ࡱ> qp{?`.bjbjEM&5&5&5&5&5&5&5:5BUBUBU8zULUT:5 &V(NV:VVVWX\*Y0$hn9&5p[WWp[p[&5&5VV4Gpppp[ &5V&5Vpp[ppx&5&5VV ;imBU*iv`R]0jmomm&5ZYLY6pY,ZhZYZYZY^pXZYZYZYp[p[p[p[:5:5:5F:5:5:5F:5:5:5&5&5&5&5&5&5 # 681.3.06  &/ ""#,   %  !"!#/    ...$5I5=:>, ..'04N:, ..3=0B5=:> @-6V-59B0 #:@0W=0, 03056, ;VB5E=VG=0, 33, :>@?. 2, :V7@>1:0 V=D>@-0=0;VB8G=>W A8AB5W >1@>1:8 40=8E V7 70AB>AC20==O< 45;59 ?@028;. :070=V ?@8=F8?8 DC=:FV>=C20==O B0:8E A8AB5<. 50;V70FVO A8AB53@03> ?@>4C:BC Blaze Advisor. This work deals with development of information analytic systems that provides intellectual data processing based on rule models technique. It is considered main principles of that systems functioning. System has been developed using Fair Isaac Blaze Advisor. ABC? @>1;51@>1:8 B0 28:>@8AB0==O 25;8:>3> >1AO3C =0:>?8G5=8E 40=8E T :;NG>2>N 4;O 1030BL>E >@30=V70FV9. /: ?@028;>, ?@8 @>7@>1FV 25;8:8E AE>28I [1] 40=8E 0:F5=B 7@>=C AB2>@5==O @V7=8E A8AB5@30=V70FVW, 715@V30==O B0 >1@>1:8 FVTW V=D>@28I5 0:C1>N A:;04=89 1030B>@V2=5289 B0 @V7=>@V4=89 48BL 4> B>3>, I> 1V;LH0 G0AB8=0 FVTW V=D>@<0FVW =5 65 1CB8 28:>@8AB0=0 B8=0 ?@87=0G5=0 V =091V;LH =5>1EV4=0  0=0;VB8:0<8 B0 :5@V2=8:0<8. "0:81@>1:8 =5>1EV4=8E 4;O 0=0;V7C 40=8E, WE ?@54AB02;5==O C 7@CG=V9 4;O A?@89=OBBO D>@<V 3> ?@89=OBBO @VH5=L :5@V2=8:0F5A ?>HC:C :>@8A=8E 40=8E C AE>28IV B>2:8 40=8E, 281>@C V=D>@7=0:, >G8I5==O 40=8E, 70AB>AC20==O 4V2 74>18GV 40=8E (Data Mining) [2], 0 B0:>6 >1@>1:8 V V=B5@?@5B0FVW >B@8<0=8E @57C;LB0BV2. &5=B@0;L=8< 5;5;>3VW T 48 Data Mining (DM), I> 4>72>;ONBL 7=0E>48B8 7=0==O 70 4>?>3>N <0B5@8B@8B@8AB>2C20=V ?@8 FL>, 28W :V;L:>ABV >1G8A;5=L. 0=VH5 F5 1C;> AB@8<CNG8:>3> ?@0:B8G=>3> 70AB>AC20==O DM, ?@>B5 AL>3>4=VH=T 7@>AB0==O ?@>4C:B82=>ABV ?@>F5A>@V2 7=O;> 3>AB@>BC FVTW ?@>1;5<8. "5?5@ 70 ?@89=OB=89 G0A 6=0 ?@>25AB8 O:VA=89 0=0;V7 A>B5=L B8AOG V =02VBL =V2 70?8AV2. @8 FL>AL 28I5, >A=>2=8@8ABC20G0B@8W V=D>@W <0B5W >A2VB8, B>B@8<0=V 72 O7:8 ABO3=>7=V E0@0:B5@8AB8:8 01> V=HV >7=0:8 ?>28==V 1CB8 ?@54AB02;5=V C 7@>7C@8ABC20G0-=5<0B5ABVH5 70 2A5 A?@89N ;>3VG=V :>=AB@C:FVW O:I> ..., B>.... V;LH B>3>, B0:V ?@028;0 6CBL 1CB8 28:>@8AB0=V 2 @V7=8E ! O: SQL-70?8B8. # @07V, :>;8 >B@87>@V 4;O :>@8ABC20G0, ?>28==V VA=C20B8 48 ?>AB>1@>1:8, I> 4>72>;ONBL ?@825AB8 WE 4> ?@89=OB=>3> 283;O4C. /: ?@028;>, 48 DM 28:>@8AB>2CNBLAO 4;O @>72 O70==O =0ABC?=8E 7040G: 1.;0A8DV:0FVO  2V4=5A5==O >1'T:BV2 (A?>AB5@565=L, ?>4V9) 4> >4=>3> 7 =0?5@54 2V4>1'T:BV2 (A?>AB5@565=L, ?>4V9) =0 >A=>2V 40=8E (2;0AB82>AB59), I> >?8ACNBL ACB=VABL >1'T:BV2. 1'T:B8 CA5@548=V :;0AB5@0 ?>28==V 1CB8 AE>6848= =0 >4=>3> V 2V4@V7=OB8AO 2V4 >1'T:BV2, I> C2V9H;8 4> V=H8E :;0AB5@V2. '86V >1'T:B8 CA5@548=V :;0AB5@0 V G8< 1V;LH5 2V4AB59 <V6 :;0AB5@0<8, B8G=VH5 :;0AB5@870FVO. 3. 53@5AVO, C B>3=>7C20==O. AB0=>2;5==O =5?5@5@2=8E 70;56=>AB59 28EV4=8E 7FV0FVO  28O2;5==O 70:>=>AB59 2'O70=84VOW 70:>=>ABV A;C68BL ?@028;>, O:5 2:07CT, I> 7 ?>4VW X 28E>48BL ?>4VO Y. "0:V ?@028;0 =07820NBLAO 0A>FV0B82=8?>=>20=0 4;O 7=0E>465==O B8?>28E H01;>=V2 ?>:C?>: C AC?5@4V WW I5 =07820NBL 0=0;V7>2>W :>@78=8 (market basket analysis). 5.>A;V4>2=V H01;>=8  2AB0=>2;5==O 70:>=>AB59 2'O70=84VO=V2. A:V;L:8 B5E=>;>3VO DM 28=8:;0 V ?@>4>26CT @>72820TBLAO =0 AB8:C B0:8E 48AF8?;V=, O: AB0B8AB8:0, B5>@VO V=D>@<0FVW, @VO 107 40=8E, B> FV;:>=>, I> 0;3>@8B<8 V 48 DM CB2>@NNBL >:@5<V =0?@O<:8,  ?>2 O70=V >48= 7 >4=8=F5=B@>20=0 =0 >4=>7?>2AN465=8E ?V4E>4V2 4> @>72 O70==O 7040G DM  45;59 ?@028;. "0:V 45;V 6CBL AB2>@N20B8 VT@0@EVG=C AB@C:BC@C B0 CB2>@N20B8 45@52> @VH5=L 01> >@30=V7>2C20B8AO C A:;04=V ?>B>:8 ?@028; B0 @>7@0EC=:>2V 45;V. # AB0BBV ?>:070=5 70AB>AC20==O FL>3> ?V4E>4C 4> >@30=V70FVW V=B5;5:BC0;L=>W >1@>1:8 40=8E 4;O 0=0;VB8G=>3> AE>28I0, >@VT=B>20=>3> =0 =0:>?8G5==O V=D>@2>3> E0@0:B5@C. !8AB5W >1@>1:8. ;O B>3> I>1 AE>28I5 40=8E A?@8O;> ?@89=OBBN @VH5=L, V=D>@28==0 1CB8 ?@54AB02;5=0 0=0;VB8:C 2 ?@89=OB=V9 D>@1B> 2V= ?>28=5= 728=CBV V=AB@CABC?C 4> 40=8E AE>28I0 B0 WE >1@>1:8. '0AB> V=D>@-0=0;VB8G=V A8AB5 AB2>@NNBLAO 2 @>7@0EC=:C =0 WE 157?>A5@54=T 28:>@8AB0==O >A>10<8, O:V ?@89ABV 2 70AB>AC20==V, 0;5 6>@AB:> >1=0;L=>ABV. "0:V AB0B8G=V A8AB5@<0FV9=8<8 A8AB5<0=8 1V ?>?5@54=L> 287=0G5=V 68=8 70?8BV2, 4>AB0B=V 4;O ?>B>G=>3> 0=0;V7C, 0;5 ?@8 28=8:=5==V 4>40B:>28E ?8B0=L, =5>1EV4=8E 4;O ?@89=OBBO @VH5==O, ?>B@51CNBL ?5@535=5@0FVW 70?8BC, I> 65 ?>B@51C20B8 3>48= B0 4=V2. "0:82=VH=O ?@>AB>B0 AB0B8G=8E A8AB548BL 4> 2B@0B8 3=CG:>ABV. 8=0<VG=V A8AB5<8 ?V4B@8@VT=B>20=V =0 >1@>1:C =5@53;020=8E 70?8BV2 0=0;VB8:V2. 091V;LH 3;81>:> 2838 4> B0:8E A8AB573;O=C2 .$.>44 C @>1>BV, I> ?>:;0;0 ?>G0B>: :>=F5?FVW OLAP [4]. >1>B0 0=0;VB8:V2 7 F8<8 A8AB5<0;O30T 2 V=B5@0:B82=V9 ?>A;V4>2=>ABV D>@A;V465==O WE @57C;LB0BV2. 8=0<VG=V !  6CBL 4VOB8 =5 BV;L:8 2 >1;0ABV >?5@0B82=>W 0=0;VB8G=>W >1@>1:8 (OLAP). V4B@8A=>2V =0:>?8G5=8E 40=8E 65 28:>=C20B8AO C B@L>E 107>28E >1;0ABOE[5]: 45B0;V7>20=8E 40=8E. &5 >1;0ABL 4VW 1V;LH>ABV A8AB5HC: V=D>@ABV 28?04:V2 @5;OFV9=V ! @>72 O7CNBL 7040GV, I> 28=8:0NBL 2 FL>74V;V. 030;L=>?@89=OB8< <0=V?C;C20==O 40=8<8 T 20 AB@C:BC@>20=8E 70?8BV2 SQL; 03@53>20=8E ?>:07=8:V2. >3;O4 =0 7V1@0=C C AE>28IV 40=8E V=D>@0B@81CB=89 0=0;V7 O2;ONBLAO 7040G0<8 A8AB5?5@0B82=>W 0=0;VB8G=>W >1@>1:8 (OLAP) [6]. "CB 6=0 >@VT=BC20B8AO =0 A?5FV0;L=V 1030B>28 70;8H0B8AO 2 @0;>3V9; 70:>=>AB59. =B5;5:BC0;L=0 >1@>1:0 2V41C20TBLAO 70 4>?>3>N 4V2 V=B5;5:BC0;L=>3> 0=0;V7C 40=8E (, Data Mining) [7], 3>;>2=8<8 7040G03> O2;ONBLAO ?>HC: DC=:FV>=0;L=8E V ;>3VG=8E 70:>=>AB59 2 =0:>?8G5=V9 V=D>@1C4>20 45;59 V ?@028;, I> E0@0:B5@87CNBL AB0= 01> ?@>3=>7CNBL @>728B>: ?52=8E ?@>F5AV2. >2=0 AB@C:BC@0 V=D>@-0=0;VB8G=>W A8AB51C4>20=>W =0 >A=>2V AE>28I0 40=8E, ?>:070=0 =0 @8A. 1.  :>=:@5B=8E @50;V70FVOE >:@5=5=B8 FVTW AE5<8 6CBL 1CB8 2V4ACB=V. >73;O=5 A8AB53> 0=0;V7C 40=8E, ?>1C4>20=C =0 >A=>2V 45;59 ?@028;.  EMBED Word.Picture.8  8A. 1. 030;L=0 AB@C:BC@0 V=D>@-0=0;VB8G=>W A8AB5@5==O 45;V A8AB5@8AB0==O 4;O >FV=:8 ?52=8E E0@0:B5@8AB8: T >4=VTN 7 :;NG>28E 1C4>28 A8AB5W >1@>1:8 40=8E. ;0A=5 45;;N ?@028; =07820TBLAO H01;>=V7>20=5 ?@54AB02;5==O 3@C?8 ?@028; 4;O >1@>1:8 40=8E. "0:V ?@54AB02;5==O 70728G09 >@30=V7>2CNBLAO 2 B01;8FV, I> 4>72>;OT D>@@8B1>B8 B0 4>?>4=V H01;>=8 ?@028;. # B01;8FV ?@82545=> ?@8:;04 >?8AC ?@028;. 0?8A8 2 ;V28E AB>2?FOE  C20 ?@028; (C2=89 >?5@0B>@), C ?@02>2?FV  ?V4AC: ?@028;0 (=0A;V4>:). @8:;04 45;V ?@028; "01;8FO 0720 ?@028;0/) 8:>=CTBLAO  V@=> " 57C;LB0B @028;> 1"0:"0:= 0.6@028;> 2VV = 0@028;> 3"0:V = 0.5 # ?5@H>2?FV 4;O 7@CG=>ABV 2:07CTBLAO =0720 ?@028;0. 0ABC?=V 45:V;L:0 AB>2?FV2 <VABOBL C28 V >AB0==V9  @57C;LB0B ?@028;0, 70728G09 ?52=C A:>@8=3>2C 71@065=> B@8 ?@028;0. # =8E >4=0:>2V 45;V C2 V @57C;LB0BV2, 0;5 5:75<?;O@ 45;V C :>6=>3> ?@028;0 A2V9. >45;V ?@028; 206;82V B8 40NBL 2V7C0;L=89 <5E0=V7AO3=5==O <5B8 0=0;V7C. 5@H0 <5B0  2V44V;8B8 C28 ?@028; 2V4 WE @57C;LB0BV2. @C30  01AB@03C202H8 C28 V @57C;LB0B8, >B@8W AB@C:BC@8 ?@>ABVH5 282G0B8 A5<0=B8G=C FV;VA=VABL ?@028;. 5@H8:>@5==O 45;V ?@028; T 0=0;V7 ?@028;, 70DV:A>20=8E 0=0;VB8:04V @>1>B8. >BV6V 70 A5N ?@028;0 V CB2>@8B8, B0:8<, 45;V. AB0==V< T ?@82 O7:0 45;V 4> @50;L=8E 5;528I0. V47=0G8, I>, E>G >@30=V70FVO 65 <0B8 B8AOGV ?@028;, 45;59 ?@028; 1C45 7=0G=> 45;L ?@028; =04728G09=> 206;820 4;O 0=0;V7C. 0AB>A>2CNG8 WE, 6=0 ?V428I8B8 O:VABL =01>@V2 ?@028;, >A:V;L:8 28O2;ONBLAO: =044=VTW 45;V; 4C1;N20==O ?@028; (@<0 =04ABV); AC?5@5G=>ABV 2 45;V ?@028;; =5?>2=>B0 45;V ?@028; (G8 T 2AV ?>B@V1=V 28@078, 5:752>: 7=0G5=L). 5>1EV4=> ?0 O:VA=V ?@028;0, O: V O:VA=V 40=V, ?>28==V 1CB8 =5?>4V;L=8<8, 45:;0@0B82=8<8, OA=8G=8<8 V =04V9=8@8 ?@028;  ?>2=8<8, C=V:0;L=8A;V4>2=82V4=>, =570;56=> 2V4 ?@89>1>B8 7 ?@028;018B8 FV;L=8?>3>N H01;>=V2 V 7030;L=>3> A;>2=8:0, CAC20B8 =047102;OB8AO 2V4 AC?5@5G=>AB59, I>1 :>6=0 45;L ?@028; 1C;0 28G5@?=>N, 0 25AL =01V@ ?@028; C 45;V  ?>2=81>BC 7 0B@81CB0 0=0;V7C20B8 7 B>G:8 7>@C =5 BV;L:8 A5W O:>ABV, 0;5 V 270T70;56=>ABV. 4=5 ?@028;> 70;568BL 2V4 V=H>3>, O:I> ?5@H>B@V1=V @57C;LB0B8 4@C3>3>. 70T70;56=VABL ?@028; 70157?5GCT 206;82C ?>A;V4>2=VABL =0 2E>4V np2    L N |  B D RTbd46$ мбhoh\*NHmH"sH"hoh\*mH"sH"hoh\*mH sH hoh\*NH hoh\*hhh\*NH hh\*h\* h^h\* hhh\* h\*h\*@ P  N ">1>G8E ?>B>:V2. A=>2=V 5B0?8 @>7@>1:8 45;V ?@028;. >7@>1:0 45;V ?@028;  A:;04=89 ?@>F5A, O:89 ?>28=5= 2:;NG0B8 282G5==O ?@54W >1;0ABV, ?@>F5AV2, 7040G B0 157?>A5@54=T A?V;:C20==O 7 :V=F528@8ABC20G0<8, 0=0;VB8:0<8 B0 5:A?5@B07@>1:8 <0T 1CB8 4C;L ?@028; 2 7030;L=V9 V=D>@-0=0;VB8G=V9 A8AB5 @50;V7CT V=B5;5:BC0;L=C >1@>1:C, >FV=:C B0 DV;LB@0FVN V=D>@28I0 40=8E. &59 ?@>F5A 2:;NG0T, I>=09B8@8 1>GV A?5F8DV:0FVW ?@028;; ?@82 O7:C ?@028; 4> ?@>F5AV2 2 !; 4>:;04=V A?5F8DV:0FVW @50;V70FVW :>6=>3> ?@028;0; V=B53@0FVN 4C;O ?@028; 2 0@EVB5:BC@C !. >FV;L=> 2V47=0G8B8 B0 >E0@0:B5@87C20B8 45O:V 5B0?8 @>7@>1:8. B0? 1. 87=0G5==O <VAFO 45;V ?@028; 2 7030;L=V9 0@EVB5:BC@V A8AB5AC20==O 4C ?@028; 28:>3> 0=0;V7C WW 0@EVB5:BC@8. $0:B8G=> 45;L ?@028; :>=B@>;NT ?>B>:8 40=8E C AE>28IV, >FV=NT WE AB@C:BC@C 70 ?52=8@8B<02V4>@8ABC20G0 ?@> 28O2;5=V @57C;LB0B8. ">7@>1:0 4C;O ?@028; ?>28==0 AC?@>2>46C20B8AO AB2>@5==O28I0 4;O @57C;LB0BV2 0=0;VB8G=>W >1@>1:8 B0 2V4?>2V4=8E V=B5@D59AV2 270T4VW 7 :>@8ABC20G028E 283 4> @V2=O ?@028;, DC=:FV>=0;L=8E B0 B5E=VG=8E. >6=0 284V;8B8 420 >A=>2=V B8?C 45;59 ?@028;: 02B>=>3>2V.  :>=5=B0E ?5@H>3> B8?C 40=V 0=0;V7CNBLAO ?>ABV9=> (01> @53C;O@=>), 0 @57C;LB0B8 715@V30NBLAO. &5 E0@0:B5@=>, =0?@8:;04, 4;O A8AB52=5==O AE>28I0 =>2>N V=D>@<0FVTN.  45;OE 4@C3>3> B8?C @>1>B0 2V41C20TBLAO =0 283C :>@8ABC20G0, O:89 D>@<CT 2838 B0 >B@85:BC20==O ?@028; 2 45;V. '5@3>2VABL 5B0?V2 @>7@>1:8 65 1CB8 @V7=>N, 70;56=> 2V4 B8?C 45;V, 2V4 DC=:FV>=0;L=>ABV A8AB5 >11EV4=8E @>1>G8E ?>:07=8:V2. @8 @>1>BV 7 02B>=>N 45;;N ?@>5:BC20==O V 2?@>20465==O ?@028; A;V4 ?@82'O7C20B8 4> 40=8E. ;O FL>3> A?>G0B:C 287=0G0NBLAO B01;8FV V ?>;O AE>28I0, 70728G09 C D>@<V 45;V 40=8E 01> >1'T:BV2. >BV@<C;NNBLAO ?@028;0 4;O 40=8E, 70 O:8AB5@V30B8<5 45;L. @028;0 28@060NBLAO 45:;0@0B82=>, E>G0 4;O FL>3> 65 1CB8 ?>B@V15= ?5@5:;04.  @57C;LB0BV <0T >B@8<0B8 68=8 ?@028; O:I>..., B>...., >@30=V7>20=V C 283;O4V B01;8FL. # 4V0;>3>2V9 45;V ?@>5:BC20==O ?@028; 70728G09 A?8@0NBLAO =0 ?@>F5A. /: ?@028;>, AB2>@NTBLAO >1'T:B=0 45;L, O:0 ?>28==0 70157?5G8B8 ?5@540GC V AC@8AB0==O 40=8E. @8 FL>:@57@>1FV V=B5@D59AC :>@8ABC20G0, O:89 ?>28=5= 4>72>;OB8 704020B8 B0 ?@>3;O40B8 ?@028;0, 1CB8 ?@>AB87C<V;85:BC20==O ?@028; 28 :>28B8 G5@3>2VABL 28:>=0==O :>28B8 G5@3>2VABL 28:>=0==O ?@028; CA5@548=V :>>?@0FN20==O 1078 40=8E. >7@>1:0 A8AB5<8 702648 28N20==O 1078 40=8E. 57C;LB0B>1>B8 45;V ?@028; 1C45 ?52=0 0=0;VB8G=0 V=D>@1EV4=> 715@V30B8, 1060=> 2 E@>=>;>3VG=>@O4:C, B0 28:>@8AB>2C20B8 4;O 24>A:>=0;5==O A8AB5G=5==O 203>28E :>5DVFVT=BV2 B>I>.  E>4V =0AB@>N20==O ?>B@V1=0 A?V2?@0FO ?@>5:BC20;L=8:0 ?@028; V @>7@>1=8:0 107 40=8E. B0? 5. 81V@ A5@54>28I0 @50;V70FVW. 060=> 28:>@8AB>2C20B8 A?5FV0;V7>20=5 A5@54>28I5 @>7@>1:8, ?@87=0G5=5 4;O AB2>@5==O 45;59 ?@028;, I> 4>72>;8BL H284:> B0 5D5:B82=> @>7@>1;OB8, 2?@>2046C20B8 B0 24>A:>=0;N20B8 45;V ?@028;. 040G0 ?>HC:C ?@8E>20=8E 72 O7:V2. 0AB>ACT >?8A0=89 ?V4EV4 4> 7040GV ?>HC:C 6;828E ?@8E>20=8E 72 O7:V2 C AE>28IV 40=8E, I> @ DV=0=A>2V >?5@0FVW DV78G=8E B0 N@848G=8E >AV1. ;O 28O2;5==O DV=0=A>28E  2V4A;V4:>2C20B8 6;82V 72 O7:8 B0 ;0=FN6:8 >AV1, I> 74V9A=NNBL 3@>H>2V >?5@0FVW. 2 O7:8, I> 6CBL VA=C20B8 <V6 DV78G=8<8 B0 N@848G=8A>10<8, 6=0 2V4=5AB8 4> >4=>3> 7 42>E B8?V2: 2>;>4V==O B0 V=D>@ 72 O7:V2 2>;>4V==O 1C45 2V4=>A8B8 BV, I> 28=8:0NBL 2=0A;V4>: 2>;>4V==O A?V;L=>N 2;0A=VABN (>48= V7 AC1 T:BV2 2>;>4VT G0AB8=>N 2;0A=>ABV V=H>3>). "0:0 A8BC0FVO G0AB> 28=8:0T 2 0:FV>=5@=8E B>20@8AB20E, E>;48=30E, =0 ?V4?@8T;5:B82=>N D>@N 2;0A=>ABV B>I>. =D>@;8 >48= V7 AC1 T:BV2 5:>=>W 4VO;L=>ABV 2>;>4VT G0AB8=>N V=D>@ 4VW V=H>3> (=0?@8:;04, 2;0A=8:8 @V7=8E ?V4?@8T48==8E 72 O7:0E, ?@>6820NBL 70 A?V;L=>N 04@5A>N B>I>). !8AB56=>3> B8?C 1C45 ?@54AB02;OB8 C 283;O4V >@VT=B>20=>3> 3@0DC 7 2030<8. 5E09 <0T 68=C A={a1& an} AC1 T:BV2 5:>=>W 4VO;L=>ABV, <V6 O:8<8 VA=CNBL ?@O1C4CT 3@0D (V(A),E(A)), 25@H8=03> T 5;5<5=B8 68=8 V(A)= {v1& vn}, 45 vj  25@H8=0, I> 2V4?>2V40T AC1 T:BC aj. 0O2=VABL 72 O7:C AC1 T:B0 ai 7 AC1 T:B>7=0G0B8 VA=C20==O 4C38 (>@VT=B>20=>3> @51@0) 3@0D0 eij 7 203>N cij, I> 4>@V2=NT ABC?5=N ?@O3> 72 O7:C <V6 AC1 T:B0<8. ;O ?@O3> 72 O7:C B8?C 2>;>4V==O 1C45 V=B5@?@5BC20B8 203C @51@0 cij O: G0AB:C 2;0A=>ABV >1 T:B0 j, O:>N 2>;>4VT >1 T:B i (=0?@8:;04, G0AB:0 0:FV9). ;O ?@O3> V=D>@3> 72 O7:C 1C45 V=B5@?@5BC20B8 203C @51@0 cij O: G0AB:C V=D>@ >1 T:B j, O:>N 2>;>4VT >1 T:B i. >1C4>20=89 3@0D 65 A:V;L:8 AC1 T:B 5:>=>W 4VO;L=>ABV 65 2>;>4VB8 G0AB8=>N A515 (=0?@8:;04, 0:FV>=5@=5 B>20@8AB2>, O:5 =5 ?@>40T G0AB8=C A2>WE 0:FV9) 01> 7=0B8 ?@> A515. >40;LH0 >1@>1:0 3@0DC V(A) >A=>20=0 =0 0;3>@8B 4>72>;OT >B@82=89 72 O7>: 2V;L=8<8 25@H8=0@8B7@0EC=:C ?>2=8E 72 O7:V2 ?>;O30T 2 =0ABC?=>2=8B8 <0B@8FV ?@O@8ABCNG8AL ?@028;0HC:C B0 287=0G5==O 72 O70=8E >AV1. 2. >7@0EC20B8 ?>2=V 72 O7:8 2>;>4V==O (107>289 0;3>@8B2=V 72 O7:8 2>;>4V==O B0 ?@O@ >B@8W 2C 70AB>AC20B8 107>289 0;3>@8B@8ABC20G52V 2 3@0DVG=> B01;8G=> @50;V7>20=> 2 @0@5==O A8AB5FV=:8 @878:V2 DV=0=A>28E >?5@0FV9, ?@87=0G5=>W 4;O 02B>20=>3> 0=0;V7C 40=8E 0=0;VB8G=>3> AE>28I0 =0 107V 45;59 ?@028; 7 N A:>@8=3>2>W >FV=:8 6;82>W ?@8G5B=>ABV DV=0=A>2>W >?5@0FVW 4> DV=0=AC20==O B5@>@87 2V4HBV2. # O:>ABV A5@54>28I0 @>7@>1:8 1C;> 281@0=> ?@>3@04C:B Blaze Advisor, ?@87=0G5=89 4;O AB2>@5==O, @>728B:C B0 ?V4B@83@01>B8 7 1V7=5A-?@028;0@V2=52V ?@8:;04=V ?@>3@0<=V A8AB5, @>7@0E>20=V =0 @>1>BC 7 1030BL@8ABC20G0A:V;L:8 ?@87=0G5=V 4;O :>@?>@0B82=>3> 28:>@8AB0==O. A=>2=8;V:> 1C4L-O:V 73VFV 01> DC=:FVOE 4>ABC?C 4> 40=8E A?@8G8=ONBL 1V;LHV G8 <5=HV 7 2V4 B>2I8=8 :;VT=B0), 282;5==O =>2>W :;VT=BAL:>W G0AB8=8 70=>2> =0 2AVE @>1>G8E ;>3VO @>7@>1:8 ?@028; A8AB572>;OT 2V44V;8B8 WE @50;V70FVN 2V4 ?@>3@03> :>4C. ">=:8AO30TBLAO =5>1EV4=0 3=CG:VABL =040==O A5@2VAV2 2V440;5=8< B5@<V=0;01>N 73@05:BC20==O >1'T:B=8E 45;59 AB2>@5==O V :5@C20==O ?@028;06 ACG0A=89 V=AB@C<5=B0@V9 4;O 35=5@0FVW, ?V4B@873>@B0==O :;VT=BAL:8E ?@>3@018 35=5@0FVW 4>72>;ONBL B0:>6 02B> >45@6C20B8 ?>2=VABN ?@0F5740B=C ?@>3@0@5=0 ?@8:;04=0 ?@>3@0<=0 A8AB5<0, AE5W ?@54AB02;5=0 =0 @8A 2. 0 AE51@065=0 0@EVB5:BC@0 DC=:FV>=C20==O. >@8ABC20G (0=0;VB8:) ?@0FNT 7 ?@>3@0<=8?>3>N Web-V=B5@D59A 0=0;VB8:0, O:89 G5@57 !5@25@ @>1>B8 7 ?@028;0<8 ?@0FNT 7 0:BC0;L=8<8 45;O<8 ?@028;. @8 7<V=V 45;V ?@028; C ;>:0;L=V9 107V A5@25@ 28:>=CT 35=5@0FVN V ?V4B@8<CT 0:BC0;L=VABL.  EMBED Visio.Drawing.6  8A.2. @EVB5:BC@0 A8AB5<8 4@ :>9:8 B0 45;V ?@028; G5@57 Web-V=B5@D59A 042:8 # AB0BBV @>73;O=CB> ?V4EV4 4> >@30=V70FVW V=B5;5:BC0;L=>W >1@>1:8 40=8E V7 70AB>AC20==O< 45;59 ?@028;. !B2>@5=> V=D>@ 0=0;VB8G=C A8AB52>W V=D>@28I0 40=8E. :070=> >A=>2=V 5B0?8 @>7@>1:8 45;V ?@028;. !8AB520=> =0 107V ?@>3@03> ?@>4C:BC Fair Isaac Blaze Advisor. !?8@;8-. >@?>@0B82=K5 E@0=8;8I0 40==KE. ;0=8@>20=85, @07@01>B:0 8 @50;870F8O. ".1: 5@. A 0=3;.  .: 74. 4>< 8;LO2A:89 .. !;>6=K9 0=0;87 40==KE 1>;LH>3> >1J52K5 ?5@A?5:B82K :>2 . . @8=F8?K ?@>5:B8@>20=8O 8 8A?>;L7>20=8O 3><5@=KE 107 40==KE (=0 ?@8.., 548=... 040G0 845=B8D8:0F88 D878G5A:8E 8 N@848G5A:8E ;8F 2 E@0=8;8I0E 40==KE ?@8 ?>8A:5 ?>4>7@8B5;L=KE D8=0=A>2KE >?5@0F89//0C:.-?@0:B. :>=D. 7 <V6=0@. CG0ABN !8AB5<8 ?V4B@8@VO V ?@0:B8:0, 7 G5@2=O 2005, 45;V V 70A>18 A8AB545;V V 70A>18 A8AB545;V V 70A>18 A8AB5< 107 40=8E V 7=0=L .. !0E20;>2, 2006 ISSN 1727-4907. @>1;5<8 ?@3@0<C20==O. 2006. ! 2-3. !?5FV0;L=89 28?CA:  PAGE 431 vx8:&(,.0֓6FHLNPZ\^xz|~bdΖЖBDė46BZ֟؟vxfh0hoh\*H*hoh\*6H*hoh\*6hoh\*5 hoh\*hoh\*NHQ42BjH^Эҭ8:T b`$ & F hh^ha$gd^3@&gd $7`7a$gd\* $@&a$gd$a$gd\*4gd14gd^02ޫ &X^`ЭҭTnp8:LT 2Z\PRbvB`z~μ٥wwwwlwlwlwwh^h\*CJaJh^h\*CJaJmH"sH"h^h\*6CJaJmH"sH"h\*h1h\*mH"sH"h\*mH"sH"jH!hhh\*UmH"sH"#jGtG hhh\*UVmH"sH"hhh\*mH"sH"jhhh\*UmH"sH"hoh\*6 hoh\*hoh\*NH* jlڻܻ޻ hh]h`hgd &`#$gd$ $%&dPa$gdgd $%&dPgd.@&gd?l$ & F hh^ha$gd^~и hjl»λлֻػڻ޻ֶ֯uhuYuhuhuh?l0JCJaJmHnHuhYh10JCJaJ!jhYh10JCJUaJh1h156mH"sH"h h156mH"sH"hLjhLU h=hh^h\*CJaJmHsH h^h\*CJNHaJmH"sH"h^h\*CJaJmH"sH"h^h\*6CJaJmH"sH"h^h\*CJaJ"LNPTr $&Φo]L?LLhKMh10JCJaJ!jhKMh10JCJUaJ"hKMh156CJaJmH"sH"hKMh15CJaJmH"sH"hh15CJaJmHsHhKMh15CJaJhh1mHsHhh1CJaJmHsHh156mH"sH"h h156mH"sH"h1hYh10JCJaJ!jhYh10JCJUaJh?l0JCJaJmHnHu޻NP(*,..@&gd?lgd  $%%gd  $%<gdgd$ $%&dPa$gd hh]h`hgd &`#$gd &(*,. h=hhLh1hKMh156mH"sH"C 00&P 1hP:pqkx]xTՕ3 ?!L&c0/$!fBBLXhhm4RiQSb!YWӚ"hm3/zhyQ/S*z0Sy%j܆F|r|~j>Hlsj O4Z+C&r>l4^#χ޷r0BUQQC~π@upoNpS"o=%򹐭-RmnV;qJp#4Ko+VUc<Z`*ӏHYBЖ,Ik%6R; (8%*JRbmfRqfC"X[7%m[~)Yg i#q(d \oW!xZOX },EGwı> !#!Nq6ak,>˃)3w{w;]g`=|ԧQR/#@K}> @]ݡy@7oO&~BӑH|X͇ UF5V[?io9Ta]Uua6gú+[ y /?h8 ؜ns?XUևUf wG"V"V h_~Fm zRcЏI`oXDM{KҼK_~ }9juߨu$\D?VI6!1=Y'1|f1tbUqNQtrc쏝?X%XŃkE W?F`h5Dot-\ ГU('VN!nFNfFYef6d޷[q 3cxFn]25 Ve̤^uI< Cй5 ~3̑vJ‡n";4fF}`܄c2߮3X[y^O3c-#9flQ3iʘ]1~nj3CmX3* }5f#|f̺oc=^WO8}fE깫z\s7JOL˷.uf'\x,5֞c7Ya)LyS=S|祔4OTJ~0џ)%˼,Wy@w~wwt,n~nZ͇ \Kյ8p!7u!Xc|3~Nt,5WaVOiì_U6{Y7%YGHv~kwmUܞ Rp_?q)k)Yk)* L~JeHLB]ZJŝ5k)r_qκ|uߨu$\fPR>E.!@H<]dqjk+ٜgI=  !"#$%&'()*+,-./0123456789:;?@ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefgijklmnortuvwxyz}~Root Entry F;imData h=WordDocumentEObjectPool;im;im_1203882255  F;im;imData s1Table|CompObjoDd -D  3 @@"?B@B 1KG=K9CJ_HaJmHsHtHBAB A=>2=>9 H@8DB 0170F0XiX 1KG=0O B01;8F04 l4a .k. 5B A?8A:0%,3Uds0O%,3Uds03 O  @VOBCIJPrPD%>># v:v:v:v:v: v: v:v:Xv:(v:(v:(v:v:ABCHIJOPqrLMP0000@000@00000000000000000 O_8 !@   (  j  `B> #  s"*?`  c $X99?`B>n  C 0*0*"`1;?3   0PF0*PF0*"`8.\< 4R  59;]<z  c $PF0*PF0*"`/84= z  c $PF0*PF0*"`8c= 4R    9]<4b   8 =4b   <8A=4B   !5S 74B     B    #4B   G$:N  B 3 G9H> W27 #B S  ?OD%Pt) &P@PprP@CGJNPprPPP$>U{(T0  ~Sd")KZaJ<fR5hydC485 V!2#;j#p=$YX$`%*&s'I(s(T)[|*32,i,-bR-?Y-90}90!1I19X1d12Ew2L84+6mG:;.;I*i?$ASA;BPBZxBg'DDWE0G8cGpHkI~ JME%MgaMf5NA PQ1RySo2T`QUUCVWQ>W6OW]W XcYX'*Yj:]h]vj]D ^k|`labVc cC#cecdWeaafg/hAphJ}hJi8iDxiQJj\jm|o/phqq#quHqDr1stSItMPt\upvCwxw#{|s4|3}*}/0XjL&g2 K,,D,n`"_} _\ i$(}lZ-i+T "s78 * NfOr@Bk@u&P\VnR  777$h\H!D7"777 M ===7"" D =7==rD= JG Yj=0>=j=D=t77=77777-777>7777bbb$ bbb Xlz  SHAPE \* MERGEFORMAT  "@0=70:FV9=V A8AB528I5 40=8E VB@8=8 40=8E =D>@<0FV9=V A8AB5@8 70?8BV2, =D>@-?>HC:>2V A8AB5<8 02468:    h j l ^fhjlnƺƺƟƟƟƟƟƂwhhh CJaJmH"sH"hh CJaJUhbCJaJmH"sH"hih CJaJmH"sH"h CJaJmH"sH"hh CJaJmH sH h CJaJmH sH h hh CJaJmH"sH"hDjhCwUjhUmHnHuhjhU(:   j l jl$a$gdbgdb$a$gd gd :!8AB5?5@0B82=>W 0=0;VB8G=>W >1@>1:8 40=8E (OLAP) !8AB53> 0=0;V7C 40=8E () hDhh hh CJaJmH"sH"h CJaJmH"sH"21h:pCwN N!" #!$% Oh+'0l  ( 4 @LT\d KthulthuNormalCthulhu2Microsoft Office Word@F#@y֩G@<=G՜.+,0  hp  Kadaff   Title_1200583751F;im;imOle EPRINT 8CompObjqlaG$/ EMF82PpF, EMF+@``FEMF+0@?@ @ @@2eA\C0eA6YC`BG5VCeBH5VCJk#BG5VCƘ/B6YCȘ/B\CȘ/B\CȘ/B\CȘ/B\CȘ/B`CMk#BȟcCeBȟcC`BȟcC4eA`C2eA\C@!b $$==%  ;U\  d Rd d       :R::  , % $$AAFD8EMF+@<0N?@A UjCJB UjCeBCJBCeBɟcCeBCAC2eA\C0eA6YC`BG5VCeBH5VCJk#BG5VCƘ/B6YCȘ/B\CȘ/B\CȘ/B\CȘ/B\CȘ/B`CMk#BȟcCeBȟcC`BȟcC4eA`C2eA\C@$$==_888 % % ;x6,RS6,R:Y$RSx XX d Rd d       :R::  <@4"% % $$AA( FEMF+*@$TBBMAC@D89=ARIAL UNICODE MS@H*> ׃?@, = =   RpArial Unicode MSMonotype - Ari44@X2_12| 8_1_1d2d20_NW_12N1SNZ߯Do2_12|x_1_1/4|8|2|||PPN_1\o2Xu2ȀN!W_1D_1dd2dv% TT#.AUA-LP% F<0EMF+@, = ==   % TT#.AUA-LP=% F =0   % TT#!.AUA-LP0% F =;   % TT##'.AUA#-LP;% Fl`EMF+6@\P 9c=I>8>I>G>I>q>I>??FEMF++@ *@$TBBMAC@D89=ARIAL UNICODE MS6@@4V>I>??   % TT(#(.AUA(-LPV% FEMF++@ *@$TBBMAC@D89=ARIAL UNICODE MS@H*> ׃?@, f&> =B   % TT*#-.AUA*-LPB% F =8   % TT/#3.AUA/-LP8% F =:   % TT4#7.AUA4-LP:% FdXEMF+6@TH >I>q\>I>q>I>??FEMF++@ @2eAg5B0eA#&B`BǒBeBȒBJk#BƒBƘ/B &BȘ/Bg5BȘ/Bg5BȘ/Bg5BȘ/Bg5BȘ/Bl9DBMk#B>I>*G>I>DZ>I>UU>I>>I>c>I>U>I>>I> ?I>U?I>q)?I>8n9?I>??   ( RpArialMonotype:Arial Regular:Ve?!33333300 _`|~`~!`/|p|m||| Ø>5 wLl_1|||Nw>5!w w dv% Tu@AUA~ Lh4@% F@4EMF++@ @$>B55B(CzmA$$==% % V0u?ORRR% % $$AAFEMF+@<0NY?@HBIBCIBC55B>B55B>BIB@$$==_888% % V0s> QRRR% % $$AA( F4(EMF+ @$>BPB(CA$$==% % V0u&@RnRnRn% % $$AAFEMF+@<0NY?@HB55BC55BCPB>BPB>B55B@$$==_888% % V0s% BRnRnR% % $$AA( FEMF+*@$TBB>BPB@0$9=ARIAL6@ interface7?>=G?>=WM?>=]?>=:e?>=u?>=?>=t?>=\?>=Wy?>=;b?>=??   % T'2AUA0 Ldinterface% FEMF++@ *@$TBB>BPB@0$9=ARIAL6@\PWeb- ='}>N>'}>Y>'}>Yũ>'}>??   ( RpArial%Monotype:Arial Bold:Versi?!33333300 |p|m||| Ę>5 wLp_1_1|||Nw>5!w w dv% Td}3=AUA}BPB@0$9=ARIAL6@ V=B5@D59A >'}>Y>'}>>'}>_?'}>0?'}>&?'}>st??'}>:FO?'}>`?'}>??   % T3=AUABPB@0$9=ARIAL6@@4 sp?'}>??FBPB@0$9=ARIAL6@04&?'}>-?'}>?'}>?'}>=?'}>U1?'}>9?'}>U?'}>U?'}>9?'}>rh?'}>VQ?'}>r?'}>?'}>??   % T3=AUA<Ll04<V=VAB@C20==O% F@4EMF++@ @$C^.oChBzmA$$==% % V0|||% % $$AAFEMF+@<0NY?@H<C~C+ǀC~C+ǀC^.oCC^.oCC~C@$$==_888% % V0|||% % $$AA( F4(EMF+ @$CH5VChBA$$==% % V0|d |d |d % % $$AAFEMF+@<0NY?@H>=U?>=G?>=?>=?>=.?>=J8?>=1@?>=P?>=q=8n?>=??   ( RpArialMonotype:Arial Regular:Ve?!33333300 (|p|m||| Ř>5 wL4_1n|||Nw>5!w w dv% TAUA Ldinterface% FEMF++@ *@$TBBCH5VC@0$9=ARIAL6@\PWeb-9c8='}>8>'}>c~>'}>??   ( RpArial%Monotype:Arial Bold:VersirialMonotype:Arial gular:Ve?!333330|p|m||| Ƙ>5 wLp_1_1|||Nw>5!w w dv% TdAUALTWeb- % FEMF++@ *@$TBBCH5VC@0$9=ARIAL6@ V=B5@D59A#>'}>>'}>9N>'}>*>'}>9>'}>G?'}>**?'}>q9?'}>xK?'}>??   % TAUA L`V=B5@D59A% FEMF++@ *@$TBBCH5VC@0$9=ARIAL6@@4 J[?'}>??FEMF++@ *@$TBBCH5VC@0$9=ARIAL6@ 0=0;VB8:01c?'}>s?'}>?'}>?'}> ?'}>9?'}>U?'}>?'}>ѭ?'}>??   % TAUA L`0=0;VB8:0% FEMF++@ !@ %@,@$=\= C!C@dXHl5 EMFH^h)3(F, EMF+@XXF\PEMF+"@ @ $@ 0@?!@ @    3% F(GDIC3FEMF+*@$??@VUdCUUU@ BUUU@UUU@/AUUU@#BUUU@VCUUU@wC BCVUdCCVMCCCwCCVCC#BC/AVMCUUU@VUdCUUU@@FEMF+@ UUU@#BUUU@t}vB BBVUdCBVMCBCt}vBC#BC/AVMCUUU@VUdCUUU@ BUUU@UUU@/AUUU@#B@FEMF+@D8@A@VUdCUUU@ BUUU@UUU@/AUUU@#BUUU@VCUUU@wC BCVUdCCVMCCCwCCVCC#BC/AVMCUUU@VUdCUUU@@FEMF+@D8@A@XLUUU@#BUUU@t}vB BBVUdCBVMCBCt}vBC#B@FEMF+@ FGDIC% F4(EMF+*@$??FEMF+@ @@, gC*C" !b !!s % % % 0        : # Hb>mCC$$Hb>mCCs MRp"System@`_`|~|`~|!`|r5r5&! 2ny1d@`|8|2|||w|~`~!`_`gn ` !` &=` nN`0n@`dv% F(GDIC3 # Hb>mCC$$Hb>mCCRp"System"System@`_`|~|`~|!`|r5r5&! 2ny1d@`|8|fw5$!77w!Jlw wX 5 5Adv% F(GDIC3!b $$==%  ;>.X(y..;.6.X4.y>NN6NX(N;.>.=MV % $$AA$$==%  ;UP ..y>NNN;.>.y..;.MV^ % $$AA$$==_888d% % ;>.X(y..;.6.X4.y>NN6NX(N;.>.=NN% % $$AA( " FGDIC% FGDIC" " % ( ( " FEMF+&@*@$TBB C=fC@0$۫*>ARIAL6@|p!E>28I5{>-ؽޝ>-ؽH>-ؽ ?-ؽ!?-ؽ^9?-ؽy\?-ؽ??!b    ( RpArialMonotype:Arial Regular:Ve?!33333300 _`|~`~ !` |p|m||| ǘ>5 wLV2|||Nw>5!w w dv% Tx{@AUAL\!E>28I5  % FEMF++@ @B]jBJBkB@$$==_888% % W$19w=R,% % $$AA( F|EMF+@db>CA$$Hb>db>CAs Rp"System.>.sthcwbw ! wr5r5&! 2ny1d|8|2|||w|~ `~ !` &=` ~N`~@`_`|~ `~ !` dv% F(GDIC3 # Hb>db>CA$$Hb>db>CARp"System"System.>.sthcwbw ! wr5r5&! 2ny1d|8|fwh55$!77w!Jlw w 5 5.X(y..;.6.X4.y>NN6NX(N;.>.=V` % $$AA$$==%  ;UP ..y>NNN;.>.y..;.V. % $$AA$$==_888d% % ;>.X(y..;.6.X4.y>NN6NX(N;.>.=NN% % $$AA( " FGDIC% FGDIC" " % ( ( " FEMF+&@*@$TBB CNB@0$۫*>ARIAL6@pd>45;V>q3>qD ?q&?qD\>?qAW?q??!b    % Tp 98HAUA FLX>45;V % FEMF++@ *@$TBB CNB6@pd?@028;=>-ؽ3s>-ؽDt?-ؽ.?-ؽ/?-ؽG?-ؽ??   % Tp J:YAUA WLX?@028;% FEMF++@ @<0NY?@H%%##% % $$AA( FEMF+*@$TBBؘCF @@D8۫*>TIMES NEW ROMAN6@ Web-A5@25@\?>?>?>]W?>]?>]G?>?>Y@>Y@>??   ( RpTimes New RomanMonotype:Times ?!33333300 _`|~`~ !` $|p|m||| Ș>5 wLQ4|||Nw>5!w w dv% TAUA L`Web-A5@25@ % F@4EMF++@ @$qC MChE ׃?@, =JB>!   ( RpArial Unicode MSMonotype - Ari44@X2_12| 8_1_1d2 20_NW_12N1SNkDo2 |p|m||| ɘ>5 wPP_1|||Nw>5!Pw w dv% TTEKAUAELP!% F5   % TTMQAUAMLP5% F<0EMF+@, JB>@   % TTRVAUARLP@% FJB>2   % TTX\AUAXLP2% FJB>5   % TT]aAUA]LP5% FJB>@   % TTcgAUAcLP@% FtEMF+6@pd 9c=ݝ>U>ݝ>GS>ݝ>r\>ݝ>r>ݝ>VU>ݝ>??FEMF++@ *@$TBBqCrZC@0$9=ARIAL6@@4 9>ݝ>??FEMF++@ *@$TBBqCrZC@D89=ARIAL UNICODE MS@H*> ׃?@, {>JB>@   % TTkoAUAkLP@% F>   % TTptAUApLP>% F1   % TTvzAUAvLP1% F>   % TT|AUA|LP>% FB   % TTAUALPB% F8   % TTAUALP8% FtEMF+6@pd r>ݝ>J?ݝ>'!?ݝ>2?ݝ>`C?ݝ>s\Q?ݝ>??FEMF++@ *@$TBBqCrZC@0$9=ARIAL6@@4 Qb?ݝ>??FEMF++@ *@$TBBqCrZC@D89=ARIAL UNICODE MS@H*> ׃?@, d?JB>7   % TTAUALP7% FPDEMF+6@@4 8j?ݝ>??FEMF++@ *@$TBBqCrZC@0$9=ARIAL6@@4 U5x?ݝ>??FEMF++@ *@$TBBqCrZC@D89=ARIAL UNICODE MS@H*> ׃?@, lz?JB>?   % TTAUALP?% F@   % TTAUALP@% F0   % TTAUALP0% F2   % TTAUALP2% F8   % TTAUALP8% F;   % TTAUALP;% F0   % TTAUALP0% F<   % TTAUALP<% F8   % TTAUALP8% FEMF+6@ 9?ݝ>G?ݝ>V?ݝ>#?ݝ>3?ݝ>:?ݝ>S?ݝ>?ݝ>s ?ݝ>??F@4EMF++@ @$$ CA0>BKA$$==% % V0Fv)bbZZb% % $$AAFEMF+@<0NY?@H<$ C[!BκC[!BκCA$ CA$ C[!B@$$==_888% % V0Dx*bZZbb% % $$AA( F4(EMF+ @$$ C[!B"C1:B$$==% % V0F(WbbpKpKb% % $$AAFEMF+@<0NY?@H<$ C{BSC{BSC[!B$ C[!B$ C{B@$$==_888% % V0D&YbpKpKbbp% % $$AA( FEMF+*@$TBB$ C[!B@D89=ARIAL UNICODE MS@H*> ׃?@, =JB>!   % TTK8QCAUAKBLP!% F5   % TTR8VCAUARBLP5% F<0EMF+@, JB>@   % TTW8[CAUAWBLP@% FJB>2   % TT]8aCAUA]BLP2% FJB>5   % TTb8fCAUAbBLP5% FJB>@   % TTh8lCAUAhBLP@% FJB>@   % TTp8tCAUApBLP@% F5   % TTv8zCAUAvBLP5% F4   % TT{8CAUA{BLP4% F0   % TT8CAUABLP0% F?JB>3   % TT8CAUABLP3% FC   % TT8CAUABLPC% F2   % TT8CAUABLP2% F0   % TT8CAUABLP0% F=   % TT8CAUABLP=% F=   % TT8CAUABLP=% FO   % TT8CAUABLPO% F?   % TT8CAUABLP?% F@   % TT8CAUABLP@% F0   % TT8CAUABLP0% F2   % TT8CAUABLP2% F8   % TT8CAUABLP8% F;   % TT8CAUABLP;% F@4EMF+6@0$ 9c=ݝ>U>ݝ>GS>ݝ>r\>ݝ>r>ݝ>VU>ݝ>:>ݝ>>ݝ>?ݝ>V!?ݝ>r\3?ݝ>8D?ݝ>P?ݝ>ss\o?ݝ>r?ݝ>z?ݝ>ؐ?ݝ>?ݝ>sL?ݝ>W?ݝ>?ݝ>a?ݝ>q?ݝ>t?ݝ>??FEMF++@ @<0NY?@, C]jB$ C5eB@$$==_888% % W$7H=b% % $$AA( F|EMF+@<0NY?@, +ǀCjCqC`ikC@$$==_888% % W$C% % $$AA( F|EMF+@<0NY?@, ^eCZCݥDKyC@$$==_888% % W$O!% % $$AA( F|EMF+@<0NY?@, ^eCrZC DB@$$==_888% % W$^( a"% % $$AA( F|EMF+@<0NY?@, SC5eB C5eB@$$==_888% % W$7;K% % $$AA( Ld_Y)??" FEMF+@ ObjInfoVisioDocument~VisioInformation"SummaryInformation(@L      !"#$%&'()*+,-./0123456789:;ABCDEFGHIJKLMNOPQRSTUVWXYZ[\]^_`abcdefghijklmnopqrstuvwxyz{|}~Visio (TM) Drawing ~bQ}Rd !fffMMM333\8 TJ Arial@NZ}Wingdzs@uNuMonotyp?e Sort: mlSymbUo^E&mWt Helv Wyrm|AblTimes New Romanode dJ Unic- MSCapitalsBZSeB@5T?? Y@-1U J:DT1EW-hPT8*  /U_b b0z_Gz?@ 4D.gSb}}},g !k5|'ggK,K,L/&5$3? AgT&,,'1/C%&T$&~ } A& y  ~|~,)@~Z?l2  }U } }}}U}}}-)?%_aBEUEEEEE@?N3OEJ`.BEEEEEEJE@O5FAY; (QVVB(QcTY S)oS#;oXo' }`P#glb6`e#l l l ~Y??\ #@5n| K,K,K,J/B)QxUO ME2A_d4OOOOOO O_DOVOhI3rVS+?[l~b sU墖fğtΏHg)m  }*}}-i@| 5Se'0ULYy??4zu2U# * z0{jJ\Ȇ/!M3>>D///Qp? d>>4B(Qk`rYU-%1@-( gp ٻ . 1->^i\÷#U*Ȳ)/4// ??2XF߀ϤS.7\߆2$n$1JnѮ gy nu sd3Uk +Uo2q ?/&[m&,,',xQ>47ᎹxQy[,xAX/j/|/d=G$C兩q$b Fq/##/m>BL)!0H)RE1!0U _֟1aQAw=:B\(iBfXE@3iU(xQxQ24!4!xR@//4"88/1;?3V?b?t??<%??DOU0O贁NkC@FSsvֵBWuVq+%"/O* /T6DUI@??Z?3 $- b^]b-j-xJ[@пUx /{)eZr^UH"u {? ?k0AICȋeȍ{^zȈ{̝̍Ȍf l` uJAdds a role that is played by an outside object to your Use Ca+diagram.b|GzĿأp= ?x?XUſD?P?ϊFo5;UH TD  # E#Ah4JTeeM MU}@M?@?A{Gz?Aףp= k?P tRLMQ )8#!D $DN[x#0]"`UML Background Add-on` /CMD=1001y!`Rt)tRBd7.#W2 >"bU!97@I9@_@qB@7E?AD7F 3WuLM- #NzBb S.F-u` ( tW2tGt$A#/5&|x#GQLT; `7Copyright 1999 Visio Corporation. All qRs reservedo.N`|P_D112.chm!#31541l#$U@pt#3 Mx#0 a]ba c'`l(,AA?CM??JC#F]/tE8?ePopoaQQ___oo)ooDcԪoo׃okpmfgQU(g5 5 *"I`; '2-??=5P4D4;%D! o%YX+BP_"D&6AW#'MM"SDisplay Se&mantic Errors#Q`.Ϡ@?g@!pmKaɠq1Tt!!A\2\!\!u2v2 B1\2*Ka3KaĒHc!c!>!6`E"!tl(BT9@A>Cb5GQEu5= 4D!a  5W 4 ."8r? E>X \"!#M' >^S4RepQnPan a which interi s with a use caseP:/L,Z ,ss,[',o",,!,Uml,u&L`S,c?`10.0XJrР +L``Width`UP.Defau[ltc3~@xEtL`)#Df BȲȲL`@20R3e[.? {@F1N1M `HerQ`k9=D}=qdӲs"@ocDw4 =lo~eF!FAŇoKOO{h[*_?!|_p"^QAEVQpͶ<a`o*oUEaRBAJVH'-@ 6ukD2HѫvF3 #𴽮 BK]Va< + Ka5lX PUFDfP h$T PUUBmUI?W?? ?x U"{ b11RRAbv @࿫L[1U  'B[?T-Re.w.[(U"&E/SeZ BUG"u 5?!2@F ?GAZ rsAdds the externally visible operations of a class, component, package, or or elem+ to your C& diagram.mbؿ?ȿp= ؿHzG??G]oM?UGD # h0T`UU]U@?]@E?A\?Py r5Ct`rb o@ _bU@u`AuM, (}* ĉ ;  U ~ U#'aF4 4 2p5 "b0,Y  ~ ɤ!9 !0~ b )|31D;2`7Copyright 1999 Visio Corporation. All &Bs reserved.`1@_D112.chm!#31465M3Ez8eM]MIY~UUHA`5DC]8$Z=-Tx>:TEga]`_PSU,\3T T 2;T`22$$RQRQ xTdYY9 #AUA?Af?P6 t` ?@u#`҉ Spb@3} b&uLb .  u g 8ATY&&6&>}U2qL Ì?K/]&n$?<"T]&,,'JME${Gzn#@@#t!$t5'd+E#5  '5OIE#<$AYUdvE4aB@I@ ('"9(`lE#FCA("Xb "d3#R( !O^9Q3E^^_p_W9Q~5E[@_O_9QE12O;BrA%B_c0i[DAA^~59 6(^L< '%n"'f0?6Aa!jooCxM3n$\!3zr]v4TdYY9  LAUA?Aѕ??P6 t`  ?Vt#`Yub@K'+uL .) )'Fumj b $r A>2Ǎq ?/ &? &[,[,['${߮Gz8#@@6p #$?N&**! "XT52;6LBU5 5"BF#% stBbE1q?(4l>YqUdv DbaBE@`l#FmslA  T"3R(!OuN-Q39^R_d_W-QE9[@_O_-QE2O;!)rAMbSc0i<6^E9 J93 OS 'z%i8"P'fj8Aa_Hu- . M[ꙉubNj F#|OB DW]|aL]@+k]?aG$Pd!! /T6DUI@??Z?3 $- b^]b-j-xJ[@пUx /{)eZr^UG"  nN(.?CU^pVX=Adds a grouping of model elements to your Compon diagram.bؿhf??p= ףؿף?? v ;࿕HD H# =h,>TYY9 zrAUA??@?A3üW?P6 &t`tu@&t#uYYAu` ?+$L P`ukډ bʽ 6LtgN@L>U2{Gz?k! Y";_# Y^!"uB bM1 B+/G4l>0>UddYuh4 Wa2E@(`*#?&?`)fW`NAw nF(%G2OhsRONAA3NOOWAEKODO_A|2"O;^!1RSN0(1aiA^E9 !%3h?'2q>`8"!"=fHD: H ;h,>TYY9 BzAUA?A?JP6 Ut`  ?u~`bhb+uL _.@u >@$>YcuV_s_$ c (_} m b %%& ! Xc-"3'>U2{Gz?_0>Udd__TY4Na7B=E=@N(`Z#eF}W@}H-#_Y <# B(o!oOOAA3NOOKWA5K@l@5_OY_A|2_O;!rA RS0iAP^59 H93?'2Eq_`h"Q" ^fUGD # h0T`UU U@?@?A?WAgfw?Py jt` U݀@&U95UAHS5Q NPQQ N< T95QQQ u` ?~5"]g"/)""""(Fu]b%& !ZUP%"% UZ /'"b$ 66 !!y X`UML Background Add-on` /CMD=1001y+!19kD xg a]_SET GT";TTQQ2AnT !!xTq1TE2T23`TFQ5T (@S@1"b)Q(5/Z?S#f bȰ5GCU5TCb b?KT15le` QxQ[j!(cA0cgUcLfT&QqWZTc//AP{PIK;1=]` Dia&grams..@93/List the dia associated withʐis @"IaH2N?`=4q4"&!y%􆟘C Vie&wC39Ɵc?ontainqr? viewsq e85*<(5EShow Re&lBship'sQ0(Oˑ{reW for̯ޯd96<|5d*FQ"@_$a"&տ673]]"CDisplay Se&mantic Errorarr`G.a<2ɾ&r!ry?E&@8?x\4Z#CS&y OpY1#|w editdBoԔ`=8ɹ@uyqߘ%PropertW&iea&3p_?ɿ<~q?E]hg?`&qRFQ],=[Ykk#.0 7i@B%A  gfƵZy)І%#|5 mp,<4 5 l~ڃ!Շ1 Q)/u@C/#8eVPr?_/Prz" u)51:?L?+Qs?"vu16//^?p3/U/g/ u $?FO$? ,%3%G/?PqEOD/_OIZi=Ib5ϙ._H-B- @ШMR Fy"oFB'#Gg(] I]Ga1 )@+*Tk =aUkI_Wr U1U235:;<=t4񥬕@zG@ 71C-䩮 7AU6 U12U35;?t4 񥬕@zG@ ?8.C-쯮m 7A&@ܰq7KR@7LR@Ds8LRH<( H<( H<( &E: RE: RE: R_(^  B"Vhz .@RdvZS&@6?$:^˰QpͶ<8.\lGj!AO е1OrEU@ @@D*,@@_5?A` Vl?bj΍!xUz3.WaãӦ3!r5?(xT^!j*\C}(eHtq1D9E--(A>`Aur51s@M 'dO=!q/*9E/"5xR;`r2G5% %%b"%225Ab%AD~9L ; Wӯ9O2pU\2? A!! 1ޝKq%qA sB+!=s{f"si#Hs%T xR%FpAxUS? hHrqXӗI=1Cȏ$ޏUz7siKb/ C%>QK?掱5 .7$/0/L)9=/(IlPPc@-؂'-s}T//$/ >؛>`2q `? ofߴ?9y8interface Web- G52Oq,C7@a銱{)ã7#sg+'d߲bdIHsot dX0 wTd)~%d% s??????Nz OGg8O@w\YO[Oajh!C7Ľ1Y/hZ!3xٿJvTw?`/kB(b"`.OD>YD\/8OY`D@A( +@AOp鍇ԤٍPM)! -u`u`bou}`uvP@"i @!S U"fu`?1u#Q5QhZ@;kg?AD*,ҠF?@* .Ѡ)pa7@z@ !ApqaAbNa@s|55ŷQq\. a65ğ֟o2bi0UŪsai?{?xra5PK*XACnF`ryծB#Q`FArRG'é}A}'9K]o;說E#K?Ac> XinG"#5GYk}AϿE@# yJ,` Ą= w \5A_K^rİ/:L^Ad&d&ߠ߲ Tfx?V6; A 'PokN4O$*Fa8MOamu_j)iOYͦ%@@,;@@0@t ۠CjEٗVlUa%q%q7R$6R,12ORa7VAVdRORKVQhaNE#3UHR=R 1brES8 bciAVXBcS7R8馄@F_ylvhEr@__6?VoRoPpVVexGt?kX}ve?p;E}4AOS䲐z@!q!59q EMFmѾqO= aXsD57y.] ;.'6~Daќ@}4^A.y>NNN V~:N;0.t.F(AA4 04 YA}6iA1 :@ :"N"}t}vBBðĒϜnݑ:Ń @#M_L!i*E.y>NN);AI[mj4 A8JވFȒ78M@@PbtΟ@A5G_ ::!YQdM.#UaewѯDDxa(1q݁4>)vA1Q8J\n 1LJ>8̿@h!);M_L!q݁S;Ϧ")41E=1`1vA%7A#}u*9*)H8/U/"y!51A^A0"7G^A^EMpS?xh;xa_Rofn95n/?hL?xi>E??g]1E>?9??]1! O$?/O? `BxIT'ыf@`!E}CTS5 ?i$iQEpE)S5#4:&'0$СŕrRH„!bQTs@Y1]+ZE1h*@qTY&(4'Cg@@zG@@PQ @@0am $e?.d?j to%q84wŁXRGtf 831EEBU__%_7YG_YV! 8QHWeb-? b|"1///// 8`@cOuOO=beV ؂+-]?U%g??Y/el~?@^OgۏVI2rafPgmBDFƆ_LXmPlG" rT!-Q_kUUd%yiuiA1Cʎc\@@T(\?@Yq?AgfvUjsHkfr5"$ ԵAТZEDTpK@?cᴜsΔq~bҿxi')iCQ(۟a@@D#߼i8_?A` @ށEEΎeӿ.bF~U11F:I>qJ56yUU=q Mpֹ@A=q Ű:RTH@n ÒŷdƲ¼5πtF -EEC80D4A-9E2D-4307254-CAB5EEF94E1A6TԀ+!=t5ժaT(5C UtToQ@'/]sUDAYnDCE84{F𿸍"7Bz 4ު*4.@sU،lGH:^wuIH%}b@(eQ4qD5a o=uaE1$!]aZuhq0]O@fHƓHŦJB@OicuTWiň8osߧda"VldaxsUoQiݐa=Q5#ӊňWF#@9+uqZuVQaa)DPlɿa&O8J]IԁG@-؂'-ғG -YXWx1o2q*?)X;ȃ?p@5`aȅ,۫interface Web- UғQ1|oQI1CהrX#[';=RȅaiA]S)%IJ&6U8&uEH&߷߭+=,X@yu*+{.j 1.EI7%IٕXOt?!32ٿ55juv5?Q`ppkb0?B?bXXmQaQbaoQ e `p8 YoU@ 8oKѽ?D?A3E@3 %O:2{G zS/A$!/"/4/F/X/?/F/:oH/vk?lDM:fOe, YYOU@Yq?Aq? tuux_(_@:_L_" :9L^tQԕ__ȅ8ۄRuŕ ΀qـy x ΀pЀy;|}yA4c1 AZ_VwV&ng\Uӟ/A̟r}FX5}(1??T?f?x?????5,?ٯ?O"B!Xu__*__o"o4ovOoRϤx~o˫o9"q7DsLEA},$~ G`}xy DD@@< ףp=@@}oդpAgӒp{*Cr5@y.ur)UsVee=՜q1tCaq贈?(qg ִJ:qؓTa{V;"<<򯁯}+A+A%rH%1=2f31 BXA6 M?3HC5Gqa=qDE;A1qαϬpDeɿւ%Ɛeǂ-ũ^SU //} @- /%uvՎU?%Z%L?^?=;>//FʼH/;BAOHzG?7G)UCOn6uq}`)LUM9QE_W_t__옣___XV9Q}o_0oBo"_oqnaplrXqLQEXqCrpu`vSoѓE?jtD -{uqp-y%±Qʿܿ_$Hgw&mʌuϥϫa_ln_oo]E_U=iƵCWI6ѺՋ@i藇 q?Φ]?t%4q(e YlU9~dRurV XutpsZp~^q XpZy|ikaDpg]k'Τ~jT瘕D>7!s@&RC[?`IkF閈j4-U@Rdv6ُ5G섭l SQF(eQu 2z((pL @A@f4@A7˟A?P-Q-)u`u`bu<`uz"f@"))@Q)$a.)r)uKp` ?AuPdBiXZe΂ @AD*,@@D}@A< ףp=_@))pѸv0e@z3<-!pfInZm!$ X,y.!p;?.67ᩜ:6A4;O.y>NN^ENQ!7ON5;.-@.11Ew$ŧ0I%86"YԱ @d!Y69ot}vBN3BV3|P_2}2rQv?NNIRIOG__&_8WGVU8(K G%@ ??-???Q?c?u??9@M&_o_edZd XӞ%i"O0OBOTOfOxOOOOOO36*! 4(oo9/ BRBQJSo,'zL$a_s__tU@M&<@N*!S@Mo_h:L^p"@f)4!-///ᠶ?ܓ"9")O蘲Y2Dg(^^d0ǒPVѣ 1`!1V`;}߳"ޕ;M߹NΆϪ߀ѩTB"TCуN6ӃNnVi"{z!ՑɈ:qV#''0ZpZpNqH#TR!~8Fh_%넸)|ʙɛy-^@AGz@AqO g@1T-DT!N-n `u`bu^P`u]  &3)<$a.)rZX58@ADG@@Vww@@ @ )bp/ɢ;/@z3Pbt@ DD< ףp=@A.@ 1DI#5GYk} A VІZ'G@g`H@@E0PPLf1oV·VagWbotnVgumWo/*/