,,"O ,,= ,,! ,,M"OY ,,GUIDE ,,6,,FAMILY ,,F9.E ,ELD] ,M>V9 ,J4 ,A%TON ,PUBLI%$ BY ,! ,*UR* ( ,JESUS ,*RI/ ( ,LATT]-"D ,SA9TS ,SALT ,LAKE ,C;Y1 ,UTAH ,COPY"R #AIIB1 #BJJF 0,9TELLECTUAL ,RES]VE1 ,9C4 ,ALL "RS RES]V$ ,PR9T$ 9 ! ,UNIT$ ,/ATE ( ,AM]ICA ,5GLI% APPROVAL ,JANU>Y #BJJF ,PRODUC$ 9 ,5GLI% ,BRL 0,SPECIAL ,CURRICULUM ,! ,*UR* ( ,JESUS ,*RI/ ( ,LATT]-"D ,SA9TS ,9 #A ,VOLUME ,PAGES ;I-;IV #A-AE #CCBIC.#JJJ ;I ,7,R1D]'S NOTE3 ,PICTURES1 ILLU/R,NS & MAPS H BE5 OMITT$ F ! BRL EDI;N4 ,PAGE NUMB]S 9 ! TEXT >E PR9T PAGE NUMB]S47' ,9 ! WELF>E SES.N (! ,APRIL ;III #AIGE G5]AL 3F];E1 ,ELD] ,M>V9 ,J4 ,A%TON1 A MEMB] (! ,C\NCIL (! ,TWELVE1 DELIV]$ ! A4RESS F : ? BOOKLET IS ADAPT$4 ,PRESID5T ,SP;ER ,W4 ,KIMBALL 5DORS$ ,ELD] ,A%TON'S MESSAGE :5 9 ! SAME MEET+ HE /OOD & SD3 8,I H BE5 ?9K+ ( _M ?+S S9CE WE CAME 6? MEET+4 ,I 5DORSE :AT ,BRO!R ,A%TON HAS SD4 ,I ?9K IF ,I 7 />T+ )A "Y FAMILY1 ,I WD WANT 6GET ! TWELVE PO9TS EXPLA9$ 0,BRO!R ,A%TON & FOLL[ !M EXPLICITLY MYF & T1* MY *N & MY FAMILY & "EYBODY ) :OM ,I CAME 9 3TACT4 ,X IS BASIC4 ,ALL MY LIFE F *ILDHOOD ,I H HE>D ! ,BRE?R5 SAY+1 ',GET \ ( DEBT & /AY \ ( DEBT4' ,I 0 EMPLOY$ = "S YE>S 9 ! BANKS & ,I SAW ! T]RI# SITU,N T _M P 7 9 2C !Y _H IGNOR$ T IMPORTANT C\NSEL4 8,I AGREE ) ALL T ,BRO!R ,A%TON HAS SD ''' ) REG>D 6FAMILY F9ANC+ 9 ! HOME4 ,E FAMILY %D H A BUDGET4 ,:Y1 WE WD N ?9K ( GO+ "O "D )\T A BUDGET 9 ? ,*UR* OR \R BUSI;SES4 ,WE H 6"K APPROXIMATELY :AT WE MAY RCV1 & WE C]TA9LY M/ "K :AT WE >E GO+ 6SP5D4 ,& "O (! SU3ESSES (! ;III ,*UR* WD H 6BE T ! ,BRE?R5 WAT* A;III ^! ?+S V C>E;LLY1 & WE D N SP5D T : WE D N H40 -------------------------------------;IV ..,! W9D & WAVES W P]IODIC,Y 9T]F]E ) \R *OS5 C\RSE1 EV5 9 F9ANCIAL MATT]S2 B ! LAWS (! GOSPEL C BR+ U BACK ON C\RSE & GUIDE U 6P1CE;L .WAT]S4 ,REC5TLY ,I _H ! OPPORTUN;Y #A 6VISIT )A *OICE "Y C\PLE4 ,!Y 7 6BE M>RI$ )9 ! WEEK4 ,_! EYES SP>KL$ 9 ANTICIP,N (! IMPORTANT EV5T &) EVID;E ( _! 3T9U+ LOVE = "O ANO!R4 ,BO? _H ! ADVANTAGES ( COLLEGE $UC,N1 GD HOMES1 & CULTURAL EXP]I;ES4 ,X 0 DELIE _! P]SONALITIES1 PLANS1 & POT5TIALS4 ,_! C\RT%IP ALR SEEM$ APPROPRIATELY LAUN*$ ON AN ET]NAL BASIS4 ,DUR+ \R 9T]VIEW1 _! RESPONSES 6ONLY "O "Q GAVE ME 3C]N4 ,I HOPE MY ANXIETIES & SU7ES;NS CAUS$ !M 6REASSESS _! P5D+ "PN]%IP4 ,6! "Q1 8,:O IS GO+ 6MANAGE ! M"OY 9 YR M>RIAGE80 %E REPLI$1 8,HE IS1 ,I GUESS40 ,HE RESPOND$1 8,WE HAV5'T TALK$ AB T YET40 ,^! -;TS SURPRIS$ & %OCK$ ME4 ,H[ IMPORTANT >E M"OY MANAGE;T & F9.ES 9 M>RIAGE & FAMILY A6AIRS8 ,MAY ,I RESPOND1 8,TREM5D\SLY40 ,! ,AM]ICAN ,B> ,ASSOCI,N HAS 9DICAT$ T #HI P]C5T ( ALL DIVORCES C 2 TRAC$ 6QU>RELS & A3US,NS OV] M"OY4 ,O!RS H E/IMAT$ T #GE P]C5T ( ALL DIVORCES RESULT F CLA%ES OV] F9.ES4 ,"S PROFES.NAL C\NSELORS 9DICATE T #A F\R \ ( FIVE FAMILIES >E /RAPP$ ) A#A S]I\S M"OY PRO#MS4 ,MAY ,I AT ? "T HA/5 6EMPHASIZE ! FACT T ^! M>RIAGE TRAG$IES >E N CAUS$ SIMPLY 0LACK ( M"OY1 B R 0! MISMANAGE;T ( P]SONAL F9.ES4 ,A PROSPECTIVE WIFE CD WELL 3C]N H]F N )! AM.T H] HUSB&-TO-BE C E>N 9 A MON?1 B R ) H[ HE 7& %E7 W MANAGE ! M"OY T -ES 96_! H&S4 ,M"OY MANAGE;T %D TAKE PREC$;E OV] M"OY PRODUCTIV;Y4 ,A PROSPECTIVE HUSB& :O IS 5GAG$ 6A SWEETHE>T :O HAS "EY?+ --------------------------------------#B WD D WELL 6TAKE YET ANO!R LOOK & SEE IF %E HAS M"OY-MANAGE;T S5SE4 ,9 ! HOME1 M"OY MANAGE;T 2T HUSB& & WIFE %D 2 ON A "PN]%IP BASIS1 ) BO? "PIES HAV+ A VOICE 9 DECI.N- & POLICY-MAK+4 ,:5 *N -E AL;G & R1* ! AGE ( A3.TABIL;Y1 !Y TOO %D 2 9VOLV$ 9 M"OY 3C]NS ON A LIMIT$ "PN]%IP BASIS4 ,P1CE1 3T5T;T1 LOVE1 & SECUR;Y 9 ! HOME >E N POSSI# :5 F9ANCIAL ANXIETIES & BICK]+S PREVAIL4 ,:E!R WE >E ANTICIPAT+ M>RIAGE OR >E WELL 96X1 TD IS ! "T = ALL ( U 6REVIEW & REP5T Z NEC 6IMPROVE \R M"OY MANAGE;T SKILLS & LIVE )9 \R M1NS4 A#B ,Z PROP] M"OY MANAGE;T & LIV+ )9 "O'S M1NS >E ESS5TIAL 9 TD'S _W IF WE >E 6LIVE ABUNDANTLY & HAPPILY1 MAY ,I MAKE "S RECOMM5D,NS = IMPROV$ P]SONAL & FAMILY F9ANCIAL MANAGE;T4 ,! FOLL[+ TWELVE PO9TS W HELP EA* ( U A*IEVE ? GOAL1 ,I 2LIEVE4 --------------------------------------#C #A4 ,,PAY ,,AN ,,H"O/ ,,TI?+ ,SU3ESS;L F9ANCIAL MANAGE;T 9 E ,,LDS HOME 2G9S )! PAY;T ( AN H"O/ TI!4 ,IF \R TI?+ & FA/ (F]+S >E ! F/ OBLIG,NS MET FOLL[+ ! RECEIPT ( EA* PAY*ECK1 \R -MIT;T 6? IMPORTANT GOSPEL PR9CIPLE W 2 /R5G!N$ &! LIKELIHOOD ( F9ANCIAL MISMANAGE;T W 2 REDUC$4 ,PAY+ TI?+ PROMPTLY 6,HM :O DOES N -E 6*ECK UP EA* MON? W T1* U & \R *N 6BE M H"O/ ) ^? PHYSIC,Y CLOS] AT H&4 #B4 ,,LE>N ,,6,,MANAGE ,,M"OY ,,2F ,,X ,,MANAGES ,,Y ,A BRIDE-TO-BE WD D WELL 6ASK H]F1 8,C MY SWEETHE>T MANAGE M"OY8 ,DOES HE "K H[ 6LIVE )9 8 M1NS80 ,^! >E M #C IMPORTANT "QS ?AN1 8,C HE E>N A A#C LOT ( M"OY80 ,F9ANCIAL P1CE ( M9D IS N DET]M9$ 0H[ M* WE MAKE1 B IS DEP5D5T ^U H[ M* WE SP5D4 ,NEW ATTITUDES & REL,N%IPS T[>D M"OY %D 2 DEVELOP$ 3/ANTLY 0ALL C\PLES4 ,AF ALL1 ! "PN]%IP %D 2 FULL & ET]NAL4 ,MANAGE;T ( FAMILY F9.ES %D 2 MUTUAL 2T HUSB& & WIFE 9 AN ATTITUDE ( OP5;S & TRU/4 ,3TROL (! M"OY 0"O SP\SE Z A S\RCE ( P[] & AU?OR;Y CAUSES 9EQUAL;Y 9 ! M>RIAGE & IS 9APPROPRIATE4 ,3V]SELY1 IF A M>RIAGE "PN] VOLUNT>ILY REMOVES HMF OR H]F 5TIRELY F FAMILY F9ANCIAL MANAGE;T1 T IS AN ABDIC,N ( NEC RESPONSIBIL;Y4 --------------------------------------#D #C4 ,,LE>N ,,SELF-4CIPL9E ,,& ,,SELF-RE/RA9T ,,9 ,,M"OY ,,MATT]S ,LE>N+ H[ 64CIPL9E "OF & EX]CISE 3/RA9T ": M"OY IS 3C]N$ C 2 M IMPORTANT ?AN C\RSES 9 A3.T+4 ,"Y C\PLES %D RECOGNIZE T !Y _C IMMLY MA9TA9 ! SAME SP5D+ PATT]NS & LIFE-/YLE Z T 6: !Y 7 A3U/OM$ Z "P ( _! P>5TS' FAMILY4 ,M>RI$ C\PLES %[ G5U9E MATUR;Y :5 !Y ?9K ( _! "PN]'S & _! FAMILY'S NE$S AH1D ( _! [N SP5D+ IMPULSES4 ,M"OY MANAGE;T A#D SKILLS %D 2 LE>N$ TGR 9 A _S ( COOP],N & LOVE ON A 3T9U+ BASIS4 ,A 4GU/$ HUSB& ONCE SD1 8,I ?9K T 9 LIFE M"OY TALKS1 B :5 MY WIFE GETS HOLD ( X1 ALL X "E SAYS IS ,8GD-BYE40'0 ,6! HUSB& :O SAYS 8 WIFE IS ! POORE/ M"OY MANAG] 9 ! _W1 ,I WD SAY1 8,LOOK 9 ! MIRROR & MEET ! _W'S POORE/ T1*]-TRA9]40 ,WE LIVE 9 A SELF-9DULG5T1 ME-ORI5T$1 MAT]IALI/IC SOCIETY4 ,ADV]TISE;TS 5TICE "Y BUY]S 0DEMON/RAT+ H[ EASY X IS 6GET CR$IT & BUY ON "T4 ,9T]E/+LY1 NO ADS FOCUS ON ! GLAM\R ( PAY+ ! M"OY BACK1 NOR D !Y M5;N H[ L;G OR H>D X IS 6D J T--ESPECI,Y )! UNAVOIDA# 9T]E/ A4$ ON4 --------------------------------------#E ,7,R1D]'S NOTE3 ,! PR9T EDI;N %[S A *>T CALL$ 8,DEBT-,ELIM9,N ,CAL5D>40 ,! ,*>T %[S MON?S F ,M>* 6,M>* (! FOLL[+ YE>4 ,X LI/S ! FOLL[+ DEBTS3 ,CR$IT ,C>D1 ,FURNITURE1 ,D5TI/1 ,PHYSICIAN1 ,AUTO ,LOAN4 ,X ILLU/RATES ! PROCESS ( PAY+ (F ! SMALLE/ LOAN F/ 7IN ? CASE1 ! CR$IT C>D = 4#AAJ7 & !N APPLY+ T AM.T 6! NEXT LOAN EA* MON?47' #E ,A DEBT-ELIM9,N CAL5D> C HELP Y A#E REDUCE OR ELIM9ATE DEBT4 ,M>K (F S"EAL COLUMNS ON A PIECE ( PAP]4 ,9 ! F/ COLUMN ON ! LEFT1 WRITE ! "NS (! MON?S1 2G9N+ )! UPCOM+ MON?4 ,AT ! TOP (! NEXT COLUMN1 WRITE ! "N (! CR$ITOR Y WANT 6PAY (F F/4 ,X MAY 2 ! DEBT )! HILIE/ PAY-(F DATE4 ,LI/ ! MON?LY PAY;T = T CR$ITOR UNTIL ! LOAN IS REPD Z %[N 9 ! ILLU/R,N ABV4 ,AT ! TOP (! NEXT COLUMN1 RECORD ! "N (! SECOND CR$ITOR Y WANT 6REPAY1 & LI/ PAY;TS DUE EA* MON?4 ,AF Y H REPD ! F/ CR$ITOR1 ADD ! AM.T ( T MON?LY PAY;T 6YR PAY;T 6! SECOND CR$ITOR4 7,IN ! EXAMPLE ABV1 NOTICE T ! FAMILY F9I%$ MAK+ MON?LY PAY;TS ON _! CR$IT C>D4 ,!Y !N A4$ 4#AAJ 6! 4#GJ FURNITURE PAY;T1 CR1T+ A NEW MON?LY PAY;T ( 4#AHJ47 ,3T9UE ! PROCESS UNTIL ALL LOANS >E REPD4 --------------------------------------#F #D4 ,,USE ,A ,,BUDGET ,E FAMILY M/ H A PREDET]M9$ "U/&+ ( H[ M* M"OY W 2 AVAILA# EA* MON? &! AM.T 6BE SP5T 9 EA* CATEGORY (! FAMILY BUDGET4 ,*ECKBOOKS FACILITATE FAMILY CA% MANAGE;T & RECORD-KEEP+4 ,C>E;LLY A#F RECORD EA* *ECK :5 WRITT5 & BAL.E ! *ECKBOOK )! MON?LY BANK /ATE;T4 ,)! EXCEP;N ( BUY+ A HOME1 PAY+ = $UC,N1 OR MAK+ O!R VITAL 9VE/;TS1 AVOID DEBT &! RESULT+ F9.E *>GES4 ,BUY 3SUM] DURA#S & VAC,NS ) CA%4 ,AVOID 9/ALL;T CR$IT1 & 2 C>E;L ) YR USE ( CR$IT C>DS4 ,!Y >E PR9CIP,Y = 3V5I;E & ID5TIFIC,N & %D N 2 US$ C>E.SLY OR RECK.SLY4 ,! USE ( MULTIPLE CR$IT C>DS SIGNIFICANTLY A4S 6! RISK ( EXCESS DEBT4 ,BUY US$ ITEMS UNTIL Y H SAV$ SU6ICI5TLY 6PUR*ASE QUAL;Y NEW ITEMS4 ,PUR*AS+ POOR-QUAL;Y M]*&ISE ALM ALW 5DS UP 2+ V EXP5SIVE4 ,SAVE & 9VE/ A SPECIFIC P]C5TAGE ( YR 9COME4 ,LIQUID SAV+S AVAILA# = EM]G5CIES %D 2 SU6ICI5T 6COV] AT L1/ ?REE MON?S ( ALL ESS5TIAL FAMILY OBLIG,NS4 ,E ,,LDS FAMILY %D FILE H"O/ & "TLY TAX RETURNS4 ,PL1SE LI/5 C>E;LLY 6?--& IF X MAKES "S ( Y FEEL UNCOM=TA#1 X IS ON PURPOSE3 ,LATT]-"D ,SA9TS :O IGNORE OR AVOID _! CR$ITORS >E 5TITL$ 6FEEL ! 9N] FRU/R,NS T S* 3DUCT M]ITS1 & !Y >E N LIV+ Z ,LATT]-"D ,SA9TS %D6 ,BANKRUPTCY %D #G 2 AVOID$1 EXCEPT ONLY "U ! MO/ B#F UNIQUE & IRREV]SI# CIRCUM/.ES1 & !N UTILIZ$ ONLY AF PRAY];L ?"\ & ?OR\< LEGAL & F9ANCIAL 3SULT,N4 --------------------------------------#G ,7,R1D]'S NOTE3 ,! PR9T EDI;N %[S A BUDGET "W%EET )! FOLL[+ CATEGORIES3 7,! "W%EET HAS A BLANK L9E 6FILL 9 ! 8PLANN$0 AM.T &! 8ACTUAL0 AM.T 0EA* CATEGORY77' ,,9COME ,WAGES/,SAL>IES 7AF TAXES7 ,O!R 9COME ,TOTAL 9COME ,,EXP5DITURES ,*UR* DON,NS ,SAV+S ,FOOD ,MORTGAGE OR R5T ,UTILITIES ,TRANSPORT,N ,DEBT PAY;TS ,9SUR.E ,M$ICAL ,CLO?+ A#G ,O!R ,TOTAL EXP5DITURES ,9COME LESS EXP5DITURES ,A BUDGET HELPS Y PLAN & EVALUATE YR EXP5DITURES4 ,BUDGET =A SPECIFI$ P]IOD 7S* Z WEEKLY1 BIWEEKLY1 MON?LY71 AC 6YR PAY S*$ULE4 ,BAL.E 9COME ) EXP5DITURES1 & SP5D LESS ?AN Y E>N4 --------------------------------------#H #E4 ,,T1* ,,FAMILY ,,MEMB]S ,,E>LY ,,! ,,IMPORT.E ,,( ,,"W+ ,,& ,,E>N+ 8,IN ! SW1T ( ?Y FACE %ALT ?\ EAT BR1D0 IS N \TDAT$ C\NSEL4 ,X IS BASIC 6P]SONAL WELF>E4 ,"O (! GRTE/ FAVORS P>5TS C D = _! *N IS 6T1* !M 6"W4 ,M* HAS BE5 SD OV] ! YE>S AB *N & MON?LY ALL[.ES1 & OP9IONS & RECOMM5D,NS V>Y GRTLY4 ,I'M F ! 8OLD S*OOL40 ,I 2LIEVE *N %D E>N _! M"OY NE$S "? S]VICE & APPROPRIATE *ORES4 ,"S F9ANCIAL REW>DS 6*N MAY AL 2 TI$ 6$UC,NAL EF=T &! A3OMPLI%;T ( O!R WOR?:ILE GOALS4 ,I #I ?9K X IS UN=TUNATE =A * 6GR[ UP 9 A#H A HOME ": ! SE$ IS PLANT$ 9 ! *'S M9D T "! IS A FAMILY M"OY TREE T AUTOMATIC,Y DROPS 8GRE5 /UFF0 ONCE A WEEK OR ONCE A MON?4 #F4 ,,T1* ,,*N ,,6,,MAKE ,,M"OY ,,DECI.NS ,,9 ,,KEEP+ ,,) ,,_! ,,CAPACITIES ,,6,,-PREH5D ,BAS$ ^U APPROPRIATE T1*+ & 9DIVIDUAL EXP]I;E1 *N %D 2 RESPONSI# =! F9ANCIAL DECI.NS A6ECT+ _! [N M"OY & SU6] ! 3SEQU;ES ( UNWISE SP5D+4 8,SAVE YR M"OY0 IS A HOLL[ PRON\NCE;T F A P>5T 6A *4 8,SAVE YR M"OY =A MIS.N1 BICYCLE1 DOLL H\SE1 TR\SS1U1 OR C>0 MAKES "U/&A# S5SE4 ,FAMILY UN;Y -ES F SAV+ TGR =A -MON1 JO9TLY APPROV$ PURPOSE4 ,9 \R HOME WE F.D X UNIFY+ 6H A * SAVE =A MAJOR PROJECT2 !N1 :5 ! AM.T 0 A*IEV$1 WE MAT*$ X )A PREDET]M9$ P]C5TAGE4 ,9C5TIVES >E A P[];L =CE 9 MOTIVAT+ & A*IEV+ DESIR$ 2HAVIOR4 #G4 ,,T1* ,,EA* ,,FAMILY ,,MEMB] #I ,,6,,3TRIBUTE ,,6,,! ,,TOTAL ,,FAMILY ,,WELF>E ,Z *N MATURE1 !Y %D "U/& ! FAMILY F9ANCIAL POSI;N1 BUDGET & 9VE/;T GOALS1 & _! 9DIVIDUAL RESPONSIBIL;Y )9 ! FAMILY4 ,5C\RAGE 9EXP5SIVE FUN PROJECTS1 "U/&A# 6! *N1 T 3TRIBUTE 6A FAMILY GOAL OR JOY4 ,"S FAMILIES MISS A TREM5D\S F9ANCIAL & _SUAL EXP]I;E :5 !Y FAIL 6SIT TGR1 PREF]ABLY DUR+ FAMILY HOME EV5+1 & EA* PUT 9 8 %>E (! MON?LY AM.T GO+ 6! SON OR DAUY1 ) PRIDE 2COM+ A TWO-WAY /REET4 #H4 ,,MAKE ,,$UC,N ,A ,,3T9U+ ,,PROCESS ,-PLETE Z M* =MAL1 FULL-"T $UC,N Z POSSI#1 9CLUD+ TRADE S*OOLS & APPR5TICE PROGRAMS4 ,? IS M"OY WELL 9VE/$4 ,BAS$ ON POT5TIAL LIFE"T E>N+S1 ! H\RS SP5T 9 FUR!R+ YR $UC,N W 2 V VALUA# 9DE$4 ,USE NIE4 ,ACQUIRE "S SPECIAL SKILL #AA OR ABIL;Y T CD 2 US$ 6AVOID A#I PROL;G$ UNEMPLOY;T4 ,! ABIL;Y 6D BASIC HOME & AUTO REPAIRS C FREQU5TLY 2 HELP;L1 Z WELL Z A S\RCE ( FAMILY SAV+S4 ,P]IODS ( UNEXPECT$ UNEMPLOY;T C HAPP5 6ANY"O4 ,WE %D N ALL[ \RVS1 :5 WE >E \ ( "W1 6SIT BACK & WAIT = 8\R TYPE ( JOB0 IF O!R HONORA# 9T]IM EMPLOY;T 2COMES AVAILA#4 #I4 ,,"W ,,T[>D ,,HOME ,,[N]%IP ,HOME [N]%IP QUALIFIES Z AN 9VE/;T1 N 3SUMP;N4 ,BUY ! TYPE ( HOME YR 9COME W SUPPORT4 ,IMPROVE ! 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EM]G5CY LIQUID SAV+S1 FAMILIES %D PLAN =& UTILIZE A WISE 9VE/;T PROGRAM PREP>+ = F9ANCIAL SECUR;Y1 POSSI# 4ABIL;Y1 & RETIRE;T4 ,AVOID ALL PROPOSALS = HI<-RISK 9VE/;TS & GET-RI*-QK S*EMES4 #AB4 ,,APPROPRIATELY ,,9VOLVE ,,YRF ,,9 ,A ,,FOOD ,,/ORAGE ,,& ,,EM]G5CY ,,PREP>$;S ,,PROGRAM ,A3UMULATE YR BASIC FOOD /ORAGE & EM]G5CY SUPPLIES 9 A SY/EMATIC & ORD]LY WAY4 ,AVOID GO+ 96DEBT = ^! PURPOSES4 ,2W>E ( UNWISE FOOD /ORAGE PROMO;NAL S*EMES4 ,PLANT+ & H>VE/+ A G>D5 ANNU,Y IS HELP;L 6! FAMILY 9 _M WAYS1 #AC 9CLUD+ ! FOOD BUDGET4 ,EAT B#AJ NUTRITI\S FOODS & EX]CISE APPROPRIATELY 6IMPROVE H1L?1 ?US AVOID+ _M M$ICAL CO/S4 -------------------------------------#AA ,^! FEW PO9TS & SU7ES;NS >E N 9T5D$ 6BE ALL-9CLUSIVE OR EXHAU/IVE4 ,R1 X IS HOP$ T A NE$ HAS BE5 BR"\ 6! SURFACE = \R S]I\S 3SID],N4 ,WE NE$ 6RECOGNIZE & 2 AW>E ( ^! 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TOP (! NEXT COLUMN1 RECORD ! "N (! SECOND CR$ITOR Y WANT 6REPAY1 & LI/ PAY;TS DUE EA* MON?4 ,AF Y H REPD ! F/ CR$ITOR1 ADD ! AM.T ( T MON?LY PAY;T 6YR PAY;T 6! SECOND CR$ITOR4 ,3T9UE ! PROCESS UNTIL ALL LOANS >E REPD4 ,,! ,,5D #AE