{"id":27269,"date":"2026-04-06T10:47:20","date_gmt":"2026-04-06T04:47:20","guid":{"rendered":"https:\/\/dailydinbadal.com\/?p=27269"},"modified":"2026-04-06T11:04:10","modified_gmt":"2026-04-06T05:04:10","slug":"%e0%a6%ae%e0%a7%81%e0%a6%a8%e0%a6%be%e0%a6%ab%e0%a6%be","status":"publish","type":"post","link":"https:\/\/dailydinbadal.com\/?p=27269","title":{"rendered":"\u09b6\u09c2\u09a8\u09cd\u09af \u09ae\u09c1\u09a8\u09be\u09ab\u09be: \u09a6\u09c7\u0989\u09b2\u09bf\u09df\u09be \u09b9\u0993\u09df\u09be\u09b0 \u09aa\u09a5\u09c7 \u0995\u09bf \u09e7\u09ed \u09ac\u09cd\u09af\u09be\u0982\u0995?"},"content":{"rendered":"\r\n<p><style>\r\n.bk-wrap{max-width:780px;margin:0 auto;font-family:'Noto Sans Bengali',sans-serif,Arial;}\r\n\r\n\/* Header *\/\r\n.bk-header{background:linear-gradient(135deg,#1a3a5c 0%,#0d2137 60%,#091929 100%);padding:26px 28px 20px;border-radius:10px 10px 0 0;position:relative;overflow:hidden;}\r\n.bk-header::before{content:'';position:absolute;top:-40px;right:-40px;width:200px;height:200px;border-radius:50%;background:rgba(255,255,255,0.05);}\r\n.bk-tag{display:inline-block;background:rgba(255,255,255,0.15);color:#a8d4f5;font-size:11px;font-weight:700;letter-spacing:.1em;padding:4px 12px;border-radius:20px;margin-bottom:10px;}\r\n.bk-header h2{font-size:21px!important;font-weight:800!important;color:#fff!important;line-height:1.4!important;margin:0 0 6px!important;padding:0!important;border:none!important;}\r\n.bk-header-sub{font-size:12.5px;color:rgba(255,255,255,.65);}\r\n.bk-deco{position:absolute;right:26px;top:50%;transform:translateY(-50%);font-size:54px;opacity:.2;}\r\n\r\n\/* Stats strip *\/\r\n.bk-stats{display:flex;background:#0d2137;}\r\n.bk-stat{flex:1;padding:16px 10px;text-align:center;border-right:1px solid rgba(255,255,255,.07);}\r\n.bk-stat:last-child{border-right:none;}\r\n.bk-snum{display:block;font-size:25px;font-weight:800;line-height:1;margin-bottom:5px;}\r\n.bk-slbl{font-size:10.5px;color:rgba(255,255,255,.55);line-height:1.4;}\r\n.c-red{color:#e74c3c;} .c-amber{color:#f39c12;} .c-green{color:#2ecc71;} .c-sky{color:#5dade2;}\r\n\r\n\/* Section *\/\r\n.bk-sec{padding:20px 22px 16px;background:#fff;}\r\n.bk-sec-title{font-size:11px;font-weight:700;letter-spacing:.12em;color:#999;text-transform:uppercase;margin-bottom:14px;display:flex;align-items:center;gap:8px;}\r\n.bk-sec-title::after{content:'';flex:1;height:1px;background:#eee;}\r\n\r\n\/* Two-col bank lists *\/\r\n.bk-lists{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:0;}\r\n.bk-list-box{border-radius:10px;overflow:hidden;border:1px solid #eee;}\r\n.bk-list-head{padding:10px 14px;font-size:12px;font-weight:700;color:#fff;display:flex;align-items:center;gap:8px;}\r\n.bk-lh-red{background:#c0392b;}\r\n.bk-lh-navy{background:#1a3a5c;}\r\n.bk-list-body{padding:0;}\r\n.bk-list-item{padding:8px 14px;font-size:12px;color:#333;border-bottom:1px solid #f2f2f2;display:flex;align-items:center;gap:7px;background:#fff;}\r\n.bk-list-item:last-child{border-bottom:none;}\r\n.bk-list-item::before{content:'';width:6px;height:6px;border-radius:50%;flex-shrink:0;}\r\n.bl-red .bk-list-item::before{background:#e74c3c;}\r\n.bl-navy .bk-list-item::before{background:#2980b9;}\r\n.bk-shared{background:#fff8f0!important;font-weight:600;color:#c0392b!important;}\r\n.bk-shared::before{background:#e67e22!important;}\r\n\r\n\/* CSR breakdown *\/\r\n.bk-csr-bg{background:#f4f8fb;padding:18px 22px;}\r\n.bk-csr-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;margin-top:4px;}\r\n.bk-csr-card{background:#fff;border-radius:9px;padding:13px 10px;text-align:center;border:1px solid #e8eef3;}\r\n.bk-csr-icon{font-size:20px;margin-bottom:6px;display:block;}\r\n.bk-csr-amt{font-size:16px;font-weight:800;color:#1a3a5c;line-height:1;margin-bottom:4px;}\r\n.bk-csr-lbl{font-size:10.5px;color:#888;line-height:1.4;}\r\n.bk-csr-total{background:#1a3a5c;border-radius:9px;padding:12px 16px;display:flex;justify-content:space-between;align-items:center;margin-top:10px;}\r\n.bk-csr-total-lbl{font-size:12.5px;color:rgba(255,255,255,.75);font-weight:600;}\r\n.bk-csr-total-num{font-size:20px;font-weight:800;color:#f39c12;}\r\n\r\n\/* Causes *\/\r\n.bk-causes{padding:18px 22px;background:#fff;}\r\n.bk-cause-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:9px;}\r\n.bk-cause{background:#fff;border:1px solid #eee;border-radius:9px;padding:12px 14px;display:flex;align-items:flex-start;gap:10px;}\r\n.bk-cause-icon{font-size:18px;flex-shrink:0;margin-top:1px;}\r\n.bk-cause-txt{font-size:12px;color:#333;line-height:1.5;font-weight:500;}\r\n.bk-cause-txt b{color:#c0392b;font-weight:700;}\r\n\r\n\/* Reform steps *\/\r\n.bk-reform-bg{background:#f0f4f0;padding:18px 22px;}\r\n.bk-reform-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:9px;}\r\n.bk-reform{background:#fff;border-radius:9px;padding:12px 14px;display:flex;align-items:flex-start;gap:10px;border:1px solid #ddeedd;}\r\n.bk-rbadge{width:26px;height:26px;border-radius:7px;background:#27ae60;display:flex;align-items:center;justify-content:center;font-size:12px;font-weight:800;color:#fff;flex-shrink:0;}\r\n.bk-rtxt{font-size:12px;font-weight:600;color:#333;line-height:1.5;padding-top:3px;}\r\n\r\n\/* Warning *\/\r\n.bk-warn{background:linear-gradient(90deg,#c0392b,#e74c3c);padding:12px 22px;display:flex;align-items:center;gap:11px;}\r\n.bk-warn-txt{font-size:12.5px;font-weight:600;color:#fff;line-height:1.5;}\r\n\r\n\/* Footer *\/\r\n.bk-foot{padding:10px 22px;display:flex;justify-content:space-between;align-items:center;border-top:1px solid #eee;background:#fff;border-radius:0 0 10px 10px;}\r\n.bk-foot span{font-size:11px;color:#bbb;}\r\n<\/style><\/p>\r\n<div class=\"bk-wrap\"><!-- Header -->\r\n<div class=\"bk-header\"><span class=\"bk-tag\">\u09ac\u09bf\u09b6\u09c7\u09b7 \u09aa\u09cd\u09b0\u09a4\u09bf\u09ac\u09c7\u09a6\u09a8<\/span>\r\n<h2>\u09ae\u09c1\u09a8\u09be\u09ab\u09be\u09b9\u09c0\u09a8 \u09e7\u09ed \u09ac\u09cd\u09af\u09be\u0982\u0995, \u09b8\u09bf\u098f\u09b8\u0986\u09b0 \u09b6\u09c2\u09a8\u09cd\u09af \u09e7\u09e7 : \u09b8\u0999\u09cd\u0995\u099f\u09c7 \u09ac\u09cd\u09af\u09be\u0982\u0995 \u0996\u09be\u09a4<\/h2>\r\n<p class=\"bk-header-sub\">\u0996\u09c7\u09b2\u09be\u09aa\u09bf \u098b\u09a3 \u00b7 \u09ae\u09c2\u09b2\u09a7\u09a8 \u0998\u09be\u099f\u09a4\u09bf \u00b7 \u09a6\u09c1\u09b0\u09cd\u09ac\u09b2 \u09ac\u09cd\u09af\u09ac\u09b8\u09cd\u09a5\u09be\u09aa\u09a8\u09be \u00b7 \u09b8\u09c1\u09b6\u09be\u09b8\u09a8\u09c7\u09b0 \u09b8\u0999\u09cd\u0995\u099f<\/p>\r\n<span class=\"bk-deco\">\ud83c\udfe6<\/span><\/div>\r\n<!-- Stats -->\r\n<div class=\"bk-stats\">\r\n<div class=\"bk-stat\"><span class=\"bk-snum c-red\">\u09e7\u09ed\u099f\u09bf<\/span><span class=\"bk-slbl\">\u09ac\u09cd\u09af\u09be\u0982\u0995 \u09ae\u09c1\u09a8\u09be\u09ab\u09be<br \/>\u0995\u09b0\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7\u09a8\u09bf (\u09e8\u09e6\u09e8\u09ea)<\/span><\/div>\r\n<div class=\"bk-stat\"><span class=\"bk-snum c-amber\">\u09e7\u09e7\u099f\u09bf<\/span><span class=\"bk-slbl\">\u09ac\u09cd\u09af\u09be\u0982\u0995\u09c7 \u09b8\u09bf\u098f\u09b8\u0986\u09b0<br \/>\u09ac\u09cd\u09af\u09af\u09bc \u09b6\u09c2\u09a8\u09cd\u09af (\u09e8\u09e6\u09e8\u09eb)<\/span><\/div>\r\n<div class=\"bk-stat\"><span class=\"bk-snum c-green\">\u09ec\u099f\u09bf<\/span><span class=\"bk-slbl\">\u09ac\u09cd\u09af\u09be\u0982\u0995 \u09b2\u09cb\u0995\u09b8\u09be\u09a8\u09c7\u0993<br \/>\u09b8\u09bf\u098f\u09b8\u0986\u09b0 \u0995\u09b0\u09c7\u099b\u09c7<\/span><\/div>\r\n<div class=\"bk-stat\"><span class=\"bk-snum c-sky\">\u09e9\u09ea\u09eb<\/span><span class=\"bk-slbl\">\u0995\u09cb\u099f\u09bf \u099f\u09be\u0995\u09be \u09ae\u09cb\u099f<br \/>\u09b8\u09bf\u098f\u09b8\u0986\u09b0 \u09ac\u09cd\u09af\u09af\u09bc<\/span><\/div>\r\n<\/div>\r\n<!-- Bank lists -->\r\n<div class=\"bk-sec\">\r\n<div class=\"bk-sec-title\">\u0995\u09cd\u09b7\u09a4\u09bf\u0997\u09cd\u09b0\u09b8\u09cd\u09a4 \u09ac\u09cd\u09af\u09be\u0982\u0995\u09c7\u09b0 \u09a4\u09be\u09b2\u09bf\u0995\u09be<\/div>\r\n<div class=\"bk-lists\">\r\n<div class=\"bk-list-box\">\r\n<div class=\"bk-list-head bk-lh-red\">\ud83d\udcc9 \u09ae\u09c1\u09a8\u09be\u09ab\u09be\u09b9\u09c0\u09a8 \u09e7\u09ed \u09ac\u09cd\u09af\u09be\u0982\u0995 (\u09e8\u09e6\u09e8\u09ea)<\/div>\r\n<div class=\"bk-list-body bl-red\">\r\n<div class=\"bk-list-item bk-shared\">\u099c\u09a8\u09a4\u09be \u09ac\u09cd\u09af\u09be\u0982\u0995 \u2605<\/div>\r\n<div class=\"bk-list-item bk-shared\">\u0985\u0997\u09cd\u09b0\u09a3\u09c0 \u09ac\u09cd\u09af\u09be\u0982\u0995 \u2605<\/div>\r\n<div class=\"bk-list-item bk-shared\">\u09ac\u09c7\u09b8\u09bf\u0995 \u09ac\u09cd\u09af\u09be\u0982\u0995 \u2605<\/div>\r\n<div class=\"bk-list-item bk-shared\">\u09ac\u09be\u0982\u09b2\u09be\u09a6\u09c7\u09b6 \u0995\u09c3\u09b7\u09bf \u09ac\u09cd\u09af\u09be\u0982\u0995 \u2605<\/div>\r\n<div class=\"bk-list-item bk-shared\">\u09b0\u09be\u099c\u09b6\u09be\u09b9\u09c0 \u0995\u09c3\u09b7\u09bf \u0989\u09a8\u09cd\u09a8\u09af\u09bc\u09a8 \u09ac\u09cd\u09af\u09be\u0982\u0995 \u2605<\/div>\r\n<div class=\"bk-list-item bk-shared\">\u09ac\u09be\u0982\u09b2\u09be\u09a6\u09c7\u09b6 \u0995\u09ae\u09be\u09b0\u09cd\u09b8 \u09ac\u09cd\u09af\u09be\u0982\u0995 \u2605<\/div>\r\n<div class=\"bk-list-item bk-shared\">\u09a8\u09cd\u09af\u09be\u09b6\u09a8\u09be\u09b2 \u09ac\u09cd\u09af\u09be\u0982\u0995 \u2605<\/div>\r\n<div class=\"bk-list-item bk-shared\">\u0997\u09cd\u09b2\u09cb\u09ac\u09be\u09b2 \u0987\u09b8\u09b2\u09be\u09ae\u09c0 \u09ac\u09cd\u09af\u09be\u0982\u0995 \u2605<\/div>\r\n<div class=\"bk-list-item bk-shared\">\u09aa\u09a6\u09cd\u09ae\u09be \u09ac\u09cd\u09af\u09be\u0982\u0995 \u2605<\/div>\r\n<div class=\"bk-list-item bk-shared\">\u0987\u0989\u09a8\u09bf\u09af\u09bc\u09a8 \u09ac\u09cd\u09af\u09be\u0982\u0995 \u2605<\/div>\r\n<div class=\"bk-list-item bk-shared\">\u09a8\u09cd\u09af\u09be\u09b6\u09a8\u09be\u09b2 \u09ac\u09cd\u09af\u09be\u0982\u0995 \u0985\u09ac \u09aa\u09be\u0995\u09bf\u09b8\u09cd\u09a4\u09be\u09a8 \u2605<\/div>\r\n<div class=\"bk-list-item\">\u098f\u09ac\u09bf \u09ac\u09cd\u09af\u09be\u0982\u0995<\/div>\r\n<div class=\"bk-list-item\">\u09ab\u09be\u09b0\u09cd\u09b8\u09cd\u099f \u09b8\u09bf\u0995\u09bf\u0989\u09b0\u09bf\u099f\u09bf \u0987\u09b8\u09b2\u09be\u09ae\u09c0 \u09ac\u09cd\u09af\u09be\u0982\u0995<\/div>\r\n<div class=\"bk-list-item\">\u0986\u0987\u09b8\u09bf\u09ac\u09bf \u0987\u09b8\u09b2\u09be\u09ae\u09c0 \u09ac\u09cd\u09af\u09be\u0982\u0995<\/div>\r\n<div class=\"bk-list-item\">\u0986\u0987\u098f\u09ab\u0986\u0987\u09b8\u09bf \u09ac\u09cd\u09af\u09be\u0982\u0995<\/div>\r\n<div class=\"bk-list-item\">\u098f\u09a8\u0986\u09b0\u09ac\u09bf \u0995\u09ae\u09be\u09b0\u09cd\u09b6\u09bf\u09af\u09bc\u09be\u09b2 \u09ac\u09cd\u09af\u09be\u0982\u0995<\/div>\r\n<div class=\"bk-list-item\">\u09b8\u09cb\u09b8\u09cd\u09af\u09be\u09b2 \u0987\u09b8\u09b2\u09be\u09ae\u09c0 \u09ac\u09cd\u09af\u09be\u0982\u0995<\/div>\r\n<\/div>\r\n<\/div>\r\n<div class=\"bk-list-box\">\r\n<div class=\"bk-list-head bk-lh-navy\">\ud83d\udeab \u09b8\u09bf\u098f\u09b8\u0986\u09b0 \u09ac\u09cd\u09af\u09af\u09bc \u09b6\u09c2\u09a8\u09cd\u09af \u09e7\u09e7 \u09ac\u09cd\u09af\u09be\u0982\u0995 (\u09e8\u09e6\u09e8\u09eb)<\/div>\r\n<div class=\"bk-list-body bl-navy\">\r\n<div class=\"bk-list-item bk-shared\">\u099c\u09a8\u09a4\u09be \u09ac\u09cd\u09af\u09be\u0982\u0995 \u2605<\/div>\r\n<div class=\"bk-list-item bk-shared\">\u0985\u0997\u09cd\u09b0\u09a3\u09c0 \u09ac\u09cd\u09af\u09be\u0982\u0995 \u2605<\/div>\r\n<div class=\"bk-list-item bk-shared\">\u09ac\u09c7\u09b8\u09bf\u0995 \u09ac\u09cd\u09af\u09be\u0982\u0995 \u2605<\/div>\r\n<div class=\"bk-list-item bk-shared\">\u09ac\u09be\u0982\u09b2\u09be\u09a6\u09c7\u09b6 \u0995\u09c3\u09b7\u09bf \u09ac\u09cd\u09af\u09be\u0982\u0995 \u2605<\/div>\r\n<div class=\"bk-list-item bk-shared\">\u09b0\u09be\u099c\u09b6\u09be\u09b9\u09c0 \u0995\u09c3\u09b7\u09bf \u0989\u09a8\u09cd\u09a8\u09af\u09bc\u09a8 \u09ac\u09cd\u09af\u09be\u0982\u0995 \u2605<\/div>\r\n<div class=\"bk-list-item bk-shared\">\u09ac\u09be\u0982\u09b2\u09be\u09a6\u09c7\u09b6 \u0995\u09ae\u09be\u09b0\u09cd\u09b8 \u09ac\u09cd\u09af\u09be\u0982\u0995 \u2605<\/div>\r\n<div class=\"bk-list-item bk-shared\">\u09a8\u09cd\u09af\u09be\u09b6\u09a8\u09be\u09b2 \u09ac\u09cd\u09af\u09be\u0982\u0995 \u2605<\/div>\r\n<div class=\"bk-list-item bk-shared\">\u0997\u09cd\u09b2\u09cb\u09ac\u09be\u09b2 \u0987\u09b8\u09b2\u09be\u09ae\u09c0 \u09ac\u09cd\u09af\u09be\u0982\u0995 \u2605<\/div>\r\n<div class=\"bk-list-item bk-shared\">\u09aa\u09a6\u09cd\u09ae\u09be \u09ac\u09cd\u09af\u09be\u0982\u0995 \u2605<\/div>\r\n<div class=\"bk-list-item bk-shared\">\u0987\u0989\u09a8\u09bf\u09af\u09bc\u09a8 \u09ac\u09cd\u09af\u09be\u0982\u0995 \u2605<\/div>\r\n<div class=\"bk-list-item bk-shared\">\u09a8\u09cd\u09af\u09be\u09b6\u09a8\u09be\u09b2 \u09ac\u09cd\u09af\u09be\u0982\u0995 \u0985\u09ac \u09aa\u09be\u0995\u09bf\u09b8\u09cd\u09a4\u09be\u09a8 \u2605<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<p style=\"font-size: 11px; color: #999; margin-top: 8px; margin-bottom: 0;\">\u2605 \u0989\u09ad\u09af\u09bc \u09a4\u09be\u09b2\u09bf\u0995\u09be\u09af\u09bc \u09a5\u09be\u0995\u09be \u09ac\u09cd\u09af\u09be\u0982\u0995 \u2014 \u098f\u0995\u0987 \u09b8\u09be\u09a5\u09c7 \u09ae\u09c1\u09a8\u09be\u09ab\u09be\u09b9\u09c0\u09a8 \u098f\u09ac\u0982 \u09b8\u09bf\u098f\u09b8\u0986\u09b0 \u09ac\u09cd\u09af\u09af\u09bc \u09b6\u09c2\u09a8\u09cd\u09af<\/p>\r\n<\/div>\r\n<!-- CSR Breakdown -->\r\n<div class=\"bk-csr-bg\">\r\n<div class=\"bk-sec-title\">\u09e8\u09e6\u09e8\u09eb \u09b8\u09be\u09b2\u09c7 \u09ae\u09cb\u099f \u09b8\u09bf\u098f\u09b8\u0986\u09b0 \u09ac\u09cd\u09af\u09af\u09bc\u09c7\u09b0 \u09ac\u09bf\u09a4\u09b0\u09a3<\/div>\r\n<div class=\"bk-csr-grid\">\r\n<div class=\"bk-csr-card\"><span class=\"bk-csr-icon\">\ud83d\udcda<\/span>\r\n<div class=\"bk-csr-amt\">\u09ef\u09ee.\u09ea\u09ea \u0995\u09cb\u099f\u09bf<\/div>\r\n<div class=\"bk-csr-lbl\">\u09b6\u09bf\u0995\u09cd\u09b7\u09be \u0996\u09be\u09a4<\/div>\r\n<\/div>\r\n<div class=\"bk-csr-card\"><span class=\"bk-csr-icon\">\ud83c\udfe5<\/span>\r\n<div class=\"bk-csr-amt\">\u09ee\u09eb.\u09ec\u09ea \u0995\u09cb\u099f\u09bf<\/div>\r\n<div class=\"bk-csr-lbl\">\u09b8\u09cd\u09ac\u09be\u09b8\u09cd\u09a5\u09cd\u09af \u0996\u09be\u09a4<\/div>\r\n<\/div>\r\n<div class=\"bk-csr-card\"><span class=\"bk-csr-icon\">\ud83c\udf3f<\/span>\r\n<div class=\"bk-csr-amt\">\u09e9\u09ea.\u09eb\u09e6 \u0995\u09cb\u099f\u09bf<\/div>\r\n<div class=\"bk-csr-lbl\">\u09aa\u09b0\u09bf\u09ac\u09c7\u09b6 \u0993 \u099c\u09b2\u09ac\u09be\u09af\u09bc\u09c1<\/div>\r\n<\/div>\r\n<div class=\"bk-csr-card\"><span class=\"bk-csr-icon\">\ud83e\udd1d<\/span>\r\n<div class=\"bk-csr-amt\">\u09e7\u09e8\u09ec.\u09ea\u09ed \u0995\u09cb\u099f\u09bf<\/div>\r\n<div class=\"bk-csr-lbl\">\u0985\u09a8\u09cd\u09af\u09be\u09a8\u09cd\u09af \u0996\u09be\u09a4<\/div>\r\n<\/div>\r\n<\/div>\r\n<div class=\"bk-csr-total\"><span class=\"bk-csr-total-lbl\">\u09ae\u09cb\u099f \u09b8\u09bf\u098f\u09b8\u0986\u09b0 \u09ac\u09cd\u09af\u09af\u09bc (\u09e8\u09e6\u09e8\u09eb)<\/span> <span class=\"bk-csr-total-num\">\u09e9\u09ea\u09eb.\u09e6\u09eb \u0995\u09cb\u099f\u09bf \u099f\u09be\u0995\u09be<\/span><\/div>\r\n<\/div>\r\n<!-- Root Causes -->\r\n<div class=\"bk-causes\">\r\n<div class=\"bk-sec-title\">\u09b8\u0999\u09cd\u0995\u099f\u09c7\u09b0 \u09ae\u09c2\u09b2 \u0995\u09be\u09b0\u09a3\u09b8\u09ae\u09c2\u09b9<\/div>\r\n<div class=\"bk-cause-grid\">\r\n<div class=\"bk-cause\"><span class=\"bk-cause-icon\">\u26d3\ufe0f<\/span>\r\n<div class=\"bk-cause-txt\"><b>\u0996\u09c7\u09b2\u09be\u09aa\u09bf \u098b\u09a3\u09c7\u09b0 \u09ac\u09c3\u09a6\u09cd\u09a7\u09bf<\/b><br \/>\u09ac\u099b\u09b0\u09c7\u09b0 \u09aa\u09b0 \u09ac\u099b\u09b0 \u098b\u09a3 \u09aa\u09b0\u09bf\u09b6\u09cb\u09a7 \u09a8\u09be \u0995\u09b0\u09c7\u0993 \u09ac\u09a1\u09bc \u098b\u09a3\u0997\u09cd\u09b0\u09b9\u09c0\u09a4\u09be\u09b0\u09be \u09a8\u09a4\u09c1\u09a8 \u09b8\u09c1\u09ac\u09bf\u09a7\u09be \u09aa\u09be\u099a\u09cd\u099b\u09c7\u09a8<\/div>\r\n<\/div>\r\n<div class=\"bk-cause\"><span class=\"bk-cause-icon\">\ud83c\udfdb\ufe0f<\/span>\r\n<div class=\"bk-cause-txt\"><b>\u09a6\u09c1\u09b0\u09cd\u09ac\u09b2 \u0995\u09b0\u09cd\u09aa\u09cb\u09b0\u09c7\u099f \u09b8\u09c1\u09b6\u09be\u09b8\u09a8<\/b><br \/>\u09aa\u09b0\u09bf\u099a\u09be\u09b2\u09a8\u09be \u09aa\u09b0\u09cd\u09b7\u09a6\u09c7 \u09aa\u09cd\u09b0\u09ad\u09be\u09ac\u09b6\u09be\u09b2\u09c0 \u0997\u09cb\u09b7\u09cd\u09a0\u09c0\u09b0 \u09b9\u09b8\u09cd\u09a4\u0995\u09cd\u09b7\u09c7\u09aa\u09c7 \u09ac\u09be\u09a3\u09bf\u099c\u09cd\u09af\u09bf\u0995 \u09b8\u09bf\u09a6\u09cd\u09a7\u09be\u09a8\u09cd\u09a4 \u0995\u09cd\u09b7\u09a4\u09bf\u0997\u09cd\u09b0\u09b8\u09cd\u09a4<\/div>\r\n<\/div>\r\n<div class=\"bk-cause\"><span class=\"bk-cause-icon\">\ud83d\udcbb<\/span>\r\n<div class=\"bk-cause-txt\"><b>\u09aa\u09cd\u09b0\u09af\u09c1\u0995\u09cd\u09a4\u09bf\u0997\u09a4 \u09a6\u09c1\u09b0\u09cd\u09ac\u09b2\u09a4\u09be<\/b><br \/>\u09aa\u09c1\u09b0\u09a8\u09cb \u09b8\u09ab\u099f\u0993\u09af\u09bc\u09cd\u09af\u09be\u09b0 \u0993 \u09ae\u09cd\u09af\u09be\u09a8\u09c1\u09af\u09bc\u09be\u09b2 \u09b8\u09bf\u09b8\u09cd\u099f\u09c7\u09ae \u09ac\u09cd\u09af\u09ac\u09b9\u09be\u09b0\u09c7 \u099d\u09c1\u0981\u0995\u09bf \u09ac\u09be\u09a1\u09bc\u099b\u09c7<\/div>\r\n<\/div>\r\n<div class=\"bk-cause\"><span class=\"bk-cause-icon\">\ud83d\udcc9<\/span>\r\n<div class=\"bk-cause-txt\"><b>\u09ae\u09c2\u09b2\u09a7\u09a8 \u0998\u09be\u099f\u09a4\u09bf<\/b><br \/>\u09ae\u09c1\u09a8\u09be\u09ab\u09be \u09a8\u09be \u09a5\u09be\u0995\u09be\u09af\u09bc \u0985\u09a8\u09c7\u0995 \u09ac\u09cd\u09af\u09be\u0982\u0995\u09c7\u09b0 \u09ae\u09c2\u09b2\u09a7\u09a8 \u09aa\u09b0\u09cd\u09af\u09be\u09aa\u09cd\u09a4\u09a4\u09be \u09b9\u09be\u09b0 \u0995\u09ae\u099b\u09c7<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<!-- Reform Steps -->\r\n<div class=\"bk-reform-bg\">\r\n<div class=\"bk-sec-title\">\u09ac\u09bf\u09b6\u09c7\u09b7\u099c\u09cd\u099e \u09aa\u09cd\u09b0\u09b8\u09cd\u09a4\u09be\u09ac\u09bf\u09a4 \u09b8\u0982\u09b8\u09cd\u0995\u09be\u09b0 \u09aa\u09a6\u0995\u09cd\u09b7\u09c7\u09aa<\/div>\r\n<div class=\"bk-reform-grid\">\r\n<div class=\"bk-reform\">\r\n<div class=\"bk-rbadge\">\u09e7<\/div>\r\n<div class=\"bk-rtxt\">\u09ac\u09a1\u09bc \u098b\u09a3\u0996\u09c7\u09b2\u09be\u09aa\u09bf\u09a6\u09c7\u09b0 \u09ac\u09bf\u09b0\u09c1\u09a6\u09cd\u09a7\u09c7 \u0995\u09a0\u09cb\u09b0 \u0986\u0987\u09a8\u09bf \u09ac\u09cd\u09af\u09ac\u09b8\u09cd\u09a5\u09be \u09a8\u09bf\u09a4\u09c7 \u09b9\u09ac\u09c7<\/div>\r\n<\/div>\r\n<div class=\"bk-reform\">\r\n<div class=\"bk-rbadge\">\u09e8<\/div>\r\n<div class=\"bk-rtxt\">\u09aa\u09b0\u09bf\u099a\u09be\u09b2\u09a8\u09be \u09aa\u09b0\u09cd\u09b7\u09a6\u09c7 \u09b8\u09cd\u09ac\u099a\u09cd\u099b\u09a4\u09be \u0993 \u099c\u09ac\u09be\u09ac\u09a6\u09bf\u09b9\u09bf \u09ac\u09be\u09a1\u09bc\u09be\u09a4\u09c7 \u09b9\u09ac\u09c7<\/div>\r\n<\/div>\r\n<div class=\"bk-reform\">\r\n<div class=\"bk-rbadge\">\u09e9<\/div>\r\n<div class=\"bk-rtxt\">\u09ac\u09cd\u09af\u09be\u0982\u0995\u09bf\u0982 \u09b8\u09ab\u099f\u0993\u09af\u09bc\u09cd\u09af\u09be\u09b0 \u0993 \u099d\u09c1\u0981\u0995\u09bf \u09ac\u09cd\u09af\u09ac\u09b8\u09cd\u09a5\u09be\u09aa\u09a8\u09be \u0986\u09a7\u09c1\u09a8\u09bf\u0995 \u0995\u09b0\u09a4\u09c7 \u09b9\u09ac\u09c7<\/div>\r\n<\/div>\r\n<div class=\"bk-reform\">\r\n<div class=\"bk-rbadge\">\u09ea<\/div>\r\n<div class=\"bk-rtxt\">\u09ae\u09c1\u09a8\u09be\u09ab\u09be\u09ad\u09bf\u09a4\u09cd\u09a4\u09bf\u0995 \u09b8\u09bf\u098f\u09b8\u0986\u09b0 \u09ac\u09cd\u09af\u09af\u09bc \u09ac\u09be\u09a7\u09cd\u09af\u09a4\u09be\u09ae\u09c2\u09b2\u0995 \u09aa\u09b0\u09cd\u09af\u09ac\u09c7\u0995\u09cd\u09b7\u09a3\u09c7 \u0986\u09a8\u09a4\u09c7 \u09b9\u09ac\u09c7<\/div>\r\n<\/div>\r\n<\/div>\r\n<\/div>\r\n<!-- Warning -->\r\n<div class=\"bk-warn\"><span style=\"font-size: 18px;\">\u26a0\ufe0f<\/span> <span class=\"bk-warn-txt\">\u09ac\u09bf\u09b6\u09c7\u09b7\u099c\u09cd\u099e\u09a6\u09c7\u09b0 \u09b8\u09a4\u09b0\u09cd\u0995\u09a4\u09be: \u09a6\u09cd\u09b0\u09c1\u09a4 \u09b8\u0982\u09b8\u09cd\u0995\u09be\u09b0 \u09a8\u09be \u09b9\u09b2\u09c7 \u09ac\u09cd\u09af\u09be\u0982\u0995 \u0996\u09be\u09a4\u09c7\u09b0 \u098f\u0987 \u09a6\u09c1\u09b0\u09cd\u09ac\u09b2\u09a4\u09be \u09a6\u09c7\u09b6\u09c7\u09b0 \u09b8\u09be\u09ae\u0997\u09cd\u09b0\u09bf\u0995 \u0985\u09b0\u09cd\u09a5\u09a8\u09c8\u09a4\u09bf\u0995 \u09b8\u09cd\u09a5\u09bf\u09a4\u09bf\u09b6\u09c0\u09b2\u09a4\u09be\u09b0 \u099c\u09a8\u09cd\u09af \u09ac\u09a1\u09bc \u099d\u09c1\u0981\u0995\u09bf \u09b9\u09af\u09bc\u09c7 \u0989\u09a0\u09ac\u09c7\u0964<\/span><\/div>\r\n<!-- Footer -->\r\n<div class=\"bk-foot\">\u09a4\u09a5\u09cd\u09af\u09b8\u09c2\u09a4\u09cd\u09b0: \u09ac\u09be\u0982\u09b2\u09be\u09a6\u09c7\u09b6 \u09ac\u09cd\u09af\u09be\u0982\u0995 \u09aa\u09cd\u09b0\u09a4\u09bf\u09ac\u09c7\u09a6\u09a8 \u09e8\u09e6\u09e8\u09ea-\u09e8\u09eb\u098f\u09aa\u09cd\u09b0\u09bf\u09b2 \u09e8\u09e6\u09e8\u09ec<\/div>\r\n<\/div>\r\n\r\n<p>&nbsp;<\/p>\r\n<p data-path-to-node=\"5\">\u09ac\u09be\u0982\u09b2\u09be\u09a6\u09c7\u09b6\u09c7\u09b0 \u0985\u09b0\u09cd\u09a5\u09a8\u09c0\u09a4\u09bf\u09b0 \u09b9\u09c3\u09a6\u09aa\u09bf\u09a3\u09cd\u09a1 \u09ac\u09b2\u09be \u09b9\u09df \u09ac\u09cd\u09af\u09be\u0982\u0995\u09bf\u0982 \u0996\u09be\u09a4\u0995\u09c7\u0964 \u0995\u09bf\u09a8\u09cd\u09a4\u09c1 \u09b8\u09c7\u0987 \u09b9\u09c3\u09a6\u09aa\u09bf\u09a3\u09cd\u09a1 \u098f\u0996\u09a8 \u09a4\u09c0\u09ac\u09cd\u09b0 \u2018\u09b0\u0995\u09cd\u09a4\u09b6\u09c2\u09a8\u09cd\u09af\u09a4\u09be\u2019 \u09ac\u09be \u09a4\u09be\u09b0\u09b2\u09cd\u09af \u09b8\u0982\u0995\u099f\u09c7 \u09ad\u09c1\u0997\u099b\u09c7\u0964 \u09ac\u09be\u0982\u09b2\u09be\u09a6\u09c7\u09b6 \u09ac\u09cd\u09af\u09be\u0982\u0995\u09c7\u09b0 \u09b8\u09b0\u09cd\u09ac\u09b6\u09c7\u09b7 \u09aa\u09b0\u09cd\u09af\u09be\u09b2\u09cb\u099a\u09a8\u09be\u09df \u0989\u09a0\u09c7 \u098f\u09b8\u09c7\u099b\u09c7 \u098f\u0995 \u09aa\u09bf\u09b2\u09c7 \u099a\u09ae\u0995\u09be\u09a8\u09cb \u09a4\u09a5\u09cd\u09af: \u09e8\u09e6\u09e8\u09ea \u09b8\u09be\u09b2\u09c7 \u09a6\u09c7\u09b6\u09c7\u09b0 \u09e7\u09ed\u099f\u09bf \u09ac\u09cd\u09af\u09be\u0982\u0995 \u09a8\u09bf\u099f \u09ae\u09c1\u09a8\u09be\u09ab\u09be \u0985\u09b0\u09cd\u099c\u09a8\u09c7 \u09ac\u09cd\u09af\u09b0\u09cd\u09a5 \u09b9\u09df\u09c7\u099b\u09c7\u0964 \u0986\u09b0\u0993 \u0989\u09a6\u09cd\u09ac\u09c7\u0997\u09c7\u09b0 \u09ac\u09bf\u09b7\u09df \u09b9\u09b2\u09cb, \u09e8\u09e6\u09e8\u09eb \u09b8\u09be\u09b2\u09c7 \u09e7\u09e7\u099f\u09bf \u09ac\u09cd\u09af\u09be\u0982\u0995 \u09a4\u09be\u09a6\u09c7\u09b0 \u0995\u09b0\u09cd\u09aa\u09cb\u09b0\u09c7\u099f \u09b8\u09be\u09ae\u09be\u099c\u09bf\u0995 \u09a6\u09be\u09df\u09ac\u09a6\u09cd\u09a7\u09a4\u09be \u09ac\u09be \u09b8\u09bf\u098f\u09b8\u0986\u09b0 (CSR) \u0996\u09be\u09a4\u09c7 \u098f\u0995 \u09aa\u09df\u09b8\u09be\u0993 \u09ac\u09cd\u09af\u09df \u0995\u09b0\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7\u09a8\u09bf\u0964 \u0996\u09c7\u09b2\u09be\u09aa\u09bf \u098b\u09a3\u09c7\u09b0 \u09b2\u09be\u0997\u09be\u09ae\u09b9\u09c0\u09a8 \u09ac\u09c3\u09a6\u09cd\u09a7\u09bf, \u09a6\u09c1\u09b0\u09cd\u09ac\u09b2 \u09aa\u09b0\u09bf\u099a\u09be\u09b2\u09a8\u09be \u09aa\u09b0\u09cd\u09b7\u09a6 \u098f\u09ac\u0982 \u09b0\u09be\u099c\u09a8\u09c8\u09a4\u09bf\u0995 \u09b9\u09b8\u09cd\u09a4\u0995\u09cd\u09b7\u09c7\u09aa\u09c7\u09b0 \u09af\u09c7 \u09ac\u09bf\u09b7\u09ac\u09c3\u0995\u09cd\u09b7 \u0997\u09a4 \u0995\u09df\u09c7\u0995 \u09a6\u09b6\u0995\u09c7 \u09b0\u09cb\u09aa\u09a3 \u0995\u09b0\u09be \u09b9\u09df\u09c7\u099b\u09bf\u09b2, \u09e8\u09e6\u09e8\u09ec \u09b8\u09be\u09b2\u09c7 \u098f\u09b8\u09c7 \u09a4\u09be\u09b0 \u09ab\u09b2 \u09ad\u09cb\u0997 \u0995\u09b0\u099b\u09c7 \u09b8\u09be\u09a7\u09be\u09b0\u09a3 \u0986\u09ae\u09be\u09a8\u09a4\u0995\u09be\u09b0\u09c0 \u0993 \u09a6\u09c7\u09b6\u09c7\u09b0 \u09b8\u09be\u09ae\u0997\u09cd\u09b0\u09bf\u0995 \u0985\u09b0\u09cd\u09a5\u09a8\u09c0\u09a4\u09bf\u0964<\/p>\r\n<h3 data-path-to-node=\"6\"><b data-path-to-node=\"6\" data-index-in-node=\"0\">\u09ae\u09c1\u09a8\u09be\u09ab\u09be\u09b9\u09c0\u09a8\u09a4\u09be\u09b0 \u09ac\u09c3\u09a4\u09cd\u09a4\u09c7 \u09e7\u09ed \u09ac\u09cd\u09af\u09be\u0982\u0995: \u0995\u09c7\u09a8 \u098f\u0987 \u09aa\u09a4\u09a8?<\/b><\/h3>\r\n<p data-path-to-node=\"7\">\u09e8\u09e6\u09e8\u09ea \u09b8\u09be\u09b2\u09c7\u09b0 \u09b9\u09bf\u09b8\u09be\u09ac \u0985\u09a8\u09c1\u09af\u09be\u09df\u09c0, \u09ae\u09c1\u09a8\u09be\u09ab\u09be \u0985\u09b0\u09cd\u099c\u09a8\u09c7 \u09ac\u09cd\u09af\u09b0\u09cd\u09a5 \u09b9\u0993\u09df\u09be \u09ac\u09cd\u09af\u09be\u0982\u0995\u0997\u09c1\u09b2\u09cb\u09b0 \u09a4\u09be\u09b2\u09bf\u0995\u09be\u09df \u09b0\u09df\u09c7\u099b\u09c7 \u09b0\u09be\u09b7\u09cd\u099f\u09cd\u09b0\u09be\u09df\u09a4\u09cd\u09a4 \u09ac\u09dc \u09ac\u09dc \u09aa\u09cd\u09b0\u09a4\u09bf\u09b7\u09cd\u09a0\u09be\u09a8 \u09a5\u09c7\u0995\u09c7 \u09b6\u09c1\u09b0\u09c1 \u0995\u09b0\u09c7 \u09b6\u09b0\u09c0\u09df\u09be\u09b9 \u09ad\u09bf\u09a4\u09cd\u09a4\u09bf\u0995 \u0993 \u09a8\u09a4\u09c1\u09a8 \u09aa\u09cd\u09b0\u099c\u09a8\u09cd\u09ae\u09c7\u09b0 \u09ac\u09c7\u09b8\u09b0\u0995\u09be\u09b0\u09bf \u09ac\u09cd\u09af\u09be\u0982\u0995\u0964 \u099c\u09a8\u09a4\u09be, \u0985\u0997\u09cd\u09b0\u09a3\u09c0, \u09ac\u09c7\u09b8\u09bf\u0995, \u098f\u09ac\u0982 \u09ac\u09be\u0982\u09b2\u09be\u09a6\u09c7\u09b6 \u0995\u09c3\u09b7\u09bf \u09ac\u09cd\u09af\u09be\u0982\u0995\u09c7\u09b0 \u09ae\u09a4\u09cb \u09b0\u09be\u09b7\u09cd\u099f\u09cd\u09b0\u09be\u09df\u09a4\u09cd\u09a4 \u09a6\u09be\u09a8\u09ac\u0997\u09c1\u09b2\u09cb \u098f\u0996\u09a8 \u09ae\u09c1\u09a8\u09be\u09ab\u09be\u09b0 \u09ac\u09a6\u09b2\u09c7 \u09b2\u09cb\u0995\u09b8\u09be\u09a8\u09c7\u09b0 \u09ad\u09be\u09b0\u09c7 \u09a8\u09c1\u09df\u09c7 \u09aa\u09dc\u09c7\u099b\u09c7\u0964 \u098f\u09b0 \u09aa\u09be\u09b6\u09be\u09aa\u09be\u09b6\u09bf \u098f\u09ac\u09bf \u09ac\u09cd\u09af\u09be\u0982\u0995, \u09a8\u09cd\u09af\u09be\u09b6\u09a8\u09be\u09b2 \u09ac\u09cd\u09af\u09be\u0982\u0995, \u09aa\u09a6\u09cd\u09ae\u09be \u09ac\u09cd\u09af\u09be\u0982\u0995 \u098f\u09ac\u0982 \u09b8\u09cb\u09b6\u09cd\u09af\u09be\u09b2 \u0987\u09b8\u09b2\u09be\u09ae\u09c0 \u09ac\u09cd\u09af\u09be\u0982\u0995\u09c7\u09b0 \u09ae\u09a4\u09cb \u09aa\u09cd\u09b0\u09a4\u09bf\u09b7\u09cd\u09a0\u09be\u09a8\u0997\u09c1\u09b2\u09cb\u0993 \u09a8\u09bf\u099f \u09ae\u09c1\u09a8\u09be\u09ab\u09be \u09a6\u09c7\u0996\u09be\u09a4\u09c7 \u09aa\u09be\u09b0\u09c7\u09a8\u09bf\u0964<\/p>\r\n<p data-path-to-node=\"8\"><b data-path-to-node=\"8\" data-index-in-node=\"0\">\u09ae\u09c1\u09a8\u09be\u09ab\u09be\u09b9\u09c0\u09a8\u09a4\u09be\u09b0 \u09aa\u09cd\u09b0\u09a7\u09be\u09a8 \u0995\u09be\u09b0\u09a3\u09b8\u09ae\u09c2\u09b9:<\/b><\/p>\r\n<ul data-path-to-node=\"9\">\r\n<li>\r\n<p data-path-to-node=\"9,0,0\"><b data-path-to-node=\"9,0,0\" data-index-in-node=\"0\">\u0989\u099a\u09cd\u099a \u0996\u09c7\u09b2\u09be\u09aa\u09bf \u098b\u09a3:<\/b> \u09ac\u09dc \u098b\u09a3\u0997\u09cd\u09b0\u09b9\u09c0\u09a4\u09be\u09a6\u09c7\u09b0 \u0985\u09a8\u09c7\u0995\u09c7\u0987 \u09ac\u099b\u09b0\u09c7\u09b0 \u09aa\u09b0 \u09ac\u099b\u09b0 \u099f\u09be\u0995\u09be \u09ab\u09c7\u09b0\u09a4 \u09a6\u09bf\u099a\u09cd\u099b\u09c7\u09a8 \u09a8\u09be, \u0985\u09a5\u099a \u0995\u09cd\u09b7\u09ae\u09a4\u09be\u09b0 \u09aa\u09cd\u09b0\u09ad\u09be\u09ac\u09c7 \u09a8\u09a4\u09c1\u09a8 \u09a8\u09a4\u09c1\u09a8 \u09b8\u09c1\u09ac\u09bf\u09a7\u09be \u09ac\u09be\u0997\u09bf\u09df\u09c7 \u09a8\u09bf\u099a\u09cd\u099b\u09c7\u09a8\u0964<\/p>\r\n<\/li>\r\n<li>\r\n<p data-path-to-node=\"9,1,0\"><b data-path-to-node=\"9,1,0\" data-index-in-node=\"0\">\u0985\u09a8\u09be\u09a6\u09be\u09af\u09bc\u09c0 \u09b8\u09c1\u09a6 \u0986\u09df:<\/b> \u098b\u09a3\u09c7\u09b0 \u099f\u09be\u0995\u09be \u0986\u09a6\u09be\u09df \u09a8\u09be \u09b9\u0993\u09df\u09be\u09df \u0995\u09be\u0997\u099c\u09c7-\u0995\u09b2\u09ae\u09c7 \u0986\u09df \u09a6\u09c7\u0996\u09be\u09b2\u09c7\u0993 \u09ac\u09be\u09b8\u09cd\u09a4\u09ac\u09c7 \u09ac\u09cd\u09af\u09be\u0982\u0995\u09c7\u09b0 \u09b9\u09be\u09a4\u09c7 \u09a8\u0997\u09a6 \u099f\u09be\u0995\u09be \u09a8\u09c7\u0987\u0964<\/p>\r\n<\/li>\r\n<li>\r\n<p data-path-to-node=\"9,2,0\"><b data-path-to-node=\"9,2,0\" data-index-in-node=\"0\">\u09a6\u09c1\u09b0\u09cd\u09ac\u09b2 \u099d\u09c1\u0981\u0995\u09bf \u09ac\u09cd\u09af\u09ac\u09b8\u09cd\u09a5\u09be\u09aa\u09a8\u09be:<\/b> \u098b\u09a3 \u09ac\u09bf\u09a4\u09b0\u09a3\u09c7\u09b0 \u0995\u09cd\u09b7\u09c7\u09a4\u09cd\u09b0\u09c7 \u09a8\u09bf\u09df\u09ae-\u09a8\u09c0\u09a4\u09bf\u09b0 \u09a4\u09cb\u09df\u09be\u0995\u09cd\u0995\u09be \u09a8\u09be \u0995\u09b0\u09be\u09df \u0985\u09a8\u09be\u09a6\u09be\u09af\u09bc\u09c0 \u098b\u09a3\u09c7\u09b0 \u09aa\u09b0\u09bf\u09ae\u09be\u09a3 \u09ac\u09be\u09dc\u099b\u09c7\u0964<\/p>\r\n<\/li>\r\n<li>\r\n<p data-path-to-node=\"9,3,0\"><b data-path-to-node=\"9,3,0\" data-index-in-node=\"0\">\u09aa\u09b0\u09bf\u099a\u09be\u09b2\u09a8 \u09ac\u09cd\u09af\u09df \u09ac\u09c3\u09a6\u09cd\u09a7\u09bf:<\/b> \u0995\u09bf\u099b\u09c1 \u09ac\u09cd\u09af\u09be\u0982\u0995\u09c7\u09b0 \u09aa\u09cd\u09b0\u09b6\u09be\u09b8\u09a8\u09bf\u0995 \u0993 \u09aa\u09b0\u09bf\u099a\u09be\u09b2\u09a8 \u09ac\u09cd\u09af\u09df \u0986\u09df\u09c7\u09b0 \u099a\u09c7\u09df\u09c7 \u09ac\u09c7\u09b6\u09bf \u09b9\u09df\u09c7 \u09a6\u09be\u0981\u09dc\u09bf\u09df\u09c7\u099b\u09c7\u0964<\/p>\r\n<\/li>\r\n<\/ul>\r\n<h3 data-path-to-node=\"10\"><b data-path-to-node=\"10\" data-index-in-node=\"0\">\u09b8\u09bf\u098f\u09b8\u0986\u09b0 \u09b6\u09c2\u09a8\u09cd\u09af \u09e7\u09e7 \u09ac\u09cd\u09af\u09be\u0982\u0995: \u09b8\u09be\u09ae\u09be\u099c\u09bf\u0995 \u09a6\u09be\u09df\u09ac\u09a6\u09cd\u09a7\u09a4\u09be\u09b0 \u09ae\u09c3\u09a4\u09cd\u09af\u09c1?<\/b><\/h3>\r\n<p data-path-to-node=\"11\">\u09ac\u09cd\u09af\u09be\u0982\u0995\u0997\u09c1\u09b2\u09cb \u09a4\u09be\u09a6\u09c7\u09b0 \u09a8\u09bf\u099f \u09ae\u09c1\u09a8\u09be\u09ab\u09be\u09b0 \u098f\u0995\u099f\u09bf \u0985\u0982\u09b6 \u09b6\u09bf\u0995\u09cd\u09b7\u09be, \u09b8\u09cd\u09ac\u09be\u09b8\u09cd\u09a5\u09cd\u09af, \u09aa\u09b0\u09bf\u09ac\u09c7\u09b6 \u098f\u09ac\u0982 \u099c\u09b2\u09ac\u09be\u09df\u09c1 \u09aa\u09b0\u09bf\u09ac\u09b0\u09cd\u09a4\u09a8\u09c7\u09b0 \u09aa\u09cd\u09b0\u09ad\u09be\u09ac \u09ae\u09cb\u0995\u09be\u09ac\u09c7\u09b2\u09be\u09df \u09ac\u09cd\u09af\u09df \u0995\u09b0\u09c7 \u09a5\u09be\u0995\u09c7\u0964 \u0995\u09bf\u09a8\u09cd\u09a4\u09c1 \u09e8\u09e6\u09e8\u09eb \u09b8\u09be\u09b2\u09c7 \u09e7\u09e7\u099f\u09bf \u09ac\u09cd\u09af\u09be\u0982\u0995\u2014\u09af\u09be\u09b0 \u09ae\u09a7\u09cd\u09af\u09c7 \u099c\u09a8\u09a4\u09be, \u0985\u0997\u09cd\u09b0\u09a3\u09c0, \u09ac\u09c7\u09b8\u09bf\u0995 \u0993 \u09ac\u09be\u0982\u09b2\u09be\u09a6\u09c7\u09b6 \u0995\u09ae\u09be\u09b0\u09cd\u09b8 \u09ac\u09cd\u09af\u09be\u0982\u0995 \u09b0\u09df\u09c7\u099b\u09c7\u2014\u098f\u0995\u099f\u09bf \u099f\u09be\u0995\u09be\u0993 \u098f\u0987 \u0996\u09be\u09a4\u09c7 \u0996\u09b0\u099a \u0995\u09b0\u09c7\u09a8\u09bf\u0964<\/p>\r\n<p data-path-to-node=\"12\">\u09b8\u09bf\u098f\u09b8\u0986\u09b0 \u0995\u09be\u09b0\u09cd\u09af\u0995\u09cd\u09b0\u09ae \u09b8\u09cd\u09a5\u09ac\u09bf\u09b0 \u09b9\u09df\u09c7 \u09af\u09be\u0993\u09df\u09be\u09b0 \u09ae\u09be\u09a8\u09c7 \u09b9\u09b2\u09cb, \u09b9\u09be\u099c\u09be\u09b0 \u09b9\u09be\u099c\u09be\u09b0 \u09a6\u09b0\u09bf\u09a6\u09cd\u09b0 \u09ae\u09c7\u09a7\u09be\u09ac\u09c0 \u09b6\u09bf\u0995\u09cd\u09b7\u09be\u09b0\u09cd\u09a5\u09c0\u09b0 \u09ac\u09c3\u09a4\u09cd\u09a4\u09bf \u09ac\u09a8\u09cd\u09a7 \u09b9\u09df\u09c7 \u09af\u09be\u0993\u09df\u09be, \u0997\u09cd\u09b0\u09be\u09ae\u09cd\u09af \u09b8\u09cd\u09ac\u09be\u09b8\u09cd\u09a5\u09cd\u09af\u0995\u09c7\u09a8\u09cd\u09a6\u09cd\u09b0\u0997\u09c1\u09b2\u09cb\u09b0 \u0985\u09a8\u09c1\u09a6\u09be\u09a8 \u09ac\u09a8\u09cd\u09a7 \u09b9\u0993\u09df\u09be \u098f\u09ac\u0982 \u09aa\u09b0\u09bf\u09ac\u09c7\u09b6 \u09b0\u0995\u09cd\u09b7\u09be \u0995\u09be\u09b0\u09cd\u09af\u0995\u09cd\u09b0\u09ae \u09a5\u09ae\u0995\u09c7 \u09af\u09be\u0993\u09df\u09be\u0964 \u09ac\u09bf\u09b6\u09c7\u09b7\u099c\u09cd\u099e\u09b0\u09be \u09ae\u09a8\u09c7 \u0995\u09b0\u099b\u09c7\u09a8, \u098f\u0987 \u09b6\u09c2\u09a8\u09cd\u09af \u09ac\u09cd\u09af\u09df \u0995\u09c7\u09ac\u09b2 \u0986\u09b0\u09cd\u09a5\u09bf\u0995 \u09a6\u09c1\u09b0\u09cd\u09ac\u09b2\u09a4\u09be \u09a8\u09df, \u09ac\u09b0\u0982 \u09b8\u09be\u09ae\u09be\u099c\u09bf\u0995 \u09a6\u09be\u09df\u09ac\u09a6\u09cd\u09a7\u09a4\u09be\u09b0 \u09aa\u09cd\u09b0\u09a4\u09bf \u099a\u09b0\u09ae \u0985\u09a8\u09c0\u09b9\u09be\u09b0\u0993 \u09ac\u09b9\u09bf\u0983\u09aa\u09cd\u09b0\u0995\u09be\u09b6\u0964 \u09ac\u09cd\u09af\u09be\u0982\u0995\u0997\u09c1\u09b2\u09cb \u09a8\u09bf\u099c\u09c7\u09a6\u09c7\u09b0 \u0985\u09ad\u09cd\u09af\u09a8\u09cd\u09a4\u09b0\u09c0\u09a3 \u09aa\u09cd\u09b0\u09b6\u09be\u09b8\u09a8\u09bf\u0995 \u0993 \u0986\u09b0\u09cd\u09a5\u09bf\u0995 \u09b8\u0982\u0995\u099f \u0995\u09be\u099f\u09be\u09a4\u09c7 \u098f\u09a4\u099f\u09be\u0987 \u09a6\u09bf\u09b6\u09c7\u09b9\u09be\u09b0\u09be \u09af\u09c7, \u09b8\u09be\u09a7\u09be\u09b0\u09a3 \u09ae\u09be\u09a8\u09c1\u09b7\u09c7\u09b0 \u0995\u09b2\u09cd\u09af\u09be\u09a3\u09c7 \u0996\u09b0\u099a \u0995\u09b0\u09be\u09b0 \u09ae\u09a4\u09cb \u09ae\u09be\u09a8\u09b8\u09bf\u0995\u09a4\u09be \u09ac\u09be \u09b8\u0995\u09cd\u09b7\u09ae\u09a4\u09be\u2014\u0995\u09cb\u09a8\u09cb\u099f\u09bf\u0987 \u09a4\u09be\u09a6\u09c7\u09b0 \u0985\u09ac\u09b6\u09bf\u09b7\u09cd\u099f \u09a8\u09c7\u0987\u0964<\/p>\r\n<h3 data-path-to-node=\"13\"><b data-path-to-node=\"13\" data-index-in-node=\"0\">\u09ae\u09c1\u09a8\u09be\u09ab\u09be \u09a8\u09c7\u0987 \u0995\u09bf\u09a8\u09cd\u09a4\u09c1 \u09b8\u09bf\u098f\u09b8\u0986\u09b0 \u0986\u099b\u09c7: \u098f\u0995 \u09b0\u09b9\u09b8\u09cd\u09af\u09ae\u09df \u09ac\u09c8\u09aa\u09b0\u09c0\u09a4\u09cd\u09af<\/b><\/h3>\r\n<p data-path-to-node=\"14\">\u09aa\u09cd\u09b0\u09a4\u09bf\u09ac\u09c7\u09a6\u09a8\u09c7\u09b0 \u098f\u0995\u099f\u09bf \u0985\u09a6\u09cd\u09ad\u09c1\u09a4 \u09a6\u09bf\u0995 \u09b9\u09b2\u09cb, \u09e8\u09e6\u09e8\u09ea \u09b8\u09be\u09b2\u09c7 \u09ae\u09c1\u09a8\u09be\u09ab\u09be \u0995\u09b0\u09a4\u09c7 \u09a8\u09be \u09aa\u09c7\u09b0\u09c7\u0993 \u09e8\u09e6\u09e8\u09eb \u09b8\u09be\u09b2\u09c7 \u09ec\u099f\u09bf \u09ac\u09cd\u09af\u09be\u0982\u0995 \u09b8\u09bf\u098f\u09b8\u0986\u09b0 \u09ac\u09cd\u09af\u09df \u0995\u09b0\u09c7\u099b\u09c7\u0964 \u09ac\u09bf\u09b6\u09cd\u09b2\u09c7\u09b7\u0995\u09a6\u09c7\u09b0 \u09ae\u09a4\u09c7, \u098f\u099f\u09bf \u09ae\u09c2\u09b2\u09a4 \u09aa\u09c2\u09b0\u09cd\u09ac\u09ac\u09b0\u09cd\u09a4\u09c0 \u09ac\u099b\u09b0\u09c7\u09b0 \u0985\u09ac\u09bf\u0995\u09cd\u09b0\u09bf\u09a4 \u09ac\u09be \u0985\u09ac\u09b6\u09bf\u09b7\u09cd\u099f \u09b8\u09bf\u098f\u09b8\u0986\u09b0 \u09ab\u09be\u09a8\u09cd\u09a1 (Reserve) \u09a5\u09c7\u0995\u09c7 \u0995\u09b0\u09be \u09b9\u09df\u09c7\u099b\u09c7\u0964 \u09a4\u09ac\u09c7 \u09aa\u09cd\u09b0\u09b6\u09cd\u09a8 \u0989\u09a0\u099b\u09c7, \u09af\u09c7\u0996\u09be\u09a8\u09c7 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\u098f\u099f\u09bf \u0995\u09bf \u0995\u09c7\u09ac\u09b2 \u0987\u09ae\u09c7\u099c \u09b0\u0995\u09cd\u09b7\u09be\u09b0 \u099a\u09c7\u09b7\u09cd\u099f\u09be \u09a8\u09be \u0995\u09bf \u0995\u09cb\u09a8\u09cb \u09aa\u09cd\u09b0\u09b6\u09be\u09b8\u09a8\u09bf\u0995 \u09b6\u09c1\u09ad\u0999\u09cd\u0995\u09b0\u09c7\u09b0 \u09ab\u09be\u0981\u0995\u09bf, \u09a4\u09be \u09a8\u09bf\u09df\u09c7 \u099c\u09b2\u09cd\u09aa\u09a8\u09be \u099a\u09b2\u099b\u09c7\u0964<\/p>\r\n<h3 data-path-to-node=\"15\"><b data-path-to-node=\"15\" data-index-in-node=\"0\">\u0996\u09c7\u09b2\u09be\u09aa\u09bf \u098b\u09a3\u09c7\u09b0 \u2018\u0995\u09cd\u09af\u09be\u09a8\u09b8\u09be\u09b0\u2019 \u0993 \u09b8\u09c1\u09b6\u09be\u09b8\u09a8\u09c7\u09b0 \u0985\u09ad\u09be\u09ac<\/b><\/h3>\r\n<p data-path-to-node=\"16\">\u09a6\u09c7\u09b6\u09c7\u09b0 \u09ac\u09cd\u09af\u09be\u0982\u0995\u09bf\u0982 \u0996\u09be\u09a4\u09c7\u09b0 \u09ac\u09b0\u09cd\u09a4\u09ae\u09be\u09a8 \u09b8\u0982\u0995\u099f\u09c7\u09b0 \u09ae\u09c2\u09b2\u09c7 \u09b0\u09df\u09c7\u099b\u09c7 \u0996\u09c7\u09b2\u09be\u09aa\u09bf \u098b\u09a3\u09c7\u09b0 \u09b2\u09be\u0997\u09be\u09ae\u09b9\u09c0\u09a8 \u09ac\u09c3\u09a6\u09cd\u09a7\u09bf\u0964 \u09ac\u09dc \u098b\u09a3\u0996\u09c7\u09b2\u09be\u09aa\u09bf\u09b0\u09be \u098b\u09a3\u09c7\u09b0 \u0995\u09bf\u09b8\u09cd\u09a4\u09bf \u09aa\u09b0\u09bf\u09b6\u09cb\u09a7 \u09a8\u09be \u0995\u09b0\u09c7\u0993 \u0986\u0987\u09a8\u09bf \u09ae\u09be\u09b0\u09aa\u09cd\u09af\u09be\u0981\u099a\u09c7 \u098f\u09ac\u0982 \u09b0\u09be\u099c\u09a8\u09c8\u09a4\u09bf\u0995 \u09aa\u09cd\u09b0\u09ad\u09be\u09ac\u09c7 \u09aa\u09be\u09b0 \u09aa\u09c7\u09df\u09c7 \u09af\u09be\u099a\u09cd\u099b\u09c7\u09a8\u0964 \u0985\u09a8\u09cd\u09af\u09a6\u09bf\u0995\u09c7, \u09ac\u09cd\u09af\u09be\u0982\u0995\u0997\u09c1\u09b2\u09cb\u09b0 \u09aa\u09b0\u09bf\u099a\u09be\u09b2\u09a8\u09be \u09aa\u09b0\u09cd\u09b7\u09a6\u09c7 \u09b8\u09cd\u09ac\u099a\u09cd\u099b\u09a4\u09be \u0993 \u099c\u09ac\u09be\u09ac\u09a6\u09bf\u09b9\u09bf\u09a4\u09be\u09b0 \u099a\u09b0\u09ae \u0985\u09ad\u09be\u09ac \u09a6\u09c7\u0996\u09be \u09af\u09be\u099a\u09cd\u099b\u09c7\u0964 \u09aa\u09cd\u09b0\u09ad\u09be\u09ac\u09b6\u09be\u09b2\u09c0 \u0997\u09cb\u09b7\u09cd\u09a0\u09c0 \u09af\u0996\u09a8 \u09ac\u09cd\u09af\u09be\u0982\u0995\u09c7\u09b0 \u09ac\u09be\u09a3\u09bf\u099c\u09cd\u09af\u09bf\u0995 \u09b8\u09bf\u09a6\u09cd\u09a7\u09be\u09a8\u09cd\u09a4\u09c7 \u09b9\u09b8\u09cd\u09a4\u0995\u09cd\u09b7\u09c7\u09aa \u0995\u09b0\u09c7, \u09a4\u0996\u09a8 \u09b8\u09c7\u0987 \u09ac\u09cd\u09af\u09be\u0982\u0995 \u09b8\u09be\u09a7\u09be\u09b0\u09a3 \u0997\u09cd\u09b0\u09be\u09b9\u0995\u09c7\u09b0 \u0986\u09b8\u09cd\u09a5\u09be\u09b0 \u09aa\u09cd\u09b0\u09a4\u09c0\u0995 \u09a8\u09be \u09b9\u09df\u09c7 \u098f\u0995\u099f\u09bf \u09ac\u09bf\u09b6\u09c7\u09b7 \u0997\u09cb\u09b7\u09cd\u09a0\u09c0\u09b0 \u2018\u099f\u09be\u0995\u09be \u09a4\u09cb\u09b2\u09be\u09b0 \u09ae\u09c7\u09b6\u09bf\u09a8\u09c7\u2019 \u09aa\u09b0\u09bf\u09a3\u09a4 \u09b9\u09df\u0964<\/p>\r\n<p data-path-to-node=\"17\">\u098f\u09b0 \u09b8\u09be\u09a5\u09c7 \u09af\u09c1\u0995\u09cd\u09a4 \u09b9\u09df\u09c7\u099b\u09c7 \u09aa\u09cd\u09b0\u09af\u09c1\u0995\u09cd\u09a4\u09bf\u0997\u09a4 \u09b8\u09c0\u09ae\u09be\u09ac\u09a6\u09cd\u09a7\u09a4\u09be\u0964 \u09e8\u09e6\u09e8\u09ec \u09b8\u09be\u09b2\u09c7 \u09a6\u09be\u0981\u09dc\u09bf\u09df\u09c7\u0993 \u0995\u09bf\u099b\u09c1 \u09ac\u09cd\u09af\u09be\u0982\u0995 \u098f\u0996\u09a8\u09cb \u09aa\u09c1\u09b0\u09a8\u09cb \u09b8\u09ab\u099f\u0993\u09df\u09cd\u09af\u09be\u09b0 \u0993 \u09ae\u09cd\u09af\u09be\u09a8\u09c1\u09df\u09be\u09b2 \u09b8\u09bf\u09b8\u09cd\u099f\u09c7\u09ae\u09c7 \u0995\u09be\u099c \u0995\u09b0\u099b\u09c7, \u09af\u09be \u09a1\u09bf\u099c\u09bf\u099f\u09be\u09b2 \u099c\u09be\u09b2\u09bf\u09df\u09be\u09a4\u09bf\u09b0 \u099d\u09c1\u0981\u0995\u09bf \u09ac\u09be\u09dc\u09be\u099a\u09cd\u099b\u09c7 \u098f\u09ac\u0982 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\u09b6\u09c2\u09a8\u09cd\u09af (\u09e8\u09e6\u09e8\u09eb) \u09ec\u099f\u09bf\u09ac\u09cd\u09af\u09be\u0982\u0995 \u09b2\u09cb\u0995\u09b8\u09be\u09a8\u09c7\u0993\u09b8\u09bf\u098f\u09b8\u0986\u09b0 \u0995\u09b0\u09c7\u099b\u09c7 \u09e9\u09ea\u09eb\u0995\u09cb\u099f\u09bf \u099f\u09be\u0995\u09be \u09ae\u09cb\u099f\u09b8\u09bf\u098f\u09b8\u0986\u09b0 \u09ac\u09cd\u09af\u09af\u09bc \u0995\u09cd\u09b7\u09a4\u09bf\u0997\u09cd\u09b0\u09b8\u09cd\u09a4 \u09ac\u09cd\u09af\u09be\u0982\u0995\u09c7\u09b0 \u09a4\u09be\u09b2\u09bf\u0995\u09be \ud83d\udcc9 \u09ae\u09c1\u09a8\u09be\u09ab\u09be\u09b9\u09c0\u09a8 \u09e7\u09ed \u09ac\u09cd\u09af\u09be\u0982\u0995 (\u09e8\u09e6\u09e8\u09ea) \u099c\u09a8\u09a4\u09be \u09ac\u09cd\u09af\u09be\u0982\u0995 \u2605 \u0985\u0997\u09cd\u09b0\u09a3\u09c0 \u09ac\u09cd\u09af\u09be\u0982\u0995 \u2605 \u09ac\u09c7\u09b8\u09bf\u0995 \u09ac\u09cd\u09af\u09be\u0982\u0995 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