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Executive Summary <br />?A <br />8LIHIGEHIJVSQXS[EWXLI[EVQIWXIZIVVIGSVHIH3ZIVXLIPEWXXLVIIHIGEHIWIEGLLEWFIIR <br />[EVQIVXLERXLISRIFIJSVIERHWGMIRGIMWXIPPMRKYWXLEXXLMWXVIRH[MPPGSRXMRYI?A-REHHMXMSRXLIMRI\TIRWMZI <br />JSWWMPJYIPWXLEXSYVGSQQYRMX]ERHGSYRXV]HITIRHSRJSVXVERWTSVXEXMSRJSSHTVSHYGXMSRERHMRHYWXV]EVI <br />?A <br />TVSNIGXIHXSFIGSQIMRGVIEWMRKP]I\TIRWMZI)YKIRIMWNSMRMRKEKVS[MRKPMWXSJGMXMIWEVSYRHXLI[SVPHXLEXEVI <br />EHHVIWWMRKXLIWIGPMQEXIGLERKIERHIRIVK]GSRGIVRW[MXLETPERXSQIIXXLIGLEPPIRKIW[MXLZMWMSRERHGVIEXMZMX] <br />-RHIZIPSTMRKXLMWPSGEPTPERGSQQYRMX]PIEHIVWERHGMXM^IRWLEZIGPIEVP]VIGSKRM^IHXLIRIIHXSVIMQEKMRILS[ <br />[IPMZIIEXXVEZIPERHTPE]%W[I[SVOXSEHETXXSXLIYRGIVXEMRXMIWELIEH[IGERFIWYVIXLEXXLIFSPHRIWWSJ <br />SYVEGXMSRWXSHE][MPPHIXIVQMRIXLIUYEPMX]SJPMJIMR)YKIRIRS[ERHMRXSXLIJYXYVI <br />-RMRVIWTSRWIXSMRGVIEWMRKGSRGIVREFSYXKPSFEPGPMQEXIGLERKI <br />ERHXLITSXIRXMEPJSVZSPEXMPIERHVMWMRKJYIPTVMGIW)YKIRIvW'MX]'SYRGMP <br />%GXMSR4PER <br />8LI'SQQYRMX]'PMQEXIERH)RIVK]%GXMSR4PERKSEPW <br />6IHYGIGSQQYRMX][MHIKVIIRLSYWIKEWIQMWWMSRWTIVGIRX <br />FIPS[PIZIPWF] <br />6IHYGIGSQQYRMX][MHIJSWWMPJYIPYWITIVGIRXF] <br />-HIRXMJ]WXVEXIKMIWXLEX[MPPLIPTXLIGSQQYRMX]EHETXXSE <br />GLERKMRKGPMQEXIERHMRGVIEWMRKJSWWMPJYIPTVMGIW <br />8LI7M\%GXMSR%VIEW <br />PSSOWEXIRIVK]YWIHMRVIWMHIRXMEP <br />&YMPHMRKWERH)RIVK] <br />GSQQIVGMEPERHMRHYWXVMEPFYMPHMRKWMR)YKIRI8LMWWIGXMSRMRGPYHIW <br />VIGSQQIRHEXMSRWXSVIHYGIIRIVK]YWIMRI\MWXMRKFYMPHMRKWERHRI[ <br />GSRWXVYGXMSRI\TERHYWISJVIRI[EFPIIRIVK]ERHTVITEVIFYMPHMRKWJSV <br />GPMQEXIGLERKI <br />MRGPYHIWIZIV]XLMRKVIPEXIHXSSYVJSSH <br />*SSHERH%KVMGYPXYVI <br />TVSHYGXMSRHIPMZIV]HMWXVMFYXMSRERH[EWXIHMWTSWEP8LMWWIGXMSR <br />MRGPYHIWVIGSQQIRHEXMSRWXSVIHYGIGSRWYQTXMSRSJQIEXERHHEMV] <br />JSSHWVIHYGIKVIIRLSYWIKEWIQMWWMSRWEWWSGMEXIH[MXLEKVMGYPXYVIERH <br />JSSH[EWXITVSXIGXVIKMSREPJEVQPERHMRGVIEWILSQIERHPSGEPP]KVS[R <br />JSSHWERHTVITEVISYVJSSHW]WXIQWJSVERYRGIVXEMRJYXYVI <br />w7XEXISJXLI'PMQEXI+PSFEP%REP]WMWx2EXMSREP <br />3GIERMGERH%XQSWTLIVMG%HQMRMWXVEXMSR.YRI <br /> <br />w*SYVXL%WWIWWQIRX6ITSVX'PMQEXI <br />-4'' <br />'LERKIx-RXIVKSZIVRQIRXEP4ERIPSR <br />'PMQEXI'LERKI <br />w4IEOMRKSJ;SVPH3MP4VSHYGXMSR6IGIRX <br />*SVIGEWXWx97(ITEVXQIRXSJ)RIVK] <br /> <br />