╨в╨╛╤А╨│╨╛╨▓╨░╤П ╨╗╨╕╨╜╨╕╤П

╨Ч╨╜╨░╤З╨╡╨╜╨╕╨╡ ╤В╨╛╤А╨│╨╛╨▓╨╛╨╣ ╨╗╨╕╨╜╨╕╨╕

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

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

╨Ю╨│╨╗╨░╨▓╨╗╨╡╨╜╨╕╨╡

• ╨Ч╨╜╨░╤З╨╡╨╜╨╕╨╡ ╤В╨╛╤А╨│╨╛╨▓╨╛╨╣ ╨╗╨╕╨╜╨╕╨╕
  • ╨Ю╨▒╤К╤П╤Б╨╜╨╡╨╜╨╕╨╡ ╤В╨╛╤А╨│╨╛╨▓╨╛╨╣ ╨╗╨╕╨╜╨╕╨╕
  • ╨г╨┤╨░╨╗╨╡╨╜╨╕╨╡ ╤В╨╛╤А╨│╨╛╨▓╤Л╤Е ╨╗╨╕╨╜╨╕╨╣
  • ╨Я╤А╨╕╨╝╨╡╤А╤Л
  • ╨в╨╛╤А╨│╨╛╨▓╤Л╨╡ ╨╗╨╕╨╜╨╕╨╕ ╨┤╨╗╤П ╨▒╨╕╨╖╨╜╨╡╤Б╨░
  • ╨з╨░╤Б╤В╨╛ ╨╖╨░╨┤╨░╨▓╨░╨╡╨╝╤Л╨╡ ╨▓╨╛╨┐╤А╨╛╤Б╤Л (FAQ)
  • ╨а╨╡╨║╨╛╨╝╨╡╨╜╨┤╤Г╨╡╨╝╤Л╨╡ ╤Б╤В╨░╤В╤М╨╕

╨Ъ╨╗╤О╤З╨╡╨▓╤Л╨╡ ╨▓╤Л╨▓╨╛╨┤╤Л

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

╨Ю╨▒╤К╤П╤Б╨╜╨╡╨╜╨╕╨╡ ╤В╨╛╤А╨│╨╛╨▓╨╛╨╣ ╨╗╨╕╨╜╨╕╨╕

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

╨Я╤П╤В╤М ╤Н╨╗╨╡╨╝╨╡╨╜╤В╨╛╨▓, ╨║╨╛╤В╨╛╤А╤Л╨╡ ╨╛╨┐╤А╨╡╨┤╨╡╨╗╤П╤О╤В ╨╛╤Ж╨╡╨╜╨║╤Г FICO:

• ╨Я╨╗╨░╤В╨╡╨╢╨╕, ╤Б╨╛╨▓╨╡╤А╤И╨╡╨╜╨╜╤Л╨╡ ╨▓ ╨┐╤А╨╛╤И╨╗╨╛╨╝ (╨╕╤Б╤В╨╛╤А╨╕╤П).
• ╨Я╤А╨╕╤З╨╕╤В╨░╤О╤Й╨╕╨╣╤Б╤П ╨┤╨╛╨╗╨│.
• ╨Ф╨╗╨╕╨╜╨░ ╨║╤А╨╡╨┤╨╕╤В╨╜╨╛╨╣ ╨╕╤Б╤В╨╛╤А╨╕╨╕.
• ╨Э╨╛╨▓╤Л╨╣ ╨║╤А╨╡╨┤╨╕╤В.
• ╨Ъ╤А╨╡╨┤╨╕╤В╨╜╤Л╨╣ ╨╝╨╕╨║╤Б.

╨Ю╨╜╨╕ ╨▓╨║╨╗╤О╤З╨░╤О╤В ╤Б╨╗╨╡╨┤╤Г╤О╤Й╤Г╤О ╨╕╨╜╤Д╨╛╤А╨╝╨░╤Ж╨╕╤О:

• ╨Ш╨╝╤П ╨╕ ╨░╨┤╤А╨╡╤Б ╨║╤А╨╡╨┤╨╕╤В╨╛╤А╨░.
• ╨в╨╕╨┐ ╨░╨║╨║╨░╤Г╨╜╤В╨░.
• ╨з╨░╤Б╤В╨╕╤З╨╜╤Л╨╣ ╨╜╨╛╨╝╨╡╤А ╤Б╤З╨╡╤В╨░.
• ╨в╨╡╨║╤Г╤Й╨╕╨╡ ╨╛╤Б╤В╨░╤В╨║╨╕
• ╨Ф╨░╤В╨░ ╨╛╤В╨║╤А╤Л╤В╨╕╤П ╤Б╤З╨╡╤В╨░.
• ╨Ф╨░╤В╨░ ╨╖╨░╨║╤А╤Л╤В╨╕╤П ╤Б╤З╨╡╤В╨░ (╨╡╤Б╨╗╨╕ ╨┐╤А╨╕╨╝╨╡╨╜╨╕╨╝╨╛).
• ╨Ф╨░╤В╨░ ╨┐╨╛╤Б╨╗╨╡╨┤╨╜╨╡╨╣ ╨║╤А╨╡╨┤╨╕╤В╨╜╨╛╨╣ ╨╛╨┐╨╡╤А╨░╤Ж╨╕╨╕ ╤Д╨╕╨╖╨╕╤З╨╡╤Б╨║╨╛╨│╨╛ ╨╗╨╕╤Ж╨░.
• ╨Ь╨╕╨╜╨╕╨╝╨░╨╗╤М╨╜╤Л╨╣ ╨╡╨╢╨╡╨╝╨╡╤Б╤П╤З╨╜╤Л╨╣ ╨┐╨╗╨░╤В╨╡╨╢, ╨┐╤А╨╛╤Ж╨╡╨╜╤В╨╜╨░╤П ╤Б╤В╨░╨▓╨║╨░, ╤З╨░╤Б╤В╨╛╤В╨░ ╨┐╨╗╨░╤В╨╡╨╢╨╡╨╣, ╨┤╨░╤В╨░ ╨┐╨╛╤Б╨╗╨╡╨┤╨╜╨╡╨│╨╛ ╨┐╨╗╨░╤В╨╡╨╢╨░ ╨╕ ╤В. ╨┤.
• ╨Ъ╤А╨╡╨┤╨╕╤В╨╜╤Л╨╣ ╨╗╨╕╨╝╨╕╤В ╨╕╨╗╨╕ ╤Б╨░╨╜╨║╤Ж╨╕╨╛╨╜╨╕╤А╨╛╨▓╨░╨╜╨╜╨░╤П ╤Б╤Г╨╝╨╝╨░, ╨╜╨╡╨┐╨╛╨│╨░╤И╨╡╨╜╨╜╤Л╨╣ ╨╛╤Б╤В╨░╤В╨╛╨║ ╨╕ ╨┐╤А╨╛╤Б╤А╨╛╤З╨╡╨╜╨╜╨░╤П ╤Б╤Г╨╝╨╝╨░ ╨▓ ╨╖╨░╨▓╨╕╤Б╨╕╨╝╨╛╤Б╤В╨╕ ╨╛╤В ╨╛╨▒╤Б╤В╨╛╤П╤В╨╡╨╗╤М╤Б╤В╨▓.
• ╨Ш╨╝╤П ╤Д╨╕╨╖╨╕╤З╨╡╤Б╨║╨╛╨│╨╛ ╨╗╨╕╤Ж╨░ ╨▓ ╨║╨░╤З╨╡╤Б╤В╨▓╨╡ ╨▓╨╗╨░╨┤╨╡╨╗╤М╤Ж╨░ ╤Г╤З╨╡╤В╨╜╨╛╨╣ ╨╖╨░╨┐╨╕╤Б╨╕ ╨╕╨╗╨╕ ╨░╨▓╤В╨╛╤А╨╕╨╖╨╛╨▓╨░╨╜╨╜╨╛╨│╨╛ ╨┐╨╛╨╗╤М╨╖╨╛╨▓╨░╤В╨╡╨╗╤П.
• ╨Ш╤Б╤В╨╛╤А╨╕╤П ╨┐╨╗╨░╤В╨╡╨╢╨╡╨╣.
• ╨б╤В╨░╤В╤Г╤Б ╨░╨║╨║╨░╤Г╨╜╤В╨░ ╨╕ ╤В.╨┤.

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

╨г╨┤╨░╨╗╨╡╨╜╨╕╨╡ ╤В╨╛╤А╨│╨╛╨▓╤Л╤Е ╨╗╨╕╨╜╨╕╨╣

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

╨Я╤А╨╕╨╝╨╡╤А╤Л

╨Я╨╛╤Б╨╝╨╛╤В╤А╨╕╤В╨╡ ╤Н╤В╨╕ ╨┐╤А╨╕╨╝╨╡╤А╤Л, ╤З╤В╨╛╨▒╤Л ╨┐╨╛╨╗╤Г╤З╨╕╤В╤М ╨╗╤Г╤З╤И╨╡╨╡ ╨┐╤А╨╡╨┤╤Б╤В╨░╨▓╨╗╨╡╨╜╨╕╨╡:

╨Я╤А╨╕╨╝╨╡╤А тДЦ1

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

╨Я╤А╨╕╨╝╨╡╤А #2

╨в╨╛╤А╨│╨╛╨▓╤Л╨╡ ╨╗╨╕╨╜╨╕╨╕ CPN (Credit Privacy Numbers) ╨╝╨╛╨│╤Г╤В ╨▒╤Л╤В╤М ╨┐╨╛╨╗╨╡╨╖╨╜╤Л ╨┤╨╗╤П ╤В╨╡╤Е, ╨║╤В╨╛ ╤Е╨╛╤З╨╡╤В ╤Г╨╗╤Г╤З╤И╨╕╤В╤М ╤Б╨▓╨╛╤О ╨║╤А╨╡╨┤╨╕╤В╨╜╤Г╤О ╨╕╤Б╤В╨╛╤А╨╕╤О. ╨н╤В╨╛╤В ╤Б╤В╨░╤В╤М╤П ╨╛╨┐╨╕╤Б╤Л╨▓╨░╨╡╤В, ╨║╨░╨║ ╤Н╤В╨╛ ╨╝╨╛╨╢╨╡╤В ╨┐╨╛╨╝╨╛╤З╤М ╤Б╨┤╨╡╨╗╨░╤В╤М ╨╕╤Е ╨║╤А╨╡╨┤╨╕╤В╨╜╤Л╨╣ ╨╛╤В╤З╨╡╤В ╤Е╨╛╤А╨╛╤И╨╕╨╝.

╨в╨╛╤А╨│╨╛╨▓╤Л╨╡ ╨╗╨╕╨╜╨╕╨╕ ╨┤╨╗╤П ╨▒╨╕╨╖╨╜╨╡╤Б╨░

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

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

╨з╨░╤Б╤В╨╛ ╨╖╨░╨┤╨░╨▓╨░╨╡╨╝╤Л╨╡ ╨▓╨╛╨┐╤А╨╛╤Б╤Л (FAQ)

1. ╨з╤В╨╛ ╤В╨░╨║╨╛╨╡ ╤В╨╛╤А╨│╨╛╨▓╤Л╨╡ ╨║╤А╨╡╨┤╨╕╤В╨╜╤Л╨╡ ╨╗╨╕╨╜╨╕╨╕?

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

2. ╨з╤В╨╛ ╤В╨░╨║╨╛╨╡ ╤В╨╛╤А╨│╨╛╨▓╨░╤П ╨╗╨╕╨╜╨╕╤П ╨┐╨╛ ╨╕╨┐╨╛╤В╨╡╨║╨╡?

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

3. ╨Ъ╨░╨║ ╨╛╤В╨║╤А╤Л╤В╤М ╤В╨╛╤А╨│╨╛╨▓╤Л╨╡ ╨╗╨╕╨╜╨╕╨╕?

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

4. ╨Ъ╨░╨║ ╨┤╨╛╨╗╨│╨╛ ╨┤╨╗╨╕╤В╤Б╤П ╤В╨╛╤А╨│╨╛╨▓╨░╤П ╨╗╨╕╨╜╨╕╤П?

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

╨а╨╡╨║╨╛╨╝╨╡╨╜╨┤╤Г╨╡╨╝╤Л╨╡ ╤Б╤В╨░╤В╤М╨╕

╨н╤В╨╛ ╨▒╤Л╨╗╨╛ ╤А╤Г╨║╨╛╨▓╨╛╨┤╤Б╤В╨▓╨╛ ╨┐╨╛ ╤В╨╛╤А╨│╨╛╨▓╨╛╨╣ ╨╗╨╕╨╜╨╕╨╕ ╨╕ ╨╡╨╡ ╨╛╨▒╤К╤П╤Б╨╜╨╡╨╜╨╕╤О. ╨Ч╨┤╨╡╤Б╤М ╨╝╤Л ╨┐╨╛╨┤╤А╨╛╨▒╨╜╨╛ ╨╛╨▒╤К╤П╤Б╨╜╨╕╨╝ ╤Н╤В╨╛, ╨╡╨│╨╛ ╤Г╨┤╨░╨╗╨╡╨╜╨╕╨╡, ╨░ ╤В╨░╨║╨╢╨╡ ╨▒╨╕╨╖╨╜╨╡╤Б-╨┐╤А╨╕╨╝╨╡╤А╤Л. ╨Ч╨┤╨╡╤Б╤М ╨▓╤Л ╤В╨░╨║╨╢╨╡ ╨╝╨╛╨╢╨╡╤В╨╡ ╨╜╨░╨╣╤В╨╕ ╨╜╨╡╤Б╨║╨╛╨╗╤М╨║╨╛ ╨┐╨╛╨╗╨╡╨╖╨╜╤Л╤Е ╤Б╤В╨░╤В╨╡╨╣:

• ╨Ъ╤А╨╡╨┤╨╕╤В╨╜╨░╤П ╨╗╨╕╨╜╨╕╤П
• ╨Ъ╤А╨╡╨┤╨╕╤В╨╜╨░╤П ╨╗╨╕╨╜╨╕╤П ╨┤╨╛╨╝╨░╤И╨╜╨╡╨│╨╛ ╨║╨░╨┐╨╕╤В╨░╨╗╨░
• ╨Ъ╤А╨╡╨┤╨╕╤В╨╜╤Л╨╣ ╤А╨╡╨╣╤В╨╕╨╜╨│ ╨▒╨╕╨╖╨╜╨╡╤Б╨░