goeasy

-55.15%

More reviews (1)

Live  

goeasy is a Canadian financial services company that provides alternative financial services, including leasing, lending, and credit products. The company was founded in 1990 and is headquartered in Mississauga, Ontario. Its main business segments include EasyFinancial, which provides loans to individuals who have difficulty obtaining credit from traditional sources, and EasyHome, which offers furniture, electronics, and household appliances on a rent-to-own basis. goeasy operates over 400 locations across Canada under the Easyfinancial and Easyhome brands. The company is listed on the Toronto Stock Exchange under the ticker GSY.

goeasy is a company that helps people get loans, which are like borrowing money that you promise to pay back later. Imagine you want to buy a video game but don’t have enough money right now. goeasy can lend you the money you need, and then you pay them back little by little over time.
The way goeasy makes money is by charging a small fee or interest on the money they lend. This is similar to when you borrow a toy from a friend and they say that you can use it for a week, but you have to give them a cookie when you return it. The cookie is like the extra money that goeseasy gets for letting you borrow the money.
goeasy is successful because they help many people, especially those who might not get loans from big banks. They are friendly and understand that people sometimes just need a little help. Also, they offer other services like helping people build their credit scores, which makes it easier to borrow money in the future.
In the future, goeasy will likely continue to do well because a lot of people will always need help with money. They also use technology, like apps, to make it easy for people to apply for loans and see their payments. As they keep improving and reaching more customers, their business will grow even bigger!

MS4gRGl2ZX JzaWZpZWQg ZmluYW5jaW FsIHNlcnZp Y2VzOiBnb2 Vhc3kgb2Zm ZXJzIGEgd2 lkZSByYW5n ZSBvZiBmaW 5hbmNpYWwg c2VydmljZX MgdG8gaXRz IGN1c3RvbW VycywgaW5j bHVkaW5nIH BlcnNvbmFs IGxvYW5zLC Btb3J0Z2Fn ZXMsIGFuZC BvdGhlciBj cmVkaXQgcH JvZHVjdHMu IFRoaXMgZG l2ZXJzaWZp Y2F0aW9uIG hlbHBzIHRo ZSBjb21wYW 55IHRvIG1p dGlnYXRlIH Jpc2tzIGFu ZCBjcmVhdG Ugc3RhYmxl IHJldmVudW Ugc3RyZWFt cy48YnI+Mi 4gU3Ryb25n IGdyb3d0aC B0cmFjayBy ZWNvcmQ6IF RoZSBjb21w YW55IGhhcy Bjb25zaXN0 ZW50bHkgZG VsaXZlcmVk IHN0cm9uZy BmaW5hbmNp YWwgcmVzdW x0cyBhbmQg aGFzIHNob3 duIGEgc2ln bmlmaWNhbn QgaW5jcmVh c2UgaW4gcm V2ZW51ZSwg cHJvZml0YW JpbGl0eSwg YW5kIGN1c3 RvbWVyIGJh c2Ugb3Zlci B0aGUgeWVh cnMuPGJyPj MuIEZvY3Vz IG9uIHVuZG VyLXNlcnZl ZCBtYXJrZX RzOiBnb2Vh c3kgZm9jdX NlcyBvbiBz ZXJ2aW5nIH VuZGVyLXNl cnZlZCBtYX JrZXRzIHN1 Y2ggYXMgbm 9uLXByaW1l IGJvcnJvd2 VycywgaW1t aWdyYW50cy wgYW5kIHNl bGYtZW1wbG 95ZWQgaW5k aXZpZHVhbH Mgd2hvIGZh Y2UgZGlmZm ljdWx0aWVz IGluIGFjY2 Vzc2luZyBj cmVkaXQgZn JvbSB0cmFk aXRpb25hbC BmaW5hbmNp YWwgaW5zdG l0dXRpb25z Ljxicj40Li BJbm5vdmF0 aXZlIHRlY2 hub2xvZ3k6 IGdvZWFzeS BoYXMgaW52 ZXN0ZWQgaW 4gZGV2ZWxv cGluZyB0ZW Nobm9sb2d5 LWRyaXZlbi BwbGF0Zm9y bXMsIHN1Y2 ggYXMgb25s aW5lIGxvYW 4gb3JpZ2lu YXRpb24gYW 5kIGF1dG9t YXRlZCBjcm VkaXQgZGVj aXNpb25zLC B0byBzdHJl YW1saW5lIH Byb2Nlc3Nl cyBhbmQgZW 5oYW5jZSBj dXN0b21lci BleHBlcmll bmNlLjxicj 41LiBDdXN0 b21lci1jZW 50cmljIGFw cHJvYWNoOi BUaGUgY29t cGFueSBwdX RzIGl0cyBj dXN0b21lcn MgYXQgdGhl IGNlbnRlci BvZiBpdHMg YnVzaW5lc3 MsIG9mZmVy aW5nIHBlcn NvbmFsaXpl ZCBmaW5hbm NpYWwgc29s dXRpb25zIG FuZCBwcm92 aWRpbmcgZX hjZWxsZW50 IGN1c3RvbW VyIHNlcnZp Y2UuPGJyPj YuIFN0cm9u ZyBjb3Jwb3 JhdGUgc29j aWFsIHJlc3 BvbnNpYmls aXR5OiBnb2 Vhc3kgaXMg Y29tbWl0dG VkIHRvIG1h a2luZyBhIH Bvc2l0aXZl IGltcGFjdC BpbiB0aGUg Y29tbXVuaX RpZXMgaXQg c2VydmVzIH Rocm91Z2gg dmFyaW91cy BjaGFyaXRh YmxlIGluaX RpYXRpdmVz IGFuZCBjb2 1tdW5pdHkt YmFzZWQgcG FydG5lcnNo aXBzLjxicj 43LiBFeHBl cmllbmNlZC BtYW5hZ2Vt ZW50IHRlYW 06IGdvZWFz eSBoYXMgYS BoaWdobHkg ZXhwZXJpZW 5jZWQgYW5k IHNraWxsZW QgbWFuYWdl bWVudCB0ZW FtIHdpdGgg YSBwcm92ZW 4gdHJhY2sg cmVjb3JkIG luIHRoZSBm aW5hbmNpYW wgc2Vydmlj ZXMgaW5kdX N0cnkuPGJy PjguIFN0cm 9uZyBmaW5h bmNpYWwgcG 9zaXRpb246 IFRoZSBjb2 1wYW55IGhh cyBhIHNvbG lkIGJhbGFu Y2Ugc2hlZX QgYW5kIHN0 cm9uZyBjYX NoIGZsb3dz LCBwcm92aW RpbmcgaXQg d2l0aCB0aG UgZmluYW5j aWFsIGZsZX hpYmlsaXR5 IHRvIHB1cn N1ZSBncm93 dGggb3Bwb3 J0dW5pdGll cyBhbmQgd2 l0aHN0YW5k IG1hcmtldC Bkb3dudHVy bnMuPGJyPj kuIEF3YXJk cyBhbmQgcm Vjb2duaXRp b246IGdvZW FzeSBoYXMg cmVjZWl2ZW QgbnVtZXJv dXMgaW5kdX N0cnkgYXdh cmRzIGFuZC ByZWNvZ25p dGlvbiBmb3 IgaXRzIGZp bmFuY2lhbC BwZXJmb3Jt YW5jZSwgaW 5ub3ZhdGlv biwgYW5kIG NvbW1pdG1l bnQgdG8gY2 9ycG9yYXRl IHNvY2lhbC ByZXNwb25z aWJpbGl0eS 48YnI+MTAu IFN0cm9uZy BicmFuZCBy ZXB1dGF0aW 9uOiBnb2Vh c3kgaGFzIG Egc3Ryb25n IGJyYW5kIH JlcHV0YXRp b24gYW5kIG lzIGtub3du IGZvciBpdH MgZXRoaWNh bCBwcmFjdG ljZXMsIHRy YW5zcGFyZW 5jeSwgYW5k IGNvbW1pdG 1lbnQgdG8g Y3VzdG9tZX Igc2F0aXNm YWN0aW9uLg ==

Z29lYXN5IE x0ZC4gaXMg YSBDYW5hZG lhbiBmaW5h bmNpYWwgc2 VydmljZXMg Y29tcGFueS B0aGF0IHBy aW1hcmlseS Bwcm92aWRl cyBsb2Fucy BhbmQgb3Ro ZXIgZmluYW 5jaWFsIHBy b2R1Y3RzIH RvIGluZGl2 aWR1YWxzIH dobyBtYXkg bm90IGhhdm UgYWNjZXNz IHRvIHRyYW RpdGlvbmFs IGJhbmsgbG 9hbnMuIEl0 cyBidXNpbm VzcyBtb2Rl bCBpcyBiYX NlZCBvbiB0 aGUgY29uY2 VwdCBvZiBw cm92aWRpbm cgYWNjZXNz aWJsZSBhbm QgcmVzcG9u c2libGUgbG VuZGluZyB0 byBpbmRpdm lkdWFscyB3 aXRoIHN1Yn ByaW1lIGNy ZWRpdCwgbW VhbmluZyB0 aG9zZSB3aX RoIGEgY3Jl ZGl0IHNjb3 JlIGJlbG93 IDYwMC4gVG hlIGNvbXBh bnkgb3Blcm F0ZXMgdGhy b3VnaCB0d2 8gbWFpbiBi dXNpbmVzcy BzZWdtZW50 czogZWFzeW ZpbmFuY2lh bCBhbmQgZW FzeWhvbWUu IDxicj5lYX N5ZmluYW5j aWFsIG9mZm VycyB1bnNl Y3VyZWQgaW 5zdGFsbG1l bnQgbG9hbn MsIHNlY3Vy ZWQgaW5zdG FsbG1lbnQg bG9hbnMsIG FuZCBzZWN1 cmVkIGxpbm Ugb2YgY3Jl ZGl0IGxvYW 5zIHRvIGl0 cyBjdXN0b2 1lcnMuIFRo ZXNlIGxvYW 5zIGFyZSB1 c3VhbGx5IG 9mZmVyZWQg YXQgaGlnaG VyIGludGVy ZXN0IHJhdG VzIGNvbXBh cmVkIHRvIH RyYWRpdGlv bmFsIGJhbm tzIGR1ZSB0 byB0aGUgcG VyY2VpdmVk IGhpZ2hlci ByaXNrIG9m IGxlbmRpbm cgdG8gc3Vi cHJpbWUgYm 9ycm93ZXJz LiBIb3dldm VyLCB0aGUg Y29tcGFueS B1c2VzIGEg cHJvcHJpZX Rhcnkgcmlz ayBhc3Nlc3 NtZW50IG1v ZGVsIHRvIG RldGVybWlu ZSB0aGUgY3 JlZGl0d29y dGhpbmVzcy BvZiBpdHMg Y3VzdG9tZX JzLCB3aGlj aCB0YWtlcy BpbnRvIGFj Y291bnQgZm FjdG9ycyBz dWNoIGFzIG VtcGxveW1l bnQgc3RhYm lsaXR5LCBp bmNvbWUgbG V2ZWxzLCBh bmQgb3Zlcm FsbCBmaW5h bmNpYWwgaG VhbHRoIHJh dGhlciB0aG FuIGp1c3Qg Y3JlZGl0IH Njb3JlLiBU aGlzIGFsbG 93cyBnb2Vh c3kgdG8gcG 90ZW50aWFs bHkgb2ZmZX IgbG9hbnMg dG8gaW5kaX ZpZHVhbHMg d2hvIG1heS Bub3QgcXVh bGlmeSBmb3 IgdHJhZGl0 aW9uYWwgYm FuayBsb2Fu cywgcHJvdm lkaW5nIHRo ZW0gd2l0aC BhY2Nlc3Mg dG8gY3JlZG l0IGFuZCBm aW5hbmNpYW wgc3RhYmls aXR5Ljxicj 5UaGUgZWFz eWhvbWUgc2 VnbWVudCBv ZmZlcnMgYS B2YXJpZXR5 IG9mIGhvdX NlaG9sZCBm dXJuaXR1cm UgYW5kIGFw cGxpYW5jZX Mgb24gYSBy ZW50LXRvLW 93biBiYXNp cy4gQ3VzdG 9tZXJzIGNh biBjaG9vc2 UgdG8gbWFr ZSB3ZWVrbH kgb3IgYmkt d2Vla2x5IH BheW1lbnRz IHVudGlsIH RoZSB0b3Rh bCBjb3N0IG 9mIHRoZSBw cm9kdWN0IG lzIHJlYWNo ZWQsIGF0IH doaWNoIHBv aW50IHRoZX kgb3duIHRo ZSBpdGVtLi BUaGlzIG9w dGlvbiBpcy Bwb3B1bGFy IGFtb25nIG luZGl2aWR1 YWxzIHdoby BtYXkgbm90 IGhhdmUgdG hlIHVwZnJv bnQgZnVuZH MgdG8gcHVy Y2hhc2UgdG hlc2UgaXRl bXMgb3V0cm lnaHQsIG1h a2luZyBpdC BhIG1vcmUg YWNjZXNzaW JsZSBvcHRp b24gZm9yIH RoZW0uPGJy PkluIGFkZG l0aW9uIHRv IGxvYW5zIG FuZCByZW50 LXRvLW93bi Bwcm9kdWN0 cywgZ29lYX N5IGFsc28g b2ZmZXJzIG 90aGVyIGZp bmFuY2lhbC BzZXJ2aWNl cyBzdWNoIG FzIGluc3Vy YW5jZSBhbm Qgb25saW5l IG1vbmV5IH RyYW5zZmVy cy4gVGhlIG NvbXBhbnkg dXNlcyBhIG NvbWJpbmF0 aW9uIG9mIG luLXN0b3Jl IGFuZCBvbm xpbmUgY2hh bm5lbHMgdG 8gbWFya2V0 IGFuZCBzZW xsIGl0cyBw cm9kdWN0cy wgbWFraW5n IGl0IGNvbn ZlbmllbnQg Zm9yIGN1c3 RvbWVycyB0 byBhY2Nlc3 MgdGhlaXIg c2VydmljZX MuPGJyPk92 ZXJhbGwsIG dvZWFzeSdz IGJ1c2luZX NzIG1vZGVs IGlzIGZvY3 VzZWQgb24g cHJvdmlkaW 5nIGVhc3kg YW5kIGFjY2 Vzc2libGUg ZmluYW5jaW FsIHNvbHV0 aW9ucyB0by BpbmRpdmlk dWFscyB3aG 8gbWF5IG5v dCBoYXZlIG FjY2VzcyB0 byB0cmFkaX Rpb25hbCBi YW5raW5nIH NlcnZpY2Vz LiBCeSB1c2 luZyBhIHJp c2sgYXNzZX NzbWVudCBt b2RlbCBhbm Qgb2ZmZXJp bmcgYSB2YX JpZXR5IG9m IHByb2R1Y3 Qgb3B0aW9u cywgdGhlIG NvbXBhbnkg YWltcyB0by Bwcm92aWRl IHJlc3Bvbn NpYmxlIGFu ZCBzdXN0YW luYWJsZSBs ZW5kaW5nIH RvIGl0cyBj dXN0b21lcn MuIFRoaXMg bW9kZWwgaG FzIHByb3Zl biB0byBiZS BzdWNjZXNz ZnVsLCBhcy Bnb2Vhc3kg aGFzIGV4cG VyaWVuY2Vk IHNpZ25pZm ljYW50IGdy b3d0aCBhbm QgcHJvZml0 YWJpbGl0eS BpbiByZWNl bnQgeWVhcn Mu

To assess whether AI poses a material threat to goeasy’s products, services, or competitive positioning, we need to analyze several factors, including substitution, disintermediation, and margin pressure.
1. Substitution: AI has the potential to create alternative solutions for financial services that goeasy provides. For instance, AI-driven fintech companies can offer quick loans, automated financial planning, and personalized financial advice. If these AI solutions gain traction and consumer trust, they could potentially substitute traditional offerings from goeasy. However, goeasy’s established customer relationships, brand recognition, and tailored services may mitigate this risk to some extent.
2. Disintermediation: AI technologies can streamline processes by removing intermediaries between borrowers and lenders. Peer-to-peer lending platforms using AI for credit scoring and risk assessment might bypass traditional institutions. This could threaten goeasy if customers opt for direct interactions with technology-driven alternatives. The company might need to adapt its business model to incorporate AI-driven innovations to remain competitive.
3. Margin Pressure: The integration of AI can lead to increased operational efficiency and cost reductions, which might pressure goeasy to lower prices to remain competitive. If competitors successfully leverage AI for better service delivery at lower costs, goeasy could face challenges in maintaining its margins. The company would need to invest in AI technologies to enhance its own efficiency and service offerings, balancing the costs of these investments against potential margin erosion.
Overall, AI presents potential threats to goeasy, but the degree of impact would depend on the company’s ability to adapt and leverage these technologies for its own strategic advantage. Proactive integration of AI in their services and operations could mitigate these threats and enhance their competitive positioning.

The sensitivity of goeasy’s earnings, cash flow, and valuation to changes in interest rates can be assessed from several angles.
1. Earnings Sensitivity: goeasy’s business model, which involves providing personal loans and other financial services, is directly impacted by interest rate movements. If interest rates rise, the cost of borrowing for consumers may increase, potentially reducing the demand for loans. Higher rates could also lead to increased defaults, particularly if consumers face higher monthly payments on variable-rate debts. Conversely, if interest rates fall, the company could see an increase in demand as borrowing costs decrease, leading to potentially higher earnings.
2. Cash Flow Sensitivity: Cash flow can be affected similarly to earnings. An increase in interest rates may lead to reduced loan origination and higher default rates, adversely impacting cash flows. This could hinder the company’s ability to reinvest profits into growth or pay dividends. On the other hand, lower interest rates can boost cash flows as default rates may decrease, and more consumers may seek loans.
3. Valuation Sensitivity: The valuation of goeasy is likely affected by changes in interest rates due to their influence on earnings and cash flow. Valuation models, such as discounted cash flow (DCF), incorporate future cash flows and the cost of capital. When interest rates increase, the required return on investment rises, leading to a higher discount rate, which can lower the present value of future cash flows and, therefore, the overall valuation. Conversely, lower interest rates can reduce the discount rate, resulting in a higher present value and boosted valuation.
In summary, goeasy’s financial performance is sensitive to interest rate fluctuations. Higher rates can squeeze earnings and cash flow, reducing demand for loans and profitability, while lower rates may stimulate growth and enhance valuations. The overall impact depends on the broader economic environment and how consumers respond to shifting interest costs.

CiAgICAgIC AgICAgIDxk aXYgc3R5bG U9J3dpZHRo OiAxMDAlOy BkaXNwbGF5 OiBmbGV4Oy BqdXN0aWZ5 LWNvbnRlbn Q6IGNlbnRl cjsnPgogIC AgICAgICAg ICAgICAgPG RpdiBzdHls ZT0nCiAgIC AgICAgICAg ICAgICAgIC AgZGlzcGxh eTogZmxleD sKICAgICAg ICAgICAgIC AgICAgICBh bGlnbi1pdG VtczogY2Vu dGVyOwogIC AgICAgICAg ICAgICAgIC AgIGJhY2tn cm91bmQtY2 9sb3I6ICNm MGY0Zjg7Ci AgICAgICAg ICAgICAgIC AgICAgYm9y ZGVyOiAxcH ggc29saWQg I2QxZTNmMD sKICAgICAg ICAgICAgIC AgICAgICBi b3JkZXItcm FkaXVzOiAx MHB4OwogIC AgICAgICAg ICAgICAgIC AgIHBhZGRp bmc6IDEwcH g7CiAgICAg ICAgICAgIC AgICAgICAg bWFyZ2luOi AyMHB4IDA7 CiAgICAgIC AgICAgICAg ICAgICAgZm 9udC1mYW1p bHk6ICJTZW dvZSBVSSIs IFJvYm90by wgc2Fucy1z ZXJpZjsKIC AgICAgICAg ICAgICAgIC AgICBib3gt c2hhZG93Oi AwIDJweCA2 cHggcmdiYS gwLCAwLCAw LCAwLjA1KT sKICAgICAg ICAgICAgIC AgICAgICBt YXgtd2lkdG g6IDkwMHB4 OwogICAgIC AgICAgICAg ICAgICAgIH dpZHRoOiAx MDAlOyc+Cg ogICAgICAg ICAgICAgIC AgICAgIDxp bWcgc3JjPS Jhc3NldHMv bG9nb3MvST U5YWM0ZWdj M0lncjhuVW 5jdmMud2Vi cCIgYWx0PS Jnb2Vhc3ki IHRpdGxlPS Jnb2Vhc3ki ICBjbGFzcz 0iaW1nLWZs dWlkIiBoZW lnaHQ9OTAg d2lkdGg9OT AgbG9hZGlu Zz0nbGF6eS cgc3R5bGU9 J2JvcmRlci 1yYWRpdXM6 IDZweDsnPg oKICAgICAg ICAgICAgIC AgICAgICA8 ZGl2IHN0eW xlPSdmbGV4 OiAxOyB0ZX h0LWFsaWdu OiBjZW50ZX I7IG1hcmdp bi1sZWZ0Oi A1cHg7Jz4K ICAgICAgIC AgICAgICAg ICAgICAgIC AgPHAgc3R5 bGU9J2Zvbn Qtc2l6ZTog MjZweDsgY2 9sb3I6ICMz MzM7IG1hcm dpbi1ib3R0 b206IDE1cH g7Jz4KICAg ICAgICAgIC AgICAgICAg ICAgICAgIC AgIPCfk4gg V2FudCB0by ByZWFkIG1v cmUgYWJvdX QgZ29lYXN5 PwogICAgIC AgICAgICAg ICAgICAgIC AgICA8L3A+ CgogICAgIC AgICAgICAg ICAgICAgIC AgICA8YSBo cmVmPSdpbm RleC5waHA/ cGFnZT1zaW dudXAnIHN0 eWxlPScKIC AgICAgICAg ICAgICAgIC AgICAgICAg ICAgIGJhY2 tncm91bmQt Y29sb3I6IC MwMDdCRkY7 CiAgICAgIC AgICAgICAg ICAgICAgIC AgICAgICBj b2xvcjogI2 ZmZjsKICAg ICAgICAgIC AgICAgICAg ICAgICAgIC AgIHBhZGRp bmc6IDEwcH ggMjBweDsK ICAgICAgIC AgICAgICAg ICAgICAgIC AgICAgIGJv cmRlci1yYW RpdXM6IDVw eDsKICAgIC AgICAgICAg ICAgICAgIC AgICAgICAg IHRleHQtZG Vjb3JhdGlv bjogbm9uZT sKICAgICAg ICAgICAgIC AgICAgICAg ICAgICAgIG ZvbnQtd2Vp Z2h0OiBib2 xkOwogICAg ICAgICAgIC AgICAgICAg ICAgICAgIC AgbWFyZ2lu LXJpZ2h0Oi AxMHB4Owog ICAgICAgIC AgICAgICAg ICAgICAgIC AgICAgdHJh bnNpdGlvbj ogYmFja2dy b3VuZC1jb2 xvciAwLjNz IGVhc2U7Jw ogICAgICAg ICAgICAgIC AgICAgICAg ICAgICAgb2 5tb3VzZW92 ZXI9J3RoaX Muc3R5bGUu YmFja2dyb3 VuZENvbG9y PSIjMDA1Nm IzIicKICAg ICAgICAgIC AgICAgICAg ICAgICAgIC AgIG9ubW91 c2VvdXQ9J3 RoaXMuc3R5 bGUuYmFja2 dyb3VuZENv bG9yPSIjMD A3QkZGIic+ CiAgICAgIC AgICAgICAg ICAgICAgIC AgICAgICBT aWduIHVwIG ZvciBmcmVl CiAgICAgIC AgICAgICAg ICAgICAgIC AgIDwvYT4K CiAgICAgIC AgICAgICAg ICAgICAgIC AgIDxzcGFu IHN0eWxlPS dtYXJnaW46 IDAgOHB4Oy Bjb2xvcjog IzU1NTsnPm 9yPC9zcGFu PgoKICAgIC AgICAgICAg ICAgICAgIC AgICAgPGEg aHJlZj0naW 5kZXgucGhw P3BhZ2U9bG 9naW4nIHN0 eWxlPScKIC AgICAgICAg ICAgICAgIC AgICAgICAg ICAgIGNvbG 9yOiAjMDA3 QkZGOwogIC AgICAgICAg ICAgICAgIC AgICAgICAg ICAgdGV4dC 1kZWNvcmF0 aW9uOiB1bm RlcmxpbmU7 CiAgICAgIC AgICAgICAg ICAgICAgIC AgICAgICBm b250LXdlaW dodDogNTAw Oyc+CiAgIC AgICAgICAg ICAgICAgIC AgICAgICAg ICBsb2cgaW 4KICAgICAg ICAgICAgIC AgICAgICAg ICAgPC9hPg oKCiAgICAg ICAgICAgIC AgICAgICAg ICAgIDxwIH N0eWxlPSdt YXJnaW4tdG 9wOiAxNXB4 OyBmb250LX NpemU6IDEz cHg7IGZvbn Qtd2VpZ2h0 OiBib2xkOy Bjb2xvcjog I2QzMmYyZj snPgogICAg ICAgICAgIC AgICAgICAg ICAgICAgIC Ag8J+ZjCBK b2luIG5vdy B0byBnZXQg PGk+IlRoZS BDaGVja2xp c3QgVmFsdW UgSW52ZXN0 b3Ig4oCUIE EgU21hcnRl ciBXYXkgdG 8gUGljayBT dG9ja3MiPC 9pPiBhdCBu byBjb3N0Ci AgICAgICAg ICAgICAgIC AgICAgICAg IDwvcD4KCi AgICAgICAg ICAgICAgIC AgICAgICAg IDwhLS0KIC AgICAgICAg ICAgICAgIC AgICAgICAg PGRpdiBzdH lsZT0nbWFy Z2luLXRvcD ogMTJweDsg Zm9udC1zaX plOiAxM3B4 OyBjb2xvcj ogIzQ0NDsn PgogICAgIC AgICAgICAg ICAgICAgIC AgICAgICAg U2lnbiB1cC Bub3cgYW5k IGdldCBvdX IgZnJlZSBl Qm9vayAKIC AgICAgICAg ICAgICAgIC AgICAgICAg ICAgIDxiPl RoZSBDaGVj a2xpc3QgVm FsdWUgSW52 ZXN0b3Ig4o CUIEEgU21h cnRlciBXYX kgdG8gUGlj ayBTdG9ja3 M8L2I+CiAg ICAgICAgIC AgICAgICAg ICAgICAgID wvZGl2Pgog ICAgICAgIC AgICAgICAg ICAgICAgIC AtLT4KICAg ICAgICAgIC AgICAgICAg ICAgICAgPC EtLQogICAg ICAgICAgIC AgICAgICAg ICAgICA8ZG l2IHN0eWxl PSdtYXJnaW 4tdG9wOiAx NnB4OyBmb2 50LXNpemU6 IDE0cHg7IG NvbG9yOiAj NDQ0OyBmb2 50LWZhbWls eTogLWFwcG xlLXN5c3Rl bSwgQmxpbm tNYWNTeXN0 ZW1Gb250LC BTZWdvZSBV SSwgUm9ib3 RvLCBIZWx2 ZXRpY2EgTm V1ZSwgc2Fu cy1zZXJpZj sgbGluZS1o ZWlnaHQ6ID EuNjsnPgog ICAgICAgIC AgICAgICAg ICAgICAgIC AgICAgSGF2 ZSB5b3UgaG VhcmQgYWJv dXQgb3VyIH Nob3J0IDxz dHJvbmcgc3 R5bGU9J2Zv bnQtd2VpZ2 h0OiA2MDA7 Jz5EYWlseS BWaWRlbyBO ZXdzbGV0dG VyPC9zdHJv bmc+PwogIC AgICAgICAg ICAgICAgIC AgICAgICAg ICAgPGEgaH JlZj0naHR0 cHM6Ly93d3 cuaW5zaWdo dGZ1bHZhbH VlLmNvbS9u ZXdzbGV0dG VyLnBocCcg dGFyZ2V0PS dfYmxhbmsn IHN0eWxlPS djb2xvcjog IzAwN0JGRj sgdGV4dC1k ZWNvcmF0aW 9uOiBub25l OyBmb250LX dlaWdodDog NTAwOyBtYX JnaW4tbGVm dDogNnB4Oy c+CiAgICAg ICAgICAgIC AgICAgICAg ICAgICAgIC AgICAgRmlu ZCBvdXQgbW 9yZQogICAg ICAgICAgIC AgICAgICAg ICAgICAgIC AgPC9hPgog ICAgICAgIC AgICAgICAg ICAgICAgIC A8L2Rpdj4K ICAgICAgIC AgICAgICAg ICAgICAgIC AgLS0+CiAg ICAgICAgIC AgICAgICAg ICAgPC9kaX Y+CiAgICAg ICAgICAgIC AgICA8L2Rp dj4KICAgIC AgICAgICAg PC9kaXY+Ci AgICAgICAg ICAgIAogIC AgICAgIAog ICAgICAgID xzcGFuIGNs YXNzPSdibH VycmVkLXRl eHQnPgogIC AgICAgICAg ICBNUzRnVk dobElHIE52 YlhCaGJua2 cgZDJGeklH WnZkVyA1a1 pXUWdhVzRn IE1UazVNQ0 JoY3kgQmxZ WE41YUc5dC BaU3dnWVc1 a0lIIGRoY3 lCd2NtbHQg WVhKcGJIa2 dabSA5amRY TmxaQ0J2IG JpQndjbTky YVcgUnBibW NnWm5WeSBi bWwwZFhKbE lHIEZ1WkNC aGNIQnMgYV dGdVkyVWdj bSBWdWRHRn NjeUIwIGJ5 QmpkWE4wYj IgMWxjbk1n ZDJsMCBhQ0 J3YjI5eUlH IE55WldScG RDNDggWW5J K01pNGdTVy A0Z01qQXhO U3dnIFpXRn plV2h2Ylcg VWdjbVZpY2 1GdSBaR1Zr SUdGeklHIG R2WldGemVT Qk0gZEdRdU lHbHVJRyA5 eVpHVnlJSF J2IElISmxa bXhsWTMgUW dkR2hsYVhJ ZyBaWGh3WV c1a2FXIDVu SUdacGJtRn UgWTJsaGJD QnpaWCBKMm FXTmxjeUJo IGJtUWdiR1 Z1WkcgbHVa eUJqWVhCaC BZbWxzYVhS cFpYIE11UE dKeVBqTXUg SUZSb1pTQm piMiAxd1lX NTVJR2x6IE lHaGxZV1J4 ZFcgRnlkR1 Z5WldRZyBh VzRnVFdsem MyIGx6YzJG MVoyRXMgSU U5dWRHRnlh VyA4c0lFTm hibUZrIFlT QmhibVFnYU cgRnpJRzky WlhJZyBNU3 czTURBZ1pX IDF3Ykc5NV pXVnogSUdG amNtOXpjeS BCMGFHVWdZ MjkxIGJuUn llUzQ4WW4g SStOQzRnWj I5bCBZWE41 SUc5d1pYIE poZEdWeklI UjMgYnlCdF lXbHVJRyBS cGRtbHphVz l1IGN5QXRJ R1ZoYzMgbG 1hVzVoYm1O cCBZV3dzSU hkb2FXIE5v SUhCeWIzWn AgWkdWeklI VnVjMiBWam RYSmxaQ0J3 IFpYSnpiMj VoYkMgQnNi MkZ1Y3lCMC BieUJqZFhO MGIyIDFsY2 5Nc0lHRnUg WkNCbFlYTj VhRyA5dFpT d2dkMmhwIF kyZ2diMlpt WlggSnpJR1 oxY201cCBk SFZ5WlN3Z1 lYIEJ3Ykds aGJtTmwgY3 lCaGJtUWda VyB4bFkzUn liMjVwIFkz TWdjbVZ1ZE cgRnNjeTQ4 WW5JKyBOUz RnU1c0Z1lX IFJrYVhScG IyNGcgZEc4 Z2RHaGxhWC BJZ2JHVnVa R2x1IFp5Qm hibVFnY20g VnVkR0ZzSU hObCBjblpw WTJWekxDIE JuYjJWaGMz a2cgWVd4em J5QnZabSBa bGNuTWdZM0 psIFpHbDBJ RzF2Ym0gbD BiM0pwYm1j ZyBZVzVrSU dacGJtIEZ1 WTJsaGJDQm ogYjJGamFH bHVaeSBCel pYSjJhV05s IGN5QjBieU JwZEggTWdZ M1Z6ZEc5dC BaWEp6TGp4 aWNqIDQyTG lCVWFHVWcg WTI5dGNHRn VlZSBLQW1Y TWdaV0Z6IG VXaHZiV1Vn WkcgbDJhWE 5wYjI0ZyBh WE1nZEdobE lHIDl1Ykhr Z2NtVnUgZE MxMGJ5MXZk MiA0Z2NtVj BZV2xzIFpY SWdhVzRnUT IgRnVZV1Jo SUhSdiBJR0 psSUdObGNu IFJwWm1sbF pDQmggY3lC aElFZHlaVy BGMElGQnNZ V05sIElIUn ZJRmR2Y20g c2dZbmtnZE dobCBJRWR5 WldGMElGIE JzWVdObElI UnYgSUZkdm NtdkNyaSBC SmJuTjBhWF IxIGRHVXVQ R0p5UGogY3 VJR2R2WldG eiBlU0JvWV hNZ1ltIFZs YmlCeVpXTn YgWjI1cGVt VmtJRyBGek lHOXVaU0J2 IFppQkRZVz VoWkcgSGln Smx6SUVKbC BjM1FnVFdG dVlXIGRsWk NCRGIyMXcg WVc1cFpYTW dabSA5eUlI Um9aU0J3IF lYTjBJSE5s ZG0gVnVJR0 52Ym5ObCBZ M1YwYVhabE lIIGxsWVhK ekxqeGkgY2 o0NExpQlVh RyBVZ1kyOX RjR0Z1IGVT Qm9ZWE1nWV MgQnpkSEp2 Ym1jZyBZMj l0YldsMGJX IFZ1ZENCMG J5Qm4gYVha cGJtY2dZbS BGamF5QjBi eUIwIGFHVW dZMjl0Ylgg VnVhWFI1TE NCaCBibVFn YUdGeklHIF J2Ym1GMFpX UWcgYjNabG NpQWtNUyBC dGFXeHNhVz l1IElIUnZJ SFpoY20gbH ZkWE1nWTJo aCBjbWwwYV dWeklHIEZ1 WkNCdWIyNH QgY0hKdlpt bDBJRyA5eV oyRnVhWHBo IGRHbHZibk 1nYzIgbHVZ MlVnTWpBeC BOaTQ4WW5J K09TIDRnU1 c0Z01qQXgg T0N3Z1oyOW xZWCBONUlI ZGhjeUJ1IF lXMWxaQ0J2 Ym0gVWdiMl lnUTJGdSBZ V1JoNG9DWm N5IEJOYjNO MElFRmsgYl dseVpXUWdR MiA5eWNHOX lZWFJsIElF TjFiSFIxY2 0gVnpJR0o1 SUZkaCBkR1 Z5YzNSdmJt IFVnU0hWdF lXNGcgUTJG d2FYUmhiQy A0OFluSStN VEF1IElGUm 9aU0JqYjIg MXdZVzU1NG 9DWiBjeUJE UlU4Z1lXID VrSUZCeVpY TnAgWkdWdW RDd2dSRyBG MmFXUWdTVz VuIGNtRnRM Q0IzWVggTW dibUZ0WldR ZyBRMkZ1WV dSaDRvIENa Y3lCRldTQk YgYm5SeVpY QnlaVyA1bG RYSWdiMlln IGRHaGxJRm xsWVggSWdh VzRnTWpBeC BPU0JwYmlC MGFHIFVnUm 1sdVlXNWog YVdGc0lGTm xjbiBacFky VnpJR05oIG RHVm5iM0o1 TGcgPT0KIC AgICAgICA8 L3NwYW4+Ci AgICAgICAg CiAgICAgIC Ag