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s)-2(i)2(g)6(n a l)1(e)6(ga)1(l)1( ag)6(r)-1(eem)8(e)6(nt)3( t)4(o ac)-2(c)4(ept)4( )6(a c)-2(ha)6(r)-1(g)6(e bei)7(n)1(g )]TJ -1.12575 -1.1497 TD 0.074 Tw [(r)-1(egi)7(s)-2(t)4(er)5(ed a)6(g)6(ai)1(ns)-2(t)4( y)4(ou)6(r)-1( )-1(p)6(r)5(oper)-1(t)4(y)4( )5(c)-2(ov)4(e)1(r)-2(i)8(ng t)3(he f)4(ul)1(l)2( )5(a)6(m)2(ount)4( of)3( t)4(he)6( )6(l)1(oan.)4( A)3( f)3(ee )6(of)4( )-11(40.)3(00)7( )-1(w)-1(i)1(l)2(l)1( )6(b)6(e)-6( )]TJ T* 0.116 Tw [(i)1(n)1(c)-2(l)1(u)6(ded t)4(o c)4(ov)4(er)-1( )-1(t)4(he c)-2(ou)6(nc)-2(i)2(l)1<92>8(s)-2( )-1(c)-2(o)7(s)-2(t)3(s)-2( o)6(f)4( )-1(r)-1(egi)2(s)-2(t)3(er)-1(i)7(n)1(g )-1(t)4(he c)-2(ha)6(r)-1(g)6(e.)4( )-1(T)2(he f)3(ul)2(l)1( am)2(ou)6(nt)4( )-1(w)-1(i)1(l)2(l)1( t)4(hen be )]TJ 0 -1.14371 TD -0.004 Tw [(r)-1(epai)7(d)1( )-1(t)4(o )-1(t)4(he c)-2(ou)6(nc)-2(i)1(l)2( )-1(u)7(pon )5(t)4(he f)3(i)2(r)-2(s)-2(t)4( f)3(ul)2(l)1( di)1(s)-2(po)6(s)-2(a)1(l)1( of)3( t)3(he )6(pr)-1(op)6(er)-1(t)3(y)4( and )6(not)4( )-1(bef)4(or)-1(e.)3( )]TJ 0 -1.14971 TD 0 Tc 0 Tw ( )Tj 0 -1.14371 TD 0.001 Tc 0.032 Tw [(T)1(he l)2(oan )-1(i)8(s)-2( i)1(n)6(t)4(er)-2(e)1(s)-2(t)3( f)3(r)-1(e)6(e an)6(d t)3(he)1( )-1(am)2(ou)6(nt)4( )-1(b)1(or)-2(r)5(ow)5(ed )-1(f)4(r)-1(o)6(m)1( t)4(he )-1(c)-2(ou)7(nc)-2(i)1(l)8( )-1(\()-1(i)1(nc)-2(l)2(u)6(di)2(ng )-1(t)4(h)6(e \24340.)4(00 f)3(ee)6(\))5( )]TJ 0 -1.1497 TD -0.004 Tw [(w)-2(i)2(l)1(l)2( )-1(be)1( )-1(t)4(he )-1(a)1(m)7(oun)1(t)3( r)-2(ep)7(ai)1(d u)6(pon t)3(he)1( )-1(f)4(i)1(r)-1(s)-2(t)3( f)9(u)1(l)1(l)1( di)1(s)-1(p)6(os)4(al)1( of)3( t)4(he )-1(pr)-1(ope)6(r)-1(t)4(y)4(.)3( )]TJ /F3 1 Tf 0 -1.15569 TD 0 Tc 0 Tw ( )Tj 0 -1.14371 TD -0.003 Tw [(H)-3(o)19(w)-25( )6(do I)2( c)-1(h)6(oo)1(s)-1(e)-1( )-1(a )-1(c)-1(on)7(t)-3(r)6(a)-1(c)-1(t)-2(or)6(? )]TJ /F5 1 Tf 10.98 0 0 10.98 89.88 600.3 Tm 0 Tw ( )Tj 10.02 0 0 10.02 89.88 588.6 Tm 0.001 Tc 0.386 Tw [(Y)3(ou)1( w)-2(i)2(l)1(l)2( n)6(e)6(ed )1(t)3(o )1(p)6(r)-1(ov)4(i)1(d)6(e )1(at)3( )1(l)1(ea)6(s)-2(t)4( t)4(w)-2(o )1(q)6(uot)3(a)1(t)3(i)2(on)6(s)-2( f)4(r)-2(om)2( )6(d)1(i)1(f)4(f)3(er)5(ent)4( c)-2(o)6(nt)4(r)-2(a)7(c)-2(t)9(or)-1(s)4( w)-1(i)1(t)4(h y)4(o)6(u)6(r)-7( )]TJ 0 -1.1497 TD 0.23 Tw [(appl)2(i)7(c)-2(at)4(i)1(on)1( f)3(o)6(r)-1(m)2(.)3( C)-1(o)6(un)6(c)-2(i)1(l)2( )6(of)3(f)4(i)1(c)-2(e)1(r)4(s)-2( )6(c)-2(an)6(n)7(ot)3( r)-1(e)6(c)-2(om)2(m)7(e)1(n)6(d any)4( )6(c)-2(ont)4(r)4(a)7(c)-2(t)3(or)-1( )6(but)4( w)-2(i)2(l)1(l)7( )6(c)-2(o)1(m)1(m)8(ent)4( on )]TJ 0 -1.14371 TD 0.128 Tw [(c)-2(ont)4(r)4(a)1(c)-2(t)3(o)6(r)5(s)-2( )6(k)4(now)4(n t)4(o t)3(h)6(e)7(m)1(.)4( Quot)4(at)4(i)1(o)6(n)6(s)-2( m)2(u)6(s)-2(t)3( )6(be o)6(n)6( t)4(he )6(c)-2(ont)4(r)4(ac)-2(t)10(or)-1(s)4( )-1(c)4(o)1(m)1(p)6(an)1(y)10( )-1(he)1(a)6(ded)6( pap)6(er)-7( )]TJ 0 -1.1497 TD -0.003 Tw [(and )1(m)2(u)6(s)-2(t)3( )1(be )1(addr)5(es)4(s)-2(e)6(d t)4(o )1(y)4(ou a)1(nd N)5(OT)8( t)4(he C)-1(oun)6(c)-2(i)2(l)1(.)4( P)3(h)1(ot)3(oc)-2(o)6(p)1(i)1(e)6(s)-2( )1(w)-2(i)2(l)1(l)1( )1(not)4( be)1( a)6(c)4(c)-2(ept)4(a)6(bl)2(e.)3( )1( )]TJ 0 -1.14371 TD 0 Tc 0 Tw ( )Tj 0 -1.1497 TD 0.001 Tc 0.17 Tw [(Q)1(uot)3(at)4(i)1(o)1(n)6(s)-2( m)7(us)-2(t)4( be )6(br)-1(o)6(k)-2(e)6(n do)6(w)-1(n s)4(o t)3(hat)4( t)3(he)1( )-1(c)4(o)1(s)-2(t)3( )6(of)4( eac)4(h i)1(t)4(em)8( )-1(o)1(f)3( w)-2(o)1(r)4(k)-2( )6(c)-2(an)6( be)1( )-1(i)2(dent)4(i)1(f)4(i)1(ed)6(.)4( )]TJ T* 0.08 Tw [(Q)1(uot)3(at)4(i)1(o)1(n)6(s)-2( )5(s)4(ho)1(ul)1(d)6( onl)2(y)4( )-1(i)8(n)6(c)-2(l)1(ud)7(e )5(w)-1(or)5(k)4(s)-2( )5(on)1( )-1(t)4(he)6( s)4(pe)6(c)-2(i)1(f)4(i)1(c)-2(a)1(t)3(i)1(o)1(n)6( )-1(l)2(i)1(s)-2(t)4( )6(pr)-2(o)6(v)4(i)2(ded by)4( t)3(h)6(e)1( )5(P)4(r)-2(i)2(v)4(at)3(e S)4(e)6(c)-2(t)3(o)6(r)-1( )]TJ 0 -1.14371 TD 0.152 Tw [(H)-2(o)1(u)6(s)-2(i)1(n)6(g M)2(a)6(n)6(ager)-1(.)4( )5(W)-1(h)6(e)1(n )6(any)4( l)1(oan)6( i)2(s)4( a)6(ppr)-1(ov)4(e)6(d,)3( i)2(t)3( w)5(i)1(l)1(l)2( i)1(ndi)2(c)4(at)4(e )6(w)4(hi)2(c)-2(h)6( )-1(b)1(ui)1(l)2(d)6(er)-2<92>8(s)4( es)-2(t)3(i)2(m)2(at)3(e)6( t)4(he )]TJ 0 -1.1497 TD 0.015 Tw [(appr)5(ov)4(al)2( i)2(s)-2( b)6(a)1(s)-2(e)6(d on)1( and )7(y)4(ou )1(s)-2(ho)6(ul)2(d n)6(o)1(t)3( )1(us)-2(e a)1(not)9(he)7(r)-2( )1(c)-2(ont)10(r)-2(a)6(c)-2(t)4(or)-1( w)5(i)1(t)4(hout)4( pr)-1(i)1(o)7(r)-2( )1(agr)-1(ee)6(m)2(ent)3( )1(f)3(r)-1(o)6(m)2( )]TJ T* -0.003 Tw [(t)4(he P)4(r)-2(i)2(v)4(at)3(e)1( S)3(e)1(c)-2(t)3(or)-1( )6(H)-1(ou)6(s)-2(i)2(n)6(g M)2(anag)6(e)1(r)-2(.)4( )]TJ /F3 1 Tf 0 Tc 0 Tw ( )' T* -0.002 Tc [(VA)-4(T)-2( )]TJ /F5 1 Tf 0 -1.14371 TD 0 Tc ( )Tj T* 0.001 Tc 0.11 Tw [(I)4(f)3( a c)-2(ont)4(r)-2(a)6(c)-2(t)4(o)6(r)-1( )-1(o)1(r)-2( s)4(ur)-1(v)4(ey)4(o)6(r)5( )-1(i)2(s)-2( r)-2(eg)1(i)7(s)-2(t)4(er)4(ed)7( )-1(f)4(or)-1( )-1(V)4(A)3(T)1(,)4( t)3(hei)2(r)-1( )-1(V)4(A)3(T)1( num)2(b)6(er)-1( )-1(s)4(h)1(oul)1(d b)6(e i)2(nc)-2(l)1(u)6(ded)1( )5(w)-1(i)1(t)-2(h )]TJ 0 -1.1497 TD 0.104 Tw [(t)4(hei)1(r)-1( qu)6(ot)4(at)3(i)2(o)6(n.)3( I)4(f)3( t)4(hey)4( ar)-2(e)6( not)4( r)-2(e)1(gi)7(s)-2(t)4(e)6(r)-2(e)7(d )-1(f)4(or)-1( V)3(A)3(T)1(,)4( t)3(he C)-1(o)6(un)6(c)-2(i)1(l)2( w)-2(i)2(l)1(l)7( nee)1(d )5(w)-1(r)-1(i)1(t)4(t)3(en)6( c)-2(onf)4(i)1(r)5(m)2(at)3(i)2(on)6( )]TJ T* -0.004 Tw [(f)4(r)-2(om)2( t)3(hei)2(r)-2( a)6(c)4(c)4(ount)4(ant)4( )-1(\()-1(o)6(r)-1( )-1(s)-2(i)8(m)1(i)2(l)1(ar)-1(\))-1( )5(c)-2(on)1(f)3(i)7(r)-1(m)8(i)1(ng t)4(hi)1(s)-2( f)3(ac)-2(t)4(.)3( )]TJ 0 -1.14371 TD 0 Tc 0 Tw ( )Tj 0 -1.1497 TD 0.001 Tc 0.194 Tw [(S)3(om)2(e di)2(s)4(abl)7(ed)1( ada)6(pt)4(at)3(i)2(o)6(n w)-2(o)6(r)-1(k)-2( )6(c)-2(an )6(be z)-2(e)6(r)-1(o )6(r)-1(at)3(e)7(d i)1(n r)-1(e)6(s)-2(pe)6(c)-2(t)4( )6(of)3( V)4(A)3(T)1(.)4( T)1(he P)3(r)-1(i)1(v)4(a)1(t)3(e S)3(e)1(c)-2(t)3(or)-1( )]TJ T* -0.004 Tw [(H)-2(o)1(u)6(s)-2(i)1(n)6(g M)2(an)6(ager)-1( )5(w)-1(i)1(l)2(l)1( i)1(nf)4(or)5(m)1( y)4(ou of)3( w)-2(hi)2(c)4(h )-1(w)-1(or)5(k)-2( )-1(qu)6(al)2(i)1(f)4(i)1(es)-2(.)4( )]TJ 0 -1.14371 TD 0 Tc 0 Tw ( )Tj /F3 1 Tf 0 -1.15569 TD -0.002 Tw [(C)-3(an I)3( st)-3(a)5(rt)-2( )18(w)-12(ork)-1( )1(s)-1(t)-3(r)6(a)-1(i)3(ght)-2( )6(a)17(w)-24(a)-1(y)17(? )]TJ /F5 1 Tf 0 -1.14371 TD 0 Tw ( )Tj /F3 1 Tf T* 0.003 Tc (NO)Tj /F5 1 Tf 1.50299 0 Td 0 Tc (.)Tj 0.66467 0 Td 0.001 Tc 0.11 Tw [(Y)3(o)6(u)1( )5(s)-2(ho)7(ul)1(d n)6(ot)4( s)-2(t)3(a)6(r)-1(t)3( )6(any)4( w)5(or)4(k)-2( u)6(nt)4(i)1(l)2( y)4(ou )6(r)-2(ec)4(ei)2(v)4(e)6( y)4(our)5( )-1(l)2(oan)6( ap)6(pr)-1(ov)4(al)2( )5(d)1(o)6(c)-2(um)7(e)1(nt)3(.)4( N)-2(o)6( l)1(oa)7(n)6( )]TJ -2.16767 -1.1497 TD -0.003 Tw [(w)-2(i)2(l)1(l)2( be)1( pai)2(d f)4(o)6(r)-1( an)1(y)4( w)-1(o)6(r)-2(k)-2( )7(w)4(hi)2(c)-2(h )1(i)7(s)-2( )1(al)1(r)-1(e)6(ad)6(y)4( )1(s)-2(t)3(ar)-1(t)3(e)1(d or)-1( )1(h)6(as)-2( be)7(en f)4(i)1(ni)2(s)4(hed.)4( )]TJ 0 -1.14371 TD 0 Tc 0 Tw ( )Tj /F3 1 Tf 0 -1.15569 TD -0.003 Tw [(H)-3(o)19(w)-25( )6(do I)2( k)-1(n)6(o)18(w)-24( i)2(f)-2( )5(t)-2(he)-1( )18(w)-25(o)7(r)11(k )-1(i)3(s)-1( )-1(do)1(ne)-1( pr)6(ope)-1(rl)-4(y)18(? )]TJ /F5 1 Tf 0 -1.14371 TD 0 Tw ( )Tj T* 0.001 Tc 0.23 Tw [(S)3(up)1(er)-2(v)4(i)8(s)-2(i)1(ng t)10(he w)5(or)4(k)-2( o)1(f)3( )6(bui)2(l)1(de)6(r)-1(s)-2( )6(c)-2(a)6(n )6(b)1(e di)1(f)4(f)3(i)2(c)-2(ul)1(t)4( a)6(nd y)4(ou m)2(ay)10( w)-1(i)1(s)4(h t)4(o em)8(pl)1(oy)4( y)4(ou)1(r)-2( o)6(w)5(n)-6( )]TJ 0 -1.1497 TD 0.254 Tw [(ar)-1(c)4(hi)1(t)4(ec)-2(t)4( )6(or)-2( )6(s)-2(u)1(r)-2(v)4(ey)4(o)6(r)-1( o)6(r)-1( )6(s)-2(ee)6(k)-2( a)6(d)1(v)4(i)1(c)-2(e )6(f)4(r)-2(om)2( t)4(he A)3(n)6(c)-2(h)1(o)6(r)-2( S)4(t)3(ay)4(i)2(ng)6( P)3(u)1(t)3( -)-1( H)4(om)2(e)6( I)4(m)2(pr)-2(ov)4(e)1(m)7(en)6(t)4( )]TJ T* 0.068 Tw [(A)3(ge)1(nc)-2(y)4( )-1(\()-1(T)7(el)2(:)3( 0144)6(4)1( )-1(41)1(54)6(7)6(5\))-1(.)3( Y)3(ou w)-1(i)1(l)1(l)2( be l)1(i)1(a)1(bl)1(e f)3(o)1(r)-2( t)3(h)1(e )-1(c)-2(o)1(s)-2(t)3( of)3( t)4(hi)1(s)4( and i)1(f)4( a )-1(l)2(oan i)1(s)-2( appr)-1(ov)4(e)6(d,)4( )]TJ 0 -1.14371 TD 0.104 Tw [(any)4( r)-1(ea)6(s)-2(o)6(na)6(bl)2(e c)4(os)-2(t)9(s)-2( c)4(an)6( be i)1(n)7(c)-2(l)1(ud)6(ed.)10( Y)3(ou s)4(houl)2(d)6( )6(s)-2(ubm)2(i)1(t)4( )-1(t)4(h)6(e f)3(e)7(e )-1(s)4(c)-2(a)1(l)1(e f)9(r)-1(om)2( )6(y)4(our)-1( )5(s)-2(ur)-1(v)4(ey)4(o)6(r)-7( )]TJ 0 -1.1497 TD 0.074 Tw [(bef)4(or)-1(e )5(c)-2(on)1(f)3(i)8(r)4(m)2(i)1(ng)1( )-1(t)4(he app)6(oi)2(nt)3(m)2(ent)4(.)3( T)1(h)6(e C)-1(ou)6(nc)-2(i)1(l)2( )6(w)-2(i)1(l)2(l)1( s)-2(ay)4( w)-2(he)1(t)3(h)6(er)5( t)3(hey)4( c)-2(ons)-2(i)8(de)6(r)-1( )-1(t)4(he f)3(e)1(e )-1(t)4(o be )]TJ T* -0.004 Tw [(r)-1(ea)6(s)-2(on)6(abl)2(e.)3( )6(D)-2(e)1(t)3(ai)2(l)7(s)-2( of)3( P)3(r)-1(o)6(f)4(es)-2(s)-2(i)7(onal)2( )-1(I)4(nd)6(em)2(ni)2(t)3(y)4( i)1(ns)-2(u)6(r)-1(a)6(nc)-2(e )6(s)-2(ho)6(ul)2(d )-1(al)8(s)-2(o )-1(b)1(e )-1(p)6(r)-1(ov)4(i)2(de)6(d.)3( )]TJ 0 -1.14371 TD 0 Tc 0 Tw ( )Tj 0 -1.1497 TD 0.001 Tc 0.014 Tw [(T)1(he P)3(r)-1(i)1(v)4(a)1(t)3(e S)9(ec)-2(t)4(or)5( )-1(H)-1(o)6(us)-2(i)7(n)6(g)1( )-1(M)2(ana)6(ge)6(r)-1( i)1(s)-2( )6(not)3( r)-1(e)6(s)-2(po)6(ns)-2(i)7(b)7(l)1(e f)3(or)-1( )6(s)-2(upe)6(r)-1(v)4(i)7(s)-2(i)2(ng )-1(t)4(h)6(e w)4(or)5(k)4(s)-2( )-1(i)2(n p)6(r)-2(o)1(g)6(r)-2(e)6(s)4(s)-2(.)-2( )]TJ T* [(I)4(f)3( y)4(ou )-1(e)1(m)1(pl)2(oy)4( s)-2(om)1(e)6(o)1(ne )-1(t)4(o )6(s)-2(up)6(er)-1(v)4(i)1(s)4(e t)3(he)6( w)-1(or)4(k)4(s)-2(,)4( )-1(t)4(he C)4(oun)7(c)-2(i)1(l)1( w)-2(i)2(l)1(l)2( )-1(d)6(e)7(em)1( t)4(hat)3( pe)6(r)-1(s)4(on t)3(o be )6(ac)-2(t)3(i)2(n)6(g)6( )]TJ 0 -1.14371 TD [(on y)4(our)-1( )-1(be)7(hal)7(f)4( )-1(i)2(n )-1(r)-1(el)2(at)3(i)2(on t)3(o appr)-1(ov)4(i)1(n)7(g )-1(pa)6(y)4(m)2(ent)4(s)-2( )-1(t)4(o t)3(he c)-2(ont)4(r)-1(a)6(c)-2(t)3(o)6(r)-1( b)6(ut)3( y)4(ou w)-2(i)2(l)1(l)1( s)-2(t)4(i)1(l)2(l)1( be )-1(as)-2(k)4(e)1(d )-1(t)4(o )]TJ 0 -1.1497 TD -0.003 Tw [(s)-2(i)1(g)1(n a)6(nd)1( dat)4(e)6( )1(a c)-2(er)-1(t)4(i)1(f)4(i)1(c)4(at)4(e of)4( )1(c)-2(om)1(pl)2(et)4(i)1(o)6(n)6( )1(of)3( )1(t)3(h)1(e w)-1(or)4(k)-2(.)4( )]TJ 0 Tc 0 Tw ( )' /F3 1 Tf T* -0.002 Tw [(W)-2(ha)5(t)-2( h)1(a)-1(pp)6(e)5(n)1(s)-1( i)3(f)-3( )1(m)3(ore)-1( )18(w)-12(ork)-1( )1(i)2(s)-1( )1(f)-3(o)1(und 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