{"id":27428,"date":"2023-07-17T14:54:19","date_gmt":"2023-07-17T10:54:19","guid":{"rendered":"https:\/\/www.buyanyinsurance.ae\/blog\/?p=27428"},"modified":"2024-12-26T10:23:06","modified_gmt":"2024-12-26T06:23:06","slug":"%d8%b4%d8%b1%d9%83%d8%a7%d8%aa-%d8%aa%d8%a3%d9%85%d9%8a%d9%86-%d8%a7%d9%84%d9%85%d8%b1%d9%83%d8%a8%d8%a7%d8%aa","status":"publish","type":"post","link":"https:\/\/www.buyanyinsurance.ae\/blog\/ar\/%d8%b4%d8%b1%d9%83%d8%a7%d8%aa-%d8%aa%d8%a3%d9%85%d9%8a%d9%86-%d8%a7%d9%84%d9%85%d8%b1%d9%83%d8%a8%d8%a7%d8%aa\/","title":{"rendered":"\u062f\u0644\u064a\u0644 \u0623\u0641\u0636\u0644 \u0634\u0631\u0643\u0627\u062a \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0631\u0643\u0628\u0627\u062a \u0641\u064a \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a"},"content":{"rendered":"\n

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<\/div>\n\n\n\n

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<\/div>\n\n\n
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<\/div>\n\n\n\n
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<\/div>\n\n\n\n

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<\/div>\n\n\n\n

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<\/div>\n\n\n
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<\/div>\n\n\n\n
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<\/div>\n\n\n\n

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<\/div>\n\n\n\n

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<\/div>\n\n\n\n

\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0634\u0631\u0643\u0627\u062a<\/h3>\n\n\n\n

\u0627\u0644\u0625\u0635\u0627\u0628\u0627\u062a \u0627\u0644\u0628\u062f\u0646\u064a\u0629 \u0623\u0648 \u0627\u0644\u0648\u0641\u0627\u0629 \u0627\u0644\u062a\u064a \u062a\u0644\u062d\u0642 \u0628\u0627\u0644\u063a\u064a\u0631\u060c \u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0645\u0627\u062f\u064a\u0629 \u0644\u0644\u063a\u064a\u0631\u060c \u0642\u0637\u0631 \u0627\u0644\u0633\u064a\u0627\u0631\u0629.<\/p>\n\n\n\n

<\/div>\n\n\n\n

\u0627\u0644\u0648\u0637\u0646\u064a\u0629 \u0644\u0644\u062a\u0643\u0627\u0641\u0644<\/h2>\n\n\n\n

\u0625\u062d\u062f\u0649 \u0623\u0641\u0636\u0644 \u0634\u0631\u0643\u0627\u062a \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0631\u0643\u0628\u0627\u062a \u0641\u064a \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a\u060c \u0623\u0633\u0633\u062a \u0648\u0637\u0646\u064a\u0629 \u0644\u0644\u062a\u0643\u0627\u0641\u0644 \u0633\u0646\u0629 2011\u060c \u0648\u062a\u0647\u062f\u0641 \u0625\u0644\u0649 \u0625\u0646\u0634\u0627\u0621 \u0634\u0631\u0643\u0629 \u062a\u0643\u0627\u0641\u0644\u064a\u0629 \u0631\u0627\u0626\u062f\u0629 \u0641\u064a \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0645\u062a\u062d\u062f\u0629 \u0644\u062a\u0644\u0628\u064a\u0629 \u062d\u0627\u062c\u0627\u062a \u0627\u0644\u0633\u0648\u0642 \u0641\u064a \u0627\u0644\u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u062a\u0643\u0627\u0641\u0644\u064a\u0629 \u0627\u0644\u0645\u062a\u0648\u0627\u0641\u0642\u0629 \u0645\u0639 \u0627\u0644\u0634\u0631\u064a\u0639\u0629 \u0627\u0644\u0625\u0633\u0644\u0627\u0645\u064a\u0629.<\/p>\n\n\n\n

\u062a\u0624\u0643\u062f \u0648\u0637\u0646\u064a\u0629 \u0644\u0644\u062a\u0643\u0627\u0641\u0644 \u0639\u0644\u0649 \u062a\u0632\u0648\u064a\u062f \u0639\u0645\u0644\u0627\u0626\u0647\u0627 \u0628\u062e\u062f\u0645\u0627\u062a \u0639\u0627\u0644\u064a\u0629 \u0627\u0644\u0645\u0633\u062a\u0648\u0649 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0641\u0631\u064a\u0642\u0647\u0627 \u0627\u0644\u0645\u062d\u062a\u0631\u0641\u060c \u0627\u0644\u0630\u064a \u064a\u0633\u0639\u0649 \u0625\u0644\u0649 \u062a\u0642\u062f\u064a\u0645 \u062e\u062f\u0645\u0627\u062a \u0633\u0631\u064a\u0639\u0629 \u0648\u0641\u0639\u0627\u0644\u0629 \u0648\u0645\u0639\u0627\u0644\u062c\u0629 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0627\u062a \u0628\u0633\u0647\u0648\u0644\u0629.<\/p>\n\n\n\n

<\/div>\n\n\n\n

\u0623\u0647\u0645 \u0645\u0645\u064a\u0632\u0627\u062a \u0648\u062b\u0627\u0626\u0642 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a \u0647\u064a:<\/p>\n\n\n\n

– \u062e\u062f\u0645\u0629 \u0627\u0644\u0645\u0633\u0627\u0639\u062f\u0629 \u0639\u0644\u0649 \u0627\u0644\u0637\u0631\u064a\u0642 24\/7<\/a>.<\/p>\n\n\n\n

– \u0625\u0635\u0644\u0627\u062d \u0627\u0644\u0648\u0643\u0627\u0644\u0629<\/a>.<\/p>\n\n\n\n

– \u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u0633\u0627\u0626\u0642 \u0648\u0627\u0644\u0631\u0643\u0627\u0628.<\/p>\n\n\n\n

– \u062e\u0635\u0645 \u0639\u062f\u0645 \u0648\u062c\u0648\u062f \u0645\u0637\u0627\u0644\u0628\u0627\u062a.<\/p>\n\n\n\n

– \u0633\u064a\u0627\u0631\u0629 \u0628\u062f\u064a\u0644\u0629 \u0641\u064a \u062d\u0627\u0644\u0629 \u0633\u0631\u0642\u0629 \u0627\u0644\u0633\u064a\u0627\u0631\u0629.<\/p>\n\n\n\n

– \u0627\u0633\u062a\u0628\u062f\u0627\u0644 \u0645\u0639\u0642\u062f \u0633\u064a\u0627\u0631\u0629 \u0644\u0644\u0623\u0637\u0641\u0627\u0644.<\/p>\n\n\n\n

– \u0636\u0631\u0631 \u0627\u0644\u0632\u062c\u0627\u062c \u0627\u0644\u0623\u0645\u0627\u0645\u064a \u0644\u0644\u0633\u064a\u0627\u0631\u0629.<\/p>\n\n\n\n

<\/div>\n\n\n\n

\u0627\u0644\u0635\u0642\u0631 \u0644\u0644\u062a\u0623\u0645\u064a\u0646<\/h2>\n\n\n\n

\u062a\u062d\u0638\u0649 \u0627\u0644\u0635\u0642\u0631 \u0644\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u0634\u0639\u0628\u064a\u0629 \u0643\u0628\u064a\u0631\u0629 \u0628\u064a\u0646 \u062d\u0645\u0644\u0629 \u0648\u062b\u0627\u0626\u0642 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a \u0643\u0648\u0646\u0647\u0627 \u0625\u062d\u062f\u0649 \u0634\u0631\u0643\u0627\u062a \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0631\u0643\u0628\u0627\u062a \u0627\u0644\u0645\u0631\u0645\u0648\u0642\u0629 \u0641\u064a \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0645\u062a\u062d\u062f\u0629. \u062a\u062a\u0645\u062a\u0639 \u0628\u062e\u0628\u0631\u0629 \u062a\u0632\u064a\u062f \u0639\u0646 30 \u0639\u0627\u0645\u064b\u0627 \u0641\u064a \u0642\u0637\u0627\u0639 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u060c \u0648\u062a\u0642\u062f\u0645 \u062a\u062c\u0631\u0628\u0629 \u0641\u0631\u064a\u062f\u0629 \u0648\u0645\u0633\u062a\u0648\u0649 \u0631\u0627\u0626\u062f \u0641\u064a \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0627\u0644\u0645\u0642\u062f\u0645\u0629 \u0644\u0644\u0639\u0645\u0644\u0627\u0621.<\/p>\n\n\n\n

\u062a\u0642\u062f\u0645 \u0627\u0644\u0635\u0642\u0631 \u0644\u0644\u062a\u0623\u0645\u064a\u0646 \u0645\u0646\u062a\u062c\u0627\u062a \u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u062a\u063a\u0637\u064a \u062c\u0645\u064a\u0639 \u062d\u0627\u062c\u0627\u062a \u0627\u0644\u0645\u0642\u064a\u0645\u064a\u0646 \u0641\u064a \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0645\u062a\u062d\u062f\u0629\u060c \u0648\u0630\u0644\u0643 \u0644\u0644\u0623\u0641\u0631\u0627\u062f \u0648\u0627\u0644\u0639\u0627\u0626\u0644\u0627\u062a \u0648\u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0648\u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0629 \u0628\u0645\u0633\u062a\u0648\u0649 \u0639\u0627\u0644\u064d \u0645\u0646 \u0627\u0644\u0645\u0631\u0648\u0646\u0629.  <\/p>\n\n\n\n

\u0623\u0645\u0627 \u0641\u064a\u0645\u0627 \u064a\u062e\u0635 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0631\u0643\u0628\u0627\u062a \u0641\u0625\u0646 \u0645\u0646\u0627\u0641\u0639 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0636\u062f \u0627\u0644\u063a\u064a\u0631 \u0644\u062f\u0649 \u0627\u0644\u0635\u0642\u0631 \u0644\u0644\u062a\u0623\u0645\u064a\u0646 \u0647\u064a:<\/p>\n\n\n\n

<\/div>\n\n\n
\n
\"\u0627\u0644\u0635\u0642\u0631<\/a><\/figure><\/div>\n\n\n
<\/div>\n\n\n\n
\n
\u0648\u0641\u0651\u0631 \u0623\u0643\u062b\u0631 \u0645\u0639 \u062a\u0623\u0645\u064a\u0646 \u0633\u064a\u0627\u0631\u062a\u0643!<\/a><\/div>\n<\/div>\n\n\n\n
<\/div>\n\n\n\n

\u0645\u0646\u0627\u0641\u0639 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0633\u064a\u0627\u0631\u0629 \u0636\u062f \u0627\u0644\u063a\u064a\u0631<\/h3>\n\n\n\n

– \u0625\u0635\u0644\u0627\u062d \u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0633\u064a\u0627\u0631\u0629 \u062d\u062a\u0649 10 \u0633\u0646\u0648\u0627\u062a \u0645\u0646 \u062a\u0633\u062c\u064a\u0644 \u0627\u0644\u0633\u064a\u0627\u0631\u0629.<\/p>\n\n\n\n

– \u0625\u0644\u062d\u0627\u0642 \u0623\u0636\u0631\u0627\u0631 \u0628\u0627\u0644\u0645\u0645\u062a\u0644\u0643\u0627\u062a: \u062d\u062a\u0649 2.000.000 \u062f\u0631\u0647\u0645.<\/p>\n\n\n\n

– \u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u0625\u0635\u0627\u0628\u0627\u062a \u0627\u0644\u0628\u062f\u0646\u064a\u0629 \u0644\u0644\u063a\u064a\u0631: \u062d\u062a\u0649 200.000 \u062f\u0631\u0647\u0645.<\/p>\n\n\n\n

– \u062e\u062f\u0645\u0629 \u0627\u0644\u0625\u0633\u0639\u0627\u0641 \u0627\u0644\u0648\u0637\u0646\u064a: 6.770 \u062f\u0631\u0647\u0645 \u0644\u0643\u0644 \u0634\u062e\u0635.<\/p>\n\n\n\n

– \u062e\u0635\u0645 \u0639\u062f\u0645 \u0648\u062c\u0648\u062f \u0645\u0637\u0627\u0644\u0628\u0627\u062a.<\/p>\n\n\n\n

– \u0643\u0645\u0627 \u064a\u0645\u0643\u0646\u0643 \u0625\u0636\u0627\u0641\u0629 \u0645\u0645\u064a\u0632\u0627\u062a \u0623\u062e\u0631\u0649 \u0645\u062b\u0644 \u062a\u063a\u0637\u064a\u0629 \u0639\u0645\u0627\u0646\u060c \u0648\u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0628\u0631\u062a\u0642\u0627\u0644\u064a\u0629<\/a> \u0648\u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u0633\u0627\u0626\u0642 \u0648\u0627\u0644\u0631\u0643\u0627\u0628 \u0625\u0644\u0649 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0636\u062f \u0627\u0644\u063a\u064a\u0631.<\/p>\n\n\n\n

<\/div>\n\n\n\n

\u0645\u0646\u0627\u0641\u0639 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0634\u0627\u0645\u0644<\/h3>\n\n\n\n

– \u062a\u0634\u0645\u0644 \u062c\u0645\u064a\u0639 \u0645\u0646\u0627\u0641\u0639 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0636\u062f \u0627\u0644\u063a\u064a\u0631.<\/p>\n\n\n\n

– \u0625\u0635\u0644\u0627\u062d \u0627\u0636\u0631\u0627\u0631 \u0627\u0644\u0633\u064a\u0627\u0631\u0629 \u0641\u064a \u0627\u0644\u0648\u0643\u0627\u0644\u0629 \u062d\u062a\u0649 3 \u0633\u0646\u0648\u0627\u062a \u0645\u0646 \u0639\u0645\u0631 \u0627\u0644\u0633\u064a\u0627\u0631\u0629.<\/p>\n\n\n\n

– \u0625\u0635\u0644\u0627\u062d \u0627\u0644\u0648\u0631\u0634\u0627\u062a \u062d\u062a\u0649 10 \u0633\u0646\u0648\u0627\u062a \u0645\u0646 \u0639\u0645\u0631 \u0627\u0644\u0633\u064a\u0627\u0631\u0629.<\/p>\n\n\n\n

– \u062e\u062f\u0645\u0629 \u0627\u0644\u0645\u0633\u0627\u0639\u062f\u0629 \u0639\u0644\u0649 \u0627\u0644\u0637\u0631\u064a\u0642.<\/p>\n\n\n\n

<\/div>\n\n\n\n

\u0645\u0632\u0627\u064a\u0627 \u0627\u062e\u062a\u064a\u0627\u0631\u064a\u0629<\/h3>\n\n\n\n

– \u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u0633\u0627\u0626\u0642 \u0648\u0627\u0644\u0631\u0643\u0627\u0628.<\/p>\n\n\n\n

– \u0648\u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u0645\u0642\u062a\u0646\u064a\u0627\u062a \u0627\u0644\u0634\u062e\u0635\u064a\u0629 \u0645\u0646 \u0627\u0644\u062d\u0631\u064a\u0642 \u0648\u0627\u0644\u0633\u0631\u0642\u0629 \u0648\u0627\u0644\u0627\u0635\u0637\u062f\u0627\u0645 \u062d\u062a\u0649 2000 \u062f\u0631\u0647\u0645.<\/p>\n\n\n\n

– \u062a\u0623\u0645\u064a\u0646 \u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0632\u062c\u0627\u062c \u0627\u0644\u0623\u0645\u0627\u0645\u064a \u0644\u0644\u0633\u064a\u0627\u0631\u0629 \u062d\u062a\u0649 2000 \u062f\u0631\u0647\u0645.<\/p>\n\n\n\n

– \u0646\u0641\u0642\u0627\u062a \u0637\u0628\u064a\u0629 \u0637\u0627\u0631\u0626\u0629 \u062d\u062a\u0649 2000 \u062f\u0631\u0647\u0645.<\/p>\n\n\n\n

– \u0633\u064a\u0627\u0631\u0629 \u0628\u062f\u064a\u0644\u0629.<\/p>\n\n\n\n

– \u062a\u063a\u0637\u064a\u0629 \u0636\u062f \u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0643\u0648\u0627\u0631\u062b \u0627\u0644\u0637\u0628\u064a\u0639\u064a\u0629 (\u0627\u0644\u0641\u064a\u0636\u0627\u0646\u0627\u062a \u0648\u0627\u0644\u0639\u0648\u0627\u0635\u0641 \u0648\u0627\u0644\u0623\u0639\u0627\u0635\u064a\u0631 \u0648\u0627\u0644\u0632\u0644\u0627\u0632\u0644).<\/p>\n\n\n\n

– \u062a\u063a\u0637\u064a\u0629 \u0633\u0644\u0637\u0646\u0629 \u0639\u0645\u0627\u0646 \u0623\u0648 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0628\u0631\u062a\u0642\u0627\u0644\u064a\u0629.<\/p>\n\n\n\n

<\/div>\n\n\n\n

\u0634\u0631\u0643\u0629 \u062f\u0627\u0631 \u0627\u0644\u062a\u0623\u0645\u064a\u0646<\/h2>\n\n\n\n

\u0623\u0633\u0633\u062a \u062f\u0627\u0631 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0641\u064a \u0623\u0628\u0648\u0638\u0628\u064a \u0633\u0646\u0629 2007 \u0628\u0631\u0623\u0633 \u0645\u0627\u0644 \u0645\u062f\u0641\u0648\u0639 \u0648\u0642\u062f\u0631\u0647 120 \u0645\u0644\u064a\u0648\u0646 \u062f\u0631\u0647\u0645. \u062a\u0642\u062f\u0645 \u062f\u0627\u0631 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u060c \u0625\u062d\u062f\u0649 \u0623\u0647\u0645 \u0634\u0631\u0643\u0627\u062a \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0631\u0643\u0628\u0627\u062a \u0641\u064a \u062f\u0628\u064a \u0648\u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a\u060c \u0645\u0646\u062a\u062c\u0627\u062a \u0648\u0628\u0627\u0642\u0627\u062a \u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u0645\u062a\u0646\u0648\u0639\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0645\u0643\u0627\u062a\u0628\u0647\u0627 \u0627\u0644\u0645\u0648\u062c\u0648\u062f\u0629 \u0641\u064a \u0643\u0644\u064d \u0645\u0646 \u0623\u0628\u0648\u0638\u0628\u064a \u0648\u062f\u0628\u064a \u0648\u0627\u0644\u0634\u0627\u0631\u0642\u0629.<\/p>\n\n\n\n

\u0643\u0645\u0627 \u062a\u0642\u062f\u0645 \u0644\u0643 \u0634\u0631\u0643\u0629 \u062f\u0627\u0631 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u0646 \u0645\u0646\u062a\u062c\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0645\u062b\u0644: \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0631\u0643\u0628\u0627\u062a \u0648\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0635\u062d\u064a \u0648\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a \u0648\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0634\u062e\u0635\u064a \u0648\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0628\u062d\u0631\u064a \u0648\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062c\u0648\u064a \u0648\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0647\u0646\u062f\u0633\u064a.<\/p>\n\n\n\n

\u062a\u0643\u0631\u0633 \u062f\u0627\u0631 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u062c\u0647\u0648\u062f\u0647\u0627 \u0644\u062a\u0642\u062f\u064a\u0645 \u0645\u0645\u064a\u0632\u0627\u062a \u062d\u064a\u0648\u064a\u0629 \u0648\u0641\u0639\u0651\u0627\u0644\u0629 \u0643\u0627\u0644\u0633\u0631\u0639\u0629 \u0648\u0627\u0644\u0642\u064a\u0645\u0629 \u0627\u0644\u0645\u0636\u0627\u0641\u0629 \u0648\u0627\u0644\u0627\u0647\u062a\u0645\u0627\u0645\u060c \u0648\u0630\u0644\u0643 \u0644\u062a\u0644\u0628\u064a\u0629 \u062d\u0627\u062c\u0627\u062a \u062d\u0645\u0644\u0629 \u0627\u0644\u0648\u062b\u0627\u0626\u0642 \u0627\u0644\u0645\u062a\u0632\u0627\u064a\u062f\u0629. \u0643\u0645\u0627 \u062a\u0642\u062f\u0645 \u0627\u0644\u0634\u0631\u0643\u0629 \u0648\u062b\u0627\u0626\u0642 \u0645\u062a\u0646\u0648\u0639\u0629 \u0648\u0645\u0635\u0645\u0645\u0629 \u062e\u0635\u064a\u0635\u064b\u0627 \u0644\u062a\u0644\u0627\u0626\u0645 \u0634\u0631\u064a\u062d\u0629 \u0648\u0627\u0633\u0639\u0629 \u0645\u0646 \u0645\u062a\u0637\u0644\u0628\u0627\u062a \u0627\u0644\u0639\u0645\u0644\u0627\u0621.<\/p>\n\n\n\n

\u0623\u0645\u0627 \u0623\u0646\u0648\u0627\u0639 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0631\u0643\u0628\u0627\u062a \u0644\u062f\u0649 \u062f\u0627\u0631 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0641\u0647\u064a: \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0631\u0643\u0628\u0627\u062a \u0627\u0644\u062a\u062c\u0627\u0631\u064a\u0629 \u0648\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0631\u0643\u0628\u0627\u062a \u0627\u0644\u062e\u0627\u0635\u0629\u060c \u0648\u062a\u0634\u0645\u0644 \u0643\u0644 \u0645\u0646\u0647\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0636\u062f \u0627\u0644\u063a\u064a\u0631 \u0648\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0634\u0627\u0645\u0644. <\/p>\n\n\n\n

<\/div>\n\n\n\n

\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0636\u062f \u0627\u0644\u063a\u064a\u0631 \u0644\u0644\u0633\u064a\u0627\u0631\u0629<\/h3>\n\n\n\n

\u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629 \u062a\u062c\u0627\u0647 \u0627\u0644\u063a\u064a\u0631 \u0641\u064a \u062d\u0627\u0644\u0629 \u0627\u0644\u0648\u0641\u0627\u0629 \u0623\u0648 \u0627\u0644\u0625\u0635\u0627\u0628\u0627\u062a \u0627\u0644\u0628\u062f\u0646\u064a\u0629\u060c \u0648\u062a\u063a\u0637\u064a\u0629 \u0627\u0636\u0631\u0627\u0631 \u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0627\u0644\u0637\u0631\u0641 \u0627\u0644\u062b\u0627\u0644\u062b.<\/p>\n\n\n\n

<\/div>\n\n\n\n

\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0633\u064a\u0627\u0631\u0629 \u0627\u0644\u0634\u0627\u0645\u0644<\/h3>\n\n\n\n

– \u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u0633\u0627\u0626\u0642 \u0648\u0627\u0644\u0631\u0643\u0627\u0628.<\/p>\n\n\n\n

– \u062a\u0648\u0633\u0639\u0629 \u0627\u0644\u0646\u0637\u0627\u0642 \u0627\u0644\u062c\u063a\u0631\u0627\u0641\u064a.<\/p>\n\n\n\n

– \u062e\u062f\u0645\u0629 \u0627\u0644\u0645\u0633\u0627\u0639\u062f\u0629 \u0639\u0644\u0649 \u0627\u0644\u0637\u0631\u064a\u0642.<\/p>\n\n\n\n

– \u0625\u0635\u062f\u0627\u0631 \u0627\u0644\u0628\u0637\u0627\u0642\u0629 \u0627\u0644\u0628\u0631\u062a\u0642\u0627\u0644\u064a\u0629.<\/p>\n\n\n\n

<\/div>\n\n\n
\n
\"\u0634\u0631\u0643\u0629<\/a><\/figure><\/div>\n\n\n
<\/div>\n\n\n\n
\n
\u0623\u0641\u0636\u0644 \u0639\u0631\u0648\u0636 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0631\u0643\u0628\u0627\u062a \u0639\u0644\u0649 \u0645\u0633\u0627\u0641\u0629 \u0646\u0642\u0631\u0629!<\/a><\/div>\n<\/div>\n\n\n\n
<\/div>\n\n\n\n

\u062f\u0628\u064a \u0627\u0644\u0648\u0637\u0646\u064a\u0629<\/h2>\n\n\n\n

\u0623\u0633\u0633\u062a \u062f\u0628\u064a \u0627\u0644\u0648\u0637\u0646\u064a\u0629 \u0633\u0646\u0629 1991 \u0648\u0643\u0627\u0646\u062a \u0645\u0646 \u0623\u0648\u0627\u0626\u0644 \u0634\u0631\u0643\u0627\u062a \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0631\u0643\u0628\u0627\u062a \u0627\u0644\u062a\u064a \u062a\u0645 \u0625\u062f\u0631\u0627\u062c\u0647\u0627 \u0641\u064a \u0633\u0648\u0642 \u062f\u0628\u064a \u0627\u0644\u0645\u0627\u0644\u064a<\/a> (DFM). \u0628\u062f\u0623\u062a \u0627\u0644\u0634\u0631\u0643\u0629 \u0639\u0645\u0644\u064a\u0627\u062a\u0647\u0627 \u0628\u062f\u0639\u0645 \u0648\u062b\u0642\u0629 \u0639\u062f\u062f \u0643\u0628\u064a\u0631 \u0645\u0646 \u0627\u0644\u0645\u0633\u0627\u0647\u0645\u064a\u0646 \u0627\u0644\u0648\u0637\u0646\u064a\u064a\u0646 \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0631\u062c\u0627\u0644 \u0627\u0644\u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u0645\u062d\u0644\u064a\u064a\u0646 \u0627\u0644\u0628\u0627\u0631\u0632\u064a\u0646 \u0648\u0627\u0644\u0646\u0627\u062c\u062d\u064a\u0646. \u0648\u062a\u062d\u0638\u0649 \u0639\u0644\u0649 \u062f\u0639\u0645 \u0634\u0631\u0643\u0627\u062a \u0631\u0627\u0626\u062f\u0629 \u0648\u0639\u0627\u0644\u0645\u064a\u0629 \u0641\u064a \u0625\u0639\u0627\u062f\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u060c \u0645\u0645\u0627 \u064a\u062c\u0639\u0644\u0647\u0627 \u062e\u064a\u0627\u0631\u064b\u0627 \u0622\u0645\u0646\u064b\u0627 \u0648\u0645\u0648\u062b\u0648\u0642\u064b\u0627 \u0644\u0643.<\/p>\n\n\n\n

\u064a\u062f\u0639\u0645 \u0646\u0647\u062c \u062f\u0628\u064a \u0627\u0644\u0648\u0637\u0646\u064a\u0629 \u0648\u0645\u0633\u0627\u0639\u064a\u0647\u0627 \u0641\u0631\u064a\u0642 \u0645\u0624\u0647\u0644 \u062a\u0623\u0647\u064a\u0644\u064b\u0627 \u0639\u0627\u0644\u064a\u064b\u0627 \u0648\u0630\u0648 \u062e\u0628\u0631\u0629 \u0639\u0631\u064a\u0642\u0629\u060c \u064a\u0639\u0645\u0644 \u0645\u0646 \u0643\u062b\u0628 \u0645\u0639 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0644\u062a\u062d\u0642\u064a\u0642 \u0623\u0647\u062f\u0627\u0641 \u0627\u0644\u0634\u0631\u0643\u0629 \u0641\u064a \u062a\u0637\u0648\u064a\u0631 \u062e\u062f\u0645\u0627\u062a\u0647\u0627 \u0648\u062a\u0642\u062f\u064a\u0645 \u062d\u0644\u0648\u0644 \u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u0645\u0628\u062a\u0643\u0631\u0629 \u0644\u0628\u0646\u0627\u0621 \u0639\u0644\u0627\u0642\u0627\u062a \u062f\u0627\u0626\u0645\u0629 \u062a\u0631\u062a\u0643\u0632 \u0639\u0644\u0649 \u0627\u0644\u062b\u0642\u0629.   <\/p>\n\n\n\n

\u0644\u062f\u0649 \u062f\u0628\u064a \u0627\u0644\u0648\u0637\u0646\u064a\u0629 \u0634\u0631\u0627\u0643\u0629 \u0645\u0639 \u0648\u0631\u0634\u0627\u062a \u062a\u0635\u0644\u064a\u062d \u0631\u0627\u0626\u062f\u0629\u060c \u0648\u062a\u0642\u062f\u0645 \u062e\u062f\u0645\u0627\u062a \u0645\u0637\u0627\u0644\u0628\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u0633\u0647\u0648\u0644\u0629 \u0648\u0633\u0631\u0639\u0629. \u0623\u0645\u0627 \u0627\u0644\u0628\u0627\u0642\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u0641\u0647\u064a \u0645\u0635\u0645\u0645\u0629 \u062e\u0635\u064a\u0635\u064b\u0627 \u0644\u062d\u0627\u062c\u0627\u062a \u0627\u0644\u0645\u0624\u0645\u0646 \u0644\u0647 \u0628\u0641\u0639\u0627\u0644\u064a\u0629 \u0645\u0646 \u062d\u064a\u062b \u0627\u0644\u0645\u0645\u064a\u0632\u0627\u062a \u0648\u0627\u0644\u062a\u0643\u0644\u0641\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629.<\/p>\n\n\n\n

<\/div>\n\n\n\n

\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0636\u062f \u0627\u0644\u063a\u064a\u0631<\/h2>\n\n\n\n

– \u062a\u063a\u0637\u064a\u0629 \u0623\u0636\u0631\u0627\u0631 \u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0627\u0644\u0637\u0631\u0641 \u0627\u0644\u062b\u0627\u0644\u062b.<\/p>\n\n\n\n

– \u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0627\u0644\u0637\u0631\u0641 \u0627\u0644\u062b\u0627\u0644\u062b \u0645\u0646 \u0625\u0635\u0627\u0628\u0627\u062a \u0628\u062f\u0646\u064a\u0629 \u0623\u0648 \u0648\u0641\u0627\u0629.<\/p>\n\n\n\n

– \u0625\u0636\u0627\u0641\u0629 \u0645\u064a\u0632\u0629 \u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u062d\u0648\u0627\u062f\u062b \u0627\u0644\u0634\u062e\u0635\u064a\u0629.<\/p>\n\n\n\n

– \u062a\u0648\u0633\u064a\u0639 \u0627\u0644\u0646\u0637\u0627\u0642 \u0627\u0644\u062c\u063a\u0631\u0627\u0641\u064a.<\/p>\n\n\n\n

<\/div>\n\n\n\n

\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0634\u0627\u0645\u0644<\/h2>\n\n\n\n

– \u0625\u0635\u0644\u0627\u062d \u0627\u0644\u0648\u0643\u0627\u0644\u0629 \u0644\u0644\u0633\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u062d\u062f\u064a\u062b\u0629.<\/p>\n\n\n\n

– \u0627\u0644\u062a\u0648\u0633\u0639\u0629 \u0627\u0644\u062c\u063a\u0631\u0627\u0641\u064a\u0629: \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0633\u0644\u0637\u0646\u0629 \u0639\u0645\u0627\u0646.<\/p>\n\n\n\n

– \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0634\u062e\u0635\u064a\u0629.<\/p>\n\n\n\n

– \u0633\u064a\u0627\u0631\u0629 \u0628\u062f\u064a\u0644\u0629.<\/p>\n\n\n\n

– \u0627\u0644\u0646\u0641\u0642\u0627\u062a \u0627\u0644\u0637\u0628\u064a\u0629 \u0627\u0644\u0637\u0627\u0631\u0626\u0629.<\/p>\n\n\n\n

– \u062e\u062f\u0645\u0629 \u0627\u0644\u0625\u0633\u0639\u0627\u0641.<\/p>\n\n\n\n

– \u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u0642\u064a\u0627\u062f\u0629 \u0639\u0644\u0649 \u0627\u0644\u0637\u0631\u0642 \u0627\u0644\u0648\u0639\u0631\u0629.<\/p>\n\n\n\n

– \u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0632\u062c\u0627\u062c \u0627\u0644\u0623\u0645\u0627\u0645\u064a \u0644\u0644\u0633\u064a\u0627\u0631\u0629.<\/p>\n\n\n\n

– \u0627\u0644\u0643\u0648\u0631\u0627\u062b \u0627\u0644\u0637\u0628\u064a\u0639\u064a\u0629\u060c \u0648\u0623\u0639\u0645\u0627\u0644 \u0627\u0644\u0634\u063a\u0628 \u0648\u0627\u0644\u0627\u0636\u0637\u0631\u0627\u0628\u0627\u062a.<\/p>\n\n\n\n

– \u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u0633\u0627\u0626\u0642 \u0648\u0627\u0644\u0631\u0643\u0627\u0628.<\/p>\n\n\n\n

<\/div>\n\n\n\n

\u0634\u0631\u0643\u0629 \u0627\u0644\u0628\u062d\u064a\u0631\u0629 \u0627\u0644\u0648\u0637\u0646\u064a\u0629 \u0644\u0644\u062a\u0623\u0645\u064a\u0646<\/h2>\n\n\n\n

\u062a\u064f\u0639\u062f \u0627\u0644\u0628\u062d\u064a\u0631\u0629 \u0627\u0644\u0648\u0637\u0646\u064a\u0629 \u0644\u0644\u062a\u0623\u0645\u064a\u0646\u060c \u0628\u0645\u062d\u0641\u0638\u062a\u0647\u0627 \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u0627\u0644\u0648\u0627\u0633\u0639\u0629 \u0648\u0627\u0644\u0645\u062a\u0646\u0648\u0639\u0629\u060c \u0645\u0646 \u0623\u0628\u0631\u0632 \u0634\u0631\u0643\u0627\u062a \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0631\u0643\u0628\u0627\u062a \u0641\u064a \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0645\u062a\u062d\u062f\u0629. \u062a\u0642\u062f\u0645 \u0627\u0644\u0634\u0631\u0643\u0629 \u062d\u0644\u0648\u0644\u064b\u0627 \u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u0645\u0628\u062a\u0643\u0631\u0629 \u0641\u064a \u0627\u0644\u0633\u0648\u0642 \u0627\u0644\u0645\u062d\u0644\u064a\u0629 \u0644\u0635\u0646\u0627\u0639\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0648\u062a\u062d\u0638\u0649 \u0639\u0644\u0649 \u0631\u0636\u0627 \u0627\u0644\u0639\u0645\u0644\u0627\u0621.<\/p>\n\n\n\n

\u062a\u0636\u0645\u0646 \u0644\u0643 \u0634\u0631\u0643\u0629 \u0627\u0644\u0628\u062d\u064a\u0631\u0629 \u0627\u0644\u0648\u0637\u0646\u064a\u0629 \u0644\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u0645\u0645\u062a\u0627\u0632\u0629 \u0648\u0627\u0644\u062e\u062f\u0645\u0629 \u0627\u0644\u0633\u0631\u064a\u0639\u0629. \u0648\u0644\u062f\u064a\u0647\u0627 \u0645\u062c\u0645\u0648\u0639\u0629 \u0648\u0627\u0633\u0639\u0629 \u0645\u0646 \u0627\u0644\u0645\u0645\u064a\u0632\u0627\u062a \u0627\u0644\u0627\u062e\u062a\u064a\u0627\u0631\u064a\u0629 \u0648\u0627\u0644\u062a\u063a\u0637\u064a\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646\u064a\u0629 \u0644\u0644\u0633\u064a\u0627\u0631\u0627\u062a\u060c \u0628\u062d\u064a\u062b \u062a\u0646\u0627\u0633\u0628 \u062d\u0627\u062c\u0627\u062a\u0643 \u0648\u0645\u062a\u0637\u0644\u0628\u0627\u062a\u0643.<\/p>\n\n\n\n

<\/div>\n\n\n\n

\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0636\u062f \u0627\u0644\u063a\u064a\u0631<\/h3>\n\n\n\n

– \u062a\u063a\u0637\u064a\u0629 \u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0627\u0644\u0637\u0631\u0641 \u0627\u0644\u062b\u0627\u0644\u062b \u0636\u062f \u0627\u0644\u0625\u0635\u0627\u0628\u0627\u062a \u0627\u0644\u0628\u062f\u0646\u064a\u0629.<\/p>\n\n\n\n

– \u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u062a\u064a \u0644\u062d\u0642\u062a \u0628\u0645\u0645\u062a\u0644\u0643\u0627\u062a \u0627\u0644\u063a\u064a\u0631.<\/p>\n\n\n\n

<\/div>\n\n\n\n

\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0634\u0627\u0645\u0644<\/h3>\n\n\n\n

– \u0627\u0644\u0625\u0635\u0644\u0627\u062d \u062f\u0627\u062e\u0644 \u0627\u0644\u0648\u0643\u0627\u0644\u0629.<\/p>\n\n\n\n

– \u0627\u0644\u0625\u0635\u0644\u0627\u062d \u062e\u0627\u0631\u062c \u0627\u0644\u0648\u0643\u0627\u0644\u0629.<\/p>\n\n\n\n

– \u062e\u062f\u0645\u0629 \u0627\u0644\u0645\u0633\u0627\u0639\u062f\u0629 \u0639\u0644\u0649 \u0627\u0644\u0637\u0631\u064a\u0642.<\/p>\n\n\n\n

– \u062e\u062f\u0645\u0629 \u062a\u0633\u062c\u064a\u0644 \u0627\u0644\u0633\u064a\u0627\u0631\u0629.<\/p>\n\n\n\n

– \u0645\u0645\u064a\u0632\u0627\u062a \u0623\u062e\u0631\u0649.<\/p>\n\n\n\n

<\/div>\n\n\n
\n
\"\u0634\u0631\u0643\u0629<\/a><\/figure><\/div>\n\n\n
<\/div>\n\n\n\n
\n
\u0639\u0631\u0648\u0636 \u0645\u0630\u0647\u0644\u0629 \u0644\u062a\u0623\u0645\u064a\u0646 \u0633\u064a\u0627\u0631\u062a\u0643!<\/a><\/div>\n<\/div>\n\n\n\n
<\/div>\n\n\n\n

\u0627\u0644\u0648\u062b\u0628\u0629 \u0644\u0644\u062a\u0627\u0645\u064a\u0646<\/h2>\n\n\n\n

\u062a\u0641\u062e\u0631 \u0634\u0631\u0643\u0629 \u0627\u0644\u0648\u062b\u0628\u0629 \u0644\u0644\u062a\u0623\u0645\u064a\u0646 \u0628\u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u062a\u0635\u0646\u064a\u0641 BBB\u060c \u0645\u0639 \u0646\u0638\u0631\u0629 \u0645\u0633\u062a\u0642\u0628\u0644\u064a\u0629 \u0645\u0633\u062a\u0642\u0631\u0629 \u0645\u0646 \u0642\u0628\u0644 \u062a\u0635\u0646\u064a\u0641 S&P \u0627\u0644\u0639\u0627\u0644\u0645\u064a\u0629\u060c \u0648\u0642\u062f \u062a\u0645 \u0627\u0644\u0627\u0639\u062a\u0631\u0627\u0641 \u0628\u0647\u0627 \u0645\u0646 \u0642\u0628\u0644 \u0647\u064a\u0626\u0629 \u062a\u0646\u0638\u064a\u0645 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0641\u064a \u062f\u0648\u0644\u0629 \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0645\u062a\u062d\u062f\u0629 \u0644\u0645\u062f\u0629 \u0639\u0627\u0645\u064a\u0646 \u0645\u062a\u062a\u0627\u0644\u064a\u064a\u0646 \u0628\u0633\u0628\u0628 \u0627\u0644\u062a\u062d\u0648\u0644 \u0627\u0644\u0631\u0642\u0645\u064a \u0648\u0627\u0644\u0635\u0646\u0627\u0639\u064a.<\/p>\n\n\n\n

\u0648\u0647\u064a \u0634\u0631\u0643\u0629 \u062d\u0627\u0635\u0644\u0629 \u0639\u0644\u0649 \u062f\u0639\u0645 \u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u0646 \u0634\u0631\u0643\u0627\u062a \u0625\u0639\u0627\u062f\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u062d\u0627\u0626\u0632\u0629 \u0639\u0644\u0649 \u0634\u0647\u0631\u0629 \u0639\u0627\u0644\u0645\u064a\u0629\u060c \u0645\u0645\u0627 \u064a\u062c\u0639\u0644\u0647\u0627 \u0625\u062d\u062f\u0649 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0623\u0643\u062b\u0631 \u0623\u0645\u0627\u0646\u064b\u0627 \u0641\u064a \u0647\u0630\u0647 \u0627\u0644\u0635\u0646\u0627\u0639\u0629. \u062a\u0642\u062f\u0645 \u0634\u0631\u0643\u0629 \u0627\u0644\u0648\u062b\u0628\u0629 \u0627\u0644\u0648\u0637\u0646\u064a\u0629 \u0644\u0644\u062a\u0623\u0645\u064a\u0646 \u0623\u0641\u0636\u0644 \u0627\u0644\u0645\u0632\u0627\u064a\u0627 \u0641\u064a \u0633\u0648\u0642 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0645\u0646 \u062c\u0627\u0646\u0628 \u0627\u0644\u062d\u0645\u0627\u064a\u0629 \u0648\u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0648\u0627\u0644\u0623\u0645\u0646.<\/p>\n\n\n\n

\u062a\u0635\u0645\u0645 \u0648\u062b\u0627\u0626\u0642 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0631\u0643\u0628\u0627\u062a \u0644\u062a\u0646\u0627\u0633\u0628 \u062d\u0627\u062c\u0627\u062a \u0627\u0644\u0639\u0645\u0644\u0627\u0621 \u0643\u0627\u0641\u0629\u060c \u062d\u064a\u062b \u064a\u0645\u0643\u0646\u0643 \u0648\u0643\u0645\u0627 \u0647\u0648 \u0627\u0644\u062d\u0627\u0644 \u062f\u0627\u0626\u0645\u064b\u0627 \u0627\u0644\u0627\u062e\u062a\u064a\u0627\u0631 \u0645\u0627 \u0628\u064a\u0646 \u0627\u0644\u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u0634\u0627\u0645\u0644\u0629 \u0648\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0636\u062f \u0627\u0644\u063a\u064a\u0631\u060c \u0645\u0639 \u0625\u0645\u0643\u0627\u0646\u064a\u0629 \u0625\u0636\u0627\u0641\u0629 \u0645\u0645\u064a\u0632\u0627\u062a \u0627\u062e\u062a\u064a\u0627\u0631\u064a\u0629 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u062d\u0645\u0627\u064a\u0629 \u0623\u0643\u0628\u0631.<\/p>\n\n\n\n

<\/div>\n\n\n\n

\u0645\u0646\u0627\u0641\u0639 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0634\u0627\u0645\u0644<\/h3>\n\n\n\n

– \u062a\u0623\u0645\u064a\u0646 \u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0632\u062c\u0627\u062c \u0627\u0644\u0623\u0645\u0627\u0645\u064a \u0644\u0644\u0633\u064a\u0627\u0631\u0629.<\/p>\n\n\n\n

– \u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u062d\u0631\u064a\u0642 \u0648\u0627\u0644\u0633\u0631\u0642\u0629.<\/p>\n\n\n\n

– \u062e\u062f\u0645\u0629 \u0627\u0644\u0645\u0633\u0627\u0639\u062f\u0629 \u0639\u0644\u0649 \u0627\u0644\u0637\u0631\u064a\u0642 7\/24.<\/p>\n\n\n\n

– \u0633\u064a\u0627\u0631\u0629 \u0628\u062f\u064a\u0644\u0629.<\/p>\n\n\n\n

– \u062e\u062f\u0645\u0629 \u0627\u0644\u0625\u0633\u0639\u0627\u0641.<\/p>\n\n\n\n

– \u062e\u0635\u0645 \u0639\u062f\u0645 \u0648\u062c\u0648\u062f \u0645\u0637\u0627\u0644\u0628\u0627\u062a.<\/p>\n\n\n\n

– \u0627\u0644\u0645\u0633\u0627\u0639\u062f\u0629 \u0639\u0644\u0649 \u0627\u0644\u0637\u0631\u0642 \u0627\u0644\u0648\u0639\u0631\u0629.<\/p>\n\n\n\n

– \u062e\u062f\u0645\u0629 \u0642\u0637\u0631 \u0627\u0644\u0633\u064a\u0627\u0631\u0629.<\/p>\n\n\n\n

– \u0623\u0645\u064a\u0627\u0644 \u0636\u064a\u0641 \u0627\u0644\u0627\u062a\u062d\u0627\u062f.<\/p>\n\n\n\n

<\/div>\n\n\n\n

\u0637\u0648\u0643\u064a\u0648 \u0645\u0627\u0631\u064a\u0646 \u0644\u0644\u062a\u0623\u0645\u064a\u0646<\/h3>\n\n\n\n

\u0625\u062d\u062f\u0649 \u0623\u0642\u062f\u0645 \u0648\u0623\u0639\u0631\u0642 \u0634\u0631\u0643\u0627\u062a \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0631\u0643\u0628\u0627\u062a \u0641\u064a \u0627\u0644\u064a\u0627\u0628\u0627\u0646\u060c \u0623\u0633\u0633\u062a \u0633\u0646\u0629 1879\u060c \u0634\u0631\u0651\u0639\u062a \u0623\u0628\u0648\u0627\u0628\u0647\u0627 \u0641\u064a \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a \u0627\u0644\u0639\u0631\u0628\u064a\u0629 \u0627\u0644\u0645\u062a\u062d\u062f\u0629 \u0633\u0646\u0629 1976 \u0644\u062a\u0642\u0648\u062f \u0627\u0644\u0633\u0648\u0642 \u0641\u064a \u0627\u0633\u062a\u0637\u0644\u0627\u0639\u0627\u062a \u0645\u0627 \u0642\u0628\u0644 \u0627\u0644\u0645\u062e\u0627\u0637\u0631 \u0648\u0645\u0627 \u0628\u0639\u062f\u0629 \u0627\u0644\u062e\u0633\u0627\u0631\u0629 \u0645\u0646 \u0645\u0646\u0638\u0648\u0631 \u0625\u062f\u0627\u0631\u0629 \u0627\u0644\u0645\u062e\u0627\u0637\u0631.<\/p>\n\n\n\n

\u062d\u0627\u0632\u062a \u0637\u0648\u0643\u064a\u0648 \u0645\u0627\u0631\u064a\u0646 \u0639\u0644\u0649 \u062c\u0648\u0627\u0626\u0632 \u0639\u0627\u0644\u0645\u064a\u0629 \u0648\u0639\u0644\u0649 \u062a\u0642\u064a\u0645 \u0623+ \u0645\u0646 \u0642\u0628\u0644 \u0645\u0624\u0633\u0633\u0629 \u0633\u062a\u0627\u0646\u062f\u0631\u062f \u0622\u0646 \u0628\u0648\u0631\u0632<\/a>\u060c \u0648\u0646\u0627\u0644\u062a \u062c\u0648\u0627\u0626\u0632 \u0623\u062e\u0631\u0649.<\/p>\n\n\n\n

\u062a\u062a\u0645\u064a\u0632 \u0637\u0648\u0643\u064a\u0648 \u0645\u0627\u0631\u064a\u0646 \u0639\u0646 \u063a\u064a\u0631\u0647\u0627 \u0645\u0646 \u0634\u0631\u0643\u0627\u062a \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0645\u0631\u0643\u0628\u0627\u062a \u0641\u064a \u0633\u0631\u0639\u0629 \u0645\u0639\u0627\u0644\u062c\u0629 \u0627\u0644\u0645\u0637\u0627\u0644\u0628\u0627\u062a \u0648\u0628\u0641\u0639\u0651\u0627\u0644\u064a\u0629 \u0644\u0627\u0641\u062a\u0629.<\/p>\n\n\n\n

<\/div>\n\n\n\n
\"\u0637\u0648\u0643\u064a\u0648<\/a><\/figure>\n\n\n\n
<\/div>\n\n\n\n
\n
\u0644\u0627 \u062a\u0641\u0648\u062a \u0641\u0631\u0635\u0629 \u0627\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0623\u0641\u0636\u0644 \u062a\u0623\u0645\u064a\u0646 \u0633\u064a\u0627\u0631\u0629!<\/a><\/div>\n<\/div>\n\n\n\n
<\/div>\n\n\n\n

\u0645\u064a\u0632\u0627\u062a \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0633\u064a\u0627\u0631\u0629<\/h3>\n\n\n\n

– \u0625\u0635\u0644\u0627\u062d \u0627\u0644\u0648\u0643\u0627\u0644\u0629 \u062d\u062a\u0649 5 \u0633\u0646\u0648\u0627\u062a.<\/p>\n\n\n\n

– \u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u0633\u0627\u0626\u0642 \u0648\u0627\u0644\u0631\u0643\u0627\u0628.<\/p>\n\n\n\n

– \u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u0645\u0642\u062a\u0646\u064a\u0627\u062a \u0627\u0644\u0634\u062e\u0635\u064a\u0629.<\/p>\n\n\n\n

– \u062e\u062f\u0645\u0629 \u0627\u0644\u0645\u0633\u0627\u0639\u062f\u0629 \u0639\u0644\u0649 \u0627\u0644\u0637\u0631\u064a\u0642 24\/7.<\/p>\n\n\n\n

– \u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u0643\u0648\u0627\u0631\u062b \u0627\u0644\u0637\u0628\u064a\u0639\u064a\u0629.<\/p>\n\n\n\n

– \u0648\u062a\u063a\u0637\u064a\u0629 \u0639\u0645\u0627\u0646.<\/p>\n\n\n\n

– \u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u0645\u0633\u0624\u0648\u0644\u064a\u0629 \u0627\u0644\u0642\u0627\u0646\u0648\u0646\u064a\u0629.<\/p>\n\n\n\n

– \u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u0632\u062c\u0627\u062c \u0627\u0644\u0623\u0645\u0627\u0645\u064a.<\/p>\n\n\n\n

<\/div>\n\n\n\n

\u0627\u0644\u0645\u062a\u062d\u062f\u0629 \u0644\u0644\u062a\u0623\u0645\u064a\u0646<\/h2>\n\n\n\n

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<\/div>\n\n\n\n

\u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0636\u062f \u0627\u0644\u063a\u064a\u0631<\/h3>\n\n\n\n

– \u062a\u063a\u0637\u064a\u0629 \u0623\u0636\u0631\u0627\u0631 \u0627\u0644\u0637\u0631\u0641 \u0627\u0644\u062b\u0627\u0644\u062b.<\/p>\n\n\n\n

– \u0625\u0645\u0643\u0627\u0646\u064a\u0629 \u0625\u0636\u0627\u0641\u0629 \u062a\u063a\u0637\u064a\u0629 \u0627\u0644\u062d\u0648\u0627\u062f\u062b \u0627\u0644\u0634\u062e\u0635\u064a\u0629.<\/p>\n\n\n\n

– \u0625\u0636\u0627\u0641\u0629 \u0646\u0641\u0642\u0627\u062a \u0627\u0644\u0637\u0627\u0631\u0626 \u0627\u0644\u0637\u0628\u064a\u0629.<\/p>\n\n\n\n

<\/div>\n\n\n\n

\u0628\u0627\u064a \u0623\u0646\u064a \u0627\u0646\u0634\u0648\u0631\u0646\u0633<\/h2>\n\n\n\n
<\/div>\n\n\n
\n
\"\u0634\u0631\u0643\u0627\u062a<\/figure><\/div>\n\n\n
<\/div>\n\n\n\n

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<\/div>\n\n\n\n

\u0623\u0647\u0645 \u0645\u0645\u064a\u0632\u0627\u062a \u0628\u0627\u064a \u0623\u0646\u064a \u0627\u0646\u0634\u0648\u0631\u0646\u0633<\/h3>\n\n\n\n

– \u062a\u0648\u0644\u064a\u0641\u0629 \u0645\u062b\u0627\u0644\u064a\u0629 \u0645\u0646 \u0627\u0644\u062e\u0628\u0631\u0629 \u0648\u0627\u0644\u062a\u062c\u0631\u0628\u0629 \u0644\u062a\u0642\u062f\u064a\u0645 \u0623\u0641\u0636\u0644 \u0627\u0644\u062e\u062f\u0645\u0627\u062a \u0644\u0643.<\/p>\n\n\n\n

– \u0627\u062d\u0635\u0644 \u0639\u0644\u0649 \u062f\u0639\u0645 \u0627\u0644\u0639\u0645\u0644\u0627\u0621 24\/7 (\u0627\u062e\u062a\u064a\u0627\u0631\u064a \u2013 \u062e\u0628\u0631\u0627\u0621 \u0645\u062a\u0639\u062f\u062f\u0648 \u0627\u0644\u0644\u063a\u0627\u062a).<\/p>\n\n\n\n

– \u0642\u0627\u0631\u0646 \u0648\u0627\u062d\u0635\u0644 \u0639\u0644\u0649 \u0639\u0631\u0648\u0636 \u0627\u0644\u0623\u0633\u0639\u0627\u0631 \u0645\u0646 \u0623\u0641\u0636\u0644 \u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0641\u064a \u0627\u0644\u0625\u0645\u0627\u0631\u0627\u062a.<\/p>\n\n\n\n

– \u0627\u062d\u0635\u0644 \u0639\u0644\u0649 \u0645\u0633\u0627\u0639\u062f\u0629 \u062e\u0628\u0631\u0627\u0626\u0646\u0627 \u0627\u0644\u0645\u0644\u062a\u0632\u0645\u064a\u0646 \u0627\u0644\u0630\u064a\u0646 \u064a\u062a\u0645\u062a\u0639\u0648\u0646 \u0628\u062e\u0628\u0631\u0629 \u062a\u0632\u064a\u062f \u0639\u0646 15 \u0639\u0627\u0645\u064b\u0627 \u0641\u064a \u0627\u0644\u0633\u0648\u0642.<\/p>\n\n\n\n

– \u0648\u0627\u062d\u0635\u0644 \u0639\u0644\u0649 \u0646\u0635\u064a\u062d\u0629 \u062d\u064a\u0627\u062f\u064a\u0629 \u0644\u0627\u062e\u062a\u064a\u0627\u0631 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0630\u064a \u064a\u0644\u0628\u064a \u062d\u0627\u062c\u0627\u062a\u0643.<\/p>\n\n\n\n

– \u0627\u062d\u0635\u0644 \u0639\u0644\u0649 \u0648\u062b\u064a\u0642\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646 \u0641\u064a 60 \u062f\u0642\u064a\u0642\u0629 \u0641\u0642\u0637!<\/p>\n\n\n\n

<\/div>\n\n\n\n

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<\/div>\n\n\n\n

\u0627\u0642\u0631\u0623\/\u064a \u0623\u064a\u0636\u064b\u0627<\/h2>\n\n\n\n

\u062a\u0623\u0645\u064a\u0646 \u0635\u062d\u064a \u062f\u0628\u064a \u0648\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0623\u0645\u064a\u0646 [\u062f\u0644\u064a\u0644\u0643 \u0627\u0644\u0634\u0627\u0645\u0644]<\/a><\/p>\n\n\n\n

\u0623\u0647\u0645 \u0627\u0644\u062e\u0637\u0648\u0627\u062a \u0641\u064a \u0637\u0631\u064a\u0642\u0629 \u062a\u0642\u062f\u064a\u0645 \u0634\u0643\u0648\u0649 \u0639\u0644\u0649 \u0634\u0631\u0643\u0629 \u0627\u0644\u062a\u0623\u0645\u064a\u0646<\/a><\/p>\n\n\n\n

\u0639\u0631\u0648\u0636 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a \u2013 \u0645\u0627 \u0627\u0644\u062d\u0645\u0627\u064a\u0629 \u0627\u0644\u062a\u064a \u062a\u062d\u062a\u0627\u062c\u0647\u0627 \u0641\u0639\u0644\u064b\u0627\u061f<\/a><\/p>\n\n\n\n

\u0667 \u0642\u0631\u0627\u0631\u0627\u062a \u0645\u0647\u0645\u0629 \u0648\u0645\u0624\u062b\u0631\u0629 \u0641\u064a \u062a\u062d\u062f\u064a\u062f \u0633\u0639\u0631 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0633\u064a\u0627\u0631\u0629<\/a><\/p>\n\n\n\n

\u0661\u0660 \u0623\u062e\u0637\u0627\u0621 \u0625\u064a\u0627\u0643 \u0623\u0646 \u062a\u0631\u062a\u0643\u0628\u0647\u0627 \u0639\u0646\u062f \u0634\u0631\u0627\u0621 \u062a\u0623\u0645\u064a\u0646 \u0627\u0644\u0633\u064a\u0627\u0631\u0629<\/a><\/p>\n\n\n\n

<\/div>\n\n\n\n

\u062a\u0648\u0627\u0635\u0644 \u0645\u0639\u0646\u0627 \u0627\u0644\u0622\u0646! \ud83d\udc47<\/strong><\/p>\n\n\n\n

\n
\n

<\/p>

    <\/ul><\/div>\n
    \n
    \n<\/fieldset>\n
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    \n