{"id":3629,"date":"2025-07-13T08:21:50","date_gmt":"2025-07-13T08:21:50","guid":{"rendered":""},"modified":"2025-07-13T08:21:50","modified_gmt":"2025-07-13T08:21:50","slug":"5-%e0%a4%ae%e0%a4%bf%e0%a4%b2%e0%a5%87%e0%a4%a8%e0%a4%bf%e0%a4%af%e0%a4%b2-%e0%a4%a1%e0%a5%88%e0%a4%a1%e0%a5%8d%e0%a4%b8-%e0%a4%aa%e0%a4%b0-%e0%a4%9c%e0%a5%81%e0%a4%97%e0%a4%b2%e0%a4%bf%e0%a4%82","status":"publish","type":"post","link":"https:\/\/sarkari-career.com\/?p=3629","title":{"rendered":"5 \u092e\u093f\u0932\u0947\u0928\u093f\u092f\u0932 \u0921\u0948\u0921\u094d\u0938 \u092a\u0930 \u091c\u0941\u0917\u0932\u093f\u0902\u0917 \u092a\u0947\u0930\u0947\u0902\u091f\u093f\u0902\u0917, \u0915\u0930\u093f\u092f\u0930 \u0914\u0930 \u092c\u0948\u0932\u0947\u0902\u0938 \u0915\u0940 \u0924\u0932\u093e\u0936"},"content":{"rendered":"<div xmlns:default=\"http:\/\/www.w3.org\/2000\/svg\" id=\"\">\n<p>\u092e\u093f\u0932\u0947\u0928\u093f\u092f\u0932 \u0921\u0948\u0921\u094d\u0938 \u0905\u092a\u0928\u0947 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\u0915\u0943\u092a\u092f\u093e \u0907\u0938 \u0924\u094d\u0935\u0930\u093f\u0924 \u092b\u0949\u0930\u094d\u092e \u0915\u094b \u092d\u0930\u0947\u0902\u0964<\/p>\n<\/aside>\n<p>2016 \u0915\u0947 \u090f\u0915 \u092a\u094d\u092f\u0942 \u0930\u093f\u0938\u0930\u094d\u091a \u0938\u094d\u091f\u0921\u0940 \u092e\u0947\u0902 \u092a\u093e\u092f\u093e \u0917\u092f\u093e \u0915\u093f DADS 1965 \u092e\u0947\u0902 \u092c\u093f\u0924\u093e\u090f \u0917\u090f \u0938\u092e\u092f \u0915\u0940 \u092e\u093e\u0924\u094d\u0930\u093e \u092e\u0947\u0902 \u091a\u093e\u0907\u0932\u094d\u0921\u0915\u0948\u0905\u0930 \u092a\u0930 \u0938\u092a\u094d\u0924\u093e\u0939 \u092e\u0947\u0902 \u0914\u0938\u0924\u0928 \u0906\u0920 \u0918\u0902\u091f\u0947 \u0916\u0930\u094d\u091a \u0915\u0930 \u0930\u0939\u0947 \u0925\u0947\u0964<\/p>\n<p>\u0921\u0948\u0921\u094d\u0938 \u0928\u0947 \u0939\u092e\u0947\u0902 \u092c\u0924\u093e\u092f\u093e \u0915\u093f \u0935\u0947 \u092a\u093f\u0924\u093e \u0915\u0940 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encoding=\"UTF-8\" width=\"1\" height=\"1\" data-content-type=\"image\/jpeg\" srcs=\"{&quot;https:\/\/i.insider.com\/68714a1a3d5881a51c1d314e&quot;:{&quot;contentType&quot;:&quot;image\/jpeg&quot;,&quot;aspectRatioW&quot;:3088,&quot;aspectRatioH&quot;:2316}}\" alt=\"Image of man in kitchen\"\/>\n            <\/div>\n<p>              <span class=\"image-source-caption \"><figcaption class=\"image-caption headline-semibold\" data-e2e-name=\"image-caption\">\n<p>                      \u0928\u093f\u0915\u094b\u0932\u0938 \u0917\u093f\u0932\u092a\u093f\u0928<\/p>\n<p>              <span class=\"image-source headline-regular\" data-e2e-name=\"image-source\" itemprop=\"creditText\"><\/p>\n<p>              \u0928\u093f\u0915\u094b\u0932\u0938 \u0917\u093f\u0932\u092a\u093f\u0928<\/p>\n<p>              <\/span><br \/>\n                    <\/figcaption><\/span><br \/>\n              <\/figure>\n<p>&#8220;\u090f\u0915 \u092a\u093f\u0924\u093e \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 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\u0939\u0948 \u0915\u093f \u092e\u0948\u0902 \u092a\u0930\u094d\u092f\u093e\u092a\u094d\u0924 \u0928\u0939\u0940\u0902 \u0915\u0930 \u0930\u0939\u093e \u0939\u0942\u0902\u0964&#8221; <em>-\u0928\u093f\u0915\u094b\u0932\u0938 \u0917\u093f\u0932\u092a\u093f\u0928, 38, \u0909\u0926\u094d\u092f\u092e\u0940 \u0914\u0930 \u092b\u0947\u092f\u0930 \u0913\u0915\u094d\u0938, \u0915\u0948\u0932\u093f\u092b\u094b\u0930\u094d\u0928\u093f\u092f\u093e \u092e\u0947\u0902 \u0926\u094b \u0915\u0947 \u0918\u0930 \u092a\u0930 \u0930\u0939\u0928\u0947 \u0935\u093e\u0932\u0947 \u092a\u093f\u0924\u093e\u0964<\/em><\/p>\n<div data-component-type=\"zero-party-data\" class=\"zero-party-data\" data-track-view=\"{&quot;product_field&quot;:&quot;bi_value_unassigned&quot;,&quot;subscription_experience&quot;:&quot;bi_value_unassigned&quot;,&quot;element_name&quot;:&quot;zeroparty_job&quot;,&quot;event&quot;:&quot;module_in_view&quot;}\">\n<p>\u0915\u0943\u092a\u092f\u093e \u0905\u092a\u0928\u0940 \u092d\u0942\u092e\u093f\u0915\u093e \u0915\u0947 \u092c\u093e\u0930\u0947 \u092e\u0947\u0902 \u0925\u094b\u0921\u093c\u093e \u0938\u093e\u091d\u093e \u0915\u0930\u0915\u0947 \u0939\u092e\u093e\u0930\u0947 \u0935\u094d\u092f\u0935\u0938\u093e\u092f, \u0924\u0915\u0928\u0940\u0915 \u0914\u0930 \u0928\u0935\u093e\u091a\u093e\u0930 \u0915\u0935\u0930\u0947\u091c \u0915\u094b \u092c\u0947\u0939\u0924\u0930 \u092c\u0928\u093e\u0928\u0947 \u092e\u0947\u0902 \u092e\u0926\u0926 \u0915\u0930\u0947\u0902 &#8211; \u092f\u0939 \u0939\u092e\u0947\u0902 \u0926\u0930\u094d\u091c\u0940 \u0938\u093e\u092e\u0917\u094d\u0930\u0940 \u092e\u0947\u0902 \u092e\u0926\u0926 \u0915\u0930\u0947\u0917\u093e \u091c\u094b \u0906\u092a\u0915\u0947 \u091c\u0948\u0938\u0947 \u0932\u094b\u0917\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0938\u092c\u0938\u0947 \u0905\u0927\u093f\u0915 \u092e\u093e\u092f\u0928\u0947 \u0930\u0916\u0924\u093e \u0939\u0948\u0964<\/p>\n<div class=\"questions\">\n<div class=\"question-screen\">\n<p>  \u0905\u092a\u0915\u0940 \u0928\u094c\u0915\u0930\u0940 \u0936\u0940\u0930\u094d\u0937\u0915 \u0915\u094d\u092f\u093e \u0939\u0948?<br \/>\n                      <span class=\"step-indicator body-xs\"><br \/>\n                        (\u0968 \u092e\u0947\u0902 \u0938\u0947 \u0967)<br \/>\n                      <\/span>\n                    <\/p>\n<\/p><\/div>\n<div class=\"question-screen is-hidden\">\n<p>  \u0905\u092a\u0928\u0940 \u092d\u0942\u092e\u093f\u0915\u093e \u092e\u0947\u0902 \u0916\u0930\u0940\u0926\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0906\u092a \u0915\u093f\u0928 \u0909\u0924\u094d\u092a\u093e\u0926\u094b\u0902 \u092f\u093e \u0938\u0947\u0935\u093e\u0913\u0902 \u0915\u094b \u092e\u0902\u091c\u0942\u0930\u0940 \u0926\u0947 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902?<br \/>\n                      <span class=\"step-indicator body-xs\"><br \/>\n                        (\u0968 \u0915\u093e \u0968)<br \/>\n                      <\/span>\n                    <\/p>\n<\/p><\/div>\n<\/p><\/div>\n<p>\n                  <button role=\"button\" class=\"continue\"><\/p>\n<p>                    \u091c\u093e\u0930\u0940 \u0930\u0916\u0928\u093e<br \/>\n                  <\/button>\n                <\/p>\n<div class=\"disclaimer label-sm subtle\">\n<p>                  \u092f\u0939 \u091c\u093e\u0928\u0915\u093e\u0930\u0940 \u092a\u094d\u0930\u0926\u093e\u0928 \u0915\u0930\u0915\u0947, \u0906\u092a \u0938\u0939\u092e\u0924 \u0939\u0948\u0902 \u0915\u093f \u092c\u093f\u091c\u0928\u0947\u0938 \u0907\u0928\u0938\u093e\u0907\u0921\u0930 \u0907\u0938 \u0921\u0947\u091f\u093e \u0915\u093e \u0909\u092a\u092f\u094b\u0917 \u0905\u092a\u0928\u0940 \u0938\u093e\u0907\u091f \u0915\u0947 \u0905\u0928\u0941\u092d\u0935 \u0915\u094b \u092c\u0947\u0939\u0924\u0930 \u092c\u0928\u093e\u0928\u0947 \u0914\u0930 \u0932\u0915\u094d\u0937\u093f\u0924 \u0935\u093f\u091c\u094d\u091e\u093e\u092a\u0928 \u0915\u0947 \u0932\u093f\u090f \u0915\u0930 \u0938\u0915\u0924\u093e \u0939\u0948\u0964 \u091c\u093e\u0930\u0940 \u0930\u0916\u0928\u0947 \u0938\u0947 \u0906\u092a \u0938\u0939\u092e\u0924 \u0939\u0948\u0902 \u0915\u093f \u0906\u092a \u0938\u0947\u0935\u093e \u0914\u0930 \u0917\u094b\u092a\u0928\u0940\u092f\u0924\u093e \u0928\u0940\u0924\u093f \u0915\u0940 \u0936\u0930\u094d\u0924\u094b\u0902 \u0915\u094b \u0938\u094d\u0935\u0940\u0915\u093e\u0930 \u0915\u0930\u0924\u0947 \u0939\u0948\u0902\u0964\n                <\/p><\/div>\n<p>                  \u0905\u092a\u0928\u0940 \u092d\u0942\u092e\u093f\u0915\u093e \u0915\u0947 \u092c\u093e\u0930\u0947 \u092e\u0947\u0902 \u0905\u0902\u0924\u0930\u094d\u0926\u0943\u0937\u094d\u091f\u093f \u0938\u093e\u091d\u093e \u0915\u0930\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0927\u0928\u094d\u092f\u0935\u093e\u0926\u0964\n                <\/p>\n<\/p><\/div>\n<p>&#8220;\u092f\u0939 \u090f\u0915 \u092a\u0940\u0938 \u0939\u0948, \u0914\u0930 \u090f\u0915 \u0938\u0902\u0924\u0941\u0932\u0928 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\u0932\u0947\u0915\u093f\u0928 \u092f\u0939 \u0938\u093f\u0930\u094d\u092b \u092a\u094d\u0930\u0915\u0943\u0924\u093f \u0939\u0948 &#8211; \u0907\u0938\u0947 \u092b\u093f\u091f \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902 \u091c\u092c \u0906\u092a \u0907\u0938\u0947 \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902\u0964&#8221; <em>&#8211; \u091c\u094b\u0936\u0941\u0906 \u0939\u0930\u0935\u093f\u0932\u0947, 35, \u0930\u093f\u092f\u0932 \u090f\u0938\u094d\u091f\u0947\u091f \u090f\u091c\u0947\u0902\u091f \u0914\u0930 \u092b\u094b\u0930\u094d\u091f \u0935\u0930\u094d\u0925, \u091f\u0947\u0915\u094d\u0938\u093e\u0938 \u092e\u0947\u0902 \u090f\u0915 \u0915\u0947 \u092a\u093f\u0924\u093e\u0964<\/em><\/p>\n<figure xmlns:default=\"http:\/\/www.w3.org\/2000\/svg\" class=\"figure image-figure-image   \" data-type=\"img\" data-e2e-name=\"image-figure-image\" data-media-container=\"image\" itemscope=\"\" itemtype=\"https:\/\/schema.org\/ImageObject\">\n<div class=\"lazy-holder \" style=\"padding-top: calc(100% * 1158 \/ 823)\">\n<p>              <meta itemprop=\"contentUrl\" content=\"https:\/\/i.insider.com\/68714bdc3d5881a51c1d3196\"\/><br \/>\n              <default:img xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"lazy-image \" encoding=\"UTF-8\" width=\"1\" height=\"1\" data-content-type=\"image\/png\" srcs=\"{&quot;https:\/\/i.insider.com\/68714bdc3d5881a51c1d3196&quot;:{&quot;contentType&quot;:&quot;image\/png&quot;,&quot;aspectRatioW&quot;:823,&quot;aspectRatioH&quot;:1158}}\" alt=\"Headshot\"\/>\n            <\/div>\n<p>              <span class=\"image-source-caption \"><figcaption class=\"image-caption headline-semibold\" data-e2e-name=\"image-caption\">\n<p>                      \u092e\u093e\u0907\u0915\u0932 \u0936\u092e\u0941\u091f\u094d\u091c\u093c<\/p>\n<p>              <span class=\"image-source headline-regular\" data-e2e-name=\"image-source\" itemprop=\"creditText\"><\/p>\n<p>              \u092e\u093e\u0907\u0915\u0932 \u0936\u092e\u0941\u091f\u094d\u091c\u093c<\/p>\n<p>              <\/span><br \/>\n                    <\/figcaption><\/span><br \/>\n              <\/figure>\n<p>&#8220;\u092e\u0947\u0930\u0947 \u092c\u091a\u094d\u091a\u094b\u0902 \u0915\u0947 \u091c\u0940\u0935\u0928 \u092e\u0947\u0902 \u092d\u0940 \u0936\u093e\u092e\u093f\u0932 \u0939\u094b\u0928\u0947 \u0915\u0947 \u0926\u094c\u0930\u093e\u0928 \u0905\u092a\u0928\u0947 \u0917\u094d\u0930\u093e\u0939\u0915\u094b\u0902 \u0915\u0947 \u0932\u093f\u090f \u0909\u091a\u094d\u091a \u0938\u094d\u0924\u0930 \u092a\u0930 \u092a\u094d\u0930\u0926\u0930\u094d\u0936\u0928 \u0915\u0930\u0928\u0947 \u092e\u0947\u0902 \u0938\u0915\u094d\u0937\u092e \u0939\u094b\u0928\u0947 \u0915\u0947 \u0928\u093e\u0924\u0947\u0964 \u092e\u0948\u0902 \u090f\u0915 \u092a\u094d\u0930\u0924\u093f\u0938\u094d\u092a\u0930\u094d\u0927\u0940 \u092c\u0949\u0921\u0940 \u092c\u093f\u0932\u094d\u0921\u0930 \u092d\u0940 \u0939\u0942\u0902, \u0907\u0938\u0932\u093f\u090f \u092e\u0941\u091d\u0947 \u091f\u094d\u0930\u0947\u0928 \u0915\u0947 \u0932\u093f\u090f \u091c\u0932\u094d\u0926\u0940 \u0909\u0920\u0928\u093e \u0939\u094b\u0917\u093e, \u092e\u0947\u0930\u0947 \u0938\u092d\u0940 \u092d\u094b\u091c\u0928 \u0926\u093f\u0928 \u0915\u0947 \u0932\u093f\u090f \u0924\u0948\u092f\u093e\u0930 \u0939\u0948\u0902, \u0914\u0930 \u092b\u093f\u0930 \u0905\u092a\u0928\u0947 \u092c\u091a\u094d\u091a\u094b\u0902 \u0914\u0930 \u0909\u0928\u0915\u0940 \u0917\u0924\u093f\u0935\u093f\u0927\u093f\u092f\u094b\u0902 \u092e\u0947\u0902 \u0936\u093e\u092e\u093f\u0932 \u0930\u0939\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u091c\u094d\u092f\u093e\u0926\u093e\u0924\u0930 \u0926\u093f\u0928\u094b\u0902 \u092e\u0947\u0902 \u0936\u093e\u092e 4 \u092c\u091c\u0947 \u0924\u0915 \u090f\u0915 \u092a\u093f\u0924\u093e \u092c\u0928\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u0924\u0948\u092f\u093e\u0930 \u0930\u0939\u0947\u0902\u0964&#8221; <em>&#8211; \u092e\u093e\u0907\u0915\u0932 \u0936\u092e\u0941\u091f\u094d\u091c\u093c, 39, \u092e\u093e\u0930\u094d\u0915\u0947\u091f\u093f\u0902\u0917 \u0915\u0902\u0938\u0932\u094d\u091f\u0947\u0902\u091f, \u0938\u0940\u0908\u0913, \u0914\u0930 \u0938\u093e\u0932\u094d\u091f \u0932\u0947\u0915 \u0938\u093f\u091f\u0940 \u092e\u0947\u0902 \u091a\u093e\u0930 \u0915\u0947 \u092a\u093f\u0924\u093e\u0964<\/em><\/p>\n<p>&#8220;\u092f\u0939 \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0924\u0947 \u0939\u0941\u090f \u0915\u093f \u092e\u0948\u0902 \u0905\u092a\u0928\u0947 \u0938\u092d\u0940 \u092c\u091a\u094d\u091a\u094b\u0902 \u0915\u0940 \u0918\u091f\u0928\u093e\u0913\u0902 \u0914\u0930 \u0928\u093f\u092f\u0941\u0915\u094d\u0924\u093f\u092f\u094b\u0902 \u0915\u094b \u092a\u094d\u0930\u093e\u092a\u094d\u0924 \u0915\u0930\u0924\u093e \u0939\u0942\u0902\u0964 \u0907\u0938\u0915\u0947 \u0932\u093f\u090f \u0926\u0947\u0930 \u0930\u093e\u0924 \u0914\u0930 \u0936\u0941\u0930\u0941\u0906\u0924\u0940 \u0938\u0941\u092c\u0939 \u0915\u0940 \u0906\u0935\u0936\u094d\u092f\u0915\u0924\u093e \u0939\u094b\u0924\u0940 \u0939\u0948\u0964&#8221; <em>&#8211; \u091c\u0947\u0938\u0928 \u0936\u093f\u0932\u093f\u0902\u0917, 41, \u090f\u0915 \u0938\u0940\u092a\u0940\u090f \u092b\u0930\u094d\u092e \u092e\u0947\u0902 \u0906\u0936\u094d\u0935\u093e\u0938\u0928 \u0938\u0947\u0935\u093e\u0913\u0902 \u0915\u0947 \u092a\u094d\u0930\u092e\u0941\u0916 \u0914\u0930 \u092e\u093f\u0928\u093f\u092f\u093e\u092a\u094b\u0932\u093f\u0938 \u092e\u0947\u0902 \u0926\u094b \u0915\u0947 \u092a\u093f\u0924\u093e\u0964<\/em><\/p>\n<p>&#8220;\u092e\u0948\u0902\u0928\u0947 \u0905\u092a\u0928\u093e \u0915\u0930\u093f\u092f\u0930 \u0905\u092a\u0928\u0947 \u092c\u091a\u094d\u091a\u094b\u0902 \u0915\u0947 \u0938\u093e\u0925 \u092c\u0947\u0939\u0924\u0930 \u0938\u0902\u0924\u0941\u0932\u0928 \u0915\u0947 \u0932\u093f\u090f \u0930\u0916\u093e\u0964 \u092e\u0948\u0902 10 \u0938\u093e\u0932 \u0915\u0947 \u0932\u093f\u090f \u090f\u0915 \u0936\u093f\u0915\u094d\u0937\u0915 \u0925\u093e, \u091c\u092c \u0926\u094b\u0928\u094b\u0902 \u0915\u0940 \u092e\u093e\u0902\u0917 \u092c\u0939\u0941\u0924 \u0905\u0927\u093f\u0915 \u0939\u094b \u0917\u0908 \u0925\u0940, \u0914\u0930 \u092e\u0948\u0902\u0928\u0947 \u090f\u0915 \u0910\u0938\u0940 \u0928\u094c\u0915\u0930\u0940 \u0916\u094b\u091c\u0928\u0947 \u0915\u0947 \u0932\u093f\u090f \u091a\u0941\u0928\u093e, \u091c\u093f\u0938\u0928\u0947 \u092e\u0941\u091d\u0947 \u0905\u092a\u0928\u0947 \u092c\u091a\u094d\u091a\u094b\u0902 \u0915\u0947 \u0935\u093f\u092a\u0930\u0940\u0924 \u0905\u092a\u0928\u0947 \u092c\u091a\u094d\u091a\u094b\u0902 \u092a\u0930 \u0927\u094d\u092f\u093e\u0928 \u0915\u0947\u0902\u0926\u094d\u0930\u093f\u0924 \u0915\u0930\u0928\u0947 \u0915\u0940 \u0905\u0928\u0941\u092e\u0924\u093f \u0926\u0940\u0964&#8221; <em>&#8211; \u092c\u0947\u0928 \u092e\u0948\u0915\u0915\u0947\u0928\u0940, 41, \u0906\u0908\u091f\u0940 \u092e\u0948\u0928\u0947\u091c\u0930 \u0914\u0930 \u0926\u094b \u0915\u0947 \u092a\u093f\u0924\u093e, \u0936\u093f\u0915\u093e\u0917\u094b \u092e\u0947\u0902\u0964<\/em><\/p>\n<h2 id=\"e8ebe9f1-99bd-4b5b-b1b7-e6e9afdc754c\" data-toc-id=\"e8ebe9f1-99bd-4b5b-b1b7-e6e9afdc754c\">\u0906\u092a \u0905\u092a\u0928\u0947 \u0938\u093e\u0925\u0940 \u0915\u0940 \u0926\u0947\u0916\u092d\u093e\u0932 \u0915\u0947 \u0932\u093f\u090f \u0915\u093f\u0924\u0928\u0947 \u092a\u094d\u0930\u0924\u093f\u0936\u0924 \u092a\u0947\u0930\u0947\u0902\u091f\u093f\u0902\u0917 \u091c\u093f\u092e\u094d\u092e\u0947\u0926\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u093e \u0927\u094d\u092f\u093e\u0928 \u0930\u0916\u0924\u0947 \u0939\u0948\u0902?<\/h2>\n<p>&#8220;\u0926\u0948\u0928\u093f\u0915 \u091c\u093f\u092e\u094d\u092e\u0947\u0926\u093e\u0930\u093f\u092f\u094b\u0902 \u0915\u093e \u0932\u0917\u092d\u0917 70-80%, \u0935\u093f\u0936\u0947\u0937 \u0930\u0942\u092a \u0938\u0947 \u0938\u092a\u094d\u0924\u093e\u0939 \u0915\u0947 \u0926\u093f\u0928\u094b\u0902 \u0915\u0947 \u0926\u094c\u0930\u093e\u0928\u0964 \u092e\u0947\u0930\u093e \u0938\u093e\u0925\u0940 \u0936\u093e\u092e \u0915\u094b \u0914\u0930 \u0938\u092a\u094d\u0924\u093e\u0939\u093e\u0902\u0924 \u092e\u0947\u0902 \u0905\u0927\u093f\u0915 \u0938\u092e\u0930\u094d\u0925\u0928 \u0915\u0930\u0924\u093e \u0939\u0948 \u091c\u092c \u0935\u0939 \u0915\u093e\u092e \u0928\u0939\u0940\u0902 \u0915\u0930 \u0930\u0939\u093e \u0939\u0948\u0964&#8221;<em> &#8211; \u0917\u093f\u0932\u092a\u093f\u0928<\/em><\/p>\n<p>&#8220;\u092e\u0948\u0902 \u0932\u0917\u092d\u0917 35% (\u0905\u092c \u0924\u0915 \u0935\u0939 \u0938\u094d\u0924\u0928\u092a\u093e\u0928 \u0915\u0930\u093e\u0924\u0940 \u0939\u0948 \u0914\u0930 \u0930\u093e\u0924 \u092e\u0947\u0902 \u0909\u0920\u0924\u0940 \u0939\u0948) \u0915\u0939\u0924\u0940 \u0939\u0942\u0902\u0964&#8221; &#8211; <em>\u0939\u0930\u0935\u093f\u0932<\/em><\/p>\n<p>&#8220;\u0939\u092e \u092c\u0939\u0941\u0924 \u0938\u092e\u093e\u0928 \u0930\u0942\u092a \u0938\u0947 \u0935\u093f\u092d\u093e\u091c\u093f\u0924 \u0939\u0948\u0902, \u092e\u0948\u0902 \u0915\u0939\u0942\u0902\u0917\u093e \u0915\u093f \u092e\u0948\u0902 40%\u092a\u0930 \u0939\u0942\u0902\u0964&#8221; <em>&#8211; \u0936\u092e\u0941\u091f\u094d\u091c\u093c<\/em><\/p>\n<p>&#8220;\u092e\u0947\u0930\u0947 \u092c\u091a\u094d\u091a\u0947 \u0939\u094b\u0928\u0947 \u092a\u0930 100% \u092e\u0941\u091d \u092a\u0930\u0964&#8221; &#8211;<em> \u0936\u093f\u0932\u093f\u0902\u0917, \u091c\u094b \u0939\u093f\u0930\u093e\u0938\u0924 \u0915\u0947 \u0938\u092e\u092f \u0915\u094b \u0935\u093f\u092d\u093e\u091c\u093f\u0924 \u0915\u0930\u0924\u093e \u0939\u0948\u0964<\/em><\/p>\n<p>&#8220;\u092e\u0948\u0902 \u0915\u0939\u0942\u0902\u0917\u093e \u0915\u093f \u092e\u0947\u0930\u0940 \u092a\u0924\u094d\u0928\u0940 \u0914\u0930 \u092e\u0948\u0902\u0928\u0947 \u0905\u092a\u0928\u0940 \u092a\u0924\u094d\u0928\u0940 \u0915\u0947 \u092a\u0915\u094d\u0937 \u092e\u0947\u0902 65\/35 \u0914\u0930 55\/45 \u0915\u0947 \u092c\u0940\u091a \u091c\u093f\u092e\u094d\u092e\u0947\u0926\u093e\u0930\u0940 \u0915\u094b \u0935\u093f\u092d\u093e\u091c\u093f\u0924 \u0915\u093f\u092f\u093e\u0964 \u092e\u0948\u0902 \u092c\u0939\u0941\u0924 \u0938\u093e\u0930\u0947 \u0918\u0930\u0947\u0932\u0942 \u0915\u093e\u092e \u0915\u0930\u0924\u093e \u0939\u0942\u0902, \u0932\u0947\u0915\u093f\u0928 \u0935\u0939 \u0938\u092c \u0915\u0941\u091b \u0915\u0940 \u092f\u094b\u091c\u0928\u093e \u092c\u0928\u093e \u0930\u0939\u0940 \u0939\u0948 \u0914\u0930 \u0938\u093e\u0925 \u0939\u0940 \u0938\u093e\u0925 \u0935\u093f\u0924\u094d\u0924 \u0915\u0947 \u0938\u093e\u0925 \u0930\u0916\u0924\u0940 \u0939\u0948\u0964&#8221; <em>&#8211; \u092e\u0948\u0915\u0915\u0947\u0938\u0928\u0940<\/em><\/p>\n<h2 id=\"7cfe444c-2461-46fa-b07b-f09ae1d0e371\" data-toc-id=\"7cfe444c-2461-46fa-b07b-f09ae1d0e371\">\u0915\u094d\u092f\u093e \u0906\u092a\u0915\u094b \u0910\u0938\u093e \u0932\u0917\u0924\u093e \u0939\u0948 \u0915\u093f \u0906\u092a\u0915\u093e \u0928\u093f\u092f\u094b\u0915\u094d\u0924\u093e \u0906\u092a\u0915\u094b \u0909\u0938 \u092a\u094d\u0930\u0915\u093e\u0930 \u0915\u0947 \u092e\u093e\u0924\u093e -\u092a\u093f\u0924\u093e \u0915\u0947 \u0930\u0942\u092a \u092e\u0947\u0902 \u0932\u091a\u0940\u0932\u093e\u092a\u0928 \u0926\u0947\u0924\u093e \u0939\u0948 \u091c\u094b \u0906\u092a \u092c\u0928\u0928\u093e \u091a\u093e\u0939\u0924\u0947 \u0939\u0948\u0902?<\/h2>\n<p>&#8220;\u092e\u0948\u0902 \u0935\u0930\u094d\u0924\u092e\u093e\u0928 \u092e\u0947\u0902 \u092c\u0947\u0930\u094b\u091c\u0917\u093e\u0930 \u0939\u0942\u0902 \u0914\u0930 \u0905\u092a\u0928\u093e \u0916\u0941\u0926 \u0915\u093e \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u092c\u0928\u093e \u0930\u0939\u093e \u0939\u0942\u0902, \u091c\u094b \u092e\u0941\u091d\u0947 \u0932\u091a\u0940\u0932\u093e\u092a\u0928 \u0926\u0947\u0924\u093e \u0939\u0948 &#8211; \u0932\u0947\u0915\u093f\u0928 \u0907\u0938\u0915\u093e \u092e\u0924\u0932\u092c \u092f\u0939 \u092d\u0940 \u0939\u0948 \u0915\u093f \u0915\u094b\u0908 \u0914\u092a\u091a\u093e\u0930\u093f\u0915 \u0938\u092e\u0930\u094d\u0925\u0928 \u0928\u0939\u0940\u0902 \u0939\u0948, \u0915\u094b\u0908 \u092d\u0941\u0917\u0924\u093e\u0928 \u0928\u0939\u0940\u0902 \u0915\u093f\u092f\u093e \u0917\u092f\u093e \u0939\u0948, \u0914\u0930 \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u092a\u0930 \u0915\u093e\u092e \u0915\u0930\u0928\u0947 \u0914\u0930 \u092c\u091a\u094d\u091a\u094b\u0902 \u0915\u0940 \u0926\u0947\u0916\u092d\u093e\u0932 \u0915\u0930\u0928\u0947 \u0915\u0947 \u092c\u0940\u091a \u0928\u093f\u0930\u0902\u0924\u0930 \u0924\u0928\u093e\u0935 \u0939\u0948\u0964&#8221; <em>-\u0917\u093f\u0932\u092a\u093f\u0928, \u091c\u094b \u0905\u092a\u0928\u0947 \u092c\u091a\u094d\u091a\u094b\u0902 \u0915\u0947 \u0938\u093e\u0925 \u0938\u092a\u094d\u0924\u093e\u0939 \u092e\u0947\u0902 \u0932\u0917\u092d\u0917 60-70 \u0918\u0902\u091f\u0947 \u092c\u093f\u0924\u093e\u0924\u093e \u0939\u0948\u0964<\/em><\/p>\n<figure xmlns:default=\"http:\/\/www.w3.org\/2000\/svg\" class=\"figure image-figure-image   \" data-type=\"img\" data-e2e-name=\"image-figure-image\" data-media-container=\"image\" itemscope=\"\" itemtype=\"https:\/\/schema.org\/ImageObject\">\n<div class=\"lazy-holder \" style=\"padding-top: calc(100% * 3088 \/ 2316)\">\n<p>              <meta itemprop=\"contentUrl\" content=\"https:\/\/i.insider.com\/68715e5485e81483682de41d\"\/><br \/>\n              <default:img xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"lazy-image \" encoding=\"UTF-8\" width=\"1\" height=\"1\" data-content-type=\"image\/jpeg\" srcs=\"{&quot;https:\/\/i.insider.com\/68715e5485e81483682de41d&quot;:{&quot;contentType&quot;:&quot;image\/jpeg&quot;,&quot;aspectRatioW&quot;:2316,&quot;aspectRatioH&quot;:3088}}\" alt=\"Joshua Harville and daughter\"\/>\n            <\/div>\n<p>              <span class=\"image-source-caption \"><figcaption class=\"image-caption headline-semibold\" data-e2e-name=\"image-caption\">\n<p>                      \u091c\u094b\u0936\u0941\u0906 \u0939\u0930\u0935\u093f\u0932\u0947 \u0914\u0930 \u0909\u0928\u0915\u0940 \u092c\u0947\u091f\u0940 \u090f\u0915 \u0932\u093f\u0938\u094d\u091f\u093f\u0902\u0917 \u092e\u0947\u0902<\/p>\n<p>              <span class=\"image-source headline-regular\" data-e2e-name=\"image-source\" itemprop=\"creditText\"><\/p>\n<p>              \u091c\u094b\u0936\u0941\u0906 \u0939\u0930\u0935\u093f\u0932<\/p>\n<p>              <\/span><br \/>\n                    <\/figcaption><\/span><br \/>\n              <\/figure>\n<p>&#8220;\u092e\u0947\u0930\u0947 \u0928\u093f\u092f\u094b\u0915\u094d\u0924\u093e \u0915\u0947 \u092a\u093e\u0938 \u0915\u094b\u0908 \u0935\u093f\u0915\u0932\u094d\u092a \u0928\u0939\u0940\u0902 \u0939\u0948 &#8211; \u092e\u0948\u0902 \u0905\u092a\u0928\u093e \u0928\u093f\u092f\u094b\u0915\u094d\u0924\u093e \u0939\u0942\u0902\u0964&#8221; <em>&#8211; \u0939\u0930\u0935\u093f\u0932, \u091c\u094b \u0915\u0939\u0924\u093e \u0939\u0948 \u0915\u093f \u0935\u0939 \u0938\u092a\u094d\u0924\u093e\u0939 \u092e\u0947\u0902 \u0915\u092e \u0938\u0947 \u0915\u092e 54 \u0918\u0902\u091f\u0947 \u0905\u092a\u0928\u0947 \u091b\u094b\u091f\u0947 \u0938\u0947 \u090f\u0915 \u0915\u0947 \u0938\u093e\u0925 \u092c\u093f\u0924\u093e\u0924\u093e \u0939\u0948\u0964<\/em><\/p>\n<p>&#8220;\u091a\u0942\u0902\u0915\u093f \u092e\u0948\u0902 \u0938\u094d\u0935-\u0928\u093f\u092f\u094b\u091c\u093f\u0924 \u0939\u0942\u0902, \u0907\u0938\u0932\u093f\u090f \u0907\u0938\u0947 \u0938\u0902\u0924\u0941\u0932\u093f\u0924 \u0915\u0930\u0928\u093e \u0915\u0920\u093f\u0928 \u0939\u0948\u0964 \u092e\u0947\u0930\u0947 \u0917\u094d\u0930\u093e\u0939\u0915 \u0915\u093f\u0938\u0940 \u092d\u0940 \u0938\u092e\u092f \u092e\u0941\u091d\u0938\u0947 \u0938\u0902\u092a\u0930\u094d\u0915 \u0915\u0930 \u0938\u0915\u0924\u0947 \u0939\u0948\u0902, \u0914\u0930 \u092e\u0941\u091d\u0947 \u0909\u0928\u0915\u0940 \u092e\u0926\u0926 \u0915\u0930\u0928\u0947 \u092e\u0947\u0902 \u0938\u0915\u094d\u0937\u092e \u0939\u094b\u0928\u093e \u091a\u093e\u0939\u093f\u090f\u0964 \u0932\u091a\u0940\u0932\u093e\u092a\u0928 \u0905\u092d\u0940 \u090f\u0915 \u0935\u093f\u0915\u0932\u094d\u092a \u0928\u0939\u0940\u0902 \u0939\u0948\u0964&#8221; <em>-\u0936\u092e\u0941\u091f\u094d\u091c\u093c, \u091c\u094b \u0905\u0928\u0941\u092e\u093e\u0928 \u0932\u0917\u093e\u0924\u093e \u0939\u0948 \u0915\u093f \u0935\u0939 \u0905\u092a\u0928\u0947 \u092c\u091a\u094d\u091a\u094b\u0902 \u0915\u0947 \u0938\u093e\u0925 \u0938\u092a\u094d\u0924\u093e\u0939 \u092e\u0947\u0902 \u0932\u0917\u092d\u0917 50-60 \u0918\u0902\u091f\u0947 \u092c\u093f\u0924\u093e\u0924\u093e \u0939\u0948\u0964<\/em><\/p>\n<p>&#8220;\u092e\u0948\u0902\u0928\u0947 \u0905\u092a\u0928\u0947 \u0928\u093f\u092f\u094b\u0915\u094d\u0924\u093e \u0938\u0947 \u0915\u0939\u093e, &#8216;\u0905\u0930\u0947, \u092e\u0948\u0902 \u092a\u0939\u0932\u0947 \u090f\u0915 \u092a\u093f\u0924\u093e \u0939\u0942\u0902, \u092e\u0948\u0902 \u092f\u0939 \u0938\u0941\u0928\u093f\u0936\u094d\u091a\u093f\u0924 \u0915\u0930\u0928\u093e \u091a\u093e\u0939\u0924\u093e \u0939\u0942\u0902 \u0915\u093f \u092e\u0948\u0902 \u0905\u092a\u0928\u0947 \u092c\u091a\u094d\u091a\u094b\u0902 \u0915\u0940 \u0928\u093f\u092f\u0941\u0915\u094d\u0924\u093f\u092f\u094b\u0902 \u0914\u0930 \u0905\u092a\u0928\u0947 \u092c\u091a\u094d\u091a\u094b\u0902 \u0915\u0947 \u0916\u0947\u0932 \u092e\u0947\u0902 \u091c\u093e \u0938\u0915\u0942\u0902\u0964&#8217; \u092e\u0948\u0902 \u0907\u0938 \u0938\u0940\u091c\u0928 \u092e\u0947\u0902 \u0905\u092a\u0928\u0940 \u092c\u0947\u091f\u0940 \u0915\u0940 \u092c\u093e\u0938\u094d\u0915\u0947\u091f\u092c\u0949\u0932 \u091f\u0940\u092e \u0915\u0947 \u0915\u094b\u091a \u0925\u093e\u0964 &#8221; <em>&#8211; \u0936\u093f\u0932\u093f\u0902\u0917, \u091c\u094b \u092a\u094d\u0930\u0924\u094d\u092f\u0947\u0915 \u0938\u092a\u094d\u0924\u093e\u0939 \u0905\u092a\u0928\u0947 2 \u092c\u091a\u094d\u091a\u094b\u0902 \u0915\u0947 \u0938\u093e\u0925 \u0915\u092e \u0938\u0947 \u0915\u092e 25 \u0918\u0902\u091f\u0947 \u092c\u093f\u0924\u093e\u0924\u093e \u0939\u0948\u0964<\/em><\/p>\n<figure xmlns:default=\"http:\/\/www.w3.org\/2000\/svg\" class=\"figure image-figure-image   \" data-type=\"img\" data-e2e-name=\"image-figure-image\" data-media-container=\"image\" itemscope=\"\" itemtype=\"https:\/\/schema.org\/ImageObject\">\n<div class=\"lazy-holder \" style=\"padding-top: calc(100% * 1624 \/ 1159)\">\n<p>              <meta itemprop=\"contentUrl\" content=\"https:\/\/i.insider.com\/68714bfbf748d8c055f579ed\"\/><br \/>\n              <default:img xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"lazy-image \" encoding=\"UTF-8\" width=\"1\" height=\"1\" data-content-type=\"image\/jpeg\" 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\u0915\u0947 \u0932\u093f\u090f \u092a\u094d\u0930\u0935\u0943\u0924\u094d\u0924 \u0925\u093e, \u091c\u093f\u0938\u092e\u0947\u0902 \u0938\u0940\u092e\u093f\u0924 \u092f\u094b\u0917\u094d\u092f \u0935\u093f\u0915\u0932\u094d\u092a\u094b\u0902 \u0915\u0947 \u0915\u093e\u0930\u0923 \u092e\u0947\u0930\u0940 \u0905\u0928\u0941\u092a\u0938\u094d\u0925\u093f\u0924\u093f \u0915\u094b \u0938\u092e\u093e\u092f\u094b\u091c\u093f\u0924 \u0915\u0930\u0928\u093e \u092e\u0941\u0936\u094d\u0915\u093f\u0932 \u0925\u093e\u0964&#8221; <em>-\u092e\u0948\u0915\u0915\u0947\u0928\u0940, \u091c\u094b \u0905\u092a\u0928\u0947 \u092c\u091a\u094d\u091a\u094b\u0902 \u0915\u0947 \u0938\u093e\u0925 \u0938\u092a\u094d\u0924\u093e\u0939 \u092e\u0947\u0902 \u0932\u0917\u092d\u0917 40-50 \u0918\u0902\u091f\u0947 \u092c\u093f\u0924\u093e\u0924\u0947 \u0939\u0948\u0902\u0964<\/em><\/p>\n<\/p><\/div>\n<p><script>window.allScripts = window.allScripts || (); window.allScripts.push({ type: \"gdpr\", script: 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