╨С╨░╨╜╨║╨╛╨▓╤Б╨║╨╕╨╡ ╤Г╤Б╨╗╤Г╨│╨╕ ╨┤╨╗╤П ╨▒╨╕╨╖╨╜╨╡╤Б╨░, ╨║╨╛╤В╨╛╤А╤Л╨╡ ╨┤╨╛╨╗╨╢╨╡╨╜ ╨┐╤А╨╡╨┤╨╗╨░╨│╨░╤В╤М ╨▓╨░╤И ╨▒╨░╨╜╨║

• ╨С╨╕╨╖╨╜╨╡╤Б-╨▒╨░╨╜╨║╨╕╨╜╨│ ╨╝╨╛╨╢╨╡╤В ╨▒╤Л╤В╤М ╨▓ ╤Д╨╛╤А╨╝╨╡ ╨║╨╛╨╝╨╝╨╡╤А╤З╨╡╤Б╨║╨╛╨│╨╛ ╨╕╨╗╨╕ ╨║╨╛╤А╨┐╨╛╤А╨░╤В╨╕╨▓╨╜╨╛╨│╨╛ ╨▒╨░╨╜╨║╨╕╨╜╨│╨░.
• ╨Э╨╡╨║╨╛╤В╨╛╤А╤Л╨╡ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╨╕ ╨╝╨╛╨│╤Г╤В ╤Б╤Н╨║╨╛╨╜╨╛╨╝╨╕╤В╤М ╨┤╨╡╨╜╤М╨│╨╕ ╨╜╨░ ╤Б╨▓╨╛╨╕╤Е ╨╜╨░╨╗╨╛╨│╨░╤Е ╨╜╨░ ╨╖╨░╤А╨░╨▒╨╛╤В╨╜╤Г╤О ╨┐╨╗╨░╤В╤Г, ╨▓╨╜╨╛╤Б╤П ╨┤╨╡╨┐╨╛╨╖╨╕╤В╤Л ╨╜╨╡╨┐╨╛╤Б╤А╨╡╨┤╤Б╤В╨▓╨╡╨╜╨╜╨╛ ╨╜╨░ ╤Б╤З╨╡╤В ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨░ HSA, 401 (k) ╨╕╨╗╨╕ ╨┤╨╛╨┐╨╛╨╗╨╜╨╕╤В╨╡╨╗╤М╨╜╤Г╤О ╨┐╤А╨╛╨│╤А╨░╨╝╨╝╤Г ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╤П.
• ╨Я╨╛╨╝╨╕╨╝╨╛ ╨┐╤А╨╡╨┤╨╛╤Б╤В╨░╨▓╨╗╨╡╨╜╨╕╤П ╨▒╨╕╨╖╨╜╨╡╤Б-╨┐╤А╨╛╨▓╨╡╤А╨║╨╕ ╨╕ ╨║╤А╨╡╨┤╨╕╤В╨╜╤Л╤Е ╨║╨░╤А╤В ╨║╨╛╨╝╨┐╨░╨╜╨╕╨╕, ╨╜╨╡╨║╨╛╤В╨╛╤А╤Л╨╡ ╨▒╨░╨╜╨║╨╕ ╨┐╤А╨╡╨┤╨╗╨░╨│╨░╤О╤В ╤Г╤Б╨╗╤Г╨│╨╕ ╨┐╨╛ ╨╛╨▒╤А╨░╨▒╨╛╤В╨║╨╡ ╨┐╨╗╨░╤В╨╡╨╢╨╡╨╣, ╤Г╤Б╨╗╤Г╨│╨╕ ╨┐╨╛ ╤А╨░╤Б╤З╨╡╤В╤Г ╨╖╨░╤А╨░╨▒╨╛╤В╨╜╨╛╨╣ ╨┐╨╗╨░╤В╤Л, ╨┐╨╡╨╜╤Б╨╕╨╛╨╜╨╜╤Л╨╡ ╤Б╤З╨╡╤В╨░ ╨╕ ╤Г╤Б╨╗╤Г╨│╨╕ HSA.

╨Т╤Л╨▒╨╛╤А ╨╗╤Г╤З╤И╨╡╨│╨╛ ╨▒╨░╨╜╨║╨░ ╨┤╨╗╤П ╨▓╨░╤И╨╡╨│╨╛ ╨▒╨╕╨╖╨╜╨╡╤Б╨░ ╨╛╤З╨╡╨╜╤М ╨┐╨╛╤Е╨╛╨╢ ╨╜╨░ ╨▓╤Л╨▒╨╛╤А ╨┐╨╛╨┤╤Е╨╛╨┤╤П╤Й╨╡╨│╨╛ ╨║╨░╨╜╨┤╨╕╨┤╨░╤В╨░ ╨╜╨░ ╤А╨░╨▒╨╛╤В╤Г. ╨Т╨░╨╝ ╨╜╤Г╨╢╨╜╨╛, ╤З╤В╨╛╨▒╤Л ╨▒╨░╨╜╨║ ╨╛╨▒╨╗╨░╨┤╨░╨╗ ╨┐╤А╨░╨▓╨╕╨╗╤М╨╜╤Л╨╝╨╕ ╨║╨░╤З╨╡╤Б╤В╨▓╨░╨╝╨╕ ╨╕ ╤Б╨┐╨╛╤Б╨╛╨▒╨╜╨╛╤Б╤В╤П╨╝╨╕, ╤З╤В╨╛╨▒╤Л ╨╛╨╜ ╨┐╨╛╨╝╨╛╨│╨░╨╗ ╨▓╨░╨╝, ╨▓╨╗╨░╨┤╨╡╨╗╤М╤Ж╤Г ╨▒╨╕╨╖╨╜╨╡╤Б╨░, ╨┤╨╛╤Б╤В╨╕╨│╨░╤В╤М ╨▓╨░╤И╨╕╤Е ╤Ж╨╡╨╗╨╡╨╣ ╨╕ ╨┐╤А╨╛╨┤╨▓╨╕╨│╨░╤В╤М ╤Б╨▓╨╛╨╣ ╨▒╨╕╨╖╨╜╨╡╤Б ╨▓╨┐╨╡╤А╨╡╨┤.

╨з╤В╨╛╨▒╤Л ╨┐╤А╨╕╨▓╨╗╨╡╤З╤М ╨╜╨╛╨▓╤Л╤Е ╨▓╨╗╨░╨┤╨╡╨╗╤М╤Ж╨╡╨▓ ╨╝╨░╨╗╨╛╨│╨╛ ╨▒╨╕╨╖╨╜╨╡╤Б╨░ ╨╕ ╨┐╤А╨╡╨┤╨┐╤А╨╕╨╜╨╕╨╝╨░╤В╨╡╨╗╨╡╨╣, ╨▒╨░╨╜╨║╨╕ ╨╕ ╨║╤А╨╡╨┤╨╕╤В╨╜╤Л╨╡ ╤Б╨╛╤О╨╖╤Л ╨┐╤А╨╡╨┤╨╗╨░╨│╨░╤О╤В ╤А╨░╨╖╨╗╨╕╤З╨╜╤Л╨╡ ╨▒╨╛╨╜╤Г╤Б╨╜╤Л╨╡ ╤Д╤Г╨╜╨║╤Ж╨╕╨╕ ╨┤╨╗╤П ╤Б╨▓╨╛╨╕╤Е ╨▒╨╕╨╖╨╜╨╡╤Б-╨▒╨░╨╜╨║╨╛╨▓╤Б╨║╨╕╤Е ╤Б╤З╨╡╤В╨╛╨▓. ╨Х╤Б╨╗╨╕ ╨▓╤Л ╤Е╨╛╤В╨╕╤В╨╡ ╨╛╤В╨║╤А╤Л╤В╤М ╤Г╤З╨╡╤В╨╜╤Г╤О ╨╖╨░╨┐╨╕╤Б╤М ╨┤╨╗╤П ╨╝╨░╨╗╨╛╨│╨╛ ╨▒╨╕╨╖╨╜╨╡╤Б╨░, ╨▓╨░╨╝ ╤Б╨╗╨╡╨┤╤Г╨╡╤В ╨╛╨▒╤А╨░╤В╨╕╤В╤М ╨▓╨╜╨╕╨╝╨░╨╜╨╕╨╡ ╨╜╨░ ╨╜╨╡╤Б╨║╨╛╨╗╤М╨║╨╛ ╨┐╨╛╨┐╤Г╨╗╤П╤А╨╜╤Л╤Е ╨┤╨╛╨┐╨╛╨╗╨╜╨╕╤В╨╡╨╗╤М╨╜╤Л╤Е ╤Г╤Б╨╗╤Г╨│. ╨Ю╨┤╨╜╨░╨║╨╛ ╨▓ ╤В╨╛ ╨▓╤А╨╡╨╝╤П ╨║╨░╨║ ╨╜╨╡╨║╨╛╤В╨╛╤А╤Л╨╡ ╤Д╤Г╨╜╨║╤Ж╨╕╨╕ ╨╝╨╛╨│╤Г╤В ╨▒╤Л╤В╤М ╨▓╨║╨╗╤О╤З╨╡╨╜╤Л ╨▒╨╡╤Б╨┐╨╗╨░╤В╨╜╨╛ ╨▓ ╤А╨░╨╝╨║╨░╤Е ╨▒╨╕╨╖╨╜╨╡╤Б-╤Г╤Б╨╗╤Г╨│ ╨▒╨░╨╜╨║╨░, ╨╖╨░ ╨┤╤А╤Г╨│╨╕╨╡ ╨▓╨╖╨╕╨╝╨░╨╡╤В╤Б╤П ╨┤╨╛╨┐╨╛╨╗╨╜╨╕╤В╨╡╨╗╤М╨╜╨░╤П ╨┐╨╗╨░╤В╨░.

╨з╤В╨╛ ╤В╨░╨║╨╛╨╡ ╨▒╨░╨╜╨║╨╛╨▓╤Б╨║╨╕╨╡ ╤Г╤Б╨╗╤Г╨│╨╕ ╨┤╨╗╤П ╨▒╨╕╨╖╨╜╨╡╤Б╨░?

╨С╨░╨╜╨║╨╕ ╨┐╤А╨╡╨┤╨╛╤Б╤В╨░╨▓╨╗╤П╤О╤В ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╡ ╤Г╤Б╨╗╤Г╨│╨╕ ╨┤╨╗╤П ╨▒╨╕╨╖╨╜╨╡╤Б╨░, ╨║╨╛╤В╨╛╤А╤Л╨╡ ╨┐╨╛╨╝╨╛╨│╨░╤О╤В ╨▓╨╗╨░╨┤╨╡╨╗╤М╤Ж╨░╨╝ ╨▒╨╕╨╖╨╜╨╡╤Б╨░ ╤Г╨┐╤А╨░╨▓╨╗╤П╤В╤М ╤Б╨▓╨╛╨╕╨╝╨╕ ╨┤╨╡╨╜╤М╨│╨░╨╝╨╕. ╨Т ╨┤╨╛╨┐╨╛╨╗╨╜╨╡╨╜╨╕╨╡ ╨║ ╨▒╨░╨╖╨╛╨▓╤Л╨╝ ╤Г╤Б╨╗╤Г╨│╨░╨╝ ╤А╨░╤Б╤З╨╡╤В╨╜╨╛╨│╨╛ ╤Б╤З╨╡╤В╨░, ╨║╨╛╤В╨╛╤А╤Л╨╡ ╨┐╨╛╨╖╨▓╨╛╨╗╤П╤О╤В ╨▓╨╗╨░╨┤╨╡╨╗╤М╤Ж╨░╨╝ ╨▒╨╕╨╖╨╜╨╡╤Б╨░ ╨▓╨╜╨╛╤Б╨╕╤В╤М ╤Б╤А╨╡╨┤╤Б╤В╨▓╨░ ╨╕ ╨▓╤Л╨┐╨╕╤Б╤Л╨▓╨░╤В╤М ╤З╨╡╨║╨╕, ╨╛╨╜╨╕ ╤В╨░╨║╨╢╨╡ ╨╝╨╛╨│╤Г╤В ╨┐╨╛╨╖╨▓╨╛╨╗╤П╤В╤М ╨┐╤А╨╡╨┤╨┐╤А╨╕╤П╤В╨╕╤П╨╝ ╨┐╨╡╤А╨╡╨▓╨╛╨┤╨╕╤В╤М ╨┤╨╡╨╜╤М╨│╨╕ ╤Б ╨┐╨╛╨╝╨╛╤Й╤М╤О ╨░╨▓╤В╨╛╨╝╨░╤В╨╕╨╖╨╕╤А╨╛╨▓╨░╨╜╨╜╨╛╨╣ ╨║╨╗╨╕╤А╨╕╨╜╨│╨╛╨▓╨╛╨╣ ╨┐╨░╨╗╨░╤В╤Л (ACH) ╨╕ ╨▒╨░╨╜╨║╨╛╨▓╤Б╨║╨╕╨╝ ╨┐╨╡╤А╨╡╨▓╨╛╨┤╨╛╨╝. ╨С╨░╨╜╨║╨╕ ╤В╨░╨║╨╢╨╡ ╨╝╨╛╨│╤Г╤В ╨┐╤А╨╡╨┤╨╛╤Б╤В╨░╨▓╨╗╤П╤В╤М ╨▒╨╕╨╖╨╜╨╡╤Б-╨║╤А╨╡╨┤╨╕╤В╨╜╤Л╨╡ ╨╕ ╨┤╨╡╨▒╨╡╤В╨╛╨▓╤Л╨╡ ╨║╨░╤А╤В╤Л, ╤В╨╛╤А╨│╨╛╨▓╤Л╨╡ ╤Г╤Б╨╗╤Г╨│╨╕ ╨╕ ╨▒╨╕╨╖╨╜╨╡╤Б-╨║╤А╨╡╨┤╨╕╤В╤Л. ╨Т╨╛╤В ╤З╨╡╤В╤Л╤А╨╡ ╨▒╨░╨╜╨║╨╛╨▓╤Б╨║╨╕╨╡ ╤Г╤Б╨╗╤Г╨│╨╕, ╨║╨╛╤В╨╛╤А╤Л╨╝╨╕ ╨▓╤Л ╨┤╨╛╨╗╨╢╨╜╤Л ╨▓╨╛╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╤В╤М╤Б╤П.

╨Я╤А╨╛╨▓╨╡╤А╨║╨░ ╨▒╨╕╨╖╨╜╨╡╤Б╨░ ╤Б ╨╕╨╜╤В╨╡╤А╨╡╤Б╨╛╨╝

╨Ю╤В╨║╤А╤Л╤В╨╕╨╡ ╤А╨░╤Б╤З╨╡╤В╨╜╨╛╨│╨╛ ╤Б╤З╨╡╤В╨░ ╤Б ╨╜╨╕╨╖╨║╨╕╨╝ ╨╝╨╕╨╜╨╕╨╝╨░╨╗╤М╨╜╤Л╨╝ ╨▒╨░╨╗╨░╨╜╤Б╨╛╨╝, ╨║╨╛╤В╨╛╤А╤Л╨╣ ╨┐╨╛╨╖╨▓╨╛╨╗╤П╨╡╤В ╨▓╨░╨╝ ╨┐╨╛╨╗╤Г╤З╨░╤В╤М ╨┐╤А╨╛╤Ж╨╡╨╜╤В╤Л, ╨┐╨╛╨╝╨╛╨│╨░╨╡╤В ╨▓╨░╨╝ ╨╕╨╖╨▒╨╡╨╢╨░╤В╤М ╨║╨╛╨╝╨╕╤Б╤Б╨╕╨╣ ╨╕ ╨┐╨╛╨╗╤Г╤З╨░╤В╤М ╨┐╤А╨╛╤Ж╨╡╨╜╤В╤Л ╨╜╨░ ╨▓╨░╤И╨╕ ╤Б╤А╨╡╨┤╤Б╤В╨▓╨░. ╨Ю╨╜╨╗╨░╨╣╨╜-╨▒╨░╨╜╨║╨╕╨╜╨│ ╨╕ ╨╝╨╛╨▒╨╕╨╗╤М╨╜╤Л╨╡ ╨┐╤А╨╕╨╗╨╛╨╢╨╡╨╜╨╕╤П ╨┐╨╛╨╝╨╛╨│╤Г╤В ╨▓╨░╨╝ ╤Г╨┐╤А╨░╨▓╨╗╤П╤В╤М ╤Б╨▓╨╛╨╕╨╝╨╕ ╨┤╨╡╨╜╤М╨│╨░╨╝╨╕, ╤З╤В╨╛╨▒╤Л ╨▓╤Л ╨╝╨╛╨│╨╗╨╕ ╨▒╤Л╤В╤М ╨▓ ╨║╤Г╤А╤Б╨╡ ╤Б╨╛╤Б╤В╨╛╤П╨╜╨╕╤П ╤Б╨▓╨╛╨╡╨│╨╛ ╤Б╤З╨╡╤В╨░ ╨╕ ╨▒╤Л╤Б╤В╤А╨╛ ╨╛╨▒╨╜╨░╤А╤Г╨╢╨╕╨▓╨░╤В╤М ╨╝╨╛╤И╨╡╨╜╨╜╨╕╤З╨╡╤Б╨║╨╕╨╡ ╨┤╨╡╨╣╤Б╤В╨▓╨╕╤П ╨╕ ╨╜╨╕╨╖╨║╨╕╨╣ ╨▒╨░╨╗╨░╨╜╤Б.

╤Г╨┐╤А╨░╨▓╨╗╨╡╨╜╨╕╨╡ ╨┤╨╡╨╜╨╡╨╢╨╜╤Л╨╝╨╕ ╤Б╤А╨╡╨┤╤Б╤В╨▓╨░╨╝╨╕

╨г╨┐╤А╨░╨▓╨╗╨╡╨╜╨╕╨╡ ╨║╨░╨╖╨╜╨░╤З╨╡╨╣╤Б╤В╨▓╨╛╨╝ ╨┐╨╛╨╝╨╛╨│╨░╨╡╤В ╨▓╨░╨╝ ╤Б╨▒╨░╨╗╨░╨╜╤Б╨╕╤А╨╛╨▓╨░╤В╤М ╨╕ ╤Г╨┐╤А╨░╨▓╨╗╤П╤В╤М ╤Б╤А╨╡╨┤╤Б╤В╨▓╨░╨╝╨╕ ╨╜╨░ ╨▓╨░╤И╨╡╨╝ ╨▒╨░╨╜╨║╨╛╨▓╤Б╨║╨╛╨╝ ╤Б╤З╨╡╤В╨╡. ╨Ю╨╜ ╨┐╤А╨╡╨┤╨╜╨░╨╖╨╜╨░╤З╨╡╨╜ ╨┤╨╗╤П ╨╝╨╕╨╜╨╕╨╝╨╕╨╖╨░╤Ж╨╕╨╕ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╨╛╨│╨╛ ╤А╨╕╤Б╨║╨░ ╨║╨╛╨╝╨┐╨░╨╜╨╕╨╕. ╨б ╨┐╨╛╨╝╨╛╤Й╤М╤О ╨╛╨╜╨╗╨░╨╣╨╜-╨┐╨╗╨░╤В╤Д╨╛╤А╨╝╤Л ╨▓╤Б╤П ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╨░╤П ╨╕╨╜╤Д╨╛╤А╨╝╨░╤Ж╨╕╤П ╨▓╨░╤И╨╡╨│╨╛ ╨▒╨╕╨╖╨╜╨╡╤Б╨░ ╨╜╨░╤Е╨╛╨┤╨╕╤В╤Б╤П ╨┐╨╛╨┤ ╨╛╨┤╨╜╨╛╨╣ ╨║╤А╤Л╤И╨╡╨╣. ╨Ю╨╜╨╗╨░╨╣╨╜-╤Б╨╕╤Б╤В╨╡╨╝╨░ ╤Г╨┐╤А╨░╨▓╨╗╨╡╨╜╨╕╤П ╨║╨░╨╖╨╜╨░╤З╨╡╨╣╤Б╤В╨▓╨╛╨╝ ╨╛╨▒╨╡╤Б╨┐╨╡╤З╨╕╨▓╨░╨╡╤В ╤Г╨┤╨╛╨▒╨╜╤Л╨╣ ╨┤╨╛╤Б╤В╤Г╨┐ ╨║ ╨╛╨╜╨╗╨░╨╣╨╜-╨▒╨░╨╜╨║╨╕╨╜╨│╤Г ╨▓╨░╤И╨╡╨│╨╛ ╨▒╨╕╨╖╨╜╨╡╤Б╨░, ╨▒╨░╨╜╨║╨╛╨▓╤Б╨║╨╕╨╝ ╨┐╨╡╤А╨╡╨▓╨╛╨┤╨░╨╝, ╤Г╨┤╨░╨╗╨╡╨╜╨╜╨╛╨╝╤Г ╨▓╨▓╨╛╨┤╤Г ╨┤╨╡╨┐╨╛╨╖╨╕╤В╨╛╨▓, ╨╛╨┐╨╗╨░╤В╨╡ ╤Б╤З╨╡╤В╨╛╨▓, ╨┐╨╗╨░╤В╨╡╨╢╨░╨╝ ╨╕ ╤Б╨▒╨╛╤А╨░╨╝ ACH. ╨Ь╨╜╨╛╨│╨╕╨╡ ╨╕╨╖ ╨╜╨╕╤Е ╨╕╨╝╨╡╤О╤В ╤Д╤Г╨╜╨║╤Ж╨╕╤О ╨▒╨╗╨╛╨║╨╕╤А╨╛╨▓╨║╨╕ ╨╕ ╤Д╨╕╨╗╤М╤В╤А╨░╤Ж╨╕╨╕, ╨║╨╛╤В╨╛╤А╨░╤П ╨┐╨╛╨╝╨╛╨╢╨╡╤В ╨▓╨░╨╝ ╨╛╤В╤Б╨╗╨╡╨╢╨╕╨▓╨░╤В╤М ╨░╨║╤В╨╕╨▓╨╜╨╛╤Б╤В╤М ACH ╨▓ ╨▓╨░╤И╨╡╨╣ ╤Г╤З╨╡╤В╨╜╨╛╨╣ ╨╖╨░╨┐╨╕╤Б╨╕.

╨б╤З╨╡╤В╨░ ╨┤╨╡╨╜╨╡╨╢╨╜╨╛╨│╨╛ ╤А╤Л╨╜╨║╨░

╨н╤В╨╛ ╨╛╤В╨╗╨╕╤З╨╜╤Л╨╣ ╤Б╨┐╨╛╤Б╨╛╨▒ ╨┤╨╗╤П ╨╝╨░╨╗╨╛╨│╨╛ ╨▒╨╕╨╖╨╜╨╡╤Б╨░ ╨┐╨╛╨╗╤Г╤З╨░╤В╤М ╨┐╤А╨╛╤Ж╨╡╨╜╤В╤Л ╨╛╤В ╨┤╨╡╨╜╨╡╨│, ╨║╨╛╤В╨╛╤А╤Л╨╡ ╨╛╨╜╨╕ ╨┤╨╡╤А╨╢╨░╤В ╨╜╨░ ╤Б╨▓╨╛╨╕╤Е ╤Б╤З╨╡╤В╨░╤Е. ╨б╤З╨╡╤В╨░ ╨┤╨╡╨╜╨╡╨╢╨╜╨╛╨│╨╛ ╤А╤Л╨╜╨║╨░ ╨╜╨╡ ╤В╨╛╨╗╤М╨║╨╛ ╨╖╨░╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╤Л ╨д╨╡╨┤╨╡╤А╨░╨╗╤М╨╜╨╛╨╣ ╨║╨╛╤А╨┐╨╛╤А╨░╤Ж╨╕╨╡╨╣ ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╤П ╨┤╨╡╨┐╨╛╨╖╨╕╤В╨╛╨▓, ╨╜╨╛ ╨╕ ╨┐╤А╨╕╨╜╨╛╤Б╤П╤В ╨▒╨╛╨╗╨╡╨╡ ╨▓╤Л╤Б╨╛╨║╨╕╨╡ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╤Л╨╡ ╤Б╤В╨░╨▓╨║╨╕, ╤З╨╡╨╝ ╤В╨╡╨║╤Г╤Й╨╕╨╡ ╤Б╤З╨╡╤В╨░. ╨б╤З╨╡╤В╨░ ╨┤╨╡╨╜╨╡╨╢╨╜╨╛╨│╨╛ ╤А╤Л╨╜╨║╨░ ╨╝╨╕╨╜╨╕╨╝╨╕╨╖╨╕╤А╤Г╤О╤В ╤А╨╕╤Б╨║ ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤А╨╛╨▓╨░╨╜╨╕╤П, ╨┐╨╛╤В╨╛╨╝╤Г ╤З╤В╨╛ ╤Г ╨▓╨░╤Б ╨▓╤Б╨╡╨│╨┤╨░ ╨╡╤Б╤В╤М ╨┤╨╛╤Б╤В╤Г╨┐ ╨║ ╨▓╨░╤И╨╕╨╝ ╨┤╨╡╨╜╤М╨│╨░╨╝ тАФ ╨▓╤Л ╨╝╨╛╨╢╨╡╤В╨╡ ╤Б╨╜╤П╤В╤М ╨╕╤Е ╨▓ ╨╗╤О╨▒╨╛╨╡ ╨▓╤А╨╡╨╝╤П ╨▒╨╡╨╖ ╤И╤В╤А╨░╤Д╨╜╤Л╤Е ╤Б╨░╨╜╨║╤Ж╨╕╨╣, ╤Е╨╛╤В╤П ╨╝╨╛╨│╤Г╤В ╨▒╤Л╤В╤М ╨╜╨╡╨║╨╛╤В╨╛╤А╤Л╨╡ ╨╛╨│╤А╨░╨╜╨╕╤З╨╡╨╜╨╕╤П ╨╜╨░ ╨║╨╛╨╗╨╕╤З╨╡╤Б╤В╨▓╨╛ ╤В╤А╨░╨╜╨╖╨░╨║╤Ж╨╕╨╣, ╨║╨╛╤В╨╛╤А╤Л╨╡ ╨▓╤Л ╨╝╨╛╨╢╨╡╤В╨╡ ╤Б╨╛╨▓╨╡╤А╤И╨░╤В╤М ╨║╨░╨╢╨┤╤Л╨╣ ╨╝╨╡╤Б╤П╤Ж.

╨Ъ╤А╨╡╨┤╨╕╤В╨╜╤Л╨╡ ╨║╨░╤А╤В╤Л ╨┤╨╗╤П ╨▒╨╕╨╖╨╜╨╡╤Б╨░

╨С╨╕╨╖╨╜╨╡╤Б ╨║╤А╨╡╨┤╨╕╤В╨╜╨░╤П ╨║╨░╤А╤В╨░ ╤Г╨┤╨╛╨▒╨╜╨╛ ╨╕╨╝╨╡╤В╤М. ╨Ш╤Й╨╕╤В╨╡ ╨╛╨┤╨╕╨╜ ╤Б ╨╜╨╕╨╖╨║╨╛╨╣ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╨╛╨╣ ╤Б╤В╨░╨▓╨║╨╛╨╣, ╨║╨╛╤В╨╛╤А╨░╤П ╨┐╨╛╨╝╨╛╨╢╨╡╤В ╨▓╨░╨╝ ╨╖╨░╤А╨░╨▒╨╛╤В╨░╤В╤М ╨▒╨░╨╗╨╗╤Л ╨╕ ╨▓╨╛╨╖╨╜╨░╨│╤А╨░╨╢╨┤╨╡╨╜╨╕╤П. ╨н╤В╨╛ ╨▓╤Л╨│╨╛╨┤╨╜╨╛, ╨┐╨╛╤В╨╛╨╝╤Г ╤З╤В╨╛ ╨┐╨╛╨╝╨╛╨│╨░╨╡╤В ╨╛╤В╨┤╨╡╨╗╨╕╤В╤М ╤А╨░╤Б╤Е╨╛╨┤╤Л ╨╜╨░ ╨▒╨╕╨╖╨╜╨╡╤Б ╨╛╤В ╨╗╨╕╤З╨╜╤Л╤Е ╨┐╨╛╨║╤Г╨┐╨╛╨║, ╤Б╨╛╨╖╨┤╨░╤В╤М ╨║╤А╨╡╨┤╨╕╤В╨╜╤Г╤О ╨╕╤Б╤В╨╛╤А╨╕╤О ╨▒╨╕╨╖╨╜╨╡╤Б╨░ ╨╕ ╤Б╨╛╨║╤А╨░╤В╨╕╤В╤М ╨▒╤Г╨╝╨░╨╢╨╜╤Г╤О ╤А╨░╨▒╨╛╤В╤Г ╨┐╨╛ ╨▓╨╛╨╖╨╝╨╡╤Й╨╡╨╜╨╕╤О ╤А╨░╤Б╤Е╨╛╨┤╨╛╨▓.

╨Т ╤З╨╡╨╝ ╤А╨░╨╖╨╜╨╕╤Ж╨░ ╨╝╨╡╨╢╨┤╤Г ╨║╨╛╨╝╨╝╨╡╤А╤З╨╡╤Б╨║╨╕╨╝ ╨╕ ╨▒╨╕╨╖╨╜╨╡╤Б-╨▒╨░╨╜╨║╨╕╨╜╨│╨╛╨╝?

╨Х╤Б╤В╤М ╨╜╨╡╤Б╨║╨╛╨╗╤М╨║╨╛ ╤Б╨┐╨╛╤Б╨╛╨▒╨╛╨▓ ╤Б╨┤╨╡╨╗╨░╤В╤М ╨▒╨░╨╜╨║ ╨▓ ╨▒╨╕╨╖╨╜╨╡╤Б╨╡, ╨╕ ╨╖╨╜╨░╨╜╨╕╨╡ ╤А╨░╨╖╨╗╨╕╤З╨╕╨╣ ╨┐╨╛╨╝╨╛╨╢╨╡╤В ╨▓╨░╨╝ ╨╜╨░╨╣╤В╨╕ ╨╜╨╡╨╛╨▒╤Е╨╛╨┤╨╕╨╝╤Л╨╡ ╤А╨╡╤Б╤Г╤А╤Б╤Л. ╨С╨╛╨╗╤М╤И╨╕╨╜╤Б╤В╨▓╨╛ ╨▒╨░╨╜╨║╨╛╨▓ ╨╕╨╝╨╡╤О╤В ╨║╨╛╨╝╨╝╨╡╤А╤З╨╡╤Б╨║╨╛╨╡ ╨╕ ╨║╨╛╤А╨┐╨╛╤А╨░╤В╨╕╨▓╨╜╨╛╨╡ ╨┐╨╛╨┤╤А╨░╨╖╨┤╨╡╨╗╨╡╨╜╨╕╤П. ╨Ъ╨╛╨╝╨╝╨╡╤А╤З╨╡╤Б╨║╨╕╨╣ ╨▒╨░╨╜╨║╨╕╨╜╨│ ╨╛╤В╨╗╨╕╤З╨░╨╡╤В╤Б╤П ╨╛╤В ╨║╨╛╤А╨┐╨╛╤А╨░╤В╨╕╨▓╨╜╨╛╨│╨╛ ╨▒╨░╨╜╨║╨╕╨╜╨│╨░ ╤В╨╡╨╝, ╤З╤В╨╛ ╨║╨╛╨╝╨╝╨╡╤А╤З╨╡╤Б╨║╨╕╨╝╨╕ ╨║╨╗╨╕╨╡╨╜╤В╨░╨╝╨╕ ╤П╨▓╨╗╤П╤О╤В╤Б╤П ╨▓ ╨╛╤Б╨╜╨╛╨▓╨╜╨╛╨╝ ╤З╨░╤Б╤В╨╜╤Л╨╡ ╨╗╨╕╤Ж╨░ ╨╕ ╨▓╨╗╨░╨┤╨╡╨╗╤М╤Ж╤Л ╨╝╨░╨╗╨╛╨│╨╛ ╨▒╨╕╨╖╨╜╨╡╤Б╨░, ╨░ ╨╜╨╡ ╨║╤А╤Г╨┐╨╜╤Л╨╡ ╨║╨╛╤А╨┐╨╛╤А╨░╤Ж╨╕╨╕. ╨Ъ╨╛╨╝╨╝╨╡╤А╤З╨╡╤Б╨║╨╕╨╡ ╨▒╨░╨╜╨║╨╛╨▓╤Б╨║╨╕╨╡ ╤Г╤Б╨╗╤Г╨│╨╕ ╨╛╨▒╤Л╤З╨╜╨╛ ╨▓╨║╨╗╤О╤З╨░╤О╤В ╤В╨╛╤А╨│╨╛╨▓╤Л╨╡ ╤Г╤Б╨╗╤Г╨│╨╕, ╨║╨╛╨╝╨╝╨╡╤А╤З╨╡╤Б╨║╨╕╨╡ ╨║╤А╨╡╨┤╨╕╤В╤Л, ╤Г╤Б╨╗╤Г╨│╨╕ ╨│╨╗╨╛╨▒╨░╨╗╤М╨╜╨╛╨╣ ╤В╨╛╤А╨│╨╛╨▓╨╗╨╕ ╨╕ ╨║╨░╨╖╨╜╨░╤З╨╡╨╣╤Б╨║╨╕╨╡ ╤Г╤Б╨╗╤Г╨│╨╕. ╨Ъ╨░╨║ ╨╕ ╤А╨╛╨╖╨╜╨╕╤З╨╜╤Л╨╡ ╨▒╨░╨╜╨║╨╕, ╨╛╨╜╨╕ ╨┐╤А╨╡╨┤╨╗╨░╨│╨░╤О╤В ╤В╨╡╨║╤Г╤Й╨╕╨╡ ╨╕ ╤Б╨▒╨╡╤А╨╡╨│╨░╤В╨╡╨╗╤М╨╜╤Л╨╡ ╤Б╤З╨╡╤В╨░.

╨Ъ╨╛╤А╨┐╨╛╤А╨░╤В╨╕╨▓╨╜╤Л╨╣ ╨▒╨░╨╜╨║╨╕╨╜╨│ ╤П╨▓╨╗╤П╨╡╤В╤Б╤П ╤Б╨┐╨╡╤Ж╨╕╨░╨╗╨╕╨╖╨╕╤А╨╛╨▓╨░╨╜╨╜╤Л╨╝ ╨┐╨╛╨┤╤А╨░╨╖╨┤╨╡╨╗╨╡╨╜╨╕╨╡╨╝ ╨║╨╛╨╝╨╝╨╡╤А╤З╨╡╤Б╨║╨╛╨│╨╛ ╨▒╨░╨╜╨║╨░. ╨Ю╨╜ ╨┐╤А╨╡╨┤╨╗╨░╨│╨░╨╡╤В ╤Г╨┐╤А╨░╨▓╨╗╨╡╨╜╨╕╨╡ ╨║╤А╨╡╨┤╨╕╤В╨░╨╝╨╕, ╨┤╨╡╨╜╨╡╨╢╨╜╤Л╨╝╨╕ ╤Б╤А╨╡╨┤╤Б╤В╨▓╨░╨╝╨╕ ╨╕ ╨░╨║╤В╨╕╨▓╨░╨╝╨╕ ╨╕ ╤Б╤В╤А╨░╤Е╤Г╨╡╤В ╨║╤А╤Г╨┐╨╜╤Л╨╡, ╨╝╨░╨╗╤Л╨╡ ╨╕ ╤Б╤А╨╡╨┤╨╜╨╕╨╡ ╨║╨╛╤А╨┐╨╛╤А╨░╤Ж╨╕╨╕. ╨Ъ╨╛╤А╨┐╨╛╤А╨░╤В╨╕╨▓╨╜╤Л╨╣ ╨▒╨░╨╜╨║╨╕╨╜╨│ ╨╛╨▒╤Л╤З╨╜╨╛ ╨╛╨▒╨╡╤Б╨┐╨╡╤З╨╕╨▓╨░╨╡╤В ╨▒╨╛╨╗╨╡╨╡ ╨▓╤Л╤Б╨╛╨║╤Г╤О ╨┐╤А╨╕╨▒╤Л╨╗╤М ╨▒╨░╨╜╨║╨░╨╝ ╨╕╨╖-╨╖╨░ ╨▒╨╛╨╗╤М╤И╨╕╤Е ╤Б╤Г╨╝╨╝ ╨┤╨╡╨╜╨╡╨│ ╨╕ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╛╨▓, ╤Б╨▓╤П╨╖╨░╨╜╨╜╤Л╤Е ╤Б ╨║╨╛╤А╨┐╨╛╤А╨░╤В╨╕╨▓╨╜╤Л╨╝╨╕ ╨║╤А╨╡╨┤╨╕╤В╨░╨╝╨╕.

╨Ш╨╜╨╛╨│╨┤╨░ ╨┤╨▓╨░ ╨┐╨╛╨┤╤А╨░╨╖╨┤╨╡╨╗╨╡╨╜╨╕╤П ╨┐╨╡╤А╨╡╤Б╨╡╨║╨░╤О╤В╤Б╤П ╤Б ╤В╨╛╤З╨║╨╕ ╨╖╤А╨╡╨╜╨╕╤П ╨╕╤Е ╤Г╤Б╨╗╤Г╨│, ╨╜╨╛ ╤А╨╡╨░╨╗╤М╨╜╨░╤П ╤А╨░╨╖╨╜╨╕╤Ж╨░ ╨╖╨░╨║╨╗╤О╤З╨░╨╡╤В╤Б╤П ╨▓ ╨║╨╗╨╕╨╡╨╜╤В╤Г╤А╨╡ ╨╕ ╨┐╤А╨╕╨▒╤Л╨╗╨╕, ╨║╨╛╤В╨╛╤А╤Г╤О ╨╖╨░╤А╨░╨▒╨░╤В╤Л╨▓╨░╨╡╤В ╨║╨░╨╢╨┤╤Л╨╣ ╤В╨╕╨┐ ╨▒╨░╨╜╨║╨░.

╨з╤В╨╛ ╤В╨░╨║╨╛╨╡ ╨▒╨╕╨╖╨╜╨╡╤Б-╨▒╨░╨╜╨║╨╕╤А?

╨Р ╨┤╨╡╨╗╨╛╨▓╨╛╨╣ ╨▒╨░╨╜╨║╨╕╤А ╤В╨╡╤Б╨╜╨╛ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╤З╨░╨╡╤В ╤Б ╨║╨╗╨╕╨╡╨╜╤В╨░╨╝╨╕, ╤З╤В╨╛╨▒╤Л ╨╛╨┐╤А╨╡╨┤╨╡╨╗╨╕╤В╤М, ╨║╨░╨║╨╕╨╡ ╨▒╨░╨╜╨║╨╛╨▓╤Б╨║╨╕╨╡ ╨┐╤А╨╛╨┤╤Г╨║╤В╤Л ╨╕ ╤Г╤Б╨╗╤Г╨│╨╕ ╨╗╤Г╤З╤И╨╡ ╨▓╤Б╨╡╨│╨╛ ╤Б╨╛╨╛╤В╨▓╨╡╤В╤Б╤В╨▓╤Г╤О╤В ╨╕╤Е ╨┐╨╛╤В╤А╨╡╨▒╨╜╨╛╤Б╤В╤П╨╝, ╨╜╨░╨┐╤А╨╕╨╝╨╡╤А, ╤А╨░╤Б╤З╨╡╤В╨╜╤Л╨╡ ╤Б╤З╨╡╤В╨░ ╨┤╨╗╤П ╨▒╨╕╨╖╨╜╨╡╤Б╨░, ╨║╤А╨╡╨┤╨╕╤В╨╜╤Л╨╡ ╨║╨░╤А╤В╤Л, ╤Г╨┐╤А╨░╨▓╨╗╨╡╨╜╨╕╨╡ ╨║╨░╨╖╨╜╨░╤З╨╡╨╣╤Б╤В╨▓╨╛╨╝, ╨║╤А╨╡╨┤╨╕╤В╤Л ╨╕ ╨┤╨░╨╢╨╡ ╨╛╨▒╤А╨░╨▒╨╛╤В╨║╨░ ╨┐╨╗╨░╤В╨╡╨╢╨╡╨╣. ╨Т ╨╜╨╡╨║╨╛╤В╨╛╤А╤Л╤Е ╤Б╨╗╤Г╤З╨░╤П╤Е ╨╛╨╜╨╕ ╨╝╨╛╨│╤Г╤В ╤Б╨╜╨╕╨╖╨╕╤В╤М ╨║╨╛╨╝╨╕╤Б╤Б╨╕╤О ╨╕╨╗╨╕ ╨╛╤В╨║╨░╨╖╨░╤В╤М╤Б╤П ╨╛╤В ╨╜╨╡╨╡, ╨░ ╤В╨░╨║╨╢╨╡ ╨╝╨╛╨│╤Г╤В ╨┐╤А╨╡╨┤╨╗╨╛╨╢╨╕╤В╤М ╨▒╨╛╨╗╨╡╨╡ ╨▓╤Л╨│╨╛╨┤╨╜╤Л╨╡ ╤Г╤Б╨╗╨╛╨▓╨╕╤П, ╨╜╨░╨┐╤А╨╕╨╝╨╡╤А ╨▒╨╛╨╗╨╡╨╡ ╨╜╨╕╨╖╨║╤Г╤О ╨║╨╛╨╝╨╕╤Б╤Б╨╕╤О ╨╕╨╗╨╕ ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╤Г╤О ╤Б╤В╨░╨▓╨║╤Г ╨┐╨╛ ╨║╤А╨╡╨┤╨╕╤В╤Г. ╨Ю╨╜╨╕ ╤В╨░╨║╨╢╨╡ ╨╝╨╛╨│╤Г╤В ╨┐╤А╨╡╨┤╨╗╨╛╨╢╨╕╤В╤М ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Г╤О ╨╕╨╜╤Д╨╛╤А╨╝╨░╤Ж╨╕╤О ╨╕ ╤А╨╡╨║╨╛╨╝╨╡╨╜╨┤╨░╤Ж╨╕╨╕, ╨║╨╛╤В╨╛╤А╤Л╨╡ ╨┐╨╛╨╝╨╛╨│╤Г╤В ╨▓╨░╨╝ ╨┤╨╛╤Б╤В╨╕╤З╤М ╨▓╨░╤И╨╕╤Е ╨▒╨╕╨╖╨╜╨╡╤Б-╤Ж╨╡╨╗╨╡╨╣.

╨Я╤А╨╕ ╨▓╤Л╨▒╨╛╤А╨╡ ╨▒╨░╨╜╨║╨░ ╨▓╨╗╨░╨┤╨╡╨╗╤М╤Ж╤Л ╨╝╨░╨╗╨╛╨│╨╛ ╨▒╨╕╨╖╨╜╨╡╤Б╨░ ╨┤╨╛╨╗╨╢╨╜╤Л ╨╕╤Б╨║╨░╤В╤М ╤В╨╛╤В, ╨║╨╛╤В╨╛╤А╤Л╨╣ ╨┤╨░╨╡╤В ╨╕╨╝ ╨┤╨╛╤Б╤В╤Г╨┐ ╨║ ╨▒╨╕╨╖╨╜╨╡╤Б-╨▒╨░╨╜╨║╨╕╤А╤Г, ╤Б ╨║╨╛╤В╨╛╤А╤Л╨╝ ╨╛╨╜╨╕ ╨╝╨╛╨│╤Г╤В ╤А╨╡╨│╤Г╨╗╤П╤А╨╜╨╛ ╨▓╤Б╤В╤А╨╡╤З╨░╤В╤М╤Б╤П, ╤З╤В╨╛╨▒╤Л ╨┐╤А╨╛╨▓╨╡╤А╤П╤В╤М ╤Д╨╕╨╜╨░╨╜╤Б╤Л ╤Б╨▓╨╛╨╡╨│╨╛ ╨▒╨╕╨╖╨╜╨╡╤Б╨░. ╨н╤В╨╛ ╨▓╨░╨╢╨╜╤Л╨╣ ╤Д╨░╨║╤В╨╛╤А, ╨┐╨╛╤В╨╛╨╝╤Г ╤З╤В╨╛ ╨┐╤А╨░╨▓╨╕╨╗╤М╨╜╤Л╨╡ ╨╛╤В╨╜╨╛╤И╨╡╨╜╨╕╤П ╤Б ╨▒╨░╨╜╨║╨╛╨╝ ╨╝╨╛╨│╤Г╤В ╨┤╨░╤В╤М ╨▓╨░╨╝ ╤Ж╨╡╨╜╨╜╤Л╨╣ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╣ ╤Б╨╛╨▓╨╡╤В ╨╕ ╨┐╨╛╨▓╤Л╤Б╨╕╤В╤М ╨▓╨░╤И╨╕ ╤И╨░╨╜╤Б╤Л ╨╜╨░ ╨┐╨╛╨╗╤Г╤З╨╡╨╜╨╕╨╡ ╤Д╨╕╨╜╨░╨╜╤Б╨╕╤А╨╛╨▓╨░╨╜╨╕╤П ╨╕ ╨┐╨╛╨╗╤Г╤З╨╡╨╜╨╕╨╡ ╨▓╤Л╨│╨╛╨┤╨╜╤Л╤Е ╤Г╤Б╨╗╨╛╨▓╨╕╨╣.

╨Ъ╨░╨║╨╕╨╡ ╨▒╨░╨╜╨║╨╛╨▓╤Б╨║╨╕╨╡ ╤Г╤Б╨╗╤Г╨│╨╕ ╨┤╨╗╤П ╨╝╨░╨╗╨╛╨│╨╛ ╨▒╨╕╨╖╨╜╨╡╤Б╨░ ╨┤╨╛╨╗╨╢╨╡╨╜ ╨┐╤А╨╡╨┤╨╗╨░╨│╨░╤В╤М ╨▓╨░╤И ╨▒╨░╨╜╨║?

╨Ь╨░╨╗╤Л╨╣ ╨▒╨╕╨╖╨╜╨╡╤Б ╨╜╤Г╨╢╨┤╨░╨╡╤В╤Б╤П ╨▓ ╤А╨░╨╖╨╗╨╕╤З╨╜╤Л╤Е ╨▒╨╕╨╖╨╜╨╡╤Б-╨▒╨░╨╜╨║╨╛╨▓╤Б╨║╨╕╤Е ╤Г╤Б╨╗╤Г╨│╨░╤Е. ╨Т╤Л ╤Е╨╛╤В╨╕╤В╨╡ ╨▓╤Л╨▒╤А╨░╤В╤М ╨▒╨░╨╜╨║, ╨║╨╛╤В╨╛╤А╤Л╨╣ ╨┐╤А╨╡╨┤╨╗╨░╨│╨░╨╡╤В ╨┐╨╛╨╗╨╜╤Л╨╣ ╤Б╨┐╨╡╨║╤В╤А ╤Г╤Б╨╗╤Г╨│, ╤З╤В╨╛╨▒╤Л ╤Г╨┤╨╛╨▓╨╗╨╡╤В╨▓╨╛╤А╨╕╤В╤М ╨▓╨░╤И╨╕ ╨▒╨░╨╜╨║╨╛╨▓╤Б╨║╨╕╨╡ ╨┐╨╛╤В╤А╨╡╨▒╨╜╨╛╤Б╤В╨╕ ╨┐╨╛ ╨╝╨╡╤А╨╡ ╤А╨╛╤Б╤В╨░ ╨▓╨░╤И╨╡╨│╨╛ ╨▒╨╕╨╖╨╜╨╡╤Б╨░. ╨Т╨╛╤В ╨╜╨╡╨║╨╛╤В╨╛╤А╤Л╨╡ ╨╛╤Б╨╛╨▒╨╡╨╜╨╜╨╛╤Б╤В╨╕, ╨╜╨░ ╨║╨╛╤В╨╛╤А╤Л╨╡ ╤Б╤В╨╛╨╕╤В ╨╛╨▒╤А╨░╤В╨╕╤В╤М ╨▓╨╜╨╕╨╝╨░╨╜╨╕╨╡.

╨г╨┤╨╛╨▒╨╜╤Л╨╣ ╨┤╨╛╤Б╤В╤Г╨┐ ╨║ ╨░╨▓╤В╨╛╨╝╨░╤В╨╕╨╖╨╕╤А╨╛╨▓╨░╨╜╨╜╨╛╨╣ ╤А╨░╤Б╤З╨╡╤В╨╜╨╛╨╣ ╨┐╨░╨╗╨░╤В╨╡

ACH ╨┐╨╛╨╖╨▓╨╛╨╗╤П╨╡╤В ╨┐╨╡╤А╨╡╨▓╨╛╨┤╨╕╤В╤М ╨┤╨╡╨╜╤М╨│╨╕ ╨▓ ╤Н╨╗╨╡╨║╤В╤А╨╛╨╜╨╜╨╛╨╝ ╨▓╨╕╨┤╨╡ ╨▒╨╡╨╖ ╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╨╜╨╕╤П ╨▒╤Г╨╝╨░╨╢╨╜╤Л╤Е ╤З╨╡╨║╨╛╨▓, ╨▒╨░╨╜╨║╨╛╨▓╤Б╨║╨╕╤Е ╨┐╨╡╤А╨╡╨▓╨╛╨┤╨╛╨▓ ╨╕╨╗╨╕ ╨╜╨░╨╗╨╕╤З╨╜╤Л╤Е ╨┤╨╡╨╜╨╡╨│. ╨Х╨│╨╛ ╨╝╨╛╨╢╨╜╨╛ ╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╤В╤М ╨║╨░╨║ ╨┤╨╗╤П ╨║╤А╨╡╨┤╨╕╤В╨╛╤А╤Б╨║╨╛╨╣, ╤В╨░╨║ ╨╕ ╨┤╨╗╤П ╨┤╨╡╨▒╨╕╤В╨╛╤А╤Б╨║╨╛╨╣ ╨╖╨░╨┤╨╛╨╗╨╢╨╡╨╜╨╜╨╛╤Б╤В╨╕. ╨Я╤А╨╡╨┤╨┐╤А╨╕╤П╤В╨╕╤П ╤З╨░╤Б╤В╨╛ ╨╕╤Б╨┐╨╛╨╗╤М╨╖╤Г╤О╤В ╨╡╨│╨╛ ╨┤╨╗╤П ╤А╨░╤Б╤З╨╡╤В╨░ ╨╖╨░╤А╨░╨▒╨╛╤В╨╜╨╛╨╣ ╨┐╨╗╨░╤В╤Л, ╨┐╨╗╨░╤В╨╡╨╢╨╡╨╣ ╨┐╨╛ ╨║╤А╨╡╨┤╨╕╤В╨░╨╝ ╨╕ ╨┐╨╗╨░╤В╨╡╨╢╨╡╨╣ ╨╝╨╡╨╢╨┤╤Г ╨┐╤А╨╡╨┤╨┐╤А╨╕╤П╤В╨╕╤П╨╝╨╕. ╨Ю╨╜╨╕ ╤В╨░╨║╨╢╨╡ ╨╕╤Б╨┐╨╛╨╗╤М╨╖╤Г╤О╤В ╨╡╨│╨╛ ╨┤╨╗╤П ╨┐╤А╨╕╨╡╨╝╨░ ╨┐╨╗╨░╤В╨╡╨╢╨╡╨╣ ╨╛╤В ╨║╨╗╨╕╨╡╨╜╤В╨╛╨▓, ╨╛╤Б╨╛╨▒╨╡╨╜╨╜╨╛ ╨┤╨╗╤П ╨║╤А╤Г╨┐╨╜╤Л╤Е ╤Б╤З╨╡╤В╨╛╨▓ ╨╕ ╤А╨╡╨│╤Г╨╗╤П╤А╨╜╤Л╤Е ╨┐╨╗╨░╤В╨╡╨╢╨╡╨╣.

╨б╤В╨╛╨╕╨╝╨╛╤Б╤В╤М ╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╨╜╨╕╤П ACH ╨╖╨░╨▓╨╕╤Б╨╕╤В ╨╛╤В ╨▒╨░╨╜╨║╨░. ╨Э╨╡╨║╨╛╤В╨╛╤А╤Л╨╡ ╨▓╨╖╨╕╨╝╨░╤О╤В ╤Д╨╕╨║╤Б╨╕╤А╨╛╨▓╨░╨╜╨╜╤Г╤О ╨┐╨╗╨░╤В╤Г ╨╕╨╗╨╕ ╨╜╨╡╨▒╨╛╨╗╤М╤И╨╛╨╣ ╨┐╤А╨╛╤Ж╨╡╨╜╤В ╨╖╨░ ╨║╨░╨╢╨┤╤Г╤О ╤В╤А╨░╨╜╨╖╨░╨║╤Ж╨╕╤О, ╨▓ ╤В╨╛ ╨▓╤А╨╡╨╝╤П ╨║╨░╨║ ╨┤╤А╤Г╨│╨╕╨╡ ╨▓╨╖╨╕╨╝╨░╤О╤В ╨╡╨╢╨╡╨╝╨╡╤Б╤П╤З╨╜╤Г╤О ╨┐╨╗╨░╤В╤Г ╨╖╨░ ╨╛╨┐╤А╨╡╨┤╨╡╨╗╨╡╨╜╨╜╨╛╨╡ ╨║╨╛╨╗╨╕╤З╨╡╤Б╤В╨▓╨╛ ╨┐╨╡╤А╨╡╨▓╨╛╨┤╨╛╨▓. ╨Я╤А╨╡╨╢╨┤╨╡ ╤З╨╡╨╝ ╨╖╨░╤А╨╡╨│╨╕╤Б╤В╤А╨╕╤А╨╛╨▓╨░╤В╤М╤Б╤П ╨▓ ╨▒╨░╨╜╨║╨╡, ╤Б╨┐╤А╨╛╤Б╨╕╤В╨╡, ╤Б╨║╨╛╨╗╤М╨║╨╛ ╨╛╨╜ ╨▓╨╖╨╕╨╝╨░╨╡╤В ╨╖╨░ ╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╨╜╨╕╨╡ ╤Н╤В╨╛╨╣ ╤Г╤Б╨╗╤Г╨│╨╕.

╨Ш╨╜╤В╨╡╨│╤А╨░╤Ж╨╕╤П ╨▒╤Г╤Е╨│╨░╨╗╤В╨╡╤А╤Б╨║╨╛╨│╨╛ ╨┐╤А╨╛╨│╤А╨░╨╝╨╝╨╜╨╛╨│╨╛ ╨╛╨▒╨╡╤Б╨┐╨╡╤З╨╡╨╜╨╕╤П

╨Ш╨╜╤В╨╡╨│╤А╨░╤Ж╨╕╤П ╤Б ╨▓╨░╤И╨╕╨╝ ╨▒╤Г╤Е╨│╨░╨╗╤В╨╡╤А╤Б╨║╨╕╨╝ ╨┐╤А╨╛╨│╤А╨░╨╝╨╝╨╜╤Л╨╝ ╨╛╨▒╨╡╤Б╨┐╨╡╤З╨╡╨╜╨╕╨╡╨╝ ╨╝╨╛╨╢╨╡╤В ╨╕╨╝╨╡╤В╤М ╤А╨╡╤И╨░╤О╤Й╨╡╨╡ ╨╖╨╜╨░╤З╨╡╨╜╨╕╨╡, ╨║╨╛╨│╨┤╨░ ╨┤╨╡╨╗╨╛ ╨┤╨╛╤Е╨╛╨┤╨╕╤В ╨┤╨╛ ╤Г╨┐╤А╨░╨▓╨╗╨╡╨╜╨╕╤П ╨▓╨░╤И╨╕╨╝ ╨▒╨░╨╜╨║╨╛╨▓╤Б╨║╨╕╨╝ ╤Б╤З╨╡╤В╨╛╨╝. ╨н╤В╨╛ ╨┐╨╛╨╖╨▓╨╛╨╗╤П╨╡╤В ╨▓╨░╨╝ ╨╛╤В╤Б╨╗╨╡╨╢╨╕╨▓╨░╤В╤М ╤Б╨▓╨╛╨╕ ╤Д╨╕╨╜╨░╨╜╤Б╤Л ╨╕ ╨║╨╛╨╜╤В╤А╨╛╨╗╨╕╤А╨╛╨▓╨░╤В╤М ╤Б╨▓╨╛╨╣ ╨┤╨╡╨╜╨╡╨╢╨╜╤Л╨╣ ╨┐╨╛╤В╨╛╨║ ╨╡╨╢╨╡╨┤╨╜╨╡╨▓╨╜╨╛. ╨н╤В╨╛ ╤В╨░╨║╨╢╨╡ ╨┐╨╛╨╝╨╛╨╢╨╡╤В ╨▓╨░╨╝ ╨╕╨╖╨▒╨╡╨╢╨░╤В╤М ╨╛╤И╨╕╨▒╨╛╨║ ╨▓ ╨▒╤Г╤Е╨│╨░╨╗╤В╨╡╤А╤Б╨║╨╛╨╝ ╤Г╤З╨╡╤В╨╡, ╨┐╨╛╤Б╨║╨╛╨╗╤М╨║╤Г ╨░╨▓╤В╨╛╨╝╨░╤В╨╕╤З╨╡╤Б╨║╨╕ ╤Д╨╕╨║╤Б╨╕╤А╤Г╨╡╤В ╨┤╨▓╨╕╨╢╨╡╨╜╨╕╨╡ ╨┤╨╡╨╜╨╡╨│ ╨╜╨░ ╨▓╨░╤И╨╕╤Е ╤Б╤З╨╡╤В╨░╤Е ╨╕ тАЛтАЛ╨╕╤Е ╤Б╨╜╤П╤В╨╕╨╡.

╨Т ╨┤╨╛╨┐╨╛╨╗╨╜╨╡╨╜╨╕╨╡ ╨║ ╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╨╜╨╕╤О ╨╗╤Г╤З╤И╨╡╨│╨╛ ╨┐╤А╨╛╨│╤А╨░╨╝╨╝╨╜╨╛╨│╨╛ ╨╛╨▒╨╡╤Б╨┐╨╡╤З╨╡╨╜╨╕╤П ╨┤╨╗╤П ╨▒╤Г╤Е╨│╨░╨╗╤В╨╡╤А╤Б╨║╨╛╨│╨╛ ╤Г╤З╨╡╤В╨░, ╨▓╤Л ╤В╨░╨║╨╢╨╡ ╨╖╨░╤Е╨╛╤В╨╕╤В╨╡ ╨╜╨░╨╣╤В╨╕ ╨▒╤Г╤Е╨│╨░╨╗╤В╨╡╤А╨░ ╨┤╨╗╤П ╨╝╨░╨╗╨╛╨│╨╛ ╨▒╨╕╨╖╨╜╨╡╤Б╨░, ╨║╨╛╤В╨╛╤А╤Л╨╣ ╨┐╨╛╨╝╨╛╨╢╨╡╤В ╨╛╨▒╨╡╤Б╨┐╨╡╤З╨╕╤В╤М ╨╜╨░╨┤╨╗╨╡╨╢╨░╤Й╨╕╨╣ ╨┐╨╛╤А╤П╨┤╨╛╨║ ╨▓╨░╤И╨╕╤Е ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓.

╨г╤Б╨╗╤Г╨│╨╕ ╨┐╨╛ ╤А╨░╤Б╤З╨╡╤В╤Г ╨╖╨░╤А╨░╨▒╨╛╤В╨╜╨╛╨╣ ╨┐╨╗╨░╤В╤Л

╨Я╨╛╤Б╨║╨╛╨╗╤М╨║╤Г ╨╝╨░╨╗╤Л╨╡ ╨┐╤А╨╡╨┤╨┐╤А╨╕╤П╤В╨╕╤П ╨╜╨░╨╜╨╕╨╝╨░╤О╤В ╨▒╨╛╨╗╤М╤И╨╡ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╛╨▓, ╨┐╤А╨╡╨┤╨╗╨░╨│╨░╨╡╨╝╨░╤П ╨▒╨░╨╜╨║╨╛╨╝ ╤Г╤Б╨╗╤Г╨│╨░ ╨┐╨╛ ╤А╨░╤Б╤З╨╡╤В╤Г ╨╖╨░╤А╨░╨▒╨╛╤В╨╜╨╛╨╣ ╨┐╨╗╨░╤В╤Л ╨╝╨╛╨╢╨╡╤В ╤Г╨┐╤А╨╛╤Б╤В╨╕╤В╤М ╨▒╤Г╤Е╨│╨░╨╗╤В╨╡╤А╤Б╨║╨╕╨╣ ╤Г╤З╨╡╤В ╨┤╨╗╤П ╨╖╨░╨╜╤П╤В╤Л╤Е ╨▓╨╗╨░╨┤╨╡╨╗╤М╤Ж╨╡╨▓ ╨╝╨░╨╗╨╛╨│╨╛ ╨▒╨╕╨╖╨╜╨╡╤Б╨░. ┬л╨Х╤Б╨╗╨╕ ╤Г ╨▓╨░╤Б ╨╜╨╡╨┤╨╛╤Б╤В╨░╤В╨╛╤З╨╜╨╛ ╤Б╤А╨╡╨┤╤Б╤В╨▓ ╨┤╨╗╤П ╨╜╨╡╨╖╨░╨▓╨╕╤Б╨╕╨╝╨╛╨│╨╛ ╨▒╤Г╤Е╨│╨░╨╗╤В╨╡╤А╨░, ╨╝╨╜╨╛╨│╨╕╨╡ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╤Л╨╡ ╤Г╤З╤А╨╡╨╢╨┤╨╡╨╜╨╕╤П ╨┐╤А╨╡╨┤╨╗╨░╨│╨░╤О╤В ╨┤╨╛╤Б╤В╤Г╨┐ ╨║ ╨┐╤А╨╛╨│╤А╨░╨╝╨╝╨╜╨╛╨╝╤Г ╨╛╨▒╨╡╤Б╨┐╨╡╤З╨╡╨╜╨╕╤О ╨╕╨╗╨╕ ╤Г╤Б╨╗╤Г╨│╨░╨╝ ╨┐╨╛ ╤А╨░╤Б╤З╨╡╤В╤Г ╨╖╨░╤А╨░╨▒╨╛╤В╨╜╨╛╨╣ ╨┐╨╗╨░╤В╤Л, ╤З╤В╨╛╨▒╤Л ╨┐╨╛╨╝╨╛╤З╤М ╨▓╨░╨╝ ╨┤╨╛╨▒╨╕╤В╤М╤Б╤П ╤Ж╨╡╨╗╨╕┬╗, тАФ ╤Б╨║╨░╨╖╨░╨╗╨░ ╨Ф╨╢╨╡╨╜╨╜╨╕╤Д╨╡╤А ╨Ь╨░╤А╤В╨╕╨╜, ╨║╨╛╤Г╤З ╨┐╨╛ ╨╝╨░╨╗╨╛╨╝╤Г ╨▒╨╕╨╖╨╜╨╡╤Б╤Г ╨╕ ╨▓╨╗╨░╨┤╨╡╨╗╨╕╤Ж╨░ Zest Business Consulting.

╨г╤Б╨╗╤Г╨│╨╕ ╨┐╨╛ ╤А╨░╤Б╤З╨╡╤В╤Г ╨╖╨░╤А╨░╨▒╨╛╤В╨╜╨╛╨╣ ╨┐╨╗╨░╤В╤Л ╤В╨░╨║╨╢╨╡ ╨┐╤А╨╡╨┤╨╗╨░╨│╨░╤О╤В╤Б╤П ╨╜╨╡╨╖╨░╨▓╨╕╤Б╨╕╨╝╤Л╨╝╨╕ ╨║╨╛╨╝╨┐╨░╨╜╨╕╤П╨╝╨╕ ╨┐╨╛ ╤А╨░╤Б╤З╨╡╤В╤Г ╨╖╨░╤А╨░╨▒╨╛╤В╨╜╨╛╨╣ ╨┐╨╗╨░╤В╤Л. ╨Я╤А╨╡╨╢╨┤╨╡ ╤З╨╡╨╝ ╨┐╨╛╨┤╨┐╨╕╤Б╨░╤В╤М╤Б╤П ╨╜╨░ ╤Г╤Б╨╗╤Г╨│╤Г ╤З╨╡╤А╨╡╨╖ ╤Б╨╛╨▒╤Б╤В╨▓╨╡╨╜╨╜╨╛╨╡ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╨╛╨╡ ╤Г╤З╤А╨╡╨╢╨┤╨╡╨╜╨╕╨╡, ╤Б╤А╨░╨▓╨╜╨╕╤В╨╡ ╨╛╤Б╨╛╨▒╨╡╨╜╨╜╨╛╤Б╤В╨╕ ╨┐╤А╨╛╨│╤А╨░╨╝╨╝, ╨┐╤А╨╡╨┤╨╗╨░╨│╨░╨╡╨╝╤Л╤Е ╨▒╨░╨╜╨║╨╛╨╝, ╤Б ╨┐╤А╨╛╨│╤А╨░╨╝╨╝╨░╨╝╨╕, ╨┐╤А╨╡╨┤╨╗╨░╨│╨░╨╡╨╝╤Л╨╝╨╕ ╤Б╤В╨╛╤А╨╛╨╜╨╜╨╕╨╝╨╕ ╨║╨╛╨╝╨┐╨░╨╜╨╕╤П╨╝╨╕, тАФ ╨┐╨╛╤Б╨╛╨▓╨╡╤В╨╛╨▓╨░╨╗ ╨а╨╛╤Е╨╕╤В ╨Р╤А╨╛╤А╨░, ╨│╨╡╨╜╨╡╤А╨░╨╗╤М╨╜╤Л╨╣ ╨┤╨╕╤А╨╡╨║╤В╨╛╤А Biz2Credit, ╨╛╨╜╨╗╨░╨╣╨╜-╨║╤А╨╡╨┤╨╕╤В╨╜╨╛╨│╨╛ ╤А╨╡╤Б╤Г╤А╤Б╨░ ╨┤╨╗╤П ╨╝╨░╨╗╨╛╨│╨╛ ╨▒╨╕╨╖╨╜╨╡╤Б╨░. ┬л╨Т ╤Б╨╗╤Г╤З╨░╨╡ ╤Б ╨┐╨╗╨░╤В╨╡╨╢╨╜╨╛╨╣ ╨▓╨╡╨┤╨╛╨╝╨╛╤Б╤В╤М╤О, ╨┐╤А╨╡╨┤╨╗╨░╨│╨░╨╡╨╝╨╛╨╣ ╨▒╨░╨╜╨║╨╛╨╝, ╤Б╨╗╨╡╨┤╤Г╨╡╤В ╨┐╨╛╤Б╨╝╨╛╤В╤А╨╡╤В╤М, ╤З╤В╨╛ ╨┐╤А╨╛╨╕╨╖╨╛╨╣╨┤╨╡╤В ╨▓ ╤Б╨╗╤Г╤З╨░╨╡ ╨╜╨╡╤Е╨▓╨░╤В╨║╨╕ ╤Б╤А╨╡╨┤╤Б╤В╨▓┬╗, тАФ ╤Б╨║╨░╨╖╨░╨╗ ╨Р╤А╨╛╤А╨░. ╨Я╨╛ ╤Б╨╗╨╛╨▓╨░╨╝ ╨Р╤А╨╛╤А╨░, ╨╛╨▒╤П╨╖╨░╤В╨╡╨╗╤М╨╜╨╛ ╤Б╤А╨░╨▓╨╜╨╕╤В╨╡ ╨║╨╛╨╝╨╕╤Б╤Б╨╕╤О, ╨▓╨╖╨╕╨╝╨░╨╡╨╝╤Г╤О ╨▒╨░╨╜╨║╨░╨╝╨╕, ╤Б ╨║╨╛╨╝╨╕╤Б╤Б╨╕╨╡╨╣, ╨▓╨╖╨╕╨╝╨░╨╡╨╝╨╛╨╣ ╨╜╨╡╨╖╨░╨▓╨╕╤Б╨╕╨╝╤Л╨╝╨╕ ╨┐╨╛╤Б╤В╨░╨▓╤Й╨╕╨║╨░╨╝╨╕ ╤Г╤Б╨╗╤Г╨│ ╨┐╨╛ ╤А╨░╤Б╤З╨╡╤В╤Г ╨╖╨░╤А╨░╨▒╨╛╤В╨╜╨╛╨╣ ╨┐╨╗╨░╤В╤Л.

╨Т╤Л╨▒╨╕╤А╨░╤П ╨╛╨╜╨╗╨░╨╣╨╜-╤Г╤Б╨╗╤Г╨│╨╕ ╨┐╨╛ ╤А╨░╤Б╤З╨╡╤В╤Г ╨╖╨░╤А╨░╨▒╨╛╤В╨╜╨╛╨╣ ╨┐╨╗╨░╤В╤Л, ╤Г╨▒╨╡╨┤╨╕╤В╨╡╤Б╤М, ╤З╤В╨╛ ╨╛╨╜╨╕ ╨┐╤А╨╛╤Б╤В╤Л ╨▓ ╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╨╜╨╕╨╕, ╨╝╨╛╨│╤Г╤В ╤А╨░╤Б╤В╨╕ ╨▓╨╝╨╡╤Б╤В╨╡ ╤Б ╨▓╨░╤И╨╕╨╝ ╨▒╨╕╨╖╨╜╨╡╤Б╨╛╨╝, ╨╕╨╝╨╡╤О╤В ╤Д╤Г╨╜╨║╤Ж╨╕╨╕ ╨╕ ╨╕╨╜╤Б╤В╤А╤Г╨╝╨╡╨╜╤В╤Л, ╨║╨╛╤В╨╛╤А╤Л╨╡ ╨▓╤Л ╨╕╤Й╨╡╤В╨╡, ╨╕ ╨▓╨┐╨╕╤Б╤Л╨▓╨░╤О╤В╤Б╤П ╨▓ ╨▓╨░╤И ╨▒╤О╨┤╨╢╨╡╤В. ╨Ъ╤А╨╛╨╝╨╡ ╤В╨╛╨│╨╛, ╨╛╨╜ ╨┤╨╛╨╗╨╢╨╡╨╜ ╨┐╤А╨╡╨┤╨╗╨░╨│╨░╤В╤М ╨╝╨╜╨╛╨╢╨╡╤Б╤В╨▓╨╛ ╤Б╨┐╨╛╤Б╨╛╨▒╨╛╨▓ ╨╛╨┐╨╗╨░╤В╤Л ╤В╤А╤Г╨┤╨░ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╛╨▓, ╨▓╨║╨╗╤О╤З╨░╤П ╨┐╤А╤П╨╝╨╛╨╣ ╨┤╨╡╨┐╨╛╨╖╨╕╤В ╨╕ ╨░╨╗╤М╤В╨╡╤А╨╜╨░╤В╨╕╨▓╤Л ╨┐╤А╤П╨╝╨╛╨│╨╛ ╨┤╨╡╨┐╨╛╨╖╨╕╤В╨░, ╤В╨░╨║╨╕╨╡ ╨║╨░╨║ ╨▒╤Г╨╝╨░╨╢╨╜╤Л╨╡ ╤З╨╡╨║╨╕ ╨╕ ╨╛╨╜╨╗╨░╨╣╨╜-╨▒╨░╨╜╨║╨╕.

╨Ю╨╜╨╗╨░╨╣╨╜ ╨▒╨░╨╜╨║╨╕╨╜╨│

╨Т╤Л ╨┤╨╛╨╗╨╢╨╜╤Л ╨╕╨╝╨╡╤В╤М ╨▓╨╛╨╖╨╝╨╛╨╢╨╜╨╛╤Б╤В╤М ╨┐╨╡╤А╨╡╨▓╨╛╨┤╨╕╤В╤М ╨┤╨╡╨╜╤М╨│╨╕, ╨╛╨┐╨╗╨░╤З╨╕╨▓╨░╤В╤М ╤Б╤З╨╡╤В╨░ ╨╕ ╨┤╨╡╨┐╨╛╨╖╨╕╤В╨╜╤Л╨╡ ╤З╨╡╨║╨╕ ╤Б╨╛ ╤Б╨▓╨╛╨╡╨│╨╛ ╨║╨╛╨╝╨┐╤М╤О╤В╨╡╤А╨░ ╨╕╨╗╨╕ ╤В╨╡╨╗╨╡╤Д╨╛╨╜╨░.

╨Т╨╛╨╖╨╝╨╛╨╢╨╜╨╛, ╨▓╤Л ╤Б╨╝╨╛╨╢╨╡╤В╨╡ ╤Б╤Н╨║╨╛╨╜╨╛╨╝╨╕╤В╤М ╨┤╨╡╨╜╤М╨│╨╕ ╨╜╨░ ╨▒╨░╨╜╨║╨╛╨▓╤Б╨║╨╕╤Е ╤Г╤Б╨╗╤Г╨│╨░╤Е, ╨╡╤Б╨╗╨╕ ╨▓╤Л╨▒╨╡╤А╨╡╤В╨╡ ╨▒╨░╨╜╨║, ╤А╨░╨▒╨╛╤В╨░╤О╤Й╨╕╨╣ ╤В╨╛╨╗╤М╨║╨╛ ╨▓ ╨Ш╨╜╤В╨╡╤А╨╜╨╡╤В╨╡, ╨┐╨╛╤В╨╛╨╝╤Г ╤З╤В╨╛ ╨║╨╛╨╝╨╕╤Б╤Б╨╕╨╕ ╤З╨░╤Б╤В╨╛ ╨╜╨╕╨╢╨╡, ╨┐╨╛╤Б╨║╨╛╨╗╤М╨║╤Г ╨▒╨░╨╜╨║ ╨╜╨╡ ╨╕╨╝╨╡╨╡╤В ╤Д╨╕╨╖╨╕╤З╨╡╤Б╨║╨╛╨│╨╛ ╨╝╨╡╤Б╤В╨╛╨┐╨╛╨╗╨╛╨╢╨╡╨╜╨╕╤П.

╨б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╨╡ ╨╛╤В ╨╝╨╛╤И╨╡╨╜╨╜╨╕╤З╨╡╤Б╤В╨▓╨░

╨Ю╨┤╨╜╨╛╨╣ ╨╕╨╖ ╨╜╨╛╨▓╤Л╤Е ╤Д╤Г╨╜╨║╤Ж╨╕╨╣, ╨┐╨╛╤П╨▓╨╕╨▓╤И╨╕╤Е╤Б╤П ╨▓ ╨▒╨░╨╜╨║╨╛╨▓╤Б╨║╨╕╤Е ╨┐╨░╨║╨╡╤В╨░╤Е, ╤П╨▓╨╗╤П╨╡╤В╤Б╤П ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╨╡ ╨╛╤В ╨╝╨╛╤И╨╡╨╜╨╜╨╕╤З╨╡╤Б╤В╨▓╨░. ┬л╨Ъ╤А╨╡╨┤╨╕╤В╨╜╨╛╨╡ ╤Г╤З╤А╨╡╨╢╨┤╨╡╨╜╨╕╨╡ ╨┐╤А╨╡╨┤╨╛╤Б╤В╨░╨▓╨╗╤П╨╡╤В ╤Б╤В╤А╨░╤Е╨╛╨▓╨║╤Г ╨╛╤В ╨╝╨╛╤И╨╡╨╜╨╜╨╕╤З╨╡╤Б╤В╨▓╨░, ╤З╤В╨╛╨▒╤Л ╨┐╤А╨╡╨┤╨╛╤В╨▓╤А╨░╤В╨╕╤В╤М ╨╗╤О╨▒╤Л╨╡ ╨┐╨╛╤В╨╡╤А╨╕ ╨╜╨░ ╤А╨░╤Б╤З╨╡╤В╨╜╨╛╨╝ ╤Б╤З╨╡╤В╨╡ ╨▒╨╕╨╖╨╜╨╡╤Б╨░ ╨╕╨╖-╨╖╨░ ╨╝╨╛╤И╨╡╨╜╨╜╨╕╤З╨╡╤Б╨║╨╕╤Е ╤В╤А╨░╨╜╨╖╨░╨║╤Ж╨╕╨╣┬╗, тАФ ╤Б╨║╨░╨╖╨░╨╗ ╨Р╤А╨╛╤А╨░.

╨Р╤А╨╛╤А╨░ ╨╛╨▒╤К╤П╤Б╨╜╨╕╨╗, ╤З╤В╨╛ ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╨╡ ╨╛╤В ╨╝╨╛╤И╨╡╨╜╨╜╨╕╤З╨╡╤Б╤В╨▓╨░ ╨▓╨░╨╢╨╜╨╛ ╨┤╨╗╤П ╨▒╨╕╨╖╨╜╨╡╤Б-╤Б╤З╨╡╤В╨╛╨▓, ╨║╨╛╤В╨╛╤А╤Л╨╡ ╨┐╤А╨╡╨┤╨╛╤Б╤В╨░╨▓╨╗╤П╤О╤В ╨┤╨╛╤Б╤В╤Г╨┐ ╨║ ╤Б╤З╨╡╤В╤Г ╨▒╨╛╨╗╨╡╨╡ ╤З╨╡╨╝ ╨╛╨┤╨╜╨╛╨╝╤Г ╤З╨╡╨╗╨╛╨▓╨╡╨║╤Г, ╨╛╤Б╨╛╨▒╨╡╨╜╨╜╨╛ ╨║╨╛╨│╨┤╨░ ╤Б╤З╨╡╤В╨░ ╨╛╨▒╤Л╤З╨╜╨╛ ╨╕╨╝╨╡╤О╤В ╨╜╨╡╤Б╨║╨╛╨╗╤М╨║╨╛ ╨╡╨╢╨╡╨┤╨╜╨╡╨▓╨╜╤Л╤Е ╤В╤А╨░╨╜╨╖╨░╨║╤Ж╨╕╨╣.

┬л╨Т╨░╨╢╨╜╨╛ ╨▓╨║╨╗╤О╤З╨╕╤В╤М ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╨╡ ╨╛╤В ╨╝╨╛╤И╨╡╨╜╨╜╨╕╤З╨╡╤Б╤В╨▓╨░, ╤З╤В╨╛╨▒╤Л ╨╛╨╜╨╛ ╨╜╨╡ ╤В╨╛╨╗╤М╨║╨╛ ╨┐╤А╨╡╨┤╨╛╤В╨▓╤А╨░╤В╨╕╨╗╨╛ ╨┐╨╛╤В╨╡╤А╤О ╨┤╨╡╨╜╨╡╨│ ╨▓ ╤А╨╡╨╖╤Г╨╗╤М╤В╨░╤В╨╡ ╨╝╨╛╤И╨╡╨╜╨╜╨╕╤З╨╡╤Б╤В╨▓╨░, ╨╜╨╛ ╨╕ ╨┐╤А╨╡╨┤╨╛╤В╨▓╤А╨░╤В╨╕╨╗╨╛ ╨▓╨╛╨╖╨▓╤А╨░╤В ╤З╨╡╨║╨╛╨▓ ╨┐╤А╨╛╨┤╨░╨▓╤Ж╨░╨╝╨╕┬╗, тАФ ╤Б╨║╨░╨╖╨░╨╗ ╨╛╨╜. ┬л╨н╤В╨╛ ╨╝╨╛╨╢╨╡╤В ╨┐╤А╨╕╨▓╨╡╤Б╤В╨╕ ╨║ ╨╜╨╡╨│╨░╤В╨╕╨▓╨╜╤Л╨╝ ╨╛╤В╨╖╤Л╨▓╨░╨╝ ╨╛ ╨║╤А╨╡╨┤╨╕╤В╨╛╤Б╨┐╨╛╤Б╨╛╨▒╨╜╨╛╤Б╤В╨╕ ╨▒╨╕╨╖╨╜╨╡╤Б╨░┬╗.

╨Я╨╡╨╜╤Б╨╕╨╛╨╜╨╜╤Л╨╡ ╤Б╤З╨╡╤В╨░ ╨╕ ╤Б╨▒╨╡╤А╨╡╨│╨░╤В╨╡╨╗╤М╨╜╤Л╨╡ ╤Б╤З╨╡╤В╨░ ╨╖╨┤╨╛╤А╨╛╨▓╤М╤П

╨Х╤Б╨╗╨╕ ╨▓╤Л ╨┤╤Г╨╝╨░╨╗╨╕ ╨╛ ╤В╨╛╨╝, ╤З╤В╨╛╨▒╤Л ╨┐╤А╨╡╨┤╨╗╨╛╨╢╨╕╤В╤М ╤Б╨▓╨╛╨╕╨╝ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨░╨╝ ╨┐╨╡╨╜╤Б╨╕╨╛╨╜╨╜╤Л╨╡ ╨┐╨╗╨░╨╜╤Л, ╤В╨░╨║╨╕╨╡ ╨║╨░╨║ ╨┐╨╗╨░╨╜╤Л 401 (k) ╨╕╨╗╨╕ ╨┐╨╡╨╜╤Б╨╕╨╕, ╨╛╨▒╤А╨░╤В╨╕╤В╨╡ ╨▓╨╜╨╕╨╝╨░╨╜╨╕╨╡ ╨╜╨╡ ╤В╨╛╨╗╤М╨║╨╛ ╨╜╨░ ╤Б╨▓╨╛╨╡╨│╨╛ ╤Б╤В╤А╨░╤Е╨╛╨▓╨╛╨│╨╛ ╨░╨│╨╡╨╜╤В╨░, ╨╜╨╛ ╨╕ ╨╜╨░ ╤Б╨▓╨╛╨╣ ╨▒╨░╨╜╨║, ╤Б╨║╨░╨╖╨░╨╗ ╨Ь╨░╤А╤В╨╕╨╜. ╨Т╤Б╨╡ ╤З╨░╤Й╨╡ ╨▒╨░╨╜╨║╨╕ ╨┐╤А╨╡╨┤╨╗╨░╨│╨░╤О╤В ╨╜╨░╤Б╤В╤А╨╛╨╣╨║╤Г ╨╕ ╨╛╨▒╤Б╨╗╤Г╨╢╨╕╨▓╨░╨╜╨╕╨╡ ╨┐╨╡╨╜╤Б╨╕╨╛╨╜╨╜╨╛╨│╨╛ ╤Б╤З╨╡╤В╨░ ╨▓ ╨║╨░╤З╨╡╤Б╤В╨▓╨╡ ╨▒╨╛╨╜╤Г╤Б╨░ ╨┤╨╗╤П ╤Б╨▓╨╛╨╕╤Е ╨▒╨╕╨╖╨╜╨╡╤Б-╨║╨╗╨╕╨╡╨╜╤В╨╛╨▓. ╨н╤В╨╛ ╨┐╤А╨╕╨▓╨╗╨╡╨║╨░╤В╨╡╨╗╤М╨╜╤Л╨╣ ╤Б╤В╨╕╨╝╤Г╨╗ ╨┐╤А╨╕ ╨╜╨░╨╣╨╝╨╡ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╛╨▓.

┬л╨Я╨╡╨╜╤Б╨╕╨╛╨╜╨╜╤Л╨╡ ╨┐╨╛╤Б╨╛╨▒╨╕╤П ╨╝╨╛╨│╤Г╤В ╤Б╤В╨░╤В╤М ╨┤╨╗╤П ╨▓╨░╤Б ╨╛╤В╨╗╨╕╤З╨╜╤Л╨╝ ╤Б╨┐╨╛╤Б╨╛╨▒╨╛╨╝ ╨▒╨╛╨╗╨╡╨╡ ╨│╨╗╤Г╨▒╨╛╨║╨╛ ╨╕╨╜╨▓╨╡╤Б╤В╨╕╤А╨╛╨▓╨░╤В╤М ╨▓ ╤Б╨▓╨╛╨╣ ╨┐╨╡╤А╤Б╨╛╨╜╨░╨╗ ╨╕ ╨╝╨╛╨│╤Г╤В ╤Б╤В╨░╤В╤М ╨┐╤А╨╕╤З╨╕╨╜╨╛╨╣ ╤В╨╛╨│╨╛, ╤З╤В╨╛ ╨╛╤В╨╗╨╕╤З╨╜╤Л╨╣ ╤Б╨╛╨╕╤Б╨║╨░╤В╨╡╨╗╤М ╨▓╤Л╨▒╨╡╤А╨╡╤В ╨▓╨░╤Б, ╨░ ╨╜╨╡ ╨║╨╛╨╜╨║╤Г╤А╨╡╨╜╤В╨╛╨▓┬╗, тАФ ╤Б╨║╨░╨╖╨░╨╗ ╨Ь╨░╤А╤В╨╕╨╜ Business News Daily.

╨Х╤Б╨╗╨╕ ╨▓╤Л ╨┐╨╗╨░╨╜╨╕╤А╤Г╨╡╤В╨╡ ╨┐╤А╨╡╨┤╨╗╨╛╨╢╨╕╤В╤М ╤Б╨▓╨╛╨╕╨╝ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨░╨╝ ╨╝╨╡╨┤╨╕╤Ж╨╕╨╜╤Б╨║╤Г╤О ╤Б╤В╤А╨░╤Е╨╛╨▓╨║╤Г, ╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╨╜╨╕╨╡ ╤Б╨╛╨▒╤Б╤В╨▓╨╡╨╜╨╜╨╛╨│╨╛ ╨▒╨░╨╜╨║╨░ ╨┤╨╗╤П ╨▓╨╜╨╡╤Б╨╡╨╜╨╕╤П ╨┤╨╡╨┐╨╛╨╖╨╕╤В╨╛╨▓ ╨╜╨░ ╨╝╨╡╨┤╨╕╤Ж╨╕╨╜╤Б╨║╨╕╨╡ ╤Б╨▒╨╡╤А╨╡╨│╨░╤В╨╡╨╗╤М╨╜╤Л╨╡ ╤Б╤З╨╡╤В╨░ (HSA) ╨┤╨╗╤П ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╛╨▓ ╤Г╨┐╤А╨╛╤Б╤В╨╕╤В ╤Н╤В╨╛╤В ╨┐╤А╨╛╤Ж╨╡╤Б╤Б. ╨Т╤Л ╨┤╨░╨╢╨╡ ╨╝╨╛╨╢╨╡╤В╨╡ ╤Б╤Н╨║╨╛╨╜╨╛╨╝╨╕╤В╤М ╨╜╨╡╨╝╨╜╨╛╨│╨╛ ╨┤╨╡╨╜╨╡╨│, ╨┤╨╡╨╗╨░╤П ╤Н╤В╨╛.

┬л╨Э╨╡╨║╨╛╤В╨╛╤А╤Л╨╡ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╨╕ ╤Б╤Н╨║╨╛╨╜╨╛╨╝╤П╤В ╨┤╨╡╨╜╤М╨│╨╕ ╨╜╨░ ╤Б╨▓╨╛╨╕╤Е ╨╜╨░╨╗╨╛╨│╨░╤Е ╨╜╨░ ╨╖╨░╤А╨░╨▒╨╛╤В╨╜╤Г╤О ╨┐╨╗╨░╤В╤Г ╨▓ ╤А╨╡╨╖╤Г╨╗╤М╤В╨░╤В╨╡ ╨▓╨╜╨╡╤Б╨╡╨╜╨╕╤П ╨┤╨╡╨┐╨╛╨╖╨╕╤В╨╛╨▓ ╨╜╨╡╨┐╨╛╤Б╤А╨╡╨┤╤Б╤В╨▓╨╡╨╜╨╜╨╛ ╨╜╨░ ╤Б╤З╨╡╤В ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨░ HSA, 401 (k) ╨╕╨╗╨╕ ╨▓ ╨┐╤А╨╛╨│╤А╨░╨╝╨╝╤Г ╨┤╨╛╨┐╨╛╨╗╨╜╨╕╤В╨╡╨╗╤М╨╜╨╛╨│╨╛ ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╤П┬╗, тАФ ╤Б╨║╨░╨╖╨░╨╗ ╨Ь╨░╤А╤В╨╕╨╜.

╨б╨║╨╕╨┤╨║╨╕ ╨╜╨░ ╤В╨╛╨▓╨░╤А╤Л ╨┤╨╗╤П ╨▒╨╕╨╖╨╜╨╡╤Б╨░

╨Я╤А╨╡╨┤╨╗╨╛╨╢╨╡╨╜╨╕╤П ╨┐╨╛ ╤Н╨║╨╛╨╜╨╛╨╝╨╕╨╕ ╨┤╨╡╨╜╨╡╨│ ╨╛╤В ╨┤╤А╤Г╨│╨╕╤Е ╨║╨╛╨╝╨┐╨░╨╜╨╕╨╣ ╤П╨▓╨╗╤П╤О╤В╤Б╤П ╤Ж╨╡╨╜╨╜╤Л╨╝╨╕ ╨▒╨╛╨╜╤Г╤Б╨╜╤Л╨╝╨╕ ╤Д╤Г╨╜╨║╤Ж╨╕╤П╨╝╨╕, ╨┤╨╛╤Б╤В╤Г╨┐╨╜╤Л╨╝╨╕ ╨▓ ╨╜╨╡╨║╨╛╤В╨╛╤А╤Л╤Е ╨▒╨░╨╜╨║╨╛╨▓╤Б╨║╨╕╤Е ╨┐╨░╨║╨╡╤В╨░╤Е ╨┤╨╗╤П ╨╝╨░╨╗╨╛╨│╨╛ ╨▒╨╕╨╖╨╜╨╡╤Б╨░. ╨Ь╨░╤А╤В╨╕╨╜ ╨╛╤В╨╝╨╡╤В╨╕╨╗, ╤З╤В╨╛ ╨╜╨╡╨║╨╛╤В╨╛╤А╤Л╨╡ ╨▒╨░╨╜╨║╨╕ ╨┐╤А╨╡╨┤╨╗╨░╨│╨░╤О╤В ╤Б╨║╨╕╨┤╨║╨╕ ╨╜╨░ ╤В╨╛╨▓╨░╤А╤Л ╨╕ ╤Г╤Б╨╗╤Г╨│╨╕ ╨┐╨░╤А╤В╨╜╨╡╤А╨╛╨▓ ╨╕╨╖-╨╖╨░ ╨╛╨│╤А╨╛╨╝╨╜╨╛╨│╨╛ ╨╛╨▒╤К╨╡╨╝╨░ ╨┐╨╛╨║╤Г╨┐╨╛╨║ ╨║╨╗╨╕╨╡╨╜╤В╨╛╨▓ ╨▒╨░╨╜╨║╨░.

╨Я╨╛╨┐╤А╨╛╤Б╨╕╤В╨╡ ╨▓ ╤Б╨▓╨╛╨╡╨╝ ╨▒╨░╨╜╨║╨╡ ╤Б╨┐╨╕╤Б╨╛╨║ ╨║╨╛╨╝╨┐╨░╨╜╨╕╨╣-╨┐╨░╤А╤В╨╜╨╡╤А╨╛╨▓, ╨┐╤А╨╡╨┤╨╗╨░╨│╨░╤О╤Й╨╕╤Е ╤Б╨║╨╕╨┤╨║╨╕ ╨║╨╗╨╕╨╡╨╜╤В╨░╨╝ ╨╝╨░╨╗╨╛╨│╨╛ ╨▒╨╕╨╖╨╜╨╡╤Б╨░. ╨в╨╕╨┐╨╕╤З╨╜╤Л╨╝╨╕ ╨┐╨░╤А╤В╨╜╨╡╤А╨░╨╝╨╕ ╤П╨▓╨╗╤П╤О╤В╤Б╤П ╨│╨╛╤Б╤В╨╕╨╜╨╕╤Ж╤Л, ╤Б╤В╤А╨░╤Е╨╛╨▓╤Л╨╡ ╨║╨╛╨╝╨┐╨░╨╜╨╕╨╕, ╨░╨▓╨╕╨░╨║╨╛╨╝╨┐╨░╨╜╨╕╨╕ ╨╕ ╨╝╨░╨│╨░╨╖╨╕╨╜╤Л ╨║╨░╨╜╤Ж╤В╨╛╨▓╨░╤А╨╛╨▓.

╨Ъ╨╛╨╜╤В╤А╨╛╨╗╤М ╤А╨░╤Б╤Е╨╛╨┤╨╛╨▓ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╛╨▓ ╨┐╨╛ ╨║╤А╨╡╨┤╨╕╤В╨╜╤Л╨╝ ╨║╨░╤А╤В╨░╨╝ ╨║╨╛╨╝╨┐╨░╨╜╨╕╨╕

╨Ю╨┤╨╕╨╜ ╨╕╨╖ ╤А╨╕╤Б╨║╨╛╨▓, ╤Б╨▓╤П╨╖╨░╨╜╨╜╤Л╤Е ╤Б ╨▓╤Л╨┐╤Г╤Б╨║╨╛╨╝ ╨║╨╛╤А╨┐╨╛╤А╨░╤В╨╕╨▓╨╜╤Л╤Е ╨║╤А╨╡╨┤╨╕╤В╨╜╤Л╤Е ╨║╨░╤А╤В, ╨╖╨░╨║╨╗╤О╤З╨░╨╡╤В╤Б╤П ╨▓ ╤В╨╛╨╝, ╤З╤В╨╛ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╕ ╨╝╨╛╨│╤Г╤В ╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╤В╤М ╨╕╤Е ╨┤╨╗╤П ╨╜╨╡╨║╨╛╨╝╨╝╨╡╤А╤З╨╡╤Б╨║╨╕╤Е ╤А╨░╤Б╤Е╨╛╨┤╨╛╨▓. ╨г╤Б╨╗╤Г╨│╨░, ╨║╨╛╤В╨╛╤А╨░╤П ╨┤╨░╨╡╤В ╨▓╨╗╨░╨┤╨╡╨╗╤М╤Ж╨░╨╝ ╨╝╨░╨╗╨╛╨│╨╛ ╨▒╨╕╨╖╨╜╨╡╤Б╨░ ╨║╨╛╨╜╤В╤А╨╛╨╗╤М ╨╜╨░╨┤ ╤А╨░╤Б╤Е╨╛╨┤╨░╨╝╨╕ ╨╜╨░ ╨┐╨╡╤А╤Б╨╛╨╜╨░╨╗, ╨╝╨╛╨╢╨╡╤В ╤Б╨╜╨╕╨╖╨╕╤В╤М ╤Н╤В╨╛╤В ╤А╨╕╤Б╨║.

┬л╨Ч╨░╨╜╤П╤В╤Л╨╡ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╨╕ ╨╛╨▒╨╡╤Б╨┐╨╛╨║╨╛╨╡╨╜╤Л ╤В╨╡╨╝, ╤Б╨║╨╛╨╗╤М╨║╨╛ ╨╕╨╗╨╕ ╤Б╨║╨╛╨╗╤М╨║╨╛ ╨╕╤Е ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╕ ╤В╤А╨░╤В╤П╤В ╨╜╨░ ╤Б╨▓╨╛╨╕ ╨║╨╛╤А╨┐╨╛╤А╨░╤В╨╕╨▓╨╜╤Л╨╡ ╨║╤А╨╡╨┤╨╕╤В╨╜╤Л╨╡ ╨║╨░╤А╤В╤Л┬╗, тАФ ╤Б╨║╨░╨╖╨░╨╗ ╨Ь╨░╤А╤В╨╕╨╜. ┬л╨Ю╨┤╨╜╨╛╨╣ ╨╕╨╖ ╨╜╨╛╨▓╨╡╨╣╤И╨╕╤Е ╤Д╤Г╨╜╨║╤Ж╨╕╨╣, ╨┤╨╛╨▒╨░╨▓╨╗╨╡╨╜╨╜╤Л╤Е ╨▓ ╨┐╤А╨╡╨┤╨╗╨╛╨╢╨╡╨╜╨╕╤П ╨╜╨╡╨║╨╛╤В╨╛╤А╤Л╤Е ╨▒╨░╨╜╨║╨╛╨▓ ╨┤╨╗╤П ╨▓╨╗╨░╨┤╨╡╨╗╤М╤Ж╨╡╨▓ ╨╝╨░╨╗╨╛╨│╨╛ ╨▒╨╕╨╖╨╜╨╡╤Б╨░, ╤П╨▓╨╗╤П╨╡╤В╤Б╤П ╨║╨╛╨╜╤В╤А╨╛╨╗╤М ╨┐╨╗╨░╤В╨╡╨╢╨╡╨╣ ╨┐╨╛ ╨║╨░╤А╤В╨░╨╝ Visa┬╗.

╨н╤В╨░ ╤Д╤Г╨╜╨║╤Ж╨╕╤П ╨┐╨╛╨╖╨▓╨╛╨╗╤П╨╡╤В ╨▓╨╗╨░╨┤╨╡╨╗╤М╤Ж╨░╨╝ ╨╝╨░╨╗╨╛╨│╨╛ ╨▒╨╕╨╖╨╜╨╡╤Б╨░ ╤Г╤Б╤В╨░╨╜╨░╨▓╨╗╨╕╨▓╨░╤В╤М ╨╛╨│╤А╨░╨╜╨╕╤З╨╡╨╜╨╕╤П ╨╜╨░ ╨╡╨╢╨╡╨┤╨╜╨╡╨▓╨╜╤Л╨╡ ╤А╨░╤Б╤Е╨╛╨┤╤Л, ╨┤╨╜╨╕ ╨╕ ╨▓╤А╨╡╨╝╤П ╤В╤А╨░╨╜╨╖╨░╨║╤Ж╨╕╨╣, ╨░ ╤В╨░╨║╨╢╨╡ ╨╝╨╡╤Б╤В╨░ ╨╕╨╗╨╕ ╨│╨╡╨╛╨│╤А╨░╤Д╨╕╤З╨╡╤Б╨║╨╕╨╡ ╨╛╨▒╨╗╨░╤Б╤В╨╕, ╨│╨┤╨╡ ╨╝╨╛╨╢╨╜╨╛ ╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╤В╤М ╨║╨░╤А╤В╤Л.

╨С╨░╨╜╨║╨╕ ╤А╨╡╨│╤Г╨╗╤П╤А╨╜╨╛ ╨┐╤А╨╡╨┤╨╗╨░╨│╨░╤О╤В ╨╜╨╛╨▓╤Л╨╡ ╤Д╤Г╨╜╨║╤Ж╨╕╨╕ ╨┤╨╗╤П ╤Б╨▓╨╛╨╕╤Е ╨▒╨╕╨╖╨╜╨╡╤Б-╨║╨╗╨╕╨╡╨╜╤В╨╛╨▓. ╨б╨╗╨╡╨┤╨╕╤В╨╡ ╨╖╨░ ╤В╨░╨║╨╕╨╝╨╕ ╤Д╤Г╨╜╨║╤Ж╨╕╤П╨╝╨╕, ╨║╨░╨║ ╨┤╨╛╤Б╤В╤Г╨┐ ╨║ ╨│╤А╤Г╨┐╨┐╨░╨╝ ╨║╨╛╨╗╨╗╨╡╨│, ╨▒╨░╨╜╨║╨╛╨▓╤Б╨║╨╕╨╝ ╨▒╨╗╨╛╨│╨░╨╝ ╤Б ╨┐╨╛╨╗╨╡╨╖╨╜╤Л╨╝ ╨▒╨╕╨╖╨╜╨╡╤Б-╨║╨╛╨╜╤В╨╡╨╜╤В╨╛╨╝, ╨▒╨╕╨╖╨╜╨╡╤Б-╨║╨╗╨░╤Б╤Б╨░╨╝, ╤Г╤З╨╡╨▒╨╜╤Л╨╝ ╨╝╨░╤В╨╡╤А╨╕╨░╨╗╨░╨╝ ╨╕ ╤Г╤Б╨╗╤Г╨│╨░╨╝ ╨┐╨╛ ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╨╛╨╝╤Г ╨┐╨╗╨░╨╜╨╕╤А╨╛╨▓╨░╨╜╨╕╤О.

╨Ъ╨░╨║╨╛╨╣ ╨▒╨░╨╜╨║ ╨╗╤Г╤З╤И╨╡ ╨┤╨╗╤П ╨▒╨╕╨╖╨╜╨╡╤Б╨░?

╨Я╨╛╨╕╤Б╨║ ╨┐╨╛╨┤╤Е╨╛╨┤╤П╤Й╨╡╨│╨╛ ╨▒╨░╨╜╨║╨░ ╨┤╨╗╤П ╨▓╨░╤И╨╡╨│╨╛ ╨▒╨╕╨╖╨╜╨╡╤Б╨░ ╤В╤А╨╡╨▒╤Г╨╡╤В ╨╜╨╡╨║╨╛╤В╨╛╤А╤Л╤Е ╨╕╤Б╤Б╨╗╨╡╨┤╨╛╨▓╨░╨╜╨╕╨╣, ╨╜╨╛ ╤Н╤В╨╛ ╤В╨╛╨│╨╛ ╤Б╤В╨╛╨╕╤В. ╨Ш╤Й╨╕╤В╨╡ ╨▒╨░╨╜╨║, ╨║╨╛╤В╨╛╤А╤Л╨╣ ╨┐╤А╨╕╨║╤А╨╡╨┐╨╗╤П╨╡╤В ╨║ ╨▓╨░╤И╨╡╨╝╤Г ╤Б╤З╨╡╤В╤Г ╨▒╨╕╨╖╨╜╨╡╤Б-╨▒╨░╨╜╨║╨╕╤А╨░ ╨╕ ╨┐╤А╨╡╨┤╨╗╨░╨│╨░╨╡╤В ╨┐╨╛╨╗╨╜╤Л╨╣ ╨╜╨░╨▒╨╛╤А ╨▒╨░╨╜╨║╨╛╨▓╤Б╨║╨╕╤Е ╨┐╤А╨╛╨┤╤Г╨║╤В╨╛╨▓ ╨╕ ╤Г╤Б╨╗╤Г╨│ ╨┤╨╗╤П ╨▒╨╕╨╖╨╜╨╡╤Б╨░, ╨▓╨║╨╗╤О╤З╨░╤П ╨┐╤А╨╛╨▓╨╡╤А╨║╤Г ╨▒╨╕╨╖╨╜╨╡╤Б╨░ ╨╕ ╤Б╤З╨╡╤В╨░ ╨┤╨╡╨╜╨╡╨╢╨╜╨╛╨│╨╛ ╤А╤Л╨╜╨║╨░, ╨╛╨╜╨╗╨░╨╣╨╜-╨▒╨░╨╜╨║╨╕╨╜╨│, ╨║╨╛╨╝╨┐╨╗╨╡╨║╤Б╨╜╤Л╨╡ ╤А╨╡╤И╨╡╨╜╨╕╤П ╨┤╨╗╤П ╤А╨░╤Б╤З╨╡╤В╨░ ╨╖╨░╤А╨░╨▒╨╛╤В╨╜╨╛╨╣ ╨┐╨╗╨░╤В╤Л, ╨▒╨╕╨╖╨╜╨╡╤Б-╨║╤А╨╡╨┤╨╕╤В╨╜╤Л╨╡ ╨║╨░╤А╤В╤Л ╨╕ ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╨╡ ╨╛╤В ╨╝╨╛╤И╨╡╨╜╨╜╨╕╤З╨╡╤Б╤В╨▓╨░.

╨Ф╨╛╨┐╨╛╨╗╨╜╨╕╤В╨╡╨╗╤М╨╜╤Л╨╣ ╨╛╤В╤З╨╡╤В ╨б╨░╤А╨╕╤В╤Л ╨е╨░╤А╨▒╨╛╤А, ╨║╨╛╤А╤А╨╡╤Б╨┐╨╛╨╜╨┤╨╡╨╜╤В╨░ Business News Daily.