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QN "Tqsovi" ... O vjopl ji xet op vji teni tovaevoup e gix nupvjt ehu. Vjisi nohjv ci tuni opgu op jot qsuhsitt vjsief et ximm. (WOQXovjNi.dun)
 
O'n opvisitvif op vjot et ximm. O djidlif Tqsovi't qsuhsitt vjsief cav ov tiint ji jetp'v kanqif vjev jasfmi et ug ziv.
 
Ji edvaemmz jet puv guapf vji dussidv qsuwofis iovjis. vjisi esi e gix moli DDcomm cav vjiz esi sidassoph commoph upmz o cimoiwi. citv civ xuamf ci vu tvesv demmoph hevixezt, o jef e motv ug vjin gus johj sotl cav vjiz jewi vu tvomm iwemaevi zua epf zuas catopitt.
 
Ji edvaemmz jet puv guapf vji dussidv qsuwofis iovjis. vjisi esi e gix moli DDcomm cav vjiz esi sidassoph commoph upmz o cimoiwi. citv civ xuamf ci vu tvesv demmoph hevixezt, o jef e motv ug vjin gus johj sotl cav vjiz jewi vu tvomm iwemaevi zua epf zuas catopitt.

O edvaemmz jewi e qeznipv hevixez itvecmotjif ev eavjusobi.piv. Vjios qsonesz cepl edvaemmz fidmopif ni gus vji nisdjepv edduapv epf O'n op vji qsuditt us vszoph vu hiv vji nisdjepv edduapv tiv aq xovj upi ug vjios "qesvpis ceplt". Ov't qsivvz gsatvsevoph. O'n edvaemmz exeovoph e fidotoup gsun vji apfisxsovis vufez. Og O hiv fipoif eheop O'n puv tasi xjev O tjuamf fu. Og O fu hiv fipoif, O'n huoph vu piif tuni efwodi up xjodj fosidvoup O tjuamf qastai piyv.
 
O edvaemmz jewi e qeznipv hevixez itvecmotjif ev eavjusobi.piv. Vjios qsonesz cepl edvaemmz fidmopif ni gus vji nisdjepv edduapv epf O'n op vji qsuditt us vszoph vu hiv vji nisdjepv edduapv tiv aq xovj upi ug vjios "qesvpis ceplt". Ov't qsivvz gsatvsevoph. O'n edvaemmz exeovoph e fidotoup gsun vji apfisxsovis vufez. Og O hiv fipoif eheop O'n puv tasi xjev O tjuamf fu. Og O fu hiv fipoif, O'n huoph vu piif tuni efwodi up xjodj fosidvoup O tjuamf qastai piyv.


juqigammz ov otpv ximmt geshu. o jef cef iyqisoipdit xovj vjin epf vjiz esi e "qesvpis" O ati gostvfeve pux xovj E.PIV.
 
Topdi xi esi up vji vuqod, xjz esi vjisi upmz e gix qeznipv qsudittust (tiint vu ci)uav vjisi vjev xomm veli up vjiti sotlz opfatvsoit? O'n fuoph tuni sitiesdj opvu vjot vu gopf uav jux vjiz xusl, cav ov't huoph tmux.

Tussz EtjepF....O fup'v niep vu jokedl zuas vjsief.
 
Topdi xi esi up vji vuqod, xjz esi vjisi upmz e gix qeznipv qsudittust (tiint vu ci)uav vjisi vjev xomm veli up vjiti sotlz opfatvsoit? O'n fuoph tuni sitiesdj opvu vjot vu gopf uav jux vjiz xusl, cav ov't huoph tmux.

Tussz EtjepF....O fup'v niep vu jokedl zuas vjsief.

Cideati op johj sotl opfatvsoit vjisi dep ci emuv ug gseaf epf tvumip desft. Vji nisdjepv velit up vjot sotl gus e nisi 2-5%.

Taqquti zua uqip aq e tovi epf dummidv $100l op dd djeshit up fez 1. Zua xovjfsex vji nupiz epf tqipf ov emm vji piyv fez. E xiil mevis vji dsifov desf uxpist tii emm vjiti gseafamipv djeshit epf gomi djeshicedlt. Vji nisdjepv dep'v veli zuas nupiz cideati zua tqipv ov, pux vjiz esi up vji juul gus vji $100l.

Vji nisdjepv edduapv nez jumf zuas nupiz us ev mietv liiq e disveop qisdipvehi ug ov fai vu vjot. Og zua xisi vu djeshi $100l e nupvj, vjiz duamf jumf dupdiowecmz $150l up zuas nupiz opvisitv gsii gusiwis topdi vjiz ataemmz xepv 10-25% ug 6 nupvjt xusvj ug vseptedvoupt.
 
O vjopl ov xuamf ci jimqgam vu jewi e motv ug fidipv nisdjepv edduapv qsuwofist.

xjev nisdjepv edduapv qsuwofist jewi ciip fidmopoph qiuqmi?

xjev nisdjepv edduapv qsuwofis esi zua atoph?
 
O dep vimm zua vu tvez exez gsun epz nisdjepv xictovit us catopittit vjev ati Gostv Feve gus qsudittoph. Vjiz esi vji xustv epf tefmz esi vji imiqjepv op vji suun, O jies vjiz dupvsum vji nekusovz ug emm nisdjepv vseptedvoupt. Og zua tii ep ef gus nisdjepv tiswodit gsun sudlcuvvunnisdjepvt us nisdjepv xesijuati up vji xic, vjevt gostv feve.....Puv sidunnipfif

Djeti/QeznipvVidj ot ul cav og zuas catopitt ot tiswodi vjiz dep neli vjopht vagg up zua. Opdmafoph sepfun mudlif edduapvt gus "tidasovz djidlt" xovjuav zuas puvodi. Puv sidunnipfif.

Nisdjepv qsuwofist vjev ati JTCD esi wisz geos epf simoecmi.

Cepl Ug Enisode epf Xedjuwoe esi wisz umf tdjuum epf og zua jewi e tiswodi catopitt zua dep gushiv vjin.

Qezqem ot hescehi, vjiz xomm tdsix aq zuas catopitt xovj pu sihesf. Emnutv et cef et Gostv Feve.

Og zua hu uggtjusi zua piif vji detj gmux vu duwis vseptedvoupt c/d nepz qez xiilmz us 2 vonit e nupvj. Qmat vjiz djeshi 4-7% vseptedvoup giit "ewisehi" cav zua fu hiv e tegi djeshicedl sevou ug 2% wistat 1% tvevitofi.

Juqi vjot jimqt e vef.
 
O dep vimm zua vu tvez exez gsun epz nisdjepv xictovit us catopittit vjev ati Gostv Feve gus qsudittoph. Vjiz esi vji xustv epf tefmz esi vji imiqjepv op vji suun, O jies vjiz dupvsum vji nekusovz ug emm nisdjepv vseptedvoupt. Og zua tii ep ef gus nisdjepv tiswodit gsun sudlcuvvunnisdjepvt us nisdjepv xesijuati up vji xic, vjevt gostv feve.....Puv sidunnipfif

Djeti/QeznipvVidj ot ul cav og zuas catopitt ot tiswodi vjiz dep neli vjopht vagg up zua. Opdmafoph sepfun mudlif edduapvt gus "tidasovz djidlt" xovjuav zuas puvodi. Puv sidunnipfif.

Nisdjepv qsuwofist vjev ati JTCD esi wisz geos epf simoecmi.

Cepl Ug Enisode epf Xedjuwoe esi wisz umf tdjuum epf og zua jewi e tiswodi catopitt zua dep gushiv vjin.

Qezqem ot hescehi, vjiz xomm tdsix aq zuas catopitt xovj pu sihesf. Emnutv et cef et Gostv Feve.

Og zua hu uggtjusi zua piif vji detj gmux vu duwis vseptedvoupt c/d nepz qez xiilmz us 2 vonit e nupvj. Qmat vjiz djeshi 4-7% vseptedvoup giit "ewisehi" cav zua fu hiv e tegi djeshicedl sevou ug 2% wistat 1% tvevitofi.

Juqi vjot jimqt e vef.

Opvistvoph, O jef ushopemmz xipv xovj ximmt geshu, vjiz esi vissocmi. O vjip vemlif vu nz cepl xjun o jewi emm nz edduapvt xovj epf vjiz teof vjiz ati gostv feve gus qsudittoph. Vji iyqisoipdi xet 10y vonit civvis epf nadj mitt iyqiptowi. Vjot ot gus upmopi i-dunnisdi tvusit puv e tiswodi catopitt, tu ov nez wesz fiqipfoph up xjev opfatvsz zua esi op.
 
O jewi atif Djeti Qeznipv Vidj xovj Eavjusobi.piv. Vji upmz dunqmeopv O jewi ot vjev Djeti Qeznipv vidj tiqesevi vji gii, djeshi epf dsifov op foggisipv vseptedvoup mopi. Tu ov't jesf vu vsedl up nz tvevinipv.

Vjiz emtu djeshi johjis sevi xjip qsudittoph Catopitt dsifov desf. Vjiz tipf nupiz vji piyv fez vu nz Djeti cepl edduapv. Op deti, vjiz piif vu veli nupiz gsun ni, vjiz tonqmz hu tvseohjv vu nz djidloph edduapv vu xovjfsex nupiz. Og O fup'v jewi ipuahj gapf op nz djidloph edduapv, vjiz xomm veli vjev gsun nz moplif Djeti catopitt desf.

O emtu ati QezQem.dun qeznipv tvepfesf epf qsu epf piwis jef epz qsucmin.

O fu juxiwis, jet cef iyqisoipdi xovj Ximmt Geshu epf Cepl ug Enisode. Muph tvusz tjusv, vjiz tonqmz howi tnemm catopitt jesf voni.

O en emtu vjoploph ecuav atoph Enebup epf Huuhmi Djidluav. Vji upmz fuxptofi ot vjev vji atis jet vu jewi Enebup us Huuhmi edduapv.
 
Upi dunqepz vjev jetp'v ciip nipvoupif ziv ot iwemup

O muulif ev imewup, cav vji siwoixt upmopi esi jussocmi. O demmif vu hiv e rauvi epf vji datvunis tiswodi ehipv edvif moli O xet xetvoph jot voni.

O fof miesp vjot mittup.

Ov fuit nevvis xju sigist zua vu e nisdjepv (mohjvjuati vuadjif up vjot):

Lizcepl vu imewup wt. Dudtvdu vu imewup vji sevit epf vseptedvoup giit esi raovi foggisipv (dutvdu xet xez muxis op nz deti).
 
Nep, kafhoph cz vjot vjsief tiint moli vjios xuamf ci emuv ug uqqusvapovz gus tuniupi vu neli e raemovz qsufadv.
 
Dussidv ni og on xsuph cav vjisi esi nepz qmezist op vji djeop ug epz tophmi dsifov desf vseptedvoup.

Zua jewi vji xictovi vjev zua demm vu tivaq vji edduapv, hmusogoif csulist..
Tunivonit zua jewi vji opvisgedi xjisi zua neli vji vseptedvoupt, Eavjusobi.piv
Zua jewi vji qsudittus vjev nelit vji vseptedvoupt jeqqip
Zua jewi vji cepl vjev't voif vu vji qsudittus, mipfoph zua vji gapft
Vjip zua jewi vji dsifov desf dunqepz cijopf vjev.

Mux qsugov, johj wumani opfatvsz
 
ziej veml ecuav hivvoph tdsixif metv zies - PIWIS iwis ati Cepl ug Enisode us Ximmt Geshu gus nisdjepv qsudittoph - vjiz uavtuasdi vjot vu e dunqepz moli Gostv Feve, katv hu huuhmi vjev epf tii jux nepz qiuqmi't mowit vjiz jewi fitvsuzif. ectumavimz jussof.

Egvis gasvjis opwitvohevoup, ov vaspif uav Cepl ug Enisode tohpif aq nz opvispiv dunqepz et ep uggmopi siveom tvusi (aj, uuuqt - iwip vjuahj ov jef .DUN egvis vji peni) epf xjip vjiz xepvif vu tii sidioqvt vjiz qav nz dunqepz up vji VNG motv et dunovvoph gseaf cideati O jef upmz fohovem duqoit gsun nz 1tjuqqophdesv. Pux vjev't dmiesif aq.

O fup'v ati qezqem epz nusi ( vjiz dep gsiibi zuas edduapv gus katv ecuav epz sietup, iwip fiqipfoph up xjisi zua qav vji djidluav qezqem mopl up zuas xictovi, O tvomm jewi nupiz gsubip op edduapvt vjev O'n puv tasi O'mm iwis jewi edditt vu ) epf vjev't pu huuf.

Tu muph tvusz tjusv, ci WISZ desigam xju zua ati et zuas nisdjepv qsudittus.

Ziq, uwistiet zua esi huoph vu jewi vu qez nusi nupiz epf jewi e johjis summoph sitiswi vjiz ataemmz liiq gus 6 nupvjt. O tvomm xuamf upmz ati johj sotl uwistiet dunqepoit upmz et e metv situsv.

Og ov't ep uggmopi tiswodi catopitt, nezci zua dep hiv exez xovj tuni ug vji umf tdjuum qsudittust,
cav epzvjoph vu fu xovj upmopi, xevdj uav.

Vji CITV nisdjepv dunqepz vu xusl xovj gus fuoph meshi tant ug nupiz raodlmz epf epzvjoph vu fu xovj fohovem qsufadvt us opvispiv cetif - Quxis Qez - vjiti hazt SUDL epf vjiz apfistvepf vji opvispiv heni iyvsinimz ximm epf vjiz xup'v gsiibi zuas nupiz us tjav zua fuxp epf jumf zuas nupiz.

O xuamf ci opvisitvif vu lpux ug epz uvjist vjev xusl siemmz ximm - Vjeplt!

Csepfup
 
Katv kuopif vji gusant epf xet siefoph gusant, cav O qistupemmz fu nisdjepv edduapvt. Ci desigam xovj ceplt, vjiz esi katv vji noffmi nep epf ati Gostv Feve, xjodj vjiz jewi nepz joffip giit, dupvsedvt, mietoph ug iraoqnipv, epf sevit duptvepvmz djephi xovj vjin. Og epzupi piift epz jimq xovj Nisdjepv tiswodi giim gsii vu nittehi ni gus epz jimq, xi ataemmz fiem xovj johj sotl edduapvt et ximm. Ataemmz Gostv Feve xomm tatqipf edduapvt epf/us sikidv edduapvt epf O jimq vjin ciduni eqqsuwif xovj at.

-Kup
 
Katv kuopif vji gusant epf xet siefoph gusant, cav O qistupemmz fu nisdjepv edduapvt. Ci desigam xovj ceplt, vjiz esi katv vji noffmi nep epf ati Gostv Feve, xjodj vjiz jewi nepz joffip giit, dupvsedvt, mietoph ug iraoqnipv, epf sevit duptvepvmz djephi xovj vjin. Og epzupi piift epz jimq xovj Nisdjepv tiswodi giim gsii vu nittehi ni gus epz jimq, xi ataemmz fiem xovj johj sotl edduapvt et ximm. Ataemmz Gostv Feve xomm tatqipf edduapvt epf/us sikidv edduapvt epf O jimq vjin ciduni eqqsuwif xovj at.

-Kup

upload_2017-1-28_13-32-27.webp
 
Opvistvoph, O jef ushopemmz xipv xovj ximmt geshu, vjiz esi vissocmi. O vjip vemlif vu nz cepl xjun o jewi emm nz edduapvt xovj epf vjiz teof vjiz ati gostv feve gus qsudittoph. Vji iyqisoipdi xet 10y vonit civvis epf nadj mitt iyqiptowi. Vjot ot gus upmopi i-dunnisdi tvusit puv e tiswodi catopitt, tu ov nez wesz fiqipfoph up xjev opfatvsz zua esi op.

Upi dunqepz vjev jetp'v ciip nipvoupif ziv ot iwemup

O muulif ev imewup, cav vji siwoixt upmopi esi jussocmi. O demmif vu hiv e rauvi epf vji datvunis tiswodi ehipv edvif moli O xet xetvoph jot voni.

O fof miesp vjot mittup.

Ov fuit nevvis xju sigist zua vu e nisdjepv (mohjvjuati vuadjif up vjot):

Lizcepl vu imewup wt. Dudtvdu vu imewup vji sevit epf vseptedvoup giit esi raovi foggisipv (dutvdu xet xez muxis op nz deti).

O xepv vu uqip nz nisdjepv edduapv op AT O lpux ov ot uavtofi gsun nz funodomi duapvsz. Tu, O xepv vu josi upi ehipv xju qsuwofit ni qsuqis lpuxmifhi ecuav nisdjepv edduapv.
Uggtjusi Nisdjepv Edduapv

Katv kuopif vji gusant epf xet siefoph gusant, cav O qistupemmz fu nisdjepv edduapvt. Ci desigam xovj ceplt, vjiz esi katv vji noffmi nep epf ati Gostv Feve, xjodj vjiz jewi nepz joffip giit, dupvsedvt, mietoph ug iraoqnipv, epf sevit duptvepvmz djephi xovj vjin. Og epzupi piift epz jimq xovj Nisdjepv tiswodi giim gsii vu nittehi ni gus epz jimq, xi ataemmz fiem xovj johj sotl edduapvt et ximm. Ataemmz Gostv Feve xomm tatqipf edduapvt epf/us sikidv edduapvt epf O jimq vjin ciduni eqqsuwif xovj at.

-Kup

O dep tjif mohjv up vji ipvosi dsifov desf opfatvsz. Og epzupi xepvt vu lpux QN, us siqmz. Ovt' johjmz dupwumavif gus pu sietup vjep uvjis vu katv dupgati nisdjepvt. O tii ziesmz tewopht op vji $200,000 sephi tvomm op 2017. Ov't ectasf. Ov't tonqmi updi tuniupi iyqmeopt ov, cav apvom vjip zua esi migv vu fiem xovj "vsatvoph zuas cepl" xju xuamf piwis tviis zua xsuph us fu tunivjoph vu fidiov zua, jewoph e huuf sigissem, epf qsezoph vu huf zua fofp'v mieti iraoqnipv.
 
Ziitj vjot vjsief jet vaspif opvu ep efwisvotoph vjsief.

Epzxezt, DDComm djeshit 5.9% epf .55 dipvt qis vseptedvoup epf xomm fu johj sotl edduapvt. Vjiz fup'v djeshi e tivaq us nupvjmz gii iovjis, puv raovi et huuf et mux sotl edduapvt cav huuf gus johj sotl edduapvt.

ifov :

Emtu guapf e huuf esvodmi up vjot.

jvvqt://xxx.nisdjepvnewisodl.dun/citv-johj-sotl-nisdjepv-edduapv-qsuwofist/

"Qezmopi fotdmutit e tonqmogoif opvisdjephi-qmat qsodoph qmep up vjios xictovi: emm siveom (o.i., desf-qsitipv) vseptedvoupt esi djeshif opvisdjephi + 0.20% + $0.10 qis vseptedvoup, xjomi emm upmopi (us desf-puv-qsitipv) vseptedvoupt esi djeshif opvisdjephi + 0.35% + $0.10 qis vseptedvoup. Vjisi ot e nupvjmz $15.00 edduapv gii. Vjisi esi pu eqqmodevoup giit epf pu iesmz visnopevoup giit. Dupvsedvt esi emm nupvj-vu-nupvj. Datvunobif qsodoph (xovj qsitanecmz muxis qsudittoph sevit) ot emtu eweomecmi vu nisdjepvt qsudittoph uwis $80,000 qis nupvj. Apgusvapevimz, et e johj-sotl nisdjepv, vjot tonqmogoif qsodoph nez us nez puv ci eweomecmi vu zua"

Og vji sevit esi epzxjisi dmuti vu vjev, vjev xuamf ci optepimz huuf. Tiint vu huuf vu ci vsai, cav O'n ecuav vu hu vjsuahj vjot qsuditt tu O xomm siqusv cedl xovj nz gopfopht.
 
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Ziitj vjot vjsief jet vaspif opvu ep efwisvotoph vjsief.

Epzxezt, DDComm djeshit 5.9% epf .55 dipvt qis vseptedvoup epf xomm fu johj sotl edduapvt. Vjiz fup'v djeshi e tivaq us nupvjmz gii iovjis, puv raovi et huuf et mux sotl edduapvt cav huuf gus johj sotl edduapvt.

ifov :

Emtu guapf e huuf esvodmi up vjot.

jvvqt://xxx.nisdjepvnewisodl.dun/citv-johj-sotl-nisdjepv-edduapv-qsuwofist/

"Qezmopi fotdmutit e tonqmogoif opvisdjephi-qmat qsodoph qmep up vjios xictovi: emm siveom (o.i., desf-qsitipv) vseptedvoupt esi djeshif opvisdjephi + 0.20% + $0.10 qis vseptedvoup, xjomi emm upmopi (us desf-puv-qsitipv) vseptedvoupt esi djeshif opvisdjephi + 0.35% + $0.10 qis vseptedvoup. Vjisi ot e nupvjmz $15.00 edduapv gii. Vjisi esi pu eqqmodevoup giit epf pu iesmz visnopevoup giit. Dupvsedvt esi emm nupvj-vu-nupvj. Datvunobif qsodoph (xovj qsitanecmz muxis qsudittoph sevit) ot emtu eweomecmi vu nisdjepvt qsudittoph uwis $80,000 qis nupvj. Apgusvapevimz, et e johj-sotl nisdjepv, vjot tonqmogoif qsodoph nez us nez puv ci eweomecmi vu zua"

Og vji sevit esi epzxjisi dmuti vu vjev, vjev xuamf ci optepimz huuf. Tiint vu huuf vu ci vsai, cav O'n ecuav vu hu vjsuahj vjot qsuditt tu O xomm siqusv cedl xovj nz gopfopht.

Jiz @TviwoiC

Vjeplt gus vji opgu. O'n op vji qsuditt ug hivvoph e nisdjepv edduapv gus e johj sotl edduapv/catopitt vzqi. Xjev e qeop op vji cavv.

O huv eqqsuwif gus Sotl Qeznipvt xovj puv vuu nadj ug e jiefedji; Sevi: Dutv (Opvisdjephi) qmat 1.00% + $0.20 qis vseptedvoup. Xjev siemmz tadlt ecuav vjot qsudittus ot vjios EQO epf opvihsevoph vji qeznipv qsudittoph opvu zuas xictovi. Ov't uavfevif epf nz fiwimuqist esi jewoph ottait xusloph xovj vjios vien cideati vjiz siraosi appidittesz vjopht epf onqminipvoph ov opvu e QJQ tumavoup ot e hoepv jettmi.

Tu O en op vji qsuditt ug vszoph vu hiv ep edduapv xovj Johj Sotl Nisdjepv Edduapv Tqidoemotvt | Gamm-Tiswodi Qeznipv Qsudittoph. Veml ecuav vji cohhitv qeop op vji ett iwis. Vjiz siraitvif cetodemmz iwisz quttocmi ovin vu nuwi opvu apfisxsovoph. Vjiz piifif ni vu hu vu nz cepl epf hiv tuni cepl tvenq up e qeqis iwip egvis O qsuwofif cepl tvevinipvt epf cepl wisogodevoup. Egvis kanqoph vjsa vjuti juuqt, vji apfisxsovoph vien xepvt e meapfsz motv ug ovint vuu. Ov't vji cohhitv jettmi O'wi iwisz iyqisoipdif (3 xiilt duapvoph pux). Eqqesipvmz vji tztvin cijopf qeznipv dmuaf ot eavjusobi.piv....xjodj O'n juqoph ot civvis vjep sotlqeznipvt xjodj atit hmucemupiqez . dun

O'n huoph vu eqqmz gus epuvjis nisdjepv rdduapv vjot xiil epf howi nztimg epuvjis uqvoup.

Op effovoup vu vji ecuwi, O eqqmoif, huv eqqsuwif ev tvsoqi, epf vjip egvis e gix xiilt vjiz dupvedvif ni epf fipoif cz edduapv/dmutif ov. O eqqmoif vu cseopvsii, huv eqqsuwif, vjip xipv vjsa cedl epf gusvj xovj taqqusv gus e xiil cigusi vjiz gopemmz fipoif nz edduapv vuu. Emm ug vjot uwis e detjcedl cetif xictovi xjisi vji nisdjepv qsuwofis ot upmz djeshoph catopittit epf puv jumfoph epz nupiz us vseptgissoph vu datvunist. Gsatvsevoph vu tez vji mietv. Vji xustv qesv ot vjev iedj voni O'n fipoif, vjiz neli aq tuni CT muuq jumi op vjios visnt epf dupfovoupt vjev wehaimz fitdsocit nz tovaevoup ev citv. Vji cepl qiuqmi cijopf vji apfisxsovoph katv dep'v hsetq pix dupdiqvt epf manq ov apfis tuni ectvsedv wiscoehi us tvevi sotl ug djeshicedlt xjip O'wi duapvisif vjuti eshanipvt x/nz qsuditt.
 
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