Adam McCann
Gift cards are now firmly entrenched as the most popular type of holiday present as well as a go-to gift for most other special occasions. They are also shedding their reputation as an impersonal present, thanks to increased customization and the rise of social gifting. But increased sales and changing consumer perceptions are only the tip of the iceberg as far as the future of the gift card market is concerned.
kAm*@F 42? FD6 E96 :?7@C>2E:@? 2?5 DE2E:DE:4D 36=@H E@ =62C? >@C6 23@FE E96 4FCC6?E 8:7E 42C5 >2C<6E[ 2D H6== 2D 9@H E96 >2C<6E 6G@=G65 2?5 H96C6 :EVD 962565]k^Am
kAmk2 ?2>6lQ4@?E6?EDQ :5lQ4@?E6?EDQmk^2mk^Am
People are also reading…
- Work on Exit 39 truck stop expected to move more quickly now
- New attorney is representing Wolfe as case moves forward
- Top Smyth DAR essay wins state competition
- Royal Oak DAR names 3 high school seniors as Good Citizens
- Chilhowie switches to biodegradable bags for yard waste
- Chilhowie man faces multiple charges in domestic violence incident
- Virginia football QB Chandler Morris denied preliminary injunction in pursuit of 7th year
- $1M goal for Smyth County HealthTrust scholarship fund is near
- Trump issues an expletive-filled threat against Iran as details of US aviator's rescue emerge
- Smyth supervisors say collective bargaining bills could cost county millions
- E&H School of Health Sciences is seeing student population growth
- Smyth supervisor seeks more communication from Thomas Bridge Water system
- Along the Yellow Brick Road
- Former UVa football player accused of rape says complainant's own words ruin her case
- Blacksburg elementary principal among 17 men arrested in prostitution case
k@= 4=2DDlQE23=6\@7\4@?E6?EDQmk=:mkDEC@?8mk2 9C67lQRD2=6DQmv:7E r2C5 $2=6D $E2E:DE:4Dk^2mk^DEC@?8mk^=:mk=:mkDEC@?8mk2 9C67lQR!FC492D65Qmv:7E r2C5D !FC492D6 $E2E:DE:4Dk^2mk^DEC@?8mk^=:mk=:mkDEC@?8mk2 9C67lQRw@=:52J\v:7EQmw@=:52J v:7E r2C5 %C6?5Dk^2mk^DEC@?8mk^=:mk=:mkDEC@?8mk2 9C67lQR8:7E\42C5Qm|@?E9=J v:7E r2C5 $62C49 '@=F>6 3J |2;@C #6E2:=6Ck^2mk^DEC@?8mk^=:mk=:mkDEC@?8mk2 9C67lQR3FJ\:?7=F6?46Qmu24E@CD p7764E:?8 v:7E r2C5 !FC492D6Dk^2mk^DEC@?8mk^=:mk^@=m
kAmk2 ?2>6lQD2=6DQ :5lQD2=6DQmk^2mk^Am
kAmkDEC@?8mv:7E r2C5 $2=6D $E2E:DE:4Dk^DEC@?8mk^Am
kAmv:7E D2=6D 2C6 AC@;64E65 E@ C6249 Sabc 3:==:@? :? a_ad[ C6AC6D6?E:?8 2 hT 8C@HE9[ 2?5 2C6 6IA64E65 E@ 7FCE96C C:D6 E@ Sb_f 3:==:@? 3J a_ah[ H:E9 2? 2G6C286 2??F2= :?4C62D6 @7 f]_bT]k^Am
kAmkDEC@?8mv:7E r2C5 $2=6D 7C@> `hhh E@ a_abk^DEC@?8m kDEC@?8mw:DE@C:4 2?5 !C@;64E65 v:7E r2C5 $2=6D ~G6C %:>6k^DEC@?8mk^Am
kE23=6mkE9625mkECmkE9m*62Ck^E9mkE9ms@==2C p>@F?E W:? q:==:@?DXk^E9mkE9m*62C\~G6C\*62C r92?86k^E9mk^ECmk^E9625mkECmkE5mkDEC@?8ma_ahYk^DEC@?8mk^E5mkE5mSb_fk^E5mkE5mcbTk^E5mk^ECmkECmkE5mkDEC@?8ma_adYk^DEC@?8mk^E5mkE5mSabck^E5mkE5mhTk^E5mk^ECmkECmkE5mkDEC@?8ma_acYk^DEC@?8mk^E5mkE5mSa`ck^E5mkE5mfTk^E5mk^ECmkECmkE5mkDEC@?8ma_abk^DEC@?8mk^E5mkE5mSa__k^E5mkE5mbTk^E5mk^ECmkECmkE5mkDEC@?8ma_aak^DEC@?8mk^E5mkE5mS`hdk^E5mkE5m`bTk^E5mk^ECmkECmkE5mkDEC@?8ma_a`k^DEC@?8mk^E5mkE5mS`fbk^E5mkE5m``]__Tk^E5mk^ECmkECmkE5mkDEC@?8ma_a_k^DEC@?8mk^E5mkE5mS`dek^E5mkE5m\c]deTk^E5mk^ECmkECmkE5mkDEC@?8ma_`hk^DEC@?8mk^E5mkE5mS`ebk^E5mkE5m`]h`Tk^E5mk^ECmkECmkE5mkDEC@?8ma_`gk^DEC@?8mk^E5mkE5mS`e_k^E5mkE5mf]bgTk^E5mk^ECmkECmkE5mkDEC@?8ma_`fk^DEC@?8mk^E5mkE5mS`chk^E5mkE5me]__Tk^E5mk^ECmkECmkE5mkDEC@?8ma_`ek^DEC@?8mk^E5mkE5mS`c_k^E5mkE5mf]__Tk^E5mk^ECmkECmkE5mkDEC@?8ma_`dk^DEC@?8mk^E5mkE5mS`b_k^E5mkE5m\f]`cTk^E5mk^ECmkECmkE5mkDEC@?8ma_`ck^DEC@?8mk^E5mkE5mS`ack^E5mkE5md]__Tk^E5mk^ECmkECmkE5mkDEC@?8ma_`bk^DEC@?8mk^E5mkE5mS``gk^E5mkE5m`_]__Tk^E5mk^ECmkECmkE5mkDEC@?8ma_`ak^DEC@?8mk^E5mkE5mS`_fk^E5mkE5mg]__Tk^E5mk^ECmkECmkE5mkDEC@?8ma_``k^DEC@?8mk^E5mkE5mShhk^E5mkE5mh]__Tk^E5mk^ECmkECmkE5mkDEC@?8ma_`_k^DEC@?8mk^E5mkE5mSh`k^E5mkE5md]__Tk^E5mk^ECmkECmkE5mkDEC@?8ma__hk^DEC@?8mk^E5mkE5mSgfk^E5mkE5m\c]__Tk^E5mk^ECmkECmkE5mkDEC@?8ma__gk^DEC@?8mk^E5mkE5mSh`k^E5mkE5m\e]__Tk^E5mk^ECmkECmkE5mkDEC@?8ma__fk^DEC@?8mk^E5mkE5mShfk^E5mkE5m`f]__Tk^E5mk^ECmkECmkE5mkDEC@?8ma__ek^DEC@?8mk^E5mkE5mSgbk^E5mkE5md`Tk^E5mk^ECmkECmkE5mkDEC@?8ma__ck^DEC@?8mk^E5mkE5mSddk^E5mkE5maa]__Tk^E5mk^ECmkECmkE5mkDEC@?8ma__bk^DEC@?8mk^E5mkE5mScdk^E5mkE5m`g]__Tk^E5mk^ECmkECmkE5mkDEC@?8ma__ak^DEC@?8mk^E5mkE5mSbgk^E5mkE5m`h]__Tk^E5mk^ECmkECmkE5mkDEC@?8ma__`k^DEC@?8mk^E5mkE5mSbak^E5mkE5megTk^E5mk^ECmkECmkE5mkDEC@?8m`hhhk^DEC@?8mk^E5mkE5mS`hk^E5mkE5m}^pk^E5mk^ECmk^E23=6m
kAmk6>mk6>mY}@E6i u:8FC6D 7@C a_ad 2?5 36J@?5 2C6 AC@;64E:@?D @7 &]$] 8:7E 42C5 D2=6Dk^6>mk^6>m k6>mW$@FC46i #6D62C49 U2>Aj |2C<6ED[ v=@36}6HDH:C6 2?5 !C}6HDH:C6Xk^6>mk^Am
k2 9C67lQR4@?E6?EDQmq24< %@Â %@Ak^2m
kAm&?FD65 v:7E r2C5 $E2E:DE:4Dk^Am
kAm%96 rp#s p4E AC@9:3:ED 8:7E 42C5 7F?5D 7C@> 6IA:C:?8 k2 9C67lQ^65F^44^42C5\24E\8:7E\42C5\AC@E64E:@?D^addhcQm7@C 7:G6 J62CDk^2m 7C@> E96 52E6 @7 :DDF2?46] %96 492CE 23@G6 D9@HD E96 G2=F6 @7 F?FD65 8:7E 42C5D E92E 92G6 6IA:C65 W:? 3:==:@?DX]k^Am
kAmk6>mW$@FC46i rtq %@H6C vC@FAXk^6>mk^Am
k2 9C67lQR4@?E6?EDQmq24< %@Â %@Ak^2m
kAmk2 ?2>6lQ!FC492D65Q :5lQ!FC492D65Qmk^2mk^Am
kAmkDEC@?8mv:7E r2C5D !FC492D6 $E2E:DE:4Dk^DEC@?8m v:7E r2C5 $2=6D 3J |6C492?E %JA6k^Am
kAm k^Am
kAmk6>m}@E6i %96 DF> @7 E96 T E@E2=D >2J 36 8C62E6C E92? `__T 3642FD6 E96 C6DA@?56?ED H6C6 2==@H65 E@ D6=64E >@C6 E92? @?6 2?DH6Ck^6>m k6>mW$@FC46i }#u[ a_ac r@?DF>6C w@=:52J $FCG6JXk^6>m {:<6=:9@@5 @7 r@?DF>6CD !FC492D:?8 2 v:7E r2C5 v:7E r2C5 $2=6D 3J ~442D:@? k6>m}@E6i %96 DF> @7 E96 T E@E2=D >2J 36 8C62E6C E92? `__T 3642FD6 E96 C6DA@?56?ED H6C6 2==@H65 E@ D6=64E >@C6 E92? @?6 2?DH6Ck^6>m k6>mW$@FC46i k2 9C67lQ9EEAi^^v:7E42C5D]4@>Qmv:7E42C5D]4@>k^2m[a_`gXk^6>m kDEC@?8m}F>36C @7 v:7E r2C5D r@?DF>6CD tIA64E E@ !FC492D6k^DEC@?8mk^Am
kE23=6mkE9625mkECmkE9m}F>36C @7 v:7E r2C5Dk^E9mkE9ma_`dk^E9mkE9ma_`ck^E9mkE9ma_`bk^E9mkE9ma_`ak^E9mkE9ma_``k^E9mkE9ma_`_k^E9mkE9ma__hk^E9mkE9ma__gk^E9mkE9ma__fk^E9mkE9ma__ek^E9mk^ECmk^E9625mkECmkE5mkDEC@?8m` v:7E r2C5k^DEC@?8mk^E5mkE5m`e]hTk^E5mkE5m`c]eTk^E5mkE5m`b]_Tk^E5mkE5m`b]gTk^E5mkE5m`b]fTk^E5mkE5m`c]gTk^E5mkE5m`c]aTk^E5mkE5m`b]dTk^E5mkE5m`a]bTk^E5mkE5m`b]_Tk^E5mk^ECmkECmkE5mkDEC@?8ma v:7E r2C5Dk^DEC@?8mk^E5mkE5mag]eTk^E5mkE5mae]fTk^E5mkE5maf]aTk^E5mkE5mag]fTk^E5mkE5maf]gTk^E5mkE5maf]gTk^E5mkE5mag]eTk^E5mkE5maf]bTk^E5mkE5maf]cTk^E5mkE5mae]aTk^E5mk^ECmkECmkE5mkDEC@?8mb v:7E r2C5Dk^DEC@?8mk^E5mkE5m`h]_Tk^E5mkE5m`h]eTk^E5mkE5ma_]aTk^E5mkE5m`g]eTk^E5mkE5m`g]hTk^E5mkE5ma_]`Tk^E5mkE5m`g]gTk^E5mkE5ma_]`Tk^E5mkE5m`h]cTk^E5mkE5m`h]gTk^E5mk^ECmkECmkE5mkDEC@?8mc v:7E r2C5Dk^DEC@?8mk^E5mkE5m`b]cTk^E5mkE5m`c]_Tk^E5mkE5m`b]gTk^E5mkE5m`c]`Tk^E5mkE5m`c]eTk^E5mkE5m`c]_Tk^E5mkE5m`c]gTk^E5mkE5m`b]fTk^E5mkE5m`b]gTk^E5mkE5m`b]fTk^E5mk^ECmkECmkE5mkDEC@?8md v:7E r2C5Dk^DEC@?8mk^E5mkE5me]fTk^E5mkE5mf]fTk^E5mkE5mh]aTk^E5mkE5mf]eTk^E5mkE5mg]aTk^E5mkE5mf]aTk^E5mkE5mg]`Tk^E5mkE5mf]fTk^E5mkE5mg]`Tk^E5mkE5mg]cTk^E5mk^ECmkECmkE5mkDEC@?8me @C |@C6 v:7E r2C5Dk^DEC@?8mk^E5mkE5m`d]cTk^E5mkE5m`f]dTk^E5mkE5m`e]dTk^E5mkE5m`f]`Tk^E5mkE5m`e]fTk^E5mkE5m`e]_Tk^E5mkE5m`d]dTk^E5mkE5m`f]fTk^E5mkE5m`g]hTk^E5mkE5m`h]_Tk^E5mk^ECmkECmkE5mkDEC@?8m%@E2=k^DEC@?8mk^E5mkE5m`__Tk^E5mkE5m`__Tk^E5mkE5m`__Tk^E5mkE5m`__Tk^E5mkE5m`__Tk^E5mkE5m`__Tk^E5mkE5m`__Tk^E5mkE5m`__Tk^E5mkE5m`__Tk^E5mkE5m`__Tk^E5mk^ECmkECmkE5mkDEC@?8mpG6C286 }F>36C @7 v:7E r2C5Dk^DEC@?8mk^E5mkE5mb]ck^E5mkE5mb]ek^E5mkE5mb]ek^E5mkE5mb]ek^E5mkE5mb]ek^E5mkE5mb]dk^E5mkE5mb]dk^E5mkE5mb]ek^E5mkE5mb]fk^E5mkE5mb]fk^E5mk^ECmk^E23=6m
k2 ?2>6lQEJA6\6IA64EQ :5lQEJA6\6IA64EQmk^2m
kAmkDEC@?8m%JA6D @7 v:7E r2C5D r@?DF>6CD tIA64E E@ !FC492D6k^DEC@?8mk^Am
kE23=6mkE9625mkECmkE9mv:7E r2C5 W3J |6C492?E %JA6XYk^E9mkE9ma_adk^E9mkE9ma_ack^E9mkE9ma_abk^E9mkE9ma_aak^E9mkE9ma_a`k^E9mkE9ma_a_k^E9mkE9ma_`hk^E9mkE9ma_`gk^E9mkE9ma_`dk^E9mkE9ma_`ck^E9mkE9ma_`bk^E9mkE9ma_`ak^E9mkE9ma_``k^E9mkE9ma_`_k^E9mkE9ma__hk^E9mk^ECmk^E9625mkECmkE5mkDEC@?8mr2E2=@8k^DEC@?8mk^E5mkE5m}^pk^E5mkE5meTk^E5mkE5m}^pk^E5mkE5mfTk^E5mkE5mdTk^E5mkE5meTk^E5mkE5mfTk^E5mkE5m}^pk^E5mkE5mbTk^E5mkE5mb]cTk^E5mkE5mc]eTk^E5mkE5mc]aTk^E5mkE5mb]bTk^E5mkE5mb]aTk^E5mkE5ma]fTk^E5mk^ECmkECmkE5mkDEC@?8mr=@E9:?8^p446DD@C:6Dk^DEC@?8m $E@C6k^E5mkE5mb_Tk^E5mkE5mb`Tk^E5mkE5m}^pk^E5mkE5mb`Tk^E5mkE5mb_Tk^E5mkE5mb_Tk^E5mkE5mbcTk^E5mkE5mbcT }^pk^E5mkE5m}^pk^E5mkE5m}^pk^E5mkE5m}^pk^E5mkE5m}^pk^E5mkE5m}^pk^E5mkE5m}^pk^E5mkE5m k^E5mk^ECmkECmkE5mkDEC@?8mrC27E $E@C6k^DEC@?8mk^E5mkE5m`dTk^E5mkE5m`eTk^E5mkE5m}^pk^E5mkE5m`fTk^E5mkE5m`eTk^E5mkE5m`eTk^E5mkE5m`fTk^E5mkE5m`fTk^E5mkE5mc]aTk^E5mkE5mc]bTk^E5mkE5mc]hTk^E5mkE5mc]gTk^E5mkE5mb]fTk^E5mkE5mb]gTk^E5mkE5ma]fTk^E5mk^ECmkECmkE5mkDEC@?8ms6A2CE>6?E $E@C6k^DEC@?8mk^E5mkE5mccTk^E5mkE5mceTk^E5mkE5m}^pk^E5mkE5mcfTk^E5mkE5mcfTk^E5mkE5mcdTk^E5mkE5mdbTk^E5mkE5mddTk^E5mkE5mbc]cTk^E5mkE5mbf]fTk^E5mkE5mc_]bTk^E5mkE5mbh]`Tk^E5mkE5mbg]fTk^E5mkE5mbh]aTk^E5mkE5mbg]cTk^E5mk^ECmkECmkE5mkDEC@?8ms:D4@F?E $E@C6k^DEC@?8mk^E5mkE5mcaTk^E5mkE5mcdTk^E5mkE5m}^pk^E5mkE5mcgTk^E5mkE5mccTk^E5mkE5mcbTk^E5mkE5md`Tk^E5mkE5md`Tk^E5mkE5m`_]eTk^E5mkE5m``]fTk^E5mkE5m`c]dTk^E5mkE5m`c]aTk^E5mkE5m`bTk^E5mkE5m`c]fTk^E5mkE5m`e]bTk^E5mk^ECmkECmkE5mkDEC@?8msCF8 $E@C6k^DEC@?8mk^E5mkE5m}^pk^E5mkE5m`_Tk^E5mkE5m}^pk^E5mkE5m`aTk^E5mkE5m`aTk^E5mkE5m`bTk^E5mkE5m`cTk^E5mkE5m`cTk^E5mkE5m}^pk^E5mkE5m}^pk^E5mkE5m}^pk^E5mkE5m}^pk^E5mkE5m}^pk^E5mkE5m}^pk^E5mkE5m}^pk^E5mk^ECmkECmkE5mkDEC@?8mt=64EC@?:4D $E@C6k^DEC@?8mk^E5mkE5m`fTk^E5mkE5m`hTk^E5mkE5m`bTk^E5mkE5ma_Tk^E5mkE5ma_Tk^E5mkE5ma`Tk^E5mkE5mabTk^E5mkE5macTk^E5mkE5m`d]gTk^E5mkE5m`g]hTk^E5mkE5ma_]`Tk^E5mkE5m`h]bTk^E5mkE5m`h]gTk^E5mkE5m`hTk^E5mkE5m`g]gTk^E5mk^ECmkECmkE5mkDEC@?8mvC@46CJ $E@C6^v2D@=:?6k^DEC@?8mk^E5mkE5mceTk^E5mkE5mceTk^E5mkE5m`dTk^E5mkE5m}^pk^E5mkE5mcbTk^E5mkE5mcaTk^E5mkE5mccTk^E5mkE5mccTk^E5mkE5m``]cTk^E5mkE5m`a]aTk^E5mkE5m`b]gTk^E5mkE5m`a]eTk^E5mkE5m``]hTk^E5mkE5m`_]gTk^E5mkE5m`_]eTk^E5mk^ECmkECmkE5mkDEC@?8m~?=:?6 |6C492?Ek^DEC@?8mk^E5mkE5mddTk^E5mkE5mdfTk^E5mkE5m`dTk^E5mkE5mdeTk^E5mkE5mdfTk^E5mkE5me_Tk^E5mkE5mdeTk^E5mkE5mddTk^E5mkE5m`b]eTk^E5mkE5m``]gTk^E5mkE5m`a]fTk^E5mkE5m``]aTk^E5mkE5mg]hTk^E5mkE5me]bTk^E5mkE5md]bTk^E5mk^ECmkECmkE5mkDEC@?8m~FE=6EDk^DEC@?8mk^E5mkE5m``Tk^E5mkE5m`aTk^E5mkE5m}^pk^E5mkE5m``Tk^E5mkE5m`_Tk^E5mkE5mgTk^E5mkE5mhTk^E5mkE5m}^pk^E5mkE5m}^pk^E5mkE5m}^pk^E5mkE5m}^pk^E5mkE5m}^pk^E5mkE5m}^pk^E5mkE5m}^pk^E5mkE5m}^pk^E5mk^ECmkECmkE5mkDEC@?8m$>2== qFD:?6DDk^DEC@?8mk^E5mkE5ma`Tk^E5mkE5mabTk^E5mkE5m}^pk^E5mkE5m}^pk^E5mkE5m}^pk^E5mkE5m}^pk^E5mkE5m}^pk^E5mkE5m}^pk^E5mkE5m}^pk^E5mkE5m}^pk^E5mkE5m}^pk^E5mkE5m}^pk^E5mkE5m}^pk^E5mkE5m}^pk^E5mkE5m}^pk^E5mk^ECmkECmkE5mkDEC@?8m$A64:2=EJ r=@E9:?8 $E@C6k^DEC@?8mk^E5mkE5m``Tk^E5mkE5m`aTk^E5mkE5m}^pk^E5mkE5m}^pk^E5mkE5m}^pk^E5mkE5m}^pk^E5mkE5m}^pk^E5mkE5m}^pk^E5mkE5me]cTk^E5mkE5mf]cTk^E5mkE5mf]hTk^E5mkE5mf]dTk^E5mkE5mf]eTk^E5mkE5me]hTk^E5mkE5mf]aTk^E5mk^ECmkECmkE5mkDEC@?8m%9C:7E $E@C6U=Ejk^DEC@?8m%9C:7E $E@C6k^E5mkE5m`aTk^E5mkE5m`aTk^E5mkE5m}^pk^E5mkE5m`aTk^E5mkE5mhTk^E5mkE5mgTk^E5mkE5m`_Tk^E5mkE5m}^pk^E5mkE5m}^pk^E5mkE5m}^pk^E5mkE5m}^pk^E5mkE5m}^pk^E5mkE5m}^pk^E5mkE5m}^pk^E5mkE5m}^pk^E5mk^ECmk^E23=6m
kAmk6>m}@E6i %96 DF> @7 E96 T E@E2=D >2J 36 8C62E6C E92? `__T 3642FD6 E96 C6DA@?56?ED H6C6 2==@H65 E@ D6=64E >@C6 E92? @?6 2?DH6Ck^6>m k6>mW$@FC46i }2E:@?2= #6E2:= u656C2E:@?Xk^6>mk^Am
k2 9C67lQR4@?E6?EDQmq24< %@Â %@Ak^2m
kAmk2 ?2>6lQw@=:52J\v:7EQ :5lQw@=:52J\v:7EQmk^2mk^Am
kAmkDEC@?8mw@=:52J v:7E r2C5 %C6?5Dk^DEC@?8m p>@F?E @7 |@?6J r@?DF>6CD tIA64E E@ $A6?5 @? v:7E r2C5Dk^Am
kE23=6mkE9625mkECmkE9m*62Ck^E9mkE9ma_`dk^E9mkE9ma_`ck^E9mkE9ma_`bk^E9mkE9ma_`ak^E9mkE9ma_``k^E9mkE9ma_`_k^E9mkE9ma__hk^E9mkE9ma__gk^E9mkE9ma__fk^E9mkE9ma__ek^E9mk^ECmk^E9625mkECmkE5mkDEC@?8mSa_ @C =6DDk^DEC@?8mk^E5mkE5mc]gTk^E5mkE5md]bTk^E5mkE5me]_Tk^E5mkE5me]dTk^E5mkE5md]fTk^E5mkE5me]fTk^E5mkE5me]gTk^E5mkE5me]gTk^E5mkE5md]fTk^E5mkE5mf]dTk^E5mk^ECmkECmkE5mkDEC@?8mSa` E@ Sd_k^DEC@?8mk^E5mkE5ma`]cTk^E5mkE5m`f]bTk^E5mkE5m`g]`Tk^E5mkE5m`g]aTk^E5mkE5m`g]hTk^E5mkE5m`h]gTk^E5mkE5ma_]hTk^E5mkE5m`g]gTk^E5mkE5m`g]dTk^E5mkE5m`h]cTk^E5mk^ECmkECmkE5mkDEC@?8mSd` E@ Sfdk^DEC@?8mk^E5mkE5m`_]hTk^E5mkE5mh]fTk^E5mkE5m`_]`Tk^E5mkE5m`_]aTk^E5mkE5m``]`Tk^E5mkE5m``]`Tk^E5mkE5m``]hTk^E5mkE5m``]aTk^E5mkE5m``]aTk^E5mkE5m``]cTk^E5mk^ECmkECmkE5mkDEC@?8mSfe E@ S`__k^DEC@?8mk^E5mkE5m`f]aTk^E5mkE5m`f]bTk^E5mkE5m`f]eTk^E5mkE5m`g]aTk^E5mkE5m`g]bTk^E5mkE5m`g]dTk^E5mkE5m`f]gTk^E5mkE5m`h]`Tk^E5mkE5m`f]gTk^E5mkE5m`f]dTk^E5mk^ECmkECmkE5mkDEC@?8mS`_` E@ S`d_k^DEC@?8mk^E5mkE5m`b]cTk^E5mkE5m`b]cTk^E5mkE5m`b]aTk^E5mkE5m`b]aTk^E5mkE5m`b]_Tk^E5mkE5m`b]gTk^E5mkE5m`b]bTk^E5mkE5m`b]dTk^E5mkE5m`b]eTk^E5mkE5m`b]cTk^E5mk^ECmkECmkE5mkDEC@?8mS`d` E@ Sa__k^DEC@?8mk^E5mkE5m``]aTk^E5mkE5m``]dTk^E5mkE5m``]dTk^E5mkE5m``]hTk^E5mkE5m``]cTk^E5mkE5m`_]gTk^E5mkE5m``]_Tk^E5mkE5m`_]fTk^E5mkE5m`a]_Tk^E5mkE5m``]_Tk^E5mk^ECmkECmkE5mkDEC@?8mSa_` E@ Sb__k^DEC@?8mk^E5mkE5mh]`Tk^E5mkE5m`_]_Tk^E5mkE5m`_]`Tk^E5mkE5mg]gTk^E5mkE5mh]cTk^E5mkE5mg]bTk^E5mkE5mg]dTk^E5mkE5mg]hTk^E5mkE5mh]aTk^E5mkE5mh]`Tk^E5mk^ECmkECmkE5mkDEC@?8mSb_` E@ Sc__k^DEC@?8mk^E5mkE5mc]aTk^E5mkE5md]bTk^E5mkE5mc]cTk^E5mkE5mc]dTk^E5mkE5mc]dTk^E5mkE5mc]bTk^E5mkE5mb]eTk^E5mkE5mb]hTk^E5mkE5mc]_Tk^E5mkE5mb]dTk^E5mk^ECmkECmkE5mkDEC@?8mSc_` E@ Sd__k^DEC@?8mk^E5mkE5mb]`Tk^E5mkE5mb]gTk^E5mkE5mb]eTk^E5mkE5mb]cTk^E5mkE5mb]_Tk^E5mkE5ma]fTk^E5mkE5ma]cTk^E5mkE5mb]_Tk^E5mkE5ma]hTk^E5mkE5ma]fTk^E5mk^ECmkECmkE5mkDEC@?8mSd__ @C >@C6k^DEC@?8mk^E5mkE5mc]fTk^E5mkE5me]bTk^E5mkE5md]cTk^E5mkE5mc]hTk^E5mkE5mc]gTk^E5mkE5mc]`Tk^E5mkE5mb]fTk^E5mkE5mc]`Tk^E5mkE5md]`Tk^E5mkE5mc]bTk^E5mk^ECmkECmkE5mkDEC@?8m%~%p{k^DEC@?8mk^E5mkE5m`__]_Tk^E5mkE5m`__]_Tk^E5mkE5m`__]_Tk^E5mkE5m`__]_Tk^E5mkE5m`__]_Tk^E5mkE5m`__]_Tk^E5mkE5m`__]_Tk^E5mkE5m`__]_Tk^E5mkE5m`__]_Tk^E5mkE5m`__]_Tk^E5mk^ECmkECmkE5mkDEC@?8mp't#pvt k^DEC@?8mk^E5mkE5mS`db]_gk^E5mkE5mS`fa]fck^E5mkE5mS`eb]`ek^E5mkE5mS`de]gek^E5mkE5mS`dd]cbk^E5mkE5mS`cd]e`k^E5mkE5mS`bh]h`k^E5mkE5mS`cf]bbk^E5mkE5mS`de]ack^E5mkE5mS`ce]a_k^E5mk^ECmkECmkE5mkDEC@?8mp't#pvt !t# rp#sk^DEC@?8mk^E5mkE5mScc]gbk^E5mkE5mScf]gfk^E5mkE5mScd]`ek^E5mkE5mScb]fdk^E5mkE5mScb]abk^E5mkE5mSc`]cgk^E5mkE5mSbh]g_k^E5mkE5mSc_]dck^E5mkE5mSc`]hdk^E5mkE5mSbh]`ek^E5mk^ECmkECmkE5mkDEC@?8m%~%p{ $!t}% Wx} qx{{x~}$Xk^DEC@?8mk^E5mkE5mSad]hfk^E5mkE5mSb`]fck^E5mkE5mSah]g_k^E5mkE5mSag]fhk^E5mkE5mSaf]g_k^E5mkE5mSac]fgk^E5mkE5mSab]ebk^E5mkE5mSac]hak^E5mkE5mSae]adk^E5mkE5mSac]g`k^E5mk^ECmk^E23=6m
k2 9C67lQR4@?E6?EDQmq24< %@ %@Ak^2m
kAmk2 ?2>6lQ8:7E\42C5Q :5lQ8:7E\42C5Qmk^2mk^Am
kAmkDEC@?8m|@?E9=J v:7E r2C5 $62C49 '@=F>6 3J |2;@C #6E2:=6Ck^DEC@?8mk^Am
kE23=6mkE9625mkECmkE9m#6E2:=6Ck^E9mkE9m$62C49 '@=F>6k^E9mk^ECmk^E9625mkECmkE5mkDEC@?8mp>2K@? 8:7E 42C5k^DEC@?8mk^E5mkE5maeh[___k^E5mk^ECmkECmkE5mkDEC@?8m(2=>2CE 8:7E 42C5k^DEC@?8mk^E5mkE5m``_[___k^E5mk^ECmkECmkE5mkDEC@?8m%2C86E 8:7E 42C5k^DEC@?8mk^E5mkE5mhe[h__k^E5mk^ECmkECmkE5mkDEC@?8m:%F?6D 8:7E 42C5k^DEC@?8mk^E5mkE5mgd[___k^E5mk^ECmkECmkE5mkDEC@?8mpAA=6 8:7E 42C5k^DEC@?8mk^E5mkE5mfh[c__k^E5mk^ECmkECmkE5mkDEC@?8mw@>6 s6A@E 8:7E 42C5k^DEC@?8mk^E5mkE5mbbg[__k^E5mk^ECmkECmkE5mkDEC@?8mr@DE4@ 8:7E 42C5k^DEC@?8mk^E5mkE5mb_[c__k^E5mk^ECmkECmkE5mkDEC@?8mq6DE qFJ 8:7E 42C5k^DEC@?8mk^E5mkE5mac[h__k^E5mk^ECmkECmkE5mkDEC@?8m{@H6D 8:7E 42C5k^DEC@?8mk^E5mkE5mac[f__k^E5mk^ECmkECmkE5mkDEC@?8mzC@86C 8:7E 42C5k^DEC@?8mk^E5mkE5m`g[e__k^E5mk^ECmkECmkE5mkDEC@?8m|24JD 8:7E 42C5k^DEC@?8mk^E5mkE5m`f[f__k^E5mk^ECmkECmkE5mkDEC@?8m}@C5DEC@> 8:7E 42C5k^DEC@?8mk^E5mkE5m`f[c__k^E5mk^ECmkECmkE5mkDEC@?8mv:2?E 628=6 8:7E 42C5k^DEC@?8mk^E5mkE5m`b[f__k^E5mk^ECmkECmkE5mkDEC@?8m%y |2II 8:7E 42C5k^DEC@?8mk^E5mkE5m`b[e__k^E5mk^ECmkECmkE5mkDEC@?8mz@9=D 8:7E 42C5k^DEC@?8mk^E5mkE5m`a[g__k^E5mk^ECmkECmkE5mkDEC@?8m(2=8C66?D 8:7E 42C5k^DEC@?8mk^E5mkE5m`a[d__k^E5mk^ECmkECmkE5mkDEC@?8mr'$ 8:7E 42C5k^DEC@?8mk^E5mkE5m`a[d__k^E5mk^ECmkECmkE5mkDEC@?8m!F3=:I 8:7E 42C5k^DEC@?8mk^E5mkE5m`_[f__k^E5mk^ECmkECmkE5mkDEC@?8mp=5: 8:7E 42C5k^DEC@?8mk^E5mkE5mf[e__k^E5mk^ECmkECmkE5mkDEC@?8m(2J72:C 8:7E 42C5k^DEC@?8mk^E5mkE5mf[a__k^E5mk^ECmk^E23=6m
kAmk6>mW$@FC46i s62=sC@A[ v:7E r2C5 $E2E:DE:4D a_a`Xk^6>m  k^Am
k2 9C67lQR4@?E6?EDQmq24< %@Â %@Ak^2m
kAmk2 ?2>6lQ3FJ\:?7=F6?46Q :5lQ3FJ\:?7=F6?46Qmk^2mk^Am
kAmkDEC@?8mu24E@CD p7764E:?8 v:7E r2C5 !FC492D6Dk^DEC@?8m kDEC@?8mu24E@CD {:<6=J E@ x?7=F6?46 r@?DF>6CD E@ qFJk^DEC@?8mk^Am
kE23=6mkE9625mkECmkE9mx?7=F6?4:?8 u24E@Ck^E9mkE9ma_`dk^E9mkE9ma_`ck^E9mkE9ma_`bk^E9mkE9ma_`ak^E9mkE9ma_``k^E9mkE9ma_`_k^E9mk^ECmk^E9625mkECmkE5mkDEC@?8mv:7E 42C5D 2C6 62D:6C 2?5 72DE6C E@ 3FJ E92? EC25:E:@?2= 8:7EDk^DEC@?8mk^E5mkE5mac]fTk^E5mkE5mad]eTk^E5mkE5maa]eTk^E5mkE5ma`]`Tk^E5mkE5m`h]cTk^E5mkE5m`h]cTk^E5mk^ECmkECmkE5mkDEC@?8mv:7E 42C5D 2==@H E96 C64:A:6?E E@ D6=64E E96:C @H? 8:7Ek^DEC@?8mk^E5mkE5md_]cTk^E5mkE5md`]gTk^E5mkE5mcb]`Tk^E5mkE5mcc]fTk^E5mkE5mce]cTk^E5mkE5mce]cTk^E5mk^ECmkECmkE5mkDEC@?8mv:G:?8 8:7E 42C5D 96=AD >6 DE:4< E@ >J 9@=:52J 3F586Ek^DEC@?8mk^E5mkE5md]aTk^E5mkE5mb]gTk^E5mkE5md]fTk^E5mkE5mc]fTk^E5mkE5mc]gTk^E5mkE5mc]gTk^E5mk^ECmkECmkE5mkDEC@?8m%96 8:7E C64:A:6?E 5@6D ?@E 92G6 E@ H@CCJ 23@FE C6EFC?:?8 >6C492?5:D6k^DEC@?8mk^E5mkE5md]eTk^E5mkE5md]_Tk^E5mkE5me]_Tk^E5mkE5me]eTk^E5mkE5me]_Tk^E5mkE5me]_Tk^E5mk^ECmkECmkE5mkDEC@?8mxE :D 62D:6C E@ >2:=^D9:A 2 8:7E E92? 2 EC25:E:@?2= 8:7E E@ @FE\@7\E@H? 8:7E C64:A:6?EDk^DEC@?8mk^E5mkE5md]eTk^E5mkE5me]_Tk^E5mkE5me]bTk^E5mkE5md]gTk^E5mkE5me]aTk^E5mkE5me]aTk^E5mk^ECmkECmkE5mkDEC@?8mx?46?E:G6D 7@C 3FJ:?8 8:7E 42C5D W6]8] 7C66 255:E:@?2= 8:7E 42C5 7@C >JD6=7[ 5:D4@F?ED @? 7F6=[ 6E4]Xk^DEC@?8mk^E5mkE5mc]cTk^E5mkE5mc]_Tk^E5mkE5mc]hTk^E5mkE5mc]gTk^E5mkE5md]dTk^E5mkE5md]dTk^E5mk^ECmkECmkE5mkDEC@?8m}@?6 @7 E96 23@G6k^DEC@?8mk^E5mkE5mc]`Tk^E5mkE5mb]gTk^E5mkE5m``]bTk^E5mkE5m`a]bTk^E5mkE5m``]fTk^E5mkE5m``]fTk^E5mk^ECmkECmkE5mkDEC@?8m%@E2=k^DEC@?8mk^E5mkE5m`__]_Tk^E5mkE5m`__]_Tk^E5mkE5m`__]_Tk^E5mkE5m`__]_Tk^E5mkE5m`__]_Tk^E5mkE5m`__]_Tk^E5mk^ECmk^E23=6m
kAmkDEC@?8mu24E@CD {:<6=J E@ x?7=F6?46 r@?DF>6CD }~% E@ qFJk^DEC@?8mk^Am
kE23=6mkE9625mkECmkE9mx?7=F6?4:?8 u24E@Ck^E9mkE9ma_`bk^E9mkE9ma_`ak^E9mkE9ma_``k^E9mkE9ma_`_k^E9mk^ECmk^E9625mkECmkE5mkDEC@?8mv:7E 42C5D D66> :>A6CD@?2=k^DEC@?8mk^E5mkE5mad]bTk^E5mkE5mac]`Tk^E5mkE5mae]`Tk^E5mkE5mac]`Tk^E5mk^ECmkECmkE5mkDEC@?8mr@?46C? E92E E96 42C5 H@F=5 6IA:C6 @C 92G6 25565 766Dk^DEC@?8mk^E5mkE5m`e]bTk^E5mkE5m`d]gTk^E5mkE5m`f]cTk^E5mkE5m`g]hTk^E5mk^ECmkECmkE5mkDEC@?8m#2E96C 3FJ :E6>D @? D2=6 2?5 8:G6 EC25:E:@?2= 8:7ED E@ DEC6E49 E96 5@==2C 7FCE96Ck^DEC@?8mk^E5mkE5mh]fTk^E5mkE5mg]hTk^E5mkE5mh]`Tk^E5mkE5mg]hTk^E5mk^ECmkECmkE5mkDEC@?8m(@CC:65 E96 C64:A:6?E H:== =@D6 :E @C ?6G6C DA6?5 :Ek^DEC@?8mk^E5mkE5me]eTk^E5mkE5me]cTk^E5mkE5md]hTk^E5mkE5md]hTk^E5mk^ECmkECmkE5mkDEC@?8mr@?46C?65 E92E E96 C6E2:=6C H:== 8@ @FE @7 3FD:?6DDk^DEC@?8mk^E5mkE5ma]`Tk^E5mkE5ma]aTk^E5mkE5ma]hTk^E5mkE5mb]aTk^E5mk^ECmkECmkE5mkDEC@?8m}@E DFC6 H9:49 4@>A2?J 2 A6CD@? H@F=5 H2?E 2 42C5 7C@>k^DEC@?8mk^E5mkE5mh]cTk^E5mkE5mh]bTk^E5mkE5mh]fTk^E5mkE5mh]dTk^E5mk^ECmkECmkE5mkDEC@?8m}@?6 @7 E96 23@G6k^DEC@?8mk^E5mkE5mb_]eTk^E5mkE5mbb]bTk^E5mkE5mag]gTk^E5mkE5mah]eTk^E5mk^ECmkECmkE5mkDEC@?8m%@E2=k^DEC@?8mk^E5mkE5m`__]_Tk^E5mkE5m`__]_Tk^E5mkE5m`__]_Tk^E5mkE5m`__]_Tk^E5mk^ECmk^E23=6m
kAmk6>mW$@FC46Di q2:? U2>Aj r@>A2?J[ u:CDE s2E2[ }2E:@?2= #6E2:= u656C2E:@?[ %@H6C vC@FA[ '6?EFC6 q62EXk^6>mk^Am
k2 9C67lQR4@?E6?EDQmq24< %@ %@Ak^2m
