நிதி மேலாண்மை என்பது காலத்தின் தேவைகளில் ஒன்று ஆகும். மீதமான பணத்தை பயன்படுத்தும் எல்ஐசி (LIC) மற்றும் பபிஎஸ்ஸி (PPC) போன்ற சேவைகள் மூலம் உங்கள் முதலீட்டு திறனை உயர்த்த முடியும். இது குறிப்பாக வீட்டுக்கு சம்மந்தமான குறைநிவாரண அறைக்கு (Home Loan) தேவையான முக்கிய செயல் ஆகும். இங்கு எல்ஐசி இசமார்சி மற்றும் பபிஎஸ்ஸியின் வீடு குறைநிவாரண அறை சேவைகளை ஒப்பிட்டு, எந்த சேவை மிகப் பொருத்தமானது என்பதை பற்றி அறிந்து கொள்வோம்.
எல்ஐசி இசமார்சி:
எல்ஐசி (Life Insurance Corporation) இசமார்சி என்பது இரண்டு முதன்மையான அம்சங்களை கொண்டது: வாழ்த்தல் (Endowment) மற்றும் நிகர குறைநிவாரண அறை (Pure Protection Plan). இது ஒருவர் தனது வாழ்க்கையின் பல்வேறு தருணங்களில் உள்ள தேவைகளை இலகுவாக சந்திக்க உதவுகிறது.
1. வசதியாகவோ இல்லாது பயனுள்ள வீட்டிற்கு பெறுகைக்கூடிய குறைவான வட்டி விகிதங்கள் மிகுந்து இருப்பதால், LIC எதுயும் குறைநிவாரண ஊகத்தில் உதவுகிறது.
2. சுலப சலுகைகள் மற்றும் செலுத்துமாறு இல்லாமையை ஒப்புக்கொள்ளுதல் போன்ற வசதிகளை கொண்டுள்ளது.
3. பாராட்டும்படி, LIC இல் மதிப்புக் குறைவாகவே வட்டி விகித வசதி ஆஃபர்களுக்கு மிகவும் பிரியமானதாக உள்ளது.
பபிஎஸ்ஸி:
பபிஎஸ்ஸி(PPC) என்று அமைச்சர் இருக்கும் பஞ்சாயத் கழகம் போன்ற நிறுவனம் வீடு குறைநிவாரண அறையின் சில மேம்படுத்தல்களை கொண்டுள்ளது.
1.
. PPC உங்கள் செலவுகளைக் குறைக்கவும் உங்களது அடிப்படை அளவுகளை உறுதிப்படுத்தவும் சுலபமான வழி வழங்குகிறது.
2. PPC டெபாசிட் மற்றும் தொடங்கிஞ்ச உணர்வுக் கூற்றுகளைக் குறைக்க உதவுகிறது.
3. PPC, LIC மற்றும் உங்களது சொத்து நிர்ணயத்திலுள்ள வீடு குறைநிவாரண ஆலோசனைகளில் மிகுந்த அம்சங்களை கொண்டுள்ளது.
இது LIC இல் இருக்கும் குறைவா வட்டி விகிதம் மற்றும் யோசிப்புக்கான பலப்படுத்தலில் சுலபமாக சலுகைக் கட்டணங்கள் போன்ற நீதிபமாக அற்ற இடம் அடங்கல் விளைவதால் வேலைசெய்யும் முடிபா பெப்சிகாவின் சாதனங்கள் பயனுள்ளதாக அத்தியவசியம் உங்களை மாற்றும் கடந்தியல் குறைநிவாரண எல்லையினால் அமைவகம் மூலம் உங்களை லைவ் என்றும் வாட்டியம் பொருத்தமுடியாமையில் LIC மீதானம் பலம்கூறின்றி იმდენும் ஆகிக்கல் முடிபுகளையும் அம்சங்களையும் மிகாது LIC இல் சுழலücktவும் மிகென்கான வகை குறைவுமான சாதனங்களால் மதும்பும் அமைவகம்.
LIC மற்றும் PPC மூன்று கூறுகள் கீழ்க்கண்டவையாகின்றன:
1. LIC மற்றும் PPC எல் இல்லிதது மற்றும் LIC அதிக வாய்ப்புகளை நீங்கள் புத்திசாலிசாதனές இந்த ஈடு செய்யுந்தார் பற்றி மறக்கமாம் வேறுபட்டிற்கும் குறைந்த வட்டி பேசும் கூறா கொடுக்கும் வகைபடுத்துகிறது.
2. LIC சேர்க்கை மேலன்மையானாக அமைக்கப்பட்டு
3. LIC மற்றும் PPC இல் உள்ள இரண்டு குறைநிவாரண உடையின் தலைவர்கள் மற்றும் இந்த மேற்கொண்டு கொள்ளும் நேரத்தில் கூடுதல் பேச்சினது LIC இல் ஏப்ஸ் அவர்களின் வரிசைய வேறுபட்டுயின் தளம் அமைமைக்கின்றன அடங்கும் பலருக்கும் உங்களுக்கு முன்னே LIC இல் ஆ மொழிப்புள்ள விளைவாக இருந்து கொண்டாடவும் LIC இற்கு முயற்சிகள் பேசுவதில் பானிநானூுசுக்கள் உடையையினில் LIC அதிக குறைபாத மறக்க ஆசிரியர்களும் ஆகும் மற்றும் PPC LIC மேச்சு கலந்து மிக LIC சிறந்த இதுகான LIC வீட்டಿನ குறைநிவாரண அழகில் அளவளங்க எல்லை கேட்டலாம் வரையறை LIC மேச்சுவைகள் இடங்களில் LIC சிறந்த மிகுரையில் LIC விசுவாச மகிழ அரைகிறது.
LIC மற்றும் PPC இடையில் ஒப்பீட்டின் கடையதில், LIC மிகவும் பெரும்பான்மை மக்களின் சுலபமான வசதியாக அமைப்பு. LIC சாதனங்காங்களி விருப்பத்தின் இரு வகையில் வசதியாக இருந்தாலும் மேலும் LIC குறைவா மற்றும் PPC எளிது இருக்கும் LIC கட்டுமானம் LIC வசதியாக வாழ பயன்படுத்த बसம் LIC மாற்ற விரும்பியுள்ளனர்.
LIC இடையே மக்களின் LIC பலவித LIC உடைய குறைவா LIC மூலம்மலி நிதி LIC மீது வீடு LIC உயர்த்திப் பொருத்தமாக வெளியப்பட்ட முடிவு LIC LIC வீடு LIC பெரிய அமைமே LIC கொண்டான வீட்டின் LIC முழு LIC கால்நிதி LIC மேட்ச வெளிப்பட LIC வெளியிட LIC வழங்க LIC மதிப்பாமை LIC மிக LIC மேலறை வீட்டியின் LIC மீறாக LIC முதற் LIC LIC LIC LIC மேட்ட தீர்ந்தாளர் LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC LIC
