ࡱ> SPQRnq-W ?pZPNG  IHDRsxYfPLTE!!)19B)19B)!-.9B 9= !"!#!! 5)) !!&&5 9795-&+!!-!9%1 -933)!1)))))1))9JRZJRJRJRRBJF!F!BJRRRBJO#H)R!R#G!)B#!L+J))J1N@MckZZcZZ]c]^^^\)a"*^s{so s!tq/s !5(18<<1'Y7@Y))s5%t9>l3<{TE7VBXXbMymIQDsQ[togoxq/4F8:4<5?UQZHULZaM\gsZuqbba`l}lwPxlw{m{qzˈ˗Єʑȟɜ˪ʷȭմZ_xe_xʳ"[tRNSS%bKGDH IDATx{kpUיʜ:g]Jt3vdq2>k~t]tR8qU˷ ]DB\ YF $$ ;~H61MB2%H U;LWOM s?Z/}}vM. #4&ơ*ZIiҚFRaHљF mZh1J8C/ILJ3"KI+r6D'T*dhXmLjN0` p-)M1J1qL@5A:BQbNSm1Lĺ$.JqA.H'~Qbn3R:4*RkWAbd儃BsHEh7a 6 cdS6R%H^L-2ZZbfRD'ʦR;`X\1!z1ДIcDȆ1e) :.q> !2- J?l\#RcӴ o,'JRG0 ; L!SHLVf21l@`~Hx>]P,<- rc-w0e_>Φ6(`c,&&a Wt؅KN18b˲iK B 8 yB2l-T+ {;W/F07,t$Nbřtq$'96D(jei<4t),CkKFQcXSac ?˖t-\L͸Vs=J4lb&NVq~E>)'  CFw` Ϫcs !1|wf uWhؖp\`/ŐE29g MHoOcrxcrIŠt|(/ Xws*;z\p\ QD\doÛ`{<+"N6my*@L:2$,)_"CBz7Pji7&U!.uMECP wB8k*<;󪃩 vD*<4@&8'-Fe$X T a4)YZMAl m.r ^x{XۗÏZV>\'EvyoeMaCo:v7AJ\_8jwFY .^=&RYMJp)}xP)DxK H@̭n 6aR=>< C=+N! 1Xg=%Z%R{1f D:v֖ tkd<{  -^Ӟ#}Y-|ӿQC P5爰,C­ x.T:A`0 a )Vlu}KNEӽ7 `-݅Ըpt'g߲ TBxJ} nOm6X[sXr4 $p~B&Mn_f@.g+2P ^C2U zD&M B-ؾ"Igc7k0ܗޞQVֶ[Y߁NƤ2-mXnxe|' ]dC:F~1TY~=smy.h R- AuLW$iĄ/S{2Ľk׾ФLMnǁit'V. l&G'pkY:U rN V.jRh   9߸ jůJfMz`Q"LK-b HQin Mëƶapc aV@Yyep@s+]Aƀ&-dWN2py. x6R:8²c=m-7ծ3};)$_L~c62b~/u痯_yա\yD^>_hͽU=0g'*~]p910268X#v1';G82:8681=62:cH۳m;Fy6Ɔv>v>&!B%׿W/g[rhw.5qмԲzkcKCTjjAyu{sCR[[ ͍妵]{{t3v7ܶqkc~[c mwwok !jH'CVYɐnN3a{ɴB*xbɴ&3J^c~ $ކy/Aؘ*?I'])0L! I0$HU֦^vSSR/nvD5M}B;t7FF>`naT~x`\[հGQ]K.Ο]`J̝J3_[s|G/LAr4ֹw޺k;&I >p^ΛΞm}g<=Zco0KBdbl{iժn֬|_WZ{+Hb?z;lusVmjz+QJ1p7EAcյM]k]um =@,0ς ' Q05pM3ILy8|  !}l,l}brfv {;o򅽇fwxɣٙ_ٙteӳa7{XNfhv: .;u) uF[.w [-}厖rr2:^QRk(㬼yurogoc3l/7?c{`G{rx.5l(/TpY&!c_ӳL%?QN>ɡg` Rn]YS4 rE!4M41#I`RVҥo d\<<$9~"0F]BQd; pƂ^J ;-m6v I:ڟqzP.(`BBV[1I"Sp\BP "^eVnBftQqAq&+'k, $q :1 !vWcv[{buS>ܰՋܛ E1`9KYU2JM'_/9ˆ4pwEŋ*j D(ʶ^pWN֎E/l=rsRei\L"!Sb1ϧ7[4B|6.K 2vyݵE.܏W`=9mca!d u,"hL4ؤ:[[hz?ʼn,xʝw3SE+5bȟ͉QkuH *Q9MfX/x(ZXhq~Tfm_ ~ETC_;C ˡŸA"0WVgWO,n#7 ^-QFS~K>M۪M>z] F\ hiu 6Xb m28~;ةF8+pSf 68-kr:8` @cS걐,;Iac_U'zS`OZ7kt]װخye@RJۓllBDD<2G`h1Dl3>;gBB*wa DHhn4200##l9ɑnyf ~FFq+#[FV.3[#O8%۸4n.79:xgT⍉*ixh/=np0塆(G0e.?wr!YTH(2KpS0@Q@E.Y q{ `j*I`rX7KƢ>*8#Șg-OHPG^ ֮Tr"$juu'!hD%ZY> D5a9[x1a5_uJ=ݟg&+9 ;+9l!L( >\P,Y>J.zV-lQ$ d%IcxE8TD0Diz)¢3X!gPvϼEoj h0-hBq`+!fbP2gdv.fJr|,:KUA 0h! !+>@mB2bq,E@0Z`T) 11ٔ,R 5&LB{.uX״xCm{|ztVw|׉~xqFRl﬜ i2Z":f%vି+߅)'̐i^YiZ/{qc ~^+j~CePHWk*?X&SHC7Tf#sxw9_K=nћ^j<~,.œ~H{hv~ӿ{q7u sPE Zǐ5JĨ+pJ}F:B^O!zNP*_X+HCR.3zFüY>M)|Ӯ_k{k;ʡpg1Ȯ%bW3~ T}:vgV rI8c~7<ͣsCjV\YۀS3m^y \GDtootO3OG5Q~"r)ep_ۈ?}Wp/ `;P I+@Չ\ M"jY0U -gUl7oVQ?:'Y05Fi 1 Rjm(_%y)y"S1 H(` K#C4 U63̒:_/H2H#eɕ#ee4(10 $b~BUIDAT::[r2\!QgPy`[gGg{2X؎65v0[k/ۇ6vn`N_`:~ʽm}ۻ[5sZ&f|2Q 3):Hdua&g-{xOV|eyrʡ}С Z<8v+%;I%&#>51e xVYؐ`ь'uLө%FLԪEԛ(p`.5WG0 _td8\m\dv ZhBfBZٜ$=IMHVHʑ"|@Z ቉JK Ez]p{hR٘,!.8s) c/# 2f|r`є5|cMӇXs> Zi?.wxCg|w Ju`ANs~{?dUӡ g-1 }v]{MR=X?sC<6$q˨'? PS~Xwu*3E:7v<&j߀HWЄy.㠆&71(W0hdXƿ4!|7M|P[֘mUcѤ eUdz,!a_9R1ez7s9:'~l#Bo%cReQI=it  1HwaZZm_|k?\@0 }q4"u^O&@:i\ϯ JSl¤uLJ/9Ү,|[[^4z+vF%A-m6z,LSPE÷)K_C&^ D2Y(+iNEYjZ,11"ܡ_㍗iiG^_N]0@`R\F>=> ;Ϯ4!/=)XV4OnnGZ('CZP y\u~s?7|I3ɹ;ǁ\uxt O<:rXCSz^Vg[1,KRX"ǐwBjo^Y1hkѳ+gd/U HsM@< + Z`B>0R NwCrpe0-MFJC3a6XV1J LY[6d=9BAѼ#F#!ٞ{_ iPVٍ/5U`K[`>CX K*Uv60j9uFLӆ~\p,rau0m?YC!(L6r!|o΃K10+x_q)K )`QwJ _Ei'̠A,߄Ș `V. YD DI/~`y\? AaU -Jy,!0Df% xq"[]xI2hsyUqY@=!h5ܔTluc]gy- Kz[&$WOnI>ˉ%JPci+PF1:.XDo!D8~`l]H6Jl&8T=(`&a{I7L1rT-nT2>K犌3``XCC̔KCX%8 hAh&`{c~xjE̥TڈX3w2|&21[UF0`{Fv<092606|ȎQ^[p6060<9+F۞mۅ'F:iť](=#v tplrE-vol?NQPIENDB`@=׾ԏRhFš74+2 vGBx[lTE].6X[ZM6$!Z% -ŕH#i?*)%>?61"*!hL_"D$;ӝ;Zɹ83gΜ̙;fIe? P^WAu8P ]}Pq!^$ ԯZ‹2">ʻ|6^O|6Ox}@[@c 9H}YQ |k3hޢGkd73J07ޞvxőLԶYHj>dbZt18=SB-Ûi1/Lcւ ؑOĠq4Sm* ,'[ۄbvDe_Q ]w;J&*a/x67az`3(k!'8`U=h:\teGMs=l7lth,"4NO3AZCEIe0"_@xے_@ wz Onob\k9x(SSW-Ir+RޏK,luyLlV6~ -6[K~24,dMOq*ƊOv15or03Z2q `zfyS7v~ӏ1-^k'a V \ED OqE9;[ǚ圚9uha>tܩg1Xt\qp7iD1w\?!Kcl;㝯_1231,T~y^u,p~\}8kg~Ώi:`0M3c~YJ#ںu+ 7X1Jl,p^.TNF+p>dٗp?P_q;ݜ~}ЯokuAֆXŏl܃o{"}5lbۡ6F؄X2aEݪ(ljBoiyޔ|)5:$ ɇV|кC;D%?Df7!6R^{]vvG} ;Ffwaf}[Wpõ<ٝ}Rָaⴇ=DQגmEy Ҝ=6Echh_*|',剦 trwb /bz".p.~T0k8z#k58̿1c,ך[vm vh'aIq=R Y$IqЁvN 618!oـ -L=1Şd 9]k>#S[8 kb.@=>ގ0<Op|/v@ xY]hU>wv7Ɇ4YZS$l`l$UT-?}j-FSM<>hQHK@PT PA`DZl$~gٻ$.prι~wfAބ!"t(uQǦ훉M^G"B6 (FFHۑO@94gCamەRvƽ|>$ZS7tf=]4K^~Ɛlߵe'5lܦ*qV*خ|>Ou~nyU'U͗kcGl>̾wB*:4ubsWCމP1IKID5057S46\Xʤ[SΚKGNX"njr9[vLcx.unv?Z!_y//߭㠌<޵]Ri[nM@uZr=o}aY)OhQ^-'lWn tz"?N"?jxxk ^&ws\O#}҇MtV6~!|pw7D?F6ofKlcZ#7d ϕB^WBuH98@=,{&LV3!7I op>x[klE>GJ  BKynъBC A MQ~?L&@cT RQ`bLQp=gv޻{ns23{fϜ33;{OD*A 0 H^^OKjM.|~\y?X6HH(n>ӱ^d}|cH ﬘7 qqzʐH,ފY1HI66an+ 6 "~%Hɚ*D&-HŢNS9i,ҬT߄׽b.%cco@+?SduV-vh~֋ƬWJ?P{Df*:!b؋u4?̀'F[A'ޟ7"JJ#SJ#$;xܦk> Lvgp_p(津A'%M j ^2\1Nr{=o@jo!o}v!! Bj}vAN6m$̱iu$Zh #%тm"X/9'hWUP ۣ,eD6#i ̔|$ߗfl&Ri;XPl~l,ʩ? ܶͭXPl/3[Md2Ni~ر@~~R7y3lv@m!lQl'{8l[iN{`S?|Dv]6~jm;Lރxf=1?1:j$[]=_V=CŽ>wPߓ{ I*߯k6ep5~oM>6}h$﬇!+;I& c;3ÄiHH!} 3u:\7"m=-pߩ:Hhܣaj[ZPB1܎x[}lE-bІrR|B R( # %JA  -5C1RC! 4MIC&1H\{{yٙyoonRR4\KR Phb@<:P.|tt@0  MeعYHZօ(D}A}W0WGE(C)0kU I6Vi%!jmӑ`ݐ"2rRvmø/%ccF(*?SfJ[Όsly9QQ eU&>mT{4Ӻr 4@eN| xIzJY!k"&;EIV+f`=hKXjĘx7Ho>!KˁeK=poZERٓrW>ǘ8i@c.sK*vcPяj@Q?@?z89~-$cUY^:d|}%Ǥ_%"z#-3]<& (v4l+wܶnzXP.4M]Γm~gŵ5-G6?((3+?Iˤ3ĬS-Qq_6D>t  Ft"h>r$qWSZK~*Rٍ'/tiA[]6"f.._2kUjaY+Ɵs:Fץ}(~NI=2)ĎtԴ)̲iQ̴Io~M߬c(ĚMw-_K륥Q>)>>~B7ZXnOuEN6XG5m=։B짺[bCggw/<K~S?܆% D!VbR[EN6퍒dwI!6$1~Wq~Bd;2)ԖnѶ͵x?+ިb(Mu-߈wZĝ Hzcu`t,]{[3B?ẒOe_ȹr0֓DuQ|f2 ӻO !cd~oU VOV~X/ ߡ( _{_8:ƾQ+e8֢Z4]?PèjEJ"#}V("9`6k@&3N,?{/ϓ~ᅭ5{eorQ2 e&4AK[oia8}ǬFƁ99)Dcyiw׭~Ь%@lޅu6e7 c^ 9DR8P;xikn`nZ| xAj~7x>e>hsM>hI([nop]:cjq x OfꥭW0)( |ws>p`}K[|pe>68xJ: ŏ>ņ'-iqbWceB$ftM.E9ab)n Y~5F~ %6GϱB~`mt1gf:?_O17pGlq5˯7ȯr! . Y_Ct^ +7^e֙e9u|9c.YHbjK떼zXg%?>O:תXiܩʙ:&|K~8AԳQ>q{\ޢsqζo$/I󣕟\ɍ|n~G4,!3pt3w2vg0vcv s=zc,f bcҗ3:cFs|*&0F8aY[Zfa ֲD0V2h3\ccF 3N{cTkc a4VzV:K=ㄱ9Ɔka,W0J덱\-LIG{cMTuLBoB=;FYb+ŝRa}㿳? e:?IT 4@=cS!11DL9vp>hx[]lTE>sw+mU(h-Gh<Z WFID˦h] P\&J/FL#1ibBLH|@- }b0&4(!zܙٹ?{{mNw枻g͝ޝepq3z{n5@m[Ws2@{xn! Ϣa O4#-(FF. "\AUU.2x0%.fU`)vm!ڶwB!0 ̅>%ʃ0KDeh"8wX|s6ԶwbT^m*.fh8u/jsWRB `·!\8e}w~ScʸMSJx;1 1a`.yr.rˋh`.\ӭua]Q9YNTiDc-ϥoB9|tbC3dOĘ}XO$w` GzX2? Vb$X?-1|bv)ׯP;j/񖘆E]ӰƁ!bW'k]8~fǮL,캱NVqv"]qpZE1vv 8roh냶X(Tb: c?scu.ǯp۱C"7oǎw MbX'sܨ,C.X܉XX{NAWoQS2{ଷTIRkr??揁]sчR?RX_cgR34o8vF^Tt/R{i uƘƞ*CF[|PM&}4jՃEqC)~s̨~eݣ _3sCiy Vx }xP+xpd_[1~yKǃȄ)k'S KǃȄEM ;ȾnxLv_G+ԃV?X> `9+i~0BȧV VxvpVr0{ڳ JZDh}jeB+lw |iwȘ 1ȾV'G>B gB/P9.8< US0ay'v߻Oǃ5B N5bѤ|3.JQhsO#A#<&N#4Oi `j+`|jmJ*/z`>x?O > ߩu[_4'}K~lS'R\]CJ_~Pz&=ML,&j[O^ov_ŗpZ u=D_n.kgn|feV1 Lvq qY&Y 6 ޖMhkQlo^ģh 3v/ˣ=rǶڏ(+dEȞ bvr&}/z/O})=^{xXJ;|ڌN{Jw5(Oq3u(]hkJŘz]#v@4@!̋cy2O3_y,Ou,1kXɷ2{z:?ʽ˂{iݰs^u" p }L>tOGHI>\u۳H 9Ik|Xs|3nxZoLE !BID9'&6%X@DC&6)`(\FcO^T*jԘ@vgfݽRY4}ͼ7fnӈrD+i`? PݵwƐ^c 8]-xOd9T#]=ʕ/ChesC5q9ߎL^YJtl4#vx!nFw/ݳGCulD 2lt: yFD˶!5iw76GԑeȲ{>ODt0<ևd {TRʴ7]JFa2 7E}Lu(¹؅^|Gt FyzG]]ހ騉i݄e/]\'#3)NU~[%,8ֆ7"!3wal9o.B7lrA@|u'0Qy>6Gc"aD >N#2"}~+R>H ;Pu9؍ug҅u9Ǭx@>[bǃ{??㉐˱iG} 2tR=9Ȍ)|`"ŦLdԦϬ6umǰ,cX&ؘe_sߏ9LZ6eBˁnߎLG]2!M/-ljrcæ¦TOF6{VI}o!eڏusڎlA\ϲj"fMDr,wZ˄KHзNۑ(|,nT2!FML󉡌mٖ]-W]-Q$C~k_9f,x< 1[VzL" >лa"CAdǜ}Iߩ9;5'Xwҋle{xf(>c f`z(J'Ahݧ!>w@3Nb׷kO^k`zu>Bo+y] XG N?4??hFԱ~\cVZמkOX0PAhC+8a|-A?c1= y?pla{%،8}8̶Һ+E3Ӵ2 ncI:gN&ą3~k\hMauq^-kZo C?ѧ˨v%_2 x\[EUՀ>T +(",++#YQ $0F$5P7Q#fUc45+YńcԘc{퍙!sVSէ{Ih<ơo-Aq` 88~ a &47Uخ]B;;CJÔ9.cyܸALB[pZ׵&њ"\].p.֢t /D; mjbؾ9nn{%}qV*NMp!=y /HLhfoq ٫>mX&ڭLЏ챉ə,~anPGwwI , 2gGZ`sKH5hE7sܲy=wlf\;k9"q-E:>ʈu> W(2K3G&6ۼ)c|wobqO#.8_ydp;miα|)'ǀi:[8`k!\j\&>E4.1Yh\>b@P>,Zap4|y|mV3u;}sB9|$s'&qɎJ+$ɨOgsxEx?mw)46$cM">mmLX''/}=X'r'o6znS@܎j2v>FV;`7ge~F-;`7n{ٰo 옃ݠ+cG`d}*v~p10, vtɍ0#춉2v6AVQ=yn~3® nA-z~3(cGd?'ǎ0#v2vnA'z"b $wtɍ0#H?GVQ=yn~i:pxd?'ǎ0;pxd?'ǎ0 v[#Q=,ɼ{5Ҿ^6WEyG8tm=' vC~ 狀~?m?k򷵿~/`;w;Õ0][vQJ:8~N a_p .nF{mC03&$3>gL?t2u^qT+oJsvm`@e -ngt?;g{}]}}m/~xB^}wߪ8!B6 0 60 g.@:3u_ǂZD. %F'r xM@xZ]lE>X~Jmڂ`/R@J)B@(p4R1`!}"Є@b0iu!KmĄ`$`1;;w]̙=|g~v28@6@鋝 (ƅH0L٨ KPD P 1]J ۅHʺK6Kus饨Ce\jcqv_"3"Ĵ{)ke=z Kz;ښ8nS*:SAqBay|Vj5*]Z:JbE蓣 lh,?'xދX#QP=$ʓ֐1CMC~ӐCc{ y!o3qC/0fqqJҶIV6%q4I㓘/ Sϣ/ܯT/X}"s1%}kIcN_A+x~.SoL'޻yF+TY)ټY=z[aCxG{i}?JVß.H~ :,<,m3O?&NJΓSoQx:].~<)T$?tn{=0ܔ yk~x|Q~vw?{Όo7f]+ez3ۆavc}&YwcSQ;u:]6r _%oίb 5~(o&k4?X'HS/mg3wAH23-wVٻ~qGτ]nkqw΅,7YqG ݘv)Vƞ_Mg Zy3'T73fb Wٷ$YuI 8O}27|[M3Z7wM,j :QmMm.2iT>ci,Μn9@=?!>n0B/H[<W |> xYOL\E.SZM[j"eЦam uO7=H6NV41m`cS jclh`Cԃ&'cH7f`vxvIEyɗ73o~ߟyˈCc:9FO=v@.aj~_E_p~}Slfއtؗ{vqrGf^//|WhDnmYXٲG(# }SQJ=mI>eBHm0k0*XZ<\i/cIrO"XvȼWͦR u>AmYj٪HZ9:^).ZYn ϋ&py@GdpykVrc䐾n6G]?ߢ=sT|yt@&i%che1!-¦b3ۦfg;IQqb+~6:( ^"0 EDE!M,s|¯dVkr6$$j+֐ŸnpKg*c%.Q6gq)s's2O!=cy5uYc^mytA^jQM{/5W UC?jG }G }V=;RM.1w }%,Y+Y?a' =ao3-S}-} i;Ew8W'Z.Jţ|^F_`p/ȷ'oV}=سTs~xOeP!=J.ÈwŦ!6}'f׹Żr8CXr!D;lfӦg1 gޟA_ oYv~qVtqx&}ȦMw1"DqG=F.}+is6)_~,":-yyʈ15gN󀁩tV*mOc9_]4Γ/uŸSWI2T~cFM*b~qO:#ڝ~E 1U+rGz&!A֍i1ڇ}Ҏ#~'u^s='|jJwϗz:I2"9;OkSH>1y7yw ے?G'|w>zV|y͟߆,ۮO6+]|]7APn9L 4F~Pewnj~J.&/""ݐ~@˼ZN >q>̭Z/W3X[(7ޞM@=vOZ@R|>UAI@bxXMHTQ>wޘ&er0j -W1",5,,ZT`H‚~V e)UHh妁[eBIEޙ;7/&7sw"lIAPύ:DD`P%Ed6i!í#fn"q0:,u4FվmlkGQjMm%N |qΓ@DӎPʳ."]pr?hfMqi.?6܌y~0EmSn?_ ڌ.Իv6~O1:+7]c='tux!|1 Ag[FB2ݙY{^qزeo1-}L{a3ai4 84u7yga*W~dLqtt-T>~m`(!]ƑOղ-ϟ(xL1A>6t{V,mg k!cz XLR~L-iC!b+{EI[~Xi=ƅOLk,Zd|S\~/ZeR_\lzcX( 2  \uwww.ebri.org(http://www.ebri.org/ Chart MSGraph.Chart.804Microsoft Graph 2000 Chartc% Chart MSGraph.Chart.804Microsoft Graph 2000 Chart> Chart MSGraph.Chart.80*Microsoft Graph ChartZY Chart MSGraph.Chart.804Microsoft Graph 2000 Chart^ Chart MSGraph.Chart.80*Microsoft Graph Charttp Chart MSGraph.Chart.80*Microsoft Graph Chartwq Chart MSGraph.Chart.80*Microsoft Graph Chart|u Chart MSGraph.Chart.80*Microsoft Graph Charty Chart MSGraph.Chart.80*Microsoft Graph Chart| Chart MSGraph.Chart.80*Microsoft Graph Chart/ 0DTimes New RomanttFax: 0DArialNew RomanttFax: 0" DHelvNew RomanttFax: 0@ .  @n?" dd@  @@``_x,whoosh.wav.WAV 10103RIFFWAVEfmt ++data~~~~~~~~~~~~~~~~~~~~~~~~~~~|||~~~~~zvtvxz|~zvrnlrv||vtrpptz~|xvtv|~~zxvvvz|~xrlhntzzvrrpprrx~|j[QU_|bICCYn[ICY~zlnh]_r|]SUSSjz|x__l~v_]drnUb|nfd_]d]5=rrnj]jz~lMldrx[[_f|YQfWK_xh[zx[CIjzxxdSQz|_fI9WӹM;QnvK;OUx~xj]]YS~ɵlM?plM;CGpٵ[)Kh|% %;xtKQS]ɖbGr|lSnvz~nfS[nëx;Az=+AYݻ|=/1r_ ?|潄W5/Czãf)/pvbMQr|O=OtjdhjlG?G_ɊK3לdQCMppW;1SŷAMz/#?bx͖SAM[hvhYp~~zrvt[]ptWOUtxxd]v~vvxzd_xzh_nrSQltbdp~_lrQ_l][tf]W]~hWfp|fWhnhbU[hzlSCWbYbnxpdhjvjM9Ot]GQ[dpp~hhhdpx~xh]Yntnrp]dlvjQMb|vdjpzxzztljr||_[r~~jb_j|z|xpp~~v]Wh||zx|x|zzndhpxr]Yfntzjl|z||~vppnrzphrxz|~|xtrjjtv~~vz|z||xrrv~xrprtz|||vzxvx|xtx~~~~~~~zxxxx|zxz~~~rrz~|xz~~|vtx|zxz|~~~||zx|||~~zz|zz~~~~|~~||~~||zz|~||z~~~~zxzz|~~~~|~~~|~||~~~~~~~~~~~~~|||~~~~~~~~~~~~~||~~||~||~~~~|||~~~~||||~~~~~~||||~~~~~~~~~~~|~~~~|zz~~~~~~~||||~~||~~~~~|||~~~~~|||~|~|~~~~|z|~~~~~~~|||~~~~~~~~||~~~~~~~~0WHOOSH.WAV.WAV 40103RIFFWAVEfmt ++data~~~~~~~~~~~~~~~~~~~~~~~~~~~|||~~~~~zvtvxz|~zvrnlrv||vtrpptz~|xvtv|~~zxvvvz|~xrlhntzzvrrpprrx~|j[QU_|bICCYn[ICY~zlnh]_r|]SUSSjz|x__l~v_]drnUb|nfd_]d]5=rrnj]jz~lMldrx[[_f|YQfWK_xh[zx[CIjzxxdSQz|_fI9WӹM;QnvK;OUx~xj]]YS~ɵlM?plM;CGpٵ[)Kh|% %;xtKQS]ɖbGr|lSnvz~nfS[nëx;Az=+AYݻ|=/1r_ ?|潄W5/Czãf)/pvbMQr|O=OtjdhjlG?G_ɊK3לdQCMppW;1SŷAMz/#?bx͖SAM[hvhYp~~zrvt[]ptWOUtxxd]v~vvxzd_xzh_nrSQltbdp~_lrQ_l][tf]W]~hWfp|fWhnhbU[hzlSCWbYbnxpdhjvjM9Ot]GQ[dpp~hhhdpx~xh]Yntnrp]dlvjQMb|vdjpzxzztljr||_[r~~jb_j|z|xpp~~v]Wh||zx|x|zzndhpxr]Yfntzjl|z||~vppnrzphrxz|~|xtrjjtv~~vz|z||xrrv~xrprtz|||vzxvx|xtx~~~~~~~zxxxx|zxz~~~rrz~|xz~~|vtx|zxz|~~~||zx|||~~zz|zz~~~~|~~||~~||zz|~||z~~~~zxzz|~~~~|~~~|~||~~~~~~~~~~~~~|||~~~~~~~~~~~~~||~~||~||~~~~|||~~~~||||~~~~~~||||~~~~~~~~~~~|~~~~|zz~~~~~~~||||~~||~~~~~|||~~~~~|||~|~|~~~~|z|~~~~~~~|||~~~~~~~~||~~~~~~~~O ph P3.+<U         L) 5)A#  & . 6(6(+*$6"()"!C"!$$!#8%"%#"#     DEFGMPUWY[_a1cdefghijklmnopqrstuvw b$W ?pZy-"$׾ԏRhFš7y-"$ގ0<OpFS5"$,{&LV3!:"$ҺHH?i=;U~ptB"$cS!11D9K"$9QbS"$2}v  +L{l Z"$pQZ8حwD 1d"$!>n0B/H[G;l$$$$$$$$$$$$$"$vOZ@R|>Ur <AA(@\ g4;d;d5ax: 0&p@ pp<4!d!d@ 0tFa<4dddd@ 0tFag4 d d5ax: 06pR pp?O ʚ;h+ʚ;<4dd@U 0@j0___PPT10 *___PPT9 z?  O =5DEmployment-Based Health Benefits Among Mid-Sized and Large EmployersEE$ Paul Fronstin, Ph.D. Director, Health Research & Education Program Employee Benefit Research Institute Copyright - Employee Benefit Research Institute Education and Research Fund, 1978-2005. All rights reserved. The information contained herein is not to be construed as an attempt to provide legal, accounting, actuarial, or other such professional advice. Permission to copy or print a personal use copy of this material is hereby granted and brief quotations for the purposes of news reporting and education are permitted. Otherwise, no part of this material may be used or reproduced without permission in writing from EBRI-ERF. B h \IEmployment-Based Coverage is Most Common (Americans Under Age 65 in 2003)(J($(!a YMid-Size and Large Account for Half of Employment-Based Market (Workers Ages 18-64, 2003)(Z?  4'Employee Wage/Health Benefit Trade-Off(($jTypes of Health PlansFFS: Fee-for-service or traditional indemnity coverage. No provider networks, reimbursement based on UCR. HMO: Owns its health care facility and employs providers on a salaried basis. Typically low or no cost sharing, limited provider network. POS: HMO with option for members to use out of network providers. PPO: Panel of providers who individually contract with insurers/employers. Limited network with out of network benefits. Similar to FFS in many respects. Consumer Driven Health Plans (See below)8P2PNP<PPPP)P82N<P)zEnrollment, by Firm Size, 2004(b 4Regulation of employee benefits is two-tiered: ERISA5/($ERISA is the primary regulator of private-sector employee benefit plans. Sets forth standards on reporting and information disclosure, claims appeal procedures, remedies for wrongfully denied benefits, and fiduciary standards. ERISA preempts all state laws that relate to employee benefit plans. ERISA specifically preserve state rights to regulate the  business of insurance <IImHealth Benefit Plan Regulation(Self-funded plans: employer pays for the health care claims of its participants directly out of its own income or assets. Regulated exclusively at the federal level Fully-insured plans: employer pays premiums to purchase a commercial insurance product. Regulated directly at the federal level and indirectly at the state level. State regulation includes mandated benefits, premium taxes, and other regulation of insurance companies.\zZ+ZXZZz+X}`Percentage of Covered Workers in Partially or Fully Self-Funded Plans, by Firm Size, 2000 & 2004aa c CHealth Insurance Portability and Accountability Act of 1996 (HIPAA)DD Created national standards: Portability and access to care Preexisting conditions Discrimination based on health status Timely disclosure regarding information Electronic transmission of health information Rights to privacy Medical savings accounts.ZZd Other Federal Mandates$COBRA (1985) Newborns and Mothers Health Protection Act (1996) Mental Health Parity Act (1996) Post-mastectomy surgery mandate (1998)r#Annual Premiums, by Firm Size, 2004$$$sOffer Rates, by Firm Size, 2004 (t"Coverage Rates, by Firm Size, 2004##(wBPercent of Employers Providing Choice of Plans, by Firm Size, 2004CC$@=Average Annual Deductibles, Employee-Only, by Firm Size, 2004>>${)Hospital Cost Sharing, by Firm Size, 2004**(O:Drug Plan Incentives for PPO, Large Employers, 1998 & 2003;;$PTiered Provider Networks(Hospitals & doctors. Tiers vary with cost & quality. Similar to PPO (in vs. out) Similar to Rx tiers. Cost sharing distinctions Co-payment per hospital day. Coinsurance rate per stay. Overall deductible per stay. j5Z1ZZUZZ51U&Health Reimbursement Arrangement (HRA)''$Employer provided notional account that allows for pre-tax reimbursement of medical expenses. Typically combined with a high-deductible health plan. Employee contributions not permitted.  HRA PrototypeU Health Savings Account (HSA)$:Allows for tax-free accumulation of savings. Tax free contribution. Tax free accumulation. Tax free withdrawals for health care services, COBRA and LTCI premiums, retiree health premiums for Medicare-eligible retirees. Qualified health plan. Self-only: Minimum $1,000 deductible, $5,100 OOP max. Family coverage: Minimum $2,000 deductible, $10,200 OOP max. Contributions Self-only: limited to level of deductible up to $2,650 max. Family coverage: limited to level of deductible up to $5,250 max. Catch-up contributions allowed once age 55 of $1,000. Phased-in by 2009. -ZZZsZZ~Z6ZZ-s~6  bLarge Employer Interest in HSAs: Likelihood of Offering a High-Deductible Health Plan with an HSAcc EBRIv2121 K Street NW, Suite 600 Washington, DC 20037 Phone: 202-659-0670 Fax: 202-775-6312 Fronstin@ebri.org www.ebri.org ,W uX 0iu/= B~ !""  0` ` ̙33` 333MMM` ff3333f` f` f` 3>?" dd@,|?" dd@   " @ ` n?" dd@   @@``PR    @ ` ` p>> p h   (     6 ` " a T Click to edit Master title style! !$  0 ` "D a RClick to edit Master text styles Second level Third level Fourth level Fifth level!     S  0t` "D ` X*  0` "   ` Z*  07` "  ` Z*  <4V`" ~  X  C "A ebri"d  < $`"c    Zfd @f"  <n "cR  ~  Hfvyd @f"d@  H d @ " \    <I "#VC < H  0޽h ? ̙33 EBRI( 0 @<8(  <  < N\ee P#   v* A!!AAbb < Npĕee  #  x* A!!AAbbd < c $ ?B 0  4 < N(Ǖee  @  RClick to edit Master text styles Second level Third level Fourth level Fifth level!     S < Ttԕee P   v* A!!AAbb < Tԕee    x* A!!AAbbH < 0޽hx ? ̙3380___PPT10.T`e#p 0(     Npee P#   v* A!!AAbb  N襥ee  #  x* A!!AAbb  Tee P   v* A!!AAbb  TԶee    x* A!!AAbbH  0޽hx ? ̙3380___PPT10.T7' 0  ` <(  ` ~ ` s *HD  D ~ ` s * D  x D H ` 0޽h ? ԟ{ao  0 @ (   x  c $n`   `   0 BA Z? } Z   0ahD  _-Source: EBRI estimates of the March 2004 CPS.. 2.  0Ĥa :millions 2  H  0޽h ? ̙33  0 ~@ (   x  c $a   a   0 BA ? Ds  a  0\a _ h.Source: EBRI estimates of the March 2004 CPS. / 2.H  0޽h ? ̙33   0 p P(   ~  s *a M  a   0 HA c? S% c a  0`at  i-Satisfied with mix of health benefits and pay .0(2.  0a tA  e)Prefer more health benefits and lower pay *0(2*  0Ta t g+Prefer fewer health benefits and higher pay ,0(2,  0ag `$Don t know/Refused 0(2  00a@<  a/Source: EBRI/MGA 2004 Health Confidence Survey.0 20H  0޽h ? a(y___PPT10Y+D=' D= @B +  0 4 0(  4 x 4 c $\a   a x 4 c $Da D a H 4 0޽h ? ̙33  0 qi| (  | x | c $a   a  | 0 BA ?   a | 0t   S!Source: Kaiser Family Foundation." 2" H | 0޽h ? ̙3380___PPT10.T*N  0 P 0(   x  c $a   a x  c $dz  D a H  0޽h ? ̙330  0 @ 0(  @ x @ c $ٳ     x @ c $ڳ  D   H @ 0޽h ? ̙3380___PPT10.TD  0 qi0 (   x  c $P       0 BA ?      0 D Z S!Source: Kaiser Family Foundation." 2" H  0޽h ? ̙3380___PPT10.T   0 ` 0(   x  c $l     x  c $D  D   H  0޽h ? ̙33  0 p 0(   x  c $     x  c $l  D   H  0޽h ? ̙33   0   PT  (  T x T c $X      l D T  #"D T  <h ?  O$10,046 @`  T  < ?   N$3,678 @`  T  <p ?D  Y200 or More Workers @`  T  < ?  N$9,737 @`  T  < ?   N$3,732 @`  T  <T?D  S 3-199 Workers @` T  <\T?   WFamily Coverage @` T  <D?   ^Employee Only Coverage @` T  <@D?D   P  @`fB T  6o ?D`B T  01 ?D  `B T  01 ?DfB T  6o ?DfB T  6o ?DD`B T  01 ?  `B T  01 ?  fB T  6o ? T 0D @  S!Source: Kaiser Family Foundation." 2" H T 0޽h ? ̙3380___PPT10.TU   0 qip\ (  \ x \ c $      \ 0 BA t? X t   \ 0T@h  S!Source: Kaiser Family Foundation." 2" H \ 0޽h ? ̙3380___PPT10.T@1K  0 qid (  d x d c $D   D  d 0 BA w? m w D d 0D  M S!Source: Kaiser Family Foundation." 2" H d 0޽h ? ̙3380___PPT10.T 5so  0 qil (  l x l c $D   D  l 0 BA |?  | D l 0D@h  S!Source: Kaiser Family Foundation." 2" H l 0޽h ? ̙3380___PPT10.T   0 L0 } (   ~  s *      0 HA ? ]y    0 [!Source: Kaiser Family Foundation." 2!H  0޽h ? 33ff̙ ! 0 0 (   x  c $X    "p Dt 0  #""Dt   <? t N$312 @`   <D.?  t N$685 @`   <t0?D t j"Average Hospital Annual Deductible## @`   <@?  M16% @`   <I?  M18% @`   <S?D  dAverage Hospital Coinsurance @`   <\? 3   N$208 @`   <d? 3  N$279 @`   <@g?D3  !Average Hospital Deductible/Copay"" @`   <x? 3  N200+ @`   <?  3  O3-199 @`   <<|?D 3  R  @`fB   6o ?D`B   01 ?D3 3 `B   01 ?D  `B   01 ?DfB   6o ?DttfB   6o ?DDt`B   01 ?  t`B   01 ?  tfB   6o ?t + 0@`  S!Source: Kaiser Family Foundation." 2" H  0޽h ? ̙3380___PPT10.Te  0 L0 (  (   ~  s *4z    Ft DP   #"&DP   <pT?MP R6%# @`   < ?U M S22%# @`   <d?DMU  p"No Generic or Mail Order Incentive### @`   <ľ?PM R6%# @`   <ȕ?U M R2%# @`   <ҕ?DU M y+Pay difference between generic & brand name,,# @`   <Hە? P R1%# @`   <?U  R1%# @`   <h?D U  `Higher coinsurance# @`   <?3 P  S78%# @`   <?U 3   S32%# @`   < ?D3 U  ]Lower copayment# @`   <?P3  T2003# @`   <?U 3  T1998# @`   <?DU 3  }/Combination of Generic and Mail Order Incentive00# @`fB   6o ?DP`B   01 ?D3 P3 `B   01 ?D P `B   01 ?DP`B   01 ?DMPMfB   6o ?DPfB   6o ?DD`B   01 ?U U `B   01 ?fB   6o ?PP  0+D LSource: Hewitt Associates. 2H  0޽h ? 33ff̙  0 L0  <(   ~  s *    ~  s *H D  H  0޽h ? 33ff̙  0  0(   x  c $XI    x  c $0J D  H  0޽h ? ̙33  0L0 G?  (   2   `?<<P r R  <1?7 y,$ 0R  3 rQvd @?<<P+H k   `Gҵz?<<PuH `  <Z1?( #,$ 0 _Preventive Care4    `G &5?<<P j u   f_ ?<<P   RPersonal Account&8 PB   # lDţMo?<<P Z     `G?<<P T    <e1? , ,$  0 PDeductible Gap&8 P2   <h1?od 0 ,$ 0 K Insurance& 8 22    @ # llGH|?<<P   D  T  Zo?<<P/  TEnsures good health Neutralizes  hoarding Z+ 2     # lwGH)f?<<Pp J  D    ZLz?<<P~ ?  pEmployer Funds Only Notional Account Section 105 Plan Balance rolls over year to year Employer controls growth % Employer controls exit rules Vesting COBRA Retiree medical Qualified long-term care0 P27     i 7   @ # lG H|?<<P  D  H  Zȇ?<<PE  HParticipant responsibility Can fund thru Flexible Spending Account (FSA)ZI 2  -    `G?<<P   <41?9 m,$ 0 t$Education and Decision-Support Tools4% $  # lG3H]?<<P J D  N  Zt?<<P  H ^Consumer education Chronic disease management Health Promotion Online tools Telephonic supportJ_0 F2K   (   0e0e ? @<t<$  0     0| 4 wSource: PriceWaterhouseCoopers. 2 H  0޽h ?O@      {g  0 L0 @ <(   ~  s *    ~  s *\ D  H  0޽h ? 33ff̙  0 P R(   ~  s *l x@     0 HA ? |L  H  0޽h ? ̙33" 0 L0 0 0(   x  c $ @t  x  c $ @`T@  H  0޽h ? fff̙ 0 |t0d  (  d d d c $<B 0   h d s *(a< @   Employment-Based Health Benefits in Mid-Sized and Large Employers: Paul Fronstin, Director, Health Research and Education Program, Employee Benefit Research Institute; presentation to the Citizens Health Care Working Group.HH d 0޽hx ? ̙33 0 0 n(   d  c $<B ?     3 rԛNANA< @   HRAs have a combination of insurance, a deductible gap, possibly a personal account. This is a very flexible plan design. The money that goes into such a plan can only be put into it by the employer, not the employee.   H  0޽hx ? a( 0 C; (   d  c $~F   /  3 rlݛaa#" 0e$ @   aMOver half of workers are satisfied with their mix of health benefits and pay.H  0޽hx ? a(j 0 *" (   d  c $B 0     s * @   Deductibles vary by firm size; large firms tend to have lower deductibles than small firms. Small firms don t spend more than large firms, on average, because they are shifting more cost to employees.H  0޽hx ? ̙33w 0 @ (   ^  S <B 0     c $< @   }iEmployment-based coverage is the most common form of health insurance for Americans under age 65 in 2003.H  0޽hx ? ̙3380___PPT10.Vtz  0 P (   ^  S <B 0     c $< @   lMid-Size and large employers account for almost half the market of employees who are covered by health care.H  0޽hx ? ̙3380___PPT10.V m 0 {s`  (   ^  S <B 0   m  c $< @   There are several types of health plans including fee for service, health maintenance organizations, point of service plans (HMOs with options to go outside the plan for care), preferred provider organizations, and consumer driven plans.H  0޽hx ? ̙3380___PPT10.V#J 0 p Z(   ^  S <B 0     c $< @   P<Preferred provider organizations are the most common option.H  0޽hx ? ̙3380___PPT10.V@o   0 ia (   ^  S <B 0   [  c $ < @   ERISA is the primary regulator of private-sector benefit plans: reporting and information standards, appeal procedures, remedies and fiduciary standards. ERISA preempts state laws that relate to employee benefit plans.H  0޽hx ? ̙3380___PPT10.Vp 0   (   ^  S <B 0     c $,< @   An employer can decide to function as its own insurance company ( self insured ). These plans are regulated exclusively at the Federal level. The alternative is when the employer purchases insurance coverage from an insurance company. In these latter cases, ERISA regulates plans, but plans are also subject to State regulation.H  0޽hx ? ̙3380___PPT10.V@N 0  (   ^  S <B 0     c $ < @   Very few workers in small companies are covered by employers who self-insure. Most self-insurance is found in large employers. Self-insurance by the firm makes sense if it wants to be able to standardize its benefits across several states. It is hard to answer the question how many employers self-insure because many companies offer both a self-insured plan and a standard insurance option.H  0޽hx ? ̙3380___PPT10.V@^z  0  (   ^  S <B 0     c $|(< @   lThe Health Insurance Portability and Accountability Act of 1996 created national standards in several areas.H  0޽hx ? ̙3380___PPT10.VpɺQn  0  ~(   ^  S <B 0     c $\/< @   t`ERISA and HIPAA are the two major pieces of legislation regulating private health care coverage.H  0޽hx ? ̙3380___PPT10.V.c 0  (   ^  S <B 0      c $ 6< @   Employees at both small and large businesses have employee health premiums that are comparable in cost; however, the benefits of the larger firms tend to be much richer, broader. Small businesses tend to pay a larger percentage of the premium than large businesses; this is a result of the fact that small businesses must assure a large enough group of employees to be able to purchase coverage.H  0޽hx ? ̙3380___PPT10.V0|ц 0 91 (   ^  S <B 0   +  c $A< @   Percentage of workers covered by health benefits, largely by their employers, is stable; and a greater percent of employees in large firms are covered by health insurance.H  0޽hx ? ̙3380___PPT10.V x 0 rj (   ^  S <B 0   d  c $hI< @   86% of employers with fewer than 200 employees provide only one health plan choice. Larger companies are more likely to offer multiple plans; however, even in the latter case it is  residual choice (usually insurance from the same insurer).H  0޽hx ? ̙3380___PPT10.Vp=  0 w (   ^  S <B 0   q  c $xR< @   Other ways employers are trying to save money: providing incentives to employees to use health care more wisely; incentives for employees to use less expensive services or drugs. Mechanisms include using generic drugs, mail order incentives.H  0޽hx ? ̙3380___PPT10.VPI-V 0 (  (   ^  S <B 0     c $\[< @   Other employer methods for reducing costs include  tiered coverage for hospital benefits. Employers set different cost sharing rules for different hospitals in order to steer people to the most efficient, lowest cost provider. However, people may tend to focus on choosing providers that are convenient and that they perceive are of high quality. The employee doesn t know what the real charges for their care will be or what the quality of the care really is.H  0޽hx ? ̙3380___PPT10.V@ć 0 TL  (   ^  S <B 0   F  c $0g< @   Health Reimbursement Arrangements (HRAs) allow for pre-tax reimbursement of medical expenses. They are funded by employers with no employee contribution permitted.#~H  0޽hx ? ̙3380___PPT10.VnL 0 0 \(   ^  S <B 0     c $o< @   R>Another consumer-driven mechanism is a Health Savings Account (HSA). This allows the tax-free accumulation of savings. These have maximum of out of pocket (OOP) of $5,100. Distributions from the account are always tax free for qualified medical expenses. After age 55, the employee is allowed to put in catch-up funds.H  0޽hx ? ̙3380___PPT10.V`z V 0  @ (   ^  S <B 0     c $y< @   HIt is anticipated that there will be significant growth in HSAs in the future; possibly as high as 75% of employers may be offering such plans by 2006. What is allowable is defined by Federal statute but the employer can restrict the fund choices. The IRS definition of what is a qualified health expenditures generally applies.,;5H  0޽hx ? ̙3380___PPT10.V0 0 6.P (   ^  S <B 0   (  c $,< @   Table presents data from 2000-2004 demonstrating that large firms (200+ employees) are much more likely to offer health insurance to their employees than smaller firms.H  0޽hx ? ̙3380___PPT10.[ _z 0 ` (   ^  S <B 0     c $< @   lCo-pay, coinsurance and deductibles are generally lower for health insurance plans provided by larger firms.H  0޽hx ? ̙3380___PPT10.[в [ 0 p k(   ^  S <B 0     c $d< @   a+Contact information for EBRI: www.ebri.org. H  0޽hx ? ̙3380___PPT10. [0R 2xZ}pT?n /a&˲ qM"(6$65GhCtugP)?V)j(:Tqұ2wf Pes9u?6SOSNt> '4b|:vʗ|(6,͋~@PP/S.@Jx@000I|Uإ-xvӞTPL88~CTro߁}ԩqNNYE(1&RBgt!r/Nc}k+!s i&]һi+d^|kA>rU?6RsSSU0`  ffWjsWuz@h4,,\p#UnrPxVIF4i(ˍ}-zݝ;7GctK$҇Zȶڥ;{k }PO mS_-~~1|Z)=mEt41:;:kެYsoq^:憭Yw%6ݙ)1We:Ʋ{ADs{p]Wo3#Yvh":?*[i-b.z鲉r(:g Sc˖'ܜaфu !BfAUJ?½cUB9װ姟rn[ M4@?_z~cDeyiJqw:;sUibe$Uzc ڞޠ[ak*=4{W8X޹']HLcG0g/9KgHӺ4a/c~g.gyp1@p8^efcma@^{T h ub0rZkikѶې$VC9G#𚏹}H/_NYR}xZC9:k駥ୃf)hLST-Ip}>-^L᳼`Sď4?}I0Pwa -s=3oO`_(okKr_&B.o$V7Z ĕnV(#zvClN'ޞ|# z~X77lmɦ|30nڟkuA,7ۖ<Ͷ9tH3̣BUvHZNsGOZ6/ !ۜn:bw{RgEi6Zͥ.&*rEa{O ap4E8ڶ葱]X j|9/.5uf*wQ8 -.dU$=UVq44u0A^쟆"Nxh?Fϵ)n >D1Qs(=}W A野P7/W.pWШ[=mcL~F_x9'aP*b/|yoCj.j;ġ;2I>J]Vk & 5KiZ4^u& KIsy^gTrS=}N\e;vݑ.G?}k,cPs/=W-3D( #fOOob;d}Τc3g+5GS5fXDuLDk8jQtܭ}bQ6ksNq")Tm2Vb"O:hhTqUNjZ$y)࠸ T]djnk˓Fr9 [<{5.:ߊE%cNqSԘkJ|l,/Bw?Ջ%% Wߋz;ï*0MTx9zPk|<=oߦ9joed9a>fƏy'7[_CJsh'j{ vwZaRw`i֝z!#2g0[釴'k{^[i׿ G(ryi,0-*yϜZ9 g C,l XZXb4o(Wzvn[sD_}ҧ_HQ8pHs9Lv@HYVv|^7r|rY;;)1m=P[@9nsl9ձ|⽇'wh֛ZNY6)bb0EQ}p}؏T Q02r?!0 "xY[l\G]8c>8q`$N.v;m5u6nw}hЪ*jS$ "!B"(HT,?gًuTշg?_ٽ?|㕭7)|t,M(biN2]UJt<@P 2<ˁ @}P2La|bd3B٩`r"Ɩ@/$|wg C?:꽛r&ȿ*RBpg|Ud?O48KW9V)hy&׵ lJ5oK={c MdC1Aӻ5@- h|pFJ)4i!`rz.z>xk4G~^,fJ`Dz{kca t.1?mmm2NC#p?ǩX6 ;a_qAsnzy/  -<]vy\iDѳ}mc-Fі:W6ag2;y`tֶL9x^MX2^YT.Duwf:ڬnlk+¬NL,,3Yeꓦ9TE lw(s8۱_@$-"ȇ|돖hm f;`Z!NmEn3>nkJ?]Ԃnd杮*?ҟ핧ޚ99g1Jl kI]MCz(\Y$Ӻ/)1I}o@}!A^-,$i~~ޢ%eђR**> I`xx@ 7# >/:7ҳHHe4jl5J.Æf :>hکNr_CRp .(B%b慩pa`&gցjS>q!:1ᙉq33{oq}y?bQ3g ᙈ韜Ϣoj ai,,}-ϼzRN@7Wn"Ok-mn>^R/m\6DG}P4T@ Lp G/9嵁,o`9eɧ"fmn+5U"ޑ7@ ݚ O6/ER͚a8e@p HFFt2M nTn%:phQۄj&ຮsjJޘPJRB ]Ys=dʞFU'>|0,3yDR3wǮbIRTOoj$k鑈䱔ޕZ/j2hr%עt:,p-c.Wb!HaiVveےt垳db#t4Jzv>*#GaUk{EyڶI&{V}Ϊ^BuF$"e! k7vc[2V)_x@g1ۊr逍$R!;r@1s'=5Js gD=/,< |\ɝPW,z9c 8s$gKG䓜LvAch;zlƅ.|%܆7kvMhl3\\ѬEε2ݡNjj*,zLK'g<GAO7 ÛXna:Dd0yFf1$R捿V*~g$,5_S !Q)M~V^@>{hdn+.տnng5W[%7,6"}qYT?eqj׿AÚMՕ[и5_$רq<8;"EQ-qFަsݠ3v}^x{󨟗((c(`e|fDH׺˷c,Y[˛JBV O,mҮjqETSٴ[dӞHўH*S4x 'rs'Y}_CMCY{lo9wQy$ػ#؂'Wq;29rge~O0Xߢ_Itt_}0\W>8@_'ν[z/w,{ѽv<9|e /xO,jKmD,hE/kd,VcӇ"|1ѹ{~& ѳYPF={ 6xZ}lT}}~ṁl>Cp lWHJEL‡QUT*ԪV#%$msh iA*j"7AJ jQI יُwvԨٝ}w'^љi!P6N@H!NRH{sUA(<{CaRQea!%{W/Jnz|n RTۯ_Ўmt'3>fG u<9g!պ9t 8Un(6#5 Fi\Fe>~/@jBjFR R+RRi!"^]rS =9k;S*%6Ge ??g'[_(C*GrmQ 6LjT4b`NmἚo{/|P=XS?vJr)?i YӐ#@y昉yɵC*ti1RHKDZ ߕNvu޴Ke ~5;w/q0hϾ;zrt=Db!њlffbqvZRva(7qH,h5׷lm\eli80g񿲮wW:QsKS9dbVi[ ՚Uu\Xs;bf\/S2\:+c|*-D,Sʨ:0z|2~ 0 OU7;wqppKq¾.&'rK#b#iXl;`\"BPv[떳9&/#(`Kqq<ɻBqYe/[=᳾ĭlYy])΋E^X_C0R nv:閈Vu{n]'h;1_,AU [Kv`Y2S|뭔w<kjVe(lRGc!;4BJ2CQxXY.1p*,@GkKДXBm$]ȷbt19Vˌlc Xթc>i>-\;K_xq+ >&[a~cT]ܪ9Tb0aaipm6k^_O 6{ Lt]ߞ#I_p,SXVl{ȶ8%Wgd_^RzQ̰OXzo>Bz&n5El㪪rb?E /I=RӫDrO۫egYQL}\v6,VU17}d9S66`j2ؐVl#ky?ѥbI 3{4F1J ~b^~UAѸC831K)1ũC֭bN> irK\Tl܄ LIqSRazYq=foCLIfc)ڵa3i' !>dJ LB0ÔCL^'3%qc!cx))1}l좷]aeK(ɶQ]xwzM\gJmT׼*6SRT%]v#ebx)ɶQ]>z()6kuۢ&JmT׼&SmD|8n/F~E#_g+*SvSg*|1;fchk4XnFƮl`C;l[m, 8qΉ'a-'Osl:kCh/oc m/i|cihDdcD5jhmi'9+4-ȩ՜x7P , r9kAYTjN[s^=z^9GzE㼙t"L+%@s\^ G蹂~LStlƶԾ䶕URmYwמ$sb[egٖ=vv[>y~w(4x:f'j=V;t[ZEj,f oEHYVfav! n?`vhO7~w~ìLZ kt=ԵJZ{4@= ;_reSjRq$#E%ci1l2萊%Q4:.-ì/R4~Tgg˦͒ &xY]lT>3z^q.ˏem4&@b_JlJ\l6A$~C>QEmRR D}(U՗U>DQHK&yiߙ{zC@ٙ{3gf?TVF]+TSЇTqyV(\t^Cus^ep ak@-H-6tʝYR$hT0gYqyq>BR/~W9Q/aoB5+'q1@߹n9mZ|4#pKgug] 53o?4ͷKH> Zh,4VQ@ {9vj&EP6XafhViiuzֱW9dlO.=~<֞L&Upd:U R}ӹ6㗻Fh ;_uȡ`5݈] ްʰf 1hټfMSܗf{5⽩ɃCOš"Q"YLՂ%/*fHhe+ټ6."WG14lqFRaZRyJ5;,Eg ѫq@ІLC,it<#VP#KLf}9صk>AteZjjα:ivt42M JIe_.X6û 1(35~.]Bt::iz@.\84ަ5h S16yg 1= < gtu ֫RNڷ\:6 PRm<~,HU-1b`:LƳ'Gғ1 3AfvۘUiHd@zbh0oǺY ؗ=˞s'&~>eΥGQwuڠ9V豱᱉A& hQ}ā!O8!{Z}6porWG!;l*Xi ssPq_Mɵ/B*Ƚ%ZNDЪY:BBOABO_#tkl MCm)mvm|*X]^a=Y#i#)vxR:;9= QUӟ mU3xv8z>[-QqMM)-@vԈ#bY *4%*0hfЊ%*) &ЮV$U! %Fd܎ݯ58 jmCq',R勂?X[/=keO&[؏g;e/ku2`8靠,>wDX Yi_WΗTK#Dϓ w1g^˝,_Q cg݌ ^ؚxC]jeAIXV&J];Պ(_^(ڒ./4MY\|}wxwǣQMӈ0*j|֑ۍfUE(`NE~A Br_ H𾲂P5 Iusg.ԂPmҺ T)-/Rn[!y#ŠkL#5 1F4&D_DF|E߹wf;KlL0gν~{ϝ-iʣW΃IdmeqfCU:h VzH7RB~e!{w)c]GQoy̱4@t e ;1#4=s3<½>x0d>~/NW>U/ͲMMT  EŠ2P*HŒߕl?|s)sT[%/}e#^c"ޮYSa-{>T*"yr @*P5T;kY-ŽBz~kn{hBSf*?a\$im-Z:JQx&XG#C@j0DΪIK(s?ǁ`t$=;t(PolDF52v:Yn5MhJn 5Ь~y~Fs|S鷹Cp&ċFHB=5OuW;5eRĻE){;"2)T<3WBf(+ f]8Q/:j[ ޖ PAi#:LtK'Uslnx%18c `1֩O>m#N?"ݿ7SN>R̨HA.ҺwD "؋Sr2%WJD*tV46]!eTInocRFO{? B:znj{5Iw/۲Qn/J\ D%6.QfI|ۮVɇ;xSq8qgEDfٳ 0nPB,ti¤0jUYa:7JuɻgLf0E=?5; 8h:#ȑ:N/ͭ?r?; 63P7w^*;`.G Ս̮+ݍu>_5+Pk5I=|I=^80 Ƙ٧\iebϚ~zKTxI 8X"WHLj%v<8ŽBX@Mv L`8".&4ޕsRWA! fO&wo'aDpu)mԝlƨ=R7rkv ZfIaV]p jBa,lmK{%Bfۗd( XbL9h$6/b8C l2"9JǕ;u=. H΅]˽_f~rl)rDMms͉W磷DJp=}@s N^s@ !,`2:>@~V:߂E-^FYun@3uVyo>xipTOC*F4x2!"MG:LHeH3ʑ*@g i4CSυɓOzo$'B\Fq=Ht dYHcAL$Qq 1U}{^!4T|#-p]1\A<|H; P2@HTиM_߹wq/Y@q8h4"Xʡh1" ]eIFWq*Yi-wS,.7"tˬgZ\O=I q Q!q^|эׯmVՍۛ?>Y8[~R^VRAs|~HKF~;Uue>.F/Ob{ bw5>j]K2SP(dJErx-J2$K^b+v%1%|fd7mTw_ϴ4H6ϱZ ,6ϲjoo^~JPi%ݔ2N^6w3'YP["h}Dcc8%dg2>F:'͂V#)?`!kdC>)c+n?J4>F:^ٵd4`> 3+d c%"[ճdle A}lV\v ctn"#62tGZoɼMjlSX^͏mx,|x~o7(:ZZeU96JO^>Z%6Z./"y|8|69ۗV1=pUdXY\F*˱(?a9wGf4rLmm!sx򴙧Sff~6ϞDfLu!s L.=l*8l&zӧ} 6J5dnfTjj3E l>e3TC&kk6nR6sMɗO69k.j$++Y_q JXH~ů_ט| Kf K㉆ulXˀ,eg]eytp̜v >ULix(w_G|#n,\,::6h7R6_m^6oixND~~0rASyQKBPH{7v)l La^L+z &D?]}6qkB QߐTa<# B߈ BDai(#ٵ`!v7-p K/9#j4 2jP ZNGJds4 2} {Ԏ+\}ֵE:ִԹVXǢ+[[g #HDH\~R#NKJyOzVM5O)|+J8M4觡G_DXIDerRME/vrH3VY ӋfqX1gy+0ku)eQ?;Z,[>Q4ʺjA6*L昜FwLP=4JuIvNߒh@ + a^-٬Ԋ` ~Mp#Y[]r/dǖ9J:PYpHGGnȻIhYs!_ !d7+ 0fv A;~?PwV{4 @v[zhK-T&FaJ؊a/lʔBTi(_/ݘ{!`o/15Q7Z[à *l@`" UK ' q t?]dCK_1VpB*1u[2Ũ bTJn1U:>٨Oy4|2;Nx,K*(PT/7MPW>fAiny:,OjT,=g\n`e.50幼h7wV d!.1H$hìO0lC~32j˟l̶BL,85"YMCtVinU8f5g/4V[#I Q**9UzCoM/@/%Ws譴+mbpzuޠM>^Mzlz}蕋/ qI4E픯0[ 5z3VJZj䨾h-ul-)bdk^ lO@EjBIFH $r8("dϕf*P`0\,iMB nY]C!O,Js'~x2Q8'tȗcȕ db#ÊɆg)tlKpλ& oֻ'#T&&vi}YcnXtUc41ҫџ0FLFW9x)QiQ|=X jg48WBI;juQ IKC%ׯO;VyxMtzx#i;֙L&(9;v̏M8oyxc=|?2r~)sKQP+%+PkUzX6K>-OqJF <-mGw aE){)Nx9Q#tv"6GZo[t>wkxMa镣kSa \G桠YϷy^xm)AvGuM N!oKH%9E7^]1o`K\9IM5\Yl|i/R^&jU"l`1^K\ELKur54kgl:(Մ\?zzp< J5\ߠ)j/o0F.ɼ~:Da3(GI?`_,n?gcNGѐ  <x[}l3w3[csw+BT8* bREԏT"?DmDjSB?J)%QPR*@ J+Or}ono־3 1s~y͛7ovޝx7.'- nta V؍t:Mg?C^MS!`Ɯ| I9+W _Zʏ>vdS9pFҦ )`q,x'|/ Ydr6Ϛs!v9J7ա{H3@ƓR?4BN)'*uPŵ 〞exB ԥ!TAt ; Hӑf UݹIK.0=k=A/,F&Hs"5# }U~קFk0 n}hVaBS(?ȿN!dTR;Y>s_?w.NZ*H`0BѠZR D'Pn+ێTς٧_iOws%V73;h%Ћ2D) D1y,Kс1 r<@&s%s)^1ۢA#FF[B,9|-[aco{ww^!5f`hД7cϽpUP$hД=ϷRyA[drH }<*< `D)F2^Z(HkCCiW$OeG JM)(je>}W*)eXK7LᢏŸ,kvy bO.p?> [_-?iƪGNYͰ_ 𮏿| ~'ue#|򖯿]60z].sV/~jm>K[|M,mG$J >]IxC<W(|Ǘ?=c3jln[Eo#w!*%|::Gm[Z{ {G6VڬM"dY틅 vZ⒟U_ZXpԘF7ѐӭv1߳BXZjYh?emz!3f^ ~3>)t[jYbV3eD)Κz1,Ǚ1ZjYhՓc5Uύ0|Vᣢퟖ%d<ے[53I)5]3_Zls`ĉUx9[ӷneu˷[yP:Q" [E7C p򝲷Qp ] fW3ΜٺiF})fAU۶n̮Gk2ZZ=՚1ᦪ.ِD:-YnhT5oҥi 4ѱMvٍ<-:a.ܗ-L-Oٙa1йG#Ti2ߡ7*y.ڠ qR(e;vtK[`{V[e:XקV'Dl~#8 's/I7+1suV:6 1.$V;XZ1j84@03@uan0sYP==lң-r'x@E=b4 Ķx%}iH !]#݇ĉ<Ah 0($镄 NX:6JN.sCP9*-X/A% h ->$ & HJ `v*Z/{v{;tJtܿ7ѐEg/?}ceٹP#KZs?蔐Gl^U yIsa =`guBpGmCeӰo!?:$ICt;^ LK"|q(cB =h,O ߈8="~T Tθ3-%aD*cI{QR 7IhE=drm.|+^呛pɵF+|brmܤK=\KnJn#%70\yO!qC:` 3u&t is˓(]zK* +2Sw 9ͭAqy8}F-Zԑeg 91 #,=*$֙iT 6)>(C1+> cqW..DzNLwMI`#u h|w=uiO ?qU0+QPT q'j]"/PKBդD+fdw`)lxktqmM $BL@d- (bՠ`5*-FM,>ѢkkAZm*FSQ}Pa;3}Jv$ev7ޙ3}|9Op"7lt; e#1.6l8o;\9L ؜Ɔ#d,^ꮻkܡG/bzN9` ^"m v.c=\4 ȟ' ɼ3: p|o \Ƨ"vT4[p"B)BH?2OB8a&B9)f#T TaB5B B@KɥT}.&ZS:S7)I' ݜ/(JZZ ~@O/ cL@>0N qE#0ҿ?%/Leg\oh#$0,l *m{ߟHC'Oꨎg#iD4mC[ƒڛj-9}#{N_2.;B'{BU _1*~̀w^zg`:W'<{`-&KfU*ʙaeyDWS/W*E:*3:]^idjc'*.$^c'adʖۏG s_(+?QXՈ25l$=;r>c`ّ+egٮawՊ2lZ\Pˣ*̑egH&zvGYnz\C>Dώ\(C9^xl=s3qYoǭggdŸ&\P/'X87qnc `}B7us|K֣'fX\tlvls o"z~eY0M&{sE1$o̮]Boov)qZ$.ma,_"n6uh ۋxMЍlقt<)(a @r`?݇% ~I2/AJ' m>Q_\|mzFydCpS#7xx/,}(ik/Yެ*, 6IEwg&UYu\ -TUU,,7w$Mcܛ "zD* UHV%9]QCW-yg{ʖwJ먛͹HnUI=_'QLꆂg Ť4B?j"z vBrGS>1*4mVlCb']%>WܤuxւGv *i]q7_Ӗ=-!Ey[31QDwKGrir}?흲 mBGa(K v$Nf.Zh'{B3`/覤iY!v~z>^$t?՛/˒sv%IcOt>rLD$Ƀh)E{)kx|PA;© v2_X>[D&jQBUT-P/&!bS2%qBOՔ-LqPf4v"y9vyؒFnǡڂ-b#oҬM ݪb!o(Y}[?NH+^_ 2٧[IQ3]@xꞮs,&TQxx6b*å.DU;q4t}“q-槓!iУ;/*uvqX}M(;9Iu0҆6ll^'f"D5ϟb}i<5v}ne0NBq^]C6A S.C8 4cxXA i L'eJ@S D8砐f'oT=#'Y3!3m_ pW">W }}es) ON=bnCxܜ;6Gt0{xG40lw~D̑kʴe#ّka(gّˇ2XK&ek`h2r+y(Se#ّ+2Y.2ѳ#Wchby #cƇ#3?rgv쑫-X ô*mQ F5Z;w4>o+h !ZZ'sh|DCco_C!9/uxJ&HSgnEi'7HbT4'El7;ѦVl)~lѦWĽ6];^DfGx.u1bkr:"éXm4{!y ӌD\丞f4i]F^iikO3r5w8RC9y:#]qvãXS&Zy#Q/=  ܪѦ^{722Һ_/O7t\,3H{{ƌw@Oߥ >K`.KQ]E\zOY1=zE_9R>AWk} T|s"eNjeK]ɗ%>3}iVG~Ze\u<i"oXwY ݥJ=̈́S$( s`KRq}m˔ԟmCRWM[GHa|Guƃw@=  W` W^􍛌-$Z2O8S1> osi}6O1.{,.Ո[|g vuxo;>8ӖFNH eyj1-X BxZ}pUG?潗BL  m@|@#B43C;Ԋ4N;Z5E`Ƒq@S[3:# #3"s{y/5={ߞ={{tlEK nDs! $i y7(,J+`;~vA <w'< 7Mc!ǝs +<䴪n\9WTo|ƌtSHAӧPw£qx4cP?;T^@;Ys3OAttCSQ4itb,i6 !U"UR R-\yHGz@˺b`Z7]%]yOx3A^'"n/̾~Jqcw8`c!\ (\T7 0m 1@>0i<HHHz9Ige;X_j@?cO'o+F1d\MEtR~<'uhr<%#~uܴsJt۱a],QA++b>|Xw%9H!D{x  9ȁ<Lq7;j1&a4)-/-]VVfga{ ƫU+6n\lRT_hOD_Gp4P?/ɭy;Un]~_AfJ}WJ|.񥆗+Zh33]?PnD/ ǏWckn "oG!"()plҁ~9C-+J|\A({TÂM-lrk.ۺ܂G-SUWgᡇ4~^$f9O,bXiMoz~9uJTvS~bI֎4_SxdKe{*OQCdVUR؎ߩW,~Yˤ`ϟ45 ~ROZp5J엚җhKpza'PW͗վR=AjqIxGq=iad=(ȧ^d%lpBgh|Vcb[NBrpֱ%5BP^ 5t>yA5lYVj] Mxp~ Wt]$ p r80n-;q;Rck}+7[X/Օy@>-13e@JbġKMCMuJ@J/G_Ŏ!bPZM=DwEjd["; oCjd_@ϣS4,V]n}Oԣ՟DvDxlҖ&a3+YפiHO[-R5렕xT+;W7cOW[v]P^ʾR>sw$:spܦ~Pfh%̾tGlR.JL5bGHzT*K o )$6z@Bqt]&^O8B8  ^Dl]dS Zƶ볋l:$.m|vM?D{ٶs>j! i v[DlMk-cۨlȦ-lMt"˶QEREuFz6*:)l-cۨlȦMtm#6^뷞ݞJG8W񠎤&F&Ml5Pʍ>/ O7B5{2<#^|$W>^yro./zz\]:;.qv< Tď}q8U|ޫ{FOl-vt+)fL!U5)09 #C }ɪILKY'|PVWOBN"LX#bH4Qp 5\ q F,S 5\AXg临 Qq\vN^REݒtf5Ґ;P2 gdHUKP*Fo,d\f5܍> KK;|]ː%~`yTGwdEgT%gP`?&bnM[Ը.k7}pZ'SJ;QR{g}eOlzK[|od׼uʫ4̯IV{XѝkuJ}Bed m܃MUW?Aț.jY53mU;ܹhY׮@b]ˤ:S&dkm ֤v'rgi(yԬ`R!*U#3JmwD:ɱ6olIy3y!2K8-mjѸBAwd<7JnϛxFeyc~~knLS-cߧ1O1B?2s[[~lu k殟xɴd"Yj^I2}?h 2xlW}g[ PF)ݣ?[_ZhE1f)nƒX*Zjt&ˢ(X[hœ/c.Ubg$(3;:I3Q{k^y2}=w=?{Ɵxk*x8`*D*"[Woa;|,c92&w8^{cΟR}j7t pFC!0v8\(b,@>YhuPlCp >=1/g&TeUA0>W "܏a a 9[-+ŌѭPӚx_9 Oj/^3.+2X!dc _y p`H. p7VEh%?5k }Tq W!̂8D/Rǹχ8Sè2{8n?Ǐ U9vz!vn=,@X/[2 S\Ӽ%N {=_~L[׋fX2+1'k+֭X^k~Z]eއ2zev ҝ#|zĔvrqS]7`Vj&j-YvR5"\j"ue(b>)L)OY]OC"΢7d@k0#ukLۂI`B5 r։m"AU.|~bԃVWԩr/%mz.w&m.K=3ѹ:OgKT= ;Q+Vo㍡sh BDapT֓qFLҥKGOR*+$SIlChH'KA4D<&#!8;wD㈈B\⢤Wy*IJeD1ٜFd{,iOZŠbČBc$n#L0ѺV5w=QQ$8LyGZ%%:$-qFԩI6%&Q<ikjmv-u2%]kL-#NjWlB< -x@J~-Q~嶬b-]3Z!vpK%ʮ->|mp~rPrX f2m=sD 4kX O (=G%I4{= .R@ BO 3Y+_\Au^ha@x8qij7m0p`o~awyٙ/9h+,/r :Q #&+.15C8:`1Oh+'08U px $0 P \ h tTrustee Orientation SlidesDallas L. SalisburyTC:\Documents and Settings\fronstin\Application Data\Microsoft\Templates\EBRI.potWhyde143Microsoft PowerPoint@)@A@~bEr@P_jeGSg  )'    """)))UUUMMMBBB999|PP3f333f3333f3ffffff3f̙3ff333f333333333f33333333f33f3ff3f3f3f3333f33̙33333f333333f3333f3ffffff3f33ff3f3f3f3fff3ffffffffff3ffff̙fff3fffff3fff333f3f3ff3ff33f̙̙3̙ff̙̙̙3f̙3f333f3333f3ffffff3f̙3f3f3f333f3333f3ffffff3f̙3f3ffffffffff!___www4'A x(xKʦ """)))UUUMMMBBB999|PP3f3333f333ff3fffff3f3f̙f3333f3333333333f3333333f3f33ff3f3f3f3333f3333333f3̙33333f333ff3ffffff3f33f3ff3f3f3ffff3fffffffff3fffffff3f̙ffff3ff333f3ff33fff33f3ff̙3f3f3333f333ff3fffff̙̙3̙f̙̙̙3f̙3f3f3333f333ff3fffff3f3f̙3ffffffffff!___wwweeeeeeekeeeeeeeeekeeeeeeeeekeeeeeeeeekeeeeeeeeekeeeekeeeekkeeekeeeekkeeekeeeekeeekkeekkeeekeekeeeeekeekeekeeeekeekkeef_fAverage Annual Deductibles, Employee-Only, by Firm Size, 2004*Hospital Cost Sharing, by Firm Size, 2004;Drug Plan Incentives for PPO, Large Employers, 1998 & 2003Tiered Provider Networks'Health Reimbursement Arrangement (HRA)HRA PrototypeHealth Savings Account (HSA)cLarge Employer Interest in HSAs: Likelihood of Offering a High-Deductible Health Plan with an HSAEBRI  Fonts UsedDesign TemplateEmbedded OLE Servers Slide Titles 8@ _PID_HLINKSAdhttp://www.ebri.org/_0WhydeWhyde  !"#$%&'()*+,-./0123456789:;=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?ABCDEFGIJKLMNOTRoot EntrydO)PicturesvCurrent UserHSummaryInformation(hUPowerPoint Document(<DocumentSummaryInformation8@