{"id":136989,"date":"2018-12-05T12:29:19","date_gmt":"2018-12-05T09:29:19","guid":{"rendered":"https:\/\/www.mohamah.net\/law\/?p=136989"},"modified":"2018-12-05T12:29:19","modified_gmt":"2018-12-05T09:29:19","slug":"%d8%a3%d8%a8%d8%ad%d8%a7%d8%ab-%d9%82%d8%a7%d9%86%d9%88%d9%86%d9%8a%d8%a9-%d8%ad%d9%88%d9%84-%d8%aa%d8%a3%d9%85%d9%8a%d9%86-%d8%aa%d9%88%d9%82%d9%81-%d8%a7%d9%84%d8%a3%d8%b9%d9%85%d8%a7%d9%84-%d8%aa","status":"publish","type":"post","link":"https:\/\/www.mohamah.net\/law\/%d8%a3%d8%a8%d8%ad%d8%a7%d8%ab-%d9%82%d8%a7%d9%86%d9%88%d9%86%d9%8a%d8%a9-%d8%ad%d9%88%d9%84-%d8%aa%d8%a3%d9%85%d9%8a%d9%86-%d8%aa%d9%88%d9%82%d9%81-%d8%a7%d9%84%d8%a3%d8%b9%d9%85%d8%a7%d9%84-%d8%aa\/","title":{"rendered":"\u0623\u0628\u062d\u0627\u062b \u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u062d\u0648\u0644 \u062a\u0623\u0645\u064a\u0646 \u062a\u0648\u0642\u0641 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 (\u062a\u0623\u0645\u064a\u0646 \u0641\u0642\u062f \u0627\u0644\u0623\u0631\u0628\u0627\u062d)"},"content":{"rendered":"

\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d\/ \u0623\u0648 \u062a\u0623\u0645\u064a\u0646 \u0641\u0642\u062f \u0627\u0644\u0623\u0631\u0628\u0627\u062d\/ \u0623\u0648 \u062a\u0623\u0645\u064a\u0646 \u062a\u0648\u0642\u0641 \u0627\u0644\u0623\u0639\u0645\u0627\u0644<\/span><\/p>\n

Profit insurance \/ Loss of profit insurance \/ business interruption insurance \/ business interruption policies ( BI) \/ business income insurance<\/span><\/p>\n

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\u062a\u0623\u0645\u064a\u0646 \u0641\u0642\u062f \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u064a\u0642\u062f\u0645 \u062d\u0645\u0627\u064a\u0629 \u0644\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0636\u062f:<\/span><\/p>\n

1\u0640 \u062e\u0633\u0627\u0631\u0629 \u0635\u0627\u0641\u064a \u0627\u0644\u0631\u0628\u062d \u0646\u062a\u064a\u062c\u0629 \u0644\u0646\u0642\u0635 \u0627\u0644\u0625\u0646\u062a\u0627\u062c \u0623\u0648 \u062a\u0648\u0642\u0641\u0647 \u0639\u0642\u0628 \u062d\u0627\u062f\u062b \u062d\u0631\u064a\u0642 .<\/p>\n

2\u0640 \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u0646\u0627\u062a\u062c\u0629 \u0639\u0646 \u0627\u0633\u062a\u0645\u0631\u0627\u0631 \u062f\u0641\u0639 \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062b\u0627\u0628\u062a\u0629 Overheads \u0639\u0642\u0628 \u062d\u0627\u062f\u062b \u062d\u0631\u064a\u0642 (\u0643\u0627\u0644\u0625\u064a\u062c\u0627\u0631 \u0648\u0627\u0644\u0623\u062c\u0648\u0631 \u0627\u0644\u062b\u0627\u0628\u062a\u0629 )<\/p>\n

3\u0640 \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629 \u0627\u0644\u062a\u064a \u064a\u0646\u0641\u0642\u0647\u0627 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0644\u0645\u0646\u0639 \u0623\u0648 \u062a\u0642\u0644\u064a\u0644 \u062a\u0648\u0642\u0641 \u0627\u0644\u0625\u0646\u062a\u0627\u062c \u060c\u060c \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u0627\u0633\u062a\u0626\u062c\u0627\u0631 \u0645\u0628\u0646\u0649 \u0622\u062e\u0631 \u0648\u0622\u0644\u0627\u062a \u0623\u062e\u0631\u0649 \u0644\u0625\u0639\u0627\u062f\u0629 \u0645\u0632\u0627\u0648\u0644\u0629 \u0627\u0644\u0646\u0634\u0627\u0637 \u0627\u0644\u0625\u0646\u062a\u0627\u062c\u064a .<\/p>\n

* \u0625\u0646 \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 material loss ( \u0645\u062b\u0644 \u0627\u062d\u062a\u0631\u0627\u0642 \u0627\u0644\u0645\u062e\u0632\u0648\u0646 ) \u062a\u0643\u0648\u0646 \u0645\u0644\u0645\u0648\u0633\u0629 \u0648\u0645\u062d\u062f\u062f\u0629 \u060c\u060c \u0648\u0644\u0643\u0646 \u0641\u0642\u062f \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u064a\u0643\u0648\u0646 \u063a\u064a\u0631 \u0645\u0644\u0645\u0648\u0633\u0627\u064b \u0641\u0644\u0627 \u064a\u0645\u0643\u0646 \u0642\u064a\u0627\u0633\u0647 \u0628\u0633\u0647\u0648\u0644\u0629 \u0641\u0644\u0627 \u0645\u0641\u0631 \u0645\u0646 \u0639\u062f\u0645 \u0627\u0644\u062f\u0642\u0629 \u060c\u060c \u0648\u0644\u0642\u062f \u0643\u0627\u0646 \u0623\u0648\u0644 \u0637\u0631\u064a\u0642\u0629 \u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0647\u0648 \u0645\u0646\u062d \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0646\u0633\u0628\u0629 \u0645\u0626\u0648\u064a\u0629 \u0645\u0646 \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u0627\u0644\u062a\u064a \u0633\u0628\u0628\u0647\u0627 \u0627\u0644\u062d\u0631\u064a\u0642 \u060c\u060c \u0648\u0644\u0643\u0646 \u0647\u0630\u0627 \u0627\u0644\u0645\u0642\u064a\u0627\u0633 \u0644\u0627 \u064a\u0635\u0644\u062d \u0641\u064a \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u060c\u060c \u0644\u0623\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0627\u0644\u0645\u0641\u0642\u0648\u062f\u0629 \u0644\u0627 \u064a\u0645\u0643\u0646 \u0642\u064a\u0627\u0633\u0647\u0627 \u0639\u0646 \u0637\u0631\u064a\u0642 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629<\/p>\n

\u064a\u062e\u0636\u0639 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0644\u0644\u0627\u0639\u062a\u0628\u0627\u0631\u0627\u062a \u0627\u0644\u062a\u0627\u0644\u064a\u0629:<\/span><\/p>\n

1 \u2013 \u0644\u0642\u0628\u0648\u0644 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0641\u0644\u0627\u0628\u062f \u0645\u0646 \u0648\u062c\u0648\u062f \u0648\u062b\u064a\u0642\u0629 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0633\u0627\u0631\u064a\u0629 \u0627\u0644\u0645\u0641\u0639\u0648\u0644 \u062a\u063a\u0637\u064a \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u0646\u062a\u064a\u062c\u0629 \u062d\u0631\u064a\u0642 \u0623\u0648 \u0623\u064a \u062e\u0637\u0631 \u0625\u0636\u0627\u0641\u064a \u0622\u062e\u0631 \u060c\u060c \u0644\u0630\u0627 \u064a\u0639\u062a\u0628\u0631 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u063a\u0637\u0627\u0621 \u0625\u0636\u0627\u0641\u064a \u0639\u0644\u0649 \u0648\u062b\u064a\u0642\u0629 \u062a\u0623\u0645\u064a\u0646 \u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0645\u062b\u0644 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642<\/p>\n

2 \u2013 \u062a\u063a\u0637\u064a \u0648\u062b\u064a\u0642\u0629 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0646\u0641\u0633 \u0627\u0644\u0623\u062e\u0637\u0627\u0631 \u0627\u0644\u0645\u0624\u0645\u0646 \u0636\u062f\u0647\u0627 \u0641\u064a \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u060c\u060c \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0645\u062b\u0644 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u062a\u063a\u0637\u064a \u0627\u0644\u062d\u0631\u064a\u0642 \u0648\u0627\u0644\u0635\u0627\u0639\u0642\u0629 \u0648\u0627\u0644\u0639\u0627\u0635\u0641\u0629 \u0648\u0627\u0644\u0641\u064a\u0636\u0627\u0646 \u0641\u0625\u0646 \u0648\u062b\u064a\u0642\u0629 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u062a\u063a\u0637\u064a \u0641\u0642\u062f \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0627\u0644\u0646\u0627\u0634\u0626 \u0645\u0646 \u0627\u0644\u062d\u0631\u064a\u0642 \u0623\u0648 \u0627\u0644\u0635\u0627\u0639\u0642\u0629 \u0623\u0648 \u0627\u0644\u0639\u0627\u0635\u0641\u0629 \u0623\u0648 \u0627\u0644\u0641\u064a\u0636\u0627\u0646<\/p>\n

3 \u2013 \u062a\u062e\u0636\u0639 \u0648\u062b\u064a\u0642\u0629 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0644\u0646\u0641\u0633 \u0627\u0644\u0627\u0633\u062a\u062b\u0646\u0627\u0621\u0627\u062a \u0641\u064a \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u060c\u060c \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0645\u062b\u0644 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u062a\u0633\u062a\u062b\u0646\u064a \u0627\u0644\u062d\u0631\u064a\u0642 \u0628\u0633\u0628\u0628 \u0627\u0644\u062d\u0631\u0628 \u0623\u0648 \u0627\u0644\u0632\u0644\u0632\u0627\u0644 \u0641\u0625\u0646 \u0648\u062b\u064a\u0642\u0629 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u062a\u062e\u0636\u0639 \u0644\u0646\u0641\u0633 \u0647\u0630\u0627 \u0627\u0644\u0627\u0633\u062a\u062b\u0646\u0627\u0621<\/p>\n

4 \u2013 \u0644\u0627\u0628\u062f \u0623\u0646 \u062a\u0643\u0648\u0646 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0642\u062f \u0642\u0628\u0644\u062a \u0645\u0633\u0626\u0648\u0644\u064a\u062a\u0647\u0627 \u0639\u0646 \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u0648\u0642\u0628\u0644\u062a \u0633\u062f\u0627\u062f \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0645\u0633\u062a\u062d\u0642 \u0639\u0646\u0647\u0627 \u0642\u0628\u0644 \u0623\u0646 \u062a\u0635\u0631\u0641 \u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0623\u0631\u0628\u0627\u062d<\/p>\n

5 \u2013 \u064a\u0645\u0643\u0646 \u0645\u0646\u062d \u063a\u0637\u0627\u0621 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0639\u0646 \u0637\u0631\u064a\u0642 \u0645\u0644\u062d\u0642 \u0625\u0636\u0627\u0641\u0629 \u0639\u0644\u0649 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u0639\u0644\u0649 \u0623\u0646 \u062a\u0631\u0641\u0642 \u0628\u0647 \u0627\u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u0639\u0645\u0648\u0645\u064a\u0629 \u0644\u062a\u0623\u0645\u064a\u0646 \u0641\u0642\u062f \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u060c\u060c \u0623\u0648 \u0639\u0646 \u0637\u0631\u064a\u0642 \u0625\u0635\u062f\u0627\u0631 \u0648\u062b\u064a\u0642\u0629 \u062a\u0623\u0645\u064a\u0646 \u0641\u0642\u062f \u0627\u0644\u0623\u0631\u0628\u0627\u062d<\/p>\n

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* \u0645\u0648\u0636\u0648\u0639 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0647\u0648 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0648\u0644\u0643\u0646\u0647 \u0641\u0642\u0637 \u0635\u0627\u0641\u064a \u0627\u0644\u0631\u0628\u062d \u0645\u0636\u0627\u0641\u0627\u064b \u0625\u0644\u064a\u0647 \u0628\u0646\u0648\u062f \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062b\u0627\u0628\u062a\u0629 \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627<\/p>\n

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\u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a<\/span><\/p>\n

\u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a =\u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062b\u0627\u0628\u062a\u0629 +\u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u0645\u062a\u063a\u064a\u0631\u0629 + \u0635\u0627\u0641\u064a \u0627\u0644\u0631\u0628\u062d<\/p>\n

\u0645\u0639 \u0645\u0644\u0627\u062d\u0638\u0629 \u0623\u0646 \u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0628\u0636\u0627\u0639\u0629 \u0627\u0644\u0645\u0628\u0627\u0639\u0629 \u062a\u0645\u062b\u0644 \u0623\u0643\u0628\u0631 \u0628\u0646\u062f \u0645\u0635\u0627\u0631\u064a\u0641 \u0645\u062a\u063a\u064a\u0631\u0629 \u0628\u0627\u0644\u0646\u0633\u0628\u0629 \u0644\u062a\u0627\u062c\u0631 \u0627\u0644\u0628\u0636\u0627\u0626\u0639<\/p>\n

* \u0648\u0627\u0636\u062d \u0623\u0646\u0647 \u0645\u0639 \u062a\u0648\u0642\u0641 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0648\u0627\u0646\u0642\u0637\u0627\u0639 \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0625\u0646\u0647 \u0633\u064a\u062a\u0645 \u062a\u0648\u0641\u064a\u0631 \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u0645\u062a\u063a\u064a\u0631\u0629 \u060c\u060c \u0648\u0628\u0646\u0627\u0621 \u0639\u0644\u064a\u0647 \u0644\u064a\u0633 \u0647\u0646\u0627\u0643 \u062d\u0627\u062c\u0629 \u0625\u0644\u0649 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u064a\u0647\u0627 \u060c\u060c \u0648\u0639\u0644\u0649 \u0627\u0644\u0639\u0643\u0633 \u0645\u0646 \u0630\u0644\u0643 \u0641\u0625\u0646\u0647 \u064a\u062c\u0628 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062b\u0627\u0628\u062a\u0629 \u0648\u0635\u0627\u0641\u064a \u0627\u0644\u0631\u0628\u062d \u060c\u060c \u0648\u064a\u0637\u0644\u0642 \u0639\u0644\u064a\u0647\u0645\u0627 \u0645\u0635\u0637\u0644\u062d \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d gross profit \u0644\u0630\u0627 \u0641\u0625\u0646 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0647\u0648 \u0645\u0648\u0636\u0648\u0639 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0648\u0644\u0643\u0646\u0647 \u0641\u0642\u0637 \u0635\u0627\u0641\u064a \u0627\u0644\u0631\u0628\u062d \u0645\u0636\u0627\u0641\u0627\u064b \u0625\u0644\u064a\u0647 \u0628\u0646\u0648\u062f \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062b\u0627\u0628\u062a\u0629 \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627 (\u0644\u0623\u0646 \u0628\u0639\u0636 \u0628\u0646\u0648\u062f \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062b\u0627\u0628\u062a\u0629 \u0642\u062f \u062a\u0643\u0648\u0646 \u063a\u064a\u0631 \u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627)<\/p>\n

\u0645\u062b\u0640\u0640\u0640\u0640\u0640\u0640\u0627\u0644 \u0628\u0633\u064a\u0637<\/span><\/p>\n

\u0641\u064a \u0647\u0630\u0627 \u0627\u0644\u0645\u062b\u0627\u0644 \u0646\u0641\u062a\u0631\u0636 \u0645\u0627 \u064a\u0644\u064a :<\/p>\n

* \u0646\u0641\u062a\u0631\u0636 \u0623\u0646\u0647 \u0642\u062f \u062a\u0645 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0635\u0627\u0641\u064a \u0627\u0644\u0631\u0628\u062d \u0648\u062c\u0645\u064a\u0639 \u0628\u0646\u0648\u062f \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062b\u0627\u0628\u062a\u0629 \u0628\u0627\u0644\u0643\u0627\u0645\u0644<\/p>\n

* \u0646\u0641\u062a\u0631\u0636 \u0623\u0646\u0647 \u0641\u064a \u0623\u0648\u0644 \u0645\u0627\u0631\u0633 \u0633\u0646\u0629 2016 \u062d\u062f\u062b \u062d\u0631\u064a\u0642 \u0628\u0634\u0631\u0643\u0629 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0623\u062f\u0649 \u062a\u0648\u0642\u0641 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u062c\u0632\u0626\u064a\u0627\u064b \u0644\u0645\u062f\u0629 12 \u0634\u0647\u0631\u0627\u064b<\/p>\n

* \u0646\u0641\u062a\u0631\u0636 \u0623\u0646 \u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0641\u064a \u062e\u0644\u0627\u0644 \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (\u0627\u0644\u0645\u062d\u0627\u0633\u0628\u064a\u0629) \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u0645\u0628\u0627\u0634\u0631\u0629 \u0639\u0644\u0649 \u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u0643\u0627\u0646\u062a 30% \u0648\u0630\u0644\u0643 \u0645\u0646 \u0648\u0627\u0642\u0639 \u0642\u0627\u0626\u0645\u0629 \u0627\u0644\u062f\u062e\u0644 \u0639\u0646 \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u0645\u062d\u0627\u0633\u0628\u064a\u0629 \u0627\u0644\u0645\u0646\u062a\u0647\u064a\u0629 \u0641\u064a 31\/12\/2015 \u0628\u0634\u0631\u0643\u0629 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u060c\u060c \u0648\u0637\u0628\u0642\u0627\u064b \u0644\u0627\u0641\u062a\u0631\u0627\u0636 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u064a\u062c\u0628 \u0623\u0646 \u062a\u0638\u0644 \u0647\u0630\u0647 \u0627\u0644\u0646\u0633\u0628\u0629 \u062b\u0627\u0628\u062a\u0629 \u0648\u0644\u0627 \u062a\u062a\u063a\u064a\u0631 \u0628\u0645\u0631\u0648\u0631 \u0627\u0644\u0632\u0645\u0646 \u064a\u0639\u0646\u064a \u062a\u0633\u062a\u062e\u062f\u0645 \u0641\u064a \u0643\u0627\u0641\u0629 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u062d\u0633\u0627\u0628\u064a\u0629 \u0627\u0644\u0645\u062a\u0639\u0644\u0642\u0629 \u0628\u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u060c\u060c \u0644\u0630\u0627 \u0625\u0630\u0627 \u0639\u0644\u0645\u0646\u0627 \u0623\u0646 \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0641\u064a \u062e\u0644\u0627\u0644 12 \u0634\u0647\u0631\u0627\u064b \u0633\u0627\u0628\u0642\u0629 \u0645\u0628\u0627\u0634\u0631\u0629 \u0639\u0644\u0649 \u062d\u0627\u062f\u062b \u0627\u0644\u062d\u0631\u064a\u0642 \u0647\u0648 1000 \u062c\u0646\u064a\u0647 \u060c\u060c \u0641\u0625\u0646 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0647\u0648 30% \u0645\u0646 \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u064a\u0639\u0646\u064a 300 \u062c\u0646\u064a\u0647 \u060c\u060c \u0648\u0644\u0645\u0627 \u0643\u0627\u0646\u062a \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062b\u0627\u0628\u062a\u0629 \u0647\u064a 200 \u062c\u0646\u064a\u0647 \u0641\u0625\u0646 \u0635\u0627\u0641\u064a \u0627\u0644\u0631\u0628\u062d \u0647\u0648 100 \u062c\u0646\u064a\u0647 \u060c\u060c \u0648\u0644\u0645\u0627 \u0643\u0627\u0646 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0647\u0648 30% \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u0627\u0641\u062a\u0631\u0627\u0636\u064a \u060c\u060c \u0641\u0625\u0646 \u0628\u0627\u0642\u064a \u0627\u0644\u0646\u0633\u0628\u0629 \u0648\u0647\u064a 70% \u062a\u0645\u062b\u0644 \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u0645\u062a\u063a\u064a\u0631\u0629 \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u0627\u0641\u062a\u0631\u0627\u0636\u064a \u060c\u060c<\/p>\n

\u0635\u0627\u0641\u064a \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u062a\u062c\u0627\u0631\u064a net trading profit \u0647\u0648 \u0635\u0627\u0641\u064a \u0627\u0644\u0631\u0628\u062d \u0645\u0646 \u0627\u0644\u0646\u0634\u0627\u0637 \u0627\u0644\u062a\u062c\u0627\u0631\u064a \u0627\u0644\u0631\u0626\u064a\u0633\u064a \u0644\u0644\u0634\u0631\u0643\u0629 \u0648\u0644\u0627 \u064a\u0634\u062a\u0645\u0644 \u0639\u0644\u0649 \u0627\u0644\u0631\u0628\u062d \u0645\u0646 \u0645\u0635\u0627\u062f\u0631 \u0623\u062e\u0631\u0649 \u0645\u062b\u0644 \u0627\u0644\u0631\u0628\u062d \u0645\u0646 \u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a \u0641\u064a \u0627\u0644\u0623\u0648\u0631\u0627\u0642 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0623\u0648 \u0627\u0644\u0641\u0648\u0627\u0626\u062f \u0639\u0644\u0649 \u0627\u0644\u0625\u064a\u062f\u0627\u0639\u0627\u062a \u0628\u0627\u0644\u0628\u0646\u0648\u0643 \u0644\u0623\u0646 \u0647\u0630\u0627 \u0627\u0644\u0631\u0628\u062d \u0644\u0646 \u064a\u062a\u0623\u062b\u0631 \u0628\u062a\u0648\u0642\u0641 \u0627\u0644\u0623\u0639\u0645\u0627\u0644<\/p>\n

\u0645\u0646 \u0627\u0644\u062c\u062f\u0648\u0644 \u0627\u0644\u0633\u0627\u0628\u0642 \u0646\u0644\u0627\u062d\u0638 \u0623\u0646 \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u0645\u062a\u063a\u064a\u0631\u0629 \u0627\u0644\u0645\u0628\u0627\u0634\u0631\u0629 \u062a\u0646\u0627\u0642\u0635\u062a \u0628\u0639\u062f \u0627\u0644\u062d\u0631\u064a\u0642 \u0644\u0623\u0646 \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0642\u0644 \u0648\u062a\u0646\u0627\u0642\u0635 \u060c\u060c \u0628\u064a\u0646\u0645\u0627 \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062b\u0627\u0628\u062a\u0629 \u0638\u0644\u062a \u062b\u0627\u0628\u062a\u0629 \u0628\u062f\u0648\u0646 \u062a\u063a\u064a\u064a\u0631 \u0628\u0639\u062f \u0627\u0644\u062d\u0631\u064a\u0642 \u060c\u060c<\/p>\n

\u0645\u0646 \u0627\u0644\u062c\u062f\u0648\u0644 \u0627\u0644\u0633\u0627\u0628\u0642 \u0646\u062c\u062f \u0623\u0646 \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0642\u0644 \u0648\u062a\u0646\u0627\u0642\u0635 \u0645\u0646 1000 \u062c\u0646\u064a\u0647 \u0642\u0628\u0644 \u0627\u0644\u062d\u0631\u064a\u0642 \u0625\u0644\u0649 600 \u062c\u0646\u064a\u0647 \u0628\u0639\u062f \u0627\u0644\u062d\u0631\u064a\u0642 \u060c\u060c \u0644\u0630\u0627 \u0627\u0644\u0639\u062c\u0632 (\u0627\u0644\u0646\u0642\u0635) \u0641\u064a \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a shortage in turnover \/reduction in turnover \u0628\u0639\u062f \u0627\u0644\u062d\u0631\u064a\u0642 \u0647\u0648 \u0645\u0628\u0644\u063a 400 \u062c\u0646\u064a\u0647 \u060c\u060c \u0648\u064a\u062c\u0628 \u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0628\u0645\u0627 \u064a\u0639\u0627\u062f\u0644 \u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0645\u0636\u0631\u0648\u0628\u0629 \u0641\u064a \u0627\u0644\u0639\u062c\u0632 \u0641\u064a \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0628\u0639\u062f \u0627\u0644\u062d\u0631\u064a\u0642<\/p>\n

\u0627\u0644\u062a\u0639\u0648\u064a\u0636 = \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0639\u0646 \u0627\u0644\u0639\u062c\u0632 \u0641\u064a \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a = 400 \u00d7 30 % = 120 \u062c\u0646\u064a\u0647<\/p>\n

* \u0628\u0637\u0631\u064a\u0642\u0629 \u0623\u062e\u0631\u0649 \u0646\u0644\u0627\u062d\u0638 \u0623\u0646 \u0645\u0628\u0644\u063a \u0639\u0634\u0631\u064a\u0646 \u062c\u0646\u064a\u0647 \u062e\u0633\u0627\u0631\u0629 \u0628\u0639\u062f \u0627\u0644\u062d\u0631\u064a\u0642 \u0647\u0648 \u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062b\u0627\u0628\u062a\u0629 (200 \u062c\u0646\u064a\u0647) \u0639\u0644\u0649 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d (600 \u00d7 30%) \u060c\u060c \u0647\u0630\u0627 \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0623\u0646 \u0635\u0627\u062d\u0628 \u0627\u0644\u0645\u0634\u0631\u0648\u0639 \u0642\u062f \u0641\u0642\u062f \u0635\u0627\u0641\u064a \u0631\u0628\u062d 100 \u062c\u0646\u064a\u0647 \u0643\u0627\u0646 \u064a\u062d\u0642\u0642\u0647 \u0642\u0628\u0644 \u0627\u0644\u062d\u0631\u064a\u0642 \u060c\u060c \u0644\u0630\u0627 \u0641\u0625\u0646 \u0648\u062b\u064a\u0642\u0629 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u064a\u062c\u0628 \u0623\u0646 \u062a\u0639\u0648\u0636 \u0635\u0627\u062d\u0628 \u0627\u0644\u0645\u0634\u0631\u0648\u0639 \u0628\u0645\u0628\u0644\u063a 120 \u062c\u0646\u064a\u0647 (\u0639\u0628\u0627\u0631\u0629 \u0639\u0646 20 \u062c\u0646\u064a\u0647 \u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062b\u0627\u0628\u062a\u0629 \u0639\u0644\u0649 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d + 100 \u062c\u0646\u064a\u0647 \u0635\u0627\u0641\u064a \u0631\u0628\u062d ) \u060c\u060c<\/p>\n

* \u0648\u0644\u0648 \u0627\u0641\u062a\u0631\u0636\u0646\u0627 \u0627\u0641\u062a\u0631\u0627\u0636 \u062c\u062f\u064a\u062f \u0641\u064a \u0627\u0644\u0645\u062b\u0627\u0644 \u0627\u0644\u0633\u0627\u0628\u0642 \u0648\u0647\u0648 \u0623\u0646 \u0635\u0627\u062d\u0628 \u0627\u0644\u0645\u0634\u0631\u0648\u0639 \u0642\u062f \u0627\u062a\u062e\u0630 \u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0637\u0648\u0627\u0631\u0626 (\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u063a\u064a\u0631 \u0627\u0639\u062a\u064a\u0627\u062f\u064a\u0629) \u0645\u062b\u0644 \u0627\u0633\u062a\u0626\u062c\u0627\u0631 \u0622\u0644\u0627\u062a \u0644\u0625\u0639\u0627\u062f\u0629 \u0645\u0632\u0627\u0648\u0644\u0629 \u0627\u0644\u0646\u0634\u0627\u0637 \u0627\u0644\u0625\u0646\u062a\u0627\u062c\u064a \u0623\u0648 \u0644\u062a\u0642\u0644\u064a\u0644 \u0627\u0644\u0639\u062c\u0632 \u0641\u064a \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0628\u0639\u062f \u0627\u0644\u062d\u0631\u064a\u0642 \u0641\u0625\u0646 \u0630\u0644\u0643 \u0633\u0648\u0641 \u064a\u0624\u062f\u064a \u0625\u0644\u0649 \u0632\u064a\u0627\u062f\u0629 \u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062a\u0634\u063a\u064a\u0644 working expenses \u0648\u062a\u0633\u0645\u0649 \u0647\u0630\u0647 \u0627\u0644\u0632\u064a\u0627\u062f\u0629 \u0641\u064a \u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062a\u0634\u063a\u064a\u0644 \u0628\u0627\u0644\u0625\u0646\u0641\u0627\u0642 \u0627\u0644\u0625\u0636\u0627\u0641\u064a \u0623\u0648 \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629 Additional Expenditure (extra expenses) \u060c\u060c \u0644\u0646\u0641\u062a\u0631\u0636 \u0623\u0646 \u0635\u0627\u062d\u0628 \u0627\u0644\u0645\u0634\u0631\u0648\u0639 \u0642\u062f \u0635\u0631\u0641 70 \u062c\u0646\u064a\u0647 \u0645\u0635\u0627\u0631\u064a\u0641 \u0625\u0636\u0627\u0641\u064a\u0629 (\u062a\u0643\u0627\u0644\u064a\u0641 \u0632\u0627\u0626\u062f\u0629) additional expenses (increased cost) \u0648\u0625\u0630\u0627 \u0644\u0645 \u064a\u062a\u0645 \u0635\u0631\u0641 \u0647\u0630\u0647 \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0641\u0625\u0646 \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0628\u0639\u062f \u0627\u0644\u062d\u0631\u064a\u0642 \u0633\u064a\u0643\u0648\u0646 450 \u062c\u0646\u064a\u0647 \u0628\u062f\u0644\u0627\u064b \u0645\u0646 600 \u062c\u0646\u064a\u0647 \u064a\u0639\u0646\u064a \u0627\u0644\u0639\u062c\u0632 \u0641\u064a \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0630\u064a \u062a\u0645 \u0627\u062c\u062a\u0646\u0627\u0628\u0647 shortage in turnover avoided \u0647\u0648 150 \u062c\u0646\u064a\u0647 \u0646\u062a\u064a\u062c\u0629 \u0635\u0631\u0641 \u0645\u0635\u0627\u0631\u064a\u0641 \u0625\u0636\u0627\u0641\u064a\u0629 \u0642\u062f\u0631\u0647\u0627 70 \u062c\u0646\u064a\u0647 \u060c\u060c \u0648\u0627\u0644\u0639\u062c\u0632 \u0641\u064a \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0630\u064a \u062a\u0645 \u0627\u062c\u062a\u0646\u0627\u0628\u0647 \u0647\u0648 \u0632\u064a\u0627\u062f\u0629 \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0646\u062a\u064a\u062c\u0629 \u0635\u0631\u0641 \u0627\u0644\u0645\u0635\u0631\u0648\u0641\u0627\u062a \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629 \u060c\u060c \u0648\u064a\u062c\u0628 \u0639\u0644\u0649 \u0648\u062b\u064a\u0642\u0629 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0623\u0646 \u062a\u0639\u0648\u0636 \u0623\u064a\u0636\u0627\u064b \u0635\u0627\u062d\u0628 \u0627\u0644\u0645\u0634\u0631\u0648\u0639 \u0639\u0646 \u0647\u0630\u0647 \u0627\u0644\u0645\u0635\u0631\u0648\u0641\u0627\u062a \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u0645 \u0635\u0631\u0641\u0647\u0627 \u0644\u0632\u064a\u0627\u062f\u0629 \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0648\u062a\u0642\u0644\u064a\u0644 \u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u060c\u060c \u0648\u0644\u0643\u0646 \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u0642\u0635\u0649 \u0627\u0644\u0645\u0633\u0645\u0648\u062d \u0628\u0647 \u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629 (\u0627\u0644\u062a\u0643\u0627\u0644\u064a\u0641 \u0627\u0644\u0632\u0627\u0626\u062f\u0629) \u064a\u062c\u0628 \u0623\u0646 \u0644\u0627 \u064a\u0632\u064a\u062f \u0639\u0646 \u0636\u0631\u0628 \u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0641\u064a \u0639\u062c\u0632 \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0630\u064a \u062a\u0645 \u0627\u062c\u062a\u0646\u0627\u0628\u0647<\/p>\n

\u0627\u0644\u0639\u062c\u0632 \u0641\u064a \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0630\u064a \u062a\u0645 \u0627\u062c\u062a\u0646\u0627\u0628\u0647 = 600 \u0640 450 = 150 \u062c\u0646\u064a\u0647<\/p>\n

\u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0639\u0646 \u0627\u0644\u0639\u062c\u0632 \u0641\u064a \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0630\u064a \u062a\u0645 \u0627\u062c\u062a\u0646\u0627\u0628\u0647 = 150 \u00d7 30% = 45 \u062c\u0646\u064a\u0647<\/p>\n

\u0644\u0630\u0627 \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u0642\u0635\u0649 \u0627\u0644\u0645\u0633\u0645\u0648\u062d \u0628\u0647 \u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629 \u0647\u0648 45 \u062c\u0646\u064a\u0647 \u0628\u062f\u0644\u0627\u064b \u0645\u0646 70 \u062c\u0646\u064a\u0647<\/p>\n

\u0644\u0630\u0627 \u0641\u0625\u0646 \u0648\u062b\u064a\u0642\u0629 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u064a\u062c\u0628 \u0623\u0646 \u062a\u0639\u0648\u0636 \u0635\u0627\u062d\u0628 \u0627\u0644\u0645\u0634\u0631\u0648\u0639 \u0628\u0645\u0628\u0644\u063a 165 \u062c\u0646\u064a\u0647 ((\u0639\u0628\u0627\u0631\u0629 \u0639\u0646 120 \u062c\u0646\u064a\u0647 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0639\u0646 \u0627\u0644\u0639\u062c\u0632 \u0641\u064a \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a + 45 \u062c\u0646\u064a\u0647 \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u0642\u0635\u0649 \u0627\u0644\u0645\u0633\u0645\u0648\u062d \u0628\u0647 \u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629))<\/p>\n

* \u0644\u0627\u062d\u0638 \u0627\u0644\u0641\u0631\u0642 \u0628\u064a\u0646 \u0645\u0635\u0637\u0644\u062d \u0627\u0644\u0639\u062c\u0632 \u0641\u064a \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a (400 \u062c\u0646\u064a\u0647) \u0648\u0645\u0635\u0637\u0644\u062d \u0627\u0644\u0639\u062c\u0632 \u0641\u064a \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0630\u064a \u062a\u0645 \u0627\u062c\u062a\u0646\u0627\u0628\u0647 (150 \u062c\u0646\u064a\u0647)<\/p>\n

\u062a\u0634\u063a\u064a\u0644 \u0648\u062b\u064a\u0642\u0629 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d<\/span><\/p>\n

Operation of the Profit Policy<\/p>\n

\u064a\u062a\u0645 \u062a\u0634\u063a\u064a\u0644 \u0648\u062b\u064a\u0642\u0629 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d Rate of Gross Profit \u064a\u0639\u0646\u064a \u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0625\u0644\u0649 \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a Ratio of Gross Profit to Turnover \u0648\u0647\u0630\u0647 \u0627\u0644\u0646\u0633\u0628\u0629 \u064a\u062a\u0645 \u0625\u064a\u062c\u0627\u062f\u0647\u0627 \u0637\u0628\u0642\u0627\u064b \u0644\u062a\u0639\u0631\u064a\u0641 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0644\u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0628\u063a\u0636 \u0627\u0644\u0646\u0638\u0631 \u0639\u0646 \u0645\u0639\u0646\u0649 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0641\u064a \u0627\u0644\u0645\u062d\u0627\u0633\u0628\u0629 \u060c\u060c \u064a\u0639\u0646\u064a \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d = \u0635\u0627\u0641\u064a \u0627\u0644\u0631\u0628\u062d + \u0628\u0646\u0648\u062f \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062b\u0627\u0628\u062a\u0629 \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627 \u0641\u0642\u0637<\/p>\n

\u062a\u0639\u0631\u064a\u0641 \u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d<\/span><\/p>\n

\u0648\u0642\u062f \u0639\u0631\u0641\u062a \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0639\u0644\u0649 \u0625\u0646\u0647\u0627 \u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0645\u0643\u062a\u0633\u0628 \u0625\u0644\u0649 \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0641\u064a \u062e\u0644\u0627\u0644 \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (\u0627\u0644\u0645\u062d\u0627\u0633\u0628\u064a\u0629) \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u0645\u0628\u0627\u0634\u0631\u0629 \u0639\u0644\u0649 \u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u060c\u060c \u0648\u064a\u0645\u0643\u0646 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u064a\u0647\u0627 \u0645\u0646 \u0642\u0627\u0626\u0645\u0629 \u0627\u0644\u062f\u062e\u0644 \u0644\u0634\u0631\u0643\u0629 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0641\u064a \u0646\u0647\u0627\u064a\u0629 \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (\u0627\u0644\u0645\u062d\u0627\u0633\u0628\u064a\u0629) \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u0645\u0628\u0627\u0634\u0631\u0629 \u0639\u0644\u0649 \u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u060c\u060c \u0648\u0645\u062a\u0649 \u062a\u0645 \u062d\u0633\u0627\u0628 \u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0639\u0644\u0649 \u0647\u0630\u0627 \u0627\u0644\u0623\u0633\u0627\u0633 \u0641\u0625\u0646 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u062a\u0641\u062a\u0631\u0636 \u0625\u0646\u0647\u0627 \u062a\u0638\u0644 \u062b\u0627\u0628\u062a\u0629 \u0645\u0646 \u0633\u0646\u0629 \u0625\u0644\u0649 \u0623\u062e\u0631\u0649 \u0648\u0644\u0627 \u062a\u062a\u063a\u064a\u0631 (( \u064a\u0639\u0646\u064a \u0633\u0646\u0633\u062a\u062e\u062f\u0645\u0647\u0627 \u0641\u064a \u0643\u0644 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u062d\u0633\u0627\u0628\u064a\u0629 \u0627\u0644\u0645\u062a\u0639\u0644\u0642\u0629 \u0628\u0627\u0644\u062a\u0639\u0648\u064a\u0636)) \u060c\u060c \u0644\u0630\u0627 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0645\u0641\u0642\u0648\u062f \u064a\u0645\u0643\u0646 \u0625\u064a\u062c\u0627\u062f\u0647 \u0639\u0646 \u0637\u0631\u064a\u0642 \u0636\u0631\u0628 \u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0641\u064a \u0627\u0644\u0639\u062c\u0632 \u0641\u064a \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a shortage in turnover \u0627\u0644\u0646\u0627\u0634\u0626 \u0645\u0646 \u0627\u0644\u0636\u0631\u0631 \u0627\u0644\u0645\u0627\u062f\u064a \u060c\u060c \u0648\u0627\u0633\u062a\u0645\u0631\u0627\u0631\u0627\u064b \u0644\u0644\u0645\u062b\u0627\u0644 \u0627\u0644\u0633\u0627\u0628\u0642 \u0627\u0641\u062a\u0631\u0636\u0646\u0627 \u0623\u0646 \u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0641\u064a \u062e\u0644\u0627\u0644 \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (\u0627\u0644\u0645\u062d\u0627\u0633\u0628\u064a\u0629) \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u0645\u0628\u0627\u0634\u0631\u0629 \u0639\u0644\u0649 \u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u0643\u0627\u0646\u062a 30%<\/p>\n

\u0648\u0646\u0633\u0628\u0629 30% \u0647\u064a \u0627\u0644\u062a\u064a \u062a\u0637\u0628\u0642 \u0639\u0644\u0649 \u0627\u0644\u0639\u062c\u0632 \u0641\u064a \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0628\u0639\u062f \u0627\u0644\u062d\u0631\u064a\u0642 (400 \u062c\u0646\u064a\u0647) \u0644\u0644\u062a\u0648\u0635\u0644 \u0625\u0644\u0649 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0639\u0646 \u0641\u0642\u062f \u0627\u0644\u0623\u0631\u0628\u0627\u062d<\/p>\n

\u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646<\/span><\/p>\n

\u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0647\u0648 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u062a\u0642\u062f\u064a\u0631\u064a (\u0627\u0644\u0645\u062a\u0648\u0642\u0639) estimated gross profit \u0648\u064a\u062a\u0645 \u062a\u0642\u062f\u064a\u0631\u0647 \u0628\u0648\u0627\u0633\u0637\u0629 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0639\u0646 \u0645\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0642\u0635\u0648\u0649\u0627\u0644\u0645\u062d\u062f\u062f\u0629 \u0628\u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u060c\u060c \u0648\u0623\u0633\u0627\u0633 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0641\u064a \u0648\u062b\u064a\u0642\u0629 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0647\u0648 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0633\u0646\u0648\u064a \u0627\u0644\u0645\u062a\u0648\u0642\u0639 \u060c\u060c \u0641\u0625\u0630\u0627 \u0643\u0627\u0646\u062a\u0645\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0642\u0635\u0648\u0649\u0627\u0644\u0645\u062d\u062f\u062f\u0629 \u0628\u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0647\u064a \u0633\u0646\u0629 \u0641\u0625\u0646 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0647\u0648 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0633\u0646\u0648\u064a \u0627\u0644\u0645\u062a\u0648\u0642\u0639 \u060c\u060c \u0648\u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u0645\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0642\u0635\u0648\u0649 \u0627\u0644\u0645\u062d\u062f\u062f\u0629 \u0628\u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0647\u064a \u0623\u0642\u0644 \u0645\u0646 \u0633\u0646\u0629 \u0641\u0625\u0646 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0647\u0648 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0633\u0646\u0648\u064a \u0627\u0644\u0645\u062a\u0648\u0642\u0639 \u0648\u0644\u0643\u0646 \u064a\u062a\u0645 \u062a\u0639\u062f\u064a\u0644 \u0645\u0639\u062f\u0644 \u0627\u0644\u0642\u0633\u0637 \u060c\u060c \u0648\u0625\u0630\u0627 \u0632\u0627\u062f\u062a \u0645\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0642\u0635\u0648\u0649 \u0627\u0644\u0645\u062d\u062f\u062f\u0629 \u0628\u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0639\u0646 \u0633\u0646\u0629 \u064a\u0632\u064a\u062f \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 (\u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0645\u062a\u0648\u0642\u0639) \u0628\u0627\u0644\u062a\u0646\u0627\u0633\u0628 \u0645\u0639 \u0632\u064a\u0627\u062f\u0629 \u0645\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0642\u0635\u0648\u0649 \u060c\u060c \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u0645\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0642\u0635\u0648\u0649 18 \u0634\u0647\u0631\u0627\u064b \u064a\u0642\u0627\u0628\u0644\u0647\u0627 \u0645\u0628\u0644\u063a \u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0633\u0646\u0648\u064a \u0627\u0644\u0645\u062a\u0648\u0642\u0639 + 50 % \u0645\u0646 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0633\u0646\u0648\u064a \u0627\u0644\u0645\u062a\u0648\u0642\u0639\u060c\u060c \u0648\u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u0645\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0642\u0635\u0648\u0649 24 \u0634\u0647\u0631\u0627\u064b \u064a\u0642\u0627\u0628\u0644\u0647\u0627 \u0645\u0628\u0644\u063a \u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0633\u0646\u0648\u064a \u0627\u0644\u0645\u062a\u0648\u0642\u0639 + 100 % \u0645\u0646 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0633\u0646\u0648\u064a \u0627\u0644\u0645\u062a\u0648\u0642\u0639<\/p>\n

\u060c\u060c \u0648\u0645\u0646 \u0627\u0644\u0623\u0641\u0636\u0644 \u0632\u064a\u0627\u062f\u0629 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062a\u0648\u0642\u0639\u0627\u064b \u0644\u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u0646\u0634\u0627\u0637 \u0645\u0633\u062a\u0642\u0628\u0644\u0627\u064b \u0648\u0644\u0627 \u064a\u062e\u0634\u0649 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0645\u0646 \u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u0632\u0627\u0626\u062f \u0646\u062a\u064a\u062c\u0629 \u0632\u064a\u0627\u062f\u0629 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u060c\u060c \u0644\u0623\u0646 \u0627\u0644\u0642\u0633\u0637 \u064a\u0643\u0648\u0646 \u062e\u0627\u0636\u0639 \u0644\u0644\u062a\u0633\u0648\u064a\u0629 \u0641\u064a \u0646\u0647\u0627\u064a\u0629 \u0645\u062f\u0629 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0641\u062a\u0631\u062f \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0646\u0633\u0628\u0629 \u0645\u0646 \u0627\u0644\u0642\u0633\u0637 \u0627\u0644\u0632\u0627\u0626\u062f \u0625\u0630\u0627 \u0643\u0627\u0646 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0641\u0639\u0644\u064a \u0623\u0642\u0644 \u0645\u0646 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0647\u0630\u0627 \u0645\u0627 \u064a\u0637\u0644\u0642 \u0639\u0644\u064a\u0647 \u062a\u0633\u0648\u064a\u0629 \u0627\u0644\u0642\u0633\u0637 premium adjustment \u060c\u060c \u0648\u0644\u0623\u0646 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u064a\u062e\u0636\u0639 \u0644\u0642\u0627\u0639\u062f\u0629 \u0627\u0644\u0646\u0633\u0628\u064a\u0629 \u0639\u0646\u062f\u0645\u0627 \u064a\u0643\u0648\u0646 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0623\u0642\u0644 \u0645\u0646 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0645\u0639\u0631\u0636 \u0644\u0644\u062e\u0637\u0631 gross profit at risk \u060c\u060c<\/p>\n

\u0648\u0645\u0646 \u0648\u0627\u0642\u0639 \u0627\u0644\u0642\u0648\u0627\u0626\u0645 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0644\u0644\u0633\u0646\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u0639\u0644\u0649 \u0625\u0635\u062f\u0627\u0631 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u064a\u0633\u062a\u0637\u064a\u0639 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u062a\u062d\u062f\u064a\u062f \u0627\u0644\u0645\u0635\u0631\u0648\u0641\u0627\u062a \u0627\u0644\u062b\u0627\u0628\u062a\u0629 \u0648\u0635\u0627\u0641\u064a \u0627\u0644\u0631\u0628\u062d \u0648\u0641\u0642\u0627\u064b \u0644\u0644\u0645\u0639\u0627\u062f\u0644\u0627\u062a \u0627\u0644\u0622\u062a\u064a\u0629:<\/p>\n

\u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d = \u0635\u0627\u0641\u064a \u0627\u0644\u0631\u0628\u062d + \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062b\u0627\u0628\u062a\u0629<\/p>\n

\u0648\u062d\u0633\u0627\u0628 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0645\u0639\u0627\u062f\u0644\u0629 \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u064a\u0637\u0644\u0642 \u0639\u0644\u064a\u0647 \u062d\u0633\u0627\u0628 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u0627\u0644\u0625\u0636\u0627\u0641\u0629 addition basis<\/p>\n

\u0648\u0631\u063a\u0645\u0627\u064b \u0645\u0646 \u0623\u0646 \u062a\u062d\u062f\u064a\u062f \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0648\u0641\u0642\u0627\u064b \u0644\u0644\u0645\u0639\u0627\u062f\u0644\u0629 \u0627\u0644\u0645\u0630\u0643\u0648\u0631\u0629 \u0623\u0639\u0644\u0627\u0647 \u064a\u0639\u062a\u0628\u0631 \u0635\u062d\u064a\u062d\u0627\u064b \u0641\u064a \u0645\u062c\u0627\u0644 \u0627\u0644\u0645\u062d\u0627\u0633\u0628\u0629 \u060c\u060c \u0625\u0644\u0627 \u0625\u0646\u0647 \u0644\u0627 \u064a\u0643\u0648\u0646 \u0635\u062d\u064a\u062d\u0627\u064b \u0641\u064a \u0645\u062c\u0627\u0644 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u060c\u060c \u0644\u0630\u0627 \u064a\u062c\u0628 \u062a\u0639\u062f\u064a\u0644 \u0627\u0644\u0645\u0639\u0627\u062f\u0644\u0629 \u0627\u0644\u0645\u0630\u0643\u0648\u0631\u0629 \u0623\u0639\u0644\u0627\u0647 \u062d\u062a\u0649 \u062a\u062a\u0644\u0627\u0621\u0645 \u0645\u0639 \u062a\u0639\u0631\u064a\u0641 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0641\u064a \u0645\u062c\u0627\u0644 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0643\u0645\u0627 \u064a\u0644\u064a:<\/p>\n

\u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d = \u0635\u0627\u0641\u064a \u0627\u0644\u0631\u0628\u062d + \u0628\u0646\u0648\u062f \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062b\u0627\u0628\u062a\u0629 \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627 \u0641\u0642\u0637<\/p>\n

\u0644\u0623\u0646 \u0645\u0648\u0636\u0648\u0639 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0647\u0648 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0648\u0644\u0643\u0646\u0647 \u0641\u0642\u0637 \u0635\u0627\u0641\u064a \u0627\u0644\u0631\u0628\u062d \u0645\u0636\u0627\u0641\u0627\u064b \u0625\u0644\u064a\u0647 \u0628\u0646\u0648\u062f \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062b\u0627\u0628\u062a\u0629 \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627 \u060c\u060c \u0644\u0630\u0627 \u0639\u0646\u062f\u0645\u0627 \u0646\u0642\u0648\u0644 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0641\u0625\u0646 \u0627\u0644\u0645\u0639\u0646\u0649 \u0627\u0644\u0645\u0642\u0635\u0648\u062f \u0647\u0648 \u0645\u0639\u0646\u0649 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0641\u064a \u0645\u062c\u0627\u0644 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0637\u0628\u0642\u0627\u064b \u0644\u062a\u0639\u0631\u064a\u0641 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0644\u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u060c\u060c<\/p>\n

(( \u0648\u0628\u0646\u0627\u0621 \u0639\u0644\u064a\u0647 \u0639\u0646\u062f\u0645\u0627 \u0646\u0642\u0648\u0644 \u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0641\u064a \u062e\u0644\u0627\u0644 \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (\u0627\u0644\u0645\u062d\u0627\u0633\u0628\u064a\u0629) \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u0645\u0628\u0627\u0634\u0631\u0629 \u0639\u0644\u0649 \u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u060c\u060c \u0641\u0625\u0646 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0641\u064a \u0645\u0643\u0648\u0646\u0627\u062a \u0647\u0630\u0647 \u0627\u0644\u0646\u0633\u0628\u0629 \u0647\u0648 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0628\u0645\u0639\u0646\u0627\u0647 \u0641\u064a \u0645\u062c\u0627\u0644 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d ))<\/p>\n

\u0648\u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u064a\u062d\u062f\u062f \u0644\u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0635\u0627\u0641\u064a \u0627\u0644\u0631\u0628\u062d \u0648\u0628\u0646\u0648\u062f \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062b\u0627\u0628\u062a\u0629 \u0627\u0644\u0645\u0637\u0644\u0648\u0628 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u064a\u0647\u0627<\/p>\n

* \u0648\u062d\u0633\u0627\u0628 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0645\u0639\u0627\u062f\u0644\u0629 \u0627\u0644\u062a\u0627\u0644\u064a\u0629 \u064a\u0637\u0644\u0642 \u0639\u0644\u064a\u0647 \u062d\u0633\u0627\u0628 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u0627\u0644\u0641\u0631\u0642 difference basis<\/p>\n

\u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d = \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a +\u0645\u062e\u0632\u0648\u0646 \u0628\u0636\u0627\u0626\u0639 \u0622\u062e\u0631 \u0627\u0644\u0645\u062f\u0629 \u2212 \u0645\u062e\u0632\u0648\u0646 \u0623\u0648\u0644 \u0627\u0644\u0645\u062f\u0629 \u2212 \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u0645\u062a\u063a\u064a\u0631\u0629<\/p>\n

\u0648\u0631\u063a\u0645\u0627\u064b \u0645\u0646 \u0623\u0646 \u062a\u062d\u062f\u064a\u062f \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0648\u0641\u0642\u0627\u064b \u0644\u0644\u0645\u0639\u0627\u062f\u0644\u0629 \u0627\u0644\u0645\u0630\u0643\u0648\u0631\u0629 \u0623\u0639\u0644\u0627\u0647 \u064a\u0639\u062a\u0628\u0631 \u0635\u062d\u064a\u062d\u0627\u064b \u0641\u064a \u0645\u062c\u0627\u0644 \u0627\u0644\u0645\u062d\u0627\u0633\u0628\u0629 \u060c\u060c \u0625\u0644\u0627 \u0625\u0646\u0647 \u0644\u0627 \u064a\u0643\u0648\u0646 \u0635\u062d\u064a\u062d\u0627\u064b \u0641\u064a \u0645\u062c\u0627\u0644 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u060c\u060c \u0644\u0630\u0627 \u064a\u062c\u0628 \u062a\u0639\u062f\u064a\u0644 \u0627\u0644\u0645\u0639\u0627\u062f\u0644\u0629 \u0627\u0644\u0645\u0630\u0643\u0648\u0631\u0629 \u0623\u0639\u0644\u0627\u0647 \u062d\u062a\u0649 \u062a\u062a\u0644\u0627\u0621\u0645 \u0645\u0639 \u062a\u0639\u0631\u064a\u0641 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0641\u064a \u0645\u062c\u0627\u0644 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0643\u0645\u0627 \u064a\u0644\u064a:<\/p>\n

\u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d = \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a +\u0645\u062e\u0632\u0648\u0646 \u0628\u0636\u0627\u0626\u0639 \u0622\u062e\u0631 \u0627\u0644\u0645\u062f\u0629 \u2212 \u0645\u062e\u0632\u0648\u0646 \u0623\u0648\u0644 \u0627\u0644\u0645\u062f\u0629 \u2212 \u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062a\u0634\u063a\u064a\u0644 \u0627\u0644\u0645\u062d\u062f\u062f\u0629 specified working expense<\/p>\n

\u0644\u0623\u0646 \u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062a\u0634\u063a\u064a\u0644 \u0627\u0644\u0645\u062d\u062f\u062f\u0629 specified working expense \u062a\u0634\u062a\u0645\u0644 \u0639\u0644\u0649 \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u0645\u062a\u063a\u064a\u0631\u0629 \u0648\u0628\u0646\u0648\u062f \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062b\u0627\u0628\u062a\u0629 \u0627\u0644\u063a\u064a\u0631 \u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627 \u060c\u060c \u062d\u064a\u062b \u0623\u0646 \u0644\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0627\u0644\u062d\u0642 \u0641\u064a \u0623\u0646 \u064a\u0624\u0645\u0646 \u0639\u0644\u0649 \u0628\u0639\u0636 \u0627\u0644\u0628\u0646\u0648\u062f \u0627\u0644\u062b\u0627\u0628\u062a\u0629 \u0648\u064a\u062d\u062a\u0641\u0638 \u0628\u0628\u0639\u0636 \u0627\u0644\u0628\u0646\u0648\u062f \u0627\u0644\u062b\u0627\u0628\u062a\u0629 \u0628\u062f\u0648\u0646 \u062a\u0623\u0645\u064a\u0646 \u060c\u060c \u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062a\u0634\u063a\u064a\u0644 \u0627\u0644\u0645\u062d\u062f\u062f\u0629 \u064a\u0637\u0644\u0642 \u0639\u0644\u064a\u0647\u0627 \u0623\u064a\u0636\u0627\u064b \u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062a\u0634\u063a\u064a\u0644 \u0627\u0644\u063a\u064a\u0631 \u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627 uninsured working expenses (UWES)<\/p>\n

\u0648\u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u064a\u0633\u0644\u0645 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0642\u0627\u0626\u0645\u0629 \u0628\u0628\u0646\u0648\u062f \u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062a\u0634\u063a\u064a\u0644 \u0627\u0644\u0645\u062d\u062f\u062f\u0629 \u060c\u060c \u0648\u0647\u064a \u0642\u0627\u0626\u0645\u0629 \u062a\u0634\u062a\u0645\u0644 \u0639\u0644\u0649 \u0628\u0646\u0648\u062f \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u0645\u062a\u063a\u064a\u0631\u0629 \u0648\u0628\u0646\u0648\u062f \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062b\u0627\u0628\u062a\u0629 \u0627\u0644\u063a\u064a\u0631 \u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627 \u060c\u060c \u0643\u0645\u0627 \u0623\u0646 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u064a\u062d\u062f\u062f \u0644\u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0635\u0627\u0641\u064a \u0627\u0644\u0631\u0628\u062d \u0648\u0628\u0646\u0648\u062f \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062b\u0627\u0628\u062a\u0629 \u0627\u0644\u0645\u0637\u0644\u0648\u0628 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u064a\u0647\u0627<\/p>\n

\u0645\u062b\u0640\u0640\u0640\u0640\u0640\u0627\u0644 :-<\/span><\/p>\n

\u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062b\u0627\u0628\u062a\u0629 3000 \u062c\u0646\u064a\u0647 \u062e\u0644\u0627\u0644 \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u0644\u0625\u0635\u062f\u0627\u0631 \u0627\u0644\u0648\u062b\u064a\u0642\u0629<\/p>\n

\u0635\u0627\u0641\u0640\u064a \u0627\u0644\u0631\u0628\u0640\u062d 1500 \u062c\u0646\u064a\u0647 \u062e\u0644\u0627\u0644 \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u0644\u0625\u0635\u062f\u0627\u0631 \u0627\u0644\u0648\u062b\u064a\u0642\u0629<\/p>\n

\u0645\u0627 \u0647\u0648 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u0645\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0642\u0635\u0648\u0649 \u0627\u0644\u0645\u062d\u062f\u062f\u0629 \u0628\u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0647\u064a \u0633\u0646\u0629 \u0623\u0648 \u0623\u0642\u0644<\/p>\n

\u0627\u0644\u062d\u0644<\/span><\/p>\n

\u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0633\u0646\u0648\u064a \u0627\u0644\u062a\u0642\u062f\u064a\u0631\u064a ( \u0627\u0644\u0645\u062a\u0648\u0642\u0639 ) = \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062b\u0627\u0628\u062a\u0629 + \u0635\u0627\u0641\u064a \u0627\u0644\u0631\u0628\u062d = 3000 + 15000 = 4500 \u062c\u0646\u064a\u0647 \u0648\u0647\u0648 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0648\u0645\u0646 \u0627\u0644\u0645\u0645\u0643\u0646 \u0632\u064a\u0627\u062f\u062a\u0647 \u0644\u0646\u0623\u062e\u0630 \u0641\u064a \u0627\u0644\u0627\u0639\u062a\u0628\u0627\u0631 \u0627\u0644\u0646\u0645\u0648 \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644\u064a<\/p>\n

\u0645\u062b\u0640\u0640\u0640\u0640\u0640\u0627\u0644 :-<\/span><\/p>\n

\u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062b\u0627\u0628\u062a\u0629 3000 \u062c\u0646\u064a\u0647 \u062e\u0644\u0627\u0644 \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u0644\u0625\u0635\u062f\u0627\u0631 \u0627\u0644\u0648\u062b\u064a\u0642\u0629<\/p>\n

\u0635\u0627\u0641\u0640\u064a \u0627\u0644\u0631\u0628\u0640\u062d 1500 \u062c\u0646\u064a\u0647 \u062e\u0644\u0627\u0644 \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u0644\u0625\u0635\u062f\u0627\u0631 \u0627\u0644\u0648\u062b\u064a\u0642\u0629<\/p>\n

\u0645\u0627 \u0647\u0648 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u0645\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0642\u0635\u0648\u0649 \u0627\u0644\u0645\u062d\u062f\u062f\u0629 \u0628\u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0647\u064a 24 \u0634\u0647\u0631\u0627\u064b \u0645\u0639 \u0627\u0644\u0623\u062e\u0630 \u0641\u064a \u0627\u0644\u0627\u0639\u062a\u0628\u0627\u0631 \u0645\u0639\u062f\u0644 \u0646\u0645\u0648 (\u0632\u064a\u0627\u062f\u0629 \u0641\u064a \u0627\u0644\u0646\u0634\u0627\u0637) \u064a\u0633\u0627\u0648\u064a 10%<\/p>\n

\u0627\u0644\u062d\u0644<\/span><\/p>\n

\u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0633\u0646\u0648\u064a \u0627\u0644\u062a\u0642\u062f\u064a\u0631\u064a ( \u0627\u0644\u0645\u062a\u0648\u0642\u0639 ) = \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062b\u0627\u0628\u062a\u0629 + \u0635\u0627\u0641\u064a \u0627\u0644\u0631\u0628\u062d = 3000 + 1500 = 4500 \u062c\u0646\u064a\u0647<\/p>\n

\u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u0627\u0644\u0648\u062b\u064a\u0642\u0629 = 4500 \u00d7 200 % \u00d7 110% = 9900 \u062c\u0646\u064a\u0647<\/p>\n

\u0642\u0633\u0637 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d<\/span><\/p>\n

\u0642\u0633\u0637 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d = \u0645\u0628\u0644\u063a \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u00d7 \u0633\u0639\u0631 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d<\/p>\n

\u0633\u0639\u0631 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d ( \u0645\u0639\u062f\u0644 \u0642\u0633\u0637 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d)<\/span><\/p>\n

\u062a\u062d\u062f\u064a\u062f \u0633\u0639\u0631 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u064a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u0645\u0627 \u064a\u0644\u064a:<\/p>\n

1- \u062e\u0637\u0631 \u0627\u0644\u062d\u0631\u064a\u0642 \u0646\u0641\u0633\u0647 \u060c\u060c \u0644\u0630\u0627 \u064a\u062c\u0628 \u0623\u0646 \u0644\u0627 \u064a\u0643\u0648\u0646 \u0633\u0639\u0631 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0623\u0642\u0644 \u0645\u0646 \u0645\u0639\u062f\u0644 \u0642\u0633\u0637 \u0627\u0644\u062d\u0631\u064a\u0642 \u0627\u0644\u0645\u0641\u0631\u0648\u0636 \u0639\u0644\u0649 \u0627\u0644\u0645\u062d\u062a\u0648\u064a\u0627\u062a \u0641\u064a \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u0641\u064a \u0623\u063a\u0644\u0628\u064a\u0629 \u0627\u0644\u062d\u0627\u0644\u0627\u062a \u060c\u060c \u0628\u064a\u0646\u0645\u0627 \u064a\u0633\u062a\u062e\u062f\u0645 \u0645\u0639\u062f\u0644 \u0642\u0633\u0637 \u0627\u0644\u062d\u0631\u064a\u0642 \u0627\u0644\u0645\u0641\u0631\u0648\u0636 \u0639\u0644\u0649 \u0627\u0644\u0645\u0628\u0627\u0646\u064a \u0641\u064a \u0628\u0639\u0636 \u0627\u0644\u062d\u0627\u0644\u0627\u062a \u0645\u062b\u0644 \u062f\u0648\u0631 \u0627\u0644\u0633\u064a\u0646\u0645\u0627 \u060c\u060c \u0648\u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u062e\u0637\u0648\u0629 \u0646\u0643\u0648\u0646 \u0642\u062f \u062d\u0635\u0644\u0646\u0627 \u0639\u0644\u0649 \u0627\u0644\u0633\u0639\u0631 \u0627\u0644\u0623\u0633\u0627\u0633\u064a \u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u060c\u060c \u0648\u0639\u0646\u062f\u0645\u0627 \u064a\u0633\u062a\u062e\u062f\u0645 \u0623\u0643\u062b\u0631 \u0645\u0646 \u0645\u0639\u062f\u0644 \u0642\u0633\u0637 \u0644\u0628\u0646\u0648\u062f \u0645\u062e\u062a\u0644\u0641\u0629 \u0645\u0646 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0623\u0648 \u0645\u0648\u0627\u0642\u0639 \u0645\u062e\u062a\u0644\u0641\u0629 \u0628\u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u0641\u0625\u0646\u0646\u0627 \u0646\u062a\u0648\u0635\u0644 \u0625\u0644\u0649 \u0633\u0639\u0631 \u0623\u0633\u0627\u0633\u064a \u0645\u062a\u0648\u0633\u0637 average base rate \u0628\u0642\u0633\u0645\u0629 \u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0623\u0642\u0633\u0627\u0637 \u0639\u0644\u0649 \u0625\u062c\u0645\u0627\u0644\u064a \u0645\u0628\u0627\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0644\u0644\u0628\u0646\u0648\u062f \u0627\u0644\u0645\u062e\u062a\u0644\u0641\u0629 \u0623\u0648 \u0627\u0644\u0645\u0648\u0627\u0642\u0639 \u0627\u0644\u0645\u062e\u062a\u0644\u0641\u0629 \u0645\u0646 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a<\/p>\n

2 \u2013 \u0645\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0642\u0635\u0648\u0649 maximum indemnity period \u062a\u0624\u062b\u0631 \u0639\u0644\u0649 \u0633\u0639\u0631 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u060c\u060c \u062d\u064a\u062b \u0625\u0646\u0646\u0627 \u0646\u0633\u062a\u062e\u062f\u0645 \u0645\u0639\u0627\u0645\u0644 \u062a\u062d\u0648\u064a\u0644 ((\u0627\u0644\u0645\u0636\u0627\u0639\u0641)) multiplier \u064a\u062a\u0645 \u0636\u0631\u0628\u0629 \u0641\u064a \u0633\u0639\u0631 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0633\u0627\u0633\u064a \u0644\u0644\u062a\u0648\u0635\u0644 \u0625\u0644\u0649 \u0627\u0644\u0633\u0639\u0631 \u0627\u0644\u0646\u0647\u0627\u0626\u064a \u0644\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u060c\u060c \u0648\u0645\u0639\u0627\u0645\u0644 \u0627\u0644\u062a\u062d\u0648\u064a\u0644 \u064a\u062a\u0632\u0627\u064a\u062f \u062d\u062a\u0649 \u0646\u0635\u0644 \u0625\u0644\u0649 \u0645\u062f\u0629 \u062a\u0639\u0648\u064a\u0636 \u0642\u0635\u0648\u0649 12 \u0634\u0647\u0631\u0627\u064b \u062b\u0645 \u064a\u0623\u062e\u0630 \u0641\u064a \u0627\u0644\u062a\u0646\u0627\u0642\u0635 \u0639\u0646\u062f\u0645\u0627 \u062a\u0632\u064a\u062f \u0645\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0642\u0635\u0648\u0649 \u0639\u0646 12 \u0634\u0647\u0631\u0627\u064b \u060c\u060c \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u0645\u0639\u0627\u0645\u0644 \u062a\u062d\u0648\u064a\u0644 75% \u0623\u0648 100% \u0623\u0648 90% \u0623\u0648 85% \u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u0645\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0642\u0635\u0648\u0649 \u0647\u064a 6 \u0634\u0647\u0648\u0631 \u0623\u0648 12 \u0634\u0647\u0631\u0627\u064b \u0623\u0648 18 \u0634\u0647\u0631\u0627\u064b \u0623\u0648 24 \u0634\u0647\u0631\u0627\u064b \u0639\u0644\u0649 \u0627\u0644\u062a\u0648\u0627\u0644\u064a<\/p>\n

3 \u2013 \u0648\u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u062a\u0634\u062a\u0645\u0644 \u0639\u0644\u0649 \u0627\u0644\u062d\u0631\u064a\u0642 \u0648\u0627\u0644\u0623\u062e\u0637\u0627\u0631 \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629 (\u0627\u0644\u062e\u0627\u0635\u0629) \u0641\u0625\u0646 \u0647\u0630\u0647 \u0627\u0644\u0623\u062e\u0637\u0627\u0631 \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629 \u062a\u0624\u062e\u0630 \u0641\u064a \u0627\u0644\u062d\u0633\u0628\u0627\u0646 \u0639\u0646\u062f \u062a\u062d\u062f\u064a\u062f \u0627\u0644\u0633\u0639\u0631<\/p>\n

\u0645\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0642\u0635\u0648\u0649 maximum indemnity period<\/span><\/p>\n

\u0645\u062f\u0629 \u0627\u0644\u062a\u0648\u0642\u0641 \u0639\u0646 \u0645\u0632\u0627\u0648\u0644\u0629 \u0627\u0644\u0646\u0634\u0627\u0637 interruption period \u0642\u062f \u062a\u0628\u062f\u0623 \u0645\u0639 \u0628\u062f\u0627\u064a\u0629 \u0648\u0642\u0648\u0639 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u0627\u0644\u062a\u064a \u0623\u062f\u062a \u0625\u0644\u0649 \u062a\u0648\u0642\u0641 \u0627\u0644\u0639\u0645\u0644 \u0648\u062a\u0646\u062a\u0647\u064a \u0628\u0627\u0633\u062a\u0626\u0646\u0627\u0641 \u0627\u0644\u0646\u0634\u0627\u0637 \u060c\u060c \u0648\u0647\u0630\u0647 \u0627\u0644\u0645\u062f\u0629 \u062a\u0643\u0648\u0646 \u063a\u064a\u0631 \u0645\u0639\u0631\u0648\u0641\u0629 \u0645\u0642\u062f\u0645\u0627\u064b \u0642\u0628\u0644 \u0648\u0642\u0648\u0639 \u0627\u0644\u062d\u0627\u062f\u062b \u060c\u060c \u0648\u0644\u0643\u0646 \u0637\u0648\u0644 \u0647\u0630\u0647 \u0627\u0644\u0645\u062f\u0629 \u064a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u0639\u0648\u0627\u0645\u0644 \u0645\u062b\u0644 \u0647\u0644 \u0627\u0644\u062d\u0627\u062f\u062b \u0623\u062f\u0649 \u0625\u0644\u0649 \u0647\u0644\u0627\u0643 \u0643\u0644\u064a \u0644\u0644\u0623\u0635\u0648\u0644 \u0623\u0648 \u0647\u0644\u0627\u0643 \u062c\u0632\u0626\u064a \u0648\u0645\u0627 \u0647\u064a \u0627\u0644\u0645\u064f\u062f\u0629 \u0627\u0644\u0644\u0627\u0632\u0645\u0629 \u0644\u0625\u0639\u0627\u062f\u0629 \u0628\u0646\u0627\u0621 \u0645\u0628\u0627\u0646\u064a \u0648\u062a\u062c\u0647\u064a\u0632\u0627\u062a \u0627\u0644\u0645\u0624\u0633\u0633\u0629 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0625\u0644\u0649 \u0645\u0627 \u0643\u0627\u0646\u062a \u0639\u0644\u064a\u0647 \u0642\u0628\u0644 \u0627\u0644\u062d\u0627\u062f\u062b \u060c\u060c \u0648\u0645\u064f\u062f\u0629 \u0627\u0644\u062a\u0648\u0642\u0641 \u0642\u062f \u062a\u0645\u062a\u062f \u0644\u0633\u0646\u0648\u0627\u062a \u0637\u0648\u064a\u0644\u0629 \u060c\u060c \u0644\u0630\u0627 \u0643\u0627\u0646 \u0645\u0646 \u0627\u0644\u0636\u0631\u0648\u0631\u064a \u0623\u0646 \u064a\u062d\u062f \u0627\u0644\u0645\u0624\u0645\u0646 \u0645\u0646 \u0645\u0633\u0626\u0648\u0644\u064a\u062a\u0647 \u0628\u0648\u0636\u0639 \u062d\u062f \u0623\u0642\u0635\u0649 \u0644\u0645\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0628\u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u060c\u060c \u0648\u0645\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0642\u0635\u0648\u0649 \u064a\u062a\u0645 \u062a\u062d\u062f\u064a\u062f\u0647\u0627 \u0641\u064a \u062c\u062f\u0648\u0644 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u060c\u060c \u0648\u0627\u0644\u0630\u064a \u064a\u0642\u062f\u0631\u0647\u0627 \u0623\u0648 \u064a\u062d\u062f\u062f\u0647\u0627 \u0647\u0648 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u060c\u060c \u0648\u0647\u064a \u0645\u062f\u0629 \u062a\u0628\u062f\u0623 \u0645\u0639 \u0628\u062f\u0627\u064a\u0629 \u0648\u0642\u0648\u0639 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u0627\u0644\u062a\u064a \u0623\u062f\u062a \u0625\u0644\u0649 \u062a\u0648\u0642\u0641 \u0627\u0644\u0639\u0645\u0644 \u060c\u060c \u0648\u0644\u0643\u0646\u0647\u0627 \u0644\u0627 \u062a\u0632\u064a\u062f \u0639\u0646 \u0639\u062f\u062f \u0645\u0639\u064a\u0646 \u0645\u0646 \u0627\u0644\u0634\u0647\u0648\u0631 \u0627\u0644\u0645\u062d\u062f\u062f\u0629 \u0641\u064a \u062c\u062f\u0648\u0644 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u062d\u062a\u0649 \u0648\u0644\u0648 \u0643\u0627\u0646\u062a \u0627\u0644\u0634\u0631\u0643\u0629 \u0645\u0627\u0632\u0627\u0644\u062a \u0645\u062a\u0648\u0642\u0641\u0629 \u0639\u0646 \u0645\u0632\u0627\u0648\u0644\u0629 \u0627\u0644\u0646\u0634\u0627\u0637 \u060c\u060c \u064a\u0639\u0646\u064a \u0645\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u064a\u062c\u0628 \u0623\u0644\u0627 \u062a\u0632\u064a\u062f \u0639\u0646 \u0623\u0642\u0635\u0649 \u0645\u062f\u0629 \u062a\u0639\u0648\u064a\u0636 \u0645\u062d\u062f\u062f\u0629 \u0628\u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u201d<\/p>\n

\u0648\u064a\u062c\u0628 \u0639\u062f\u0645 \u0627\u0644\u062e\u0644\u0637 \u0628\u064a\u0646 \u0645\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0648\u0628\u064a\u0646 \u0645\u062f\u0629 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u060c\u060c \u0645\u062f\u0629 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0647\u064a \u0627\u0644\u0645\u064f\u062f\u0629 \u0627\u0644\u0632\u0645\u0646\u064a\u0629 \u0645\u0627 \u0628\u064a\u0646 \u0628\u062f\u0621 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0627\u0646\u062a\u0647\u0627\u0621 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u060c\u060c \u0648\u0647\u064a \u0646\u0641\u0633 \u0645\u062f\u0629 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642<\/p>\n

* \u064a\u0639\u0646\u064a \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u062a\u0645\u0646\u062d \u062d\u062f \u0623\u0642\u0635\u0649 \u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u062a\u0648\u0642\u0641 \u0639\u0646 \u0627\u0644\u0639\u0645\u0644 \u064a\u0639\u0627\u062f\u0644 \u0645\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0642\u0635\u0648\u0649 \u0627\u0644\u062a\u064a \u064a\u062a\u0645 \u062a\u062d\u062f\u064a\u062f\u0647\u0627 \u0628\u0627\u0644\u0634\u0647\u0648\u0631 \u0641\u064a \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u060c\u060c \u0648\u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0627 \u064a\u0643\u0648\u0646 \u0645\u0633\u0626\u0648\u0644\u0627\u064b \u0639\u0646 \u0627\u0644\u062a\u0648\u0642\u0641 \u0627\u0644\u0630\u064a \u064a\u0632\u064a\u062f \u0639\u0646 \u0645\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0642\u0635\u0648\u0649 \u060c\u060c \u0648\u0625\u0630\u0627 \u0644\u0645 \u064a\u062a\u062d\u0642\u0642 \u062e\u0637\u0631 \u0627\u0644\u062d\u0631\u064a\u0642 \u062d\u062a\u0649 \u0627\u0646\u062a\u0647\u0627\u0621 \u0645\u0641\u0639\u0648\u0644 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u060c\u060c \u062a\u0646\u062a\u0647\u064a \u0645\u0633\u0626\u0648\u0644\u064a\u0629 \u0627\u0644\u0645\u0624\u0645\u0646 \u0633\u0648\u0627\u0621 \u0639\u0646 \u062e\u0637\u0631 \u0627\u0644\u062d\u0631\u064a\u0642 \u0623\u0648 \u062e\u0637\u0631 \u0641\u0642\u062f \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u060c\u060c \u0648\u0623\u0633\u0627\u0633 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0641\u064a \u0648\u062b\u064a\u0642\u0629 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0647\u0648 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0633\u0646\u0648\u064a \u0627\u0644\u0645\u062a\u0648\u0642\u0639 \u060c\u060c \u0641\u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u0645\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0642\u0635\u0648\u0649 \u0647\u064a \u0633\u0646\u0629 \u0641\u0625\u0646 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0647\u0648 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0633\u0646\u0648\u064a \u0627\u0644\u0645\u062a\u0648\u0642\u0639 \u060c\u060c \u0648\u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u0645\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0642\u0635\u0648\u0649 \u0647\u064a \u0623\u0642\u0644 \u0645\u0646 \u0633\u0646\u0629 \u0641\u0625\u0646 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0647\u0648 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0633\u0646\u0648\u064a \u0627\u0644\u0645\u062a\u0648\u0642\u0639 \u0648\u0644\u0643\u0646 \u064a\u062a\u0645 \u062a\u0639\u062f\u064a\u0644 \u0645\u0639\u062f\u0644 \u0627\u0644\u0642\u0633\u0637 \u060c\u060c \u0648\u0625\u0630\u0627 \u0632\u0627\u062f\u062a \u0645\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0642\u0635\u0648\u0649 \u0639\u0646 \u0633\u0646\u0629 \u064a\u0632\u064a\u062f \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 (\u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u062a\u0642\u062f\u064a\u0631\u064a) \u0628\u0627\u0644\u062a\u0646\u0627\u0633\u0628 \u0645\u0639 \u0632\u064a\u0627\u062f\u0629 \u0645\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u060c\u060c<\/p>\n

\u0644\u0627\u062d\u0638 \u0627\u0644\u0641\u0631\u0642 \u0628\u064a\u0646 \u0645\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0642\u0635\u0648\u0649 \u0648\u0645\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 (\u0645\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0641\u0639\u0644\u064a\u0629) \u0641\u0642\u062f \u062a\u0643\u0648\u0646 \u0645\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0642\u0635\u0648\u0649 \u0627\u0644\u0645\u062d\u062f\u062f\u0629 \u0628\u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0633\u0646\u0629 \u060c\u060c \u0648\u0644\u0643\u0646 \u0627\u0644\u0645\u0634\u0631\u0648\u0639 \u062a\u0648\u0642\u0641 \u0639\u0646 \u0627\u0644\u0639\u0645\u0644 \u0644\u0645\u062f\u0629 \u062b\u0644\u0627\u062b\u0629 \u0634\u0647\u0648\u0631<\/p>\n

\u0648\u0627\u0644\u0645\u0642\u0635\u0648\u062f \u0628\u0627\u0644\u062a\u0648\u0642\u0641 \u0639\u0646 \u0627\u0644\u0639\u0645\u0644 \u0647\u0648 \u062a\u0648\u0642\u0641 \u0643\u0644\u064a \u0639\u0646 \u0627\u0644\u0639\u0645\u0644 \u0623\u0648 \u062a\u0648\u0642\u0641 \u062c\u0632\u0626\u064a \u0639\u0646 \u0627\u0644\u0639\u0645\u0644<\/p>\n

\u0645\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 indemnity period<\/span><\/p>\n

\u0647\u064a \u0645\u062f\u0629 \u062a\u0628\u062f\u0623 \u0645\u0639 \u0648\u0642\u0648\u0639 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u0648\u062a\u062a\u0623\u062b\u0631 \u062e\u0644\u0627\u0644\u0647\u0627 \u0646\u062a\u0627\u0626\u062c \u0627\u0644\u0645\u0634\u0631\u0648\u0639 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0646\u062a\u064a\u062c\u0629 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u060c\u060c \u0648\u062a\u0646\u062a\u0647\u064a \u062f\u0627\u062e\u0644 \u062d\u062f\u0648\u062f \u0645\u064f\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0642\u0635\u0648\u0649 \u0648\u0628\u0645\u0627 \u0644\u0627 \u064a\u0632\u064a\u062f \u0639\u0646 \u0645\u064f\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0642\u0635\u0648\u0649<\/p>\n

* \u0627\u0644\u062a\u062d\u0645\u0640\u0640\u0640\u0644<\/p>\n

\u0642\u062f \u064a\u062a\u062d\u0645\u0644 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0639\u062f\u062f \u0645\u0639\u064a\u0646 \u0645\u0646 \u0623\u064a\u0627\u0645 \u0627\u0644\u062a\u0648\u0642\u0641 \u062a\u0628\u062f\u0623 \u0645\u0639 \u0628\u062f\u0627\u064a\u0629 \u0627\u0644\u062a\u0648\u0642\u0641<\/p>\n

\u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a turnover<\/span><\/p>\n

\u0647\u064a \u0627\u0644\u0646\u0642\u0648\u062f \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0629 \u0648\u0627\u0644\u0646\u0642\u0648\u062f \u0645\u0633\u062a\u062d\u0642\u0629 \u0627\u0644\u062f\u0641\u0639 \u0644\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0639\u0646 \u0627\u0644\u0633\u0644\u0639 \u0627\u0644\u0645\u064f\u0628\u064e\u0627\u0639\u0629 \u0648\u0627\u0644\u0645\u064f\u0633\u0644\u0645\u064e\u0629 \u0648\u0639\u0646 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u062a\u064a \u0642\u062f\u0645\u0647\u0627 \u0641\u064a \u062e\u0644\u0627\u0644 \u0645\u0632\u0627\u0648\u0644\u0629 \u0646\u0634\u0627\u0637\u0647 \u0627\u0644\u062a\u062c\u0627\u0631\u064a \u0628\u0627\u0644\u0645\u0648\u0642\u0639<\/p>\n

\u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d Rate of Gross Profit<\/span><\/p>\n

\u0647\u0648 \u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0645\u0643\u062a\u0633\u0628 \u0625\u0644\u0649 \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0641\u064a \u062e\u0644\u0627\u0644 \u0622\u062e\u0631 \u0633\u0646\u0629 \u0645\u0627\u0644\u064a\u0629 (\u0645\u062d\u0627\u0633\u0628\u064a\u0629) \u0633\u0627\u0628\u0642\u0629 \u0645\u0628\u0627\u0634\u0631\u0629 \u0639\u0644\u0649 \u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629<\/p>\n

* \u0648\u0639\u0646\u062f\u0645\u0627 \u0646\u0642\u0648\u0644 \u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0641\u0625\u0646 \u0627\u0644\u0645\u0642\u0635\u0648\u062f \u0647\u0648 \u0623\u0646 \u0647\u0630\u0647 \u0627\u0644\u0646\u0633\u0628\u0629 \u062a\u062d\u062a\u0633\u0628 \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u0645\u0639\u0646\u0649 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0641\u064a \u0645\u062c\u0627\u0644 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0628\u063a\u0636 \u0627\u0644\u0646\u0638\u0631 \u0639\u0646 \u0645\u0639\u0646\u0649 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0641\u064a \u0627\u0644\u0645\u062d\u0627\u0633\u0628\u0629<\/p>\n

*((\u0648\u0645\u062a\u0649 \u062a\u0645 \u062d\u0633\u0627\u0628 \u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0645\u0646 \u0648\u0627\u0642\u0639 \u0642\u0627\u0626\u0645\u0629 \u0627\u0644\u062f\u062e\u0644 \u0644\u0634\u0631\u0643\u0629 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0641\u064a \u0646\u0647\u0627\u064a\u0629 \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (\u0627\u0644\u0645\u062d\u0627\u0633\u0628\u064a\u0629) \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u0645\u0628\u0627\u0634\u0631\u0629 \u0639\u0644\u0649 \u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u0641\u0625\u0646 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u062a\u0641\u062a\u0631\u0636 \u0625\u0646 \u0647\u0630\u0647 \u0627\u0644\u0646\u0633\u0628\u0629 \u062a\u0638\u0644 \u062b\u0627\u0628\u062a\u0629 \u0645\u0646 \u0633\u0646\u0629 \u0625\u0644\u0649 \u0623\u062e\u0631\u0649 \u0648\u0644\u0627 \u062a\u062a\u063a\u064a\u0631 \u060c\u060c \u064a\u0639\u0646\u064a \u0633\u0646\u0633\u062a\u062e\u062f\u0645\u0647\u0627 \u0641\u064a \u0643\u0644 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u062d\u0633\u0627\u0628\u064a\u0629 \u0627\u0644\u0645\u062a\u0639\u0644\u0642\u0629 \u0628\u0627\u0644\u062a\u0639\u0648\u064a\u0636))<\/p>\n

\u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d Gross Profit<\/span><\/p>\n

\u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0647\u0648 \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0630\u064a \u064a\u0632\u064a\u062f \u0628\u0647 \u0645\u062c\u0645\u0648\u0639 \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0648\u0645\u062e\u0632\u0648\u0646 \u0622\u062e\u0631 \u0627\u0644\u0645\u062f\u0629 \u0639\u0644\u0649 \u0645\u062c\u0645\u0648\u0639 \u0645\u062e\u0632\u0648\u0646 \u0623\u0648\u0644 \u0627\u0644\u0645\u062f\u0629 \u0648\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062a\u0634\u063a\u064a\u0644 \u0627\u0644\u0645\u062d\u062f\u062f\u0629 specified working expense<\/p>\n

\u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0633\u0646\u0648\u064a Annual Turnover<\/span><\/p>\n

\u0647\u0648 \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0641\u064a \u062e\u0644\u0627\u0644 \u0645\u064f\u062f\u0629 12 \u0634\u0647\u0631\u0627\u064b \u0633\u0627\u0628\u0642\u0629 \u0645\u0628\u0627\u0634\u0631\u0629 \u0639\u0644\u0649 \u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629\u060c\u060c \u0648\u064a\u0637\u0644\u0642 \u0639\u0644\u064a\u0647\u0627 \u0645\u064f\u062f\u0629 \u0627\u0644\u0645\u0642\u0627\u0631\u0646\u0629 comparative period<\/p>\n

\u0648\u0638\u064a\u0641\u0629 \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0633\u0646\u0648\u064a \u0625\u0646\u0647 \u064a\u0633\u062a\u062e\u062f\u0645 \u0641\u064a \u062a\u062d\u062f\u064a\u062f \u0645\u062f\u0649 \u0643\u0641\u0627\u064a\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u060c\u060c \u064a\u0639\u0646\u064a \u064a\u062a\u0645 \u0636\u0631\u0628\u0647 \u0641\u064a \u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u060c\u060c \u0648\u0627\u0644\u0646\u0627\u062a\u062c \u0647\u0648 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0645\u0639\u0631\u0636 \u0644\u0644\u062e\u0637\u0631 \u0641\u064a\u062a\u0645 \u0645\u0642\u0627\u0631\u0646\u062a\u0647 \u0628\u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u060c\u060c \u0641\u0625\u0646 \u0643\u0627\u0646 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0623\u0642\u0644 \u060c\u060c \u064a\u062a\u0645 \u062a\u0637\u0628\u064a\u0642 \u0642\u0627\u0639\u062f\u0629 \u0627\u0644\u0646\u0633\u0628\u064a\u0629<\/p>\n

\u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0645\u0639\u064a\u0627\u0631\u064a Standard Turnover<\/span><\/p>\n

\u0647\u0648 \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0639\u0646 \u0645\u064f\u062f\u0629 \u0632\u0645\u0646\u064a\u0629 \u062a\u0642\u0639 \u062f\u0627\u062e\u0644 \u0645\u064f\u062f\u0629 12 \u0634\u0647\u0631\u0627\u064b \u0633\u0627\u0628\u0642\u0629 \u0645\u0628\u0627\u0634\u0631\u0629 \u0639\u0644\u0649 \u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u0648\u062a\u0643\u0648\u0646 \u0645\u0646\u0627\u0638\u0631\u0629 ((\u0645\u0645\u0627\u062b\u0644\u0629 \u0648\u0645\u0648\u0627\u0632\u064a\u0629)) \u0644\u0645\u064f\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636<\/p>\n

((\u064a\u0639\u0646\u064a \u0644\u0648 \u062d\u0627\u062f\u062b \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u0648\u0642\u0639 \u0641\u064a \u0623\u0648\u0644 \u0645\u0627\u064a\u0648 2016 \u0648\u0627\u0633\u062a\u0645\u0631 \u0627\u0644\u062a\u0648\u0642\u0641 \u0639\u0646 \u0627\u0644\u0639\u0645\u0644 \u062b\u0644\u0627\u062b\u0629 \u0634\u0647\u0648\u0631 \u062d\u062a\u0649 \u0646\u0647\u0627\u064a\u0629 \u0634\u0647\u0631 \u064a\u0648\u0644\u064a\u0648 2016 \u0641\u0625\u0646 \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0645\u0639\u064a\u0627\u0631\u064a \u0647\u0648 \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u062e\u0644\u0627\u0644 \u0627\u0644\u0645\u064f\u062f\u0629 \u0645\u0646 \u0623\u0648\u0644 \u0645\u0627\u064a\u0648 2015 \u062d\u062a\u0649 \u0646\u0647\u0627\u064a\u0629 \u0634\u0647\u0631 \u064a\u0648\u0644\u064a\u0648 2015))<\/p>\n

\u0648\u0638\u064a\u0641\u0629 \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0645\u0639\u064a\u0627\u0631\u064a \u0625\u0646\u0647 \u064a\u0633\u062a\u062e\u062f\u0645 \u0641\u064a \u0642\u064a\u0627\u0633 \u0627\u0644\u0639\u062c\u0632 \u0641\u064a \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u060c\u060c \u062d\u064a\u062b \u064a\u062a\u0645 \u0645\u0642\u0627\u0631\u0646\u0629 \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0645\u0639\u064a\u0627\u0631\u064a \u0642\u0628\u0644 \u0627\u0644\u062d\u0631\u064a\u0642 \u0628\u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0641\u0639\u0644\u064a \u0628\u0639\u062f \u0627\u0644\u062d\u0631\u064a\u0642 \u060c\u060c \u0648\u0627\u0644\u0641\u0631\u0642 \u0628\u064a\u0646\u0647\u0645\u0627 \u0647\u0648 \u0627\u0644\u0639\u062c\u0632 \u0641\u064a \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a<\/p>\n

* \u0645\u0642\u064a\u0627\u0633 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 ( \u0623\u0633\u0627\u0633 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 )<\/p>\n

\u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0645\u0641\u0642\u0648\u062f \u062e\u0644\u0627\u0644 \u0645\u064f\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u060c \u064a\u062a\u0645 \u0627\u062d\u062a\u0633\u0627\u0628\u0647 \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u0627\u0644\u0639\u062c\u0632 (\u0627\u0644\u0646\u0642\u0635) \u0641\u064a \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a shortage in turnover \/reduction in turnover \u0648\u0647\u0648 \u0627\u0644\u0641\u0631\u0642 \u0628\u064a\u0646 \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0641\u0639\u0644\u064a \u062e\u0644\u0627\u0644 \u0645\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0648\u0628\u064a\u0646 \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0645\u0639\u064a\u0627\u0631\u064a \u062e\u0644\u0627\u0644 \u0627\u0644\u0645\u062f\u0629 \u0627\u0644\u0645\u0646\u0627\u0638\u0631\u0629 \u0644\u0647\u0627 \u0642\u0628\u0644 \u062d\u062f\u0648\u062b \u0627\u0644\u062d\u0631\u064a\u0642 \u060c\u060c \u062b\u0645 \u064a\u062a\u0645 \u0636\u0631\u0628 \u0647\u0630\u0627 \u0627\u0644\u0641\u0631\u0642 \u0641\u064a \u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0639\u0646 \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u0645\u0628\u0627\u0634\u0631\u0629 \u0639\u0644\u0649 \u062d\u062f\u0648\u062b \u0627\u0644\u062d\u0631\u064a\u0642 \u0644\u0646\u062d\u0635\u0644 \u0639\u0644\u0649 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0645\u0641\u0642\u0648\u062f<\/p>\n

\u0648\u064a\u062a\u0645 \u062d\u0633\u0627\u0628 \u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0645\u0646 \u0648\u0627\u0642\u0639 \u0627\u0644\u0642\u0648\u0627\u0626\u0645 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0639\u0646 \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u0639\u0644\u0649 \u062d\u062f\u0648\u062b \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u060c\u060c \u0645\u0639 \u0627\u0641\u062a\u0631\u0627\u0636 \u0623\u0646 \u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0633\u0648\u0641 \u062a\u0633\u062a\u0645\u0631 \u062b\u0627\u0628\u062a\u0629 \u064a\u0639\u0646\u064a \u0633\u0646\u0633\u062a\u062e\u062f\u0645\u0647\u0627 \u0641\u064a \u0643\u0644 \u0627\u0644\u0639\u0645\u0644\u064a\u0627\u062a \u0627\u0644\u062d\u0633\u0627\u0628\u064a\u0629 \u0627\u0644\u0645\u062a\u0639\u0644\u0642\u0629 \u0628\u0627\u0644\u062a\u0639\u0648\u064a\u0636<\/p>\n

\u0645\u062b\u0640\u0640\u0640\u0640\u0640\u0627\u0644 :-<\/span><\/p>\n

\u0648\u0642\u0639 \u062d\u0627\u062f\u062b \u062d\u0631\u064a\u0642 \u0623\u062f\u0649 \u0625\u0644\u0649 \u062a\u0648\u0642\u0641 \u0627\u0644\u0623\u0639\u0645\u0627\u0644<\/p>\n

* \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0641\u064a \u0648\u062b\u064a\u0642\u0629 \u0641\u0642\u062f \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u064a\u0633\u0627\u0648\u064a 10000 \u062c\u0646\u064a\u0647 \u0648\u0647\u0648 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u062a\u0642\u062f\u064a\u0631\u064a \u0627\u0644\u0630\u064a \u064a\u0642\u062f\u0631\u0647 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647<\/p>\n

* \u0645\u064f\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0642\u0635\u0648\u0649 \u0627\u0644\u0645\u062d\u062f\u062f\u0629 \u0641\u064a \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u062a\u0633\u0627\u0648\u064a 12 \u0634\u0647\u0631\u0627\u064b<\/p>\n

* \u0645\u0648\u0636\u0648\u0639 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0647\u0648 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0648\u0644\u0643\u0646\u0647 \u0641\u0642\u0637 \u0635\u0627\u0641\u064a \u0627\u0644\u0631\u0628\u062d \u0645\u0636\u0627\u0641\u0627\u064b \u0625\u0644\u064a\u0647 \u0628\u0646\u0648\u062f \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062b\u0627\u0628\u062a\u0629 \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627<\/p>\n

* \u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 (\u0627\u0644\u062d\u0631\u064a\u0642) \u0647\u0648 \u0623\u0648\u0644 \u0625\u0628\u0631\u064a\u0644 2016<\/p>\n

\u0645\u064f\u062f\u0629 \u0627\u0644\u062a\u0648\u0642\u0641 \u0639\u0646 \u0627\u0644\u0639\u0645\u0644 duration of interference \u0633\u062a\u0629 \u0634\u0647\u0648\u0631 \u062a\u0628\u062f\u0623 \u0645\u0646 \u0623\u0648\u0644 \u0625\u0628\u0631\u064a\u0644 2016 \u0648\u062a\u0646\u062a\u0647\u064a \u0641\u064a 30 \u0633\u0628\u062a\u0645\u0628\u0631 2016 \u0648\u0647\u0648 \u062a\u0627\u0631\u064a\u062e \u0627\u0646\u062a\u0647\u0627\u0621 \u0627\u0644\u062a\u0648\u0642\u0641 \u0639\u0646 \u0627\u0644\u0639\u0645\u0644 \u0628\u0627\u0644\u0634\u0631\u0643\u0629<\/p>\n

* \u0648\u0628\u0641\u062d\u0635 \u0627\u0644\u0642\u0648\u0627\u0626\u0645 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0644\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0639\u0646 \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (\u0627\u0644\u0645\u062d\u0627\u0633\u0628\u064a\u0629) \u0627\u0644\u0645\u0646\u062a\u0647\u064a\u0629 \u0641\u064a 31 \u062f\u064a\u0633\u0645\u0628\u0631 2015 \u0623\u062a\u0636\u062d \u0623\u0646 :<\/p>\n

\u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0639\u0646 \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (\u0627\u0644\u0645\u062d\u0627\u0633\u0628\u064a\u0629) \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u0645\u0628\u0627\u0634\u0631\u0629 \u0644\u0648\u0642\u0648\u0639 \u0627\u0644\u062d\u0627\u062f\u062b 10000 \u062c\u0646\u064a\u0647 \u060c\u060c \u0648\u0647\u064a \u0633\u0646\u0629 \u062a\u0628\u062f\u0623 \u0645\u0646 \u0623\u0648\u0644 \u064a\u0646\u0627\u064a\u0631 2015 \u0648\u062a\u0646\u062a\u0647\u064a \u0641\u064a 31 \u062f\u064a\u0633\u0645\u0628\u0631 2015<\/p>\n

\u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0639\u0646 \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (\u0627\u0644\u0645\u062d\u0627\u0633\u0628\u064a\u0629)\u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u0645\u0628\u0627\u0634\u0631\u0629 \u0644\u0648\u0642\u0648\u0639 \u0627\u0644\u062d\u0627\u062f\u062b 40000 \u062c\u0646\u064a\u0647<\/p>\n

*\u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0639\u0646 \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u0644\u0648\u0642\u0648\u0639 \u0627\u0644\u062d\u0627\u062f\u062b = \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u00f7 \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a<\/p>\n

\u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0639\u0646 \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u0644\u0648\u0642\u0648\u0639 \u0627\u0644\u062d\u0627\u062f\u062b =10000\/40000 = 25%<\/p>\n

* \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0641\u0639\u0644\u064a \u062e\u0644\u0627\u0644 \u0645\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 8000 \u062c\u0646\u064a\u0647<\/p>\n

* \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0645\u0639\u064a\u0627\u0631\u064a standard turnover \u0648\u0647\u0648 \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0639\u0646 \u0645\u064f\u062f\u0629 \u0632\u0645\u0646\u064a\u0629 \u0633\u0627\u0628\u0642\u0629 \u0645\u0628\u0627\u0634\u0631\u0629 \u0639\u0644\u0649 \u062d\u0627\u062f\u062b \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u0648\u062a\u0643\u0648\u0646 \u0645\u0646\u0627\u0638\u0631\u0629 \u0644\u0645\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 (\u0645\u0646 1 \/ 4 \/ 2015 \u0625\u0644\u0649 30 \/9 \/ 2015 ) \u0643\u0627\u0646 \u064a\u0633\u0627\u0648\u064a 24000 \u062c\u0646\u064a\u0647<\/p>\n

* \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0633\u0646\u0648\u064a annual turnover \u064a\u0633\u0627\u0648\u064a 38000 \u062c\u0646\u064a\u0647 (\u0639\u0646 \u0645\u062f\u0629 12 \u0634\u0647\u0631 \u0633\u0627\u0628\u0642\u0629 \u0644\u0648\u0642\u0648\u0639 \u0627\u0644\u062d\u0627\u062f\u062b \u062a\u0628\u062f\u0623 \u0623\u0648\u0644 \u0625\u0628\u0631\u064a\u0644 2015)<\/p>\n

\u0627\u062d\u0633\u0628 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0639\u0646 \u0627\u0644\u0639\u062c\u0632 (\u0627\u0644\u0646\u0642\u0635) \u0641\u064a \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u062e\u0644\u0627\u0644 \u0645\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636<\/p>\n

\u0627\u0644\u062d\u0640\u0640\u0644<\/p>\n

\u0627\u0644\u0639\u062c\u0632 \u0641\u064a \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u062e\u0644\u0627\u0644 \u0645\u064f\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 = \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0645\u0639\u064a\u0627\u0631\u064a \u2013 \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0641\u0639\u0644\u064a \u0623\u062b\u0646\u0627\u0621 \u0645\u064f\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636<\/p>\n

* \u0627\u0644\u0639\u062c\u0632 \u0641\u064a \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u062e\u0644\u0627\u0644 \u0645\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 =24000 \u2212 8000 = 16000<\/p>\n

\u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0645\u0641\u0642\u0648\u062f = \u0627\u0644\u0639\u062c\u0632 \u0641\u064a \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u00d7 \u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d = 16000 \u00d7 25% = 4000 \u062c\u0646\u064a\u0647<\/p>\n

* \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0639\u0646 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0645\u0641\u0642\u0648\u062f = 4000 \u062c\u0646\u064a\u0647<\/p>\n

\u0642\u0627\u0639\u062f\u0629 \u0627\u0644\u0646\u0633\u0628\u064a\u0629<\/span><\/p>\n

\u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u062a\u062e\u0636\u0639 \u0644\u0642\u0627\u0639\u062f\u0629 \u0627\u0644\u0646\u0633\u0628\u064a\u0629 \u060c\u060c \u064a\u0639\u0646\u064a \u064a\u062a\u0645 \u062a\u0637\u0628\u064a\u0642 \u0642\u0627\u0639\u062f\u0629 \u0627\u0644\u0646\u0633\u0628\u064a\u0629 \u0639\u0644\u0649 \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0648\u0647\u064a \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0645\u0641\u0642\u0648\u062f \u0648\u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629 \u0625\u0630\u0627 \u0643\u0627\u0646 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0623\u0642\u0644 \u0645\u0646 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0645\u0639\u0631\u0636 \u0644\u0644\u062e\u0637\u0631 (\u0645\u0628\u0644\u063a \u0627\u0644\u062e\u0637\u0631) gross profit at risk (amount at risk) \u0641\u064a \u0648\u0642\u062a \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 (\u0642\u0628\u0644\u0647\u0627 \u0645\u0628\u0627\u0634\u0631\u0629) \u060c\u060c \u0648\u0639\u0646\u062f\u0645\u0627 \u064a\u0643\u0648\u0646 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0623\u0642\u0644 \u0645\u0646 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0645\u0639\u0631\u0636 \u0644\u0644\u062e\u0637\u0631 \u064a\u0642\u0627\u0644 \u0639\u0644\u0649 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0625\u0646\u0647 \u062f\u0648\u0646 \u0627\u0644\u0643\u0641\u0627\u064a\u0629 underinsurance<\/p>\n

\u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0645\u0639\u0631\u0636 \u0644\u0644\u062e\u0637\u0631 = \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0633\u0646\u0648\u064a \u00d7 \u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d<\/p>\n

* \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0645\u0639\u0631\u0636 \u0644\u0644\u062e\u0637\u0631 \u0647\u0648 \u0646\u0627\u062a\u062c \u0636\u0631\u0628 \u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0641\u064a \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0633\u0646\u0648\u064a<\/p>\n

\u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0633\u0646\u0648\u064a Annual Turnover<\/span><\/p>\n

\u0647\u0648 \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u062e\u0644\u0627\u0644 \u0645\u064f\u062f\u0629 12 \u0634\u0647\u0631\u0627\u064b \u0633\u0627\u0628\u0642\u0629 \u0645\u0628\u0627\u0634\u0631\u0629 \u0639\u0644\u0649 \u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u060c\u060c \u0648\u064a\u0637\u0644\u0642 \u0639\u0644\u064a\u0647\u0627 \u0645\u064f\u062f\u0629 \u0627\u0644\u0645\u0642\u0627\u0631\u0646\u0629 comparative period<\/p>\n

\u0648\u0639\u0646\u062f\u0645\u0627 \u062a\u0643\u0648\u0646 \u0645\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0642\u0635\u0648\u0649 \u0627\u0644\u0645\u062d\u062f\u062f\u0629 \u0628\u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u062a\u0633\u0627\u0648\u064a 12 \u0634\u0647\u0631\u0627\u064b \u0623\u0648 \u0623\u0642\u0644 \u0641\u0625\u0646\u0646\u0627 \u0646\u0642\u0627\u0631\u0646 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0645\u0639\u0631\u0636 \u0644\u0644\u062e\u0637\u0631 \u0628\u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u060c\u060c \u0641\u064a\u062a\u062d\u0645\u0644 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u062d\u0635\u0629 \u0646\u0633\u0628\u064a\u0629 \u0645\u0646 \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0639\u0646\u062f\u0645\u0627 \u064a\u0643\u0648\u0646 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0623\u0642\u0644 \u0645\u0646 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0645\u0639\u0631\u0636 \u0644\u0644\u062e\u0637\u0631<\/p>\n

\u060c\u060c \u0648\u0639\u0646\u062f\u0645\u0627 \u062a\u0643\u0648\u0646 \u0645\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0642\u0635\u0648\u0649 \u0627\u0644\u0645\u062d\u062f\u062f\u0629 \u0628\u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u062a\u0632\u064a\u062f \u0639\u0646 12 \u0634\u0647\u0631\u0627\u064b \u0641\u0625\u0646 \u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u064a\u062a\u0645 \u0636\u0631\u0628\u0647\u0627 \u0641\u064a \u0645\u0636\u0627\u0639\u0641 \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0633\u0646\u0648\u064a \u060c\u060c \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u064a\u062a\u0645 \u0636\u0631\u0628\u0647\u0627 \u0641\u064a 150 % \u0645\u0646 \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0633\u0646\u0648\u064a \u0639\u0646\u062f\u0645\u0627 \u062a\u0643\u0648\u0646 \u0645\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0642\u0635\u0648\u0649 \u0627\u0644\u0645\u062d\u062f\u062f\u0629 \u0628\u0627\u0644\u0648\u062b\u064a\u0642\u0629 18 \u0634\u0647\u0631\u0627\u064b \u060c\u060c \u0648\u0627\u0644\u0646\u0627\u062a\u062c \u064a\u062a\u0645 \u0645\u0642\u0627\u0631\u0646\u062a\u0647 \u0628\u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u060c\u060c \u0648\u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u064a\u062a\u0645 \u0636\u0631\u0628\u0647\u0627 \u0641\u064a 200 % \u0645\u0646 \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0633\u0646\u0648\u064a \u0639\u0646\u062f\u0645\u0627 \u062a\u0643\u0648\u0646 \u0645\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0642\u0635\u0648\u0649 \u0627\u0644\u0645\u062d\u062f\u062f\u0629 \u0628\u0627\u0644\u0648\u062b\u064a\u0642\u0629 24 \u0634\u0647\u0631\u0627\u064b \u060c\u060c \u0648\u0627\u0644\u0646\u0627\u062a\u062c \u064a\u062a\u0645 \u0645\u0642\u0627\u0631\u0646\u062a\u0647 \u0628\u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646<\/p>\n

\u0645\u062b\u0640\u0640\u0640\u0640\u0640\u0627\u0644:<\/span><\/p>\n

\u0648\u0642\u0639 \u062d\u0627\u062f\u062b \u062d\u0631\u064a\u0642 \u0623\u062f\u0649 \u0625\u0644\u0649 \u062a\u0648\u0642\u0641 \u0627\u0644\u0623\u0639\u0645\u0627\u0644<\/p>\n

* \u0645\u0628\u0644\u063a \u062a\u0623\u0645\u064a\u0646 \u0641\u0642\u062f \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0641\u064a \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u064a\u0633\u0627\u0648\u064a 10000 \u062c\u0646\u064a\u0647 \u0648\u0647\u0648 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u062a\u0642\u062f\u064a\u0631\u064a \u0627\u0644\u0630\u064a \u064a\u0642\u062f\u0631\u0647 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647<\/p>\n

* \u0645\u064f\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0642\u0635\u0648\u0649 \u0627\u0644\u0645\u062d\u062f\u062f\u0629 \u0641\u064a \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u062a\u0633\u0627\u0648\u064a 12 \u0634\u0647\u0631\u0627\u064b<\/p>\n

* \u0645\u0648\u0636\u0648\u0639 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0647\u0648 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0648\u0644\u0643\u0646\u0647 \u0641\u0642\u0637 \u0635\u0627\u0641\u064a \u0627\u0644\u0631\u0628\u062d \u0645\u0636\u0627\u0641\u0627\u064b \u0625\u0644\u064a\u0647 \u0628\u0646\u0648\u062f \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062b\u0627\u0628\u062a\u0629 \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627<\/p>\n

* \u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0636\u0631\u0631 (\u0623\u0648 \u0627\u0644\u062d\u0631\u064a\u0642) \u0647\u0648 \u0623\u0648\u0644 \u0625\u0628\u0631\u064a\u0644 2016<\/p>\n

* \u062a\u0648\u0642\u0641 \u0627\u0644\u0639\u0645\u0644 \u0644\u0645\u062f\u0629 \u0633\u062a\u0629 \u0634\u0647\u0648\u0631 \u062a\u0628\u062f\u0623 \u0645\u0646 \u0623\u0648\u0644 \u0625\u0628\u0631\u064a\u0644 2016 \u0648\u062a\u0646\u062a\u0647\u064a \u0641\u064a 30 \u0633\u0628\u062a\u0645\u0628\u0631 2016 \u0648\u0647\u0648 \u062a\u0627\u0631\u064a\u062e \u0627\u0646\u062a\u0647\u0627\u0621 \u0627\u0644\u062a\u0648\u0642\u0641 \u0639\u0646 \u0627\u0644\u0639\u0645\u0644 \u0628\u0627\u0644\u0634\u0631\u0643\u0629<\/p>\n

* \u0648\u0628\u0641\u062d\u0635 \u0627\u0644\u0642\u0648\u0627\u0626\u0645 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0644\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0639\u0646 \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (\u0627\u0644\u0645\u062d\u0627\u0633\u0628\u064a\u0629) \u0627\u0644\u0645\u0646\u062a\u0647\u064a\u0629 \u0641\u064a 31 \u062f\u064a\u0633\u0645\u0628\u0631 2015 \u0623\u062a\u0636\u062d \u0623\u0646 :<\/p>\n

\u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0639\u0646 \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (\u0627\u0644\u0645\u062d\u0627\u0633\u0628\u064a\u0629) \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u0644\u0648\u0642\u0648\u0639 \u0627\u0644\u062d\u0627\u062f\u062b 10000 \u062c\u0646\u064a\u0647 \u0648\u0647\u064a \u0633\u0646\u0629 \u062a\u0628\u062f\u0623 \u0645\u0646 \u0623\u0648\u0644 \u064a\u0646\u0627\u064a\u0631 2015 \u0648\u062a\u0646\u062a\u0647\u064a \u0641\u064a 31 \u062f\u064a\u0633\u0645\u0628\u0631 2015<\/p>\n

\u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0639\u0646 \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (\u0627\u0644\u0645\u062d\u0627\u0633\u0628\u064a\u0629) \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u0644\u0648\u0642\u0648\u0639 \u0627\u0644\u062d\u0627\u062f\u062b 40000 \u062c\u0646\u064a\u0647<\/p>\n

*\u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0639\u0646 \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u0644\u0648\u0642\u0648\u0639 \u0627\u0644\u062d\u0627\u062f\u062b = \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u00f7 \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a<\/p>\n

\u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0639\u0646 \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u0644\u0648\u0642\u0648\u0639 \u0627\u0644\u062d\u0627\u062f\u062b =10000\/40000 = 25%<\/p>\n

* \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0641\u0639\u0644\u064a \u062e\u0644\u0627\u0644 \u0645\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 6000 \u062c\u0646\u064a\u0647<\/p>\n

* \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0645\u0639\u064a\u0627\u0631\u064a standard turnover \u062e\u0644\u0627\u0644 \u0627\u0644\u0645\u064f\u062f\u0629 \u0642\u0628\u0644 \u0627\u0644\u062d\u0631\u064a\u0642 \u0627\u0644\u0645\u0646\u0627\u0638\u0631\u0629 \u0644\u0645\u064f\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 ( \u0645\u0646 1 \/ 4 \/ 2015 \u0625\u0644\u0649 30 \/9 \/ 2015 ) \u0648\u064a\u0637\u0644\u0642 \u0639\u0644\u064a\u0647\u0627 \u0627\u0644\u0645\u064f\u062f\u0629 \u0627\u0644\u0645\u0646\u0627\u0638\u0631\u0629 corresponding period in the preceding year \u0643\u0627\u0646 \u064a\u0633\u0627\u0648\u064a 20000 \u062c\u0646\u064a\u0647<\/p>\n

* \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0633\u0646\u0648\u064a annual turnover \u064a\u0633\u0627\u0648\u064a 44000 \u062c\u0646\u064a\u0647 (\u0639\u0646 \u0645\u062f\u0629 12 \u0634\u0647\u0631 \u0633\u0627\u0628\u0642\u0629 \u0644\u0648\u0642\u0648\u0639 \u0627\u0644\u062d\u0627\u062f\u062b \u062a\u0628\u062f\u0623 \u0623\u0648\u0644 \u0625\u0628\u0631\u064a\u0644 2015)<\/p>\n

* \u0627\u0644\u0639\u062c\u0632 (\u0627\u0644\u0646\u0642\u0635) \u0641\u064a \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u062e\u0644\u0627\u0644 \u0645\u064f\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 = 20000 \u2212 6000 =14000 \u062c\u0646\u064a\u0647<\/p>\n

* \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0645\u0641\u0642\u0648\u062f \u0646\u062a\u064a\u062c\u0629 \u0627\u0644\u0639\u062c\u0632 \u0641\u064a \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a = 14000 \u00d7 25% = 3500 \u062c\u0646\u064a\u0647<\/p>\n

* \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0645\u0639\u0631\u0636 \u0644\u0644\u062e\u0637\u0631 = \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0633\u0646\u0648\u064a \u00d7 \u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d<\/p>\n

= 44000 \u00d7 25% = 11000 \u062c\u0646\u064a\u0647<\/p>\n

\u0641\u064a \u062d\u064a\u0646 \u0623\u0646 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u064a\u0633\u0627\u0648\u064a 10000 \u062c\u0646\u064a\u0647 \u0648\u0647\u0648 \u0623\u0642\u0644 \u0645\u0646 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0645\u0639\u0631\u0636 \u0644\u0644\u062e\u0637\u0631 \u060c\u060c \u0648\u0644\u0630\u0644\u0643 \u062a\u0637\u0628\u0642 \u0642\u0627\u0639\u062f\u0629 \u0627\u0644\u0646\u0633\u0628\u064a\u0629 \u0639\u0644\u0649 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0645\u0641\u0642\u0648\u062f<\/p>\n

\u0645\u062b\u0640\u0640\u0640\u0640\u0640\u0627\u0644:<\/span><\/p>\n

\u0648\u0642\u0639 \u062d\u0627\u062f\u062b \u062d\u0631\u064a\u0642 \u0623\u062f\u0649 \u0625\u0644\u0649 \u062a\u0648\u0642\u0641 \u0627\u0644\u0623\u0639\u0645\u0627\u0644<\/p>\n

* \u0645\u0628\u0644\u063a \u062a\u0623\u0645\u064a\u0646 \u0641\u0642\u062f \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0641\u064a \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u064a\u0633\u0627\u0648\u064a 10000 \u062c\u0646\u064a\u0647 \u0648\u0647\u0648 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u062a\u0642\u062f\u064a\u0631\u064a \u0627\u0644\u0630\u064a \u064a\u0642\u062f\u0631\u0647 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647<\/p>\n

* \u0645\u064f\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0642\u0635\u0648\u0649 \u0627\u0644\u0645\u062d\u062f\u062f\u0629 \u0641\u064a \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u062a\u0633\u0627\u0648\u064a 12 \u0634\u0647\u0631\u0627\u064b<\/p>\n

* \u0645\u0648\u0636\u0648\u0639 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0647\u0648 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0648\u0644\u0643\u0646\u0647 \u0641\u0642\u0637 \u0635\u0627\u0641\u064a \u0627\u0644\u0631\u0628\u062d \u0645\u0636\u0627\u0641\u0627\u064b \u0625\u0644\u064a\u0647 \u0628\u0646\u0648\u062f \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062b\u0627\u0628\u062a\u0629 \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627<\/p>\n

* \u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0636\u0631\u0631 (\u0623\u0648 \u0627\u0644\u062d\u0631\u064a\u0642) \u0647\u0648 \u0623\u0648\u0644 \u0625\u0628\u0631\u064a\u0644 2016<\/p>\n

* \u062a\u0648\u0642\u0641 \u0627\u0644\u0639\u0645\u0644 \u0644\u0645\u062f\u0629 \u0633\u062a\u0629 \u0634\u0647\u0648\u0631 \u062a\u0628\u062f\u0623 \u0645\u0646 \u0623\u0648\u0644 \u0625\u0628\u0631\u064a\u0644 2016 \u0648\u062a\u0646\u062a\u0647\u064a \u0641\u064a 30 \u0633\u0628\u062a\u0645\u0628\u0631 2016 \u0648\u0647\u0648 \u062a\u0627\u0631\u064a\u062e \u0627\u0646\u062a\u0647\u0627\u0621 \u0627\u0644\u062a\u0648\u0642\u0641 \u0639\u0646 \u0627\u0644\u0639\u0645\u0644 \u0628\u0627\u0644\u0634\u0631\u0643\u0629<\/p>\n

* \u0648\u0628\u0641\u062d\u0635 \u0627\u0644\u0642\u0648\u0627\u0626\u0645 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0644\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0639\u0646 \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (\u0627\u0644\u0645\u062d\u0627\u0633\u0628\u064a\u0629) \u0627\u0644\u0645\u0646\u062a\u0647\u064a\u0629 \u0641\u064a 31 \u062f\u064a\u0633\u0645\u0628\u0631 2015 \u0623\u062a\u0636\u062d \u0623\u0646 :<\/p>\n

\u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0639\u0646 \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (\u0627\u0644\u0645\u062d\u0627\u0633\u0628\u064a\u0629) \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u0645\u0628\u0627\u0634\u0631\u0629 \u0644\u0648\u0642\u0648\u0639 \u0627\u0644\u062d\u0627\u062f\u062b 10000 \u062c\u0646\u064a\u0647 \u0648\u0647\u064a \u0633\u0646\u0629 \u062a\u0628\u062f\u0623 \u0645\u0646 \u0623\u0648\u0644 \u064a\u0646\u0627\u064a\u0631 2015 \u0648\u062a\u0646\u062a\u0647\u064a \u0641\u064a 31 \u062f\u064a\u0633\u0645\u0628\u0631 2015<\/p>\n

\u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0639\u0646 \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u0645\u0628\u0627\u0634\u0631\u0629 \u0644\u0648\u0642\u0648\u0639 \u0627\u0644\u062d\u0627\u062f\u062b 40000 \u062c\u0646\u064a\u0647<\/p>\n

*\u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0639\u0646 \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u0644\u0648\u0642\u0648\u0639 \u0627\u0644\u062d\u0627\u062f\u062b = \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u00f7 \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a<\/p>\n

\u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0639\u0646 \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u0644\u0648\u0642\u0648\u0639 \u0627\u0644\u062d\u0627\u062f\u062b =10000\/40000 = 25%<\/p>\n

* \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0645\u0639\u064a\u0627\u0631\u064a standard turnover \u062e\u0644\u0627\u0644 \u0627\u0644\u0645\u064f\u062f\u0629 \u0642\u0628\u0644 \u0627\u0644\u062d\u0631\u064a\u0642 \u0627\u0644\u0645\u0646\u0627\u0638\u0631\u0629 \u0644\u0645\u064f\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 ( \u0645\u0646 1 \/ 4 \/ 2015 \u0625\u0644\u0649 30 \/9 \/ 2015 ) \u0648\u064a\u0637\u0644\u0642 \u0639\u0644\u064a\u0647\u0627 \u0627\u0644\u0645\u064f\u062f\u0629 \u0627\u0644\u0645\u0646\u0627\u0638\u0631\u0629 \u0643\u0627\u0646 \u064a\u0633\u0627\u0648\u064a 20000 \u062c\u0646\u064a\u0647<\/p>\n

* \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0642\u062f \u0623\u0646\u0641\u0642 \u0645\u0635\u0631\u0648\u0641\u0627\u062a \u0625\u0636\u0627\u0641\u064a\u0629 ( \u0643\u0627\u0633\u062a\u0626\u062c\u0627\u0631 \u0645\u0639\u062f\u0627\u062a) \u0642\u062f\u0631\u0647\u0627 3000 \u062c\u0646\u064a\u0647 \u0645\u0645\u0627 \u0623\u062f\u0649 \u0625\u0644\u0649 \u0632\u064a\u0627\u062f\u0629 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u062e\u0644\u0627\u0644 \u0645\u064f\u062f\u0629 \u0627\u0644\u062a\u0648\u0642\u0641 \u0625\u0644\u0649 16000 \u062c\u0646\u064a\u0647 \u0628\u062f\u0644\u0627\u064b \u0645\u0646 \u0623\u0646 \u062a\u0643\u0648\u0646 6000 \u062c\u0646\u064a\u0647 \u0644\u0648 \u0644\u0645 \u064a\u0646\u0641\u0642 \u0645\u062b\u0644 \u0647\u0630\u0647 \u0627\u0644\u0645\u0635\u0631\u0648\u0641\u0627\u062a \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629<\/p>\n

* \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0633\u0646\u0648\u064a annual turnover \u064a\u0633\u0627\u0648\u064a 44000 \u062c\u0646\u064a\u0647 (\u0639\u0646 \u0645\u062f\u0629 12 \u0634\u0647\u0631 \u0633\u0627\u0628\u0642\u0629 \u0645\u0628\u0627\u0634\u0631\u0629 \u0644\u0648\u0642\u0648\u0639 \u0627\u0644\u062d\u0627\u062f\u062b \u062a\u0628\u062f\u0623 \u0623\u0648\u0644 \u0625\u0628\u0631\u064a\u0644 2015)<\/p>\n

\u0627\u062d\u0633\u0628 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0645\u0633\u062a\u062d\u0642 \u0644\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0645\u0639 \u062a\u0637\u0628\u064a\u0642 \u0642\u0627\u0639\u062f\u0629 \u0627\u0644\u0646\u0633\u0628\u064a\u0629<\/p>\n

\u0627\u0644\u062d\u0640\u0640\u0640\u0640\u0644 :<\/span><\/p>\n

\u0646\u0633\u062a\u062e\u062f\u0645 \u0627\u0644\u0645\u0639\u0627\u062f\u0644\u0627\u062a (\u0627\u0644\u062a\u0639\u0627\u0631\u064a\u0641) \u0627\u0644\u0645\u0630\u0643\u0648\u0631\u0629 \u0641\u064a \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0644\u062a\u062d\u062f\u064a\u062f \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u060c\u060c \u0644\u0630\u0627 \u0641\u0625\u0646 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0630\u064a \u064a\u062c\u0628 \u0623\u0646 \u064a\u062f\u0641\u0639\u0647 \u0627\u0644\u0645\u0624\u0645\u0646 \u064a\u062d\u062a\u0633\u0628 \u0639\u0644\u0649 \u0623\u0631\u0628\u0639\u0629 \u0645\u0631\u0627\u062d\u0644 \u0643\u0645\u0627 \u064a\u0644\u064a:<\/p>\n

* \u0627\u0644\u0645\u0631\u062d\u0644\u0629 \u0627\u0644\u0623\u0648\u0644\u0649: \u0628\u062e\u0635\u0648\u0635 \u0627\u0644\u0639\u062c\u0632 \u0641\u064a \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a<\/p>\n

Shortage in turnover \/ reduction in turnover<\/p>\n

\u0627\u0644\u0639\u062c\u0632 \u0641\u064a \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u062e\u0644\u0627\u0644 \u0645\u064f\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 = \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0645\u0639\u064a\u0627\u0631\u064a \u2013 \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0641\u0639\u0644\u064a \u0623\u062b\u0646\u0627\u0621 \u0645\u064f\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 = 20000 \u2013 16000 = 4000 \u062c\u0646\u064a\u0647 \u060c\u060c<\/p>\n

\u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0645\u0641\u0642\u0648\u062f = \u0627\u0644\u0639\u062c\u0632 \u0641\u064a \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u00d7 \u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d<\/p>\n

= 4000 \u00d7 25% = 1000 \u062c\u0646\u064a\u0647<\/p>\n

\u0644\u0630\u0627 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0639\u0646 \u0627\u0644\u0639\u062c\u0632 \u0641\u064a \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a = 1000<\/p>\n

* \u0627\u0644\u0645\u0631\u062d\u0644\u0629 \u0627\u0644\u062b\u0627\u0646\u064a\u0629 : \u0628\u062e\u0635\u0648\u0635 \u0627\u0644\u0632\u064a\u0627\u062f\u0629 \u0641\u064a \u062a\u0643\u0627\u0644\u064a\u0641 \u0627\u0644\u062a\u0634\u063a\u064a\u0644<\/p>\n

increased cost (increase in cost of working<\/p>\n

* \u0645\u0627 \u0623\u0646\u0641\u0642\u0647 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0639\u0644\u0649 \u0627\u0644\u0645\u0635\u0631\u0648\u0641\u0627\u062a \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629 = 3000 \u062c\u0646\u064a\u0647<\/p>\n

* \u0632\u064a\u0627\u062f\u0629 \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0646\u062a\u064a\u062c\u0629 \u0627\u0644\u0645\u0635\u0631\u0648\u0641\u0627\u062a \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629 = 16000 \u0640 6000 = 10000 \u062c\u0646\u064a\u0647 \u0648\u064a\u0637\u0644\u0642 \u0639\u0644\u064a\u0647 \u0627\u0644\u0639\u062c\u0632 \u0641\u064a \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0630\u064a \u062a\u0645 \u0627\u062c\u062a\u0646\u0627\u0628\u0647 reduction in turnover avoided<\/p>\n

* \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0646\u0627\u062a\u062c \u0639\u0646 \u0632\u064a\u0627\u062f\u0629 \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a = 10000 \u00d7 25% = 2500 \u062c\u0646\u064a\u0647<\/p>\n

* \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u0642\u0635\u0649 \u0627\u0644\u0645\u0633\u0645\u0648\u062d \u0628\u0647 \u0644\u0644\u062a\u0643\u0627\u0644\u064a\u0641 \u0627\u0644\u0632\u0627\u0626\u062f\u0629 \u064a\u062c\u0628 \u0623\u0646 \u0644\u0627 \u064a\u0632\u064a\u062f \u0639\u0646 \u0646\u0627\u062a\u062c \u0636\u0631\u0628 \u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0641\u064a \u0627\u0644\u0639\u062c\u0632 \u0641\u064a \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0630\u064a \u062a\u0645 \u0627\u062c\u062a\u0646\u0627\u0628\u0647 ((\u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0646\u0627\u062a\u062c \u0639\u0646 \u0627\u0644\u0632\u064a\u0627\u062f\u0629 \u0641\u064a \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0648\u0647\u0648 2500 \u062c\u0646\u064a\u0647<\/p>\n

\u0644\u0630\u0644\u0643 \u064a\u062a\u0645 \u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0639\u0646 \u0627\u0644\u0645\u0635\u0631\u0648\u0641\u0627\u062a \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629 ( 3000 ) \u0623\u0648 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0646\u0627\u062a\u062c \u0639\u0646 \u0627\u0644\u0632\u064a\u0627\u062f\u0629 \u0641\u064a \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a ( 2500 ) \u0623\u064a\u0647\u0645\u0627 \u0623\u0642\u0644<\/p>\n

\u0648\u0644\u0630\u0644\u0643 \u0641\u0625\u0646 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0639\u0646 \u0627\u0644\u0645\u0635\u0631\u0648\u0641\u0627\u062a \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629 = 2500 \u062c\u0646\u064a\u0647<\/p>\n

* \u0627\u0644\u0645\u0631\u062d\u0644\u0629 \u0627\u0644\u062b\u0627\u0644\u062b\u0629<\/p>\n

\u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u062a\u0639\u0648\u064a\u0636 =\u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0639\u0646 \u0627\u0644\u0639\u062c\u0632 \u0641\u064a \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a (1000 \u062c\u0646\u064a\u0647) + \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0639\u0646 \u0627\u0644\u0645\u0635\u0631\u0648\u0641\u0627\u062a \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629 ( 2500 ) =3500 \u062c\u0646\u064a\u0647 \u0648\u0644\u0643\u0646 \u064a\u062a\u0645 \u062a\u0637\u0628\u064a\u0642 \u0642\u0627\u0639\u062f\u0629 \u0627\u0644\u0646\u0633\u0628\u064a\u0629 \u0639\u0644\u064a\u0647<\/p>\n

* \u0627\u0644\u0645\u0631\u062d\u0644\u0629 \u0627\u0644\u062b\u0627\u0644\u062b\u0629 : \u0628\u062e\u0635\u0648\u0635 \u062a\u0637\u0628\u064a\u0642 \u0634\u0631\u0637 \u0627\u0644\u0646\u0633\u0628\u064a\u0629<\/p>\n

\u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0645\u0639\u0631\u0636 \u0644\u0644\u062e\u0637\u0631 = \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0633\u0646\u0648\u064a \u00d7 \u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d<\/p>\n

= 44000 \u00d7 25% = 11000 \u062c\u0646\u064a\u0647<\/p>\n

\u0641\u064a \u062d\u064a\u0646 \u0623\u0646 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u064a\u0633\u0627\u0648\u064a 10000 \u062c\u0646\u064a\u0647 \u0648\u0647\u0648 \u0623\u0642\u0644 \u0645\u0646 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0645\u0639\u0631\u0636 \u0644\u0644\u062e\u0637\u0631 \u060c\u060c \u0648\u0644\u0630\u0644\u0643 \u062a\u0637\u0628\u0642 \u0642\u0627\u0639\u062f\u0629 \u0627\u0644\u0646\u0633\u0628\u064a\u0629 \u0639\u0644\u0649 \u0627\u0644\u062e\u0633\u0627\u0631\u0629<\/p>\n

\u0634\u0631\u0637 \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062b\u0627\u0628\u062a\u0629 \u0627\u0644\u063a\u064a\u0631 \u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627<\/span><\/p>\n

Uninsured Standing Charge Clause<\/p>\n

\u064a\u0646\u0635 \u0647\u0630\u0627 \u0627\u0644\u0634\u0631\u0637 \u0639\u0644\u0649 \u0623\u0646\u0647 \u0639\u0646\u062f\u0645\u0627 \u064a\u0643\u0648\u0646 \u0623\u064a \u0628\u0646\u062f \u0645\u0646 \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062b\u0627\u0628\u062a\u0629 \u063a\u064a\u0631 \u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647 (( \u0625\u064a \u0625\u0646\u0647 \u0623\u062f\u0631\u062c \u0636\u0645\u0646 \u0642\u0627\u0626\u0645\u0629 \u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062a\u0634\u063a\u064a\u0644 \u0627\u0644\u0645\u062d\u062f\u062f\u0629 )) \u0641\u0625\u0646\u0647 \u064a\u0639\u062a\u0628\u0631 \u0645\u0635\u0627\u0631\u064a\u0641 \u062b\u0627\u0628\u062a\u0629 \u063a\u064a\u0631 \u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627 \u060c\u060c \u0648\u0639\u0646\u062f \u062d\u0633\u0627\u0628 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0639\u0646 \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629 ((\u0627\u0644\u0632\u064a\u0627\u062f\u0629 \u0641\u064a \u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062a\u0634\u063a\u064a\u0644)) \u062a\u0635\u0631\u0641 \u0646\u0633\u0628\u0629 \u0641\u0642\u0637 \u0645\u0646 \u0647\u0630\u0647 \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629 \u060c\u060c \u0648\u0647\u0630\u0647 \u0627\u0644\u0646\u0633\u0628\u0629 \u0647\u064a \u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0625\u0644\u0649 \u0645\u062c\u0645\u0648\u0639 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0648\u0647\u0630\u0647 \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062b\u0627\u0628\u062a\u0629 \u0627\u0644\u063a\u064a\u0631 \u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627<\/p>\n

\u0634\u0631\u0637 \u0627\u0644\u062a\u0639\u062f\u064a\u0644 (\u0634\u0631\u0637 \u062a\u0639\u062f\u064a\u0644 \u0627\u0644\u0623\u0631\u0642\u0627\u0645) adjustment clause<\/span><\/p>\n

\u0634\u0631\u0637 \u0627\u0644\u062a\u0639\u062f\u064a\u0644 \u0648\u064a\u0637\u0644\u0642 \u0639\u0644\u064a\u0647 \u0623\u062d\u064a\u0627\u0646\u0627\u064b \u0634\u0631\u0637 \u0627\u0644\u0638\u0631\u0648\u0641 \u0627\u0644\u0623\u062e\u0631\u0649 other circumstances clause \u0647\u0648 \u0634\u0631\u0637 \u064a\u0638\u0647\u0631 \u0623\u0645\u0627\u0645 \u062a\u0639\u0627\u0631\u064a\u0641 \u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0648\u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0633\u0646\u0648\u064a \u0648\u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0645\u0639\u064a\u0627\u0631\u064a \u0648\u064a\u0641\u0635\u0644 \u0628\u064a\u0646\u0647 \u0648\u0628\u064a\u0646\u0647\u0645 \u0642\u0648\u0633 \u060c\u060c \u0648\u0644\u0645\u0627 \u0643\u0627\u0646 \u062a\u0634\u063a\u064a\u0644 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u064a\u0642\u0648\u0645 \u0639\u0644\u0649 \u0627\u0641\u062a\u0631\u0627\u0636\u0627\u062a \u062b\u0627\u0628\u062a\u0629 \u0648\u0647\u064a \u0623\u0646 \u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0633\u062a\u0638\u0644 \u062b\u0627\u0628\u062a\u0627\u064b \u0645\u0646 \u0633\u0646\u0629 \u0625\u0644\u0649 \u0623\u062e\u0631\u0649 \u0644\u0648 \u0644\u0645 \u064a\u062d\u062f\u062b \u062d\u0627\u062f\u062b \u0627\u0644\u062d\u0631\u064a\u0642 \u060c\u060c \u0648\u0623\u0646 \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0645\u0639\u064a\u0627\u0631\u064a \u0642\u0628\u0644 \u0627\u0644\u062d\u0631\u064a\u0642 \u0643\u0627\u0646 \u0633\u064a\u0638\u0644 \u062b\u0627\u0628\u062a\u0627\u064b \u0628\u0639\u062f \u0627\u0644\u062d\u0631\u064a\u0642 \u0644\u0648 \u0644\u0645 \u064a\u062d\u062f\u062b \u062d\u0627\u062f\u062b \u0627\u0644\u062d\u0631\u064a\u0642 \u060c\u060c \u0625\u0644\u0627 \u0623\u0646\u0647 \u0641\u064a \u0627\u0644\u0648\u0627\u0642\u0639 \u0627\u0644\u0639\u0645\u0644\u064a \u0646\u062c\u062f \u0623\u0646 \u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0642\u062f \u062a\u062a\u063a\u064a\u0631 \u0645\u0646 \u0633\u0646\u0629 \u0625\u0644\u0649 \u0623\u062e\u0631\u0649 \u0646\u062a\u064a\u062c\u0629 \u062a\u063a\u064a\u0631 \u0627\u0644\u0623\u062d\u0648\u0627\u0644 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u060c\u060c \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u062a\u062e\u064a\u0644 \u0627\u0631\u062a\u0641\u0627\u0639 \u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0645\u0634\u062a\u0631\u064a\u0627\u062a \u0641\u064a \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u0644\u062d\u0627\u062f\u062b \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u0648\u0623\u0646 \u0647\u0630\u0647 \u0627\u0644\u0632\u064a\u0627\u062f\u0629 \u0642\u062f \u062a\u062d\u0645\u0644\u0647\u0627 \u0635\u0627\u062d\u0628 \u0627\u0644\u0645\u0634\u0631\u0648\u0639 \u062f\u0648\u0646 \u0623\u0646 \u064a\u062d\u0645\u0644\u0647\u0627 \u0639\u0644\u0649 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 (\u0639\u0646 \u0637\u0631\u064a\u0642 \u0631\u0641\u0639 \u0623\u0633\u0639\u0627\u0631 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a) \u0645\u0645\u0627 \u064a\u0624\u062f\u064a \u0625\u0644\u0649 \u0627\u0646\u062e\u0641\u0627\u0636 \u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u060c\u060c \u0623\u0648 \u0623\u0646 \u0627\u0644\u0637\u0644\u0628 \u0639\u0644\u0649 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0642\u062f \u0627\u0646\u062e\u0641\u0636 \u0628\u0637\u0631\u064a\u0642\u0629 \u0645\u0641\u0627\u062c\u0626\u0629 \u0641\u064a \u0627\u0644\u0641\u062a\u0631\u0629 \u0627\u0644\u0645\u0646\u0627\u0638\u0631\u0629 \u0642\u0628\u0644 \u0627\u0644\u062d\u0631\u064a\u0642 \u060c\u060c \u0623\u0648 \u0625\u0646\u0647 \u062d\u062f\u062b \u0625\u0636\u0631\u0627\u0628 \u0623\u0648 \u0639\u0637\u0644 \u0641\u064a \u0627\u0644\u0641\u062a\u0631\u0629 \u0627\u0644\u0645\u0646\u0627\u0638\u0631\u0629 \u0642\u0628\u0644 \u0627\u0644\u062d\u0631\u064a\u0642 \u0645\u0645\u0627 \u0623\u062f\u0649 \u0625\u0644\u0649 \u0646\u0642\u0635 \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0645\u0639\u064a\u0627\u0631\u064a \u060c\u060c \u0623\u0648 \u0623\u0646 \u0623\u062d\u0648\u0627\u0644 \u0627\u0644\u0633\u0648\u0642 \u062a\u062d\u0633\u0646\u062a \u0628\u0639\u062f \u0627\u0644\u062d\u0631\u064a\u0642 \u0623\u062b\u0646\u0627\u0621 \u0627\u0644\u062a\u0648\u0642\u0641 \u060c\u060c \u0648\u0628\u0639\u0636 \u0623\u0646\u0648\u0627\u0639 \u0627\u0644\u062a\u062c\u0627\u0631\u0629 \u064a\u0643\u0648\u0646 \u0644\u0647\u0627 \u0637\u0628\u064a\u0639\u0629 \u0645\u0648\u0633\u0645\u064a\u0629 \u060c\u060c \u0644\u0630\u0627 \u0641\u0625\u0646 \u0634\u0631\u0637 \u0627\u0644\u062a\u0639\u062f\u064a\u0644 \u064a\u0646\u0635 \u0639\u0644\u0649 \u0623\u0646 \u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0648\u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0645\u0639\u064a\u0627\u0631\u064a \u0648\u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0633\u0646\u0648\u064a \u0633\u0648\u0641 \u064a\u062a\u0645 \u062a\u0639\u062f\u064a\u0644\u0647\u0645 \u0641\u064a \u062d\u0627\u0644\u0629 \u0648\u062c\u0648\u062f \u0645\u062b\u0644 \u0647\u0630\u0647 \u0627\u0644\u0623\u062d\u0648\u0627\u0644 \u0648\u0627\u0644\u062a\u063a\u064a\u0631\u0627\u062a \u0641\u064a \u0627\u0644\u0638\u0631\u0648\u0641 \u0627\u0644\u0623\u062e\u0631\u0649 \u0627\u0644\u062a\u064a \u0623\u062b\u0631\u062a \u0639\u0644\u0649 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0642\u0628\u0644 \u0623\u0648 \u0628\u0639\u062f \u062d\u0627\u062f\u062b \u0627\u0644\u0636\u0631\u0631 \u0627\u0644\u0645\u0627\u062f\u064a \u060c\u060c \u0648\u0625\u0630\u0627 \u062a\u0645 \u062a\u0639\u062f\u064a\u0644 \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0645\u0639\u064a\u0627\u0631\u064a \u0641\u064a\u062a\u0628\u0639 \u0630\u0644\u0643 \u062a\u0639\u062f\u064a\u0644 \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0633\u0646\u0648\u064a \u060c\u060c \u0648\u0641\u064a \u0627\u0644\u062d\u064a\u0627\u0629 \u0627\u0644\u0639\u0645\u0644\u064a\u0629 \u064a\u062a\u0645 \u0627\u0644\u062a\u0648\u0635\u0644 \u0625\u0644\u0649 \u0647\u0630\u0627 \u0627\u0644\u062a\u0639\u062f\u064a\u0644 \u0628\u0627\u0644\u062a\u0631\u0627\u0636\u064a \u0648\u0627\u0644\u0627\u062a\u0641\u0627\u0642 \u0627\u0644\u0645\u062a\u0628\u0627\u062f\u0644 \u0628\u064a\u0646 \u0627\u0644\u0645\u0624\u0645\u0646 \u0648\u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0625\u0630\u0627 \u0623\u0642\u062a\u0646\u0639 \u0627\u0644\u0645\u0624\u0645\u0646 \u0628\u0648\u062c\u0648\u062f \u062a\u063a\u064a\u0631\u0627\u062a \u0641\u064a \u0627\u0644\u0623\u062d\u0648\u0627\u0644 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629<\/p>\n

\u0645\u062b\u0640\u0640\u0640\u0640\u0640\u0627\u0644:<\/span><\/p>\n

\u0648\u0642\u0639 \u062d\u0627\u062f\u062b \u062d\u0631\u064a\u0642 \u0641\u064a \u0623\u0648\u0644 \u0645\u0627\u0631\u0633 2016 \u0623\u062f\u0649 \u0625\u0644\u0649 \u062a\u0648\u0642\u0641 \u0627\u0644\u0623\u0639\u0645\u0627\u0644<\/p>\n

* \u0645\u0628\u0644\u063a \u062a\u0623\u0645\u064a\u0646 \u0641\u0642\u062f \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0641\u064a \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u064a\u0633\u0627\u0648\u064a 20000 \u062c\u0646\u064a\u0647<\/p>\n

* \u0645\u064f\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0642\u0635\u0648\u0649 \u0627\u0644\u0645\u062d\u062f\u062f\u0629 \u0641\u064a \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u062a\u0633\u0627\u0648\u064a 12 \u0634\u0647\u0631\u0627\u064b<\/p>\n

* \u0645\u0648\u0636\u0648\u0639 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0647\u0648 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0648\u0644\u0643\u0646\u0647 \u0641\u0642\u0637 \u0635\u0627\u0641\u064a \u0627\u0644\u0631\u0628\u062d \u0645\u0636\u0627\u0641\u0627\u064b \u0625\u0644\u064a\u0647 \u0628\u0646\u0648\u062f \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062b\u0627\u0628\u062a\u0629 \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627<\/p>\n

* \u062a\u0627\u0631\u064a\u062e \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 (\u0627\u0644\u062d\u0631\u064a\u0642) \u0647\u0648 \u0623\u0648\u0644 \u0645\u0627\u0631\u0633 2016<\/p>\n

* \u0645\u062f\u0629 \u0627\u0644\u062a\u0648\u0642\u0641 \u0639\u0646 \u0627\u0644\u0639\u0645\u0644 \u0647\u064a \u0639\u0634\u0631\u0629 \u0634\u0647\u0648\u0631 \u0628\u062f\u0623\u062a \u0645\u0646 \u0623\u0648\u0644 \u0645\u0627\u0631\u0633 2016 \u0648\u0627\u0646\u062a\u0647\u062a \u0641\u064a 31 \u062f\u064a\u0633\u0645\u0628\u0631 2016 \u0648\u0647\u0648 \u062a\u0627\u0631\u064a\u062e \u0627\u0646\u062a\u0647\u0627\u0621 \u0627\u0644\u062a\u0648\u0642\u0641 \u0639\u0646 \u0627\u0644\u0639\u0645\u0644 \u0628\u0627\u0644\u0634\u0631\u0643\u0629<\/p>\n

* \u0648\u0628\u0641\u062d\u0635 \u0627\u0644\u0642\u0648\u0627\u0626\u0645 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (\u0627\u0644\u0645\u062d\u0627\u0633\u0628\u064a\u0629) \u0644\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0639\u0646 \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u0645\u0646\u062a\u0647\u064a\u0629 \u0641\u064a 31 \u062f\u064a\u0633\u0645\u0628\u0631 2015 \u0623\u062a\u0636\u062d \u0623\u0646 \u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0639\u0646 \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 (\u0627\u0644\u0645\u062d\u0627\u0633\u0628\u064a\u0629) \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u0645\u0628\u0627\u0634\u0631\u0629 \u0644\u0648\u0642\u0648\u0639 \u0627\u0644\u062d\u0627\u062f\u062b =30%<\/p>\n

* \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0633\u0646\u0648\u064a \u0639\u0646 12 \u0634\u0647\u0631\u0627\u064b \u0633\u0627\u0628\u0642\u0629 \u0645\u0628\u0627\u0634\u0631\u0629 \u0644\u062a\u0627\u0631\u064a\u062e \u062d\u062f\u0648\u062b \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u064a\u0633\u0627\u0648\u064a 60000 \u062c\u0646\u064a\u0647 \u060c\u060c \u0644\u0630\u0627 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0639\u0646 \u0646\u0641\u0633 \u0627\u0644\u0645\u064f\u062f\u0629 \u064a\u0633\u0627\u0648\u064a 18000 \u062c\u0646\u064a\u0647 \u0637\u0628\u0642\u0627\u064b \u0644\u0627\u0641\u062a\u0631\u0627\u0636 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0648\u0647\u0648 \u062b\u0628\u0627\u062a \u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d ((60000 \u062c\u0646\u064a\u0647 \u00d7 30% = 18000 \u062c\u0646\u064a\u0647))<\/p>\n

* \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0645\u0639\u064a\u0627\u0631\u064a standard turnover \u0639\u0646 \u0645\u064f\u062f\u0629 \u062a\u0628\u062f\u0623 \u0645\u0646 \u0623\u0648\u0644 \u0645\u0627\u0631\u0633 2015 \u062d\u062a\u0649 31 \u062f\u064a\u0633\u0645\u0628\u0631 2015 (\u0639\u0634\u0631\u0629 \u0634\u0647\u0648\u0631) \u064a\u0633\u0627\u0648\u064a 50000 \u062c\u0646\u064a\u0647 \u0648\u0647\u064a \u0627\u0644\u0645\u064f\u062f\u0629 \u0627\u0644\u0645\u0646\u0627\u0638\u0631\u0629 corresponding period \u0627\u0644\u062a\u064a \u062a\u0642\u0639 \u062f\u0627\u062e\u0644 \u0645\u064f\u062f\u0629 \u0642\u0648\u0627\u0645\u0647\u0627 12 \u0634\u0647\u0631\u0627\u064b \u0633\u0627\u0628\u0642\u0629 \u0645\u0628\u0627\u0634\u0631\u0629 \u0644\u0648\u0642\u0648\u0639 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629<\/p>\n

* \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0627\u062f\u0639\u0649 \u0623\u0646 \u0627\u0644\u0623\u062d\u0648\u0627\u0644 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0641\u064a \u0627\u0644\u0634\u0647\u0648\u0631 \u0627\u0644\u0623\u0648\u0644\u0649 \u0645\u0646 \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u0645\u0628\u0627\u0634\u0631\u0629 \u0644\u0644\u062d\u0631\u064a\u0642 \u0643\u0627\u0646\u062a \u0633\u064a\u0626\u0629 \u060c\u060c \u0648\u0644\u0643\u0646 \u0641\u064a \u0622\u062e\u0631 \u0634\u0647\u0631\u064a\u0646 \u0645\u0646 \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u0645\u0628\u0627\u0634\u0631\u0629 \u0644\u0644\u062d\u0631\u064a\u0642 \u062d\u062f\u062b \u062a\u062d\u0633\u0646 \u060c\u060c \u0648\u0627\u062f\u0639\u0649 \u0625\u0646\u0647 \u0644\u0648 \u0644\u0645 \u064a\u0642\u0639 \u0627\u0644\u062d\u0631\u064a\u0642 \u0641\u0625\u0646\u0647 \u0643\u0627\u0646 \u064a\u062a\u0648\u0642\u0639 \u062a\u062d\u0633\u064a\u0646 \u0641\u064a \u0627\u0644\u0646\u062a\u0627\u0626\u062c \u0639\u0645\u0627 \u0643\u0627\u0646 \u0639\u0644\u064a\u0647 \u0642\u0628\u0644 \u0627\u0644\u062d\u0631\u064a\u0642 \u060c\u060c \u0648\u0642\u062f \u0627\u0642\u062a\u0646\u0639 \u0627\u0644\u0645\u0624\u0645\u0646 \u0628\u0647\u0630\u0647 \u0627\u0644\u0627\u062f\u0639\u0627\u0621\u0627\u062a \u0639\u0646\u062f\u0645\u0627 \u0641\u062d\u0635 \u0627\u0644\u0633\u0646\u0648\u0627\u062a \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u0628\u0627\u0644\u062f\u0641\u0627\u062a\u0631 \u0627\u0644\u0645\u062d\u0627\u0633\u0628\u064a\u0629 \u060c\u060c \u0648\u0639\u0646 \u0637\u0631\u064a\u0642 \u0627\u0644\u062a\u0631\u0627\u0636\u064a \u0648\u0627\u0644\u0627\u062a\u0641\u0627\u0642 \u0627\u0644\u0645\u062a\u0628\u0627\u062f\u0644 \u0628\u064a\u0646 \u0627\u0644\u0645\u0624\u0645\u0646 \u0648\u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u062a\u0645 \u0639\u0645\u0644 \u0627\u0644\u062a\u0639\u062f\u064a\u0644 \u0627\u0644\u0645\u0648\u0636\u062d \u0641\u064a \u0627\u0644\u062c\u062f\u0648\u0644 \u0623\u062f\u0646\u0627\u0647 \u0644\u0631\u0641\u0639 \u0623\u0631\u0642\u0627\u0645 \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u0633\u0627\u0628\u0642\u0629 \u0645\u0628\u0627\u0634\u0631\u0629 \u0644\u0644\u062d\u0631\u064a\u0642 \u0625\u0644\u0649 \u0627\u0644\u062a\u0642\u062f\u064a\u0631\u0627\u062a \u0627\u0644\u0645\u0639\u0642\u0648\u0644\u0629 \u0627\u0644\u062a\u064a \u0643\u0627\u0646 \u064a\u062a\u0648\u0642\u0639\u0647\u0627 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0641\u064a \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u062a\u0627\u0644\u064a\u0629 \u0644\u0648 \u0644\u0645 \u064a\u062d\u062f\u062b \u0627\u0644\u062d\u0631\u064a\u0642 \u0637\u0628\u0642\u0627\u064b \u0644\u0634\u0631\u0637 \u062a\u0639\u062f\u064a\u0644 \u0627\u0644\u0623\u0631\u0642\u0627\u0645 \u060c\u060c<\/p>\n

* \u0641\u064a \u0627\u0644\u0634\u0647\u0631 \u0627\u0644\u0623\u0648\u0644 \u0628\u0639\u062f \u0648\u0642\u0648\u0639 \u0627\u0644\u062d\u0631\u064a\u0642 \u062a\u0648\u0642\u0641\u062a \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0628\u0627\u0644\u0643\u0627\u0645\u0644 \u060c\u060c \u0648\u0644\u0643\u0646 \u0627\u0628\u062a\u062f\u0627\u0621 \u0645\u0646 \u0623\u0648\u0644 \u0627\u0644\u0634\u0647\u0631 \u0627\u0644\u062a\u0627\u0644\u064a \u0632\u0627\u0648\u0644 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0646\u0634\u0627\u0637\u0647 \u0641\u064a \u0645\u0628\u0646\u0649 \u0645\u0624\u0642\u062a \u060c\u060c \u0648\u0644\u0643\u0646\u0647 \u062a\u062d\u0645\u0644 \u0645\u0635\u0627\u0631\u064a\u0641 \u0625\u0636\u0627\u0641\u064a\u0629 \u0648\u0644\u0645 \u064a\u0635\u0644 \u0625\u0644\u0649 \u0643\u0627\u0645\u0644 \u0637\u0627\u0642\u062a\u0647 \u0627\u0644\u0625\u0646\u062a\u0627\u062c\u064a\u0629 \u0627\u0644\u0645\u064f\u0639\u062a\u0627\u062f\u0629 \u060c\u060c \u0644\u0630\u0627 \u0627\u0644\u0639\u062c\u0632 \u0641\u064a \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0623\u062b\u0646\u0627\u0621 \u0645\u064f\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u062a\u0645 \u062d\u0633\u0627\u0628\u0647 \u0628\u0645\u0642\u0627\u0631\u0646\u0629 \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0645\u0639\u064a\u0627\u0631\u064a \u0627\u0644\u0645\u0639\u062f\u0644 \u0642\u0628\u0644 \u0627\u0644\u062d\u0631\u064a\u0642 (\u0645\u0646 \u0645\u0627\u0631\u0633 2015 \u0625\u0644\u0649 \u062f\u064a\u0633\u0645\u0628\u0631 2015) \u0628\u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0641\u0639\u0644\u064a \u0628\u0639\u062f \u0627\u0644\u062d\u0631\u064a\u0642(\u0645\u0646 \u0645\u0627\u0631\u0633 2016 \u0625\u0644\u0649 \u062f\u064a\u0633\u0645\u0628\u0631 2016)<\/p>\n

* \u0627\u0644\u062a\u0643\u0627\u0644\u064a\u0641 \u0627\u0644\u0632\u0627\u0626\u062f\u0629 (\u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629) increased cost \u0628\u0644\u063a\u062a 12000 \u062c\u0646\u064a\u0647 \u0644\u0645\u0632\u0627\u0648\u0644\u0629 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0646\u0634\u0627\u0637\u0647 \u0641\u064a \u0645\u0628\u0646\u0649 \u0645\u0624\u0642\u062a \u060c\u060c \u0648\u0625\u0630\u0627 \u0644\u0645 \u064a\u062a\u0645 \u0635\u0631\u0641 \u0647\u0630\u0647 \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0641\u0625\u0646\u0647 \u0644\u0645 \u062a\u0648\u062c\u062f \u0645\u0628\u064a\u0639\u0627\u062a \u0623\u062b\u0646\u0627\u0621 \u0645\u064f\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636<\/p>\n

* \u0628\u0646\u0648\u062f \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062b\u0627\u0628\u062a\u0629 \u0627\u0644\u063a\u064a\u0631 \u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627 \u0628\u0644\u063a\u062a 1000 \u062c\u0646\u064a\u0647 \u060c\u060c \u064a\u0639\u0646\u064a \u0647\u0630\u0647 \u0627\u0644\u0628\u0646\u0648\u062f \u0623\u062f\u0631\u062c\u062a \u0636\u0645\u0646 \u0642\u0627\u0626\u0645\u0629 \u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062a\u0634\u063a\u064a\u0644 \u0627\u0644\u0645\u062d\u062f\u062f\u0629<\/p>\n

* \u0646\u062a\u064a\u062c\u0629 \u0644\u062d\u0627\u062f\u062b \u0627\u0644\u062d\u0631\u064a\u0642 \u062d\u0642\u0642 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0648\u0641\u0648\u0631\u0627\u062a \u0641\u064a \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062b\u0627\u0628\u062a\u0629 \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627 savings in insured standing charges \u0623\u062b\u0646\u0627\u0621 \u0645\u064f\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0642\u062f\u0631\u0647\u0627 1500 \u062c\u0646\u064a\u0647 (( \u0645\u062b\u0644 \u0625\u0639\u0641\u0627\u0621 \u0645\u0646 \u0636\u0631\u064a\u0628\u0629 \u062b\u0627\u0628\u062a\u0629 \u0623\u0648 \u062a\u0648\u0642\u0641 \u062f\u0641\u0639 \u0625\u064a\u062c\u0627\u0631))<\/p>\n

\u0648\u0628\u062a\u0637\u0628\u064a\u0642 \u0627\u0644\u0645\u0639\u0627\u062f\u0644\u0627\u062a \u0627\u0644\u062a\u064a \u0648\u0636\u0639\u062a\u0647\u0627 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0641\u0625\u0646 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0630\u064a \u064a\u062c\u0628 \u0623\u0646 \u064a\u062f\u0641\u0639\u0647 \u0627\u0644\u0645\u0624\u0645\u0646 \u064a\u062d\u062a\u0633\u0628 \u0639\u0644\u0649 \u0623\u0631\u0628\u0639\u0629 \u062e\u0637\u0648\u0627\u062a \u0643\u0645\u0627 \u064a\u0644\u064a:<\/span><\/p>\n

\u0627\u0644\u062e\u0637\u0648\u0629 \u0627\u0644\u0623\u0648\u0644\u0649:<\/p>\n

\u0628\u062e\u0635\u0648\u0635 \u0627\u0644\u0639\u062c\u0632 \u0641\u064a \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a Shortage in turnover<\/p>\n

\u0627\u0644\u0639\u062c\u0632 \u0641\u064a \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u062e\u0644\u0627\u0644 \u0645\u064f\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 = \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0645\u0639\u064a\u0627\u0631\u064a \u0627\u0644\u0645\u0639\u062f\u0644 \u2013 \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0641\u0639\u0644\u064a \u0623\u062b\u0646\u0627\u0621 \u0645\u064f\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 = 55000 \u2013 40000 = 15000 \u062c\u0646\u064a\u0647 \u060c\u060c<\/p>\n

\u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0639\u0646 \u0627\u0644\u0639\u062c\u0632 \u0641\u064a \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a = \u0627\u0644\u0639\u062c\u0632 \u0641\u064a \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u00d7 \u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0645\u0639\u062f\u0644\u0629 = 15000 \u00d7 32% = 4800 \u062c\u0646\u064a\u0647<\/p>\n

\u0627\u0644\u062e\u0637\u0648\u0629 \u0627\u0644\u062b\u0627\u0646\u064a\u0629:<\/p>\n

\u0628\u062e\u0635\u0648\u0635 \u0627\u0644\u0632\u064a\u0627\u062f\u0629 \u0641\u064a \u062a\u0643\u0627\u0644\u064a\u0641 \u0627\u0644\u062a\u0634\u063a\u064a\u0644 increased cost (increase in cost of working)<\/p>\n

\u0628\u0646\u0648\u062f \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062b\u0627\u0628\u062a\u0629 \u0627\u0644\u063a\u064a\u0631 \u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627 \u0628\u0644\u063a\u062a 1000 \u062c\u0646\u064a\u0647 \u060c\u060c \u0648\u0637\u0628\u0642\u0627\u064b \u0644\u0634\u0631\u0637 \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062b\u0627\u0628\u062a\u0629 \u0627\u0644\u063a\u064a\u0631 \u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627 \u0641\u0625\u0646 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u064a\u062c\u0628 \u0623\u0646 \u062a\u062f\u0641\u0639 \u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u062d\u0627\u0644\u0629 \u0646\u0633\u0628\u0629 \u0645\u0646 \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629 (\u0627\u0644\u0632\u064a\u0627\u062f\u0629 \u0641\u064a \u062a\u0643\u0627\u0644\u064a\u0641 \u0627\u0644\u062a\u0634\u063a\u064a\u0644) \u0647\u064a \u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d (20800) \u0625\u0644\u0649 \u0645\u062c\u0645\u0648\u0639 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0648\u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062b\u0627\u0628\u062a\u0629 \u0627\u0644\u063a\u064a\u0631 \u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627 (20800 + 1000 \u062c\u0646\u064a\u0647)<\/p>\n

\u0627\u0644\u062d\u062f \u0627\u0644\u0623\u0642\u0635\u0649 \u0627\u0644\u0645\u0633\u0645\u0648\u062d \u0628\u0647 \u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u062a\u0643\u0627\u0644\u064a\u0641 \u0627\u0644\u0632\u0627\u0626\u062f\u0629 \u064a\u062c\u0628 \u0623\u0646 \u0644\u0627 \u064a\u0632\u064a\u062f \u0639\u0646 \u0646\u0627\u062a\u062c \u0636\u0631\u0628 \u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0645\u0639\u062f\u0644 \u0641\u064a \u0627\u0644\u0639\u062c\u0632 \u0641\u064a \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0630\u064a \u062a\u0645 \u0627\u062c\u062a\u0646\u0627\u0628\u0647 reduction in turnover avoided ((\u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0639\u0646 \u0632\u064a\u0627\u062f\u0629 \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0646\u062a\u064a\u062c\u0629 \u0627\u0644\u062a\u0643\u0627\u0644\u064a\u0641 \u0627\u0644\u0632\u0627\u0626\u062f\u0629))<\/p>\n

\u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0639\u0646 \u0627\u0644\u0639\u062c\u0632 \u0641\u064a \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0630\u064a \u062a\u0645 \u0627\u062c\u062a\u0646\u0627\u0628\u0647 ((\u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0639\u0646 \u0632\u064a\u0627\u062f\u0629 \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0646\u062a\u064a\u062c\u0629 \u0627\u0644\u062a\u0643\u0627\u0644\u064a\u0641 \u0627\u0644\u0632\u0627\u0626\u062f\u0629)) =40000 \u00d7 32% = 12800<\/p>\n

\u0644\u0630\u0644\u0643 \u064a\u062a\u0645 \u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0639\u0646 \u0627\u0644\u0645\u0635\u0631\u0648\u0641\u0627\u062a \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629 \u0644\u0623\u0646\u0647\u0627 \u0623\u0642\u0644 \u0645\u0646 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0639\u0646 \u0639\u062c\u0632 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0630\u064a \u062a\u0645 \u0627\u062c\u062a\u0646\u0627\u0628\u0647 (12800)<\/p>\n

\u0627\u0644\u0632\u064a\u0627\u062f\u0629 \u0641\u064a \u062a\u0643\u0627\u0644\u064a\u0641 \u0627\u0644\u062a\u0634\u063a\u064a\u0644 \u0628\u0639\u062f \u062a\u062e\u0641\u064a\u0636\u0647\u0627 = 12000 \u00d7 20800\/21800 = 11500<\/p>\n

\u0627\u0644\u062e\u0637\u0648\u0629 \u0627\u0644\u062b\u0627\u0644\u062b\u0629:<\/p>\n

\u0628\u062e\u0635\u0648\u0635 \u0627\u0644\u0648\u0641\u0648\u0631\u0627\u062a \u0641\u064a \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062b\u0627\u0628\u062a\u0629 \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627 \u0623\u062b\u0646\u0627\u0621 \u0645\u064f\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0639\u0642\u0628 \u062d\u0627\u062f\u062b \u0627\u0644\u062d\u0631\u064a\u0642 \u0648\u0642\u062f\u0631\u0647\u0627 1500 \u062c\u0646\u064a\u0647 \u060c\u060c \u064a\u062c\u0628 \u0637\u0631\u062d \u0647\u0630\u0647 \u0627\u0644\u0648\u0641\u0648\u0631\u0627\u062a \u0645\u0646 \u062d\u0627\u0635\u0644 \u062c\u0645\u0639 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0639\u0646 \u0627\u0644\u0639\u062c\u0632 \u0641\u064a \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0648\u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0639\u0646 \u0627\u0644\u0632\u064a\u0627\u062f\u0629 \u0641\u064a \u062a\u0643\u0627\u0644\u064a\u0641 \u0627\u0644\u062a\u0634\u063a\u064a\u0644 \u0628\u0639\u062f \u062a\u062e\u0641\u064a\u0636\u0647\u0627<\/p>\n

\u0644\u0630\u0627 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0630\u064a \u064a\u062c\u0628 \u0623\u0646 \u064a\u062f\u0641\u0639\u0647 \u0627\u0644\u0645\u0624\u0645\u0646 = 4800 + 11500\u2013 1500 = 14800 \u062c\u0646\u064a\u0647 \u0648\u0644\u0643\u0646 \u064a\u0637\u0628\u0642 \u0639\u0644\u064a\u0647 \u0642\u0627\u0639\u062f\u0629 \u0627\u0644\u0646\u0633\u0628\u064a\u0629<\/p>\n

\u0627\u0644\u062e\u0637\u0648\u0629 \u0627\u0644\u0631\u0627\u0628\u0639\u0629:<\/p>\n

\u0628\u062e\u0635\u0648\u0635 \u062a\u0637\u0628\u064a\u0642 \u0634\u0631\u0637 \u0627\u0644\u0646\u0633\u0628\u064a\u0629<\/p>\n

\u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0628\u0639\u062f \u062a\u0637\u0628\u064a\u0642 \u0627\u0644\u0646\u0633\u0628\u064a\u0629= 14800 \u00d7 20000\/20800 = 14230 \u062c\u0646\u064a\u0647<\/p>\n

\u0627\u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u0646\u0645\u0648\u0630\u062c\u064a\u0629 \u0644\u0648\u062b\u064a\u0642\u0629 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d<\/span><\/p>\n

\u0627\u0644\u0645\u0642\u062f\u0645\u0629 \u0623\u0648 \u0627\u0644\u0634\u0631\u0637 \u0627\u0644\u0627\u0641\u062a\u062a\u0627\u062d\u064a<\/span><\/p>\n

\u0625\u0646 \u0627\u0644\u0645\u0642\u062f\u0645\u0629 \u062a\u0631\u0633\u0645 \u062a\u0633\u0644\u0633\u0644 \u0627\u0644\u0623\u062d\u062f\u0627\u062b \u0627\u0644\u062a\u064a \u062a\u0624\u062f\u064a \u0625\u0644\u0649 \u062a\u0634\u063a\u064a\u0644 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0628\u0645\u0639\u0646\u0649 \u0627\u0633\u062a\u062c\u0627\u0628\u062a\u0647\u0627 \u0644\u0635\u0631\u0641 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u060c\u060c \u0641\u062a\u0646\u0635 \u0639\u0644\u0649 \u0623\u0646 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u064a\u062c\u0628 \u0623\u0648\u0644\u0627\u064b \u0623\u0646 \u064a\u0633\u062f\u062f \u0627\u0644\u0642\u0633\u0637 \u060c\u060c \u0648\u062a\u0646\u0635 \u0639\u0644\u0649 \u0623\u0646 \u0627\u0644\u0645\u0624\u0645\u0646 \u0633\u0648\u0641 \u064a\u062f\u0641\u0639 \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u062a\u064a \u062a\u0646\u0634\u0623 \u0645\u0646 \u062a\u0648\u0642\u0641 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0646\u062a\u064a\u062c\u0629 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u0627\u0644\u062a\u064a \u0623\u0635\u0627\u0628\u062a \u0627\u0644\u0645\u0628\u0627\u0646\u064a \u0648\u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0648\u0627\u0644\u062a\u064a \u0643\u0627\u0646 \u0633\u0628\u0628\u0647\u0627 \u062e\u0637\u0631 \u0645\u0624\u0645\u0646 \u0636\u062f\u0647 \u060c\u060c \u0648\u0647\u0630\u0627 \u064a\u0639\u0646\u064a \u0627\u0634\u062a\u0631\u0627\u0637 \u0648\u062c\u0648\u062f \u062a\u0623\u0645\u064a\u0646 \u062d\u0631\u064a\u0642 \u0633\u0627\u0631\u064a \u0641\u064a \u0648\u0642\u062a \u062d\u062f\u0648\u062b \u0647\u0630\u0647 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u064a\u063a\u0637\u064a \u0647\u0630\u0647 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0636\u062f \u0647\u0630\u0647 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u060c\u060c \u0648\u0623\u0646 \u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u064a\u0643\u0648\u0646 \u0628\u0639\u062f \u0627\u0644\u0627\u0639\u062a\u0631\u0627\u0641 \u0628\u0647\u0630\u0647 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629<\/p>\n

\u0627\u0644\u0623\u062e\u0637\u0627\u0631 \u0627\u0644\u0645\u063a\u0637\u0627\u0629 \u0628\u0627\u0644\u062a\u0623\u0645\u064a\u0646<\/span><\/p>\n

\u0648\u063a\u0627\u0644\u0628\u0627\u064b \u0645\u0627 \u062a\u0646\u0635 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0639\u0644\u0649 \u0623\u0646 \u0627\u0644\u0623\u062e\u0637\u0627\u0631 \u0627\u0644\u0645\u063a\u0637\u0627\u0629 \u0628\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0647\u064a \u0646\u0641\u0633\u0647\u0627 \u0627\u0644\u0623\u062e\u0637\u0627\u0631 \u0627\u0644\u0645\u0630\u0643\u0648\u0631\u0629 \u0628\u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642<\/p>\n

\u0634\u0631\u0637 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629<\/span><\/p>\n

\u0647\u0630\u0627 \u0627\u0644\u0634\u0631\u0637 \u064a\u0646\u0635 \u0639\u0644\u0649 \u0623\u0646 \u0635\u0631\u0641 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0628\u0645\u0648\u062c\u0628 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u064a\u0643\u0648\u0646 \u0645\u062a\u0648\u0642\u0641\u0627\u064b \u0639\u0644\u0649 \u0648\u062c\u0648\u062f \u0648\u062b\u064a\u0642\u0629 \u0623\u0636\u0631\u0627\u0631 \u0645\u0627\u062f\u064a\u0629 (\u0648\u0647\u064a \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642) \u0648\u0628\u0646\u0627\u0621 \u0639\u0644\u064a\u0647 \u0641\u0625\u0646 \u0634\u0631\u0648\u0637 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u0633\u0648\u0641 \u062a\u0637\u0628\u0642 \u0639\u0644\u0649 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0623\u064a\u0636\u0627\u064b \u060c\u060c \u0648\u0628\u0646\u0627\u0621 \u0639\u0644\u064a\u0647 \u0641\u0625\u0646 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0644\u0646 \u062a\u0635\u0631\u0641 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0625\u0644\u0627 \u0625\u0630\u0627 \u0643\u0627\u0646 \u0627\u0644\u062d\u0627\u062f\u062b \u0645\u063a\u0637\u0649 \u0628\u0645\u0648\u062c\u0628 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u060c\u060c \u0648\u0644\u0630\u0627 \u0641\u0625\u0646 \u0645\u0624\u0645\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d Profit insurer \u0633\u0648\u0641 \u064a\u062a\u0628\u0639 \u0645\u0624\u0645\u0646 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u0645\u0646 \u062d\u064a\u062b \u0645\u0639\u0631\u0641\u0629 \u0633\u0628\u0628 \u0627\u0644\u062d\u0631\u064a\u0642 \u0648\u0627\u0644\u062a\u062d\u0631\u064a\u0627\u062a \u060c\u060c \u0648\u0647\u0630\u0627 \u064a\u0648\u0641\u0631 \u0627\u0644\u0648\u0642\u062a \u0648\u0627\u0644\u062c\u0647\u062f \u060c\u060c \u0648\u0644\u0643\u0646 \u0641\u064a \u0627\u0644\u063a\u0627\u0644\u0628 \u0641\u0625\u0646 \u0645\u0624\u0645\u0646 \u0627\u0644\u062d\u0631\u064a\u0642 \u0648\u0647\u0648 \u0645\u0624\u0645\u0646 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u064a\u0643\u0648\u0646 \u0647\u0648 \u0646\u0641\u0633\u0647 \u0645\u0624\u0645\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u060c\u060c \u0648\u0639\u0646\u062f\u0645\u0627 \u064a\u062d\u062f\u062b \u0627\u0644\u062d\u0631\u064a\u0642 \u0641\u0625\u0646 \u0627\u0644\u0645\u0624\u0645\u0646 \u064a\u0648\u0627\u062c\u0647 \u062e\u0637\u0631\u064a\u0646 \u0647\u0645\u0627 \u062e\u0637\u0631 \u0627\u0644\u0628\u062f\u0627\u064a\u0629 inception risk \u0648\u062e\u0637\u0631 \u0627\u0644\u062a\u0648\u0642\u0641 interruption risk \u0648\u062e\u0637\u0631 \u0627\u0644\u0628\u062f\u0627\u064a\u0629 \u064a\u0634\u064a\u0631 \u0625\u0644\u0649 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u0644\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0646\u062a\u064a\u062c\u0629 \u062d\u0627\u062f\u062b \u062d\u0631\u064a\u0642 \u060c\u060c \u0648\u062e\u0637\u0631 \u0627\u0644\u062a\u0648\u0642\u0641 \u0647\u0648 \u062a\u0648\u0642\u0641 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0643\u0644\u064a\u0627\u064b \u0623\u0648 \u062c\u0632\u0626\u064a\u0627\u064b \u0627\u0644\u0630\u064a \u064a\u0623\u062a\u064a \u0628\u0639\u062f \u062d\u062f\u0648\u062b \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u0644\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u060c\u060c \u0645\u0639 \u0645\u0644\u0627\u062d\u0638\u0629 \u0648\u062c\u0648\u062f \u0639\u0644\u0627\u0642\u0629 \u0628\u064a\u0646 \u0647\u0630\u064a\u0646 \u0627\u0644\u062e\u0637\u0631\u064a\u0646 \u0641\u0643\u0644\u0645\u0627 \u0643\u0627\u0646 \u0627\u0644\u062d\u0631\u064a\u0642 \u0636\u062e\u0645\u0627\u064b \u0648\u0641\u0627\u062f\u062d\u0627\u064b \u0643\u0644\u0645\u0627 \u0632\u0627\u062f\u062a \u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u062a\u0648\u0642\u0641 .<\/p>\n

\u0634\u0631\u0637 \u0645\u0648\u0627\u0635\u0641\u0627\u062a \u0645\u0648\u0636\u0648\u0639 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 specifications clause<\/span><\/p>\n

\u0625\u0646 \u0627\u0644\u063a\u0631\u0636 \u0645\u0646 \u0634\u0631\u0637 \u0645\u0648\u0627\u0635\u0641\u0627\u062a \u0645\u0648\u0636\u0648\u0639 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0647\u0648 \u062a\u0639\u0631\u064a\u0641 \u0648\u062a\u062d\u062f\u064a\u062f \u0645\u0648\u0636\u0648\u0639 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 Subject Matter of insurance \u0648\u0643\u064a\u0641\u064a\u0629 \u062a\u062d\u062f\u064a\u062f \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u060c\u060c \u0641\u064a\u0646\u0635 \u0634\u0631\u0637 \u0627\u0644\u0645\u0648\u0627\u0635\u0641\u0627\u062a \u0639\u0644\u0649 \u0623\u0646 \u0627\u0644\u063a\u0631\u0636 \u0645\u0646 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0647\u0648 \u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0639\u0646 \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u062a\u064a \u062a\u0646\u0634\u0623 \u0645\u0646 \u0627\u0644\u0639\u062c\u0632 \u0641\u064a \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0648\u0643\u0630\u0644\u0643 \u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0639\u0646 \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629 \u0627\u0644\u062a\u064a \u064a\u0643\u0648\u0646 \u0642\u062f \u0635\u0631\u0641\u0647\u0627 \u0644\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0627\u0633\u062a\u0645\u0631\u0627\u0631\u064a\u0629 \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u060c\u060c \u0648\u0623\u0646 \u0645\u0648\u0636\u0648\u0639 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0647\u0648 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0648\u0644\u0643\u0646\u0647 \u0641\u0642\u0637 \u0635\u0627\u0641\u064a \u0627\u0644\u0631\u0628\u062d \u0645\u0636\u0627\u0641\u0627\u064b \u0625\u0644\u064a\u0647 \u0628\u0646\u0648\u062f \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062b\u0627\u0628\u062a\u0629 \u0627\u0644\u0645\u063a\u0637\u0627\u0629 \u0628\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u060c\u060c \u0648\u064a\u0644\u064a \u0634\u0631\u0637 \u0627\u0644\u0645\u0648\u0627\u0635\u0641\u0627\u062a \u062a\u0639\u0627\u0631\u064a\u0641 \u0623\u0633\u0627\u0633\u064a\u0629 \u0644\u064a\u0636\u0639 \u062a\u0639\u0627\u0631\u064a\u0641 \u0644\u0628\u0639\u0636 \u0627\u0644\u0645\u0635\u0637\u0644\u062d\u0627\u062a \u0645\u062b\u0644 \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0648\u0627\u0644\u0639\u062c\u0632 \u0641\u064a \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0648\u0645\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0648\u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0633\u0646\u0648\u064a \u0648\u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0627\u0644\u0645\u0639\u064a\u0627\u0631\u064a \u0648\u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0648\u0646\u0633\u0628\u0629 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u062e<\/p>\n

\u0634\u0631\u0637 \u0627\u0644\u062a\u062c\u0627\u0631\u0629 \u0627\u0644\u0628\u062f\u064a\u0644\u0629 Alternative Trading Clause<\/span><\/p>\n

\u064a\u0646\u0635 \u0647\u0630\u0627 \u0627\u0644\u0634\u0631\u0637 \u0639\u0644\u0649 \u0623\u0646\u0647 \u0625\u0630\u0627 \u0642\u0627\u0645 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0623\u0648 \u0645\u0646 \u064a\u0646\u0648\u0628\u0647 \u062e\u0644\u0627\u0644 \u0641\u062a\u0631\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0628\u0628\u064a\u0639 \u0627\u0644\u0633\u0644\u0639 \u0623\u0648 \u062a\u0642\u062f\u064a\u0645 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0641\u064a \u0645\u0643\u0627\u0646 \u0622\u062e\u0631 \u0628\u062e\u0644\u0627\u0641 \u0645\u0643\u0627\u0646 \u0627\u0644\u0645\u0624\u0633\u0633\u0629 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627 \u0641\u0625\u0646 \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u0645\u0646 \u0628\u064a\u0639 \u0647\u0630\u0647 \u0627\u0644\u0633\u0644\u0639 \u0648\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0630\u064a \u062a\u0645 \u0627\u0643\u062a\u0633\u0627\u0628\u0647 \u064a\u062c\u0628 \u0623\u0646 \u064a\u0624\u062e\u0630 \u0641\u064a \u0627\u0644\u062d\u0633\u0628\u0627\u0646 \u0644\u0644\u062a\u0648\u0635\u0644 \u0625\u0644\u0649 \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a \u062e\u0644\u0627\u0644 \u0641\u062a\u0631\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u060c\u060c<\/p>\n

\u0634\u0631\u0637 \u062a\u0633\u0648\u064a\u0629 \u0627\u0644\u0642\u0633\u0637 \u0623\u0648 \u0648\u062f\u064a\u0639\u0629 \u0627\u0644\u0642\u0633\u0637<\/span><\/p>\n

premium adjustment \/ deposit premium clause<\/p>\n

\u0648\u062b\u064a\u0642\u0629 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u062a\u0645\u0646\u062d \u062d\u0645\u0627\u064a\u0629 \u0644\u0641\u062a\u0631\u0629 \u062a\u0639\u0648\u064a\u0636 \u0645\u0633\u062a\u0642\u0628\u0644\u064a\u0629 \u0636\u062f \u0641\u0642\u062f \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u062e\u0644\u0627\u0644 \u0647\u0630\u0647 \u0627\u0644\u0641\u062a\u0631\u0629 \u060c\u060c \u0648\u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u064a\u0642\u0648\u0645 \u0628\u062a\u0642\u062f\u064a\u0631\u0647 \u0623\u0648 \u062a\u062d\u062f\u064a\u062f\u0647 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0646\u0641\u0633\u0647 \u060c\u060c \u0648\u0644\u0643\u0646\u0647 \u064a\u0645\u062b\u0644 \u0627\u0644\u062d\u062f \u0627\u0644\u0623\u0642\u0635\u0649 \u0644\u0645\u0633\u0626\u0648\u0644\u064a\u0629 \u0627\u0644\u0645\u0624\u0645\u0646 \u062e\u0644\u0627\u0644 \u0641\u062a\u0631\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u060c\u060c \u0644\u0630\u0627 \u064a\u062c\u0628 \u0623\u0646 \u064a\u0643\u0648\u0646 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0643\u0627\u0641\u064a \u0644\u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644\u064a\u0629 \u0648\u0644\u062a\u062c\u0646\u0628 \u062a\u0637\u0628\u064a\u0642 \u0634\u0631\u0637 \u0627\u0644\u0646\u0633\u0628\u064a\u0629 \u060c\u060c \u0648\u0642\u0633\u0637 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0647\u0648 \u062d\u0627\u0635\u0644 \u0636\u0631\u0628 \u0645\u0639\u062f\u0644 \u0627\u0644\u0642\u0633\u0637 \u0641\u064a \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 (\u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u062a\u0642\u062f\u064a\u0631\u064a) \u060c\u060c \u0648\u0639\u0646\u062f \u0643\u0644 \u062a\u062c\u062f\u064a\u062f \u0641\u0625\u0646 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u064a\u0628\u0644\u063a \u0627\u0644\u0645\u0624\u0645\u0646 \u0628\u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0641\u0639\u0644\u064a actual gross profit \u0627\u0644\u0630\u064a \u062a\u0645 \u0627\u0643\u062a\u0633\u0627\u0628\u0647 \u0641\u064a \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0623\u062e\u064a\u0631\u0629 \u060c\u060c \u0641\u0625\u0630\u0627 \u0643\u0627\u0646 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0641\u0639\u0644\u064a \u0623\u0642\u0644 \u0645\u0646 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u062a\u0642\u062f\u064a\u0631\u064a \u0641\u0625\u0646 \u0628\u0639\u0636 \u0627\u0644\u0648\u062b\u0627\u0626\u0642 \u062a\u0646\u0635 \u0639\u0644\u0649 \u0631\u062f \u0646\u0633\u0628\u0629 \u0645\u0639\u064a\u0646\u0629 \u0645\u0646 \u0627\u0644\u0642\u0633\u0637 \u0625\u0644\u0649 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647<\/p>\n

\u0634\u0631\u0637 \u0627\u0644\u0623\u0642\u0633\u0627\u0645 \u0623\u0648 \u0627\u0644\u0641\u0631\u0648\u0639 departmental clause<\/span><\/p>\n

\u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u0627\u0644\u0645\u0624\u0633\u0633\u0629 \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0644\u0647\u0627 \u0641\u0631\u0648\u0639 \u0623\u0648 \u0623\u0642\u0633\u0627\u0645 \u060c\u060c \u0648\u0643\u0644 \u0641\u0631\u0639 \u0644\u0647 \u062d\u0633\u0627\u0628\u0627\u062a\u0647 \u0627\u0644\u0645\u0633\u062a\u0642\u0644\u0629 \u060c\u060c \u0641\u0625\u0646 \u0645\u0637\u0627\u0644\u0628\u0627\u062a \u0641\u0642\u062f \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u062a\u0637\u0628\u0642 \u0628\u0635\u0641\u0629 \u0645\u0633\u062a\u0642\u0644\u0629 \u0644\u0643\u0644 \u0641\u0631\u0639 \u062a\u0623\u062b\u0631 \u0628\u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0625\u0630\u0627 \u0627\u062e\u062a\u0627\u0631 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0630\u0644\u0643<\/p>\n

\u0625\u062c\u0631\u0627\u0621\u0627\u062a \u062a\u0633\u0648\u064a\u0629 \u0645\u0637\u0627\u0644\u0628\u0629 \u0627\u0644\u0623\u0631\u0628\u0627\u062d<\/span><\/p>\n

\u0625\u0646 \u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0645\u0637\u0627\u0644\u0628\u0629 \u0641\u0642\u062f \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u062a\u0639\u0642\u0628 \u0625\u062c\u0631\u0627\u0621\u0627\u062a \u0645\u0637\u0627\u0644\u0628\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u060c\u060c \u0648\u0641\u064a \u0643\u0644 \u0627\u0644\u0623\u062d\u0648\u0627\u0644 \u0641\u0625\u0646 \u0627\u0633\u062a\u0643\u0645\u0627\u0644 \u0645\u0637\u0627\u0644\u0628\u0629 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0644\u0646 \u064a\u0643\u0648\u0646 \u0645\u0637\u0644\u0648\u0628\u0627\u064b \u062d\u062a\u0649 \u0627\u0646\u0642\u0636\u0627\u0621 30 \u064a\u0648\u0645\u0627\u064b \u0628\u0639\u062f \u0627\u0646\u062a\u0647\u0627\u0621 \u0641\u062a\u0631\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u060c\u060c \u0648\u0644\u0643\u0646 \u0644\u064a\u0633 \u0645\u0639\u0646\u0649 \u0630\u0644\u0643 \u0623\u0646 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0633\u0648\u0641 \u064a\u062c\u0644\u0633 \u0633\u0627\u0643\u062a\u0627\u064b \u062d\u062a\u0649 \u0627\u0646\u062a\u0647\u0627\u0621 \u0641\u062a\u0631\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u060c\u060c \u0628\u0644 \u064a\u062c\u0628 \u0639\u0644\u064a\u0647 \u0637\u0628\u0642\u0627\u064b \u0644\u0634\u0631\u0637 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0627\u062a \u0623\u0646 \u064a\u0628\u0630\u0644 \u0627\u0644\u0647\u0645\u0629 \u0627\u0644\u0645\u0639\u0642\u0648\u0644\u0629 \u0644\u0627\u0633\u062a\u0626\u0646\u0627\u0641 \u0627\u0644\u0646\u0634\u0627\u0637 \u060c\u060c \u0643\u0645\u0627 \u0623\u0646 \u0627\u0644\u0645\u0624\u0645\u0646 \u064a\u062a\u0639\u0647\u062f \u0628\u062f\u0641\u0639 \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u0625\u0636\u0627\u0641\u064a\u0629 \u0627\u0644\u0644\u0627\u0632\u0645\u0629 \u0644\u0630\u0644\u0643 \u0637\u0628\u0642\u0627\u064b \u0644\u0634\u0631\u0648\u0637 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0627\u062a .<\/p>\n

\u0648\u064a\u0642\u0648\u0645 \u0645\u0624\u0645\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0628\u062a\u0639\u064a\u064a\u0646 \u0645\u0633\u0648\u064a \u0627\u0644\u062e\u0633\u0627\u0626\u0631 loss adjustor \u0648\u0647\u0648 \u062e\u0628\u064a\u0631 \u0641\u064a \u062a\u0633\u0648\u064a\u0629 \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0648\u062a\u062d\u062f\u064a\u062f \u0642\u064a\u0645\u062a\u0647\u0627 \u060c\u060c \u0648\u064a\u0642\u0648\u0645 \u0645\u0633\u0648\u064a \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0628\u0632\u064a\u0627\u0631\u0629 \u0627\u0644\u0639\u0642\u0627\u0631 \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647 \u0648\u064a\u062a\u062e\u0630 \u0627\u0644\u062e\u0637\u0648\u0627\u062a \u0627\u0644\u0644\u0627\u0632\u0645\u0629 \u0644\u062c\u0639\u0644 \u0627\u0644\u0645\u0634\u0631\u0648\u0639 \u064a\u0633\u062a\u0623\u0646\u0641 \u0646\u0634\u0627\u0637\u0647 \u0648\u064a\u0642\u062f\u0645 \u062a\u0642\u0631\u064a\u0631 \u0645\u0628\u062f\u0626\u064a \u0625\u0644\u0649 \u0627\u0644\u0645\u0624\u0645\u0646 \u064a\u062d\u062a\u0648\u064a \u0639\u0644\u0649 \u062a\u0642\u062f\u064a\u0631\u0627\u062a \u0644\u0644\u062e\u0633\u0627\u0631\u0629 \u060c\u060c \u0648\u064a\u062c\u0628 \u0623\u0646 \u064a\u062a\u0623\u0643\u062f \u0645\u0633\u0648\u064a \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0645\u0646 \u0623\u0646 \u0627\u0644\u0639\u0642\u0627\u0631 \u0642\u062f \u062a\u0645 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u064a\u0647 \u0636\u062f \u0627\u0644\u062d\u0631\u064a\u0642 \u0648\u0623\u0646 \u0645\u0624\u0645\u0646 \u0627\u0644\u062d\u0631\u064a\u0642 \u0627\u0639\u062a\u0631\u0641 \u0628\u0645\u0633\u0626\u0648\u0644\u064a\u062a\u0647 \u0639\u0646 \u0627\u0644\u062d\u0627\u062f\u062b \u060c\u060c \u0643\u0645\u0627 \u064a\u062c\u0628 \u0623\u0646 \u064a\u062a\u0623\u0643\u062f \u0639\u0645\u0627 \u0625\u0630\u0627 \u0643\u0627\u0646 \u064a\u0648\u062c\u062f \u0648\u062b\u0627\u0626\u0642 \u0623\u0631\u0628\u0627\u062d \u0623\u062e\u0631\u0649 \u060c\u060c \u0648\u0645\u0627 \u0625\u0630\u0627 \u0643\u0627\u0646 \u0627\u0644\u0625\u064a\u062c\u0627\u0631 \u0642\u062f \u062a\u0645 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u064a\u0647 \u0636\u0645\u0646 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u062d\u062a\u0649 \u064a\u062a\u0645 \u0627\u0642\u062a\u0633\u0627\u0645 \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0628\u064a\u0646 \u0627\u0644\u0645\u0624\u0645\u0646\u064a\u0646 \u0627\u0644\u0645\u062e\u062a\u0644\u0641\u064a\u0646 \u060c\u060c \u0648\u0639\u0646\u062f\u0645\u0627 \u062a\u0646\u062a\u0647\u064a \u0641\u062a\u0631\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0641\u0625\u0646 \u0645\u0633\u0648\u064a \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0633\u0648\u0641 \u064a\u0637\u0644\u0628 \u0645\u0646 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0623\u0646 \u064a\u0642\u062f\u0645 \u0645\u0637\u0627\u0644\u0628\u062a\u0647 \u0648\u064a\u062f\u0639\u0645\u0647\u0627 \u0628\u0627\u0644\u0623\u0631\u0642\u0627\u0645 \u0648\u0627\u0644\u0645\u0633\u062a\u0646\u062f\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0624\u0643\u062f \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0645\u0637\u0644\u0648\u0628 \u060c\u060c \u0648\u0642\u062f \u064a\u0633\u062a\u0644\u0632\u0645 \u0627\u0644\u0623\u0645\u0631 \u0641\u062d\u0635 \u0627\u0644\u062f\u0641\u0627\u062a\u0631 \u0627\u0644\u0645\u062d\u0627\u0633\u0628\u064a\u0629 \u0644\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0628\u0627\u0644\u0627\u0633\u062a\u0639\u0627\u0646\u0629 \u0628\u0645\u062d\u0627\u0633\u0628\u064a\u0646 \u0645\u062d\u062a\u0631\u0641\u064a\u0646 \u060c\u060c \u0648\u0641\u064a \u0646\u0641\u0633 \u0627\u0644\u0648\u0642\u062a \u0641\u0625\u0646 \u0645\u0633\u0648\u064a \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u064a\u0643\u0648\u0646 \u0639\u0644\u0649 \u0627\u062a\u0635\u0627\u0644 \u0628\u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u064a\u062e\u0628\u0631\u0647 \u0628\u062a\u0637\u0648\u0631\u0627\u062a \u0627\u0644\u0628\u062d\u062b \u0648\u0627\u0644\u0645\u0646\u0627\u0642\u0634\u0627\u062a \u0645\u0639 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647<\/p>\n

\u0648\u0641\u064a \u0627\u0644\u0646\u0647\u0627\u064a\u0629 \u0641\u0625\u0646 \u0645\u0633\u0648\u064a \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u064a\u0642\u062f\u0645 \u0627\u0644\u062a\u0642\u0631\u064a\u0631 \u0627\u0644\u0646\u0647\u0627\u0626\u064a \u0625\u0644\u0649 \u0627\u0644\u0645\u0624\u0645\u0646 \u060c\u060c \u0641\u0625\u0630\u0627 \u0648\u0627\u0641\u0642 \u0627\u0644\u0645\u0624\u0645\u0646 \u0639\u0644\u0649 \u0627\u0644\u062a\u0633\u0648\u064a\u0629 \u0641\u0625\u0646\u0647 \u064a\u062d\u0631\u0631 \u0634\u064a\u0643 \u0644\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u060c\u060c \u0648\u064a\u062a\u0645 \u062a\u062e\u0641\u064a\u0636 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0641\u064a \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0628\u0642\u064a\u0645\u0629 \u0647\u0630\u0627 \u0627\u0644\u0645\u0628\u0644\u063a \u0627\u0644\u0645\u062f\u0641\u0648\u0639 \u062d\u062a\u0649 \u0623\u0648\u0644 \u062a\u0627\u0631\u064a\u062e \u062a\u062c\u062f\u064a\u062f \u0642\u0627\u062f\u0645<\/p>\n

\u0627\u0644\u0623\u0633\u0627\u0633 \u0627\u0644\u062b\u0646\u0627\u0626\u064a \u0644\u0644\u0623\u062c\u0648\u0631 Dual Basis Wages<\/span><\/p>\n

Dual basis payroll insurance<\/p>\n

\u0623\u0646 \u0627\u0644\u0639\u0645\u0627\u0644\u0629 \u062a\u0646\u0642\u0633\u0645 \u0625\u0644\u0649 \u0639\u0645\u0627\u0644\u0629 \u0645\u062f\u0631\u0628\u0629 \u0645\u0627\u0647\u0631\u0629 \u0644\u0627 \u064a\u0645\u0643\u0646 \u062a\u0633\u0631\u064a\u062d\u0647\u0627 \u0645\u062b\u0644 \u0642\u064a\u0627\u062f\u0627\u062a \u0627\u0644\u0634\u0631\u0643\u0629 \u060c\u060c \u0648\u0639\u0645\u0627\u0644\u0629 \u0639\u0627\u062f\u064a\u0629 \u064a\u0645\u0643\u0646 \u062a\u0633\u0631\u064a\u062d\u0647\u0627 \u0623\u0648 \u0625\u0642\u0627\u0644\u062a\u0647\u0627 (\u0641\u0635\u0644\u0647\u0627) \u0623\u062b\u0646\u0627\u0621 \u0641\u062a\u0631\u0629 \u0627\u0644\u062a\u0648\u0642\u0641 \u062d\u064a\u062b \u064a\u0645\u0643\u0646 \u0627\u0633\u062a\u0628\u062f\u0627\u0644\u0647\u0627 \u0628\u0639\u062f \u0627\u0633\u062a\u0626\u0646\u0627\u0641 \u0627\u0644\u0625\u0646\u062a\u0627\u062c \u0628\u0633\u0647\u0648\u0644\u0629 \u060c\u060c \u0648\u0623\u062c\u0648\u0631 \u0627\u0644\u0639\u0645\u0627\u0644\u0629 \u0627\u0644\u062a\u064a \u0644\u0627 \u064a\u0645\u0643\u0646 \u0627\u0644\u0627\u0633\u062a\u063a\u0646\u0627\u0621 \u0639\u0646\u0647\u0627 \u0623\u0648 \u0644\u0627 \u064a\u0645\u0643\u0646 \u062a\u0633\u0631\u064a\u062d\u0647\u0627 \u062a\u0639\u062a\u0628\u0631 \u0645\u0646 \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062b\u0627\u0628\u062a\u0629 \u0648\u062a\u062f\u0631\u062c \u0636\u0645\u0646 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0628\u0646\u0641\u0633 \u0637\u0631\u064a\u0642\u0629 \u0625\u062f\u0631\u0627\u062c \u0627\u0644\u0645\u0631\u062a\u0628\u0627\u062a \u0627\u0644\u062b\u0627\u0628\u062a\u0629 \u0644\u0644\u0645\u0633\u0626\u0648\u0644 \u0627\u0644\u0631\u0626\u064a\u0633\u064a \u0648\u0627\u0644\u0645\u0648\u0638\u0641\u064a\u0646 \u0627\u0644\u0645\u0647\u0645\u064a\u0646 \u0628\u0627\u0644\u0634\u0631\u0643\u0629 \u0636\u0645\u0646 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0641\u0644\u0627 \u062a\u0638\u0647\u0631 \u0641\u064a \u0642\u0627\u0626\u0645\u0629 \u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062a\u0634\u063a\u064a\u0644 \u0627\u0644\u0645\u062d\u062f\u062f\u0629 \u060c\u060c \u0623\u0645\u0627 \u0623\u062c\u0648\u0631 \u0627\u0644\u0639\u0645\u0627\u0644\u0629 \u0627\u0644\u0639\u0627\u062f\u064a\u0629 \u0627\u0644\u062a\u064a \u064a\u0645\u0643\u0646 \u0627\u0644\u0627\u0633\u062a\u063a\u0646\u0627\u0621 \u0639\u0646\u0647\u0627 \u0641\u0625\u0646\u0647\u0627 \u062a\u062f\u062e\u0644 \u0641\u064a \u0642\u0627\u0626\u0645\u0629 \u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u062a\u0634\u063a\u064a\u0644 \u0627\u0644\u0645\u062d\u062f\u062f\u0629 \u060c\u060c \u0648\u0628\u0630\u0644\u0643 \u062a\u0639\u062a\u0628\u0631 \u0645\u0635\u0627\u0631\u064a\u0641 \u063a\u064a\u0631 \u0645\u0624\u0645\u0646 \u0639\u0644\u064a\u0647\u0627 \u064a\u0639\u0646\u064a \u062a\u0633\u062a\u0628\u0639\u062f \u0645\u0646 \u0645\u0628\u0644\u063a \u062a\u0623\u0645\u064a\u0646 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u060c\u060c \u0648\u0645\u0639 \u0630\u0644\u0643 \u0641\u0625\u0646 \u0641\u062a\u0631\u0629 \u062b\u0644\u0627\u062b\u0629 \u0634\u0647\u0648\u0631 \u062a\u0639\u062a\u0628\u0631 \u0641\u062a\u0631\u0629 \u062a\u0648\u0642\u0641 \u0642\u0635\u064a\u0631\u0629 \u0648\u0642\u062f \u064a\u062a\u0637\u0644\u0628 \u0627\u0644\u0642\u0627\u0646\u0648\u0646 \u062f\u0641\u0639 \u0623\u062c\u0648\u0631 \u0639\u0646 \u0647\u0630\u0647 \u0627\u0644\u0641\u062a\u0631\u0629<\/p>\n

* \u0634\u0631\u0637 \u0627\u0644\u0623\u0633\u0627\u0633 \u0627\u0644\u062b\u0646\u0627\u0626\u064a \u0644\u0644\u0623\u062c\u0648\u0631 \u0647\u0648 \u062a\u0623\u0645\u064a\u0646 \u0625\u062c\u0645\u0627\u0644\u064a \u0627\u0644\u0623\u062c\u0648\u0631 \u0644\u0644\u0639\u0645\u0627\u0644\u0629 \u0627\u0644\u0639\u0627\u062f\u064a\u0629 \u0623\u0648 \u0627\u0644\u0645\u0648\u0633\u0645\u064a\u0629 \u0628\u0645\u0648\u062c\u0628\u0629 \u064a\u062a\u0645 \u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0623\u062c\u0648\u0631 \u0628\u0646\u0633\u0628\u0629 100% \u062e\u0644\u0627\u0644 \u0627\u0644\u0641\u062a\u0631\u0629 \u0627\u0644\u0623\u0648\u0644\u0649 \u0645\u0646 \u0645\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0648\u064a\u0637\u0644\u0642 \u0639\u0644\u064a\u0647\u0627 \u0627\u0644\u0641\u062a\u0631\u0629 \u0627\u0644\u0645\u0628\u062f\u0626\u064a\u0629 \u0628\u062a\u0623\u0645\u064a\u0646 \u0643\u0627\u0645\u0644 \u0627\u0644\u0623\u062c\u0648\u0631 initial period of full wage cover \u0648\u0642\u0648\u0627\u0645\u0647\u0627 12 \u0623\u0633\u0628\u0648\u0639\u0627\u064b \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u060c\u060c \u064a\u0639\u0642\u0628\u0647\u0627 \u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0623\u062c\u0648\u0631 \u0628\u0646\u0633\u0628\u0629 40% \u062e\u0644\u0627\u0644 \u0627\u0644\u0641\u062a\u0631\u0629 \u0627\u0644\u062b\u0627\u0646\u064a\u0629 \u0645\u0646 \u0645\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0648\u064a\u0637\u0644\u0642 \u0639\u0644\u064a\u0647\u0627 \u0627\u0644\u0641\u062a\u0631\u0629 \u0627\u0644\u0645\u062a\u0628\u0642\u064a\u0629 \u0648\u0642\u0648\u0627\u0645\u0647\u0627 40 \u0623\u0633\u0628\u0648\u0639\u0627\u064b \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u060c\u060c \u0648\u0642\u062f \u064a\u062d\u062a\u0648\u064a \u0634\u0631\u0637 \u0627\u0644\u0623\u0633\u0627\u0633 \u0627\u0644\u062b\u0646\u0627\u0626\u064a \u0644\u0644\u0623\u062c\u0648\u0631 \u0639\u0644\u0649 \u0627\u062e\u062a\u064a\u0627\u0631 \u062a\u0648\u062d\u064a\u062f \u0627\u0644\u0645\u062f\u062a\u064a\u0646 \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u062f\u0641\u0639 \u0643\u0627\u0645\u0644 \u0627\u0644\u0623\u062c\u0648\u0631 \u0644\u0645\u062f\u0629 28 \u0623\u0633\u0628\u0648\u0639\u0627\u064b<\/p>\n

\u0648\u0639\u0646\u062f\u0645\u0627 \u064a\u062a\u0645 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0623\u0633\u0627\u0633 \u0627\u0644\u062b\u0646\u0627\u0626\u064a \u0644\u0644\u0623\u062c\u0648\u0631 \u064a\u062c\u0628 \u0627\u0633\u062a\u0628\u0639\u0627\u062f \u0627\u0644\u0623\u062c\u0648\u0631 \u0627\u0644\u062a\u064a \u062a\u0643\u0648\u0646 \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u062b\u0646\u0627\u0626\u064a \u0645\u0646 \u0645\u0628\u0644\u063a \u062a\u0623\u0645\u064a\u0646 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u062d\u064a\u062b \u064a\u0645\u0643\u0646 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0639\u0644\u0649 \u0647\u0630\u0647 \u0627\u0644\u0623\u062c\u0648\u0631 \u062a\u062d\u062a \u0628\u0646\u062f \u0645\u0633\u062a\u0642\u0644 \u0628\u0645\u0628\u0644\u063a \u062a\u0623\u0645\u064a\u0646 \u0645\u0633\u062a\u0642\u0644 \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u0645\u0646\u062d \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 (\u0635\u0627\u062d\u0628 \u0627\u0644\u0639\u0645\u0644) \u062a\u063a\u0637\u064a\u0629 \u0643\u0627\u0645\u0644\u0629 \u0641\u064a \u0627\u0644\u062c\u0632\u0621 \u0627\u0644\u0623\u0648\u0644 \u0645\u0646 \u0641\u062a\u0631\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0648\u0645\u0646\u062d\u0647 \u062a\u063a\u0637\u064a\u0629 \u0645\u062d\u062f\u0648\u062f\u0629 \u0641\u064a \u0627\u0644\u062c\u0632\u0621 \u0627\u0644\u0623\u062e\u064a\u0631 \u0645\u0646 \u0641\u062a\u0631\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636<\/p>\n

\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u0645\u062d\u0627\u0633\u0628\u064a\u0646 Professional accountants charges<\/span><\/p>\n

\u062a\u0643\u0644\u0641\u0629 \u0625\u062b\u0628\u0627\u062a \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0629 \u062a\u0643\u0648\u0646 \u0639\u0644\u0649 \u0639\u0627\u062a\u0642 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0648\u0645\u0639 \u0630\u0644\u0643 \u0645\u0646 \u0627\u0644\u0645\u0645\u0643\u0646 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0636\u0645\u0646 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0639\u0644\u0649 \u0623\u062a\u0639\u0627\u0628 \u0627\u0644\u0645\u062d\u0627\u0633\u0628\u064a\u0646 \u0627\u0644\u0630\u064a\u0646 \u064a\u0642\u0648\u0645\u0648\u0646 \u0628\u0627\u0633\u062a\u062e\u0631\u0627\u062c \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0645\u0646 \u0627\u0644\u062f\u0641\u0627\u062a\u0631 \u0627\u0644\u0645\u062d\u0627\u0633\u0628\u064a\u0629 \u0648\u0643\u062a\u0627\u0628\u0629 \u0627\u0644\u062a\u0642\u0627\u0631\u064a\u0631 \u0627\u0644\u0644\u0627\u0632\u0645\u0629 \u0639\u0646 \u0627\u0644\u062a\u0648\u0642\u0641 \u060c\u060c \u0648\u062a\u0639\u062a\u0628\u0631 \u0647\u0630\u0647 \u0627\u0644\u0623\u062a\u0639\u0627\u0628 \u0628\u0646\u062f \u0645\u0646 \u0628\u0646\u0648\u062f \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0623\u0631\u0628\u0627\u062d .
\n\u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0627\u0644\u062a\u0628\u0639\u064a\u0629 \u0627\u0644\u062a\u064a \u0644\u0627 \u062a\u0636\u0645\u0646\u0647\u0627 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0623\u0631\u0628\u0627\u062d<\/span><\/p>\n

\u0625\u0646 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u0645\u0648\u062c\u0628 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u064a\u0633\u0645\u0649 \u0623\u062d\u064a\u0627\u0646\u0627\u064b \u0628\u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u062a\u0628\u0639\u064a\u0629 Consequential loss \u0648\u0644\u0645\u0627 \u0643\u0627\u0646 \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u062a\u0628\u0639\u064a\u0629 \u062a\u0646\u0642\u0633\u0645 \u0625\u0644\u0649 \u0623\u0646\u0648\u0627\u0639 \u0645\u062a\u0639\u062f\u062f\u0629 \u060c\u060c \u0644\u0630\u0627 \u064a\u062c\u0628 \u0623\u0646 \u0646\u0639\u0631\u0641 \u0623\u0646 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0644\u0627 \u062a\u063a\u0637\u064a \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0627\u0644\u062a\u0628\u0639\u064a\u0629 \u0627\u0644\u062a\u0627\u0644\u064a\u0629 :<\/p>\n

1 \u0640 \u0646\u0642\u0635 \u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u062e\u0632\u0648\u0646 \u0628\u0639\u062f \u0627\u0644\u062d\u0631\u064a\u0642<\/p>\n

2 \u0640 \u0627\u0644\u0641\u0631\u0642 \u0628\u064a\u0646 \u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0645\u062e\u0632\u0648\u0646 \u0641\u064a \u0648\u0642\u062a \u0627\u0644\u062d\u0631\u064a\u0642 \u0648\u062a\u0643\u0644\u0641\u0629 \u0627\u0633\u062a\u0628\u062f\u0627\u0644\u0647<\/p>\n

3 \u0640 \u062a\u0643\u0644\u0641\u0629 \u0625\u062b\u0628\u0627\u062a \u0645\u0637\u0627\u0644\u0628\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u0623\u0648 \u0645\u0637\u0627\u0644\u0628\u0629 \u0627\u0644\u0623\u0631\u0628\u0627\u062d<\/p>\n

4 \u0640 \u0627\u0644\u0641\u0634\u0644 \u0641\u064a \u062a\u062d\u0635\u064a\u0644 \u0627\u0644\u062f\u064a\u0648\u0646 \u0646\u062a\u064a\u062c\u0629 \u062a\u0644\u0641 \u0627\u0644\u0633\u062c\u0644\u0627\u062a<\/p>\n

5 \u0640 \u0627\u0644\u0645\u0633\u0626\u0648\u0644\u064a\u0629 \u0627\u0644\u0645\u062f\u0646\u064a\u0629 \u0628\u0633\u0628\u0628 \u0627\u0644\u062d\u0631\u064a\u0642<\/p>\n

6 \u0640 \u0641\u0642\u062f \u0634\u0647\u0631\u0629 \u0627\u0644\u0645\u062d\u0644<\/p>\n

7 \u0640 \u0627\u0644\u0645\u0635\u0627\u0631\u064a\u0641 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629<\/p>\n

\u0645\u0635\u0637\u0644\u062d\u0627\u062a<\/span><\/p>\n

\u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0627\u0644\u062a\u0628\u0639\u064a\u0629 Consequential Losses<\/span><\/p>\n

1 \u0640 \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0627\u0644\u063a\u064a\u0631 \u0645\u0628\u0627\u0634\u0631\u0629 \u064a\u0637\u0644\u0642 \u0639\u0644\u064a\u0647\u0627 \u062e\u0633\u0627\u0626\u0631 \u062a\u0628\u0639\u064a\u0629 \u0648\u0647\u064a \u062e\u0633\u0627\u0631\u0629 \u0644\u0645 \u062a\u0642\u0639 \u0645\u0628\u0627\u0634\u0631\u0629 \u0646\u062a\u064a\u062c\u0629 \u062a\u062d\u0642\u0642 \u0627\u0644\u062e\u0637\u0631 \u0627\u0644\u0645\u0624\u0645\u0646 \u0636\u062f\u0647 (\u0646\u062a\u064a\u062c\u0629 \u0627\u0644\u062d\u0627\u062f\u062b \u0646\u0641\u0633\u0647) \u060c\u060c \u0648\u0644\u0643\u0646\u0647\u0627 \u0643\u0627\u0646\u062a \u0646\u062a\u064a\u062c\u0629 \u0644\u062e\u0633\u0627\u0631\u0629 \u0645\u0628\u0627\u0634\u0631\u0629 \u0623\u0648 \u062a\u0631\u062a\u0628\u062a \u0639\u0644\u0649 \u062e\u0633\u0627\u0631\u0629 \u0645\u0628\u0627\u0634\u0631\u0629 \u060c\u060c \u0648\u0627\u0644\u0623\u0645\u062b\u0644\u0629 \u0639\u0644\u0649 \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0627\u0644\u063a\u064a\u0631 \u0645\u0628\u0627\u0634\u0631\u0629 \u0627\u0644\u062a\u064a \u064a\u0637\u0644\u0642 \u0639\u0644\u064a\u0647\u0627 \u062e\u0633\u0627\u0626\u0631 \u062a\u0628\u0639\u064a\u0629 \u0647\u064a \u0641\u0642\u062f \u0627\u0644\u0623\u0631\u0628\u0627\u062d (\u062a\u0648\u0642\u0641 \u0627\u0644\u0623\u0639\u0645\u0627\u0644) \u0648\u0641\u0642\u062f \u0627\u0644\u0625\u064a\u062c\u0627\u0631 \u0648\u0627\u0644\u0645\u0633\u0626\u0648\u0644\u064a\u0629 \u0627\u0644\u0645\u062f\u0646\u064a\u0629 \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0645\u0646 \u0627\u0644\u062d\u0631\u064a\u0642 \u060c\u060c \u0648\u0641\u0642\u062f \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0623\u0648 \u0641\u0642\u062f \u0627\u0644\u0625\u064a\u062c\u0627\u0631 \u064a\u0646\u0634\u0623 \u0645\u0646 \u0639\u062f\u0645 \u0642\u062f\u0631\u0629 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0639\u0644\u0649 \u0627\u0633\u062a\u0639\u0645\u0627\u0644 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0628\u0639\u062f \u062d\u0627\u062f\u062b \u0627\u0644\u062d\u0631\u064a\u0642 \u0644\u0641\u062a\u0631\u0629 \u0637\u0648\u064a\u0644\u0629 \u0645\u0646 \u0627\u0644\u0632\u0645\u0646.<\/p>\n

\u0639\u0644\u0649 \u0639\u0643\u0633 \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u0645\u0628\u0627\u0634\u0631\u0629 \u0627\u0644\u062a\u064a \u062a\u0643\u0648\u0646 \u0641\u062c\u0627\u0626\u064a\u0629 \u0641\u064a \u0644\u062d\u0638\u0629 \u0645\u0646 \u0627\u0644\u0632\u0645\u0646 \u060c\u060c \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u0627\u062d\u062a\u0631\u0627\u0642 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0647\u0648 \u062e\u0633\u0627\u0631\u0629 \u0645\u0627\u062f\u064a\u0629 \u0645\u0628\u0627\u0634\u0631\u0629 direct physical loss \u0644\u062a\u062d\u0642\u0642 \u062e\u0637\u0631 \u0627\u0644\u062d\u0631\u064a\u0642 \u060c\u060c \u0648\u062a\u0644\u0641 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0628\u0633\u0628\u0628 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0645\u064a\u0627\u0647 \u0644\u0625\u0637\u0641\u0627\u0621 \u0627\u0644\u062d\u0631\u064a\u0642 \u0623\u0648 \u0628\u0633\u0628\u0628 \u0627\u0644\u062f\u062e\u0627\u0646 \u0627\u0644\u0645\u062a\u0635\u0627\u0639\u062f \u0645\u0646 \u0627\u0644\u062d\u0631\u064a\u0642 \u062a\u0639\u062a\u0628\u0631 \u0623\u064a\u0636\u0627\u064b \u062e\u0633\u0627\u0631\u0629 \u0645\u0627\u062f\u064a\u0629 \u0645\u0628\u0627\u0634\u0631\u0629 \u0644\u0623\u0646 \u0627\u0644\u062d\u0631\u064a\u0642 \u0647\u0648 \u0627\u0644\u0633\u0628\u0628 \u0627\u0644\u0642\u0631\u064a\u0628 \u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u060c\u060c \u0648 \u0627\u0644\u0633\u0628\u0628 \u0627\u0644\u0642\u0631\u064a\u0628 \u064a\u0639\u0646\u064a \u0633\u0644\u0633\u0644\u0629 \u0645\u0646 \u0627\u0644\u062d\u0648\u0627\u062f\u062b \u0628\u064a\u0646 \u0648\u0642\u0648\u0639 \u0627\u0644\u062e\u0637\u0631 \u0627\u0644\u0645\u063a\u0637\u0649 \u0628\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u0627\u0644\u0636\u0631\u0631 \u062f\u0648\u0646 \u0623\u0646 \u064a\u062a\u0645 \u0642\u0637\u0639\u0647\u0627 \u0628\u062a\u062f\u062e\u0644 \u0639\u0627\u0645\u0644 \u062e\u0627\u0631\u062c\u064a \u060c\u060c \u0628\u064a\u0646\u0645\u0627 \u0641\u0642\u062f \u0627\u0644\u0625\u064a\u062c\u0627\u0631 \u0648 \u0641\u0642\u062f \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0646\u062a\u064a\u062c\u0629 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u0627\u0644\u0646\u0627\u0634\u0626\u0629 \u0645\u0646 \u0627\u0644\u062d\u0631\u064a\u0642 \u0647\u0645\u0627 \u062e\u0633\u0627\u0631\u0629 \u062a\u0628\u0639\u064a\u0629 \u063a\u064a\u0631 \u0645\u0628\u0627\u0634\u0631\u0629 \u060c\u060c \u0648\u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0644\u0644\u062b\u0644\u0627\u062c\u0629 \u0628\u0633\u0628\u0628 \u062d\u0627\u062f\u062b \u0645\u062b\u0644 \u0634\u062f\u0629 \u0627\u0644\u062a\u064a\u0627\u0631 \u0627\u0644\u0643\u0647\u0631\u0628\u0627\u0626\u064a \u062a\u0639\u062a\u0628\u0631 \u062e\u0633\u0627\u0631\u0629 \u0645\u0628\u0627\u0634\u0631\u0629 \u0623\u0645\u0627 \u062a\u0639\u0641\u0646 \u0627\u0644\u0645\u0648\u0627\u062f \u0627\u0644\u063a\u0630\u0627\u0626\u064a\u0629 \u0627\u0644\u062a\u064a \u0628\u062f\u0627\u062e\u0644 \u0627\u0644\u062b\u0644\u0627\u062c\u0629 \u0644\u062a\u0648\u0642\u0641\u0647\u0627 \u0639\u0646 \u0627\u0644\u0639\u0645\u0644 \u064a\u0639\u062a\u0628\u0631 \u062e\u0633\u0627\u0631\u0629 \u063a\u064a\u0631 \u0645\u0628\u0627\u0634\u0631\u0629 \u0623\u0648 \u0636\u0631\u0631 \u063a\u064a\u0631 \u0645\u0628\u0627\u0634\u0631 indirect damage \u0623\u0648 \u0623\u0636\u0631\u0627\u0631 \u062a\u0628\u0639\u064a\u0629 Consequential Damage<\/p>\n

\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 material damage insurance<\/span><\/p>\n

\u062a\u0623\u0645\u064a\u0646 \u0636\u062f \u0647\u0644\u0627\u0643 \u0623\u0648 \u062a\u0644\u0641 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0628\u0633\u0628\u0628 \u062e\u0637\u0631 \u0645\u0624\u0645\u0646 \u0636\u062f\u0647 \u060c\u060c \u0648\u0647\u0630\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u064a\u063a\u0637\u064a \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u0627\u0644\u0645\u0628\u0627\u0634\u0631\u0629 \u0644\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0639\u0644\u0649 \u0639\u0643\u0633 \u062a\u0623\u0645\u064a\u0646 \u0641\u0642\u062f \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0627\u0644\u0630\u064a \u064a\u063a\u0637\u064a \u0627\u0644\u062e\u0633\u0627\u0626\u0631 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0645\u062b\u0644 \u0627\u0644\u0639\u062c\u0632 \u0641\u064a \u062f\u062e\u0644 \u0627\u0644\u0645\u0628\u064a\u0639\u0627\u062a<\/p>\n

\u0634\u0631\u0637 \u0627\u0644\u062a\u0644\u0641 \u0627\u0644\u0645\u0627\u062f\u064a material damage proviso<\/span><\/p>\n

\u0634\u0631\u0637 \u064a\u0631\u062f \u0641\u064a \u0648\u062b\u064a\u0642\u0629 \u062a\u0623\u0645\u064a\u0646 \u0641\u0642\u062f \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u060c\u060c \u0648\u064a\u0646\u0635 \u0639\u0644\u0649 \u0623\u0646 \u0645\u0624\u0645\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u064a\u0643\u0648\u0646 \u0645\u0633\u0626\u0648\u0644\u0627\u064b \u0641\u0642\u0637 \u0625\u0630\u0627 \u0627\u0639\u062a\u0631\u0641 \u0623\u0648 \u062f\u0641\u0639 \u0645\u0624\u0645\u0646 \u0627\u0644\u062a\u0644\u0641 \u0627\u0644\u0645\u0627\u062f\u064a \u0645\u0637\u0627\u0644\u0628\u0629 \u0627\u0644\u062a\u0644\u0641 \u0627\u0644\u0645\u0627\u062f\u064a \u0627\u0644\u062a\u064a \u062a\u0633\u0628\u0628\u062a \u0641\u064a \u062a\u0648\u0642\u0641 \u0627\u0644\u0623\u0639\u0645\u0627\u0644<\/p>\n

\u0634\u0631\u0637 \u0646\u0633\u0628\u0629 \u0645\u0646 \u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 Percentage of fire loss<\/span><\/p>\n

\u0625\u0646 \u0647\u0630\u0627 \u0627\u0644\u0634\u0631\u0637 \u0647\u0648 \u0634\u0643\u0644 \u0642\u062f\u064a\u0645 \u0645\u0646 \u0627\u0644\u063a\u0637\u0627\u0621 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a \u0644\u0641\u0642\u062f \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u060c\u060c \u062d\u064a\u062b \u0643\u0627\u0646 \u064a\u0639\u0648\u0636 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0639\u0646 \u0641\u0642\u062f \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0639\u0642\u0628 \u062d\u0627\u062f\u062b \u062d\u0631\u064a\u0642 \u060c\u060c \u0648\u0644\u0643\u0646 \u0628\u0637\u0631\u064a\u0642\u0629 \u0633\u0647\u0644\u0629 \u0648\u0645\u0628\u0633\u0637\u0629 \u060c\u060c \u0641\u0628\u0645\u0648\u062c\u0628 \u0647\u0630\u0647 \u0627\u0644\u0637\u0631\u064a\u0642\u0629 \u0633\u062a\u062f\u0641\u0639 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 30% \u0645\u0646 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0645\u0633\u062a\u062d\u0642 \u0639\u0646 \u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0643\u062a\u0639\u0648\u064a\u0636 \u0639\u0646 \u0641\u0642\u062f \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u060c\u060c \u0628\u0645\u0639\u0646\u0649 \u0623\u0646 \u0646\u0633\u0628\u0629 \u0627\u0644\u064030% \u062a\u0645\u062b\u0644 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0639\u0646 \u0641\u0642\u062f \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u060c\u060c \u0648\u0628\u0646\u0627\u0621 \u0639\u0644\u0649 \u0630\u0644\u0643 \u0641\u0625\u0646 \u0645\u0628\u0644\u063a \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u0633\u0648\u0641 \u064a\u0632\u062f\u0627\u062f \u0623\u064a\u0636\u0627\u064b \u0628\u0646\u0633\u0628\u0629 30%<\/p>\n

\u0648\u0631\u063a\u0645\u0627\u064b \u0645\u0646 \u0623\u0646 \u0637\u0631\u064a\u0642\u0629 \u0646\u0633\u0628\u0629 \u0645\u0646 \u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u062a\u0639\u062a\u0628\u0631 \u0634\u0643\u0644 \u0645\u0628\u0633\u0637 \u0648\u0633\u0647\u0644 \u0627\u0644\u0641\u0647\u0645 \u0644\u062d\u0633\u0627\u0628 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0627\u0644\u0645\u0641\u0642\u0648\u062f\u0629 \u060c\u060c \u0625\u0644\u0627 \u0623\u0646\u0647\u0627 \u064a\u0639\u0627\u0628 \u0639\u0644\u064a\u0647\u0627 \u0623\u0646\u0647\u0627 \u0644\u0627 \u062a\u0634\u0643\u0644 \u062a\u0639\u0648\u064a\u0636 \u062d\u0642\u064a\u0642\u064a \u064a\u062e\u0636\u0639 \u0644\u0645\u0628\u062f\u0623 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u0633\u0644\u064a\u0645 \u060c\u060c \u0628\u0645\u0639\u0646\u0649 \u0623\u0646 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0645\u062f\u0641\u0648\u0639 \u0644\u0627 \u064a\u0645\u062b\u0644 \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0627\u0644\u062d\u0642\u064a\u0642\u064a\u0629 \u0639\u0646 \u0641\u0642\u062f \u0627\u0644\u0623\u0631\u0628\u0627\u062d<\/p>\n

\u0627\u0644\u0623\u0633\u0627\u0633 \u0627\u0644\u0645\u0631\u062a\u0628\u0637 \u0628\u0627\u0644\u0625\u0642\u0631\u0627\u0631\u0627\u062a declaration linked basis<\/span><\/p>\n

\u062a\u0623\u0645\u064a\u0646 \u0641\u0642\u062f \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0642\u062f \u064a\u0643\u0648\u0646 \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0633\u0646\u0648\u064a \u0627\u0644\u062a\u0642\u062f\u064a\u0631\u064a \u0639\u0646 \u0645\u062f\u0629 \u062a\u0639\u0648\u064a\u0636 \u0642\u0635\u0648\u0649 \u062a\u0633\u0627\u0648\u064a 12 \u0634\u0647\u0631\u0627\u064b \u0623\u0648 \u0623\u0642\u0644 (\u0623\u0648 \u0645\u0636\u0627\u0639\u0641\u0627\u062a\u0647 \u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u0645\u062f\u0629 \u0627\u0644\u062a\u0639\u0648\u064a\u0636 \u0627\u0644\u0642\u0635\u0648\u0649 \u0623\u0643\u062b\u0631 \u0645\u0646 \u0633\u0646\u0629) \u060c\u060c \u0648\u0637\u0628\u0642\u0627\u064b \u0644\u0644\u0623\u0633\u0627\u0633 \u0627\u0644\u0645\u0631\u062a\u0628\u0637 \u0628\u0627\u0644\u0625\u0642\u0631\u0627\u0631\u0627\u062a \u0644\u0627 \u062a\u0637\u0628\u0642 \u0642\u0627\u0639\u062f\u0629 \u0627\u0644\u0646\u0633\u0628\u064a\u0629 \u060c\u060c \u0644\u0623\u0646 \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0633\u0648\u0641 \u064a\u0642\u062f\u0645 \u0625\u0642\u0631\u0627\u0631\u0627\u062a \u0639\u0646 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0641\u0639\u0644\u064a \u0641\u064a \u0646\u0647\u0627\u064a\u0629 \u0645\u062f\u0629 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u060c\u060c \u0648\u064a\u062a\u0645 \u062a\u0633\u0648\u064a\u0629 \u0627\u0644\u0642\u0633\u0637 \u0639\u0644\u0649 \u0623\u0633\u0627\u0633 \u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0641\u0639\u0644\u064a<\/p>\n

\u0634\u0631\u0637 \u0627\u0644\u0632\u064a\u0627\u062f\u0629 \u0648 \u0627\u0644\u0646\u0642\u0635 increase and decrease clause<\/span><\/p>\n

\u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0642\u062f \u062a\u062d\u062a\u0648\u064a \u0639\u0644\u0649 \u0645\u0628\u0644\u063a \u062a\u0623\u0645\u064a\u0646 \u0625\u0636\u0627\u0641\u064a \u064a\u0639\u0627\u062f\u0644 30% \u0645\u0646 \u0645\u0628\u0644\u063a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0633\u0627\u0633\u064a \u0641\u064a \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u060c\u060c \u0648\u0641\u064a \u0646\u0647\u0627\u064a\u0629 \u0645\u062f\u0629 \u0627\u0644\u0648\u062b\u064a\u0642\u0629 \u064a\u062a\u0645 \u062a\u0633\u0648\u064a\u0629 \u0627\u0644\u0642\u0633\u0637 \u0637\u0628\u0642\u0627\u064b \u0644\u0645\u062c\u0645\u0644 \u0627\u0644\u0631\u0628\u062d \u0627\u0644\u0641\u0639\u0644\u064a<\/p>\n

\u062a\u0623\u0645\u064a\u0646 \u0641\u0642\u062f \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0627\u0644\u0637\u0627\u0631\u0626 contingent profit insurance<\/span><\/p>\n

contingent business interruption insurance<\/p>\n

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\u0628\u0642\u0644\u0645 \u0646\u0628\u064a\u0644 \u0645\u062d\u0645\u062f \u0645\u062e\u062a\u0627\u0631 \u0639\u0628\u062f \u0627\u0644\u0641\u062a\u0627\u062d<\/span><\/p>\n

\u0627\u0639\u0627\u062f\u0629 \u0646\u0634\u0631 \u0628\u0648\u0627\u0633\u0637\u0629 \u0645\u062d\u0627\u0645\u0627\u0629 \u0646\u062a .<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0631\u0628\u0627\u062d\/ \u0623\u0648 \u062a\u0623\u0645\u064a\u0646 \u0641\u0642\u062f \u0627\u0644\u0623\u0631\u0628\u0627\u062d\/ \u0623\u0648 \u062a\u0623\u0645\u064a\u0646 \u062a\u0648\u0642\u0641 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 Profit insurance \/ Loss of profit insurance \/ business interruption insurance \/ business interruption policies ( BI) \/ business income insurance \u062a\u0623\u0645\u064a\u0646 \u0641\u0642\u062f \u0627\u0644\u0623\u0631\u0628\u0627\u062d \u0647\u0648 \u0645\u0646 \u0648\u062b\u0627\u0626\u0642 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0639\u0646\u0635\u0631 \u0627\u0644\u0632\u0645\u0646\u064a time element policies \/ time element insurance \u062d\u064a\u062b \u062a\u062a\u062d\u0642\u0642 \u0627\u0644\u062e\u0633\u0627\u0631\u0629 (\u0641\u0642\u062f \u0627\u0644\u062f\u062e\u0644) \u0628\u0645\u0631\u0648\u0631 \u0627\u0644\u0632\u0645\u0646 \u0628\u0639\u062f […]<\/p>\n","protected":false},"author":8,"featured_media":136990,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[6],"tags":[1776,645,2089,7279,1282],"class_list":["post-136989","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-6","tag-1776","tag-645","tag-2089","tag-7279","tag-1282"],"views":1168,"_links":{"self":[{"href":"https:\/\/www.mohamah.net\/law\/wp-json\/wp\/v2\/posts\/136989","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.mohamah.net\/law\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.mohamah.net\/law\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.mohamah.net\/law\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.mohamah.net\/law\/wp-json\/wp\/v2\/comments?post=136989"}],"version-history":[{"count":1,"href":"https:\/\/www.mohamah.net\/law\/wp-json\/wp\/v2\/posts\/136989\/revisions"}],"predecessor-version":[{"id":136991,"href":"https:\/\/www.mohamah.net\/law\/wp-json\/wp\/v2\/posts\/136989\/revisions\/136991"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.mohamah.net\/law\/wp-json\/wp\/v2\/media\/136990"}],"wp:attachment":[{"href":"https:\/\/www.mohamah.net\/law\/wp-json\/wp\/v2\/media?parent=136989"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.mohamah.net\/law\/wp-json\/wp\/v2\/categories?post=136989"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.mohamah.net\/law\/wp-json\/wp\/v2\/tags?post=136989"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}