Mature living 2015

THE COLUMBUS DISPATCH | Special Advertising Section | wednesDAY, october 14, 2015

medicare

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Simplified Solutions

e r u t a M g n i v i L

INSIDE: Medicare — Open Enrollment Retirement —Gender Differences Social Security — How Much do you Know?

… AND MORE!

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THE COLUMBUS DISPATCH | Special Advertising Section | wednesday, october 14, 2015

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5 tips to make Medicare Open Enrollment easier

By carolyn dix remer dispatch media group (BPT) — Medicare Open Enrollment marks an important time of year for people older than 65 to change their health plans and prescription drug coverage for the upcoming year.

The open enrollment period is from Oct. 15 to Dec. 7, said Andy Haggard, Medicare Outreach program manager for the Central Ohio Area Agency on Aging.

The following are tips to help seniors who are reviewing their health plans.

Review

changes to health plans

Seniors have many details to keep in mind during Medicare Open Enrollment. There are often changes to Medicare health plans from year to year, which is why seniors should carefully review their plans and understand changes that might affect their coverage.

Medicare allows all plans to go public Oct. 1, giving adults some time before the enrollment period to start reviewing plans, said Sylvia Watson, sales manager for Medigold.

Adults enrolled in Medicare should receive an annual notice of change, informing them of any

changes such as to premiums or drugs covered, Haggard said. He suggested they look over the notice, but noted that if seniors are happy with their current coverage and any changes, they do not need to reenroll — their same plan will carry over into the next year. Seniors should consider the costs, benefits and choices of doctors and providers available.

Seniors should also identify whether all of their necessary health-care services and prescription medications are still covered under their existing plans.

Know

your enrollment period

Some people might confuse Medicare Open Enrollment with the open enrollment period for the state and federal exchanges. These are different enrollment periods and are not associated with each other.

Haggard noted that if someone turns 65 — and therefore becomes eligible for Medicare — during the enrollment period, he or she would be given their own separate window for enrollment.

Consider Medicare Advantage

Medicare Simplified Solutions Mature Living

Vice President Sales Stephen Zonars Special Sections Editor Rebecca Walters Special Sections Writer Carolyn Dix Remer

Medicare Simplified Solutions is a publication of The Columbus Dispatch’s Advertising Department.

For more information, call (614) 461-5000.

Medicare Open Enrollment serves as a valuable opportunity for seniors to change their coverage plans. Many might want to explore Medicare Advantage plans, which may fit their health-care needs better.

These plans could serve as good alternatives to Medicare Fee-For-Service. They combine all the different parts of Medicare — Part A, B, C and D — into one plan with one premium, Watson said. And, unlike regular Medicare, someone’s premium does not increase with age.

Medicare Advantage plans typically offer access to coordinated care — where primary-care doctors and specialists work together as a team.

According to the Centers for Medicare & Medicaid Services, Medicare Advantage plans can also provide protection against high out-of-pocket expenses. Some of these plans also offer personal-

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ized telephone-care management, health coaching and education and support from health-care professionals.

Because it is managed care, there is usually a provider network, Haggard said, so you want to make sure your providers are in the network if considering Medicare Advantage.

About 70 percent of people choose the regular Medicare option, while the other 30 percent opt for Medicare Advantage, Haggard said.

Identify

costs beyond premiums

Seniors should consider all of the costs associated with a plan, not just the monthly cost, also known as a premium. This includes copays, co-insurance and deductibles to understand how much will be spent on health care for the year.

Consider

access to coordinated care

Seniors should also thoroughly review their coverage options to determine whether their coverage will provide access to coordinated care, a value-based form of health care in which a team of providers work together to promote preventative, high-quality care.

This approach provides patients with access to a team of primary-care physicians, specialists, care managers and other professionals who work together to manage all aspects of patients’ care and overall health.

This model of care has a strong focus on prevention and helping patients make the most of their health insurance benefits.

To learn more about Medicare Open Enrollment, visit medicare.gov.

The golden years: Medicare and Medicaid turn 50 The Medicare and Medicaid programs are celebrating their golden anniversary. This year, these two programs turned 50, having been signed into law July 30, 1965, by President Lyndon B. Johnson.

But, the idea for Medicare and Medicaid actually began several years earlier. In 1945, President Harry Truman envisioned nationwide health care for citizens, but he was unable to get it passed in Congress, said Sylvia Watson, sales manager for Medigold.

When President Johnson

signed the programs into law 20 years later, Truman was in attendance — and he was the first person to receive a Medicare card, Watson said.

Medicare and Medicaid were started as a way to provide health care to uninsured Americans, and according to the Centers for Medicare and Medicaid Services, they have evolved to provide even more Americans with affordable health care, including those with disabilities.

Today there are close to 50 million people on Medicare in

the U.S., Watson said.

In Ohio, about 10,000 baby boomers are turning 65 and becoming eligible for Medicare every month, said Andy Haggard, Medicare Outreach program manager for the Central Ohio Area Agency on Aging.

“The adults I come into contact with seem to really like it,” he added, in response to why Medicare has lasted so long.

In 2012, more than 2 million Ohio residents were Medicare beneficiaries, according to the eHealth Medicare website.

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THE COLUMBUS DISPATCH | Special Advertising Section | WEDNESDAY, october 14, 2015

Health insurance hurdles?

Know when to ask for help (BPT) — Millions of people each year find themselves in transition with their health-care coverage.

They may be leaving an employer and considering COBRA coverage, or they may be nearing retirement and planning to enroll in Medicare.

Cost is a top concern, according to a Healthline survey of 490 U.S. consumers. More than half of survey respondents, or 50.8 percent, said they would rather avoid seeking medical treatment than face the high costs or coverage limits with their health plans.

People often are unfamiliar with their plan’s terms, costs and provisions. It’s especially complicated when trying to make decisions about transitions between coverage or choosing between Medicare alternatives.

“Medicare is a lot of information to absorb,” said Sylvia Watson, sales manager for Medigold. She recommended going to seminars for plans you are interested in learning more about as they provide the opportunity to ask questions.

“The world of choosing health-care coverage is becoming very complicated, especially for people making life transitions,” said Tricia Blazier, personal health and financial planning director for Allsup.

“Unfortunately, people find themselves in murky waters when trying to make good health insurance decisions for their families and their financial situations,” Blazier said.

Following are reasons to consider seeking help with the health benefits coordination process.

• Protect your spouse and dependents.

Benefits coordination refers to matching your family’s needs with the health plans available to them.

One example may be a family where the breadwinner has experienced a disability.

“If your family income drops significantly, it may be a case where your children can use the Children’s Health Insurance Program (CHIP) while you use COBRA or an exchange plan during the transition to something else,” Blazier said.

You do not necessarily have to switch to Medicare if you turn 65 but are still employed and covered under your current employer’s health insurance, said Andy Haggard, Medicare Outreach program manager for the Central Ohio Area Agency on Aging.

In that situation, you — and your spouse, if he or she is also covered by your employer’s health insurance — can delay enrolling in Medicare until you retire.

• Avoid gaps in health insurance coverage.

Transitions between health coverage, such as when leaving an employer for disability or retiring, can be complicated to navigate.

“There are time limits for making choices about your coverage, such as electing COBRA or choosing a Marketplace exchange plan,” Blazier said.

As individuals move to federal insurance programs, such as Medicare, there are program rules and processes that can add to the confusion. “You want to make sure you understand how timing works as you transition from group health to another form of health-care coverage,” Blazier said.

• Avoid penalties or unanticipated extra costs. Penalties are important with certain types of health insurance coverage. For example, Medicare has penalties that apply to Part B and Part D coverage when individuals miss those enrollment windows.

For example, after six months, adults interested in regular Medicare who have not enrolled can be asked to undergo a health assessment, whereas otherwise they would be accepted with any pre-existing conditions, Watson said.

With a Medicare Advantage plan, adults will always be accepted at any time, regardless of preexisting conditions, with the exception of kidney failure, she added.

To better understand the Medicare choices, you

can go to the Medicare Plan Finder on medicare.gov before the enrollment period to start researching plans, Haggard said.

Another example is the coordination when moving to Medicare from a high-risk deductible health plan (HDHP) and a health savings account (HSA).

“These are more complicated pieces of the puzzle when you are transitioning between types of health coverage, so it’s important to talk to a health benefits specialist,” Blazier said.

• Discover more options and better alternatives. While working, many people defaulted to a choice of health insurance plans from their

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employer. Transitioning to other coverage can open up new opportunities. It’s possible that you, your spouse and your children will each have a different type of health care coverage because it’s available and it makes financial sense.

For all of these reasons, it can be vital to work with a health benefits coordination specialist.

Choosing health-care benefits is an extremely personal decision, affected by variables such as the person’s health and medical needs, financial situation, family situation and place of residence, to name a few.

New Medicare Options from Medical Mutual Introducing MedMutual Advantage Plans Our Medicare Advantage plans include medical, dental and vision coverage. Choices include $0 premium plans (in certain counties), $0 primary care provider office visit copay plans, $0 prescription drug deductible plans and $0 generic drug copay plans. We are open 8 a.m. to 8 p.m. seven days a week from October 1 to February 14 (except Thanksgiving and Christmas), and 8 a.m. to 8 p.m. Monday through Friday and 9 a.m. to 1 p.m. Saturdays from February 15 through September 30 (except holidays). Our automated telephone system is available 24 hours a day, seven days a week for self-service options.

To speak to a licensed agent, please call (877) 328-8327 (TTY 711 for hearing impaired) or visit MedMutual.com/ Advantage.

MedMutual Advantage HMO and PPO plans are offered by Medical Mutual of Ohio under a contract with Medicare. Enrollment in these plans depends on contract renewal. Benefits, formulary, pharmacy network, provider network, premium and/or copayments/coinsurance may change on January 1 of each year. This information is not a complete description of benefits. Contact the plan for more information. You must continue to pay your Medicare Part B premium. Limitations, copayments and restrictions may apply.

H4497_H6723_SAT1_2016_Sep15 CMS Accepted

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THE COLUMBUS DISPATCH | Special Advertising Section | wednesday, october 14, 2015

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What you think you know about Social Security could be totally wrong (BPT) — Americans may have faith in the Social Security system, but many still don’t really understand how it works.

That’s a key take-away from a recent survey of Americans’ knowledge of Social Security retirement benefits.

While 63 percent of respondents said they do believe Social Security benefits will be available to them when they retire, many were confused about who qualifies for benefits, how much they’ll be eligible to receive and when they can start drawing benefits without penalty.

The survey, conducted by Massachusetts Mutual Life Insurance Co., included a true/ false quiz about Social Security facts.

Just 28 percent of those surveyed scored a passing grade, and only one person out of the 1,500 polled was able to answer all survey questions correctly.

The survey results illustrated a significant lack of knowledge about Social Security, including: • Although 75 percent of those surveyed thought being an American citizen is a requirement to receive Social Security retirement benefits, this is not the case.

Noncitizens lawfully living in the U.S., and who have permission to work here, can obtain a Social Security number, pay into the Social Security system and draw benefits. • More than seven in 10 respondents mistakenly thought that 65 is the age when everyone can begin

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drawing full retirement benefits. A person’s full retirement age depends on what year he or she was born.

Do you have a concern about your Medicare coverage?

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• Fifty-five percent of those surveyed incorrectly believed they could continue working during retirement while collecting full Social Security benefits, regardless of their age.

If you work during retirement, but have not yet reached your full retirement age, your Social Security benefits may be reduced if you earn too much.

Once you reach full retirement age, those withheld benefits will be repaid over your lifetime. “Perhaps the greatest Social Security deficit in this country is the lack of education around the retirement benefits of the program,� said Michael R. Fanning, executive vice president, U.S. Insurance Group, MassMutual. “With millions of Americans nearing retirement each year, many may be at risk of underutilizing a critical component of their retirement income stream.�

Still, some good news emerged from the survey.

Americans seem aware that Social Security should be only one component of their overall retirement savings plan.

Just 39 percent said they expected to rely more on Social Security than their personal savings or income during retirement, and just 15 percent expected to rely solely on Social Security.

Here are some Social Security facts to help improve your knowledge: • No single filing strategy works for everyone filing for Social Security benefits; there are too many variables.

For example, a married couple may have hundreds of options for filing for Social Security retirement benefits. • Americans are living longer. It’s no longer sufficient to plan for just 10 years of retirement. You may well need savings and income to carry you for three decades or longer. • While Social Security can be an important component of your retirement plan, you need to have other income as well.

Under- or over-valuing your Social Security retirement benefits could keep you from getting a true picture of your retirement savings plans.

A qualified financial professional can better help you understand how Social Security fits into your personal situation.

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THE COLUMBUS DISPATCH | Special Advertising Section | WEDNESDAY, october 14, 2015

4 ways to protect yourself from cardiovascular disease (BPT) — Cardiovascular disease — damage to the heart and blood vessels — claims more American lives each year than all forms of cancer combined, according to the American Heart Association.

Yet simple preventive steps, such as getting a cardiovascular screening, can help you make strides toward keeping your heart and blood vessels healthy.

Plaque buildup in the arteries — known as atherosclerosis — is the main cause of cardiovascular disease.

When the blood vessels that deliver blood to and from the heart become blocked or damaged, it can affect the heart itself, causing heart disease or leading to stroke.

Heart disease is the most severe form of cardiovascular disease, and according to the Centers for Disease Control and Prevention, nearly 27 million people have been diagnosed with it.

Awareness, prevention, testing and communication can help you manage cardiovascular disease risks.

Recognize and reduce risks

High LDL (bad) cholesterol and low HDL (good) cholesterol are among the most well-known risk factors that can lead to cardiovascular disease, but they’re not the only ones to be aware of.

If you have untreated high blood pressure, a family history of cardiovascular disease, or diabetes, your risk of developing cardiovascular disease may be elevated, according to the American Heart Association.

Smoking and a sedentary lifestyle may also contribute to cardiovascular risks, and women past the age of menopause and men older than 45 can also have a higher risk of developing the disease.

You can reduce these well-known risk factors by: • Having your cholesterol tested regularly, and maintaining the levels your doctor recommends.

• Being aware of family history.

• Managing diabetes or other health issues that can lead to complications.

• Quitting smoking, if applicable.

• Sticking to a regular exercise routine. Consult your doctor to learn what exercises and activity level will be best for you.

Have a cardiovascular screening done

Early detection is vital to effectively treating cardiovascular disease. You’ll have a better chance to stay healthy if you catch the disease before you begin to experience symptoms.

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Cardiovascular screenings are an affordable, easy and noninvasive way to detect possible problems in a patient’s blood vessels before they become more serious.

The ultrasound testing looks inside a person’s arteries for signs of blockage, which can help detect cardiovascular disease early.

In fact, a study published in the Journal of the American College of Cardiology found that such testing improved doctors’ overall ability to predict cardiovascular risks.

Cardiovascular screening is often recommended for people older than 55 who have risk factors.

Adopt habits that are vascular friendly

While some risk factors such as age and genetics are beyond your control, you do have the power to influence others.

Certain lifestyle changes are known to benefit cardiovascular health, while delivering other health benefits as well. The American Heart Association recommended these heart- and bloodvessel-friendly lifestyle tips: • Eat a diet that’s low in saturated and trans fats, cholesterol, sugar and salt.

• Eat lots of fruits, vegetables and whole grains that are rich in fiber.

Have fish at least twice a week, and incorporate nuts, legumes and seeds into your diet.

Reduce your meat intake, choose lean meats when you do eat meat and opt for low-fat or fat-free dairy products.

• Exercise at least 150 minutes per week, choosing moderate to intense activity. Or, if you’re able, do 75 minutes of vigorous aerobic activity like jogging or running every week.

Do muscle-strengthening activities at least twice a week.

Learn and communicate While caring for your cardiovascular health is important at any age, risks rise with age. As you grow older, be aware of the signs of stroke and heart attack.

Talk to your doctor about your risks for cardiovascular and heart disease, preventive measures and how to best detect and treat problems early.

If you’re at an elevated risk of cardiovascular disease, or have it, get support from friends, family and social groups to help you maintain your cardiovascular health.

Support can help you stay on track with important lifestyle changes and make it easier to monitor your disease.

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Are you new to Medicare?

Do you need help understanding your options?

Call COAAA today and talk to our Medicare experts to get free information and unbiased advice to help you make informed decisions. COAAA does not represent or sell insurance products.

Serving Central Ohio for more than 40 years.

Your Aging and Disability Resource Network 1-800-589-7277 | www.coaaa.org | coaaa@coaaa.org You can also call our experts for free unbiased information on in-home services, housing, caregiving and more.

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THE COLUMBUS DISPATCH | Special Advertising Section | wednesday, october 14, 2015

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5 simple time-tested tips for aging well

(BPT) — A health renaissance is taking place in America as more people are embracing aging well and being proactive rather than reactive about their wellbeing.

Prevention has become the focus, and many aging Americans are turning to time-tested methods for keeping their bodies and minds healthy so they can live longer, higher-quality lives.

Kristen Johnson, certified personal trainer, registered dietician and nutrition expert at ontargetliving.com pointed out five time-tested strategies for aging well:

Daily exercise “Daily movement is the real fountain of youth. It keeps us healthy from the inside out,� Johnson said.

She noted that quality over quantity is what really matters. “When it comes to improving overall fitness, highintensity exercise for a short amount of time may be much more beneficial than low intensity for a long amount of time,� Johnson said. “Research suggests that fat-burning hormones like human growth hormones and testosterone are stimulated by high-intensity exercise, while fat-storing hormones like cortisol may be lowered. Try increasing the intensity and frequency of your exercise, while decreasing the time spent.�

Super foods The foods you eat influ-

ence how you look and feel, from glowing and confident to lethargic and sick. Selecting foods that people have eaten historically as nutritional powerhouses can help boost overall wellness. “Super foods are nutrientrich foods, such as fruits, vegetables, ancient grains, healthy fats and lean proteins,� Johnson said. “These foods naturally contain high amounts of antioxidants, vitamins and minerals, which all contribute to healthy aging.�

A few to focus on: • Carrots, squash and sweet potatoes are extremely beneficial for eye and skin health, thanks to high levels of betacarotene, a type of vitamin A. • Brightly colored fruits and vegetables will have an abundant amount of antioxidants, and these help prevent oxidation and cell damage.

Examples: raspberries, kale and cabbage. • Carbohydrates like healthy grains, beans and potatoes help produce serotonin, a calming and satiety hormone that fights stress and anxiety’s negative effects.

Nutrients Supplements help fill nutritional gaps, especially as the aging body requires greater amounts of certain vitamins and minerals. Johnson pointed out the importance of omega-3s for aging well. “Omega-3 fats are essential for getting you healthy from the inside out, all while helping improve hormonal

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balance, brain health, weight loss and metabolism,� she said. “Omega-3 fats are also extremely helpful for healthy skin, hair and nails.�

Her favorite? Nordic Naturals Cod Liver Oil. “This contains EPA and DHA, both of which contribute to a healthy heart and brain,� she said. “Cod liver oil also helps improve cellular function, energy and mood. Did you know cod liver oil can actually taste good? Try their delicious orange flavor.�

Sleep

“Chronic lack of sleep is one of the fastest ways to age the human body,� Johnson said. “Lack of sleep can have a huge impact on the appearance of skin, causing fine lines, wrinkles and dark

under-eye circles. Not getting enough sleep can also cause your body to release a stress hormone called cortisol.�

She noted that adequate sleep can positively influence cognitive ability, mood, weight loss and skin rejuvenation, so it should be a top priority for an aging-well routine. While the right amount of sleep will vary between individuals, the goal for most adults is around 7 to 8 hours a night.

Social activity Human interaction can decrease as people age, but it’s more important than ever to form and maintain bonds with others. Participating in social activity is a fun way to enjoy life and reap real health benefits.

“The American Medical Association has noted that stress is the basic cause for more than 60 percent of all human illnesses and diseases,�

Johnson said. “When you are socially active and surround yourself with people you enjoy, you may be less likely to feel lonely, unhappy or unfulfilled, all of which can cause unwanted stress.�

Finally, there’s no need to become overwhelmed. Start an aging-well routine by taking one small step and building healthy habits over time.

This is what will lead to longterm success. “Remember that it’s never too late to start living a healthy and happy life,�

Johnson said. “Give yourself more reasons to smile and laugh.�

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THE COLUMBUS DISPATCH | Special Advertising Section | WEDNESDAY, october 14, 2015

How men and women experience retirement differently (BPT) — What’s retirement like?

The answer may depend upon whether you are a man or a woman.

Women reported more positive experiences in retirement than men, yet also said they are more likely to experience negative emotions, especially stress, according to a study conducted

by MassMutual. The study’s findings have implications for retirement planning, both financially and emotionally.

“Women often experience high levels of stress before retirement as they juggle both professional and family responsibilities,” said Elaine Sarsynski, executive vice president of MassMutual Retirement Services. “We are learning that the stress women feel often carries over into retirement, but we’re also hearing that women often make more of their retirement opportunities and experiences than men.”

The study surveyed 905 retirees within 15 years after retirement and 912 pre-retirees within 15 years before retirement. The responses for both groups were evenly split between men and women and respondents had a minimum of $50,000 in retirement savings.

One in five women (20 percent) is at least moderately stressed in retirement compared to 15 percent of men, the study found. Women also are more likely to feel frustrated, sad,

lonely and nervous.

Before retirement, women are much more likely than men to report being stressed. The study found that 49 percent of women preretirees said they are at least moderately stressed compared to 38 percent of men preretirees.

Though whether you are a man or a woman, saving for retirement contributes to positive emotions and experiences in retirement. Those who have a 401(k) or other retirement savings plan were more likely to report experiencing positive emotions as compared to those who did not.

Of the retirement plan participants, 74 percent said they are “extremely” or “quite a bit” happy compared to 68 percent who did not participate in a retirement plan, and 70 percent of retirement plan participants said they are “extremely” or “quite a bit” relaxed compared to 61 percent who did not have a plan.

“Overall, positive emotions for both men and women tend to increase and negative emotions tend to decrease in retirement,” said Mathew Greenwald, president of Greenwald & Associates, whose firm conducted the study on behalf of MassMutual.

“People also tend to exaggerate expectations for retirement, especially women, partly because it’s difficult for many people to envision what life in

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retirement will actually be like.”

In the years before retirement, women have markedly higher expectations than men for enjoying the social aspects of retirement and somewhat lower expectations for their financial fortunes.

During retirement, women report having less free time than men and yet are more likely to have new experiences, find more time for friends and enjoy more opportunities. Men’s expectations tend to be more in line with their eventual experiences, which are typically less fulfilling than women, according to the study.

Sarsynski recommended that preretirees take steps to help themselves gain a more concrete understanding of what their lives may be like once they retire.

“Spend time with retirees to gain insights and better prepare both financially and emotionally for retirement,” Sarsynski said. “We also suggest that pre-retirees track all of their purchases, especially when on vacation or participating in activities they enjoy. That will help them better understand how costly, and therefore how feasible, the lifestyle they envision will actually be.”

Coming to Columbus, Ohio

Creekside Conference & Event Center 101 Mill Street, Suite 300 Gahanna, OH 43230

Tuesday, October 20, 2015 10AM to 2PM

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For participation rates, questions or to register please contact Jen Kammerer at 513-709-3332 or Bill Westerkamp at 513-518-5523.

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THE COLUMBUS DISPATCH | Special Advertising Section | wednesday, october 14, 2015

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Zero, zip, zilch No matter how you say it, Humana has Medicare Advantage plans with $0 premiums

Looking for a lower premium Medicare plan? How does $0 a month sound?

You can get great benefits, plus the extras you want – all for a $0 monthly plan premium. • Prescription drug coverage • 24-hour nurse advice line • Preventive coverage • -!2-0`1 -$i!# 4'1'21 ," &-1.'2 * !-4#0 %# • Emergency coverage at home and when you travel • Fitness program – gym membership at no additional cost • Dental, Vision and Hearing coverage

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Humana is a Medicare Advantage HMO organization with a Medicare contract. Enrollment in this Humana plan depends on contract renewal. This ',$-0+ 2'-, '1 ,-2 !-+.*#2# "#1!0'.2'-, -$ #,#n21@ -,2 !2 2&# .* , $-0 +-0# ',$-0+ 2'-,@ '+'2 2'-,1A !-. 7+#,21A ," 0#120'!2'-,1 + 7 ..*7@ #,#n21A .0#+'3+ ," +#+ #0 !-12 1& 0# + 7 !& ,%# -, ,3 07 q -$ # !& 7# 0@ -3 +312 !-,2',3# 2- . 7 7-30 #"'! 0# 02 .0#+'3+@ -0 !!-++-" 2'-, -$ .#01-,1 5'2& 1.#!' * ,##"1 2 1 *#1 +##2',%1 ! ** qQxwwQwqsQvqwv H B wqqJ@ -301 0# u @+@ S x .@+@A w " 71 5##)@ ..*'! *# 2- 3+ , -*" *31 xyusQppu H J@ &'1 ',$-0+ 2'-, '1 4 '* *# $-0 $0## ', -2&#0 * ,%3 %#1@ *# 1# !-,2 !2 *'!#,1#" 3+ , 1 *#1 %#,2 2 qQxwwQwqsQvqwv H B wqqJ@ 12 ',$-0+ !'ĹŠ, #12ÄŹ "'1.-,' *# %0 23'2 +#,2# #, -20-1 '"'-+ 1@ ĹŠ,% 1# #, !-,2 !2- !-, 3, %#,2# "# 4#,2 1 !#02'n! "- "# 3+ , * qQxuuQxtrQstsv H B wqqJ@ pptpU

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