%PDF-1.7 1 0 obj << /Type /Catalog /Outlines 2 0 R /Pages 3 0 R >> endobj 2 0 obj << /Type /Outlines /Count 0 >> endobj 3 0 obj << /Type /Pages /Kids [6 0 R 19 0 R ] /Count 2 /Resources << /ProcSet 4 0 R /Font << /F1 8 0 R /F2 9 0 R /F3 10 0 R /F4 11 0 R /F5 12 0 R >> /XObject << /I1 14 0 R /I2 15 0 R /I3 16 0 R /I4 23 0 R /I5 24 0 R >> /ExtGState << /GS1 17 0 R /GS2 18 0 R /GS3 21 0 R /GS4 22 0 R >> >> /MediaBox [0.000 0.000 612.000 792.000] >> endobj 4 0 obj [/PDF /Text /ImageC ] endobj 5 0 obj << /Producer (dompdf 1.0.2 + CPDF) /CreationDate (D:20241123030138+00'00') /ModDate (D:20241123030138+00'00') >> endobj 6 0 obj << /Type /Page /MediaBox [0.000 0.000 612.000 792.000] /Parent 3 0 R /Contents 7 0 R >> endobj 7 0 obj << /Filter /FlateDecode /Length 1870 >> stream xXMsWq]% R9zSNV+a )z ؕԼݶdHt~W_m{QH=t׌╈!zӫkf"9No׫HDΖ *sJ_ˊLDII@{"^E@W;A"g/tkTuqB|~ߑ`zY&-G_ |yīѐ9]ku*8 8NHttKPu {N:d\[SGLGn&-!\WcU7۪E!*]nA; yvPk_M'ZrQ>4"͋%/ S$ [\ܴjI Y~657r 4BLhg]FިJq4{ǕaIsl%iW 0f?Y#GEFv&CUh(v bs!pLԉRܡQ䐻5}㢟X")E!e?2|PJE ItB{UaKxr e+([}y_@,*ϹۨxtRqK ƢУly{Ng0R w"GܼsSbY[Uŀpz ”;uR@t7yd4 fjZE.+(KYjK>.QFW<7D{g֢uQk5|Q7[Π$(ס~RN=ѽsҒKrnUw*DV+R7۝: ƲAr,g77 D q5 >zM ɾYKkͼ}r鋦fԑ(- @JV!'VЭV461Q -7֠kN1"a9^]x\g"/\dGMܕaF&Y]4j̾d5x_6\}ef?.󈹄U+S%+XT+#)PeYt'N+? 1cJpXB;^PJȠ}䱘2{6v>j+3s5'H]_jqaa"uf XC c<äͲ9@3eZ5*4~+1PJs {!PY R 0ZZ5z'  ~kβ|l{Y`EB$eHǒ&'}Xvφu1\m2IB8VkQ&Dq# 8 Y~ -\,^zyʃHD={vL *3/Blp >>0@rφ׏wǛZ>ғF*(G݂҆f^6WqK_ L'B, $Ny4stӴuw v)=AXg$YޖKqoA7e*֫ޯnS=wz> endobj 9 0 obj << /Type /Font /Subtype /Type1 /Name /F2 /BaseFont /Times-Bold /Encoding /WinAnsiEncoding >> endobj 10 0 obj << /Type /Font /Subtype /Type1 /Name /F3 /BaseFont /Times-Roman /Encoding /WinAnsiEncoding >> endobj 11 0 obj << /Type /Font /Subtype /Type1 /Name /F4 /BaseFont /Helvetica-Bold /Encoding /WinAnsiEncoding >> endobj 12 0 obj << /Type /Font /Subtype /Type1 /Name /F5 /BaseFont /Helvetica-Oblique /Encoding /WinAnsiEncoding >> endobj 13 0 obj [6 0 R /Fit] endobj 14 0 obj << /Type /XObject /Subtype /Image /Width 640 /Height 480 /ColorSpace /DeviceRGB /Filter /DCTDecode /BitsPerComponent 8 /Length 21861>> stream JFIFC    !'"#%%%),($+!$%$C   $$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$$" -dIA* L( 3Zfi'C:UԓzeFC4P"CC@b h h hAߜzH@=cQdzdzy+Ԅ'θɳuA\ؕ! UC6Y ,Y( Ch h!b!V>ѣZAI Sp:瞲^<ܽLcқZOǛǿ212\>y Eg^>^Ǻ<9C=xGϟ_Bdѣg%ZY5R  K`SfS2qc-$ΘK&ң162cJ &:fVE"̍$ f+taZ˞_L^Dmi:\I,Y3DX71fYɭlh'PF[E25YZcѝeVM M>zy_I`"ΤC'1f^ॲpW"u 0D]_>g\Ȍ ;2"ڤ1 &%HJ!F..=͎-kt>\yElj>m*Cэg'j`$jeZ$tʚTTgjKfC:43ZY6& Tbt@bΰJhc>~` B0{z99k| kB3ՓB ifk؜n,:|aWY7z_/ ~ҿK~OUSԦd1= 6a 10b` 1,M+O_'|%r3|^yB=;#:cNίs{z~:vِMh0`0>=gx7ˆX˨x7Q^?r?%x{xުsm|~s3zptvZskM0LC"@  +b 6y?~Q*fzpcY{4z]5z# u94쳒aZ  `1ADϒߨ wOle=<>g|nc+|CCnm7fwLLC1!F @(4(1RFzrx^|^=/~Uϯ^ڜ:Rzp4  @!C4|u[:?7{ų^]G~80P瞦rK4-4mШj0@!EC@#fW wWyE{⇻>G2Q_*ϬuZ|K>og~mUf~hW:暟Z?>-O5} YEq3gB62fD4b$K;d$(B %@ ADB pp]ҿ(=<2O4kg_y{٧u4~]~h~6y>|]16 $$( B2 $)Yd2 $(eHQ!D A $(B2C2\=:Ɵi)Ƿ)ǹz_( |yO]Y^xأ=y^<) /i)*WG{ױ5䞩gz/UY=נGb9r`l2%!1#H>YV3PԬdjYtM1\ rT.F/bX5RVCЖf248zz:&Mz C%d#o6bl.+p瞖r!ʺÍw@<'G>&mvX & RHT3t TInbhdeR$S "ͺΥ%*lNBrhZ͵cMDU!\d!JJ&$)+ !0"P1@`#2A,[ŋ,[Rŋ,XbſXcıbfķ{Y:&H``8k3Yk5h4Lpf,Ŗ/θ,4bX:ChQk5-._tLtLk5Cj5FQıbŋ,[;-^7cYk5fY```````````bbbXbŋ{#[5[0f Řcņ,Xbż1105YyyiVugI&t.%RtuGYduGYTuQGUDuN:T3t:GLCu:GH#t:'Dt:gPCuQ:꣬:B4#B4J%A[00000000005,XcbQ0Fѭѭѭѭѭѭѭ#`0111111,Xbŋ,Xc+~-ŋ,XcfBe/ؾF&G[ш/cE!q/e\mbmb,XVKdz췋o},/u}rE˗/G%._͋{-d~)-C,c[ͅC%?uylO˗.eX,Xe 뷱Oz.Gbŋ-l_e[~mˍ._r6G跋rj*Jط,["^ȿ6/,[ĝ1-,[ŋ/e[EEŌKxEIr8>f+2dro1,/u}\.? 2K%#%-2TUY#XıϏ{._>Hom2o9 5"T߲Qcы,(ϓ>Oϟeˍwy; .okvo#6,Ɔ"Zn-.֐#ňU Et]2gq4Y{Xowϔ\,LlȸqdGӾ5.)/sU2˒u8k#(_`M#qLq!'fBR';rJR/䑒> $\RLbSUثFs~JqZU L5c5O).2XFCiRzsqSJ^d1 He%&)12_"s;5;S#|9nw,XVc1E K(Emʌg.TT'/c"3TrkENzPUeLKJ_ RO(/4K9_svEƮqZn*"闋//HDc|(XHx-x>GegeT)|jmyണ&iv} 3/eiJ V 쉲$(DodY/ ۂf*H#O0q5Ier]nQJ*Rj/=S݌Қj I[%iQ- VO>6 iR?'NSիL.SnffFEYW Nih֭  KLqT.VI>o2XQQ?D3*zZɎ322/`bU~$8θEAQ cC֘:,)ŤT=VLu322.|3Q-H7#:tEՈsH&!RLO3Fh!D)IիhLJE?NRJI1-TK"Y369/k5EWĵfe&%6Bd8F!H|Ks=)R'OьPG7\WK%]H*GEљe"r?f*$G6.-(KRG"4$Y*#R KF.cj$nDS*z?%+I# 2.\B,I~eiIԧ1pM:KVLb;d88xȍQ1@ķĥ=dVP#Ԗɮ|r9,u[2.Q!!x(#M""JO) `ب6GGGGF X+ONZSJR^YwU*^10(FIXlC"1((2:͓KP\RY#LPBHDfȱ!@TLk001,[cuVIX1OrqDK ( &%Fg" eyP1S5H(0di2H#DTEHTLP rVc<#(E0#u4EHT@ıo1D,$D bڰ8hܩcⳬ4H1@Pſ4dr#:#㣮j1@ıo~D#GywGmvGaѹQ3FHEt_Fɝ~Eg?$/S!zz!sй\؝vGeoFnFlFh"J˙36f͌H\韐FG/SbAzP^^h^\؝ȝvQGaѹQ$drB˙36f͌;;S;;;?!32?%!z1zTAz?(ɣh?"ȣNNNNNNN7r6b3Fh/\rFL͙c6l7HLLL21z?&~O2˙3&``````bbbbbXbŋ,X5&Qj5FQk5fYk5fYj5f&&&%,[fYk5f5FYk5FQj5F5FIj5FQi4M&Ij5FQk5 LK-ŋ,Xbŋ,4b``b````bbbbbbbbbbbbbbbb```````k5fQj5F_v,Xbž"bŋ,X!P`0 !@p?HDO1?zٳf͛+f͕U[6UUUlٳf͕UUx3ަ3>} q|'O/Ǚq˕YxDDDDDD&P! @0A`"Q?B11x1c11c12 (tΜVJY)%$B (PB *T;Xz0L,D&"a"abgG; fDpc&j5m?#,9Á{[?VBۮ#W4! 4!B,Xbŋ !Blc,Xbŋ,8ݯɱc10?31! "AQ#02P`aq@Rrbp?$qGu`4E.t􋧤mOH?{ B>bK'q.߷/1z}UwURQd Uy]I/<SEg𫶚g-V3)N*fkL#-EY07<3hK hF0߷٥ןB8tNu*3^̈nd3)zrZNJTA])Tå^w^a*0n;&L(ԥ)p”BR?,f}'H'A>47QEFj! &!BAV c<$$DA$VXCxC>7B!?x!B R `hbJ!DːoFQ'ž}c>r0A\N! bHE_~ F WF os>K::: b߇tQщuGA> ׁN>p ++p_W||'^"NOFD::>!Hr Y}!:`QuGQuGQtGQtpOAO&=  'a /_|ǦkB! !L*60HAg]2?bx:=֔lfȐD#h|a%x6K LHJLA&OFRk ~._lsB33B RRL6)<x4ddZ2 mqb`eTS4b~hM̧WJ&6&kZTTTT$ !"pd*(Q='h5#B)p3Qeeba`bGBCL"(a%͉0Ɔ-ZtM خ ̏QsѠ!c'"DBL))ńCpbc3g6'EaMsR!M %H$ @<=AhI+QTأئCt7qF82(L pB H<5kJb <4] ՠiX ,O@Ԃ@I#.M9Ū#v$Xp܄,liYYrB0 XhBx +)xBa5N zUQ}DDЏ \I}:5{>ŠzR0ۂ)ѷR禱ӂh%^+:f wBCU Q51hy{ѐHO5F525=Nڛ#EHA=!U 2*28-cBؘgf܄'IbS5E{TqGURP>^X7&ć,HGi0|[qDMiFegDCD=?a)pLc5=A3d+4JಟIK5="i nQEwLTz$8Hr4h^ؽ>fqC6ʬOB?B*+$p6֑N9W N$0aXq:[wfՒESL=5 Q *+4pq04~(4j᧬b}`uriMjےћjxv6 nBzKb(ѻBh%".^(%ӬP֑&wP5'-5gGJDAKog Q]+jT%=ѻ֕J$~g}:tjf8.iRlv|Š~q6H4JmuwEDl ([EDǡuBS@З]j)?~Knjp4ܑxwAOj}P@n3ҚaphQޅh{pި! [5Hs=wQq" +T߆z <G!)ѳk&5Nậ?$d EEx\:}U6)ukw$j4'rOBAmrCƍb[Q6u h&~ ,lѯ5F%nc',Zn&-i]]/MVFj5u[rd/tMjOChB)1sxfbPW= 5La> bD^#H{hw h74wOcMꚯq/fR% ږ v]ht}رW/C+&ReWڝCuv^>D;/!__0·?3%;^ NZGRl'*7I[֍]=l4ka)6G.} tgƦs4'c~FE?!}x/"_Q*]ɨu0jvlND|%OF΃lϒ,!7Cf X$W,%OHF5$_oJDzJw*C?I^Ѹ!¨[ s}~(kx=m bt l#taƊzbo7%(ai`$#4Iz=zikm"SEg&b8.h Pf" u=X2Չؑ "9VEM[ICu?虹 B{C B~n6jiTu wöRݓQQlKKa(lLz]rz!:QHLc+%z Dp  "߱+L1BЇSf1N~Ų^61B6vM͡‡0@{OFpzX%z% 0cs٢9j1k& (S4T7@@` D,T {ɛ pH/PtP)z B#q=f 4=3LCw챑pnE"hފ~W7C@ ^:ġXwF҈,*Ư,d*Պ (B !D,>{r7ذmwPW^4!(-Tƃ8k a J4LJz *_q^55$:ps1ԪHJP% cI, ,Z+]H,ebD)#b% 9 4CS(paahatGY" ~F3[1 'ބl_tD'IuX࿵ѱh tgX+ 4 TPW&lt A?^F("!?p*4()~= 8QA!?tH ,BBFFBBFB; D. y;O$8ܱ?""G$s'dd%v'G$)JRQerWH0G${ 39lo/$M.Sivqv┥)J\R┥_%rwq% _ @J.qs3CHRHHH ;ø)JR)KR┥/JQEY\avô.XWI!峐ƅ% BO%)JR)JR)JR)JR/e)J/;+ (++ ######!)JR)JR)JR)JRΗ>SŖ_A>|],Q|g>JࡹxEQEQEQEQE攥)JR)JQdOGe/}>u>O>KӌȺ'|#|||,,,(_?x^5^ QbF3$ IFy | 2B!2 k#< ׄ!0B}B&!4>MUafQuჭnmD?x.a6Uyh' YVizWM$6?wUSeb 2#v-daqYAIcscz!Gi!rNڱE~~X';ݼmĝ\*7-`Ѝ.Qv]Q}u />= Mἒ{LzlR b ~8o<<}~ ZVI*3ˁ!#h!>Ҁ{iQc;|o4ve\=KYШJ$zs@;g fgމ3~! P!0@1AQ`a?B!:BG!9O1 A/eabB!6db25IBx&'H8*SBtOWrAyir`BKby0QEMQE_ 좊!JVQEQeG(舄)re++)J&Qc6^")JR)J^41˔MJR!Q1(!1AQaq 0?]{\^~,,Ӟ=Yv9-kzv:oۻߨgDtӵ龺mŝމ#է>KO2<0I%y#s?Y:6۷6mnmv؛qwŷ.7zoM.\7;6y׉"A[?~xz e3`-ݷma7hņ޻ln;[wn/7:woݶnk?Q|/~3,eY?ȗy-miux[ly?mB<[żn-S~//ճįWiOx3K;%nY*I,-t?؄9D. }t=M~ky-z;OA|I#ԇşV}X|Hb_t <\ EO'S^|IegF}Ȟx{([/UwGgSmmmL9]HyZKd AC[x-< й\G0_ |`~=(vxx/[kտVZkղߩu^p%g]Λg:ˏC];ٓ4N-z Ajsq݉y|H|V݈ ŇşV}H}_ Ә|/ԿRW$Jn?Ŝ""Ddc}Jx~܀/w/&>؆y[_*?h?=ŏN=_> `cҾ=WՖ9,G=O~3/::qaabǫ>_|ƾ+:o#/_>:/|i|+X_ Wƾ5/| _W_ؾ O͙31|H|B!e&ԟ',ueɂ:emNb!5[YdwfL.19G6t113Z $#zeJYjh*c/{ģKD="@.푠fJ]%BkaI eN"bPpl8vIC ಝxtA42Y12{[w#y#p,EeA",Y$,c ْc0l'Lťߤ#0vF # L+(8Ĕ竖q7aY'6-w#ˑܞ,K! ob\sKY_;O6Kz< 2g۝Ah$"RܖE0a Ø-qgԉUe;lyqa!/%Wlv8ġqQ. ;~ Cʕ,Gl=iDqt ̰@8:dAÐ [`{fPV@fdġ|ǚ\qN7m82Gxnro$I6IDmQ.:I$ZԔIǢv@<9#l.cbv -\G p=mXߩw ɞ#~7En82Fl&2^  +xE|s"#2 2 n"Z$S'͎b׫p:i'c9ܼL;E9Ceog2[CMKoulY0(<^N Ksn@vHL0&z r#]0hV<ܹN {􎽥s×hЏk C{NܒH!4wlrs/n)rwKcNp3n|>4w,QC&cFt|N0&!N8?;yǛDy2986Y'yw%e^eNa2ɉHxsl܏n5I~!Ml+ho{|hGr }t_Yjlp;aE1r(7Y5vN ܎l܂t&eXas'_P- n4ۖ. _&0IG۰Oňi8vD˂g4tр ;89,v"D? '6&+Y0bPi{>"(S\ZAy3N=.s\Ȼ3q2~'I سspQ/9cBe w Zu^&d\'",_}OH.H} *~[ڛ~=6!hA9%Agq9`xryw2v\|]JwǪ͟%F5BLM>bj<;aC, ~I ^GkK\jpЁv`x`sYs=cǹ!>o `}ʋPc儘=ƶ[h;-~,Hc}v;b2t|1WNOcq8:'!$\lu2y/ 6areΩ'#Ą4>! AI'5\` o"?zw#lP ͖Dns6Z͟TӴ9'ޙ$Yٕڜ̓=r!}lM*Rw2wwG# p?$]r 3W3an|ḰC.*F+#OČ^?gL}qFId?TɝF7>Ng"sם[;vǁ֏roic|Ƿ.#=q@!Urq0R%=ÄK7 b-<d/p?' ~ ۇ v Rbo'9l,.+:ѶC<݋oͶvoMm,Їr` fqفd՟8'(pa`܏7bI9'in"?tVOr,no`62ŋr݀ddbpxnh:< {?-ЖFb4!e8vad_L\1ss!йc u.-|vW6ܽ᧘xcGӞro23'(rFs9nca4ͫ|On/K'q& lɉnyWf\'D .A_|+87~kd{j.=Y8vE!/yq~<~~<>a|!|%/l_#ԅGZum6m-lmնYzX??A:?8^Pyk OD485o{=/A?oܟ>?r߻%}ޓG܏>|!|vKo%x[,,{gvmg˩oS׻~K/-G /0x}xJ{ao }}Co| _KOvٛm2䲇 mmmmk׻~Fڍ;<<]0 p?~dd+M~4+ݏ_?s<~x;~x} ppgܿ76m-mmmm[^mKo|{V~P^p?$}}7Yז}/ͬ-@O|/@6z6mmmmmmm--߆߸7ʳuWk_$<2^/ߩ~~zݻv (FڵOmoSm8X kqoS տRKCG߫~C^^(xnn3EOC|W|L$|HxoouV<z,z)GA`!ksG0w @z1C7bN,OBNLza? Ws^zez%C|S;ϢCR=Yc=X;H,>'|}EzV=@@ ^Ӽ\ |KxԓŏV=\$> aǫ)_O|_'-O}DLK oz>GEp tS?Hq"l.$$̋ńńƹ踳oB"&>=Xܑ'ԟP,='$a"LtpM`g (2 "/7dLJUN`1ivt$~8s$$"nke7>eFL'B Gϛ9Ǟ:Yd<7y$m d:w#.H˖2 endstream endobj 15 0 obj << /Type /XObject /Subtype /Image /Width 550 /Height 140 /Filter /FlateDecode /DecodeParms << /Predictor 15 /Colors 1 /Columns 550 /BitsPerComponent 8>> /ColorSpace /DeviceGray /BitsPerComponent 8 /Length 5329>> stream xqDǯ뺒$ILfff&I335Lf2\3I2L&_3$3I$d+$\W=9y9lLss99P`0 `0 `0 `0 !U_:~u = F~sZŻدns⃪Qg¢G(F[-s͓^ DZ>d>3Dr#\OΉ, ZFwjux<;4Ƀxز#_v?nO<|{7c(b{Oū}w[N e~Hs䎷wwOn<1B.k+%U=eԘ -mCj)t:}c'ϓ*n"-ovkZ?R"V%wʶ7s]eX&eǕq` 1-2e JYHCFOUam 7:(Ԙt_@ހN t{B~ :V@}o#7!z^&zFL:ʤn X<- %"bNWqF c` M'4?cH-V`ǵAF>=#Ěm75dB I&7E5<>-͏їFǿl3M6x]Y&)2 FoΌ N.<t i4wL\^=_|Fo؏IȄ ik$ɄL?{?|tmCޮ=~T&iTevϷ'奔s?EꋄLPY͹箵?@L:Aˤ3y_:9AtA*0qVe- e6g)%a}.qKcI V/xʤzM|\ HSql0;*%+Mذ-闛obebu2iU&lLbtIcxb5^B#8 ޮaʻ _ w>j+L:$"&O;bZ K1 jmU玫ݢ=S/J<WO2'_yUPvp=`"aL5 Nl7"rlQT޼==-I[Se* F'(\`󴯉'{:נnVZ TG6*r$Tyx^LJū.C<3` %ANrxUo"˄ 0&$tO F&bIcW3GG͈ y!{m,LkCI d,(2"@ dR%F1thUL8Rݒ^+v9^?sʯYעDl~Qd" N2sc|ov}=F,3K#vxIvG^,[OM&wI[#,Jޙ\ض;L^fv[LbyYvM#/EI#/Zס$(ڼ ," &LK/IF i-Zx彰픢]MKeR n(PhV'LҸ\f$w/ e]"mɷWO߻˱ KerSPe (ӼGMȈ}X?ʍto7ZKl+81_Y&ǡd uʤ1Vw!sQ"/$zNkw(t)2BWQW"˄OXLp:e‡# וzn2F}qlc5ؾ:WH xLz LP:d# Q>(MRېd2Qt$o~R$YR5,-nޜLr_βehd" 2k1lvO X= eC p+[R=jU!֖}_DޟY2 (*wkZQ>Fl̲soR#^u3hhyTԲt.LtD8sk4z4Rbl@zp4hy0Tn\=.fnő Y/:TC9<@fSI$:QR/bq7DfR/ֻn)Vqd"䳽˄GL;ϝRG顼n&%Sv eFv,L"t}I&N> D73]$e)( ;]XhL`kSzJlcC$<)깍h}dr,1ܝRM뭍eMa $?e3f8΍҈&P(x+JU5{I 3 M- ;7|#G9 !\œ&=xp2,L{-`?OW":4uܚEadv ~9q.VdV%UT@73$@W¯B!ݒaVLH:!opr;gAɀiήpfߙR E/IDO*Luf0}{7mfyDxT.g)w5RvHx#Z]&M$ gZUTt+lZqZ_;a&JaG,-JLJDFIcV|:I3nB&;N0Lna=Y_Gl,p5,,kc EKgd;2vt7selT9˸sX޲.6r<1!| L0lTMS1?Xsf cq )KSgBB&׭x. v c@^Yk΀v],E[ɾ QhYyXXC2)g/J@su1ScL, ?C[{V2i͛!סӠ&> 6lu>4Ƕʤ|=12鱧l{^:a/Y%~].26G: p^CZ V&Vedҟ?RrX7d#I]ՕuL1 ?_ /12IEh ̴b<ӯ^e _ϝ䰻^]vy> /ColorSpace /DeviceRGB /BitsPerComponent 8 /Length 873>> stream x1j08-K/)],) &gi+:U̲\"9H!@"9H!@"9H!@eY.Z[p_E{QHKV[/`j%ʒcP,SX4W{7urd5ɱPr:-ֆʇX$$zfZpClbw7z{[]qGlwlGlZiM,ߺ7x}w` L9=3zpWL9 j)ۓB$ DrB$ DrB$ DrB$ DrB$ DrB$ DrB$ DrB$e]k` B$ DrB$ DrB$ DrB$/؋ endstream endobj 17 0 obj << /Type /ExtGState /BM /Normal /CA 0.3 >> endobj 18 0 obj << /Type /ExtGState /BM /Normal /ca 0.3 >> endobj 19 0 obj << /Type /Page /MediaBox [0.000 0.000 612.000 792.000] /Parent 3 0 R /Contents 20 0 R >> endobj 20 0 obj << /Filter /FlateDecode /Length 794 >> stream xUn0+J!䶫mT]݃Јw iD%my<,wO!fcdG], dC&+0(awyUAiJe:{9佮d1N*$ kTR T57* v׿`w8e$5# @Β=&a? spR%3z0G;! D:n+&#{*@L~=|AJ9I/Jd/^K8u* RSermF8ˡ ߁7]aAz3h =kCVVhokYvTe $~r)4JUe֖ 9P2+7+S3$UE޳ !5TT谀 1KW$]f*Gku %|W΍e Z!#ըkOX$pY쁛.A΍ű'[k$k8TL> endobj 22 0 obj << /Type /ExtGState /BM /Normal /ca 1 >> endobj 23 0 obj << /Type /XObject /Subtype /Image /Width 550 /Height 140 /Filter /FlateDecode /DecodeParms << /Predictor 15 /Colors 1 /Columns 550 /BitsPerComponent 8>> /ColorSpace /DeviceGray /BitsPerComponent 8 /Length 5329>> stream xqDǯ뺒$ILfff&I335Lf2\3I2L&_3$3I$d+$\W=9y9lLss99P`0 `0 `0 `0 !U_:~u = F~sZŻدns⃪Qg¢G(F[-s͓^ DZ>d>3Dr#\OΉ, ZFwjux<;4Ƀxز#_v?nO<|{7c(b{Oū}w[N e~Hs䎷wwOn<1B.k+%U=eԘ -mCj)t:}c'ϓ*n"-ovkZ?R"V%wʶ7s]eX&eǕq` 1-2e JYHCFOUam 7:(Ԙt_@ހN t{B~ :V@}o#7!z^&zFL:ʤn X<- %"bNWqF c` M'4?cH-V`ǵAF>=#Ěm75dB I&7E5<>-͏їFǿl3M6x]Y&)2 FoΌ N.<t i4wL\^=_|Fo؏IȄ ik$ɄL?{?|tmCޮ=~T&iTevϷ'奔s?EꋄLPY͹箵?@L:Aˤ3y_:9AtA*0qVe- e6g)%a}.qKcI V/xʤzM|\ HSql0;*%+Mذ-闛obebu2iU&lLbtIcxb5^B#8 ޮaʻ _ w>j+L:$"&O;bZ K1 jmU玫ݢ=S/J<WO2'_yUPvp=`"aL5 Nl7"rlQT޼==-I[Se* F'(\`󴯉'{:נnVZ TG6*r$Tyx^LJū.C<3` %ANrxUo"˄ 0&$tO F&bIcW3GG͈ y!{m,LkCI d,(2"@ dR%F1thUL8Rݒ^+v9^?sʯYעDl~Qd" N2sc|ov}=F,3K#vxIvG^,[OM&wI[#,Jޙ\ض;L^fv[LbyYvM#/EI#/Zס$(ڼ ," &LK/IF i-Zx彰픢]MKeR n(PhV'LҸ\f$w/ e]"mɷWO߻˱ KerSPe (ӼGMȈ}X?ʍto7ZKl+81_Y&ǡd uʤ1Vw!sQ"/$zNkw(t)2BWQW"˄OXLp:e‡# וzn2F}qlc5ؾ:WH xLz LP:d# Q>(MRېd2Qt$o~R$YR5,-nޜLr_βehd" 2k1lvO X= eC p+[R=jU!֖}_DޟY2 (*wkZQ>Fl̲soR#^u3hhyTԲt.LtD8sk4z4Rbl@zp4hy0Tn\=.fnő Y/:TC9<@fSI$:QR/bq7DfR/ֻn)Vqd"䳽˄GL;ϝRG顼n&%Sv eFv,L"t}I&N> D73]$e)( ;]XhL`kSzJlcC$<)깍h}dr,1ܝRM뭍eMa $?e3f8΍҈&P(x+JU5{I 3 M- ;7|#G9 !\œ&=xp2,L{-`?OW":4uܚEadv ~9q.VdV%UT@73$@W¯B!ݒaVLH:!opr;gAɀiήpfߙR E/IDO*Luf0}{7mfyDxT.g)w5RvHx#Z]&M$ gZUTt+lZqZ_;a&JaG,-JLJDFIcV|:I3nB&;N0Lna=Y_Gl,p5,,kc EKgd;2vt7selT9˸sX޲.6r<1!| L0lTMS1?Xsf cq )KSgBB&׭x. v c@^Yk΀v],E[ɾ QhYyXXC2)g/J@su1ScL, ?C[{V2i͛!סӠ&> 6lu>4Ƕʤ|=12鱧l{^:a/Y%~].26G: p^CZ V&Vedҟ?RrX7d#I]ՕuL1 ?_ /12IEh ̴b<ӯ^e _ϝ䰻^]vy> /ColorSpace /DeviceRGB /BitsPerComponent 8 /Length 873>> stream x1j08-K/)],) &gi+:U̲\"9H!@"9H!@"9H!@eY.Z[p_E{QHKV[/`j%ʒcP,SX4W{7urd5ɱPr:-ֆʇX$$zfZpClbw7z{[]qGlwlGlZiM,ߺ7x}w` L9=3zpWL9 j)ۓB$ DrB$ DrB$ DrB$ DrB$ DrB$ DrB$ DrB$e]k` B$ DrB$ DrB$ DrB$/؋ endstream endobj xref 0 25 0000000000 65535 f 0000000009 00000 n 0000000074 00000 n 0000000120 00000 n 0000000461 00000 n 0000000498 00000 n 0000000647 00000 n 0000000750 00000 n 0000002693 00000 n 0000002800 00000 n 0000002908 00000 n 0000003018 00000 n 0000003131 00000 n 0000003247 00000 n 0000003276 00000 n 0000025306 00000 n 0000030881 00000 n 0000032012 00000 n 0000032071 00000 n 0000032130 00000 n 0000032235 00000 n 0000033102 00000 n 0000033159 00000 n 0000033216 00000 n 0000038791 00000 n trailer << /Size 25 /Root 1 0 R /Info 5 0 R /ID[<7f6857aead7df7e73b806ececc4fdc32><7f6857aead7df7e73b806ececc4fdc32>] >> startxref 39922 %%EOF The Bible, debt and saving | Caring Magazine

Vol. #28

Grace Uncovered

Read Issue

Latest Impact StoriesView All

Popular Topics

PopularView All

The Bible, debt and saving

December 28, 2015
3 minute read
Total
0
Shares
0
0
0
Listen to this article

Ray Louth regularly visits eight adult rehabilitation centers (ARC) across Southern California, teaching the biblical principles of personal finance to participants of The Salvation Army’s cost-free, biblically based six-month program to overcome addiction. Here he shares more about these principles.  

By Ray Louth –

Most Christians mistakenly think that the only thing the Bible has to say about money is that we should give 10 percent of our income to the church in a tithe. While this is true, there are actually 2,350 Bible verses that deal with the handling of money and material things. God is probably giving us guidance because he knows we can really make a mess of our finances if left on our own.

We first need to understand that God owns everything, including any money that we have. “The silver is mine and the gold is mine,” declares the Lord Almighty (Hag. 2:8). God also commands us to be good stewards or managers of what he has entrusted to us: it is required that those who have been given a trust must prove faithful (1 Cor. 4:2).

We can make our lives difficult by not following God’s Word, by going into debt and not saving enough. A 2010 Associated Press poll showed that 46 percent of those surveyed said they were suffering from debt-related stress and half of that group said their stress occurred a “great deal” or “quite a bit.”

The rich rule over the poor and the borrower is servant to the lender (Prov. 22:7).

You were bought at a price; do not become slaves of human beings (1 Cor. 7:23).

We can see from these two passages that God views going into debt as a form of bondage. God wants us to be free to serve him, not a lender.

He also warns us of going into debt and not repaying the lender. It states in Psalm 37:21: The wicked borrow and do not repay but the righteous give generously. I think it is clear that the best way to not be in danger of defaulting on a loan is not to go into debt in the first place.

The opposite of going into debt is saving and the Bible gives us instructions on this also.

Let Pharaoh appoint commissioners over the land to take a fifth of the harvest during seven years of abundance. They should collect all of the food of these good years that are coming and store up the grain under the authority of Pharaoh, to be kept in the cities for food. This food should be held in reserve for the country, to be used during the seven years of famine that will come upon Egypt, so that the country may not be ruined by the famine (Gen. 41:34-36).

Anyone who has lost a job or a business owner who has had a downturn in the business can see the wisdom of this verse.

For those of us who do receive a regular paycheck, Proverbs 21:20 says: In the house of the wise are stores of choice food and oil, but a foolish man devours all he has. Further, if you get paid on Friday and you are broke on Monday this is not how God wants you to live.

Lastly, in regards to how we handle our finances, I think of Jeremiah 29:11 to guide me: “For I know the plans I have for you,” declares the Lord, “Plans to prosper you and not harm you, plans to give hope and a future.”

Save for your future.

Download this page as a PDF

You May Also Like