╨з╤В╨╛ ╤В╨░╨║╨╛╨╡ ╨д╨б╨Р?

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

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

╨з╤В╨╛ ╤В╨░╨║╨╛╨╡ ╨│╨╕╨▒╨║╨╕╨╣ ╤Б╤З╨╡╤В ╤А╨░╤Б╤Е╨╛╨┤╨╛╨▓ ╨╜╨░ ╨╖╨┤╤А╨░╨▓╨╛╨╛╤Е╤А╨░╨╜╨╡╨╜╨╕╨╡?

╨б╤Г╤Й╨╡╤Б╤В╨▓╤Г╨╡╤В ╨┤╨▓╨░ ╨╛╤Б╨╜╨╛╨▓╨╜╤Л╤Е ╤В╨╕╨┐╨░ ╤Б╤З╨╡╤В╨╛╨▓ ╤Б ╨│╨╕╨▒╨║╨╕╨╝╨╕ ╤А╨░╤Б╤Е╨╛╨┤╨░╨╝╨╕: FSA ╨┤╨╗╤П ╨╖╨┤╤А╨░╨▓╨╛╨╛╤Е╤А╨░╨╜╨╡╨╜╨╕╤П ╨╕ FSA ╨┤╨╗╤П ╤Г╤Е╨╛╨┤╨░ ╨╖╨░ ╨╕╨╢╨┤╨╕╨▓╨╡╨╜╤Ж╨░╨╝╨╕, ╤В╨░╨║╨╢╨╡ ╨╕╨╖╨▓╨╡╤Б╤В╨╜╤Л╨╡ ╨║╨░╨║ ╨┐╤А╨╛╨│╤А╨░╨╝╨╝╨░ ╨┐╨╛╨╝╨╛╤Й╨╕ ╨┐╤А╨╕ ╤Г╤Е╨╛╨┤╨╡ ╨╖╨░ ╨╕╨╢╨┤╨╕╨▓╨╡╨╜╤Ж╨░╨╝╨╕ (DCAP). FSA ╨┤╨╗╤П ╨╖╨┤╤А╨░╨▓╨╛╨╛╤Е╤А╨░╨╜╨╡╨╜╨╕╤П тАФ ╤Н╤В╨╛ ╤Б╨▒╨╡╤А╨╡╨│╨░╤В╨╡╨╗╤М╨╜╤Л╨╣ ╤Б╤З╨╡╤В, ╨┐╤А╨╕╨╜╨░╨┤╨╗╨╡╨╢╨░╤Й╨╕╨╣ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╤О, ╨║╨╛╤В╨╛╤А╤Л╨╣ ╤А╨░╨▒╨╛╤В╨╜╨╕╨║ ╤Д╨╕╨╜╨░╨╜╤Б╨╕╤А╤Г╨╡╤В ╨╖╨░ ╤Б╤З╨╡╤В ╨╜╨╡╨╛╨▒╨╗╨░╨│╨░╨╡╨╝╤Л╤Е ╨╜╨░╨╗╨╛╨│╨╛╨╝ ╨▓╨╖╨╜╨╛╤Б╨╛╨▓. ╨б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╕ ╨╝╨╛╨│╤Г╤В ╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╤В╤М ╤Б╤А╨╡╨┤╤Б╤В╨▓╨░ FSA ╨┤╨╗╤П ╨╛╨┐╨╗╨░╤В╤Л ╤Б╨╛╨╛╤В╨▓╨╡╤В╤Б╤В╨▓╤Г╤О╤Й╨╕╤Е ╤А╨░╤Б╤Е╨╛╨┤╨╛╨▓ ╨╜╨░ ╨╖╨┤╤А╨░╨▓╨╛╨╛╤Е╤А╨░╨╜╨╡╨╜╨╕╨╡, ╤Б╤В╨╛╨╝╨░╤В╨╛╨╗╨╛╨│╨╕╤О ╨╕ ╨╖╤А╨╡╨╜╨╕╨╡ ╨┤╨╗╤П ╤Б╨╡╨▒╤П, ╤Б╨▓╨╛╨╕╤Е ╤Б╤Г╨┐╤А╤Г╨│╨╛╨▓ ╨╕ ╤Б╨╛╨╛╤В╨▓╨╡╤В╤Б╤В╨▓╤Г╤О╤Й╨╕╤Е ╨╕╨╢╨┤╨╕╨▓╨╡╨╜╤Ж╨╡╨▓. DCAP ╤В╨░╨║╨╢╨╡ ╨┐╤А╨╡╨┤╨╗╨░╨│╨░╨╡╤В ╨╜╨╡ ╨╛╨▒╨╗╨░╨│╨░╨╡╨╝╤Л╨╡ ╨╜╨░╨╗╨╛╨│╨╛╨╝ ╤Б╨▒╨╡╤А╨╡╨╢╨╡╨╜╨╕╤П, ╨╜╨╛ ╨╛╤Б╨╜╨╛╨▓╨╜╨╛╨╡ ╨▓╨╜╨╕╨╝╨░╨╜╨╕╨╡ ╨▓ ╨╜╨╡╨╝ ╤Г╨┤╨╡╨╗╤П╨╡╤В╤Б╤П ╨┐╨╛╨║╤А╤Л╤В╨╕╤О ╤А╨░╤Б╤Е╨╛╨┤╨╛╨▓, ╤Б╨▓╤П╨╖╨░╨╜╨╜╤Л╤Е ╤Б ╤А╨░╨▒╨╛╤В╨╛╨╣ ╨┐╨╛ ╤Г╤Е╨╛╨┤╤Г ╨╖╨░ ╤А╨╡╨▒╨╡╨╜╨║╨╛╨╝.

╨д╨╕╨╖╨╕╤З╨╡╤Б╨║╨╕╨╡ ╨╗╨╕╤Ж╨░ ╨╝╨╛╨│╤Г╤В ╨▓╨╜╨╛╤Б╨╕╤В╤М ╨┤╨╛ 3050 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨▓ ╨│╨╛╨┤ ╨┤╨╛╤Е╨╛╨┤╨░ ╨┤╨╛ ╨▓╤Л╤З╨╡╤В╨░ ╨╜╨░╨╗╨╛╨│╨╛╨▓ ╨▓ ╤Б╨▓╨╛╨╣ FSA ╨╜╨░ ╨╖╨┤╤А╨░╨▓╨╛╨╛╤Е╤А╨░╨╜╨╡╨╜╨╕╨╡. ╨Х╤Б╨╗╨╕ ╨╕╨╜╨╛╨╡ ╨╜╨╡ ╤Г╨║╨░╨╖╨░╨╜╨╛ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╨╡╨╝, ╨╗╤О╨▒╤Л╨╡ ╨╜╨╡╨╕╨╖╤А╨░╤Б╤Е╨╛╨┤╨╛╨▓╨░╨╜╨╜╤Л╨╡ ╨┤╨╡╨╜╤М╨│╨╕ ╨░╨╜╨╜╤Г╨╗╨╕╤А╤Г╤О╤В╤Б╤П ╨▓ ╨║╨╛╨╜╤Ж╨╡ ╨┐╨╗╨░╨╜╨╛╨▓╨╛╨│╨╛ ╨│╨╛╨┤╨░. ╨а╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╨╕ ╨╝╨╛╨│╤Г╤В ╤А╨░╨╖╤А╨╡╤И╨╕╤В╤М ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨░╨╝ ╨┐╤А╨╛╨╗╨╛╨╜╨│╨╕╤А╨╛╨▓╨░╤В╤М ╨┤╨╛ 550 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨╜╨╡╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╨╜╨╜╤Л╤Е ╤Б╤А╨╡╨┤╤Б╤В╨▓ ╨╕╨╗╨╕ ╨┐╤А╨╡╨┤╨╛╤Б╤В╨░╨▓╨╕╤В╤М ╨╕╨╝ ╨╗╤М╨│╨╛╤В╨╜╤Л╨╣ ╨┐╨╡╤А╨╕╨╛╨┤ ╨┤╨╛ 2,5 ╨╝╨╡╤Б╤П╤Ж╨╡╨▓, ╤З╤В╨╛╨▒╤Л ╨┐╨╛╤В╤А╨░╤В╨╕╤В╤М ╨╜╨╡╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╨╜╨╜╤Л╨╡ ╤Б╤А╨╡╨┤╤Б╤В╨▓╨░ ╨▓ ╨╜╨░╤З╨░╨╗╨╡ ╨╜╨╛╨▓╨╛╨│╨╛ ╨┐╨╗╨░╨╜╨╛╨▓╨╛╨│╨╛ ╨│╨╛╨┤╨░. ╨Х╤Б╨╗╨╕ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║ ╤Г╨▓╨╛╨╗╤М╨╜╤П╨╡╤В╤Б╤П ╨╕╨╖ ╨║╨╛╨╝╨┐╨░╨╜╨╕╨╕, ╨╛╨╜ ╤З╨░╤Б╤В╨╛ ╤В╨╡╤А╤П╨╡╤В ╨╛╤Б╤В╨░╨▓╤И╨╕╨╡╤Б╤П ╤Б╤А╨╡╨┤╤Б╤В╨▓╨░ FSA, ╨╡╤Б╨╗╨╕ ╤В╨╛╨╗╤М╨║╨╛ ╨╛╨╜ ╨╜╨╡ ╨╕╨╝╨╡╨╡╤В ╨┐╤А╨░╨▓╨░ ╨╜╨░ ╨┐╤А╨╛╨┤╨╗╨╡╨╜╨╕╨╡ ╤Б╤В╤А╨░╤Е╨╛╨▓╨╛╨│╨╛ ╨┐╨╛╨║╤А╤Л╤В╨╕╤П COBRA ╨╕ ╨╜╨╡ ╨▓╤Л╨▒╨╕╤А╨░╨╡╤В ╨╡╨│╨╛.

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

╨Ъ╨░╨║ ╤А╨░╨▒╨╛╤В╨░╨╡╤В FSA ╨▓ ╤Б╤Д╨╡╤А╨╡ ╨╖╨┤╤А╨░╨▓╨╛╨╛╤Е╤А╨░╨╜╨╡╨╜╨╕╤П?

╨б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╕ ╨╕ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╨╕ ╨╝╨╛╨│╤Г╤В ╨▓╨╜╨╛╤Б╨╕╤В╤М ╨┤╨╛╤Е╨╛╨┤ ╨┤╨╛ ╨╜╨░╨╗╨╛╨│╨╛╨╛╨▒╨╗╨╛╨╢╨╡╨╜╨╕╤П ╨▓ FSA ╨╖╨┤╤А╨░╨▓╨╛╨╛╤Е╤А╨░╨╜╨╡╨╜╨╕╤П, ╨╕ ╨┤╨╡╨╜╤М╨│╨╕ ╨╝╨╛╨╢╨╜╨╛ ╤В╤А╨░╤В╨╕╤В╤М ╨▓ ╤В╨╡╤З╨╡╨╜╨╕╨╡ ╨│╨╛╨┤╨░ ╨╜╨░ ╨║╨▓╨░╨╗╨╕╤Д╨╕╤Ж╨╕╤А╨╛╨▓╨░╨╜╨╜╤Л╨╡ ╨╝╨╡╨┤╨╕╤Ж╨╕╨╜╤Б╨║╨╕╨╡ ╤А╨░╤Б╤Е╨╛╨┤╤Л, ╤З╨░╤Б╤В╨╛ ╤Б ╨┐╨╛╨╝╨╛╤Й╤М╤О ╨┤╨╡╨▒╨╡╤В╨╛╨▓╨╛╨╣ ╨║╨░╤А╤В╤Л. ╨з╤В╨╛╨▒╤Л ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╕ ╨╕╨╝╨╡╨╗╨╕ ╨┐╤А╨░╨▓╨╛ ╨╜╨░ ╨┐╨╛╨╗╤Г╤З╨╡╨╜╨╕╨╡ FSA, ╨▓╤Л ╨┤╨╛╨╗╨╢╨╜╤Л ╨┐╤А╨╡╨┤╨╗╨╛╨╢╨╕╤В╤М ╨╕╨╝ ╤В╤А╨░╨┤╨╕╤Ж╨╕╨╛╨╜╨╜╤Л╨╣ ╨│╤А╤Г╨┐╨┐╨╛╨▓╨╛╨╣ ╨┐╨╗╨░╨╜ ╨╝╨╡╨┤╨╕╤Ж╨╕╨╜╤Б╨║╨╛╨│╨╛ ╨╛╨▒╤Б╨╗╤Г╨╢╨╕╨▓╨░╨╜╨╕╤П ╨╕ ╤Г╤Б╤В╨░╨╜╨╛╨▓╨╕╤В╤М ╨а╨░╨╖╨┤╨╡╨╗ 125 ╨Я╨╗╨░╨╜ ╤Б╤В╨╛╨╗╨╛╨▓╨╛╨╣.

╨Я╤А╨░╨▓╨╕╨╗╨░ ╤А╨░╨╖╨┤╨╡╨╗╨░ 125 Cafeteria Plan ╨╛╨┐╤А╨╡╨┤╨╡╨╗╤П╤О╤В, ╨║╨░╨║ ╤А╨░╨▒╨╛╤В╨░╨╡╤В FSA. ╨Ю╨╜╨╕ ╨▓╨║╨╗╤О╤З╨░╤О╤В ╨▓ ╤Б╨╡╨▒╤П ╤Б╨╗╨╡╨┤╤Г╤О╤Й╨╕╨╡ ╨┐╤А╨░╨▓╨╕╨╗╨░:

1. ╨а╨░╨▒╨╛╤В╨╜╨╕╨║╨╕ ╤Б╨░╨╝╨╕ ╨▓╤Л╨▒╨╕╤А╨░╤О╤В ╤А╨░╨╖╨╝╨╡╤А ╤Б╨▓╨╛╨╡╨│╨╛ ╨▓╨╖╨╜╨╛╤Б╨░. ╨б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╕ ╨▓╤Л╨▒╨╕╤А╨░╤О╤В ╤Б╤Г╨╝╨╝╤Г ╨╡╨╢╨╡╨│╨╛╨┤╨╜╨╛╨│╨╛ ╨▓╨╖╨╜╨╛╤Б╨░ FSA ╨┐╨╡╤А╨╡╨┤ ╨╜╨░╤З╨░╨╗╨╛╨╝ ╨║╨░╨╢╨┤╨╛╨│╨╛ 12-╨╝╨╡╤Б╤П╤З╨╜╨╛╨│╨╛ ╨┐╨╗╨░╨╜╨╛╨▓╨╛╨│╨╛ ╨│╨╛╨┤╨░. ╨Т╤Л╨▒╨╛╤А╤Л ╨╜╨╡ ╨╝╨╛╨│╤Г╤В ╨▒╤Л╤В╤М ╨╕╨╖╨╝╨╡╨╜╨╡╨╜╤Л ╨▓ ╤В╨╡╤З╨╡╨╜╨╕╨╡ ╨│╨╛╨┤╨░, ╨║╤А╨╛╨╝╨╡ ╨║╨░╨║ ╨▓ ╤Б╨▓╤П╨╖╨╕ ╤Б ╨║╨╛╨╜╨║╤А╨╡╤В╨╜╤Л╨╝╨╕ ╤Б╨╛╨▒╤Л╤В╨╕╤П╨╝╨╕, ╤В╨░╨║╨╕╨╝╨╕ ╨║╨░╨║ ╨▒╤А╨░╨║, ╤А╨╛╨╢╨┤╨╡╨╜╨╕╨╡ ╤А╨╡╨▒╨╡╨╜╨║╨░ ╨╕╨╗╨╕ ╤Г╤Б╤Л╨╜╨╛╨▓╨╗╨╡╨╜╨╕╨╡ ╤А╨╡╨▒╨╡╨╜╨║╨░.
2. ╨б╤Г╨╝╨╝╨░ ╨▓╨╖╨╜╨╛╤Б╨░ ╤А╨░╨▓╨╜╨╛╨╝╨╡╤А╨╜╨╛ ╤Г╨┤╨╡╤А╨╢╨╕╨▓╨░╨╡╤В╤Б╤П ╨╕╨╖ ╨║╨░╨╢╨┤╨╛╨╣ ╨╖╨░╤А╨┐╨╗╨░╤В╤Л. ╨Ш╨╖╨▒╨╕╤А╨░╤В╨╡╨╗╤М╨╜╨░╤П ╤Б╤Г╨╝╨╝╨░ ╤Г╨┤╨╡╤А╨╢╨╕╨▓╨░╨╡╤В╤Б╤П ╨╕╨╖ ╨╖╨░╤А╨┐╨╗╨░╤В╤Л ╤А╨░╨▒╨╛╤В╨╜╨╕╨║╨░ ╨┤╨╛ ╤Г╨┐╨╗╨░╤В╤Л ╨╜╨░╨╗╨╛╨│╨╛╨▓ ╤А╨░╨▓╨╜╤Л╨╝╨╕ ╨┤╨╛╨╗╤П╨╝╨╕ ╨▓ ╤В╨╡╤З╨╡╨╜╨╕╨╡ ╨│╨╛╨┤╨░. ╨Э╨░ 2023 ╨│╨╛╨┤ ╨│╨╛╨┤╨╛╨▓╨╛╨╣ ╨╗╨╕╨╝╨╕╤В ╤Б╨╛╤Б╤В╨░╨▓╨╗╤П╨╡╤В 3050 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨╜╨░ ╨╛╨┤╨╜╨╛╨│╨╛ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨░, ╤З╤В╨╛ ╨╜╨░ 200 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨▒╨╛╨╗╤М╤И╨╡, ╤З╨╡╨╝ ╨│╨╛╨┤╨╛╨╝ ╤А╨░╨╜╨╡╨╡. ╨Ю╨┤╨╜╨░╨║╨╛ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╨╕ ╨╝╨╛╨│╤Г╤В ╤Г╤Б╤В╨░╨╜╨╛╨▓╨╕╤В╤М ╨▒╨╛╨╗╨╡╨╡ ╨╜╨╕╨╖╨║╨╕╨╡ ╨┐╤А╨╡╨┤╨╡╨╗╤Л.
3. ╨б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╕ ╨╕╤Б╨┐╨╛╨╗╤М╨╖╤Г╤О╤В ╤Б╤А╨╡╨┤╤Б╤В╨▓╨░ FSA ╨┤╨╗╤П ╨▓╤Л╨┐╨╗╨░╤В╤Л ╨┐╤А╨╕╨╡╨╝╨╗╨╡╨╝╤Л╤Е ╤В╤А╨╡╨▒╨╛╨▓╨░╨╜╨╕╨╣. ╨Я╤А╨╡╤В╨╡╨╜╨╖╨╕╨╕ ╨▓╤Л╨┐╨╗╨░╤З╨╕╨▓╨░╤О╤В╤Б╤П ╨▓ ╤А╨░╨╖╨╝╨╡╤А╨╡ ╨│╨╛╨┤╨╛╨▓╨╛╨╣ ╨╕╨╖╨▒╨╕╤А╨░╤В╨╡╨╗╤М╨╜╨╛╨╣ ╤Б╤Г╨╝╨╝╤Л ╤А╨░╨▒╨╛╤В╨╜╨╕╨║╨░, ╨┤╨░╨╢╨╡ ╨╡╤Б╨╗╨╕ ╤А╨░╨▒╨╛╤В╨╜╨╕╨║ ╨╡╤Й╨╡ ╨╜╨╡ ╨▓╨╜╨╡╤Б ╨┐╨╛╨╗╨╜╤Г╤О ╤Б╤Г╨╝╨╝╤Г. ╨н╤В╨╛ ╨╜╨░╨╖╤Л╨▓╨░╨╡╤В╤Б╤П ┬л╨┐╤А╨░╨▓╨╕╨╗╨╛╨╝ ╤А╨░╨▓╨╜╨╛╨╝╨╡╤А╨╜╨╛╨│╨╛ ╨┐╨╛╨║╤А╤Л╤В╨╕╤П┬╗.
4. ╨Э╨╡╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╨╜╨╜╤Л╨╡ ╤Б╤А╨╡╨┤╤Б╤В╨▓╨░ FSA ╨░╨╜╨╜╤Г╨╗╨╕╤А╤Г╤О╤В╤Б╤П ╨╕╨╗╨╕ ╨┐╤А╨╛╨╗╨╛╨╜╨│╨╕╤А╤Г╤О╤В╤Б╤П ╨▓ ╨║╨╛╨╜╤Ж╨╡ ╨║╨░╨╢╨┤╨╛╨│╨╛ ╨│╨╛╨┤╨░. ╨а╨░╨▒╨╛╤В╨╜╨╕╨║╨╕ ╨╗╨╕╤И╨░╤О╤В╤Б╤П ╤Б╨▓╨╛╨╡╨│╨╛ ╨▒╨░╨╗╨░╨╜╤Б╨░ FSA ╨▓ ╨║╨╛╨╜╤Ж╨╡ ╨│╨╛╨┤╨░, ╨╡╤Б╨╗╨╕ ╨╛╨╜╨╕ ╨╜╨╡ ╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╨╗╨╕ ╨╡╨│╨╛ ╨┤╨╗╤П ╨▓╨╛╨╖╨╝╨╡╤Й╨╡╨╜╨╕╤П ╤А╨░╤Б╤Е╨╛╨┤╨╛╨▓ ╨╜╨░ ╨╝╨╡╨┤╨╕╤Ж╨╕╨╜╤Б╨║╨╛╨╡ ╨╛╨▒╤Б╨╗╤Г╨╢╨╕╨▓╨░╨╜╨╕╨╡. ╨н╤В╨╛ ╨╜╨░╨╖╤Л╨▓╨░╨╡╤В╤Б╤П ╨┐╤А╨░╨▓╨╕╨╗╨╛╨╝ ┬л╨╕╤Б╨┐╨╛╨╗╤М╨╖╤Г╨╣ ╨╕╨╗╨╕ ╨┐╨╛╤В╨╡╤А╤П╨╣┬╗. ╨а╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╨╕ ╨╝╨╛╨│╤Г╤В ╨┐╤А╨╡╨┤╨╛╤Б╤В╨░╨▓╨╕╤В╤М ╨╛╨│╤А╨░╨╜╨╕╤З╨╡╨╜╨╜╤Л╨╣ ╨╗╤М╨│╨╛╤В╨╜╤Л╨╣ ╨┐╨╡╤А╨╕╨╛╨┤ ╨╕╨╗╨╕ ╨┐╨╛╨╗╨╛╨╢╨╡╨╜╨╕╨╡ ╨╛ ╨┐╨╡╤А╨╡╨╜╨╛╤Б╨╡, ╤З╤В╨╛╨▒╤Л ╤Б╨╝╤П╨│╤З╨╕╤В╤М ╨┐╨╛╤Б╨╗╨╡╨┤╤Б╤В╨▓╨╕╤П.
5. ╨б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╕ ╨╗╨╕╤И╨░╤О╤В╤Б╤П ╨╜╨╡╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╨╜╨╜╤Л╤Е ╤Б╤А╨╡╨┤╤Б╤В╨▓, ╨╡╤Б╨╗╨╕ ╨┐╨╛╨║╨╕╨┤╨░╤О╤В ╨║╨╛╨╝╨┐╨░╨╜╨╕╤О. ╨Я╤А╨╕╨╝╨╡╨╜╤П╤О╤В╤Б╤П ╨┐╤А╨░╨▓╨╕╨╗╨░ IRS ╨┤╨╗╤П ╨┐╨╗╨░╨╜╨╛╨▓ ╨║╨░╤Д╨╡╤В╨╡╤А╨╕╤П ╨╕ ╨┐╤А╨░╨▓╨╕╨╗╨░ ╨Ь╨╕╨╜╨╕╤Б╤В╨╡╤А╤Б╤В╨▓╨░ ╤В╤А╤Г╨┤╨░ ╨б╨и╨Р ╨┤╨╗╤П ╨│╤А╤Г╨┐╨┐╨╛╨▓╤Л╤Е ╨┐╨╗╨░╨╜╨╛╨▓ ╨╝╨╡╨┤╨╕╤Ж╨╕╨╜╤Б╨║╨╛╨│╨╛ ╨╛╨▒╤Б╨╗╤Г╨╢╨╕╨▓╨░╨╜╨╕╤П, ╨▓╨║╨╗╤О╤З╨░╤П ╤В╤А╨╡╨▒╨╛╨▓╨░╨╜╨╕╤П ╨║ ╨┐╨╗╨░╨╜╨╛╨▓╤Л╨╝ ╨┤╨╛╨║╤Г╨╝╨╡╨╜╤В╨░╨╝, ╤В╨╡╤Б╤В╤Л ╨╜╨░ ╨╜╨╡╨┤╨╕╤Б╨║╤А╨╕╨╝╨╕╨╜╨░╤Ж╨╕╤О ╨╕ ╨░╨┤╨╝╨╕╨╜╨╕╤Б╤В╤А╨╕╤А╨╛╨▓╨░╨╜╨╕╨╡ ╤Б╨▓╨╛╨┤╨╜╨╛╨│╨╛ ╤Б╨▓╨╛╨┤╨╜╨╛╨│╨╛ ╨╖╨░╨║╨╛╨╜╨░ ╨╛ ╤Б╨╛╨│╨╗╨░╤Б╨╛╨▓╨░╨╜╨╕╨╕ ╨▒╤О╨┤╨╢╨╡╤В╨░ (COBRA). ╨б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╕, ╨┐╨╛╨║╨╕╨┤╨░╤О╤Й╨╕╨╡ ╨║╨╛╨╝╨┐╨░╨╜╨╕╤О, ╤В╨╡╤А╤П╤О╤В ╨┤╨╛╤Б╤В╤Г╨┐ ╨║ ╨╗╤О╨▒╨╛╨╝╤Г ╨╛╤Б╤В╨░╤В╨║╤Г FSA, ╨╡╤Б╨╗╨╕ ╨╛╨╜╨╕ ╨╜╨╡ ╨▓╤Л╨▒╨╡╤А╤Г╤В COBRA ╨╕ ╨╜╨╡ ╨┐╤А╨╛╨┤╨╛╨╗╨╢╨░╤В ╨┤╨╡╨╗╨░╤В╤М ╨▓╨╖╨╜╨╛╤Б╤Л. COBRA ╨╜╨╡╨┤╨╛╤Б╤В╤Г╨┐╨╜╨░ ╨┤╨╗╤П ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╨╡╨╣, ╤Г ╨║╨╛╤В╨╛╤А╤Л╤Е ╨╝╨╡╨╜╨╡╨╡ 20 ╤А╨░╨▒╨╛╤В╨╜╨╕╨║╨╛╨▓.

╨е╨╛╤В╤П FSA ╨▓ ╨╛╤Б╨╜╨╛╨▓╨╜╨╛╨╝ ╤Д╨╕╨╜╨░╨╜╤Б╨╕╤А╤Г╤О╤В╤Б╤П ╤А╨░╨▒╨╛╤В╨╜╨╕╨║╨░╨╝╨╕, ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╨╕ ╤В╨░╨║╨╢╨╡ ╨╝╨╛╨│╤Г╤В ╨┤╨╡╨╗╨░╤В╤М ╨▓╨╖╨╜╨╛╤Б╤Л (╨┤╨╛ 500 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨б╨и╨Р ╨╕╨╗╨╕ ╨┤╨╛ ╤Б╤Г╨╝╨╝╤Л, ╤Б╨╛╨╛╤В╨▓╨╡╤В╤Б╤В╨▓╤Г╤О╤Й╨╡╨╣ ╨▓╨║╨╗╨░╨┤╤Г ╤А╨░╨▒╨╛╤В╨╜╨╕╨║╨░). ╨Т╨╖╨╜╨╛╤Б╤Л ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╛╨▓ ╨╜╨╡ ╤Г╨║╨░╨╖╤Л╨▓╨░╤О╤В╤Б╤П ╨▓ ╨┤╨╡╨║╨╗╨░╤А╨░╤Ж╨╕╤П╤Е ╨┐╨╛ ╨┐╨╛╨┤╨╛╤Е╨╛╨┤╨╜╨╛╨╝╤Г ╨╜╨░╨╗╨╛╨│╤Г ╤Б ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╛╨▓ ╨╕ ╨╜╨╡ ╨╝╨╛╨│╤Г╤В ╨▒╤Л╤В╤М ╨╖╨░╤П╨▓╨╗╨╡╨╜╤Л ╨▓ ╨║╨░╤З╨╡╤Б╤В╨▓╨╡ ╨╜╨░╨╗╨╛╨│╨╛╨▓╤Л╤Е ╨▓╤Л╤З╨╡╤В╨╛╨▓. ╨Х╤Б╨╗╨╕ ╤Г ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨░ ╨╡╤Б╤В╤М ╨╕ FSA, ╨╕ ╤Б╨╛╨│╨╗╨░╤И╨╡╨╜╨╕╨╡ ╨╛ ╨▓╨╛╨╖╨╝╨╡╤Й╨╡╨╜╨╕╨╕ ╤А╨░╤Б╤Е╨╛╨┤╨╛╨▓ ╨╜╨░ ╨╝╨╡╨┤╨╕╤Ж╨╕╨╜╤Б╨║╨╛╨╡ ╨╛╨▒╤Б╨╗╤Г╨╢╨╕╨▓╨░╨╜╨╕╨╡ (HRA), ╨╛╨╜ ╨╜╨╡ ╨╝╨╛╨╢╨╡╤В ╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╤В╤М ╨╛╨▒╨░ ╤Б╤З╨╡╤В╨░ ╨┤╨╗╤П ╨▓╨╛╨╖╨╝╨╡╤Й╨╡╨╜╨╕╤П ╨╛╨┤╨╜╨╕╤Е ╨╕ ╤В╨╡╤Е ╨╢╨╡ ╤А╨░╤Б╤Е╨╛╨┤╨╛╨▓. ╨б╤А╨╡╨┤╤Б╤В╨▓╨░ HRA ╨╛╨▒╤Л╤З╨╜╨╛ ╨╕╤Б╨┐╨╛╨╗╤М╨╖╤Г╤О╤В╤Б╤П ╨▓ ╨┐╨╡╤А╨▓╤Г╤О ╨╛╤З╨╡╤А╨╡╨┤╤М.

╨Ъ╨░╨║╨╕╨╡ ╨▓╨╕╨┤╤Л ╤А╨░╤Б╤Е╨╛╨┤╨╛╨▓ ╨┐╨╛╨║╤А╤Л╨▓╨░╤О╤В╤Б╤П ╨▓ ╤А╨░╨╝╨║╨░╤Е FSA?

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

╨Ъ╨╛╨│╨┤╨░ ╤Г ╤А╨░╨▒╨╛╤В╨╜╨╕╨║╨░ ╨╡╤Б╤В╤М ╤Б╤З╨╡╤В ╤Б ╨│╨╕╨▒╨║╨╕╨╝╨╕ ╤А╨░╤Б╤Е╨╛╨┤╨░╨╝╨╕ ╨╜╨░ ╨╖╨┤╤А╨░╨▓╨╛╨╛╤Е╤А╨░╨╜╨╡╨╜╨╕╨╡, ╨╛╨╜ ╨╕╨╝╨╡╨╡╤В ╨┐╤А╨░╨▓╨╛ ╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╤В╤М ╨▓╤Б╤О ╨┐╤А╨╡╨┤╨▓╤Л╨▒╨╛╤А╨╜╤Г╤О ╤Б╤Г╨╝╨╝╤Г, ╨║╨░╨║ ╤В╨╛╨╗╤М╨║╨╛ ╨┐╨╗╨░╨╜ ╨╜╨░╤З╨╜╨╡╤В ╨┤╨╡╨╣╤Б╤В╨▓╨╛╨▓╨░╤В╤М, ╨╜╨╡╨╖╨░╨▓╨╕╤Б╨╕╨╝╨╛ ╨╛╤В ╤В╨╛╨│╨╛, ╤Б╨║╨╛╨╗╤М╨║╨╛ ╨┤╨╡╨╜╨╡╨│ ╨╛╨╜ ╨▓╨╜╨╡╤Б. ╨Э╨░╨┐╤А╨╕╨╝╨╡╤А, ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╤Г ╨╜╨╡╨╛╨▒╤Е╨╛╨┤╨╕╨╝╨╛ ╨┐╤А╨╛╨▓╨╡╤Б╤В╨╕ ╤Н╨║╤Б╤В╤А╨╡╨╜╨╜╤Г╤О ╨╛╨┐╨╡╤А╨░╤Ж╨╕╤О ╨▓ ╨╜╨░╤З╨░╨╗╨╡ ╨┐╨╗╨░╨╜╨╛╨▓╨╛╨│╨╛ ╨│╨╛╨┤╨░, ╨╕ ╨╛╨╜ ╨┤╨╛╨╗╨╢╨╡╨╜ ╨╜╨╡╨╝╨╡╨┤╨╗╨╡╨╜╨╜╨╛ ╨╖╨░╨┐╨╗╨░╤В╨╕╤В╤М ╤Д╤А╨░╨╜╤И╨╕╨╖╤Г ╨▓ ╤А╨░╨╖╨╝╨╡╤А╨╡ 2500 ╨┤╨╛╨╗╨╗╨░╤А╨╛╨▓ ╨б╨и╨Р.

╨Х╤Б╨╗╨╕ ╤А╨░╨▒╨╛╤В╨╜╨╕╨║ ╤А╨░╨╜╨╡╨╡ ╤А╨╡╤И╨╕╨╗ ╨▓╨╜╨╡╤Б╤В╨╕ ╨╝╨░╨║╤Б╨╕╨╝╨░╨╗╤М╨╜╤Г╤О ╤Б╤Г╨╝╨╝╤Г ╨▓ ╤Б╨▓╨╛╨╣ FSA ╨▓ ╤В╨╡╤З╨╡╨╜╨╕╨╡ ╤Б╨╗╨╡╨┤╤Г╤О╤Й╨╕╤Е 26 ╨┐╨╡╤А╨╕╨╛╨┤╨╛╨▓ ╨╛╨┐╨╗╨░╤В╤Л, ╨╛╨╜ ╨╝╨╛╨╢╨╡╤В ╨╕╤Б╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╤В╤М ╤Н╤В╤Г ╨┐╤А╨╡╨┤╨▓╤Л╨▒╨╛╤А╨╜╤Г╤О ╤Б╤Г╨╝╨╝╤Г FSA ╨┤╨╗╤П ╨╜╨╡╨╝╨╡╨┤╨╗╨╡╨╜╨╜╨╛╨╣ ╨▓╤Л╨┐╨╗╨░╤В╤Л ╤Б╨▓╨╛╨╡╨╣ ╤Д╤А╨░╨╜╤И╨╕╨╖╤Л, ╨░ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╤М ╨▒╤Г╨┤╨╡╤В ╨┐╤А╨╛╨┤╨╛╨╗╨╢╨░╤В╤М ╤Г╨┤╨╡╤А╨╢╨╕╨▓╨░╤В╤М ╨╛╤В╤З╨╕╤Б╨╗╨╡╨╜╨╕╤П FSA ╨┤╨╛ ╨║╨╛╨╜╤Ж╨░ ╨│╨╛╨┤╨░.

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

╨Ъ╨░╨║╨╛╨▓╤Л ╨┐╤А╨╡╨╕╨╝╤Г╤Й╨╡╤Б╤В╨▓╨░ ╨┐╤А╨╡╨┤╨╗╨╛╨╢╨╡╨╜╨╕╤П FSA ╨▓╨░╤И╨╕╨╝ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨░╨╝?

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

╨Я╤А╨╡╨╕╨╝╤Г╤Й╨╡╤Б╤В╨▓╨░ ╨┤╨╗╤П ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╨╡╨╣

╨Ю╤Б╨╜╨╛╨▓╨╜╤Л╨╝ ╨┐╤А╨╡╨╕╨╝╤Г╤Й╨╡╤Б╤В╨▓╨╛╨╝ ╨┐╤А╨╡╨┤╨╛╤Б╤В╨░╨▓╨╗╨╡╨╜╨╕╤П FSA ╨▓╨░╤И╨╕╨╝ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨░╨╝ ╤П╨▓╨╗╤П╨╡╤В╤Б╤П ╤Д╨╕╨╜╨░╨╜╤Б╨╛╨▓╨░╤П ╤Н╨║╨╛╨╜╨╛╨╝╨╕╤П. ╨Я╨╛╤Б╨║╨╛╨╗╤М╨║╤Г ╨▓╨╖╨╜╨╛╤Б╤Л FSA ╨╜╨╡ ╨╛╨▒╨╗╨░╨│╨░╤О╤В╤Б╤П ╨╜╨░╨╗╨╛╨│╨╛╨╝, ╨▓╤Л ╨╕╨╖╨▒╨╡╨│╨░╨╡╤В╨╡ ╤Г╨┐╨╗╨░╤В╤Л ╨╜╨░╨╗╨╛╨│╨░ ╨╜╨░ ╨╖╨░╤А╨░╨▒╨╛╤В╨╜╤Г╤О ╨┐╨╗╨░╤В╤Г ╨▓ ╤А╨░╨╖╨╝╨╡╤А╨╡ 7,65% (╨╜╨░╨╗╨╛╨│╨░ ╨╜╨░ Medicare ╨╕ Social Security) ╨╜╨░ ╨▓╨╖╨╜╨╛╤Б╤Л ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╛╨▓ ╨▓ FSA. ╨е╨╛╤В╤П ╨▓╤Л ╨▒╤Г╨┤╨╡╤В╨╡ ╨╜╨╡╤Б╤В╨╕ ╨╛╤В╨▓╨╡╤В╤Б╤В╨▓╨╡╨╜╨╜╨╛╤Б╤В╤М ╨╖╨░ ╤А╨░╤Б╤Е╨╛╨┤╤Л ╨┐╨╛ ╨▓╨╡╨┤╨╡╨╜╨╕╤О ╤Б╤З╨╡╤В╨░, ╤Н╤В╨░ ╨╜╨╡╨▒╨╛╨╗╤М╤И╨░╤П ╤Б╤Г╨╝╨╝╨░ ╨╝╨╛╨╢╨╡╤В ╨▒╤Л╤В╤М ╨║╨╛╨╝╨┐╨╡╨╜╤Б╨╕╤А╨╛╨▓╨░╨╜╨░ ╨╖╨░ ╤Б╤З╨╡╤В ╤Н╨║╨╛╨╜╨╛╨╝╨╕╨╕ ╨╜╨░ ╨╜╨░╨╗╨╛╨│╨░╤Е ╨╕ ╨║╨╛╨╜╤Д╨╕╤Б╨║╨░╤Ж╨╕╨╕.

┬л╨Ч╨░╤В╤А╨░╤В╤Л ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╤П ╨╜╨░ ╤Б╨╛╨┤╨╡╤А╨╢╨░╨╜╨╕╨╡ FSA ╨╛╤В╨╜╨╛╤Б╨╕╤В╨╡╨╗╤М╨╜╨╛ ╨╝╨╕╨╜╨╕╨╝╨░╨╗╤М╨╜╤Л, ╨╕ ╤Н╤В╨╕ ╨╖╨░╤В╤А╨░╤В╤Л ╨║╨╛╨╝╨┐╨╡╨╜╤Б╨╕╤А╤Г╤О╤В╤Б╤П ╨╖╨░ ╤Б╤З╨╡╤В ╤Н╨║╨╛╨╜╨╛╨╝╨╕╨╕ ╤А╨░╨▒╨╛╤В╨╛╨┤╨░╤В╨╡╨╗╤П ╨╜╨░ ╨╜╨░╨╗╨╛╨│╨░╤Е, ╨░ FSA ╤П╨▓╨╗╤П╤О╤В╤Б╤П ╨╛╨┤╨╜╨╕╨╝ ╨╕╨╖ ╨╛╤Б╨╜╨╛╨▓╨╜╤Л╤Е ╨┐╤А╨╡╨┤╨╗╨╛╨╢╨╡╨╜╨╕╨╣ ╨┐╨╛ ╨╗╤М╨│╨╛╤В╨░╨╝ ╨┤╨╗╤П ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╛╨▓ ╤Б ╤В╨╛╤З╨║╨╕ ╨╖╤А╨╡╨╜╨╕╤П ╨╜╨░╨╣╨╝╨░ ╨╕ ╤Г╨┤╨╡╤А╨╢╨░╨╜╨╕╤П┬╗, тАФ ╤Б╨║╨░╨╖╨░╨╗╨░ ╨н╨╝╨╕ ╨Ъ╤А╨╕╤Б╤В╨╡╨╜, ╨░╨┤╨▓╨╛╨║╨░╤В ╨┐╨╛ ╨╗╤М╨│╨╛╤В╨░╨╝ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╛╨▓ ╨╕ ╤З╨╗╨╡╨╜ Dykema. ╨У╨╛╤Б╤Б╨╡╤В.

╨Я╤А╨╡╨╕╨╝╤Г╤Й╨╡╤Б╤В╨▓╨░ ╨┤╨╗╤П ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╛╨▓

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

╨Ъ╨░╨║╨╛╨▓╤Л ╨╜╨╡╨┤╨╛╤Б╤В╨░╤В╨║╨╕ ╨┐╤А╨╡╨┤╨╗╨╛╨╢╨╡╨╜╨╕╤П FSA ╨▓╨░╤И╨╕╨╝ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨░╨╝?

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

┬л╨Э╨░╨┐╤А╨╕╨╝╨╡╤А, ╨Ч╨░╨║╨╛╨╜ ╨╛╨▒ ╨╛╨▒╨╡╤Б╨┐╨╡╤З╨╡╨╜╨╕╨╕ ╨┐╨╡╨╜╤Б╨╕╨╛╨╜╨╜╤Л╤Е ╨┤╨╛╤Е╨╛╨┤╨╛╨▓ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╛╨▓ (ERISA) ╨╕ ╨Э╨░╨╗╨╛╨│╨╛╨▓╤Л╨╣ ╨║╨╛╨┤╨╡╨║╤Б (IRC) ╤В╤А╨╡╨▒╤Г╤О╤В, ╤З╤В╨╛╨▒╤Л FSA ╨▓╤Л╨┐╨╛╨╗╨╜╤П╨╗╨╕ ╤В╤А╨╡╨▒╨╛╨▓╨░╨╜╨╕╤П ╨║ ╨╛╤В╤З╨╡╤В╨╜╨╛╤Б╤В╨╕ ╨╕ ╤А╨░╤Б╨║╤А╤Л╤В╨╕╤О ╨╕╨╜╤Д╨╛╤А╨╝╨░╤Ж╨╕╨╕, ╤В╨░╨║╨╕╨╡ ╨║╨░╨║ ╤В╤А╨╡╨▒╨╛╨▓╨░╨╜╨╕╤П ╨║ ╨┐╨╕╤Б╤М╨╝╨╡╨╜╨╜╨╛╨╝╤Г ╨┐╨╗╨░╨╜╤Г ╨╕ ╨║╤А╨░╤В╨║╨╛╨╝╤Г ╨╛╨┐╨╕╤Б╨░╨╜╨╕╤О ╨┐╨╗╨░╨╜╨░┬╗, тАФ ╤Б╨║╨░╨╖╨░╨╗ ╨Ъ╤А╨╕╤Б╤В╨╡╨╜.

╨Ф╤А╤Г╨│╨╕╨╡ ╨┐╨╛╤В╨╡╨╜╤Ж╨╕╨░╨╗╤М╨╜╤Л╨╡ ╨╜╨╡╨┤╨╛╤Б╤В╨░╤В╨║╨╕ ╨╝╨╡╨┤╨╕╤Ж╨╕╨╜╤Б╨║╨╕╤Е FSA ╨▓╨║╨╗╤О╤З╨░╤О╤В ╨▓ ╤Б╨╡╨▒╤П ╤В╨╛, ╤З╤В╨╛ ╨╛╨╜╨╕ ╨┤╨╛╨╗╨╢╨╜╤Л ╤Б╨╛╨╛╤В╨▓╨╡╤В╤Б╤В╨▓╨╛╨▓╨░╤В╤М ╨┐╤А╨░╨▓╨╕╨╗╨░╨╝ ╨║╨╛╨╜╤Д╨╕╨┤╨╡╨╜╤Ж╨╕╨░╨╗╤М╨╜╨╛╤Б╤В╨╕ ╨╕ ╨▒╨╡╨╖╨╛╨┐╨░╤Б╨╜╨╛╤Б╤В╨╕ ╨Ч╨░╨║╨╛╨╜╨░ ╨╛ ╨┐╨╡╤А╨╡╨╜╨╛╤Б╨╕╨╝╨╛╤Б╤В╨╕ ╨╕ ╨┐╨╛╨┤╨╛╤В╤З╨╡╤В╨╜╨╛╤Б╤В╨╕ ╨╝╨╡╨┤╨╕╤Ж╨╕╨╜╤Б╨║╨╛╨│╨╛ ╤Б╤В╤А╨░╤Е╨╛╨▓╨░╨╜╨╕╤П (HIPAA), ╨╛╨╜╨╕ ╤А╨░╨▒╨╛╤В╨░╤О╤В ╨▓ ╤Б╨╛╨╛╤В╨▓╨╡╤В╤Б╤В╨▓╨╕╨╕ ╤Б ╨┐╨╛╨╗╨╕╤В╨╕╨║╨╛╨╣ ┬л╨╕╤Б╨┐╨╛╨╗╤М╨╖╤Г╨╣ ╨╕╨╗╨╕ ╨┐╨╛╤В╨╡╤А╤П╨╡╤И╤М┬╗, ╨╛╨╜╨╕ ╨╜╨╡ ╨┐╨╡╤А╨╡╨╜╨╛╤Б╨╕╨╝╤Л (╤З╤В╨╛ ╨╛╨╖╨╜╨░╤З╨░╨╡╤В, ╤З╤В╨╛ ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╕ ╤В╨╡╤А╤П╤О╤В ╨▒╨░╨╗╨░╨╜╤Б FSA). ╨╡╤Б╨╗╨╕ ╨╛╨╜╨╕ ╨┐╨╛╨║╨╕╨┤╨░╤О╤В ╨║╨╛╨╝╨┐╨░╨╜╨╕╤О), ╨╕ ╨╛╨╜╨╕ ╨┐╤А╨╛╤Е╨╛╨┤╤П╤В ╨╡╨╢╨╡╨│╨╛╨┤╨╜╤Г╤О ╨┐╤А╨╛╨▓╨╡╤А╨║╤Г ╨╜╨░ ╨╜╨╡╨┤╨╕╤Б╨║╤А╨╕╨╝╨╕╨╜╨░╤Ж╨╕╤О ╨▓ ╤Б╨╛╨╛╤В╨▓╨╡╤В╤Б╤В╨▓╨╕╨╕ ╤Б IRC, ╤З╤В╨╛╨▒╤Л ╤Г╨▒╨╡╨┤╨╕╤В╤М╤Б╤П, ╤З╤В╨╛ ╤Б╨╛╨│╨╗╨░╤И╨╡╨╜╨╕╨╡ ╨╜╨╡ ╤П╨▓╨╗╤П╨╡╤В╤Б╤П ╨┤╨╕╤Б╨║╤А╨╕╨╝╨╕╨╜╨░╤Ж╨╕╨╛╨╜╨╜╤Л╨╝ ╨▓ ╨┐╨╛╨╗╤М╨╖╤Г ╨▓╤Л╤Б╨╛╨║╨╛╨╛╨┐╨╗╨░╤З╨╕╨▓╨░╨╡╨╝╤Л╤Е ╨╕╨╗╨╕ ╨┤╤А╤Г╨│╨╕╤Е ╨║╨╗╤О╤З╨╡╨▓╤Л╤Е ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨╛╨▓, ╤З╤В╨╛ ╨╝╨╛╨╢╨╡╤В ╨▒╤Л╤В╤М ╨┐╤А╨╛╨▒╨╗╨╡╨╝╨░╤В╨╕╤З╨╜╨╛ ╤А╨╡╤И╨╕╤В╤М, ╨╡╤Б╨╗╨╕ ╨▓╤Л ╨┐╨╛╤В╨╡╤А╨┐╨╕╤В╨╡ ╨╜╨╡╤Г╨┤╨░╤З╤Г.

FSA ╨┤╨░╤О╤В ╤Б╨╛╤В╤А╤Г╨┤╨╜╨╕╨║╨░╨╝ ╨║╨╛╨╜╤В╤А╨╛╨╗╤М ╨╜╨░╨┤ ╤А╨░╤Б╤Е╨╛╨┤╨░╨╝╨╕ ╨╜╨░ ╨╖╨┤╤А╨░╨▓╨╛╨╛╤Е╤А╨░╨╜╨╡╨╜╨╕╨╡

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

╨Ф╨╢╨╡╨╣╨║╨╛╨▒ ╨С╨╕╤А╨╡╤А-╨Э╨╕╨╗╤М╤Б╨╡╨╜ ╨▓╨╜╨╡╤Б ╤Б╨▓╨╛╨╣ ╨▓╨║╨╗╨░╨┤ ╨▓ ╤Н╤В╤Г ╤Б╤В╨░╤В╤М╤О. ╨Э╨╡╨║╨╛╤В╨╛╤А╤Л╨╡ ╨╕╨╜╤В╨╡╤А╨▓╤М╤О ╤Б ╨╕╤Б╤В╨╛╤З╨╜╨╕╨║╨░╨╝╨╕ ╨▒╤Л╨╗╨╕ ╨┐╤А╨╛╨▓╨╡╨┤╨╡╨╜╤Л ╨┤╨╗╤П ╨┐╤А╨╡╨┤╤Л╨┤╤Г╤Й╨╡╨╣ ╨▓╨╡╤А╤Б╨╕╨╕ ╤Н╤В╨╛╨╣ ╤Б╤В╨░╤В╤М╨╕.