What Doctors Don’t Tell You – September 2019



,,



 

 4;+) 

*



 






,B!!3A!B!A,.3+2!..3!3,!1H,B.3!75"5;  H,B3"QQQ-8+!

M!B.H!3 ,B8K1.B,!JEQA!86AHB375%K11OK8H!!-660B;6K3KB!H,!B!A!B6KA!B

H6'36KH26A!6KHB62!6%H,!BK/!HB6L!A!.3H,.B.BBK!;68KA,B!63!6%H,!!-660B

L.B.H:::*:5;*$!3 5$$/*5! CH68KA,B!63!6%H,!K.6H!1!B!2.3ABL.B.H

:::*:5;*$!35 /!"./*5!

,,    

,.- $&$ / 9" !$.59 5" 5 $5./,!A!@B 36 BK, H,.3+ B  B%! 68.6.; 6M!L!AHA261 2A0!H! B 1HA2 MB BK886B! H6! 1!BB .H.L! H,3 H,! 6H,!AB 3 B6 6H6AB

,L! 63H.3K! H6 8A!BA.! .H; KH 3!M A!B!A,,B .B6L!A! H,H ?B%!@ HA261 .B .3 %HH,! 26BH 3+!A6KB 68.6. 6% H,!2 11 3.H@B H,! 63! H6 M,., 8!681! A! 26BH 1.0!1O H6!62! .H!;

,B AH! HA261 B !.3+ 1!BB.H.L! H,3 6H,!A 68.6.BBK, B 6NO663! 3,!  AK+ 3%6A!2!3H 
2.3.BHAH.63

,OA6663! 3 .H ,B3@H!!3 B H.+,H1O A!+K1H!;H,! O6 1.3. ,L!.B6L!A! H,H .H@B %A %A62KH 6H6AB %A62

B%!A;  3  %6116M-K8 6% 3!A1OIEQQQQ 8H.!3HB 8A!BA.! 368.6. H6 !B! 8.3 %H!A BKA+!AOH,! 6H6AB %6K3 H,H BKB8..6KB

A!8!H 8A!BA..3+ 163+ %H!A H,!8.3 , +63! MB 26BH 62263263+ H,6B! +.L!3 HA261;A!8!H 8A!BA.8H.63B K8 H6 7"Q6A! H,3 D 8!A!3H ,

OB %H!A BKA+!AO 7 8!A!3HM!A! BH.11 H0.3+ H,! AK+ JDQ OB %H!AMA 3Q;( 8!A!3H , 7Q 6A 26A! 8A!BA.8H.63B H,HM6K1 1BH H,!2 H 1!BH 7JQ OB;

HA261 .B 1!BB ,.H %6A2.3+ H,3 6H,!A68.6.B> B. O6 A!B!A,!A A 611O 

!&!AO;!62.3+ H,! H,.A 26BH M.!1O 8A!BA.!,! .B6L!AO =6!B3@H H.! H6 H,! .! H,H  HB BK886B! B%!A BHHKB ,B 1! H6 HA261

68.6.;     H MB 88A6L! .3 H,!  .3 755(2A0!H! B 1HA2 6A 63.8 3 !2! 1!+11O 63HA611! BKBH3! .3 JQ7* 1H,6K+,M.H, H,! AH.3+ 6%  ,!K1!   AK+ !KB! .HMB 36H 63B.!A! H6 ! B .H.L! B 26BH

6H,!A ,!K1! 68.6.B; 9'#!%!

8.

38'-" 9(5:(&$/5 ./ .5 &5"5/

"$5  & ; /55"/6BH 8!681! M,6 A! H A.B0 6% !L!168.3+ ,!AH.B!B! A!3@H !.3+ ,!18! O ,61!BH!A61-16M!A.3+ BHH.3B; ,! AK+B %.1! H6 A!K! 1!L!1B6% ?@  ,61!BH!A61 .3 (" 8!A!3H 6% ,.+,-A.B0

8H.!3HB 3!M A!B!A, ,B .B6L!A!;

H,H %6K3 H,! AK+B A! .3!&!H.L! .36% 8H.!3HB;,61!BH!A61 H6 B%! 1!L!1B .3 (" 8!A!3,! '3.3+B !,6 H,6B! .3  BHKO 1    3 H,! 3!M BHKO H,! AK+B %.1! H

H-A.B0 8H.!3HB 3 (7 8!A!3H 6% H,6H,! AK+B B 8A!BA.!;     3 H,! +!3!AH0.3+ 868K1H.63 II 8!A!3H 6% H,! "8H.!3HB 263.H6A! .3@H B!! H,!.A 

A.B! 1!L!1B 6%  ,61!BH!A61#KH HM6A0.3+ BO H,! A!B!A,!AB %A62 H,!3.L!AB.HO 3 H,! 3.L!AB.HO 6% 

6AH,,!O 31OP! H,! ,!1H, A!6AB 6% HH.3B A! H,! 'ABH-1.3! H,!A8O %6A

8H.!3HB H0.3+ BHH.3B .3 H,! BHH! 6%     6K1 ! 8A!L!3H! .% H,! BHH.3B . H8A68!A1O H,! A!B!A,!AB !BH.2H!;
A6K3 77DI 3!M B!B 6% ,!AH .

   %-) -$5:(&/5"/5$" "  )8/./

A! 0.11.3+ * 8!A8!681! M,6 A!+KB 3H.B 6A8K28 .3,..H6 3.+!BH.63

A!L. 913B68AP61!:#KA.16B! 962!8AP61!: 3H0! H,!2; B#M,., .31K

8AB.H. .B!B!B H,H 3 !L!3HK11OA! KB.3+ *( =!N!BB !H,B> %6A !L8!681! M,6 H0! H,!2 A!B!A,!AB !BA1.!A A!B!A, ,B %6K3 H,H    .AK1H.63 .B6A!AB 3 .3%!H.6K

KB! A.6LBK1A .B!B! KH!0.3!O .3/KAO !2!3H. +BHA.3!A6BH!686A6B.B;


    

.3%!H.63B 3

3.L!AB.HO ,661 6% !..3! .3H; 6K.B 31OP!  HB! 6% L!H!A3B 6L!A  HM6-O!A 8!A.6;!B!A,!AB %A62 B,.3+H63KA.3+ H,H H.2! 26A! H,3 *Q(Q

L!H!A3B M!A! 8A!BA.! H,! AK+ %6AH.2! 3 26A! H,3 7(DQQQ 6% H,!28A!BA.!  5Q-O BK881O; O 628A6K3 (EQQQ , !!3 8A!BA.!

160!A 36H,!A HO8! 6% .3.+!BH.63 L!H!A3B .!#3 H,!A! M!A! 26A!263+ H,!   KB!AB H,3 263+ H,6J 160!AB;L!A H,! 3!NH 7Q O!AB 6L!A "QQQ

   +A6K8 M!A! .AK1H6AO 8A61!2B%6A I" 8!A!3H 6% !H,B 3 3!ABKB! J5 8!A!3H 6% !H,B; 5:(&/40#(:,! 26BH 62263 KB!B 6% !H,

 

(^1336) HB%(A!H 6 Q (^8) H (^2) K,!A 2 ! (^6) ! ! 6 B
(^6) B" E 11 BHM!!.HQQ,L! 16 - (^3) QBH (^6) % 11 ;
A 1 H!,! (^3)  18 ,! (^) ,!A@O (^6) A. (^8) A 61 H! (^33) . 31 !;.HH 6 M,
(^) B (^3) ,A.!!.B! 3 /;
& 8 $ 1  (^) . 1 B 036
(^8) AKAA (^61) B! (^3)  9 AH (^31) H (^6) O (^6) %B :
B (^30) K!; 3 !B. 11  B
!BHB. 2 AO 16 HQ (^7) B!QQ;
2 AQ!,Q, 3 QHA.B 6 ' 3 JAHB!
QA! 6 Q!BK+! 6 %HH;H,,B! 0. 3 +
,AB (^2) ,M!B (^86)  (^6) .B 3 + (^3) ,.,H!

85"1&)8%81<+0)%&1"'
5! 85
KH.B2 6K1 ,L! 26A! H6 6 M.H,H,! +KH H,3 H,! A.3 3!M A!B!A,.B BK++!BH.3+;,! +KH ,B .HB 6M3 3!AL6KB
BOBH!2 H,H 6K1 ! .3)K!3.3+#6A86BB.1O !L!3 KB.3+#KH.B2 BOA!B!A,!AB M,6 ,L! .B6L!A! H,!B2! +!3! 2KHH.63B .3 H,! A.33 +KH 6% ,.1A!3 M.H, KH.B2;
1660! 126BH !N1KB.L!1O H H,!A.3B 6% BK&!A!AB H6 K3!ABH3 H,!8A61!2 KH A!B!A,!AB %A62  A!L.6KB .3L!BH.+H.63B ,L!
3.L!AB.HO .3 !16KA3!
KBHA1.BO H,H H,! +KH .B /KBH B B.+3.'3H3 8!A,8B !L!3 26A! B6;H H,! +KH %H!A A!1.P.3+ H,H A6K3,! A!B!A,!AB BHAH! 1660.3+
5Q 8!A!3H 6% ,.1A!3 M.H, KH.B21B6 ,L! +BHA6.3H!BH.31 8A61!2BB6 B!L!A! H,H H,!O 3 ,L! =B.+3.'3H .28H 63 .1O 1.%!> B.1! A!B!A,!A 1.B .11-A.3;
2KHH.63 .3 H,! +KH 6% BK&!A!AB H,H&!HB 3!KA63 622K3.H.63 .3 H,!A.3 3 B8!.'11O .3H!A%!A!B M.H,,! A!B!A,!AB .B6L!A!  +!3!
H,! MO H,H 3!KA63B ?BH.0 H6+!H,!A@3 BHO .3 16B! 63HH;8A61!2B O &!H.3+ 2.A6!868K1H.63B H,! 3K2!A 6% 3!KA63B,! 2KHH.63 1B6 KB!B +KH
.3 H,! B211 .3H!BH.3! H,! B8!! H,H%66 26L!B H,A6K+, H,! .3H!BH.3!3 .HB A!B863B! H6 H,! A.H.13!KA6HA3B2.HH!A 

 1B6 036M3
H6 !  %H6A .3 KH.B2;%6A KH.B2 HA!H2!3H 3 BK++!BHBH,H  %6KB 63 3!KA6HA3B2.HH!AB .3H,! +KH 6K1 ,61 H,! 0!O H6 KH.B2,! .B6L!AO 68!3B  3!M L!3K!
A!6L!AO;
63!.$
.5:(& 955
 1 081"' /;115!1/)0
90<===+)+%:!)5$5!&
.8 ":/
'& %1(


  
!  #
 
!
' $ $ &$  &$

 !
 
&! !&
 ! $
 !!$!
$ $
! 
  
$ $  !
( ! $ ' $
&$ &
!  $!
$( $  
3




 4;+) ,, ,,


 4;+) 

2


 
 

 
 


01,03#&(350&1&53#(13950'13,011#( !&3!,0&'1



 



<A+<<+%<<H-;/,
 <D ; ;/, ;<A+<< +%< <H-;/,- / A- &E A/ %A D1 - F+;/D- (- A& ,(+ / A& -(%&A A/;+(E (A F&(& +E< , G&D<AA& -GA H4- H/D <D%%<A -H
-AD;+ ;,(< A&A - &+16  9 ! /, " A/ 0" 1;-A / A&1/1D+A(/- <D ; ;/, ;<A+<< +%<
<H-;/, 2
3 /-(A(/-A&A D<< - D-/, /;A+ D;%A/ ,/E A& +%<4 A- A&(< D;%%/< &- (- &- F(A& D-1+<-A<-<A(/-< (- A& +%< <D& <
;F+(-% /; A(-%+(-% +(-%< F&(&%A F/;< A -- ; ;+(ED-;+H(-% &+A& /-(A(/- <D&
 -  D< H -(%&A - F(A& (-A(E(AHH ,/E,-A4
< (-H (+D; /; (;/- !(-H-,( < F++ < 1;%--H+A&/D%& ,/<A / A& A(, A&;:< -//E(/D< D<4 H/D; < (< <E; H/D; /A/;
,(%&A ;/,,- ,(A(/- +(/1,(- %/-(<A< /; +E//1 DAA&< - AD++H , <H,1A/,<F/;<40 /; ,(E( (< A/ 1 D1 %// <+1+ << A& D<D+
&(A< - E/(  (- +/&/+- <,/(-% DA A&< <A1< ;;+H+(,(-A ++ <H,1A/,<4CAF/ A&(;< / 
 <D ;;< ;%D+;+HA:< -/ <D;1;(< A&- A&A D1 A/
D< +A;-A(E 1;A(< A/ %A ;+( 4B; ; A& <A ,A&/< A/ A;H4

 


E- ( H/D:; -/A -,((;/- !(-H 
,H  A A& ;//A / H/D; 
 </ (A:<  %// (A/ %A H/D; +E+< &4  H/D; <A/;< ; +/F(;/- <D11+,-A< ,H &+1 ;+(E <H,1A/,<4$
/F +E+< / E(A,(-  &E +</ - +(-A/ 
 - A(-% <D11+,-A< A/ %A +E+<
A<A /; !(-(< (- A&< - /A&; -DA;(-A<- ;/,,- <D(A+ <D11+,-A /<%<D1 A/ -/;,+ &< (,1/-<D+A F(A&  5D+(! 1;A(A(/-; F&/ -<H,1A/,<4";/E A& <E;(AH /
A/ %A H/D A/ /1A(,D, +E+<4
%-<(D,4 -  <ADH / 1/1+ <D ;(-% F(A& (-</,-( ;+A A/& /++/F(-% -DA;(-A< ,H  F/;A& A(-% (- <D11+,-A /;,
 
F&A&; H/D:; !(-A (- A&, /; -/A4

 /; A& <</(A (</;; 1;(/( +% ,/E,-A< D;(-% <+12
3 ,%-<(D, A- (- A& E-(-% &+1 A&, <+1 AA;4?(A,(-<  - 4 &< 1/A-A -A(/G(-A< 1;/E D< D+ /;6.3'.4::$19!%3 7%!%+

'A;H1A/1&-4/, E(- <D%%<A< A&AA&(< <+1'1;/,/A(-% <D11+,-A6.3!#9'.5::$3'47!3$!%%::7!3$!%,(%&A &+1 F(A& 
4&,/(+H<(< 1A(-A< F(A& 
4>
6.3'.(519!%3 7%!%+ 



(,1+H ,<<%(-%
<<-A(+ /(+ ,(G F(A& ;;(; /(+ <D& < //-DAA& +%< F(A& +E-;/(+ - ;+(E 
40$
A&- ,<<%(-% H/D; +%<;H &E(-%  F;, A& /; H/D %/ A/ <+14
2;3 (<  -/-(-E<(E A&-(5D A&A <A(,D+A<-D;/-< (- A&1A(A(E A;-<;-(+ ,%-A( <A(,D+A(/-;;+ /;AGA&;/D%& A& <+1

 1A(-A<480B ;(/D< ; 1;/E(;< ; E(++<H<A, <H,1A/,< <+1 (<AD;-< - -G(AH (-< +H - F(A& ,(-(,+ (</, /;A4
- <ADH /D- A&A (A -7,;+H ++E(A A& ,/A/;
F/;+F( <D& < D;/; 2FFF4-D;/;%;/D14/,3 - ,;A 2FFF4<,;AA,<4/4D34

4
- A;(+ /D- A&A  /-(A(/-(-% 1;/%;,%D+; ,/;A G;(< 11;< A/ &+1 F(A&/ ;/( - +/F;'/H ;<(<A- A;(-(-%


&,/(+H<(< 1A(-A< F(A& 
 &E ;1/;AA&; H< 1; F (,1;/E <H,1A/,
- <E;+ <AD(< / G<(,(+;+H 1/<(A(E ;<D+A<40C
E/( E(%/;/D<;(< 1;/%;,< (-<400
G;(< - G;(<(-% +/< A/ H/D; A(,A&/D%& < A&(< ,H G;A <H,1A/,<4
-;'(- ;; +(%&A A&;1H -  D< D+ A;A,-A /; 
4
E;+ <AD(< <D%%<A A&A
- /- <ADH0C BJ',(-DA +(%&AA;A,-A< A/ A& +/F; +%< /E; /D;'F 1;(/ <(%-(!-A+H;D <H,1A/,< /,1;
A&;1H E(<F(A& +(-(+A;(+< A/  A&, D140J &H:;+A&
(%&A (< /- /,1-H/ ;(-% -;'(- ;; +(%&AA/  /-A;/+ A;A,-A4.
/,3 A/ !-  +(-( / ;(-% A&5D-AD,F/;+E(<(/-4/, /;H/D - /-AA A& /,1-H(;A+H 2FFF4&+A&+(%&A++4E(++ A/ DH E( FFF4
A&;1H -; H/D4


 % (^76) 1!!8 !JQ77C7JI7$51.3 !963:JQ7EC7EID5$"J1!!8 !JQ7EC7D55$7Q(
+!
+!.3+755CJIJQQ$IC
 (^1)  2 1!!8755"CJ7(Q7$(
2
BO,.HAO75"EC7I(($(1!!8A!H,JQ7(C75(D5$"I1!!8 !JQ7JC7I(*J$(6,A3!HB!OBH!LJQ75C 3H

!KA6B.755JCED7JD$*C7QQD"I
#%<%%,OB.6H,!A,!6AOAHJQ77CJDI($(7,OB.6H,!A,!6AOAHJQ77CJDI(J$5

26A2 !JQQEC75"D$5I
%7%6%
.3O28H62 3+!JQ7"C((77"$5(,.3 !
93+1:JQ7(C7J"7DJ"$I7
KAB .M.%!AOHKJQ7(C!J5E7D
 58. " /$$
'& 2(
    !$ 
$& $ !$$ $ 
&&
$& !$

 !$
 
  '
! $ $'
!&$!   ' $ 
 $   !
2

   4;+) ,, ,,    4;+) 

2
"'5%)9
%5,'311%#(07#3!3!1&&"(350&3#(3
'#1350#:01 (^) +// A&- /D-A(/-4 DA (- ,/<A(-A ,/(<AD;(I;< ; A/DA <%(E(-% A& <(-  ,/; -AD;+
<< A& F/;9-AD;+:-:A D< A/ <;( A& /;,D+A(/-<4;-< 1&A&+A<<(+(/-<&,(+ <D-<;-< - <H-A&A(
<-A< ; )D<A </, / A& ;A(!(+(-%;(-A< H/D:++ !- (-<( A&<<(-;',D1 &H;(< ;/,/A& D%A - &(%&'- ;-<4-H / A&, -   /;
H/D; <(- (- A& +/-% ;D- -1/<<(+H E- H/D; &+A& A//2/-:A /;%A A&A F&A H/D 1DA/- H/D; <(- -  </; (-A/H/D; +//<A;,34
, F(A& <  - <(-'+/E(-%(-%;(-A< / G(<AH/D )D<A- A/ -/F F&; A/ +//4; ; !E F:E/;AD-A+H A(-A ,/(<AD;(I;< /D- A&A ;
0JJ 1;-A -AD;+ - F/;DA( D++H A/ &H;A 1;/AA --&- A& <(-4


==,80AK.H.+2!3H!.3H! 6.BHKA.P!A
 

 

"97;D%16PF(Q2::::%<<&."5&8.*$!0 5  %7##62.H,1.BH6%.3+A!.!3HBH,HB6K3+66!36K+,H6!HBK,BKK2!A
/K.!.!AAO6.18!,!NHAHB3862!+A3H!%AK.HH,.BH.3H!26.BHKA.P!A.BA!1HA!H%6AH,!B0.3#36KA.B,.3+,OAH.3+38A6H!H.3+.HM,.1!8A6L..3+1.+,H-2!.K26L!A+!
M.H,!MO'3.B,;
L.11!.33.3!B,!B%A62?66@H6?
18.3!A6B!@H,!%6A2K1.BBK.H1!%6A36A21AO362.3H.63B0.3HO8!B3.BL!+33
AK!1HO-%A!!;

0-81!$.3H!OA!2 (97%16PFIQ2:
 

:::.8/$!0 5  <<71##<1,.BA.,A!2.B80!M.H,813H6.1B.31K.3+BM!!H1263L6638A.6H0!A3!16.1BH626.BHKA.P!3A!8.A
AOB!3B.H.L!32HKA!B0.3;,!A!@B/KBH63!B,!L.11!#6KAH!BO6%3HKA12.3!A18.+2!3HB#KH.H@BB.H61!3M.H,O6KA6M3B0.3H63!%6A3!L!3
6281!N.633BKH1!MA2+16M;!A1!NHAHB6%0.3!OL!H,3H
6,3@BM6AHA!1B6.31K!.3H,!%6A2K1H613!3H63!H,!B0.3;
'"$
0 '"!AH.%.!A+3.A!2 (

 
976PFIQ2::::"$."*$! 6A!H,3H.3H!26.BHKA.P!AH,.B?@A!2M,.,BH3B%6A1!2.B,12
6A!KHO12.B8A.2!A26.BHKA.P!A3%6K3H.6311.363!; H@BL.11!.3B!L!3B,!B!,6%M,.,63H.3"Q8!A!3H6A+3..3+A!.!3HB.31K.3+16!L!A/K.!1!2631!%!NHAH36.1B
6%L66A+3/6/6862!+A3H!38A.01O8!A;,!A!2O%6A2K1881.!B!KH.%K11O31KAB.28!A%!H.63BM,.1!.3H!3B!1O,OAH.3+
3B6%H!3.3+H,!B0.3;

)1!)10))$
KHA.!3HOA!2.3H!IQ
 

((9J%16PFEQ2::::$/.$/.$$$!0 5  12<677%%7
36H,!A2K1H.-HB0.3+%6A2K1H,.BOA!2M6A0BBB0.3-B266H,.3+
8A.2!AA!+!3!AH.3+26.BHKA.P!AA6-B8!HAK2BK3BA!!331.+,HM!.+,H)M-'N.3+%6K3H.63;
HKA12.3!A1B8A6L.!H,!,.3H6%616A92.:3H,!8A6H!H.63
97J8!A!3HP.36N.!:M,.1!,6BH6%!AH.'!6A+3..3+A!.!3HB!1.L!A!3!'.13H.6N.3HB3H.-.3)22H6A.!B38,OH63KHA.!3HB
H6H,!B0.3; H@BL!+3-%A.!31O3BK.H1!%6A11B0.3HO8!B.31K.3+6.1O62.3H.6333!8A63!;
5!"%85<.3H! 6.BHKA.B!AM.H,A!!3!
 


A+3.1 IJ;(976PFIQ+:::: $9 8 $!
L.11!.3B!L!3B,!BH,HM6A0M.H,O6KA3HKA1B0.3H63!H,.B3!M1O
1K3,!H.3H!26.BHKA.P!A.B!B.+3!H68A6H!H38!A%!HM.H,B!6%3!A61.)6A1MH!A31!36%86H!3H?BK8!A%66@.3+A!.!3HB1.0!A.+,H!3.3+
83!B!A.!6.133H.-
+.3++A!!3H!!NHAH;
BM.H,118A6KHBH,!.3+A!.!3HBA!!H,.11O,AL!BH!3A!B863B.1OB6KA!;.H,B,!!AKHK.11!6L!A+!33
6%J(.H@B.!1%6A!L!AOOM!A;
 5; $&&"
'&/ 111(
 "   & ($ $ (    &$
( $ ! $

 &$ "$
! $ $ &$$! $$
&

 &
   & '
 ' $ 
( $
+ &

 )!& 
=

   4;+) ,, ,,   4;+) 



   
 
    
% (^6)  (^7) 

  K1.!1H,JQ7IC7I7Q7"
.61,OH,2B755DC7J(E"$DA63HBO,61JQ7DC""D 3H
!B963:JQ75
K375BHA6!3H!A616+OJQ7DC7(JDIQ$*
957(33&1#(!19507#1395(33%! #,,0!3!3#(6&61'03!($51313'!05(!1191!0&33331
"  ! $8./

A:< <H A/ /,!GA /- A& <(I/ H/D; ++H -F(A& / H/D;F(<A4 (A <A;<<
/,,/- (- A& <'<(AA(-% (%(A+ %- ++ + A/ - (-;< F(<A <(I- A&(< ; -  A& </D; / ,D&<-A;H &E(/;<- 1/<AD;+(<<D<
/H <&,4;D-&< (- A& %H, F&- A&H +(<%;D-A+ /DA ++H <(I - A& D++;-% / ,/A(/- A&A:< - ;/D- A&/<A 1/1+ & <A;(%&A /; <A/,&
,(+ -  /;%/AA- D-; A& ,(A(/-/ <(,1+H <A;-%A&-(-% - #AA-(-% A& ;/-A /H4/- ;A&(-% ;+<(-% A-<(/- <1(-+
-/F+%(-% A& - A/ /D<
,/A(/- - ,/E,-A (- ++ (;A(/-<- +;-(-% &/F A/ / A&(< F(A& A& ;(%&AG;(<<- &+1 H/D /<A;  &11H;+A(/-<&(1 F(A& H/D; ,(+4
- /-:A /;%A A& (,1/;A-
/ %// <+1 &H%(- - <A;<<,-%,-A4 /A& - &+1 A/ 1 A&F(%&A / - H/D; AD,,H A;(,4
8++)05"' ))1%+/(-% +/F'(-A-<(AH G;(< (- A&;+H E-(-% - &+1 1;/,/A %//<+1 5D+(AH 1;A(D+;+H ( H/D +</ <AHFH ;/, <;-<F&(& - (-A; ;
F(A& 1;/DA(/- / A& <+1 &/;,/-,+A/-(-4<A/;% / A H (-;<(-% ;/F- (1/<2 A3 A(<<D A&9%// A:A&A D<< D1
E;-(%&A ,+A/-(-  A< A&
-;%H ;A&; A&- <A/;(-% (A4 &(< +</;D< A& D,D+A(/- / 9:F&(A A (- A& /,(-+ ;%(/-A& F&/+ A &11-< A&;/D%&  1;/<< ++A&;,/%-<(< F&; A& /H D;-<
+/;(< A/ 1;/D &A4AA; H/D; <+1 5D+(AH A& %;A; A&<D<< / +( <AH+ (-A;E-A(/-< A/ /,A A <A/;%4- ;-A <ADH /D- A&A A&
2- +/F; <D%; (-A3 - (-;<A&;,/%-<(< DA A -(%&A (A - (-A; ;F(A& A& 1;/<< H ;D(-% ,+A/-(-1;/DA(/-4
/F'(-A-<(AD;(-% A& H ,/; (-A-< G;(<H G;(< /-
A& /A&; &-&< - <&/F- -/A A/(-A; ; F(A& A& ,+A/-(- ;(< A&A1;1;< H/D /; 4 7
!15011)''5")'D+(AH <+1 +</ &+1< <D11/;A F(%&A+/<<  /;A< H (<&;%(-% <A;<< &/;,/-<D(+A D1 D;(-% A& H4
- / A&< (-1;A(D+; /;A(</+&< - <&/F- A/
(-;< A <A/<A;<< &/;,/-<A/  ;-I( - (-A-< A/ &E - A4 H(-% ,(- D+ AA-A(/- A/G;(< (< +</ ;D(+ /; ;D(-%;% ;/D- A& F(<A4 6 - (A /<-:A -
H/D; ;A&(-% - A& 5D+(AH / H/D;,/E,-A - &E  (- A;,< / <A;<<4/D; (1&;%, - ;<A;(A ;A&(-%
/-%'A;, <A;<< A-< A/ +,1 D1;';&(-% (,1A
D1 (-A/ A& &<A - <&/D+;< F&;A& /DA';A& +</ /,< <&/;A-4(1&;%,A( ;A&(-% 2F&; F +A& ,/E,-A (-A/ A& ++H3 &< -<&/F- A/ A;(%%; /H ;+GA(/- ;<1/-<<
- ++/F A& <+/F; 1; ;A&(-% A&A- +/F; /;A(</+;%(<A;(-% A& ,/E,-A< <  <A;<< D+E-A - &+1< ;%D+A A& ,A/+(1 ;A&(-% <A/1< /D; /(< ;/,+E+< F&(+ G;(<(-%4
1;/<<< A&A ( F(%&A +/<<4 (- D+,/E,-A +</ &+1< A/ /<A; /HF;-<< E( A& E%D< -;E F&(&
/-A;(DA< A/ ;%D+A(-% <A;<<'(-D11A(A - <D%; ;E(-%< A&A - (-;< A<A/;% ;/D- A& F(<A4<)'5!)0
&- (A /,<- F(<AA&; (<  +/A / A+ / <A;-%A&-(-%A& /; ,D<+< F&(& ; <1(!++H581)&"'"1A/ A& <D;  / A& /,-4A F/;< A/ ;FA/ G;(<< AA&9<(G'1:,D<+ +/<&A A;%A A& ++H
A& <1(- /;F; - A/ A& + A - ;(%&A </ F-%% (A F&- ;F(-% (- <D& < F&- /(-%;D-&< - <('-(-%4 '50'%';50'%)%".8&81%1(%/-+ ,D<+< A&A ;/AA - <A(+(I A&A&
A/;</ F&(& ; +( AF- A& ;(< - 1+E(<4 &< -%% F&-F ;/AA -0'1901)&"'"1-A& A& /A&;<AF- A& ;/-A ;(< -+-%A&- A& <( / A& /H4/;<A ;/D- H/D; <(<A& 1 /; ,D<+
1+E(<4 A <A(+(I< H/D; A;D- D;(-% (</,A;(/-A;A(/-< <D& < A& 1+-F&; (A (<<A;-%A&- F(A&/DA &-%(-% +-%A&4DA F(A& ,/;- 1/<AD;+ &(A<
/ &D-&(-% /E; << - 1&/-<(A:< ;D(+ A&A -H G;(< /<-:A<(,1+H  A/ A&(<9D;+'(-:A--HH /E;'/-A;A(-% A& ;/-A /H- (%-/;(-% A& * /H4

1-(-% A& ++H A/ +-%A&- A&/,(-+< - /-A;A A&* ,D<+< (< < (,1/;A-AA/ A& F&/+ &+A& -11;- / A& F(<A ;
,('1+- - <A-(-% <5D-<!-  /,(-A(/- / #//;- &/F (A <D11/;A< A& /H/E F&- H/D <A-4

• A& /++/F(-% 1%< H/D:++
  / ,/A(/- ;/D- A& ,('/H4/E(-% (- ++ (;A(/-< ;/D-A& F(<A 2- <1(-3 1< A&(< ;<D11+ ;',/E(-% - ;<1/-<(E A/A/ &+1 H/D G1+/; A& D++ ;-%
  ,A/+( - A'<A/;(-% &-%<4+ ; A/ 1;A( /-<5D- A  A(, /; / ++ A&;(- /;; DA +FH< A A(, A/ D++H ;<A  A;F;4
  & #//; <5D-;A& (-A/ A& ++H /;  F&(+ - A&- ;&
  H(-% F(A& -< -A
  H/D;  /- A& (-&+A(/-4 G&+ A/+A A& ++H - &<A ;/1 F(<A /F- A/ A& %;/D-4A& -AD;+ ;&HA&, / H/D; ;A&/++/F A&< ,/A(/-< )D<A &(-
  ;(-% ,/A(/- (- A& <1(-- +AA(-% A& &,/E < +< ;(%&A4
  & - /- - G&+A(/- D;+ D1(-A/ H/D; ++H +( A(-% A& &F(A& A& &-< - <D11/;A(-%A& - H ;F(-% +/F<-A;+(- H/D;&-< &(- H/D;
  (- A/F; & /A&;4#//; - ;& A&  A/ +( A A& F(<A- D11;  / A& #//;4-&+ A/ /1- A& +/F< /DA A/ A&
  -  A; 0J A/ CJ H+< F(A&A& G&+ A /- +/FA/F; A& /11/<(A &(1(-&+(-%  /DA A/ -A;4/E AF-A&< ,/A(/-<
  -(-% H &/+(-% A&  ;& /;  F ;A&< A/ ;+< A& ++H4&- +A;-A <( A/ <(  /;
  ;F H/D; -< (-A/ H/D; &<A -;A& A&; A/ ;+< H/D; +/F; 4(A& -< A/%A&; (;+ A&, A/;A  ,<<%(-%  A /- A&+/F; !;<A (- /- (;A(/-
  - A&- A& /A&;4(-A/ A& &<A - <&/D+;< /- A&%;/D- ,/E H/D; -< <( A/ <((-A/  %-A+ AF(<A F&(& - ;-% ;/,(A& H/D; -< 1D++
  <,++; A/ +;%; -  %(- A/ + ++A& ,D<+< - <( ;/D- A& F(<A4(H+F(A&  /;F; ,/A(/- -H+ A& +%< < ( H/D ; 1+(-% 
  A&-  F; /-1+H(-% F(A&GA-(-% A& +%< < H/D F/D+1D<& /F- /-  1+4%;/D- < H/D ,/E A/ <D11/;A A&;F H/D; +/F; ;(< A/ A&
  +/F; *4(-A/ H/D; &<A4


• - G&+A(/- ;F H/D; *-<
  "  !  $8./
  '& <(

! $
    
$ &
 
& ($ $ $ 
&
 !$
$ 
&
)
! $ &   )
!!  $!  
(   & $ 
$ ( $ 

37 

   4;+) ,, ,,   4;+) 

 36

 
 

 
 
A(-% F++ -/A /++/F(-% A& D<D+ <D%;H &(%&+H1;/<<1% <A' // A-% (A /(-%H/% - ,(AA(-%, &; <(ADA(/- ++ A& ,/;1DII+(-%4DA -/ ,AA; &/F ,D& <& ;!- &;& A A&A <& F< ,(- D+ /DA &; &+A&
(A - </D%&A /DA -AD;+ -<F;< +( E(A,(-< -<D11+,-A< -/A&(-% &  +/-%'A;,  A /- A&G&D<A(/- A&A F< ;1(+H /,(-% (+(AA(-%4<1(++H )/(-A - ,D<+ 1(-47A F< +(  F< & F< +</ G1;(-(-%  +/A / /H 1(-
CJ'H;'/+ (-  .J'H;'/+:< /H8<& <H<47 F/D+<A;D%%+ A/ %A /DA / 4  F/D+ <A;D%%+ A/ +( A  AA+/ FA; A/ ,  D1 / A /; ,H<+ 4  F/D+ <A;D%%+A/ F+ 0J ,(-DA< /F- A& ;/ F(A&/DA +(-%</+DA+H G&D<A - 1D  /DA48
(- /-<A-A 1(-4 D< &; (,,D- <H<A, F</,1;/,(< <& D%&A /+< <(+H4 ; (%<A(E<H<A, F< ++ /E; A& ,1 - <& G1;(-(;;(A+ /F+ <H-;/,4; 1;(/ F< (;;%D+;4- (A(/-<& /D+-:A <+1 D< <& F<
<(++H (A <, < ( ++ / &; /H D-A(/-< F;(-%  A4A& 1&H<(/A&;1(<A< <& F< <(-% /;  <1/;A< (-)D;H<D%%<A A&A <& %/ A/ A& /A/; - %A &(-++H D;(-% &; <-(/; H; (- &(%& <&//+ /- /
A/ < F&A&; <& & ((/23 AA; -/F- < &;-/D%&  %-;+ 1;A(A(/-; ( </, A<A(-% -(%-/< &; F(A&  - !;/,H+%(41A&(/-( A(%D <H-&;/-( A(%D;/,4 D;
- H/D:; )D<A %/(-% A/ &E A/ +;- A/ +(E F(A& (A -,-% (A4
<( ;/, A&AA&;:< -/A ,D& F - /4:
-  ;,,; <(AA(-% A&; (- A& ;&D,A/+/%(<A:<7 F< A/+9/D:; %/(-% A/&E A&< (<<D< /;E;
/ ! <  H/D-% 1;</- A&(-(-%9&A:< )D<A -/A -/1A(/-4 &A:< -/A &11-(-% A/ ,:8

( & !(1(713&!0(#3#(71#(50&5(3#&1!5(3!31!5&3,#3797#3!- 3
(3(0,031
$:  5
.$" 58 /;".$!
<A/;H <A;A F&- <& F<(- &(%& <&//+  &(%&+HA(E <AD-A F&/ 1A
- 1+H <1/;A< < F++ < F/;(-% A <E;+ )/<  A; <&//+ /;1/A ,/-H4 DA H &; <-(/; H; <& F< <AD%%+(-% F(A& +(-%< / D1 /- &; ,( F/;
/,1+A /E;F&+,(-% A(%D A&A <& )D<A /D+-:A <&4

-%+
/&-</-:<
 F< (-  E;H ED+-;+ 1/<(A(/-4 A %/A A/ A& 1/(-A F&;  (-:A ;++H,H<+ -H,/;4  F< /-+H 0> A&; F; ++ A&< A&(-%<  F-A A/ / </(7A F< +( ,H /H )D<A ( A/ %(E D18<& <H<47 +A +(;/%-(I++H - 
)D<A /D+-:A 1 D148 F< +;H ,(AA(-%3 DA A&H (-:A %(E &; -H<D%%<A(/-< /DA F&A A/ / /; F&; A/ %/4 &H +</& /A/;< A/+ &; A/ A;H ;+GA(/- A&-(5D< 2<&
A/+ &; A/ &-% &; (A - , <D; A&A <& A&+A& D++H F&(& <& F< +;H /(-% -HFH47&AF< /DA (A4 &H (-:A ;++H A++ , -HA&(-%)D<A9/,  (- 0C ,/-A&< - F:++ & H/D; +//4:8
&&"50%"+(-% +/<A - +/- 1;(A+H A& (+H A(%D -1(- - (-% D-+ A/ 1 D1 F(A& -H / &; ;(-</; +<<,A< 1+H F(A& &; & -
-%+ %-A/ <A;D%%+ F(A& E;';-(-% ,-A+ - ,/A(/-+
A;/D+< < F++4<& F< A/+ F/D+ +</ &+1 F(A& A& 1(- <& /D-A&A A& ,(A(/-< , </+DA+H -/ ( ;- A/&; <H,1A/,< /-+H (-% <(' A< +( &/;;(!+ /- ++ (-< / ( ;-A -A(1;<<-A< A&A
-(%&A,;< A/ &; +(<A / %;/F(-% 1;/+,<4A&-  ( / / A&,8
-%+ +A +( : + A ,H /H +(  F<-:A E- &;48
-H F&(+ <& F< ;(E(-%<& & A& A&/D%&A / F&A7 +A E- ,/; 1;<< /- A&<H<47 )D<A /,1+A+H-A(1;<<-A<
F/D+ (A  +( A/ ;D- (-A/  A; - - (A ++4 F< A/+9
  

   
 




,$:  5 .$" 58-
'& 27(

  
& $ $$!
 

$'   $! 
 
   
 
$  $ $! $  $  ( !

!
'
$ ! $$ (   $! %" &

3

   4;+) ,, ,,   4;+) 

2

 

 
 
 
/-<D,(-% +;H ;%D+;+H - / /;D< A/ ;E+ ++;+(I< F&A  -DA;(A(/-+ 1/F;&/D<+;H (< D-&;A A;;(A/;H4 A:<D-;<AD(4&; (< -/A HA-/D%& ;<;& /DA F&A/ (A< -!A<</ -//H
(A (<4F(A(-% /;  ;(%/;/D< 1;';E(F<ADH /- A&  A< / ;(-(-% 0?
< / A&(< F;(A(-% A& F/;+ (< <A(++
/D-< / ;<& +;H )D( (+H /- -,1AH <A/,&4,/<A+H D< ;/-A< 2< /G 1%GG34(+ ;<;& - <(- F(++&/< <AD(< A&A ; &+A&';+A
</,H A& D1 F(A& A& ,(++(/-</ 1/1+ F&/ &E /D- &+(-%F(A& +;H )D( A& /-< F&/ &E(</E; ,/; -;%H - <A,(-
A&- E; ;E;< &;/-( - DA/-(A(/-< +( - %/AA- A&(; +(E<4&H F(++ !- A&A +;H )D( (<
/)A(E+H &+(-% ,((- / /D;A(,4!%0<#8"%'1(;<AH/D - A/ /,,(A A/ A +<A  D++
,/-A& / ;(-(-% +;H )D( E;H HF&- H/D %A D14 A- A/ &E  +/AA&A -< A/  ;<< (- /D; /(<4:E %/A A& /+  ;-( A<
- &;- 1;/A(-< /- A& (-A<A(-++(-(-%<= A& <+D%%(<& <A%--A +(E;<!++ F(A& 1<A((< 1&;,DA(+<1+<A(< /A&; 1A;/+D, A< A/G( (< ;/, A& %DA= &(%& +//<A/; A/G(
A/G((AH - +EA +// A= 1+D< A&<AA / &;/-( &H;A(/- (- F&(&,/<A 1/1+ +(E4 &- A&; ; ++ / A& 1A&/%-< +( E(;D<< - A;(
<(AA(-% (- /D; %DA< +/- -/A A/ ,-A(/-(- /D; +//<A;,< - ,/;4
+5")'%%&)')0%"&:50
 /; H/D ;(- H& ,/;-(-% D;(-% A&(< +-< H/D&E A& /1A(/- / ;(-(-% +,/- /;+(, FA; 2/; 1+(- FA;3 !;<A D1/-F(-%4
%// ,/D-A (< BC /D-<4/D; +;H )D(
&(< %(E< A& +(E;  +-<(-% !;<A A&(-%(- A& ,/;-(-%4F(A A +<A 0" A/ CJ ,(-DA< - (++H H/D %/ A&(< ;/DA , <D; H/D
BJ ,(-DA< /; </  A; !-(<&(-% H/D;FA;  /; H/D <A;A <(11(-% H/D;
 .;
8
.$ $.
;&+

(3(9#&&#'3!.'#&'#5'/&59!13*&&97*&0#3#1!1
83&&'##(&,0,03#1&0913!'#0&50503#'-0/1!#1&(1(
3!6#(3!510
+;H )D( </ H/D /-:A (+DA A& )D((- H/D; <H<A,4+;H )D( H/D /-:A - A/ <A;A F(A& A&(< (< H/D; E;H !;<A A(, F(A&
0? /D-<4/D /D+ %(- F(A& $ /; /D-< - F/; H/D; FH D1 +(AA+ (A E;H H D-A(+ H/D ;&A& D++ <;E(-% <(I4
A+(-% /DA 0? /D-< / 1D; ;<& D-D+A;A+;H )D( -/A +;H 
< +FH< F ;
A/  <,//A&(4&(< (<  <F&; <(,1+<A (< <A4&&00$15
A +<A 0" A/ CJ ,(-DA<-
(++H  D++ BJ ,(-DA< /;,/; A; !-(<&(-% H/D; +;H)D( (A:< A(, A/ A ; <A4+;H )D( (<  ,((-+ ;(-
-/A  +/;( </D; </ H/D:; %/(-%A/ - </, D+ A/ %A A&;/D%&A& ;<A / H/D; ,/;-(-%4; H/D; <A /1A(/-<4;<& ;D(A /;  ;D(A <,//A&(
+/;(< ;/, A 2(-+D(-%-DA< 1-DA DAA; << /(+//-DA %%< -DA ,(+ </H
E/( //< A&A %A A&(;
,(+ (;H ,(+ DAA; ;,&< H/%D;A - /A&; (;H&(- ,A !<& !<& /(+1<D+</- <D<% -
&,3 /; ; <A D;(-% A&+-<4 A< H/D; +(E; ,D<A <F(A& /E;A/ 1;/D(-% ,1+ (+ A/ <-
< <//- < H/D A /; ;(-
A/ H/D; (-A<A(-+ A;A A/ &+1H/D (%<A - (<1;< A&,4

A/1 / F&(& H/D; +(E; ,D<A 1;/<< AA&A:< -A;(-% A& /;%- A&;/D%& A&+//<A;, - +</ <A/; </, (A </A& &;A /<-:A %A /,; F(A&
A// &(%& - +EA(/- / +// A4
++/ A&(< (-A;;D1A< H/D; /H:< -AD;+,/;-(-% +-< <AA4;(-(-% +;H )D( /- - ,1AH
<A/,& F(A& -/ A< - A&-A&A +E< ;//, /; A& </(D, +D<A;<(- +;H )D( A/ + F(A& %DA 1A&/%-<<AH(-% A' ; /;  F &/D;<  A;
- (-#,,A(/-1;/+,< A&A ;&(- <H,1A/,< - /-(A(/-< <D&< <,++ (-A<A(-+ A;(+ /E;%;/FA&2
3 (E;A(D+(A(< +( (<</+(A(< +/A(-% - /-<A(1A(/-4(A&
A< (- A& ,/;-(-% (A +;H )D(- +/< (A< /11/;AD-(AH A/ (++ / A&<D%< ;(< &H;/&+/;( ( A/ -!A(%<A(/- - ;<A/; A& +(E;4
/ ++ / (A< )/< <AH FH ;/, A< D-A(+/ %(E H/D; +;H )D(  &- A/A +<A +D-&A(, - !++ D1/- -/D;(<&(-% /;A( H(-% ;D(A F(A& + H %;-<
(- A& ,/;-(-% </, <A,1/AA/< <FA 1/AA/< /;-/A&; &-H /1A(/-4
A;( <(;4
A,+ (<
A//4,,; -DAA;< /(+<E//< /; -(,+1;/A(-< (- A& ,/;-(-%4F(-A; <5D<& /D+ &(A A& <1/A/ -DA< << -DA
A&;/D%&/DA A& H4 <D; A/ <AH &H;A

)3-'$#-96!  '.3 '8-6# !!%'6-!$9
%3'%9!##!$9'6.
  4 ;+) 2


 % (^76) 3!A8.!2.61.62A0!ABA!LJQQ(C7"Q($",A2!BJQ7QJD5EJ$D" 3H
3!AJQQ5C7J757"$J(.6,.2.68,OB
HJQ7JC7"JI(5I$EQC 613!AJQQEC(DE
^2 %<^1 #61
66
KHA.JQQ"C("I"5$5(
H,368,A261JQ7C7(77QI7$5
,A2,A261JQQ5CE77QED$DD
KHA !HA.6LB.BJQQ5C75"$7.!H!BA!JQ7QCII7E55$DQ( BHA6!3H!A61JQ7JC7J5
 .; 8 .$ $. ;&+
'& 2(
   
$! !
$$ 
!&
 & 


 
) ! $ $ 
&!  $ ( 
!
$$   ! 
$' ! &! 
'!$$
$
!  !  $ (  
 
! 
!  $  $
,$:  5
/!$5$-/ //-
!6A+.!33AMB'H3!BB6,
M,6BK!31O%6K3,!AB!1%H.A!11H,!
H.2!; L!3HK11OB,!MB.+36B!M.H,
B,.26H6@B.B!B!KHB,!6L!A2!
,!A.113!BB3A!+K1H!,!AH,OA6.
H,A6K+,K3.<K!2.3-6O88A6,;
H! 63H3A!86AHB;
 " :5 ;$8.
$:"  $$
BH!6AH,A.H.B.BBH.118KPP1!H626!A3
2!..3!3BBK2!H6!H,!A!BK1H
6%?M!A3H!A;@KH62.3H.636%
.3/!H!,O1KA63..38H.!3H@B
6M381H!1!H-A.,81B2.B8A6L.3+
H6!63!6%H,!26BH,!
HA!H2!3HB+6.3+;

8. :5 5
$!!$" $ 
!2O36H!1!H6K
H,!6226361KHH,
61L.AKB.HB!1%.B!.3+K
B8A62.B.3+HA!H2!3
%6A3!AO1!AH.3+3
H.LH.3+H,!.22K3!
BOBH!2+.3BHLA.!HO
6%HK26AB; AO3K
P!A6B.363H,.B8A62.B.3
3!MH,!A8O;
58. !
/$$

1H!A3H.L!BH,HM6A0
%6A861OOBH.6LA.3BO3A62!3H!!H,
+A.3.3+;

:5.  5./
KA!1H,O,688.3+B1!KH,
633L3B
B,6MBO6K,6MH6,L!,!1H,OMH!A
1MOBOO6KAB.!M.H,H,!!BH8.06%
MH!A6HH1!B63H.3.3+H,!.A6M3'1H!AB;

5)07=*(

'1%0)&+5&073
.B 8 A 6 L. 3 +
! 1. 3 +

+
KA!
,!
KB!
3 H
3 
O
A
3 +
"