Most & Least Stressed States (2026)

kAm%96C6 2C6 >2?J 5:776C6?E D@FC46D @7 DEC6DD[ 7C@> :?7=2E:@? E@ H@C< 5625=:?6D E@ C6=2E:@?D9:A E6?D:@?D] {2DE J62C[ p>6C:42?D’ 3:886DE k2 9C67lQ9EEADi^^HHH]2A2]@C8^AF3D^C6A@CED^DEC6DD\:?\2>6C:42^a_adQ E2C86ElQ03=2?<Q C6=lQ?@@A6?6CQmDEC6DD@CDk^2m :?4=F565 E96 7FEFC6 @7 E96 ?2E:@?[ E96 64@?@>J 2?5 H@C< W7@C E9@D6 6>A=@J65X[ 244@C5:?8 E@ E96 p>6C:42? !DJ49@=@8:42= pDD@4:2E:@?] %96D6 DEC6DD@CD 2C6 4@>A@F?565 3J H:56DAC625 766=:?8D @7 =@?6=:?6DD 2?5 6>@E:@?2= 5:D4@??64E[ H:E9 ?62C=J f_T @7 25F=ED C6A@CE:?8 E96J ?66565 >@C6 6>@E:@?2= DFAA@CE E92? E96J C646:G65 :? E96 A2DE J62C]k^Am

kAm(2==6EwF3 4@>A2C65 E96 d_ DE2E6D 24C@DD c_ <6J :?5:42E@CD @7 DEC6DD E@ 96=A A6@A=6 56E6C>:?6 H96C6 E@ =:G6 :? @C56C E@ 249:6G6 2 >@C6 C6=2I:?8 =:76] ~FC 52E2 D6E C2?86D 7C@> 2G6C286 9@FCD H@C<65 A6C H66< E@ E96 A6CD@?2= 32?<CFAE4J C2E6 E@ E96 D92C6 @7 25F=ED 86EE:?8 256BF2E6 D=66A]k^Am

kAmk:>8 4=2DDlQ65F\3=@4<BF@E6\:>8Q DC4lQ9EEADi^^45?]H2==6E9F3]4@>^H2==6E9F3^A@DED^`c`bca^49:A\=FA@]A?8Q 2=ElQ49:A =FA@Q ^m “%96C6 2C6 A=6?EJ @7 D>2== H2JD 7@C A6@A=6 E@ >2?286 DEC6DD[ 7C@> DE2J:?8 24E:G6 2?5 A2CE:4:A2E:?8 :? 9@33:6D E@ E2<:?8 G242E:@?D 7C@> H@C< 2?5 86EE:?8 96=A 7C@> 2 >6?E2= 962=E9 AC@76DD:@?2=] (92E >2?J A6@A=6 5@?’E C62=:K6[ E9@F89[ :D E92E 492?8:?8 =@42E:@? 42? 2=D@ 36 2 3:8 DEC6DD C65F46C] u@C 6I2>A=6[ DE2E6D E92E 92G6 =@H6C 4C:>6 C2E6D[ 36EE6C 962=E9 42C6 2?5 36EE6C 64@?@>:6D E6?5 E@ 92G6 >F49 =6DD DEC6DD65 C6D:56?ED]”k^Am

kAmr9:A {FA@[ (2==6EwF3 p?2=JDEk^Am

k@= 4=2DDlQE23=6\@7\4@?E6?EDQmk=:mk2 9C67lQR>2:?\7:?5:?8DQm|2:? u:?5:?8Dk^2mk^=:mk=:mk2 9C67lQR:?\56AE9Qmx?\s6AE9 {@@< 2E E96 |@DE $EC6DD65 $E2E6Dk^2mk^=:mk=:mk2 9C67lQR2D<\E96\6IA6CEDQmpD< E96 tIA6CEDk^2mk^=:mk=:mk2 9C67lQR>6E9@5@=@8JQm|6E9@5@=@8Jk^2mk^=:mk^@=m

kAmk2 ?2>6lQ>2:?\7:?5:?8DQ :5lQ>2:?\7:?5:?8DQmk^2mk^Am

kAmkDEC@?8m|2:? u:?5:?8Dk^DEC@?8mk^Am

kAmk:7C2>6 DC4lQ9EEADi^^45?]H2==6E9F3]4@>^H2==6E9F3^6>365^baa`g^86@492CE\DEC6DD65\DE2E6D\a_ae]9E>=Q H:5E9lQddeQ 96:89ElQbcfQ 7C2>63@C56ClQ_Q D4C@==:?8lQ?@Qmk^:7C2>6mk^Am

kAm|@DE $EC6DD65 $E2E6Dk^Am

kE23=6mkE9625mkECmkE9mkDEC@?8m~G6C2== #2?<Yk^DEC@?8mk^E9mkE9mkDEC@?8m$E2E6k^DEC@?8mk^E9mkE9mkDEC@?8m%@E2= $4@C6k^DEC@?8mk^E9mkE9mkDEC@?8m(@C<\#6=2E65 $EC6DD #2?<k^DEC@?8mk^E9mkE9mkDEC@?8m|@?6J\#6=2E65 $EC6DD #2?<k^DEC@?8mk^E9mkE9mkDEC@?8mu2>:=J\#6=2E65 $EC6DD #2?<k^DEC@?8mk^E9mkE9mkDEC@?8mw62=E9\ U2>Aj $276EJ\#6=2E65 $EC6DD #2?<k^DEC@?8mk^E9mk^ECmk^E9625mkECmkE5m`k^E5mkE5m{@F:D:2?2k^E5mkE5mea]gek^E5mkE5m`k^E5mkE5mbk^E5mkE5mek^E5mkE5mak^E5mk^ECmkECmkE5mak^E5mkE5mz6?EF4<Jk^E5mkE5mdg]`gk^E5mkE5mbk^E5mkE5mfk^E5mkE5mck^E5mkE5mek^E5mk^ECmkECmkE5mbk^E5mkE5m}6H |6I:4@k^E5mkE5mdf]edk^E5mkE5mahk^E5mkE5mdk^E5mkE5m`k^E5mkE5m`bk^E5mk^ECmkECmkE5mck^E5mkE5m(6DE ':C8:?:2k^E5mkE5mde]a_k^E5mkE5m`bk^E5mkE5mck^E5mkE5m`fk^E5mkE5mbk^E5mk^ECmkECmkE5mdk^E5mkE5mpC<2?D2Dk^E5mkE5mdd]e_k^E5mkE5mbbk^E5mkE5mak^E5mkE5madk^E5mkE5m`k^E5mk^ECmkECmkE5mek^E5mkE5m}6G252k^E5mkE5mdb]gak^E5mkE5mb`k^E5mkE5mgk^E5mkE5m``k^E5mkE5mck^E5mk^ECmkECmkE5mfk^E5mkE5m~<=29@>2k^E5mkE5mdb]cfk^E5mkE5mack^E5mkE5m`_k^E5mkE5m`_k^E5mkE5mgk^E5mk^ECmkECmkE5mgk^E5mkE5m~C68@?k^E5mkE5mda]bhk^E5mkE5mbhk^E5mkE5m``k^E5mkE5mak^E5mkE5m`ak^E5mk^ECmkECmkE5mhk^E5mkE5m|:DD:DD:AA:k^E5mkE5mda]`ek^E5mkE5mbek^E5mkE5m`k^E5mkE5mbbk^E5mkE5mhk^E5mk^ECmkECmkE5m`_k^E5mkE5mp=232>2k^E5mkE5md_]hhk^E5mkE5mcbk^E5mkE5mek^E5mkE5m`ck^E5mkE5m`_k^E5mk^ECmkECmkE5m``k^E5mkE5m%6??6DD66k^E5mkE5md_]bdk^E5mkE5mbck^E5mkE5m`bk^E5mkE5mabk^E5mkE5mdk^E5mk^ECmkECmkE5m`ak^E5mkE5mr2=:7@C?:2k^E5mkE5mch]edk^E5mkE5mgk^E5mkE5m`gk^E5mkE5mdk^E5mkE5mb`k^E5mk^ECmkECmkE5m`bk^E5mkE5m(J@>:?8k^E5mkE5mch]b_k^E5mkE5mak^E5mkE5m`ek^E5mkE5mc_k^E5mkE5m`gk^E5mk^ECmkECmkE5m`ck^E5mkE5mpC:K@?2k^E5mkE5mcg]_hk^E5mkE5mcck^E5mkE5m`ak^E5mkE5mfk^E5mkE5m`fk^E5mk^ECmkECmkE5m`dk^E5mkE5m%6I2Dk^E5mkE5mcf]hfk^E5mkE5m`hk^E5mkE5magk^E5mkE5mb`k^E5mkE5mfk^E5mk^ECmkECmkE5m`ek^E5mkE5mx?5:2?2k^E5mkE5mcf]hek^E5mkE5ma`k^E5mkE5m`fk^E5mkE5mahk^E5mkE5m`hk^E5mk^ECmkECmkE5m`fk^E5mkE5m|:49:82?k^E5mkE5mce]ffk^E5mkE5m`dk^E5mkE5mbck^E5mkE5m`gk^E5mkE5m`ck^E5mk^ECmkECmkE5m`gk^E5mkE5m}6H *@C<k^E5mkE5mce]d`k^E5mkE5mdk^E5mkE5mbak^E5mkE5mbk^E5mkE5mcdk^E5mk^ECmkECmkE5m`hk^E5mkE5m|@?E2?2k^E5mkE5mce]cck^E5mkE5mcek^E5mkE5mhk^E5mkE5mack^E5mkE5maak^E5mk^ECmkECmkE5ma_k^E5mkE5mu=@C:52k^E5mkE5mce]`ek^E5mkE5mc_k^E5mkE5m`hk^E5mkE5mgk^E5mkE5mafk^E5mk^ECmkECmkE5ma`k^E5mkE5m(2D9:?8E@?k^E5mkE5mce]_hk^E5mkE5m`ek^E5mkE5mcgk^E5mkE5mhk^E5mkE5m``k^E5mk^ECmkECmkE5maak^E5mkE5m#9@56 xD=2?5k^E5mkE5mcd]bdk^E5mkE5m`fk^E5mkE5maak^E5mkE5m`bk^E5mkE5mbhk^E5mk^ECmkECmkE5mabk^E5mkE5ms6=2H2C6k^E5mkE5mcd]_fk^E5mkE5mek^E5mkE5mb_k^E5mkE5ma`k^E5mkE5mbdk^E5mk^ECmkECmkE5mack^E5mkE5mp=2D<2k^E5mkE5mcd]_dk^E5mkE5mck^E5mkE5mbbk^E5mkE5mcak^E5mkE5m`ek^E5mk^ECmkECmkE5madk^E5mkE5mv6@C8:2k^E5mkE5mcd]__k^E5mkE5magk^E5mkE5ma_k^E5mkE5mbfk^E5mkE5ma_k^E5mk^ECmkECmkE5maek^E5mkE5m|2:?6k^E5mkE5mcc]`ck^E5mkE5mcgk^E5mkE5m`dk^E5mkE5m`ek^E5mkE5ma`k^E5mk^ECmkECmkE5mafk^E5mkE5m~9:@k^E5mkE5mcb]hbk^E5mkE5madk^E5mkE5mbhk^E5mkE5m`hk^E5mkE5mabk^E5mk^ECmkECmkE5magk^E5mkE5mr@=@C25@k^E5mkE5mcb]h_k^E5mkE5m``k^E5mkE5mbdk^E5mkE5mafk^E5mkE5mahk^E5mk^ECmkECmkE5mahk^E5mkE5m$@FE9 r2C@=:?2k^E5mkE5mcb]gdk^E5mkE5mc`k^E5mkE5ma`k^E5mkE5mbak^E5mkE5madk^E5mk^ECmkECmkE5mb_k^E5mkE5mx==:?@:Dk^E5mkE5mcb]gak^E5mkE5mfk^E5mkE5mc`k^E5mkE5mb_k^E5mkE5magk^E5mk^ECmkECmkE5mb`k^E5mkE5m|:DD@FC:k^E5mkE5mcb]e`k^E5mkE5mb_k^E5mkE5mahk^E5mkE5mbgk^E5mkE5m`dk^E5mk^ECmkECmkE5mbak^E5mkE5m|2CJ=2?5k^E5mkE5mca]d`k^E5mkE5mhk^E5mkE5mcdk^E5mkE5m`dk^E5mkE5mc`k^E5mk^ECmkECmkE5mbbk^E5mkE5m}63C2D<2k^E5mkE5mca]cdk^E5mkE5maek^E5mkE5mb`k^E5mkE5m`ak^E5mkE5mcbk^E5mk^ECmkECmkE5mbck^E5mkE5m!6??DJ=G2?:2k^E5mkE5mca]aak^E5mkE5maak^E5mkE5mbfk^E5mkE5mbdk^E5mkE5maek^E5mk^ECmkECmkE5mbdk^E5mkE5m}@CE9 r2C@=:?2k^E5mkE5mc`]e_k^E5mkE5mbgk^E5mkE5mack^E5mkE5mbck^E5mkE5mbck^E5mk^ECmkECmkE5mbek^E5mkE5mz2?D2Dk^E5mkE5mc`]agk^E5mkE5m`ak^E5mkE5madk^E5mkE5mcgk^E5mkE5mack^E5mk^ECmkECmkE5mbfk^E5mkE5m(:D4@?D:?k^E5mkE5mc`]_`k^E5mkE5mbdk^E5mkE5mcak^E5mkE5maak^E5mkE5mb_k^E5mk^ECmkECmkE5mbgk^E5mkE5m':C8:?:2k^E5mkE5mc_]gak^E5mkE5ma_k^E5mkE5mchk^E5mkE5ma_k^E5mkE5mbek^E5mk^ECmkECmkE5mbhk^E5mkE5mw2H2::k^E5mkE5mbh]`ck^E5mkE5m`ck^E5mkE5maek^E5mkE5mc`k^E5mkE5mchk^E5mk^ECmkECmkE5mc_k^E5mkE5m}6H y6CD6Jk^E5mkE5mbg]`fk^E5mkE5m`_k^E5mkE5mcek^E5mkE5mbhk^E5mkE5mcck^E5mk^ECmkECmkE5mc`k^E5mkE5mx@H2k^E5mkE5mbf]agk^E5mkE5mafk^E5mkE5mbek^E5mkE5mcdk^E5mkE5mbbk^E5mk^ECmkECmkE5mcak^E5mkE5m|2DD249FD6EEDk^E5mkE5mbe]dck^E5mkE5mbak^E5mkE5mcck^E5mkE5magk^E5mkE5md_k^E5mk^ECmkECmkE5mcbk^E5mkE5mr@??64E:4FEk^E5mkE5mbe]cek^E5mkE5mbfk^E5mkE5mbgk^E5mkE5mbek^E5mkE5mcek^E5mk^ECmkECmkE5mcck^E5mkE5m}@CE9 s2<@E2k^E5mkE5mbd]gck^E5mkE5m`gk^E5mkE5mc_k^E5mkE5mcck^E5mkE5mcgk^E5mk^ECmkECmkE5mcdk^E5mkE5mx529@k^E5mkE5mbd]`ak^E5mkE5mcfk^E5mkE5m`ck^E5mkE5mcek^E5mkE5mcak^E5mk^ECmkECmkE5mcek^E5mkE5m'6C>@?Ek^E5mkE5mbb]ffk^E5mkE5md_k^E5mkE5mafk^E5mkE5maek^E5mkE5mcfk^E5mk^ECmkECmkE5mcfk^E5mkE5m}6H w2>AD9:C6k^E5mkE5mbb]d`k^E5mkE5mcdk^E5mkE5mcfk^E5mkE5mcbk^E5mkE5mbgk^E5mk^ECmkECmkE5mcgk^E5mkE5m|:??6D@E2k^E5mkE5mbb]d_k^E5mkE5mabk^E5mkE5md_k^E5mkE5mcfk^E5mkE5mc_k^E5mk^ECmkECmkE5mchk^E5mkE5m&E29k^E5mkE5mba]e`k^E5mkE5mchk^E5mkE5mabk^E5mkE5md_k^E5mkE5mbak^E5mk^ECmkECmkE5md_k^E5mkE5m$@FE9 s2<@E2k^E5mkE5mba]bdk^E5mkE5mcak^E5mkE5mcbk^E5mkE5mchk^E5mkE5mbfk^E5mk^ECmk^E23=6m

kAm}@E6Di Y}@] ` l |@DE $EC6DD65 (:E9 E96 6I46AE:@? @7 “%@E2= $4@C6[” E96 4@=F>?D :? E96 E23=6 23@G6 56A:4E E96 C6=2E:G6 C2?< @7 6249 DE2E6[ 2?5 2 C2?< @7 ` C6AC6D6?ED E96 H@CDE 4@?5:E:@?D 7@C 6249 42E68@CJ]k^Am

kAm,65F\:?7@\8C2A9:4 >6EC:4DlQ,65F\:?7@\>6EC:4 :>8lV9EEADi^^45?]H2==6E9F3]4@>^H2==6E9F3^A@DED^`f_`gc^>6EC:4\`]A?8V 96256ClVpG8] w@FCD (@C<65 A6C (66<V =67ElV|@DE M `] p=2D<2 M %\a] {@F:D:2?2 M %\a] %6I2D M c] |:DD:DD:AA: M %\d] $@FE9 s2<@E2 M %\d] (J@>:?8V C:89ElVu6H6DE M %\cc] }6H *@C< M %\cc] |2DD249FD6EED M cf] ~C68@? M cg] #9@56 xD=2?5 M ch] '6C>@?E M d_] &E29V. MM ,65F\:?7@\>6EC:4 :>8lV9EEADi^^45?]H2==6E9F3]4@>^H2==6E9F3^A@DED^`f_`gd^>6EC:4\a]A?8V 96256ClVpG8] w@FCD @7 $=66A A6C }:89EV =67ElVu6H6DE M `] w2H2:: M a] (6DE ':C8:?:2 M b] p=232>2 M c] {@F:D:2?2 M %\d] pC<2?D2D M %\d] ~9:@V C:89ElV|@DE M ce] ~C68@? M cf] }63C2D<2 M cg] r@=@C25@ M ch] |:??6D@E2 M d_] '6C>@?EV. MM ,65F\:?7@\>6EC:4 :>8lV9EEADi^^45?]H2==6E9F3]4@>^H2==6E9F3^A@DED^`f_`ge^>6EC:4\b]A?8V 96256ClVT @7 p5F=ED :? u2:C^!@@C w62=E9V =67ElVw:896DE M `] (6DE ':C8:?:2 M a] pC<2?D2D M b] {@F:D:2?2 M c] z6?EF4<J M %\d] |:DD:DD:AA: M %\d] %6??6DD66V 7@@E6ClVq6DE $E2E6 GD] (@CDE $E2E6i aI s:776C6?46 M (6DE ':C8:?:2 GD] '6C>@?EV C:89ElV{@H6DE M ce] |:??6D@E2 M cf] }@CE9 s2<@E2 M cg] }6H w2>AD9:C6 M ch] |2DD249FD6EED M d_] '6C>@?EV. MM ,65F\:?7@\>6EC:4 :>8lV9EEADi^^45?]H2==6E9F3]4@>^H2==6E9F3^A@DED^`f_`gf^>6EC:4\c]A?8V 96256ClVy@3 $64FC:EJV =67ElV{@H6DE M `] {@F:D:2?2 M a] (J@>:?8 M b] (6DE ':C8:?:2 M c] x@H2 M d] r@=@C25@V C:89ElVw:896DE M ce] }6G252 M cf] |:DD:DD:AA: M cg] |2DD249FD6EED M ch] x529@ M d_] %6I2DV. MM ,65F\:?7@\>6EC:4 :>8lV9EEADi^^45?]H2==6E9F3]4@>^H2==6E9F3^A@DED^`f_`gg^>6EC:4\d]A?8V 96256ClVrC65:E $4@C6V =67ElV{@H6DE M `] |:DD:DD:AA: M %\a] p=232>2 M %\a] {@F:D:2?2 M c] %6I2D M %\d] v6@C8:2 M %\d] ~<=29@>2V C:89ElVw:896DE M ce] (2D9:?8E@? M cf] (:D4@?D:? M cg] '6C>@?E M ch] }6H w2>AD9:C6 M d_] |:??6D@E2V. MM ,65F\:?7@\>6EC:4 :>8lV9EEADi^^45?]H2==6E9F3]4@>^H2==6E9F3^A@DED^`f_`gh^>6EC:4\e]A?8V 96256ClVp77@C523=6 w@FD:?8V =67ElV{62DE M `] r2=:7@C?:2 M a] w2H2:: M b] }6H *@C< M c] u=@C:52 M d] }6G252V 7@@E6ClVq6DE $E2E6 GD] (@CDE $E2E6i ahI s:776C6?46 M r2=:7@C?:2 GD] x@H2V C:89ElV|@DE M ce] }63C2D<2 M cf] (6DE ':C8:?:2 M cg] }@CE9 s2<@E2 M ch] z2?D2D M d_] x@H2V. MM ,65F\:?7@\>6EC:4 :>8lV9EEADi^^45?]H2==6E9F3]4@>^H2==6E9F3^A@DED^`f_`h_^>6EC:4\f]A?8V 96256ClVT @7 !@AF=2E:@? {:G:?8 :? !@G6CEJV =67ElVw:896DE M %\`] |:DD:DD:AA: M %\`] {@F:D:2?2 M b] }6H |6I:4@ M c] (6DE ':C8:?:2 M d] z6?EF4<JV 7@@E6ClVq6DE $E2E6 GD] (@CDE $E2E6i bI s:776C6?46 M |:DD:DD:AA: GD] }6H w2>AD9:C6V C:89ElV{@H6DE M %\ce] |2CJ=2?5 M %\ce] r@=@C25@ M cg] |:??6D@E2 M ch] &E29 M d_] }6H w2>AD9:C6V. MM ,65F\:?7@\>6EC:4 :>8lV9EEADi^^45?]H2==6E9F3]4@>^H2==6E9F3^A@DED^`f_`h`^>6EC:4\g]A?8V 96256ClVs:G@C46 #2E6V =67ElVw:896DE M `] }6H |6I:4@ M a] }6G252 M b] {@F:D:2?2 M c] |:DD:DD:AA: M d] u=@C:52V 7@@E6ClVq6DE $E2E6 GD] (@CDE $E2E6i aI s:776C6?46 M }6H |6I:4@ GD] &E29V C:89ElV{@H6DE M ce] w2H2:: M cf] |:??6D@E2 M cg] }@CE9 s2<@E2 M ch] }6H y6CD6J M d_] &E29V. MM ,65F\:?7@\>6EC:4 :>8lV9EEADi^^45?]H2==6E9F3]4@>^H2==6E9F3^A@DED^`f_`ha^>6EC:4\h]A?8V 96256ClVrC:>6 #2E6 A6C r2A:E2V =67ElVw:896DE M `] }6H |6I:4@ M a] r@=@C25@ M b] %6??6DD66 M c] {@F:D:2?2 M d] pC<2?D2DV 7@@E6ClVq6DE $E2E6 GD] (@CDE $E2E6i `gI s:776C6?46 M }6H |6I:4@ GD] }6H w2>AD9:C6V C:89ElV{@H6DE M ce] r@??64E:4FE M cf] x529@ M cg] #9@56 xD=2?5 M ch] |2:?6 M d_] }6H w2>AD9:C6V. MM ,65F\:?7@\>6EC:4 :>8lV9EEADi^^45?]H2==6E9F3]4@>^H2==6E9F3^A@DED^`f_`hb^>6EC:4\`_]A?8V 96256ClV!DJ49@=@8:DED A6C r2A:E2V =67ElVu6H6DE M `] |:DD:DD:AA: M a] p=232>2 M b] |2:?6 M c] w2H2:: M d] {@F:D:2?2V 7@@E6ClVq6DE $E2E6 GD] (@CDE $E2E6i fI s:776C6?46 M |:DD:DD:AA: GD] |2DD249FD6EEDV C:89ElV|@DE M ce] r@=@C25@ M cf] |2CJ=2?5 M cg] #9@56 xD=2?5 M ch] }6H *@C< M d_] |2DD249FD6EEDV.Q.k^Am

kAmk2 ?2>6lQ:?\56AE9Q :5lQ:?\56AE9Qmk^2mk^Am

kAmkDEC@?8mx?\s6AE9 {@@< 2E E96 |@DE $EC6DD65 $E2E6Dk^DEC@?8m {@F:D:2?2k^Am

kAm{@F:D:2?2 C2?<D 2D E96 >@DE DEC6DD65 DE2E6[ :? =2C86 A2CE 3642FD6 :E 92D E96 9:896DE A@G6CEJ C2E6 :? E96 4@F?ECJ] pC@F?5 `eT @7 C6D:56?ED 92G6?’E D66? 2 5@4E@C :? E96 A2DE J62C 5F6 E@ E96 4@DE] x? 255:E:@?[ {@F:D:2?2 C2?<D 2>@?8 E96 `_ H@CDE DE2E6D 7@C 3@E9 E96 D92C6 @7 25F=ED C6A@CE:?8 A@@C >6?E2= 962=E9 2?5 E96 D92C6 @7 25F=ED 5:28?@D65 H:E9 56AC6DD:@?] #6D:56?ED >2J 2=D@ 7:?5 :E 5:77:4F=E E@ 7:?5 D@>6@?6 E@ 255C6DD >6?E2= 962=E9 :DDF6D[ D:?46 {@F:D:2?2 92D 76H6C ADJ49@=@8:DED A6C 42A:E2 E92? >@DE @E96C DE2E6D]k^Am

kAm{2DE=J[ E96 q2J@F $E2E6 925 E96 6:89E9\9:896DE 2G6C286 F?6>A=@J>6?E C2E6 :? E96 4@F?ECJ =2DE J62C[ 2?5 :E 92D E96 =@H6DE ;@3 D64FC:EJ E92? 2== DE2E6D]k^Am

kAmz6?EF4<Jk^Am

kAmz6?EF4<J 92D E96 D64@?5\>@DE DEC6DD65 C6D:56?ED[ 2?5 >2?J @7 E96 =2C86DE 4@?EC:3FE:?8 724E@CD 2C6 7:?2?4:2= :? ?2EFC6] %96 DE2E6 92D E96 E9:C5\9:896DE F?6>A=@J>6?E C2E6 :? E96 4@F?ECJ[ D:IE9\9:896DE 32?<CFAE4J C2E6[ 2?5 @?6 @7 E96 =@H6DE >65:2? 4C65:E D4@C6D[ 2E egh] %96D6 5:77:4F=E 4@?5:E:@?D H:== :>A24E E96:C 7:?2?4:2= 42A23:=:E:6D 7@C J62CD E@ 4@>6]k^Am

kAmz6?EF4<J $E2E6 C6D:56?ED 6IA6C:6?46 2 =@E @7 DEC6DD :? E96:C 72>:=J =:G6D[ E@@[ H:E9 D@>6 @7 E96 9:896DE C2E6D @7 D6A2C2E:@?[ 5:G@C46 2?5 A2C6?E2= DEC6DD :? E96 4@F?ECJ]k^Am

kAmu:?2==J[ 962=E9 :D 2 3:8 4@?46C?] pC@F?5 abT @7 z6?EF4<J C6D:56?ED C6A@CE E92E E96:C 962=E9 :D “72:C” @C “A@@C[” E96 7@FCE9\9:896DE C2E6 :? E96 4@F?ECJ] p55:E:@?2= :?5:42E@CD D9@H E92E z6?EF4<J 92D E96 `_E9\=2C86DE D92C6 @7 25F=ED H:E9 A@@C >6?E2= 962=E9 2?5 E96 D64@?5\=2C86DE D92C6 @7 25F=ED 5:28?@D65 H:E9 56AC6DD:@?] %96D6 7:8FC6D 9:89=:89E 3C@256C 962=E9 492==6?86D 724:?8 C6D:56?ED 24C@DD E96 DE2E6]k^Am

kAm}6H |6I:4@k^Am

kAm}6H |6I:4@ :D E96 E9:C5\>@DE DEC6DD65 DE2E6[ :? =2C86 A2CE 3642FD6 :E 92D E96 D64@?5\9:896DE G:@=6?E 4C:>6 C2E6D A6C 42A:E2 2?5 9:896DE AC@A6CEJ 4C:>6 C2E6D A6C 42A:E2] %96D6 EJA6D @7 E9C62ED 42FD6 C6D:56?ED E@ H@CCJ 23@FE E96:C D276EJ]k^Am

kAm#6D:56?ED @7 }6H |6I:4@ 2=D@ 92G6 E96 9:896DE D6A2C2E:@? 2?5 5:G@C46 C2E6 :? E96 4@F?ECJ[ 2?5 E96 E9:C5\9:896DE D92C6 @7 9@FD69@=5D E92E 92G6 2 D:?8=6 A2C6?E] %96D6 4@?5:E:@?D 42? AFE 6I46DD DEC6DD @? 49:=5C6? 2?5 A2C6?ED 2=:<6]k^Am

kAmu:?2?4:2= 4@?5:E:@?D :? }6H |6I:4@ 2=D@ 4@?EC:3FE6 E@ A6@A=6’D DEC6DD =6G6=D] }6H |6I:4@ 92D E96 D64@?5\9:896DE A@G6CEJ C2E6 :? E96 4@F?ECJ[ 2?5 C6D:56?ED 92G6 @?6 @7 E96 =@H6DE >65:2? 4C65:E D4@C6D[ 2E ;FDE eha] {@H :?4@>6D 2?5 =@H 4C65:E D4@C6D >2<6 :E 5:77:4F=E 7@C C6D:56?ED E@ 86E 4C65:E[ AFC492D6 9@>6D 2?5 G69:4=6D[ 2?5 @E96CH:D6 :>AC@G6 E96:C 64@?@>:4 DE2EFD]k^Am

kAmkDEC@?8mpD<k2 ?2>6lQ2D<\E96\6IA6CEDQ :5lQ2D<\E96\6IA6CEDQmk^2m E96 tIA6CEDk^DEC@?8mk^Am

kAmu@C E96 36DE H2JD E@ 4@A6 H:E9 ?682E:G6 DEC6DD@CD[ H6 EFC?65 E@ 2 A2?6= @7 6IA6CED] *@F 42? C625 E96:C 3:@D 2?5 E9@F89ED @? E96 7@==@H:?8 <6J BF6DE:@?D 36=@H]k^Am

k@=mk=:m(92E E:AD 5@ J@F 92G6 7@C 7:89E:?8 DEC6DD H:E9@FE DA6?5:?8 >@?6Jnk^=:mk=:m(92E DE6AD 42? A6@A=6 E2<6 E@ C65F46 E96:C DEC6DD @G6C 7:?2?46Dnk^=:mk=:m$9@F=5 :?DFC2?46 4@>A2?:6D 4@G6C EC62E>6?ED E92E 96=A C65F46 DEC6DDnk^=:mk=:m(92E E:AD 5@ J@F 92G6 7@C A2C6?ED ECJ:?8 E@ >:?:>:K6 E96:C 49:=5C6?’D DEC6DD =6G6=Dnk^=:mk=:m(92E 42? A6@A=6 5@ E@ 255C6DD E96 7:?2?4:2= DEC6DD 42FD65 3J E96 4FCC6?E 64@?@>:4 6?G:C@?>6?Enk^=:mk^@=m

kAmk2 9C67lQRQ 4=2DDlQ2CC@H=67EQmU=Ejk^2m k2 9C67lQRQ 4=2DDlQ2CC@HC:89EQmU8Ejk^2mk^Am

kF=mk=:mk2 9C67lQRQ 52E2\6:5lQ`ehhfaQmk:>8 DC4lQ9EEADi^^45?]H2==6E9F3]4@>^H2==6E9F3^A@DED^`ehhfa^5C]\92:J@?8\=:F\];A8Q H:5E9lQ``_Q 96:89ElQ``_Q 2=ElQQ ^m kDEC@?8msC] w2:J@?8 {:Fk^DEC@?8m r92:C \ !C@76DD@C \ u:?2?46 U2>Aj t4@?@>:4D \ %6I2D $E2E6 &?:G6CD:EJk^2mk^=:mk=:mk2 9C67lQRQ 52E2\6:5lQ`f_behQmk:>8 DC4lQ9EEADi^^45?]H2==6E9F3]4@>^H2==6E9F3^A@DED^`f_beh^42DD2?5C2\5]\492?6J];A8Q H:5E9lQ``_Q 96:89ElQ``_Q 2=ElQQ ^m kDEC@?8mr2DD2?5C2 s] r92?6Jk^DEC@?8m !9]s] – y] uC2?<=:? q2J9: t?5@H65 !C@76DD@C[ !C@8C2> :? wF>2? s6G6=@A>6?E 2?5 u2>:=J $4:6?46 Wwsu$X :? E96 $49@@= @7 $@4:2= (@C<[ r@==686 @7 wF>2? $4:6?46D 2?5 t5F42E:@? \ {@F:D:2?2 $E2E6 &?:G6CD:EJk^2mk^=:mk=:mk2 9C67lQRQ 52E2\6:5lQ`f_bf_Qmk:>8 DC4lQ9EEADi^^45?]H2==6E9F3]4@>^H2==6E9F3^A@DED^`f_bf_^2?5C6H\3FC?DE:?6\];A8Q H:5E9lQ``_Q 96:89ElQ``_Q 2=ElQQ ^m kDEC@?8mp?5C6H qFC?DE:?6k^DEC@?8m !9]s] – pDD@4:2E6 !C@76DD@C[ r@==686 @7 qFD:?6DD 2?5 |2?286>6?E \ {J?? &?:G6CD:EJk^2mk^=:mk=:mk2 9C67lQRQ 52E2\6:5lQ`f_bf`Qmk:>8 DC4lQ9EEADi^^45?]H2==6E9F3]4@>^H2==6E9F3^A@DED^`f_bf`^49C:DE:2?\A]\?6F>2?\];A8Q H:5E9lQ``_Q 96:89ElQ``_Q 2=ElQQ ^m kDEC@?8mr9C:DE:2? !] }6F>2?k^DEC@?8m !9]s][ |qp – pDD:DE2?E !C@76DD@C @7 |2C<6E:?8[ !2C<6C r@==686 @7 qFD:?6DD \ v6@C8:2 $@FE96C? &?:G6CD:EJk^2mk^=:mk=:mk2 9C67lQRQ 52E2\6:5lQ`chaafQmk:>8 DC4lQ9EEADi^^45?]H2==6E9F3]4@>^H2==6E9F3^A@DED^`chaaf^52G:5\C]\<@E@<\];A68Q H:5E9lQ``_Q 96:89ElQ``_Q 2=ElQQ ^m kDEC@?8ms2G:5 #] z@E@<k^DEC@?8m r@\u@F?56C U2>Aj $EC2E68:4 p5G:D@C[ rF>36C=2?5 p5G:D@CDk^2mk^=:mk=:mk2 9C67lQRQ 52E2\6:5lQ`chaagQmk:>8 DC4lQ9EEADi^^45?]H2==6E9F3]4@>^H2==6E9F3^A@DED^`chaag^52?2\2?DA249];A68Q H:5E9lQ``_Q 96:89ElQ``_Q 2=ElQQ ^m kDEC@?8ms2?2 p?DA249k^DEC@?8m ru!®[ #|p®[ z@=36 r6CE:7:65%| r@?DF=E2?E We\d\g\aX – u@F?56C 2?5 rt~ – $6?D:3=6 |@?6J[ {{rk^2mk^=:mk^F=m

kAm|@C6 tIA6CEDk^Am

kAmk2 ?2>6lQ>6E9@5@=@8JQ :5lQ>6E9@5@=@8JQmk^2mk^Am

kAmkDEC@?8m|6E9@5@=@8Jk^DEC@?8mk^Am

kAmx? @C56C E@ 56E6C>:?6 E96 >@DE 2?5 =62DE DEC6DD65 DE2E6D[ (2==6EwF3 4@>A2C65 E96 d_ DE2E6D 24C@DD 7@FC <6J 5:>6?D:@?Di `X (@C<\#6=2E65 $EC6DD[ aX |@?6J\#6=2E65 $EC6DD[ bX u2>:=J\#6=2E65 $EC6DD[ cX w62=E9\ U2>Aj $276EJ\#6=2E65 $EC6DD]k^Am

kAm(6 6G2=F2E65 E9@D6 5:>6?D:@?D FD:?8 c_ C6=6G2?E >6EC:4D[ H9:49 2C6 =:DE65 36=@H H:E9 E96:C 4@CC6DA@?5:?8 H6:89ED] t249 >6EC:4 H2D 8C2565 @? 2 `__\A@:?E D42=6[ H:E9 2 D4@C6 @7 `__ C6AC6D6?E:?8 E96 9:896DE =6G6= @7 DEC6DD]k^Am

kAm(6 E96? 56E6C>:?65 6249 DE2E6’D H6:89E65 2G6C286 24C@DD 2== >6EC:4D E@ 42=4F=2E6 :ED @G6C2== D4@C6 2?5 FD65 E96 C6DF=E:?8 D4@C6D E@ C2?<\@C56C E96 DE2E6D]k^Am

kAm(@C<\#6=2E65 $EC6DD – %@E2= !@:?EDi adk^Am

kF=mk=:mpG6C286 w@FCD (@C<65 A6C (66<i s@F3=6 (6:89E WOd]ae !@:?EDXk^=:mk=:mpG6C286 r@>>FE6 %:>6i w2=7 (6:89E WO`]ba !@:?EDXk^=:mk=:mpG6C286 {6:DFC6 %:>6 $A6?E A6C s2Ji uF== (6:89E WOa]eb !@:?EDXk^=:mk=:my@3 $64FC:EJi uF== (6:89E WOa]eb !@:?EDXk^=:mk=:m&?6>A=@J>6?E #2E6i s@F3=6 (6:89E WOd]ae !@:?EDXk^=:mk=:m&?56C6>A=@J>6?E #2E6i uF== (6:89E WOa]eb !@:?EDXk^=:mk=:mx?4@>6 vC@HE9 #2E6 Wa_ac GD] a_abXi s@F3=6 (6:89E WOd]ae !@:?EDXk^=:mk^F=m

kAm|@?6J\#6=2E65 $EC6DD – %@E2= !@:?EDi adk^Am

kF=mk=:m|65:2? x?4@>6i s@F3=6 (6:89E WOb]df !@:?EDX }@E6i p5;FDE65 7@C 4@DE @7 =:G:?8]k^=:mk=:ms63E A6C |65:2? t2C?:?8Di uF== (6:89E WO`]fh !@:?EDXk^=:mk=:m|65:2? rC65:E $4@C6i uF== (6:89E WO`]fh !@:?EDXk^=:mk=:m!6CD@?2= q2?<CFAE4J #2E6i s@F3=6 (6:89E WOb]df !@:?EDXk^=:mk=:m$92C6 @7 p5F=ED H:E9 u:?2?4:2= p?I:6EJi s@F3=6 (6:89E WOb]df !@:?EDX }@E6i %9:D >6EC:4 >62DFC6D E96 A6C46?E286 @7 25F=ED H9@ 28C66 E92E E9:?<:?8 23@FE E96:C A6CD@?2= 7:?2?46D >2<6D E96> 766= 2?I:@FD]k^=:mk=:mt4@?@>:4 $64FC:EJ $4@C6i uF== (6:89E WO`]fh !@:?EDX }@E6i %9:D >6EC:4 :D 32D65 @? $92C642C6’D “k2 9C67lQ9EEADi^^H6==36:?8:?56I]D92C642C6]4@>^Q E2C86ElQ03=2?<Q C6=lQ?@@A6?6CQmr@>>F?:EJ (6==\q6:?8 x?56Ik^2mQ[ A2CE:4F=2C=J E96 “t4@?@>:4 $64FC:EJ” 6=6>6?E[ 567:?65 2D “4@>>F?:EJ >6>36CD H9@ 2C6 6>A=@J65[ :?DFC65[ 2?5 @E96CH:D6 DE23=6 7:?2?4:2==J]”k^=:mk=:m$92C6 @7 !6@A=6 &?23=6 E@ $2G6 7@C r9:=5C6?’D r@==686i uF== (6:89E WO`]fh !@:?EDXk^=:mk=:m$92C6 @7 p5F=ED !2J:?8 ~?=J |:?:>F> @? rC65:E r2C5WDXi uF== (6:89E WO`]fh !@:?EDXk^=:mk=:m$92C6 @7 !@AF=2E:@? {:G:?8 :? !@G6CEJi uF== (6:89E WO`]fh !@:?EDXk^=:mk=:mw@FD:?8 p77@C523:=:EJi s@F3=6 (6:89E WOb]df !@:?EDX }@E6i %9:D >6EC:4 H2D 42=4F=2E65 2D 7@==@HDi w@FD:?8 r@DED W244@F?ED 7@C 3@E9 C6?E2= 2?5 D2=6 AC:46DX ^ |65:2? p??F2= w@FD69@=5 x?4@>6]k^=:mk^F=m

kAmu2>:=J\#6=2E65 $EC6DD – %@E2= !@:?EDi adk^Am

kF=mk=:m$6A2C2E:@? 2?5 s:G@C46 #2E6i uF== (6:89E WOa]fg !@:?EDXk^=:mk=:m$92C6 @7 $:?8=6 !2C6?EDi uF== (6:89E WOa]fg !@:?EDXk^=:mk=:mr@DE @7 r9:=542C6i %C:A=6 (6:89E WOg]bb !@:?EDX }@E6i p5;FDE65 7@C >65:2? 9@FD69@=5 :?4@>6]k^=:mk=:m“!2C6?E2=\{62G6 !@=:4J” $4@C6i uF== (6:89E WOa]fg !@:?EDXk^=:mk=:m!2C6?E2= $EC6DDi uF== (6:89E WOa]fg !@:?EDX }@E6i %9:D 4@>A@D:E6 >6EC:4 4@?D:56CD E96 A6C46?E286 @7 A2C6?ED H9@ 76=E 2?8CJ H:E9 E96:C 49:=5[ 76=E E96 49:=5 5@6D E9:?8D E@ 3@E96C E96> @C 76=E E96 49:=5 :D 5:77:4F=E E@ 42C6 7@C]k^=:mk=:m$92C6 @7 !2C6?ED (:E9@FE t>@E:@?2= $FAA@CEi uF== (6:89E WOa]fg !@:?EDX }@E6i %9:D >6EC:4 >62DFC6D E96 A6C46?E286 @7 A2C6?ED H9@ 5@ ?@E 92G6 D@>6@?6 E96J 42? EFC? E@ 7@C 52J\E@\52J 6>@E:@?2= DFAA@CE H:E9 A2C6?E:?8 @C C2:D:?8 49:=5C6?]k^=:mk=:m$92C6 @7 !2C6?ED (9@ r92?865 ^"F:E y@3D sF6 E@ !C@3=6>D H:E9 r9:=5 r2C6i uF== (6:89E WOa]fg !@:?EDXk^=:mk^F=m

kAmw62=E9\ U2>Aj $276EJ\#6=2E65 $EC6DD – %@E2= !@:?EDi adk^Am

kF=mk=:m$92C6 @7 p5F=ED :? u2:C @C !@@C w62=E9i s@F3=6 (6:89E WOa]de !@:?EDXk^=:mk=:m$92C6 @7 p5F=ED s:28?@D65 H:E9 s6AC6DD:@?i uF== (6:89E WO`]ag !@:?EDXk^=:mk=:m|6?E2= w62=E9i s@F3=6 (6:89E WOa]de !@:?EDXk^=:mk=:m$F:4:56 #2E6i uF== (6:89E WO`]ag !@:?EDXk^=:mk=:m&?277@C523:=:EJ @7 s@4E@C ':D:EDi uF== (6:89E WO`]ag !@:?EDX }@E6i |62DFC6D A6C46?E286 @7 25F=ED 2865 `g 2?5 @=56C H9@ C6A@CE65 ?@E D66:?8 2 5@4E@C :? E96 A2DE `a >@?E9D 5F6 E@ 4@DE]k^=:mk=:m$92C6 @7 !2C6?ED uCFDEC2E65 :? t77@CED E@ v6E w62=E9 $6CG:46D 7@C %96:C r9:=5i uF== (6:89E WO`]ag !@:?EDX }@E6i %9:D >6EC:4 >62DFC6D E96 D92C6 @7 A2C6?ED 7CFDEC2E65 :? E96:C 677@CED E@ 86E 962=E9 D6CG:46D 7@C E96:C 49:=5 :? E96 A2DE `a >@?E9D]k^=:mk=:mx?4C62D6 :? p??F2= w62=E9 x?DFC2?46 !C6>:F>Di s@F3=6 (6:89E WOa]de !@:?EDXk^=:mk=:m$92C6 @7 x?DFC65 !@AF=2E:@?i s@F3=6 (6:89E WOa]de !@:?EDX }@E6i “!@AF=2E:@?” :?4=F56D ?@?:?DE:EFE:@?2=:K65 4:G:=:2?D 2865 `e 2?5 @=56C]k^=:mk=:m!DJ49@=@8:DED A6C r2A:E2i uF== (6:89E WO`]ag !@:?EDXk^=:mk=:m!9JD:42= p4E:G:EJ #2E6i w2=7 (6:89E WO_]ec !@:?EDXk^=:mk=:m$92C6 @7 p5F=ED v6EE:?8 p56BF2E6 $=66Ai uF== (6:89E WO`]ag !@:?EDX }@E6i |62DFC6D A6C46?E286 @7 25F=ED 2865 `g 2?5 @=56C H9@ C6A@CE65 86EE:?8 D6G6? @C >@C6 9@FCD @7 D=66A A6C ac\9@FC A6C:@5]k^=:mk=:mqF==J:?8 x?4:56?ED #2E6i uF== (6:89E WO`]ag !@:?EDX }@E6i |62DFC6D 3@E9 E96 A6C46?E286 @7 9:89 D49@@= DEF56?ED H9@ H6C6 3F==:65 @? D49@@= AC@A6CEJ 2?5 E96 A6C46?E286 @7 9:89 D49@@= DEF56?ED H9@ H6C6 3F==:65 6=64EC@?:42==J^@?=:?6]k^=:mk=:mrC:>6 #2E6 A6C r2A:E2i uF== (6:89E WO`]ag !@:?EDXk^=:mk=:mw2E6\rC:>6 x?4:56?ED A6C r2A:E2i uF== (6:89E WO`]ag !@:?EDXk^=:mk=:m(6==\q6:?8 x?56Ii uF== (6:89E WO`]ag !@:?EDXk^=:mk=:m"F2=:EJ @7 x?7C2DECF4EFC6i uF== (6:89E WO`]ag !@:?EDX }@E6i “x?7C2DECF4EFC6” C676CD E@ C@25D 2?5 3C:586D]k^=:mk^F=m

kAm  k6>m$@FC46Di s2E2 FD65 E@ 4C62E6 E9:D C2?<:?8 H6C6 4@==64E65 2D @7 u63CF2CJ ab[ a_ae 7C@> &]$] r6?DFD qFC62F[ qFC62F @7 {23@C $E2E:DE:4D[ r6?E6CD 7@C s:D62D6 r@?EC@= 2?5 !C6G6?E:@?[ ux}#p x?G6DE@C t5F42E:@? u@F?52E:@?[ r@F?4:= 7@C r@>>F?:EJ 2?5 t4@?@>:4 #6D62C49[ p5>:?:DEC2E:G6 ~77:46 @7 E96 &?:E65 $E2E6D r@FCED[ %C2?D&?:@?[ &]$] s6A2CE>6?E @7 w@FD:?8 2?5 &C32? s6G6=@A>6?E[ r9:=5 r2C6 pH2C6 @7 p>6C:42[ }2E:@?2= !2CE?6CD9:A 7@C (@>6? U2>Aj u2>:=:6D[ $92C642C6’D “r@>>F?:EJ (6==\q6:?8 x?56I”[ r9:=5 2?5 p5@=6D46?E w62=E9 |62DFC6>6?E x?:E:2E:G6[ u656C2= qFC62F @7 x?G6DE:82E:@?[ z2:D6C u2>:=J u@F?52E:@? 2?5 %96 #@25 x?7@C>2E:@? !C@8C2>]k^6>mk^Am

kAmk2 ?2>6lQG:56@Q :5lQG:56@Qmk^2mk^Am

kAmkDEC@?8 DEJ=6lQ7@?E\D:K6i hfTQm$FAA@CE:?8 ':56@ u:=6Dik^DEC@?8mk^Am

kF=mk=:mk2 9C67lQ9EEADi^^J@FEF]36^5)w5fb49K&@Q E2C86ElQ03=2?<Q C6=lQ?@@A6?6C ?@C676CC6CQm*@F%F36 \ }2E:@?2= W7@C H63 6>3655:?8Xk^2mk^=:mk=:mk2 9C67lQ9EEADi^^J@FEF]36^qfD=e>Epb8"Q E2C86ElQ03=2?<Q C6=lQ?@@A6?6C ?@C676CC6CQm*@F%F36 \ {@F:D:2?2 W7@C H63 6>3655:?8Xk^2mk^=:mk=:mk2 9C67lQ9EEADi^^2AA]3@I]4@>^D^>h@?He`;g=c9c9gCG2_=Jb6dh;;bC=CaQ E2C86ElQ03=2?<Q C6=lQ?@@A6?6C ?@C676CC6CQm#2H G:56@ 7:=6D W7@C 65:E:?8 :?E@ 4=:ADXk^2mk^=:mk^F=m