{"id":29432,"date":"2024-10-23T10:56:17","date_gmt":"2024-10-23T02:56:17","guid":{"rendered":"https:\/\/incit.org\/?p=29432"},"modified":"2025-06-19T18:23:05","modified_gmt":"2025-06-19T10:23:05","slug":"why-manufacturers-must-champion-environmental-justice-a-call-to-arms","status":"publish","type":"post","link":"https:\/\/incit.org\/hi\/thought-leadership\/why-manufacturers-must-champion-environmental-justice-a-call-to-arms\/","title":{"rendered":"\u0928\u093f\u0930\u094d\u092e\u093e\u0924\u093e\u0913\u0902 \u0915\u094b \u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923 \u0928\u094d\u092f\u093e\u092f \u0915\u093e \u0938\u092e\u0930\u094d\u0925\u0928 \u0915\u094d\u092f\u094b\u0902 \u0915\u0930\u0928\u093e \u091a\u093e\u0939\u093f\u090f: \u0939\u0925\u093f\u092f\u093e\u0930 \u0909\u0920\u093e\u0928\u0947 \u0915\u093e \u0906\u0939\u094d\u0935\u093e\u0928"},"content":{"rendered":"<p>\u0906\u091c \u0915\u0940 \u0924\u0947\u091c\u0940 \u0938\u0947 \u0906\u0917\u0947 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\u0915\u0947 \u0932\u093f\u090f \u0915\u094b\u0908 \u091c\u0917\u0939 \u0928\u0939\u0940\u0902 \u0939\u0948\u0964<\/p>\n<p>&nbsp;<\/p>\n<h2>\u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923\u0940\u092f \u0928\u094d\u092f\u093e\u092f \u092a\u0930 \u0928\u090f \u0938\u093f\u0930\u0947 \u0938\u0947 \u0927\u094d\u092f\u093e\u0928 \u0915\u0947\u0902\u0926\u094d\u0930\u093f\u0924 \u0915\u0930\u0928\u093e \u0924\u0925\u093e \u092f\u0939 \u0928\u093f\u0930\u094d\u092e\u093e\u0924\u093e\u0913\u0902 \u0915\u094b \u0915\u0948\u0938\u0947 \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0915\u0930 \u0930\u0939\u093e \u0939\u0948<\/h2>\n<p>\u0905\u092a\u094d\u0930\u0948\u0932 2023 \u092e\u0947\u0902, \u092c\u093f\u0921\u0947\u0928 \u092a\u094d\u0930\u0936\u093e\u0938\u0928 \u0928\u0947 \u0939\u0938\u094d\u0924\u093e\u0915\u094d\u0937\u0930 \u0915\u0930\u0915\u0947 \u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923 \u0928\u094d\u092f\u093e\u092f \u0915\u0947 \u092a\u094d\u0930\u0924\u093f \u0905\u092a\u0928\u0940 \u092a\u094d\u0930\u0924\u093f\u092c\u0926\u094d\u0927\u0924\u093e \u0915\u094b \u092e\u091c\u092c\u0942\u0924 \u0915\u093f\u092f\u093e <a title=\"\u0915\u093e\u0930\u094d\u092f\u0915\u093e\u0930\u0940 \u0906\u0926\u0947\u0936 14096\" href=\"https:\/\/www.foley.com\/insights\/publications\/2023\/11\/u-s-epa-new-environmental-justice-manufacturing\/\" target=\"_blank\" rel=\"noopener\">\u0915\u093e\u0930\u094d\u092f\u0915\u093e\u0930\u0940 \u0906\u0926\u0947\u0936 14096<\/a> \u091c\u093f\u0938\u0915\u093e \u0936\u0940\u0930\u094d\u0937\u0915 \u0939\u0948 \u201c\u0938\u092d\u0940 \u0915\u0947 \u0932\u093f\u090f \u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923 \u0928\u094d\u092f\u093e\u092f \u0915\u0947 \u092a\u094d\u0930\u0924\u093f \u0939\u092e\u093e\u0930\u0947 \u0930\u093e\u0937\u094d\u091f\u094d\u0930 \u0915\u0940 \u092a\u094d\u0930\u0924\u093f\u092c\u0926\u094d\u0927\u0924\u093e \u0915\u094b \u092a\u0941\u0928\u0930\u094d\u091c\u0940\u0935\u093f\u0924 \u0915\u0930\u0928\u093e\u0964\u201d \u092f\u0939 \u0906\u0926\u0947\u0936 \u0905\u092e\u0947\u0930\u093f\u0915\u093e \u092e\u0947\u0902 \u0938\u092d\u0940 \u0938\u0930\u0915\u093e\u0930\u0940 \u090f\u091c\u0947\u0902\u0938\u093f\u092f\u094b\u0902 \u092e\u0947\u0902 \u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923 \u0928\u094d\u092f\u093e\u092f \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u0935\u094d\u092f\u093e\u092a\u0915 \u0926\u0943\u0937\u094d\u091f\u093f\u0915\u094b\u0923 \u0915\u094b \u092c\u0922\u093c\u093e\u0935\u093e \u0926\u0947\u0924\u093e \u0939\u0948\u0964<\/p>\n<p><a title=\"\u091c\u0932\u0935\u093e\u092f\u0941 \u092a\u0930\u093f\u0935\u0930\u094d\u0924\u0928 \u0938\u0902\u092c\u0902\u0927\u0940 \u092e\u0941\u0915\u0926\u092e\u0947\" href=\"https:\/\/www.reuters.com\/sustainability\/climate-energy\/climate-court-cases-that-could-set-new-precedents-around-world-2024-05-21\/\" target=\"_blank\" rel=\"noopener\">\u091c\u0932\u0935\u093e\u092f\u0941 \u092a\u0930\u093f\u0935\u0930\u094d\u0924\u0928 \u0938\u0902\u092c\u0902\u0927\u0940 \u092e\u0941\u0915\u0926\u092e\u0947<\/a>\u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923 \u0928\u094d\u092f\u093e\u092f \u0915\u0947 \u0932\u093f\u090f \u0915\u0947\u0902\u0926\u094d\u0930\u0940\u092f, \u092c\u0922\u093c \u0930\u0939\u0947 \u0939\u0948\u0902: \u0930\u093e\u0938\u093e\u092f\u0928\u093f\u0915 \u0928\u093f\u0930\u094d\u092e\u093e\u0924\u093e <a title=\"3M \u0928\u0947 $10.3 \u092c\u093f\u0932\u093f\u092f\u0928 \u0915\u093e \u0928\u093f\u092a\u091f\u093e\u0928 \u0915\u093f\u092f\u093e\" href=\"https:\/\/www.reuters.com\/legal\/3m-reaches-tentative-103-billion-deal-over-us-forever-chemicals-claims-2023-06-22\/#:~:text=June%2022%20(Reuters)%20%2D%203M,chemical%20company%20announced%20on%20Thursday.\" target=\"_blank\" rel=\"noopener\">3M \u0928\u0947 $10.3 \u092c\u093f\u0932\u093f\u092f\u0928 \u0915\u093e \u0928\u093f\u092a\u091f\u093e\u0928 \u0915\u093f\u092f\u093e<\/a> 2023 \u092e\u0947\u0902 \u091c\u0932 \u092a\u094d\u0930\u0926\u0942\u0937\u0923 \u0915\u0947 \u0926\u093e\u0935\u094b\u0902 \u0915\u094b \u0939\u0932 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u092e\u0941\u0915\u0926\u092e\u093e \u0926\u093e\u092f\u0930 \u0915\u093f\u092f\u093e \u091c\u093e\u090f\u0917\u093e, \u091c\u094b \u0905\u092a\u0928\u0940 \u0924\u0930\u0939 \u0915\u093e \u0938\u092c\u0938\u0947 \u092c\u0921\u093c\u093e \u0938\u092e\u091d\u094c\u0924\u093e \u0939\u094b\u0917\u093e\u0964 \u092f\u0939 \u092e\u0941\u0915\u0926\u092e\u093e \u092c\u093e\u0922\u093c \u0915\u0947 \u0926\u094d\u0935\u093e\u0930 \u0916\u094b\u0932 \u0938\u0915\u0924\u093e \u0939\u0948 \u0915\u094d\u092f\u094b\u0902\u0915\u093f \u091c\u0932\u0935\u093e\u092f\u0941 \u092a\u0930\u093f\u0935\u0930\u094d\u0924\u0928 \u0926\u0941\u0928\u093f\u092f\u093e \u092d\u0930 \u092e\u0947\u0902 \u0939\u093e\u0936\u093f\u090f \u092a\u0930 \u092a\u0921\u093c\u0947 \u0938\u092e\u0941\u0926\u093e\u092f\u094b\u0902 \u0915\u094b \u0906\u092c\u093e\u0926\u0940 \u0915\u0947 \u0905\u092a\u0947\u0915\u094d\u0937\u093e\u0915\u0943\u0924 \u0905\u0927\u093f\u0915 \u0935\u093f\u0936\u0947\u0937\u093e\u0927\u093f\u0915\u093e\u0930 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0935\u0930\u094d\u0917\u094b\u0902 \u0915\u0940 \u0924\u0941\u0932\u0928\u093e \u092e\u0947\u0902 \u0905\u0927\u093f\u0915 \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/p>\n<p>\u0909\u0926\u093e\u0939\u0930\u0923 \u0915\u0947 \u0932\u093f\u090f, \u091b\u094b\u091f\u0947 \u092a\u094d\u0930\u0936\u093e\u0902\u0924 \u0926\u094d\u0935\u0940\u092a \u0930\u093e\u0937\u094d\u091f\u094d\u0930 \u091c\u0940\u0935\u093e\u0936\u094d\u092e \u0908\u0902\u0927\u0928 \u0909\u0924\u094d\u0938\u0930\u094d\u091c\u0928 \u0915\u093e \u0915\u0947\u0935\u0932 5 \u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u0939\u0940 \u0909\u0924\u094d\u092a\u0928\u094d\u0928 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u091c\u094b \u0914\u0926\u094d\u092f\u094b\u0917\u093f\u0915 \u0926\u0947\u0936\u094b\u0902 \u0915\u0940 \u0924\u0941\u0932\u0928\u093e \u092e\u0947\u0902 \u092c\u0939\u0941\u0924 \u0915\u092e \u0939\u0948\u0964 \u0939\u093e\u0932\u093e\u0901\u0915\u093f, \u0909\u0928\u094d\u0939\u0947\u0902 \u091c\u0932\u0935\u093e\u092f\u0941 \u092a\u0930\u093f\u0935\u0930\u094d\u0924\u0928 \u0915\u0947 \u0917\u0902\u092d\u0940\u0930 \u0916\u0924\u0930\u094b\u0902 \u0915\u093e \u0938\u093e\u092e\u0928\u093e \u0915\u0930\u0928\u093e \u092a\u0921\u093c\u0924\u093e \u0939\u0948, \u0916\u093e\u0938\u0915\u0930 \u092c\u0922\u093c\u0924\u0947 \u0938\u092e\u0941\u0926\u094d\u0930\u0940 \u0938\u094d\u0924\u0930 \u0938\u0947 \u091c\u094b \u0909\u0928\u0915\u0947 \u0905\u0938\u094d\u0924\u093f\u0924\u094d\u0935 \u0915\u094b \u0916\u0924\u0930\u0947 \u092e\u0947\u0902 \u0921\u093e\u0932\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n<p>\u092c\u0922\u093c\u0924\u0940 \u091c\u093e\u0902\u091a, \u0905\u0928\u0941\u092a\u093e\u0932\u0928 \u0914\u0930 \u0915\u093e\u0928\u0942\u0928\u0940 \u0932\u0921\u093c\u093e\u0907\u092f\u094b\u0902 \u0915\u0947 \u0938\u093e\u0925, \u0928\u093f\u0930\u094d\u092e\u093e\u0924\u093e \u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923 \u0928\u094d\u092f\u093e\u092f \u0914\u0930 \u0909\u0928\u0915\u0947 \u0938\u0902\u091a\u093e\u0932\u0928 \u0938\u0947 \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0938\u092e\u0941\u0926\u093e\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u092a\u094d\u0930\u092d\u093e\u0935\u0940 \u0922\u0902\u0917 \u0938\u0947 \u092f\u094b\u091c\u0928\u093e \u0915\u0948\u0938\u0947 \u092c\u0928\u093e \u0938\u0915\u0924\u0947 \u0939\u0948\u0902? \u0935\u093f\u0928\u093f\u0930\u094d\u092e\u093e\u0923 \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u0915\u0947 \u0928\u0947\u0924\u093e \u0905\u092a\u0928\u0940 \u092f\u094b\u091c\u0928\u093e \u092e\u0947\u0902 \u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923 \u0928\u094d\u092f\u093e\u092f \u0915\u094b \u092a\u094d\u0930\u093e\u0925\u092e\u093f\u0915\u0924\u093e \u0926\u0947\u0924\u0947 \u0938\u092e\u092f \u0907\u0928 \u092a\u093e\u0901\u091a \u092c\u093e\u0924\u094b\u0902 \u092a\u0930 \u0935\u093f\u091a\u093e\u0930 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902:<\/p>\n<p>&nbsp;<\/p>\n<h3>1. \u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923 \u0928\u094d\u092f\u093e\u092f \u092f\u094b\u091c\u0928\u093e \u0935\u093f\u0915\u0938\u093f\u0924 \u0915\u0930\u0947\u0902<\/h3>\n<p>The <a title=\"EPA \u0905\u0928\u0941\u0936\u0902\u0938\u093e \u0915\u0930\u0924\u093e \u0939\u0948\" href=\"https:\/\/www.foley.com\/insights\/publications\/2023\/11\/u-s-epa-new-environmental-justice-manufacturing\/\" target=\"_blank\" rel=\"noopener\">EPA \u0905\u0928\u0941\u0936\u0902\u0938\u093e \u0915\u0930\u0924\u093e \u0939\u0948<\/a> \u0928\u093f\u092f\u092e\u093f\u0924 \u092e\u0942\u0932\u094d\u092f\u093e\u0902\u0915\u0928, \u0935\u093f\u0936\u0947\u0937 \u0930\u0942\u092a \u0938\u0947 \u091c\u092c \u0915\u093f\u0938\u0940 \u0935\u093f\u0928\u093f\u0930\u094d\u092e\u093e\u0923 \u0938\u0941\u0935\u093f\u0927\u093e \u0915\u094b \u0935\u093f\u0938\u094d\u0924\u093e\u0930 \u092f\u093e \u0938\u094d\u0925\u093e\u0928\u093e\u0902\u0924\u0930\u093f\u0924 \u0915\u0930\u0928\u0947 \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0939\u094b\u0924\u0940 \u0939\u0948\u0964 \u0928\u0947\u0924\u093e \u090f\u0915 \u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923 \u0928\u094d\u092f\u093e\u092f \u092f\u094b\u091c\u0928\u093e \u092c\u0928\u093e \u0938\u0915\u0924\u0947 \u0939\u0948\u0902 \u091c\u094b \u091a\u093f\u0902\u0924\u093e\u0913\u0902 \u0915\u094b \u0936\u0941\u0930\u0942 \u092e\u0947\u0902 \u0939\u0940 \u0938\u0902\u092c\u094b\u0927\u093f\u0924 \u0915\u0930\u0924\u0940 \u0939\u0948\u0964 \u0927\u094d\u092f\u093e\u0928 \u0926\u0947\u0928\u0947 \u092f\u094b\u0917\u094d\u092f \u092a\u0939\u0932\u0941\u0913\u0902 \u092e\u0947\u0902 \u0938\u093e\u092e\u0941\u0926\u093e\u092f\u093f\u0915 \u091c\u0941\u0921\u093c\u093e\u0935 \u092a\u094d\u0930\u092f\u093e\u0938\u094b\u0902 \u0915\u093e \u0928\u0947\u0924\u0943\u0924\u094d\u0935 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u092c\u091c\u091f \u0914\u0930 \u0938\u094d\u0925\u093e\u0928\u0940\u092f \u0938\u092e\u0941\u0926\u093e\u092f\u094b\u0902 \u0938\u0947 \u0932\u094b\u0917\u094b\u0902 \u0915\u094b \u0930\u094b\u091c\u0917\u093e\u0930 \u0926\u0947\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u092d\u0930\u094d\u0924\u0940 \u092a\u094d\u0930\u0925\u093e\u0913\u0902 \u0915\u094b \u0938\u0902\u0936\u094b\u0927\u093f\u0924 \u0915\u0930\u0928\u093e \u0936\u093e\u092e\u093f\u0932 \u0939\u094b \u0938\u0915\u0924\u093e \u0939\u0948\u0964<\/p>\n<p>&nbsp;<\/p>\n<h3>2. \u0915\u0949\u0930\u094d\u092a\u094b\u0930\u0947\u091f \u0938\u0902\u0938\u094d\u0915\u0943\u0924\u093f \u092e\u0947\u0902 \u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923 \u0928\u094d\u092f\u093e\u092f \u0915\u094b \u0905\u092a\u0928\u093e\u090f\u0902<\/h3>\n<p>\u0907\u0938\u0915\u0940 \u0936\u0941\u0930\u0941\u0906\u0924 \u0938\u092c\u0938\u0947 \u090a\u092a\u0930 \u0938\u0947 \u0939\u094b\u0924\u0940 \u0939\u0948\u0964 \u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923 \u0928\u094d\u092f\u093e\u092f \u0915\u094b \u0938\u0939\u0940 \u092e\u093e\u092f\u0928\u0947 \u092e\u0947\u0902 \u0905\u092a\u0928\u093e\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f, \u0915\u0902\u092a\u0928\u093f\u092f\u094b\u0902 \u0915\u094b \u0907\u0938 \u092a\u094d\u0930\u0924\u093f\u092c\u0926\u094d\u0927\u0924\u093e \u0915\u094b \u0905\u092a\u0928\u0940 \u0915\u0949\u0930\u094d\u092a\u094b\u0930\u0947\u091f \u0938\u0902\u0938\u094d\u0915\u0943\u0924\u093f \u0915\u0947 \u0924\u093e\u0928\u0947-\u092c\u093e\u0928\u0947 \u092e\u0947\u0902 \u0936\u093e\u092e\u093f\u0932 \u0915\u0930\u0928\u093e \u091a\u093e\u0939\u093f\u090f, \u092f\u0939 \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0924\u0947 \u0939\u0941\u090f \u0915\u093f \u092f\u0939 \u092c\u094b\u0930\u094d\u0921\u0930\u0942\u092e \u0938\u0947 \u0932\u0947\u0915\u0930 \u0936\u0949\u092a \u092b\u094d\u0932\u094b\u0930 \u0924\u0915 \u0939\u0930 \u0938\u094d\u0924\u0930 \u092a\u0930 \u0928\u093f\u0930\u094d\u0923\u092f\u094b\u0902 \u0914\u0930 \u0915\u093e\u0930\u094d\u092f\u094b\u0902 \u0915\u094b \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0915\u0930\u0947\u0964<\/p>\n<p>&nbsp;<\/p>\n<h3>3. \u0938\u094d\u0915\u094d\u0930\u0940\u0928\u093f\u0902\u0917 \u091f\u0942\u0932 \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u0930\u0947\u0902<\/h3>\n<p>\u091c\u0932\u0935\u093e\u092f\u0941 \u0914\u0930 \u0906\u0930\u094d\u0925\u093f\u0915 \u0928\u094d\u092f\u093e\u092f \u0938\u094d\u0915\u094d\u0930\u0940\u0928\u093f\u0902\u0917 \u091f\u0942\u0932 (CEJST) \u091c\u0948\u0938\u0947 \u0909\u092a\u0932\u092c\u094d\u0927 \u0938\u094d\u0915\u094d\u0930\u0940\u0928\u093f\u0902\u0917 \u091f\u0942\u0932 \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u0930\u0947\u0902\u0964 CEJST, EPA \u0926\u094d\u0935\u093e\u0930\u093e \u0935\u093f\u0915\u0938\u093f\u0924 \u090f\u0915 \u092d\u0942-\u0938\u094d\u0925\u093e\u0928\u093f\u0915 \u092e\u093e\u0928\u091a\u093f\u0924\u094d\u0930\u0923 \u091f\u0942\u0932 \u0939\u0948 \u091c\u094b \u091c\u094b\u0916\u093f\u092e\u0917\u094d\u0930\u0938\u094d\u0924 \u0938\u092e\u0941\u0926\u093e\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0916\u0924\u0930\u094b\u0902 \u0915\u094b \u0909\u091c\u093e\u0917\u0930 \u0915\u0930\u0924\u093e \u0939\u0948\u0964 \u092f\u0947 \u091f\u0942\u0932 \u0928\u090f \u0938\u0902\u092f\u0902\u0924\u094d\u0930 \u0915\u0940 \u0938\u094d\u0925\u093e\u092a\u0928\u093e \u0914\u0930 \u092e\u094c\u091c\u0942\u0926\u093e \u0938\u0941\u0935\u093f\u0927\u093e\u0913\u0902 \u092e\u0947\u0902 \u092c\u0926\u0932\u093e\u0935 \u0915\u0930\u0924\u0947 \u0938\u092e\u092f, \u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923 \u0928\u094d\u092f\u093e\u092f \u092f\u093e \u0928\u093e\u0917\u0930\u093f\u0915 \u0905\u0927\u093f\u0915\u093e\u0930\u094b\u0902 \u0938\u0947 \u091c\u0941\u0921\u093c\u0940 \u0938\u0902\u092d\u093e\u0935\u093f\u0924 \u091a\u093f\u0902\u0924\u093e\u0913\u0902 \u0915\u0940 \u092a\u0939\u091a\u093e\u0928 \u0915\u0930\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902, \u0915\u094d\u092f\u094b\u0902\u0915\u093f \u092f\u0947 \u0906\u0938\u092a\u093e\u0938 \u0915\u0947 \u0938\u092e\u0941\u0926\u093e\u092f\u094b\u0902 \u0915\u094b \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n<p>&nbsp;<\/p>\n<h3>4. \u0938\u092e\u0941\u0926\u093e\u092f \u0915\u0947 \u0938\u093e\u0925 \u091c\u0941\u0921\u093c\u0947\u0902<\/h3>\n<p>\u0928\u093f\u0930\u094d\u092e\u093e\u0924\u093e\u0913\u0902 \u0915\u094b \u0938\u0930\u0915\u093e\u0930\u0940 \u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923 \u0928\u094d\u092f\u093e\u092f \u0905\u092a\u0947\u0915\u094d\u0937\u093e\u0913\u0902 \u0915\u094b \u092a\u0942\u0930\u093e \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0938\u094d\u0925\u093e\u0928\u0940\u092f \u0938\u092e\u0941\u0926\u093e\u092f\u094b\u0902 \u0915\u0947 \u0938\u093e\u0925 \u0938\u0915\u094d\u0930\u093f\u092f \u0930\u0942\u092a \u0938\u0947 \u091c\u0941\u0921\u093c\u0928\u093e \u091a\u093e\u0939\u093f\u090f \u0914\u0930 \u0909\u0928 \u0928\u093f\u0930\u094d\u0923\u092f\u094b\u0902 \u092a\u0930 \u0907\u0928\u092a\u0941\u091f \u0907\u0915\u091f\u094d\u0920\u093e \u0915\u0930\u0928\u093e \u091a\u093e\u0939\u093f\u090f \u091c\u094b \u0909\u0928\u094d\u0939\u0947\u0902 \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964 \u0938\u093e\u092e\u0941\u0926\u093e\u092f\u093f\u0915 \u092a\u094d\u0930\u092d\u093e\u0935\u094b\u0902 \u0915\u094b \u0938\u092e\u091d\u0915\u0930, \u0930\u0923\u0928\u0940\u0924\u093f\u0915 \u0938\u093e\u091d\u0947\u0926\u093e\u0930\u0940 \u092c\u0928\u093e\u0915\u0930 \u0914\u0930 \u092a\u0939\u0932\u094b\u0902 \u092a\u0930 \u0938\u0939\u092f\u094b\u0917 \u0915\u0930\u0915\u0947, \u0915\u0902\u092a\u0928\u093f\u092f\u093e\u0901 \u0928\u093f\u0935\u093e\u0938\u093f\u092f\u094b\u0902 \u0915\u0947 \u0938\u093e\u0925 \u0905\u092a\u0928\u0947 \u0938\u0902\u092c\u0902\u0927\u094b\u0902 \u0915\u094b \u092c\u0947\u0939\u0924\u0930 \u092c\u0928\u093e \u0938\u0915\u0924\u0940 \u0939\u0948\u0902 \u0914\u0930 \u0915\u093f\u0938\u0940 \u092d\u0940 \u0938\u0902\u092d\u093e\u0935\u093f\u0924 \u0938\u092e\u0938\u094d\u092f\u093e \u0915\u094b \u0936\u0941\u0930\u0942 \u092e\u0947\u0902 \u0939\u0940 \u092a\u0915\u0921\u093c \u0938\u0915\u0924\u0940 \u0939\u0948\u0902\u0964<\/p>\n<p>&nbsp;<\/p>\n<h3>5. \u092a\u094d\u0930\u0917\u0924\u093f \u0915\u094b \u092e\u093e\u092a\u0947\u0902 \u0914\u0930 \u0930\u093f\u092a\u094b\u0930\u094d\u091f \u0915\u0930\u0947\u0902<\/h3>\n<p>\u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923 \u0928\u094d\u092f\u093e\u092f \u092a\u0939\u0932\u094b\u0902 \u092a\u0930 \u092a\u094d\u0930\u0917\u0924\u093f \u0915\u094b \u092e\u093e\u092a\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0938\u094d\u092a\u0937\u094d\u091f \u092e\u0940\u091f\u094d\u0930\u093f\u0915 \u0928\u093f\u0930\u094d\u0927\u093e\u0930\u093f\u0924 \u0915\u0930\u0928\u093e \u091c\u0935\u093e\u092c\u0926\u0947\u0939\u0940 \u0915\u0947 \u0932\u093f\u090f \u0906\u0935\u0936\u094d\u092f\u0915 \u0939\u0948\u0964 \u0915\u0902\u092a\u0928\u093f\u092f\u094b\u0902 \u0915\u094b \u0905\u092a\u0928\u0940 \u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923 \u0928\u094d\u092f\u093e\u092f \u092f\u094b\u091c\u0928\u093e \u0914\u0930 \u0938\u093e\u092e\u0941\u0926\u093e\u092f\u093f\u0915 \u0938\u0939\u092d\u093e\u0917\u093f\u0924\u093e \u092a\u094d\u0930\u092f\u093e\u0938\u094b\u0902 \u0915\u093e \u0928\u093f\u092f\u092e\u093f\u0924 \u0930\u0942\u092a \u0938\u0947 \u092e\u0942\u0932\u094d\u092f\u093e\u0902\u0915\u0928 \u0915\u0930\u0928\u093e \u091a\u093e\u0939\u093f\u090f, \u0938\u092b\u0932\u0924\u093e\u0913\u0902 \u0915\u094b \u092a\u094d\u0930\u0926\u0930\u094d\u0936\u093f\u0924 \u0915\u0930\u0928\u0947 \u0914\u0930 \u0938\u0941\u0927\u093e\u0930 \u0915\u0947 \u0915\u094d\u0937\u0947\u0924\u094d\u0930\u094b\u0902 \u0915\u0940 \u092a\u0939\u091a\u093e\u0928 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0921\u0947\u091f\u093e \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0915\u0930\u0928\u093e \u091a\u093e\u0939\u093f\u090f\u0964 \u0909\u0924\u094d\u0938\u0930\u094d\u091c\u0928 \u092e\u0947\u0902 \u0915\u092e\u0940 \u0914\u0930 \u0938\u094d\u0925\u093e\u0928\u0940\u092f \u092d\u0930\u094d\u0924\u0940 \u092a\u094d\u0930\u0925\u093e\u0913\u0902 \u091c\u0948\u0938\u0947 \u092a\u0930\u093f\u0923\u093e\u092e\u094b\u0902 \u0915\u094b \u0938\u093e\u0930\u094d\u0935\u091c\u0928\u093f\u0915 \u0930\u0942\u092a \u0938\u0947 \u0938\u093e\u091d\u093e \u0915\u0930\u0915\u0947 \u0928\u093f\u0930\u094d\u092e\u093e\u0924\u093e \u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923 \u0928\u094d\u092f\u093e\u092f \u0915\u0947 \u092a\u094d\u0930\u0924\u093f \u0905\u092a\u0928\u0940 \u092a\u094d\u0930\u0924\u093f\u092c\u0926\u094d\u0927\u0924\u093e \u092a\u094d\u0930\u0926\u0930\u094d\u0936\u093f\u0924 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n<p>&nbsp;<\/p>\n<h2>\u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923 \u0928\u094d\u092f\u093e\u092f \u0915\u0947 \u092e\u093e\u092e\u0932\u0947 \u092e\u0947\u0902 \u0928\u093f\u0937\u094d\u0915\u094d\u0930\u093f\u092f\u0924\u093e \u092e\u0939\u0902\u0917\u0940 \u092a\u0921\u093c\u0924\u0940 \u0939\u0948<\/h2>\n<p>\u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923\u0940\u092f \u0928\u094d\u092f\u093e\u092f \u0915\u0947 \u092e\u0939\u0924\u094d\u0935 \u0915\u0940 \u0905\u0928\u0926\u0947\u0916\u0940 \u0915\u0930\u0928\u0947 \u0938\u0947 \u0938\u093e\u092e\u0941\u0926\u093e\u092f\u093f\u0915 \u0938\u0902\u092c\u0902\u0927\u094b\u0902 \u0914\u0930 \u0906\u092a\u0915\u0940 \u0915\u0902\u092a\u0928\u0940 \u0915\u0940 \u092a\u094d\u0930\u0924\u093f\u0937\u094d\u0920\u093e \u0915\u094b \u0928\u0941\u0915\u0938\u093e\u0928 \u092a\u0939\u0941\u0902\u091a\u0947\u0917\u093e \u0924\u0925\u093e \u0907\u0938\u0938\u0947 \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u0935\u093f\u0924\u094d\u0924\u0940\u092f \u092a\u0930\u093f\u0923\u093e\u092e \u092d\u0940 \u0939\u094b \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/p>\n<p><a title=\"\u092c\u0948\u0902\u0915 \u0911\u092b \u0905\u092e\u0947\u0930\u093f\u0915\u093e \u0938\u093f\u0915\u094d\u092f\u094b\u0930\u093f\u091f\u0940\u091c (BofA) \u0926\u094d\u0935\u093e\u0930\u093e \u0936\u094b\u0927\" href=\"https:\/\/www.reprisk.com\/media\/pages\/static\/2906052835-1727956252\/esg-viewpoint-bofa-securities.pdf\" target=\"_blank\" rel=\"noopener\">\u092c\u0948\u0902\u0915 \u0911\u092b \u0905\u092e\u0947\u0930\u093f\u0915\u093e \u0938\u093f\u0915\u094d\u092f\u094b\u0930\u093f\u091f\u0940\u091c (BofA) \u0926\u094d\u0935\u093e\u0930\u093e \u0936\u094b\u0927<\/a> \u0938\u0902\u0915\u0947\u0924 \u092e\u093f\u0932\u0924\u093e \u0939\u0948 \u0915\u093f \u0938\u094d\u091f\u0948\u0902\u0921\u0930\u094d\u0921 \u090f\u0902\u0921 \u092a\u0941\u0905\u0930\u094d\u0938 500 \u0915\u0902\u092a\u0928\u093f\u092f\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f $600bn \u0938\u0947 \u0905\u0927\u093f\u0915 \u092e\u093e\u0930\u094d\u0915\u0947\u091f \u0915\u0948\u092a &quot;\u0908\u090f\u0938\u091c\u0940 \u0935\u093f\u0935\u093e\u0926\u094b\u0902&quot; \u0915\u0947 \u0915\u093e\u0930\u0923 \u0916\u094b \u0917\u092f\u093e, \u091c\u0948\u0938\u0947 \u0915\u093f 2013 \u0914\u0930 2020 \u0915\u0947 \u092c\u0940\u091a \u0936\u093e\u0938\u0928 \u0915\u0940 \u0935\u093f\u092b\u0932\u0924\u093e\u0913\u0902 \u0915\u0947 \u0906\u0938\u092a\u093e\u0938 \u0915\u0940 \u0935\u093f\u092b\u0932\u0924\u093e\u090f\u0902\u0964 \u092c\u094b\u092b\u093e \u092e\u0947\u0902 \u092a\u094d\u0930\u092c\u0902\u0927 \u0928\u093f\u0926\u0947\u0936\u0915 \u0914\u0930 \u0908\u090f\u0938\u091c\u0940 \u0905\u0928\u0941\u0938\u0902\u0927\u093e\u0928 \u092a\u094d\u0930\u092e\u0941\u0916 \u0938\u0935\u093f\u0924\u093e \u0938\u0941\u092c\u094d\u0930\u092e\u0923\u094d\u092f\u092e \u0928\u0947 \u090f\u0915 \u0930\u093f\u092a\u094b\u0930\u094d\u091f \u092e\u0947\u0902 \u0915\u0939\u093e\u0964 <a title=\"\u0938\u093e\u0915\u094d\u0937\u093e\u0924\u094d\u0915\u093e\u0930\" href=\"https:\/\/www.reprisk.com\/media\/pages\/static\/2906052835-1727956252\/esg-viewpoint-bofa-securities.pdf\" target=\"_blank\" rel=\"noopener\">\u0938\u093e\u0915\u094d\u0937\u093e\u0924\u094d\u0915\u093e\u0930<\/a>: \u201c\u0908\u090f\u0938\u091c\u0940 \u0935\u093f\u0935\u093e\u0926 \u0935\u093f\u0936\u0947\u0937 \u0930\u0942\u092a \u0938\u0947 \u092e\u0939\u0902\u0917\u0947 \u0914\u0930 \u0932\u0902\u092c\u0947 \u0938\u092e\u092f \u0924\u0915 \u091a\u0932\u0928\u0947 \u0935\u093e\u0932\u0947 \u0939\u094b \u0938\u0915\u0924\u0947 \u0939\u0948\u0902, \u0914\u0930 \u092f\u0939\u093e\u0902 \u0924\u0915 \u0915\u093f \u0909\u091a\u094d\u091a \u092a\u094d\u0930\u0924\u093f\u0937\u094d\u0920\u093f\u0924 \u0915\u0902\u092a\u0928\u093f\u092f\u093e\u0902 \u092d\u0940 \u0907\u0938 \u0924\u0930\u0939 \u0915\u0947 \u092a\u094d\u0930\u0924\u093f\u0937\u094d\u0920\u093e \u0938\u0902\u092c\u0902\u0927\u0940 \u091c\u094b\u0916\u093f\u092e \u0915\u0947 \u0905\u0927\u0940\u0928 \u0939\u0948\u0902\u0964\u201d<\/p>\n<p>\u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923\u0940\u092f \u0928\u094d\u092f\u093e\u092f \u0915\u094b \u0938\u092b\u0932\u0924\u093e\u092a\u0942\u0930\u094d\u0935\u0915 \u092c\u0922\u093c\u093e\u0935\u093e \u0926\u0947\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f, \u0928\u093f\u0930\u094d\u092e\u093e\u0924\u093e \u0907\u0938\u0915\u093e \u0932\u093e\u092d \u0909\u0920\u093e \u0938\u0915\u0924\u0947 \u0939\u0948\u0902 <a title=\"\u0909\u092a\u092d\u094b\u0915\u094d\u0924\u093e \u0938\u094d\u0925\u093f\u0930\u0924\u093e \u0909\u0926\u094d\u092f\u094b\u0917 \u0924\u0924\u094d\u092a\u0930\u0924\u093e \u0938\u0942\u091a\u0915\u093e\u0902\u0915 (COSIRI)\" href=\"https:\/\/incit.org\/hi\/what-we-do\/cosiri\/\" target=\"_blank\" rel=\"noopener\">\u0909\u092a\u092d\u094b\u0915\u094d\u0924\u093e \u0938\u094d\u0925\u093f\u0930\u0924\u093e \u0909\u0926\u094d\u092f\u094b\u0917 \u0924\u0924\u094d\u092a\u0930\u0924\u093e \u0938\u0942\u091a\u0915\u093e\u0902\u0915 (COSIRI)<\/a> \u090f\u0915 \u092e\u0942\u0932\u094d\u092f\u0935\u093e\u0928 \u0938\u0902\u0938\u093e\u0927\u0928 \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902\u0964 COSIRI \u090f\u0915 ESG \u0922\u093e\u0901\u091a\u093e \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u093e \u0939\u0948 \u091c\u094b \u0915\u0902\u092a\u0928\u093f\u092f\u094b\u0902 \u0915\u094b \u0909\u0928\u0915\u0940 \u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923\u0940\u092f, \u0938\u093e\u092e\u093e\u091c\u093f\u0915 \u0914\u0930 \u092a\u094d\u0930\u0936\u093e\u0938\u0928\u093f\u0915 \u092a\u0930\u093f\u092a\u0915\u094d\u0935\u0924\u093e \u0915\u093e \u0906\u0915\u0932\u0928 \u0915\u0930\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u0915\u0930\u0924\u093e \u0939\u0948, \u0914\u0930 \u091f\u093f\u0915\u093e\u090a \u092a\u094d\u0930\u0925\u093e\u0913\u0902 \u0915\u094b \u090f\u0915\u0940\u0915\u0943\u0924 \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0906\u0935\u0936\u094d\u092f\u0915 \u0909\u092a\u0915\u0930\u0923 \u0914\u0930 \u0905\u0902\u0924\u0930\u094d\u0926\u0943\u0937\u094d\u091f\u093f \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/p>\n<p>\u0905\u092a\u0928\u0947 ESG \u092a\u094d\u0930\u0926\u0930\u094d\u0936\u0928 \u0915\u093e \u092e\u0942\u0932\u094d\u092f\u093e\u0902\u0915\u0928 \u0915\u0930\u0915\u0947, \u0928\u093f\u0930\u094d\u092e\u093e\u0924\u093e \u0938\u0941\u0927\u093e\u0930 \u0915\u0947 \u0915\u094d\u0937\u0947\u0924\u094d\u0930\u094b\u0902 \u0915\u0940 \u092a\u0939\u091a\u093e\u0928 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902, \u092a\u093e\u0930\u0926\u0930\u094d\u0936\u093f\u0924\u093e \u092c\u0922\u093c\u093e \u0938\u0915\u0924\u0947 \u0939\u0948\u0902 \u0914\u0930 \u0935\u0948\u0936\u094d\u0935\u093f\u0915 \u0938\u094d\u0925\u093f\u0930\u0924\u093e \u092e\u093e\u0928\u0915\u094b\u0902 \u0915\u0947 \u0938\u093e\u0925 \u0924\u093e\u0932\u092e\u0947\u0932 \u092c\u093f\u0920\u093e \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964 \u092f\u0939 \u0938\u0915\u094d\u0930\u093f\u092f \u0926\u0943\u0937\u094d\u091f\u093f\u0915\u094b\u0923 \u0909\u0928\u094d\u0939\u0947\u0902 \u091f\u093f\u0915\u093e\u090a \u0935\u093f\u0928\u093f\u0930\u094d\u092e\u093e\u0923 \u092e\u0947\u0902 \u0905\u0917\u094d\u0930\u0923\u0940 \u092c\u0928\u093e\u0924\u093e \u0939\u0948 \u0914\u0930 \u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923 \u0928\u094d\u092f\u093e\u092f \u0915\u0940 \u0935\u0915\u093e\u0932\u0924 \u0915\u0930\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u0938\u0947 \u0905\u0902\u0924\u0924\u0903 \u0938\u092e\u0941\u0926\u093e\u092f\u094b\u0902 \u0915\u0947 \u0938\u093e\u0925 \u092e\u091c\u092c\u0942\u0924 \u0938\u0902\u092c\u0902\u0927 \u092c\u0928\u093e\u0928\u0947 \u0914\u0930 \u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923\u0940\u092f \u092a\u094d\u0930\u092d\u093e\u0935\u094b\u0902 \u0938\u0947 \u091c\u0941\u0921\u093c\u0947 \u0938\u0902\u092d\u093e\u0935\u093f\u0924 \u091c\u094b\u0916\u093f\u092e\u094b\u0902 \u0915\u094b \u0915\u092e \u0915\u0930\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u092e\u093f\u0932\u0924\u0940 \u0939\u0948\u0964<\/p>\n<p>&nbsp;<\/p>\n<h2>\u0935\u093f\u0928\u093f\u0930\u094d\u092e\u093e\u0923 \u092e\u0947\u0902 \u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923\u0940\u092f \u0928\u094d\u092f\u093e\u092f \u0915\u0947 \u092c\u093e\u0930\u0947 \u092e\u0947\u0902 \u0905\u0915\u094d\u0938\u0930 \u092a\u0942\u091b\u0947 \u091c\u093e\u0928\u0947 \u0935\u093e\u0932\u0947 \u092a\u094d\u0930\u0936\u094d\u0928<\/h2>\n<style>#sp-ea-37989 .spcollapsing { height: 0; overflow: hidden; transition-property: height;transition-duration: 300ms;}#sp-ea-37989.sp-easy-accordion>.sp-ea-single {margin-bottom: 10px; border: 1px solid #e2e2e2; }#sp-ea-37989.sp-easy-accordion>.sp-ea-single>.ea-header a {color: #444;}#sp-ea-37989.sp-easy-accordion>.sp-ea-single>.sp-collapse>.ea-body {background: #fff; color: #444;}#sp-ea-37989.sp-easy-accordion>.sp-ea-single {background: #eee;}#sp-ea-37989.sp-easy-accordion>.sp-ea-single>.ea-header a .ea-expand-icon { float: left; color: #444;font-size: 16px;}<\/style><div id=\"sp_easy_accordion-1750326709\"><div id=\"sp-ea-37989\" class=\"sp-ea-one sp-easy-accordion\" data-ea-active=\"ea-click\" data-ea-mode=\"vertical\" data-preloader=\"\" data-scroll-active-item=\"\" data-offset-to-scroll=\"0\"><div class=\"ea-card ea-expand sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-379890\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse379890\" aria-controls=\"collapse379890\" href=\"#\" aria-expanded=\"true\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-minus\"><\/i> \u0935\u093f\u0928\u093f\u0930\u094d\u092e\u093e\u0923 \u092e\u0947\u0902 \u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923\u0940\u092f \u0928\u094d\u092f\u093e\u092f \u0915\u094d\u092f\u093e \u0939\u0948?<\/a><\/h3><div class=\"sp-collapse spcollapse collapsed show\" id=\"collapse379890\" data-parent=\"#sp-ea-37989\" role=\"region\" aria-labelledby=\"ea-header-379890\"> <div class=\"ea-body\"><p><span style=\"font-weight: 400\">\u0935\u093f\u0928\u093f\u0930\u094d\u092e\u093e\u0923 \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u092e\u0947\u0902 \u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923\u0940\u092f \u0928\u094d\u092f\u093e\u092f \u0915\u093e \u0905\u0930\u094d\u0925 \u0939\u0948 \u092f\u0939 \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0928\u093e \u0915\u093f \u0938\u092d\u0940 \u0938\u092e\u0941\u0926\u093e\u092f, \u0935\u093f\u0936\u0947\u0937 \u0930\u0942\u092a \u0938\u0947 \u0915\u092e\u091c\u094b\u0930 \u0914\u0930 \u0928\u093f\u092e\u094d\u0928-\u0906\u092f \u0935\u0930\u094d\u0917, \u0914\u0926\u094d\u092f\u094b\u0917\u093f\u0915 \u0917\u0924\u093f\u0935\u093f\u0927\u093f\u092f\u094b\u0902 \u0915\u0947 \u0939\u093e\u0928\u093f\u0915\u093e\u0930\u0915 \u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923\u0940\u092f \u092a\u094d\u0930\u092d\u093e\u0935\u094b\u0902 \u0938\u0947 \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u0930\u0939\u0947\u0902\u0964 \u092f\u0939 \u092a\u094d\u0930\u0926\u0942\u0937\u0923 \u091c\u094b\u0916\u093f\u092e \u0914\u0930 \u0938\u0902\u0938\u093e\u0927\u0928\u094b\u0902 \u0924\u0915 \u092a\u0939\u0941\u0901\u091a \u092e\u0947\u0902 \u0928\u093f\u0937\u094d\u092a\u0915\u094d\u0937\u0924\u093e \u0915\u094b \u092c\u0922\u093c\u093e\u0935\u093e \u0926\u0947\u0924\u093e \u0939\u0948\u0964<\/span><\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-379891\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse379891\" aria-controls=\"collapse379891\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> \u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923 \u0928\u094d\u092f\u093e\u092f \u0928\u093f\u0930\u094d\u092e\u093e\u0924\u093e\u0913\u0902 \u0915\u0947 \u0932\u093f\u090f \u0915\u094d\u092f\u094b\u0902 \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u0939\u0948?<\/a><\/h3><div class=\"sp-collapse spcollapse\" id=\"collapse379891\" data-parent=\"#sp-ea-37989\" role=\"region\" aria-labelledby=\"ea-header-379891\"> <div class=\"ea-body\"><p><span style=\"font-weight: 400\">\u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923\u0940\u092f \u0928\u094d\u092f\u093e\u092f \u0928\u093f\u0930\u094d\u092e\u093e\u0924\u093e\u0913\u0902 \u0915\u0947 \u0932\u093f\u090f \u092e\u0939\u0924\u094d\u0935\u092a\u0942\u0930\u094d\u0923 \u0939\u0948 \u0915\u094d\u092f\u094b\u0902\u0915\u093f \u092f\u0939 \u0935\u0902\u091a\u093f\u0924 \u0938\u092e\u0941\u0926\u093e\u092f\u094b\u0902 \u0915\u094b \u0928\u0941\u0915\u0938\u093e\u0928 \u0938\u0947 \u092c\u091a\u093e\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u0915\u0930\u0924\u093e \u0939\u0948, \u091c\u0928\u0924\u093e \u0915\u093e \u0935\u093f\u0936\u094d\u0935\u093e\u0938 \u092c\u0922\u093c\u093e\u0924\u093e \u0939\u0948, \u0908\u090f\u0938\u091c\u0940 \u0932\u0915\u094d\u0937\u094d\u092f\u094b\u0902 \u0915\u094b \u092a\u0942\u0930\u093e \u0915\u0930\u0924\u093e \u0939\u0948, \u0914\u0930 \u0928\u0948\u0924\u093f\u0915, \u091f\u093f\u0915\u093e\u090a \u0914\u0926\u094d\u092f\u094b\u0917\u093f\u0915 \u0938\u0902\u091a\u093e\u0932\u0928 \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/span><\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-379892\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse379892\" aria-controls=\"collapse379892\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> \u0928\u093f\u0930\u094d\u092e\u093e\u0924\u093e \u0938\u092e\u0941\u0926\u093e\u092f \u092e\u0947\u0902 \u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923\u0940\u092f \u0928\u094d\u092f\u093e\u092f \u0915\u094b \u0915\u0948\u0938\u0947 \u092c\u0922\u093c\u093e\u0935\u093e \u0926\u0947 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902?<\/a><\/h3><div class=\"sp-collapse spcollapse\" id=\"collapse379892\" data-parent=\"#sp-ea-37989\" role=\"region\" aria-labelledby=\"ea-header-379892\"> <div class=\"ea-body\"><p><span style=\"font-weight: 400\">\u0928\u093f\u0930\u094d\u092e\u093e\u0924\u093e \u0909\u0924\u094d\u0938\u0930\u094d\u091c\u0928 \u0915\u094b \u0915\u092e \u0915\u0930\u0915\u0947, \u0938\u094d\u0925\u093e\u0928\u0940\u092f \u0938\u092e\u0941\u0926\u093e\u092f\u094b\u0902 \u0915\u0947 \u0938\u093e\u0925 \u091c\u0941\u0921\u093c\u0915\u0930, \u0938\u094d\u0935\u091a\u094d\u091b \u092a\u094d\u0930\u094c\u0926\u094d\u092f\u094b\u0917\u093f\u0915\u093f\u092f\u094b\u0902 \u092e\u0947\u0902 \u0928\u093f\u0935\u0947\u0936 \u0915\u0930\u0915\u0947, \u0924\u0925\u093e \u0939\u0930\u093f\u0924 \u0930\u094b\u091c\u0917\u093e\u0930 \u0914\u0930 \u0938\u0941\u0930\u0915\u094d\u0937\u093f\u0924 \u091c\u0940\u0935\u0928 \u0938\u094d\u0925\u093f\u0924\u093f\u092f\u094b\u0902 \u091c\u0948\u0938\u0947 \u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923\u0940\u092f \u0932\u093e\u092d\u094b\u0902 \u0924\u0915 \u0909\u091a\u093f\u0924 \u092a\u0939\u0941\u0902\u091a \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0915\u0947 \u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923\u0940\u092f \u0928\u094d\u092f\u093e\u092f \u0915\u094b \u092c\u0922\u093c\u093e\u0935\u093e \u0926\u0947 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964<\/span><\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-379893\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse379893\" aria-controls=\"collapse379893\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> \u0914\u0926\u094d\u092f\u094b\u0917\u093f\u0915 \u0915\u094d\u0937\u0947\u0924\u094d\u0930\u094b\u0902 \u092e\u0947\u0902 \u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923\u0940\u092f \u0905\u0928\u094d\u092f\u093e\u092f \u0915\u0947 \u0909\u0926\u093e\u0939\u0930\u0923 \u0915\u094d\u092f\u093e \u0939\u0948\u0902?<\/a><\/h3><div class=\"sp-collapse spcollapse\" id=\"collapse379893\" data-parent=\"#sp-ea-37989\" role=\"region\" aria-labelledby=\"ea-header-379893\"> <div class=\"ea-body\"><p><span style=\"font-weight: 400\">\u0909\u0926\u093e\u0939\u0930\u0923\u094b\u0902 \u092e\u0947\u0902 \u0928\u093f\u092e\u094d\u0928 \u0906\u092f \u0935\u093e\u0932\u0947 \u0907\u0932\u093e\u0915\u094b\u0902 \u0915\u0947 \u0928\u093f\u0915\u091f \u0938\u094d\u0925\u093f\u0924 \u0915\u093e\u0930\u0916\u093e\u0928\u0947 \u0936\u093e\u092e\u093f\u0932 \u0939\u0948\u0902, \u091c\u094b \u0935\u093e\u092f\u0941 \u0914\u0930 \u091c\u0932 \u092a\u094d\u0930\u0926\u0942\u0937\u0923 \u0915\u093e \u0915\u093e\u0930\u0923 \u092c\u0928\u0924\u0947 \u0939\u0948\u0902, \u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923 \u0928\u093f\u092f\u092e\u094b\u0902 \u0915\u093e \u0905\u0938\u092e\u093e\u0928 \u092a\u094d\u0930\u0935\u0930\u094d\u0924\u0928 \u0939\u094b\u0924\u093e \u0939\u0948, \u0924\u0925\u093e \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0915\u094d\u0937\u0947\u0924\u094d\u0930\u094b\u0902 \u092e\u0947\u0902 \u0938\u094d\u0935\u091a\u094d\u091b \u0938\u0902\u0938\u093e\u0927\u0928\u094b\u0902 \u092f\u093e \u0938\u093e\u0930\u094d\u0935\u091c\u0928\u093f\u0915 \u092a\u0930\u093e\u092e\u0930\u094d\u0936 \u0924\u0915 \u092a\u0939\u0941\u0902\u091a \u0915\u093e \u0905\u092d\u093e\u0935 \u0939\u094b\u0924\u093e \u0939\u0948\u0964<\/span><\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-379894\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse379894\" aria-controls=\"collapse379894\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> \u0908\u090f\u0938\u091c\u0940 \u0930\u0923\u0928\u0940\u0924\u093f \u092e\u0947\u0902 \u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923\u0940\u092f \u0928\u094d\u092f\u093e\u092f \u0915\u0940 \u0915\u094d\u092f\u093e \u092d\u0942\u092e\u093f\u0915\u093e \u0939\u0948?<\/a><\/h3><div class=\"sp-collapse spcollapse\" id=\"collapse379894\" data-parent=\"#sp-ea-37989\" role=\"region\" aria-labelledby=\"ea-header-379894\"> <div class=\"ea-body\"><p><span style=\"font-weight: 400\">\u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923\u0940\u092f \u0928\u094d\u092f\u093e\u092f, \u0935\u093f\u0928\u093f\u0930\u094d\u092e\u093e\u0923 \u0915\u0947 \u0938\u093e\u092e\u093e\u091c\u093f\u0915 \u0914\u0930 \u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923\u0940\u092f \u092a\u094d\u0930\u092d\u093e\u0935\u094b\u0902 \u0915\u094b \u0938\u0902\u092c\u094b\u0927\u093f\u0924 \u0915\u0930\u0915\u0947 \u0908\u090f\u0938\u091c\u0940 \u0930\u0923\u0928\u0940\u0924\u093f \u0915\u093e \u0938\u092e\u0930\u094d\u0925\u0928 \u0915\u0930\u0924\u093e \u0939\u0948\u0964 \u092f\u0939 \u0915\u0902\u092a\u0928\u093f\u092f\u094b\u0902 \u0926\u094d\u0935\u093e\u0930\u093e \u0938\u092e\u0941\u0926\u093e\u092f\u094b\u0902 \u0915\u0947 \u0938\u093e\u0925 \u0935\u094d\u092f\u0935\u0939\u093e\u0930 \u0914\u0930 \u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923\u0940\u092f \u091c\u094b\u0916\u093f\u092e\u094b\u0902 \u0915\u0947 \u092a\u094d\u0930\u092c\u0902\u0927\u0928 \u092e\u0947\u0902 \u092a\u093e\u0930\u0926\u0930\u094d\u0936\u093f\u0924\u093e, \u091c\u0935\u093e\u092c\u0926\u0947\u0939\u0940 \u0914\u0930 \u0928\u093f\u0937\u094d\u092a\u0915\u094d\u0937\u0924\u093e \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/span><\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-379895\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse379895\" aria-controls=\"collapse379895\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> \u0915\u093e\u0930\u0916\u093e\u0928\u094b\u0902 \u0938\u0947 \u0939\u094b\u0928\u0947 \u0935\u093e\u0932\u093e \u092a\u094d\u0930\u0926\u0942\u0937\u0923 \u0928\u093f\u092e\u094d\u0928 \u0906\u092f \u0935\u093e\u0932\u0947 \u0938\u092e\u0941\u0926\u093e\u092f\u094b\u0902 \u0915\u094b \u0915\u0948\u0938\u0947 \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948?<\/a><\/h3><div class=\"sp-collapse spcollapse\" id=\"collapse379895\" data-parent=\"#sp-ea-37989\" role=\"region\" aria-labelledby=\"ea-header-379895\"> <div class=\"ea-body\"><p><span style=\"font-weight: 400\">\u0915\u093e\u0930\u0916\u093e\u0928\u094b\u0902 \u0938\u0947 \u0939\u094b\u0928\u0947 \u0935\u093e\u0932\u093e \u092a\u094d\u0930\u0926\u0942\u0937\u0923 \u092a\u094d\u0930\u093e\u092f\u0903 \u0928\u093f\u092e\u094d\u0928 \u0906\u092f \u0935\u0930\u094d\u0917 \u0915\u0947 \u0938\u092e\u0941\u0926\u093e\u092f\u094b\u0902 \u0915\u094b \u0905\u0927\u093f\u0915 \u0917\u0902\u092d\u0940\u0930 \u0930\u0942\u092a \u0938\u0947 \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948, \u091c\u093f\u0938\u0915\u0947 \u092a\u0930\u093f\u0923\u093e\u092e\u0938\u094d\u0935\u0930\u0942\u092a \u0936\u094d\u0935\u0938\u0928 \u0938\u0902\u092c\u0902\u0927\u0940 \u092c\u0940\u092e\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u0940 \u0926\u0930 \u092c\u0922\u093c \u091c\u093e\u0924\u0940 \u0939\u0948, \u091c\u0932 \u092a\u094d\u0930\u0926\u0942\u0937\u0923 \u0939\u094b\u0924\u093e \u0939\u0948, \u0938\u0902\u092a\u0924\u094d\u0924\u093f \u0915\u093e \u092e\u0942\u0932\u094d\u092f \u0915\u092e \u0939\u094b \u091c\u093e\u0924\u093e \u0939\u0948, \u0924\u0925\u093e \u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923 \u0938\u0902\u0930\u0915\u094d\u0937\u0923 \u0924\u0915 \u092a\u0939\u0941\u0902\u091a \u0938\u0940\u092e\u093f\u0924 \u0939\u094b \u091c\u093e\u0924\u0940 \u0939\u0948\u0964<\/span><\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-379896\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse379896\" aria-controls=\"collapse379896\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> \u0935\u093f\u0928\u093f\u0930\u094d\u092e\u093e\u0923 \u0915\u094d\u0937\u0947\u0924\u094d\u0930 \u092e\u0947\u0902 \u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923\u0940\u092f \u0928\u094d\u092f\u093e\u092f \u0915\u094b \u0915\u094c\u0928 \u0938\u0940 \u0928\u0940\u0924\u093f\u092f\u093e\u0902 \u0938\u092e\u0930\u094d\u0925\u0928 \u0926\u0947\u0924\u0940 \u0939\u0948\u0902?<\/a><\/h3><div class=\"sp-collapse spcollapse\" id=\"collapse379896\" data-parent=\"#sp-ea-37989\" role=\"region\" aria-labelledby=\"ea-header-379896\"> <div class=\"ea-body\"><p><span style=\"font-weight: 400\">\u0928\u0940\u0924\u093f\u092f\u094b\u0902 \u092e\u0947\u0902 \u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923\u0940\u092f \u092a\u094d\u0930\u092d\u093e\u0935 \u0906\u0915\u0932\u0928, \u0935\u093e\u092f\u0941 \u0914\u0930 \u091c\u0932 \u0917\u0941\u0923\u0935\u0924\u094d\u0924\u093e \u092e\u093e\u0928\u0915, \u0938\u092e\u0941\u0926\u093e\u092f \u0915\u094b \u091c\u093e\u0928\u0928\u0947 \u0915\u093e \u0905\u0927\u093f\u0915\u093e\u0930 \u0915\u093e\u0928\u0942\u0928, \u0924\u0925\u093e \u0930\u093e\u0937\u094d\u091f\u094d\u0930\u0940\u092f \u0908\u090f\u0938\u091c\u0940 \u0922\u093e\u0902\u091a\u0947 \u0915\u0947 \u092d\u0940\u0924\u0930 \u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923\u0940\u092f \u0907\u0915\u094d\u0935\u093f\u091f\u0940 \u0926\u093f\u0936\u093e\u0928\u093f\u0930\u094d\u0926\u0947\u0936 \u091c\u0948\u0938\u0947 \u0938\u0930\u0915\u093e\u0930\u0940 \u0935\u093f\u0928\u093f\u092f\u092e \u0936\u093e\u092e\u093f\u0932 \u0939\u0948\u0902\u0964<\/span><\/p><\/div><\/div><\/div><div class=\"ea-card sp-ea-single\"><h3 class=\"ea-header\"><a class=\"collapsed\" id=\"ea-header-379897\" role=\"button\" data-sptoggle=\"spcollapse\" data-sptarget=\"#collapse379897\" aria-controls=\"collapse379897\" href=\"#\" aria-expanded=\"false\" tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> \u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923 \u0928\u094d\u092f\u093e\u092f \u092a\u094d\u0930\u0925\u093e\u0913\u0902 \u0915\u094b \u0932\u093e\u0917\u0942 \u0915\u0930\u0928\u0947 \u092e\u0947\u0902 \u0928\u093f\u0930\u094d\u092e\u093e\u0924\u093e\u0913\u0902 \u0915\u094b \u0915\u093f\u0928 \u091a\u0941\u0928\u094c\u0924\u093f\u092f\u094b\u0902 \u0915\u093e \u0938\u093e\u092e\u0928\u093e \u0915\u0930\u0928\u093e \u092a\u0921\u093c\u0924\u093e \u0939\u0948?<\/a><\/h3><div class=\"sp-collapse spcollapse\" id=\"collapse379897\" data-parent=\"#sp-ea-37989\" role=\"region\" aria-labelledby=\"ea-header-379897\"> <div class=\"ea-body\"><p><span style=\"font-weight: 400\">\u091a\u0941\u0928\u094c\u0924\u093f\u092f\u094b\u0902 \u092e\u0947\u0902 \u0938\u094d\u092a\u0937\u094d\u091f \u0935\u093f\u0928\u093f\u092f\u092e\u0928\u094b\u0902 \u0915\u093e \u0905\u092d\u093e\u0935, \u092a\u094d\u0930\u092d\u093e\u0935\u093f\u0924 \u0938\u092e\u0941\u0926\u093e\u092f\u094b\u0902 \u092a\u0930 \u0938\u0940\u092e\u093f\u0924 \u0906\u0902\u0915\u0921\u093c\u0947, 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tabindex=\"0\"><i aria-hidden=\"true\" role=\"presentation\" class=\"ea-expand-icon eap-icon-ea-expand-plus\"><\/i> \u091f\u093f\u0915\u093e\u090a \u0935\u093f\u0928\u093f\u0930\u094d\u092e\u093e\u0923 \u092a\u0930\u094d\u092f\u093e\u0935\u0930\u0923\u0940\u092f \u0905\u0938\u092e\u093e\u0928\u0924\u093e \u0915\u094b \u0915\u0948\u0938\u0947 \u0915\u092e \u0915\u0930 \u0938\u0915\u0924\u093e \u0939\u0948?<\/a><\/h3><div class=\"sp-collapse spcollapse\" id=\"collapse379898\" data-parent=\"#sp-ea-37989\" role=\"region\" aria-labelledby=\"ea-header-379898\"> <div class=\"ea-body\"><p><span style=\"font-weight: 400\">\u091f\u093f\u0915\u093e\u090a \u0935\u093f\u0928\u093f\u0930\u094d\u092e\u093e\u0923, \u092a\u094d\u0930\u0926\u0942\u0937\u0923 \u0915\u094b \u0928\u094d\u092f\u0942\u0928\u0924\u092e \u0915\u0930\u0915\u0947, \u0938\u0902\u0938\u093e\u0927\u0928\u094b\u0902 \u0915\u093e \u0938\u0902\u0930\u0915\u094d\u0937\u0923 \u0915\u0930\u0915\u0947, \u0924\u0925\u093e \u092f\u0939 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\u0906\u0902\u0926\u094b\u0932\u0928 \u0939\u0948 \u091c\u094b 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