ࡱ> EGU@ bjbj "Vqg pXPd@d@d@8@dB}CN6H6HHHI I I{{{{{{{$Rh|B^IIB^B^|HH0|>c>c>cB^2HH{>cB^{>c*>chc rsHC |d@t`%s"qv|}Gs2aDssxI41Pn>cT+XIII||8?b^? EMBED MSPhotoEd.3  A BROWN UNIVERSITY CASE STUDY Spring 20056 Citigroup Our growth over the years has been extraordinary. Despite this empirical record, we are sometimes asked: Can you still grow? Are you too big to grow? Are you dependent on big deals for too much of your growth? Chuck Prince, CEO and Bob Willumstad, CFO in 2003 Annual Report Beth Markle put down the phone, and quickly jolted down several talking points on her legal pad for the next meeting. She had just spoken with the manager of a new Citibank retail branch in Brooklyn. As Citibank N.A.s Director of Product and Marketing, Markle is responsible for deciding whether or not Citibank retail branches nationwide would begin offering free checking to all customers. Admiring the view of Lower Manhattan skyline from her office on the 37th floor of Citigroup Tower, she wondered what the banking landscape would look like 10 years from now. As more and more financial institutions began to offer free checking, Citigroup the most profitable company in the world in 2003 felt more and more pressure to make a decision. Markle had mixed feelings about free checking. On one hand, it would attract more customers, but on the other hand, it could hurt Citibanks brand. We do not want to just follow the herd. We want to make our own decision based on what is right for us, Markle said, However, it is time to make a decision. Citigroup In 2004, Citigroup was the largest U.S. bank holding company and a leading global financial services firm. Headquartered in New York, it had a presence in more than 100 countries across six continents, where its 275,000 employees managed 200 million customer accounts. Its services included credit cards, consumer finance, retail banking, corporate and investment banking, retail brokerage, life insurance and investment management. Major brand names under Citigroups trademark red umbrella included Citibank, CitiFinancial, Primerica, Smith Barney, Banamex, and Travelers Life and Annuity (see Exhibit 1). Founded in 1812 with $2 million authorized capital and $800,000 paid-in capital, the City Bank of New York opened for business to serve a group of New York merchants. Over the next century, the bank continued to expand and diversify its product line and services, serving businesses as well as individuals. By 1929, it became the largest commercial bank in the world with over $1 billion in assets, with offices in Asia, Europe and India. In 1976, the bank changed its name to Citibank, N.A. (National Association), following its parent holding companys change to Citicorp two years ago to better suit its global business. Major Events Citicorp-Travelers Merger On October 8, 1996, Citicorp and the Travelers Group completed their $70 billion merger to form Citigroup, Inc. Citicorp was then the 2nd largest commercial bank and Travelers Group a leading global insurance and investment banking firm. Such alliance between a commercial bank and an insurance company or an investment bank was previously illegal to prevent a conflict of interests. The Citicorp-Travelers merger thus represented a new era of horizontal expansion. As an equal merger, the CEOs of the two companies - Sanford (Sandy) Weill of Citicorp and John Reed of Travelers - became co-CEOs. However, the configuration did not work out, and Reed resigned in February 2002. Expansions and Acquisitions after the Merger Under the leadership of Weill, Citigroups acquisition spree began. In the first couple years, its drive for a relentless focus on growth, aiming to increase earnings by double digits on average was fulfilled by acquiring or becoming the major stakeholder in over a dozen international banks and brokerages, including Nikko Beans, a Japanese online brokerage firm, Bank Handlowy w Warszawie SA, a leading corporate bank in Poland, Mexico's "Banacci" (Grupo Financiero Banamex-Accival) and the majority of Diners Club Europe. It had three major acquisitions in the U.S. In July 2001, Citigroup acquired the full-service commercial bank European American Bank, adding 97 branches in the New York Area. Four months later, it acquired Golden State Bancorp, the parent company of First Nationwide Mortgage and Cal Fed, adding 352 branches and approximately 1.5 million new customers in key California and Nevada markets. Exhibit 2 shows the new market share and distribution in those areas. At the May 29th, 2003 Investor Presentation, Bob Willumstad, President of Global Consumer Group, announced the companys intentions to expand distribution by market share, geography and the Hispanic market. In January, 2004, it announced the acquisition of Washington Mutual Finance. California Free Checking Trial As a result of the acquisition of Golden State Bancorp, all Citibank branches in California began offering free checking. The decision was made because there was no choice, according to Markle. California customers were used to free checking, and it would be impossible for Citibank to compete if they did not offer a comparable package. No affects were observed on Citibank branches that switched to free checking, and customers were reported to not notice a difference. Enron Litigation In 2002, former Salmon Smith Barney was under investigation for involvement in the Enron corporate fraud trial. On April 28, 2003, Citigroup announced that Citigroup Global Markets, Inc. (formerly Salomon Smith Barney) had reached an agreement with the New York Attorney General and regulators to resolve outstanding investigations into research, IPO allocation, and distribution practices. On July 28, 2003, it agreed to pay over $130 million in fines to the Securities and Exchange Commission and the New York State. As part of the agreement, Weill would not be charged and Citigroup was not liable for any wrongdoings, however, it had issued statements of regret to customers and investors. New Leadership On October 1, 2003, Charles O. (Chuck) Prince succeeded Weill as Chief Executive Officer of Citigroup, and Robert B. Willumstad, President, added Chief Operating Officer to his role. Mr. Weill would remain Chairman of the Board until the 2006 annual shareholders meeting. Citibank Consumer Retail Banking Retail banking was the 2nd biggest grossing product line in the Citigroup family, just after its world leading credit card business. It had a net income of $4.2 billion in 2003 (see Exhibit 3). Citigroups retail banking offered banking, lending, insurance and investment services to individual consumers around the world. It had 3,100 retail bank branches, 9,800 ATMS, online services as well as a network of Priamerica independent agents worldwide. Citigroups retail banking boasted many successful innovations; in the early 1920s, it was the first national bank to offer services to consumers; in 1961, it created the Certificate of Deposit and in the late 1970s it widely deployed and popularized the use of 24-hour ATMS in the U.S. However, it took them over a decade to launch a fully integrated Internet service. Citigroups size had created a hurdle for integration of its many financial services onto one single Web portal. As other national and regional banks began to offer the technology to consumers, Citigroup was still trying to create a new standard. It launched the award-winning CitiDirect in late 2000. However, it is estimated that fewer of its consumers actually conduct transactions online than Bank of America and Wells Fargo. Markle joined the managerial associate program after graduating from business school in 2000. At the end of the comprehensive training program, she chose to work in the Marketing Division of Citibank. As the Director of Product and Marketing, Markles marketing team is responsible for working out the overall marketing strategy nationwide, in key markets and by market segment. Some major concerns in her job included the acquisition and retention of customers. Citi, Live Richly campaign Citigroup gave the impression of an elite bank. Its average borrower in North America belonged to the Middle America - 47 years old with an income of $43,000 to $57,000 a year, married with a house and 14 years of schooling. To leverage upon its brand and international presence, and to emphasize itself as a one-stop financial service provider, in mid-2003, Citigroup ran a series of advertisements with a tag line of Citi, Live Richly. Gracing bus stops and billboards, the posters all had a uniform simple design and carried messages emphasizing quality time with your family and yourself. The large posters had a white background, a distinct red arch over the royal blue Citi, live richly letters. The visible campaign drew attention to Citigroups new focus on promoting the idea of asset management to mass consumers as well as young, urban consumers (See Exhibit 4 for Citibanks advertisements). Retail Banking Fundamentals Retail banks provided services to a diverse clientele with a vast range of needs in the business of retail banking. When retail bank personnel reviewed customers, they looked at the prospect of gaining revenue, the actual cost to serve a customer, and finally profitability. Numerous different variables were taken into account when determining how profitable a customer would be. A customer would be more profitable to a bank if the customer kept a higher balance in the account. Similarly, one who performed most of his transactions online, and thus eliminated the paper and bank employee aspect of a transaction, would be more profitable to a bank. Revenue In its most basic form, one of the two components that retail banks viewed when assessing their business was the revenue that could be gained from a customer. Customers generated revenue for the bank in three basic ways: loan interest, fee income, and investment income resulting from deposit balances. Loan interest generated the most revenue for retail banks. Therefore, banks were very conscious of how this area affected the overall picture. Fees were generally levied for checking accounts, late payments, and overdrafts. Cost to provide services On the contrary, customers also cost retail banks money. The second component was the total cost of services. Similarly, there were three general costs that a bank must incur while providing services to customers: interest on savings accounts and certificates of deposit, transactions, and fixed costs. Each time a transaction occurs, a bank must pay a fee. As mentioned earlier, online transactions are less costly than teller transactions. Exhibit 5 shows that the average cost per transaction for a Full Service Branch is valued at $1.07 while an internet transaction only costs $0.01. The art of successful retail banking, as with any business, became maximizing the profits gained and minimizing the cost of providing services to a customer. Major Competitors Citibank must be concerned with the actions of its competitors during its decision-making process. Exhibit 6 shows the distribution of Deposit Market Share in the retail banking industry. Citigroup Inc. was ranked fifth in terms of total deposits. The top three banks on the list (Bank of America Corporation, Wells Fargo & Company, and Wachovia Corporation) offered free checking. Exhibit 7 shows free checking account comparisons. It is crucial for Citibank to take into account the currents trends of other leading banks before making any major decisions. Bank of America Corporation Bank of America was the both the largest retail bank in terms of offices and had the highest percentage of market share in terms of total deposits. It was headquartered out of North Carolina. One of Bank of Americas major initiatives was community development, in which they strove to serve low- and moderate-income individuals and families, improve underserved low- and moderate-income communities, and create sustainable practices for the long haul. Bank of America merged with FleetBoston Financial Corporation in early 2004, which was the eighth-largest bank in terms of deposit market share. After the merger, Bank of America had nearly 5,700 branches in nearly 29 states and the District of Columbia. Wells Fargo & Company Wells Fargo was headquartered in California and possessed the second-highest market share of total deposits. Their vision, as stated by Chairman and CEO Richard M. Kovacevich was to satisfy all our customers' financial needs, help them succeed financially, and become known as one of America's great companies and the number one financial services provider in each of our markets Wells Fargo prided themselves on their humble beginnings 150 years ago when they opened banks in California that served the western frontier of the United States. They have erected Wells Fargo museums in many cities around the country to build brand awareness. Wachovia Corporation Wachovia, which was based out of North Carolina, was the third-largest bank in terms of market share. In 2001, Wachovia merged with First Union, gaining significant market share. Wachovia put trust in high esteem. Part of Wachovias company information included the statement, Strong relationships are built on trust, and trusting a company means knowing it well. Wachovia also sponsored the Wachovia Championship, a PGA tour event played annually in North Carolina in May. These efforts helped to build community relations and embrace company culture. The Present State of Retail Banking Retail banking was at a current state that many competitive industries eventually reach. Competitive market share was divided among approximately 14 retail banks. Partly due to the lack of availability of market share, major barriers of entry were present for start-up banks. Thus, the current trend was that smaller banks were purchased by larger ones, and in turn, larger banks merged to maximize market share. This was evident by the 2004 merger of Bank of America and FleetBoston Financial Corporation and the 2001 Merger of Wells Fargo & Company and First Union. Both of these mergers helped the two newly-formed companies to remain as major players in the retail banking industry. Because of this structure, banks competed for any amount of market share, even very minute percentages. The only way for banks to increase their market share exponentially was to consolidate. Free Checking There existed several options for Citibank to obtain a larger market share in the newly consolidated banking industry. These options included acquisitions, increasing and improving branches, and offering free checking. Once a distant memory, many financial institutions had reinstituted free checking accounts. Fifth Third Bank experienced 17 percent growth in account balances after becoming one of the first U.S. banks to reintroduce free checking. Since then, nearly all national banks had followed suit, offering a similar product. In 2003, Free Checking accounts were offered at 35 percent of all US financial institutions (See Exhibit 8). Financial Institutions often marketed all checking accounts with no monthly fee as Free Checking. However some of these accounts did not adhere to the legal definition set forth in the Truth in Savings Act of 1993. This act stated that free accounts cannot require an average minimum balance, charge a monthly maintenance fee or incur per-item transaction fees. Additionally, under regulatory guidelines, banks cannot require direct deposit and still market accounts as free.16 Negatives There were several factors associated with free checking that needed to be considered. The first and largest factor of Citigroup was brand erosion. Citibank had always been a price leader, offering a premium product and foregoing market share. By switching to free checking, a new type of customer with less money to deposit would be attracted. Markle was unsure if this type of customer would be more transient and jump from bank to bank in order to avoid fees. Since retention rates varied greatly in the industry the California trial was not a clear indicator of retention for Citigroup. While the current attrition rate for Citibank checking accounts ranged from 20%-50% on average, it was unknown how free checking would affect this rate on a national level. The perceived value of a free product was also a concern. Markle believed strongly that customers would feel that they were getting a premium service when they pay monthly fees. With free checking, people may be less trustworthy of the quality of service that they will receive. The final concern Markle faced was the lost fees from a free checking account. In 2003 Citibank was making an average of approximately $100 in customer net revenue on checking accounts (See Exhibit 9 for existing Citibank checking accounts). Positives On the other hand, free checking had already become a commodity in the banking industry. Almost all major banks were already using it in some form, and it was almost expected from the customer. Because of the consolidations in the industry, it had become increasingly difficult to gain market share. The industry standard was to offer free checking, and customers had become aware of which banks were offering this product. As far as retaining newly attracted customers, various requirements could be tied to the checking accounts in order to increase the rate. For example, many banks offered free checking only with a direct deposit requirement. Because direct deposit took time and effort to set up, people were less likely to switch banks. Citibank also offered other free services such as online banking and financial needs analysis which helped retain customers. However, Markle was concerned that these perks would not have a strong enough effect to increase retention to the necessary rate. Cross selling products was a major selling point for free checking. While fees might be lost and low-income customers attracted, these two negatives might only be short term. As a person goes through ones life cycle, financial situations would change. Citigroup wanted to capture all customers and recognized that a person with little money could eventually be earning and saving a substantial amount. One would then turn to ones bank for other services such as investing, mortgages, and loans. In the end lost fees could be made up by customer spending, and thus it would be most important to first obtain the customer regardless of financial situation. Other Alternatives Few alternatives existed for banks to attract new customers. Aside from free checking, the other main focus was on customer experience in branches. According to the Council on Financial Competition, the majority of institutions consider the branch to be a banks primary distribution center. Acquisitions The obvious solution to growth would be acquiring or merging with other banks in order to increase market share. This strategy had been extremely important for Citibanks growth in the past. Today, most regional banks have become acquired by national financial institutions resulting in a highly consolidated market containing about 14 major players. This consolidation makes acquisitions increasingly difficult. Role of Branches At many banks the role of the branch is shifting from a transaction center to a sales and advice center. This strategy targeted a more affluent customer who will benefit from this service. For example, in Europe banks were investing in portfolio management tools, analytics, and financial planning software for branches. Innovative Branch Design Another strategy was to redesign the branch in order to increase customer experience. Washington Mutual was implementing a new branch strategy in which branches were designed more like a retail store than a typical bank. A concierge greeted customers and directed them to a service representative or sales associate who roamed the store with remote headsets and handheld computers. Another financial institution, Commerce Bank, intentionally maintained the image of a community bank with inviting structures to attract customers. Passers by could see employees at work through ceiling-to-floor clear glass windows. Other innovations included online kiosks and handheld computer technology. Where to Go From Here? Beth Markle had a difficult decision to make. Citibank witnessed higher incidence of customer defections and decreasing growth of new deposits in 2003 (See Exhibit 10 for Citibank Income Statements). Unlike most of its competitors Citibank had yet to switch to free checking on a national basis, rather was offering Free Transactional Banking only in California markets. Given the competitive environment and decreasing growth rate in deposit accounts, a decision needed to be made whether or not to roll out with Free Transactional Checking or find an alternative to increase growth. Brand erosion weighed heavily on Markles mind as she sat pensively staring out her window. In addition, she did not want Citibank to lose any credibility as an innovator and leader in the retail banking industry. She walked over to her table and poured herself a cup of coffee for the long night ahead. Exhibit 1 Citigroup Organizational Hierarchy  HYPERLINK "http://www.citigroup.com/citigroup/business/index.htm" \l "#"  INCLUDEPICTURE "http://www.citigroup.com/citigroup/business/image/p_citigroup.png" \* MERGEFORMATINET  HYPERLINK "http://www.citi.com"  INCLUDEPICTURE "http://www.citigroup.com/citigroup/business/image/p_citibank.png" \* MERGEFORMATINET   HYPERLINK "http://www.citicards.com"  INCLUDEPICTURE "http://www.citigroup.com/citigroup/business/image/p_citicards.png" \* MERGEFORMATINET   HYPERLINK "http://www.citifinancial.com"  INCLUDEPICTURE "http://www.citigroup.com/citigroup/business/image/p_citifinancial.png" \* MERGEFORMATINET   HYPERLINK "http://www.citibank.com/CitiMortgage"  INCLUDEPICTURE "http://www.citigroup.com/citigroup/business/image/p_citimortgage.png" \* MERGEFORMATINET   HYPERLINK "http://www.citigroup.com/citigroup/business/index.htm" \l "#"  INCLUDEPICTURE "http://www.citigroup.com/citigroup/business/image/p_citiinsurance.png" \* MERGEFORMATINET  INCLUDEPICTURE "http://www.citigroup.com/citigroup/business/image/p_brace.png" \* MERGEFORMATINET  HYPERLINK "http://www.travelersla.com"  INCLUDEPICTURE "http://www.citigroup.com/citigroup/business/image/p_travelersla.png" \* MERGEFORMATINET   HYPERLINK "http://www.primerica.com"  INCLUDEPICTURE "http://www.citigroup.com/citigroup/business/image/p_primerica.png" \* MERGEFORMATINET   HYPERLINK "http://www.banamex.com"  INCLUDEPICTURE "http://www.citigroup.com/citigroup/business/image/p_banamex.png" \* MERGEFORMATINET   HYPERLINK "http://www.citibank.com/dinersus"  INCLUDEPICTURE "http://www.citigroup.com/citigroup/business/image/p_diners.png" \* MERGEFORMATINET  INCLUDEPICTURE "http://www.citigroup.com/citigroup/business/image/p_brace.png" \* MERGEFORMATINET  HYPERLINK "http://www.salomonsmithbarney.com"  INCLUDEPICTURE "http://www.citigroup.com/citigroup/business/image/p_smithbarney.png" \* MERGEFORMATINET   HYPERLINK "http://www.citigroupassetmanagement.com/"  INCLUDEPICTURE "http://www.citigroup.com/citigroup/business/image/p_citigroupam.png" \* MERGEFORMATINET   HYPERLINK "http://www.citibank.com/privatebank"  INCLUDEPICTURE "http://www.citigroup.com/citigroup/business/image/p_citigrouppb.png" \* MERGEFORMATINET   HYPERLINK "http://www.citigroupai.com"  INCLUDEPICTURE "http://www.citigroup.com/citigroup/business/image/p_citigroupai.png" \* MERGEFORMATINET   HYPERLINK "http://www.citicapital.com"  INCLUDEPICTURE "http://www.citigroup.com/citigroup/business/image/p_citicapital.png" \* MERGEFORMATINET Source:  HYPERLINK "http://www.citigroup.com/citigroup/business/index.htm" http://www.citigroup.com/citigroup/business/index.htm Exhibit 2 Market Share Distribution by Region   Source: Global Consumer Group Investor Presentation, May 29, 2003.  HYPERLINK "http://www.citigroup.com/citigroup/fin/data/p030529a.pdf" http://www.citigroup.com/citigroup/fin/data/p030529a.pdf (pg 107) Exhibit 3: Citibank Income Breakdown  Source: Citigroup 2003 Annual Report  HYPERLINK "http://www.citigroup.com/citigroup/fin/data/ar031c_en.pdf" http://www.citigroup.com/citigroup/fin/data/ar031c_en.pdf Exhibit 4: Sample Advertisement from Citi, Live Richly campaign  HYPERLINK "http://www.citigroup.com/citigroup/showcase/data/lr_en_bb_03.pdf"  INCLUDEPICTURE "http://www.citigroup.com/citigroup/showcase/data/lr_en_bb_03.gif" \* MERGEFORMATINET  HYPERLINK "http://www.citigroup.com/citigroup/showcase/data/lr_en_bb_02.pdf"  INCLUDEPICTURE "http://www.citigroup.com/citigroup/showcase/data/lr_en_bb_02.gif" \* MERGEFORMATINET  HYPERLINK "http://www.citigroup.com/citigroup/showcase/data/lr_en_bb_07.pdf"  INCLUDEPICTURE "http://www.citigroup.com/citigroup/showcase/data/lr_en_bb_07.gif" \* MERGEFORMATINET Source: Advertising Showcase, Live richly  HYPERLINK "http://www.citigroup.com/citigroup/showcase/liverichly.htm" http://www.citigroup.com/citigroup/showcase/liverichly.htm Exhibit 5: Estimated banking transaction costs (in U.S. $)  Exhibit 6: Deposit Market Share Institution NameHeadquarteredNo. of OfficesTotal DepositsMarket ShareRank30-Jun-03 HYPERLINK "C:\jgrazel\brown\\..\\..\\..\\idasp\\report_bhc.asp" Bank Of America Corporation North Carolina4,296388,967,7287.5%1 HYPERLINK "C:\jgrazel\brown\\..\\..\\..\\idasp\\report_bhc.asp" Wells Fargo & Company California3,017227,791,0264.4%2 HYPERLINK "C:\jgrazel\brown\\..\\..\\..\\idasp\\report_bhc.asp" Wachovia Corporation North Carolina2,667196,835,7733.8%3 HYPERLINK "C:\jgrazel\brown\\..\\..\\..\\idasp\\report_bhc.asp" J.P. Morgan Chase & Co. New York608196,301,9043.8%4 HYPERLINK "C:\jgrazel\brown\\..\\..\\..\\idasp\\report_bhc.asp" Citigroup Inc. New York814184,248,7273.6%5 HYPERLINK "C:\jgrazel\brown\\..\\..\\..\\idasp\\report_bhc.asp" Bank One Corporation Illinois1,821156,879,2733.0%6 HYPERLINK "C:\jgrazel\brown\\..\\..\\..\\idasp\\report_bhc.asp" U.S. Bancorp Minnesota2,305125,141,6032.4%7 HYPERLINK "C:\jgrazel\brown\\..\\..\\..\\idasp\\report_bhc.asp" Fleet Boston Financial Corporation Massachusetts1,534124,529,5192.4%8 HYPERLINK "C:\jgrazel\brown\\..\\..\\..\\idasp\\strureportNew.asp" Washington Mutual Bank, Fa California1,626134,608,4202.6%9 HYPERLINK "C:\jgrazel\brown\\..\\..\\..\\idasp\\report_bhc.asp" Suntrust Banks, Inc. Georgia1,22374,473,9051.4%10 HYPERLINK "C:\jgrazel\brown\\..\\..\\..\\idasp\\report_bhc.asp" National City CorporationOhio1,21363,870,1311.2%11 HYPERLINK "C:\jgrazel\brown\\..\\..\\..\\idasp\\strureportNew.asp" Merrill Lynch Bank USA Utah254,368,3421.1%12 HYPERLINK "C:\jgrazel\brown\\..\\..\\..\\idasp\\report_bhc.asp" BB&T Corporation North Carolina1,11754,273,5411.0%13 HYPERLINK "C:\jgrazel\brown\\..\\..\\..\\idasp\\report_bhc.asp" Royal Bank of Scotland Group PLC, The Foreign *84153,574,0481.0%14 HYPERLINK "C:\jgrazel\brown\\..\\..\\..\\idasp\\report_bhc.asp" Fifth Third Bank CorpOhio98553,418,2701.0%15 Source: Citibank internal document Exhibit 7: Financial Institutions that offer Free Checking  Source: Free Transactional Banking November 2003, Corporate Executive Board Exhibit 8: Industry Growth  Source: Free Checking Account Growth,  HYPERLINK "http://www.bankrate.com" www.bankrate.com Exhibit 9: Types of Accounts Citigroup Currently Offers (as of March, 2004) Access Account (ATM/Debit card)Citibank EZ CheckingCitibank AccountEverything Counts AccountBasic Checking AccountMinimum balanceNo$1500 across certain linked accounts (CD, checking, day-to-day, money market)$6000 across linked accounts $10000 or $20000 across linked accountsNoFree checkingNoYes if maintain minimum balanceYes if maintain minimum balanceYes if maintain minimum balanceNoMonthly fee$3No if maintain minimum balanceNo if maintain minimum balanceNo if maintain minimum balanceYes, vary by stateFree online banking, bill payment, statements, E-mail alertsYesYesYesYesYesOther perksUnlimited free checkwritingUnlimited free checkwriting Unlimited free use of non-Citibank ATMsUnlimited free checkwriting Unlimited free use of non-Citibank ATMs and moreSource: Checking-At-A-Glance,  HYPERLINK "http://www.citigroup.com" www.citigroup.com Exhibit 10: Citibank Income Statements   Source: Financial Statement 2003,  HYPERLINK "http://www.citigroup.com/Citigroup/fin/data/ar032c.pdf" www.citigroup.com/Citigroup/fin/data/ar032c.pdf  Protagonist created  About Citigroup  HYPERLINK "http://www.citigroup.com/citigroup/corporate/history/citibank.htm" http://www.citigroup.com/citigroup/corporate/history/citibank.htm  illegal under the Glass-Steagall Act of 1933  Corporate Values  HYPERLINK "http://www.citigroup.com/citigroup/corporate/values/index.htm" http://www.citigroup.com/citigroup/corporate/values/index.htm  Global Consumer Group Investor Presentation, May 29, 2003.  HYPERLINK "http://www.citigroup.com/citigroup/fin/data/p030529a.pdf" http://www.citigroup.com/citigroup/fin/data/p030529a.pdf (pg 28)  Ibid  Ibid (pg 107)  About Citigroup  HYPERLINK "http://www.citigroup.com/citigroup/corporate/history/citibank.htm" http://www.citigroup.com/citigroup/corporate/history/citibank.htm  Citigroups Product Lines  HYPERLINK "http://www.citigroup.com/citigroup/about/productlines/retailbank.htm" http://www.citigroup.com/citigroup/about/productlines/retailbank.htm  Frei, Frances X. Economics of Retail Banking Note. President and Fellows of Harvard College, 2002.  Bank of America Community Relations,  HYPERLINK "http://www.bankofamerica.com/community/index.cfm?template=cdb_comm_impact" http://www.bankofamerica.com/community/index.cfm?template=cdb_comm_impact  Bank of America and Fleet merger,  HYPERLINK "http://www.fleet.com/bankofamerica/index.asp" http://www.fleet.com/bankofamerica/index.asp  Wells Fargo Banking Vision,  HYPERLINK "http://wellsfargo.com/invest_relations/vision_values/2" http://wellsfargo.com/invest_relations/vision_values/2  Wachovia Mission Statement,  HYPERLINK "http://www.wachovia.com/inside/page/0,,132,00.html" http://www.wachovia.com/inside/page/0,,132,00.html  Free Transactional Banking, the Council on Financial Competition Web site,  HYPERLINK "http://www.councilonfinancialcompetition.com" http://www.councilonfinancialcompetition.com  Checking (Interest or Regular), Citicorp Investment Services Brokerage, Citibank credit cards, Loans & credit lines, Mortgages, Retirement accounts, Savings (CDs, Day-to-Day Savings, Money Market  $10000 minimum balance in checking (interest or regular) and savings (CDs, Day-to-Day Savings, Money Market) or $20000 minimum balance in a combination of deposit and non-deposit accounts including Credit Cards, Citicorp Investment Services Brokerage and Retirement accounts.     Copyright 2004-5 by Professor Josef Mittlemann, Brown University. This case was originally written by Mark Connolly, Vincent Criscione and Vanessia Wu under the supervision of Professor Josef Mittlemann and Hannah Rodriguez Farrar. It has been revised and modified by Professor Josef Mittlemann. This case was written for the purpose of class discussion and as a teaching tool and is not intended as a source of data or otherwise. This publication may not be reproduced without the permission of Josef Mittlemann \]gh< = P R Y y Ⱥo___O?h1hCJOJQJ\aJh1h]X@CJOJQJ\aJh1h!CJOJQJ\aJ"h1ho/CJH*OJQJ\aJ,jh1ho/0JCJOJQJU\aJh1ho/CJOJQJ\aJ"h1ho/6CJOJQJ]aJh1ho/6OJQJ]h1ho/CJOJQJaJh1ho/OJQJ\ ho/\jEE hZ''UVhZ''jhZ''U[\]gh< = 7$8$H$$a$Gkd!$$Iflv0># 4 la $Ifgd $Ifgd x$Ifgd y= g ~  vv`gdy`gdY $`a$gd!`` $h]^ha$M$ & FEƀ̄-]a$ 7?@BѿtdttUуђѡh1hCJOJQJaJh1hY 5CJOJQJaJh1hY CJOJQJaJh1hrOCJOJQJaJh1h*CJOJQJaJh1hyCJOJQJaJh1hhCJOJQJaJ"h1ho/5CJOJQJ\aJh1ho/CJOJQJaJh1h!CJOJQJaJh1ho/CJOJQJ\aJ-5\`:<012`b:⮞~n_O@h1h}EECJOJQJaJh1ho/CJH*OJQJaJh1ho*CJOJQJaJh1ho/6CJOJQJaJh1hZ6CJOJQJaJh1hZ5CJOJQJaJh1ho/5CJOJQJaJh1hy5CJOJQJaJ)jh1ho/0JCJOJQJUaJh1h*iCJOJQJaJh1ho/CJOJQJaJh1hCJOJQJaJZ[`gd$agdf`gdgd$a`$a$gdZgdy:[\}MNu;uѲlYFY7h1h$aCJOJQJaJ%h1h*B*CJOJQJaJph%h1hF^B*CJOJQJaJph%h1heB*CJOJQJaJphh1heCJOJQJaJ)jh1ho/0JCJOJQJUaJh1hNCJOJQJaJh1ho*CJOJQJaJh1hv6CJOJQJaJh1ho/6CJOJQJaJh1ho*6CJOJQJaJh1ho/CJOJQJaJHI!"$-8<jwy789ӾӾӮӀӐӾq\qLh1h[6CJOJQJaJ)jh1h*0JCJOJQJUaJh1h*CJOJQJaJh1ho/CJH*OJQJaJh1h}EECJOJQJaJh1hz\CJOJQJaJh1hz\5CJOJQJaJ)jh1ho/0JCJOJQJUaJh1ho/CJOJQJaJh1hNCJOJQJaJh1hCJOJQJaJn  sdUFUdU7h1hTECJOJQJaJh1hfCJOJQJaJh1hCJOJQJaJh1h0QCJOJQJaJh1hRTCJOJQJaJh1hCJOJQJaJh1h6CJOJQJaJh1hTE6CJOJQJaJh1h[6CJOJQJaJh1hf6CJOJQJaJh1h$aCJOJQJaJh1h*iCJOJQJaJh1h$a6CJOJQJaJ%7.5PQRavzƳƳzgWH9*h1h0QCJOJQJaJh1ho/CJOJQJaJh1h`"CJOJQJaJh1ho/6CJOJQJaJ%h1h>gB*CJOJQJaJph%h1h3B*CJOJQJaJph%h1hB*CJOJQJaJph%h1hM8 B*CJOJQJaJph%h1h^BB*CJOJQJaJph%h1hTEB*CJOJQJaJph%h1hfB*CJOJQJaJph%h1h0QB*CJOJQJaJphQRabt u v ]"^"~##%%S'T'U'V'W'X'`gd0gd8P`gd8P`gd 9$a$gd8P`hhh]h^h`hgd3gd0Q% + s t u v !#!5!N!W!Y!Z!ⴤvvfvvWGWvh1hY 5CJOJQJaJh1hY CJOJQJaJh1h8PCJH*OJQJaJh1h8PCJOJQJaJh1h 9CJOJQJaJh1h8P5CJOJQJaJh1h2~ 5CJOJQJaJh1h,CJOJQJaJh1ho/5CJOJQJaJh1h3pCJOJQJaJh1ho/CJOJQJaJh1h 5CJOJQJaJZ!e!g!|!!!O"Y"Z"^"i"z"{"|""""####%%%'%'&'''+'S'T'įӠpaRaRaRah1h 9CJOJQJaJh1h0CJOJQJaJ"h1h8P56CJOJQJaJh1h!CJOJQJaJh1hfCJOJQJaJh1h_CJOJQJaJ)jh1h8P0JCJOJQJUaJh1hl'CJOJQJaJh1h3pCJOJQJaJh1h8PCJOJQJaJh1hxCJOJQJaJT'X'_'j'k'u'v'X(Z(t(x(((((())1)G)f))))))))))))³whwhwYhwhYhYhh1hN CJOJQJaJh1hDRCJOJQJaJh1hJ$CJOJQJaJh1h!CJOJQJaJh1h>gCJOJQJaJh1hvCJOJQJaJh1hxCJOJQJaJh1h8PCJOJQJaJh1h>g6CJOJQJaJh1hv6CJOJQJaJh1h2bCJOJQJaJX'u'v'Y(Z(+++#+$+----////22222$a$gd/h`hgd2~ gd2~ `gd2~ $a$gd2~ `gd>g`gdvgd8P))))**1*?*G*b*m****++++#+,,.-1---ӵ▇whYhYhIh1h2~ 6CJOJQJaJh1h!CJOJQJaJh1h2~ CJOJQJaJh1h2~ 5CJOJQJaJh1h,CJOJQJaJh1h>gCJOJQJaJh1h#5CJOJQJaJh1h#CJOJQJaJh1hxCJOJQJaJh1h 9CJOJQJaJh1hJ$CJOJQJaJh1h,CJOJQJaJ--=.A.3/4/f/h/////11192:22222Q3[3\3q4z4{4"5#5$5@5A55566b6}m^^h1h5CJOJQJaJh1hm5CJOJQJaJ)jh1h2~ 0JCJOJQJUaJh1h#5CJOJQJaJh1hICCJOJQJaJh1h2~ 6CJOJQJaJh1h2~ 5CJOJQJaJh1h!CJOJQJaJh1h2~ CJOJQJaJh1hIC6CJOJQJaJ$2#5$5@5A588%8&8::::<<<<<==@@@$a$gd')gdgN$a$gd/gd/$a$gd2~ gd2~ h`hgd2~ gd2~ `gd2~ b6 7 7,7-7 8 88%8&8'899:::3<4<<<쪘u^uMu^u;#h1h/5CJOJQJ^JaJ h1hICCJOJQJ^JaJ-jh1h2~ 0JCJOJQJU^JaJ h1h2~ CJOJQJ^JaJ#h1h2~ 6CJOJQJ^JaJ#h1hIC6CJOJQJ^JaJ(h1h2~ 6B*CJOJQJaJph%h1h5B*CJOJQJaJph2jh1h2~ 0JB*CJOJQJUaJph%h1h2~ B*CJOJQJaJph<==>>@@@@@NA\AjAsAAAtBBBBBBCC!CοݯqqbqqqM>h1h#CJOJQJaJ)jh1h')0JCJOJQJUaJh1h{CJOJQJaJh1h 9CJOJQJaJh1h')CJOJQJaJh1h')5CJOJQJaJh1h55CJOJQJaJh1hgN5CJOJQJaJh1h5CJOJQJaJh1h2~ CJOJQJaJh1h2~ 5CJOJQJaJ#h1h2~ 5CJOJQJ^JaJ@@@.C0CEEEEHH%J&J0J1JKgd{`gd') C$`gd FEƀӄ&gd `gdgNgd')$a$gd')!C,C/C0CSCUCCCDDDDDEEEEEEEEEueUF7h1h6CJOJQJaJh1h0CJOJQJaJh1hgN6CJOJQJaJh1h56CJOJQJaJh1h5CJOJQJaJ h1h Y0JCJOJQJaJh1h#CJOJQJaJh1h,[CJOJQJaJh1hl'CJOJQJaJh1h{CJOJQJaJh1hgNCJOJQJaJh1h')CJOJQJaJh1h#5CJOJQJaJEEEEEFFFF!G1G;G]GkGHHHHHHHHHHH2I3IIIIIIII$J%Jĵĵ񦗵yiyh1h#5CJOJQJaJh1h#CJOJQJaJh1h2CJOJQJaJh1h CJOJQJaJh1h{CJOJQJaJh1hzCJOJQJaJh1h YCJOJQJaJh1h,[CJOJQJaJh1h6CJOJQJaJh1h')CJOJQJaJ#%J&J'J0J1J2J KK=K[K]KKKKKLLLLZM^MMMNN~NNNNNN OOOAOEOWOOOO³whwhwhwhwwhwhwhwhwhwhwhwh1hNNCJOJQJaJh1h')CJOJQJaJh1hBCJOJQJaJh1hFCJOJQJaJh1h{CJOJQJaJh1h,[CJOJQJaJh1h0CJOJQJaJh1h{6CJOJQJaJh1h56CJOJQJaJh1hgNCJOJQJaJ'KKNNPPPPQQSSTUUWWWG[H[I[`gdICgd$a$`gdmgd/`gdw\`gd 9$a$gd 9gd')`gd')gd,[OOPPPPPQQSSTTUWWWWWWWWӴwgWG8h1hSgCJOJQJaJh1h 95CJOJQJaJh1ho/5CJOJQJaJh1h 5CJOJQJaJh1ho/CJOJQJaJh1hZCJOJQJaJh1h/CJOJQJaJh1hw\6CJOJQJaJh1hw\CJOJQJaJh1hx5CJOJQJaJh1h 9CJOJQJaJh1h')CJOJQJaJh1h^ CJOJQJaJWXFX]XdXjXtXXVYWYYYZZjZkZZZF[G[H[N[[[][_[`[a[b[[[[ⳣ~wp]$jhB*OJQJU^Jph h5CJ hti5CJ h 95CJ hm5CJ h 5CJh1h 5CJOJQJaJh1h 95CJOJQJaJh1hSg5CJOJQJaJh1hw\CJOJQJaJh1h#5CJOJQJaJh1hSgCJOJQJaJh1h#CJOJQJaJI[J[K[L[M[N[O[P[Q[R[S[T[U[V[W[X[Y[Z[[[\[][^[_[`[a[b[[[gd[[[[D\E\F\G\H\I\J\K\l\m\n\\\\\\\\]]]i]j]k]l]m]n]o]]]]^^^ ^ ^ ^ ^˽˪˽ˏ˽|˽i$j<hB* OJQJU^Jphf$j4hB* OJQJU^Jphf$j-hB* OJQJU^JphfhCJaJ$jE"hB* OJQJU^JphfhB* OJQJ^Jphf$jhB* OJQJU^Jphf$jhB*OJQJU^JphhB*OJQJ^Jph)[I\J\l__-bbe $Ifgdo/=kdX-$$If!!634a $$Ifa$gdo/ ^>^?^@^^^^^^^^^^^g_h_i_j_k_l_m__________h`i`j`k`l`m`n``````˽˪˽˗ބ˽q˽$jXhB* OJQJU^Jphf$j3ShB*OJQJU^Jph$jKhB* OJQJU^Jphf$jChB* OJQJU^JphfhB* OJQJ^Jphf$jhB* OJQJU^Jphf$jhB*OJQJU^JphhB*OJQJ^Jph)``aaaa'a(a)aaaaaaaaaaa(b)b*b+b,b-b.bbbbbbbbbb0c1c2cǹǹګژǹǹګڅǹǹrǹǹګ_$jlhB* OJQJU^Jphf$jhB*OJQJU^Jph$jquhB* OJQJU^Jphf$jHkhB* OJQJU^JphfhB* OJQJ^JphfhB*OJQJ^Jph$jhB*OJQJU^Jph$jhB* OJQJU^Jphf$jxchB* OJQJU^Jphf%2c3c4c5c6clcmcnccccccccdddydzd{d|d}d~dddddeeeeeee@eAeBeeeeeeer$jchB* OJQJU^Jphf$jhB* OJQJU^Jphf$jhB* OJQJU^Jphf$j?hB* OJQJU^JphfhB* OJQJ^JphfhB*OJQJ^Jph$jhB*OJQJU^Jph$jhB* OJQJU^Jphf+ee7f8f9f:f;f*CJOJQJ^JaJ8jÀhyhyUB*CJOJQJU^JaJph)hNNh\t.B*CJOJQJ^JaJph2jhNNh\t.B*CJOJQJU^JaJphh\t.CJaJ h\t.h\t.CJOJQJ^JaJh\t.CJOJQJ^JaJh\t.CJOJPJQJ^JaJ ll kd~$$Ifֈ ,dP$' ''8'''0$2 22 22 22 22 22 24all l llll $$Ifa$gdo/ $Ifgdo/ll kdo$$Ifֈ ,dP$' ''8'''0$2 22 22 22 22 22 24alyllllll $$Ifa$gdo/ $Ifgdo/llllllllllm mmmmmm m!m"m#m$memfmgm|m}m~mιΈqcccccιFΈq8jхhyhyUB*CJOJQJU^JaJphh\t.CJOJQJ^JaJ-hNNh\t.B*CJOJPJQJ^JaJph'hNNh\t.0J>*CJOJQJ^JaJ8jJhyhyUB*CJOJQJU^JaJph)hNNh\t.B*CJOJQJ^JaJph2jhNNh\t.B*CJOJQJU^JaJphh\t.CJaJh\t.CJOJPJQJ^JaJll kd$$Ifֈ ,dP$' ''8'''0$2 22 22 22 22 22 24all mmm m"m $$Ifa$gdo/ $Ifgdo/"m#m kd}$$Ifֈ ,dP$' ''8'''0$2 22 22 22 22 22 24a#m~mmmmmm $$Ifa$gdo/ $Ifgdo/~mmmmmmmmmmmmmmmmnnn nnnnnn"n#n$n%n&n'nhnzc-hNNh\t.B*CJOJPJQJ^JaJph'hNNh\t.0J>*CJOJQJ^JaJ8jXhyhyUB*CJOJQJU^JaJph)hNNh\t.B*CJOJQJ^JaJph2jhNNh\t.B*CJOJQJU^JaJphh\t.CJaJh\t.CJOJPJQJ^JaJh\t.CJOJQJ^JaJmm kd$$Ifֈ ,dP$' ''8'''0$2 22 22 22 22 22 24amnnnn#n%n $$Ifa$gdo/ $Ifgdo/%n&n kd$$Ifֈ ,dP$' ''8'''0$2 22 22 22 22 22 24ahninjnynzn{nnnnnnnnnnnnnnnnnnnnoooɵɞxcFɵɞ8jfhyhyUB*CJOJQJU^JaJph)hNNh\t.B*CJOJQJ^JaJphh\t.CJaJh\t.CJOJPJQJ^JaJh\t.CJOJQJ^JaJ-hNNh\t.B*CJOJPJQJ^JaJph'hNNh\t.0J>*CJOJQJ^JaJ2jhNNh\t.B*CJOJQJU^JaJph8jߊhyhyUB*CJOJQJU^JaJph&n{nnnnnn $$Ifa$gdo/ $Ifgdo/nn kd$$Ifֈ ,dP$' ''8'''0$2 22 22 22 22 22 24annooooo $$Ifa$gdo/ $Ifgdo/ooooooooo\o]o^okolomovowo|o}oooooooooozc-hNNh\t.B*CJOJPJQJ^JaJph'hNNh\t.0J>*CJOJQJ^JaJ8jhyhyUB*CJOJQJU^JaJph)hNNh\t.B*CJOJQJ^JaJph2jhNNh\t.B*CJOJQJU^JaJphh\t.CJaJh\t.CJOJPJQJ^JaJh\t.CJOJQJ^JaJoo kd$$Ifֈ ,dP$' ''8'''0$2 22 22 22 22 22 24aomowo}oooo $$Ifa$gdo/ $Ifgdo/oo kd $$Ifֈ ,dP$' ''8'''0$2 22 22 22 22 22 24aoooooooopp pppppp p!p"p#pgpɵɍooooogR)hNNh\t.B*CJOJQJ^JaJphh\t.CJaJh\t.CJOJPJQJ^JaJh\t.CJOJQJ^JaJ-hNNh\t.B*CJOJPJQJ^JaJph!hNN0J>*CJOJQJ^JaJ'hNNh\t.0J>*CJOJQJ^JaJ2jhNNh\t.B*CJOJQJU^JaJph8jthyhyUB*CJOJQJU^JaJphoopppp!p $$Ifa$gdo/ $Ifgdo/!p"p kd$$Ifֈ ,dP$' ''8'''0$2 22 22 22 22 22 24agphpipppppppppppppppppppqqq qqqqɵɞxcFɵɞ8jhyhyUB*CJOJQJU^JaJph)hNNh\t.B*CJOJQJ^JaJphh\t.CJaJh\t.CJOJPJQJ^JaJh\t.CJOJQJ^JaJ-hNNh\t.B*CJOJPJQJ^JaJph'hNNh\t.0J>*CJOJQJ^JaJ2jhNNh\t.B*CJOJQJU^JaJph8jhyhyUB*CJOJQJU^JaJph"ppppppp $$Ifa$gdo/ $Ifgdo/pp kd4$$Ifֈ ,dP$' ''8'''0$2 22 22 22 22 22 24apqqqq$q'q $$Ifa$gdo/ $Ifgdo/qqq#q$q&q'q(q)qjqkqlqsqtqqqqqqqqqqqqqqqqzeN-hNNh\t.B*CJOJPJQJ^JaJph)hNNhIB*CJOJQJ^JaJph'hNNhI0J>*CJOJQJ^JaJ8jhyhyUB*CJOJQJU^JaJph)hNNh\t.B*CJOJQJ^JaJph2jhNNh\t.B*CJOJQJU^JaJphh\t.CJaJh\t.CJOJPJQJ^JaJh\t.CJOJQJ^JaJ'q(q kd$$Ifֈ ,dP$' ''8'''0$2 22 22 22 22 22 24a(qqqqqqq $$Ifa$gdo/ $Ifgdo/qq kdB$$Ifֈ ,dP$' ''8'''0$2 22 22 22 22 22 24aqqqrrr r r r rrrrrr r!r"rcrdrerɵɞxcF8j#hyhyUB*CJOJQJU^JaJph)hNNh\t.B*CJOJQJ^JaJphh\t.CJaJh\t.CJOJPJQJ^JaJh\t.CJOJQJ^JaJ-hNNh\t.B*CJOJPJQJ^JaJph'hNNh\t.0J>*CJOJQJ^JaJ2jhNNh\t.B*CJOJQJU^JaJph8jhyhyUB*CJOJQJU^JaJphqr r rrr r $$Ifa$gdo/ $Ifgdo/ r!r kdϝ$$Ifֈ ,dP$' ''8'''0$2 22 22 22 22 22 24aerurvrwrxrrrrrrrrrrrrrrrrrss׽kN:'hNNhNN0J>*CJOJQJ^JaJ8jhyhyUB*CJOJQJU^JaJph)hNNh\t.B*CJOJQJ^JaJphh\t.CJaJh\t.CJOJPJQJ^JaJh\t.CJOJQJ^JaJ-hNNh\t.B*CJOJPJQJ^JaJph2jhNNh\t.B*CJOJQJU^JaJph'hNNh\t.0J>*CJOJQJ^JaJ'hNNhI0J>*CJOJQJ^JaJ!rxrrrrrr $$Ifa$gdo/ $Ifgdo/rr kdV$$Ifֈ ,dP$' ''8'''0$2 22 22 22 22 22 24as s s s sssss%s&s*s+s-s.s/s0sqsrsssxsyss׽kN9)hNNhNNB*CJOJQJ^JaJph8j1hyhyUB*CJOJQJU^JaJph)hNNh\t.B*CJOJQJ^JaJphh\t.CJaJh\t.CJOJPJQJ^JaJh\t.CJOJQJ^JaJ-hNNh\t.B*CJOJPJQJ^JaJph2jhNNh\t.B*CJOJQJU^JaJph'hNNh\t.0J>*CJOJQJ^JaJ'hNNhNN0J>*CJOJQJ^JaJr sss&s+s.s $$Ifa$gdo/ $Ifgdo/.s/s kdݢ$$Ifֈ ,dP$' ''8'''0$2 22 22 22 22 22 24a/sssssss $$Ifa$gdo/ $Ifgdo/sssssssssssssssssssssstt t[t\tdtethtwtxt¾~vrje`Yr h5\ h/5 h]2f5hLhL5hjh\t.U h,[5\ h\t.5\ h,15\ h]2f5\ h Y5\ hi=5\h,h\t.CJaJh,h,CJaJh\t.h\t.CJaJh\t.CJOJPJQJ^JaJh\t.CJOJQJ^JaJ-hNNh\t.B*CJOJPJQJ^JaJphss kdd$$Ifֈ ,dP$' ''8'''0$2 22 22 22 22 22 24asssssZt\ttttt,u-u.uNucutuuu $Ifgdo/gd6Bgdgd\t.xtytztttttttttttttttttuu+u-u=uMuuuuu#v$vMvNvRvSvvvGwHwwwxSxUxVxtxº­ǚ}}LJLJLJLJLJLJyh fjh6B0JUh h h6Bh6BCJaJh h6BCJaJh/h Y5h/h6B5 h]2f5hLhL5 h/5h6Bh/h5hyfPhR{0Jj8FhR{UjhR{UhR{hj=hU-uuuuv2))) $Ifgdo/kdG$$IfTl^ֈL S z#c3 t0#644 laTv&vOvRvSv)kdG$$IfTlֈL S z#c3 t0#644 laT $Ifgdo/Svavdvvvvv $Ifgdo/vvvvv2))) $Ifgdo/kdH$$IfTlֈL S z#c3 t0#644 laTvw4wGwHw)kd>I$$IfTlֈL S z#c3 t0#644 laT $Ifgdo/Hwwwwwww $Ifgdo/wwwww2))) $Ifgdo/kdI$$IfTlֈL S z#c3 t0#644 laTwwx#xTxUx $Ifgd $Ifgdo/UxVxxxx2-((gdw\gd\t.kdJ$$IfTlֈL S z#c3 t0#644 laTtxuxxxxxxxxxxxxxxxxxxxxx y yOyPyQyyyyyyyyyyyyyֿvkvcjh1Uh,h1B*phjh10JUh1 hw\5CJhyfPhm0Jj?hmUjhmUhmh]2fh fjhw\Uhw\jHLhw\U h]2f5 hw\5 hb5 h f5h\t.hyfPh,0Jj{Kh,Uh,jh,U&xxxxxxxxxxxxxyyyBzqz{O{{gdHz*DC$Eƀxӄ&gdw\yyyy?z@zBzCzqzrzzzzzz{{{{R{S{{{{{{{{{{{{|||T|V|W|X||||||| } } }P}Q}S}T}}}}};~<~~~~~~jBh1UhyfPh10Jjŵh1U hHz*h1jlh1Ujh1Ujh10JU h10Jjh1Ujh1Uh1>{{{|S}}}~M Ӂgd1gd6Bgd')gd2~ gd8Pgd*~~~~78|}IJMNۀ܀݀ lnҁӁԁ 󽰽h1mHnHujh Uh jh5Uh10JU h5Uh1h5Uh1B*H*phh5Uh1B*phh4h10Jj˸h1U h ph1jh10JU h10Jh1jh1U5DC$Eƀxӄ& hw\5CJh  1h/ =!"#$%!Dd h0  # AbY!w74-3333+#ph<PGZ\/[D ygbL ? jx<_:|dr0tE٘FZu ?900{$ ,1r/@@= j z%þbzB 6!Om_Rio{ˍaE"`Ev&[>]`> ?fDHC:e”مdto\> 18LMo?(*_[JJ*? $8 mC2/ .P:X=Ї<ψ%z8-LcO  B5@,'<~@xL:p#j+T5p31L ?-83݊GmL-?"1-׆zz%5&&>d}&:Hx9bQ;1I`6[fC/LM'mO@kog.~)7OK?~2g>=3Ax49{hώ*Lر<:L O\-E1Ko1`Jzrg/rзt#l Mop(lCq]2]ACnjom+$z=Dϛpc 1qo q>َΥ珏#77yg#o#`jz-)16H 9C%mfVhf#UeQNRhZKω[\zonR4\KLnE'p,1X?PWJFY=Mp}P3Na=`]y2zGT0/s)1*bWѨK<$9\ R9~}-cMҟN "͒e@9g飐*c-؆L4>X_U$'2 UӠdK Bv".|qٜ8|#{@"U_+><*U#pD9fh k(o*j{ZQ%b#3 ?{aӪ6WJRuN dJ"C(J1goYI8)"dUNb2?0Μz eC}ՇuRcj%Ec_`g»%b}tD>\xٌys$_4/!ېt@DlMIhq1$(7LE04FEck?T}?]C{+^~ !4-},gym6W9ׄ-[FO/hgL'mMhsW ߀؛0wD'c@6ǡ/\Όq6NEՁ\(zWu !/Y*DE?r؜zw\}իւ(?d]f?X,HU2V6)4ւUxrGV|@-\=U*pUcdƋ$,{5+1~<ˆ!U#¥kSae8u /a Fa6iRؘ*dgPsD8?A0G(+//j>%'tY$lfG?//3k]T4h'J FhFؿfH~4@Φ 534ӭ׵5}Q,|q\M+ `ɿ6O汔 0Ӧ]A{Es)a!m$l  !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~ Root Entry  F|Data WordDocument "VObjectPool 0v||_1158956541@96>@)0v|0v|Ole CompObjuObjInfo  @96>@)#Microsoft Photo Editor 3.0 PictureMSPhotoEditor MSPhotoEd.39q Oh+'0  (4 P \ h tCONTENTS CONTENTSV301Table4SummaryInformation(      !"#$%&'()*+,-./0123456789:;<=>?@ABCDFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~`ff33̙ff33­äśǙff33Ȉ{uqlhffff33fc^ZTPJGA>74-3333+#ph<@qL kת9 C#\"S?[诲%YBg(]]4rN895 ve4­pZ04=\Bzgr;y^khb%ht-m)ZVF8e(i..7]ԖvU9ЙHgYsELg fK@r&PZ]142u,K&'O ~-';ƃ mĸ!%cO6 簀';B( OgY?8ˀh;_j9;BE#B@wړ|B7D~_iYʶ7+Kloeh<uFeab}~wG`{;R>#_}iTgev{ v{צu|>>_3^28%6"=w|;'fʼOu6ڱߐYseu[Y{__: PGQÀ 3*ȿi4qZN%򿂟csXɿe=d?Ǡ̸'aܖ[dg8VE%_t3K+gb+#KWGߌi/P5~N߶v x7s)&7 fdZ'`> ZQ,|`R}Z29]U< 6JOPaFz*d4u-8S#7$6q8K3" gc?mEz)Pos"\1@vSy[Nj&,b Nac-b{M{CпWFƝga{d Ok̆oY\BV`wl(PtsB{!N[o2h%/ՖUL "5w˭O̪ϜfB  =O8[)4T- #}_w3?I䧣"5f Z$j lʹDffɆ. 4n N|J(!V)?%S&c'jgb#(Ii@cwxD"et ꩫNJSljR(fv2HZ' =]6(]8R/'̀"ݠB,VUʆOgfyϬ%9a]gE%X8)1?;gȍՖdKV[G?u!dм9ӿ n*23ydT$k3ȿ?`^ǹ)?!U?|'7{9zM_CǒoJKK5,%yyX}H!n3{2tVh]jہbYQ9/\ L&Eߔ=kg4CM}VQ| Xݙ3æuZhd,5:ek?ӖFie߁M X.?!_VlC8<<,f.nj[gqa5Í&)_=_K"8*3J{&_guLʛY!Yȩq.SX^>EC 򰂍B1o@ j$OOOOxxKdEJ̃dAZTάPE,ţ?W3{m iŒs%qzۅюjT:׻Sxucc}9ON޿*Jj:ɪ8niR!y>;=4)5ˡ+Ӭ}mN:/5zNi|5`d3{]{tt9# >^oE$kR8ӂ?7BkhVV{I7GI_)o^n _ao(@3dcV{my_o+*ߣ?\ $yA 'L;EJ7we*x\URT^)͉_9rLd0'=A0|?44%H@Ǵ}#͸ǜ,Ă $^fb W8@dLYF9K|m"W._Ȋ dVgNw7/JgW!}'UK<,݃/;VPwh-9& _r]KKG vI~syX} <Yfo]hV*|1?!['_cp !>-IENDB`f$$If!vh55 #v#v :V lv55 4a Ddb  c >Ap_citigroupb] |}! oA9 "' n1 |}! oAPNG  IHDR9j gAMA7tEXtSoftwareAdobe ImageReadyqe<PLTE%%xYRV*)zRkjDInx|EU uNim#"v3.|MR}P枣Knsq61#Е=I:9%!H00~^65zJKqArqpas=<V uHMjfk sxrw22uy+*{quotecg/.~..} iv{0/~-,|(#--}.-}茐lqw{hg,+|Ĝ;;gl^Yd_{OT,'FEQRe`y}@@OP'&ych=<,,|cb56PURQHPƣBCRLKO}|5:ONvzg?Duz@E,+{ggko||uWVڳяXV w|u{uutsIDATxbx<@1 g\| Sy\D 9 jxD:'!sDmyq@/2ub`&H/"&9@Q@| ȄPQ+",z `IryR5 @_tTpLvV)+=׵-ƃxs@R!xe0[ch(F<42w~`^0@ڳ u9"sB`֭ca^H[[ls)# x%,^`" M٘/k! *x Hq^^aSdxxsym!8<3+U7\`UZx#PtPcfؘ?:4RDJyj$)=ji<~\(l} 9y`9W+lkj \?D6fa%P KvM@ʔA6PMtT?n S9" tyXG ,(Pǁ:.y!FDuxayA~{N6yA/wyy>6N`G#B1B#"Wc dUrZ؞b.SO-'v33P3W^ T,sbdݏCxfJCPܐ҈{ @ :L$6G)`Kff+Lx=V|1@ss=XEO :+RDϥi:<`);6ɒي9 \&4p@syiXGgM&#G&c )[*֕1q "A[@@ A)IIIu Bnn.6}&l-?'& n6 vS)0C:#'SU3#s::0!@3qDHRbh*aacp$a`b1p~)q@ M%PBMF&8GdP{BQPPD(TOdb!?T ,1C lpS1! ٚA M kHdȪӇBcaf|P-gnjb#BF<(YsH-DJ4LL@j!X@@ S\lR?f%@>3- &&U&VVV&&5&Pd2022B8: fuMM| j\ !"AXpC oVu- pY$# N(rUlU5h7-.ڤl- dEYm!@ѽM@t n!@BDw l#l@`0IENDB`Ddb  c >Ap_citicardsb,G`C!h4' nG`C!hPNG  IHDRp-A.PgAMA7tEXtSoftwareAdobe ImageReadyqe<PLTE08(P`XpHh8 9> 31ԅf02BDʐЏuzN8s,Jr %DfVHI<o!@R>`i%etPݐIR +a)cFӎ] x,ln,X(]X&ll!?B f&yff_;<Fh1[B ip|f!W.;!=Hd6#Xu#.qPP :d +ʌBb.ZED20r,lĐ n!HE (0Eh!T @3f`D^S?pfe`(f|hq(,Z$ 6GWvVmF%\a.#AjE#D_*fY @ª b] 4̮bbBY 0jiUhA80%>!! O: 6 9k Ř '! M Dw - [@t n!@Bbw o5IENDB`Ddh   c DA p_citimortgageb( nB8ͪIUtC' n nB8ͪIUtPNG  IHDRp%}=gAMA7tEXtSoftwareAdobe ImageReadyqe<PLTEHPhp phl((xpt`X`h $x0p $ph`X\@H`d00x hp@L8@Ȉ($xx|(,xhhHLhtx4(( 訰04pxx ppȰ谴Ȱ`\|xX`848<ȨPX(بhdxp@Dpp((p@.P.XPoeTF:1PvY2Cd\yKiii0303+KN!%@2ll2C b%6nP,Uo a6nH&̡T_+ .ژ A @lb"4`T&@ԲЇ\"w:qtD- `TP@ԲPSB{3 n!@BDw -06+䨳IENDB`Ddj   c FA  p_citiinsurancebe&["˺K' ne&["˺PNG  IHDRp*\+/gAMA7tEXtSoftwareAdobe ImageReadyqe<zPLTE8H@pPh0X((xphp`h蘠`h p hhtpxptX\``8@h@H04xHH $p8@hl`ȰبȰHL08(XX p $x`lp`Xdx|phHH`0r!IDATxbPSPS Z:Dw - [@t n!@BpZ@hx, T ցm,  $)@V*Hm B%@J5HڳֺSBB5&LL ShBm'- p0F0 e0<3tP:Xkl"bm-e-#++#_55PFTy9f 9\@u사B h #c>t-#c|-{>+k&l-7#7Ph&$$?Dx-TRIZy lL@?P4H0V ,u-@1Ժ01BcZFF a!HZKj![-k @Vgɨr).)0@ Y0` Q,TYf!9.#``X#[5ZD͘ Z14 ٙQ,CX b!3F!m^!¼JB HtCZ&&^Ál9`z0EE ') 4Ym4++DAmm:{43+M`cEmkk-xe@yS!@@ RALL@ ERNGP!VV;ІV> _3FN!+rPɪΡ^+c q29Cd `-@ѽ@t n!@BDw - [@t n!@Bb30dۄʴvIENDB`[DdT   S 0A p_braceb@i{ :wS' n@i{ :PNG  IHDR;igAMA7tEXtSoftwareAdobe ImageReadyqe<PLTEChtRNS0JIDATxb`$zD^D/@Q ( @ J%zD^D/@Q ( @ J%zD^D/@Q ( @ J%zD^D/@Q ( @ J%zD^D/@Q ( @ J%zD^D/@Q ( @ J%zD^D/@Q ( @ J%zD^D/@Q ( @ J%zD^D/@Q ( @ J%zD^D/@Q ( @ J%zD^D/@Q ( @ J%zD^D/@Q ( @ J%zD^D/@Q ( @ J%zD^D/@Q ( @ J%zD^D/@Q ( @ J%zD^D/@Q ( @ J%zD^D/@Q ( @ J%zD^D/@Q ( @ J%zD^D/@Q ( @ J%zD^D/@Q ( @ J%zD^D/@Q ( @ J%zD^D/@Q ( @ J%zD^D/@Q ( @ J%zD^D/@Q ( @ J%zD^D/@Q ( @ J%z`c{.<IENDB` Ddf   c BA p_travelerslab0 S=o5 X' n S=o5 PNG  IHDR*|PgAMA7tEXtSoftwareAdobe ImageReadyqe<aPLTE 0HX` h$x0@pph0DXlPhبHL,x(8谸蠸 8 @0`pȀ舠x8P`hHdXxpPp蘴Р؈xPd@D08xlx@\بHT@Pp`x@X0P,@x0H\HX``DXPTHhhx萤ȸ8p@`pL`ht`phh|`|(P`|訴@HxXdXl𜨨x H@4𤰰hpHh`ะ@@h@T`谰qotRNS椢AIDATxb85h@1 ^ v@ b v@ b v@ b v@ bqt$N AAu\ \Ѐ;mN;;###;+WR @ "XAb`d```vV6@ Ӳ@c@ )h` t:-$ @Rpdbg-@:K@fO P9 $:)pZz?A>B":@:%*»a0\nJP\ -se;R:u 0f:<&c4![&n vJ6Q*V(d2+fS@ n Nhm`h, :@X"ԛID-9u&3ԩ@&S&Bt O:ct7'@Xl28ғ ]d) 4ąX7%2kbff9%$wJY_L3H{کS"&;KͩS@O5i'~ʞ_OJE.^T)wSlN+4YSLyXزOe=]Elf/ff*f5&ǢsJ@t)QSN9u?㔰SX$N䟊9ŗqJ@24,Ov@pZ) >S̖LLYXYxO u)>SwbSɛv6fP4M?5^Q,j~,O NPc}ʚT7[$bR,iP1 {SɢՍMfX{FY258{T;ĊШlS;O20=e!Q[r"z)/S:CvfsS@Y4848k440e<(!N j8XpF=uTא[7S1OɄscG>_SF [MSK+g*iD ZlWgx]0PFol^zzl]) !8?ި8Yul*^RD q NW 8S)NOqw/:`1TSNK:^p*P攬)SFŽN`lp@Qii:M!&ROvJ%RORt6:ߗjrO\Oj`x6~~S*U|ydı<9hfEN)wզ(o.ө"`L^3T1S էN؟R25OӃl]\\ ޔ>Qj p @ b v@1:98SpDrg7JgIENDB`Ddb  c >Ap_primerica bgcKۀl>c' ngcKۀl>PNG  IHDR4E7ѻgAMA7tEXtSoftwareAdobe ImageReadyqe<PLTE@Hh((x(,xhp`dhlPX` pph8pxx|00xpth`0,x04X0`h`x$ ((x舐p0( p04xPPX\PX`dxTP谴 ht($xPXxHHPT h Xthph,(hlHH40p $xX`X\8<Ȱ<888( \X4?tRNSс3IDATxb h; h; h; h; h; h; h; h; h; b=.fƜgl.VJrӜ< D75]̬  z9-0MHv@i@g] 1|+  8-9$gfLH@i̹b̞q̞bbi4]5/#P @fQfhuxs*sMٕ889x88dx`J:89;:dx$e|@gOh3 s p1hH2r32J32Jut 32 r12 X)3vX22t00)a !iD(B٘::;$ nFưAFFh&F=&&n #P!#X-P ;Hx#P4CFF2@ qk,DY#F>j5iLL&@ %  ̀84y@&Q$rF *:JLLL@!Z.ӌ!U@,% N NSdb1y"`q11B( q,X YLLP3tEsSIv@v,!u] AMPk* abpk!+N NcEĬ*!i<" L Dqn&!hr,Bm:Iu@4q&`; @Ϟ+сdQ2 SjGG9JGq)9 91`j&Z*5֌% Y2u($32:;`V鐑V`pbaDӔLl ^!N~!6!S^)e^^!~S~){ DE%OQWKE#(bԑh̜O}( Q v@ b v@ b v@ b v@ b v@ bC{ EjIENDB`) Dd^  c :Ap_banamex bw /ԟP1#-LS k' nK /ԟP1#-LPNG  IHDR82gAMA7tEXtSoftwareAdobe ImageReadyqe<CPLTE0(8H00 PP`,p``8pP@Xx8P$h\X0H`(D0p80N N `ZN \N~^^ii@N[dLٿ?4~T @8#cM$<@vb'i;@+ɫ `Y"Hs.XE`2q! < tZ,4T,Y8qq=t\2: hEfa\h,品ea<â'bw`jD޻= ` F!Fw5A4<h; h; h; }T}IENDB` Dd\  c 8Ap_diners b ~i~pvz u' n ~i~pvzPNG  IHDR5kgAMA7tEXtSoftwareAdobe ImageReadyqe<PLTED(<7mjO.?|#a-HT^\rd/f: n*nPJB7Kmjnk1(>k]fֺj2 zp'pBCNm8DihlBCr ւ01*.GiD “!/%64oui`3i~œxE p;Z&ޖ 5P 6i0ZTIFFimHFJ,4" J`i )(ϭ Qfh<|` fBŠD!8%2 Q? )=o£Û+x ?#$2 ePm &MU,2.3hioliK0ңNXOSpR؂Qn@q; K8Ԧ:Ԇ0E&2 388@*Klr6+W8ŵl\é]ʞsMUFf* ~BN |uG Vfƣimp$Q UK6VŴݜmV`ʬJ@Q 9Ow[jU  T&Ӷ@QQ#f3ŠEY3:OJm4O!^$N(o~iqr:ӦLSRa1f(3mG>/j2 }f:Ӧ%;it "ff&ebc(%"XAFG&iӸDqr1*)2Q (Pcɨl2m5 L@60Nb i]r ?d9@E|4&y u4ei|L< <8Xm47UdF -.^fFT" H9  4 H;  `a{PcЍw#0M&iP`Ҵ')Ar@1Lu t+ON1 $!ƨS+*) ?& ev4G()LZ IvXg@LU*^²\ 9Md4Wi\.dk#3͂g&1(fsVD\RI+(xs;N.T x@ 3Ya "d[vO8UE0[LhM  ĩ r@[̴~Mfa=i<.$,զ;+8>ip@BetfigF\&^ &Y&Q.6KF `Q( ̐`,# @d81L &`g8yڴ@`1;mQ*0b5 ϴ 2 ;e $ %cizRViӦ)z /1E 2u@4I;`E(/+ XnY,؀Ut~4dhx=Ā4!i ̠ ݄0"+K+Le&cd6-M*YԞ`VOlU#٘D0 Rr1IHBz*Е%N/@ x 4w@ aԁ$"{hIENDB`@ Ddf  c BAp_citigroupamb @2˖y3*s}mb ' nZ @2˖y3*s}mPNG  IHDR(zgAMA7tEXtSoftwareAdobe ImageReadyqe<"PLTE@P0,x pX8pt($xp04xh ((xhp hx@8X h88𐐰x|蘠xx@DXP@<谴`蘘px( pl؀0(p0$xhdHHH@x`XHT`\؀|؈hl( p`\`hPD`d`踴XTppPLL@訤`𠘸X``` h(pPTxt@@ph``0(xhhHP8(p@8HH`XphPT|x84pXP hЈИ\X40XXXPx HΒ4tRNSpIDATxb: 4 j;`45Ș fk *: h5>#32n V@Qn a1jofr0t@aw@ ` }P,02f\OFIL%_P$t:%u#F'@as ,3$nZ& 겈 @0x!lQH*U `c#q+nmgg5wV%3";7lj T [Y!d8 d@30l ;{+D-[0mQPTĽe +P5xHt ljfݲI@`SB^N| S[X]nbbt-Z[jm٢ Vk V-[AH i޲EĖߚY 5q7Hb [8R -,ڢLFP l;B $Y`lqEv)ɺ 40q"e9@Hp2EdK"u)9!q⽅u-[A: [4ԭ(آNr+$ NRDr%e­|$@Ñ\,[ d2la6f`7fam- @Gjr3$8%Iv@ *K0֭"́rA[\ *C e a9` HYHs@Abe[ۢP0 V@ 3Eʕiֈh#J~55pa<'(T0:A?Z ipnaP'I"E`X : V&; G ?!(imlK!@u֭KeY%mMKs ohu֭v h0r᷵)@:[mZlmđ28EĬ]ޥk`)a3hH^hְQ;j& LA[l r8D1Oܺ]bHy*v+@,Q u;VgUNVu*>[+ j9;mU S[%52uHn.VPxa>}I[DJĤidTƨ vklc^T9^M[cLC";u\rot *dtv@ UNuϱ6/Rk^7W%{ L?i?i䒭o]}r@`p2R!8 :$,Q |r iNk@q@n?Sm4u@\Y@3[e] dwK8@&8;`}MJJ1Pp#9`2>AT?3Cr 0ԓ;Y2:@|" QL#A+8@>H[" 9YsAa)kϞ$%fMPr  H6ltd?#HT꿦I( XQ,%$?+0_z;%‡WcaJu.sD_w/5It@AmL@d2ZZk)$gCj$D==>5@Ɛٔ x_\__w7^5BepT@y[SDdiǐyxR6l3VXI pkg`rdZ)f(0rޞ=讂I\rrsmyǁ@}] oboM se:Xmd0ڳf9> G `Y_.~b.ᒎlM!ɵ #W޺ʕ)@?O[)(ȇ̅'L\2r2ݐƕgnT,c "C*|]vs ,%E/8_?kSjƻźpXeIkUözb0j#}Zn}e7pl8p>!su]G)|>!vR3rZ]AQ5n]<rlU :sYvq5onW+ g;r(6n _wOfgMĹZ@uuʳ‘|3o3lF\Ļ+nΌuṬϙ筜6q|ě[ogM :iR_Fķ|~ŻU;+f´ƺܐ|oTjMqmUYBpȽٙ>!yӽ¸żt`D翲Ÿĸ:t>uDtRNSS%IDATxb? 4w@ h@pЀ; 9өN3N"i""@@ʸd4V.V(1 P-[7M2!kD#"m coRצp  Zn D;  f W[ BP품v@g)P׿qeg/FBlA?p,N~:X{Ɩqcg=*KwLi dJe%s&%$$" ¥9s 9 ig] J?O<¶Ȕ8Rդ;lBxf;9o 0U ;yV  Ю,2.IHv$Cwh|*-%JCy,b 3 0/E;@-48@ p7b";h*DHr@Ab2'4xq@$ dAL6Q<4b_ t8X]|I H6tP5߇^K{`6: >]PJ;T ; xb:w' d4CmR"P$|iS?%>@$GeG*ˁ~+O 3RÉv@Je?dKSIGoNHgms>< 1S| EjDj$fIUX/:'uq QJ(GqKy xnX9JQ1*; kyci5Y]RA"Dx(wbLug Tek`Ma, *r$#yև=zm̤PfJi oh5Vd^19XH($H*3 $THg([$F Skކ:DԳbKǫbEpkL]ߺ}W݅ptمj7쉚7WEcqNO!JGDs{F&hO8e_,!E+%T2A[^4aATaTr# fYyB +հPR>^Es|m9^}V[VXn#*Yyk@D[39l(֦U.(0,dϥX{-!pQht m5N7֨a z΅ -q?<-!J(  'ʔw.b+ħ>g_%݀aYT*XE>X{'5kg2p8slvnmQ[p]խ N}"WEH>2XP 9栈ε陪ĎXUqVvcN?U/li $r3>^bSI6v̽]zjRJ_,p(9]b хG NiS 40PWy#7TU !"vPpADg-=뱅e4~o'}fCӴXLN`>] DQl8 ³ʹY4,NcbQ+Jڱgy2Sdr3Bp_ s B aD| iلEҰj5 vO!Fukk:iU$m6S&gK<($(B(X[S4"t E[&ByuߤW- ͇|n9ZT<>EBР"h {МǶ3P*5ౣ{/?~YQ ^ʅpb oKRQ;J5$1Q3iؽQX)?4zFMZrZ]b;Q7dGoW`N&bPJfSc."6YPDLDo/^*p|eb)  /QR9b-ݫ-{HLDX Q,XTT"L"fsEE-n'&Gq,3Q{z&PQ8n_7&a߅4iBCrD5Hύ+~2jHc@⡿0lo1]CfʳLUB@>TRA+vZ³2SI.uRZ}c u8k{f+6r[s[#JsarڅP'厫hT`ij:˪:$I  > $c[뇻E} T`&o:BI[VM5x'<]w/\⽌k9!:NJreJjY^ :PAҁzbuQ?kq IŮ, دz(zFUvB[=5pȧiQ5U;6?6;V$7 ?(G7!eD87q9|TR"1yf|(N3 ԭ٬|Hl-M>@nz prҺT5 brPYF|k.k]h֨f4,BZRk\CBzA:A_N-HAL#1]*ə0UZ+pw6o!?;EmZ:UF=r*FUӬa@ɦN"}j^hr"ۊ(&|znDQ(٫ َ6bkǎVPI/Bbq,A֨C>&?V=8Z"(GN-`obe?5p U X+0Njf/Dokq|}71&!I6h2Q!`C+  5UFBLd1iWFmDT>an[-bR@e4Pd48&Vxk"(B>SMXNDQsڀp`5Rwγwzzu^Ez'f!}A%<FYIn6?62 -Yo9ӮrF:t6P󕗲'_*QY #6" wX 9\|DF1 >*&]pjtSx)i04f }rɘ:Q֨++YYT԰ esBF )"Z_|tkz[Bn+59@8QG)$]"T(7pMjx kM7ZM 2L8ƣy0?d1-C8߂_jnq"i|ݒ sqB.M4;8SǀUG|g&nA0{ 2e6_ǽS)bW8]{ݽXo%]mEb ^pPI5*T>-u~j ,̀d*&/L; 2eIJo[]sPĴ]mo`ҧ@Ⓓxp?%pn4CQ ށX&p{0q_˚}[ҟAPtM}ַnuV!`F& VHwƌ> lwm(Y_zBLԿc/ !܆B>ҋhF+S^QkkgMv@d/pK7a,)8Ō?!{:S?q cȮyEh5g?ۺwR}@$رꝙ$֧UAUɆ6ESիMQ]Q E/$AE6B|AivD5#EzzoB hyn4&~Qe7LNHIݛ[D֮ [(2Z>[*Wxp2eT },WaܖxN$vQ̈́dU!l}g*TT]6=w|INj$Sf!"C^g9`]ZbsjO#K"*zZ-iljM;:EP=jE9f}EBG?+b*A.C ZzgUAuTWnSCf0DJu{6Gd +(AU~ڑ>['d f"=`CcH0wmH+u7$xABߧg0Qtg OakHV&CbXana ҾmQ=jMlᐊհ>-K2~5j$W+"3*[jJSO\ euls ;q/Yw%V&׺-xժ{*zUs'@My[QPJ[aDK.b!]1vl9D,ܾ;g +&LE*+}_9WTͿW5~רf}* +a[ktbgv9o[j԰X$0P!RM<|֨x+ nU()^*QãTTI3l:rψ"M#x-jVcF *DX5< 4t'ŕ:TYt&] G&rnϼB dK5]^=d"AֺTP:xQ$0;iryyKG~[p-[Tyҽ 'f`S9pbx%,f3}AIp* M#{ҴYP 0+* @"Y}Lo2y4كCDG2gLepW*dOX܉S_v}D9̱ Мtva3-nCQf_j>yMl}^tv}F0eFT] "C(d+)*Q }3_(iQn.SdwI'u:R6LӮr5e62wb~i*kԉ `{~!)Mj闈: dSgGfgRT}dH06QԹuR|.ѧ @%mhfQspB }J8QZAu|" "$`!=o &BL;<ꌧwjp oZz艨pe>sSW+QWɬˉ A3n/%u_Ծ.t)uk.n% @"꽾M͞'&=sIENDB`VDd  130  # AbU#BI?b<(lU' ndU#BI?b<(PNG  IHDRxsRGBU IDATx^ Uŵ* -4 "2Dq!( xc4&Wk"pkFApVAAd5viys~vSjWZvZ_u]Cۇ>߾*;@_G;@@뿎 j9Mjp.џ>1@A }q_iuWC`?}N[RП㾚&7/9spb/!99jpiC!PsH}qq_iuWC 1qC AjN8;~~!p6;mɯOR~w8A I֨wtsuShw8h|܉~qv7xdȗ_23WOUոy|/ /UNh7uJf_9V l\ |^67)"U"bSL~xzgyf/n ^^];G֯Ͱ4;Mkg}Z7.>8=mڴ9s搬M&{u*audzs4R/jm۶:8d/]fZj1;uS_`qMMd[(;*}x~oZ՟fTl`]EkyiGFN`eSOEּ<<\>~՟ N"ɒd@ ŧ=M Ke/$ɇxVpSQʒ>Dׯ;wʓ(v;s䃥%Q$BvjcOwO;[޸zնFUPiG;v<p±%W zjC|'ui~:t4-pClڨZ43S:z~W/;;hpQh͎Oz r\XȒ=%K#qx ޢ\ M׿<ɗųg툖}NN"n3C#펾͍c6v+KܶDٳ_^G}Tk̝3,Ѫi/ZѣGvmtӱ?V-6.ɖ\-JT:Vr=_;|` MSXA= 8c[{{EZߕg =-XIyy/0ˡj@08Fu>GWjPkK2cUָW%ɇQHH|f߳~4IV P/y8 8W]}mzu#J-9kFN8asA-Rv=Jj,zϨooP3lRu}G0Ք?[Cϥ+2$ꅷW!%]~Δ DV`$)0Jyv~e|ժ_mv+25NO$q=}Pg\;Dm5t]yaARB"9?ִ>"*oXW{;Jj,nlp(¿Kw|qTHRԓ؝;wю}jmUlEN>>wEU?[oU}f)E-)WjV6689My/ Hu\zif:hР?z( XB0eJ;/kw4LXs™g@ Vne#qlm`D&CGK.oS)^8}*hbt3u 8sZf,zEYY٠3#ʕ+#x6fHcNe=ZyaI\)a Sn߻nO-_YjY#Gkf2Jrj2#N`|hȞ|JhYA:8jk )rf];ҩT<4U;CZ+: fG'Aq-% ?6Q)]Ē7"3lF%2mj&b[86ms8Ǐ<'#c߼KNޒ֒XN5α'ɇ}¤gtlG:S^SYTRqRV!볂t^#ȯmMv.P^_avA:_Ѩz{6w\RvL_ޢw֭[qF)EcԷ77mR>5Sn>QǬ..]L~{|մp&HA3v3ax_HY A>}_1:Ȯ_U$)JaQ" wH0YqzHI#g}+i*a@%Ƒ.F6vw|()/-F֝pՐч ;> vt*%GO0 dvE}:?_؇$`wf4kexi~Ŋ+q,攬ZȀ5nܸHYئٲeˌf`t$NʪH fOAʭS}ʢӗ_~y"u`Cs=0}"ϖƚS_ꫯ1E}k%b }rݛ[3_DZٵc!Wxڬ':<8Ҵ5]>,8Տ_fZ=6|Æ ~4 FPL"UR)ftqǛW.]9 ]odJj3#9OWV߰St1ٯM3tRVEo1Rkj.ܹ~#K^E|Zj'oL/l[ڱu 6s=>*bҞ-jW/$> ULs"~nS~N/Z/ -Cբ}t@ 3fDz8rIX0^9E W*>\3ioӣ׵َ>Ƞk )7WBgizܩD>^yWNmQ_ ojNQWb ؽc-k{U4w~џ@mu*5z)SBXfa;$L > ~PL 6d\MP;ruB$(F[ VWC!4鯔e{!p$B 8o^8/Y營zYNͪ3f.ը]:$oc>Bs`fm;{p8D[m>9=9|ds?_Vcs\2r8.okK{T^Ң9o<\|v8gOzgF?(s:U|RQLz[4 `b':9'Rf?qݵAs 2'N9֙:igٗnnjSO?lD:7ݾ!~j+pδ_nݺR+akDSzYQkOҹz"df5D_}yէ/~ӦMO8Ғ9" ^!8iҤmЮ#1ڰu6!ͭx]mڶMiӲ}_X-W n ŀZWUu`Z^5R^)*ի?(WM+3%aW5on.L$vvIV9`DБrK}y=NPI|s;k; =[#y7Rw,6=zsLXT&Evm1ۡh;3{5Cpq/=dg i-Ԙ/gfo#>׉vu^^^`&>Z$鯯;YqPRjD:o]zf]3p >?]6v͌&[\N&?[~t%*}~ /'<ݑiZ_WΖaG!(@p:#.];آ1>昬}􄑿ī?^k׿ڎ{ݏʌݓP_77hі6GH7.]`zVg׬Y8>s`=MzYjs&lksȘ?wxjOfZ3~l{}˭w݃|o!)GXKWxUl&ٍ.iOdgf J&ē=eE+?[f̥_6ls.<Ιg,,$ke͑Vz^pbΡ[U,^}捏glָq5n'Ǎb:>Z5nч^yu6O3O].iϹϷm\^{uya6yՅSLLI323h 7gxz㋂ҟYj8mƿ_̦p苫ȿާ-]οȿfGa^{u<AϿ]JBl~4C6m50|M89L:}6| 3׼X{⟧\l/{gGVuuI$ƞSo Nm -,ۉϿiFUϋj vH93kzS9\':u]I̱1.n9b,Wfru/x}vwf q5Z`'֘\35S(ѠA(Q.>X@G21 m`S~#nlD^-x> "/6i>w<:?Pĉ^qrLs\QDM }96ǧ=1O4nn5m#2ݱG卪;753v'7zQD'`qmn-mõ9Iht ggb8(ɨY,9@t&qV(/D>X,dZy׿2xޚ#rrg!ծN4y}j>OiX}X }i>?F3Ƌy#'6Mܜ3D 4<IR> wMڶx(n@W?n/EԸu1HDp3KYY.'2'=MfϿO^kJ~=Y7$ć?G,\2L,@5nޛAM 9[feUuc[jٮ1{=>o:餓*F\YÑ&}@/Ƃˏ="ˢ!'=OI$=ÿ 0g Цy8 +Z9#[OU>xK,q8uF.\]*v:A,YscKpi >svvHo=cdf,х>_q؉f."2ٷ0n=ɕ} ɣ:3G]H6Zjėaٜ:~IkvbGjۢqÅfGyLxr3K ȿ}N+։oo+v?皓;\w6X} V/7~w]x3VWu9u8f}hOlg/}:?7=+ݖ.3M8hyjQ#Z8rS`]Ѡ'~F_3MI0{ Zt;Kw;}ﶸ\-ӕژQlm75 /ݲ[=*-qSZ)?]?QnU:?;~KUovҟ ;gW制!՜#]pX Rsdw|qyM= -(]/0g^=!'hzس2z9l7 %'=7w)m\9}z~0 t nmڴ5Y/˧ӽP+r粷{^p5hKV~d[{{'?c~&={W3NQfO\uc\yfoLmtt=PR\B"9GykNYAzu '"nkp)8= ]:=g-[Ǖ΁WJ;}]lh26a!/ĭgjj*=WŢay+sܫv_Zr}F^$o6e!X2%尽=gD¤>5zúoǶWZjm,٧O./nci=[.m] oҳ_4:oCR=M6 &dre<@Tp^a^"ňM/Rџ>D26oD=G?pȋز?RDC&.C!Pcr*_Oe]6|id5^m> UQQѳq\S^-5`6ToRB&+dvȤk3 .Fl|徼O~=p8C r}.C!5qO늸@$>Gi:@rsWZu8"(f9"жm >BیN0C Cp6_WpC!|qk㬿ڮ@F/r8JG߆@F86C!P8+6t5p82B_FG_鷡C!2=p>J ] pl!CpWmjpd`s9@#>ӟTÆS۾}޽öŋ7Ν-G7}m|T׭o&x$%z0oA׮*N lȀ>ΡJvX6r$1O?!N,/}=|Bc uD# tZZs^Uczȷ󗨤iq{5X>m): p/KQO^}U/:T쯅iDM@Ǐ1Êq`.ƏOb f29xGtnI)`"%!//PʀY9R)?:> /H@3c (@!QqoSnrn,z )^lYvgKTPGOF >-{-.^W&K>4qiv[" 1;>˜L< H̙zd[ocRV.|1 BҠ?%LۧZ^{M"57P*&p5Ro0iuܲo[WhgQW\q> #/`7-7Qs^se1sydrmJс (=EtxSf {Zl<"q@Xm~k-FWkBpe; oY_۰!E"d:M G  'SP}՜fd>%?ye7s<_"QqY]Կ9{[Bi s 8Z9I9dp_)p`GR~D38"a@)S߾|^S%Tꈄ **5L_v^0kzUCogxlwV-daGl_ZԨg jGҟ ݘΩ_e:d5XBu3ό[U@GLgz!|a x *<qL;WM!S 'BO)+ 95PYji PPCKVe\rul$ê{A|3\,v13~ڑ $MtcWGРs%(sCR)Y /ÀY< Re<`TAA=vc>P@M @͵j@9F{ZԱ*e fȂ |a](JX垔o9QUW۷4s)X;F 0,Rz=!1耜CVl c\òe|eB; v0Trӿ)@ڸ2")%sz=CU%̩G6IXwj'eۖ-{Ր"7} 3"Z[O{^R@HYm?p&ObxGZ6__0r GϺ̞È4GVAL <7%l@2 | \B|uO78RK:G2ȟk+s&hxJ\/$Ox]t.=V#* kEu 6$Kryan}bOh%j;m[.78SvZ 90L.c][f^s袷j Iޡ7.˻B.TuEiQ]2Iqu}0  | gYTV p%Y m\10Uq;')TQ>,؀Zi PD똄@nyo4X^cvHNY8`@4e 4T k궱Xs,0JEuӣ?-*}\SAG`A]c|PiqfEr=5ILLT5XF|_WP&XqcS=[+-pm7/Vܤ0ZJW\~YΦ!2~6uDG,'j>b?eKxDrYOXAI+{kQ/3y%!wZm~,niY5!.zXiIӞԼ-!=l8ѣ3Al7^3qG𢝜/VlDrX~ .GAǼV$'Poƻu6 [5nSYtm-H:vӒ$#LUe`IHؓ@7_ye(vl>dVL2?Zn]ѰQ&)[axiW刴* '䈥Fdi8%$"6[@zȨ,yZ@0qI.Kzw΢]5zޥ $վ8:} r_ld?J"ԸW#ҕOԞr=lJg,RN*YĔ:/{ M Zf5(&!ySۧgIIzU)-9+p8B 8e2MK!pGl'C!wbWC!N]T@pw]@8pvqR9yG_!v8D_8IpGypGl'C!wbWC!N]T@pw]@8pvqR9yG_!v8D y^ȩߜ|L\$!ck|Ɂ:.Mu.)G!V=sP3m?]|}x@{J*p t nLΝ^=z?Qe3KqUX~ݯ~}BڔgA8@9أ[AQXЂ#N)A3TG{ U b>ealI"%z:6nAhb'5M=[ O?%o^ ~_ #KǜdkB$aH!ctoLuR>{B[{H_{{ycȢ+GUd9{Nh[AAM`@b+q]Rَ)hA:d[()uҧ=duRRo)'`nwMJNy~ZMRO~)q5s&h{,3qxcq97oPz2zfS^͇б> ]w)%MA t$4olU_l$Y}Y񓸏6jEz!fݬY$hFoFfEPI끱@$}|lti)ނ:lEIYfѨ 1mW'=s=>) XB^жIQI6ymI7B9>}F-(H DK&H`<@UCGE^ eg8jP6[[Wmm a{^G S>' 4$Gv[eÌ5Qqdqp_㽏HcdEjry'y/gꃾ=ܣDV32ejSzС}j(0񚦢\؀1ǥ>9lЃ|({$ %#L0ѳmJ` $$İA`؈= O=Un4Ho~ 8i(]{5SQGC;z~Ec$6}|Wk($5ݞcc+C>[9edOdDG*"Pm| R638JY\V;S:_򎩏XB+݌ǭFZƊ[PSD2^2c e F"/"%cmj$lXVt :#>{C5 4ↁmuĆ:ZKjx5~7u6Jg%'b| 0;T0_4,D;Bob 8涎IrKA,f&+HPFkMGX̢|U=ߊo2K2t%axP'M{&Hk(.WZqcP%_WJ'c1%VK ?~F0RʧޔoWh HNLP+`l/ r㣑 (yDW%A))6@f4::|td~Ӡ4 %HAcRٱ&q7Tbזݤ5X> %n5b6]EGj.rwȪ_?5j5+dm=V`Wn7 GÇxVSX h͇ - RhV2!w,M`S`g;TL?4Y>KҸ 3H?K=W{R#T +~MN* veD׸(1PТE\ ?Yb°*$)9*c@?a95" J&β Y><(wEd߱!v1IKJ'.kÚ BQe$4e àyMKCA#QԀj۽V%gpwu^k9ܧ`=Qڍsc}?eqvڧ؎2"&ubeؽ獎>k-X)} CJiPf 6JpoFڃ3 o汢Ly߾D2E>2!Y[v)6{zfud̟Ay>q!2' d}a9,,͍1oa)z_̸ L`_p*^ӶXW(~nɋu̩> 2S׎6)-Q@v_o&vmؐqRR(mH%Sˠg]ѣ=.naA6+M /*Ƚ.evy9O1WP4[4rU_譠o|Stȝkp[c?x5='}mV LZ uΦI:KS7/Th=_#R6$AŶqoLMr*cl}rϞgj4Gg : bÔuj(h oBkg46WYEK. AN6H*'w@RM8uKF+3,d2ni+d\hG6R,%w M#Ҕ4\j^<.x=@)sjue҃W9)8{=oaLӻR^4aSekrLd"Y٧O/|.C!/7ORl@pWD]@1pWL]@pWD]@1pWL]@pWD]@1pWL]@pWD]@1pWL]@pWD]@1pWL]@pWD]@1pWL]@pWD]@1pWL]@'e+99Q־*6<4AJ:[oLdܸby6f1"v^k:o0$loܟ;~篿RMc/9|ܹ_YOݺM]8ӆ F(q9;x"@~"_}eKޚQlm(]L޿R ?V"F+*xg[eG١CN9b^a=! (8颊oi:mny6fBW/G*61-[,u:gsX?v8 䍳ʹ 対x]ƶ*<`Cf@d:,݌ҁ}64E@tyے%"oTLS n9rR^_H{%ÅlHE4KtAոjhEjry ے{cʇ9,}%1i\W`(_,:ԆLU>l}yTFԴZpmϢIDK @QIz eNy\"#Im~7BeYzbj"kze^];򥌬Be)^"w8jiEѨg e/LvZe!R֡ qa+bʓLٕ2" xޱ*;RĿ^*`"bQ6^iD(f!Rw c)Io<;-+ͶebB?2ң`Ã#42N{q7㯸mcYYi\3{ew,"Dڍǭ%&<E¯i\V );M>6Q >x6>,T~׏.!w,D<2GZܽiګAEyG ij}Y H. fl~]^NҜ?[3ǵLKʾGN$P}kHLhN?B6|GdvQ˒|+C{{GIk`mP*nxـ`&-$E`hH<)c55xz@5=g3sZD[w|cJoЬ&-(fWh2O\4^'5UC{6Wς*2F]EE]QZ# 5.ȃ dAd1F'y iȜY8菱wr%fjPi#Z .s.ʢ`P4)IMéwM_YOs.zOp_nQp9B_(&rUv87!(+!(:NC88+TC8+z8 8R#Mp8Ju87!(+!(:NC88+TC8+z8 +RN$ѡsaCYB8UDsa(16A̯^c1.,5J#ss ٶЁpT*n E>A}TKUM14Uރ UDX6//6 Jdl9 9%F}FErV>6_lD e` ∷@vKouMGڲE+2F"%=A8v7ƿy⯚XMV^v:-Gas}͆ QTM d&="KtJt!fmQ߾5/|c3A3gH$TQt#QDq/U-oYJ^D2,Ng'U7nFXЮ땲Cv2HiῚ\p el_YkDX{*rqdc-mmtor7ԩv^B>O:XĄQrD *DBo;Aυ:ʹUw8'OFOHqY0q|^{ KNh5N@{BG*Aѕ3ckLYdjӠG.{!.-|0g+VM`*dlTJߵw _\{-d;V 9PM`Eװ$hnKoӁ7}p`Or!AE-,tb pZL,۾"-(fzH߇0 u@pb%JM_pA ԱFJQ<(Aa*3 =c!w!3ݟ\0\WLnBۘXI,50`ʞK%aWAՠ9>; ;駩#c$~/sELzjTEmb=0g]a|z[ա) rT;q2bR-+:&9Yۘ}q|0ϜV*m{]V_(Vh9'3>l uSϷ%} 2iªy\}@EP/*)Aˎzтt:Z|䑀=]~ODbu.ܗWBަA/V./Wb){o !nMWZMtܼyZ(KKv܂B(A 6o\6):Xڳo%j$Rms5D ڍ 8sGŶ# ;Z ݗoBަ:&7{*W7ۭATn\>+akXD*WԱ5KbĎE|E rв%k4ֺ5K&(yOێ݇m~^͔avHܯo4%<&e;jn_#g7fIvŀ_W^=oV* *mⱞ+>a|j$fXi)rj{*Nmrb $vߵIbV ujj:jG{~ ,glq)e6>M/ߦ?Pc v/xZZR}TmEQP]t C/6OyS-Rl& l^#sp֔7/R~ĞU!~"kн;M@xPVpT]@ ɉpG@pJ@>pT]@ ɉpG@p)^z$Hأ+Gq+mڿg/Oo_8ž}GrGׂ9wrT͜F/{Bsql@<Ӊ(CNK;ԏ ѭh|9qth %~KwT\;!y..6+t{{x*sq/0gD!7/Ai@AWh`4 xÜo-aSN{ "y ~H=wbڏ%bipI+ɑ:[rP>EV (lSO eF t=)C,PzKφ$1}}RF.>ߵ9uf)AC|KԸW31Pۏ 7YCkt|G;`-bm}}fC(No&(VHO<뉆,j N{J $vqfLo9YP@<5Xy| jCCmv{yݢ}Q{>yCu۵# fhvV۶m_ο)mͯB]TtmwM@OL$ ;*}"{c Y"3DvP0S7 .5X\r@gטv򠶼Ž̎WOy%6pXJb0+O Z_y~QvM0贺jsn6:4lhF;PP'Y\jv XEgKAcƨQ̎D܇PV^M%|mеV =%Ex㎓ ]P~7.%  ^A'@C [}wEǚnsez̢2Kk%sa@:3AQqDIDZP.(Ϙ~]vbnܘ^8[C 7lި-;ͽZڋ6WO^{L-YS؏jJ "L&L0Ϗ?֦F큱WՃZjVO7>$Ŋ Sp$j]^NV͋s_ע5KEl I*Uk?vU֮>~Z 5kI4jQH,Pw^eUgӟͻ= PxPR}j HԴޥ>P 4+bv7HA(f_g3dnoQSѠ{BWVME}1a@ },MdH˕3!K5|1 @۾ނ2pP) hlf |٫ x(AE#a@ ё>1NC[@\>Pʁ[C!rr!D/[d@H}pN6C +su;E %9 m9}2=p܇TIENDB`gDd & vv0  # Ab9gj滚&#ni&g n gj滚&#ni&PNG  IHDRx^sRGBfIDATx^{Uv(E!_]Z̴]j{bӢdpb)TSNhǚfbℊkI88F|9 7u﹇_:w^{~^o~=s洇suGp:rV<Gp:閙g^o\rӦ~c{RDS:#y4?d!y__p2\GpB/xzϜo'?Tgϰhs3ϔ 6wnY!zF#t%}1{쭷d>|N(p`Wk\,9뎘YQKJR>('DK鬚:#%}1{fQVI=`>ٲt$4\{k5k_[n Ex1yrH G0Pq O?]U#C#8@h왩Sgˡ]wSHm˖aB x#3õΛ*P`m3·*ΓO.̪Ba'`nBp>#8@g98tɒH<'L>͌f[n>߻YH8g:7O:Ise]|{3o4?|8W\ŋa-Y9#=m7=SPe\PWf,98=ɓm˗ ͘kij_n"V.鸙3_y ,SIڿxWڊkF(A {?ZqGGkѵ9\6?kp`uB>erFo|@p1tʽ| >Bn|H1cWC=]+neڵ<4uGmEao?Xn[/dR'8+e dT̹eԕV.$򁗟Zz$rv2Gp~Dspz8#8#!<=61tMqp@]k݁k8# nvpG(C]mGpGpFg C Gpv!]:_GpGa<7 'tGpڅv!|Gpp0tpGhwvkWye$,zd@7&N%oEwV]5La#8N4X eԷO0+h8iӲEя#%+@$qPa |牝rmp3@6=l3Γ\Ǻ+ D ]fGpڍ@GgHf{ggi.Y{pcyϨ9s@)Okih Gco|Yxs(rG 6\y4KB|}{zo 1ѺCnK)a*6tDMG{{G:ld?zv_ϧy<$Kh߭{m Jp.}iW<~i8@6+VތC{OΙ3gz i!{0Q¸b~<'eM$TȖJNqB#9?{-_s_bQu$Gq+Bl-[LNIpG@<{Nz6nd9lYR[)Yc6)Bcmo)?KS$Zk MFN$/K唎# h칈vz)=ubgwwpnKUEm*"PN1yU"&fA[{}ỵ;7Gp6{N?5qw]|q8Ennp~ɊZ$nFnOVWMD7\04ExyʶJی4AZn>sh$QQm9Sun!S%#L. /DSf1'27k }1pB% h`m2 ;O"9PLdIJ`Br$7&ZW.Seꡗ_NcْO.D7 *_^z*=DKQ`Q<4l*Yhޟ;W.2>G3)mSqT 2HDPac̭)4@ p13o)/^vԙk.+fώ<;SR-/]waG{i֌373IX$6 TrꪔxUmFWESP>ЈoyH* O6Y r@'#F9M1#2g$ Z+!H \f& vmVATMiRVӳ^WIƨK)_qEcAEj0$vLoEg*$C5e9m6~4PF+yģ:MJFfh]V>EvwӋ/9ޠxhȥ86 L.#kرt É1v=/G{ePD t! CWbxHR<6ys($iHK/lIpc)DQ4FGS@+7 V@$*\}7YUS@ {2wrAa+=7)mԑKW%hаD]R**8Gn<߰tŋrxQI'+.gh<)]2WєzȑG:/֬a+5mL7%\u{V|{; JXyʞXq"JMCwlzg 3iPe`+axdȅV '|鹗803>Hn^iFA^> $ŭ4A[{eku:>ZHّL۔t]hc2u% Uß݊yi^ fI%f !KhrEYk̭̮$90`O}zŭf., 4/\HM+}Fǂb!$\-Pt_>,&"ak_&T^BZVKʌIm4lr2ŋ#Џty~a̘&L(KVA\tk)K5HivbWԍj_,))ȁOk2)eL(u=x"z-+&N6Zf\Ϲw֢PT1Ʌ稉)܊8kV Lj}z ]Y[wD1VV-Ea8(xBukM{N,ʨ4+v4Ry;#t'ruGp4nt#8݉,WpG`@#y@ 8#НyruGp4nt#8݉,WpG`@#y@ 8#Н L;ULӊw0q0 KKхTViukU7+AgPU *AÇG <2AXWUA7Hrhuuر)F/G多ީ[%@shv}H t\%"u0w,,RumUgϻ/ఇ>V;9Bx R$05eӋ/y$+IsDpr ^ͽlڴ&O怄%ȜH#sT:zoR: ܯ/@uIGztȅ)l9P!sItT+́8K8N&QvߡCS4%m) hVqiypHϪC/zTYv5~uL{rD_(h,1c'8 :GHNq(9ic[èa0ԥSv'F3\Qw3k)G39'L=6ژr tr|3idPɁ{iZ03F#B;::QN%6ynVDgX!ݿH}_@çM%nN`_BJ~s {.:͓K%%zTclp>!Nx !]|wީ#KBŢ#wJ

ˌeOo5R_[bA˧[4F t[c]o@V%q\$ܴ *7iv=lOsYöep> oӧ'<,2% p] J0"r/YL Ucr6Dcu֛} Qp.JI>^d>"bǭ2mnk.RS aUpPeawnU_b'ڨ^Uv)l"aT]F(BSgN,%(H!պ8V۷H+4D` UoIxB.HhmT[xοkΒviYSn|dF (0઱JR Es-0{|HF(ƿPVg6H<37s] .Jq?ңU'5|{8,> oYzܹ6o r/o}5__}?!'ߧFO?|Ϡ$!瞫G$~gw_!=xb?ej̓V=wCք|7c 70#ݿ ff&nELK|/ܹfaEF G'~\0Rǎ LQ'(=0+) ^qr,]?f@1sU1iQ } IUv&}% #L+ʀW< u r/GT2e3OpRaڳv^펏>"nRUźO?*`i 䩐GꚒ5uA1⣏>]y +_xOJj5p8U gB3?1F T(4Яb dMqo/P$(BjQͣGSoyHYnF· .ZD!.(?AC)f?V s˺jFr(2I>!S A5 ^z* s V/7nܿ9K.aL)PdYQp:qenEW >C.(!:&1(#/AF:[+(L침.ct e|Sؚ oh0< :)fZƼy0[p[bP Dr 5`ʗTs %`k}{ )BNK|qQJu>*d:tZ!6\#R%@zI+XbɄV`( fUKt{7kwhn?k`;ѡ|FDA3+TQ39[:̐*oQ_E7C.d+]q~JA1&>$Z쭷{qR)7ItQz@mUU#Nԧ8~ѱ:D[u/%pI']ChscBxRYJ-h9Cpa1~r ԟ$ND`Jե(B1/-8 3h^hGfN9(B-z"P]͜I=ci:laUWOZГ;SVdZXYRBai KǧOJX{Q TzLyp-@ydxU =d"Pms%>]}σ\]dJYqkʘϘPpj^u<ĊB u*ѐ4E] JA E6ZMbւwO}9uхh0Ae)頣Ao I(1BTXu䵕w 7k{u|FfC-NY e JCjE5…^(?cR2ZANi{ KYnK #DyB닋EEFaV@ɑnT\jue-He< zraC$.5YޤlJu,I=xvU꘮让!4W5O毹BZ4 ^ݠBDE%y]O^>,J9Ȉ@E.ؗd-(`0;,/zOhIVZ,(^jPr$7>(*aH(l0F"k0vQZz j߫?63=FaIfLC||,5b@Hp{XQN<1JuJ EGYJ-f1diLs13N/5EH=0钴2]-1'6`EȆYNz=IɫhXp"*90#=:cX 3IeE1p4LZ^{l|EJdcVccEL^hEk^E='S޾hQ]4#f~,-{kFтs8#Z3H XNkK0;7 : Ew&.wZҢ4+EjeQHm4##7i—*Wf4su鄝XJ N1;6amW]Ldf7Z0JmXVaXUVIfv_ϓۏ9eB^ȓF͘5--$i]c_3 ªfhT+tʏlbǘB'Lܰ!X+r7[,W0#3B+<;diT<;&+ ,b7\cW_^sJTU܇9ʫ%;RϥQu-=X~!|U"'SmV"#G*NjWLe+[*εk"fo]h$JM4Il,sJ}8rs5)Í|(@eEJ-& KTA6luUMK:Eecl F楈NȍOTv 4 %ĥ+ASԎ]"V.S舄7 uU4>e%96qt)>[Ex#R|"u Q"t ,5guruKJĘCDk9[FK/? 1ӄ|E;L4>E")1꒼"NQJR-W Yghji]Zd c3Ȅ<8kOt59f$=Y+qzgҺw:=w\@@! tَ[.qRp󜂒8@Sbz}Wou`w M_#8@!k]W#8G/CpGpuE 9# |<2t Gp7]W#8G/CpGpuE 9# |<2t Gp7]W#8G/CpGpuE 9# |<2t Gp7]W#8G/CpGpuE 9# |yϟ\58q#CVJ8d„"յ 7t;w7K`UqK1BrPXhпYWpH ,PgbK\l+CJT`c,Q8vdis)/G&QI$PC2F 0[_]48|kK/ɸ3da"WPJF;#h:gŴ,ZI!66;-;p[ #?[ntb%۷g22(Wh')ɐq%Ȑn}Ր] rR_g{P0r|{tsѹ+~Vj@}Rp-Ќ$B@!Q* Աܖ-h,҆-4$KfQs58C}4ufVm-b S2jxG .}iW<_kuv)ćON[t3E\-kQ6,;fE{Xʊ桇.d%SO:I_&ۀeUϋsY5jf$:̈qfA&[;{Up 0(٬b;׺zKߊBp·25ā|}I^dTĊKa#xǬCM*-l~&9 õ-+7aTkyFhblp㠖)8vl `M5ٵw*dU=˻8aβ,?^?]>S2*o#0m4W\3΃/3gNQ. ̃u3k#0?z"7 ٢< iWT\"Iք (w-m# D*PTXym_t| Mf!,UE )#]z&MRQ8X7egvXT{P z'h Y@;Ȩ䕸g]}.4vGtgKJ5|-[r8Q.?tGݛ%I' .ǧ3kgֶd+LQiFܤ2Cb`YҿfE>X)ȑV,l4޲Т/䧞.'wol֌SFmP*z|,_t/ /Νፕ>i={wx vk[L!TXO>M&Kp}TCHԘ 1ӧS"5w/֮{(k0t k%mG Xk::X1EWԙ4>A'n-ONϑS$i2jLʻ.8>~aay s@` 5.$FI߇wn*"bìΜH[od P ץice#XȩJUVzzMB%O/ ]~G&'WY#(;1OCT' ;4 qQ5F"J;_#*P4r1uL&}dQȽW!o0mIF:#P/m4ψrWS/ZtN/+MnXA[+dW*5$7"cI6>}1 >,_7 =@^ {\.ȎlEfN>yܹSCpgT9="WZm_Vުe sFWvKQU7>YEe.AsJdH=V3ja qV!Сgæ;om)Z9(^6~E %#;npc0ftt͇.*?L(ZDM0Ǫ.HDsgϡr$eL] ZLѸ+#L*)Ɍ9KIr}$[bEm#'G oIOɥRMekRsnUŨ-:\*3rG Z#"9#tsGpAs甅K8#B^vlrGpWH{>#8@2N GpBs_!8#8yN GpBs_!8#8yN GpBs>Ҽ0PrUҼ2;[gE2&)b֘ͤdٚ:@#9p9&ә8A(,)=:}@g3L>h9*S/9\/<Ͼ[__po,G#Qfo8m'ְRp79%:Ik/UGqa(Kd){Mq /x#tnBd)u饜6s&Վ7xxyA+Rv+p4gr5vrON,HX# P</ɣO:頳ϮKrq7ewCX׺V1 I.oye ;6W5q<]*eA2 r/z9¼|ѽI&g%N8@y: ƺ'a<8bY[nZl!3-hl}/EVYKCD#ŀ1D<6䧞r1*Y>s'm,Ks^jPx}4r0/Zt*\Hɉ %npAfpD 'wf<`}?6hjeƌk޾|9LݮyA&oqgG<䨣D 3pov\|ysU^{ t _ditY)[#kzQI$LL>b}`з~pm_e7Ky؟?0UWF"0#N:q' =:T3ąɻ?# Ffd5j1:nzy8;T(eB0LY_p: M;0ʮI{yףOid'z/&Eّ;|udr`eܹfu@ax`̤A{|`ؿ7ΝF8@ pd$أc0merl>gh 3yeڰH@Z]Xl5޻v8c‡ģS'8[F~=(cϕm0X2 _ٸyHKnW$9SBpiDa5hSՏh4cef CܒE۶A+V"aMWmib9 ┎#$"=K,^\~DR}4_;>6D˴~CDq.+Ś5Xy8CydbB =sO+--X{uLw#`mԅH | Bÿіw ν<ʚ'CQqP20Jo^ Ĵ8 4 LCs^4N8@%cYdM7%p`>B'햝X%iS攃zz"X}GwyB\YYM=`xݱjUHԼ967 Ip[@vmr acܚI:*1٥ 'PROMPkFO8'S޾hQ],⮌netM 35lmBEߊV]j 5h̛YV  O;rcBa @A4̩*xAL )8#8]h_3 'VַpWF7AF%ǯf_z)d0΍IeQ~U_?SjL/#=fMl^RK[¢`=X`^>qܺS ",SRL xȴ`Wh<*\ %(Q"J&>spP=Gh!nVXsGEN5c sS8X8>HuQTd ̖q@Bey8@cBZc)&}7Xm3}i$uBA nsuUR clN#Ȃ!gt8@ qصH\4.龱r_Zؒ(\╫: ,0˱JyCt)r:#8y8#tqE9#8n8#8+pGpupG8<      !"#$%&'()*+,-./0123456789:;<=>?@ABCDEFHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~w\@#8g#8@!rGp<{pGp:7W$.#8#Gbwg ) }YuuoNb(HE(%+]"wl#:'ؘJ%q}K>re*Z>{ 9 M/(Ȑ=9ʔzٌHaEvW Isb9O<;!ٌHJKvʼn&g n Y>sf"2\ߟ;ײЋt DT;Og?a}3-wun=m5o߽qRh#(8C3dIҢ纄,wi-5IRY bץӋFlhfCun(nM0gUޮKDT%U6EPDTRvVmL-\VNw-j^;k%YWi%[ _o%Tw̨6N?>R\kuiɓY*+\Sr2ym2dZ[nG͋{-"HYX9sG8wFg%fj%np,ZCuLZY%RO@܂Nڃ9'76shf//ZK lE11x)yyR,奊Anܵ^s>8!2Kl#9z|pേHjO$5D*/:q]EarGԄ\:FL@3" CjE}{6in!,MMJycEѩ"ګ>95)\DT&nuL]FPa.01DU>G)2@J0,"j8rղF` R׿R^*+g>{9Dߌ"SC/,5Ka,3;f;>1aBԑD]uRпO򢊘 +A0%%@,R4ϣ"ZFT±@I ~&îy!يbcofAO91;7𓇕 \y<s^mvQl0~:zG C 0k04Tz+\~U4гƎVMW2!Ksk#(L:$䦟Z̀,A`l)Z*pxaNIشr㏓&3~xFEՒ\hYZ\#00"W<@:Y`7M/jb8/1(2>[hņvSYuS|dCxtzWO**:ꨇ ^RЉO^J71bpz\z;."ŲҖӄ7bwީ$.Q = zSkQO=_40egaHa >EIICO,b\k McgJzY)јk;|몎nxAp㓑J"P(iMxQ8/C>&!y8oy^u؀تWb&Y70.--a0Tl]pzȐ6;fi >TZ؈AŦM:fˍvQK%: &VLiYJS rZ шH?U&`uL-q_QF!1h&JR^„0\aBVτtXTE'zJT)-|9e-jC؝i̞ɄzJ!_ /ikՍꪰsZR,.eQץF#)dfCV.5kCl&7t^67jT ,rGK9E140mtQTg &An *JʢG-bzd ͸^N%":csÆ@ GBl?ÒV{}jzg\W8FWDN_juyn(֐TqF"as&p W`Z.1ް IVFfDـZsZs=/+e%׆Hٝ 6v%aHLQP <u³]OQMitH\IӞ*-\muZc5!/Xѻ:^@-'s^8Am 0MeՁޡ$:%.a?"ШPtU<v-p@/Z-A]YؚM(Rk|6J P$6JZR\p6I.ͤ䯬*JM^d5̷[yKʊZBP]n7qְEа }9gGK^ fܹf#8#P?nS8#8mFמ wnDXnuj#>{n#p nUw<{#8@g#8@!rGp<{pGp:7W$.#8##8#qy"qGp7^GpCs 8#78 #8#Q৴!j IENDB`YDyK 9http://www.citigroup.com/citigroup/fin/data/p030529a.pdfyK rhttp://www.citigroup.com/citigroup/fin/data/p030529a.pdf5]Dd  0  # Ab\tqN-Y=n\sn\tqN-Y=nPNG  IHDR,OsRGB\.IDATx^ י&\i?~<85,0_uwpVq&͎OzL'L!2?;CBҝ &= 326{2vTӧOܪu=USu{oitHDk"@\hD؅]4D+ z%Aih9$E,?x867,̟ppo_iٓ%DŽ98  4W#N4n'tdX%3Ë !JZ!D{3>>zG$i?ևVS=~BeCs wd*MtZ)QVϩS+:Vp1%6CH/}26c=>Y9jDŽ eR"@G+c;p_oh锾Eؠ%K!=3)pyGVpa DŽdU)"Q>d t.JrS`;8&wXíp/cjwwppU{.Dslg!RRa:"PJ)"9.sQ`"@@=RCCCu EDdWQf[N@+uo:oIF4D$m%,2""`Ǖ1O>8jԿ3 V@d$mr"+\Zj^~Kl+eAX@7nK D8Ǖm((1 n+G"@@UW*dN@l{pYsL凭z4WQ @^A. <(#`(D$AoNqّ/4a(L7"Pq1c>~79nQ99~#"J'N\?~grƉMwGW u1xblKB Cjǎ񣞝s+F |筶z$h)SZ6d8A}@9֬$1:u>9n8At֬Yj\1?Lbq(B;wT+1-#;UjP ^|{Od<ÄSO=%Y "vm*zWPbFiGGٳH+7*BW-+8; sxԎbqkI:g6l;2T$ P(>zu co;rw0wi\8HaNU9 >bZVNFEX& #ROtr]e$A!2Od4ۅ8+CzxzQtg0$|g;oO!)I%8| 1cHM6J ouZDU7`Q ,@C C3s_ݺTqƉ_{M8 @26K{{D^z ,   }aƴi7g?|kO(  yB+}3`o^DëBlӟQKB=+Ëxg_Ro{@Isp=ݳZC뼃ypy2ػݸ{3Nj,(#D pRAb JQ%A^)wpfGG;:Qn99t ܅Π*l+eUsrK1ccRÄ;]Y!@7: ?`o;#ʆ;K:?{=wfR4gWEO8K(ر5~y,6˔zև\cלMQsu$"`=^iX=p!'lRo8#|+X_ m51ָvk1t26;o>9(adQ88sIB9'4C/7xί;M:pRg]&XWB+=|V"'w3p?|7ǜ+YqVP?/C`ͨrHi]] Sp4Ɲ+YP[kή%]ɘW* v8) UB9YmXj !^ SK%SK>Z$p.anLF@%^͗_(Vʤh+affM/nIoJVOC|  `}@YA]?p'0, C@Ԃ546q] n#i㟬~zpC;﷯,kvrGd*7M@bԂ5|7" nHJtCSNsl L*zj st߰~Xf=EJ֗"G*ô.3&$"̵HX:K5YT'azqe@YGβ'GpU0 ?Jva[J~Q("P]2掾۔yhѥeo`ĶRl4m[@: g˗\o;o% R>Uq|5f2VJ}'AqB+["K"PRab #1JQ JxTJ*LT@JspJI;{:&7OB_͐eFDXc#%$~WGIy&p\ 䶴>?sݷ? Ň.;X6{p0T90Fȳ HXy'G"ꗫ._=?cǯфGdڴ3g'мHL®0[|~@y|=p{Mv~k7N/2,UIa#IIaUP;@ ѹU _Ol8WmKB . f7=zWgٖo#r <:~6X ]6_q]:lՎ3 wlsGn#l}',9lA1$Gag 0'[J>t_L0}D)^W F:ٝNKDމ_禤a jy1 B%I*zXv E>?Bcޠ5tS;`Sc^wfK ^WE9Kw@G2+AA?L$Q|.~uSF] !shw_BJ$LV ]ôzJ}`/0ɼB1riF%U9+w'X4o3գwo>~=l)m-vXXIVz]%C]"C I[ >G3E7 ո͒3 Ev>K6eUY5vEo<1቎iiq㠍-~ߛKeE=L2 WTh/0Y yZkSybqVBС k׽+#ȉNkHMKBF EXu_q wM|C06_f " )FR%U8KVf$b>V )!+xC09'.5xvx!oV_PO5,j;S}aϟyf[M3gD| Dn@{,痩}f5't@[nC~L!?7p7!\R׾<sȑrALA%-JL"I,yHXnpO]/9;,LZU~*bi^Z{p]S x$撈]z|ߣs3{]BRr{8B "\%3?Zzb>;XTssB7{:J{S]P"+=Sw;9\T$繬k]3\<+6h; p$eGwr^) .V3Kڍ_-ZƧL!JR G`Ճ;n1IW}2WT z^r{pاLn={%f^8KER ۃ> a#&g"^iIp8R`{#Sf(D {ĒH'I0= C+x?"s=y a|Ωډ\szQmrT.>5+|?,\xP‡&3}' ,lf*"@@q%HS.3#щ#"5ʌ+&%E'X! Gz%LC|vEhD +alBmdJ3LW%-J AudJ((8Q6TbeՇ O@JA 7q8妍ms.UR"}aɷ]vԩ]]. L|"@@N=x /..9Hp!y"@fGhMW&h:ah =;"H^ ͢Ϳ2^ΞMFjHCDsp^xySpkS7~"@@yOUC$D$JD"P=RCce%鞍%qՓ(2$K%1^O]ϙ3QŎo*2j,; C+`Y@c5l|ECUO2r&D+=zXW$?`D@Ij7Ydk  D4 ~IQ b)Jt)<3WP5+K ŭ!V|F=R'Ta6=b,y f3#+ُ%$D6pempf.DDEEX4O=}Zf|)A.G@o+un" !Ȱ|#rJ5yY\766B^0 }l!AÃO,&HuV@*$|*kߠ* 'bA\ c{P 7U!) O6x$־ R!aww7H-[޽uxPŤݒ\1AY *޷o "4r4p6X 8H&  AJJz_ģ:z+V([===&, whT# u ,-%|b>FODadS` dP` $%GCxPD.\y*B 0r4Jʫ@&J==V !Ey@iݺuޠ*TzɨtddHX|ɲLVkRJrǸfZ z!n3F0pӍRN,VQf{%4F+"no3Jj,KoUcTDAt*s',Do@ ݪ+&*&0Vs%^)"36_?^QXFSZI'08'GU|gΜٴi'QeJo "Ao^2j ([Uo'ɈL U)kIDrB"\FɃKR,"@*@^* vo[ww % DJA˾0U7n1] xDj >{_r8c*c9ZZ>^ iȓ"6_(xg_Hp`8"@ʀMMa!l=䤼bqԩ"O"PJk׽#Լ(ܸi$DpegvDAh"D؅]4D+ z%AiW "`Jv"@D D.!D^6@]+٥JCmWK ҍΞ: w:MNFD=SAP'wZ7MʵbꎰUA8)_Ұ/ 6tOV~}o$r uBfg8Wx#2EE7{i2G~cǚssDvGD19#,^k{@Ӡ$! rE@X4s.87o8fiWcqo^hFgٓ]+ڜvS 7o4p. ?zEO2FZ] ѥ_;S gUU_ѣFd-Y8fT&Q‡ 0Iۼȏ$@HosVKϿXft[(&CP K?ᦐL*m ^tu ƣ A8iɄ5^Iʃt윃AhЏKS&;LJ?N]/"\:I>z"\w(@+Kz%Qޙ3fϹw|Ex1^~͏E'VN[6 +M[f&IHq @b"`W)SN6&ɛ,q0mL^rmX3):X2a7 ο;>kf$ EŠq@d+MC2I15_^,i8oM|ΐ MG8&j/^ \,|ݺu{be(1 +ƑK:gVLWzJflWm]vB=нUDBvO%t1U ݱc*7b^իWАzsY)%mG | אs w-ZwuT*4oeJ K9$m+ɤhܸq0G 8p@r?uԈy1/~! pw[-w}9^|{O6 zAZ8xo!m"_)TT*p6hKyP?*>G2gi:!jWYnذA9{7|'aFvӧ1Z2s x}P`pLR'?Oi;0Akjj O;+Fo} %$Yd *w}W=aT*7c3qcv DY& % P|8%8oX: rʔ) bd*)2t.t>oB$#%9 (m%鵡#0DCs0aΠW-#DЭdJ]c(ˑ`mM6&@}5YOih(aCFk@h8Q'ESpzwbUk7Yh2K?DSpzJcZ"@GqHDd zL @T%D S+eJ]z(E$B^)SꢰD+@,"JR%!ilrAIpgwek*JkUC@Lvls] ^qIwsRPgvvRVC)ڇk9R 8v&0CKvV찮_v֮q+ {y)` XpYfCb+١}+|m8ߛvK)lD`FYڡ,P˗ٳlLJvhg;?6,M;6"ПIZF޿udJi2uZ?;B0ߛ։N@`<46:t7nb 璔;3g!l+١SlC{R yp?%x3ٽ)i'lm%NA 5]R* )Wn5!9ǐAw f.PXrRZHV&s߽n&MMqX# r=N[΄q֎y^)ZeJ;?wZZ\'5z{/U]/8jOB0a⸒ڡlEBӯh(~+qNks% z%[-gz<;,Zpt5geh-gz%kUC 1w-97q;q#zuvA~Y^$w<`(ɴwr\*S,>t~Q'|㣶򉔚1LFziy.bZZe0}]J,Cw+Q`I"ɌI4t9[[Dr@TWVQ>N7g]Ewkt3%7"P蕪jOڔz*6UdiAy뒅|"?zO} Dw?Rf.J2lOS$3{c 1uF ]7ʁmjHWSXtvĴF?[: 6}G:'EC^)N!Qg"h|]qIH4[S,U}DWUNX4d+5t5.B+E\TֆԀ a吶fMCDкeoVR10KO]g[.3|!pmxI6n}U) RU`%b!w֙9çj_bQii*E鉀LaddlGPh F@@o@jGS@:0AQ9=Bp7X\)с[e<~͏mC)\O WZ|Rx=`[)>fL'nprHpss xh"l+ZU,5È a rᾴzZzbs8R`{lwUEp@SF~BiZC o!@4%Qpdd'h}o9{݄]:lVɬ6z[L ssќꌀ F.4v߸e`d+yOI} ̖UE]քB6JI'gƽq 0A>j}c[EJR#YU4ao;ƤZ߄L!qdt>ΔJ(l$:#YjUETXDҺHJ2s;Eqшpb,"P#4|lHy%tΜ"?KoR[x%aevǭ,V-KO2@^룡`#&}$37K@6ȾW& hD؅@eM@R v!@d>(  J"@B^.}P"@hD؅]4D+ z%AiW "`Jv"@D D.!D^6@]+٥JCmWKz% v!@d>(  J"@B^.}P"@hD؅]4D+ z%AiW "`Jv"@D D.!D^6@]+٥JCmWKz% v!@d>(  J"@B^.}P"@hD؅]4D+ z%AiW "`Jv"@D D.!D^6@]+٥JCmhD Ir ~pDn c2ZSmm;WJ: }t f]j~*fPE:*^3k"@|͂WKz%@Xr?{,{{{ׯ{zQ1AV%axPtᅉՅ r FЈlh.HA؃)gexvww#ߏAO߷on"RÃzqbABCd UOOLTeMY @ϟ/AúuA]00KZapA'IdiET1ݻw6Fdg_aP(R%RA A]=O%Ucn|SK, 0 B5_[qf4Lj,A]XYyc,Wqt|0&ck ^1w)FdWRE!~ e+  0 BWF,K }\>Fl-k#ƑY0$T%WҤU2%0D˪W 7p[hk%"5R,>;E&:3Ttl P=ңJ]tbI% wGJ*WwVVAG1hMO@A ӧO$  .^Ð90ImnnF#+YI{ay@;yߠ! в?~|%%֭[^90G0Ŷmۢ[8%mhQHU/z=5HldZFeOx[). P}By[Pתz20jTIO&4)=NqXL|-AfNƸ4"X ;zjN@ 7>-ƲqX|BR\> p&4Rk9Fu%94*JvKIی l._K2'>gD6&hN#^hYJd, d.av9 "+!nH-PE=(GluKba&7bT0 _wX ##VƲ_8J0]@ 7 [4xR,>8t6-*`0(f}l6X<~[Q F bФҥ)^ƿrP7ag$Y+wkЛ=e~ arQJAda1x%`qgAy1{oL 2@ [=#c=?/#Kdd `W>(ʰ?t<{b%'(l2Bv Z'}hxֽqxyټLЖAT:%` "PlJ3gx])G "ynjqGO)M3otV.{3}]Yecn%KVQ_h՘p獁0b 1V,Ed'Y ;i8S?w%A_Z+ɒ9|qB-"@4lj+Q1DǡW"`544!DV@  z"@hD؅]4D+ z%AiW "`Jv"@D D.!D^) _>FlF%i#P +={]~].ڼt钡Z7ۻyf!B566"Zt $FكTzA(%qMzBCeud$v@օ\t TRXmJW_}5HPBY H=‘#G`ͣG^voK ŋa"'O~O-upÆ @9ݒ .]t^A|b誏+'xB( B+z7$`={FT$B `W@JEΏ݂S X1ݍ ]b/^tO::OuG.ܽnqڪ"#b*D%c<;hx۰C1{!GR)*[ln,;or$4%İo۰d=0Fi-X)1@W{h%c@z߉FF2X|"#"PI  V#@dz(( JT:LF^jP8"P@ tXpD+P,2z%C@W*Y#3ilrp:p{;&k#^zvlso] ^q=ԁ7xݟt.)bb[bPd]#K;M;&bc[{&akMz%kTAArM*TΉsw$#q㜉} %>7n<|p|vܙ8m otpЏCggzs ’&~?:BtZøu_O)GဖWqJCh55MsFRGN?Al86Bɕ# .GF%,88jYVCr_ݔGMCJpGj1BڑBdRtG΂O{AJj+3< Z7@^)/_p)Ѐjl^B9p\ o:S9geß nX+E.:Ε2/pdfFw xw!Bmmmh? O?48]܍#F}tyfS +%TPq%M`C௽eЕ>TLN&/ JǼV9b PۆsO!Z U|0;JdZEV"dM@JJu3f  I8N%`Ƣ'}۝;{,)u~+ R0KX^Fv@?-gŒ_%e\lH81CqNsΨѮX h.镲j;caENk]&O~ږ4 b%$.'B>I!nr,]2"/l^)_di"#`||-v߿xbсQ֬Y˗ˑsD Xd2ƒA~-m%@a~&jK,Ɲmۆ+uOOτ un{{{rv+M@W@XMxsPiG 7_ۑ@1WC|̘Y\J&ˋDz&'#@d `/ krkD D+м0HCAF"mo!(kdFBNEȏFF^)2TՋx% Rqb?+kR_1'{!ɌMJzLi'-_rw#Ę7HNL`[&6P/s;&AG|WJJ8=~1o.p$hٓ5IV!a^V ua蕲A_[п7:RQg]H)!@dSοr^wPb+HY[_$TFZ$+'OAɂ^ f1q؍Ji)WAjUKG=; ʌN&RXbm1/lhyWAWXIr^ZRqd@ RV'5h1`j82 A^)%E'jI)!G^) s WJy( Jih%Fmeȃ<@QWXh(,[[ȷ$@Unҗqv܇*ebE~ m-E.)dFxᯝ=nJ}\b,'YJ)bUYN9b۪9RL6w4NU8E:vM|ϯlR+Mڠ, }GZu-CB򫄰Cm>ebϴf+鶋Qg쬌qcڐ_wկef% V[ \{R,{%c7_vvls e}GZcwZeglq$ۥcdYJ^{ \SzֹkRBΘkd?:s.K: wFOhUe+$Ѭny_pGZɢ,ؙ JH4IE G^ awd\D | 3IDVUeÚ@. PΟ ?\TN?{UꐬB3sUQhSNN-;Cs[|0r1(/jp" (Ltڥ,)=0QKR9'L`27~5ZHO˜ߌC3':b у3.*aD `߫1 ل2^)]Х'(bg0]!ɍb\h.l{?'r >D3H"#V~q*\e+E(`(j|ِVg0B"W05sKB>6%WIBc[nU!RudC &>ɾ*wd/:厇f2 ʙT dƶ32J`,CvNcqWx ~'j9mΚoO I˜bl+vfZH-1` }{k OpԜPzB,t# IG,ܲ%l|^NB^@!.0, }ȍW' &ƃгkl49^):f A@^rtĮ]l qOWmKL@J&)v76/?' z%HMAGbGB S 7d#qN{E'c `crU~c+W,YIXp$=;vnOT]i#iR1q:UhRCn,_EWJKr"D @<2?Hk5+Y ă&#kq2 Vf'" @$F#2k/WHy}m@e#bOJ6i"XgB(+1kD qZbL*JIf@w 6Hd$6F$t5gjHMWJ  ˗ٳ^w4%#{Z\cH|DH6!@d6(/5}"CK.$@YϺ]9tH6!@d6(/8cL{NWzh;\W?zpzܮLA^UP_PLJQɱZGI} 蕬QE@҇)NmE^VP."PT蕊y؊\D+U,7z%[5C@QW*Yn"`+Jjr"@TTͳDVl "EE^g4 B$E ?x8"1Th 6E6+VY>:&e+LfMhD؅Ǖ!D^6@]+٥JC@f֭[9C!v}hRٳg ՅH+AÃA^ACdl?"0(Ȧ3ЛrJe FUPYxPeS X6iD6$!t@:cΝ{0şL9ufxPjmmE-[޽uxP/N8D}g aMdl)J  #0B՛oآp%7~&^a:h'nb PDy**S XT_cـЈDJ$A ^xÃT3psA;GOt>^NAž,Uu'%`&=(o&%vn,a|婯Ud+BwL0- u!qR^)GyÃz1'MI\gHKAqFa\adZ0֪WzUg"ZLCeAU,C#SE%& ] |$ȦX תYe]a&YX"0z1h^-(lpS:B2+`/ܑa!|2yJ嫦Q 0 : Y%0|h4^ Fa]}6 3tgYFQV*׹q\8"P}ڃ>2́ @Tܙ+ A+6 z%AiW "`Jv"@D D.!D^6@]v%!D_xz5.$IENDB`]DyK :http://www.citigroup.com/citigroup/fin/data/ar031c_en.pdfyK thttp://www.citigroup.com/citigroup/fin/data/ar031c_en.pdfDdb  c >Alr_en_bb_03bqpE=5^L' nqpE=5^LPNG  IHDR~CPLTELz1hɄ㣥gr||zdcb9xtsrMJJSTvUSRDBB][Z=::\HGU&7-5Dy%""623칺-**#]A}lZfߺHnml !%Ϣζjih遤몬ݦ1-.(%%XVVŲ966pnn|촵?==𐑏qpocgfeGEEOMMlkjwvu_^]~}Dsyyx_ ihg)¿0b``ۗllk /r+'(:882/0RPP" UOnkl~B@@M%jJGHžJHHkkj300QOOZXXpbKGDH cmPPJCmp0712Hs$IDATx^y@WcqDGD(hmVa("*FTYDD0ۉINB! _өʐ3gQWw ;f G&w^א}#')`'9Dͯgnȷ3x|tx6"-gx1KòeS?6!%gLI\do8,qʌـԆϏy/B.Ce.r},1fڎ3|DBv,ɉ3Ƽg̘L1qڌ3b%NI#oN=࠶0=9788,8Fn{|Am 8&_LG.2ЦkΧGNSϞUmcԤv& ODž_n*?1(psevS O$j},%rZJ̠>]YRA}޶Ӽ[ ;4p#55:"tw*Gj>U9qq9Eqƛ5qCIo;An H@1F,1ԛdԯayؐ\nVFYy]&Qt>wkk(X ,cN?4jnўU5$*Yc _  TCbƊA`txg`񢨮QϤb6bZ/:M~RijY<}%oDM Jy.+_óѫ8['tT !;D4KCF[⒨oʫ 06H T_- \JdڢWYS{]PHq\"ڨ@ iαFj]H:ˠLCkJ/in~rVj>YV%ZGpuxPBs%pZS nOh{:QsQY @8geyJ#< K]Qi,[N %T2pޮzj#4S,quj7AQMBڴz'+qLnZ(&hhأu>M&T;q·ޠc?zN$L&B/gig ^YPPV/q0)[PUڴT@yp8.EUx eڠ_Ehc3l=&VxcʶPsZ,"fNR9pv-?];au"s5ʫ۞ ÌV0!.ݒNw N(J9L NZph!]{"Vĸk9D>*uݵk=Tէ8[¯S/ݱ|Jp!he\]_M8񦥘$xvgR\hci rա"Y8E:K'BZ#=x 8uJ5?YiHpLl*` *؏-R,H^[Qշ)A0Ohf)Z'4o AMcCiaLs`Mx_Vr«r0X<4&:L|rLS~NkJBPXW%ѳ.nWw|pߖUJ m_tzᜢ|Tkaq6^W(+ N}s|&mF8C

,A]yS|q@$}!=~*3Y2W(eEPs/MUtE0$2K~+9 q4_ݍCA]q*ZrVͫ1rHtݠP?)ړP ((Z !g`Dd`R-Z^V[PpX4Z~lSMsf '_1G@x hFo)E޼8P3곽 I!RS]T3@r*Upp2CI->@ kd.T8 ȉSf]N\2ӳx/uCT_gR$l7pb$BR'r ┸㲴f}w8,Mi5{k;yxZ=QW 9Ug2%J}Z,_,}\S;* {5%hŭ$"t[;(1R2_CV9'z1p.iI6?ПLa#RFhkxNTsJqƄn!]0=llf]]U"2^g4^v6Ql& DƯaZidaf|L)*]&:3[p>i4eɊ-)7E3p}O޲Y"ƭѧŻd "G@NGQ)மw% |J\ganA#rD7S&;_såntHL:s{XISg*X'oOZJCֻFL []M|JfX^OX餢nd "k'A.?+975kqKF.(( v%†/92M 8Kg1@@Zv' :VE*8u-6bUa-EW ڥBzQbϩeT,锌R Ŕ2Oҷhؕ: Nrz(YzHGq|b`{c?8 _"5g7Fkmt['%7}c@t6|3%.Χ{|yw_i؛m9ۘIS 2 |Ie_6 9?;G?;zÿy:o3&N|aAmyLoN6gNXd^mߟ8M/;bcXը#GFՏ:rd8z`NO1GU[9>k`GSm1 migOlY1ʎn }8Mk #X_؝;<Ǯ+̳;rP?~O8crw^i^c2#/QŌEέ1&ߩ/߶;vS[~> +cÑMIè:!MQy^_'go_x\1n_{ƕgZ!mn}v|09>֧m0vaN4̧ \YaK툽מw'fK'FF b|¨y-Y=?U aidST77gd\oV/uir+F7U#m|y2QL^61 '-+&a/LݒJjOg͝EN_X"d^6|6l'mQ/mi,3!䴚$ijwƉ꓃lWâP P:>S\ڡvdžGodw9Hu_`7AS Alr_en_bb_02brnu !R L]R' nUrnu !R LPNG  IHDRPPLTEdbbᙙk][[tsr6vECCrlkjfqWGx\(9MJJ&MZ HTRR=::3iA}W522إ6E+c*''~}|Ҏzyxƕ@==綷855Ⱥ¯PNNϘ!\||{𭮬`_^^XVVgfeGEE|{z]i߸Ԁ~ưqpoߐ݈̿wvu蔔yxw񝣡0,-jihb퐐/rommb`_N}DŽ ZXX*n~;oB?@2./U¿CA@$ !:78M{|zt~301JGHJHGׇĤbKGDH cmPPJCmp0712Hs IDATx^Z \S@A 4UͰQ?""P"*Ѷb RK +X\Eۉ" }y/Tu[΍mw 8]1Jۅr~{{y'н:ߺ޻MCas:s؞Nܾ> Z6=qܷ-2U:S&DG&srvqFyxqOD&sjùJ'L@IN;>rqU&k9J&8.rUλu<9f۠|{v4mCJn[ٴ}<>F/ǭv|]ewh;_F߫iISn?ka˩뭍X Bۘ4 DZpVl*~p]’I+͔eu E(v }F몓 'lO`Y^@XEA\6:'m\X'5q|U/:FŒy)ce% K-12bmcyR^y[3bP:q4h;A%(N1U~ n͠XvO8Q#AIѐpPQ0{8D KJQ3JxN,)YR%ĀpP ̶j&D8*[Ԯ0Սo䷉q|RnRx1Q+e XKQL;$JG5s+u3pQ(8ʈ Xu;F6U\o8  V*WR_(gVśW#UA,\3EvEu}5X]fkV#L"T^X q:r )sbu|ѣP^_ۖ :% 9xQsڹW(m0$0^3I<ɡ7VmXV|6[)x&(e*2(9{:KMl ,)1в(ptfR*l6l: a(JB"[E4[̹KY̤״,2mޘPhöu{'Őu#s6%8ᓜLÓ*>[le||9h@ ' (#vuBbN {-[܍~0Gܑ̛;am1d'MsHwءKo4KvUU-qt{N*AjKMb/wtSv'twlO4 q' m'X`9Wi &fW&>bm%lKxr}{2 j;s\-/D^ ڒ%uCM]NAc32Jt'@C}-A{U,yW+D+Ù{K~'+c "p"s;0 CbT3J*U+k5 F? `N;[p8.BB02XoxʫE Q N_5P ) ^&:U#2-j_߃ؓDyZLB^ 3mRe$p޺mqɆ$r@٣ٰ^13]ʗ ?'8j튅玩Hw0&i_$]^xt܄GsQc $^Z|;̽30yptZYˌU$(0 xLn&LL6CPfXfc{"4hdsOX0Q-(l2͗4:OGe㑇jmm}ũON}"'P7ov9/"*z|āwu'@WkF/UDDMKH8㰻)5y'j^| ;>yp~j^855WC8yk?0+oڳ:us8oWs)ƾ_U'hvXkaCpNKk\C%OAlr_en_bb_07b8!Ulu&!' n !Ulu&PNG  IHDR܃}PLTE򔔒8w㌌Ttsr{{zdcb˴׫˜Fllk\2i6EESEBCUSStVHy(9]\[lv[gMKJ(a-<::kR^䆅 &"#522-**콿$|=r肂A~ f($%856@=> Z 0--GEEۑ(OMM_]]qpozgfeyxwonmWVU󶺠~}|K¿vut# *''IHG~B??jhg1U2/0MC@Aッ뇇a`_hgfwwvQRQP~}opm[YYQOO쓪_o#ԬbKGDH cmPPJCmp0712HsIDATx^ \gP)EF*fZJ*S)QVAqKD.RU{ԝSjwf2 P_heku;I8y^3^+$&6;gۏ4cB^  rR@r>TfhWtgz] ٗx-\l Gwmz-b ǥ"bP8y!!_pWSkMVw%)S]'a{.E'wܥ|R!ظA>o޼v zG{N >iRt~O鏞}{.Ss32ORJhe8w)S]ks>U|ܥ'qBSvc2pp0C*}*]}[c^֯+b K>ujxAXNX16$G&|q F cQS ~ƲUYp˿ܞ>&/53s9P}]$gٞ&̇*nj>؊0F8Ά؄MFc(Xe0})1WA˷͑6&6:kcNT^½`\i66JgWj.Z*[I~_:´6dP.Se [GUFvH/[v4Y pvB!-MFjX-Gc֡Fاp j'|Ub7m~4a7LQh.(b;s8 sDp\}Ǧf30_:Z?R!"`MH"rS5ivvNCp9&25OE^ cCN3Y>OM-G8쫬c,~g\p A1{\:1\ -} hYpM'rkp"*LI*Qm?VOF lU1+'SGvYc hk`qߑJSpHe+1uTRPeoJW:8kIm&Jxs81RBf*WZ;ڬC .bs(u:R %kB+ȷQhTYFMzUSo4t` 5Y2bDt]m.mD {YbU{`(v_=5"!ƽ~yME2|YkWx gd=G #0+/'] h N/w̨\s %6Y +U0>ԆOyjU٧O9wp7=L-#;U>WPg2:9s;ʡKz(/*#c.z#8k/na =x#ujG·qcNڰ p7+&&Fqx4=zw+W0^ٱ^DaF{ʪjih.<u$:i bX6qPzjh6 AgE11*^k@?$1>r`)fi۩R?*ڰ$A9vOy8_7ջw.>1ʲ20Nȷ1sZ'I34>} =&uj3DZ!eR-% D~Қ!”=?͛kp>k ],7=FG]JMTIIHu+ىYjc,Z3:fHp\$qC:Zѽ91;5Z jUYSIm;誰^׎tnCc5,q5bKp8.o/GaMs18{K>yLdx99k֥Wxp4ikuWvcwn·[=d+O9r*n>_)9r*n>_)9r*n>_)9OtTMwۥOx>Գu{eIt}O㫫=xqĸk\R?Lt0Q:ݎgsrRPş%)TرcآNOUg0}Lϗa|향-\S<%JFShzMo/RYȑ95/&$UoI͛!Jv(ˑy ܗof̙~p)*woͰ(Y~kGzrp3 G#z v-wnL6o\n{ c8y빇&rt_WD>6 _>Xj)~%0_@9a_hcV+:nYqPܹ>pǏ*Dt} ;zi} ~n\l|m~d*D}_=)SO{v8~r{i6x5ď\RIENDB`aDyK ;http://www.citigroup.com/citigroup/showcase/liverichly.htmyK vhttp://www.citigroup.com/citigroup/showcase/liverichly.htmADd 3'{ \\0  # AbA[b*Q^Uo@n@[b*Q^UoPNG  IHDR#AsRGB@IDATx^[VEn:"KH@RLP܀I=*a`!ń桛5H!7HJhm@TPJR JBHy@ ywwfm^k:q֚555z?g JB_OSO=%$" " " }A |]J/jQB@1BD@D@D`pmwu Nݪ$".U@9Or !" " B@z_jJr@9rF !" " B@z_jJr@9rF !" CE??CU)T "N`Ϟ=hÇҥK~WsNի֭3fLfh9 Iyg J^%E0ۼy'֮]; );Z|۶m&M:~8[x-[Lw{=^v"T@'O.=I@z'EB`{ӧONf̘_׳up:ٳY)!wKld#rtyv-{w/hW{ n:K/e`֎M(ψRE&[""MZx+Sׯ3Ԃ[x\ŋ],%#|X!oܹ}İdD ;bdci l6dJ:.Eь/"s GPd%^_7RKr\TpkoQ8>yK, ,!_WrY8)ud h+MUD@@ݙo]OtܴN8n@%K%9ZOv3z=E` .M%3#Rs;$Q4G O?k +ׂx`A " 4xD%-0WDXG׃7MT`Zu};J!"x]rK&پNjܹskiD)E\jUz/~~|MG̸b(wnm[FV@;[y!ʬ S"Qz-׃ŔFӻ*t^D@@KsPHG65i1G\_s$Ki +A`gKW88n_* Kqƕ.L$YVS<KeHj)/2E-Hj„ <ahuT%M(BIaD@Z&`;ǘ)T}q2,ڑ9so˅FӠcW`ܷMS~ fCb<-=o.8rOnIl뉵YgdGB` -֝?w\X:*+o<3]F,zO?uykқe;Kҏ٢@Z,{PSw\Z!I1_(ML^ .4^7nؙ;z ]xK|ͻwvX e'"aXө䛧ty@ݼ`+W R'=K/ Fk׮%3fg /fV?k'$&VbnOWcQ2iWpH(RQ':s3i_}>}@B3<|$}f.q dgR ~)BWwމGVoɓK̝;[Ru,#F7oXHD9rС7xWo}/ĉQNv b 8Mt0-(!F^,W.@3 2MX&$`0qTRS,0w?.%b,^E, ѣG3 |ɚR\v-3噄2^f3>p4/ "0<8nܸ6m ;T\~3 tb% `ΪRQ3g$}X Z֊Ο?T~XU`M"?h"R oq7H"wɈ*^<#:ĺe07=zĀ >341xWN0X[f{Ç}]_B>O3।鴵m(q/_n_qn޼>s=uT-pz*+[ڷ^ '7qĉD \~2,q ֢2#B D @ w\F( sx]`}ݏYRF`Fx?dm[. iqPNb:%9.LM]E,2A?z D))o_)۲eh_~%nΝղP䏤ϟϿ6tWf̘1Ws\tK/˘Խj*؋Y."ɔnAܽ{>~9s&ILKi ,L Y&0~ƢP:@!<cƭ[z-bd(P_tkJ'#|hҿ~snǮP3B2 ~ \* /^Kz4=Igb:M(np=T|n`S|& Lɕ2s :Uꔷo@뮨D72 ɕGI,~3nxLǎK KN?N@WHV[D@9e4l~y6h`F!#|)n^oje(3=m4b(XH?׆ݾ`iy„ B /" :gk@(<V<}6Ik5/!ΨQ#24 S c7X3·?~ڨ׭zȧYX6v29s'yr:=Ҍ[Jd܊-+C0>X#ER<}׸F` _`<imVzdb &"=6Os)GɆe셮j 7ӊkFNa9P#[ͿCfgdY#';6HtXfS\+޼^Ĥ t6N%",փYDĬlV77n0&g.>`O$ >m4O?gyg~ĎOn^8ZIa&Yۍ/P~8M?{i(c˕uA?dla5wWsLM`<pP& D J\ .K/bV[ ){)e˜V1*$`): :~Yh0.BXq N}H`u@u]i`W=izO0" " "0 ׇUF'zWa )GD@D@O \_oAD@D@D.<u*ީ I"" " u h[]/F eͰ1QyE3R>;SED@D@:A@ztzg8+NPV" " "\D@DįPC@ua,|<ak_0I9EU" "|X YҥK7sl$nfn_nͻgoI^wPw??: _^|yʔ)~ 6$Wh^%XC{r{ƍ- iBϟ'u6)?zȭ$17o*6Gw}[oڃ>|2=zjfxo /pqBZ}?"t@`-͛ăɺE:u*@8zD811c+X2soc9*jK߳f~z1H*ݴ.^fܹ[n"RrI֭ Bb.Ӕ"SUHM5,ToJe=20=Rea!~ cr&*-Tx-ĉ<<`AR-)h@y-83x<ᴸ(ea3jvCHNa3;[-~O#s`zj7k> F+WgbMZxq`E,~R;:2t7-2-]~EʮE@D7 ז!T3u1ΝKRrؿڵk5?_۝B[:&;h{0i|jz|` ;3:q1i)iүEHH!E@}9ʱNG[+k֬ ӧc9%| MWScڢMzU\0(d1"53"$" m"pmQY_~5w9ufwRV3 -.A0d(^*HLϥXΔVX"ЛjvYޗ &$fe+S~[It![*߹+Vk)eC k|}رV5}ݻR?0-Z>qDgn YRD`h B[ē)o2oI40MUTh^0aq vRN6ٳq* )D͖pvc͂33YW`'@~vgԨQV|G٘F/v>|83. <,`[:؅ Z$g?>~Μ9O>T@ 8kITC|R h٤R%Y1"@N&JҋВ ,"0舖-[ŹL0dg~~WbTcp!>En퉤1Tb`)mm, 79Fp)-v':q}A_uVVWzzAglo~=>0oz:яj+Ky2_'c_5vi(u!h+n#G LGġ1ܶmaIx"q+HȅѮ!fu=DUa#R`M]GjKbŐYh^(XLVJ7{d_I[tS 7Ș`ۿ={ao=KO@#hNutK]nY0^WE@&}SU4w[/" " "PN oz9;~! /5%9E@D@D@×H!D@L #"(yR)oC8Tl$ >ժB )!x[D@D` HdP" " CJ@z}H+^HY*H*O{4ك ÇQ;iy:?,LyۃH@ ܹ@>NtRznׯ k*pJH:C1ݼy3A_vm /Ɵ 7^Z\xR." "EgөȐr+o:_Jwƍ.]ڲeիW&+V=9}1ֿ6R͘1|uL1E%GпʬGG'Y(k׮gϞF`;xwɓ'O3_B7UY~}wc2}t%xp=~XzRcz]rJJ{nL:k>}֜@Y(#G:t%v >>s1ڵ¸X5E7n3 .2w:vX1g"L/wkܩn̘1[npB^t`W,@M6ݮׯ[ ݌F`뺃kW\)+cN#g3z̙3^˗+C\p!KsOʉ+ &ܥ}͛7dNNJIͲXG_n](s9sf9 1,^بѼ۷2Dys/7lQDZ9q&g۷[-2}fP,Dd/il;_;8XV+#3l_9*@potފYM2wf%S$iN@$ܩs1ǣAED@ \ܹ3i$°Կ&LY5+w_s[:D)>o<<`xcnیˆ@3GƆbWꫯb=p@YTFʐ;^?w\0Y7m^zLA 3GЎ(x]" "0P(T|x\AQ${5k'(#|#ۗH]~)7o^p w_zLA{mx<@_,Vu ?{dZR%DZw1H:V:"zK~:C>˰uV:C73Cƒ'ƥKDlcX9oe4Fܿx񢅷+u{J0v)S1DXzM`l]{"?5܆ Ƀ\_N2.Bz\p^0cH8ÙiW ^z%n>~al];w. eOKo=:hn!?-sQ23EgE*C% +Og϶U("PI'[i@D`]㆒ѣG HhSZ|`C94뫯v£A׮][C< ^oHc1ٳ$j*"^p" ^|wA!E@Hqn޼ɤ<#:u*q 5cTTZ.+N,,ʹnCZ{KҎK-)b U|`L\l ^F Ƙ ~:Hc"]tLA+R:y+ܙ>:q]oxTV_|A[w3Q]Lyϟ|r8iay)_~w@`hw˖-9k֬)-MX`na7Sx|+3O[hRcmqٲȇ臇FMu֧كy]vձs[GIñxM<9Щ(Q Ox,%v_yQPK(LCBt}I&!=^Pg5N);lʥ^g u[W+C!Lu2+obn2`ˊث]o۶al޾}a ɩX" LœopvK;̼ueX4; ƎvZЕ+W}g74:֭[o֩SxwC~,uRR` ۷eݳrFLߋ0Mv*˯b=~6w}g37o&zLY:ʄHV'&@"E^sy|-ĉo5x8%H'^rE#b8@A+핧3np\lc#W_}Ŭ#dD@:L8[YF SR\,#R"+W# ߸P*y_hKP,.К1Wեi;8]" "P@36ڝQFYD6c0ct,G9)omXhXFl;_Lt5i;w3gδG~A/(CVȂmҫ/R  t;\;upő#G X9ʧz_4u(D_8͚m@_b \ Sg=fp0Bq&޼^bc\S?lضƍ5SVt!@Ȍ@7w{8lS7<^zGb=50 7w: ؎]3p 0ݷaJ'9Fcv'˂`u22s&Sb/}0Q d+E"1XÜ=9,~>t).%{Z$| t0WP˞=e>e  _PwΪ`W >M*Ou^lcW" "0H׻S[ ܴiӺ#rmvtD(" " " 9zɈ^TID@D@D@j" Hm-EH#iRD@D@DHC-IFH# ID@D@DHC-IFH# ID@D@DHC-IF'=H"PKp>T"s΂xm֥K-sjOqIApu@-^YJ_zKȦJez(" _)l 훭|g+k)k|…˨%Ho߾lIL ِT EΞ=UMtyю;xwɓ'cĈoj~t1W_?~;w(P6;;zcSF" "п9r!4)ݻwgPhnLv0"֒%K1$jժY楗^_C!9F0o .0ÿ'hR_~3̴`[n r~Κ5`_xEKN&X AaHľtN~;.@D8 &J#Z)Z_t}˗ 5iŊ4-[7nhDNJ͠ɚiKtLo޼([Sݻy)ԉaʮ6Iģ!_=;u<892uуY~|T,$92""R 5&wj(:$#_jEOWZC'Oˏ>iҤ?eHK!Olo[_L.\+L6~ˣ_|3/f]=B`ݺu| l֬Y'NpJ;q֭~.'O7N%JAСC>%KIRDHP";W96"ŋ/ů-/JS5Y^'}K~jm}Io!wM{ݛo(=ʻ/Iw#M\t@.0 +Nj^y]F5 zJ[}:hPx> Jh^S;/ ygдy?k0N;oR+^ lM%;,NѣNpS+_$h"?:l t bk5GLt@.~z,~RM{8ؿva3sܹs)߳ggϞY. ˌFd{KLwF6PŨ[*%`<l;Q:)x;;}t|@.lt G}D@z+Sׂ5Pk7[l#x:Nf H'Ng?owּn^vV@j?0.W_aHJ>ɺڞWdf}G@zL0HP Åx?/zqOp rdй4CX*fNJ&ʾ[wOJtwH@%"0Xr'ڵ crw 8رc̪!ƙ3g=Ei ᇤUL3qWᒘLF`M3@w HAH^$" " "Pu *ީ I"" " u H%" " ";{.$%aeIENDB`R$$If!vh5 558555#v #v#v8#v#v:V 0$,5 5585592 22 22 22 22 22 24 R$$If!vh5 558555#v #v#v8#v#v:V 0$,5 5585592 22 22 22 22 22 24 3DyK i\\cs\dfs\u\vywu\vywu\Local Settings\Temporary Internet Files\Documents and Settings\idasp\report_bhc.aspR$$If!vh5 558555#v #v#v8#v#v:V 0$,5 5585592 22 22 22 22 22 24 3DyK i\\cs\dfs\u\vywu\vywu\Local Settings\Temporary Internet Files\Documents and Settings\idasp\report_bhc.aspR$$If!vh5 558555#v #v#v8#v#v:V 0$,5 5585592 22 22 22 22 22 24 3DyK i\\cs\dfs\u\vywu\vywu\Local Settings\Temporary Internet Files\Documents and Settings\idasp\report_bhc.aspR$$If!vh5 558555#v #v#v8#v#v:V 0$,5 5585592 22 22 22 22 22 24 3DyK i\\cs\dfs\u\vywu\vywu\Local Settings\Temporary Internet Files\Documents and Settings\idasp\report_bhc.aspR$$If!vh5 558555#v #v#v8#v#v:V 0$,5 5585592 22 22 22 22 22 24 3DyK i\\cs\dfs\u\vywu\vywu\Local Settings\Temporary Internet Files\Documents and Settings\idasp\report_bhc.aspR$$If!vh5 558555#v #v#v8#v#v:V 0$,5 5585592 22 22 22 22 22 24 3DyK i\\cs\dfs\u\vywu\vywu\Local Settings\Temporary Internet Files\Documents and Settings\idasp\report_bhc.aspR$$If!vh5 558555#v #v#v8#v#v:V 0$,5 5585592 22 22 22 22 22 24 3DyK i\\cs\dfs\u\vywu\vywu\Local Settings\Temporary Internet Files\Documents and Settings\idasp\report_bhc.aspR$$If!vh5 558555#v #v#v8#v#v:V 0$,5 5585592 22 22 22 22 22 24 3DyK i\\cs\dfs\u\vywu\vywu\Local Settings\Temporary Internet Files\Documents and Settings\idasp\report_bhc.aspR$$If!vh5 558555#v #v#v8#v#v:V 0$,5 5585592 22 22 22 22 22 24 9DyK l\\cs\dfs\u\vywu\vywu\Local Settings\Temporary Internet Files\Documents and Settings\idasp\strureportNew.aspR$$If!vh5 558555#v #v#v8#v#v:V 0$,5 5585592 22 22 22 22 22 24 3DyK i\\cs\dfs\u\vywu\vywu\Local Settings\Temporary Internet Files\Documents and Settings\idasp\report_bhc.aspR$$If!vh5 558555#v #v#v8#v#v:V 0$,5 5585592 22 22 22 22 22 24 3DyK i\\cs\dfs\u\vywu\vywu\Local Settings\Temporary Internet Files\Documents and Settings\idasp\report_bhc.aspR$$If!vh5 558555#v #v#v8#v#v:V 0$,5 5585592 22 22 22 22 22 24 9DyK l\\cs\dfs\u\vywu\vywu\Local Settings\Temporary Internet Files\Documents and Settings\idasp\strureportNew.aspR$$If!vh5 558555#v #v#v8#v#v:V 0$,5 5585592 22 22 22 22 22 24 3DyK i\\cs\dfs\u\vywu\vywu\Local Settings\Temporary Internet Files\Documents and Settings\idasp\report_bhc.aspR$$If!vh5 558555#v #v#v8#v#v:V 0$,5 5585592 22 22 22 22 22 24 3DyK i\\cs\dfs\u\vywu\vywu\Local Settings\Temporary Internet Files\Documents and Settings\idasp\report_bhc.aspR$$If!vh5 558555#v #v#v8#v#v:V 0$,5 5585592 22 22 22 22 22 24 3DyK i\\cs\dfs\u\vywu\vywu\Local Settings\Temporary Internet Files\Documents and Settings\idasp\report_bhc.aspR$$If!vh5 558555#v #v#v8#v#v:V 0$,5 5585592 22 22 22 22 22 24 uDd \0  # Abu=,챵nt' nt=,챵nPNG  IHDR2/VsRGB pHYs+tiIDATx^{q/Bb !1T &lFPN)Q@6m"qFBĈK,U QpUĵA! ISA8|_ͻ>{y}3j/s̼~#8@M0q#8To#4ƠtF#K68@cd}}*8\|w쬳κ9xF$de^|E#Re R3<҇>YA9iCUĎ#0Qϟ?ǐxÆ o6mڴjժ**T GCYDou;w~m۶!޽{,Yk'@fUP‹nݺ/O? 8ӏ>[l޼c+_u^xAk8L8O8Pʄ]$l.؊H+HʼB) a7&d.Ra2iX?p pNIkm!ܢڅRcj}8uȍR ;NXv/_N=_us=y/ʹ{gV]v8M9{gVJR^s5xXY-:g>sܸq?{wy-;vDB~…WVۊlٲuz!ߏO+ Pay`_3gΔBO-E ہ.ȮDcJT{wa9#[TS8 qJԣXmś!AaXRp aټPQ] z8S C1C(+&#eS*3r,Ѕ[:ߘDdu I3o#8QL%1Hʆ;σ 8pSN1z_կtY<"d3A\={"ӣ:k֬ٺu+sD_|1?я4֩I UKX*nBT#|Gә`P;@C/R.*=S͛cœ.]tΜ93f̰f͚NgNhr MS7ިRx@:)9S!Tǡp0MoT{n)ŨEPDθٳgwqB ?|ps) ˖-&DE2kM1װo#0yz}8kĦ,QS)NmcS6=S j**MH0T_zVSii:k`a?Ĉ#$p-]{p k3tm,=9C{8D`7Ոb87J\K &Bfpz@?UpIDQ$Zev .FtG+K%\GR{`DWpԮXp .FtG+K%\GR{`DWpԮXp .FtG+K%\GR{`DWpԮXp .FtG+.6~ͤC4 /F* ;)W_ݬ\fe8sLkhP~P\F+ӔD,hJ[U3 ԸU`X?,%$dKGG.uʫ7)2>8W+Ք*TEl+pPA+:#W\qBW~tjqQ]qm٢cuJPÖ7^df#E1$ @94R\w,RʂTrnDL҂9s7:+$ 7s~J釩)u%/STXhS(î8WjC1!V&!Q]aԑ֒Y¤ yEg(! `+A0{@SE/C1j<{ ./>g9G{\p1<*_ UDUIʦU 8#a"V)i!T|ɓHI$UDlyHǑ)"3a85<[&T*Fh}l *2ŅX- y%Id)IW$m)e&uITcn [.kV$c$y^#Lki$IsfI%d-4dH)öTFr"ӧϣqǖ4 =fyRiB64viX]3eb.# k!fПSSP"]2QiaUW E*`B&Q2Z8oK"⇫yÐ(mcᕼ9r1| a|KZ`2[c<8K%-ZtgΝ;WlEv\0Uwl?Sais1Re9_|)t[nJ1J%G])#s$yh#"&՚+S<.%?Sb #+g%mx >?K3LgI_QTN)%yQꪉY_~&3 /K6zS&A$T,4Ԏ⟙&/Fsr^.-v |̲YΑֲaR9OTk : 0k' 8M+FKx3cͦQFM #'Pl#W CfKt}`EIJpTQj-\i$IAb\f^(PfLʶ2& Iq6L/J?MO33qMu%)L뢴&Xr&t𡠁SE0y9Ǚ096>jוiJ}HU(P*,5. >R&OO$Fq6`"\ZJeb`lT |ץ@|iIaNjvӁ=r i)X RHQnB'/IW-f`$<ŦZ/v }G,"id=qN[֏Vf%vy*^/HTRR2 ш dc2[N>aˎHѠFx̑[vQuv_SH%xX2RɹR [fڢ{.c0[v$<*5Nr-Ks-[.3V$a2g<̳~E0DMʡH)%=˗[r$af#I˓3RRZ!-TX#2G`X@lb+nu獅E**R [( 31N=0^eJTavT63mK3X)F$a_݅K0c.FydFY-E=E&ށZDPFbV+jC;YB "mc]E5J6<4hCYljD :c=OLِ+`E:@vZڵkWZU,en>S?rˑ.3_;Jɧ),cpc (987i$fGI:aN b7ƖbeҴ%jx_%g:`ddfSnj>!ӧOr .LE2[M#6]ܧf+ԂG[k233+1L3ĩ"MVȧ_[']kˏMFD*AQ.*C WZ$-UEfZHf_l)[f&> ]TR`G1 C=\%RkdG/N:v|yjdZNnZR=Qliab u s]:ړR|j~\g%li> V:w兏H4a0y봩2ϸ%r1!7x9tҝ"1ʔ {A{t3GRy睛6mb$H궳91x 6Jn~k<0MXfXmZ]t%4:VpQd~ w܆FtPp?wO/JtF52ezL_Z( CX fi"a~-/ϣzK+Q4B̼ FŒ̔| $a^xfpɎV>aD:\L"2_'P۪ZHqvw3MN|xRFX'k6U/y{2:֔$R OPHF۫ efG)ff [τCE)]阂`bD )\yE(~@*w:{"=eҴ tlG8_.5R2TřZ'EM=Oxo+2U<'փWк"2#رcݻ[َ= Y?~w\MK}3ˌA+ ;. 0U.`28@*Qj :@p+ #ܥĐ#tw]8=A]jO j8@p+ #ܥĐ#tw]8=A]jO j8@p+ #ܥĐ#tw]8=A]jO j8@p+ #ܥĐ#tw]8=A]jO j8@p+ #ܥĐ#tw]8=A]jO j8@p+ #ܥĐ#tw]8=ASCU>OD3WpD<Rc唎# @]7GpC]jcP:#Gpܥ 0.n֭jnt1xת۵kW ,XOGy8IqQ-F U\ܶmFj*9W^męd5YPŝKiӼ9ظqc۵"%KTk=餓+87mTITzꩡy… *5 OnEPPp`(*$Z(?s|3>__XxfͲ|:뮻+~$+|oE^}Ua8gv'S#~f̘SbSN9[nEsc?b.W"2_i2o|˦ .u \tE/~WEqk{~+[oDE*ٳ_{ѩ|OJ4o|Քg&+ V.Z$Ea]9AÆ-[&b":=|0w/@GI3g*E$b()i juQY_}*MU"zy睢O߲%t_ֱ&ՕDlcY؉Nz;NmЖc8knHqhdX&Zeig\:ts0V]oU@$2!V)͡k?R<K@=:)Z(K F OKmԶM ÏبD㕾&Z,ԩl]'-SR'-Wvٔ޴WpChS"#".#8!W}7V.&]ꅦ}UziuU2wG8@wU8#R9#.ۀ#8!.1(#8R6|߽kW9&-7)GKͰ3coT~\wGܥfxKxgR/[n0VE<#VF13q .5ۥ>cxG9k׮%8 XE9Ls+CwK8up0O<? )Mw#24u,eG`reg :G4cê7pCXG1zċL20HMdZ[/t Z.2 dNf8)öm~Ώ(VX/ۏږz YPPhi~衇j _`#)q˗kfMVyh4oXWp2vz8 Ig =Txjn+:M\ٱcV6%nCK.I :3xXΝ;e(fD4cLІ͸T4뮻q"ݻww-{;E"~x5P[l1dݗ!Op&3 ؕ+Wr4CmNZj8&Ec_Iic>.#P\*d~o~sQPn""Dn N"y`]g,X<^p3xJ ߧ4&td;??i9mRy rmÁŹ.{ޗ'<J oOkD4R?x iVLBdǐ%RM`\+P9HPHNMY-Cp'sx"g4e>5 0t(K_(Fp]ّ .GL[U6lLRIt)U%!S zǸ1]o}Dx)j6[JP qCJ-3< 7ŧMAZ2oF5,WӴR2տ1H l>CfƸw{G:U.Qc:? uYcximpnYEsDH -0Af#OF,VDUƎ#|ǿ p<%cXЦˣL"0PI!h$ꩦl /?EvN\ *&K (RÚpZTh͆GڵKB45$+I2Wq\:Ù1޺\hXޤGAb4uMZTGPXsh#er"9'`5G _os/^97b@}K d>bthJ5Jk?VA"%Uf`5mV`?X#!ӧOI5e494PqO&Tiijsnԫ)O}::=U_rPߟn>$ϱ5%b~d&xڱõaNj0!'&Q&XGζ&[b˞9(.(d!Ҷ@ouf>Ojq13Q$<)rA'w„hhDmϿ28jQQ1RKN+l+H1 냤%yJ D@+ 94)#JW18_sݒv+MAܥf]V+6&D療&DӤWMΡa,}/=+Uב $xUIzlէGh 3vԩgspZC]jk:cGzKz6wG5ܥ3vԩgspZC]jk:cGzd/z8Ǝ#(ō8D 3mԧzT_U^}F Vd>ZpA]7GpC]jcP:#GpܥzpG1ܥ63rG]GpC]jcP:#GpܥzpG1ܥ63rG]GpC]jcP:#G-<z]oϋE 92PΡ)SQ B1PC 7㈘>j}!h1?tЬY"# s5ל{8[ouxG}sLB K.9pXc5PBe˖={d5yj駟F}ر]wT)_~EV\IZd=ŷb / sEʡ{gUiMf%rs'\REz[^KFd2$[,'O8;[nMk6yn)|IUl/uuԇ3p&$eń@fAA5+%#+WΜ9n ,yqgЯ[ΪN/SA͔ 8rLYh.] @}\fM"jD5Ԗu-"@ߐ؄G:|A~%%}ybخZdѐs\RbR۶m ٳgϛ76mMĜ2J]^6s̱Ep멄\Tߩ="H1+VP,[ %RĎv1njLYK-RWhjvIFTӒ%K4SCΰB>S;p+BRx"Mpv]6l(gʰ;Mص0y]X&(1&gJpDwu <7n1do(J)4G]2"&x)W%p(߻w$(uhy=s]t%k] NHDM0&xb݊«(5i1IXTӫ$s'k&(u8ЗwkN^Vx<:8鑧*vB q8GNzL9Vmtehg$MdՌOK4R|M-i[|K/TFi*C~(}2mЗL|@] WgSD6NO-@D܄ur1FA:6.~e]+ʛi/s5zXT*2@n492+8믿ְ̲Tzӝ;w2W֥]{F4LV`kN9oQjvI $Q׃|4:jUўjX{)XjjjPuШiHz[蒸U&Ǐ<{OnW~m : "fy.LMejJ~&Gu~gƌ4UVDS=b~N3}tfjƣH!M*3 BcC y!JWK9 %چTƝRb.*ӆS/6JY~#w-,n_qp@s) )⌾<#G5xDx1T}d5pnmh"UY AhUkIlG|5+5Hxrrl"а1c.f:|8 jvep:PI(h hF>peR0$"#8?뮻7Kp \ ӟ? );ӹBG<؏y"a\ rDvB-aqAfV/)@4C%񴡮/N'w>@$ Q9N ̖H$zNk` ?yvqF L XQ-${b[-֘K, 7pi}-,/SDw\#Kǟß'zw8VG$Jhq &Z<#K³mb^#ys#5(95\Q(H95Iұ̜W-ӶA.ɿ1\ ?Ȇ>l\ 0f)дiӮꪇzea6{챛o9jKj34\ fHg~~Ծ!,_e \SZuɢL+2mm,H(噴m:'O[Veq,hj~ߧ*b\kY,jzCTu:magⰬ殭~ۺQ|V;=Zsd JY%AAp-اUDT^*N FYê@5(`QMZPu %_AB*)3JLs@]2æ`e怖 -b2PS'U2BվpEe/@jͣTV%ٟ䘲@z}47&X-+'ku㏫ NZK &-*u`_W,d\4P+R3zӴN[Rft7b9U&՛ e&@RhTV'5?JgEŊI(JweT 氥ExͧnǟTB7YNSٷp ?ϒ?'jVtEh+gQ js߈oPrigڛ+lw[YaC,EaV~Vrz}j`<'XR#rۿ[A+ǟs9W^y%jf)TÙdvr (C̴NKʌ >7Qi觪I-vQ֬k冾1pLK8/)Xƙ?"s ATL/2HJZ7#|9Ke& y^&uNt (>iILb.y"OBC4 6G~ZP?b4nZ5xj;u; w{JZǿV%˖!ڛbuȧ`lԒu2G,x(ٔ`6,M1xlEUՐٻȦiZ)V_%h( T[YsNU0/W %P "E*JK,OrRkԋ; ֯_OFoѩm.RRy0@jq, \ꫯ>SXr)hzɑQP*2QUOUV L}U6̼aieWJz ;o*9S3I.DR)1:^hʕ+CW^]wufͲP)[̟?n.?cqCʀw^>-,NyǨ)R4ޒ&.Q2nYZZIUM$FCR&QYxn޼YPwڵk…wyÇnjRɅp`/w@S 0orLBV^&'/'A)Ϟ<{aGo[!Pl"YN;Eꤥ"bXf.j#0RX $.]z-&Kc%W<%7(H3gΌNb5,;#E+ws̡DΦON=1*ӹ&+{]lٳMs7tN:d%_jA8 2& ? ̰m۶-[@͋N[w[a%{ :v}Uzo-e%JݱcçH94Gmy:@36lؠ`/nok\l+,)lFY?e7- fi7-/2fVa:Oj W&R *.U,HZeꪫ5&z]w=Gu?<,oܸQY>^vM}v% lu`R]tX#=bڨ-XkYlVYdFQac%Se(AIlՙ L`*/4ΘyΉUVF]IeeĪ 6^N9PSmĤ8 R#կN6#8qLBZVZc^2"n L><<Ҵ#G5qkMZ~;o gT@Gl2q`LԪuvλEm(MM=(ЎRH͆s%J653LEUWA_$E::a׍sjl ra#_C,W˿#L.{5@t@(S\\CTWplu׮ļd1ᔍyg|Tk䔕ZqJ7c?q]1d"4V 2ht4ZLLs=ԺY1SMY,4CV^éV$Ci8نȄ.*Z67$X02I `U2͵^KPI06< +y`DXb2LL7Q%lKD!WK/%@D:Y4p:syOar6"ߔqP .^T/IYaݐ4Q \(o$Uh,B>/튗7%43?ʴ착yyR)ǴYyy|%5,R&P$hc{oLRJkyJJ^@Vݥj3c \$3u=C H>3<nwSR*^ݚ" Ł֒^ ҟ'E!*Iּ{ŸER$QjϤX_)7L9$ ȥfn]8hSɼ_)?L&9˿K$"Q,Y3/3OLWmML-fTwpRPE'}|cr}w7EBZ>PKtәgD\ռWziD迭2J`⡈UkgʎT%u%[}Z_j-wMy:fy#'ܥɚ#wc6W8}B]j8p:fx#'g8Tν(uXp\|]$5+溬j_U^]nK5ei2RkG#R58#R9#.ۀ#8!.1(#8R 8#R9#.ۀ#8!.1(#8R 8#R9#.ۀ#8!.1(#8R 8#R۷oż#L7|sܹGY|o]h^*0,C9s1_|߯6m s<yBZO}8rrgyvꫯюi͔*R|P"T$Du VwV+?M;2ZreNlܸ?([>0†:;vXh9%YjkVd{͛/|,X&uVC>i1Sw;nFīu> n6S[n"P!񹑸+V *{/(i׹='n& &%z%ZfZשh\ew5{l|ntALdɒG}q);묳t,#_lٲ{X l9Vd]yNU=Yho]1q@\D*]ѩ*M@AqS,PEL[1",Tm"3gw-뮻{rg1m9"*sNnqJ9bN!K- Z#.!*̷mç~z\䔃6hO/#QM)Ǎ`ɤ=:s^WZ`2ގ6#hV2z!#8 4F{bp6; bii;%֒A|3\s`ME\%pS3 V!2v,j5hQ (px@QD~F/"bN .@."b^i\lyO]5y>T><#(m f*2LqT$Fh;M]ʦo2!SaLZ{.cAkХFB*0 Zg}8LJ~qqsΕW^d(`ڴiyGM7lr饗.\0|yꩧ hFs.M>]} }t)XшF-fz2W qpF]#\@;tO<ė%W3<TK.#Ç3?fvSh T; b]Ns܈„ԡjljhlLFըNh7ŋU/!$[:!J7i^)mA{R[~46K3P`}޼y)b,7x㢋.JSbZdƌK yd<J><:{Qj# d2.7^dfݞ^hRXZc{ak]ԓO>ɋQԶK.a]5=.WZՋ5}dzDve@v24Y.mиKmVylǭVy_I4Y3csG`4K ^#L ܥN 3#0ܥgpR]IG RG8SwS̮#wkq))afWpF8@]0+8A]hpZG`J .uJٕt .u48{-#0%p:%J:h^hZG&០Aq.WWRMj;5⎀#wGh wAGpmppLv7^h Uv(H:eV\]j:OGuXmʕ-UVy!QKL[wa&_quYeyXkLu>y-V oe2 +;TB<zhڭ|0Pw)ҵRf"yj벪}U%ޮbIpk=\歷޺{nǩ]r%P02Nw}[s |L>ZR_~y$UJ ͢EˆHh"bpG5l5M.A[Ϊ[F}U%BիWw}5+{FyPH$; I͛o&c[aΝ޺u}֬Y!T]v HExm(G@X5$WZh]aYdvŐ.#w=08]AK;w#<"m8~7S͸o 0H6upD|{#C /,U4)ߞTd[RdddUץtÆ y >>k`rf1Zj#崩q-nUfՎ]6,b@T#cBdw$QfI>z<á]OP|gq J^Ηr 4;{r^/9{+6,YiJVUE* AP6 OfGSja;K5qnQWz:$e!P2_!Ua29L uQQl+11LPYoJʖIcXjeѽPzn']s(:Bw^+TYkdTy:8O⃴T)NVxbuj֘oC%/j ЅZ֞jpfu{ I#'[R^a y1DRʐ,^-jfWxPLf̚_ET)v5bbJrZX퉓R"c5(TGf2&+xRYw+Q8∏?zB혰W_U4ts=Ř@ ghHg^:(y3fh%tD`e5Bi&ZЛ'͉(ŲM9iq۷C[o T8Gx9j>Y3^lv` 5@LVAe$O.a09 pF!=NCcZuy 4j+;ϛn82%p*/L/҅ s5l9T#>iĨdq$ sTThЈcZ0'=e/ w25'_|1QPARrJilQebMP؇BUOwya Ua7o|M79K-Sjdj2N *{)S>o۶7 gϞ=ogn/FFJ+;w.C''xbI}|M0}JҋZؗ=)\d({EX#SОlNT1f  Av?OІj3n-ϡ 创G5E07(RDzO~/~aggyf5 Jwq6z8OzᇔS<(>NxzqIzDC5Fb1lռhSmYu[U([HzI'=O=۷oK/-_ {@FH+/rJ@ %w9%a/L~mE)j W.Z</QGIOۈiN+W=ʂl7Ķ&smU yah7Z D`5Xj X_LAM}lU\'ꫯ_x Wn{}bD| ,ieJ)~CO̟??D!<tZ4$r{QjpUV߾j* ]"qFtU7R4N)#n2hĻPmܸ[o5a#PťgZbGA .h pg;p :0jtQ>7g }:38\7xh[kjvIUn龪Wm c^dz^# wk8cE]XG_K=]G+R W8B]j8Xp:VrGReOpƊԱ;@p/{6#0Vܥ~p@vttmG+(u8pKT(eczhp|\rɁt=H{фZ8-[ٳ'ɣVCE9۷c_wuRMʦ \~-Zre&M[h\ߊ /0.̝;*U;'7yETpKqmE`dbz/eq.bDol<@Çoݺ5͛o'U_)r->,2ax6m*7ߔS.Q~ 8}B@sorDx%ʙ3gp0= uYEqz*!5h@V) ҥKy k֬SXfr(RO=ԟ'/~aggy氒ѧ8ʔ'tG7+縎^ĤN8AOя~t4/o ]ò[?uGUFFYJWp"Z<#rޚ@d#J/YNOөVMq`å2{N?tk5,;2"G%S(}Eje]*1 Ovi3ˆs… 9&,/I|JDyUW=56mĸtJ ?/s0^r(|(|& 260 CiJbmw+0K3U _3fu21ReZXo./.Եk*+#W4J4!i͍L#^BE6I֠/ 5%ZA ( ̱v 9t({I'QY,5|szْufa.Je ɶ7ߖm3 I rFP~-& XoonmBЈSz ڶ^y/_>ކ]*U_|E-_jc|]w=sC U 0/aJ&:i_:ŋ˕bnȋp{8FaJ3;#(-'qUD.P22 J_[k7.COllzBT{p9p>KVW&]f\".0FOVd GktfRBE9f%27RlX.W&Q/db 2{+ȑqS(u 5Z|KߜP }HhiiAK#^#Q,3/I A!7-mK#^#E,H('5UЪE9]Գ|,\:s%j}իY'C͚5 /rJ tTJ![ Jux uL-UU^8jSfxc: qp-i7jIHG-fϞ=o3*z&Tb2˃ػw/Lv ШF\v,?7=su-]{=-Z֍d+7-[MHN+٥`H^!([o^|V G}wxuJNk$5$ 1,%㎇~Rwch%o`ЛnUklzI'=hO2ƞ۷ _xa/_K/pB%n2|./#<Nո6z39:J1/O-:TAJedLxx<:ф!8[YJ4ꫯ_xp?яqp ]'><%o#<2BP6hqܴك]`_Oe?xK/vTcKX˃H4PoiZu<:AtڒTmAKdA#Ve Q{#Q<@u.\0,>V/s/8i@tʙ kqIe&PFcǿq!\ '!TL{Nty 7|??IdGz')yUW1EKgRZGc曣[n/]`T.rR.*%cKL:Ws4M(<6LX2iQD,)bK>QfR'q!yIMiTyqa(;?FƠgM[&,mi?lÆ c\%Xu_U^eyJnǙW!1Ͱ K[¯1r‹6ʕJӓ(e|zC_ P0Nx7d8F4T: 0lJ-{P[rB5ݶxuUQ%d1/U2B$97olK´%FX6ʕ G?Ä.2@o-$iwߥ){g`N&J:uyYG`P^-0]2Xsk֬̈p(KtѢ\L'DY^ܒHbqMK8.#TM>=)# (5࠲(e˘'#oRLO2>Lb90 ƾQJS&_DWmEFA}ի t+EVVdjg8uЪ ٺu4WޣlSgVU|ɚ&(vG`rp:9rIGK\@GܥN\RG<R;o"p&wc+p:ΛtA]%u#.&rG`rp:9rIGd'v^lpaVR[v(=0u}G`"Q5+8#.yL#LYܥNYӻ⎀#<R9:E]5+8#.yL#LYܥNYӻ⎀#<R9:E]5+8#.yL#LYܥNYӻ⎀#<R9:E!("IENDB`)Dd z 0  # Abw)70׎ }aS)nK)70׎ }aPNG  IHDRV_sRGB pHYs+(IDATx^] %Ey>^< TKT2H5(A *w- lG),Hb4s)]]@|D*!TJѽw{gz3MuOOsnn PJT@@B%f$pToڵ}{_|E߲e {@GB)_|-+݋^SuÆ tA˼܂!L"#tJw_`p#l|4uo:ARΐ0Doć37s,"(rWH6M%(X1HZ)%ň!Wi_s5DQ#EM2%1Ynh9[pO4\%Q[$*+jSˎ},MD_an!{nwNȗujhȩr4i[$qVb V,TU-,(&ω}O H-R30CRNR/寄IEjӨ80O ^*jbG1*LYOkkil+ a5dxVlQTͿ[UCw$ V4M(jB 2rF(3"ַ_.@Ndp ^zoֽcQY]BSd2dFb9Eo,Sgc4xMhF 4| 7q1+W.[qˬ+*+6mg}#$}w MYWdHU+2۪tu>,_]Tgk<##RgOmnOv3g/ ץ'bs|6kb*s. (I ̲ ⫝̸Ey3"Er(D:"%YJ:dИ@%38HJ6SjLbn"Y FTbJ jubilȉ5!kZln*LZ[wāI_'B-H]Dbc<€ c+|v)QZ$7g"{? RAk] !x>4 BW]uˤ< zӛ޴zȞ>Ȅ7dNO[\.g %ʏ(@ 7GCE #xP@ 7GCE #xP@ 7GCE #xP@ 7ܕQ 㶜ȏ\ 1@<2d J@ G1P \@4O̩p(']PWT0D麖ѲvHa/C:&p#I"Ȳ`ʟզ/Wj[3"ETZDHȁ#MjX`FU53p 1 f:(QEgrhTx%ksnGN4&Ij@% 2Y:8HO|h™ H!iިU+/4>] 9IՇ/T+*Qqpv"L'=!XCkUB'hZjΟOѱn:Mt:=ډ䟃~ Xï_^b,q2d#}=G H)ģ[NIz3YXePƜxRXnڪiX!r^Xr|vQK]0;x1xj r@wk Q@~fhۋ^uW#6E!022¬!.F_~_~d PbQ'z<˷zAoR6Հ@xmW,_ڃ]}/^ovX[9{vc7o<~Ѓ`CK P3^~mL y^%s/7m~?) Q[a%Ib_guW2}௙szqzS$zsX;~xͯEo:bq F|f,O{P P$#K6CqnE!.I 3_0ޑF~Txă83QJGD;쒕#Y@Gyܢu9N̫iMܫKP K zģw! Aم(@B_%^tɛ9c Ao?Q} G/^qc0«4g6X juT>ei1)u9WH4%ƲNq965wFcţj/83v1q-#g\ZhqӞ =' )8{}Vx /ql ݈xUƯ:u0׎Gl ;1̪ ,/4~UcccAZMhfr /2 ʫcLŘlPV4?rGr?lnWG.m4 ƯcpG}, ?pQM糩Rť FзyTƯW9,s"O3L3.?ܲ?ĭ(p*7;z5r8sٟgˏګF/3Xˡݫ̯HE„oij_UͽҘZƯrh_W~R#fgBg;hd{'Q 60R᧯rLMM6ω6Α ;k>1!j@Ğ?fe#٤ӣe?))m1ʃvguϿUR8h&[{h=,|_s9z^~MO ǎG켴"3ԕ-k錺ӎ nrKoXd=7OZoBb<5(|v[</\RGd4_j,RDn8mfR#{:-'R84*|3䯧_N94:W+N:ؑd@`wN|z! Gym=+|^c4h%Eթh3ˎyDB堋Cţ]_OG[JDnym1G~[>tiǣZ~4qWf6~Jۅ[lji8`=d@h<ϾV(-jmxz!&hoQʂ@pGR84*|*sv._g;P"(E7JrI'w|b#wtzXgwSq<ƕyOŊ#K4r_i젹(BC gz'Q.*CSZpFOoEh{vH9L.ςrxљK-)9Vx- w5#i x--x놗f׶4Eyz䝞1x5]޳LR p8Y Yx&Ľ}NǾd@5e>6[z!hEH;f2e3*hFiVD?z@HJqey,ɄҢ'dGHZC.fDPg(-B0ob#xD[w;F+Fx-ni-*'Pij@ R#yQK(9?2ߒ㻁-9qJ&S eCH @#"WV2 pF#רwl =@)Q(ģ1 @ _7;R̒9e"U @㑘+aE/TH8f,*`@a(~+(彺a)EAABR9-Ia (' !h<`R` @~*@t #1o.lXJ(ADGr}/ugTϧ 6[FvSO/EюGu)p>Ia ШP-֟O8ˮN BRBAZ)ᦳmp[3Y%QZ? /i9AZ)#3Y%QSxj u*_%#;nu,&o?~g>MF2RZ`^N!y3>s68O72oBqSgǍG3OcqQ~? f>#MJ~G[*#eOJ?;)?/bg?1rvzixv ȁ(# +I#Hտ:ODN{hZaRBɉ =nK(C.[@GדvAt5Qæ;ԑdv,cBi, 볷=4) > -2~VwGy 6=3xL>!g ߋt??i_|5v'J/ 麔>Ia ШcU,s(~@e$[{L+$EAAJfo+Rv  bTrUz8YL xvţ]0"@h~oغ>] w4f)DABJ_kq\ooc bsh;h8H/J_3*QECrjZCK[d ;ACӤ TF޽澻N8a=)T!/bzȥѲO+.=4G͒2籝'4c}QvFc16k[Y_K:+V|lr*\ GN 5k|J~Vջ(@ڿ;W#kƖMqC`1:7J?/w ,Vy%U4{~a_8./bZW1SśpJ%*-;Al0ԎD*j#ZaטU7鸩FM#=e)˂(:""CJ1xG$[u 9k_xDE7U-.})Qg7^L͚qDo%;|G aO1@3Ka}͔jL?u>[{vKj^xh^Ԓv>ط[!yR)ߩ84<}-ھ ޝxD^l=~|bbbƥeTë+DQ6iyG$s(umrpp\fŋrl5AJGZxPDj5]#oF.AT6ql;Vı%q^y|Ե2kR>O_ M4UF4ֱhH,ҪJRȜ/3bq^1u* @Gxޟ/UG۷v(1_S+5b_o"e7OFOeA"_yQ*44tJ@jԫ]vT>b)TOh%n/2jKB7P3̹a*]wFs]K]70y}u<*"e~.)^;44DC #u[NDu啜i|2-%%Y$E]aʲ,@cb/L[fJQI.q5% ll&HD+u|r6G3Mj4M(gs좿0UӸؘ>c*JQiX \Ei~_ش&E dՕ,]pPj-3/A[z4:ɔI#_EbbF,=4_*AZP-RG&LA^HE[vy'0̠fY7[ȭNQL-5!SL$]UlijiUvi@,fZ Y4F$J".'U)X!P"$*EUQbZ.RDkȨ}*|*\VS@DQK@`HD  xTO@ z56_&+F <_ ?uQ˩M[oF.z$u6" Fg׍Q2kߵ:jCLCzQP*j<>fF( U80/Ue޹ٵ$HN g>AAΚIbaUA*2fUJZ~644TJ6 Cu6p(GE Pjz7ZBV@D (*oNPt)48#"HE xTO@ ( Ge@m xTO@ nKIENDB`DyK www.bankrate.comyK 2http://www.bankrate.com/$$If!vh55155P55p#v#v1#v#vP#v#vp:Vl^ t#65555c553T$$If!vh55155P55p#v#v1#v#vP#v#vp:Vl t#65555c553T$$If!vh55155P55p#v#v1#v#vP#v#vp:Vl t#65555c553T$$If!vh55155P55p#v#v1#v#vP#v#vp:Vl t#65555c553T$$If!vh55155P55p#v#v1#v#vP#v#vp:Vl t#65555c553T$$If!vh55155P55p#v#v1#v#vP#v#vp:Vl t#65555c553TDyK www.citigroup.comyK 4http://www.citigroup.com/R;Dd \ 0  # Ab:!0WlxR1<:L' n:!0WlxR1J/~2[߂ HpF/zI>R}{G#RCUqӟt~ԉf!?!\Pg^7⟃$@Ip!qk{oIK[|(2/$1~ӟ6ʟC߭/|Z5FW$J,Kj NZrgA!d0/gUQ"`[xGsw?~-;45Xb {ϧ>)I0k~ߔI#E]"ͽK>~QG};iL3n"07o|wkBhl\(?4Ky睷gϞvjv\?h}g,ȸ JCFbgq 8\r%"Ѥs+'@0@ka}ky-Jv|eC#GeMv͓[o5n׀ ( f4s4UR\d0&@֐j`Q`7?<Q}|]weHiBCeyJRaNay/ yQFt1"'l QL#p]fߨl>&GG"`/Xk<4N/e]Vc%-OKpF #ڇO~V"3// 2 _hDSIO$CϧyڟNhJ>^WHW{$bH\`O?|6&Q"lkyPdD U0%Q"52$@?Rk+D FցD @j~x%u":$HNYD5ԉ@"Z#J{?V\39aWȕc(ed(3N+y&p%W<G0ƅRdג~aijW9E/95xJs '``.zyE>JoSDF{ i3('D*0_j RVz?c¨s@rGaق&@\ɪ/}%J2ﴔz~] 7ޠh\T:ݻw{&P dEVysge05wFY1,yQQ6Q7P5+>?8p@I.54/k+1ꉃxHh-#$|OkP6vZ5FP{&BO:$BΝ LN=TkƄvT ] Þ̻,~BAOCR9yf|݄ ?xw8LZ)]"0?Rk̯LRD`֘wltdSyǦv@,v2ҳe,[ ˞|5Bɪ25یO XyƉf(2(uRN7F`Erg&g_J=zEu䳤Ji@bF\(H˥b*]Ww#ỎcuјEsJ# k';Y肳XۃGd(Vs`]J>-ϲvO~eQ. r,Fou\e`pm^oW~#%FZp/^hn"Ϯ&\a.Eų(:U>AFWoJk;AD! Bv4q|IC R$i1Xk3{ sϪ1GSGrxF RrGxA~|*Qpܒ=ZQ[ʌ'z_UK5x yRdq*KZP-:S#GJ5X$gcXAr1tO?J~x+J^b"2A(,N6U)=Jv}) ENuiv`-jN]Q~Uf|#h $:NiY^r]KLHJ'Ԓ kF .n;1U/ ys`n 0E93`VEAZr ٘\_䇡QS?gjƩ16pmؾRʹGH r&5G}s%͸Lᗴ#Yϖx<馛s VhrOJ%Fh:s\WU>]|Ku9+CFrpP]HEBZl.X({Vc,S]|txep hɐ\'}/OW MxrtVZT(QNI/(EY 4O:392_cJ,gJ6U'\܏gP+|ո!bJl'?$ 5R??4k%-fy.g(>XiJiYPr&yR(siJyTCNyԗ7*.JerApeL*B']c_e2%ď̗Uq$y|z+ =3iܧ[װ-L F5GҪqzT [wVFݬXF,-[25%pg򚏴K/M7̫}%Pz>%7eGlYfD73&"ZcK-eN։@jui'@ѵkp~1X6hv46<<2l^;6TFUF_UDд۞v& D Xi/0 l Ep^4Aµmm@Nm^KX G6m$si}}):DL.H OtX"ꪫlx`ۢlCMW*fu)(V&/bW^KizPt/ж6O)7(ç*D!Pn67B2g.6C<[86e;b{Z02p 7#_tEرC4aZ*XAJG^RhYJ3z5}lAdz_R'Lռ^ O m+3*)çz ;i(ۋ (eW^GIpb-a6q֧8R[roQհB}$A{aMTdhH(ϖZ7l7&L5*}>W:F3(çae#P=v!lU4Uu:μ,|xyLhy :WԆw9mW.[(!~uS-ZWa8P% d:XkxYɡ*AacڧN\`\T;CKᥥ<І+60c]"(V\nBbK EԇoEe]EreqlOvт )X`_9Po6eHE uHmES$ Zdp CݻDɔ׉l^ktYx Vڞ$< N'dV2#Þ8麣Go"V SQ4M{Oڔ [5HC0 4фV^]h>)M=nDzSO4 ELWx"D&n6<'yɝvCµ&iJbjrg-#9%5Ny:l^{'zEyM!CgI05sy;z'v {CYŔ%B`6]|M^eĉ@"_kk$@"K5 Zc gF#Ek:i2ca`SWٕ;9luqL+H2bN+MD`6~oҰukOE+חUI?8T˸zi)Wvpv gRf˵h%#W|&>6+Sǎ ;0O9$# :Wmug|O\agBC*,ЀO~cClE pjӽkd-tzBlMӵGY`lOpD#5p@*QF!-ʊ-5y\ĹrOD`F45,P2*dD8Bq>$(VQ=ӽҘC=tqJV@ kaB&8)ihAk0Вd-.VH/p3v5kyŜ%#"p5ԏYqd@nX㭏5?-2gҝ;w2 q5 }kM&Rjh}rɪ$]x: 3 f7{a5T>Ѵj뗄o5րo6EgC>YaeS 6o CF)J"CoJ̧\)@% {C#ә6NyLJrQ T%ȱFVD @j~x%u"L540/ lYkG@zRduԠֲf!|xUWmIOr _mY'K$GbJz"񰈶CD&e'#, 0-;ɑW54I˂2(-bcZo#;I+JiOr'N TZ^Ή.~.s8B̮(fYo8˘@~m VmiH|W<m푱.76 pT*%w^}Ej7xJ#<`Za9 SRΫ3u]pg[^ myv>m eff-;Gm?FѪmfQ @'!A.ەSN>- $RҩW|S96'Nr.ijT23# S=NQxPZs0`O$,jL@(,53OS=D2x%Fx[-)"?ɱ<x[Z#M^ZC̟hbey!*kpsm+TV=tUTG=&/ZӢQ$F/ۢU2핥k p RT\+6Cijj[tJx/x~cT4<1Sx}g8LMSx433%I %-"XãWv޽VCe v}q, \;|mقM++WCɳ:WCj[}>!dkP=m,n]v{B 7p!*%V)__gnƪ7f8[ZrҲ=֒ϖ-/;f5i\o5V Aرc2nNkşt W%C|O}w^oz %UI3)"^"wqLY䎋j_rEG G?BZH+$\[-͝矏]w݅lK(0) RZOHl&!P5-d$@j/A"ZRkL-|Rkl~f"Zcxgj#0`iV-˛M#MHVP1gY$dvh?~b' Iu'2…MxEYZbie%1]ve'p±Hhvܩ-دEe6:MpLzꩍNCRL=3&m*x3c3cY¡,ceLԥQt5;RfjVzP^p|*i XWLLPFU 1:uHR6P7n1`j""0B 0ZLen-H2I~c :{CPQGuԎ;he?)n{Ȟn<я~4+'裏\0|3|ňK.="hL"C@I\LUpDwEtrE2\ ֒%W_}5?ۓ*41EGyĒ+p8@Q6C2 /rP"J+Z_tf&WBI<j)%:h@۵kh$'mؑZp/cD;y߾}Zed+hux&nHNsЇ>DZYkJXY2E8h̒".- [Y8Ӄa5xe5m{n>cDxKa!eaML/{gW!ϝCa5bHpPpjgsaEpgzpYgՊT9Hϻ籉(CMZZMYՈ(E2 [Cp"j[sK _!-}k $k;ϡ|yI,կkXg{@639?7{ˆ5^pl&@ i9OzF6,?裌EYkUI7oYR7MlL1'vJ= JQ(Tm.K/T?C689Q)ähQ G%zXc@d@"P@jJ,H@j @"m1y_qfQ79@V|},,?g>ϲ 8ΎMec Egկlկ?ʫV %~vtI^0IҒ|?۾2+Lү;*L ad!F"N-v 6Stj91sK[XȬlnWlTK2ȗ+_gb֨,מ\5:;u%TdJ:/U*Lk m%!3%^.c*VSy5C{…5LfrEF Jޒj]Jr;vNo ]=Ȥ~(-f5O3͍V u 5(ekWk{,#@Z_W-9pZO4JT5=ȸzQLILx!- c(ڣ|x>:hZ!1w&XDe 33Dl6~ssg59[Ы:)sIHzeȴOk7AF'D~8$~3h2PP.fWlonzitV\T + rkA~3zK&wZҶ_&z\E 2NEbd+΁R ( eJ!#4-JnVdĿ]`IlaOFboQ:(Fw847uIIM@"'u"lSRklӂl%!Zc2hq"Mآ53eraJƫ[ }'5qe\SC);K`jg`* <`UV2<6[[z wjVn3bElw&]W453$`*R 1SiJZ#kUJXۼ*4[Lꆷ[)3-/XjyFVAe5/۾={`ʢ#ցhYzW|éI#Z[Җ &X^Tb1ycAr|y>[2)ֱpyZbQ IK9쳱p٣y/ۼ<-XÈ'&RJ d5*o}(cabeD -i^g,H#ekJgI$@P6RD`Xc'@j+8X35\|"qظ"K5#Zc'@j+8X35\)yY3nOv@,QJL]WE?)`stWb@W0fJE^_|Q^uXVu:9\tI4d(a!KNABDZd&ŒyFӄF qh[)揧ыh,v̡ܼ <+C& 9X㡱,W->-l>p3EݚS.{[*ИW^c KeR p@T jļōd"ɷ 3~+utN<@qH҆O<^0bjQd Ӑ|ɞ;Oq\&B߆Ν;qeB/g2￟C8&uY!?x<_z饰g &JiW^Da$! #@ 9SYFXi޽FLoAXCz(N=Qr( /Pڑ.^_E/(?7NS#@jA7=i`j*cVgPխ1|YkSw?;h߾}LO{ AkuQZ/t=w}TK-1LPU*hʗ_~Y+bx-J2?IPj3<*}ɇ:fvZ LxWȫ%q5k礓NjdXr=STyZ)lzEB"kI޵Eˠ䵗5DU@P+|9C )cx1 B5a]&"<]C$[#gIwX0,/6_5pK?`k?A[ot¨1Z3}Of)&: ²%$]}eyfD!:êk?m>ҦWAYҍG^\{Le;7'6Ƹ@ڡl2&">3%E;ktB@"Y!D5ԉ@"P$@?rNYD5ԉ@"Z#@"C F?:HRkdH~WR LZ=fz򌛶#-&ť1дpQ ?{y:񩛛V TZEՈUy(wUO|)՟I9hǣoE-pb<ep> =7hM_Sz@!yBWI]Iu(*ԛ *]bP琢8p4e{9<#{1*ϖ\^t pqǵSii23kĘMy(mӇ?a^<ٸy79yp Gwy"l CXtE{9d<eQB|zꩁxPCrhJT~{=w΀R ">#F]׫)ZT,z7gZ*= rʸ'O (\}f`F_*_uCgn硴 CP a*evD5硴Ȭͥ(턄rdy՟ҘIZ7y(H;*jH[R˧vW5kg^Oik'd#փ)J $l#:O5Ic"|3~ZCiIBù$v63P!'eCP49jԥEo{L)c,^M @Ce(,1XOHӛH4xt:Z5Ug3̈y`BQ^{5N; OtՓs}G= !JEk 23gG$u~& 뮻BXD M Ͼ'AZpmFGC JU3_tþ)UF7iŇ`]v91%v};.,դ8i*x>Ҏz[-`L]LX[ynPSMG`dp@"Љ@ڡtB@"Y!D5ԉ@"Ek=s:mQVQ:_l !l*g(t$_'٤7~EƣFAl#c) E?/\my< Bl2Sթ'=pa+RNFBdHcQ1X*PND:`c K2rW}D-Y+ۡ9yvAHiߠ;`KRkXzҨDp]S )i:0l8wW0Z"Ҧ RS$,Ru o%$ V&gW?xeDJ^a8iKW[DB,6 aͫlNY+'<\bˆvhO fj6잆yr5_iL˱W_!r`Xd gBէuI[ڼK[M;5'׌zm OMC woZxo1/T$CScN H Z#+D"C F?:HJցD @5ԉ@"F9̐.IENDB`(Dd 6A 0  # Ab!(cAr欁}mL'އ' n'cAr欁}mLPNG  IHDRj[sRGB'IDATx^?^ч?2KA(B)L"QdąJ$@Y@C@I#eE %Hm!'(=ɣL=sW{vvΜ}wfo??y%@"vwED"$B GA"D HX"HXӟp =ܗ_~ ?_ooC۠O*"o0F '449ˉn/[o~c\կݡ#3ON[?O?4_#Ua>_4?۲qMdUC{ye?`[䍋DI{Gp?ܒxWaD60٢ *|vZ[~;fmJTH7|zJW#"KG׾&'}BgϞ7|ۻ}._}R8߲e<@ӷr.][=$I`Cn ˭]z?l kUrwQ J)1(Ng"G%/oUH~^\UgR.EMU5ND_KB p7|u~)2_4.r[MdOPK_݌5nR ; vӰqU^k^+ja3_z뭁k%TOS/~_GFiPA2;~hs*2sOeU iBBcǎ;k/$$ xyڵԩS6[+$DE`aG^_{0,eGa`LrƘތ֭[A;l߾(4/Fʭj?<3B)<-¢ỗĻ[ҐcoWUV~Y9sٳ{/#(3=䄷w-[_^~e|´ꗹv1Rܹ; {%M׬ȑ#QrJd{7.OZc;kfL/⦛nСCHO? "3|p#/ 6(1:POP˗-8@!,v!,\ɓLn.^O<xH1[~̪kVudD`HC &S.^څ4MfJ &a5Yω6X0}ܹspC| ֮E<ǏW?1~F9K"Ч>>StO'TC7Hs膯k$xz<2 J|īۄjX-pudAj(yV9AV dnJzh8$A\%r$ HW"  9KFv'q~LJ~HqI=qk$26OTk=GA OM4-yࡋUӖF$d#e": EHN ~*1aJ )S-1壠ʊNI=zoQDXk`2sK˄, ޽L\ JWYX+!.q$sf1]GeHwJs*<&UBm;v ~;}===D`OX43nuq66X'n=SE-X@q\lC$uÚneҚn&m~* PRUki@a5K]) &ڇI,oN{W8`G%|ЩJ69uʱ/uoFt3<'EXH",HD`C"cCkv*X>r_G8;0<^}@;uO[8]p\sYja]S;kH+u $,vD=`c`[h%i  `o݌%]Cx cU =}Ȭ蹵_]03/ebIOdn`&\fF"AՏ q Wl "E.Qp[v~-F]܎TsGe?3½H؜.ыJU+½QL:*'&CWjWJatʎe*ͦWI&o*n!SS9d~ %Hsۢ/3k⋴uV:p@s _g^ꫯ Ά]Hܻw/{dx˖-<0[?[m۶={v~ S]wʶ~ry ֈ*խi-n 7[T:EUAq#-BZS}ŵ*=͂S"ғQ.E6l 5)Rڤl eJzw8!QQTtVݡ Ͳ3_{ī橮'N"25+br=F` ᮔzLWAb}ia*Ӂ($ټ9"B~Am`-N:%~,8o-jJ3˯*?Кu7)O0Y_Z"1\}跢SL'yVֹV˹ʉ]+oMz'[exǜ,UFUaOp^+5`Lh \j> w[]rQ,dܹvEi>+ҹ S*. ӧO#W^v/q&t[x嗡_1ں]yȑ9å śU?K/Sߦs۷7po>'S]FbIhmMՖ|Xk.[Ӡ Qhڇ& u=ERW])y=YpVVtև-<^Yke/z,mnұp x-XWq #{Z y?$ ]k{}ֵ/nkk0L/]&hI$L&E Ǧx"0->E0'TvL>Z`޲#)G,?#ſġ xG6KP^tqȘټ̙3;G KAƌ$q_8NC`,=n}wyg׮]hlx @,m& ^jj*X*ize@yN0 `e衋`@/ח q] 4 {oǭ?td(H%N @ ?D`^y&P>Or4E#HF"HX"HH \KT)@"0T#b@"#e HF"c$pYlxz^Xϥ0ܮ>ei\Y &ĔZJO vOGUX H O|bMrt9=N!k ^^]!gN븷-W1ggԆ^U.[\t*D oUTs#6nu%meNb[3G㠙y˳!٘ _0҂hbUdcyY0 HlpH֣#pR:=ʟ@CB H$peq9$&n6_Fdm<1FQq#qm4`hȆU$zz*"Ïq b y'mKĩóJ3^qx{;UB9N!eCU6h2OE'j4Xo8 vXSk*">S;u] 6zG,.n߾wq}{筷`Dȵvop gA4#ˁZp^Ȍ1;%֭[b{I0AA_&ɠՕ?[ay駫իQ Gt@N<9Acǎ9 o͹p Zۃ?4ݻ}?QrK K=L+W5T}ӧ%k-k]A (9ŋbx_S-RV*8Z<40y?ؠ#|` pG c_v pesd#΀~稉2T2 B)bǪs93g޽&!X1bϖsسBttfԩShV.ƅ6oՆ-l(Y^t1ijo h%.hYU}:UX{֥Ӳ~(`]ɴX&鿖8rY6N,O0e^Ls5+ N*!vib:>KA1nUXP' <rvE,˱b1U4*N äZ[W0r p:&jNpVKߘwr)N6AƓD!nG["NW'HV <$+KWZ@"Ё@}h$H \KT)@"0T#b@"#e HF"c$pY,HR} $HR}.%@D @eD H2$#H1,$>RD`$>FD G@"D` (64$@"0ǹsh} *D`c!Ч>>Sty~?J$8؊t8ۄ40i;&ATt1z!s=G&U R"܂qdɁ& XIV>/$;NEpI/⭷_!W|]~wp\񈂜9Cl8dLֲҙ3g<";0ZN<*82ɶl䰌=s1Y;Y"H<ѧ[7j+;qs\=UsOz[ʄrLN%cFBРm֜eӭ'09ͩ׋TV"1T|FS>#r EKdlVUO#]v د Z__'$@"Ї"vr-Xgy&$H6>6RًD X'D džT"R},l^{uZ Շ>&'Kׅ#L?5T>:*x'_>JtO(! 9ziKM  *6L4yݸH ^4g7eڅhU[mFGoEcXtO=񴋌}bl`f{"`|˅灷>(~IDJ%\Z᜺`䫯J O:J6'M%ҵ)5̯V[>+^uUR{=oJ Z2QB A[2q"inb ۞rDl۶ ?LecsnYMog`MHܻwo,ln#T^H̉O)tm{ط 证=ebr+}Q&V!ЇM2qG(rUG,n*TWuz_qêBy`#6ECxKC>T̵J 6!Y1Y f$P*ewX }>fgT(΋K~aT}ö!WpK&PS}|1{:ŧU)zZrKo($IPVz+qWO>d6Q~DxK^mF~ζt- n He24]UWՇPG7\}% T.%^yDL0CM+~$tGtVFnk[d(\Ή[ aXS굘Y&.͢ =\j[ m.jK;w>ĉjHߺF:uH>#OF^ӣ/?Vş,.l/ٳ{/)Y(FUP Ο?K.yw@nY ` \xqVu˜۷7׬1Pp32󣕢q{o'ZSfE-R-6ƗNTnB @%:,8ފZ1|kKH&Hi~󈱎5! [Zidÿ 9J[)eӹ?*K0$"?kNDDgmoZ_^<27@KD hE`ڵ5H6->6giH1-Y>ششCOE`*7SˎpQd?Ib³:6:~p15[!ae'H%d繋g-9:a OgO4n6mO4dp:8VV[7u+Jp:[Ƶ8M.61Ϧ-tA UoP4t:MNQQDK=ѳ"^IOK.Q3n2?)5jvVdkA+v4Z*VU/܊孙3R+e ח7޺SFQu~LXٯql&1d߳6ծSՇTp3O*"t8iVwJ)aWD}Ȓ*A$*4!7:=ni:` R9Уe0Af#*8IR g*pV o.q;rm%5dKlȧHi餳&Ci^Hi)ZGKbR}L'p'}.ZF' wcaK9s4 VGÚ~k٫ gЉ6BYVbbUCUpó&w=A"(-UZηJD%z~|k K90+H 0c2@"!H!1;,T@=L6kB!7;G<>&!D%E#HF"HX"HH \KT)@"0T#b@"#e HF"c$pYlx|z^Xϥ0ܮ>Ӹ<߼&ĔZJO2jrOtB:t_ҰGpPʉ1ʽ4h~ѝN]?NUʹ-##B/* +~[1R|QYc5VA j` U,1Ac t1z <L1 Ikn rb^|CUN3jdɃ F%?M",qo*pATJ16Oԇ%G8y"iUA( Qv -#+jS#ɉ`ošA (ʨ?;bEMHgR&%%zڤ_ӄ!Op>SjXtWbQIHGB*QQZ`c40Ν .T|8C]A;D|Xf&ʆ/P͕vp,RZ܆1B9UV ٝ9iU!*x7 u`AGi8e^ !ą񰇐)ڪ`T4UJ}}$( c;>dl_嫥|UP.P80xb8?egj2qQDcmanӪ>͢CKFJQlUa,O-glHw|I3qQ#Bhb?riO9 #]EZR%2sU[i9=uqcgۅho͹p|>+́H?~eݻwabѣ?0 O={3 oN>-AOYBEVex"9_|ٕׯ%3!1vv53Ν!$%!HTAqL,uåߖ&dj:r5s^ߚ1aT[QҩƂAijhJh)YUtʣŪ @ܺt{Xͥ!6pX,JF5lEDusbLQ,w-FFZ-JᐖR2C~eLe803A C&FgΊ۬n}q_[ Fo݄  :vٳgQO>g$KD`ݨ%bM'@+*9#HZpMˤJy"lFR}lQ>'3A L`J͈@.nQ>'3A $TqԳωLH1D`3"c3z9 >fcVlF<IENDB`CDyK 0www.citigroup.com/Citigroup/fin/data/ar032c.pdfyK nhttp://www.citigroup.com/Citigroup/fin/data/ar032c.pdf}DyK Bhttp://www.citigroup.com/citigroup/corporate/history/citibank.htmyK http://www.citigroup.com/citigroup/corporate/history/citibank.htmmDyK >http://www.citigroup.com/citigroup/corporate/values/index.htmyK |http://www.citigroup.com/citigroup/corporate/values/index.htmYDyK 9http://www.citigroup.com/citigroup/fin/data/p030529a.pdfyK rhttp://www.citigroup.com/citigroup/fin/data/p030529a.pdf}DyK Bhttp://www.citigroup.com/citigroup/corporate/history/citibank.htmyK http://www.citigroup.com/citigroup/corporate/history/citibank.htmDyK Ehttp://www.citigroup.com/citigroup/about/productlines/retailbank.htmyK http://www.citigroup.com/citigroup/about/productlines/retailbank.htm+DyK -http://www.councilonfinancialcompetition.comyK \http://www.councilonfinancialcompetition.com/Citibank Case Study (group)itivywuankywuywu Normal.dotsJosef Mittlemanndy 4seMicrosoft Word 10.0@Ik@*@f܀@~k`  FMicrosoft Word Document MSWordDocWord.Document.89q  BrowDocumentSummaryInformation8 %CompObj jww.citigroupai.com/("Q$http://www.citibank.com/privatebankK[K)http://www.citigroupassetmanagement.com/;5E#http://www.salomonsmithbarney.com/YR<!http://www.citibank.com/dinersust<6http://www.banamex.com/Q0http://www.primerica.com/g"*http://www.travelersla.com/%W!6http://www.citigroup.com/citigroup/business/index.htm#\A%http://www.citibank.com/CitiMortgageQhttp://www.citifinancial.com/Phttp://www.citicards.com/^R http://www.citi.com/%W6http://www.citigroup.com/citigroup/business/index.htm#].http://www.councilonfinancialcompetition.com/#$3http://www.wachovia.com/inside/page/0,,132,00.htmlTB7http://wellsfargo.com/invest_relations/vision_values/2^Y-http://www.fleet.com/bankofamerica/index.asp(%Jhttp://www.bankofamerica.com/community/index.cfm?template=cdb_comm_impact Ehttp://www.citigroup.com/citigroup/about/productlines/retailbank.htm Bhttp://www.citigroup.com/citigroup/corporate/history/citibank.htmRW9http://www.citigroup.com/citigroup/fin/data/p030529a.pdf]^>http://www.citigroup.com/citigroup/corporate/values/index.htmBhttp://www.citigroup.com/citigroup/corporate/history/citibank.htm Settings\Temporary Internet Files\Documents and Settings\idasp\report_bhc.aspiu՜.+,D՜.+,X hp  Brown Universityt:Iq{ Citibank Case Study (group) Title# 8@ _PID_HLINKSAl#,~&7http://www.citigroup.com/Citigroup/fin/data/ar032c.pdfJhttp://www.citigroup.com/POhttp://www.bankrate.com/iui\\cs\dfs\u\vywu\vywu\Local Settings\Temporary Internet Files\Documents and Settings\idasp\report_bhc.aspiui\\cs\dfs\u\vywu\vywu\Local Settings\Temporary Internet Files\Documents and Settings\idasp\report_bhc.aspiui\\cs\dfs\u\vywu\vywu\Local Settings\Temporary Internet Files\Documents and Settings\idasp\report_bhc.aspz\l\\cs\dfs\u\vywu\vywu\Local Settings\Temporary Internet Files\Documents and Settings\idasp\strureportNew.aspiui\\cs\dfs\u\vywu\vywu\Local Settings\Temporary Internet Files\Documents and Settings\idasp\report_bhc.aspiui\\cs\dfs\u\vywu\vywu\Local Settings\Temporary Internet Files\Documents and Settings\idasp\report_bhc.aspz\l\\cs\dfs\u\vywu\vywu\Local Settings\Temporary Internet Files\Documents and Settings\idasp\strureportNew.aspiui\\cs\dfs\u\vywu\vywu\Local Settings\Temporary Internet Files\Documents and Settings\idasp\report_bhc.aspiui\\cs\dfs\u\vywu\vywu\Local Settings\Temporary Internet Files\Documents and Settings\idasp\report_bhc.aspiui\\cs\dfs\u\vywu\vywu\Local Settings\Temporary Internet Files\Documents and Settings\idasp\report_bhc.aspiui\\cs\dfs\u\vywu\vywu\Local Settings\Temporary Internet Files\Documents and Settings\idasp\report_bhc.aspiui\\cs\dfs\u\vywu\vywu\Local Settings\Temporary Internet Files\Documents and Settings\idasp\report_bhc.aspiui\\cs\dfs\u\vywu\vywu\Local Settings\Temporary Internet Files\Documents and Settings\idasp\report_bhc.aspiui\\cs\dfs\u\vywu\vywu\Local Settings\Temporary Internet Files\Documents and Settings\idasp\report_bhc.aspiui\\cs\dfs\u\vywu\vywu\Local Settings\Temporary Internet Files\Documents and Settings\idasp\report_bhc.asp7w~;http://www.citigroup.com/citigroup/showcase/liverichly.htmeGxAhttp://www.citigroup.com/citigroup/showcase/data/lr_en_bb_07.pdfeBrAhttp://www.citigroup.com/citigroup/showcase/data/lr_en_bb_02.pdfeClAhttp://www.citigroup.com/citigroup/showcase/data/lr_en_bb_03.pdfvi:http://www.citigroup.com/citigroup/fin/data/ar031c_en.pdfRWf9http://www.citigroup.com/citigroup/fin/data/p030529a.pdfWc6http://www.citigroup.com/citigroup/business/index.htmx9]http://www.citicapital.com/w#Whttp://w      !"#$%&'()*+,-./0123456789:;<@@@ NormalCJ_HaJmH sH tH :@: Heading 1$@&5\D@D Heading 2$$@&a$ 5CJ\L@L Heading 3$$@&`a$ 5CJ\DA@D Default Paragraph FontVi@V  Table Normal :V 44 la (k@(No List V^@V Normal (Web)-B*CJOJQJ^JaJph>@>  Footnote TextCJaJ@&@@ Footnote ReferenceH*6U@!6 Hyperlink >*B*ph`T@2` Block Text)$7$8$H$]^`a$CJaJFV@AF FollowedHyperlink >*B* phj@Sj 6B Table Grid7:V0HbH _ Balloon TextCJOJQJ^JaJrorr Z''control number$ <` a$#5;@B*CJOJQJaJphDoD Z''date ;@B*CJ OJQJaJph.`q. Z''Header$a$4 @4 1Footer  !ToT 1AUTHOR$ 1$a$B*CJOJQJaJph 1 MH!7Y9* / 0134;=#nMn| Zaq54Pf i |V[\]gh<=g~ Z [ QRabtuv]^~STUVWXuvY Z #####$#%%%%''''*****#-$-@-A-00%0&02222444445588888.;0;====@@%B&B0B1BCCFFHHHHIIKKLMMOOOGSHSISJSKSLSMSNSOSPSQSRSSSTSUSVSWSXSYSZS[S\S]S^S_S`SaSbSSSITJTlWW-ZZ]]7^8^9^:^;^<^j^k^n^p^q^@_A_B_h_j__````````_`a`bDcEcFcGcHcIcJcKcLcMcNcOccccccccccccccccccdddd d dddddydddddddd eee e"e#e~eeeeeeeffff#f%f&f{ffffffffggggggmgwg}gggggghhhh!h"hhhhhhhhiiii$i'i(iiiiiiiij j jjj j!jxjjjjjjj kkk&k+k.k/kkkkkkkkkkkkZl\lllll,m-m.mNmcmtmmmmmmn&nOnRnSnandnnnnnnnnno4oGoHoooooooooooop#pTpUpVppppppppppppppppqqqBrqrsOsssstSuuuvwwMxx y yyzzzzzz|||0x 0x0x 0| 00000 000000(00(0000000000000000000000000000000000000000000000x0x0x0x000000x0x0x000x0x0x0x0x0x0x0x0 0x0x0x0x0x00x0000x00x00x00000x0x0x0x0x00x0x00x000x00x0080x0x0x0x0x000x0000x00x00H0x0x0x0x0x00x0x0x0x0x00000x0x0x000P0x0x0x0x0x00x0x00x0x00x0x0x0x 0| 0x 0x 0x 0x 0x 0| 0000000000X0x0x0x0x0x00X0x0x0x0x0x00x0x0x0x0`0x0x0x0x0x0000000000000000x00x00x0x 0x 0x 0x 0x 0x 0| 0x 0x 0x 0x 0x 0x 0| 0x 0x 0x 0x 0x 0x 0| 0x 0x 0x 0x 0x 0x 0| 0x 0x 0x 0x 0x 0x 0| 0x 0x 0x 0x 0x 0x 0| 0x 0x 0x 0x 0x 0x 0| 0x 0x 0x 0x 0x 0x 0| 0x 0x 0x 0x 0x 0x 0| 0x 0x 0x 0x 0x 0x 0| 0x 0x 0x 0x 0x 0x 0| 0x 0x 0x 0x 0x 0x 0| 0x 0x 0x 0x 0x 0x 0| 0x 0x 0x 0x 0x 0x 0| 0x 0x 0x 0x 0x 0x 0| 0x 0x 0x 0x 0x 0x 0| 0x 0x 0x 0x 0x 0x 0| 000x000h0x0x0x0x0x0h0x 0x 0x 0x 0x 0x 0| 0x 0x 0x 0x 0x 0x 0| 0x 0x 0x 0x 0x 0x 0| 0x 0x 0x 0x 0x 0x 0| 0x 0x 0x 0x 0x 0x 0| 0x 0x 0x 0x0x 0x0x 0x 0| 000000x0000000p000@0@0@0@0@0@0@0@0@0@0@0x@0@0@0@0@0@0x@0@0@0@0@0h0h puI @0@0@0@0@0@00؏I [\z||O?;0{00O?  0 I  @ 0  0I   :Z!T')-b6<!CE%JOW[ ^`2ce6ghjkl~mhnoogpqqerssxttxy~CGHJKLMOPQSTVWYZ[]^`bcdfgijlqvz~= X'2@KI[[eqfMkllllll"m#mmm%n&nnnoooo!p"ppp'q(qqq r!rrr.s/sssuvSvvvHwwwUxx{DFINRUX\_aehkmnoprstuwxy{|}ESSSDTFTGTJTlTmTTTTTUUiUkUlUnUUUVV V V>V?VVVVVVVgWiWjWlWWWWWWhXjXkXmXXXXXYY'Y(YYYYYYY(Z*Z+Z-ZZZZZZ0[2[3[5[l[m[[[[[\\y\{\|\~\\\]]]]@]A]]]]]]4^^^5___`a```aaaakalaaaaa&b'bbbbbcAcdZdwdddd#efe|eeef&fifyffffg]gkgggg"hhhhhhi(ikisiiij!jdjvjjj k/krkxkllltppp qPqq|:XCXCXCXCXCXCCXCXCXCXCCXCXCXCXCXCXXXXCXCXCXXtXtXtXtXtXtXtXtXtXtXtXtXtXtXtXXX)zNP4`*e0RYi XXXXXXXXXX8@0(  B S  ? _Hlt70756646cv|@cv|qqq+$q u"q%qx*qnqܧqdqq|q+qԋql )q4d$qi$qA'qDqtsql#q<_#q|`#qqqq|$q|+qV$q5q,tqqq pq¬qĄìq(Ĭq,#Ŭq<Ƭq$ǬqqȬq?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`bacedfghikjlmnop!,,G.ekk77~~ xx2t||.. 0 0R0R02244555E:E:;;0?0?wL7Q7Q^ccdddeeee f fffffvgvghhhh i iii j jjjkkMsYububuuuuuu&{-{8{8{{{|||  !#"$%&'()*+,-./0123546789:;<=>?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`bacedfghikjlmnopB`*urn:schemas-microsoft-com:office:smarttagscountry-region=o*urn:schemas-microsoft-com:office:smarttags PlaceType=p*urn:schemas-microsoft-com:office:smarttags PlaceNameh]*urn:schemas-microsoft-com:office:smarttagsCity0http://www.5iamas-microsoft-com:office:smarttags8_*urn:schemas-microsoft-com:office:smarttagsdateV*urn:schemas-microsoft-com:office:smarttags PersonNamehttp://www.microsoft.com9h*urn:schemas-microsoft-com:office:smarttagsStateVq*urn:schemas-microsoft-com:office:smarttagsplacehttp://www.5iantlavalamp.com/ 1101996200328293045678DayMonthYearqpoqqqpoqhqhqhqqq`_ q]q`_  qhqhqh_  qh_  qpo_ q`qqqhqhqhqhqhqpoq`q`qhqqh_  q`_  qhqhqhqhqhqhqhqhqhq`qhqhqhqh_  q]`qpoq`qpoWaU[ouou  ELOTU_`ofl$2<wY]!!!"#"'/2/0067w>}>V@\@EAKAEEOO8R@Rqzzzzzzzzzzzz||gi5 > djIIN`T`qUuuuuyzzzzzzzzzzzzz||33333333\^`_`EcEczlltpp qqqqqqqq@rsrssRssssssttQuSuSuuucvcvdvdvvvvvwww7wwwwwJxLxOx y y y y yzzzzzzzzzzz||qzzzzzzzzzzzz||Josef Mittlemann|֋}Dw~`Z|BXT%nD'!Ҷ~LLbE_G@R[L*Utƅ4ox<9^`.^`.88^8`.^`. ^`OJQJo( ^`OJQJo( 88^8`OJQJo( ^`OJQJo(hh^h`. hh^h`OJQJo(h^`OJQJo(hHh^`OJQJ^Jo(hHohpp^p`OJ QJ o(hHh@ @ ^@ `OJQJo(hHh^`OJQJ^Jo(hHoh^`OJ QJ o(hHh^`OJQJo(hHh^`OJQJ^Jo(hHohPP^P`OJ QJ o(hH^`OJPJQJ^Jo(- ^`OJQJo(o pp^p`OJ QJ o( @ @ ^@ `OJQJo( ^`OJQJo(o ^`OJ QJ o( ^`OJQJo( ^`OJQJo(o PP^P`OJ QJ o(h^`OJQJo(hHh^`OJQJ^Jo(hHohpp^p`OJ QJ o(hHh@ @ ^@ `OJQJo(hHh^`OJQJ^Jo(hHoh^`OJ QJ o(hHh^`OJQJo(hHh^`OJQJ^Jo(hHohPP^P`OJ QJ o(hHh^`OJQJo(hHh^`OJQJ^Jo(hHohpp^p`OJ QJ o(hHh@ @ ^@ `OJQJo(hHh^`OJQJ^Jo(hHoh^`OJ QJ o(hHh^`OJQJo(hHh^`OJQJ^Jo(hHohPP^P`OJ QJ o(hHox_G@R*Ut~}|         &HP                          0Q * 96B>gJ N 2~ I m^B.Ji=>S$+ FvTEo*M8 ^ !`"W!#J$=%Z''l'')Z)e)Hz*-\t.v5 5q5]7><M =$>]X@IC}EE@HNN8PQlQ2RRTnTUyUVVdVZ0Zt)[,[w\z\F^'`$a2b]2f/Ygllfo3py1gyR{e~3N**ibhuz3B{ fSg1g7 Y*rOJ_e!y1CZNN,226z/5ah,1gN9c8JDRY [L{.4hpfx'fti~G+O#0o/( ,_u@;[\SITJTlWW-ZZ]]cccccdddd d dddddydddddddd eee e"e#e~eeeeeeeffff#f%f&f{ffffffffggggggmgwg}gggggghhhh!h"hhhhhhhhiiii$i'i(iiiiiiiij j jjj j!jxjjjjjjj kkk&k+k.k/kkkkkkkk-m.mNmcmtmmmmmmn&nOnRnSnandnnnnnnnnno4oGoHooooooooooopTpUpVp|@,\{h >| @UnknownVincent CriscioneJosef MittlemannvywuJosef Mittlemann!Josef Mittlemann20041231T12252507Josef MittlemannCNjm Gz Times New Roman5Symbol3& z ArialK@Palatino LinotypeI& ??Arial Unicode MS5& zaTahoma;" HelveticaS PalatinoBook Antiqua?5 z Courier New;Wingdings"1h%)˄`:`:!4dIqIq2QHX?!Citibank Case Study (group)vywuJosef MittlemannD