User manual HP DESIGNJET 1050C

[. . . ] ( ( F P s s P P s s P y h v P r q D r r t h h H t v r R r r R r I t v r I t v r R 8VLQJ WKH )URQW 3DQHO )URQW3DQHO 0HQX 6WUXFWXUH $ " 6 rp v Pv h !6T r P C 8 S 6 r 7 @ 6 C 8 S 6 77 T D E # 7 r 7T D E D T I 6 r 7 @ 6 D T I 6 6 P T D r 7 6 # 6 P T D p v h 6 y h h H p r r h s T h r 6 q r x D r v r P C 8 S 6 T D E D T I 6 P T D & !r v h I PQ `P PX UT q r q r @ s s y hP P I 5 (r t #h Q v A s s P P 5 r y h p T v p T Q r v T r h S v t h H t v p h T r I t v v H h A r t h Q 8VLQJ WKH )URQW 3DQHO )URQW3DQHO 0HQX 6WUXFWXUH ! " $ $ ! K WL G : y 8 $ r i I r Q $ r i I r Q p h A r h s T 7 r r y h Q 6 r r y h Q 6 r r y h Q 7 r r y h Q p h A P s s P H W W H O D 3 r r y h r v s r 9 t v t r H t v r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 12 &RQWLQXH 3UHVV WKH RU GRZQ NH\ WR VHOHFW <(6 RU 12 3UHVV WKH (QWHU NH\ , I \RX VHOHFW <(6 WKH SULQW MRE ZLOO EH FDQFHOOHG DQG D UHSODFHPHQW ZLOO EH VWDUWHG 6HH SDJH 3ULQWKHDG 5HPRYDO , I \RX VD\ 12 WKH SULQWHU ZLOO FRQWLQXH SULQWLQJ 1H[W WLPH \RX SULQW WKH VDPH PHVVDJH ZLOO DSSHDU XQWLO \RX VHOHFW <(6 5HSODFH :RUNLQJ ZLWK +3 1R 6XSSOLHV 3ULQWKHDG 6WDWXV 0HVVDJHV 0RQLWRU DxTrPv :KHQ WKLV PHVVDJH LV GLVSOD\HG LW PHDQV WKDW WKH SULQWKHDG KDV UHDFKHG LWV OLIH H[SHFWDQF\ 127( 3ULQWKHDG OLIH LV DQWLFLSDWHG WR EH PO RU WZHOYH PRQWKV LQ WKH SULQWHU ZKLFKHYHU RFFXUV ILUVW SURYLGHG WKDW WKH SULQWKHDG LV XVHG XQGHU QRUPDO RSHUDWLQJ FRQGLWLRQV XVLQJ +3 LQN FDUWULGJHV RQO\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xphvqtrvs Sryhprvurhq Dxphvqtrvs Sryhprvxphvqtr Dxphvqtrvs Dxphvqtrvs Dxphvqtrvs Qvurhqvs Qvurhqvs Qvurhqvs Qvurhqvs Qvurhqvs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s 7KH PDNH RI WKH LQN FDUWULGJH +3 1R DUH UHFRPPHQGHG s 7KH SHUFHQWDJH RI KRZ PXFK LQN LV UHPDLQLQJ s 2ULJLQDO FDSDFLW\ RI WKH LQN FDUWULGJH LQ PLOOLOLWHUV s 5HRUGHU SDUW QXPEHU RI WKH LQN FDUWULGJH s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s 7KH PDNH RI WKH SULQWKHDGV +3 1R DUH UHFRPPHQGHG s 7KH FXUUHQW VWDWXV RI WKH SULQWKHDG s 5HRUGHU SDUW QXPEHU RI WKH SULQWKHDG s 7KH WLPH WKDW WKH SULQWKHDG KDV EHHQ RSHUDWLQJ LQ WKH SULQWHU s +RZ PXFK LQN KDV EHHQ FRQVXPHG E\ WKH SULQWKHDG 1RWH , W LV SRVVLEOH IRU D SULQWKHDG WR FRQVXPH PRUH WKDQ RQH LQN FDUWULGJH s 7KH \HDU DQG WKH PRQWK WKDW WKH SULQWKHDG ZDV PDQXIDFWXUHG :RUNLQJ ZLWK +3 1R 6XSSOLHV , QN &DUWULGJH 5HPRYDO , QN &DUWULGJH 5HPRYDO &$87, 21 2QO\ UHPRYH DQ LQN FDUWULGJH LI \RX DUH UHSODFLQJ LW 6HH SDJH :KHQ 6KRXOG <RX 5HSODFH WKH +3 1R 6XSSOLHV" 7KHUH DUH WZR W\SHV RI LQN FDUWULGJH UHPRYDO s 7KH LQN FDUWULGJH LV HPSW\ DQG WKH IURQW SDQHO WHOOV \RX WR UHSODFH WKH LQN FDUWULGJH *R GLUHFWO\ WR VWHS ILYH s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 DV VKRZQ EHORZ DQG SUHVV (QWHU :DUQLQJ , QN FDUWULGJHV DUH VWLOO IXQFWLRQDO , I \RX ZDQW WR UHSODFH DQ\ SOHDVH VHOHFW <(6 <HV UHSODFH 1R FRQWLQXH 7KH IURQW SDQHO GLVSOD\V HLWKHU RI WKH PHVVDJH GLVSOD\V VKRZQ EHORZ GHSHQGLQJ RQ KRZ WKH LQN FDUWULGJH UHSODFHPHQW ZDV LQLWLDWHG E\ WKH SULQWHU EHFDXVH LWV HPSW\ RU E\ \RX 7KLV LV GLVSOD\HG LI \RX LQLWLDWHG DQ LQN FDUWULGJH UHSODFHPHQW 7KLV LV GLVSOD\HG LI WKH SULQWHU LQLWLDWHG DQ LQN FDUWULGJH UHSODFHPHQW 5HSODFH LQN FDUWULGJH , QN CYAN MAGENTA <(//2: %/$&. 5HPRYH LQN FDUWULGJH E\ SXVKLQJ LW LQ DQG XS (PSW\ LQN FDUWULGJH V\PERO :RUNLQJ ZLWK +3 1R 6XSSOLHV , QN &DUWULGJH 5HPRYDO 5HPRYH WKH FRUUHVSRQGLQJ FRORU LQN FDUWULGJH E\ SXVKLQJ WKH GLPSOHG UHFHVV LQ WKH LQN FDUWULGJH LQZDUG DQG XSZDUG DV LQGLFDWHG E\ WKH DUURZ VKRZQ EHORZ 7KLV UHOHDVHV WKH LQN FDUWULGJH \RX FDQ WKHQ SXOO LW RXW KRUL]RQWDOO\ & 127( $YRLG WRXFKLQJ WKH HQG RI LQN FDUWULGJH ZKLFK LV LQVHUWHG LQWR WKH SULQWHU DV WKHUH PD\ EH LQN RQ WKH FRQQHFWLRQ & :RUNLQJ ZLWK +3 1R 6XSSOLHV , QN &DUWULGJH , QVWDOODWLRQ , QN &DUWULGJH , QVWDOODWLRQ 127( (DFK LQN FDUWULGJH VORW KDV D FRORUHG ODEHO DERYH LW 7KLV VKRXOG PDWFK WKH FRORUHG ODEHO RQ WKH QHZ LQN FDUWULGJH 3LFN XS WKH QHZ LQN FDUWULGJH DQG ILQG WKH ODEHO LGHQWLI\LQJ WKH LQN FRORU +ROG WKH LQN FDUWULGJH VR WKDW \RX FDQ VHH WKH LGHQWLI\LQJ FRORUHG ODEHO DW WKH WRS RI WKH VLGH IDFLQJ \RX , QVHUW WKH LQN FDUWULGJH LQWR WKH LQN FDUWULGJH VORW ODEHOOHG ZLWK WKH VDPH FRORU &RORU LGHQWLILHU DW WKH WRS RI WKH , QN &DUWULGJH & 127( 7KH LQN FDUWULGJH LV GHVLJQHG WR SUHYHQW \RX IURP LQVHUWLQJ LW XSVLGH GRZQ RU LQWR WKH ZURQJ FRORU VORW , I \RX KDYH GLIILFXOW\ LQVHUWLQJ WKH LQN FDUWULGJH GR QRW DWWHPSW WR IRUFH LW &KHFN DJDLQ WKDW WKH FRORU RI WKH LQN FDUWULGJH PDWFKHV WKH FRORU RI WKH LQN FDUWULGJH VORW DOVR WKDW WKH FRORUHG PDUNHU LV DW WKH WRS RI WKH LQN FDUWULGJH 6OLGH WKH LQN FDUWULGJH LQWR WKH VORW XQWLO \RX IHHO VRPH UHVLVWDQFH DQG VWRS :RUNLQJ ZLWK +3 1R 6XSSOLHV , QN &DUWULGJH , QVWDOODWLRQ 3UHVV ILUPO\ ZLWK RQH ILQJHU XVLQJ WKH GLPSOHG UHFHVV RQ WKH IURQW RI WKH LQN FDUWULGJH LQZDUGV DQG WKHQ GRZQZDUGV DV LQGLFDWHG E\ WKH DUURZ VKRZQ EHORZ XQWLO WKH LQN FDUWULGJH FOLFNV LQWR SODFH JET HP DESIGN0 C 105 & 7KH IURQW SDQHO GLVSOD\V , 1. &$57 $&&(66 +3 1R 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eplace 0$*(17$ <(//2: %/$&. 2. 2. 3ULQWKHDG UHSODFHPHQW PXVW EH SHUIRUPHG ZLWK WKH SULQWHU VZLWFKHG RQ DW ERWK WKH 3RZHU , VRODWLRQ 6ZLWFK DQG WKH IURQW SDQHO 2Q2II SXVKEXWWRQ 3UHVV WKH 723 NH\ RQ WKH IURQW SDQHO WR JR WR WKH PDLQ PHQX 6HOHFW WKH , QN 6\VWHP 0HQX RQ WKH IURQW SDQHO E\ XVLQJ WKH DQG NH\V DQG WKHQ SUHVV WKH (17(5 NH\ 5HDG\ 3ULQWKHDG CYAN Replace 0$*(17$ <(//2: %/$&. 2. 2. DxTrHr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 & :RUNLQJ ZLWK +3 1R 6XSSOLHV 3ULQWKHDG 5HPRYDO /LIW XS WKH FRYHU DV LQGLFDWHG E\ WKH DUURZ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s %H FDUHIXO QRW WR JHW LQN RQ \RXU KDQGV 7KHUH PD\ EH LQN RQ DURXQG DQG LQVLGH WKH UHSODFHG SULQWKHDG FOHDQHU s 'R QRW OD\ WKH UHSODFHG SULQWKHDG FOHDQHU RQ LWV VLGH RU WXUQ LW XSVLGH GRZQ DV LQN PD\ OHDN RXW s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eplace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s SHUIRUP WHVWV RQ WKH SULQWKHDG QR]]OHV WR HQVXUH FRUUHFW RSHUDWLRQ s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 , QNHG DUHD LV WKH VPDOOHVW UHFWDQJOH WKDW FRQWDLQV WKH HQWLUH LPDJH 3ULQWLQJ DUHD , QNHG DUHD 'R <RX 1HHG WR $GMXVW WKH 3DJH 6L]H LQ WKH )URQW 3DQHO" 7KH DQVZHU LV QRUPDOO\ QR EHFDXVH WKH SDJH VL]H \RX KDYH VHOHFWHG LQ \RXU +3 GULYHU RYHUULGHV WKH SDJH VL]H VHOHFWHG LQ WKH SULQWHU +RZHYHU VRPH RI WKH FLUFXPVWDQFHV LQ ZKLFK \RX PD\ ZDQW WR FKDQJH WKH GHIDXOW VHWWLQJ DUH &0 n :KHQ \RX DUH XVLQJ WKH 36 6FDOH)LW WR SDJH IHDWXUH 6HH SDJH &KDQJLQJ WKH 6FDOH RI D 3ULQWHG , PDJH n :KHQ \RX DUH QRW XVLQJ RQH RI WKH +3 GULYHUV VXSSOLHG ZLWK \RXU SULQWHU IRU H[DPSOH LI \RX DUH VHQGLQJ D 3RVW6FULSW ILOH IURP D 81, ; DSSOLFDWLRQ n :KHQ \RX ZDQW WR VDYH SDSHU E\ SULQWLQJ RQO\ WKH LQNHG DUHD RI \RXU SULQW SOXV WKH PDUJLQV , Q WKLV FDVH VHW 3DJH IRUPDW 6L]H WR , QNHG DUHD 'HSHQGLQJ RQ WKH GULYHU \RX DUH XVLQJ \RX PD\ QRW QHHG WR FKDQJH WKH SDJH VL]H LQ WKH IURQW SDQHO 7KH GHIDXOW 6L]H VHWWLQJ 6RIWZDUH LQ WKH 3DJH )RUPDW PHQX FDXVHV WKH SULQWHU WR ORRN IRU WKH SDJH VL]H LQIRUPDWLRQ LQ WKH SULQW ILOH LI LW LV WKHUH WKH SULQWHU XVHV LW +RZHYHU VRPH RI WKH FLUFXPVWDQFHV LQ ZKLFK \RX PD\ ZDQW WR FKDQJH WKH GHIDXOW VHWWLQJ DUH n , I \RX ZDQW WR SULQW WKH LQNHG DUHD RQO\ EXW WKH GULYHU \RX DUH XVLQJ GRHV QRW VSHFLI\ , QNHG DUHD &RQWUROOLQJ WKH 3DJH )RUPDW 3DJH )RUPDW , Q WKLV FDVH VHW WKH 6L]H VHWWLQJ LQ WKH 3DJH IRUPDW PHQX WR , QNHG DUHD , I \RX FDQ VHOHFW , QNHG DUHD IURP \RXU GULYHU DQ\ VHOHFWLRQ \RX KDYH PDGH LQ WKH IURQWSDQHO PHQX ZLOO EH RYHUULGGHQ E\ WKH VHWWLQJV LQ WKH GULYHU n :KHQ WKH SULQWV \RX DUH FUHDWLQJ QHHG WR EH RI D VSHFLILF VWDQGDUG IRU H[DPSOH , 62 RU $16, 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 WKH IURQWSDQHO SDJHVL]H VHWWLQJV KDYH QR HIIHFW RQ 3RVW6FULSW ILOHV WKDW DOUHDG\ FRQWDLQ SDJHVL]H LQIRUPDWLRQ ZKLFK LQFOXGHV DOO 3RVW6FULSW ILOHV VHQW XVLQJ RQH RI WKH +3 'HVLJQ-HW 3RVW6FULSW GULYHUV VXSSOLHG ZLWK WKLV SULQWHU , I \RX DUH XVLQJ WKH IURQWSDQHO 36 6FDOH)LW WR SDJH RSWLRQ WKHQ WKH SULQWHU XVHV WKH SDJH VL]H VHW LQ WKH SULQWHU V IURQW SDQHO DV IROORZV n , I WKH SDJH VL]H LV VHW WR D GLVFUHWH VL]H LW XVHV WKH VSHFLILHG SDJH VL]H n , I WKH SDJH VL]H LV VHW WR 6RIWZDUH WKH SULQWHU FDOFXODWHV WKH SDJH ZLGWK DV WKH ZLGWK RI WKH ORDGHG SDSHU DQG WKH SDJH OHQJWK DV WLPHV WKH ZLGWK RI WKH ORDGHG SDSHU n , I WKH SDJH VL]H LV VHW WR , QNHG DUHD WKH SULQWHU FDOFXODWHV WKH SDJH ZLGWK DV WKH ZLGWK RI WKH ORDGHG SDSHU DQG WKH SDJH OHQJWK DV WKH KHLJKW RI WKH LQNHG DUHD SOXV WKH WRS DQG ERWWRP PDUJLQV RI WKH SDJH n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n FRQWHQW RI WKH LPDJH LH LQN GHQVLW\ DQG FRORU n VWDWXV RI WKH SULQWKHDGV n HQYLURQPHQWDO FRQGLWLRQV n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htrTvr @rqrq 5ROO 3DSHU Q Tp v Ihy $ $ Uhvyvt@qtr $ !v $ $ $ $ $ 9v rp v s t Grhqvt@qtr Qvvt6rh urhr rhv ur v r r r QhtrTvr Ihy Q Tp v Uhvyvt@qtr Qvvt6rh $ $ $ $ $ 2 2 2 !v #v (v rh v t tr 6KHHW 3DSHU &RQWUROOLQJ WKH 3DJH )RUPDW 5RWDWLQJ DQ , PDJH 3RVW6FULSW 5RWDWLQJ DQ , PDJH 3RVW6FULSW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 )RU PRUH LQIRUPDWLRQ FRQVXOW WKH GRFXPHQWDWLRQ RI WKH WKLUG SDUW\ GULYHU &RQWUROOLQJ WKH 3DJH )RUPDW 5RWDWLQJ DQ , PDJH 3RVW6FULSW :KDW LV 5RWDWHG" u :LWK UROO SDSHU ERWK WKH LPDJH DQG WKH SDJH RULHQWDWLRQ DUH URWDWHG C4704043 u 1RWLFH WKDW WKH QDUURZ PDUJLQV DUH DOZD\V DW WKH OHIW DQG ULJKW VLGHV UHJDUGOHVV RI WKH RULHQWDWLRQ 7KH SDJH VL]H LV DGMXVWHG WR PDLQWDLQ WKH SULQWLQJ DUHD SUHYHQWLQJ FOLSSLQJ :LWK VKHHW SDSHU WKH LPDJH LV URWDWHG EXW WKH SDJH RULHQWDWLRQ VSHFLILHG LQ \RXU VRIWZDUH LV UHWDLQHG <RX VKRXOG DOZD\V ORDG VKHHW SDSHU LQ WKH RULHQWDWLRQ \RX KDYH VSHFLILHG LQ WKH VRIWZDUH C4704044 &RQWUROOLQJ WKH 3DJH )RUPDW 5RWDWLQJ DQ , PDJH 3RVW6FULSW )RU 1RQ3RVW6FULSW )LOHV n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n 3RVVLELOLW\ RI &OLSSHG , PDJHV ZLWK 5RWDWHG , PDJHV :LWK HLWKHU UROO RU VKHHW SDSHU LI \RX URWDWH DQ LPDJH WR ODQGVFDSH ZKRVH RULJLQDO RULHQWDWLRQ ZDV SRUWUDLW WKH SDSHU PD\ QRW EH ZLGH HQRXJK IRU WKH LPDJH DQG LW PD\ EH FOLSSHG )RU H[DPSOH URWDWLQJ D SRUWUDLW '$VL]H LPDJH RQ '$VL]H SDSHU E\ GHJUHHV ZLOO SUREDEO\ UHVXOW LQ D FOLSSHG LPDJH &RQWUROOLQJ WKH 3DJH )RUPDW 3ULQWLQJ D 0LUURU , PDJH 3ULQWLQJ D 0LUURU , PDJH 3DJH IRUPDW 0LUURULQJ )XOO PHQX PRGH 'HIDXOW 2II $IIHFWV QH[W SULQW 5HVHWV DIWHU SRZHU RII , I \RX DUH XVLQJ FOHDU LPDJLQJ SDSHU VRPHWLPHV FDOOHG EDFNOLW \RX PD\ ZDQW WR SULQW D PLUURU LPDJH RI \RXU SULQW VR WKDW ZKHQ WKH SDSHU LV OLW IURP EHKLQG LW LV LQ WKH FRUUHFW RULHQWDWLRQ 7KLV FDQ EH GRQH IURP WKH IURQW SDQHO ZLWKRXW FKDQJLQJ WKH LPDJH LQ \RXU VRIWZDUH 0LUURU 2II 0LUURU 2Q C4704051 &RQWUROOLQJ WKH 3DJH )RUPDW &KDQJLQJ WKH 6FDOH RI D 3ULQWHG , PDJH &KDQJLQJ WKH 6FDOH RI D 3ULQWHG , PDJH &0 3DJH IRUPDW 36 6FDOH )XOO PHQX PRGH RQO\ 'HIDXOW :LWK D 3RVW6FULSW ILOH \RX FDQ HQODUJH \RXU SULQWHG LPDJH IURP WKH SULQWHU V IURQW SDQHO E\ XVLQJ WKH 36 VFDOH RSWLRQ DFFHVVHG IURP WKH 3DJH IRUPDW PHQX 7KH 36 VFDOH IHDWXUH LV XVHIXO n , I \RXU VRIWZDUH GRHV QRW VXSSRUW ODUJH IRUPDWV n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 3ULQWLQJ &RORU , PDJHV LQ *UD\VFDOH 3ULQWLQJ 6SHHGV DQG 3ULQW 4XDOLW\ &RQWUROOLQJ WKH 2YHUDOO $SSHDUDQFH RI D 3ULQW :D\V RI &RQWUROOLQJ WKH 3ULQWV $SSHDUDQFH :D\V RI &RQWUROOLQJ WKH 3ULQWV $SSHDUDQFH &0 127( 8QOHVV \RX KDYH VSHFLILFDOO\ LQGLFDWHG LQ \RXU VRIWZDUH WKDW WKH SULQWHUV IURQWSDQHO VHWWLQJV DUH WR EH XVHG IRU H[DPSOH 3ULQWHUV GHIDXOW 6HWWLQJ LQ D 0DFLQWRVK 3ULQW 2SWLRQV ZLQGRZ WKH VRIWZDUH VHWWLQJV IRU D 3RVW6FULSW ILOH RYHUULGH WKH SULQWHU IURQWSDQHO VHWWLQJV GHVFULEHG LQ WKLV FKDSWHU 7KLV FKDSWHU GLVFXVVHV WKH ZD\V \RX FDQ FRQWURO WKH RYHUDOO DSSHDUDQFH RI \RXU SULQWV IURP WKH IURQW SDQHO LQ WHUPV RI n SHQ ZLGWK n SHQ FRORU n WUHDWPHQW RI RYHUODSSLQJ OLQHV n UHQGHULQJ FRORU LPDJHV LQ JUD\VFDOH n RYHUDOO SULQW TXDOLW\ DQG UHVROXWLRQ 6RPH IURQWSDQHO VHOHFWLRQV DIIHFW WKH QH[W ILOH \RX VHQG IURP \RXU FRPSXWHU QRW SDJHV DOUHDG\ LQ WKH SULQWHU V TXHXH , I WKLV LV WKH FDVH LW LV VWDWHG LQ WKH UHOHYDQW SDUW RI WKLV FKDSWHU 6RPH RI WKH FRQWUROV DUH DYDLODEOH XVLQJ WKH IURQWSDQHO PHQXV IRU H[DPSOH SHQ ZLGWK SHQ FRORU RYHUODSSLQJ OLQHV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n )DFWRU\ n 3DOHWWH $ n 3DOHWWH % 7KH IDFWRU\ SDOHWWH FDQQRW EH FKDQJHG <RX FDQ KRZHYHU FKDQJH WKH OLQH ZLGWK DQG FRORU VHWWLQJV IRU HDFK SHQ LQ WKH UHPDLQLQJ WZR SDOHWWHV SDOHWWH $ DQG SDOHWWH %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 &KDQJLQJ WKH 7UHDWPHQW RI 2YHUODSSLQJ /LQHV 0HUJH CQBG!Trvt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n <RX ZDQW D GUDIW ZKHUH FRORU LV QRW LPSRUWDQW IRU H[DPSOH WR FKHFN WKDW WKH LPDJH LV QRW JRLQJ WR EH FOLSSHG n <RX ZDQW D YHUVLRQ IRU SKRWRFRS\LQJ LQ EODFN DQG ZKLWH *UD\VFDOH SULQWLQJ UHQGHUV FRORUV DV JUD\VFDOHV UDWKHU WKDQ DOO FRORUV DV EODFN , I \RX ZDQW DOO FRORUV WR EH SULQWHG DV EODFN WKHQ \RX VKRXOG VHW DOO \RXU FRORUV WR EODFN LQ \RXU VRIWZDUH )RU H[DPSOH LI VXSSRUWHG LQ \RXU VRIWZDUH XVH D SHQ QXPEHU WKDW LV EODFN $OWHUQDWLYHO\ \RX FRXOG PDNH RQH RI WKH SULQWHU V LQWHUQDO SDOHWWHV $ RU % DOO EODFN DQG WKHQ VHOHFW WKLV DV WKH FXUUHQW SDOHWWH VHH SDJH LQ WKLV FKDSWHU IRU DQ H[SODQDWLRQ RI SDOHWWHV &0 127( 7KH 3DOHWWH 6HWWLQJV GR QRW DIIHFW 3RVW6FULSW ILOHV n <RX FDQQRW FKDQJH WKH FRORUJUD\VFDOH VHWWLQJ IRU SDJHV DOUHDG\ LQ WKH SULQWHU V TXHXH n +3*/ GULYHUV PD\ RYHUULGH WKLV VHWWLQJ &RQWUROOLQJ WKH 2YHUDOO $SSHDUDQFH RI D 3ULQW 3ULQWLQJ &RORU , PDJHV LQ *UD\VFDOH 6ZLWFKLQJ %HWZHHQ &RORU DQG *UD\VFDOH 8VH WKH IURQWSDQHO NH\ VKRZQ EHORZ WR WRJJOH EHWZHHQ FRORU DQG JUD\VFDOH FORM FEED AND CUT CANCEL TOP BACK BEST NORMAL DRAFT COLOR GRAYSCALE PRINT CURRENT CONFIGURATION (PRSS BOTH KEYS) ENTER PRINT QUALITY COLOR & 6HQG WKH ILOH IURP \RXU FRPSXWHU 7KH VHWWLQJ \RX KDYH LQ \RXU GULYHU ZLOO RYHUULGH WKH VHWWLQJ LQ WKH IURQW SDQHO 127( 7KH &RORU*UD\VFDOH VHWWLQJ DOVR HIIHFWV PRVW RI WKH SULQWHU V LQWHUQDO SULQWV 7KH 3ULQW 4XDOLW\ SULQW LV DOZD\V SULQWHG LQ FRORU HYHQ ZKHQ *UD\VFDOH LV VHOHFWHG LQ WKH IURQW SDQHO &RQWUROOLQJ WKH 2YHUDOO $SSHDUDQFH RI D 3ULQW 3ULQWLQJ 6SHHGV DQG 3ULQW 4XDOLW\ 3ULQWLQJ 6SHHGV DQG 3ULQW 4XDOLW\ 6RPH 7\SLFDO 3ULQWLQJ 7LPHV OLQH GUDZLQJV # & DQG UHODWLYH KXPLGLW\ 3DSHU %ULJKW :KLWH %ULJKW :KLWH %ULJKW :KLWH %ULJKW :KLWH %ULJKW :KLWH %ULJKW :KLWH &RDWHG 3DSHU &RDWHG 3DSHU &RDWHG 3DSHU &RDWHG 3DSHU &RDWHG 3DSHU &RDWHG 3DSHU +HDY\ &RDWHG 3DSHU +HDY\ &RDWHG 3DSHU +HDY\ &RDWHG 3DSHU +HDY\ &RDWHG 3DSHU +HDY\ &RDWHG 3DSHU +HDY\ &RDWHG 3DSHU *ORVV\ 3DSHU *ORVV\ 3DSHU *ORVV\ 3DSHU *ORVV\ 3DSHU *ORVV\ 3DSHU *ORVV\ 3DSHU &RORU*UD\VFDOH &RORU &RORU &RORU *UD\VFDOH *UD\VFDOH *UD\VFDOH &RORU &RORU &RORU *UD\VFDOH *UD\VFDOH *UD\VFDOH &RORU &RORU &RORU *UD\VFDOH *UD\VFDOH *UD\VFDOH &RORU &RORU &RORU *UD\VFDOH *UD\VFDOH *UD\VFDOH %HVW 1RUPDO 'UDIW %HVW 1RUPDO 'UDIW %HVW 1RUPDO 'UDIW %HVW 1RUPDO 'UDIW %HVW 1RUPDO 'UDIW %HVW 1RUPDO 'UDIW %HVW 1RUPDO 'UDIW %HVW 1RUPDO 'UDIW $16, ' VL]H 7LPH LQ VHFV $16, ( VL]H 7LPH LQ VHFV &RQWUROOLQJ WKH 2YHUDOO $SSHDUDQFH RI D 3ULQW 3ULQWLQJ 6SHHGV DQG 3ULQW 4XDOLW\ 3ULQW 4XDOLW\ 6HWWLQJV <RX FDQ VHW WKH RYHUDOO SULQW TXDOLW\ IURP WKH IURQW SDQHO , Q JHQHUDO n &KRRVH 'UDIW IRU PD[LPXP SURGXFWLYLW\ , GHDO IRU FKHFNLQJ SULQWV ZKHQ SULQW TXDOLW\ LV QRW WKH PRVW LPSRUWDQW n &KRRVH 1RUPDO WR JHW D JRRG FRPELQDWLRQ RI SULQW TXDOLW\ DQG SURGXFWLYLW\ , GHDO IRU OLQH GUDZLQJV ZLWK JRRG SULQW TXDOLW\ DQG DW VSHHG n &KRRVH %HVW WR JHW WKH KLJKHVW SRVVLEOH LPDJH TXDOLW\ <RX FDQ SULQW LPDJHV LQ GLIIHUHQW VHWWLQJV WR VHH ZKLFK JLYHV WKH EHVW FRPELQDWLRQ RI WKURXJKSXW DQG TXDOLW\ IRU \RXU DSSOLFDWLRQ 7KH UHVROXWLRQ DW ZKLFK \RXU SULQW ZLOO EH SULQWHG LV VXPPDUL]HG LQ WKH WDEOH EHORZ 3ULQW TXDOLW\ VHWWLQJ *UD\VFDOH 'UDIW 1RUPDO %HVW [ [ 5HVROXWLRQ LQ GSL &RORU [ RU [ VHH QRWH  [ RU [ VHH QRWH  [ [ RU [ VHH QRWH 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 8VH \RXU GULYHU IRU VHWWLQJ WKH SULQW TXDOLW\ RI LPDJHV VHQW IURP \RXU FRPSXWHU 8VH WKH IURQW SDQHO WR VHW WKH SULQW TXDOLW\ IRU LQWHUQDO SULQWV , I \RXU VRIWZDUH UDVWHU LPDJLQJ SURFHVVRU 5, 3 V\VWHP KDV SULQW TXDOLW\ VHWWLQJV VHOHFW \RXU SULQW PRGH IURP WKH 5, 3 , W VKRXOG RYHUULGH WKH IURQWSDQHO VHWWLQJV CANCEL FORM FEED AND CUT TOP BACK BEST NORMAL DRAFT COLOR GRAYSCALE PRINT CURRENT CONFIGURATION (PRSS BOTH KEYS) ENTER LITY & & 6HH SDJH &RPELQDWLRQV RI 3DSHU 7\SH DQG 3ULQW 4XDOLW\ 6HOHFWLRQ IRU PRUH LQIRUPDWLRQ DERXW DSSURSULDWH FRPELQDWLRQV RI SDSHU W\SH DQG SULQW PRGHV 127( <RX FDQQRW FKDQJH WKH SULQW PRGH VHWWLQJ IRU SDJHV EHLQJ UHFHLYHG RU DOUHDG\ LQ WKH SULQWHU V LQWHUQDO TXHXH PHPRU\ 0DQDJLQJ <RXU 3ULQWV 0DQDJLQJ 3DJHV &XUUHQWO\ EHLQJ 3ULQWHG RU 'U\LQJ 0DQDJLQJ 3DJHV 1RW <HW 3ULQWHG WKH 4XHXH $YRLGLQJ 3DSHU :DVWH E\ 1HVWLQJ 3DJHV 0DQDJLQJ <RXU 3ULQWV 0DQDJLQJ 3DJHV &XUUHQWO\ EHLQJ 3ULQWHG RU 'U\LQJ 0DQDJLQJ 3DJHV &XUUHQWO\ EHLQJ 3ULQWHG RU 'U\LQJ , Q WKLV FKDSWHU WKH WHUPV MRE DQG SDJH DUH XVHG LQWHUFKDQJHDEO\ IRU ILOHV 57/ DQG +3*/ MREV DUH VLQJOH SDJH MREV :KHUH ZH WDON DERXW WKH SULQW SDSHU WKH WHUP SDJH PHDQV D VLQJOH RXWSXW SDJH &0 3RVW6FULSW MREV PD\ KDYH PXOWLSOH SDJHV &DQFHOOLQJ D 3DJH 3UHVV &DQFHO RQ WKH IURQW SDQHO CANCEL FORM FEED AND CUT TOP BACK BEST MEL AFT COLOR GRAYSCALE PRINT CURRENT CONFIGURATION (PRESS BOTH KEYS) ENTER INT QUALITY COLOR & 7KH SULQWHU DGYDQFHV WKH SDSHU DV WKRXJK WKH SULQW ZHUH ILQLVKHG $ PXOWLSDJH MRE RU D ELJ ILOH PD\ WDNH ORQJHU WR VWRS SULQWLQJ WKDQ RWKHU ILOHV &0 3RVW6FULSW MREV PD\ WDNH ORQJHU WR VWRS SULQWLQJ 0DQDJLQJ <RXU 3ULQWV 0DQDJLQJ 3DJHV &XUUHQWO\ EHLQJ 3ULQWHG RU 'U\LQJ &DQFHOOLQJ WKH 'U\LQJ 7LPH 3UHVV WKH &DQFHO RU (QWHU NH\ RQ WKH IURQW SDQHO CANCEL FORM FEED AND CUT TOP BACK BEST MEL AFT COLOR GRAYSCALE PRINT CURRENT CONFIGURATION (PRESS BOTH KEYS) ENTER NT QUALITY COLOR & 7KH SULQWHU ZLOO UHOHDVH WKH SDSHU DQG LW ZLOO IDOO LQWR WKH SDSHU ELQ &$87, 21 8VH FDXWLRQ ZKHQ SHUIRUPLQJ WKLV SURFHGXUH DV DQ LPDJH ZKLFK KDV KDG LQVXIILFLHQW WLPH WR GU\ FRXOG JHW GDPDJHG 0DQDJLQJ <RXU 3ULQWV 0DQDJLQJ 3DJHV 1RW <HW 3ULQWHG WKH 4XHXH 0DQDJLQJ 3DJHV 1RW <HW 3ULQWHG WKH 4XHXH :KDW LV WKH 4XHXH" RV@V@DIBI@TUDIB 4XHXH $OO PHQX PRGHV 'HIDXOW 2II <RXU SULQWHU FDQ VWRUH SDJHV LQ D TXHXH DW WKH VDPH WLPH DV SULQWLQJ WKH FXUUHQW SDJH , W VWRUHV WKHP SDJH E\ SDJH , I \RX VHQG RQO\ VLQJOHSDJH \RX FDQ UHJDUG WKHVH DV ILOHV 7KH VL]H RI WKH TXHXH LV OLPLWHG E\ QXPEHU RI MREV PD[LPXP RI MREV FRQWDLQLQJ XS WR SDJHV WRWDO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n <RX FDQ VHQG SDJHV WR WKH SULQWHU ZLWKRXW ZDLWLQJ IRU WKH FXUUHQW SDJH WR ILQLVK SULQWLQJ n 3DJHV DUH VWRUHG LQ WKH TXHXH LQ WKH RUGHU WKH\ DUH UHFHLYHG n <RX FDQ PDQLSXODWH WKH SDJHV LQ WKH TXHXH IRU H[DPSOH SULRULWL]LQJ WKHP DQG UHSULQWLQJ WKHP n <RX FDQ XVH QHVWLQJ WKH SULQWHU V SDSHUVDYLQJ IHDWXUH VHH SDJH $YRLGLQJ 3DSHU :DVWH E\ 1HVWLQJ 3DJHV n :KLOH RQH SDJH LV SULQWLQJ WKH SULQWHU ZLOO DFFHSW DQG SURFHVV WKH QH[W ILOH 0DQDJLQJ <RXU 3ULQWV 0DQDJLQJ 3DJHV 1RW <HW 3ULQWHG WKH 4XHXH :LWK 4XHXHLQJ 7XUQHG 2)) , I 4XHXHLQJ LV 2II DQG WKH SULQWHU UHFHLYHV SULQW ILOHV WKH ILOHV DUH SULQWHG DV WKH\ DUH UHFHLYHG DQG DUH QRW VWRUHG LQ WKH TXHXH 1HVWLQJ VHWWLQJV KDYH QR HIIHFW ZKHQ 4XHXHLQJ LV 2II n )LOHV DUH SULQWHG DV WKH\ DUH UHFHLYHG DQG DUH QRW VWRUHG LQ WKH TXHXH n 7KH SULQWHU ZLOO QRW DFFHSW DQRWKHU ILOH VHQW IURP WKH FRPSXWHU XQWLO WKH FXUUHQW SDJH KDV ILQLVKHG SULQWLQJ DQG WKH SULQWHU LV UHDG\ n <RX FDQQRW XVH QHVWLQJ , I \RX WXUQ TXHXHLQJ RII ZKLOH SDJHV DUH VWLOO LQ WKH TXHXH WKH\ ZLOO EH SULQWHG DQG LI QHVWLQJ LV RQ QHVWHG XQWLO WKH TXHXH LV HPSW\ 127( , I WKH SULQWHU LV WXUQHG RII ZLWK XQSULQWHG ILOHV LQ WKH TXHXH WKH ILOHV DUH ORVW DQG PXVW EH UHVHQW 0DQDJLQJ <RXU 3ULQWV 0DQDJLQJ 3DJHV 1RW <HW 3ULQWHG WKH 4XHXH 6WDUWLQJ WR 3ULQW D )LOH WKDW LV :DLWLQJ IRU D 7LPHRXW , I DOO LV LQ RUGHU SDSHU ORDGHG DOO LQN FRPSRQHQWV LQVWDOOHG DQG QR ILOH HUURUV WKHUH DUH VWLOO UHDVRQV ZK\ D ILOH \RX KDYH VHQW IURP \RXU FRPSXWHU PD\ QRW VWDUW SULQWLQJ ZKHQ H[SHFWHG n 7KH SULQW ILOH PD\ ODFN D SURSHU ILOH WHUPLQDWRU DQG WKH SULQWHU LV WKHUHIRUH ZDLWLQJ IRU WKH VSHFLILHG , 2 WLPHRXW SHULRG EHIRUH DVVXPLQJ LW LV FRPSOHWH 6HH SDJH 7R &KDQJH WKH , 2 7LPHRXW 6HWWLQJ n 1HVWLQJ PD\ EH RQ DQG WKH SULQWHU LV ZDLWLQJ IRU WKH VSHFLILHG QHVW ZDLW WLPHRXW SHULRG EHIRUH FDOFXODWLQJ WKH DSSURSULDWH QHVWV , Q WKLV FDVH WKH SULQWHU GLVSOD\ VKRZV WKH UHPDLQLQJ WLPH IRU WKH QHVWLQJ WLPHRXW 6HH SDJH +RZ /RQJ GRHV WKH 3ULQWHU :DLW IRU $QRWKHU )LOH" n , I \RXU ILOH KDV VHOHFWHG VKHHW RU UROO SDSHU WR SULQW WKH MRE RQWR EXW WKH VHOHFWHG SDSHU LV QRW ORDGHG LQWR WKH SULQWHU WKH IURQW SDQHO ZLOO SURPSW \RX WR ORDG WKH VHOHFWHG SDSHU RQFH \RX ORDG WKH SDSHU WKH SULQWHU ZLOO SULQW WKH MRE RU 3UHVV WKH FDQFHO NH\ DQG UHVHQG WKH MRE ZLWK SDSHU WKDW \RX KDYH DYDLODEOH , I \RX ZDQW WR RYHUULGH WKH WLPHRXW SHULRG DQG VWDUW SULQWLQJ 3UHVV )RUP )HHG DQG &XW RQ WKH IURQW SDQHO CANCEL FORM FEED AND CUT TOP BACK BEST NORM DRA COLOR GRAYSCALE PRINT CURRENT CONFIGURATION (PRESS BOTH KEYS) ENTER & 0DQDJLQJ <RXU 3ULQWV 0DQDJLQJ 3DJHV 1RW <HW 3ULQWHG WKH 4XHXH RV@V@DIBI@TUDIB , GHQWLI\LQJ D -RE LQ WKH 4XHXH , Q 4XHXHLQJ 1HVWLQJ \RX FDQ VFUROO WKURXJK WKH SDJHV LQ WKH TXHXH (DFK KDV DQ LGHQWLILHU FRPSULVLQJ SRVLWLRQ LQ TXHXH!LPDJH QDPH! 4XHXH PJPW -RE 1DPH $OO PHQX PRGHV 3RVLWLRQ LQ 4XHXH , I DYDLODEOH 7KH MRE FXUUHQWO\ EHLQJ SULQWHG LV LQ SRVLWLRQ 7KH QH[W MRE WR EH SULQWHG LV LQ SRVLWLRQ WKH RQH DIWHU LQ SRVLWLRQ HWF 7KH SUHYLRXV MRE SULQWHG LV LQ SRVLWLRQ WKH RQH EHIRUH WKDW LQ SRVLWLRQ HWF MREV \HW WR EH SULQWHG XS WR MREV FXUUHQW MRE MREV DOUHDG\ SULQWHG 0DQDJLQJ <RXU 3ULQWV 0DQDJLQJ 3DJHV 1RW <HW 3ULQWHG WKH 4XHXH 9LHZLQJ WKH 6L]H RI D 3DJH LQ WKH 4XHXH 1RQ3RVWVFULSW 7R YLHZ WKH VL]H RI DQ\ SDJH LQ WKH TXHXH VHOHFW LW DQG FKRRVH 6WDWLVWLFV RrrvtIrvt 4XHXH PJPW -RE QDPH 6WDWLVWLFV XvquGrtu 6WDWLVWLF :LGWK /HQJWK &RPPHQWV 7KH VKRUWHU VLGH RI WKH SDJH LQ PLOOLPHWHUV 7KH ORQJHU VLGH RI WKH SDJH LQ PLOOLPHWHUV 3ULRULWL]LQJ D -RE LQ WKH 4XHXH 7R PDNH DQ\ MRE LQ WKH TXHXH WKH QH[W RQH WR EH SULQWHG VHOHFW LW DQG FKRRVH 0RYH WR WRS , I QHVWLQJ LV WXUQHG RQ VHH SDJH :KDW LV 1HVWLQJ" WKH SULRULWL]HG MRE PD\ VWLOO EH QHVWHG ZLWK RWKHUV , I \RX UHDOO\ ZDQW WKLV MRE WR EH SULQWHG QH[W DQG RQ LWV RZQ RQ WKH UROO WKHQ ILUVW WXUQ QHVWLQJ RII DQG WKHQ XVH 0RYH WR WRS WR PRYH LW WKH WRS RI WKH TXHXH RrrvtIrvt 4XHXH PJPW -RE QDPH 0RYH WR WRS $OO PHQX PRGHV 'HOHWLQJ D -RE IURP WKH 4XHXH RrrvtIrvt 4XHXH PJPW -RE QDPH 'HOHWH 3DJH $OO PHQX PRGHV 8QGHU QRUPDO FLUFXPVWDQFHV WKHUH LV QR QHHG WR GHOHWH D MRE IURP WKH TXHXH DIWHU SULQWLQJ LW DV LW ZLOO MXVW IDOO RII WKH HQG RI WKH TXHXH DV PRUH ILOHV DUH VHQW +RZHYHU LI \RX KDYH VHQW D ILOH LQ HUURU DQG ZDQW WR DYRLG DQ\ FKDQFH RI LW EHLQJ UHSULQWHG \RX FDQ VLPSO\ GHOHWH LW E\ VHOHFWLQJ LW DQG FKRRVLQJ 'HOHWH 7R UHPRYH D MRE WKDW KDV QRW \HW EHHQ SULQWHG VLPSO\ LGHQWLI\ LW E\ LWV SRVLWLRQ LQ WKH TXHXH VHH SDJH 3RVLWLRQ LQ 4XHXH DQG GHOHWH LW E\ FKRRVLQJ 'HOHWH , I WKH MRE LV FXUUHQWO\ EHLQJ SULQWHG LWV TXHXH SRVLWLRQ LV  DQG \RX ZDQW ERWK WR FDQFHO WKH MRE DQG WR GHOHWH LW ILUVW SUHVV WKH &DQFHO NH\ DQG WKHQ GHOHWH LW IURP WKH TXHXH 0DQDJLQJ <RXU 3ULQWV 0DQDJLQJ 3DJHV 1RW <HW 3ULQWHG WKH 4XHXH 0DNLQJ &RSLHV RI D -RE LQ WKH 4XHXH +DV WKH MRE DOUHDG\ EHHQ SULQWHG" <HV 'R \RX ZDQW RQH FRS\ RU VHYHUDO" 2QH 6HYHUDO :KDW WR GR 8VH 0RYH WR WRS VHH SDJH 3ULRULWL]LQJ D -RE LQ WKH 4XHXH 8VH &RSLHV VHH EHORZ DQG WKHQ XVH 0RYH WR WRS VHH SDJH 3ULRULWL]LQJ D -RE LQ WKH 4XHXH 8VH &RSLHV VHH EHORZ 8VH &RSLHV VHH EHORZ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 ZDV RQ ZKHQ \RX VHQW WKH ILOH HYHU\ FRS\ ZLOO EH URWDWHG DOVR RrrvtIrvt 4XHXH PJPW -RE QDPH &RSLHV (( $OO PHQX PRGHV 'HIDXOW 0DQDJLQJ <RXU 3ULQWV $YRLGLQJ 3DSHU :DVWH E\ 1HVWLQJ 3DJHV $YRLGLQJ 3DSHU :DVWH E\ 1HVWLQJ 3DJHV 127( 1HVWLQJ FDQ RQO\ EH XVHG ZLWK UROO SDSHU :KDW LV 1HVWLQJ" 1HVWLQJ PHDQV SODFLQJ SDJHV VLGHE\VLGH RQ WKH SDSHU UDWKHU WKDQ RQH DIWHU WKH RWKHU WR DYRLG ZDVWLQJ SDSHU 5ROO 'LUHFWLRQ RI SDSHU IORZ 3DSHU VDYHG 1HVWLQJ RII 1HVWLQJ RQ & 0DQDJLQJ <RXU 3ULQWV $YRLGLQJ 3DSHU :DVWH E\ 1HVWLQJ 3DJHV $XWRPDWLF 5RWDWLRQ 7KH SULQWHU PD\ DXWRPDWLFDOO\ URWDWH D SDJH LQ QHVWLQJ VHH SDJH 7XUQLQJ 1HVWLQJ 2Q RU 2II DQG &KRRVLQJ WKH 1HVWLQJ 0HWKRG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n 7KH SULQWHU LV ORDGHG ZLWK UROO SDSHU UDWKHU WKDQ VKHHW SDSHU n , Q WKH IURQWSDQHO PHQXV 4XHXH LV 21 WKH GHIDXOW 6HH SDJH :KDW LV WKH 4XHXH" n , Q WKH IURQWSDQHO PHQXV 1HVW LV 21 WKDW LV VHW WR HLWKHU 2SWLPDO RU , Q RUGHU 6HH SDJH 7XUQLQJ 1HVWLQJ 2Q RU 2II DQG &KRRVLQJ WKH 1HVWLQJ 0HWKRG 0DQDJLQJ <RXU 3ULQWV $YRLGLQJ 3DSHU :DVWH E\ 1HVWLQJ 3DJHV :KLFK 3DJHV 4XDOLI\ IRU 1HVWLQJ" , Q RUGHU WR EH LQ WKH VDPH QHVW WKH LQGLYLGXDO SDJHV PXVW EH FRPSDWLEOH RQ ERWK WKH IROORZLQJ FULWHULD n &RORU RU JUH\VFDOH 127( (LWKHU DOO DUH FRORU RU DOO DUH JUH\VFDOH *UH\VFDOH PD\ LQFOXGH D FRORU SDJH UHQGHUHG LQ JUD\VFDOHV E\ XVH RI WKH IURQWSDQHO &RORU*UH\VFDOH NH\ VHH SDJH 3ULQWLQJ &RORU , PDJHV LQ *UD\VFDOH n n n n n n )LOHV PXVW EH DW WKH VDPH GRWV SHU LQFK VHWWLQJ $OO SDJHV PXVW KDYH WKH VDPH SULQW TXDOLW\ VHWWLQJ %HVW 1RUPDO 'UDIW 0DUJLQ VL]HV PXVW EH WKH VDPH IRU DOO SDJHV QRUPDO H[WHQGHG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 E\ SUHVVLQJ WKH )RUP )HHG DQG &XW NH\ 0DQDJLQJ <RXU 3ULQWV 1HVW 6SDFLQJ 6HWWLQJ WKH VSDFH LQ EHWZHHQ QHVWHG SDJHV 1HVW 6SDFLQJ 6HWWLQJ WKH VSDFH LQ EHWZHHQ QHVWHG SDJHV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vrpvs hrsy Irhpvt %XW E\ FKDQJLQJ WKH QHVW VSDFLQJ WR PP \RX DUH DEOH WR SULQW DOO IRXU SDJHV RQWR WKH VDPH OLQH DOORZLQJ PRUH HIILFLHQW XVH RI WKH PHGLD 9vrpvs hrsy Irhpvt 0DQDJLQJ <RXU 3ULQWV 1HVW 6SDFLQJ 6HWWLQJ WKH VSDFH LQ EHWZHHQ QHVWHG SDJHV 7R VHW WKH QHVW VSDFLQJ JR WR 3DJH )RUPDW1HVW 6SDFLQJ 3DJH )RUPDW 1HVW 6SDFLQJ )XOO PHQX PRGHV 'HIDXOW $XWRPDWLF 1HVW VSDFLQJ VHWWLQJ VHOHFWHG PP PP PP PP PP PP PP 3ULQWHUV UHVSRQVH 7KH SULQWHU OHDYHV DSSUR[LPDWHO\ WKH JDS VHOHFWHG LQ EHWZHHQ SDJHV LQ D QHVW 7KH SULQWHU URXQGV XS RU GRZQ WKH JDS VHOHFWHG ZLWK D PD[LPXP HUURU RI PP 0DQDJLQJ <RXU 3ULQWV 1HVW 6SDFLQJ 6HWWLQJ WKH VSDFH LQ EHWZHHQ QHVWHG SDJHV 5HFRQILJXULQJ <RXU 3ULQWHU +3*/ &RQILJXUDWLRQ 3ULQW 9LHZLQJ WKH &XUUHQW &RQILJXUDWLRQ RI WKH )URQW3DQHO 6HWWLQJV 9LHZLQJ WKH &XUUHQW &RQILJXUDWLRQ RI WKH )URQW3DQHO 6HWWLQJV 7R &KDQJH WKH )URQW3DQHO 6HWWLQJV 5HFDOLEUDWLQJ WKH 3ULQWHU IRU $FFXUDF\ &KDQJLQJ WKH *UDSKLFV /DQJXDJH &KDQJLQJ WKH , QWHUIDFH 6HWWLQJV 7R &KDQJH WKH , 2 7LPHRXW 6HWWLQJ 8SJUDGLQJ <RXU 3ULQWHU , PSURYLQJ 3ULQWHU 7KURXJKSXW 5HFRQILJXULQJ <RXU 3ULQWHU +3*/ &RQILJXUDWLRQ 3ULQW +3*/ &RQILJXUDWLRQ 3ULQW 8WLOLWLHV 7HVW 3ULQWV +3*/ &RQILJ 7R HQDEOH \RX WR VHH DOO RI WKH VHWWLQJV WKDW \RXU SULQW FXUUHQWO\ KDV \RX FDQ SULQW D +3*/ 5HIHU WR SDJH 3ULQWLQJ WKH &XUUHQW &RQILJXUDWLRQ , WHP 3DSHU &RPPHQWV 3DSHU )RUPDW 7HOOV \RX LI VKHHW SDSHU LV ORDGHG RU UROO 3DSHU 7HOOV \RX ZKDW W\SH RI SDSHU LV ORDGHG VHH SDJH 3DSHU 7\SHV 0D[ ;< 'LVSOD\V ZKDW WKH PD[LPXP SULQWLQJ DUHD LV VHH SDJH 3ULQWDEOH $UHD 7KLV JLYHV LQIRUPDWLRQ RQ WKH VWDWXV RI WKH +3 , QN 6\VWHPV KRZ PXFK LQN LV OHIW WKH VWDWXV RQ WKH SULQWKHDG HWF 1HVWLQJ 7KH FXUUHQW TXHXHLQJ DQG QHVWLQJ VHWWLQJV LQ WKH IURQW SDQHO PHQX 7HOOV \RX LQIRUPDWLRQ RQ WKH 0DUJLQV VL]H RI SDSHU QHVW VSDFLQJ LI PLUURULQJ LV RQ RU RII WKH URWDWLRQ VHWWLQJV VFDOLQJ &XUUHQW 3DOHWWH DQG 0HUJH VHWWLQJV 7KH FRGH UHYLVLRQ '5$0 SUHVHQW LQIRUPDWLRQ RQ WKH +DUG GLVN LI WKHUH LV RQH 3RVW6FULSW FRGH UHY 3RVW6FULSW )RQW UHY ZKDW ODQJXDJH WKH SULQWHU LV VHW WR HJ (QJOLVK 1HWZRUN FDUG LQIR LI LQVWDOOHG , QN 6\VWHPV 4XHXHLQJ 3DJH )RUPDW +3*/ VHWWLQJV 6WDWLVWLFV , 2 VHWXS n n n n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 1RWH WKDW VRPH RI WKH LWHPV GRQ W DSSHDU LQ WKH IURQWSDQHO GLVSOD\ XQOHVV \RX KDYH VHW 0HQX PRGH VHOHFWLRQ WR )XOO LQ WKH 8WLOLWLHV PHQX WKH GHIDXOW LV )XOO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n \RX KDYH H[SHULHQFHG LPDJH SRVLWLRQ SUREOHPV n \RX KDYH H[SHULHQFHG WLPLQJ SUREOHPV &KRRVH WKLV VHWWLQJ LI \RX DUH XVLQJ DQ REVROHWH +3 SHQ SORWWHU GULYHU DQG \RXU SULQWV DUH LQFRPSOHWH 7KLV ZRUNV VXFFHVVIXOO\ ZLWK PRVW &$' DSSOLFDWLRQV :LWK WKLV JUDSKLFV ODQJXDJH DQRWKHU VHWWLQJ LV DYDLODEOH 7HUPLQDWRU 7U\ FKDQJLQJ WKLV VHWWLQJ IURP QRUPDO WKH GHIDXOW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n 3XUH UDVWHU LPDJHV UHQGHUV VROLG PXUDOV n FRPSOH[ OLQH GUDZLQJV n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 'HVLJQMHW & ([WUD 0HPRU\ 3RVW6FULSW 8SJUDGH . LW 'HVLJQMHW & ([WUD 0HPRU\ 3RVW6FULSW 8SJUDGH . LW +DUG 'LVN 'HVLJQMHW &0 /LPLWLQJ PD[LPXP SORW OHQJWK VHH WDEOH EHORZ /LPLWLQJ PD[LPXP SORW OHQJWK VHH WDEOH EHORZ /LPLWLQJ PD[LPXP SORW OHQJWK VHH WDEOH EHORZ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 , QN (PXODWLRQ 8VLQJ LQN HPXODWLRQ LQFUHDVHV WKH WLPH WR SURFHVV D ILOH EHFDXVH DOO RI WKH FRORUV LQ WKH ILOH DUH FRQYHUWHG 7R LPSURYH VSHHG XVH LQN HPXODWLRQ DW WKH VHWWLQJ 1DWLYH VHH SDJH 6HOHFWLQJ WKH , QN (PXODWLRQ 0RGH 3RVW6FULSW 2QO\ )LOH FRGLQJ 0DQ\ DSSOLFDWLRQV DOORZ \RX WR XVH %LQDU\ RU $6&, , HQFRGLQJ WR VHQG WKH LPDJHV 6HOHFW %LQDU\ ZKHQHYHU SRVVLEOH VLQFH %LQDU\ LV D ORW IDVWHU WKDQ $6&, , LQ VHQGLQJ WKH LPDJHV WR WKH SULQWHU 0DFLQWRVK RQO\ %DFNJURXQG SULQWLQJ 0DFLQWRVK RQO\ 8VLQJ EDFNJURXQG SULQWLQJ SHQDOL]HV WKH SHUIRUPDQFH RI WKH SULQWHU WKH OHVV SRZHUIXO \RXU 0DFLQWRVK LV WKH ORQJHU WKH VHQGLQJ WLPH ZLOO EH &RQWUROOLQJ , PDJH 4XDOLW\ 6HOHFWLQJ WKH , QN (PXODWLRQ 0RGH 3RVW6FULSW 2QO\ &DOLEUDWLQJ WKH &RORU 2XWSXW 3RVW6FULSW RQO\ +RZ WR 8VH WKH 3ULQW 4XDOLW\ 3ULQW $OLJQLQJ WKH 3ULQWKHDGV &RQWUROOLQJ , PDJH 4XDOLW\ 6HOHFWLQJ WKH , QN (PXODWLRQ 0RGH 3RVW6FULSW 2QO\ 6HOHFWLQJ WKH , QN (PXODWLRQ 0RGH 3RVW6FULSW 2QO\ <RXU SULQWHU FDQ HPXODWH WKH FRORU EHKDYLRU RI RIIVHW SULQWLQJ SUHVVHV DOORZLQJ \RX WR XVH \RXU SULQWHU IRU FRORU SURRILQJ 7R JHW DFFXUDWH FRORUV IRU \RXU SURRI VHOHFW WKH FRORU HPXODWLRQ PRGH WKDW PDWFKHV \RXU RIIVHW SULQWLQJ VWDQGDUGV 7KH VHOHFWLRQV DUH s 1DWLYH 1R LQN HPXODWLRQ s 6:23 86 6SHFLILFDWLRQ IRU :HE 2IIVHW 3ULQWLQJ s 72<2 -DSDQHVH VWDQGDUG IRU RIIVHW SUHVV s (XUR6FDOH (XURSHDQ VWDQGDUG IRU RIIVHW SUHVV DH6B@RV6GDU` , QN HPXO $OO PHQX PRGHV 'HIDXOW (XURVFDOH , QN /LPLWLQJ DH6B@RV6GDU` , QN /LPLWLQJ $OO PHQX PRGHV 'HIDXOW 2Q , I \RXU DSSOLFDWLRQ JHQHUDWHV &<0. FRORU YDOXHV DQG \RX VHOHFW 1DWLYH LQN HPXODWLRQ 1R FRORU DGMXVWPHQW WKH SULQWHU PD\ DSSO\ DQ H[FHVVLYH DPRXQW RI LQN ZKLFK PD\ FDXVH WKH SDSHU WR ZULQNOH RQ VRPH W\SHV RI SDSHU , Q H[WUHPH FDVHV PRUH WKDQ LQN GHQVLW\ FRDWHG SDSHUV PD\ EHFRPH VDWXUDWHG UHVXOWLQJ LQ WKH SULQWKHDG FRPLQJ LQWR FRQWDFW ZLWK WKH SDSHU FDXVLQJ VHULRXV SULQWKHDG GDPDJH 7R DYRLG WKLV SUREOHP \RX FDQ VHOHFW , QN /LPLWLQJ 7KLV VHWWLQJ ZLOO OLPLW WKH DPRXQW RI LQN WKDW WKH SULQWKHDG ZLOO SULQW &RQWUROOLQJ , PDJH 4XDOLW\ 6HOHFWLQJ WKH , QN (PXODWLRQ 0RGH 3RVW6FULSW 2QO\ &DOLEUDWLQJ WKH &RORU 2XWSXW 3RVW6FULSW RQO\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`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x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x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s +RUL]RQWDO ZKHQ WKH PLVDOLJQPHQW LV LQ WKH KRUL]RQWDO D[LV s 9HUWLFDO ZKHQ WKH PLVDOLJQPHQW LV LQ WKH YHUWLFDO D[LV %HORZ DUH VKRZQ WZR H[DPSOHV RI DOLJQPHQW DQG PLVDOLJQPHQW FRUUHFW , QFRUUHFW & &RQWUROOLQJ , PDJH 4XDOLW\ &RORU $OLJQPHQW 3ULQW 7HVW 6ROYLQJ WKH 3UREOHP 0DNH VXUH \RX KDYH SDSHU ORDGHG QRW FOHDU ILOP YHOOXP RU WUDFLQJ SDSHU *R WR WKH SULQWHU VXEPHQX DQG SUHVV (QWHU 5HDG\ Dx CYAN 0$*(17$ <(//2: %/$&. 8WLOLWLHV &DOLEUDWLRQV Qvurhq6yvtr 3ULQWHU VXEPHQX 3HUIRUP WKH 3ULQWKHDG $OLJQPHQW &DOLEUDWLRQ %\ JRLQJ WR 8WLOLWLHV&DOLEUDWLRQ 3ULQWKHDG $OLJQPHQW 3OHDVH ZDLW DV WKH SURFHVV RI DOLJQLQJ WKH SULQWKHDGV WDNHV D IHZ PLQXWHV 5HSULQW WKH LPDJH \RX ZHUH DWWHPSWLQJ WR SULQW EHIRUH LQ WKH VDPH PRGH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 7KH WHVW SDWWHUQ LV SULQWHG ZLWK IRXU SULPDU\ FRORUV EODFN F\DQ PDJHQWD DQG \HOORZ 7KH WKUHH VHFRQGDU\ FRORUV SULQWHG DUH UHG EOXH DQG JUHHQ DQG WKH\ DUH IRUPHG E\ PL[LQJ WKH SULPDU\ FRORUV DV VKRZQ LQ WKH WDEOH EHORZ 6HFRQGDU\ &RORU 5HG 5 %OXH % *UHHQ * 3ULPDU\ &RORU &RPSRQHQWV 0DJHQWD 0 DQG <HOORZ < 0DJHQWD 0 DQG &\DQ & &\DQ & DQG <HOORZ < &RQWUROOLQJ , PDJH 4XDOLW\ 2YHUDOO 3ULQW 4XDOLW\ 7HVW LQ %(67 PRGH 6ROYLQJ WKH 3UREOHPV 7KHUH PDLQ FDXVHV RI EDQGLQJ s 3ULQWKHDG SUREOHPV VHH EHORZ s 8VH RI 1RQ+3 PHGLD s , QFRUUHFW PHGLD W\SH VHOHFWHG LQ WKH IURQW SDQHO s 0HGLD DGYDQFH SUREOHPV VHH SDJH %DQGLQJ &DXVHG E\ 0HGLD $GYDQFH 3UREOHPV %DQGLQJ &DXVHG E\ 3ULQWKHDG 3UREOHPV , Q WKLV FDVH \RX ZLOO VHH EDQGLQJ LQ RQO\ D IHZ FRORUV , I WKH WHVW SDWWHUQ KDV FOHDU RU GDUN KRUL]RQWDO EDQGV LQ RQH RU PRUH RI WKH SULPDU\ FRORU FROXPQV WKHQ VHYHUDO RI WKH VHFRQGDU\ FRORU FROXPQV ZLOO DOVR KDYH WKH VDPH W\SH RI EDQGV LQ WKH VDPH SRVLWLRQ EXW SHUKDSV ZLWK OHVV LQWHQVLW\ , Q WKH IROORZLQJ H[DPSOH VHYHUDO QR]]OHV LQ WKH PDJHQWD SULQWKHDG DUH QRW SULQWLQJ 7KHUH ZLOO EH FOHDU UHSHWLWLYH EDQGV SHUKDSV ZKLWH LQ WKH PDJHQWD FROXPQ &RQVHTXHQWO\ \RX ZLOO VHH ORZHU LQWHQVLW\ EDQGV LQ WKH VDPH SULQW SRVLWLRQ LQ WKH UHG ZKLFK LV 0DJHQWD <HOORZ DQG EOXH ZKLFK LV 0DJHQWD &\DQ RI WKH VHFRQGDU\ FRORU FROXPQV 3 & 7KH EDQGV FRXOG EH FDXVHG E\ WKH QR]]OHV QRW SULQWLQJ FRUUHFWO\ <RX FDQ FKHFN WKH KHDOWK RI WKH QR]]OHV E\ IROORZLQJ WKH SURFHGXUH RQ SDJH 1R]]OH 3ULQW 7HVW &RQWUROOLQJ , PDJH 4XDOLW\ 2YHUDOO 3ULQW 4XDOLW\ 7HVW LQ %(67 PRGH 7KH OLJKW RU GDUN KRUL]RQWDO OLQHV FRXOG DOVR EH FDXVHG E\ SHUPDQHQWO\ GDPDJHG SULQWKHDGV 7KH SRVVLEOH FRPELQDWLRQV ZLWK WKLV SUREOHP DUH s %DQGLQJ LQ F\DQ EOXH DQG JUHHQ FROXPQV RQO\ EXW PRUH HYLGHQW LQ F\DQ 7KLV PHDQV WKDW WKH F\DQ SULQWKHDG FRXOG EH SHUPDQHQWO\ GDPDJHG s %DQGLQJ LQ PDJHQWD UHG DQG EOXH FROXPQV RQO\ EXW PRUH HYLGHQW LQ PDJHQWD 7KLV PHDQV WKDW WKH PDJHQWD SULQWKHDG FRXOG EH SHUPDQHQWO\ GDPDJHG s %DQGLQJ LQ \HOORZ UHG DQG JUHHQ FROXPQV RQO\ EXW PRUH HYLGHQW LQ \HOORZ 7KLV PHDQV WKDW WKH \HOORZ SULQWKHDG FRXOG EH SHUPDQHQWO\ GDPDJHG s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n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x &<$1 0$*(17$ <(//2: Dx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n )DXOW 7ROHUDQW 3ULQW 0RGHV n , PDJH 4XDOLW\ &RQVLVWHQF\ n &RQWLQXRXV 3ULQWLQJ n &RORU (PXODWLRQ n 2XW RI , QN 'HWHFWLRQ n 3ULQWKHDG HQG RI OLIH HDUO\ GHWHFWLRQ 7URXEOHVKRRWLQJ VKRXOG EH DQ LQWXLWLYH SURFHVV ZLWK WKH SULQWHU HLWKHU FRUUHFWLQJ LWV RZQ IDXOWV RU FRQYH\LQJ D IDXOW PHVVDJH YLD WKH IURQWSDQHO GLVSOD\ SURPSWLQJ \RX WR WDNH FRUUHFWLYH DFWLRQ <RX VKRXOG WKHUHIRUH RQO\ QHHG WR UHIHU WR WKHVH SURFHGXUHV LI WKH SULQWHU GRHV QRW FRUUHFW WKH SUREOHP RU LQVWUXFW \RX YLD WKH IURQW SDQHO GLVSOD\ 7URXEOHVKRRWLQJ :KHUH WR )LQG +HOS LQ 6ROYLQJ 3UREOHPV :KHUH WR )LQG +HOS LQ 6ROYLQJ 3UREOHPV n 7R ILQG WKH PHDQLQJ RI IURQWSDQHO PHVVDJHV VHH FKDSWHU )URQW3DQHO 0HVVDJHV n , I \RX NQRZ WKH SUREOHP LV UHODWHG WR D FHUWDLQ WDVN ILUVW FKHFN WKH UHOHYDQW VHFWLRQ LQ WKLV PDQXDO IRU VWHSE\VWHS SURFHGXUHV 8VH WKLV PDQXDO V LQGH[ RU WDEOH RI FRQWHQWV WR ILQG WKH VHFWLRQ )RU H[DPSOH LI \RX DUH KDYLQJ GLIILFXOW\ ZLWK SDJH IRUPDWWLQJ UHIHU WR FKDSWHU &RQWUROOLQJ WKH 3DJH )RUPDW n , I WKH SUREOHP LV UHODWHG WR WKH TXDOLW\ RI \RXU SULQWHG LPDJHV UHIHU ILUVW WR WKH VHFWLRQ 6ROYLQJ , PDJH4XDOLW\ 3UREOHPV n 5HIHU WR WKH DSSURSULDWH WRSLF LQ WKLV FKDSWHU 6ROYLQJ 0HGLD+DQGOLQJ 3UREOHPV 6ROYLQJ +3 1R 6XSSOLHV 3UREOHPV &OHDULQJ D 0HGLD -DP 6ROYLQJ &RPPXQLFDWLRQ 3UREOHPV 6ROYLQJ 3UREOHPV ZLWK , PDJH 3RVLWLRQ RU &RQWHQW 6ROYLQJ &RORU $FFXUDF\ SUREOHPV 6ROYLQJ )URQW3DQHO 3UREOHPV 6ROYLQJ 0LVFHOODQHRXV 3UREOHPV n , I WKH SUREOHP FRXOG EH UHODWHG WR \RXU VRIWZDUH GULYHU DQG \RX DUH XVLQJ DQ +3 GULYHU UHIHU WR WKH GULYHUV WURXEOHVKRRWLQJ GRFXPHQWDWLRQ DQG WKH RQOLQH KHOS LQ \RXU DSSOLFDWLRQ VRIWZDUH n , I WKH SUREOHP KDV QR REYLRXV FDXVH UHIHU WR )LQGLQJ WKH 6RXUFH RI <RXU 3UREOHP RQ WKH QH[W SDJH n , I \RX VWLOO FDQQRW VROYH WKH SUREOHP VHH SDJH *HWWLQJ +HOS 7URXEOHVKRRWLQJ )LQGLQJ WKH 6RXUFH RI <RXU 3UREOHP )LQGLQJ WKH 6RXUFH RI <RXU 3UREOHP /RRN DW WKH IURQWSDQHO GLVSOD\ IRU PHVVDJHV 6HH FKDSWHU )URQW3DQHO 0HVVDJHV IRU DQ H[SODQDWLRQ RI IURQWSDQHO PHVVDJHV 7HVW WKH SULQWHU n 6ZLWFK WKH SULQWHU RII DW WKH IURQW SDQHO DQG DW WKH SRZHU VZLWFK DW WKH EDFN RI WKH SULQWHU 0DNH VXUH WKDW WKH SRZHU FRUG LV ILUPO\ LQVHUWHG LQ WKH SULQWHU DQG SOXJJHG LQ WR DQ RXWOHW WKDW \RX NQRZ ZRUNV n 6ZLWFK WKH SULQWHU RQ 3ULQW DQ LQWHUQDO SULQW , I WKH SULQWHU SULQWV WKH LQWHUQDO SULQW FRUUHFWO\ WKH SUREOHP LV SUREDEO\ QRW ZLWK WKH SULQWHU 6HH SDJH 3ULQWLQJ WKH &XUUHQW &RQILJXUDWLRQ 7HVW \RXU FRPSXWHU KDUGZDUH DQG LQWHUIDFH n 0DNH VXUH WKDW \RX KDYH WKH FRUUHFW LQWHUIDFH FDEOH EHWZHHQ WKH FRPSXWHU DQG WKH SULQWHU DQG WKDW LW LV ILUPO\ FRQQHFWHG WR WKH FRUUHFW SRUWV VHH WKH 6HWXS *XLGH n &KHFN WKDW \RXU SULQWHU V JUDSKLFV ODQJXDJH VHWWLQJ LQ 'HYLFH VHWXS /DQJ PDWFKHV WKH UHTXLUHPHQWV RI \RXU VRIWZDUH , I \RX KDYH FKDQJHG \RXU LQWHUIDFH VZLWFK WKH SULQWHU RII DQG WKHQ RQ DJDLQ EHIRUH WU\LQJ WR SULQW 7URXEOHVKRRWLQJ 6ROYLQJ , PDJH4XDOLW\ 3UREOHPV 6ROYLQJ , PDJH4XDOLW\ 3UREOHPV 3UREOHPV ZLWK 3ULQWHU &RQILJXUDWLRQ 7KLV LV WKH ILUVW SODFH \RX VKRXOG ILQG KHOS ZKHQ \RX ILQG WKDW WKH SULQW TXDOLW\ LV QRW DW DQ DFFHSWDEOH OHYHO 3UREOHPV ZLWK /LQH 3ULQWLQJ *R WR WKLV SURFHGXUH ZKHQ \RX ILQG \RXU LPDJH KDV WKH IROORZLQJ GHIHFWV n 6WHSSHG OLQHV n /LQHV DQG 7H[W EURNHQ DQGRU PLVVLQJ n /LQHV PLVVLQJ n /LQHV IDLQW RU WKLQQHU WKDQ H[SHFWHG 3UREOHPV ZLWK &RORUWR&RORU $OLJQPHQW *R WR WKLV SURFHGXUH ZKHQ \RX ILQG \RXU LPDJH KDV WKH IROORZLQJ GHIHFWV n 6RPH FRORU OLQHV DSSHDU DV GRXEOH OLQHV n %RUGHUV RI FRORUHG DUHDV KDYH RWKHU FRORUV LQ WKHP ZKHUH WKH ERUGHUV PHHW 3UREOHPV ZLWK /LJKW RU 'DUN +RUL]RQWDO /LQHV %DQGLQJ *R WR WKLV SURFHGXUH LI \RXU LPDJH FRQWDLQV OLJKW DQG GDUN OLQHV JRLQJ IURP OHIW WR ULJKW DFURVV \RXU LPDJH ZKLFK DUH PRVW SURPLQHQW LQ DUHDV RI KLJK LQN GHQVLW\ 3UREOHPV ZLWK WKH &RORU *R WR WKLV SURFHGXUH ZKHQ \RX ILQG \RXU LPDJH KDV WKH IROORZLQJ GHIHFWV n &RORU LV QRW DV H[SHFWHG n 7KH FRQVLVWHQF\ RI WKH FRORUV LV EDG 3UREOHPV ZLWK 0HGLD *R WR WKLV SURFHGXUH ZKHQ \RX ILQG \RXU LPDJH KDV WKH IROORZLQJ GHIHFWV n 6OLJKWO\ ZDUSHG OLQHV n %OXUUHG OLQHV n 6PHDUV6FUDWFKHV n 0DUNV RQ JORVV\ PHGLD 3UREOHPV ZLWK WKH 3RVLWLRQ DQG &RQWHQW RI \RXU , PDJH *R WR WKLV SURFHGXUH LI WKH SRVLWLRQ RI WKH LPDJH RQ WKH SDJH LV QRW ZKDW \RX H[SHFWHG n 7KH RXWSXW FRQWDLQV RQO\ D SDUWLDO SULQW n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n 0LVVLQJ RU IDLQW OLQHV n 3ULQWHG WH[W KDYLQJ PLVVLQJ SDUWV WR WKHP 6KRZQ EHORZ DUH H[DPSOHV RI ZKDW \RX PLJKW VHH LI \RX KDYH SUREOHPV ZLWK SULQWLQJ OLQHV 0LVVLQJ SDUWV RI WH[W WKLV VKRXOG VD\ 7(67 & 6WUDLJKW OLQHV KDYH PLVVLQJ VHFWLRQV & +RZ WR VROYH WKH SUREOHPV *R WR WKH SULQWHU VXEPHQX DQG SUHVV (QWHU 5HDG\ Dx CYAN 0$*(17$ <(//2: %/$&. 3ULQWHU VXEPHQX *R WR 8WLOLWLHV5HFRYHU 3ULQWKHDGV 8WLOLWLHV 5HFRYHU 3ULQWKHDGV $OO F\DQPDJHQWD 5HSULQW WKH LPDJH \RX ZHUH DWWHPSWLQJ WR SULQW EHIRUH LQ WKH VDPH PRGH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n 7KH FRORUHG OLQHV DUH SULQWLQJ GRXEOH DQG WKH\ DUH WKH ZURQJ FRORUV C6074286 n 7KH ERUGHUV RI FRORUHG EORFNV DUH RYHUODSSHG DQG WKH RYHUODSSLQJ DUHDV KDYH GLIIHUHQW FRORUV LQ WKHP C6074287 n 9HUWLFDO OLQHV DUH PLVDOLJQHG RU IX]]\ QRW VPRRWK C6074304 7URXEOHVKRRWLQJ 3UREOHPV ZLWK &RORUWR&RORU $OLJQPHQW +RZ WR VROYH WKH SUREOHPV 0DNH VXUH \RX KDYH SDSHU ORDGHG QRW FOHDU ILOP WUDFLQJ SDSHU RU YHOOXP *R WR WKH 3ULQWHU VXEPHQX DQG SUHVV (QWHU 5HDG\ Dx CYAN 0$*(17$ <(//2: %/$&. 8WLOLWLHV &DOLEUDWLRQV Qvurhq6yvtr 3ULQWHU VXEPHQX 3HUIRUP WKH 3ULQWKHDG $OLJQPHQW &DOLEUDWLRQ %\ JRLQJ WR 8WLOLWLHV&DOLEUDWLRQ 3ULQWKHDG $OLJQPHQW 3OHDVH ZDLW DV WKH SURFHVV RI DOLJQLQJ WKH SULQWKHDGV WDNHV D IHZ PLQXWHV 5HSULQW WKH LPDJH \RX ZHUH DWWHPSWLQJ WR SULQW EHIRUH LQ WKH VDPH PRGH WR VHH LI WKH SUREOHP VWLOO H[LVWV , I WKHUH LV QR LPSURYHPHQW LQ WKH TXDOLW\ RI WKH LPDJH VHH SDJH *HWWLQJ +HOS 7URXEOHVKRRWLQJ 3UREOHPV ZLWK +RUL]RQWDO /LQHV %DQGLQJ 3UREOHPV ZLWK +RUL]RQWDO /LQHV %DQGLQJ 'HVFULSWLRQ RI SUREOHP :KHQ \RX ORRN DW WKH LPDJH \RX KDYH SULQWHG WKHUH DUH OLJKW RU GDUN OLQHV RQ WKH LPDJH WKHVH DUH SDUWLFXODUO\ KLJKOLJKWHG LQ KLJK GHQVLW\ LQN DUHDV 7KLV SUREOHP LV NQRZQ DV EDQGLQJ , 03257$17 %DQGLQJ FDQ RFFXU WR D FHUWDLQ GHJUHH LQ GUDIW DQG QRUPDO PRGH ZKHQ SULQWLQJ KLJK GHQVLW\ SULQWV 7R REWDLQ WKH EHVW LPDJH DOZD\V SULQW LQ %HVW 0RGH 6KRZQ EHORZ LV DQ H[DPSOH RI ZKDW \RX PLJKW VHH LI \RX KDYH SUREOHPV ZLWK EDQGLQJ 80 Pojfd jop ernk aure Expanding Possibilitie s 80 Ironk ernk aure Pojfdjop me ernk Chor Pojfdjop Expand ing Po ssibilit ies 80 kheuhg kheuhg sfrfefg sfrfefg Ink ca Caps rtridge Ink ero 80 v +RZ WR VROYH WKH SUREOHP 127( :KLOH SHUIRUPLQJ WKH QH[W SURFHGXUH GXSOLFDWH WKH FRQGLWLRQ WKH SULQWHU ZDV LQ ZKHQ \RX GLVFRYHUHG WKH SUREOHP XVH WKH VDPH PHGLD DQG WKH VDPH SULQW PRGH (QVXUH WKDW WKH SDSHU \RX KDYH VHOHFWHG LQ WKH IURQW SDQHO LV WKH VDPH SDSHU WKDW \RX KDYH ORDGHG 3HUIRUP WKH 3ULQWKHDG $OLJQPHQW &DOLEUDWLRQ $OLJQLQJ WKH 3ULQWKHDGV 5HSULQW \RXU LPDJH , I \RX KDYH SULQWHG \RXU LPDJH LQ 1RUPDO RU 'UDIW PRGH DQG LW LV QRW DFFHSWDEOH WR \RX UHSULQW LW LQ %HVW PRGH &KHFN WKH IURQW SDQHO DQG GULYHU VHOHFWLRQ WR PDNH VXUH WKDW %HVW PRGH LV VHOHFWHG 80 & 7URXEOHVKRRWLQJ 3UREOHPV ZLWK +RUL]RQWDO /LQHV %DQGLQJ *R WR WKH SULQWHU VXEPHQX DQG SUHVV (QWHU 5HDG\ Dx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x CYAN 0$*(17$ <(//2: %/$&. 3ULQWHU VXEPHQX 7URXEOHVKRRWLQJ 3UREOHPV ZLWK +RUL]RQWDO /LQHV %DQGLQJ 87, /, 7, (6 5HFRYHU 3ULQWKHDGV E *R WR WKH 8WLOLWLHV5HFRYHU 3ULQWKHDGV DQG SUHVV (QWHU F 6HOHFW WKH SULQWKHDG FRORU WKDW GLVSOD\HG WKH GHIHFWV LQ WKH 3ULQW 4XDOLW\ 7HVW 3ULQW , I \RX DUH QRW VXUH ZKLFK SULQWKHDG FRORU LV JLYLQJ \RX WKH SUREOHP VHOHFW DOO RI WKH SULQWKHDGV G 3HUIRUP WKH SULQWKHDG DOLJQPHQW SURFHGXUH $OLJQLQJ WKH 3ULQWKHDGV H 5HSULQW WKH LPDJH \RX ZHUH DWWHPSWLQJ WR SULQW EHIRUH LQ WKH VDPH PRGH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 127( , I ODWHU \RX UHORDG +3 FHUWLILHG SDSHU LQWR \RXU SULQWHU \RX FDQ UHVWRUH WKH RSWLPDO VHWWLQJ WR ZKDW LW ZDV *R WR 8WLOLWLHV&DOLEUDWLRQ$FFXUDF\5HVWRUH )DFWRU\ E, I \RX DUH XVLQJ +3 FHUWLILHG SDSHU DQG \RX KDYH SHUIRUPHG DOO RI WKH VWHSV RQ SDJH 3UREOHPV ZLWK WKH 3ULQWHU &RQILJXUDWLRQ FRQWDFW WKH +3 VXSSRUW FHQWHU VHH SDJH *HWWLQJ +HOS :KHQ \RX ORRN DW WKH LPDJH \RX KDYH SULQWHG WKHUH LV EDQGLQJ RQ WKH LPDJH EXW RQO\ LQ D IHZ FRORUV VLPLODU WR WKH H[DPSOH VKRZQ EHORZ Vvyvvr 3 SrprQvurhq & D7KH SRVVLEOH FRPELQDWLRQV ZLWK WKLV SUREOHP DUH n %DQGLQJ LQ F\DQ EOXH DQG JUHHQ FROXPQV RQO\ EXW PRUH HYLGHQW LQ F\DQ 7KLV PHDQV WKDW WKH F\DQ SULQWKHDG FRXOG EH SHUPDQHQWO\ GDPDJHG n %DQGLQJ LQ PDJHQWD UHG DQG EOXH FROXPQV RQO\ EXW PRUH HYLGHQW LQ PDJHQWD 7KLV PHDQV WKDW WKH PDJHQWD SULQWKHDG FRXOG EH SHUPDQHQWO\ GDPDJHG n %DQGLQJ LQ \HOORZ UHG DQG JUHHQ FROXPQV RQO\ EXW PRUH HYLGHQW LQ \HOORZ 7KLV PHDQV WKDW WKH \HOORZ SULQWKHDG FRXOG EH SHUPDQHQWO\ GDPDJHG n %DQGLQJ LQ EODFN FROXPQ RQO\ 7KLV PHDQV WKDW WKH EODFN SULQWKHDG FRXOG EH SHUPDQHQWO\ GDPDJHG E, I \RX ZDQW RSWLPDO LPDJH TXDOLW\ IURP \RXU SULQWHU UHSODFH WKH GDPDJHG SULQWKHDG ZLWK D QHZ RQH 127( +RZHYHU \RXU SULQWHU FDQ VWLOO SURGXFH JRRG TXDOLW\ OLQH SULQWV 7URXEOHVKRRWLQJ 3UREOHPV ZLWK +RUL]RQWDO /LQHV %DQGLQJ 1R 3ULQWLQJ 'HIHFWV )RXQG LQ WKH 3ULQW 4XDOLW\ 3ULQW , I DOO WKH WHVW SDWWHUQV IURP WKH SULQW TXDOLW\ SULQW DUH FRUUHFW DQG \RX VWLOO H[SHULHQFH SULQW TXDOLW\ SUREOHPV KHUH DUH VRPH RI WKH PRUH OLNHO\ FDXVHV WR FKHFN n 7KH SULQW PRGH XVHG LQ \RXU SULQWHU LV QRW ULJKW IRU WKH LPDJH \RX DUH SULQWLQJ WKLV LV GHILQHG E\ WKH SULQWHUV IURQWSDQHO PHQX VHOHFWLRQV n 1RQ+3 GULYHU n 7KH 5, 3 , I \RX DUH XVLQJ RQH n 7KH VRIWZDUH DSSOLFDWLRQV \RX DUH XVLQJ 8VH WKH IROORZLQJ WDEOH WR FRQILJXUH \RXU V\VWHP FRUUHFWO\ :KDW WR &RQILJXUH 3ULQWHU )URQW3DQHO 0HQX &RQILJXUDWLRQ 6HWWLQJ 0HGLD 2SWLPDO 6HWWLQJ 8QORDG WKH FXUUHQW PHGLD DQG ORDG LW DJDLQ DIWHU FKDQJLQJ WKH PHGLD W\SH LQ WKH IURQW SDQHO 6HW WR $XWRPDWLF 6HW WR %HVW 'U\ WLPH +3 GULYHU :LQGRZV $XWR&$' RU 0DF 1RQ+3 GULYHUV 6RIWZDUH 5, 3V 3ULQW PRGH VHWWLQJ 7KH VHWWLQJV DYDLODEOH GHSHQG RQ WKH GULYHU 7KH PRVW W\SLFDO VHWWLQJV DUH , Q \RXU VRIWZDUH DSSOLFDWLRQ n , PDJH 4XDOLW\ 6HWWLQJV n +DOI 7RQH n 0HGLD VHOHFWLRQ 6HH WKH XVHUV JXLGH IRU \RXU DSSOLFDWLRQ IRU PRUH LQIRUPDWLRQ DERXW LWV SULQW TXDOLW\ VHWWLQJV n 6HW , PDJH 4XDOLW\ WR %HVW n 8VH QR +DOI 7RQH RU SULQWHU GHIDXOW n 0DNH VXUH WKDW WKH PHGLD VHWWLQJ PDWFKHV WKH PHGLD ORDGHG LQ \RXU SULQWHU 7URXEOHVKRRWLQJ 6ROYLQJ &RORU $FFXUDF\ SUREOHPV 6ROYLQJ &RORU $FFXUDF\ SUREOHPV 7KHVH DUH WZR DUHDV \RX VKRXOG UHYLHZ ZKHQ WURXEOHVKRRWLQJ D FRORU DFFXUDF\ SUREOHP &RQILJXUDWLRQ 3RVW6FULSW RSWLRQ RQO\ &KHFN WKDW \RX DUH XVLQJ WKH FRUUHFW GULYHU VHWWLQJ DQG &5' LQIRUPDWLRQ IRU \RXU VRIWZDUH &KHFN ZKLFK LQN HPXODWLRQ PRGH KDV EHHQ VHOHFWHG LQ WKH IURQW SDQHO VHH SDJH 6HOHFWLQJ WKH , QN (PXODWLRQ 0RGH 3RVW6FULSW 2QO\ 0HGLD (QVXUH WKH PHGLD ORDGHG LV JHQXLQH +3 PHGLD DQG WKH FRUUHFW PHGLD W\SH VHOHFWHG RQ WKH IURQW SDQHO DQG LQ WKH GULYHU &RORU &RQVLVWHQF\ SUREOHPV n , I FRORU FRQVLVWHQF\ LV LPSRUWDQW IRU \RX LW LV UHFRPPHQGHG WKDW \RX GR QRW XVH +3*/ WR SULQW ZLWK n 6RPH PHGLD PD\ GLVFRORU RU FKDQJH ZLWK DJH &KHFN WKDW \RXU PHGLD LV IUHVK DQG KDV EHHQ VWRUHG FRUUHFWO\ n , I WKH HQYLURQPHQWDO FRQGLWLRQV \RX DUH SULQWLQJ LQ FKDQJH UDSLGO\ \RX PD\ VHH FKDQJHV LQ WKH FRORU FRQVLVWHQF\ %\ UHGXFLQJ WKH WLPH WKH SULQW VWD\V LQ H[WUHPH HQYLURQPHQWDO FRQGLWLRQV DIWHU EHLQJ SULQWHG HVSHFLDOO\ YHU\ KLJK KXPLGLW\ \RX FDQ UHGXFH WKH FRORU FRQVLVWHQF\ SUREOHPV n , I \RX QRWLFH WKDW WKHUH DUH FRORU FKDQJHV EHWZHHQ GLIIHUHQW SULQWHUV LH EHWZHHQ WKH & DQG WKLV SULQWHU , W LV QRUPDO 7KHUH ZLOO EH FRORU GLIIHUHQFHV EHWZHHQ +3 'HVLJQ-HW SULQWHUV EHFDXVH WKH RWKHU SULQWHUV XVH D GLIIHUHQW LQN /RQJ 7HUP &RORU %OHHGLQJ *ORVV\ 3DSHUV , I \RX VHH WKH FRORUV DUH EOHHGLQJ LQWR WKH SDSHU LH WKH FRORU LV VRDNLQJ LQWR WKH SDSHU PDNLQJ WKH OLQHV IX]]\ DQG EOHDU\ 7KLV ZLOO EH EHFDXVH RI WKH KXPLGLW\ FRQGLWLRQV WKDW \RX DUH ZRUNLQJ XQGHU n &KDQJH WKH SDSHU WKDW \RX DUH SULQWLQJ ZLWK RU n 5HPRYH WKH SULQWHU IURP WKH KLJK KXPLGLW\ FRQGLWLRQV 7URXEOHVKRRWLQJ 6ROYLQJ &RORU $FFXUDF\ SUREOHPV &RORU $FFXUDF\ &RQILJXUDWLRQ 7KH FRQILJXUDWLRQV RI WKH SULQWHU WKH GULYHU DQG WKH VRIWZDUH 5, 3V GHILQH KRZ LQN LV DSSOLHG WR HDFK W\SH RI PHGLD 8VH WKH LQIRUPDWLRQ LQ WKH IROORZLQJ WDEOH WR FRQILJXUH \RXU SULQWHU DQG VRIWZDUH IRU EHVW FRORU DFFXUDF\ /RFDWLRQ RI 6HWWLQJ 3ULQWHU )URQW3DQHO 0HQX 6HWWLQJ 'HVFULSWLRQ 0HGLD 6HOHFWLRQ n 6HW WR PDWFK WKH PHGLD W\SH ORDGHG LQ WKH SULQWHU 6HH SDJH 3DSHU 7\SHV n 6HW WKH W\SH RI &0<. LQNV WKDW \RXU VRIWZDUH JHQHUDWHV , I \RX XVH +3 GULYHUV XVH 1DWLYH n 6HW WR 21 n 6HW WR PDWFK WKH PHGLD W\SH ORDGHG LQ WKH SULQWHU 6HH SDJH 3DSHU 7\SHV , QN (PXODWLRQ 36 RQO\ , QN /LPLWLQJ 36 RQO\ +3 'ULYHUV 0HGLD &RORU &DOLEUDWLRQ 36 RQO\ n 6HW WR 21 1RQ+3 GULYHUV 6RIWZDUH 5, 36 0HGLD RU HTXLYDOHQW VHWWLQJ n 6HW WR PDWFK WKH PHGLD W\SH ORDGHG LQ WKH SULQWHU 6HH WKH GRFXPHQWDWLRQ WKDW FDPH ZLWK \RXU VRIWZDUH IRU LQIRUPDWLRQ &RORU FRUUHFWLRQ RSWLRQ RU HTXLYDOHQW n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n 7KH 6RIWZDUH $SSOLFDWLRQ 1RWHV IRU \RXU DSSOLFDWLRQ LQ WKH SDFNDJH VKLSSHG ZLWK \RXU SULQWHU n 2QOLQH GRFXPHQWDWLRQ LQ WKH GULYHUV VKLSSHG ZLWK \RXU SULQWHU , I \RX FDQQRW ILQG DQ\ UHDVRQ IRU WKH GLVFUHSDQF\ EHIRUH JHWWLQJ KHOS ILQG RXW IRU ZKLFK &0<. SULQWHU LQNV WKH FRORUV KDYH EHHQ VSHFLILHG $GGLWLRQDOO\ UHPHPEHU WKDW IRU \RXU SULQWHU PD\ EH FRQILJXUHG WR XVH RQH RI LWV LQWHUQDO SHQ SDOHWWHV LQVWHDG RI \RXU VRIWZDUH V SDOHWWH ZKLFK LV WKH GHIDXOW 6HH WKH VHFWLRQ VWDUWLQJ RQ SDJH &KDQJLQJ 3HQ :LGWKV DQG &RORUV 8VLQJ WKH , QWHUQDO 3DOHWWHV 5($'< &<$1 5HDG\ 0$*(17$ <(//2: %/$&. 67$786 2. 2. 1RQ3RVW6FULSW , I 7KHUH DUH 6OLJKWO\ :DUSHG /LQHV n 7KH PHGLD LWVHOI PD\ EH ZDUSHG 7KLV FDQ KDSSHQ LI LW KDV EHHQ XVHG RU VWRUHG LQ DQ H[WUHPH HQYLURQPHQW )RU DOO HQYLURQPHQWDO VSHFLILFDWLRQV VHH SDJH , I 7KHUH DUH %OXUUHG /LQHV , QN %OHHGV IURP /LQHV n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n 8VH +3 UHFRPPHQGHG PHGLD , I WKH LPDJH \RX DUH SULQWLQJ KDV LQWHQVH FRORU XVH +3 +HDY\ &RDWHG 3DSHU n 8VH H[WHQGHG PDUJLQV VHH SDJH $GMXVWLQJ 0DUJLQV RU WU\ WR LQFUHDVH WKH SULQW PDUJLQV E\ UHORFDWLQJ WKH LPDJH LQ WKH SDJH IURP \RXU VRIWZDUH DSSOLFDWLRQV n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n 7KH UROO PD\ EH ORDGHG WKH ZURQJ ZD\ 7KH SDSHU VKRXOG ORDG RYHU WKH UROO WRZDUG \RX n 7KH SDSHU PD\ EH ORDGHG DW DQ DQJOH 7KH ULJKWKDQG HGJH PXVW EH SDUDOOHO WR WKH OLQH RQ WKH SDSHU HQWU\ UROOHU n (QVXUH WKDW WKH SDSHU LV ZUDSSHG WLJKWO\ RQ WKH UROO n 3HUIRUP WKH PDQXDO DOLJQPHQW SURFHGXUH RQ SDJH /RDGLQJ 5ROO 3DSHU 8VLQJ 0DQXDO $OLJQPHQW n &KHFN WKDW WKH SDSHU LV FRUUGFWO\ ORDGHG RQWR WKH VSDLQGOH n , W PXVW EH ORDGHG ZLWK WKH ULJKWKDQG HGJH DJDLQVW WKH EOXH SHUIRUDWHG OLQH RQ WKH SULQWHU n 7KH PHGLD PD\ EH FUXPSOHG RU ZDUSHG RU PD\ KDYH LUUHJXODU HGJHV n , I \RX DUH XVLQJ KDQGFXW PHGLD WKH HGJHV PD\ QRW IRUP D ULJKWDQJOH RU WKH\ PD\ EH URXJK 'R QRW XVH KDQGFXW PHGLD 8VH RQO\ SXUFKDVHG VKHHW PHGLD n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n &KHFN WKDW \RX KDYH UHPRYHG WKH SURWHFWLYH WDSH IURP WKH SULQWKHDG n , QVHUW WKH SULQWKHDG LQWR WKH FDUULDJH DVVHPEO\ EXW WKLV WLPH FORVH WKH FRYHU XVLQJ WKH ODWFK n &OHDQ WKH HOHFWULFDO FRQWDFWV RQ ERWK WKH SULQWKHDGV DQG WKH SULQWKHDG FDUULDJH DVVHPEO\ XVLQJ WKH FDUULDJH LQWHUFRQQHFW ZLSHU SURFHGXUH UHIHU WR &DUULDJH , QWHUFRQQHFW :LSHU n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 7KLV WRRO LV SURYLGHG LQ D VHSDUDWH SDFNDJH , W DOVR FRQWDLQV UHSODFHPHQW VSRQJHV DQG DQ LQVWUXFWLRQ VKHHW 7KLV WRRO VKRXOG EH XVHG IRU FOHDQLQJ WKH HOHFWULFDO LQWHUFRQQHFWV RI ERWK WKH SULQWKHDG FDUULDJH DQG WKH SULQWKHDG , I WKH IURQW SDQHO GLVSOD\V WKH PHVVDJH 5HVHDW RU SRVVLEO\ )DLOHG QH[W WR WKH RIIHQGLQJ SULQWKHDG WU\ SHUIRUPLQJ WKH IROORZLQJ SURFHGXUH & 127( 'R QRW WRXFK ZLSH RU DWWHPSW WR FOHDQ WKH SULQWKHDG QR]]OHV 7KLV FDQ GDPDJH WKH SULQWKHDG DQG UHGXFH SULQW TXDOLW\ 7R &OHDQ WKH &DUULDJH (OHFWULFDO , QWHUFRQQHFW UHPRYH D QHZ SUHPRLVWHQHG UHSODFHPHQW VSRQJH IURP LWV SRXFK $ VXSSO\ RI VSRQJHV LV LQFOXGHG LQ WKH ER[ ZLWK WKH WRRO , I DOO VSRQJHV KDYH EHHQ XVHG PRUH FDQ EH REWDLQHG E\ FRQWDFWLQJ \RXU +3 FXVWRPHU VHUYLFH UHSUHVHQWDWLYH & 7URXEOHVKRRWLQJ 6ROYLQJ +3 1R 6XSSOLHV 3UREOHPV 2SHQ WKH FDUULDJH LQWHUFRQQHFW ZLSHU & /RDG WKH VSRQJH LQWR WKH FDUULDJH LQWHUFRQQHFW ZLSHU E\ SRVLWLRQLQJ WKH VSRQJH RQ WKH IDFH RI WKH FDUULDJH LQWHUFRQQHFW ZLSHU ZLWK WKH VKRUWHU WDE LQ WKH ORFDWLQJ VORW & 7URXEOHVKRRWLQJ 6ROYLQJ +3 1R 6XSSOLHV 3UREOHPV &ORVH WKH FDUULDJH LQWHUFRQQHFW ZLSHU WUDSSLQJ WKH VSRQJH LQ SODFH & 2SHQ WKH SULQWKHDG FDUULDJH ODWFK DQG H[WUDFW WKH SULQWKHDG WKDW KDV WKH SUREOHP DV LQGLFDWHG RQ WKH IURQW SDQHO 8VH WKH SURFHGXUHV RQ SDJH 3ULQWKHDG 5HPRYDO 7URXEOHVKRRWLQJ 6ROYLQJ +3 1R 6XSSOLHV 3UREOHPV , QVHUW WKH FDUULDJH LQWHUFRQQHFW ZLSHU LQWR WKH SULQWKHDG VORW DW WKH EDFN :LSH WKH HOHFWULFDO FRQWDFWV E\ LQVHUWLQJ WKH WRRO EHWZHHQ WKH HOHFWULFDO FRQQHFWLRQV DW WKH EDFN RI WKH VORW DQG WKH VWHHO VSULQJ ZLWK WKH VSRQJH IDFLQJ DZD\ IURP \RX WRZDUGV WKH HOHFWULFDO FRQWDFWV & 5XE WKH VSRQJH DJDLQVW WKH FRQWDFWV ZLWK D OLJKW IRUFH DORQJ WKH HQWLUH GHSWK RI WKH IOH[ FRQQHFWRU DV DOORZHG E\ WKH PHFKDQLFDO VWRS RQ WKH WRRO & 7URXEOHVKRRWLQJ 6ROYLQJ +3 1R 6XSSOLHV 3UREOHPV 7DNH VSHFLDO FDUH WR WKRURXJKO\ FOHDQ DOO FRQWDFWV LQFOXGLQJ WKH RQHV DW WKH ORZHVW SRLQW RI WKH FRQQHFWRU & 8VLQJ WKH VDPH VSRQJH FOHDQ WKH HOHFWULFDO FRQWDFWV RQ WKH SULQWKHDG &OHDQ WKH HOHFWULFDO FRQWDFWV 'R QRW FOHDQ KHUH & & &$87, 21 'R QRW WRXFK WKH VXUIDFH RI WKH SULQWKHDG FRQWDLQLQJ WKH QR]]OHV DV LW PD\ GDPDJH WKHP $IWHU ZDLWLQJ D IHZ PRPHQWV WR DOORZ ERWK FRQQHFWRUV WR GU\ UHSODFH WKH SULQWKHDG LQWR WKH SULQWKHDG FDUULDJH DV LQVWUXFWHG E\ WKH 3ULQWKHDG , QVWDOODWLRQ SURFHGXUH 7URXEOHVKRRWLQJ 6ROYLQJ +3 1R 6XSSOLHV 3UREOHPV 127( , I WKH SUREOHP VWLOO SHUVLVWV UHSODFH WKH SULQWKHDG RU FDOO \RXU +3 UHSUHVHQWDWLYH 2Q FRPSOHWLRQ RI WKH FOHDQLQJ SURFHVV RSHQ WKH FDUULDJH LQWHUFRQQHFW ZLSHU E\ SXOOLQJ RQ WKH VSRQJH WDE & 5HPRYH WKH VRLOHG VSRQJH IURP WKH FDUULDJH LQWHUFRQQHFW ZLSHU & 7URXEOHVKRRWLQJ 6ROYLQJ +3 1R 6XSSOLHV 3UREOHPV 'LVSRVH RI WKH VRLOHG VSRQJH LQ D VDIH SODFH WR SUHYHQW WKH WUDQVIHU RI LQN RQWR KDQGV DQG FORWKLQJ & 7URXEOHVKRRWLQJ &OHDULQJ D 0HGLD -DP &OHDULQJ D 0HGLD -DP , I WKH IURQW SDQHO GLVSOD\V DQ\ RI WKH IROORZLQJ 6ZLWFK 3RZHU RII &KHFN SULQWKHDG SDWK [[[[[ VKXW GRZQ 6ZLWFK 3RZHU RII &KHFN SDSHU SDWK [[[[[ VKXW GRZQ 6ZLWFK WKH SULQWHU RII DW WKH IURQW SDQHO RSHQ WKH ZLQGRZ &DUHIXOO\ PRYH WKH SULQWKHDG FDUULDJH RXW RI WKH ZD\ LI SRVVLEOH DOO WKH ZD\ WR WKH HQFORVHG DUHD RQ WKH OHIW RU WKH ULJKW :KLFK ZD\ \RX DUH DEOH WR PRYH LW GHSHQGV RQ ZKHUH WKH PHGLD LV MDPPHG &$87, 21 :KHQ PRYLQJ WKH SULQWKHDG FDUULDJH WRXFK RQO\ WKH EODFN SODVWLF SDUWV &DUHIXOO\ UHPRYH DQ\ RI WKH MDPPHG PHGLD ZKLFK \RX FDQ HDVLO\ OLIW XS DQG RXW IURP WKH WRS RI WKH SULQWHU &DUHIXOO\ SXOO WKH UHVW RI WKH UROO RU VKHHW GRZQ DQG RXW RI WKH SULQWHU /RZHU WKH ZLQGRZ DQG OLIW XS WKH KDQGOHV DQG VZLWFK RQ WKH SULQWHU 3UHVV WKH )RUP )HHG DQG &XW NH\ WR HMHFW DQ\ SLHFHV RI PHGLD WKDW DUH VWLOO LQ WKH PHGLD SDWK 127( 'HSHQGLQJ RQ WKH VWDWXV RI WKH SULQWHU ZKHQ WKH PHGLD MDP RFFXUUHG LW PD\ FKHFN WKH LQN V\VWHP FRPSRQHQWV QRZ VHH FKDSWHU :RUNLQJ ZLWK +3 1R 6XSSOLHV IRU PRUH LQIRUPDWLRQ 5HORDG WKH PHGLD DV QRUPDO VHH SDJH /RDGLQJ 5ROO 3DSHU , I \RX DUH XVLQJ UROO PHGLD \RX PD\ QHHG WR WULP WKH HGJH ILUVW , I \RX KDYH LPDJH TXDOLW\ SUREOHPV DIWHU D SDSHU MDP UHPRYH WKH SULQWKHDGV DQG UH LQVWDOO WKHP VHH IRU GHWDLOV RQ KRZ WR GR WKDW 127( , I WKHUH LV VWLOO SDSHU OHIW LQ WKH SDSHU SDWK WU\ ORDGLQJ D VWLIIULJLG SDSHU W\SH LQWR WKH SULQWHU VXFK DV KHDY\ FRDWHG RU PDWWH ILOP WKLV ZLOO KHOS WR IRUFH RXW DQG SDSHU MDPPHG LQ WKH SDSHU SDWK 7URXEOHVKRRWLQJ 6ROYLQJ &RPPXQLFDWLRQ 3UREOHPV 6ROYLQJ &RPPXQLFDWLRQ 3UREOHPV , I WKHUH LV D 3UREOHP &RPPXQLFDWLQJ EHWZHHQ <RXU &RPSXWHU DQG WKH 3ULQWHU 6RPH V\PSWRPV RI D FRPPXQLFDWLRQ SUREOHP DUH n 7KH IURQWSDQHO GLVSOD\ GRHV QRW VKRZ 67$786 5HFHLYLQJ n <RXU FRPSXWHU GLVSOD\V DQ HUURU PHVVDJH ZKHQ \RX DUH WU\LQJ WR SULQW n <RXU FRPSXWHU RU SULQWHU KDQJV VWD\V LGOH ZKLOH FRPPXQLFDWLRQ LV WDNLQJ SODFH n <RXU SULQWHG RXWSXW VKRZV UDQGRP RU LQH[SOLFDEOH HUURUV PLVSODFHG OLQHV SDUWLDO JUDSKLFV HWF , WHPV WR VWDUW FKHFNLQJ DUH n +DYH \RX VHOHFWHG WKH FRUUHFW LQWHUIDFH SRUW LQ \RXU VRIWZDUH" n 'RHV WKH SULQWHU ZRUN FRUUHFWO\ ZKHQ UHFHLYLQJ ILOHV IURP RWKHU VRIWZDUH" n , I WKH SULQWHU LV FRQQHFWHG WR D QHWZRUN WU\ XVLQJ LW ZKHQ FRQQHFWHG GLUHFWO\ WR \RXU FRPSXWHU n , I \RXU SULQWHU LV FRQQHFWHG WR \RXU FRPSXWHU WKURXJK DQ\ RWKHU LQWHUPHGLDWH GHYLFHV VXFK DV VZLWFK ER[HV EXIIHU ER[HV FDEOH DGDSWHUV FDEOH FRQYHUWHUV HWF WU\ XVLQJ LW ZKHQ FRQQHFWHG GLUHFWO\ WR \RXU FRPSXWHU n 7U\ DQRWKHU LQWHUIDFH FDEOH )RU GHWDLOV RI VXSSRUWHG FDEOHV VHH SDJH )RU VSHFLILFDWLRQV RI WKH +3 -HW'LUHFW 3ULQW 6HUYHU 1HWZRUN , QWHUIDFH VHH WKH -HW'LUHFW 3ULQW 6HUYHU GRFXPHQWDWLRQ VXSSOLHG ZLWK WKH 3ULQW 6HUYHU , QWHUIDFH RU FRQVXOW \RXU GHDOHU 7URXEOHVKRRWLQJ 6ROYLQJ 3UREOHPV ZLWK , PDJH 3RVLWLRQ RU &RQWHQW 6ROYLQJ 3UREOHPV ZLWK , PDJH 3RVLWLRQ RU &RQWHQW , I \RX GRQ W ILQG WKH VROXWLRQ WR WKH SUREOHP KHUH RWKHU VRXUFHV RI KHOS DUH n 7KH GRFXPHQWDWLRQ VXSSOLHG ZLWK WKH GULYHU WKDW \RX DUH XVLQJ WR PDQDJH WKH RXWSXW IURP \RXU VRIWZDUH DSSOLFDWLRQ WR WKH SULQWHU )RU H[DPSOH WKH RQOLQH DQG SULQWHG GRFXPHQWDWLRQ LQFOXGHG LQ WKH IROORZLQJ GULYHUV VXSSOLHG ZLWK \RXU SULQWHU +3 'HVLJQ-HW 3RVW6FULSW GULYHUV IRU 3RZHU 0DFLQWRVK DQG 0DFLQWRVK 4XLFN'UDZ +3 'HVLJQ-HW 3RVW6FULSW GULYHUV IRU 0LFURVRIW :LQGRZV DSSOLFDWLRQV +3 GULYHUV IRU $XWR&$' XVHUV +3*/ :LQGRZV GULYHUV n 7KH +3*/ GULYHU GRFXPHQWDWLRQ VXSSOLHG ZLWK \RXU DSSOLFDWLRQ VRIWZDUH , I WKH 3ULQW LV &RPSOHWHO\ %ODQN n , I WKH IURQWSDQHO JUDSKLFV ODQJXDJH VHWWLQJ LV $XWRPDWLF WKH GHIDXOW WU\ WKH RWKHU VHWWLQJV 3RVW6FULSW IRU D 3RVW6FULSW ILOH +3*/ IRU DQ +3*/ ILOH HWF DQG VHQG WKH ILOH DJDLQ , I WKH 2XWSXW &RQWDLQV 2QO\ D 3DUWLDO 3ULQW n 'LG \RX SUHVV &DQFHO RU )RUP )HHG DQG &XW EHIRUH DOO WKH GDWD ZDV UHFHLYHG E\ WKH SULQWHU" , I VR \RX KDYH HQGHG WKH GDWD WUDQVPLVVLRQ DQG ZLOO KDYH WR SULQW WKH SDJH DJDLQ <RX QRUPDOO\ GRQ W QHHG WR SUHVV )RUP )HHG DQG &XW WR XQORDG WKH SULQW n 7KH , 2 6HWXS , 2 7LPHRXW VHWWLQJ PD\ EH WRR VKRUW )URP WKH IURQWSDQHO PHQX \RX FDQ LQFUHDVH WKH , 2 7LPHRXW VHWWLQJ WR D ORQJHU SHULRG DQG WKHQ VHQG WKH SULQW DJDLQ n 7KH ILOH PD\ EH WRR ODUJH IRU WKH SULQWHU V PHPRU\ <RX FDQ LQVWDOO H[WUD PHPRU\ LQ \RX SULQWHU VHH SDJH 8SJUDGLQJ <RXU 3ULQWHU 6HH WKH 6HWXS *XLGH IRU LQVWDOODWLRQ LQIRUPDWLRQ n 7KHUH PD\ EH D FRPPXQLFDWLRQV SUREOHP EHWZHHQ \RXU FRPSXWHU DQG WKH SULQWHU &KHFN \RXU LQWHUIDFH FDEOH n &KHFN WR PDNH VXUH WKDW \RXU VRIWZDUH VHWWLQJV DUH FRUUHFW IRU \RXU FXUUHQW SDJH VL]H HJ ORQJD[LV SULQWV n , I \RX DUH XVLQJ QHWZRUN VRIWZDUH PDNH VXUH LW KDV QRW WLPHG RXW 7URXEOHVKRRWLQJ 6ROYLQJ 3UREOHPV ZLWK , PDJH 3RVLWLRQ RU &RQWHQW , I WKH , PDJH LV &OLSSHG n 7KLV QRUPDOO\ LQGLFDWHV D GLVFUHSDQF\ EHWZHHQ WKH DFWXDO SULQWLQJ DUHD RQ WKH ORDGHG PHGLD DQG WKH SULQWLQJ DUHD DV XQGHUVWRRG E\ \RXU VRIWZDUH )RU JHQHUDO DGYLFH RQ SULQWLQJ DUHDV DQG SDJH VL]H VHH FKDSWHU n &KHFN WKH DFWXDO SULQWLQJ DUHD IRU WKH PHGLD VL]H \RX KDYH ORDGHG SULQWLQJ DUHD PHGLD VL]H PLQXV PDUJLQV )RU PHGLD VL]H DQG PDUJLQV VHH SDJH n &KHFN ZKDW \RXU VRIWZDUH XQGHUVWDQGV WR EH WKH SULQWLQJ DUHD ZKLFK LW PD\ FDOO SULQWDEOH DUHD RU LPDJDEOH DUHD )RU H[DPSOH VRPH VRIWZDUH DSSOLFDWLRQV DVVXPH VWDQGDUG SULQWLQJ DUHDV WKDW DUH ODUJHU WKDQ WKRVH XVHG LQ WKLV SULQWHU n &KHFN WKDW WKH RULHQWDWLRQ RI WKH PHGLD LV WKH VDPH DV WKDW DVVXPHG E\ \RXU VRIWZDUH 7KH IURQWSDQHO 3DJH IRUPDW 5RWDWH RSWLRQ FKDQJHV WKH RULHQWDWLRQ RI D SULQW DQG RQ UROO PHGLD WKH RULHQWDWLRQ RI WKH SDJH , W LV SRVVLEOH WKDW D URWDWHG LPDJH RQ UROO PHGLD PD\ EH VOLJKWO\ FOLSSHG LQ RUGHU WR UHWDLQ WKH FRUUHFW SDJH VL]H DV H[SODLQHG RQ SDJH n <RX PD\ KDYH DVNHG WR URWDWH WKH SDJH IURP SRUWUDLW WR ODQGVFDSH RQ PHGLD WKDW LV QRW ZLGH HQRXJK IRU H[DPSOH D '$VL]H SDJH URWDWHG RQ D '$VL]H UROO n , I QHFHVVDU\ FKDQJH WKH SULQWLQJ DUHD LQ \RXU VRIWZDUH n 7KH ILOH PD\ EH WRR ODUJH IRU WKH SULQWHUV PHPRU\ 7KLV LV WKH FDVH LI WKH IURQW SDQHO GLVSOD\V 2XW RI PHPRU\ GDWD ZDV ORVW 6HH SDJH 2UGHULQJ $FFHVVRULHV IRU GHWDLOV RI PHPRU\ H[SDQVLRQ PRGXOHV , I D /RQJ$[LV 3ULQW , V &OLSSHG n 'RHV \RXU VRIWZDUH VXSSRUW ORQJD[LV SULQWV" n +DYH \RX VSHFLILHG DQ DSSURSULDWH PHGLD VL]H LQ \RXU VRIWZDUH" n 8QOHVV LW LV D 3RVW6FULSW ILOH PDNH VXUH WKDW WKH SULQWHUV 3DJH IRUPDW 6L]H LV VHW WR , QNHG DUHD n 7KHUH PD\ QRW EH VXIILFLHQW PHPRU\ 6HH SDJH /RQJ $[LV 3ULQWLQJ /LPLWDWLRQV 7URXEOHVKRRWLQJ 6ROYLQJ 3UREOHPV ZLWK , PDJH 3RVLWLRQ RU &RQWHQW , I WKH (QWLUH , PDJH LV LQ 2QH 4XDGUDQW RI WKH &RUUHFW 3ULQWLQJ $UHD n , V WKH SDJH VL]H FRQILJXUHG LQ WKH VRIWZDUH WRR VPDOO" n $UH \RX VXUH WKDW \RXU VRIWZDUH GRHVQ W EHOLHYH WKH LPDJH WR EH LQ RQH TXDGUDQW RI WKH SDJH" 2WKHUZLVH WKLV LQGLFDWHV DQ LQFRPSDWLELOLW\ EHWZHHQ WKH VRIWZDUH DQG WKH SULQWHU n , V \RXU VRIWZDUH FRQILJXUHG IRU WKLV SULQWHU" )RU JHQHUDO DGYLFH VHH 6HW 8S <RXU 6RIWZDUH LQ WKH 6HWXS *XLGH )RU DGYLFH VSHFLILF WR \RXU VRIWZDUH VHH HLWKHU WKH GRFXPHQWDWLRQ VXSSOLHG ZLWK WKH GULYHU RU DQ\ 6RIWZDUH $SSOLFDWLRQ 1RWHV VXSSOLHG ZLWK \RXU SULQWHU n , I \RX VWLOO KDYHQ W IRXQG WKH VROXWLRQ WU\ FKDQJLQJ WKH SULQWHU V *UDSKLFV /DQJXDJH VHWWLQJ RQ WKH IURQW SDQHO 'HYLFH VHWXS /DQJ , I WKH , PDJH , V 8QH[SHFWHGO\ 5RWDWHG n &KHFN WKH IURQWSDQHO 3DJH IRUPDW 5RWDWH VHWWLQJ n )RU QRQ3RVW6FULSW ILOHV , I 4XHXHLQJ DQG 1HVWLQJ DUH ERWK 21 SDJHV PD\ EH DXWRPDWLFDOO\ URWDWHG WR VDYH PHGLD 6HH SDJH 5RWDWLQJ DQ , PDJH 3RVW6FULSW n )RU DQ H[SODQDWLRQ RI URWDWLRQ IRU 3RVW6FULSW ILOHV VHH SDJH 5RWDWLQJ DQ , PDJH 3RVW6FULSW , I WKH 3ULQW , V D 0LUURU , PDJH RI <RXU , PDJH n &KHFN WKH IURQWSDQHO 3DJH IRUPDW 0LUURU VHWWLQJ , I WKH 3ULQW LV 'LVWRUWHG RU 8QLQWHOOLJLEOH n 7KH LQWHUIDFH FDEOH EHWZHHQ \RXU FRPSXWHU DQG WKH SULQWHU FRXOG EH IDXOW\ 7U\ DQRWKHU FDEOH WR VHH LI WKH SUREOHP LV FRUUHFWHG n , I \RX KDYH FRQQHFWHG \RXU FRPSXWHU WR WKH SDUDOOHO SRUW RQ WKH SULQWHU PDNH VXUH \RX DUH XVLQJ D JHQXLQH +3 SDUDOOHO LQWHUIDFH FDEOH n , I WKH IURQWSDQHO JUDSKLFV ODQJXDJH VHWWLQJ LV $XWRPDWLF WKH GHIDXOW WU\ WKH RWKHU VHWWLQJV 3RVW6FULSW IRU D 3RVW6FULSW ILOH +3*/ IRU DQ +3*/ ILOH HWF DQG VHQG WKH ILOH DJDLQ n 'HSHQGLQJ RQ WKH VRIWZDUH GULYHUV DQG 5, 3V \RX DUH XVLQJ ZLWK \RXU SULQWHU WKHUH ZLOO EH GLIIHUHQW VROXWLRQV WR VROYLQJ WKLV SUREOHP 5HIHU WR WKH 9HQGRUV 8VHU 'RFXPHQWDWLRQ IRU GHWDLOV 7URXEOHVKRRWLQJ 6ROYLQJ 3UREOHPV ZLWK , PDJH 3RVLWLRQ RU &RQWHQW , I 2QH , PDJH 2YHUOD\V $QRWKHU RQ WKH 6DPH 6KHHW n 7KH , 2 6HWXS , 2 7LPHRXW VHWWLQJ PD\ EH WRR ORQJ )URP WKH IURQWSDQHO PHQX GHFUHDVH WKH VHWWLQJ DQG SULQW DJDLQ , I 3HQ 6HWWLQJV 6HHP WR KDYH 1R (IIHFW n (LWKHU \RX KDYH FKDQJHG WKHP LQ 3HQ VHWWLQJV 'HILQH SDOHWWH EXW IRUJRWWHQ WR VHOHFW WKDW SDOHWWH LQ 3HQ VHWWLQJV 3DOHWWH n 2U \RX H[SHFWHG WKH VRIWZDUHGULYHQ SHQ VHWWLQJV EXW LQ WKH IURQWSDQHO 3HQ VHWWLQJV 3DOHWWH LV QRW VHW WR 6RIWZDUH n 2U \RX FKDQJHG WKH VHWWLQJ LQ WKH IURQW SDQHO EXW WKLV KDV EHHQ LJQRUHG E\ WKH SULQWHU EHFDXVH WKH GULYHU VHWWLQJ KDV QRW EHHQ FKDQJHG , I WKH 3ULQWHU 3URGXFHV D %ODFN DQG :KLWH 3ULQW :KHQ <RX ([SHFWHG D &RORU 3ULQW n &KHFN WKH IURQWSDQHO &RORU*UD\VFDOH VHWWLQJ DQG WKH HTXLYDOHQW VHWWLQJ LQ \RXU VRIWZDUH 7URXEOHVKRRWLQJ 6ROYLQJ 3UREOHPV ZLWK , PDJH 3RVLWLRQ RU &RQWHQW , I WKH 3ULQWHU KDV 3ULQWHG D 'LIIHUHQW 3ULQW IURP WKH 2QH <RX ZHUH ([SHFWLQJ 2QH SRVVLELOLW\ LV WKDW \RX KDYH DFFLGHQWDOO\ LQLWLDWHG RQH RI WKH SULQWHU V LQWHUQDO SULQWV n 7KH SULQWKHDG $OLJQPHQW 3ULQW $ VPDOO SDWWHUQ RI FRORUHG VTXDUHV ZLWKRXW WH[W 7KLV LV SULQWHG DXWRPDWLFDOO\ HYHU\ WLPH \RX UHSODFH D SULQWKHDG n 7KH &XUUHQW &RQILJXUDWLRQ 3ULQW 7KLV LV SULQWHG E\ VLPXOWDQHRXVO\ SUHVVLQJ WKH WZR DUURZ NH\V RQ WKH IURQWSDQHO n 7KH SULQW TXDOLW\ SULQW 7KLV LV SULQWHG IURP WKH 8WLOLWLHV 6HUYLFH WHVWV , PDJH TXDOLW\ SULQW PHQX n 7KH 6HUYLFH SULQW 7KLV SURYLGHV LQIRUPDWLRQ QHHGHG IRU SULQWHU VHUYLFLQJ VXFK DV WKH FXUUHQW FRQILJXUDWLRQ RSHUDWLQJ FRQGLWLRQV WHPSHUDWXUH DQG KXPLGLW\ LQN OHYHOV DQG RWKHU VWDWLVWLFV DERXW SULQWHU XVDJH 2U \RX PD\ KDYH LQLWLDWHG RQH RI WKH IROORZLQJ , QWHUQDO SULQWV ZKLFK DUH n n n n n n n 3RVW6FULSW )RQWV SULQW 7KH +3*/ &RQILJXUDWLRQ SULQW 7KH PHQX SULQW 7KH 3DOHWWH SULQW 8VDJH 5HSRUW 3ULQW 4XDOLW\ 3ULQW 6HUYLFH &RQILJXUDWLRQ , I 3DJH )RUPDW RU 5RWDWH GRHV QRW :RUN n 7KH ILOH PD\ EH WRR ODUJH IRU WKH SULQWHU V PHPRU\ 7KLV LV WKH FDVH LI WKH IURQW SDQHO GLVSOD\V 2XW RI PHPRU\ GDWD ZDV ORVW 6HH SDJH 2UGHULQJ $FFHVVRULHV IRU GHWDLOV RI PHPRU\ H[SDQVLRQ PRGXOHV n 7KH SULQWHU FDQQRW URWDWH UDVWHU LPDJHV H[FHSW IRU 3RVW6FULSW ILOHV , I \RXU QRQ 3RVW6FULSW ILOH FRQWDLQV UDVWHU GDWD W\SLFDOO\ LPDJHV ZLWK KHDY\ DUHD ILOO DQG VKDGLQJ WKDW \RX KDYH VFDQQHG LQWR \RXU VRIWZDUH \RX ZLOO QRW EH DEOH WR URWDWH WKH SULQW n <RXU GULYHU GRHV QRW DOORZ WKLV WR KDSSHQ 7URXEOHVKRRWLQJ 6ROYLQJ )URQW3DQHO 3UREOHPV 6ROYLQJ )URQW3DQHO 3UREOHPV , I D 'LVSOD\ 0HVVDJH LV QRW &OHDU n /RRN XS WKH PHVVDJH LQ FKDSWHU )URQW3DQHO 0HVVDJHV 7KH PHVVDJH GHVFULSWLRQ PD\ KHOS \RX XQGHUVWDQG DQG UHVROYH WKH SUREOHP n , I ORRNLQJ XS WKH PHVVDJH GLG QRW KHOS SUHVV (QWHU , I WKDW GRHV QRW ZRUN WXUQ WKH SRZHU RII WKHQ RQ DJDLQ , I WKH PHVVDJH VWLOO GLVSOD\V KDYH WKH SULQWHU VHUYLFHG , I WKH PHVVDJH VD\V 6\VWHP (UURU DQG KDV DQ DOSKDQXPHULF FRGH UHIHU WR WKH QH[W H[SODQDWLRQ 7URXEOHVKRRWLQJ 6ROYLQJ )URQW3DQHO 3UREOHPV 6\VWHP (UURUV 7KHUH DUH WZR W\SHV RI V\VWHP HUURU PHHVDJH n &RQWLQXDEOH 6\VWHP HUURU $)% &RQWDFW +3 UHSUHVHQWDWLYH 3UHVV HQWHU WR FRQWLQXH , I HYHU\ WLPH \RX VZLWFK WKH SULQWHU RQ LW GLVSOD\V WKLV PHVVDJH \RX PXVW FRQWDFW +3 VXSSRUW $ SULQWHU ZLWK WKLV PHVVDJH LV VWLOO FDSDEOH RI SULQWLQJ EXW FKHFN WKH LPDJH TXDOLW\ n 1RQFRQWLQXDEOH 6\VWHP HUURU $)% &RQWDFW +3 UHSUHVHQWDWLYH 6ZLWFK SULQWHU RII 7XUQ WKH SULQWHU RII WKHQ RQ DJDLQ WR WU\ WR FOHDU WKH HUURU PHVVDJH &RQWDFW +3 VHH SDJH *HWWLQJ +HOS RU UHIHU WR WKH +3 6XSSRUW 6HUYLFHV ERRNOHW , I \RX KDYH WKH FXUUHQW FRQILJXUDWLRQ SULQW ZLWK \RX LW ZLOO KHOS WKH VHUYLFH HQJLQHHU , I DQ 2XW 2I 0HPRU\'DWD :DV /RVW 0HVVDJH , V 'LVSOD\HG n 7KH FXUUHQW ILOH LV WRR ODUJH IRU WKH SULQWHU V PHPRU\ )LOH 6L]H DQG 0HPRU\ 8VDJH 7KHUH LV QR GLUHFW UHODWLRQVKLS EHWZHHQ ILOH VL]H RQ \RXU FRPSXWHU DQG PHPRU\ XVHG LQ WKH SULQWHU WR SULQW WKDW ILOH , Q IDFW EHFDXVH RI ILOH FRPSUHVVLRQ DQG JHQHUDO FRPSOH[LW\ LW LV RIWHQ LPSRVVLEOH WR HVWLPDWH KRZ PXFK PHPRU\ ZLOO EH XVHG 7URXEOHVKRRWLQJ 6ROYLQJ 0LVFHOODQHRXV 3UREOHPV 6ROYLQJ 0LVFHOODQHRXV 3UREOHPV , I WKH 3ULQWHU GRHV QRW 3ULQW n <RX PD\ KDYH D SRZHU SUREOHP , I WKHUH LV QR DFWLYLW\ DW DOO IURP WKH SULQWHU DQG QR OLJKWV RQ WKH IURQW SDQHO FKHFN WKDW WKH SRZHU FDEOH LV FRQQHFWHG FRUUHFWO\ DQG WKDW WKHUH LV SRZHU DYDLODEOH DW WKH VRFNHW n , I \RX DUH XVLQJ D 0DFLQWRVK DQG WKH SULQW MRE GRHV QRW SULQW HQVXUH WKH SULQWHU ODQJXDJH LV VHW WR 3RVWVFULSW RU $XWRPDWLF 6HH SDJH &KDQJLQJ WKH *UDSKLFV /DQJXDJH n <RX PD\ KDYH D SUREOHP ZLWK \RXU DSSOLFDWLRQ GULYHU , V \RXU VRIWZDUH FRQILJXUHG IRU WKLV SULQWHU" )RU JHQHUDO DGYLFH VHH WKH 6HWXS *XLGH )RU DGYLFH VSHFLILF WR \RXU VRIWZDUH VHH HLWKHU WKH GRFXPHQWDWLRQ VXSSOLHG ZLWK WKH GULYHU RU WKH 6RIWZDUH $SSOLFDWLRQ 1RWHV VXSSOLHG ZLWK \RXU SULQWHU n , I \RX KDYH FRQQHFWHG \RXU FRPSXWHU WR WKH SULQWHUV SDUDOOHO SRUW DQG WULHG WR SULQW D ELQDU\HQFRGHG 3RVW6FULSW ILOH LW ZLOO QRW SULQW 7KH SDUDOOHO SRUW ZLOO RQO\ DFFHSW $6&, , HQFRGHG 3RVW6FULSW SULQW ILOHV 7KH IURQW SDQHO ZLOO GLVSOD\ WKH PHVVDJH (UURU SURFHVVLQJ MRE )OXVKLQJ UHVW RI MRE &RQQHFW \RXU FRPSXWHU WR WKH -HW'LUHFW 3ULQW 6HUYHU DQG VHQG WKH SULQW ILOH DJDLQ n 7KH ILOH PD\ EH WRR ODUJH IRU WKH SULQWHUV PHPRU\ 7KLV LV WKH FDVH LI WKH IURQW SDQHO GLVSOD\V 2XW RI PHPRU\ GDWD ZDV ORVW /RRN RQ \RXU FRPSXWHU VFUHHQ IRU DQ\ HUURU PHVVDJH VRPH GULYHUV DOORZ \RX WR FKRRVH D GLIIHUHQW SULQWLQJ PRGH DQG WU\ WR VHQG WKH ILOH DJDLQ n , I \RX FRQWLQXH WR KDYH SUREOHPV VHH SDJH *HWWLQJ +HOS 7URXEOHVKRRWLQJ 6ROYLQJ 0LVFHOODQHRXV 3UREOHPV , I WKH 3ULQWHU 6HHPV 7RR 6ORZ n 'LG \RX VSHFLI\ %HVW SULQW TXDOLW\ OHYHO RQ WKH IURQW SDQHO" %HVW TXDOLW\ SULQWV DUH SURGXFHG PRUH VORZO\ n 'LG \RX VSHFLI\ WKH ULJKW PHGLD W\SH ZKHQ ORDGLQJ WKH PHGLD" )RU GHWDLOV RI IURQWSDQHO PHGLD W\SHV VHH SDJH 3DSHU 7\SHV 7R ILQG RXW WKH SULQWHUV FXUUHQW PHGLD W\SH VHWWLQJ VHH SDJH n $UH \RX XVLQJ WKH SULQWHU ZLWK WKH $SSOHWDON VHULDO SRUW RQ 0DFLQWRVK" , W LV QRUPDO IRU WKH $SSOHWDON SRUW WR EH VORZ &RQVLGHU XVLQJ WKH (WKHUWDON LQWHUIDFH WR FRQQHFW \RXU SULQWHU WR \RXU 0DFLQWRVK n 7KH SULQWKHDG PD\ QHHG UHSODFLQJ 6HH SDJH :KHQ 6KRXOG <RX 5HSODFH WKH +3 1R 6XSSOLHV" n 'LG \RX VSHFLI\ D 0DQXDO 'U\ 7LPH LQ WKH IURQW SDQHO &KDQJH WKH GU\ WLPH WR $XWRPDWLF VHH SDJH 'U\LQJ 7LPH n , I WKH SULQWHU LV LQ 1RUPDO PRGH DQG WKH ILOH LW LV SULQWLQJ FRQWDLQV KLJK GHQVLW\ LQNHG DUHDV WKH SULQWHU ZLOO QHHG WR VORZ GRZQ WR FRPSHQVDWH , I WKH 3ULQWHU :DLWV 7RR /RQJ WR 3ULQW D 1HVW n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n , Q WKH UHOHYDQW GULYHU GRFXPHQWDWLRQ VXSSOLHG ZLWK WKLV SULQWHU IRU XVHUV VHQGLQJ 3RVW6FULSW ILOHV RU WKRVH XVLQJ 0LFURVRIW :LQGRZV n , I \RX KDYH LQVWDOOHG WKLUG SDUW\ VRIWZDUH GULYHUV DQG 5, 3V UHIHU WR WKDW XVHU GRFXPHQWDWLRQ n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n 7KH SULQWHU \RX DUH XVLQJ WKH SURGXFW QXPEHU DQG WKH VHULDO QXPEHU IRXQG RQ WKH ODEHO DW WKH EDFN RI WKH SULQWHU n 7KH FRPSXWHU \RX DUH XVLQJ n $Q\ VSHFLDO HTXLSPHQW RU VRIWZDUH \RX DUH XVLQJ IRU H[DPSOH VSRROHUV QHWZRUNV VZLWFKER[HV PRGHPV RU VSHFLDO VRIWZDUH GULYHUV n 7KH FDEOH \RX DUH XVLQJ E\ SDUW QXPEHU DQG ZKHUH \RX SXUFKDVHG LW n 7KH W\SH RI LQWHUIDFH XVHG RQ \RXU SULQWHU SDUDOOHO RU QHWZRUN 7URXEOHVKRRWLQJ *HWWLQJ +HOS n 7KH VRIWZDUH QDPH DQG YHUVLRQ \RX DUH FXUUHQWO\ XVLQJ n , I WKH SUREOHP LV D V\VWHP HUURU LW ZLOO KDYH D HUURU QXPEHU UHFRUG WKH HUURU QXPEHU DQG KDYH LW UHDG\ 6HH SDJH 6\VWHP (UURUV n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`GP86GG6X @Y8@QUAPSUC@ P7GDB6UDPIT TQ@8DAD86GG`T@UAPSUC DIUCDTX 6SS6IU` TU6U@H@IUDIIP@W@IU TC6GGCQPSDUTUCDS9 Q6SU`TVQQGD@ST7@ GD67G@APS9DS@8U DI9DS@8UTQ@8D6G DI8D9@IU6GPS 8PIT@RV@IUD6G 96H6B@TXC@UC@S 76T@9PI8PIUS68U UPSUPS6I`PUC@S G@B6GUC@PS`6I9 XC@UC@S69WDT@9PAUC@ QPTTD7DGDU`PATV8C 96H6B@T yvvhvur qhvsvyvrq hhvr # APS8PITVH@S US6IT68UDPITDI 6VTUS6GD66I9I@X a@6G6I9UC@U@SHTDI UCDTX 6SS6IU` TU6U@H@IU@Y8@QUUP UCYU@IUG6XAVGG` Q@SHDUU@99PIPU @Y8GV9@S@TUSD8UPS HP9DA` 6I96S@DI 699DUDPIUPUC@ H6I96UPS`TU6 UVUPS` SDBCUT6QQGD867G@UP UC@T6G@PACQQSP9V8UT UPTV8C8VTUPH@ST Srvv)Hh $u ((' $ ([WHQW RI /LPLWHG :DUUDQW\ CryrQhpxhqCQ hhurrqrpr uhurCQqprpvsvrq hirvyyirsrrsqrsrpv hrvhyhqxhuvs urqhvrpvsvrqhir uvpuqhvirtvurqhr spuhriurpr 8rvrviyrs hvhvvtssqhrs puhr !AshrqpCQ yvvrqhhhyvryh shvyrrrprthvt vpvCQqrhh uhurrhvshqp vyyirvrrqr srr " CQyvvrqhhpr yurqrsrpuvpuhvrh hryshyrsur qphqqhyh) h Drvhqrhr hvrhpr qvsvphv0 i Tshrvrshpvt rqvhhyvr vqrqrq iCQ0 p Prhvvqrur qprpvsvphv # ACQvrqpur rshCQvxphvqtrh rsvyyrqvxphvqtrqr hssrprvururhhur prhCQ phpvuurpr Crrvsvrshvyr qhhtrvhvihiyrurr shCQrsvyyrqvx phvqtrCQvyypuhtrv hqhqvrhqhrvhy puhtrrvprurvrs urhvpyhshvyrqhhtr $ DsCQrprvrqvtur hyvphiyrhhrvq vprshqrsrpvhshr rqvhvxphvqtrqp uvpuvprrqiCQ hhCQuhyyryhprur qrsrpvrqpDsCQ rprvrqvturhyvphiyr ' /RFDO /DZ Uurrrhyyrqiyphy yhurrrqvrvqrqvuv XhhThrrhrur pryrhqrpyvr rrqvr ! [. . . ]