Cơ sở lý luận cho quản lý nhà nước về bảo vệ người tiêu dùng

Cơ sở lý luận cho quản lý nhà nước về bảo vệ người tiêu dùng
 Tổng quan về quản lý nhà nước về bảo vệ người tiêu dùng
 Một số khái niệm liên quan
Cơ quan quản lý nhà nước

 !"#$%""#&'()!
*"#$(#+,-.+/!&0
1&02$()3'*
Người tiêu dùng
4&)+0-.05&&67888(#9:;5&&
675&'$<=62>'6#22?&67<&
+@$&' A
4&)B&)C;##<DE8FBGGF;HIJKBFGFBGG3'
J?3(#&&L&0&K+0)-.0()&
5&&67M(#2/+D&&5&&
67#<!&)N3'K+0$-'O9
I;5&'5&<=62>'$6#2M'?
-.@ 
I;5&'>'$6#25&P+$&' Q
<=62
IJ+@$&' $<=62>'$6#265&P+
'Q6$Q
I;5&'$<=62>'$6#2
R
?<.S"$P&
6'PT&&)N3'##<DE8FBGGF;HIJK
I455&'>'$6#2<.S"$P&
6'$222?<&5& PT&5&&
67PT-.0K+0U.0()&5&&
67
Các quyền của người tiêu dùng

4'
R
T
R
-'
V

R
(
W
%
R
&%
W
&&6
W
'
X
%
R
Y
W
'
W
'
W
'
Z
&
V

P'
Z
@<
X
(
W

V
'%
W
&&6
W
Y
W
@X'%
R

S'
Z
&
R

X
'
W

;'
W
['
Z

C,8EB$4T
V
T
Z
\
X
]^6T
R
T
R


R

V
'4%
R
&
R
\
X
'
X
'
Z
-&
V
9:_4&
R
Y

X
'$%
W
&&6
W

'
W
@
Z
'
V

Z
'`
R
'
W

Z
%
W
&T'
V
@
Z
$
Z
'
Z

T
R
'
W
&
R
'
Z

T
R

V
'@
W

Z
'
Z
(
Z
&
R

W
P&
Z
$6
W
'

W

V
''
W
%
Z
'@
4
Z

R
'
R
&'
W

X

Z
%
W
&('
R
6@
Z
'
W
('&
V



V
'
R
'
R
&PT%
R
,
Z
_Aa;,8bC$&%
R
(T
Z
Y
Z

Z

-T
Z
'
W
['
Z
C%
V
'
W

:;'
W
(
W

V
'%
W
&&6
W

Z
&%
Z
&Ac
4
W

X
'
Z
-&
V

V
'4T
V
T
Z
\

X
$
X
(
W

V
'%
W
&&6
W

6@
W
%
R
Y
W
'
W
'
W
'
Z
&
V
H@
W
&$^6''-T
Z

(
W
%
-'
V

V
'%
W
&&6
W
$
Z
'
W
:(
W
%
R
''
W
$(
W
%
R
T&$
(
W
%
R


R
'
R
'
W
(
W
%
R
-'
W

V
('&
V
AUT
Z
(
W
'
W
'
W
T
Z


X
&

V
''
R
T
R
-'
V

R
%
W
&&6
W

Z
&%
Z
&'
W
&'&'
R

Z

d'('
Z
Y
W
'
R

T
R

R
&X
V
''
Z
T
V

Z
-'
V

R
(
W
%
R
&%
W
&
&6
W

Z
&%
Z
&$'

Z
(
W

V
'%
W
&&6
W
'
X
%
R
-T
V
<
&%
R
(T
Z
$T
R
T
W
(T
Z

Z
'
W

Y
Z

V
'
Z
%
Z
'
X

W
'
@
R
'
Z
(
W
%-'
V

V
'%
W
&&6
W
H
Z
'

W
9
IQuyền được thỏa mãn nhu cầu cơ bản9()>
>'$6#2&LL22<D,$e$,<><Pf$
g$&&_;
X
@
W
&
Z

Z

W
&@
W
%
Z
&&'
Z
'
V
%
R

Z
'
W

Z


V
@
Z
@
R
%
R
;@
W
%-'
V
'
W
T
R
P'
Z
&&
R
%T
Z
&'
W
T
V

('
Z
^&Y

W
T
R
'
Z
&
V

V
'S'
X
T
R
&
W
%
V

Z
@
Z
$
W
P&
Z

W
,
R


&
W
P
Z
P,Y
W
@
W
%-'
V
'
W

X
'
Z
&T
Z
&&
V

V
%
W
&
Z

V
T
W

'
R
&%
R
J
W
P&S'
X
T
R
&'
Z
&
V
%
V

Z
'%$@
W
%-'
V

X

'T
V
&^&
Z


X
@
W
%-'
V
T
Z
&&
V
PTY
V
'
W

V
T
W
'
R
&'
W

W
-'T
W

X
@
W


W
&@
W
&'&
Z
$
R
'
W
$&'
R
&_
V
%
W
&
Z

V
T
W
'
R
&'
W
'
Z
&
V
;@

R
$(
W
%
R

V
''
X

@
W
%-'
V

V
'%
W
&
V
'%
W
&&6
W

X
'T
V
&&
W

P&
R


V
'S'
X
T
R
&$%
W
&@
W
%
R
'
Z
&
V
'
V

W

V
@
Z
@X&@
W


IQuyền được an toàn9()3'5&&67-.0D
&>'$6#2$(+ <.S">&L<Pf$5&<D
()&?+3'gH/.-.D()$+$6#
2PTN1.-.'*.<!'6&
5&<=62+L0%'&
I Quyền được thông tin9()3'5&&671.&
"T&1&L)<.h$>'$6#2g<=62
/>/!(L#&0><=62'PT%<e>13
T&
;5&&67>()&LT&)&+.$"$<D
$1_3'+6#2^&>13T&
3'<.hQ6#2 5&&67<i''(L#'!'
gj%$+ -#e@3'+&L6#
(.+$&L#<'&0$PT!$?k'6D&5&&
67;T
R
&6T&%
W
&&6
W

Z

V
%
R

R
&
R

T
('&
R
&'
X
'
W

Z
'$(''
Z
%
Z
6@X<
V
6
R
'('&%
Z
&&
R

('
V
'
Z
'
Z
%&
R

T&
IQuyền được lựa chọn:()3'5&&67&0!6
(L#67'PT67<.h$6#2;%
W
&&6
W

Z
()&L+6#2+'6*&"D$&+
.'J'
Z
'
W
&T&PT
R
$'
R
'<
R
P'&
Z

&'
V
'
R

V

W


Z
%
W
&&6
W
$&
R
%
R
&6
R
&
R

Z
T
Z
Y
X
'T
R

(
W

V
P&
Z
%

W
&&6
W
-,
Z
-T
R
'
V
&<
V
6
R
'
W

Z
'$6&
R

R

V
'
Y
W
,
R
&
R

'&''
W

V
'@
R
'
R

Z
'
R
'
W
'
W
'
W
&&
'
R
(
W
%
R

R
'
R


V
'%
W
&&6
W
l&0.-.()<i
&j5&&67g'j<.h$6#2 
Dd)!'g<i!&0D%)P&
L#5D()$><!'
IQuyền được lắng nghe:()3'5&&67-fm
P&L3' D&*&+<.S"$P&6')+&>'$
6#26g$P/.('0+&&'5&'5&-+
n-fmP&L*&*$*&+%('#?<+
'
Z
@
R
_
W

X
@
Z

W
&('
Z

R
;o.-.o5&&

67<i>%&/'&'(+ S@6!$!&0?<+
(+ +&/<.h$6#2;5&&67
Z

V

R
&
Z


Z

Z
P&
Z
$T(''
R
&6&
R

V
'Y
W
$T(''
Z
T
R
&%
W

&&6
W

'
Z
@
Z
,
R

Z

V
'&'+6&p/'&$.-.
0&?3' J+(D&'1+$&0&&
5&&67/g>/-fmP&L?3'+6'
&0;
X
'
W
&PTT
R
$%
Z
%
W
,
R
'
W

'
Z

Z
P&
Z

V
'
%
W
&&6
W

W
'
W
&'
R
(
W
%
R
,
Z

V
'%
W
&&6

W

4T
R
(
W
%
R
,
Z

V
'%
W
&&6
W

W
''
W
Y
X
'
R
$
W
''
W
%
R

&Y
Z

V
''
Z
'
W
<'
V
S@
Z
P&6'$Y
W
T('
Z
P&
Z

V
'%
W
&&
6
W

R

Z


V
'
V
&&
Z
'
W

Z
'$6&
R

R
,
W
&'
W
%
R

W
&
V
'
%
W
&&6
W
$'
W

&
W
P&
R
@
Z
T
Z

V
6'&
R
'
Z
&
V

IQuyền được khiếu nại và bồi thường:^&Q&0q&$
&)PTk'm('0*&+<.S"P&6'$5&&
67>()P&L&;5&&67>()P&L&q&
f&-O&5D&*&&'%&Q'
?->5&&67;5&&67n>()&.&(L
T-oP&L&?+;'
W
<'
V
S@
Z
P&6''
V

&-T
W
&
%
W
%
W
&&6
W

Z
<'
V
@
V
$6&
R

R

V
'
R

Z
PT

Z
%
Z

&T
R
&6'
X
&%
Z
&&
R
$('
V
'
Z
$&'P
Z
%
R
T
W
J'
Z
P&
Z
'
R
&

V
'%
W
&&6

W

Z

V
%
R
&'
V
&(
Z
-,
W
'
Z

W
'&'
V
&&
X
'%
W
&

Z
'
W
%
W

&&6
W
,
R
T(''
Z
%('('
V

Z
'
W
%
Z

&('$%
W
%
R
PT&'
V
&(
Z
%
R
Y
W

Z


V
T('
R
T
Z

W
''
Z
6@<
R
\r&(D&'$6'&01S@6!%L-O&
5$)-7D&*&&0&6r&3'"s
T-+<'&$+<.h$6#2PT&h$PT.
-.'$&+.(+'_UT
W
&%
W

V
''
Z

X
P&
Z
'
R
&
Y

Z
'
Z

V
'%
W
&&6
W
<
X
@'%
R
Y
Z
&
R

V
'6'
&
R
$'
V
&&
R
%
R
Y
W

'
V

V
'6'&
R
,
Z
%
W
&&6
W

IQuyền được giáo dục, đào tạo về tiêu dùng9t&+62&67$)
P&LPu,&67<i&j5&&67>&/
-&L)#L3' SM&$>P.,!-.0 $-.0+
()3' $/5&&67>/>13P.,''<!!'
g7+<.h6#2&67l&
R
&'
Z
6
R
%
W
&&
6
W

Z


V
%
R

R
&
R
-,
W
&
W
Y
W

Z
@
Z
T&$
P&
Z

Z
T(''
Z
@
Z
@
V
$-'

Z
Y
Z
$'
Z
-T
V
&T
R
&'
V
$T
R
&&
R
$&
V

'
X
_;&
W
%
Z
'
X
'&'
Z
6
R

&6
W
'
W
'
Z
%Y
W
&'
Z
6
R
%
V
'
Z
%
W

R
H&)('gP&!&0()1"
13P&L$T&5&&67eP!TT$&)
j&$7<@$7S'
I Quyền được có môi trường sống lành mạnh và bền vững: ;5&&
67PTN1&L*&+<.h6#2>"
q>()<D&0T&5$PT
@&L?$&<&(/-.0$<Pv
 +L0%'&;%
W
&&6

W

X
%
R
(
W

Z
T
R
T&%
W
S'
X
T
R
&'
W
'
R
$
Z

R
%
R
''
W


W
@
R
@
Z
'
W
&@
W
$%
R
<T
Z

W
'%
R
'
W
@'
Z
&T
R
T
W
$@@
V
%
R


T
R

Trách nhiệm của người tiêu dùng
wTự bảo vệ mình trong tiêu dùng
4'
R
&&
W
B
V
'K'
Z

R
U'
V

R
%
W
&&6
W

Z
(&
R
9:;5&&
67>+&0!-.0 &0&67>'$6#2x
!&0j*6y)%+<=62>'$6#2$

PT&67>'$6#2@&LT&5$+&*&
1u2$@&L?$<Pf3' 
OA
H/!-.0  5&&67.&e5&&67T
+&9>P&L)&67$)0<&'!h$-&L!'g
!h$%&$0<&$PT(+<=62_^&'+
Q .&S&+.$M$%&<.S"$5&&'<=62$-.
$>+%$#'N2/_;"D&*&+&DD$D
'-0-'&5n.&1$N6y3'-+<z*
6y<=62Dx'+QT0'1.&{+
<=62/.-.?'_;>&5&&67.&
>&/-&LP&L"#/h#Q'<
PT/eD&&2-#k'
`&
R
'$
Z

Z

R
-'
V

R
Y
W

V
'%

W
&&6
W
l&
R
;'@X
W

''$&)5&&67f'5%$QPT-&L()3' 
P&&'+<.h+$6#245&&'6&$6
&LT&)$&)&67&0.*P&Q
-jPm+O'-+&0*&+T$&+&0#'
%PT)-&L >() $>+&0 $ '#
:|LA':-"&Ae&)P.OH@PT
N(.3'T+&+62$)$q(.3'
5&P}-'"$g&6;*"$;*(L#$5&
&6
W
NPmT
W
+ $3:0-AT&
wNâng cao kiến thức về tiêu dùng
;)&67@
W
'
V
&%
R
@'$%
W

&&6
W
'
V
&jm
L&0g%&0$M&0>?/'<>'
2213'-.@$&' '
W

V
'T
V

Z
4
&$1T%
W
&&6
W
6&LT&)>'Q6
P&LP>P,g>'v/'PTjm&)L
"<.h$>'
;%
W
&&6
W
'
V
&
R

@'P&
Z

Z

V
'-'
V
@
V
-'
V

R
Y
Z

Y
W
$&'Y
W
'
W
T
V

Z

V
'Y

W
P
V
&
X
'
W
&'
V
$'
W
'
Z
&$'
W

P
Z
@
Z
%
R
H
V
'
Z
''
V
&
X

'
W

Z
'$6&
R

R
PT
T
Z
$%
W
&&6
W
%
Z

Z
'
V
&,
Z

X
T&
W
<'
V
@

V
$
6&
R

R
'
W
Y
W
&
R
<
V
6
R
$T@
R
@
R
T&
W
<'
V
@
V
$'
Z



X
<'
V
@
V
'
R
&
Z
<
Z
P
V
$,
R
-&
R
'
W
@
Z

W
%
R


R
@
V

@
W
'
V
&%
R

R

R
'$SS
Z
P
X
%
Z
P&<
V
6
R

%
R
&Y
Z

V
'%
W
&&6

W
@
Z
6X-&
R
T
V
%$+&L
''PT$&.+&$PT
&h$"0<&+6#2&L'$&+
.-"m$&()<e?0$l")&+.'
3'+6#2&?$-.&/$@lY
W
@
R
$P&
Z
-@
Z

Z
@
Z

W
Y
W
'
W
'

V
%
V

Z
<
Z
P
V
$%
R
&Y
Z

V
'Y
W
$
V
'&'Y
W
Y
W
$5&
&67'
V
&P&L&'
Z
%('
Z

,
wPhát hiện, tố cáo hành vi gian dối trong kinh doanh
4'
R
&&
W
CK'
Z

R
U'
V

R
%
W
&&6
W

Z
(&
R
9:;5&&67
>+&0+&0$D++&&'6D&)&h$
5$"$M&0>'$&+.+&k'6D&P+
3'$+@<.S"$P&6'>'$6#2$@&0&
 O(#3'+A
Kq$D&.$P|"PTN+&03'
+%(',$?()#'%q3'.5&&
67;5&&67?@3'0&.$P|"

`gk'"&)$k''.&PT%S$?
6g'L<Pf3' ;5&'T.&hg/
P+:thông minhAPT'.&&.$P|"
xO5&$?!'&'+&0$"'*&0>-o
+D&$&j~%(',qk',Q$S=m
&0(.+D&$+&&'%&`%'&L$?
5&&67.&e@D('g/T+"'
q$D0<.S"$-T-+&.$P|"
PL(.'%
* Cảnh báo cho cộng đồng về hàng hóa, dịch vụ không đảm bảo
^&%
W
&&6
W
-&
Z
%
R
'
W

Z
'6&
R

R
'
W
@'
R

&
Z
<
Z
P
V
$

Z
%
R
&Y
Z

V
'Y
W
Y
W
'
X
T-'
Z
'
Z
%('
Z
,'
W
'

V

-'
Z
%
Z
&
X
%
W
&&6
W
S('Y
W
$&
Z

X
%
W
&S
(''
Z
%
R

X
&
R


W
&'
W
Y
W
'
X
,
R
'
V
&
B Sự cần thiết phải bảo vệ quyền lợi người tiêu dùng
4@
Z
'
V

R
&%
W
&
W
@
W
'T
V
&$'-'
Z


V

Z

X
'
W

Z
'$6&
R


R
'
Z

Z
@
W

V
'Y
W
$'
Z

Z
@
W


V
'&'Y
W
$
V
'T
V

Z

Y
W
J
Z

V
@
Z
$5&&67-'O".g&5&$PT@
-&0&+$1$6@$&*&?$#'#SM&$g>Qe".
g&%&9#$TT$7<@$7S'_45&&67>
'&q(L#?
d'
R
P&
Z

V


Z
S'
X
T
R
&$-'
R
('
R
&
X
''
Z
'
W
<'
V

S@
Z
%
Z
&''
W
('
R
&
X
'%
W

&&6
W
'
W
'
W
<'
V
S@
Z
P&6'
'
W

R
%
R

Z
<
Z
T'
V
Y
W
'@
R

Z
@

W

V
'
Z
(
W
'
W
'
Z
&
R

V
'Y
W
$PT
Z
@
W

V
P&
Z

Z

W


R
&,
R
'
W
%
W

'
W
T
R
&
V
T
Z
&('
R
&
X
'
R
%
Z
&'
W
<'
V
S@
Z

P&
6'$%
W
&&6
W

Z
%
V

Z

Z
'
W
&
R
&
W
&
R

W
&U'
R

Z
$
%
W

&&6
W

W
'
Z
%
Z
%<
V
6
R
'
W

Z
'$6&
R

R
&
Z
T
R
''
W
$,
R
-&
R

'
W
T
Z
&%
Z
&
X
'
W

Z
'$6&
R

R
&
Z

Z
'
W
'
W

Z
'$6&
R

R


Z
'
V
%
V

R
&
Z

Z
<
Z
P
V

V
'%
W
&H&
W

'
W
@
R
<
R
'

X
PY
W
'
X
<
R
'
Z
&
V

V
'S'
X
T
R
&
JY
Z
Y
W
@
R
'
W
'
W
,,'&
W

%
Z
'
X
@
R
@
Z
<
R
@
W

&
Z

V
'&
R
-'
V

R
%
W
&&6
W
$
Z
Y

Z
<'
Z
T
R
'
Z
(
W

V
'
%
W
&&6
W
'
W

Z
'
Z
-&
R
'
Z
T
Z
'
R

&'
R
6
R

V
''
Z
'
W
<'
V
S@
Z

P&6'
•
V
l&
R
;'$%
W
&P
W
P
Z
'
R

Z

'@
R
$'
Z
@
W
&
Z

Z


V
'%
W
&&6
W

W
%
R
'
W
%
Z
@T
Z
&T('
R
T

Z

&
Z
d''&%&,T
V
&%
Z
&$%
Z
'
V
'
R

W

W
P&
Z
@
R

'
W
%
Z
P
Z
'

R

Z
'@
R
<'%
Z
&
R
%
W

Z
<
R
&
W

&
Z

V
''
W
%
Z
J
X

W


Z
$('
R
'-'
Z
$&'6&
R
&
X
'T
R
-'
W

X
%
W
&-
V
&
W
'''
W

Z
'$6&
R

R


V

R

R
<&'
R
$&
6
W
'
Z
@$&'Y
W
$T
V

Z
'
X

W
-%
Z
Y
W
'
W
'

W
'
Z
&
V

Trong nền kinh tế thị trường, ngươ
̀
i tiêu du
̀
ng luôn có các điểm bất lợi sau9
I l'&q3'<.S"Tf'&%<*&'&q&67$P/.
r&5&j'
I `<.S" $&67 @+^L(.<.
S"+&'$q%
W
&&6
W
N'&06
I J+T&L*&%
W
&&6
W
$"&+."5
PT13'-#->|
I l'&q3'%
W
&&6
W
?&%<*&+&m

I €T&P&&0'PT13>/'+ P'&L
&.$@&0&%
W
&&6
W

I •L)P&L3'+6'&0>/+'+?<+
>&g4&%
W
&&6
W
.&.&)+&?>$('
<.h%
W
&&6
W
.&.&)+D&?
 ‚
I ƒD<.S"-+T*D4P&
>+-.0%
W
&&6
W
N"L)<D

4%
Z
&
R
%

W
$%
W
&&6
W

Z
&
W
<
R

R
'
R

W
'
W


Z
'$6&
R

R
%T
W
%
W

&'
R
&
Z
%
Z
%<=62>'$
6#2&L'$PT'
R
&@
V
$,
R
-&
R
'
W

R
@
V
$
X
@
V
$6%
R
@
V
HT

W
%
W
&$#5S"&0&)&.$
+&$PT+$PT{ODS"<
`&
R
'%
Z
''-%
Z
'
W
%
W
&P
W
T
R
&@
R
$'
Z
'
R
&'
W

Z
'

W
%
Z
'
W
&%
R
@
R
P@
V
'
W
%
Z
@
Z
&
W
H'<T
Z
'
Z
T
%
Z
'
W
&@
W

'
W
%
Z
'
W
'
X
6@
W
<'
V
S@
Z
&&
Z
$
&
R
'
R
&$
Z
P&&
R
('
V

Z
4&$

Z
T
R
-T
R
@
R

V
T
R
<T
Z
T-&
Z
l&
R
;''
W
%&&'
V
&(
Z
'
W
T
W
P$,
Z
'

Z
'
Z
6@

W
T
R
'
R
@
R
'
W
'
Z
%
V
l&
R
;',
R
&
Z
'
W
'
Z
&


Z
&
Z
&
R
@@
W
@X%
W
&&6
W
\T
R
<T
Z
T
X
'@
W

T
Z
'
W
<'
V
S@
Z

V

'
V
-'
V
@
Z
%
R
<'
V
@
V
$6&
R

R
Y
W
'
R
&&'
W


X
P'
V
&Y
Z
PT

V
T
W
'
Z
&
Z
6&
R
('
V
'
Z
$&
Z
&
R
^
Z
('
V
'
W
&
W
%
W
%
R
Y

Z
%
W
&&6
W
'
W
'
R
@
V
''
Z
&
Z

6&
R
('
V
'
Z
@
W
T
R
&
Z
Y
Z

S'
Z
'
W

Z

Z
<'&
R
'
W

\,
R
P'
Z
$&
R
'
W
S@
Z
&
R
T
R
<T
Z
Y

W

Z
P&6'%
Z
&9-'
Z

'
W
'@
Z
$P&6'(''
R
$-'
Z
'
W
'
R
&'
W
;&
W
'
W
P&6'
%
R
&6

R
<
R
&
Z
&
V
-&
Z

V
'%
W
&6@
W

X
Y
W

Z
P&6''
W


V
P&
Z
%
R

&lY
Z
6
R
T
Z
&%
Z
&Y
W

Z
-'
Z
'
W
'@
Z
-@
Z
Y
Z
$%
W
&%
R


V
6

R
'
W
'
R
%
Z
&-'
Z
'
W
'@
Z

Z

V
-&
R

W
'-,
W
&
W
&

Z
9-&
R

@
W
T
Z
'&''
V
&
Z
T
R
P'
V
,
R

R
%
Z
$'
V
&
'T
R
<T
Z
%
R
'
W


Z
'-'@
W
,
R
'
V
&'
V
T
R
P'
V
&
W

V
%
R

(
W
'&''
W
'
R
%
Z
&-'
Z

'
W
'@
Z
aY
Z
6
R

V
'T-'
Z

'
Z

R
TS$TP&6'<'
V
@
V

Z
,c
4
W
P&
Z
&
R

%
W
$&
R
%
W

V

Z
6%
W
&&6
W
&
W

&
Z
;%
W
&&6
W

Z
'
V
%
V
%

Z

Z

X
(
Z
<'
Z

W
P&
Z
$
6
W
'
W

V
'P
R
'
W
%
Z
'
V
'P
R

@;%
W
&&6
W

X

'
W
T
Z
&%
R
&
R
'
V
%
V
&
W
@
Z

V
''
Z
(
Z
&

R

W
P&
Z
U'
V


R
%
W
&&6
W

W
'
W
T
R
'
R
T
R
,
W

R
&
R

T-,
W
S'
X
T
R
&$
6@
V
$,&$T
W
%
W
&
X
,
W
S@6
R
T
R

W
P&
Z
-
W


X

^&
W
P&
Z
'
W
'
Z
&
V
Y
W
@
Z

W
-'
V

R
(
W
%
R
&%
W
&&
6
W
'

W
%
V
@
W
&
Z

;&'$")-.05&&67
W
P+*&vD&*&*'$
 q&)5&&67'!<!&/L()&
+&03' 