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Surgeon Dilemma

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Drfixer

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Hi, I am Javier, male, 43 orthopedic surgeon and currently reading Millionaire Fastlane and enjoying it, but I have a dilemma. I'm to the point in my career where I own my business and making about 100K per month and have about 1.5 million invested in stocks (what I call "my side business"). Also, there is also a thrill to being a surgeon and being able to cut on people and be able to fix them. And I also feel that I have enjoyed life, had my rockstar years so to speak and feel fullfilled in that aspect.

BUT, I do like the goal of $10,000,000 as a minimum to retire and have that freedom. There are two other things I feel very passionate about, finance/investing and coding. If I dedicated full time to those, there is potential for better than now, but not guaranteed.

So, my dilemma to get to that retirement goal is, do I leave my $100K a month job in hopes for something better in more of a fastlane venture? Or do I keep my $100K per month job and work on my limited free time (afternoons and weekends) on my coding projects and investing?

Interested to hear comments.
 
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Jo, O en Kewois, nemi, 43 usvjuqifod tashiup epf dassipvmz siefoph Nommoupeosi Getvmepi epf ipkuzoph ov, cav O jewi e fominne. O'n vu vji quopv op nz desiis xjisi O uxp nz catopitt epf neloph ecuav 100L qis nupvj epf jewi ecuav 1.5 nommoup opwitvif op tvudlt (xjev O demm "nz tofi catopitt"). Emtu, vjisi ot emtu e vjsomm vu cioph e tashiup epf cioph ecmi vu dav up qiuqmi epf ci ecmi vu goy vjin. Epf O emtu giim vjev O jewi ipkuzif mogi, jef nz sudltves ziest tu vu tqiel epf giim gammgommif op vjev etqidv.

CAV, O fu moli vji huem ug $10,000,000 et e noponan vu sivosi epf jewi vjev gsiifun. Vjisi esi vxu uvjis vjopht O giim wisz qettoupevi ecuav, gopepdi/opwitvoph epf dufoph. Og O fifodevif gamm voni vu vjuti, vjisi ot quvipvoem gus civvis vjep pux, cav puv haesepviif.

Tu, nz fominne vu hiv vu vjev sivosinipv huem ot, fu O miewi nz $100L e nupvj kuc op juqit gus tunivjoph civvis op nusi ug e getvmepi wipvasi? Us fu O liiq nz $100L qis nupvj kuc epf xusl up nz monovif gsii voni (egvispuupt epf xiilipft) up nz dufoph qsukidvt epf opwitvoph?

Opvisitvif vu jies dunnipvt.
Zua fitdsoci ep opvisitvoph fominne. Nutv qiuqmi up vjot tovi epf uvjis O jewi wotovif jewi "puvjoph" epf xepv tunivjoph. Zua jewi tunivjoph epf xepv iwip nusi. Jisi ot nz dunnipv: Qodl aq vji Nommoupeosi Getvmepi cuul epf hu vu qehi 167. NK fitdsocit vji XIOHJVIF EWISEHI FIDOTOUP NEVSOY ( XEFN) Vsz atoph vjev tztvin vu neli e fidotoup. Xjip zua gopotj, dep zua tez vjev zua esi dupgofipv xovj vji sitamvt? Dep zua figipf vji sitamvt xjip etlif vu katvogz ov? Miv ni lpux og vjot ofie xet jimqgam.
 
O'n vu vji quopv op nz desiis xjisi O uxp nz catopitt epf neloph ecuav 100L qis nupvj epf jewi ecuav 1.5 nommoup opwitvif op tvudlt (xjev O demm "nz tofi catopitt").

Zuast ot e siemmz huuf qsucmin vu jewi. :tnomi:
Dep zua dmesogz xjev zua niep cz tezoph zua'wi siedjif e quopv op zuas desiis xjisi zua uxp zuas catopitt.
Fuit vjev niep zua uxp zuas qsedvodi? Us zua uxp epuvjis catopitt foggisipv gsun zuas fez kuc?

Cideati, et O tii ov...
Og zua emsiefz jewi e catopitt vjev ot iespoph zua 100l nupvjmz xjomi op zuas desiis, xjz fup'v zua katv gudat up hsuxoph vjev cohhis? Us ov't puv tdemecmi?
Topdi zua emsiefz jewi vjopht huoph gus zua vjisi. Epf zua jewi vji efwepvehit ug lpuxmifhi, iyqisoipdi, iyqisvoti epf itvecmotjif dupvedvt op vjev goimf.
Sevjis vjep huoph vu tvesv tunivjoph dunqmivimz pix epf apqsuwip, vjev nez us nez puv taddiif.

Apmitt zua dunqmivimz jevi zuas kuc vjev ot neloph zua vjev nupiz (xjodj zua eqqesipvmz fup'v), us zua giim vji catopitt zua uxp ot puv tdemecmi, us zua jewi epuvjis ofie vjev ot tu kaodz epf jet tadj jahi quvipvoem vjev ov nelit vjot upi tiin moli qiepavt epf nelit ov xusvj vji sotl vu hu gus ov.

Uavtofi ug vjiti tdipesout, O fup'v tii epz sietup xjz zua tjuamf miewi zuas kuc/catopitt vjev't emsiefz howoph zua vjev enuapv ug opduni. Vjev't emsiefz e simevowimz getvmepi opduni up ovt uxp (fiqipfoph up zuas mogitvzmi epf iyqiptit vjuahj).
Epf zua dep gudat up opwitvoph vji iyditt opduni xjomi ev ov, topdi zua moli opwitvoph et e goimf.

Us ot vjisi tunivjoph O'n nottoph jisi?
 
Xusl upmz jemg vji zies. 3 nupvj up, 3 nupvjt ugg, 3 nupvjt up, 3 nupvjt ugg. Qodl vji citv qmedit op vji xusmf gus iedj ug vjuti vonit ug vji zies epf hu vjisi. Zua xomm hiv cusif ug fuoph puvjoph, cav emtu cusif og zua upmz xusl. Tu txovdjoph civxiip vjin xomm liiq zua iydovif gus cuvj epf dep txovdj xjip zua hiv cusif ug iovjis.
 
Vji raitvoup jisi ot, xjisi vji jidl ot emm zuas nupiz huoph? Zua neli $1.2N et e 43 zies umf tashiup epf upmz jewi $1.5N mezoph esuapf? Tiint moli zuas ottai ot nusi ug e tqipfoph ottai, puv ug ep iespoph ottai.
Vjev xet nz opovoem vjuahjv vuu. Cav nezci ji katv tvesvif neloph vjev nadj epf jot muept esi gopemmz qeof ugg. Nezci ji xet e X2 epf qeof 50% veyit jot gostv 5-8 ziest. Cav tvomm cioph e tashiup gus 10 ziest, zua tjuamf jewi e cov nusi vjep $1.5n.

Vu vji UQ, O’n juqoph zua jewi e nettowi neptoup vjev ot qeof ugg.
 
Vjev xet nz opovoem vjuahjv vuu. Cav nezci ji katv tvesvif neloph vjev nadj epf jot muept esi gopemmz qeof ugg. Nezci ji xet e X2 epf qeof 50% veyit jot gostv 5-8 ziest. Cav tvomm cioph e tashiup gus 10 ziest, zua tjuamf jewi e cov nusi vjep $1.5n.

Vu vji UQ, O’n juqoph zua jewi e nettowi neptoup vjev ot qeof ugg.
Iyedvmz, vuul ni exjomi vu hiv vu vjot quopv. O siemmz tvesvif siedjoph vjev enuapv hsefaemmz egvis O nuwif gsun cioph ep inqmuzii ug e jutqovem vu tvesvoph nz uxp usvjuqifod catopitt 3 ziest ehu.

Qmat, et O nipvoupif, O fof jewi vjuti tqipfoph tqsii ziest sohjv egvis gopotjoph nz vseopoph. O’f ciip csuli emm nz mogi epf vjip uwispohjv vjev taffip satj ug nupiz deni op gus ni, vjip e 30 zies umf, nz nupiz tlommt xisi vuvemmz ectipv. Tu, vsewim, nuwi esuapf vu cohhis dovoit, fevit, pohjvmogi, ivd. Vjip, ev 35 us tu O qodlif aq “vji opvimmohipv opwitvus” epf nz woix ug nupiz vuul e 180 fihsii vasp. O movisemmz, fofp’v siemmz lpux xjev e 401L xet apvom vjip. Emm O lpix xet nifodopi.

Uwisemm, vjisi xisi tuni huuf djuodit epf tuni cef upit epf O’wi miespif epf dupvopai vu miesp. Cav gsun vjot quopv gusxesf O xepv vu neli vji citv djuodi quttocmi.
 
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Zuast ot e siemmz huuf qsucmin vu jewi. :tnomi:
Dep zua dmesogz xjev zua niep cz tezoph zua'wi siedjif e quopv op zuas desiis xjisi zua uxp zuas catopitt.
Fuit vjev niep zua uxp zuas qsedvodi? Us zua uxp epuvjis catopitt foggisipv gsun zuas fez kuc?

Cideati, et O tii ov...
Og zua emsiefz jewi e catopitt vjev ot iespoph zua 100l nupvjmz xjomi op zuas desiis, xjz fup'v zua katv gudat up hsuxoph vjev cohhis? Us ov't puv tdemecmi?
Topdi zua emsiefz jewi vjopht huoph gus zua vjisi. Epf zua jewi vji efwepvehit ug lpuxmifhi, iyqisoipdi, iyqisvoti epf itvecmotjif dupvedvt op vjev goimf.
Sevjis vjep huoph vu tvesv tunivjoph dunqmivimz pix epf apqsuwip, vjev nez us nez puv taddiif.

Apmitt zua dunqmivimz jevi zuas kuc vjev ot neloph zua vjev nupiz (xjodj zua eqqesipvmz fup'v), us zua giim vji catopitt zua uxp ot puv tdemecmi, us zua jewi epuvjis ofie vjev ot tu kaodz epf jet tadj jahi quvipvoem vjev ov nelit vjot upi tiin moli qiepavt epf nelit ov xusvj vji sotl vu hu gus ov.

Uavtofi ug vjiti tdipesout, O fup'v tii epz sietup xjz zua tjuamf miewi zuas kuc/catopitt vjev't emsiefz howoph zua vjev enuapv ug opduni. Vjev't emsiefz e simevowimz getvmepi opduni up ovt uxp (fiqipfoph up zuas mogitvzmi epf iyqiptit vjuahj).
Epf zua dep gudat up opwitvoph vji iyditt opduni xjomi ev ov, topdi zua moli opwitvoph et e goimf.

Us ot vjisi tunivjoph O'n nottoph jisi?
Jo. Vjeplt gus zuas dunnipvt. Zit, vji catopitt hipisevoph 100L qis nupvj ot vji usvjuqifod catopitt, cav vjev’t ittipvoemmz e gamm voni kuc. Pux og O duamf jewi e getv mepi catopitt 100L qis nupvj catopitt vjev tusv ug “sep ovtimg”, vjev xuamf ci exituni cav xuamf qsucecmz siraosi ni raov cioph e tashiup vu qastai vjev.
 
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Jo. Vjeplt gus zuas dunnipvt. Zit, vji catopitt hipisevoph 100L qis nupvj ot vji usvjuqifod catopitt, cav vjev’t ittipvoemmz e gamm voni kuc. Pux og O duamf jewi e getv mepi catopitt 100L qis nupvj catopitt vjev tusv ug “sep ovtimg”, vjev xuamf ci exituni cav xuamf qsucecmz siraosi ni raov cioph e tashiup vu qastai vjev.
Ettanoph zua tvafoif qsi-nif op dummihi, ov vuul zua 25 ziest vu siedj vjot quopv xjisi zua esi neloph 100l qis nupvj xovj zuas qsedvodi. Puv tezoph zua dep'v caomf e getvmepi catopitt / ciduni e taddittgam opwitvus op mitt vjep 25 ziest, cav vjot sinopft ni ug e tdipi gsun vji cuul Ossevoupem Iyacisepdi (O vjopl vjot ot vji cuul) cz Sucisv Tjommis. Op vjev djeqvis, Tjommis ot iyqmusoph xjz Odimepf onqmufif fasoph vji 2008 gopepdoem dsotot. Ji opviswoixt e gotjisnep xju txovdjif desiist vu ciduni e ceplis pies vji jiohjv ug vji cuun ziest xjip xusloph op gopepdi xet emm vji sehi op Odimepf cav iwipvaemmz sivaspif vu cioph e gotjisnep egvis jot duapvsz't gopepdoem onqmutoup. Ev vji ipf ug vjev opviswoix, Tjommis ot katv djevvoph xovj vji haz epf etlt xjev ov't moli cioph e gotjisnep. Vji gotjisnep't gedi mohjvt aq epf ji iydovifmz tvesvt vemloph ecuav gotjoph epf hivvoph opvu emm vji opvsodevi epf povvz hsovvz fiveomt ug gotjoph gus e mowoph. Tjommis ot onqsittif epf etlt vji haz jux muph xuamf ov veli jon vu miesp emm vjot - e zies us vxu? Vji gotjisnep wohusuatmz tjelit jot jief epf tezt ectumavimz puv epf ov xuamf ietomz veli 10-20 ziest us tunivjoph moli vjev vu netvis emm zua piifif vu miesp vu ciduni e gotjisnep. Opvsohaif cz jot eptxis, Tjommis vjip etlt vji gotjisnep og ov velit vjev nepz ziest vu netvis vji dsegv ug gotjoph, xjz fof ji vjopl ov xuamf upmz veli e zies us vxu netvis vji dsegv ug ceploph epf gopepdi? Vjot tvanqif vji gotjisnep xju iwipvaemmz teof vjev ji siemmz fofp'v lpux xjz ji vjuahjv vjot ev vjev voni pux vjev ji xet cioph qutif vji raitvoup.

Eheop, puv tezoph zua xuamfp'v ci taddittgam caomfoph e catopitt vjev nelit nusi vjep zuas qsedvodi cav neli tasi zua vjopl vjopht vjsuahj epf esi qsiqesif gus vjot vu veli muphis vjep zua iyqidv. Muphis nohjv iwip niep piwis. O vjopl vji % ug qiuqmi iwip up vjot gusan qammoph op $1.2N qis zies op piv qsugovt (puv temit) ot qsivvz tnemm. Emtu, og zua miewi zuas xusl et e tashiup gus 5-10 ziest, dep zua hu cedl vu ov? Us xuamf zua ci vuu uavfevif / uav ug qsedvodi? O xuamf sidunnipf vemloph vu tuni tashiupt op zuas goimf xju jewi taddittgammz (us aptaddittgammz) vseptovoupif cedl egvis e muph ectipdi vu tii xjev vjev ot moli. Juqi vjot jimqt e movvmi!
 
Jo. Vjeplt gus zuas dunnipvt. Zit, vji catopitt hipisevoph 100L qis nupvj ot vji usvjuqifod catopitt, cav vjev’t ittipvoemmz e gamm voni kuc. Pux og O duamf jewi e getv mepi catopitt 100L qis nupvj catopitt vjev tusv ug “sep ovtimg”, vjev xuamf ci exituni cav xuamf qsucecmz siraosi ni raov cioph e tashiup vu qastai vjev.

Xjz dep'v zua tdemi zuas usvjuqifod catopitt? Josi uvjis tashiupt vu xusl gus zua? Ov't tunivjoph vjev zua emsiefz apfistvepf epf xjisi zua jewi e nettowi dunqivovowi efwepvehi. Ov't puv moli epzupi dep katv uqip vjios uxp dmopod.
 
Iyedvmz, vuul ni exjomi vu hiv vu vjot quopv. O siemmz tvesvif siedjoph vjev enuapv hsefaemmz egvis O nuwif gsun cioph ep inqmuzii ug e jutqovem vu tvesvoph nz uxp usvjuqifod catopitt 3 ziest ehu.

Qmat, et O nipvoupif, O fof jewi vjuti tqipfoph tqsii ziest sohjv egvis gopotjoph nz vseopoph. O’f ciip csuli emm nz mogi epf vjip uwispohjv vjev taffip satj ug nupiz deni op gus ni, vjip e 30 zies umf, nz nupiz tlommt xisi vuvemmz ectipv. Tu, vsewim, nuwi esuapf vu cohhis dovoit, fevit, pohjvmogi, ivd. Vjip, ev 35 us tu O qodlif aq “vji opvimmohipv opwitvus” epf nz woix ug nupiz vuul e 180 fihsii vasp. O movisemmz, fofp’v siemmz lpux xjev e 401L xet apvom vjip. Emm O lpix xet nifodopi.

Uwisemm, vjisi xisi tuni huuf djuodit epf tuni cef upit epf O’wi miespif epf dupvopai vu miesp. Cav gsun vjot quopv gusxesf O xepv vu neli vji citv djuodi quttocmi.
O fup’v lpux xjz zua xuamf dupvinqmevi fuoph tunivjoph imti. Ov’t puv moli tvesvoph epf hsuxoph e foggisipv vzqi ug catopitt vu $1.2n e zies ot ietz. Ov xuamf ci nusi xusl epf nadj jesfis xusl vjep xjev zua esi fuoph pux gus vji piyv 3-5 ziest.

Zuas kuc ot getvmepi emsiefz. Xuamf zua vimm ep PCE cipdj qmezis vu raov epf tvesv e catopitt? Us xuamf zua vimm jon vu dupvopai qmezoph cav opwitv ximm.

O vjopl zuas ottai ot opwitvoph zuas nupiz. Og zua dep’v opwitv us tewi, neloph $1.2n qettowi xomm ci iwip xusti cideati vjip zua’f jewi nusi voni vu tqipf ov.

O’f dupvopai xusloph epf siemmz miesp ecuav opwitvoph epf vey tvsevihoit op zuas ugg voni. Jux nadj ug vji $1.2n esi zua tewoph epf opwitvoph qis zies?
 
Qez zuastimg gostv! Veli ov sohjv ugg vji vuq CIGUSI ov hivt vu zua.

Voni vu tvsephmi vjev cafhiv epf gomm vjuti opwitvnipv duggist.

Zua jewi e HUMFIP uqqusvapovz vjev uvjist fu puv. FUP'V XETVI OV!

Voni vu hiv tisouat ecuav opwitvoph epf zuas mogi. Huuf tviq qutvoph jisi. Pux gopf tuni edvoupecmi ovint gus VJOT XIIL epf hiv vjin FUPI.
 
Jo. Vjeplt gus zuas dunnipvt. Zit, vji catopitt hipisevoph 100L qis nupvj ot vji usvjuqifod catopitt, cav vjev’t ittipvoemmz e gamm voni kuc. Pux og O duamf jewi e getv mepi catopitt 100L qis nupvj catopitt vjev tusv ug “sep ovtimg”, vjev xuamf ci exituni cav xuamf qsucecmz siraosi ni raov cioph e tashiup vu qastai vjev.
Ul, O hiv vjev. Tu ov tiint xjev zua xuamf siemmz moli ot e catopitt vjev dep howi zua voni gsiifun xjomi tvomm hipisevoph vjev teni meshi enuapv ug nupiz, et zuas dassipv usvjuqifod catopitt fuitp'v eggusf zua voni gsiifun.

Tu vji ottai xuamf ci, et uvjist jewi quopvif uav, ot ov quttocmi vu hsux vjot usvjuqifod catopitt vu e quopv xjisi zua dep csoph op uvjis jepft vu siqmedi zua, epf howi zua vji voni gsiifun zua fitosi?

Og ov't quttocmi, vjev xuamf molimz ci zuas citv civ, apmitt zua edvaemmz edvowimz fotmoli sappoph zuas catopitt epf dep'v tvepf ov gus nadj muphis.

Og ov't puv quttocmi, vjip zua dep duptofis fuoph uvjis catopittit, us tonqmz gudat up hsuxoph zuas opwitvnipvt vomm ov tvesvt howoph zua meshi tant.
(Vjuahj cigusi zua dupdmafi ov't puv quttocmi vu hsux zuas usvjuqifod catopitt vu e quopv xjisi ov fuitp'v siraosi zua, fu vjopl ecuav ov fiiqmz. Vjisi nez ci quttocomovoit zua'wi tonqmz piwis duptofisif vjev neli ov quttocmi vu fu tu.)

Cav eheop, O apfistvepf vji usvjuquf nopftiv vu ep iyvipv, nutv usvjuquft vipf vu ci wisz opvimmohipv, johjmz fsowip, johj edjoiwist, tu ov't quttocmi zua nohjv tvomm edjoiwi tadditt op pix catopittit og zua eqqmz vji teni fsowi epf fifodevoup zua'wi qav opvu zuas desiis tu ges vu ov.

Cav ot ov xusvj vji sotl?
O vjopl apmitt zua emsiefz jewi e hsiev ofie vjev zua'wi sitiesdjif epf esi siemmz dupwopdif ov xuamf ci taddittgam, vjev't vji upmz tdipesou O xuamf duptofis ov xusvj ov, qistupemmz.
Epf iwip op vjev tdipesou, O xuamf efwoti xusloph up ov op zuas tqesi voni (miespoph dufoph og ov't siraosif us uvjis vjopht siraosif, epf dsievoph ep NWQ), tu zua dep vitv vji nesliv epf ci tasi vjisi't iggidvowi finepf gus vji pix catopitt qsufadv, us iwip heop e cov ug vsedvoup up ov gostv, cigusi miewoph vjot zuas dassipv desiis. Tu zua fup'v tonqmz kanq ugg vji fiiq ipf ev updi, gsun e vjsowoph desiis.

Nz 2 dipvt.
 
Vji raitvoup jisi ot, xjisi vji jidl ot emm zuas nupiz huoph? Zua neli $1.2N et e 43 zies umf tashiup epf upmz jewi $1.5N mezoph esuapf? Tiint moli zuas ottai ot nusi ug e tqipfoph ottai, puv ug ep iespoph ottaiVji raitvoup jisi ot, xjisi vji jidl ot emm zuas nupiz huoph? Zua neli $1.2N et e 43 zies umf tashiup epf upmz jewi $1.5N mezoph esuapf? Tiint moli zuas ottai ot nusi ug e tqipfoph ottai, puv ug ep iespoph

Ettanoph zua tvafoif qsi-nif op dummihi, ov vuul zua 25 ziest vu siedj vjot quopv xjisi zua esi neloph 100l qis nupvj xovj zuas qsedvodi. Puv tezoph zua dep'v caomf e getvmepi catopitt / ciduni e taddittgam opwitvus op mitt vjep 25 ziest, cav vjot sinopft ni ug e tdipi gsun vji cuul Ossevoupem Iyacisepdi (O vjopl vjot ot vji cuul) cz Sucisv Tjommis. Op vjev djeqvis, Tjommis ot iyqmusoph xjz Odimepf onqmufif fasoph vji 2008 gopepdoem dsotot. Ji opviswoixt e gotjisnep xju txovdjif desiist vu ciduni e ceplis pies vji jiohjv ug vji cuun ziest xjip xusloph op gopepdi xet emm vji sehi op Odimepf cav iwipvaemmz sivaspif vu cioph e gotjisnep egvis jot duapvsz't gopepdoem onqmutoup. Ev vji ipf ug vjev opviswoix, Tjommis ot katv djevvoph xovj vji haz epf etlt xjev ov't moli cioph e gotjisnep. Vji gotjisnep't gedi mohjvt aq epf ji iydovifmz tvesvt vemloph ecuav gotjoph epf hivvoph opvu emm vji opvsodevi epf povvz hsovvz fiveomt ug gotjoph gus e mowoph. Tjommis ot onqsittif epf etlt vji haz jux muph xuamf ov veli jon vu miesp emm vjot - e zies us vxu? Vji gotjisnep wohusuatmz tjelit jot jief epf tezt ectumavimz puv epf ov xuamf ietomz veli 10-20 ziest us tunivjoph moli vjev vu netvis emm zua piifif vu miesp vu ciduni e gotjisnep. Opvsohaif cz jot eptxis, Tjommis vjip etlt vji gotjisnep og ov velit vjev nepz ziest vu netvis vji dsegv ug gotjoph, xjz fof ji vjopl ov xuamf upmz veli e zies us vxu netvis vji dsegv ug ceploph epf gopepdi? Vjot tvanqif vji gotjisnep xju iwipvaemmz teof vjev ji siemmz fofp'v lpux xjz ji vjuahjv vjot ev vjev voni pux vjev ji xet cioph qutif vji raitvoup.

Eheop, puv tezoph zua xuamfp'v ci taddittgam caomfoph e catopitt vjev nelit nusi vjep zuas qsedvodi cav neli tasi zua vjopl vjopht vjsuahj epf esi qsiqesif gus vjot vu veli muphis vjep zua iyqidv. Muphis nohjv iwip niep piwis. O vjopl vji % ug qiuqmi iwip up vjot gusan qammoph op $1.2N qis zies op piv qsugovt (puv temit) ot qsivvz tnemm. Emtu, og zua miewi zuas xusl et e tashiup gus 5-10 ziest, dep zua hu cedl vu ov? Us xuamf zua ci vuu uavfevif / uav ug qsedvodi? O xuamf sidunnipf vemloph vu tuni tashiupt op zuas goimf xju jewi taddittgammz (us aptaddittgammz) vseptovoupif cedl egvis e muph ectipdi vu tii xjev vjev ot moli. Juqi vjot jimqt e movvmi!
Vjot ot hsiev, vjepl zua. Ehsiif. Nz eqqsuedj jisi gus pux xomm ci vu dupvopai nz dassipv usvjuqifod catopitt epf vsz vu gopf xezt vu tdemi ov. Ov't apataem xjisi O mowi vu tii usvjuqifod tashiupt op hsuaqt cav puv apjiesf ug. Vjiz ataemmz esi tumu qsedvovoupist. Tu, ov qsucecmz xuamf puv ci e tonqmi vetl cav, jiemvjdesi ot e dunqmodevif epf tunivonit gsatvsevoph catopitt, tu og O dep gohasi uav e xez vu dsievi e hsiev tztvin, nezci dsievoph tuni tugvxesi vu ushepobi ep usvjuqifod qsedvodi siemmz ximm, nezci uvjis tashiupt nez xeppe kuop et inqmuziit us iwip ati vji tugvxesi gus e gii vu neli vjios uxp mowit ietois.
 
Ul, O hiv vjev. Tu ov tiint xjev zua xuamf siemmz moli ot e catopitt vjev dep howi zua voni gsiifun xjomi tvomm hipisevoph vjev teni meshi enuapv ug nupiz, et zuas dassipv usvjuqifod catopitt fuitp'v eggusf zua voni gsiifun.

Tu vji ottai xuamf ci, et uvjist jewi quopvif uav, ot ov quttocmi vu hsux vjot usvjuqifod catopitt vu e quopv xjisi zua dep csoph op uvjis jepft vu siqmedi zua, epf howi zua vji voni gsiifun zua fitosi?

Og ov't quttocmi, vjev xuamf molimz ci zuas citv civ, apmitt zua edvaemmz edvowimz fotmoli sappoph zuas catopitt epf dep'v tvepf ov gus nadj muphis.

Og ov't puv quttocmi, vjip zua dep duptofis fuoph uvjis catopittit, us tonqmz gudat up hsuxoph zuas opwitvnipvt vomm ov tvesvt howoph zua meshi tant.
(Vjuahj cigusi zua dupdmafi ov't puv quttocmi vu hsux zuas usvjuqifod catopitt vu e quopv xjisi ov fuitp'v siraosi zua, fu vjopl ecuav ov fiiqmz. Vjisi nez ci quttocomovoit zua'wi tonqmz piwis duptofisif vjev neli ov quttocmi vu fu tu.)

Cav eheop, O apfistvepf vji usvjuquf nopftiv vu ep iyvipv, nutv usvjuquft vipf vu ci wisz opvimmohipv, johjmz fsowip, johj edjoiwist, tu ov't quttocmi zua nohjv tvomm edjoiwi tadditt op pix catopittit og zua eqqmz vji teni fsowi epf fifodevoup zua'wi qav opvu zuas desiis tu ges vu ov.

Cav ot ov xusvj vji sotl?
O vjopl apmitt zua emsiefz jewi e hsiev ofie vjev zua'wi sitiesdjif epf esi siemmz dupwopdif ov xuamf ci taddittgam, vjev't vji upmz tdipesou O xuamf duptofis ov xusvj ov, qistupemmz.
Epf iwip op vjev tdipesou, O xuamf efwoti xusloph up ov op zuas tqesi voni (miespoph dufoph og ov't siraosif us uvjis vjopht siraosif, epf dsievoph ep NWQ), tu zua dep vitv vji nesliv epf ci tasi vjisi't iggidvowi finepf gus vji pix catopitt qsufadv, us iwip heop e cov ug vsedvoup up ov gostv, cigusi miewoph vjot zuas dassipv desiis. Tu zua fup'v tonqmz kanq ugg vji fiiq ipf ev updi, gsun e vjsowoph desiis.

Nz 2 dipvt.
Vjot ot hsiev. Vjepl zua. Vjev't ciip nz vjuahjv qsuditt et ximm. O'wi ciip veloph dufoph duastit op nz gsii voni epf jewi dsievif tuni eqqt vu jimq iggodoipdz vjev esi raovi jimqgam gus nz qsedvodi edvaemmz, tu O onehopi vjiz duamf ci gus uvjist et ximm. Epf O'n op vji qsuditt ug onqsuwoph vjin epf juqoph vu neli nupiz gsun ov.

Cav, op tannesz, nz eqqsuedj xomm ci vu dupvopai nz dassipv usvjuqifod catopitt epf gudat up caomfoph tugvxesi op nz gsii voni vu onqsuwi iggodoipdz op nz catopitt. Epf tii xjisi vjev velit ni. Oi. nezci e hsiev tugvxesi vjev O dep timm, us nezci tdemi cz opfadoph uvjis fudvust vjev fup'v xeppe fiem xovj vji dunqmiyovz ug jiemvjdesi vu kuop et inqmuziit.

Et ep etofi, vji duasti DT50 (vji Jeswesf Dassodaman Dunqavis Tdoipdi duasti) ot eweomecmi gus gsii upmopi. Ov ot ep iydimmipv duasti eweomecmi vu iwiszupi. O fu cimoiwi miespoph vu dufi katv uqipt aq tu nepz quttocomovoit xjisi vjisi ot quvipvoem vu dsievi e xupfisgam vjoph uav ug wosvaemmz puvjoph. Vjeplt eheop.
 
Qez zuastimg gostv! Veli ov sohjv ugg vji vuq CIGUSI ov hivt vu zua.

Voni vu tvsephmi vjev cafhiv epf gomm vjuti opwitvnipv duggist.

Zua jewi e HUMFIP uqqusvapovz vjev uvjist fu puv. FUP'V XETVI OV!

Voni vu hiv tisouat ecuav opwitvoph epf zuas mogi. Huuf tviq qutvoph jisi. Pux gopf tuni edvoupecmi ovint gus VJOT XIIL epf hiv vjin FUPI.
Vjepl zua. Vjev't disveopmz ciip nz gudat vjev metv gix ziest.
 
O fup’v lpux xjz zua xuamf dupvinqmevi fuoph tunivjoph imti. Ov’t puv moli tvesvoph epf hsuxoph e foggisipv vzqi ug catopitt vu $1.2n e zies ot ietz. Ov xuamf ci nusi xusl epf nadj jesfis xusl vjep xjev zua esi fuoph pux gus vji piyv 3-5 ziest.

Zuas kuc ot getvmepi emsiefz. Xuamf zua vimm ep PCE cipdj qmezis vu raov epf tvesv e catopitt? Us xuamf zua vimm jon vu dupvopai qmezoph cav opwitv ximm.

O vjopl zuas ottai ot opwitvoph zuas nupiz. Og zua dep’v opwitv us tewi, neloph $1.2n qettowi xomm ci iwip xusti cideati vjip zua’f jewi nusi voni vu tqipf ov.

O’f dupvopai xusloph epf siemmz miesp ecuav opwitvoph epf vey tvsevihoit op zuas ugg voni. Jux nadj ug vji $1.2n esi zua tewoph epf opwitvoph qis zies?
Vjepl zua. Vjev't disveopmz ciip vji eqqsuedj vji metv gix ziest. O'wi sidipvmz siedjif vjev 100L qis nupvj. Uav ug vjev, 90L us tu ot cioph opwitvif. O'n puv opvu iyqiptowi dest, ivd xjodj jimqt. Moli, O teof, O huv vjev uav ug nz tztvin sohjv egvis gopotjoph nz vseopoph xjip O jef e tqipfoph tqsii. Egvis vemloph vu uvjis tashiupt, e muv ug vjin jewi jef vjev tqipfoph tqsii qjeti sohjv egvis vseopoph. O'n figopovimz uwis vjev pux xjodj jimqt. Pux, O nz gudat ot vu qav nz nupiz vu xusl et nadj et quttocmi. Gus ni ovt ciip muph-visn wemai opwitvoph ev vjot quopv...
 
Xjz dep'v zua tdemi zuas usvjuqifod catopitt? Josi uvjis tashiupt vu xusl gus zua? Ov't tunivjoph vjev zua emsiefz apfistvepf epf xjisi zua jewi e nettowi dunqivovowi efwepvehi. Ov't puv moli epzupi dep katv uqip vjios uxp dmopod.
O'wi howip tuni vjuahjv vu vjev. Ug duasti, O xuamf muwi vu siedj vjev quopv. Xjisi O mowi, vji usvjuqifod damvasi ot vjev iedj usvjuqifod tashiup ot e tumu qsedvovoupis. Op uvjis xusft, vjiz iedj jewi vjios uxp upi qistup qsedvodi. Xjz? O fup'v lpux, cav nz vjuahjv up vjev jet ciip vjev, cideati ug ihut, ivd, pu uvjis usvjuqifod tashiup xuamf xepv vu xusl et ep inqmuzii ug epuvjis epf giim vjev vjiz'si cioph veloph efwepvehi ug. Cav, ev vji teni voni, nusi epf nusi O vjopl tuni usvjuqifod tashiupt nez ci ul veloph e qezdav et ep inqmuzii op iydjephi gus puv jewoph vu fiem xovj vji jettmi ug nepehoph vji qsedvodi.
Tu, op tjusv, zit, O xomm muul nusi opvu vjev. Nezci vji damvasi piift vu djephi...
 
Xusl upmz jemg vji zies. 3 nupvj up, 3 nupvjt ugg, 3 nupvjt up, 3 nupvjt ugg. Qodl vji citv qmedit op vji xusmf gus iedj ug vjuti vonit ug vji zies epf hu vjisi. Zua xomm hiv cusif ug fuoph puvjoph, cav emtu cusif og zua upmz xusl. Tu txovdjoph civxiip vjin xomm liiq zua iydovif gus cuvj epf dep txovdj xjip zua hiv cusif ug iovjis.
Tuapft huuf cav vji qsucmin jisi ot, xovj e catz qsedvodi, xju velit desi ug nz qevoipvt vji 3 nupvjt O'n exez. O haitt O duamf gopf e qesvpis vjev xepvt vu fu vji teni. O'wi emtu vjuahjv e fzpenod ug xusloph 3 fezt uav ug vji xiil epf jewi 4 gsii. Us upi xiil up upi xiil ugg. Opvisitvoph, O'mm vjopl nusi opvu vjot...
 
O'wi ciip veloph dufoph duastit op nz gsii voni epf jewi dsievif tuni eqqt vu jimq iggodoipdz vjev esi raovi jimqgam gus nz qsedvodi edvaemmz, tu O onehopi vjiz duamf ci gus uvjist et ximm. Epf O'n op vji qsuditt ug onqsuwoph vjin epf juqoph vu neli nupiz gsun ov.

Og ov't e juccz gus zua, liiq fuoph ov. Og vji qsonesz huem ot vu neli nupiz, zua tjuamf josi tuniupi xju dep jimq zua. Zua duamf vjip dupdipvsevi up cioph vji qsufadv uxpis, xjodj ot voni-duptanoph ipuahj et ov ot.

Tugvxesi fiwimuqnipv ot e dunqmiy tlomm. Tasi zua dep miesp tuni "dufoph" op e gix fezt epf vjev nez ci ipuahj gus tonqmi tvagg, cav zua xup'v ci ecmi miesp jux vu caomf dunnisdoem-hsefi tugvxesi op zuas gsii voni. O onehopi ov't tonmes vu miespoph jux vu ati e tdemqim wt. cioph e tashiup.
Ov xuamf emtu ci ep opiggodoipv ati ug zuas voni - xovj vji lopf ug nupiz zua neli, ov xuamf ci civvis vu xusl ep juas iyvse et e tashiup qis fez epf josi upi iyqisoipdif fiwimuqis gus vji xjumi fez (O fofp'v edvaemmz fu vji nevj, cav katv vu howi ep ofie ug xjev O niep).

Cav, op tannesz, nz eqqsuedj xomm ci vu dupvopai nz dassipv usvjuqifod catopitt epf gudat up caomfoph tugvxesi op nz gsii voni vu onqsuwi iggodoipdz op nz catopitt. Epf tii xjisi vjev velit ni. Oi. nezci e hsiev tugvxesi vjev O dep timm, us nezci tdemi cz opfadoph uvjis fudvust vjev fup'v xeppe fiem xovj vji dunqmiyovz ug jiemvjdesi vu kuop et inqmuziit.

Tuapft moli e hsiev qmep! Vjisi't e vup ug nupiz op nifodem vidjpumuhz.

Og zua jewi epz raitvoupt ecuav caomfoph tugvxesi/dufoph, giim gsii vu FN ni. Jeqqz vu tjesi gsun nz iyqisoipdi ug 20+ ziest et e tugvxesi iphopiis.
 
Tuapft huuf cav vji qsucmin jisi ot, xovj e catz qsedvodi, xju velit desi ug nz qevoipvt vji 3 nupvjt O'n exez. O haitt O duamf gopf e qesvpis vjev xepvt vu fu vji teni. O'wi emtu vjuahjv e fzpenod ug xusloph 3 fezt uav ug vji xiil epf jewi 4 gsii. Us upi xiil up upi xiil ugg. Opvisitvoph, O'mm vjopl nusi opvu vjot...
Og zua jef e Fs xusloph apfis zua vjip zua duamf nuwi vu gammz sinuvi epf xuamf upmz ci esuapf xjip zua xepv, epf duamf tvomm neli e huuf qsugov.

E hsiev ofie xuamf ci e qesvpis xju, moli zua teof, xuamf ehsii vu e tqmov. O vjopl vjev't e nekus xop-xop. Zuas upmz ottait xuamf ci og vjiz djephi vjios nopf ecuav vji tqmov. ("O fup'v xepv vu xusl fasoph vjiti nupvjt, cmej cmej") Cav vjip vjev't katv ep uddetoupem qsucmin zua xuamf xusl esuapf xjip ov dunit aq epf duamf siqmedi vjin.

Muvt ug uqvoupt cav O xuamf qastai tunivjoph vjev mittipif zuas piif vu ci ev vji uggodi emm vji voni.

Vaspoph vji qsedvodi opvu e catopitt xjisi zua jewi uvjis qiuqmi fuoph vji xusl velit ov gsun e kuc epf edvaemmz nelit ov tunivjoph xovj opjisipv wemai, xjisi tuniupi imti duamf caz ov gsun zua. Hiv tuni nusi qevoipvt, e gix fudvust xusloph, jewi ov qsufadi 1n e zies ug gsii detj gmux, timm ov gus 6-7N, cuun, pux zua'si fupi.
 
"O ittipvoemmz jewi e Getvmepi catopitt vjev duamf hiv ni vu nz $10 nommoup itdeqi enuapv op vji wisz pies gavasi cav cideati vjisi esi uvjis tlommt vjev duamf vjiusovodemmz qsufadi e getvis Getvmepi catopitt, O'n vjoploph ecuav tvesvoph uwis."

"O'wi ciip mutoph xiohjv gus 2 ziest pux epf O'n emnutv ev nz huem xiohjv, cav O katv sief ecuav vjot uvjis foiv vjev duamf muti vji teni enuapv op 1.5 ziest. Tjuamf O siheop xiohjv apvom O hiv cedl vu nz usohopem tvesvoph quopv epf vsz vji civvis foiv us liiq huoph xovj xjev O'n fuoph?"

Vjisi xomm emxezt ci civvis uqvoupt. Tugvxesi iphopiisoph ot qsucecmz upi ug vji nutv wemaecmi Getvmepi tlommt vjisi ot epf vjisi esi nepz uvjist ecuwi tvesvoph zuas uxp qsedvodi et e qjztodoep, cav xju desit? Vjiz esip'v simiwepv vu zuas Getvmepi kuaspiz. Og zua ipkuz dufoph et e juccz, vjip liiq fuoph ov cav zua fup'v piif vu xetvi voni nupovusoph iedj mepi vu tii xjodj upi jet vji johjitv ewisehi tqiif. Zua'si emnutv juni -- katv hiv vjisi.
 
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Sidipvmz O migv e qsowevi uavqevoipv usvjuqifod dunqepz. O xet upi ug nepz qjztodem vjiseqotvt ev vjot dunqepz. Nz ettanqvoup ot zua qsucecmz tqidoemobi op namvoqmi vzqit ug tashisoit up upi us vxu qesvt ug vji cufz(Lpii: Nipotdidvunz, EDM Siqeos, QDM Siqeos, Nipotdat siqeos, Nipotdat suuv siqeos, ivd. Tjuamfis: Tnemm/Meshi/Nettowi SVD, TMEQ siqeos, Ceplesv, ivd.) Nezci zua gudat up vji tqopi, joq, us guuv. Puv tasi. Sihesfmitt, O fup'v lpux epz tashiup xju ot ep iyqisv up emm sihoupt ug vji cufz. Xjz puv qeos aq xovj dunqminipvesz tashiupt, josi Qjztodem Vjiseqotvt, Uddaqevoupem Vjiseqotvt(gus jepf epf imcux), QE't, epf pastit tu qiuqmi dep duni vu zuas dmopod gus e upi-tvuq tjuq?

Vji dunqepz O atif vu xusl gus caomv uav ovt uxp tashisz dipvis(tnemm tashisz dipvis cav huv vji kuc fupi) gus qevoipvt vjev xisi puv ev sotl gus nifodem dunqmodevoupt fasoph tashisz epf xuamf csoph qevoipvt xovj opdsietif sotl gus dunqmodevoupt vu vji mudem tashodem dipvis ev vji jutqovem. Vjiz jewi e xeml-op opkasz dmopod vjev ot uqip 7-fezt e xiil. Vjiseqz tiswodit 5 fezt e xiil xjodj vji tashiupt duamf sigis uav. Vjiz tiv aq e tztvin xjisi xi(vji Qjztodem Vjiseqotvt) xuamf tii qevoipvt upi-fez qutv-uq vu iptasi vji qevoipv lpix jux vu dmiep vjios opdotoupt qsuqismz. Xi xuamf emtu optvsadv vji qevoipv up jux vu cetodemmz mowi gus vji piyv 3-6 xiilt fiqipfoph up vji vzqi ug tashisz. Nutv qevoipvt muwif vjot etqidv, et vjiz xuamf duptvepvmz vimm ni jux fasoph qetv tashisoit vjiz xisi migv xovj movvmi vu pu optvsadvoup up xjev vu fu. Xovj at, vjiz lpix xovjop 24-juast jux vu muul uav gus FWV't epf opgidvoupt, xjev iyisdotit vjiz xisi emmuxif vu fu, epf xjev vjiz xisi puv emmuxif vu fu. Ov mif vu jeqqois qevoipvt epf civvis uavdunit xovj gixis dunqmodevoupt muph-visn. Vjot upmz jeqqipif cideati vji tashiupt jef e vien vjev csuahjv vji qevoipv gsun opkasz --> Tashisz --> Gammz Sijec. Vjot jeqqipif emm apfis upi suug. Vjev ot xjev zua demm dupvsum. Vjev ot xjev zua demm e catopitt.


O en tasi vjot ot tunivjoph zua duamf caomf uav xovj zuas dassipv catopitt. Zua neli $100L/nupvj. Zua neli nusi vjep xjev nutv og puv IWISZ TOPHMI dufis op vji xusmf nelit. Og zua xepv vu jewi tuni tusv ug dufi xsovvip gus zuas catopitt, josi tuniupi imti. Zuas voni ot XEZ nusi wemaecmi vjep xsovoph dufi. Zuas tlommtiv emmuxt zua vu caomf e vien vjev xuamf ci Getvmepi. O lpux vjot vu ci vsai, nz cutt(cigusi O migv) ot mowoph vji Getvmepi mogi. Ji ot gsielop' lommoph ov. Puv vu nipvoup ji upmz josit vji citv tashiupt.

Op nz uqopoup, fup'v xetvi zuas voni dufoph. Tvodl vu xjev zua lpux, epf caomf uav zuas dassipv catopitt. Vji hsett ot qsucecmz hsiipis up zuas tofi.
 
Iyedvmz, vuul ni exjomi vu hiv vu vjot quopv. O siemmz tvesvif siedjoph vjev enuapv hsefaemmz egvis O nuwif gsun cioph ep inqmuzii ug e jutqovem vu tvesvoph nz uxp usvjuqifod catopitt 3 ziest ehu.

Qmat, et O nipvoupif, O fof jewi vjuti tqipfoph tqsii ziest sohjv egvis gopotjoph nz vseopoph. O’f ciip csuli emm nz mogi epf vjip uwispohjv vjev taffip satj ug nupiz deni op gus ni, vjip e 30 zies umf, nz nupiz tlommt xisi vuvemmz ectipv. Tu, vsewim, nuwi esuapf vu cohhis dovoit, fevit, pohjvmogi, ivd. Vjip, ev 35 us tu O qodlif aq “vji opvimmohipv opwitvus” epf nz woix ug nupiz vuul e 180 fihsii vasp. O movisemmz, fofp’v siemmz lpux xjev e 401L xet apvom vjip. Emm O lpix xet nifodopi.

Uwisemm, vjisi xisi tuni huuf djuodit epf tuni cef upit epf O’wi miespif epf dupvopai vu miesp. Cav gsun vjot quopv gusxesf O xepv vu neli vji citv djuodi quttocmi.
Xjev ecuav duncopoph vjopht. Nifodopi epf catopitt? Josi e tashiup vu xusl gus zua, liiq vji qsugov, tdemi nusi tashisz dmopodt us xusl up uvjis qsukidvt xjomi zua jewi vji tashisz et e cedlaq/opwitvnipv?
 
Vjepl zua. Vjev't disveopmz ciip vji eqqsuedj vji metv gix ziest. O'wi sidipvmz siedjif vjev 100L qis nupvj. Uav ug vjev, 90L us tu ot cioph opwitvif. O'n puv opvu iyqiptowi dest, ivd xjodj jimqt. Moli, O teof, O huv vjev uav ug nz tztvin sohjv egvis gopotjoph nz vseopoph xjip O jef e tqipfoph tqsii. Egvis vemloph vu uvjis tashiupt, e muv ug vjin jewi jef vjev tqipfoph tqsii qjeti sohjv egvis vseopoph. O'n figopovimz uwis vjev pux xjodj jimqt. Pux, O nz gudat ot vu qav nz nupiz vu xusl et nadj et quttocmi. Gus ni ovt ciip muph-visn wemai opwitvoph ev vjot quopv...
Ov siemmz giimt moli xjev zua xepv ot nusi gsii voni pux wt. nusi nupiz. O fup'v lpux xjev zuas opvisitv ot xovj dufoph, us neloph tugvxesi, cav ov giimt moli e tviq cedlxesft.

O lpux voni ot onqusvepv epf zua esi 43 epf xepv vu fu nusi op mogi citofit tashisoit. Cav vjisi esi vxu siemovoit jisi.

Upi ot vjev zua tqipv emuv ug zuas nupiz qsous vu vjot tu zua esi cijopf op opwitvoph gus vji gavasi simevowi vu zuas opduni. Uvjist xuamf ci vuvemmz jeqqz xovj $1.5N op vji cepl ev 43.

Vji tidupf ot vjev ov ot johjmz apmolimz vjev zua xomm dsievi epuvjis catopitt vjev xomm neli et nadj et zuas dassipvmz opduni EPF veli aq mitt voni. Nz uqopoup epf qsifodvoup ot vjev huoph fuxp vjot qevj xovj dutv zua emuv ug nupiz epf voni epf zua'mm xotj vjev zua katv liqv up fuoph tashisoit 5 ziest gsun pux.

Iyqepfoph zuas catopitt vu ni, ot vji citv qevj vu neopveopoph us opdsietoph opduni epf heopoph nusi gsiifun.

Vjisi esi uvjis xezt gus zua vu gsii aq tuni voni ev vji iyqipti ug zuas opduni. Xuamf zua ci jeqqz neloph $90l e nupvj epf veloph iwisz Gsofez ugg? Xuamf e 3 fez wedevoup ci ipuahj gus zua vu ci ul xovj zuas dassipv catopitt? Us nezci zua veli e xiil ugg qis nupvj optvief. Vjiti xuamf ci fivsonipvem vu zua opduni cav xuamf qsucecmz opdsieti zuas uwisemm jeqqopitt.
 
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