ࡱ>     `!id*I6l<5)Y'nixڄuܖEӰwvv/onIDZ@EA)ܜFLctgecʅ3!(ol "(g#_ d&<Ͽm?,bLpT%jRc3;M#hqSOLm-cjR^]+ZT6.40e141iIL|L4ƌї}oY/mt&6e-'m}h;;HVi̮%v,e! #o_<̵\α !9Av̦ւ[ @>Y!=<bI^(J~>1E)MIX%SYϛz5mM?c.3Nwo2bfE7]渮1tbHg:׼YFtM1$M08 BI7TpMM74]7tsȌrq٬v&ls{nu>wម.H&j?D?O&kb&fbK&?o&?n#&?h&gC:wTGM#tgPLߙG?0'sͿ0{{yc{Rl D TX680\HA)-%b gj恎u`mk;6΁K6Ϸ[;rh@Umm m8׵I6   $rui\@vW3PUuU5]@W.ޕ v\W$0,ry\F=2vt.$ w1!B3p}݀~;=a_M.gWZvd3]/ʇ1 ` JFr[*jizZHhiդ6^RkG=e:X6p٫夎:^Dy/,@87YA\H&I HC&.vLn=5KSv1B.v1!>$.p%]~HfW1$++I]9I*0oE Q\%p `(7ZA^3-:#-+wM--i)%cZDvhnق6hYe[d&yX&Fx2]4)5DY7jx^Fp52D?A׷&2=z]i:B{h _Ash ;Tmw;ȗ}Dmz>'z4A(lD!I1$)$EO"3F_ڏޗ(ߗh|0i]CBff4StXkό: fN0ud7t3'F{-ƺSi Fټ9dpR4{xȞ^ q4q}l,22szu0{8N^s nX#oNEE]1 u2i}=2ىًOKc)>_ s^ʸYʺRŁ RS+%ň E\i"KHNWS:D5"4p-$kE$ъhR~6WrD+"7ZR1-hNM1M3RM'PN$~s7[ݣo "ʼn&%0aDZ*i6FaXWZ_:i dvڗH5H0٭$yu H& ō'# EgH)Iy7X*Rvݥ" ]GiIS"~sҵV讧)\UYJIWyO"C=rOʚhfZ,l1,eXJX `;샣p. )[@wxwD Xw&OnCg?*-ˠp]9~>ΰB.$>Yz.(9FHﲠ, A\Q p`]6,. _O??BY}tNA}ZkBE(E)hV2fdf&fůc@(dQ8i{ MnkJ m1]:e0\&Se!CnZfk&f+hf+jf+i2fC>Wլq5ZWun$"?k E!T6Q%"I}dI#IjQ2@^r@^(#H1(E}YV1-}<JTȧ>4$m|iJGMBw]zJ>idO!|TWdY's}zy\= e6S[3޿6чL/LbZ7M],(&ms'j2?y~jHIufsios-q؞pu)W՞qe9W^p9%^uw.wɏ*S|n\wZ{.s.kcκfr5StD̲AwYi>9)߻;M=ړ2ɷš 5 Y*XQ9VUT_i,g uTSqO"IQ6<\3}ͧ۴z2=32q3y'f"rLb-ȭ'pLq76܇ PoFsS2a47Q9upt_/Nn.tqI#'p{r6.|-8BcRTR:|W,mW1C3wy-BdYsΤOd<6$d|'%MFFF nĩow?un÷ǟmozS-#rlIq_=:h]Md~}iOddө0f\Y:{4S^'821:HEߑd#?" , 4PjCu %(_!y܉i8I&L!5'3yƦ}\_V.$X!wJdM-sȁfq}|fI 9qOQ0uu\pr^#Hp B2&+!A⺒DžAI,WIbj`$'QD崉B6ٵН>P? Tfo>*Z[w;}`}e X#x:\A #[s*s+G&=ztrXv YkS=Aޙ +O7$Dz)]\ǖGTeO*ar9,:fpk OsE;l)6x a(7##_TN>Aք٫ M!3dǞ<@ (=1mMQmek;{H;ك>vuݥ#cN[tݤ3a]+jX+]EjU~3dOf{^[Mfx On/x;{[6mmzݭ1J-E0,ʧS?va}ƄH@fB! />qíq.̓bPR)~R@J>#yҳ]J6%YdQ m:lZHyԠt6=zM>3|Xn3Zh3+#zɄ.nrC^ N[}]YZ>5[1ךhϾtbW2MQ.ga;N10C =3Ч)cԵ=zk~hB;PQkn-qtCuOz#_"w{˙0t6Gl"MVh@k$7FUskd-괻Y낆{Q_ֹEt.s1]m ]\\_T|\H$%յ.nqtK]:=2Yol.w BjOܚ>V𙴆O |JmjX;Ӟ>>.㵠otAw?X+|Ou{ ^QFuq9^pGv|TGwI}Lry|WsOzD? 0tWn/V\C;P BH !&D7+;uU8{`#,0 F6n( t4S6@h-|C[OD[);J&mÓ6Ex =C]Ct cvS1_knI guL$(GT({lQKtg@v3Q$DD8D5*kDZ=Aׂ|WSu(^0w4^zLrKʏ[~rCZܢ\њrIEmٚ<q:摏ͅ43a*$r y6LOvm+{Pc9րrHZBrNi797|=, ٦)8ÂpP30 *`9ڍژ%J:qvkc?R圣K9GS[$,f*3,.dg4ʧpNX;ZG4̛N Y@8 3 _!: 87fPgǫqtf\\vw'4R'ۈK;s:nȺ["Q uQ/O_c#B,Hd 3䱆5Z zGV[@;+0)m5xU<27E#e18!nRoM%"$ E}x\þ`_)KC[ n C.) ĄbOC?H($E)wS2Iӣ d&!u( }e#-)u}&HB,A}ξ8GC;n ٶWb;ٟmW?پdG;ްvjv`v=k7Sv=nw٣v=dߓv/5EuZܴ[mQ7v}H_*.'s;;~`&9$ߌEǣ3dob' ٟ$&Լ,ui^_Ndosq~ ysANȡGm6=Fx|8㜠I= .N rA3;'{`4yn۷=:|~{(e&)q[ 6UK"%TB!7䃂PCIPNeNjZGjksцd>B [C{ = nQ0VsnͻD&[qҞX']BLzp3+a7!6C@яGn;ds苲ȱQv},xGS̐/x#}/xskߒ\#56l6e6+` +lK", Pՠuui峍iߌ~-\j0V;vpl'R@R%\<Ŷ=\tE ¿܂?׽׼/n/Sg.]v?sC~(M}iH]n5R[vwUHYwY¸u"PPv wIx&,.i]q6|R~&d ލwq@;8sofm{=]ggӱIxlc 62Rdzd8 MB6tb2iLs`ieT&ܰimLCmbh hm=tzЦ7}_S@MLUMseM-G NdN9΢nhq~k`a+{ }O19iWx^(\?R~<?B?EHt7=hU 9̜ >49Ƚcf^3{sыfs4N9'Szoun3sC7XM] x_AR=: e\Йlqz>C0{vX#CGh<-٧ .2ֆZ[+Zd% Y٬F-hX a0kS`7caa0@ѯ7u¦ cwF;~ rbJl\,I%K$\26 ^ ) ]Ai¤,\}"Ckz@7\2͕an9lnp{3p.ZX#%J)B\)f9X) #]7k1uU0%?2t$+$i]^֔ec+%DuiCdUHh"(tYC`w5&"d׉WQ5Q;-I"q"9,A)!%$f3Be%}3Frwxy8+ݷYT%Bz4B){'r"J%Z@VCD}OGh!@("Ѵ0>cW0N1c{!sxIPwARӑ9;P".'T,iضv)m+N.mrr9R+k ~8+sVTb ,@Yrr6+c6+i3F[ }iJ+ϟ<;a~Ԥ{MlhB-'34=ȉ[;qz.u-N89sj8(8yV2MғL э wzGU79iI<{N%ٮc?kLakz{^3wҼOwɝ썖XWцC\5հ\-&kz6k`S&6kjӺ6ke36読\#:l.d]m(% UM%V_Maو2W Ẉmtpmg..7FVl.=6,#^u l?~d!]La lA 7dCsM5ljpAd?OGĎƏRKNɈϤwC(ǯao!E}#7ǫd9{}FV;i,k|=eN&2I:a :JHedVfTidӴ0,?h2/YH^l*YgtO'"MȌ3^c2c hM9Ё.НvܻBdv:"{gس`tdŽY_?:w!,B%ȷ-g+Y*ֽ%^' u,E_ k/z;(N!_sr,_ݐ7{,Y'F(Ķ ⲷ !1$s?I>3hv i^bRA2֢ĩī0,1sq j![bb6kM|m#tq`xnUӍw'O\]3i'M;pG"[ѐI5|/yukh͡i(C3x姨?I?$rd 9˅lgm-\d:ž_?c7ϰWG(\4 h A*PA;]_ #aL0f¬3(&kWFsCU5Li=ŦWZB_jSssͨhj}IwiLO4E | 5vOgVgތ~>0;rWԮ5%6rW47a4oY|KtRS$ HhTj Yġ2L몯Uu ,}ȲϮ)pΧoYET/D_>Q?pz˫FO]nU8 =6rX`LI0^S8سh^I9`?n_~xb/F[1}=߆1_yǟ{aa G#܂p3O)mWe$2n1u#:\=Vc_+rƮeuo;=Nc!NB؃Ɍ3=@"8ӰLoϡ_|:e Wj[kBN ~QE$'*kYBZ)4 䮩'MJ5DtQG#:O#G}w&{k27&Ԑoxo6kv\̗9,+1W 9ƖEkؐ~3Q_&$s4W9~1Y!;sM.C}^p)=O?S/v$72d^hMm(h,)0a%´#tR#Jiڌ)N!sg]*kw.>~ sj鳓cTQ[F) M1*EkR !KAd*;tZS=屴3t[@K$>kNړj}I}*֕̐rAG} S䭝 yiGvxN}jLElf˯Z|@=;]ƽG[ߢn'wB~)c~?(.F/{]ltHr}˄h=57 tA0HpAdٱ,) zk˸DC8k{{K>_?!`0cmaa[Kp /Bs gI =/[L*w7?p.8O3I3ai?eră&ۂl6EFSm0zSޭ3:4dоҿa䎘!N= 9Fkfi"X0Ƹoh7|'2g >0[xiC@wż)Ӊcۇ{L@*P] SW ./sCɆ޲,:M&=gt7Gm}O>_~ihO< qW駁* bE)+zK訴{ xOMI_q(mD(vP WC`?l{{~v:`_hM]l ԇ:P j`UHr-=}25/ʠ mtS=}x=>|cĐ(?EČcćS uASAh- =o ܄l뻝ajհ*PAi(Iy1(BɃd̛dV2"_z'=[O}#C)n~V7s +pI7Ss6aԗf2;٢}oGsZYNj8H2] [d4M&CȍLGJ/r57䑑<>!Gԓ4L4M.34քbǔ<֗׬>Q?4n{hXDY'HWtWzC_@,٠-ó\҄;  | W;Z#ّ lv淃>i G裧=m7dN.Epc`ؓ6 _$hm+]bAl31{֐l-츚t-mIh &W7<ۚ%MlF_$Ǿ+c_~ {2dXs BC?jc1: 㟶)!-d祾mKd;h+>[1ND-m#vZMW;ȗ]u.hڣvQj4NCy6ZOh(uNօ:]lݮ _'u^zMWM]wt>CxOzCE]tүȸtvڌjUy iͥ鵯>#I,kzz//|eȬsO',&XF^a&rJwzDIsp 6}xHn Krx4qmM6A5R֚M`'D:&!v$%&îc) !I)O8lLbktbKbVD4m@vH 2u-቗?>zO-7$:kW$&Nz 1v Ύ!'L"LYěywx>>Sa{阽`Oٳ{~kKjvI[D{v}`w2v~2!$8󎲪ꨍDhzBA4G6IwSvٜ OωBu1rM *D!hvsSp |caŚv7K~!zLZLBSch= gFH]Xh[޵^^d| F18r,eG|f݇)=a3De[h/;U|Ok$ӐrǾF_ Ǟ"Jvc/{o Ƈ$E;_]m~fju/"co[Q*xSuO6cy4'k4ŎLJC)؎q9~/vNuY8q}Ù׽{{}7ܿ3Y};M콦kAZG>6Q|4|t >?{Ү>vqhO'Ԛ>VI4'B>' Q:GwC[o:|E.tu [\8]缮pN:E!>`IxW|`8AAɉ9Φn٧y<+j<ȗ3h ukI0&8g7~GѶo8^9Nk[{L"YUwpl)/ {}C7D^վva7-k{|oknd/J~2>#FF32?䔿Op(fr^Խ@VpNIʎ 7ȗ\6z- U3XY[DablV# j" S"Kߓ+Țs;&ʭ[sjQ-$'wyZKimmzkVM+oiEh7#=kqGIN_ǘ<JNyK=қ^~<"o7f:0]-fMw c.a%vTH˟f,f),y:sg4 `A!f8 zA{_`c`L̂9:ׁ59^AY4IN4uiM}eBm (u)SxbЧN6Uy.VkJh KBT16$bc-."M\56޽uq?jwSV n,sa,uy^Ё5m-To9clrdsP\PZ7lud dk*;W^vn͂ 6^.po\<_;}{pvdw.bf;: 1m'eLCn)0V7pLwOdsb.Ry.] %..wJWӮvخu8{[ڲ'm٣Zr7]}{UG\y{'\{eg\{ϱoYW ػ 0llGsnE3v{w՗g2rԕF]9U} cٚ;EƻU7ZC/߻["7 S~p8 7؛.Q %$Iiu r]^{b+er^vU>Sj箆˕x?KiOdǶG)<;p.98 Gݰ3{D>8 )8'Ik߄{?ѿw/lD ClHI 942|zŧQ}jXKKؤ>M>MfHF*ɋ<)JaL"1CR¯~,R~),0a~Ҵ)úRuV@GRU؊>-2b>-sܾ >̦l_lL_5ձ|=}!Ԉ= ׾pįnR'uZۥֈܶW<).ozrQhm{!#y#5NnXaa24uO1ac/b:cA܃)Cq Z;ܽRXH)V w(N~-yo>ܳe{½`bM)pRSUKXZk92S W[Nby`#`8rWU {rj\+AW.UW._NHkZ#9vP>t5窨_2tE8+rq:S`N2rBv, ~la;ɯm6ϵw3߽愝%\n澑:Ʈts%d+-c]yd.Qt lk*w\syZKR>^ 5 LyM$XRy$@҃ ^C\fh:H:\/IC"ApIꍖD %p9O, ]k>u1ZRt((b|?&dVG?$WA;@z_8y8;M[tM_7K.'v/ć\B=]xS愷?;Q[bZ[ HAC>a!W^*w'x+ʛܷ+]^R"r q B(Խe5t/i{A?DMŽ(}Q(z/.+zgy1G=97[i1g;M=lK6ov/- < Oٱ`:N5Y1g90wп ?(B]R@ Ӕ?sukb\KekW۹ѕ.4w=AoCyGAv$ڙRTi23AGCN6{AwA8:#eVl Y K`#jEXE\}e΂Q>Q7 㔐set.&N 󤰑d76v= ){@}{T T}5velR7 ᰯhc$s9lgH(3Ouh{HcHwF.Q P]DLŐ^]ESvnQ:KbL1hJycGL,6:Nv:k;b;J7mݱt~~zlv^)ze]v#`/}Ob1AuOS_XR$A,3džhA ڽ#;CmpNU_t9䟳|F"7?Bx9\;>|"{EчeVkڀFŻ'n7q{XB>#\?^܃!k=Vfr!ܭ8is7S=; }jo{ MB'I7>m>; c}xUӾCwɊa\([c-B+0 ͱh74rQ_ X6jlT2Se Zi(@KN,&&k&8-fD^Fj&όzN6YNʌ>@a,84Jat+K3Ͷ J[Zg2|2-IH4pEmPjeEPU@/ڇBڋRXOJh=(uxFS<ЮKWU? h@zh4FB[ ol z:5fSKQc][Xq.,ycY1-.` Xg+`k+зO>mEUu;T[S}]MMu)yW'pGu4F\*$(͢6ZDvA[Ml-.*f6=J-; 5#&XMc:n}mwl5k@G?y4(Q8S~1F`:na`.R>uu7<6ւϨ].g찃t6:}ڃ~oA[2'-ޘ4 zi"=FbNGPnNö:Zj ]Lut9UT]QnJCWOJO>b?ߒw{zQ꧇hAt'm @vk['nnh?׭$BwIl|aʂ NbBߗ~j4)X:]U  OהGLSrqǥP\p~+yXj8VSZ-N pu㗸>jm~W:_Ъ|ZqćeyZh1ҢV j4//xfzIkBxj<\gl0_h <Q~BαB6Xm[Nh>>]rG+#B+[\?ŜIJrDqKr*+ e sӾ܈Aem!"Nf9.t,N?(^Cy#+[[rWmǭ0?M2׃ϪU`.,L)M%5).9/ ?UD?R览O@4 n Ջ<8 NP1ﰖKTJ>Cw#r7EY֯7.˙և|>RO|g'|ax}t#$ep^)p {NG*Y\Kf =# KGHw!ӻJK3W#iO:O=|nϤ>odݔ3N4,,Dv)ك~Гr}:1KU_Wߓaó5WbyS={UۆYgn rMl62د`'~2Zl,[V Y6om8zHk(Yzei*,m'r`e,Vܜ3Y {͏>~c5\BslLfǚjjv_=Mlw5nk|q28}NǗl{C`/omlv൰^cKճ@{KU^K핶4^qP| rl R [*0 <Mx . =7t{Ok}#Q:hg =pKhw]Ar ݧ@ ^"{מX 8}V>XqcqA0s cCw8hi\aY?+1k{7~=F__ϫ Η#ƶ1"U?\#o-OpڹWTԖ9_fܰ-Y=v vK1_2"#V:bB}cQ2 =t$}%s<7#I@ϡ˗z~e=-< $IIRy^ p )-.CigeAEgu,k`ɼfkm  ^{@}`mDa7̲̂ n,|#+%tN pRoM@SeawleQ]ȩ": zkdg)7䟠j)SV{l%"" 65j,|03Pf}G^F'b>&|F3' NsAVexx")4I_xh0 ;zn #A{qDZۂA`?J2DLcQvR{ڵy1|;Cm{:]+E73"V7_ +A:y-@PHHIy+@My' A+y/@ P(x$T0(S?7WGCpȏWI7y*4G+偔R䑻 9G=~(W'r^~!la,?bLJ́9Mwi7upEp.w\3(G#l7 4ضPEQ[KmeQgGm6HjiӨM6ocmq>C?} MKяEG_fH0{ '>*xK2nX=Oz_OXlȳh?8RDL8bq8/!⪤9K Rq.|>b&Xe ;~)Α4:WBI%O+$ky}(uVgIi$A~2 D@ U`9Xy`}7}*NX01Gbu|I9 !'.["]J$TeāDQ@:A>į6=<k$._`AqѿxM误]1+m E'@d@Upx%hT' w bG# a=|8 .笄iXi\Ϡ9X%2 ОQ=P Ԁ̪HlWf+ܿ} O93+# a};CEmVVi3+M6BVVZeU*V]+YM-gPC1♦5G,BC%֚6 $@z&F$ rC^*اЬ U!"|VB EPPG E_/5/ʅX)fBV+As終w-۵Fi)]%tZL'j֢:L`?4L h5?&j#6@CnWhSC(AV{PDit^HcNէ;1O:еy1Q@+I^J^Z2MC$}<55͓nFi\ۭ(Zu[:6hOFm6k36u[|ޥ^mhKwiwJۺs]vt7=@hD#t/u{]m ".FtD+?QVQK:v~'"_F4Q~Q}81D''v UwEzݝl2{eGK28(zM-kk.QxD)J#fوH "\d"UJV؍aDz; "ۈY>E2"2zgY7ywjzgy묻7z}lW&{l"[U"kf[Yyj ^3/D:{77v:-jtsoFa\ȥ\kEƹ"e^RNGwctFF:~ͣe."T&[P#7jQTypXJ2)J&  FFn7Oapop t');N鑗(Wj1'MDq΋8 )v]@wЛr [S.Ƃ B A01pn݉:{!ʇ&?b1 l(bbmpq} gH{">/MrPIq ĥ59Tc43k^N9ZiN9@+s|q&Һ8{C3k3[|J8&Dćda`!80S2Qv% Qw ,38+| g+Zg;JQ|[-7ev هrE|YE97᳈+N3~~"'%H o \C䖿9*堄~"IفXaԕ(i*kD"sdNdqhdLH cPcj;Ji,bVSbY]g?Hk$$?念Z[ vK :piA0eIjQw$YH[ Nt3En]N ا;7\;vף\Paȯb~vcbczH Qɧ$\ [S|zRBӿ=D2 Wu}8( A ;)챨"m̱2F,*3mDZ?n=euɘq1VCFZEneASXoHĽͽ8{0tgxg(waFqph`!"\sy(jrnKo8!~C7Z^Kx:{ nݹڀi ᭊsq-o \Hs}%DZ~[C9'UVx+U|OVI8U/U\ Ro/!Ni?U҄JS.x4!Ҋ{K,tҍkJ7+-9^G+xy/(Ocx5?q+^ @M^a( JJ. J 2. R䆴SL$F=]PR9O(Օ]O6优vt,5kGsm5Z {9鲆UJ{֧[ڐhS-vt_; i{m칷V7uk:|e,G$O(?B,Zm@7bvIWtOgWGkw!%@߮/GWJj[(S*[Mle߇B6JY$T4H  l 4*lkiElB^di1Z6p"~^jC?;D yby eIxy'ZZgx0ʃ,;VNx\rȃX?/o[hV-w,EVZMax5hOh7O!hGle϶`v \y='2@, )S2LL2ֲ(x1 EADX1P\ZIP޲.c6^\zv ޷=p&-᝛hi.ic V^;RᵿŎ"$ l@Ff담`lowܐ- ĈSia B@AP:E@nc0,K RAdIGe ¾V2ÚX>kiEVź[]klu!ˆ`ecmM1V8vญ^wC^#ZJk2Aܧnynu,$n%w,dpYVٲ.,etߢLV B X<'J >v}۶JoBfMӋ6Y1laÆ&е_WXo]`uu֩^[ e uaPb}`8tivyN~eZV\&O`?Z/YRk\ Ref m$Zlcw{‡aD|N|Ҏ؁Oo|~sRh3Xd+hzȫr%Q da,5do> ݌fHQK<h=FhQ:m_j6;Lm/m6`"} D/;fk dU 5V~ OAS-+,4tƖZN*f(棸V>jazo/AD"?p>;v]p';gec/]ͼǖ{f K뽴,s=h+ݲb%+m%C`6 i;oz^+uED;d;r{/݇X#`!K=,8i?J 6*KxxVEC@zw%.JzTz"* RDz=@`o{ι<2{k~֚/ ~~֪F?I?AV~?Sng9R/`fE=9%8*qTGhSPMC58G(7#Q( ;m_#!G h*Ap!^Qq8'M68JG/G.݄ptѪai d1ǭ.:fǭ],}Y2}՚oZ]koҖ/HN't6I9]\ɭIfMD6.wAmT9g/SrP_'G8d|)ڎ.A8:G]K]pGȂprQa8* GU.5{X8GK~ j3;G1:riKf.G⨕8ZG'G'輩M8GƤS\%!.>Hۗp<0+ĘrLjyUNVpXpTE~2d) Gy(4i(%#G1ptjE, 34cVfsJfXZ!GG#;h]ru: O;{XZK^#&׬15XVwjMnkSKIt.) KA]Fr Ik :LH1ve'$IĢygk` cQ.:ҦpT?8G55SA2E=Qm9?<@Ӷܶ l8/L\3}#Ԑ"p pG(%8: G'UP&ROӺom)9bҫĤi5z{gJTS:ΧKJ]QRF Z#99-JN㩋fϖQ0={cQ<.'osvpC텣Cm.ݏi5xj U8*G:58 G8 G_-jO;?st\ݡ(#v~QQѠD8{Pu l; Qrtvrϛh[GLzi),88GiG>QyB-5:Q28# GA݈EĢPbQ0, qVf0zOqo^On̽-BIjHuVj$vf];ڨ>Q3m'" 8YɖRC`h{|oa79{r88G਌rl8GRv9)qGm38z̈́r 'zpT (偣p=FQ_w#EA 僡 f%f7{:Xҷ15ӛĤĤĤ:ۚsOL3Kj\ΖD}9'9m(XꢙĢרޅ`h#{|F=TPz;nYW;wXR/$#&M$& '&'5"Huj9$.D]Zrg{hס6j,nAףM#J6q[WG8:x^z6:i<1i( cզFrWK]-+5v>j5Bݒ֙֟ehSE go>bϿay,8>d;:pmmp.-z-I]pdQ8JG(pTu!z G/^Gg:&mI\AUhoqt Κp GsHݻ7'gkl%6^~p Zs1S*Q18 G( ݇ptI8: GhJO:JbZ7V봧}z3dϿbXp]ǣ=lo{~mvYbR0vr[ r['uQH8J G('8 p@8p'}3?}JtJqTWU<"=(\Zs9* G_5<{8pwc]wj[MN8 Sc6ZIm܀pt_V> $ 冡4'8~Nzڣ~/`}rRLbhnm]m-m +)0vNjt:'5vay`6JmTOp?j'"M %Ck[`C:Gݳ+Gi(;pTMQ 8wzGӹF >gcN=GGU.큣.G]\}7s4]m8rQw9j٦wɊsfK{=m5ϖS#͡ϝmئ2i Gu帩 Ged)Ge#5kޠ6Zhy8: G."E 8~rPHonvasXZEm:1iwU,5R!ji.(2rˮLmTWNMiiϖjK'_Gȗc/ %SڙIIeImm-mP#Eh{,tj*5epTZQ=8jG?Gh1+aꄫS:my㨄QH<zI2G(1CR_>ϖl8GCpTlp݇ptq8:G{w+XTz 傡{d]G'<[?zXzzi11i1nmmmP#F*w4Zg.@]J j:Fimi=iCEEE`} GGIjky2sϯvإiU~:bکvO=:{ul+U1JUĤPr[j>I^M^GF}tuT6*FNCNˤ Qgή,FrnEL&G޿{p_}m+ xњh;:1adĠ7;.I T:F"uw#w#hʭћ٫Uu1*BC^D^xMMտWmK} SSAOh3 7TDLDLFNc׬V#̛jYfj$^g RĦ:KݝQ]0ɨ l\p Gڊ61ޢzU.գ"IM[bPJ&LyYgɛ2$ & K`R9C,:A} OK=nm>`} ?oSOXSE5m+N"ur)QV͝?.G_WzpNnk˽59`&.MW7-bG[=% ţ~ 徶vt]e>ͼ(=(7wbj]|VZCu;erM9mMt_+ߦ<꫿S#f5 vs_Qz;bu<{@lVw*|JKGo&EfZezU_p4T?SSL1c!?=*' b^O>;ē䐙I^+{}~t3|aj&PVgL2$~0\s q~'6+O b>BmsV~kbȇ2+#g&q[}aN*:BQ5E &wv9KM|Z=V3F yjw{g ŏ޾d߷ڎN+g3pJKȩEA ;;z[{*BSxש^ĊqlrRjUzEmF;=b%&4TEAuIg33ZZjڪ&Rx6"jILHv!.ز\>OW-m]afsڛM?{grFcYh)~5pR:GV*R4?Gbس >etuڌSO^%k6u8cҏpRRgUԧ+ܑSc/ ]>[|ۋ }yBo۲؎3e]gSsvqv PKqݛ:epwԟo&zsXoT6Oh;3Cf-۪65@$y7uAZN^MW&g45?d.8{'ޙɼG<^FNٛ$_e>rS^FF<ǤH斕l؃}h }L}U^zNDwϳ0y:A_&GO"-㌽|ŗϿ޾4g_ێKI?$%g+ g{T*ƞ cO&r8[#t{5_qp:D- 28CUG3L 28\%6.'og3Sόu _cx|j3._.yľ&BRw#Wd0L92?09򖎶~pm!'L™hHB䶌i89g;|x~ߐyx{vt ]d/o3# %cw|>CWJE,zWu Cug ͼJNjiBMSM!-ynEc6mx>}P{~+ss'}%`4wlOKnc}.|~ݸ\H)u;wcA }||oyڛw}i\UE%9 UQ2|V3L<=*="Y` 3~I }'M~DWhr!1M#G؞f YF&]{zEr̍b= k~m;:Ow_]BK ]eCU=t6NoߦFwJEGqƽMwՈݖ@bd&PIzԒFRVQ')ZkhڒO],mN-wh.е$n/;rŞH\Ϗ[I?? QkBn޺z&ԯzZ\-SӶgsi{Uqkf1-JwO 2Ҝ1pM|%e5gwGjq-gJI>Ss}Q.>5?pR6g}u.c QԌԏK7|Ȼo>q8s%Ƕ~ѪZ৞䲑 ERG S;xv>+0绢iD]Q_&L Z=2&>m) Nvy[Q4&We6Dݢ;s;M||UKHBr:~l[ǞFu{R&|Gb?Nw9^ N P7ܥǖepUNgz6w)G:ڶ/\aLJE0-U1_V* GPuaWm˥AyEBM8lH1r~PJbE"~K-:#tMf6g]NlI)KϧvwW=|8 B P?$#6fU*T*ǏU^SуTuOIO LVdF `iWL]|*ˬE:+F3kp=?mulyь& b29GY=vG6!Wye2mCx։>Mu%n;IR=@qp^AwϏq7iMm LʫԦIu~TytgU<^MVazjGk#ǪpGGodu11LJG-ӔWE6 LmTۜ_ mo࿹H.kHMrrәFbd"8᧭/uas!Y09O}b)Hp3nq'_߲璷 F~»|H&d_gWW59IuJǶƝ/u ՚7>{fV16g'}0cmtZbcvrL~^nU܄S2|/MdOk WtMrteى6qn?g+tI媔B[oOVaLI ?~C͗[ܣ>7?=y {\UAuY3ԡo%cl.H\(yhO箳\.＞wx~\Ŭ`웪yS}*Ĭ&UqLf{Oj&WP.Xێf// N= ']d#fYƮ{W\稲԰uyQ:Qv&u2 {CioB0:j$!1RDHWmW$ Rc֐;pp 9A5e gOFtrsCSX5!>63AF"w+3Nc͢VϟҾ/gJww*rjUzPbuXQPmF ?oD Vu}b-W%eogIC 0j`6}YF-;34 ڌ l6ć!ԹGſH]SU{aQE>WyiPgK91c5r#=Yը%5JNm_ӿQnn؁w˽z*8w-.wdMVTؼެTU몆Y왣E{j栙щl/UtTLXೣ0Q5M,G{Q̫*.ઠo%#Ymo;sRQ6RΎKRS IAS\}) K3ΑsUtC]L9jsjARS!}Vس'voJCO]BʹvʃU+x]y0+wW?߽N\]Mܟ1ƪU*p&˻v ׮J(oJ|OܒHjJiK d_žr2ʆe-c&*J>r~ς{ђY|5Vx>*+$3ƦXZ%7{[k0u錫.\͠#'+/37;?C`A`|?Cy]Ԏ1NP>g-v9ʭN::G%_Md( >'u3?sYyFr '>%}Y.rF)ؿ{xYsb{NNvuOh콂.`Y6rmkY N4 gw>C:=};Άݙ;=qg}GHl>]5X/bUlt =]Gtl 4ޛy]ssu{OcI؛)g3v=ޓOk]WMl.z;Ϻ(7iN ڷ^|;&'<Y<ڙ;s_cgy/s3Gg,v ]/gg*Lؘg'9ԍv>o:;;cE켞fva OaWfʜ])]Onv/dzES]'kW&r+cn#k쉵que&~'Z'ꯇrV;zҮ |ٕ 2%hWkml)ڵޫwQ#vH_qvrJٕgt:خe'ž쟣hs˱$vgWFJu]+|v~®Fv-K>8ó_UuvT[+v3;Tʤ{\*̽ OuQS'}w$ɺ[:BM{:T}S]S}u.6jMԸx`_R6ˈ&syI>RpBHJpSɉ߲2WWT |ul;᪈`Ul?Ϛ{LJV*nکʈϲ⃜ʋ? ;nPE]Ba|OYc\n0T5wuֵ:u~)''"-id `|MSsq|x\&F31 Qf!yQe0_-j_\UDLĚ`2RJ%`(0vd_ O>^?`wnK'w*\6pV)N2aH_)Tj9%IF^ycY};2vvwعm;eWv!ujS]ʩvyu֮列+*Q̳'fL]I=uͮG 75VSun--_VcjK8g8/i;*̼%Uy ]604S( @8B<5:HՋ8uc5Z7TjgrJU]V-2]@-XeFiR|84}^OdG`˷ow#뗛=vTg* >7K%4FٔnUQ q6B<5:ҧ'}0&J5EP3suE@aߋ\쳣|NA?\I~L7}^vtt7vk _}ꗋ bibC穮N\CN Prlcni {WxjB[$zg(}_fXNbiE>>.`XeAhKɹMJ$[2G^eGYO>?oiys1WQ-Y'5YJyE<-N\ ⬅`<B)CQ{S>/i"M<%}y`;*K1w1P%8Ku)ĽʜWUKںl}Fwc1v&lc.1* ӖgIO2 įE9jϳC^o>oڽXC O;ʏJijJ䩪:ijԿ{هf쁣pA[W Ɍ3ksf99=mx>}r&r 튯#yUV}k8+=7Q~|^yKrJCBnG/EmXC\5a5BTXLa4\33VYQR,9}X|4{XP!rϿ&Ͽ Ҏ"ĕ,%5kbO=Uڹ4 ,jZ֙gEь11g &ߒ~3~l?C\]w _|O $fgy>OkGQa,Y[rGOhPY;K]Շ>C;1;9&3WY<=郟:?CGy߬;zw*j];1;9ƹ甴 mI=4'x߃h/|S |wz&w蛋1YIy=lȬ%.U!jђvsfC\RᴵYW cxU&>-ZHW6aw$} 7c36{$Y#vTy㗲0UU#XUW5x`՚gӋ3Ø#Uf>-9,<"ޗ9 qe1KEOcL.f>{a?rjG8~)>WlJ]*X5:ѧ}2f c0PWAgRzD,H[i]AY#)Eunmg#y>}a,'P*r T5Q=Ohk6H߮^U&>-}y(z=W&myV>[1E[HI[~G;<(tHuQTQwTυi+UQ ;U]jjG;KӖӭkmN@Xe-[{/VrvT ]S$IuIJf]]Bbbߎbҋ>Cud$suYen$t3n%&>YF#R惘w!(uE.5]UR@T55ϻҷ?~qLgk:DV0yGjR>mSI+_AΟ#i/)%k|Ƽ&e⻡kDZ標^G~YGXG\ >çK>ci?"έ?>H->9=bɻ06&J)WP#/'6-K/_uU@/G R .m6Wr9e׳Yĸv&8C2NO4)$I'EX%?E/{Gwrľv_8-Wrrp$vrn]6θ<-ioAf +v7bPk 1vܵVmyc-(c]CQ?ݝ8myyd;VJ⏚*eeH$ľTbbN[uwG4%ƍ dgrgr,]ey(+tѰ4*lc_gד1'[bwőﻢ`@ԛ2o{8j%ItsQ1PzXknyUP=_A1VᴵYg pƎf 59g篱Kewυd6a_ث~__$}W9+sh {ęėGKdԡSb{ ޵*YTo 5z'#3Scn-sEkW#<<% \|8N /`?l?n^/yw] {ο[hÞuc:Nbg1|a-)9Bo*;N-G=b#roLd47j{Eٝ;F[֋,5C_?9Ԗ<B˜錝sُ"V#xڦl&}wcV0X\k#wh7ľ;qwE bIJijv׊`]ޯ_9n<DȘkseXDh̳K߅Yط}9?dX/qHabwŝﻢ ]IY7{BVOGk@L1f1lW#<;(O#X&l:}w cV2X\3Uۯ>>$}WqwEӏ8ݕ۲^ i!»phHmX'3Sc*s4it4} x+}p4u,%40 _W x0ij>JW3csMv 6gs*}3 ƾ0fet5_#yG;'}WgqwEqGrԟ3g{֋Ğfܕ!(icȳLߗ3c1|B-R`̛}9Iy}Z?Gy{ľJQp?~聿;N+hM:4pՈi*x֓>;1#;9ƺɴ,rƬdh%s.g%fd >{+%tomioVM?YQiN[{OcK\dfl>}w)c^gUYIondclf'ޏ_:A[b_5POikdznKؗW<{+ȡ `^ ["$k֖g]Ӈ3Ùc|Ht͡.f.aXդ-geS9ϞľJx?riG7+g q.<fYgo fPj'6g3#V5i Y9o!cln'ޏ@_I/Ij)۝1ۇ9牴M,̥,b"戕2?c{3oy"9@ e8q(V9h3Uߓ΅9KY]u`L{ƶr|=s崣awߦo nvx;Vh Y}Zѷ-c3stt5ciJ錙ؙhsNg1&X >{b-Mx,MnF-R,dwMȜNPNG  IHDRX =:sRGBPLTE̙f3f3f/m cmPPJCmp0712x~tRNS@fIDATH? 0F?=A=@Gĵ]X;I{ yYk$Iڐ[g]'oa+$U &" O6N'֠N ۱b rW݁Uj'|'Vix9q# ja I7E ');DtAuD"oU=V8IENDB`2( F/ 0|DArial Pro Extpp8yF0"DTahomaPro Extpp8yF0" DWingdings Extpp8yF00DJuice ITC Extpp8yF0R@DTekton Pro Extpp8yF0 " A .  @n?" dd@  @@`` x@.;>  !"#$% &()\*C+@O2$d*I6i2$=,8i?Ki$b$-R,dwMȜNN g 0AA@8!Ʒ ʚ;ʚ;g4idid셓F0@ppp@ <4dddd<@0py <4BdBd<(A0p0___PPT10 ___PPT9|,  ?  %+ Insurance $  8The Condominium Corporation & The Condominium Unit Owner99,  IntroductionsXBWho we are What we ve brought you  TWhat happens when your toilet overflows& ..  Let s step back in time to just those few minutes before the toilet overflows& .*Q3(((*AND ASK OURSELVES& . $ #Did we pay the insurance premium???  Condos come in all shapes and sizes! Including: Multi-Storey Buildings; Townhouses (side-by-side or stacked); Stand-alone (detached) buildings; No buildings at all (vacant land condominiums); No units at all (common elements condominiums). Our discussion will be limited to what is relevant for Standard Condominium Corporations:* and in respect of them, whatever the shape and size, there is always a Condominium Corporation and a Unit Owner. *(For other types of condominium, see your insurance and/or legal counsel for advice.) 0PP(P% 7!vV 8The Corporation s Insurance .B H B~The Ontario Condominium Act, 1998 obliges Standard Condominium Corporations to insure: All of the common elements, and all of the units excluding  improvements ; (more on this after)  boiler, machinery, pressure vessel and motor vehicle insurance, if such items are owned and/or used Commercial General Liability related to the premises and the occupation and operation of the condominium; If available, Directors & Officers liability coverage. |Wi 2 514 4A Bit About  Improvements BH Betterment is not a term in the Act. It is no longer accurate to use the term  Betterment or  Betterment & Improvements for condominium corporations in Ontario$4A Bit About  Improvements BAn  Improvement is any part of a unit that is not defined as  standard in the condominium corporation s  standard unit definition . NOTE: If there is no  standard unit definition there are no improvements!DNVN4A Bit About  Improvements BThe term  standard has nothing to do with what the Builder originally installed. It can include owner-made changes to the property. Likewise, Builder-installed components of the unit can be defined as  improvements . Therefore, it is very important to read and understand your condominium s standard unit definition. (Hopefully to be found in your by-laws.)vj7/6 b)4A Bit About  Improvements B.Standard unit definitions can vary from corporation to corporation  you cannot rely on anyone else s definition  be sure your insurer understands yours! There are 2 basic extremes:  Status Quo : A  status quo definition aims to preserve just that: the  status quo . This type of definition often includes a detailed table that may provide specifications of certain fixtures, including paint shades, faucet styles and sizes, trim, counters, counter-tops, flooring, etc.  Bare Bones : This definition makes only the minimum components of the unit  standard  such as unfinished boundary materials or  shell of the unit (such as dry wall and sub-floor), and basic components required for the supply of heat and utilities (but not necessarily including any fixtures that use them).~P`PIj *4A Bit About  Improvements BThe condominium corporation is only required to insure  standard components of the unit. The unit owner is responsible to insure all of the  improvements . Which brings us to the next topic& $<Unit Owners  Ideal Insurance<"Unit  improvements Personal Property of the Unit Owner Personal Liability of the Unit Owner related to ownership, occupancy & use of the Unit P The Package also includes: Contingent insurance To rebuild own Unit if the Corporation fails to carry sufficient insurance to rebuild Loss Assessment To pay assessments imposed by the Corporation related to an insured loss  i.e. Corporate DeductiblesPPPVPPPfPV  fWhat every unit owner must ask: 0\ Do I have sufficient insurance limits to rebuild my Unit, with all my desired improvements?]] Claims for Unit DamageBCorporation s Concerns Claims Frequency: i.e. burns to floor, fire damage to cabinets, countertops and water damage claims Insurance Costs increase Cost of insurance is passed through common expense to Unit Owners Dissatisfied Unit Owners at the next condo meeting! P " PS  P " PPS & Action Plan Start with a clear and sensible Standard Unit definition (and make sure the Owners know what it says!) Better Risk Management awareness to Unit Owners Increase Corporate insurance Deductible Unit Owner pays for damage to own unit under the deductible amount6P " P*Different Strokes for Different Situations++P :Situation 1  Within One Unit 4Situation 2  Unit to Unit 6Situation 3  Unit to Units JSituation 4  Unit to Common Element JSituation 5  Common Element to Unit  0` 33PP` 13` 3333` Q_{` 333fpKNāvI` j@v۩ῑ΂H>?" dd@,?n<d@ `7 `2@`7``2 n?" dd@   @@``PR    @ ` ` p>>    xZ (  x x <ЯF" 4 0 x TԹFd" 4 0 x <F"U_ 4 0 x TFd">& 4 0 x N0F"P 4 0 x <$F"p 4 0 x C xF?d?"bUv 4 0  x <F #" `  F T Click to edit Master title style! !$  x 00F "  F RClick to edit Master text styles Second level Third level Fourth level Fifth level!     S  x 6F "]} F F*0  x 6 "] }   H*0  x 6 "]T}  H*0B x s *޽h ? 333380___PPT10.(г%  Blends}  0   | (  |T + | "+bb P@ |# "Dwoh | s *"PP | Bd" P@bb P 0  |# "Nyh | s *"P   | Bd"P 0 z  | <" a*h  | s *"  |  f?d?"+)  | BtF ?#" ` p  T Click to edit Master title style! !  | 0  " `   F W#Click to edit Master subtitle style$ $ | 6@% "`p   J* 0 | 6h0 "`p   L*"0 | 6`9 "`  L*"0B | s *޽h ? 333380___PPT10.(г%20 IA (     HxH8c8c? |S"   H r  S PH |  H ]  0 " A presentation for The 2008 Toronto Condo Show, by Darlene Cade, CSIB, BSC., Cade Associates Insurance Brokers Limited and Michael H. Clifton, M.A., LL.B., ACCI (Law), Clifton Kok LLP Legal Counsel( 2H  0޽h ? 33___PPT10i.b"J+D=' = @B + 0 V(    s *B? xS"     r  S " x   H  0޽h ? 3333___PPT10i.$r&+D=' = @B +6 0 ((0=P'(  Pr P S H x `  H  P C <A$MCj02954710000[1]8,$D0 P  B CDEF[ @gg>nzKBY0=/CtE3X<rC]8l:|{yvs+k+kcWjY_ejp&}_WHHS8Ike\DUJTG" C" C1 AA >P = 9 9 2 0* : M a ~   gl\JS+7/%#$HL@                                  `"`    Qg, ,$D0@ l  _  1PppA ,$D0T .P c $X99? _ $  /P s BCDEFi @]emv}%u+r2l8h>bE]KWSQXL^Db>i7m1s+w$|~ukd\SI@8/% |wsmi|bv^oXiSeK]EX>R8N2I+C%=940*&$!  vme]TJA90&  !$&*049=CINwRrXj]fe_iYoSvN|HD>;5/-*$   %/8@IS\dku~   $*-/5;>$D+H1N7S>YD_LfQjWr]wbhlru} &09AJT]]@`"B    mL < 0P s B+CDEFa @+++ @`"B   `2C H5 N z  _  5P  pA  ,$D0T 6P c $X99? _ $  7P s BCDEFi @]emv}%u+r2l8h>bE]KWSQXL^Db>i7m1s+w$|~ukd\SI@8/% |wsmi|bv^oXiSeK]EX>R8N2I+C%=940*&$!  vme]TJA90&  !$&*049=CINwRrXj]fe_iYoSvN|HD>;5/-*$   %/8@IS\dku~   $*-/5;>$D+H1N7S>YD_LfQjWr]wbhlru} &09AJT]]@`"B    mL < 8P s B+CDEFa @+++ @`"B   `2C H5 N z  _  9P p pA ,$D0T :P c $X99? _ $  ;P s BCDEFi @]emv}%u+r2l8h>bE]KWSQXL^Db>i7m1s+w$|~ukd\SI@8/% |wsmi|bv^oXiSeK]EX>R8N2I+C%=940*&$!  vme]TJA90&  !$&*049=CINwRrXj]fe_iYoSvN|HD>;5/-*$   %/8@IS\dku~   $*-/5;>$D+H1N7S>YD_LfQjWr]wbhlru} &09AJT]]@`"B    mL <  The scenario XH P 0޽h ? 33ia___PPT10A.$P{#+*|D' = @B D ' = @BA?%,( < +O%,( < +D ' =%(D' =%(D+' =4@BB BB%(D' =1:Bvisible*o3>+B#style.visibility<*P%(D' =-g6B fade*<3<*PD' =%(D+' =4@BB BB%(D' =1:Bvisible*o3>+B#style.visibility<*P%(D' =-g6B fade*<3<*PD' =%( D+' =4@BB BB%(D' =1:Bvisible*o3>+B#style.visibility<*1P%(D' =-g6B fade*<3<*1PD' =%( D+' =4@BB BB%(D' =1:Bvisible*o3>+B#style.visibility<*5P%(D' =-g6B fade*<3<*5PD' =%(D+' =4@BB BB%(D' =1:Bvisible*o3>+B#style.visibility<*9P%(D' =-g6B fade*<3<*9P+0 PX*(  Xx X c $hH | p H r X S @H | ` @ H H X 0޽h ? 33___PPT10i.$-9+D=' = @B +o0 ~d(  dx d c $dH | p H x d c $6(  r  S   x       (0e0e ? x"00e`     H  0޽h ? 3333___PPT10i.$pv+D=' = @B +- 0 D<(  x  c $Lf x      0e0e ? x"00e`     H  0޽h ? 3333___PPT10i.$pv+D=' = @B +- 0 D< (  x  c $| x      ȝ0e0e ? x"00e`     H  0޽h ? 3333___PPT10i.$pv+D=' = @B +3 0 JB@(  ~  s *P x      0e0e ? x"00e`     H  0޽h ? 33___PPT10i.$J+D=' = @B +- 0 D<(  x  c $v x       0e0e ? x"00e`     H  0޽h ? 3333___PPT10i.$pv+D=' = @B +; 0 RJP(     0hHj? xS"    j x  c $@Ij x  j x  c $Jj x  j H  0޽h ? 33___PPT10i."&+D=' = @B +} 0 0$(  r  S t x   r  S % x   H  0޽h ? 3333___PPT10i.$+D=' = @B +C 0 ZR L(  L L  0PaH? xS"    H  L c $XtH x  H "  @ L c $)H x  H "  @fr L 0"`p fr L@ 0"`p H L 0޽h ? 33___PPT10i.$ 2+D=' = @B +  0 |tP (    Tm ? xc"$` 0    H  0޽h ? 333380___PPT10.$ D\J 0 aY`(  r  S Q x    2  B >P  0 r @ C <A$MCj02954710000[1]"?  X"  0   00@ ['Damage in Unit A, affecting only Unit A( 2(H  0޽h ? 3333___PPT10i.$]+D=' = @B +r+ 0 '|''(  x  c $H x    2  B>P  0 r @ C <A$MCj02954710000[1]"?  X"  0   00@ V"Damage in Unit A, affecting Unit B# 2#2  BX؏> P 0  F  _    0 a P T   c $X99? _ $    s BCDEFi @]emv}%u+r2l8h>bE]KWSQXL^Db>i7m1s+w$|~ukd\SI@8/% |wsmi|bv^oXiSeK]EX>R8N2I+C%=940*&$!  vme]TJA90&  !$&*049=CINwRrXj]fe_iYoSvN|HD>;5/-*$   %/8@IS\dku~   $*-/5;>$D+H1N7S>YD_LfQjWr]wbhlru} &09AJT]]@`"B    mL <   s B+CDEFa @+++ @`"B   `2C H5  F  _     a T  c $X99? _ $   s BCDEFi @]emv}%u+r2l8h>bE]KWSQXL^Db>i7m1s+w$|~ukd\SI@8/% |wsmi|bv^oXiSeK]EX>R8N2I+C%=940*&$!  vme]TJA90&  !$&*049=CINwRrXj]fe_iYoSvN|HD>;5/-*$   %/8@IS\dku~   $*-/5;>$D+H1N7S>YD_LfQjWr]wbhlru} &09AJT]]@`"B    mL <  s B+CDEFa @+++ @`"B   `2C H5  F  _   0 a P T  c $X99? _ $   s BCDEFi @]emv}%u+r2l8h>bE]KWSQXL^Db>i7m1s+w$|~ukd\SI@8/% |wsmi|bv^oXiSeK]EX>R8N2I+C%=940*&$!  vme]TJA90&  !$&*049=CINwRrXj]fe_iYoSvN|HD>;5/-*$   %/8@IS\dku~   $*-/5;>$D+H1N7S>YD_LfQjWr]wbhlru} &09AJT]]@`"B    mL <  s B+CDEFa @+++ @`"B   `2C H5 d  C <A$MCj04238500000[1]  Y4  S 0ABD14710_P >N ,$D0  0|{ w  DCommon Elements? 2^"  6o  H  0޽h ? 3333___PPT10n.$]+E,DB' = @B D' = @BA?%,( < +O%,( < +D4' =%(D' =%(D' =4@BBBB%(D' =1:Bvisible*o3>+B#style.visibility<*%(+َ 0 @[(  x  c $d x    2  B> `  0 r @ C <A$MCj02954710000[1]"?p`X"  0   0 `,Damage in Unit A, affecting Units B, C and D- 2-2  B>` 0  0 d  C <A$MCj04238500000[1] ` 2  BϏ>` P 0  0 d  C <A$MCj04238500000[1] 0 2  B>   0 d  C <A$MCj04238500000[1]0 `Z!8 0  40 " N  _   0 T   c $X99? _ $    s BCDEFi @]emv}%u+r2l8h>bE]KWSQXL^Db>i7m1s+w$|~ukd\SI@8/% |wsmi|bv^oXiSeK]EX>R8N2I+C%=940*&$!  vme]TJA90&  !$&*049=CINwRrXj]fe_iYoSvN|HD>;5/-*$   %/8@IS\dku~   $*-/5;>$D+H1N7S>YD_LfQjWr]wbhlru} &09AJT]]@`"B    mL <   s B+CDEFa @+++ @`"B   `2C H5 " N  _      T   c $X99? _ $   s BCDEFi @]emv}%u+r2l8h>bE]KWSQXL^Db>i7m1s+w$|~ukd\SI@8/% |wsmi|bv^oXiSeK]EX>R8N2I+C%=940*&$!  vme]TJA90&  !$&*049=CINwRrXj]fe_iYoSvN|HD>;5/-*$   %/8@IS\dku~   $*-/5;>$D+H1N7S>YD_LfQjWr]wbhlru} &09AJT]]@`"B    mL <  s B+CDEFa @+++ @`"B   `2C H5 " N  _    0 T  c $X99? _ $   s BCDEFi @]emv}%u+r2l8h>bE]KWSQXL^Db>i7m1s+w$|~ukd\SI@8/% |wsmi|bv^oXiSeK]EX>R8N2I+C%=940*&$!  vme]TJA90&  !$&*049=CINwRrXj]fe_iYoSvN|HD>;5/-*$   %/8@IS\dku~   $*-/5;>$D+H1N7S>YD_LfQjWr]wbhlru} &09AJT]]@`"B    mL <  s B+CDEFa @+++ @`"B   `2C H5 !F 0  5 ppA " N  _  6 0 T 7 c $X99? _ $  8 s BCDEFi @]emv}%u+r2l8h>bE]KWSQXL^Db>i7m1s+w$|~ukd\SI@8/% |wsmi|bv^oXiSeK]EX>R8N2I+C%=940*&$!  vme]TJA90&  !$&*049=CINwRrXj]fe_iYoSvN|HD>;5/-*$   %/8@IS\dku~   $*-/5;>$D+H1N7S>YD_LfQjWr]wbhlru} &09AJT]]@`"B    mL < 9 s B+CDEFa @+++ @`"B   `2C H5 " N  _  :   T ; c $X99? _ $  < s BCDEFi @]emv}%u+r2l8h>bE]KWSQXL^Db>i7m1s+w$|~ukd\SI@8/% |wsmi|bv^oXiSeK]EX>R8N2I+C%=940*&$!  vme]TJA90&  !$&*049=CINwRrXj]fe_iYoSvN|HD>;5/-*$   %/8@IS\dku~   $*-/5;>$D+H1N7S>YD_LfQjWr]wbhlru} &09AJT]]@`"B    mL < = s B+CDEFa @+++ @`"B   `2C H5 " N  _  >  0 T ? c $X99? _ $  @ s BCDEFi @]emv}%u+r2l8h>bE]KWSQXL^Db>i7m1s+w$|~ukd\SI@8/% |wsmi|bv^oXiSeK]EX>R8N2I+C%=940*&$!  vme]TJA90&  !$&*049=CINwRrXj]fe_iYoSvN|HD>;5/-*$   %/8@IS\dku~   $*-/5;>$D+H1N7S>YD_LfQjWr]wbhlru} &09AJT]]@`"B    mL < A s B+CDEFa @+++ @`"B   `2C H5 !F 0  B @` " N  _  C 0 T D c $X99? _ $  E s BCDEFi @]emv}%u+r2l8h>bE]KWSQXL^Db>i7m1s+w$|~ukd\SI@8/% |wsmi|bv^oXiSeK]EX>R8N2I+C%=940*&$!  vme]TJA90&  !$&*049=CINwRrXj]fe_iYoSvN|HD>;5/-*$   %/8@IS\dku~   $*-/5;>$D+H1N7S>YD_LfQjWr]wbhlru} &09AJT]]@`"B    mL < F s B+CDEFa @+++ @`"B   `2C H5 " N  _  G   T H c $X99? _ $  I s BCDEFi @]emv}%u+r2l8h>bE]KWSQXL^Db>i7m1s+w$|~ukd\SI@8/% |wsmi|bv^oXiSeK]EX>R8N2I+C%=940*&$!  vme]TJA90&  !$&*049=CINwRrXj]fe_iYoSvN|HD>;5/-*$   %/8@IS\dku~   $*-/5;>$D+H1N7S>YD_LfQjWr]wbhlru} &09AJT]]@`"B    mL < J s B+CDEFa @+++ @`"B   `2C H5 " N  _  K  0 T L c $X99? _ $  M s BCDEFi @]emv}%u+r2l8h>bE]KWSQXL^Db>i7m1s+w$|~ukd\SI@8/% |wsmi|bv^oXiSeK]EX>R8N2I+C%=940*&$!  vme]TJA90&  !$&*049=CINwRrXj]fe_iYoSvN|HD>;5/-*$   %/8@IS\dku~   $*-/5;>$D+H1N7S>YD_LfQjWr]wbhlru} &09AJT]]@`"B    mL < N s B+CDEFa @+++ @`"B   `2C H5 !F 0  O p0 " N  _  P 0 T Q c $X99? _ $  R s BCDEFi @]emv}%u+r2l8h>bE]KWSQXL^Db>i7m1s+w$|~ukd\SI@8/% |wsmi|bv^oXiSeK]EX>R8N2I+C%=940*&$!  vme]TJA90&  !$&*049=CINwRrXj]fe_iYoSvN|HD>;5/-*$   %/8@IS\dku~   $*-/5;>$D+H1N7S>YD_LfQjWr]wbhlru} &09AJT]]@`"B    mL < S s B+CDEFa @+++ @`"B   `2C H5 " N  _  T   T U c $X99? _ $  V s BCDEFi @]emv}%u+r2l8h>bE]KWSQXL^Db>i7m1s+w$|~ukd\SI@8/% |wsmi|bv^oXiSeK]EX>R8N2I+C%=940*&$!  vme]TJA90&  !$&*049=CINwRrXj]fe_iYoSvN|HD>;5/-*$   %/8@IS\dku~   $*-/5;>$D+H1N7S>YD_LfQjWr]wbhlru} &09AJT]]@`"B    mL < W s B+CDEFa @+++ @`"B   `2C H5 " N  _  X  0 T Y c $X99? _ $  Z s BCDEFi @]emv}%u+r2l8h>bE]KWSQXL^Db>i7m1s+w$|~ukd\SI@8/% |wsmi|bv^oXiSeK]EX>R8N2I+C%=940*&$!  vme]TJA90&  !$&*049=CINwRrXj]fe_iYoSvN|HD>;5/-*$   %/8@IS\dku~   $*-/5;>$D+H1N7S>YD_LfQjWr]wbhlru} &09AJT]]@`"B    mL < [ s B+CDEFa @+++ @`"B   `2C H5 H  0޽h ? 3333___PPT10i.$]+D=' = @B +' 0 >6>B΋(  x  c $T x    2  B>P  0 r @ C <A$MCj02954710000[1]"?  X"  0   00 p<Damage in Unit A, affecting only part of the Common Elements= 2=X  S 0ABD14710_P >N X  S 0ABD14710_ p X  S 0ABD14710_  X  S 0ABD14710_p ^n0 !8  0 a P  0 O P " N  _    0 a P T   c $X99? _ $    s BCDEFi @]emv}%u+r2l8h>bE]KWSQXL^Db>i7m1s+w$|~ukd\SI@8/% |wsmi|bv^oXiSeK]EX>R8N2I+C%=940*&$!  vme]TJA90&  !$&*049=CINwRrXj]fe_iYoSvN|HD>;5/-*$   %/8@IS\dku~   $*-/5;>$D+H1N7S>YD_LfQjWr]wbhlru} &09AJT]]@`"B    mL <   s B+CDEFa @+++ @`"B   `2C H5 " N  _     a T   c $X99? _ $   s BCDEFi @]emv}%u+r2l8h>bE]KWSQXL^Db>i7m1s+w$|~ukd\SI@8/% |wsmi|bv^oXiSeK]EX>R8N2I+C%=940*&$!  vme]TJA90&  !$&*049=CINwRrXj]fe_iYoSvN|HD>;5/-*$   %/8@IS\dku~   $*-/5;>$D+H1N7S>YD_LfQjWr]wbhlru} &09AJT]]@`"B    mL <  s B+CDEFa @+++ @`"B   `2C H5 " N  _    0 a P T  c $X99? _ $   s BCDEFi @]emv}%u+r2l8h>bE]KWSQXL^Db>i7m1s+w$|~ukd\SI@8/% |wsmi|bv^oXiSeK]EX>R8N2I+C%=940*&$!  vme]TJA90&  !$&*049=CINwRrXj]fe_iYoSvN|HD>;5/-*$   %/8@IS\dku~   $*-/5;>$D+H1N7S>YD_LfQjWr]wbhlru} &09AJT]]@`"B    mL <  s B+CDEFa @+++ @`"B   `2C H5 !F  0 a P    " N  _    0 a P T  c $X99? _ $   s BCDEFi @]emv}%u+r2l8h>bE]KWSQXL^Db>i7m1s+w$|~ukd\SI@8/% |wsmi|bv^oXiSeK]EX>R8N2I+C%=940*&$!  vme]TJA90&  !$&*049=CINwRrXj]fe_iYoSvN|HD>;5/-*$   %/8@IS\dku~   $*-/5;>$D+H1N7S>YD_LfQjWr]wbhlru} &09AJT]]@`"B    mL <   s B+CDEFa @+++ @`"B   `2C H5 " N  _  !  a T " c $X99? _ $  # s BCDEFi @]emv}%u+r2l8h>bE]KWSQXL^Db>i7m1s+w$|~ukd\SI@8/% |wsmi|bv^oXiSeK]EX>R8N2I+C%=940*&$!  vme]TJA90&  !$&*049=CINwRrXj]fe_iYoSvN|HD>;5/-*$   %/8@IS\dku~   $*-/5;>$D+H1N7S>YD_LfQjWr]wbhlru} &09AJT]]@`"B    mL < $ s B+CDEFa @+++ @`"B   `2C H5 " N  _  %  0 a P T & c $X99? _ $  ' s BCDEFi @]emv}%u+r2l8h>bE]KWSQXL^Db>i7m1s+w$|~ukd\SI@8/% |wsmi|bv^oXiSeK]EX>R8N2I+C%=940*&$!  vme]TJA90&  !$&*049=CINwRrXj]fe_iYoSvN|HD>;5/-*$   %/8@IS\dku~   $*-/5;>$D+H1N7S>YD_LfQjWr]wbhlru} &09AJT]]@`"B    mL < ( s B+CDEFa @+++ @`"B   `2C H5 !F  0 a P  )   " N  _  *  0 a P T + c $X99? _ $  , s BCDEFi @]emv}%u+r2l8h>bE]KWSQXL^Db>i7m1s+w$|~ukd\SI@8/% |wsmi|bv^oXiSeK]EX>R8N2I+C%=940*&$!  vme]TJA90&  !$&*049=CINwRrXj]fe_iYoSvN|HD>;5/-*$   %/8@IS\dku~   $*-/5;>$D+H1N7S>YD_LfQjWr]wbhlru} &09AJT]]@`"B    mL < - s B+CDEFa @+++ @`"B   `2C H5 " N  _  .  a T / c $X99? _ $  0 s BCDEFi @]emv}%u+r2l8h>bE]KWSQXL^Db>i7m1s+w$|~ukd\SI@8/% |wsmi|bv^oXiSeK]EX>R8N2I+C%=940*&$!  vme]TJA90&  !$&*049=CINwRrXj]fe_iYoSvN|HD>;5/-*$   %/8@IS\dku~   $*-/5;>$D+H1N7S>YD_LfQjWr]wbhlru} &09AJT]]@`"B    mL < 1 s B+CDEFa @+++ @`"B   `2C H5 " N  _  2  0 a P T 3 c $X99? _ $  4 s BCDEFi @]emv}%u+r2l8h>bE]KWSQXL^Db>i7m1s+w$|~ukd\SI@8/% |wsmi|bv^oXiSeK]EX>R8N2I+C%=940*&$!  vme]TJA90&  !$&*049=CINwRrXj]fe_iYoSvN|HD>;5/-*$   %/8@IS\dku~   $*-/5;>$D+H1N7S>YD_LfQjWr]wbhlru} &09AJT]]@`"B    mL < 5 s B+CDEFa @+++ @`"B   `2C H5 !F  0 a P  6 P o @ p" N  _  7  0 a P T 8 c $X99? _ $  9 s BCDEFi @]emv}%u+r2l8h>bE]KWSQXL^Db>i7m1s+w$|~ukd\SI@8/% |wsmi|bv^oXiSeK]EX>R8N2I+C%=940*&$!  vme]TJA90&  !$&*049=CINwRrXj]fe_iYoSvN|HD>;5/-*$   %/8@IS\dku~   $*-/5;>$D+H1N7S>YD_LfQjWr]wbhlru} &09AJT]]@`"B    mL < : s B+CDEFa @+++ @`"B   `2C H5 " N  _  ;  a T < c $X99? _ $  = s BCDEFi @]emv}%u+r2l8h>bE]KWSQXL^Db>i7m1s+w$|~ukd\SI@8/% |wsmi|bv^oXiSeK]EX>R8N2I+C%=940*&$!  vme]TJA90&  !$&*049=CINwRrXj]fe_iYoSvN|HD>;5/-*$   %/8@IS\dku~   $*-/5;>$D+H1N7S>YD_LfQjWr]wbhlru} &09AJT]]@`"B    mL < > s B+CDEFa @+++ @`"B   `2C H5 " N  _  ?  0 a P T @ c $X99? _ $  A s BCDEFi @]emv}%u+r2l8h>bE]KWSQXL^Db>i7m1s+w$|~ukd\SI@8/% |wsmi|bv^oXiSeK]EX>R8N2I+C%=940*&$!  vme]TJA90&  !$&*049=CINwRrXj]fe_iYoSvN|HD>;5/-*$   %/8@IS\dku~   $*-/5;>$D+H1N7S>YD_LfQjWr]wbhlru} &09AJT]]@`"B    mL < B s B+CDEFa @+++ @`"B   `2C H5 H  0޽h ? 3333___PPT10i.$]+D=' = @B + 0 ??6(  x  c $ x    2  B> `  0   0ة   ^*Damage in Common Elements affecting Unit A+ 2+X  S 0ABD14710_` 0 X  S 0ABD14710_X  S 0ABD14710_ X  S 0ABD14710_@P@!F  0 a P    0  " N  _     0 a P T   c $X99? _ $   s BCDEFi @]emv}%u+r2l8h>bE]KWSQXL^Db>i7m1s+w$|~ukd\SI@8/% |wsmi|bv^oXiSeK]EX>R8N2I+C%=940*&$!  vme]TJA90&  !$&*049=CINwRrXj]fe_iYoSvN|HD>;5/-*$   %/8@IS\dku~   $*-/5;>$D+H1N7S>YD_LfQjWr]wbhlru} &09AJT]]@`"B    mL <  s B+CDEFa @+++ @`"B   `2C H5 " N  _    a T  c $X99? _ $   s BCDEFi @]emv}%u+r2l8h>bE]KWSQXL^Db>i7m1s+w$|~ukd\SI@8/% |wsmi|bv^oXiSeK]EX>R8N2I+C%=940*&$!  vme]TJA90&  !$&*049=CINwRrXj]fe_iYoSvN|HD>;5/-*$   %/8@IS\dku~   $*-/5;>$D+H1N7S>YD_LfQjWr]wbhlru} &09AJT]]@`"B    mL <  s B+CDEFa @+++ @`"B   `2C H5 " N  _    0 a P T  c $X99? _ $   s BCDEFi @]emv}%u+r2l8h>bE]KWSQXL^Db>i7m1s+w$|~ukd\SI@8/% |wsmi|bv^oXiSeK]EX>R8N2I+C%=940*&$!  vme]TJA90&  !$&*049=CINwRrXj]fe_iYoSvN|HD>;5/-*$   %/8@IS\dku~   $*-/5;>$D+H1N7S>YD_LfQjWr]wbhlru} &09AJT]]@`"B    mL <  s B+CDEFa @+++ @`"B   `2C H5 !F  0 a P   @ a ` " N  _    0 a P T  c $X99? _ $   s BCDEFi @]emv}%u+r2l8h>bE]KWSQXL^Db>i7m1s+w$|~ukd\SI@8/% |wsmi|bv^oXiSeK]EX>R8N2I+C%=940*&$!  vme]TJA90&  !$&*049=CINwRrXj]fe_iYoSvN|HD>;5/-*$   %/8@IS\dku~   $*-/5;>$D+H1N7S>YD_LfQjWr]wbhlru} &09AJT]]@`"B    mL <  s B+CDEFa @+++ @`"B   `2C H5 " N  _    a T  c $X99? _ $   s BCDEFi @]emv}%u+r2l8h>bE]KWSQXL^Db>i7m1s+w$|~ukd\SI@8/% |wsmi|bv^oXiSeK]EX>R8N2I+C%=940*&$!  vme]TJA90&  !$&*049=CINwRrXj]fe_iYoSvN|HD>;5/-*$   %/8@IS\dku~   $*-/5;>$D+H1N7S>YD_LfQjWr]wbhlru} &09AJT]]@`"B    mL <   s B+CDEFa @+++ @`"B   `2C H5 " N  _  !  0 a P T " c $X99? _ $  # s BCDEFi @]emv}%u+r2l8h>bE]KWSQXL^Db>i7m1s+w$|~ukd\SI@8/% |wsmi|bv^oXiSeK]EX>R8N2I+C%=940*&$!  vme]TJA90&  !$&*049=CINwRrXj]fe_iYoSvN|HD>;5/-*$   %/8@IS\dku~   $*-/5;>$D+H1N7S>YD_LfQjWr]wbhlru} &09AJT]]@`"B    mL < $ s B+CDEFa @+++ @`"B   `2C H5 !F  0 a P  %  " N  _  &  0 a P T ' c $X99? _ $  ( s BCDEFi @]emv}%u+r2l8h>bE]KWSQXL^Db>i7m1s+w$|~ukd\SI@8/% |wsmi|bv^oXiSeK]EX>R8N2I+C%=940*&$!  vme]TJA90&  !$&*049=CINwRrXj]fe_iYoSvN|HD>;5/-*$   %/8@IS\dku~   $*-/5;>$D+H1N7S>YD_LfQjWr]wbhlru} &09AJT]]@`"B    mL < ) s B+CDEFa @+++ @`"B   `2C H5 " N  _  *  a T + c $X99? _ $  , s BCDEFi @]emv}%u+r2l8h>bE]KWSQXL^Db>i7m1s+w$|~ukd\SI@8/% |wsmi|bv^oXiSeK]EX>R8N2I+C%=940*&$!  vme]TJA90&  !$&*049=CINwRrXj]fe_iYoSvN|HD>;5/-*$   %/8@IS\dku~   $*-/5;>$D+H1N7S>YD_LfQjWr]wbhlru} &09AJT]]@`"B    mL < - s B+CDEFa @+++ @`"B   `2C H5 " N  _  .  0 a P T / c $X99? _ $  0 s BCDEFi @]emv}%u+r2l8h>bE]KWSQXL^Db>i7m1s+w$|~ukd\SI@8/% |wsmi|bv^oXiSeK]EX>R8N2I+C%=940*&$!  vme]TJA90&  !$&*049=CINwRrXj]fe_iYoSvN|HD>;5/-*$   %/8@IS\dku~   $*-/5;>$D+H1N7S>YD_LfQjWr]wbhlru} &09AJT]]@`"B    mL < 1 s B+CDEFa @+++ @`"B   `2C H5 !F  0 a P  2  P ! " N  _  3  0 a P T 4 c $X99? _ $  5 s BCDEFi @]emv}%u+r2l8h>bE]KWSQXL^Db>i7m1s+w$|~ukd\SI@8/% |wsmi|bv^oXiSeK]EX>R8N2I+C%=940*&$!  vme]TJA90&  !$&*049=CINwRrXj]fe_iYoSvN|HD>;5/-*$   %/8@IS\dku~   $*-/5;>$D+H1N7S>YD_LfQjWr]wbhlru} &09AJT]]@`"B    mL < 6 s B+CDEFa @+++ @`"B   `2C H5 " N  _  7  a T 8 c $X99? _ $  9 s BCDEFi @]emv}%u+r2l8h>bE]KWSQXL^Db>i7m1s+w$|~ukd\SI@8/% |wsmi|bv^oXiSeK]EX>R8N2I+C%=940*&$!  vme]TJA90&  !$&*049=CINwRrXj]fe_iYoSvN|HD>;5/-*$   %/8@IS\dku~   $*-/5;>$D+H1N7S>YD_LfQjWr]wbhlru} &09AJT]]@`"B    mL < : s B+CDEFa @+++ @`"B   `2C H5 " N  _  ;  0 a P T < c $X99? _ $  = s BCDEFi @]emv}%u+r2l8h>bE]KWSQXL^Db>i7m1s+w$|~ukd\SI@8/% |wsmi|bv^oXiSeK]EX>R8N2I+C%=940*&$!  vme]TJA90&  !$&*049=CINwRrXj]fe_iYoSvN|HD>;5/-*$   %/8@IS\dku~   $*-/5;>$D+H1N7S>YD_LfQjWr]wbhlru} &09AJT]]@`"B    mL < > s B+CDEFa @+++ @`"B   `2C H5 d ? C <A$MCj04238500000[1] I4r @ C <A$MCj02954710000[1]"?p^X"  0 H  0޽h ? 3333___PPT10i.$]+D=' = @B +rp@Kʏ aRȉS2oA.Pdܩ)@mq # 31Oh+'0 hp   Insurance Darlene CadeBlends mclifton49Microsoft Office PowerPoint@`@ӔV@Q+b"@@$Ghg  ,V'&" WMFC <8?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[]^_`abcdefghijklmnopqrstuvwxyz{|}~      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~ Root EntrydO)PicturesCurrent UserSummaryInformation(PowerPoint Document(\όDocumentSummaryInformation8