Get Adobe Flash player
Nikoga nisam nazivala marginalcima!

Nikoga nisam nazivala marginalcima!

Političari misle o izborima, ja kao državnica mislim o budućim...

Smišljeni napad na Predsjednicu

Smišljeni napad na Predsjednicu

Puno je nedobronamjernih koji su sudjelovali u pripremi dočeka...

Vratio se Vučić na puškomet od Gline

Vratio se Vučić na puškomet od Gline

Nakon što je Vučićeva propagandna bagra otišla u Srbiju...

Previše glume, teatralnosti, patetike...

Previše glume, teatralnosti, patetike...

Umjesto pozitivne, nad Hrvatima u Srbiji, nastavljena negativna izborna...

Hrvatska naspram Srbiji danas

Hrvatska naspram Srbiji danas

Nadam se da će se Srbi u budućnosti odreći...

  • Nikoga nisam nazivala marginalcima!

    Nikoga nisam nazivala marginalcima!

    četvrtak, 15. veljače 2018. 16:43
  • Smišljeni napad na Predsjednicu

    Smišljeni napad na Predsjednicu

    četvrtak, 15. veljače 2018. 16:36
  • Vratio se Vučić na puškomet od Gline

    Vratio se Vučić na puškomet od Gline

    četvrtak, 15. veljače 2018. 19:29
  • Previše glume, teatralnosti, patetike...

    Previše glume, teatralnosti, patetike...

    četvrtak, 15. veljače 2018. 16:32
  • Hrvatska naspram Srbiji danas

    Hrvatska naspram Srbiji danas

    srijeda, 14. veljače 2018. 12:38

Predstavljeno specijalno izdanje edicije "Way to Croatia"

 
 
U Muzeju Grada Splita, u utorak 20. siječnja pred brojnim medijima i uzvanicima, Turistička zajednica Splitsko-dalmatinske županije predstavila je specijalno izdanje edicije "Way to Croatia" pod nazivom "Otkrijte srednju Dalmaciju". Radi se o brošuri, vrlo aktivnog dizajna sa čak 120 turističkih programa, kao prva županija u Hrvatskoj koja je napravila takve programe kojima se potiče dolazak turista u predsezoni i posezoni. U brošuri su na ukupno 115 bogato ilustriranih u slici i riječi stranica predstavljeni programi koje nudi 20 agencija, zajedno s njihovim kontakt brojevima i elektroničkim adresama.
http://www.dalmatia.hr/images/vodic_kockica.jpg
Svakako, ovo će izdanje biti od koristi i brojnim hotelima, hostelima i privatnim iznajmljivačima koji na jednom mjestu mogu pronaći brojne informacije o tome kamo uputiti svoje goste kad im dođu. Projekt-turistička brošura podijeljena je u tri klastera, i to eno-gastro, aktivni i kulturni klaster. Besplatna brošura je tiskana u 1000 primjeraka za sada samo na engleskom jeziku, a uskoro će se tiskati i na francuskom i njemačkom jeziku. Direktor Turističke zajednice Splitsko-dalmatinske županije Joško Stella rekao je kako je razvoj tog projekta trajao godinu dana, a poveznice s brošurom već su isporučili partnerima u inozemstvu. Programi će zaživjeti već ovu predsezonu, a pun zamah imat će u posezoni, te će svakako kroz cijelu godinu koristiti  i brojnim hotelima, hostelima i privatnim iznajmljivačima koji na jednom mjestu mogu pronaći brojne informacije o tome kamo uputiti svoje goste kad im dođu bilo u predsezoni ili posezoni.
 

Ivica Luetić

Svima je postalo jasno da će sve dok ekonomija ne oživi, krediti čamiti u bankama

 
 
Europska Centralna Banka napokon je promijenila monetarnu politiku, pa će po novoj odluci unutar eurozone kupovati državne obveznice na primarnom tržištu, a unutar EU i na onom sekundarnom, što će reći da će otkupljivati državne obveznice koje se nalaze i u bankama. Quantitavive easing (QE) u osnovi znači 'kupnja državnih obveznica od strane centralnih banaka'. Metoda se rodila poslije 2001. godine s ciljem da se smanji razina kamatnih stopa od utjecaja svemogućeg slobodnog tržišta. Nakon što se uvidjela činjenica da potiskivanjem monetarnoga suvereniteta država (što se desilo dvadesetak godina prije pojave QE) financijski sustav i ekonomija ne funkcioniraju baš najbolje, nije se moglo reći "oprostite sve smo pogriješili", pa se smislio taj novi termin, koji zapravo predstavlja metodu i namjeru da se težište monetarne suverenosti ponovo pomjera prema državama, s ciljem saniranja javnih računa.
data:image/jpeg;base64,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
To što je ECB donijela 22. siječnja 2015. nije sve ekonomiste dovelo do ushićenja kao našega ministra financija. Mnogi uviđaju kontradiktornosti programa, jedno mnoštvo ekonomskih varijabla i nejasnoća koje stvaraju još i više političkih nepoznanica. Obzirom da je ova odluka donijela zapravo pravu konfuziju najrazličitijih mišljenja i stavova, oni smireni pozivaju na refleksiju nad efektivnom europskom situacijom. Ono po čemu je najnoviji monetarni program ECB očito nejasnog karaktera proizlazi iz činjenice da se pri donošenju programa nisu promijenili uvjeti spornog ugovora fiscal compact, koji traže 60% duga u odnosu na BDP. Na fiscal compact, odnosno politici fiskalne štednje i dalje inzistira Njemačka, a Mario Draghi odobrovoljio je kancelarku Merkel naznakom kako je ovaj monetarni program na tragu ubrzavanja tih fiskalnih reformi. Međutim, obzirom se fiscal compakt pokazao recesijskim modelom, a da monetarna ekspanzija ne ide uz fiskalnu štednju, ovaj je program za sada u najmanju ruku nejasan. Njemačka stalno upozorava na rizike "kvantitativnog popuštanja", međutim, neki izvori donijeli su zaključak da će se prihodi (a s time i rizici) te monetarne operacije preusmjeravati u nacionalne središnje banke, koje bi onda mogle pomoći stabilizaciji društvenih računa, a da će Njemačka u svemu tome profitirati čak četvrtinu ukupnog novčanog dohotka.
 
Problem kreditne nestašice postoji već duže vrijeme u Europi, ali njeni uzroci nisu u nelikvidnost banaka, pa da bi sada trebale još više likvidnosti. Svima je postalo jasno da će sve dok ekonomija ne oživi, krediti čamiti u bankama bez obzira na njihovu likvidnost. Pritom, jedini način da se oživi ekonomija je povećanje javne potrošnje. Moglo bi se to postići smanjenjem poreza, ali da se pritom ne smanji javna potrošnja za isti iznos. To bi u biti značilo da u ekonomski sustav ulazi nekakav novac koji nije dug, što je u razmjerima javne svjetske financijske paradigme još uvijek jedna totalna tabu tema, pa se stoga govori o QE. Bilo kako bilo, ovo pomjeranje dohotka i rizika na nacionalne centralne banke ostavlja kreativan prostor samim europskim  državama da iz toga izvuku najbolje što znaju, što mogu i što moraju. Ovdje bi samo još trebalo napomenti da pad prinosa na državne obveznice umanjuje profite koji proizlaze iz štednje, pa bi kapital skriven u štednji mogao lakše prihvatiti rizik i aplicirati se na konkretne investicijske programe.
 
Američki se QE razlikuje od europskog, on se sastoji od direktne kupnje državnih obveznica i plafona javnoga duga koji se stalno diže. Oni nemaju fiscal compact i navikli su da bogatije države uvijek kreditiraju one siromašnije. Stoga Sjedinjene države nemaju problema da sa fiskalnom ekspanzijom podržavaju onu monetarnu. Ako novac cirkulira unutar javne potrošnje, ako se nude profiti, sasvim je prirodno da će se ulagati, graditi, stvarati, zapošljavati i trgovati. Problem tko će vratiti novac u SAD momentalno je u drugom planu, jer FED vodi monetarnu politiku po kojoj unaprijed troši svoju potražnju. Američkom narodu i njihovoj kako sami vole reći 'vodećoj demokraciji' ostaje za odgovoriti na permanentno prošlo, sadašnje i buduće pitanje: komu oni to zapravo trebaju vratiti novac i tko je taj američki monetarni suveren?
https://encrypted-tbn1.gstatic.com/images?q=tbn:ANd9GcSyPwOjsEADgXSaEzgYMYikfgZsE43zPcbL0KskohmkQUs6QlnE
I dok još uvijek nije potpuno jasno kako će se QE odvijati unutar eurozone, pozicija naše Hrvatske je takva da je svima već jasno kako ona unutar toga programa ne sudjeluje na primarnom tržištu, nego samo posredno na sekundarnom, preko banaka. Dakle, prodaja naših obveznica po minimalnim kamatama, kao izgledna mogućnost za članice eurozone, za nas ne dolazi u obzir. Mi bi se morali pomiriti članstvom u Europskoj uniji sa ugovorima (koji su ovim monetarnim programom po svemu sudeći trenutno poništeni) po kojima nemamo monetarni suverenitet. Trebali bi ostati periferna članica EU-a doslovno pod financijskom supervizijom privatnih poslovnih banaka kao i do sada. Neki se vesele što će naše obveznice bez obzira na rizik biti tražene i da će dobiti na značaju, jer će kamate naših obveznica biti veće od kamata na obveznice sretnijih EU zemalja. Samo neka nam još i objasne u čemu je tu sreća?  Ono što je profesor Luka Brkić rekao, da se Hrvatska (u makroekonomskom smislu) nalazi u svojevrsnoj shizofrenoj situaciji,  posve je točno. Stoga najbolje što sada naša politika može raditi je nastavak procesa ukidanja devizne klauzule uz široku, ozbiljnu i povrh svega ujedinilačku domovinsku raspravu o povratu monetarnoga suvereniteta. 
 
Koliko košta monetarni suverenitet? Guverner Vujčić je izvukao računicu da bi ukidanje devizne kaluzule koštalo skoro 8 mlrd. eura, nije ga nitko ni za šalu priupitao u koliko bi to moglo ići rata? Srećom za njega pa još nitko nije izvukao javnu računicu koliko je zapravo Hrvatsku koštao gubitak monetarnoga suvereniteta i dosadašnje kamatarenje uz deviznu klauzulu, a koliko bi koštao nastavak toga procesa? Nezavisni zastupnik Branko Vukšić iznio je tezu da su gospodin Rohatinski i gospodin Vujčić svojom monetarnom politikom nanijeli više štete građanima ove zemlje nego što je nanijela agresija na Hrvatsku. Teza je nategnuta jer potpuno zanemaruje odgovornost zakonodavca koji je monetarnoj vlasti dao takve ovlasti. Nije li vrijeme da se prestane igrati skrivača i posve jasno kaže da Hrvatska naprosto mora izabrati drugi put i započeti monetarne procese približavanja svojoj vlastitoj valuti kuni? Odnosno pristupiti procesima povrata monetarnoga suvereniteta, koji će uz jačanje domaće potražnje napokon otkriti i zaštiti naše komparativne ekonomske prednosti. Jedino putem jačanja domaće potražnje mogu se zapravo otvoriti ti toliko traženi procesi stvaranja novih radnih mjesta, jačanja konkurentnosti hrvatskoga gospodarstva i dizanje standarda. Svaki drugi put je odlazak u još dublje kreditno ropstvo i snena ekonomska iluzija da se može živjeti od stranih kredita ili da će nam boljitak donijeti netko drugi.
 

http://barometar.vecernji.hr/analyses/koliko-kosta-monetarni-suverenitet/

Jačaju vlasti, osiromašuju kućanstva i pojedinci

 
 
Po prirodi sam optimist. Volim priče kao što je ona iz Voxa, pod nazivom "26 grafikona i karata koje prikazuju da svijet postaje puno, puno bolji". I to je istina - kriminal, siromaštvo, rat i bolest, koji su glavna nemeza čovječanstva, smanjuju se, pa čak tehnologija i dalje čini da svijet postaje bolje mjesto. No, optimizam je opasna droga. Ako ga je previše, možemo izgubiti volju za borbu protiv problema koji i dalje postoje. Ako se fokusiramo na dobro, to nas može odvratiti od područja na kojima je potrebno raditi. Dakle, premda svijet postaje općenito bolji, ovdje je popis sedam zabrinjavajućih trendova koji bi mogli privući pozornost.
data:image/jpeg;base64,/9j/4AAQSkZJRgABAQAAAQABAAD/2wCEAAkGBxQSEhQUEhQWFRUWFRcYFxcXFxcXFxcVFBwYFhQUFBQYHSggGBolHBQUITEhJSksLi4uHB8zODMsNygtLisBCgoKDg0OGxAQGywkICQsLCw3LSwsLCwvNCwsNC8sLCwsLCwsLCwsLCwsLCwsLCwsLCwsLCwsLCwsLCwsLCwsLP/AABEIARYAtQMBEQACEQEDEQH/xAAcAAABBQEBAQAAAAAAAAAAAAAFAAECBAYDBwj/xABGEAACAQIEAgYHBAcHBAIDAAABAgMAEQQFEiExQQYTIlFhcTIzcoGRscEjgqHRBxQVNEJSshYkU2Ki4fA1krPxQ3Rjc9L/xAAbAQABBQEBAAAAAAAAAAAAAAAAAQMEBQYCB//EAEIRAAEDAgMDCAkCBAYCAwEAAAEAAgMEEQUhMRJBUQYTYXGBkbHBFCIyMzRyodHwNeEjQlKyFRZTYoKiJPFDktIl/9oADAMBAAIRAxEAPwDxS9Km17H+hromUtjJVljbfq2WSMxTRSLYqyC7XB34jfT3GsdylxEW9HYWkHUWO0CDcEHIZ9u/ipUDN69aArGEkm5UpPSISoQlQhDs/wAtXEQSRMzIJEKFk0h9LW1IpYEdoC1TaCodDM1wG1Y3sb2vuJtwXLxcL5g6TZS+FnaJ43iHpIkjIzhCTpLlNtRAr0+lqGTxh7CD0i9r77XUIixzVTLPWx+0K7m927qU3DPjIvmCJdKvTT2T86jUPslXnKr30fUfFA6nLKpUISoQnBoQmoQlQhKhCVCEqEJUISoQlQhKhCtQLdlF1F2A7Rsu5G7HkveaCbC64C+k8ixMGCwsMZWOMsurTh9ckRJDEskjDcHRxJ4lRfcE+dVdLUV1Q97CSAbetYEaZWHXllmATuKmNc1gAKtYnpOi3AjdmDMqqSi6ygcuEYm2odWwIJHw3qPHg8jrEuAFr3zNr2tca53BBAK6MoVd+krszrEguASoIJZiJGjI0Eq1wI3NrW7yOchuDxtYHSu4XsRYZA62I3gDMG+gK550k5KxLPimWMhSp7YYKqbujhUEmsnTEyhiSpv3HhdlkVE17wSCMtSdC25ta13A5AEdY1XV3kKQyuZoAsshMglV9QeRBpVxdSUbcFAwtYLvwFcurYGVBdEwbOyRbZac7GxFxlnbPXLVGwdnMqjJkoMiH9ZRn1jSJDqJEbTlVUKykkCbzunGpja9zY3fwSG21AtqG55gjMjqsdFzsC+q8r/TZlqx4sOkcSdZuxWVmldjbtSRMewO6w77ncAaHk7O6Sms5xNss22AHAEa9OfYm5RZywWV+uj9oVdz+7d1KVhfxkXzBFukrASxkgMLcDex34G29RqH2SrvlZ76P5T4qwMBCWPYUWlKW7e6rNEl737mI99TLlZC5VLA4aOTrOwuoMCtiwBQWDgAm/BtQ57UpXRyVl8HEVmYIn2Ze28gvp0EcW7hIPOkuuc8lXwuHjMavoBIickdrtPG1u/mJFO38lKujqia5PFsAgJtJa5bdkcBVY32JuALd5rm642iheWQo8fajW+qQXu1+zGzjnyIFdErs6q7i8viWNisYJI1L6RPbMehQAeIDkb8+NJfNcgkpocuhZ5LKrKdDR2LjssrtzOxsm4PcbcRRdBJTw4OEttGp+0KkfaAabNpZCW3F0IPj4UXKM1GHBwlI20KQxiW32lwW1CQWB8Lg8LUXKCSuYwMYY3QWBxHHXayEaL2N/hRdF/JUs7wyosJVApZATbVa5C7HUfSBLHbaxWlC6bvQqlXatYaTS6ns7Mp7Y1JsQe2tjde8W4UjhcELkL6WwE8E2BSZhDOI4nBMKFI+6VYlbgvZt7uXCvOJG1EVaYWFzNsj2jc9BJH5uU0bJbc52SxeaLHI8cMUROtuFtRZkeZpyijdLmRSb7uSLi5pyCjfJE18z3jIdVgQ0Nz0Pskf7Re2QXJeL2FlYlzHEMMOYo2YMz9cdKqNCMI9tTnSTrLrYtcIRwN6j+i0rHSh7gLAbOZOZBO4Z6bJ0ttX1GfW042sq0EGOZV6yxICkWkMd30xktKsZHZBWQFQWHavYjYPmTDmOIZpn/LtZZ5N2gc8wQcjlbLU82kIzUYMI8Cs00sIRXkV2lkL6opiukSEqul7KgsS3Hia7kqGVBaImPJIBAa21nNvpm64zN7AdSA0t1I/wDa7ZVlaqY0GI1vEFv1dxdVIIEnabiS2xNrE2GxNM1lY9zXPMWyHX1tvyyFm6cbXBtcpWMAyuvH/wBNGPSTF2Q4Z9OxeIHrbjsmOdr2JFtvpwrVcn4Xx0o2todDtOtvAH84lmUjaWGyz1sftCrmb3bupSsL+Mi+YIr0lAMiAtp7J3sTz2G1RqH2T1q75VuHPxj/AG+alPlOJTd5tO7G5eQbqy6jqIA9Iqb34i/KpYcCsnccFD9kTlj9qNQcA3Z73Kk6+HDTpBP+YDvsu0EXCE4md9TBpGbcgnUTqttz5V0ugArseAmVgivZlPZAZhbWmu67bXAA87UlwkuFbw+Vz7aZwN9rPINgA4ZduFjf3GkuEm0OC5R5VPpZhJYC7EamuboGZgOZ0tY++gkIuFNMBiFCHrmVZFDDtSAWbfflyPwouCi44KnmCSwtZpSS4ubM2+klQSeZBU+VKLFKLFdsNhp5EDiY/wARALvqBWyk/wCq16MkG19F0XAT2UibYqtu04su+geG2rakuElwoHDzaC/XkgKW9KTcC4NrjjcWtS5IBCH48OGKu5a3iSNwLEX8AKVdBVqEqmaVcr3L9D3Sbr4jhpXeV1U9nqo0hhhQaVUsttWrx+hNYnlDQbLufYAMxnclznHwt+cFJhfuWyx74mPrVhCadK9SEhbsl9anUdeltLBWNgNj76qKdlJLsvmJvntXeN1jkLA5i4GZz7k44uGQXFVxrS3bUIyzbAxjSLRKpvqBtcTN/FsRtwqQThzGWBBNtbE8TwI0sNR16rn+ISueY5ZK0CiWZItEhcszsex1ZW7PITusjaxa3oi2k8Cmq4RUF0cZddtrADW+4C2RaLHXU3uNRzDs2JUsDk8bSdZHOpZGd1aJF4zM7MZSCVlPacDgQGJNyb0k9dKyLYkiIBsCHE/ygAbIsC0ZAnW9hawyQ1gJuCnxmHw2WRSYm0gAREkeMAsVCpEjugsradI3ttqbgCRTbKipxGQQnZsSSAb21LiAcznfPPOwvnZdbLWC6+cOkGZviZ3lkcSMTbXoWMuBsrMi7A2tXocELIYwxgsBuuTbozUQknVcMr9dH7QpZ/du6lPwv4yL5gjOcqpxMQZtK7Xa9iBfjflUai92Vb8qviG/L5lSOGQHs4kiyqo+3W5FiTYjYKCqDT4fCX2LLXPBc2hiF9M7XG9+uUXsAdI8bswBuRx8bLmlUMPh42XU8xLMtyDKo7xpJI9KxTw9LnYUXSLrGsekscTISL7CQAkL6sgHe+x25XFJ2JexS6uIKP7w57bj1wAXYEPaxvci5t5caVJnwXDFhUQ6JnZ+VphYG5u1rbgjfY3334Ua6oCr5YgIfXKVItpAkCg21XF9/wCUf8tdSlKvvBCwF53azEEGZNgdILC/gW+Fc70lyub4aNbWmPA6iJk569gvHdgnxpUXPBcsKkbKC0rq2kE/ar6YYngRtzPmb86DdCjjrRq5jlbZ10gTK1x2gGsvMAW+98QIGaDuxJuSSe8710u1GhCkaVIrOX40xOrjcKysVJIV9JB0vYi4rh7NtpH14dKF7j0K/SdHOqrimCy6ZZJXsEijRD2UW5JckWPv91YfE+T5jJdTg2yAGpJOpPAKSybcVrsTiI8SIXjnCpoE7drS3UOpMclj6IuAbta1jzqqhZJSmRro7m+wN42gcx05bhrvyThs62fSqL9G441b7cINAUllXZXNmDbjZlCrc78Tc32mDFZJCLRE3N8r7hfLXQ3PDQW48c3beqGY9JMHlzyu0ryHr0injVYwY2kQyLJp0hmWy2sGI3PMU62iqsQjazYDQGlzTdxuL22SbkXzvpfIbkbTWHVeOdNemcuOlvsoXWgZNSdZEWJQSLfew+da3DsOjpI9lt9xzzsbZ2TD3bRusrViuVayv10ftCmp/du6lPwv4yL5gjGeAfrEV1LDa6gXLWPogc78KjUPsHrVxyr+Ib8vmU87R7AYd7B0AvEASNQIu1ydRUabczvUwdayuanhhH/Fh5Cb3uIBYi2+3mC23fbgNzNIqeMZHXQkbBhouRCoNwCG9HcAghrd4NAySi6bLGWMMJYmYakO8QJFw1wWO4v2bDnY0FBz0VxJYw0hOHYrq1D7FeyoC7HuFg/z57CTPiuQkQuhWBil24RDtHqlCgc+IdrXPfc2o7Uq6mSK1jh3Fwyg9UDZgDYgE7kcx/lvzpM+KM7qskqWTVCSwKFrRAXVSNXDjzG/eK6QunY2Jie9wQOoFiSYzp4i4urL9/3UiTNNhpYwDeBjZmIPVKbAtcA3/wAu1vGhBukuY4a9+q25jQp5bbX2osUtnIE53NuF66XajQhPQkXfBSIrAyLqXfb5VxI1xbZpsVLopII5Q6du03PJHcWsCRo5ivr4C/Da++9QGGZzy3a0WrqmYZT00c5guH6C/Rfig0WazKHVZXAkjETjUe1GttKH/KNIFu7bhU4xMJBLRkbjr4/VYq60k2YYnEYVyXd3mEayXPpJC32YI4bWH495quDYopwLABtyMtC7W3XvWojwoVGGNkiZeQnjuBPTZUZsITBJJiAWl/mZizcgtzffup0SjnWtj9ngE4MKbDhsj6hlnjQ91tCs7VgsmtPBgI+qjbqdZKi9jblx3NVbpn844bVs1u4MNpvRIpBBtktF7G27XMhColtigAuntjs93hUtxvATe+Sz0TAzFWtDdkbYy4IlnGr9ah0C7XXSCbXOrYXpqi92VN5V/EN+XzKtFJ7RoUjuhiYHUbm3YF9u8MD4+QqWCDmspkmmE7aW0x8NwGPa7GkNa17AEe+16MkZaKMEsrGRlWIkuSRc7dSFjPZAtptIb9+q/KhGSmGnV3JjjJDLcFiSNGqwN99+3seNvAUZEIyUXkmZdDrEBIrAOzNwVRc3INyAo38KMkmShiI8RqiUhAdTlVudyVu5vbhuT961GSXJPPJM6hikdlLbg29YLW2GxsVN/LvNAACMlwxmZyRAXWO5FxY+aklRa/d5i9KAlABVObO9S6RGqjs8Cb9lg/HiDcceO9Gyl2U0meuVYaV7QYNtzOwYDkQBS2RshCaVdJUISoQnpUiVIhGs2cHDwAEXAFxfh2eYqFACJnlajFpGOw2naCLgDf0IJU1ZhHev04NdLWbVyNjxNQdi9SbjJav0nm8Fbzb7OvuNjqe1PFiNWEk1Ndr8zva699I5lqhthkliqTJg8okfd195z1HFAanrJrU6NcEQWURkKL7+HA71VX2JXEtut7zfpFDAyOcRkAXz6NNQhow3V4iO8ge5BLX+Zv4VJ5zbhdZtlSClFPiUW3KH3IJdfxNzwVzNAHxMIDqL2F9iBueN9vjXNHdrDcLvlS9r52lpB9Xcb71ZkinF74kaUBYBgHKgajYC1rnRy8e41KsNwWWuFF8JNHL1ZnN21MVUBG1LpSxDC1rb27lvbgaUEEXRcWuk2DkAdknsdTk3ANybM52HMxx2HIA0ZIuFDCI7tOHnsyFVXdV6wMxsy6hfkpuP5vGgnTJLkp4jL5bjXiBqDEcgAGDLuLXGw+BoBG5JfoSly6e6k4gBr6lYrp7J7OoPYHmNvGi4KLjgoQxykMBP2w7ixAIZYv4jcbks3O5+FGSXJcZssMrSa5dTIsYBsALuSABbY7b7czzNLdF1UfKQqKxkBvIi7EcGvv8AhxO1LdLdd5ciXVZZVK773BJseRG3C53/AJT3ikuk2kLzDDiORkBvpsCfGw1W8L3roLoG4VahKlQhSNKkTUiEqEqVCEqEKc0JW1+YBHkdwa5a4O0Ts0L4iA7eAew5hc66TSVCEqEJUITihCd3JNySSeJO5PvoQo0ISoQlQhSeQm1yTYWFzewHADwoQo0ISoQlQhKhCVCEqEJUIUjSpEqRC0OFyGNo1dnYXUE8Lb+6q99W8PLQAtnScnKaWnZM97hcA7rZ9imMghP/AMh+K/lXPpkn9PinRyaojpKe9v2QPMcOI5GRTcC2/mAfrU6F5ewOKyuJUzKWpdCw3Atn1gHzRnMMFrw0bjiiD3rbf86hRSbM7mnQlabEKHn8Limb7TGg9ls+7VZ2rFYxF8uyhZIjIWII1bC3KoktSWSbIC0eHYJHVUhqHOIIvl1IfgYOskVTsGNr1IlfsMLlTUNOKioZETbaNkePRtB/8h/CoHpr+C1p5K041lP0UH6NKfRk+IB+RpRXHe1cP5KRuH8OXPpF/AoRmGXPCe0NjwYcD/vUyKZsgyWcxDC56J1pBkdCNP8A2qdOquSoQrOCwLymyDzPIeZpuSVsYu5TaLD56x2zEOs7h2o1F0bAHbk+AA/E1CdXE+yFp4uSsbReaXuy+p+yUvRoEXjk+IuPiKG1x/mCJeSrHNvBJ35/UfZBMZg3iNnFu7uPkamxyNkF2rLVlDNSP2JhbwPUU2Cg6x1S9tRtelkfsMLuCSipxUTsiJttG10ebo0v+IR5gfnUAVzv6VrHclIR/wDKR1gfdV8ZkARGcSXsL2tx/GnI6sucG7KiVnJxkEDphLewva37oFU5ZRKhCnSpE1CFqcTEz4RAoJOlNh7qqmODagk8St/UwSTYLGyMXOyzIdiA/sub/Db4VP8ASI/6gsl/g9d/pO7lWliKkqwsRxBpxrg4XCgywvheWSCxG5bTLPUx35qB/tVLN7x3WvUMLsaGIO3tA+iymaYMxSFeXFfI8KtYJecZdee4rQmjqHR7tR1ftojXR/8Ad5PN/wCkVDq/fDs8VqOTx/8A5svW7+0INk/ro/aFTKj3TlmMG+Oi61d6VesX2fqaYofYPWrblV8Sz5fMoMjlSCCQRwIqYQCLFZlkjmODmGxG8LTZRjBiEaKXc24947/MbVWzxGFwexbnCK5uJwupanM27xx6xxWexmHMbsh5H8OR+FWEb9tocsdWUxpp3Qncfpu+iWCw5kdUHM/AczRI8MaXFFHSuqp2wt3+G9aLMcauGQRxAarfDxPear4YjO7bfotliOIR4VCKWmA2rd3SeJP5ks1NMzm7Ek+NWLWhosAsRNUSzO2pHEnpTwTshujFT4fXvocxrhZwSwVMsDtqJxB6FpcFilxUZjkFmA/9MtVskbqd4c3T8yW4oqyLGKd0E4s8fm0PP7FB8BAUxKqeIe3+9S5Xh8JcOCzdBTvp8UZE/UOt+daIdJsO7umlGayngCefhUeje1rTtEBXPKalnmmYYmOdYbgTv6ECmw7pbUrLfhcEX8r1Pa9rtDdZOammhtzrC2/EEeK510mEqEKRpUia9CFrHxRiwqOtrhU48N7VUCMPnLTxK9EfWSUmERyx2uGs16bIV/aOXuT4H86l+hR9Kz/+aa3g3uP3Q3F4gyOXa1zxtw2FvpUiNgY3ZCpKuqfVTOmfa54dAstDiJCuEjYcRoI9xqvY0OqCD0rZVErosGikYcxsH6p81jE8AkXiov8A/wBL/wA7qSBxhlLD+cF1i0TcSw9tTFq0X/8A0OzyUej/AO7ye0/9K11V++b2eKb5PfpsvW7+0ILk/r4/aqZUe6cszg3x0XWr3Sr1i+z9TTFD7B61bcqviWfL5lBamrLq/kT2nS3M2+INMVIvEVbYE8sr47bzbvCtdKY7Sg967+64pmhddhHSrDlTEG1TXje3wyUuiiAyMeYXb3n/AGpK4+qB0pzkpG01D3nUN8ShuZyFpZCf5iPhsPlUmFuzGB0KjxSUy1kjj/UR3ZDwVanVBSoSK7k0umZD3tb/ALtvrTNQ3aiKtMFmMVdGRvNu/JFsyS2MiPfpv53I/KokJvTuC0WJMDMZheP5tnxIVjOs1aFlChTcX3v3+Bpqmp2ygklTcaxiahkayNoNxfO/kUBzLM2m06gBpva1+du8+FT4YGxXtvWSxLFpa/Z5wAbN9L77cT0KlT6qkqEKTUq5TUJVpcf+5L7KfSqyL4k9ZW5r/wBDZ1M8lmqslhk1CFpceP7knklVsXxJ7VucQFsDZ1MVbozjLMY24Nw8+Y94+VOVsVxtjcoHJiu2JTTP0dp1/uPBF8Pg+qjlUcCWYeAKjb8KiPk5x7SegLSU9AKOmmY3Qlzh1EDLsssxk/r4/aqzqPdOWEwb46LrV7pV6xfZ+ppih9g9ateVXxTPl8ygtTVmEU6OYctMDyQEn5Af87qi1j9mO3FX/JymMtaH7mZ+Q/OhN0jn1TEDgoA9/E/OijZsx34pOUdQJa0tGjQB5nxXTozOFlKn+IWHmNx9a5rWXjvwTvJioEdWWH+YW7Rmq+d4YpK3cx1D38fxvTlNIHxjoyUPHKR1PWO4O9Ydv7qhUhVCVCRE+j2GLyg8k3P0FRquQNjtxV9ydpHTVgfuZmfL6q3jZ9eMS2+kqvvG5+dMxs2ac33qwragT41GG57JaO7M/nQo9LPTT2frS0PsnrXPKz38fy+aB1OWUSoQkKEimaVIo0JVrHwrSYVEW1yqceG1qqBIGTlx4leiPo5KvCI4o7XLW69FkL/s7L3p8T+VS/TY+lZ//K1bxb3n7KpmGWPCAW079xvw91OxTtlvsquxDCZ6ENMpGd9Dw7AjGY/ua+SVCh+JPatPiP6IzqZ5LNoSCCOI3HuqzIvkVh2vLXBzciFs4MUJYC3+U38CBvVK+Pm5NnpXp9PWCroDKNS0367ZrL5P6+P2qtKj3TlgcG+Oi60czvKnmcMumwW25I+lQaaobG0grV43g1RWzNfERYC2ZP2KoR9G5Ce0ygeFz+FhT5rmbgVVR8lakn13tA6LnyCvzTR4SPQhu5+JPe3cKYax9Q/aOit5qimwamMMRu899+J4DgFl2Ykknck3PmaswLCwWCc4vcXOzJzSRiCCNiDceYoIBFihj3McHNNiM1p4J48Wml7Bx8b969/lVY5j6d+03T81W7gqaXGafmpspB334t49IQ+fo9KD2bMPOx94NSG1sZ1yVLPyYq2O/hkOHXY9x+6fD9HpCe0Qo+J+AofWsHs5pafkvVPP8Uho7z9Pur2KxceFTq493+Nj/M3j4UwyN87tt+n5oreqrabCIPR6fN/nxd08B5ILlBvPH7VTKj3R6ll8HJNfGT/UiHSv009n60xQ+yetXHKz38fy+aBVOWUSoQlQhTalXKjehKrseZzKAA5AAsNhw+FMGniJuQrSPF6+Nga15AAsMhp3KX7Xm/xD8B+VJ6NFwXX+O4h/qnuH2XHE4ySQDWxa3DYfSu2RMZ7Iso1TXVVUBzzi4Do+wTPjZGXQWJUW225cKBExrtoDND6+pkhEDnEtFsst2nSq5pxQyOKN9Hw+mTb7Mq2/+YDlUGrLNpvG61XJ8VAily/hlpz/AN1t3mg0LspDLsRwNTHAOFis1DJJE8SR5EaFXP2tP/OfgPypn0aHgrL/ABrEf9Q9w+yZ81mI3dvwH4gUop4huXL8YxBws6Q27vJUSb8afsqsuJNzqpFD3H4UlwujG8C5B7lGlTacGhKCQbhXoc4mXYPceIB/E71HdSxO3K2hx2uiFhJcdIB8c0p83mbYuQPCw/Eb0raaJugSTY5XTCzpCB0WHhmqNPqq1UoZSrBlNiDcGkc0OFinIZnwvEkZsRoumLxbyEFzqI2GwG3urlkbWCzQnqqtnq3B0zrkZaAeAC4V2oqVCEqEKRpVylahKtLmg/ukflH8qrIPiD2rcYuAMGj6meCzhFWawy0WXj+5t5P9arJfiR2LdYcB/gjz0P8ANUOjPrvuH6U/W+77VUcl7emm/wDSfJNmEHWYooObAe6wufnSwv2IA5c4jTGpxd0LcrkDssL/AEVvPsb1doU2Fhqttt/KDTNLFt3kcrPH6/0YNooMmgC9ssuH3UspzZSyRLEFHC+q/jfhvXM9MQC8uuu8JxqN8kdLHCGjT2r9PDNW8yzdYX0lL7A8hxv+VNQ0xkbtXVhieNx0MwiMd8r8PzRDnlbGMFUaEXdvPv8AE9wqSGtphc5kqmfLNjkojjGxG3M/nHgFcd8Phdran8gW95PCmQJp8930Vk+TC8JGzbaf3u7Tu6supcv7SrzjNvMfKuvQXcUx/muEmxiNusLocPBigSnZe3dYjzXga525qc+tmE6aXDcXYXQ+q/qse0aH8zWexmGMblW4j4Ed4qxjkEjdoLGVlJJSTGKTUfUcQtJkrBcNqIvbUfgTVZU3M9upbjBHNjwsSFt7bR7iVW/tCn+F+I/KnfQnf1KD/miDfD9R9k+Z4GOSLrogBYXIAtcDjcd4ohlfHJzb0uJ4fTVdJ6ZSgCwvllcDW44hdLDEYXYDWvh/Ev5j51xnDP0eRT9m4phRIA22+LfuPFZpVJIA4k2Hvq0JAFysKxjnuDW5krRZ0whhWJQLsLE+A9I+81W0wMspeVtcacyhoWUrBm4Wv0DU9p81m6sliEqEqnelXKahC0matbCxeOgf6b/Sq2nH/kO7fFbjGXWweEcdj+2/ks6TVksOtFl/7m/k9Vc3xI7Fu8O/Q39T/ND+jXrvun6VIrfd9qpuTHx3/E+StxMBjjfnce/TTTh/4o/N6sYnAY+6++4/6ql0ihImJPBgCPhb6U9RuBiA4Kr5RwujrnOOjgCO63kuOSH7ePz+hrup905RsENq+Lr8irPSj1w9gfM01Q+77VP5U/Gj5R4lEXb9Wwwt6bf1NxPuHyqOBz8+eg8FdPd/hOFjY9t39x1PYNOpZdmJNzuTVoBZYNzi4lxzJSoSLpBMUYMpsRXLmhwsU7TzvgkEkZsQtDnCibDrKBuLH3HZh7jVdTkxTGMrZ4w1ldhzatozFj5Edh8FLLjbBt7L/WkmF6kdicw5wbgjieD/ADWZtVosEtLlqmLCuX2vqIB24gKB7z86rJiJKgBvQt1hrXUeESPmFr7RAPSAAO0+Ko9G8Xpk0Hg/4MOH5fCn62PaZtbwqrkzWmKo5k+y/wARp36dyt4XK9OKY27K9sfe4D3G/wAKZkqLwAbzkrGkwjm8Wc4j1G+sO3TuN+5Cc3xfWyseQ2XyHP61Lp4+bYAs7jFb6XVOeNBkOoffVUqfVWlQhSpUiahKtdJjFigiZl1AqgttzW/PyqnEZklcAba+K9IkroqPD4Xyt2gQ0Wy/p6epU/25D/hfgtPeiS/1eKq/8xUF78x9Gq62JEmGdlGkFW225eVMBhZMGk7wrZ9XHVYZJLG3ZBa7Lq6kF6Neu+6fpU2t912rLcmPjv8AifJcs3kK4hyNiGBHmAK7pwDCAVHxiR0eJPe02IIP0CNzIuLhBGzDh4NzU+FQGl1NJY6eS1c0cWNUQc3Jw+juB6D+6A5UhXEIDsQ24qwnIMJI4LI4Sx0eIxscLEOVnpP64ewPmaaofd9qncqPjR8o8SrvSq+mMjhc/iBb60zQe05WfKsEwxEaXPgLeazdWSxKVCEqEi0uD2wTX7n+e1VknxQt0Lc0eWBO2uDvFSy9rYMkcQH+ZpJhepA6l3hzyzBHObqA/wASrOVzpKmpUQOOIsBY8t7cDTU7HRusSbKdhdRT1kHORsaHjUWAz3btCs/muOkkYrJ2dJ9EcAfHvqyghjYLtzvvWMxXEquokMc/q7J9kaX8/DgqKtYgjiDce6niLixVUx5Y4ObqM1rsfjD+rdYNiyr7tVgfnVPFEOf2TuPgvSK+ud/hZqG5FzR2bX2usfVyvNUqEqVCRStSpEqELR5uv90j8BH/AE2+tVlOf/Id2+K3GMNvg8R4bH9tlm6sliFpcv8A3NvJ/rVZN8SOxbrDv0R/U/zVDoyPtvuH6VIrfd9qqOS4vW/8T5Ktnnr5PMfIU5Te6ChY58fL1jwC79HJysoXkwIPmBcH/nfTdYwGO/BS+TdS6OsEe54I7swfzirc8YGOW3OxPnb/AGpljj6KVYzxNGPNtvse237Kt0n9cPYHzNO0Xu+1QeVHxo+UeJRDCkYnD6Ce2oA949E+R/Oo77wTbW4q5pS3FsN5kn125do0PUd/as3PCyMVYWIqya4OFwsRPBJBIY5BYhQrpNKxgMG0rBV955Ad5puWVsbblTaGhlrJRHGOs7gOlGukE4jjWFPC/gBwv5moNIwveZHLT8oaiOmpmUUXRfqGnec10wP7k3sv8zSS/FDsTtD+hv6n+aB5fjDE4YcOY7x3VOmiEjdkrKYdXvophI3TeOI/NEbznBiZBNHubb+K/mKg00pidzb1qsaoGV0ArKbM27x9x+yzVWawy02O/cl9lPpVXF8Uesrd136Gz5WeSzNWiwiVCEqEqmaVcpqEI5mOOjbDoga7AJcb8hvVfDE9sxcRlmtbiWIU8uGRwsddwDMs9wzQKp6yaO4PHRrhWQtZiH2358KgSRPM4cBlktbRYhTR4U6BzvWIdl16KnkGIWOQlzYaSPfcU9Vsc9lm8VXcn6qKmqi+U2GyR9QuWZt1kzFO1ci1hx2HKu4BsRAOyUfE3Cprnuh9a5ytvyCLZTgeoBll2sNh3f7nhaolRNzpEcea0OEYcMPa6sq/VIGQ4fudAEOw2NBxIkfYaifIWsPpUh8REOw1UtLXtfiYqpTYXJ6haw8gln+IWSQMhuNIHvuaKRjmMs7il5QVUVTVB8RuNkD6lU8JiWjYMp3/AAI7jT0kbXt2XKtpKuWllEkRsR9ego+mawTACZbHx3HuYcKrzTzRG8ZWwZjOHV7AyrbY9OY7CMx9E36ngxvqHlro52pOVvokFDgbTtbY6tr8KbEZ3HGumBR52so8fGlZSPedqQriox+lpo+aom9trDr4lZ6WQsSzG5PE1YtaGiwWNllfK8vebk70fwGMjXClCwDWfbnve1V8sTzPtAZZLX4fX00eFGJzwHWdl13ss9VisYi+Q5l1Z0sew3P+U9/kah1VPtjabqFo8AxYUr+alPqO+h49R3rjnMcevVEwIbiByP5V3TOfs7Lxoo2NRUom52meCHagbj9ir+LxaHCKgYagqbc9rXpiON4qC4jLNW9XW078IbC142g1uW/K11n6sFjkqEqVCFI0LlNQlSoSgJqEiVCEqEKxgMWYn1AAmxG/jTcsYkbslTaCtdRzc60XNiM+lPjcc8pu58gNgPdSRwsj9lLW4jUVjryu7Nw7FWp1QUqEJUISoSpqEJ6EJUISoQkKEiVCEqEqVCRKhKlQkSoSqRpVyo0iVGhgurwrOfSfT7luLVC53bnDRoLrUCgFNhL5ne0/Z7BcW79SgtTVl1byrC9ZKqnhxPkP+WpmeTYYSrLCaT0qqaw6anqH307V1zvC9XKbei3aHv4/jXNNJtsz1GSexyjFNVHZ9l3rDt1+qH1IVOj+Y5VqjSRBvoGoDmLcR41Xw1Gy8sdpdbDEsG52mZUQD1g0XHHLXr8VTkwaDCrJY6i1ibnvPL3CnhK7nyzcq2ShhGFMqQPXJte/Sd3YhlSlRLQYvC4aIJrV+0L3B8r338ar45J5CdkjJbGro8Ko2x88x3ri+R6r7xxVDNsuWMK8ZujcL8udPwTl5LXDMKpxbC46ZjJ4HXjfpfdvQ6pKpFKIi41cLi9uNudqR17ZaruLYD27fs3F+retBHhMM0RlCPpHK+/Lx8arzJOJBHcXWwjosKkpHVQY7ZHTn4238UBxJUsdAIXkDxt41PZtbI2tVk6kxGVxhBDd19fNEMnwKyrKWBJUDTYniQ3x4Co9RK6Nzbb1b4Nh8VXFMXgktAtbidr7BdsmyoOW61GAAFr3HfeuKmp2QNghScFwUTOf6UxwAAtqEGcbm3fUwaLNPADiAjeVYCN4S7qzEE7Le/LgKhTzSNkDWkDrWownDaSaiM8rXOIJybe+7QIfmkaBhoR0Ftw/HzG9SIC4j1iD1KoxSOCOQCGNzBbR+vZmVTp5ViVCFI0LlRoSrT5n+6L7Mf0qrh+IPWVvMT/Rm/KzyWYq0WER/KkWOFnkbT1nZBG5A34D4/hVfOXSShrRey12FRw0lC+ad2zznqg6m3V05nuUscqSYcGNtXVcyLG3Mb+FvhSRF0c3rC20nK9kFXhoMD9rmt5FjbeO63cs9VisYtNjscYlgZe7cd4stVkUQkc8FbquxCSiippGaWzHEWH4FHN5kfDAx8C427ibkgjlvS07XNms7guMYngmwwPg0LhlwJuT9Vm6sliFqc0y4zLHpZRpXe/jb8qqoJxEXXGpW/xTC310cJY4DZbv6bfZUc5kWOJIFIYjdiOXE+7c0/Thz5DKRZVWMyRU9HHQscHEZm3b4k6cEEqcsslQhH8H+5SeZ+Yqvk+KC19J+hSdZ8QgFWCyCOdHWIjnKmxCix7jZ7VBqwC9gPH7LVcnXObT1LmGxDRY9NnK10fxryF9barAW4c791NVcTGAbIU/k9iFTVOkEzr2A4dPBZp+J86shosQ/wBorSZGjHDNoNmLGx7uFVtUWiYbWi2+BxzOwx4hNnEmx7utD84wkwAeVg38Itx7+4VIp5IidmMWVLjFFXMaJqt4duFu/gEKqWqBKhCk1C5UaEq1GaC2EUf5Y/pVXB8Qe1b3FRbB2g8GeSy9WiwadQTtSaZroBziGhJgQSD5GgWOaHBzCWnIpqVcrpDCzmygk1y5zWC5T0MEs7tiMElN1hAK32J3HiKWwJuuRI9rTHfI6jpChSptLVRZLtHimoSJUISoQn1UWS7Rta6cC/8Azu3oJshrS42CQNFkBxGhToDva+wubd3D60htvXUYeblu4XNuCjSrhOGI50lgug9w0KTMTxNFggvcdSo0q5T0IUjSpFGkQtVnP7r7k+lVVP7/AL16BjP6V2M8llRVqvP1fyODXMvcO0fdw/G1R6p+zGe5XGBU/P1rBuHrHs0+tk+fQaJm7m7Q9/H8b0Ur9qMdGS6x6n5itfbR3rd+v1uqUMRZgo4k2Hvp9zg0XKqoYnTSCNmpNlppWXDIscY1SP8AE8rnw7hVW0Gdxe82aFuZnR4TC2np27Ur/r0no4D91WTo1cAtJYniAtwD53pw11jkFEZyULmgvksTrYXHipf2ZH+If+3/AHpPTz/T9V1/lJv+r/1/dDs2y5YbDXqY8rWsO/jUmCd0udrBUuLYXFQ7LRJtOO61suOpUcRgvsI5RzuG89RsfpSsl/iuYVxUYfahiqmDW4PebHy7kPqQqhXsowfWyAH0Ru3kOXvpiol5tl96tMHoPTKkMPsjM9XDtVN+Jp4aKtf7RRjozhtTsx4Bbe9tvleodbJstAC0nJmkEsz3uGQbbtd+10KxEWlmU/wkj4VLY7aaDxWfqITDK6M/ykjuRDo5GGkZTwMbA+RtUasJDARxVzycjbLVOY4ZFjh4KjjcMY3ZDyO3iORp+OQPaHBVVbSupZ3RO3fUbilgsP1jql7aja9LI/YaXcEUVN6TO2G9treuuaYHqXC31XUG9rcSR9K4gl51u1ZSMUw/0GYRbW1cX0tvI8lUp5VqahCkaEiahC1GaH+6L7Mf0qrg+IPat9ipvg7epnksvVosEtD0ZjCpJIfL3KLn6VXVrtpzWBbLkzEIoZap2mnYMyn6SRh445R/wMLj/njRRnZe5h/LJeUkYnpoqpn4HC4/OlUejaAzC/JSR8vrT9YbRKr5NsDq4E7gT5ea5Z5ITO9+RsPIV1StAiCjY7K59fJfdl2BPkHr0+9/SaKv3R/N66wD9Qj7f7SuvSb133RXFF7rtUjlN8d/xCE1LWfWvymEPhVU8CGH+o71UVDyycuHQvRcJgZUYU2J+hDh/wBistioDG7KeINvyNWrHh7Q4LA1VO+nmdE/UG379uq1mRYLq4wSO025+gqoqpdt+WgXoeBYeKWmBcPWdmfIdnise/E+dXA0Xm7/AGitTkgEUAZttbD/AFEKPzqqqbySlo3D91vsEDaOgbI/+dw+p2R90M6TQaZdXJhf3jY/SpVE+8duCoeU1NzdXzg0eL9oyPkl0Y9cfYPzFFb7vtS8l/jT8p8QiHSbB6kEg4rx9k/kfrUeil2XbB3q55TUPOQioaM269X7HzQXJfXx+f0NTan3Tll8F+Pi6/JW+lPrh7A+bU1Q+7PWrDlT8Y35B4uQepizaVCFI0q5UaRKtNmh/uiezH8h+VVcHxB7Vu8VNsHYOhngFmatFhVpcWOpwgXgWAHvbdvwvVZH/FqNrgtvWD0LBhFo51h2nM/TJLADrsIU4kXA8xuv0ol/h1G0uqAem4O6E5kXHaMx5BBsoxPVyqx4cD5GptRHtxkBZjCKsU1WyQ6aHqP21RHpLgrN1o4HZvPkffUeiluNgq55TYeWvFUwZHI9e49vj1qlkH7wn3v6TT1V7o/m9VmAfqEfb/aV16S+u+6tcUXuu1SOUvxx+UITUtZ9arAzFMGGHEAn/UaqpWh9Tsn8yW/oZ3U+CiVuoBP/AGK7PgknaOYcLAkd/cD5GuBK6Jro1IfQQV8sVaNLXI48O46rrl2M6wyEeiGsPIDj864mi2A0b7KTh1cKp0rx7IdYdQGvbqsciamAH8RAHvNXJOy253LzSNhmlDG/zG3eUf6SyaEjjXlv7lFhUCjG05zytdylkEMEVMzdn2DIKedr1uHSQcRY+5tj+Nq5pjzcxYncbb6Xh0dSNRY9hyP1sqPRj1x9g/MU/W+77VU8l/jT8p8QjOHxQaWWJt97gHuIGof876hPjLY2yBaenrGy1c9JJnw6iBcefagmFwpixSqf5tvFd7Gpz5BJAXLL0tG6kxZkTv6sukZ2Kn0p9aPYHzakofdnrXfKn4xvyDxcg1TFm0qEKRoSJqEq0+d/uy/c+VVdN789q3mOfpbf+PggOWwa5UXkTv5Dc1PmfsMJWRw2n9IqmR7ic+oZlHOkcEjlAiEgAk27ztb8PxqDRvYwEuK1XKOnqahzGRMJaM8uJy/OtLo5DIhdXVgCARcbXG31/Ciscx4BaUcm4Kmnc9krCGmxz4j8+iC5rBoldeV7jyO4qdA/bjBWXxWn9Hq5Gbr3HUcwjmSYkTRGJ97C3mvI+Y/KoNTGYnh7fwrVYJVtrqV1LNmQLdY3do+yG5ZB1eLCHkWH+k2NSJn7dOXdXiqbDKY02LtiO4u/tNk3SX133RRR+67UnKX44/KEKqWs+tLF+4n2T/UarHfFfnBbiL9APUf7ihmEzUpC8e+/onuv6VSpKcOkD1Q0mMPp6N9ONToeF9f26UU6L+rk9r6VFrfbCvuS/wALJ1+SHdHINUwPJQT7+A+dSax+zHbiqbk5Tc7Wh50aCe3QLvnuGlklJVGKgAA2495+JNN0skbI7Ei6lY7SVdTVlzI3FoAANvzeiOUwMYGjkUr6Q37juD+NR6h7RKHtKusJppX4e6mnaRqM+Bz8UL6NKROQeIVgfMEVKrDeIEcVQcmmllc5rtQ0j6hcczmMeJZl4hgfwFxXcLQ+ANKj4nO6nxR8rNQQfoL960DxCUwyryN/ukbj3H61XhxjDoytg+FlY6Crj3G/YR5HzQTpT64ewPm1TaH3Z61l+VPxjfkHiUHqYs2lQhSY0JAmoSrT53+7L9z5VV03vz2reY5+mN/4+Cq9FoLsz9wsPM8fl+NO1z8g1V/JWn2pHzHcLDt18PqoY3PZA7BCNIJA2vw2rqOkYWAu1TVZyiqm1D2xEbINhlwSwWeyGRQ5GkkA7DnRJSMDCW6paLlFVPqGNlI2SQDlxXXpVBuj9/ZPu3H1rihfkW9qf5V09nMmG/1T2ZjzVTo2D1wtwCm/l/7tT1YRzWar+TbXmuBboAb/AJ12VpHBx9x3kfBLH5UyRak/OKnseH4/ccSO5lvJVukvrvuinaP3Sgcpfjj8oQqpaz60kX7j90/1Gqx3xX5wW5i/QT1H+4rNVZrDrTdF/Vv7X0qsrfbC3HJf4WTr8kujiaInkPO//ao/O9FYdqQMH5dLybjEFHJUO337m/vdDj0gm71+FSPQolSnlLXcR3IhkmbvJJpcjcG1hbcf7XpippmsZtNVxgmNz1VRzUxGYyytmP2XSCDTjG7mQt8SL/iDXDn7VMOg2T0FPzONPI0cwu7yL/VBc89fJ5j5Cp1L7oLMY58fJ1jwCIdGMbuYzz3Xz5j6/Go1bF/OFc8mK+zjTOOuY8x596r9Jz9sPYHzNOUXu+1QuU5vWj5R5oRUxZ1KhCehIlQlWszTDs8Cqouezt5Dxqoge1kpLjxXomKUstRh7Y4m3Pq5dnShuEhxUalUWwJv/Dx+NSpHU7zdx8VR0kGMUsZjiZYHP+X7qn+x5v5D8V/OnfSYuKrf8Dr/APTPePuqksZRrHYjxB+VPNcHC4VdLE+B+w/IjpB8ETgnkxR6tmAHpXsOX/uormMpxtgK9gqKrF3ejSPAGt7cP/atzYqLDKUi7Uh4njbxJ+lNNjkndtPyCsZqukwmIxUvrSHU69pOnUB2oHBiWRw4PaF9zvx2Pzqc5jXN2TospBVSwTCZh9YXz69fFPi8U0jam42t3cKI42sFmpaurlqpOcl10XCu1GVwZi4j6u402ta3eb8aZ5hm3t71YjFKgU3o1xsWtp031VOnlXK3g8xeIEIRYm52v4UzJAyQ3crGjxSopGFkRFjnpdS/acnV9XcabWtbl50ejs29veuv8WqfR/R7jYtbTd1qlTyrF0w8xRgy7EcK5e0OGyU9TzvgkEsZsQrpzmXUGuLgEcBwO/0pn0WO1lZHHawyCS4uARoNCqeJnLsWbiePyp5jAxuyFXVFQ+olMsmpUYpCpDA2INxSuaHCxXEUronh7DYjNXc6xAkdXHNB7jvcUxTMLGlp4q0xupbUzMlbvYO/O4Q+pCp0qEJ6EiVCVaZMJmdgRhsQQQCCMO5BHI301DMNP0d6um8oK8Cwf/1H2Q/E5piY2KSXR1NmVkCsD3FSLiuhSwkXA+qP8w1/9Y/+o+y4TZxKwI1WB7gAfiK7bTRA3sm5McrpGFjn5HgAD3jND6fVSnBI4UWShxGhTUJEqEJUIV/CZJiZVDxYeaRDezJE7KbbGzAW41yXtGRIQq+MwUkLaZY3ja19LqUNjwNmF7UocDmEKEEDObIrMbE2UEmwFybDkACaCQNULnSoT0ITUISoQlQhKhCehCVCEqEiahKnoSJ7UIXrXTnA4xsSWhx8UMfUQWjbHLCwtCl/siwIubnhve/OoMBZsC7b9iW6x79CsdLEcU5Vg0BxALygyyxr6xlUnUxUaSe7UveBUjnmA7I42QuWH6D4l4FlBhDPGZkgaVRiJIVBJlSHiVsrEczY2FBmaHWz69yFXyPojiMVF10fViIOyPI7hFj0KJHeQn0UAZd+82rp8rWmx1QmzboniIMTFhuxK8yo0LQtrSVZdkZG22uDx+VDZWuaXcELpn/Q+bCRdaXhmjEnVO0EnWCKUb9XLsNJ4948aRkwcbZjrQumbZDNLmT4WPDpDKzACFH1Rx9gMx6w/wAIW7E8t6GvAj2ibhCEZ1gFglMaTRzhQLyRXKFiLsFYgagDtfnXbXbQvayF6DBhcXJlOW/quJWAA4vVfFLhyxMvZ9Jl12sfK/jUa7RK64vpuvuQSsTn+AxQVMRiXModpI0kMoluYG0uA1z2bnY8Dyp9jm32QhaPoHl8mFx8iSgBxgZnsCCNMkGtNx4MKYqXAsBHEIussMgn04ZtIH60xWEFgC1mCXI/hXU1gTxse6pG23PoQpQ9HcQ82IhVAZMOkryjUvZWD1hBvY28ONBkaADx80J8T0bxEc8OHZB1k4iaMBgQyz26shhtbf3WNAkaQXcPJCu5f0JxUxkAEahJjBqkljjV5wSOqiZjaRtuArkzMHdfTchVsr6J4vEPNHFETJB61CQrL2tBvqPI8e4XPCldK1oBJ1Qiafo5xpdFAhtIqmOTr4uqlL6tKRSarO50N2Vudr8N659IZa/kiyC5b0fnnmeBVCvGHMutlRYljNpGkdiAoB2ua7dI0C/FChnmSy4SQJMF7SK6MjK6PG/ovG6khlNjuO40rXhwuEIfXSE1CE4oSJzSoWv/AEq/9Qb/APRhf/BHUal90O1CK5vnr4X9Q0p1mvJuqC3IscQZkLAb3Oy7c7CkYza2vmv3WQdEe6NZdK2Z4KTEHDwSQ4Xqf1YzB52VIJFDNGoshIa5ViCBemJXjm3AXNze9stUrRoFj48WydHyimyy5kQ/iqQowU+GoKfcKk7N57/7fNF8loct/f8Ao9/9aL/yS02fYk6z4BJv7lhIc8KYTFYXRfr5Yn139Hqi+2m299XHwqQWXcHcLoC3OZY6OPpBi0mbRHiEbDmT/D6+FFV/c2kHwJqMGkwAjdmlK85zfLJMLNJBMumSNirDxHMHmCLEHuIqUxwcLhC0HST/AKXlPljP/MKbZ7x/Z4IT5/8A9Jyz28Z/WlDPeP7Eh1C3GU4ZXzuRHOgNlaKWP8AOFiBY+QJqNKf4OXHzSgIL0piU5plcsBJwkgwgw1xbRHG6o0R56g1yfFqciP8ADcDrndBUshN80zr/AOtmX9VEnu2dbUo3on0bTrUyvMGA04PC4sS7cDg9RgBtubiRD7jTchsXsG8j66pFm8JgsRicJgxIY8OiYiaYT4iZYxO0piP2aHtsQUPaAI340/tNa42z0yAvxSHRH8c5XE9JCu32RHuaRQ3xBPxpn+WLrXR3oZh5T1fRtbm3XObcr/rlr/AV272peoeCQbk7xTNis9SKEMks00bzPIkUcP8AeC92eQgG+n0Qb0ZbMZJ03diDqqf6SMJ1WEylNSORhpAXjYOhtJfsuOI3NLTm7nnpSlYKpSRNQhOKEiehC1X6TcyixGYSSwuJEMcIDC9iViRWG/cQRTNO0tYAUp1VjH55CuIyiYESrhsNhRKo4hopZHdN/wCKxHhuKRrDZ44k+CFouiiYHCZi2LnzGKYP1xhKiXWGlV7vidSgIdLFbXa7N4U1Ltuj2Q22n4EotdY9sdH+yFh1jrRj3k0c+rMKqH8rgipFjzt91vNco1h8+gjxuTSmQGPD4eBZSLnq2DylwR3gMpNqb2HbDxxJ8ku9UM7yTC4XCy654J8RJOvUGCTrNMC6i7yWNl1XUWIvtXTJHPcMiB0pNFa6S5b+0s1xT4aSLqQUZ53dViRNCguzHjuCLC5rhjubjAdrwSoP09zaPE4x3hLNGiRxK7elIIUWPrT7RUnfexF6dhaWtzQuvSLHxvl+WRo4Z4lxIkUcU1yArfzG9IxpD3HjbwSBFcLDhsVlmESTFxQHCSzmZHJ6xo5WVwYEAPWNta22/GmiXskNm3vb8KUoxiukOFOb4qdZVEL5e0aNy1mBEEew43FvdTfNP5kNtnfzRdA+jGcwnBxx4hwj4LGQ4iAnctFI4/WYkFuWlXtzp6Rh27t3ix8kLSYcYLC4nNJ2xsEhxWHxfUCN9VhMC1pTayuWKqE47Me67JL3NYNk5EfRLvQHIc1aHIMenBZsTFEh/wAzKHmH/ZEvxp17bzt6AkvkrOMiwuKnw2NfFwJho4sOGw5YmeP9XVQ2Hjgt2lLKbNe1mJPjyNpoLADfPPr33SJ8yzuDr8+YSqRiEtCQb9YesU9g89hegRuLY8tEpKG4bM4R+wryL9g5M3/4x+ttJ2+7s9rypxzT6/T9kBFM+eHMEmihxWHhKZjjJmE8gjSZJ2+xmR+DFVDC3GzbU2y8diQTkBl0ao1Q39IuNwzQZdDhZhMMPA8bsAR2tQu1jwDEMR4WruBrg5xcLXQVh6kITUIT0JEqEJUISFCErUISoSpWoQmoQlQhKhCVCE9qEJqEJUISoQjmMztWwGHwiIQY5ZZZGP8AG76VTT3WUWNNhh2y48LIQSnEJXoSJzQhNQhI0ITUJU9CE4oSJNQgJUITUIT0qE1IhPSoTEUiEqEqVqEJWoSJqEqVCEqEJUIT0ISoQlQhPelSJUISoQmNIhKhKv/Zdata:image/jpeg;base64,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
1. Demokracija je u defenzivi 
 
Francis Fukuyama je 1992. objavio knjigu "Kraj povijesti i posljednji čovjek", tvrdeći da su kapitalizam i demokracija dobili bitku ideja. I sve do sredine 2000-ih činilo se kao da povijest  to potvrđuje - postotak demokracija u svijetu se povećavao i povećavao. Nakon toga je prestao rasti. Od 2007. godine, trust mozgova Freedom House izvijestio je da je broj "slobodnih zemalja" u svijetu pao. U zemljama srednjeg dohotka, kao što su Turska, Mađarska, Tajland i Rusija, fuzija kvazi-kapitalizma i autoritarnosti se povećala na štetu vrijednosti za koje se zalagao Zapad za vrijeme Hladnog rata. U međuvremenu, u bogatim zemljama poput SAD-a i Japana, došlo je do zabrinjavajućeg povećanja moći izvršne vlasti i tajnovitosti vlada.
 
2. Prihodi kućanstava i dalje padaju u bogatim zemljama
 
Prosječni prihod kućanstava nije savršena mjera životnog standarda. Veličina domaćinstva se smanjuje jer ljudi imaju manje djece, i sve se manje ljudi vjenčava. Također, napredak tehnologije je poboljšao život na načine koji službeni pokazatelji ne prepoznaju, jer ova poboljšanja nisu uračunata u službenim stopama inflacije. Konačno, priliv niskokvalificiranih imigranata mijenja sastav radne snage. Ali čak i tako, zabrinjavajući je znak da prosječni dohodak kućanstva u SAD-u pada od kasnih 1990-ih. Poboljšanje američkog životnog standarda vjerojatno će se nastaviti, ali mnogo sporijim tempom nego u XX. stoljeću. U međuvremenu, u Japanu i velikom dijelu Europe, situacija je još gora.
 
3. Stopa otvaranja novih tvrtki pada
 
U značajnom dokumentu iz 2014., ekonomisti Ryan Decker, John Haltiwanger, Ron Jarmin i Javier Miranda pokazali su da je došlo do ozbiljnog pada poslovne dinamike u SAD-u. Jednostavno rečeno, Amerikanci sve manje i manje osnivaju tvrtke. Do otprilike 2000. godine, pad je uglavnom bio uzrokovan smanjenjem malih obiteljskih trgovina, potaknut širenjem lanaca trgovina i koncesija. No, u posljednjih 15 godina, broj tvrtki nove tehnologije i visokog rasta je u opadanju. To može biti samo loše za američko gospodarstvo. Treba vidjeti je li to posljedica povećane regulacije ili prirodni rezultat tehnološkog usporavanja.
http://www.econ.umd.edu/images/profiles/john-haltiwanger.jpghttp://econweb.umd.edu/~decker/profile_photo.jpg
John Haltiwanger i Ryan Decker
 
4. Nejednakost bogatstva je u porastu
 
Nakon objavljivanja knjige Thomasa Pikettyja "Kapital u XXI. stoljeću", sve više i više  pozornosti se usmjeravalo na spektakularno povećanje nejednakosti bogatstva. Zašto nam je stalo do nejednakosti bogatstva? Mnogi ekonomisti i pisci su dali razloge zašto bi se trebalo bojati tog trenda, ali ja se ne mogu oteti dojmu da je profesor financija sa Sveučilišta u Chicagu i bloger John Cochrane u pravu kada kaže da se radi o političkoj moći. Većina boraca protiv nejednakosti došla je do pravog problema kako ga oni vide: novca i politike. Oni misle da novac kvari politiku, te žele oduzeti novac kako bi pročistili politiku. Ekonomist s Berkeleya Emmanuel Saez napisao je za svoje predavanje Arrow 2013. na Sveučilištu Stanford: "Oni koji imaju najviše prihode su važni, jer povećanje najvećih prihoda daje onima koji najviše zarađuju više sposobnosti da utječu na politički proces." Kritika onih koji zarađuju kroz rentu i politički favoriziranih je dobro primljena, a odjekuje s ljevice do liberala. Bilo da je to razlog za strah od nejednakosti bogatstva, ovaj trend je za većinu ljudi jednostavno uznemirujući. Čini se da on signalizira da nešto nije dobro u našem gospodarstvu, čak i ako ne znamo što je to nešto.
 
5. Pretilost i dalje raste
 
Epidemija pretilosti je postala globalna. Stope i dalje rastu u bogatim i siromašnim zemljama podjednako, a do 2030. godine predviđa se da će biti više od milijardu pretilih ljudi na planetu. Pretilost uzrokuje ogromne troškove liječenja, ali osim toga, popularnost prehrane i vježbanja pokazuje da većina ljudi ne voli biti pretilo. Još nije jasno tko ili što ima moć da zaustavi nemilosrdan porast pretjerane pretilosti.
 
6. Ospice i hripavac se vraćaju
 
U SAD-u, pokret protiv cijepljenja nastavlja širiti svoju sumnjivu pseudoznanost, i pobjeđuje. Stope cijepljenja su pale, a kao predvidljiv rezultat toga, bolesti koje se mogu spriječiti se sve više vraćaju. Kao što Sarah Mimms iz National Journala izvješćuje, od ospica, koje uopće nisu nestale do 2000. godine, sada je najveći broj oboljelih u posljednjih 20 godina, 15 odvojenih epidemija buknulo je samo u prvih pet mjeseci 2014. godine, a broj oboljelih od hripavca se povećao za 24 posto. To je slučaj kada je bogata, samodopadna kultura sama sebi pucala u nogu - osim što djeca pate zbog gluposti odraslih.
 
7. Bakterije otporne na antibiotike su u porastu
 
Ostavio sam najviše zabrinjavajući trend za kraj. Izum antibiotika oslobodio je čovječanstvo  mnogih pošasti od zaraznih bolesti. On je također omogućio široko rasprostranjene operacije. Ne bi bilo pretjerano reći da cijeli naš zdravstveni sustav ovisi o tom jednom čudu tehnologije. A ta tehnologija gubi djelotvornost. Zbog pretjerane upotrebe antibiotika od strane liječnika i agrobiznisa, otpornost na  antibiotike raste. Centri za kontrolu i prevenciju bolesti rade na tome, ali do sada je vrlo malo toga učinjeno da se spriječi pretjerano izdavanje recepata. Na poljoprivrednoj fronti ostvaren je mali napredak - nekoliko tvrtki je poslušalo poziv da  dobrovoljno prestanu šopati svoje životinje antibioticima, a nadamo se da će novi propisi Uprave za hranu i lijekove pomoći.
 
Opet, dopustite mi da ponovim, ti negativni trendovi nisu razlozi za sumnju da će svijet postati neuspješan, ili da suvremena civilizacija nije uspjela. Sve u svemu, većina globalnih trendova je pozitivno, a suvremena civilizacija i dalje je vrlo uspješna. No, u svakom trenutku će biti i negativnih i pozitivnih trendova u svijetu, a mi moramo usredotočiti pozornost i trud na zaustavljanje negativnih trendova, jer će se oni neizbježno pojaviti. Svijet ne može postati bolji automatski - to zahtijeva stalan trud svih nas.
 

Noah Smith, Bloomberg, SAD

Anketa

Izjavom da je ona autor "lex Agrokora", koga štiti Martina Dalić?

Četvrtak, 22/02/2018

Tko je Online?

Trenutačno aktivnih gostiju: 920 gostiju i nema članova online

 

AIPK Trgovine d.o.o.

 

Registar Branitelja

 

Udruga Zavjet

 

 

Grawe osiguranje

 

 

 

Veliko srce malom srcu

 

Facebook

 

 

Optika Kraljević