Running out of your prescription medication can be frustrating, especially if you weren't expecting a delay. Sometimes, the problem is as simple as needing a new prescription. Other times, insurance requirements, refill timing, or pharmacy issues can slow things down.
kAm|2?J AC6D4C:AE:@? C67:== 56=2JD 42? 36 2G@:565 @C C6D@=G65 H:E9 2 76H D:>A=6 DE6AD] q6=@H[ k2 9C67lQ9EEADi^^HHH]8@@5CI]4@>Qmv@@5#Ik^2m[ 2 A=2E7@C> 7@C >65:42E:@? D2G:?8D[ 4@G6CD 9@H E@ C67:== J@FC AC6D4C:AE:@?[ 2=@?8 H:E9 `_ 4@>>@? C67:== C@253=@4<D 2?5 H92E J@F 42? 5@ E@ 86E J@FC AC6D4C:AE:@? 2446DD 324< @? EC24<]k^Am
k9bmz6J E2<62H2JDik^9bm
kF=mk=: 52E2\=:DE\:E6>\:5lQ6ha_ef4hacag553ae224d5d372af4a7_6Qm%96C6 2C6 D6G6C2= H2JD E@ C67:== 2 AC6D4C:AE:@?] *@F 42? DE2CE 2 C67:== E9C@F89 E96 A92C>24J H63D:E6 @C 2AA[ :?\A6CD@? 2E E96 A92C>24J 4@F?E6C[ @C @G6C E96 A9@?6 H:E9 2? 2FE@>2E65 DJDE6>] k^=:mk=: 52E2\=:DE\:E6>\:5lQ6f2ab724ehe5_6b3`7a2abe_dgh`db6caQm!C6D4C:AE:@? C67:== 56=2JD 42? 92AA6? 7@C >2?J C62D@?D[ DF49 2D :?DFC2?46 =:>:ED[ >65:42E:@? DFAA=J :DDF6D[ @C :>A@CE2?E D276EJ 4964<D] *@FC A92C>24:DE 42? 96=A :56?E:7J E96 AC@3=6> 2?5 6IA=2:? H92E E@ 5@ ?6IE] k^=:mk=: 52E2\=:DE\:E6>\:5lQ6a67777dbhg2gdgd3ec547cad`cda6dggQmx7 :?DFC2?46 :D 56=2J:?8 J@FC C67:==[ 4964< E@ D66 :7 A2J:?8 @FE @7 A@4<6E :D 2? 277@C523=6 @AE:@? 7@C J@F]k^=:mk=: 52E2\=:DE\:E6>\:5lQ664c4`gd7be53725_2_`b32gbd`72754`Qm!=2??:?8 29625 3J 4964<:?8 H:E9 J@FC :?DFC2?46 A=2? 2?5 E2=<:?8 H:E9 J@FC 962=E942C6 E62> 42? 96=A J@F 86E J@FC AC6D4C:AE:@? C67:== @? E:>6] k^=:mk^F=m
k9bmw@H E@ DE2CE 2 AC6D4C:AE:@? C67:==k^9bm
kAm$E2CE:?8 2 AC6D4C:AE:@? C67:== :D 62D:6C E92? J@F >2J E9:?<] %96C6 2C6 EJA:42==J D6G6C2= @AE:@?D E@ 49@@D6 7C@>[ :?4=F5:?8i k^Am
kF=mk=: 52E2\=:DE\:E6>\:5lQ6fc4fa25h_7ddhac53hh7g324ad63df`5QmkDEC@?8mx?\A6CD@? C6BF6DEik^DEC@?8m v@ E@ E96 A92C>24J 4@F?E6C E@ 2D< 7@C 2 C67:==] x? 86?6C2=[ J@F H:== ?665 J@FC ?2>6[ 52E6 @7 3:CE9[ 2?5 ?2>6 @7 E96 AC6D4C:AE:@? J@F H2?E E@ C67:==] %@ >2<6 :E 6G6? 62D:6C[ J@F 42? 2=D@ 3C:?8 2? @=5 AC6D4C:AE:@? =236= 7@C C676C6?46] k^=:mk=: 52E2\=:DE\:E6>\:5lQ6fb_43h3d24gg`dcd57cd_gf746h77753QmkDEC@?8m!92C>24J H63D:E6 @C 2AAik^DEC@?8m {@8 :?E@ J@FC 244@F?E @? J@FC A92C>24J’D H63D:E6 @C >@3:=6 2AA[ :7 2G2:=23=6] u:?5 E96 AC6D4C:AE:@? J@F ?665[ E96? =@@< 7@C 2 3FEE@? E92E =:<6=J D2JD “C67:==[” “@C56C 2 C67:==[” @C “C6BF6DE 2 C67:==]” k^=:mk=: 52E2\=:DE\:E6>\:5lQ6h3ff6_c3a526`_bhfh6g_74c537c2e_cQmkDEC@?8m!92C>24J A9@?6ik^DEC@?8m r2== E96 A92C>24J 5:C64E=J] *@F 42? 7:?5 E96 A9@?6 ?F>36C @? J@FC AC6D4C:AE:@? =236= @C 3J D62C49:?8 @?=:?6] x? >@DE 42D6D[ J@F 42? C6BF6DE 2 C67:== E9C@F89 2? 2FE@>2E65 DJDE6> @C 3J DA62<:?8 5:C64E=J H:E9 2 A92C>24J E62> >6>36C] q6 DFC6 E@ 92G6 J@FC AC6D4C:AE:@? ?F>36C C625J[ D:?46 E96J H:== AC@323=J 2D< 7@C :E] *@F 42? 7:?5 E9:D ?F>36C @? E96 AC6D4C:AE:@? =236=] k^=:mk^F=m
kAmtG6? E9@F89 E96C6 2C6 >2?J H2JD E@ DE2CE 2 AC6D4C:AE:@? C67:==[ :E 5@6D?’E 2=H2JD >62? E96 C67:== H:== 8@ E9C@F89] r@?E:?F6 C625:?8 36=@H 7@C 4@>>@? :DDF6D E92E 42? 92AA6? 27E6C J@F DE2CE 2 AC6D4C:AE:@? C67:==]k^Am
k9bm`] *@F’C6 @FE @7 C67:==Dk^9bm
kAmx7 J@F’C6 @FE @7 C67:==D[ 2D< J@FC A92C>24:DE :7 E96J 42? D6?5 2 C67:== C6BF6DE E@ J@FC AC6D4C:36C @? J@FC 3692=7] *@F 42? 2=D@ 42== J@FC AC6D4C:36C’D @77:46 @C DF3>:E 2 C67:== C6BF6DE E9C@F89 J@FC A2E:6?E A@CE2= :7 J@F 92G6 @?6] q6 DFC6 E@ =6E J@FC AC6D4C:36C <?@H H9:49 A92C>24J J@F’5 =:<6 E@ FD6]k^Am
kAmkDEC@?8m(92E :7 J@F’C6 @FE @7 >65:42E:@? 2?5 J@FC AC6D4C:36C :D?’E 2G2:=23=6nk^DEC@?8mk^Am
kAm#F??:?8 @FE @7 >65:42E:@? H96? J@FC AC6D4C:36C’D @77:46 :D 4=@D65 42? 36 EC:4<J] *@FC A92C>24:DE >2J D6?5 2 C67:== C6BF6DE[ 3FE J@FC AC6D4C:36C >2J ?@E D66 @C C6DA@?5 E@ :E F?E:= E96JVC6 324< :? E96 @77:46]k^Am
kAmx7 J@F 42?’E H2:E F?E:= E96 ?6IE 3FD:?6DD 52J[ J@FC A92C>24:DE >2J 4964< H96E96C J@FC AC6D4C:36C’D @77:46 92D 2? 27E6C\9@FCD ?F>36C @C 2? @?\42== 962=E942C6 AC@76DD:@?2= H9@ 42? 96=A] x? D@>6 42D6D[ E96 @?\42== 962=E942C6 AC@76DD:@?2= >2J 2D< J@F E@ 42== E96> 5:C64E=J :?DE625 @7 E96 A92C>24:DE]k^Am
kAmx7 J@F’C6 4@>A=6E6=J @FE @7 J@FC >65:42E:@? 2?5 42?’E C6249 J@FC AC6D4C:36C[ 2D< J@FC A92C>24:DE H92E J@F D9@F=5 5@] $@>6E:>6D[ J@FC A92C>24:DE 42? =@2? J@F >65:42E:@? F?E:= J@FC AC6D4C:36C C6DA@?5D — 6DA64:2==J :7 >:DD:?8 2 5@D6 @7 J@FC >65:42E:@? 4@F=5 AFE J@FC 962=E9 2E C:D<] %9:D =@2? :D EJA:42==J 2 D9@CE DFAA=J @7 >65:42E:@?] (92E E96 A92C>24:DE 42? AC@G:56 56A6?5D @? E96 >65:42E:@? 2?5 J@FC DE2E6’D A92C>24J =2HD] (96? J@FC AC6D4C:AE:@? 42? 36 7:==65 282:?[ E96 A92C>24J >2J 8:G6 J@F 2 D>2==6C 2>@F?E E@ 244@F?E 7@C E96 >65:42E:@? J@F C646:G65 62C=J]k^Am
kAm*@F 42? 2=D@ FD6 2 E6=6962=E9 D6CG:46 @C G:D:E 2 H2=<\:? 4=:?:4 E@ C6BF6DE 2 @?6\E:>6 AC6D4C:AE:@? 7@C 46CE2:? >2:?E6?2?46 >65:42E:@?D] q6 DFC6 E@ 3C:?8 J@FC 6>AEJ 3@EE=6 @C E96 ?2>6 2?5 5@D6 @7 E96 >65:42E:@? H:E9 J@F 7@C C676C6?46] k^Am
k9bma] *@F’C6 8@:?8 @? G242E:@? 2?5 ?665 2? 62C=J C67:==k^9bm
kAmx7 J@F’C6 8@:?8 @? G242E:@?[ J@F >2J ?665 E@ C67:== J@FC AC6D4C:AE:@? 367@C6 :E’D 5F6] $@>6 :?DFC2?46 A=2?D 2==@H 7@C 2 G242E:@? @G6CC:56] p G242E:@? @G6CC:56 =6ED E96 A92C>24J 7:== 2 AC6D4C:AE:@? 62C=J D:?46 J@F’== 36 EC2G6=:?8 H96? J@FC ?6IE C67:== :D 5F6]k^Am
kAm(96E96C 2? @G6CC:56 :D 2G2:=23=6 56A6?5D @? J@FC A=2? 2?5 E96 >65:42E:@?] *@FC :?DFC2?46 >2J 2=D@ =:>:E 9@H @7E6? J@F 42? FD6 2 G242E:@? @G6CC:56[ DF49 2D @?=J 2==@H:?8 EH@ @G6CC:56D A6C J62C] x7 E96 G242E:@? @G6CC:56 5@6D?’E 8@ E9C@F89[ J@F >2J ?665 E@ 4@?E24E J@FC :?DFC2?46 E@ D66 H92E J@FC @AE:@?D 2C6]k^Am
kAmx7 J@F’== 36 2H2J 7@C 2? 6IE6?565 A6C:@5 @7 E:>6[ 2D< H96E96C J@FC A=2? 4@G6CD 2 =2C86C DFAA=J] x? D@>6 42D6D[ J@FC A92C>24:DE >2J ?665 E@ AC@46DD >F=E:A=6 C67:==D E@ AC@G:56 6?@F89 >65:42E:@? 7@C J@FC EC:A] *@FC A=2? >2J 2=D@ C6BF:C6 J@F E@ FD6 2 AC676CC65 A92C>24J 7@C 2 =2C86C DFAA=J]k^Am
kAm{6E J@FC A92C>24:DE <?@H 23@FE J@FC EC2G6= A=2?D 2D 62C=J 2D A@DD:3=6] %96J’== =6E J@F <?@H H92E CF=6D >2J 2AA=J E@ J@FC AC6D4C:AE:@? 2?5 H92E J@F 42? 5@ E@ >2<6 DFC6 J@F 92G6 6?@F89 >65:42E:@? 7@C J@FC EC:A]k^Am
kAmkDEC@?8mz66A :? >:?5k^DEC@?8mi u:==:?8 =2C86 BF2?E:E:6D 2E 2 D:?8=6 E:>6 :D FDF2==J ?@E 2? @AE:@? 7@C 4@?EC@==65 DF3DE2?46D] %96 CF=6D 7@C E96D6 AC6D4C:AE:@?D 2C6 >F49 DEC:4E6C[ 2?5 A92C>24:DED @7E6? 42?’E =682==J 5:DA6?D6 >@C6 E92? 2 46CE2:? 2>@F?E @7 >65:42E:@? 2E @?6 E:>6] x7 J@F E2<6 2 4@?EC@==65 DF3DE2?46[ 5:D4FDD J@FC @AE:@?D 7@C A=2??:?8 2 G242E:@? DFAA=J H:E9 J@FC AC6D4C:36C 2?5 A92C>24:DE] k^Am
k9bmb] x?DFC2?46 H@?’E 4@G6C J@FC AC6D4C:AE:@?k^9bm
kAm*@FC :?DFC2?46 >2J 4@G6C J@FC 7:CDE AC6D4C:AE:@? 7:==[ 3FE J@F 4@F=5 CF? :?E@ 4@G6C286 :DDF6D H96? :E’D E:>6 7@C 2 C67:==] %9:D 42? 92AA6? 7@C D6G6C2= C62D@?D[ DF49 2D :7 J@F 492?86 :?DFC2?46 A=2?D @C J@FC 4@G6C286 492?86D 2E E96 DE2CE @7 2 ?6H 6?C@==>6?E J62C]k^Am
kAmw6C6 2C6 4@>>@? C62D@?D J@FC :?DFC2?46 >2J ?@E 4@G6C 2 AC6D4C:AE:@? C67:== 2?5 E:AD @? 9@H E@ 7:I 6249 :DDF6]k^Am
k7:8FC6mk:>8 DC4lQ9EEADi^^:>286D]DE24<6C]4@>^H^`ag_^:>286D^DE@C:6D^a_ae^`_^ab^v@@5#I\#I\C67:==]A?8Q 2=ElQp E23=6 =:DE:?8 E96 4@>>@? C62D@?D 2? :?DFC2?46 >2J ?@E 4@G6C 2 AC6D4C:AE:@? C67:==[ :?4=F5:?8 E:AD @? 9@H E@ 7:I 6249 :DDF6]Q DEJ=6lQH:5E9i `__TQ ^mk7:842AE:@?mv@@5#Ik^7:842AE:@?mk^7:8FC6m
kAmx7 :?DFC2?46 :D ?@E 2? @AE:@?[ J@F 42? D66 :7 5:D4@F?ED 42? >2<6 E96 >65:42E:@? >@C6 277@C523=6] x? >2?J 42D6D[ E9:D H:== 2==@H J@F E@ 86E J@FC AC6D4C:AE:@? 2E 2 =@H6C 4@DE — H:E9@FE 92G:?8 E@ 86E 2AAC@G2= 7C@> J@FC :?DFC2?46]k^Am
kAmp?@E96C k2 9C67lQ9EEADi^^HHH]8@@5CI]4@>^5CF8D^D2G:?8D^9@H\42?\:\86E\96=A\A2J:?8\7@C\>J\>65:42E:@?DQmH2J E@ D2G6k^2m :D 3J 2AA=J:?8 7@C 2 k2 9C67lQ9EEADi^^HHH]8@@5CI]4@>^962=E942C6\2446DD^A2E:6?E\25G@424J^H92E\2C6\A2E:6?E\2DD:DE2?46\AC@8C2>DQmA2E:6?E 2DD:DE2?46 AC@8C2>k^2m :7 @?6 :D 2G2:=23=6 2?5 J@F BF2=:7J] x7 :E’D 7:?2?4:2==J A@DD:3=6 7@C J@F[ E2=< E@ 2 A92C>24:DE 23@FE A2J:?8 @FE @7 A@4<6E D@ E96C6’D ?@ 56=2J :? DE2CE:?8 J@FC >65:42E:@?]k^Am
k9bmc] xE’D E@@ D@@? E@ 7:== J@FC AC6D4C:AE:@?k^9bm
kAmx?DFC2?46 4@>A2?:6D @7E6? =:>:E 9@H D@@? E96J H:== A2J 7@C 2 C67:== 32D65 @? E96 2>@F?E @7 >65:42E:@? J@F =2DE 7:==65 2?5 E96 5:C64E:@?D 7@C E2<:?8 :E] %9:D >62?D J@FC C67:== >2J ?@E 36 4@G6C65 F?E:= J@F’C6 H:E9:? D6G6? E@ `_ 52JD @C D@ @7 CF??:?8 @FE] %96 6I24E E:>:?8 56A6?5D @? J@FC :?DFC2?46 A=2? 2?5 E96 >65:42E:@?]k^Am
kAmx7 J@F’C6 2=C625J @FE @7 >65:42E:@? 3FE J@FC :?DFC2?46 D2JD :E’D E@@ D@@? 7@C 2 C67:==[ E96C6 2 76H E9:?8D J@F 42? 4964< 7@Ci k^Am
kF=mk=: 52E2\=:DE\:E6>\:5lQ64fh7h2d54gd6ff6g7cab`2777ag5aa26QmkDEC@?8mr92?86 :? 5@D286ik^DEC@?8m |2<6 DFC6 J@F’C6 E2<:?8 E96 D2>6 5@D6 2?5 ?F>36C @7 5@D6D A6C 52J E92E E96 A92C>24J 92D @? 7:=6] x7 J@FC AC6D4C:36C 492?865 J@FC 5@D286[ E96 A92C>24J >2J ?665 2? FA52E65 AC6D4C:AE:@?] ~?46 J@F 92G6 2? FA52E65 AC6D4C:AE:@?[ E96 A92C>24J 42? C6BF6DE 2? @G6CC:56 7C@> E96 :?DFC2?46] qFE E9:D 5@6D?VE 2=H2JD H@C<[ 2?5 C6DF=ED G2CJ 2>@?8 :?DFC2?46 A=2?D] k^=:mk=: 52E2\=:DE\:E6>\:5lQ64e_hb5`b6c2a2eac5263gf7b`3`5ea2`QmkDEC@?8mp?@E96C DFAA=Jik^DEC@?8m r964< H96E96C J@F 92G6 2?@E96C 3@EE=6 @C A24<286 :? 2?@E96C A=246 H96C6 J@F <66A >65:42E:@?D] pD< J@FC A92C>24:DE H96? J@FC =2DE 7:== H2D[ 9@H >F49 >65:42E:@? J@F D9@F=5 92G6 C646:G65[ 2?5 :7 D@>6@?6 6=D6 :? J@FC 9@FD69@=5 >2J 92G6 A:4<65 :E FA] %9:D 42? 96=A J@F 7:8FC6 @FE H96C6 J@FC AC6D4C:AE:@? H6?E] k^=:mk=: 52E2\=:DE\:E6>\:5lQ6hf5254_ab5b_d2bbgc35fa23e5gb__e`QmkDEC@?8mr964< 2?@E96C A92C>24Jik^DEC@?8m *@FC AC6D4C:AE:@? >2J 92G6 366? 7:==65 2E 2 5:776C6?E A92C>24J] *@FC :?DFC2?46 A=2? 42? AC@G:56 J@F H:E9 E9:D :?7@C>2E:@?] *@F 42? 2=D@ 4@?E24E J@FC AC6D4C:36C @C @E96C A92C>24:6D J@F FD6 E@ D66 :7 J@FC AC6D4C:AE:@? H2D 7:==65 6=D6H96C6] k^=:mk^F=m
kAmx7 :?DFC2?46 :D?’E 4@G6C:?8 J@FC AC6D4C:AE:@?[ 2D< J@FC A92C>24:DE 23@FE @E96C @AE:@?D] x7 :E’D H:E9:? J@FC 3F586E[ J@F >2J 36 23=6 E@ A2J @FE @7 A@4<6E 7@C 6?@F89 >65:42E:@? E@ =2DE F?E:= J@FC :?DFC2?46 H:== 4@G6C E96 ?6IE C67:==] x? E9:D 42D6[ 2 5:D4@F?E 42C5 42? 96=A C65F46 J@FC 4@DE]k^Am
kAmx7 J@F ?665 2? 62C=J C67:== 3642FD6 J@F’C6 EC2G6=:?8 @C J@FC >65:42E:@? :D =@DE[ J@F >2J 92G6 @E96C @AE:@?D] u:?5 @FE 9@H E@ 92?5=6 E96D6 D:EF2E:@?D =2E6C :? E9:D 2CE:4=6]k^Am
kAmkDEC@?8mz66A :? >:?5ik^DEC@?8m %9:D :?7@C>2E:@? 5@6D?’E 2AA=J E@ k2 9C67lQ9EEADi^^HHH]8@@5CI]4@>^5CF8D^>65:42E:@?\32D:4D^H92E\2C6\4@?EC@==65\DF3DE2?46DQm4@?EC@==65 DF3DE2?46Dk^2m W>65:42E:@?D E92E 42? 36 923:E\7@C>:?8X] %9@D6 AC6D4C:AE:@?D 92G6 >F49 DEC:4E6C CF=6D 2C@F?5 H96? J@F’C6 2==@H65 E@ 7:== E96>] %96 CF=6D 2E 6249 A92C>24J >2J 36 5:776C6?E[ D@ DA62< H:E9 J@FC A92C>24:DE E@ D66 9@H D@@? J@F 2C6 2==@H65 E@ 7:== 4@?EC@==65 AC6D4C:AE:@?D] k^Am
k9bmd] *@FC :?DFC2?46 92D 2 BF2?E:EJ =:>:Ek^9bm
kAmx?DFC2?46 4@>A2?:6D >2J =:>:E 9@H >F49 @7 2 >65:42E:@? E96J H:== 4@G6C[ 6G6? 36EH66? C67:==D] u@C 6I2>A=6[ D@>6 A=2?D >2J 4@G6C 2 h_\52J DFAA=J 2E 2?J A92C>24J 7@C J@FC 7:CDE 7:== 3FE =:>:E 7FEFC6 C67:==D E@ 2 b_\52J DFAA=J :7 J@FC AC6D4C:AE:@? :D 2E 2 ?@?AC676CC65 A92C>24J] x7 J@F H2?E E@ <66A 86EE:?8 2 =2C86C DFAA=J[ J@FC A=2? >2J C6BF:C6 J@F E@ FD6 2 AC676CC65 A92C>24J] x7 J@FC C67:== C6BF6DE :D 56?:65[ 2D< J@FC A92C>24:DE @C :?DFC2?46 4@>A2?J H92E J@FC A=2? 4@G6CD 2?5 H96E96C J@F ?665 E@ k2 9C67lQ9EEADi^^HHH]8@@5CI]4@>^5CF8D^>65:42E:@?\32D:4D^EC2?D76C\AC6D4C:AE:@?\E@\?6H\A92C>24JQmEC2?D76C J@FC AC6D4C:AE:@?k^2m E@ 2 AC676CC65 A92C>24J]k^Am
More from this section
kAm*@FC A=2? >2J 2=D@ =:>:E E96 ?F>36C @7 E23=6ED J@F 42? C67:== 6249 >@?E9 @C E96 2>@F?E @7 2 E@A:42= >65:42E:@?[ DF49 2D E96 EF36 @C 3@EE=6 D:K6] $@>6 >65:42E:@?D[ :?4=F5:?8 4@?EC@==65 DF3DE2?46D[ >2J 92G6 255:E:@?2= =:>:ED 7@C C67:==D] *@FC A92C>24:DE H:== =:<6=J =6E J@F <?@H H92E :D 4@G6C65[ 3FE J@F 42? 2=D@ 4964< H:E9 J@FC :?DFC2?46 3J 42==:?8 E96 ?F>36C @? E96 324< @7 J@FC :?DFC2?46 42C5 @C C6G:6H:?8 J@FC k2 9C67lQ9EEADi^^HHH]8@@5CI]4@>^:?DFC2?46^962=E9\:?DFC2?46^DF>>2CJ\@7\36?67:ED\2?5\4@G6C286QmDF>>2CJ @7 36?67:EDk^2m]k^Am
kAmx7 J@F 2C6 :? ?665 @7 2 =2C86C DFAA=J E92? J@FC :?DFC2?46 2==@HD[ J@F 92G6 2?@E96C @AE:@?] *@FC A92C>24:DE >2J 36 23=6 E@ DA=:E J@FC AC6D4C:AE:@? EH@ H2JDi @?6 A2CE @7 J@FC AC6D4C:AE:@? H:E9 :?DFC2?46 2?5 E96 @E96C A2CE 7@C E96 42D9 AC:46 W@C F?56C 2 5:D4@F?EX] z66A :? >:?5 E92E J@FC A92C>24J >2J ?@E 36 23=6 E@ 5@ E9:D 7@C 4@?EC@==65 AC6D4C:AE:@?D] pD< J@FC A92C>24:DE 23@FE J@FC @AE:@?D]k^Am
k9bme] *@FC AC6D4C:AE:@? :?E6C24ED H:E9 J@FC @E96C >65:42E:@?Dk^9bm
kAm$@>6E:>6D 2 A92C>24:DE >2J ?665 E@ 9@=5 J@FC C67:== 3642FD6 @7 2 k2 9C67lQ9EEADi^^HHH]8@@5CI]4@>^5CF8D^D276EJ^5CF8\:?E6C24E:@?DQmA@DD:3=6 :?E6C24E:@?k^2m] %9:D :D >@C6 =:<6=J E@ 4@>6 FA :7 2?J @7 J@FC @E96C >65:42E:@?D @C 5@D286D 92G6 492?865 D:?46 J@FC =2DE C67:==]k^Am
kAmr964<:?8 7@C :?E6C24E:@?D :D @?6 @7 E96 >@DE :>A@CE2?E D276EJ 4964<D 2 A92C>24:DE 5@6D H9:=6 7:==:?8 2 AC6D4C:AE:@?] $@>6 :?E6C24E:@?D 42? 42FD6 D6G6C6 D:56 67764ED @C =:76\E9C62E6?:?8 D:EF2E:@?D[ k2 9C67lQ9EEADi^^HHH]8@@5CI]4@>^962=E9\E@A:4^D6?:@C\962=E9^>65:42E:@?\4@?D:56C2E:@?D\7@C\6=56C=JQm6DA64:2==J 2D J@F 86E @=56Ck^2m] $@ :7 J@FC A92C>24:DE :D?’E 7:==:?8 2 AC6D4C:AE:@? 5F6 E@ 2 A@E6?E:2= :?E6C24E:@?[ :E’D =:<6=J D6C:@FD]k^Am
kAmx7 J@FC A92C>24:DE 7:?5D 2? :?E6C24E:@? C:D<[ E96J’== =:<6=J 4@?E24E J@FC AC6D4C:36C E@ >2<6 DFC6 :E’D D276 E@ 7:==] xE 2=D@ 96=AD E@ >2<6 DFC6 J@FC A92C>24:DE 92D 2? k2 9C67lQ9EEADi^^HHH]8@@5CI]4@>^5CF8D^>65:42E:@?\32D:4D^4C62E:?8\>65:42E:@?\=:DE\E:AD\6I2>A=6DQmFA\E@\52E6 =:DEk^2m @7 6G6CJE9:?8 J@F E2<6] q6 DFC6 E@ :?4=F56 J@FC AC6D4C:AE:@? >65:42E:@?D[ 5:6E2CJ DFAA=6>6?ED[ 2?5 @G6C\E96\4@F?E6C >65:42E:@?D] %9:D >2J 96=A J@FC A92C>24:DE 7:?5 @FE :7 E96C6 :D 2 C62= :?E6C24E:@? C:D<] u@C 6I2>A=6[ :7 J@F ?@ =@?86C E2<6 2 >65:42E:@? @C 2C6 @? 2 =@H6C 5@D6[ E96J >2J ?@E ?665 E@ DA62< H:E9 J@FC AC6D4C:36C]k^Am
kAm*@F 42? 2=D@ 4@?E24E J@FC 962=E942C6 E62> :7 E96 A92C>24J 92D 366? H2:E:?8 7@C 2 C6DA@?D6 2?5 J@F ?665 EC62E>6?E D@@?] {6E E96> <?@H E96 A92C>24J :D ECJ:?8 E@ C6249 E96>]k^Am
k9bmf] *@FC >65:42E:@? :D @? 324<@C56Ck^9bm
kAmx? D@>6 42D6D[ E96 >65:42E:@? J@F ?665 >:89E 36 @? k2 9C67lQ9EEADi^^HHH]8@@5CI]4@>^5CF8D^>65:42E:@?\32D:4D^H9J\5@\5CF8\D9@CE286D\92AA6?Qm324<@C56Ck^2m[ @C @FE @7 DE@4< 7@C 2 =@?8 E:>6] p 324<@C56C >62?D E96 >65:42E:@?’D >2?F724EFC6C :D?’E 23=6 E@ DFAA=J E96 >65:42E:@? E@ E96 A92C>24J] qFE 5:776C6?E A92C>24:6D FD6 5:776C6?E >65:42E:@? DFAA=:6CD] x7 J@FC FDF2= A92C>24J :D?’E 23=6 E@ @C56C :E 5F6 E@ 2 324<@C56C[ D66 :7 @E96C ?62C3J A92C>24:6D 92G6 :E 2G2:=23=6] x7 E96J 92G6 J@FC >65:42E:@? :? DE@4< 2?5 J@FC AC6D4C:AE:@? :D 6=:8:3=6[ J@F 42? k2 9C67lQ9EEADi^^HHH]8@@5CI]4@>^5CF8D^>65:42E:@?\32D:4D^EC2?D76C\AC6D4C:AE:@?\E@\?6H\A92C>24JRDE6A\`\\86E\:?\E@F49Qm2D< 7@C 2 AC6D4C:AE:@? EC2?D76Ck^2m]k^Am
kAmx7 2 >65:42E:@? :D @FE @7 DE@4< 3FE ?@E @? 324<@C56C[ 492?46D 2C6 E96 A92C>24J 42? 92G6 :E 2G2:=23=6 E96 7@==@H:?8 3FD:?6DD 52J] x? E96 >62?E:>6[ J@FC A92C>24:DE >2J 36 23=6 E@ AC@G:56 J@F H:E9 2 A2CE:2= AC6D4C:AE:@? W6]8][ 2 76H 52JD’ H@CE9X] %9:D 42? 96=A E:56 J@F @G6C F?E:= E96 7F== @C56C :D 2G2:=23=6] $@ 36 DFC6 E@ =6E E96> <?@H :7 J@F 5@?’E 92G6 6?@F89 >65:42E:@? @? 92?5 E@ =2DE F?E:= J@FC C67:== :D 2G2:=23=6]k^Am
kAmkDEC@?8mv@@5 E@ <?@Hik^DEC@?8m $@>6 324<@C56CD 42? =2DE 7@C H66<D E@ D6G6C2= J62CD] pD< J@FC A92C>24:DE :7 E96C6’D 2? 6IA64E65 E:>6 H96? J@FC >65:42E:@? H:== 36 324< :? DE@4<] x7 :E’D 2 =@?8 E:>6 @C F?<?@H?[ 4@?D:56C DA62<:?8 H:E9 J@FC 962=E942C6 E62> E@ D66 :7 E96C6 :D 2? 2=E6C?2E:G6 EC62E>6?E J@F 42? ECJ :? E96 >62?E:>6] k^Am
k9bmg] *@FC >65:42E:@? H2D 5:D4@?E:?F65k^9bm
kAm|65:42E:@?D >2J 36 5:D4@?E:?F65 7@C 5:776C6?E C62D@?D[ :?4=F5:?8i k^Am
kF=mk=: 52E2\=:DE\:E6>\:5lQ6aabb7db63b5gd74bhfdf7g43fbd`cc`_QmkDEC@?8m$276EJ 4@?46C?Dik^DEC@?8m |65:42E:@?D >2J 36 k2 9C67lQ9EEADi^^HHH]8@@5CI]4@>^5CF8D^>65:42E:@?\32D:4D^H9J\5CF8D\86E\C642==65QmC642==65k^2m 5F6 E@ ?6H @C D6C:@FD C:D<D] k^=:mk=: 52E2\=:DE\:E6>\:5lQ6d_3h_3_24db44a2`2gdc3bd_4gc67eahQmkDEC@?8m|2?F724EFC:?8 AC@3=6>Dik^DEC@?8m p >2?F724EFC6C >2J DE@A >2<:?8 2 >65:42E:@? 3642FD6 @7 AC@5F4E:@? @C DFAA=J :DDF6D]k^=:mk=: 52E2\=:DE\:E6>\:5lQ6ga7h7`72be___d45eh2c7_4e`h3dh534QmkDEC@?8mqFD:?6DD 564:D:@?Dik^DEC@?8m p 4@>A2?J >2J 5:D4@?E:?F6 2 >65:42E:@? 3642FD6 @7 =@H 56>2?5 @C @E96C 3FD:?6DD C62D@?D] k^=:mk=: 52E2\=:DE\:E6>\:5lQ67`f4g3bgd4f53he35_a46e45_e5a`54fQmkDEC@?8m}6H6C EC62E>6?E @AE:@?Dik^DEC@?8m p >65:42E:@? >2J 36 5:D4@?E:?F65 H96? @E96C EC62E>6?E @AE:@?D 364@>6 2G2:=23=6]k^=:mk^F=m
kAmx7 J@FC >65:42E:@? :D 5:D4@?E:?F65[ J@FC A92C>24:DE >2J 4@?E24E J@FC AC6D4C:36C E@ C6BF6DE 2? 2=E6C?2E:G6] *@F 42? 2=D@ 7@==@H FA H:E9 J@FC 962=E942C6 E62> E@ =6E E96> <?@H J@FC >65:42E:@? :D ?@ =@?86C 2G2:=23=6 2?5 2D< 23@FE @E96C EC62E>6?E @AE:@?D] ~7E6?[ E96C6 2C6 @E96C >65:42E:@?D E92E H@C< D:>:=2C=J 2?5 42? 36 FD65 :? A=246 @7 2 5:D4@?E:?F65 >65:42E:@?]k^Am
k9bmh] *@F 42?’E D66 J@FC AC6D4C:36C E@ 2D< 7@C 2 C67:==k^9bm
kAm$@>6E:>6D J@F >2J ?665 2 ?6H AC6D4C:AE:@? 3FE 42?’E D66 J@FC AC6D4C:36C :? E:>6] u@C 6I2>A=6[ J@FC AC6D4C:36C >2J 36 3@@<65 7@C D6G6C2= H66<D @C J@F >2J 92G6 C646?E=J >@G65 2?5 92G6?’E 7@F?5 2 ?6H 962=E942C6 AC@76DD:@?2= J6E]k^Am
kAm$E2CE 3J 42==:?8 J@FC AC6D4C:36C’D @77:46] %96J >2J 36 23=6 E@ 2AAC@G6 2 C67:== H:E9@FE 2? :?\A6CD@? G:D:E @C D4965F=6 2 E6=6962=E9 2AA@:?E>6?E] p?@E96C 962=E942C6 AC@76DD:@?2= :? E96 AC24E:46 >2J 2=D@ 36 2G2:=23=6 E@ =@@< 2E J@FC C67:== C6BF6DE] (96E96C J@F ?665 2? 2AA@:?E>6?E 42? 56A6?5 @? E96 >65:42E:@? 2?5 J@FC 962=E942C6 ?665D]k^Am
kAmx7 J@F 42?’E C6249 J@FC FDF2= AC6D4C:36C[ 2D< J@FC A92C>24:DE 23@FE J@FC @AE:@?D] s6A6?5:?8 @? E96 >65:42E:@? 2?5 =2HD H96C6 J@F =:G6[ E96J >2J 36 23=6 E@ AC6D4C:36 @C =@2? J@F 2 D9@CE DFAA=J H9:=6 J@F 2CC2?86 2? 2AA@:?E>6?E]k^Am
kAmp?@E96C @AE:@? >2J 36 2? @?=:?6 G:D:E] u@C D6=64E >65:42E:@?D[ 2? @?=:?6 962=E942C6 AC@76DD:@?2= >2J 36 23=6 E@ C67:== J@FC AC6D4C:AE:@? H96? 2AAC@AC:2E6] q6 DFC6 E@ 92G6 J@FC 4FCC6?E AC6D4C:AE:@? =236= @C >65:42E:@? =:DE E@ 2G@:5 2?J 4@?7FD:@? H96? :E 4@>6D E@ E96 >65:42E:@? ?2>6 2?5 J@FC 4FCC6?E 5@D286] pG2:=23:=:EJ 2?5 6=:8:3:=:EJ 42? G2CJ 3J >65:42E:@? 2?5 =@42E:@?]k^Am
k9bm`_] *@F =@DE J@FC AC6D4C:AE:@? >65:42E:@?k^9bm
kAmx7 J@F =@D6 J@FC >65:42E:@?[ 4@?E24E J@FC A92C>24J 2D D@@? 2D A@DD:3=6] *@FC A92C>24:DE 42? 4964< :7 J@F 92G6 2?J C67:==D =67E] s6A6?5:?8 @? E96 AC6D4C:AE:@?[ E96J >2J ?665 E@ 4@?E24E J@FC AC6D4C:36C]k^Am
kAmx?DFC2?46 >2J ?@E 4@G6C 2 C67:== :7 :E’D E@@ D@@? 32D65 @? J@FC =2DE 7:== 52E6] pD< J@FC A92C>24:DE :7 E96J 42? C6BF6DE 2 =@DE >65:42E:@? @G6CC:56 H:E9 J@FC :?DFC2?46] *@F >2J 2=D@ ?665 E@ 4@?E24E J@FC A=2? 5:C64E=J E@ 6IA=2:? H92E 92AA6?65] *@FC :?DFC2?46 >2J =:>:E 9@H @7E6? J@F 42? FD6 E9:D EJA6 @7 @G6CC:56]k^Am
kAmx7 :?DFC2?46 H@?’E 4@G6C E96 C6A=246>6?E[ 2D< J@FC A92C>24:DE 23@FE J@FC @AE:@?D] x7 :E’D 277@C523=6[ J@F >2J 36 23=6 E@ A2J @FE @7 A@4<6E 7@C D@>6 @C 2== @7 E96 >65:42E:@? F?E:= J@FC ?6IE C67:== :D 4@G6C65]k^Am
kAmp=D@[ E96C6 >2J 36 6IEC2 CF=6D 7@C 4@?EC@==65 DF3DE2?46D] s6A6?5:?8 @? E96 >65:42E:@? 2?5 H96C6 J@F =:G6[ J@FC A92C>24:DE >2J ?665 2 ?6H AC6D4C:AE:@? @C >2J ?@E 36 23=6 E@ C6A=246 E96 >65:42E:@? 62C=J] pD< J@FC 962=E942C6 E62> H92E @AE:@?D 2C6 2G2:=23=6 C2E96C E92? 8@:?8 H:E9@FE E96 >65:42E:@? @C 492?8:?8 9@H J@F E2<6 :E @? J@FC @H?]k^Am
k9bmuC6BF6?E=J 2D<65 BF6DE:@?Dk^9bm
kAmkDEC@?8mr2? J@F 42?46= 2 AC6D4C:AE:@? 27E6C :EVD 366? 7:==65nk^DEC@?8mk^Am
kAm*6D[ J@F 42? 42?46= J@FC AC6D4C:AE:@? 2E 2?J E:>6[ 6G6? 27E6C :E’D 366? 7:==65] pD =@?8 2D J@F 5@?’E A:4< FA J@FC AC6D4C:AE:@?[ J@FC A92C>24J 42? C6EFC? :E E@ :ED DE@4<] p?5 :7 J@F 5@?’E A:4< FA J@FC 7:==65 AC6D4C:AE:@? H:E9:? 2 46CE2:? E:>6 — DF49 2D H:E9:? `_ 52JD — J@FC A92C>24J H:== =:<6=J 42?46= E96 AC6D4C:AE:@? 7@C J@F]k^Am
kAmkDEC@?8mw@H >2?J 52JD 62C=J 42? J@F C67:== 2 AC6D4C:AE:@?nk^DEC@?8mk^Am
kAmxE 56A6?5D] x? 86?6C2=[ J@F 42? C67:== J@FC AC6D4C:AE:@? 7@C ?@?4@?EC@==65 DF3DE2?46D k2 9C67lQ9EEADi^^HHH]8@@5CI]4@>^:?DFC2?46^962=E9\:?DFC2?46^AC6D4C:AE:@?\BF2?E:EJ\=:>:ED\:?DFC2?46\A=2?D\=:>:E\4@G6C286R62C=J\C67:==DQmFA E@ D6G6? 52JD 62C=Jk^2m] u@C 4@?EC@==65 DF3DE2?46D[ E96 C67:== E:>:?8 :D DEC:4E6C — EJA:42==J @?6 E@ EH@ 52JD 62C=J] z66A :? >:?5 E92E 9@H 62C=J J@F 7:== J@FC AC6D4C:AE:@? 42? 56A6?5 @? D6G6C2= 724E@CD[ DF49 2D :?DFC2?46 =:>:ED[ DE2E6 =2HD H96C6 J@F =:G6[ 2?5 A92C>24J A@=:4:6D] $A62< H:E9 J@FC A92C>24:DE E@ 4@?7:C> 9@H 62C=J J@F 42? 7:== 2 AC6D4C:AE:@?]k^Am
kAmkDEC@?8mr2? J@F 86E 2 AC6D4C:AE:@? C67:==65 H:E9@FE D66:?8 J@FC AC6D4C:36Cnk^DEC@?8mk^Am
kAm$@>6E:>6D — :7 J@FC AC6D4C:36C 2AAC@G6D :E] r964< H:E9 J@FC A92C>24J 7:CDE E@ D66 :7 J@F 92G6 2?J C67:==D =67E @? J@FC AC6D4C:AE:@?] x7 ?@E[ 2 A92C>24J E62> >6>36C 42? A=246 2 C67:== C6BF6DE H:E9 J@FC AC6D4C:36C] $@>6E:>6D[ :7 J@F’G6 925 2 =@?8 9:DE@CJ H:E9 J@FC AC6D4C:36C 2?5 2C6 @? 2 4@?D:DE6?E EC62E>6?E A=2?[ E96J >2J D6?5 2 C67:== E@ J@FC A92C>24J H:E9@FE 2D<:?8 J@F E@ >2<6 2? 2AA@:?E>6?E] qFE :7 J@F 92G6?VE 366? D66? 3J J@FC AC6D4C:36C :? 2 H9:=6[ E96J’== =:<6=J 56?J J@FC C6BF6DE 2?5 2D< J@F E@ C6249 @FE E@ E96:C @77:46]k^Am
k9bm%96 3@EE@> =:?6k^9bm
kAm|2?J 4@>>@? AC6D4C:AE:@? C67:== 492==6?86D 2E E96 A92C>24J 42? 36 C6D@=G65 E9C@F89 2 76H DEC2E68:6D[ DF49 2D C6BF6DE:?8 2? :?DFC2?46 @G6CC:56[ @3E2:?:?8 2 ?6H AC6D4C:AE:@?[ @C 92G:?8 2 4@?G6CD2E:@? H:E9 J@FC AC6D4C:36C] x? D@>6 42D6D[ J@F 42? 86E 2C@F?5 C67:== :DDF6D 3J A2J:?8 7@C E96 >65:42E:@? @FE @7 A@4<6E @C 2D<:?8 7@C 2 D9@CE DFAA=J 7C@> E96 A92C>24J]k^Am
kAm(96? :? 5@F3E[ 42== J@FC 962=E942C6 E62> 7@C ?646DD2CJ AC6D4C:AE:@?D @C 2AAC@G2=D @? C67:==D] *@F 42? 2=D@ E2=< E@ E96 A92C>24:DE E@ D66 H92E J@FC @AE:@?D 2C6]k^Am
kAmk2 9C67lQ9EEADi^^HHH]8@@5CI]4@>^5CF8D^>65:42E:@?\32D:4D^AC@3=6>D\7:==:?8\AC6D4C:AE:@?D\H92E\E@\5@Qmk6>m%9:D DE@CJk^6>mk^2mk6>m H2D AC@5F465 3Jk^6>m k2 9C67lQ9EEADi^^HHH]8@@5CI]4@>Qmk6>mv@@5#Ik^6>mk^2mk6>m 2?5 C6G:6H65 2?5 5:DEC:3FE65 3Jk^6>m k2 9C67lQ9EEADi^^9F3D]=2^"_b<=8$#_Q C6=lQ?@7@==@HQmk6>m$E24<6Ck^6>mk^2mk6>m]k^6>mk^Am
