊÓÆÓÐ×Õ×ÈÛÄ×Éé×ÐÖÙÍÐÐ×ÙÈÓÎÕÎÍÎÌÊÍÕÊÛÏÙÓÈÓ×ÉÛÎØÈÍÅÎÉÅÍÇÐØÎ××ØÈÍÈÊÛÎÉÓÈÓÍÎÙÍÐÐ×ÙÈÓÍÎ Ê×ÉÌÍÎÉÓÚÓÐÓÈÓ×ÉÈÍûøíê éÓÎÕÐ×ìÍÓÎÈÍÖûÇØÓÈèÔ×ûøíêÅÍÇÐØÚ×ÈÔ×ÍÎÐÃ×ÎÈÓÈÃÛÇÈÔÍÊÓÂ×ØÈÍÌ×ÊÖÍÊÏÈÊÛÎÉÛÙÈÓÍÎ ÌÊÓÆÓÐ×Õ×ÈÛÄÛÇØÓÈÉ ÷ÐÓÏÓÎÛÈ×ùÍÎÉÈÊÇÙÈÓÍÎéÛÐ×ÉèÛÄùÍÎÈÊÛÙÈÓÎÕÉÛÐ×ÉÈÛÄ×ÉÅÍÇÐØÚ××ÐÓÏÓÎÛÈ×ØùÍÎÈÊÛÙÈÓÎÕÈÛÄ×É ÅÍÇÐØÉÔÓÖÈÖÊÍÏÈÔ×ÒÍÚÐÍÙÛÈÓÍÎÈÍÈÔ×ÌÍÓÎÈÍÖÉÛÐ×ÍÖÈÔ×ÏÛÈ×ÊÓÛÐÉÊ×ËÇÓÊ×Ø èÔ×ÌÇÊÌÍÉ×ÍÖÈÔÓÉÉÈÇØÃÉ×ÉÉÓÍÎÓÈ×ÏÓÉÈÍÌÊÍÆÓØ×ùÍÇÎÙÓÐÅÓÈÔÛÎÇÌØÛÈ×ÍÖÚÓÐÐÌÊÍÆÓØ××ÉÈÓÏÛÈ×ÉÍÖ Ê×Æ×ÎÇ×ÓÏÌÛÙÈÛÎØÈÍÚ×ÕÓÎÖÊÛÏÓÎÕÉÈÊÛÈ×ÕÓ×ÉÈÔÛÈÙÍÇÐØÚ×Ø×ÌÐÍÃ×ØÈÍÏÛÎÛÕ×ÙÔÛÎÕ×ÉÓÎÑ×Ã Ê×Æ×ÎÇ×É öÓÎÛÎÙÓÛÐóÏÌÛÙÈ Study Session - March 13, 2013 - Page 8 of 125 ìÊ×É×ÎÈÛÈÓÍÎÍÎÐÃ ûèèûùôï÷îèé îÛÏ×ø×ÉÙÊÓÌÈÓÍÎèÃÌ× èìèéÓÏÌÐÓÖÓÙÛÈÓÍÎèÛÉÑöÍÊÙ×öÓÎÛÐê×ÌÍÊÈúÛÙÑÇÌïÛÈ×ÊÓÛÐ èìèÝ ÝèÛÉÑöÍÊÙ×öÓÎÛÐê×ÌÍÊÈÌØÖ ÔÚ ÌÌØÖ ôú úÛÙÑÇÌïÛÈ×ÊÓÛÐ Ô åÛÃÉÛÎØï×ÛÎÉûØÍÌÈ×ØûÏ×ÎØÏ×ÎÈúÛÙÑÇÌïÛÈ×ÊÓÛÐ ÅÏÝûØÍÌÈ×ØÝûÏ×ÎØÏ×ÎÈÌØÖ éÈÛÖÖê×ÙÍÏÏ×ÎØÛÈÓÍÎ ìÊ×É×ÎÈÛÈÓÍÎÍÎÐÃ éÇÕÕ×ÉÈ×ØïÍÈÓÍÎ ìÊ×É×ÎÈÛÈÓÍÎÍÎÐÃ Study Session - March 13, 2013 - Page 9 of 125 TPT RANSACTION RIVILEGE AX STF IMPLIFICATION ASK ORCE FINAL REPORT December 13, 2012 Study Session - March 13, 2013 - Page 10 of 125 Table of Contents Introduction and Process Summary .................................................................................................1 The Need for Standardization in ...................................................3 The Status of Taxation of Online and Other Remote Sales .............................................................9 The Need to Reform State and Local Taxes on Contracting Activity ...........................................13 Task Force Recommendations .......................................................................................................18 Study Session - March 13, 2013 - Page 11 of 125 INTRODUCTION AND PROCESS SUMMARY In accordance with he members of the Transaction Privilege Tax Simplification Task Force are proud to submit this report to the Speaker of the Arizona House of Representatives, the President of the Arizona State Senate, and tothe Governor. On May 11, 2012, Governor Janice K. Brewer issued Executive Order 2012-01 establishing the Transaction Privilege Tax Simplification Task Force. The Governor noted in the Executive Order that the need for such a Task Force was premised on three points: Arizona has one of the most complex transaction privilege tax (TPT, commonly identified as the sales tax) systems in the country; modernize and simplify the The Governor appointed tax and finance experts representing municipalities, businesses and the state to i frustration and improve compliance. Specifically, Governor Brewer appointed the following nine individuals as voting members of the TPT Simplification Task Force (in alphabetical order): Steve Barela, State and Local Tax Manager, Arizona Public Service Company Tom Belshe, Deputy Director, Arizona League of Cities and Towns Lynne Herndon, City President, BBVA Compass Keely Hitt, Senior Tax Manager, Circle K Stores, Inc. Michael Hunter, Director of Legislative Affairs, Office of Governor Janice K. Brewer Kevin McCarthy, President, Arizona Tax Research Association John Olsen, Senior Tax Auditor with the Town of Gilbert Linda Stanfield, President, Benjamin Franklin Plumbing Miguel Teposte, Finance Supervisor Tax, City of Phoenix The Governor also appointed three non-voting advisory members to the Task Force: John McComish, member of the Arizona State Senate Rick Gray, member of the Arizona House of Representatives Vince Perez, Deputy Director, Arizona Department of Revenue Michael Hunter was designated by the Governor to serve as chairman of the Task Force. 1 Study Session - March 13, 2013 - Page 12 of 125 The Task Force met 17 times between July 23 and December 13. Five of these meetings were publically noticed as Task Force meetings and nd the 2 Floor of the Executive Tower. The other 12 meetings were structured working groups to provide a forum where subject matter experts led stakeholders and the public ina focused and interactive forum for specified subsets of the Task Force's work. Working group meetings were conducted in a less formal manner and met in a large conference room at the Arizona League of Cities and Towns. Since these meetings were noticed as Task Force meetings convened and adjourned by the Task Force chair they were open to all Task Force members. Agendas, minutes, and all materials generated throughout the Task Force process were posted website: http://azgovernor.gov/tpt/. Three appointed subject matter experts each chaired four working group sessions and were charged with facilitating a public discussion in sufficient depth and detail in three primary areas of work. The three working group leaders and focus areas were: Patrick Irvine, Of Counsel at Fennemore Craig Standardization of State and Local Tax Treatment and Practices Î Dennis Hoffman, Professor and Director of the L. William Seidman Research Institute at Arizona State University Taxes on Online Retail and Remote Sales Î Craig McPike, Partner at Snell & Wilmer State and Local Taxes on Contracting Î The work of the Task Force also benefited greatly from the contributions from staff at the Department of Revenue, The Arizona League of Cities and Towns, County Supervisors Association, Arizona Tax Research Association, as well as several subject-matter experts representing various private and public sector stakeholders. Individuals who made notable contributions include: Christie Comanita, Elaine Smith, Lee Grafstrom, Dept. of RevenueDept. of RevenueCity of Chandler Lorna Romero, Lindsay Scornavacco, Duong Nguyen, ChrisMcIsaac,Barbara Dickerson,John Arnold, OfficeDeloitte Tax Mark Barnes,Michelle Ahlmer, Alan Maguire County Supervisors Assoc.Arizona Retailers Assoc.The Maguire Company Jay Kaprosy,Mike Kempner,Jennifer Stielow, VeridusDept. of RevenueArizona Tax ResearchAssoc. Gabe Soto,Candice Bartle,Jim Eads, Ernst & YoungErnst & YoungRyan StephenKranz,Jennifer Solis,Dan Court, Sutherland Asbill & BrennenDept. of RevenueElliott D. Pollack& Company Joe RinzelTom Johnson Retail Industry Leaders AssociationDept. of Revenue 2 Study Session - March 13, 2013 - Page 13 of 125 THE NEED FOR STANDARS STATE AND LOCAL TRANSACTION PRIVILEGE TAX system, especially since such descriptive accounts are readily available elsewhere. However, it is worth beginning with a few fundamental definitions and statements of fact. Forty-six states and the District of Columbia have a sales tax or similar tax on certain business transactions (New Hampshire, Oregon, Montana, and Delaware do not). Over 7,000 taxing jurisdictions impose sales and use taxes administered by the state except in Alabama, Colorado, Louisiana and Arizona. A sales tax is a tax on the retail sale of goods and services and is the legal obligation of purchasers or consumers. These taxes are collected by sellers as agents of the taxing authority. The tax is calculated as a percentage of the sales price. of engaging in business in the state. The liability for the tax is on the seller/vendor, who may choose to pass the tax on to the purchaser. The tax is levied on the gross proceeds or gross income derived from the business. historically relied heavily on the TPT as a revenue source. Compared to the property or income tax, the TPT has generally been more popular at the ballot as a means to address specified revenue problems that are presented to voters. Successful passage of Proposition 301 in November of 2000 and Proposition 100 in May of 2010 are recent cases in point at the state level. The state TPT is currently levied on 16 business classifications. Examples of state classifications include: retail, utilities, restaurants (and bars), prime contracting, transient lodging (hotel/motel), rental of personal property, telecommunications, and amusements. The retail classification makes up approximately 51 percent of total state TPT revenue, followed by restaurants and bars (11%), prime contracting (10%), and utilities (10%). The remaining 18 percent of the total is comprised of a combination of the other classifications. State statute provides specific activities or transactions that a taxpayer (seller/vendor) may deduct from the gross proceeds of the sales or gross income in determining the tax base prior to calculating the tax. Each business classification has its own deductions and exemptions, which do not flow from one classification to another. In 1989 there were 45 deductions or exemptions under the retail classification. Currently, the retail classification includes 98 deductions or exemptions. 3 Study Session - March 13, 2013 - Page 14 of 125 to the storage, use or consumption of tangible personal property and utility services in Arizona. It also applies to purchases from out-of-state vendors and to purchases for resale that are subsequently taken out of inventory for their own use. The use tax tax has been paid on the purchase of the tangible personal lower than the Arizona use tax rate, the purchaser is required to pay the difference. The use tax is imposed to create a level playing field for in-state businesses and to de- incentivize the purchase of tangible personal property from out-of-state businesses. The Arizona Department of Revenue (ADOR) administers aTPT, use, and severance tax program In FY 2012, of the $7.3 billion ADOR collected in TPT, severance and use tax, $1.1 billion was in local taxes on behalf of counties and program cities, of which $466.9 million was for local taxes for program cities. -gest, Phoenix, to the smallest, Willcox. In FY 2011, nearly $1.6 billion in municipal taxes was collected by non-program cities, as reported to ADOR. The 18 non-program cities in alphabetical order are: Apache Junction, Avondale, Bullhead City, Chandler, Douglas, Flagstaff, Glendale, Mesa, Nogales, Peoria, Phoenix, Prescott, Scottsdale, Sedona, Somerton, Tempe, Tucson, and Willcox. s current 6.6% TPT rate also adds a layer of complexity to the system. Of that rate 0.6% is levied pursuant to Proposition 301, passed in November of 2000 and set to expire on June 30, 2021. Prop. 301 revenues are earmarked for K-12 schools, community colleges, and universities. Another temporary component of the current total rate is the 1% attributable to Proposition 100, passed by voters in May of 2010 and expiring May 31, 2013. Of the 5% rate cities and counties receive TPT revenue sharing. For the retail and restaurants and bars classifications, 60% goes to the state general fund and the remaining 40% as follows: 34.49% to the state general fund 38.08% to counties (based on population, secondary net assessed value, and point of sale) 2.43% additional to counties (based on population and point of sale) 25% to cities and towns (based on population) Each classification contributes a statutorily specified share to the Distribution Base Pool. For example, prime contracting, utilities and communications contribute 20% to the Pool, while transient lodging contributes 50%. Use taxes make no contribution to the Pool at all. 4 Study Session - March 13, 2013 - Page 15 of 125 In FY 2012, the Distribution Base Pool was $1.57 billion, of which counties received $636 million and municipalities received $392 million. The multi-jurisdictional nature TPT system is the most significant reason why it is considered one of the most complicated in the country in terms of both taxpayer compliance and government enforcement and administration. Differences between the city codes and state statute, options and exceptions between cities, multiple points of contact and administration result in complexities that can best be summarized by the following points: Multiple licensing contacts Multiple tax returns Multiple state and local tax bases Multiple audits Varying state and MCTC interpretations Model City Tax Code & State Statute The Model City Tax Code (MCTC) was created in 1987 in response to the lack of uniformity between cities. The business community has long expressed frustration about the wide divergence in local TPT and the resulting difficulty in compliance, especially for multi- jurisdictional taxpayers who are paying tax not only to the state but also to two or more cities and towns throughout Arizona. The simultaneous, if contradictory, goals of the MCTC are to provide for greater uniformity between cities and towns while allowing them to maintain local choice. R and the Arizona League of Cities and Towns (the League) plays a significant role in the administration of the MCTC. Tax professionals representing major taxpayers are consulted through the Arizona Tax Research Association and the Arizona Chamber of Commerce and Industry. Proposed changes to the MCTC are reviewed by the Unified Audit Committee and approved by the Municipal Tax Code Commission. language, along with standard options that provide alternatives for a particular code section that any city or town can choose to incorporate in place of model language. Many of the options were created to exempt areas from tax rather than implement a tax, and some have become obsolete. The final piece of the MCTC is a collection of city-based exceptions that are language with alternative language that applies only to that specific city. Excessive options and green pages are at the core of the inconsistencies among the cities. 5 Study Session - March 13, 2013 - Page 16 of 125 The most significant differences between city and state tax bases exist primarily in the following areas: Advertising Speculative Builder/Owner Builder Residential Rental Commercial Lease License for Use Food for Home Consumption Definitional differences between the cities and the state exist in the following areas: City-based Nexus Jet Fuel Manufactured Buildings Hotel Tax Broker Category The League and ADOR have made efforts outside of the working group meetings to eliminate green pages, reduce the number of options and conform language between the MCTC and state statute where possible. Thus far, 27 options have been identified for removal and 14 options have been identified to be incorporated into MCTC language a total of 41 options. In addition, in an effort to bring more conformity between the MCTC and state statute, the League stated the following technical classification changes will be made: Separating Food for Home Consumption from Retail Splitting Real Property Rental into distinct classifications of Residential Rental and Commercial Rental Adopting Pipeline and Transportation classifications in place of the Transporting for Hire classification Acomparison between the tax systems in Arizona, Florida, and Louisiana is illustrative. base. Louisiana has multiple points of contact and administration, coupled with an online portal, multiple audits and a single tax base. Arizona has multiple contact points, multiple audits and multiple state and local tax bases. It takes considerably more staff for a company doing business in multiple jurisdictions to file tax returns in the state of Arizona. For example, 50 returns each month are required for a company like Circle K due to the inability to file consolidated returns in some non-program cities. 6 Study Session - March 13, 2013 - Page 17 of 125 Smaller Arizona businesses face similar costs of doing business in multiple jurisdictions but lack the resources of larger companies. This fact can be a deterrent to future growth and puts Arizona at a competitive disadvantage compared to states with uniform tax codes. State and city inconsistencies lead to companies making many reporting mistakes by either assuming the Arizona tax system is similar to the majority of states or by paying taxes in multiple states. Businesses may choose not to locate in Arizona because of its unusual tax burdens and, similarly, consumers may choose not to purchase from those Arizona companies. The League and ADOR have made a concerted effort to eliminate individual city exceptions and reduce the list of standard options. While this effort had been gradually happening apart from the work of this Task Force, ADOR and the League attribute a renewed urgency and acceleration of their work toward the standardization effort to the Task Force. As more exceptions and options are consolidated and eliminated, the state will move toward having a single tax base. Nevertheless, the continued existence and functionality of the MCTC is evidence that the goal advocated by many multi-jurisdictional taxpayers of a single tax base shared by all jurisdictions remains elusive. It is not known precisely how much uniformity between state and local tax bases will be required by federal legislation dealing with online retail and remote sales (see discussion below). Clearly, however, a high level of standardization will be necessary. In certain specified cases, uniformity will be exceedingly difficult. For example, city taxation of food for home consumption and commercial leases are two categories where the state does not impose a tax and is not likely to adopt measures to create a uniform base. However, creating a new category for food for home consumption in state statute would allow the state to have food for home consumption in its base but taxed at a zero rate, while cities may elect to impose a rate. Online Portal House Bill 2466, sponsored by Representative Rick Gray and signed into law by Governor Brewer on May 11, 2012 (Laws 2012, Ch. 332), required the establishment of an online portal for taxpayers to pay their TPT and excise tax liabilities. This law presents a great opportunity to simplify the licensing and remission of taxes through the use of an electronically centralized portal for Arizona taxpayers to remit to all appropriate jurisdictions. The online portal, when fully implemented, will provide a single point of contact for Arizona taxpayers. The portal will allow multi-jurisdictional taxpayers to submit all necessary returns with one web-based form, thereby minimizing taxpayer confusion due to the current inconsistency between state and local tax bases and rates. One example of a state that has used an online portal is Louisiana. There, taxpayers have a single login, a single data entry page and a single payment selection with the portal. The portal saves individual taxpayer profiles, a filing history and payment options. It provides the cities ready-made files to be sent to financial institutions for payment processing. It is worth noting 7 Study Session - March 13, 2013 - Page 18 of 125 that implementation of an online portal will mask the lack of unifor system -- it will not resolve it. Taxpayers will likely find it easier to remit their taxes, but they will still be subject to many of the complexities associated with multiple tax authorities, especially involving audits. Audits In Arizona, ADOR has auditing authority for all program cities. Non-program cities, however, have separate auditing authority. A city can trigger a statewide audit, even the smallest. If a city chooses to audit a company that operates in multiple jurisdictions, a taxpayer may opt to have an audit involving all jurisdictions. ADOR has the authority and the city specific information to conduct a multi-jurisdictional audit without involving program city staff. ADOR explained to the working group that their auditors are often involved in multi-jurisdictional audits. The cities believe city auditors have local knowledge that is necessary when conducting a city tax audit; ADOR also has auditors with local knowledge. 8 Study Session - March 13, 2013 - Page 19 of 125 THE STATUS OF TAXATION OF ONLINE AND OTHER REMOTE SALES The amount of tax that is due on a purchase does not vary based on whether the transaction occurs in person, online, over the phone or through the mail. The question surrounding the taxation of online retail centers not on whether tax is due but on whether Arizona can require a seller to pay the tax that is due. Answering that question requires an understanding of the distinction between an in-state sale and a remote sale. A purchase by a customer located in Arizona is considered an in-state sale if the seller receives the order at a location in Arizona. Examples of in-state sales include: 1.A customer purchases a product at astore located in Arizona. 2.A customer purchases a product at a store located in Arizona and the product is delivered to a location in Arizona. 3.A customer purchases a product online from a seller that has a physical location. The location is in Arizona and the product is delivered to a location in Arizona. 4.A customer purchases a product online from a seller that has physical locations in multiple states, including Arizona. The seller receives the order from the customer at a business location in Arizona and the product is delivered to a location in Arizona. A purchase by a customer located in Arizona is considered a remote sale if the seller does not have a physical presence in Arizona and receives the order at a business location outside Arizona, delivering the product to an Arizona location via common carrier.Examples of remote sales include: 1.A customer purchases a product online from a seller that has physical locations in multiple states, excluding Arizona. The seller receives the order from the customer at a business location outside Arizona and the product is delivered to a location in Arizona. 2.A customer purchases a product online from a seller that lacks the physical presence to establish nexus in Arizona and the product is delivered to a location in Arizona. As a result of the 1992 U.S. Supreme Court decision in Quill Corp. v North Dakota, Arizona is prohibited from requiring a seller to remit TPT when the remote seller lacks sufficient physical presence to establish nexus in Arizona. Arizona can require a seller to remit TPT when sufficient physical presence exists. This means that if a customer located in Arizona purchases a product online from a seller that also has a physical presence in the state, that seller is required to remit TPT on that purchase. On the other hand, if the customer located in Arizona purchases the same product online from a seller that does not have a physical presence in the state, that seller is not required to remit TPT; however, use tax is due on that purchase. 9 Study Session - March 13, 2013 - Page 20 of 125 While there is no requirement to remit TPT when the seller does not have nexus in Arizona, the transaction still creates a use tax liability for the individual or business who makes the he TPT rate and is owed by a consumer when a retailer does not have the liability to remit the TPT. However, the use tax is rarely collected from individuals because it relies on taxpayers to voluntarily report their purchases from remote sellers. Due to the lack of enforcement against use tax non-compliance, it is likely that many Arizona consumers are unaware that the use tax exists and remain under the impression that It is widely held that the shift in consumer behavior toward online shopping over the past decade has cost Arizona tax revenue, jobs, and local economic activity. Evidence of the shift is captured by U.S. Census data showing that nationally the share of retail sales occurring online grew from less than one percent in 2000 to around five percent today. While tax is remitted on many of these purchases because the online seller also has a physical presence in the state where the customer is located, tax is not remitted on many others because the seller does not have a physical presence in the state where the customer is located. From the perspective of the Arizona Retailers Association, the absence of a requirement on all remote sellers to remit tax creates a distortion that places retailers with a physical presence in Arizona at a competitive disadvantage. Elliott D. Pollack and Co. estimated that in 2009 this distortion reduced tax revenues by $273 million, reduced the number of jobs in Arizona by 5,066, and reduced total economic activity in Arizona by $771 million. Various proposals aimed at requiring collection of sales tax by all remote sellers have been introduced at the federal level and in states across the country. There are three primary strategies being used to require tax collection by all remote sellers. At the state level, legislative proposals work within the constraints of the Quill decision and focus on creating a definition of nexus that captures the activities of many large online-only retailers. In Arizona, such legislation was introduced in both 2011 and 2012 but neither was passed out of the legislature. Also at the state level, departments of revenue are interpreting nexus definitions more aggressively. The increased collection efforts have yielded settlements with large online-only retailers in a number of states. ADOR and Amazon.com recently resolved a dispute over TPT remittance between 2006 and 2010. As part of the resolution of this dispute, Amazon.com and 1 its wholly owned retailers will begin remitting TPT beginning on February 1, 2013. Unlike the state legislative and enforcement efforts, the proposals at the federal level address the fundamental issue that was raised in the Quill decision: required collection of sales tax by remote sellers who do not have nexus in a state is unconstitutional. In the opinion, the court specifically noted that Congress could allow for such collection if the complexity of collection was sufficiently reduced. After 20 years of inaction on that invitation by the Supreme Court for ï ß³¿¦±²ò½±³ô ×²½òô ÚÇ ïîóÏí Ú±®³ ïðóÏ º±® ¬¸» Ð»®·±¼ Û²¼·²¹ Í»°¬»³¾»® íðô îðïî øº·´»¼ Ñ½¬ò îêô îðïî÷ô °ò ïïò 10 Study Session - March 13, 2013 - Page 21 of 125 Congress to act, there are currently three different proposals pending in Congress to allow states to require collection of sales tax on all remote sales. The basic structure of all three proposals is to grant states the authority to require collection of sales tax on remote sales provided that they meet certain requirements related to simplification and standardization of the tax code. While there are differences among them, all three versions would force Arizona to make fundamental changes in the current TPT system in order to require remote sellers to remit tax. Some of the proposed requirements include: Statewide administration. ADOR would administer TPT on behalf of the state and all municipalities. Currently, 18 Arizona cities administer their own TPT. Statewide tax base. The state and all municipalities would adopt a common tax base. Currently, each city in Arizona that imposes a tax may have a unique tax base under the MCTC that varies from the state base. Destination based sourcing for all remote sales. For the purposes of municipal tax, all municipality only imposes local tax on remote sales if the seller has nexus in the municipality. In the near term, this change may shift local tax revenues from municipalities where remote sellers have nexus to municipalities where the purchaser takes delivery, regardless of whether the remote sellers have nexus in the municipality. However, if Congress enacts legislation that allows collection of tax on all remote sales, the overall amount of local tax remitted on remote sales would increase. The timing of any Congressional action on this issue remains uncertain. However, the working group recognized that Arizona should begin the process of making the reforms necessary to position the state to avail itself of the authority granted by Congress regarding taxation of all remote sales. Online Travel Companies Fundamental tax controversies may emerge from business innovations in cyberspace. The tax treatment of hotel room sales that occur through an online travel company (OTC), such as Travelocity or Expedia, provide a case in point. When a customer purchases a room directly from the hotel, tax is imposed on the full amount paid by the customer to the hotel. In the case of purchases through travel intermediaries, including OTCs and travel agents, there have been disputes in other states over whether sales tax should be collected on the full amount paid by the customer to the OTC, including the portion of the payment that the OTC keeps, versus the portion of the payment that is paid by the OTC to the hotel. OTCs argue that the amount they retain is a fee for the service they provide to the customer and is therefore not taxable in states that do not tax services. The s operate the hotel; therefore, they are not subject tostate TPT. The hotel is subject to state TPT on the amount it receives from the OTC. 11 Study Session - March 13, 2013 - Page 22 of 125 The MCTC contains a broker provision that the State statute does not, which imposes the tax on any person that engages in a transaction on behalf of another. While municipalities in Arizona are attempting to impose TPT on the full amount, courts in states across the country are divided on this issue. Some states enacted legislation that has the effect of requiring collection of sales tax on the full amount charged to customers. Cloud Computing & Digital Goods A third topic that the working group considered was the tax treatment of cloud computing services and digital goods. Examples of digital goods include movies, songs, books and software that exist exclusively in a digital format. Cloud computing providers offer various combinations of digital goods and services including data processing, information service, hardware lease and rental, telecommunications services, and software. In many cases, these do not fit neatly into traditional sales tax categories which lead to questions regarding taxability, as well as questions related to the sourcing of those that are taxable. Across the country, the taxability of digital goods and cloud computing varies. Some states tax digital goods, but the justification for levying the tax varies among those states. For example, Arizona considers digital goods tangible personal property, the sale of which is taxable. Other states have enacted legislation that creates a taxable category specific to digital goods. Determining the taxability of cloud computing activities is even more challenging. For example, if an individual purchases a computer for the purpose of storing data, the computer is considered tangible property and therefore taxable. However, if the individual instead purchases storage space from a cloud computing provider, the taxability of that purchase is less clear. An additional level of complexity is introduced if the cloud computing provider is actually storing the data in a computer located in another state, which raises questions related to sourcing. 12 Study Session - March 13, 2013 - Page 23 of 125 THE NEED TO REFORM STATE AND LOCAL TAXES ON CONTRACTING ACTIVITY The tax on prime contracting is arguably the most complex, inefficient, and controversial area Unlike most other states, Arizona and its cities and towns do not impose TPT at the point of sale when a contractor purchases materials that are used in construction projects, repairs, and other contracting activities. Instead, the state and cities impose TPT on 65% of the amount the contractor charges the customer. From the perspective of the contractor, this causes complexity related to obtaining a TPT exemption certificate, determining whether an activity is taxable in a given jurisdiction, and calculating the correct amount of tax based on the activity performed, the location at which the activity was performed, and the value of any deductions. For contractors that operate in multiple jurisdictions across Arizona, the lack of tax base uniformity creates complexity in determining whether an activity is taxable. For example, an activity may be taxable at the state level, taxable in Phoenix, but not taxable in Glendale. In service industries like plumbing, landscaping, HVAC repair, and others, it is often the front line employee that must calculate the correct amount of tax. When the employee is working in multiple cities, this requires an understanding of the tax code in each city. Even if there is uniformity in terms of how the tax code is written, jurisdictions differ in their interpretations and application of the code. Excessive complexity in the statute and MCTC forces companies to dedicate resources toward tax compliance and away from the core operations of the business. For large businesses that employ teams of sophisticated accountants and lawyers, this may not be a major concern. However, for a small company with a core competence in plumbing or air conditioner repair, tax compliance can be an expensive nightmare. The system is equally inefficient for the jurisdictions that administer the TPT because excessive complexity increases the levels of taxpayer non-compliance and cost of administration, both intentional and unintentional. The result is less tax revenue for both the state and municipalities. The challenges associated with fixing this complex and inefficient system make prime contracting reform a controversial issue. Two major points of contention that derailed previous attempts to reform prime contracting are revenue shifts among cities and among counties and potential revenue loss to the state general fund. Any credible proposal to transition to a materials-based tax must take these impacts into account. The first major point of contention is that a transition to a materials-based tax will cause a shift in municipal and county tax revenues. Under the current system, tax applies at the location where the prime contracting activity occurs. Under a materials-based tax, the tax would apply at the location where the materials were purchased. All else being equal, this will shift the tax revenues to the municipalities and counties where the contracting suppliers are located. 13 Study Session - March 13, 2013 - Page 24 of 125 Understandably, some municipalities and counties are reluctant to make this change if it could result in a significant reduction in the amount of revenue that they collect. Another concern was that the suppliers could move to a county island where they would not be required to pay city tax. A transition to a materials-based tax, without other offsetting measures, may reduce the amount of tax revenue that flows into the state general fund. One of the reasons for the decline is that the formula used to share prime contracting revenues with cities and counties differs from the formula used to share revenues from retail sales. Specifically, 40% of the amount of tax generated by retail transactions is distributed to the cities and counties, whereas for prime contracting revenue, only 20% is distributed. Under a materials-based tax, purchases related to contracting activity would be taxed under the retail classification. This would shift more revenue into the distribution formula and cause a corresponding reduction in general fund revenue. At the request of the Task Force, ADOR developed a model to estimate the impact on state collections and revenue sharing. The results of the model and key assumptions are presented below: Key Assumptions The model projected FY 2013 TPT collections and distributions under both the current system and a materials-based system. Only state taxes and state revenue sharing were part of the analysis. Local tax levies were not part of this analysis. Cost of Materials Under the current system, 65% of the value of the contracting activity is subject to TPT. This number evolved over time and is now codified. It was meant to be a crude estimate of the umber implies that materials account for 65% of a accounts for 35%. A previous study by Arthur Anderson estimated that the cost of materials was actually closer to 41%. For the purposes of the analysis, ADOR adopted the Anderson assumption of 41%. Both analyses acknowledged that materials cost varies by the type of contracting activity. This assumption has the effect of generally reducing TPT revenues because tax will now be remitted on 41%, the assumed cost of materials versus 65% of the value of the contracting activity. 14 Study Session - March 13, 2013 - Page 25 of 125 Non-Compliance and Deductions The complexity of the current structure breeds non-compliance and is evidenced by several factors: The disproportionate amount of controversy related to the contracting industry compared to the relative dollars collected; The fact that a 20+ page draft ruling from ADOR led to significant input from stakeholders; The differing tax laws applicable to any one contractor operating in more than one jurisdiction a contractor currently operating in multiple jurisdictions must be licensed in multiple jurisdictions, must understand the varying tax laws of those jurisdictions, and must file separate returns for many jurisdictions; The lack of consistency for some audit issues between state and local jurisdictions even where the law is the same. Non-compliance comes in many forms, and the extent of non-compliance is not certain. also some general contractors. Use of an exemption certificate for items that are not properly purchased tax-free is relatively low risk it is easy to hide and audits are rare. Non-licensed contractors exist these contractors are wholly outside the current contracting tax system, and it is unclear how many are avoiding tax on purchases of materials. Finally, there is a growing concern that the contracting tax system is being used for retail sales that do not involve the modification of real property. Taxpayer non-compliance in the current system costs the state, cities, and counties millions of dollars in uncollected tax revenue. In a materials-based tax system, opportunities for contractors to either make mistakes or willingly avoid taxes are eliminated. Also, current deductions for the cost of land, pollution control equipment, development fees, and other contracting expenses will be eliminated. Both of these factors will mitigate any decreased revenue collection. The exact amount of revenue depends on the current amount of non- compliance and use of deductions that will be eliminated. Estimates of non-compliance range from around 20% to over 40%. After analyzing the assumptions that were used in each of those estimates, ADOR settled on an estimated non-compliance level of 31%. Materials Subject to Use Tax Under a materials-based system, purchases from out of state suppliers will now be subject to use tax. Under current law, this will have an impact on revenue distribution because use tax is not shared with cities and counties. However, for this analysis it is assumed that materials subject to use tax would be shared with the cities and counties in the same manner as retail transactions. 15 Study Session - March 13, 2013 - Page 26 of 125 The Results Scenario #1 ×³°¿½¬ ÚÇ ïî ß½¬«¿´ ÚÇ ïí Û¬·³¿¬» Ó¿¬»®·¿´ Ì¿¨ ü Ü·ºº»®»²½» Ü·¬®·¾«¬·±² Þ¿» üïôëêçôçðíôêìé üïôêíçôðëíôîìë üïôéìðôëðëôìíê üïðïôìëîôïçî Ò±² Í¸¿®»¼ Î»ª»²«» üíôïïëôêèíôíèð üíôîìèôèîíôîîë üíôïìçôîëéôðïí øüççôëêêôîïí÷ Í¬¿¬» Ì¿¨ Ô·¿¾·´·¬§ üìôêèëôëèéôðîé üìôèèéôèéêôìéð üìôèèçôéêîôììç üïôèèëôçéç Û¼«½¿¬·±² Ì¿¨ üëìîôíçìôëîç üëêëôèîðôíðì üëêêôðìêôêîï üîîêôíïé Ý±³¾·²»¼ Í¬¿¬» Ì¿¨ üëôîîéôçèïôëëê üëôìëíôêçêôééì üëôìëëôèðçôðéð üîôïïîôîçê Ü·¬®·¾«¬·±² Í¬¿¬» Ù»²»®¿´ Ú«²¼ üíôêëéôìèïôììç üíôèïìôïíîôêèç üíôéìçôëëéôííè øüêìôëéëôíëî÷ Ý±«²¬§ Î»ª»²«» Í¸¿®·²¹ üêíëôçíéôçêé üêêíôçèðôìêç üéðëôðéèôéëî üìïôðçèôîèí Ý·¬§ Î»ª»²«» Í¸¿®·²¹ üíçîôìéëôçïî üìðçôéêíôíïï üìíëôïîêôíëç üîëôíêíôðìè Í¬¿¬» Ì¿¨ üìôêèëôèçëôíéè üìôèèéôèéêôìéð üìôèèçôéêîôììç üïôèèëôçéç ß«³°¬·±² Ó¿¬»®·¿´ ß«³°¬·±² ìïû Î»¬¿·´ Ü·¬ò Þ¿» ìðû Ò±² ½±³°´·¿²½» ¿«³°¬·±² íïû Ó¿¬»®·¿´ Ë» ÜÞ ìðû Ó¿¬»®·¿´ Í«¾¶»½¬ ¬± Ë» Ì¿¨ ëû Î»¬¿·´ ¬¿¨¿¾´» ¿´» º®±³ ±«®½·²¹ ðû In scenario #1, the state transitions to a materials-based tax and makes no other changes to the tax code. Assuming a 41% cost of materials, 31% non-compliance, and a 5% use tax rate on materials purchased from out of state, the total amount of revenue collected increases by $2 million. However, the revenue shifts to the distribution base and away from the state general fund. The result is a $64 million reduction in state general fund revenues, a $41 million increase in county distributions, and a $25 million increase in city distributions. 16 Study Session - March 13, 2013 - Page 27 of 125 Scenario #2 ×³°¿½¬ ÚÇ ïî ß½¬«¿´ ÚÇ ïí Û¬·³¿¬» Ó¿¬»®·¿´ Ì¿¨ ü Ü·ºº»®»²½» Ü·¬®·¾«¬·±² Þ¿» üïôëêçôçðíôêìé üïôêíçôðëíôîìë üïôéèðôèîíôçêê üïìïôééðôéîï Ò±² Í¸¿®»¼ Î»ª»²«» üíôïïëôêèíôíèð üíôîìèôèîíôîîë üíôîðçôéíìôèðé øüíçôðèèôìïè÷ Í¬¿¬» Ì¿¨ Ô·¿¾·´·¬§ üìôêèëôëèéôðîé üìôèèéôèéêôìéð üìôççðôëëèôééí üïðîôêèîôíðí Û¼«½¿¬·±² Ì¿¨ üëìîôíçìôëîç üëêëôèîðôíðì üëéèôïìîôïèð üïîôíîïôèéê Ý±³¾·²»¼ Í¬¿¬» Ì¿¨ üëôîîéôçèïôëëê üëôìëíôêçêôééì üëôëêèôéððôçëí üïïëôððìôïéç Ü·¬®·¾«¬·±² Í¬¿¬» Ù»²»®¿´ Ú«²¼ üíôêëéôìèïôììç üíôèïìôïíîôêèç üíôèîíôçìðôççí üçôèðèôíðí Ý±«²¬§ Î»ª»²«» Í¸¿®·²¹ üêíëôçíéôçêé üêêíôçèðôìêç üéîïôìïïôéèç üëéôìíïôíïç Ý·¬§ Î»ª»²«» Í¸¿®·²¹ üíçîôìéëôçïî üìðçôéêíôíïï üììëôîðëôççï üíëôììîôêèð Í¬¿¬» Ì¿¨ üìôêèëôèçëôíéè üìôèèéôèéêôìéð üìôççðôëëèôééí üïðîôêèîôíðí ß«³°¬·±² Ó¿¬»®·¿´ ß«³°¬·±² ìïû Î»¬¿·´ Ü·¬ò Þ¿» ìðû Ò±² ½±³°´·¿²½» ¿«³°¬·±² íïû Ó¿¬»®·¿´ Ë» ÜÞ ìðû Ó¿¬»®·¿´ Í«¾¶»½¬ ¬± Ë» Ì¿¨ ëû Î»¬¿·´ ¬¿¨¿¾´» ¿´» º®±³ ±«®½·²¹ ìû In scenario #2, the model assumes that changing to destination based sourcing for all remote sales, as well as acknowledgement of additional revenues from remote sales that are currently taxable, will increase the size of the retail tax base by 4%. When combined with the shift to a materials-based tax, the result will generate positive revenue impacts at the state, city, and county levels. 17 Study Session - March 13, 2013 - Page 28 of 125 TASK FORCE RECOMMENDATIONS State and local governmental entities, in cooperation with taxpayers, should aggressively work to standardize the tax base, definitions, and interpretations of taxable transactions to the maximum extent possible. Standardize the administration of the TPT to benefit taxpayers and government by simplifvoluntary disclosure process. Reduce compliance costs for taxpayers and placing Arizona in a position to benefit from the potential federal legislation authorizing taxation of online and other remote sales. Eliminate allindividual city exceptions from the MCTC by January 1, 2014. Reduce current MCTC options. At present, 27 options are identified for removal; 14 options are identified for incorporation into the standard MCTC language. The remainder will be renumbered into a more simple single series. Split residential and commercial rental and adopt pipeline and transportation classifications under the MCTC Change state statute to include food for home consumption (with a 0.0% rate) Consideration should be given to changing the county excise tax statutes to authorize a use tax component. Adding a use tax component to the county excise tax authority would further eliminate disparate tax treatment. Any future proposed changes to the tax base by either the state or a municipality shouldbescrutinized and should not be enactedwithout a clear understandingofthepotentialimpactofsuch a change on state and local standardizationand budgets. Considerable efforts to standardize the cities and towns have occurred prior to this Task Force and indications are that they will continue after this Task Force process has ended. It is important that state and local governments not lose sight ofthe need for and benefits of continued progress toward simplification of the system. 18 Study Session - March 13, 2013 - Page 29 of 125 State law should provide for statewide TPT administration. ADOR will administer TPT on behalf of the state, counties and all municipalities, taking into account the needs of various jurisdictions for detailed information and cash flow. This reform should be enacted by June 30, 2014 and be effective January 1, 2015. The League will oppose any such legislation. Cities and towns are concerned that ADOR lacks the necessary resources to administer TPT on behalf of all municipalities. The current tax returns and reporting capabilities need to be revamped to provide the detail required by the cities. Further, to the extent thatstate administration is deemed necessary to impose TPT on remote sales, it should be noted that testimony on the subject suggested that the online portal creating a single tax return and single point of licensing, coupled with the agreed changes to the retail classification may be sufficient for the state to participate in any potential revenues from the taxation of remote sales. State, cities and towns should standardize TPT licensing. Such reforms will have the goal of establishing: 1) a single license fee per jurisdiction; 2) annual license renewal; 3) quarterly proration for the first year; 4) uniform temporary license provisions; and 5) consistent penalty waiver provisions. These reforms should be enacted by June 30, 2013 in order to be effective by January 1, 2014. A permanent license option should be maintained for now. When fully implemented,the online portal required byHB 2466 should be expanded to have all licenses be issued and all TPT tax returns filed through the portal. The licensing process could be made simpler by expanding the functions of the online portal. Businesses currently must apply for a license with the state and with each non- program city in which they operate. A standard application would greatly simplify the licensing process for businesses. This effort would not be difficult because cities currently collect the same information for licensing. Currently, only a small percentage of businesses apply for a license online and the goal is to have 100% of businesses apply online. The non-program cities expressed concern with a standard application process because these cities currently impose annual renewal fees. These annual fees support at least in part ongoing operations. Legislation relating to the portal should take into account the needs of the cities and towns for detailed information. It should also be mindful of the expressed need for prompt cash flow to the municipalities. 19 Study Session - March 13, 2013 - Page 30 of 125 State law should allow only a single audit, in accordance with existing statutory schedules, including a multi-jurisdictional audit if applicable. A majority of the Task Force maintains that it would be a vast improvement on our system if all audits were the responsibility of one statewide entity, ADOR. This would be contingent upon sufficient appropriations to fund an adequate number of ADOR staff auditors. If such a change were made, it would be important to ensure that ADOR cooperates with municipal tax managers to ensure specific audit needs, concerns, and reporting requirements necessary for local governance and decision-making. The current multi-jurisdictional audit process has been in place for more than ten years, offering every taxpayer the right to a single audit if they opt in. Very few taxpayers opt into a single audit. Over this period of time, ADOR has been performing multi- jurisdictional audits for all cities and towns, and the cities and towns have done the same for ADOR, increasing the number of taxpayers that are audited in any given year. Also, it should be noted that not only do the 18 non-program cities maintain an audit staff, but so do 26 program cities that have selected Supplemental Audit Authority. These cities maintain that their choice to do their own auditing is because ADOR does not have the resources and staff to adequately serve the cities and towns and address the smaller taxpayers that are generally the focus of local audits. State and local governments and taxpayers should continue to monitor and legislation allowing state taxation of online retail and remote sales. At the time of this writing, as many as four legislative proposals are in play in the United States Congress. Each of these bills will require significantly standardized and simplified. 20 Study Session - March 13, 2013 - Page 31 of 125 The Arizona State Legislature should act to ensure Arizona is well-positioned to benefit fromthe taxation of online retail and remote sales by passing legislation clarifying that taxable transactions are sourced at the destination for both state and local taxes. Throughout the Task Force process, ADOR and the League have been drafting legislative language that would be the basis for such legislation. The legislation will also conform state and local treatment of two unnecessary state exemptions: 1) sales to nonresidents for use outside Arizona if the property is shipped or delivered outside the state and 2) tangible personal property shipped or delivered directly to a foreign country for use in that country. Economic analysis of the impact of taxation on online retail and remote sales should be continued. Because this area of tax practice and law is relatively new and evolving rapidly, it is important to keep policymakers informed as they deliberate on appropriate responses to technological changes in retail and other economic activity. It is important that policy makers keep apprised of innovations associated with rapidly growing online consumer services, such as those associated with online travel companies. State and local governments and taxpayer organizations should consider engaging one or more of the numerous resources housed in Arizo William Seidman Research Institute, to continue this important analytical work. The current tax structure for contracting activity is not desirable for many reasons, both practical and from a policy perspective; therefore state and local governments should act aggressively to transition from the current practice to a tax on materials at the point of sale. One of the most significant complicating features of the Arizona tax code is that Arizona is one of only a few states that do not tax materials for construction as retail at the point of sale. Instead, Arizona taxes prime contracting activities. Cities and towns use a similar, but separate speculative builder tax. The complexities associated with this practice have resulted in controversy, litigation, legislation, and frustration far disproportionate to the revenues generated. The use of exemption certificates and other practices result in numerous opportunities for non-compliance. The non-compliance factor is estimated to upwards of 30%. 21 Study Session - March 13, 2013 - Page 32 of 125 Taxing materials will result in some level of tax relief for contractors who have been compliant. However, there will be significantly less opportunity for tax avoidance. It would remove the administration of a key component of our tax revenues those derived from contracting activity from the backs of these skilled trades, allowing them to focus on what they do best, without significantly increasing the burden on existing vendors who are already required to be licensed and to report regularly. One of the biggest complications in an effort to reform this area of the tax code stems from the fact that only 20% of prime contracting taxes go into the Distribution Base Pool to be shared with cities and counties. By contrast 40% of tax revenues from retail become part of the revenue sharing base. This means that cities and counties would benefit from getting more money distributed to them, at the cost of the state general fund. Revenue sharing formulas can be adjusted to address this. Other tax reform options may also help state and local governments deal with any potential fiscal impacts on recipients of shared revenue. For example, counties do not currently have a use tax. There is a consensus among Task Force members on the reasonableness of the ADOR analysis and assumptions on state general fund and high-level revenue-sharing impacts. However, data currently available to the Task Force is insufficient to provide estimates on the impact for a county-by-county impact on the revenue-sharing distribution. Cities, towns and counties are extremely concerned about the shifting of local sales tax revenues, particularly away from the smaller rural political subdivisions to the larger urban political subdivisions. They are also concerned that this change in taxation will result in significant reductions in total city, town and county revenues by shifting the taxable measure from 65% of gross receipts to an unknown percentage, lower than the 41% assumption made in the ADOR analysis. Given the significant changes that this action will certainly cause, the cities, towns and counties expressed strongly that an independent study of all impacts, practices in neighboring states, and a more refined projection of revenue shifts should be undertaken prior to moving in this direction. In addition to the potential impact related to the collection of local county excise taxes, the counties are concerned with the secondary impact this proposal may have on the statutory formula that is used to distribute state shared transaction privilege taxes to the counties. The Task Force recognizes that there are questions about potential budgetary consequences at the local level that will not have been answered within the timeframe of the Task Forces work. Cities and towns, counties and taxpayers should move expeditiously in providing the data necessary for continued analysis. The level of analysis and empirical assurances requested by cities, towns, and counties is a laudable goal. It is noteworthy, however, that similar levels of analysis and assurances on the impacts to taxpaying households and business are rarely, if ever, requested by governments before making reforms they see as beneficial to public funds. 22 Study Session - March 13, 2013 - Page 33 of 125 Notwithstanding the legitimate desire to have as much information as possible, a lack of perfect detail should not avert the state from aggressively pursuing the long overdue reform of this area of the tax code. 23 Study Session - March 13, 2013 - Page 34 of 125 ê÷ö÷ê÷îù÷èóèð÷ÈÊÛÎÉÛÙÈÓÍÎÌÊÓÆÓÐ×Õ×ÈÛÄÙÔÛÎÕ×É éÈÛÈ×ÍÖûÊÓÂÍÎÛ ôÍÇÉ×ÍÖê×ÌÊ×É×ÎÈÛÈÓÆ×É öÓÖÈÃÖÓÊÉÈð×ÕÓÉÐÛÈÇÊ× öÓÊÉÈê×ÕÇÐÛÊé×ÉÉÓÍÎ HB 2657 óÎÈÊÍØÇÙ×ØÚÃ ê×ÌÊ×É×ÎÈÛÈÓÆ×Éð×ÉÑÍúÍÃ×ÊùÛÊØ×ÎÛÉöÍÊ×É×õÛÐÐ×ÕÍõÍÅÛÎõÊÛÃ ñÅÛÉÏÛÎðÓÆÓÎÕÉÈÍÎï×ÉÎÛÊØïÓÈÙÔ×ÐÐïÍÎÈ×Î×ÕÊÍíÐÉÍÎíÊÊì×È×ÊÉ×Î ìÓ×ÊÙ×òéÏÓÈÔèÍÚÓÎèÍÅÎÉ×ÎØåÔ××Ð×Êé×ÎÛÈÍÊÉúÛÊÈÍúÓÕÕÉ ùÊÛÎØÛÐÐøÊÓÕÕÉöÛÊÐ×ÃïÙùÍÏÓÉÔïÇÊÌÔÃìÓ×ÊÙ×åÍÊÉÐ×ÃãÛÊÚÊÍÇÕÔ ã××ê×ÌÊ×É×ÎÈÛÈÓÆ×ÉûÐÐ×ÎúÛÊÈÍÎúÊÍÌÔÃïÙõ××ùÛÊÈ×ÊùÍÐ×ÏÛÎöÛÎÎ ðÍÆÛÉïÓÊÛÎØÛìÊÛÈÈéÔÍÌ×èÔÍÊÌ×é×ÎÛÈÍÊÉûÚÐ×É×ÊúÇÊÕ×ÉùÊÛÎØ×ÐÐ ï×ÂÛê×ÛÕÛÎéÔÍÍÈ×ÊåÛÊØ ûîûùè ûï÷îøóîõé÷ùèóíîé ûîø ûêóâíîûê÷æóé÷øéèûèçè÷éìêíæóøóîõöíêèô÷ø÷ðûã÷øê÷ì÷ûðíöé÷ùèóíî ûêóâíîûê÷æóé÷øéèûèçè÷éûï÷îøóîõé÷ùèóíîé ûîø ûêóâíîûê÷æóé÷øéèûèçè÷éûï÷îøóîõèóèð÷ ùôûìè÷êûêèóùð÷ûêóâíîûê÷æóé÷øéèûèçè÷éúãûøøóîõé÷ùèóíî ûï÷îøóîõé÷ùèóíîé ûîø ûêóâíîû ê÷æóé÷øéèûèçè÷éìêíæóøóîõöíêèô÷ø÷ðûã÷øê÷ì÷ûðíöé÷ùèóíî ûêóâíîûê÷æóé÷øéèûèçè÷éûï÷îøóîõé÷ùèóíîé ûîø ûêóâíîûê÷æóé÷øéèûèçè÷é ûï÷îøóîõèóèð÷ ùôûìè÷êûêèóùð÷ ûêóâíîûê÷æóé÷øéèûèçè÷éúãûøøóîõ é÷ùèóíî ûï÷îøóîõé÷ùèóíîé ûîø ûêóâíîûê÷æóé÷øéèûèçè÷éê÷ðûèóîõèíèêûîéûùèóíîìêóæóð÷õ÷ûîø ûööóðóûè÷ø÷äùóé÷èûä÷é è÷äèíöúóððú÷õóîéíîî÷äèìûõ÷ Ó Study Session - March 13, 2013 - Page 35 of 125 ôú ú×ÓÈ×ÎÛÙÈ×ØÚÃÈÔ×ð×ÕÓÉÐÛÈÇÊ×ÍÖÈÔ×éÈÛÈ×ÍÖûÊÓÂÍÎÛ é×ÙÈÓÍÎé×ÙÈÓÍÎ ê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÓÉÛÏ×ÎØ×ØÈÍ Ê×ÛØ éÌ×ÙÓÛÐÎÓÎ×ÈÃØÛÃÎÍÎÊ×ÉÓØ×ÎÈÊ×ÕÓÉÈÊÛÈÓÍÎ Ì×ÊÏÓÈÉÌÊÍÙ×ØÇÊ×É ûûØ×ÛÐ×ÊÍÊÛÎÛÇÈÔÍÊÓÂ×ØÈÔÓÊØÌÛÊÈÃÈÔÛÈÓÉÉÇ×ÉÛÉÌ×ÙÓÛÐÎÓÎ×ÈÃ ØÛÃÎÍÎÊ×ÉÓØ×ÎÈÊ×ÕÓÉÈÊÛÈÓÍÎÌ×ÊÏÓÈÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ ÉÔÛÐÐÉ×ÎØÛÎ ×Ð×ÙÈÊÍÎÓÙÊ×ÙÍÊØÍÖÈÔ×Ì×ÊÏÓÈÈÍÈÔ×Ø×ÌÛÊÈÏ×ÎÈÈÔÊÍÇÕÔÛÎÛÇÈÔÍÊÓÂ×ØÈÔÓÊØ ÌÛÊÈÃÍÊÈÔÊÍÇÕÔÈÔ×Ø×ÌÛÊÈÏ×ÎÈÉÛÇÈÔÍÊÓÂ×ØÈÔÓÊØÌÛÊÈÃ×Ð×ÙÈÊÍÎÓÙÉ×ÊÆÓÙ× ÌÊÍÆÓØ×Ê úèÔ×Ø×ÌÛÊÈÏ×ÎÈÛÎÛÇÈÔÍÊÓÂ×ØÈÔÓÊØÌÛÊÈÃÍÊÛØ×ÛÐ×ÊÉÔÛÐÐÎÍÈ óÉÉÇ×ÛÉÉÓÕÎÍÊØ×ÐÓÆ×ÊÛÉÌ×ÙÓÛÐÎÓÎ×ÈÃØÛÃÎÍÎÊ×ÉÓØ×ÎÈ Ê×ÕÓÉÈÊÛÈÓÍÎÌ×ÊÏÓÈÈÍÛÎÃÌ×ÊÉÍÎÇÎÐ×ÉÉÈÔ×Ì×ÊÉÍÎØÍ×ÉÛÐÐÍÖÈÔ× ÖÍÐÐÍÅÓÎÕ ÛíÚÈÛÓÎÉÈÔ×ÉÌ×ÙÓÛÐÎÓÎ×ÈÃØÛÃÎÍÎÊ×ÉÓØ×ÎÈÊ×ÕÓÉÈÊÛÈÓÍÎÌ×ÊÏÓÈ ÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ ÚùÍÏÌÐ×È×ÉÛÎÛÖÖÓØÛÆÓÈÓÎÛÖÍÊÏÌÊ×ÉÙÊÓÚ×ØÚÃÈÔ×ØÓÊ×ÙÈÍÊ ÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ ÍÊÙÍÏÌÐ×È×ÉÛÖÍÊÏÌÊ×ÉÙÊÓÚ×ØÚÃÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎô ÙìÊ×É×ÎÈÉÈÍÈÔ×Ø×ÌÛÊÈÏ×ÎÈÛÇÈÔÍÊÓÂ×ØÈÔÓÊØÌÛÊÈÃÍÊÏÍÈÍÊ Æ×ÔÓÙÐ×Ø×ÛÐ×ÊÛÙÇÊÊ×ÎÈÆÛÐÓØØÊÓÆ×ÊÐÓÙ×ÎÉ×ÓÉÉÇ×ØÚÃÛÎÍÈÔ×ÊÉÈÛÈ× ÓÎØÓÙÛÈÓÎÕÛÎÛØØÊ×ÉÉÍÇÈÉÓØ×ÍÖÈÔÓÉÉÈÛÈ× ØìÊÍÆÓØ×ÉÛÎÃÍÈÔ×ÊÓÎÖÍÊÏÛÈÓÍÎÊ×ÛÉÍÎÛÚÐÃÛÎØÇÎÓÖÍÊÏÐÃÊ×ËÇÓÊ×Ø ÚÃÈÔ×Ø×ÌÛÊÈÏ×ÎÈÍÖÈÊÛÎÉÌÍÊÈÛÈÓÍÎÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ ÍÊÈÔ× Ø×ÌÛÊÈÏ×ÎÈÍÖÊ×Æ×ÎÇ×ÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎô óÉÉÇ×ÛÎØÛÖÖÓÄÛÉÌÊ×ÉÙÊÓÚ×ØÓÎÉÇÚÉ×ÙÈÓÍÎùÍÖÈÔÓÉÉ×ÙÈÓÍÎÛ ÉÌ×ÙÓÛÐÎÓÎ×ÈÃØÛÃÎÍÎÊ×ÉÓØ×ÎÈÊ×ÕÓÉÈÊÛÈÓÍÎÌ×ÊÏÓÈÇÎÐ×ÉÉÈÔ×Ì×ÊÏÓÈÓÉ Ê×ÙÍÊØ×ØÓÎÈÔ××Ð×ÙÈÊÍÎÓÙÊ×ÙÍÊØÉÍÖÈÔ×Ø×ÌÛÊÈÏ×ÎÈ ùûÌ×ÊÉÍÎÅÔÍÓÉÉÇ×ÉÛÉÌ×ÙÓÛÐÎÓÎ×ÈÃØÛÃÎÍÎÊ×ÉÓØ×ÎÈÊ×ÕÓÉÈÊÛÈÓÍÎ Ì×ÊÏÓÈÉÔÛÐÐÛÖÖÓÄÍÊÓÎÉ×ÊÈÙÐ×ÛÊÐÃÛÎØÓÎØ×ÐÓÚÐÃÍÎÈÔ×ÖÛÙ×ÍÖ×ÛÙÔ Ì×ÊÏÓÈÈÔ×ØÛÈ×ÉÍÖÓÉÉÇÛÎÙ×ÛÎØ×ÄÌÓÊÛÈÓÍÎÛÎØÈÔ×ÏÛÑ×ÛÎØÆ×ÔÓÙÐ× ÓØ×ÎÈÓÖÓÙÛÈÓÍÎÎÇÏÚ×ÊÍÖÈÔ×Æ×ÔÓÙÐ×èÔ×ÉÌ×ÙÓÛÐÎÓÎ×ÈÃØÛÃÎÍÎÊ×ÉÓØ×ÎÈ Ê×ÕÓÉÈÊÛÈÓÍÎÌ×ÊÏÓÈÉÔÛÐÐÎÍÈÚ×ÛÊÈÔ×ÎÛÏ×ÍÊÛØØÊ×ÉÉÍÖÈÔ×Ì×ÊÉÍÎÅÔÍ ÌÇÊÙÔÛÉ×ØÈÔ×Æ×ÔÓÙÐ×ÓÎÛÌÍÉÓÈÓÍÎÈÔÛÈÓÉÐ×ÕÓÚÐ×ÖÊÍÏÍÇÈÉÓØ×ÍÖÈÔ× Æ×ÔÓÙÐ× øûØ×ÛÐ×ÊÍÊÛÇÈÔÍÊÓÂ×ØÈÔÓÊØÌÛÊÈÃÅÔÍÓÉÉÇ×ÉÛÉÌ×ÙÓÛÐÎÓÎ×ÈÃØÛÃ ÎÍÎÊ×ÉÓØ×ÎÈÊ×ÕÓÉÈÊÛÈÓÍÎÌ×ÊÏÓÈÉÔÛÐÐÏÛÓÎÈÛÓÎÛÊ×ÙÍÊØÓÎÛÖÍÊÏÌÊ×ÉÙÊÓÚ×Ø ÚÃÈÔ×ØÓÊ×ÙÈÍÊÍÖÛÐÐÉÌ×ÙÓÛÐÎÓÎ×ÈÃØÛÃÎÍÎÊ×ÉÓØ×ÎÈÊ×ÕÓÉÈÊÛÈÓÍÎÌ×ÊÏÓÈÉ ÓÉÉÇ×ØÚÃÈÔ×Ø×ÛÐ×ÊÍÊÛÇÈÔÍÊÓÂ×ØÈÔÓÊØÌÛÊÈÃÛÎØÛÊ×ÙÍÊØÍÖÍÈÔ×Ê ÓÎÖÍÊÏÛÈÓÍÎÌ×ÊÈÛÓÎÓÎÕÈÍÈÔ×ÓÉÉÇÛÎÙ×ÍÖÉÌ×ÙÓÛÐÎÓÎ×ÈÃØÛÃÎÍÎÊ×ÉÓØ×ÎÈ Ê×ÕÓÉÈÊÛÈÓÍÎÌ×ÊÏÓÈÉÈÔÛÈÈÔ×Ø×ÌÛÊÈÏ×ÎÈÍÖÈÊÛÎÉÌÍÊÈÛÈÓÍÎÍÊÈÔ×Ø×ÌÛÊÈÏ×ÎÈ ÍÖÊ×Æ×ÎÇ×Ê×ËÇÓÊ×É ÷èÔ×Ø×ÛÐ×ÊÍÊÛÇÈÔÍÊÓÂ×ØÈÔÓÊØÌÛÊÈÃÉÔÛÐÐÑ××Ì×ÛÙÔÊ×ÙÍÊØÖÍÊÛÈ Ð×ÛÉÈÈÔÊ××Ã×ÛÊÉÛÖÈ×ÊÈÔ×ØÛÈ×ÍÖ×ÎÈÊÃÍÖÈÔ×Ê×ÙÍÊØ Study Session - March 13, 2013 - Page 36 of 125 ôú öûØ×ÛÐ×ÊÍÊÛÇÈÔÍÊÓÂ×ØÈÔÓÊØÌÛÊÈÃÉÔÛÐÐÛÐÐÍÅÈÔ×ØÓÊ×ÙÈÍÊÍÖÈÔ× Ø×ÌÛÊÈÏ×ÎÈÍÖÈÊÛÎÉÌÍÊÈÛÈÓÍÎÍÊÈÔ×ØÓÊ×ÙÈÍÊÍÖÈÔ×Ø×ÌÛÊÈÏ×ÎÈÍÖÊ×Æ×ÎÇ× ÖÇÐÐÛÎØÖÊ××ÛÙÙ×ÉÉÈÍÈÔ×Ê×ÙÍÊØÉØÇÊÓÎÕÊ×ÕÇÐÛÊÚÇÉÓÎ×ÉÉÔÍÇÊÉ õèÔ××Ð×ÙÈÊÍÎÓÙÊ×ÙÍÊØÓÉÅÊÓÈÈ×ÎÎÍÈÓÙ×ÍÖÈÔ×Ê×ÏÍÆÛÐÍÖÈÔ× Æ×ÔÓÙÐ×ÖÊÍÏÈÔÓÉÉÈÛÈ×ÖÍÊÇÉ×ÓÎÈÔ×ÌÇÊÙÔÛÉ×ÊÉÉÈÛÈ×ÍÖÊ×ÉÓØ×ÎÙ×ÛÎØ Ê×ÐÓ×Æ×ÉÈÔ×Ø×ÛÐ×ÊÍÊÛÇÈÔÍÊÓÂ×ØÈÔÓÊØÌÛÊÈÃÍÖÐÓÛÚÓÐÓÈÃÓÎÛÙÙÍÊØÛÎÙ×ÅÓÈÔ ÈÔ×Ê×ËÇÓÊ×Ï×ÎÈÉÍÖÉ×ÙÈÓÍÎ ôóÖÛÌÇÊÙÔÛÉ×ÊÊ×ÕÓÉÈ×ÊÉÈÔ×Æ×ÔÓÙÐ×ÓÎÈÔÓÉÉÈÛÈ×ÅÓÈÔÓÎÈÔÊ×× ÔÇÎØÊ×ØÉÓÄÈÃÖÓÆ×ØÛÃÉÛÖÈ×ÊÈÔ×ÓÉÉÇÛÎÙ×ÍÖÈÔ×ÉÌ×ÙÓÛÐÎÓÎ×ÈÃØÛÃ ÎÍÎÊ×ÉÓØ×ÎÈÊ×ÕÓÉÈÊÛÈÓÍÎÌ×ÊÏÓÈÈÔ×ÌÇÊÙÔÛÉ×ÊÓÉÐÓÛÚÐ×ÓÎÛÎÛÏÍÇÎÈ×ËÇÛÐ ÈÍÛÎÃÈÛÄÌ×ÎÛÐÈÃÛÎØÓÎÈ×Ê×ÉÈÈÔÛÈÈÔ×ÏÍÈÍÊÆ×ÔÓÙÐ×Ø×ÛÐ×ÊÍÊÛÇÈÔÍÊÓÂ×Ø ÈÔÓÊØÌÛÊÈÃÅÍÇÐØÔÛÆ×Ú××ÎÊ×ËÇÓÊ×ØÈÍÌÛÃÇÎØ×ÊÈÓÈÐ× ÙÔÛÌÈ×ÊÛÎØ ÇÎØ×ÊÛÊÈÓÙÐ×ÉóæÛÎØæóÍÖÈÔ×ÏÍØ×ÐÙÓÈÃÈÛÄÙÍØ×ÛÉØ×ÖÓÎ×ØÓÎ É×ÙÈÓÍÎ ûÈÈÔ×ÈÓÏ×ÍÖÓÉÉÇÓÎÕÈÔ×ÉÌ×ÙÓÛÐÎÓÎ×ÈÃØÛÃÎÍÎÊ×ÉÓØ×ÎÈ Ê×ÕÓÉÈÊÛÈÓÍÎÌ×ÊÏÓÈÛÏÍÈÍÊÆ×ÔÓÙÐ×Ø×ÛÐ×ÊÍÊÛÇÈÔÍÊÓÂ×ØÈÔÓÊØÌÛÊÈÃÉÔÛÐÐ ÓÎÖÍÊÏÈÔ×ÌÇÊÙÔÛÉ×ÊÓÎÅÊÓÈÓÎÕÍÖÈÔ×ÌÇÊÙÔÛÉ×ÊÉÐÓÛÚÓÐÓÈÃØ×ÉÙÊÓÚ×ØÓÎ ÈÔÓÉÉ×ÙÈÓÍÎéÇÚÉ×ËÇ×ÎÈÊ×ÕÓÉÈÊÛÈÓÍÎÍÊÇÉ×ÍÖÈÔ×Æ×ÔÓÙÐ×ÓÎÈÔÓÉÉÈÛÈ× ØÍ×ÉÎÍÈÙÊ×ÛÈ×ÛÙÛÇÉ×ÍÖÛÙÈÓÍÎÛÕÛÓÎÉÈÛØ×ÛÐ×ÊÍÊÛÇÈÔÍÊÓÂ×ØÈÔÓÊØÌÛÊÈÃ ÈÔÛÈÙÍÏÌÐÓ×ÉÅÓÈÔÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎûÈÔÓÉÉ×ÙÈÓÍÎÛÎØÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎô óèÔ×Ø×ÌÛÊÈÏ×ÎÈÍÖÈÊÛÎÉÌÍÊÈÛÈÓÍÎÛÎØÈÔ×Ø×ÌÛÊÈÏ×ÎÈÍÖÊ×Æ×ÎÇ× ÉÔÛÐÐÒÍÓÎÈÐÃØ×Æ×ÐÍÌÛÎØÌÊ×ÉÙÊÓÚ×ÖÍÊÏÉÖÍÊÈÔ×ÏÍÈÍÊÆ×ÔÓÙÐ×Ø×ÛÐ×ÊÈÔ× ÛÇÈÔÍÊÓÂ×ØÈÔÓÊØÌÛÊÈÃÛÎØÈÔ×ÌÇÊÙÔÛÉ×ÊÈÍÙÍÏÌÐ×È×ÖÍÊÈÔ×ÌÊÍÌ×Ê ÛØÏÓÎÓÉÈÊÛÈÓÍÎÛÎØ×ÎÖÍÊÙ×Ï×ÎÈÍÖÈÔÓÉÉ×ÙÈÓÍÎ òùÍÏÌÐÓÛÎÙ×ÅÓÈÔÈÔÓÉÉ×ÙÈÓÍÎÛÎØÉ×ÙÈÓÍÎ ÛÐÐÍÅÉØ×ÐÓÆ×ÊÃÍÖ ÈÔ×Æ×ÔÓÙÐ×ÈÍÛÎÍÎÊ×ÉÓØ×ÎÈÌÇÊÙÔÛÉ×ÊÓÎÈÔÓÉÉÈÛÈ×ÛÎØÊ×ÈÛÓÎÉÈÔ× ÛÌÌÐÓÙÛÚÐ×Ø×ØÇÙÈÓÍÎÉÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ ÉÇÚØÓÆÓÉÓÍÎÛÛÎØÉÇÚÉ×ÙÈÓÍÎç é×Ù ÙÈÓÍÎûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÓÉÛÏ×ÎØ×ØÈÍÊ×ÛØ ô×ÛÐÈÔÃÖÍÊ×ÉÈ×ÎÈ×ÊÌÊÓÉ×ÓÎÙ×ÎÈÓÆ×ÉØ×ÖÓÎÓÈÓÍÎÉ ûèÔ×ûÊÓÂÍÎÛÙÍÏÏ×ÊÙ×ÛÇÈÔÍÊÓÈÃÉÔÛÐÐ óÏÌÐ×Ï×ÎÈÛÌÊÍÕÊÛÏÈÍ×ÎÙÍÇÊÛÕ×ÙÍÇÎÈÓ×ÉÙÓÈÓ×ÉÛÎØÈÍÅÎÉÈÍ ÌÊÍÆÓØ×ÐÍÙÛÐÓÎÙ×ÎÈÓÆ×ÉÈÍ×ÙÍÎÍÏÓÙ×ÎÈ×ÊÌÊÓÉ×ÉÈÔÛÈÌÊÍÏÍÈ×ÖÍÊ×ÉÈÔ×ÛÐÈÔ ÓÎÈÔÓÉÉÈÛÈ× óØ×ÎÈÓÖÃÛÎØÙ×ÊÈÓÖÃÈÍÈÔ×Ø×ÌÛÊÈÏ×ÎÈÍÖÊ×Æ×ÎÇ×ÈÔ×ÎÛÏ×ÉÍÖÛÎØ Ê×Ð×ÆÛÎÈÓÎÖÍÊÏÛÈÓÍÎÊ×ÐÛÈÓÎÕÈÍËÇÛÐÓÖÓ×ØÚÇÉÓÎ×ÉÉ×ÉÖÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖ ÛÆÛÓÐÛÚÐ×ÉÈÛÈ×ÈÛÄÓÎÙ×ÎÈÓÆ×ÉÖÍÊ×ÙÍÎÍÏÓÙ×ÎÈ×ÊÌÊÓÉ×ÉÈÔÛÈÌÊÍÏÍÈ×ÖÍÊ×ÉÈ Ô×ÛÐÈÔÓÎÈÔÓÉÉÈÛÈ× úèÍËÇÛÐÓÖÃÖÍÊÉÈÛÈ×ÈÛÄÓÎÙ×ÎÈÓÆ×ÉÌÇÊÉÇÛÎÈÈÍÈÔÓÉÉ×ÙÈÓÍÎÛ ÚÇÉÓÎ×ÉÉ ïÇÉÈÚ×ÌÊÓÏÛÊÓÐÃ×ÎÕÛÕ×ØÓÎÛËÇÛÐÓÖÃÓÎÕÌÊÍÒ×ÙÈèÔ×ÚÇÉÓÎ×ÉÉ ÉÔÛÐÐÉÇÚÏÓÈÈÍÈÔ×ÛÇÈÔÍÊÓÈÃ×ÆÓØ×ÎÙ×ÈÔÛÈÓÈÓÉ×ÎÕÛÕ×ØÓÎÛËÇÛÐÓÖÃÓÎÕ ÌÊÍÒ×ÙÈÛÉÖÍÐÐÍÅÉ ÛèÔ×ÚÇÉÓÎ×ÉÉÍÌ×ÊÛÈÓÍÎÏÇÉÈ×ÎÔÛÎÙ×ÍÊÉÇÉÈÛÓÎÖÍÊ×ÉÈÔ×ÛÐÈÔ ÉÇÉÈÛÓÎÍÊÊ×ÙÍÆ×ÊÅÛÈ×ÊÉÔ×ØÍÊÓÏÌÊÍÆ×ÌÇÚÐÓÙÉÛÖ×ÈÃ Study Session - March 13, 2013 - Page 37 of 125 ôú ÚóÖÈÔ×ËÇÛÐÓÖÃÓÎÕÖÍÊ×ÉÈÌÊÍØÇÙÈÓÉÍÎÖ×Ø×ÊÛÐÐÛÎØÈÔ×ÚÇÉÓÎ×ÉÉ ÉÔÛÐÐÉÇÚÏÓÈÛÐ×ÈÈ×ÊÖÊÍÏÈÔ×Ö×Ø×ÊÛÐÛÕ×ÎÙÃÛØÏÓÎÓÉÈ×ÊÓÎÕÈÔ×ÐÛÎØÍÊ ÍÖÖÓÙÓÛÐÊ×ÙÍÊØÉÍÊØÍÙÇÏ×ÎÈÉÌÊÍØÇÙ×ØÓÎÙÍÎÎ×ÙÈÓÍÎÅÓÈÔÈÔ×ÌÊÍÒ×ÙÈ ÉÈÛÈÓÎÕÈÔÛÈÈÔ×ÚÇÉÓÎ×ÉÉÓÉÌÊÓÏÛÊÓÐÃ×ÎÕÛÕ×ØÓÎÈÔ×ÚÇÉÓÎ×ÉÉÍÖÔÛÊÆ×ÉÈÓÎÕ ÍÊÌÊÍÙ×ÉÉÓÎÕËÇÛÐÓÖÃÓÎÕÖÍÊ×ÉÈÌÊÍØÇÙÈÉÖÍÊÙÍÏÏ×ÊÙÓÛÐÇÉ×ÛÉÖÍÐÐÍÅÉ ÓûÈÐ×ÛÉÈÉ×Æ×ÎÈÃÌ×ÊÙ×ÎÈÍÖÈÔ×ÔÛÊÆ×ÉÈ×ØÍÊÌÊÍÙ×ÉÉ×ØÌÊÍØÇÙÈÉ Ï×ÛÉÇÊ×ØÚÃÅ×ÓÕÔÈÏÇÉÈÚ×ËÇÛÐÓÖÃÓÎÕÖÍÊ×ÉÈÌÊÍØÇÙÈÉ ÓÓûÈÐ×ÛÉÈÉ×Æ×ÎÈÃÖÓÆ×Ì×ÊÙ×ÎÈÍÖÈÔ×ËÇÛÐÓÖÃÓÎÕÖÍÊ×ÉÈÌÊÍØÇÙÈÉ Ï×ÛÉÇÊ×ØÚÃÅ×ÓÕÔÈÏÇÉÈÚ×ÔÛÊÆ×ÉÈ×ØÖÊÍÏÉÍÇÊÙ×ÉÓÎÈÔÓÉÉÈÛÈ× ÙóÖÈÔ×ËÇÛÐÓÖÃÓÎÕÖÍÊ×ÉÈÌÊÍØÇÙÈÓÉÎÍÈÍÎÖ×Ø×ÊÛÐÐÛÎØÈÔ× ÚÇÉÓÎ×ÉÉÉÔÛÐÐÉÇÚÏÓÈÛÐ×ÈÈ×ÊÖÊÍÏÈÔ×ÉÈÛÈ×ÖÍÊ×ÉÈ×ÊÉÈÛÈÓÎÕÈÔÛÈÈÔ× ÚÇÉÓÎ×ÉÉÓÉÌÊÓÏÛÊÓÐÃ×ÎÕÛÕ×ØÓÎÈÔ×ÚÇÉÓÎ×ÉÉÍÖÔÛÊÆ×ÉÈÓÎÕÍÊÌÊÍÙ×ÉÉÓÎÕ ËÇÛÐÓÖÃÓÎÕÖÍÊ×ÉÈÌÊÍØÇÙÈÉÖÍÊÙÍÏÏ×ÊÙÓÛÐÇÉ×ÛÉÖÍÐÐÍÅÉ ÓûÈÐ×ÛÉÈÉ×Æ×ÎÈÃÌ×ÊÙ×ÎÈÍÖÈÔ×ÔÛÊÆ×ÉÈ×ØÍÊÌÊÍÙ×ÉÉ×ØÌÊÍØÇÙÈÉ ÏÇÉÈÚ×ËÇÛÐÓÖÃÓÎÕÖÍÊ×ÉÈÌÊÍØÇÙÈÉ ÓÓûÈÐ×ÛÉÈÉ×Æ×ÎÈÃÖÓÆ×Ì×ÊÙ×ÎÈÍÖÈÔ×ÔÛÊÆ×ÉÈ×ØÍÊÌÊÍÙ×ÉÉ×Ø ÌÊÍØÇÙÈÉÏÇÉÈÚ×ÖÊÍÏÛÊ×ÛÉÓÎÈÔÓÉÉÈÛÈ× ØóÖÈÔ×ÚÇÉÓÎ×ÉÉÓÉ×ÎÕÛÕ×ØÓÎÈÊÛÎÉÌÍÊÈÓÎÕËÇÛÐÓÖÃÓÎÕÖÍÊ×ÉÈ ÌÊÍØÇÙÈÉÓÈÏÇÉÈÉÇÚÏÓÈÛÐ×ÈÈ×ÊÖÊÍÏÈÔ×ÉÈÛÈ×ÖÍÊ×ÉÈ×ÊÍÊçÎÓÈ×ØéÈÛÈ×É ÖÍÊ×ÉÈÉ×ÊÆÓÙ×ÍÊÍÖÖÓÙÓÛÐÊ×ÙÍÊØÉÍÊØÍÙÇÏ×ÎÈÉÌÊÍØÇÙ×ØÓÎÙÍÎÎ×ÙÈÓÍÎÅÓÈÔ ÈÔ×ÌÊÍÒ×ÙÈÉÈÛÈÓÎÕÈÔÛÈÛÐÐÍÖÈÔ×ËÇÛÐÓÖÃÓÎÕÖÍÊ×ÉÈÌÊÍØÇÙÈÉÓÈÈÊÛÎÉÌÍÊÈÉ ÛÊ×ÔÛÊÆ×ÉÈ×ØÖÊÍÏÛÊ×ÛÉÓÎÈÔÓÉÉÈÛÈ×óÎÛØØÓÈÓÍÎÈÔ×ÚÇÉÓÎ×ÉÉÏÇÉÈ ÉÇÚÏÓÈ×ÆÓØ×ÎÙ×ÈÍÈÔ×ÛÇÈÔÍÊÓÈÃÈÔÛÈÛÈÐ×ÛÉÈÉ×Æ×ÎÈÃÖÓÆ×Ì×ÊÙ×ÎÈÍÖÈÔ× ÏÓÐ×ÛÕ×ÈÊÛÆ×Ð×ØÚÃÓÈÉÇÎÓÈÉ×ÛÙÔÃ×ÛÊÛÊ×ÖÍÊÈÊÛÎÉÌÍÊÈÓÎÕËÇÛÐÓÖÃÓÎÕ ÖÍÊ×ÉÈÌÊÍØÇÙÈÉÖÊÍÏÍÊÈÍËÇÛÐÓÖÃÓÎÕÌÊÍÒ×ÙÈÉØ×ÉÙÊÓÚ×ØÓÎÉÇÚØÓÆÓÉÓÍÎÚ ÍÊÙÍÖÈÔÓÉÌÛÊÛÕÊÛÌÔÇÎÐ×ÉÉÛÐÍÅ×ÊÏÓÐ×ÛÕ×ÓÉØÇ×ÈÍÖÍÊ×ÉÈÙÐÍÉÇÊ×ÉÍÊ Å×ÛÈÔ×ÊÙÍÎØÓÈÓÍÎÉÈÔÛÈÛÊ×Ú×ÃÍÎØÈÔ×ÙÍÎÈÊÍÐÍÖÈÔ×ÚÇÉÓÎ×ÉÉ ïÇÉÈ×ÏÌÐÍÃÛÈÐ×ÛÉÈÍÎ×Ì×ÊÏÛÎ×ÎÈÖÇÐÐÈÓÏ××ÏÌÐÍÃ×× ïÇÉÈÛÕÊ××ÈÍÖÇÊÎÓÉÔÈÍÈÔ×ÛÇÈÔÍÊÓÈÃÓÎÖÍÊÏÛÈÓÍÎÊ×ÐÛÈÓÎÕÈÍÈÔ× ÛÏÍÇÎÈÍÖÉÈÛÈ×ÈÛÄÚ×Î×ÖÓÈÉÈÔÛÈÈÔ×ÚÇÉÓÎ×ÉÉÊ×Ù×ÓÆ×É×ÛÙÔÃ×ÛÊ ïÇÉÈ×ÎÈ×ÊÓÎÈÍÛÏ×ÏÍÊÛÎØÇÏÍÖÇÎØ×ÊÉÈÛÎØÓÎÕÅÓÈÔÈÔ×ÛÇÈÔÍÊÓÈÃ ÙÍÎÈÛÓÎÓÎÕ Û÷ÏÌÐÍÃÏ×ÎÈÕÍÛÐÉ÷ÛÙÔÃ×ÛÊÈÔ×ÚÇÉÓÎ×ÉÉÏÇÉÈÊ×ÌÍÊÈÓÎÅÊÓÈÓÎÕ ÈÍÈÔ×ÛÇÈÔÍÊÓÈÃÓÈÉÌ×ÊÖÍÊÏÛÎÙ×ÓÎÛÙÔÓ×ÆÓÎÕÈÔ×ÕÍÛÐÉ ÚûÙÍÏÏÓÈÏ×ÎÈÈÍÙÍÎÈÓÎÇ×ÓÎÚÇÉÓÎ×ÉÉÛÎØÇÉ×ÈÔ×ËÇÛÐÓÖÃÓÎÕ ×ËÇÓÌÏ×ÎÈÌÊÓÏÛÊÓÐÃÍÎËÇÛÐÓÖÃÓÎÕÌÊÍÒ×ÙÈÉÓÎÈÔÓÉÉÈÛÈ×ÛÉØ×ÉÙÊÓÚ×ØÓÎ ÌÛÊÛÕÊÛÌÔÍÖÈÔÓÉÉÇÚÉ×ÙÈÓÍÎÍÈÔ×ÊÈÔÛÎÖÍÊÊ×ÛÉÍÎÉÚ×ÃÍÎØÈÔ×ÙÍÎÈÊÍÐÍÖ ÈÔ×ÚÇÉÓÎ×ÉÉèÔ×ÛÇÈÔÍÊÓÈÃÉÔÛÐÐÙÍÎÉÇÐÈÅÓÈÔÈÔ×Ø×ÌÛÊÈÏ×ÎÈÍÖÊ×Æ×ÎÇ×ÓÎ Ø×ÉÓÕÎÓÎÕÈÔ×Ï×ÏÍÊÛÎØÇÏÍÖÇÎØ×ÊÉÈÛÎØÓÎÕÈÍÓÎÙÍÊÌÍÊÛÈ×ÈÔ×Ð×ÕÛÐ ËÇÛÐÓÖÓÙÛÈÓÍÎÉÖÍÊÈÔ×ÛÆÛÓÐÛÚÐ×ÈÛÄÓÎÙ×ÎÈÓÆ×ÉÛÎØÉÔÛÐÐÓÎÙÐÇØ×ÈÔ× Ê×ËÇÓÊ×Ï×ÎÈÈÔÛÈÛÎÃËÇÛÐÓÖÃÓÎÕ×ËÇÓÌÏ×ÎÈÈÔÛÈÓÉÌÇÊÙÔÛÉ×ØÍÊÐ×ÛÉ×ØÖÊ××ÍÖ ÈÊÛÎÉÛÙÈÓÍÎÌÊÓÆÓÐ×Õ×ÍÊÇÉ×ÈÛÄÏÇÉÈÙÍÎÈÓÎÇ×ÈÍÚ×ÇÉ×ØÓÎÈÔÓÉÉÈÛÈ×ÖÍÊ ÈÔ×È×ÊÏÍÖÈÔ×Ï×ÏÍÊÛÎØÇÏÍÖÇÎØ×ÊÉÈÛÎØÓÎÕÍÊÈÔ×ØÇÊÛÈÓÍÎÍÖÓÈÉ ÍÌ×ÊÛÈÓÍÎÛÐÐÓÖ×ÅÔÓÙÔ×Æ×ÊÓÉÉÔÍÊÈ×Ê Study Session - March 13, 2013 - Page 38 of 125 ôú ÙìÊÍÆÓÉÓÍÎÉÙÍÎÉÓØ×Ê×ØÎ×Ù×ÉÉÛÊÃÚÃÈÔ×ÛÇÈÔÍÊÓÈÃÈÍ×ÎÉÇÊ×ÈÔ× ÙÍÏÌ×È×ÎÙÃÛÎØÊ×ÉÌÍÎÉÓÚÓÐÓÈÃÍÖÚÇÉÓÎ×ÉÉ×ÉÈÔÛÈËÇÛÐÓÖÃÇÎØ×ÊÈÔÓÉÉ×ÙÈÓÍÎ ÓÎÙÐÇØÓÎÕÊ×ÕÓÉÈÊÛÈÓÍÎÍÊÍÈÔ×ÊÛÙÙÊ×ØÓÈÛÈÓÍÎÅÓÈÔÈÊÛØ×ÛÎØÌÊÍÖ×ÉÉÓÍÎÛÐ ÍÊÕÛÎÓÂÛÈÓÍÎÉÛÎØÙÍÏÌÐÓÛÎÙ×ÅÓÈÔÚ×ÉÈÏÛÎÛÕ×Ï×ÎÈÛÎØÍÌ×ÊÛÈÓÍÎÛÐÌÊÛÙÈÓÙ×É ÇÉ×ØÚÃÕÍÆ×ÊÎÏ×ÎÈÛÐÛÕ×ÎÙÓ×ÉÓÎÛÅÛÊØÓÎÕÖÍÊ×ÉÈÊÃÙÍÎÈÊÛÙÈÉ ØèÔ×ÛÇÈÔÍÊÓÂÛÈÓÍÎÖÍÊÈÔ×ÛÇÈÔÍÊÓÈÃÈÍÈ×ÊÏÓÎÛÈ×ÛØÒÇÉÈÍÊ Ê×ÙÛÌÈÇÊ×ÛÐÐÍÊÌÛÊÈÍÖÈÔ×ÈÛÄÚ×Î×ÖÓÈÉÌÊÍÆÓØ×ØÈÍÈÔ×ÚÇÉÓÎ×ÉÉÍÎ ÎÍÎÙÍÏÌÐÓÛÎÙ×ÅÓÈÔÈÔ×ÐÛÅÎÍÎÙÍÏÌÐÓÛÎÙ×ÅÓÈÔÈÔ×È×ÊÏÉÍÖÈÔ×Ï×ÏÍÊÛÎØÇÏÍÊ ÆÓÍÐÛÈÓÍÎÍÖÈÔ×È×ÊÏÉÍÖÛÎÃÙÍÎÈÊÛÙÈÉÅÓÈÔÈÔ×Ö×Ø×ÊÛÐÍÊÉÈÛÈ×ÕÍÆ×ÊÎÏ×ÎÈ Ê×ÐÛÈÓÎÕÈÍÈÔ×ËÇÛÐÓÖÃÓÎÕÌÊÍÒ×ÙÈèÔ×ÛÇÈÔÍÊÓÈÃÉÔÛÐÐÎÍÈÓÖÃÈÔ× Ø×ÌÛÊÈÏ×ÎÈÍÖÊ×Æ×ÎÇ×ÍÖÈÔ×ÙÍÎØÓÈÓÍÎÉÍÖÎÍÎÙÍÏÌÐÓÛÎÙ×èÔ×Ø×ÌÛÊÈÏ×ÎÈÍÖ Ê×Æ×ÎÇ×ÏÛÃÛÐÉÍÈ×ÊÏÓÎÛÈ×ÈÔ×Ù×ÊÈÓÖÓÙÛÈÓÍÎÓÖÓÈÍÚÈÛÓÎÉÓÎÖÍÊÏÛÈÓÍÎ ÓÎØÓÙÛÈÓÎÕÛÖÛÓÐÇÊ×ÈÍËÇÛÐÓÖÃÛÎØÙÍÏÌÐÃèÔ×Ø×ÌÛÊÈÏ×ÎÈÍÖÊ×Æ×ÎÇ×ÏÛÃ Ê×ËÇÓÊ×ÈÔ×ÚÇÉÓÎ×ÉÉÈÍÖÓÐ×ÛÌÌÊÍÌÊÓÛÈ×ÛÏ×ÎØ×ØÈÛÄÊ×ÈÇÊÎÉÍÊÈÍÖÓÐ× ÛÌÌÊÍÌÊÓÛÈ×ÇÉ×ÈÛÄÊ×ÈÇÊÎÉÊ×ÖÐ×ÙÈÓÎÕÈÔ×Ê×ÙÛÌÈÇÊ×ÍÖÈÔ×ØÓÊ×ÙÈÍÊ ÓÎØÓÊ×ÙÈÈÛÄÚ×Î×ÖÓÈÉ ïÇÉÈÉÇÚÏÓÈÛÙÍÌÃÍÖÈÔ×Ù×ÊÈÓÖÓÙÛÈÓÍÎÈÍÈÔ×Ø×ÌÛÊÈÏ×ÎÈÍÖ Ê×Æ×ÎÇ×ÖÍÊÛÌÌÊÍÆÛÐÚ×ÖÍÊ×ÇÉÓÎÕÈÔ×Ù×ÊÈÓÖÓÙÛÈÓÍÎÖÍÊÌÇÊÌÍÉ×ÉÍÖÛÎÃÈÛÄ ÓÎÙ×ÎÈÓÆ×èÔ×Ø×ÌÛÊÈÏ×ÎÈÍÖÊ×Æ×ÎÇ×ÉÔÛÐÐÊ×ÆÓ×ÅÛÎØÛÌÌÊÍÆ×ÈÔ× Ù×ÊÈÓÖÓÙÛÈÓÍÎÓÎÛÈÓÏ×ÐÃÏÛÎÎ×ÊÓÖÈÔ×ÚÇÉÓÎ×ÉÉÓÉÓÎÕÍÍØÉÈÛÎØÓÎÕÅÓÈÔÈÔ× Ø×ÌÛÊÈÏ×ÎÈÛÎØÓÉÎÍÈØ×ÐÓÎËÇ×ÎÈÓÎÈÔ×ÌÛÃÏ×ÎÈÍÖÛÎÃÈÛÄÙÍÐÐ×ÙÈ×ØÚÃÈÔ× Ø×ÌÛÊÈÏ×ÎÈûÖÛÓÐÇÊ×ÈÍÛÌÌÊÍÆ×ÍÊØ×ÎÃÈÔ×Ù×ÊÈÓÖÓÙÛÈÓÍÎÅÓÈÔÓÎÉÓÄÈÃØÛÃÉ ÛÖÈ×ÊÈÔ×ØÛÈ×ÈÔ×ÚÇÉÓÎ×ÉÉÉÇÚÏÓÈÉÓÈÈÍÈÔ×Ø×ÌÛÊÈÏ×ÎÈÙÍÎÉÈÓÈÇÈ×ÉÛÌÌÊÍÆÛÐ ÍÖÈÔ×Ù×ÊÈÓÖÓÙÛÈÓÍÎ ù öÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎúÌÛÊÛÕÊÛÌÔ ÈÔ×ÛÇÈÔÍÊÓÈÃÉÔÛÐÐÙ×ÊÈÓÖÃÌÊÓÏ×ÙÍÎÈÊÛÙÈÍÊÉÈÔÛÈÙÍÎÈÊÛÙÈÖÍÊÈÔ× ÙÍÎÉÈÊÇÙÈÓÍÎÍÖÛÎÃÚÇÓÐØÓÎÕÍÊÍÈÔ×ÊÉÈÊÇÙÈÇÊ×ÌÊÍÒ×ÙÈØ×Æ×ÐÍÌÏ×ÎÈÍÊ ÓÏÌÊÍÆ×Ï×ÎÈÍÅÎ×ØÚÃÛËÇÛÐÓÖÓ×ØÚÇÉÓÎ×ÉÉÖÍÊÌÇÊÌÍÉ×ÉÍÖÛËÇÛÐÓÖÃÓÎÕ ÌÊÍÒ×ÙÈØ×ÉÙÊÓÚ×ØÓÎÉÇÚÉ×ÙÈÓÍÎúÌÛÊÛÕÊÛÌÔÍÖÈÔÓÉÉ×ÙÈÓÍÎ øùèÍÍÚÈÛÓÎÛÎØÏÛÓÎÈÛÓÎÙ×ÊÈÓÖÓÙÛÈÓÍÎÇÎØ×ÊÈÔÓÉÉ×ÙÈÓÍÎÛ ÚÇÉÓÎ×ÉÉÏÇÉÈ ûÌÌÐÃÈÍÈÔ×ÛÇÈÔÍÊÓÈÃ éÇÚÏÓÈÛÎØÊ×ÈÛÓÎÙÍÌÓ×ÉÍÖÛÐÐÊ×ËÇÓÊ×ØÓÎÖÍÊÏÛÈÓÍÎÓÎÙÐÇØÓÎÕ ÓÎÖÍÊÏÛÈÓÍÎÊ×ÐÛÈÓÎÕÈÍÈÔ×ÛÙÈÇÛÐÍÊÌÊÍÒ×ÙÈ×ØÎÇÏÚ×ÊÍÖ×ÏÌÐÍÃ××ÉÓÎÈÔÓÉ ÉÈÛÈ× ûÐÐÍÅÓÎÉÌ×ÙÈÓÍÎÉÛÎØÛÇØÓÈÉÈÍÆ×ÊÓÖÃÈÔ×ËÇÛÐÓÖÓÙÛÈÓÍÎÛÎØ ÛÙÙÇÊÛÙÃÍÖÓÎÖÍÊÏÛÈÓÍÎÉÇÚÏÓÈÈ×ØÈÍÈÔ×ÛÇÈÔÍÊÓÈÃ ÷øù×ÊÈÓÖÓÙÛÈÓÍÎÇÎØ×ÊÈÔÓÉÉ×ÙÈÓÍÎÓÉÆÛÐÓØÖÍÊÉÓÄÈÃÙÛÐ×ÎØÛÊ ÏÍÎÈÔÉÖÊÍÏÈÔ×ØÛÈ×ÍÖÓÉÉÇÛÎÙ×ûÚÇÉÓÎ×ÉÉÏÇÉÈÛÌÌÐÃÖÍÊÊ×Ù×ÊÈÓÖÓÙÛÈÓÍÎ ÛÈÐ×ÛÉÈÈÔÓÊÈÃØÛÃÉÚ×ÖÍÊ×ÈÔ×ÙÇÊÊ×ÎÈÙ×ÊÈÓÖÓÙÛÈÓÍÎ×ÄÌÓÊ×ÉèÔ× ÛÌÌÐÓÙÛÈÓÍÎÖÍÊÊ×Ù×ÊÈÓÖÓÙÛÈÓÍÎÉÔÛÐÐÚ×ÓÎÛÖÍÊÏÌÊ×ÉÙÊÓÚ×ØÚÃÈÔ× ÛÇÈÔÍÊÓÈÃÛÎØÉÔÛÐÐÙÍÎÖÓÊÏÈÔÛÈÈÔ×ÚÇÉÓÎ×ÉÉÓÉÙÍÎÈÓÎÇÓÎÕÓÎÛËÇÛÐÓÖÃÓÎÕ ÌÊÍÒ×ÙÈÛÎØÓÉÓÎÙÍÏÌÐÓÛÎÙ×ÅÓÈÔÛÐÐÊ×ËÇÓÊ×Ï×ÎÈÉÌÊ×ÉÙÊÓÚ×ØÖÍÊ Ù×ÊÈÓÖÓÙÛÈÓÍÎ Study Session - March 13, 2013 - Page 39 of 125 ôú ö÷åÓÈÔÓÎÉÓÄÈÃØÛÃÉÛÖÈ×ÊÊ×Ù×ÓÆÓÎÕÛÙÍÏÌÐ×È×ÛÎØÙÍÊÊ×ÙÈ ÛÌÌÐÓÙÛÈÓÍÎÛÎØÛÐÐÊ×ËÇÓÊ×ØÓÎÖÍÊÏÛÈÓÍÎÛÉÌÊ×ÉÙÊÓÚ×ØÚÃÈÔÓÉÉ×ÙÈÓÍÎÈÔ× ÛÇÈÔÍÊÓÈÃÉÔÛÐÐÕÊÛÎÈÍÊØ×ÎÃÙ×ÊÈÓÖÓÙÛÈÓÍÎÛÎØÕÓÆ×ÅÊÓÈÈ×ÎÎÍÈÓÙ×ÚÃ Ù×ÊÈÓÖÓ×ØÏÛÓÐÈÍÈÔ×ÛÌÌÐÓÙÛÎÈèÔ×ÛÌÌÐÓÙÛÎÈÓÉÙ×ÊÈÓÖÓ×ØÛÉÛËÇÛÐÓÖÓ×Ø ÚÇÉÓÎ×ÉÉÍÎÈÔ×ØÛÈ×ÈÔ×ÎÍÈÓÙ×ÍÖÙ×ÊÈÓÖÓÙÛÈÓÍÎÓÉØ×ÐÓÆ×Ê×ØÈÍÈÔ× ÛÌÌÐÓÙÛÎÈûÖÛÓÐÇÊ×ÈÍÊ×ÉÌÍÎØÅÓÈÔÓÎÉÓÄÈÃØÛÃÉÛÖÈ×ÊÊ×Ù×ÓÆÓÎÕÛÙÍÏÌÐ×È× ÛÎØÙÍÊÊ×ÙÈÛÌÌÐÓÙÛÈÓÍÎÙÍÎÉÈÓÈÇÈ×ÉÛÌÌÊÍÆÛÐÍÖÈÔ×ÛÌÌÐÓÙÛÈÓÍÎ õöèÔ×Ù×ÊÈÓÖÓÙÛÈÓÍÎÉÔÛÐÐÉÈÛÈ×ÛÎ×ÖÖ×ÙÈÓÆ×ØÛÈ×ÅÓÈÔÊ×ÉÌ×ÙÈÈÍ ×ÛÙÔÛÇÈÔÍÊÓÂ×ØÈÛÄÓÎÙ×ÎÈÓÆ×ÅÔÓÙÔÓÎ×ÛÙÔÙÛÉ×ÏÇÉÈÚ×ÛÈÈÔ×ÉÈÛÊÈÍÖÛ ÈÛÄÛÚÐ×Ã×ÛÊÍÊÈÛÄÛÚÐ×Ì×ÊÓÍØ ôõíÎÍÊÚ×ÖÍÊ×ïÛÊÙÔÍÖ×ÛÙÔÃ×ÛÊ×ÛÙÔËÇÛÐÓÖÃÓÎÕÚÇÉÓÎ×ÉÉ ÉÔÛÐÐÏÛÑ×ÛÊ×ÌÍÊÈÈÍÈÔ×ÛÇÈÔÍÊÓÈÃÍÎÛÐÐÚÇÉÓÎ×ÉÉÛÙÈÓÆÓÈÃÓÎÈÔ× ÌÊ×Ù×ØÓÎÕÙÛÐ×ÎØÛÊÃ×ÛÊúÇÉÓÎ×ÉÉÓÎÖÍÊÏÛÈÓÍÎÙÍÎÈÛÓÎ×ØÓÎÈÔ×Ê×ÌÍÊÈÉÓÉ ÙÍÎÖÓØ×ÎÈÓÛÐÛÎØÉÔÛÐÐÎÍÈÚ×ØÓÉÙÐÍÉ×ØÈÍÈÔ×ÌÇÚÐÓÙ×ÄÙ×ÌÈÛÉÌÊÍÆÓØ×ØÚÃ ÈÔÓÉÉ×ÙÈÓÍÎÛÎØ×ÄÙ×ÌÈÈÔÛÈÛÙÍÌÃÍÖÈÔ×Ê×ÌÍÊÈÉÔÛÐÐÚ×ÈÊÛÎÉÏÓÈÈ×ØÈÍÈÔ× Ø×ÌÛÊÈÏ×ÎÈÍÖÊ×Æ×ÎÇ×èÔ×Ê×ÌÍÊÈÉÔÛÐÐÚ×ÓÎÛÖÍÊÏÌÊ×ÉÙÊÓÚ×ØÚÃÈÔ× ÛÇÈÔÍÊÓÈÃÛÎØÓÎÙÐÇØ× óÎÖÍÊÏÛÈÓÍÎÌÊ×ÉÙÊÓÚ×ØÚÃÈÔ×ÛÇÈÔÍÊÓÈÃÅÓÈÔÊ×ÉÌ×ÙÈÈÍÚÍÈÔ ËÇÛÐÓÖÃÓÎÕÌÊÍÒ×ÙÈÉÛÎØÍÈÔ×ÊÌÊÍÒ×ÙÈÉÛÎØÚÇÉÓÎ×ÉÉÛÙÈÓÆÓÈÃÈÔÛÈØÍÎÍÈ ËÇÛÐÓÖÃÖÍÊÌÇÊÌÍÉ×ÉÍÖÈÔÓÉÉ×ÙÈÓÍÎ ÷ÏÌÐÍÃÏ×ÎÈÓÎÖÍÊÏÛÈÓÍÎÎ×Ù×ÉÉÛÊÃÈÍÙÍÎÖÓÊÏ×ÐÓÕÓÚÓÐÓÈÃÖÍÊÓÎÙÍÏ× ÈÛÄÙÊ×ØÓÈÉÛÉÌÊ×ÉÙÊÓÚ×ØÚÃÉ×ÙÈÓÍÎÉ ÛÎØ èÔ×ËÇÛÎÈÓÈÃÏ×ÛÉÇÊ×ØÚÃÅ×ÓÕÔÈÍÖËÇÛÐÓÖÃÓÎÕÖÍÊ×ÉÈÌÊÍØÇÙÈÉ ÔÛÊÆ×ÉÈ×ØÈÊÛÎÉÌÍÊÈ×ØÍÊÌÊÍÙ×ÉÉ×Ø óôíÎÍÊÚ×ÖÍÊ×ïÛÃÍÖ×ÛÙÔÃ×ÛÊÈÔ×ÛÇÈÔÍÊÓÈÃÉÔÛÐÐÊ×ÌÍÊÈÈÍ ÈÔ×ÒÍÓÎÈÐ×ÕÓÉÐÛÈÓÆ×ÚÇØÕ×ÈÙÍÏÏÓÈÈ×× èÔ×ËÇÛÎÈÓÈÃÏ×ÛÉÇÊ×ØÚÃÅ×ÓÕÔÈÍÖËÇÛÐÓÖÃÓÎÕÖÍÊ×ÉÈÌÊÍØÇÙÈÉ Ê×ÌÍÊÈ×ØÚÃÔÛÊÆ×ÉÈ×ÊÉÚÃÈÊÛÎÉÌÍÊÈ×ÊÉÛÎØÚÃÌÊÍÙ×ÉÉÍÊÉÓÎÈÔ×ÌÊ×Ù×ØÓÎÕ ÙÛÐ×ÎØÛÊÃ×ÛÊ ×ÏÌÐÍÃ××ÉÔÓÊ×ØÓÎËÇÛÐÓÖÓ×Ø×ÏÌÐÍÃÏ×ÎÈ ÌÍÉÓÈÓÍÎÉÓÎÈÔÓÉÉÈÛÈ×ÓÎÈÔ×ÌÊ×Ù×ØÓÎÕÙÛÐ×ÎØÛÊÃ×ÛÊÛÎØÊ×ÌÍÊÈ×ØÖÍÊÈÛÄ ÙÊ×ØÓÈÌÇÊÌÍÉ×É èÔ×ÈÍÈÛÐÎÇÏÚ×ÊÍÖÛÐÐÖÇÐÐÈÓÏ××ÏÌÐÍÃ××É×ÏÌÐÍÃ×ØÓÎËÇÛÐÓÖÓ×Ø ×ÏÌÐÍÃÏ×ÎÈÌÍÉÓÈÓÍÎÉÓÎÈÔÓÉÉÈÛÈ×ÓÎÈÔ×ÌÊ×Ù×ØÓÎÕÙÛÐ×ÎØÛÊÃ×ÛÊÛÎØ Ê×ÌÍÊÈ×ØÖÍÊÈÛÄÙÊ×ØÓÈÌÇÊÌÍÉ×É òóöÍÊÌÇÊÌÍÉ×ÉÍÖÛØÏÓÎÓÉÈ×ÊÓÎÕÛÎØ×ÎÉÇÊÓÎÕÙÍÏÌÐÓÛÎÙ×ÅÓÈÔÈÔÓÉ É×ÙÈÓÍÎÛÕ×ÎÈÉÍÖÈÔ×ÛÇÈÔÍÊÓÈÃÏÛÃ×ÎÈ×ÊÛÎØÛËÇÛÐÓÖÓ×ØÚÇÉÓÎ×ÉÉÉÔÛÐÐ ÛÐÐÍÅÛÙÙ×ÉÉÈÍÛËÇÛÐÓÖÃÓÎÕÌÊÍÒ×ÙÈÉÓÈ×ÛÈÊ×ÛÉÍÎÛÚÐ×ÈÓÏ×ÉÛÎØÍÎ Ê×ÛÉÍÎÛÚÐ×ÎÍÈÓÙ×ÈÍ óÎÉÌ×ÙÈÈÔ×ÖÛÙÓÐÓÈÓ×ÉÛÈÈÔ×ÉÓÈ× íÚÈÛÓÎÖÛÙÈÇÛÐØÛÈÛÛÎØÊ×ÙÍÊØÉÌ×ÊÈÓÎ×ÎÈÈÍÛÎØÊ×ËÇÓÊ×ØÚÃÐÛÅÈÍ Ú×Ñ×ÌÈÖÍÊÌÇÊÌÍÉ×ÉÍÖÈÛÄÓÎÙ×ÎÈÓÆ×É íÈÔ×ÊÅÓÉ×ÛÉÙ×ÊÈÛÓÎÙÍÏÌÐÓÛÎÙ×ÅÓÈÔÐÛÅÛÎØÈÔ×È×ÊÏÉÍÖÈÔ× Ï×ÏÍÊÛÎØÇÏÍÖÇÎØ×ÊÉÈÛÎØÓÎÕ Study Session - March 13, 2013 - Page 40 of 125 ôú ñòèÔ×ÛÇÈÔÍÊÓÈÃÉÔÛÐÐÊ×ÆÍÑ×ÈÔ×ÚÇÉÓÎ×ÉÉÙ×ÊÈÓÖÓÙÛÈÓÍÎÛÎØ ÎÍÈÓÖÃÈÔ×Ø×ÌÛÊÈÏ×ÎÈÍÖÊ×Æ×ÎÇ×ÛÎØÙÍÇÎÈÃÛÉÉ×ÉÉÍÊÓÖ×ÓÈÔ×Ê åÓÈÔÓÎÈÔÓÊÈÃØÛÃÉÛÖÈ×ÊÛÖÍÊÏÛÐÊ×ËÇ×ÉÈÖÊÍÏÈÔ×ÛÇÈÔÍÊÓÈÃÍÊÈÔ× Ø×ÌÛÊÈÏ×ÎÈÍÖÊ×Æ×ÎÇ×ÈÔ×ÚÇÉÓÎ×ÉÉÖÛÓÐÉÍÊÊ×ÖÇÉ×ÉÈÍÌÊÍÆÓØ×ÈÔ× ÓÎÖÍÊÏÛÈÓÍÎÍÊÛÙÙ×ÉÉÖÍÊÓÎÉÌ×ÙÈÓÍÎÉÊ×ËÇÓÊ×ØÚÃÈÔÓÉÉ×ÙÈÓÍÎ èÔ×ÚÇÉÓÎ×ÉÉÎÍÐÍÎÕ×ÊÏ××ÈÉÈÔ×È×ÊÏÉÛÎØÙÍÎØÓÈÓÍÎÉÊ×ËÇÓÊ×ØÖÍÊ ËÇÛÐÓÖÓÙÛÈÓÍÎÖÍÊÈÔ×ÛÌÌÐÓÙÛÚÐ×ÈÛÄÓÎÙ×ÎÈÓÆ×É ðñöÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÈÔÓÉÉ×ÙÈÓÍÎ öÍÊ×ÉÈÔ×ÛÐÈÔÏ×ÛÎÉÈÔ×Ø×ÕÊ××ÈÍÅÔÓÙÔÈÔ×ÓÎÈ×ÕÊÓÈÃÍÖÈÔ× ÖÍÊ×ÉÈÓÉÉÇÉÈÛÓÎ×ØÓÎÙÐÇØÓÎÕÊ×ØÇÙÓÎÕÈÔ×ÊÓÉÑÍÖÙÛÈÛÉÈÊÍÌÔÓÙÅÓÐØÖÓÊ×ÛÎØ Ø×ÉÈÊÇÙÈÓÆ×ÓÎÉ×ÙÈÓÎÖ×ÉÈÛÈÓÍÎÚ×Î×ÖÓÈÓÎÕÅÓÐØÐÛÎØÔÛÚÓÈÛÈÉÅÛÈ×ÊÉÔ×ØÉÛÎØ ÙÍÏÏÇÎÓÈÓ×É ôÛÊÆ×ÉÈÓÎÕÏ×ÛÎÉÛÐÐÍÌ×ÊÛÈÓÍÎÉÊ×ÐÛÈÓÎÕÈÍÖ×ÐÐÓÎÕÍÊÍÈÔ×ÊÅÓÉ× Ê×ÏÍÆÓÎÕÈÊ××ÉÛÎØÍÈÔ×ÊÖÍÊ×ÉÈÌÐÛÎÈÕÊÍÅÈÔÛÎØÌÊ×ÌÛÊÓÎÕÈÔ×ÏÖÍÊÈÊÛÎÉÌÍÊÈ ÖÍÊÉÇÚÉ×ËÇ×ÎÈÌÊÍÙ×ÉÉÓÎÕ ìÊÍÙ×ÉÉÓÎÕÏ×ÛÎÉ ÛûÎÃÙÔÛÎÕ×ÓÎÈÔ×ÌÔÃÉÓÙÛÐÉÈÊÇÙÈÇÊ×ÍÖËÇÛÐÓÖÃÓÎÕÖÍÊ×ÉÈÌÊÍØÇÙÈÉ Ê×ÏÍÆ×ØÖÊÍÏÛËÇÛÐÓÖÃÓÎÕÌÊÍÒ×ÙÈÓÎÈÍÛÏÛÊÑ×ÈÛÚÐ×ÙÍÏÏ×ÊÙÓÛÐÌÊÍØÇÙÈÍÊ ÙÍÏÌÍÎ×ÎÈÍÖÛÌÊÍØÇÙÈÈÔÛÈÔÛÉÙÍÏÏ×ÊÙÓÛÐÆÛÐÇ×ÈÍÛÙÍÎÉÇÏ×ÊÍÊÌÇÊÙÔÛÉ×Ê ÛÎØÈÔÛÈÓÉÊ×ÛØÃÈÍÚ×ÇÉ×ØÅÓÈÔÍÊÅÓÈÔÍÇÈÖÇÊÈÔ×ÊÛÐÈ×ÊÓÎÕÓÈÉÖÍÊÏ ÚúÇÊÎÓÎÕËÇÛÐÓÖÃÓÎÕÖÍÊ×ÉÈÌÊÍØÇÙÈÉÓÎÈÔ×ÌÊÍÙ×ÉÉÍÖÙÍÏÏ×ÊÙÓÛÐ ×Ð×ÙÈÊÓÙÛÐÕ×Î×ÊÛÈÓÍÎÍÊÙÍÏÏ×ÊÙÓÛÐÈÔ×ÊÏÛÐ×Î×ÊÕÃÌÊÍØÇÙÈÓÍÎÖÍÊÔ×ÛÈÓÎÕÍÊ ÙÍÍÐÓÎÕÊ×ÕÛÊØÐ×ÉÉÍÖÈÔ×ÌÔÃÉÓÙÛÐÉÈÊÇÙÈÇÊ×ÍÖÈÔ×ÖÍÊ×ÉÈÌÊÍØÇÙÈÚ×ÖÍÊ× ÚÇÊÎÓÎÕ ëÇÛÐÓÖÃÓÎÕ×ËÇÓÌÏ×ÎÈÏ×ÛÎÉ×ËÇÓÌÏ×ÎÈÇÉ×ØØÓÊ×ÙÈÐÃÓÎÔÛÊÆ×ÉÈÓÎÕ ÍÊÌÊÍÙ×ÉÉÓÎÕËÇÛÐÓÖÃÓÎÕÖÍÊ×ÉÈÌÊÍØÇÙÈÉÊ×ÏÍÆ×ØÖÊÍÏÛËÇÛÐÓÖÃÓÎÕÌÊÍÒ×ÙÈ ëÇÛÐÓÖÃÓÎÕ×ËÇÓÌÏ×ÎÈØÍ×ÉÎÍÈÓÎÙÐÇØ×É×ÐÖÌÊÍÌ×ÐÐ×ØÆ×ÔÓÙÐ×ÉÊ×ËÇÓÊ×ØÈÍÚ× ÐÓÙ×ÎÉ×ØÚÃÈÔÓÉÉÈÛÈ×ÚÇÈÏÛÃÓÎÙÐÇØ×ÍÈÔ×ÊÐÓÙ×ÎÉ×ØÆ×ÔÓÙÐ×ÉÛÉÌÊÍÆÓØ×Ø ÚÃÈÔÓÉÌÛÊÛÕÊÛÌÔëÇÛÐÓÖÃÓÎÕ×ËÇÓÌÏ×ÎÈÓÎÙÐÇØ×É ÛöÍÊ×ÉÈÈÔÓÎÎÓÎÕÛÎØÊ×ÉÓØÇ×Ê×ÏÍÆÛÐ×ËÇÓÌÏ×ÎÈÓÎÙÐÇØÓÎÕÏÇÐÙÔÓÎÕ ÛÎØÏÛÉÈÓÙÛÈÓÎÕ×ËÇÓÌÏ×ÎÈÖ×ÐÐ×ÊÚÇÎÙÔ×ÊÉÉÑÓØØ×ÊÉÐÍÕÐÍÛØ×ÊÉÌÍÊÈÛÚÐ× ÙÔÓÌÌ×ÊÉÛÎØÕÊÓÎØ×ÊÉÉÐÛÉÔÚÇÎØÐ×ÊÉØ×ÐÓÏÚ×ÊÉÐÍÕÈÊÛÓÐ×ÊÉÙÔÓÌÈÊÛÓÐ×ÊÉ ÛÎØÍÈÔ×ÊÈÊÛÓÐ×ÊÉÈÔÛÈÛÊ×ÇÎÓËÇ×ÐÃØ×ÉÓÕÎ×ØÖÍÊÔÛÎØÐÓÎÕÖÍÊ×ÉÈÌÊÍØÇÙÈÉ ÛÎØÈÔÛÈÛÊ×ÐÓÙ×ÎÉ×ØÖÍÊÍÌ×ÊÛÈÓÍÎÍÎÌÇÚÐÓÙÔÓÕÔÅÛÃÉ ÚöÍÊ×ÉÈÊ×ÉÓØÇ×Ê×Ù×ÓÆÓÎÕÛÎØÔÛÎØÐÓÎÕ×ËÇÓÌÏ×ÎÈÓÎÙÐÇØÓÎÕÈÊÇÙÑ ØÇÏÌ×ÊÉÐÍÕÇÎÐÍÛØ×ÊÉÉÙÛÐ×ÉÐÍÕØ×ÙÑÓÎÕÖÛÙÓÐÓÈÓ×ÉÛÎØ×ËÇÓÌÏ×ÎÈÛÎØÙÔÓÌ ÌÓÐ×ÖÛÙÓÐÓÈÓ×É ÙéÍÊÈÓÎÕÛÎØÌÊÍÙ×ÉÉÓÎÕ×ËÇÓÌÏ×ÎÈÓÎÙÐÇØÓÎÕÌÍÊÈÛÚÐ×ÛÎØ ÉÈÛÈÓÍÎÛÊÃÐÍÕÐÍÛØ×ÊÉÖÊÍÎÈ×ÎØÐÍÛØ×ÊÉÖÍÊÑÐÓÖÈÉ öíêñðóöèéÛÎØÙÊÛÎ×É ÙÔÓÌÌ×ÊÉÛÎØÕÊÓÎØ×ÊÉÉÙÊ××ÎÉØ×ÙÑÉÛÎØØ×ÚÛÊÑ×ÊÉÉÛÅÉÛÎØÉÛÅÏÓÐÐ ×ËÇÓÌÏ×ÎÈÖÓÊ×ÅÍÍØÌÊÍÙ×ÉÉÓÎÕÅÍÍØÊ×ÉÓØÇ×ÚÛÐÓÎÕÛÎØÚÛÕÕÓÎÕ×ËÇÓÌÏ×ÎÈ ÑÓÐÎÉÌÐÛÎÓÎÕÛÎØÏÍÐØÓÎÕ×ËÇÓÌÏ×ÎÈÛÎØÐÛÏÓÎÛÈÓÎÕÛÎØÒÍÓÎÓÎÕ×ËÇÓÌÏ×ÎÈ Study Session - March 13, 2013 - Page 41 of 125 ôú ØöÍÊ×ÉÈÅÛÉÈ×ÛÎØÊ×ÉÓØÇ×ØÓÉÌÍÉÛÐÛÎØÌÊÍÙ×ÉÉÓÎÕ×ËÇÓÌÏ×ÎÈ ÓÎÙÐÇØÓÎÕ ÓìÊÍÙ×ÉÉÓÎÕÛÎØÉÓÂÓÎÕ×ËÇÓÌÏ×ÎÈÔÍÕÉÙÔÓÌÌ×ÊÉÉÙÊ××ÎÉ Ì×ÐÐ×ÈÓÂ×ÊÉÛÎØÅÍÍØÉÌÐÓÈÈ×ÊÉ ÓÓèÊÛÎÉÌÍÊÈÓÎÕÛÎØÔÛÎØÐÓÎÕ×ËÇÓÌÏ×ÎÈÓÎÙÐÇØÓÎÕÐÍÛØ×ÊÉ ÙÍÎÆ×ÃÍÊÉÚÐÍÅ×ÊÉÊ×Ù×ÓÆÓÎÕÔÍÌÌ×ÊÉÈÊÇÙÑØÇÏÌ×ÊÉÛÎØØÍÂ×ÊÉ ÓÓÓåÛÉÈ×ÇÉ××ËÇÓÌÏ×ÎÈÓÎÙÐÇØÓÎÕÖÇ×ÐÖ××ØÉÈÍÊÛÕ×ÚÓÎÉÚÍÓÐ×ÊÉ ÛÎØÙÍÏÚÇÉÈÍÊÉ ÓÆåÛÉÈ×ÌÊÍÒ×ÙÈÇÉ××ËÇÓÌÏ×ÎÈÓÎÙÐÇØÓÎÕÕ×Î×ÊÛÈÍÊÉÉÅÓÈÙÔÕ×ÛÊÛÎØ ÉÇÚÉÈÛÈÓÍÎÉÛÎØÍÎÉÓÈ×ØÓÉÈÊÓÚÇÈÓÍÎÉÃÉÈ×ÏÉ Æõ×Î×ÊÛÈ×ØÅÛÉÈ×ØÓÉÌÍÉÛÐ×ËÇÓÌÏ×ÎÈÓÎÙÐÇØÓÎÕÛÉÔÉÓÐÍÉÛÎØ ÅÛÉÈ×ÅÛÈ×ÊÈÊ×ÛÈÏ×ÎÈÛÎØØÓÉÌÍÉÛÐ×ËÇÓÌÏ×ÎÈ ÆÓéÔÍÌÛÎØÏÛÓÎÈ×ÎÛÎÙ××ËÇÓÌÏ×ÎÈÛÎØÏÛÒÍÊÉÌÛÊ×ÉÔÛÆÓÎÕÛÆÛÐÇ×ÍÖ ÏÍÊ×ÈÔÛÎÖÓÆ×ÈÔÍÇÉÛÎØØÍÐÐÛÊÉ×ÛÙÔ ëÇÛÐÓÖÃÓÎÕÖÍÊ×ÉÈÌÊÍØÇÙÈÉÏ×ÛÎÉØ×ÛØÉÈÛÎØÓÎÕÛÎØÖÛÐÐ×ÎÈÓÏÚ×Ê ÛÎØÖÍÊ×ÉÈÈÔÓÎÎÓÎÕÉÛÉÉÍÙÓÛÈ×ØÅÓÈÔÈÔ×ÔÛÊÆ×ÉÈÍÖÉÏÛÐÐØÓÛÏ×È×ÊÈÓÏÚ×Ê ÉÐÛÉÔÅÍÍØÙÔÓÌÉÌ××ÐÓÎÕÉÚÊÇÉÔÛÎØÍÈÔ×ÊÅÍÍØÃÆ×Õ×ÈÛÈÓÍÎÊ×ÏÍÆ×ØÖÊÍÏ Ö×Ø×ÊÛÐÉÈÛÈ×ÛÎØÍÈÔ×ÊÌÇÚÐÓÙÖÍÊ×ÉÈÐÛÎØÛÎØÖÊÍÏÌÊÓÆÛÈ×ÖÍÊ×ÉÈÐÛÎØ ëÇÛÐÓÖÃÓÎÕÌÊÍÒ×ÙÈÏ×ÛÎÉÔÛÊÆ×ÉÈÓÎÕÈÊÛÎÉÌÍÊÈÓÎÕÍÊÌÊÍÙ×ÉÉÓÎÕ ËÇÛÐÓÖÃÓÎÕÖÍÊ×ÉÈÌÊÍØÇÙÈÉÛÉÊ×ËÇÓÊ×ØÖÍÊÙ×ÊÈÓÖÓÙÛÈÓÍÎÌÇÊÉÇÛÎÈÈÍÈÔÓÉ É×ÙÈÓÍÎ é×Ù é×ÙÈÓÍÎ ûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÓÉÛÏ×ÎØ×ØÈÍÊ×ÛØ èÛÄÓÎÙ×ÎÈÓÆ×ÉÙÍÎØÓÈÓÍÎÉ ûûÌÊÓÏ×ÙÍÎÈÊÛÙÈÍÊÏÛÃËÇÛÐÓÖÃÖÍÊÛÎ×Ä×ÏÌÈÓÍÎÖÊÍÏÈÊÛÎÉÛÙÈÓÍÎ ÌÊÓÆÓÐ×Õ×ÈÛÄÅÓÈÔÊ×ÉÌ×ÙÈÈÍÛÙÈÓÆÓÈÓ×ÉÓÎÛÏÓÐÓÈÛÊÃÊ×ÇÉ×ÂÍÎ×ÛÉ ÌÊÍÆÓØ×ØÛÎØÉÇÚÒ×ÙÈÈÍÈÔ×È×ÊÏÉÛÎØÙÍÎØÓÈÓÍÎÉÌÊ×ÉÙÊÓÚ×ØÚÃÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎúÌÛÊÛÕÊÛÌÔ úûûÈÛÄÌÛÃ×ÊÈÔÛÈÍÅÎÉÍÊÐ×ÛÉ×ÉÓÎÙÍÏ×ÌÊÍØÇÙÓÎÕÌÊÍÌ×ÊÈÃ ÐÍÙÛÈ×ØÓÎÛÏÓÐÓÈÛÊÃÊ×ÇÉ×ÂÍÎ×ÓÉ×ÐÓÕÓÚÐ×ÖÍÊÛÎÓÎÙÍÏ×ÈÛÄÙÊ×ØÓÈÖÍÊÎ×È ÓÎÙÊ×ÛÉ×ÉÓÎ×ÏÌÐÍÃÏ×ÎÈÍÖÖÇÐÐÈÓÏ××ÏÌÐÍÃ××ÉÅÔÍÛÊ×ÌÊÓÏÛÊÓÐÃ×ÎÕÛÕ×ØÓÎ ÌÊÍÆÓØÓÎÕÛÆÓÛÈÓÍÎÍÊÛ×ÊÍÉÌÛÙ×É×ÊÆÓÙ×ÉÍÊÓÎÏÛÎÇÖÛÙÈÇÊÓÎÕÛÉÉ×ÏÚÐÓÎÕÍÊ ÖÛÚÊÓÙÛÈÓÎÕÛÆÓÛÈÓÍÎÍÊÛ×ÊÍÉÌÛÙ×ÌÊÍØÇÙÈÉÛÉÌÊÍÆÓØ×ØÛÎØÉÇÚÒ×ÙÈÈÍÈÔ× È×ÊÏÉÛÎØÙÍÎØÓÈÓÍÎÉÌÊ×ÉÙÊÓÚ×ØÚÃÉ×ÙÈÓÍÎ ÍÊ ÛÉ ÛÌÌÐÓÙÛÚÐ×èÍËÇÛÐÓÖÃÖÍÊÛÈÛÄÓÎÙ×ÎÈÓÆ×ÇÎØ×ÊÈÔÓÉÉÇÚÉ×ÙÈÓÍÎÈÔ× ÈÛÄÌÛÃ×ÊÉÔÛÐÐ ûÕÊ××ÅÓÈÔÈÔ×ûÊÓÂÍÎÛÙÍÏÏ×ÊÙ×ÛÇÈÔÍÊÓÈÃÓÎÅÊÓÈÓÎÕÈÍÖÇÊÎÓÉÔ ÓÎÖÍÊÏÛÈÓÍÎÊ×ÐÛÈÓÎÕÈÍÈÔ×ÛÏÍÇÎÈÍÖÈÛÄÚ×Î×ÖÓÈÉÈÔ×ÈÛÄÌÛÃ×ÊÊ×Ù×ÓÆ×ÉÖÍÊ ×ÛÙÔÈÛÄÛÚÐ×Ã×ÛÊÓÎÅÔÓÙÔÈÔ×ÈÛÄÌÛÃ×ÊÙÐÛÓÏÉÈÔ×ÙÊ×ØÓÈóÖÈÔ×ÈÛÄÌÛÃ×Ê ÖÛÓÐÉÈÍÌÊÍÆÓØ×ÈÔ×Ê×ËÇÓÊ×ØÓÎÖÍÊÏÛÈÓÍÎÈÔ×ÛÇÈÔÍÊÓÈÃÉÔÛÐÐÓÏÏ×ØÓÛÈ×ÐÃ Ê×ÆÍÑ×ÈÔ×ÈÛÄÌÛÃ×ÊÉËÇÛÐÓÖÓÙÛÈÓÍÎÛÎØÎÍÈÓÖÃÈÔ×Ø×ÌÛÊÈÏ×ÎÈÍÖÊ×Æ×ÎÇ× ÷ÎÈ×ÊÓÎÈÍÛÏ×ÏÍÊÛÎØÇÏÍÖÇÎØ×ÊÉÈÛÎØÓÎÕÅÓÈÔÈÔÓÉÉÈÛÈ×ÈÔÊÍÇÕÔ ÈÔ×ÛÇÈÔÍÊÓÈÃÙÍÎÈÛÓÎÓÎÕ×ÏÌÐÍÃÏ×ÎÈÕÍÛÐÉ÷ÛÙÔÃ×ÛÊÓÎÅÔÓÙÔÈÔ×ÈÛÄÌÛÃ×Ê ÙÐÛÓÏÉÈÔ×ÙÊ×ØÓÈÈÔ×ÈÛÄÌÛÃ×ÊÉÔÛÐÐÊ×ÌÍÊÈÓÎÅÊÓÈÓÎÕÈÍÈÔ×ÛÇÈÔÍÊÓÈÃÓÈÉ Ì×ÊÖÍÊÏÛÎÙ×ÓÎÛÙÔÓ×ÆÓÎÕÈÔ×ÕÍÛÐÉèÔ×Ï×ÏÍÊÛÎØÇÏÉÔÛÐÐÙÍÎÈÛÓÎÌÊÍÆÓÉÓÍÎÉ ÈÔÛÈÛÐÐÍÅ Study Session - March 13, 2013 - Page 42 of 125 ôú ÛèÔ×ÛÇÈÔÍÊÓÈÃÈÍÉÈÍÌÊ×ÛØÒÇÉÈÍÊÊ×ÙÛÌÈÇÊ×ÛÐÐÍÊÌÛÊÈÍÖÈÔ× ÈÛÄÙÊ×ØÓÈÛÐÐÍÅ×ØÈÍÈÔ×ÈÛÄÌÛÃ×ÊÍÎÎÍÎÙÍÏÌÐÓÛÎÙ×ÅÓÈÔÈÔ×È×ÊÏÉÍÖÈÔ× Ï×ÏÍÊÛÎØÇÏ ÚèÔ×ÛÇÈÔÍÊÓÈÃÈÍÎÍÈÓÖÃÈÔ×Ø×ÌÛÊÈÏ×ÎÈÍÖÊ×Æ×ÎÇ×ÍÖÈÔ× ÙÍÎØÓÈÓÍÎÉÍÖÎÍÎÙÍÏÌÐÓÛÎÙ× ÙèÔ×Ø×ÌÛÊÈÏ×ÎÈÍÖÊ×Æ×ÎÇ×ÈÍÊ×ËÇÓÊ×ÈÔ×ÈÛÄÌÛÃ×ÊÈÍÖÓÐ× ÛÌÌÊÍÌÊÓÛÈ×ÛÏ×ÎØ×ØÈÛÄÊ×ÈÇÊÎÉÊ×ÖÐ×ÙÈÓÎÕÈÔ×Ê×ÙÛÌÈÇÊ×ÍÖÈÔ×ÈÛÄÙÊ×ØÓÈ ùúèÛÄÛÚÐ×ÌÊÍÌ×ÊÈÃÓÎÛÏÓÐÓÈÛÊÃÊ×ÇÉ×ÂÍÎ×ÈÔÛÈÓÉØ×ÆÍÈ×ØÈÍ ÌÊÍÆÓØÓÎÕÛÆÓÛÈÓÍÎÍÊÛ×ÊÍÉÌÛÙ×É×ÊÆÓÙ×ÉÍÊÈÍÏÛÎÇÖÛÙÈÇÊÓÎÕÛÉÉ×ÏÚÐÓÎÕÍÊ ÖÛÚÊÓÙÛÈÓÎÕÛÆÓÛÈÓÍÎÍÊÛ×ÊÍÉÌÛÙ×ÌÊÍØÇÙÈÉËÇÛÐÓÖÓ×ÉÖÍÊÛÉÉ×ÉÉÏ×ÎÈÛÉÙÐÛÉÉ ÉÓÄÌÊÍÌ×ÊÈÃÛÉÌÊÍÆÓØ×ØÛÎØÉÇÚÒ×ÙÈÈÍÈÔ×È×ÊÏÉÛÎØÙÍÎØÓÈÓÍÎÉÌÊ×ÉÙÊÓÚ×Ø ÚÃÉ×ÙÈÓÍÎÉ ÛÎØ øùèÍËÇÛÐÓÖÃÖÍÊÛÈÛÄÓÎÙ×ÎÈÓÆ×Ø×ÉÙÊÓÚ×ØÓÎÉÇÚÉ×ÙÈÓÍÎûÍÊùú ÍÖÈÔÓÉÉ×ÙÈÓÍÎÈÔ×ÈÛÄÌÛÃ×ÊÉÔÛÐÐÌÊÍÆÓØ×ÈÍÈÔ×ÛÇÈÔÍÊÓÈÃÓÎÖÍÊÏÛÈÓÍÎ Ê×ÐÛÈÓÎÕÈÍÈÔ×ÛÏÍÇÎÈÍÖÈÛÄÚ×Î×ÖÓÈÉÈÔ×ÈÛÄÌÛÃ×ÊÊ×Ù×ÓÆ×É×ÛÙÔÃ×ÛÊÖÍÊ ×ÛÙÔÃ×ÛÊÓÎÅÔÓÙÔÈÔ×ÈÛÄÌÛÃ×ÊÙÐÛÓÏÉÈÔ×ÓÎÙ×ÎÈÓÆ×ÉÍÎÖÍÊÏÉÌÊ×ÉÙÊÓÚ×ØÚÃ ÈÔ×ÛÇÈÔÍÊÓÈÃóÖÈÔ×ÈÛÄÌÛÃ×ÊÖÛÓÐÉÈÍÌÊÍÆÓØ×ÈÔ×Ê×ËÇÓÊ×ØÓÎÖÍÊÏÛÈÓÍÎ ÈÔ×ÛÇÈÔÍÊÓÈÃÉÔÛÐÐÓÏÏ×ØÓÛÈ×ÐÃÊ×ÆÍÑ×ÈÔ×ÈÛÄÌÛÃ×ÊÉÙ×ÊÈÓÖÓÙÛÈÓÍÎÍÖ ×ÐÓÕÓÚÓÐÓÈÃÛÎØÎÍÈÓÖÃÈÔ×Ø×ÌÛÊÈÏ×ÎÈÍÖÊ×Æ×ÎÇ× ÷øèÛÄÌÛÃ×ÊÉÅÔÍËÇÛÐÓÖÃÖÍÊÈÛÄÓÎÙ×ÎÈÓÆ×ÉÇÎØ×ÊÉÇÚÉ×ÙÈÓÍÎûíê úÍÊùÍÖÈÔÓÉÉ×ÙÈÓÍÎÉÔÛÐÐÚ×Ù×ÊÈÓÖÓ×ØÚÃÈÔ×ÛÇÈÔÍÊÓÈÃÛÉ×ÐÓÕÓÚÐ×ÖÍÊÛ ÖÓÆ×Ã×ÛÊÌ×ÊÓÍØÉÇÚÒ×ÙÈÈÍÈ×ÊÏÓÎÛÈÓÍÎÓÎÈÔ××Æ×ÎÈÍÖÙÔÛÎÕ×Ø ÙÓÊÙÇÏÉÈÛÎÙ×ÉÊ×ÎØ×ÊÓÎÕÈÔ×ÈÛÄÌÛÃ×ÊÎÍÐÍÎÕ×Ê×ÐÓÕÓÚÐ× ö÷îÍÈÅÓÈÔÉÈÛÎØÓÎÕÉÇÚÉ×ÙÈÓÍÎùúÍÖÈÔÓÉÉ×ÙÈÓÍÎÛÎÓÎÉÇÊ×Ê ÐÍÙÛÈ×ØÓÎÛÏÓÐÓÈÛÊÃÊ×ÇÉ×ÂÍÎ×ÓÉ×ÐÓÕÓÚÐ×ÖÍÊÛÌÊ×ÏÓÇÏÈÛÄÙÊ×ØÓÈÇÎØ×Ê É×ÙÈÓÍÎ ÖÍÊÎ×ÈÓÎÙÊ×ÛÉ×ÉÓÎ×ÏÌÐÍÃÏ×ÎÈÌÍÉÓÈÓÍÎÉÍÖÊ×ÉÓØ×ÎÈÉÍÖ ÈÔÓÉÉÈÛÈ×èÍËÇÛÐÓÖÃÖÍÊÛÌÊ×ÏÓÇÏÈÛÄÙÊ×ØÓÈÈÔ×ÓÎÉÇÊ×ÊÉÔÛÐÐ ûÕÊ××ÅÓÈÔÈÔ×ÛÇÈÔÍÊÓÈÃÓÎÅÊÓÈÓÎÕÈÍÖÇÊÎÓÉÔÓÎÖÍÊÏÛÈÓÍÎÊ×ÐÛÈÓÎÕ ÈÍÈÔ×ÛÏÍÇÎÈÍÖÌÊ×ÏÓÇÏÈÛÄÙÊ×ØÓÈÉÈÔ×ÓÎÉÇÊ×ÊÊ×Ù×ÓÆ×É×ÛÙÔÃ×ÛÊóÖÈÔ× ÓÎÉÇÊ×ÊÖÛÓÐÉÈÍÌÊÍÆÓØ×ÈÔ×Ê×ËÇÓÊ×ØÓÎÖÍÊÏÛÈÓÍÎÈÔ×ÛÇÈÔÍÊÓÈÃÉÔÛÐÐ ÓÏÏ×ØÓÛÈ×ÐÃÊ×ÆÍÑ×ÈÔ×ÓÎÉÇÊ×ÊÉËÇÛÐÓÖÓÙÛÈÓÍÎÛÎØÎÍÈÓÖÃÈÔ×Ø×ÌÛÊÈÏ×ÎÈÍÖ ÓÎÉÇÊÛÎÙ× ÷ÎÈ×ÊÓÎÈÍÛÏ×ÏÍÊÛÎØÇÏÍÖÇÎØ×ÊÉÈÛÎØÓÎÕÅÓÈÔÈÔÓÉÉÈÛÈ×ÈÔÊÍÇÕÔ ÈÔ×ÛÇÈÔÍÊÓÈÃÙÍÎÈÛÓÎÓÎÕ×ÏÌÐÍÃÏ×ÎÈÕÍÛÐÉ÷ÛÙÔÃ×ÛÊÈÔ×ÓÎÉÇÊ×ÊÉÔÛÐÐ Ê×ÌÍÊÈÓÎÅÊÓÈÓÎÕÈÍÈÔ×ÛÇÈÔÍÊÓÈÃÓÈÉÌ×ÊÖÍÊÏÛÎÙ×ÓÎÛÙÔÓ×ÆÓÎÕÈÔ×ÕÍÛÐÉ èÔ×Ï×ÏÍÊÛÎØÇÏÉÔÛÐÐÙÍÎÈÛÓÎÌÊÍÆÓÉÓÍÎÉÈÔÛÈÛÐÐÍÅ ÛèÔ×ÛÇÈÔÍÊÓÈÃÈÍÉÈÍÌÊ×ÛØÒÇÉÈÍÊÊ×ÙÛÌÈÇÊ×ÛÐÐÍÊÌÛÊÈÍÖÈÔ× ÌÊ×ÏÓÇÏÈÛÄÙÊ×ØÓÈÉÌÊÍÆÓØ×ØÈÍÈÔ×ÓÎÉÇÊ×ÊÍÎÎÍÎÙÍÏÌÐÓÛÎÙ×ÅÓÈÔÈÔ×È×ÊÏÉ ÍÖÈÔ×Ï×ÏÍÊÛÎØÇÏ ÚèÔ×ÛÇÈÔÍÊÓÈÃÈÍÎÍÈÓÖÃÈÔ×Ø×ÌÛÊÈÏ×ÎÈÍÖÓÎÉÇÊÛÎÙ×ÍÖÈÔ× ÙÍÎØÓÈÓÍÎÉÍÖÎÍÎÙÍÏÌÐÓÛÎÙ× Study Session - March 13, 2013 - Page 43 of 125 ôú é×Ùé×ÙÈÓÍÎ ûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÓÉÛÏ×ÎØ×ØÈÍÊ×ÛØ ÷ÎÒÍÓÎÓÎÕØ×ÐÓÎËÇ×ÎÈÈÛÄÌÛÃ×ÊÖÊÍÏ×ÎÕÛÕÓÎÕÍÊ ÙÍÎÈÓÎÇÓÎÕÓÎÚÇÉÓÎ×ÉÉ ûóÎÍÊØ×ÊÈÍ×ÎÉÇÊ×ÍÊÈÍÙÍÏÌ×ÐÌÛÃÏ×ÎÈÍÖÈÛÄ×ÉÛÎØÈÍÛÓØÓÎ ×ÎÖÍÊÙÓÎÕÈÔÓÉÛÊÈÓÙÐ×ÈÔ×ØÓÊ×ÙÈÍÊÏÛÃÛÌÌÐÃÈÍÈÔ×ÈÛÄÙÍÇÊÈÈÍ×ÎÒÍÓÎÛÎÃ Ø×ÐÓÎËÇ×ÎÈÈÛÄÌÛÃ×ÊÍÊÌ×ÊÉÍÎÅÔÍÏÛÃÚ×ÍÊÏÛÃÚ×ÙÍÏ×ÐÓÛÚÐ×ÖÍÊÌÛÃÏ×ÎÈÍÖ ÛÎÃÈÛÄÖÊÍÏ×ÎÕÛÕÓÎÕÍÊÙÍÎÈÓÎÇÓÎÕÓÎÚÇÉÓÎ×ÉÉÇÎÈÓÐÈÔ×Ì×ÊÉÍÎÙ×ÛÉ×ÉÈÍÚ× ÛØ×ÐÓÎËÇ×ÎÈÈÛÄÌÛÃ×ÊÍÊÙÍÏÌÐÓ×ÉÅÓÈÔÍÈÔ×ÊÊ×ËÇÓÊ×Ï×ÎÈÉÅÔÓÙÔèôûèÛÊ× Ê×ÛÉÍÎÛÚÐÃÎ×Ù×ÉÉÛÊÃÈÍÌÊÍÈ×ÙÈÈÔ×Ê×Æ×ÎÇ×ÉÍÖÈÔÓÉÉÈÛÈ×ÛÎØÅÔÓÙÔèôûèÛÊ× ÌÊ×ÉÙÊÓÚ×ØÚÃÈÔ×ØÓÊ×ÙÈÍÊ úíÎÛÌÌÐÓÙÛÈÓÍÎÖÍÊÛÎÓÎÒÇÎÙÈÓÍÎÛÕÛÓÎÉÈÛØ×ÐÓÎËÇ×ÎÈÈÛÄÌÛÃ×ÊÈÔ× ÙÍÇÊÈÏÛÃÖÍÊÈÔÅÓÈÔÓÉÉÇ×ÛÎÍÊØ×ÊÈ×ÏÌÍÊÛÊÓÐÃÊ×ÉÈÊÛÓÎÓÎÕÈÔ×ÈÛÄÌÛÃ×ÊÖÊÍÏ ØÍÓÎÕÚÇÉÓÎ×ÉÉèÔ×ÙÍÇÊÈÉÔÛÐÐÔ×ÛÊÈÔ×ÏÛÈÈ×ÊÅÓÈÔÓÎÈÔÊ××ØÛÃÉÛÎØÍÎÛ ÉÔÍÅÓÎÕÚÃÛÌÊ×ÌÍÎØ×ÊÛÎÙ×ÍÖ×ÆÓØ×ÎÙ×ÈÔÛÈÈÔ×ÈÛÄÌÛÃ×ÊÓÉØ×ÐÓÎËÇ×ÎÈÛÎØ ÔÛÉÚ××ÎÕÓÆ×ÎÎÍÈÓÙ×ÍÖÈÔ×Ô×ÛÊÓÎÕÛÉÊ×ËÇÓÊ×ØÚÃÐÛÅÈÔ×ÙÍÇÊÈÏÛÃ×ÎÒÍÓÎ ÈÔ×ÈÛÄÌÛÃ×ÊÖÊÍÏ×ÎÕÛÕÓÎÕÍÊÙÍÎÈÓÎÇÓÎÕÓÎÚÇÉÓÎ×ÉÉÓÎÈÔÓÉÉÈÛÈ×ÇÎÈÓÐÈÔ× ÈÛÄÌÛÃ×ÊÙ×ÛÉ×ÉÈÍÚ×Ø×ÐÓÎËÇ×ÎÈíÎÓÉÉÇÓÎÕÛÎÓÎÒÇÎÙÈÓÍÎÈÔ×ÙÍÇÊÈÏÛÃ ÛÐÉÍÍÊØ×ÊÈÔ×ÉÔ×ÊÓÖÖÈÍÉ×ÛÐÈÔ×ÈÛÄÌÛÃ×ÊÉÚÇÉÓÎ×ÉÉÌÊ×ÏÓÉ×ÉÛÎØÏÛÃÛÐÐÍÅ ÈÔ×ÈÛÄÌÛÃ×ÊÛÙÙ×ÉÉÈÍÈÔ×ÌÊ×ÏÓÉ×ÉÍÎÐÃÍÎÈÔ×ÛÌÌÊÍÆÛÐÍÖÈÔ×ÙÍÇÊÈ ùíÎÛÌÌÐÓÙÛÈÓÍÎÖÍÊÛÎÓÎÒÇÎÙÈÓÍÎÛÕÛÓÎÉÈÛÌ×ÊÉÍÎÍÈÔ×ÊÈÔÛÎÛ Ø×ÐÓÎËÇ×ÎÈÈÛÄÌÛÃ×ÊÈÔ×ÙÍÇÊÈÏÛÃÓÉÉÇ×ÛÎÍÊØ×ÊÈ×ÏÌÍÊÛÊÓÐÃÊ×ÉÈÊÛÓÎÓÎÕÈÔ× Ì×ÊÉÍÎÖÊÍÏ×ÎÕÛÕÓÎÕÍÊÙÍÎÈÓÎÇÓÎÕÓÎÚÇÉÓÎ×ÉÉèÔ×ÙÍÇÊÈÉÔÛÐÐÔ×ÛÊÈÔ× ÏÛÈÈ×ÊÅÓÈÔÓÎÈÔÊ××ØÛÃÉÛÎØÍÎÛÉÔÍÅÓÎÕÈÔÛÈÈÔ×Ì×ÊÉÍÎÔÛÉÚ××ÎÕÓÆ×Î ÎÍÈÓÙ×ÍÖÈÔ×Ô×ÛÊÓÎÕÛÉÊ×ËÇÓÊ×ØÚÃÐÛÅÈÔÛÈØ×ÏÛÎØÔÛÉÚ××ÎÏÛØ×ÍÎÈÔ× ÈÛÄÌÛÃ×ÊÈÍÖÇÊÎÓÉÔÉ×ÙÇÊÓÈÃÈÔÛÈÈÔ×ÈÛÄÌÛÃ×ÊÔÛÉÎÍÈÖÇÊÎÓÉÔ×ØÉ×ÙÇÊÓÈÃ ÛÎØÈÔÛÈÈÔ×ØÓÊ×ÙÈÍÊÙÍÎÉÓØ×ÊÉÈÔ×ÙÍÐÐ×ÙÈÓÍÎÖÊÍÏÈÔ×ÌÊÓÏÛÊÓÐÃÊ×ÉÌÍÎÉÓÚÐ× Ì×ÊÉÍÎÍÖÈÔ×ÈÍÈÛÐÛÏÍÇÎÈÍÖÈÛÄØÇ×ÍÊÊ×ÛÉÍÎÛÚÐÃ×ÄÌ×ÙÈ×ØÈÍÚ×ÙÍÏ×ØÇ×ÈÍ Ú×ÓÎÒ×ÍÌÛÊØÃÈÔ×ÙÍÇÊÈÏÛÃÖÍÊÈÔÅÓÈÔ×ÎÒÍÓÎÈÔ×Ì×ÊÉÍÎÖÊÍÏ×ÎÕÛÕÓÎÕÍÊ ÙÍÎÈÓÎÇÓÎÕÓÎÚÇÉÓÎ×ÉÉÇÎÈÓÐÈÔ×Ì×ÊÉÍÎÙÍÏÌÐÓ×ÉÓÎÖÇÐÐÅÓÈÔÈÔ×Ø×ÏÛÎØÍÖ ÈÔ×ØÓÊ×ÙÈÍÊÖÍÊÖÇÊÎÓÉÔÓÎÕÉ×ÙÇÊÓÈÃ øèÔ×ÙÍÇÊÈÉÔÛÐÐÎÍÈÓÉÉÇ×ÛÈ×ÏÌÍÊÛÊÃÊ×ÉÈÊÛÓÎÓÎÕÍÊØ×ÊÍÊ ÓÎÒÇÎÙÈÓÍÎÇÎØ×ÊÈÔÓÉÉ×ÙÈÓÍÎÛÕÛÓÎÉÈÛÎÃÌ×ÊÉÍÎÅÔÍÔÛÉÖÇÊÎÓÉÔ×ØÉ×ÙÇÊÓÈÃ ÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ íê ÍÊ íÎÛÉÔÍÅÓÎÕÈÍÈÔ× ÙÍÇÊÈÚÃÛÎÃÌ×ÊÉÍÎÛÕÛÓÎÉÈÅÔÍÏÛÈ×ÏÌÍÊÛÊÃÊ×ÉÈÊÛÓÎÓÎÕÍÊØ×ÊÍÊÓÎÒÇÎÙÈÓÍÎ ÔÛÉÓÉÉÇ×ØÇÎØ×ÊÈÔÓÉÉ×ÙÈÓÍÎÈÔÛÈÈÔ×Ì×ÊÉÍÎÔÛÉÖÇÊÎÓÉÔ×ØÉÇÙÔÉ×ÙÇÊÓÈÃ ÈÔ×ÙÍÇÊÈÉÔÛÐÐØÓÉÉÍÐÆ×ÍÊÉ×ÈÛÉÓØ×ÈÔ×È×ÏÌÍÊÛÊÃÊ×ÉÈÊÛÓÎÓÎÕÍÊØ×ÊÍÊ ÓÎÒÇÎÙÈÓÍÎ é×Ùé×ÙÈÓÍÎ ûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÓÉÛÏ×ÎØ×ØÈÍÊ×ÛØ ø×ÖÓÎÓÈÓÍÎÉ óÎÈÔÓÉÛÊÈÓÙÐ×ÛÎØÛÊÈÓÙÐ× ÍÖÈÔÓÉÙÔÛÌÈ×ÊÇÎÐ×ÉÉÈÔ×ÙÍÎÈ×ÄÈ ÍÈÔ×ÊÅÓÉ×Ê×ËÇÓÊ×É úÇÉÓÎ×ÉÉÓÎÙÐÇØ×ÉÛÐÐÛÙÈÓÆÓÈÓ×ÉÍÊÛÙÈÉÌ×ÊÉÍÎÛÐÍÊÙÍÊÌÍÊÛÈ× ×ÎÕÛÕ×ØÓÎÍÊÙÛÇÉ×ØÈÍÚ××ÎÕÛÕ×ØÓÎÅÓÈÔÈÔ×ÍÚÒ×ÙÈÍÖÕÛÓÎÚ×Î×ÖÓÈÍÊ ÛØÆÛÎÈÛÕ××ÓÈÔ×ÊØÓÊ×ÙÈÐÃÍÊÓÎØÓÊ×ÙÈÐÃÚÇÈØÍ×ÉÎÍÈÓÎÙÐÇØ××ÓÈÔ×Ê Study Session - March 13, 2013 - Page 44 of 125 ôú ÛùÛÉÇÛÐÛÙÈÓÆÓÈÓ×ÉÍÊÉÛÐ×É ÚèÔ×ÈÊÛÎÉÖ×ÊÍÖ×Ð×ÙÈÊÓÙÓÈÃÖÊÍÏÛÉÍÐÛÊÌÔÍÈÍÆÍÐÈÛÓÙÕ×Î×ÊÛÈÓÍÎ ÉÃÉÈ×ÏÈÍÛÎ×Ð×ÙÈÊÓÙÇÈÓÐÓÈÃØÓÉÈÊÓÚÇÈÓÍÎÉÃÉÈ×Ï ùíîèêûùèóîõï÷ûîé÷îõûõóîõóîúçéóî÷ééûéûùíîèêûùèíê ùíîèêûùèíêóééãîíîãïíçéåóèôèô÷è÷êïúçóðø÷êûîøï÷ûîéûîã ì÷êéíîíêíêõûîóâûèóíîèôûèçîø÷êèûñ÷éèííêíöö÷êéèíçîø÷êèûñ÷èííê ìçêìíêèéèíôûæ÷èô÷ùûìûùóèãèíçîø÷êèûñ÷èííêéçúïóèéûúóøèííêøí÷é ì÷êéíîûððãíêúãíêèôêíçõôíèô÷êéïíøóöãûîãúçóðøóîõôóõôåûãêíûø êûóðêíûø÷äùûæûèóíîïûîçöûùèçê÷øúçóðøóîõíêíèô÷êéèêçùèçê÷ìêíò÷ùè ø÷æ÷ðíìï÷îèíêóïìêíæ÷ï÷îèíêèíøíûîãìûêèíöéçùôûìêíò÷ùèóîùðçøóîõ èô÷÷ê÷ùèóíîíöéùûööíðøóîõíêíèô÷êéèêçùèçê÷íêåíêñéóîùíîî÷ùèóíîåóèô éçùôûìêíò÷ùèûîøóîùðçø÷ééçúùíîèêûùèíêéûîøéì÷ùóûðèãùíîèêûùèíêéöíê ûððìçêìíé÷éíöèûäûèóíîíêø÷øçùèóíîèôóéø÷öóîóèóíîõíæ÷êîéåóèôíçèê÷õûêø èíåô÷èô÷êíêîíèèô÷ùíîèêûùèíêóéûùèóîõóîöçðöóððï÷îèíöûùíîèêûùè øÓÉÈÊÓÚÇÈÓÍÎÚÛÉ×Ï×ÛÎÉÈÔ×ÌÍÊÈÓÍÎÍÖÈÔ×Ê×Æ×ÎÇ×ÉØ×ÊÓÆ×Ø ÖÊÍÏÈÔ×ÈÛÄÐ×ÆÓ×ØÚÃÈÔÓÉÛÊÈÓÙÐ×ÛÎØÛÊÈÓÙÐ×ÉÛÎØÍÖÈÔÓÉÙÔÛÌÈ×Ê Ø×ÉÓÕÎÛÈ×ØÖÍÊØÓÉÈÊÓÚÇÈÓÍÎÈÍÙÍÇÎÈÓ×ÉÏÇÎÓÙÓÌÛÐÓÈÓ×ÉÛÎØÍÈÔ×ÊÌÇÊÌÍÉ×É ÛÙÙÍÊØÓÎÕÈÍÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎø ÷ÎÕÛÕÓÎÕÅÔ×ÎÇÉ×ØÅÓÈÔÊ×Ö×Ê×ÎÙ×ÈÍ×ÎÕÛÕÓÎÕÍÊÙÍÎÈÓÎÇÓÎÕ ÓÎÚÇÉÓÎ×ÉÉÓÎÙÐÇØ×ÉÈÔ××Ä×ÊÙÓÉ×ÍÖÙÍÊÌÍÊÛÈ×ÍÊÖÊÛÎÙÔÓÉ×ÌÍÅ×ÊÉ õÊÍÉÉÓÎÙÍÏ×Ï×ÛÎÉÈÔ×ÕÊÍÉÉÊ×Ù×ÓÌÈÉÍÖÛÈÛÄÌÛÃ×ÊØ×ÊÓÆ×Ø ÖÊÍÏÈÊÛØ×ÚÇÉÓÎ×ÉÉÙÍÏÏ×ÊÙ×ÍÊÉÛÐ×ÉÛÎØÈÔ×ÆÛÐÇ×ÌÊÍÙ××ØÓÎÕÍÊÛÙÙÊÇÓÎÕ ÖÊÍÏÈÔ×ÉÛÐ×ÍÖÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÍÊÉ×ÊÆÓÙ×ÍÊÚÍÈÔÛÎØÅÓÈÔÍÇÈ ÛÎÃØ×ØÇÙÈÓÍÎÍÎÛÙÙÍÇÎÈÍÖÐÍÉÉ×É õÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÏ×ÛÎÉÈÔ×ÆÛÐÇ×ÌÊÍÙ××ØÓÎÕÍÊ ÛÙÙÊÇÓÎÕÖÊÍÏÈÔ×ÉÛÐ×ÍÖÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÅÓÈÔÍÇÈÛÎÃØ×ØÇÙÈÓÍÎÍÎ ÛÙÙÍÇÎÈÍÖÈÔ×ÙÍÉÈÍÖÌÊÍÌ×ÊÈÃÉÍÐØ×ÄÌ×ÎÉ×ÍÖÛÎÃÑÓÎØÍÊÐÍÉÉ×ÉÚÇÈÙÛÉÔ ØÓÉÙÍÇÎÈÉÛÐÐÍÅ×ØÛÎØÈÛÑ×ÎÍÎÉÛÐ×ÉÛÊ×ÎÍÈÓÎÙÐÇØ×ØÛÉÕÊÍÉÉÓÎÙÍÏ× õÊÍÉÉÓÎÙÍÏ×ÛÎØÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉØÍÎÍÈÓÎÙÐÇØ× ÕÍÍØÉÅÛÊ×ÉÍÊÏ×ÊÙÔÛÎØÓÉ×ÍÊÆÛÐÇ×ÈÔ×Ê×ÍÖÊ×ÈÇÊÎ×ØÚÃÙÇÉÈÍÏ×ÊÉÓÖÈÔ× ÉÛÐ×ÌÊÓÙ×ÓÉÊ×ÖÇÎØ×Ø×ÓÈÔ×ÊÓÎÙÛÉÔÍÊÚÃÙÊ×ØÓÈÎÍÊÈÔ×ÆÛÐÇ×ÍÖ Ï×ÊÙÔÛÎØÓÉ×ÈÊÛØ×ØÓÎÍÎÈÔ×ÌÇÊÙÔÛÉ×ÍÖÎ×ÅÏ×ÊÙÔÛÎØÓÉ×ÅÔ×ÎÈÔ×ÈÊÛØ×ÓÎ ÛÐÐÍÅÛÎÙ×ÓÉØ×ØÇÙÈ×ØÖÊÍÏÈÔ×ÉÛÐ×ÉÌÊÓÙ×ÍÖÈÔ×Î×ÅÏ×ÊÙÔÛÎØÓÉ×Ú×ÖÍÊ× ÙÍÏÌÐ×ÈÓÍÎÍÖÈÔ×ÉÛÐ× õÊÍÉÉÊ×Ù×ÓÌÈÉÏ×ÛÎÉÈÔ×ÈÍÈÛÐÛÏÍÇÎÈÍÖÈÔ×ÉÛÐ×Ð×ÛÉ×ÍÊ Ê×ÎÈÛÐÌÊÓÙ×ÛÉÈÔ×ÙÛÉ×ÏÛÃÚ×ÍÖÈÔ×Ê×ÈÛÓÐÉÛÐ×ÉÍÖÊ×ÈÛÓÐ×ÊÉÓÎÙÐÇØÓÎÕ ÛÎÃÉ×ÊÆÓÙ×ÉÈÔÛÈÛÊ×ÛÌÛÊÈÍÖÈÔ×ÉÛÐ×ÉÆÛÐÇ×ØÓÎÏÍÎ×ÃÅÔ×ÈÔ×ÊÊ×Ù×ÓÆ×Ø ÓÎÏÍÎ×ÃÍÊÍÈÔ×ÊÅÓÉ×ÓÎÙÐÇØÓÎÕÛÐÐÊ×Ù×ÓÌÈÉÙÛÉÔÙÊ×ØÓÈÉÛÎØÌÊÍÌ×ÊÈÃÍÖ ×Æ×ÊÃÑÓÎØÍÊÎÛÈÇÊ×ÛÎØÛÎÃÛÏÍÇÎÈÖÍÊÅÔÓÙÔÙÊ×ØÓÈÓÉÛÐÐÍÅ×ØÚÃÈÔ× É×ÐÐ×ÊÈÍÈÔ×ÌÇÊÙÔÛÉ×ÊÅÓÈÔÍÇÈÛÎÃØ×ØÇÙÈÓÍÎÖÊÍÏÈÔ×ÛÏÍÇÎÈÍÎÛÙÙÍÇÎÈÍÖ ÈÔ×ÙÍÉÈÍÖÈÔ×ÌÊÍÌ×ÊÈÃÉÍÐØÏÛÈ×ÊÓÛÐÉÇÉ×ØÐÛÚÍÊÍÊÉ×ÊÆÓÙ×Ì×ÊÖÍÊÏ×Ø ÓÎÈ×Ê×ÉÈÌÛÓØÐÍÉÉ×ÉÍÊÛÎÃÍÈÔ×Ê×ÄÌ×ÎÉ×õÊÍÉÉÊ×Ù×ÓÌÈÉØÍÎÍÈÓÎÙÐÇØ× ÙÛÉÔØÓÉÙÍÇÎÈÉÛÐÐÍÅ×ØÛÎØÈÛÑ×ÎÎÍÊÈÔ×ÉÛÐ×ÌÊÓÙ×ÍÖÌÊÍÌ×ÊÈÃÊ×ÈÇÊÎ×ØÚÃ ÙÇÉÈÍÏ×ÊÉÓÖÈÔ×ÖÇÐÐÉÛÐ×ÌÊÓÙ×ÓÉÊ×ÖÇÎØ×Ø×ÓÈÔ×ÊÓÎÙÛÉÔÍÊÚÃÙÊ×ØÓÈ Study Session - March 13, 2013 - Page 45 of 125 ôú ì×ÊÉÍÎÍÊÙÍÏÌÛÎÃÓÎÙÐÇØ×ÉÛÎÓÎØÓÆÓØÇÛÐÖÓÊÏ ÌÛÊÈÎ×ÊÉÔÓÌÒÍÓÎÈÆ×ÎÈÇÊ×ÛÉÉÍÙÓÛÈÓÍÎÙÍÊÌÍÊÛÈÓÍÎ×ÉÈÛÈ×ÍÊÈÊÇÉÈÈÔÓÉ ÉÈÛÈ×ÛÎÃÙÍÇÎÈÃÙÓÈÃÈÍÅÎØÓÉÈÊÓÙÈÍÈÔ×ÊÈÔÛÎÛÉÙÔÍÍÐØÓÉÈÊÓÙÈÍÊ ÍÈÔ×ÊÌÍÐÓÈÓÙÛÐÉÇÚØÓÆÓÉÓÍÎÛÎØÛÎÃÍÈÔ×ÊÕÊÍÇÌÍÊÙÍÏÚÓÎÛÈÓÍÎÛÙÈÓÎÕÛÉÛ ÇÎÓÈÛÎØÈÔ×ÌÐÇÊÛÐÛÉÅ×ÐÐÛÉÈÔ×ÉÓÎÕÇÐÛÊÎÇÏÚ×Ê ëÇÛÐÓÖÃÓÎÕÙÍÏÏÇÎÓÈÃÔ×ÛÐÈÔÙ×ÎÈ×Ê Ûï×ÛÎÉÛÎ×ÎÈÓÈÃÈÔÛÈÓÉÊ×ÙÍÕÎÓÂ×ØÛÉÎÍÎÌÊÍÖÓÈÇÎØ×ÊÉ×ÙÈÓÍÎ Ù ÍÖÈÔ×çÎÓÈ×ØéÈÛÈ×ÉÓÎÈ×ÊÎÛÐÊ×Æ×ÎÇ×ÙÍØ×ÈÔÛÈÓÉÛ ÙÍÏÏÇÎÓÈÃÚÛÉ×ØÌÊÓÏÛÊÃÙÛÊ×ÙÐÓÎÓÙÈÔÛÈÔÛÉÛÙÍÏÏÇÎÓÈÃÚÛÉ×ØÚÍÛÊØÍÖ ØÓÊ×ÙÈÍÊÉÛÎØÈÔÛÈÓÉ×ÓÈÔ×Ê ÓèÔ×ÉÍÐ×ÌÊÍÆÓØ×ÊÍÖÌÊÓÏÛÊÃÙÛÊ×ÓÎÈÔ×ÙÍÏÏÇÎÓÈÃ ÓÓûÎÍÎÔÍÉÌÓÈÛÐÛÖÖÓÐÓÛÈ×ØÙÐÓÎÓÙÈÔÛÈÓÉÐÍÙÛÈ×ØÓÎÛÖ×Ø×ÊÛÐÐÃ Ø×ÉÓÕÎÛÈ×ØÏ×ØÓÙÛÐÐÃÇÎØ×ÊÉ×ÊÆ×ØÛÊ×ÛÓÎÈÔÓÉÉÈÛÈ× ÚóÎÙÐÇØ×ÉÙÐÓÎÓÙÉÈÔÛÈÛÊ×Ú×ÓÎÕÙÍÎÉÈÊÇÙÈ×ØÛÉËÇÛÐÓÖÃÓÎÕ ÙÍÏÏÇÎÓÈÃÔ×ÛÐÈÔÙ×ÎÈ×ÊÉ ëÇÛÐÓÖÃÓÎÕÔ×ÛÐÈÔÙÛÊ×ÍÊÕÛÎÓÂÛÈÓÍÎÏ×ÛÎÉÛÎ×ÎÈÓÈÃÈÔÛÈÓÉ Ê×ÙÍÕÎÓÂ×ØÛÉÎÍÎÌÊÍÖÓÈÇÎØ×ÊÉ×ÙÈÓÍÎ ÙÍÖÈÔ×çÎÓÈ×ØéÈÛÈ×ÉÓÎÈ×ÊÎÛÐ Ê×Æ×ÎÇ×ÙÍØ×ÛÎØÈÔÛÈÇÉ×ÉÉÛÆ×ÉÍÊÓÎÆ×ÉÈÉÛÈÐ×ÛÉÈ×ÓÕÔÈÃÌ×ÊÙ×ÎÈÍÖÛÐÐ ÏÍÎÓ×ÉÈÔÛÈÓÈÊ×Ù×ÓÆ×ÉÖÊÍÏÛÐÐÉÍÇÊÙ×É×ÛÙÔÃ×ÛÊÍÎÐÃÖÍÊÔ×ÛÐÈÔÛÎØ Ï×ØÓÙÛÐÊ×ÐÛÈ×Ø×ØÇÙÛÈÓÍÎÛÐÛÎØÙÔÛÊÓÈÛÚÐ×É×ÊÆÓÙ×ÉÛÉØÍÙÇÏ×ÎÈ×ØÚÃÛÎÎÇÛÐ ÖÓÎÛÎÙÓÛÐÛÇØÓÈÉÌÊ×ÌÛÊ×ØÚÃÛÎÓÎØ×Ì×ÎØ×ÎÈÙ×ÊÈÓÖÓ×ØÌÇÚÐÓÙÛÙÙÍÇÎÈÛÎÈ Ì×ÊÖÍÊÏ×ØÛÙÙÍÊØÓÎÕÈÍÕ×Î×ÊÛÐÐÃÛÙÙ×ÌÈ×ØÛÇØÓÈÓÎÕÉÈÛÎØÛÊØÉÛÎØÖÓÐ×Ø ÛÎÎÇÛÐÐÃÅÓÈÔÈÔ×Ø×ÌÛÊÈÏ×ÎÈïÍÎÓ×ÉÈÔÛÈÛÊ×ÇÉ×ØÉÛÆ×ØÍÊÓÎÆ×ÉÈ×ØÈÍ Ð×ÛÉ×ÌÇÊÙÔÛÉ×ÍÊÙÍÎÉÈÊÇÙÈÛÖÛÙÓÐÓÈÃÖÍÊÔ×ÛÐÈÔÛÎØÏ×ØÓÙÛÐÊ×ÐÛÈ×Ø ×ØÇÙÛÈÓÍÎÛÎØÙÔÛÊÓÈÛÚÐ×É×ÊÆÓÙ×ÉÛÊ×ÓÎÙÐÇØ×ØÓÎÈÔ××ÓÕÔÈÃÌ×ÊÙ×ÎÈ Ê×ËÇÓÊ×Ï×ÎÈ ëÇÛÐÓÖÃÓÎÕÔÍÉÌÓÈÛÐÏ×ÛÎÉÛÎÃÍÖÈÔ×ÖÍÐÐÍÅÓÎÕ ÛûÐÓÙ×ÎÉ×ØÔÍÉÌÓÈÛÐÅÔÓÙÔèôûèÓÉÍÊÕÛÎÓÂ×ØÛÎØÍÌ×ÊÛÈ×Ø ×ÄÙÐÇÉÓÆ×ÐÃÖÍÊÙÔÛÊÓÈÛÚÐ×ÌÇÊÌÍÉ×ÉÎÍÌÛÊÈÍÖÈÔ×Î×È×ÛÊÎÓÎÕÉÍÖÅÔÓÙÔ ÓÎÇÊ×ÉÈÍÈÔ×Ú×Î×ÖÓÈÍÖÛÎÃÌÊÓÆÛÈ×ÉÔÛÊ×ÔÍÐØ×ÊÍÊÓÎØÓÆÓØÇÛÐ ÚûÐÓÙ×ÎÉ×ØÎÇÊÉÓÎÕÙÛÊ×ÓÎÉÈÓÈÇÈÓÍÎÍÊÛÐÓÙ×ÎÉ×ØÊ×ÉÓØ×ÎÈÓÛÐÙÛÊ× ÓÎÉÈÓÈÇÈÓÍÎÍÊÛÊ×ÉÓØ×ÎÈÓÛÐÙÛÊ×ÖÛÙÓÐÓÈÃÍÌ×ÊÛÈ×ØÓÎÙÍÎÒÇÎÙÈÓÍÎÅÓÈÔÛ ÐÓÙ×ÎÉ×ØÎÇÊÉÓÎÕÙÛÊ×ÓÎÉÈÓÈÇÈÓÍÎÍÊÛÐÓÙ×ÎÉ×ØÑÓØÎ×ÃØÓÛÐÃÉÓÉÙ×ÎÈ×ÊÅÔÓÙÔ ÌÊÍÆÓØ×ÉÏ×ØÓÙÛÐÉ×ÊÆÓÙ×ÉÎÇÊÉÓÎÕÉ×ÊÆÓÙ×ÉÍÊÔ×ÛÐÈÔÊ×ÐÛÈ×ØÉ×ÊÆÓÙ×ÉÛÎØÓÉ ÎÍÈÇÉ×ØÍÊÔ×ÐØÖÍÊÌÊÍÖÓÈ ÙûÔÍÉÌÓÈÛÐÎÇÊÉÓÎÕÙÛÊ×ÓÎÉÈÓÈÇÈÓÍÎÍÊÊ×ÉÓØ×ÎÈÓÛÐÙÛÊ× ÓÎÉÈÓÈÇÈÓÍÎÅÔÓÙÔèôûèÓÉÍÌ×ÊÛÈ×ØÚÃÈÔ×Ö×Ø×ÊÛÐÕÍÆ×ÊÎÏ×ÎÈÈÔÓÉÉÈÛÈ×ÍÊÛ ÌÍÐÓÈÓÙÛÐÉÇÚØÓÆÓÉÓÍÎÍÖÈÔÓÉÉÈÛÈ× ØûÖÛÙÓÐÓÈÃÈÔÛÈÓÉÇÎØ×ÊÙÍÎÉÈÊÇÙÈÓÍÎÛÎØÈÔÛÈÍÎÙÍÏÌÐ×ÈÓÍÎÅÓÐÐ Ú×ÛÖÛÙÓÐÓÈÃÇÎØ×ÊÉÇÚØÓÆÓÉÓÍÎÛÚÍÊÙÍÖÈÔÓÉÌÛÊÛÕÊÛÌÔ ê×ÈÛÓÐ×ÊÓÎÙÐÇØ×É×Æ×ÊÃÌ×ÊÉÍÎ×ÎÕÛÕ×ØÓÎÈÔ×ÚÇÉÓÎ×ÉÉ ÙÐÛÉÉÓÖÓ×ØÇÎØ×ÊÈÔ×Ê×ÈÛÓÐÙÐÛÉÉÓÖÓÙÛÈÓÍÎÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ ÛÎØ ÅÔ×ÎÓÎÈÔ×ÍÌÓÎÓÍÎÍÖÈÔ×Ø×ÌÛÊÈÏ×ÎÈÓÈÓÉÎ×Ù×ÉÉÛÊÃÖÍÊÈÔ××ÖÖÓÙÓ×ÎÈ ÛØÏÓÎÓÉÈÊÛÈÓÍÎÍÖÈÔÓÉÛÊÈÓÙÐ×ÓÎÙÐÇØ×ÉØ×ÛÐ×ÊÉØÓÉÈÊÓÚÇÈÍÊÉÉÇÌ×ÊÆÓÉÍÊÉ ×ÏÌÐÍÃ×ÊÉÛÎØÉÛÐ×ÉÏ×ÎÊ×ÌÊ×É×ÎÈÛÈÓÆ×ÉÌ×ØØÐ×ÊÉÍÊÙÛÎÆÛÉÉ×ÊÉÛÉÈÔ×ÛÕ×ÎÈÉ Study Session - March 13, 2013 - Page 46 of 125 ôú ÍÖÈÔ×Ø×ÛÐ×ÊÉØÓÉÈÊÓÚÇÈÍÊÉÉÇÌ×ÊÆÓÉÍÊÉÍÊ×ÏÌÐÍÃ×ÊÉÇÎØ×ÊÅÔÍÏÈÔ×Ã ÍÌ×ÊÛÈ×ÍÊÖÊÍÏÅÔÍÏÈÔ×ÃÍÚÈÛÓÎÈÔ×ÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÉÍÐØÚÃÈÔ×Ï ÅÔ×ÈÔ×ÊÓÎÏÛÑÓÎÕÉÛÐ×ÉÍÎÈÔ×ÓÊÍÅÎÚ×ÔÛÐÖÍÊÍÎÚ×ÔÛÐÖÍÖÈÔ×Ø×ÛÐ×ÊÉ ØÓÉÈÊÓÚÇÈÍÊÉÉÇÌ×ÊÆÓÉÍÊÉÍÊ×ÏÌÐÍÃ×ÊÉ éÛÐ×Ï×ÛÎÉÛÎÃÈÊÛÎÉÖ×ÊÍÖÈÓÈÐ×ÍÊÌÍÉÉ×ÉÉÓÍÎÍÊÚÍÈÔ ×ÄÙÔÛÎÕ×ÚÛÊÈ×ÊÐ×ÛÉ×ÍÊÊ×ÎÈÛÐÙÍÎØÓÈÓÍÎÛÐÍÊÍÈÔ×ÊÅÓÉ×ÓÎÛÎÃÏÛÎÎ×ÊÍÊ ÚÃÛÎÃÏ×ÛÎÉÅÔÛÈ×Æ×ÊÓÎÙÐÇØÓÎÕÙÍÎÉÓÕÎÏ×ÎÈÈÊÛÎÉÛÙÈÓÍÎÉÛÎØÛÇÙÈÓÍÎÉÍÖ ÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÍÊÍÈÔ×ÊÛÙÈÓÆÓÈÓ×ÉÈÛÄÛÚÐ×ÇÎØ×ÊÈÔÓÉÙÔÛÌÈ×Ê ÖÍÊÛÙÍÎÉÓØ×ÊÛÈÓÍÎÛÎØÓÎÙÐÇØ×É ÛûÎÃÈÊÛÎÉÛÙÈÓÍÎÚÃÅÔÓÙÔÈÔ×ÌÍÉÉ×ÉÉÓÍÎÍÖÌÊÍÌ×ÊÈÃÓÉÈÊÛÎÉÖ×ÊÊ×Ø ÚÇÈÈÔ×É×ÐÐ×ÊÊ×ÈÛÓÎÉÈÔ×ÈÓÈÐ×ÛÉÉ×ÙÇÊÓÈÃÖÍÊÈÔ×ÌÛÃÏ×ÎÈÍÖÈÔ×ÌÊÓÙ× ÚöÛÚÊÓÙÛÈÓÎÕÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÖÍÊÙÍÎÉÇÏ×ÊÉÅÔÍÖÇÊÎÓÉÔ ×ÓÈÔ×ÊØÓÊ×ÙÈÐÃÍÊÓÎØÓÊ×ÙÈÐÃÈÔ×ÏÛÈ×ÊÓÛÐÉÇÉ×ØÓÎÈÔ×ÖÛÚÊÓÙÛÈÓÍÎÅÍÊÑ ÙöÇÊÎÓÉÔÓÎÕÌÊ×ÌÛÊÓÎÕÍÊÉ×ÊÆÓÎÕÖÍÊÛÙÍÎÉÓØ×ÊÛÈÓÍÎÛÎÃÈÛÎÕÓÚÐ× Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÙÍÎÉÇÏ×ØÍÎÈÔ×ÌÊ×ÏÓÉ×ÉÍÖÈÔ×Ì×ÊÉÍÎÖÇÊÎÓÉÔÓÎÕ ÌÊ×ÌÛÊÓÎÕÍÊÉ×ÊÆÓÎÕÈÔ×ÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃ éÍÐÛÊØÛÃÐÓÕÔÈÓÎÕÏ×ÛÎÉÛØ×ÆÓÙ×ÈÔÛÈÓÉÉÌ×ÙÓÖÓÙÛÐÐÃ Ø×ÉÓÕÎ×ØÈÍÙÛÌÈÇÊ×ÛÎØÊ×ØÓÊ×ÙÈÈÔ×ÆÓÉÓÚÐ×ÌÍÊÈÓÍÎÍÖÈÔ×ÉÍÐÛÊÚ×ÛÏÅÔÓÐ× ÙÍÎÈÊÍÐÐÓÎÕÈÔ×ÓÎÖÊÛÊ×ØÌÍÊÈÓÍÎÖÍÊÇÉ×ÓÎÓÐÐÇÏÓÎÛÈÓÎÕÓÎÈ×ÊÓÍÊÚÇÓÐØÓÎÕ ÉÌÛÙ×ÉÓÎÐÓ×ÇÍÖÛÊÈÓÖÓÙÓÛÐÐÓÕÔÈÓÎÕ éÍÐÛÊ×Î×ÊÕÃØ×ÆÓÙ×Ï×ÛÎÉÛÉÃÉÈ×ÏÍÊÉ×ÊÓ×ÉÍÖÏ×ÙÔÛÎÓÉÏÉ Ø×ÉÓÕÎ×ØÌÊÓÏÛÊÓÐÃÈÍÌÊÍÆÓØ×Ô×ÛÈÓÎÕÈÍÌÊÍÆÓØ×ÙÍÍÐÓÎÕÈÍÌÊÍØÇÙ× ×Ð×ÙÈÊÓÙÛÐÌÍÅ×ÊÈÍÌÊÍØÇÙ×Ï×ÙÔÛÎÓÙÛÐÌÍÅ×ÊÈÍÌÊÍÆÓØ×ÉÍÐÛÊØÛÃÐÓÕÔÈÓÎÕ ÍÊÈÍÌÊÍÆÓØ×ÛÎÃÙÍÏÚÓÎÛÈÓÍÎÍÖÈÔ×ÖÍÊ×ÕÍÓÎÕÚÃÏ×ÛÎÉÍÖÙÍÐÐ×ÙÈÓÎÕÛÎØ ÈÊÛÎÉÖ×ÊÊÓÎÕÉÍÐÛÊÕ×Î×ÊÛÈ×Ø×Î×ÊÕÃÓÎÈÍÉÇÙÔÇÉ×É×ÓÈÔ×ÊÚÃÛÙÈÓÆ×ÍÊ ÌÛÉÉÓÆ×Ï×ÛÎÉÓÎÙÐÇØÓÎÕÅÓÎØÕ×Î×ÊÛÈÍÊÉÃÉÈ×ÏÉÈÔÛÈÌÊÍØÇÙ××Ð×ÙÈÊÓÙÓÈÃ éÍÐÛÊ×Î×ÊÕÃÉÃÉÈ×ÏÉÏÛÃÛÐÉÍÔÛÆ×ÈÔ×ÙÛÌÛÚÓÐÓÈÃÍÖÉÈÍÊÓÎÕÉÍÐÛÊ×Î×ÊÕÃÖÍÊ ÖÇÈÇÊ×ÇÉ×ìÛÉÉÓÆ×ÉÃÉÈ×ÏÉÉÔÛÐÐÙÐ×ÛÊÐÃÚ×Ø×ÉÓÕÎ×ØÛÉÛÉÍÐÛÊ×Î×ÊÕÃ Ø×ÆÓÙ×ÉÇÙÔÛÉÛÈÊÍÏÚ×ÅÛÐÐÛÎØÎÍÈÏ×Ê×ÐÃÛÉÛÌÛÊÈÍÖÛÎÍÊÏÛÐ ÉÈÊÇÙÈÇÊ×ÉÇÙÔÛÉÛÅÓÎØÍÅ èÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÏ×ÛÎÉÌ×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÅÔÓÙÔ èôûèÏÛÃÚ×É××ÎÅ×ÓÕÔ×ØÏ×ÛÉÇÊ×ØÖ×ÐÈÍÊÈÍÇÙÔ×ØÍÊèôûèÓÉÓÎÛÎÃÍÈÔ×Ê ÏÛÎÎ×ÊÌ×ÊÙ×ÌÈÓÚÐ×ÈÍÈÔ×É×ÎÉ×É èÛÄÃ×ÛÊÍÊÈÛÄÛÚÐ×Ã×ÛÊÏ×ÛÎÉ×ÓÈÔ×ÊÈÔ×ÙÛÐ×ÎØÛÊÃ×ÛÊÍÊ ÈÔ×ÈÛÄÌÛÃ×ÊÉÖÓÉÙÛÐÃ×ÛÊÓÖÌ×ÊÏÓÉÉÓÍÎÓÉÍÚÈÛÓÎ×ØÖÊÍÏÈÔ×Ø×ÌÛÊÈÏ×ÎÈÈÍ ÇÉ×ÛÖÓÉÙÛÐÃ×ÛÊÛÉÈÔ×ÈÛÄÌ×ÊÓÍØÓÎÉÈ×ÛØÍÖÈÔ×ÙÛÐ×ÎØÛÊÃ×ÛÊ èÛÄÌÛÃ×ÊÏ×ÛÎÉÛÎÃÌ×ÊÉÍÎÅÔÍÓÉÐÓÛÚÐ×ÖÍÊÛÎÃÈÛÄÅÔÓÙÔ èôûèÓÉÓÏÌÍÉ×ØÚÃÈÔÓÉÛÊÈÓÙÐ× åÔÍÐ×ÉÛÐ×ÊÍÊÒÍÚÚ×ÊÏ×ÛÎÉÛÎÃÌ×ÊÉÍÎÅÔÍÉ×ÐÐÉÈÛÎÕÓÚÐ× Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÖÍÊÊ×ÉÛÐ×ÛÎØÎÍÈÖÍÊÙÍÎÉÇÏÌÈÓÍÎÚÃÈÔ×ÌÇÊÙÔÛÉ×Ê é×Ùé×ÙÈÓÍÎ ûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÓÉÛÏ×ÎØ×ØÈÍÊ×ÛØ èÛÄÌÛÃ×ÊÚÍÎØÉÍÇÈÍÖÉÈÛÈ×ÐÓÙ×ÎÉ×ØÙÍÎÈÊÛÙÈÍÊÉÛÎØ ÏÛÎÇÖÛÙÈÇÊ×ØÚÇÓÐØÓÎÕØ×ÛÐ×ÊÉ ûîÍÈÅÓÈÔÉÈÛÎØÓÎÕÉ×ÙÈÓÍÎ ÈÔ×Ø×ÌÛÊÈÏ×ÎÈÉÔÛÐÐÊ×ËÇÓÊ×Û ÉÇÊ×ÈÃÚÍÎØÖÍÊ×ÛÙÔÈÛÄÌÛÃ×ÊÅÔÍÓÉÊ×ËÇÓÊ×ØÈÍÚ×ÐÓÙ×ÎÉ×ØÇÎØ×ÊÈÓÈÐ× Study Session - March 13, 2013 - Page 47 of 125 ôú ÙÔÛÌÈ×Ê ÍÊÅÔÍÓÉÊ×ÕÇÐÛÈ×ØÇÎØ×ÊÈÓÈÐ×ÙÔÛÌÈ×ÊÛÊÈÓÙÐ× ÓÖÈÔ× ÈÛÄÌÛÃ×ÊÉÌÊÓÎÙÓÌÛÐÌÐÛÙ×ÍÖÚÇÉÓÎ×ÉÉÓÉÍÇÈÉÓØ×ÈÔÓÉÉÈÛÈ×ÍÊÓÖÈÔ× ÈÛÄÌÛÃ×ÊÔÛÉÙÍÎØÇÙÈ×ØÚÇÉÓÎ×ÉÉÓÎÈÔÓÉÉÈÛÈ×ÖÍÊÐ×ÉÉÈÔÛÎÍÎ×Ã×ÛÊèÔ× Ø×ÌÛÊÈÏ×ÎÈÉÔÛÐÐÌÊ×ÉÙÊÓÚ×ÈÔ×ÖÍÊÏÍÖÈÔ×ÚÍÎØèÔ×ÚÍÎØÉÔÛÐÐÚ×ÏÛÓÎÈÛÓÎ×Ø ÖÍÊÛÌ×ÊÓÍØÍÖÛÈÐ×ÛÉÈÈÅÍÃ×ÛÊÉ úèÔ×ÚÍÎØØÇÐÃ×Ä×ÙÇÈ×ØÚÃÈÔ×ÛÌÌÐÓÙÛÎÈÛÉÌÊÓÎÙÓÌÛÐÛÎØÅÓÈÔÛ ÙÍÊÌÍÊÛÈÓÍÎØÇÐÃÛÇÈÔÍÊÓÂ×ØÈÍ×Ä×ÙÇÈ×ÛÎØÅÊÓÈ×ÚÍÎØÉÓÎÈÔÓÉÉÈÛÈ×ÛÉ ÉÇÊ×ÈÃÉÔÛÐÐÚ×ÌÛÃÛÚÐ×ÈÍÈÔÓÉÉÈÛÈ×ÛÎØÙÍÎØÓÈÓÍÎ×ØÍÎÈÔ×ÌÛÃÏ×ÎÈÍÖÛÐÐ ÈÊÛÎÉÛÙÈÓÍÎÌÊÓÆÓÐ×Õ×ÈÛÄ×ÉÓÎÙÇÊÊ×ØÛÎØÓÏÌÍÉ×ØÍÎÈÔ×ÈÛÄÌÛÃ×ÊÚÃÈÔÓÉ ÉÈÛÈ×ÛÎØÓÈÉÌÍÐÓÈÓÙÛÐÉÇÚØÓÆÓÉÓÍÎÉèÔ×ÚÍÎØÉÔÛÐÐÚ×ÓÎÉÇÙÔÛÏÍÇÎÈÚÇÈ ÎÍÈÐ×ÉÉÈÔÛÎÈÅÍÈÔÍÇÉÛÎØØÍÐÐÛÊÉÛÉÅÓÐÐÛÉÉÇÊ×ÈÔ×ÌÛÃÏ×ÎÈÍÖÈÔ× ÈÊÛÎÉÛÙÈÓÍÎÌÊÓÆÓÐ×Õ×ÈÛÄ×ÉÅÔÓÙÔèôûèÏÛÃÊ×ÛÉÍÎÛÚÐÃÚ××ÄÌ×ÙÈ×ØÈÍÚ× ÓÎÙÇÊÊ×ØÚÃÈÔ×ÐÓÙ×ÎÉ×Ø×ÉÈÛÚÐÓÉÔÏ×ÎÈÖÍÊÛÌ×ÊÓÍØÍÖÍÎ×ÔÇÎØÊ×ØÖÓÖÈÃ ØÛÃÉ ùèÔ×ØÓÊ×ÙÈÍÊÚÃÊÇÐ×ÏÛÃ×ÉÈÛÚÐÓÉÔÙÐÛÉÉ×ÉÍÖ×ÄÌ×ÙÈ×ØÈÛÄ ÐÓÛÚÓÐÓÈÃÓÎÖÓÆ×ÈÔÍÇÉÛÎØØÍÐÐÛÊÓÎÙÊ×Ï×ÎÈÉÚ×ÕÓÎÎÓÎÕÅÓÈÔÈÔ×ÏÓÎÓÏÇÏÚÍÎØ ÛÏÍÇÎÈÌÊ×ÉÙÊÓÚ×ØÓÎÉÇÚÉ×ÙÈÓÍÎúÍÖÈÔÓÉÉ×ÙÈÓÍÎèÔ×ÚÍÎØÉÔÛÐÐÌÊÍÆÓØ× ÈÔÛÈÛÖÈ×ÊÎÍÈÓÙ×ÛÎØÛÔ×ÛÊÓÎÕÈÔ×ØÓÊ×ÙÈÍÊÏÛÃÍÊØ×ÊÖÍÊÖ×ÓÈ×ØÈÍÈÔÓÉ ÉÈÛÈ×ÛÎØÛÎÃÛÖÖ×ÙÈ×ØÌÍÐÓÈÓÙÛÐÉÇÚØÓÆÓÉÓÍÎÌÛÊÈÍÊÛÐÐÍÖÈÔ×ÚÍÎØÖÍÊ ÎÍÎÌÛÃÏ×ÎÈÍÖÈÛÄ×ÉÓÎÈ×Ê×ÉÈÛÎØÌ×ÎÛÐÈÓ×É øûÐÓÙ×ÎÉ××ÍÎÛÌÌÐÓÙÛÈÓÍÎÖÍÊÛÎ×ÅÐÓÙ×ÎÉ×ÙÍÆ×Ê×ØÚÃÉÇÚÉ×ÙÈÓÍÎû ÍÖÈÔÓÉÉ×ÙÈÓÍÎÊ×Î×ÅÛÐÍÖÛÐÓÙ×ÎÉ×ÙÍÆ×Ê×ØÚÃÉÇÚÉ×ÙÈÓÍÎûÍÖÈÔÓÉÉ×ÙÈÓÍÎ ÍÊÈÊÛÎÉÖ×ÊÍÖÛÐÓÙ×ÎÉ×ÙÍÆ×Ê×ØÚÃÉÇÚÉ×ÙÈÓÍÎûÍÖÈÔÓÉÉ×ÙÈÓÍÎÓÉ×Ä×ÏÌÈ ÖÊÍÏÌÍÉÈÓÎÕÛÚÍÎØÓÖÈÔ×ÐÓÙ×ÎÉ××ÔÛÉÖÍÊÛÈÐ×ÛÉÈÈÅÍÃ×ÛÊÉÓÏÏ×ØÓÛÈ×ÐÃ ÌÊ×Ù×ØÓÎÕÈÔ×ÛÌÌÐÓÙÛÈÓÍÎÏÛØ×ÈÓÏ×ÐÃÌÛÃÏ×ÎÈÍÖÛÐÐÈÊÛÎÉÛÙÈÓÍÎÌÊÓÆÓÐ×Õ× ÈÛÄ×ÉÓÎÙÇÊÊ×Ø ÷óÖÛÐÓÙ×ÎÉ××ÓÉÎÍÈ×Ä×ÏÌÈÖÊÍÏÈÔÓÉÉ×ÙÈÓÍÎÈÔ×ØÓÊ×ÙÈÍÊÏÛÃ ×Ä×ÏÌÈÈÔ×ÐÓÙ×ÎÉ××ÓÖÈÔ×ØÓÊ×ÙÈÍÊÖÓÎØÉÈÔÛÈÈÔ×ÉÇÊ×ÈÃÚÍÎØÓÉÎÍÈ Î×Ù×ÉÉÛÊÃÈÍÓÎÉÇÊ×÷îéçê÷ÌÛÃÏ×ÎÈÍÖÉÇÙÔÈÛÄ×ÉÈÍÈÔ×ÉÈÛÈ×ÛÎØÛÎÃ ÛÖÖ×ÙÈ×ØÌÍÐÓÈÓÙÛÐÉÇÚØÓÆÓÉÓÍÎÍÊÈÔ×ÐÓÙ×ÎÉ××ÔÛØÕÍÍØÙÛÇÉ×ÖÍÊÈÔ×ÐÛÈ×ÍÊ ÓÎÉÇÖÖÓÙÓ×ÎÈÌÛÃÏ×ÎÈÍÖÈÔ×ÈÊÛÎÉÛÙÈÓÍÎÌÊÓÆÓÐ×Õ×ÈÛÄÛÎØÛÖÖÓÐÓÛÈ×Ø×ÄÙÓÉ× ÈÛÄ×ÉÓÎÙÇÊÊ×Ø é×Ùê×Ì×ÛÐ é×ÙÈÓÍÎ ûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÓÉÊ×Ì×ÛÐ×ØÖÊÍÏÛÎØÛÖÈ×Ê ø×Ù×ÏÚ×Ê é×Ùé×ÙÈÓÍÎ ûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÓÉÛÏ×ÎØ×ØÈÍÊ×ÛØ ù×ÊÈÓÖÓÙÛÈ×É×ÉÈÛÚÐÓÉÔÓÎÕØ×ØÇÙÈÓÍÎÉÐÓÛÚÓÐÓÈÃÖÍÊ ÏÛÑÓÎÕÖÛÐÉ×Ù×ÊÈÓÖÓÙÛÈ× ûûÌ×ÊÉÍÎÅÔÍÙÍÎØÇÙÈÉÛÎÃÚÇÉÓÎ×ÉÉÙÐÛÉÉÓÖÓ×ØÇÎØ×ÊÛÊÈÓÙÐ× ÍÖ ÈÔÓÉÙÔÛÌÈ×ÊÏÛÃ×ÉÈÛÚÐÓÉÔ×ÎÈÓÈÐ×Ï×ÎÈÈÍÈÔ×ÛÐÐÍÅÛÚÐ×Ø×ØÇÙÈÓÍÎÉÖÊÍÏÈÔ× ÈÛÄÚÛÉ×ÍÖÈÔÛÈÚÇÉÓÎ×ÉÉÚÃÚÍÈÔ ïÛÊÑÓÎÕÈÔ×ÓÎÆÍÓÙ×ÖÍÊÈÔ×ÈÊÛÎÉÛÙÈÓÍÎÈÍÓÎØÓÙÛÈ×ÈÔÛÈÈÔ×ÕÊÍÉÉ ÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ×Ø×ÊÓÆ×ØÖÊÍÏÈÔ×ÈÊÛÎÉÛÙÈÓÍÎÅÛÉØ×ØÇÙÈ×Ø ÖÊÍÏÈÔ×ÈÛÄÚÛÉ× Study Session - March 13, 2013 - Page 48 of 125 ôú íÚÈÛÓÎÓÎÕÛÙ×ÊÈÓÖÓÙÛÈ××Ä×ÙÇÈ×ØÚÃÈÔ×ÌÇÊÙÔÛÉ×ÊÓÎØÓÙÛÈÓÎÕÈÔ× ÎÛÏ×ÛÎØÛØØÊ×ÉÉÍÖÈÔ×ÌÇÊÙÔÛÉ×ÊÈÔ×ÌÊ×ÙÓÉ×ÎÛÈÇÊ×ÍÖÈÔ×ÚÇÉÓÎ×ÉÉÍÖÈÔ× ÌÇÊÙÔÛÉ×ÊÈÔ×ÌÇÊÌÍÉ×ÖÍÊÅÔÓÙÔÈÔ×ÌÇÊÙÔÛÉ×ÅÛÉÏÛØ×ÈÔ×Î×Ù×ÉÉÛÊÃÖÛÙÈÉ ÈÍ×ÉÈÛÚÐÓÉÔÈÔ×ÛÌÌÊÍÌÊÓÛÈ×Ø×ØÇÙÈÓÍÎÛÎØÈÔ×ÈÛÄÐÓÙ×ÎÉ×ÎÇÏÚ×ÊÍÖÈÔ× ÌÇÊÙÔÛÉ×ÊÈÍÈÔ××ÄÈ×ÎÈÈÔ×Ø×ØÇÙÈÓÍÎØ×Ì×ÎØÉÍÎÈÔ×ÌÇÊÙÔÛÉ×ÊÙÍÎØÇÙÈÓÎÕ ÚÇÉÓÎ×ÉÉÙÐÛÉÉÓÖÓ×ØÇÎØ×ÊÛÊÈÓÙÐ× ÍÖÈÔÓÉÙÔÛÌÈ×ÊÛÎØÛÙ×ÊÈÓÖÓÙÛÈÓÍÎÈÔÛÈ ÈÔ×Ì×ÊÉÍÎ×Ä×ÙÇÈÓÎÕÈÔ×Ù×ÊÈÓÖÓÙÛÈ×ÓÉÛÇÈÔÍÊÓÂ×ØÈÍØÍÉÍÍÎÚ×ÔÛÐÖÍÖÈÔ× ÌÇÊÙÔÛÉ×ÊèÔ×Ù×ÊÈÓÖÓÙÛÈ×ÏÛÃÚ×ØÓÉÊ×ÕÛÊØ×ØÓÖÈÔ×É×ÐÐ×ÊÔÛÉÊ×ÛÉÍÎÈÍ Ú×ÐÓ×Æ×ÈÔÛÈÈÔ×ÓÎÖÍÊÏÛÈÓÍÎÙÍÎÈÛÓÎ×ØÓÎÈÔ×Ù×ÊÈÓÖÓÙÛÈ×ÓÉÎÍÈÛÙÙÇÊÛÈ×ÍÊ ÙÍÏÌÐ×È× úûÌ×ÊÉÍÎÅÔÍØÍ×ÉÎÍÈÙÍÏÌÐÃÅÓÈÔÉÇÚÉ×ÙÈÓÍÎûÍÖÈÔÓÉÉ×ÙÈÓÍÎÏÛÃ ×ÉÈÛÚÐÓÉÔ×ÎÈÓÈÐ×Ï×ÎÈÈÍÈÔ×Ø×ØÇÙÈÓÍÎÚÃÌÊ×É×ÎÈÓÎÕÖÛÙÈÉÎ×Ù×ÉÉÛÊÃÈÍ ÉÇÌÌÍÊÈÈÔ××ÎÈÓÈÐ×Ï×ÎÈÚÇÈÈÔ×ÚÇÊØ×ÎÍÖÌÊÍÍÖÓÉÍÎÈÔÛÈÌ×ÊÉÍÎ ùèÔ×Ø×ÌÛÊÈÏ×ÎÈÏÛÃÌÊ×ÉÙÊÓÚ×ÛÖÍÊÏÖÍÊÈÔ×Ù×ÊÈÓÖÓÙÛÈ×Ø×ÉÙÊÓÚ×Ø ÓÎÉÇÚÉ×ÙÈÓÍÎûÍÖÈÔÓÉÉ×ÙÈÓÍÎçÎØ×ÊÉÇÙÔÊÇÐ×ÉÛÉÓÈÏÛÃÌÊ×ÉÙÊÓÚ×ÈÔ× Ø×ÌÛÊÈÏ×ÎÈÏÛÃÛÐÉÍØ×ÉÙÊÓÚ×ÈÊÛÎÉÛÙÈÓÍÎÉÅÓÈÔÊ×ÉÌ×ÙÈÈÍÅÔÓÙÔÛÌ×ÊÉÍÎÓÉ ÎÍÈ×ÎÈÓÈÐ×ØÈÍÊ×ÐÃÉÍÐ×ÐÃÍÎÈÔ×ÓÎÖÍÊÏÛÈÓÍÎÙÍÎÈÛÓÎ×ØÓÎÈÔ×Ù×ÊÈÓÖÓÙÛÈ× ÌÊÍÆÓØ×ØÖÍÊÓÎÉÇÚÉ×ÙÈÓÍÎûÍÖÈÔÓÉÉ×ÙÈÓÍÎÚÇÈÏÇÉÈÓÎÉÈ×ÛØÍÚÈÛÓÎÉÇÙÔ ÛØØÓÈÓÍÎÛÐÓÎÖÍÊÏÛÈÓÍÎÛÉÊ×ËÇÓÊ×ØÚÃÈÔ×ÊÇÐ×ÉÓÎÍÊØ×ÊÈÍÚ××ÎÈÓÈÐ×ØÈÍ ÈÔ×Ø×ØÇÙÈÓÍÎ øóÖÛÉ×ÐÐ×ÊÓÉ×ÎÈÓÈÐ×ØÈÍÛØ×ØÇÙÈÓÍÎÚÃÙÍÏÌÐÃÓÎÕÅÓÈÔÉÇÚÉ×ÙÈÓÍÎ ûÍÖÈÔÓÉÉ×ÙÈÓÍÎÈÔ×Ø×ÌÛÊÈÏ×ÎÈÏÛÃÊ×ËÇÓÊ×ÈÔ×ÌÇÊÙÔÛÉ×ÊÈÔÛÈÙÛÇÉ×ØÈÔ× ×Ä×ÙÇÈÓÍÎÍÖÈÔ×Ù×ÊÈÓÖÓÙÛÈ×ÈÍ×ÉÈÛÚÐÓÉÔÈÔ×ÛÙÙÇÊÛÙÃÛÎØÙÍÏÌÐ×È×Î×ÉÉÍÖ ÈÔ×ÓÎÖÍÊÏÛÈÓÍÎÊ×ËÇÓÊ×ØÈÍÚ×ÙÍÎÈÛÓÎ×ØÓÎÈÔ×Ù×ÊÈÓÖÓÙÛÈ×ÈÔÛÈÅÍÇÐØ ×ÎÈÓÈÐ×ÈÔ×É×ÐÐ×ÊÈÍÈÔ×Ø×ØÇÙÈÓÍÎóÖÈÔ×ÌÇÊÙÔÛÉ×ÊÙÛÎÎÍÈ×ÉÈÛÚÐÓÉÔÈÔ× ÛÙÙÇÊÛÙÃÛÎØÙÍÏÌÐ×È×Î×ÉÉÍÖÈÔ×ÓÎÖÍÊÏÛÈÓÍÎÈÔ×ÌÇÊÙÔÛÉ×ÊÓÉÐÓÛÚÐ×ÓÎÛÎ ÛÏÍÇÎÈ×ËÇÛÐÈÍÛÎÃÈÛÄÌ×ÎÛÐÈÃÛÎØÓÎÈ×Ê×ÉÈÈÔÛÈÈÔ×É×ÐÐ×ÊÅÍÇÐØÔÛÆ×Ú××Î Ê×ËÇÓÊ×ØÈÍÌÛÃÇÎØ×ÊÈÔÓÉÛÊÈÓÙÐ×ÓÖÈÔ×É×ÐÐ×ÊÔÛØÎÍÈÙÍÏÌÐÓ×ØÅÓÈÔ ÉÇÚÉ×ÙÈÓÍÎûÍÖÈÔÓÉÉ×ÙÈÓÍÎìÛÃÏ×ÎÈÍÖÈÔ×ÛÏÍÇÎÈÇÎØ×ÊÈÔÓÉÉÇÚÉ×ÙÈÓÍÎ ×Ä×ÏÌÈÉÈÔ×ÌÇÊÙÔÛÉ×ÊÖÊÍÏÐÓÛÚÓÐÓÈÃÖÍÊÛÎÃÈÛÄÓÏÌÍÉ×ØÇÎØ×ÊÛÊÈÓÙÐ×ÍÖ ÈÔÓÉÙÔÛÌÈ×ÊèÔ×ÛÏÍÇÎÈÉÔÛÐÐÚ×ÈÊ×ÛÈ×ØÛÉÈÛÄÊ×Æ×ÎÇ×ÉÙÍÐÐ×ÙÈ×ØÖÊÍÏÈÔ× É×ÐÐ×ÊÓÎÍÊØ×ÊÈÍØ×ÉÓÕÎÛÈ×ÈÔ×ØÓÉÈÊÓÚÇÈÓÍÎÚÛÉ×ÖÍÊÌÇÊÌÍÉ×ÉÍÖÉ×ÙÈÓÍÎ ÷óÖÛÉ×ÐÐ×ÊÓÉ×ÎÈÓÈÐ×ØÈÍÛØ×ØÇÙÈÓÍÎÚÃÙÍÏÌÐÃÓÎÕÅÓÈÔÉÇÚÉ×ÙÈÓÍÎ úÍÖÈÔÓÉÉ×ÙÈÓÍÎÈÔ×Ø×ÌÛÊÈÏ×ÎÈÏÛÃÊ×ËÇÓÊ×ÈÔ×ÌÇÊÙÔÛÉ×ÊÈÍ×ÉÈÛÚÐÓÉÔÈÔ× ÛÙÙÇÊÛÙÃÛÎØÙÍÏÌÐ×È×Î×ÉÉÍÖÈÔ×ÓÎÖÍÊÏÛÈÓÍÎÌÊÍÆÓØ×ØÈÍÈÔ×É×ÐÐ×ÊÈÔÛÈ ×ÎÈÓÈÐ×ØÈÔ×É×ÐÐ×ÊÈÍÈÔ×Ø×ØÇÙÈÓÍÎóÖÈÔ×ÌÇÊÙÔÛÉ×ÊÙÛÎÎÍÈ×ÉÈÛÚÐÓÉÔÈÔ× ÛÙÙÇÊÛÙÃÛÎØÙÍÏÌÐ×È×Î×ÉÉÍÖÈÔ×ÓÎÖÍÊÏÛÈÓÍÎÈÔ×ÌÇÊÙÔÛÉ×ÊÓÉÐÓÛÚÐ×ÓÎÛÎ ÛÏÍÇÎÈ×ËÇÛÐÈÍÛÎÃÈÛÄÌ×ÎÛÐÈÃÛÎØÓÎÈ×Ê×ÉÈÈÔÛÈÈÔ×É×ÐÐ×ÊÅÍÇÐØÔÛÆ×Ú××Î Ê×ËÇÓÊ×ØÈÍÌÛÃÇÎØ×ÊÈÔÓÉÛÊÈÓÙÐ×ÓÖÈÔ×É×ÐÐ×ÊÔÛØÎÍÈÙÍÏÌÐÓ×ØÅÓÈÔ ÉÇÚÉ×ÙÈÓÍÎúÍÖÈÔÓÉÉ×ÙÈÓÍÎìÛÃÏ×ÎÈÍÖÈÔ×ÛÏÍÇÎÈÇÎØ×ÊÈÔÓÉÉÇÚÉ×ÙÈÓÍÎ ×Ä×ÏÌÈÉÈÔ×ÌÇÊÙÔÛÉ×ÊÖÊÍÏÐÓÛÚÓÐÓÈÃÖÍÊÛÎÃÈÛÄÓÏÌÍÉ×ØÇÎØ×ÊÛÊÈÓÙÐ×ÍÖ ÈÔÓÉÙÔÛÌÈ×ÊèÔ×ÛÏÍÇÎÈÉÔÛÐÐÚ×ÈÊ×ÛÈ×ØÛÉÈÛÄÊ×Æ×ÎÇ×ÉÙÍÐÐ×ÙÈ×ØÖÊÍÏÈÔ× É×ÐÐ×ÊÓÎÍÊØ×ÊÈÍØ×ÉÓÕÎÛÈ×ÈÔ×ØÓÉÈÊÓÚÇÈÓÍÎÚÛÉ×ÖÍÊÌÇÊÌÍÉ×ÉÍÖÉ×ÙÈÓÍÎ Study Session - March 13, 2013 - Page 49 of 125 ôú öèÔ×Ø×ÌÛÊÈÏ×ÎÈÏÛÃÌÊ×ÉÙÊÓÚ×ÛÖÍÊÏÖÍÊÛÙ×ÊÈÓÖÓÙÛÈ×ÇÉ×ØÈÍ ×ÉÈÛÚÐÓÉÔ×ÎÈÓÈÐ×Ï×ÎÈÈÍÈÔ×Ø×ØÇÙÈÓÍÎÉØ×ÉÙÊÓÚ×ØÓÎÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎûÌÛÊÛÕÊÛÌÔÛÎØÉ×ÙÈÓÍÎ úÌÛÊÛÕÊÛÌÔ çÎØ×ÊÊÇÐ×ÉÈÔ×Ø×ÌÛÊÈÏ×ÎÈÏÛÃÌÊ×ÉÙÊÓÚ×ÈÔ×Ø×ÌÛÊÈÏ×ÎÈÏÛÃÛÐÉÍÊ×ËÇÓÊ× ÛØØÓÈÓÍÎÛÐÓÎÖÍÊÏÛÈÓÍÎÖÍÊÈÔ×É×ÐÐ×ÊÈÍÚ××ÎÈÓÈÐ×ØÈÍÈÔ×Ø×ØÇÙÈÓÍÎóÖÛ É×ÐÐ×ÊÓÉ×ÎÈÓÈÐ×ØÈÍÈÔ×Ø×ØÇÙÈÓÍÎÉØ×ÉÙÊÓÚ×ØÓÎÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎ ûÌÛÊÛÕÊÛÌÔÛÎØÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎúÌÛÊÛÕÊÛÌÔ ÈÔ× Ø×ÌÛÊÈÏ×ÎÈÏÛÃÊ×ËÇÓÊ×ÈÔ×ÌÇÊÙÔÛÉ×ÊÅÔÍ×Ä×ÙÇÈ×ØÈÔ×Ù×ÊÈÓÖÓÙÛÈ×ÈÍ ×ÉÈÛÚÐÓÉÔÈÔ×ÛÙÙÇÊÛÙÃÛÎØÙÍÏÌÐ×È×Î×ÉÉÍÖÈÔ×ÓÎÖÍÊÏÛÈÓÍÎÙÍÎÈÛÓÎ×ØÓÎÈÔ× Ù×ÊÈÓÖÓÙÛÈ×ÈÔÛÈÅÍÇÐØ×ÎÈÓÈÐ×ÈÔ×É×ÐÐ×ÊÈÍÈÔ×Ø×ØÇÙÈÓÍÎóÖÈÔ×ÌÇÊÙÔÛÉ×Ê ÙÛÎÎÍÈ×ÉÈÛÚÐÓÉÔÈÔ×ÛÙÙÇÊÛÙÃÛÎØÙÍÏÌÐ×È×Î×ÉÉÍÖÈÔ×ÓÎÖÍÊÏÛÈÓÍÎÈÔ× ÌÇÊÙÔÛÉ×ÊÓÉÐÓÛÚÐ×ÓÎÛÎÛÏÍÇÎÈ×ËÇÛÐÈÍÛÎÃÈÛÄÌ×ÎÛÐÈÃÛÎØÓÎÈ×Ê×ÉÈÈÔÛÈ ÈÔ×É×ÐÐ×ÊÅÍÇÐØÔÛÆ×Ú××ÎÊ×ËÇÓÊ×ØÈÍÌÛÃÇÎØ×ÊÈÔÓÉÛÊÈÓÙÐ×ìÛÃÏ×ÎÈÍÖ ÈÔ×ÛÏÍÇÎÈÇÎØ×ÊÈÔÓÉÉÇÚÉ×ÙÈÓÍÎ×Ä×ÏÌÈÉÈÔ×ÌÇÊÙÔÛÉ×ÊÖÊÍÏÐÓÛÚÓÐÓÈÃÖÍÊÛÎÃ ÈÛÄÓÏÌÍÉ×ØÇÎØ×ÊÛÊÈÓÙÐ×ÍÖÈÔÓÉÙÔÛÌÈ×ÊèÔ×ÛÏÍÇÎÈÉÔÛÐÐÚ×ÈÊ×ÛÈ×ØÛÉ ÈÛÄÊ×Æ×ÎÇ×ÉÙÍÐÐ×ÙÈ×ØÖÊÍÏÈÔ×É×ÐÐ×ÊÓÎÍÊØ×ÊÈÍØ×ÉÓÕÎÛÈ×ÈÔ×ØÓÉÈÊÓÚÇÈÓÍÎ ÚÛÉ×ÖÍÊÌÇÊÌÍÉ×ÉÍÖÉ×ÙÈÓÍÎ õóÖÛÉ×ÐÐ×ÊÙÐÛÓÏÉÛØ×ØÇÙÈÓÍÎÇÎØ×ÊÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎû ÌÛÊÛÕÊÛÌÔ ÛÎØ×ÉÈÛÚÐÓÉÔ×É×ÎÈÓÈÐ×Ï×ÎÈÈÍÈÔ×Ø×ØÇÙÈÓÍÎÅÓÈÔÛÎ ×Ä×ÏÌÈÓÍÎÐ×ÈÈ×ÊÈÔÛÈÈÔ×ÌÇÊÙÔÛÉ×ÊÊ×Ù×ÓÆ×ØÖÊÍÏÈÔ×Ø×ÌÛÊÈÏ×ÎÈÛÎØÈÔ× ×Ä×ÏÌÈÓÍÎÐ×ÈÈ×ÊÅÛÉÚÛÉ×ØÍÎÛÙÍÎÈÓÎÕ×ÎÈ×Æ×ÎÈÈÔ×Ø×ÌÛÊÈÏ×ÎÈÏÛÃÊ×ËÇÓÊ× ÈÔ×ÌÇÊÙÔÛÉ×ÊÈÔÛÈÊ×Ù×ÓÆ×ØÈÔ××Ä×ÏÌÈÓÍÎÐ×ÈÈ×ÊÈÍ×ÉÈÛÚÐÓÉÔÈÔ× ÉÛÈÓÉÖÛÙÈÓÍÎÍÖÈÔ×ÙÍÎÈÓÎÕ×ÎÈ×Æ×ÎÈÅÓÈÔÓÎÛÊ×ÛÉÍÎÛÚÐ×ÈÓÏ×óÖÈÔ× ÌÇÊÙÔÛÉ×ÊÙÛÎÎÍÈ×ÉÈÛÚÐÓÉÔÈÔ×ÉÛÈÓÉÖÛÙÈÓÍÎÍÖÈÔ××Æ×ÎÈÈÔ×ÌÇÊÙÔÛÉ×ÊÓÉ ÐÓÛÚÐ×ÓÎÛÎÛÏÍÇÎÈ×ËÇÛÐÈÍÛÎÃÈÛÄÌ×ÎÛÐÈÃÛÎØÓÎÈ×Ê×ÉÈÈÔÛÈÈÔ×É×ÐÐ×Ê ÅÍÇÐØÔÛÆ×Ú××ÎÊ×ËÇÓÊ×ØÈÍÌÛÃÇÎØ×ÊÈÔÓÉÛÊÈÓÙÐ×ÓÖÈÔ×É×ÐÐ×ÊÔÛØÎÍÈÚ××Î ÖÇÊÎÓÉÔ×ØÈÔ××Ä×ÏÌÈÓÍÎÐ×ÈÈ×ÊìÛÃÏ×ÎÈÍÖÈÔ×ÛÏÍÇÎÈÇÎØ×ÊÈÔÓÉÉÇÚÉ×ÙÈÓÍÎ ×Ä×ÏÌÈÉÈÔ×ÌÇÊÙÔÛÉ×ÊÖÊÍÏÐÓÛÚÓÐÓÈÃÖÍÊÛÎÃÈÛÄÓÏÌÍÉ×ØÇÎØ×ÊÛÊÈÓÙÐ×ÍÖ ÈÔÓÉÙÔÛÌÈ×ÊèÔ×ÛÏÍÇÎÈÉÔÛÐÐÚ×ÈÊ×ÛÈ×ØÛÉÈÛÄÊ×Æ×ÎÇ×ÉÙÍÐÐ×ÙÈ×ØÖÊÍÏÈÔ× É×ÐÐ×ÊÓÎÍÊØ×ÊÈÍØ×ÉÓÕÎÛÈ×ÈÔ×ØÓÉÈÊÓÚÇÈÓÍÎÚÛÉ×ÖÍÊÌÇÊÌÍÉ×ÉÍÖÉ×ÙÈÓÍÎ öÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÈÔÓÉÉÇÚÉ×ÙÈÓÍÎÊ×ÛÉÍÎÛÚÐ×ÈÓÏ×Ï×ÛÎÉÛÈÓÏ× ÐÓÏÓÈÛÈÓÍÎÈÔÛÈÈÔ×Ø×ÌÛÊÈÏ×ÎÈØ×È×ÊÏÓÎ×ÉÛÎØÈÔÛÈØÍ×ÉÎÍÈ×ÄÙ××ØÈÔ×ÈÓÏ× ÐÓÏÓÈÛÈÓÍÎÉÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ ôèÔ×Ø×ÌÛÊÈÏ×ÎÈÉÔÛÐÐÌÊ×ÉÙÊÓÚ×ÖÍÊÏÉÖÍÊÙ×ÊÈÓÖÓÙÛÈ×ÉÇÉ×ØÈÍ ×ÉÈÛÚÐÓÉÔÈÔ×ÉÛÈÓÉÖÛÙÈÓÍÎÍÖÈÔ×ÙÊÓÈ×ÊÓÛÎ×Ù×ÉÉÛÊÃÈÍËÇÛÐÓÖÃÈÔ×ÉÛÐ×ÍÖÛ ÏÍÈÍÊÆ×ÔÓÙÐ×ÖÍÊÈÔ×Ø×ØÇÙÈÓÍÎÉØ×ÉÙÊÓÚ×ØÓÎÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎû ÌÛÊÛÕÊÛÌÔÌÛÊÛÕÊÛÌÔ ÉÇÚØÓÆÓÉÓÍÎÛÛÎØÌÛÊÛÕÊÛÌÔ ÛÎØ ÉÇÚÉ×ÙÈÓÍÎçèÍ×ÉÈÛÚÐÓÉÔ×ÎÈÓÈÐ×Ï×ÎÈÈÍÈÔ×É×Ø×ØÇÙÈÓÍÎÉÛÏÍÈÍÊÆ×ÔÓÙÐ× Ø×ÛÐ×ÊÉÔÛÐÐÊ×ÈÛÓÎ ûÆÛÐÓØÙ×ÊÈÓÖÓÙÛÈ×ÛÉÌÊ×ÉÙÊÓÚ×ØÚÃÈÔÓÉÉÇÚÉ×ÙÈÓÍÎÙÍÏÌÐ×È×ØÚÃ ÈÔ×ÌÇÊÙÔÛÉ×ÊÛÎØÍÚÈÛÓÎ×ØÌÊÓÍÊÈÍÈÔ×ÓÉÉÇÛÎÙ×ÍÖÈÔ×ÎÍÎÊ×ÉÓØ×ÎÈ Ê×ÕÓÉÈÊÛÈÓÍÎÌ×ÊÏÓÈÛÇÈÔÍÊÓÂ×ØÚÃÉ×ÙÈÓÍÎ Ê×ÕÓÉÈÊÛÈÓÍÎÌ×ÊÏÓÈÛÇÈÔÍÊÓÂ×ØÚÃÉ×ÙÈÓÍÎ Study Session - March 13, 2013 - Page 50 of 125 ôú ûÐ×ÕÓÚÐ×ÙÍÌÃÍÖÛÙÇÊÊ×ÎÈÆÛÐÓØØÊÓÆ×ÊÐÓÙ×ÎÉ×ÓÉÉÇ×ØÈÍÈÔ× ÌÇÊÙÔÛÉ×ÊÚÃÛÎÍÈÔ×ÊÉÈÛÈ×ÍÊÖÍÊ×ÓÕÎÙÍÇÎÈÊÃÈÔÛÈÓÎØÓÙÛÈ×ÉÛÎÛØØÊ×ÉÉ ÍÇÈÉÓØ×ÍÖÈÔÓÉÉÈÛÈ×öÍÊÈÔ×ÉÛÐ×ÍÖÛÏÍÈÍÊÆ×ÔÓÙÐ×ÈÍÛÎÍÎÊ×ÉÓØ×ÎÈ ×ÎÈÓÈÃÈÔ××ÎÈÓÈÃÉÊ×ÌÊ×É×ÎÈÛÈÓÆ×ÏÇÉÈÔÛÆ×ÛÙÇÊÊ×ÎÈÆÛÐÓØØÊÓÆ×ÊÐÓÙ×ÎÉ× ÓÉÉÇ×ØÚÃÈÔ×ÉÛÏ×ÒÇÊÓÉØÓÙÈÓÍÎÛÉÈÔÛÈÓÎÅÔÓÙÔÈÔ××ÎÈÓÈÃÓÉÐÍÙÛÈ×Ø öÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÈÔ×Ø×ØÇÙÈÓÍÎÌÊÍÆÓØ×ØÚÃÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎûÌÛÊÛÕÊÛÌÔÛÙ×ÊÈÓÖÓÙÛÈ×ØÍÙÇÏ×ÎÈÓÎÕÈÔ×Ø×ÐÓÆ×ÊÃÍÖÈÔ× ÏÍÈÍÊÆ×ÔÓÙÐ×ÈÍÛÎÍÇÈÍÖÉÈÛÈ×ÐÍÙÛÈÓÍÎ óîÍÈÅÓÈÔÉÈÛÎØÓÎÕÉÇÚÉ×ÙÈÓÍÎûÌÛÊÛÕÊÛÌÔ ÍÖÈÔÓÉÉ×ÙÈÓÍÎÓÖÛ ÏÍÈÍÊÆ×ÔÓÙÐ×Ø×ÛÐ×ÊÔÛÉ×ÉÈÛÚÐÓÉÔ×Ø×ÎÈÓÈÐ×Ï×ÎÈÈÍÛØ×ØÇÙÈÓÍÎÚÃÙÍÏÌÐÃÓÎÕ ÅÓÈÔÉÇÚÉ×ÙÈÓÍÎôÍÖÈÔÓÉÉ×ÙÈÓÍÎÈÔ×Ø×ÌÛÊÈÏ×ÎÈÏÛÃÊ×ËÇÓÊ×ÈÔ×ÌÇÊÙÔÛÉ×Ê ÅÔÍ×Ä×ÙÇÈ×ØÈÔ×Ù×ÊÈÓÖÓÙÛÈ×ÈÍ×ÉÈÛÚÐÓÉÔÈÔ×ÛÙÙÇÊÛÙÃÛÎØÙÍÏÌÐ×È×Î×ÉÉÍÖ ÈÔ×ÓÎÖÍÊÏÛÈÓÍÎÙÍÎÈÛÓÎ×ØÓÎÈÔ×Ù×ÊÈÓÖÓÙÛÈ×ÈÔÛÈ×ÎÈÓÈÐ×ØÈÔ×ÏÍÈÍÊÆ×ÔÓÙÐ× Ø×ÛÐ×ÊÈÍÈÔ×Ø×ØÇÙÈÓÍÎóÖÈÔ×ÌÇÊÙÔÛÉ×ÊÙÛÎÎÍÈ×ÉÈÛÚÐÓÉÔÈÔ×ÛÙÙÇÊÛÙÃÛÎØ ÙÍÏÌÐ×È×Î×ÉÉÍÖÈÔ×ÓÎÖÍÊÏÛÈÓÍÎÈÔ×ÌÇÊÙÔÛÉ×ÊÓÉÐÓÛÚÐ×ÓÎÛÎÛÏÍÇÎÈ×ËÇÛÐ ÈÍÛÎÃÈÛÄÌ×ÎÛÐÈÃÛÎØÓÎÈ×Ê×ÉÈÈÔÛÈÈÔ×ÏÍÈÍÊÆ×ÔÓÙÐ×Ø×ÛÐ×ÊÅÍÇÐØÔÛÆ× Ú××ÎÊ×ËÇÓÊ×ØÈÍÌÛÃÇÎØ×ÊÈÔÓÉÛÊÈÓÙÐ×ÛÎØÇÎØ×ÊÛÊÈÓÙÐ×ÉóæÛÎØæÍÖÈÔ× ÏÍØ×ÐÙÓÈÃÈÛÄÙÍØ×ÛÉØ×ÖÓÎ×ØÓÎÉ×ÙÈÓÍÎ ìÛÃÏ×ÎÈÍÖÈÔ×ÛÏÍÇÎÈ ÇÎØ×ÊÈÔÓÉÉÇÚÉ×ÙÈÓÍÎ×Ä×ÏÌÈÉÈÔ×ÌÇÊÙÔÛÉ×ÊÖÊÍÏÐÓÛÚÓÐÓÈÃÖÍÊÛÎÃÈÛÄ ÓÏÌÍÉ×ØÇÎØ×ÊÛÊÈÓÙÐ×ÍÖÈÔÓÉÙÔÛÌÈ×ÊÛÎØÛÎÃÈÛÄÓÏÌÍÉ×ØÇÎØ×ÊÛÊÈÓÙÐ×æó ÍÖÈÔ×ÏÍØ×ÐÙÓÈÃÈÛÄÙÍØ×ÛÉØ×ÖÓÎ×ØÓÎÉ×ÙÈÓÍÎ èÔ×ÛÏÍÇÎÈÉÔÛÐÐ Ú×ÈÊ×ÛÈ×ØÛÉÈÛÄÊ×Æ×ÎÇ×ÉÙÍÐÐ×ÙÈ×ØÖÊÍÏÈÔ×ÏÍÈÍÊÆ×ÔÓÙÐ×Ø×ÛÐ×ÊÓÎÍÊØ×Ê ÈÍØ×ÉÓÕÎÛÈ×ÈÔ×ØÓÉÈÊÓÚÇÈÓÍÎÚÛÉ×ÖÍÊÌÇÊÌÍÉ×ÉÍÖÉ×ÙÈÓÍÎ òîÍÈÅÓÈÔÉÈÛÎØÓÎÕÛÎÃÍÈÔ×ÊÐÛÅÙÍÏÌÐÓÛÎÙ×ÅÓÈÔÉÇÚÉ×ÙÈÓÍÎôÍÖÈÔÓÉ É×ÙÈÓÍÎÚÃÛÏÍÈÍÊÆ×ÔÓÙÐ×Ø×ÛÐ×Ê×ÎÈÓÈÐ×ÉÈÔ×ÏÍÈÍÊÆ×ÔÓÙÐ×Ø×ÛÐ×ÊÈÍÈÔ× ×Ä×ÏÌÈÓÍÎÌÊÍÆÓØ×ØÓÎÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎûÌÛÊÛÕÊÛÌÔ é×Ùé×ÙÈÓÍÎ ûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÓÉÛÏ×ÎØ×ØÈÍÊ×ÛØ êÛÈ×ÉØÓÉÈÊÓÚÇÈÓÍÎÚÛÉ× ûèÔ×ÈÛÄÓÏÌÍÉ×ØÚÃÈÔÓÉÛÊÈÓÙÐ×ÓÉÐ×ÆÓ×ØÛÎØÉÔÛÐÐÚ×ÙÍÐÐ×ÙÈ×ØÛÈ ÈÔ×ÖÍÐÐÍÅÓÎÕÊÛÈ×É öÓÆ×Ì×ÊÙ×ÎÈÍÖÈÔ×ÈÛÄÚÛÉ×ÛÉÙÍÏÌÇÈ×ØÖÍÊÈÔ×ÚÇÉÓÎ×ÉÉÍÖ×Æ×ÊÃ Ì×ÊÉÍÎ×ÎÕÛÕÓÎÕÍÊÙÍÎÈÓÎÇÓÎÕÓÎÈÔÓÉÉÈÛÈ×ÓÎÈÔ×ÖÍÐÐÍÅÓÎÕÚÇÉÓÎ×ÉÉ ÙÐÛÉÉÓÖÓÙÛÈÓÍÎÉØ×ÉÙÊÓÚ×ØÓÎÛÊÈÓÙÐ× ÍÖÈÔÓÉÙÔÛÌÈ×Ê ÛèÊÛÎÉÌÍÊÈÓÎÕÙÐÛÉÉÓÖÓÙÛÈÓÍÎ ÚçÈÓÐÓÈÓ×ÉÙÐÛÉÉÓÖÓÙÛÈÓÍÎ Ùè×Ð×ÙÍÏÏÇÎÓÙÛÈÓÍÎÉÙÐÛÉÉÓÖÓÙÛÈÓÍÎ ØìÓÌ×ÐÓÎ×ÙÐÛÉÉÓÖÓÙÛÈÓÍÎ ×ìÊÓÆÛÈ×ÙÛÊÐÓÎ×ÙÐÛÉÉÓÖÓÙÛÈÓÍÎ ÖìÇÚÐÓÙÛÈÓÍÎÙÐÛÉÉÓÖÓÙÛÈÓÍÎ ÕòÍÚÌÊÓÎÈÓÎÕÙÐÛÉÉÓÖÓÙÛÈÓÍÎ ÔìÊÓÏ×ÙÍÎÈÊÛÙÈÓÎÕïûîçöûùèçê÷øúçóðøóîõø÷ûð÷êÙÐÛÉÉÓÖÓÙÛÈÓÍÎ ÓíÅÎ×ÊÚÇÓÐØ×ÊÉÛÐ×ÉÙÐÛÉÉÓÖÓÙÛÈÓÍÎ ÒÓûÏÇÉ×Ï×ÎÈÙÐÛÉÉÓÖÓÙÛÈÓÍÎ ÑÒê×ÉÈÛÇÊÛÎÈÙÐÛÉÉÓÖÓÙÛÈÓÍÎ Study Session - March 13, 2013 - Page 51 of 125 ôú ÐÑì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÊ×ÎÈÛÐÙÐÛÉÉÓÖÓÙÛÈÓÍÎ ÏÐê×ÈÛÓÐÙÐÛÉÉÓÖÓÙÛÈÓÍÎ öÓÆ×ÛÎØÍÎ×ÔÛÐÖÌ×ÊÙ×ÎÈÍÖÈÔ×ÈÛÄÚÛÉ×ÛÉÙÍÏÌÇÈ×ØÖÍÊÈÔ× ÚÇÉÓÎ×ÉÉÍÖ×Æ×ÊÃÌ×ÊÉÍÎ×ÎÕÛÕÓÎÕÍÊÙÍÎÈÓÎÇÓÎÕÓÎÈÔÓÉÉÈÛÈ×ÓÎÈÔ× ÈÊÛÎÉÓ×ÎÈÐÍØÕÓÎÕÙÐÛÉÉÓÖÓÙÛÈÓÍÎØ×ÉÙÊÓÚ×ØÓÎÉ×ÙÈÓÍÎ èÔÊ××ÛÎØÍÎ××ÓÕÔÈÔÌ×ÊÙ×ÎÈÍÖÈÔ×ÈÛÄÚÛÉ×ÛÉÙÍÏÌÇÈ×ØÖÍÊÈÔ× ÚÇÉÓÎ×ÉÉÍÖ×Æ×ÊÃÌ×ÊÉÍÎ×ÎÕÛÕÓÎÕÍÊÙÍÎÈÓÎÇÓÎÕÓÎÈÔÓÉÉÈÛÈ×ÓÎÈÔ×ÏÓÎÓÎÕ ÙÐÛÉÉÓÖÓÙÛÈÓÍÎØ×ÉÙÊÓÚ×ØÓÎÉ×ÙÈÓÍÎ â×ÊÍÌ×ÊÙ×ÎÈÍÖÈÔ×ÈÛÄÚÛÉ×ÛÉÙÍÏÌÇÈ×ØÖÍÊÈÔ×ÚÇÉÓÎ×ÉÉÍÖ×Æ×ÊÃ Ì×ÊÉÍÎ×ÎÕÛÕÓÎÕÍÊÙÍÎÈÓÎÇÓÎÕÓÎÈÔÓÉÉÈÛÈ×ÓÎÈÔ×ÙÍÏÏ×ÊÙÓÛÐÐ×ÛÉ× ÙÐÛÉÉÓÖÓÙÛÈÓÍÎØ×ÉÙÊÓÚ×ØÓÎÉ×ÙÈÓÍÎ ú÷ÄÙ×ÌÈÛÉÌÊÍÆÓØ×ØÚÃÉÇÚÉ×ÙÈÓÍÎòÍÖÈÔÓÉÉ×ÙÈÓÍÎÈÅ×ÎÈÃÌ×ÊÙ×ÎÈ ÍÖÈÔ×ÈÛÄÊ×Æ×ÎÇ×ÉÙÍÐÐ×ÙÈ×ØÛÈÈÔ×ÊÛÈ×ÌÊ×ÉÙÊÓÚ×ØÚÃÉÇÚÉ×ÙÈÓÍÎû ÌÛÊÛÕÊÛÌÔÍÖÈÔÓÉÉ×ÙÈÓÍÎÖÊÍÏÌ×ÊÉÍÎÉÍÎÛÙÙÍÇÎÈÍÖ×ÎÕÛÕÓÎÕÓÎÚÇÉÓÎ×ÉÉ ÇÎØ×ÊÈÔ×ÚÇÉÓÎ×ÉÉÙÐÛÉÉÓÖÓÙÛÈÓÍÎÉÐÓÉÈ×ØÓÎÉÇÚÉ×ÙÈÓÍÎûÌÛÊÛÕÊÛÌÔ ÉÇÚØÓÆÓÉÓÍÎÉÛÈÔÊÍÇÕÔÓÔÍÖÈÔÓÉÉ×ÙÈÓÍÎÓÉØ×ÉÓÕÎÛÈ×ØÛÉ ØÓÉÈÊÓÚÇÈÓÍÎÚÛÉ×ÖÍÊÌÇÊÌÍÉ×ÉÍÖÉ×ÙÈÓÍÎ ùöÍÊÈÃÌ×ÊÙ×ÎÈÍÖÈÔ×ÈÛÄÊ×Æ×ÎÇ×ÉÙÍÐÐ×ÙÈ×ØÛÈÈÔ×ÊÛÈ×ÌÊ×ÉÙÊÓÚ×Ø ÚÃÉÇÚÉ×ÙÈÓÍÎûÌÛÊÛÕÊÛÌÔÍÖÈÔÓÉÉ×ÙÈÓÍÎÖÊÍÏÌ×ÊÉÍÎÉÍÎÛÙÙÍÇÎÈÍÖ ×ÎÕÛÕÓÎÕÓÎÚÇÉÓÎ×ÉÉÇÎØ×ÊÈÔ×ÚÇÉÓÎ×ÉÉÙÐÛÉÉÓÖÓÙÛÈÓÍÎÉÐÓÉÈ×ØÓÎÉÇÚÉ×ÙÈÓÍÎ ûÌÛÊÛÕÊÛÌÔÉÇÚØÓÆÓÉÓÍÎÉÒÓÈÔÊÍÇÕÔÏÐÍÖÈÔÓÉÉ×ÙÈÓÍÎÓÉ Ø×ÉÓÕÎÛÈ×ØÛÉØÓÉÈÊÓÚÇÈÓÍÎÚÛÉ×ÖÍÊÌÇÊÌÍÉ×ÉÍÖÉ×ÙÈÓÍÎ øèÔÓÊÈÃÈÅÍÌ×ÊÙ×ÎÈÍÖÈÔ×ÈÛÄÊ×Æ×ÎÇ×ÉÙÍÐÐ×ÙÈ×ØÖÊÍÏÌ×ÊÉÍÎÉÍÎ ÛÙÙÍÇÎÈÍÖ×ÎÕÛÕÓÎÕÓÎÚÇÉÓÎ×ÉÉÇÎØ×ÊÈÔ×ÚÇÉÓÎ×ÉÉÙÐÛÉÉÓÖÓÙÛÈÓÍÎÐÓÉÈ×ØÓÎ ÉÇÚÉ×ÙÈÓÍÎûÌÛÊÛÕÊÛÌÔ ÍÖÈÔÓÉÉ×ÙÈÓÍÎÓÉØ×ÉÓÕÎÛÈ×ØÛÉØÓÉÈÊÓÚÇÈÓÍÎÚÛÉ× ÖÍÊÌÇÊÌÍÉ×ÉÍÖÉ×ÙÈÓÍÎ ÷öÓÖÈÃÈÔÊ××ÛÎØÍÎ×ÈÔÓÊØÌ×ÊÙ×ÎÈÍÖÈÔ×ÈÛÄÊ×Æ×ÎÇ×ÉÙÍÐÐ×ÙÈ×Ø ÖÊÍÏÌ×ÊÉÍÎÉÍÎÛÙÙÍÇÎÈÍÖ×ÎÕÛÕÓÎÕÓÎÚÇÉÓÎ×ÉÉÇÎØ×ÊÈÔ×ÚÇÉÓÎ×ÉÉ ÙÐÛÉÉÓÖÓÙÛÈÓÍÎÐÓÉÈ×ØÓÎÉÇÚÉ×ÙÈÓÍÎûÌÛÊÛÕÊÛÌÔÍÖÈÔÓÉÉ×ÙÈÓÍÎÓÉ Ø×ÉÓÕÎÛÈ×ØÛÉØÓÉÈÊÓÚÇÈÓÍÎÚÛÉ×ÖÍÊÌÇÊÌÍÉ×ÉÍÖÉ×ÙÈÓÍÎ ööÓÖÈÃÌ×ÊÙ×ÎÈÍÖÈÔ×ÈÛÄÊ×Æ×ÎÇ×ÉÙÍÐÐ×ÙÈ×ØÖÊÍÏÌ×ÊÉÍÎÉÍÎ ÛÙÙÍÇÎÈÍÖ×ÎÕÛÕÓÎÕÓÎÚÇÉÓÎ×ÉÉÇÎØ×ÊÈÔ×ÚÇÉÓÎ×ÉÉÙÐÛÉÉÓÖÓÙÛÈÓÍÎÐÓÉÈ×ØÓÎ ÉÇÚÉ×ÙÈÓÍÎûÌÛÊÛÕÊÛÌÔ ÍÖÈÔÓÉÉ×ÙÈÓÍÎÓÉØ×ÉÓÕÎÛÈ×ØÛÉØÓÉÈÊÓÚÇÈÓÍÎÚÛÉ× ÖÍÊÌÇÊÌÍÉ×ÉÍÖÉ×ÙÈÓÍÎ õóÎÛØØÓÈÓÍÎÈÍÈÔ×ÊÛÈ×ÉÌÊ×ÉÙÊÓÚ×ØÚÃÉÇÚÉ×ÙÈÓÍÎûÍÖÈÔÓÉ É×ÙÈÓÍÎÓÖÛÌÌÊÍÆ×ØÚÃÈÔ×ËÇÛÐÓÖÓ×Ø×Ð×ÙÈÍÊÉÆÍÈÓÎÕÛÈÛÉÈÛÈ×ÅÓØ×Õ×Î×ÊÛÐ ×Ð×ÙÈÓÍÎÛÎÛØØÓÈÓÍÎÛÐÊÛÈ×ÓÎÙÊ×Ï×ÎÈÓÉÓÏÌÍÉ×ØÛÎØÉÔÛÐÐÚ×ÙÍÐÐ×ÙÈ×Ø ÈÔÊÍÇÕÔòÇÎ× èÔ×ÈÛÄÌÛÃ×ÊÉÔÛÐÐÌÛÃÈÛÄ×ÉÌÇÊÉÇÛÎÈÈÍÈÔÓÉ ÉÇÚÉ×ÙÈÓÍÎÛÈÈÔ×ÉÛÏ×ÈÓÏ×ÛÎØÓÎÈÔ×ÉÛÏ×ÏÛÎÎ×ÊÛÉÇÎØ×ÊÉÇÚÉ×ÙÈÓÍÎûÍÖ ÈÔÓÉÉ×ÙÈÓÍÎèÔ×Ø×ÌÛÊÈÏ×ÎÈÉÔÛÐÐÉ×ÌÛÊÛÈ×ÐÃÛÙÙÍÇÎÈÖÍÊÈÔ×Ê×Æ×ÎÇ×É ÙÍÐÐ×ÙÈ×ØÅÓÈÔÊ×ÉÌ×ÙÈÈÍÈÔ×ÊÛÈ×ÉÓÏÌÍÉ×ØÌÇÊÉÇÛÎÈÈÍÈÔÓÉÉÇÚÉ×ÙÈÓÍÎÛÎØ ÈÔ×ÉÈÛÈ×ÈÊ×ÛÉÇÊ×ÊÉÔÛÐÐØÓÉÈÊÓÚÇÈ×ÛÐÐÍÖÈÔÍÉ×Ê×Æ×ÎÇ×ÉÓÎÈÔ×ÏÛÎÎ×Ê ÌÊ×ÉÙÊÓÚ×ØÚÃÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎ÷èÔ×ÊÛÈ×ÉÓÏÌÍÉ×ØÌÇÊÉÇÛÎÈÈÍ ÈÔÓÉÉÇÚÉ×ÙÈÓÍÎÉÔÛÐÐÎÍÈÚ×ÙÍÎÉÓØ×Ê×ØÐÍÙÛÐÊ×Æ×ÎÇ×ÉÖÍÊÌÇÊÌÍÉ×ÉÍÖ ÛÊÈÓÙÐ×óäÉ×ÙÈÓÍÎ ùÍÎÉÈÓÈÇÈÓÍÎÍÖûÊÓÂÍÎÛèÔ×ÛØØÓÈÓÍÎÛÐÈÛÄÊÛÈ× Study Session - March 13, 2013 - Page 52 of 125 ôú ÓÎÙÊ×Ï×ÎÈÓÉÐ×ÆÓ×ØÛÈÈÔ×ÊÛÈ×ÍÖÉÓÄÈ×ÎÈÔÉÍÖÍÎ×Ì×ÊÙ×ÎÈÍÖÈÔ×ÈÛÄÚÛÉ× ÍÖ×Æ×ÊÃÌ×ÊÉÍÎ×ÎÕÛÕÓÎÕÍÊÙÍÎÈÓÎÇÓÎÕÓÎÈÔÓÉÉÈÛÈ×ÓÎÛÚÇÉÓÎ×ÉÉ ÙÐÛÉÉÓÖÓÙÛÈÓÍÎÐÓÉÈ×ØÓÎÉÇÚÉ×ÙÈÓÍÎûÌÛÊÛÕÊÛÌÔÍÖÈÔÓÉÉ×ÙÈÓÍÎ ôûÎÃÓÎÙÊ×ÛÉ×ÓÎÈÔ×ÊÛÈ×ÍÖÈÛÄÈÔÛÈÓÉÓÏÌÍÉ×ØÚÃÈÔÓÉÙÔÛÌÈ×ÊÛÎØ ÈÔÛÈÓÉ×ÎÛÙÈ×ØÚÃÈÔ×Ð×ÕÓÉÐÛÈÇÊ×ÍÊÚÃÛÆÍÈ×ÍÖÈÔ×Ì×ÍÌÐ×ØÍ×ÉÎÍÈÛÌÌÐÃ ÅÓÈÔÊ×ÉÌ×ÙÈÈÍÙÍÎÈÊÛÙÈÉ×ÎÈ×Ê×ØÓÎÈÍÚÃÌÊÓÏ×ÙÍÎÈÊÛÙÈÍÊÉÍÊÌÇÊÉÇÛÎÈÈÍ ÅÊÓÈÈ×ÎÚÓØÉÏÛØ×ÚÃÌÊÓÏ×ÙÍÎÈÊÛÙÈÍÊÉÍÎÍÊÚ×ÖÍÊ×ÈÔ××ÖÖ×ÙÈÓÆ×ØÛÈ×ÍÖÈÔ× Ð×ÕÓÉÐÛÈÓÍÎÍÊÈÔ×ØÛÈ×ÍÖÈÔ××Ð×ÙÈÓÍÎ×ÎÛÙÈÓÎÕÈÔ×ÓÎÙÊ×ÛÉ×èÍËÇÛÐÓÖÃ ÖÍÊÈÔ××Ä×ÏÌÈÓÍÎÇÎØ×ÊÈÔÓÉÉÇÚÉ×ÙÈÓÍÎÈÔ×ÌÊÓÏ×ÙÍÎÈÊÛÙÈÍÊÏÇÉÈÏÛÓÎÈÛÓÎ ÉÇÖÖÓÙÓ×ÎÈØÍÙÇÏ×ÎÈÛÈÓÍÎÓÎÛÏÛÎÎ×ÊÛÎØÖÍÊÏÌÊ×ÉÙÊÓÚ×ØÚÃÈÔ×Ø×ÌÛÊÈÏ×ÎÈ ÈÍÆ×ÊÓÖÃÈÔ×ØÛÈ×ÍÖÈÔ×ÙÍÎÈÊÛÙÈÍÊÅÊÓÈÈ×ÎÚÓØ óôöÍÊÈÛÄÌÛÃ×ÊÉÈÛÄÛÚÐ×ÇÎØ×ÊÈÔÓÉÙÔÛÌÈ×ÊÍÈÔ×ÊÈÔÛÎÌÊÓÏ× ÙÍÎÈÊÛÙÈÍÊÉÈÛÄÛÚÐ×ÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ ûÎÃÓÎÙÊ×ÛÉ×ÓÎÈÔ×ÊÛÈ×ÍÖÈÛÄÈÔÛÈÓÉÐ×ÆÓ×ØÚÃÈÔÓÉÛÊÈÓÙÐ×ÍÊ ÛÊÈÓÙÐ× ÍÖÈÔÓÉÙÔÛÌÈ×Ê×ÎÛÙÈ×ØÚÃÈÔ×Ð×ÕÓÉÐÛÈÇÊ×ÍÊÚÃÛÆÍÈ×ÍÖÈÔ× Ì×ÍÌÐ×ØÍ×ÉÎÍÈÛÌÌÐÃÖÍÊÛÌ×ÊÓÍØÍÖÍÎ×ÔÇÎØÊ×ØÈÅ×ÎÈÃØÛÃÉÖÊÍÏÈÔ×ØÛÈ× ÍÖÈÔ×ÈÛÄÊÛÈ×ÓÎÙÊ×ÛÉ×ÈÍÈÔ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ×ÖÊÍÏ ÈÔ×ÚÇÉÓÎ×ÉÉÍÖÈÔ×ÈÛÄÌÛÃ×ÊÅÓÈÔÊ×ÉÌ×ÙÈÈÍÅÊÓÈÈ×ÎÙÍÎÈÊÛÙÈÉ×ÎÈ×Ê×ØÓÎÈÍ Ú×ÖÍÊ×ÈÔ××ÖÖ×ÙÈÓÆ×ØÛÈ×ÍÖÈÔ×ÈÛÄÊÛÈ×ÓÎÙÊ×ÛÉ×ÇÎÐ×ÉÉÈÔ×ÈÛÄÌÛÃ×ÊÔÛÉ ×ÎÈ×Ê×ØÓÎÈÍÛÙÍÎÈÊÛÙÈÈÔÛÈÙÍÎÈÛÓÎÉÛÌÊÍÆÓÉÓÍÎÈÔÛÈ×ÎÈÓÈÐ×ÉÈÔ×ÈÛÄÌÛÃ×Ê ÈÍÊ×ÙÍÆ×ÊÖÊÍÏÈÔ×ÌÇÊÙÔÛÉ×ÊÈÔ×ÛÏÍÇÎÈÍÖÈÔ×ÛØØÓÈÓÍÎÛÐÈÛÄÐ×ÆÓ×Ø èÔ×ÌÊÍÆÓÉÓÍÎÉÍÖÈÔÓÉÉÇÚÉ×ÙÈÓÍÎÛÌÌÐÃÅÓÈÔÍÇÈÊ×ÕÛÊØÈÍÈÔ× ÛÙÙÍÇÎÈÓÎÕÏ×ÈÔÍØÇÉ×ØÚÃÈÔ×ÈÛÄÌÛÃ×ÊÈÍÊ×ÌÍÊÈÈÔ×ÈÛÄ×ÉÓÏÌÍÉ×ØÇÎØ×Ê ÛÊÈÓÙÐ× ÍÖÈÔÓÉÙÔÛÌÈ×Ê èÔ×ÌÊÍÆÓÉÓÍÎÉÍÖÈÔÓÉÉÇÚÉ×ÙÈÓÍÎÉÔÛÐÐÎÍÈÚ×ÙÍÎÉÓØ×Ê×ØÓÎ Ø×È×ÊÏÓÎÓÎÕÈÔ×ÊÛÈ×ÍÖÈÛÄÓÏÌÍÉ×ØÇÎØ×ÊÙÔÛÌÈ×ÊÛÊÈÓÙÐ× ÍÖÈÔÓÉÈÓÈÐ× òóâ×ÊÍÌ×ÊÙ×ÎÈÍÖÈÔ×ÈÛÄÊ×Æ×ÎÇ×ÉÈÔÛÈÛÊ×ÙÍÐÐ×ÙÈ×ØÛÈÈÔ× ÊÛÈ×ÌÊ×ÉÙÊÓÚ×ØÚÃÉÇÚÉ×ÙÈÓÍÎûÌÛÊÛÕÊÛÌÔÍÖÈÔÓÉÉ×ÙÈÓÍÎÖÊÍÏÌ×ÊÉÍÎÉÍÎ ÛÙÙÍÇÎÈÍÖ×ÎÕÛÕÓÎÕÓÎÚÇÉÓÎ×ÉÉÇÎØ×ÊÈÔ×ÚÇÉÓÎ×ÉÉÙÐÛÉÉÓÖÓÙÛÈÓÍÎÐÓÉÈ×ØÓÎ ÉÇÚÉ×ÙÈÓÍÎûÌÛÊÛÕÊÛÌÔÉÇÚØÓÆÓÉÓÍÎÔÐÍÖÈÔÓÉÉ×ÙÈÓÍÎÛÎØÈÔÛÈÛÊ× ÉÇÚÒ×ÙÈÈÍÛÎÃØÓÉÈÊÓÚÇÈÓÍÎÊ×ËÇÓÊ×ØÚÃÉ×ÙÈÓÍÎ ÓÉØ×ÉÓÕÎÛÈ×ØÛÉ ØÓÉÈÊÓÚÇÈÓÍÎÚÛÉ×ÖÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÉ×ÙÈÓÍÎ ÇÎÈÓÐÈÔ×ÈÍÈÛÐÛÏÍÇÎÈ ÉÇÚÒ×ÙÈÈÍØÓÉÈÊÓÚÇÈÓÍÎÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ ÔÛÉÊ×ÛÙÔ×ØÈÔ× ÏÛÄÓÏÇÏÛÏÍÇÎÈÌÊ×ÉÙÊÓÚ×ØÚÃÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎùèÔ×Ê×ÛÖÈ×Ê ÈÅ×ÎÈÃöíêèãÌ×ÊÙ×ÎÈÍÖÈÔ×Ê×ÏÛÓÎÓÎÕÈÛÄÊ×Æ×ÎÇ×ÉÓÉØ×ÉÓÕÎÛÈ×ØÛÉ ØÓÉÈÊÓÚÇÈÓÍÎÚÛÉ×ÖÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÉ×ÙÈÓÍÎ ÛÉÌÊÍÆÓØ×ØÚÃ ÉÇÚÉ×ÙÈÓÍÎúÍÖÈÔÓÉÉ×ÙÈÓÍÎ é×Ù é×ÙÈÓÍÎ ûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÓÉÛÏ×ÎØ×ØÈÍ Ê×ÛØ ê×ÏÓÉÉÓÍÎÛÎØØÓÉÈÊÓÚÇÈÓÍÎÍÖÏÍÎÓ×ÉØ×ÖÓÎÓÈÓÍÎ ûèÔ×Ø×ÌÛÊÈÏ×ÎÈÉÔÛÐÐØ×ÌÍÉÓÈÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎÉ ÛÎØ ÛÐÐÊ×Æ×ÎÇ×ÉÙÍÐÐ×ÙÈ×ØÇÎØ×ÊÈÔÓÉÛÊÈÓÙÐ×ÛÎØÛÊÈÓÙÐ×ÉÛÎØÍÖ ÈÔÓÉÙÔÛÌÈ×ÊÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ É×ÌÛÊÛÈ×ÐÃÛÙÙÍÇÎÈÓÎÕÖÍÊ ìÛÃÏ×ÎÈÉÍÖ×ÉÈÓÏÛÈ×ØÈÛÄÇÎØ×ÊÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎø ê×Æ×ÎÇ×ÉÙÍÐÐ×ÙÈ×ØÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ Study Session - March 13, 2013 - Page 53 of 125 ôú ê×Æ×ÎÇ×ÉÙÍÐÐ×ÙÈ×ØÇÎØ×ÊÈÔÓÉÛÊÈÓÙÐ×ÛÎØÛÊÈÓÙÐ×ÍÖÈÔÓÉÙÔÛÌÈ×Ê ÖÊÍÏÛÎØÛÖÈ×ÊòÇÎ× ÖÊÍÏÉÍÇÊÙ×ÉÐÍÙÛÈ×ØÍÎóÎØÓÛÎÊ×É×ÊÆÛÈÓÍÎÉÓÎ ÈÔÓÉÉÈÛÈ× ê×Æ×ÎÇ×ÉÙÍÐÐ×ÙÈ×ØÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ ÛÎØ É×ÙÈÓÍÎ ø÷ úèÔ×Ø×ÌÛÊÈÏ×ÎÈÉÔÛÐÐÙÊ×ØÓÈÌÛÃÏ×ÎÈÉÍÖ×ÉÈÓÏÛÈ×ØÈÛÄÈÍÛÎ ×ÉÈÓÏÛÈ×ØÈÛÄÙÐ×ÛÊÓÎÕÛÙÙÍÇÎÈÛÎØ×ÛÙÔÏÍÎÈÔÉÔÛÐÐÈÊÛÎÉÖ×ÊÛÐÐÏÍÎÓ×ÉÓÎ ÈÔ××ÉÈÓÏÛÈ×ØÈÛÄÙÐ×ÛÊÓÎÕÛÙÙÍÇÎÈÈÍÛÖÇÎØØ×ÉÓÕÎÛÈ×ØÛÉÈÔ×ÈÊÛÎÉÛÙÈÓÍÎ ÌÊÓÆÓÐ×Õ×ÛÎØÉ×Æ×ÊÛÎÙ×ÈÛÄÙÐ×ÛÊÓÎÕÛÙÙÍÇÎÈèÔ×Ø×ÌÛÊÈÏ×ÎÈÉÔÛÐÐÙÊ×ØÓÈ ÛÐÐÍÈÔ×ÊÌÛÃÏ×ÎÈÉÈÍÈÔ×ÈÊÛÎÉÛÙÈÓÍÎÌÊÓÆÓÐ×Õ×ÛÎØÉ×Æ×ÊÛÎÙ×ÈÛÄÙÐ×ÛÊÓÎÕ ÛÙÙÍÇÎÈÉ×ÌÛÊÛÈ×ÐÃÛÙÙÍÇÎÈÓÎÕÖÍÊÈÔ×ÏÍÎÓ×ÉØ×ÉÓÕÎÛÈ×ØÛÉØÓÉÈÊÓÚÇÈÓÍÎÚÛÉ× ÇÎØ×ÊÉ×ÙÈÓÍÎÉ ÛÎØ ÷ÛÙÔÏÍÎÈÔÈÔ× Ø×ÌÛÊÈÏ×ÎÈÉÔÛÐÐÊ×ÌÍÊÈÈÍÈÔ×ÉÈÛÈ×ÈÊ×ÛÉÇÊ×ÊÈÔ×ÛÏÍÇÎÈÍÖÏÍÎÓ×ÉÙÍÐÐ×ÙÈ×Ø ÌÇÊÉÇÛÎÈÈÍÈÔÓÉÛÊÈÓÙÐ×ÛÎØÛÊÈÓÙÐ×ÉÛÎØÍÖÈÔÓÉÙÔÛÌÈ×Ê ùíÎÎÍÈÓÖÓÙÛÈÓÍÎÚÃÈÔ×Ø×ÌÛÊÈÏ×ÎÈÈÔ×ÉÈÛÈ×ÈÊ×ÛÉÇÊ×ÊÉÔÛÐÐ ØÓÉÈÊÓÚÇÈ×ÈÔ×ÏÍÎÓ×ÉØ×ÌÍÉÓÈ×ØÓÎÈÔ×ÈÊÛÎÉÛÙÈÓÍÎÌÊÓÆÓÐ×Õ×ÛÎØÉ×Æ×ÊÛÎÙ× ÈÛÄÙÐ×ÛÊÓÎÕÛÙÙÍÇÎÈÓÎÈÔ×ÏÛÎÎ×ÊÌÊ×ÉÙÊÓÚ×ØÚÃÈÔÓÉÉ×ÙÈÓÍÎÛÎØÚÃÉ×ÙÈÓÍÎÉ ÛÎØ ÛÖÈ×ÊØ×ØÇÙÈÓÎÕÅÛÊÊÛÎÈÉØÊÛÅÎÛÕÛÓÎÉÈÈÔ× ÛÙÙÍÇÎÈÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎÉ ÛÎØ øíÖÈÔ×ÏÍÎÓ×ÉØ×ÉÓÕÎÛÈ×ØÛÉØÓÉÈÊÓÚÇÈÓÍÎÚÛÉ×ÈÔ×Ø×ÌÛÊÈÏ×ÎÈÉÔÛÐÐ ìÛÃÈÅ×ÎÈÃÖÓÆ×Ì×ÊÙ×ÎÈÈÍÈÔ×ÆÛÊÓÍÇÉÓÎÙÍÊÌÍÊÛÈ×ØÏÇÎÓÙÓÌÛÐÓÈÓ×É ÓÎÈÔÓÉÉÈÛÈ×ÓÎÌÊÍÌÍÊÈÓÍÎÈÍÈÔ×ÓÊÌÍÌÇÐÛÈÓÍÎÈÍÚ×ÇÉ×ØÚÃÈÔ× ÏÇÎÓÙÓÌÛÐÓÈÓ×ÉÖÍÊÛÎÃÏÇÎÓÙÓÌÛÐÌÇÊÌÍÉ× ìÛÃ Ì×ÊÙ×ÎÈÈÍÈÔ×ÙÍÇÎÈÓ×ÉÓÎÈÔÓÉÉÈÛÈ×ÚÃÛÆ×ÊÛÕÓÎÕÈÔ× ÖÍÐÐÍÅÓÎÕÌÊÍÌÍÊÈÓÍÎÉ ÛèÔ×ÌÊÍÌÍÊÈÓÍÎÈÔÛÈÈÔ×ÌÍÌÇÐÛÈÓÍÎÍÖ×ÛÙÔÙÍÇÎÈÃÚ×ÛÊÉÈÍÈÔ× ÈÍÈÛÐÉÈÛÈ×ÌÍÌÇÐÛÈÓÍÎ ÚèÔ×ÌÊÍÌÍÊÈÓÍÎÈÔÛÈÈÔ×ØÓÉÈÊÓÚÇÈÓÍÎÚÛÉ×ÏÍÎÓ×ÉÙÍÐÐ×ÙÈ×ØØÇÊÓÎÕ ÈÔ×ÙÛÐ×ÎØÛÊÏÍÎÈÔÓÎ×ÛÙÔÙÍÇÎÈÃÇÎØ×ÊÈÔÓÉÛÊÈÓÙÐ×É×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎúÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎúÛÎØÉ×ÙÈÓÍÎ Ú×ÛÊÈÍÈÔ× ÈÍÈÛÐØÓÉÈÊÓÚÇÈÓÍÎÚÛÉ×ÏÍÎÓ×ÉÙÍÐÐ×ÙÈ×ØÇÎØ×ÊÈÔÓÉÛÊÈÓÙÐ×É×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎúÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎúÛÎØÉ×ÙÈÓÍÎ ÈÔÊÍÇÕÔÍÇÈ ÈÔ×ÉÈÛÈ×ÖÍÊÈÔ×ÙÛÐ×ÎØÛÊÏÍÎÈÔ ìÛÃÛÎÛØØÓÈÓÍÎÛÐ Ì×ÊÙ×ÎÈÈÍÈÔ×ÙÍÇÎÈÓ×ÉÓÎÈÔÓÉÉÈÛÈ×ÛÉ ÖÍÐÐÍÅÉ ÛûÆ×ÊÛÕ×ÈÔ×ÖÍÐÐÍÅÓÎÕÌÊÍÌÍÊÈÓÍÎÉ ÓèÔ×ÌÊÍÌÍÊÈÓÍÎÈÔÛÈÈÔ×ÛÉÉ×ÉÉ×ØÆÛÐÇÛÈÓÍÎÇÉ×ØÈÍØ×È×ÊÏÓÎ× É×ÙÍÎØÛÊÃÌÊÍÌ×ÊÈÃÈÛÄ×ÉÍÖ×ÛÙÔÙÍÇÎÈÃÛÖÈ×ÊØ×ØÇÙÈÓÎÕÈÔÛÈÌÛÊÈÍÖÈÔ× ÛÉÉ×ÉÉ×ØÆÛÐÇÛÈÓÍÎÈÔÛÈÓÉ×Ä×ÏÌÈÖÊÍÏÈÛÄÛÈÓÍÎÛÈÈÔ×Ú×ÕÓÎÎÓÎÕÍÖÈÔ×ÏÍÎÈÔ ÖÍÊÅÔÓÙÔÈÔ×ÛÏÍÇÎÈÓÉÈÍÚ×ÌÛÓØÚ×ÛÊÉÈÍÈÔ×ÈÍÈÛÐÛÉÉ×ÉÉ×ØÆÛÐÇÛÈÓÍÎÉ ÇÉ×ØÈÍØ×È×ÊÏÓÎ×É×ÙÍÎØÛÊÃÌÊÍÌ×ÊÈÃÈÛÄ×ÉÍÖÛÐÐÈÔ×ÙÍÇÎÈÓ×ÉÛÖÈ×Ê Ø×ØÇÙÈÓÎÕÈÔÛÈÌÍÊÈÓÍÎÍÖÈÔ×ÛÉÉ×ÉÉ×ØÆÛÐÇÛÈÓÍÎÉÈÔÛÈÓÉ×Ä×ÏÌÈÖÊÍÏ ÈÛÄÛÈÓÍÎÛÈÈÔ×Ú×ÕÓÎÎÓÎÕÍÖÈÔ×ÏÍÎÈÔÖÍÊÅÔÓÙÔÈÔ×ÛÏÍÇÎÈÓÉÈÍÚ×ÌÛÓØ ìÊÍÌ×ÊÈÃÍÖÛÙÓÈÃÍÊÈÍÅÎÈÔÛÈÓÉÎÍÈÅÓÈÔÓÎÍÊÙÍÎÈÓÕÇÍÇÉÈÍÈÔ×ÏÇÎÓÙÓÌÛÐ ÙÍÊÌÍÊÛÈ×ÚÍÇÎØÛÊÓ×ÉÛÎØÖÊÍÏÅÔÓÙÔÅÛÈ×ÊÓÉÍÊÏÛÃÚ×ÅÓÈÔØÊÛÅÎÍÊØÓÆ×ÊÈ×Ø Study Session - March 13, 2013 - Page 54 of 125 ôú ÛÎØÈÊÛÎÉÌÍÊÈ×ØÖÍÊÇÉ×ÍÎÍÈÔ×ÊÌÊÍÌ×ÊÈÃÓÉÙÍÎÉÓØ×Ê×ØÈÍÚ×ÈÛÄÛÚÐ× ÌÊÍÌ×ÊÈÃÓÎÈÔ×ÙÍÇÎÈÃÖÍÊÌÇÊÌÍÉ×ÉÍÖØ×È×ÊÏÓÎÓÎÕÛÉÉ×ÉÉ×ØÆÛÐÇÛÈÓÍÎÓÎÈÔ× ÙÍÇÎÈÃÇÎØ×ÊÈÔÓÉÓÈ×Ï ÓÓèÔ×ÌÊÍÌÍÊÈÓÍÎÈÔÛÈÈÔ×ØÓÉÈÊÓÚÇÈÓÍÎÚÛÉ×ÏÍÎÓ×ÉÙÍÐÐ×ÙÈ×ØØÇÊÓÎÕ ÈÔ×ÙÛÐ×ÎØÛÊÏÍÎÈÔÓÎ×ÛÙÔÙÍÇÎÈÃÇÎØ×ÊÈÔÓÉÛÊÈÓÙÐ×É×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎúÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎúÛÎØÉ×ÙÈÓÍÎ Ú×ÛÊÈÍÈÔ× ÈÍÈÛÐØÓÉÈÊÓÚÇÈÓÍÎÚÛÉ×ÏÍÎÓ×ÉÙÍÐÐ×ÙÈ×ØÇÎØ×ÊÈÔÓÉÛÊÈÓÙÐ×É×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎúÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎúÛÎØÉ×ÙÈÓÍÎ ÈÔÊÍÇÕÔÍÇÈ ÈÔ×ÉÈÛÈ×ÖÍÊÈÔ×ÙÛÐ×ÎØÛÊÏÍÎÈÔ ÚóÖÈÔ×ÌÊÍÌÍÊÈÓÍÎÙÍÏÌÇÈ×ØÇÎØ×ÊÉÇÚØÓÆÓÉÓÍÎÛÍÖÈÔÓÉÌÛÊÛÕÊÛÌÔ ÖÍÊÛÎÃÙÍÇÎÈÃÓÉÕÊ×ÛÈ×ÊÈÔÛÎÈÔ×ÌÊÍÌÍÊÈÓÍÎÙÍÏÌÇÈ×ØÇÎØ×ÊÌÛÊÛÕÊÛÌÔ ÍÖ ÈÔÓÉÉÇÚÉ×ÙÈÓÍÎÈÔ×Ø×ÌÛÊÈÏ×ÎÈÉÔÛÐÐÙÍÏÌÇÈ×ÈÔ×ØÓÖÖ×Ê×ÎÙ×Ú×ÈÅ××ÎÈÔ× ÛÏÍÇÎÈØÓÉÈÊÓÚÇÈ×ØÈÍÈÔÛÈÙÍÇÎÈÃÇÎØ×ÊÌÛÊÛÕÊÛÌÔ ÍÖÈÔÓÉÉÇÚÉ×ÙÈÓÍÎÛÎØ ÈÔ×ÛÏÍÇÎÈÈÔÛÈÅÍÇÐØÔÛÆ×Ú××ÎØÓÉÈÊÓÚÇÈ×ØÇÎØ×ÊÌÛÊÛÕÊÛÌÔ ÍÖÈÔÓÉ ÉÇÚÉ×ÙÈÓÍÎÇÉÓÎÕÈÔ×ÌÊÍÌÍÊÈÓÍÎÙÍÏÌÇÈ×ØÇÎØ×ÊÉÇÚØÓÆÓÉÓÍÎÛÍÖÈÔÓÉ ÌÛÊÛÕÊÛÌÔÛÎØÉÔÛÐÐÌÛÃÈÔÛÈØÓÖÖ×Ê×ÎÙ×ÈÍÈÔ×ÙÍÇÎÈÃÖÊÍÏÈÔ×ÛÏÍÇÎÈ ÛÆÛÓÐÛÚÐ×ÖÍÊØÓÉÈÊÓÚÇÈÓÍÎÇÎØ×ÊÈÔÓÉÌÛÊÛÕÊÛÌÔûÎÃÏÍÎÓ×ÉÊ×ÏÛÓÎÓÎÕÛÖÈ×Ê ÛÐÐÌÛÃÏ×ÎÈÉÇÎØ×ÊÈÔÓÉÉÇÚØÓÆÓÉÓÍÎÉÔÛÐÐÚ×ØÓÉÈÊÓÚÇÈ×ØÛÏÍÎÕÈÔ×ÙÍÇÎÈÓ×É ÛÙÙÍÊØÓÎÕÈÍÈÔ×ÌÊÍÌÍÊÈÓÍÎÉÙÍÏÌÇÈ×ØÇÎØ×ÊÌÛÊÛÕÊÛÌÔ ÍÖÈÔÓÉÉÇÚÉ×ÙÈÓÍÎ ûÖÈ×ÊÛÎÃØÓÉÈÊÓÚÇÈÓÍÎÉÊ×ËÇÓÊ×ØÚÃÉ×ÙÈÓÍÎÉ ÛÎØ ÈÊÛÎÉÖ×ÊÈÍ ÈÔ×ÅÛÈ×ÊËÇÛÐÓÈÃÛÉÉÇÊÛÎÙ×Ê×ÆÍÐÆÓÎÕÖÇÎØÛÉÊ×ËÇÓÊ×ØÚÃÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎúÙÊ×ØÓÈÈÔ×Ê×ÏÛÓÎØ×ÊÍÖÈÔ×ÏÍÎÓ×ÉØ×ÉÓÕÎÛÈ×ØÛÉØÓÉÈÊÓÚÇÈÓÍÎ ÚÛÉ×ÈÍÈÔ×ÉÈÛÈ×Õ×Î×ÊÛÐÖÇÎØöÊÍÏÈÔÓÉÛÏÍÇÎÈÈÔ×Ð×ÕÓÉÐÛÈÇÊ×ÉÔÛÐÐ ÛÎÎÇÛÐÐÃÛÌÌÊÍÌÊÓÛÈ×ÈÍ ÛèÔ×Ø×ÌÛÊÈÏ×ÎÈÍÖÊ×Æ×ÎÇ×ÉÇÖÖÓÙÓ×ÎÈÏÍÎÓ×ÉÈÍÛØÏÓÎÓÉÈ×ÊÛÎØ ×ÎÖÍÊÙ×ÈÔÓÉÛÊÈÓÙÐ×ÛÎØÛÊÈÓÙÐ×ÉÛÎØÍÖÈÔÓÉÙÔÛÌÈ×Ê ÚèÔ×Ø×ÌÛÊÈÏ×ÎÈÍÖ×ÙÍÎÍÏÓÙÉ×ÙÇÊÓÈÃÏÍÎÓ×ÉÈÍÚ×ÇÉ×ØÖÍÊÈÔ× ÌÇÊÌÍÉ×ÉÉÈÛÈ×ØÓÎÈÓÈÐ×ÙÔÛÌÈ×Ê ÙèÔ×ÖÓÊ×ÛÊÏÉÉÛÖ×ÈÃÛÎØÊÛÎÕ×ÉÖÇÎØ×ÉÈÛÚÐÓÉÔ×ØÚÃÉ×ÙÈÓÍÎ ÖÓÖÈÃÈÔÍÇÉÛÎØØÍÐÐÛÊÉØ×ÊÓÆ×ØÖÊÍÏÈÔ×ÈÛÄ×ÉÙÍÐÐ×ÙÈ×ØÖÊÍÏÈÔ×Ê×ÈÛÓÐ ÙÐÛÉÉÓÖÓÙÛÈÓÍÎÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ ÖÍÊÈÔ×ÙÇÊÊ×ÎÈÖÓÉÙÛÐÃ×ÛÊ ÷óÖÛÌÌÊÍÆ×ØÚÃÈÔ×ËÇÛÐÓÖÓ×Ø×Ð×ÙÈÍÊÉÆÍÈÓÎÕÛÈÛÉÈÛÈ×ÅÓØ×Õ×Î×ÊÛÐ ×Ð×ÙÈÓÍÎÛÐÐÏÍÎÓ×ÉÙÍÐÐ×ÙÈ×ØÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ ÛÎØ É×ÙÈÓÍÎ ø ÷ÉÔÛÐÐÚ×ØÓÉÈÊÓÚÇÈ×Ø×ÛÙÔÖÓÉÙÛÐÃ×ÛÊ ÌÇÊÉÇÛÎÈÈÍÈÔÓÉÉÇÚÉ×ÙÈÓÍÎèÔ×ÏÍÎÓ×ÉØÓÉÈÊÓÚÇÈ×ØÌÇÊÉÇÛÎÈÈÍÈÔÓÉ ÉÇÚÉ×ÙÈÓÍÎÛÊ×ÓÎÛØØÓÈÓÍÎÈÍÛÎÃÍÈÔ×ÊÛÌÌÊÍÌÊÓÛÈÓÍÎÈÊÛÎÉÖ×ÊÍÊÍÈÔ×Ê ÛÐÐÍÙÛÈÓÍÎÍÖÌÇÚÐÓÙÍÊÌÊÓÆÛÈ×ÏÍÎÓ×ÉÖÊÍÏÛÎÃÍÈÔ×ÊÉÍÇÊÙ×ÛÎØÉÔÛÐÐÎÍÈ ÉÇÌÌÐÛÎÈÊ×ÌÐÛÙ×ÍÊÙÛÇÉ×ÛÊ×ØÇÙÈÓÍÎÓÎÍÈÔ×ÊÉÙÔÍÍÐØÓÉÈÊÓÙÈÙÔÛÊÈ×Ê ÉÙÔÍÍÐÇÎÓÆ×ÊÉÓÈÃÍÊÙÍÏÏÇÎÓÈÃÙÍÐÐ×Õ×ÖÇÎØÓÎÕÉÍÇÊÙ×ÉèÔ×ÏÍÎÓ×ÉÉÔÛÐÐÚ× ØÓÉÈÊÓÚÇÈ×ØÛÉÖÍÐÐÍÅÉ óÖÈÔ×Ê×ÛÊ×ÍÇÈÉÈÛÎØÓÎÕÉÈÛÈ×ÉÙÔÍÍÐÖÛÙÓÐÓÈÓ×ÉÊ×Æ×ÎÇ×ÚÍÎØÉ ÌÇÊÉÇÛÎÈÈÍÈÓÈÐ×ÙÔÛÌÈ×ÊÛÊÈÓÙÐ××ÛÙÔÏÍÎÈÔÍÎ×ÈÅ×ÐÖÈÔÍÖÈÔ× ÛÏÍÇÎÈÈÔÛÈÓÉÎ×Ù×ÉÉÛÊÃÈÍÌÛÃÈÔ×ÖÓÉÙÛÐÃ×ÛÊÉØ×ÚÈÉ×ÊÆÓÙ×ÍÎÍÇÈÉÈÛÎØÓÎÕ ÉÈÛÈ×ÉÙÔÍÍÐÓÏÌÊÍÆ×Ï×ÎÈÊ×Æ×ÎÇ×ÚÍÎØÉÖÍÊÈÔ×ÙÇÊÊ×ÎÈÖÓÉÙÛÐÃ×ÛÊÉÔÛÐÐÚ× Study Session - March 13, 2013 - Page 55 of 125 ôú ÈÊÛÎÉÖ×ÊÊ×Ø×ÛÙÔÏÍÎÈÔÈÍÈÔ×ÉÙÔÍÍÐÓÏÌÊÍÆ×Ï×ÎÈÊ×Æ×ÎÇ×ÚÍÎØØ×ÚÈÉ×ÊÆÓÙ× ÖÇÎØ×ÉÈÛÚÐÓÉÔ×ØÚÃÉ×ÙÈÓÍÎ èÔ×ÈÍÈÛÐÛÏÍÇÎÈÍÖÚÍÎØÉÖÍÊÅÔÓÙÔ ÈÔ×É×ÏÍÎÓ×ÉÏÛÃÚ×ÛÐÐÍÙÛÈ×ØÖÍÊÈÔ×ÌÛÃÏ×ÎÈÍÖØ×ÚÈÉ×ÊÆÓÙ×ÉÔÛÐÐÎÍÈ ×ÄÙ××ØÛÌÊÓÎÙÓÌÛÐÛÏÍÇÎÈÍÖ×ÓÕÔÈÔÇÎØÊ×ØÏÓÐÐÓÍÎØÍÐÐÛÊÉ×ÄÙÐÇÉÓÆ×ÍÖ Ê×ÖÇÎØÓÎÕÚÍÎØÉÛÎØÍÈÔ×ÊÊ×ÖÓÎÛÎÙÓÎÕÍÚÐÓÕÛÈÓÍÎÉ ûÖÈ×ÊÛÎÃÈÊÛÎÉÖ×ÊÍÖÏÍÎÓ×ÉÌÇÊÉÇÛÎÈÈÍÌÛÊÛÕÊÛÌÔÍÖÈÔÓÉ ÉÇÚÉ×ÙÈÓÍÎÈÅ×ÐÆ×Ì×ÊÙ×ÎÈÍÖÈÔ×Ê×ÏÛÓÎÓÎÕÏÍÎÓ×ÉÙÍÐÐ×ÙÈ×ØØÇÊÓÎÕÈÔ× ÌÊ×Ù×ØÓÎÕÏÍÎÈÔÉÔÛÐÐÚ×ÈÊÛÎÉÖ×ÊÊ×ØÈÍÈÔ×È×ÙÔÎÍÐÍÕÃÛÎØÊ×É×ÛÊÙÔ ÓÎÓÈÓÛÈÓÆ×ÖÇÎØ×ÉÈÛÚÐÓÉÔ×ØÚÃÉ×ÙÈÓÍÎÈÍÚ×ØÓÉÈÊÓÚÇÈ×ØÛÏÍÎÕÈÔ× ÇÎÓÆ×ÊÉÓÈÓ×ÉÖÍÊÈÔ×ÌÇÊÌÍÉ×ÍÖÓÎÆ×ÉÈÏ×ÎÈÓÎÈ×ÙÔÎÍÐÍÕÃÛÎØÊ×É×ÛÊÙÔÚÛÉ×Ø ÓÎÓÈÓÛÈÓÆ×É ûÖÈ×ÊÈÔ×ÈÊÛÎÉÖ×ÊÍÖÏÍÎÓ×ÉÌÇÊÉÇÛÎÈÈÍÌÛÊÛÕÊÛÌÔÍÖÈÔÓÉ ÉÇÚÉ×ÙÈÓÍÎÈÔÊ××Ì×ÊÙ×ÎÈÍÖÈÔ×Ê×ÏÛÓÎÓÎÕÏÍÎÓ×ÉÙÍÐÐ×ÙÈ×ØØÇÊÓÎÕÈÔ× ÌÊ×Ù×ØÓÎÕÏÍÎÈÔÉÔÛÐÐÚ×ÈÊÛÎÉÖ×ÊÊ×ØÈÍÈÔ×ÅÍÊÑÖÍÊÙ×Ø×Æ×ÐÍÌÏ×ÎÈÛÙÙÍÇÎÈ ×ÉÈÛÚÐÓÉÔ×ØÓÎ×ÛÙÔÙÍÏÏÇÎÓÈÃÙÍÐÐ×Õ×ØÓÉÈÊÓÙÈÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ ÖÍÊÈÔ×ÌÇÊÌÍÉ×ÍÖÓÎÆ×ÉÈÏ×ÎÈÓÎÅÍÊÑÖÍÊÙ×Ø×Æ×ÐÍÌÏ×ÎÈÌÊÍÕÊÛÏÉ ûÖÈ×ÊÈÊÛÎÉÖ×ÊÊÓÎÕÏÍÎÓ×ÉÌÇÊÉÇÛÎÈÈÍÌÛÊÛÕÊÛÌÔÉ ÛÎØ ÍÖÈÔÓÉ ÉÇÚÉ×ÙÈÓÍÎÍÎ×ÈÅ×ÐÖÈÔÍÖÈÔ×ÛÏÍÇÎÈÛÙÍÏÏÇÎÓÈÃÙÍÐÐ×Õ×ÈÔÛÈÓÉÍÅÎ×Ø ÍÌ×ÊÛÈ×ØÍÊÙÔÛÊÈ×Ê×ØÚÃÛËÇÛÐÓÖÃÓÎÕóÎØÓÛÎÈÊÓÚ×ÍÎÓÈÉÍÅÎóÎØÓÛÎ Ê×É×ÊÆÛÈÓÍÎÅÍÇÐØÊ×Ù×ÓÆ×ÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎø ÌÛÊÛÕÊÛÌÔ ÓÖÓÈÅ×Ê×ÛÙÍÏÏÇÎÓÈÃÙÍÐÐ×Õ×ØÓÉÈÊÓÙÈÉÔÛÐÐÚ×ØÓÉÈÊÓÚÇÈ×Ø×ÛÙÔ ÏÍÎÈÔÈÍÈÔ×ÈÊ×ÛÉÇÊ×ÊÍÊÍÈÔ×ÊØ×ÉÓÕÎÛÈ×ØØ×ÌÍÉÓÈÍÊÃÍÖÛËÇÛÐÓÖÃÓÎÕóÎØÓÛÎ ÈÊÓÚ×ïÍÎÓ×ÉØÓÉÈÊÓÚÇÈ×ØÌÇÊÉÇÛÎÈÈÍÈÔÓÉÌÛÊÛÕÊÛÌÔÛÊ×ÖÍÊÈÔ××ÄÙÐÇÉÓÆ× ÌÇÊÌÍÉ×ÍÖÌÊÍÆÓØÓÎÕÉÇÌÌÍÊÈÈÍÍÎ×ÍÊÏÍÊ×ÙÍÏÏÇÎÓÈÃÙÍÐÐ×Õ×ÉÍÅÎ×Ø ÍÌ×ÊÛÈ×ØÍÊÙÔÛÊÈ×Ê×ØÚÃÛËÇÛÐÓÖÃÓÎÕóÎØÓÛÎÈÊÓÚ×ÛÎØÉÔÛÐÐÚ×ÇÉ×ØÓÎÛ ÏÛÎÎ×ÊÙÍÎÉÓÉÈ×ÎÈÅÓÈÔÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎúöÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖ ÈÔÓÉÌÛÊÛÕÊÛÌÔËÇÛÐÓÖÃÓÎÕóÎØÓÛÎÈÊÓÚ×ÔÛÉÈÔ×ÉÛÏ×Ï×ÛÎÓÎÕÛÉØ×ÖÓÎ×ØÓÎ É×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎø ûÖÈ×ÊÈÊÛÎÉÖ×ÊÊÓÎÕÏÍÎÓ×ÉÌÇÊÉÇÛÎÈÈÍÌÛÊÛÕÊÛÌÔÉ ÛÎØ ÍÖÈÔÓÉ ÉÇÚÉ×ÙÈÓÍÎÍÎ×ÈÅ×ÐÖÈÔÍÖÈÔ×ÖÍÐÐÍÅÓÎÕÛÏÍÇÎÈÉÉÔÛÐÐÚ×ÈÊÛÎÉÖ×ÊÊ×Ø×ÛÙÔ ÏÍÎÈÔÈÍÈÔ×Ø×ÌÛÊÈÏ×ÎÈÍÖ×ØÇÙÛÈÓÍÎÖÍÊÈÔ×ÓÎÙÊ×ÛÉ×ØÙÍÉÈÍÖÚÛÉÓÙÉÈÛÈ× ÛÓØÇÎØ×ÊÉ×ÙÈÓÍÎØÇ×ÈÍÛØØ×ØÉÙÔÍÍÐØÛÃÉÛÎØÛÉÉÍÙÓÛÈ×ØÈ×ÛÙÔ×Ê ÉÛÐÛÊÃÓÎÙÊ×ÛÉ×É×ÎÛÙÈ×ØÓÎ ÛóÎÖÓÉÙÛÐÃ×ÛÊ ÚóÎÖÓÉÙÛÐÃ×ÛÊ ÙóÎÖÓÉÙÛÐÃ×ÛÊ ØóÎÖÓÉÙÛÐÃ×ÛÊ ×óÎÖÓÉÙÛÐÃ×ÛÊ ÛÎØ×ÛÙÔÖÓÉÙÛÐÃ×ÛÊÈÔ×Ê×ÛÖÈ×Ê ûÖÈ×ÊÈÊÛÎÉÖ×ÊÊÓÎÕÏÍÎÓ×ÉÌÇÊÉÇÛÎÈÈÍÌÛÊÛÕÊÛÌÔÉ ÛÎØ ÍÖÈÔÓÉ ÉÇÚÉ×ÙÈÓÍÎÉ×Æ×ÎÏÓÐÐÓÍÎ×ÓÕÔÈÔÇÎØÊ×ØÈÔÍÇÉÛÎØØÍÐÐÛÊÉÓÉÛÌÌÊÍÌÊÓÛÈ×Ø×ÛÙÔ ÖÓÉÙÛÐÃ×ÛÊÈÍÚ×ÌÛÓØÓÎÏÍÎÈÔÐÃÓÎÉÈÛÐÐÏ×ÎÈÉÈÍÈÔ×Ø×ÌÛÊÈÏ×ÎÈÍÖ ×ØÇÙÛÈÓÍÎÈÍÚ×ÇÉ×ØÖÍÊÉÙÔÍÍÐÉÛÖ×ÈÃÛÉÌÊÍÆÓØ×ØÓÎÉ×ÙÈÓÍÎÛÎØÈÅÍ ÔÇÎØÊ×ØÈÔÍÇÉÛÎØØÍÐÐÛÊÉÓÉÛÌÌÊÍÌÊÓÛÈ×Ø×ÛÙÔÖÓÉÙÛÐÃ×ÛÊÈÍÚ×ÌÛÓØÓÎ Study Session - March 13, 2013 - Page 56 of 125 ôú ÏÍÎÈÔÐÃÓÎÉÈÛÐÐÏ×ÎÈÉÈÍÈÔ×Ø×ÌÛÊÈÏ×ÎÈÍÖ×ØÇÙÛÈÓÍÎÈÍÚ×ÇÉ×ØÖÍÊÈÔ× ÙÔÛÊÛÙÈ×Ê×ØÇÙÛÈÓÍÎÏÛÈÙÔÓÎÕÕÊÛÎÈÌÊÍÕÊÛÏÛÉÌÊÍÆÓØ×ØÓÎÉ×ÙÈÓÍÎ ûÖÈ×ÊÈÊÛÎÉÖ×ÊÊÓÎÕÏÍÎÓ×ÉÌÇÊÉÇÛÎÈÈÍÌÛÊÛÕÊÛÌÔÉ ÛÎØ ÍÖÈÔÓÉ ÉÇÚÉ×ÙÈÓÍÎÎÍÏÍÊ×ÈÔÛÎÉ×Æ×ÎÏÓÐÐÓÍÎØÍÐÐÛÊÉÏÛÃÚ×ÛÌÌÊÍÌÊÓÛÈ×ØÚÃÈÔ× Ð×ÕÓÉÐÛÈÇÊ××ÛÙÔÖÓÉÙÛÐÃ×ÛÊÈÍÈÔ×Ø×ÌÛÊÈÏ×ÎÈÍÖ×ØÇÙÛÈÓÍÎÈÍÚ×ÇÉ×ØÖÍÊ ÛÙÙÍÇÎÈÛÚÓÐÓÈÃÌÇÊÌÍÉ×ÉÛÉØ×ÉÙÊÓÚ×ØÓÎÉ×ÙÈÓÍÎ ÛÎØÈÓÈÐ×ÙÔÛÌÈ×Ê ÛÊÈÓÙÐ× ûÖÈ×ÊÈÊÛÎÉÖ×ÊÊÓÎÕÏÍÎÓ×ÉÌÇÊÉÇÛÎÈÈÍÌÛÊÛÕÊÛÌÔÉ ÛÎØ ÍÖÈÔÓÉ ÉÇÚÉ×ÙÈÓÍÎÍÎ×ÏÓÐÐÓÍÎÖÓÆ×ÔÇÎØÊ×ØÈÔÍÇÉÛÎØØÍÐÐÛÊÉÓÉÛÌÌÊÍÌÊÓÛÈ×Ø×ÛÙÔ ÖÓÉÙÛÐÃ×ÛÊÈÍÚ×ÌÛÓØÓÎÏÍÎÈÔÐÃÓÎÉÈÛÐÐÏ×ÎÈÉÈÍÈÔ×ÖÛÓÐÓÎÕÉÙÔÍÍÐÉ ÈÇÈÍÊÓÎÕÖÇÎØ×ÉÈÛÚÐÓÉÔ×ØÚÃÉ×ÙÈÓÍÎ ûÖÈ×ÊÈÊÛÎÉÖ×ÊÊÓÎÕÏÍÎÓ×ÉÌÇÊÉÇÛÎÈÈÍÌÛÊÛÕÊÛÌÔÉ ÛÎØ ÍÖÈÔÓÉ ÉÇÚÉ×ÙÈÓÍÎÈÅ×ÎÈÃÖÓÆ×ÏÓÐÐÓÍÎØÍÐÐÛÊÉÉÔÛÐÐÚ×ÈÊÛÎÉÖ×ÊÊ×Ø×ÛÙÔÖÓÉÙÛÐÃ×ÛÊ ÈÍÈÔ×ÉÈÛÈ×Õ×Î×ÊÛÐÖÇÎØÈÍÊ×ÓÏÚÇÊÉ×ÈÔ×Õ×Î×ÊÛÐÖÇÎØÖÍÊÈÔ×ÙÍÉÈÍÖÈÔ× ÓÎÙÍÏ×ÈÛÄÙÊ×ØÓÈÛÐÐÍÅ×ØÚÃÉ×ÙÈÓÍÎ ûÖÈ×ÊÈÔ×ÌÛÃÏ×ÎÈÍÖÏÍÎÓ×ÉÌÇÊÉÇÛÎÈÈÍÌÛÊÛÕÊÛÌÔÉÈÔÊÍÇÕÔÍÖ ÈÔÓÉÉÇÚÉ×ÙÈÓÍÎÈÔ×Ê×ÏÛÓÎÓÎÕÏÍÎÓ×ÉÙÍÐÐ×ÙÈ×ØØÇÊÓÎÕÈÔ×ÌÊ×Ù×ØÓÎÕÏÍÎÈÔ ÉÔÛÐÐÚ×ÈÊÛÎÉÖ×ÊÊ×ØÈÍÈÔ×ÙÐÛÉÉÊÍÍÏÉÓÈ×ÖÇÎØ×ÉÈÛÚÐÓÉÔ×ØÚÃÉ×ÙÈÓÍÎ èÔ×ÏÍÎÓ×ÉÉÔÛÐÐÚ×ÛÐÐÍÙÛÈ×ØÛÉÖÍÐÐÍÅÉÓÎÈÔ×ÏÛÎÎ×ÊÌÊ×ÉÙÊÓÚ×ØÚÃ É×ÙÈÓÍÎ ÛöÍÊÈÃÌ×ÊÙ×ÎÈÉÔÛÐÐÚ×ÛÐÐÍÙÛÈ×ØÖÍÊÈ×ÛÙÔ×ÊÙÍÏÌ×ÎÉÛÈÓÍÎÚÛÉ×Ø ÍÎÌ×ÊÖÍÊÏÛÎÙ× ÚèÅ×ÎÈÃÌ×ÊÙ×ÎÈÉÔÛÐÐÚ×ÛÐÐÍÙÛÈ×ØÖÍÊÓÎÙÊ×ÛÉ×ÉÓÎÈ×ÛÙÔ×ÊÚÛÉ× ÙÍÏÌ×ÎÉÛÈÓÍÎÛÎØ×ÏÌÐÍÃ××Ê×ÐÛÈ×Ø×ÄÌ×ÎÉ×É ÙöÍÊÈÃÌ×ÊÙ×ÎÈÉÔÛÐÐÚ×ÛÐÐÍÙÛÈ×ØÖÍÊÏÛÓÎÈ×ÎÛÎÙ×ÛÎØÍÌ×ÊÛÈÓÍÎ ÌÇÊÌÍÉ×É öèÔ×Ø×ÌÛÊÈÏ×ÎÈÉÔÛÐÐÙÊ×ØÓÈÈÔ×Ê×ÏÛÓÎØ×ÊÍÖÈÔ×ÏÍÎÓ×ÉÓÎÈÔ× ÈÊÛÎÉÛÙÈÓÍÎÌÊÓÆÓÐ×Õ×ÛÎØÉ×Æ×ÊÛÎÙ×ÈÛÄÙÐ×ÛÊÓÎÕÛÙÙÍÇÎÈÈÍÈÔ×ÉÈÛÈ×Õ×Î×ÊÛÐ ÖÇÎØÉÇÚÒ×ÙÈÈÍÛÎÃØÓÉÈÊÓÚÇÈÓÍÎÊ×ËÇÓÊ×ØÚÃÉ×ÙÈÓÍÎ õîÍÈÅÓÈÔÉÈÛÎØÓÎÕÉÇÚÉ×ÙÈÓÍÎøÍÖÈÔÓÉÉ×ÙÈÓÍÎÓÖÛÙÍÇÊÈÍÖ ÙÍÏÌ×È×ÎÈÒÇÊÓÉØÓÙÈÓÍÎÖÓÎÛÐÐÃØ×È×ÊÏÓÎ×ÉÈÔÛÈÈÛÄÏÍÎÓ×ÉØÓÉÈÊÓÚÇÈ×ØÇÎØ×Ê ÈÔÓÉÉ×ÙÈÓÍÎÅ×Ê×ÓÐÐ×ÕÛÐÐÃÙÍÐÐ×ÙÈ×ØÇÎØ×ÊÈÔÓÉÛÊÈÓÙÐ×ÍÊÛÊÈÓÙÐ×ÉÛÎØ ÍÖÈÔÓÉÙÔÛÌÈ×ÊÛÎØÍÊØ×ÊÉÈÔ×ÏÍÎÓ×ÉÈÍÚ×Ê×ÖÇÎØ×ØÈÍÈÔ×ÈÛÄÌÛÃ×ÊÈÔ× Ø×ÌÛÊÈÏ×ÎÈÉÔÛÐÐÙÍÏÌÇÈ×ÈÔ×ÛÏÍÇÎÈÍÖÉÇÙÔÏÍÎÓ×ÉÈÔÛÈÅÛÉØÓÉÈÊÓÚÇÈ×ØÈÍ ×ÛÙÔÙÓÈÃÈÍÅÎÛÎØÙÍÇÎÈÃÇÎØ×ÊÈÔÓÉÉ×ÙÈÓÍÎèÔ×Ø×ÌÛÊÈÏ×ÎÈÉÔÛÐÐÎÍÈÓÖÃ ÈÔ×ÉÈÛÈ×ÈÊ×ÛÉÇÊ×ÊÍÖÈÔÛÈÛÏÍÇÎÈÌÐÇÉÈÔ×ÌÊÍÌÍÊÈÓÍÎÛÈ×ÉÔÛÊ×ÍÖÛØØÓÈÓÍÎÛÐ ÛÐÐÍÙÛÈ×ØÙÍÉÈÉÊ×ËÇÓÊ×ØÈÍÚ×ÌÛÓØÈÍÈÔ×ÈÛÄÌÛÃ×Ê÷ÛÙÔÙÓÈÃÉÈÍÅÎÉÛÎØ ÙÍÇÎÈÃÉÌÊÍÌÍÊÈÓÍÎÛÈ×ÉÔÛÊ×ÍÖÈÔ×ÙÍÉÈÉÉÔÛÐÐÚ×ÚÛÉ×ØÍÎÈÔ×ÛÏÍÇÎÈÍÖÈÔ× ÍÊÓÕÓÎÛÐÈÛÄÌÛÃÏ×ÎÈ×ÛÙÔÏÇÎÓÙÓÌÛÐÓÈÃÛÎØÙÍÇÎÈÃÊ×Ù×ÓÆ×Ø÷ÛÙÔÏÍÎÈÔÈÔ× ÉÈÛÈ×ÈÊ×ÛÉÇÊ×ÊÉÔÛÐÐÊ×ØÇÙ×ÈÔ×ÛÏÍÇÎÈÍÈÔ×ÊÅÓÉ×ØÓÉÈÊÓÚÇÈÛÚÐ×ÈÍÈÔ×ÙÓÈÃ ÈÍÅÎÛÎØÙÍÇÎÈÃÇÎØ×ÊÈÔÓÉÉ×ÙÈÓÍÎÚÃÍÎ×ÈÔÓÊÈÃÉÓÄÈÔÍÖÈÔ×ÈÍÈÛÐÛÏÍÇÎÈÈÍ Ú×Ê×ÙÍÆ×Ê×ØÖÊÍÏÈÔ×ÙÓÈÃÈÍÅÎÍÊÙÍÇÎÈÃÇÎÈÓÐÈÔ×ÈÍÈÛÐÛÏÍÇÎÈÔÛÉÚ××Î Ê×ÙÍÆ×Ê×ØÚÇÈÈÔ×ÏÍÎÈÔÐÃÊ×ØÇÙÈÓÍÎÖÍÊÛÎÃÙÓÈÃÈÍÅÎÍÊÙÍÇÎÈÃÉÔÛÐÐÎÍÈ ×ÄÙ××ØÈ×ÎÌ×ÊÙ×ÎÈÍÖÈÔ×ÖÇÐÐÏÍÎÈÔÐÃØÓÉÈÊÓÚÇÈÓÍÎÈÍÈÔÛÈ×ÎÈÓÈÃèÔ× Ê×ØÇÙÈÓÍÎÉÔÛÐÐÚ×ÕÓÎÖÍÊÈÔ×ÖÓÊÉÈÙÛÐ×ÎØÛÊÏÍÎÈÔÛÖÈ×ÊÈÔ×ÖÓÎÛÐ Study Session - March 13, 2013 - Page 57 of 125 ôú ØÓÉÌÍÉÓÈÓÍÎÍÖÈÔ×ÙÛÉ×ÛÎØÉÔÛÐÐÙÍÎÈÓÎÇ×ÇÎÈÓÐÈÔ×ÈÍÈÛÐÛÏÍÇÎÈÓÎÙÐÇØÓÎÕ ÓÎÈ×Ê×ÉÈÛÎØÙÍÉÈÉÔÛÉÚ××ÎÊ×ÙÍÆ×Ê×Ø ôíÎÊ×Ù×ÓÆÓÎÕÛÙ×ÊÈÓÖÓÙÛÈ×ÍÖØ×ÖÛÇÐÈÖÊÍÏÈÔ×ÕÊ×ÛÈ×ÊûÊÓÂÍÎÛ Ø×Æ×ÐÍÌÏ×ÎÈÛÇÈÔÍÊÓÈÃÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ ÍÊ ÛÎØÈÍÈÔ× ×ÄÈ×ÎÈÎÍÈÍÈÔ×ÊÅÓÉ××ÄÌÊ×ÉÉÐÃÌÊÍÔÓÚÓÈ×ØÚÃÐÛÅÈÔ×ÉÈÛÈ×ÈÊ×ÛÉÇÊ×ÊÉÔÛÐÐ ÅÓÈÔÔÍÐØÖÊÍÏÈÔ×Î×ÄÈÉÇÙÙ××ØÓÎÕØÓÉÈÊÓÚÇÈÓÍÎÍÖÏÍÎÓ×ÉÌÇÊÉÇÛÎÈÈÍÈÔÓÉ É×ÙÈÓÍÎØÇ×ÈÍÈÔ×Ø×ÖÛÇÐÈÓÎÕÌÍÐÓÈÓÙÛÐÉÇÚØÓÆÓÉÓÍÎÈÔ×ÛÏÍÇÎÈÉÌ×ÙÓÖÓ×ØÓÎ ÈÔ×Ù×ÊÈÓÖÓÙÛÈ×ÍÖØ×ÖÛÇÐÈÛÎØÓÏÏ×ØÓÛÈ×ÐÃØ×ÌÍÉÓÈÈÔ×ÛÏÍÇÎÈÅÓÈÔÔ×ÐØÓÎÈÔ× ÕÊ×ÛÈ×ÊûÊÓÂÍÎÛØ×Æ×ÐÍÌÏ×ÎÈÛÇÈÔÍÊÓÈÃÊ×ÆÍÐÆÓÎÕÖÇÎØèÔ×ÉÈÛÈ×ÈÊ×ÛÉÇÊ×Ê ÉÔÛÐÐÙÍÎÈÓÎÇ×ÈÍÅÓÈÔÔÍÐØÛÎØØ×ÌÍÉÓÈÈÔ×ÏÍÎÓ×ÉÇÎÈÓÐÈÔ×ÕÊ×ÛÈ×ÊûÊÓÂÍÎÛ Ø×Æ×ÐÍÌÏ×ÎÈÛÇÈÔÍÊÓÈÃÙ×ÊÈÓÖÓ×ÉÈÍÈÔ×ÉÈÛÈ×ÈÊ×ÛÉÇÊ×ÊÈÔÛÈÈÔ×Ø×ÖÛÇÐÈÔÛÉ Ú××ÎÙÇÊ×ØóÎÎÍ×Æ×ÎÈÏÛÃÈÔ×ÉÈÛÈ×ÈÊ×ÛÉÇÊ×ÊÅÓÈÔÔÍÐØÛÎÃÛÏÍÇÎÈÈÔÛÈÈÔ× Ø×ÖÛÇÐÈÓÎÕÌÍÐÓÈÓÙÛÐÉÇÚØÓÆÓÉÓÍÎÙ×ÊÈÓÖÓ×ÉÈÍÈÔ×ÉÈÛÈ×ÈÊ×ÛÉÇÊ×ÊÛÎØÈÔ× ÛÇÈÔÍÊÓÈÃÛÉÚ×ÓÎÕÎ×Ù×ÉÉÛÊÃÈÍÏÛÑ×ÛÎÃÊ×ËÇÓÊ×ØØ×ÌÍÉÓÈÉÈÔ×ÎØÇ×ÖÍÊÈÔ× ÌÛÃÏ×ÎÈÍÖÌÊÓÎÙÓÌÛÐÛÎØÓÎÈ×Ê×ÉÈÍÎÚÍÎØÉÍÖÈÔ×ÌÍÐÓÈÓÙÛÐÉÇÚØÓÆÓÉÓÍÎÈÔÛÈ Å×Ê×ÓÉÉÇ×ØÚ×ÖÍÊ×ÈÔ×ØÛÈ×ÍÖÈÔ×ÐÍÛÎÊ×ÌÛÃÏ×ÎÈÛÕÊ××Ï×ÎÈÍÊÚÍÎØÉÛÎØÈÔÛÈ ÔÛÆ×Ú××ÎÉ×ÙÇÊ×ØÚÃÛÌÐ×ØÕ×ÍÖØÓÉÈÊÓÚÇÈÓÍÎÉÏÛØ×ÌÇÊÉÇÛÎÈÈÍÈÔÓÉÉ×ÙÈÓÍÎ ó÷ÄÙ×ÌÈÛÉÌÊÍÆÓØ×ØÚÃÉ×ÙÈÓÍÎÉ ÛÎØ ÈÔ× ÌÍÌÇÐÛÈÓÍÎÍÖÛÙÍÇÎÈÃÙÓÈÃÍÊÈÍÅÎÛÉØ×È×ÊÏÓÎ×ØÚÃÈÔ×ÏÍÉÈÊ×Ù×ÎÈçÎÓÈ×Ø éÈÛÈ×ÉØ×Ù×ÎÎÓÛÐÙ×ÎÉÇÉÌÐÇÉÛÎÃÊ×ÆÓÉÓÍÎÉÈÍÈÔ×Ø×Ù×ÎÎÓÛÐÙ×ÎÉÇÉÙ×ÊÈÓÖÓ×Ø ÚÃÈÔ×çÎÓÈ×ØéÈÛÈ×ÉÚÇÊ×ÛÇÍÖÈÔ×Ù×ÎÉÇÉÉÔÛÐÐÚ×ÇÉ×ØÛÉÈÔ×ÚÛÉÓÉÖÍÊ ÛÌÌÍÊÈÓÍÎÓÎÕÏÍÎÓ×ÉÌÇÊÉÇÛÎÈÈÍÉÇÚÉ×ÙÈÓÍÎøÍÖÈÔÓÉÉ×ÙÈÓÍÎ ò÷ÄÙ×ÌÈÛÉÍÈÔ×ÊÅÓÉ×ÌÊÍÆÓØ×ØÚÃÈÔÓÉÉÇÚÉ×ÙÈÓÍÎÍÎÎÍÈÓÙ×ÖÊÍÏÈÔ× Ø×ÌÛÊÈÏ×ÎÈÍÖÊ×Æ×ÎÇ×ÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎúÈÔ×ÉÈÛÈ× ÈÊ×ÛÉÇÊ×ÊÉÔÛÐÐÅÓÈÔÔÍÐØÖÊÍÏÈÔ×ØÓÉÈÊÓÚÇÈÓÍÎÍÖÏÍÎÓ×ÉÌÇÊÉÇÛÎÈÈÍÈÔÓÉ É×ÙÈÓÍÎÈÍÈÔ×ÛÖÖ×ÙÈ×ØÙÓÈÃÍÊÈÍÅÎÈÔ×ÛÏÍÇÎÈÍÖÈÔ×Ì×ÎÛÐÈÃÖÍÊÚÇÉÓÎ×ÉÉ ÐÍÙÛÈÓÍÎÏÇÎÓÙÓÌÛÐÈÛÄÓÎÙ×ÎÈÓÆ×ÉÌÊÍÆÓØ×ØÚÃÈÔ×ÙÓÈÃÍÊÈÍÅÎÈÍÛÚÇÉÓÎ×ÉÉ ×ÎÈÓÈÃÈÔÛÈÐÍÙÛÈ×ÉÛÊ×ÈÛÓÐÚÇÉÓÎ×ÉÉÖÛÙÓÐÓÈÃÓÎÈÔ×ÙÓÈÃÍÊÈÍÅÎèÔ× ÉÈÛÈ×ÈÊ×ÛÉÇÊ×ÊÉÔÛÐÐÙÍÎÈÓÎÇ×ÈÍÅÓÈÔÔÍÐØÏÍÎÓ×ÉÌÇÊÉÇÛÎÈÈÍÈÔÓÉÉÇÚÉ×ÙÈÓÍÎ ÇÎÈÓÐÈÔ××ÎÈÓÊ×ÛÏÍÇÎÈÍÖÈÔ×Ì×ÎÛÐÈÃÔÛÉÚ××ÎÅÓÈÔÔ×ÐØèÔ×ÉÈÛÈ× ÈÊ×ÛÉÇÊ×ÊÉÔÛÐÐÙÊ×ØÓÈÛÎÃÏÍÎÓ×ÉÅÓÈÔÔ×ÐØÌÇÊÉÇÛÎÈÈÍÈÔÓÉÉÇÚÉ×ÙÈÓÍÎÈÍÈÔ× ÉÈÛÈ×Õ×Î×ÊÛÐÖÇÎØÛÉÌÊÍÆÓØ×ØÚÃÉÇÚÉ×ÙÈÓÍÎøÌÛÊÛÕÊÛÌÔÍÖÈÔÓÉÉ×ÙÈÓÍÎ èÔ×ÉÈÛÈ×ÈÊ×ÛÉÇÊ×ÊÉÔÛÐÐÎÍÈÅÓÈÔÔÍÐØÛÎÃÛÏÍÇÎÈÈÔÛÈÈÔ×ÙÓÈÃÍÊÈÍÅÎ Ù×ÊÈÓÖÓ×ÉÈÍÈÔ×Ø×ÌÛÊÈÏ×ÎÈÍÖÊ×Æ×ÎÇ×ÛÎØÈÔ×ÉÈÛÈ×ÈÊ×ÛÉÇÊ×ÊÛÉÚ×ÓÎÕ Î×Ù×ÉÉÛÊÃÈÍÏÛÑ×ÛÎÃÊ×ËÇÓÊ×ØØ×ÌÍÉÓÈÉÍÊÌÛÃÏ×ÎÈÉÖÍÊØ×ÚÈÉ×ÊÆÓÙ×ÍÎÚÍÎØÉ ÍÊÍÈÔ×ÊÐÍÎÕÈ×ÊÏÍÚÐÓÕÛÈÓÍÎÉÍÖÈÔ×ÙÓÈÃÍÊÈÍÅÎÈÔÛÈÅ×Ê×ÓÉÉÇ×ØÍÊ ÓÎÙÇÊÊ×ØÚ×ÖÍÊ×ÈÔ×ÐÍÙÛÈÓÍÎÓÎÙ×ÎÈÓÆ×ÉÌÊÍÆÓØ×ØÚÃÈÔ×ÙÓÈÃÍÊÈÍÅÎ ñíÎÎÍÈÓÙ×ÖÊÍÏÈÔ×ÛÇØÓÈÍÊÕ×Î×ÊÛÐÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎøÈÔ×ÉÈÛÈ×ÈÊ×ÛÉÇÊ×ÊÉÔÛÐÐÅÓÈÔÔÍÐØÖÊÍÏÈÔ×ØÓÉÈÊÓÚÇÈÓÍÎÍÖ ÏÍÎÓ×ÉÌÇÊÉÇÛÎÈÈÍÈÔÓÉÉ×ÙÈÓÍÎÈÍÈÔ×ÛÖÖ×ÙÈ×ØÙÓÈÃÈÔ×ÛÏÍÇÎÈÙÍÏÌÇÈ×Ø ÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎøèÔ×ÉÈÛÈ×ÈÊ×ÛÉÇÊ×ÊÉÔÛÐÐÙÍÎÈÓÎÇ× ÈÍÅÓÈÔÔÍÐØÏÍÎÓ×ÉÌÇÊÉÇÛÎÈÈÍÈÔÓÉÉÇÚÉ×ÙÈÓÍÎÇÎÈÓÐÈÔ××ÎÈÓÊ×ÛÏÍÇÎÈ ÉÌ×ÙÓÖÓ×ØÓÎÈÔ×ÎÍÈÓÙ×ÔÛÉÚ××ÎÅÓÈÔÔ×ÐØèÔ×ÉÈÛÈ×ÈÊ×ÛÉÇÊ×ÊÉÔÛÐÐÙÊ×ØÓÈ ÛÎÃÏÍÎÓ×ÉÅÓÈÔÔ×ÐØÌÇÊÉÇÛÎÈÈÍÈÔÓÉÉÇÚÉ×ÙÈÓÍÎÈÍÈÔ×ÉÈÛÈ×Õ×Î×ÊÛÐÖÇÎØÛÉ ÌÊÍÆÓØ×ØÚÃÉÇÚÉ×ÙÈÓÍÎøÌÛÊÛÕÊÛÌÔÍÖÈÔÓÉÉ×ÙÈÓÍÎ Study Session - March 13, 2013 - Page 58 of 125 ôú ðöÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÈÔÓÉÉ×ÙÈÓÍÎÙÍÏÏÇÎÓÈÃÙÍÐÐ×Õ×ØÓÉÈÊÓÙÈ Ï×ÛÎÉÛÙÍÏÏÇÎÓÈÃÙÍÐÐ×Õ×ØÓÉÈÊÓÙÈÈÔÛÈÓÉ×ÉÈÛÚÐÓÉÔ×ØÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎÉ ÛÎØ ÛÎØÈÔÛÈÓÉÛÌÍÐÓÈÓÙÛÐÉÇÚØÓÆÓÉÓÍÎÍÖÈÔÓÉÉÈÛÈ×ÛÎØ ÇÎÐ×ÉÉÍÈÔ×ÊÅÓÉ×ÉÌ×ÙÓÖÓ×ØÓÎÙÐÇØ×ÉÛÙÍÏÏÇÎÓÈÃÙÍÐÐ×Õ×ØÓÉÈÊÓÙÈ×ÉÈÛÚÐÓÉÔ×Ø ÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ ÛÎØÛÌÊÍÆÓÉÓÍÎÛÐÙÍÏÏÇÎÓÈÃÙÍÐÐ×Õ×ØÓÉÈÊÓÙÈ ×ÉÈÛÚÐÓÉÔ×ØÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ é×Ùé×ÙÈÓÍÎ ûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÓÉÛÏ×ÎØ×ØÈÍ Ê×ÛØ øÓÉÈÊÓÚÇÈÓÍÎÍÖÊ×Æ×ÎÇ×ÉÖÍÊÈÍÇÊÓÉÏÛÎØÉÌÍÊÈÉ ÛÇÈÔÍÊÓÈÃ û÷ÛÙÔÏÍÎÈÔÈÔ×ÉÈÛÈ×ÈÊ×ÛÉÇÊ×ÊÉÔÛÐÐÌÛÃÖÊÍÏÈÔ×ÛÏÍÇÎÈ Ø×ÉÓÕÎÛÈ×ØÛÉØÓÉÈÊÓÚÇÈÓÍÎÚÛÉ×ÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎø ÈÔ×ÛÏÍÇÎÈØ×È×ÊÏÓÎ×ØÇÎØ×ÊÉÇÚÉ×ÙÈÓÍÎúÍÖÈÔÓÉÉ×ÙÈÓÍÎÈÍÈÔ×ÈÍÇÊÓÉÏÛÎØ ÉÌÍÊÈÉÛÇÈÔÍÊÓÈÃÖÍÊØ×ÌÍÉÓÈÓÎÈÔ×ÛÇÈÔÍÊÓÈÃÉÖÛÙÓÐÓÈÃÊ×Æ×ÎÇ×ÙÐ×ÛÊÓÎÕ ÛÙÙÍÇÎÈ×ÉÈÛÚÐÓÉÔ×ØÚÃÉ×ÙÈÓÍÎ úèÔ×ÛÏÍÇÎÈÈÍÚ×ÌÛÓØÇÎØ×ÊÉÇÚÉ×ÙÈÓÍÎûÍÖÈÔÓÉÉ×ÙÈÓÍÎÓÉÈÔ× ÈÍÈÛÐÛÏÍÇÎÈÍÖÉÈÛÈ×ÈÊÛÎÉÛÙÈÓÍÎÌÊÓÆÓÐ×Õ×ÈÛÄÊ×Æ×ÎÇ×ÉÊ×Ù×ÓÆ×ØÖÊÍÏ Ì×ÊÉÍÎÉÙÍÎØÇÙÈÓÎÕÚÇÉÓÎ×ÉÉÇÎØ×Ê èÔ×Ê×ÈÛÓÐÛÏÇÉ×Ï×ÎÈÛÎØÊ×ÉÈÛÇÊÛÎÈÙÐÛÉÉÓÖÓÙÛÈÓÍÎÉÛÈÍÊÅÓÈÔ Ê×ÉÌ×ÙÈÈÍ×Æ×ÎÈÉÔ×ÐØÛÈÛÏÇÐÈÓÌÇÊÌÍÉ×ÖÛÙÓÐÓÈÃÈÔÛÈÓÉÍÅÎ×ØÍÊÍÌ×ÊÛÈ×Ø ÚÃÈÔ×ÛÇÈÔÍÊÓÈÃÌÇÊÉÇÛÎÈÈÍÈÓÈÐ×ÙÔÛÌÈ×Ê èÔ×Ê×ÈÛÓÐÛÏÇÉ×Ï×ÎÈÛÎØÊ×ÉÈÛÇÊÛÎÈÙÐÛÉÉÓÖÓÙÛÈÓÍÎÉÛÈÍÊÅÓÈÔ Ê×ÉÌ×ÙÈÈÍÌÊÍÖ×ÉÉÓÍÎÛÐÖÍÍÈÚÛÐÐÙÍÎÈ×ÉÈÉÈÔÛÈÛÊ×Ô×ÐØÚ×ÕÓÎÎÓÎÕòÇÐÃ ÓÎÛÉÈÛØÓÇÏÐÍÙÛÈ×ØÍÎÈÔ×ÙÛÏÌÇÉÍÖÛÎÓÎÉÈÓÈÇÈÓÍÎÇÎØ×ÊÈÔ× ÒÇÊÓÉØÓÙÈÓÍÎÍÖÈÔ×ûÊÓÂÍÎÛÚÍÛÊØÍÖÊ×Õ×ÎÈÉ ù÷ÛÙÔÏÍÎÈÔÈÔ×ÉÈÛÈ×ÈÊ×ÛÉÇÊ×ÊÉÔÛÐÐÌÛÃÖÊÍÏÈÔ×ÛÏÍÇÎÈ Ø×ÉÓÕÎÛÈ×ØÛÉØÓÉÈÊÓÚÇÈÓÍÎÚÛÉ×ÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎø ÈÔ×ÈÍÈÛÐÛÏÍÇÎÈÍÖÉÈÛÈ×ÈÊÛÎÉÛÙÈÓÍÎÌÊÓÆÓÐ×Õ×ÈÛÄÊ×Æ×ÎÇ×ÉÊ×Ù×ÓÆ×ØÖÊÍÏ Ì×ÊÉÍÎÉÙÍÎØÇÙÈÓÎÕÚÇÉÓÎ×ÉÉÇÎØ×ÊÈÔ×ÌÊÓÏ×ÙÍÎÈÊÛÙÈÓÎÕÙÐÛÉÉÓÖÓÙÛÈÓÍÎÛÈÛ ÏÇÐÈÓÌÇÊÌÍÉ×ÖÛÙÓÐÓÈÃÈÔÛÈÓÉÍÅÎ×ØÍÊÍÌ×ÊÛÈ×ØÚÃÈÔ×ÈÍÇÊÓÉÏÛÎØÉÌÍÊÈÉ ÛÇÈÔÍÊÓÈÃÌÇÊÉÇÛÎÈÈÍÈÓÈÐ×ÙÔÛÌÈ×ÊÖÍÊØ×ÌÍÉÓÈÓÎÈÔ×ÛÇÈÔÍÊÓÈÃÉ ÙÍÎÉÈÊÇÙÈÓÍÎÛÙÙÍÇÎÈ×ÉÈÛÚÐÓÉÔ×ØÚÃÉ×ÙÈÓÍÎ øùèÔ×Ø×ÌÛÊÈÏ×ÎÈÉÔÛÐÐÊ×ÌÍÊÈÈÔ×ÛÏÍÇÎÈÉûïíçîèÇÎØ×Ê ÉÇÚÉ×ÙÈÓÍÎÉéçúé÷ùèóíîúÛÎØùÍÖÈÔÓÉÉ×ÙÈÓÍÎÈÍÈÔ×ÉÈÛÈ×ÈÊ×ÛÉÇÊ×ÊÍÎÍÊ Ú×ÖÍÊ×ÈÔ×ÖÓÖÈ××ÎÈÔØÛÃÍÖ×ÛÙÔÏÍÎÈÔÖÍÊÌÛÃÏ×ÎÈÓÎÈÔ×ÖÍÐÐÍÅÓÎÕÏÍÎÈÔ é×Ù é×ÙÈÓÍÎ ûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÓÉÛÏ×ÎØ×ØÈÍ Ê×ÛØ øÓÉÈÊÓÚÇÈÓÍÎÍÖÊ×Æ×ÎÇ×ÉÖÍÊÙÓÈÃÈÍÅÎÍÊÙÍÇÎÈÃ ÓÎÖÊÛÉÈÊÇÙÈÇÊ×ÓÏÌÊÍÆ×Ï×ÎÈÉÊ×ÐÛÈ×ØÈÍ ÏÛÎÇÖÛÙÈÇÊÓÎÕÖÛÙÓÐÓÈÓ×ÉØ×ÖÓÎÓÈÓÍÎÉ ûéÇÚÒ×ÙÈÈÍÉÇÚÉ×ÙÈÓÍÎúÍÖÈÔÓÉÉ×ÙÈÓÍÎÖÊÍÏÛÎØÛÖÈ×Êé×ÌÈ×ÏÚ×Ê ÈÔÊÍÇÕÔé×ÌÈ×ÏÚ×Ê ×ÛÙÔÏÍÎÈÔÈÔ×ÉÈÛÈ×ÈÊ×ÛÉÇÊ×ÊÉÔÛÐÐÌÛÃ ÛÙÓÈÃÈÍÅÎÍÊÙÍÇÎÈÃÈÔ×ÛÏÍÇÎÈØ×È×ÊÏÓÎ×ØÇÎØ×ÊÉÇÚÉ×ÙÈÓÍÎùÍÖÈÔÓÉ É×ÙÈÓÍÎÖÍÊÈÔ×ÌÇÊÌÍÉ×ÍÖÖÇÎØÓÎÕÇÌÈÍ×ÓÕÔÈÃÌ×ÊÙ×ÎÈÍÖÈÔ×ÙÍÉÈÍÖ Study Session - March 13, 2013 - Page 59 of 125 ôú ÌÇÚÐÓÙÓÎÖÊÛÉÈÊÇÙÈÇÊ×ÓÏÌÊÍÆ×Ï×ÎÈÉÖÍÊÈÔ×Ú×Î×ÖÓÈÍÖÛÏÛÎÇÖÛÙÈÇÊÓÎÕ ÖÛÙÓÐÓÈÃ úèÔ×ÉÈÛÈ×ÈÊ×ÛÉÇÊ×ÊÉÔÛÐÐÎÍÈÏÛÑ×ÛÎÃÌÛÃÏ×ÎÈÉÇÎØ×ÊÉÇÚÉ×ÙÈÓÍÎù ÍÖÈÔÓÉÉ×ÙÈÓÍÎÇÎÈÓÐÚÍÈÔÍÖÈÔ×ÖÍÐÐÍÅÓÎÕÛÌÌÐÃ èÅ×ÎÈÃÖÓÆ×Ì×ÊÙ×ÎÈÍÖÈÔ×ÙÛÌÓÈÛÐÓÎÆ×ÉÈÏ×ÎÈÈÔÛÈÓÉÙ×ÊÈÓÖÓ×Ø ÇÎØ×ÊÉÇÚÉ×ÙÈÓÍÎøÍÖÈÔÓÉÉ×ÙÈÓÍÎÛÎØÈÔÛÈÙÍÎÉÈÓÈÇÈ×ÉÙÍÎÉÈÊÇÙÈÓÍÎÌÔÛÉ× É×ÊÆÓÙ×ÉÛÉØ×ÖÓÎ×ØÓÎÉ×ÙÈÓÍÎ ùíîèêûùèóîõûùèóæóèãÔÛÉÚ××ÎÏÛØ× ÚÃÈÔ×ÏÛÎÇÖÛÙÈÇÊÓÎÕÖÛÙÓÐÓÈÃ öÊÍÏÛÎØÛÖÈ×ÊòÇÎ× ùèÔ×ÛÏÍÇÎÈÈÍÚ×ÌÛÓØÈÍÛÙÓÈÃÈÍÅÎÍÊÙÍÇÎÈÃÇÎØ×ÊÉÇÚÉ×ÙÈÓÍÎû ÍÖÈÔÓÉÉ×ÙÈÓÍÎÓÉÈÔ×ÈÍÈÛÐÛÏÍÇÎÈÍÖÉÈÛÈ×ÈÊÛÎÉÛÙÈÓÍÎÌÊÓÆÓÐ×Õ×ÈÛÄ Ê×Æ×ÎÇ×ÉÙÍÐÐ×ÙÈ×ØÇÎØ×ÊÉ×ÙÈÓÍÎ ÖÊÍÏÌ×ÊÉÍÎÉ ÙÍÎØÇÙÈÓÎÕÚÇÉÓÎ×ÉÉÇÎØ×ÊÉ×ÙÈÓÍÎ Ø×ÊÓÆ×ØÖÊÍÏöíêéûð÷éíöïûè÷êóûðé çé÷øóîÙÍÎÈÊÛÙÈÉÈÍÙÍÎÉÈÊÇÙÈÚÇÓÐØÓÎÕÉÛÎØÛÉÉÍÙÓÛÈ×ØÓÏÌÊÍÆ×Ï×ÎÈÉÖÍÊÈÔ× Ú×Î×ÖÓÈÍÖÛÏÛÎÇÖÛÙÈÇÊÓÎÕÖÛÙÓÐÓÈÃèô÷ûïíçîèèíú÷øóéèêóúçè÷ø÷ûùôïíîèô éôûððú÷ìûóøóî÷ëçûðóîéèûððï÷îèéíæ÷êèô÷ðóö÷íöèô÷ùíîèêûùèèí ùíîéèêçùèúçóðøóîõéûîøûééíùóûè÷øóïìêíæ÷ï÷îèéöíêèô÷ú÷î÷öóèíöèô÷ ïûîçöûùèçêóîõöûùóðóèãèÔ×ÈÍÈÛÐÛÏÍÇÎÈÌÛÓØÈÍÛÐÐÙÓÈÓ×ÉÈÍÅÎÉÛÎØ ÙÍÇÎÈÓ×ÉÇÎØ×ÊÈÔÓÉÉÇÚÉ×ÙÈÓÍÎÉÔÛÐÐÎÍÈ×ÄÙ××ØÛÏÛÄÓÏÇÏÍÖÖÓÖÈÃÏÓÐÐÓÍÎ ØÍÐÐÛÊÉ øú×ÖÍÊ×ÈÔ×ÙÍÏÏ×ÎÙ×Ï×ÎÈÍÖÈÔ×ÙÍÎÉÈÊÇÙÈÓÍÎÍÖÚÇÓÐØÓÎÕÉÛÎØ ÛÉÉÍÙÓÛÈ×ØÓÏÌÊÍÆ×Ï×ÎÈÉÖÍÊÈÔ×Ú×Î×ÖÓÈÍÖÛÏÛÎÇÖÛÙÈÇÊÓÎÕÖÛÙÓÐÓÈÃÈÔÛÈÅÓÐÐ Ê×ËÇÓÊ×ÛÙÓÈÃÈÍÅÎÍÊÙÍÇÎÈÃÈÍÏÛÑ×ÓÎÖÊÛÉÈÊÇÙÈÇÊ×ÓÏÌÊÍÆ×Ï×ÎÈÉÈÔ× ÏÛÎÇÖÛÙÈÇÊÓÎÕÖÛÙÓÐÓÈÃÉÔÛÐÐÖÓÐ×ÛÉÅÍÊÎÙ×ÊÈÓÖÓÙÛÈÓÍÎÅÓÈÔÈÔ×ûÊÓÂÍÎÛ ÙÍÏÏ×ÊÙ×ÛÇÈÔÍÊÓÈÃÛÎØÉÇÚÏÓÈÛÙÍÌÃÍÖÈÔÓÉÉÅÍÊÎÙ×ÊÈÓÖÓÙÛÈÓÍÎÈÍÈÔ× ÛÌÌÐÓÙÛÚÐ×ÙÓÈÃÈÍÅÎÍÊÙÍÇÎÈÃÈÔÛÈÈÔ×ÏÛÎÇÖÛÙÈÇÊÓÎÕÖÛÙÓÐÓÈÃÛÕÊ××ÉÈÍ ìêíæóø÷ûùíìãíöèô÷ùíîéèêçùèóíîùíîèêûùèéôíåóîõèô÷ùíéèíöèô÷ïûè÷êóûðé èíú÷çé÷øóîèô÷ùíîéèêçùèóíîíöúçóðøóîõéûîøûééíùóûè÷øóïìêíæ÷ï÷îèéöíê èô÷ïûîçöûùèçêóîõöûùóðóèãûîøèí×ÓÈÔ×Ê ïÛÑ×ÛÈÐ×ÛÉÈÖÓÆ×ÔÇÎØÊ×ØÏÓÐÐÓÍÎØÍÐÐÛÊÉÓÎÙÛÌÓÈÛÐÓÎÆ×ÉÈÏ×ÎÈÓÖ ÈÔ×ÏÛÎÇÖÛÙÈÇÊÓÎÕÖÛÙÓÐÓÈÃÓÉÐÍÙÛÈ×ØÓÎÛÙÍÇÎÈÃÈÔÛÈÔÛÉÛÌÍÌÇÐÛÈÓÍÎÍÖ ×ÓÕÔÈÔÇÎØÊ×ØÈÔÍÇÉÛÎØÌ×ÊÉÍÎÉÍÊÏÍÊ× ïÛÑ×ÛÈÐ×ÛÉÈÖÓÖÈÃÏÓÐÐÓÍÎØÍÐÐÛÊÉÓÎÙÛÌÓÈÛÐÓÎÆ×ÉÈÏ×ÎÈÓÖÈÔ× ÏÛÎÇÖÛÙÈÇÊÓÎÕÖÛÙÓÐÓÈÃÓÉÐÍÙÛÈ×ØÓÎÛÙÍÇÎÈÃÈÔÛÈÔÛÉÛÌÍÌÇÐÛÈÓÍÎÍÖÐ×ÉÉ ÈÔÛÎ×ÓÕÔÈÔÇÎØÊ×ØÈÔÍÇÉÛÎØÌ×ÊÉÍÎÉ ÷èÔ×Ù×ÊÈÓÖÓÙÛÈÓÍÎÇÎØ×ÊÉÇÚÉ×ÙÈÓÍÎøÍÖÈÔÓÉÉ×ÙÈÓÍÎÉÔÛÐÐÙÍÎÈÛÓÎ ÛÉÅÍÊÎÉÈÛÈ×Ï×ÎÈÍÊÙ×ÊÈÓÖÓÙÛÈÓÍÎÉÓÕÎ×ØÚÃÛÎÍÖÖÓÙ×ÊÍÖÈÔ×ÏÛÎÇÖÛÙÈÇÊÓÎÕ ÖÛÙÓÐÓÈÃÇÎØ×ÊÌ×ÎÛÐÈÃÍÖÌ×ÊÒÇÊÃÈÔÛÈÈÔ×ÓÎÖÍÊÏÛÈÓÍÎÙÍÎÈÛÓÎ×ØÓÉÈÊÇ×ÛÎØ ÙÍÊÊ×ÙÈÛÙÙÍÊØÓÎÕÈÍÈÔ×Ú×ÉÈÚ×ÐÓ×ÖÛÎØÑÎÍÅÐ×ØÕ×ÍÖÈÔ×Ì×ÊÉÍÎÉÇÚÏÓÈÈÓÎÕ ÈÔ×ÓÎÖÍÊÏÛÈÓÍÎÈÍÈÔ×Ø×ÌÛÊÈÏ×ÎÈÛÖÈ×ÊÛÊ×ÛÉÍÎÛÚÐ×ÓÎÆ×ÉÈÓÕÛÈÓÍÎÍÖÈÔ× ÖÛÙÈÉ öíÎÊ×Ù×ÓÌÈÍÖÛÉÅÍÊÎÙ×ÊÈÓÖÓÙÛÈÓÍÎÖÊÍÏÛÏÛÎÇÖÛÙÈÇÊÓÎÕÖÛÙÓÐÓÈÃ ÌÇÊÉÇÛÎÈÈÍÉÇÚÉ×ÙÈÓÍÎøÍÖÈÔÓÉÉ×ÙÈÓÍÎÛÎØÚ×ÖÍÊ×ÈÔ×ÙÍÏÏ×ÎÙ×Ï×ÎÈÍÖÈÔ× ÙÍÎÉÈÊÇÙÈÓÍÎÍÖÚÇÓÐØÓÎÕÉÛÎØÛÉÉÍÙÓÛÈ×ØÓÏÌÊÍÆ×Ï×ÎÈÉÖÍÊÈÔ×Ú×Î×ÖÓÈÍÖÛ ÏÛÎÇÖÛÙÈÇÊÓÎÕÖÛÙÓÐÓÈÃÈÔÛÈÅÓÐÐÊ×ËÇÓÊ×ÛÙÓÈÃÈÍÅÎÍÊÙÍÇÎÈÃÈÍÏÛÑ× Study Session - March 13, 2013 - Page 60 of 125 ôú ÓÎÖÊÛÉÈÊÇÙÈÇÊ×ÓÏÌÊÍÆ×Ï×ÎÈÉÈÔ×ÙÓÈÃÈÍÅÎÍÊÙÍÇÎÈÃÉÔÛÐÐ×ÎÈ×ÊÓÎÈÍÛ ÅÊÓÈÈ×ÎÛÕÊ××Ï×ÎÈÅÓÈÔÈÔ×Ø×ÌÛÊÈÏ×ÎÈèÔÓÉÛÕÊ××Ï×ÎÈÛÎØÛÎÃÛÏ×ÎØÏ×ÎÈÉÍÊ ÙÔÛÎÕ×ÉÈÍÈÔ×ÛÕÊ××Ï×ÎÈÉÔÛÐÐ éÈÛÈ×ÈÔ×ÙÍÉÈÍÖÈÔ×ÌÇÚÐÓÙÓÎÖÊÛÉÈÊÇÙÈÇÊ×ÓÏÌÊÍÆ×Ï×ÎÈÉÛÎØ É×ÌÛÊÛÈ×ÐÃÓØ×ÎÈÓÖÃÈÔ×ÌÛÊÈÓÙÇÐÛÊÓÏÌÊÍÆ×Ï×ÎÈÉÈÔÛÈÅÓÐÐÚ×ÏÛØ×óîùðçøóîõ éì÷ùóöóùûððãóø÷îèóöãóîõèô÷ùíéèíöïûè÷êóûðéçé÷ø éÈÛÈ×ÈÔÛÈÈÔ×ÏÍÎÓ×ÉÊ×Ù×ÓÆ×ØÇÎØ×ÊÈÔÓÉÉ×ÙÈÓÍÎÅÓÐÐÚ×ÇÉ×Ø ×ÄÙÐÇÉÓÆ×ÐÃÈÍÌÛÃÖÍÊÌÇÚÐÓÙÓÎÖÊÛÉÈÊÇÙÈÇÊ×ÓÏÌÊÍÆ×Ï×ÎÈÉÈÔÛÈÛÊ×Î×Ù×ÉÉÛÊÃ ÈÍÉÇÌÌÍÊÈÈÔ×ÛÙÈÓÆÓÈÓ×ÉÍÖÈÔ×ÏÛÎÇÖÛÙÈÇÊÓÎÕÖÛÙÓÐÓÈÃ éÈÛÈ×ÈÔÛÈÈÔ×ÙÓÈÃÈÍÅÎÍÊÙÍÇÎÈÃÅÓÐÐÌÛÃÛÏÓÎÓÏÇÏÍÖÈÅ×ÎÈÃ Ì×ÊÙ×ÎÈÍÖÈÔ×ÙÍÉÈÍÖÈÔ×ÌÇÚÐÓÙÓÎÖÊÛÉÈÊÇÙÈÇÊ×ÓÏÌÊÍÆ×Ï×ÎÈÉÅÓÈÔÓÈÉÍÅÎ ÏÍÎÓ×ÉÍÊÅÓÈÔÏÍÎÓ×ÉÖÊÍÏÈÔ×ÏÛÎÇÖÛÙÈÇÊÓÎÕÖÛÙÓÐÓÈÃ éÈÛÈ×ÈÔÛÈÈÔ×ÙÓÈÃÈÍÅÎÍÊÙÍÇÎÈÃÅÓÐÐÓÏÏ×ØÓÛÈ×ÐÃÎÍÈÓÖÃÈÔ× Ø×ÌÛÊÈÏ×ÎÈÅÔ×ÎÏÍÎÓ×ÉÊ×Ù×ÓÆ×ØÇÎØ×ÊÈÔÓÉÉ×ÙÈÓÍÎ×ÄÙ××Ø×ÓÕÔÈÃÌ×ÊÙ×ÎÈÍÖ ÈÔ×ÙÍÉÈÍÖÈÔ×ÓÎÖÊÛÉÈÊÇÙÈÇÊ×ÓÏÌÊÍÆ×Ï×ÎÈÉÛÎØÅÓÐÐÊ×ÈÇÊÎÈÔ×ÛÏÍÇÎÈÍÖÈÔ× ×ÄÙ×ÉÉÈÍÈÔ×ÉÈÛÈ×ÈÊ×ÛÉÇÊ×ÊÖÍÊØ×ÌÍÉÓÈÈÍÈÔ×ÉÈÛÈ×Õ×Î×ÊÛÐÖÇÎØ éÈÓÌÇÐÛÈ×ÈÔ×ÛÙÈÇÛÐÛÏÍÇÎÈÍÖÈÔ×ÙÍÎÉÈÊÇÙÈÓÍÎÖÇÎØÓÎÕÈÔÛÈÅÓÐÐ Ú×Ø×ÊÓÆ×ØÖÊÍÏÉÍÇÊÙ×ÉÍÈÔ×ÊÈÔÛÎÈÔ×ÉÈÛÈ× óØ×ÎÈÓÖÃÈÔ×Ì×ÊÉÍÎÉÅÔÍÅÓÐÐÚ×ÌÊÓÏ×ÙÍÎÈÊÛÙÈÍÊÉÍÎÈÔ× ÙÍÎÉÈÊÇÙÈÓÍÎÍÖÚÇÓÐØÓÎÕÉÛÎØÛÉÉÍÙÓÛÈ×ØÓÏÌÊÍÆ×Ï×ÎÈÉÖÍÊÈÔ×Ú×Î×ÖÓÈÍÖÛ ÏÛÎÇÖÛÙÈÇÊÓÎÕÖÛÙÓÐÓÈÃÛÎØÉÈÛÈ×ÈÔÛÈ×ÛÙÔÌÊÓÏ×ÙÍÎÈÊÛÙÈÍÊÔÛÉÚ××ÎÎÍÈÓÖÓ×Ø ÛÉÈÍÅÔÓÙÔÌÍÊÈÓÍÎÍÖÈÔ×ÙÍÎÈÊÛÙÈÍÊÉÓÎÙÍÏ×ÉÔÛÐÐÚ×É×ÌÛÊÛÈ×ÐÃÓØ×ÎÈÓÖÓ×Ø ÈÍÈÔ×Ø×ÌÛÊÈÏ×ÎÈÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎô éÈÛÈ×ÈÔÛÈÈÔ×ÙÓÈÃÈÍÅÎÍÊÙÍÇÎÈÃÛÕÊ××ÉÈÔÛÈÛÎÃÛÏÍÇÎÈÉ ÌÛÓØÚÃÈÔ×Ø×ÌÛÊÈÏ×ÎÈÈÍÛÌÊÓÏ×ÙÍÎÈÊÛÙÈÍÊÛÉÓØ×ÎÈÓÖÓ×ØÇÎØ×ÊÌÛÊÛÕÊÛÌÔ ÍÖÈÔÓÉÉÇÚÉ×ÙÈÓÍÎÊ×ÉÇÐÈÓÎÕÖÊÍÏÛÎÛÇØÓÈÛØÒÇÉÈÏ×ÎÈÍÊÙÐÛÓÏÖÍÊÙÊ×ØÓÈÍÊ Ê×ÖÇÎØÍÖÈÛÄ×ÉØ×ÉÙÊÓÚ×ØÓÎÉÇÚÉ×ÙÈÓÍÎùÍÖÈÔÓÉÉ×ÙÈÓÍÎùóèãèíåîíê ùíçîèãèôûè÷äù÷÷øèô÷ûïíçîèíöèô÷èêûîéûùèóíîìêóæóð÷õ÷èûäìûóøíîèô÷ éûð÷íöïûè÷êóûðéçé÷øóîèô÷ùíîéèêçùèóíîíöúçóðøóîõéíêíèô÷êûééíùóûè÷ø óïìêíæ÷ï÷îèéöíêèô÷ú÷î÷öóèíöèô÷ïûîçöûùèçêóîõöûùóðóèãÉÔÛÐÐÚ×Ê×ÙÍÆ×Ê×Ø ÚÃÈÔ×Ø×ÌÛÊÈÏ×ÎÈÖÊÍÏÈÔ×ÙÓÈÃÈÍÅÎÍÊÙÍÇÎÈÃÚÃÊ×ØÇÙÓÎÕÈÔ×ÛÏÍÇÎÈÌÛÓØ ÈÍÈÔ×ÙÓÈÃÈÍÅÎÍÊÙÍÇÎÈÃÇÎØ×ÊÉ×ÙÈÓÍÎ ÖÊÍÏÏÍÎÓ×ÉØ×ÉÓÕÎÛÈ×ØÛÉ ØÓÉÈÊÓÚÇÈÓÍÎÚÛÉ×ÓÎÈÔ×ÏÍÎÈÔÎ×ÄÈÉÇÙÙ××ØÓÎÕÈÔ×ÏÍÎÈÔÓÎÅÔÓÙÔÈÔ× ÛØÒÇÉÈÏ×ÎÈÍÊÙÐÛÓÏÓÉÌÛÓØ éÈÛÈ×ÈÔÛÈÈÔ×ÙÓÈÃÈÍÅÎÍÊÙÍÇÎÈÃÛÕÊ××ÉÈÔÛÈÈÔ×Ø×ÌÛÊÈÏ×ÎÈ ÅÓÐÐÇÉ×ÈÔ×ÛÏÍÇÎÈÉÉÇÚÒ×ÙÈÈÍÛÎÃØÓÉÈÊÓÚÇÈÓÍÎÊ×ËÇÓÊ×ØÇÎØ×ÊÉÇÚÉ×ÙÈÓÍÎû ÍÖÈÔÓÉÉ×ÙÈÓÍÎÓÎÙÛÐÙÇÐÛÈÓÎÕÈÔ×ÏÛÄÓÏÇÏÛÏÍÇÎÈÉ×ÈÚÃÉÇÚÉ×ÙÈÓÍÎùÍÖÈÔÓÉ É×ÙÈÓÍÎ éÈÛÈ×ÈÔÛÈÈÔ×ÙÓÈÃÈÍÅÎÍÊÙÍÇÎÈÃÛÕÊ××ÉÈÔÛÈÓÖÍÎÎÍÈÓÖÓÙÛÈÓÍÎ ÚÃÈÔ×Ø×ÌÛÊÈÏ×ÎÈÈÔ×ÉÈÛÈ×ÈÊ×ÛÉÇÊ×ÊÙ×ÛÉ×ÉÌÛÃÏ×ÎÈÉÚ×ÙÛÇÉ×ÍÖÈÔ× ÙÍÎØÓÈÓÍÎØ×ÉÙÊÓÚ×ØÓÎÉÇÚÉ×ÙÈÓÍÎõÍÖÈÔÓÉÉ×ÙÈÓÍÎÈÔ×ÙÓÈÃÈÍÅÎÍÊÙÍÇÎÈÃ ÔÛÉÎÍÙÐÛÓÏÈÍÛØØÓÈÓÍÎÛÐÌÛÃÏ×ÎÈÉÓÖÈÔ×Ø×ÌÛÊÈÏ×ÎÈÉÇÚÉ×ËÇ×ÎÈÐÃÌÛÃÉ ÛÏÍÇÎÈÉÈÍÛÌÊÓÏ×ÙÍÎÈÊÛÙÈÍÊÓØ×ÎÈÓÖÓ×ØÓÎÛÎÛÕÊ××Ï×ÎÈÅÓÈÔÛÎÃÙÓÈÃÈÍÅÎ ÍÊÙÍÇÎÈÃÛÉØ×ÉÙÊÓÚ×ØÓÎÌÛÊÛÕÊÛÌÔÍÖÈÔÓÉÉÇÚÉ×ÙÈÓÍÎØÇ×ÈÍÛÎÛÇØÓÈ Study Session - March 13, 2013 - Page 61 of 125 ôú ÛØÒÇÉÈÏ×ÎÈÍÊÙÐÛÓÏÖÍÊÙÊ×ØÓÈÍÊÊ×ÖÇÎØÍÖÈÛÄ×ÉØ×ÉÙÊÓÚ×ØÓÎÉÇÚÉ×ÙÈÓÍÎù ÍÖÈÔÓÉÉ×ÙÈÓÍÎ ìÊÍÆÓØ×ÛÎÃÍÈÔ×ÊÓÎÖÍÊÏÛÈÓÍÎØ××Ï×ØÎ×Ù×ÉÉÛÊÃÚÃÈÔ× Ø×ÌÛÊÈÏ×ÎÈ õ÷ûùôã÷ûêûîøíîùíïìð÷èóíîíöèô÷ùíîèêûùèèíùíîéèêçùèúçóðøóîõé ûîøíèô÷êûééíùóûè÷øóïìêíæ÷ï÷îèéöíêèô÷ú÷î÷öóèíöûïûîçöûùèçêóîõ öûùóðóèãèô÷ïûîçöûùèçêóîõöûùóðóèãéôûððìêíæóø÷ûê÷ùíîùóðóûèóíîíöèô÷ ùíéèíöïûè÷êóûðéçé÷øóîèô÷ùíîéèêçùèóíîíöèô÷úçóðøóîõéûîøíèô÷ê ûééíùóûè÷øóïìêíæ÷ï÷îèéóîùðçøóîõûïíçîèéê÷ìê÷é÷îèóîõûê÷óïúçêé÷ï÷îèíö èêûîéûùèóíîìêóæóð÷õ÷èûä÷éìûóøúãèô÷ê÷èûóð÷ê õôíÎÎÍÈÓÖÓÙÛÈÓÍÎÚÃÈÔ×Ø×ÌÛÊÈÏ×ÎÈÈÔ×ÉÈÛÈ×ÈÊ×ÛÉÇÊ×ÊÉÔÛÐÐ Ù×ÛÉ×ÌÛÃÏ×ÎÈÉÇÎØ×ÊÉÇÚÉ×ÙÈÓÍÎûÍÖÈÔÓÉÉ×ÙÈÓÍÎÓÖ×ÓÈÔ×ÊÍÖÈÔ×ÖÍÐÐÍÅÓÎÕ ÍÙÙÇÊÉ ûÙÓÈÃÈÍÅÎÍÊÙÍÇÎÈÃÔÛÉÊ×Ù×ÓÆ×ØÏÍÎÓ×ÉÈÔÛÈÏ××ÈÍÊ×ÄÙ××Ø ×ÓÕÔÈÃÌ×ÊÙ×ÎÈÍÖÈÔ×ÙÍÉÈÍÖÈÔ×ÌÇÚÐÓÙÓÎÖÊÛÉÈÊÇÙÈÇÊ×ÓÏÌÊÍÆ×Ï×ÎÈÉÈÔÛÈ ÛÊ×Î×Ù×ÉÉÛÊÃÈÍÉÇÌÌÍÊÈÈÔ×ÛÙÈÓÆÓÈÓ×ÉÊ×ÐÛÈ×ØÈÍÈÔ×ÏÛÎÇÖÛÙÈÇÊÓÎÕÖÛÙÓÐÓÈÃ ÛÉØ×ÉÙÊÓÚ×ØÓÎÈÔ×ÅÊÓÈÈ×ÎÛÕÊ××Ï×ÎÈÌÇÊÉÇÛÎÈÈÍÉÇÚÉ×ÙÈÓÍÎ÷öÍÖÈÔÓÉ É×ÙÈÓÍÎ èÔ×ÈÍÈÛÐÛÏÍÇÎÈÉÇÚÒ×ÙÈÈÍÛÎÃØÓÉÈÊÓÚÇÈÓÍÎÊ×ËÇÓÊ×ØÇÎØ×Ê ÉÇÚÉ×ÙÈÓÍÎûÍÖÈÔÓÉÉ×ÙÈÓÍÎÔÛÉÏ×ÈÈÔ×ÏÛÄÓÏÇÏÛÏÍÇÎÈÉ×ÈÚÃÉÇÚÉ×ÙÈÓÍÎù ÍÖÈÔÓÉÉ×ÙÈÓÍÎ ôóöÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÈÔÓÉÉ×ÙÈÓÍÎ ûÉÉÍÙÓÛÈ×ØÓÏÌÊÍÆ×Ï×ÎÈÓÎÙÐÇØ×ÉÛÎÃÌÇÚÐÓÙÓÎÖÊÛÉÈÊÇÙÈÇÊ× ÓÏÌÊÍÆ×Ï×ÎÈÈÔÛÈÓÉÏÛØ×ÖÍÊÈÔ×Ú×Î×ÖÓÈÍÖÈÔ×ÏÛÎÇÖÛÙÈÇÊÓÎÕÖÛÙÓÐÓÈÃ ÍÇÈÉÓØ×ÍÖÈÔ×ÌÛÊÙ×ÐÍÊÌÛÊÙ×ÐÉÍÖÊ×ÛÐÌÊÍÌ×ÊÈÃÅÔ×Ê×ÈÔ×ÏÛÎÇÖÛÙÈÇÊÓÎÕ ÖÛÙÓÐÓÈÃÓÉÐÍÙÛÈ×Ø ùÛÌÓÈÛÐÓÎÆ×ÉÈÏ×ÎÈÏ×ÛÎÉÛÎ×ÄÌ×ÎØÓÈÇÊ×ÈÍÛÙËÇÓÊ×Ð×ÛÉ×ÍÊ ÓÏÌÊÍÆ×ÌÊÍÌ×ÊÈÃÈÔÛÈÓÉÇÉ×ØÖÍÊÈÔ×Ú×Î×ÖÓÈÍÖÛÏÛÎÇÖÛÙÈÇÊÓÎÕÖÛÙÓÐÓÈÃ ÓÎÙÐÇØÓÎÕÐÛÎØÚÇÓÐØÓÎÕÉÏÛÙÔÓÎ×ÊÃÛÎØÖÓÄÈÇÊ×É ïÛÎÇÖÛÙÈÇÊÓÎÕÖÛÙÓÐÓÈÃ Ûï×ÛÎÉÛÎ×ÉÈÛÚÐÓÉÔÏ×ÎÈèôûèóé×ÎÕÛÕ×ØÓÎÈÔ×Ï×ÙÔÛÎÓÙÛÐÌÔÃÉÓÙÛÐ ÍÊÙÔ×ÏÓÙÛÐÈÊÛÎÉÖÍÊÏÛÈÓÍÎÍÊÖÛÚÊÓÙÛÈÓÍÎÍÖÏÛÈ×ÊÓÛÐÉÉÇÚÉÈÛÎÙ×ÉÍÊ ÙÍÏÌÍÎ×ÎÈÉÓÎÈÍÎ×ÅÌÊÍØÇÙÈÉÓÎÈÔÓÉÉÈÛÈ×ÛÎØÈÔÛÈÓÉÙÐÛÉÉÓÖÓ×ØÅÓÈÔÓÎ É×ÙÈÓÍÎÉ ÈÔÊÍÇÕÔ ÓÎÙÐÇÉÓÆ×ÍÖÈÔ× ×ØÓÈÓÍÎÍÖÈÔ×ÎÍÊÈÔûÏ×ÊÓÙÛÎ ÓÎØÇÉÈÊÃÙÐÛÉÉÓÖÓÙÛÈÓÍÎÉÃÉÈ×ÏÛÉÌÇÚÐÓÉÔ×ØÚÃÈÔ×ÎÛÈÓÍÎÛÐÈ×ÙÔÎÓÙÛÐ ÓÎÖÍÊÏÛÈÓÍÎÉ×ÊÆÓÙ×ÍÖÈÔ×çÎÓÈ×ØéÈÛÈ×ÉØ×ÌÛÊÈÏ×ÎÈÍÖÙÍÏÏ×ÊÙ×ÛÎØÈÔ× ×ÉÈÛÚÐÓÉÔÏ×ÎÈèôûèÛÕÊ××ÉÈÍ×ÓÈÔ×Ê ÛÓïÛÑ×ÛÈÐ×ÛÉÈÖÓÆ×ÔÇÎØÊ×ØÏÓÐÐÓÍÎØÍÐÐÛÊÉÓÎÙÛÌÓÈÛÐ ÓÎÆ×ÉÈÏ×ÎÈÓÖÈÔ×ÏÛÎÇÖÛÙÈÇÊÓÎÕÖÛÙÓÐÓÈÃÓÉÐÍÙÛÈ×ØÓÎÛÙÍÇÎÈÃÈÔÛÈÔÛÉÛ ÌÍÌÇÐÛÈÓÍÎÍÖ×ÓÕÔÈÔÇÎØÊ×ØÈÔÍÇÉÛÎØÌ×ÊÉÍÎÉÍÊÏÍÊ× ÚÓÓïÛÑ×ÛÈÐ×ÛÉÈÖÓÖÈÃÏÓÐÐÓÍÎØÍÐÐÛÊÉÓÎÙÛÌÓÈÛÐÓÎÆ×ÉÈÏ×ÎÈÓÖ ÈÔ×ÏÛÎÇÖÛÙÈÇÊÓÎÕÖÛÙÓÐÓÈÃÓÉÐÍÙÛÈ×ØÓÎÛÙÍÇÎÈÃÈÔÛÈÔÛÉÛÌÍÌÇÐÛÈÓÍÎÍÖ Ð×ÉÉÈÔÛÎ×ÓÕÔÈÔÇÎØÊ×ØÈÔÍÇÉÛÎØÌ×ÊÉÍÎÉ ïÛÎÇÖÛÙÈÇÊÓÎÕÖÛÙÓÐÓÈÃ Study Session - March 13, 2013 - Page 62 of 125 ôú ÚøÍ×ÉÎÍÈÓÎÙÐÇØ×ÏÓÎÓÎÕÏÓÐÐÓÎÕÍÊÉÏ×ÐÈÓÎÕÏÓÎ×ÊÛÐÍÊ×ÍÊ Õ×Î×ÊÛÈÓÎÕ×Ð×ÙÈÊÓÙÓÈÃ ìÍÌÇÐÛÈÓÍÎÏ×ÛÎÉÈÔ×ÌÍÌÇÐÛÈÓÍÎØ×È×ÊÏÓÎ×ØÓÎÈÔ×ÏÍÉÈÊ×Ù×ÎÈ çÎÓÈ×ØéÈÛÈ×ÉØ×Ù×ÎÎÓÛÐÙ×ÎÉÇÉÍÊÈÔ×ÏÍÉÈÊ×Ù×ÎÈÉÌ×ÙÓÛÐÙ×ÎÉÇÉÛÉÌÊÍÆÓØ×Ø ÓÎÉ×ÙÈÓÍÎ ìÇÚÐÓÙÓÎÖÊÛÉÈÊÇÙÈÇÊ×Ï×ÛÎÉÅÛÈ×ÊÖÛÙÓÐÓÈÓ×ÉÅÛÉÈ×ÅÛÈ×Ê ÖÛÙÓÐÓÈÓ×ÉÛÎØÊÍÛØÉÈÔÛÈÛÊ×Î×Ù×ÉÉÛÊÃÈÍÉÇÌÌÍÊÈÈÔ×ÛÙÈÓÆÓÈÓ×ÉÍÖÈÔ× ÏÛÎÇÖÛÙÈÇÊÓÎÕÖÛÙÓÐÓÈÃ é×Ù èÓÈÐ× ÙÔÛÌÈ×ÊÛÊÈÓÙÐ×ûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÓÉ ÛÏ×ÎØ×ØÚÃÛØØÓÎÕÉ×ÙÈÓÍÎ ÈÍÊ×ÛØ éÍÇÊÙÓÎÕÍÖÙ×ÊÈÛÓÎÈÊÛÎÉÛÙÈÓÍÎÉÓÎÆÍÐÆÓÎÕÈÛÎÕÓÚÐ× Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃØ×ÖÓÎÓÈÓÍÎÉ û÷äù÷ìèûéìêíæóø÷øóîé÷ùèóíî ê÷èûóðéûð÷éíöèûîõóúð÷ ì÷êéíîûðìêíì÷êèãéôûððú÷éíçêù÷øûéöíððíåé èíèô÷é÷ðð÷êéúçéóî÷ééðíùûèóíîóöèô÷é÷ðð÷êê÷ù÷óæ÷éèô÷íêø÷ê ûèûúçéóî÷ééðíùûèóíîóîèôóééèûè÷ èíèô÷ìçêùôûé÷êéðíùûèóíîóîèôóééèûè÷óöèô÷é÷ðð÷êê÷ù÷óæ÷é èô÷íêø÷êûèûúçéóî÷ééðíùûèóíîíçèéóø÷èôóééèûè÷ úöíêèô÷ìçêìíé÷éíöïçîóùóìûð÷äùóé÷èûä÷éèô÷òçêóéøóùèóíîåóèô èô÷êóõôèèíèûäûéûð÷íöèûîõóúð÷ì÷êéíîûðìêíì÷êèãóéèô÷ùóèãíêèíåî ø÷éùêóú÷øûéöíððíåé åô÷ê÷èô÷íêø÷êóéê÷ù÷óæ÷øûîíêø÷êóéê÷ù÷óæ÷øåô÷îûððíöèô÷ óîöíêïûèóíîî÷ù÷ééûêãèíûùù÷ìèèô÷íêø÷êôûéú÷÷îê÷ù÷óæ÷øúãíêíîú÷ôûðö íöèô÷é÷ðð÷êê÷õûêøð÷ééíöåô÷ê÷èô÷íêø÷êóéûùù÷ìè÷øíêûììêíæ÷øèô÷ ìðûù÷íöúçéóî÷ééíöèô÷ìçêùôûé÷êøí÷éîíèø÷è÷êïóî÷åô÷ê÷èô÷íêø÷êóé ê÷ù÷óæ÷ø óöìûêûõêûìôíöèôóééçúé÷ùèóíîøí÷éîíèûììðãèíûîãùóèãíê èíåîåô÷ê÷èô÷éèíùñóéðíùûè÷øöêíïåôóùôèô÷èûîõóúð÷ì÷êéíîûðìêíì÷êèãóé èûñ÷î óöìûêûõêûìôéûîø íöèôóééçúé÷ùèóíîøíîíèûììðãèíûîãùóèã íêèíåîåô÷ê÷èô÷èêûîéö÷êíöèóèð÷íêìíéé÷ééóíîíöèô÷èûîõóúð÷ì÷êéíîûð ìêíì÷êèãíùùçêê÷ø ùèô÷õêíééê÷ù÷óìèéöêíïð÷ûéóîõíêê÷îèóîõèûîõóúð÷ì÷êéíîûð ìêíì÷êèãéôûððú÷éíçêù÷øûéöíððíåé èíèô÷ð÷ééíêéúçéóî÷ééðíùûèóíîóöèô÷ð÷ééíêôûéûúçéóî÷éé ðíùûèóíîóîèôóééèûè÷ èíèô÷ð÷éé÷÷éûøøê÷ééóöèô÷ð÷ééíêøí÷éîíèôûæ÷ûúçéóî÷éé ðíùûèóíîóîèôóééèûè÷èô÷õêíééê÷ù÷óìèéûê÷èûäûúð÷åô÷îèô÷ìêíì÷êèãóé éôóìì÷øø÷ðóæ÷ê÷øíêíèô÷êåóé÷úêíçõôèóîèíèôóééèûè÷öíêçé÷óîèôóé éèûè÷ øöíêèô÷ìçêìíé÷éíöèôóéé÷ùèóíî ð÷éé÷÷éûøøê÷ééï÷ûîéèô÷ê÷éóø÷îèóûðûøøê÷ééíöûîóîøóæóøçûð ð÷éé÷÷ûîøèô÷ìêóïûêãúçéóî÷ééûøøê÷ééíöûîãíèô÷êð÷éé÷÷ ð÷ééíêéúçéóî÷ééðíùûèóíîï÷ûîéèô÷úçéóî÷ééûøøê÷ééèôûè ûìì÷ûêéíîèô÷ð÷ééíêéèêûîéûùèóíîìêóæóð÷õ÷èûäðóù÷îé÷ Study Session - March 13, 2013 - Page 63 of 125 ôú é÷ðð÷êéúçéóî÷ééðíùûèóíîï÷ûîéèô÷ðíùûèóíîåô÷ê÷ûîãíöèô÷ öíððíåóîõíùùçêé Ûèô÷íêø÷êóéê÷ù÷óæ÷ø Úèô÷éèíùñóéðíùûè÷øöêíïåôóùôèô÷èûîõóúð÷ì÷êéíîûðìêíì÷êèãóé èûñ÷î Ùèô÷èêûîéö÷êíöèóèð÷íêìíéé÷ééóíîíùùçêé é×Ùé×ÙÈÓÍÎ ûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÓÉÛÏ×ÎØ×ØÈÍ Ê×ÛØ ê×ÈÛÓÐÙÐÛÉÉÓÖÓÙÛÈÓÍÎØ×ÖÓÎÓÈÓÍÎÉ ûèÔ×Ê×ÈÛÓÐÙÐÛÉÉÓÖÓÙÛÈÓÍÎÓÉÙÍÏÌÊÓÉ×ØÍÖÈÔ×ÚÇÉÓÎ×ÉÉÍÖÉ×ÐÐÓÎÕ ÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÛÈÊ×ÈÛÓÐèÔ×ÈÛÄÚÛÉ×ÖÍÊÈÔ×Ê×ÈÛÓÐ ÙÐÛÉÉÓÖÓÙÛÈÓÍÎÓÉÈÔ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ×Ø×ÊÓÆ×ØÖÊÍÏ ÈÔ×ÚÇÉÓÎ×ÉÉèÔ×ÈÛÄÓÏÌÍÉ×ØÍÎÈÔ×Ê×ÈÛÓÐÙÐÛÉÉÓÖÓÙÛÈÓÍÎØÍ×ÉÎÍÈÛÌÌÐÃÈÍ ÈÔ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ×ÖÊÍÏ ìÊÍÖ×ÉÉÓÍÎÛÐÍÊÌ×ÊÉÍÎÛÐÉ×ÊÆÓÙ×ÍÙÙÇÌÛÈÓÍÎÉÍÊÚÇÉÓÎ×ÉÉ×ÉÈÔÛÈ ÓÎÆÍÐÆ×ÉÛÐ×ÉÍÊÈÊÛÎÉÖ×ÊÉÍÖÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÍÎÐÃÛÉ ÓÎÙÍÎÉ×ËÇ×ÎÈÓÛÐ×Ð×Ï×ÎÈÉ Ê×ÎØ×Ê×ØÓÎÛØØÓÈÓÍÎÈÍÉ×ÐÐÓÎÕÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃ ÛÈÊ×ÈÛÓÐ éÛÐ×ÉÍÖÅÛÊÊÛÎÈÃÍÊÉ×ÊÆÓÙ×ÙÍÎÈÊÛÙÈÉèÔ×ÉÈÍÊÛÕ×ÇÉ×ÍÊ ÙÍÎÉÇÏÌÈÓÍÎÍÖÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÌÊÍÆÓØ×ØÇÎØ×ÊÈÔ×ÙÍÎØÓÈÓÍÎÉÍÖ ÉÇÙÔÙÍÎÈÊÛÙÈÉÓÉÉÇÚÒ×ÙÈÈÍÈÛÄÇÎØ×ÊÉ×ÙÈÓÍÎ éÛÐ×ÉÍÖÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÚÃÛÎÃÎÍÎÌÊÍÖÓÈÍÊÕÛÎÓÂÛÈÓÍÎ ÍÊÕÛÎÓÂ×ØÛÎØÍÌ×ÊÛÈ×Ø×ÄÙÐÇÉÓÆ×ÐÃÖÍÊÙÔÛÊÓÈÛÚÐ×ÌÇÊÌÍÉ×ÉÛÎØÊ×ÙÍÕÎÓÂ×ØÚÃ ÈÔ×çÎÓÈ×ØéÈÛÈ×ÉÓÎÈ×ÊÎÛÐÊ×Æ×ÎÇ×É×ÊÆÓÙ×ÇÎØ×ÊÉ×ÙÈÓÍÎ Ù ÍÖÈÔ× ÓÎÈ×ÊÎÛÐÊ×Æ×ÎÇ×ÙÍØ× éÛÐ×ÉÈÍÌ×ÊÉÍÎÉ×ÎÕÛÕ×ØÓÎÚÇÉÓÎ×ÉÉÙÐÛÉÉÓÖÓ×ØÇÎØ×ÊÈÔ× Ê×ÉÈÛÇÊÛÎÈÙÐÛÉÉÓÖÓÙÛÈÓÍÎÍÖÛÊÈÓÙÐ×ÉÇÉ×ØÚÃÔÇÏÛÎÚ×ÓÎÕÉÖÍÊÖÍÍØØÊÓÎÑÍÊ ÙÍÎØÓÏ×ÎÈÅÔ×ÈÔ×ÊÉÓÏÌÐ×ÏÓÄ×ØÍÊÙÍÏÌÍÇÎØ×Ø úÇÉÓÎ×ÉÉÛÙÈÓÆÓÈÃÈÔÛÈÓÉÌÊÍÌ×ÊÐÃÓÎÙÐÇØ×ØÓÎÛÎÃÍÈÔ×ÊÚÇÉÓÎ×ÉÉ ÙÐÛÉÉÓÖÓÙÛÈÓÍÎÈÔÛÈÓÉÈÛÄÛÚÐ×ÇÎØ×ÊÈÔÓÉÛÊÈÓÙÐ× èÔ×ÉÛÐ×ÍÖÉÈÍÙÑÉÛÎØÚÍÎØÉ øÊÇÕÉÛÎØÏ×ØÓÙÛÐÍÄÃÕ×ÎÓÎÙÐÇØÓÎÕØ×ÐÓÆ×ÊÃÔÍÉ×ÏÛÉÑÍÊÈ×ÎÈ Ê×ÕÇÐÛÈÍÊÛÎØÈÛÎÑÍÎÈÔ×ÌÊ×ÉÙÊÓÌÈÓÍÎÍÖÛÏ×ÏÚ×ÊÍÖÈÔ×Ï×ØÓÙÛÐØ×ÎÈÛÐÍÊ Æ×È×ÊÓÎÛÊÓÛÎÌÊÍÖ×ÉÉÓÍÎÅÔÍÓÉÐÓÙ×ÎÉ×ØÚÃÐÛÅÈÍÛØÏÓÎÓÉÈ×ÊÉÇÙÔÉÇÚÉÈÛÎÙ×É ìÊÍÉÈÔ×ÈÓÙÛÌÌÐÓÛÎÙ×ÉÛÉØ×ÖÓÎ×ØÓÎÉ×ÙÈÓÍÎ ÌÊ×ÉÙÊÓÚ×ØÍÊ Ê×ÙÍÏÏ×ÎØ×ØÚÃÛÔ×ÛÐÈÔÌÊÍÖ×ÉÉÓÍÎÛÐÅÔÍÓÉÐÓÙ×ÎÉ×ØÌÇÊÉÇÛÎÈÈÍÈÓÈÐ× ÙÔÛÌÈ×Ê ÍÊ óÎÉÇÐÓÎÓÎÉÇÐÓÎÉÃÊÓÎÕ×ÉÛÎØÕÐÇÙÍÉ×È×ÉÈÉÈÊÓÌÉ ìÊ×ÉÙÊÓÌÈÓÍÎ×Ã×ÕÐÛÉÉ×ÉÍÊÙÍÎÈÛÙÈÐ×ÎÉ×É ô×ÛÊÓÎÕÛÓØÉÛÉØ×ÖÓÎ×ØÓÎÉ×ÙÈÓÍÎ øÇÊÛÚÐ×Ï×ØÓÙÛÐ×ËÇÓÌÏ×ÎÈÅÔÓÙÔèôûèÔÛÉÛÙ×ÎÈ×ÊÉÖÍÊÏ×ØÓÙÛÊ×ÛÎØ Ï×ØÓÙÛÓØÉ×ÊÆÓÙ×ÉÙÍÏÏÍÎÌÊÍÙ×ØÇÊ×ÙÍØ×ÓÉØ×ÉÓÕÎÛÈ×ØÊ×ÓÏÚÇÊÉÛÚÐ×ÚÃ Ï×ØÓÙÛÊ×ÓÉÌÊ×ÉÙÊÓÚ×ØÚÃÛÌ×ÊÉÍÎÅÔÍÓÉÐÓÙ×ÎÉ×ØÇÎØ×ÊÈÓÈÐ× ÙÔÛÌÈ×Ê ÍÊ ÙÛÎÅÓÈÔÉÈÛÎØÊ×Ì×ÛÈ×ØÇÉ×ÓÉÌÊÓÏÛÊÓÐÃÛÎØ Study Session - March 13, 2013 - Page 64 of 125 ôú ÙÇÉÈÍÏÛÊÓÐÃÇÉ×ØÈÍÉ×ÊÆ×ÛÏ×ØÓÙÛÐÌÇÊÌÍÉ×ÓÉÕ×Î×ÊÛÐÐÃÎÍÈÇÉ×ÖÇÐÈÍÛ Ì×ÊÉÍÎÓÎÈÔ×ÛÚÉ×ÎÙ×ÍÖÓÐÐÎ×ÉÉÍÊÓÎÒÇÊÃÛÎØÓÉÛÌÌÊÍÌÊÓÛÈ×ÖÍÊÇÉ×ÓÎÈÔ× ÔÍÏ× éÛÐ×ÉÈÍÎÍÎÊ×ÉÓØ×ÎÈÉÍÖÈÔÓÉÉÈÛÈ×ÖÍÊÇÉ×ÍÇÈÉÓØ×ÈÔÓÉÉÈÛÈ×ÓÖ ÈÔ×Æ×ÎØÍÊÉÔÓÌÉÍÊØ×ÐÓÆ×ÊÉÈÔ×ÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÍÇÈÍÖÈÔÓÉ ÉÈÛÈ× öÍÍØÛÉÌÊÍÆÓØ×ØÓÎÛÎØÉÇÚÒ×ÙÈÈÍÈÔ×ÙÍÎØÓÈÓÍÎÉÍÖÛÊÈÓÙÐ× ÍÖÈÔÓÉÙÔÛÌÈ×ÊÛÎØÉ×ÙÈÓÍÎ óÈ×ÏÉÌÇÊÙÔÛÉ×ØÅÓÈÔçÎÓÈ×ØéÈÛÈ×ÉØ×ÌÛÊÈÏ×ÎÈÍÖÛÕÊÓÙÇÐÈÇÊ× ÖÍÍØÉÈÛÏÌÙÍÇÌÍÎÉÓÉÉÇ×ØÇÎØ×ÊÈÔ×ÖÍÍØÉÈÛÏÌÛÙÈÍÖìð éÈÛÈÍÊÖÍÍØÓÎÉÈÊÇÏ×ÎÈÉÓÉÉÇ×ØÇÎØ×ÊÉ×ÙÈÓÍÎÍÖÈÔ×ÙÔÓÐØÎÇÈÊÓÈÓÍÎ ÛÙÈìð éÈÛÈ ìðÉ×ÙÈÓÍÎ çÎÓÈ×ØéÈÛÈ×É ùÍØ×É×ÙÈÓÍÎ è×ÄÈÚÍÍÑÉÚÃÛÎÃÚÍÍÑÉÈÍÊ×ÈÔÛÈÛÊ×Ê×ËÇÓÊ×ØÚÃÛÎÃÉÈÛÈ× ÇÎÓÆ×ÊÉÓÈÃÍÊÙÍÏÏÇÎÓÈÃÙÍÐÐ×Õ× öÍÍØÛÎØØÊÓÎÑÈÍÛÌ×ÊÉÍÎÅÔÍèôûèÓÉ×ÎÕÛÕ×ØÓÎûÚÇÉÓÎ×ÉÉ ÈÔÛÈÓÉÙÐÛÉÉÓÖÓ×ØÇÎØ×ÊÈÔ×Ê×ÉÈÛÇÊÛÎÈÙÐÛÉÉÓÖÓÙÛÈÓÍÎÛÎØÈÔÛÈÌÊÍÆÓØ×ÉÉÇÙÔ ÖÍÍØÛÎØØÊÓÎÑÅÓÈÔÍÇÈÏÍÎ×ÈÛÊÃÙÔÛÊÕ×ÈÍÓÈÉ×ÏÌÐÍÃ××ÉÖÍÊÈÔ×ÓÊÍÅÎ ÙÍÎÉÇÏÌÈÓÍÎÍÎÈÔ×ÌÊ×ÏÓÉ×ÉØÇÊÓÎÕÈÔ××ÏÌÐÍÃ××ÉÔÍÇÊÉÍÖ×ÏÌÐÍÃÏ×ÎÈ ûÊÈÓÙÐ×ÉÍÖÖÍÍØØÊÓÎÑÍÊÙÍÎØÓÏ×ÎÈÛÎØÛÙÙ×ÉÉÍÊÃÈÛÎÕÓÚÐ× Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÈÍÛÉÙÔÍÍÐØÓÉÈÊÓÙÈÍÊÙÔÛÊÈ×ÊÉÙÔÍÍÐÓÖÉÇÙÔÛÊÈÓÙÐ×ÉÛÎØ ÛÙÙ×ÉÉÍÊÃÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÛÊ×ÈÍÚ×ÌÊ×ÌÛÊ×ØÛÎØÉ×ÊÆ×ØÈÍÌ×ÊÉÍÎÉ ÖÍÊÙÍÎÉÇÏÌÈÓÍÎÍÎÈÔ×ÌÊ×ÏÓÉ×ÉÍÖÛÌÇÚÐÓÙÉÙÔÍÍÐÅÓÈÔÓÎÈÔ×ØÓÉÈÊÓÙÈÍÊÍÎ ÈÔ×ÌÊ×ÏÓÉ×ÉÍÖÈÔ×ÙÔÛÊÈ×ÊÉÙÔÍÍÐØÇÊÓÎÕÉÙÔÍÍÐÔÍÇÊÉ ðÍÈÈ×ÊÃÈÓÙÑ×ÈÉÍÊÉÔÛÊ×ÉÌÇÊÉÇÛÎÈÈÍÈÓÈÐ×ÙÔÛÌÈ×Ê ÛÊÈÓÙÐ× èÔ×ÉÛÐ×ÍÖÌÊ×ÙÓÍÇÉÏ×ÈÛÐÚÇÐÐÓÍÎÛÎØÏÍÎ×ÈÓÂ×ØÚÇÐÐÓÍÎÈÍ ÈÔ×ÇÐÈÓÏÛÈ×ÙÍÎÉÇÏ×ÊÚÇÈÈÔ×ÉÛÐ×ÍÖÙÍÓÎÉÍÊÍÈÔ×ÊÖÍÊÏÉÍÖÏÍÎ×ÃÖÍÊ ÏÛÎÇÖÛÙÈÇÊ×ÓÎÈÍÒ×Å×ÐÊÃÍÊÅÍÊÑÉÍÖÛÊÈÓÉÉÇÚÒ×ÙÈÈÍÈÔ×ÈÛÄöÍÊÈÔ× ÌÇÊÌÍÉ×ÉÍÖÈÔÓÉÌÛÊÛÕÊÛÌÔ ÛïÍÎ×ÈÓÂ×ØÚÇÐÐÓÍÎÏ×ÛÎÉÙÍÓÎÉÛÎØÍÈÔ×ÊÖÍÊÏÉÍÖÏÍÎ×ÃÈÔÛÈÛÊ× ÏÛÎÇÖÛÙÈÇÊ×ØÖÊÍÏÕÍÐØÉÓÐÆ×ÊÍÊÍÈÔ×ÊÏ×ÈÛÐÉÛÎØÈÔÛÈÔÛÆ×Ú××ÎÍÊÛÊ×ÇÉ×Ø ÛÉÛÏ×ØÓÇÏÍÖ×ÄÙÔÛÎÕ×ÓÎÈÔÓÉÍÊÛÎÍÈÔ×ÊÉÈÛÈ×ÈÔ×çÎÓÈ×ØéÈÛÈ×ÉÍÊÛ ÖÍÊ×ÓÕÎÎÛÈÓÍÎ ÚìÊ×ÙÓÍÇÉÏ×ÈÛÐÚÇÐÐÓÍÎÏ×ÛÎÉÌÊ×ÙÓÍÇÉÏ×ÈÛÐÓÎÙÐÇØÓÎÕÕÍÐØ ÉÓÐÆ×ÊÌÐÛÈÓÎÇÏÊÔÍØÓÇÏÛÎØÌÛÐÐÛØÓÇÏÈÔÛÈÔÛÉÚ××ÎÉÏ×ÐÈ×ØÍÊÊ×ÖÓÎ×ØÉÍ ÈÔÛÈÓÈÉÆÛÐÇ×Ø×Ì×ÎØÉÍÎÓÈÉÙÍÎÈ×ÎÈÉÛÎØÎÍÈÍÎÓÈÉÖÍÊÏ ïÍÈÍÊÆ×ÔÓÙÐ×ÖÇ×ÐÛÎØÇÉ×ÖÇ×ÐÈÔÛÈÛÊ×ÉÇÚÒ×ÙÈÈÍÛÈÛÄ ÓÏÌÍÉ×ØÇÎØ×ÊÈÓÈÐ× ÙÔÛÌÈ×ÊÛÊÈÓÙÐ×ÉÛÐ×ÉÍÖÇÉ×ÖÇ×ÐÈÍÛÔÍÐØ×Ê ÍÖÛÆÛÐÓØÉÓÎÕÐ×ÈÊÓÌÇÉ×ÖÇ×ÐÈÛÄÌ×ÊÏÓÈÓÉÉÇ×ØÇÎØ×ÊÉ×ÙÈÓÍÎ ÉÛÐ×ÉÍÖÛÆÓÛÈÓÍÎÖÇ×ÐÈÔÛÈÛÊ×ÉÇÚÒ×ÙÈÈÍÈÔ×ÈÛÄÓÏÌÍÉ×ØÇÎØ×ÊÉ×ÙÈÓÍÎ ÛÎØÉÛÐ×ÉÍÖÒ×ÈÖÇ×ÐÈÔÛÈÛÊ×ÉÇÚÒ×ÙÈÈÍÈÔ×ÈÛÄÓÏÌÍÉ×ØÇÎØ×Ê ÛÊÈÓÙÐ×ÍÖÈÔÓÉÙÔÛÌÈ×Ê èÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÉÍÐØÈÍÛÌ×ÊÉÍÎ×ÎÕÛÕ×ØÓÎÈÔ× ÚÇÉÓÎ×ÉÉÍÖÐ×ÛÉÓÎÕÍÊÊ×ÎÈÓÎÕÉÇÙÔÌÊÍÌ×ÊÈÃÇÎØ×ÊÈÔ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃ Study Session - March 13, 2013 - Page 65 of 125 ôú Ê×ÎÈÛÐÙÐÛÉÉÓÖÓÙÛÈÓÍÎÓÖÉÇÙÔÌÊÍÌ×ÊÈÃÓÉÈÍÚ×Ð×ÛÉ×ØÍÊÊ×ÎÈ×ØÚÃÉÇÙÔ Ì×ÊÉÍÎ èÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÉÍÐØÓÎÓÎÈ×ÊÉÈÛÈ×ÍÊÖÍÊ×ÓÕÎ ÙÍÏÏ×ÊÙ×ÓÖÌÊÍÔÓÚÓÈ×ØÖÊÍÏÚ×ÓÎÕÉÍÈÛÄ×ØÚÃÈÔ×ùÍÎÉÈÓÈÇÈÓÍÎÍÖÈÔ×çÎÓÈ×Ø éÈÛÈ×ÉÍÊÈÔ×ÙÍÎÉÈÓÈÇÈÓÍÎÍÖÈÔÓÉÉÈÛÈ× èÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÉÍÐØÈÍ ÛûËÇÛÐÓÖÃÓÎÕÔÍÉÌÓÈÛÐÛÉØ×ÖÓÎ×ØÓÎÉ×ÙÈÓÍÎ ÚûËÇÛÐÓÖÃÓÎÕÔ×ÛÐÈÔÙÛÊ×ÍÊÕÛÎÓÂÛÈÓÍÎÛÉØ×ÖÓÎ×ØÓÎÉ×ÙÈÓÍÎ ÓÖÈÔ×ÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÓÉÇÉ×ØÚÃÈÔ×ÍÊÕÛÎÓÂÛÈÓÍÎÉÍÐ×ÐÃ ÈÍÌÊÍÆÓØ×Ô×ÛÐÈÔÛÎØÏ×ØÓÙÛÐÊ×ÐÛÈ×Ø×ØÇÙÛÈÓÍÎÛÐÛÎØÙÔÛÊÓÈÛÚÐ×É×ÊÆÓÙ×É ÙûËÇÛÐÓÖÃÓÎÕÔ×ÛÐÈÔÙÛÊ×ÍÊÕÛÎÓÂÛÈÓÍÎÛÉØ×ÖÓÎ×ØÓÎÉ×ÙÈÓÍÎ ÓÖÈÔ×ÍÊÕÛÎÓÂÛÈÓÍÎÓÉØ×ØÓÙÛÈ×ØÈÍÌÊÍÆÓØÓÎÕ×ØÇÙÛÈÓÍÎÛÐ ÈÔ×ÊÛÌ×ÇÈÓÙÊ×ÔÛÚÓÐÓÈÛÈÓÆ×ÛÎØÖÛÏÓÐÃÏ×ØÓÙÛÐ×ØÇÙÛÈÓÍÎÈÊÛÓÎÓÎÕÖÍÊÚÐÓÎØ ÆÓÉÇÛÐÐÃÓÏÌÛÓÊ×ØÛÎØÏÇÐÈÓÔÛÎØÓÙÛÌÌ×ØÙÔÓÐØÊ×ÎÖÊÍÏÈÔ×ÈÓÏ×ÍÖÚÓÊÈÔÈÍÛÕ× ÈÅ×ÎÈÃÍÎ× ØûËÇÛÐÓÖÃÓÎÕÙÍÏÏÇÎÓÈÃÔ×ÛÐÈÔÙ×ÎÈ×ÊÛÉØ×ÖÓÎ×ØÓÎÉ×ÙÈÓÍÎ ×ûÎÍÎÌÊÍÖÓÈÙÔÛÊÓÈÛÚÐ×ÍÊÕÛÎÓÂÛÈÓÍÎÈÔÛÈÔÛÉËÇÛÐÓÖÓ×ØÇÎØ×Ê É×ÙÈÓÍÎ Ù ÍÖÈÔ×ÓÎÈ×ÊÎÛÐÊ×Æ×ÎÇ×ÙÍØ×ÛÎØÈÔÛÈÊ×ÕÇÐÛÊÐÃÉ×ÊÆ×É Ï×ÛÐÉÈÍÈÔ×Î××ØÃÛÎØÓÎØÓÕ×ÎÈÍÎÛÙÍÎÈÓÎÇÓÎÕÚÛÉÓÉÛÈÎÍÙÍÉÈ ÖöÍÊÈÛÄÛÚÐ×Ì×ÊÓÍØÉÚ×ÕÓÎÎÓÎÕÖÊÍÏÛÎØÛÖÈ×ÊòÇÎ× Û ÎÍÎÌÊÍÖÓÈÙÔÛÊÓÈÛÚÐ×ÍÊÕÛÎÓÂÛÈÓÍÎÈÔÛÈÔÛÉËÇÛÐÓÖÓ×ØÇÎØ×ÊÉ×ÙÈÓÍÎ Ù ÍÖÈÔ×ÓÎÈ×ÊÎÛÐÊ×Æ×ÎÇ×ÙÍØ×ÛÎØÈÔÛÈÌÊÍÆÓØ×ÉÊ×ÉÓØ×ÎÈÓÛÐÛÌÛÊÈÏ×ÎÈÔÍÇÉÓÎÕ ÖÍÊÐÍÅÓÎÙÍÏ×Ì×ÊÉÍÎÉÍÆ×ÊÉÓÄÈÃÈÅÍÃ×ÛÊÉÍÖÛÕ×ÓÎÛÖÛÙÓÐÓÈÃÈÔÛÈ ËÇÛÐÓÖÓ×ÉÖÍÊÛÖ×Ø×ÊÛÐÔÍÇÉÓÎÕÉÇÚÉÓØÃÓÖÈÔ×ÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÓÉ ÇÉ×ØÚÃÈÔ×ÍÊÕÛÎÓÂÛÈÓÍÎÉÍÐ×ÐÃÈÍÌÊÍÆÓØ×Ê×ÉÓØ×ÎÈÓÛÐÛÌÛÊÈÏ×ÎÈÔÍÇÉÓÎÕÖÍÊ ÐÍÅÓÎÙÍÏ×Ì×ÊÉÍÎÉÍÆ×ÊÉÓÄÈÃÈÅÍÃ×ÛÊÉÍÖÛÕ×ÓÎÛÖÛÙÓÐÓÈÃÈÔÛÈËÇÛÐÓÖÓ×É ÖÍÊÛÖ×Ø×ÊÛÐÔÍÇÉÓÎÕÉÇÚÉÓØÃ ïÛÕÛÂÓÎ×ÉÍÊÍÈÔ×ÊÌ×ÊÓÍØÓÙÛÐÉÍÊÍÈÔ×ÊÌÇÚÐÓÙÛÈÓÍÎÉÚÃÈÔÓÉ ÉÈÛÈ×ÈÍ×ÎÙÍÇÊÛÕ×ÈÍÇÊÓÉÈÈÊÛÆ×Ð èÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÉÍÐØÈÍÛÌ×ÊÉÍÎÈÔÛÈÓÉÉÇÚÒ×ÙÈÈÍ ÈÛÄÇÎØ×ÊÈÔÓÉÛÊÈÓÙÐ×ÚÃÊ×ÛÉÍÎÍÖÚ×ÓÎÕ×ÎÕÛÕ×ØÓÎÚÇÉÓÎ×ÉÉÙÐÛÉÉÓÖÓ×Ø ÇÎØ×ÊÈÔ×ÌÊÓÏ×ÙÍÎÈÊÛÙÈÓÎÕïûîçöûùèçê÷øúçóðøóîõø÷ûð÷êÙÐÛÉÉÓÖÓÙÛÈÓÍÎÇÎØ×Ê É×ÙÈÓÍÎ ÍÊÈÍÛÉÇÚÙÍÎÈÊÛÙÈÍÊÅÍÊÑÓÎÕÇÎØ×ÊÈÔ×ÙÍÎÈÊÍÐÍÖÛÌÊÓÏ× ÙÍÎÈÊÛÙÈÍÊÈÔÛÈÓÉÉÇÚÒ×ÙÈÈÍÈÛÄÇÎØ×ÊÛÊÈÓÙÐ×ÍÖÈÔÓÉÙÔÛÌÈ×ÊÓÖÈÔ× ÌÊÍÌ×ÊÈÃÉÍÉÍÐØÓÉÛÎÃÍÖÈÔ×ÖÍÐÐÍÅÓÎÕ Ûèíú÷ÓÎÙÍÊÌÍÊÛÈ×ØÍÊÖÛÚÊÓÙÛÈ×ØÚÃÈÔ×Ì×ÊÉÍÎÓÎÈÍûïûîçöûùèçê÷ø úçóðøóîõÛÎÃÊ×ÛÐÌÊÍÌ×ÊÈÃÉÈÊÇÙÈÇÊ×ÌÊÍÒ×ÙÈØ×Æ×ÐÍÌÏ×ÎÈÍÊÓÏÌÊÍÆ×Ï×ÎÈ ÛÉÌÛÊÈÍÖÈÔ×ÚÇÉÓÎ×ÉÉ ÚçÉ×ØÓÎ×ÎÆÓÊÍÎÏ×ÎÈÛÐÊ×ÉÌÍÎÉ×ÍÊÊ×Ï×ØÓÛÈÓÍÎÛÙÈÓÆÓÈÓ×ÉÇÎØ×Ê É×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎúÌÛÊÛÕÊÛÌÔ èÔ×ÉÛÐ×ÍÖÛÏÍÈÍÊÆ×ÔÓÙÐ×ÈÍ ÛûÎÍÎÊ×ÉÓØ×ÎÈÍÖÈÔÓÉÉÈÛÈ×ÓÖÈÔ×ÌÇÊÙÔÛÉ×ÊÉÉÈÛÈ×ÍÖÊ×ÉÓØ×ÎÙ× ØÍ×ÉÎÍÈÛÐÐÍÅÛÙÍÊÊ×ÉÌÍÎØÓÎÕÇÉ×ÈÛÄ×Ä×ÏÌÈÓÍÎÈÍÈÔ×ÈÛÄÓÏÌÍÉ×ØÚÃ ÛÊÈÓÙÐ×ÍÖÈÔÓÉÙÔÛÌÈ×ÊÛÎØÓÖÈÔ×ÎÍÎÊ×ÉÓØ×ÎÈÔÛÉÉ×ÙÇÊ×ØÛÉÌ×ÙÓÛÐÎÓÎ×ÈÃ Study Session - March 13, 2013 - Page 66 of 125 ôú ØÛÃÎÍÎÊ×ÉÓØ×ÎÈÊ×ÕÓÉÈÊÛÈÓÍÎÌ×ÊÏÓÈÖÍÊÈÔ×Æ×ÔÓÙÐ×ÛÉÌÊ×ÉÙÊÓÚ×ØÚÃÉ×ÙÈÓÍÎÉ ÛÎØ ÚûÎ×ÎÊÍÐÐ×ØÏ×ÏÚ×ÊÍÖÛÎóÎØÓÛÎÈÊÓÚ×ÅÔÍÊ×ÉÓØ×ÉÍÎÈÔ×óÎØÓÛÎ Ê×É×ÊÆÛÈÓÍÎ×ÉÈÛÚÐÓÉÔ×ØÖÍÊÈÔÛÈÈÊÓÚ× èÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÌÇÊÙÔÛÉ×ØÓÎÈÔÓÉÉÈÛÈ×ÚÃÛ ÎÍÎÌÊÍÖÓÈÙÔÛÊÓÈÛÚÐ×ÍÊÕÛÎÓÂÛÈÓÍÎÈÔÛÈÔÛÉËÇÛÐÓÖÓ×ØÇÎØ×ÊÉ×ÙÈÓÍÎ Ù ÍÖÈÔ×çÎÓÈ×ØéÈÛÈ×ÉÓÎÈ×ÊÎÛÐÊ×Æ×ÎÇ×ÙÍØ×ÛÎØÈÔÛÈ×ÎÕÛÕ×ÉÓÎÛÎØÇÉ×ÉÉÇÙÔ ÌÊÍÌ×ÊÈÃ×ÄÙÐÇÉÓÆ×ÐÃÓÎÌÊÍÕÊÛÏÉÖÍÊÏ×ÎÈÛÐÐÃÍÊÌÔÃÉÓÙÛÐÐÃÔÛÎØÓÙÛÌÌ×Ø Ì×ÊÉÍÎÉÓÖÈÔ×ÌÊÍÕÊÛÏÉÛÊ××ÄÙÐÇÉÓÆ×ÐÃÖÍÊÈÊÛÓÎÓÎÕÒÍÚÌÐÛÙ×Ï×ÎÈ Ê×ÔÛÚÓÐÓÈÛÈÓÍÎÍÊÈ×ÉÈÓÎÕ éÛÐ×ÉÍÖÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÚÃÛÎÍÎÌÊÍÖÓÈ ÍÊÕÛÎÓÂÛÈÓÍÎÈÔÛÈÓÉ×Ä×ÏÌÈÖÊÍÏÈÛÄÛÈÓÍÎÇÎØ×ÊÉ×ÙÈÓÍÎ Ù Ù ÍÊ ÙÍÖÈÔ×ÓÎÈ×ÊÎÛÐÊ×Æ×ÎÇ×ÙÍØ×ÓÖÈÔ×ÍÊÕÛÎÓÂÛÈÓÍÎÓÉÛÉÉÍÙÓÛÈ×Ø ÅÓÈÔÛÏÛÒÍÊÐ×ÛÕÇ×ÚÛÉ×ÚÛÐÐÈ×ÛÏÍÊÛÎÛÈÓÍÎÛÐÈÍÇÊÓÎÕÌÊÍÖ×ÉÉÓÍÎÛÐÕÍÐÖÓÎÕ ÛÉÉÍÙÓÛÈÓÍÎÛÎØÎÍÌÛÊÈÍÖÈÔ×ÍÊÕÛÎÓÂÛÈÓÍÎÉÎ×È×ÛÊÎÓÎÕÉÓÎÇÊ×ÉÈÍÈÔ× Ú×Î×ÖÓÈÍÖÛÎÃÌÊÓÆÛÈ×ÉÔÛÊ×ÔÍÐØ×ÊÍÊÓÎØÓÆÓØÇÛÐ éÛÐ×ÉÍÖÙÍÏÏÍØÓÈÓ×ÉÛÉØ×ÖÓÎ×ØÚÃÈÓÈÐ×çÎÓÈ×ØéÈÛÈ×ÉùÍØ× É×ÙÈÓÍÎ ÈÔÛÈÛÊ×ÙÍÎÉÓÕÎ×ØÖÍÊÊ×ÉÛÐ×ÓÎÛÅÛÊ×ÔÍÇÉ×ÓÎÈÔÓÉÉÈÛÈ×ÓÎÍÊ ÖÊÍÏÅÔÓÙÔÈÔ×ÙÍÏÏÍØÓÈÃÓÉØ×ÐÓÆ×ÊÛÚÐ×ÍÎÛÙÍÎÈÊÛÙÈÖÍÊÖÇÈÇÊ×Ø×ÐÓÆ×ÊÃ ÉÇÚÒ×ÙÈÈÍÈÔ×ÊÇÐ×ÉÍÖÛÙÍÏÏÍØÓÈÃÏÛÊÑ×ÈÊ×ÕÇÐÛÈ×ØÚÃÈÔ×çÎÓÈ×ØéÈÛÈ×É ÙÍÏÏÍØÓÈÃÖÇÈÇÊ×ÉÈÊÛØÓÎÕÙÍÏÏÓÉÉÓÍÎ éÛÐ×ÉÍÖÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÚÃÛÎÍÎÌÊÍÖÓÈ ÍÊÕÛÎÓÂÛÈÓÍÎÈÔÛÈÓÉ×Ä×ÏÌÈÖÊÍÏÈÛÄÛÈÓÍÎÇÎØ×ÊÉ×ÙÈÓÍÎ Ù Ù Ù ÙÍÊ ÙÍÖÈÔ×ÓÎÈ×ÊÎÛÐÊ×Æ×ÎÇ×ÙÍØ×ÓÖÈÔ× ÍÊÕÛÎÓÂÛÈÓÍÎÉÌÍÎÉÍÊÉÍÊÍÌ×ÊÛÈ×ÉÛÊÍØ×ÍÖ×ÛÈÇÊÓÎÕÌÊÓÏÛÊÓÐÃÖÛÊÏÛÎØÊÛÎÙÔ ÛÎÓÏÛÐÉÛÎØÎÍÌÛÊÈÍÖÈÔ×ÍÊÕÛÎÓÂÛÈÓÍÎÉÎ×È×ÛÊÎÓÎÕÉÓÎÇÊ×ÉÈÍÈÔ×Ú×Î×ÖÓÈ ÍÖÛÎÃÌÊÓÆÛÈ×ÉÔÛÊ×ÔÍÐØ×ÊÍÊÓÎØÓÆÓØÇÛÐ éÛÐ×ÉÍÖÉ××ØÉÉ××ØÐÓÎÕÉÊÍÍÈÉÚÇÐÚÉÙÇÈÈÓÎÕÉÛÎØÍÈÔ×Ê ÌÊÍÌÛÕÛÈÓÆ×ÏÛÈ×ÊÓÛÐÈÍÌ×ÊÉÍÎÉÅÔÍÇÉ×ÈÔÍÉ×ÓÈ×ÏÉÈÍÙÍÏÏ×ÊÙÓÛÐÐÃÌÊÍØÇÙ× ÛÕÊÓÙÇÐÈÇÊÛÐÔÍÊÈÓÙÇÐÈÇÊÛÐÆÓÈÓÙÇÐÈÇÊÛÐÍÊÖÐÍÊÓÙÇÐÈÇÊÛÐÙÊÍÌÉÓÎÈÔÓÉ ÉÈÛÈ× ïÛÙÔÓÎ×ÊÃ×ËÇÓÌÏ×ÎÈÈ×ÙÔÎÍÐÍÕÃÍÊÊ×ÐÛÈ×ØÉÇÌÌÐÓ×ÉÈÔÛÈÛÊ× ÍÎÐÃÇÉ×ÖÇÐÈÍÛÉÉÓÉÈÛÌ×ÊÉÍÎÅÔÍÓÉÌÔÃÉÓÙÛÐÐÃØÓÉÛÚÐ×ØÛÉØ×ÖÓÎ×ØÓÎ É×ÙÈÓÍÎÔÛÉÛØ×Æ×ÐÍÌÏ×ÎÈÛÐØÓÉÛÚÓÐÓÈÃÛÉØ×ÖÓÎ×ØÓÎÉ×ÙÈÓÍÎ ÍÊÔÛÉÛÔ×ÛØÓÎÒÇÊÃÛÉØ×ÖÓÎ×ØÓÎÉ×ÙÈÓÍÎ ÈÍÚ×ÏÍÊ×ÓÎØ×Ì×ÎØ×ÎÈÛÎØ ÖÇÎÙÈÓÍÎÛÐ éÛÐ×ÉÍÖÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÈÔÛÈÓÉÉÔÓÌÌ×ØÍÊØ×ÐÓÆ×Ê×Ø ØÓÊ×ÙÈÐÃÈÍÛØ×ÉÈÓÎÛÈÓÍÎÍÇÈÉÓØ×ÈÔ×çÎÓÈ×ØéÈÛÈ×ÉÖÍÊÇÉ×ÓÎÈÔÛÈÖÍÊ×ÓÕÎ ÙÍÇÎÈÊÃ éÛÐ×ÉÍÖÎÛÈÇÊÛÐÕÛÉÍÊÐÓËÇ×ÖÓ×ØÌ×ÈÊÍÐ×ÇÏÕÛÉÇÉ×ØÈÍÌÊÍÌ×Ð ÛÏÍÈÍÊÆ×ÔÓÙÐ× ìÛÌ×ÊÏÛÙÔÓÎ×ÙÐÍÈÔÓÎÕÉÇÙÔÛÉÖÍÊÏÓÎÕÖÛÚÊÓÙÉÛÎØØÊÃ×Ê Ö×ÐÈÉÉÍÐØÈÍÛÌÛÌ×ÊÏÛÎÇÖÛÙÈÇÊ×ÊÛÎØØÓÊ×ÙÈÐÃÇÉ×ØÍÊÙÍÎÉÇÏ×ØÓÎÌÛÌ×Ê ÏÛÎÇÖÛÙÈÇÊÓÎÕ Study Session - March 13, 2013 - Page 67 of 125 ôú ùÍÛÐÌ×ÈÊÍÐ×ÇÏÙÍÑ×ÎÛÈÇÊÛÐÕÛÉÆÓÊÕÓÎÖÇ×ÐÍÓÐÛÎØ ×Ð×ÙÈÊÓÙÓÈÃÉÍÐØÈÍÛËÇÛÐÓÖÓ×Ø×ÎÆÓÊÍÎÏ×ÎÈÛÐÈ×ÙÔÎÍÐÍÕÃÏÛÎÇÖÛÙÈÇÊ×Ê ÌÊÍØÇÙ×ÊÍÊÌÊÍÙ×ÉÉÍÊÛÉØ×ÖÓÎ×ØÓÎÉ×ÙÈÓÍÎ ÛÎØØÓÊ×ÙÈÐÃÇÉ×ØÍÊ ÙÍÎÉÇÏ×ØÓÎÈÔ×Õ×Î×ÊÛÈÓÍÎÍÊÌÊÍÆÓÉÓÍÎÍÖÍÎÉÓÈ×ÌÍÅ×ÊÍÊ×Î×ÊÕÃÉÍÐ×ÐÃÖÍÊ ×ÎÆÓÊÍÎÏ×ÎÈÛÐÈ×ÙÔÎÍÐÍÕÃÏÛÎÇÖÛÙÈÇÊÓÎÕÌÊÍØÇÙÓÎÕÍÊÌÊÍÙ×ÉÉÓÎÕÍÊ ×ÎÆÓÊÍÎÏ×ÎÈÛÐÌÊÍÈ×ÙÈÓÍÎèÔÓÉÌÛÊÛÕÊÛÌÔÉÔÛÐÐÛÌÌÐÃÖÍÊÈÅ×ÎÈÃÖÇÐÐ ÙÍÎÉ×ÙÇÈÓÆ×ÙÛÐ×ÎØÛÊÍÊÖÓÉÙÛÐÃ×ÛÊÉÖÊÍÏÈÔ×ØÛÈ×ÈÔ×ÖÓÊÉÈÌÛÌ×Ê ÏÛÎÇÖÛÙÈÇÊÓÎÕÏÛÙÔÓÎ×ÓÉÌÐÛÙ×ØÓÎÉ×ÊÆÓÙ×óÎÈÔ×ÙÛÉ×ÍÖÛÎ×ÎÆÓÊÍÎÏ×ÎÈÛÐ È×ÙÔÎÍÐÍÕÃÏÛÎÇÖÛÙÈÇÊ×ÊÌÊÍØÇÙ×ÊÍÊÌÊÍÙ×ÉÉÍÊÅÔÍØÍ×ÉÎÍÈÏÛÎÇÖÛÙÈÇÊ× ÌÛÌ×ÊÈÔ×ÈÓÏ×Ì×ÊÓÍØÉÔÛÐÐÚ×ÕÓÎÅÓÈÔÈÔ×ØÛÈ×ÈÔ×ÖÓÊÉÈÏÛÎÇÖÛÙÈÇÊÓÎÕ ÌÊÍÙ×ÉÉÓÎÕÍÊÌÊÍØÇÙÈÓÍÎ×ËÇÓÌÏ×ÎÈÓÉÌÐÛÙ×ØÓÎÉ×ÊÆÓÙ× éÛÐ×ÉÍÖÐÓËÇÓØÉÍÐÓØÍÊÕÛÉ×ÍÇÉÙÔ×ÏÓÙÛÐÉÇÉ×ØÓÎ ÏÛÎÇÖÛÙÈÇÊÓÎÕÌÊÍÙ×ÉÉÓÎÕÖÛÚÊÓÙÛÈÓÎÕÏÓÎÓÎÕÊ×ÖÓÎÓÎÕÏ×ÈÛÐÐÇÊÕÓÙÛÐ ÍÌ×ÊÛÈÓÍÎÉÊ×É×ÛÊÙÔÛÎØØ×Æ×ÐÍÌÏ×ÎÈÛÎØÚ×ÕÓÎÎÓÎÕÍÎòÛÎÇÛÊÃ ÌÊÓÎÈÓÎÕÓÖÇÉÓÎÕÍÊÙÍÎÉÇÏÓÎÕÈÔ×ÙÔ×ÏÓÙÛÐÉÛÐÍÎ×ÍÊÛÉÌÛÊÈÍÖÛÎ ÓÎÈ×ÕÊÛÈ×ØÉÃÉÈ×ÏÍÖÙÔ×ÏÓÙÛÐÉÓÎÆÍÐÆ×ÉØÓÊ×ÙÈÙÍÎÈÛÙÈÅÓÈÔÈÔ×ÏÛÈ×ÊÓÛÐÉ ÖÊÍÏÅÔÓÙÔÈÔ×ÌÊÍØÇÙÈÓÉÌÊÍØÇÙ×ØÖÍÊÈÔ×ÌÇÊÌÍÉ×ÍÖÙÛÇÉÓÎÕÍÊÌ×ÊÏÓÈÈÓÎÕÛ ÙÔ×ÏÓÙÛÐÍÊÌÔÃÉÓÙÛÐÙÔÛÎÕ×ÈÍÍÙÙÇÊÓÎÈÔ×ÏÛÈ×ÊÓÛÐÉÛÉÌÛÊÈÍÖÈÔ× ÌÊÍØÇÙÈÓÍÎÌÊÍÙ×ÉÉèÔÓÉÌÛÊÛÕÊÛÌÔØÍ×ÉÎÍÈÓÎÙÐÇØ×ÙÔ×ÏÓÙÛÐÉÈÔÛÈÛÊ×ÇÉ×Ø ÍÊÙÍÎÉÇÏ×ØÓÎÛÙÈÓÆÓÈÓ×ÉÉÇÙÔÛÉÌÛÙÑÛÕÓÎÕÉÈÍÊÛÕ×ÍÊÈÊÛÎÉÌÍÊÈÛÈÓÍÎÚÇÈ ØÍ×ÉÎÍÈÛÖÖ×ÙÈÛÎÃØ×ØÇÙÈÓÍÎÖÍÊÉÇÙÔÙÔ×ÏÓÙÛÐÉÈÔÛÈÓÉÍÈÔ×ÊÅÓÉ×ÌÊÍÆÓØ×Ø ÚÃÈÔÓÉÉ×ÙÈÓÍÎöÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÈÔÓÉÌÛÊÛÕÊÛÌÔÌÊÓÎÈÓÎÕÏ×ÛÎÉÛ ÙÍÏÏ×ÊÙÓÛÐÌÊÓÎÈÓÎÕÍÌ×ÊÛÈÓÍÎÛÎØÓÎÙÐÇØ×ÉÒÍÚÌÊÓÎÈÓÎÕ×ÎÕÊÛÆÓÎÕ ×ÏÚÍÉÉÓÎÕÙÍÌÃÓÎÕÛÎØÚÍÍÑÚÓÎØÓÎÕ èÔÊÍÇÕÔø×Ù×ÏÚ×Ê Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÐÓËÇÓØÛÈÓÍÎ ÈÊÛÎÉÛÙÈÓÍÎÉÙÍÎØÇÙÈ×ØÚÃÛÌ×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÐÓËÇÓØÛÈÍÊöÊÍÏÛÎØÛÖÈ×Ê ø×Ù×ÏÚ×Ê Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÐÓËÇÓØÛÈÓÍÎÈÊÛÎÉÛÙÈÓÍÎÉÉÔÛÐÐÚ× ÈÛÄÛÚÐ×ÇÎØ×ÊÈÔÓÉÉ×ÙÈÓÍÎÌÊÍÆÓØ×ØÈÔÛÈÎÍÈÔÓÎÕÓÎÈÔÓÉÉÇÚÉ×ÙÈÓÍÎÉÔÛÐÐÚ× ÙÍÎÉÈÊÇ×ØÈÍÛÇÈÔÍÊÓÂ×ÈÔ×ÈÛÄÛÈÓÍÎÍÖÙÛÉÇÛÐÛÙÈÓÆÓÈÓ×ÉÍÊÈÊÛÎÉÛÙÈÓÍÎÉ ÇÎØ×ÊÈÔÓÉÙÔÛÌÈ×ÊöÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÈÔÓÉÌÛÊÛÕÊÛÌÔ Ûì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÐÓËÇÓØÛÈÓÍÎÈÊÛÎÉÛÙÈÓÍÎÏ×ÛÎÉÛÉÛÐ×ÍÖ Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÏÛØ×ÚÃÛÌ×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÐÓËÇÓØÛÈÍÊÛÙÈÓÎÕÉÍÐ×ÐÃÍÎ Ú×ÔÛÐÖÍÖÈÔ×ÍÅÎ×ÊÍÖÈÔ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÉÍÐØÛÈÈÔ×ØÅ×ÐÐÓÎÕÍÖÈÔ× ÍÅÎ×ÊÍÊÍÎÈÔ×Ø×ÛÈÔÍÖÛÎÃÍÅÎ×ÊÍÎÚ×ÔÛÐÖÍÖÈÔ×ÉÇÊÆÓÆÓÎÕÉÌÍÇÉ×ÓÖ ÛÎÃÛÎÃØ×ÆÓÉ××ÍÊÔ×ÓÊÍÊÈÔ×Ì×ÊÉÍÎÛÐÊ×ÌÊ×É×ÎÈÛÈÓÆ×ÍÖÈÔ××ÉÈÛÈ×ÍÖÈÔ× Ø×Ù×ÛÉ×ØÓÖÍÎ×ÔÛÉÚ××ÎÛÌÌÍÓÎÈ×Ø Úì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÐÓËÇÓØÛÈÍÊÏ×ÛÎÉÛÌ×ÊÉÍÎÅÔÍÓÉÊ×ÈÛÓÎ×ØÈÍ ÙÍÎØÇÙÈÛÉÛÐ×ÓÎÛÌ×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÐÓËÇÓØÛÈÓÍÎÈÊÛÎÉÛÙÈÓÍÎ éÛÐ×ÉÍÖÖÍÍØØÊÓÎÑÛÎØÙÍÎØÓÏ×ÎÈÖÍÊÙÍÎÉÇÏÌÈÓÍÎÅÓÈÔÓÎÈÔ× ÌÊ×ÏÓÉ×ÉÍÖÛÎÃÌÊÓÉÍÎÒÛÓÐÍÊÍÈÔ×ÊÓÎÉÈÓÈÇÈÓÍÎÇÎØ×ÊÈÔ×ÒÇÊÓÉØÓÙÈÓÍÎÍÖ ÈÔ×ÉÈÛÈ×Ø×ÌÛÊÈÏ×ÎÈÍÖÙÍÊÊ×ÙÈÓÍÎÉÈÔ×Ø×ÌÛÊÈÏ×ÎÈÍÖÌÇÚÐÓÙÉÛÖ×ÈÃÈÔ× Ø×ÌÛÊÈÏ×ÎÈÍÖÒÇÆ×ÎÓÐ×ÙÍÊÊ×ÙÈÓÍÎÉÍÊÛÙÍÇÎÈÃÉÔ×ÊÓÖÖ ûÏÍÈÍÊÆ×ÔÓÙÐ×ÛÎØÛÎÃÊ×ÌÛÓÊÛÎØÊ×ÌÐÛÙ×Ï×ÎÈÌÛÊÈÉÛÎØ ÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÚ×ÙÍÏÓÎÕÛÌÛÊÈÍÖÉÇÙÔÏÍÈÍÊÆ×ÔÓÙÐ×ÉÍÐØÈÍÛ ÏÍÈÍÊÙÛÊÊÓ×ÊÅÔÍÓÉÉÇÚÒ×ÙÈÈÍÛÖ××ÌÊ×ÉÙÊÓÚ×ØÓÎÈÓÈÐ× ÙÔÛÌÈ×Ê Study Session - March 13, 2013 - Page 68 of 125 ôú ÛÊÈÓÙÐ×ÛÎØÅÔÍÓÉ×ÎÕÛÕ×ØÓÎÈÔ×ÚÇÉÓÎ×ÉÉÍÖÐ×ÛÉÓÎÕÍÊÊ×ÎÈÓÎÕÉÇÙÔ ÌÊÍÌ×ÊÈÃ ðÓÆ×ÉÈÍÙÑÛÎØÌÍÇÐÈÊÃÖ××ØÉÛÐÈÉÆÓÈÛÏÓÎÉÛÎØÍÈÔ×Ê ÛØØÓÈÓÆ×ÉÖÍÊÐÓÆ×ÉÈÍÙÑÍÊÌÍÇÐÈÊÃÙÍÎÉÇÏÌÈÓÍÎÈÔÛÈÛÊ×ÉÍÐØÈÍÌ×ÊÉÍÎÉÅÔÍ ÛÊ××ÎÕÛÕ×ØÓÎÌÊÍØÇÙÓÎÕÐÓÆ×ÉÈÍÙÑÌÍÇÐÈÊÃÍÊÐÓÆ×ÉÈÍÙÑÍÊÌÍÇÐÈÊÃÌÊÍØÇÙÈÉ ÍÊÅÔÍÛÊ××ÎÕÛÕ×ØÓÎÖ××ØÓÎÕÐÓÆ×ÉÈÍÙÑÍÊÌÍÇÐÈÊÃÙÍÏÏ×ÊÙÓÛÐÐÃöÍÊÈÔ× ÌÇÊÌÍÉ×ÉÍÖÈÔÓÉÌÛÊÛÕÊÛÌÔÌÍÇÐÈÊÃÓÎÙÐÇØ×ÉÊÛÈÓÈ×É éÛÐ×ÉÍÖÓÏÌÐÛÎÈÉÇÉ×ØÛÉÕÊÍÅÈÔÌÊÍÏÍÈÛÎÈÉÛÎØÓÎÒ×ÙÈÛÚÐ× Ï×ØÓÙÓÎ×ÉÎÍÈÛÐÊ×ÛØÃ×Ä×ÏÌÈÇÎØ×ÊÌÛÊÛÕÊÛÌÔÍÖÈÔÓÉÉÇÚÉ×ÙÈÓÍÎÖÍÊ ÐÓÆ×ÉÈÍÙÑÍÊÌÍÇÐÈÊÃÍÅÎ×ØÚÃÍÊÓÎÌÍÉÉ×ÉÉÓÍÎÍÖÌ×ÊÉÍÎÉÅÔÍÛÊ××ÎÕÛÕ×ØÓÎ ÌÊÍØÇÙÓÎÕÐÓÆ×ÉÈÍÙÑÌÍÇÐÈÊÃÍÊÐÓÆ×ÉÈÍÙÑÍÊÌÍÇÐÈÊÃÌÊÍØÇÙÈÉÍÊÅÔÍÛÊ× ×ÎÕÛÕ×ØÓÎÖ××ØÓÎÕÐÓÆ×ÉÈÍÙÑÍÊÌÍÇÐÈÊÃÙÍÏÏ×ÊÙÓÛÐÐÃöÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖ ÈÔÓÉÌÛÊÛÕÊÛÌÔÌÍÇÐÈÊÃÓÎÙÐÇØ×ÉÊÛÈÓÈ×É éÛÐ×ÉÍÖÏÍÈÍÊÆ×ÔÓÙÐ×ÉÛÈÛÇÙÈÓÍÎÈÍÎÍÎÊ×ÉÓØ×ÎÈÉÍÖÈÔÓÉ ÉÈÛÈ×ÖÍÊÇÉ×ÍÇÈÉÓØ×ÈÔÓÉÉÈÛÈ×ÓÖÈÔ×Æ×ÔÓÙÐ×ÉÛÊ×ÉÔÓÌÌ×ØÍÊØ×ÐÓÆ×Ê×ØÍÇÈ ÍÖÈÔÓÉÉÈÛÈ×Ê×ÕÛÊØÐ×ÉÉÍÖÅÔ×Ê×ÈÓÈÐ×ÈÍÈÔ×ÏÍÈÍÊÆ×ÔÓÙÐ×ÉÌÛÉÉ×ÉÍÊÓÈÉ ÖÊ××ÍÎÚÍÛÊØÌÍÓÎÈ èÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÉÍÐØÈÍÛÌ×ÊÉÍÎ×ÎÕÛÕ×ØÓÎ ÚÇÉÓÎ×ÉÉÛÎØÉÇÚÒ×ÙÈÈÍÈÛÄÇÎØ×ÊÈÔ×ÈÊÛÎÉÓ×ÎÈÐÍØÕÓÎÕÙÐÛÉÉÓÖÓÙÛÈÓÍÎÓÖÈÔ× ÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÓÉÛÌ×ÊÉÍÎÛÐÔÃÕÓ×Î×ÓÈ×ÏÍÊÛÊÈÓÙÐ×ÉÇÉ×ØÚÃ ÔÇÏÛÎÚ×ÓÎÕÉÖÍÊÖÍÍØØÊÓÎÑÍÊÙÍÎØÓÏ×ÎÈ×ÄÙ×ÌÈÛÐÙÍÔÍÐÓÙÚ×Æ×ÊÛÕ×ÉÈÔÛÈ ÛÊ×ÖÇÊÎÓÉÔ×ØÅÓÈÔÍÇÈÛØØÓÈÓÍÎÛÐÙÔÛÊÕ×ÈÍÛÎØÓÎÈ×ÎØ×ØÈÍÚ×ÙÍÎÉÇÏ×ØÚÃÈÔ× ÈÊÛÎÉÓ×ÎÈØÇÊÓÎÕÈÔ×ÈÊÛÎÉÓ×ÎÈÉÍÙÙÇÌÛÎÙÃ éÛÐ×ÉÍÖÛÐÈ×ÊÎÛÈÓÆ×ÖÇ×ÐÛÉØ×ÖÓÎ×ØÓÎÉ×ÙÈÓÍÎ ÈÍÛ ÇÉ×ØÍÓÐÖÇ×ÐÚÇÊÎ×ÊÅÔÍÔÛÉÊ×Ù×ÓÆ×ØÛÌ×ÊÏÓÈÈÍÚÇÊÎÇÉ×ØÍÓÐÍÊÇÉ×ØÍÓÐ ÖÇ×ÐÇÎØ×ÊÉ×ÙÈÓÍÎ ÍÊ éÛÐ×ÉÍÖÏÛÈ×ÊÓÛÐÉÈÔÛÈÛÊ×ÌÇÊÙÔÛÉ×ØÚÃÍÊÖÍÊÌÇÚÐÓÙÐÃ ÖÇÎØ×ØÐÓÚÊÛÊÓ×ÉÓÎÙÐÇØÓÎÕÉÙÔÍÍÐØÓÉÈÊÓÙÈÐÓÚÊÛÊÓ×ÉÙÔÛÊÈ×ÊÉÙÔÍÍÐ ÐÓÚÊÛÊÓ×ÉÙÍÏÏÇÎÓÈÃÙÍÐÐ×Õ×ÐÓÚÊÛÊÓ×ÉÉÈÛÈ×ÇÎÓÆ×ÊÉÓÈÃÐÓÚÊÛÊÓ×ÉÍÊ Ö×Ø×ÊÛÐÉÈÛÈ×ÙÍÇÎÈÃÍÊÏÇÎÓÙÓÌÛÐÐÓÚÊÛÊÓ×ÉÖÍÊÇÉ×ÚÃÈÔ×ÌÇÚÐÓÙÛÉ ÖÍÐÐÍÅÉ ÛìÊÓÎÈ×ØÍÊÌÔÍÈÍÕÊÛÌÔÓÙÏÛÈ×ÊÓÛÐÉÚ×ÕÓÎÎÓÎÕûÇÕÇÉÈ Ú÷Ð×ÙÈÊÍÎÓÙÍÊØÓÕÓÈÛÐÏ×ØÓÛÏÛÈ×ÊÓÛÐÉÚ×ÕÓÎÎÓÎÕòÇÐÃ èÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÉÍÐØÈÍÛÙÍÏÏ×ÊÙÓÛÐÛÓÊÐÓÎ×ÛÎØ ÙÍÎÉÓÉÈÓÎÕÍÖÖÍÍØÚ×Æ×ÊÛÕ×ÉÛÎØÙÍÎØÓÏ×ÎÈÉÛÎØÛÙÙ×ÉÉÍÊÓ×ÉÇÉ×ØÖÍÊÉ×ÊÆÓÎÕ ÈÔ×ÖÍÍØÛÎØÚ×Æ×ÊÛÕ×ÉÓÖÈÔÍÉ×ÓÈ×ÏÉÛÊ×ÈÍÚ×ÌÊÍÆÓØ×ØÅÓÈÔÍÇÈÛØØÓÈÓÍÎÛÐ ÙÔÛÊÕ×ÈÍÌÛÉÉ×ÎÕ×ÊÉÖÍÊÙÍÎÉÇÏÌÈÓÍÎÓÎÖÐÓÕÔÈöÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÈÔÓÉ ÌÛÊÛÕÊÛÌÔÙÍÏÏ×ÊÙÓÛÐÛÓÊÐÓÎ×Ï×ÛÎÉÛÌ×ÊÉÍÎÔÍÐØÓÎÕÛÖ×Ø×ÊÛÐÙ×ÊÈÓÖÓÙÛÈ× ÍÖÌÇÚÐÓÙÙÍÎÆ×ÎÓ×ÎÙ×ÛÎØÎ×Ù×ÉÉÓÈÃÍÊÖÍÊ×ÓÕÎÛÓÊÙÛÊÊÓ×ÊÌ×ÊÏÓÈÖÍÊÛÓÊ ÈÊÛÎÉÌÍÊÈÛÈÓÍÎÈÍÈÊÛÎÉÌÍÊÈÌ×ÊÉÍÎÉÌÊÍÌ×ÊÈÃÍÊçÎÓÈ×ØéÈÛÈ×ÉÏÛÓÐÓÎ ÓÎÈÊÛÉÈÛÈ×ÓÎÈ×ÊÉÈÛÈ×ÍÊÖÍÊ×ÓÕÎÙÍÏÏ×ÊÙ× éÛÐ×ÉÍÖÛÐÈ×ÊÎÛÈÓÆ×ÖÇ×ÐÆ×ÔÓÙÐ×ÉÓÖÈÔ×Æ×ÔÓÙÐ×ÅÛÉ ÏÛÎÇÖÛÙÈÇÊ×ØÛÉÛØÓ×É×ÐÖÇ×ÐÆ×ÔÓÙÐ×ÛÎØÙÍÎÆ×ÊÈ×ØÈÍÍÌ×ÊÛÈ×ÍÎÛÐÈ×ÊÎÛÈÓÆ× ÖÇ×ÐÛÎØ×ËÇÓÌÏ×ÎÈÈÔÛÈÓÉÓÎÉÈÛÐÐ×ØÓÎÛÙÍÎÆ×ÎÈÓÍÎÛÐØÓ×É×ÐÖÇ×ÐÏÍÈÍÊ Study Session - March 13, 2013 - Page 69 of 125 ôú Æ×ÔÓÙÐ×ÈÍÙÍÎÆ×ÊÈÈÔ×Æ×ÔÓÙÐ×ÈÍÍÌ×ÊÛÈ×ÍÎÛÎÛÐÈ×ÊÎÛÈÓÆ×ÖÇ×ÐÛÉØ×ÖÓÎ×Ø ÓÎÉ×ÙÈÓÍÎ éÛÐ×ÉÍÖÛÎÃÉÌÓÊÓÈÇÍÇÉÆÓÎÍÇÉÍÊÏÛÐÈÐÓËÇÍÊÚÃÛÌ×ÊÉÍÎ ÈÔÛÈÓÉÐÓÙ×ÎÉ×ØÓÎÈÔÓÉÉÈÛÈ×ÛÉÛÅÔÍÐ×ÉÛÐ×ÊÚÃÈÔ×Ø×ÌÛÊÈÏ×ÎÈÍÖÐÓËÇÍÊ ÐÓÙ×ÎÉ×ÉÛÎØÙÍÎÈÊÍÐÌÇÊÉÇÛÎÈÈÍÈÓÈÐ×ÙÔÛÌÈ×Ê ÛÊÈÓÙÐ× éÛÐ×ÉÍÖÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÈÍÚ×ÓÎÙÍÊÌÍÊÛÈ×ØÍÊÓÎÉÈÛÐÐ×Ø ÛÉÌÛÊÈÍÖ×ÎÆÓÊÍÎÏ×ÎÈÛÐÊ×ÉÌÍÎÉ×ÍÊÊ×Ï×ØÓÛÈÓÍÎÛÙÈÓÆÓÈÓ×ÉÇÎØ×ÊÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎúÌÛÊÛÕÊÛÌÔ éÛÐ×ÉÍÖÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÚÃÛÎÍÎÌÊÍÖÓÈ ÍÊÕÛÎÓÂÛÈÓÍÎÈÔÛÈÓÉ×Ä×ÏÌÈÖÊÍÏÈÛÄÛÈÓÍÎÇÎØ×ÊÉ×ÙÈÓÍÎ ÙÍÖÈÔ× ÓÎÈ×ÊÎÛÐÊ×Æ×ÎÇ×ÙÍØ×ÓÖÈÔ×ÍÊÕÛÎÓÂÛÈÓÍÎÌÊÍØÇÙ×ÉÍÊÕÛÎÓÂ×ÉÍÊÌÊÍÏÍÈ×É ÙÇÐÈÇÊÛÐÍÊÙÓÆÓÙÊ×ÐÛÈ×ØÖ×ÉÈÓÆÛÐÉÍÊ×Æ×ÎÈÉÛÎØÎÍÌÛÊÈÍÖÈÔ× ÍÊÕÛÎÓÂÛÈÓÍÎÉÎ×È×ÛÊÎÓÎÕÉÓÎÇÊ×ÉÈÍÈÔ×Ú×Î×ÖÓÈÍÖÛÎÃÌÊÓÆÛÈ×ÉÔÛÊ×ÔÍÐØ×Ê ÍÊÓÎØÓÆÓØÇÛÐ èÔÊÍÇÕÔûÇÕÇÉÈ ÉÛÐ×ÉÍÖûÊÓÂÍÎÛÙ×ÎÈ×ÎÎÓÛÐ Ï×ØÛÐÐÓÍÎÉÚÃÈÔ×ÔÓÉÈÍÊÓÙÛÐÛØÆÓÉÍÊÃÙÍÏÏÓÉÉÓÍÎ ûÌÌÐÓÙÛÈÓÍÎÉ×ÊÆÓÙ×ÉÈÔÛÈÛÊ×Ø×ÉÓÕÎ×ØÈÍÛÉÉ×ÉÉÍÊÈ×ÉÈ ÉÈÇØ×ÎÈÐ×ÛÊÎÓÎÕÍÊÈÍÌÊÍÏÍÈ×ÙÇÊÊÓÙÇÐÇÏØ×ÉÓÕÎÍÊ×ÎÔÛÎÙ×Ï×ÎÈÌÇÊÙÔÛÉ×ØÚÃ ÍÊÖÍÊÛÎÃÉÙÔÍÍÐØÓÉÈÊÓÙÈÙÔÛÊÈ×ÊÉÙÔÍÍÐÙÍÏÏÇÎÓÈÃÙÍÐÐ×Õ×ÍÊÉÈÛÈ× ÇÎÓÆ×ÊÉÓÈÃöÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÈÔÓÉÌÛÊÛÕÊÛÌÔ ÛûÌÌÐÓÙÛÈÓÍÎÉ×ÊÆÓÙ×ÉÏ×ÛÎÉÉÍÖÈÅÛÊ×ÛÌÌÐÓÙÛÈÓÍÎÉÌÊÍÆÓØ×Ø Ê×ÏÍÈ×ÐÃÇÉÓÎÕÔÃÌ×ÊÈ×ÄÈÈÊÛÎÉÖ×ÊÌÊÍÈÍÙÍÐÍÊÛÎÍÈÔ×ÊÎ×ÈÅÍÊÑÌÊÍÈÍÙÍÐ ÚùÇÊÊÓÙÇÐÇÏØ×ÉÓÕÎÍÊ×ÎÔÛÎÙ×Ï×ÎÈÏ×ÛÎÉÌÐÛÎÎÓÎÕÓÏÌÐ×Ï×ÎÈÓÎÕÍÊ Ê×ÌÍÊÈÓÎÕÍÎÙÍÇÊÉ×ÉÍÖÉÈÇØÃÐ×ÉÉÍÎÉÛÉÉÓÕÎÏ×ÎÈÉÍÊÍÈÔ×ÊÐ×ÛÊÎÓÎÕ ÛÙÈÓÆÓÈÓ×É éÛÐ×ÉÍÖÏÍÈÍÊÆ×ÔÓÙÐ×ÖÇ×ÐÛÎØÇÉ×ÖÇ×ÐÈÍÛËÇÛÐÓÖÓ×Ø ÚÇÉÓÎ×ÉÉÇÎØ×ÊÉ×ÙÈÓÍÎÖÍÊÍÖÖÊÍÛØÇÉ×ÓÎÔÛÊÆ×ÉÈÓÎÕÌÊÍÙ×ÉÉÓÎÕÍÊ ÈÊÛÎÉÌÍÊÈÓÎÕËÇÛÐÓÖÃÓÎÕÖÍÊ×ÉÈÌÊÍØÇÙÈÉÊ×ÏÍÆ×ØÖÊÍÏËÇÛÐÓÖÃÓÎÕÌÊÍÒ×ÙÈÉÛÉ Ø×ÖÓÎ×ØÓÎÉ×ÙÈÓÍÎ éÛÐ×ÉÍÖÊ×ÌÛÓÊÌÛÊÈÉÓÎÉÈÛÐÐ×ØÓÎ×ËÇÓÌÏ×ÎÈÇÉ×ØØÓÊ×ÙÈÐÃÚÃ ÛËÇÛÐÓÖÓ×ØÚÇÉÓÎ×ÉÉÇÎØ×ÊÉ×ÙÈÓÍÎÓÎÔÛÊÆ×ÉÈÓÎÕÌÊÍÙ×ÉÉÓÎÕÍÊ ÈÊÛÎÉÌÍÊÈÓÎÕËÇÛÐÓÖÃÓÎÕÖÍÊ×ÉÈÌÊÍØÇÙÈÉÊ×ÏÍÆ×ØÖÊÍÏËÇÛÐÓÖÃÓÎÕÌÊÍÒ×ÙÈÉÛÉ Ø×ÖÓÎ×ØÓÎÉ×ÙÈÓÍÎ éÛÐ×ÉÍÊÍÈÔ×ÊÈÊÛÎÉÖ×ÊÉÍÖÊ×Î×ÅÛÚÐ××Î×ÊÕÃÙÊ×ØÓÈÉÍÊÛÎÃ ÍÈÔ×ÊÇÎÓÈÙÊ×ÛÈ×ØÈÍÈÊÛÙÑ×Î×ÊÕÃØ×ÊÓÆ×ØÖÊÍÏÊ×Î×ÅÛÚÐ××Î×ÊÕÃÊ×ÉÍÇÊÙ×É öÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÈÔÓÉÌÛÊÛÕÊÛÌÔÊ×Î×ÅÛÚÐ××Î×ÊÕÃÙÊ×ØÓÈÏ×ÛÎÉÛÇÎÓÈ ÙÊ×ÛÈ×ØÛØÏÓÎÓÉÈÊÛÈÓÆ×ÐÃÚÃÈÔ×ÙÍÊÌÍÊÛÈÓÍÎÙÍÏÏÓÉÉÓÍÎÍÊÕÍÆ×ÊÎÓÎÕÚÍØÃÍÖÛ ÌÇÚÐÓÙÌÍÅ×ÊÇÈÓÐÓÈÃÈÍÈÊÛÙÑÑÓÐÍÅÛÈÈÔÍÇÊÉÍÖ×Ð×ÙÈÊÓÙÓÈÃØ×ÊÓÆ×ØÖÊÍÏÛ Ê×Î×ÅÛÚÐ××Î×ÊÕÃÊ×ÉÍÇÊÙ×ÍÊÈÔ×ÑÓÐÍÅÛÈÈÔÍÇÊ×ËÇÓÆÛÐ×ÎÈÍÖÙÍÎÆ×ÎÈÓÍÎÛÐ ×Î×ÊÕÃÊ×ÉÍÇÊÙ×ÉØÓÉÌÐÛÙ×ØÚÃØÓÉÈÊÓÚÇÈ×ØÊ×Î×ÅÛÚÐ××Î×ÊÕÃÊ×ÉÍÇÊÙ×É úóÎÛØØÓÈÓÍÎÈÍÈÔ×Ø×ØÇÙÈÓÍÎÉÖÊÍÏÈÔ×ÈÛÄÚÛÉ×ÌÊ×ÉÙÊÓÚ×ØÚÃ ÉÇÚÉ×ÙÈÓÍÎûÍÖÈÔÓÉÉ×ÙÈÓÍÎÈÔ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ× Ø×ÊÓÆ×ØÖÊÍÏÉÛÐ×ÉÍÖÈÔ×ÖÍÐÐÍÅÓÎÕÙÛÈ×ÕÍÊÓ×ÉÍÖÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃ ÉÔÛÐÐÚ×Ø×ØÇÙÈ×ØÖÊÍÏÈÔ×ÈÛÄÚÛÉ× Study Session - March 13, 2013 - Page 70 of 125 ôú ïÛÙÔÓÎ×ÊÃÍÊ×ËÇÓÌÏ×ÎÈÇÉ×ØØÓÊ×ÙÈÐÃÓÎÏÛÎÇÖÛÙÈÇÊÓÎÕ ÌÊÍÙ×ÉÉÓÎÕÖÛÚÊÓÙÛÈÓÎÕÒÍÚÌÊÓÎÈÓÎÕÊ×ÖÓÎÓÎÕÍÊÏ×ÈÛÐÐÇÊÕÓÙÛÐÍÌ×ÊÛÈÓÍÎÉ èÔ×È×ÊÏÉÏÛÎÇÖÛÙÈÇÊÓÎÕÌÊÍÙ×ÉÉÓÎÕÖÛÚÊÓÙÛÈÓÎÕÒÍÚÌÊÓÎÈÓÎÕ Ê×ÖÓÎÓÎÕÛÎØÏ×ÈÛÐÐÇÊÕÓÙÛÐÛÉÇÉ×ØÓÎÈÔÓÉÌÛÊÛÕÊÛÌÔÊ×Ö×ÊÈÍÛÎØÓÎÙÐÇØ× ÈÔÍÉ×ÍÌ×ÊÛÈÓÍÎÉÙÍÏÏÍÎÐÃÇÎØ×ÊÉÈÍÍØÅÓÈÔÓÎÈÔ×ÓÊÍÊØÓÎÛÊÃÏ×ÛÎÓÎÕ ï×ÈÛÐÐÇÊÕÓÙÛÐÍÌ×ÊÛÈÓÍÎÉÓÎÙÐÇØ×ÉÐ×ÛÙÔÓÎÕÏÓÐÐÓÎÕÌÊ×ÙÓÌÓÈÛÈÓÎÕ ÉÏ×ÐÈÓÎÕÛÎØÊ×ÖÓÎÓÎÕïûîçöûùèçêóîõûîøìêíù÷ééóîõøíîíèóîùðçø÷÷îõûõóîõ óîúçéóî÷ééûéûùíîèêûùèíê ïÓÎÓÎÕÏÛÙÔÓÎ×ÊÃÍÊ×ËÇÓÌÏ×ÎÈÇÉ×ØØÓÊ×ÙÈÐÃÓÎÈÔ×ÌÊÍÙ×ÉÉÍÖ ×ÄÈÊÛÙÈÓÎÕÍÊ×ÉÍÊÏÓÎ×ÊÛÐÉÖÊÍÏÈÔ××ÛÊÈÔÖÍÊÙÍÏÏ×ÊÙÓÛÐÌÇÊÌÍÉ×ÉÓÎÙÐÇØÓÎÕ ×ËÇÓÌÏ×ÎÈÊ×ËÇÓÊ×ØÈÍÌÊ×ÌÛÊ×ÈÔ×ÏÛÈ×ÊÓÛÐÉÖÍÊ×ÄÈÊÛÙÈÓÍÎÛÎØÔÛÎØÐÓÎÕ ÐÍÛØÓÎÕÍÊÈÊÛÎÉÌÍÊÈÓÎÕÉÇÙÔ×ÄÈÊÛÙÈ×ØÏÛÈ×ÊÓÛÐÈÍÈÔ×ÉÇÊÖÛÙ×ïÓÎÓÎÕ ÓÎÙÐÇØ×ÉÇÎØ×ÊÕÊÍÇÎØÉÇÊÖÛÙ×ÛÎØÍÌ×ÎÌÓÈÍÌ×ÊÛÈÓÍÎÉÖÍÊ×ÄÈÊÛÙÈÓÎÕÍÊ×ÉÛÎØ ÏÓÎ×ÊÛÐÉ èÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÉÍÐØÈÍÌ×ÊÉÍÎÉ×ÎÕÛÕ×ØÓÎÚÇÉÓÎ×ÉÉ ÙÐÛÉÉÓÖÓ×ØÇÎØ×ÊÈÔ×È×Ð×ÙÍÏÏÇÎÓÙÛÈÓÍÎÉÙÐÛÉÉÓÖÓÙÛÈÓÍÎÛÎØÙÍÎÉÓÉÈÓÎÕÍÖ Ù×ÎÈÊÛÐÍÖÖÓÙ×ÉÅÓÈÙÔÓÎÕ×ËÇÓÌÏ×ÎÈÉÅÓÈÙÔÚÍÛÊØÉÌÊÓÆÛÈ×ÚÊÛÎÙÔ×ÄÙÔÛÎÕ× ×ËÇÓÌÏ×ÎÈÏÓÙÊÍÅÛÆ×ÊÛØÓÍ×ËÇÓÌÏ×ÎÈÛÎØÙÛÊÊÓ×Ê×ËÇÓÌÏ×ÎÈÓÎÙÐÇØÓÎÕÍÌÈÓÙÛÐ ÖÓÚ×ÊÙÍÛÄÓÛÐÙÛÚÐ×ÛÎØÍÈÔ×ÊÈÊÛÎÉÏÓÉÉÓÍÎÏ×ØÓÛÅÔÓÙÔ èôûèÛÊ×ÙÍÏÌÍÎ×ÎÈÉ ÍÖÙÛÊÊÓ×ÊÉÃÉÈ×ÏÉ ïÛÙÔÓÎ×ÊÃ×ËÇÓÌÏ×ÎÈÍÊÈÊÛÎÉÏÓÉÉÓÍÎÐÓÎ×ÉÇÉ×ØØÓÊ×ÙÈÐÃÓÎ ÌÊÍØÇÙÓÎÕÍÊÈÊÛÎÉÏÓÈÈÓÎÕ×Ð×ÙÈÊÓÙÛÐÌÍÅ×ÊÚÇÈÎÍÈÓÎÙÐÇØÓÎÕØÓÉÈÊÓÚÇÈÓÍÎ èÊÛÎÉÖÍÊÏ×ÊÉÛÎØÙÍÎÈÊÍÐ×ËÇÓÌÏ×ÎÈÇÉ×ØÛÈÈÊÛÎÉÏÓÉÉÓÍÎÉÇÚÉÈÛÈÓÍÎÉÓÈ×É ÙÍÎÉÈÓÈÇÈ××ËÇÓÌÏ×ÎÈÇÉ×ØÓÎÌÊÍØÇÙÓÎÕÍÊÈÊÛÎÉÏÓÈÈÓÎÕ×Ð×ÙÈÊÓÙÛÐÌÍÅ×Ê î×ÛÈÛÎÓÏÛÐÉÔÍÊÉ×ÉÛÉÉ×ÉÉÔ××ÌÊÛÈÓÈ×ÉÉÅÓÎ×ÍÊÕÍÛÈÉÇÉ×ØÍÊ ÈÍÚ×ÇÉ×ØÛÉÚÊ××ØÓÎÕÍÊÌÊÍØÇÙÈÓÍÎÉÈÍÙÑÓÎÙÐÇØÓÎÕÉÛÐ×ÉÍÖÚÊ××ØÓÎÕÉÍÊ ÍÅÎ×ÊÉÔÓÌÉÔÛÊ×ÉÓÎÉÇÙÔÛÎÓÏÛÐÉÇÉ×ØÖÍÊÚÊ××ØÓÎÕÍÊÌÊÍØÇÙÈÓÍÎ ìÓÌ×ÉÍÊÆÛÐÆ×ÉÖÍÇÊÓÎÙÔ×ÉÓÎØÓÛÏ×È×ÊÍÊÐÛÊÕ×ÊÇÉ×ØÈÍÈÊÛÎÉÌÍÊÈ ÍÓÐÎÛÈÇÊÛÐÕÛÉÛÊÈÓÖÓÙÓÛÐÕÛÉÅÛÈ×ÊÍÊÙÍÛÐÉÐÇÊÊÃÓÎÙÐÇØÓÎÕÙÍÏÌÊ×ÉÉÍÊ ÇÎÓÈÉÊ×ÕÇÐÛÈÍÊÉÏÛÙÔÓÎ×ÊÃÛÎØ×ËÇÓÌÏ×ÎÈÖÓÈÈÓÎÕÉÉ×ÛÐÉÛÎØÛÎÃÍÈÔ×Ê ÌÛÊÈÈÔÛÈÓÉÇÉ×ØÓÎÍÌ×ÊÛÈÓÎÕÈÔ×ÌÓÌ×ÉÍÊÆÛÐÆ×É ûÓÊÙÊÛÖÈÎÛÆÓÕÛÈÓÍÎÛÐÛÎØÙÍÏÏÇÎÓÙÛÈÓÍÎÓÎÉÈÊÇÏ×ÎÈÉÛÎØÍÈÔ×Ê ÛÙÙ×ÉÉÍÊÓ×ÉÛÎØÊ×ÐÛÈ×Ø×ËÇÓÌÏ×ÎÈÉÍÐØÈÍ ÛûÌ×ÊÉÍÎÔÍÐØÓÎÕÛÖ×Ø×ÊÛÐÙ×ÊÈÓÖÓÙÛÈ×ÍÖÌÇÚÐÓÙÙÍÎÆ×ÎÓ×ÎÙ×ÛÎØ Î×Ù×ÉÉÓÈÃÛÉÇÌÌÐ×Ï×ÎÈÛÐÛÓÊÙÛÊÊÓ×ÊÙ×ÊÈÓÖÓÙÛÈ×ÇÎØ×ÊÖ×Ø×ÊÛÐÛÆÓÛÈÓÍÎ Ê×ÕÇÐÛÈÓÍÎÉùÍØ×ÍÖö×Ø×ÊÛÐê×ÕÇÐÛÈÓÍÎÉÌÛÊÈ ÍÊÛÖÍÊ×ÓÕÎÛÓÊ ÙÛÊÊÓ×ÊÌ×ÊÏÓÈÖÍÊÛÓÊÈÊÛÎÉÌÍÊÈÛÈÓÍÎÖÍÊÇÉ×ÛÉÍÊÓÎÙÍÎÒÇÎÙÈÓÍÎÅÓÈÔÍÊ Ú×ÙÍÏÓÎÕÛÌÛÊÈÍÖÛÓÊÙÊÛÖÈÈÍÚ×ÇÉ×ØÈÍÈÊÛÎÉÌÍÊÈÌ×ÊÉÍÎÉÌÊÍÌ×ÊÈÃÍÊ çÎÓÈ×ØéÈÛÈ×ÉÏÛÓÐÓÎÓÎÈÊÛÉÈÛÈ×ÓÎÈ×ÊÉÈÛÈ×ÍÊÖÍÊ×ÓÕÎÙÍÏÏ×ÊÙ× ÚûÎÃÖÍÊ×ÓÕÎÕÍÆ×ÊÎÏ×ÎÈ Ùì×ÊÉÍÎÉÅÔÍÛÊ×ÎÍÈÊ×ÉÓØ×ÎÈÉÍÖÈÔÓÉÉÈÛÈ×ÛÎØÅÔÍÅÓÐÐÎÍÈÇÉ× ÉÇÙÔÌÊÍÌ×ÊÈÃÓÎÈÔÓÉÉÈÛÈ×ÍÈÔ×ÊÈÔÛÎÓÎÊ×ÏÍÆÓÎÕÉÇÙÔÌÊÍÌ×ÊÈÃÖÊÍÏÈÔÓÉ ÉÈÛÈ×èÔÓÉÉÇÚØÓÆÓÉÓÍÎÛÐÉÍÛÌÌÐÓ×ÉÈÍÙÍÊÌÍÊÛÈÓÍÎÉÈÔÛÈÛÊ×ÎÍÈ ÓÎÙÍÊÌÍÊÛÈ×ØÓÎÈÔÓÉÉÈÛÈ×Ê×ÕÛÊØÐ×ÉÉÍÖÏÛÓÎÈÛÓÎÓÎÕÛÌÐÛÙ×ÍÖÚÇÉÓÎ×ÉÉÓÎ ÈÔÓÉÉÈÛÈ×ÓÖÈÔ×ÌÊÓÎÙÓÌÛÐÙÍÊÌÍÊÛÈ×ÍÖÖÓÙ×ÓÉÐÍÙÛÈ×ØÍÇÈÉÓØ×ÈÔÓÉÉÈÛÈ× Study Session - March 13, 2013 - Page 71 of 125 ôú ÛÎØÈÔ×ÌÊÍÌ×ÊÈÃÅÓÐÐÎÍÈÚ×ÇÉ×ØÓÎÈÔÓÉÉÈÛÈ×ÍÈÔ×ÊÈÔÛÎÓÎÊ×ÏÍÆÓÎÕÈÔ× ÌÊÍÌ×ÊÈÃÖÊÍÏÈÔÓÉÉÈÛÈ× ïÛÙÔÓÎ×ÊÃÈÍÍÐÉ×ËÇÓÌÏ×ÎÈÛÎØÊ×ÐÛÈ×ØÉÇÌÌÐÓ×ÉÇÉ×ØÍÊÙÍÎÉÇÏ×Ø ØÓÊ×ÙÈÐÃÓÎÊ×ÌÛÓÊÓÎÕÊ×ÏÍØ×ÐÓÎÕÍÊÏÛÓÎÈÛÓÎÓÎÕÛÓÊÙÊÛÖÈÛÓÊÙÊÛÖÈ×ÎÕÓÎ×É ÍÊÛÓÊÙÊÛÖÈÙÍÏÌÍÎ×ÎÈÌÛÊÈÉÚÃÍÊÍÎÚ×ÔÛÐÖÍÖÛÙ×ÊÈÓÖÓÙÛÈ×ØÍÊÐÓÙ×ÎÉ×Ø ÙÛÊÊÓ×ÊÍÖÌ×ÊÉÍÎÉÍÊÌÊÍÌ×ÊÈÃ êÛÓÐÊÍÛØÊÍÐÐÓÎÕÉÈÍÙÑÊÛÓÐÉÈÓ×ÉÛÎØÉÓÕÎÛÐÙÍÎÈÊÍÐ×ËÇÓÌÏ×ÎÈ ÇÉ×ØØÓÊ×ÙÈÐÃÈÍÈÊÛÎÉÌÍÊÈÌ×ÊÉÍÎÉÍÊÌÊÍÌ×ÊÈÃ ïÛÙÔÓÎ×ÊÃÍÊ×ËÇÓÌÏ×ÎÈÇÉ×ØØÓÊ×ÙÈÐÃÈÍØÊÓÐÐÖÍÊÍÓÐÍÊÕÛÉÍÊ ÇÉ×ØØÓÊ×ÙÈÐÃÓÎÈÔ×ÌÊÍÙ×ÉÉÍÖ×ÄÈÊÛÙÈÓÎÕÍÓÐÍÊÕÛÉÖÊÍÏÈÔ××ÛÊÈÔÖÍÊ ÙÍÏÏ×ÊÙÓÛÐÌÇÊÌÍÉ×É úÇÉ×ÉÍÊÍÈÔ×ÊÇÊÚÛÎÏÛÉÉÈÊÛÎÉÓÈÆ×ÔÓÙÐ×ÉÅÔÓÙÔèôûèÛÊ×ÇÉ×Ø ØÓÊ×ÙÈÐÃÈÍÈÊÛÎÉÌÍÊÈÌ×ÊÉÍÎÉÍÊÌÊÍÌ×ÊÈÃÖÍÊÔÓÊ×ÍÊÌÇÊÉÇÛÎÈÈÍÛ ÕÍÆ×ÊÎÏ×ÎÈÛÐÐÃÛØÍÌÈ×ØÛÎØÙÍÎÈÊÍÐÐ×ØÇÊÚÛÎÏÛÉÉÈÊÛÎÉÌÍÊÈÛÈÓÍÎÌÊÍÕÊÛÏÛÎØ ÅÔÓÙÔèôûèÛÊ×ÉÍÐØÈÍÚÇÉÙÍÏÌÛÎÓ×ÉÔÍÐØÓÎÕÛÖ×Ø×ÊÛÐÙ×ÊÈÓÖÓÙÛÈ×ÍÖ ÙÍÎÆ×ÎÓ×ÎÙ×ÛÎØÎ×Ù×ÉÉÓÈÃÍÊÍÌ×ÊÛÈ×ØÚÃÛÎÃÙÓÈÃÈÍÅÎÍÊÍÈÔ×ÊÕÍÆ×ÊÎÏ×ÎÈÛÐ ×ÎÈÓÈÃÍÊÚÃÛÎÃÌ×ÊÉÍÎÙÍÎÈÊÛÙÈÓÎÕÅÓÈÔÉÇÙÔÕÍÆ×ÊÎÏ×ÎÈÛÐ×ÎÈÓÈÃÛÉÌÛÊÈÍÖ ÛÕÍÆ×ÊÎÏ×ÎÈÛÐÐÃÛØÍÌÈ×ØÛÎØÙÍÎÈÊÍÐÐ×ØÌÊÍÕÊÛÏÈÍÌÊÍÆÓØ×ÇÊÚÛÎÏÛÉÉ ÈÊÛÎÉÌÍÊÈÛÈÓÍÎ õÊÍÇÎØÅÛÈ×ÊÏ×ÛÉÇÊÓÎÕØ×ÆÓÙ×ÉÊ×ËÇÓÊ×ØÇÎØ×ÊÉ×ÙÈÓÍÎ î×ÅÏÛÙÔÓÎ×ÊÃÛÎØ×ËÇÓÌÏ×ÎÈÙÍÎÉÓÉÈÓÎÕÍÖÈÊÛÙÈÍÊÉÈÊÛÙÈÍÊØÊÛÅÎ ÓÏÌÐ×Ï×ÎÈÉÉ×ÐÖÌÍÅ×Ê×ØÓÏÌÐ×Ï×ÎÈÉÏÛÙÔÓÎ×ÊÃÛÎØ×ËÇÓÌÏ×ÎÈÎ×Ù×ÉÉÛÊÃÖÍÊ ×ÄÈÊÛÙÈÓÎÕÏÓÐÑÛÎØÏÛÙÔÓÎ×ÊÃÛÎØ×ËÇÓÌÏ×ÎÈÎ×Ù×ÉÉÛÊÃÖÍÊÙÍÍÐÓÎÕÏÓÐÑÛÎØ ÐÓÆ×ÉÈÍÙÑÛÎØØÊÓÌÓÊÊÓÕÛÈÓÍÎÐÓÎ×ÉÎÍÈÛÐÊ×ÛØÃ×Ä×ÏÌÈÇÎØ×ÊÌÛÊÛÕÊÛÌÔÍÖ ÈÔÓÉÉÇÚÉ×ÙÈÓÍÎÛÎØÈÔÛÈÛÊ×ÇÉ×ØÖÍÊÙÍÏÏ×ÊÙÓÛÐÌÊÍØÇÙÈÓÍÎÍÖÛÕÊÓÙÇÐÈÇÊÛÐ ÔÍÊÈÓÙÇÐÈÇÊÛÐÆÓÈÓÙÇÐÈÇÊÛÐÛÎØÖÐÍÊÓÙÇÐÈÇÊÛÐÙÊÍÌÉÛÎØÌÊÍØÇÙÈÉÓÎÈÔÓÉ ÉÈÛÈ×öÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÈÔÓÉÌÛÊÛÕÊÛÌÔ Ûî×ÅÏÛÙÔÓÎ×ÊÃÛÎØ×ËÇÓÌÏ×ÎÈÏ×ÛÎÉÏÛÙÔÓÎ×ÊÃÛÎØ×ËÇÓÌÏ×ÎÈÈÔÛÈ ÔÛÆ×Î×Æ×ÊÚ××ÎÉÍÐØÛÈÊ×ÈÛÓÐ×ÄÙ×ÌÈÌÇÊÉÇÛÎÈÈÍÐ×ÛÉ×ÉÍÊÊ×ÎÈÛÐÉÅÔÓÙÔ èôûèØÍÎÍÈÈÍÈÛÐÈÅÍÃ×ÛÊÉÍÊÏÍÊ× Úé×ÐÖÌÍÅ×Ê×ØÓÏÌÐ×Ï×ÎÈÉÓÎÙÐÇØ×ÉÏÛÙÔÓÎ×ÊÃÛÎØ×ËÇÓÌÏ×ÎÈÈÔÛÈ ÛÊ××Ð×ÙÈÊÓÙÌÍÅ×Ê×Ø ïÛÙÔÓÎ×ÊÃÍÊ×ËÇÓÌÏ×ÎÈÇÉ×ØÓÎÊ×É×ÛÊÙÔÛÎØØ×Æ×ÐÍÌÏ×ÎÈöÍÊÈÔ× ÌÇÊÌÍÉ×ÉÍÖÈÔÓÉÌÛÊÛÕÊÛÌÔÊ×É×ÛÊÙÔÛÎØØ×Æ×ÐÍÌÏ×ÎÈÏ×ÛÎÉÚÛÉÓÙÛÎØ ÛÌÌÐÓ×ØÊ×É×ÛÊÙÔÓÎÈÔ×ÉÙÓ×ÎÙ×ÉÛÎØ×ÎÕÓÎ××ÊÓÎÕÛÎØØ×ÉÓÕÎÓÎÕØ×Æ×ÐÍÌÓÎÕ ÍÊÈ×ÉÈÓÎÕÌÊÍÈÍÈÃÌ×ÉÌÊÍÙ×ÉÉ×ÉÍÊÎ×ÅÌÊÍØÇÙÈÉÓÎÙÐÇØÓÎÕÊ×É×ÛÊÙÔÛÎØ Ø×Æ×ÐÍÌÏ×ÎÈÍÖÙÍÏÌÇÈ×ÊÉÍÖÈÅÛÊ×ÈÔÛÈÓÉ×ÏÚ×ØØ×ØÓÎÍÊÛÎÓÎÈ×ÕÊÛÐÌÛÊÈÍÖ ÈÔ×ÌÊÍÈÍÈÃÌ×ÍÊÎ×ÅÌÊÍØÇÙÈÍÊÈÔÛÈÓÉÊ×ËÇÓÊ×ØÖÍÊÏÛÙÔÓÎ×ÊÃÍÊ×ËÇÓÌÏ×ÎÈ ÍÈÔ×ÊÅÓÉ××Ä×ÏÌÈÇÎØ×ÊÈÔÓÉÉ×ÙÈÓÍÎÈÍÖÇÎÙÈÓÍÎ×ÖÖ×ÙÈÓÆ×ÐÃê×É×ÛÊÙÔÛÎØ Ø×Æ×ÐÍÌÏ×ÎÈØÍÎÍÈÓÎÙÐÇØ×ÏÛÎÇÖÛÙÈÇÊÓÎÕËÇÛÐÓÈÃÙÍÎÈÊÍÐÊÍÇÈÓÎ×ÙÍÎÉÇÏ×Ê ÌÊÍØÇÙÈÈ×ÉÈÓÎÕÏÛÊÑ×ÈÊ×É×ÛÊÙÔÉÛÐ×ÉÌÊÍÏÍÈÓÍÎÉÛÐ×ÉÉ×ÊÆÓÙ×Ê×É×ÛÊÙÔÓÎ ÉÍÙÓÛÐÉÙÓ×ÎÙ×ÉÍÊÌÉÃÙÔÍÐÍÕÃÙÍÏÌÇÈ×ÊÉÍÖÈÅÛÊ×Ê×É×ÛÊÙÔÈÔÛÈÓÉÎÍÈ ÓÎÙÐÇØ×ØÓÎÈÔ×Ø×ÖÓÎÓÈÓÍÎÍÖÊ×É×ÛÊÙÔÛÎØØ×Æ×ÐÍÌÏ×ÎÈÍÊÍÈÔ×Ê ÎÍÎÈ×ÙÔÎÍÐÍÕÓÙÛÐÛÙÈÓÆÓÈÓ×ÉÍÊÈ×ÙÔÎÓÙÛÐÉ×ÊÆÓÙ×É Study Session - March 13, 2013 - Page 72 of 125 ôú èÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÈÔÛÈÓÉÇÉ×ØÚÃ×ÓÈÔ×ÊÍÖÈÔ×ÖÍÐÐÍÅÓÎÕ ÈÍÊ×Ù×ÓÆ×ÉÈÍÊ×ÙÍÎÆ×ÊÈÌÊÍØÇÙ×Õ×Î×ÊÛÈ×Ø×ÙÍØ××ÎÙÍØ×ÙÍÎÈÊÍÐÍÊ ÈÊÛÎÉÏÓÈÈ×Ð×ÙÍÏÏÇÎÓÙÛÈÓÍÎÉÓÎÖÍÊÏÛÈÓÍÎ ÛûÎÃØÓÊ×ÙÈÚÊÍÛØÙÛÉÈÉÛÈ×ÐÐÓÈ×È×Ð×ÆÓÉÓÍÎÍÊØÛÈÛÈÊÛÎÉÏÓÉÉÓÍÎ É×ÊÆÓÙ×ÈÔÛÈÍÌ×ÊÛÈ×ÉÌÇÊÉÇÛÎÈÈÍùÍØ×ÍÖö×Ø×ÊÛÐê×ÕÇÐÛÈÓÍÎÉÌÛÊÈ ÚûÎÃÉÛÈ×ÐÐÓÈ×È×Ð×ÆÓÉÓÍÎÍÊØÛÈÛÈÊÛÎÉÏÓÉÉÓÍÎÖÛÙÓÐÓÈÃÓÖÚÍÈÔÍÖ ÈÔ×ÖÍÐÐÍÅÓÎÕÙÍÎØÓÈÓÍÎÉÛÊ×Ï×È ÓíÆ×ÊÈÅÍÈÔÓÊØÉÍÖÈÔ×ÈÊÛÎÉÏÓÉÉÓÍÎÉÏ×ÛÉÇÊ×ØÓÎÏ×ÕÛÚÃÈ×É ÈÊÛÎÉÏÓÈÈ×ØÚÃÈÔ×ÖÛÙÓÐÓÈÃØÇÊÓÎÕÈÔ×È×ÉÈÌ×ÊÓÍØÅ×Ê×ÈÊÛÎÉÏÓÈÈ×ØÈÍÍÊÍÎ Ú×ÔÛÐÖÍÖÍÎ×ÍÊÏÍÊ×ØÓÊ×ÙÈÚÊÍÛØÙÛÉÈÉÛÈ×ÐÐÓÈ×È×Ð×ÆÓÉÓÍÎÍÊØÛÈÛ ÈÊÛÎÉÏÓÉÉÓÍÎÉ×ÊÆÓÙ×ÉÈÔÛÈÍÌ×ÊÛÈ×ÌÇÊÉÇÛÎÈÈÍùÍØ×ÍÖö×Ø×ÊÛÐê×ÕÇÐÛÈÓÍÎÉ ÌÛÊÈ ÓÓíÆ×ÊÈÅÍÈÔÓÊØÉÍÖÈÔ×ÈÊÛÎÉÏÓÉÉÓÍÎÉÏ×ÛÉÇÊ×ØÓÎÏ×ÕÛÚÃÈ×É ÈÊÛÎÉÏÓÈÈ×ØÚÃÍÊÍÎÚ×ÔÛÐÖÍÖÈÔÍÉ×ØÓÊ×ÙÈÚÊÍÛØÙÛÉÈÈ×Ð×ÆÓÉÓÍÎÍÊØÛÈÛ ÈÊÛÎÉÏÓÉÉÓÍÎÉ×ÊÆÓÙ×ÉØÇÊÓÎÕÈÔ×È×ÉÈÌ×ÊÓÍØÅ×Ê×ÈÊÛÎÉÏÓÈÈ×ØÚÃÈÔ×ÖÛÙÓÐÓÈÃ ÈÍÍÊÍÎÚ×ÔÛÐÖÍÖÈÔÍÉ×É×ÊÆÓÙ×É öÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÉÇÚØÓÆÓÉÓÍÎÚÍÖÈÔÓÉÌÛÊÛÕÊÛÌÔÈ×ÉÈÌ×ÊÓÍØÏ×ÛÎÉ ÈÔ×ÈÔÊ××ÔÇÎØÊ×ØÉÓÄÈÃÖÓÆ×ØÛÃÌ×ÊÓÍØÚ×ÕÓÎÎÓÎÕÍÎÈÔ×ÐÛÈ×ÊÍÖÈÔ×ØÛÈ×ÍÎ ÅÔÓÙÔÈÔ×ÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÓÉÌÇÊÙÔÛÉ×ØÍÊÈÔ×ØÛÈ×ÍÎÅÔÓÙÔÈÔ× ØÓÊ×ÙÈÚÊÍÛØÙÛÉÈÉÛÈ×ÐÐÓÈ×È×Ð×ÆÓÉÓÍÎÍÊØÛÈÛÈÊÛÎÉÏÓÉÉÓÍÎÉ×ÊÆÓÙ×ÖÓÊÉÈ ÈÊÛÎÉÏÓÈÉÓÎÖÍÊÏÛÈÓÍÎÈÍÓÈÉÙÇÉÈÍÏ×ÊÉ ùÐ×ÛÎÊÍÍÏÉÈÔÛÈÛÊ×ÇÉ×ØÖÍÊÏÛÎÇÖÛÙÈÇÊÓÎÕÌÊÍÙ×ÉÉÓÎÕ ÖÛÚÊÓÙÛÈÓÍÎÍÊÊ×É×ÛÊÙÔÛÎØØ×Æ×ÐÍÌÏ×ÎÈÛÉØ×ÖÓÎ×ØÓÎÌÛÊÛÕÊÛÌÔÍÖÈÔÓÉ ÉÇÚÉ×ÙÈÓÍÎÍÖÉ×ÏÓÙÍÎØÇÙÈÍÊÌÊÍØÇÙÈÉöÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÈÔÓÉÌÛÊÛÕÊÛÌÔ ÙÐ×ÛÎÊÍÍÏÏ×ÛÎÉÛÐÐÌÊÍÌ×ÊÈÃÈÔÛÈÙÍÏÌÊÓÉ×ÉÍÊÙÊ×ÛÈ×ÉÛÎ×ÎÆÓÊÍÎÏ×ÎÈ ÅÔ×Ê×ÔÇÏÓØÓÈÃÈ×ÏÌ×ÊÛÈÇÊ×ÌÛÊÈÓÙÇÐÛÈ×ÏÛÈÈ×ÊÛÎØÙÍÎÈÛÏÓÎÛÈÓÍÎÛÊ× ÌÊ×ÙÓÉ×ÐÃÙÍÎÈÊÍÐÐ×ØÅÓÈÔÓÎÉÌ×ÙÓÖÓ×ØÌÛÊÛÏ×È×ÊÉÅÓÈÔÍÇÈÊ×ÕÛÊØÈÍÅÔ×ÈÔ×Ê ÈÔ×ÌÊÍÌ×ÊÈÃÓÉÛÙÈÇÛÐÐÃÙÍÎÈÛÓÎ×ØÅÓÈÔÓÎÈÔÛÈ×ÎÆÓÊÍÎÏ×ÎÈÍÊÅÔ×ÈÔ×ÊÛÎÃÍÖ ÈÔ×ÌÊÍÌ×ÊÈÃÓÉÛÖÖÓÄ×ØÈÍÍÊÓÎÙÍÊÌÍÊÛÈ×ØÓÎÈÍÊ×ÛÐÌÊÍÌ×ÊÈÃùÐ×ÛÎÊÍÍÏ ÛóÎÙÐÇØ×ÉÈÔ×ÓÎÈ×ÕÊÛÈ×ØÉÃÉÈ×ÏÉÖÓÄÈÇÊ×ÉÌÓÌÓÎÕÏÍÆÛÚÐ× ÌÛÊÈÓÈÓÍÎÉÐÓÕÔÈÓÎÕÛÎØÛÐÐÌÊÍÌ×ÊÈÃÈÔÛÈÓÉÎ×Ù×ÉÉÛÊÃÍÊÛØÛÌÈ×ØÈÍÊ×ØÇÙ× ÙÍÎÈÛÏÓÎÛÈÓÍÎÍÊÈÍÙÍÎÈÊÍÐÛÓÊÖÐÍÅÈ×ÏÌ×ÊÛÈÇÊ×ÔÇÏÓØÓÈÃÙÔ×ÏÓÙÛÐÌÇÊÓÈÃ ÍÊÍÈÔ×Ê×ÎÆÓÊÍÎÏ×ÎÈÛÐÙÍÎØÓÈÓÍÎÉÍÊÏÛÎÇÖÛÙÈÇÊÓÎÕÈÍÐ×ÊÛÎÙ×ÉÛÉÅ×ÐÐÛÉÈÔ× ÌÊÍØÇÙÈÓÍÎÏÛÙÔÓÎ×ÊÃÛÎØ×ËÇÓÌÏ×ÎÈÍÌ×ÊÛÈÓÎÕÓÎÙÍÎÒÇÎÙÈÓÍÎÅÓÈÔÈÔ×ÙÐ×ÛÎ ÊÍÍÏ×ÎÆÓÊÍÎÏ×ÎÈ ÚøÍ×ÉÎÍÈÓÎÙÐÇØ×ÈÔ×ÚÇÓÐØÓÎÕÍÊÍÈÔ×ÊÌ×ÊÏÛÎ×ÎÈÎÍÎÊ×ÏÍÆÛÚÐ× ÙÍÏÌÍÎ×ÎÈÍÖÈÔ×ÚÇÓÐØÓÎÕÈÔÛÈÔÍÇÉ×ÉÈÔ×ÙÐ×ÛÎÊÍÍÏ×ÎÆÓÊÍÎÏ×ÎÈ ïÛÙÔÓÎ×ÊÃÛÎØ×ËÇÓÌÏ×ÎÈÇÉ×ØØÓÊ×ÙÈÐÃÓÎÈÔ×Ö××ØÓÎÕÍÖÌÍÇÐÈÊÃ ÈÔ××ÎÆÓÊÍÎÏ×ÎÈÛÐÙÍÎÈÊÍÐÍÖÔÍÇÉÓÎÕÖÍÊÌÍÇÐÈÊÃÈÔ×ÏÍÆ×Ï×ÎÈÍÖ×ÕÕÉÅÓÈÔÓÎ ÛÌÊÍØÇÙÈÓÍÎÛÎØÌÛÙÑÛÕÓÎÕÖÛÙÓÐÓÈÃÍÊÈÔ×ÉÍÊÈÓÎÕÍÊÙÍÍÐÓÎÕÍÖ×ÕÕÉèÔÓÉ ×Ä×ÏÌÈÓÍÎØÍ×ÉÎÍÈÛÌÌÐÃÈÍÆ×ÔÓÙÐ×ÉÇÉ×ØÖÍÊÈÊÛÎÉÌÍÊÈÓÎÕ×ÕÕÉ ïÛÙÔÓÎ×ÊÃÍÊ×ËÇÓÌÏ×ÎÈÓÎÙÐÇØÓÎÕÊ×ÐÛÈ×ØÉÈÊÇÙÈÇÊÛÐÙÍÏÌÍÎ×ÎÈÉ ÈÔÛÈÓÉ×ÏÌÐÍÃ×ØÓÎÙÍÎÎ×ÙÈÓÍÎÅÓÈÔÏÛÎÇÖÛÙÈÇÊÓÎÕÌÊÍÙ×ÉÉÓÎÕÖÛÚÊÓÙÛÈÓÎÕ ÒÍÚÌÊÓÎÈÓÎÕÊ×ÖÓÎÓÎÕÏÓÎÓÎÕÎÛÈÇÊÛÐÕÛÉÌÓÌ×ÐÓÎ×ÉÏ×ÈÛÐÐÇÊÕÓÙÛÐ ÍÌ×ÊÛÈÓÍÎÉÈ×Ð×ÙÍÏÏÇÎÓÙÛÈÓÍÎÉÌÊÍØÇÙÓÎÕÍÊÈÊÛÎÉÏÓÈÈÓÎÕ×Ð×ÙÈÊÓÙÓÈÃÍÊ Study Session - March 13, 2013 - Page 73 of 125 ôú Ê×É×ÛÊÙÔÛÎØØ×Æ×ÐÍÌÏ×ÎÈÛÎØÈÔÛÈÓÉÇÉ×ØØÓÊ×ÙÈÐÃÈÍÏ××ÈÍÊ×ÄÙ××ØÊÇÐ×ÉÍÊ Ê×ÕÇÐÛÈÓÍÎÉÛØÍÌÈ×ØÚÃÈÔ×Ö×Ø×ÊÛÐ×Î×ÊÕÃÊ×ÕÇÐÛÈÍÊÃÙÍÏÏÓÉÉÓÍÎÈÔ×çÎÓÈ×Ø éÈÛÈ×É×ÎÆÓÊÍÎÏ×ÎÈÛÐÌÊÍÈ×ÙÈÓÍÎÛÕ×ÎÙÃÈÔ×çÎÓÈ×ØéÈÛÈ×ÉÎÇÙÐ×ÛÊÊ×ÕÇÐÛÈÍÊÃ ÙÍÏÏÓÉÉÓÍÎÈÔ×ûÊÓÂÍÎÛØ×ÌÛÊÈÏ×ÎÈÍÖ×ÎÆÓÊÍÎÏ×ÎÈÛÐËÇÛÐÓÈÃÍÊÛÌÍÐÓÈÓÙÛÐ ÉÇÚØÓÆÓÉÓÍÎÍÖÈÔÓÉÉÈÛÈ×ÈÍÌÊ×Æ×ÎÈÏÍÎÓÈÍÊÙÍÎÈÊÍÐÍÊÊ×ØÇÙ×ÐÛÎØÅÛÈ×Ê ÍÊÛÓÊÌÍÐÐÇÈÓÍÎ ïÛÙÔÓÎ×ÊÃÛÎØ×ËÇÓÌÏ×ÎÈÈÔÛÈÛÊ×ÉÍÐØÈÍÛÌ×ÊÉÍÎ×ÎÕÛÕ×ØÓÎÈÔ× ÙÍÏÏ×ÊÙÓÛÐÌÊÍØÇÙÈÓÍÎÍÖÐÓÆ×ÉÈÍÙÑÐÓÆ×ÉÈÍÙÑÌÊÍØÇÙÈÉÍÊÛÕÊÓÙÇÐÈÇÊÛÐ ÔÍÊÈÓÙÇÐÈÇÊÛÐÆÓÈÓÙÇÐÈÇÊÛÐÍÊÖÐÍÊÓÙÇÐÈÇÊÛÐÙÊÍÌÉÍÊÌÊÍØÇÙÈÉÓÎÈÔÓÉÉÈÛÈ× ÛÎØÈÔÛÈÛÊ×ÇÉ×ØØÓÊ×ÙÈÐÃÛÎØÌÊÓÏÛÊÓÐÃÈÍÌÊ×Æ×ÎÈÏÍÎÓÈÍÊÙÍÎÈÊÍÐÍÊ Ê×ØÇÙ×ÛÓÊÅÛÈ×ÊÍÊÐÛÎØÌÍÐÐÇÈÓÍÎ ïÛÙÔÓÎ×ÊÃÍÊ×ËÇÓÌÏ×ÎÈÈÔÛÈ×ÎÛÚÐ×ÉÛÈ×Ð×ÆÓÉÓÍÎÉÈÛÈÓÍÎÈÍ ÍÊÓÕÓÎÛÈ×ÛÎØÚÊÍÛØÙÛÉÈÍÊÈÍÊ×Ù×ÓÆ×ÛÎØÚÊÍÛØÙÛÉÈØÓÕÓÈÛÐÈ×Ð×ÆÓÉÓÍÎ ÉÓÕÎÛÐÉÛÎØÈÔÛÈÅÛÉÌÇÊÙÔÛÉ×ØÈÍÖÛÙÓÐÓÈÛÈ×ÙÍÏÌÐÓÛÎÙ×ÅÓÈÔÈÔ× È×Ð×ÙÍÏÏÇÎÓÙÛÈÓÍÎÉÛÙÈÍÖìð éÈÛÈçÎÓÈ×ØéÈÛÈ×É ùÍØ×É×ÙÈÓÍÎ ÛÎØÈÔ×Ö×Ø×ÊÛÐÙÍÏÏÇÎÓÙÛÈÓÍÎÉÙÍÏÏÓÉÉÓÍÎÍÊØ×ÊÓÉÉÇ×Ø ûÌÊÓÐ ùÍØ×ÍÖö×Ø×ÊÛÐê×ÕÇÐÛÈÓÍÎÉÌÛÊÈ èÔÓÉÌÛÊÛÕÊÛÌÔØÍ×É ÎÍÈ×Ä×ÏÌÈÛÎÃÍÖÈÔ×ÖÍÐÐÍÅÓÎÕ Ûê×ÌÛÓÊÍÊÊ×ÌÐÛÙ×Ï×ÎÈÌÛÊÈÉÌÇÊÙÔÛÉ×ØÖÍÊÈÔ×ÏÛÙÔÓÎ×ÊÃÍÊ ×ËÇÓÌÏ×ÎÈØ×ÉÙÊÓÚ×ØÓÎÈÔÓÉÌÛÊÛÕÊÛÌÔ ÚïÛÙÔÓÎ×ÊÃÍÊ×ËÇÓÌÏ×ÎÈÌÇÊÙÔÛÉ×ØÈÍÊ×ÌÐÛÙ×ÏÛÙÔÓÎ×ÊÃÍÊ×ËÇÓÌÏ×ÎÈ ÖÍÊÅÔÓÙÔÛÎ×Ä×ÏÌÈÓÍÎÅÛÉÌÊ×ÆÓÍÇÉÐÃÙÐÛÓÏ×ØÛÎØÈÛÑ×ÎÇÎØ×ÊÈÔÓÉÌÛÊÛÕÊÛÌÔ ÙûÎÃÏÛÙÔÓÎ×ÊÃÍÊ×ËÇÓÌÏ×ÎÈÌÇÊÙÔÛÉ×ØÛÖÈ×ÊÈÔ×È×Ð×ÆÓÉÓÍÎÉÈÛÈÓÍÎ ÔÛÉÙ×ÛÉ×ØÛÎÛÐÍÕÚÊÍÛØÙÛÉÈÓÎÕÍÊÌÇÊÙÔÛÉ×ØÛÖÈ×ÊîÍÆ×ÏÚ×Ê ÅÔÓÙÔ×Æ×ÊÍÙÙÇÊÉÖÓÊÉÈ ÖÊÍÏÛÎØÛÖÈ×ÊòÇÎ× ÈÔÊÍÇÕÔòÇÎ× ÚÃÛËÇÛÐÓÖÓ×ØÚÇÉÓÎ×ÉÉÇÎØ×ÊÉ×ÙÈÓÍÎÖÍÊ ÔÛÊÆ×ÉÈÓÎÕÍÊÌÊÍÙ×ÉÉÓÎÕËÇÛÐÓÖÃÓÎÕÖÍÊ×ÉÈÌÊÍØÇÙÈÉÊ×ÏÍÆ×ØÖÊÍÏËÇÛÐÓÖÃÓÎÕ ÌÊÍÒ×ÙÈÉÛÉØ×ÖÓÎ×ØÓÎÉ×ÙÈÓÍÎèÍËÇÛÐÓÖÃÖÍÊÈÔÓÉØ×ØÇÙÈÓÍÎÈÔ× ËÇÛÐÓÖÓ×ØÚÇÉÓÎ×ÉÉÛÈÈÔ×ÈÓÏ×ÍÖÌÇÊÙÔÛÉ×ÏÇÉÈÌÊ×É×ÎÈÓÈÉÙ×ÊÈÓÖÓÙÛÈÓÍÎ ÛÌÌÊÍÆ×ØÚÃÈÔ×Ø×ÌÛÊÈÏ×ÎÈ ùèÔ×Ø×ØÇÙÈÓÍÎÉÌÊÍÆÓØ×ØÚÃÉÇÚÉ×ÙÈÓÍÎúÍÖÈÔÓÉÉ×ÙÈÓÍÎØÍÎÍÈ ÓÎÙÐÇØ×ÉÛÐ×ÉÍÖ ÷ÄÌ×ÎØÛÚÐ×ÏÛÈ×ÊÓÛÐÉöÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÈÔÓÉÌÛÊÛÕÊÛÌÔ ×ÄÌ×ÎØÛÚÐ×ÏÛÈ×ÊÓÛÐÉØÍÎÍÈÓÎÙÐÇØ×ÛÎÃÍÖÈÔ×ÙÛÈ×ÕÍÊÓ×ÉÍÖÈÛÎÕÓÚÐ× Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÉÌ×ÙÓÖÓ×ØÓÎÉÇÚÉ×ÙÈÓÍÎúÍÖÈÔÓÉÉ×ÙÈÓÍÎÊ×ÕÛÊØÐ×ÉÉÍÖÈÔ× ÙÍÉÈÍÊÇÉ×ÖÇÐÐÓÖ×ÍÖÈÔÛÈÌÊÍÌ×ÊÈÃ òÛÎÓÈÍÊÓÛÐ×ËÇÓÌÏ×ÎÈÛÎØÔÛÎØÈÍÍÐÉ íÖÖÓÙ××ËÇÓÌÏ×ÎÈÖÇÊÎÓÈÇÊ×ÛÎØÉÇÌÌÐÓ×É èÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÇÉ×ØÓÎÉ×ÐÐÓÎÕÍÊØÓÉÈÊÓÚÇÈÓÎÕ ÛÙÈÓÆÓÈÓ×ÉÍÈÔ×ÊÈÔÛÎÈÔ×È×Ð×ÙÍÏÏÇÎÓÙÛÈÓÍÎÉÈÊÛÎÉÏÓÉÉÓÍÎÉØ×ÉÙÊÓÚ×ØÓÎ ÉÇÚÉ×ÙÈÓÍÎúÌÛÊÛÕÊÛÌÔ ÍÖÈÔÓÉÉ×ÙÈÓÍÎ ïÍÈÍÊÆ×ÔÓÙÐ×ÉÊ×ËÇÓÊ×ØÈÍÚ×ÐÓÙ×ÎÉ×ØÚÃÈÔÓÉÉÈÛÈ××ÄÙ×ÌÈÚÇÉ×É ÍÊÍÈÔ×ÊÇÊÚÛÎÏÛÉÉÈÊÛÎÉÓÈÆ×ÔÓÙÐ×ÉÉÌ×ÙÓÖÓÙÛÐÐÃ×Ä×ÏÌÈ×ØÌÇÊÉÇÛÎÈÈÍ Study Session - March 13, 2013 - Page 74 of 125 ôú ÉÇÚÉ×ÙÈÓÍÎúÌÛÊÛÕÊÛÌÔÍÖÈÔÓÉÉ×ÙÈÓÍÎÅÓÈÔÍÇÈÊ×ÕÛÊØÈÍÈÔ×ÇÉ×ÍÖÉÇÙÔ ÏÍÈÍÊÆ×ÔÓÙÐ×É éÔÍÌÉÚÇÓÐØÓÎÕÉØÍÙÑÉØ×ÌÍÈÉÛÎØÛÐÐÍÈÔ×ÊÏÛÈ×ÊÓÛÐÉÍÖÅÔÛÈ×Æ×Ê ÑÓÎØÍÊÙÔÛÊÛÙÈ×ÊÎÍÈÉÌ×ÙÓÖÓÙÛÐÐÃÓÎÙÐÇØ×ØÛÉ×Ä×ÏÌÈ ïÍÈÍÊÉÛÎØÌÇÏÌÉÇÉ×ØÓÎØÊÓÌÓÊÊÓÕÛÈÓÍÎÉÃÉÈ×ÏÉ øóÎÛØØÓÈÓÍÎÈÍÈÔ×Ø×ØÇÙÈÓÍÎÉÖÊÍÏÈÔ×ÈÛÄÚÛÉ×ÌÊ×ÉÙÊÓÚ×ØÚÃ ÉÇÚÉ×ÙÈÓÍÎûÍÖÈÔÓÉÉ×ÙÈÓÍÎÈÔ×Ê×ÉÔÛÐÐÚ×Ø×ØÇÙÈ×ØÖÊÍÏÈÔ×ÈÛÄÚÛÉ×ÈÔ× ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ×Ø×ÊÓÆ×ØÖÊÍÏÉÛÐ×ÉÍÖÏÛÙÔÓÎ×ÊÃ ×ËÇÓÌÏ×ÎÈÏÛÈ×ÊÓÛÐÉÛÎØÍÈÔ×ÊÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÇÉ×ØØÓÊ×ÙÈÐÃÛÎØ ÌÊ×ØÍÏÓÎÛÎÈÐÃÈÍÙÍÎÉÈÊÇÙÈÛËÇÛÐÓÖÓ×Ø×ÎÆÓÊÍÎÏ×ÎÈÛÐÈ×ÙÔÎÍÐÍÕÃ ÏÛÎÇÖÛÙÈÇÊÓÎÕÌÊÍØÇÙÓÎÕÍÊÌÊÍÙ×ÉÉÓÎÕÖÛÙÓÐÓÈÃÛÉØ×ÉÙÊÓÚ×ØÓÎÉ×ÙÈÓÍÎ èÔÓÉÉÇÚÉ×ÙÈÓÍÎÛÌÌÐÓ×ÉÖÍÊÈ×ÎÖÇÐÐÙÍÎÉ×ÙÇÈÓÆ×ÙÛÐ×ÎØÛÊÍÊ ÖÓÉÙÛÐÃ×ÛÊÉÛÖÈ×ÊÈÔ×ÉÈÛÊÈÍÖÓÎÓÈÓÛÐÙÍÎÉÈÊÇÙÈÓÍÎ ÷óÎÙÍÏÌÇÈÓÎÕÈÔ×ÈÛÄÚÛÉ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ× ÖÊÍÏÊ×ÈÛÓÐÉÛÐ×ÉÍÖÔ×ÛÆÃÈÊÇÙÑÉÛÎØÈÊÛÓÐ×ÊÉØÍ×ÉÎÍÈÓÎÙÐÇØ×ÛÎÃÛÏÍÇÎÈ ÛÈÈÊÓÚÇÈÛÚÐ×ÈÍÖ×Ø×ÊÛÐ×ÄÙÓÉ×ÈÛÄ×ÉÓÏÌÍÉ×ØÚÃ çÎÓÈ×ØéÈÛÈ×ÉùÍØ×É×ÙÈÓÍÎ öóÎÙÍÏÌÇÈÓÎÕÈÔ×ÈÛÄÚÛÉ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ× ÖÊÍÏÈÔ×ÉÛÐ×ÍÖÇÉ×ÖÇ×ÐÛÉØ×ÖÓÎ×ØÓÎÉ×ÙÈÓÍÎ ØÍ×ÉÎÍÈÓÎÙÐÇØ× ÛÎÃÛÏÍÇÎÈÛÈÈÊÓÚÇÈÛÚÐ×ÈÍÖ×Ø×ÊÛÐ×ÄÙÓÉ×ÈÛÄ×ÉÓÏÌÍÉ×ØÚÃ çÎÓÈ×ØéÈÛÈ×É ùÍØ×É×ÙÈÓÍÎ õóÖÛÌ×ÊÉÍÎÓÉ×ÎÕÛÕ×ØÓÎÛÎÍÙÙÇÌÛÈÓÍÎÍÊÚÇÉÓÎ×ÉÉÈÍÅÔÓÙÔ ÉÇÚÉ×ÙÈÓÍÎûÍÖÈÔÓÉÉ×ÙÈÓÍÎÛÌÌÐÓ×ÉÈÔ×Ì×ÊÉÍÎÉÚÍÍÑÉÉÔÛÐÐÚ×Ñ×ÌÈÉÍÛÉ ÈÍÉÔÍÅÉ×ÌÛÊÛÈ×ÐÃÈÔ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÖÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃ ÛÎØÈÔ×ÕÊÍÉÉÓÎÙÍÏ×ÖÊÍÏÉÛÐ×ÉÍÖÉ×ÊÆÓÙ×ÉÛÎØÓÖÎÍÈÉÍÑ×ÌÈÈÔ×ÈÛÄÉÔÛÐÐ Ú×ÓÏÌÍÉ×ØÍÎÈÔ×ÈÍÈÛÐÍÖÈÔ×Ì×ÊÉÍÎÉÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÖÈÛÎÕÓÚÐ× Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÛÎØÕÊÍÉÉÓÎÙÍÏ×ÖÊÍÏÉ×ÊÆÓÙ×É ôóÖÛÌ×ÊÉÍÎÓÉ×ÎÕÛÕ×ØÓÎÈÔ×ÚÇÉÓÎ×ÉÉÍÖÉ×ÐÐÓÎÕÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐ ÌÊÍÌ×ÊÈÃÛÈÚÍÈÔÅÔÍÐ×ÉÛÐ×ÛÎØÊ×ÈÛÓÐÈÔ×ÈÛÄÇÎØ×ÊÈÔÓÉÉ×ÙÈÓÍÎÛÌÌÐÓ×É ÍÎÐÃÈÍÈÔ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÈÔ×ÉÛÐ×ÉÏÛØ×ÍÈÔ×ÊÈÔÛÎÛÈÅÔÍÐ×ÉÛÐ×ÓÖÈÔ× Ì×ÊÉÍÎÉÚÍÍÑÉÛÊ×Ñ×ÌÈÉÍÛÉÈÍÉÔÍÅÉ×ÌÛÊÛÈ×ÐÃÈÔ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×É ÍÖ×ÛÙÔÙÐÛÉÉÛÎØÓÖÈÔ×ÚÍÍÑÉÛÊ×ÎÍÈÉÍÑ×ÌÈÈÔ×ÈÛÄÇÎØ×ÊÈÔÓÉÉ×ÙÈÓÍÎ ÛÌÌÐÓ×ÉÈÍÈÔ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÖ×Æ×ÊÃÉÛÐ×ÉÍÏÛØ× óûÌ×ÊÉÍÎÅÔÍ×ÎÕÛÕ×ÉÓÎÏÛÎÇÖÛÙÈÇÊÓÎÕÚÛÐÓÎÕÙÊÛÈÓÎÕÚÍÄÓÎÕ ÚÛÊÊ×ÐÓÎÕÙÛÎÎÓÎÕÚÍÈÈÐÓÎÕÉÛÙÑÓÎÕÌÊ×É×ÊÆÓÎÕÌÊÍÙ×ÉÉÓÎÕÍÊÍÈÔ×ÊÅÓÉ× ÌÊ×ÌÛÊÓÎÕÖÍÊÉÛÐ×ÍÊÙÍÏÏ×ÊÙÓÛÐÇÉ×ÛÎÃÐÓÆ×ÉÈÍÙÑÛÕÊÓÙÇÐÈÇÊÛÐÍÊ ÔÍÊÈÓÙÇÐÈÇÊÛÐÌÊÍØÇÙÈÍÊÛÎÃÍÈÔ×ÊÌÊÍØÇÙÈÛÊÈÓÙÐ×ÉÇÚÉÈÛÎÙ×ÍÊÙÍÏÏÍØÓÈÃ ÛÎØÅÔÍÉ×ÐÐÉÈÔ×ÌÊÍØÇÙÈÍÖÉÇÙÔÚÇÉÓÎ×ÉÉÛÈÊ×ÈÛÓÐÓÎÈÔÓÉÉÈÛÈ×ÓÉØ××Ï×Ø ÛÉÈÍÉÇÙÔÉÛÐ×ÉÈÍÚ××ÎÕÛÕ×ØÓÎÚÇÉÓÎ×ÉÉÙÐÛÉÉÓÖÓ×ØÇÎØ×ÊÈÔ×Ê×ÈÛÓÐ ÙÐÛÉÉÓÖÓÙÛÈÓÍÎèÔÓÉÉÇÚÉ×ÙÈÓÍÎØÍ×ÉÎÍÈÛÌÌÐÃÈÍÚÇÉÓÎ×ÉÉ×ÉÙÐÛÉÉÓÖÓ×Ø ÇÎØ×ÊÈÔ× èÊÛÎÉÌÍÊÈÓÎÕÙÐÛÉÉÓÖÓÙÛÈÓÍÎ çÈÓÐÓÈÓ×ÉÙÐÛÉÉÓÖÓÙÛÈÓÍÎ è×Ð×ÙÍÏÏÇÎÓÙÛÈÓÍÎÉÙÐÛÉÉÓÖÓÙÛÈÓÍÎ ìÓÌ×ÐÓÎ×ÙÐÛÉÉÓÖÓÙÛÈÓÍÎ Study Session - March 13, 2013 - Page 75 of 125 ôú ìÊÓÆÛÈ×ÙÛÊÐÓÎ×ÙÐÛÉÉÓÖÓÙÛÈÓÍÎ ìÇÚÐÓÙÛÈÓÍÎÙÐÛÉÉÓÖÓÙÛÈÓÍÎ òÍÚÌÊÓÎÈÓÎÕÙÐÛÉÉÓÖÓÙÛÈÓÍÎ ìÊÓÏ×ÙÍÎÈÊÛÙÈÓÎÕïûîçöûùèçê÷øúçóðøóîõø÷ûð÷êÙÐÛÉÉÓÖÓÙÛÈÓÍÎ íÅÎ×ÊÚÇÓÐØ×ÊÉÛÐ×ÉÙÐÛÉÉÓÖÓÙÛÈÓÍÎ ê×ÉÈÛÇÊÛÎÈÙÐÛÉÉÓÖÓÙÛÈÓÍÎ òèÔ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ×Ø×ÊÓÆ×ØÖÊÍÏÈÔ× ÖÍÐÐÍÅÓÎÕÉÔÛÐÐÚ×Ø×ØÇÙÈ×ØÖÊÍÏÈÔ×ÈÛÄÚÛÉ×ÖÍÊÈÔ×Ê×ÈÛÓÐÙÐÛÉÉÓÖÓÙÛÈÓÍÎ éÛÐ×ÉÏÛØ×ØÓÊ×ÙÈÐÃÈÍÈÔ×çÎÓÈ×ØéÈÛÈ×ÉÕÍÆ×ÊÎÏ×ÎÈÍÊÓÈÉ Ø×ÌÛÊÈÏ×ÎÈÉÍÊÛÕ×ÎÙÓ×ÉÚÃÛÏÛÎÇÖÛÙÈÇÊ×ÊÏÍØÓÖÓ×ÊÛÉÉ×ÏÚÐ×ÊÍÊÊ×ÌÛÓÊ×Ê éÛÐ×ÉÏÛØ×ØÓÊ×ÙÈÐÃÈÍÛÏÛÎÇÖÛÙÈÇÊ×ÊÏÍØÓÖÓ×ÊÛÉÉ×ÏÚÐ×ÊÍÊ Ê×ÌÛÓÊ×ÊÓÖÉÇÙÔÉÛÐ×ÉÛÊ×ÍÖÛÎÃÓÎÕÊ×ØÓ×ÎÈÍÊÙÍÏÌÍÎ×ÎÈÌÛÊÈÍÖÌÊÍØÇÙÈÉ ÉÍÐØØÓÊ×ÙÈÐÃÈÍÈÔ×çÎÓÈ×ØéÈÛÈ×ÉÕÍÆ×ÊÎÏ×ÎÈÍÊÓÈÉØ×ÌÛÊÈÏ×ÎÈÉÍÊÛÕ×ÎÙÓ×É ÚÃÈÔ×ÏÛÎÇÖÛÙÈÇÊ×ÊÏÍØÓÖÓ×ÊÛÉÉ×ÏÚÐ×ÊÍÊÊ×ÌÛÓÊ×Ê íÆ×ÊÔ×ÛØÏÛÈ×ÊÓÛÐÉÍÊÍÈÔ×ÊÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÈÔÛÈÓÉÇÉ×Ø ÓÎÌ×ÊÖÍÊÏÓÎÕÛÙÍÎÈÊÛÙÈÚ×ÈÅ××ÎÈÔ×çÎÓÈ×ØéÈÛÈ×ÉÕÍÆ×ÊÎÏ×ÎÈÛÎØÛ ÏÛÎÇÖÛÙÈÇÊ×ÊÏÍØÓÖÓ×ÊÛÉÉ×ÏÚÐ×ÊÍÊÊ×ÌÛÓÊ×ÊÓÎÙÐÇØÓÎÕÌÊÍÌ×ÊÈÃÇÉ×ØÓÎ Ì×ÊÖÍÊÏÓÎÕÛÉÇÚÙÍÎÈÊÛÙÈÅÓÈÔÛÕÍÆ×ÊÎÏ×ÎÈÙÍÎÈÊÛÙÈÍÊÅÔÍÓÉÛÏÛÎÇÖÛÙÈÇÊ×Ê ÏÍØÓÖÓ×ÊÛÉÉ×ÏÚÐ×ÊÍÊÊ×ÌÛÓÊ×ÊÈÍÅÔÓÙÔÈÓÈÐ×ÌÛÉÉ×ÉÈÍÈÔ×ÕÍÆ×ÊÎÏ×ÎÈ ÇÎØ×ÊÈÔ×È×ÊÏÉÍÖÈÔ×ÙÍÎÈÊÛÙÈÍÊÉÇÚÙÍÎÈÊÛÙÈ éÛÐ×ÉÍÖÍÆ×ÊÔ×ÛØÏÛÈ×ÊÓÛÐÉÍÊÍÈÔ×ÊÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÈÍ ÛÏÛÎÇÖÛÙÈÇÊ×ÊÏÍØÓÖÓ×ÊÛÉÉ×ÏÚÐ×ÊÍÊÊ×ÌÛÓÊ×ÊÓÖÈÔ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÖ ÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ×Ø×ÊÓÆ×ØÖÊÍÏÈÔ×ÌÊÍÌ×ÊÈÃÚÃÈÔ×ÏÛÎÇÖÛÙÈÇÊ×Ê ÏÍØÓÖÓ×ÊÛÉÉ×ÏÚÐ×ÊÍÊÊ×ÌÛÓÊ×ÊÅÓÐÐÚ××Ä×ÏÌÈÇÎØ×ÊÌÛÊÛÕÊÛÌÔ ÍÖÈÔÓÉ ÉÇÚÉ×ÙÈÓÍÎ ñèÔ×Ê×ÉÔÛÐÐÚ×Ø×ØÇÙÈ×ØÖÊÍÏÈÔ×ÈÛÄÚÛÉ×ÖÓÖÈÃÌ×ÊÙ×ÎÈÍÖÈÔ× ÕÊÍÉÉÌÊÍÙ××ØÉÍÊÕÊÍÉÉÓÎÙÍÏ×ÖÊÍÏÛÎÃÉÛÐ×ÍÖÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃ ÏÛØ×ØÓÊ×ÙÈÐÃÈÍÈÔ×çÎÓÈ×ØéÈÛÈ×ÉÕÍÆ×ÊÎÏ×ÎÈÍÊÓÈÉØ×ÌÛÊÈÏ×ÎÈÉÍÊ ÛÕ×ÎÙÓ×É ÅÔÓÙÔèôûèÓÉÎÍÈØ×ØÇÙÈ×ØÇÎØ×ÊÉÇÚÉ×ÙÈÓÍÎòÍÖÈÔÓÉÉ×ÙÈÓÍÎ ðèÔ×Ø×ÌÛÊÈÏ×ÎÈÉÔÛÐÐÊ×ËÇÓÊ××Æ×ÊÃÌ×ÊÉÍÎÙÐÛÓÏÓÎÕÛØ×ØÇÙÈÓÍÎ ÌÊÍÆÓØ×ØÚÃÉÇÚÉ×ÙÈÓÍÎòÍÊñÍÖÈÔÓÉÉ×ÙÈÓÍÎÈÍÖÓÐ×ÍÎÖÍÊÏÉÌÊ×ÉÙÊÓÚ×ØÚÃ ÈÔ×Ø×ÌÛÊÈÏ×ÎÈÛÈÉÇÙÔÈÓÏ×ÉÛÉÈÔ×Ø×ÌÛÊÈÏ×ÎÈØÓÊ×ÙÈÉÛÉÅÍÊÎÉÈÛÈ×Ï×ÎÈ ØÓÉÙÐÍÉÓÎÕÈÔ×ÎÛÏ×ÍÖÈÔ×ÌÇÊÙÔÛÉ×ÊÛÎØÈÔ××ÄÛÙÈÛÏÍÇÎÈÍÖÉÛÐ×ÉÍÎÅÔÓÙÔ ÈÔ××ÄÙÐÇÉÓÍÎÍÊØ×ØÇÙÈÓÍÎÓÉÙÐÛÓÏ×Ø ïóÎÙÍÏÌÇÈÓÎÕÈÔ×ÈÛÄÚÛÉ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ× ØÍ×ÉÎÍÈÓÎÙÐÇØ× ûÏÛÎÇÖÛÙÈÇÊ×ÊÉÙÛÉÔÊ×ÚÛÈ×ÍÎÈÔ×ÉÛÐ×ÉÌÊÓÙ×ÍÖÛÏÍÈÍÊÆ×ÔÓÙÐ× ÓÖÈÔ×ÚÇÃ×ÊÛÉÉÓÕÎÉÈÔ×ÚÇÃ×ÊÉÊÓÕÔÈÓÎÈÔ×Ê×ÚÛÈ×ÈÍÈÔ×Ê×ÈÛÓÐ×Ê èÔ×ÅÛÉÈ×ÈÓÊ×ØÓÉÌÍÉÛÐÖ××ÓÏÌÍÉ×ØÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ îèÔ×Ê×ÉÔÛÐÐÚ×Ø×ØÇÙÈ×ØÖÊÍÏÈÔ×ÈÛÄÚÛÉ×ÈÔ×ÛÏÍÇÎÈÊ×Ù×ÓÆ×ØÖÊÍÏ ÉÛÐ×ÉÍÖÉÍÐÛÊ×Î×ÊÕÃØ×ÆÓÙ×ÉèÔ×Ê×ÈÛÓÐ×ÊÉÔÛÐÐÊ×ÕÓÉÈ×ÊÅÓÈÔÈÔ× Ø×ÌÛÊÈÏ×ÎÈÛÉÛÉÍÐÛÊ×Î×ÊÕÃÊ×ÈÛÓÐ×ÊúÃÊ×ÕÓÉÈ×ÊÓÎÕÈÔ×Ê×ÈÛÓÐ×Ê ÛÙÑÎÍÅÐ×ØÕ×ÉÈÔÛÈÓÈÅÓÐÐÏÛÑ×ÓÈÉÚÍÍÑÉÛÎØÊ×ÙÍÊØÉÊ×ÐÛÈÓÎÕÈÍÉÛÐ×ÉÍÖ ÉÍÐÛÊ×Î×ÊÕÃØ×ÆÓÙ×ÉÛÆÛÓÐÛÚÐ×ÈÍÈÔ×Ø×ÌÛÊÈÏ×ÎÈÖÍÊ×ÄÛÏÓÎÛÈÓÍÎ Study Session - March 13, 2013 - Page 76 of 125 ôú íóÎÙÍÏÌÇÈÓÎÕÈÔ×ÈÛÄÚÛÉ×ÓÎÈÔ×ÙÛÉ×ÍÖÈÔ×ÉÛÐ×ÍÊÈÊÛÎÉÖ×ÊÍÖ ÅÓÊ×Ð×ÉÉÈ×Ð×ÙÍÏÏÇÎÓÙÛÈÓÍÎÉ×ËÇÓÌÏ×ÎÈÛÉÛÎÓÎØÇÙ×Ï×ÎÈÈÍÛÙÇÉÈÍÏ×ÊÈÍ×ÎÈ×Ê ÓÎÈÍÍÊÙÍÎÈÓÎÇ×ÛÙÍÎÈÊÛÙÈÖÍÊÈ×Ð×ÙÍÏÏÇÎÓÙÛÈÓÍÎÉÉ×ÊÆÓÙ×ÉÈÔÛÈÛÊ×ÈÛÄÛÚÐ× ÇÎØ×ÊÉ×ÙÈÓÍÎ ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ×ØÍ×ÉÎÍÈ ÓÎÙÐÇØ×ÛÎÃÉÛÐ×ÉÙÍÏÏÓÉÉÓÍÎÉÍÊÍÈÔ×ÊÙÍÏÌ×ÎÉÛÈÓÍÎÊ×Ù×ÓÆ×ØÚÃÈÔ×Ê×ÈÛÓÐ×Ê ÛÉÛÊ×ÉÇÐÈÍÖÈÔ×ÙÇÉÈÍÏ×Ê×ÎÈ×ÊÓÎÕÓÎÈÍÍÊÙÍÎÈÓÎÇÓÎÕÛÙÍÎÈÊÛÙÈÖÍÊÈÔ× È×Ð×ÙÍÏÏÇÎÓÙÛÈÓÍÎÉÉ×ÊÆÓÙ×É ìöÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÈÔÓÉÉ×ÙÈÓÍÎÛÉÛÐ×ÍÖÅÓÊ×Ð×ÉÉ È×Ð×ÙÍÏÏÇÎÓÙÛÈÓÍÎÉ×ËÇÓÌÏ×ÎÈÈÍÛÌ×ÊÉÍÎÅÔÍÔÍÐØÉÈÔ××ËÇÓÌÏ×ÎÈÖÍÊÉÛÐ×ÍÊ ÈÊÛÎÉÖ×ÊÈÍÛÙÇÉÈÍÏ×ÊÛÉÛÎÓÎØÇÙ×Ï×ÎÈÈÍ×ÎÈ×ÊÓÎÈÍÍÊÙÍÎÈÓÎÇ×ÛÙÍÎÈÊÛÙÈ ÖÍÊÈ×Ð×ÙÍÏÏÇÎÓÙÛÈÓÍÎÉÉ×ÊÆÓÙ×ÉÈÔÛÈÛÊ×ÈÛÄÛÚÐ×ÇÎØ×ÊÉ×ÙÈÓÍÎ ÓÉ ÙÍÎÉÓØ×Ê×ØÈÍÚ×ÛÉÛÐ×ÖÍÊÊ×ÉÛÐ×ÓÎÈÔ×Ê×ÕÇÐÛÊÙÍÇÊÉ×ÍÖÚÇÉÓÎ×ÉÉ ëê×ÈÛÓÐÉÛÐ×ÉÍÖÌÊ×ÌÛÓØÙÛÐÐÓÎÕÙÛÊØÉÍÊÌÊ×ÌÛÓØÛÇÈÔÍÊÓÂÛÈÓÍÎ ÎÇÏÚ×ÊÉÖÍÊÈ×Ð×ÙÍÏÏÇÎÓÙÛÈÓÍÎÉÉ×ÊÆÓÙ×ÉÓÎÙÐÇØÓÎÕÉÛÐ×ÉÍÖÊ×ÛÇÈÔÍÊÓÂÛÈÓÍÎ ÍÖÛÌÊ×ÌÛÓØÙÛÊØÍÊÛÇÈÔÍÊÓÂÛÈÓÍÎÎÇÏÚ×ÊÛÊ×ÉÇÚÒ×ÙÈÈÍÈÛÄÇÎØ×ÊÈÔÓÉ É×ÙÈÓÍÎ êöÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÈÔÓÉÉ×ÙÈÓÍÎÈÔ×ØÓÆ×ÊÉÓÍÎÍÖÕÛÉÖÊÍÏÛ ÌÓÌ×ÐÓÎ×ÚÃÛÌ×ÊÉÍÎ×ÎÕÛÕ×ØÓÎÈÔ×ÚÇÉÓÎ×ÉÉÍÖ íÌ×ÊÛÈÓÎÕÛÎÛÈÇÊÛÐÍÊÛÊÈÓÖÓÙÓÛÐÕÛÉÌÓÌ×ÐÓÎ×ÖÍÊÈÔ×ÉÍÐ× ÌÇÊÌÍÉ×ÍÖÖÇ×ÐÓÎÕÙÍÏÌÊ×ÉÉÍÊ×ËÇÓÌÏ×ÎÈÈÍÌÊ×ÉÉÇÊÓÂ×ÈÔ×ÌÓÌ×ÐÓÎ×ÓÉÎÍÈÛ ÉÛÐ×ÍÖÈÔ×ÕÛÉÈÍÈÔ×ÍÌ×ÊÛÈÍÊÍÖÈÔ×ÌÓÌ×ÐÓÎ× ùÍÎÆ×ÊÈÓÎÕÎÛÈÇÊÛÐÕÛÉÓÎÈÍÐÓËÇ×ÖÓ×ØÎÛÈÇÊÛÐÕÛÉÖÍÊÈÔ×ÉÍÐ× ÌÇÊÌÍÉ×ÍÖÖÇ×ÐÓÎÕÙÍÏÌÊ×ÉÉÍÊ×ËÇÓÌÏ×ÎÈÇÉ×ØÓÎÈÔ×ÙÍÎÆ×ÊÉÓÍÎÌÊÍÙ×ÉÉÓÉ ÎÍÈÛÉÛÐ×ÍÖÕÛÉÈÍÈÔ×ÍÌ×ÊÛÈÍÊÍÖÈÔ×ÙÍÏÌÊ×ÉÉÍÊ×ËÇÓÌÏ×ÎÈ éóÖÛÉ×ÐÐ×ÊÓÉ×ÎÈÓÈÐ×ØÈÍÛØ×ØÇÙÈÓÍÎÌÇÊÉÇÛÎÈÈÍÉÇÚÉ×ÙÈÓÍÎú ÌÛÊÛÕÊÛÌÔÉÇÚØÓÆÓÉÓÍÎÚÍÖÈÔÓÉÉ×ÙÈÓÍÎÈÔ×Ø×ÌÛÊÈÏ×ÎÈÏÛÃÊ×ËÇÓÊ×ÈÔ× ÌÇÊÙÔÛÉ×ÊÈÍ×ÉÈÛÚÐÓÉÔÈÔÛÈÈÔ×Ê×ËÇÓÊ×Ï×ÎÈÉÍÖÉÇÚÉ×ÙÈÓÍÎúÌÛÊÛÕÊÛÌÔ ÉÇÚØÓÆÓÉÓÍÎÚÍÖÈÔÓÉÉ×ÙÈÓÍÎÔÛÆ×Ú××ÎÉÛÈÓÉÖÓ×ØóÖÈÔ×ÌÇÊÙÔÛÉ×ÊÙÛÎÎÍÈ ×ÉÈÛÚÐÓÉÔÈÔÛÈÈÔ×Ê×ËÇÓÊ×Ï×ÎÈÉÍÖÉÇÚÉ×ÙÈÓÍÎúÌÛÊÛÕÊÛÌÔÉÇÚØÓÆÓÉÓÍÎ ÚÍÖÈÔÓÉÉ×ÙÈÓÍÎÔÛÆ×Ú××ÎÉÛÈÓÉÖÓ×ØÈÔ×ÌÇÊÙÔÛÉ×ÊÓÉÐÓÛÚÐ×ÓÎÛÎÛÏÍÇÎÈ ×ËÇÛÐÈÍÛÎÃÈÛÄÌ×ÎÛÐÈÃÛÎØÓÎÈ×Ê×ÉÈÅÔÓÙÔÈÔ×É×ÐÐ×ÊÅÍÇÐØÔÛÆ×Ú××Î Ê×ËÇÓÊ×ØÈÍÌÛÃÇÎØ×ÊÛÊÈÓÙÐ×ÍÖÈÔÓÉÙÔÛÌÈ×ÊÓÖÈÔ×É×ÐÐ×ÊÔÛØÎÍÈÏÛØ×Û Ø×ØÇÙÈÓÍÎÌÇÊÉÇÛÎÈÈÍÉÇÚÉ×ÙÈÓÍÎúÌÛÊÛÕÊÛÌÔÉÇÚØÓÆÓÉÓÍÎÚÍÖÈÔÓÉ É×ÙÈÓÍÎìÛÃÏ×ÎÈÍÖÈÔ×ÛÏÍÇÎÈÇÎØ×ÊÈÔÓÉÉÇÚÉ×ÙÈÓÍÎ×Ä×ÏÌÈÉÈÔ×ÌÇÊÙÔÛÉ×Ê ÖÊÍÏÐÓÛÚÓÐÓÈÃÖÍÊÛÎÃÈÛÄÓÏÌÍÉ×ØÇÎØ×ÊÛÊÈÓÙÐ×ÍÖÈÔÓÉÙÔÛÌÈ×ÊÛÎØ Ê×ÐÛÈ×ØÈÍÈÔ×ÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÌÇÊÙÔÛÉ×ØèÔ×ÛÏÍÇÎÈÉÔÛÐÐÚ× ÈÊ×ÛÈ×ØÛÉÈÊÛÎÉÛÙÈÓÍÎÌÊÓÆÓÐ×Õ×ÈÛÄÈÍÈÔ×ÌÇÊÙÔÛÉ×ÊÛÎØÛÉÈÛÄÊ×Æ×ÎÇ×É ÙÍÐÐ×ÙÈ×ØÖÊÍÏÈÔ×É×ÐÐ×ÊÈÍØ×ÉÓÕÎÛÈ×ÈÔ×ØÓÉÈÊÓÚÇÈÓÍÎÚÛÉ×ÌÇÊÉÇÛÎÈÈÍ É×ÙÈÓÍÎ èöÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÉ×ÙÈÓÍÎ ÈÔ×Ø×ÌÛÊÈÏ×ÎÈÉÔÛÐÐ É×ÌÛÊÛÈ×ÐÃÛÙÙÍÇÎÈÖÍÊÊ×Æ×ÎÇ×ÉÙÍÐÐ×ÙÈ×ØÇÎØ×ÊÈÔ×Ê×ÈÛÓÐÙÐÛÉÉÓÖÓÙÛÈÓÍÎ ÖÊÍÏÚÇÉÓÎ×ÉÉ×ÉÉ×ÐÐÓÎÕÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÛÈÊ×ÈÛÓÐ íÎÈÔ×ÌÊ×ÏÓÉ×ÉÍÖÛÏÇÐÈÓÌÇÊÌÍÉ×ÖÛÙÓÐÓÈÃÈÔÛÈÓÉÍÅÎ×ØÐ×ÛÉ×ØÍÊ ÍÌ×ÊÛÈ×ØÚÃÈÔ×ÈÍÇÊÓÉÏÛÎØÉÌÍÊÈÉÛÇÈÔÍÊÓÈÃÌÇÊÉÇÛÎÈÈÍÈÓÈÐ×ÙÔÛÌÈ×Ê Study Session - March 13, 2013 - Page 77 of 125 ôú ûÈÌÊÍÖ×ÉÉÓÍÎÛÐÖÍÍÈÚÛÐÐÙÍÎÈ×ÉÈÉÈÔÛÈÛÊ×Ô×ÐØÓÎÛÉÈÛØÓÇÏ ÐÍÙÛÈ×ØÍÎÈÔ×ÙÛÏÌÇÉÍÖÛÎÓÎÉÈÓÈÇÈÓÍÎÇÎØ×ÊÈÔ×ÒÇÊÓÉØÓÙÈÓÍÎÍÖÈÔ×ûÊÓÂÍÎÛ ÚÍÛÊØÍÖÊ×Õ×ÎÈÉ çóÎÙÍÏÌÇÈÓÎÕÈÔ×ÈÛÄÚÛÉ×ÖÍÊÈÔ×ÉÛÐ×ÍÖÛÏÍÈÍÊÆ×ÔÓÙÐ×ÈÍÛ ÎÍÎÊ×ÉÓØ×ÎÈÍÖÈÔÓÉÉÈÛÈ×ÓÖÈÔ×ÌÇÊÙÔÛÉ×ÊÉÉÈÛÈ×ÍÖÊ×ÉÓØ×ÎÙ×ÛÐÐÍÅÉÛ ÙÍÊÊ×ÉÌÍÎØÓÎÕÇÉ×ÈÛÄ×Ä×ÏÌÈÓÍÎÈÍÈÔ×ÈÛÄÓÏÌÍÉ×ØÚÃÛÊÈÓÙÐ×ÍÖÈÔÓÉ ÙÔÛÌÈ×ÊÛÎØÈÔ×ÊÛÈ×ÍÖÈÔ×ÈÛÄÓÎÈÔ×ÌÇÊÙÔÛÉ×ÊÉÉÈÛÈ×ÍÖÊ×ÉÓØ×ÎÙ×ÓÉ ÐÍÅ×ÊÈÔÛÎÈÔ×ÊÛÈ×ÌÊ×ÉÙÊÓÚ×ØÓÎÛÊÈÓÙÐ×ÍÖÈÔÓÉÙÔÛÌÈ×ÊÍÊÓÖÈÔ× ÌÇÊÙÔÛÉ×ÊÉÉÈÛÈ×ÍÖÊ×ÉÓØ×ÎÙ×ØÍ×ÉÎÍÈÓÏÌÍÉ×ÛÎ×ÄÙÓÉ×ÈÛÄÛÎØÈÔ× ÎÍÎÊ×ÉÓØ×ÎÈÔÛÉÉ×ÙÇÊ×ØÛÉÌ×ÙÓÛÐÎÓÎ×ÈÃØÛÃÎÍÎÊ×ÉÓØ×ÎÈÊ×ÕÓÉÈÊÛÈÓÍÎÌ×ÊÏÓÈ ÖÍÊÈÔ×Æ×ÔÓÙÐ×ÛÉÌÊ×ÉÙÊÓÚ×ØÚÃÉ×ÙÈÓÍÎÉ ÛÎØ ÈÔ×Ê×ÉÔÛÐÐ Ú×Ø×ØÇÙÈ×ØÖÊÍÏÈÔ×ÈÛÄÚÛÉ×ÛÌÍÊÈÓÍÎÍÖÈÔ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÊÕÊÍÉÉÓÎÙÍÏ× ÖÊÍÏÈÔ×ÉÛÐ×ÉÍÈÔÛÈÈÔ×ÛÏÍÇÎÈÍÖÈÊÛÎÉÛÙÈÓÍÎÌÊÓÆÓÐ×Õ×ÈÛÄÈÔÛÈÓÉÌÛÓØÓÎ ÈÔÓÉÉÈÛÈ×ÓÉ×ËÇÛÐÈÍÈÔ××ÄÙÓÉ×ÈÛÄÈÔÛÈÓÉÓÏÌÍÉ×ØÚÃÈÔ×ÌÇÊÙÔÛÉ×ÊÉ ÉÈÛÈ×ÍÖÊ×ÉÓØ×ÎÙ×ÍÎÈÔ×ÎÍÎ×Ä×ÏÌÈÉÛÐ×ÍÊÇÉ×ÍÖÈÔ×ÏÍÈÍÊÆ×ÔÓÙÐ× æèô÷éûð÷íöèûîõóúð÷ì÷êéíîûðìêíì÷êèãèíûùíîèêûùèíêê÷õûêøð÷éé íöåô÷èô÷êóèåóððú÷óîùíêìíêûè÷øóîèíûúçóðøóîõíêéèêçùèçê÷óé ùíîéóø÷ê÷øèíú÷ûéûð÷ûèê÷èûóðûîøóééçúò÷ùèèíèûäûèóíîçîø÷êèôóé é÷ùèóíîçîð÷ééèô÷ùíîèêûùèíêìêíæóø÷éèíèô÷ê÷èûóð÷êûù÷êèóöóùûè÷èôûèóé éóõî÷øúãèô÷íåî÷êíöèô÷ìêíì÷êèãèíú÷óïìêíæ÷øûîøèôûèéèûè÷éèôûèèô÷ ì÷êéíîûðìêíì÷êèãìçêùôûé÷øúãèô÷ùíîèêûùèíêåóððú÷çé÷øöíêûìçêìíé÷ óø÷îèóöó÷øóîéçúé÷ùèóíîûíêúíöèôóéé÷ùèóíîóöûì÷êéíîåôíóéóîèô÷ úçéóî÷ééíöé÷ððóîõèûîõóúð÷ì÷êéíîûðìêíì÷êèãûèê÷èûóðûðéí÷îõûõ÷éóî úçéóî÷ééûéûùíîèêûùèíêûîøê÷ïíæ÷éèûîõóúð÷ì÷êéíîûðìêíì÷êèãöêíïê÷èûóð éèíùñöíêçé÷óîùíîèêûùèóîõûùèóæóèó÷éèô÷ìçêùôûé÷ìêóù÷íöèôûèì÷êéíîûð ìêíì÷êèãóééçúò÷ùèèíçé÷èûäçîø÷êé÷ùèóíî æ åöÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÈÔÓÉÉ×ÙÈÓÍÎ ûÓÊÙÊÛÖÈÓÎÙÐÇØ×É ÛûÎÛÓÊÌÐÛÎ×ÖÐÓÕÔÈÉÓÏÇÐÛÈÍÊÈÔÛÈÓÉÛÌÌÊÍÆ×ØÚÃÈÔ×Ö×Ø×ÊÛÐ ÛÆÓÛÈÓÍÎÛØÏÓÎÓÉÈÊÛÈÓÍÎÖÍÊÇÉ×ÛÉÛÌÔÛÉ×óóÍÊÔÓÕÔ×ÊÖÐÓÕÔÈÉÓÏÇÐÛÈÍÊ ÇÎØ×ÊÛÌÌ×ÎØÓÄôùÍØ×ÍÖö×Ø×ÊÛÐê×ÕÇÐÛÈÓÍÎÉÌÛÊÈ ÚèÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÈÔÛÈÓÉÌ×ÊÏÛÎ×ÎÈÐÃÛÖÖÓÄ×ØÍÊÛÈÈÛÙÔ×Ø ÛÉÛÙÍÏÌÍÎ×ÎÈÌÛÊÈÍÖÛÎÛÓÊÙÊÛÖÈÈÔÛÈÓÉÍÅÎ×ØÍÊÍÌ×ÊÛÈ×ØÚÃÛ Ù×ÊÈÓÖÓÙÛÈ×ØÍÊÐÓÙ×ÎÉ×ØÙÛÊÊÓ×ÊÍÖÌ×ÊÉÍÎÉÍÊÌÊÍÌ×ÊÈÃ íÈÔ×ÊÛÙÙ×ÉÉÍÊÓ×ÉÛÎØÊ×ÐÛÈ×Ø×ËÇÓÌÏ×ÎÈÓÎÙÐÇØ×ÉÛÓÊÙÊÛÖÈ ÛÙÙ×ÉÉÍÊÓ×ÉÛÎØ×ËÇÓÌÏ×ÎÈÉÇÙÔÛÉÕÊÍÇÎØÉ×ÊÆÓÙ××ËÇÓÌÏ×ÎÈÈÔÛÈÌÔÃÉÓÙÛÐÐÃ ÙÍÎÈÛÙÈÛÓÊÙÊÛÖÈÛÈÉÍÏ×ÌÍÓÎÈØÇÊÓÎÕÈÔ×ÍÆ×ÊÛÐÐÙÛÊÊÓ×ÊÍÌ×ÊÛÈÓÍÎ é×ÐÐÓÎÕÛÈÊ×ÈÛÓÐÏ×ÛÎÉÛÉÛÐ×ÖÍÊÛÎÃÌÇÊÌÍÉ×ÍÈÔ×ÊÈÔÛÎÖÍÊ Ê×ÉÛÐ×ÓÎÈÔ×Ê×ÕÇÐÛÊÙÍÇÊÉ×ÍÖÚÇÉÓÎ×ÉÉÓÎÈÔ×ÖÍÊÏÍÖÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐ ÌÊÍÌ×ÊÈÃÚÇÈÈÊÛÎÉÖ×ÊÍÖÌÍÉÉ×ÉÉÓÍÎÐ×ÛÉ×ÛÎØÊ×ÎÈÛÐÛÉÇÉ×ØÓÎÈÔ× Ø×ÖÓÎÓÈÓÍÎÍÖÉÛÐ×Ï×ÛÎÍÎÐÃÉÇÙÔÈÊÛÎÉÛÙÈÓÍÎÉÛÉÛÊ×ÖÍÇÎØÍÎÓÎÆ×ÉÈÓÕÛÈÓÍÎ ÈÍÚ×ÓÎÐÓ×ÇÍÖÉÛÐ×ÉÛÉØ×ÖÓÎ×ØÅÓÈÔÍÇÈÈÔ×ÅÍÊØÉÐ×ÛÉ×ÍÊÊ×ÎÈÛÐ Study Session - March 13, 2013 - Page 78 of 125 ôú åäöÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÉÇÚÉ×ÙÈÓÍÎòÍÖÈÔÓÉÉ×ÙÈÓÍÎ ûÉÉ×ÏÚÐ×ÊÏ×ÛÎÉÛÌ×ÊÉÍÎÅÔÍÇÎÓÈ×ÉÍÊÙÍÏÚÓÎ×ÉÌÊÍØÇÙÈÉÅÛÊ×É ÍÊÛÊÈÓÙÐ×ÉÍÖÏÛÎÇÖÛÙÈÇÊ×ÉÍÛÉÈÍÌÊÍØÇÙ×ÛÙÔÛÎÕ×ÓÎÖÍÊÏÍÊÉÇÚÉÈÛÎÙ× ÅÓÈÔÍÇÈÙÔÛÎÕÓÎÕÍÊÛÐÈ×ÊÓÎÕÈÔ×ÙÍÏÌÍÎ×ÎÈÌÛÊÈÉ ïÛÎÇÖÛÙÈÇÊ×ÊÏ×ÛÎÉÛÌ×ÊÉÍÎÅÔÍÓÉÌÊÓÎÙÓÌÛÐÐÃ×ÎÕÛÕ×ØÓÎÈÔ× ÖÛÚÊÓÙÛÈÓÍÎÌÊÍØÇÙÈÓÍÎÍÊÏÛÎÇÖÛÙÈÇÊ×ÍÖÌÊÍØÇÙÈÉÅÛÊ×ÉÍÊÛÊÈÓÙÐ×ÉÖÍÊÇÉ× ÖÊÍÏÊÛÅÍÊÌÊ×ÌÛÊ×ØÏÛÈ×ÊÓÛÐÉÓÏÌÛÊÈÓÎÕÈÍÈÔÍÉ×ÏÛÈ×ÊÓÛÐÉÎ×ÅÖÍÊÏÉ ËÇÛÐÓÈÓ×ÉÌÊÍÌ×ÊÈÓ×ÉÛÎØÙÍÏÚÓÎÛÈÓÍÎÉ ïÍØÓÖÓ×ÊÏ×ÛÎÉÛÌ×ÊÉÍÎÅÔÍÊ×ÅÍÊÑÉÙÔÛÎÕ×ÉÍÊÛØØÉÈÍÌÊÍØÇÙÈÉ ÅÛÊ×ÉÍÊÛÊÈÓÙÐ×ÉÍÖÏÛÎÇÖÛÙÈÇÊ× íÆ×ÊÔ×ÛØÏÛÈ×ÊÓÛÐÉÏ×ÛÎÉÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÈÔ×ÕÊÍÉÉ ÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ×Ø×ÊÓÆ×ØÖÊÍÏÈÔÛÈÅÍÇÐØÍÈÔ×ÊÅÓÉ×Ú× ÓÎÙÐÇØ×ØÓÎÈÔ×Ê×ÈÛÓÐÙÐÛÉÉÓÖÓÙÛÈÓÍÎÛÎØÈÔÛÈÛÊ×ÇÉ×ØÍÊÙÍÎÉÇÏ×ØÓÎÈÔ× Ì×ÊÖÍÊÏÛÎÙ×ÍÖÛÙÍÎÈÊÛÙÈÈÔ×ÙÍÉÈÍÖÅÔÓÙÔÓÉÙÔÛÊÕ×ØÈÍÛÎÍÆ×ÊÔ×ÛØ ×ÄÌ×ÎÉ×ÛÙÙÍÇÎÈÛÎØÛÐÐÍÙÛÈ×ØÈÍÆÛÊÓÍÇÉÙÍÎÈÊÛÙÈÉÚÛÉ×ØÍÎÕ×Î×ÊÛÐÐÃ ÛÙÙ×ÌÈ×ØÛÙÙÍÇÎÈÓÎÕÌÊÓÎÙÓÌÐ×ÉÛÎØÙÍÎÉÓÉÈ×ÎÈÅÓÈÔÕÍÆ×ÊÎÏ×ÎÈÙÍÎÈÊÛÙÈ ÛÙÙÍÇÎÈÓÎÕÉÈÛÎØÛÊØÉ ê×ÌÛÓÊ×ÊÏ×ÛÎÉÛÌ×ÊÉÍÎÅÔÍÊ×ÉÈÍÊ×ÉÍÊÊ×Î×ÅÉÌÊÍØÇÙÈÉÅÛÊ×ÉÍÊ ÛÊÈÓÙÐ×ÉÍÖÏÛÎÇÖÛÙÈÇÊ× éÇÚÙÍÎÈÊÛÙÈÏ×ÛÎÉÛÎÛÕÊ××Ï×ÎÈÚ×ÈÅ××ÎÛÙÍÎÈÊÛÙÈÍÊÛÎØÛÎÃ Ì×ÊÉÍÎÅÔÍÓÉÎÍÈÛÎ×ÏÌÐÍÃ××ÍÖÈÔ×ÙÍÎÈÊÛÙÈÍÊÖÍÊÖÇÊÎÓÉÔÓÎÕÍÖÉÇÌÌÐÓ×ÉÍÊ É×ÊÆÓÙ×ÉÈÔÛÈÓÎÅÔÍÐ×ÍÊÓÎÌÛÊÈÛÊ×Î×Ù×ÉÉÛÊÃÈÍÈÔ×Ì×ÊÖÍÊÏÛÎÙ×ÍÖÍÎ× ÍÊÏÍÊ×ÕÍÆ×ÊÎÏ×ÎÈÙÍÎÈÊÛÙÈÉÍÊÇÎØ×ÊÅÔÓÙÔÛÎÃÌÍÊÈÓÍÎÍÖÈÔ×ÙÍÎÈÊÛÙÈÍÊÉ ÍÚÐÓÕÛÈÓÍÎÇÎØ×ÊÍÎ×ÍÊÏÍÊ×ÕÍÆ×ÊÎÏ×ÎÈÙÍÎÈÊÛÙÈÉÓÉÌ×ÊÖÍÊÏ×ØÇÎØ×ÊÈÛÑ×ÎÍÊ ÛÉÉÇÏ×ØÛÎØÈÔÛÈÓÎÙÐÇØ×ÉÌÊÍÆÓÉÓÍÎÉÙÛÇÉÓÎÕÈÓÈÐ×ÈÍÍÆ×ÊÔ×ÛØÏÛÈ×ÊÓÛÐÉÍÊ ÍÈÔ×ÊÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÇÉ×ØÓÎÈÔ×Ì×ÊÖÍÊÏÛÎÙ×ÍÖÈÔ×ÉÇÚÙÍÎÈÊÛÙÈ ÈÍÌÛÉÉÈÍÈÔ×ÕÍÆ×ÊÎÏ×ÎÈÍÊÈÔÛÈÓÎÙÐÇØ×ÉÌÊÍÆÓÉÓÍÎÉÓÎÙÍÊÌÍÊÛÈÓÎÕÉÇÙÔ ÈÓÈÐ×ÌÛÉÉÓÎÕÙÐÛÇÉ×ÉÓÎÛÕÍÆ×ÊÎÏ×ÎÈÙÍÎÈÊÛÙÈÓÎÈÍÈÔ×ÉÇÚÙÍÎÈÊÛÙÈöíêèô÷ ìçêìíé÷éíöèôóéìûêûõêûìôùíîèêûùèíêôûéóèéíêøóîûêãûîøùíïïíîï÷ûîóîõ ûîøøí÷éîíèôûæ÷èô÷ï÷ûîóîõìê÷éùêóú÷øúãé÷ùèóíî é×Ùé×ÙÈÓÍÎ ûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÓÉÛÏ×ÎØ×ØÈÍ Ê×ÛØ ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÊ×ÎÈÛÐÙÐÛÉÉÓÖÓÙÛÈÓÍÎ ûèÔ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÊ×ÎÈÛÐÙÐÛÉÉÓÖÓÙÛÈÓÍÎÓÉÙÍÏÌÊÓÉ×ØÍÖÈÔ× ÚÇÉÓÎ×ÉÉÍÖÐ×ÛÉÓÎÕÍÊÊ×ÎÈÓÎÕÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÖÍÊÛ ÙÍÎÉÓØ×ÊÛÈÓÍÎèÔ×ÈÛÄØÍ×ÉÎÍÈÛÌÌÐÃÈÍ ð×ÛÉÓÎÕÍÊÊ×ÎÈÓÎÕÖÓÐÏÉÈÛÌ×ÉÍÊÉÐÓØ×ÉÇÉ×ØÚÃÈÔ×ÛÈ×ÊÉÍÊ ÏÍÆÓ×ÉÅÔÓÙÔÛÊ××ÎÕÛÕ×ØÓÎÚÇÉÓÎ×ÉÉÇÎØ×ÊÈÔ×ÛÏÇÉ×Ï×ÎÈÙÐÛÉÉÓÖÓÙÛÈÓÍÎÍÊ ÇÉ×ØÚÃÈ×Ð×ÆÓÉÓÍÎÉÈÛÈÓÍÎÉÍÊÊÛØÓÍÉÈÛÈÓÍÎÉ ûÙÈÓÆÓÈÓ×É×ÎÕÛÕ×ØÓÎÚÃÈÔ×ûÊÓÂÍÎÛ×ÄÌÍÉÓÈÓÍÎÛÎØÉÈÛÈ×ÖÛÓÊ ÚÍÛÊØÍÊÙÍÇÎÈÃÖÛÓÊÙÍÏÏÓÉÉÓÍÎÉÓÎÙÍÎÎ×ÙÈÓÍÎÅÓÈÔ×Æ×ÎÈÉÉÌÍÎÉÍÊ×ØÚÃÉÇÙÔ ×ÎÈÓÈÓ×É ð×ÛÉÓÎÕÍÊÊ×ÎÈÓÎÕÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÚÃÛÌÛÊ×ÎÈ ÙÍÊÌÍÊÛÈÓÍÎÈÍÛÉÇÚÉÓØÓÛÊÃÙÍÊÌÍÊÛÈÓÍÎÍÊÚÃÛÉÇÚÉÓØÓÛÊÃÙÍÊÌÍÊÛÈÓÍÎÈÍ ÛÎÍÈÔ×ÊÉÇÚÉÓØÓÛÊÃÍÖÈÔ×ÉÛÏ×ÌÛÊ×ÎÈÙÍÊÌÍÊÛÈÓÍÎÓÖÈÛÄ×ÉÅ×Ê×ÌÛÓØÇÎØ×Ê Study Session - March 13, 2013 - Page 79 of 125 ôú ÈÔÓÉÙÔÛÌÈ×ÊÍÎÈÔ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÊÕÊÍÉÉÓÎÙÍÏ×ÛÙÙÊÇÓÎÕÖÊÍÏÈÔ×ÓÎÓÈÓÛÐ ÉÛÐ×ÍÖÈÔ×ÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃöÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÈÔÓÉÌÛÊÛÕÊÛÌÔ ÉÇÚÉÓØÓÛÊÃÏ×ÛÎÉÛÙÍÊÌÍÊÛÈÓÍÎÍÖÅÔÓÙÔÛÈÐ×ÛÉÈ×ÓÕÔÈÃÌ×ÊÙ×ÎÈÍÖÈÔ× ÆÍÈÓÎÕÉÔÛÊ×ÉÛÊ×ÍÅÎ×ØÚÃÈÔ×ÌÛÊ×ÎÈÙÍÊÌÍÊÛÈÓÍÎ íÌ×ÊÛÈÓÎÕÙÍÓÎÍÌ×ÊÛÈ×ØÅÛÉÔÓÎÕØÊÃÓÎÕÛÎØØÊÃÙÐ×ÛÎÓÎÕÏÛÙÔÓÎ×É ÍÊÙÍÓÎÍÌ×ÊÛÈ×ØÙÛÊÅÛÉÔÓÎÕÏÛÙÔÓÎ×ÉÛÈ×ÉÈÛÚÐÓÉÔÏ×ÎÈÉÖÍÊÈÔ×ÇÉ×ÍÖÉÇÙÔ ÏÛÙÔÓÎ×É ð×ÛÉÓÎÕÍÊÊ×ÎÈÓÎÕÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÖÍÊÓÎÙÍÊÌÍÊÛÈÓÍÎ ÓÎÈÍÍÊÙÍÏÌÊÓÉÓÎÕÛÎÃÌÛÊÈÍÖÛËÇÛÐÓÖÓ×Ø×ÎÆÓÊÍÎÏ×ÎÈÛÐÈ×ÙÔÎÍÐÍÕÃÖÛÙÓÐÓÈÃ ÛÉØ×ÉÙÊÓÚ×ØÓÎÉ×ÙÈÓÍÎ èÔÓÉÌÛÊÛÕÊÛÌÔÉÔÛÐÐÛÌÌÐÃÖÍÊÈ×ÎÖÇÐÐ ÙÍÎÉ×ÙÇÈÓÆ×ÙÛÐ×ÎØÛÊÍÊÖÓÉÙÛÐÃ×ÛÊÉÖÍÐÐÍÅÓÎÕÈÔ×ÓÎÓÈÓÛÐÐ×ÛÉ×ÍÊÊ×ÎÈÛÐÚÃ ×ÛÙÔËÇÛÐÓÖÓ×Ø×ÎÆÓÊÍÎÏ×ÎÈÛÐÈ×ÙÔÎÍÐÍÕÃÏÛÎÇÖÛÙÈÇÊ×ÊÌÊÍØÇÙ×ÊÍÊÌÊÍÙ×ÉÉÍÊ ð×ÛÉÓÎÕÍÊÊ×ÎÈÓÎÕÛÓÊÙÊÛÖÈÖÐÓÕÔÈÉÓÏÇÐÛÈÍÊÉÍÊÉÓÏÓÐÛÊÈÊÛÓÎÓÎÕ ×ËÇÓÌÏ×ÎÈÈÍÉÈÇØ×ÎÈÉÍÊÉÈÛÖÖÚÃÎÍÎÌÊÍÖÓÈÛÙÙÊ×ØÓÈ×Ø×ØÇÙÛÈÓÍÎÛÐ ÓÎÉÈÓÈÇÈÓÍÎÉÈÔÛÈÍÖÖ×ÊÛÉÉÍÙÓÛÈ×ÍÊÚÛÙÙÛÐÛÇÊ×ÛÈ×Ø×ÕÊ××ÉÓÎÛÆÓÛÈÓÍÎÍÊ Û×ÊÍÉÌÛÙ×Ê×ÐÛÈ×ØÖÓ×ÐØÉ ð×ÛÉÓÎÕÍÊÊ×ÎÈÓÎÕÌÔÍÈÍÕÊÛÌÔÉÈÊÛÎÉÌÛÊ×ÎÙÓ×ÉÍÊÍÈÔ×ÊÙÊ×ÛÈÓÆ× ÅÍÊÑÉÇÉ×ØÚÃÈÔÓÉÉÈÛÈ×ÍÎÓÎÈ×ÊÎ×ÈÅ×ÚÉÓÈ×Éå÷úéóè÷éÓÎÏÛÕÛÂÓÎ×ÉÍÊÓÎ ÍÈÔ×ÊÌÇÚÐÓÙÛÈÓÍÎÉÈÔÛÈ×ÎÙÍÇÊÛÕ×ÈÍÇÊÓÉÏ úèÔ×ÈÛÄÚÛÉ×ÖÍÊÈÔ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÊ×ÎÈÛÐÙÐÛÉÉÓÖÓÙÛÈÓÍÎÓÉÈÔ× ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ×Ø×ÊÓÆ×ØÖÊÍÏÈÔ×ÚÇÉÓÎ×ÉÉÚÇÈÈÔ× ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ×Ø×ÊÓÆ×ØÖÊÍÏÈÔ×ÖÍÐÐÍÅÓÎÕÉÔÛÐÐÚ× Ø×ØÇÙÈ×ØÖÊÍÏÈÔ×ÈÛÄÚÛÉ× ê×ÓÏÚÇÊÉ×Ï×ÎÈÉÚÃÈÔ×Ð×ÉÉ××ÈÍÈÔ×Ð×ÉÉÍÊÍÖÛÏÍÈÍÊÆ×ÔÓÙÐ×ÖÍÊ ÌÛÃÏ×ÎÈÉÚÃÈÔ×Ð×ÉÉÍÊÍÖÈÔ×ÛÌÌÐÓÙÛÚÐ×Ö××ÉÛÎØÈÛÄ×ÉÓÏÌÍÉ×ØÚÃÉ×ÙÈÓÍÎÉ ÛÎØ ÈÓÈÐ× ÙÔÛÌÈ×Ê ÛÊÈÓÙÐ× ÛÎØÛÊÈÓÙÐ×óäÉ×ÙÈÓÍÎùÍÎÉÈÓÈÇÈÓÍÎÍÖûÊÓÂÍÎÛÈÍÈÔ××ÄÈ×ÎÈ ÉÇÙÔÛÏÍÇÎÈÉÛÊ×É×ÌÛÊÛÈ×ÐÃÓØ×ÎÈÓÖÓ×ØÛÉÉÇÙÔÖ××ÉÛÎØÈÛÄ×ÉÛÎØÛÊ×ÚÓÐÐ×Ø ÈÍÈÔ×Ð×ÉÉ×× ÅÔÓÙÔèôûèÓÖÓÈ ÔÛØÚ××ÎÌÇÊÙÔÛÉ×ØÓÎÉÈ×ÛØÍÖÐ×ÛÉ×ØÍÊÊ×ÎÈ×ØÚÃÈÔ×Ð×ÉÉ××ÅÍÇÐØÔÛÆ×Ú××Î ×Ä×ÏÌÈÇÎØ×Ê Ûé×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎûÌÛÊÛÕÊÛÌÔ ÍÊ Úé×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎú×ÄÙ×ÌÈÈÔÛÈÛÐ×ÛÉ×ÍÊÊ×ÎÈÛÐÍÖ Î×ÅÏÛÙÔÓÎ×ÊÃÍÊ×ËÇÓÌÏ×ÎÈÓÉÎÍÈ×Ä×ÏÌÈÌÇÊÉÇÛÎÈÈÍ Óé×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎúÌÛÊÛÕÊÛÌÔ ÓÖÈÔ×Ð×ÛÉ×ÓÉÖÍÊ Ð×ÉÉÈÔÛÎÈÅÍÃ×ÛÊÉ ÓÓé×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎúÌÛÊÛÕÊÛÌÔ Ùé×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎòÌÛÊÛÕÊÛÌÔ Øé×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎî ïÍÈÍÊÆ×ÔÓÙÐ×ÖÇ×ÐÛÎØÇÉ×ÖÇ×ÐÈÔÛÈÛÊ×ÉÇÚÒ×ÙÈÈÍÛÈÛÄÓÏÌÍÉ×Ø ÇÎØ×ÊÈÓÈÐ× ÙÔÛÌÈ×ÊÛÊÈÓÙÐ×ÉÛÐ×ÉÍÖÇÉ×ÖÇ×ÐÈÍÛÔÍÐØ×ÊÍÖÛ ÆÛÐÓØÉÓÎÕÐ×ÈÊÓÌÇÉ×ÖÇ×ÐÈÛÄÌ×ÊÏÓÈÓÉÉÇ×ØÇÎØ×ÊÉ×ÙÈÓÍÎ ÛÎØÉÛÐ×É ÍÖÛÆÓÛÈÓÍÎÖÇ×ÐÈÔÛÈÛÊ×ÉÇÚÒ×ÙÈÈÍÈÔ×ÈÛÄÓÏÌÍÉ×ØÇÎØ×ÊÉ×ÙÈÓÍÎ Study Session - March 13, 2013 - Page 80 of 125 ôú ð×ÛÉÓÎÕÍÊÊ×ÎÈÓÎÕÛÏÍÈÍÊÆ×ÔÓÙÐ×ÉÇÚÒ×ÙÈÈÍÛÎØÇÌÍÎÅÔÓÙÔÈÔ× Ö××ÔÛÉÚ××ÎÌÛÓØÇÎØ×ÊÈÓÈÐ× ÙÔÛÌÈ×ÊÛÊÈÓÙÐ× ûÏÍÇÎÈÉÊ×Ù×ÓÆ×ØÚÃÛÏÍÈÍÊÆ×ÔÓÙÐ×Ø×ÛÐ×ÊÖÍÊÈÔ×ÖÓÊÉÈÏÍÎÈÔÍÖÛ Ð×ÛÉ×ÌÛÃÏ×ÎÈÓÖÈÔ×Ð×ÛÉ×ÛÎØÈÔ×Ð×ÛÉ×ÌÛÃÏ×ÎÈÖÍÊÈÔ×ÖÓÊÉÈÏÍÎÈÔÍÖÈÔ× Ð×ÛÉ×ÛÊ×ÈÊÛÎÉÖ×ÊÊ×ØÈÍÛÈÔÓÊØÌÛÊÈÃÐ×ÛÉÓÎÕÙÍÏÌÛÎÃ ùéÛÐ×ÉÍÖÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÈÍÚ×Ð×ÛÉ×ØÍÊÊ×ÎÈ×ØÈÍÛ Ì×ÊÉÍÎ×ÎÕÛÕ×ØÓÎÛÚÇÉÓÎ×ÉÉÙÐÛÉÉÓÖÓ×ØÇÎØ×ÊÈÔ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÊ×ÎÈÛÐ ÙÐÛÉÉÓÖÓÙÛÈÓÍÎÛÊ×Ø××Ï×ØÈÍÚ×Ê×ÉÛÐ×ÉÛÐ×É øóÎÙÍÏÌÇÈÓÎÕÈÔ×ÈÛÄÚÛÉ×ÈÔ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉ ÓÎÙÍÏ×ÖÊÍÏÈÔ×Ð×ÛÉ×ÍÊÊ×ÎÈÛÐÍÖÛÏÍÈÍÊÆ×ÔÓÙÐ×ØÍ×ÉÎÍÈÓÎÙÐÇØ×ÛÎÃ ÛÏÍÇÎÈÛÈÈÊÓÚÇÈÛÚÐ×ÈÍÈÔ×ÙÛÊÊ×ÎÈÛÐÉÇÊÙÔÛÊÕ×ÇÎØ×ÊÉ×ÙÈÓÍÎ ÍÊ ÷çÎÈÓÐø×Ù×ÏÚ×Ê Ð×ÛÉÓÎÕÍÊÊ×ÎÈÓÎÕÛÎÓÏÛÐÉÖÍÊ Ê×ÙÊ×ÛÈÓÍÎÛÐÌÇÊÌÍÉ×ÉÓÉ×Ä×ÏÌÈÖÊÍÏÈÔ×ÈÛÄÓÏÌÍÉ×ØÚÃÈÔÓÉÉ×ÙÈÓÍÎ ú×ÕÓÎÎÓÎÕòÛÎÇÛÊÃÈÔ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÊÕÊÍÉÉÓÎÙÍÏ×ÖÊÍÏÐ×ÛÉÓÎÕÍÊ Ê×ÎÈÓÎÕÛÎÓÏÛÐÉÖÍÊÊ×ÙÊ×ÛÈÓÍÎÛÐÌÇÊÌÍÉ×ÉÓÉÉÇÚÒ×ÙÈÈÍÈÛÄÛÈÓÍÎÇÎØ×ÊÈÔÓÉ É×ÙÈÓÍÎèÛÄÐÓÛÚÓÐÓÈÓ×ÉÌ×ÎÛÐÈÓ×ÉÛÎØÓÎÈ×Ê×ÉÈÌÛÓØÖÍÊÈÛÄÛÚÐ×Ì×ÊÓÍØÉ Ú×ÖÍÊ×òÛÎÇÛÊÃÉÔÛÐÐÎÍÈÚ×Ê×ÖÇÎØ×ØÇÎÐ×ÉÉÈÔ×ÈÛÄÌÛÃ×ÊÊ×ËÇ×ÉÈÓÎÕ ÈÔ×Ê×ÖÇÎØÌÊÍÆÓØ×ÉÌÊÍÍÖÉÛÈÓÉÖÛÙÈÍÊÃÈÍÈÔ×Ø×ÌÛÊÈÏ×ÎÈÈÔÛÈÈÔ×ÏÍÎÓ×ÉÌÛÓØ ÛÉÈÛÄ×ÉÅÓÐÐÚ×Ê×ÈÇÊÎ×ØÈÍÈÔ×ÙÇÉÈÍÏ×Ê é×Ùé×ÙÈÓÍÎ ûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÓÉÛÏ×ÎØ×ØÈÍ Ê×ÛØ ïÓÎÓÎÕÙÐÛÉÉÓÖÓÙÛÈÓÍÎØ×ÖÓÎÓÈÓÍÎ ûèÔ×ÏÓÎÓÎÕÙÐÛÉÉÓÖÓÙÛÈÓÍÎÓÉÙÍÏÌÊÓÉ×ØÍÖÈÔ×ÚÇÉÓÎ×ÉÉÍÖÏÓÎÓÎÕ ËÇÛÊÊÃÓÎÕÍÊÌÊÍØÇÙÓÎÕÖÍÊÉÛÐ×ÌÊÍÖÓÈÍÊÙÍÏÏ×ÊÙÓÛÐÇÉ×ÛÎÃ ÎÍÎÏ×ÈÛÐÐÓÖ×ÊÍÇÉÏÓÎ×ÊÛÐÌÊÍØÇÙÈÈÔÛÈÔÛÉÚ××ÎÏÓÎ×ØËÇÛÊÊÓ×ØÍÊÍÈÔ×ÊÅÓÉ× ×ÄÈÊÛÙÈ×ØÅÓÈÔÓÎÈÔ×ÚÍÇÎØÛÊÓ×ÉÍÖÈÔÓÉÉÈÛÈ×Ø×ÉÙÊÓÚ×ØÓÎÛÊÈÓÙÐ×óÉ×ÙÈÓÍÎ ùÍÎÉÈÓÈÇÈÓÍÎÍÖûÊÓÂÍÎÛ úèÔ×ÈÛÄÚÛÉ×ÖÍÊÈÔ×ÏÓÎÓÎÕÙÐÛÉÉÓÖÓÙÛÈÓÍÎÓÉÈÔ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÖ ÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ×Ø×ÊÓÆ×ØÖÊÍÏÈÔ×ÚÇÉÓÎ×ÉÉèÔ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×É ÍÊÕÊÍÉÉÓÎÙÍÏ×Ø×ÊÓÆ×ØÖÊÍÏÉÛÐ×ÉØ×ÉÙÊÓÚ×ØÇÎØ×ÊÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎûÌÛÊÛÕÊÛÌÔ ÛÎØÉÇÚÉ×ÙÈÓÍÎòÌÛÊÛÕÊÛÌÔ ÉÔÛÐÐÚ×Ø×ØÇÙÈ×Ø ÖÊÍÏÈÔ×ÈÛÄÚÛÉ× ùèÔ×ÈÛÄÚÛÉ×ÓÎÙÐÇØ×ÉÈÔ×ÆÛÐÇ×ÍÖÈÔ××ÎÈÓÊ×ÌÊÍØÇÙÈÏÓÎ×Ø ËÇÛÊÊÓ×ØÍÊÌÊÍØÇÙ×ØÖÍÊÉÛÐ×ÌÊÍÖÓÈÍÊÙÍÏÏ×ÊÙÓÛÐÇÉ×ÓÎÈÔÓÉÉÈÛÈ× Ê×ÕÛÊØÐ×ÉÉÍÖÈÔ×ÌÐÛÙ×ÍÖÉÛÐ×ÍÖÈÔ×ÌÊÍØÇÙÈÍÊÍÖÈÔ×ÖÛÙÈÈÔÛÈØ×ÐÓÆ×ÊÓ×É ÏÛÃÚ×ÏÛØ×ÈÍÌÍÓÎÈÉÅÓÈÔÍÇÈÈÔÓÉÉÈÛÈ×óÖÔÍÅ×Æ×ÊÈÔ×ÉÛÐ×ÌÊÓÙ×ÍÖÈÔ× ÌÊÍØÇÙÈÓÎÙÐÇØ×ÉÖÊ×ÓÕÔÈÈÔ×ÉÛÐ×ÌÊÓÙ×ÉÔÛÐÐÚ×Ê×ØÇÙ×ØÚÃÈÔ×ÛÙÈÇÛÐ ÖÊ×ÓÕÔÈÌÛÓØÚÃÛÎÃÌ×ÊÉÍÎÖÊÍÏÈÔ×ÌÐÛÙ×ÍÖÌÊÍØÇÙÈÓÍÎÈÍÈÔ×ÌÐÛÙ×ÍÖ Ø×ÐÓÆ×ÊÃ øóÎÈÔ×ÙÛÉ×ÍÖÛÌ×ÊÉÍÎ×ÎÕÛÕ×ØÓÎÚÇÉÓÎ×ÉÉÙÐÛÉÉÓÖÓ×ØÇÎØ×ÊÈÔ× ÏÓÎÓÎÕÙÐÛÉÉÓÖÓÙÛÈÓÍÎÛÐÐÍÊÌÛÊÈÍÖÅÔÍÉ×ÓÎÙÍÏ×ÓÉØ×ÊÓÆ×ØÖÊÍÏÉ×ÊÆÓÙ×ÍÊ ÏÛÎÇÖÛÙÈÇÊÓÎÕÙÔÛÊÕ×ÉÓÎÉÈ×ÛØÍÖÖÊÍÏÉÛÐ×ÉÍÖÈÔ×ÌÊÍØÇÙÈÉÏÛÎÇÖÛÙÈÇÊ×ØÍÊ ÔÛÎØÐ×ØÈÔ×ÈÛÄÚÛÉ×ÓÎÙÐÇØ×ÉÈÔ×ÕÊÍÉÉÓÎÙÍÏ×ÍÖÈÔ×Ì×ÊÉÍÎØ×ÊÓÆ×ØÖÊÍÏ ÈÔ×É×ÊÆÓÙ×ÍÊÏÛÎÇÖÛÙÈÇÊÓÎÕÙÔÛÊÕ× Study Session - March 13, 2013 - Page 81 of 125 ôú ÷óÖÛÌ×ÊÉÍÎ×ÎÕÛÕÓÎÕÓÎÚÇÉÓÎ×ÉÉÙÐÛÉÉÓÖÓ×ØÇÎØ×ÊÈÔ×ÏÓÎÓÎÕ ÙÐÛÉÉÓÖÓÙÛÈÓÍÎÉÔÓÌÉÍÊÈÊÛÎÉÌÍÊÈÉÛÐÐÍÊÌÛÊÈÍÖÛÌÊÍØÇÙÈÍÇÈÍÖÈÔÓÉÉÈÛÈ× ÅÓÈÔÍÇÈÏÛÑÓÎÕÉÛÐ×ÍÖÈÔ×ÌÊÍØÇÙÈÍÊÉÔÓÌÉÔÓÉÌÊÍØÇÙÈÍÇÈÉÓØ×ÍÖÈÔÓÉÉÈÛÈ× ÓÎÛÎÇÎÖÓÎÓÉÔ×ØÙÍÎØÓÈÓÍÎÈÔ×ÆÛÐÇ×ÍÖÈÔ×ÌÊÍØÇÙÈÍÊÛÊÈÓÙÐ×ÓÎÈÔ× ÙÍÎØÓÈÓÍÎÍÊÖÍÊÏÓÎÅÔÓÙÔÓÈ×ÄÓÉÈ×ØÅÔ×ÎÈÊÛÎÉÌÍÊÈ×ØÍÇÈÍÖÈÔÓÉÉÈÛÈ×ÛÎØ Ú×ÖÍÊ×ÓÈ×ÎÈ×ÊÉÓÎÈ×ÊÉÈÛÈ×ÙÍÏÏ×ÊÙ×ÓÉÓÎÙÐÇØ×ØÓÎÈÔ×ÈÛÄÚÛÉ×ÛÎØÈÔ× Ø×ÌÛÊÈÏ×ÎÈÉÔÛÐÐÌÊ×ÉÙÊÓÚ××ËÇÓÈÛÚÐ×ÛÎØÇÎÓÖÍÊÏÊÇÐ×ÉÖÍÊÛÉÙ×ÊÈÛÓÎÓÎÕÈÔÛÈ ÆÛÐÇ×óÎØ×È×ÊÏÓÎÓÎÕÈÔ×ÈÛÄÚÛÉ×ÓÖÈÔ×ÌÊÍØÇÙÈÍÊÛÎÃÌÛÊÈÍÖÈÔ× ÌÊÍØÇÙÈÔÛÉÚ××ÎÌÊÍÙ×ÉÉ×ØÓÎÈÔÓÉÉÈÛÈ×ÛÎØÈÔ×ÌÊÍÙ××ØÉÍÖÉÇÙÔÌÊÍÙ×ÉÉÓÎÕ ÔÛÆ×Ú××ÎÓÎÙÐÇØ×ØÓÎÈÔ×ÈÛÄÚÛÉ×ÍÖÈÔ×ÌÊÍÙ×ÉÉÍÊÇÎØ×ÊÈÔÓÉÙÔÛÌÈ×ÊÈÔ× Ì×ÊÉÍÎÏÛÃØ×ØÇÙÈÖÊÍÏÈÔ×ÆÛÐÇ×ÍÖÈÔ×ÌÊÍØÇÙÈÅÔ×ÎÈÊÛÎÉÌÍÊÈ×ØÍÇÈÍÖÈÔÓÉ ÉÈÛÈ×ÈÔ×ÙÍÉÈÍÖÉÇÙÔÌÊÍÙ×ÉÉÓÎÕ öûÌ×ÊÉÍÎÅÔÍÙÍÎØÇÙÈÉÛÚÇÉÓÎ×ÉÉÙÐÛÉÉÓÖÓ×ØÇÎØ×ÊÈÔ×ÏÓÎÓÎÕ ÙÐÛÉÉÓÖÓÙÛÈÓÍÎÏÛÃÚ×Ø××Ï×ØÛÐÉÍÈÍÚ××ÎÕÛÕ×ØÓÎÚÇÉÓÎ×ÉÉÙÐÛÉÉÓÖÓ×ØÇÎØ×Ê ÈÔ×Ê×ÈÛÓÐÙÐÛÉÉÓÖÓÙÛÈÓÍÎÈÍÈÔ××ÄÈ×ÎÈÈÔ×Ì×ÊÉÍÎÉÛÙÈÓÆÓÈÓ×ÉÙÍÏÌÊÓÉ× ÚÇÉÓÎ×ÉÉÇÎØ×ÊÈÔ×Ê×ÈÛÓÐÙÐÛÉÉÓÖÓÙÛÈÓÍÎÓÖÈÔ×ÈÛÄÓÉÌÛÓØÛÈÈÔ×ÊÛÈ× ÓÏÌÍÉ×ØÍÎÈÔ×Ê×ÈÛÓÐÙÐÛÉÉÓÖÓÙÛÈÓÍÎÚÃÉ×ÙÈÓÍÎ óÖÈÔ×ÈÊÛÎÉÛÙÈÓÍÎ ÓÉÎÍÈÉÇÚÒ×ÙÈÈÍÈÛÄÛÈÓÍÎÇÎØ×ÊÈÔ×Ê×ÈÛÓÐÙÐÛÉÉÓÖÓÙÛÈÓÍÎÈÔ×ÈÊÛÎÉÛÙÈÓÍÎ ÉÔÛÐÐÚ×ÓÎÙÐÇØ×ØÓÎÈÔ×ÈÛÄÚÛÉ×ÇÎØ×ÊÈÔÓÉÉ×ÙÈÓÍÎ õöÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÈÔÓÉÉ×ÙÈÓÍÎÎÍÎÏ×ÈÛÐÐÓÖ×ÊÍÇÉÏÓÎ×ÊÛÐ ÌÊÍØÇÙÈÏ×ÛÎÉÍÓÐÎÛÈÇÊÛÐÕÛÉÐÓÏ×ÉÈÍÎ×ÉÛÎØÕÊÛÆ×ÐÍÊÛÎÃÍÈÔ×Ê ÎÍÎÏ×ÈÛÐÐÓÖ×ÊÍÇÉÏÓÎ×ÊÛÐÌÊÍØÇÙÈÙÍÏÌÍÇÎØÍÊÙÍÏÚÓÎÛÈÓÍÎÍÖÎÍÎÏ×ÈÛÐÐÓÖ×ÊÍÇÉ ÏÓÎ×ÊÛÐÌÊÍØÇÙÈÉ é×Ùé×ÙÈÓÍÎ ûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÓÉÛÏ×ÎØ×ØÈÍ Ê×ÛØ ïÛÎÇÖÛÙÈÇÊ×ØÚÇÓÐØÓÎÕØ×ÛÐ×ÊÙÐÛÉÉÓÖÓÙÛÈÓÍÎ ×Ä×ÏÌÈÓÍÎÉØ×ÖÓÎÓÈÓÍÎÉ ûèÔ×ÌÊÓÏ×ÙÍÎÈÊÛÙÈÓÎÕïûîçöûùèçê÷øúçóðøóîõø÷ûð÷êÙÐÛÉÉÓÖÓÙÛÈÓÍÎ ÓÉÙÍÏÌÊÓÉ×ØÍÖÈÔ×ÚÇÉÓÎ×ÉÉÍÖÌÊÓÏ×ÙÍÎÈÊÛÙÈÓÎÕÛÎØØ×ÛÐ×ÊÉÔÓÌÍÖé÷ððóîõ ÏÛÎÇÖÛÙÈÇÊ×ØÚÇÓÐØÓÎÕÉéÛÐ×ÉÖÍÊÊ×ÉÛÐ×ÈÍÛÎÍÈÔ×ÊØ×ÛÐ×ÊÉÔÓÌÍÖ ÏÛÎÇÖÛÙÈÇÊ×ØÚÇÓÐØÓÎÕÉÛÊ×ÎÍÈÉÇÚÒ×ÙÈÈÍÈÛÄéÛÐ×ÉÖÍÊÊ×ÉÛÐ×ØÍÎÍÈ ÓÎÙÐÇØ×ÉÛÐ×ÉÈÍÛÐ×ÉÉÍÊÍÖÏÛÎÇÖÛÙÈÇÊ×ØÚÇÓÐØÓÎÕÉèÔ×ÉÛÐ×ÍÖÛÇÉ×Ø ÏÛÎÇÖÛÙÈÇÊ×ØÚÇÓÐØÓÎÕÓÉÎÍÈÈÛÄÛÚÐ×ÇÎØ×ÊÈÔÓÉÙÔÛÌÈ×ÊèÔ×ÌÊÍÙ××ØÉÖÊÍÏ ÛÐÈ×ÊÛÈÓÍÎÛÎØÊ×ÌÛÓÊÉÈÍÛÇÉ×ØÏÛÎÇÖÛÙÈÇÊ×ØÚÇÓÐØÓÎÕÛÊ×ÈÛÄÛÚÐ×ÇÎØ×ÊÈÔÓÉ É×ÙÈÓÍÎ úèÔ×ÈÛÄÚÛÉ×ÖÍÊÈÔ×ÌÊÓÏ×ÙÍÎÈÊÛÙÈÓÎÕïûîçöûùèçê÷øúçóðøóîõø÷ûð÷ê ÙÐÛÉÉÓÖÓÙÛÈÓÍÎÓÉÉÓÄÈÃÖÓÆ×Ì×ÊÙ×ÎÈÍÖÈÔ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉ ÓÎÙÍÏ×Ø×ÊÓÆ×ØÖÊÍÏÈÔ×ÚÇÉÓÎ×ÉÉèÔ×ÖÍÐÐÍÅÓÎÕÛÏÍÇÎÈÉÉÔÛÐÐÚ×Ø×ØÇÙÈ×Ø ÖÊÍÏÈÔ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ×Ú×ÖÍÊ×ÙÍÏÌÇÈÓÎÕÈÔ×ÈÛÄ ÚÛÉ× èÔ×ÉÛÐ×ÉÌÊÓÙ×ÍÖÐÛÎØÅÔÓÙÔÉÔÛÐÐÎÍÈ×ÄÙ××ØÈÔ×ÖÛÓÊÏÛÊÑ×È ÆÛÐÇ× éÛÐ×ÉÛÎØÓÎÉÈÛÐÐÛÈÓÍÎÍÖÕÊÍÇÎØÅÛÈ×ÊÏ×ÛÉÇÊÓÎÕØ×ÆÓÙ×ÉÊ×ËÇÓÊ×Ø ÇÎØ×ÊÉ×ÙÈÓÍÎ ÛÎØÕÊÍÇÎØÅÛÈ×ÊÏÍÎÓÈÍÊÓÎÕÅ×ÐÐÉÊ×ËÇÓÊ×ØÚÃÐÛÅ Study Session - March 13, 2013 - Page 82 of 125 ôú ÓÎÙÐÇØÓÎÕÏÍÎÓÈÍÊÓÎÕÅ×ÐÐÉÓÎÉÈÛÐÐ×ØÖÍÊÛÙËÇÓÊÓÎÕÓÎÖÍÊÏÛÈÓÍÎÖÍÊÛÌ×ÊÏÓÈ Ê×ËÇÓÊ×ØÚÃÐÛÅ èÔ×ÉÛÐ×ÉÌÊÓÙ×ÍÖÖÇÊÎÓÈÇÊ×ÖÇÊÎÓÉÔÓÎÕÉÖÓÄÈÇÊ×ÉÛÌÌÐÓÛÎÙ×É ÛÎØÛÈÈÛÙÔÏ×ÎÈÉÈÔÛÈÛÊ×ÎÍÈÓÎÙÍÊÌÍÊÛÈ×ØÛÉÙÍÏÌÍÎ×ÎÈÌÛÊÈÉÍÖÍÊÛÈÈÛÙÔ×Ø ÈÍÛÏÛÎÇÖÛÙÈÇÊ×ØÚÇÓÐØÓÎÕÍÊÈÔ×É×ÈÇÌÉÓÈ×èÔ×ÉÛÐ×ÍÖÉÇÙÔÓÈ×ÏÉÏÛÃÚ× ÉÇÚÒ×ÙÈÈÍÈÔ×ÈÛÄ×ÉÓÏÌÍÉ×ØÚÃÛÊÈÓÙÐ×ÍÖÈÔÓÉÙÔÛÌÈ×ÊÉ×ÌÛÊÛÈ×ÐÃÛÎØ ØÓÉÈÓÎÙÈÐÃÖÊÍÏÈÔ×ÉÛÐ×ÍÖÈÔ×ÏÛÎÇÖÛÙÈÇÊ×ØÚÇÓÐØÓÎÕ èÔ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ×Ê×Ù×ÓÆ×ØÖÊÍÏÛ ÙÍÎÈÊÛÙÈ×ÎÈ×Ê×ØÓÎÈÍÖÍÊÈÔ×ÙÍÎÉÈÊÇÙÈÓÍÎÛÐÈ×ÊÛÈÓÍÎÊ×ÌÛÓÊÛØØÓÈÓÍÎ ÉÇÚÈÊÛÙÈÓÍÎÓÏÌÊÍÆ×Ï×ÎÈÏÍÆ×Ï×ÎÈÅÊ×ÙÑÓÎÕÍÊØ×ÏÍÐÓÈÓÍÎÍÖÛÎÃÚÇÓÐØÓÎÕ ÔÓÕÔÅÛÃÊÍÛØÊÛÓÐÊÍÛØ×ÄÙÛÆÛÈÓÍÎÏÛÎÇÖÛÙÈÇÊ×ØÚÇÓÐØÓÎÕÍÊÍÈÔ×Ê ÉÈÊÇÙÈÇÊ×ÌÊÍÒ×ÙÈØ×Æ×ÐÍÌÏ×ÎÈÍÊÓÏÌÊÍÆ×Ï×ÎÈÐÍÙÛÈ×ØÓÎÛÏÓÐÓÈÛÊÃÊ×ÇÉ× ÂÍÎ×ÖÍÊÌÊÍÆÓØÓÎÕÛÆÓÛÈÓÍÎÍÊÛ×ÊÍÉÌÛÙ×É×ÊÆÓÙ×ÉÍÊÖÍÊÛÏÛÎÇÖÛÙÈÇÊ×Ê ÛÉÉ×ÏÚÐ×ÊÍÊÖÛÚÊÓÙÛÈÍÊÍÖÛÆÓÛÈÓÍÎÍÊÛ×ÊÍÉÌÛÙ×ÌÊÍØÇÙÈÉÅÓÈÔÓÎÛÎÛÙÈÓÆ× ÏÓÐÓÈÛÊÃÊ×ÇÉ×ÂÍÎ×ÛÖÈ×ÊÈÔ×ÂÍÎ×ÓÉÓÎÓÈÓÛÐÐÃ×ÉÈÛÚÐÓÉÔ×ØÍÊÊ×Î×Å×ØÇÎØ×Ê É×ÙÈÓÍÎ èÍÚ××ÐÓÕÓÚÐ×ÈÍËÇÛÐÓÖÃÖÍÊÈÔÓÉØ×ØÇÙÈÓÍÎÚ×ÖÍÊ× Ú×ÕÓÎÎÓÎÕÅÍÊÑÇÎØ×ÊÈÔ×ÙÍÎÈÊÛÙÈÈÔ×ÌÊÓÏ×ÙÍÎÈÊÛÙÈÍÊÏÇÉÈÔÛÆ×ÛÌÌÐÓ×ØÖÍÊ ÛÐ×ÈÈ×ÊÍÖËÇÛÐÓÖÓÙÛÈÓÍÎÖÊÍÏÈÔ×Ø×ÌÛÊÈÏ×ÎÈÍÖÊ×Æ×ÎÇ× èÔ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ×Ø×ÊÓÆ×ØÖÊÍÏÛÙÍÎÈÊÛÙÈ ÈÍÙÍÎÉÈÊÇÙÈÛËÇÛÐÓÖÓ×Ø×ÎÆÓÊÍÎÏ×ÎÈÛÐÈ×ÙÔÎÍÐÍÕÃÏÛÎÇÖÛÙÈÇÊÓÎÕÌÊÍØÇÙÓÎÕÍÊ ÌÊÍÙ×ÉÉÓÎÕÖÛÙÓÐÓÈÃÛÉØ×ÉÙÊÓÚ×ØÓÎÉ×ÙÈÓÍÎ ÛÎØÖÊÍÏÉÇÚÉ×ËÇ×ÎÈ ÙÍÎÉÈÊÇÙÈÓÍÎÛÎØÓÎÉÈÛÐÐÛÈÓÍÎÙÍÎÈÊÛÙÈÉÈÔÛÈÚ×ÕÓÎÅÓÈÔÓÎÈ×ÎÃ×ÛÊÉÛÖÈ×ÊÈÔ× ÉÈÛÊÈÍÖÓÎÓÈÓÛÐÙÍÎÉÈÊÇÙÈÓÍÎèÍËÇÛÐÓÖÃÖÍÊÈÔÓÉØ×ØÇÙÈÓÍÎÚ×ÖÍÊ× Ú×ÕÓÎÎÓÎÕÅÍÊÑÇÎØ×ÊÈÔ×ÙÍÎÈÊÛÙÈÈÔ×ÌÊÓÏ×ÙÍÎÈÊÛÙÈÍÊÏÇÉÈÍÚÈÛÓÎÛÐ×ÈÈ×Ê ÍÖËÇÛÐÓÖÓÙÛÈÓÍÎÖÊÍÏÈÔ×Ø×ÌÛÊÈÏ×ÎÈÍÖÊ×Æ×ÎÇ×èÔÓÉÌÛÊÛÕÊÛÌÔÉÔÛÐÐÛÌÌÐÃ ÖÍÊÈ×ÎÖÇÐÐÙÍÎÉ×ÙÇÈÓÆ×ÙÛÐ×ÎØÛÊÍÊÖÓÉÙÛÐÃ×ÛÊÉÛÖÈ×ÊÈÔ×ÉÈÛÊÈÍÖÓÎÓÈÓÛÐ ÙÍÎÉÈÊÇÙÈÓÍÎ èÔ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ×ÖÊÍÏÛÙÍÎÈÊÛÙÈÈÍ ÌÊÍÆÓØ×ÖÍÊÍÎ×ÍÊÏÍÊ×ÍÖÈÔ×ÖÍÐÐÍÅÓÎÕÛÙÈÓÍÎÉÍÊÛÙÍÎÈÊÛÙÈÖÍÊÉÓÈ× ÌÊ×ÌÛÊÛÈÓÍÎÙÍÎÉÈÊÇÙÈÓÎÕÖÇÊÎÓÉÔÓÎÕÍÊÓÎÉÈÛÐÐÓÎÕÏÛÙÔÓÎ×ÊÃ×ËÇÓÌÏ×ÎÈÍÊ ÍÈÔ×ÊÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÓÎÙÐÇØÓÎÕÉÈÊÇÙÈÇÊ×ÉÎ×Ù×ÉÉÛÊÃÈÍÌÊÍÈ×ÙÈ ×Ä×ÏÌÈÓÎÙÍÊÌÍÊÛÈ×ØÏÛÈ×ÊÓÛÐÉÍÊÓÎÉÈÛÐÐ×ØÏÛÙÔÓÎ×ÊÃÍÊ×ËÇÓÌÏ×ÎÈÛÎØ ÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÓÎÙÍÊÌÍÊÛÈ×ØÓÎÈÍÈÔ×ÌÊÍÒ×ÙÈÈÍÌ×ÊÖÍÊÏÍÎ×ÍÊ ÏÍÊ×ÍÖÈÔ×ÖÍÐÐÍÅÓÎÕÛÙÈÓÍÎÉÓÎÊ×ÉÌÍÎÉ×ÈÍÛÊ×Ð×ÛÉ×ÍÊÉÇÉÌ×ÙÈ×ØÊ×Ð×ÛÉ× ÍÖÛÔÛÂÛÊØÍÇÉÉÇÚÉÈÛÎÙ×ÌÍÐÐÇÈÛÎÈÍÊÙÍÎÈÛÏÓÎÛÎÈÖÊÍÏÛÖÛÙÓÐÓÈÃÈÍÈÔ× ×ÎÆÓÊÍÎÏ×ÎÈÇÎÐ×ÉÉÈÔ×Ê×Ð×ÛÉ×ÅÛÉÛÇÈÔÍÊÓÂ×ØÚÃÛÌ×ÊÏÓÈÓÉÉÇ×ØÚÃÛ ÕÍÆ×ÊÎÏ×ÎÈÛÐÛÇÈÔÍÊÓÈÃ ÛûÙÈÓÍÎÉÈÍÏÍÎÓÈÍÊÛÉÉ×ÉÉÛÎØ×ÆÛÐÇÛÈ×ÉÇÙÔÛÊ×Ð×ÛÉ×ÍÊÛ ÉÇÉÌ×ÙÈ×ØÊ×Ð×ÛÉ× Ú÷ÄÙÛÆÛÈÓÍÎÊ×ÏÍÆÛÐÛÎØÈÊÛÎÉÌÍÊÈÛÈÓÍÎÍÖÙÍÎÈÛÏÓÎÛÈ×ØÉÍÓÐÛÎØ ÓÈÉÈÊ×ÛÈÏ×ÎÈÍÊØÓÉÌÍÉÛÐ ÙèÊ×ÛÈÏ×ÎÈÍÖÙÍÎÈÛÏÓÎÛÈ×ØÉÍÓÐÚÃÆÛÌÍÊ×ÄÈÊÛÙÈÓÍÎÙÔ×ÏÓÙÛÐÍÊ ÌÔÃÉÓÙÛÐÉÈÛÚÓÐÓÂÛÈÓÍÎÉÍÓÐÅÛÉÔÓÎÕÍÊÚÓÍÐÍÕÓÙÛÐÈÊ×ÛÈÏ×ÎÈÈÍÊ×ØÇÙ×ÈÔ× ÙÍÎÙ×ÎÈÊÛÈÓÍÎÈÍÄÓÙÓÈÃÍÊÏÍÚÓÐÓÈÃÍÖÛÙÍÎÈÛÏÓÎÛÎÈ Study Session - March 13, 2013 - Page 83 of 125 ôú ØìÇÏÌÓÎÕÛÎØÈÊ×ÛÈÏ×ÎÈÍÊÓÎÉÓÈÇÈÊ×ÛÈÏ×ÎÈÍÖÙÍÎÈÛÏÓÎÛÈ×Ø ÕÊÍÇÎØÅÛÈ×ÊÍÊÉÇÊÖÛÙ×ÅÛÈ×ÊÈÍÊ×ØÇÙ×ÈÔ×ÙÍÎÙ×ÎÈÊÛÈÓÍÎÍÊÈÍÄÓÙÓÈÃÍÖÛ ÙÍÎÈÛÏÓÎÛÎÈ ×èÔ×ÓÎÉÈÛÐÐÛÈÓÍÎÍÖÉÈÊÇÙÈÇÊ×ÉÉÇÙÔÛÉÙÇÈÍÖÖÅÛÐÐÉÍÊÙÛÌÉÈÍ ÙÍÎÈÛÓÎÙÍÎÈÛÏÓÎÛÎÈÉÌÊ×É×ÎÈÓÎÕÊÍÇÎØÅÛÈ×ÊÍÊÉÍÓÐÛÎØÌÊ×Æ×ÎÈÈÔ×ÏÖÊÍÏ Ê×ÛÙÔÓÎÕÛÐÍÙÛÈÓÍÎÅÔ×Ê×ÈÔ×ÃÙÍÇÐØÈÔÊ×ÛÈ×ÎÔÇÏÛÎÔ×ÛÐÈÔÍÊÅ×ÐÖÛÊ×ÍÊÈÔ× ×ÎÆÓÊÍÎÏ×ÎÈ èÔÓÉÌÛÊÛÕÊÛÌÔØÍ×ÉÎÍÈÓÎÙÐÇØ×ÛÉÚ×ÉÈÍÉÊ×ÏÍÆÛÐÍÊÈÔ×ÙÍÎÉÈÊÇÙÈÓÍÎÍÊÇÉ× ÍÖÛÎÙÓÐÐÛÊÃÉÈÊÇÙÈÇÊ×ÉÉÇÙÔÛÉÏÛÓÎÈ×ÎÛÎÙ×ÉÔ×ØÉÍÖÖÓÙ×ÉÍÊÉÈÍÊÛÕ× ÖÛÙÓÐÓÈÓ×ÉÖÍÊÇÎÛÈÈÛÙÔ×Ø×ËÇÓÌÏ×ÎÈÌÍÐÐÇÈÓÍÎÙÍÎÈÊÍÐ×ËÇÓÌÏ×ÎÈÖÛÙÓÐÓÈÓ×É ÍÊÍÈÔ×ÊÙÍÎÈÊÍÐÓÈ×ÏÉÊ×ËÇÓÊ×ØÍÊÈÍÚ×ÇÉ×ØÚÃÛÌ×ÊÉÍÎÈÍÌÊ×Æ×ÎÈÍÊ ÙÍÎÈÊÍÐÙÍÎÈÛÏÓÎÛÈÓÍÎÚ×ÖÍÊ×ÓÈÊ×ÛÙÔ×ÉÈÔ××ÎÆÓÊÍÎÏ×ÎÈ èÔ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ×ÈÔÛÈÓÉØ×ÊÓÆ×ØÖÊÍÏÛ ÙÍÎÈÊÛÙÈ×ÎÈ×Ê×ØÓÎÈÍÖÍÊÈÔ×ÓÎÉÈÛÐÐÛÈÓÍÎÛÉÉ×ÏÚÐÃÊ×ÌÛÓÊÍÊÏÛÓÎÈ×ÎÛÎÙ× ÍÖÏÛÙÔÓÎ×ÊÃ×ËÇÓÌÏ×ÎÈÍÊÍÈÔ×ÊÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÈÔÛÈÓÉØ×ØÇÙÈ×Ø ÖÊÍÏÈÔ×ÈÛÄÚÛÉ×ÍÖÈÔ×Ê×ÈÛÓÐÙÐÛÉÉÓÖÓÙÛÈÓÍÎÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎúÍÊÈÔÛÈÓÉ×Ä×ÏÌÈÖÊÍÏÇÉ×ÈÛÄÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎúÛÎØÈÔÛÈØÍ×ÉÎÍÈÚ×ÙÍÏ×ÛÌ×ÊÏÛÎ×ÎÈÛÈÈÛÙÔÏ×ÎÈÈÍÛÚÇÓÐØÓÎÕ ÔÓÕÔÅÛÃÊÍÛØÊÛÓÐÊÍÛØ×ÄÙÛÆÛÈÓÍÎÍÊÏÛÎÇÖÛÙÈÇÊ×ØÚÇÓÐØÓÎÕÍÊÍÈÔ×Ê ÉÈÊÇÙÈÇÊ×ÌÊÍÒ×ÙÈØ×Æ×ÐÍÌÏ×ÎÈÍÊÓÏÌÊÍÆ×Ï×ÎÈóÖÈÔ×ÍÅÎ×ÊÉÔÓÌÍÖÈÔ× Ê×ÛÐÈÃÓÉÉ×ÌÛÊÛÈ×ÖÊÍÏÈÔ×ÍÅÎ×ÊÉÔÓÌÍÖÈÔ×ÏÛÙÔÓÎ×ÊÃ×ËÇÓÌÏ×ÎÈÍÊÈÛÎÕÓÚÐ× Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÈÔ×Ø×È×ÊÏÓÎÛÈÓÍÎÛÉÈÍÌ×ÊÏÛÎ×ÎÈÛÈÈÛÙÔÏ×ÎÈÉÔÛÐÐÚ×ÏÛØ× ÛÉÓÖÈÔ×ÍÅÎ×ÊÉÔÓÌÅ×Ê×ÈÔ×ÉÛÏ×èÔ×Ø×ØÇÙÈÓÍÎÌÊÍÆÓØ×ØÓÎÈÔÓÉÌÛÊÛÕÊÛÌÔ ØÍ×ÉÎÍÈÓÎÙÐÇØ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ×ÖÊÍÏÈÔÛÈÌÍÊÈÓÍÎÍÖ ÛÎÃÙÍÎÈÊÛÙÈÓÎÕÛÙÈÓÆÓÈÃÈÔÛÈÙÍÎÉÓÉÈÉÍÖÈÔ×Ø×Æ×ÐÍÌÏ×ÎÈÍÖÍÊÏÍØÓÖÓÙÛÈÓÍÎ ÈÍÊ×ÛÐÌÊÍÌ×ÊÈÃÓÎÍÊØ×ÊÈÍÖÛÙÓÐÓÈÛÈ×ÈÔ×ÓÎÉÈÛÐÐÛÈÓÍÎÛÉÉ×ÏÚÐÃÊ×ÌÛÓÊ ÏÛÓÎÈ×ÎÛÎÙ×ÍÊÊ×ÏÍÆÛÐÍÖÏÛÙÔÓÎ×ÊÃ×ËÇÓÌÏ×ÎÈÍÊÍÈÔ×ÊÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐ ÌÊÍÌ×ÊÈÃÈÔÛÈÓÉØ×ØÇÙÈ×ØÖÊÍÏÈÔ×ÈÛÄÚÛÉ×ÍÖÈÔ×Ê×ÈÛÓÐÙÐÛÉÉÓÖÓÙÛÈÓÍÎ ÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎúÍÊÈÔÛÈÓÉ×Ä×ÏÌÈÖÊÍÏÇÉ×ÈÛÄ ÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎúöÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÈÔÓÉ ÌÛÊÛÕÊÛÌÔÌ×ÊÏÛÎ×ÎÈÛÈÈÛÙÔÏ×ÎÈÏ×ÛÎÉÛÈÐ×ÛÉÈÍÎ×ÍÖÈÔ×ÖÍÐÐÍÅÓÎÕ ÛèÍÚ×ÓÎÙÍÊÌÍÊÛÈ×ØÓÎÈÍÊ×ÛÐÌÊÍÌ×ÊÈÃ ÚèÍÚ×ÙÍÏ×ÉÍÛÖÖÓÄ×ØÈÍÊ×ÛÐÌÊÍÌ×ÊÈÃÈÔÛÈÓÈÚ×ÙÍÏ×ÉÛÌÛÊÈÍÖ ÈÔ×Ê×ÛÐÌÊÍÌ×ÊÈÃ ÙèÍÚ×ÉÍÛÈÈÛÙÔ×ØÈÍÊ×ÛÐÌÊÍÌ×ÊÈÃÈÔÛÈÊ×ÏÍÆÛÐÅÍÇÐØÙÛÇÉ× ÉÇÚÉÈÛÎÈÓÛÐØÛÏÛÕ×ÈÍÈÔ×Ê×ÛÐÌÊÍÌ×ÊÈÃÖÊÍÏÅÔÓÙÔÓÈÓÉÊ×ÏÍÆ×Ø èÔ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ×ÛÈÈÊÓÚÇÈÛÚÐ×ÈÍÈÔ× ÌÇÊÙÔÛÉ×ÍÖÏÛÙÔÓÎ×ÊÃ×ËÇÓÌÏ×ÎÈÍÊÍÈÔ×ÊÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÈÔÛÈÓÉ ×Ä×ÏÌÈÖÊÍÏÍÊØ×ØÇÙÈÓÚÐ×ÖÊÍÏÈÊÛÎÉÛÙÈÓÍÎÌÊÓÆÓÐ×Õ×ÛÎØÇÉ×ÈÛÄÇÎØ×Ê Ûé×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎûÌÛÊÛÕÊÛÌÔ ÍÊ Úé×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎú Ùé×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎûÌÛÊÛÕÊÛÌÔ ÉÇÚØÓÆÓÉÓÍÎÛÚ ÙØ×ÖÓÒÍÊÐ Øé×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎú Study Session - March 13, 2013 - Page 84 of 125 ôú èÔ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ×Ê×Ù×ÓÆ×ØÖÊÍÏÛ ÙÍÎÈÊÛÙÈÖÍÊÈÔ×ÙÍÎÉÈÊÇÙÈÓÍÎÍÖÛÎ×ÎÆÓÊÍÎÏ×ÎÈÛÐÐÃÙÍÎÈÊÍÐÐ×ØÖÛÙÓÐÓÈÃÖÍÊ ÈÔ×ÊÛÓÉÓÎÕÍÖÌÍÇÐÈÊÃÖÍÊÈÔ×ÌÊÍØÇÙÈÓÍÎÍÖ×ÕÕÉÛÎØÈÔ×ÉÍÊÈÓÎÕÙÍÍÐÓÎÕ ÛÎØÌÛÙÑÛÕÓÎÕÍÖ×ÕÕÉ èÔ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ×ÈÔÛÈÓÉØ×ÊÓÆ×ØÖÊÍÏÛ ÙÍÎÈÊÛÙÈ×ÎÈ×Ê×ØÓÎÈÍÅÓÈÔÛÌ×ÊÉÍÎÅÔÍÓÉ×ÎÕÛÕ×ØÓÎÈÔ×ÙÍÏÏ×ÊÙÓÛÐ ÌÊÍØÇÙÈÓÍÎÍÖÐÓÆ×ÉÈÍÙÑÐÓÆ×ÉÈÍÙÑÌÊÍØÇÙÈÉÍÊÛÕÊÓÙÇÐÈÇÊÛÐÔÍÊÈÓÙÇÐÈÇÊÛÐ ÆÓÈÓÙÇÐÈÇÊÛÐÍÊÖÐÍÊÓÙÇÐÈÇÊÛÐÙÊÍÌÉÍÊÌÊÍØÇÙÈÉÓÎÈÔÓÉÉÈÛÈ×ÖÍÊÈÔ× ÙÍÎÉÈÊÇÙÈÓÍÎÛÐÈ×ÊÛÈÓÍÎÊ×ÌÛÓÊÓÏÌÊÍÆ×Ï×ÎÈÏÍÆ×Ï×ÎÈÅÊ×ÙÑÓÎÕÍÊ Ø×ÏÍÐÓÈÓÍÎÍÊÛØØÓÈÓÍÎÈÍÍÊÉÇÚÈÊÛÙÈÓÍÎÖÊÍÏÛÎÃÚÇÓÐØÓÎÕÔÓÕÔÅÛÃÊÍÛØ ×ÄÙÛÆÛÈÓÍÎÏÛÎÇÖÛÙÈÇÊ×ØÚÇÓÐØÓÎÕÍÊÍÈÔ×ÊÉÈÊÇÙÈÇÊ×ÌÊÍÒ×ÙÈØ×Æ×ÐÍÌÏ×ÎÈÍÊ ÓÏÌÊÍÆ×Ï×ÎÈÇÉ×ØØÓÊ×ÙÈÐÃÛÎØÌÊÓÏÛÊÓÐÃÈÍÌÊ×Æ×ÎÈÏÍÎÓÈÍÊÙÍÎÈÊÍÐÍÊ Ê×ØÇÙ×ÛÓÊÅÛÈ×ÊÍÊÐÛÎØÌÍÐÐÇÈÓÍÎ èÔ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ×ÈÔÛÈÓÉØ×ÊÓÆ×ØÖÊÍÏ ÈÔ×ÓÎÉÈÛÐÐÛÈÓÍÎÛÉÉ×ÏÚÐÃÊ×ÌÛÓÊÍÊÏÛÓÎÈ×ÎÛÎÙ×ÍÖÙÐ×ÛÎÊÍÍÏÉÈÔÛÈÛÊ× Ø×ØÇÙÈ×ØÖÊÍÏÈÔ×ÈÛÄÚÛÉ×ÍÖÈÔ×Ê×ÈÛÓÐÙÐÛÉÉÓÖÓÙÛÈÓÍÎÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎúÌÛÊÛÕÊÛÌÔ öÍÊÈÛÄÛÚÐ×Ì×ÊÓÍØÉÚ×ÕÓÎÎÓÎÕÖÊÍÏÛÎØÛÖÈ×ÊòÇÎ× ÈÔ× ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ×Ø×ÊÓÆ×ØÖÊÍÏÛÙÍÎÈÊÛÙÈ×ÎÈ×Ê×ØÓÎÈÍ ÖÍÊÈÔ×ÙÍÎÉÈÊÇÙÈÓÍÎÍÖÛÊ×ÉÓØ×ÎÈÓÛÐÛÌÛÊÈÏ×ÎÈÔÍÇÉÓÎÕÖÛÙÓÐÓÈÃÈÔÛÈ ËÇÛÐÓÖÓ×ÉÖÍÊÛÖ×Ø×ÊÛÐÔÍÇÉÓÎÕÉÇÚÉÓØÃÖÍÊÐÍÅÓÎÙÍÏ×Ì×ÊÉÍÎÉÍÆ×ÊÉÓÄÈÃÈÅÍ Ã×ÛÊÉÍÖÛÕ×ÛÎØÈÔÛÈÓÉÍÅÎ×ØÚÃÛÎÍÎÌÊÍÖÓÈÙÔÛÊÓÈÛÚÐ×ÍÊÕÛÎÓÂÛÈÓÍÎÈÔÛÈ ÔÛÉËÇÛÐÓÖÓ×ØÇÎØ×ÊÉ×ÙÈÓÍÎ Ù ÍÖÈÔ×ÓÎÈ×ÊÎÛÐÊ×Æ×ÎÇ×ÙÍØ× öÍÊÈÛÄÛÚÐ×Ì×ÊÓÍØÉÚ×ÕÓÎÎÓÎÕÖÊÍÏÛÎØÛÖÈ×Êø×Ù×ÏÚ×Ê ÛÎØ ×ÎØÓÎÕÚ×ÖÍÊ×òÛÎÇÛÊÃ ÈÔ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ× Ø×ÊÓÆ×ØÖÊÍÏÛÙÍÎÈÊÛÙÈÈÍÌÊÍÆÓØ×ÛÎØÓÎÉÈÛÐÐÛÉÍÐÛÊ×Î×ÊÕÃØ×ÆÓÙ×èÔ× ÙÍÎÈÊÛÙÈÍÊÉÔÛÐÐÊ×ÕÓÉÈ×ÊÅÓÈÔÈÔ×Ø×ÌÛÊÈÏ×ÎÈÛÉÛÉÍÐÛÊ×Î×ÊÕÃÙÍÎÈÊÛÙÈÍÊ úÃÊ×ÕÓÉÈ×ÊÓÎÕÈÔ×ÙÍÎÈÊÛÙÈÍÊÛÙÑÎÍÅÐ×ØÕ×ÉÈÔÛÈÓÈÅÓÐÐÏÛÑ×ÓÈÉÚÍÍÑÉÛÎØ Ê×ÙÍÊØÉÊ×ÐÛÈÓÎÕÈÍÉÛÐ×ÉÍÖÉÍÐÛÊ×Î×ÊÕÃØ×ÆÓÙ×ÉÛÆÛÓÐÛÚÐ×ÈÍÈÔ×Ø×ÌÛÊÈÏ×ÎÈ ÖÍÊ×ÄÛÏÓÎÛÈÓÍÎ èÔ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ×Ø×ÊÓÆ×ØÖÊÍÏÛÙÍÎÈÊÛÙÈ ×ÎÈ×Ê×ØÓÎÈÍÖÍÊÈÔ×ÙÍÎÉÈÊÇÙÈÓÍÎÍÖÛÐÛÇÎÙÔÉÓÈ×ÛÉØ×ÖÓÎ×ØÓÎùÍØ×ÍÖ ö×Ø×ÊÛÐê×ÕÇÐÛÈÓÍÎÉÉ×ÙÈÓÍÎ èÔ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ×Ø×ÊÓÆ×ØÖÊÍÏÛÙÍÎÈÊÛÙÈ ×ÎÈ×Ê×ØÓÎÈÍÖÍÊÈÔ×ÙÍÎÉÈÊÇÙÈÓÍÎÍÖÛØÍÏ×ÉÈÓÙÆÓÍÐ×ÎÙ×ÉÔ×ÐÈ×ÊÈÔÛÈÓÉ ÍÅÎ×ØÛÎØÍÌ×ÊÛÈ×ØÚÃÛÎÍÎÌÊÍÖÓÈÙÔÛÊÓÈÛÚÐ×ÍÊÕÛÎÓÂÛÈÓÍÎÈÔÛÈÔÛÉËÇÛÐÓÖÓ×Ø ÇÎØ×ÊÉ×ÙÈÓÍÎ Ù ÍÖÈÔ×ÓÎÈ×ÊÎÛÐÊ×Æ×ÎÇ×ÙÍØ× èÔ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ×Ø×ÊÓÆ×ØÖÊÍÏÙÍÎÈÊÛÙÈÉ ÈÍÌ×ÊÖÍÊÏÌÍÉÈÙÍÎÉÈÊÇÙÈÓÍÎÈÊ×ÛÈÏ×ÎÈÍÖÊ×ÛÐÌÊÍÌ×ÊÈÃÖÍÊÈ×ÊÏÓÈ×ÛÎØ Õ×Î×ÊÛÐÌ×ÉÈÙÍÎÈÊÍÐÓÎÙÐÇØÓÎÕÅÍÍØØ×ÉÈÊÍÃÓÎÕÍÊÕÛÎÓÉÏÉ èÔ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ×Ê×Ù×ÓÆ×ØÖÊÍÏÙÍÎÈÊÛÙÈÉ ×ÎÈ×Ê×ØÓÎÈÍÚ×ÖÍÊ×òÇÐÃ ÖÍÊÙÍÎÉÈÊÇÙÈÓÎÕÛÉÈÛÈ×ÇÎÓÆ×ÊÉÓÈÃÊ×É×ÛÊÙÔ ÓÎÖÊÛÉÈÊÇÙÈÇÊ×ÌÊÍÒ×ÙÈÓÖÈÔ×ÌÊÍÒ×ÙÈÔÛÉÚ××ÎÊ×ÆÓ×Å×ØÚÃÈÔ×ÒÍÓÎÈ ÙÍÏÏÓÈÈ××ÍÎÙÛÌÓÈÛÐÊ×ÆÓ×ÅÚ×ÖÍÊ×ÈÔ×ÇÎÓÆ×ÊÉÓÈÃ×ÎÈ×ÊÉÓÎÈÍÈÔ× Study Session - March 13, 2013 - Page 85 of 125 ôú ÙÍÎÉÈÊÇÙÈÓÍÎÙÍÎÈÊÛÙÈÖÍÊÈÔ×ÌÊÍÒ×ÙÈöÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÈÔÓÉÌÛÊÛÕÊÛÌÔ Ê×É×ÛÊÙÔÓÎÖÊÛÉÈÊÇÙÈÇÊ×ÔÛÉÈÔ×ÉÛÏ×Ï×ÛÎÓÎÕÌÊ×ÉÙÊÓÚ×ØÓÎÉ×ÙÈÓÍÎ èÔ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ×Ê×Ù×ÓÆ×ØÖÊÍÏÛ ÙÍÎÈÊÛÙÈÖÍÊÈÔ×ÙÍÎÉÈÊÇÙÈÓÍÎÍÖÛÎÃÚÇÓÐØÓÎÕÍÊÍÈÔ×ÊÉÈÊÇÙÈÇÊ×ÌÊÍÒ×ÙÈ Ø×Æ×ÐÍÌÏ×ÎÈÍÊÓÏÌÊÍÆ×Ï×ÎÈÍÅÎ×ØÚÃÛËÇÛÐÓÖÓ×ØÚÇÉÓÎ×ÉÉÇÎØ×ÊÉ×ÙÈÓÍÎ ÖÍÊÔÛÊÆ×ÉÈÓÎÕÍÊÌÊÍÙ×ÉÉÓÎÕËÇÛÐÓÖÃÓÎÕÖÍÊ×ÉÈÌÊÍØÇÙÈÉÊ×ÏÍÆ×ØÖÊÍÏ ËÇÛÐÓÖÃÓÎÕÌÊÍÒ×ÙÈÉÛÉØ×ÖÓÎ×ØÓÎÉ×ÙÈÓÍÎÓÖÛÙÈÇÛÐÙÍÎÉÈÊÇÙÈÓÍÎ Ú×ÕÓÎÉÚ×ÖÍÊ×òÛÎÇÛÊÃ èÍËÇÛÐÓÖÃÖÍÊÈÔÓÉØ×ØÇÙÈÓÍÎÈÔ×ÌÊÓÏ× ÙÍÎÈÊÛÙÈÍÊÏÇÉÈÍÚÈÛÓÎÛÐ×ÈÈ×ÊÍÖËÇÛÐÓÖÓÙÛÈÓÍÎÖÊÍÏÈÔ×ûÊÓÂÍÎÛÙÍÏÏ×ÊÙ× ÛÇÈÔÍÊÓÈÃÚ×ÖÍÊ×Ú×ÕÓÎÎÓÎÕÅÍÊÑÇÎØ×ÊÈÔ×ÙÍÎÈÊÛÙÈ ûÎÃÛÏÍÇÎÈÍÖÈÔ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ× ÛÈÈÊÓÚÇÈÛÚÐ×ÈÍØ×Æ×ÐÍÌÏ×ÎÈÖ××ÉÈÔÛÈÛÊ×ÓÎÙÇÊÊ×ØÓÎÊ×ÐÛÈÓÍÎÈÍÛÙÍÎÈÊÛÙÈ ÖÍÊÙÍÎÉÈÊÇÙÈÓÍÎØ×Æ×ÐÍÌÏ×ÎÈÍÊÓÏÌÊÍÆ×Ï×ÎÈÍÖÊ×ÛÐÌÊÍÌ×ÊÈÃÛÎØÈÔÛÈÛÊ× ÌÛÓØÚÃÛÌÊÓÏ×ÙÍÎÈÊÛÙÈÍÊÍÊÉÇÚÙÍÎÈÊÛÙÈÍÊöÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÈÔÓÉ ÌÛÊÛÕÊÛÌÔ ÛèÔ×ÛÈÈÊÓÚÇÈÛÚÐ×ÛÏÍÇÎÈÉÔÛÐÐÎÍÈ×ÄÙ××ØÈÔ×ÆÛÐÇ×ÍÖÈÔ× Ø×Æ×ÐÍÌÏ×ÎÈÖ××ÉÛÙÈÇÛÐÐÃÓÏÌÍÉ×Ø ÚèÔ×ÛÈÈÊÓÚÇÈÛÚÐ×ÛÏÍÇÎÈÓÉ×ËÇÛÐÈÍÈÔ×ÈÍÈÛÐÛÏÍÇÎÈÍÖ Ø×Æ×ÐÍÌÏ×ÎÈÖ××ÉÌÛÓØÚÃÈÔ×ÌÊÓÏ×ÙÍÎÈÊÛÙÈÍÊÍÊÉÇÚÙÍÎÈÊÛÙÈÍÊÛÎØÈÔ×ÈÍÈÛÐ Ø×Æ×ÐÍÌÏ×ÎÈÖ××ÉÙÊ×ØÓÈ×ØÓÎ×ÄÙÔÛÎÕ×ÖÍÊÈÔ×ÙÍÎÉÈÊÇÙÈÓÍÎÍÖÙÍÎÈÊÓÚÇÈÓÍÎ ÈÍÍÊØ×ØÓÙÛÈÓÍÎÍÖÊ×ÛÐÌÊÍÌ×ÊÈÃÖÍÊÌÊÍÆÓØÓÎÕÌÇÚÐÓÙÓÎÖÊÛÉÈÊÇÙÈÇÊ×ÌÇÚÐÓÙ ÉÛÖ×ÈÃÍÊÍÈÔ×ÊÌÇÚÐÓÙÉ×ÊÆÓÙ×ÉÎ×Ù×ÉÉÛÊÃÈÍÈÔ×Ø×Æ×ÐÍÌÏ×ÎÈèÔ×Ê×ÛÐ ÌÊÍÌ×ÊÈÃÏÇÉÈÚ×ÈÔ×ÉÇÚÒ×ÙÈÍÖÈÔ×Ø×Æ×ÐÍÌÏ×ÎÈÖ××É Ùø×Æ×ÐÍÌÏ×ÎÈÖ××ÉÏ×ÛÎÉÖ××ÉÓÏÌÍÉ×ØÈÍÍÖÖÉ×ÈÙÛÌÓÈÛÐÙÍÉÈÉÍÖ ÌÊÍÆÓØÓÎÕÌÇÚÐÓÙÓÎÖÊÛÉÈÊÇÙÈÇÊ×ÌÇÚÐÓÙÉÛÖ×ÈÃÍÊÍÈÔ×ÊÌÇÚÐÓÙÉ×ÊÆÓÙ×ÉÈÍÛ Ø×Æ×ÐÍÌÏ×ÎÈÛÎØÛÇÈÔÍÊÓÂ×ØÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ É×ÙÈÓÍÎ ÍÊ ÈÓÈÐ×Ê×ÕÛÊØÐ×ÉÉÍÖÈÔ×ÒÇÊÓÉØÓÙÈÓÍÎÈÍÅÔÓÙÔÈÔ×Ö××ÉÛÊ×ÌÛÓØ ù÷ÎÈÓÈÐ×Ï×ÎÈÈÍÈÔ×Ø×ØÇÙÈÓÍÎÌÇÊÉÇÛÎÈÈÍÉÇÚÉ×ÙÈÓÍÎúÌÛÊÛÕÊÛÌÔ ÍÖÈÔÓÉÉ×ÙÈÓÍÎÓÉÉÇÚÒ×ÙÈÈÍÈÔ×ÖÍÐÐÍÅÓÎÕÌÊÍÆÓÉÓÍÎÉ ûÌÊÓÏ×ÙÍÎÈÊÛÙÈÍÊÏÛÃ×ÉÈÛÚÐÓÉÔ×ÎÈÓÈÐ×Ï×ÎÈÈÍÈÔ×Ø×ØÇÙÈÓÍÎÚÃ ÚÍÈÔ ÛïÛÊÑÓÎÕÈÔ×ÓÎÆÍÓÙ×ÖÍÊÈÔ×ÈÊÛÎÉÛÙÈÓÍÎÈÍÓÎØÓÙÛÈ×ÈÔÛÈÈÔ×ÕÊÍÉÉ ÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ×Ø×ÊÓÆ×ØÖÊÍÏÈÔ×ÈÊÛÎÉÛÙÈÓÍÎÅÛÉØ×ØÇÙÈ×Ø ÖÊÍÏÈÔ×ÚÛÉ× ÚíÚÈÛÓÎÓÎÕÛÙ×ÊÈÓÖÓÙÛÈ××Ä×ÙÇÈ×ØÚÃÈÔ×ÌÇÊÙÔÛÉ×ÊÓÎØÓÙÛÈÓÎÕÈÔ× ÎÛÏ×ÛÎØÛØØÊ×ÉÉÍÖÈÔ×ÌÇÊÙÔÛÉ×ÊÈÔ×ÌÊ×ÙÓÉ×ÎÛÈÇÊ×ÍÖÈÔ×ÚÇÉÓÎ×ÉÉÍÖÈÔ× ÌÇÊÙÔÛÉ×ÊÈÔ×ÌÇÊÌÍÉ×ÖÍÊÅÔÓÙÔÈÔ×ÌÇÊÙÔÛÉ×ÅÛÉÏÛØ×ÈÔ×Î×Ù×ÉÉÛÊÃÖÛÙÈÉ ÈÍ×ÉÈÛÚÐÓÉÔÈÔ×Ø×ØÇÙÈÓÚÓÐÓÈÃÍÖÈÔ×ÌÊÍÌ×ÊÈÃÇÎØ×ÊÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎúÛÎØÛÙ×ÊÈÓÖÓÙÛÈÓÍÎÈÔÛÈÈÔ×Ì×ÊÉÍÎ×Ä×ÙÇÈÓÎÕÈÔ×Ù×ÊÈÓÖÓÙÛÈ× ÓÉÛÇÈÔÍÊÓÂ×ØÈÍØÍÉÍÍÎÚ×ÔÛÐÖÍÖÈÔ×ÌÇÊÙÔÛÉ×ÊèÔ×Ù×ÊÈÓÖÓÙÛÈ×ÏÛÃÚ× ØÓÉÊ×ÕÛÊØ×ØÓÖÈÔ×ÌÊÓÏ×ÙÍÎÈÊÛÙÈÍÊÔÛÉÊ×ÛÉÍÎÈÍÚ×ÐÓ×Æ×ÈÔÛÈÈÔ× ÓÎÖÍÊÏÛÈÓÍÎÙÍÎÈÛÓÎ×ØÓÎÈÔ×Ù×ÊÈÓÖÓÙÛÈ×ÓÉÎÍÈÛÙÙÇÊÛÈ×ÍÊÙÍÏÌÐ×È× ûÌ×ÊÉÍÎÅÔÍØÍ×ÉÎÍÈÙÍÏÌÐÃÅÓÈÔÌÛÊÛÕÊÛÌÔÍÖÈÔÓÉÉÇÚÉ×ÙÈÓÍÎ ÏÛÃ×ÉÈÛÚÐÓÉÔ×ÎÈÓÈÐ×Ï×ÎÈÈÍÈÔ×Ø×ØÇÙÈÓÍÎÚÃÌÊ×É×ÎÈÓÎÕÖÛÙÈÉÎ×Ù×ÉÉÛÊÃÈÍ ÉÇÌÌÍÊÈÈÔ××ÎÈÓÈÐ×Ï×ÎÈÚÇÈÈÔ×ÚÇÊØ×ÎÍÖÌÊÍÍÖÓÉÍÎÈÔÛÈÌ×ÊÉÍÎ Study Session - March 13, 2013 - Page 86 of 125 ôú èÔ×Ø×ÌÛÊÈÏ×ÎÈÏÛÃÌÊ×ÉÙÊÓÚ×ÛÖÍÊÏÖÍÊÈÔ×Ù×ÊÈÓÖÓÙÛÈ×Ø×ÉÙÊÓÚ×Ø ÓÎÌÛÊÛÕÊÛÌÔÉÇÚØÓÆÓÉÓÍÎÚÍÖÈÔÓÉÉÇÚÉ×ÙÈÓÍÎèÔ×Ø×ÌÛÊÈÏ×ÎÈÏÛÃÛÐÉÍ ÛØÍÌÈÊÇÐ×ÉÈÔÛÈØ×ÉÙÊÓÚ×ÈÔ×ÈÊÛÎÉÛÙÈÓÍÎÉÅÓÈÔÊ×ÉÌ×ÙÈÈÍÅÔÓÙÔÛÌ×ÊÉÍÎÓÉ ÎÍÈ×ÎÈÓÈÐ×ØÈÍÊ×ÐÃÉÍÐ×ÐÃÍÎÈÔ×ÓÎÖÍÊÏÛÈÓÍÎÙÍÎÈÛÓÎ×ØÓÎÈÔ×Ù×ÊÈÓÖÓÙÛÈ× ÌÊÍÆÓØ×ØÓÎÌÛÊÛÕÊÛÌÔÉÇÚØÓÆÓÉÓÍÎÚÍÖÈÔÓÉÉÇÚÉ×ÙÈÓÍÎÚÇÈÏÇÉÈÓÎÉÈ×ÛØ ÍÚÈÛÓÎÉÇÙÔÛØØÓÈÓÍÎÛÐÓÎÖÍÊÏÛÈÓÍÎÛÉÊ×ËÇÓÊ×ØÓÎÍÊØ×ÊÈÍÚ××ÎÈÓÈÐ×ØÈÍÈÔ× Ø×ØÇÙÈÓÍÎ óÖÛÌÊÓÏ×ÙÍÎÈÊÛÙÈÍÊÓÉ×ÎÈÓÈÐ×ØÈÍÛØ×ØÇÙÈÓÍÎÚÃÙÍÏÌÐÃÓÎÕÅÓÈÔ ÌÛÊÛÕÊÛÌÔÍÖÈÔÓÉÉÇÚÉ×ÙÈÓÍÎÈÔ×Ø×ÌÛÊÈÏ×ÎÈÏÛÃÊ×ËÇÓÊ×ÈÔ×ÌÇÊÙÔÛÉ×ÊÅÔÍ ÙÛÇÉ×ØÈÔ××Ä×ÙÇÈÓÍÎÍÖÈÔ×Ù×ÊÈÓÖÓÙÛÈ×ÈÍ×ÉÈÛÚÐÓÉÔÈÔ×ÛÙÙÇÊÛÙÃÛÎØ ÙÍÏÌÐ×È×Î×ÉÉÍÖÈÔ×ÓÎÖÍÊÏÛÈÓÍÎÊ×ËÇÓÊ×ØÈÍÚ×ÙÍÎÈÛÓÎ×ØÓÎÈÔ×Ù×ÊÈÓÖÓÙÛÈ× ÈÔÛÈÅÍÇÐØ×ÎÈÓÈÐ×ÈÔ×ÌÊÓÏ×ÙÍÎÈÊÛÙÈÍÊÈÍÈÔ×Ø×ØÇÙÈÓÍÎóÖÈÔ×ÌÇÊÙÔÛÉ×Ê ÙÛÎÎÍÈ×ÉÈÛÚÐÓÉÔÈÔ×ÛÙÙÇÊÛÙÃÛÎØÙÍÏÌÐ×È×Î×ÉÉÍÖÈÔ×ÓÎÖÍÊÏÛÈÓÍÎÈÔ× ÌÇÊÙÔÛÉ×ÊÓÉÐÓÛÚÐ×ÓÎÛÎÛÏÍÇÎÈ×ËÇÛÐÈÍÛÎÃÈÛÄÌ×ÎÛÐÈÃÛÎØÓÎÈ×Ê×ÉÈÈÔÛÈ ÈÔ×ÌÊÓÏ×ÙÍÎÈÊÛÙÈÍÊÅÍÇÐØÔÛÆ×Ú××ÎÊ×ËÇÓÊ×ØÈÍÌÛÃÇÎØ×ÊÛÊÈÓÙÐ×ÍÖÈÔÓÉ ÙÔÛÌÈ×ÊÓÖÈÔ×ÌÊÓÏ×ÙÍÎÈÊÛÙÈÍÊÔÛØÎÍÈÙÍÏÌÐÓ×ØÅÓÈÔÌÛÊÛÕÊÛÌÔÍÖÈÔÓÉ ÉÇÚÉ×ÙÈÓÍÎìÛÃÏ×ÎÈÍÖÈÔ×ÛÏÍÇÎÈÇÎØ×ÊÈÔÓÉÌÛÊÛÕÊÛÌÔ×Ä×ÏÌÈÉÈÔ×ÌÇÊÙÔÛÉ×Ê ÖÊÍÏÐÓÛÚÓÐÓÈÃÖÍÊÛÎÃÈÛÄÓÏÌÍÉ×ØÇÎØ×ÊÛÊÈÓÙÐ×ÍÖÈÔÓÉÙÔÛÌÈ×ÊèÔ× ÛÏÍÇÎÈÉÔÛÐÐÚ×ÈÊ×ÛÈ×ØÛÉÛÈÊÛÎÉÛÙÈÓÍÎÌÊÓÆÓÐ×Õ×ÈÛÄÈÍÈÔ×ÌÇÊÙÔÛÉ×ÊÛÎØ ÛÉÈÛÄÊ×Æ×ÎÇ×ÉÙÍÐÐ×ÙÈ×ØÖÊÍÏÈÔ×ÌÊÓÏ×ÙÍÎÈÊÛÙÈÍÊÓÎÍÊØ×ÊÈÍØ×ÉÓÕÎÛÈ×ÈÔ× ØÓÉÈÊÓÚÇÈÓÍÎÚÛÉ×ÖÍÊÌÇÊÌÍÉ×ÉÍÖÉ×ÙÈÓÍÎ øéÇÚÙÍÎÈÊÛÙÈÍÊÉÍÊÍÈÔ×ÊÉÅÔÍÌ×ÊÖÍÊÏÉ×ÊÆÓÙ×ÉÓÎÊ×ÉÌ×ÙÈÈÍÛÎÃ ÓÏÌÊÍÆ×Ï×ÎÈÚÇÓÐØÓÎÕÔÓÕÔÅÛÃÊÍÛØÊÛÓÐÊÍÛØ×ÄÙÛÆÛÈÓÍÎÏÛÎÇÖÛÙÈÇÊ×Ø ÚÇÓÐØÓÎÕÍÊÍÈÔ×ÊÉÈÊÇÙÈÇÊ×ÌÊÍÒ×ÙÈØ×Æ×ÐÍÌÏ×ÎÈÍÊÓÏÌÊÍÆ×Ï×ÎÈÛÊ×ÎÍÈ ÉÇÚÒ×ÙÈÈÍÈÛÄÓÖÈÔ×ÃÙÛÎØ×ÏÍÎÉÈÊÛÈ×ÈÔÛÈÈÔ×ÒÍÚÅÛÉÅÓÈÔÓÎÈÔ×ÙÍÎÈÊÍÐÍÖ ÛÌÊÓÏ×ÙÍÎÈÊÛÙÈÍÊÍÊÙÍÎÈÊÛÙÈÍÊÉÍÊÛØ×ÛÐ×ÊÉÔÓÌÍÖÏÛÎÇÖÛÙÈÇÊ×ØÚÇÓÐØÓÎÕÉ ÛÎØÈÔÛÈÈÔ×ÌÊÓÏ×ÙÍÎÈÊÛÙÈÍÊÍÊØ×ÛÐ×ÊÉÔÓÌÓÉÐÓÛÚÐ×ÖÍÊÈÔ×ÈÛÄÍÎÈÔ× ÕÊÍÉÉÓÎÙÍÏ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉÊ×Ù×ÓÌÈÉÛÈÈÊÓÚÇÈÛÚÐ×ÈÍÈÔ× ÒÍÚÛÎØÖÊÍÏÅÔÓÙÔÈÔ×ÉÇÚÙÍÎÈÊÛÙÈÍÊÉÍÊÍÈÔ×ÊÉÅ×Ê×ÌÛÓØ ÷ûÏÍÇÎÈÉÊ×Ù×ÓÆ×ØÚÃÛÙÍÎÈÊÛÙÈÍÊÖÍÊÛÌÊÍÒ×ÙÈÛÊ××ÄÙÐÇØ×ØÖÊÍÏ ÈÔ×ÙÍÎÈÊÛÙÈÍÊÉÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ×Ø×ÊÓÆ×ØÖÊÍÏÈÔ× ÚÇÉÓÎ×ÉÉÓÖÈÔ×Ì×ÊÉÍÎÅÔÍÔÓÊ×ØÈÔ×ÙÍÎÈÊÛÙÈÍÊ×Ä×ÙÇÈ×ÉÛÎØÌÊÍÆÓØ×ÉÛ Ù×ÊÈÓÖÓÙÛÈ×ÈÍÈÔ×ÙÍÎÈÊÛÙÈÍÊÉÈÛÈÓÎÕÈÔÛÈÈÔ×Ì×ÊÉÍÎÌÊÍÆÓØÓÎÕÈÔ× Ù×ÊÈÓÖÓÙÛÈ×ÓÉÛÌÊÓÏ×ÙÍÎÈÊÛÙÈÍÊÛÎØÓÉÐÓÛÚÐ×ÖÍÊÈÔ×ÈÛÄÇÎØ×ÊÛÊÈÓÙÐ× ÍÖÈÔÓÉÙÔÛÌÈ×ÊèÔ×Ø×ÌÛÊÈÏ×ÎÈÉÔÛÐÐÌÊ×ÉÙÊÓÚ×ÈÔ×ÖÍÊÏÍÖÈÔ×Ù×ÊÈÓÖÓÙÛÈ× óÖÈÔ×ÙÍÎÈÊÛÙÈÍÊÔÛÉÊ×ÛÉÍÎÈÍÚ×ÐÓ×Æ×ÈÔÛÈÈÔ×ÓÎÖÍÊÏÛÈÓÍÎÙÍÎÈÛÓÎ×ØÍÎÈÔ× Ù×ÊÈÓÖÓÙÛÈ×ÓÉ×ÊÊÍÎ×ÍÇÉÍÊÓÎÙÍÏÌÐ×È×ÈÔ×Ø×ÌÛÊÈÏ×ÎÈÏÛÃØÓÉÊ×ÕÛÊØÈÔ× Ù×ÊÈÓÖÓÙÛÈ×óÖÈÔ×Ì×ÊÉÍÎÅÔÍÌÊÍÆÓØ×ÉÈÔ×Ù×ÊÈÓÖÓÙÛÈ×ÓÉÎÍÈÐÓÛÚÐ×ÖÍÊ ÈÔ×ÈÛÄÛÉÛÌÊÓÏ×ÙÍÎÈÊÛÙÈÍÊÈÔÛÈÌ×ÊÉÍÎÓÉÎ×Æ×ÊÈÔ×Ð×ÉÉØ××Ï×ØÈÍÚ×ÈÔ× ÌÊÓÏ×ÙÍÎÈÊÛÙÈÍÊÓÎÐÓ×ÇÍÖÈÔ×ÙÍÎÈÊÛÙÈÍÊÛÎØÓÉÉÇÚÒ×ÙÈÈÍÈÔ×ÈÛÄÇÎØ×Ê ÈÔÓÉÉ×ÙÈÓÍÎÍÎÈÔ×ÕÊÍÉÉÊ×Ù×ÓÌÈÉÍÊÕÊÍÉÉÌÊÍÙ××ØÉÊ×Ù×ÓÆ×ØÚÃÈÔ× ÙÍÎÈÊÛÙÈÍÊ ö÷Æ×ÊÃÌ×ÊÉÍÎ×ÎÕÛÕÓÎÕÍÊÙÍÎÈÓÎÇÓÎÕÓÎÈÔÓÉÉÈÛÈ×ÓÎÈÔ×ÚÇÉÓÎ×ÉÉ ÍÖÌÊÓÏ×ÙÍÎÈÊÛÙÈÓÎÕÍÊØ×ÛÐ×ÊÉÔÓÌÍÖÏÛÎÇÖÛÙÈÇÊ×ØÚÇÓÐØÓÎÕÉÉÔÛÐÐÌÊ×É×ÎÈÈÍ ÈÔ×ÌÇÊÙÔÛÉ×ÊÍÖÉÇÙÔÌÊÓÏ×ÙÍÎÈÊÛÙÈÓÎÕÍÊÏÛÎÇÖÛÙÈÇÊ×ØÚÇÓÐØÓÎÕÛÅÊÓÈÈ×Î Study Session - March 13, 2013 - Page 87 of 125 ôú Ê×Ù×ÓÌÈÍÖÈÔ×ÕÊÍÉÉÓÎÙÍÏ×ÍÊÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÖÊÍÏÉÇÙÔÛÙÈÓÆÓÈÃÛÎØ ÉÔÛÐÐÉ×ÌÛÊÛÈ×ÐÃÉÈÛÈ×ÈÔ×ÈÛÄ×ÉÈÍÚ×ÌÛÓØÌÇÊÉÇÛÎÈÈÍÈÔÓÉÉ×ÙÈÓÍÎ õöÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÉ×ÙÈÓÍÎ ÈÔ×Ø×ÌÛÊÈÏ×ÎÈÉÔÛÐÐ É×ÌÛÊÛÈ×ÐÃÛÙÙÍÇÎÈÖÍÊÊ×Æ×ÎÇ×ÉÙÍÐÐ×ÙÈ×ØÇÎØ×ÊÈÔ×ÌÊÓÏ×ÙÍÎÈÊÛÙÈÓÎÕ ÙÐÛÉÉÓÖÓÙÛÈÓÍÎÖÊÍÏÛÎÃÌÊÓÏ×ÙÍÎÈÊÛÙÈÍÊ×ÎÕÛÕ×ØÓÎÈÔ×ÌÊ×ÌÛÊÛÈÓÍÎÍÊ ÙÍÎÉÈÊÇÙÈÓÍÎÍÖÛÏÇÐÈÓÌÇÊÌÍÉ×ÖÛÙÓÐÓÈÃÛÎØÊ×ÐÛÈ×ØÓÎÖÊÛÉÈÊÇÙÈÇÊ×ÈÔÛÈÓÉ ÍÅÎ×ØÍÌ×ÊÛÈ×ØÍÊÐ×ÛÉ×ØÚÃÈÔ×ÈÍÇÊÓÉÏÛÎØÉÌÍÊÈÉÛÇÈÔÍÊÓÈÃÌÇÊÉÇÛÎÈÈÍ ÈÓÈÐ×ÙÔÛÌÈ×Ê ôöÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÉ×ÙÈÓÍÎ ÖÊÍÏÛÎØÛÖÈ×Êé×ÌÈ×ÏÚ×Ê ÈÔ×Ø×ÌÛÊÈÏ×ÎÈÉÔÛÐÐÉ×ÌÛÊÛÈ×ÐÃÛÙÙÍÇÎÈÖÍÊÊ×Æ×ÎÇ×ÉÊ×ÌÍÊÈ×ØÛÎØ ÙÍÐÐ×ÙÈ×ØÇÎØ×ÊÈÔ×ÌÊÓÏ×ÙÍÎÈÊÛÙÈÓÎÕÙÐÛÉÉÓÖÓÙÛÈÓÍÎÖÊÍÏÛÎÃÌÊÓÏ× ÙÍÎÈÊÛÙÈÍÊ×ÎÕÛÕ×ØÓÎÈÔ×ÙÍÎÉÈÊÇÙÈÓÍÎÍÖÛÎÃÚÇÓÐØÓÎÕÉÛÎØÛÉÉÍÙÓÛÈ×Ø ÓÏÌÊÍÆ×Ï×ÎÈÉÈÔÛÈÛÊ×ÖÍÊÈÔ×Ú×Î×ÖÓÈÍÖÛÏÛÎÇÖÛÙÈÇÊÓÎÕÖÛÙÓÐÓÈÃöÍÊÈÔ× ÌÇÊÌÍÉ×ÉÍÖÈÔÓÉÉÇÚÉ×ÙÈÓÍÎÛÉÉÍÙÓÛÈ×ØÓÏÌÊÍÆ×Ï×ÎÈÉÛÎØÏÛÎÇÖÛÙÈÇÊÓÎÕ ÖÛÙÓÐÓÈÃÔÛÆ×ÈÔ×ÉÛÏ×Ï×ÛÎÓÎÕÉÌÊ×ÉÙÊÓÚ×ØÓÎÉ×ÙÈÓÍÎ óèÔ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ×Ø×ÊÓÆ×ØÖÊÍÏÛÙÍÎÈÊÛÙÈ ÖÍÊÐÛÅÎÏÛÓÎÈ×ÎÛÎÙ×É×ÊÆÓÙ×ÉÛÊ×ÎÍÈÉÇÚÒ×ÙÈÈÍÈÛÄÇÎØ×ÊÈÔÓÉÉ×ÙÈÓÍÎÓÖ ÈÔ×ÙÍÎÈÊÛÙÈØÍ×ÉÎÍÈÓÎÙÐÇØ×ÐÛÎØÉÙÛÌÓÎÕÛÙÈÓÆÓÈÓ×ÉðÛÅÎÏÛÓÎÈ×ÎÛÎÙ× É×ÊÆÓÙ×ÓÉÛÉ×ÊÆÓÙ×ÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎûÌÛÊÛÕÊÛÌÔ ÛÎØÓÎÙÐÇØ×ÉÐÛÅÎÏÍÅÓÎÕÛÎØ×ØÕÓÎÕÅ××ØÓÎÕÊ×ÌÛÓÊÓÎÕÉÌÊÓÎÑÐ×ÊÔ×ÛØÉÍÊ ØÊÓÌÓÊÊÓÕÛÈÓÍÎÔ×ÛØÉÉ×ÛÉÍÎÛÐÊ×ÌÐÛÙ×Ï×ÎÈÍÖÖÐÍÅ×ÊÉÊ×ÖÊ×ÉÔÓÎÕÕÊÛÆ×Ð ÐÛÅÎØ×ÈÔÛÈÙÔÓÎÕÉ××ØÓÎÕÅÓÎÈ×ÊÐÛÅÎÉÐ×ÛÖÛÎØØ×ÚÊÓÉÙÍÐÐ×ÙÈÓÍÎÛÎØ Ê×ÏÍÆÛÐÈÊ××ÍÊÉÔÊÇÚÌÊÇÎÓÎÕÍÊÙÐÓÌÌÓÎÕÕÛÊØ×ÎÛÎØÕÊÛÆ×ÐÊÛÑÓÎÕÛÎØ ÛÌÌÐÃÓÎÕÌ×ÉÈÓÙÓØ×ÉÛÉØ×ÖÓÎ×ØÓÎÉ×ÙÈÓÍÎ ÛÎØÖ×ÊÈÓÐÓÂ×ÊÏÛÈ×ÊÓÛÐÉ ÛÉØ×ÖÓÎ×ØÓÎÉ×ÙÈÓÍÎ òèÔ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ×Ø×ÊÓÆ×ØÖÊÍÏ ÐÛÎØÉÙÛÌÓÎÕÛÙÈÓÆÓÈÓ×ÉÛÊ×ÉÇÚÒ×ÙÈÈÍÈÛÄÇÎØ×ÊÈÔÓÉÉ×ÙÈÓÍÎðÛÎØÉÙÛÌÓÎÕ ÓÎÙÐÇØ×ÉÓÎÉÈÛÐÐÓÎÕÐÛÅÎÉÕÊÛØÓÎÕÍÊÐ×Æ×ÐÓÎÕÕÊÍÇÎØÓÎÉÈÛÐÐÓÎÕÕÊÛÆ×ÐÍÊ ÚÍÇÐØ×ÊÉÌÐÛÎÈÓÎÕÈÊ××ÉÛÎØÍÈÔ×ÊÌÐÛÎÈÉÖ×ÐÐÓÎÕÈÊ××ÉÊ×ÏÍÆÓÎÕÍÊ ÏÇÐÙÔÓÎÕÈÊ××ÉÈÇÏÌÉÊ×ÏÍÆÓÎÕÍÈÔ×ÊÓÏÚ×ØØ×ØÌÐÛÎÈÉÚÇÓÐØÓÎÕÍÊÏÍØÓÖÃÓÎÕ ÓÊÊÓÕÛÈÓÍÎÚ×ÊÏÉÊ×ÌÛÓÊÓÎÕÉÌÊÓÎÑÐ×ÊÍÊÅÛÈ×ÊÓÎÕÉÃÉÈ×ÏÉÓÎÉÈÛÐÐÓÎÕ ÊÛÓÐÊÍÛØÈÓ×ÉÛÎØÓÎÉÈÛÐÐÓÎÕÇÎØ×ÊÕÊÍÇÎØÉÌÊÓÎÑÐ×ÊÍÊÅÛÈ×ÊÓÎÕÉÃÉÈ×ÏÉ ñèÔ×ÌÍÊÈÓÍÎÍÖÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ×ÛÈÈÊÓÚÇÈÛÚÐ× ÈÍÈÔ×ÛÙÈÇÛÐØÓÊ×ÙÈÙÍÉÈÉÍÖÌÊÍÆÓØÓÎÕÛÊÙÔÓÈ×ÙÈÇÊÛÐÍÊ×ÎÕÓÎ××ÊÓÎÕÉ×ÊÆÓÙ×É ÈÔÛÈÛÊ×ÓÎÙÍÊÌÍÊÛÈ×ØÓÎÛÙÍÎÈÊÛÙÈÓÉÎÍÈÉÇÚÒ×ÙÈÈÍÈÛÄÇÎØ×ÊÈÔÓÉÉ×ÙÈÓÍÎ öÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÈÔÓÉÉÇÚÉ×ÙÈÓÍÎØÓÊ×ÙÈÙÍÉÈÉÏ×ÛÎÉÈÔ×ÌÍÊÈÓÍÎÍÖÈÔ× ÛÙÈÇÛÐÙÍÉÈÉÈÔÛÈÛÊ×ØÓÊ×ÙÈÐÃ×ÄÌ×ÎØ×ØÓÎÌÊÍÆÓØÓÎÕÛÊÙÔÓÈ×ÙÈÇÊÛÐÍÊ ×ÎÕÓÎ××ÊÓÎÕÉ×ÊÆÓÙ×É ðíÌ×ÊÛÈÓÎÕÛÐÛÎØÖÓÐÐÍÊÛÉÍÐÓØÅÛÉÈ×ØÓÉÌÍÉÛÐÖÛÙÓÐÓÈÃÓÉÎÍÈ ÉÇÚÒ×ÙÈÈÍÈÛÄÛÈÓÍÎÇÎØ×ÊÈÔÓÉÉ×ÙÈÓÍÎÓÎÙÐÇØÓÎÕÖÓÐÐÓÎÕÙÍÏÌÛÙÈÓÎÕÛÎØ ÙÊ×ÛÈÓÎÕÆ×ÔÓÙÐ×ÛÙÙ×ÉÉÈÍÛÎØÖÊÍÏÙ×ÐÐÉÓÈ×ÉÅÓÈÔÓÎÈÔ×ÐÛÎØÖÓÐÐ ùÍÎÉÈÊÇÙÈÓÎÕÊÍÛØÉÈÍÛÐÛÎØÖÓÐÐÍÊÉÍÐÓØÅÛÉÈ×ØÓÉÌÍÉÛÐÖÛÙÓÐÓÈÃÛÎØ ÙÍÎÉÈÊÇÙÈÓÎÕÙ×ÐÐÉÅÓÈÔÓÎÛÐÛÎØÖÓÐÐÍÊÉÍÐÓØÅÛÉÈ×ØÓÉÌÍÉÛÐÖÛÙÓÐÓÈÃÏÛÃÚ× Ø××Ï×ØÌÊÓÏ×ÙÍÎÈÊÛÙÈÓÎÕÇÎØ×ÊÈÔÓÉÉ×ÙÈÓÍÎ Study Session - March 13, 2013 - Page 88 of 125 ôú ïùèÔ×ÖÍÐÐÍÅÓÎÕÛÌÌÐÃÈÍóîø÷è÷êïóîóîõèô÷èûäûúð÷éóèçéíö éûð÷éíöÏÛÎÇÖÛÙÈÇÊ×ØÚÇÓÐØÓÎÕÉ öÍÊÉÛÐ×ÉÓÎÈÔÓÉÉÈÛÈ×ÅÔ×Ê×ÈÔ×Ø×ÛÐ×ÊÉÔÓÌÍÖÏÛÎÇÖÛÙÈÇÊ×Ø ÚÇÓÐØÓÎÕÉúçóðøóîõø÷ûð÷êÙÍÎÈÊÛÙÈÉÈÍØ×ÐÓÆ×ÊÈÔ×ÚÇÓÐØÓÎÕÈÍÛÉ×ÈÇÌÉÓÈ× ÍÊÈÍÌ×ÊÖÍÊÏÈÔ×É×ÈÇÌÓÎÈÔÓÉÉÈÛÈ×ÈÔ×ÈÛÄÛÚÐ×ÉÓÈÇÉÓÉÈÔ×É×ÈÇÌÉÓÈ× Ø×ÛÐ×ÊÉÔÓÌÍÖÏÛÎÇÖÛÙÈÇÊ×Ø ÚÇÓÐØÓÎÕÉúçóðøóîõø÷ûð÷êØÍ×ÉÎÍÈÙÍÎÈÊÛÙÈÈÍØ×ÐÓÆ×ÊÈÔ×ÚÇÓÐØÓÎÕÈÍÛ É×ÈÇÌÉÓÈ×ÍÊØÍ×ÉÎÍÈÌ×ÊÖÍÊÏÈÔ×É×ÈÇÌÈÔ×ÈÛÄÛÚÐ×ÉÓÈÇÉÓÉÈÔ×ÐÍÙÛÈÓÍÎ ÍÖÈÔ×Ø×ÛÐ×ÊÉÔÓÌÅÔ×Ê×ÈÔ×ÚÇÓÐØÓÎÕÓÉØ×ÐÓÆ×Ê×ØÈÍÈÔ×ÚÇÃ×Ê öÍÊÉÛÐ×ÉÓÎÈÔÓÉÉÈÛÈ×ÅÔ×Ê×ÈÔ×Ø×ÛÐ×ÊÉÔÓÌÍÖÏÛÎÇÖÛÙÈÇÊ×Ø ÚÇÓÐØÓÎÕÉúçóðøóîõø÷ûð÷êÙÍÎÈÊÛÙÈÉÈÍØ×ÐÓÆ×ÊÈÔ×ÚÇÓÐØÓÎÕÈÍÛÉ×ÈÇÌÉÓÈ× ÈÔÛÈÓÉÍÇÈÉÓØ×ÈÔÓÉÉÈÛÈ×ÈÔ×ÉÓÈÇÉÓÉÍÇÈÉÓØ×ÈÔÓÉÉÈÛÈ×ÛÎØÈÔ× ÈÊÛÎÉÛÙÈÓÍÎÓÉ×ÄÙÐÇØ×ØÖÊÍÏÈÛÄ îèÔ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ×ÛÈÈÊÓÚÇÈÛÚÐ×ÈÍÛ É×ÌÛÊÛÈ×ÅÊÓÈÈ×ÎØ×ÉÓÕÎÌÔÛÉ×É×ÊÆÓÙ×ÉÙÍÎÈÊÛÙÈÍÊÌÊÍÖ×ÉÉÓÍÎÛÐÉ×ÊÆÓÙ×É ÙÍÎÈÊÛÙÈ×Ä×ÙÇÈ×ØÚ×ÖÍÊ×ÏÍØÓÖÓÙÛÈÓÍÎÚ×ÕÓÎÉÓÉÎÍÈÉÇÚÒ×ÙÈÈÍÈÛÄÇÎØ×Ê ÈÔÓÉÉ×ÙÈÓÍÎÊ×ÕÛÊØÐ×ÉÉÍÖÅÔ×ÈÔ×ÊÈÔ×É×ÊÆÓÙ×ÉÛÊ×ÌÊÍÆÓØ×ØÉ×ËÇ×ÎÈÓÛÐÈÍ ÍÊÙÍÎÙÇÊÊ×ÎÈÅÓÈÔÌÊÓÏ×ÙÍÎÈÊÛÙÈÓÎÕÛÙÈÓÆÓÈÓ×ÉÈÔÛÈÛÊ×ÉÇÚÒ×ÙÈÈÍÈÛÄÇÎØ×Ê ÈÔÓÉÉ×ÙÈÓÍÎèÔÓÉÉÇÚÉ×ÙÈÓÍÎØÍ×ÉÎÍÈÓÎÙÐÇØ×ÈÔ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×É ÍÊÕÊÍÉÉÓÎÙÍÏ×ÛÈÈÊÓÚÇÈÛÚÐ×ÈÍÙÍÎÉÈÊÇÙÈÓÍÎÌÔÛÉ×É×ÊÆÓÙ×ÉöÍÊÈÔ× ÌÇÊÌÍÉ×ÉÍÖÈÔÓÉÉÇÚÉ×ÙÈÓÍÎ ùÍÎÉÈÊÇÙÈÓÍÎÌÔÛÉ×É×ÊÆÓÙ×ÉÏ×ÛÎÉÉ×ÊÆÓÙ×ÉÖÍÊÈÔ××Ä×ÙÇÈÓÍÎÛÎØ ÙÍÏÌÐ×ÈÓÍÎÍÖÛÎÃÏÍØÓÖÓÙÛÈÓÍÎÓÎÙÐÇØÓÎÕÈÔ×ÖÍÐÐÍÅÓÎÕ ÛûØÏÓÎÓÉÈÊÛÈÓÍÎÍÊÉÇÌ×ÊÆÓÉÓÍÎÍÖÛÎÃÏÍØÓÖÓÙÛÈÓÍÎÌ×ÊÖÍÊÏ×ØÍÎÈÔ× ÌÊÍÒ×ÙÈÓÎÙÐÇØÓÎÕÈ×ÛÏÏÛÎÛÕ×Ï×ÎÈÛÎØÙÍÍÊØÓÎÛÈÓÍÎÉÙÔ×ØÇÐÓÎÕÙÍÉÈ ÙÍÎÈÊÍÐÉÉÇÚÏÓÈÈÛÐÌÊÍÙ×ÉÉÏÛÎÛÕ×Ï×ÎÈÖÓ×ÐØÏÛÎÛÕ×Ï×ÎÈÉÛÖ×ÈÃÌÊÍÕÊÛÏ ÙÐÍÉ×ÍÇÈÌÊÍÙ×ÉÉÛÎØÅÛÊÊÛÎÈÃÌ×ÊÓÍØÉ×ÊÆÓÙ×É ÚûØÏÓÎÓÉÈÊÛÈÓÍÎÍÊÉÇÌ×ÊÆÓÉÓÍÎÍÖÛÎÃÏÍØÓÖÓÙÛÈÓÍÎÌ×ÊÖÍÊÏ×Ø ÌÇÊÉÇÛÎÈÈÍÛÌÇÎÙÔÐÓÉÈöÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÈÔÓÉÉÇÚØÓÆÓÉÓÍÎÌÇÎÙÔÐÓÉÈ Ï×ÛÎÉÏÓÎÍÊÓÈ×ÏÉÍÖÏÍØÓÖÓÙÛÈÓÍÎÅÍÊÑÌ×ÊÖÍÊÏ×ØÛÖÈ×ÊÉÇÚÉÈÛÎÈÓÛÐÙÍÏÌÐ×ÈÓÍÎ ÛÎØÚ×ÖÍÊ×ÖÓÎÛÐÙÍÏÌÐ×ÈÓÍÎÍÖÈÔ×ÌÊÍÒ×ÙÈ ÙûØÏÓÎÓÉÈÊÛÈÓÍÎÍÊÉÇÌ×ÊÆÓÉÓÍÎÍÖÛÎÃÏÍØÓÖÓÙÛÈÓÍÎÌ×ÊÖÍÊÏ×Ø ÌÇÊÉÇÛÎÈÈÍÙÔÛÎÕ×ÍÊØ×ÊÉöÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÈÔÓÉÉÇÚØÓÆÓÉÓÍÎÙÔÛÎÕ× ÍÊØ×ÊÏ×ÛÎÉÛÅÊÓÈÈ×ÎÓÎÉÈÊÇÏ×ÎÈÓÉÉÇ×ØÛÖÈ×Ê×Ä×ÙÇÈÓÍÎÍÖÛÙÍÎÈÊÛÙÈÖÍÊ ÏÍØÓÖÓÙÛÈÓÍÎÅÍÊÑÌÊÍÆÓØÓÎÕÖÍÊÛÐÐÍÖÈÔ×ÖÍÐÐÍÅÓÎÕ ÓèÔ×ÉÙÍÌ×ÍÖÛÙÔÛÎÕ×ÓÎÈÔ×ÏÍØÓÖÓÙÛÈÓÍÎÅÍÊÑÙÍÎÈÊÛÙÈÖÍÊ ÏÍØÓÖÓÙÛÈÓÍÎÅÍÊÑÍÊÍÈÔ×ÊÙÍÎÈÊÛÙÈØÍÙÇÏ×ÎÈÉ ÓÓèÔ×ÛÏÍÇÎÈÍÖÛÎÛØÒÇÉÈÏ×ÎÈÓÖÛÎÃÈÍÈÔ×ÕÇÛÊÛÎÈ××ØÏÛÄÓÏÇÏ ÌÊÓÙ×ÛÉÉ×ÈÓÎÈÔ×ÙÍÎÈÊÛÙÈÖÍÊÏÍØÓÖÓÙÛÈÓÍÎÅÍÊÑöÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÈÔÓÉ ÓÈ×ÏÕÇÛÊÛÎÈ××ØÏÛÄÓÏÇÏÌÊÓÙ×Ï×ÛÎÉÈÔ×ÛÏÍÇÎÈÕÇÛÊÛÎÈ××ØÈÍÚ×ÈÔ× ÏÛÄÓÏÇÏÛÏÍÇÎÈØÇ×ÈÍÛÌÊÓÏ×ÙÍÎÈÊÛÙÈÍÊÖÍÊÈÔ×Ì×ÊÖÍÊÏÛÎÙ×ÍÖÛÐÐ ÏÍØÓÖÓÙÛÈÓÍÎÅÍÊÑÖÍÊÈÔ×ÌÊÍÒ×ÙÈ ÓÓÓèÔ××ÄÈ×ÎÈÍÖÛÎÛØÒÇÉÈÏ×ÎÈÓÖÛÎÃÈÍÈÔ×ÙÍÎÈÊÛÙÈÈÓÏ×ÍÖ Ì×ÊÖÍÊÏÛÎÙ×É×ÈÖÍÊÈÔÓÎÈÔ×ÙÍÎÈÊÛÙÈ Study Session - March 13, 2013 - Page 89 of 125 ôú ØûØÏÓÎÓÉÈÊÛÈÓÍÎÍÊÉÇÌ×ÊÆÓÉÓÍÎÍÖÛÎÃÏÍØÓÖÓÙÛÈÓÍÎÌ×ÊÖÍÊÏ×Ø ÌÇÊÉÇÛÎÈÈÍÙÔÛÎÕ×ØÓÊ×ÙÈÓÆ×ÉöÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÈÔÓÉÉÇÚØÓÆÓÉÓÍÎÙÔÛÎÕ× ØÓÊ×ÙÈÓÆ×Ï×ÛÎÉÛÅÊÓÈÈ×ÎÍÊØ×ÊØÓÊ×ÙÈÓÎÕÛÙÔÛÎÕ×ÓÎÏÍØÓÖÓÙÛÈÓÍÎÅÍÊÑ Ú×ÖÍÊ×ÛÕÊ××Ï×ÎÈÍÎÛÎÛØÒÇÉÈÏ×ÎÈÍÖÈÔ×ÕÇÛÊÛÎÈ××ØÏÛÄÓÏÇÏÌÊÓÙ×ÍÊÙÍÎÈÊÛÙÈ ÈÓÏ× ×óÎÉÌ×ÙÈÓÍÎÈÍØ×È×ÊÏÓÎ×ÈÔ×ØÛÈ×ÉÍÖÉÇÚÉÈÛÎÈÓÛÐÙÍÏÌÐ×ÈÓÍÎÍÊ ÖÓÎÛÐÙÍÏÌÐ×ÈÓÍÎ ÖìÊ×ÌÛÊÛÈÓÍÎÍÖÛÎÃÏÛÎÇÛÐÉÅÛÊÊÛÎÈÓ×ÉÛÉÚÇÓÐÈØÊÛÅÓÎÕÉÉÌÛÊ×É ÍÊÍÈÔ×ÊÓÈ×ÏÉÈÔ×ÌÊÓÏ×ÙÍÎÈÊÛÙÈÍÊÏÇÉÈÖÇÊÎÓÉÔÌÇÊÉÇÛÎÈÈÍÈÔ×ÙÍÎÈÊÛÙÈÖÍÊ ÏÍØÓÖÓÙÛÈÓÍÎÅÍÊÑöÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÈÔÓÉÉÇÚØÓÆÓÉÓÍÎÛÉÚÇÓÐÈØÊÛÅÓÎÕ Ï×ÛÎÉÛØÊÛÅÓÎÕÈÔÛÈÓÎØÓÙÛÈ×ÉÖÓ×ÐØÙÔÛÎÕ×ÉÏÛØ×ÈÍÛØÛÌÈÈÍÖÓ×ÐØ ÙÍÎØÓÈÓÍÎÉÖÓ×ÐØÙÔÛÎÕ×ÉÊ×ÉÇÐÈÓÎÕÖÊÍÏÙÔÛÎÕ×ÍÊØ×ÊÉÍÊÚÇÊÓ×ØÛÎØ ÙÍÎÙ×ÛÐ×ØÓÎÉÈÛÐÐÛÈÓÍÎÍÖÌÓÌÓÎÕÙÍÎØÇÓÈÛÎØÇÈÓÐÓÈÃÉ×ÊÆÓÙ×É ÕìÊ×ÌÛÊÛÈÓÍÎÍÖÉÈÛÈÇÉÊ×ÌÍÊÈÉÛÖÈ×ÊÏÍØÓÖÓÙÛÈÓÍÎÅÍÊÑÔÛÉÚ×ÕÇÎ Ø×ÈÛÓÐÓÎÕÈÔ×ÌÊÍÕÊ×ÉÉÍÖÅÍÊÑÌ×ÊÖÍÊÏ×ØÓÎÙÐÇØÓÎÕÌÊ×ÌÛÊÛÈÓÍÎÍÖÛÎÃÍÖÈÔ× ÖÍÐÐÍÅÓÎÕ ÓïÛÉÈ×ÊÉÙÔ×ØÇÐ×ÇÌØÛÈ×É ÓÓïÍØÓÖÓÙÛÈÓÍÎÅÍÊÑÙÛÉÔÖÐÍÅÌÊÍÒ×ÙÈÓÍÎÇÌØÛÈ×É ÓÓÓéÓÈ×Ê×ÌÍÊÈÉÏÛØ×ÍÎÛÌ×ÊÓÍØÓÙÚÛÉÓÉ ÓÆóØ×ÎÈÓÖÓÙÛÈÓÍÎÍÖØÓÉÙÊ×ÌÛÎÙÓ×ÉÙÍÎÖÐÓÙÈÉÍÊÛÏÚÓÕÇÓÈÓ×ÉÓÎ ÏÍØÓÖÓÙÛÈÓÍÎÅÍÊÑØÍÙÇÏ×ÎÈÉÈÔÛÈÊ×ËÇÓÊ×Ê×ÉÍÐÇÈÓÍÎ ÆóØ×ÎÈÓÖÓÙÛÈÓÍÎÍÖÛÎÃÔ×ÛÐÈÔÛÎØÉÛÖ×ÈÃÓÉÉÇ×ÉÈÔÛÈÔÛÆ×ÛÊÓÉ×ÎÓÎ ÙÍÎÎ×ÙÈÓÍÎÅÓÈÔÈÔ×ÏÍØÓÖÓÙÛÈÓÍÎÅÍÊÑ ÔìÊ×ÌÛÊÛÈÓÍÎÍÖØÛÓÐÃÐÍÕÉÍÖÏÍØÓÖÓÙÛÈÓÍÎÅÍÊÑÓÎÙÐÇØÓÎÕ ØÍÙÇÏ×ÎÈÛÈÓÍÎÍÖÌ×ÊÉÍÎÎ×ÐÅ×ÛÈÔ×ÊÙÍÎØÓÈÓÍÎÉÛÎØÍÎÉÓÈ×ÍÙÙÇÊÊ×ÎÙ×É ÓìÊ×ÌÛÊÛÈÓÍÎÍÖÛÎÃÉÇÚÏÓÈÈÛÐÉÍÊÉÔÍÌØÊÛÅÓÎÕÉÇÉ×ØÚÃÈÔ×ÌÊÓÏ× ÙÍÎÈÊÛÙÈÍÊÈÍÓÐÐÇÉÈÊÛÈ×Ø×ÈÛÓÐÉÍÖÈÔ×ÏÍØÓÖÓÙÛÈÓÍÎÅÍÊÑÌ×ÊÖÍÊÏ×Ø ÒûØÏÓÎÓÉÈÊÛÈÓÍÎÍÊÉÇÌ×ÊÆÓÉÓÍÎÍÖÛÎÃÍÈÔ×ÊÛÙÈÓÆÓÈÓ×ÉÖÍÊÅÔÓÙÔÛ ÌÊÓÏ×ÙÍÎÈÊÛÙÈÍÊÊ×Ù×ÓÆ×ÉÛÙ×ÊÈÓÖÓÙÛÈ×ÖÍÊÌÛÃÏ×ÎÈÍÊÙ×ÊÈÓÖÓÙÛÈ×ÖÍÊÖÓÎÛÐ ÌÛÃÏ×ÎÈÚÛÉ×ØÍÎÈÔ×ÌÊÍÕÊ×ÉÉÍÖÏÍØÓÖÓÙÛÈÓÍÎÅÍÊÑÌ×ÊÖÍÊÏ×ØÍÎÈÔ×ÌÊÍÒ×ÙÈ ø×ÉÓÕÎÌÔÛÉ×É×ÊÆÓÙ×ÉÏ×ÛÎÉÉ×ÊÆÓÙ×ÉÖÍÊØ×Æ×ÐÍÌÓÎÕÛÎØ ÙÍÏÌÐ×ÈÓÎÕÛØ×ÉÓÕÎÖÍÊÛÌÊÍÒ×ÙÈÈÔÛÈÛÊ×ÎÍÈÙÍÎÉÈÊÇÙÈÓÍÎÌÔÛÉ×É×ÊÆÓÙ×É ÓÎÙÐÇØÓÎÕÈÔ×ÖÍÐÐÍÅÓÎÕ Û÷ÆÛÐÇÛÈÓÎÕÉÇÊÆ×ÃÉÊ×ÌÍÊÈÉÈ×ÉÈÊ×ÉÇÐÈÉÍÊÛÎÃÍÈÔ×ÊÓÎÖÍÊÏÛÈÓÍÎ ÍÎÉÓÈ×ÙÍÎØÓÈÓÍÎÉÖÍÊÈÔ×ÌÊÍÒ×ÙÈÓÎÙÐÇØÓÎÕÌÔÃÉÓÙÛÐÙÔÛÊÛÙÈ×ÊÓÉÈÓÙÉÐ×ÕÛÐ ÐÓÏÓÈÛÈÓÍÎÉÛÎØÇÈÓÐÓÈÃÐÍÙÛÈÓÍÎÉÖÍÊÈÔ×ÉÓÈ× Ú÷ÆÛÐÇÛÈÓÎÕÛÎÃÙÊÓÈ×ÊÓÛÍÊÌÊÍÕÊÛÏÏÓÎÕÍÚÒ×ÙÈÓÆ×ÉÖÍÊÈÔ×ÌÊÍÒ×ÙÈ ÈÍÛÉÙ×ÊÈÛÓÎÊ×ËÇÓÊ×Ï×ÎÈÉÖÍÊÈÔ×ÌÊÍÒ×ÙÈÉÇÙÔÛÉÌÔÃÉÓÙÛÐÊ×ËÇÓÊ×Ï×ÎÈÉ ÛÖÖ×ÙÈÓÎÕÙÍÉÈÍÊÌÊÍÒ×ÙÈ×ØÇÈÓÐÓÂÛÈÓÍÎÍÖÈÔ×ÌÊÍÒ×ÙÈ ÙìÊ×ÌÛÊÓÎÕØÊÛÅÓÎÕÉÛÎØÉÌ×ÙÓÖÓÙÛÈÓÍÎÉÖÍÊÛÊÙÔÓÈ×ÙÈÇÊÛÐÌÊÍÕÊÛÏ ØÍÙÇÏ×ÎÈÉÉÙÔ×ÏÛÈÓÙØ×ÉÓÕÎØÍÙÇÏ×ÎÈÉØ×ÉÓÕÎØ×Æ×ÐÍÌÏ×ÎÈØÍÙÇÏ×ÎÈÉ ÏÍØÓÖÓÙÛÈÓÍÎÅÍÊÑØÍÙÇÏ×ÎÈÉÍÊØÍÙÇÏ×ÎÈÉÈÔÛÈÓØ×ÎÈÓÖÃÈÔ×ÉÙÍÌ×ÍÖÍÊ ÏÛÈ×ÊÓÛÐÉÖÍÊÈÔ×ÌÊÍÒ×ÙÈ Study Session - March 13, 2013 - Page 90 of 125 ôú ØìÊ×ÌÛÊÓÎÕÛÎÓÎÓÈÓÛÐÉÙÔ×ØÇÐ×ÖÍÊÈÔ×ÌÊÍÒ×ÙÈ×ÄÙÐÇØÓÎÕÈÔ× ÌÊ×ÌÛÊÛÈÓÍÎÍÖÇÌØÛÈ×ÉÈÍÈÔ×ÏÛÉÈ×ÊÉÙÔ×ØÇÐ×ÛÖÈ×ÊÏÍØÓÖÓÙÛÈÓÍÎÅÍÊÑÔÛÉ Ú×ÕÇÎ ×ìÊ×ÌÛÊÓÎÕÌÊ×ÐÓÏÓÎÛÊÃ×ÉÈÓÏÛÈ×ÉÍÖÙÍÉÈÉÍÖÏÍØÓÖÓÙÛÈÓÍÎÅÍÊÑ Ú×ÖÍÊ×ÙÍÏÌÐ×ÈÓÍÎÍÖÈÔ×ÖÓÎÛÐØ×ÉÓÕÎÍÖÈÔ×ÌÊÍÒ×ÙÈÓÎÙÐÇØÓÎÕÛÎ×ÉÈÓÏÛÈ× ÍÊÉÙÔ×ØÇÐ×ÍÖÆÛÐÇ×ÉÖÍÊÛÎÃÍÖÈÔ×ÖÍÐÐÍÅÓÎÕ ÓðÛÚÍÊÏÛÈ×ÊÓÛÐÉÏÛÙÔÓÎ×ÊÃÛÎØ×ËÇÓÌÏ×ÎÈÈÍÍÐÉÅÛÈ×ÊÔ×ÛÈ ÇÈÓÐÓÈÓ×ÉÈÊÛÎÉÌÍÊÈÛÈÓÍÎÛÎØÍÈÔ×ÊÖÛÙÓÐÓÈÓ×ÉÛÎØÉ×ÊÆÓÙ×ÉÇÉ×ØÓÎÈÔ× ×Ä×ÙÇÈÓÍÎÛÎØÙÍÏÌÐ×ÈÓÍÎÍÖÏÍØÓÖÓÙÛÈÓÍÎÅÍÊÑÊ×ÕÛÊØÐ×ÉÉÍÖÅÔ×ÈÔ×ÊÈÔ×ÃÛÊ× È×ÏÌÍÊÛÊÃÍÊÌ×ÊÏÛÎ×ÎÈÍÊÅÔ×ÈÔ×ÊÈÔ×ÃÛÊ×ÓÎÙÍÊÌÍÊÛÈ×ØÓÎÈÔ× ÏÍØÓÖÓÙÛÈÓÍÎÉ ÓÓèÔ×ÙÍÉÈÍÖÐÛÚÍÊÛÎØÏÛÈ×ÊÓÛÐÉÈÍÚ×ÖÇÊÎÓÉÔ×ØÚÃÈÔ×ÍÅÎ×ÊÍÖ ÈÔ×Ê×ÛÐÌÊÍÌ×ÊÈÃ ÓÓÓèÔ×ÙÍÉÈÍÖÛÎÃ×ËÇÓÌÏ×ÎÈÍÖÈÔ×ÍÅÎ×ÊÍÖÈÔ×Ê×ÛÐÌÊÍÌ×ÊÈÃÈÍ Ú×ÛÉÉÓÕÎ×ØÚÃÈÔ×ÍÅÎ×ÊÈÍÈÔ×ÌÊÓÏ×ÙÍÎÈÊÛÙÈÍÊ ÓÆèÔ×ÙÍÉÈÍÖÛÎÃÐÛÚÍÊÖÍÊÓÎÉÈÛÐÐÛÈÓÍÎÍÖ×ËÇÓÌÏ×ÎÈÉ×ÌÛÊÛÈ×ÐÃ ÌÊÍÆÓØ×ØÚÃÈÔ×ÍÅÎ×ÊÍÖÈÔ×Ê×ÛÐÌÊÍÌ×ÊÈÃÈÔÛÈÔÛÉÚ××ÎØ×ÉÓÕÎ×ØÉÌ×ÙÓÖÓ×Ø É×Ð×ÙÈ×ØÍÊÉÌ×ÙÓÖÓÙÛÐÐÃÌÊÍÆÓØ×ØÖÍÊÓÎÛÎÃØ×ÉÓÕÎØÍÙÇÏ×ÎÈÖÍÊÈÔ×ÌÊÍÒ×ÙÈ ÆûÎÃÖ××ÌÛÓØÚÃÈÔ×ÍÅÎ×ÊÍÖÈÔ×Ê×ÛÐÌÊÍÌ×ÊÈÃÈÍÈÔ×ÌÊÓÏ× ÙÍÎÈÊÛÙÈÍÊÌÇÊÉÇÛÎÈÈÍÈÔ×ÙÍÎÈÊÛÙÈÖÍÊÏÍØÓÖÓÙÛÈÓÍÎÅÍÊÑ ÆÓûÎÃÚÍÎØÛÎØÓÎÉÇÊÛÎÙ×ÌÊ×ÏÓÇÏÉ ÆÓÓûÎÃÛÌÌÐÓÙÛÚÐ×ÈÛÄ×É ÆÓÓÓûÎÃÙÍÎÈÓÎÕ×ÎÙÃÖ××ÉÖÍÊÈÔ×ÌÊÓÏ×ÙÍÎÈÊÛÙÈÍÊÈÔÛÈÏÛÃÚ×ÇÉ×Ø Ú×ÖÍÊ×ÖÓÎÛÐÙÍÏÌÐ×ÈÓÍÎÍÖÈÔ×ÌÊÍÒ×ÙÈ Öê×ÆÓ×ÅÓÎÕÛÎØ×ÆÛÐÇÛÈÓÎÕÙÍÉÈ×ÉÈÓÏÛÈ×ÉÛÎØÌÊÍÒ×ÙÈØÍÙÇÏ×ÎÈÉÈÍ ÌÊ×ÌÛÊ×Ê×ÙÍÏÏ×ÎØÛÈÓÍÎÉÍÎÉÓÈ×ÇÉ×ÉÓÈ×ÓÏÌÊÍÆ×Ï×ÎÈÉÉ×Ð×ÙÈÓÍÎÍÖ ÏÛÈ×ÊÓÛÐÉÚÇÓÐØÓÎÕÉÃÉÈ×ÏÉÛÎØ×ËÇÓÌÏ×ÎÈÏÍØÓÖÓÙÛÈÓÍÎÖ×ÛÉÓÚÓÐÓÈÃ ÛÆÛÓÐÛÚÓÐÓÈÃÍÖÏÛÈ×ÊÓÛÐÉÛÎØÐÛÚÍÊÐÍÙÛÐÏÍØÓÖÓÙÛÈÓÍÎÛÙÈÓÆÓÈÃÛÉÊ×ÐÛÈ×Ø ÈÍÉÙÔ×ØÇÐ×ÉÛÎØÈÓÏ×Ê×ËÇÓÊ×Ï×ÎÈÉÖÍÊÏÍØÓÖÓÙÛÈÓÍÎÅÍÊÑ ÕìÊ×ÌÛÊÓÎÕÈÔ×ÌÐÛÎÛÎØÌÊÍÙ×ØÇÊ×ÉÖÍÊÉ×Ð×ÙÈÓÍÎÍÖÉÇÚÙÍÎÈÊÛÙÈÍÊÉ ÓÎÙÐÇØÓÎÕÛÎÃÌÊ×ËÇÛÐÓÖÓÙÛÈÓÍÎÍÖÉÇÚÙÍÎÈÊÛÙÈÍÊÙÛÎØÓØÛÈ×É ìÊÍÖ×ÉÉÓÍÎÛÐÉ×ÊÆÓÙ×ÉÏ×ÛÎÉÛÊÙÔÓÈ×ÙÈÉ×ÊÆÓÙ×ÉÛÉÉÛÃ×ÊÉ×ÊÆÓÙ×É ×ÎÕÓÎ××ÊÉ×ÊÆÓÙ×ÉÕ×ÍÐÍÕÓÉÈÉ×ÊÆÓÙ×ÉÐÛÎØÉÇÊÆ×ÃÓÎÕÉ×ÊÆÓÙ×ÉÍÊÐÛÎØÉÙÛÌ× ÛÊÙÔÓÈ×ÙÈÉ×ÊÆÓÙ×ÉÈÔÛÈÛÊ×ÅÓÈÔÓÎÈÔ×ÉÙÍÌ×ÍÖÈÔÍÉ×É×ÊÆÓÙ×ÉÛÉÌÊÍÆÓØ×ØÓÎ ÈÓÈÐ× ÙÔÛÌÈ×ÊÛÎØÖÍÊÅÔÓÙÔÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ×ÔÛÉ ÎÍÈÍÈÔ×ÊÅÓÉ×Ú××ÎØ×ØÇÙÈ×ØÇÎØ×ÊÉÇÚÉ×ÙÈÓÍÎñÍÖÈÔÓÉÉ×ÙÈÓÍÎ íîÍÈÅÓÈÔÉÈÛÎØÓÎÕÉÇÚÉ×ÙÈÓÍÎìÌÛÊÛÕÊÛÌÔÍÖÈÔÓÉÉ×ÙÈÓÍÎÛÌ×ÊÉÍÎ ÍÅÎÓÎÕÊ×ÛÐÌÊÍÌ×ÊÈÃÅÔÍ×ÎÈ×ÊÉÓÎÈÍÛÙÍÎÈÊÛÙÈÖÍÊÉÛÐ×ÍÖÈÔ×Ê×ÛÐ ÌÊÍÌ×ÊÈÃÅÔÍÓÉÊ×ÉÌÍÎÉÓÚÐ×ÈÍÈÔ×Î×ÅÍÅÎ×ÊÍÖÈÔ×ÌÊÍÌ×ÊÈÃÖÍÊ ÏÍØÓÖÓÙÛÈÓÍÎÉÏÛØ×ÈÍÈÔ×ÌÊÍÌ×ÊÈÃÓÎÈÔ×Ì×ÊÓÍØÉÇÚÉ×ËÇ×ÎÈÈÍÈÔ×ÈÊÛÎÉÖ×Ê ÍÖÈÓÈÐ×ÛÎØÅÔÍÊ×Ù×ÓÆ×ÉÛÙÍÎÉÓØ×ÊÛÈÓÍÎÖÍÊÈÔ×ÏÍØÓÖÓÙÛÈÓÍÎÉÓÉÙÍÎÉÓØ×Ê×Ø ÛÌÊÓÏ×ÙÍÎÈÊÛÙÈÍÊÉÍÐ×ÐÃÖÍÊÌÇÊÌÍÉ×ÉÍÖÈÛÄÓÎÕÈÔ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ× ÍÊÕÊÍÉÉÓÎÙÍÏ×Ê×Ù×ÓÆ×ØÖÍÊÈÔ×ÏÍØÓÖÓÙÛÈÓÍÎÉÏÛØ×ÉÇÚÉ×ËÇ×ÎÈÈÍÈÔ× ÈÊÛÎÉÖ×ÊÍÖÈÓÈÐ×èÔ×ÍÊÓÕÓÎÛÐÍÅÎ×ÊÉÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÍÊÕÊÍÉÉ Study Session - March 13, 2013 - Page 91 of 125 ôú ÓÎÙÍÏ×Ê×Ù×ÓÆ×ØÖÍÊÈÔ×ÏÍØÓÖÓÙÛÈÓÍÎÉÉÔÛÐÐÚ×Ø×È×ÊÏÓÎ×ØÛÙÙÍÊØÓÎÕÈÍÈÔ× ÖÍÐÐÍÅÓÎÕÏ×ÈÔÍØÍÐÍÕÃ óÖÛÎÃÌÛÊÈÍÖÈÔ×ÙÍÎÈÊÛÙÈÖÍÊÉÛÐ×ÍÖÈÔ×ÌÊÍÌ×ÊÈÃÉÌ×ÙÓÖÓ×É ÛÏÍÇÎÈÉÈÍÚ×ÌÛÓØÈÍÈÔ×ÍÊÓÕÓÎÛÐÍÅÎ×ÊÖÍÊÈÔ×ÏÍØÓÖÓÙÛÈÓÍÎÉÈÍÚ×ÏÛØ×ÓÎ ÈÔ×Ì×ÊÓÍØÉÇÚÉ×ËÇ×ÎÈÈÍÈÔ×ÈÊÛÎÉÖ×ÊÍÖÈÓÈÐ×ÈÔ×ÛÏÍÇÎÈÉÛÊ×ÓÎÙÐÇØ×ØÓÎ ÈÔ×ÍÊÓÕÓÎÛÐÍÅÎ×ÊÉÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÍÊÕÊÍÉÉÓÎÙÍÏ×ÇÎØ×ÊÈÔÓÉ É×ÙÈÓÍÎìÊÍÙ××ØÉÖÊÍÏÈÔ×ÉÛÐ×ÍÖÈÔ×ÌÊÍÌ×ÊÈÃÈÔÛÈÛÊ×Ê×Ù×ÓÆ×ØÛÖÈ×Ê ÈÊÛÎÉÖ×ÊÍÖÈÓÈÐ×ÛÎØÈÔÛÈÛÊ×ÇÎÊ×ÐÛÈ×ØÈÍÈÔ×ÏÍØÓÖÓÙÛÈÓÍÎÉÏÛØ×ÉÇÚÉ×ËÇ×ÎÈ ÈÍÈÔ×ÈÊÛÎÉÖ×ÊÍÖÈÓÈÐ×ÛÊ×ÎÍÈÙÍÎÉÓØ×Ê×ØÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÍÊÕÊÍÉÉ ÓÎÙÍÏ×ÖÊÍÏÈÔ×ÏÍØÓÖÓÙÛÈÓÍÎÉ óÖÈÔ×ÍÊÓÕÓÎÛÐÍÅÎ×Ê×ÎÈ×ÊÉÓÎÈÍÛÎÛÕÊ××Ï×ÎÈÉ×ÌÛÊÛÈ×ÖÊÍÏÈÔ× ÙÍÎÈÊÛÙÈÖÍÊÉÛÐ×ÍÖÈÔ×Ê×ÛÐÌÊÍÌ×ÊÈÃÌÊÍÆÓØÓÎÕÖÍÊÛÏÍÇÎÈÉÈÍÚ×ÌÛÓØÈÍ ÈÔ×ÍÊÓÕÓÎÛÐÍÅÎ×ÊÖÍÊÈÔ×ÏÍØÓÖÓÙÛÈÓÍÎÉÈÍÚ×ÏÛØ×ÓÎÈÔ×Ì×ÊÓÍØÉÇÚÉ×ËÇ×ÎÈ ÈÍÈÔ×ÈÊÛÎÉÖ×ÊÍÖÈÓÈÐ×ÈÍÈÔ×ÌÊÍÌ×ÊÈÃÈÔ×ÛÏÍÇÎÈÉÛÊ×ÓÎÙÐÇØ×ØÓÎÈÔ× ÍÊÓÕÓÎÛÐÍÅÎ×ÊÉÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÍÊÕÊÍÉÉÓÎÙÍÏ×Ê×Ù×ÓÆ×ØÖÍÊÈÔ× ÏÍØÓÖÓÙÛÈÓÍÎÉÏÛØ×ÉÇÚÉ×ËÇ×ÎÈÈÍÈÔ×ÈÊÛÎÉÖ×ÊÍÖÈÓÈÐ× óÖÈÔ×ÍÊÓÕÓÎÛÐÍÅÎ×ÊÓÉÊ×ÉÌÍÎÉÓÚÐ×ÈÍÈÔ×Î×ÅÍÅÎ×ÊÖÍÊ ÏÍØÓÖÓÙÛÈÓÍÎÉÏÛØ×ÈÍÈÔ×ÌÊÍÌ×ÊÈÃÓÎÈÔ×Ì×ÊÓÍØÉÇÚÉ×ËÇ×ÎÈÈÍÈÔ×ÈÊÛÎÉÖ×Ê ÍÖÈÓÈÐ×ÛÎØØ×ÊÓÆ×ÉÛÎÃÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÍÊÕÊÍÉÉÓÎÙÍÏ×ÖÊÍÏÈÔ× ÌÊÍÒ×ÙÈÉÇÚÉ×ËÇ×ÎÈÈÍÈÔ×ÈÊÛÎÉÖ×ÊÍÖÈÓÈÐ×ÍÈÔ×ÊÈÔÛÎÛØ×ÐÛÃ×ØØÓÉÚÇÊÉ×Ï×ÎÈ ÖÊÍÏ×ÉÙÊÍÅÇÎÊ×ÐÛÈ×ØÈÍÈÔ×ÏÍØÓÖÓÙÛÈÓÍÎÉÓÈÓÉÌÊ×ÉÇÏ×ØÈÔÛÈÈÔ×ÛÏÍÇÎÈÉ ÛÊ×Ê×Ù×ÓÆ×ØÖÍÊÈÔ×ÏÍØÓÖÓÙÛÈÓÍÎÉÏÛØ×ÉÇÚÉ×ËÇ×ÎÈÈÍÈÔ×ÈÊÛÎÉÖ×ÊÍÖÈÓÈÐ× ÇÎÐ×ÉÉÈÔ×ÙÍÎÈÊÛÊÃÓÉ×ÉÈÛÚÐÓÉÔ×ØÚÃÈÔ×ÍÅÎ×ÊÈÔÊÍÇÕÔÓÈÉÚÍÍÑÉÊ×ÙÍÊØÉ ÛÎØÌÛÌ×ÊÉÑ×ÌÈÓÎÈÔ×Ê×ÕÇÐÛÊÙÍÇÊÉ×ÍÖÚÇÉÓÎ×ÉÉ èÔ×ÈÛÄÚÛÉ×ÍÖÈÔ×ÍÊÓÕÓÎÛÐÍÅÎ×ÊÓÉÙÍÏÌÇÈ×ØÓÎÈÔ×ÉÛÏ×ÏÛÎÎ×Ê ÛÉÛÌÊÓÏ×ÙÍÎÈÊÛÙÈÍÊÇÎØ×ÊÈÔÓÉÉ×ÙÈÓÍÎ ìøöÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÈÔÓÉÉ×ÙÈÓÍÎ ùÍÎÈÊÛÙÈÓÎÕÏ×ÛÎÉ×ÎÕÛÕÓÎÕÓÎÚÇÉÓÎ×ÉÉÛÉÛÙÍÎÈÊÛÙÈÍÊ ùÍÎÈÊÛÙÈÍÊÓÉÉÃÎÍÎÃÏÍÇÉÅÓÈÔÈÔ×È×ÊÏÚÇÓÐØ×ÊÛÎØÏ×ÛÎÉÛÎÃ Ì×ÊÉÍÎÍÊÍÊÕÛÎÓÂÛÈÓÍÎÈÔÛÈÇÎØ×ÊÈÛÑ×ÉÈÍÍÊÍÖÖ×ÊÉÈÍÇÎØ×ÊÈÛÑ×ÈÍÍÊ ÌÇÊÌÍÊÈÉÈÍÔÛÆ×ÈÔ×ÙÛÌÛÙÓÈÃÈÍÇÎØ×ÊÈÛÑ×ÈÍÍÊÉÇÚÏÓÈÉÛÚÓØÈÍÍÊØÍ×É Ì×ÊÉÍÎÛÐÐÃÍÊÚÃÍÊÈÔÊÍÇÕÔÍÈÔ×ÊÉÏÍØÓÖÃÛÎÃÚÇÓÐØÓÎÕÔÓÕÔÅÛÃÊÍÛØ ÊÛÓÐÊÍÛØ×ÄÙÛÆÛÈÓÍÎÏÛÎÇÖÛÙÈÇÊ×ØÚÇÓÐØÓÎÕÍÊÍÈÔ×ÊÉÈÊÇÙÈÇÊ×ÌÊÍÒ×ÙÈ Ø×Æ×ÐÍÌÏ×ÎÈÍÊÓÏÌÊÍÆ×Ï×ÎÈÍÊÈÍØÍÛÎÃÌÛÊÈÍÖÉÇÙÔÛÌÊÍÒ×ÙÈÓÎÙÐÇØÓÎÕ ÈÔ××Ê×ÙÈÓÍÎÍÖÉÙÛÖÖÍÐØÓÎÕÍÊÍÈÔ×ÊÉÈÊÇÙÈÇÊ×ÍÊÅÍÊÑÉÓÎÙÍÎÎ×ÙÈÓÍÎÅÓÈÔ ÉÇÙÔÛÌÊÍÒ×ÙÈÛÎØÓÎÙÐÇØ×ÉÉÇÚÙÍÎÈÊÛÙÈÍÊÉÛÎØÉÌ×ÙÓÛÐÈÃÙÍÎÈÊÛÙÈÍÊÉöÍÊ ÛÐÐÌÇÊÌÍÉ×ÉÍÖÈÛÄÛÈÓÍÎÍÊØ×ØÇÙÈÓÍÎÈÔÓÉØ×ÖÓÎÓÈÓÍÎÉÔÛÐÐÕÍÆ×ÊÎÅÓÈÔÍÇÈ Ê×ÕÛÊØÈÍÅÔ×ÈÔ×ÊÍÊÎÍÈÉÇÙÔÙÍÎÈÊÛÙÈÍÊÓÉÛÙÈÓÎÕÓÎÖÇÐÖÓÐÐÏ×ÎÈÍÖÛ ÙÍÎÈÊÛÙÈ ïÛÎÇÖÛÙÈÇÊ×ØÚÇÓÐØÓÎÕÏ×ÛÎÉÛÏÛÎÇÖÛÙÈÇÊ×ØÔÍÏ×ÏÍÚÓÐ×ÔÍÏ× ÍÊÖÛÙÈÍÊÃÚÇÓÐÈÚÇÓÐØÓÎÕÛÉØ×ÖÓÎ×ØÓÎÉ×ÙÈÓÍÎ ø×ÛÐ×ÊÉÔÓÌÍÖïÛÎÇÖÛÙÈÇÊ×ØÚÇÓÐØÓÎÕÉúçóðøóîõø÷ûð÷êÏ×ÛÎÉÛ Ø×ÛÐ×ÊÅÔÍ×ÓÈÔ×Ê ÛóÉÐÓÙ×ÎÉ×ØÌÇÊÉÇÛÎÈÈÍÈÓÈÐ×ÙÔÛÌÈ×ÊÛÎØÅÔÍÉ×ÐÐÉ ÏÛÎÇÖÛÙÈÇÊ×ØÚÇÓÐØÓÎÕÉÈÍÈÔ×ÖÓÎÛÐÙÍÎÉÇÏ×Ê Study Session - March 13, 2013 - Page 92 of 125 ôú ÚéÇÌ×ÊÆÓÉ×ÉÌ×ÊÖÍÊÏÉÍÊÙÍÍÊØÓÎÛÈ×ÉÈÔ××ÄÙÛÆÛÈÓÍÎÛÎØÙÍÏÌÐ×ÈÓÍÎ ÍÖÉÓÈ×ÓÏÌÊÍÆ×Ï×ÎÈÉíêèô÷É×ÈÇÌÍÊÏÍÆÓÎÕÍÖÛÏÛÎÇÖÛÙÈÇÊ×ØÚÇÓÐØÓÎÕ ÓÎÙÐÇØÓÎÕÈÔ×ÙÍÎÈÊÛÙÈÓÎÕÓÖÛÎÃÅÓÈÔÛÎÃÉÇÚÙÍÎÈÊÛÙÈÍÊÍÊÉÌ×ÙÓÛÐÈÃ ÙÍÎÈÊÛÙÈÍÊÖÍÊÈÔ×ÙÍÏÌÐ×ÈÓÍÎÍÖÈÔ×ÙÍÎÈÊÛÙÈ ïÍØÓÖÓÙÛÈÓÍÎÏ×ÛÎÉÙÍÎÉÈÊÇÙÈÓÍÎÛÐÈ×ÊÛÈÓÍÎÊ×ÌÛÓÊÛØØÓÈÓÍÎ ÉÇÚÈÊÛÙÈÓÍÎÓÏÌÊÍÆ×Ï×ÎÈÏÍÆ×Ï×ÎÈÅÊ×ÙÑÛÕ×ÍÊØ×ÏÍÐÓÈÓÍÎ ïÍØÓÖÃÏ×ÛÎÉÈÍÙÍÎÉÈÊÇÙÈÛÐÈ×ÊÊ×ÌÛÓÊÛØØÈÍÉÇÚÈÊÛÙÈÖÊÍÏ ÓÏÌÊÍÆ×ÏÍÆ×ÅÊ×ÙÑÍÊØ×ÏÍÐÓÉÔ ìÊÓÏ×ÙÍÎÈÊÛÙÈÓÎÕÏ×ÛÎÉ×ÎÕÛÕÓÎÕÓÎÚÇÉÓÎ×ÉÉÛÉÛÌÊÓÏ× ÙÍÎÈÊÛÙÈÍÊ ìÊÓÏ×ÙÍÎÈÊÛÙÈÍÊÏ×ÛÎÉÛÙÍÎÈÊÛÙÈÍÊÅÔÍÉÇÌ×ÊÆÓÉ×ÉÌ×ÊÖÍÊÏÉÍÊ ÙÍÍÊØÓÎÛÈ×ÉÈÔ×ÏÍØÓÖÓÙÛÈÓÍÎÍÖÛÎÃÚÇÓÐØÓÎÕÔÓÕÔÅÛÃÊÍÛØÊÛÓÐÊÍÛØ ×ÄÙÛÆÛÈÓÍÎÏÛÎÇÖÛÙÈÇÊ×ØÚÇÓÐØÓÎÕÍÊÍÈÔ×ÊÉÈÊÇÙÈÇÊ×ÌÊÍÒ×ÙÈØ×Æ×ÐÍÌÏ×ÎÈÍÊ ÓÏÌÊÍÆ×Ï×ÎÈÓÎÙÐÇØÓÎÕÈÔ×ÙÍÎÈÊÛÙÈÓÎÕÓÖÛÎÃÅÓÈÔÛÎÃÉÇÚÙÍÎÈÊÛÙÈÍÊÉÍÊ ÉÌ×ÙÓÛÐÈÃÙÍÎÈÊÛÙÈÍÊÉÛÎØÅÔÍÓÉÊ×ÉÌÍÎÉÓÚÐ×ÖÍÊÈÔ×ÙÍÏÌÐ×ÈÓÍÎÍÖÈÔ× ÙÍÎÈÊÛÙÈ÷ÄÙ×ÌÈÛÉÌÊÍÆÓØ×ØÓÎÉÇÚÉ×ÙÈÓÍÎÉ÷ÛÎØíÍÖÈÔÓÉÉ×ÙÈÓÍÎÛ Ì×ÊÉÍÎÅÔÍÍÅÎÉÊ×ÛÐÌÊÍÌ×ÊÈÃÅÔÍ×ÎÕÛÕ×ÉÍÎ×ÍÊÏÍÊ×ÙÍÎÈÊÛÙÈÍÊÉÈÍÏÍØÓÖÃ ÈÔÛÈÊ×ÛÐÌÊÍÌ×ÊÈÃÛÎØÅÔÍØÍ×ÉÎÍÈÓÈÉ×ÐÖÏÍØÓÖÃÈÔÛÈÊ×ÛÐÌÊÍÌ×ÊÈÃÓÉÎÍÈÛ ÌÊÓÏ×ÙÍÎÈÊÛÙÈÍÊÅÓÈÔÓÎÈÔ×Ï×ÛÎÓÎÕÍÖÈÔÓÉÌÛÊÛÕÊÛÌÔÊ×ÕÛÊØÐ×ÉÉÍÖÈÔ× ×ÄÓÉÈ×ÎÙ×ÍÖÛÙÍÎÈÊÛÙÈÖÍÊÉÛÐ×ÍÊÈÔ×ÉÇÚÉ×ËÇ×ÎÈÉÛÐ×ÍÖÈÔÛÈÊ×ÛÐ ÌÊÍÌ×ÊÈÃ éÛÐ×ÍÖÛÇÉ×ØÏÛÎÇÖÛÙÈÇÊ×ØÚÇÓÐØÓÎÕØÍ×ÉÎÍÈÓÎÙÐÇØ×ÛÐ×ÛÉ× ÍÖÛÇÉ×ØÏÛÎÇÖÛÙÈÇÊ×ØÚÇÓÐØÓÎÕ é×Ùê×Ì×ÛÐ é×ÙÈÓÍÎ ûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÓÉÊ×Ì×ÛÐ×ØÖÊÍÏÛÎØÛÖÈ×Ê ø×Ù×ÏÚ×Ê é×Ùé×ÙÈÓÍÎ ûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÓÉÛÏ×ÎØ×ØÈÍ Ê×ÛØ ø×ÖÓÎÓÈÓÍÎÉ óÎÈÔÓÉÛÊÈÓÙÐ×ÇÎÐ×ÉÉÈÔ×ÙÍÎÈ×ÄÈÍÈÔ×ÊÅÓÉ×Ê×ËÇÓÊ×É ûÎÙÓÐÐÛÊÃÉ×ÊÆÓÙ×ÉÏ×ÛÎÉÈÔÍÉ×É×ÊÆÓÙ×ÉÉÍØ×ÉÓÕÎÛÈ×ØÓÎÖ×Ø×ÊÛÐ ×Î×ÊÕÃÊ×ÕÇÐÛÈÍÊÃÙÍÏÏÓÉÉÓÍÎÍÊØ×ÊÛØÍÌÈ×ØÓÎÈÔÛÈÓÎÙÐÇØ×ÈÔ× É×ÊÆÓÙ×ÉÎ×Ù×ÉÉÛÊÃÈÍÉÇÌÌÍÊÈÈÔ×ÈÊÛÎÉÏÓÉÉÓÍÎÍÖ×Ð×ÙÈÊÓÙÓÈÃÖÊÍÏÊ×ÉÍÇÊÙ×É ÈÍÐÍÛØÉÅÔÓÐ×ÏÛÓÎÈÛÓÎÓÎÕÊ×ÐÓÛÚÐ×ÍÌ×ÊÛÈÓÍÎÍÖÈÔ×ÈÊÛÎÉÏÓÉÉÓÍÎÉÃÉÈ×Ï ÛÙÙÍÊØÓÎÕÈÍÕÍÍØÇÈÓÐÓÈÃÌÊÛÙÈÓÙ× ùíîèêûùèóîõï÷ûîé÷îõûõóîõóîúçéóî÷ééûéûùíîèêûùèíê ùíîèêûùèíêóééãîíîãïíçéåóèôèô÷è÷êïúçóðø÷êûîøï÷ûîéûîã ì÷êéíîíêíêõûîóâûèóíîèôûèçîø÷êèûñ÷éèííêíöö÷êéèíçîø÷êèûñ÷èííê ìçêìíêèéèíôûæ÷èô÷ùûìûùóèãèíçîø÷êèûñ÷èííêéçúïóèéûúóøèííêøí÷é ì÷êéíîûððãíêúãíêèôêíçõôíèô÷êéïíøóöãûîãúçóðøóîõôóõôåûãêíûø êûóðêíûø÷äùûæûèóíîïûîçöûùèçê÷øúçóðøóîõíêíèô÷êéèêçùèçê÷ìêíò÷ùè ø÷æ÷ðíìï÷îèíêóïìêíæ÷ï÷îèíêèíøíûîãìûêèíöéçùôûìêíò÷ùèóîùðçøóîõ èô÷÷ê÷ùèóíîíöéùûööíðøóîõíêíèô÷êéèêçùèçê÷íêåíêñéóîùíîî÷ùèóíîåóèô éçùôûìêíò÷ùèûîøóîùðçø÷ééçúùíîèêûùèíêéûîøéì÷ùóûðèãùíîèêûùèíêéöíê Study Session - March 13, 2013 - Page 93 of 125 ôú ûððìçêìíé÷éíöèûäûèóíîíêø÷øçùèóíîèôóéø÷öóîóèóíîõíæ÷êîéåóèôíçèê÷õûêø èíåô÷èô÷êíêîíèèô÷ùíîèêûùèíêóéûùèóîõóîöçðöóððï÷îèíöûùíîèêûùè ÷Ð×ÙÈÊÓÙØÓÉÈÊÓÚÇÈÓÍÎÉ×ÊÆÓÙ×Ï×ÛÎÉØÓÉÈÊÓÚÇÈÓÎÕ×Ð×ÙÈÊÓÙÓÈÃ ÈÍÊ×ÈÛÓÐ×Ð×ÙÈÊÓÙÙÇÉÈÍÏ×ÊÉÈÔÊÍÇÕÔÈÔ×ÇÉ×ÍÖ×Ð×ÙÈÊÓÙØÓÉÈÊÓÚÇÈÓÍÎ ÖÛÙÓÐÓÈÓ×É ÷Ð×ÙÈÊÓÙÕ×Î×ÊÛÈÓÍÎÉ×ÊÆÓÙ×Ï×ÛÎÉÌÊÍÆÓØÓÎÕ×Ð×ÙÈÊÓÙÓÈÃÖÍÊ ÉÛÐ×ÈÍÊ×ÈÛÓÐ×Ð×ÙÈÊÓÙÙÇÉÈÍÏ×ÊÉÚÇÈ×ÄÙÐÇØÓÎÕ×Ð×ÙÈÊÓÙØÓÉÈÊÓÚÇÈÓÍÎÍÊ ÈÊÛÎÉÏÓÉÉÓÍÎÉ×ÊÆÓÙ×É ÷Ð×ÙÈÊÓÙÈÊÛÎÉÏÓÉÉÓÍÎÉ×ÊÆÓÙ×Ï×ÛÎÉÈÊÛÎÉÏÓÈÈÓÎÕ×Ð×ÙÈÊÓÙÓÈÃ ÈÍÊ×ÈÛÓÐ×Ð×ÙÈÊÓÙÙÇÉÈÍÏ×ÊÉÍÊÈÍ×Ð×ÙÈÊÓÙØÓÉÈÊÓÚÇÈÓÍÎÖÛÙÓÐÓÈÓ×ÉÉÍ ÙÐÛÉÉÓÖÓ×ØÚÃÈÔ×Ö×Ø×ÊÛÐ×Î×ÊÕÃÊ×ÕÇÐÛÈÍÊÃÙÍÏÏÓÉÉÓÍÎÍÊÈÍÈÔ××ÄÈ×ÎÈ Ì×ÊÏÓÈÈ×ØÚÃÐÛÅÉÍÙÐÛÉÉÓÖÓ×ØÚÃÈÔ×ûÊÓÂÍÎÛÙÍÊÌÍÊÛÈÓÍÎÙÍÏÏÓÉÉÓÍÎ ÷Ð×ÙÈÊÓÙÇÈÓÐÓÈÃÉ×ÊÆÓÙ×ÉÏ×ÛÎÉÈÔ×ÚÇÉÓÎ×ÉÉÍÖÌÊÍÆÓØÓÎÕ ×Ð×ÙÈÊÓÙÛÎÙÓÐÐÛÊÃÉ×ÊÆÓÙ×É×Ð×ÙÈÊÓÙØÓÉÈÊÓÚÇÈÓÍÎÉ×ÊÆÓÙ×É×Ð×ÙÈÊÓÙ Õ×Î×ÊÛÈÓÍÎÉ×ÊÆÓÙ×É×Ð×ÙÈÊÓÙÈÊÛÎÉÏÓÉÉÓÍÎÉ×ÊÆÓÙ×ÉÛÎØÍÈÔ×ÊÉ×ÊÆÓÙ×É Ê×ÐÛÈ×ØÈÍÌÊÍÆÓØÓÎÕ×Ð×ÙÈÊÓÙÓÈÃ ÷Ð×ÙÈÊÓÙÓÈÃÏ×ÛÎÉ×Ð×ÙÈÊÓÙ×Î×ÊÕÃ×Ð×ÙÈÊÓÙÙÛÌÛÙÓÈÃÍÊ ×Ð×ÙÈÊÓÙÙÛÌÛÙÓÈÃÛÎØ×Î×ÊÕÃ ÷Ð×ÙÈÊÓÙÓÈÃÉÇÌÌÐÓ×ÊÏ×ÛÎÉÛÌ×ÊÉÍÎÅÔ×ÈÔ×ÊÛÙÈÓÎÕÓÎÛ ÌÊÓÎÙÓÌÛÐÛÕ×ÎÈÍÊÍÈÔ×ÊÙÛÌÛÙÓÈÃÈÔÛÈÍÖÖ×ÊÉÈÍÉ×ÐÐ×Ð×ÙÈÊÓÙÓÈÃÈÍÛ Ê×ÈÛÓÐ×Ð×ÙÈÊÓÙÙÇÉÈÍÏ×ÊÓÎÈÔÓÉÉÈÛÈ× îÛÈÇÊÛÐÕÛÉÏ×ÛÎÉÎÛÈÇÊÛÐÍÊÛÊÈÓÖÓÙÓÛÐÕÛÉÛÎØÓÎÙÐÇØ×É Ï×ÈÔÛÎ×ÛÎØÌÊÍÌÛÎ×ÕÛÉÈÔ×ÎÛÈÇÊÛÐÕÛÉÙÍÏÏÍØÓÈÃÎÛÈÇÊÛÐÕÛÉÌÓÌ×ÐÓÎ× ÙÛÌÛÙÓÈÃÍÊÎÛÈÇÊÛÐÕÛÉÙÍÏÏÍØÓÈÃÛÎØÌÓÌ×ÐÓÎ×ÙÛÌÛÙÓÈÃ îÛÈÇÊÛÐÕÛÉÇÈÓÐÓÈÃÉ×ÊÆÓÙ×ÉÏ×ÛÎÉÈÔ×ÚÇÉÓÎ×ÉÉÍÖÉ×ÐÐÓÎÕ ÎÛÈÇÊÛÐÕÛÉÍÊÌÊÍÆÓØÓÎÕÎÛÈÇÊÛÐÕÛÉÈÊÛÎÉÌÍÊÈÛÈÓÍÎÉ×ÊÆÓÙ×ÉÍÊÍÈÔ×Ê É×ÊÆÓÙ×ÉÊ×ÐÛÈ×ØÈÍÌÊÍÆÓØÓÎÕÎÛÈÇÊÛÐÕÛÉ îÍÈÓÙ×Ï×ÛÎÉÅÊÓÈÈ×ÎÎÍÈÓÙ×É×ÊÆ×ØÌ×ÊÉÍÎÛÐÐÃÍÊÚÃ Ù×ÊÈÓÖÓ×ØÏÛÓÐÛÎØÛØØÊ×ÉÉ×ØÈÍÈÔ×ÐÛÉÈÑÎÍÅÎÛØØÊ×ÉÉÍÖÈÔ×Ì×ÊÉÍÎÈÍÅÔÍÏ ÉÇÙÔÎÍÈÓÙ×ÓÉÕÓÆ×Î íÈÔ×ÊÉ×ÊÆÓÙ×ÉÓÎÙÐÇØ×ÉÏ×È×ÊÓÎÕÏ×È×ÊÊ×ÛØÓÎÕÉ×ÊÆÓÙ×É ÚÓÐÐÓÎÕÛÎØÙÍÐÐ×ÙÈÓÎÕÉ×ÊÆÓÙ×É ì×ÊÉÍÎÏ×ÛÎÉÛÎÓÎØÓÆÓØÇÛÐÖÓÊÏÌÛÊÈÎ×ÊÉÔÓÌÒÍÓÎÈ Æ×ÎÈÇÊ×ÛÉÉÍÙÓÛÈÓÍÎÙÍÊÌÍÊÛÈÓÍÎ×ÉÈÛÈ×ÈÊÇÉÈÊ×Ù×ÓÆ×ÊÍÊÉÃÎØÓÙÛÈ×ÈÔÓÉ ÉÈÛÈ×ÍÊÛÙÍÇÎÈÃÙÓÈÃÏÇÎÓÙÓÌÛÐÓÈÃØÓÉÈÊÓÙÈÍÊÍÈÔ×ÊÌÍÐÓÈÓÙÛÐ ÉÇÚØÓÆÓÉÓÍÎÍÊÛÕ×ÎÙÃÈÔ×Ê×ÍÖ ìÇÊÙÔÛÉ×Ï×ÛÎÉÛÎÃÈÊÛÎÉÖ×Ê×ÄÙÔÛÎÕ×ÍÊÚÛÊÈ×ÊÙÍÎØÓÈÓÍÎÛÐ ÍÊÍÈÔ×ÊÅÓÉ×ÓÎÛÎÃÏÛÎÎ×ÊÍÊÚÃÛÎÃÏ×ÛÎÉÍÖÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃ ÖÍÊÛÙÍÎÉÓØ×ÊÛÈÓÍÎÓÎÙÐÇØÓÎÕÈÊÛÎÉÛÙÈÓÍÎÉÚÃÅÔÓÙÔÈÔ×ÌÍÉÉ×ÉÉÓÍÎÍÖ ÌÊÍÌ×ÊÈÃÓÉÈÊÛÎÉÖ×ÊÊ×ØÚÇÈÈÔ×É×ÐÐ×ÊÊ×ÈÛÓÎÉÈÔ×ÈÓÈÐ×ÛÉÉ×ÙÇÊÓÈÃÖÍÊ ÌÛÃÏ×ÎÈ ìÇÊÙÔÛÉ×ÌÊÓÙ×ÍÊÉÛÐ×ÉÌÊÓÙ×Ï×ÛÎÉÈÔ×ÈÍÈÛÐÛÏÍÇÎÈÖÍÊ ÅÔÓÙÔÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÓÉÉÍÐØÓÎÙÐÇØÓÎÕÛÎÃÉ×ÊÆÓÙ×ÉÈÔÛÈÛÊ×Û ÌÛÊÈÍÖÈÔ×ÉÛÐ×ÆÛÐÇ×ØÓÎÏÍÎ×ÃÅÔ×ÈÔ×ÊÌÛÓØÓÎÏÍÎ×ÃÍÊÍÈÔ×ÊÅÓÉ×ÛÎØ ÛÎÃÛÏÍÇÎÈÖÍÊÅÔÓÙÔÙÊ×ØÓÈÓÉÕÓÆ×ÎÈÍÈÔ×ÌÇÊÙÔÛÉ×ÊÚÃÈÔ×É×ÐÐ×ÊÅÓÈÔÍÇÈ Study Session - March 13, 2013 - Page 94 of 125 ôú ÛÎÃØ×ØÇÙÈÓÍÎÍÎÛÙÙÍÇÎÈÍÖÈÔ×ÙÍÉÈÍÖÈÔ×ÌÊÍÌ×ÊÈÃÉÍÐØÏÛÈ×ÊÓÛÐÉÇÉ×Ø ÐÛÚÍÊÍÊÉ×ÊÆÓÙ×ÉÌ×ÊÖÍÊÏ×ØÓÎÈ×Ê×ÉÈÙÔÛÊÕ×ØÐÍÉÉ×ÉÍÊÍÈÔ×Ê×ÄÌ×ÎÉ×ÉÚÇÈ ØÍ×ÉÎÍÈÓÎÙÐÇØ× ÛøÓÉÙÍÇÎÈÉÛÐÐÍÅ×ØÛÎØÈÛÑ×Î ÚùÔÛÊÕ×ÉÖÍÊÐÛÚÍÊÍÊÉ×ÊÆÓÙ×ÉÓÎÓÎÉÈÛÐÐÓÎÕÊ×ÏÍØ×ÐÓÎÕÍÊ Ê×ÌÛÓÊÓÎÕ ÙöÊ×ÓÕÔÈÙÍÉÈÉÚÓÐÐ×ØÈÍÛÎØÙÍÐÐ×ÙÈ×ØÖÊÍÏÛÌÇÊÙÔÛÉ×ÊÚÃÛ Ê×ÈÛÓÐ×ÊÖÍÊÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÅÔÓÙÔÍÎÈÔ×ÍÊØ×ÊÍÖÈÔ×Ê×ÈÛÓÐ×Ê ÓÉÉÔÓÌÌ×ØØÓÊ×ÙÈÐÃÖÊÍÏÛÏÛÎÇÖÛÙÈÇÊ×ÊÍÊÅÔÍÐ×ÉÛÐ×ÊÈÍÈÔ×ÌÇÊÙÔÛÉ×Ê ØûÏÍÇÎÈÉÛÈÈÊÓÚÇÈÛÚÐ×ÈÍÖ×Ø×ÊÛÐ×ÄÙÓÉ×ÈÛÄ×ÉÓÏÌÍÉ×ØÚÃ çÎÓÈ×Ø éÈÛÈ×ÉùÍØ×É×ÙÈÓÍÎ ÍÊ ÍÎÉÛÐ×ÉÍÖÔ×ÛÆÃÈÊÇÙÑÉÛÎØÈÊÛÓÐ×ÊÉ ÛÎØÛÇÈÍÏÍÚÓÐ×ÉÍÊÍÎÉÛÐ×ÉÍÖÇÉ×ÖÇ×ÐÛÉØ×ÖÓÎ×ØÓÎÉ×ÙÈÓÍÎ ×èÔ×ÆÛÐÇ×ÍÖÏ×ÊÙÔÛÎØÓÉ×ÈÔÛÈÓÉÈÊÛØ×ØÓÎÍÎÈÔ×ÌÇÊÙÔÛÉ×ÍÖÎ×Å ÍÊÌÊ×ÍÅÎ×ØÏ×ÊÙÔÛÎØÓÉ×ÅÔ×ÎÈÔ×ÈÊÛØ×ÓÎÛÐÐÍÅÛÎÙ×ÓÉØ×ØÇÙÈ×ØÖÊÍÏÈÔ× ÉÛÐ×ÉÌÊÓÙ×ÍÖÈÔ×Î×ÅÍÊÌÊ×ÍÅÎ×ØÏ×ÊÙÔÛÎØÓÉ×Ú×ÖÍÊ×ÈÔ×ÙÍÏÌÐ×ÈÓÍÎÍÖÈÔ× ÉÛÐ× ê×ÈÛÓÐ×Ð×ÙÈÊÓÙÙÇÉÈÍÏ×ÊÏ×ÛÎÉÛÌ×ÊÉÍÎÅÔÍÌÇÊÙÔÛÉ×É ×Ð×ÙÈÊÓÙÓÈÃÖÍÊÈÔÛÈÌ×ÊÉÍÎÉÍÅÎÇÉ×ÓÎÙÐÇØÓÎÕÇÉ×ÓÎÈÔÛÈÌ×ÊÉÍÎÉÈÊÛØ× ÍÊÚÇÉÓÎ×ÉÉÛÎØÎÍÈÖÍÊÊ×ÉÛÐ×Ê×ØÓÉÈÊÓÚÇÈÓÍÎÍÊÊ×ÈÊÛÎÉÏÓÉÉÓÍÎ ê×ÈÛÓÐÎÛÈÇÊÛÐÕÛÉÙÇÉÈÍÏ×ÊÏ×ÛÎÉÛÌ×ÊÉÍÎÅÔÍÌÇÊÙÔÛÉ×É ÎÛÈÇÊÛÐÕÛÉÖÍÊÈÔÛÈÌ×ÊÉÍÎÉÍÅÎÇÉ×ÓÎÙÐÇØÓÎÕÇÉ×ÓÎÈÔÛÈÌ×ÊÉÍÎÉÈÊÛØ× ÍÊÚÇÉÓÎ×ÉÉÛÎØÎÍÈÖÍÊÊ×ÉÛÐ×Ê×ØÓÉÈÊÓÚÇÈÓÍÎÍÊÊ×ÈÊÛÎÉÏÓÉÉÓÍÎ ê×ÈÛÓÐ×ÊÓÎÙÐÇØ×É Û÷Æ×ÊÃÌ×ÊÉÍÎ×ÎÕÛÕ×ØÓÎÈÔ×ÚÇÉÓÎ×ÉÉÍÖÏÛÑÓÎÕÉÛÐ×ÉÍÖÈÛÎÕÓÚÐ× Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÖÍÊÉÈÍÊÛÕ×ÇÉ×ÍÊÍÈÔ×ÊÙÍÎÉÇÏÌÈÓÍÎÍÊÓÎÈÔ×ÚÇÉÓÎ×ÉÉÍÖ ÏÛÑÓÎÕÉÛÐ×ÉÛÈÛÇÙÈÓÍÎÍÖÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÍÅÎ×ØÚÃÈÔÛÈÌ×ÊÉÍÎÍÊ ÍÈÔ×ÊÉÖÍÊÉÈÍÊÛÕ×ÇÉ×ÍÊÍÈÔ×ÊÙÍÎÉÇÏÌÈÓÍÎóÖÓÎÈÔ×ÍÌÓÎÓÍÎÍÖÈÔ× Ø×ÌÛÊÈÏ×ÎÈÓÈÓÉÎ×Ù×ÉÉÛÊÃÖÍÊÈÔ××ÖÖÓÙÓ×ÎÈÛØÏÓÎÓÉÈÊÛÈÓÍÎÍÖÈÔÓÉÛÊÈÓÙÐ× ÈÍÊ×ÕÛÊØÛÎÃÉÛÐ×ÉÏ×ÎÊ×ÌÊ×É×ÎÈÛÈÓÆ×ÉÌ×ØØÐ×ÊÉÍÊÙÛÎÆÛÉÉ×ÊÉÛÉÈÔ×ÛÕ×ÎÈÉ ÍÖÈÔ×Ø×ÛÐ×ÊÉØÓÉÈÊÓÚÇÈÍÊÉÉÇÌ×ÊÆÓÉÍÊÉÍÊ×ÏÌÐÍÃ×ÊÉÇÎØ×ÊÅÔÍÏÈÔ×Ã ÍÌ×ÊÛÈ×ÍÊÖÊÍÏÅÔÍÏÈÔ×ÃÍÚÈÛÓÎÈÔ×ÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÉÍÐØÚÃÈÔ×Ï Ê×ÕÛÊØÐ×ÉÉÍÖÅÔ×ÈÔ×ÊÈÔ×ÃÛÊ×ÏÛÑÓÎÕÉÛÐ×ÉÍÎÈÔ×ÓÊÍÅÎÚ×ÔÛÐÖÍÊÍÎÚ×ÔÛÐÖ ÍÖÉÇÙÔØ×ÛÐ×ÊÉØÓÉÈÊÓÚÇÈÍÊÉÉÇÌ×ÊÆÓÉÍÊÉÍÊ×ÏÌÐÍÃ×ÊÉÈÔ×Ø×ÌÛÊÈÏ×ÎÈÏÛÃ ÉÍÊ×ÕÛÊØÈÔ×ÏÛÎØÏÛÃÊ×ÕÛÊØÈÔ×Ø×ÛÐ×ÊÉØÓÉÈÊÓÚÇÈÍÊÉÉÇÌ×ÊÆÓÉÍÊÉÍÊ ×ÏÌÐÍÃ×ÊÉÛÉÊ×ÈÛÓÐ×ÊÉÖÍÊÌÇÊÌÍÉ×ÉÍÖÈÔÓÉÛÊÈÓÙÐ× ÚûÌ×ÊÉÍÎÅÔÍÉÍÐÓÙÓÈÉÍÊØ×ÊÉÖÍÊÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÚÃ ÏÛÓÐÓÖÈÔ×ÉÍÐÓÙÓÈÛÈÓÍÎÉÛÊ×ÉÇÚÉÈÛÎÈÓÛÐÛÎØÊ×ÙÇÊÊÓÎÕÍÊÓÖÈÔ×Ê×ÈÛÓÐ×Ê Ú×Î×ÖÓÈÉÖÊÍÏÛÎÃÚÛÎÑÓÎÕÖÓÎÛÎÙÓÎÕØ×ÚÈÙÍÐÐ×ÙÈÓÍÎÈ×Ð×ÙÍÏÏÇÎÓÙÛÈÓÍÎ È×Ð×ÆÓÉÓÍÎÉÔÍÌÌÓÎÕÉÃÉÈ×ÏÙÛÚÐ×ÍÌÈÓÙÏÓÙÊÍÅÛÆ×ÍÊÍÈÔ×ÊÙÍÏÏÇÎÓÙÛÈÓÍÎ ÉÃÉÈ×ÏÍÊÏÛÊÑ×ÈÓÎÕÛÙÈÓÆÓÈÓ×ÉÍÙÙÇÊÊÓÎÕÓÎÈÔÓÉÉÈÛÈ×ÍÊÚ×Î×ÖÓÈÉÖÊÍÏÈÔ× ÐÍÙÛÈÓÍÎÓÎÈÔÓÉÉÈÛÈ×ÍÖÛÇÈÔÍÊÓÂ×ØÓÎÉÈÛÐÐÛÈÓÍÎÉ×ÊÆÓÙÓÎÕÍÊÊ×ÌÛÓÊ ÖÛÙÓÐÓÈÓ×É éÍÐÛÊØÛÃÐÓÕÔÈÓÎÕÏ×ÛÎÉÛØ×ÆÓÙ×ÈÔÛÈÓÉÉÌ×ÙÓÖÓÙÛÐÐÃ Ø×ÉÓÕÎ×ØÈÍÙÛÌÈÇÊ×ÛÎØÊ×ØÓÊ×ÙÈÈÔ×ÆÓÉÓÚÐ×ÌÍÊÈÓÍÎÍÖÈÔ×ÉÍÐÛÊÚ×ÛÏÅÔÓÐ× Study Session - March 13, 2013 - Page 95 of 125 ôú ÙÍÎÈÊÍÐÐÓÎÕÈÔ×ÓÎÖÊÛÊ×ØÌÍÊÈÓÍÎÖÍÊÇÉ×ÓÎÓÐÐÇÏÓÎÛÈÓÎÕÓÎÈ×ÊÓÍÊÚÇÓÐØÓÎÕ ÉÌÛÙ×ÉÓÎÐÓ×ÇÍÖÛÊÈÓÖÓÙÓÛÐÐÓÕÔÈÓÎÕ éÍÐÛÊ×Î×ÊÕÃØ×ÆÓÙ×Ï×ÛÎÉÛÉÃÉÈ×ÏÍÊÉ×ÊÓ×ÉÍÖÏ×ÙÔÛÎÓÉÏÉ Ø×ÉÓÕÎ×ØÌÊÓÏÛÊÓÐÃÈÍÌÊÍÆÓØ×Ô×ÛÈÓÎÕÈÍÌÊÍÆÓØ×ÙÍÍÐÓÎÕÈÍÌÊÍØÇÙ× ×Ð×ÙÈÊÓÙÛÐÌÍÅ×ÊÈÍÌÊÍØÇÙ×Ï×ÙÔÛÎÓÙÛÐÌÍÅ×ÊÈÍÌÊÍÆÓØ×ÉÍÐÛÊØÛÃÐÓÕÔÈÓÎÕ ÍÊÈÍÌÊÍÆÓØ×ÛÎÃÙÍÏÚÓÎÛÈÓÍÎÍÖÈÔ×ÖÍÊ×ÕÍÓÎÕÚÃÏ×ÛÎÉÍÖÙÍÐÐ×ÙÈÓÎÕÛÎØ ÈÊÛÎÉÖ×ÊÊÓÎÕÉÍÐÛÊÕ×Î×ÊÛÈ×Ø×Î×ÊÕÃÓÎÈÍÉÇÙÔÇÉ×ÉÚÃ×ÓÈÔ×ÊÛÙÈÓÆ×ÍÊ ÌÛÉÉÓÆ×Ï×ÛÎÉÓÎÙÐÇØÓÎÕÅÓÎØÕ×Î×ÊÛÈÍÊÉÃÉÈ×ÏÉÈÔÛÈÌÊÍØÇÙ××Ð×ÙÈÊÓÙÓÈÃ éÍÐÛÊ×Î×ÊÕÃÉÃÉÈ×ÏÉÏÛÃÛÐÉÍÔÛÆ×ÈÔ×ÙÛÌÛÚÓÐÓÈÃÍÖÉÈÍÊÓÎÕÉÍÐÛÊ×Î×ÊÕÃÖÍÊ ÖÇÈÇÊ×ÇÉ×ìÛÉÉÓÆ×ÉÃÉÈ×ÏÉÉÔÛÐÐÙÐ×ÛÊÐÃÚ×Ø×ÉÓÕÎ×ØÛÉÛÉÍÐÛÊ×Î×ÊÕÃ Ø×ÆÓÙ×ÉÇÙÔÛÉÛÈÊÍÏÚ×ÅÛÐÐÛÎØÎÍÈÏ×Ê×ÐÃÛÉÛÌÛÊÈÍÖÛÎÍÊÏÛÐ ÉÈÊÇÙÈÇÊ×ÉÇÙÔÛÉÛÅÓÎØÍÅ éÈÍÊÛÕ×Ï×ÛÎÉÑ××ÌÓÎÕÍÊÊ×ÈÛÓÎÓÎÕÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐ ÌÊÍÌ×ÊÈÃÌÇÊÙÔÛÉ×ØÖÊÍÏÛÊ×ÈÛÓÐ×ÊÖÍÊÛÎÃÌÇÊÌÍÉ××ÄÙ×ÌÈÉÛÐ×ÓÎÈÔ×Ê×ÕÇÐÛÊ ÙÍÇÊÉ×ÍÖÚÇÉÓÎ×ÉÉÍÊÉÇÚÉ×ËÇ×ÎÈÇÉ×ÉÍÐ×ÐÃÍÇÈÉÓØ×ÈÔÓÉÉÈÛÈ× èÛÄÌÛÃ×ÊÏ×ÛÎÉÛÎÃÊ×ÈÛÓÐ×ÊÍÊÌ×ÊÉÍÎÉÈÍÊÓÎÕÇÉÓÎÕÍÊ ÙÍÎÉÇÏÓÎÕÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÈÔ×ÉÈÍÊÛÕ×ÇÉ×ÍÊÙÍÎÉÇÏÌÈÓÍÎÍÖÅÔÓÙÔ ÓÉÉÇÚÒ×ÙÈÈÍÈÔ×ÈÛÄÓÏÌÍÉ×ØÚÃÈÔÓÉÛÊÈÓÙÐ×ÅÔ×ÎÉÇÙÔÈÛÄÅÛÉÎÍÈÌÛÓØÈÍÛ Ê×ÈÛÓÐ×Ê çÉ×ÍÊÙÍÎÉÇÏÌÈÓÍÎÏ×ÛÎÉÈÔ××Ä×ÊÙÓÉ×ÍÖÛÎÃÊÓÕÔÈÍÊÌÍÅ×Ê ÍÆ×ÊÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÓÎÙÓØ×ÎÈÛÐÈÍÍÅÎÓÎÕÈÔ×ÌÊÍÌ×ÊÈÃ×ÄÙ×ÌÈ ÔÍÐØÓÎÕÖÍÊÉÛÐ×ÍÊÉ×ÐÐÓÎÕÈÔ×ÌÊÍÌ×ÊÈÃÓÎÈÔ×Ê×ÕÇÐÛÊÙÍÇÊÉ×ÍÖÚÇÉÓÎ×ÉÉ çÈÓÐÓÈÃÚÇÉÓÎ×ÉÉÏ×ÛÎÉÛÌ×ÊÉÍÎÈÔÛÈÓÉ×ÎÕÛÕ×ØÓÎÈÔ× ÚÇÉÓÎ×ÉÉÍÖÌÊÍÆÓØÓÎÕ×Ð×ÙÈÊÓÙÇÈÓÐÓÈÃÉ×ÊÆÓÙ×ÉÈÍÊ×ÈÛÓÐ×Ð×ÙÈÊÓÙÙÇÉÈÍÏ×ÊÉ ÍÊÎÛÈÇÊÛÐÕÛÉÇÈÓÐÓÈÃÉ×ÊÆÓÙ×ÉÈÍÊ×ÈÛÓÐÎÛÈÇÊÛÐÕÛÉÙÇÉÈÍÏ×ÊÉ é×Ù é×ÙÈÓÍÎ ûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÓÉÛÏ×ÎØ×ØÈÍ Ê×ÛØ ð×ÆÃÍÖÈÛÄÈÛÄÊÛÈ×ÌÇÊÙÔÛÉ×ÊÉÐÓÛÚÓÐÓÈÃ ûèÔ×Ê×ÓÉÐ×ÆÓ×ØÛÎØÓÏÌÍÉ×ØÛÎ×ÄÙÓÉ×ÈÛÄÍÎÈÔ×ÉÈÍÊÛÕ×ÇÉ×ÍÊ ÙÍÎÉÇÏÌÈÓÍÎÓÎÈÔÓÉÉÈÛÈ×ÍÖÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÌÇÊÙÔÛÉ×ØÖÊÍÏÛ Ê×ÈÛÓÐ×ÊÍÊÇÈÓÐÓÈÃÚÇÉÓÎ×ÉÉÛÉÛÌ×ÊÙ×ÎÈÛÕ×ÍÖÈÔ×ÉÛÐ×ÉÌÊÓÙ×û ÏÛÎÇÖÛÙÈÇÊ×ØÚÇÓÐØÓÎÕÌÇÊÙÔÛÉ×ØÍÇÈÉÓØ×ÈÔÓÉÉÈÛÈ×ÛÎØÉ×ÈÇÌÓÎÈÔÓÉÉÈÛÈ× ÓÉÉÇÚÒ×ÙÈÈÍÈÛÄÇÎØ×ÊÈÔÓÉÉ×ÙÈÓÍÎÛÎØÓÎÈÔÓÉÙÛÉ×ÈÔ×êûè÷óéû Ì×ÊÙ×ÎÈÛÕ×ÓÉíöÉÓÄÈÃÖÓÆ×Ì×ÊÙ×ÎÈÍÖÈÔ×ÉÛÐ×ÉÌÊÓÙ× úèÔ×ÈÛÄÓÏÌÍÉ×ØÚÃÈÔÓÉÉ×ÙÈÓÍÎÛÌÌÐÓ×ÉÈÍÛÎÃÌÇÊÙÔÛÉ×ÊÅÔÓÙÔèôûè ÌÇÊÙÔÛÉ×ØÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÖÍÊÊ×ÉÛÐ×ÚÇÈÉÇÚÉ×ËÇ×ÎÈÐÃÇÉ×ÉÍÊ ÙÍÎÉÇÏ×ÉÈÔ×ÌÊÍÌ×ÊÈÃ ùèô÷ìçêùôûé÷íöèûîõóúð÷ì÷êéíîûðìêíì÷êèãúãûùíîèêûùèíê ê÷õûêøð÷ééíöåô÷èô÷êóèåóððú÷óîùíêìíêûè÷øóîèíûúçóðøóîõíêéèêçùèçê÷ óéùíîéóø÷ê÷øèíú÷ûìçêùôûé÷ûèê÷èûóðûîøóééçúò÷ùèèíèûäûèóíîçîø÷ê èôóéé÷ùèóíîçîð÷ééèô÷ùíîèêûùèíêìêíæóø÷éèíèô÷ê÷èûóð÷êûù÷êèóöóùûè÷ èôûèóééóõî÷øúãèô÷íåî÷êíöèô÷ìêíì÷êèãèíú÷óïìêíæ÷øûîøèôûèéèûè÷é èôûèèô÷ì÷êéíîûðìêíì÷êèãìçêùôûé÷øúãèô÷ùíîèêûùèíêåóððú÷çé÷øöíêû ìçêìíé÷óø÷îèóöó÷øóîé÷ùèóíî éçúé÷ùèóíîûíêúóöûì÷êéíîåôíóé óîèô÷úçéóî÷ééíöé÷ððóîõèûîõóúð÷ì÷êéíîûðìêíì÷êèãûèê÷èûóðûðéí÷îõûõ÷é Study Session - March 13, 2013 - Page 96 of 125 ôú óîúçéóî÷ééûéûùíîèêûùèíêûîøê÷ïíæ÷éèûîõóúð÷ì÷êéíîûðìêíì÷êèãöêíï ê÷èûóðéèíùñöíêçé÷óîùíîèêûùèóîõûùèóæóèó÷éèô÷ìçêùôûé÷ìêóù÷íöèôûè ì÷êéíîûðìêíì÷êèãéôûððú÷éçúò÷ùèèíèûäçîø÷êéçúé÷ùèóíîúíöèôóéé÷ùèóíî ùøèÔ×ÈÛÄÊÛÈ×ÉÔÛÐÐ×ËÇÛÐÈÔ×ÊÛÈ×ÍÖÈÛÄÌÊ×ÉÙÊÓÚ×ØÚÃÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎûÛÉÛÌÌÐÓ×ØÈÍÊ×ÈÛÓÐ×ÊÉÛÎØÇÈÓÐÓÈÃÚÇÉÓÎ×ÉÉ×É ÛÙÙÍÊØÓÎÕÈÍÈÔ×Ê×ÉÌ×ÙÈÓÆ×ÙÐÛÉÉÓÖÓÙÛÈÓÍÎÇÎØ×ÊÛÊÈÓÙÐ×ÉÛÎØ ÍÖÈÔÓÉ ÙÔÛÌÈ×ÊÖÍÊÈÔ×ÉÛÏ×ÈÃÌ×ÍÖÈÊÛÎÉÛÙÈÓÍÎÍÊÚÇÉÓÎ×ÉÉÛÙÈÓÆÓÈÃ ø÷óÎÛØØÓÈÓÍÎÈÍÈÔ×ÊÛÈ×ÌÊ×ÉÙÊÓÚ×ØÚÃÉÇÚÉ×ÙÈÓÍÎùøÍÖÈÔÓÉ É×ÙÈÓÍÎÓÖÛÌÌÊÍÆ×ØÚÃÈÔ×ËÇÛÐÓÖÓ×Ø×Ð×ÙÈÍÊÉÆÍÈÓÎÕÛÈÛÉÈÛÈ×ÅÓØ×Õ×Î×ÊÛÐ ×Ð×ÙÈÓÍÎÛÎÛØØÓÈÓÍÎÛÐÊÛÈ×ÓÎÙÊ×Ï×ÎÈÍÖÉÓÄÈ×ÎÈÔÉÍÖÍÎ×Ì×ÊÙ×ÎÈÓÉ ÓÏÌÍÉ×ØÛÎØÉÔÛÐÐÚ×ÙÍÐÐ×ÙÈ×ØÈÔÊÍÇÕÔòÇÎ× èÔ×ÈÛÄÌÛÃ×ÊÉÔÛÐÐÌÛÃ ÈÛÄ×ÉÌÇÊÉÇÛÎÈÈÍÈÔÓÉÉÇÚÉ×ÙÈÓÍÎÛÈÈÔ×ÉÛÏ×ÈÓÏ×ÛÎØÓÎÈÔ×ÉÛÏ×ÏÛÎÎ×ÊÛÉ ÇÎØ×ÊÉÇÚÉ×ÙÈÓÍÎùøÍÖÈÔÓÉÉ×ÙÈÓÍÎèÔ×Ø×ÌÛÊÈÏ×ÎÈÉÔÛÐÐÉ×ÌÛÊÛÈ×ÐÃ ÛÙÙÍÇÎÈÖÍÊÈÔ×Ê×Æ×ÎÇ×ÉÙÍÐÐ×ÙÈ×ØÅÓÈÔÊ×ÉÌ×ÙÈÈÍÈÔ×ÊÛÈ×ÓÏÌÍÉ×ØÌÇÊÉÇÛÎÈ ÈÍÈÔÓÉÉÇÚÉ×ÙÈÓÍÎÛÎØÈÔ×ÉÈÛÈ×ÈÊ×ÛÉÇÊ×ÊÉÔÛÐÐÌÛÃÛÐÐÍÖÈÔÍÉ×Ê×Æ×ÎÇ×É ÓÎÈÔ×ÏÛÎÎ×ÊÌÊ×ÉÙÊÓÚ×ØÚÃÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎ÷ ÷ö÷Æ×ÊÃÌ×ÊÉÍÎÉÈÍÊÓÎÕÇÉÓÎÕÍÊÙÍÎÉÇÏÓÎÕÓÎÈÔÓÉÉÈÛÈ×ÈÛÎÕÓÚÐ× Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÌÇÊÙÔÛÉ×ØÖÊÍÏÛÊ×ÈÛÓÐ×ÊÍÊÇÈÓÐÓÈÃÚÇÉÓÎ×ÉÉÓÉÐÓÛÚÐ×ÖÍÊ ÈÔ×ÈÛÄèÔ×Ì×ÊÉÍÎÉÐÓÛÚÓÐÓÈÃÓÉÎÍÈ×ÄÈÓÎÕÇÓÉÔ×ØÇÎÈÓÐÈÔ×ÈÛÄÔÛÉÚ××Î ÌÛÓØÈÍÈÔÓÉÉÈÛÈ× öõûÊ×Ù×ÓÌÈÖÊÍÏÛÊ×ÈÛÓÐ×ÊÍÊÇÈÓÐÓÈÃÚÇÉÓÎ×ÉÉÈÔÛÈÏÛÓÎÈÛÓÎÉÛ ÌÐÛÙ×ÍÖÚÇÉÓÎ×ÉÉÓÎÈÔÓÉÉÈÛÈ×ÍÊÖÊÍÏÛÊ×ÈÛÓÐ×ÊÍÊÇÈÓÐÓÈÃÚÇÉÓÎ×ÉÉÈÔÛÈ ÓÉÛÇÈÔÍÊÓÂ×ØÚÃÈÔ×Ø×ÌÛÊÈÏ×ÎÈÈÍÙÍÐÐ×ÙÈÈÔ×ÈÛÄÇÎØ×ÊÉÇÙÔÊÇÐ×ÉÛÉÓÈ ÏÛÃÌÊ×ÉÙÊÓÚ×ÛÎØÈÔÛÈÓÉÖÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÈÔÓÉÛÊÈÓÙÐ×Ê×ÕÛÊØ×ØÛÉÛ Ê×ÈÛÓÐ×ÊÍÊÇÈÓÐÓÈÃÚÇÉÓÎ×ÉÉÏÛÓÎÈÛÓÎÓÎÕÛÌÐÛÙ×ÍÖÚÇÉÓÎ×ÉÉÓÎÈÔÓÉÉÈÛÈ× ÕÓÆ×ÎÈÍÈÔ×ÌÇÊÙÔÛÉ×ÊÛÉÌÊÍÆÓØ×ØÓÎÉ×ÙÈÓÍÎ ÓÉÉÇÖÖÓÙÓ×ÎÈÈÍ Ê×ÐÓ×Æ×ÈÔ×ÌÇÊÙÔÛÉ×ÊÖÊÍÏÖÇÊÈÔ×ÊÐÓÛÚÓÐÓÈÃÖÍÊÈÔ×ÈÛÄÈÍÅÔÓÙÔÈÔ×Ê×Ù×ÓÌÈ Ê×Ö×ÊÉ é×Ù é×ÙÈÓÍÎ ûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÓÉÛÏ×ÎØ×ØÈÍ Ê×ÛØ ÷Ä×ÏÌÈÓÍÎÉ ûèÔ×ÈÛÄÐ×ÆÓ×ØÚÃÈÔÓÉÛÊÈÓÙÐ×ØÍ×ÉÎÍÈÛÌÌÐÃÈÍÈÔ×ÉÈÍÊÛÕ×ÇÉ× ÍÊÙÍÎÉÇÏÌÈÓÍÎÓÎÈÔÓÉÉÈÛÈ×ÍÖÈÔ×ÖÍÐÐÍÅÓÎÕØ×ÉÙÊÓÚ×ØÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐ ÌÊÍÌ×ÊÈÃ èÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÉÍÐØÓÎÈÔÓÉÉÈÛÈ×ÈÔ×ÕÊÍÉÉÊ×Ù×ÓÌÈÉ ÖÊÍÏÈÔ×ÉÛÐ×ÍÖÅÔÓÙÔÛÊ×ÓÎÙÐÇØ×ØÓÎÈÔ×Ï×ÛÉÇÊ×ÍÖÈÔ×ÈÛÄÓÏÌÍÉ×ØÚÃ ÛÊÈÓÙÐ×ÉÛÎØ ÍÖÈÔÓÉÙÔÛÌÈ×Ê èÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÈÔ×ÉÛÐ×ÍÊÇÉ×ÍÖÅÔÓÙÔÔÛÉÛÐÊ×ÛØÃ Ú××ÎÉÇÚÒ×ÙÈ×ØÈÍÛÎ×ÄÙÓÉ×ÈÛÄÛÈÛÊÛÈ××ËÇÛÐÈÍÍÊ×ÄÙ××ØÓÎÕÈÔ×ÈÛÄ ÓÏÌÍÉ×ØÚÃÈÔÓÉÛÊÈÓÙÐ×ÇÎØ×ÊÈÔ×ÐÛÅÉÍÖÛÎÍÈÔ×ÊÉÈÛÈ×ÍÖÈÔ×çÎÓÈ×ØéÈÛÈ×É óÖÈÔ××ÄÙÓÉ×ÈÛÄÓÏÌÍÉ×ØÚÃÈÔ×ÍÈÔ×ÊÉÈÛÈ×ÓÉÛÈÛÊÛÈ×Ð×ÉÉÈÔÛÎÈÔ×ÈÛÄ ÓÏÌÍÉ×ØÚÃÈÔÓÉÛÊÈÓÙÐ×ÈÔ×ÈÛÄÓÏÌÍÉ×ØÚÃÈÔÓÉÛÊÈÓÙÐ×ÓÉÊ×ØÇÙ×ØÚÃÈÔ× ÛÏÍÇÎÈÍÖÈÔ×ÈÛÄÛÐÊ×ÛØÃÓÏÌÍÉ×ØÚÃÈÔ×ÍÈÔ×ÊÉÈÛÈ× èÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÈÔ×ÉÈÍÊÛÕ×ÇÉ×ÍÊÙÍÎÉÇÏÌÈÓÍÎÍÖ ÅÔÓÙÔÈÔ×ÙÍÎÉÈÓÈÇÈÓÍÎÍÊÐÛÅÉÍÖÈÔ×çÎÓÈ×ØéÈÛÈ×ÉÌÊÍÔÓÚÓÈÈÔÓÉÉÈÛÈ×ÖÊÍÏ Study Session - March 13, 2013 - Page 97 of 125 ôú ÈÛÄÓÎÕÍÊÈÍÈÔ××ÄÈ×ÎÈÈÔÛÈÈÔ×ÊÛÈ×ÍÊÓÏÌÍÉÓÈÓÍÎÍÖÈÛÄÓÉ ÇÎÙÍÎÉÈÓÈÇÈÓÍÎÛÐÇÎØ×ÊÈÔ×ÐÛÅÉÍÖÈÔ×çÎÓÈ×ØéÈÛÈ×É èÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÅÔÓÙÔèôûèØÓÊ×ÙÈÐÃ×ÎÈ×ÊÉÓÎÈÍÛÎØ Ú×ÙÍÏ×ÉÛÎÓÎÕÊ×ØÓ×ÎÈÍÊÙÍÏÌÍÎ×ÎÈÌÛÊÈÍÖÛÎÃÏÛÎÇÖÛÙÈÇÊ×ØÖÛÚÊÓÙÛÈ×ØÍÊ ÌÊÍÙ×ÉÉ×ØÛÊÈÓÙÐ×ÉÇÚÉÈÛÎÙ×ÍÊÙÍÏÏÍØÓÈÃÖÍÊÉÛÐ×ÓÎÈÔ×Ê×ÕÇÐÛÊÙÍÇÊÉ×ÍÖ ÚÇÉÓÎ×ÉÉ ïÍÈÍÊÆ×ÔÓÙÐ×ÖÇ×ÐÛÎØÇÉ×ÖÇ×ÐÈÔ×ÉÛÐ×ÉØÓÉÈÊÓÚÇÈÓÍÎÍÊÇÉ×ÍÖ ÅÔÓÙÔÓÎÈÔÓÉÉÈÛÈ×ÓÉÉÇÚÒ×ÙÈÈÍÈÔ×ÈÛÄÓÏÌÍÉ×ØÇÎØ×ÊÈÓÈÐ× ÙÔÛÌÈ×Ê ÛÊÈÓÙÐ×ÇÉ×ÖÇ×ÐÅÔÓÙÔèôûèÓÉÉÍÐØÈÍÍÊÇÉ×ØÚÃÛÌ×ÊÉÍÎÔÍÐØÓÎÕÛÆÛÐÓØ ÉÓÎÕÐ×ÈÊÓÌÇÉ×ÖÇ×ÐÈÛÄÌ×ÊÏÓÈÓÉÉÇ×ØÇÎØ×ÊÉ×ÙÈÓÍÎ ÛÆÓÛÈÓÍÎÖÇ×Ð ÈÔ×ÉÛÐ×ÉØÓÉÈÊÓÚÇÈÓÍÎÍÊÇÉ×ÍÖÅÔÓÙÔÓÎÈÔÓÉÉÈÛÈ×ÓÉÉÇÚÒ×ÙÈÈÍÈÔ×ÈÛÄ ÓÏÌÍÉ×ØÇÎØ×ÊÉ×ÙÈÓÍÎ ÛÎØÒ×ÈÖÇ×ÐÈÔ×ÉÛÐ×ÉØÓÉÈÊÓÚÇÈÓÍÎÍÊÇÉ× ÍÖÅÔÓÙÔÓÎÈÔÓÉÉÈÛÈ×ÓÉÉÇÚÒ×ÙÈÈÍÈÔ×ÈÛÄÓÏÌÍÉ×ØÇÎØ×ÊÛÊÈÓÙÐ×ÍÖÈÔÓÉ ÙÔÛÌÈ×Ê èÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÚÊÍÇÕÔÈÓÎÈÍÈÔÓÉÉÈÛÈ×ÚÃÛÎÓÎØÓÆÓØÇÛÐ ÅÔÍÅÛÉÛÎÍÎÊ×ÉÓØ×ÎÈÛÈÈÔ×ÈÓÏ×ÈÔ×ÌÊÍÌ×ÊÈÃÅÛÉÌÇÊÙÔÛÉ×ØÖÍÊÉÈÍÊÛÕ×ÇÉ× ÍÊÙÍÎÉÇÏÌÈÓÍÎÚÃÈÔ×ÓÎØÓÆÓØÇÛÐÓÖÈÔ×ÖÓÊÉÈÛÙÈÇÛÐÇÉ×ÍÊÙÍÎÉÇÏÌÈÓÍÎÍÖ ÈÔ×ÌÊÍÌ×ÊÈÃÅÛÉÍÇÈÉÓØ×ÈÔÓÉÉÈÛÈ×ÇÎÐ×ÉÉÈÔ×ÌÊÍÌ×ÊÈÃÓÉÇÉ×ØÓÎ ÙÍÎØÇÙÈÓÎÕÛÚÇÉÓÎ×ÉÉÓÎÈÔÓÉÉÈÛÈ× ìÇÊÙÔÛÉ×ÉÍÖÓÏÌÐÛÎÈÉÇÉ×ØÛÉÕÊÍÅÈÔÌÊÍÏÍÈÛÎÈÉÛÎØÓÎÒ×ÙÈÛÚÐ× Ï×ØÓÙÓÎ×ÉÎÍÈÛÐÊ×ÛØÃ×Ä×ÏÌÈÇÎØ×ÊÌÛÊÛÕÊÛÌÔÍÖÈÔÓÉÉÇÚÉ×ÙÈÓÍÎÖÍÊ ÐÓÆ×ÉÈÍÙÑÛÎØÌÍÇÐÈÊÃÍÅÎ×ØÚÃÍÊÓÎÌÍÉÉ×ÉÉÓÍÎÍÖÌ×ÊÉÍÎÉÅÔÍÛÊ××ÎÕÛÕ×Ø ÓÎÌÊÍØÇÙÓÎÕÐÓÆ×ÉÈÍÙÑÌÍÇÐÈÊÃÍÊÐÓÆ×ÉÈÍÙÑÍÊÌÍÇÐÈÊÃÌÊÍØÇÙÈÉÍÊÅÔÍÛÊ× ×ÎÕÛÕ×ØÓÎÖ××ØÓÎÕÐÓÆ×ÉÈÍÙÑÍÊÌÍÇÐÈÊÃÙÍÏÏ×ÊÙÓÛÐÐÃöÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖ ÈÔÓÉÌÛÊÛÕÊÛÌÔÌÍÇÐÈÊÃÓÎÙÐÇØ×ÉÊÛÈÓÈ×É ðÓÆ×ÉÈÍÙÑÌÍÇÐÈÊÃÉÇÌÌÐÓ×ÉÖ××ØÉÛÐÈÉÆÓÈÛÏÓÎÉÛÎØÍÈÔ×Ê ÛØØÓÈÓÆ×ÉÖÍÊÇÉ×ÍÊÙÍÎÉÇÏÌÈÓÍÎÓÎÈÔ×ÚÇÉÓÎ×ÉÉ×ÉÍÖÖÛÊÏÓÎÕÊÛÎÙÔÓÎÕÛÎØ Ö××ØÓÎÕÐÓÆ×ÉÈÍÙÑÍÊÌÍÇÐÈÊÃÎÍÈÓÎÙÐÇØÓÎÕÖ×ÊÈÓÐÓÂ×ÊÉÔ×ÊÚÓÙÓØ×ÉÛÎØ ÓÎÉ×ÙÈÓÙÓØ×ÉöÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÈÔÓÉÌÛÊÛÕÊÛÌÔÌÍÇÐÈÊÃÓÎÙÐÇØ×É ÊÛÈÓÈ×É é××ØÉÉ××ØÐÓÎÕÉÊÍÍÈÉÚÇÐÚÉÙÇÈÈÓÎÕÉÛÎØÍÈÔ×ÊÌÊÍÌÛÕÛÈÓÆ× ÏÛÈ×ÊÓÛÐÖÍÊÇÉ×ÓÎÙÍÏÏ×ÊÙÓÛÐÐÃÌÊÍØÇÙÓÎÕÛÕÊÓÙÇÐÈÇÊÛÐÔÍÊÈÓÙÇÐÈÇÊÛÐ ÆÓÈÓÙÇÐÈÇÊÛÐÍÊÖÐÍÊÓÙÇÐÈÇÊÛÐÙÊÍÌÉÓÎÈÔÓÉÉÈÛÈ× èÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÎÍÈ×ÄÙ××ØÓÎÕÈÅÍÔÇÎØÊ×ØØÍÐÐÛÊÉÓÎÛÎÃ ÍÎ×ÏÍÎÈÔÌÇÊÙÔÛÉ×ØÚÃÛÎÓÎØÓÆÓØÇÛÐÛÈÊ×ÈÛÓÐÍÇÈÉÓØ×ÈÔ×ÙÍÎÈÓÎ×ÎÈÛÐÐÓÏÓÈÉ ÍÖÈÔ×çÎÓÈ×ØéÈÛÈ×ÉÖÍÊÈÔ×ÓÎØÓÆÓØÇÛÐÉÍÅÎÌ×ÊÉÍÎÛÐÇÉ×ÛÎØ×ÎÒÍÃÏ×ÎÈ ûØÆ×ÊÈÓÉÓÎÕÉÇÌÌÐ×Ï×ÎÈÉÅÔÓÙÔ èôûèÛÊ×ÓÎÈ×ÎØ×ØÖÍÊÉÛÐ×ÅÓÈÔ Î×ÅÉÌÛÌ×ÊÉÌÇÚÐÓÉÔ×ØÓÎÈÔÓÉÉÈÛÈ×ÛÎØÅÔÓÙÔèôûèÔÛÆ×ÛÐÊ×ÛØÃÚ××ÎÉÇÚÒ×ÙÈ×Ø ÈÍÛÎ×ÄÙÓÉ×ÈÛÄÇÎØ×ÊÈÔ×ÐÛÅÉÍÖÛÎÍÈÔ×ÊÉÈÛÈ×ÓÎÈÔ×çÎÓÈ×ØéÈÛÈ×ÉÅÔÓÙÔ èôûè×ËÇÛÐÉÍÊ×ÄÙ××ØÉÈÔ×ÈÛÄÓÏÌÍÉ×ØÚÃÈÔÓÉÛÊÈÓÙÐ× ïÛÈ×ÊÓÛÐÉÈÔÛÈÛÊ×ÌÇÊÙÔÛÉ×ØÚÃÍÊÖÍÊÌÇÚÐÓÙÐÃÖÇÎØ×ØÐÓÚÊÛÊÓ×É ÓÎÙÐÇØÓÎÕÉÙÔÍÍÐØÓÉÈÊÓÙÈÐÓÚÊÛÊÓ×ÉÙÔÛÊÈ×ÊÉÙÔÍÍÐÐÓÚÊÛÊÓ×ÉÙÍÏÏÇÎÓÈÃ ÙÍÐÐ×Õ×ÐÓÚÊÛÊÓ×ÉÉÈÛÈ×ÇÎÓÆ×ÊÉÓÈÃÐÓÚÊÛÊÓ×ÉÍÊÖ×Ø×ÊÛÐÉÈÛÈ×ÙÍÇÎÈÃÍÊ ÏÇÎÓÙÓÌÛÐÐÓÚÊÛÊÓ×ÉÖÍÊÇÉ×ÚÃÈÔ×ÌÇÚÐÓÙÛÉÖÍÐÐÍÅÉ Study Session - March 13, 2013 - Page 98 of 125 ôú ÛìÊÓÎÈ×ØÍÊÌÔÍÈÍÕÊÛÌÔÓÙÏÛÈ×ÊÓÛÐÉÚ×ÕÓÎÎÓÎÕûÇÕÇÉÈ Ú÷Ð×ÙÈÊÍÎÓÙÍÊØÓÕÓÈÛÐÏ×ØÓÛÏÛÈ×ÊÓÛÐÉÚ×ÕÓÎÎÓÎÕòÇÐÃ èÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÌÇÊÙÔÛÉ×ØÚÃ ÛûÔÍÉÌÓÈÛÐÍÊÕÛÎÓÂ×ØÛÎØÍÌ×ÊÛÈ×Ø×ÄÙÐÇÉÓÆ×ÐÃÖÍÊÙÔÛÊÓÈÛÚÐ× ÌÇÊÌÍÉ×ÉÎÍÌÛÊÈÍÖÈÔ×Î×È×ÛÊÎÓÎÕÉÍÖÅÔÓÙÔÓÎÇÊ×ÉÈÍÈÔ×Ú×Î×ÖÓÈÍÖÛÎÃ ÌÊÓÆÛÈ×ÉÔÛÊ×ÔÍÐØ×ÊÍÊÓÎØÓÆÓØÇÛÐ ÚûÔÍÉÌÓÈÛÐÍÌ×ÊÛÈ×ØÚÃÈÔÓÉÉÈÛÈ×ÍÊÛÌÍÐÓÈÓÙÛÐÉÇÚØÓÆÓÉÓÍÎÍÖ ÈÔÓÉÉÈÛÈ× ÙûÐÓÙ×ÎÉ×ØÎÇÊÉÓÎÕÙÛÊ×ÓÎÉÈÓÈÇÈÓÍÎÍÊÛÐÓÙ×ÎÉ×ØÊ×ÉÓØ×ÎÈÓÛÐÙÛÊ× ÓÎÉÈÓÈÇÈÓÍÎÍÊÛÊ×ÉÓØ×ÎÈÓÛÐÙÛÊ×ÖÛÙÓÐÓÈÃÍÌ×ÊÛÈ×ØÓÎÙÍÎÒÇÎÙÈÓÍÎÅÓÈÔÛ ÐÓÙ×ÎÉ×ØÎÇÊÉÓÎÕÙÛÊ×ÓÎÉÈÓÈÇÈÓÍÎÍÊÛÐÓÙ×ÎÉ×ØÑÓØÎ×ÃØÓÛÐÃÉÓÉÙ×ÎÈ×ÊÅÔÓÙÔ ÌÊÍÆÓØ×ÉÏ×ØÓÙÛÐÉ×ÊÆÓÙ×ÉÎÇÊÉÓÎÕÉ×ÊÆÓÙ×ÉÍÊÔ×ÛÐÈÔÊ×ÐÛÈ×ØÉ×ÊÆÓÙ×ÉÛÎØÓÉ ÎÍÈÇÉ×ØÍÊÔ×ÐØÖÍÊÌÊÍÖÓÈ ØûËÇÛÐÓÖÃÓÎÕÔ×ÛÐÈÔÙÛÊ×ÍÊÕÛÎÓÂÛÈÓÍÎÛÉØ×ÖÓÎ×ØÓÎÉ×ÙÈÓÍÎ ÓÖÈÔ×ÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÓÉÇÉ×ØÚÃÈÔ×ÍÊÕÛÎÓÂÛÈÓÍÎÉÍÐ×ÐÃ ÈÍÌÊÍÆÓØ×Ô×ÛÐÈÔÛÎØÏ×ØÓÙÛÐÊ×ÐÛÈ×Ø×ØÇÙÛÈÓÍÎÛÐÛÎØÙÔÛÊÓÈÛÚÐ×É×ÊÆÓÙ×É ×ûËÇÛÐÓÖÃÓÎÕÔ×ÛÐÈÔÙÛÊ×ÍÊÕÛÎÓÂÛÈÓÍÎÛÉØ×ÖÓÎ×ØÓÎÉ×ÙÈÓÍÎ ÓÖÈÔ×ÍÊÕÛÎÓÂÛÈÓÍÎÓÉØ×ØÓÙÛÈ×ØÈÍÌÊÍÆÓØÓÎÕ×ØÇÙÛÈÓÍÎÛÐ ÈÔ×ÊÛÌ×ÇÈÓÙÊ×ÔÛÚÓÐÓÈÛÈÓÆ×ÛÎØÖÛÏÓÐÃÏ×ØÓÙÛÐ×ØÇÙÛÈÓÍÎÈÊÛÓÎÓÎÕÖÍÊÚÐÓÎØ ÆÓÉÇÛÐÐÃÓÏÌÛÓÊ×ØÛÎØÏÇÐÈÓÔÛÎØÓÙÛÌÌ×ØÙÔÓÐØÊ×ÎÖÊÍÏÈÔ×ÈÓÏ×ÍÖÚÓÊÈÔÈÍÛÕ× ÈÅ×ÎÈÃÍÎ× ÖûÎÍÎÌÊÍÖÓÈÙÔÛÊÓÈÛÚÐ×ÍÊÕÛÎÓÂÛÈÓÍÎÈÔÛÈÔÛÉËÇÛÐÓÖÓ×ØÇÎØ×Ê É×ÙÈÓÍÎ Ù ÍÖÈÔ×çÎÓÈ×ØéÈÛÈ×ÉÓÎÈ×ÊÎÛÐÊ×Æ×ÎÇ×ÙÍØ×ÛÎØÈÔÛÈ×ÎÕÛÕ×É ÓÎÛÎØÇÉ×ÉÉÇÙÔÌÊÍÌ×ÊÈÃ×ÄÙÐÇÉÓÆ×ÐÃÓÎÌÊÍÕÊÛÏÉÖÍÊÏ×ÎÈÛÐÐÃÍÊÌÔÃÉÓÙÛÐÐÃ ÔÛÎØÓÙÛÌÌ×ØÌ×ÊÉÍÎÉÓÖÈÔ×ÌÊÍÕÊÛÏÉÛÊ××ÄÙÐÇÉÓÆ×ÐÃÖÍÊÈÊÛÓÎÓÎÕÒÍÚ ÌÐÛÙ×Ï×ÎÈÊ×ÔÛÚÓÐÓÈÛÈÓÍÎÍÊÈ×ÉÈÓÎÕ ÕûÌ×ÊÉÍÎÈÔÛÈÓÉÉÇÚÒ×ÙÈÈÍÈÛÄÇÎØ×ÊÛÊÈÓÙÐ×ÍÖÈÔÓÉÙÔÛÌÈ×ÊÚÃ Ê×ÛÉÍÎÍÖÚ×ÓÎÕ×ÎÕÛÕ×ØÓÎÚÇÉÓÎ×ÉÉÙÐÛÉÉÓÖÓ×ØÇÎØ×ÊÈÔ×ÌÊÓÏ×ÙÍÎÈÊÛÙÈÓÎÕ ïûîçöûùèçê÷øúçóðøóîõø÷ûð÷êÙÐÛÉÉÓÖÓÙÛÈÓÍÎÇÎØ×ÊÉ×ÙÈÓÍÎ ÍÊÛ ÉÇÚÙÍÎÈÊÛÙÈÍÊÅÍÊÑÓÎÕÇÎØ×ÊÈÔ×ÙÍÎÈÊÍÐÍÖÛÌÊÓÏ×ÙÍÎÈÊÛÙÈÍÊÓÖÈÔ× ÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÓÉÛÎÃÍÖÈÔ×ÖÍÐÐÍÅÓÎÕ Óèíú÷ÓÎÙÍÊÌÍÊÛÈ×ØÍÊÖÛÚÊÓÙÛÈ×ØÚÃÈÔ×ÙÍÎÈÊÛÙÈÍÊÓÎÈÍÛ ïûîçöûùèçê÷øúçóðøóîõÉÈÊÇÙÈÇÊ×ÌÊÍÒ×ÙÈØ×Æ×ÐÍÌÏ×ÎÈÍÊÓÏÌÊÍÆ×Ï×ÎÈÓÎ ÖÇÐÖÓÐÐÏ×ÎÈÍÖÛÙÍÎÈÊÛÙÈ ÓÓçÉ×ØÓÎ×ÎÆÓÊÍÎÏ×ÎÈÛÐÊ×ÉÌÍÎÉ×ÍÊÊ×Ï×ØÓÛÈÓÍÎÛÙÈÓÆÓÈÓ×ÉÇÎØ×Ê É×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎúÌÛÊÛÕÊÛÌÔ ÔûÎÍÎÌÊÍÖÓÈÙÔÛÊÓÈÛÚÐ×ÍÊÕÛÎÓÂÛÈÓÍÎÈÔÛÈÔÛÉËÇÛÐÓÖÓ×ØÇÎØ×Ê É×ÙÈÓÍÎ Ù ÍÖÈÔ×ÓÎÈ×ÊÎÛÐÊ×Æ×ÎÇ×ÙÍØ×ÓÖÈÔ×ÌÊÍÌ×ÊÈÃÓÉÌÇÊÙÔÛÉ×Ø ÖÊÍÏÈÔ×ÌÛÊ×ÎÈÍÊÛÎÛÖÖÓÐÓÛÈ×ÍÊÕÛÎÓÂÛÈÓÍÎÈÔÛÈÓÉÐÍÙÛÈ×ØÍÇÈÉÓØ×ÈÔÓÉ ÉÈÛÈ× ÓûËÇÛÐÓÖÃÓÎÕÙÍÏÏÇÎÓÈÃÔ×ÛÐÈÔÙ×ÎÈ×ÊÛÉØ×ÖÓÎ×ØÓÎÉ×ÙÈÓÍÎ ÒûÎÍÎÌÊÍÖÓÈÙÔÛÊÓÈÛÚÐ×ÍÊÕÛÎÓÂÛÈÓÍÎÈÔÛÈÔÛÉËÇÛÐÓÖÓ×ØÇÎØ×Ê É×ÙÈÓÍÎ Ù ÍÖÈÔ×ÓÎÈ×ÊÎÛÐÊ×Æ×ÎÇ×ÙÍØ×ÛÎØÈÔÛÈÊ×ÕÇÐÛÊÐÃÉ×ÊÆ×É Ï×ÛÐÉÈÍÈÔ×Î××ØÃÛÎØÓÎØÓÕ×ÎÈÍÎÛÙÍÎÈÓÎÇÓÎÕÚÛÉÓÉÛÈÎÍÙÍÉÈ Study Session - March 13, 2013 - Page 99 of 125 ôú ÑûÌ×ÊÉÍÎ×ÎÕÛÕ×ØÓÎÚÇÉÓÎ×ÉÉÇÎØ×ÊÈÔ×ÈÊÛÎÉÓ×ÎÈÐÍØÕÓÎÕ ÙÐÛÉÉÓÖÓÙÛÈÓÍÎÓÖÈÔ×ÌÊÍÌ×ÊÈÃÓÉÛÌ×ÊÉÍÎÛÐÔÃÕÓ×Î×ÓÈ×ÏÍÊÛÊÈÓÙÐ×ÉÇÉ×ØÚÃ ÔÇÏÛÎÚ×ÓÎÕÉÖÍÊÖÍÍØØÊÓÎÑÍÊÙÍÎØÓÏ×ÎÈ×ÄÙ×ÌÈÛÐÙÍÔÍÐÓÙÚ×Æ×ÊÛÕ×ÉÅÔÓÙÔ ÛÊ×ÖÇÊÎÓÉÔ×ØÅÓÈÔÍÇÈÛØØÓÈÓÍÎÛÐÙÔÛÊÕ×ÈÍÛÎØÓÎÈ×ÎØ×ØÈÍÚ×ÙÍÎÉÇÏ×ØÚÃÈÔ× ÈÊÛÎÉÓ×ÎÈØÇÊÓÎÕÈÔ×ÈÊÛÎÉÓ×ÎÈÉÍÙÙÇÌÛÎÙÃ ÐöÍÊÈÛÄÛÚÐ×Ì×ÊÓÍØÉÚ×ÕÓÎÎÓÎÕÖÊÍÏÛÎØÛÖÈ×ÊòÇÎ× Û ÎÍÎÌÊÍÖÓÈÙÔÛÊÓÈÛÚÐ×ÍÊÕÛÎÓÂÛÈÓÍÎÈÔÛÈÔÛÉËÇÛÐÓÖÓ×ØÇÎØ×ÊÉ×ÙÈÓÍÎ Ù ÍÖÈÔ×ÓÎÈ×ÊÎÛÐÊ×Æ×ÎÇ×ÙÍØ×ÛÎØÈÔÛÈÌÊÍÆÓØ×ÉÊ×ÉÓØ×ÎÈÓÛÐÛÌÛÊÈÏ×ÎÈÔÍÇÉÓÎÕ ÖÍÊÐÍÅÓÎÙÍÏ×Ì×ÊÉÍÎÉÍÆ×ÊÉÓÄÈÃÈÅÍÃ×ÛÊÉÍÖÛÕ×ÓÎÛÖÛÙÓÐÓÈÃÈÔÛÈ ËÇÛÐÓÖÓ×ÉÖÍÊÛÖ×Ø×ÊÛÐÔÍÇÉÓÎÕÉÇÚÉÓØÃÓÖÈÔ×ÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÓÉ ÇÉ×ØÚÃÈÔ×ÍÊÕÛÎÓÂÛÈÓÍÎÉÍÐ×ÐÃÈÍÌÊÍÆÓØ×Ê×ÉÓØ×ÎÈÓÛÐÛÌÛÊÈÏ×ÎÈÔÍÇÉÓÎÕÖÍÊ ÐÍÅÓÎÙÍÏ×Ì×ÊÉÍÎÉÍÆ×ÊÉÓÄÈÃÈÅÍÃ×ÛÊÉÍÖÛÕ×ÓÎÛÖÛÙÓÐÓÈÃÈÔÛÈËÇÛÐÓÖÓ×É ÖÍÊÛÖ×Ø×ÊÛÐÔÍÇÉÓÎÕÉÇÚÉÓØÃ ùÍÏÏÍØÓÈÓ×ÉÛÉØ×ÖÓÎ×ØÚÃÈÓÈÐ×çÎÓÈ×ØéÈÛÈ×ÉùÍØ×É×ÙÈÓÍÎ ÈÔÛÈÛÊ×ÙÍÎÉÓÕÎ×ØÖÍÊÊ×ÉÛÐ×ÓÎÛÅÛÊ×ÔÍÇÉ×ÓÎÈÔÓÉÉÈÛÈ×ÓÎÍÊÖÊÍÏÅÔÓÙÔ ÈÔ×ÙÍÏÏÍØÓÈÃÓÉØ×ÐÓÆ×ÊÛÚÐ×ÍÎÛÙÍÎÈÊÛÙÈÖÍÊÖÇÈÇÊ×Ø×ÐÓÆ×ÊÃÉÇÚÒ×ÙÈÈÍÈÔ× ÊÇÐ×ÉÍÖÛÙÍÏÏÍØÓÈÃÏÛÊÑ×ÈÊ×ÕÇÐÛÈ×ØÚÃÈÔ×çÎÓÈ×ØéÈÛÈ×ÉÙÍÏÏÍØÓÈÃÖÇÈÇÊ×É ÈÊÛØÓÎÕÙÍÏÏÓÉÉÓÍÎ èÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÉÍÐØÚÃ ÛûÎÃÎÍÎÌÊÍÖÓÈÍÊÕÛÎÓÂÛÈÓÍÎÍÊÕÛÎÓÂ×ØÛÎØÍÌ×ÊÛÈ×Ø×ÄÙÐÇÉÓÆ×ÐÃÖÍÊ ÙÔÛÊÓÈÛÚÐ×ÌÇÊÌÍÉ×ÉÛÎØÊ×ÙÍÕÎÓÂ×ØÚÃÈÔ×çÎÓÈ×ØéÈÛÈ×ÉÓÎÈ×ÊÎÛÐÊ×Æ×ÎÇ× É×ÊÆÓÙ×ÇÎØ×ÊÉ×ÙÈÓÍÎ Ù ÍÖÈÔ×ÓÎÈ×ÊÎÛÐÊ×Æ×ÎÇ×ÙÍØ× ÚûÎÍÎÌÊÍÖÓÈÍÊÕÛÎÓÂÛÈÓÍÎÈÔÛÈÓÉ×Ä×ÏÌÈÖÊÍÏÈÛÄÛÈÓÍÎÇÎØ×Ê É×ÙÈÓÍÎ Ù ÍÊ ÙÍÖÈÔ×ÓÎÈ×ÊÎÛÐÊ×Æ×ÎÇ×ÙÍØ×ÓÖÈÔ× ÍÊÕÛÎÓÂÛÈÓÍÎÓÉÛÉÉÍÙÓÛÈ×ØÅÓÈÔÛÏÛÒÍÊÐ×ÛÕÇ×ÚÛÉ×ÚÛÐÐÈ×ÛÏÍÊÛÎÛÈÓÍÎÛÐ ÈÍÇÊÓÎÕÌÊÍÖ×ÉÉÓÍÎÛÐÕÍÐÖÓÎÕÛÉÉÍÙÓÛÈÓÍÎÛÎØÎÍÌÛÊÈÍÖÈÔ×ÍÊÕÛÎÓÂÛÈÓÍÎÉ Î×È×ÛÊÎÓÎÕÉÓÎÇÊ×ÉÈÍÈÔ×Ú×Î×ÖÓÈÍÖÛÎÃÌÊÓÆÛÈ×ÉÔÛÊ×ÔÍÐØ×ÊÍÊÓÎØÓÆÓØÇÛÐ ÙûÎÍÎÌÊÍÖÓÈÍÊÕÛÎÓÂÛÈÓÍÎÈÔÛÈÓÉ×Ä×ÏÌÈÖÊÍÏÈÛÄÛÈÓÍÎÇÎØ×Ê É×ÙÈÓÍÎ Ù Ù Ù ÙÍÊ ÙÍÖÈÔ× ÓÎÈ×ÊÎÛÐÊ×Æ×ÎÇ×ÙÍØ×ÓÖÈÔ×ÍÊÕÛÎÓÂÛÈÓÍÎÉÌÍÎÉÍÊÉÍÊÍÌ×ÊÛÈ×ÉÛÊÍØ×Í Ö×ÛÈÇÊÓÎÕÌÊÓÏÛÊÓÐÃÖÛÊÏÛÎØÊÛÎÙÔÛÎÓÏÛÐÉÛÎØÎÍÌÛÊÈÍÖÈÔ×ÍÊÕÛÎÓÂÛÈÓÍÎÉ Î×È×ÛÊÎÓÎÕÉÓÎÇÊ×ÉÈÍÈÔ×Ú×Î×ÖÓÈÍÖÛÎÃÌÊÓÆÛÈ×ÉÔÛÊ×ÔÍÐØ×ÊÍÊÓÎØÓÆÓØÇÛÐ øÊÇÕÉÛÎØÏ×ØÓÙÛÐÍÄÃÕ×ÎÓÎÙÐÇØÓÎÕØ×ÐÓÆ×ÊÃÔÍÉ×ÏÛÉÑÍÊÈ×ÎÈ Ê×ÕÇÐÛÈÍÊÛÎØÈÛÎÑÍÎÈÔ×ÌÊ×ÉÙÊÓÌÈÓÍÎÍÖÛÏ×ÏÚ×ÊÍÖÈÔ×Ï×ØÓÙÛÐØ×ÎÈÛÐÍÊ Æ×È×ÊÓÎÛÊÓÛÎÌÊÍÖ×ÉÉÓÍÎÅÔÍÓÉÐÓÙ×ÎÉ×ØÚÃÐÛÅÈÍÛØÏÓÎÓÉÈ×ÊÉÇÙÔÉÇÚÉÈÛÎÙ×É ìÊÍÉÈÔ×ÈÓÙÛÌÌÐÓÛÎÙ×ÉÛÉØ×ÖÓÎ×ØÓÎÉ×ÙÈÓÍÎ ÌÊ×ÉÙÊÓÚ×ØÍÊ Ê×ÙÍÏÏ×ÎØ×ØÚÃÛÌ×ÊÉÍÎÅÔÍÓÉÐÓÙ×ÎÉ×ØÊ×ÕÓÉÈ×Ê×ØÍÊÍÈÔ×ÊÅÓÉ× ÌÊÍÖ×ÉÉÓÍÎÛÐÐÃÙÊ×Ø×ÎÈÓÛÐ×ØÛÉÛÌÔÃÉÓÙÓÛÎØ×ÎÈÓÉÈÌÍØÓÛÈÊÓÉÈ ÙÔÓÊÍÌÊÛÙÈÍÊÎÛÈÇÊÍÌÛÈÔÔÍÏ×ÍÌÛÈÔÎÇÊÉ×ÍÊÍÌÈÍÏ×ÈÊÓÉÈ ìÊ×ÉÙÊÓÌÈÓÍÎ×Ã×ÕÐÛÉÉ×ÉÛÎØÙÍÎÈÛÙÈÐ×ÎÉ×É óÎÉÇÐÓÎÓÎÉÇÐÓÎÉÃÊÓÎÕ×ÉÛÎØÕÐÇÙÍÉ×È×ÉÈÉÈÊÓÌÉ ô×ÛÊÓÎÕÛÓØÉÛÉØ×ÖÓÎ×ØÓÎÉ×ÙÈÓÍÎ ÅÔÓÙÔ èôûèÔÛÉÛÙ×ÎÈ×ÊÉÖÍÊÏ×ØÓÙÛÊ×ÛÎØ Ï×ØÓÙÛÓØÉ×ÊÆÓÙ×ÉÙÍÏÏÍÎÌÊÍÙ×ØÇÊ×ÙÍØ×ÓÉØ×ÉÓÕÎÛÈ×ØÊ×ÓÏÚÇÊÉÛÚÐ×ÚÃ Ï×ØÓÙÛÊ×ÓÉÌÊ×ÉÙÊÓÚ×ØÚÃÛÌ×ÊÉÍÎÅÔÍÓÉÐÓÙ×ÎÉ×ØÇÎØ×ÊÈÓÈÐ× ÙÔÛÌÈ×Ê Study Session - March 13, 2013 - Page 100 of 125 ôú ÍÊ ÙÛÎÅÓÈÔÉÈÛÎØÊ×Ì×ÛÈ×ØÇÉ×ÓÉÌÊÓÏÛÊÓÐÃÛÎØÙÇÉÈÍÏÛÊÓÐÃ ÇÉ×ØÈÍÉ×ÊÆ×ÛÏ×ØÓÙÛÐÌÇÊÌÍÉ×ÓÉÕ×Î×ÊÛÐÐÃÎÍÈÇÉ×ÖÇÐÈÍÛÌ×ÊÉÍÎÓÎÈÔ× ÛÚÉ×ÎÙ×ÍÖÓÐÐÎ×ÉÉÍÊÓÎÒÇÊÃÛÎØÓÉÛÌÌÊÍÌÊÓÛÈ×ÖÍÊÇÉ×ÓÎÈÔ×ÔÍÏ× öÍÍØÛÉÌÊÍÆÓØ×ØÓÎÛÎØÉÇÚÒ×ÙÈÈÍÈÔ×ÙÍÎØÓÈÓÍÎÉÍÖÛÊÈÓÙÐ× ÍÖ ÈÔÓÉÙÔÛÌÈ×ÊÛÎØÉ×ÙÈÓÍÎ óÈ×ÏÉÌÇÊÙÔÛÉ×ØÅÓÈÔçÎÓÈ×ØéÈÛÈ×ÉØ×ÌÛÊÈÏ×ÎÈÍÖÛÕÊÓÙÇÐÈÇÊ×ÖÍÍØ ÉÈÛÏÌÙÍÇÌÍÎÉÓÉÉÇ×ØÇÎØ×ÊÈÔ×ÖÍÍØÉÈÛÏÌÛÙÈÍÖìð éÈÛÈ ÍÊÖÍÍØÓÎÉÈÊÇÏ×ÎÈÉÓÉÉÇ×ØÇÎØ×ÊÉ×ÙÈÓÍÎÍÖÈÔ×ÙÔÓÐØÎÇÈÊÓÈÓÍÎÛÙÈ ìð éÈÛÈ ìðÉ×ÙÈÓÍÎ çÎÓÈ×ØéÈÛÈ×ÉùÍØ× É×ÙÈÓÍÎ ÚÃÛÈÛÄÌÛÃ×ÊÅÔÓÙÔ èôûèÓÉÉÇÚÒ×ÙÈÈÍÉ×ÙÈÓÍÎ ÈÍÓÈÉ×ÏÌÐÍÃ××ÉÖÍÊÈÔ×ÓÊÍÅÎÙÍÎÉÇÏÌÈÓÍÎ ÍÎÈÔ×ÌÊ×ÏÓÉ×ÉØÇÊÓÎÕÈÔ××ÏÌÐÍÃ××ÉÔÍÇÊÉÍÖ×ÏÌÐÍÃÏ×ÎÈ èÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÈÔÛÈÓÉÇÉ×ØÍÊÙÍÎÉÇÏ×ØÓÎÛÚÇÉÓÎ×ÉÉ ÉÇÚÒ×ÙÈÈÍÉ×ÙÈÓÍÎ ÖÍÊÔÇÏÛÎÖÍÍØØÊÓÎÑÍÊÙÍÎØÓÏ×ÎÈÅÔ×ÈÔ×Ê ÉÓÏÌÐ×ÏÓÄ×ØÍÊÙÍÏÌÍÇÎØ×Ø öÍÍØØÊÓÎÑÍÊÙÍÎØÓÏ×ÎÈÛÎØÛÙÙ×ÉÉÍÊÃÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃ ÈÔÛÈÛÊ×ÛÙËÇÓÊ×ØÖÍÊÇÉ×ÚÃÍÊÌÊÍÆÓØ×ØÈÍÛÉÙÔÍÍÐØÓÉÈÊÓÙÈÍÊÙÔÛÊÈ×Ê ÉÙÔÍÍÐÓÖÈÔ×ÃÛÊ×ÈÍÚ××ÓÈÔ×ÊÉ×ÊÆ×ØÍÊÌÊ×ÌÛÊ×ØÛÎØÉ×ÊÆ×ØÈÍÌ×ÊÉÍÎÉÖÍÊ ÙÍÎÉÇÏÌÈÓÍÎÍÎÈÔ×ÌÊ×ÏÓÉ×ÉÍÖÛÌÇÚÐÓÙÉÙÔÍÍÐÓÎÈÔ×ÉÙÔÍÍÐØÓÉÈÊÓÙÈÍÊÍÎ ÈÔ×ÌÊ×ÏÓÉ×ÉÍÖÈÔ×ÙÔÛÊÈ×ÊÉÙÔÍÍÐØÇÊÓÎÕÉÙÔÍÍÐÔÍÇÊÉ ðÍÈÈ×ÊÃÈÓÙÑ×ÈÉÍÊÉÔÛÊ×ÉÌÇÊÙÔÛÉ×ØÌÇÊÉÇÛÎÈÈÍÈÓÈÐ×ÙÔÛÌÈ×Ê ÛÊÈÓÙÐ× è×ÄÈÚÍÍÑÉÉÍÐØÚÃÛÚÍÍÑÉÈÍÊ×ÈÔÛÈÛÊ×Ê×ËÇÓÊ×ØÚÃÛÎÃÉÈÛÈ× ÇÎÓÆ×ÊÉÓÈÃÍÊÙÍÏÏÇÎÓÈÃÙÍÐÐ×Õ× ÍÊÍÈÔ×ÊÌÇÚÐÓÙÛÈÓÍÎÉÌÊÍØÇÙ×ØÚÃÈÔÓÉ ÉÈÛÈ×ÈÍ×ÎÙÍÇÊÛÕ×ÈÍÇÊÓÉÈÈÊÛÆ×Ð ìÛÌ×ÊÏÛÙÔÓÎ×ÙÐÍÈÔÓÎÕÉÇÙÔÛÉÖÍÊÏÓÎÕÖÛÚÊÓÙÉÛÎØØÊÃ×ÊÖ×ÐÈÉ ÌÇÊÙÔÛÉ×ØÚÃÛÌÛÌ×ÊÏÛÎÇÖÛÙÈÇÊ×ÊÛÎØØÓÊ×ÙÈÐÃÇÉ×ØÍÊÙÍÎÉÇÏ×ØÓÎÌÛÌ×Ê ÏÛÎÇÖÛÙÈÇÊÓÎÕ ùÍÛÐÌ×ÈÊÍÐ×ÇÏÙÍÑ×ÎÛÈÇÊÛÐÕÛÉÆÓÊÕÓÎÖÇ×ÐÍÓÐÛÎØ×Ð×ÙÈÊÓÙÓÈÃ ÌÇÊÙÔÛÉ×ØÚÃÛËÇÛÐÓÖÓ×Ø×ÎÆÓÊÍÎÏ×ÎÈÛÐÈ×ÙÔÎÍÐÍÕÃÏÛÎÇÖÛÙÈÇÊ×ÊÌÊÍØÇÙ×ÊÍÊ ÌÊÍÙ×ÉÉÍÊÛÉØ×ÖÓÎ×ØÓÎÉ×ÙÈÓÍÎ ÛÎØØÓÊ×ÙÈÐÃÇÉ×ØÍÊÙÍÎÉÇÏ×ØÓÎ ÈÔ×Õ×Î×ÊÛÈÓÍÎÍÊÌÊÍÆÓÉÓÍÎÍÖÍÎÉÓÈ×ÌÍÅ×ÊÍÊ×Î×ÊÕÃÉÍÐ×ÐÃÖÍÊ ×ÎÆÓÊÍÎÏ×ÎÈÛÐÈ×ÙÔÎÍÐÍÕÃÏÛÎÇÖÛÙÈÇÊÓÎÕÌÊÍØÇÙÓÎÕÍÊÌÊÍÙ×ÉÉÓÎÕÍÊ ×ÎÆÓÊÍÎÏ×ÎÈÛÐÌÊÍÈ×ÙÈÓÍÎèÔÓÉÌÛÊÛÕÊÛÌÔÉÔÛÐÐÛÌÌÐÃÖÍÊÈÅ×ÎÈÃÖÇÐÐ ÙÍÎÉ×ÙÇÈÓÆ×ÙÛÐ×ÎØÛÊÍÊÖÓÉÙÛÐÃ×ÛÊÉÖÊÍÏÈÔ×ØÛÈ×ÈÔ×ÖÓÊÉÈÌÛÌ×Ê ÏÛÎÇÖÛÙÈÇÊÓÎÕÏÛÙÔÓÎ×ÓÉÌÐÛÙ×ØÓÎÉ×ÊÆÓÙ×óÎÈÔ×ÙÛÉ×ÍÖÛÎ×ÎÆÓÊÍÎÏ×ÎÈÛÐ È×ÙÔÎÍÐÍÕÃÏÛÎÇÖÛÙÈÇÊ×ÊÌÊÍØÇÙ×ÊÍÊÌÊÍÙ×ÉÉÍÊÅÔÍØÍ×ÉÎÍÈÏÛÎÇÖÛÙÈÇÊ× ÌÛÌ×ÊÈÔ×ÈÓÏ×Ì×ÊÓÍØÉÔÛÐÐÚ×ÕÓÎÅÓÈÔÈÔ×ØÛÈ×ÈÔ×ÖÓÊÉÈÏÛÎÇÖÛÙÈÇÊÓÎÕ ÌÊÍÙ×ÉÉÓÎÕÍÊÌÊÍØÇÙÈÓÍÎ×ËÇÓÌÏ×ÎÈÓÉÌÐÛÙ×ØÓÎÉ×ÊÆÓÙ× ïÍÈÍÊÆ×ÔÓÙÐ×ÉÈÔÛÈÛÊ×Ê×ÏÍÆ×ØÖÊÍÏÓÎÆ×ÎÈÍÊÃÚÃÛÏÍÈÍÊÆ×ÔÓÙÐ× Ø×ÛÐ×ÊÛÉØ×ÖÓÎ×ØÓÎÉ×ÙÈÓÍÎ ÛÎØÈÔÛÈÛÊ×ÌÊÍÆÓØ×ØÈÍ ÛùÔÛÊÓÈÛÚÐ×ÍÊ×ØÇÙÛÈÓÍÎÛÐÓÎÉÈÓÈÇÈÓÍÎÉÈÔÛÈÛÊ××Ä×ÏÌÈÖÊÍÏ ÈÛÄÛÈÓÍÎÇÎØ×ÊÉ×ÙÈÓÍÎ Ù ÍÖÈÔ×ÓÎÈ×ÊÎÛÐÊ×Æ×ÎÇ×ÙÍØ× Study Session - March 13, 2013 - Page 101 of 125 ôú ÚìÇÚÐÓÙ×ØÇÙÛÈÓÍÎÛÐÓÎÉÈÓÈÇÈÓÍÎÉ ÙéÈÛÈ×ÇÎÓÆ×ÊÉÓÈÓ×ÉÍÊÛÖÖÓÐÓÛÈ×ØÍÊÕÛÎÓÂÛÈÓÍÎÉÍÖÛÉÈÛÈ× ÇÎÓÆ×ÊÉÓÈÃÓÖÎÍÌÛÊÈÍÖÈÔ×ÍÊÕÛÎÓÂÛÈÓÍÎÉÎ×È×ÛÊÎÓÎÕÉÓÎÇÊ×ÉÈÍÈÔ× Ú×Î×ÖÓÈÍÖÛÎÃÌÊÓÆÛÈ×ÉÔÛÊ×ÔÍÐØ×ÊÍÊÓÎØÓÆÓØÇÛÐ îÛÈÇÊÛÐÕÛÉÍÊÐÓËÇ×ÖÓ×ØÌ×ÈÊÍÐ×ÇÏÕÛÉÇÉ×ØÈÍÌÊÍÌ×ÐÛÏÍÈÍÊ Æ×ÔÓÙÐ× ïÛÙÔÓÎ×ÊÃ×ËÇÓÌÏ×ÎÈÈ×ÙÔÎÍÐÍÕÃÍÊÊ×ÐÛÈ×ØÉÇÌÌÐÓ×ÉÈÔÛÈÛÊ×ÍÎÐÃ ÇÉ×ÖÇÐÈÍÛÉÉÓÉÈÛÌ×ÊÉÍÎÅÔÍÓÉÌÔÃÉÓÙÛÐÐÃØÓÉÛÚÐ×ØÛÉØ×ÖÓÎ×ØÓÎÉ×ÙÈÓÍÎ ÔÛÉÛØ×Æ×ÐÍÌÏ×ÎÈÛÐØÓÉÛÚÓÐÓÈÃÛÉØ×ÖÓÎ×ØÓÎÉ×ÙÈÓÍÎ ÍÊÔÛÉÛ Ô×ÛØÓÎÒÇÊÃÛÉØ×ÖÓÎ×ØÓÎÉ×ÙÈÓÍÎ ÈÍÚ×ÏÍÊ×ÓÎØ×Ì×ÎØ×ÎÈÛÎØ ÖÇÎÙÈÓÍÎÛÐ ðÓËÇÓØÉÍÐÓØÍÊÕÛÉ×ÍÇÉÙÔ×ÏÓÙÛÐÉÇÉ×ØÓÎÏÛÎÇÖÛÙÈÇÊÓÎÕ ÌÊÍÙ×ÉÉÓÎÕÖÛÚÊÓÙÛÈÓÎÕÏÓÎÓÎÕÊ×ÖÓÎÓÎÕÏ×ÈÛÐÐÇÊÕÓÙÛÐÍÌ×ÊÛÈÓÍÎÉÊ×É×ÛÊÙÔ ÛÎØØ×Æ×ÐÍÌÏ×ÎÈÛÎØÚ×ÕÓÎÎÓÎÕÍÎòÛÎÇÛÊÃÌÊÓÎÈÓÎÕÓÖÇÉÓÎÕÍÊ ÙÍÎÉÇÏÓÎÕÈÔ×ÙÔ×ÏÓÙÛÐÉÛÐÍÎ×ÍÊÛÉÌÛÊÈÍÖÛÎÓÎÈ×ÕÊÛÈ×ØÉÃÉÈ×ÏÍÖ ÙÔ×ÏÓÙÛÐÉÓÎÆÍÐÆ×ÉØÓÊ×ÙÈÙÍÎÈÛÙÈÅÓÈÔÈÔ×ÏÛÈ×ÊÓÛÐÉÖÊÍÏÅÔÓÙÔÈÔ×ÌÊÍØÇÙÈ ÓÉÌÊÍØÇÙ×ØÖÍÊÈÔ×ÌÇÊÌÍÉ×ÍÖÙÛÇÉÓÎÕÍÊÌ×ÊÏÓÈÈÓÎÕÛÙÔ×ÏÓÙÛÐÍÊÌÔÃÉÓÙÛÐ ÙÔÛÎÕ×ÈÍÍÙÙÇÊÓÎÈÔ×ÏÛÈ×ÊÓÛÐÉÛÉÌÛÊÈÍÖÈÔ×ÌÊÍØÇÙÈÓÍÎÌÊÍÙ×ÉÉèÔÓÉ ÌÛÊÛÕÊÛÌÔØÍ×ÉÎÍÈÓÎÙÐÇØ×ÙÔ×ÏÓÙÛÐÉÈÔÛÈÛÊ×ÇÉ×ØÍÊÙÍÎÉÇÏ×ØÓÎÛÙÈÓÆÓÈÓ×É ÉÇÙÔÛÉÌÛÙÑÛÕÓÎÕÉÈÍÊÛÕ×ÍÊÈÊÛÎÉÌÍÊÈÛÈÓÍÎÚÇÈØÍ×ÉÎÍÈÛÖÖ×ÙÈÛÎÃ ×Ä×ÏÌÈÓÍÎÖÍÊÉÇÙÔÙÔ×ÏÓÙÛÐÉÈÔÛÈÓÉÍÈÔ×ÊÅÓÉ×ÌÊÍÆÓØ×ØÚÃÈÔÓÉÉ×ÙÈÓÍÎöÍÊ ÈÔ×ÌÇÊÌÍÉ×ÉÍÖÈÔÓÉÌÛÊÛÕÊÛÌÔÌÊÓÎÈÓÎÕÏ×ÛÎÉÛÙÍÏÏ×ÊÙÓÛÐÌÊÓÎÈÓÎÕ ÍÌ×ÊÛÈÓÍÎÛÎØÓÎÙÐÇØ×ÉÒÍÚÌÊÓÎÈÓÎÕ×ÎÕÊÛÆÓÎÕ×ÏÚÍÉÉÓÎÕÙÍÌÃÓÎÕÛÎØ ÚÍÍÑÚÓÎØÓÎÕ öÍÍØØÊÓÎÑÛÎØÙÍÎØÓÏ×ÎÈÌÇÊÙÔÛÉ×ØÖÍÊÙÍÎÉÇÏÌÈÓÍÎÅÓÈÔÓÎÈÔ× ÌÊ×ÏÓÉ×ÉÍÖÛÎÃÌÊÓÉÍÎÒÛÓÐÍÊÍÈÔ×ÊÓÎÉÈÓÈÇÈÓÍÎÇÎØ×ÊÈÔ×ÒÇÊÓÉØÓÙÈÓÍÎÍÖ ÈÔ×ÉÈÛÈ×Ø×ÌÛÊÈÏ×ÎÈÍÖÙÍÊÊ×ÙÈÓÍÎÉÈÔ×Ø×ÌÛÊÈÏ×ÎÈÍÖÌÇÚÐÓÙÉÛÖ×ÈÃÈÔ× Ø×ÌÛÊÈÏ×ÎÈÍÖÒÇÆ×ÎÓÐ×ÙÍÊÊ×ÙÈÓÍÎÉÍÊÛÙÍÇÎÈÃÉÔ×ÊÓÖÖ ûÏÍÈÍÊÆ×ÔÓÙÐ×ÛÎØÛÎÃÊ×ÌÛÓÊÛÎØÊ×ÌÐÛÙ×Ï×ÎÈÌÛÊÈÉÛÎØÈÛÎÕÓÚÐ× Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÚ×ÙÍÏÓÎÕÛÌÛÊÈÍÖÉÇÙÔÏÍÈÍÊÆ×ÔÓÙÐ×ÉÍÐØÈÍÛÏÍÈÍÊ ÙÛÊÊÓ×ÊÅÔÍÓÉÉÇÚÒ×ÙÈÈÍÛÖ××ÌÊ×ÉÙÊÓÚ×ØÓÎÈÓÈÐ× ÙÔÛÌÈ×ÊÛÊÈÓÙÐ× ÛÎØÅÔÍÓÉ×ÎÕÛÕ×ØÓÎÈÔ×ÚÇÉÓÎ×ÉÉÍÖÐ×ÛÉÓÎÕÍÊÊ×ÎÈÓÎÕÉÇÙÔÌÊÍÌ×ÊÈÃ èÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÅÔÓÙÔ èôûèÓÉÍÊØÓÊ×ÙÈÐÃ×ÎÈ×ÊÉÓÎÈÍ ÛÎØÚ×ÙÍÏ×ÉÛÎÓÎÕÊ×ØÓ×ÎÈÍÊÙÍÏÌÍÎ×ÎÈÌÛÊÈÍÖÙÛÊØÉÇÉ×ØÛÉÌÊ×ÉÙÊÓÌÈÓÍÎ ÌÐÛÎÓØ×ÎÈÓÖÓÙÛÈÓÍÎÙÛÊØÉ íÆ×ÊÔ×ÛØÏÛÈ×ÊÓÛÐÉÍÊÍÈÔ×ÊÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÈÔÛÈÓÉÇÉ×Ø ÓÎÌ×ÊÖÍÊÏÓÎÕÛÙÍÎÈÊÛÙÈÚ×ÈÅ××ÎÈÔ×çÎÓÈ×ØéÈÛÈ×ÉÕÍÆ×ÊÎÏ×ÎÈÛÎØÛ ÏÛÎÇÖÛÙÈÇÊ×ÊÏÍØÓÖÓ×ÊÛÉÉ×ÏÚÐ×ÊÍÊÊ×ÌÛÓÊ×ÊÓÎÙÐÇØÓÎÕÌÊÍÌ×ÊÈÃÇÉ×ØÓÎ Ì×ÊÖÍÊÏÓÎÕÛÉÇÚÙÍÎÈÊÛÙÈÅÓÈÔÛÕÍÆ×ÊÎÏ×ÎÈÙÍÎÈÊÛÙÈÍÊÅÔÍÓÉÛÏÛÎÇÖÛÙÈÇÊ×Ê ÏÍØÓÖÓ×ÊÛÉÉ×ÏÚÐ×ÊÍÊÊ×ÌÛÓÊ×ÊÈÍÅÔÓÙÔÈÓÈÐ×ÌÛÉÉ×ÉÈÍÈÔ×ÕÍÆ×ÊÎÏ×ÎÈ ÇÎØ×ÊÈÔ×È×ÊÏÉÍÖÈÔ×ÙÍÎÈÊÛÙÈÍÊÉÇÚÙÍÎÈÊÛÙÈöÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÈÔÓÉ ÌÛÊÛÕÊÛÌÔ ÛíÆ×ÊÔ×ÛØÏÛÈ×ÊÓÛÐÉÏ×ÛÎÉÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÈÔ×ÕÊÍÉÉ ÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ×Ø×ÊÓÆ×ØÖÊÍÏÅÔÓÙÔÅÍÇÐØÍÈÔ×ÊÅÓÉ×Ú× ÓÎÙÐÇØ×ØÓÎÈÔ×Ê×ÈÛÓÐÙÐÛÉÉÓÖÓÙÛÈÓÍÎÛÎØÅÔÓÙÔÛÊ×èôûèóéÇÉ×ØÍÊÙÍÎÉÇÏ×Ø Study Session - March 13, 2013 - Page 102 of 125 ôú ÓÎÈÔ×Ì×ÊÖÍÊÏÛÎÙ×ÍÖÛÙÍÎÈÊÛÙÈÈÔ×ÙÍÉÈÍÖÅÔÓÙÔÓÉÙÔÛÊÕ×ØÈÍÛÎÍÆ×ÊÔ×ÛØ ×ÄÌ×ÎÉ×ÛÙÙÍÇÎÈÛÎØÛÐÐÍÙÛÈ×ØÈÍÆÛÊÓÍÇÉÙÍÎÈÊÛÙÈÉÚÛÉ×ØÇÌÍÎíîÕ×Î×ÊÛÐÐÃ ÛÙÙ×ÌÈ×ØÛÙÙÍÇÎÈÓÎÕÌÊÓÎÙÓÌÐ×ÉÛÎØÙÍÎÉÓÉÈ×ÎÈÅÓÈÔÕÍÆ×ÊÎÏ×ÎÈÙÍÎÈÊÛÙÈ ÛÙÙÍÇÎÈÓÎÕÉÈÛÎØÛÊØÉ ÚéÇÚÙÍÎÈÊÛÙÈÏ×ÛÎÉÛÎÛÕÊ××Ï×ÎÈÚ×ÈÅ××ÎÛÙÍÎÈÊÛÙÈÍÊÛÎØÛÎÃ Ì×ÊÉÍÎÅÔÍÓÉÎÍÈÛÎ×ÏÌÐÍÃ××ÍÖÈÔ×ÙÍÎÈÊÛÙÈÍÊÖÍÊÖÇÊÎÓÉÔÓÎÕÍÖÉÇÌÌÐÓ×ÉÍÊ É×ÊÆÓÙ×ÉÈÔÛÈÓÎÅÔÍÐ×ÍÊÓÎÌÛÊÈÛÊ×Î×Ù×ÉÉÛÊÃÈÍÈÔ×Ì×ÊÖÍÊÏÛÎÙ×ÍÖÍÎ× ÍÊÏÍÊ×ÕÍÆ×ÊÎÏ×ÎÈÙÍÎÈÊÛÙÈÉÍÊÇÎØ×ÊÅÔÓÙÔÛÎÃÌÍÊÈÓÍÎÍÖÈÔ×ÙÍÎÈÊÛÙÈÍÊÉ ÍÚÐÓÕÛÈÓÍÎÇÎØ×ÊÍÎ×ÍÊÏÍÊ×ÕÍÆ×ÊÎÏ×ÎÈÙÍÎÈÊÛÙÈÉÓÉÌ×ÊÖÍÊÏ×ØÇÎØ×ÊÈÛÑ×ÎÍÊ ÛÉÉÇÏ×ØÛÎØÈÔÛÈÓÎÙÐÇØ×ÉÌÊÍÆÓÉÓÍÎÉÙÛÇÉÓÎÕÈÓÈÐ×ÈÍÍÆ×ÊÔ×ÛØÏÛÈ×ÊÓÛÐÉÍÊ ÍÈÔ×ÊÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÇÉ×ØÓÎÈÔ×Ì×ÊÖÍÊÏÛÎÙ×ÍÖÈÔ×ÉÇÚÙÍÎÈÊÛÙÈ ÈÍÌÛÉÉÈÍÈÔ×ÕÍÆ×ÊÎÏ×ÎÈÍÊÈÔÛÈÓÎÙÐÇØ×ÉÌÊÍÆÓÉÓÍÎÉÓÎÙÍÊÌÍÊÛÈÓÎÕÉÇÙÔ ÈÓÈÐ×ÌÛÉÉÓÎÕÙÐÛÇÉ×ÉÓÎÛÕÍÆ×ÊÎÏ×ÎÈÙÍÎÈÊÛÙÈÓÎÈÍÈÔ×ÉÇÚÙÍÎÈÊÛÙÈöíêèô÷ ìçêìíé÷éíöèôóééçúøóæóéóíîùíîèêûùèíêôûéóèéíêøóîûêãûîøùíïïíî ï÷ûîóîõûîøøí÷éîíèôûæ÷èô÷ï÷ûîóîõìê÷éùêóú÷øóîé÷ùèóíî èÔÊÍÇÕÔø×Ù×ÏÚ×Ê ÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÉÍÐØÌÇÊÉÇÛÎÈ ÈÍÛÌ×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÐÓËÇÓØÛÈÓÍÎÈÊÛÎÉÛÙÈÓÍÎÛÉØ×ÖÓÎ×ØÓÎÉ×ÙÈÓÍÎ öÊÍÏÛÎØÛÖÈ×Êø×Ù×ÏÚ×Ê ÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÉÍÐØ ÌÇÊÉÇÛÎÈÈÍÛÌ×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÐÓËÇÓØÛÈÓÍÎÈÊÛÎÉÛÙÈÓÍÎÛÉØ×ÖÓÎ×ØÓÎ É×ÙÈÓÍÎ ÓÖÈÔ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÈÔ×ÉÛÐ×ÉÅ×Ê×ÓÎÙÐÇØ×ØÓÎÈÔ× Ï×ÛÉÇÊ×ÍÖÈÔ×ÈÛÄÓÏÌÍÉ×ØÚÃÛÊÈÓÙÐ×ÍÖÈÔÓÉÙÔÛÌÈ×ÊÍÊÓÖÈÔ×Ì×ÊÉÍÎÛÐ ÌÊÍÌ×ÊÈÃÐÓËÇÓØÛÈÓÍÎÅÛÉÛÙÛÉÇÛÐÛÙÈÓÆÓÈÃÍÊÈÊÛÎÉÛÙÈÓÍÎ åÓÊ×Ð×ÉÉÈ×Ð×ÙÍÏÏÇÎÓÙÛÈÓÍÎÉ×ËÇÓÌÏ×ÎÈÈÔÛÈÓÉÔ×ÐØÖÍÊÉÛÐ×ÍÊ ÈÊÛÎÉÖ×ÊÈÍÛÙÇÉÈÍÏ×ÊÛÉÛÎÓÎØÇÙ×Ï×ÎÈÈÍ×ÎÈ×ÊÓÎÈÍÍÊÙÍÎÈÓÎÇ×ÛÙÍÎÈÊÛÙÈ ÖÍÊÈ×Ð×ÙÍÏÏÇÎÓÙÛÈÓÍÎÉÉ×ÊÆÓÙ×ÉÈÔÛÈÛÊ×ÈÛÄÛÚÐ×ÇÎØ×ÊÉ×ÙÈÓÍÎ ûÐÈ×ÊÎÛÈÓÆ×ÖÇ×ÐÛÉØ×ÖÓÎ×ØÓÎÉ×ÙÈÓÍÎ ÌÇÊÙÔÛÉ×ØÚÃÛÇÉ×Ø ÍÓÐÖÇ×ÐÚÇÊÎ×ÊÅÔÍÔÛÉÊ×Ù×ÓÆ×ØÛÌ×ÊÏÓÈÈÍÚÇÊÎÇÉ×ØÍÓÐÍÊÇÉ×ØÍÓÐÖÇ×Ð ÇÎØ×ÊÉ×ÙÈÓÍÎ ÍÊ èÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÌÇÊÙÔÛÉ×ØÚÃÛÙÍÏÏ×ÊÙÓÛÐÛÓÊÐÓÎ×ÛÎØ ÙÍÎÉÓÉÈÓÎÕÍÖÖÍÍØÚ×Æ×ÊÛÕ×ÉÛÎØÙÍÎØÓÏ×ÎÈÉÛÎØÛÙÙ×ÉÉÍÊÓ×ÉÇÉ×ØÖÍÊÉ×ÊÆÓÎÕ ÈÔ×ÖÍÍØÛÎØÚ×Æ×ÊÛÕ×ÉÓÖÈÔÍÉ×ÓÈ×ÏÉÛÊ×ÈÍÚ×ÌÊÍÆÓØ×ØÅÓÈÔÍÇÈÛØØÓÈÓÍÎÛÐ ÙÔÛÊÕ×ÈÍÌÛÉÉ×ÎÕ×ÊÉÖÍÊÙÍÎÉÇÏÌÈÓÍÎÓÎÖÐÓÕÔÈöÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÈÔÓÉ ÌÛÊÛÕÊÛÌÔÙÍÏÏ×ÊÙÓÛÐÛÓÊÐÓÎ×Ï×ÛÎÉÛÌ×ÊÉÍÎÔÍÐØÓÎÕÛÖ×Ø×ÊÛÐÙ×ÊÈÓÖÓÙÛÈ× ÍÖÌÇÚÐÓÙÙÍÎÆ×ÎÓ×ÎÙ×ÛÎØÎ×Ù×ÉÉÓÈÃÍÊÖÍÊ×ÓÕÎÛÓÊÙÛÊÊÓ×ÊÌ×ÊÏÓÈÖÍÊÛÓÊ ÈÊÛÎÉÌÍÊÈÛÈÓÍÎÈÍÈÊÛÎÉÌÍÊÈÌ×ÊÉÍÎÉÌÊÍÌ×ÊÈÃÍÊçÎÓÈ×ØéÈÛÈ×ÉÏÛÓÐÓÎ ÓÎÈÊÛÉÈÛÈ×ÓÎÈ×ÊÉÈÛÈ×ÍÊÖÍÊ×ÓÕÎÙÍÏÏ×ÊÙ× ûÐÈ×ÊÎÛÈÓÆ×ÖÇ×ÐÆ×ÔÓÙÐ×ÉÓÖÈÔ×Æ×ÔÓÙÐ×ÅÛÉÏÛÎÇÖÛÙÈÇÊ×ØÛÉÛ ØÓ×É×ÐÖÇ×ÐÆ×ÔÓÙÐ×ÛÎØÙÍÎÆ×ÊÈ×ØÈÍÍÌ×ÊÛÈ×ÍÎÛÐÈ×ÊÎÛÈÓÆ×ÖÇ×ÐÛÎØ ×ËÇÓÌÏ×ÎÈÈÔÛÈÓÉÓÎÉÈÛÐÐ×ØÓÎÛÙÍÎÆ×ÎÈÓÍÎÛÐØÓ×É×ÐÖÇ×ÐÏÍÈÍÊÆ×ÔÓÙÐ×ÈÍ ÙÍÎÆ×ÊÈÈÔ×Æ×ÔÓÙÐ×ÈÍÍÌ×ÊÛÈ×ÍÎÛÎÛÐÈ×ÊÎÛÈÓÆ×ÖÇ×ÐÛÉØ×ÖÓÎ×ØÓÎÉ×ÙÈÓÍÎ õÛÉØÓÆ×ÊÈ×ØÖÊÍÏÛÌÓÌ×ÐÓÎ×ÚÃÛÌ×ÊÉÍÎ×ÎÕÛÕ×ØÓÎÈÔ×ÚÇÉÓÎ×ÉÉ ÍÖ Study Session - March 13, 2013 - Page 103 of 125 ôú ÛíÌ×ÊÛÈÓÎÕÛÎÛÈÇÊÛÐÍÊÛÊÈÓÖÓÙÓÛÐÕÛÉÌÓÌ×ÐÓÎ×ÛÎØÇÉ×ØÍÊ ÙÍÎÉÇÏ×ØÖÍÊÈÔ×ÉÍÐ×ÌÇÊÌÍÉ×ÍÖÖÇ×ÐÓÎÕÙÍÏÌÊ×ÉÉÍÊ×ËÇÓÌÏ×ÎÈÈÔÛÈ ÌÊ×ÉÉÇÊÓÂ×ÉÈÔ×ÌÓÌ×ÐÓÎ× ÚùÍÎÆ×ÊÈÓÎÕÎÛÈÇÊÛÐÕÛÉÓÎÈÍÐÓËÇ×ÖÓ×ØÎÛÈÇÊÛÐÕÛÉÛÎØÇÉ×ØÍÊ ÙÍÎÉÇÏ×ØÖÍÊÈÔ×ÉÍÐ×ÌÇÊÌÍÉ×ÍÖÖÇ×ÐÓÎÕÙÍÏÌÊ×ÉÉÍÊ×ËÇÓÌÏ×ÎÈÇÉ×ØÓÎÈÔ× ÙÍÎÆ×ÊÉÓÍÎÌÊÍÙ×ÉÉ èÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÈÔÛÈÓÉ×ÄÙÐÇØ×Ø×Ä×ÏÌÈÍÊØ×ØÇÙÈÓÚÐ× ÖÊÍÏÈÊÛÎÉÛÙÈÓÍÎÌÊÓÆÓÐ×Õ×ÈÛÄÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ èÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÌÇÊÙÔÛÉ×ØÈÍÚ×ÓÎÙÍÊÌÍÊÛÈ×ØÍÊ ÓÎÉÈÛÐÐ×ØÛÉÌÛÊÈÍÖ×ÎÆÓÊÍÎÏ×ÎÈÛÐÊ×ÉÌÍÎÉ×ÍÊÊ×Ï×ØÓÛÈÓÍÎÛÙÈÓÆÓÈÓ×ÉÇÎØ×Ê É×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎúÌÛÊÛÕÊÛÌÔ èÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÉÍÐØÚÃÛÎÍÎÌÊÍÖÓÈÍÊÕÛÎÓÂÛÈÓÍÎ ÈÔÛÈÓÉ×Ä×ÏÌÈÖÊÍÏÈÛÄÛÈÓÍÎÇÎØ×ÊÉ×ÙÈÓÍÎ ÙÍÖÈÔ×ÓÎÈ×ÊÎÛÐÊ×Æ×ÎÇ× ÙÍØ×ÓÖÈÔ×ÍÊÕÛÎÓÂÛÈÓÍÎÌÊÍØÇÙ×ÉÍÊÕÛÎÓÂ×ÉÍÊÌÊÍÏÍÈ×ÉÙÇÐÈÇÊÛÐÍÊÙÓÆÓÙ Ê×ÐÛÈ×ØÖ×ÉÈÓÆÛÐÉÍÊ×Æ×ÎÈÉÛÎØÎÍÌÛÊÈÍÖÈÔ×ÍÊÕÛÎÓÂÛÈÓÍÎÉÎ×È×ÛÊÎÓÎÕÉ ÓÎÇÊ×ÉÈÍÈÔ×Ú×Î×ÖÓÈÍÖÛÎÃÌÊÓÆÛÈ×ÉÔÛÊ×ÔÍÐØ×ÊÍÊÓÎØÓÆÓØÇÛÐ ìÊ×ÌÛÊ×ØÖÍÍØØÊÓÎÑÍÊÙÍÎØÓÏ×ÎÈØÍÎÛÈ×ØÚÃÛÊ×ÉÈÛÇÊÛÎÈÛÉ ÙÐÛÉÉÓÖÓ×ØÓÎÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎûÈÍÛÎÍÎÌÊÍÖÓÈÙÔÛÊÓÈÛÚÐ× ÍÊÕÛÎÓÂÛÈÓÍÎÈÔÛÈÔÛÉËÇÛÐÓÖÓ×ØÇÎØ×ÊÉ×ÙÈÓÍÎ Ù ÍÖÈÔ×ÓÎÈ×ÊÎÛÐ Ê×Æ×ÎÇ×ÙÍØ×ÛÎØÈÔÛÈÊ×ÕÇÐÛÊÐÃÉ×ÊÆ×ÉÏ×ÛÐÉÈÍÈÔ×Î××ØÃÛÎØÓÎØÓÕ×ÎÈÍÎÛ ÙÍÎÈÓÎÇÓÎÕÚÛÉÓÉÛÈÎÍÙÍÉÈ ûÌÌÐÓÙÛÈÓÍÎÉ×ÊÆÓÙ×ÉÈÔÛÈÛÊ×Ø×ÉÓÕÎ×ØÈÍÛÉÉ×ÉÉÍÊÈ×ÉÈ ÉÈÇØ×ÎÈÐ×ÛÊÎÓÎÕÍÊÈÍÌÊÍÏÍÈ×ÙÇÊÊÓÙÇÐÇÏØ×ÉÓÕÎÍÊ×ÎÔÛÎÙ×Ï×ÎÈÌÇÊÙÔÛÉ×ØÚÃ ÍÊÖÍÊÛÎÃÉÙÔÍÍÐØÓÉÈÊÓÙÈÙÔÛÊÈ×ÊÉÙÔÍÍÐÙÍÏÏÇÎÓÈÃÙÍÐÐ×Õ×ÍÊÉÈÛÈ× ÇÎÓÆ×ÊÉÓÈÃöÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÈÔÓÉÌÛÊÛÕÊÛÌÔ ÛûÌÌÐÓÙÛÈÓÍÎÉ×ÊÆÓÙ×ÉÏ×ÛÎÉÉÍÖÈÅÛÊ×ÛÌÌÐÓÙÛÈÓÍÎÉÌÊÍÆÓØ×Ø Ê×ÏÍÈ×ÐÃÇÉÓÎÕÔÃÌ×ÊÈ×ÄÈÈÊÛÎÉÖ×ÊÌÊÍÈÍÙÍÐÍÊÛÎÍÈÔ×ÊÎ×ÈÅÍÊÑÌÊÍÈÍÙÍÐ ÚùÇÊÊÓÙÇÐÇÏØ×ÉÓÕÎÍÊ×ÎÔÛÎÙ×Ï×ÎÈÏ×ÛÎÉÌÐÛÎÎÓÎÕÓÏÌÐ×Ï×ÎÈÓÎÕÍÊ Ê×ÌÍÊÈÓÎÕÍÎÙÍÇÊÉ×ÉÍÖÉÈÇØÃÐ×ÉÉÍÎÉÛÉÉÓÕÎÏ×ÎÈÉÍÊÍÈÔ×ÊÐ×ÛÊÎÓÎÕ ÛÙÈÓÆÓÈÓ×É ïÍÈÍÊÆ×ÔÓÙÐ×ÖÇ×ÐÛÎØÇÉ×ÖÇ×ÐÈÍÛËÇÛÐÓÖÓ×ØÚÇÉÓÎ×ÉÉÇÎØ×Ê É×ÙÈÓÍÎÖÍÊÍÖÖÊÍÛØÇÉ×ÓÎÔÛÊÆ×ÉÈÓÎÕÌÊÍÙ×ÉÉÓÎÕÍÊÈÊÛÎÉÌÍÊÈÓÎÕ ËÇÛÐÓÖÃÓÎÕÖÍÊ×ÉÈÌÊÍØÇÙÈÉÊ×ÏÍÆ×ØÖÊÍÏËÇÛÐÓÖÃÓÎÕÌÊÍÒ×ÙÈÉÛÉØ×ÖÓÎ×ØÓÎ É×ÙÈÓÍÎ ê×ÌÛÓÊÌÛÊÈÉÓÎÉÈÛÐÐ×ØÓÎ×ËÇÓÌÏ×ÎÈÇÉ×ØØÓÊ×ÙÈÐÃÚÃÛ ËÇÛÐÓÖÓ×ØÚÇÉÓÎ×ÉÉÇÎØ×ÊÉ×ÙÈÓÍÎÓÎÔÛÊÆ×ÉÈÓÎÕÌÊÍÙ×ÉÉÓÎÕÍÊ ÈÊÛÎÉÌÍÊÈÓÎÕËÇÛÐÓÖÃÓÎÕÖÍÊ×ÉÈÌÊÍØÇÙÈÉÊ×ÏÍÆ×ØÖÊÍÏËÇÛÐÓÖÃÓÎÕÌÊÍÒ×ÙÈÉÛÉ Ø×ÖÓÎ×ØÓÎÉ×ÙÈÓÍÎ ê×Î×ÅÛÚÐ××Î×ÊÕÃÙÊ×ØÓÈÉÍÊÛÎÃÍÈÔ×ÊÇÎÓÈÙÊ×ÛÈ×ØÈÍÈÊÛÙÑ ×Î×ÊÕÃØ×ÊÓÆ×ØÖÊÍÏÊ×Î×ÅÛÚÐ××Î×ÊÕÃÊ×ÉÍÇÊÙ×ÉöÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÈÔÓÉ ÌÛÊÛÕÊÛÌÔÊ×Î×ÅÛÚÐ××Î×ÊÕÃÙÊ×ØÓÈÏ×ÛÎÉÛÇÎÓÈÙÊ×ÛÈ×ØÛØÏÓÎÓÉÈÊÛÈÓÆ×ÐÃÚÃ ÈÔ×ÙÍÊÌÍÊÛÈÓÍÎÙÍÏÏÓÉÉÓÍÎÍÊÕÍÆ×ÊÎÓÎÕÚÍØÃÍÖÛÌÇÚÐÓÙÌÍÅ×Ê×ÎÈÓÈÃÈÍ ÈÊÛÙÑÑÓÐÍÅÛÈÈÔÍÇÊÉÍÖ×Ð×ÙÈÊÓÙÓÈÃØ×ÊÓÆ×ØÖÊÍÏÛÊ×Î×ÅÛÚÐ××Î×ÊÕÃÊ×ÉÍÇÊÙ× ÍÊÈÔ×ÑÓÐÍÅÛÈÈÔÍÇÊ×ËÇÓÆÛÐ×ÎÈÍÖÙÍÎÆ×ÎÈÓÍÎÛÐ×Î×ÊÕÃÊ×ÉÍÇÊÙ×ÉØÓÉÌÐÛÙ×ØÚÃ ØÓÉÈÊÓÚÇÈ×ØÊ×Î×ÅÛÚÐ××Î×ÊÕÃÊ×ÉÍÇÊÙ×É Study Session - March 13, 2013 - Page 104 of 125 ôú úóÎÛØØÓÈÓÍÎÈÍÈÔ××Ä×ÏÌÈÓÍÎÉÛÐÐÍÅ×ØÚÃÉÇÚÉ×ÙÈÓÍÎûÍÖÈÔÓÉ É×ÙÈÓÍÎÈÔ×ÖÍÐÐÍÅÓÎÕÙÛÈ×ÕÍÊÓ×ÉÍÖÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÛÊ×ÛÐÉÍ ×Ä×ÏÌÈ ïÛÙÔÓÎ×ÊÃÍÊ×ËÇÓÌÏ×ÎÈÇÉ×ØØÓÊ×ÙÈÐÃÓÎÏÛÎÇÖÛÙÈÇÊÓÎÕ ÌÊÍÙ×ÉÉÓÎÕÖÛÚÊÓÙÛÈÓÎÕÒÍÚÌÊÓÎÈÓÎÕÊ×ÖÓÎÓÎÕÍÊÏ×ÈÛÐÐÇÊÕÓÙÛÐÍÌ×ÊÛÈÓÍÎÉ èÔ×È×ÊÏÉÏÛÎÇÖÛÙÈÇÊÓÎÕÌÊÍÙ×ÉÉÓÎÕÖÛÚÊÓÙÛÈÓÎÕÒÍÚÌÊÓÎÈÓÎÕ Ê×ÖÓÎÓÎÕÛÎØÏ×ÈÛÐÐÇÊÕÓÙÛÐÛÉÇÉ×ØÓÎÈÔÓÉÌÛÊÛÕÊÛÌÔÊ×Ö×ÊÈÍÛÎØÓÎÙÐÇØ× ÈÔÍÉ×ÍÌ×ÊÛÈÓÍÎÉÙÍÏÏÍÎÐÃÇÎØ×ÊÉÈÍÍØÅÓÈÔÓÎÈÔ×ÓÊÍÊØÓÎÛÊÃÏ×ÛÎÓÎÕ ï×ÈÛÐÐÇÊÕÓÙÛÐÍÌ×ÊÛÈÓÍÎÉÓÎÙÐÇØ×ÉÐ×ÛÙÔÓÎÕÏÓÐÐÓÎÕÌÊ×ÙÓÌÓÈÛÈÓÎÕ ÉÏ×ÐÈÓÎÕÛÎØÊ×ÖÓÎÓÎÕïûîçöûùèçêóîõûîøìêíù÷ééóîõøíîíèóîùðçø÷÷îõûõóîõ óîèô÷úçéóî÷ééíöùíîèêûùèóîõ Ê×ÙÈÐÃÓÎÈÔ×ÌÊÍÙ×ÉÉÍÖ×ÄÈÊÛÙÈÓÎÕ ÍÊ×ÉÍÊÏÓÎ×ÊÛÐÉÖÊÍÏÈÔ××ÛÊÈÔÖÍÊÙÍÏÏ×ÊÙÓÛÐÌÇÊÌÍÉ×ÉÓÎÙÐÇØÓÎÕ×ËÇÓÌÏ×ÎÈ Ê×ËÇÓÊ×ØÈÍÌÊ×ÌÛÊ×ÈÔ×ÏÛÈ×ÊÓÛÐÉÖÍÊ×ÄÈÊÛÙÈÓÍÎÛÎØÔÛÎØÐÓÎÕÐÍÛØÓÎÕÍÊ ÈÊÛÎÉÌÍÊÈÓÎÕÉÇÙÔ×ÄÈÊÛÙÈ×ØÏÛÈ×ÊÓÛÐÈÍÈÔ×ÉÇÊÖÛÙ×ïÓÎÓÎÕÓÎÙÐÇØ×É ÇÎØ×ÊÕÊÍÇÎØÉÇÊÖÛÙ×ÛÎØÍÌ×ÎÌÓÈÍÌ×ÊÛÈÓÍÎÉÖÍÊ×ÄÈÊÛÙÈÓÎÕÍÊ×ÉÛÎØ ÏÓÎ×ÊÛÐÉ èÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÉÍÐØÈÍÌ×ÊÉÍÎÉ×ÎÕÛÕ×ØÓÎÚÇÉÓÎ×ÉÉ ÙÐÛÉÉÓÖÓ×ØÇÎØ×ÊÈÔ×È×Ð×ÙÍÏÏÇÎÓÙÛÈÓÍÎÉÙÐÛÉÉÓÖÓÙÛÈÓÍÎÇÎØ×ÊÉ×ÙÈÓÍÎ ÛÎØÙÍÎÉÓÉÈÓÎÕÍÖÙ×ÎÈÊÛÐÍÖÖÓÙ×ÉÅÓÈÙÔÓÎÕ×ËÇÓÌÏ×ÎÈÉÅÓÈÙÔÚÍÛÊØÉÌÊÓÆÛÈ× ÚÊÛÎÙÔ×ÄÙÔÛÎÕ××ËÇÓÌÏ×ÎÈÏÓÙÊÍÅÛÆ×ÊÛØÓÍ×ËÇÓÌÏ×ÎÈÛÎØÙÛÊÊÓ×Ê×ËÇÓÌÏ×ÎÈ ÓÎÙÐÇØÓÎÕÍÌÈÓÙÛÐÖÓÚ×ÊÙÍÛÄÓÛÐÙÛÚÐ×ÛÎØÍÈÔ×ÊÈÊÛÎÉÏÓÉÉÓÍÎÏ×ØÓÛÅÔÓÙÔ èôûèÛÊ×ÙÍÏÌÍÎ×ÎÈÉÍÖÙÛÊÊÓ×ÊÉÃÉÈ×ÏÉ ïÛÙÔÓÎ×ÊÃ×ËÇÓÌÏ×ÎÈÍÊÈÊÛÎÉÏÓÉÉÓÍÎÐÓÎ×ÉÇÉ×ØØÓÊ×ÙÈÐÃÓÎ ÌÊÍØÇÙÓÎÕÍÊÈÊÛÎÉÏÓÈÈÓÎÕ×Ð×ÙÈÊÓÙÛÐÌÍÅ×ÊÚÇÈÎÍÈÓÎÙÐÇØÓÎÕØÓÉÈÊÓÚÇÈÓÍÎ èÊÛÎÉÖÍÊÏ×ÊÉÛÎØÙÍÎÈÊÍÐ×ËÇÓÌÏ×ÎÈÇÉ×ØÛÈÈÊÛÎÉÏÓÉÉÓÍÎÉÇÚÉÈÛÈÓÍÎÉÓÈ×É ÙÍÎÉÈÓÈÇÈ××ËÇÓÌÏ×ÎÈÇÉ×ØÓÎÌÊÍØÇÙÓÎÕÍÊÈÊÛÎÉÏÓÈÈÓÎÕ×Ð×ÙÈÊÓÙÛÐÌÍÅ×Ê î×ÛÈÛÎÓÏÛÐÉÔÍÊÉ×ÉÛÉÉ×ÉÉÔ××ÌÊÛÈÓÈ×ÉÉÅÓÎ×ÍÊÕÍÛÈÉÇÉ×ØÍÊ ÈÍÚ×ÇÉ×ØÛÉÚÊ××ØÓÎÕÍÊÌÊÍØÇÙÈÓÍÎÉÈÍÙÑÓÎÙÐÇØÓÎÕÉÛÐ×ÉÍÖÚÊ××ØÓÎÕÉÍÊ ÍÅÎ×ÊÉÔÓÌÉÔÛÊ×ÉÓÎÉÇÙÔÛÎÓÏÛÐÉÇÉ×ØÖÍÊÚÊ××ØÓÎÕÍÊÌÊÍØÇÙÈÓÍÎ ìÓÌ×ÉÍÊÆÛÐÆ×ÉÖÍÇÊÓÎÙÔ×ÉÓÎØÓÛÏ×È×ÊÍÊÐÛÊÕ×ÊÇÉ×ØÈÍÈÊÛÎÉÌÍÊÈ ÍÓÐÎÛÈÇÊÛÐÕÛÉÛÊÈÓÖÓÙÓÛÐÕÛÉÅÛÈ×ÊÍÊÙÍÛÐÉÐÇÊÊÃÓÎÙÐÇØÓÎÕÙÍÏÌÊ×ÉÉÍÊ ÇÎÓÈÉÊ×ÕÇÐÛÈÍÊÉÏÛÙÔÓÎ×ÊÃÛÎØ×ËÇÓÌÏ×ÎÈÖÓÈÈÓÎÕÉÉ×ÛÐÉÛÎØÛÎÃÍÈÔ×Ê ÌÛÊÈÈÔÛÈÓÉÇÉ×ØÓÎÍÌ×ÊÛÈÓÎÕÈÔ×ÌÓÌ×ÉÍÊÆÛÐÆ×É ûÓÊÙÊÛÖÈÎÛÆÓÕÛÈÓÍÎÛÐÛÎØÙÍÏÏÇÎÓÙÛÈÓÍÎÓÎÉÈÊÇÏ×ÎÈÉÛÎØÍÈÔ×Ê ÛÙÙ×ÉÉÍÊÓ×ÉÛÎØÊ×ÐÛÈ×Ø×ËÇÓÌÏ×ÎÈÉÍÐØÈÍ ÛûÌ×ÊÉÍÎÔÍÐØÓÎÕÛÖ×Ø×ÊÛÐÙ×ÊÈÓÖÓÙÛÈ×ÍÖÌÇÚÐÓÙÙÍÎÆ×ÎÓ×ÎÙ×ÛÎØ Î×Ù×ÉÉÓÈÃÛÉÇÌÌÐ×Ï×ÎÈÛÐÛÓÊÙÛÊÊÓ×ÊÙ×ÊÈÓÖÓÙÛÈ×ÇÎØ×ÊÖ×Ø×ÊÛÐÛÆÓÛÈÓÍÎ Ê×ÕÇÐÛÈÓÍÎÉùÍØ×ÍÖö×Ø×ÊÛÐê×ÕÇÐÛÈÓÍÎÉÌÛÊÈ ÍÊÛÖÍÊ×ÓÕÎÛÓÊ ÙÛÊÊÓ×ÊÌ×ÊÏÓÈÖÍÊÛÓÊÈÊÛÎÉÌÍÊÈÛÈÓÍÎÖÍÊÇÉ×ÛÉÍÊÓÎÙÍÎÒÇÎÙÈÓÍÎÅÓÈÔÍÊ Ú×ÙÍÏÓÎÕÛÌÛÊÈÍÖÛÓÊÙÊÛÖÈÈÍÚ×ÇÉ×ØÈÍÈÊÛÎÉÌÍÊÈÌ×ÊÉÍÎÉÌÊÍÌ×ÊÈÃÍÊ çÎÓÈ×ØéÈÛÈ×ÉÏÛÓÐÓÎÓÎÈÊÛÉÈÛÈ×ÓÎÈ×ÊÉÈÛÈ×ÍÊÖÍÊ×ÓÕÎÙÍÏÏ×ÊÙ× ÚûÎÃÖÍÊ×ÓÕÎÕÍÆ×ÊÎÏ×ÎÈÍÊÉÍÐØÈÍÌ×ÊÉÍÎÉÅÔÍÛÊ×ÎÍÈÊ×ÉÓØ×ÎÈÉ ÍÖÈÔÓÉÉÈÛÈ×ÛÎØÅÔÍÅÓÐÐÎÍÈÇÉ×ÉÇÙÔÌÊÍÌ×ÊÈÃÓÎÈÔÓÉÉÈÛÈ×ÍÈÔ×ÊÈÔÛÎÓÎ Ê×ÏÍÆÓÎÕÉÇÙÔÌÊÍÌ×ÊÈÃÖÊÍÏÈÔÓÉÉÈÛÈ× Study Session - March 13, 2013 - Page 105 of 125 ôú ïÛÙÔÓÎ×ÊÃÈÍÍÐÉ×ËÇÓÌÏ×ÎÈÛÎØÊ×ÐÛÈ×ØÉÇÌÌÐÓ×ÉÇÉ×ØÍÊÙÍÎÉÇÏ×Ø ØÓÊ×ÙÈÐÃÓÎÊ×ÌÛÓÊÓÎÕÊ×ÏÍØ×ÐÓÎÕÍÊÏÛÓÎÈÛÓÎÓÎÕÛÓÊÙÊÛÖÈÛÓÊÙÊÛÖÈ×ÎÕÓÎ×É ÍÊÛÓÊÙÊÛÖÈÙÍÏÌÍÎ×ÎÈÌÛÊÈÉÚÃÍÊÍÎÚ×ÔÛÐÖÍÖÛÙ×ÊÈÓÖÓÙÛÈ×ØÍÊÐÓÙ×ÎÉ×Ø ÙÛÊÊÓ×ÊÍÖÌ×ÊÉÍÎÉÍÊÌÊÍÌ×ÊÈÃ êÍÐÐÓÎÕÉÈÍÙÑÊÛÓÐÉÈÓ×ÉÛÎØÉÓÕÎÛÐÙÍÎÈÊÍÐ×ËÇÓÌÏ×ÎÈÇÉ×Ø ØÓÊ×ÙÈÐÃÈÍÈÊÛÎÉÌÍÊÈÌ×ÊÉÍÎÉÍÊÌÊÍÌ×ÊÈÃ ïÛÙÔÓÎ×ÊÃÍÊ×ËÇÓÌÏ×ÎÈÇÉ×ØØÓÊ×ÙÈÐÃÈÍØÊÓÐÐÖÍÊÍÓÐÍÊÕÛÉÍÊ ÇÉ×ØØÓÊ×ÙÈÐÃÓÎÈÔ×ÌÊÍÙ×ÉÉÍÖ×ÄÈÊÛÙÈÓÎÕÍÓÐÍÊÕÛÉÖÊÍÏÈÔ××ÛÊÈÔÖÍÊ ÙÍÏÏ×ÊÙÓÛÐÌÇÊÌÍÉ×É úÇÉ×ÉÍÊÍÈÔ×ÊÇÊÚÛÎÏÛÉÉÈÊÛÎÉÓÈÆ×ÔÓÙÐ×ÉÅÔÓÙÔèôûèÛÊ×ÇÉ×Ø ØÓÊ×ÙÈÐÃÈÍÈÊÛÎÉÌÍÊÈÌ×ÊÉÍÎÉÍÊÌÊÍÌ×ÊÈÃÖÍÊÔÓÊ×ÍÊÌÇÊÉÇÛÎÈÈÍÛ ÕÍÆ×ÊÎÏ×ÎÈÛÐÐÃÛØÍÌÈ×ØÛÎØÙÍÎÈÊÍÐÐ×ØÇÊÚÛÎÏÛÉÉÈÊÛÎÉÌÍÊÈÛÈÓÍÎÌÊÍÕÊÛÏÛÎØ ÅÔÓÙÔèôûèÛÊ×ÉÍÐØÈÍÚÇÉÙÍÏÌÛÎÓ×ÉÔÍÐØÓÎÕÛÖ×Ø×ÊÛÐÙ×ÊÈÓÖÓÙÛÈ×ÍÖ ÙÍÎÆ×ÎÓ×ÎÙ×ÛÎØÎ×Ù×ÉÉÓÈÃÍÊÍÌ×ÊÛÈ×ØÚÃÛÎÃÙÓÈÃÈÍÅÎÍÊÍÈÔ×ÊÕÍÆ×ÊÎÏ×ÎÈÛÐ ×ÎÈÓÈÃÍÊÚÃÛÎÃÌ×ÊÉÍÎÙÍÎÈÊÛÙÈÓÎÕÅÓÈÔÉÇÙÔÕÍÆ×ÊÎÏ×ÎÈÛÐ×ÎÈÓÈÃÛÉÌÛÊÈÍÖ ÛÕÍÆ×ÊÎÏ×ÎÈÛÐÐÃÛØÍÌÈ×ØÛÎØÙÍÎÈÊÍÐÐ×ØÌÊÍÕÊÛÏÈÍÌÊÍÆÓØ×ÇÊÚÛÎÏÛÉÉ ÈÊÛÎÉÌÍÊÈÛÈÓÍÎ õÊÍÇÎØÅÛÈ×ÊÏ×ÛÉÇÊÓÎÕØ×ÆÓÙ×ÉÊ×ËÇÓÊ×ØÇÎØ×ÊÉ×ÙÈÓÍÎ î×ÅÏÛÙÔÓÎ×ÊÃÛÎØ×ËÇÓÌÏ×ÎÈÙÍÎÉÓÉÈÓÎÕÍÖÈÊÛÙÈÍÊÉÈÊÛÙÈÍÊØÊÛÅÎ ÓÏÌÐ×Ï×ÎÈÉÉ×ÐÖÌÍÅ×Ê×ØÓÏÌÐ×Ï×ÎÈÉÏÛÙÔÓÎ×ÊÃÛÎØ×ËÇÓÌÏ×ÎÈÎ×Ù×ÉÉÛÊÃÖÍÊ ×ÄÈÊÛÙÈÓÎÕÏÓÐÑÛÎØÏÛÙÔÓÎ×ÊÃÛÎØ×ËÇÓÌÏ×ÎÈÎ×Ù×ÉÉÛÊÃÖÍÊÙÍÍÐÓÎÕÏÓÐÑÛÎØ ÐÓÆ×ÉÈÍÙÑÛÎØØÊÓÌÓÊÊÓÕÛÈÓÍÎÐÓÎ×ÉÎÍÈÛÐÊ×ÛØÃ×Ä×ÏÌÈÇÎØ×ÊÌÛÊÛÕÊÛÌÔÍÖ ÈÔÓÉÉÇÚÉ×ÙÈÓÍÎÛÎØÈÔÛÈÛÊ×ÇÉ×ØÖÍÊÙÍÏÏ×ÊÙÓÛÐÌÊÍØÇÙÈÓÍÎÍÖÛÕÊÓÙÇÐÈÇÊÛÐ ÔÍÊÈÓÙÇÐÈÇÊÛÐÆÓÈÓÙÇÐÈÇÊÛÐÛÎØÖÐÍÊÓÙÇÐÈÇÊÛÐÙÊÍÌÉÛÎØÌÊÍØÇÙÈÉÓÎÈÔÓÉ ÉÈÛÈ×öÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÈÔÓÉÌÛÊÛÕÊÛÌÔ Ûî×ÅÏÛÙÔÓÎ×ÊÃÛÎØ×ËÇÓÌÏ×ÎÈÏ×ÛÎÉÏÛÙÔÓÎ×ÊÃÍÊ×ËÇÓÌÏ×ÎÈÅÔÓÙÔ èôûèÔÛÉÎ×Æ×ÊÚ××ÎÉÍÐØÛÈÊ×ÈÛÓÐ×ÄÙ×ÌÈÌÇÊÉÇÛÎÈÈÍÐ×ÛÉ×ÉÍÊÊ×ÎÈÛÐÉÅÔÓÙÔ èôûèØÍÎÍÈÈÍÈÛÐÈÅÍÃ×ÛÊÉÍÊÏÍÊ× Úé×ÐÖÌÍÅ×Ê×ØÓÏÌÐ×Ï×ÎÈÉÓÎÙÐÇØ×ÉÏÛÙÔÓÎ×ÊÃÛÎØ×ËÇÓÌÏ×ÎÈÈÔÛÈ ÛÊ××Ð×ÙÈÊÓÙÌÍÅ×Ê×Ø ïÛÙÔÓÎ×ÊÃÍÊ×ËÇÓÌÏ×ÎÈÇÉ×ØÓÎÊ×É×ÛÊÙÔÛÎØØ×Æ×ÐÍÌÏ×ÎÈöÍÊÈÔ× ÌÇÊÌÍÉ×ÉÍÖÈÔÓÉÌÛÊÛÕÊÛÌÔÊ×É×ÛÊÙÔÛÎØØ×Æ×ÐÍÌÏ×ÎÈÏ×ÛÎÉÚÛÉÓÙÛÎØ ÛÌÌÐÓ×ØÊ×É×ÛÊÙÔÓÎÈÔ×ÉÙÓ×ÎÙ×ÉÛÎØ×ÎÕÓÎ××ÊÓÎÕÛÎØØ×ÉÓÕÎÓÎÕØ×Æ×ÐÍÌÓÎÕ ÍÊÈ×ÉÈÓÎÕÌÊÍÈÍÈÃÌ×ÉÌÊÍÙ×ÉÉ×ÉÍÊÎ×ÅÌÊÍØÇÙÈÉÓÎÙÐÇØÓÎÕÊ×É×ÛÊÙÔÛÎØ Ø×Æ×ÐÍÌÏ×ÎÈÍÖÙÍÏÌÇÈ×ÊÉÍÖÈÅÛÊ×ÈÔÛÈÓÉ×ÏÚ×ØØ×ØÓÎÍÊÛÎÓÎÈ×ÕÊÛÐÌÛÊÈÍÖ ÈÔ×ÌÊÍÈÍÈÃÌ×ÍÊÎ×ÅÌÊÍØÇÙÈÍÊÈÔÛÈÓÉÊ×ËÇÓÊ×ØÖÍÊÏÛÙÔÓÎ×ÊÃÍÊ×ËÇÓÌÏ×ÎÈ ÍÈÔ×ÊÅÓÉ××Ä×ÏÌÈÇÎØ×ÊÈÔÓÉÉ×ÙÈÓÍÎÈÍÖÇÎÙÈÓÍÎ×ÖÖ×ÙÈÓÆ×ÐÃê×É×ÛÊÙÔÛÎØ Ø×Æ×ÐÍÌÏ×ÎÈØÍÎÍÈÓÎÙÐÇØ×ÏÛÎÇÖÛÙÈÇÊÓÎÕËÇÛÐÓÈÃÙÍÎÈÊÍÐÊÍÇÈÓÎ×ÙÍÎÉÇÏ×Ê ÌÊÍØÇÙÈÈ×ÉÈÓÎÕÏÛÊÑ×ÈÊ×É×ÛÊÙÔÉÛÐ×ÉÌÊÍÏÍÈÓÍÎÉÛÐ×ÉÉ×ÊÆÓÙ×Ê×É×ÛÊÙÔÓÎ ÉÍÙÓÛÐÉÙÓ×ÎÙ×ÉÍÊÌÉÃÙÔÍÐÍÕÃÙÍÏÌÇÈ×ÊÉÍÖÈÅÛÊ×Ê×É×ÛÊÙÔÈÔÛÈÓÉÎÍÈ ÓÎÙÐÇØ×ØÓÎÈÔ×Ø×ÖÓÎÓÈÓÍÎÍÖÊ×É×ÛÊÙÔÛÎØØ×Æ×ÐÍÌÏ×ÎÈÍÊÍÈÔ×Ê ÎÍÎÈ×ÙÔÎÍÐÍÕÓÙÛÐÛÙÈÓÆÓÈÓ×ÉÍÊÈ×ÙÔÎÓÙÛÐÉ×ÊÆÓÙ×É èÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÈÔÛÈÓÉÇÉ×ØÚÃ×ÓÈÔ×ÊÍÖÈÔ×ÖÍÐÐÍÅÓÎÕ ÈÍÊ×Ù×ÓÆ×ÉÈÍÊ×ÙÍÎÆ×ÊÈÌÊÍØÇÙ×Õ×Î×ÊÛÈ×Ø×ÙÍØ××ÎÙÍØ×ÙÍÎÈÊÍÐÍÊ ÈÊÛÎÉÏÓÈÈ×Ð×ÙÍÏÏÇÎÓÙÛÈÓÍÎÉÓÎÖÍÊÏÛÈÓÍÎ Study Session - March 13, 2013 - Page 106 of 125 ôú ÛûÎÃØÓÊ×ÙÈÚÊÍÛØÙÛÉÈÉÛÈ×ÐÐÓÈ×È×Ð×ÆÓÉÓÍÎÍÊØÛÈÛÈÊÛÎÉÏÓÉÉÓÍÎ É×ÊÆÓÙ×ÈÔÛÈÍÌ×ÊÛÈ×ÉÌÇÊÉÇÛÎÈÈÍùÍØ×ÍÖö×Ø×ÊÛÐê×ÕÇÐÛÈÓÍÎÉÌÛÊÈ ÚûÎÃÉÛÈ×ÐÐÓÈ×È×Ð×ÆÓÉÓÍÎÍÊØÛÈÛÈÊÛÎÉÏÓÉÉÓÍÎÖÛÙÓÐÓÈÃÓÖÚÍÈÔÍÖ ÈÔ×ÖÍÐÐÍÅÓÎÕÙÍÎØÓÈÓÍÎÉÛÊ×Ï×È ÓíÆ×ÊÈÅÍÈÔÓÊØÉÍÖÈÔ×ÈÊÛÎÉÏÓÉÉÓÍÎÉÏ×ÛÉÇÊ×ØÓÎÏ×ÕÛÚÃÈ×É ÈÊÛÎÉÏÓÈÈ×ØÚÃÈÔ×ÖÛÙÓÐÓÈÃØÇÊÓÎÕÈÔ×È×ÉÈÌ×ÊÓÍØÅ×Ê×ÈÊÛÎÉÏÓÈÈ×ØÈÍÍÊÍÎ Ú×ÔÛÐÖÍÖÍÎ×ÍÊÏÍÊ×ØÓÊ×ÙÈÚÊÍÛØÙÛÉÈÉÛÈ×ÐÐÓÈ×È×Ð×ÆÓÉÓÍÎÍÊØÛÈÛ ÈÊÛÎÉÏÓÉÉÓÍÎÉ×ÊÆÓÙ×ÉÈÔÛÈÍÌ×ÊÛÈ×ÌÇÊÉÇÛÎÈÈÍùÍØ×ÍÖö×Ø×ÊÛÐê×ÕÇÐÛÈÓÍÎÉ ÌÛÊÈ ÓÓíÆ×ÊÈÅÍÈÔÓÊØÉÍÖÈÔ×ÈÊÛÎÉÏÓÉÉÓÍÎÉÏ×ÛÉÇÊ×ØÓÎÏ×ÕÛÚÃÈ×É ÈÊÛÎÉÏÓÈÈ×ØÚÃÍÊÍÎÚ×ÔÛÐÖÍÖÈÔÍÉ×ØÓÊ×ÙÈÚÊÍÛØÙÛÉÈÈ×Ð×ÆÓÉÓÍÎÍÊØÛÈÛ ÈÊÛÎÉÏÓÉÉÓÍÎÉ×ÊÆÓÙ×ÉØÇÊÓÎÕÈÔ×È×ÉÈÌ×ÊÓÍØÅ×Ê×ÈÊÛÎÉÏÓÈÈ×ØÚÃÈÔ×ÖÛÙÓÐÓÈÃ ÈÍÍÊÍÎÚ×ÔÛÐÖÍÖÈÔÍÉ×É×ÊÆÓÙ×É öÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÉÇÚØÓÆÓÉÓÍÎÚÍÖÈÔÓÉÌÛÊÛÕÊÛÌÔÈ×ÉÈÌ×ÊÓÍØÏ×ÛÎÉ ÈÔ×ÈÔÊ××ÔÇÎØÊ×ØÉÓÄÈÃÖÓÆ×ØÛÃÌ×ÊÓÍØÚ×ÕÓÎÎÓÎÕÍÎÈÔ×ÐÛÈ×ÊÍÖÈÔ×ØÛÈ×ÍÎ ÅÔÓÙÔÈÔ×ÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÓÉÌÇÊÙÔÛÉ×ØÍÊÈÔ×ØÛÈ×ÍÎÅÔÓÙÔÈÔ× ØÓÊ×ÙÈÚÊÍÛØÙÛÉÈÉÛÈ×ÐÐÓÈ×È×Ð×ÆÓÉÓÍÎÍÊØÛÈÛÈÊÛÎÉÏÓÉÉÓÍÎÉ×ÊÆÓÙ×ÖÓÊÉÈ ÈÊÛÎÉÏÓÈÉÓÎÖÍÊÏÛÈÓÍÎÈÍÓÈÉÙÇÉÈÍÏ×ÊÉ ùÐ×ÛÎÊÍÍÏÉÈÔÛÈÛÊ×ÇÉ×ØÖÍÊÏÛÎÇÖÛÙÈÇÊÓÎÕÌÊÍÙ×ÉÉÓÎÕ ÖÛÚÊÓÙÛÈÓÍÎÍÊÊ×É×ÛÊÙÔÛÎØØ×Æ×ÐÍÌÏ×ÎÈÛÉØ×ÖÓÎ×ØÓÎÌÛÊÛÕÊÛÌÔÍÖÈÔÓÉ ÉÇÚÉ×ÙÈÓÍÎÍÖÉ×ÏÓÙÍÎØÇÙÈÍÊÌÊÍØÇÙÈÉöÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÈÔÓÉÌÛÊÛÕÊÛÌÔ ÙÐ×ÛÎÊÍÍÏÏ×ÛÎÉÛÐÐÌÊÍÌ×ÊÈÃÈÔÛÈÙÍÏÌÊÓÉ×ÉÍÊÙÊ×ÛÈ×ÉÛÎ×ÎÆÓÊÍÎÏ×ÎÈ ÅÔ×Ê×ÔÇÏÓØÓÈÃÈ×ÏÌ×ÊÛÈÇÊ×ÌÛÊÈÓÙÇÐÛÈ×ÏÛÈÈ×ÊÛÎØÙÍÎÈÛÏÓÎÛÈÓÍÎÛÊ× ÌÊ×ÙÓÉ×ÐÃÙÍÎÈÊÍÐÐ×ØÅÓÈÔÓÎÉÌ×ÙÓÖÓ×ØÌÛÊÛÏ×È×ÊÉÅÓÈÔÍÇÈÊ×ÕÛÊØÈÍÅÔ×ÈÔ×Ê ÈÔ×ÌÊÍÌ×ÊÈÃÓÉÛÙÈÇÛÐÐÃÙÍÎÈÛÓÎ×ØÅÓÈÔÓÎÈÔÛÈ×ÎÆÓÊÍÎÏ×ÎÈÍÊÅÔ×ÈÔ×ÊÛÎÃÍÖ ÈÔ×ÌÊÍÌ×ÊÈÃÓÉÛÖÖÓÄ×ØÈÍÍÊÓÎÙÍÊÌÍÊÛÈ×ØÓÎÈÍÊ×ÛÐÌÊÍÌ×ÊÈÃùÐ×ÛÎÊÍÍÏ ÛóÎÙÐÇØ×ÉÈÔ×ÓÎÈ×ÕÊÛÈ×ØÉÃÉÈ×ÏÉÖÓÄÈÇÊ×ÉÌÓÌÓÎÕÏÍÆÛÚÐ× ÌÛÊÈÓÈÓÍÎÉÐÓÕÔÈÓÎÕÛÎØÛÐÐÌÊÍÌ×ÊÈÃÈÔÛÈÓÉÎ×Ù×ÉÉÛÊÃÍÊÛØÛÌÈ×ØÈÍÊ×ØÇÙ× ÙÍÎÈÛÏÓÎÛÈÓÍÎÍÊÈÍÙÍÎÈÊÍÐÛÓÊÖÐÍÅÈ×ÏÌ×ÊÛÈÇÊ×ÔÇÏÓØÓÈÃÙÔ×ÏÓÙÛÐÌÇÊÓÈÃ ÍÊÍÈÔ×Ê×ÎÆÓÊÍÎÏ×ÎÈÛÐÙÍÎØÓÈÓÍÎÉÍÊÏÛÎÇÖÛÙÈÇÊÓÎÕÈÍÐ×ÊÛÎÙ×ÉÛÉÅ×ÐÐÛÉÈÔ× ÌÊÍØÇÙÈÓÍÎÏÛÙÔÓÎ×ÊÃÛÎØ×ËÇÓÌÏ×ÎÈÍÌ×ÊÛÈÓÎÕÓÎÙÍÎÒÇÎÙÈÓÍÎÅÓÈÔÈÔ×ÙÐ×ÛÎ ÊÍÍÏ×ÎÆÓÊÍÎÏ×ÎÈ ÚøÍ×ÉÎÍÈÓÎÙÐÇØ×ÈÔ×ÚÇÓÐØÓÎÕÍÊÍÈÔ×ÊÌ×ÊÏÛÎ×ÎÈÎÍÎÊ×ÏÍÆÛÚÐ× ÙÍÏÌÍÎ×ÎÈÍÖÈÔ×ÚÇÓÐØÓÎÕÈÔÛÈÔÍÇÉ×ÉÈÔ×ÙÐ×ÛÎÊÍÍÏ×ÎÆÓÊÍÎÏ×ÎÈ ïÛÙÔÓÎ×ÊÃÛÎØ×ËÇÓÌÏ×ÎÈÈÔÛÈÛÊ×ÇÉ×ØØÓÊ×ÙÈÐÃÓÎÈÔ×Ö××ØÓÎÕÍÖ ÌÍÇÐÈÊÃÈÔ××ÎÆÓÊÍÎÏ×ÎÈÛÐÙÍÎÈÊÍÐÍÖÔÍÇÉÓÎÕÖÍÊÌÍÇÐÈÊÃÈÔ×ÏÍÆ×Ï×ÎÈÍÖ ×ÕÕÉÅÓÈÔÓÎÛÌÊÍØÇÙÈÓÍÎÛÎØÌÛÙÑÛÕÓÎÕÖÛÙÓÐÓÈÃÍÊÈÔ×ÉÍÊÈÓÎÕÍÊÙÍÍÐÓÎÕÍÖ ×ÕÕÉèÔÓÉ×Ä×ÏÌÈÓÍÎØÍ×ÉÎÍÈÛÌÌÐÃÈÍÆ×ÔÓÙÐ×ÉÇÉ×ØÖÍÊÈÊÛÎÉÌÍÊÈÓÎÕ×ÕÕÉ ïÛÙÔÓÎ×ÊÃÍÊ×ËÇÓÌÏ×ÎÈÓÎÙÐÇØÓÎÕÊ×ÐÛÈ×ØÉÈÊÇÙÈÇÊÛÐÙÍÏÌÍÎ×ÎÈÉ ÈÔÛÈÓÉ×ÏÌÐÍÃ×ØÓÎÙÍÎÎ×ÙÈÓÍÎÅÓÈÔÏÛÎÇÖÛÙÈÇÊÓÎÕÌÊÍÙ×ÉÉÓÎÕÖÛÚÊÓÙÛÈÓÎÕ ÒÍÚÌÊÓÎÈÓÎÕÊ×ÖÓÎÓÎÕÏÓÎÓÎÕÎÛÈÇÊÛÐÕÛÉÌÓÌ×ÐÓÎ×ÉÏ×ÈÛÐÐÇÊÕÓÙÛÐ ÍÌ×ÊÛÈÓÍÎÉÈ×Ð×ÙÍÏÏÇÎÓÙÛÈÓÍÎÉÌÊÍØÇÙÓÎÕÍÊÈÊÛÎÉÏÓÈÈÓÎÕ×Ð×ÙÈÊÓÙÓÈÃÍÊ Ê×É×ÛÊÙÔÛÎØØ×Æ×ÐÍÌÏ×ÎÈÛÎØÈÔÛÈÓÉÇÉ×ØØÓÊ×ÙÈÐÃÈÍÏ××ÈÍÊ×ÄÙ××ØÊÇÐ×ÉÍÊ Ê×ÕÇÐÛÈÓÍÎÉÛØÍÌÈ×ØÚÃÈÔ×Ö×Ø×ÊÛÐ×Î×ÊÕÃÊ×ÕÇÐÛÈÍÊÃÙÍÏÏÓÉÉÓÍÎÈÔ×çÎÓÈ×Ø éÈÛÈ×É×ÎÆÓÊÍÎÏ×ÎÈÛÐÌÊÍÈ×ÙÈÓÍÎÛÕ×ÎÙÃÈÔ×çÎÓÈ×ØéÈÛÈ×ÉÎÇÙÐ×ÛÊÊ×ÕÇÐÛÈÍÊÃ Study Session - March 13, 2013 - Page 107 of 125 ôú ÙÍÏÏÓÉÉÓÍÎÈÔ×ûÊÓÂÍÎÛØ×ÌÛÊÈÏ×ÎÈÍÖ×ÎÆÓÊÍÎÏ×ÎÈÛÐËÇÛÐÓÈÃÍÊÛÌÍÐÓÈÓÙÛÐ ÉÇÚØÓÆÓÉÓÍÎÍÖÈÔÓÉÉÈÛÈ×ÈÍÌÊ×Æ×ÎÈÏÍÎÓÈÍÊÙÍÎÈÊÍÐÍÊÊ×ØÇÙ×ÐÛÎØÅÛÈ×Ê ÍÊÛÓÊÌÍÐÐÇÈÓÍÎ ïÛÙÔÓÎ×ÊÃÛÎØ×ËÇÓÌÏ×ÎÈÈÔÛÈÛÊ×ÇÉ×ØÓÎÈÔ×ÙÍÏÏ×ÊÙÓÛÐÌÊÍØÇÙÈÓÍÎ ÍÖÐÓÆ×ÉÈÍÙÑÐÓÆ×ÉÈÍÙÑÌÊÍØÇÙÈÉÍÊÛÕÊÓÙÇÐÈÇÊÛÐÔÍÊÈÓÙÇÐÈÇÊÛÐÆÓÈÓÙÇÐÈÇÊÛÐ ÍÊÖÐÍÊÓÙÇÐÈÇÊÛÐÙÊÍÌÉÍÊÌÊÍØÇÙÈÉÓÎÈÔÓÉÉÈÛÈ×ÛÎØÈÔÛÈÛÊ×ÇÉ×ØØÓÊ×ÙÈÐÃ ÛÎØÌÊÓÏÛÊÓÐÃÈÍÌÊ×Æ×ÎÈÏÍÎÓÈÍÊÙÍÎÈÊÍÐÍÊÊ×ØÇÙ×ÛÓÊÅÛÈ×ÊÍÊÐÛÎØ ÌÍÐÐÇÈÓÍÎ ïÛÙÔÓÎ×ÊÃÍÊ×ËÇÓÌÏ×ÎÈÈÔÛÈ×ÎÛÚÐ×ÉÛÈ×Ð×ÆÓÉÓÍÎÉÈÛÈÓÍÎÈÍ ÍÊÓÕÓÎÛÈ×ÛÎØÚÊÍÛØÙÛÉÈÍÊÈÍÊ×Ù×ÓÆ×ÛÎØÚÊÍÛØÙÛÉÈØÓÕÓÈÛÐÈ×Ð×ÆÓÉÓÍÎ ÉÓÕÎÛÐÉÛÎØÈÔÛÈÅÛÉÌÇÊÙÔÛÉ×ØÈÍÖÛÙÓÐÓÈÛÈ×ÙÍÏÌÐÓÛÎÙ×ÅÓÈÔÈÔ× È×Ð×ÙÍÏÏÇÎÓÙÛÈÓÍÎÉÛÙÈÍÖìð éÈÛÈçÎÓÈ×ØéÈÛÈ×É ùÍØ×É×ÙÈÓÍÎ ÛÎØÈÔ×Ö×Ø×ÊÛÐÙÍÏÏÇÎÓÙÛÈÓÍÎÉÙÍÏÏÓÉÉÓÍÎÍÊØ×ÊÓÉÉÇ×Ø ûÌÊÓÐ ùÍØ×ÍÖö×Ø×ÊÛÐê×ÕÇÐÛÈÓÍÎÉÌÛÊÈ èÔÓÉÌÛÊÛÕÊÛÌÔØÍ×É ÎÍÈ×Ä×ÏÌÈÛÎÃÍÖÈÔ×ÖÍÐÐÍÅÓÎÕ Ûê×ÌÛÓÊÍÊÊ×ÌÐÛÙ×Ï×ÎÈÌÛÊÈÉÌÇÊÙÔÛÉ×ØÖÍÊÈÔ×ÏÛÙÔÓÎ×ÊÃÍÊ ×ËÇÓÌÏ×ÎÈØ×ÉÙÊÓÚ×ØÓÎÈÔÓÉÌÛÊÛÕÊÛÌÔ ÚïÛÙÔÓÎ×ÊÃÍÊ×ËÇÓÌÏ×ÎÈÌÇÊÙÔÛÉ×ØÈÍÊ×ÌÐÛÙ×ÏÛÙÔÓÎ×ÊÃÍÊ×ËÇÓÌÏ×ÎÈ ÖÍÊÅÔÓÙÔÛÎ×Ä×ÏÌÈÓÍÎÅÛÉÌÊ×ÆÓÍÇÉÐÃÙÐÛÓÏ×ØÛÎØÈÛÑ×ÎÇÎØ×ÊÈÔÓÉÌÛÊÛÕÊÛÌÔ ÙûÎÃÏÛÙÔÓÎ×ÊÃÍÊ×ËÇÓÌÏ×ÎÈÌÇÊÙÔÛÉ×ØÛÖÈ×ÊÈÔ×È×Ð×ÆÓÉÓÍÎÉÈÛÈÓÍÎ ÔÛÉÙ×ÛÉ×ØÛÎÛÐÍÕÚÊÍÛØÙÛÉÈÓÎÕÍÊÌÇÊÙÔÛÉ×ØÛÖÈ×ÊîÍÆ×ÏÚ×Ê ÅÔÓÙÔ×Æ×ÊÍÙÙÇÊÉÖÓÊÉÈ ÖÊÍÏÛÎØÛÖÈ×ÊòÇÎ× ÈÔÊÍÇÕÔòÇÎ× ÚÃÛËÇÛÐÓÖÓ×ØÚÇÉÓÎ×ÉÉÇÎØ×ÊÉ×ÙÈÓÍÎÖÍÊ ÔÛÊÆ×ÉÈÓÎÕÍÊÌÊÍÙ×ÉÉÓÎÕËÇÛÐÓÖÃÓÎÕÖÍÊ×ÉÈÌÊÍØÇÙÈÉÊ×ÏÍÆ×ØÖÊÍÏËÇÛÐÓÖÃÓÎÕ ÌÊÍÒ×ÙÈÉÛÉØ×ÖÓÎ×ØÓÎÉ×ÙÈÓÍÎèÍËÇÛÐÓÖÃÖÍÊÈÔÓÉ×Ä×ÏÌÈÓÍÎÈÔ× ËÇÛÐÓÖÓ×ØÚÇÉÓÎ×ÉÉÏÇÉÈÍÚÈÛÓÎÛÎØÌÊ×É×ÎÈÓÈÉÙ×ÊÈÓÖÓÙÛÈÓÍÎÖÊÍÏÈÔ×ûÊÓÂÍÎÛ ÙÍÏÏ×ÊÙ×ÛÇÈÔÍÊÓÈÃÛÈÈÔ×ÈÓÏ×ÍÖÌÇÊÙÔÛÉ× ùèÔ××Ä×ÏÌÈÓÍÎÉÌÊÍÆÓØ×ØÚÃÉÇÚÉ×ÙÈÓÍÎúÍÖÈÔÓÉÉ×ÙÈÓÍÎØÍÎÍÈ ÓÎÙÐÇØ× ÷ÄÌ×ÎØÛÚÐ×ÏÛÈ×ÊÓÛÐÉöÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÈÔÓÉÌÛÊÛÕÊÛÌÔ ×ÄÌ×ÎØÛÚÐ×ÏÛÈ×ÊÓÛÐÉØÍÎÍÈÓÎÙÐÇØ×ÛÎÃÍÖÈÔ×ÙÛÈ×ÕÍÊÓ×ÉÍÖÈÛÎÕÓÚÐ× Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÉÌ×ÙÓÖÓ×ØÓÎÉÇÚÉ×ÙÈÓÍÎúÍÖÈÔÓÉÉ×ÙÈÓÍÎÊ×ÕÛÊØÐ×ÉÉÍÖÈÔ× ÙÍÉÈÍÊÇÉ×ÖÇÐÐÓÖ×ÍÖÈÔÛÈÌÊÍÌ×ÊÈÃ òÛÎÓÈÍÊÓÛÐ×ËÇÓÌÏ×ÎÈÛÎØÔÛÎØÈÍÍÐÉ íÖÖÓÙ××ËÇÓÌÏ×ÎÈÖÇÊÎÓÈÇÊ×ÛÎØÉÇÌÌÐÓ×É èÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÇÉ×ØÓÎÉ×ÐÐÓÎÕÍÊØÓÉÈÊÓÚÇÈÓÎÕ ÛÙÈÓÆÓÈÓ×ÉÍÈÔ×ÊÈÔÛÎÈÔ×È×Ð×ÙÍÏÏÇÎÓÙÛÈÓÍÎÉÈÊÛÎÉÏÓÉÉÓÍÎÉØ×ÉÙÊÓÚ×ØÓÎ ÉÇÚÉ×ÙÈÓÍÎúÌÛÊÛÕÊÛÌÔ ÍÖÈÔÓÉÉ×ÙÈÓÍÎ ïÍÈÍÊÆ×ÔÓÙÐ×ÉÊ×ËÇÓÊ×ØÈÍÚ×ÐÓÙ×ÎÉ×ØÚÃÈÔÓÉÉÈÛÈ××ÄÙ×ÌÈÚÇÉ×É ÍÊÍÈÔ×ÊÇÊÚÛÎÏÛÉÉÈÊÛÎÉÓÈÆ×ÔÓÙÐ×ÉÉÌ×ÙÓÖÓÙÛÐÐÃ×Ä×ÏÌÈ×ØÌÇÊÉÇÛÎÈÈÍ ÉÇÚÉ×ÙÈÓÍÎúÌÛÊÛÕÊÛÌÔÍÖÈÔÓÉÉ×ÙÈÓÍÎÅÓÈÔÍÇÈÊ×ÕÛÊØÈÍÈÔ×ÇÉ×ÍÖÉÇÙÔ ÏÍÈÍÊÆ×ÔÓÙÐ×É éÔÍÌÉÚÇÓÐØÓÎÕÉØÍÙÑÉØ×ÌÍÈÉÛÎØÛÐÐÍÈÔ×ÊÏÛÈ×ÊÓÛÐÉÍÖÅÔÛÈ×Æ×Ê ÑÓÎØÍÊÙÔÛÊÛÙÈ×ÊÎÍÈÉÌ×ÙÓÖÓÙÛÐÐÃÓÎÙÐÇØ×ØÛÉ×Ä×ÏÌÈ Study Session - March 13, 2013 - Page 108 of 125 ôú ïÍÈÍÊÉÛÎØÌÇÏÌÉÇÉ×ØÓÎØÊÓÌÓÊÊÓÕÛÈÓÍÎÉÃÉÈ×ÏÉ øèÔ×ÖÍÐÐÍÅÓÎÕÉÔÛÐÐÚ×Ø×ØÇÙÈ×ØÓÎÙÍÏÌÇÈÓÎÕÈÔ×ÌÇÊÙÔÛÉ×ÌÊÓÙ×ÍÖ ×Ð×ÙÈÊÓÙÓÈÃÚÃÛÊ×ÈÛÓÐ×Ð×ÙÈÊÓÙÙÇÉÈÍÏ×ÊÖÊÍÏÛÇÈÓÐÓÈÃÚÇÉÓÎ×ÉÉ ê×Æ×ÎÇ×ÉÊ×Ù×ÓÆ×ØÖÊÍÏÉÛÐ×ÉÍÖÛÎÙÓÐÐÛÊÃÉ×ÊÆÓÙ×É×Ð×ÙÈÊÓÙ ØÓÉÈÊÓÚÇÈÓÍÎÉ×ÊÆÓÙ×É×Ð×ÙÈÊÓÙÕ×Î×ÊÛÈÓÍÎÉ×ÊÆÓÙ×É×Ð×ÙÈÊÓÙÈÊÛÎÉÏÓÉÉÓÍÎ É×ÊÆÓÙ×ÉÛÎØÍÈÔ×ÊÉ×ÊÆÓÙ×ÉÊ×ÐÛÈ×ØÈÍÌÊÍÆÓØÓÎÕ×Ð×ÙÈÊÓÙÓÈÃÈÍÛÊ×ÈÛÓÐ ×Ð×ÙÈÊÓÙÙÇÉÈÍÏ×ÊÅÔÍÓÉÐÍÙÛÈ×ØÍÇÈÉÓØ×ÈÔÓÉÉÈÛÈ×ÖÍÊÇÉ×ÍÇÈÉÓØ×ÈÔÓÉ ÉÈÛÈ×ÓÖÈÔ××Ð×ÙÈÊÓÙÓÈÃÓÉØ×ÐÓÆ×Ê×ØÈÍÛÌÍÓÎÈÍÖÉÛÐ×ÍÇÈÉÓØ×ÈÔÓÉÉÈÛÈ× ê×Æ×ÎÇ×ÉÊ×Ù×ÓÆ×ØÖÊÍÏÌÊÍÆÓØÓÎÕ×Ð×ÙÈÊÓÙÓÈÃÓÎÙÐÇØÓÎÕÛÎÙÓÐÐÛÊÃ É×ÊÆÓÙ×É×Ð×ÙÈÊÓÙØÓÉÈÊÓÚÇÈÓÍÎÉ×ÊÆÓÙ×É×Ð×ÙÈÊÓÙÕ×Î×ÊÛÈÓÍÎÉ×ÊÆÓÙ×É ×Ð×ÙÈÊÓÙÈÊÛÎÉÏÓÉÉÓÍÎÉ×ÊÆÓÙ×ÉÛÎØÍÈÔ×ÊÉ×ÊÆÓÙ×ÉÊ×ÐÛÈ×ØÈÍÌÊÍÆÓØÓÎÕ ×Ð×ÙÈÊÓÙÓÈÃÅÓÈÔÊ×ÉÌ×ÙÈÈÍÅÔÓÙÔÈÔ×ÈÊÛÎÉÛÙÈÓÍÎÌÊÓÆÓÐ×Õ×ÈÛÄÓÏÌÍÉ×ØÇÎØ×Ê É×ÙÈÓÍÎ ÔÛÉÚ××ÎÌÛÓØ ÷èÔ×ÈÛÄÐ×ÆÓ×ØÚÃÈÔÓÉÛÊÈÓÙÐ×ØÍ×ÉÎÍÈÛÌÌÐÃÈÍÈÔ×ÌÇÊÙÔÛÉ×ÍÖ ÉÍÐÛÊ×Î×ÊÕÃØ×ÆÓÙ×ÉÖÊÍÏÛÊ×ÈÛÓÐ×ÊÈÔÛÈÓÉÊ×ÕÓÉÈ×Ê×ØÅÓÈÔÈÔ×Ø×ÌÛÊÈÏ×ÎÈ ÛÉÛÉÍÐÛÊ×Î×ÊÕÃÊ×ÈÛÓÐ×ÊÍÊÛÉÍÐÛÊ×Î×ÊÕÃÙÍÎÈÊÛÙÈÍÊ öèÔ×ÖÍÐÐÍÅÓÎÕÉÔÛÐÐÚ×Ø×ØÇÙÈ×ØÓÎÙÍÏÌÇÈÓÎÕÈÔ×ÌÇÊÙÔÛÉ×ÌÊÓÙ×ÍÖ ×Ð×ÙÈÊÓÙÓÈÃÚÃÛÊ×ÈÛÓÐ×Ð×ÙÈÊÓÙÙÇÉÈÍÏ×ÊÖÊÍÏÛÇÈÓÐÓÈÃÚÇÉÓÎ×ÉÉ ö××ÉÙÔÛÊÕ×ØÚÃÛÏÇÎÓÙÓÌÛÐÐÃÍÅÎ×ØÇÈÓÐÓÈÃÈÍÌ×ÊÉÍÎÉÙÍÎÉÈÊÇÙÈÓÎÕ Ê×ÉÓØ×ÎÈÓÛÐÙÍÏÏ×ÊÙÓÛÐÍÊÓÎØÇÉÈÊÓÛÐØ×Æ×ÐÍÌÏ×ÎÈÉÍÊÙÍÎÎ×ÙÈÓÎÕÊ×ÉÓØ×ÎÈÓÛÐ ÙÍÏÏ×ÊÙÓÛÐÍÊÓÎØÇÉÈÊÓÛÐØ×Æ×ÐÍÌÏ×ÎÈÉÈÍÛÏÇÎÓÙÓÌÛÐÇÈÓÐÓÈÃÉÃÉÈ×ÏÍÊ ÉÃÉÈ×ÏÉÓÖÈÔ×Ö××ÉÛÊ×É×ÕÊ×ÕÛÈ×ØÛÎØÇÉ×ØÍÎÐÃÖÍÊÙÛÌÓÈÛÐ×ÄÌÛÎÉÓÍÎ ÉÃÉÈ×Ï×ÎÐÛÊÕ×Ï×ÎÈÍÊØ×ÚÈÉ×ÊÆÓÙ×ÍÖÈÔ×ÇÈÓÐÓÈÃÉÃÉÈ×ÏÍÊÉÃÉÈ×ÏÉ É×Ï×ÎÈÍÊÙÍÎÈÊÓÚÇÈÓÍÎÙÍÏÌ×ÎÉÛÈÓÍÎÈÍÛÎÃÌ×ÊÉÍÎÍÊÌ×ÊÉÍÎÉ ÍÅÎÓÎÕÛÇÈÓÐÓÈÃÉÃÉÈ×ÏÖÍÊÌÊÍÌ×ÊÈÃÛÎØ×ËÇÓÌÏ×ÎÈÓÎÉÈÛÐÐ×ØÈÍÌÊÍÆÓØ× ÇÈÓÐÓÈÃÛÙÙ×ÉÉÈÍÍÎÍÊÛÙÊÍÉÉÈÔ×ÐÛÎØÍÖÛÎÛÙÈÇÛÐÇÈÓÐÓÈÃÙÍÎÉÇÏ×ÊÓÖÈÔ× ÌÊÍÌ×ÊÈÃÛÎØ×ËÇÓÌÏ×ÎÈÚ×ÙÍÏ×ÈÔ×ÌÊÍÌ×ÊÈÃÍÖÈÔ×ÇÈÓÐÓÈÃèÔÓÉØ×ØÇÙÈÓÍÎ ÉÔÛÐÐÎÍÈ×ÄÙ××ØÈÔ×ÆÛÐÇ×ÍÖÉÇÙÔÌÊÍÌ×ÊÈÃÛÎØ×ËÇÓÌÏ×ÎÈ õöÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÉÇÚÉ×ÙÈÓÍÎúÍÖÈÔÓÉÉ×ÙÈÓÍÎ ûÓÊÙÊÛÖÈÓÎÙÐÇØ×É ÛûÎÛÓÊÌÐÛÎ×ÖÐÓÕÔÈÉÓÏÇÐÛÈÍÊÈÔÛÈÓÉÛÌÌÊÍÆ×ØÚÃÈÔ×Ö×Ø×ÊÛÐ ÛÆÓÛÈÓÍÎÛØÏÓÎÓÉÈÊÛÈÓÍÎÖÍÊÇÉ×ÛÉÛÌÔÛÉ×óóÍÊÔÓÕÔ×ÊÖÐÓÕÔÈÉÓÏÇÐÛÈÍÊ ÇÎØ×ÊÛÌÌ×ÎØÓÄôùÍØ×ÍÖö×Ø×ÊÛÐê×ÕÇÐÛÈÓÍÎÉÌÛÊÈ ÚèÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÈÔÛÈÓÉÌ×ÊÏÛÎ×ÎÈÐÃÛÖÖÓÄ×ØÍÊÛÈÈÛÙÔ×Ø ÛÉÛÙÍÏÌÍÎ×ÎÈÌÛÊÈÍÖÛÎÛÓÊÙÊÛÖÈÈÔÛÈÓÉÍÅÎ×ØÍÊÍÌ×ÊÛÈ×ØÚÃÛ Ù×ÊÈÓÖÓÙÛÈ×ØÍÊÐÓÙ×ÎÉ×ØÙÛÊÊÓ×ÊÍÖÌ×ÊÉÍÎÉÍÊÌÊÍÌ×ÊÈÃ íÈÔ×ÊÛÙÙ×ÉÉÍÊÓ×ÉÛÎØÊ×ÐÛÈ×Ø×ËÇÓÌÏ×ÎÈÓÎÙÐÇØ×ÉÛÓÊÙÊÛÖÈ ÛÙÙ×ÉÉÍÊÓ×ÉÛÎØ×ËÇÓÌÏ×ÎÈÉÇÙÔÛÉÕÊÍÇÎØÉ×ÊÆÓÙ××ËÇÓÌÏ×ÎÈÈÔÛÈÌÔÃÉÓÙÛÐÐÃ ÙÍÎÈÛÙÈÛÓÊÙÊÛÖÈÛÈÉÍÏ×ÌÍÓÎÈØÇÊÓÎÕÈÔ×ÍÆ×ÊÛÐÐÙÛÊÊÓ×ÊÍÌ×ÊÛÈÓÍÎ ôöÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÉÇÚÉ×ÙÈÓÍÎøÍÖÈÔÓÉÉ×ÙÈÓÍÎÛÎÙÓÐÐÛÊÃ É×ÊÆÓÙ×É×Ð×ÙÈÊÓÙØÓÉÈÊÓÚÇÈÓÍÎÉ×ÊÆÓÙ××Ð×ÙÈÊÓÙÕ×Î×ÊÛÈÓÍÎÉ×ÊÆÓÙ× ×Ð×ÙÈÊÓÙÈÊÛÎÉÏÓÉÉÓÍÎÉ×ÊÆÓÙ×ÛÎØÍÈÔ×ÊÉ×ÊÆÓÙ×ÉÔÛÆ×ÈÔ×ÉÛÏ×Ï×ÛÎÓÎÕÉ ÌÊ×ÉÙÊÓÚ×ØÓÎÉ×ÙÈÓÍÎ Study Session - March 13, 2013 - Page 109 of 125 ôú é×Ù é×ÙÈÓÍÎ ûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÓÉÛÏ×ÎØ×ØÈÍ Ê×ÛØ ðÓÛÚÓÐÓÈÃÖÍÊÈÛÄ ûÎÃÌ×ÊÉÍÎÅÔÍÇÉ×ÉÉÈÍÊ×ÉÍÊÙÍÎÉÇÏ×ÉÛÎÃÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃ ÇÌÍÎíîÅÔÓÙÔÛÈÛÄÓÉÓÏÌÍÉ×ØÚÃÈÔÓÉÛÊÈÓÙÐ×ÛÎØÇÌÍÎíîÅÔÓÙÔÈÔ×ÈÛÄÔÛÉ ÎÍÈÚ××ÎÙÍÐÐ×ÙÈ×ØÚÃÛÊ×ÕÓÉÈ×Ê×ØÊ×ÈÛÓÐ×ÊÍÊÇÈÓÐÓÈÃÚÇÉÓÎ×ÉÉÉÔÛÐÐÌÛÃÈÔ× ÈÛÄÛÉÌÊÍÆÓØ×ØÚÃÈÔÓÉÛÊÈÓÙÐ×ÚÇÈ×Æ×ÊÃÊ×ÈÛÓÐ×ÊÛÎØÇÈÓÐÓÈÃÚÇÉÓÎ×ÉÉ ÏÛÓÎÈÛÓÎÓÎÕÛÌÐÛÙ×ÍÖÚÇÉÓÎ×ÉÉÓÎÈÔÓÉÉÈÛÈ×ÛÎØÏÛÑÓÎÕÉÛÐ×ÉÍÖÈÛÎÕÓÚÐ× Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÖÍÊÉÈÍÊÛÕ×ÇÉ×ÍÊÍÈÔ×ÊÙÍÎÉÇÏÌÈÓÍÎÓÎÈÔÓÉÉÈÛÈ×ÉÔÛÐÐ ÙÍÐÐ×ÙÈÈÔ×ÈÛÄÖÊÍÏÈÔ×ÌÇÊÙÔÛÉ×ÊÍÊÇÉ×ÊÇÎÐ×ÉÉÈÔ×ÌÊÍÌ×ÊÈÃÓÉ×Ä×ÏÌÈ ÇÎØ×ÊÈÔÓÉÛÊÈÓÙÐ×ÍÊÈÔ×ÌÇÊÙÔÛÉ×ÊÍÊÇÉ×ÊÌÛÃÉÈÔ×ÈÛÄØÓÊ×ÙÈÐÃÈÍÈÔ× Ø×ÌÛÊÈÏ×ÎÈÛÉÌÊÍÆÓØ×ØÚÃÉ×ÙÈÓÍÎ óÎÈÔ×ÙÛÉ×ÍÖÛÏÛÎÇÖÛÙÈÇÊ×Ø ÚÇÓÐØÓÎÕÈÔÛÈÓÉÌÇÊÙÔÛÉ×ØÖÊÍÏÛØ×ÛÐ×ÊÍÇÈÉÓØ×ÈÔÓÉÉÈÛÈ×ÛÎØÚÊÍÇÕÔÈÓÎÈÍ ÈÔÓÉÉÈÛÈ×ÛÎÃÌ×ÊÉÍÎÅÔÍÓÉÔÓÊ×ØÈÍÉ×ÈÇÌÈÔ×ÏÛÎÇÖÛÙÈÇÊ×ØÚÇÓÐØÓÎÕÛÎØ ÅÔÍÓÉÐÓÙ×ÎÉ×ØÌÇÊÉÇÛÎÈÈÍÈÓÈÐ×ÙÔÛÌÈ×ÊÛÊÈÓÙÐ×ÉÔÛÐÐÙÍÐÐ×ÙÈÈÔ× ÈÛÄÖÊÍÏÈÔ×ÍÅÎ×ÊÛÎØÊ×ÏÓÈÈÔ×ÈÛÄÅÓÈÔÛÎÃÈÛÄÈÔÛÈÓÉØÇ×ÇÎØ×ÊÈÔ×ÌÊÓÏ× ÙÍÎÈÊÛÙÈÓÎÕïûîçöûùèçê÷øúçóðøóîõø÷ûð÷êÙÐÛÉÉÓÖÓÙÛÈÓÍÎìçêéçûîèèíé÷ùèóíî é×Ù é×ÙÈÓÍÎ ûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÓÉÛÏ×ÎØ×ØÈÍ Ê×ÛØ ùÍÐÐ×ÙÈÓÍÎÛÎØÛØÏÓÎÓÉÈÊÛÈÓÍÎÍÖÈÊÛÎÉÛÙÈÓÍÎÌÊÓÆÓÐ×Õ× ÈÛÄÛÎØÛÖÖÓÐÓÛÈ×Ø×ÄÙÓÉ×ÈÛÄ×ÉÙÍÏÏÓÈÈ×× ûèÔ×Ø×ÌÛÊÈÏ×ÎÈÏÛÃéôûððÙÍÐÐ×ÙÈÛÎØÛØÏÓÎÓÉÈ×ÊÛÎÃÈÊÛÎÉÛÙÈÓÍÎ ÌÊÓÆÓÐ×Õ×ÛÎØÛÖÖÓÐÓÛÈ×Ø×ÄÙÓÉ×ÈÛÄ×ÉÓÎÙÐÇØÓÎÕÇÉ×ÈÛÄÉ×Æ×ÊÛÎÙ×ÈÛÄÒ×È ÖÇ×Ð×ÄÙÓÉ×ÛÎØÇÉ×ÈÛÄÛÎØÊ×ÎÈÛÐÍÙÙÇÌÛÎÙÃÈÛÄÓÏÌÍÉ×ØÚÃÛÎÃÙÓÈÃÍÊ ÈÍÅÎÛÎØÈÔ×Ø×ÌÛÊÈÏ×ÎÈÛÎØÛÎÃÙÓÈÃÍÊÈÍÅÎÏÛÃéôûðð×ÎÈ×ÊÓÎÈÍ ÓÎÈ×ÊÕÍÆ×ÊÎÏ×ÎÈÛÐÙÍÎÈÊÛÙÈÉÍÊÛÕÊ××Ï×ÎÈÉÈÍÌÊÍÆÓØ×ÛÇÎÓÖÍÊÏÏ×ÈÔÍØÍÖ ÛØÏÓÎÓÉÈÊÛÈÓÍÎÙÍÐÐ×ÙÈÓÍÎÛÇØÓÈÛÎØÐÓÙ×ÎÉÓÎÕÍÖÈÊÛÎÉÛÙÈÓÍÎÌÊÓÆÓÐ×Õ×ÛÎØ ÛÖÖÓÐÓÛÈ×Ø×ÄÙÓÉ×ÈÛÄ×ÉÓÏÌÍÉ×ØÚÃÈÔ×ÉÈÛÈ×ÍÊÙÓÈÓ×ÉÍÊÈÍÅÎÉÌÇÊÉÇÛÎÈÈÍ ÈÓÈÐ×ÙÔÛÌÈ×ÊÛÊÈÓÙÐ× úèÔ×ØÓÊ×ÙÈÍÊÏÛÃ×ÎÈ×ÊÓÎÈÍÛÕÊ××Ï×ÎÈÉÅÓÈÔÙÓÈÓ×ÉÛÎØÈÍÅÎÉÍÖ ÈÔÓÉÉÈÛÈ×ÈÔÛÈÐ×ÆÃÈÊÛÎÉÛÙÈÓÍÎÌÊÓÆÓÐ×Õ×ÛÎØÛÖÖÓÐÓÛÈ×Ø×ÄÙÓÉ×ÈÛÄ×ÉÈÍ ÌÊÍÆÓØ×ÖÍÊÇÎÓÖÓ×ØÍÊÙÍÍÊØÓÎÛÈ×ØÐÓÙ×ÎÉÓÎÕÙÍÐÐ×ÙÈÓÍÎÛÎØÛÇØÓÈÓÎÕ ÌÊÍÕÊÛÏÉÖÍÊÉÇÙÔÈÛÄ×ÉÐ×ÆÓ×ØÚÃÙÓÈÓ×ÉÛÎØÈÍÅÎÉÛÎØÈÛÄ×ÉÐ×ÆÓ×ØÌÇÊÉÇÛÎÈ ÈÍÙÔÛÌÈ×ÊÍÖÈÔÓÉÈÓÈÐ×éÇÙÔÙÓÈÓ×ÉÛÎØÈÍÅÎÉÏÛÃ×ÎÈ×ÊÓÎÈÍÛÕÊ××Ï×ÎÈÉ ÅÓÈÔÈÔ×Ø×ÌÛÊÈÏ×ÎÈÈÍÌÊÍÆÓØ×ÖÍÊÇÎÓÖÓ×ØÍÊÙÍÍÊØÓÎÛÈ×ØÐÓÙ×ÎÉÓÎÕ ÙÍÐÐ×ÙÈÓÍÎÛÎØÛÇØÓÈÓÎÕÌÊÍÕÊÛÏÉÖÍÊÉÇÙÔÈÊÛÎÉÛÙÈÓÍÎÌÊÓÆÓÐ×Õ×ÛÎØ ÛÖÖÓÐÓÛÈ×Ø×ÄÙÓÉ×ÈÛÄ×ÉÐ×ÆÓ×ØÚÃÉÇÙÔÙÓÈÓ×ÉÛÎØÈÍÅÎÉÛÎØÖÍÊÈÛÄ×ÉÐ×ÆÓ×Ø ÌÇÊÉÇÛÎÈÈÍÙÔÛÌÈ×ÊÍÖÈÔÓÉÈÓÈÐ× ùûÙÓÈÃÍÊÈÍÅÎÈÔÛÈØÍ×ÉÎÍÈ×ÎÈ×ÊÓÎÈÍÛÎÛÕÊ××Ï×ÎÈÅÓÈÔÈÔ× Ø×ÌÛÊÈÏ×ÎÈÖÍÊÈÔ×ÙÍÐÐ×ÙÈÓÍÎÍÖÏÇÎÓÙÓÌÛÐÈÊÛÎÉÛÙÈÓÍÎÌÊÓÆÓÐ×Õ×ÛÎØ ÛÖÖÓÐÓÛÈ×Ø×ÄÙÓÉ×ÈÛÄ×ÉÉÔÛÐÐÊ×ÌÍÊÈÈÍÈÔ×Ø×ÌÛÊÈÏ×ÎÈÍÎÍÊÚ×ÖÍÊ×é×ÌÈ×ÏÚ×Ê ÍÖ×ÛÙÔÃ×ÛÊÈÔ×ÈÍÈÛÐÛÏÍÇÎÈÍÖÈÔÍÉ×ÈÛÄ×ÉÙÍÐÐ×ÙÈ×ØÚÃÈÔ×ÙÓÈÃÍÊÈÍÅÎ ÓÎÈÔ×ÌÊ×Ù×ØÓÎÕÖÓÉÙÛÐÃ×ÛÊ Study Session - March 13, 2013 - Page 110 of 125 ôú øúèÔ×ØÓÊ×ÙÈÍÊÉÔÛÐÐ×ÉÈÛÚÐÓÉÔÅÓÈÔÉÇÙÔèô÷ÙÓÈÓ×ÉÛÎØÈÍÅÎÉÛ ÇÎÓÖÍÊÏÐÓÙ×ÎÉÓÎÕÙÍÐÐ×ÙÈÓÍÎÛÎØÛÇØÓÈÙÍÏÏÓÈÈ××ÈÍØÓÊ×ÙÈÉÇÙÔÇÎÓÖÓ×ØÍÊ ÙÍÍÊØÓÎÛÈ×ØÖÇÎÙÈÓÍÎÉ ÷ûÈÛÄÌÛÃ×ÊÅÔÍÓÉÊ×ËÇÓÊ×ØÈÍÌÛÃÛÎÃÏÇÎÓÙÓÌÛÐÈÊÛÎÉÛÙÈÓÍÎ ÌÊÓÆÓÐ×Õ×ÛÎØÛÖÖÓÐÓÛÈ×Ø×ÄÙÓÉ×ÈÛÄ×ÉÈÍÛÙÓÈÃÍÊÈÍÅÎÈÔÛÈÔÛÉÎÍÈ×ÎÈ×Ê×Ø ÓÎÈÍÛÎÓÎÈ×ÊÕÍÆ×ÊÎÏ×ÎÈÛÐÙÍÎÈÊÛÙÈÍÊÛÕÊ××Ï×ÎÈÅÓÈÔÈÔ×Ø×ÌÛÊÈÏ×ÎÈÍÖ Ê×Æ×ÎÇ×ÇÎØ×ÊÉÇÚÉ×ÙÈÓÍÎúÍÖÈÔÓÉÉ×ÙÈÓÍÎÈÍÌÊÍÆÓØ×ÛÙÍÍÊØÓÎÛÈ×ØÏ×ÈÔÍØÍÖ ÙÍÐÐ×ÙÈÓÎÕÏÇÎÓÙÓÌÛÐÈÊÛÎÉÛÙÈÓÍÎÌÊÓÆÓÐ×Õ×ÛÎØÛÖÖÓÐÓÛÈ×Ø×ÄÙÓÉ×ÈÛÄ×ÉÏÛÃ ÓÎÉÈ×ÛØÊ×ÌÍÊÈÛÎØÌÛÃÈÔ×Ê×ËÇÓÊ×ØÈÛÄÈÍÈÔÛÈÙÓÈÃÍÊÈÍÅÎÈÔÊÍÇÕÔÛÎ ÍÎÐÓÎ×ÌÍÊÈÛÐèÔ×ÍÎÐÓÎ×ÌÍÊÈÛÐÉÔÛÐÐÚ×ÌÊÍÙÇÊ×ØÚÃÈÔ×Ø×ÌÛÊÈÏ×ÎÈÍÖ ÛØÏÓÎÓÉÈÊÛÈÓÍÎÌÇÊÉÇÛÎÈÈÍÛÌÇÚÐÓÙÌÊÓÆÛÈ×ÌÛÊÈÎ×ÊÉÔÓÌ×ÎÈ×Ê×ØÓÎÈÍÌÇÊÉÇÛÎÈ ÈÍÉ×ÙÈÓÍÎ ÓÎÙÐÇØ×ÛÙÙ×ÉÉÈÍÛÉÓÎÕÐ×ÌÍÓÎÈÍÖÖÓÐÓÎÕÛÎØ ÌÛÃÓÎÕÈÔ×ÈÛÄÛÎØÉÔÛÐÐÌÊÍÆÓØ×É×ÙÇÊÓÈÃÏ×ÛÉÇÊ×ÉÈÍÌÊÍÈ×ÙÈÈÛÄÌÛÃ×Ê ÓÎÖÍÊÏÛÈÓÍÎèÔ×ÈÛÄÌÛÃ×ÊÏÛÃÚ×ÙÔÛÊÕ×ØÛÖ××ÈÍÇÉ×ÈÔ×ÍÎÐÓÎ×ÌÍÊÈÛÐ é×Ù é×ÙÈÓÍÎ ûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÓÉÛÏ×ÎØ×ØÈÍ Ê×ÛØ ìÊÍÙ×ØÇÊ×ÉÖÍÊÐ×ÆÃÙÍÐÐ×ÙÈÓÍÎÛÎØ×ÎÖÍÊÙ×Ï×ÎÈ ÛÌÌÐÓÙÛÚÐ×ÈÍÙÓÈÓ×ÉÛÎØÈÍÅÎÉ ûèÔ×ÌÊÍÙ×ØÇÊ×ÉÖÍÊÐ×ÆÃÙÍÐÐ×ÙÈÓÍÎÛÎØ×ÎÖÍÊÙ×Ï×ÎÈÍÖÌÛÃÏ×ÎÈÍÖ ÈÊÛÎÉÛÙÈÓÍÎÌÊÓÆÓÐ×Õ×ÛÎØÛÖÖÓÐÓÛÈ×Ø×ÄÙÓÉ×ÈÛÄ×ÉÓÎÙÐÇØÓÎÕÇÉ×ÈÛÄ É×Æ×ÊÛÎÙ×ÈÛÄÒ×ÈÖÇ×Ð×ÄÙÓÉ×ÛÎØÇÉ×ÈÛÄÛÎØÊ×ÎÈÛÐÍÙÙÇÌÛÎÙÃÈÛÄÐ×ÆÓ×Ø ÚÃÛÙÓÈÃÍÊÈÍÅÎÚÃÉÇÙÔÙÓÈÃÍÊÈÍÅÎÉÔÛÐÐÚ×ÓÎÈÔ×ÉÛÏ×ÏÛÎÎ×ÊÛÉ ÛÇÈÔÍÊÓÂ×ØÚÃÙÔÛÌÈ×ÊÍÖÈÔÓÉÈÓÈÐ×ÇÎÐ×ÉÉÍÈÔ×ÊÅÓÉ×ÌÊÍÆÓØ×ØÚÃÈÔ× ÍÊØÓÎÛÎÙ×ÍÖÉÇÙÔÙÓÈÃÍÊÈÍÅÎèÔ×Ø×ÌÛÊÈÏ×ÎÈÅÔ×ÎÛÙÈÓÎÕÍÎÚ×ÔÛÐÖÍÖÛ ÙÓÈÃÍÊÈÍÅÎÓÎÐ×ÆÃÓÎÕÛÎØÙÍÐÐ×ÙÈÓÎÕÈÊÛÎÉÛÙÈÓÍÎÌÊÓÆÓÐ×Õ×ÛÎØÛÖÖÓÐÓÛÈ×Ø ÈÛÄ×ÉÖÍÊÉÇÙÔÙÓÈÃÍÊÈÍÅÎÉÔÛÐÐÇÈÓÐÓÂ×ÈÔ×ÌÊÍÙ×ØÇÊ×ÉÖÍÊÐ×ÆÃÓÎÕ ÙÍÐÐ×ÙÈÓÎÕÛÎØ×ÎÖÍÊÙÓÎÕÈÔ×ÌÛÃÏ×ÎÈÍÖÉÇÙÔÈÛÄ×ÉÍÎÚ×ÔÛÐÖÍÖÈÔ×ÙÓÈÃÍÊ ÈÍÅÎ úûÙÓÈÃÍÊÈÍÅÎÉÔÛÐÐÎÍÈ ÷ÏÌÐÍÃÛÇØÓÈÍÊÉÍÎÛÙÍÎÈÓÎÕ×ÎÈÖ××ÚÛÉÓÉÍÊ×ÎÈ×ÊÓÎÈÍÙÍÎÈÓÎÕ×ÎÈ Ö××ÙÍÎÈÊÛÙÈÉÖÍÊÛÇØÓÈÓÎÕÛÎÃÈÊÛÎÉÛÙÈÓÍÎÌÊÓÆÓÐ×Õ×ÍÊÛÖÖÓÐÓÛÈ×ØÈÛÄÐ×ÆÓ×Ø ÚÃÈÔ×ÙÓÈÃÍÊÈÍÅÎ ÍÊÛ ÌÍÐÓÈÓÙÛÐÉÇÚØÓÆÓÉÓÍÎÍÖÈÔÓÉÉÈÛÈ×ÖÍÊÈÔ×ÙÍÐÐ×ÙÈÓÍÎÛØÏÓÎÓÉÈÊÛÈÓÍÎÍÊ ÌÊÍÙ×ÉÉÓÎÕÍÖÈÊÛÎÉÛÙÈÓÍÎÌÊÓÆÓÐ×Õ×ÍÊÛÖÖÓÐÓÛÈ×ØÈÛÄ×ÉÐ×ÆÓ×ØÚÃÈÔ×ÙÓÈÃÍÊ ÈÍÅÎèÔÓÉÌÛÊÛÕÊÛÌÔØÍ×ÉÎÍÈÛÌÌÐÃÈÍÛÙÓÈÃÍÊÈÍÅÎÈÔÛÈØÍ×ÉÎÍÈÙÍÎÈÊÛÙÈ ÅÓÈÔÈÔ×Ø×ÌÛÊÈÏ×ÎÈÖÍÊÈÔ×ÙÍÐÐ×ÙÈÓÍÎÛØÏÓÎÓÉÈÊÛÈÓÍÎÍÊÌÊÍÙ×ÉÉÓÎÕÍÖ ÈÊÛÎÉÛÙÈÓÍÎÌÊÓÆÓÐ×Õ×ÍÊÛÖÖÓÐÓÛÈ×ØÈÛÄ×ÉÐ×ÆÓ×ØÚÃÈÔ×ÙÓÈÃÍÊÈÍÅÎÛÎØÈÔÛÈ ×ÎÈ×ÊÉÓÎÈÍÛÙÍÎÈÊÛÙÈÅÓÈÔÛÈÔÓÊØÌÛÊÈÃÉÍÐ×ÐÃÖÍÊÈÔ×ÙÍÐÐ×ÙÈÓÍÎÍÖ Ø×ÐÓÎËÇ×ÎÈÙÓÈÃÍÊÈÍÅÎÈÊÛÎÉÛÙÈÓÍÎÌÊÓÆÓÐ×Õ×ÍÊÛÖÖÓÐÓÛÈ×ØÈÛÄ×ÉÖÍÊÅÔÓÙÔÛ ÐÓÛÚÓÐÓÈÃÔÛÉÚ××Î×ÉÈÛÚÐÓÉÔ×Ø Study Session - March 13, 2013 - Page 111 of 125 ôú é×Ù é×ÙÈÓÍÎ ûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÓÉÛÏ×ÎØ×ØÈÍ Ê×ÛØ ÷Ä×ÏÌÈÓÍÎÖÊÍÏÏÇÎÓÙÓÌÛÐÈÛÄ ûûÙÓÈÃÈÍÅÎÍÊÉÌ×ÙÓÛÐÈÛÄÓÎÕØÓÉÈÊÓÙÈÉÔÛÐÐÎÍÈÐ×ÆÃÛ ÈÊÛÎÉÛÙÈÓÍÎÌÊÓÆÓÐ×Õ×ÉÛÐ×ÉÇÉ×ÍÊÍÈÔ×ÊÉÓÏÓÐÛÊÈÛÄÍÎ ÷ÄÔÓÚÓÈÓÍÎ×Æ×ÎÈÉÓÎÈÔÓÉÉÈÛÈ×ÉÌÍÎÉÍÊ×ØÙÍÎØÇÙÈ×ØÍÊÍÌ×ÊÛÈ×ØÚÃ ÛÎÍÎÌÊÍÖÓÈÍÊÕÛÎÓÂÛÈÓÍÎÈÔÛÈÓÉ×Ä×ÏÌÈÖÊÍÏÈÛÄÛÈÓÍÎÇÎØ×ÊÉ×ÙÈÓÍÎ Ù ÙÍÊ ÙÍÖÈÔ×ÓÎÈ×ÊÎÛÐÊ×Æ×ÎÇ×ÙÍØ×ÓÖÈÔ× ÍÊÕÛÎÓÂÛÈÓÍÎÓÉÛÉÉÍÙÓÛÈ×ØÅÓÈÔÛÏÛÒÍÊÐ×ÛÕÇ×ÚÛÉ×ÚÛÐÐÈ×ÛÏÍÊÛÎÛÈÓÍÎÛÐ ÈÍÇÊÓÎÕÌÊÍÖ×ÉÉÓÍÎÛÐÕÍÐÖÓÎÕÛÉÉÍÙÓÛÈÓÍÎÛÎØÎÍÌÛÊÈÍÖÈÔ×ÍÊÕÛÎÓÂÛÈÓÍÎÉ Î×È×ÛÊÎÓÎÕÉÓÎÇÊ×ÉÈÍÈÔ×Ú×Î×ÖÓÈÍÖÛÎÃÌÊÓÆÛÈ×ÉÔÛÊ×ÔÍÐØ×ÊÍÊÓÎØÓÆÓØÇÛÐ ÅÔÓÙÔÓÎÙÐÇØ×ÈÔÛÈÌÍÊÈÓÍÎ ÍÖÈ×Ð×ÙÍÏÏÇÎÓÙÛÈÓÍÎÉÉ×ÊÆÓÙ×ÉÉÇÙÔÛÉÉÇÚÉÙÊÓÚ×ÊÐÓÎ×É×ÊÆÓÙ×ÛÐÐÍÙÛÚÐ×ÚÃ Ö×Ø×ÊÛÐÐÛÅÈÍÓÎÈ×ÊÉÈÛÈ×È×Ð×ÙÍÏÏÇÎÓÙÛÈÓÍÎÉÉ×ÊÆÓÙ× éÛÐ×ÉÍÖÅÛÊÊÛÎÈÃÍÊÉ×ÊÆÓÙ×ÙÍÎÈÊÛÙÈÉ éÛÐ×ÉÍÖÏÍÈÍÊÆ×ÔÓÙÐ×ÉÈÍÎÍÎÊ×ÉÓØ×ÎÈÉÍÖÈÔÓÉÉÈÛÈ×ÖÍÊÇÉ× ÍÇÈÉÓØ×ÈÔÓÉÉÈÛÈ×ÓÖÈÔ×Æ×ÎØÍÊÉÔÓÌÉÍÊØ×ÐÓÆ×ÊÉÈÔ×ÏÍÈÍÊÆ×ÔÓÙÐ×ÈÍÛ Ø×ÉÈÓÎÛÈÓÍÎÍÇÈÉÓØ×ÈÔÓÉÉÈÛÈ× óÎÈ×Ê×ÉÈÍÎÖÓÎÛÎÙ×ÙÍÎÈÊÛÙÈÉ ø×ÛÐ×ÊØÍÙÇÏ×ÎÈÛÈÓÍÎÖ××ÉÍÎÈÔ×ÉÛÐ×ÉÍÖÏÍÈÍÊÆ×ÔÓÙÐ×É éÛÐ×ÉÍÖÖÍÍØÍÊÍÈÔ×ÊÓÈ×ÏÉÌÇÊÙÔÛÉ×ØÅÓÈÔçÎÓÈ×ØéÈÛÈ×É Ø×ÌÛÊÈÏ×ÎÈÍÖÛÕÊÓÙÇÐÈÇÊ×ÖÍÍØÉÈÛÏÌÙÍÇÌÍÎÉÓÉÉÇ×ØÇÎØ×ÊÈÔ×ÖÍÍØÉÈÛÏÌÛÙÈ ÍÖìð éÈÛÈÍÊÖÍÍØÓÎÉÈÊÇÏ×ÎÈÉÓÉÉÇ×ØÇÎØ×ÊÉ×ÙÈÓÍÎ ÍÖÈÔ×ÙÔÓÐØÎÇÈÊÓÈÓÍÎÛÙÈìð éÈÛÈ ìð É×ÙÈÓÍÎ çÎÓÈ×ØéÈÛÈ×ÉùÍØ×É×ÙÈÓÍÎÚÇÈÏÛÃÓÏÌÍÉ×ÉÇÙÔÛÈÛÄ ÍÎÍÈÔ×ÊÉÛÐ×ÉÍÖÖÍÍØóÖÛÙÓÈÃÈÍÅÎÍÊÉÌ×ÙÓÛÐÈÛÄÓÎÕØÓÉÈÊÓÙÈ×Ä×ÏÌÈÉ ÉÛÐ×ÉÍÖÖÍÍØÖÊÍÏÓÈÉÈÛÄÍÊÓÏÌÍÉ×ÉÛØÓÖÖ×Ê×ÎÈÈÊÛÎÉÛÙÈÓÍÎÌÊÓÆÓÐ×Õ×ÊÛÈ× ÍÎÈÔ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ×ÖÊÍÏÉÛÐ×ÉÍÖÖÍÍØÛÎØÎÍÎÖÍÍØ ÓÈ×ÏÉÓÈÉÔÛÐÐÇÉ×ÈÔ×Ø×ÖÓÎÓÈÓÍÎÍÖÖÍÍØÌÊ×ÉÙÊÓÚ×ØÚÃÊÇÐ×ÛØÍÌÈ×ØÚÃÈÔ× Ø×ÌÛÊÈÏ×ÎÈÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ éÛÐ×ÉÍÖÓÎÈ×ÊÎ×ÈÛÙÙ×ÉÉÉ×ÊÆÓÙ×ÉÈÍÈÔ×Ì×ÊÉÍÎÉÉÇÚÉÙÊÓÚ×ÊÉ ÛÎØÙÇÉÈÍÏ×ÊÉöÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÈÔÓÉÌÛÊÛÕÊÛÌÔ ÛóÎÈ×ÊÎ×ÈÏ×ÛÎÉÈÔ×ÙÍÏÌÇÈ×ÊÛÎØÈ×Ð×ÙÍÏÏÇÎÓÙÛÈÓÍÎÉÖÛÙÓÐÓÈÓ×É ÈÔÛÈÙÍÏÌÊÓÉ×ÈÔ×ÓÎÈ×ÊÙÍÎÎ×ÙÈ×ØÅÍÊÐØÅÓØ×Î×ÈÅÍÊÑÍÖÎ×ÈÅÍÊÑÉÈÔÛÈ×ÏÌÐÍÃ ÈÔ×ÈÊÛÎÉÏÓÉÉÓÍÎÙÍÎÈÊÍÐÌÊÍÈÍÙÍÐÍÊÓÎÈ×ÊÎ×ÈÌÊÍÈÍÙÍÐÍÊÛÎÃÌÊ×Ø×Ù×ÉÉÍÊÍÊ ÉÇÙÙ×ÉÉÍÊÌÊÍÈÍÙÍÐÈÍÙÍÏÏÇÎÓÙÛÈ×ÓÎÖÍÊÏÛÈÓÍÎÍÖÛÐÐÑÓÎØÉÚÃÅÓÊ×ÍÊÊÛØÓÍ ÚóÎÈ×ÊÎ×ÈÛÙÙ×ÉÉÏ×ÛÎÉÛÉ×ÊÆÓÙ×ÈÔÛÈ×ÎÛÚÐ×ÉÇÉ×ÊÉÈÍÛÙÙ×ÉÉ ÙÍÎÈ×ÎÈÓÎÖÍÊÏÛÈÓÍÎ×Ð×ÙÈÊÍÎÓÙÏÛÓÐÍÊÍÈÔ×ÊÉ×ÊÆÓÙ×ÉÍÆ×ÊÈÔ×ÓÎÈ×ÊÎ×È óÎÈ×ÊÎ×ÈÛÙÙ×ÉÉØÍ×ÉÎÍÈÓÎÙÐÇØ×È×Ð×ÙÍÏÏÇÎÓÙÛÈÓÍÎÉ×ÊÆÓÙ×ÉÌÊÍÆÓØ×ØÚÃÛ ÙÍÏÏÍÎÙÛÊÊÓ×Ê èÔ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ×Ê×ÈÛÓÎ×ØÚÃÈÔ× ûÊÓÂÍÎÛ×ÄÌÍÉÓÈÓÍÎÛÎØÉÈÛÈ×ÖÛÓÊÚÍÛÊØÖÊÍÏÊÓØ×ÈÓÙÑ×ÈÉÛÐ×ÉÛÈÈÔ×ÛÎÎÇÛÐ ûÊÓÂÍÎÛÉÈÛÈ×ÖÛÓÊ èÔÊÍÇÕÔûÇÕÇÉÈ ÉÛÐ×ÉÍÖûÊÓÂÍÎÛÙ×ÎÈ×ÎÎÓÛÐÏ×ØÛÐÐÓÍÎÉ ÚÃÈÔ×ÔÓÉÈÍÊÓÙÛÐÛØÆÓÉÍÊÃÙÍÏÏÓÉÉÓÍÎ Study Session - March 13, 2013 - Page 112 of 125 ôú èÔ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ×Ø×ÊÓÆ×ØÖÊÍÏÛ ÙÍÏÏ×ÊÙÓÛÐÐ×ÛÉ×ÓÎÅÔÓÙÔÛÊ×ÙÓÌÊÍÙÛÐÓÎÉÇÊ×ÊÍÊÛÙÍÊÌÍÊÛÈÓÍÎÐ×ÛÉ×ÉÊ×ÛÐ ÌÊÍÌ×ÊÈÃÈÍÛÎÛÖÖÓÐÓÛÈ×ØÙÍÊÌÍÊÛÈÓÍÎöÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÈÔÓÉÌÛÊÛÕÊÛÌÔ ÛûÖÖÓÐÓÛÈ×ØÙÍÊÌÍÊÛÈÓÍÎÏ×ÛÎÉÛÙÍÊÌÍÊÛÈÓÍÎÈÔÛÈÏ××ÈÉÍÎ×ÍÖÈÔ× ÖÍÐÐÍÅÓÎÕÙÍÎØÓÈÓÍÎÉ ÓèÔ×ÙÍÊÌÍÊÛÈÓÍÎÍÅÎÉÍÊÙÍÎÈÊÍÐÉÛÈÐ×ÛÉÈ×ÓÕÔÈÃÌ×ÊÙ×ÎÈÍÖÈÔ× Ð×ÉÉÍÊ ÓÓèÔ×ÙÍÊÌÍÊÛÈÓÍÎÓÉÛÈÐ×ÛÉÈ×ÓÕÔÈÃÌ×ÊÙ×ÎÈÍÅÎ×ØÍÊÙÍÎÈÊÍÐÐ×Ø ÚÃÈÔ×Ð×ÉÉÍÊ ÓÓÓèÔ×ÙÍÊÌÍÊÛÈÓÍÎÓÉÛÈÐ×ÛÉÈ×ÓÕÔÈÃÌ×ÊÙ×ÎÈÍÅÎ×ØÍÊÙÍÎÈÊÍÐÐ×Ø ÚÃÛÙÍÊÌÍÊÛÈÓÍÎÈÔÛÈÛÐÉÍÍÅÎÉÍÊÙÍÎÈÊÍÐÉÛÈÐ×ÛÉÈ×ÓÕÔÈÃÌ×ÊÙ×ÎÈÍÖÈÔ× Ð×ÉÉÍÊ ÓÆèÔ×ÙÍÊÌÍÊÛÈÓÍÎÓÉÛÈÐ×ÛÉÈ×ÓÕÔÈÃÌ×ÊÙ×ÎÈÍÅÎ×ØÍÊÙÍÎÈÊÍÐÐ×Ø ÚÃÛÙÍÊÌÍÊÛÈÓÍÎÈÔÛÈÓÉÛÈÐ×ÛÉÈ×ÓÕÔÈÃÌ×ÊÙ×ÎÈÍÅÎ×ØÍÊÙÍÎÈÊÍÐÐ×ØÚÃÛ Ê×ÙÓÌÊÍÙÛÐÓÎÉÇÊ×Ê ÚöÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÉÇÚØÓÆÓÉÓÍÎÛÍÖÈÔÓÉÌÛÊÛÕÊÛÌÔÍÅÎ×ÊÉÔÓÌ ÛÎØÙÍÎÈÊÍÐÛÊ×Ø×È×ÊÏÓÎ×ØÚÃÊ×Ö×Ê×ÎÙ×ÈÍÈÔ×ÆÍÈÓÎÕÉÔÛÊ×ÉÍÖÛ ÙÍÊÌÍÊÛÈÓÍÎ Ùê×ÙÓÌÊÍÙÛÐÓÎÉÇÊ×ÊÔÛÉÈÔ×ÉÛÏ×Ï×ÛÎÓÎÕÌÊ×ÉÙÊÓÚ×ØÓÎÉ×ÙÈÓÍÎ èÔ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ×Ø×ÊÓÆ×ØÖÊÍÏÛ ÙÍÏÏ×ÊÙÓÛÐÐ×ÛÉ×ÓÎÅÔÓÙÔÛÙÍÊÌÍÊÛÈÓÍÎÐ×ÛÉ×ÉÊ×ÛÐÌÊÍÌ×ÊÈÃÈÍÛÙÍÊÌÍÊÛÈÓÍÎ ÍÖÅÔÓÙÔÛÈÐ×ÛÉÈ×ÓÕÔÈÃÌ×ÊÙ×ÎÈÍÖÈÔ×ÆÍÈÓÎÕÉÔÛÊ×ÉÍÖ×ÛÙÔÙÍÊÌÍÊÛÈÓÍÎ ÛÊ×ÍÅÎ×ØÚÃÈÔ×ÉÛÏ×ÉÔÛÊ×ÔÍÐØ×ÊÉ úûÙÓÈÃÈÍÅÎÍÊÍÈÔ×ÊÈÛÄÓÎÕÒÇÊÓÉØÓÙÈÓÍÎÉÔÛÐÐÎÍÈÐ×ÆÃÛ ÈÊÛÎÉÛÙÈÓÍÎÌÊÓÆÓÐ×Õ×ÉÛÐ×ÉÇÉ×ÖÊÛÎÙÔÓÉ×ÍÊÍÈÔ×ÊÉÓÏÓÐÛÊÈÛÄÍÊÖ×× ÔÍÅ×Æ×ÊØ×ÎÍÏÓÎÛÈ×ØÍÎÎÛÈÇÊÛÐÕÛÉÍÊÐÓËÇ×ÖÓ×ØÌ×ÈÊÍÐ×ÇÏÕÛÉÇÉ×ØÈÍÌÊÍÌ×Ð ÛÏÍÈÍÊÆ×ÔÓÙÐ× ùûÙÓÈÃÈÍÅÎÍÊÍÈÔ×ÊÈÛÄÓÎÕÒÇÊÓÉØÓÙÈÓÍÎÉÔÛÐÐÎÍÈÐ×ÆÃÛ ÈÊÛÎÉÛÙÈÓÍÎÌÊÓÆÓÐ×Õ×ÉÛÐ×ÉÕÊÍÉÉÊ×Ù×ÓÌÈÉÇÉ×ÖÊÛÎÙÔÓÉ×ÍÊÍÈÔ×ÊÉÓÏÓÐÛÊ ÈÛÄÍÊÖ××ÔÍÅ×Æ×ÊØ×ÎÍÏÓÎÛÈ×ØÍÎÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ× Ø×ÊÓÆ×ØÖÊÍÏÛÎÃÍÖÈÔ×ÖÍÐÐÍÅÓÎÕ ûÏÍÈÍÊÙÛÊÊÓ×ÊÉÇÉ×ÍÎÈÔ×ÌÇÚÐÓÙÔÓÕÔÅÛÃÉÓÎÈÔÓÉÉÈÛÈ×ÓÖÈÔ× ÏÍÈÍÊÙÛÊÊÓ×ÊÓÉÉÇÚÒ×ÙÈÈÍÛÖ××ÌÊ×ÉÙÊÓÚ×ØÓÎÈÓÈÐ× ÙÔÛÌÈ×Ê ÛÊÈÓÙÐ× ÇÌÍÎ íîÅÔÓÙÔÈÔ×Ö××ÔÛÉÚ××ÎÌÛÓØÇÎØ×ÊÈÓÈÐ× ÙÔÛÌÈ×ÊÛÊÈÓÙÐ× èÔ×ÉÛÐ×ÍÖÛÏÍÈÍÊÆ×ÔÓÙÐ×ÛÎØÛÎÃÊ×ÌÛÓÊÛÎØÊ×ÌÐÛÙ×Ï×ÎÈÌÛÊÈÉ ÛÎØÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÚ×ÙÍÏÓÎÕÛÌÛÊÈÍÖÉÇÙÔÏÍÈÍÊÆ×ÔÓÙÐ×ÈÍÛ ÏÍÈÍÊÙÛÊÊÓ×ÊÅÔÍÓÉÉÇÚÒ×ÙÈÈÍÛÖ××ÌÊ×ÉÙÊÓÚ×ØÓÎÈÓÈÐ× ÙÔÛÌÈ×Ê ÛÊÈÓÙÐ×ÛÎØÅÔÍÓÉ×ÎÕÛÕ×ØÓÎÈÔ×ÚÇÉÓÎ×ÉÉÍÖÐ×ÛÉÓÎÕÊ×ÎÈÓÎÕÍÊÐÓÙ×ÎÉÓÎÕ ÉÇÙÔÌÊÍÌ×ÊÈÃ óÎÙÛÊÙ×ÊÛÈÓÎÕÍÊØ×ÈÛÓÎÓÎÕÓÎÛÌÊÓÆÛÈ×ÐÃÍÌ×ÊÛÈ×ØÌÊÓÉÍÎÒÛÓÐÍÊ Ø×È×ÎÈÓÍÎÖÛÙÓÐÓÈÃÌÊÓÉÍÎ×ÊÉÅÔÍÛÊ×ÇÎØ×ÊÈÔ×ÒÇÊÓÉØÓÙÈÓÍÎÍÖÈÔ×çÎÓÈ×Ø Study Session - March 13, 2013 - Page 113 of 125 ôú éÈÛÈ×ÉÈÔÓÉÉÈÛÈ×ÍÊÛÎÃÍÈÔ×ÊÉÈÛÈ×ÍÊÛÌÍÐÓÈÓÙÛÐÉÇÚØÓÆÓÉÓÍÎÍÖÈÔÓÉ ÉÈÛÈ×ÍÊÍÖÛÎÃÍÈÔ×ÊÉÈÛÈ× èÊÛÎÉÌÍÊÈÓÎÕÖÍÊÔÓÊ×Ì×ÊÉÍÎÉÖÊ×ÓÕÔÈÍÊÌÊÍÌ×ÊÈÃÚÃÐÓÕÔÈÏÍÈÍÊ Æ×ÔÓÙÐ×ÉÉÇÚÒ×ÙÈÈÍÛÖ××ÇÎØ×ÊÈÓÈÐ× ÙÔÛÌÈ×ÊÛÊÈÓÙÐ× ûÎÃÛÏÍÇÎÈÛÈÈÊÓÚÇÈÛÚÐ×ÈÍØ×Æ×ÐÍÌÏ×ÎÈÖ××ÉÈÔÛÈÛÊ×ÓÎÙÇÊÊ×ØÓÎ Ê×ÐÛÈÓÍÎÈÍÈÔ×ÙÍÎÉÈÊÇÙÈÓÍÎØ×Æ×ÐÍÌÏ×ÎÈÍÊÓÏÌÊÍÆ×Ï×ÎÈÍÖÊ×ÛÐÌÊÍÌ×ÊÈÃÛÎØ ÌÛÓØÚÃÈÔ×ÈÛÄÌÛÃ×ÊÛÉØ×ÖÓÎ×ØÓÎÈÔ×ÏÍØ×ÐÙÓÈÃÈÛÄÙÍØ×ÍÊÚÃÛÙÍÎÈÊÛÙÈÍÊ ÌÊÍÆÓØÓÎÕÉ×ÊÆÓÙ×ÉÈÍÈÔ×ÈÛÄÌÛÃ×ÊöÍÊÈÔ×ÌÇÊÌÍÉ×ÉÍÖÈÔÓÉÌÛÊÛÕÊÛÌÔ ÛèÔ×ÛÈÈÊÓÚÇÈÛÚÐ×ÛÏÍÇÎÈÉÔÛÐÐÎÍÈ×ÄÙ××ØÈÔ×ÆÛÐÇ×ÍÖÈÔ× Ø×Æ×ÐÍÌÏ×ÎÈÖ××ÉÛÙÈÇÛÐÐÃÓÏÌÍÉ×Ø ÚèÔ×ÛÈÈÊÓÚÇÈÛÚÐ×ÛÏÍÇÎÈÓÉ×ËÇÛÐÈÍÈÔ×ÈÍÈÛÐÛÏÍÇÎÈÍÖ Ø×Æ×ÐÍÌÏ×ÎÈÖ××ÉÌÛÓØÚÃÈÔ×ÈÛÄÌÛÃ×ÊÍÊÚÃÛÙÍÎÈÊÛÙÈÍÊÌÊÍÆÓØÓÎÕÉ×ÊÆÓÙ×É ÈÍÈÔ×ÈÛÄÌÛÃ×ÊÛÎØÈÔ×ÈÍÈÛÐØ×Æ×ÐÍÌÏ×ÎÈÖ××ÉÙÊ×ØÓÈ×ØÓÎ×ÄÙÔÛÎÕ×ÖÍÊÈÔ× ÙÍÎÉÈÊÇÙÈÓÍÎÍÖÙÍÎÈÊÓÚÇÈÓÍÎÈÍÍÊØ×ØÓÙÛÈÓÍÎÍÖÊ×ÛÐÌÊÍÌ×ÊÈÃÖÍÊÌÊÍÆÓØÓÎÕ ÌÇÚÐÓÙÓÎÖÊÛÉÈÊÇÙÈÇÊ×ÌÇÚÐÓÙÉÛÖ×ÈÃÍÊÍÈÔ×ÊÌÇÚÐÓÙÉ×ÊÆÓÙ×ÉÎ×Ù×ÉÉÛÊÃÈÍ ÈÔ×Ø×Æ×ÐÍÌÏ×ÎÈèÔ×Ê×ÛÐÌÊÍÌ×ÊÈÃÏÇÉÈÚ×ÈÔ×ÉÇÚÒ×ÙÈÍÖÈÔ×Ø×Æ×ÐÍÌÏ×ÎÈ Ö××É Ùø×Æ×ÐÍÌÏ×ÎÈÖ××ÉÏ×ÛÎÉÖ××ÉÓÏÌÍÉ×ØÈÍÍÖÖÉ×ÈÙÛÌÓÈÛÐÙÍÉÈÉÍÖ ÌÊÍÆÓØÓÎÕÌÇÚÐÓÙÓÎÖÊÛÉÈÊÇÙÈÇÊ×ÌÇÚÐÓÙÉÛÖ×ÈÃÍÊÍÈÔ×ÊÌÇÚÐÓÙÉ×ÊÆÓÙ×ÉÈÍÛ Ø×Æ×ÐÍÌÏ×ÎÈÛÎØÛÇÈÔÍÊÓÂ×ØÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ É×ÙÈÓÍÎ ÍÊ ÈÓÈÐ×Ê×ÕÛÊØÐ×ÉÉÍÖÈÔ×ÒÇÊÓÉØÓÙÈÓÍÎÈÍÅÔÓÙÔÈÔ×Ö××ÉÛÊ×ÌÛÓØ ùíîéèêçùèóíîùíîèêûùèóîõíåî÷êúçóðø÷êéûð÷éíêéì÷ùçðûèóæ÷ úçóðøóîõèô÷éûð÷íöèûîõóúð÷ì÷êéíîûðìêíì÷êèãèíûùíîèêûùèíêíåî÷ê úçóðø÷êíêéì÷ùçðûèóæ÷úçóðø÷êûéø÷öóî÷øóîèô÷ïíø÷ðùóèãèûäùíø÷ ê÷õûêøð÷ééíöåô÷èô÷êèô÷ìêíì÷êèãåóððú÷óîùíêìíêûè÷øóîèíûúçóðøóîõíê éèêçùèçê÷óéùíîéóø÷ê÷øèíú÷ûéûð÷ûèê÷èûóðûîøóééçúò÷ùèèíèûäûèóíî çîø÷êèô÷ê÷èûóðéûð÷éìêíæóéóíîíöèô÷ïíø÷ðùóèãèûäùíø÷çîð÷ééèô÷ ùíîèêûùèíêìêíæóø÷éèíèô÷ê÷èûóð÷êûù÷êèóöóùûè÷èôûèóééóõî÷øúãèô÷íåî÷ê íöèô÷ìêíì÷êèãèíú÷óïìêíæ÷øûîøèôûèéèûè÷éèôûèèô÷ì÷êéíîûðìêíì÷êèã ìçêùôûé÷øúãèô÷ùíîèêûùèíêåóððú÷çé÷øöíêûìçêìíé÷÷ä÷ïìèöêíïèô÷ê÷èûóð ùðûééóöóùûèóíîûéìê÷éùêóú÷øóîèô÷ïíø÷ðùóèãèûäùíø÷óöûì÷êéíîåôíóé óîèô÷úçéóî÷ééíöé÷ððóîõèûîõóúð÷ì÷êéíîûðìêíì÷êèãûèê÷èûóðûðéí÷îõûõ÷é óîúçéóî÷ééûéûùíîèêûùèíêíåî÷êúçóðøóîõíêéì÷ùçðûèóæ÷úçóðø÷êûîø ê÷ïíæ÷éèûîõóúð÷ì÷êéíîûðìêíì÷êèãöêíïê÷èûóðéèíùñöíêçé÷óîùíîèêûùèóîõ íåî÷êúçóðø÷êíêéì÷ùçðûèóæ÷úçóðøóîõûùèóæóèó÷éèô÷ìçêùôûé÷ìêóù÷íöèôûè ì÷êéíîûðìêíì÷êèãóééçúò÷ùèèíçé÷èûä øûÙÓÈÃÈÍÅÎÍÊÍÈÔ×ÊÈÛÄÓÎÕÒÇÊÓÉØÓÙÈÓÍÎÉÔÛÐÐÎÍÈÐ×ÆÃÛ ÈÊÛÎÉÛÙÈÓÍÎÌÊÓÆÓÐ×Õ×ÉÛÐ×ÉÇÉ×ÖÊÛÎÙÔÓÉ×ÍÊÍÈÔ×ÊÉÓÏÓÐÛÊÈÛÄÍÊÖ×× ÔÍÅ×Æ×ÊØ×ÎÍÏÓÎÛÈ×ØÓÎ×ÄÙ×ÉÉÍÖÍÎ×È×ÎÈÔÍÖÍÎ×Ì×ÊÙ×ÎÈÍÖÈÔ×ÆÛÐÇ×ÍÖ ÈÔ××ÎÈÓÊ×ÌÊÍØÇÙÈÏÓÎ×ØÉÏ×ÐÈ×Ø×ÄÈÊÛÙÈ×ØÊ×ÖÓÎ×ØÌÊÍØÇÙ×ØÍÊÌÊ×ÌÛÊ×Ø ÖÍÊÉÛÐ×ÌÊÍÖÓÈÍÊÙÍÏÏ×ÊÙÓÛÐÇÉ×ÍÎÌ×ÊÉÍÎÉ×ÎÕÛÕ×ØÓÎÈÔ×ÚÇÉÓÎ×ÉÉÍÖ ÏÓÎ×ÊÛÐÌÊÍÙ×ÉÉÓÎÕ×ÄÙ×ÌÈÈÍÈÔ××ÄÈ×ÎÈÈÔÛÈÈÔ×ÈÛÄÓÉÙÍÏÌÇÈ×ØÍÎÈÔ× ÕÊÍÉÉÌÊÍÙ××ØÉÍÊÕÊÍÉÉÓÎÙÍÏ×ÖÊÍÏÉÛÐ×ÉÛÈÊ×ÈÛÓÐ Study Session - March 13, 2013 - Page 114 of 125 ôú ÷óÎÙÍÏÌÇÈÓÎÕÈÔ×ÈÛÄÚÛÉ×ÛÎÃÙÓÈÃÈÍÅÎÍÊÍÈÔ×ÊÈÛÄÓÎÕ ÒÇÊÓÉØÓÙÈÓÍÎÉÔÛÐÐÎÍÈÓÎÙÐÇØ×ÓÎÈÔ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉ ÓÎÙÍÏ× ûÏÛÎÇÖÛÙÈÇÊ×ÊÉÙÛÉÔÊ×ÚÛÈ×ÍÎÈÔ×ÉÛÐ×ÉÌÊÓÙ×ÍÖÛÏÍÈÍÊÆ×ÔÓÙÐ× ÓÖÈÔ×ÚÇÃ×ÊÛÉÉÓÕÎÉÈÔ×ÚÇÃ×ÊÉÊÓÕÔÈÓÎÈÔ×Ê×ÚÛÈ×ÈÍÈÔ×Ê×ÈÛÓÐ×Ê èÔ×ÅÛÉÈ×ÈÓÊ×ØÓÉÌÍÉÛÐÖ××ÓÏÌÍÉ×ØÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ öûÙÓÈÃÍÊÈÍÅÎÉÔÛÐÐÎÍÈÐ×ÆÃÛÇÉ×ÈÛÄÍÎÈÔ×ÉÈÍÊÛÕ×ÇÉ×ÍÊ ÙÍÎÉÇÏÌÈÓÍÎÍÖÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÓÎÈÔ×ÙÓÈÃÍÊÈÍÅÎÚÃÛÉÙÔÍÍÐ ØÓÉÈÊÓÙÈÍÊÙÔÛÊÈ×ÊÉÙÔÍÍÐ é×Ù é×ÙÈÓÍÎ ûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÓÉÛÏ×ÎØ×ØÈÍ Ê×ÛØ ûØÏÓÎÓÉÈÊÛÈÓÍÎ ûçÎÐ×ÉÉÈÔ×ÙÍÎÈ×ÄÈÍÈÔ×ÊÅÓÉ×Ê×ËÇÓÊ×ÉÙÔÛÌÈ×ÊÛÊÈÓÙÐ×ÍÖÈÔÓÉ ÈÓÈÐ×ÕÍÆ×ÊÎÉÈÔ×ÛØÏÓÎÓÉÈÊÛÈÓÍÎÍÖÈÔ×ÈÛÄ×ÉÓÏÌÍÉ×ØÚÃÈÔÓÉÛÊÈÓÙÐ××ÄÙ×ÌÈ ÈÔÛÈ ûÉ×ÌÛÊÛÈ×ÐÓÙ×ÎÉ×ÓÉÎÍÈÊ×ËÇÓÊ×ØÖÍÊÈÔ×ÈÛÄ×ÉÓÏÌÍÉ×ØÚÃÈÔÓÉ ÛÊÈÓÙÐ×ÛÎØÈÔ×ÈÛÄ×ÉØÇ×ÇÎØ×ÊÈÔÓÉÛÊÈÓÙÐ×ÉÔÛÐÐÚ×ÓÎÙÐÇØ×ØÊ×ÌÍÊÈ×ØÛÎØ ÌÛÓØÅÓÈÔÈÔ×ÈÊÛÎÉÛÙÈÓÍÎÌÊÓÆÓÐ×Õ×ÈÛÄ ûÉ×ÌÛÊÛÈ×ÚÍÎØÓÉÎÍÈÊ×ËÇÓÊ×ØÍÖ×ÏÌÐÍÃ××ÉÍÖÈÔ×Ø×ÌÛÊÈÏ×ÎÈÓÎ ÛØÏÓÎÓÉÈ×ÊÓÎÕÈÔÓÉÛÊÈÓÙÐ× èÔ×ÈÛÄ×ÉÓÏÌÍÉ×ØÚÃÈÔÓÉÛÊÈÓÙÐ×ÏÛÃÚ×ÓÎÙÐÇØ×ØÅÓÈÔÍÇÈ É×ÕÊ×ÕÛÈÓÍÎÓÎÛÎÃÎÍÈÓÙ×ÛÎØÐÓ×ÎÖÓÐ×ØÖÍÊÇÎÌÛÓØÈÊÛÎÉÛÙÈÓÍÎÌÊÓÆÓÐ×Õ× ÈÛÄ×É úèÔ×ÈÛÄ×ÉÓÏÌÍÉ×ØÌÇÊÉÇÛÎÈÈÍÈÔÓÉÛÊÈÓÙÐ×ØÍÎÍÈÛÌÌÐÃÈÍÈÔ× ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÍÊÕÊÍÉÉÓÎÙÍÏ×Ø×ÊÓÆ×ØÌÇÊÉÇÛÎÈÈÍÙÍÎÈÊÛÙÈÉ×ÎÈ×Ê×Ø ÓÎÈÍÚ×ÖÍÊ×ÈÔ×ØÛÈ×ÍÖÈÔ××Ð×ÙÈÓÍÎÈÍÛÇÈÔÍÊÓÂ×ÈÔ×ÈÛÄÚÃÌÊÓÏ× ÙÍÎÈÊÛÙÈÍÊÉÛÎØÍÅÎ×ÊÚÇÓÐØ×ÊÉÅÔÍÛÊ×ÙÐÛÉÉÓÖÓ×ØÇÎØ×ÊÉ×ÙÈÓÍÎÉ ÛÎØ ÇÎÐ×ÉÉÈÔ×ÙÍÎÈÊÛÙÈÙÍÎÈÛÓÎÉÛÌÊÍÆÓÉÓÍÎÅÔÓÙÔ×ÎÈÓÈÐ×ÉÈÔ× ÙÍÎÈÊÛÙÈÍÊÈÍÊ×ÙÍÆ×ÊÈÔ×ÛÏÍÇÎÈÍÖÈÔ×ÈÛÄÖÊÍÏÛÌÇÊÙÔÛÉ×ÊóÎÍÊØ×ÊÈÍ ËÇÛÐÓÖÃÖÍÊÈÔÓÉ×Ä×ÏÌÈÓÍÎÈÔ×ÙÍÎÈÊÛÙÈÍÊÉÔÛÐÐÌÊÍÆÓØ×ÉÇÖÖÓÙÓ×ÎÈ ØÍÙÇÏ×ÎÈÛÈÓÍÎÓÎÛÏÛÎÎ×ÊÛÎØÖÍÊÏÌÊ×ÉÙÊÓÚ×ØÚÃÈÔ×Ø×ÌÛÊÈÏ×ÎÈÈÍÆ×ÊÓÖÃ ÈÔÛÈÛÙÍÎÈÊÛÙÈÅÛÉ×ÎÈ×Ê×ØÓÎÈÍÚ×ÖÍÊ×ÈÔ×ØÛÈ×ÍÖÈÔ××Ð×ÙÈÓÍÎÈÍÛÇÈÔÍÊÓÂ× ÈÔ×ÈÛÄ é×Ù èÓÈÐ× ÙÔÛÌÈ×ÊÛÊÈÓÙÐ× ûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÓÉ ÛÏ×ÎØ×ØÚÃÛØØÓÎÕÉ×ÙÈÓÍÎ ÈÍÊ×ÛØ ùÍÇÎÈÃÇÉ×ÈÛÄ ûóöûùíçîèãð÷æó÷éíî÷íêïíê÷÷äùóé÷èûä÷éìçêéçûîèèíèôóé ûêèóùð÷íîèô÷÷öö÷ùèóæ÷øûè÷íöèôóéé÷ùèóíîûîøóöûììêíæ÷øúãèô÷ ëçûðóöó÷ø÷ð÷ùèíêéæíèóîõûèûùíçîèãåóø÷÷ð÷ùèóíîûùíçîèãïûãð÷æãûîø óöð÷æó÷øèô÷ø÷ìûêèï÷îèéôûððùíðð÷ùèûî÷äùóé÷èûäíîèô÷éèíêûõ÷çé÷íê ùíîéçïìèóíîóîèô÷ùíçîèãíöèûîõóúð÷ì÷êéíîûðìêíì÷êèãìçêùôûé÷øöêíïû ê÷èûóð÷êûéûì÷êù÷îèûõ÷íöèô÷éûð÷éìêóù÷èô÷èûäð÷æó÷øìçêéçûîèèí èôóééçúé÷ùèóíîéôûððú÷ûèûêûè÷÷ëçûðèíèô÷éçïíöèô÷êûè÷éíöûððèô÷ ÷äùóé÷èûä÷éð÷æó÷øúãèô÷ùíçîèãíîèô÷÷öö÷ùèóæ÷øûè÷íöèôóéé÷ùèóíî Study Session - March 13, 2013 - Page 115 of 125 ôú úóöûöè÷êèô÷÷öö÷ùèóæ÷øûè÷íöèôóéé÷ùèóíîûùíçîèãé÷÷ñéèí ð÷æãûî÷äùóé÷èûäìçêéçûîèèíèôóéûêèóùð÷èô÷ùíçîèãéôûððóîùðçø÷óîèô÷ ð÷æãûî÷äùóé÷èûäûèèô÷éûï÷êûè÷íîèô÷éèíêûõ÷çé÷íêùíîéçïìèóíîóîèô÷ ùíçîèãíöèûîõóúð÷ì÷êéíîûðìêíì÷êèãìçêùôûé÷øöêíïûê÷èûóð÷ê é×Ù é×ÙÈÓÍÎ ûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÓÉÛÏ×ÎØ×ØÈÍ Ê×ÛØ ùÊ×ØÓÈÖÍÊÓÎÙÊ×ÛÉ×Ø×ÄÙÓÉ×ÈÛÄ×ÉÌÛÓØ ûéÇÚÒ×ÙÈÈÍÈÔ×ÙÍÎØÓÈÓÍÎÉÌÊ×ÉÙÊÓÚ×ØÚÃÈÔÓÉÉ×ÙÈÓÍÎÛÎØÓÖ ÛÌÌÊÍÆ×ØÚÃÈÔ×ËÇÛÐÓÖÓ×Ø×Ð×ÙÈÍÊÉÆÍÈÓÎÕÛÈÛÉÈÛÈ×ÅÓØ×Õ×Î×ÊÛÐ×Ð×ÙÈÓÍÎ ÖÍÊÈÛÄèûäûúð÷Ã×ÛÊÉÚ×ÕÓÎÎÓÎÕÖÊÍÏÛÎØÛÖÈ×Êø×Ù×ÏÚ×Ê ÛÙÊ×ØÓÈÓÉ ÛÐÐÍÅ×ØÛÕÛÓÎÉÈÈÔ×ÈÛÄ×ÉÓÏÌÍÉ×ØÚÃÈÔÓÉÙÔÛÌÈ×ÊÖÍÊÛÈÛÄÛÚÐ×Ã×ÛÊÖÍÊÛ ÈÛÄÌÛÃ×ÊÅÔÍÓÉÎÍÈÙÐÛÓÏ×ØÛÉÛØ×Ì×ÎØ×ÎÈÚÃÛÎÃÍÈÔ×ÊÈÛÄÌÛÃ×ÊÛÎØÅÔÍÉ× Ö×Ø×ÊÛÐÛØÒÇÉÈ×ØÕÊÍÉÉÓÎÙÍÏ×ÓÉ èÅ×ÎÈÃÖÓÆ×ÈÔÍÇÉÛÎØØÍÐÐÛÊÉÍÊÐ×ÉÉÖÍÊÛÏÛÊÊÓ×ØÙÍÇÌÐ×ÍÊÛ ÉÓÎÕÐ×Ì×ÊÉÍÎÅÔÍÓÉÛÔ×ÛØÍÖÛÔÍÇÉ×ÔÍÐØ èÅ×ÐÆ×ÈÔÍÇÉÛÎØÖÓÆ×ÔÇÎØÊ×ØØÍÐÐÛÊÉÍÊÐ×ÉÉÖÍÊÛÉÓÎÕÐ×Ì×ÊÉÍÎÍÊ ÛÏÛÊÊÓ×ØÌ×ÊÉÍÎÖÓÐÓÎÕÉ×ÌÛÊÛÈ×ÐÃ úèÔ×ÙÊ×ØÓÈÓÉÙÍÎÉÓØ×Ê×ØÈÍÚ×ÓÎÏÓÈÓÕÛÈÓÍÎÍÖÓÎÙÊ×ÛÉ×ØÈÛÄÊÛÈ×É ÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎõÛÎØÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎ ø÷ ùèÔ×ÛÏÍÇÎÈÍÖÈÔ×ÙÊ×ØÓÈÉÔÛÐÐÎÍÈ×ÄÙ××ØÈÅ×ÎÈÃÖÓÆ×ØÍÐÐÛÊÉÖÍÊ ×ÛÙÔÌ×ÊÉÍÎÅÔÍÓÉÛÊ×ÉÓØ×ÎÈÍÖÈÔÓÉÉÈÛÈ×ÛÎØÖÍÊÅÔÍÏÛÌ×ÊÉÍÎÛÐÍÊ Ø×Ì×ÎØ×ÎÈ×Ä×ÏÌÈÓÍÎÓÉÛÐÐÍÅ×ØÅÓÈÔÊ×ÉÌ×ÙÈÈÍÈÔ×ÈÛÄÌÛÃ×ÊÌÇÊÉÇÛÎÈÈÍ É×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎúÌÛÊÛÕÊÛÌÔÛÎØÉ×ÙÈÓÍÎ ÚÇÈÎÍÈÏÍÊ× ÈÔÛÎÍÎ×ÔÇÎØÊ×ØØÍÐÐÛÊÉÖÍÊÛÐÐÌ×ÊÉÍÎÉÓÎÈÔ×ÈÛÄÌÛÃ×ÊÉÔÍÇÉ×ÔÍÐØÛÉ Ø×ÖÓÎ×ØÓÎÉ×ÙÈÓÍÎ øóÖÈÔ×ÛÐÐÍÅÛÚÐ×ÛÏÍÇÎÈÍÖÈÔ×ÙÊ×ØÓÈ×ÄÙ××ØÉÈÔ×ÓÎÙÍÏ×ÈÛÄ×É ÍÈÔ×ÊÅÓÉ×ØÇ×ÍÎÈÔ×ÙÐÛÓÏÛÎÈÉÓÎÙÍÏ×ÈÔ×ÛÏÍÇÎÈÍÖÈÔ×ÙÐÛÓÏÎÍÈÇÉ×ØÛÉ ÛÎÍÖÖÉ×ÈÛÕÛÓÎÉÈÓÎÙÍÏ×ÈÛÄ×ÉÉÔÛÐÐÚ×ÌÛÓØÓÎÈÔ×ÉÛÏ×ÏÛÎÎ×ÊÛÉÛÊ×ÖÇÎØ ÕÊÛÎÈ×ØÇÎØ×ÊÉ×ÙÈÓÍÎ ê×ÖÇÎØÉÏÛØ×ÌÇÊÉÇÛÎÈÈÍÈÔÓÉÉÇÚÉ×ÙÈÓÍÎÛÊ× ÉÇÚÒ×ÙÈÈÍÉ×ÈÍÖÖÇÎØ×ÊÉ×ÙÈÓÍÎ ÷èÔ×Ø×ÌÛÊÈÏ×ÎÈÉÔÛÐÐÏÛÑ×ÛÆÛÓÐÛÚÐ×ÉÇÓÈÛÚÐ×ÖÍÊÏÉÅÓÈÔ ÓÎÉÈÊÇÙÈÓÍÎÉÖÍÊÙÐÛÓÏÛÎÈÉùÐÛÓÏÛÎÈÉÅÔÍÙ×ÊÈÓÖÃÍÎÈÔ×ÌÊ×ÉÙÊÓÚ×ØÖÍÊÏ ÈÔÛÈÈÔ×ÃÔÛÆ×ÎÍÓÎÙÍÏ×ÈÛÄÐÓÛÚÓÐÓÈÃÖÍÊÈÔ×ÈÛÄÛÚÐ×Ã×ÛÊÛÎØÅÔÍØÍÎÍÈ Ï××ÈÈÔ×ÖÓÐÓÎÕÊ×ËÇÓÊ×Ï×ÎÈÉÍÖÉ×ÙÈÓÍÎ ÛÊ×ÎÍÈÊ×ËÇÓÊ×ØÈÍÖÓÐ×ÛÎ ÓÎØÓÆÓØÇÛÐÓÎÙÍÏ×ÈÛÄÊ×ÈÇÊÎèÔ×ÙÐÛÓÏÉÔÛÐÐÚ×ÓÎÛÖÍÊÏÌÊ×ÉÙÊÓÚ×ØÚÃÈÔ× Ø×ÌÛÊÈÏ×ÎÈ ööÍÊÈÛÄÛÚÐ×Ã×ÛÊÉÚ×ÕÓÎÎÓÎÕÖÊÍÏÛÎØÛÖÈ×Êø×Ù×ÏÚ×Ê Û Ì×ÊÉÍÎÅÔÍÓÉÉ×ÎÈ×ÎÙ×ØÖÍÊÛÈÐ×ÛÉÈÉÓÄÈÃØÛÃÉÍÖÈÔ×ÈÛÄÛÚÐ×Ã×ÛÊÈÍÈÔ× ÙÇÉÈÍØÃÍÖÈÔ×Ö×Ø×ÊÛÐÚÇÊ×ÛÇÍÖÌÊÓÉÍÎÉÈÔ×ÉÈÛÈ×Ø×ÌÛÊÈÏ×ÎÈÍÖÙÍÊÊ×ÙÈÓÍÎÉ ÍÊÛÙÍÇÎÈÃÒÛÓÐÓÉÎÍÈ×ÐÓÕÓÚÐ×ÈÍÙÐÛÓÏÛÙÊ×ØÓÈÌÇÊÉÇÛÎÈÈÍÈÔÓÉÉ×ÙÈÓÍÎ Study Session - March 13, 2013 - Page 116 of 125 ôú é×Ù é×ÙÈÓÍÎ ûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÓÉÛÏ×ÎØ×ØÈÍ Ê×ÛØ óÎÛÚÓÐÓÈÃÈÍÙÍÎÖÍÊÏÏÍÈÍÊÆ×ÔÓÙÐ×ÈÍ×ÄÌÊ×ÉÉ ÅÛÊÊÛÎÈÃÊ×ÌÐÛÙ×Ï×ÎÈÍÖÆ×ÔÓÙÐ×ÍÊÊ×ÖÇÎØÍÖ ÏÍÎÓ×ÉÛÖÖÓÊÏÛÈÓÆ×Ø×Ö×ÎÉ×ÉÈÛÄÊ×ÖÇÎØ ûóÖÈÔ×ÏÛÎÇÖÛÙÈÇÊ×ÊÓÈÉÛÕ×ÎÈÉÍÊÓÈÉÛÇÈÔÍÊÓÂ×ØØ×ÛÐ×ÊÉÛÊ× ÇÎÛÚÐ×ÈÍÙÍÎÖÍÊÏÈÔ×ÏÍÈÍÊÆ×ÔÓÙÐ×ÈÍÛÎÃÛÌÌÐÓÙÛÚÐ××ÄÌÊ×ÉÉÅÛÊÊÛÎÈÃÚÃ Ê×ÌÛÓÊÓÎÕÍÊÙÍÊÊ×ÙÈÓÎÕÛÎÃØ×Ö×ÙÈÍÊÙÍÎØÓÈÓÍÎÅÔÓÙÔèôûèÉÇÚÉÈÛÎÈÓÛÐÐÃ ÓÏÌÛÓÊÉÈÔ×ÇÉ×ÛÎØÆÛÐÇ×ÍÖÈÔ×ÏÍÈÍÊÆ×ÔÓÙÐ×ÈÍÈÔ×ÙÍÎÉÇÏ×ÊÛÖÈ×ÊÛ Ê×ÛÉÍÎÛÚÐ×ÎÇÏÚ×ÊÍÖÛÈÈ×ÏÌÈÉÈÔ×ÏÛÎÇÖÛÙÈÇÊ×ÊÉÔÛÐÐÊ×ÌÐÛÙ×ÈÔ×ÏÍÈÍÊ Æ×ÔÓÙÐ×ÅÓÈÔÛÎ×ÅÏÍÈÍÊÆ×ÔÓÙÐ×ÍÊÛÙÙ×ÌÈÊ×ÈÇÊÎÍÖÈÔ×ÏÍÈÍÊÆ×ÔÓÙÐ×ÖÊÍÏ ÈÔ×ÙÍÎÉÇÏ×ÊÛÎØÊ×ÖÇÎØÈÍÈÔ×ÙÍÎÉÇÏ×ÊÈÔ×ÖÇÐÐÌÇÊÙÔÛÉ×ÌÊÓÙ×ÓÎÙÐÇØÓÎÕ ÛÐÐÙÍÐÐÛÈ×ÊÛÐÙÔÛÊÕ×ÉÐ×ÉÉÛÊ×ÛÉÍÎÛÚÐ×ÛÐÐÍÅÛÎÙ×ÖÍÊÈÔ×ÙÍÎÉÇÏ×ÊÉÇÉ×ÍÖ ÈÔ×Æ×ÔÓÙÐ×èÔ×ÏÛÎÇÖÛÙÈÇÊ×ÊÉÔÛÐÐÏÛÑ×Ê×ÖÇÎØÉÈÍÈÔ×ÙÍÎÉÇÏ×ÊÛÎØ ÐÓ×ÎÔÍÐØ×ÊÓÖÛÎÃÛÉÈÔ×ÓÊÓÎÈ×Ê×ÉÈÉÛÌÌ×ÛÊûÊ×ÛÉÍÎÛÚÐ×ÛÐÐÍÅÛÎÙ×ÖÍÊ ÇÉ×ÓÉÈÔÛÈÛÏÍÇÎÈØÓÊ×ÙÈÐÃÛÈÈÊÓÚÇÈÛÚÐ×ÈÍÇÉ×ÚÃÈÔ×ÙÍÎÉÇÏ×ÊÚ×ÖÍÊ×ÔÓÉ ÖÓÊÉÈÅÊÓÈÈ×ÎÊ×ÌÍÊÈÍÖÈÔ×ÎÍÎÙÍÎÖÍÊÏÓÈÃÈÍÈÔ×ÏÛÎÇÖÛÙÈÇÊ×ÊÛÕ×ÎÈÍÊ Ø×ÛÐ×ÊÛÎØØÇÊÓÎÕÛÎÃÉÇÚÉ×ËÇ×ÎÈÌ×ÊÓÍØÅÔ×ÎÈÔ×Æ×ÔÓÙÐ×ÓÉÎÍÈÍÇÈÍÖ É×ÊÆÓÙ×ÚÃÊ×ÛÉÍÎÍÖÊ×ÌÛÓÊ úóÈÓÉÛÎÛÖÖÓÊÏÛÈÓÆ×Ø×Ö×ÎÉ×ÈÍÛÎÃÙÐÛÓÏÇÎØ×ÊÈÔÓÉÛÊÈÓÙÐ×ÈÔÛÈ ×ÓÈÔ×Ê ûÎÛÐÐ×Õ×ØÎÍÎÙÍÎÖÍÊÏÓÈÃØÍ×ÉÎÍÈÉÇÚÉÈÛÎÈÓÛÐÐÃÓÏÌÛÓÊÈÔ×ÇÉ×ÛÎØ ÏÛÊÑ×ÈÆÛÐÇ×ÍÖÈÔ×ÏÍÈÍÊÆ×ÔÓÙÐ× ûÎÍÎÙÍÎÖÍÊÏÓÈÃÓÉÈÔ×Ê×ÉÇÐÈÍÖÛÚÇÉ×Î×ÕÐ×ÙÈÍÊÇÎÛÇÈÔÍÊÓÂ×Ø ÏÍØÓÖÓÙÛÈÓÍÎÉÍÊÛÐÈ×ÊÛÈÓÍÎÉÍÖÈÔ×ÏÍÈÍÊÆ×ÔÓÙÐ× ùóÎÈÔ×ÙÛÉ×ÍÖÈÛÄ×ÉÌÛÓØÌÇÊÉÇÛÎÈÈÍÈÓÈÐ× ÙÔÛÌÈ×ÊÓÖÈÔ× ÏÛÎÇÖÛÙÈÇÊ×Ê ûÙÙ×ÌÈÉÊ×ÈÇÊÎÍÖÛÏÍÈÍÊÆ×ÔÓÙÐ×ÖÊÍÏÛÙÍÎÉÇÏ×ÊÅÓÈÔÍÇÈÊ×ÌÐÛÙÓÎÕ ÈÔ×ÏÍÈÍÊÆ×ÔÓÙÐ×ÈÔ×ÏÛÎÇÖÛÙÈÇÊ×ÊÉÔÛÐÐÊ×ÖÇÎØÈÔ×ÛÏÍÇÎÈÍÖÈÛÄÛÈÈÊÓÚÇÈ×Ø ÈÍÈÔ×ÉÛÐ×ÍÖÈÔ×Æ×ÔÓÙÐ×ÈÍÈÔÛÈÙÍÎÉÇÏ×Ê ê×ÌÐÛÙ×ÉÛÏÍÈÍÊÆ×ÔÓÙÐ×ÅÓÈÔÛÎ×ÅÏÍÈÍÊÆ×ÔÓÙÐ×ÍÖÐ×ÉÉ×ÊÆÛÐÇ× ÈÔ×ÏÛÎÇÖÛÙÈÇÊ×ÊÉÔÛÐÐÊ×ÖÇÎØÈÔ×ØÓÖÖ×Ê×ÎÙ×Ú×ÈÅ××ÎÈÔ×ÍÊÓÕÓÎÛÐÛÏÍÇÎÈÍÖ ÈÛÄÛÈÈÊÓÚÇÈ×ØÈÍÈÔ×ÉÛÐ×ÍÖÈÔÛÈÆ×ÔÓÙÐ×ÛÎØÈÔ×ÛÏÍÇÎÈÍÖÈÛÄÛÈÈÊÓÚÇÈ×Ø ÈÍÈÔ×ÉÛÐ×ÍÖÈÔ×Ê×ÌÐÛÙ×Ï×ÎÈÆ×ÔÓÙÐ××ÄÙÐÇØÓÎÕÈÔ×ÆÛÐÇ×ÍÖÈÔ×ÏÍÈÍÊ Æ×ÔÓÙÐ×Ú×ÓÎÕÊ×ÌÐÛÙ×Ø ê×ÌÐÛÙ×ÉÛÏÍÈÍÊÆ×ÔÓÙÐ×ÅÓÈÔÛÎ×ÅÏÍÈÍÊÆ×ÔÓÙÐ×ÍÖÕÊ×ÛÈ×ÊÆÛÐÇ× ÈÔ×ÏÛÎÇÖÛÙÈÇÊ×ÊÉÔÛÐÐÙÛÐÙÇÐÛÈ×ÈÔ×ÕÊÍÉÉÌÊÍÙ××ØÉÍÖÉÛÐ×ÉÌÇÊÉÇÛÎÈÈÍ É×ÙÈÓÍÎ øìÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎöÈÔ×ÏÛÎÇÖÛÙÈÇÊ×ÊÏÛÃ ÛÌÌÐÃÈÍÈÔ×Ø×ÌÛÊÈÏ×ÎÈÍÖÊ×Æ×ÎÇ×ÖÍÊÛÊ×ÖÇÎØÖÍÊÈÔ×ÛÏÍÇÎÈÍÖÈÛÄÈÔÛÈ ÈÔ×ÏÛÎÇÖÛÙÈÇÊ×ÊÌÊÍÌ×ÊÐÃÊ×ÖÇÎØÉÈÍÈÔ×ÙÍÎÉÇÏ×Ê Study Session - March 13, 2013 - Page 117 of 125 ôú é×Ù é×ÙÈÓÍÎ ûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÓÉÛÏ×ÎØ×ØÈÍ Ê×ÛØ ÷ÄÙÓÉ×ÈÛÄ ûèÔ×ÚÍÛÊØÍÖØÓÊ×ÙÈÍÊÉÍÖÛØÓÉÈÊÓÙÈÓÎÛÙÍÇÎÈÃÔÛÆÓÎÕÛ ÌÍÌÇÐÛÈÓÍÎÍÖÐ×ÉÉÈÔÛÎÍÎ×ÏÓÐÐÓÍÎÖÓÆ×ÔÇÎØÊ×ØÈÔÍÇÉÛÎØÌ×ÊÉÍÎÉÛÙÙÍÊØÓÎÕ ÈÍÈÔ×ÏÍÉÈÊ×Ù×ÎÈçÎÓÈ×ØéÈÛÈ×ÉØ×Ù×ÎÎÓÛÐÍÊÉÌ×ÙÓÛÐÙ×ÎÉÇÉÏÛÃÚÃ Ê×ÉÍÐÇÈÓÍÎÍÊØ×ÊÈÔ×ÛÌÌÊÍÆÛÐÍÖÛØÓÉÈÊÓÙÈ×ÄÙÓÉ×ÈÛÄÈÍÚ×ÌÐÛÙ×ØÍÎÈÔ× ÚÛÐÐÍÈÍÖÛÎ×Ð×ÙÈÓÍÎÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ óÖÛÏÛÒÍÊÓÈÃÍÖÈÔ× ËÇÛÐÓÖÓ×Ø×Ð×ÙÈÍÊÉÆÍÈÓÎÕÛÈÈÔ××Ð×ÙÈÓÍÎÛÌÌÊÍÆ×ÉÈÔ×ÙÍÇÎÈÃÒÛÓÐØÓÉÈÊÓÙÈ ×ÄÙÓÉ×ÈÛÄÈÔ×ÚÍÛÊØÍÖØÓÊ×ÙÈÍÊÉÏÛÃÚÃÊ×ÉÍÐÇÈÓÍÎÐ×ÆÃÛÎØÓÖÐ×ÆÓ×ØÈÔ× Ø×ÌÛÊÈÏ×ÎÈÍÖÊ×Æ×ÎÇ×ÉÔÛÐÐÙÍÐÐ×ÙÈÛÈÛÄÚ×ÕÓÎÎÓÎÕòÛÎÇÛÊÃÍÊòÇÐÃ ÅÔÓÙÔ×Æ×ÊØÛÈ×ÖÓÊÉÈÍÙÙÇÊÉÛÈÐ×ÛÉÈÈÔÊ××ÏÍÎÈÔÉÛÖÈ×ÊÈÔ×ØÓÉÈÊÓÙÈ Ê×ÉÍÐÇÈÓÍÎÛÌÌÊÍÆÓÎÕÈÔ×ÈÛÄÐ×ÆÃèÔ×ÈÛÄÊÛÈ×ÉÔÛÐÐÚ×ÛÌ×ÊÙ×ÎÈÛÕ×ÍÖÈÔ× ×ÄÙÓÉ×ÈÛÄÊÛÈ×ÌÊ×ÉÙÊÓÚ×ØÚÃÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎûÛÌÌÐÃÓÎÕÈÍ×ÛÙÔ Ì×ÊÉÍÎ×ÎÕÛÕÓÎÕÍÊÙÍÎÈÓÎÇÓÎÕÓÎÈÔ×ØÓÉÈÊÓÙÈÓÎÛÚÇÉÓÎ×ÉÉÈÛÄ×ØÇÎØ×ÊÈÓÈÐ× ÙÔÛÌÈ×ÊÛÊÈÓÙÐ×ÛÎØÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎûÎÍÈÈÍ×ÄÙ××Ø è×ÎÌ×ÊÙ×ÎÈÍÖ×ÛÙÔÊÛÈ×ÌÊ×ÉÙÊÓÚ×ØÚÃÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎ ûÛÎØÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎûÓÎÙÍÇÎÈÓ×ÉÔÛÆÓÎÕÛÌÍÌÇÐÛÈÓÍÎÍÖÖÓÆ× ÔÇÎØÊ×ØÈÔÍÇÉÛÎØÌ×ÊÉÍÎÉÍÊÐ×ÉÉ öÓÆ×Ì×ÊÙ×ÎÈÍÖ×ÛÙÔÊÛÈ×ÌÊ×ÉÙÊÓÚ×ØÚÃÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎûÛÎØÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎûÓÎÙÍÇÎÈÓ×ÉÔÛÆÓÎÕÛ ÌÍÌÇÐÛÈÓÍÎÍÖÏÍÊ×ÈÔÛÎÖÓÆ×ÔÇÎØÊ×ØÈÔÍÇÉÛÎØÌ×ÊÉÍÎÉÚÇÈÐ×ÉÉÈÔÛÎÍÎ× ÏÓÐÐÓÍÎÖÓÆ×ÔÇÎØÊ×ØÈÔÍÇÉÛÎØÌ×ÊÉÍÎÉ úóÖÛØÓÉÈÊÓÙÈÐ×ÆÓ×ÉÛÎ×ÄÙÓÉ×ÈÛÄÇÎØ×ÊÉÇÚÉ×ÙÈÓÍÎûÍÖÈÔÓÉ É×ÙÈÓÍÎÈÔ×ÚÍÛÊØÍÖØÓÊ×ÙÈÍÊÉÚÃÊ×ÉÍÐÇÈÓÍÎÏÛÃ éôûððÛÐÉÍÐ×ÆÃÛÎØÓÖ Ð×ÆÓ×ØÈÔ×Ø×ÌÛÊÈÏ×ÎÈÍÖÊ×Æ×ÎÇ×ÉÔÛÐÐÙÍÐÐ×ÙÈÛÇÉ×ÈÛÄÍÎ×ÛÙÔÊ×ÈÛÓÐ ×Ð×ÙÈÊÓÙÍÊÎÛÈÇÊÛÐÕÛÉÙÇÉÈÍÏ×ÊÇÉÓÎÕÍÊÙÍÎÉÇÏÓÎÕ×Ð×ÙÈÊÓÙÓÈÃÍÊÎÛÈÇÊÛÐ ÕÛÉÓÎÈÔ×ØÓÉÈÊÓÙÈÛÎØÉÇÚÒ×ÙÈÈÍÇÉ×ÈÛÄÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ èÔ× ÇÉ×ÈÛÄÐ×ÆÓ×ØÌÇÊÉÇÛÎÈÈÍÈÔÓÉÉÇÚÉ×ÙÈÓÍÎÉÔÛÐÐÚ×ÛÌÌÐÓ×ØÛÉÛÌ×ÊÙ×ÎÈÛÕ× ÍÖÈÔ×ÇÉ×ÈÛÄÊÛÈ×ÓÏÌÍÉ×ØÚÃÈÓÈÐ× ÙÔÛÌÈ×ÊÛÊÈÓÙÐ××ËÇÛÐÈÍÈÔ× Ì×ÊÙ×ÎÈÛÕ×Ø×È×ÊÏÓÎ×ØÇÎØ×ÊÉÇÚÉ×ÙÈÓÍÎûÌÛÊÛÕÊÛÌÔÍÊ ÍÖÈÔÓÉÉ×ÙÈÓÍÎ ÛÉÛÌÌÐÓÙÛÚÐ×èô÷éèíêûõ÷çé÷íêùíîéçïìèóíîóîèô÷ùíçîèãíöèûîõóúð÷ ì÷êéíîûðìêíì÷êèãìçêùôûé÷øöêíïûê÷èûóð÷êíêçèóðóèãúçéóî÷ééûéû ì÷êù÷îèûõ÷íöèô÷éûð÷éìêóù÷èô÷èûäð÷æó÷øìçêéçûîèèíèôóéìûêûõêûìô éôûððú÷ûèûêûè÷÷ëçûðèíèô÷÷äùóé÷èûäêûè÷çîø÷êéçúé÷ùèóíîûíöèôóé é÷ùèóíîûììðãóîõèíê÷èûóð÷êéûîøçèóðóèãúçéóî÷éé÷éûùùíêøóîõèíèô÷ ê÷éì÷ùèóæ÷ùðûééóöóùûèóíîçîø÷êèóèð÷ ùôûìè÷êûêèóùð÷éûîø öíêèô÷ éûï÷èãì÷íöèêûîéûùèóíîíêúçéóî÷ééûùèóæóèã ùèÔ×ÈÛÄÛÌÌÐÓ×ÉÓÎÚÍÈÔÓÎÙÍÊÌÍÊÛÈ×ØÛÎØÇÎÓÎÙÍÊÌÍÊÛÈ×ØÛÊ×ÛÉÍÖ ÈÔ×ÙÍÇÎÈÃ øûÈÈÔ××ÎØÍÖ×ÛÙÔÏÍÎÈÔÈÔ×ÉÈÛÈ×ÈÊ×ÛÉÇÊ×ÊÉÔÛÐÐÈÊÛÎÉÏÓÈÈÔ×Î×È Ê×Æ×ÎÇ×ÉÙÍÐÐ×ÙÈ×ØÌÇÊÉÇÛÎÈÈÍÈÔÓÉÉ×ÙÈÓÍÎÈÍÈÔ×ØÓÉÈÊÓÙÈÈÊ×ÛÉÇÊ×ÊÅÔÍ ÉÔÛÐÐØ×ÌÍÉÓÈÈÔ×Ê×Æ×ÎÇ×ÉÓÎÈÔ×ÙÍÇÎÈÃÒÛÓÐØÓÉÈÊÓÙÈÕ×Î×ÊÛÐÖÇÎØ Study Session - March 13, 2013 - Page 118 of 125 ôú ÷çÎÐ×ÉÉÈÔ×ÙÍÎÈ×ÄÈÍÈÔ×ÊÅÓÉ×Ê×ËÇÓÊ×É é×ÙÈÓÍÎ ÕÍÆ×ÊÎÉÈÔ×ÛØÏÓÎÓÉÈÊÛÈÓÍÎÍÖÈÔ×ÈÛÄÓÏÌÍÉ×Ø ÌÇÊÉÇÛÎÈÈÍÉÇÚÉ×ÙÈÓÍÎûÍÖÈÔÓÉÉ×ÙÈÓÍÎ èÓÈÐ× ÙÔÛÌÈ×ÊÛÊÈÓÙÐ×ÕÍÆ×ÊÎÉÈÔ×ÛØÏÓÎÓÉÈÊÛÈÓÍÎÍÖÈÔ× ÇÉ×ÈÛÄÓÏÌÍÉ×ØÌÇÊÉÇÛÎÈÈÍÉÇÚÉ×ÙÈÓÍÎúíêöÍÖÈÔÓÉÉ×ÙÈÓÍÎ öóöûøóéèêóùèð÷æó÷éûî÷äùóé÷èûäìçêéçûîèèíéçúé÷ùèóíîûíöèôóé é÷ùèóíîíîèô÷÷öö÷ùèóæ÷øûè÷íöèô÷ûï÷îøï÷îèíöèôóéé÷ùèóíîûîøóö ûììêíæ÷øúãèô÷ëçûðóöó÷ø÷ð÷ùèíêéæíèóîõûèûøóéèêóùèåóø÷÷ð÷ùèóíîû øóéèêóùèïûãð÷æãûîøóöð÷æó÷øèô÷ø÷ìûêèï÷îèéôûððùíðð÷ùèûî÷äùóé÷èûä íîèô÷éèíêûõ÷çé÷íêùíîéçïìèóíîóîèô÷ùíçîèãíöèûîõóúð÷ì÷êéíîûð ìêíì÷êèãìçêùôûé÷øöêíïûê÷èûóð÷êíêçèóðóèãúçéóî÷ééûéûì÷êù÷îèûõ÷íö èô÷éûð÷éìêóù÷èô÷èûäð÷æó÷øìçêéçûîèèíèôóééçúé÷ùèóíîéôûððú÷ûèû êûè÷÷ëçûðèíèô÷êûè÷íöèô÷÷äùóé÷èûäð÷æó÷øìçêéçûîèèíéçúé÷ùèóíîûíö èôóéé÷ùèóíî é×Ù é×ÙÈÓÍÎ ûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÓÉÛÏ×ÎØ×ØÈÍ Ê×ÛØ èÊÛÎÉÛÙÈÓÍÎÌÊÓÆÓÐ×Õ×ÈÛÄÌÊÍÌ×ÊÈÃÈÛÄ ûèÔ×ÚÍÛÊØÍÖØÓÊ×ÙÈÍÊÉÍÖÈÔ×ØÓÉÈÊÓÙÈÚÃÊ×ÉÍÐÇÈÓÍÎÏÛÃÐ×ÆÃÛÎØ ÓÖÐ×ÆÓ×ØÈÔ×Ø×ÌÛÊÈÏ×ÎÈÍÖÊ×Æ×ÎÇ×ÉÔÛÐÐÙÍÐÐ×ÙÈÛÈÊÛÎÉÛÙÈÓÍÎÌÊÓÆÓÐ×Õ× ÈÛÄÌÇÊÉÇÛÎÈÈÍÈÔÓÉÉ×ÙÈÓÍÎÈÍÚ×ÇÉ×ØÛÎØÉÌ×ÎÈÖÍÊÈÔ×ÌÇÊÌÍÉ×ÉØ×ÉÙÊÓÚ×Ø ÓÎÉ×ÙÈÓÍÎ èÔ×ÚÍÛÊØÉÔÛÐÐÉ×ÈÈÔ×ÊÛÈ×ÍÖÈÔ×ÈÛÄÛÈÎÍÈÏÍÊ×ÈÔÛÎ ÈÅÍÌ×ÊÙ×ÎÈÍÖÈÔ×ÈÛÄÊÛÈ×ÈÔÛÈÛÌÌÐÓ×ÉÈÍ×ÛÙÔÚÇÉÓÎ×ÉÉÓÎÈÔ×ØÓÉÈÊÓÙÈ ÈÔÛÈÓÉÉÇÚÒ×ÙÈÈÍÈÛÄÛÈÓÍÎÇÎØ×ÊÈÓÈÐ× ÙÔÛÌÈ×ÊÛÊÈÓÙÐ×èÔ×ÚÍÛÊØ ÉÔÛÐÐÐ×ÆÃÈÔ×ÈÛÄÍÎ×ÛÙÔÌ×ÊÉÍÎ×ÎÕÛÕÓÎÕÓÎÈÔ×ØÓÉÈÊÓÙÈÓÎÛÚÇÉÓÎ×ÉÉ ÈÛÄ×ØÇÎØ×ÊÈÓÈÐ× ÙÔÛÌÈ×ÊÛÊÈÓÙÐ× ú÷ÛÙÔÏÍÎÈÔÈÔ×ÉÈÛÈ×ÈÊ×ÛÉÇÊ×ÊÉÔÛÐÐÊ×ÏÓÈÈÍÈÔ×ØÓÉÈÊÓÙÈ ÈÊ×ÛÉÇÊ×ÊÈÔ×Î×ÈÊ×Æ×ÎÇ×ÉÙÍÐÐ×ÙÈ×ØÇÎØ×ÊÉÇÚÉ×ÙÈÓÍÎéçúé÷ùèóíîéûøûîø÷ ÍÖÈÔÓÉÉ×ÙÈÓÍÎØÇÊÓÎÕÈÔ×É×ÙÍÎØÌÊ×Ù×ØÓÎÕÏÍÎÈÔèÔ×ØÓÉÈÊÓÙÈÈÊ×ÛÉÇÊ×Ê ÉÔÛÐÐØ×ÌÍÉÓÈÈÔ×ÏÍÎÓ×ÉÓÎÈÔ×ÌÇÚÐÓÙÔ×ÛÐÈÔÉ×ÊÆÓÙ×ÉØÓÉÈÊÓÙÈÉÛÙÙÍÇÎÈÉ ÛÎØÉÔÛÐÐÛÙÙÍÇÎÈÖÍÊÛÐÐ×ÄÌ×ÎØÓÈÇÊ×É ùóÎÐÓ×ÇÍÖÛÈÊÛÎÉÛÙÈÓÍÎÌÊÓÆÓÐ×Õ×ÈÛÄÌÇÊÉÇÛÎÈÈÍÉÇÚÉ×ÙÈÓÍÎûÍÖ ÈÔÓÉÉ×ÙÈÓÍÎÈÔ×ÚÍÛÊØÚÃÊ×ÉÍÐÇÈÓÍÎÏÛÃÐ×ÆÃÓÎÈÔ×ÉÛÏ×ÏÛÎÎ×ÊÛÎØÛÈÈÔ× ÉÛÏ×ÈÓÏ×ÛÉÍÈÔ×ÊÙÍÇÎÈÃÉ×ÙÍÎØÛÊÃÌÊÍÌ×ÊÈÃÈÛÄ×ÉÛÊ×Ð×ÆÓ×ØÛÌÇÚÐÓÙÔ×ÛÐÈÔ É×ÊÆÓÙ×ÉØÓÉÈÊÓÙÈÈÛÄèÔ×ÈÛÄÉÔÛÐÐÎÍÈ×ÄÙ××ØÈÅ×ÎÈÃÖÓÆ×Ù×ÎÈÉÌ×ÊÍÎ× ÔÇÎØÊ×ØØÍÐÐÛÊÉÍÖÛÉÉ×ÉÉ×ØÆÛÐÇÛÈÓÍÎÛÎØÉÔÛÐÐÚ×Ð×ÆÓ×ØÍÎÛÐÐÌÊÍÌ×ÊÈÃÓÎ ÈÔ×ÙÍÇÎÈÃÛÎØÍÎÛÐÐÌÊÍÌ×ÊÈÃÅÓÈÔÓÎÓÎÙÍÊÌÍÊÛÈ×ØÙÓÈÓ×ÉÛÎØÈÍÅÎÉÓÎÈÔ× ÙÍÇÎÈÃèÔ×ØÓÉÈÊÓÙÈÉÔÛÐÐØ×ÌÍÉÓÈÛÐÐÏÍÎÓ×ÉÙÍÐÐ×ÙÈ×ØÌÇÊÉÇÛÎÈÈÍÈÔÓÉ ÉÇÚÉ×ÙÈÓÍÎÓÎÛÉ×ÌÛÊÛÈ×ÛÙÙÍÇÎÈÛÎØÉÔÛÐÐÛÙÙÍÇÎÈÖÍÊÛÐÐ×ÄÌ×ÎØÓÈÇÊ×É øóöûøóéèêóùèð÷æó÷éûî÷äùóé÷èûäçîø÷êéçúé÷ùèóíîûíöèôóé é÷ùèóíîèô÷úíûêøíöøóê÷ùèíêéúãê÷éíðçèóíîéôûððûðéíð÷æãûîøóö ð÷æó÷øèô÷ø÷ìûêèï÷îèíöê÷æ÷îç÷éôûððùíðð÷ùèûçé÷èûäíîèô÷éèíêûõ÷ çé÷íêùíîéçïìèóíîóîèô÷ùíçîèãíöèûîõóúð÷ì÷êéíîûðìêíì÷êèãìçêùôûé÷øöêíï ûê÷èûóð÷êûéûì÷êù÷îèûõ÷íöèô÷éûð÷éìêóù÷èô÷èûäð÷æó÷øìçêéçûîèèí èôóééçúé÷ùèóíîéôûððú÷ûèûêûè÷÷ëçûðèíèô÷÷äùóé÷èûäêûè÷çîø÷ê éçúé÷ùèóíîûíöèôóéé÷ùèóíîûììðãóîõèíê÷èûóð÷êéûùùíêøóîõèíèô÷ Study Session - March 13, 2013 - Page 119 of 125 ôú ê÷éì÷ùèóæ÷ùðûééóöóùûèóíîçîø÷êèóèð÷ ùôûìè÷êûêèóùð÷éûîø öíêèô÷ éûï÷èãì÷íöèêûîéûùèóíîíêúçéóî÷ééûùèóæóèã ÷óöûøóéèêóùèð÷æó÷éûî÷äùóé÷èûäìçêéçûîèèíéçúé÷ùèóíîûíöèôóé é÷ùèóíîíîèô÷÷öö÷ùèóæ÷øûè÷íöèô÷ûï÷îøï÷îèíöèôóéé÷ùèóíîûîøóö ûììêíæ÷øúãèô÷ëçûðóöó÷ø÷ð÷ùèíêéæíèóîõûèûøóéèêóùèåóø÷÷ð÷ùèóíîû øóéèêóùèïûãð÷æãûîøóöð÷æó÷øèô÷ø÷ìûêèï÷îèéôûððùíðð÷ùèûî÷äùóé÷èûä íîèô÷éèíêûõ÷çé÷íêùíîéçïìèóíîóîèô÷ùíçîèãíöèûîõóúð÷ì÷êéíîûð ìêíì÷êèãìçêùôûé÷øöêíïûê÷èûóð÷êûéûì÷êù÷îèûõ÷íöèô÷éûð÷éìêóù÷èô÷ èûäð÷æó÷øìçêéçûîèèíèôóééçúé÷ùèóíîéôûððú÷ûèûêûè÷÷ëçûðèíèô÷êûè÷ íöèô÷÷äùóé÷èûäð÷æó÷øìçêéçûîèèíéçúé÷ùèóíîûíöèôóéé÷ùèóíî é×Ù ×ÙÈÓÍÎ ûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÓÉÛÏ×ÎØ×ØÈÍÊ×ÛØ ÷Ä×ÏÌÈÓÍÎÖÊÍÏÌ×ÊÏÓÈÊ×ËÇÓÊ×Ï×ÎÈÉØ×ÖÓÎÓÈÓÍÎ ûîÍÈÅÓÈÔÉÈÛÎØÓÎÕÛÎÃÍÈÔ×ÊÉÈÛÈÇÈ×ÛÌ×ÊÉÍÎÅÔÍÌ×ÊÖÍÊÏÉÛÊ×Ï×ØÓÛÐ ÛÙÈÓÍÎÍÊÛÌÍÊÈÓÍÎÍÖÛÊ×Ï×ØÓÛÐÛÙÈÓÍÎÈÔÛÈÔÛÉÚ××ÎÛÌÌÊÍÆ×ØÚÃÈÔ× Ø×ÌÛÊÈÏ×ÎÈÓÖÈÔÛÈÛÙÈÓÍÎÍÊÌÍÊÈÓÍÎÓÉÙÍÎØÇÙÈ×ØÓÎÙÍÏÌÐÓÛÎÙ×ÅÓÈÔÈÔÓÉ ÛÊÈÓÙÐ×ÓÉÎÍÈÉÇÚÒ×ÙÈÈÍÛÎÃÊ×ËÇÓÊ×Ï×ÎÈÈÍÍÚÈÛÓÎÛÎÃÌ×ÊÏÓÈÍÊÛÌÌÊÍÆÛÐ ÈÔÛÈÏÛÃÍÈÔ×ÊÅÓÉ×Ú×Ê×ËÇÓÊ×ØÚÃÈÔ×Ø×ÌÛÊÈÏ×ÎÈ ú÷ÄÙ×ÌÈÛÉÌÊ×ÉÙÊÓÚ×ØÓÎÉÇÚÉ×ÙÈÓÍÎøÍÖÈÔÓÉÉ×ÙÈÓÍÎÛÌ×ÊÉÍÎÅÔÍ ÙÍÎØÇÙÈÉÛÌÍÊÈÓÍÎÍÖÛÊ×Ï×ØÓÛÐÛÙÈÓÍÎÅÔ×Ê×ÈÔÛÈÌÍÊÈÓÍÎÓÉ×ÎÈÓÊ×ÐÃÍÎ ÉÓÈ×ÛÎØÓÉÙÍÎØÇÙÈ×ØÓÎÙÍÏÌÐÓÛÎÙ×ÅÓÈÔÈÔÓÉÛÊÈÓÙÐ×ÏÛÃÚ××Ä×ÏÌÈ×ØÖÊÍÏÛ Ê×ËÇÓÊ×Ï×ÎÈÈÍÍÚÈÛÓÎÛÎÃÍÈÔ×ÊÉÈÛÈ×ÍÊÐÍÙÛÐÌ×ÊÏÓÈÍÊÛÌÌÊÍÆÛÐÍÈÔ×ÊÈÔÛÎ ÛÎÃÊ×ËÇÓÊ×Ï×ÎÈÍÖÈÓÈÐ×ÛÈÈÔ×ÅÊÓÈÈ×ÎÊ×ËÇ×ÉÈÍÖÈÔ×Ì×ÊÉÍÎÙÍÎØÇÙÈÓÎÕ ÈÔ×Ê×Ï×ØÓÛÐÛÙÈÓÍÎèÔ×ÅÊÓÈÈ×ÎÊ×ËÇ×ÉÈÉÔÛÐÐÓØ×ÎÈÓÖÃÈÔ×ÉÌ×ÙÓÖÓÙÌ×ÊÏÓÈ ÈÍÚ××Ä×ÏÌÈ×ØÛÎØÈÔ×Ê×ÛÉÍÎÉÈÔ××Ä×ÏÌÈÓÍÎÓÉÊ×ËÇ×ÉÈ×ØèÔ×Ì×ÊÏÓÈÏÛÃÚ× ×Ä×ÏÌÈ×ØÓÖÈÔ×ØÓÊ×ÙÈÍÊÖÓÎØÉÚÍÈÔÍÖÈÔ×ÖÍÐÐÍÅÓÎÕ èÔ×Ê×ËÇÓÊ×Ï×ÎÈØÍ×ÉÎÍÈÛÊÓÉ×ÍÇÈÍÖÛÎÃÌ×ÊÏÓÈÍÊÊ×ÕÇÐÛÈÍÊÃ ÌÊÍÕÊÛÏÈÔÛÈÓÉÊ×ËÇÓÊ×ØÌÇÊÉÇÛÎÈÈÍÈÔ×ÐÛÅÉÍÖÈÔ×çÎÓÈ×ØéÈÛÈ×É èÔ×Ê×ËÇÓÊ×Ï×ÎÈÌÊ×É×ÎÈÉÛÉÇÚÉÈÛÎÈÓÛÐÓÏÌ×ØÓÏ×ÎÈÈÍ×ÖÖ×ÙÈÓÆ× Ì×ÊÖÍÊÏÛÎÙ×ÍÖÈÔ×Ê×Ï×ØÓÛÐÛÙÈÓÍÎÉ×Ð×ÙÈ×ØÚÃÈÔ×Ø×ÌÛÊÈÏ×ÎÈ ùèÔ×ØÓÊ×ÙÈÍÊÏÛÃÅÛÓÆ×ÛÎÃÊ×ÕÇÐÛÈÍÊÃÊ×ËÇÓÊ×Ï×ÎÈÛØÍÌÈ×ØÌÇÊÉÇÛÎÈ ÈÍÈÔÓÉÈÓÈÐ×ÅÓÈÔÊ×ÉÌ×ÙÈÈÍÛÉÓÈ×ÍÊÌÍÊÈÓÍÎÍÖÛÉÓÈ×ÛÉÌÛÊÈÍÖÛÊ×ÙÍÊØ ÍÖØ×ÙÓÉÓÍÎÛØÍÌÈ×ØÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ ÖÍÊÈÔÛÈÉÓÈ×ÍÊÌÍÊÈÓÍÎÍÖ ÛÉÓÈ×ÓÖÈÔ×Ê×ÕÇÐÛÈÍÊÃÊ×ËÇÓÊ×Ï×ÎÈÙÍÎÖÐÓÙÈÉÅÓÈÔÈÔ×ÓÏÌÐ×Ï×ÎÈÛÈÓÍÎÍÖÈÔ× É×Ð×ÙÈ×ØÊ×Ï×ØÃÌÊÍÆÓØ×ØÈÔÛÈÈÔ×ÅÛÓÆ×ÊØÍ×ÉÎÍÈÊ×ÉÇÐÈÓÎÛØÆ×ÊÉ×ÓÏÌÛÙÈÉ ÈÍÌÇÚÐÓÙÔ×ÛÐÈÔÍÊÈÔ××ÎÆÓÊÍÎÏ×ÎÈîÍÅÛÓÆ×ÊÏÛÃÚ×ÕÊÛÎÈ×ØÇÎØ×ÊÈÔÓÉ ÉÇÚÉ×ÙÈÓÍÎÓÖÓÈÓÉÌÊÍÔÓÚÓÈ×ØÚÃÖ×Ø×ÊÛÐÐÛÅÍÊÓÖÈÔ×ÅÛÓÆ×ÊÅÍÇÐØ Ò×ÍÌÛÊØÓÂ×ÈÔ×ÙÍÎÈÓÎÇ×ØØ×Ð×ÕÛÈÓÍÎÈÍÈÔ×ÉÈÛÈ×ÍÖÛÇÈÔÍÊÓÈÃÈÍÓÏÌÐ×Ï×ÎÈÛ Ö×Ø×ÊÛÐ×ÎÆÓÊÍÎÏ×ÎÈÛÐÌÊÍÕÊÛÏ øøÓÉÙÔÛÊÕ×ÍÖÅÛÉÈ×ÅÛÈ×ÊÈÍÍÖÖÉÓÈ×ÌÇÚÐÓÙÐÃÍÅÎ×ØÈÊ×ÛÈÏ×ÎÈÅÍÊÑÉ ÛÎØÉ×Å×ÊÉÃÉÈ×ÏÉØÍ×ÉÎÍÈÙÍÎÉÈÓÈÇÈ×ÛÎÛÙÈÓÆÓÈÃÙÍÎØÇÙÈ×Ø×ÎÈÓÊ×ÐÃÍÎÉÓÈ× ÖÍÊÌÇÊÌÍÉ×ÉÍÖÉÇÚÉ×ÙÈÓÍÎúÍÖÈÔÓÉÉ×ÙÈÓÍÎ ÷èÔ×ØÓÊ×ÙÈÍÊÉÔÛÐÐÕÓÆ×ÅÊÓÈÈ×ÎÎÍÈÓÙ×ÍÖÛÎÃÊ×ËÇ×ÉÈÖÍÊ×Ä×ÏÌÈÓÍÎ ÏÛØ×ÌÇÊÉÇÛÎÈÈÍÉÇÚÉ×ÙÈÓÍÎúÍÖÈÔÓÉÉ×ÙÈÓÍÎÈÍÈÔ×Ê×Ï×ØÓÛÐÛÙÈÓÍÎ ÙÍÍÊØÓÎÛÈÍÊØ×ÉÓÕÎÛÈ×ØÌÇÊÉÇÛÎÈÈÍÉÇÚÉ×ÙÈÓÍÎõÍÖÈÔÓÉÉ×ÙÈÓÍÎÚÃÈÔ× ÕÍÆ×ÊÎÏ×ÎÈÛÐ×ÎÈÓÈÃÅÔÍÉ×Ì×ÊÏÓÈÊ×ËÇÓÊ×Ï×ÎÈÉÛÊ×ÈÔ×ÉÇÚÒ×ÙÈÍÖÈÔ× Study Session - March 13, 2013 - Page 120 of 125 ôú Ê×ËÇ×ÉÈú×ÖÍÊ×ÏÛÑÓÎÕÛÎÃÖÓÎØÓÎÕÌÇÊÉÇÛÎÈÈÍÉÇÚÉ×ÙÈÓÍÎúÍÖÈÔÓÉÉ×ÙÈÓÍÎ ÈÔ×ØÓÊ×ÙÈÍÊÍÊÈÔ×ØÓÊ×ÙÈÍÊÉØ×ÉÓÕÎ××ÉÔÛÐÐÏ××ÈÛÎØÙÍÎÖ×ÊÅÓÈÔÈÔ× Ê×Ï×ØÓÛÐÛÙÈÓÍÎÙÍÍÊØÓÎÛÈÍÊÛÎØÈÔ×Ì×ÊÉÍÎÙÍÎØÇÙÈÓÎÕÈÔ×Ê×Ï×ØÓÛÐÛÙÈÓÍÎÈÍ ÓØ×ÎÈÓÖÃÛÐÈ×ÊÎÛÈÓÆ×ÉÈÍ×Ä×ÏÌÈÓÍÎ öûÎÃÖÓÎØÓÎÕÏÛØ×ÚÃÈÔ×ØÓÊ×ÙÈÍÊÌÇÊÉÇÛÎÈÈÍÉÇÚÉ×ÙÈÓÍÎúÍÖÈÔÓÉ É×ÙÈÓÍÎÉÔÛÐÐÚ×ÓÎÅÊÓÈÓÎÕèÔ×ÕÍÆ×ÊÎÏ×ÎÈÛÐ×ÎÈÓÈÃÅÔÍÉ×Ì×ÊÏÓÈ Ê×ËÇÓÊ×Ï×ÎÈÓÉÌÊ××ÏÌÈ×ØÛÉÛÊ×ÉÇÐÈÍÖÉÇÙÔÖÓÎØÓÎÕÓÉÎÍÈÐÓÛÚÐ×ÖÍÊ ÌÊÍÌ×ÊÈÃØÛÏÛÕ×Ì×ÊÉÍÎÛÐÓÎÒÇÊÃØÛÏÛÕ×ÍÊÆÓÍÐÛÈÓÍÎÉÍÖÉÈÛÈ×ÍÊÐÍÙÛÐÐÛÅ Ê×ÉÇÐÈÓÎÕÖÊÍÏÈÔ××Ä×ÏÌÈÓÍÎèÔ×ØÓÊ×ÙÈÍÊÉÔÛÐÐÎÍÈÓÖÃÈÔ×ÛÖÖ×ÙÈ×Ø ÕÍÆ×ÊÎÏ×ÎÈÛÐ×ÎÈÓÈÃÍÖÛÎÃÖÓÎØÓÎÕÏÛØ×ÌÇÊÉÇÛÎÈÈÍÉÇÚÉ×ÙÈÓÍÎúÍÖÈÔÓÉ É×ÙÈÓÍÎûÖÓÎØÓÎÕÍÖÈÔ×ØÓÊ×ÙÈÍÊÏÛØ×ÌÇÊÉÇÛÎÈÈÍÉÇÚÉ×ÙÈÓÍÎúÍÖÈÔÓÉ É×ÙÈÓÍÎÓÉÛÖÓÎÛÐÛØÏÓÎÓÉÈÊÛÈÓÆ×Ø×ÙÓÉÓÍÎÛÉØ×ÖÓÎ×ØÓÎÉ×ÙÈÓÍÎ ÛÎØ ÓÉÉÇÚÒ×ÙÈÈÍÒÇØÓÙÓÛÐÊ×ÆÓ×ÅÌÇÊÉÇÛÎÈÈÍÈÓÈÐ× ÙÔÛÌÈ×ÊÛÊÈÓÙÐ× õ÷ÛÙÔÙÓÈÃÈÍÅÎÛÎØÙÍÇÎÈÃÉÔÛÐÐØ×ÉÓÕÎÛÈ×ÛÊ×Ï×ØÓÛÐÛÙÈÓÍÎ ÙÍÍÊØÓÎÛÈÍÊÅÔÍÉÔÛÐÐÔÛÆ×Ê×ÉÌÍÎÉÓÚÓÐÓÈÃÖÍÊÏÍÎÓÈÍÊÓÎÕÛÎØÖÛÙÓÐÓÈÛÈÓÎÕÛÎÃ Ê×Ï×ØÓÛÐÛÙÈÓÍÎÉÙÍÎØÇÙÈ×ØÅÓÈÔÓÎÓÈÉÒÇÊÓÉØÓÙÈÓÍÎèÔ×Ø×ÉÓÕÎÛÈ×ØÊ×Ï×ØÓÛÐ ÛÙÈÓÍÎÙÍÍÊØÓÎÛÈÍÊÉÔÛÐÐ ê×ÕÇÐÛÊÐÃÙÍÎÉÇÐÈÛÉÎ××Ø×ØÅÓÈÔÈÔ×Ø×ÌÛÊÈÏ×ÎÈÛÎØÈÔ×Ì×ÊÉÍÎ ÙÍÎØÇÙÈÓÎÕÛÊ×Ï×ØÓÛÐÛÙÈÓÍÎÈÔÊÍÇÕÔÍÇÈÈÔ×ØÇÊÛÈÓÍÎÍÖÈÔ×Ê×Ï×ØÓÛÐÛÙÈÓÍÎ ÛÎÙ×ÍÖÌ×ÊÏÓÈÉÛÌÌÊÍÆÛÐÉÍÊÍÈÔ×Ê ÛÇÈÔÍÊÓÂÛÈÓÍÎÉÊ×ËÇÓÊ×ØÚÃÈÔ×ÕÍÆ×ÊÎÏ×ÎÈÛÐ×ÎÈÓÈÃÊ×ÌÊ×É×ÎÈ×ØÚÃÈÔ× Ê×Ï×ØÓÛÐÛÙÈÓÍÎÙÍÍÊØÓÎÛÈÍÊÈÍÖÛÙÓÐÓÈÛÈ×ÈÔ×ÌÊÍÏÌÈÙÍÎØÇÙÈÍÖÛÊ×Ï×ØÓÛÐ ÛÙÈÓÍÎ ìÊÍÆÓØ×ÓÎÖÍÊÏÛÈÓÍÎÈÍÈÔ×Ø×ÌÛÊÈÏ×ÎÈÛÎØÈÔ×Ì×ÊÉÍÎÙÍÎØÇÙÈÓÎÕÈÔ× Ê×Ï×ØÓÛÐÛÙÈÓÍÎÊ×ÕÛÊØÓÎÕÛÌÌÐÓÙÛÚÐ×Ê×ËÇÓÊ×Ï×ÎÈÉÍÖÈÔ×ÕÍÆ×ÊÎÏ×ÎÈÛÐ×ÎÈÓÈÃ Ê×ÌÊ×É×ÎÈ×ØÚÃÈÔ×Ê×Ï×ØÓÛÐÛÙÈÓÍÎÙÍÍÊØÓÎÛÈÍÊÛÎØÈÔ×ÌÍÈ×ÎÈÓÛÐÖÍÊÅÛÓÆ×Ê ÍÖÉÇÙÔÊ×ËÇÓÊ×Ï×ÎÈÉ ôóÎÍÊØ×ÊÈÍ×ÎÙÍÇÊÛÕ×Ê×Ï×ØÓÛÈÓÍÎÛÙÈÓÆÓÈÓ×ÉÇÎØ×ÊÈÔÓÉÛÊÈÓÙÐ×ÛÎØ ÈÍÙÍÎÉ×ÊÆ×ÈÔ×ÖÇÎØÎ×ÓÈÔ×ÊÈÔÓÉÉÈÛÈ×ÎÍÊÛÎÃÙÍÇÎÈÃÈÔÛÈÓÏÌÍÉ×ÉÛÎ ×ÄÙÓÉ×ÍÊÉÓÏÓÐÛÊÈÛÄÈÔÛÈÓÉÐ×ÆÓ×ØÛÈÛÊÛÈ×ÛÌÌÐÓ×ØÛÉÛÌ×ÊÙ×ÎÈÛÕ×ÍÖÈÔ× ÊÛÈ×ÉÍÎ×ÛÙÔÚÇÉÓÎ×ÉÉÙÐÛÉÉÉÇÚÒ×ÙÈÈÍÈÔ×ÈÛÄÓÏÌÍÉ×ØÚÃÈÓÈÐ× ÙÔÛÌÈ×Ê ÛÊÈÓÙÐ×ÏÛÃÓÏÌÍÉ×ÛÈÛÄÍÎÈÔ×ÉÛÐ×ÍÊÌÇÊÙÔÛÉ×ÍÖÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐ ÌÊÍÌ×ÊÈÃÓÎÙÍÊÌÍÊÛÈ×ØÍÊÖÛÚÊÓÙÛÈ×ØÓÎÈÍÛÎÃÊ×ÛÐÌÊÍÌ×ÊÈÃÉÈÊÇÙÈÇÊ× ÌÊÍÒ×ÙÈØ×Æ×ÐÍÌÏ×ÎÈÍÊÓÏÌÊÍÆ×Ï×ÎÈÇÎØ×ÊÛÙÍÎÈÊÛÙÈÉÌ×ÙÓÖÓ×ØÓÎÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎúÌÛÊÛÕÊÛÌÔ óôöÍÊèô÷ÌÇÊÌÍÉ×ÉÍÖÈÔÓÉÉ×ÙÈÓÍÎÍÎÉÓÈ×Ï×ÛÎÉÈÔ×ÛÊ×ÛÐ ×ÄÈ×ÎÈÍÖÙÍÎÈÛÏÓÎÛÈÓÍÎÛÎØÛÐÐÉÇÓÈÛÚÐ×ÛÊ×ÛÉÓÎÙÐÍÉ×ÌÊÍÄÓÏÓÈÃÈÍÈÔ× ÙÍÎÈÛÏÓÎÛÈÓÍÎÈÔÛÈÛÊ×Ê×ÛÉÍÎÛÚÐÃÎ×Ù×ÉÉÛÊÃÖÍÊÓÏÌÐ×Ï×ÎÈÛÈÓÍÎÍÖÈÔ× Ê×Ï×ØÓÛÐÛÙÈÓÍÎ é×Ù ìÊ××ÄÓÉÈÓÎÕÙÍÎÈÊÛÙÈÉÈÛÄ ûèÔÓÉÛÙÈØÍ×ÉÎÍÈÛÌÌÐÃÈÍÍÊÛÖÖ×ÙÈÈÔ×ÈÛÄÐÓÛÚÓÐÓÈÃÅÓÈÔÊ×ÉÌ×ÙÈ ÈÍÙÍÎÈÊÛÙÈÉÈÔÛÈÅ×Ê××ÎÈ×Ê×ØÓÎÈÍÚ×ÖÍÊ×òÛÎÇÛÊÃ ÚÃÛÌ×ÊÉÍÎÅÔÍ ×ÎÕÛÕ×ØÓÎÚÇÉÓÎ×ÉÉÇÎØ×ÊÈÔ×ÌÊÓÏ×ÙÍÎÈÊÛÙÈÓÎÕÙÐÛÉÉÓÖÓÙÛÈÓÍÎÌÇÊÉÇÛÎÈÈÍ É×ÙÈÓÍÎ ûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÍÊÈÔ×ÙÍÎÉÈÊÇÙÈÓÍÎÙÍÎÈÊÛÙÈÓÎÕ Study Session - March 13, 2013 - Page 121 of 125 ôú ÍÅÎ×ÊÚÇÓÐØ×ÊÍÊÉÌ×ÙÇÐÛÈÓÆ×ÚÇÓÐØ×ÊÙÐÛÉÉÓÖÓÙÛÈÓÍÎÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ ÍÊÍÖÈÔ×ÏÍØ×ÐÙÓÈÃÈÛÄÙÍØ× úîÍÈÅÓÈÔÉÈÛÎØÓÎÕÉ×ÙÈÓÍÎ ûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÛÉ ÛÏ×ÎØ×ØÚÃÈÔÓÉÛÙÈÈÔ×ÈÛÄÓÏÌÍÉ×ØÚÃÈÓÈÐ× ÙÔÛÌÈ×ÊÛÊÈÓÙÐ× ûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÓÉÐ×ÆÓ×ØÛÎØÉÔÛÐÐÚ×ÙÍÐÐ×ÙÈ×ØÛÈÛÊÛÈ×ÍÖÖÓÆ× ÛÎØÉÓÄÈ×ÎÈÔÉÌ×ÊÙ×ÎÈÍÖÈÔ×ÈÛÄÚÛÉ×ÛÉØ×È×ÊÏÓÎ×ØÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ ûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÛÉÓÎ×ÖÖ×ÙÈÍÎø×Ù×ÏÚ×Ê Ø×ÊÓÆ×Ø ÌÇÊÉÇÛÎÈÈÍÙÍÎÈÊÛÙÈÉ×ÎÈ×Ê×ØÓÎÈÍÚ×ÖÍÊ×òÛÎÇÛÊÃ ÚÃÌÊÓÏ× ÙÍÎÈÊÛÙÈÍÊÉÅÔÍÅ×Ê×ÉÇÚÒ×ÙÈÈÍÈÛÄÇÎØ×ÊÉ×ÙÈÓÍÎ ûÊÓÂÍÎÛê×ÆÓÉ×Ø éÈÛÈÇÈ×ÉÚ×ÖÍÊ×òÛÎÇÛÊÃ ùìÊÓÏ×ÙÍÎÈÊÛÙÈÍÊÉÉÔÛÐÐÏÛÓÎÈÛÓÎÛÎØÌÊÍÆÓØ×ÈÍÈÔ×Ø×ÌÛÊÈÏ×ÎÈÍÖ Ê×Æ×ÎÇ×ÍÎÊ×ËÇ×ÉÈØÍÙÇÏ×ÎÈÛÈÓÍÎÊ×ÕÛÊØÓÎÕÌÛÃÏ×ÎÈÉÊ×Ù×ÓÆ×ØÓÎÉÛÈÓÉÖÛÙÈÓÍÎ ÍÖÙÍÎÈÊÛÙÈÉÈÔÛÈÛÊ×ÉÇÚÒ×ÙÈÈÍÈÛÄÛÈÓÍÎÇÎØ×ÊÈÔÓÉÉ×ÙÈÓÍÎ øèÅ×ÎÈÃÌ×ÊÙ×ÎÈÍÖÈÔ×ÈÛÄÊ×Æ×ÎÇ×ÉÙÍÐÐ×ÙÈ×ØÌÇÊÉÇÛÎÈÈÍÈÔÓÉ É×ÙÈÓÍÎÓÉØ×ÉÓÕÎÛÈ×ØÛÉØÓÉÈÊÓÚÇÈÓÍÎÚÛÉ×ÖÍÊÌÇÊÌÍÉ×ÉÍÖÉ×ÙÈÓÍÎ ûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×É ÷îÍÈÅÓÈÔÉÈÛÎØÓÎÕÉ×ÙÈÓÍÎ ûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÛÉ ÛÏ×ÎØ×ØÚÃÈÔÓÉÛÙÈÈÔ×ÏÇÎÓÙÓÌÛÐÌÊÓÆÓÐ×Õ×ÈÛÄÓÏÌÍÉ×ØÚÃÛÎÓÎÙÍÊÌÍÊÛÈ×Ø ÙÓÈÃÍÊÈÍÅÎÓÉÐ×ÆÓ×ØÛÎØÉÔÛÐÐÚ×ÙÍÐÐ×ÙÈ×ØÛÈÈÔ×ÊÛÈ×ÓÎ×ÖÖ×ÙÈÍÎ ø×Ù×ÏÚ×Ê ÛÉØ×È×ÊÏÓÎ×ØÌÇÊÉÇÛÎÈÈÍÈÔ×ÏÍØ×ÐÙÓÈÃÈÛÄÙÍØ×Ø×ÊÓÆ×Ø ÌÇÊÉÇÛÎÈÈÍÙÍÎÈÊÛÙÈÉ×ÎÈ×Ê×ØÓÎÈÍÚ×ÖÍÊ×òÛÎÇÛÊÃ ÚÃÙÍÎÉÈÊÇÙÈÓÍÎ ÙÍÎÈÊÛÙÈÍÊÉÍÅÎ×ÊÚÇÓÐØ×ÊÉÛÎØÉÌ×ÙÇÐÛÈÓÆ×ÚÇÓÐØ×ÊÉÈÔÛÈÅ×Ê×ÉÇÚÒ×ÙÈÈÍÈÛÄ ÇÎØ×ÊÉ×ÙÈÓÍÎÍÊÍÖÈÔ×ÏÍØ×ÐÙÓÈÃÈÛÄÙÍØ×Ú×ÖÍÊ×òÛÎÇÛÊÃ ÇÎÐ×ÉÉÈÔ×ÙÍÎÈÊÛÙÈØÍ×ÉÎÍÈÙÍÎÈÛÓÎÛÌÊÍÆÓÉÓÍÎÈÔÛÈ×ÎÈÓÈÐ×ÉÈÔ× ÈÛÄÌÛÃ×ÊÈÍÊ×ÙÍÆ×ÊÈÔ×ÛÏÍÇÎÈÍÖÈÔ×ÈÛÄèÔ×ÈÛÄÌÛÃ×ÊÓÉÊ×ËÇÓÊ×ØÈÍ ÌÊÍÆÓØ×ÉÇÖÖÓÙÓ×ÎÈØÍÙÇÏ×ÎÈÛÈÓÍÎÈÍÈÔ×Ø×ÌÛÊÈÏ×ÎÈÍÖÊ×Æ×ÎÇ× öèÔ×ÈÛÄ×ÉÓÏÌÍÉ×ØÌÇÊÉÇÛÎÈÈÍÈÓÈÐ× ÙÔÛÌÈ×ÊÛÊÈÓÙÐ× ûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÛÌÌÐÃÈÍÈÔ×ÈÛÄÚÛÉ×ÛÉØ×È×ÊÏÓÎ×ØÌÇÊÉÇÛÎÈÈÍ É×ÙÈÓÍÎÉ ÛÎØ ûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÛÉÓÎ×ÖÖ×ÙÈÍÎ ø×Ù×ÏÚ×Ê Ø×ÊÓÆ×ØÌÇÊÉÇÛÎÈÈÍÙÍÎÈÊÛÙÈÉ×ÎÈ×Ê×ØÓÎÈÍÛÖÈ×ÊÈÔ×ØÛÈ× ÍÖÈÔ××Ð×ÙÈÓÍÎÈÍÛÇÈÔÍÊÓÂ×ÈÔ×ÈÛÄÛÎØÚ×ÖÍÊ×òÛÎÇÛÊÃ ÚÃÌÊÓÏ× ÙÍÎÈÊÛÙÈÍÊÉÛÎØÍÅÎ×ÊÚÇÓÐØ×ÊÉÅÔÍ×ÎÕÛÕ×ØÓÎÚÇÉÓÎ×ÉÉÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎÉ ÛÎØ ÓÎÈÍÚ×ÖÍÊ× ÈÔ×ØÛÈ×ÍÖÈÔ××Ð×ÙÈÓÍÎÈÍÛÇÈÔÍÊÓÂ×ÈÔ×ÈÛÄÚÃÌÊÓÏ×ÙÍÎÈÊÛÙÈÍÊÉÛÎØÍÅÎ×Ê ÚÇÓÐØ×ÊÉÅÔÍ×ÎÕÛÕ×ØÓÎÚÇÉÓÎ×ÉÉÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎÉ ÛÎØ ûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÛÊ×ÈÛÄÛÚÐ×ÌÇÊÉÇÛÎÈÈÍÈÓÈÐ× ÙÔÛÌÈ×Ê ÛÊÈÓÙÐ× ûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÍÎÈÔ×ÈÛÄÚÛÉ×ÛÉØ×È×ÊÏÓÎ×ØÌÇÊÉÇÛÎÈ ÈÍÉ×ÙÈÓÍÎÉ ÛÎØ ûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÛÉÓÎ×ÖÖ×ÙÈÍÎ ø×Ù×ÏÚ×Ê ÇÎÐ×ÉÉÈÔ×ÙÍÎÈÊÛÙÈØÍ×ÉÎÍÈÙÍÎÈÛÓÎÛÌÊÍÆÓÉÓÍÎÈÔÛÈ ×ÎÈÓÈÐ×ÉÈÔ×ÈÛÄÌÛÃ×ÊÈÍÊ×ÙÍÆ×ÊÈÔ×ÛÏÍÇÎÈÍÖÈÔ×ÈÛÄÖÊÍÏÛÌÇÊÙÔÛÉ×ÊèÔ× ÈÛÄÌÛÃ×ÊÓÉÊ×ËÇÓÊ×ØÈÍÌÊÍÆÓØ×ÉÇÖÖÓÙÓ×ÎÈØÍÙÇÏ×ÎÈÛÈÓÍÎÈÍÈÔ×Ø×ÌÛÊÈÏ×ÎÈÍÖ Ê×Æ×ÎÇ× õçÎÐ×ÉÉÈÔ×ÙÍÎÈ×ÄÈÍÈÔ×ÊÅÓÉ×Ê×ËÇÓÊ×ÉÈÓÈÐ× ÙÔÛÌÈ×ÊÛÊÈÓÙÐ× ûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÕÍÆ×ÊÎÉÈÔ×ÛØÏÓÎÓÉÈÊÛÈÓÍÎÍÖÈÔ×ÈÛÄÓÏÌÍÉ×ØÚÃ ÈÔÓÉÉ×ÙÈÓÍÎ Study Session - March 13, 2013 - Page 122 of 125 ôú é×Ù ìÊ××ÄÓÉÈÓÎÕÈÛÄ×Ä×ÏÌÈÙÍÎÈÊÛÙÈÉ ûöÊÍÏÛÎØÛÖÈ×Êø×Ù×ÏÚ×Ê ÈÔ×ÉÛÐ×ÍÖÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐ ÌÊÍÌ×ÊÈÃÈÍÛÙÍÎÈÊÛÙÈÍÊÖÍÊÓÎÙÍÊÌÍÊÛÈÓÍÎÍÊÖÛÚÊÓÙÛÈÓÍÎÌÇÊÉÇÛÎÈÈÍÛ ÙÍÎÈÊÛÙÈ×ÎÈ×Ê×ØÓÎÈÍÚ×ÖÍÊ×òÛÎÇÛÊÃ ÓÎÈÍÛÎÃÌÊÍÒ×ÙÈÈÔÛÈÅÛÉ ÉÇÚÒ×ÙÈÈÍÛØ×ØÇÙÈÓÍÎÇÎØ×ÊÉ×ÙÈÓÍÎ ÉÇÚÉ×ÙÈÓÍÎúûÊÓÂÍÎÛê×ÆÓÉ×Ø éÈÛÈÇÈ×ÉÛÉÓÎ×ÖÖ×ÙÈÍÎø×Ù×ÏÚ×Ê ÓÉÎÍÈÉÇÚÒ×ÙÈÈÍÈÛÄÇÎØ×Ê É×ÙÈÓÍÎ ûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×É úöÊÍÏÛÎØÛÖÈ×Êø×Ù×ÏÚ×Ê ÈÔ×ÉÛÐ×ÍÖÈÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐ ÌÊÍÌ×ÊÈÃÈÍÛÙÍÎÉÈÊÇÙÈÓÍÎÙÍÎÈÊÛÙÈÍÊÍÅÎ×ÊÚÇÓÐØ×ÊÍÊÉÌ×ÙÇÐÛÈÓÆ×ÚÇÓÐØ×Ê ÖÍÊÓÎÙÍÊÌÍÊÛÈÓÍÎÍÊÖÛÚÊÓÙÛÈÓÍÎÌÇÊÉÇÛÎÈÈÍÛÙÍÎÈÊÛÙÈ×ÎÈ×Ê×ØÓÎÈÍÚ×ÖÍÊ× òÛÎÇÛÊÃ ÓÎÈÍÛÎÃÌÊÍÒ×ÙÈÈÔÛÈÅÛÉÉÇÚÒ×ÙÈÈÍÛØ×ØÇÙÈÓÍÎÇÎØ×Ê É×ÙÈÓÍÎÚÙÍÊ ÍÊÙÍÊ ÍÖÈÔ×ÏÍØ×ÐÙÓÈÃÈÛÄÙÍØ×ÛÉ ÓÎ×ÖÖ×ÙÈÍÎø×Ù×ÏÚ×Ê ÓÉÎÍÈÉÇÚÒ×ÙÈÈÍÈÛÄÇÎØ×ÊÉ×ÙÈÓÍÎ ÍÖ ÈÔ×ÏÍØ×ÐÙÓÈÃÈÛÄÙÍØ× é×Ù çÉ×ÈÛÄ ûèÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÈÔÛÈÅÛÉÌÇÊÙÔÛÉ×ØÚ×ÖÍÊ×òÛÎÇÛÊÃ ÚÃÛÌ×ÊÉÍÎÅÔÍ×ÎÕÛÕ×ØÓÎÚÇÉÓÎ×ÉÉÇÎØ×ÊÈÔ×ÌÊÓÏ×ÙÍÎÈÊÛÙÈÓÎÕ ÙÐÛÉÉÓÖÓÙÛÈÓÍÎÍÊÅÔÍÌ×ÊÖÍÊÏ×ØÙÍÎÈÊÛÙÈÓÎÕÉ×ÊÆÓÙ×ÉÅÓÈÔÓÎÈÔ×ÙÍÎÈÊÍÐÍÖÛ ÌÊÓÏ×ÙÍÎÈÊÛÙÈÍÊÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ ûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÛÎØ ÈÔÛÈÅÛÉÎÍÈÓÎÙÍÊÌÍÊÛÈ×ØÓÎÈÍÛÌÊÍÒ×ÙÈÖÍÊÅÔÓÙÔÈÔ×ÙÍÎÈÊÛÙÈÅÛÉ×ÎÈ×Ê×Ø ÓÎÈÍÚ×ÖÍÊ×òÛÎÇÛÊÃ ÓÉÉÇÚÒ×ÙÈÈÍÇÉ×ÈÛÄÛÈÓÍÎÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ ûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×É úèÛÎÕÓÚÐ×Ì×ÊÉÍÎÛÐÌÊÍÌ×ÊÈÃÈÔÛÈÅÛÉÌÇÊÙÔÛÉ×ØÚ×ÖÍÊ×òÛÎÇÛÊÃ ÚÃÛÌ×ÊÉÍÎÅÔÍ×ÎÕÛÕ×ØÓÎÚÇÉÓÎ×ÉÉÇÎØ×ÊÈÔ×ÙÍÎÉÈÊÇÙÈÓÍÎÙÍÎÈÊÛÙÈÓÎÕ ÍÅÎ×ÊÚÇÓÐØ×ÊÍÊÉÌ×ÙÇÐÛÈÓÆ×ÚÇÓÐØ×ÊÙÐÛÉÉÓÖÓÙÛÈÓÍÎÍÊÅÔÍÌ×ÊÖÍÊÏ×Ø ÙÍÎÈÊÛÙÈÓÎÕÉ×ÊÆÓÙ×ÉÅÓÈÔÓÎÈÔ×ÙÍÎÈÊÍÐÍÖÛÙÍÎÉÈÊÇÙÈÓÍÎÙÍÎÈÊÛÙÈÍÊÍÅÎ×Ê ÚÇÓÐØ×ÊÍÊÉÌ×ÙÇÐÛÈÓÆ×ÚÇÓÐØ×ÊÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎÍÊÍÖÈÔ× ÏÍØ×ÐÙÓÈÃÈÛÄÙÍØ×ÛÎØÈÔÛÈÅÛÉÎÍÈÓÎÙÍÊÌÍÊÛÈ×ØÓÎÈÍÛÌÊÍÒ×ÙÈÖÍÊÅÔÓÙÔ ÈÔ×ÙÍÎÈÊÛÙÈÅÛÉ×ÎÈ×Ê×ØÓÎÈÍÚ×ÖÍÊ×òÛÎÇÛÊÃ ÓÉÉÇÚÒ×ÙÈÈÍÇÉ× ÈÛÄÛÈÓÍÎÇÎØ×ÊÈÔ×ÏÍØ×ÐÙÓÈÃÈÛÄÙÍØ× é×Ù ø×ÌÛÊÈÏ×ÎÈÍÖÊ×Æ×ÎÇ××Ï×ÊÕ×ÎÙÃÊÇÐ×ÏÛÑÓÎÕ èÔ×Ø×ÌÛÊÈÏ×ÎÈÍÖÊ×Æ×ÎÇ×ÏÛÃÛØÍÌÈ×Ï×ÊÕ×ÎÙÃÊÇÐ×ÉÌÇÊÉÇÛÎÈÈÍÉ×ÙÈÓÍÎ ûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÛÉÎ×Ù×ÉÉÛÊÃÈÍÛØÏÓÎÓÉÈ×ÊÈÔÓÉÛÙÈ é×Ù ÷ÖÖ×ÙÈÓÆ×ØÛÈ×É ûé×ÙÈÓÍÎÉ ÛÎØ ÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÛÉÛØØ×ØÚÃ ÈÔÓÉÛÙÈÛÎØÉ×ÙÈÓÍÎÉ ÛÎØ ûÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÛÉ ÛÏ×ÎØ×ØÚÃÈÔÓÉÛÙÈÛÊ××ÖÖ×ÙÈÓÆ×ÖÊÍÏÛÎØÛÖÈ×Êø×Ù×ÏÚ×Ê úé×ÙÈÓÍÎÉ ÛÎØ ÊÓÂÍÎÛê×ÆÓÉ×ØéÈÛÈÇÈ×ÉÛÉÛÏ×ÎØ×Ø ÚÃÈÔÓÉÛÙÈÛÊ××ÖÖ×ÙÈÓÆ×ÖÊÍÏÛÎØÛÖÈ×Êø×Ù×ÏÚ×Ê Study Session - March 13, 2013 - Page 123 of 125 öÓÖÈÃÖÓÊÉÈð×ÕÓÉÐÛÈÇÊ× öÓÊÉÈê×ÕÇÐÛÊé×ÉÉÓÍÎ ùíïïóèè÷÷íîåûãéûîøï÷ûîé ôíçé÷íöê÷ìê÷é÷îèûèóæ÷éûï÷îøï÷îèéèíôú ê×Ö×Ê×ÎÙ×ÈÍÌÊÓÎÈ×ØÚÓÐÐ ìÛÕ×ÐÓÎ× ÷äù÷ìèûéìêíæóø÷øóîéçúé÷ùèóíîïíöèôóé é÷ùèóíî ìÛÕ× ÛÖÈ×ÊÐÓÎ×ÓÎÉ×ÊÈ ðèô÷ø÷ìûêèï÷îèéôûððùûðùçðûè÷ûîûðè÷êîûèóæ÷ê÷èûóðøóéèêóúçèóíî ûïíçîèûéöíððíåé öíêèô÷ø÷è÷êïóîûèóíîíöèô÷ûðè÷êîûèóæ÷ê÷èûóðøóéèêóúçèóíîûïíçîè óî Û ø÷è÷êïóî÷èô÷ûïíçîèíöèô÷èûä÷éùíðð÷ùè÷øìçêéçûîèèí é÷ùèóíî éçúé÷ùèóíîûöêíïúçéóî÷éé÷éóîèô÷ìêóï÷ùíîèêûùèóîõ ùðûééóöóùûèóíîóîöóéùûðã÷ûê øóæóø÷èôóéûïíçîèúã ûîø ïçðèóìðãèôóéëçíèó÷îèúã èôóéìêíøçùèóéèô÷ìêóï÷ùíîèêûùèóîõ öûùèíê Ú ûîø÷æ÷êãéçúé÷ëç÷îèã÷ûêïçðèóìðãèô÷ìêóï÷ùíîèêûùèóîõ öûùèíêø÷è÷êïóî÷øöíêèô÷ìêóíêã÷ûêúãíî÷ìðçéèô÷ì÷êù÷îèûõ÷ùôûîõ÷óîî÷å ùíîéèêçùèóíîóîèôóééèûè÷öêíïèô÷é÷ùíîøìêóíêæûðçûèóíîã÷ûêèíèô÷ æûðçûèóíîã÷ûêú÷öíê÷èô÷ã÷ûêóîåôóùôøóéèêóúçèóíîéûê÷èíú÷ïûø÷ìçêéçûîè èíéçúé÷ùèóíîïíöèôóéé÷ùèóíî öíêèô÷ø÷è÷êïóîûèóíîíöèô÷ûðè÷êîûèóæ÷ê÷èûóðøóéèêóúçèóíîûïíçîè óî Û ø÷è÷êïóî÷èô÷ûïíçîèíöèô÷èûä÷éùíðð÷ùè÷øìçêéçûîèèí é÷ùèóíî éçúé÷ùèóíîûöêíïúçéóî÷éé÷éóîèô÷ê÷èûóðùðûééóöóùûèóíîóî öóéùûðã÷ûê ûîøûøøèô÷ìêóï÷ùíîèêûùèóîõöûùèíêø÷è÷êïóî÷øóî ìûêûõêûìôéçúøóæóéóíîÛíöèôóééçúé÷ùèóíî Ú ûîø÷æ÷êãéçúé÷ëç÷îèã÷ûêø÷è÷êïóî÷èô÷ûïíçîèíöèûä÷é ùíðð÷ùè÷øìçêéçûîèèíé÷ùèóíî éçúé÷ùèóíîûöêíïúçéóî÷éé÷éóîèô÷ ê÷èûóðùðûééóöóùûèóíîóîèô÷ìêóíêöóéùûðã÷ûê óî øóæóø÷èô÷ìêóï÷ùíîèêûùèóîõöûùèíêø÷è÷êïóî÷øóî ìûêûõêûìôéçúøóæóéóíîÛíöèôóééçúé÷ùèóíîúãèô÷éçïø÷è÷êïóî÷øóî ìûêûõêûìô éçúøóæóéóíîÛíöèôóééçúé÷ùèóíîóî ûîø÷æ÷êã éçúé÷ëç÷îèã÷ûêøóæóø÷èô÷ìêóï÷ùíîèêûùèóîõöûùèíêø÷è÷êïóî÷øóîìûêûõêûìô éçúøóæóéóíîÚíöèôóééçúé÷ùèóíîúãèô÷ûïíçîèø÷è÷êïóî÷øóîìûêûõêûìô éçúøóæóéóíîÚíöèôóééçúé÷ùèóíîèôóéëçíèó÷îèóéèô÷øóéèêóúçèóíî öûùèíê ïçðèóìðãèô÷øóéèêóúçèóíîöûùèíêø÷è÷êïóî÷øóîìûêûõêûìô íöèôóé éçúé÷ùèóíîúãèô÷ûïíçîèíöïíîó÷éø÷éóõîûè÷øûéøóéèêóúçèóíîúûé÷ø÷êóæ÷ø Study Session - March 13, 2013 - Page 124 of 125 ôÍÇÉ×ûÏ×ÎØÏ×ÎÈÉÈÍôú öêíïúçéóî÷éé÷éóîèô÷ê÷èûóðùðûééóöóùûèóíîöíêèô÷ïíîèôðãøóéèêóúçèóíî ì÷êóíøèôóéìêíøçùèóéèô÷ûðè÷êîûèóæ÷ê÷èûóðøóéèêóúçèóíîûïíçîèåôóùô éôûððú÷øóéèêóúçè÷øìçêéçûîèèíéçúé÷ùèóíîïíöèôóéé÷ùèóíî ïöêíïèô÷ûðè÷êîûèóæ÷ê÷èûóðøóéèêóúçèóíîûïíçîèèô÷ø÷ìûêèï÷îè éôûðð ìûãèå÷îèãöóæ÷ì÷êù÷îèèíóîùíêìíêûè÷øïçîóùóìûðóèó÷éóîèôóé éèûè÷óîèô÷ìêíìíêèóíîèôûèèô÷î÷åùíîéèêçùèóíîóîûïçîóùóìûðóèãóîèô÷ ìêóíêæûðçûèóíîã÷ûêú÷ûêéèíèô÷èíèûðî÷åùíîéèêçùèóíîóîûððèô÷ ïçîóùóìûðóèó÷éöíêèô÷ìêóíêæûðçûèóíîã÷ûêèíú÷çé÷øúãèô÷ïçîóùóìûðóèó÷é öíêûîãïçîóùóìûðìçêìíé÷ ìûã ì÷êù÷îèèíùíçîèó÷éóîèôóééèûè÷óîèô÷ìêíìíêèóíîèôûè èô÷î÷åùíîéèêçùèóíîóîûùíçîèãóîèô÷ìêóíêæûðçûèóíîã÷ûêú÷ûêéèíèô÷ èíèûðî÷åùíîéèêçùèóíîóîûððèô÷ùíçîèó÷éöíêèô÷ìêóíêæûðçûèóíîã÷ûê ìûãèô÷ê÷ïûóîø÷êíöèô÷ïíîó÷éûéìê÷éùêóú÷øóîéçúé÷ùèóíîø ìûêûõêûìôíöèôóéé÷ùèóíî ê×Ð×ÈÈ×ÊÈÍÙÍÎÖÍÊÏ ìÛÕ×Ú×ÈÅ××ÎÐÓÎ×ÉÛÎØÓÎÉ×ÊÈ èô÷éûð÷íöûïíèíêæ÷ôóùð÷èí÷óèô÷êíöèô÷öíððíåóîõ Ûûîíîê÷éóø÷îèíöèôóééèûè÷óöèô÷îíîê÷éóø÷îèééèûè÷íö ê÷éóø÷îù÷øí÷éîíèûððíåûùíêê÷éìíîøóîõçé÷èûä÷ä÷ïìèóíîèíèô÷èûäóïìíé÷ø íîê÷èûóðéûð÷éúãèô÷ïíø÷ðùóèãèûäùíø÷ûîøóöèô÷îíîê÷éóø÷îèôûéé÷ùçê÷ø ûéì÷ùóûðîóî÷èãøûãîíîê÷éóø÷îèê÷õóéèêûèóíîì÷êïóèöíêèô÷æ÷ôóùð÷ûé ìê÷éùêóú÷øóîé÷ùèóíîé ûîø Úûî÷îêíðð÷øï÷ïú÷êíöûîóîøóûîèêóú÷åôíê÷éóø÷éíîèô÷óîøóûî ê÷é÷êæûèóíî÷éèûúðóéô÷øöíêèôûèèêóú÷ ê×ÎÇÏÚ×ÊÈÍÙÍÎÖÍÊÏ ûÏ×ÎØÈÓÈÐ×ÈÍÙÍÎÖÍÊÏ ÛÎØÛÉÉÍÛÏ×ÎØ×ØÓÈØÍÌÛÉÉ ø÷úúó÷ð÷éñí ùÔÛÓÊÏÛÎ ÅÏ ÒÏØÍÙ ôÐÛ× ìï ùÑÙÚ Study Session - March 13, 2013 - Page 125 of 125