<?xml version="1.0" encoding="UTF-8"?>
<rss version="2.0">
	<channel>
		<title>dvvb</title>
		<link>http://dvvb.org/</link>
		<description>핸드핼드 PC 조나다, 모바일프로 , 자우루스, PPC 이야기</description>
		<language>ko</language>
		<pubDate>Wed, 17 Aug 2011 07:56:38 +0900</pubDate>
		<generator>Tistory 1.1 (http://www.tistory.com/)</generator>
		<item>
			<title>motorola XT-720 samba mount</title>
			<link>http://dvvb.org/29</link>
			<description>10월 초에 좀 늦게 모토롤라에서 만든 모토로이 xt-720 안드로이드 폰에 편승 했습니다.&lt;br /&gt;타 기종에 비해 국내에선 욕 많이 먹는 모토로이 입니다만 초기 비용을 많이 주고 구입하신분들을 제외하고&lt;br /&gt;글쎄요...제가 받아 보고 몇일 사용해본 소감은 왜 욕먹는지 모르겠습니다.^^;&lt;br /&gt;&lt;br /&gt;기본적으로 웹서핑,메일은 휼륭합니다만 기본제공되는 8GB SDCARD론 무언가 부족한것 같습니다.&lt;br /&gt;usb를 통해 파일교환 또는 vlc를 통한 실시간 스트리밍은 아무래도 제 취향이 아니라 네트웍을 통한 폰의 자유로이 네트웍 파일 억세스에 초점을 맞췄습니다.&lt;br /&gt;
&lt;br /&gt;부족한것을 채워주기 위해 네트웍공유중 쉽게 구축할 수 있는게 samba서버 인지라 공유서버에 접속해보니&lt;br /&gt;일반app에서는 네트웍 공유 억세스는 가능한데 동영상 플레이는 불가능 하더군요&lt;br /&gt;&lt;br /&gt;해결방법은 mount밖에 없는것 같고 그러기 위해 root 억세스가 되야 합니다.&lt;br /&gt;root억세스는 크게 adb,universal_androot.apk 저는 쉽게 후자를 택했습니다.&lt;br /&gt;&lt;br /&gt;루팅 후 마켓에서 busybox, terminal emulator app을 설치&lt;br /&gt;아래 두개의 커널 모듈 파일을 다운받고&lt;br /&gt;/system/lib/modules 에 복사 (퍼미션 644)&lt;br /&gt;
&lt;br /&gt;&lt;span style=&quot;font-weight: bold;&quot;&gt;폰에서 terminal emulator 실행 마운트 디렉토리 생성 -&amp;gt; 슈퍼유저 -&amp;gt;모듈 올리기 -&amp;gt;확인 &lt;/span&gt;&lt;br /&gt;&lt;div style=&quot;padding: 10px; background-color: rgb(221, 221, 221); border: 1px solid rgb(187, 187, 187);&quot;&gt;$mkdir /sdcard/samba (samba라는 디렉토리는 사용자가 원하는 것으로 바꿈)&lt;br /&gt;$su&lt;br /&gt;#insmod /system/lib/modules/nls_utf8.ko&lt;br /&gt;#insmod /system/lib/modules/cifs.ko&lt;br /&gt;&lt;br /&gt;&lt;/div&gt;&lt;br /&gt;저 같은 경우 삼바 서버 구축시 smb.conf 에 dos charset = UTF-8 로 설정되어 있습니다.&lt;br /&gt;

&lt;span style=&quot;font-weight: bold;&quot;&gt;nls_utf8.ko 를 올리는 이유는 공유된 파일 중 한글이 깨지는것을 방지 &lt;/span&gt;&lt;br /&gt;
&lt;br /&gt;
lsmod를 해본 후 폰에 모듈이 잘 올라 갔나 확인..&lt;br /&gt;
&lt;br /&gt;&lt;div class=&quot;imageblock left&quot; style=&quot;float: left; margin-right: 10px;&quot;&gt;&lt;a href=&quot;http://cfile4.uf.tistory.com/original/20762F544D178C2914E0F0&quot; rel=&quot;lightbox&quot; target=&quot;_blank&quot;&gt;&lt;img src=&quot;http://cfile4.uf.tistory.com/image/20762F544D178C2914E0F0&quot; alt=&quot;&quot; height=&quot;359&quot; width=&quot;640&quot;/&gt;&lt;/a&gt;&lt;/div&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;삼바 마운트 예)&lt;br /&gt;&lt;div style=&quot;padding: 10px; background-color: rgb(221, 221, 221); border: 1px solid rgb(187, 187, 187);&quot;&gt;#busybox mount -t cifs //파일공유서버ip/공유폴더&amp;nbsp; /sdcard/마운트될디렉토리&lt;br /&gt;위에서 samba디렉토리를 생성했으므로&lt;br /&gt;#busybox mount -t cifs //파일공유서버ip/공유폴더&amp;nbsp; /sdcard/samba -o username=삼바유저,password=삼바유저암호,iocharset=utf8&lt;br /&gt;&lt;/div&gt;경우에따라 퍼미션조정하시면 됩니다.&lt;br /&gt;&lt;br /&gt;*삼바서버가 정확히 구동되고 있는경우는 에러 없이 마운드됩니다.&lt;br /&gt;#mount 로 확인 &lt;br /&gt;&lt;div class=&quot;imageblock left&quot; style=&quot;float: left; margin-right: 10px;&quot;&gt;&lt;a href=&quot;http://cfile2.uf.tistory.com/original/12373B504D178C2A099DC0&quot; rel=&quot;lightbox&quot; target=&quot;_blank&quot;&gt;&lt;img src=&quot;http://cfile2.uf.tistory.com/image/12373B504D178C2A099DC0&quot; alt=&quot;&quot; height=&quot;854&quot; width=&quot;480&quot;/&gt;&lt;/a&gt;&lt;/div&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;이제부터 /sdcard/samba 디렉토리를 통해 동영상,사진,문서,음악,만화등 필요한 파일을 삼바 네트웍공유 서버를 통해 폰에서 억세스 가능 &lt;br /&gt;&lt;div class=&quot;imageblock center&quot; style=&quot;text-align: center; clear: both;&quot;&gt;&lt;a href=&quot;http://dvvb.tistory.com/attachment/cfile28.uf@1224C84C4D178C2A094380.zip&quot;&gt;&lt;img src=&quot;http://i1.daumcdn.net/cfs.tistory/v/0/blog/image/extension/zip.gif&quot; alt=&quot;&quot; style=&quot;vertical-align: middle;&quot; /&gt; samba.zip&lt;/a&gt;&lt;/div&gt;&lt;br /&gt;&lt;fieldset style=&quot;margin:20px 0px 20px 0px;padding:5px;&quot;&gt;&lt;legend&gt;&lt;span&gt;&lt;strong&gt;크리에이티브 커먼즈 라이선스&lt;/strong&gt;&lt;/span&gt;&lt;/legend&gt;&lt;!--Creative Commons License--&gt;&lt;div style=&quot;float: left; width: 88px; margin-top: 3px;&quot;&gt;&lt;a rel=&quot;license&quot; href=&quot;http://creativecommons.org/licenses/by-nc-nd/2.0/kr/&quot; target=&quot;_blank&quot;&gt;&lt;img alt=&quot;Creative Commons License&quot; style=&quot;border-width: 0&quot; src=&quot;http://i.creativecommons.org/l/by-nc-nd/2.0/kr/88x31.png&quot;/&gt;&lt;/a&gt;&lt;/div&gt;&lt;div style=&quot;margin-left: 92px; margin-top: 3px; text-align: justify;&quot;&gt;이 저작물은 &lt;a rel=&quot;license&quot; href=&quot;http://creativecommons.org/licenses/by-nc-nd/2.0/kr/&quot; target=&quot;_blank&quot;&gt;크리에이티브 커먼즈 코리아 저작자표시-비영리-변경금지 2.0 대한민국 라이선스&lt;/a&gt;에 따라 이용하실 수 있습니다.
			&lt;!-- Creative Commons License--&gt;
			&lt;!-- &lt;rdf:RDF xmlns=&quot;http://web.resource.org/cc/&quot; xmlns:dc=&quot;http://purl.org/dc/elements/1.1/&quot; xmlns:rdf=&quot;http://www.w3.org/1999/02/22-rdf-syntax-ns#&quot;&gt;
			&lt;Work rdf:about=&quot;&quot;&gt;
			&lt;license rdf:resource=&quot;http://creativecommons.org/licenses/by-nc-nd/2.0/kr/&quot; /&gt;
			&lt;/Work&gt;
			&lt;License rdf:about=&quot;http://creativecommons.org/licenses/by-nc-nd/&quot;&gt;
			&lt;permits rdf:resource=&quot;http://web.resource.org/cc/Reproduction&quot;/&gt;
			&lt;permits rdf:resource=&quot;http://web.resource.org/cc/Distribution&quot;/&gt;
			&lt;requires rdf:resource=&quot;http://web.resource.org/cc/Notice&quot;/&gt;
			&lt;requires rdf:resource=&quot;http://web.resource.org/cc/Attribution&quot;/&gt;&lt;prohibits rdf:resource=&quot;http://web.resource.org/cc/CommercialUse&quot;/&gt;&lt;/License&gt;&lt;/rdf:RDF&gt; --&gt;&lt;/div&gt;&lt;/fieldset&gt;</description>
			<category>XT-720</category>
			<category>Android</category>
			<category>XT-720</category>
			<category>모토로이</category>
			<author>orchidii 오키드</author>
			<guid>http://dvvb.org/29</guid>
			<comments>http://dvvb.org/29#entry29comment</comments>
			<pubDate>Wed, 13 Oct 2010 18:36:38 +0900</pubDate>
		</item>
		<item>
			<title>조나다 리눅스 현재 상황</title>
			<link>http://dvvb.org/28</link>
			<description>오랜만에 글을 쓰게 되네요&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;스샷몇장 띄웁니다.&lt;br /&gt;&lt;br /&gt;비법전수 xfce4 띠우면 나오는 화면이지요 &lt;br /&gt;&lt;div class=&quot;imageblock center&quot; style=&quot;text-align: center; clear: both;&quot;&gt;&lt;a href=&quot;http://cfile25.uf.tistory.com/original/164331554D178C15102338&quot; rel=&quot;lightbox&quot; target=&quot;_blank&quot;&gt;&lt;img src=&quot;http://cfile25.uf.tistory.com/image/164331554D178C15102338&quot; alt=&quot;&quot; height=&quot;425&quot; width=&quot;640&quot;/&gt;&lt;/a&gt;&lt;/div&gt;&lt;br /&gt;gdm을 띠우기에 조나다 32mb의 메인메모리가 견디질 못하는군요 아주 무겁습니다.&lt;br /&gt;&lt;div class=&quot;imageblock center&quot; style=&quot;text-align: center; clear: both;&quot;&gt;&lt;a href=&quot;http://cfile9.uf.tistory.com/original/131A0D4D4D178C14085BA0&quot; rel=&quot;lightbox&quot; target=&quot;_blank&quot;&gt;&lt;img src=&quot;http://cfile9.uf.tistory.com/image/131A0D4D4D178C14085BA0&quot; alt=&quot;&quot; height=&quot;425&quot; width=&quot;640&quot;/&gt;&lt;/a&gt;&lt;/div&gt;&lt;br /&gt;&lt;div class=&quot;imageblock center&quot; style=&quot;text-align: center; clear: both;&quot;&gt;&lt;a href=&quot;http://cfile7.uf.tistory.com/original/1736E9504D178C17071068&quot; rel=&quot;lightbox&quot; target=&quot;_blank&quot;&gt;&lt;img src=&quot;http://cfile7.uf.tistory.com/image/1736E9504D178C17071068&quot; alt=&quot;&quot; height=&quot;425&quot; width=&quot;640&quot;/&gt;&lt;/a&gt;&lt;/div&gt;&lt;div class=&quot;imageblock center&quot; style=&quot;text-align: center; clear: both;&quot;&gt;&lt;a href=&quot;http://cfile10.uf.tistory.com/original/116C29514D178C191DCEF5&quot; rel=&quot;lightbox&quot; target=&quot;_blank&quot;&gt;&lt;img src=&quot;http://cfile10.uf.tistory.com/image/116C29514D178C191DCEF5&quot; alt=&quot;&quot; height=&quot;425&quot; width=&quot;640&quot;/&gt;&lt;/a&gt;&lt;/div&gt;&lt;br /&gt;xfce4가 보기는 좋은데 아주 무겁게 돌아 갑니다. 한글 입출력 띄워놓고 일본입출력까지 하려니...그래서&lt;br /&gt;좀더 가벼운 윈도메니저중 fluxbox로 돌려 봅니다. 조금 가벼우나 역시 한글입출력 띠워놓으니...그게 그겁니다.&lt;br /&gt;&lt;div class=&quot;imageblock center&quot; style=&quot;text-align: center; clear: both;&quot;&gt;&lt;a href=&quot;http://cfile6.uf.tistory.com/original/18080C4E4D178C1D07E7D8&quot; rel=&quot;lightbox&quot; target=&quot;_blank&quot;&gt;&lt;img src=&quot;http://cfile6.uf.tistory.com/image/18080C4E4D178C1D07E7D8&quot; alt=&quot;&quot; height=&quot;240&quot; width=&quot;640&quot;/&gt;&lt;/a&gt;&lt;/div&gt;&lt;div class=&quot;imageblock center&quot; style=&quot;text-align: center; clear: both;&quot;&gt;&lt;a href=&quot;http://cfile27.uf.tistory.com/original/1452D6484D178C1C0E6B0D&quot; rel=&quot;lightbox&quot; target=&quot;_blank&quot;&gt;&lt;img src=&quot;http://cfile27.uf.tistory.com/image/1452D6484D178C1C0E6B0D&quot; alt=&quot;&quot; height=&quot;240&quot; width=&quot;640&quot;/&gt;&lt;/a&gt;&lt;/div&gt;&lt;br /&gt;프레임버퍼 그랩샷....&lt;br /&gt;&lt;div class=&quot;imageblock center&quot; style=&quot;text-align: center; clear: both;&quot;&gt;&lt;a href=&quot;http://cfile21.uf.tistory.com/original/1770354A4D178C140B2D64&quot; rel=&quot;lightbox&quot; target=&quot;_blank&quot;&gt;&lt;img src=&quot;http://cfile21.uf.tistory.com/image/1770354A4D178C140B2D64&quot; alt=&quot;&quot; height=&quot;240&quot; width=&quot;640&quot;/&gt;&lt;/a&gt;&lt;/div&gt;&lt;div class=&quot;imageblock center&quot; style=&quot;text-align: center; clear: both;&quot;&gt;&lt;a href=&quot;http://cfile25.uf.tistory.com/original/1422034B4D178C1C0AD4B8&quot; rel=&quot;lightbox&quot; target=&quot;_blank&quot;&gt;&lt;img src=&quot;http://cfile25.uf.tistory.com/image/1422034B4D178C1C0AD4B8&quot; alt=&quot;&quot; height=&quot;240&quot; width=&quot;640&quot;/&gt;&lt;/a&gt;&lt;/div&gt;&lt;div class=&quot;imageblock center&quot; style=&quot;text-align: center; clear: both;&quot;&gt;&lt;a href=&quot;http://cfile22.uf.tistory.com/original/2052ED484D178C1C0F03CE&quot; rel=&quot;lightbox&quot; target=&quot;_blank&quot;&gt;&lt;img src=&quot;http://cfile22.uf.tistory.com/image/2052ED484D178C1C0F03CE&quot; alt=&quot;&quot; height=&quot;240&quot; width=&quot;640&quot;/&gt;&lt;/a&gt;&lt;/div&gt;&lt;div class=&quot;imageblock center&quot; style=&quot;text-align: center; clear: both;&quot;&gt;&lt;a href=&quot;http://cfile7.uf.tistory.com/original/1871E5524D178C1E161C20&quot; rel=&quot;lightbox&quot; target=&quot;_blank&quot;&gt;&lt;img src=&quot;http://cfile7.uf.tistory.com/image/1871E5524D178C1E161C20&quot; alt=&quot;&quot; height=&quot;240&quot; width=&quot;640&quot;/&gt;&lt;/a&gt;&lt;/div&gt;&lt;div class=&quot;imageblock center&quot; style=&quot;text-align: center; clear: both;&quot;&gt;&lt;a href=&quot;http://cfile23.uf.tistory.com/original/1372B65A4D178C1F1695A9&quot; rel=&quot;lightbox&quot; target=&quot;_blank&quot;&gt;&lt;img src=&quot;http://cfile23.uf.tistory.com/image/1372B65A4D178C1F1695A9&quot; alt=&quot;&quot; height=&quot;240&quot; width=&quot;640&quot;/&gt;&lt;/a&gt;&lt;/div&gt;&lt;div class=&quot;imageblock center&quot; style=&quot;text-align: center; clear: both;&quot;&gt;&lt;a href=&quot;http://cfile29.uf.tistory.com/original/13709A4A4D178C1D0D7202&quot; rel=&quot;lightbox&quot; target=&quot;_blank&quot;&gt;&lt;img src=&quot;http://cfile29.uf.tistory.com/image/13709A4A4D178C1D0D7202&quot; alt=&quot;&quot; height=&quot;240&quot; width=&quot;640&quot;/&gt;&lt;/a&gt;&lt;/div&gt;&lt;br /&gt;한글입출력은 나비/scim 두개 테스트 해봤고 한글 한자 모두 입력 가능합니다.&lt;br /&gt;문제는 키매핑을 좀 해야 하는데 테스트중이라 그럴 여유가 없군요&lt;br /&gt;무엇보다 네이버딕 대략30mb 글자폰트로 테스트 중이라 메인메모리가 32mb인 조나다가 스왑메모리에&lt;br /&gt;올라가기전까진 마냥 지켜만 봐야 하니 답답하더군요 &lt;br /&gt;일단 올라가면 빠릅니다. &lt;br /&gt;&lt;div class=&quot;imageblock center&quot; style=&quot;text-align: center; clear: both;&quot;&gt;&lt;a href=&quot;http://cfile29.uf.tistory.com/original/1952DD484D178C1D0EE28C&quot; rel=&quot;lightbox&quot; target=&quot;_blank&quot;&gt;&lt;img src=&quot;http://cfile29.uf.tistory.com/image/1952DD484D178C1D0EE28C&quot; alt=&quot;&quot; height=&quot;240&quot; width=&quot;640&quot;/&gt;&lt;/a&gt;&lt;/div&gt;&lt;div class=&quot;imageblock center&quot; style=&quot;text-align: center; clear: both;&quot;&gt;&lt;a href=&quot;http://cfile3.uf.tistory.com/original/1836D9504D178C1C07DB9E&quot; rel=&quot;lightbox&quot; target=&quot;_blank&quot;&gt;&lt;img src=&quot;http://cfile3.uf.tistory.com/image/1836D9504D178C1C07DB9E&quot; alt=&quot;&quot; height=&quot;240&quot; width=&quot;640&quot;/&gt;&lt;/a&gt;&lt;/div&gt;&lt;div class=&quot;imageblock center&quot; style=&quot;text-align: center; clear: both;&quot;&gt;&lt;a href=&quot;http://cfile29.uf.tistory.com/original/2052FC484D178C1D0EE1EE&quot; rel=&quot;lightbox&quot; target=&quot;_blank&quot;&gt;&lt;img src=&quot;http://cfile29.uf.tistory.com/image/2052FC484D178C1D0EE1EE&quot; alt=&quot;&quot; height=&quot;240&quot; width=&quot;640&quot;/&gt;&lt;/a&gt;&lt;/div&gt;&lt;br /&gt;텍스트 에디터에서 한글 한자 입출력테스트&lt;br /&gt;&lt;div class=&quot;imageblock center&quot; style=&quot;text-align: center; clear: both;&quot;&gt;&lt;a href=&quot;http://cfile23.uf.tistory.com/original/17249B4C4D178C1F0D4CD0&quot; rel=&quot;lightbox&quot; target=&quot;_blank&quot;&gt;&lt;img src=&quot;http://cfile23.uf.tistory.com/image/17249B4C4D178C1F0D4CD0&quot; alt=&quot;&quot; height=&quot;240&quot; width=&quot;640&quot;/&gt;&lt;/a&gt;&lt;/div&gt;&lt;br /&gt;터미널에서 w3m 텍스트 웹브라우저로 네이버 사전테스트중...&lt;br /&gt;&lt;div class=&quot;imageblock center&quot; style=&quot;text-align: center; clear: both;&quot;&gt;&lt;a href=&quot;http://cfile10.uf.tistory.com/original/151A224D4D178C1F0869C8&quot; rel=&quot;lightbox&quot; target=&quot;_blank&quot;&gt;&lt;img src=&quot;http://cfile10.uf.tistory.com/image/151A224D4D178C1F0869C8&quot; alt=&quot;&quot; height=&quot;240&quot; width=&quot;640&quot;/&gt;&lt;/a&gt;&lt;/div&gt;xfce4 바탕화면 관리자를 가동하지 않으면 그럭저럭 속도는 봐줄만 합니다. &lt;br /&gt;&lt;div class=&quot;imageblock center&quot; style=&quot;text-align: center; clear: both;&quot;&gt;&lt;a href=&quot;http://cfile8.uf.tistory.com/original/155313494D178C1F0C85DD&quot; rel=&quot;lightbox&quot; target=&quot;_blank&quot;&gt;&lt;img src=&quot;http://cfile8.uf.tistory.com/image/155313494D178C1F0C85DD&quot; alt=&quot;&quot; height=&quot;240&quot; width=&quot;640&quot;/&gt;&lt;/a&gt;&lt;/div&gt;&lt;br /&gt;역시 고민중에 빠집니다. 느려서 이것을 어따 써먹지...&lt;br /&gt;콘솔 + jfbterm(한글 입출력)로 서서히 결론이 내려 질까 합니다.&lt;br /&gt;linm 을 테스트겸 미친척 하고 네이티브(조나다) 컴파일을 돌렸습니다.&lt;br /&gt;42시간 정도 결렸습니다. 이런 미친짓은 다신 안합니다.&lt;br /&gt;&lt;div class=&quot;imageblock center&quot; style=&quot;text-align: center; clear: both;&quot;&gt;&lt;a href=&quot;http://cfile28.uf.tistory.com/original/20210B4B4D178C1D0B8CD0&quot; rel=&quot;lightbox&quot; target=&quot;_blank&quot;&gt;&lt;img src=&quot;http://cfile28.uf.tistory.com/image/20210B4B4D178C1D0B8CD0&quot; alt=&quot;&quot; height=&quot;425&quot; width=&quot;640&quot;/&gt;&lt;/a&gt;&lt;/div&gt;&lt;br /&gt;console + jfbterm 환경이라 좀 볼품 없지만&lt;br /&gt;대략적으로 조나다의 성능에 맞는것은 이것이 최적이라는 결론을 내립니다.&lt;br /&gt;linm에 내장된 에디터도 있고 w3m이면 웹서핑도 텍스트만 받아 오니 나름대로 속도 예술입니다.&lt;br /&gt;그런데 사운드가 걸립니다. 커널2.6 은 아직 조나다에서 사운드 지원이 안됩니다.&lt;br /&gt;너무 외롭게 느껴 집니다.&lt;br /&gt;커널2.4로 다시 넘어 가야 하나......고민에 빠집니다. 윈도메니저 다 정리하고 그냥 콘솔로 할려니&lt;br /&gt;정리할께 너무 많아 졌네요&lt;br /&gt;&lt;br /&gt;일단은 여기 까지...&lt;br /&gt;&lt;br /&gt;보너스 스샷으로... 한글 온스크립터 실행화면 몇장...&lt;br /&gt;&lt;br /&gt;지금 주력기종인 SL-6000D 입니다. 화면 예술이지요 Qtopia에서 한글 온스크립터가 안되는지라&lt;br /&gt;최신버전 꺠작깨작거려서 나오게 만들었네요 조나다에도 컴파일하니 잘 돌아 가는군요 &lt;br /&gt;&lt;div class=&quot;imageblock center&quot; style=&quot;text-align: center; clear: both;&quot;&gt;&lt;a href=&quot;http://cfile21.uf.tistory.com/original/1136FA504D178C210755C4&quot; rel=&quot;lightbox&quot; target=&quot;_blank&quot;&gt;&lt;img src=&quot;http://cfile21.uf.tistory.com/image/1136FA504D178C210755C4&quot; alt=&quot;&quot; height=&quot;425&quot; width=&quot;640&quot;/&gt;&lt;/a&gt;&lt;/div&gt;번역기로 급조해서 만든 g선상의 아리아&lt;br /&gt;&lt;div class=&quot;imageblock center&quot; style=&quot;text-align: center; clear: both;&quot;&gt;&lt;a href=&quot;http://cfile6.uf.tistory.com/original/181AC44F4D178C240784D5&quot; rel=&quot;lightbox&quot; target=&quot;_blank&quot;&gt;&lt;img src=&quot;http://cfile6.uf.tistory.com/image/181AC44F4D178C240784D5&quot; alt=&quot;&quot; height=&quot;425&quot; width=&quot;640&quot;/&gt;&lt;/a&gt;&lt;/div&gt;&lt;div class=&quot;imageblock center&quot; style=&quot;text-align: center; clear: both;&quot;&gt;&lt;a href=&quot;http://cfile7.uf.tistory.com/original/1119FF4D4D178C25089708&quot; rel=&quot;lightbox&quot; target=&quot;_blank&quot;&gt;&lt;img src=&quot;http://cfile7.uf.tistory.com/image/1119FF4D4D178C25089708&quot; alt=&quot;&quot; height=&quot;425&quot; width=&quot;640&quot;/&gt;&lt;/a&gt;&lt;/div&gt;조나다의 초라한 lcd....흑흑&lt;br /&gt;&lt;div class=&quot;imageblock center&quot; style=&quot;text-align: center; clear: both;&quot;&gt;&lt;a href=&quot;http://cfile5.uf.tistory.com/original/193715504D178C1F07D46F&quot; rel=&quot;lightbox&quot; target=&quot;_blank&quot;&gt;&lt;img src=&quot;http://cfile5.uf.tistory.com/image/193715504D178C1F07D46F&quot; alt=&quot;&quot; height=&quot;425&quot; width=&quot;640&quot;/&gt;&lt;/a&gt;&lt;/div&gt;&lt;br /&gt;&lt;fieldset style=&quot;margin:20px 0px 20px 0px;padding:5px;&quot;&gt;&lt;legend&gt;&lt;span&gt;&lt;strong&gt;크리에이티브 커먼즈 라이선스&lt;/strong&gt;&lt;/span&gt;&lt;/legend&gt;&lt;!--Creative Commons License--&gt;&lt;div style=&quot;float: left; width: 88px; margin-top: 3px;&quot;&gt;&lt;a rel=&quot;license&quot; href=&quot;http://creativecommons.org/licenses/by-nc-nd/2.0/kr/&quot; target=&quot;_blank&quot;&gt;&lt;img alt=&quot;Creative Commons License&quot; style=&quot;border-width: 0&quot; src=&quot;http://i.creativecommons.org/l/by-nc-nd/2.0/kr/88x31.png&quot;/&gt;&lt;/a&gt;&lt;/div&gt;&lt;div style=&quot;margin-left: 92px; margin-top: 3px; text-align: justify;&quot;&gt;이 저작물은 &lt;a rel=&quot;license&quot; href=&quot;http://creativecommons.org/licenses/by-nc-nd/2.0/kr/&quot; target=&quot;_blank&quot;&gt;크리에이티브 커먼즈 코리아 저작자표시-비영리-변경금지 2.0 대한민국 라이선스&lt;/a&gt;에 따라 이용하실 수 있습니다.
			&lt;!-- Creative Commons License--&gt;
			&lt;!-- &lt;rdf:RDF xmlns=&quot;http://web.resource.org/cc/&quot; xmlns:dc=&quot;http://purl.org/dc/elements/1.1/&quot; xmlns:rdf=&quot;http://www.w3.org/1999/02/22-rdf-syntax-ns#&quot;&gt;
			&lt;Work rdf:about=&quot;&quot;&gt;
			&lt;license rdf:resource=&quot;http://creativecommons.org/licenses/by-nc-nd/2.0/kr/&quot; /&gt;
			&lt;/Work&gt;
			&lt;License rdf:about=&quot;http://creativecommons.org/licenses/by-nc-nd/&quot;&gt;
			&lt;permits rdf:resource=&quot;http://web.resource.org/cc/Reproduction&quot;/&gt;
			&lt;permits rdf:resource=&quot;http://web.resource.org/cc/Distribution&quot;/&gt;
			&lt;requires rdf:resource=&quot;http://web.resource.org/cc/Notice&quot;/&gt;
			&lt;requires rdf:resource=&quot;http://web.resource.org/cc/Attribution&quot;/&gt;&lt;prohibits rdf:resource=&quot;http://web.resource.org/cc/CommercialUse&quot;/&gt;&lt;/License&gt;&lt;/rdf:RDF&gt; --&gt;&lt;/div&gt;&lt;/fieldset&gt;</description>
			<category>Jornada 720</category>
			<category>HandheldPC</category>
			<category>Jornada</category>
			<category>SL-6000</category>
			<category>리눅스</category>
			<author>orchidii 오키드</author>
			<guid>http://dvvb.org/28</guid>
			<comments>http://dvvb.org/28#entry28comment</comments>
			<pubDate>Tue, 29 Dec 2009 22:21:27 +0900</pubDate>
		</item>
		<item>
			<title>다시 활동을 시작하며...</title>
			<link>http://dvvb.org/26</link>
			<description>그동안 개인적인 사정으로 시간이 잘 나지 않았습니다.&lt;br /&gt;&lt;br /&gt;아직 시간의 여유가 많지 않지만 틈틈히 그동안 해오던 보유기종들인 핸드헬드 기기들에 대해서&lt;br /&gt;조금씩 정보공유를 해나갈 생각 입니다.&lt;br /&gt;&lt;br /&gt;우선적으로 모바일프로900C에 대해서 기본OS인 Windows CE .NET 4.2 에 대해서 내용이 꾸며질 것 같습니다.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;PS &lt;br /&gt;&lt;a target=&quot;_blank&quot; href=&quot;http://jlime.com/mw4/index.php/Main_Page:ko&quot;&gt;Jlime wiki&lt;/a&gt;에 한글페이지를 조금씩 작성 하고 있습니다.&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;&lt;br /&gt;* 기존 운영하던 &lt;a target=&quot;_blank&quot; href=&quot;http://dvvb.org&quot;&gt;http://dvvb.org&lt;/a&gt; 홈페이지는 현재 복구중인데 다음주 중이나 복구 될 것 같습니다.&lt;br /&gt;&lt;fieldset style=&quot;margin:20px 0px 20px 0px;padding:5px;&quot;&gt;&lt;legend&gt;&lt;span&gt;&lt;strong&gt;크리에이티브 커먼즈 라이선스&lt;/strong&gt;&lt;/span&gt;&lt;/legend&gt;&lt;!--Creative Commons License--&gt;&lt;div style=&quot;float: left; width: 88px; margin-top: 3px;&quot;&gt;&lt;a rel=&quot;license&quot; href=&quot;http://creativecommons.org/licenses/by-nc-nd/2.0/kr/&quot; target=&quot;_blank&quot;&gt;&lt;img alt=&quot;Creative Commons License&quot; style=&quot;border-width: 0&quot; src=&quot;http://i.creativecommons.org/l/by-nc-nd/2.0/kr/88x31.png&quot;/&gt;&lt;/a&gt;&lt;/div&gt;&lt;div style=&quot;margin-left: 92px; margin-top: 3px; text-align: justify;&quot;&gt;이 저작물은 &lt;a rel=&quot;license&quot; href=&quot;http://creativecommons.org/licenses/by-nc-nd/2.0/kr/&quot; target=&quot;_blank&quot;&gt;크리에이티브 커먼즈 코리아 저작자표시-비영리-변경금지 2.0 대한민국 라이선스&lt;/a&gt;에 따라 이용하실 수 있습니다.
			&lt;!-- Creative Commons License--&gt;
			&lt;!-- &lt;rdf:RDF xmlns=&quot;http://web.resource.org/cc/&quot; xmlns:dc=&quot;http://purl.org/dc/elements/1.1/&quot; xmlns:rdf=&quot;http://www.w3.org/1999/02/22-rdf-syntax-ns#&quot;&gt;
			&lt;Work rdf:about=&quot;&quot;&gt;
			&lt;license rdf:resource=&quot;http://creativecommons.org/licenses/by-nc-nd/2.0/kr/&quot; /&gt;
			&lt;/Work&gt;
			&lt;License rdf:about=&quot;http://creativecommons.org/licenses/by-nc-nd/&quot;&gt;
			&lt;permits rdf:resource=&quot;http://web.resource.org/cc/Reproduction&quot;/&gt;
			&lt;permits rdf:resource=&quot;http://web.resource.org/cc/Distribution&quot;/&gt;
			&lt;requires rdf:resource=&quot;http://web.resource.org/cc/Notice&quot;/&gt;
			&lt;requires rdf:resource=&quot;http://web.resource.org/cc/Attribution&quot;/&gt;&lt;prohibits rdf:resource=&quot;http://web.resource.org/cc/CommercialUse&quot;/&gt;&lt;/License&gt;&lt;/rdf:RDF&gt; --&gt;&lt;/div&gt;&lt;/fieldset&gt;</description>
			<category>개인함</category>
			<author>orchidii 오키드</author>
			<guid>http://dvvb.org/26</guid>
			<comments>http://dvvb.org/26#entry26comment</comments>
			<pubDate>Fri, 12 Jun 2009 06:13:09 +0900</pubDate>
		</item>
		<item>
			<title>하드디스크 사망으로 정신적 패닉과 교훈</title>
			<link>http://dvvb.org/25</link>
			<description>&lt;div class=&quot;imageblock center&quot; style=&quot;text-align: center; clear: both;&quot;&gt;&lt;a href=&quot;http://cfile8.uf.tistory.com/original/1111F2474D178C13119648&quot; rel=&quot;lightbox&quot; target=&quot;_blank&quot;&gt;&lt;img src=&quot;http://cfile8.uf.tistory.com/image/1111F2474D178C13119648&quot; alt=&quot;&quot; height=&quot;564&quot; width=&quot;517&quot;/&gt;&lt;/a&gt;&lt;/div&gt;&lt;br /&gt;
컴퓨터나 전자기기들은 중고제품을 개인적으로 선호하고 있고 제품의 특성상 가격은 신제품이 나오면 기존제품은 급격하게 하락하는 특성이 있다. 가격이 저렴해질때면 가끔 괜찮은 물품이 있나 확인하고 쓸만한 물건은 저렴하게 구입하여 최고는 아니지만 최상의 상태로 유지하는것을 목표로 한다. &lt;br /&gt;
&lt;br /&gt;
수치로 벤치마크하는것을 극히 싫어 하며 기존보다 기분이 좋거나 채감상 속도는 빠르냐 느리냐로 대충 성능을 확인하고 좋네 나쁘내등 제품의 척도를 원시인처럼 가리고 있다.&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold;&quot;&gt;그 동안 중고제품을 구매하며 가장 많이 애용하는 것 중 하나&lt;/span&gt;&lt;br /&gt;
신형의 제온서버가 있었지만 1U 이다보니 소음이 장난 아니다. IDC에서 집으로 옮겨온 후 30분 이상을 켜놓지 못할 정도로 방직공장에 있는 느낌이랄까 팬 소음 문제로 전혀 사용할 수 조차 없었다.&lt;br /&gt;
저렴하고 조용한 데스크탑 서버가 필요했고 성능은 스펙상 떨어지지만 저렴한 서버셋트를 구하게 되었고&lt;br /&gt;
2004년경 Intel Server Board SDS2 , CPU 튜알라틴 1.13 x 2, PC133 512x2 ECC,Ultra 160 18GB 무겁디 무겁고 볼품없는 데스크탑 쇳덩이 케이스를 18만원에 중고로 구입하였다. &lt;br /&gt;
&lt;br /&gt;
당시 양도하신분이 직접 RMA(Return Merchandise Authorization) 하여 싱가폴에서 새제품으로 교환상태라고 하였고 기억이 가물거리지만 자택이 과천이라 하여 직접 방문하여 구매 하였다. 그 후 부터 지금까지도 내 곁의 한곳에 개인용 서버로서 묵묵히 자리잡고 있다. 10000RPM답지 않게 정숙성도 갖추고 있다.&lt;br /&gt;
&lt;br /&gt;
그 동안 웹서버로 이용하고 있기에 18GB로 충분하였지만 다른 여러가지 일들을 해보고자 하드가 부족함을 느끼던차&lt;br /&gt;
한달전 그 동안 잘 써오던 서버가 이상이 생겨 잘 어루만저 주고 IEEE1394 , 73GB x2 SCSI HDD, 2GB로 업그레이드 하였다. 하드용량이 대폭 늘어나 다보니 이것저것 할것도 많아 졌고 X서버도 설치하고 온보드에 장착된 2개의 100M랜은 로드벨런싱으로 본딩되었으며 내부적으론 IEEE1394 400M로 PC와 연결하여 원격접속 및 삼바서버로 자료들이 거의 서버로 옮겨지게되어 홈 NAS서버와 웹서버로 휼륭하게 만들어 졌다.&lt;br /&gt;
&lt;br /&gt;
이번 업그레이드를 통해 용량의 대폭 증설이 있었지만 중고로 구입한 SCSI 하드가 문제 있는 제품이라는것을 어제 알게 되었다. 장착할때 소음은 정말 신경을 날카롭게 했고 스테핑모터의 움직임보단 미세한 쇠소리가 거슬렸는데 2개중 하나가 그런 소음의 원인을 제공 하고 있었다. 브랜드만 틀릴뿐 같은 10000RPM이지만 이렇게 차이가 나나? 별 의심은 하지 않은 채 EXT3로 포멧하고 우분투 OS를 설치하고 그 동안&amp;nbsp; 작성된 자료며 모아논 자료들, 개발환경구축등에 많은 시간이 걸렸지만 이 모든것들이 PC에서 서버로 이전하고 지웠기에 몇일 사용도 못하고 한순간에 날라 갔다. 한동안 멍하니....멍하니... 아직도 정신적 패닉의 후유증이 남아 있다. 이제 뭐하지...?&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold;&quot;&gt;교훈&lt;/span&gt;&lt;br /&gt;
이번사태로 교훈을 얻은것은 중고 하드일 경우 배드섹터를 확실히 테스트해봐야 한다는 것이다.&lt;br /&gt;
하드라는 제품의 특성상 외형을 보고 이상이 있는지 없는지 판단하기는 어렵다. &lt;br /&gt;
철저히 검사하지 않으면 당할 수 밖에 없지 않는가! 무지에서 비롯된 일이니 나에게 책임이 더 크다.&lt;br /&gt;
&lt;br /&gt;
&lt;div style=&quot;border: 1px dashed rgb(121, 165, 228); padding: 10px; background-color: rgb(219, 232, 251);&quot; class=&quot;txc-textbox&quot;&gt;
배드블럭 검사&lt;br /&gt;
Usage: badblocks [-b block_size] [-i input_file] [-o output_file] [-svwnf] &lt;br /&gt;
&amp;nbsp;[-c blocks_at_once] [-p num_passes] [-t test_pattern [-t test_pattern [...]]]&lt;br /&gt;
&amp;nbsp;device [last_block [start_block]]&lt;br /&gt;
&lt;br /&gt;
중고로 구입한 제품이라면 최소한 읽기라도 베드블럭검사는 해야 된다.&lt;br /&gt;
#badblocks -v /dev/인식한 하드&lt;br /&gt;
&lt;/div&gt;
&lt;br /&gt;
될 수 있으면 하드디스크는 절대 중고로 구입하지 않기로 맘을 먹었지만....&lt;br /&gt;
이게 어디 쉬운일인가...&lt;br /&gt;
&amp;nbsp;&lt;br /&gt;
비싼 SCSI의 미련을 과감히 버리고 이번 업글하며 천덕구러기 처럼 구석에서 먼지만 쌓인 저용량 18GB 치타로 그 동안 안정성과 정숙성에서 입증된 만큼 다시 사용하고 NAS로 2TB의 구성을 목표로 &lt;a href=&quot;http://www.nudian.net/nudian/product_view.php?part_idx=2&amp;amp;goods_data=aWR4PTQyJnN0YXJ0UGFnZT0wJmxpc3RObz0xMSZ0YWJsZT1jc19nb29kcyZwYXJ0X2lkeD0xJnNlYXJjaF9pdGVtPQ==%7C%7C&quot;&gt;&lt;b&gt;코요테 Black S-ATA II RAID 4ch&lt;/b&gt;&lt;/a&gt; 국산제품 중 성능은 어떨지 모르지만 3만5천원에 중고가 나왔기에&amp;nbsp; 구입하기로 하였다. PCI-X 제품이며 SDS2에 인식이 잘된다면 500GB SATA2 하드는 중고로 구입할지 신품으로 구입할지.... 고민중이지만 아마도 이번의 정신적 패닉으로인해 신품으로 1개를 우선 구입할것 같다. 이모든것이 SDS2와의 궁합에 달려있다.&lt;br /&gt;
&lt;br /&gt;
중고제품이라&lt;br /&gt;
이상없는 제품이냐고 문의하였을때 잘 쓰던거라고 얼버므리면 그만이고 자신이 써오던 제품에 이상이 있는 것을 제품이 이상없다는 듯이 판매 하는 행위는 범죄행위와 뭐가 다른가! 남을 속이는 행위는 정말 나쁜짓이다.&lt;br /&gt;
&lt;br /&gt;
날라간 자료들에 대한 아쉬움이 너무 많이 남는다. 소잃고 외양간 고치는 격이지만 이제부터 직접 작성된 자료들은 CD,DVD백업을 하기로 하였다.&lt;br /&gt;
&lt;br /&gt;&lt;fieldset style=&quot;margin:20px 0px 20px 0px;padding:5px;&quot;&gt;&lt;legend&gt;&lt;span&gt;&lt;strong&gt;크리에이티브 커먼즈 라이선스&lt;/strong&gt;&lt;/span&gt;&lt;/legend&gt;&lt;!--Creative Commons License--&gt;&lt;div style=&quot;float: left; width: 88px; margin-top: 3px;&quot;&gt;&lt;a rel=&quot;license&quot; href=&quot;http://creativecommons.org/licenses/by-nc-nd/2.0/kr/&quot; target=&quot;_blank&quot;&gt;&lt;img alt=&quot;Creative Commons License&quot; style=&quot;border-width: 0&quot; src=&quot;http://i.creativecommons.org/l/by-nc-nd/2.0/kr/88x31.png&quot;/&gt;&lt;/a&gt;&lt;/div&gt;&lt;div style=&quot;margin-left: 92px; margin-top: 3px; text-align: justify;&quot;&gt;이 저작물은 &lt;a rel=&quot;license&quot; href=&quot;http://creativecommons.org/licenses/by-nc-nd/2.0/kr/&quot; target=&quot;_blank&quot;&gt;크리에이티브 커먼즈 코리아 저작자표시-비영리-변경금지 2.0 대한민국 라이선스&lt;/a&gt;에 따라 이용하실 수 있습니다.
			&lt;!-- Creative Commons License--&gt;
			&lt;!-- &lt;rdf:RDF xmlns=&quot;http://web.resource.org/cc/&quot; xmlns:dc=&quot;http://purl.org/dc/elements/1.1/&quot; xmlns:rdf=&quot;http://www.w3.org/1999/02/22-rdf-syntax-ns#&quot;&gt;
			&lt;Work rdf:about=&quot;&quot;&gt;
			&lt;license rdf:resource=&quot;http://creativecommons.org/licenses/by-nc-nd/2.0/kr/&quot; /&gt;
			&lt;/Work&gt;
			&lt;License rdf:about=&quot;http://creativecommons.org/licenses/by-nc-nd/&quot;&gt;
			&lt;permits rdf:resource=&quot;http://web.resource.org/cc/Reproduction&quot;/&gt;
			&lt;permits rdf:resource=&quot;http://web.resource.org/cc/Distribution&quot;/&gt;
			&lt;requires rdf:resource=&quot;http://web.resource.org/cc/Notice&quot;/&gt;
			&lt;requires rdf:resource=&quot;http://web.resource.org/cc/Attribution&quot;/&gt;&lt;prohibits rdf:resource=&quot;http://web.resource.org/cc/CommercialUse&quot;/&gt;&lt;/License&gt;&lt;/rdf:RDF&gt; --&gt;&lt;/div&gt;&lt;/fieldset&gt;</description>
			<category>개인함</category>
			<category>SATA RAID</category>
			<category>SCSI</category>
			<category>중고제품</category>
			<author>orchidii 오키드</author>
			<guid>http://dvvb.org/25</guid>
			<comments>http://dvvb.org/25#entry25comment</comments>
			<pubDate>Thu, 06 Nov 2008 00:11:19 +0900</pubDate>
		</item>
		<item>
			<title>우분투 apt-key</title>
			<link>http://dvvb.org/23</link>
			<description>&lt;br /&gt;
&lt;span style=&quot;font-weight: bold;&quot;&gt;Ubuntu apt-key&lt;/span&gt;&lt;br /&gt;
&lt;br /&gt;
apt-key 키 사용법&lt;br /&gt;
&lt;div style=&quot;border: 1px dashed rgb(193, 193, 193); padding: 10px; background-color: rgb(238, 238, 238);&quot; class=&quot;txc-textbox&quot;&gt;
Usage: apt-key [command] [arguments]&lt;br /&gt;
&lt;br /&gt;
Manage apt&#039;s list of trusted keys&lt;br /&gt;
&lt;br /&gt;
&amp;nbsp; apt-key add &amp;lt;file&amp;gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp; - add the key contained in &amp;lt;file&amp;gt; (&#039;-&#039; for stdin)&lt;br /&gt;
&amp;nbsp; apt-key del &amp;lt;keyid&amp;gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp; - remove the key &amp;lt;keyid&amp;gt;&lt;br /&gt;
&amp;nbsp; apt-key export &amp;lt;keyid&amp;gt;&amp;nbsp;&amp;nbsp;&amp;nbsp; - output the key &amp;lt;keyid&amp;gt;&lt;br /&gt;
&amp;nbsp; apt-key exportall&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp; - output all trusted keys&lt;br /&gt;
&amp;nbsp; apt-key update&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp; - update keys using the keyring package&lt;br /&gt;
&amp;nbsp; apt-key net-update&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp; - update keys using the network&lt;br /&gt;
&amp;nbsp; apt-key list&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp; - list keys&lt;br /&gt;
&lt;br /&gt;
&lt;/div&gt;
&lt;br /&gt;
&lt;br /&gt;
&lt;div style=&quot;border: 1px dashed rgb(193, 193, 193); padding: 10px; background-color: rgb(238, 238, 238);&quot; class=&quot;txc-textbox&quot;&gt;
cat sample_key&lt;br /&gt;
&lt;br /&gt;
-----BEGIN PGP PUBLIC KEY BLOCK-----&lt;br /&gt;
Version: GnuPG v1.4.6 (GNU/Linux)&lt;br /&gt;
bal~bal~bal~bal~bal~bal~bal~bal~bal~&lt;br /&gt;
bal~bal~bal~bal~bal~bal~bal~bal~bal~&lt;br /&gt;
bal~bal~bal~bal~bal~bal~bal~bal~bal~&lt;br /&gt;
-----END PGP PUBLIC KEY BLOCK-----&lt;br /&gt;
&lt;/div&gt;
&lt;br /&gt;
키 추가&lt;br /&gt;
&lt;div style=&quot;border: 1px dashed rgb(193, 193, 193); padding: 10px; background-color: rgb(238, 238, 238);&quot; class=&quot;txc-textbox&quot;&gt;
sudo apt-key add sample_key&lt;br /&gt;
&lt;/div&gt;
&lt;br /&gt;
&lt;div style=&quot;border: 1px dashed rgb(193, 193, 193); padding: 10px; background-color: rgb(238, 238, 238);&quot; class=&quot;txc-textbox&quot;&gt;
sudo apt-key list&lt;br /&gt;
/etc/apt/trusted.gpg&lt;br /&gt;
--------------------&lt;br /&gt;
pub&amp;nbsp;&amp;nbsp; 1024D/437D05B5 2004-09-12&lt;br /&gt;
uid&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp; Ubuntu Archive Automatic Signing Key &amp;lt;ftpmaster@ubuntu.com&amp;gt;&lt;br /&gt;
sub&amp;nbsp;&amp;nbsp; 2048g/79164387 2004-09-12&lt;br /&gt;
&lt;br /&gt;
pub&amp;nbsp;&amp;nbsp; 1024D/FBB75451 2004-12-30&lt;br /&gt;
uid&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp; Ubuntu CD Image Automatic Signing Key &amp;lt;cdimage@ubuntu.com&amp;gt;&lt;br /&gt;
&lt;br /&gt;
pub&amp;nbsp;&amp;nbsp; 1024D/023DDE46 2007-10-21&lt;br /&gt;
uid&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp; Sample (sample key for signing repositories) &amp;lt;info@localhost&amp;gt;&lt;br /&gt;
sub&amp;nbsp;&amp;nbsp; 2048g/B5D4F05E 2007-10-21&lt;/div&gt;
&lt;br /&gt;
키 지우기&lt;br /&gt;
&lt;div style=&quot;border: 1px dashed rgb(193, 193, 193); padding: 10px; background-color: rgb(238, 238, 238);&quot; class=&quot;txc-textbox&quot;&gt;
sudo apt-key del 023DDE46&lt;br /&gt;
OK&lt;/div&gt;
&lt;br /&gt;
&lt;div style=&quot;border: 1px dashed rgb(193, 193, 193); padding: 10px; background-color: rgb(238, 238, 238);&quot; class=&quot;txc-textbox&quot;&gt;
&amp;nbsp;sudo apt-key list&lt;br /&gt;
/etc/apt/trusted.gpg&lt;br /&gt;
--------------------&lt;br /&gt;
pub&amp;nbsp;&amp;nbsp; 1024D/437D05B5 2004-09-12&lt;br /&gt;
uid&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp; Ubuntu Archive Automatic Signing Key &amp;lt;ftpmaster@ubuntu.com&amp;gt;&lt;br /&gt;
sub&amp;nbsp;&amp;nbsp; 2048g/79164387 2004-09-12&lt;br /&gt;
&lt;br /&gt;
pub&amp;nbsp;&amp;nbsp; 1024D/FBB75451 2004-12-30&lt;br /&gt;
uid&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp; Ubuntu CD Image Automatic Signing Key &amp;lt;cdimage@ubuntu.com&amp;gt;&lt;br /&gt;
&lt;/div&gt;
&lt;br /&gt;
&lt;br /&gt;
&lt;br /&gt;&lt;fieldset style=&quot;margin:20px 0px 20px 0px;padding:5px;&quot;&gt;&lt;legend&gt;&lt;span&gt;&lt;strong&gt;크리에이티브 커먼즈 라이선스&lt;/strong&gt;&lt;/span&gt;&lt;/legend&gt;&lt;!--Creative Commons License--&gt;&lt;div style=&quot;float: left; width: 88px; margin-top: 3px;&quot;&gt;&lt;a rel=&quot;license&quot; href=&quot;http://creativecommons.org/licenses/by-nc-nd/2.0/kr/&quot; target=&quot;_blank&quot;&gt;&lt;img alt=&quot;Creative Commons License&quot; style=&quot;border-width: 0&quot; src=&quot;http://i.creativecommons.org/l/by-nc-nd/2.0/kr/88x31.png&quot;/&gt;&lt;/a&gt;&lt;/div&gt;&lt;div style=&quot;margin-left: 92px; margin-top: 3px; text-align: justify;&quot;&gt;이 저작물은 &lt;a rel=&quot;license&quot; href=&quot;http://creativecommons.org/licenses/by-nc-nd/2.0/kr/&quot; target=&quot;_blank&quot;&gt;크리에이티브 커먼즈 코리아 저작자표시-비영리-변경금지 2.0 대한민국 라이선스&lt;/a&gt;에 따라 이용하실 수 있습니다.
			&lt;!-- Creative Commons License--&gt;
			&lt;!-- &lt;rdf:RDF xmlns=&quot;http://web.resource.org/cc/&quot; xmlns:dc=&quot;http://purl.org/dc/elements/1.1/&quot; xmlns:rdf=&quot;http://www.w3.org/1999/02/22-rdf-syntax-ns#&quot;&gt;
			&lt;Work rdf:about=&quot;&quot;&gt;
			&lt;license rdf:resource=&quot;http://creativecommons.org/licenses/by-nc-nd/2.0/kr/&quot; /&gt;
			&lt;/Work&gt;
			&lt;License rdf:about=&quot;http://creativecommons.org/licenses/by-nc-nd/&quot;&gt;
			&lt;permits rdf:resource=&quot;http://web.resource.org/cc/Reproduction&quot;/&gt;
			&lt;permits rdf:resource=&quot;http://web.resource.org/cc/Distribution&quot;/&gt;
			&lt;requires rdf:resource=&quot;http://web.resource.org/cc/Notice&quot;/&gt;
			&lt;requires rdf:resource=&quot;http://web.resource.org/cc/Attribution&quot;/&gt;&lt;prohibits rdf:resource=&quot;http://web.resource.org/cc/CommercialUse&quot;/&gt;&lt;/License&gt;&lt;/rdf:RDF&gt; --&gt;&lt;/div&gt;&lt;/fieldset&gt;</description>
			<category>Ubuntu</category>
			<category>apt-key</category>
			<category>Ubuntu Linux</category>
			<category>우분투</category>
			<author>orchidii 오키드</author>
			<guid>http://dvvb.org/23</guid>
			<comments>http://dvvb.org/23#entry23comment</comments>
			<pubDate>Thu, 30 Oct 2008 23:38:09 +0900</pubDate>
		</item>
		<item>
			<title>조나다 710 720 #7 - 기본프로그램 보이스레코더</title>
			<link>http://dvvb.org/21</link>
			<description>&lt;ol style=&quot;list-style-type: decimal;&quot;&gt;
&lt;li&gt;&lt;a href=&quot;http://dvvb.tistory.com/14&quot;&gt;조나다 710 720 #1 - 시작하며&lt;div class=&quot;imageblock right&quot; style=&quot;float: right; margin-left: 10px;&quot;&gt;&lt;a href=&quot;http://cfile1.uf.tistory.com/original/1536EE504D178C1307AFF2&quot; rel=&quot;lightbox&quot; target=&quot;_blank&quot;&gt;&lt;img src=&quot;http://cfile1.uf.tistory.com/image/1536EE504D178C1307AFF2&quot; alt=&quot;&quot; height=&quot;17&quot; width=&quot;23&quot;/&gt;&lt;/a&gt;&lt;/div&gt;&lt;/a&gt;
											&lt;/li&gt;
&lt;li&gt;
											&lt;span class=&quot;date&quot;&gt;&lt;/span&gt; &lt;a href=&quot;http://dvvb.tistory.com/16&quot;&gt;조나다 710 720 #2 - 외형편&lt;/a&gt;&lt;/li&gt;
&lt;li&gt;&lt;a href=&quot;http://dvvb.tistory.com/17&quot;&gt;조나다 710 720 #3 - 사양편&lt;/a&gt;
											&lt;span class=&quot;cnt&quot;&gt;&lt;/span&gt;
										&lt;/li&gt;
&lt;li&gt;&lt;a href=&quot;http://dvvb.tistory.com/18&quot;&gt;조나다 710 720 #4 - 기본프로그램&lt;/a&gt;&lt;/li&gt;
&lt;li&gt;&lt;a href=&quot;http://dvvb.tistory.com/19&quot;&gt;조나다 710 720 #5 - 쓸만한 기본프로그램 InkWriter 리뷰&lt;/a&gt;&lt;/li&gt;
&lt;li&gt;&lt;a href=&quot;http://dvvb.tistory.com/20&quot;&gt;조나다 710 720 #6 - 기본프로그램 재무계산 OmniSolve 리뷰&lt;/a&gt;&lt;/li&gt;
&lt;li style=&quot;font-weight: bold;&quot;&gt;&lt;a target=&quot;&quot; href=&quot;http://dvvb.tistory.com/21&quot;&gt;조나다 710 720 #7 - 기본프로그램 보이스레코더&lt;/a&gt;&lt;/li&gt;
&lt;/ol&gt;
&lt;br /&gt;
사용자마다 차이는 있으나 보이스 레코더는 정말 유용하게 쓰일곳이 많이 있습니다.&lt;br /&gt;
&lt;br /&gt;
&lt;div class=&quot;imageblock left&quot; style=&quot;float: left; margin-right: 10px;&quot;&gt;&lt;a href=&quot;http://cfile1.uf.tistory.com/original/1536EE504D178C1307AFF2&quot; rel=&quot;lightbox&quot; target=&quot;_blank&quot;&gt;&lt;img src=&quot;http://cfile1.uf.tistory.com/image/1536EE504D178C1307AFF2&quot; alt=&quot;&quot; height=&quot;17&quot; width=&quot;23&quot;/&gt;&lt;/a&gt;&lt;/div&gt;보이스 레코더는 Accessories(보조프로그램)에 위치하고 있습니다.&lt;br /&gt;
&lt;br /&gt;
&lt;br /&gt;
&lt;br /&gt;
이제 실행해보죠&lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold;&quot;&gt;&lt;/span&gt;&lt;div style=&quot;border: 1px dashed rgb(121, 165, 228); padding: 10px; background-color: rgb(219, 232, 251);&quot; class=&quot;txc-textbox&quot;&gt;
&lt;span style=&quot;font-weight: bold;&quot;&gt;조나다 710 720 728 보이스 레코더 옵션조정&lt;/span&gt;&lt;br /&gt;
먼저 Tools메뉴 Options에서 저장폴더를 보조메모리로 설정 하시길 권장 합니다.&lt;br /&gt;
PC는 HDD(하드디스크)를 보조메모리로 사용하지만 조나다는 CF메모르를 기본 보조메모리로 사용하고 있습니다.&lt;br /&gt;
8GB를 개인적으로 사용하는데 요즘 값도 저렴하기 때문에 용량이 큰것이면 좋습니다.&lt;/div&gt;
&lt;br /&gt;
&lt;br /&gt;
General(일반탭)&lt;br /&gt;
&lt;div class=&quot;imageblock center&quot; style=&quot;text-align: center; clear: both;&quot;&gt;&lt;a href=&quot;http://cfile29.uf.tistory.com/original/2007C04E4D178C1307C872&quot; rel=&quot;lightbox&quot; target=&quot;_blank&quot;&gt;&lt;img src=&quot;http://cfile29.uf.tistory.com/image/2007C04E4D178C1307C872&quot; alt=&quot;&quot; height=&quot;236&quot; width=&quot;630&quot;/&gt;&lt;/a&gt;&lt;/div&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;ul style=&quot;list-style-type: square;&quot;&gt;
&lt;li&gt;Save to external card when available 체크 하고 Storage Card로 선택 하면 CF 보조메모리에 녹음파일이 저장됩니다. &lt;br /&gt;
&lt;/li&gt;
&lt;li&gt;Enable beep feedback&amp;nbsp; 녹음시작시 또는 끝날때 비프음 알림&lt;/li&gt;
&lt;/ul&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold;&quot;&gt;&lt;/span&gt;&lt;div style=&quot;border: 1px dashed rgb(121, 165, 228); padding: 10px; background-color: rgb(219, 232, 251);&quot; class=&quot;txc-textbox&quot;&gt;
&lt;span style=&quot;font-weight: bold;&quot;&gt;레코딩 포멧&lt;/span&gt;&lt;br /&gt;
PCM과 GSM방식이 있으며 보편적으로 PCM방식과 음질을 적절히 테스트 하셔서 사용 합니다.&lt;br /&gt;
음질은 사용자마다 선호도가 틀리기 때문에 무조건 낮은 음질은 권장하지 않겠습니다.&lt;br /&gt;
고용량의 메모리를 사용하는 마당에 음질을 낮게 해서 조잡하게 들을 필요 까지는 없습니다.&lt;br /&gt;
그러나 고용량이 아닌 128MB CF나 메인메모리를 이용하신다면 음질은 낮을 수록 좋고요^^;&lt;br /&gt;
상용제품들중엔 MP3형식의 압축을 이용하는 보이스레코더도 있지만 이건 어디까지나 사용자 취향이기 때문에 기본편에서는 언급을 하지 않겠습니다.&lt;br /&gt;
&lt;/div&gt;
&lt;br /&gt;
&lt;div class=&quot;imageblock center&quot; style=&quot;text-align: center; clear: both;&quot;&gt;&lt;a href=&quot;http://cfile7.uf.tistory.com/original/1370514A4D178C120BA2F8&quot; rel=&quot;lightbox&quot; target=&quot;_blank&quot;&gt;&lt;img src=&quot;http://cfile7.uf.tistory.com/image/1370514A4D178C120BA2F8&quot; alt=&quot;&quot; height=&quot;236&quot; width=&quot;630&quot;/&gt;&lt;/a&gt;&lt;/div&gt;&lt;br /&gt;
녹음 버튼을 클릭 하면 녹음이 시작됩니다.&lt;br /&gt;
&lt;br /&gt;
&lt;div class=&quot;imageblock center&quot; style=&quot;text-align: center; clear: both;&quot;&gt;&lt;a href=&quot;http://cfile3.uf.tistory.com/original/136F21584D178C121AF31D&quot; rel=&quot;lightbox&quot; target=&quot;_blank&quot;&gt;&lt;img src=&quot;http://cfile3.uf.tistory.com/image/136F21584D178C121AF31D&quot; alt=&quot;&quot; height=&quot;419&quot; width=&quot;630&quot;/&gt;&lt;/a&gt;&lt;/div&gt;&lt;br /&gt;
녹음이 시작되면 조나다의 전면 볼륨조절 버튼 CTRL키 쪽 LED에 빨간불이 들어 옵니다. 녹음이 되고 있다는 인디케이터에 불이 들어 오면 녹음이 되고 있다는 것 입니다.&amp;nbsp; &lt;br /&gt;
&lt;br /&gt;
&lt;span style=&quot;font-weight: bold;&quot;&gt;녹음된 파일 듣기&lt;br /&gt;
&lt;br /&gt;
&lt;/span&gt;&lt;div class=&quot;imageblock center&quot; style=&quot;text-align: center; clear: both;&quot;&gt;&lt;a href=&quot;http://cfile25.uf.tistory.com/original/156E7E594D178C1214F3D0&quot; rel=&quot;lightbox&quot; target=&quot;_blank&quot;&gt;&lt;img src=&quot;http://cfile25.uf.tistory.com/image/156E7E594D178C1214F3D0&quot; alt=&quot;&quot; height=&quot;236&quot; width=&quot;630&quot;/&gt;&lt;/a&gt;&lt;/div&gt;&lt;br /&gt;
&lt;br /&gt;
녹음된 파일이 보조메모리에 저장되고 리스트에 표시되고 있습니다. &lt;br /&gt;
플레이버튼이나 엔터를 눌러 녹음이 잘 되었는지 확인 합니다.&lt;br /&gt;
Control 쪽에 보면 Play Sequential 를 이용하면 순차적으로 녹음된 파일을 청취 하실 수 있습니다.&lt;br /&gt;
&lt;br /&gt;
PDA나 핸드헬드PC류는 거의다 있는 기능이고 유용하게 사용되는 기능이기에 음성메모하고 관리하는 습관을 가져봅시다^^; 몇년 후 들어 보면 재미있었던 또는 귀중한 자료가 될지도 모르겠군요&lt;br /&gt;
&lt;br /&gt;
&amp;lt;-&lt;a href=&quot;http://dvvb.tistory.com/20&quot;&gt;조나다 710 720 #6 - 기본프로그램 재무계산 OmniSolve 리뷰&lt;/a&gt;&lt;br /&gt;
&lt;br /&gt;&lt;fieldset style=&quot;margin:20px 0px 20px 0px;padding:5px;&quot;&gt;&lt;legend&gt;&lt;span&gt;&lt;strong&gt;크리에이티브 커먼즈 라이선스&lt;/strong&gt;&lt;/span&gt;&lt;/legend&gt;&lt;!--Creative Commons License--&gt;&lt;div style=&quot;float: left; width: 88px; margin-top: 3px;&quot;&gt;&lt;a rel=&quot;license&quot; href=&quot;http://creativecommons.org/licenses/by-nc-nd/2.0/kr/&quot; target=&quot;_blank&quot;&gt;&lt;img alt=&quot;Creative Commons License&quot; style=&quot;border-width: 0&quot; src=&quot;http://i.creativecommons.org/l/by-nc-nd/2.0/kr/88x31.png&quot;/&gt;&lt;/a&gt;&lt;/div&gt;&lt;div style=&quot;margin-left: 92px; margin-top: 3px; text-align: justify;&quot;&gt;이 저작물은 &lt;a rel=&quot;license&quot; href=&quot;http://creativecommons.org/licenses/by-nc-nd/2.0/kr/&quot; target=&quot;_blank&quot;&gt;크리에이티브 커먼즈 코리아 저작자표시-비영리-변경금지 2.0 대한민국 라이선스&lt;/a&gt;에 따라 이용하실 수 있습니다.
			&lt;!-- Creative Commons License--&gt;
			&lt;!-- &lt;rdf:RDF xmlns=&quot;http://web.resource.org/cc/&quot; xmlns:dc=&quot;http://purl.org/dc/elements/1.1/&quot; xmlns:rdf=&quot;http://www.w3.org/1999/02/22-rdf-syntax-ns#&quot;&gt;
			&lt;Work rdf:about=&quot;&quot;&gt;
			&lt;license rdf:resource=&quot;http://creativecommons.org/licenses/by-nc-nd/2.0/kr/&quot; /&gt;
			&lt;/Work&gt;
			&lt;License rdf:about=&quot;http://creativecommons.org/licenses/by-nc-nd/&quot;&gt;
			&lt;permits rdf:resource=&quot;http://web.resource.org/cc/Reproduction&quot;/&gt;
			&lt;permits rdf:resource=&quot;http://web.resource.org/cc/Distribution&quot;/&gt;
			&lt;requires rdf:resource=&quot;http://web.resource.org/cc/Notice&quot;/&gt;
			&lt;requires rdf:resource=&quot;http://web.resource.org/cc/Attribution&quot;/&gt;&lt;prohibits rdf:resource=&quot;http://web.resource.org/cc/CommercialUse&quot;/&gt;&lt;/License&gt;&lt;/rdf:RDF&gt; --&gt;&lt;/div&gt;&lt;/fieldset&gt;</description>
			<category>Jornada 720</category>
			<category>HandheldPC</category>
			<category>Jornada</category>
			<category>PDA/모바일</category>
			<category>Voice Recorder</category>
			<category>보이스레코더</category>
			<category>조나다</category>
			<category>조나다 강좌</category>
			<category>조나다710</category>
			<category>조나다720</category>
			<author>orchidii 오키드</author>
			<guid>http://dvvb.org/21</guid>
			<comments>http://dvvb.org/21#entry21comment</comments>
			<pubDate>Thu, 30 Oct 2008 17:36:34 +0900</pubDate>
		</item>
		<item>
			<title>조나다 710 720 #6 - 기본프로그램 재무계산 OmniSolve 리뷰</title>
			<link>http://dvvb.org/20</link>
			<description>&lt;ol style=&quot;list-style-type: decimal;&quot;&gt;
&lt;li&gt;&lt;a href=&quot;http://dvvb.tistory.com/14&quot;&gt;조나다 710 720 #1 - 시작하며&lt;div class=&quot;imageblock right&quot; style=&quot;float: right; margin-left: 10px;&quot;&gt;&lt;a href=&quot;http://cfile25.uf.tistory.com/original/171A064D4D178C1208FF63&quot; rel=&quot;lightbox&quot; target=&quot;_blank&quot;&gt;&lt;img src=&quot;http://cfile25.uf.tistory.com/image/171A064D4D178C1208FF63&quot; alt=&quot;&quot; height=&quot;24&quot; width=&quot;24&quot;/&gt;&lt;/a&gt;&lt;/div&gt;&lt;/a&gt;
											&lt;/li&gt;
&lt;li&gt;
											 &lt;a href=&quot;http://dvvb.tistory.com/16&quot;&gt;조나다 710 720 #2 - 외형편&lt;/a&gt;&lt;/li&gt;
&lt;li&gt;&lt;a aiotarget=&quot;false&quot; aiotitle=&quot;조나다 710 720 #3 - 사양편&quot; href=&quot;http://dvvb.tistory.com/17&quot;&gt;조나다 710 720 #3 - 사양편&lt;/a&gt;
											
										&lt;/li&gt;
&lt;li&gt;&lt;a aiotitle=&quot;조나다 710 720 #4 - 기본프로그램&quot; href=&quot;http://dvvb.tistory.com/18&quot;&gt;조나다 710 720 #4 - 기본프로그램&lt;/a&gt;&lt;/li&gt;
&lt;li&gt;&lt;a target=&quot;&quot; aiotitle=&quot;조나다 710 720 #4 - 기본프로그램&quot; href=&quot;http://dvvb.tistory.com/19&quot;&gt;조나다 710 720 #5 - 기본프로그램 InkWriter 리뷰&lt;/a&gt;&lt;/li&gt;
&lt;li style=&quot;font-weight: bold;&quot;&gt;&lt;a href=&quot;http://dvvb.tistory.com/20&quot;&gt;조나다 710 720 #6 - 기본프로그램 재무계산 OmniSolve 리뷰&lt;/a&gt;&lt;/li&gt;
&lt;li&gt;&lt;a href=&quot;http://dvvb.tistory.com/21&quot;&gt;조나다 710 720 #7 - 기본프로그램 보이스레코더&lt;/a&gt;&lt;/li&gt;
&lt;/ol&gt;

&lt;hr style=&quot;border-style: dotted none none; border-color: black; border-width: 1px 0px 0px; height: 1px; display: block;&quot;&gt;&lt;div class=&quot;imageblock center&quot; style=&quot;text-align: center; clear: both;&quot;&gt;&lt;a href=&quot;http://cfile1.uf.tistory.com/original/1153A5484D178C0C0FB909&quot; rel=&quot;lightbox&quot; target=&quot;_blank&quot;&gt;&lt;img src=&quot;http://cfile1.uf.tistory.com/image/1153A5484D178C0C0FB909&quot; alt=&quot;&quot; height=&quot;412&quot; width=&quot;620&quot;/&gt;&lt;/a&gt;&lt;/div&gt;&lt;br /&gt;
위 사진은 필자가 가지고 있는 HP 10BII 재무용 계산기입니다. 매형한테 선물을 받은것이라 고이 보관중이지만 어쩌다 한번 사용하는거라 사용할때마다 매번 까먹어 매뉴얼과 씨름하고 있는 아주 사용하기 까다롭지만 매뉴얼을 볼때마다 기특한 기능들에 놀라곤 합니다.&lt;br /&gt;
&lt;br /&gt;
이번에 소개할 조나다 710 720 728에 기본롬에 포함되어 있는 &lt;a title=&quot;[http://www.landware.com]로 이동합니다.&quot; target=&quot;_blank&quot; href=&quot;http://www.landware.com&quot;&gt;Landware&lt;/a&gt;의 OmniSolve(이하 옴니솔브)가 이런 재무계산기의 역할을 합니다. 금융권이나 보험쪽에 종사하면 잘 알고 계실텐데요 개인적으로 옴니솔브의 부가기능중 %,거리 환산,DAY계산 정도만 가끔 활용합니다. 옴니솔브 프로그램을 활용하지 않지만 재무용 계산과 PIM(개인정보관리)를 원하는 분들이 혹시 계실지 몰라 리뷰를 합니다.&lt;br /&gt;
&lt;br /&gt;
&lt;div style=&quot;border: 1px dashed rgb(121, 165, 228); padding: 10px; background-color: rgb(219, 232, 251);&quot; class=&quot;txc-textbox&quot;&gt;
서두에도 밝혔듯이 이쪽은 영 잼뱅이라 구글링을 해보았지만 한글로된 참고자료 조차 구할수 없었으며 나름 알고 있는 지식이 확실치 않기에 자칫 오해를 불러 올 수 있어 고민끝에 오래전에 쿡오알지의 회원분중 박재석님께서 작성한 워드파일을 웹용에 맞게 수정하고 스샷을 약간 첨가하여 리뷰를 진행 합니다. 박재석님께서 작성한 활용법은 아쉽지만 옴니솔브의 기능중 &lt;meta http-equiv=&quot;Content-Type&quot; content=&quot;text/html; charset=utf-8&quot;&gt;&lt;meta name=&quot;ProgId&quot; content=&quot;Word.Document&quot;&gt;&lt;meta name=&quot;Generator&quot; content=&quot;Microsoft Word 12&quot;&gt;&lt;meta name=&quot;Originator&quot; content=&quot;Microsoft Word 12&quot;&gt;&lt;link rel=&quot;File-List&quot; href=&quot;file:///C:%5CDOCUME%7E1%5Cleo%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_filelist.xml&quot;&gt;&lt;link rel=&quot;themeData&quot; href=&quot;file:///C:%5CDOCUME%7E1%5Cleo%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_themedata.thmx&quot;&gt;&lt;link rel=&quot;colorSchemeMapping&quot; href=&quot;file:///C:%5CDOCUME%7E1%5Cleo%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_colorschememapping.xml&quot;&gt;&lt;!--[if gte mso 9]&gt;&lt;xml&gt;
 &lt;w:WordDocument&gt;
  &lt;w:View&gt;Normal&lt;/w:View&gt;
  &lt;w:Zoom&gt;0&lt;/w:Zoom&gt;
  &lt;w:TrackMoves/&gt;
  &lt;w:TrackFormatting/&gt;
  &lt;w:DisplayHorizontalDrawingGridEvery&gt;0&lt;/w:DisplayHorizontalDrawingGridEvery&gt;
  &lt;w:DisplayVerticalDrawingGridEvery&gt;2&lt;/w:DisplayVerticalDrawingGridEvery&gt;
  &lt;w:ValidateAgainstSchemas/&gt;
  &lt;w:SaveIfXMLInvalid&gt;false&lt;/w:SaveIfXMLInvalid&gt;
  &lt;w:IgnoreMixedContent&gt;false&lt;/w:IgnoreMixedContent&gt;
  &lt;w:AlwaysShowPlaceholderText&gt;false&lt;/w:AlwaysShowPlaceholderText&gt;
  &lt;w:DoNotPromoteQF/&gt;
  &lt;w:LidThemeOther&gt;EN-US&lt;/w:LidThemeOther&gt;
  &lt;w:LidThemeAsian&gt;KO&lt;/w:LidThemeAsian&gt;
  &lt;w:LidThemeComplexScript&gt;X-NONE&lt;/w:LidThemeComplexScript&gt;
  &lt;w:Compatibility&gt;
   &lt;w:SpaceForUL/&gt;
   &lt;w:BalanceSingleByteDoubleByteWidth/&gt;
   &lt;w:DoNotLeaveBackslashAlone/&gt;
   &lt;w:ULTrailSpace/&gt;
   &lt;w:DoNotExpandShiftReturn/&gt;
   &lt;w:AdjustLineHeightInTable/&gt;
   &lt;w:BreakWrappedTables/&gt;
   &lt;w:SnapToGridInCell/&gt;
   &lt;w:WrapTextWithPunct/&gt;
   &lt;w:UseAsianBreakRules/&gt;
   &lt;w:DontGrowAutofit/&gt;
   &lt;w:SplitPgBreakAndParaMark/&gt;
   &lt;w:DontVertAlignCellWithSp/&gt;
   &lt;w:DontBreakConstrainedForcedTables/&gt;
   &lt;w:DontVertAlignInTxbx/&gt;
   &lt;w:Word11KerningPairs/&gt;
   &lt;w:CachedColBalance/&gt;
   &lt;w:UseFELayout/&gt;
  &lt;/w:Compatibility&gt;
  &lt;w:BrowserLevel&gt;MicrosoftInternetExplorer4&lt;/w:BrowserLevel&gt;
  &lt;m:mathPr&gt;
   &lt;m:mathFont m:val=&quot;Cambria Math&quot;/&gt;
   &lt;m:brkBin m:val=&quot;before&quot;/&gt;
   &lt;m:brkBinSub m:val=&quot;&amp;#45;-&quot;/&gt;
   &lt;m:smallFrac m:val=&quot;off&quot;/&gt;
   &lt;m:dispDef/&gt;
   &lt;m:lMargin m:val=&quot;0&quot;/&gt;
   &lt;m:rMargin m:val=&quot;0&quot;/&gt;
   &lt;m:defJc m:val=&quot;centerGroup&quot;/&gt;
   &lt;m:wrapIndent m:val=&quot;1440&quot;/&gt;
   &lt;m:intLim m:val=&quot;subSup&quot;/&gt;
   &lt;m:naryLim m:val=&quot;undOvr&quot;/&gt;
  &lt;/m:mathPr&gt;&lt;/w:WordDocument&gt;
&lt;/xml&gt;&lt;![endif]--&gt;&lt;!--[if gte mso 9]&gt;&lt;xml&gt;
 &lt;w:LatentStyles DefLockedState=&quot;false&quot; DefUnhideWhenUsed=&quot;true&quot;
  DefSemiHidden=&quot;true&quot; DefQFormat=&quot;false&quot; DefPriority=&quot;99&quot;
  LatentStyleCount=&quot;267&quot;&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;0&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Normal&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;heading 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 7&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 8&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 9&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 7&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 8&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 9&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;35&quot; QFormat=&quot;true&quot; Name=&quot;caption&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;10&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Title&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;1&quot; Name=&quot;Default Paragraph Font&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;11&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Subtitle&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;22&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Strong&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;20&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Emphasis&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;59&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Table Grid&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; UnhideWhenUsed=&quot;false&quot; Name=&quot;Placeholder Text&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;1&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;No Spacing&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; UnhideWhenUsed=&quot;false&quot; Name=&quot;Revision&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;34&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;List Paragraph&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;29&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Quote&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;30&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Intense Quote&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;19&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Subtle Emphasis&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;21&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Intense Emphasis&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;31&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Subtle Reference&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;32&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Intense Reference&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;33&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Book Title&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;37&quot; Name=&quot;Bibliography&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; QFormat=&quot;true&quot; Name=&quot;TOC Heading&quot;/&gt;
 &lt;/w:LatentStyles&gt;
&lt;/xml&gt;&lt;![endif]--&gt;&lt;style&gt;&lt;span style=&quot;font-size: 9pt;&quot;&gt;&lt;span style=&quot;font-family: Gulim;&quot;&gt;
&lt;!--
 /* Font Definitions */
 @font-face
	{font-family:바탕;
	panose-1:2 3 6 0 0 1 1 1 1 1;
	mso-font-alt:Batang;
	mso-font-charset:129;
	mso-generic-font-family:roman;
	mso-font-pitch:variable;
	mso-font-signature:-1342176593 1775729915 48 0 524447 0;}
@font-face
	{font-family:&quot;Cambria Math&quot;;
	panose-1:2 4 5 3 5 4 6 3 2 4;
	mso-font-charset:1;
	mso-generic-font-family:roman;
	mso-font-format:other;
	mso-font-pitch:variable;
	mso-font-signature:0 0 0 0 0 0;}
@font-face
	{font-family:&quot;\@바탕&quot;;
	panose-1:2 3 6 0 0 1 1 1 1 1;
	mso-font-charset:129;
	mso-generic-font-family:roman;
	mso-font-pitch:variable;
	mso-font-signature:-1342176593 1775729915 48 0 524447 0;}
 /* Style Definitions */
 p.MsoNormal, li.MsoNormal, div.MsoNormal
	{mso-style-unhide:no;
	mso-style-qformat:yes;
	mso-style-parent:&quot;&quot;;
	margin:0cm;
	margin-bottom:.0001pt;
	text-align:justify;
	text-justify:inter-ideograph;
	mso-pagination:none;
	text-autospace:none;
	word-break:break-hangul;
	font-size:10.0pt;
	mso-bidi-font-size:12.0pt;
	font-family:&quot;바탕&quot;,&quot;serif&quot;;
	mso-hansi-font-family:&quot;Times New Roman&quot;;
	mso-bidi-font-family:&quot;Times New Roman&quot;;
	mso-font-kerning:1.0pt;}
.MsoChpDefault
	{mso-style-type:export-only;
	mso-default-props:yes;
	mso-bidi-font-size:10.0pt;
	mso-ascii-font-family:&quot;Times New Roman&quot;;
	mso-fareast-font-family:바탕;
	mso-hansi-font-family:&quot;Times New Roman&quot;;
	mso-font-kerning:0pt;}
 /* Page Definitions */
 @page
	{mso-page-border-surround-header:no;
	mso-page-border-surround-footer:no;}
@page Section1
	{size:612.0pt 792.0pt;
	margin:3.0cm 72.0pt 72.0pt 72.0pt;
	mso-header-margin:36.0pt;
	mso-footer-margin:36.0pt;
	mso-paper-source:0;}
div.Section1
	{page:Section1;}
--&gt;
&lt;/span&gt;&lt;/span&gt;&lt;/style&gt;&lt;!--[if gte mso 10]&gt;
&lt;style&gt;
 /* Style Definitions */
 table.MsoNormalTable
	{mso-style-name:&quot;표준 표&quot;;
	mso-tstyle-rowband-size:0;
	mso-tstyle-colband-size:0;
	mso-style-noshow:yes;
	mso-style-priority:99;
	mso-style-qformat:yes;
	mso-style-parent:&quot;&quot;;
	mso-padding-alt:0cm 5.4pt 0cm 5.4pt;
	mso-para-margin:0cm;
	mso-para-margin-bottom:.0001pt;
	mso-pagination:widow-orphan;
	font-size:10.0pt;
	mso-bidi-font-size:11.0pt;
	font-family:&quot;맑은 고딕&quot;;
	mso-ascii-font-family:&quot;맑은 고딕&quot;;
	mso-ascii-theme-font:minor-latin;
	mso-fareast-font-family:&quot;맑은 고딕&quot;;
	mso-fareast-theme-font:minor-fareast;
	mso-hansi-font-family:&quot;맑은 고딕&quot;;
	mso-hansi-theme-font:minor-latin;
	mso-bidi-font-family:&quot;Times New Roman&quot;;
	mso-bidi-theme-font:minor-bidi;
	mso-font-kerning:1.0pt;}
&lt;/style&gt;
&lt;![endif]--&gt;&lt;span style=&quot;font-size: 18pt; font-family: &amp;quot;바탕&amp;quot;,&amp;quot;serif&amp;quot;;&quot; lang=&quot;EN-US&quot;&gt;&lt;span style=&quot;font-size: 9pt;&quot;&gt;&lt;span style=&quot;font-family: Gulim;&quot;&gt;TVM,Interest
conversion &lt;/span&gt;&lt;/span&gt;&lt;/span&gt;2가지 밖에 없습니다. 매우 복잡해 보이지만 설명이 워낙 잘되어 있어 천천히 따라 하면 익혀 보세요 &lt;br /&gt;
&lt;span style=&quot;font-size: 18pt; font-family: &amp;quot;바탕&amp;quot;,&amp;quot;serif&amp;quot;;&quot; lang=&quot;EN-US&quot;&gt;&lt;span style=&quot;font-size: 9pt;&quot;&gt;&lt;span style=&quot;font-family: Gulim;&quot;&gt;인용부호로 감싼 TVM,Interest
conversion 부분을 제외한 나머지는 스샷과 간략한 설명으로 보충 합니다.&lt;br /&gt;
&lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;span style=&quot;font-weight: bold;&quot;&gt;필자분이 보신다면 게시에 대한 여부를 꼭 연락을 주셨으면 좋겠습니다.&lt;br /&gt;
&lt;/span&gt;&lt;/div&gt;
&lt;br /&gt;
&lt;br /&gt;
&lt;blockquote&gt;&lt;meta http-equiv=&quot;Content-Type&quot; content=&quot;text/html; charset=utf-8&quot;&gt;&lt;meta name=&quot;ProgId&quot; content=&quot;Word.Document&quot;&gt;&lt;meta name=&quot;Generator&quot; content=&quot;Microsoft Word 12&quot;&gt;&lt;meta name=&quot;Originator&quot; content=&quot;Microsoft Word 12&quot;&gt;&lt;link rel=&quot;File-List&quot; href=&quot;file:///C:%5CDOCUME%7E1%5Cleo%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_filelist.xml&quot;&gt;&lt;link rel=&quot;themeData&quot; href=&quot;file:///C:%5CDOCUME%7E1%5Cleo%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_themedata.thmx&quot;&gt;&lt;link rel=&quot;colorSchemeMapping&quot; href=&quot;file:///C:%5CDOCUME%7E1%5Cleo%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_colorschememapping.xml&quot;&gt;&lt;!--[if gte mso 9]&gt;&lt;xml&gt;
 &lt;w:WordDocument&gt;
  &lt;w:View&gt;Normal&lt;/w:View&gt;
  &lt;w:Zoom&gt;0&lt;/w:Zoom&gt;
  &lt;w:TrackMoves/&gt;
  &lt;w:TrackFormatting/&gt;
  &lt;w:DisplayHorizontalDrawingGridEvery&gt;0&lt;/w:DisplayHorizontalDrawingGridEvery&gt;
  &lt;w:DisplayVerticalDrawingGridEvery&gt;2&lt;/w:DisplayVerticalDrawingGridEvery&gt;
  &lt;w:ValidateAgainstSchemas/&gt;
  &lt;w:SaveIfXMLInvalid&gt;false&lt;/w:SaveIfXMLInvalid&gt;
  &lt;w:IgnoreMixedContent&gt;false&lt;/w:IgnoreMixedContent&gt;
  &lt;w:AlwaysShowPlaceholderText&gt;false&lt;/w:AlwaysShowPlaceholderText&gt;
  &lt;w:DoNotPromoteQF/&gt;
  &lt;w:LidThemeOther&gt;EN-US&lt;/w:LidThemeOther&gt;
  &lt;w:LidThemeAsian&gt;KO&lt;/w:LidThemeAsian&gt;
  &lt;w:LidThemeComplexScript&gt;X-NONE&lt;/w:LidThemeComplexScript&gt;
  &lt;w:Compatibility&gt;
   &lt;w:SpaceForUL/&gt;
   &lt;w:BalanceSingleByteDoubleByteWidth/&gt;
   &lt;w:DoNotLeaveBackslashAlone/&gt;
   &lt;w:ULTrailSpace/&gt;
   &lt;w:DoNotExpandShiftReturn/&gt;
   &lt;w:AdjustLineHeightInTable/&gt;
   &lt;w:BreakWrappedTables/&gt;
   &lt;w:SnapToGridInCell/&gt;
   &lt;w:WrapTextWithPunct/&gt;
   &lt;w:UseAsianBreakRules/&gt;
   &lt;w:DontGrowAutofit/&gt;
   &lt;w:SplitPgBreakAndParaMark/&gt;
   &lt;w:DontVertAlignCellWithSp/&gt;
   &lt;w:DontBreakConstrainedForcedTables/&gt;
   &lt;w:DontVertAlignInTxbx/&gt;
   &lt;w:Word11KerningPairs/&gt;
   &lt;w:CachedColBalance/&gt;
   &lt;w:UseFELayout/&gt;
  &lt;/w:Compatibility&gt;
  &lt;w:BrowserLevel&gt;MicrosoftInternetExplorer4&lt;/w:BrowserLevel&gt;
  &lt;m:mathPr&gt;
   &lt;m:mathFont m:val=&quot;Cambria Math&quot;/&gt;
   &lt;m:brkBin m:val=&quot;before&quot;/&gt;
   &lt;m:brkBinSub m:val=&quot;&amp;#45;-&quot;/&gt;
   &lt;m:smallFrac m:val=&quot;off&quot;/&gt;
   &lt;m:dispDef/&gt;
   &lt;m:lMargin m:val=&quot;0&quot;/&gt;
   &lt;m:rMargin m:val=&quot;0&quot;/&gt;
   &lt;m:defJc m:val=&quot;centerGroup&quot;/&gt;
   &lt;m:wrapIndent m:val=&quot;1440&quot;/&gt;
   &lt;m:intLim m:val=&quot;subSup&quot;/&gt;
   &lt;m:naryLim m:val=&quot;undOvr&quot;/&gt;
  &lt;/m:mathPr&gt;&lt;/w:WordDocument&gt;
&lt;/xml&gt;&lt;![endif]--&gt;&lt;!--[if gte mso 9]&gt;&lt;xml&gt;
 &lt;w:LatentStyles DefLockedState=&quot;false&quot; DefUnhideWhenUsed=&quot;true&quot;
  DefSemiHidden=&quot;true&quot; DefQFormat=&quot;false&quot; DefPriority=&quot;99&quot;
  LatentStyleCount=&quot;267&quot;&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;0&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Normal&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;heading 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 7&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 8&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 9&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 7&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 8&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 9&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;35&quot; QFormat=&quot;true&quot; Name=&quot;caption&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;10&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Title&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;1&quot; Name=&quot;Default Paragraph Font&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;11&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Subtitle&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;22&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Strong&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;20&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Emphasis&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;59&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Table Grid&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; UnhideWhenUsed=&quot;false&quot; Name=&quot;Placeholder Text&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;1&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;No Spacing&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; UnhideWhenUsed=&quot;false&quot; Name=&quot;Revision&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;34&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;List Paragraph&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;29&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Quote&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;30&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Intense Quote&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;19&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Subtle Emphasis&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;21&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Intense Emphasis&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;31&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Subtle Reference&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;32&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Intense Reference&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;33&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Book Title&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;37&quot; Name=&quot;Bibliography&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; QFormat=&quot;true&quot; Name=&quot;TOC Heading&quot;/&gt;
 &lt;/w:LatentStyles&gt;
&lt;/xml&gt;&lt;![endif]--&gt;&lt;style&gt;
&lt;!--
 /* Font Definitions */
 @font-face
	{font-family:바탕;
	panose-1:2 3 6 0 0 1 1 1 1 1;
	mso-font-alt:Batang;
	mso-font-charset:129;
	mso-generic-font-family:roman;
	mso-font-pitch:variable;
	mso-font-signature:-1342176593 1775729915 48 0 524447 0;}
@font-face
	{font-family:&quot;Cambria Math&quot;;
	panose-1:2 4 5 3 5 4 6 3 2 4;
	mso-font-charset:1;
	mso-generic-font-family:roman;
	mso-font-format:other;
	mso-font-pitch:variable;
	mso-font-signature:0 0 0 0 0 0;}
@font-face
	{font-family:&quot;\@바탕&quot;;
	panose-1:2 3 6 0 0 1 1 1 1 1;
	mso-font-charset:129;
	mso-generic-font-family:roman;
	mso-font-pitch:variable;
	mso-font-signature:-1342176593 1775729915 48 0 524447 0;}
 /* Style Definitions */
 p.MsoNormal, li.MsoNormal, div.MsoNormal
	{mso-style-unhide:no;
	mso-style-qformat:yes;
	mso-style-parent:&quot;&quot;;
	margin:0cm;
	margin-bottom:.0001pt;
	text-align:justify;
	text-justify:inter-ideograph;
	mso-pagination:none;
	text-autospace:none;
	word-break:break-hangul;
	font-size:10.0pt;
	mso-bidi-font-size:12.0pt;
	font-family:&quot;바탕&quot;,&quot;serif&quot;;
	mso-hansi-font-family:&quot;Times New Roman&quot;;
	mso-bidi-font-family:&quot;Times New Roman&quot;;
	mso-font-kerning:1.0pt;}
.MsoChpDefault
	{mso-style-type:export-only;
	mso-default-props:yes;
	mso-bidi-font-size:10.0pt;
	mso-ascii-font-family:&quot;Times New Roman&quot;;
	mso-fareast-font-family:바탕;
	mso-hansi-font-family:&quot;Times New Roman&quot;;
	mso-font-kerning:0pt;}
 /* Page Definitions */
 @page
	{mso-page-border-surround-header:no;
	mso-page-border-surround-footer:no;}
@page Section1
	{size:612.0pt 792.0pt;
	margin:3.0cm 72.0pt 72.0pt 72.0pt;
	mso-header-margin:36.0pt;
	mso-footer-margin:36.0pt;
	mso-paper-source:0;}
div.Section1
	{page:Section1;}
--&gt;
&lt;/style&gt;&lt;!--[if gte mso 10]&gt;
&lt;style&gt;
 /* Style Definitions */
 table.MsoNormalTable
	{mso-style-name:&quot;표준 표&quot;;
	mso-tstyle-rowband-size:0;
	mso-tstyle-colband-size:0;
	mso-style-noshow:yes;
	mso-style-priority:99;
	mso-style-qformat:yes;
	mso-style-parent:&quot;&quot;;
	mso-padding-alt:0cm 5.4pt 0cm 5.4pt;
	mso-para-margin:0cm;
	mso-para-margin-bottom:.0001pt;
	mso-pagination:widow-orphan;
	font-size:10.0pt;
	mso-bidi-font-size:11.0pt;
	font-family:&quot;맑은 고딕&quot;;
	mso-ascii-font-family:&quot;맑은 고딕&quot;;
	mso-ascii-theme-font:minor-latin;
	mso-fareast-font-family:&quot;맑은 고딕&quot;;
	mso-fareast-theme-font:minor-fareast;
	mso-hansi-font-family:&quot;맑은 고딕&quot;;
	mso-hansi-theme-font:minor-latin;
	mso-bidi-font-family:&quot;Times New Roman&quot;;
	mso-bidi-theme-font:minor-bidi;
	mso-font-kerning:1.0pt;}
&lt;/style&gt;
&lt;![endif]--&gt;

&lt;p class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot; align=&quot;center&quot;&gt;&lt;b style=&quot;&quot;&gt;&lt;span style=&quot;font-size: 18pt;&quot; lang=&quot;EN-US&quot;&gt;OmniSolve &lt;/span&gt;&lt;/b&gt;&lt;b style=&quot;&quot;&gt;&lt;span style=&quot;font-size: 18pt;&quot;&gt;간단 사용법 &lt;span lang=&quot;EN-US&quot;&gt;&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/span&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot; align=&quot;center&quot;&gt;&lt;b style=&quot;&quot;&gt;&lt;span style=&quot;font-size: 18pt;&quot; lang=&quot;EN-US&quot;&gt;- 1&lt;/span&gt;&lt;/b&gt;&lt;b style=&quot;&quot;&gt;&lt;span style=&quot;font-size: 18pt;&quot;&gt;편&lt;span lang=&quot;EN-US&quot;&gt;(Time Value of Management&lt;/span&gt;의 활용&lt;span lang=&quot;EN-US&quot;&gt;)&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/span&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span lang=&quot;EN-US&quot;&gt;&lt;o:p&gt;&amp;nbsp;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;b style=&quot;&quot;&gt;&lt;span style=&quot;font-size: 14pt;&quot; lang=&quot;EN-US&quot;&gt;1. &lt;/span&gt;&lt;/b&gt;&lt;b style=&quot;&quot;&gt;&lt;span style=&quot;font-size: 14pt;&quot;&gt;개요&lt;span lang=&quot;EN-US&quot;&gt;&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/span&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;옴니솔브는 조나다&lt;span lang=&quot;EN-US&quot;&gt; 710/720&lt;/span&gt;의 롬에 내장된 기본 프로그램이다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;흔히들&lt;span lang=&quot;EN-US&quot;&gt; HPC &lt;/span&gt;특히 조나다&lt;span lang=&quot;EN-US&quot;&gt; 710&lt;/span&gt;은
내장 어플리케이션의 완성도가 높고 활용도가 커서 포켓피씨와는 달리 새로운 어플리케이션이 부족하다고 한다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;이러한
의미에서 롬에 내장된&lt;span lang=&quot;EN-US&quot;&gt; OmniSolve &lt;/span&gt;또한 상당히 완성도가 높으며&lt;span lang=&quot;EN-US&quot;&gt;,
&lt;/span&gt;금융이나 사업을 하시는 분에겐 간단한 재정 계산이 가능하게끔 한다&lt;span lang=&quot;EN-US&quot;&gt;.&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;이에&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;간단한 사용방법을 통해 옴니솔브가 어떠한 기능을 하는가에 대해서
알아보자&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span lang=&quot;EN-US&quot;&gt;&lt;o:p&gt;&amp;nbsp;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;b style=&quot;&quot;&gt;&lt;span style=&quot;font-size: 14pt;&quot; lang=&quot;EN-US&quot;&gt;2. &lt;/span&gt;&lt;/b&gt;&lt;b style=&quot;&quot;&gt;&lt;span style=&quot;font-size: 14pt;&quot;&gt;기본적인 기능키&lt;span lang=&quot;EN-US&quot;&gt;&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/span&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;가&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;기본적인 형태&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;&lt;div class=&quot;imageblock center&quot; style=&quot;text-align: center; clear: both;&quot;&gt;&lt;a href=&quot;http://cfile2.uf.tistory.com/original/195375484D178C0C0D58D8&quot; rel=&quot;lightbox&quot; target=&quot;_blank&quot;&gt;&lt;img src=&quot;http://cfile2.uf.tistory.com/image/195375484D178C0C0D58D8&quot; alt=&quot;&quot; height=&quot;214&quot; width=&quot;568&quot;/&gt;&lt;/a&gt;&lt;/div&gt;&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;&lt;meta http-equiv=&quot;Content-Type&quot; content=&quot;text/html; charset=utf-8&quot;&gt;&lt;meta name=&quot;ProgId&quot; content=&quot;Word.Document&quot;&gt;&lt;meta name=&quot;Generator&quot; content=&quot;Microsoft Word 12&quot;&gt;&lt;meta name=&quot;Originator&quot; content=&quot;Microsoft Word 12&quot;&gt;&lt;link rel=&quot;File-List&quot; href=&quot;file:///C:%5CDOCUME%7E1%5Cleo%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_filelist.xml&quot;&gt;&lt;link rel=&quot;themeData&quot; href=&quot;file:///C:%5CDOCUME%7E1%5Cleo%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_themedata.thmx&quot;&gt;&lt;link rel=&quot;colorSchemeMapping&quot; href=&quot;file:///C:%5CDOCUME%7E1%5Cleo%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_colorschememapping.xml&quot;&gt;&lt;!--[if gte mso 9]&gt;&lt;xml&gt;
 &lt;w:WordDocument&gt;
  &lt;w:View&gt;Normal&lt;/w:View&gt;
  &lt;w:Zoom&gt;0&lt;/w:Zoom&gt;
  &lt;w:TrackMoves/&gt;
  &lt;w:TrackFormatting/&gt;
  &lt;w:DisplayHorizontalDrawingGridEvery&gt;0&lt;/w:DisplayHorizontalDrawingGridEvery&gt;
  &lt;w:DisplayVerticalDrawingGridEvery&gt;2&lt;/w:DisplayVerticalDrawingGridEvery&gt;
  &lt;w:ValidateAgainstSchemas/&gt;
  &lt;w:SaveIfXMLInvalid&gt;false&lt;/w:SaveIfXMLInvalid&gt;
  &lt;w:IgnoreMixedContent&gt;false&lt;/w:IgnoreMixedContent&gt;
  &lt;w:AlwaysShowPlaceholderText&gt;false&lt;/w:AlwaysShowPlaceholderText&gt;
  &lt;w:DoNotPromoteQF/&gt;
  &lt;w:LidThemeOther&gt;EN-US&lt;/w:LidThemeOther&gt;
  &lt;w:LidThemeAsian&gt;KO&lt;/w:LidThemeAsian&gt;
  &lt;w:LidThemeComplexScript&gt;X-NONE&lt;/w:LidThemeComplexScript&gt;
  &lt;w:Compatibility&gt;
   &lt;w:SpaceForUL/&gt;
   &lt;w:BalanceSingleByteDoubleByteWidth/&gt;
   &lt;w:DoNotLeaveBackslashAlone/&gt;
   &lt;w:ULTrailSpace/&gt;
   &lt;w:DoNotExpandShiftReturn/&gt;
   &lt;w:AdjustLineHeightInTable/&gt;
   &lt;w:BreakWrappedTables/&gt;
   &lt;w:SnapToGridInCell/&gt;
   &lt;w:WrapTextWithPunct/&gt;
   &lt;w:UseAsianBreakRules/&gt;
   &lt;w:DontGrowAutofit/&gt;
   &lt;w:SplitPgBreakAndParaMark/&gt;
   &lt;w:DontVertAlignCellWithSp/&gt;
   &lt;w:DontBreakConstrainedForcedTables/&gt;
   &lt;w:DontVertAlignInTxbx/&gt;
   &lt;w:Word11KerningPairs/&gt;
   &lt;w:CachedColBalance/&gt;
   &lt;w:UseFELayout/&gt;
  &lt;/w:Compatibility&gt;
  &lt;w:BrowserLevel&gt;MicrosoftInternetExplorer4&lt;/w:BrowserLevel&gt;
  &lt;m:mathPr&gt;
   &lt;m:mathFont m:val=&quot;Cambria Math&quot;/&gt;
   &lt;m:brkBin m:val=&quot;before&quot;/&gt;
   &lt;m:brkBinSub m:val=&quot;&amp;#45;-&quot;/&gt;
   &lt;m:smallFrac m:val=&quot;off&quot;/&gt;
   &lt;m:dispDef/&gt;
   &lt;m:lMargin m:val=&quot;0&quot;/&gt;
   &lt;m:rMargin m:val=&quot;0&quot;/&gt;
   &lt;m:defJc m:val=&quot;centerGroup&quot;/&gt;
   &lt;m:wrapIndent m:val=&quot;1440&quot;/&gt;
   &lt;m:intLim m:val=&quot;subSup&quot;/&gt;
   &lt;m:naryLim m:val=&quot;undOvr&quot;/&gt;
  &lt;/m:mathPr&gt;&lt;/w:WordDocument&gt;
&lt;/xml&gt;&lt;![endif]--&gt;&lt;!--[if gte mso 9]&gt;&lt;xml&gt;
 &lt;w:LatentStyles DefLockedState=&quot;false&quot; DefUnhideWhenUsed=&quot;true&quot;
  DefSemiHidden=&quot;true&quot; DefQFormat=&quot;false&quot; DefPriority=&quot;99&quot;
  LatentStyleCount=&quot;267&quot;&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;0&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Normal&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;heading 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 7&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 8&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 9&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 7&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 8&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 9&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;35&quot; QFormat=&quot;true&quot; Name=&quot;caption&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;10&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Title&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;1&quot; Name=&quot;Default Paragraph Font&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;11&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Subtitle&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;22&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Strong&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;20&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Emphasis&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;59&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Table Grid&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; UnhideWhenUsed=&quot;false&quot; Name=&quot;Placeholder Text&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;1&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;No Spacing&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; UnhideWhenUsed=&quot;false&quot; Name=&quot;Revision&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;34&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;List Paragraph&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;29&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Quote&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;30&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Intense Quote&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;19&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Subtle Emphasis&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;21&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Intense Emphasis&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;31&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Subtle Reference&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;32&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Intense Reference&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;33&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Book Title&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;37&quot; Name=&quot;Bibliography&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; QFormat=&quot;true&quot; Name=&quot;TOC Heading&quot;/&gt;
 &lt;/w:LatentStyles&gt;
&lt;/xml&gt;&lt;![endif]--&gt;&lt;style&gt;
&lt;!--
 /* Font Definitions */
 @font-face
	{font-family:바탕;
	panose-1:2 3 6 0 0 1 1 1 1 1;
	mso-font-alt:Batang;
	mso-font-charset:129;
	mso-generic-font-family:roman;
	mso-font-pitch:variable;
	mso-font-signature:-1342176593 1775729915 48 0 524447 0;}
@font-face
	{font-family:&quot;Cambria Math&quot;;
	panose-1:2 4 5 3 5 4 6 3 2 4;
	mso-font-charset:1;
	mso-generic-font-family:roman;
	mso-font-format:other;
	mso-font-pitch:variable;
	mso-font-signature:0 0 0 0 0 0;}
@font-face
	{font-family:&quot;\@바탕&quot;;
	panose-1:2 3 6 0 0 1 1 1 1 1;
	mso-font-charset:129;
	mso-generic-font-family:roman;
	mso-font-pitch:variable;
	mso-font-signature:-1342176593 1775729915 48 0 524447 0;}
 /* Style Definitions */
 p.MsoNormal, li.MsoNormal, div.MsoNormal
	{mso-style-unhide:no;
	mso-style-qformat:yes;
	mso-style-parent:&quot;&quot;;
	margin:0cm;
	margin-bottom:.0001pt;
	text-align:justify;
	text-justify:inter-ideograph;
	mso-pagination:none;
	text-autospace:none;
	word-break:break-hangul;
	font-size:10.0pt;
	mso-bidi-font-size:12.0pt;
	font-family:&quot;바탕&quot;,&quot;serif&quot;;
	mso-hansi-font-family:&quot;Times New Roman&quot;;
	mso-bidi-font-family:&quot;Times New Roman&quot;;
	mso-font-kerning:1.0pt;}
.MsoChpDefault
	{mso-style-type:export-only;
	mso-default-props:yes;
	mso-bidi-font-size:10.0pt;
	mso-ascii-font-family:&quot;Times New Roman&quot;;
	mso-fareast-font-family:바탕;
	mso-hansi-font-family:&quot;Times New Roman&quot;;
	mso-font-kerning:0pt;}
 /* Page Definitions */
 @page
	{mso-page-border-surround-header:no;
	mso-page-border-surround-footer:no;}
@page Section1
	{size:612.0pt 792.0pt;
	margin:3.0cm 72.0pt 72.0pt 72.0pt;
	mso-header-margin:36.0pt;
	mso-footer-margin:36.0pt;
	mso-paper-source:0;}
div.Section1
	{page:Section1;}
--&gt;
&lt;/style&gt;&lt;!--[if gte mso 10]&gt;
&lt;style&gt;
 /* Style Definitions */
 table.MsoNormalTable
	{mso-style-name:&quot;표준 표&quot;;
	mso-tstyle-rowband-size:0;
	mso-tstyle-colband-size:0;
	mso-style-noshow:yes;
	mso-style-priority:99;
	mso-style-qformat:yes;
	mso-style-parent:&quot;&quot;;
	mso-padding-alt:0cm 5.4pt 0cm 5.4pt;
	mso-para-margin:0cm;
	mso-para-margin-bottom:.0001pt;
	mso-pagination:widow-orphan;
	font-size:10.0pt;
	mso-bidi-font-size:11.0pt;
	font-family:&quot;맑은 고딕&quot;;
	mso-ascii-font-family:&quot;맑은 고딕&quot;;
	mso-ascii-theme-font:minor-latin;
	mso-fareast-font-family:&quot;맑은 고딕&quot;;
	mso-fareast-theme-font:minor-fareast;
	mso-hansi-font-family:&quot;맑은 고딕&quot;;
	mso-hansi-theme-font:minor-latin;
	mso-bidi-font-family:&quot;Times New Roman&quot;;
	mso-bidi-theme-font:minor-bidi;
	mso-font-kerning:1.0pt;}
&lt;/style&gt;
&lt;![endif]--&gt;

&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;기본적인 형태는 위와 같으며&lt;span lang=&quot;EN-US&quot;&gt;, OmniSlove&lt;/span&gt;가 가지고 있는 세부기능은&lt;span lang=&quot;EN-US&quot;&gt; Applications&lt;/span&gt;항목의 하위폴드에 모두 위치해 있다&lt;span lang=&quot;EN-US&quot;&gt;.&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span lang=&quot;EN-US&quot;&gt;&lt;o:p&gt;&amp;nbsp;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;나&lt;span lang=&quot;EN-US&quot;&gt;. TAB&lt;/span&gt;키&lt;span lang=&quot;EN-US&quot;&gt; &lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;탭키는 기본적으로 옴니솔브에서 방향키&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;스페이스바와 더블어 가장 중요하고
편리한 기능을 제공한다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;항목간의 이동은 탭키로 가능하며&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;데이터
필드항목간을 탭키의 클릭을 통해 이동이 가능한것이다&lt;span lang=&quot;EN-US&quot;&gt;.&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span lang=&quot;EN-US&quot;&gt;&lt;o:p&gt;&amp;nbsp;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;방향키&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;방향키 또한 탭키와 더불어 필드간 이동 도구가 된다&lt;span lang=&quot;EN-US&quot;&gt;.&lt;/span&gt;&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;&lt;meta http-equiv=&quot;Content-Type&quot; content=&quot;text/html; charset=utf-8&quot;&gt;&lt;meta name=&quot;ProgId&quot; content=&quot;Word.Document&quot;&gt;&lt;meta name=&quot;Generator&quot; content=&quot;Microsoft Word 12&quot;&gt;&lt;meta name=&quot;Originator&quot; content=&quot;Microsoft Word 12&quot;&gt;&lt;link rel=&quot;File-List&quot; href=&quot;file:///C:%5CDOCUME%7E1%5Cleo%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_filelist.xml&quot;&gt;&lt;link rel=&quot;themeData&quot; href=&quot;file:///C:%5CDOCUME%7E1%5Cleo%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_themedata.thmx&quot;&gt;&lt;link rel=&quot;colorSchemeMapping&quot; href=&quot;file:///C:%5CDOCUME%7E1%5Cleo%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_colorschememapping.xml&quot;&gt;&lt;!--[if gte mso 9]&gt;&lt;xml&gt;
 &lt;w:WordDocument&gt;
  &lt;w:View&gt;Normal&lt;/w:View&gt;
  &lt;w:Zoom&gt;0&lt;/w:Zoom&gt;
  &lt;w:TrackMoves/&gt;
  &lt;w:TrackFormatting/&gt;
  &lt;w:DisplayHorizontalDrawingGridEvery&gt;0&lt;/w:DisplayHorizontalDrawingGridEvery&gt;
  &lt;w:DisplayVerticalDrawingGridEvery&gt;2&lt;/w:DisplayVerticalDrawingGridEvery&gt;
  &lt;w:ValidateAgainstSchemas/&gt;
  &lt;w:SaveIfXMLInvalid&gt;false&lt;/w:SaveIfXMLInvalid&gt;
  &lt;w:IgnoreMixedContent&gt;false&lt;/w:IgnoreMixedContent&gt;
  &lt;w:AlwaysShowPlaceholderText&gt;false&lt;/w:AlwaysShowPlaceholderText&gt;
  &lt;w:DoNotPromoteQF/&gt;
  &lt;w:LidThemeOther&gt;EN-US&lt;/w:LidThemeOther&gt;
  &lt;w:LidThemeAsian&gt;KO&lt;/w:LidThemeAsian&gt;
  &lt;w:LidThemeComplexScript&gt;X-NONE&lt;/w:LidThemeComplexScript&gt;
  &lt;w:Compatibility&gt;
   &lt;w:SpaceForUL/&gt;
   &lt;w:BalanceSingleByteDoubleByteWidth/&gt;
   &lt;w:DoNotLeaveBackslashAlone/&gt;
   &lt;w:ULTrailSpace/&gt;
   &lt;w:DoNotExpandShiftReturn/&gt;
   &lt;w:AdjustLineHeightInTable/&gt;
   &lt;w:BreakWrappedTables/&gt;
   &lt;w:SnapToGridInCell/&gt;
   &lt;w:WrapTextWithPunct/&gt;
   &lt;w:UseAsianBreakRules/&gt;
   &lt;w:DontGrowAutofit/&gt;
   &lt;w:SplitPgBreakAndParaMark/&gt;
   &lt;w:DontVertAlignCellWithSp/&gt;
   &lt;w:DontBreakConstrainedForcedTables/&gt;
   &lt;w:DontVertAlignInTxbx/&gt;
   &lt;w:Word11KerningPairs/&gt;
   &lt;w:CachedColBalance/&gt;
   &lt;w:UseFELayout/&gt;
  &lt;/w:Compatibility&gt;
  &lt;w:BrowserLevel&gt;MicrosoftInternetExplorer4&lt;/w:BrowserLevel&gt;
  &lt;m:mathPr&gt;
   &lt;m:mathFont m:val=&quot;Cambria Math&quot;/&gt;
   &lt;m:brkBin m:val=&quot;before&quot;/&gt;
   &lt;m:brkBinSub m:val=&quot;&amp;#45;-&quot;/&gt;
   &lt;m:smallFrac m:val=&quot;off&quot;/&gt;
   &lt;m:dispDef/&gt;
   &lt;m:lMargin m:val=&quot;0&quot;/&gt;
   &lt;m:rMargin m:val=&quot;0&quot;/&gt;
   &lt;m:defJc m:val=&quot;centerGroup&quot;/&gt;
   &lt;m:wrapIndent m:val=&quot;1440&quot;/&gt;
   &lt;m:intLim m:val=&quot;subSup&quot;/&gt;
   &lt;m:naryLim m:val=&quot;undOvr&quot;/&gt;
  &lt;/m:mathPr&gt;&lt;/w:WordDocument&gt;
&lt;/xml&gt;&lt;![endif]--&gt;&lt;!--[if gte mso 9]&gt;&lt;xml&gt;
 &lt;w:LatentStyles DefLockedState=&quot;false&quot; DefUnhideWhenUsed=&quot;true&quot;
  DefSemiHidden=&quot;true&quot; DefQFormat=&quot;false&quot; DefPriority=&quot;99&quot;
  LatentStyleCount=&quot;267&quot;&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;0&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Normal&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;heading 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 7&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 8&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 9&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 7&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 8&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 9&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;35&quot; QFormat=&quot;true&quot; Name=&quot;caption&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;10&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Title&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;1&quot; Name=&quot;Default Paragraph Font&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;11&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Subtitle&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;22&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Strong&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;20&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Emphasis&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;59&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Table Grid&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; UnhideWhenUsed=&quot;false&quot; Name=&quot;Placeholder Text&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;1&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;No Spacing&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; UnhideWhenUsed=&quot;false&quot; Name=&quot;Revision&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;34&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;List Paragraph&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;29&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Quote&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;30&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Intense Quote&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;19&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Subtle Emphasis&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;21&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Intense Emphasis&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;31&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Subtle Reference&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;32&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Intense Reference&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;33&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Book Title&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;37&quot; Name=&quot;Bibliography&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; QFormat=&quot;true&quot; Name=&quot;TOC Heading&quot;/&gt;
 &lt;/w:LatentStyles&gt;
&lt;/xml&gt;&lt;![endif]--&gt;&lt;style&gt;
&lt;!--
 /* Font Definitions */
 @font-face
	{font-family:바탕;
	panose-1:2 3 6 0 0 1 1 1 1 1;
	mso-font-alt:Batang;
	mso-font-charset:129;
	mso-generic-font-family:roman;
	mso-font-pitch:variable;
	mso-font-signature:-1342176593 1775729915 48 0 524447 0;}
@font-face
	{font-family:&quot;Cambria Math&quot;;
	panose-1:2 4 5 3 5 4 6 3 2 4;
	mso-font-charset:1;
	mso-generic-font-family:roman;
	mso-font-format:other;
	mso-font-pitch:variable;
	mso-font-signature:0 0 0 0 0 0;}
@font-face
	{font-family:&quot;\@바탕&quot;;
	panose-1:2 3 6 0 0 1 1 1 1 1;
	mso-font-charset:129;
	mso-generic-font-family:roman;
	mso-font-pitch:variable;
	mso-font-signature:-1342176593 1775729915 48 0 524447 0;}
 /* Style Definitions */
 p.MsoNormal, li.MsoNormal, div.MsoNormal
	{mso-style-unhide:no;
	mso-style-qformat:yes;
	mso-style-parent:&quot;&quot;;
	margin:0cm;
	margin-bottom:.0001pt;
	text-align:justify;
	text-justify:inter-ideograph;
	mso-pagination:none;
	text-autospace:none;
	word-break:break-hangul;
	font-size:10.0pt;
	mso-bidi-font-size:12.0pt;
	font-family:&quot;바탕&quot;,&quot;serif&quot;;
	mso-hansi-font-family:&quot;Times New Roman&quot;;
	mso-bidi-font-family:&quot;Times New Roman&quot;;
	mso-font-kerning:1.0pt;}
.MsoChpDefault
	{mso-style-type:export-only;
	mso-default-props:yes;
	mso-bidi-font-size:10.0pt;
	mso-ascii-font-family:&quot;Times New Roman&quot;;
	mso-fareast-font-family:바탕;
	mso-hansi-font-family:&quot;Times New Roman&quot;;
	mso-font-kerning:0pt;}
 /* Page Definitions */
 @page
	{mso-page-border-surround-header:no;
	mso-page-border-surround-footer:no;}
@page Section1
	{size:612.0pt 792.0pt;
	margin:3.0cm 72.0pt 72.0pt 72.0pt;
	mso-header-margin:36.0pt;
	mso-footer-margin:36.0pt;
	mso-paper-source:0;}
div.Section1
	{page:Section1;}
--&gt;
&lt;/style&gt;&lt;!--[if gte mso 10]&gt;
&lt;style&gt;
 /* Style Definitions */
 table.MsoNormalTable
	{mso-style-name:&quot;표준 표&quot;;
	mso-tstyle-rowband-size:0;
	mso-tstyle-colband-size:0;
	mso-style-noshow:yes;
	mso-style-priority:99;
	mso-style-qformat:yes;
	mso-style-parent:&quot;&quot;;
	mso-padding-alt:0cm 5.4pt 0cm 5.4pt;
	mso-para-margin:0cm;
	mso-para-margin-bottom:.0001pt;
	mso-pagination:widow-orphan;
	font-size:10.0pt;
	mso-bidi-font-size:11.0pt;
	font-family:&quot;맑은 고딕&quot;;
	mso-ascii-font-family:&quot;맑은 고딕&quot;;
	mso-ascii-theme-font:minor-latin;
	mso-fareast-font-family:&quot;맑은 고딕&quot;;
	mso-fareast-theme-font:minor-fareast;
	mso-hansi-font-family:&quot;맑은 고딕&quot;;
	mso-hansi-theme-font:minor-latin;
	mso-bidi-font-family:&quot;Times New Roman&quot;;
	mso-bidi-theme-font:minor-bidi;
	mso-font-kerning:1.0pt;}
&lt;/style&gt;
&lt;![endif]--&gt;

&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;라&lt;span lang=&quot;EN-US&quot;&gt;. Space Bar &lt;/span&gt;와&lt;span lang=&quot;EN-US&quot;&gt;
Enter&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;가장 주용한 기능키로서&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;데이터가 입력되는 필드항목에 값을 넣은후
원하는 계산값을 도출하기 위해 사용되는 키이다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;스페이스바와 엔터키는 일반적으로 동일한 효과를 가진다&lt;span lang=&quot;EN-US&quot;&gt;.&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span lang=&quot;EN-US&quot;&gt;&lt;o:p&gt;&amp;nbsp;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;마&lt;span lang=&quot;EN-US&quot;&gt;. S &lt;/span&gt;키&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;옴니솔브의 특징중의 하나가 금전 즉&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;현재의&lt;span lang=&quot;EN-US&quot;&gt; Money&lt;/span&gt;의 가치를 통해 미래의 현금 흐름을 얼마간 예상해 볼수 있다는 것이다&lt;span lang=&quot;EN-US&quot;&gt;.
&lt;/span&gt;즉&lt;span lang=&quot;EN-US&quot;&gt;, 10&lt;/span&gt;원의 현재가가 미래에 얼마만큼의 가치를 가지느냐&lt;span lang=&quot;EN-US&quot;&gt;,
&lt;/span&gt;혹은 은행에서&lt;span lang=&quot;EN-US&quot;&gt; 100&lt;/span&gt;만원을&lt;span lang=&quot;EN-US&quot;&gt; 3&lt;/span&gt;년동안 연&lt;span lang=&quot;EN-US&quot;&gt; 5%&lt;/span&gt;에 대출받았을 때&lt;span lang=&quot;EN-US&quot;&gt;, 3&lt;/span&gt;년후에 상환해야할 금액과 매달 혹은 매년
원금과 이자액을 산출해 낼수 있는 기능을 제공해준다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;여기에서 중요한 것이 항상 금전 혹은 금액을 대출만
받는 것이 아니라&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;타인에게 혹은 은행에 저금을 할 경우도 생기게 마련이다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;여기에서&lt;span lang=&quot;EN-US&quot;&gt; S&lt;/span&gt;키의 효과가 나타난다&lt;span lang=&quot;EN-US&quot;&gt;.
S&lt;/span&gt;키는 금액의 흐름이&lt;span lang=&quot;EN-US&quot;&gt; +/-&lt;/span&gt;냐를 선택할 수 있다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;즉&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;현금&lt;span lang=&quot;EN-US&quot;&gt;(&lt;/span&gt;쉽게 말해서&lt;span lang=&quot;EN-US&quot;&gt;)&lt;/span&gt;이 나에게로 온다면&lt;span lang=&quot;EN-US&quot;&gt; +&lt;/span&gt;의 값을&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;현금이
나에게서 나간다면 &lt;span style=&quot;font-family: &amp;quot;Times New Roman&amp;quot;,&amp;quot;serif&amp;quot;;&quot; lang=&quot;EN-US&quot;&gt;–&lt;/span&gt;값을 가져야 한다는 것이다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;이러한&lt;span lang=&quot;EN-US&quot;&gt; +/-&lt;/span&gt;간의 변환을 가능하게 하는 키가&lt;span lang=&quot;EN-US&quot;&gt; S&lt;/span&gt;키이다&lt;span lang=&quot;EN-US&quot;&gt;.&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span lang=&quot;EN-US&quot;&gt;&lt;o:p&gt;&amp;nbsp;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;바&lt;span lang=&quot;EN-US&quot;&gt;. N &lt;/span&gt;키&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span lang=&quot;EN-US&quot;&gt;N&lt;/span&gt;키는 쉽게말해서&lt;span lang=&quot;EN-US&quot;&gt; 1&lt;/span&gt;년간
차입금에 대한 상환 횟수를 의미한다고 할 수 있다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;즉&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;내가&lt;span lang=&quot;EN-US&quot;&gt; 1&lt;/span&gt;년을 약정하여 금액을 은행으로부터 빌렸을 때&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;그 상환을 매월 지급한다고
약정하였으면 연간 지불해야 할 횟수는&lt;span lang=&quot;EN-US&quot;&gt; 12&lt;/span&gt;번이되며&lt;span lang=&quot;EN-US&quot;&gt;, 3&lt;/span&gt;년간
약정을 맺었으면&lt;span lang=&quot;EN-US&quot;&gt; 36&lt;/span&gt;번이 되는 것이다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;그러나&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;항상 이렇게 쉬운 계산만 있는 것은 아니다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;만약&lt;span lang=&quot;EN-US&quot;&gt; 15&lt;/span&gt;년간 약정하였다면 일일이 그 지급횟수를&lt;span lang=&quot;EN-US&quot;&gt; 12&lt;/span&gt;로 곱하여 주어야 할까&lt;span lang=&quot;EN-US&quot;&gt;? &lt;/span&gt;아니다&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;옴니솔브에서는 년수인&lt;span lang=&quot;EN-US&quot;&gt;
15&lt;/span&gt;만 입력한후 년간 지급횟수로 선정된&lt;span lang=&quot;EN-US&quot;&gt; 12&lt;/span&gt;를&lt;span lang=&quot;EN-US&quot;&gt; N&lt;/span&gt;키만
클릭함으로서 자동으로 계산해 준다&lt;span lang=&quot;EN-US&quot;&gt;.&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span lang=&quot;EN-US&quot;&gt;&lt;o:p&gt;&amp;nbsp;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;사&lt;span lang=&quot;EN-US&quot;&gt;. T&lt;/span&gt;키&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;옴비솔브는 날짜간의 계산도 가능하다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;뒤에서 보면 알겠지만&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;현재날짜로부터&lt;span lang=&quot;EN-US&quot;&gt; 345&lt;/span&gt;일은 언제인가를 단지 클릭만 함으로서 계산해
낼 수 있는 것이다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;이때 사용할 수 있는 키가&lt;span lang=&quot;EN-US&quot;&gt; T&lt;/span&gt;키이다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;즉&lt;span lang=&quot;EN-US&quot;&gt; Today&lt;/span&gt;란 의미의&lt;span lang=&quot;EN-US&quot;&gt; T&lt;/span&gt;키는
날짜 입력항목에서 항상&lt;span lang=&quot;EN-US&quot;&gt; HPC&lt;/span&gt;에 설정된 오늘이란 값을 불러오게 된다&lt;span lang=&quot;EN-US&quot;&gt;.&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span lang=&quot;EN-US&quot;&gt;&lt;o:p&gt;&amp;nbsp;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;아&lt;span lang=&quot;EN-US&quot;&gt;. D&lt;/span&gt;키&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span lang=&quot;EN-US&quot;&gt;Date&lt;/span&gt;키로서&lt;span lang=&quot;EN-US&quot;&gt; D&lt;/span&gt;키를 클릭하면
날짜를 입력할 수 있는 작은 달력이 화면에 나타난다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span lang=&quot;EN-US&quot;&gt;&lt;o:p&gt;&amp;nbsp;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span lang=&quot;EN-US&quot;&gt;&lt;o:p&gt;&amp;nbsp;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;b style=&quot;&quot;&gt;&lt;span style=&quot;font-size: 14pt;&quot; lang=&quot;EN-US&quot;&gt;3. OmniSolve&lt;/span&gt;&lt;/b&gt;&lt;b style=&quot;&quot;&gt;&lt;span style=&quot;font-size: 14pt;&quot;&gt;의 주요 기능들&lt;/span&gt;&lt;/b&gt;&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;&lt;meta http-equiv=&quot;Content-Type&quot; content=&quot;text/html; charset=utf-8&quot;&gt;&lt;meta name=&quot;ProgId&quot; content=&quot;Word.Document&quot;&gt;&lt;meta name=&quot;Generator&quot; content=&quot;Microsoft Word 12&quot;&gt;&lt;meta name=&quot;Originator&quot; content=&quot;Microsoft Word 12&quot;&gt;&lt;link rel=&quot;File-List&quot; href=&quot;file:///C:%5CDOCUME%7E1%5Cleo%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_filelist.xml&quot;&gt;&lt;link rel=&quot;themeData&quot; href=&quot;file:///C:%5CDOCUME%7E1%5Cleo%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_themedata.thmx&quot;&gt;&lt;link rel=&quot;colorSchemeMapping&quot; href=&quot;file:///C:%5CDOCUME%7E1%5Cleo%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_colorschememapping.xml&quot;&gt;&lt;!--[if gte mso 9]&gt;&lt;xml&gt;
 &lt;w:WordDocument&gt;
  &lt;w:View&gt;Normal&lt;/w:View&gt;
  &lt;w:Zoom&gt;0&lt;/w:Zoom&gt;
  &lt;w:TrackMoves/&gt;
  &lt;w:TrackFormatting/&gt;
  &lt;w:DisplayHorizontalDrawingGridEvery&gt;0&lt;/w:DisplayHorizontalDrawingGridEvery&gt;
  &lt;w:DisplayVerticalDrawingGridEvery&gt;2&lt;/w:DisplayVerticalDrawingGridEvery&gt;
  &lt;w:ValidateAgainstSchemas/&gt;
  &lt;w:SaveIfXMLInvalid&gt;false&lt;/w:SaveIfXMLInvalid&gt;
  &lt;w:IgnoreMixedContent&gt;false&lt;/w:IgnoreMixedContent&gt;
  &lt;w:AlwaysShowPlaceholderText&gt;false&lt;/w:AlwaysShowPlaceholderText&gt;
  &lt;w:DoNotPromoteQF/&gt;
  &lt;w:LidThemeOther&gt;EN-US&lt;/w:LidThemeOther&gt;
  &lt;w:LidThemeAsian&gt;KO&lt;/w:LidThemeAsian&gt;
  &lt;w:LidThemeComplexScript&gt;X-NONE&lt;/w:LidThemeComplexScript&gt;
  &lt;w:Compatibility&gt;
   &lt;w:SpaceForUL/&gt;
   &lt;w:BalanceSingleByteDoubleByteWidth/&gt;
   &lt;w:DoNotLeaveBackslashAlone/&gt;
   &lt;w:ULTrailSpace/&gt;
   &lt;w:DoNotExpandShiftReturn/&gt;
   &lt;w:AdjustLineHeightInTable/&gt;
   &lt;w:BreakWrappedTables/&gt;
   &lt;w:SnapToGridInCell/&gt;
   &lt;w:WrapTextWithPunct/&gt;
   &lt;w:UseAsianBreakRules/&gt;
   &lt;w:DontGrowAutofit/&gt;
   &lt;w:SplitPgBreakAndParaMark/&gt;
   &lt;w:DontVertAlignCellWithSp/&gt;
   &lt;w:DontBreakConstrainedForcedTables/&gt;
   &lt;w:DontVertAlignInTxbx/&gt;
   &lt;w:Word11KerningPairs/&gt;
   &lt;w:CachedColBalance/&gt;
   &lt;w:UseFELayout/&gt;
  &lt;/w:Compatibility&gt;
  &lt;w:BrowserLevel&gt;MicrosoftInternetExplorer4&lt;/w:BrowserLevel&gt;
  &lt;m:mathPr&gt;
   &lt;m:mathFont m:val=&quot;Cambria Math&quot;/&gt;
   &lt;m:brkBin m:val=&quot;before&quot;/&gt;
   &lt;m:brkBinSub m:val=&quot;&amp;#45;-&quot;/&gt;
   &lt;m:smallFrac m:val=&quot;off&quot;/&gt;
   &lt;m:dispDef/&gt;
   &lt;m:lMargin m:val=&quot;0&quot;/&gt;
   &lt;m:rMargin m:val=&quot;0&quot;/&gt;
   &lt;m:defJc m:val=&quot;centerGroup&quot;/&gt;
   &lt;m:wrapIndent m:val=&quot;1440&quot;/&gt;
   &lt;m:intLim m:val=&quot;subSup&quot;/&gt;
   &lt;m:naryLim m:val=&quot;undOvr&quot;/&gt;
  &lt;/m:mathPr&gt;&lt;/w:WordDocument&gt;
&lt;/xml&gt;&lt;![endif]--&gt;&lt;!--[if gte mso 9]&gt;&lt;xml&gt;
 &lt;w:LatentStyles DefLockedState=&quot;false&quot; DefUnhideWhenUsed=&quot;true&quot;
  DefSemiHidden=&quot;true&quot; DefQFormat=&quot;false&quot; DefPriority=&quot;99&quot;
  LatentStyleCount=&quot;267&quot;&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;0&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Normal&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;heading 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 7&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 8&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 9&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 7&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 8&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 9&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;35&quot; QFormat=&quot;true&quot; Name=&quot;caption&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;10&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Title&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;1&quot; Name=&quot;Default Paragraph Font&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;11&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Subtitle&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;22&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Strong&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;20&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Emphasis&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;59&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Table Grid&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; UnhideWhenUsed=&quot;false&quot; Name=&quot;Placeholder Text&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;1&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;No Spacing&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; UnhideWhenUsed=&quot;false&quot; Name=&quot;Revision&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;34&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;List Paragraph&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;29&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Quote&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;30&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Intense Quote&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;19&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Subtle Emphasis&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;21&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Intense Emphasis&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;31&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Subtle Reference&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;32&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Intense Reference&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;33&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Book Title&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;37&quot; Name=&quot;Bibliography&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; QFormat=&quot;true&quot; Name=&quot;TOC Heading&quot;/&gt;
 &lt;/w:LatentStyles&gt;
&lt;/xml&gt;&lt;![endif]--&gt;&lt;style&gt;
&lt;!--
 /* Font Definitions */
 @font-face
	{font-family:바탕;
	panose-1:2 3 6 0 0 1 1 1 1 1;
	mso-font-alt:Batang;
	mso-font-charset:129;
	mso-generic-font-family:roman;
	mso-font-pitch:variable;
	mso-font-signature:-1342176593 1775729915 48 0 524447 0;}
@font-face
	{font-family:굴림;
	panose-1:2 11 6 0 0 1 1 1 1 1;
	mso-font-alt:Gulim;
	mso-font-charset:129;
	mso-generic-font-family:modern;
	mso-font-pitch:variable;
	mso-font-signature:-1342176593 1775729915 48 0 524447 0;}
@font-face
	{font-family:&quot;Cambria Math&quot;;
	panose-1:2 4 5 3 5 4 6 3 2 4;
	mso-font-charset:1;
	mso-generic-font-family:roman;
	mso-font-format:other;
	mso-font-pitch:variable;
	mso-font-signature:0 0 0 0 0 0;}
@font-face
	{font-family:&quot;\@바탕&quot;;
	panose-1:2 3 6 0 0 1 1 1 1 1;
	mso-font-charset:129;
	mso-generic-font-family:roman;
	mso-font-pitch:variable;
	mso-font-signature:-1342176593 1775729915 48 0 524447 0;}
@font-face
	{font-family:&quot;\@굴림&quot;;
	panose-1:2 11 6 0 0 1 1 1 1 1;
	mso-font-charset:129;
	mso-generic-font-family:modern;
	mso-font-pitch:variable;
	mso-font-signature:-1342176593 1775729915 48 0 524447 0;}
 /* Style Definitions */
 p.MsoNormal, li.MsoNormal, div.MsoNormal
	{mso-style-unhide:no;
	mso-style-qformat:yes;
	mso-style-parent:&quot;&quot;;
	margin:0cm;
	margin-bottom:.0001pt;
	text-align:justify;
	text-justify:inter-ideograph;
	mso-pagination:none;
	text-autospace:none;
	word-break:break-hangul;
	font-size:10.0pt;
	mso-bidi-font-size:12.0pt;
	font-family:&quot;바탕&quot;,&quot;serif&quot;;
	mso-hansi-font-family:&quot;Times New Roman&quot;;
	mso-bidi-font-family:&quot;Times New Roman&quot;;
	mso-font-kerning:1.0pt;}
.MsoChpDefault
	{mso-style-type:export-only;
	mso-default-props:yes;
	mso-bidi-font-size:10.0pt;
	mso-ascii-font-family:&quot;Times New Roman&quot;;
	mso-fareast-font-family:바탕;
	mso-hansi-font-family:&quot;Times New Roman&quot;;
	mso-font-kerning:0pt;}
 /* Page Definitions */
 @page
	{mso-page-border-surround-header:no;
	mso-page-border-surround-footer:no;}
@page Section1
	{size:612.0pt 792.0pt;
	margin:3.0cm 72.0pt 72.0pt 72.0pt;
	mso-header-margin:36.0pt;
	mso-footer-margin:36.0pt;
	mso-paper-source:0;}
div.Section1
	{page:Section1;}
 /* List Definitions */
 @list l0
	{mso-list-id:763459948;
	mso-list-type:hybrid;
	mso-list-template-ids:218016432 -1070944052 67698713 67698715 67698703 67698713 67698715 67698703 67698713 67698715;}
@list l0:level1
	{mso-level-number-format:decimal-enclosed-circle;
	mso-level-text:%1;
	mso-level-tab-stop:38.0pt;
	mso-level-number-position:left;
	margin-left:38.0pt;
	text-indent:-18.0pt;
	font-family:굴림;}
ol
	{margin-bottom:0cm;}
ul
	{margin-bottom:0cm;}
--&gt;
&lt;/style&gt;&lt;!--[if gte mso 10]&gt;
&lt;style&gt;
 /* Style Definitions */
 table.MsoNormalTable
	{mso-style-name:&quot;표준 표&quot;;
	mso-tstyle-rowband-size:0;
	mso-tstyle-colband-size:0;
	mso-style-noshow:yes;
	mso-style-priority:99;
	mso-style-qformat:yes;
	mso-style-parent:&quot;&quot;;
	mso-padding-alt:0cm 5.4pt 0cm 5.4pt;
	mso-para-margin:0cm;
	mso-para-margin-bottom:.0001pt;
	mso-pagination:widow-orphan;
	font-size:10.0pt;
	font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;}
&lt;/style&gt;
&lt;![endif]--&gt;

&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;위에서 살펴보았듯이&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;옴니솔브는 전형적인 재정관리 프로그램이라고 할
수 있다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;이러한 프로그램만 볼 때&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;과연 조나다&lt;span lang=&quot;EN-US&quot;&gt;710&lt;/span&gt;이 개인유저들을 위해 생산되었는지&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;아니면 기업의 용도로 만들어
진것인지를 대충 그려볼 수 있을것이다&lt;span lang=&quot;EN-US&quot;&gt;.&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;그러나&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;재정적인 계산은 기업가만 하는 것인가&lt;span lang=&quot;EN-US&quot;&gt;? &lt;/span&gt;개인은 은행에서 대출을 받거나&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;제&lt;span lang=&quot;EN-US&quot;&gt;3&lt;/span&gt;자에게의 투자는 없는 것일까&lt;span lang=&quot;EN-US&quot;&gt;? &lt;/span&gt;모두 아닐것이다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;비록 그 용도가 한정되어 있겠지만&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;개인도 충분히 활용할 수 있는
기회가 있지 않을까&lt;span lang=&quot;EN-US&quot;&gt;?&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span lang=&quot;EN-US&quot;&gt;&lt;o:p&gt;&amp;nbsp;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;가&lt;span lang=&quot;EN-US&quot;&gt;. TVM&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span lang=&quot;EN-US&quot;&gt;tvm&lt;/span&gt;은 바로 원금과 이자의 현금흐름이라고 생각하면 된다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;즉&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;내가 은행에서 대출을 받던지&lt;span lang=&quot;EN-US&quot;&gt;,
&lt;/span&gt;아니면 내가 다른사람에게 돈을 빌려줄 때&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;원금과 이자율의 상관관계를 총체적으로 나타낼
수 있는 기능이다&lt;span lang=&quot;EN-US&quot;&gt;.&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;몇가지 예를 들어보자&lt;span lang=&quot;EN-US&quot;&gt;.(&lt;/span&gt;해당 홈페이지에 있는 예를 한가지 들어보자&lt;span lang=&quot;EN-US&quot;&gt;)&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span lang=&quot;EN-US&quot;&gt;&lt;o:p&gt;&amp;nbsp;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;b style=&quot;&quot;&gt;사례&lt;span lang=&quot;EN-US&quot;&gt;
1.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;b style=&quot;&quot;&gt;&lt;span lang=&quot;EN-US&quot;&gt;[A&lt;/span&gt;라는
사람이&lt;span lang=&quot;EN-US&quot;&gt; B&lt;/span&gt;라는 은행으로부터 원금&lt;span lang=&quot;EN-US&quot;&gt; \100,000,000&lt;/span&gt;을
연&lt;span lang=&quot;EN-US&quot;&gt;12.5%&lt;/span&gt;로&lt;span lang=&quot;EN-US&quot;&gt; 10&lt;/span&gt;년간 대출을 받았다고 가정을 할 때&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;매월 납부해야 하는 금액은 얼마이며&lt;span lang=&quot;EN-US&quot;&gt;, 10&lt;/span&gt;년후 지불해야할 총액은
얼마인가&lt;span lang=&quot;EN-US&quot;&gt;?]&lt;/span&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span lang=&quot;EN-US&quot;&gt;&lt;o:p&gt;&amp;nbsp;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;위와 같은 질문을 받았을 때&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;쉽게 계산을 할 수가 있다&lt;span lang=&quot;EN-US&quot;&gt;.(&lt;/span&gt;물론 현재의 은행에서 대출받는 &lt;span style=&quot;&quot;&gt;방법은
위와같이 단순하지가 않다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;변동금에 따른 원금분할상환&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;일시불상환
등등&lt;span lang=&quot;EN-US&quot;&gt;…)&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span style=&quot;&quot; lang=&quot;EN-US&quot;&gt;&lt;o:p&gt;&amp;nbsp;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;
&lt;meta http-equiv=&quot;Content-Type&quot; content=&quot;text/html; charset=utf-8&quot;&gt;&lt;meta name=&quot;ProgId&quot; content=&quot;Word.Document&quot;&gt;&lt;meta name=&quot;Generator&quot; content=&quot;Microsoft Word 12&quot;&gt;&lt;meta name=&quot;Originator&quot; content=&quot;Microsoft Word 12&quot;&gt;&lt;link rel=&quot;File-List&quot; href=&quot;file:///C:%5CDOCUME%7E1%5Cleo%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_filelist.xml&quot;&gt;&lt;link rel=&quot;themeData&quot; href=&quot;file:///C:%5CDOCUME%7E1%5Cleo%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_themedata.thmx&quot;&gt;&lt;link rel=&quot;colorSchemeMapping&quot; href=&quot;file:///C:%5CDOCUME%7E1%5Cleo%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_colorschememapping.xml&quot;&gt;&lt;!--[if gte mso 9]&gt;&lt;xml&gt;
 &lt;w:WordDocument&gt;
  &lt;w:View&gt;Normal&lt;/w:View&gt;
  &lt;w:Zoom&gt;0&lt;/w:Zoom&gt;
  &lt;w:TrackMoves/&gt;
  &lt;w:TrackFormatting/&gt;
  &lt;w:DisplayHorizontalDrawingGridEvery&gt;0&lt;/w:DisplayHorizontalDrawingGridEvery&gt;
  &lt;w:DisplayVerticalDrawingGridEvery&gt;2&lt;/w:DisplayVerticalDrawingGridEvery&gt;
  &lt;w:ValidateAgainstSchemas/&gt;
  &lt;w:SaveIfXMLInvalid&gt;false&lt;/w:SaveIfXMLInvalid&gt;
  &lt;w:IgnoreMixedContent&gt;false&lt;/w:IgnoreMixedContent&gt;
  &lt;w:AlwaysShowPlaceholderText&gt;false&lt;/w:AlwaysShowPlaceholderText&gt;
  &lt;w:DoNotPromoteQF/&gt;
  &lt;w:LidThemeOther&gt;EN-US&lt;/w:LidThemeOther&gt;
  &lt;w:LidThemeAsian&gt;KO&lt;/w:LidThemeAsian&gt;
  &lt;w:LidThemeComplexScript&gt;X-NONE&lt;/w:LidThemeComplexScript&gt;
  &lt;w:Compatibility&gt;
   &lt;w:SpaceForUL/&gt;
   &lt;w:BalanceSingleByteDoubleByteWidth/&gt;
   &lt;w:DoNotLeaveBackslashAlone/&gt;
   &lt;w:ULTrailSpace/&gt;
   &lt;w:DoNotExpandShiftReturn/&gt;
   &lt;w:AdjustLineHeightInTable/&gt;
   &lt;w:BreakWrappedTables/&gt;
   &lt;w:SnapToGridInCell/&gt;
   &lt;w:WrapTextWithPunct/&gt;
   &lt;w:UseAsianBreakRules/&gt;
   &lt;w:DontGrowAutofit/&gt;
   &lt;w:SplitPgBreakAndParaMark/&gt;
   &lt;w:DontVertAlignCellWithSp/&gt;
   &lt;w:DontBreakConstrainedForcedTables/&gt;
   &lt;w:DontVertAlignInTxbx/&gt;
   &lt;w:Word11KerningPairs/&gt;
   &lt;w:CachedColBalance/&gt;
   &lt;w:UseFELayout/&gt;
  &lt;/w:Compatibility&gt;
  &lt;w:BrowserLevel&gt;MicrosoftInternetExplorer4&lt;/w:BrowserLevel&gt;
  &lt;m:mathPr&gt;
   &lt;m:mathFont m:val=&quot;Cambria Math&quot;/&gt;
   &lt;m:brkBin m:val=&quot;before&quot;/&gt;
   &lt;m:brkBinSub m:val=&quot;&amp;#45;-&quot;/&gt;
   &lt;m:smallFrac m:val=&quot;off&quot;/&gt;
   &lt;m:dispDef/&gt;
   &lt;m:lMargin m:val=&quot;0&quot;/&gt;
   &lt;m:rMargin m:val=&quot;0&quot;/&gt;
   &lt;m:defJc m:val=&quot;centerGroup&quot;/&gt;
   &lt;m:wrapIndent m:val=&quot;1440&quot;/&gt;
   &lt;m:intLim m:val=&quot;subSup&quot;/&gt;
   &lt;m:naryLim m:val=&quot;undOvr&quot;/&gt;
  &lt;/m:mathPr&gt;&lt;/w:WordDocument&gt;
&lt;/xml&gt;&lt;![endif]--&gt;&lt;!--[if gte mso 9]&gt;&lt;xml&gt;
 &lt;w:LatentStyles DefLockedState=&quot;false&quot; DefUnhideWhenUsed=&quot;true&quot;
  DefSemiHidden=&quot;true&quot; DefQFormat=&quot;false&quot; DefPriority=&quot;99&quot;
  LatentStyleCount=&quot;267&quot;&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;0&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Normal&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;heading 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 7&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 8&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 9&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 7&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 8&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 9&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;35&quot; QFormat=&quot;true&quot; Name=&quot;caption&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;10&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Title&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;1&quot; Name=&quot;Default Paragraph Font&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;11&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Subtitle&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;22&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Strong&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;20&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Emphasis&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;59&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Table Grid&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; UnhideWhenUsed=&quot;false&quot; Name=&quot;Placeholder Text&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;1&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;No Spacing&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; UnhideWhenUsed=&quot;false&quot; Name=&quot;Revision&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;34&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;List Paragraph&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;29&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Quote&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;30&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Intense Quote&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;19&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Subtle Emphasis&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;21&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Intense Emphasis&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;31&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Subtle Reference&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;32&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Intense Reference&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;33&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Book Title&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;37&quot; Name=&quot;Bibliography&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; QFormat=&quot;true&quot; Name=&quot;TOC Heading&quot;/&gt;
 &lt;/w:LatentStyles&gt;
&lt;/xml&gt;&lt;![endif]--&gt;&lt;style&gt;
&lt;!--
 /* Font Definitions */
 @font-face
	{font-family:바탕;
	panose-1:2 3 6 0 0 1 1 1 1 1;
	mso-font-alt:Batang;
	mso-font-charset:129;
	mso-generic-font-family:roman;
	mso-font-pitch:variable;
	mso-font-signature:-1342176593 1775729915 48 0 524447 0;}
@font-face
	{font-family:굴림;
	panose-1:2 11 6 0 0 1 1 1 1 1;
	mso-font-alt:Gulim;
	mso-font-charset:129;
	mso-generic-font-family:modern;
	mso-font-pitch:variable;
	mso-font-signature:-1342176593 1775729915 48 0 524447 0;}
@font-face
	{font-family:&quot;Cambria Math&quot;;
	panose-1:2 4 5 3 5 4 6 3 2 4;
	mso-font-charset:1;
	mso-generic-font-family:roman;
	mso-font-format:other;
	mso-font-pitch:variable;
	mso-font-signature:0 0 0 0 0 0;}
@font-face
	{font-family:&quot;\@바탕&quot;;
	panose-1:2 3 6 0 0 1 1 1 1 1;
	mso-font-charset:129;
	mso-generic-font-family:roman;
	mso-font-pitch:variable;
	mso-font-signature:-1342176593 1775729915 48 0 524447 0;}
@font-face
	{font-family:&quot;\@굴림&quot;;
	panose-1:2 11 6 0 0 1 1 1 1 1;
	mso-font-charset:129;
	mso-generic-font-family:modern;
	mso-font-pitch:variable;
	mso-font-signature:-1342176593 1775729915 48 0 524447 0;}
 /* Style Definitions */
 p.MsoNormal, li.MsoNormal, div.MsoNormal
	{mso-style-unhide:no;
	mso-style-qformat:yes;
	mso-style-parent:&quot;&quot;;
	margin:0cm;
	margin-bottom:.0001pt;
	text-align:justify;
	text-justify:inter-ideograph;
	mso-pagination:none;
	text-autospace:none;
	word-break:break-hangul;
	font-size:10.0pt;
	mso-bidi-font-size:12.0pt;
	font-family:&quot;바탕&quot;,&quot;serif&quot;;
	mso-hansi-font-family:&quot;Times New Roman&quot;;
	mso-bidi-font-family:&quot;Times New Roman&quot;;
	mso-font-kerning:1.0pt;}
.MsoChpDefault
	{mso-style-type:export-only;
	mso-default-props:yes;
	mso-bidi-font-size:10.0pt;
	mso-ascii-font-family:&quot;Times New Roman&quot;;
	mso-fareast-font-family:바탕;
	mso-hansi-font-family:&quot;Times New Roman&quot;;
	mso-font-kerning:0pt;}
 /* Page Definitions */
 @page
	{mso-page-border-surround-header:no;
	mso-page-border-surround-footer:no;}
@page Section1
	{size:612.0pt 792.0pt;
	margin:3.0cm 72.0pt 72.0pt 72.0pt;
	mso-header-margin:36.0pt;
	mso-footer-margin:36.0pt;
	mso-paper-source:0;}
div.Section1
	{page:Section1;}
 /* List Definitions */
 @list l0
	{mso-list-id:763459948;
	mso-list-type:hybrid;
	mso-list-template-ids:218016432 -1070944052 67698713 67698715 67698703 67698713 67698715 67698703 67698713 67698715;}
@list l0:level1
	{mso-level-number-format:decimal-enclosed-circle;
	mso-level-text:%1;
	mso-level-tab-stop:38.0pt;
	mso-level-number-position:left;
	margin-left:38.0pt;
	text-indent:-18.0pt;
	font-family:굴림;}
ol
	{margin-bottom:0cm;}
ul
	{margin-bottom:0cm;}
--&gt;
&lt;/style&gt;&lt;!--[if gte mso 10]&gt;
&lt;style&gt;
 /* Style Definitions */
 table.MsoNormalTable
	{mso-style-name:&quot;표준 표&quot;;
	mso-tstyle-rowband-size:0;
	mso-tstyle-colband-size:0;
	mso-style-noshow:yes;
	mso-style-priority:99;
	mso-style-qformat:yes;
	mso-style-parent:&quot;&quot;;
	mso-padding-alt:0cm 5.4pt 0cm 5.4pt;
	mso-para-margin:0cm;
	mso-para-margin-bottom:.0001pt;
	mso-pagination:widow-orphan;
	font-size:10.0pt;
	font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;}
&lt;/style&gt;
&lt;![endif]--&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span style=&quot;&quot;&gt;먼저 가장중요한 것인 바로&lt;span lang=&quot;EN-US&quot;&gt; &lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot; style=&quot;margin-left: 38pt; text-indent: -18pt;&quot;&gt;&lt;!--[if !supportLists]--&gt;&lt;span style=&quot;font-family: 굴림;&quot; lang=&quot;EN-US&quot;&gt;&lt;span style=&quot;&quot;&gt;①&lt;span style=&quot;font-family: &amp;quot;Times New Roman&amp;quot;; font-style: normal; font-variant: normal; font-weight: normal; font-size: 7pt; line-height: normal; font-size-adjust: none; font-stretch: normal;&quot;&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp; &lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;!--[endif]--&gt;&lt;span style=&quot;&quot; lang=&quot;EN-US&quot;&gt;Number of Payment per year(&lt;/span&gt;&lt;span style=&quot;&quot;&gt;년간 지불횟수라고 번역하자&lt;span lang=&quot;EN-US&quot;&gt;)&lt;/span&gt;를 설정하는 것이다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;상환금을 매월 지불하기로 약정을 했는지&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;아니면 매년 지불하기로
했는지에 따라 지급할 상환금액은 틀려지게 되는 것이다&lt;span lang=&quot;EN-US&quot;&gt;.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot; style=&quot;margin-left: 38pt; text-indent: -18pt;&quot;&gt;&lt;!--[if !supportLists]--&gt;&lt;span style=&quot;font-family: 굴림;&quot; lang=&quot;EN-US&quot;&gt;&lt;span style=&quot;&quot;&gt;②&lt;span style=&quot;font-family: &amp;quot;Times New Roman&amp;quot;; font-style: normal; font-variant: normal; font-weight: normal; font-size: 7pt; line-height: normal; font-size-adjust: none; font-stretch: normal;&quot;&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp; &lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;!--[endif]--&gt;&lt;span style=&quot;&quot; lang=&quot;EN-US&quot;&gt;Payment Mode(&lt;/span&gt;&lt;span style=&quot;&quot;&gt;지불방법&lt;span lang=&quot;EN-US&quot;&gt;) &lt;/span&gt;선택이다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;즉&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;상환액의 지급 기준이 월말인지 월초인지를 결정하는 것이다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;그러나&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;대부분의 지급 기준은 월말이니 월말 지급&lt;span lang=&quot;EN-US&quot;&gt;(End of period)&lt;/span&gt;으로 고정시키면 된다&lt;span lang=&quot;EN-US&quot;&gt;.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot; style=&quot;margin-left: 38pt; text-indent: -18pt;&quot;&gt;&lt;!--[if !supportLists]--&gt;&lt;span style=&quot;font-family: 굴림;&quot; lang=&quot;EN-US&quot;&gt;&lt;span style=&quot;&quot;&gt;③&lt;span style=&quot;font-family: &amp;quot;Times New Roman&amp;quot;; font-style: normal; font-variant: normal; font-weight: normal; font-size: 7pt; line-height: normal; font-size-adjust: none; font-stretch: normal;&quot;&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp; &lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;!--[endif]--&gt;&lt;span style=&quot;&quot;&gt;마지막으로 해당 사례별 데이터 값을 해당항목에 입력하기만 하면 된다&lt;span lang=&quot;EN-US&quot;&gt;.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot; style=&quot;margin-left: 38pt; text-indent: -18pt;&quot;&gt;&lt;!--[if !supportLists]--&gt;&lt;span style=&quot;font-family: 굴림;&quot; lang=&quot;EN-US&quot;&gt;&lt;span style=&quot;&quot;&gt;④&lt;span style=&quot;font-family: &amp;quot;Times New Roman&amp;quot;; font-style: normal; font-variant: normal; font-weight: normal; font-size: 7pt; line-height: normal; font-size-adjust: none; font-stretch: normal;&quot;&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp; &lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;!--[endif]--&gt;&lt;span style=&quot;&quot;&gt;우선&lt;span lang=&quot;EN-US&quot;&gt; Number of period&lt;/span&gt;는 총지불기간이다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;즉&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;위 사례에서 대출기간이&lt;span lang=&quot;EN-US&quot;&gt; 10&lt;/span&gt;년이라고
했으니&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;총 기간은&lt;span lang=&quot;EN-US&quot;&gt; 10&lt;/span&gt;이된다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;그러나 이&lt;span lang=&quot;EN-US&quot;&gt; 10&lt;/span&gt;이란 값은 연수를 얘기한것이지 월수를 이야기한 것은
아니다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;그러므로&lt;span lang=&quot;EN-US&quot;&gt;, N&lt;/span&gt;키를 살짝 눌러주면 &lt;/span&gt;&lt;span style=&quot;font-family: 굴림;&quot;&gt;①&lt;/span&gt;&lt;span style=&quot;&quot;&gt;에서 설정한 연간
지불횟수가 총지불기간으로 곱하여져 최종 기간이 도출되게 된다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;즉&lt;span lang=&quot;EN-US&quot;&gt;,
120&lt;/span&gt;이란 값으로 변하게 되는 것이다&lt;span lang=&quot;EN-US&quot;&gt;.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot; style=&quot;margin-left: 38pt; text-indent: -18pt;&quot;&gt;&lt;!--[if !supportLists]--&gt;&lt;span style=&quot;font-family: 굴림;&quot; lang=&quot;EN-US&quot;&gt;&lt;span style=&quot;&quot;&gt;⑤&lt;span style=&quot;font-family: &amp;quot;Times New Roman&amp;quot;; font-style: normal; font-variant: normal; font-weight: normal; font-size: 7pt; line-height: normal; font-size-adjust: none; font-stretch: normal;&quot;&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp; &lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;!--[endif]--&gt;&lt;span style=&quot;&quot; lang=&quot;EN-US&quot;&gt;Annual Interest I%&lt;/span&gt;&lt;span style=&quot;&quot;&gt;는 말그대로 년간 이자율을 의미한다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;위에서
볼 때 연간 이율은&lt;span lang=&quot;EN-US&quot;&gt; 12.5%&lt;/span&gt;이므로 이항목의 값은&lt;span lang=&quot;EN-US&quot;&gt; 12.5&lt;/span&gt;가
되는 것이다&lt;span lang=&quot;EN-US&quot;&gt;.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot; style=&quot;margin-left: 38pt; text-indent: -18pt;&quot;&gt;&lt;!--[if !supportLists]--&gt;&lt;span style=&quot;font-family: 굴림;&quot; lang=&quot;EN-US&quot;&gt;&lt;span style=&quot;&quot;&gt;⑥&lt;span style=&quot;font-family: &amp;quot;Times New Roman&amp;quot;; font-style: normal; font-variant: normal; font-weight: normal; font-size: 7pt; line-height: normal; font-size-adjust: none; font-stretch: normal;&quot;&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp; &lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;!--[endif]--&gt;&lt;span style=&quot;&quot; lang=&quot;EN-US&quot;&gt;Present Value&lt;/span&gt;&lt;span style=&quot;&quot;&gt;는 현재의 가치&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;즉&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;은행에서 대출받은 원금을 의미한다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;은행에서 대출을 받음으로 인해서
나의 주머니로&lt;span lang=&quot;EN-US&quot;&gt; 100,000,000&lt;/span&gt;이란 금액이 들어오므로&lt;span lang=&quot;EN-US&quot;&gt; +&lt;/span&gt;값이
된다&lt;span lang=&quot;EN-US&quot;&gt;.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot; style=&quot;margin-left: 38pt; text-indent: -18pt;&quot;&gt;&lt;!--[if !supportLists]--&gt;&lt;span style=&quot;font-family: 굴림;&quot; lang=&quot;EN-US&quot;&gt;&lt;span style=&quot;&quot;&gt;⑦&lt;span style=&quot;font-family: &amp;quot;Times New Roman&amp;quot;; font-style: normal; font-variant: normal; font-weight: normal; font-size: 7pt; line-height: normal; font-size-adjust: none; font-stretch: normal;&quot;&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp; &lt;/span&gt;&lt;/span&gt;&lt;/span&gt;&lt;!--[endif]--&gt;&lt;span style=&quot;&quot; lang=&quot;EN-US&quot;&gt;Payment(&lt;/span&gt;&lt;span style=&quot;&quot;&gt;지불액&lt;span lang=&quot;EN-US&quot;&gt;) : &lt;/span&gt;우리가 찾고자 하는 해답이다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;즉&lt;span lang=&quot;EN-US&quot;&gt;, \100,000,000&lt;/span&gt;원을 매년&lt;span lang=&quot;EN-US&quot;&gt; 12.5%&lt;/span&gt;의 이율로&lt;span lang=&quot;EN-US&quot;&gt; 10&lt;/span&gt;년간 빌렸을 때&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;매월 지급해야할 금액은 얼마인지를 나타내는 값이다&lt;span lang=&quot;EN-US&quot;&gt;. Tab&lt;/span&gt;키를 해당필드로
옮긴후 스페이스 바나&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;엔터키 혹은 직접 스타일러스 펜으로&lt;span lang=&quot;EN-US&quot;&gt;
Payment&lt;/span&gt;항목을 클릭하여 보자&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;그러면&lt;span lang=&quot;EN-US&quot;&gt;,
-1,463,761&lt;/span&gt;이란 &lt;span lang=&quot;EN-US&quot;&gt;–&lt;/span&gt;의 값을 가진 금액이 도출된다&lt;span lang=&quot;EN-US&quot;&gt;.
&lt;/span&gt;이 값의 뜻은 매월&lt;span lang=&quot;EN-US&quot;&gt; 1,463,176&lt;/span&gt;이란 금액을 상환해야 하다는 것을 의미한다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;돈이 나의 주머니에서 빠져나가는 것이므로 자동으로 &lt;span lang=&quot;EN-US&quot;&gt;–&lt;/span&gt;의 값이 도출되는
것이다&lt;span lang=&quot;EN-US&quot;&gt;.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot; style=&quot;margin-left: 38pt; text-indent: -18pt;&quot;&gt;&lt;br /&gt;
&lt;span style=&quot;&quot;&gt;&lt;span lang=&quot;EN-US&quot;&gt;&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;

&lt;div class=&quot;imageblock center&quot; style=&quot;text-align: center; clear: both;&quot;&gt;&lt;a href=&quot;http://cfile27.uf.tistory.com/original/1136DF504D178C0D078807&quot; rel=&quot;lightbox&quot; target=&quot;_blank&quot;&gt;&lt;img src=&quot;http://cfile27.uf.tistory.com/image/1136DF504D178C0D078807&quot; alt=&quot;&quot; height=&quot;214&quot; width=&quot;567&quot;/&gt;&lt;/a&gt;&lt;/div&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;meta http-equiv=&quot;Content-Type&quot; content=&quot;text/html; charset=utf-8&quot;&gt;&lt;meta name=&quot;ProgId&quot; content=&quot;Word.Document&quot;&gt;&lt;meta name=&quot;Generator&quot; content=&quot;Microsoft Word 12&quot;&gt;&lt;meta name=&quot;Originator&quot; content=&quot;Microsoft Word 12&quot;&gt;&lt;link rel=&quot;File-List&quot; href=&quot;file:///C:%5CDOCUME%7E1%5Cleo%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_filelist.xml&quot;&gt;&lt;link rel=&quot;themeData&quot; href=&quot;file:///C:%5CDOCUME%7E1%5Cleo%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_themedata.thmx&quot;&gt;&lt;link rel=&quot;colorSchemeMapping&quot; href=&quot;file:///C:%5CDOCUME%7E1%5Cleo%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_colorschememapping.xml&quot;&gt;&lt;!--[if gte mso 9]&gt;&lt;xml&gt;
 &lt;w:WordDocument&gt;
  &lt;w:View&gt;Normal&lt;/w:View&gt;
  &lt;w:Zoom&gt;0&lt;/w:Zoom&gt;
  &lt;w:TrackMoves/&gt;
  &lt;w:TrackFormatting/&gt;
  &lt;w:DisplayHorizontalDrawingGridEvery&gt;0&lt;/w:DisplayHorizontalDrawingGridEvery&gt;
  &lt;w:DisplayVerticalDrawingGridEvery&gt;2&lt;/w:DisplayVerticalDrawingGridEvery&gt;
  &lt;w:ValidateAgainstSchemas/&gt;
  &lt;w:SaveIfXMLInvalid&gt;false&lt;/w:SaveIfXMLInvalid&gt;
  &lt;w:IgnoreMixedContent&gt;false&lt;/w:IgnoreMixedContent&gt;
  &lt;w:AlwaysShowPlaceholderText&gt;false&lt;/w:AlwaysShowPlaceholderText&gt;
  &lt;w:DoNotPromoteQF/&gt;
  &lt;w:LidThemeOther&gt;EN-US&lt;/w:LidThemeOther&gt;
  &lt;w:LidThemeAsian&gt;KO&lt;/w:LidThemeAsian&gt;
  &lt;w:LidThemeComplexScript&gt;X-NONE&lt;/w:LidThemeComplexScript&gt;
  &lt;w:Compatibility&gt;
   &lt;w:SpaceForUL/&gt;
   &lt;w:BalanceSingleByteDoubleByteWidth/&gt;
   &lt;w:DoNotLeaveBackslashAlone/&gt;
   &lt;w:ULTrailSpace/&gt;
   &lt;w:DoNotExpandShiftReturn/&gt;
   &lt;w:AdjustLineHeightInTable/&gt;
   &lt;w:BreakWrappedTables/&gt;
   &lt;w:SnapToGridInCell/&gt;
   &lt;w:WrapTextWithPunct/&gt;
   &lt;w:UseAsianBreakRules/&gt;
   &lt;w:DontGrowAutofit/&gt;
   &lt;w:SplitPgBreakAndParaMark/&gt;
   &lt;w:DontVertAlignCellWithSp/&gt;
   &lt;w:DontBreakConstrainedForcedTables/&gt;
   &lt;w:DontVertAlignInTxbx/&gt;
   &lt;w:Word11KerningPairs/&gt;
   &lt;w:CachedColBalance/&gt;
   &lt;w:UseFELayout/&gt;
  &lt;/w:Compatibility&gt;
  &lt;w:BrowserLevel&gt;MicrosoftInternetExplorer4&lt;/w:BrowserLevel&gt;
  &lt;m:mathPr&gt;
   &lt;m:mathFont m:val=&quot;Cambria Math&quot;/&gt;
   &lt;m:brkBin m:val=&quot;before&quot;/&gt;
   &lt;m:brkBinSub m:val=&quot;&amp;#45;-&quot;/&gt;
   &lt;m:smallFrac m:val=&quot;off&quot;/&gt;
   &lt;m:dispDef/&gt;
   &lt;m:lMargin m:val=&quot;0&quot;/&gt;
   &lt;m:rMargin m:val=&quot;0&quot;/&gt;
   &lt;m:defJc m:val=&quot;centerGroup&quot;/&gt;
   &lt;m:wrapIndent m:val=&quot;1440&quot;/&gt;
   &lt;m:intLim m:val=&quot;subSup&quot;/&gt;
   &lt;m:naryLim m:val=&quot;undOvr&quot;/&gt;
  &lt;/m:mathPr&gt;&lt;/w:WordDocument&gt;
&lt;/xml&gt;&lt;![endif]--&gt;&lt;!--[if gte mso 9]&gt;&lt;xml&gt;
 &lt;w:LatentStyles DefLockedState=&quot;false&quot; DefUnhideWhenUsed=&quot;true&quot;
  DefSemiHidden=&quot;true&quot; DefQFormat=&quot;false&quot; DefPriority=&quot;99&quot;
  LatentStyleCount=&quot;267&quot;&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;0&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Normal&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;heading 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 7&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 8&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 9&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 7&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 8&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 9&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;35&quot; QFormat=&quot;true&quot; Name=&quot;caption&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;10&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Title&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;1&quot; Name=&quot;Default Paragraph Font&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;11&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Subtitle&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;22&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Strong&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;20&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Emphasis&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;59&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Table Grid&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; UnhideWhenUsed=&quot;false&quot; Name=&quot;Placeholder Text&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;1&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;No Spacing&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; UnhideWhenUsed=&quot;false&quot; Name=&quot;Revision&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;34&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;List Paragraph&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;29&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Quote&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;30&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Intense Quote&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;19&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Subtle Emphasis&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;21&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Intense Emphasis&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;31&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Subtle Reference&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;32&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Intense Reference&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;33&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Book Title&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;37&quot; Name=&quot;Bibliography&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; QFormat=&quot;true&quot; Name=&quot;TOC Heading&quot;/&gt;
 &lt;/w:LatentStyles&gt;
&lt;/xml&gt;&lt;![endif]--&gt;&lt;style&gt;
&lt;!--
 /* Font Definitions */
 @font-face
	{font-family:바탕;
	panose-1:2 3 6 0 0 1 1 1 1 1;
	mso-font-alt:Batang;
	mso-font-charset:129;
	mso-generic-font-family:roman;
	mso-font-pitch:variable;
	mso-font-signature:-1342176593 1775729915 48 0 524447 0;}
@font-face
	{font-family:&quot;Cambria Math&quot;;
	panose-1:2 4 5 3 5 4 6 3 2 4;
	mso-font-charset:1;
	mso-generic-font-family:roman;
	mso-font-format:other;
	mso-font-pitch:variable;
	mso-font-signature:0 0 0 0 0 0;}
@font-face
	{font-family:&quot;\@바탕&quot;;
	panose-1:2 3 6 0 0 1 1 1 1 1;
	mso-font-charset:129;
	mso-generic-font-family:roman;
	mso-font-pitch:variable;
	mso-font-signature:-1342176593 1775729915 48 0 524447 0;}
 /* Style Definitions */
 p.MsoNormal, li.MsoNormal, div.MsoNormal
	{mso-style-unhide:no;
	mso-style-qformat:yes;
	mso-style-parent:&quot;&quot;;
	margin:0cm;
	margin-bottom:.0001pt;
	text-align:justify;
	text-justify:inter-ideograph;
	mso-pagination:none;
	text-autospace:none;
	word-break:break-hangul;
	font-size:10.0pt;
	mso-bidi-font-size:12.0pt;
	font-family:&quot;바탕&quot;,&quot;serif&quot;;
	mso-hansi-font-family:&quot;Times New Roman&quot;;
	mso-bidi-font-family:&quot;Times New Roman&quot;;
	mso-font-kerning:1.0pt;}
.MsoChpDefault
	{mso-style-type:export-only;
	mso-default-props:yes;
	mso-bidi-font-size:10.0pt;
	mso-ascii-font-family:&quot;Times New Roman&quot;;
	mso-fareast-font-family:바탕;
	mso-hansi-font-family:&quot;Times New Roman&quot;;
	mso-font-kerning:0pt;}
 /* Page Definitions */
 @page
	{mso-page-border-surround-header:no;
	mso-page-border-surround-footer:no;}
@page Section1
	{size:612.0pt 792.0pt;
	margin:3.0cm 72.0pt 72.0pt 72.0pt;
	mso-header-margin:36.0pt;
	mso-footer-margin:36.0pt;
	mso-paper-source:0;}
div.Section1
	{page:Section1;}
--&gt;
&lt;/style&gt;&lt;!--[if gte mso 10]&gt;
&lt;style&gt;
 /* Style Definitions */
 table.MsoNormalTable
	{mso-style-name:&quot;표준 표&quot;;
	mso-tstyle-rowband-size:0;
	mso-tstyle-colband-size:0;
	mso-style-noshow:yes;
	mso-style-priority:99;
	mso-style-qformat:yes;
	mso-style-parent:&quot;&quot;;
	mso-padding-alt:0cm 5.4pt 0cm 5.4pt;
	mso-para-margin:0cm;
	mso-para-margin-bottom:.0001pt;
	mso-pagination:widow-orphan;
	font-size:10.0pt;
	font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;}
&lt;/style&gt;
&lt;![endif]--&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;b style=&quot;&quot;&gt;&lt;span style=&quot;&quot;&gt;사례&lt;span lang=&quot;EN-US&quot;&gt; 2&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/span&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;b style=&quot;&quot;&gt;&lt;span style=&quot;&quot; lang=&quot;EN-US&quot;&gt;[&lt;/span&gt;&lt;/b&gt;&lt;b style=&quot;&quot;&gt;&lt;span style=&quot;&quot;&gt;이제 조금 다른 사례를 찾아보자&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;만약 내가 길을 가다가 정말 멋진 자동차를 발견했다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;꿈에서 그리던
드림카를 발견 해당 매장으로 달려가 자동차의 금액을 판매원에게 문의하였다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;그러자&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;차의 값은&lt;span lang=&quot;EN-US&quot;&gt; \90,000,000&lt;/span&gt;원이며&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;내가 이차를 구매시 매월&lt;span lang=&quot;EN-US&quot;&gt; \2,000,000&lt;/span&gt;원씩&lt;span lang=&quot;EN-US&quot;&gt; 4&lt;/span&gt;년간 지불해야 한다고 한다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;그러면&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;내가 이차를 구입하는데 들어가는 이자율은 얼마인가&lt;span lang=&quot;EN-US&quot;&gt;?]&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/span&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span style=&quot;&quot;&gt;모두들 관심이 있다면 한번쯤 계산을 해보기
바란다&lt;span lang=&quot;EN-US&quot;&gt;.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span style=&quot;&quot; lang=&quot;EN-US&quot;&gt;&lt;o:p&gt;&amp;nbsp;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span style=&quot;&quot;&gt;답&lt;span lang=&quot;EN-US&quot;&gt;) &lt;/span&gt;먼저
일년에 매달 지급함으로 년간 지급회수는&lt;span lang=&quot;EN-US&quot;&gt; 12&lt;/span&gt;번이며&lt;span lang=&quot;EN-US&quot;&gt;(Payments
per year)&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span style=&quot;&quot; lang=&quot;EN-US&quot;&gt;&lt;span style=&quot;&quot;&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp; &lt;/span&gt;&lt;/span&gt;&lt;span style=&quot;&quot;&gt;통산 이자는 매월말기준 지급임으로&lt;span lang=&quot;EN-US&quot;&gt; End of period(Payment mode)&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span style=&quot;&quot; lang=&quot;EN-US&quot;&gt;&lt;span style=&quot;&quot;&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp; &lt;/span&gt;Number of periods&lt;/span&gt;&lt;span style=&quot;&quot;&gt;는&lt;span lang=&quot;EN-US&quot;&gt; 4&lt;/span&gt;년간 지급이므로&lt;span lang=&quot;EN-US&quot;&gt;, 4&lt;/span&gt;를 입력후&lt;span lang=&quot;EN-US&quot;&gt; N&lt;/span&gt;키를 누르면&lt;span lang=&quot;EN-US&quot;&gt; 48&lt;/span&gt;로
바뀐다&lt;span lang=&quot;EN-US&quot;&gt;&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span style=&quot;&quot; lang=&quot;EN-US&quot;&gt;&lt;span style=&quot;&quot;&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp; &lt;/span&gt;Annual Interest I%&lt;/span&gt;&lt;span style=&quot;&quot;&gt;는 우리가 고하고자 하는 년이율이므로 비워두기로 한다&lt;span lang=&quot;EN-US&quot;&gt;.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span style=&quot;&quot; lang=&quot;EN-US&quot;&gt;&lt;span style=&quot;&quot;&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp; &lt;/span&gt;Present value&lt;/span&gt;&lt;span style=&quot;&quot;&gt;는 현재가지 혹은 자산이므로 자동차의 값을 의미한다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;즉 내가 자동차를&lt;span lang=&quot;EN-US&quot;&gt;&lt;span style=&quot;&quot;&gt;&amp;nbsp; &lt;/span&gt;&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span style=&quot;&quot; lang=&quot;EN-US&quot;&gt;&lt;span style=&quot;&quot;&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp; &lt;/span&gt;&lt;/span&gt;&lt;span style=&quot;&quot;&gt;가져오는 것이므로&lt;span lang=&quot;EN-US&quot;&gt; +&lt;/span&gt;값으로&lt;span lang=&quot;EN-US&quot;&gt; 90000000&lt;/span&gt;이 된다&lt;span lang=&quot;EN-US&quot;&gt;.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span style=&quot;&quot; lang=&quot;EN-US&quot;&gt;&lt;span style=&quot;&quot;&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp; &lt;/span&gt;Payment &lt;/span&gt;&lt;span style=&quot;&quot;&gt;는 매월지급하는 금액이다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;자동차 외판원이 매달&lt;span lang=&quot;EN-US&quot;&gt;
2,000,000&lt;/span&gt;만원씩 지급을&lt;span lang=&quot;EN-US&quot;&gt;&lt;span style=&quot;&quot;&gt;&amp;nbsp;&amp;nbsp;
&lt;/span&gt;&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span style=&quot;&quot; lang=&quot;EN-US&quot;&gt;&lt;span style=&quot;&quot;&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp; &lt;/span&gt;&lt;/span&gt;&lt;span style=&quot;&quot;&gt;하라고 했으므로&lt;span lang=&quot;EN-US&quot;&gt;, -&lt;/span&gt;값으로&lt;span lang=&quot;EN-US&quot;&gt; -2000000&lt;/span&gt;원이 된다&lt;span lang=&quot;EN-US&quot;&gt;.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span style=&quot;&quot; lang=&quot;EN-US&quot;&gt;&lt;span style=&quot;&quot;&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp; &lt;/span&gt;Future value&lt;/span&gt;&lt;span style=&quot;&quot;&gt;는 미래에 알고자 하는 가치 즉&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;자산값이다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;우리가
알고자 하는 것은 현&lt;span lang=&quot;EN-US&quot;&gt;&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span style=&quot;&quot; lang=&quot;EN-US&quot;&gt;&lt;span style=&quot;&quot;&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp; &lt;/span&gt;&lt;/span&gt;&lt;span style=&quot;&quot;&gt;재의 이자율이므로&lt;span lang=&quot;EN-US&quot;&gt; 0&lt;/span&gt;값으로 놓아둔다&lt;span lang=&quot;EN-US&quot;&gt;&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span style=&quot;&quot; lang=&quot;EN-US&quot;&gt;&lt;o:p&gt;&amp;nbsp;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span style=&quot;&quot; lang=&quot;EN-US&quot;&gt;&lt;span style=&quot;&quot;&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp; &lt;/span&gt;&lt;/span&gt;&lt;span style=&quot;&quot;&gt;이제 모든 준비가 끝났다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;이제&lt;span lang=&quot;EN-US&quot;&gt; Annual interest
I%&lt;/span&gt;에&lt;span lang=&quot;EN-US&quot;&gt; Tab&lt;/span&gt;키를 이용해 커서를 옮긴후 스페이스바나&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;스타일러스
펜으로 살짝 눌러보자&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;약&lt;span lang=&quot;EN-US&quot;&gt; 3.20%&lt;/span&gt;의 이율만 부담하면 꿈의
카 드림카를 구입할 수 있는 것이다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;어디 이런차 없나요&lt;span lang=&quot;EN-US&quot;&gt; ^^&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;&lt;br /&gt;
&lt;span style=&quot;&quot;&gt;&lt;span lang=&quot;EN-US&quot;&gt;&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;

&lt;div class=&quot;imageblock center&quot; style=&quot;text-align: center; clear: both;&quot;&gt;&lt;a href=&quot;http://cfile24.uf.tistory.com/original/1721D64B4D178C0E0AB0F8&quot; rel=&quot;lightbox&quot; target=&quot;_blank&quot;&gt;&lt;img src=&quot;http://cfile24.uf.tistory.com/image/1721D64B4D178C0E0AB0F8&quot; alt=&quot;&quot; height=&quot;214&quot; width=&quot;568&quot;/&gt;&lt;/a&gt;&lt;/div&gt;&lt;br /&gt;
&lt;br /&gt;
&lt;meta http-equiv=&quot;Content-Type&quot; content=&quot;text/html; charset=utf-8&quot;&gt;&lt;meta name=&quot;ProgId&quot; content=&quot;Word.Document&quot;&gt;&lt;meta name=&quot;Generator&quot; content=&quot;Microsoft Word 12&quot;&gt;&lt;meta name=&quot;Originator&quot; content=&quot;Microsoft Word 12&quot;&gt;&lt;link rel=&quot;File-List&quot; href=&quot;file:///C:%5CDOCUME%7E1%5Cleo%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_filelist.xml&quot;&gt;&lt;link rel=&quot;themeData&quot; href=&quot;file:///C:%5CDOCUME%7E1%5Cleo%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_themedata.thmx&quot;&gt;&lt;link rel=&quot;colorSchemeMapping&quot; href=&quot;file:///C:%5CDOCUME%7E1%5Cleo%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_colorschememapping.xml&quot;&gt;&lt;!--[if gte mso 9]&gt;&lt;xml&gt;
 &lt;w:WordDocument&gt;
  &lt;w:View&gt;Normal&lt;/w:View&gt;
  &lt;w:Zoom&gt;0&lt;/w:Zoom&gt;
  &lt;w:TrackMoves/&gt;
  &lt;w:TrackFormatting/&gt;
  &lt;w:DisplayHorizontalDrawingGridEvery&gt;0&lt;/w:DisplayHorizontalDrawingGridEvery&gt;
  &lt;w:DisplayVerticalDrawingGridEvery&gt;2&lt;/w:DisplayVerticalDrawingGridEvery&gt;
  &lt;w:ValidateAgainstSchemas/&gt;
  &lt;w:SaveIfXMLInvalid&gt;false&lt;/w:SaveIfXMLInvalid&gt;
  &lt;w:IgnoreMixedContent&gt;false&lt;/w:IgnoreMixedContent&gt;
  &lt;w:AlwaysShowPlaceholderText&gt;false&lt;/w:AlwaysShowPlaceholderText&gt;
  &lt;w:DoNotPromoteQF/&gt;
  &lt;w:LidThemeOther&gt;EN-US&lt;/w:LidThemeOther&gt;
  &lt;w:LidThemeAsian&gt;KO&lt;/w:LidThemeAsian&gt;
  &lt;w:LidThemeComplexScript&gt;X-NONE&lt;/w:LidThemeComplexScript&gt;
  &lt;w:Compatibility&gt;
   &lt;w:SpaceForUL/&gt;
   &lt;w:BalanceSingleByteDoubleByteWidth/&gt;
   &lt;w:DoNotLeaveBackslashAlone/&gt;
   &lt;w:ULTrailSpace/&gt;
   &lt;w:DoNotExpandShiftReturn/&gt;
   &lt;w:AdjustLineHeightInTable/&gt;
   &lt;w:BreakWrappedTables/&gt;
   &lt;w:SnapToGridInCell/&gt;
   &lt;w:WrapTextWithPunct/&gt;
   &lt;w:UseAsianBreakRules/&gt;
   &lt;w:DontGrowAutofit/&gt;
   &lt;w:SplitPgBreakAndParaMark/&gt;
   &lt;w:DontVertAlignCellWithSp/&gt;
   &lt;w:DontBreakConstrainedForcedTables/&gt;
   &lt;w:DontVertAlignInTxbx/&gt;
   &lt;w:Word11KerningPairs/&gt;
   &lt;w:CachedColBalance/&gt;
   &lt;w:UseFELayout/&gt;
  &lt;/w:Compatibility&gt;
  &lt;w:BrowserLevel&gt;MicrosoftInternetExplorer4&lt;/w:BrowserLevel&gt;
  &lt;m:mathPr&gt;
   &lt;m:mathFont m:val=&quot;Cambria Math&quot;/&gt;
   &lt;m:brkBin m:val=&quot;before&quot;/&gt;
   &lt;m:brkBinSub m:val=&quot;&amp;#45;-&quot;/&gt;
   &lt;m:smallFrac m:val=&quot;off&quot;/&gt;
   &lt;m:dispDef/&gt;
   &lt;m:lMargin m:val=&quot;0&quot;/&gt;
   &lt;m:rMargin m:val=&quot;0&quot;/&gt;
   &lt;m:defJc m:val=&quot;centerGroup&quot;/&gt;
   &lt;m:wrapIndent m:val=&quot;1440&quot;/&gt;
   &lt;m:intLim m:val=&quot;subSup&quot;/&gt;
   &lt;m:naryLim m:val=&quot;undOvr&quot;/&gt;
  &lt;/m:mathPr&gt;&lt;/w:WordDocument&gt;
&lt;/xml&gt;&lt;![endif]--&gt;&lt;!--[if gte mso 9]&gt;&lt;xml&gt;
 &lt;w:LatentStyles DefLockedState=&quot;false&quot; DefUnhideWhenUsed=&quot;true&quot;
  DefSemiHidden=&quot;true&quot; DefQFormat=&quot;false&quot; DefPriority=&quot;99&quot;
  LatentStyleCount=&quot;267&quot;&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;0&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Normal&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;heading 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 7&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 8&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 9&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 7&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 8&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 9&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;35&quot; QFormat=&quot;true&quot; Name=&quot;caption&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;10&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Title&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;1&quot; Name=&quot;Default Paragraph Font&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;11&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Subtitle&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;22&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Strong&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;20&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Emphasis&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;59&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Table Grid&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; UnhideWhenUsed=&quot;false&quot; Name=&quot;Placeholder Text&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;1&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;No Spacing&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; UnhideWhenUsed=&quot;false&quot; Name=&quot;Revision&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;34&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;List Paragraph&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;29&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Quote&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;30&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Intense Quote&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;19&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Subtle Emphasis&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;21&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Intense Emphasis&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;31&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Subtle Reference&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;32&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Intense Reference&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;33&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Book Title&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;37&quot; Name=&quot;Bibliography&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; QFormat=&quot;true&quot; Name=&quot;TOC Heading&quot;/&gt;
 &lt;/w:LatentStyles&gt;
&lt;/xml&gt;&lt;![endif]--&gt;&lt;style&gt;
&lt;!--
 /* Font Definitions */
 @font-face
	{font-family:바탕;
	panose-1:2 3 6 0 0 1 1 1 1 1;
	mso-font-alt:Batang;
	mso-font-charset:129;
	mso-generic-font-family:roman;
	mso-font-pitch:variable;
	mso-font-signature:-1342176593 1775729915 48 0 524447 0;}
@font-face
	{font-family:&quot;Cambria Math&quot;;
	panose-1:2 4 5 3 5 4 6 3 2 4;
	mso-font-charset:1;
	mso-generic-font-family:roman;
	mso-font-format:other;
	mso-font-pitch:variable;
	mso-font-signature:0 0 0 0 0 0;}
@font-face
	{font-family:&quot;\@바탕&quot;;
	panose-1:2 3 6 0 0 1 1 1 1 1;
	mso-font-charset:129;
	mso-generic-font-family:roman;
	mso-font-pitch:variable;
	mso-font-signature:-1342176593 1775729915 48 0 524447 0;}
 /* Style Definitions */
 p.MsoNormal, li.MsoNormal, div.MsoNormal
	{mso-style-unhide:no;
	mso-style-qformat:yes;
	mso-style-parent:&quot;&quot;;
	margin:0cm;
	margin-bottom:.0001pt;
	text-align:justify;
	text-justify:inter-ideograph;
	mso-pagination:none;
	text-autospace:none;
	word-break:break-hangul;
	font-size:10.0pt;
	mso-bidi-font-size:12.0pt;
	font-family:&quot;바탕&quot;,&quot;serif&quot;;
	mso-hansi-font-family:&quot;Times New Roman&quot;;
	mso-bidi-font-family:&quot;Times New Roman&quot;;
	mso-font-kerning:1.0pt;}
.MsoChpDefault
	{mso-style-type:export-only;
	mso-default-props:yes;
	mso-bidi-font-size:10.0pt;
	mso-ascii-font-family:&quot;Times New Roman&quot;;
	mso-fareast-font-family:바탕;
	mso-hansi-font-family:&quot;Times New Roman&quot;;
	mso-font-kerning:0pt;}
 /* Page Definitions */
 @page
	{mso-page-border-surround-header:no;
	mso-page-border-surround-footer:no;}
@page Section1
	{size:612.0pt 792.0pt;
	margin:3.0cm 72.0pt 72.0pt 72.0pt;
	mso-header-margin:36.0pt;
	mso-footer-margin:36.0pt;
	mso-paper-source:0;}
div.Section1
	{page:Section1;}
--&gt;
&lt;/style&gt;&lt;!--[if gte mso 10]&gt;
&lt;style&gt;
 /* Style Definitions */
 table.MsoNormalTable
	{mso-style-name:&quot;표준 표&quot;;
	mso-tstyle-rowband-size:0;
	mso-tstyle-colband-size:0;
	mso-style-noshow:yes;
	mso-style-priority:99;
	mso-style-qformat:yes;
	mso-style-parent:&quot;&quot;;
	mso-padding-alt:0cm 5.4pt 0cm 5.4pt;
	mso-para-margin:0cm;
	mso-para-margin-bottom:.0001pt;
	mso-pagination:widow-orphan;
	font-size:10.0pt;
	font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;}
&lt;/style&gt;
&lt;![endif]--&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span style=&quot;&quot;&gt;제가 한번 사용해 보기 위해서 만들어본
약식 매뉴얼입니다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;생각을 말로 적다보니 생각보다 양이 많아졌네요&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;죄송합니다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;시간 나는데로 계속 후속타를 올리겠습니다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;오늘은 가장 기본적을
것을 올렸거든요&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;그러면서 가장 중요한 기능입니다&lt;span lang=&quot;EN-US&quot;&gt;. ^^&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span style=&quot;&quot; lang=&quot;EN-US&quot;&gt;&lt;o:p&gt;&amp;nbsp;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span style=&quot;&quot;&gt;다음에는 이자율 변환과 대출금 상환에 대해서
살펴보도록 하죠&lt;span lang=&quot;EN-US&quot;&gt;..&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span style=&quot;&quot; lang=&quot;EN-US&quot;&gt;&lt;o:p&gt;&amp;nbsp;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span style=&quot;&quot; lang=&quot;EN-US&quot;&gt;To be
continued&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;br /&gt;
&lt;b style=&quot;&quot;&gt;&lt;span style=&quot;font-size: 14pt;&quot;&gt;&lt;span lang=&quot;EN-US&quot;&gt;&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/span&gt;&lt;/b&gt;





&lt;/blockquote&gt;&lt;br /&gt;
&lt;blockquote&gt;&lt;meta http-equiv=&quot;Content-Type&quot; content=&quot;text/html; charset=utf-8&quot;&gt;&lt;meta name=&quot;ProgId&quot; content=&quot;Word.Document&quot;&gt;&lt;meta name=&quot;Generator&quot; content=&quot;Microsoft Word 12&quot;&gt;&lt;meta name=&quot;Originator&quot; content=&quot;Microsoft Word 12&quot;&gt;&lt;link rel=&quot;File-List&quot; href=&quot;file:///C:%5CDOCUME%7E1%5Cleo%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_filelist.xml&quot;&gt;&lt;link rel=&quot;themeData&quot; href=&quot;file:///C:%5CDOCUME%7E1%5Cleo%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_themedata.thmx&quot;&gt;&lt;link rel=&quot;colorSchemeMapping&quot; href=&quot;file:///C:%5CDOCUME%7E1%5Cleo%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_colorschememapping.xml&quot;&gt;&lt;!--[if gte mso 9]&gt;&lt;xml&gt;
 &lt;w:WordDocument&gt;
  &lt;w:View&gt;Normal&lt;/w:View&gt;
  &lt;w:Zoom&gt;0&lt;/w:Zoom&gt;
  &lt;w:TrackMoves/&gt;
  &lt;w:TrackFormatting/&gt;
  &lt;w:DisplayHorizontalDrawingGridEvery&gt;0&lt;/w:DisplayHorizontalDrawingGridEvery&gt;
  &lt;w:DisplayVerticalDrawingGridEvery&gt;2&lt;/w:DisplayVerticalDrawingGridEvery&gt;
  &lt;w:ValidateAgainstSchemas/&gt;
  &lt;w:SaveIfXMLInvalid&gt;false&lt;/w:SaveIfXMLInvalid&gt;
  &lt;w:IgnoreMixedContent&gt;false&lt;/w:IgnoreMixedContent&gt;
  &lt;w:AlwaysShowPlaceholderText&gt;false&lt;/w:AlwaysShowPlaceholderText&gt;
  &lt;w:DoNotPromoteQF/&gt;
  &lt;w:LidThemeOther&gt;EN-US&lt;/w:LidThemeOther&gt;
  &lt;w:LidThemeAsian&gt;KO&lt;/w:LidThemeAsian&gt;
  &lt;w:LidThemeComplexScript&gt;X-NONE&lt;/w:LidThemeComplexScript&gt;
  &lt;w:Compatibility&gt;
   &lt;w:SpaceForUL/&gt;
   &lt;w:BalanceSingleByteDoubleByteWidth/&gt;
   &lt;w:DoNotLeaveBackslashAlone/&gt;
   &lt;w:ULTrailSpace/&gt;
   &lt;w:DoNotExpandShiftReturn/&gt;
   &lt;w:AdjustLineHeightInTable/&gt;
   &lt;w:BreakWrappedTables/&gt;
   &lt;w:SnapToGridInCell/&gt;
   &lt;w:WrapTextWithPunct/&gt;
   &lt;w:UseAsianBreakRules/&gt;
   &lt;w:DontGrowAutofit/&gt;
   &lt;w:SplitPgBreakAndParaMark/&gt;
   &lt;w:DontVertAlignCellWithSp/&gt;
   &lt;w:DontBreakConstrainedForcedTables/&gt;
   &lt;w:DontVertAlignInTxbx/&gt;
   &lt;w:Word11KerningPairs/&gt;
   &lt;w:CachedColBalance/&gt;
   &lt;w:UseFELayout/&gt;
  &lt;/w:Compatibility&gt;
  &lt;w:BrowserLevel&gt;MicrosoftInternetExplorer4&lt;/w:BrowserLevel&gt;
  &lt;m:mathPr&gt;
   &lt;m:mathFont m:val=&quot;Cambria Math&quot;/&gt;
   &lt;m:brkBin m:val=&quot;before&quot;/&gt;
   &lt;m:brkBinSub m:val=&quot;&amp;#45;-&quot;/&gt;
   &lt;m:smallFrac m:val=&quot;off&quot;/&gt;
   &lt;m:dispDef/&gt;
   &lt;m:lMargin m:val=&quot;0&quot;/&gt;
   &lt;m:rMargin m:val=&quot;0&quot;/&gt;
   &lt;m:defJc m:val=&quot;centerGroup&quot;/&gt;
   &lt;m:wrapIndent m:val=&quot;1440&quot;/&gt;
   &lt;m:intLim m:val=&quot;subSup&quot;/&gt;
   &lt;m:naryLim m:val=&quot;undOvr&quot;/&gt;
  &lt;/m:mathPr&gt;&lt;/w:WordDocument&gt;
&lt;/xml&gt;&lt;![endif]--&gt;&lt;!--[if gte mso 9]&gt;&lt;xml&gt;
 &lt;w:LatentStyles DefLockedState=&quot;false&quot; DefUnhideWhenUsed=&quot;true&quot;
  DefSemiHidden=&quot;true&quot; DefQFormat=&quot;false&quot; DefPriority=&quot;99&quot;
  LatentStyleCount=&quot;267&quot;&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;0&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Normal&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;heading 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 7&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 8&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 9&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 7&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 8&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 9&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;35&quot; QFormat=&quot;true&quot; Name=&quot;caption&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;10&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Title&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;1&quot; Name=&quot;Default Paragraph Font&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;11&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Subtitle&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;22&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Strong&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;20&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Emphasis&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;59&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Table Grid&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; UnhideWhenUsed=&quot;false&quot; Name=&quot;Placeholder Text&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;1&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;No Spacing&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; UnhideWhenUsed=&quot;false&quot; Name=&quot;Revision&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;34&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;List Paragraph&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;29&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Quote&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;30&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Intense Quote&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;19&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Subtle Emphasis&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;21&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Intense Emphasis&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;31&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Subtle Reference&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;32&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Intense Reference&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;33&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Book Title&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;37&quot; Name=&quot;Bibliography&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; QFormat=&quot;true&quot; Name=&quot;TOC Heading&quot;/&gt;
 &lt;/w:LatentStyles&gt;
&lt;/xml&gt;&lt;![endif]--&gt;&lt;style&gt;
&lt;!--
 /* Font Definitions */
 @font-face
	{font-family:바탕;
	panose-1:2 3 6 0 0 1 1 1 1 1;
	mso-font-alt:Batang;
	mso-font-charset:129;
	mso-generic-font-family:roman;
	mso-font-pitch:variable;
	mso-font-signature:-1342176593 1775729915 48 0 524447 0;}
@font-face
	{font-family:&quot;Cambria Math&quot;;
	panose-1:2 4 5 3 5 4 6 3 2 4;
	mso-font-charset:1;
	mso-generic-font-family:roman;
	mso-font-format:other;
	mso-font-pitch:variable;
	mso-font-signature:0 0 0 0 0 0;}
@font-face
	{font-family:&quot;\@바탕&quot;;
	panose-1:2 3 6 0 0 1 1 1 1 1;
	mso-font-charset:129;
	mso-generic-font-family:roman;
	mso-font-pitch:variable;
	mso-font-signature:-1342176593 1775729915 48 0 524447 0;}
 /* Style Definitions */
 p.MsoNormal, li.MsoNormal, div.MsoNormal
	{mso-style-unhide:no;
	mso-style-qformat:yes;
	mso-style-parent:&quot;&quot;;
	margin:0cm;
	margin-bottom:.0001pt;
	text-align:justify;
	text-justify:inter-ideograph;
	mso-pagination:none;
	text-autospace:none;
	word-break:break-hangul;
	font-size:10.0pt;
	mso-bidi-font-size:12.0pt;
	font-family:&quot;바탕&quot;,&quot;serif&quot;;
	mso-hansi-font-family:&quot;Times New Roman&quot;;
	mso-bidi-font-family:&quot;Times New Roman&quot;;
	mso-font-kerning:1.0pt;}
.MsoChpDefault
	{mso-style-type:export-only;
	mso-default-props:yes;
	mso-bidi-font-size:10.0pt;
	mso-ascii-font-family:&quot;Times New Roman&quot;;
	mso-fareast-font-family:바탕;
	mso-hansi-font-family:&quot;Times New Roman&quot;;
	mso-font-kerning:0pt;}
 /* Page Definitions */
 @page
	{mso-page-border-surround-header:no;
	mso-page-border-surround-footer:no;}
@page Section1
	{size:612.0pt 792.0pt;
	margin:3.0cm 72.0pt 72.0pt 72.0pt;
	mso-header-margin:36.0pt;
	mso-footer-margin:36.0pt;
	mso-paper-source:0;}
div.Section1
	{page:Section1;}
--&gt;
&lt;/style&gt;&lt;!--[if gte mso 10]&gt;
&lt;style&gt;
 /* Style Definitions */
 table.MsoNormalTable
	{mso-style-name:&quot;표준 표&quot;;
	mso-tstyle-rowband-size:0;
	mso-tstyle-colband-size:0;
	mso-style-noshow:yes;
	mso-style-priority:99;
	mso-style-qformat:yes;
	mso-style-parent:&quot;&quot;;
	mso-padding-alt:0cm 5.4pt 0cm 5.4pt;
	mso-para-margin:0cm;
	mso-para-margin-bottom:.0001pt;
	mso-pagination:widow-orphan;
	font-size:10.0pt;
	font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;}
&lt;/style&gt;
&lt;![endif]--&gt;

&lt;p class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot; align=&quot;center&quot;&gt;&lt;b style=&quot;&quot;&gt;&lt;span style=&quot;font-size: 18pt;&quot; lang=&quot;EN-US&quot;&gt;OmniSolve &lt;/span&gt;&lt;/b&gt;&lt;b style=&quot;&quot;&gt;&lt;span style=&quot;font-size: 18pt;&quot;&gt;사용법&lt;span lang=&quot;EN-US&quot;&gt;(2&lt;/span&gt;편 &lt;/span&gt;&lt;/b&gt;&lt;b style=&quot;&quot;&gt;&lt;span style=&quot;font-size: 18pt; font-family: &amp;quot;Times New Roman&amp;quot;,&amp;quot;serif&amp;quot;;&quot; lang=&quot;EN-US&quot;&gt;–&lt;/span&gt;&lt;/b&gt;&lt;b style=&quot;&quot;&gt;&lt;span style=&quot;font-size: 18pt;&quot; lang=&quot;EN-US&quot;&gt; Interest conversion)&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot; align=&quot;center&quot;&gt;&lt;b style=&quot;&quot;&gt;&lt;span style=&quot;font-size: 18pt;&quot;&gt;부제&lt;span lang=&quot;EN-US&quot;&gt; : &lt;/span&gt;이자율 환산&lt;span lang=&quot;EN-US&quot;&gt;&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/span&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span lang=&quot;EN-US&quot;&gt;&lt;o:p&gt;&amp;nbsp;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span lang=&quot;EN-US&quot;&gt;&lt;o:p&gt;&amp;nbsp;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;b style=&quot;&quot;&gt;&lt;span style=&quot;font-size: 14pt;&quot; lang=&quot;EN-US&quot;&gt;1. &lt;/span&gt;&lt;/b&gt;&lt;b style=&quot;&quot;&gt;&lt;span style=&quot;font-size: 14pt;&quot;&gt;개요&lt;span lang=&quot;EN-US&quot;&gt;&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/span&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span lang=&quot;EN-US&quot;&gt;TVM&lt;/span&gt;에서 살펴보았듯이&lt;span lang=&quot;EN-US&quot;&gt;
OmniSolve&lt;/span&gt;는 쉽게 말해서&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;자금의 대출에 따른 이자율 계산과 대출금 상환내역 산출
그리고 투자가능여부의 타진등으로 주요기능을 선별할 수 있다&lt;span lang=&quot;EN-US&quot;&gt;.&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;이번에 살펴볼 기능은 통산 이자율이라는 개념속에는 연간&lt;span lang=&quot;EN-US&quot;&gt;(year) &lt;/span&gt;지불해야할
이자율을 의미하는 것이라고 볼 때&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;과연 이러한 명목상의 연간 이자율이 변화된다면 어떻게 이자금액을
계산해 낼것인가 하는 부분이다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;즉&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;쉽게 말해서 명목상의
연간 이자율을 실질상의 이자율로 환산하여 미래의 자금액을 도출해 내는 것이다&lt;span lang=&quot;EN-US&quot;&gt;.(&lt;/span&gt;너무 어렵게는 생각하지
말자&lt;span lang=&quot;EN-US&quot;&gt;)&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span lang=&quot;EN-US&quot;&gt;&lt;o:p&gt;&amp;nbsp;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;b style=&quot;&quot;&gt;&lt;span style=&quot;font-size: 14pt;&quot; lang=&quot;EN-US&quot;&gt;2. Interest Conversion&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;이제 이자율에 대해서 알아보자&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;이자율은 위에서도 언급했듯이&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;정확한 개념이 아닌 말그대로 대략적인 값이다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;여기서 대략적인 값이란
의미는 일반적으로 자금시장에서 흔히들 사용하는 년간이라는 개념과 결부되어져 일정한 채무에 대해 년간 책임져야할 일정한 이자금액을 나타낸다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;그러나&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;항상 이자율이 연간의미만 있는 것이 아니라&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;매일매일의 이자율이 계산되어 질수도 있고&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;분기별 혹은 반기별 등등
많은 다양한 방법으로 채무자와 채권자간 쌍방계약이 이루어 질 수 있는 것이다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;그래서&lt;span lang=&quot;EN-US&quot;&gt; OmniSolve&lt;/span&gt;는 대략적으로 명목적인 이자율을 실질적인 이자율로 환산해줄수 있는 도구를 제공해주고 있다&lt;span lang=&quot;EN-US&quot;&gt;.&lt;/span&gt;&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span lang=&quot;EN-US&quot;&gt;&lt;div class=&quot;imageblock center&quot; style=&quot;text-align: center; clear: both;&quot;&gt;&lt;a href=&quot;http://cfile9.uf.tistory.com/original/1765B5564D178C0F1E3A72&quot; rel=&quot;lightbox&quot; target=&quot;_blank&quot;&gt;&lt;img src=&quot;http://cfile9.uf.tistory.com/image/1765B5564D178C0F1E3A72&quot; alt=&quot;&quot; height=&quot;213&quot; width=&quot;567&quot;/&gt;&lt;/a&gt;&lt;/div&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;&lt;meta http-equiv=&quot;Content-Type&quot; content=&quot;text/html; charset=utf-8&quot;&gt;&lt;meta name=&quot;ProgId&quot; content=&quot;Word.Document&quot;&gt;&lt;meta name=&quot;Generator&quot; content=&quot;Microsoft Word 12&quot;&gt;&lt;meta name=&quot;Originator&quot; content=&quot;Microsoft Word 12&quot;&gt;&lt;link rel=&quot;File-List&quot; href=&quot;file:///C:%5CDOCUME%7E1%5Cleo%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_filelist.xml&quot;&gt;&lt;link rel=&quot;themeData&quot; href=&quot;file:///C:%5CDOCUME%7E1%5Cleo%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_themedata.thmx&quot;&gt;&lt;link rel=&quot;colorSchemeMapping&quot; href=&quot;file:///C:%5CDOCUME%7E1%5Cleo%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_colorschememapping.xml&quot;&gt;&lt;!--[if gte mso 9]&gt;&lt;xml&gt;
 &lt;w:WordDocument&gt;
  &lt;w:View&gt;Normal&lt;/w:View&gt;
  &lt;w:Zoom&gt;0&lt;/w:Zoom&gt;
  &lt;w:TrackMoves/&gt;
  &lt;w:TrackFormatting/&gt;
  &lt;w:DisplayHorizontalDrawingGridEvery&gt;0&lt;/w:DisplayHorizontalDrawingGridEvery&gt;
  &lt;w:DisplayVerticalDrawingGridEvery&gt;2&lt;/w:DisplayVerticalDrawingGridEvery&gt;
  &lt;w:ValidateAgainstSchemas/&gt;
  &lt;w:SaveIfXMLInvalid&gt;false&lt;/w:SaveIfXMLInvalid&gt;
  &lt;w:IgnoreMixedContent&gt;false&lt;/w:IgnoreMixedContent&gt;
  &lt;w:AlwaysShowPlaceholderText&gt;false&lt;/w:AlwaysShowPlaceholderText&gt;
  &lt;w:DoNotPromoteQF/&gt;
  &lt;w:LidThemeOther&gt;EN-US&lt;/w:LidThemeOther&gt;
  &lt;w:LidThemeAsian&gt;KO&lt;/w:LidThemeAsian&gt;
  &lt;w:LidThemeComplexScript&gt;X-NONE&lt;/w:LidThemeComplexScript&gt;
  &lt;w:Compatibility&gt;
   &lt;w:SpaceForUL/&gt;
   &lt;w:BalanceSingleByteDoubleByteWidth/&gt;
   &lt;w:DoNotLeaveBackslashAlone/&gt;
   &lt;w:ULTrailSpace/&gt;
   &lt;w:DoNotExpandShiftReturn/&gt;
   &lt;w:AdjustLineHeightInTable/&gt;
   &lt;w:BreakWrappedTables/&gt;
   &lt;w:SnapToGridInCell/&gt;
   &lt;w:WrapTextWithPunct/&gt;
   &lt;w:UseAsianBreakRules/&gt;
   &lt;w:DontGrowAutofit/&gt;
   &lt;w:SplitPgBreakAndParaMark/&gt;
   &lt;w:DontVertAlignCellWithSp/&gt;
   &lt;w:DontBreakConstrainedForcedTables/&gt;
   &lt;w:DontVertAlignInTxbx/&gt;
   &lt;w:Word11KerningPairs/&gt;
   &lt;w:CachedColBalance/&gt;
   &lt;w:UseFELayout/&gt;
  &lt;/w:Compatibility&gt;
  &lt;w:BrowserLevel&gt;MicrosoftInternetExplorer4&lt;/w:BrowserLevel&gt;
  &lt;m:mathPr&gt;
   &lt;m:mathFont m:val=&quot;Cambria Math&quot;/&gt;
   &lt;m:brkBin m:val=&quot;before&quot;/&gt;
   &lt;m:brkBinSub m:val=&quot;&amp;#45;-&quot;/&gt;
   &lt;m:smallFrac m:val=&quot;off&quot;/&gt;
   &lt;m:dispDef/&gt;
   &lt;m:lMargin m:val=&quot;0&quot;/&gt;
   &lt;m:rMargin m:val=&quot;0&quot;/&gt;
   &lt;m:defJc m:val=&quot;centerGroup&quot;/&gt;
   &lt;m:wrapIndent m:val=&quot;1440&quot;/&gt;
   &lt;m:intLim m:val=&quot;subSup&quot;/&gt;
   &lt;m:naryLim m:val=&quot;undOvr&quot;/&gt;
  &lt;/m:mathPr&gt;&lt;/w:WordDocument&gt;
&lt;/xml&gt;&lt;![endif]--&gt;&lt;!--[if gte mso 9]&gt;&lt;xml&gt;
 &lt;w:LatentStyles DefLockedState=&quot;false&quot; DefUnhideWhenUsed=&quot;true&quot;
  DefSemiHidden=&quot;true&quot; DefQFormat=&quot;false&quot; DefPriority=&quot;99&quot;
  LatentStyleCount=&quot;267&quot;&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;0&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Normal&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;heading 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 7&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 8&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 9&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 7&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 8&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 9&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;35&quot; QFormat=&quot;true&quot; Name=&quot;caption&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;10&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Title&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;1&quot; Name=&quot;Default Paragraph Font&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;11&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Subtitle&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;22&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Strong&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;20&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Emphasis&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;59&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Table Grid&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; UnhideWhenUsed=&quot;false&quot; Name=&quot;Placeholder Text&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;1&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;No Spacing&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; UnhideWhenUsed=&quot;false&quot; Name=&quot;Revision&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;34&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;List Paragraph&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;29&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Quote&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;30&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Intense Quote&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;19&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Subtle Emphasis&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;21&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Intense Emphasis&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;31&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Subtle Reference&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;32&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Intense Reference&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;33&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Book Title&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;37&quot; Name=&quot;Bibliography&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; QFormat=&quot;true&quot; Name=&quot;TOC Heading&quot;/&gt;
 &lt;/w:LatentStyles&gt;
&lt;/xml&gt;&lt;![endif]--&gt;&lt;style&gt;
&lt;!--
 /* Font Definitions */
 @font-face
	{font-family:바탕;
	panose-1:2 3 6 0 0 1 1 1 1 1;
	mso-font-alt:Batang;
	mso-font-charset:129;
	mso-generic-font-family:roman;
	mso-font-pitch:variable;
	mso-font-signature:-1342176593 1775729915 48 0 524447 0;}
@font-face
	{font-family:&quot;Cambria Math&quot;;
	panose-1:2 4 5 3 5 4 6 3 2 4;
	mso-font-charset:1;
	mso-generic-font-family:roman;
	mso-font-format:other;
	mso-font-pitch:variable;
	mso-font-signature:0 0 0 0 0 0;}
@font-face
	{font-family:&quot;\@바탕&quot;;
	panose-1:2 3 6 0 0 1 1 1 1 1;
	mso-font-charset:129;
	mso-generic-font-family:roman;
	mso-font-pitch:variable;
	mso-font-signature:-1342176593 1775729915 48 0 524447 0;}
 /* Style Definitions */
 p.MsoNormal, li.MsoNormal, div.MsoNormal
	{mso-style-unhide:no;
	mso-style-qformat:yes;
	mso-style-parent:&quot;&quot;;
	margin:0cm;
	margin-bottom:.0001pt;
	text-align:justify;
	text-justify:inter-ideograph;
	mso-pagination:none;
	text-autospace:none;
	word-break:break-hangul;
	font-size:10.0pt;
	mso-bidi-font-size:12.0pt;
	font-family:&quot;바탕&quot;,&quot;serif&quot;;
	mso-hansi-font-family:&quot;Times New Roman&quot;;
	mso-bidi-font-family:&quot;Times New Roman&quot;;
	mso-font-kerning:1.0pt;}
.MsoChpDefault
	{mso-style-type:export-only;
	mso-default-props:yes;
	mso-bidi-font-size:10.0pt;
	mso-ascii-font-family:&quot;Times New Roman&quot;;
	mso-fareast-font-family:바탕;
	mso-hansi-font-family:&quot;Times New Roman&quot;;
	mso-font-kerning:0pt;}
 /* Page Definitions */
 @page
	{mso-page-border-surround-header:no;
	mso-page-border-surround-footer:no;}
@page Section1
	{size:612.0pt 792.0pt;
	margin:3.0cm 72.0pt 72.0pt 72.0pt;
	mso-header-margin:36.0pt;
	mso-footer-margin:36.0pt;
	mso-paper-source:0;}
div.Section1
	{page:Section1;}
--&gt;
&lt;/style&gt;&lt;!--[if gte mso 10]&gt;
&lt;style&gt;
 /* Style Definitions */
 table.MsoNormalTable
	{mso-style-name:&quot;표준 표&quot;;
	mso-tstyle-rowband-size:0;
	mso-tstyle-colband-size:0;
	mso-style-noshow:yes;
	mso-style-priority:99;
	mso-style-qformat:yes;
	mso-style-parent:&quot;&quot;;
	mso-padding-alt:0cm 5.4pt 0cm 5.4pt;
	mso-para-margin:0cm;
	mso-para-margin-bottom:.0001pt;
	mso-pagination:widow-orphan;
	font-size:10.0pt;
	font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;}
&lt;/style&gt;
&lt;![endif]--&gt;

&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot; style=&quot;text-align: center;&quot; align=&quot;center&quot;&gt;&lt;span lang=&quot;EN-US&quot;&gt;[&lt;/span&gt;그림&lt;span lang=&quot;EN-US&quot;&gt; 2-1, TVM &lt;/span&gt;기본화면&lt;span lang=&quot;EN-US&quot;&gt;]&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span lang=&quot;EN-US&quot;&gt;&lt;o:p&gt;&amp;nbsp;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;위&lt;span lang=&quot;EN-US&quot;&gt; [&lt;/span&gt;그림&lt;span lang=&quot;EN-US&quot;&gt;2-1]&lt;/span&gt;에서 보면
전편에서 잠시 가지고 놀던 많이 보던 그림이다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;아마 어느정도 나의 말을 이해한 사람은 위 그림을 보면서
아하&lt;span lang=&quot;EN-US&quot;&gt;~ &lt;/span&gt;라는 말을 되뇌일수도 있다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;바로 상단 메뉴에 나타나있는&lt;span lang=&quot;EN-US&quot;&gt; Iconv&lt;/span&gt;라는 메뉴항목을 보면서 두가지의 기능은 항상 같이 이루어짐을 알 수 있을것이다&lt;span lang=&quot;EN-US&quot;&gt;.&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span lang=&quot;EN-US&quot;&gt;&lt;o:p&gt;&amp;nbsp;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;즉&lt;span lang=&quot;EN-US&quot;&gt;, Iconv&lt;/span&gt;의 명목상의 이자율과 실질상의 이자율일 같다면&lt;span lang=&quot;EN-US&quot;&gt;(&lt;/span&gt;즉&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;흔히들 말하는 연간 이자율과 개개인이 찾고자 하는 이자율이 똑같이
연간 이자율일때는&lt;span lang=&quot;EN-US&quot;&gt;) &lt;/span&gt;궂이 환산의 과정이 필요없으므로&lt;span lang=&quot;EN-US&quot;&gt; Iconv&lt;/span&gt;의
추가기능을 사용함이 없이 단순히&lt;span lang=&quot;EN-US&quot;&gt; TVM&lt;/span&gt;만 사용하면 되는 것이다&lt;span lang=&quot;EN-US&quot;&gt;.&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span lang=&quot;EN-US&quot;&gt;&lt;o:p&gt;&amp;nbsp;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span lang=&quot;EN-US&quot;&gt;&lt;o:p&gt;&amp;nbsp;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;b style=&quot;&quot;&gt;&lt;span style=&quot;font-size: 14pt;&quot; lang=&quot;EN-US&quot;&gt;3. &lt;/span&gt;&lt;/b&gt;&lt;b style=&quot;&quot;&gt;&lt;span style=&quot;font-size: 14pt;&quot;&gt;간단한 사례&lt;span lang=&quot;EN-US&quot;&gt;&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/span&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span lang=&quot;EN-US&quot;&gt;LandWare&lt;/span&gt;사에서 제공된 간단한 사례를 살펴보도록 하자&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span lang=&quot;EN-US&quot;&gt;&lt;o:p&gt;&amp;nbsp;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;b style=&quot;&quot;&gt;&lt;span lang=&quot;EN-US&quot;&gt;[&lt;/span&gt;사례&lt;span lang=&quot;EN-US&quot;&gt;2-1] A&lt;/span&gt;라는 사람이 은행에 년&lt;span lang=&quot;EN-US&quot;&gt;5%&lt;/span&gt;의 이자율로 월&lt;span lang=&quot;EN-US&quot;&gt;45,000&lt;/span&gt;원씩 적금을 부을 때&lt;span lang=&quot;EN-US&quot;&gt;, 8&lt;/span&gt;년후 만기시에 받게되는 총금액은
얼마쯤일까&lt;span lang=&quot;EN-US&quot;&gt;?. &lt;/span&gt;단 상기 이자는&lt;span lang=&quot;EN-US&quot;&gt; 365&lt;/span&gt;일을 기준하여 매일 계산되어
진다&lt;span lang=&quot;EN-US&quot;&gt;.&lt;o:p&gt;&lt;/o:p&gt;&lt;/span&gt;&lt;/b&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span lang=&quot;EN-US&quot;&gt;&lt;o:p&gt;&amp;nbsp;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;자 각자 계산을 한번 해보기 바란다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;만약 위의 이자율 년&lt;span lang=&quot;EN-US&quot;&gt;5%&lt;/span&gt;가 연간 지급되는 실질적인 이자율이라면 궂이 이자율 환산의 과정을 거칠필요가 없다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;그러나&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;년간 일괄적으로 계산되어 지는 실질적 이자율이 아닌&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;매일계산되어 지지만 계산의 편리상 년&lt;span lang=&quot;EN-US&quot;&gt;5%&lt;/span&gt;라고 했을 때는 당연히 실질적인
년이율로 환산을 시켜보아야 한다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;이해가 어려운가&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;다시한번
생각해보기 바란다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;연간 지급되는 이자율이 실질이율인가 명목상&lt;span lang=&quot;EN-US&quot;&gt;(&lt;/span&gt;계산의
편리상&lt;span lang=&quot;EN-US&quot;&gt;) &lt;/span&gt;계산되어진 이율인가를&lt;span lang=&quot;EN-US&quot;&gt;?&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span lang=&quot;EN-US&quot;&gt;&lt;o:p&gt;&amp;nbsp;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;이제 해답을 찾아보자&lt;span lang=&quot;EN-US&quot;&gt;.&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;우선&lt;span lang=&quot;EN-US&quot;&gt; OmniSolve&lt;/span&gt;를 실행시킨후&lt;span lang=&quot;EN-US&quot;&gt;
Ct&lt;/span&gt;기&lt;span lang=&quot;EN-US&quot;&gt; + T&lt;/span&gt;를 클릭하면&lt;span lang=&quot;EN-US&quot;&gt; TVM&lt;/span&gt;화면으로 바뀌게
된다&lt;span lang=&quot;EN-US&quot;&gt;.&lt;/span&gt;&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span lang=&quot;EN-US&quot;&gt;&lt;br /&gt;
&lt;/span&gt;&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span lang=&quot;EN-US&quot;&gt;&lt;div class=&quot;imageblock center&quot; style=&quot;text-align: center; clear: both;&quot;&gt;&lt;a href=&quot;http://cfile9.uf.tistory.com/original/1765B5564D178C0F1E3A72&quot; rel=&quot;lightbox&quot; target=&quot;_blank&quot;&gt;&lt;img src=&quot;http://cfile9.uf.tistory.com/image/1765B5564D178C0F1E3A72&quot; alt=&quot;&quot; height=&quot;213&quot; width=&quot;567&quot;/&gt;&lt;/a&gt;&lt;/div&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span lang=&quot;EN-US&quot;&gt;&lt;br /&gt;
&lt;/span&gt;&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;&lt;meta http-equiv=&quot;Content-Type&quot; content=&quot;text/html; charset=utf-8&quot;&gt;&lt;meta name=&quot;ProgId&quot; content=&quot;Word.Document&quot;&gt;&lt;meta name=&quot;Generator&quot; content=&quot;Microsoft Word 12&quot;&gt;&lt;meta name=&quot;Originator&quot; content=&quot;Microsoft Word 12&quot;&gt;&lt;link rel=&quot;File-List&quot; href=&quot;file:///C:%5CDOCUME%7E1%5Cleo%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_filelist.xml&quot;&gt;&lt;link rel=&quot;themeData&quot; href=&quot;file:///C:%5CDOCUME%7E1%5Cleo%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_themedata.thmx&quot;&gt;&lt;link rel=&quot;colorSchemeMapping&quot; href=&quot;file:///C:%5CDOCUME%7E1%5Cleo%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_colorschememapping.xml&quot;&gt;&lt;!--[if gte mso 9]&gt;&lt;xml&gt;
 &lt;w:WordDocument&gt;
  &lt;w:View&gt;Normal&lt;/w:View&gt;
  &lt;w:Zoom&gt;0&lt;/w:Zoom&gt;
  &lt;w:TrackMoves/&gt;
  &lt;w:TrackFormatting/&gt;
  &lt;w:DisplayHorizontalDrawingGridEvery&gt;0&lt;/w:DisplayHorizontalDrawingGridEvery&gt;
  &lt;w:DisplayVerticalDrawingGridEvery&gt;2&lt;/w:DisplayVerticalDrawingGridEvery&gt;
  &lt;w:ValidateAgainstSchemas/&gt;
  &lt;w:SaveIfXMLInvalid&gt;false&lt;/w:SaveIfXMLInvalid&gt;
  &lt;w:IgnoreMixedContent&gt;false&lt;/w:IgnoreMixedContent&gt;
  &lt;w:AlwaysShowPlaceholderText&gt;false&lt;/w:AlwaysShowPlaceholderText&gt;
  &lt;w:DoNotPromoteQF/&gt;
  &lt;w:LidThemeOther&gt;EN-US&lt;/w:LidThemeOther&gt;
  &lt;w:LidThemeAsian&gt;KO&lt;/w:LidThemeAsian&gt;
  &lt;w:LidThemeComplexScript&gt;X-NONE&lt;/w:LidThemeComplexScript&gt;
  &lt;w:Compatibility&gt;
   &lt;w:SpaceForUL/&gt;
   &lt;w:BalanceSingleByteDoubleByteWidth/&gt;
   &lt;w:DoNotLeaveBackslashAlone/&gt;
   &lt;w:ULTrailSpace/&gt;
   &lt;w:DoNotExpandShiftReturn/&gt;
   &lt;w:AdjustLineHeightInTable/&gt;
   &lt;w:BreakWrappedTables/&gt;
   &lt;w:SnapToGridInCell/&gt;
   &lt;w:WrapTextWithPunct/&gt;
   &lt;w:UseAsianBreakRules/&gt;
   &lt;w:DontGrowAutofit/&gt;
   &lt;w:SplitPgBreakAndParaMark/&gt;
   &lt;w:DontVertAlignCellWithSp/&gt;
   &lt;w:DontBreakConstrainedForcedTables/&gt;
   &lt;w:DontVertAlignInTxbx/&gt;
   &lt;w:Word11KerningPairs/&gt;
   &lt;w:CachedColBalance/&gt;
   &lt;w:UseFELayout/&gt;
  &lt;/w:Compatibility&gt;
  &lt;w:BrowserLevel&gt;MicrosoftInternetExplorer4&lt;/w:BrowserLevel&gt;
  &lt;m:mathPr&gt;
   &lt;m:mathFont m:val=&quot;Cambria Math&quot;/&gt;
   &lt;m:brkBin m:val=&quot;before&quot;/&gt;
   &lt;m:brkBinSub m:val=&quot;&amp;#45;-&quot;/&gt;
   &lt;m:smallFrac m:val=&quot;off&quot;/&gt;
   &lt;m:dispDef/&gt;
   &lt;m:lMargin m:val=&quot;0&quot;/&gt;
   &lt;m:rMargin m:val=&quot;0&quot;/&gt;
   &lt;m:defJc m:val=&quot;centerGroup&quot;/&gt;
   &lt;m:wrapIndent m:val=&quot;1440&quot;/&gt;
   &lt;m:intLim m:val=&quot;subSup&quot;/&gt;
   &lt;m:naryLim m:val=&quot;undOvr&quot;/&gt;
  &lt;/m:mathPr&gt;&lt;/w:WordDocument&gt;
&lt;/xml&gt;&lt;![endif]--&gt;&lt;!--[if gte mso 9]&gt;&lt;xml&gt;
 &lt;w:LatentStyles DefLockedState=&quot;false&quot; DefUnhideWhenUsed=&quot;true&quot;
  DefSemiHidden=&quot;true&quot; DefQFormat=&quot;false&quot; DefPriority=&quot;99&quot;
  LatentStyleCount=&quot;267&quot;&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;0&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Normal&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;heading 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 7&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 8&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 9&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 7&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 8&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 9&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;35&quot; QFormat=&quot;true&quot; Name=&quot;caption&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;10&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Title&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;1&quot; Name=&quot;Default Paragraph Font&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;11&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Subtitle&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;22&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Strong&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;20&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Emphasis&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;59&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Table Grid&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; UnhideWhenUsed=&quot;false&quot; Name=&quot;Placeholder Text&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;1&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;No Spacing&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; UnhideWhenUsed=&quot;false&quot; Name=&quot;Revision&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;34&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;List Paragraph&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;29&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Quote&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;30&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Intense Quote&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;19&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Subtle Emphasis&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;21&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Intense Emphasis&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;31&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Subtle Reference&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;32&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Intense Reference&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;33&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Book Title&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;37&quot; Name=&quot;Bibliography&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; QFormat=&quot;true&quot; Name=&quot;TOC Heading&quot;/&gt;
 &lt;/w:LatentStyles&gt;
&lt;/xml&gt;&lt;![endif]--&gt;&lt;style&gt;
&lt;!--
 /* Font Definitions */
 @font-face
	{font-family:바탕;
	panose-1:2 3 6 0 0 1 1 1 1 1;
	mso-font-alt:Batang;
	mso-font-charset:129;
	mso-generic-font-family:roman;
	mso-font-pitch:variable;
	mso-font-signature:-1342176593 1775729915 48 0 524447 0;}
@font-face
	{font-family:&quot;Cambria Math&quot;;
	panose-1:2 4 5 3 5 4 6 3 2 4;
	mso-font-charset:1;
	mso-generic-font-family:roman;
	mso-font-format:other;
	mso-font-pitch:variable;
	mso-font-signature:0 0 0 0 0 0;}
@font-face
	{font-family:&quot;\@바탕&quot;;
	panose-1:2 3 6 0 0 1 1 1 1 1;
	mso-font-charset:129;
	mso-generic-font-family:roman;
	mso-font-pitch:variable;
	mso-font-signature:-1342176593 1775729915 48 0 524447 0;}
 /* Style Definitions */
 p.MsoNormal, li.MsoNormal, div.MsoNormal
	{mso-style-unhide:no;
	mso-style-qformat:yes;
	mso-style-parent:&quot;&quot;;
	margin:0cm;
	margin-bottom:.0001pt;
	text-align:justify;
	text-justify:inter-ideograph;
	mso-pagination:none;
	text-autospace:none;
	word-break:break-hangul;
	font-size:10.0pt;
	mso-bidi-font-size:12.0pt;
	font-family:&quot;바탕&quot;,&quot;serif&quot;;
	mso-hansi-font-family:&quot;Times New Roman&quot;;
	mso-bidi-font-family:&quot;Times New Roman&quot;;
	mso-font-kerning:1.0pt;}
.MsoChpDefault
	{mso-style-type:export-only;
	mso-default-props:yes;
	mso-bidi-font-size:10.0pt;
	mso-ascii-font-family:&quot;Times New Roman&quot;;
	mso-fareast-font-family:바탕;
	mso-hansi-font-family:&quot;Times New Roman&quot;;
	mso-font-kerning:0pt;}
 /* Page Definitions */
 @page
	{mso-page-border-surround-header:no;
	mso-page-border-surround-footer:no;}
@page Section1
	{size:612.0pt 792.0pt;
	margin:3.0cm 72.0pt 72.0pt 72.0pt;
	mso-header-margin:36.0pt;
	mso-footer-margin:36.0pt;
	mso-paper-source:0;}
div.Section1
	{page:Section1;}
--&gt;
&lt;/style&gt;&lt;!--[if gte mso 10]&gt;
&lt;style&gt;
 /* Style Definitions */
 table.MsoNormalTable
	{mso-style-name:&quot;표준 표&quot;;
	mso-tstyle-rowband-size:0;
	mso-tstyle-colband-size:0;
	mso-style-noshow:yes;
	mso-style-priority:99;
	mso-style-qformat:yes;
	mso-style-parent:&quot;&quot;;
	mso-padding-alt:0cm 5.4pt 0cm 5.4pt;
	mso-para-margin:0cm;
	mso-para-margin-bottom:.0001pt;
	mso-pagination:widow-orphan;
	font-size:10.0pt;
	font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;}
&lt;/style&gt;
&lt;![endif]--&gt;&lt;span style=&quot;font-size: 10pt; font-family: &amp;quot;바탕&amp;quot;,&amp;quot;serif&amp;quot;;&quot;&gt;여기에서 상단 오른쪽의&lt;span lang=&quot;EN-US&quot;&gt; Iconv&lt;/span&gt;를 클릭하여 보자&lt;/span&gt;&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span style=&quot;font-size: 10pt; font-family: &amp;quot;바탕&amp;quot;,&amp;quot;serif&amp;quot;;&quot;&gt;&lt;br /&gt;
&lt;/span&gt;&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span lang=&quot;EN-US&quot;&gt;&lt;div class=&quot;imageblock center&quot; style=&quot;text-align: center; clear: both;&quot;&gt;&lt;a href=&quot;http://cfile27.uf.tistory.com/original/1652F7494D178C0D0C0D04&quot; rel=&quot;lightbox&quot; target=&quot;_blank&quot;&gt;&lt;img src=&quot;http://cfile27.uf.tistory.com/image/1652F7494D178C0D0C0D04&quot; alt=&quot;&quot; height=&quot;212&quot; width=&quot;566&quot;/&gt;&lt;/a&gt;&lt;/div&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;&lt;br /&gt;
&lt;span style=&quot;font-size: 10pt; font-family: &amp;quot;바탕&amp;quot;,&amp;quot;serif&amp;quot;;&quot;&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;&lt;meta http-equiv=&quot;Content-Type&quot; content=&quot;text/html; charset=utf-8&quot;&gt;&lt;meta name=&quot;ProgId&quot; content=&quot;Word.Document&quot;&gt;&lt;meta name=&quot;Generator&quot; content=&quot;Microsoft Word 12&quot;&gt;&lt;meta name=&quot;Originator&quot; content=&quot;Microsoft Word 12&quot;&gt;&lt;link rel=&quot;File-List&quot; href=&quot;file:///C:%5CDOCUME%7E1%5Cleo%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_filelist.xml&quot;&gt;&lt;link rel=&quot;themeData&quot; href=&quot;file:///C:%5CDOCUME%7E1%5Cleo%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_themedata.thmx&quot;&gt;&lt;link rel=&quot;colorSchemeMapping&quot; href=&quot;file:///C:%5CDOCUME%7E1%5Cleo%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_colorschememapping.xml&quot;&gt;&lt;!--[if gte mso 9]&gt;&lt;xml&gt;
 &lt;w:WordDocument&gt;
  &lt;w:View&gt;Normal&lt;/w:View&gt;
  &lt;w:Zoom&gt;0&lt;/w:Zoom&gt;
  &lt;w:TrackMoves/&gt;
  &lt;w:TrackFormatting/&gt;
  &lt;w:DisplayHorizontalDrawingGridEvery&gt;0&lt;/w:DisplayHorizontalDrawingGridEvery&gt;
  &lt;w:DisplayVerticalDrawingGridEvery&gt;2&lt;/w:DisplayVerticalDrawingGridEvery&gt;
  &lt;w:ValidateAgainstSchemas/&gt;
  &lt;w:SaveIfXMLInvalid&gt;false&lt;/w:SaveIfXMLInvalid&gt;
  &lt;w:IgnoreMixedContent&gt;false&lt;/w:IgnoreMixedContent&gt;
  &lt;w:AlwaysShowPlaceholderText&gt;false&lt;/w:AlwaysShowPlaceholderText&gt;
  &lt;w:DoNotPromoteQF/&gt;
  &lt;w:LidThemeOther&gt;EN-US&lt;/w:LidThemeOther&gt;
  &lt;w:LidThemeAsian&gt;KO&lt;/w:LidThemeAsian&gt;
  &lt;w:LidThemeComplexScript&gt;X-NONE&lt;/w:LidThemeComplexScript&gt;
  &lt;w:Compatibility&gt;
   &lt;w:SpaceForUL/&gt;
   &lt;w:BalanceSingleByteDoubleByteWidth/&gt;
   &lt;w:DoNotLeaveBackslashAlone/&gt;
   &lt;w:ULTrailSpace/&gt;
   &lt;w:DoNotExpandShiftReturn/&gt;
   &lt;w:AdjustLineHeightInTable/&gt;
   &lt;w:BreakWrappedTables/&gt;
   &lt;w:SnapToGridInCell/&gt;
   &lt;w:WrapTextWithPunct/&gt;
   &lt;w:UseAsianBreakRules/&gt;
   &lt;w:DontGrowAutofit/&gt;
   &lt;w:SplitPgBreakAndParaMark/&gt;
   &lt;w:DontVertAlignCellWithSp/&gt;
   &lt;w:DontBreakConstrainedForcedTables/&gt;
   &lt;w:DontVertAlignInTxbx/&gt;
   &lt;w:Word11KerningPairs/&gt;
   &lt;w:CachedColBalance/&gt;
   &lt;w:UseFELayout/&gt;
  &lt;/w:Compatibility&gt;
  &lt;w:BrowserLevel&gt;MicrosoftInternetExplorer4&lt;/w:BrowserLevel&gt;
  &lt;m:mathPr&gt;
   &lt;m:mathFont m:val=&quot;Cambria Math&quot;/&gt;
   &lt;m:brkBin m:val=&quot;before&quot;/&gt;
   &lt;m:brkBinSub m:val=&quot;&amp;#45;-&quot;/&gt;
   &lt;m:smallFrac m:val=&quot;off&quot;/&gt;
   &lt;m:dispDef/&gt;
   &lt;m:lMargin m:val=&quot;0&quot;/&gt;
   &lt;m:rMargin m:val=&quot;0&quot;/&gt;
   &lt;m:defJc m:val=&quot;centerGroup&quot;/&gt;
   &lt;m:wrapIndent m:val=&quot;1440&quot;/&gt;
   &lt;m:intLim m:val=&quot;subSup&quot;/&gt;
   &lt;m:naryLim m:val=&quot;undOvr&quot;/&gt;
  &lt;/m:mathPr&gt;&lt;/w:WordDocument&gt;
&lt;/xml&gt;&lt;![endif]--&gt;&lt;!--[if gte mso 9]&gt;&lt;xml&gt;
 &lt;w:LatentStyles DefLockedState=&quot;false&quot; DefUnhideWhenUsed=&quot;true&quot;
  DefSemiHidden=&quot;true&quot; DefQFormat=&quot;false&quot; DefPriority=&quot;99&quot;
  LatentStyleCount=&quot;267&quot;&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;0&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Normal&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;heading 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 7&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 8&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 9&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 7&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 8&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 9&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;35&quot; QFormat=&quot;true&quot; Name=&quot;caption&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;10&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Title&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;1&quot; Name=&quot;Default Paragraph Font&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;11&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Subtitle&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;22&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Strong&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;20&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Emphasis&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;59&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Table Grid&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; UnhideWhenUsed=&quot;false&quot; Name=&quot;Placeholder Text&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;1&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;No Spacing&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; UnhideWhenUsed=&quot;false&quot; Name=&quot;Revision&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;34&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;List Paragraph&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;29&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Quote&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;30&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Intense Quote&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;19&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Subtle Emphasis&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;21&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Intense Emphasis&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;31&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Subtle Reference&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;32&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Intense Reference&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;33&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Book Title&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;37&quot; Name=&quot;Bibliography&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; QFormat=&quot;true&quot; Name=&quot;TOC Heading&quot;/&gt;
 &lt;/w:LatentStyles&gt;
&lt;/xml&gt;&lt;![endif]--&gt;&lt;style&gt;
&lt;!--
 /* Font Definitions */
 @font-face
	{font-family:바탕;
	panose-1:2 3 6 0 0 1 1 1 1 1;
	mso-font-alt:Batang;
	mso-font-charset:129;
	mso-generic-font-family:roman;
	mso-font-pitch:variable;
	mso-font-signature:-1342176593 1775729915 48 0 524447 0;}
@font-face
	{font-family:굴림;
	panose-1:2 11 6 0 0 1 1 1 1 1;
	mso-font-alt:Gulim;
	mso-font-charset:129;
	mso-generic-font-family:modern;
	mso-font-pitch:variable;
	mso-font-signature:-1342176593 1775729915 48 0 524447 0;}
@font-face
	{font-family:&quot;Cambria Math&quot;;
	panose-1:2 4 5 3 5 4 6 3 2 4;
	mso-font-charset:1;
	mso-generic-font-family:roman;
	mso-font-format:other;
	mso-font-pitch:variable;
	mso-font-signature:0 0 0 0 0 0;}
@font-face
	{font-family:&quot;\@바탕&quot;;
	panose-1:2 3 6 0 0 1 1 1 1 1;
	mso-font-charset:129;
	mso-generic-font-family:roman;
	mso-font-pitch:variable;
	mso-font-signature:-1342176593 1775729915 48 0 524447 0;}
@font-face
	{font-family:&quot;\@굴림&quot;;
	panose-1:2 11 6 0 0 1 1 1 1 1;
	mso-font-charset:129;
	mso-generic-font-family:modern;
	mso-font-pitch:variable;
	mso-font-signature:-1342176593 1775729915 48 0 524447 0;}
 /* Style Definitions */
 p.MsoNormal, li.MsoNormal, div.MsoNormal
	{mso-style-unhide:no;
	mso-style-qformat:yes;
	mso-style-parent:&quot;&quot;;
	margin:0cm;
	margin-bottom:.0001pt;
	text-align:justify;
	text-justify:inter-ideograph;
	mso-pagination:none;
	text-autospace:none;
	word-break:break-hangul;
	font-size:10.0pt;
	mso-bidi-font-size:12.0pt;
	font-family:&quot;바탕&quot;,&quot;serif&quot;;
	mso-hansi-font-family:&quot;Times New Roman&quot;;
	mso-bidi-font-family:&quot;Times New Roman&quot;;
	mso-font-kerning:1.0pt;}
.MsoChpDefault
	{mso-style-type:export-only;
	mso-default-props:yes;
	mso-bidi-font-size:10.0pt;
	mso-ascii-font-family:&quot;Times New Roman&quot;;
	mso-fareast-font-family:바탕;
	mso-hansi-font-family:&quot;Times New Roman&quot;;
	mso-font-kerning:0pt;}
 /* Page Definitions */
 @page
	{mso-page-border-surround-header:no;
	mso-page-border-surround-footer:no;}
@page Section1
	{size:612.0pt 792.0pt;
	margin:3.0cm 72.0pt 72.0pt 72.0pt;
	mso-header-margin:36.0pt;
	mso-footer-margin:36.0pt;
	mso-paper-source:0;}
div.Section1
	{page:Section1;}
--&gt;
&lt;/style&gt;&lt;!--[if gte mso 10]&gt;
&lt;style&gt;
 /* Style Definitions */
 table.MsoNormalTable
	{mso-style-name:&quot;표준 표&quot;;
	mso-tstyle-rowband-size:0;
	mso-tstyle-colband-size:0;
	mso-style-noshow:yes;
	mso-style-priority:99;
	mso-style-qformat:yes;
	mso-style-parent:&quot;&quot;;
	mso-padding-alt:0cm 5.4pt 0cm 5.4pt;
	mso-para-margin:0cm;
	mso-para-margin-bottom:.0001pt;
	mso-pagination:widow-orphan;
	font-size:10.0pt;
	font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;}
&lt;/style&gt;
&lt;![endif]--&gt;

&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;그러면 위와 같이 이자율 환산의 화면으로 바뀌게 된다&lt;span lang=&quot;EN-US&quot;&gt;. TVM&lt;/span&gt;과&lt;span lang=&quot;EN-US&quot;&gt; Iconv&lt;/span&gt;는 상호관 완벽한 호환이 된다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;위에 사례에서 이자율 산정이 매일을 기준이라고 했다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;매일이 기준이라는
것은 매일 이자를 지급하다는 의미이다&lt;span lang=&quot;EN-US&quot;&gt;.(&lt;/span&gt;단&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;지급의 불편한
때문에 일정한 기간에 한번 지급하지만&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;이자계산은 매일 되는 것이다&lt;span lang=&quot;EN-US&quot;&gt;)&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span lang=&quot;EN-US&quot;&gt;&lt;o:p&gt;&amp;nbsp;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span style=&quot;font-family: 굴림;&quot;&gt;① &lt;/span&gt;그러므로&lt;span lang=&quot;EN-US&quot;&gt;,
Payments per year&lt;/span&gt;항목에&lt;span lang=&quot;EN-US&quot;&gt; 365&lt;/span&gt;를 입력한다&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span style=&quot;font-family: 굴림;&quot;&gt;②&lt;/span&gt; 연간 명목상의 이자율은&lt;span lang=&quot;EN-US&quot;&gt; 5%&lt;/span&gt;이므로&lt;span lang=&quot;EN-US&quot;&gt;, Nominal annual rate(&lt;/span&gt;명목상 연간이율&lt;span lang=&quot;EN-US&quot;&gt;)&lt;/span&gt;는&lt;span lang=&quot;EN-US&quot;&gt; 5 &lt;/span&gt;를 입력&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span style=&quot;font-family: 굴림;&quot;&gt;③&lt;/span&gt; 실질 이자율의 계산&lt;span lang=&quot;EN-US&quot;&gt; =&amp;gt; Effective annual rate(&lt;/span&gt;실질 연간이율&lt;span lang=&quot;EN-US&quot;&gt;)&lt;/span&gt;에
커스를 놓고 스페이스바나 직접 클릭하면 다음과 같은 결과가 도출된다&lt;span lang=&quot;EN-US&quot;&gt;.&lt;/span&gt;&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;&lt;br /&gt;
&lt;span lang=&quot;EN-US&quot;&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span style=&quot;font-size: 10pt; font-family: &amp;quot;바탕&amp;quot;,&amp;quot;serif&amp;quot;;&quot;&gt;&lt;div class=&quot;imageblock center&quot; style=&quot;text-align: center; clear: both;&quot;&gt;&lt;a href=&quot;http://cfile10.uf.tistory.com/original/161B164D4D178C0E07FA52&quot; rel=&quot;lightbox&quot; target=&quot;_blank&quot;&gt;&lt;img src=&quot;http://cfile10.uf.tistory.com/image/161B164D4D178C0E07FA52&quot; alt=&quot;&quot; height=&quot;212&quot; width=&quot;567&quot;/&gt;&lt;/a&gt;&lt;/div&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;&lt;br /&gt;
&lt;span lang=&quot;EN-US&quot;&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;&lt;meta http-equiv=&quot;Content-Type&quot; content=&quot;text/html; charset=utf-8&quot;&gt;&lt;meta name=&quot;ProgId&quot; content=&quot;Word.Document&quot;&gt;&lt;meta name=&quot;Generator&quot; content=&quot;Microsoft Word 12&quot;&gt;&lt;meta name=&quot;Originator&quot; content=&quot;Microsoft Word 12&quot;&gt;&lt;link rel=&quot;File-List&quot; href=&quot;file:///C:%5CDOCUME%7E1%5Cleo%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_filelist.xml&quot;&gt;&lt;link rel=&quot;themeData&quot; href=&quot;file:///C:%5CDOCUME%7E1%5Cleo%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_themedata.thmx&quot;&gt;&lt;link rel=&quot;colorSchemeMapping&quot; href=&quot;file:///C:%5CDOCUME%7E1%5Cleo%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_colorschememapping.xml&quot;&gt;&lt;!--[if gte mso 9]&gt;&lt;xml&gt;
 &lt;w:WordDocument&gt;
  &lt;w:View&gt;Normal&lt;/w:View&gt;
  &lt;w:Zoom&gt;0&lt;/w:Zoom&gt;
  &lt;w:TrackMoves/&gt;
  &lt;w:TrackFormatting/&gt;
  &lt;w:DisplayHorizontalDrawingGridEvery&gt;0&lt;/w:DisplayHorizontalDrawingGridEvery&gt;
  &lt;w:DisplayVerticalDrawingGridEvery&gt;2&lt;/w:DisplayVerticalDrawingGridEvery&gt;
  &lt;w:ValidateAgainstSchemas/&gt;
  &lt;w:SaveIfXMLInvalid&gt;false&lt;/w:SaveIfXMLInvalid&gt;
  &lt;w:IgnoreMixedContent&gt;false&lt;/w:IgnoreMixedContent&gt;
  &lt;w:AlwaysShowPlaceholderText&gt;false&lt;/w:AlwaysShowPlaceholderText&gt;
  &lt;w:DoNotPromoteQF/&gt;
  &lt;w:LidThemeOther&gt;EN-US&lt;/w:LidThemeOther&gt;
  &lt;w:LidThemeAsian&gt;KO&lt;/w:LidThemeAsian&gt;
  &lt;w:LidThemeComplexScript&gt;X-NONE&lt;/w:LidThemeComplexScript&gt;
  &lt;w:Compatibility&gt;
   &lt;w:SpaceForUL/&gt;
   &lt;w:BalanceSingleByteDoubleByteWidth/&gt;
   &lt;w:DoNotLeaveBackslashAlone/&gt;
   &lt;w:ULTrailSpace/&gt;
   &lt;w:DoNotExpandShiftReturn/&gt;
   &lt;w:AdjustLineHeightInTable/&gt;
   &lt;w:BreakWrappedTables/&gt;
   &lt;w:SnapToGridInCell/&gt;
   &lt;w:WrapTextWithPunct/&gt;
   &lt;w:UseAsianBreakRules/&gt;
   &lt;w:DontGrowAutofit/&gt;
   &lt;w:SplitPgBreakAndParaMark/&gt;
   &lt;w:DontVertAlignCellWithSp/&gt;
   &lt;w:DontBreakConstrainedForcedTables/&gt;
   &lt;w:DontVertAlignInTxbx/&gt;
   &lt;w:Word11KerningPairs/&gt;
   &lt;w:CachedColBalance/&gt;
   &lt;w:UseFELayout/&gt;
  &lt;/w:Compatibility&gt;
  &lt;w:BrowserLevel&gt;MicrosoftInternetExplorer4&lt;/w:BrowserLevel&gt;
  &lt;m:mathPr&gt;
   &lt;m:mathFont m:val=&quot;Cambria Math&quot;/&gt;
   &lt;m:brkBin m:val=&quot;before&quot;/&gt;
   &lt;m:brkBinSub m:val=&quot;&amp;#45;-&quot;/&gt;
   &lt;m:smallFrac m:val=&quot;off&quot;/&gt;
   &lt;m:dispDef/&gt;
   &lt;m:lMargin m:val=&quot;0&quot;/&gt;
   &lt;m:rMargin m:val=&quot;0&quot;/&gt;
   &lt;m:defJc m:val=&quot;centerGroup&quot;/&gt;
   &lt;m:wrapIndent m:val=&quot;1440&quot;/&gt;
   &lt;m:intLim m:val=&quot;subSup&quot;/&gt;
   &lt;m:naryLim m:val=&quot;undOvr&quot;/&gt;
  &lt;/m:mathPr&gt;&lt;/w:WordDocument&gt;
&lt;/xml&gt;&lt;![endif]--&gt;&lt;!--[if gte mso 9]&gt;&lt;xml&gt;
 &lt;w:LatentStyles DefLockedState=&quot;false&quot; DefUnhideWhenUsed=&quot;true&quot;
  DefSemiHidden=&quot;true&quot; DefQFormat=&quot;false&quot; DefPriority=&quot;99&quot;
  LatentStyleCount=&quot;267&quot;&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;0&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Normal&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;heading 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 7&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 8&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 9&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 7&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 8&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 9&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;35&quot; QFormat=&quot;true&quot; Name=&quot;caption&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;10&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Title&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;1&quot; Name=&quot;Default Paragraph Font&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;11&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Subtitle&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;22&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Strong&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;20&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Emphasis&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;59&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Table Grid&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; UnhideWhenUsed=&quot;false&quot; Name=&quot;Placeholder Text&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;1&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;No Spacing&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; UnhideWhenUsed=&quot;false&quot; Name=&quot;Revision&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;34&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;List Paragraph&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;29&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Quote&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;30&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Intense Quote&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;19&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Subtle Emphasis&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;21&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Intense Emphasis&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;31&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Subtle Reference&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;32&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Intense Reference&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;33&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Book Title&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;37&quot; Name=&quot;Bibliography&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; QFormat=&quot;true&quot; Name=&quot;TOC Heading&quot;/&gt;
 &lt;/w:LatentStyles&gt;
&lt;/xml&gt;&lt;![endif]--&gt;&lt;style&gt;
&lt;!--
 /* Font Definitions */
 @font-face
	{font-family:바탕;
	panose-1:2 3 6 0 0 1 1 1 1 1;
	mso-font-alt:Batang;
	mso-font-charset:129;
	mso-generic-font-family:roman;
	mso-font-pitch:variable;
	mso-font-signature:-1342176593 1775729915 48 0 524447 0;}
@font-face
	{font-family:굴림;
	panose-1:2 11 6 0 0 1 1 1 1 1;
	mso-font-alt:Gulim;
	mso-font-charset:129;
	mso-generic-font-family:modern;
	mso-font-pitch:variable;
	mso-font-signature:-1342176593 1775729915 48 0 524447 0;}
@font-face
	{font-family:&quot;Cambria Math&quot;;
	panose-1:2 4 5 3 5 4 6 3 2 4;
	mso-font-charset:1;
	mso-generic-font-family:roman;
	mso-font-format:other;
	mso-font-pitch:variable;
	mso-font-signature:0 0 0 0 0 0;}
@font-face
	{font-family:&quot;\@바탕&quot;;
	panose-1:2 3 6 0 0 1 1 1 1 1;
	mso-font-charset:129;
	mso-generic-font-family:roman;
	mso-font-pitch:variable;
	mso-font-signature:-1342176593 1775729915 48 0 524447 0;}
@font-face
	{font-family:&quot;\@굴림&quot;;
	panose-1:2 11 6 0 0 1 1 1 1 1;
	mso-font-charset:129;
	mso-generic-font-family:modern;
	mso-font-pitch:variable;
	mso-font-signature:-1342176593 1775729915 48 0 524447 0;}
 /* Style Definitions */
 p.MsoNormal, li.MsoNormal, div.MsoNormal
	{mso-style-unhide:no;
	mso-style-qformat:yes;
	mso-style-parent:&quot;&quot;;
	margin:0cm;
	margin-bottom:.0001pt;
	text-align:justify;
	text-justify:inter-ideograph;
	mso-pagination:none;
	text-autospace:none;
	word-break:break-hangul;
	font-size:10.0pt;
	mso-bidi-font-size:12.0pt;
	font-family:&quot;바탕&quot;,&quot;serif&quot;;
	mso-hansi-font-family:&quot;Times New Roman&quot;;
	mso-bidi-font-family:&quot;Times New Roman&quot;;
	mso-font-kerning:1.0pt;}
.MsoChpDefault
	{mso-style-type:export-only;
	mso-default-props:yes;
	mso-bidi-font-size:10.0pt;
	mso-ascii-font-family:&quot;Times New Roman&quot;;
	mso-fareast-font-family:바탕;
	mso-hansi-font-family:&quot;Times New Roman&quot;;
	mso-font-kerning:0pt;}
 /* Page Definitions */
 @page
	{mso-page-border-surround-header:no;
	mso-page-border-surround-footer:no;}
@page Section1
	{size:612.0pt 792.0pt;
	margin:3.0cm 72.0pt 72.0pt 72.0pt;
	mso-header-margin:36.0pt;
	mso-footer-margin:36.0pt;
	mso-paper-source:0;}
div.Section1
	{page:Section1;}
--&gt;
&lt;/style&gt;&lt;!--[if gte mso 10]&gt;
&lt;style&gt;
 /* Style Definitions */
 table.MsoNormalTable
	{mso-style-name:&quot;표준 표&quot;;
	mso-tstyle-rowband-size:0;
	mso-tstyle-colband-size:0;
	mso-style-noshow:yes;
	mso-style-priority:99;
	mso-style-qformat:yes;
	mso-style-parent:&quot;&quot;;
	mso-padding-alt:0cm 5.4pt 0cm 5.4pt;
	mso-para-margin:0cm;
	mso-para-margin-bottom:.0001pt;
	mso-pagination:widow-orphan;
	font-size:10.0pt;
	font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;}
&lt;/style&gt;
&lt;![endif]--&gt;

&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;즉&lt;span lang=&quot;EN-US&quot;&gt;, 5%&lt;/span&gt;의 이율은 실질적으로는 매일단위로 계산했을시 년간&lt;span lang=&quot;EN-US&quot;&gt; 5.127%&lt;/span&gt;가 되는 것이다&lt;span lang=&quot;EN-US&quot;&gt;.&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span lang=&quot;EN-US&quot;&gt;&lt;o:p&gt;&amp;nbsp;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;이제 년간 단위가 아닌 실질적인 매일 단위의 이자를 구했으므로&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;본격적인
금액을 도출해보자&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;사례의 최종 목적은&lt;span lang=&quot;EN-US&quot;&gt; 8&lt;/span&gt;년후 받게되는 총금액이다&lt;span lang=&quot;EN-US&quot;&gt;.&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;이제다시 매일을 기준으로 변횐된 이자율을 통상적인 연간개념으로 바꾸어야 한다&lt;span lang=&quot;EN-US&quot;&gt;.
&lt;/span&gt;연간 실질 이자율이&lt;span lang=&quot;EN-US&quot;&gt; 5.127% &lt;/span&gt;일때 이는&lt;span lang=&quot;EN-US&quot;&gt; 365&lt;/span&gt;일
기준의 이자율이지만&lt;span lang=&quot;EN-US&quot;&gt;, A&lt;/span&gt;라는 사람은 매달 일정금액을 저축하게 된다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;그러므로&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;매달 저축한 금액에 대해서 이자를 받게 되므로&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;또다시 이자율의
기준을 년간&lt;span lang=&quot;EN-US&quot;&gt; 12&lt;/span&gt;번 지급되는 이자율로 환산을 시켜야 한다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span lang=&quot;EN-US&quot;&gt;&lt;o:p&gt;&amp;nbsp;&lt;/o:p&gt;&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span style=&quot;font-family: 굴림;&quot;&gt;④&lt;/span&gt; 년간&lt;span lang=&quot;EN-US&quot;&gt; 12&lt;/span&gt;번
지급되는 이자율로 환산&lt;span lang=&quot;EN-US&quot;&gt; =&amp;gt; Payments per year&lt;/span&gt;의 값을&lt;span lang=&quot;EN-US&quot;&gt; 12&lt;/span&gt;로 변환&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span style=&quot;font-family: 굴림;&quot;&gt;⑤&lt;/span&gt; 명목상 이자율로 환산 &lt;span lang=&quot;EN-US&quot;&gt;=&amp;gt; Nominal annual rate&lt;/span&gt;에 커스를 놓고 스페이스바를 클릭하거나&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;직접&lt;span lang=&quot;EN-US&quot;&gt; Nomina annual rate&lt;/span&gt;를 클릭해보자&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;아래 그림과 같다&lt;span lang=&quot;EN-US&quot;&gt;.&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span lang=&quot;EN-US&quot;&gt;&lt;div class=&quot;imageblock center&quot; style=&quot;text-align: center; clear: both;&quot;&gt;&lt;a href=&quot;http://cfile9.uf.tistory.com/original/166EC6594D178C0D39C55B&quot; rel=&quot;lightbox&quot; target=&quot;_blank&quot;&gt;&lt;img src=&quot;http://cfile9.uf.tistory.com/image/166EC6594D178C0D39C55B&quot; alt=&quot;&quot; height=&quot;212&quot; width=&quot;567&quot;/&gt;&lt;/a&gt;&lt;/div&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;&lt;br /&gt;
&lt;span lang=&quot;EN-US&quot;&gt;&lt;/span&gt;&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;&lt;meta http-equiv=&quot;Content-Type&quot; content=&quot;text/html; charset=utf-8&quot;&gt;&lt;meta name=&quot;ProgId&quot; content=&quot;Word.Document&quot;&gt;&lt;meta name=&quot;Generator&quot; content=&quot;Microsoft Word 12&quot;&gt;&lt;meta name=&quot;Originator&quot; content=&quot;Microsoft Word 12&quot;&gt;&lt;link rel=&quot;File-List&quot; href=&quot;file:///C:%5CDOCUME%7E1%5Cleo%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_filelist.xml&quot;&gt;&lt;link rel=&quot;themeData&quot; href=&quot;file:///C:%5CDOCUME%7E1%5Cleo%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_themedata.thmx&quot;&gt;&lt;link rel=&quot;colorSchemeMapping&quot; href=&quot;file:///C:%5CDOCUME%7E1%5Cleo%5CLOCALS%7E1%5CTemp%5Cmsohtmlclip1%5C01%5Cclip_colorschememapping.xml&quot;&gt;&lt;!--[if gte mso 9]&gt;&lt;xml&gt;
 &lt;w:WordDocument&gt;
  &lt;w:View&gt;Normal&lt;/w:View&gt;
  &lt;w:Zoom&gt;0&lt;/w:Zoom&gt;
  &lt;w:TrackMoves/&gt;
  &lt;w:TrackFormatting/&gt;
  &lt;w:DisplayHorizontalDrawingGridEvery&gt;0&lt;/w:DisplayHorizontalDrawingGridEvery&gt;
  &lt;w:DisplayVerticalDrawingGridEvery&gt;2&lt;/w:DisplayVerticalDrawingGridEvery&gt;
  &lt;w:ValidateAgainstSchemas/&gt;
  &lt;w:SaveIfXMLInvalid&gt;false&lt;/w:SaveIfXMLInvalid&gt;
  &lt;w:IgnoreMixedContent&gt;false&lt;/w:IgnoreMixedContent&gt;
  &lt;w:AlwaysShowPlaceholderText&gt;false&lt;/w:AlwaysShowPlaceholderText&gt;
  &lt;w:DoNotPromoteQF/&gt;
  &lt;w:LidThemeOther&gt;EN-US&lt;/w:LidThemeOther&gt;
  &lt;w:LidThemeAsian&gt;KO&lt;/w:LidThemeAsian&gt;
  &lt;w:LidThemeComplexScript&gt;X-NONE&lt;/w:LidThemeComplexScript&gt;
  &lt;w:Compatibility&gt;
   &lt;w:SpaceForUL/&gt;
   &lt;w:BalanceSingleByteDoubleByteWidth/&gt;
   &lt;w:DoNotLeaveBackslashAlone/&gt;
   &lt;w:ULTrailSpace/&gt;
   &lt;w:DoNotExpandShiftReturn/&gt;
   &lt;w:AdjustLineHeightInTable/&gt;
   &lt;w:BreakWrappedTables/&gt;
   &lt;w:SnapToGridInCell/&gt;
   &lt;w:WrapTextWithPunct/&gt;
   &lt;w:UseAsianBreakRules/&gt;
   &lt;w:DontGrowAutofit/&gt;
   &lt;w:SplitPgBreakAndParaMark/&gt;
   &lt;w:DontVertAlignCellWithSp/&gt;
   &lt;w:DontBreakConstrainedForcedTables/&gt;
   &lt;w:DontVertAlignInTxbx/&gt;
   &lt;w:Word11KerningPairs/&gt;
   &lt;w:CachedColBalance/&gt;
   &lt;w:UseFELayout/&gt;
  &lt;/w:Compatibility&gt;
  &lt;w:BrowserLevel&gt;MicrosoftInternetExplorer4&lt;/w:BrowserLevel&gt;
  &lt;m:mathPr&gt;
   &lt;m:mathFont m:val=&quot;Cambria Math&quot;/&gt;
   &lt;m:brkBin m:val=&quot;before&quot;/&gt;
   &lt;m:brkBinSub m:val=&quot;&amp;#45;-&quot;/&gt;
   &lt;m:smallFrac m:val=&quot;off&quot;/&gt;
   &lt;m:dispDef/&gt;
   &lt;m:lMargin m:val=&quot;0&quot;/&gt;
   &lt;m:rMargin m:val=&quot;0&quot;/&gt;
   &lt;m:defJc m:val=&quot;centerGroup&quot;/&gt;
   &lt;m:wrapIndent m:val=&quot;1440&quot;/&gt;
   &lt;m:intLim m:val=&quot;subSup&quot;/&gt;
   &lt;m:naryLim m:val=&quot;undOvr&quot;/&gt;
  &lt;/m:mathPr&gt;&lt;/w:WordDocument&gt;
&lt;/xml&gt;&lt;![endif]--&gt;&lt;!--[if gte mso 9]&gt;&lt;xml&gt;
 &lt;w:LatentStyles DefLockedState=&quot;false&quot; DefUnhideWhenUsed=&quot;true&quot;
  DefSemiHidden=&quot;true&quot; DefQFormat=&quot;false&quot; DefPriority=&quot;99&quot;
  LatentStyleCount=&quot;267&quot;&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;0&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Normal&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;heading 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 7&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 8&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;9&quot; QFormat=&quot;true&quot; Name=&quot;heading 9&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 7&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 8&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; Name=&quot;toc 9&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;35&quot; QFormat=&quot;true&quot; Name=&quot;caption&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;10&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Title&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;1&quot; Name=&quot;Default Paragraph Font&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;11&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Subtitle&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;22&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Strong&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;20&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Emphasis&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;59&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Table Grid&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; UnhideWhenUsed=&quot;false&quot; Name=&quot;Placeholder Text&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;1&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;No Spacing&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; UnhideWhenUsed=&quot;false&quot; Name=&quot;Revision&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;34&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;List Paragraph&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;29&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Quote&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;30&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Intense Quote&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 1&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 2&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 3&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 4&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 5&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;60&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Shading Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;61&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light List Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;62&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Light Grid Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;63&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 1 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;64&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Shading 2 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;65&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 1 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;66&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium List 2 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;67&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 1 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;68&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 2 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;69&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Medium Grid 3 Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;70&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Dark List Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;71&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Shading Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;72&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful List Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;73&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; Name=&quot;Colorful Grid Accent 6&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;19&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Subtle Emphasis&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;21&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Intense Emphasis&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;31&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Subtle Reference&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;32&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Intense Reference&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;33&quot; SemiHidden=&quot;false&quot;
   UnhideWhenUsed=&quot;false&quot; QFormat=&quot;true&quot; Name=&quot;Book Title&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;37&quot; Name=&quot;Bibliography&quot;/&gt;
  &lt;w:LsdException Locked=&quot;false&quot; Priority=&quot;39&quot; QFormat=&quot;true&quot; Name=&quot;TOC Heading&quot;/&gt;
 &lt;/w:LatentStyles&gt;
&lt;/xml&gt;&lt;![endif]--&gt;&lt;style&gt;
&lt;!--
 /* Font Definitions */
 @font-face
	{font-family:바탕;
	panose-1:2 3 6 0 0 1 1 1 1 1;
	mso-font-alt:Batang;
	mso-font-charset:129;
	mso-generic-font-family:roman;
	mso-font-pitch:variable;
	mso-font-signature:-1342176593 1775729915 48 0 524447 0;}
@font-face
	{font-family:굴림;
	panose-1:2 11 6 0 0 1 1 1 1 1;
	mso-font-alt:Gulim;
	mso-font-charset:129;
	mso-generic-font-family:modern;
	mso-font-pitch:variable;
	mso-font-signature:-1342176593 1775729915 48 0 524447 0;}
@font-face
	{font-family:&quot;Cambria Math&quot;;
	panose-1:2 4 5 3 5 4 6 3 2 4;
	mso-font-charset:1;
	mso-generic-font-family:roman;
	mso-font-format:other;
	mso-font-pitch:variable;
	mso-font-signature:0 0 0 0 0 0;}
@font-face
	{font-family:&quot;\@바탕&quot;;
	panose-1:2 3 6 0 0 1 1 1 1 1;
	mso-font-charset:129;
	mso-generic-font-family:roman;
	mso-font-pitch:variable;
	mso-font-signature:-1342176593 1775729915 48 0 524447 0;}
@font-face
	{font-family:&quot;\@굴림&quot;;
	panose-1:2 11 6 0 0 1 1 1 1 1;
	mso-font-charset:129;
	mso-generic-font-family:modern;
	mso-font-pitch:variable;
	mso-font-signature:-1342176593 1775729915 48 0 524447 0;}
 /* Style Definitions */
 p.MsoNormal, li.MsoNormal, div.MsoNormal
	{mso-style-unhide:no;
	mso-style-qformat:yes;
	mso-style-parent:&quot;&quot;;
	margin:0cm;
	margin-bottom:.0001pt;
	text-align:justify;
	text-justify:inter-ideograph;
	mso-pagination:none;
	text-autospace:none;
	word-break:break-hangul;
	font-size:10.0pt;
	mso-bidi-font-size:12.0pt;
	font-family:&quot;바탕&quot;,&quot;serif&quot;;
	mso-hansi-font-family:&quot;Times New Roman&quot;;
	mso-bidi-font-family:&quot;Times New Roman&quot;;
	mso-font-kerning:1.0pt;}
.MsoChpDefault
	{mso-style-type:export-only;
	mso-default-props:yes;
	mso-bidi-font-size:10.0pt;
	mso-ascii-font-family:&quot;Times New Roman&quot;;
	mso-fareast-font-family:바탕;
	mso-hansi-font-family:&quot;Times New Roman&quot;;
	mso-font-kerning:0pt;}
 /* Page Definitions */
 @page
	{mso-page-border-surround-header:no;
	mso-page-border-surround-footer:no;}
@page Section1
	{size:612.0pt 792.0pt;
	margin:3.0cm 72.0pt 72.0pt 72.0pt;
	mso-header-margin:36.0pt;
	mso-footer-margin:36.0pt;
	mso-paper-source:0;}
div.Section1
	{page:Section1;}
--&gt;
&lt;/style&gt;&lt;!--[if gte mso 10]&gt;
&lt;style&gt;
 /* Style Definitions */
 table.MsoNormalTable
	{mso-style-name:&quot;표준 표&quot;;
	mso-tstyle-rowband-size:0;
	mso-tstyle-colband-size:0;
	mso-style-noshow:yes;
	mso-style-priority:99;
	mso-style-qformat:yes;
	mso-style-parent:&quot;&quot;;
	mso-padding-alt:0cm 5.4pt 0cm 5.4pt;
	mso-para-margin:0cm;
	mso-para-margin-bottom:.0001pt;
	mso-pagination:widow-orphan;
	font-size:10.0pt;
	font-family:&quot;Times New Roman&quot;,&quot;serif&quot;;}
&lt;/style&gt;
&lt;![endif]--&gt;

&lt;/p&gt;
&lt;p class=&quot;MsoNormal&quot;&gt;즉&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;사례의 이자율은 풀어서 설명하면&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;매일 지급하는 이자율을 기준할때는 년간&lt;span lang=&quot;EN-US&quot;&gt; 5.127%&lt;/span&gt;의 이율로 지급이
되며&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;이를 다시 매달로 지급되는 이자율로 환산하여 계산하면&lt;span lang=&quot;EN-US&quot;&gt;
5.010%&lt;/span&gt;가 되는 것이다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;그런데&lt;span lang=&quot;EN-US&quot;&gt;, &lt;/span&gt;우리가
필요한 이자율의 값은 매달 불입하는 일정 저축액에 대한 이자율과&lt;span lang=&quot;EN-US&quot;&gt; 8&lt;/span&gt;년후의 총합계액이다&lt;span lang=&quot;EN-US&quot;&gt;. &lt;/span&gt;그러므로&lt;span lang=&quot;EN-US&quot;&gt;, Norminal annual rate&lt;/span&gt;가 실질적으로 필요한
것이다&lt;span lang=&quot;EN-US&quot;&gt;.&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;&lt;span lang=&quot;EN-US&quot;&gt;5% -&amp;gt; 5.127% -&amp;gt; 5.010%&lt;/span&gt;로 원하는 이자율의
환산이 이루어졌다&lt;span lang=&quot;EN-US&quot;&gt;.&lt;/span&gt;&lt;/p&gt;

&lt;p class=&quot;MsoNormal&quot;&gt;자 이제&lt;span lang=&quot;EN-US&quot;&gt; 8&lt;/span&gt;년뒤에 받을 금액을 구해보자&lt;/p&gt;


