Page 1

April 2020

m=oul-เฆžomom$-ยŠ-m7 v|-|;ัด-mmbm]=uol|_; -vomb1_-ubเฆž;vo=|_;u-m7o7];o=;mmvย‹ัดยˆ-mb-

vย‹!!;-ัดัดย‹";1ย†u;[;u m-1|l;m| of the New SECURE Act? The Issue

=ย†m7;7-|-mย‹-];ฤทruoยˆb7;7ย‹oย†_-ยˆ;;-um;7 bm1ol;ฤบ$_;v;|u-7bเฆžom-ัด!1om|ub0ย†เฆžomvl-ย‹  !;1;m|ัดย‹ฤทย‰-vbm$-lr-ยˆbvbเฆžm]ย‰b|_uo|_;u ;m-0ัด;v;mbouv|o]uoย‰u;เฆžu;l;m|-11oย†m|v7ย†ubm] $olฤท-];ัตฦ‘ฤท=uolbm]v|omฤทฤท|oru;v;m|_bl |_;buฦ•ฦv-m7ัถฦvฤบ"bm1;|_;u;bvmo!;tย†bu;7 ย‰b|__bvฦ‘ฦ”ลŠย‹;-u-vomb1";uยˆb1;ย‰-u7ฤบ$ol bmblย†l bv|ub0ย†เฆžomu;tย†bu;l;m|=ou!o|_!vฤท 0;-l;7ย‰b|_rub7;-vru;v;m|;7_blย‰b|__bv b|l-ย‹0;lou;-7ยˆ-m|-];oย†v|o1om|ub0ย†|;|o rbmฤบbv=-1;|_;m|ย†um;7voย†uฤท-m7_;1oll;m|;7 |_;v;-11oย†m|vb=ย‹oย†-u;ัดoohbm]|or-vvvย†1_ |_-|_;ย‰-vย‰ouub;7-0oย†|ย‰_-|ย‰-v]obm]|o -vv;|vom|o_;buvฤบ _-rr;m|o_bvัดb=;v-ยˆbm]vเฆž;7ย†rbm_bv|u-7bเฆžom-ัด !ฤทย‰_b1_bm1ัดย†7;7-ัดัด_bvu;เฆžu;l;m|v-ยˆbm]v=uol ฦ‘ฤบ !;tย†bu;7bmblย†l bv|ub0ย†เฆžomล! ล‘]; oubm7bยˆb7ย†-ัดvย‰_o|ย†umฦ•ฦัฝ-[;u ;1ฤบฦ’ฦฤท _bvl-mย‹ย‹;-uvo=ย‰ouh-||_;_ovrb|-ัดbmbm]v|omฤบ ฦ‘ฦฦฦ–ฤท|_;! -];o=ฦ•ฦัฝbvbm1u;-v;7|o-];ฦ•ฦ‘ฤบ ;ย‰-v1om1;um;7-0oย†|_oย‰|_;ฤพm;ย‰ฤฟ!uย†ัด;v $_ov;ย‰_ou;-1_;7ฦ•ฦัฝ7ย†ubm]ฦ‘ฦฦฦ–lย†v|vเฆžัดัด ย‰oย†ัด7blr-1|_bv=-lbัดย‹-m7_bv7;vbu;|oัด;-ยˆ; v|-u||_;bu! vย†m7;u|_;ru;ยˆboย†vัด-ย‰ฤบ vol;|_bm]=ou|_;-vomb1_-ubเฆž;vฤบ;ัดoยˆ;v ัดoub7-ลvย‰-ulย‰bm|;uv-m77o;vmo|ย‰-m||ouย†m ฦ’ฤบ ฤพ"|u;|1_ฤฟ bv|ub0ย†เฆžomv-u;!;7ย†1;7 oย†|o=lom;ย‹-m7u;|ย†um|o1oัด7ย‰bm|;uvbmฤบ  m_;ub|;7!v=oumomลŠvroย†v;0;m;C1b-ub;v |oัด7$ol|_;ฤพvhย‹bvmฤฝ|=-ัดัดbm]ฤฟ-m7|_;u;-u;vol; ย‰bัดัดmoัดom];u0;7bv|ub0ย†|;7oยˆ;u|_;momลŠvroย†v; v|u-|;]b;v|o1omvb7;u|oruo|;1|_bvm;v|;]]=ou 0;m;C1b-ub;vลัดb=;;ยŠr;1|-m1b;vฤบ!-|_;uฤท!v-m7 _bl-m7_bv=-lbัดย‹ฤบ;ัดoย‰bv-0ub;=vย‹morvbvo= o|_;utย†-ัดbC;7rัด-mvo=7;1;7;m|vlย†v|0;r-b7|o ย‰_-|ย‰;7bv1ย†vv;7ฤบ momลŠvroย†v;0;m;C1b-ub;voยˆ;u-l-ยŠblย†l|;ulo=

What is the SECURE Act?  $_;" &! 1|l-h;vv;ยˆ;u-ัดvb]mbC1-m| 1_-m];v|o|u-7bเฆžom-ัด!vฤทbm1ัดย†7bm]ฤน

ฦฦย‹;-uvฤบ$_;u;-u;;ยŠ1;rเฆžomv=ouu;1brb;m|vย‰b|_ 7bv-0bัดbเฆž;vฤทlbmouv-m7bm7bยˆb7ย†-ัดvย‰b|_bmฦฦย‹;-uv o=|_;-];o=|_;!oย‰m;uฤบ

ฦ“ฤบ  v-u;&m-@;1|;7  $_;ย†v;o=tย†-ัดbC;71_-ub|-0ัด;7bv|ub0ย†เฆžomv ฦฤบ $u-7bเฆžom-ัด!om|ub0ย†เฆžomv  m7bยˆb7ย†-ัดvย‰_o|ย†umฦ•ฦัฝย‰b|_;-um;7bm1ol; ล  vล‘-|-];ฦ•ฦัฝbvย†m-@;1|;70ย‹|_;m;ย‰ัด-ย‰ฤท l-ย‹1omเฆžmย†;|ol-h;1om|ub0ย†เฆžomv;-1_ย‹;-uลย†r 7;vrb|;|_;! =ou!v0;bm]ฦ•ฦ‘ฤบ$_bvl-ย‹ |oลชฦ•ฤทฦฦฦr;uย‹;-uล‘ฤบomลŠย‰ouhbm]vroย†v;vฤทย‰_ov; ruoยˆb7;-morrou|ย†mb|ย‹=ou7omouvย‰_oย‰-m| vl-ัดัด;u! r-ย‹l;m|v=ou|-ยŠu;-vomv-|-];ฦ•ฦ‘ vroย†v;;-umvbm1ol;ฤท1-m-ัดvo|-h;-7ยˆ-m|-];o= |o0;]bm  ]b[v|o1_-ub|ย‹-|-];ฦ•ฦัฝฤบ |_bvruoยˆbvbomฤบu;ยˆboย†vัดย‹ฤทomัดย‹!o|_!v1oย†ัด7 0;=ย†m7;7-[;u-];ฦ•ฦัฝฤบัดัด!vl-ย‹moย‰0; omเขผmย†;7bmvb7;


ฦ”ฤบ "r;1b-ัด bv|ub0ย†เฆžom=ou -lbัดb;v  -u;m|v1-mย‰b|_7u-ย‰ย†r|oลชฦ”ฤทฦฦฦ=uol-m !ย‰b|_bm-ย‹;-uo=-1_bัด7ฤฝv0bu|_ou-7orเฆžom ย‰b|_oย†|r;m-ัด|ย‹0ย†|lย†v|r-ย‹bm1ol;|-ยŠom|_; ย‰b|_7u-ย‰-ัดฤบ

-mmย†-ัด1om|ub0ย†เฆžomu;tย†bu;l;m|=ou;-um;7 bm1ol;ฤบ  7ฤบ !o|_1omยˆ;uvbomv-u;;vr;1b-ัดัดย‹ -7ยˆ-m|-];oย†vbmย‹;-uvย‰_;u;ย‹oย†_-ยˆ;-ัดoย‰;u bm1ol;ฤทvย†1_-v-[;uu;เฆžu;l;m|ฤบ  $o=ย†m7ย‹oย†u!o|_!=uolย‹oย†u$u-7bเฆžom-ัด oย‰ o;v|_;1|lr-1|$olฤต !ย‰bัดัดu;tย†bu;|_;=ย†m7v7bv|ub0ย†|;7=uol|_; $u-7bเฆžom-ัด!|o!o|_!|o0;|u;-|;7-v-  $olย‰-v]ัด-7|o_;-u_;7b7mo|_-ยˆ;|o|-h; |-ยŠ-0ัด;7bv|ub0ย†เฆžomฤบ$_bv7bv|ub0ย†เฆžomlย†v|0; lom;ย‹oย†|o=_bv!ย†mเฆžัด-];ฦ•ฦ‘ฤทย†mัด;vv_; |-h;m-[;u-mย‹! bv7bv|ub0ย†|;7ฤบ$_;u;=ou;ฤท m;;7;7|oฤบ;ย‰bv_;7_;1oย†ัด7l-h;]b[v|o|_; ย‹oย†ย‰bัดัดm;;7|o1-ัด1ย†ัด-|;_oย‰-mย‹1omยˆ;uvbom -vomb1_-ubเฆž;v|_uoย†]__bv!0ย‹7obm]- 7bv|ub0ย†เฆžomล-m7! ล‘ย‰bัดัด-@;1|ย‹oย†u|-ยŠ0u-1h;|ฤบ  ฤท0ย†|_;u;-ัดbยŒ;7|_-|_;_-7|oย‰-b|ย†mเฆžัด-]; +oย†l-ย‹_-ยˆ;|o;lrัดoย‹-lย†ัดเฆžลŠย‹;-uv|u-|;]ย‹|o ฦ•ฦัฝ|o7ovo-m7_or;v_bv!bvlย†1_ัด-u];u0ย‹ 1omยˆ;u|-ัด-u];rouเฆžomo=ย‹oย†u$u-7bเฆžom-ัด! |_;mฤบ;ย‰-v|uoย†0ัด;70ย‹|_;m;ย‰uย†ัด;u;tย†bubm] |o-!o|_ !bmou7;u|oัดblb|ย‹oย†u|-ยŠ0bัดัดฤบ-mย‹ bm_;ub|;7!v|o0;r-b7oย†|bmฦฦย‹;-uv-[;u_; Cm-m1b-ัดbmvเฆž|ย†เฆžomย‰;0vb|;v_-ยˆ;1omยˆ;uvbom r-vv;vฤบ;rัด-mm;7|o7bยˆb7;_bv!0;|ย‰;;m_bv 1-ัด1ย†ัด-|ouv|o_;ัดr7;|;ulbm;b=-1omยˆ;uvbombv |ย‰ovomvฤท0ย†|ย‰-vmฤฝ|_-rrย‹-0oย†||_;lrovvb0ัดย‹ ub]_|=ouย‹oย†ฤท0ย†|ย‰oย†ัด7u;1oll;m7ย‹oย†v;;h vrัดbเฆฎm]-ลชฦrัดย†v!oยˆ;u-ฦฦลŠย‹;-ur;ubo7ฤบ; |_;-7ยˆb1;o=-ruo=;vvbom-ัดCm-m1b-ัด-7ยˆbvou|o ย‰-m|v|oruoยˆb7;|_;0oย‹v-mbm1ol;v|u;-loยˆ;u 7;|;ulbm;b=-1omยˆ;uvbombv=;-vb0ัด;-||_bvเฆžl;ฤท -r;ubo7]u;-|;u|_-mฦฦย‹;-uvฤบo@;u;7o0|_; vbm1;|-ยŠu-|;vl-ย‹0;|_;ัดoย‰;v|ย‹oย†ย‰bัดัดv;; =oัดัดoย‰bm]vย†]];vเฆžomvฤน =ou|_;u;v|o=ย‹oย†uัดb=;ฤท0;=ou;l-hbm]-Cm-ัด 7;|;ulbm-เฆžomย‰_;|_;u|o1omยˆ;u|oumo|ฤบ ฦฤบ !o|_omยˆ;uvbom ย†ubm]+oย†ub=;เฆžl;  omvb7;u1omยˆ;uเฆžm]-ัดัดour-u|o=ย‹oย†u ฦ‘ฤบ $_;!|o$;v|-l;m|-uย‹_-ub|-0ัด; |u-7bเฆžom-ัด!|o-!o|_!ฤบ)b|_|_;v|u;|1_! !;l-bm7;u&mb|uย†v|ล!&$ล‘ัด|;um-เฆžยˆ; moย‰o=ัดblb|;7ย†v;ฤท|_;!o|_!0;1ol;vom;  m;rัด-m|_-|1-m0;ย†v;7|ou;rัด-1;|_;ฦฦลŠ o=|_;0;v|ย‰-ย‹v|or-vvย‹oย†uu;เฆžu;l;m|=ย†m7v ย‹;-uัดblb|-เฆžom=ou7bv|ub0ย†เฆžomv=uol-mbm_;ub|;7 |oย‹oย†u_;buv0;1-ย†v;-ัดัด|_;=ย†m7v7bv|ub0ย†|;7ฤท !bv|o7bv|ub0ย†|;|_;ruo1;;7vย†rom|_;7;-|_ mol-ย‚;uย‰_;mฤท-u;=u;;=uolbm1ol;|-ยŠฤบ$o o=-vbm]ัด;r;uvomouvย†uยˆbยˆbm]vroย†v;|o-!&$ฤบ u;1;bยˆ;7bv|ub0ย†เฆžomv=uol-1omยˆ;u|;7!o|_! $_;!&$ฤทย‰_b1_1-m0;1u;-|;77ย†ubm]|_; ย‰b|_oย†|r-ย‹bm]|-ยŠ;vou-ฦฦัทr;m-ัด|ย‹ฤทb|lย†v| oย‰m;uฤฝvัดb=;เฆžl;ou|_uoย†]__bvou_;uย‰bัดัดฤทu;1;bยˆ;v o11ย†ulou;|_-mCยˆ;ย‹;-uv-[;u|_;ย‹;-uo=|_; |_;ruo1;;7v=uol|_;!ย†rom_bvou_;u7;-|_ฤบ 1omยˆ;uvbomฤท-m7ย‹oย†lย†v|0;ฦ”ฦ–ัฝouoัด7;uฤบ&mัดbh; "bm1;|_;!&$bv|-ยŠลŠ;ยŠ;lr|ฤท|_;u;bv-0ย‹r-vv |_;Cยˆ;ลŠย‹;-uuย†ัด;|_-|omัดย‹_-v|o0;l;|om1;=ou o=|_;bm1ol;|-ยŠom|_;|u-7bเฆžom-ัด!-m7-mย‹ 1om|ub0ย†เฆžomv|oย‹oย†u!o|_!ฤท;-1_1omยˆ;uvbom =ย†|ย†u;]uoย‰|_ฤบ$_;|uย†v|;;1-m|_;m7bv|ub0ย†|; _-v|ol;;|b|voย‰mCยˆ;ลŠย‹;-uuย†ัด;ฤบ ou|_bvu;-vomฤท bm1ol;=uol|_;|uย†v|0-v;7om-r;u1;m|-];o= ย‹oย†l-ย‹ย‰-m||o1omvb7;uv;r-u-|;!o|_-11oย†m|v |_;ยˆ-ัดย†; o=|_;|uย†v|ลย†vย†-ัดัดย‹ฦ”ัทล‘;-1_ย‹;-u=ou =ou1omยˆ;uvbomv-m71om|ub0ย†เฆžomvฤบ"ol;o=|_; |_;ัดb=;o=|_;0;m;C1b-ub;vo=|_;|uย†v|ou=ou-7ยˆ-m|-];v|o-1omยˆ;uvbombm1ัดย†7;ฤน |;ulo=ย†r|oฦ‘ฦย‹;-uvฤบ$_;|;ulo=ย‹;-uv|uย†v|  -ฤบ "bm1;!o|_!v-u;mo|vย†0f;1||o! vฤท bv;vr;1b-ัดัดย‹rorย†ัด-u=ouruoยˆb7bm]bm1ol;|o- ย‹oย†1-m7;=;u-ัดัดo=|_;-11oย†m|-loย†m||oย‹oย†u mย†l0;uo=_;buv-|om;เฆžl;ฤบ||_;;m7o=|_; _;buvฤบ |;ulo=|_;|uย†v|ฤท|_;u;l-bmbm]=ย†m7vbm|_;|uย†v|  0ฤบ !o|_1omยˆ;uvbomv-u;mo|vย†0f;1||o -u;7bv|ub0ย†|;7|o|_;!oย‰m;uฤฝv=-ยˆoub|;1_-ub|ย‹ฤบ |_;-mmย†-ัด1om|ub0ย†เฆžombm1ol;ัดblb|-เฆžomvo=  m|_;=oัดัดoย‰bm]r-];bv-7b-]u-lo=_oย‰ o7bC;77fย†v|;7uovvm1ol;o=ลชฦฦ’ฦ–ฤทฦฦฦ=ou |_;!&$orเฆžomย‰ouhvฤบ"ol;o=|_;-7ยˆ-m|-];v bm7bยˆb7ย†-ัดv-m7ลชฦ‘ฦัตฤทฦฦฦ=oul-uub;71oย†rัด;vฤบ o=ย†vbm]|_;!&$=ouom;ฤฝv_;buvbmv|;-7o=|_;  1ฤบ !o|_1omยˆ;uvbomv-u;mo|vย†0f;1||o|_; bm_;ub|;7!bm1ัดย†7;ฤน

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Appreciated assets and/or IRA Upon death of owner

CRUT

How a CRUT rเฆžom)ouhv  -ฤบ om];u|;ul=ou7bv|ub0ย†เฆžomvฤบ$_;! oย‰m;u1-mbm1u;-v;|_;r-ย‹oย†|เฆžl;r;ubo7|oฦ‘ฦ ย‹;-uvou|_;ัดb=;เฆžl;o=-m_;buฤบml-mย‹1-v;vฤท|_; -loย†m|u;1;bยˆ;7ย‰bัดัด0;lou;-[;u|-ยŠ;v|_-mb= |_;_;buลvล‘]o||_;!oย†|ub]_|7ย†;|o|_;ัดom];u r-ย‹oย†|r;ubo7-m7ัดoย‰;u|-ยŠu-|;ฤบ  0ฤบ uo=;vvbom-ัด-m-];l;m|ฤบ-mย‹! oย‰m;uv-u;1om1;um;7ย‰_;|_;u|_;bu_;buv1-m l-m-];-vb]mbC1-m|-vv;|=ou-ัดom]r;ubo7o=เฆžl;ฤบ $_;-vomb1_-ubเฆž;vย†v;vbัดัดu;;h-rb|-ัด 7ยˆbvouvฤทฤท|ol-m-];|_;|uย†v|-vv;|v-m7l-h; 7bv|ub0ย†เฆžomv|o-ัดัด0;m;C1b-ub;vฤบ$_;1ov|bvย†vย†-ัดัดย‹ ฦฤบัตฦ”ัท|oฦฤบัถฦ”ัทฤท-m7|_;-vomb1(bัดัด-];v-1|v-v |_;|uย†v|;;=oumo1ov|ฤบ$_bv-vvย†u;v|_;!oย‰m;u |_-|-vv;|vย‰bัดัดmo|0;ย‰-v|;7oulbvl-m-];70ย‹ |_;0;m;C1b-uย‹o=|_;|uย†v|ฤบ  1ฤบ !;7ย†1เฆžomo=$-ยŠ;v=ou;buvฤบ=|_; bmยˆ;v|l;m|l-m-];u=ou|_;!&$bmยˆ;v|v vย†0v|-mเฆž-ัดัดย‹bm1-rb|-ัด]-bm-vv;|vฤท|-ยŠv-ยˆbm]v1-m 0;u;-ัดbยŒ;70ย‹|_;|uย†v|0;m;C1b-ub;vล_;buvล‘-[;u -rruoยŠbl-|;ัดย‹ฦฦย‹;-uvo=|_;ัดb=;o=|_;|uย†v| 0;1-ย†v;7bv|ub0ย†เฆžomvย‰bัดัด0;l-7;=uolัดoย‰;u |-ยŠ;71-rb|-ัด]-bmbm1ol;ลย†vย†-ัดัดย‹-uoย†m7ฦฦ”ัทล‘ u-|_;u|_-m_b]_;u|-ยŠ;7ou7bm-uย‹bm1ol;ลย†vย†-ัดัดย‹ 0;|ย‰;;mฦ‘ฦ|oฦ’ฦ‘ัทล‘ฤบ  7ฤบ uo|;1เฆžom=uolu;7b|ouv-m7 bยˆou1; vv;|vฤบย‹rัด-1bm]|_;!ruo1;;7vbm-m buu;ยˆo1-0ัด;|uย†v|=ou|_;_;buvฤท|_;ย‹1-mmo|0; u;-1_;70ย‹-mย‹1u;7b|ouvo=|_;_;buvou0; bm1ัดย†7;7bm-mย‹7bยˆou1;ruo1;;7bm]v|o|_;;ยŠ|;m| |_;ย‹_-ยˆ;mo|0;;m7bv|ub0ย†|;7ฤบ  ;ฤบ !;7ย†1เฆžomo= v|-|;-m7m_;ub|-m1;$-ยŠ;vฤบ ;1-ย†v;|_;u;l-bmbm]ruo1;;7vbm|_;|uย†v|]o|o 1_-ub|ย‹ย†rom|_;7;-|_o=|_;ัดb=;เฆžl;0;m;C1b-uย‹

Heirs Upon death of heirs

-ย‹v_;buvCยŠ;7r;u1;m|-]; 7bv|ub0ย†เฆžom-mmย†-ัดัดย‹ลฦ”ัทฦณล‘

Remainder of CRUT |o=-ยˆoub|;1_-ubเฆž;v

ou;m7o=|_;|;ulo=|_;|uย†v|ฤท|_;u;bv-|-ยŠ 7;7ย†1เฆžom-ยˆ-bัด-0ัด;|o|_;;v|-|;o=|_;!oย‰m;u ย‰_b1_1-m0; ย†v;7|ou;7ย†1;|_;|-ยŠ;v=ou ;7;u-ัด ;v|-|;|-ยŠoubm_;ub|-m1;|-ยŠฤบ$_bvv-ยˆbm]v1-m 0;r-vv;7om|o|_;_;buvo=|_;;v|-|;ฤบ  =ฤบ uoยˆb7bm]=ou+oย†u -ยˆoub|;_-ub|ย‹ฤบ[;u ัดoยˆ;7om;v-u;ruoยˆb7;7=ouฤทlย†1_o=|_;]b[ u;1;bยˆ;70ย‹|_;1_-ub|ย‹bv|_;u;vย†ัด|o=|_;|-ยŠ v-ยˆbm]vu;-ัดbยŒ;7=uolย†vbm]-!&$ฤบ  ]ฤบ -m&v;-v-u|o=--ัด-m1;7 v|-|; ัด-mฤบ"bm1;lov|vbm]ัด;r;uvomvouvย†uยˆbยˆbm] vroย†v;v_-ยˆ;lou;|_-m|_;bu!-v-m-vv;|bm |_;bu;v|-|;ฤท|_;ย‹1-m1u-[-rัด-m=ou|_;_;buv|o u;1;bยˆ;r-u|o=|_;;v|-|;oย†|ub]_|-m7-v|u;-l o=bm1ol;=uol|_;!&$=ou-r;ubo7o=ย‹;-uvou ัดb=;เฆžl;ฤบ bm-ัดัดย‹ฤท|_;!oย‰m;uลv=-ยˆoub|;1_-ub|ย‹ u;1;bยˆ;v-vb]mbC1-m|]b[bm|_;=ย†|ย†u;ฤบ

$_;"oัดย†เฆžom  $oll;|ย‰b|__bvCm-m1b-ัด-7ยˆbvou|o7bv1ย†vv _bvorเฆžomv-m7-vh;7l;|ov;m7_bl-m bัดัดย†v|u-เฆžom=ou-ฦ‘ฦลŠย‹;-u!&$=ย†m7;70ย‹_bv! =ou_bv1_bัด7u;mฤบ;7;1b7;7|o|-h;|_;ฤพ0-ัด-m1;7 ;v|-|;ฤฟ-rruo-1_-m71_-m];7_bv)bัดัด|oruoยˆb7; =ou-ัดัด_bv-vv;|v;ยŠ1;r|_bv!|o]ooย†|ub]_||o _bv1_bัด7u;m-m7|_;!|o]o|o-ฦ‘ฦลŠย‹;-u!&$ vo |_-||_;ย‹_-7-v|u;-lo=bm1ol;=oul-mย‹ ย‹;-uvฤบ_;ัดr;7_bl-m7_bv-ย‚oum;ย‹ru;r-u;|_; 7o1ย†l;m|-เฆžom|ov;|ย†r|_;!&$=ou|_;!ฤบ $_;u;l-bm7;u-[;u|_;ฦ‘ฦลŠย‹;-u |;ulย‰-v|o]o |o|_;-vomb1$;lrัด;ล†b0u-uย‹-m7ย†v;ย†l-m7 |_;-vomb1_bัด7u;mฤฝvol;ฤบ$olv-b7|_bvย‰-v- ย‰bmmbm]1ol0bm-เฆžom-ัดัด-uoย†m7ฤบ

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-vomb1_-ubা;v m;-vomb1 ubˆ; Ń´bÂŒ-0;|_|o‰mġĆ?Ć•Ć?Ć‘Ć‘

April 2020

v_b;=b[Ń´-mmbm]L1;u=ou|_; -vomb1(bŃ´Ń´-];vbm;mmvÂ‹Ń´Âˆ-mb-ġŃ´ÂˆbmÄş Ń´b|ÂŒÄˇ vtĺġv;uˆ;v|_;-vomb1_-ubা;v o=|_;!Äş)Äşu-m7o7];o=;mmvÂ‹Ń´Âˆ-mb-ġ ‰_b1_1omvbv|vo=|_;-vomb1(bŃ´Ń´-];vġ|_; -vomb1_bŃ´7u;mĹ?vol;ġ|_;;mmvÂ‹Ń´Âˆ-mb- -vomb1+o†|_ o†m7-াomġ|_;-vomb1 b0u-u‹-m7†v;†lo=;mmvÂ‹Ń´Âˆ-mb--m7 |_;-vomb1_-ubা;v †m7Äş‚oum;‹Ń´b|ÂŒ _oŃ´7v--1_;Ń´ouo="1b;m1;7;]u;;=uol |_;&mbˆ;uvb|‹o="1u-m|omġ--v|;uo=u|v 7;]u;;=uol -buŃ´;b]_ b1hbmvom&mbˆ;uvb|‹ġ -m7-†ubv o1|ou-|;=uol b1hbmvom"1_ooŃ´ o=-‰ĺ;_-v]bˆ;m;v|-|;rŃ´-mmbm]v;lbm-uv |_uo†]_o†||_;1o†m|u‹-m7bv-l;l0;u o=-uŃ´bvŃ´;o7];oĺƑѾĆ?ġ-uŃ´bvŃ´;ġ-Äş

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