<html xmlns:v="urn:schemas-microsoft-com:vml" xmlns:o="urn:schemas-microsoft-com:office:office" xmlns:w="urn:schemas-microsoft-com:office:word" xmlns:dt="uuid:C2F41010-65B3-11d1-A29F-00AA00C14882" xmlns:m="http://schemas.microsoft.com/office/2004/12/omml" xmlns="http://www.w3.org/TR/REC-html40">
<head>
<meta name="Microsoft Theme 2.00" content="Watermar 011">
<meta http-equiv=Content-Type content="text/html; charset=us-ascii">
<meta name=ProgId content=Word.Document>
<meta name=Generator content="Microsoft Word 12">
<meta name=Originator content="Microsoft Word 12">
<link rel=File-List href="cid:filelist.xml@01CB557F.CDB9E230">
<!--[if gte mso 9]><xml>
<o:OfficeDocumentSettings>
<o:AllowPNG/>
<o:DoNotRelyOnCSS/>
<o:TargetScreenSize>1024x768</o:TargetScreenSize>
</o:OfficeDocumentSettings>
</xml><![endif]--><!--[if gte mso 9]><xml>
<w:WordDocument>
<w:SpellingState>Clean</w:SpellingState>
<w:TrackMoves/>
<w:TrackFormatting/>
<w:EnvelopeVis/>
<w:PunctuationKerning/>
<w:DefaultTableStyle Number="155">Table Theme</w:DefaultTableStyle>
<w:ValidateAgainstSchemas/>
<w:SaveIfXMLInvalid>false</w:SaveIfXMLInvalid>
<w:IgnoreMixedContent>false</w:IgnoreMixedContent>
<w:AlwaysShowPlaceholderText>false</w:AlwaysShowPlaceholderText>
<w:DoNotPromoteQF/>
<w:LidThemeOther>EN-US</w:LidThemeOther>
<w:LidThemeAsian>X-NONE</w:LidThemeAsian>
<w:LidThemeComplexScript>X-NONE</w:LidThemeComplexScript>
<w:Compatibility>
<w:DoNotExpandShiftReturn/>
<w:BreakWrappedTables/>
<w:SnapToGridInCell/>
<w:WrapTextWithPunct/>
<w:UseAsianBreakRules/>
<w:DontGrowAutofit/>
<w:SplitPgBreakAndParaMark/>
</w:Compatibility>
<w:BrowserLevel>MicrosoftInternetExplorer4</w:BrowserLevel>
<m:mathPr>
<m:mathFont m:val="Cambria Math"/>
<m:brkBin m:val="before"/>
<m:brkBinSub m:val="--"/>
<m:smallFrac m:val="off"/>
<m:dispDef/>
<m:lMargin m:val="0"/>
<m:rMargin m:val="0"/>
<m:defJc m:val="centerGroup"/>
<m:wrapIndent m:val="1440"/>
<m:intLim m:val="subSup"/>
<m:naryLim m:val="undOvr"/>
</m:mathPr></w:WordDocument>
</xml><![endif]--><!--[if gte mso 9]><xml>
<w:LatentStyles DefLockedState="false" DefUnhideWhenUsed="true"
DefSemiHidden="true" DefQFormat="false" DefPriority="99"
LatentStyleCount="267">
<w:LsdException Locked="false" Priority="0" SemiHidden="false"
UnhideWhenUsed="false" QFormat="true" Name="Normal"/>
<w:LsdException Locked="false" Priority="9" SemiHidden="false"
UnhideWhenUsed="false" QFormat="true" Name="heading 1"/>
<w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 2"/>
<w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 3"/>
<w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 4"/>
<w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 5"/>
<w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 6"/>
<w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 7"/>
<w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 8"/>
<w:LsdException Locked="false" Priority="9" QFormat="true" Name="heading 9"/>
<w:LsdException Locked="false" Priority="39" Name="toc 1"/>
<w:LsdException Locked="false" Priority="39" Name="toc 2"/>
<w:LsdException Locked="false" Priority="39" Name="toc 3"/>
<w:LsdException Locked="false" Priority="39" Name="toc 4"/>
<w:LsdException Locked="false" Priority="39" Name="toc 5"/>
<w:LsdException Locked="false" Priority="39" Name="toc 6"/>
<w:LsdException Locked="false" Priority="39" Name="toc 7"/>
<w:LsdException Locked="false" Priority="39" Name="toc 8"/>
<w:LsdException Locked="false" Priority="39" Name="toc 9"/>
<w:LsdException Locked="false" Priority="35" QFormat="true" Name="caption"/>
<w:LsdException Locked="false" Priority="10" SemiHidden="false"
UnhideWhenUsed="false" QFormat="true" Name="Title"/>
<w:LsdException Locked="false" Priority="1" Name="Default Paragraph Font"/>
<w:LsdException Locked="false" Priority="11" SemiHidden="false"
UnhideWhenUsed="false" QFormat="true" Name="Subtitle"/>
<w:LsdException Locked="false" Priority="22" SemiHidden="false"
UnhideWhenUsed="false" QFormat="true" Name="Strong"/>
<w:LsdException Locked="false" Priority="20" SemiHidden="false"
UnhideWhenUsed="false" QFormat="true" Name="Emphasis"/>
<w:LsdException Locked="false" Priority="59" SemiHidden="false"
UnhideWhenUsed="false" Name="Table Grid"/>
<w:LsdException Locked="false" UnhideWhenUsed="false" Name="Placeholder Text"/>
<w:LsdException Locked="false" Priority="1" SemiHidden="false"
UnhideWhenUsed="false" QFormat="true" Name="No Spacing"/>
<w:LsdException Locked="false" Priority="60" SemiHidden="false"
UnhideWhenUsed="false" Name="Light Shading"/>
<w:LsdException Locked="false" Priority="61" SemiHidden="false"
UnhideWhenUsed="false" Name="Light List"/>
<w:LsdException Locked="false" Priority="62" SemiHidden="false"
UnhideWhenUsed="false" Name="Light Grid"/>
<w:LsdException Locked="false" Priority="63" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Shading 1"/>
<w:LsdException Locked="false" Priority="64" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Shading 2"/>
<w:LsdException Locked="false" Priority="65" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium List 1"/>
<w:LsdException Locked="false" Priority="66" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium List 2"/>
<w:LsdException Locked="false" Priority="67" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 1"/>
<w:LsdException Locked="false" Priority="68" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 2"/>
<w:LsdException Locked="false" Priority="69" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 3"/>
<w:LsdException Locked="false" Priority="70" SemiHidden="false"
UnhideWhenUsed="false" Name="Dark List"/>
<w:LsdException Locked="false" Priority="71" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful Shading"/>
<w:LsdException Locked="false" Priority="72" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful List"/>
<w:LsdException Locked="false" Priority="73" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful Grid"/>
<w:LsdException Locked="false" Priority="60" SemiHidden="false"
UnhideWhenUsed="false" Name="Light Shading Accent 1"/>
<w:LsdException Locked="false" Priority="61" SemiHidden="false"
UnhideWhenUsed="false" Name="Light List Accent 1"/>
<w:LsdException Locked="false" Priority="62" SemiHidden="false"
UnhideWhenUsed="false" Name="Light Grid Accent 1"/>
<w:LsdException Locked="false" Priority="63" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Shading 1 Accent 1"/>
<w:LsdException Locked="false" Priority="64" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Shading 2 Accent 1"/>
<w:LsdException Locked="false" Priority="65" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium List 1 Accent 1"/>
<w:LsdException Locked="false" UnhideWhenUsed="false" Name="Revision"/>
<w:LsdException Locked="false" Priority="34" SemiHidden="false"
UnhideWhenUsed="false" QFormat="true" Name="List Paragraph"/>
<w:LsdException Locked="false" Priority="29" SemiHidden="false"
UnhideWhenUsed="false" QFormat="true" Name="Quote"/>
<w:LsdException Locked="false" Priority="30" SemiHidden="false"
UnhideWhenUsed="false" QFormat="true" Name="Intense Quote"/>
<w:LsdException Locked="false" Priority="66" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium List 2 Accent 1"/>
<w:LsdException Locked="false" Priority="67" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 1 Accent 1"/>
<w:LsdException Locked="false" Priority="68" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 2 Accent 1"/>
<w:LsdException Locked="false" Priority="69" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 3 Accent 1"/>
<w:LsdException Locked="false" Priority="70" SemiHidden="false"
UnhideWhenUsed="false" Name="Dark List Accent 1"/>
<w:LsdException Locked="false" Priority="71" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful Shading Accent 1"/>
<w:LsdException Locked="false" Priority="72" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful List Accent 1"/>
<w:LsdException Locked="false" Priority="73" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful Grid Accent 1"/>
<w:LsdException Locked="false" Priority="60" SemiHidden="false"
UnhideWhenUsed="false" Name="Light Shading Accent 2"/>
<w:LsdException Locked="false" Priority="61" SemiHidden="false"
UnhideWhenUsed="false" Name="Light List Accent 2"/>
<w:LsdException Locked="false" Priority="62" SemiHidden="false"
UnhideWhenUsed="false" Name="Light Grid Accent 2"/>
<w:LsdException Locked="false" Priority="63" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Shading 1 Accent 2"/>
<w:LsdException Locked="false" Priority="64" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Shading 2 Accent 2"/>
<w:LsdException Locked="false" Priority="65" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium List 1 Accent 2"/>
<w:LsdException Locked="false" Priority="66" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium List 2 Accent 2"/>
<w:LsdException Locked="false" Priority="67" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 1 Accent 2"/>
<w:LsdException Locked="false" Priority="68" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 2 Accent 2"/>
<w:LsdException Locked="false" Priority="69" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 3 Accent 2"/>
<w:LsdException Locked="false" Priority="70" SemiHidden="false"
UnhideWhenUsed="false" Name="Dark List Accent 2"/>
<w:LsdException Locked="false" Priority="71" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful Shading Accent 2"/>
<w:LsdException Locked="false" Priority="72" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful List Accent 2"/>
<w:LsdException Locked="false" Priority="73" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful Grid Accent 2"/>
<w:LsdException Locked="false" Priority="60" SemiHidden="false"
UnhideWhenUsed="false" Name="Light Shading Accent 3"/>
<w:LsdException Locked="false" Priority="61" SemiHidden="false"
UnhideWhenUsed="false" Name="Light List Accent 3"/>
<w:LsdException Locked="false" Priority="62" SemiHidden="false"
UnhideWhenUsed="false" Name="Light Grid Accent 3"/>
<w:LsdException Locked="false" Priority="63" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Shading 1 Accent 3"/>
<w:LsdException Locked="false" Priority="64" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Shading 2 Accent 3"/>
<w:LsdException Locked="false" Priority="65" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium List 1 Accent 3"/>
<w:LsdException Locked="false" Priority="66" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium List 2 Accent 3"/>
<w:LsdException Locked="false" Priority="67" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 1 Accent 3"/>
<w:LsdException Locked="false" Priority="68" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 2 Accent 3"/>
<w:LsdException Locked="false" Priority="69" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 3 Accent 3"/>
<w:LsdException Locked="false" Priority="70" SemiHidden="false"
UnhideWhenUsed="false" Name="Dark List Accent 3"/>
<w:LsdException Locked="false" Priority="71" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful Shading Accent 3"/>
<w:LsdException Locked="false" Priority="72" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful List Accent 3"/>
<w:LsdException Locked="false" Priority="73" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful Grid Accent 3"/>
<w:LsdException Locked="false" Priority="60" SemiHidden="false"
UnhideWhenUsed="false" Name="Light Shading Accent 4"/>
<w:LsdException Locked="false" Priority="61" SemiHidden="false"
UnhideWhenUsed="false" Name="Light List Accent 4"/>
<w:LsdException Locked="false" Priority="62" SemiHidden="false"
UnhideWhenUsed="false" Name="Light Grid Accent 4"/>
<w:LsdException Locked="false" Priority="63" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Shading 1 Accent 4"/>
<w:LsdException Locked="false" Priority="64" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Shading 2 Accent 4"/>
<w:LsdException Locked="false" Priority="65" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium List 1 Accent 4"/>
<w:LsdException Locked="false" Priority="66" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium List 2 Accent 4"/>
<w:LsdException Locked="false" Priority="67" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 1 Accent 4"/>
<w:LsdException Locked="false" Priority="68" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 2 Accent 4"/>
<w:LsdException Locked="false" Priority="69" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 3 Accent 4"/>
<w:LsdException Locked="false" Priority="70" SemiHidden="false"
UnhideWhenUsed="false" Name="Dark List Accent 4"/>
<w:LsdException Locked="false" Priority="71" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful Shading Accent 4"/>
<w:LsdException Locked="false" Priority="72" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful List Accent 4"/>
<w:LsdException Locked="false" Priority="73" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful Grid Accent 4"/>
<w:LsdException Locked="false" Priority="60" SemiHidden="false"
UnhideWhenUsed="false" Name="Light Shading Accent 5"/>
<w:LsdException Locked="false" Priority="61" SemiHidden="false"
UnhideWhenUsed="false" Name="Light List Accent 5"/>
<w:LsdException Locked="false" Priority="62" SemiHidden="false"
UnhideWhenUsed="false" Name="Light Grid Accent 5"/>
<w:LsdException Locked="false" Priority="63" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Shading 1 Accent 5"/>
<w:LsdException Locked="false" Priority="64" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Shading 2 Accent 5"/>
<w:LsdException Locked="false" Priority="65" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium List 1 Accent 5"/>
<w:LsdException Locked="false" Priority="66" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium List 2 Accent 5"/>
<w:LsdException Locked="false" Priority="67" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 1 Accent 5"/>
<w:LsdException Locked="false" Priority="68" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 2 Accent 5"/>
<w:LsdException Locked="false" Priority="69" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 3 Accent 5"/>
<w:LsdException Locked="false" Priority="70" SemiHidden="false"
UnhideWhenUsed="false" Name="Dark List Accent 5"/>
<w:LsdException Locked="false" Priority="71" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful Shading Accent 5"/>
<w:LsdException Locked="false" Priority="72" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful List Accent 5"/>
<w:LsdException Locked="false" Priority="73" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful Grid Accent 5"/>
<w:LsdException Locked="false" Priority="60" SemiHidden="false"
UnhideWhenUsed="false" Name="Light Shading Accent 6"/>
<w:LsdException Locked="false" Priority="61" SemiHidden="false"
UnhideWhenUsed="false" Name="Light List Accent 6"/>
<w:LsdException Locked="false" Priority="62" SemiHidden="false"
UnhideWhenUsed="false" Name="Light Grid Accent 6"/>
<w:LsdException Locked="false" Priority="63" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Shading 1 Accent 6"/>
<w:LsdException Locked="false" Priority="64" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Shading 2 Accent 6"/>
<w:LsdException Locked="false" Priority="65" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium List 1 Accent 6"/>
<w:LsdException Locked="false" Priority="66" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium List 2 Accent 6"/>
<w:LsdException Locked="false" Priority="67" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 1 Accent 6"/>
<w:LsdException Locked="false" Priority="68" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 2 Accent 6"/>
<w:LsdException Locked="false" Priority="69" SemiHidden="false"
UnhideWhenUsed="false" Name="Medium Grid 3 Accent 6"/>
<w:LsdException Locked="false" Priority="70" SemiHidden="false"
UnhideWhenUsed="false" Name="Dark List Accent 6"/>
<w:LsdException Locked="false" Priority="71" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful Shading Accent 6"/>
<w:LsdException Locked="false" Priority="72" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful List Accent 6"/>
<w:LsdException Locked="false" Priority="73" SemiHidden="false"
UnhideWhenUsed="false" Name="Colorful Grid Accent 6"/>
<w:LsdException Locked="false" Priority="19" SemiHidden="false"
UnhideWhenUsed="false" QFormat="true" Name="Subtle Emphasis"/>
<w:LsdException Locked="false" Priority="21" SemiHidden="false"
UnhideWhenUsed="false" QFormat="true" Name="Intense Emphasis"/>
<w:LsdException Locked="false" Priority="31" SemiHidden="false"
UnhideWhenUsed="false" QFormat="true" Name="Subtle Reference"/>
<w:LsdException Locked="false" Priority="32" SemiHidden="false"
UnhideWhenUsed="false" QFormat="true" Name="Intense Reference"/>
<w:LsdException Locked="false" Priority="33" SemiHidden="false"
UnhideWhenUsed="false" QFormat="true" Name="Book Title"/>
<w:LsdException Locked="false" Priority="37" Name="Bibliography"/>
<w:LsdException Locked="false" Priority="39" QFormat="true" Name="TOC Heading"/>
</w:LatentStyles>
</xml><![endif]-->
<style>
<!--
/* Font Definitions */
@font-face
{font-family:Calibri;
panose-1:2 15 5 2 2 2 4 3 2 4;
mso-font-charset:0;
mso-generic-font-family:swiss;
mso-font-pitch:variable;
mso-font-signature:-1610611985 1073750139 0 0 159 0;}
@font-face
{font-family:Tahoma;
panose-1:2 11 6 4 3 5 4 4 2 4;
mso-font-charset:0;
mso-generic-font-family:swiss;
mso-font-pitch:variable;
mso-font-signature:1627400839 -2147483648 8 0 66047 0;}
@font-face
{font-family:"Lucida Sans";
panose-1:2 11 6 2 3 5 4 2 2 4;
mso-font-charset:0;
mso-generic-font-family:swiss;
mso-font-pitch:variable;
mso-font-signature:3 0 0 0 1 0;}
@font-face
{font-family:Georgia;
panose-1:2 4 5 2 5 4 5 2 3 3;
mso-font-charset:0;
mso-generic-font-family:roman;
mso-font-pitch:variable;
mso-font-signature:647 0 0 0 159 0;}
/* Style Definitions */
p.MsoNormal, li.MsoNormal, div.MsoNormal
{mso-style-unhide:no;
mso-style-qformat:yes;
mso-style-parent:"";
margin:0in;
margin-bottom:.0001pt;
mso-pagination:widow-orphan;
font-size:12.0pt;
font-family:"Arial","sans-serif";
mso-fareast-font-family:Calibri;
color:black;}
h1
{mso-style-priority:9;
mso-style-unhide:no;
mso-style-qformat:yes;
mso-style-link:"Heading 1 Char";
mso-style-next:Normal;
margin-top:24.0pt;
margin-right:0in;
margin-bottom:0in;
margin-left:0in;
margin-bottom:.0001pt;
mso-pagination:widow-orphan lines-together;
page-break-after:avoid;
mso-outline-level:1;
font-size:16.0pt;
font-family:"Arial","sans-serif";
mso-fareast-font-family:"Times New Roman";
color:black;
mso-font-kerning:0pt;}
h2
{mso-style-noshow:yes;
mso-style-priority:9;
mso-style-qformat:yes;
mso-style-link:"Heading 2 Char";
mso-style-next:Normal;
margin-top:10.0pt;
margin-right:0in;
margin-bottom:0in;
margin-left:0in;
margin-bottom:.0001pt;
mso-pagination:widow-orphan lines-together;
page-break-after:avoid;
mso-outline-level:2;
font-size:14.0pt;
font-family:"Arial","sans-serif";
mso-fareast-font-family:"Times New Roman";
color:black;
font-weight:normal;}
h3
{mso-style-noshow:yes;
mso-style-priority:9;
mso-style-qformat:yes;
mso-style-link:"Heading 3 Char";
mso-style-next:Normal;
margin-top:10.0pt;
margin-right:0in;
margin-bottom:0in;
margin-left:0in;
margin-bottom:.0001pt;
mso-pagination:widow-orphan lines-together;
page-break-after:avoid;
mso-outline-level:3;
font-size:13.0pt;
font-family:"Arial","sans-serif";
mso-fareast-font-family:"Times New Roman";
color:black;
font-weight:normal;}
h4
{mso-style-noshow:yes;
mso-style-priority:9;
mso-style-qformat:yes;
mso-style-link:"Heading 4 Char";
mso-style-next:Normal;
margin-top:10.0pt;
margin-right:0in;
margin-bottom:0in;
margin-left:0in;
margin-bottom:.0001pt;
mso-pagination:widow-orphan lines-together;
page-break-after:avoid;
mso-outline-level:4;
font-size:14.0pt;
font-family:"Arial","sans-serif";
mso-fareast-font-family:"Times New Roman";
color:black;
font-weight:normal;}
h5
{mso-style-noshow:yes;
mso-style-priority:9;
mso-style-qformat:yes;
mso-style-link:"Heading 5 Char";
mso-style-next:Normal;
margin-top:10.0pt;
margin-right:0in;
margin-bottom:0in;
margin-left:0in;
margin-bottom:.0001pt;
mso-pagination:widow-orphan lines-together;
page-break-after:avoid;
mso-outline-level:5;
font-size:13.0pt;
font-family:"Arial","sans-serif";
mso-fareast-font-family:"Times New Roman";
color:black;
font-weight:normal;}
h6
{mso-style-noshow:yes;
mso-style-priority:9;
mso-style-qformat:yes;
mso-style-link:"Heading 6 Char";
mso-style-next:Normal;
margin-top:10.0pt;
margin-right:0in;
margin-bottom:0in;
margin-left:0in;
margin-bottom:.0001pt;
mso-pagination:widow-orphan lines-together;
page-break-after:avoid;
mso-outline-level:6;
font-size:11.0pt;
font-family:"Arial","sans-serif";
mso-fareast-font-family:"Times New Roman";
color:black;
font-weight:normal;}
a:link, span.MsoHyperlink
{mso-style-noshow:yes;
mso-style-priority:99;
color:#3333CC;
text-decoration:underline;
text-underline:single;}
a:visited, span.MsoHyperlinkFollowed
{mso-style-noshow:yes;
mso-style-priority:99;
color:#999999;
text-decoration:underline;
text-underline:single;}
p.MsoAcetate, li.MsoAcetate, div.MsoAcetate
{mso-style-noshow:yes;
mso-style-priority:99;
mso-style-link:"Balloon Text Char";
margin:0in;
margin-bottom:.0001pt;
mso-pagination:widow-orphan;
font-size:8.0pt;
font-family:"Tahoma","sans-serif";
mso-fareast-font-family:Calibri;
color:black;}
span.Heading1Char
{mso-style-name:"Heading 1 Char";
mso-style-priority:9;
mso-style-unhide:no;
mso-style-locked:yes;
mso-style-link:"Heading 1";
mso-ansi-font-size:16.0pt;
mso-bidi-font-size:16.0pt;
font-family:"Arial","sans-serif";
mso-ascii-font-family:Arial;
mso-fareast-font-family:"Times New Roman";
mso-hansi-font-family:Arial;
mso-bidi-font-family:Arial;
color:black;
font-weight:bold;}
span.Heading2Char
{mso-style-name:"Heading 2 Char";
mso-style-noshow:yes;
mso-style-priority:9;
mso-style-unhide:no;
mso-style-locked:yes;
mso-style-link:"Heading 2";
mso-ansi-font-size:14.0pt;
mso-bidi-font-size:14.0pt;
font-family:"Arial","sans-serif";
mso-ascii-font-family:Arial;
mso-fareast-font-family:"Times New Roman";
mso-hansi-font-family:Arial;
mso-bidi-font-family:Arial;
color:black;}
span.Heading3Char
{mso-style-name:"Heading 3 Char";
mso-style-noshow:yes;
mso-style-priority:9;
mso-style-unhide:no;
mso-style-locked:yes;
mso-style-link:"Heading 3";
mso-ansi-font-size:13.0pt;
mso-bidi-font-size:13.0pt;
font-family:"Arial","sans-serif";
mso-ascii-font-family:Arial;
mso-fareast-font-family:"Times New Roman";
mso-hansi-font-family:Arial;
mso-bidi-font-family:Arial;
color:black;}
span.Heading4Char
{mso-style-name:"Heading 4 Char";
mso-style-noshow:yes;
mso-style-priority:9;
mso-style-unhide:no;
mso-style-locked:yes;
mso-style-link:"Heading 4";
mso-ansi-font-size:14.0pt;
mso-bidi-font-size:14.0pt;
font-family:"Arial","sans-serif";
mso-ascii-font-family:Arial;
mso-fareast-font-family:"Times New Roman";
mso-hansi-font-family:Arial;
mso-bidi-font-family:Arial;
color:black;}
span.Heading5Char
{mso-style-name:"Heading 5 Char";
mso-style-noshow:yes;
mso-style-priority:9;
mso-style-unhide:no;
mso-style-locked:yes;
mso-style-link:"Heading 5";
mso-ansi-font-size:13.0pt;
mso-bidi-font-size:13.0pt;
font-family:"Arial","sans-serif";
mso-ascii-font-family:Arial;
mso-fareast-font-family:"Times New Roman";
mso-hansi-font-family:Arial;
mso-bidi-font-family:Arial;
color:black;}
span.Heading6Char
{mso-style-name:"Heading 6 Char";
mso-style-noshow:yes;
mso-style-priority:9;
mso-style-unhide:no;
mso-style-locked:yes;
mso-style-link:"Heading 6";
font-family:"Arial","sans-serif";
mso-ascii-font-family:Arial;
mso-fareast-font-family:"Times New Roman";
mso-hansi-font-family:Arial;
mso-bidi-font-family:Arial;
color:black;}
span.BalloonTextChar
{mso-style-name:"Balloon Text Char";
mso-style-noshow:yes;
mso-style-priority:99;
mso-style-unhide:no;
mso-style-locked:yes;
mso-style-link:"Balloon Text";
mso-ansi-font-size:8.0pt;
mso-bidi-font-size:8.0pt;
font-family:"Tahoma","sans-serif";
mso-ascii-font-family:Tahoma;
mso-hansi-font-family:Tahoma;
mso-bidi-font-family:Tahoma;
color:black;}
span.EmailStyle25
{mso-style-type:personal;
mso-style-noshow:yes;
mso-style-unhide:no;
mso-ansi-font-size:11.0pt;
mso-bidi-font-size:11.0pt;
font-family:"Lucida Sans","sans-serif";
mso-ascii-font-family:"Lucida Sans";
mso-hansi-font-family:"Lucida Sans";
mso-bidi-font-family:"Times New Roman";
color:#0F243E;}
span.EmailStyle27
{mso-style-type:personal-reply;
mso-style-noshow:yes;
mso-style-unhide:no;
mso-ansi-font-size:11.0pt;
mso-bidi-font-size:11.0pt;
font-family:"Lucida Sans","sans-serif";
mso-ascii-font-family:"Lucida Sans";
mso-hansi-font-family:"Lucida Sans";
mso-bidi-font-family:"Times New Roman";
color:#0F243E;}
.MsoChpDefault
{mso-style-type:export-only;
mso-default-props:yes;
font-size:10.0pt;
mso-ansi-font-size:10.0pt;
mso-bidi-font-size:10.0pt;
mso-ascii-font-family:Calibri;
mso-fareast-font-family:Calibri;
mso-hansi-font-family:Calibri;}
@page Section1
{size:8.5in 11.0in;
margin:1.0in 1.0in 1.0in 1.0in;
mso-header-margin:.5in;
mso-footer-margin:.5in;
mso-paper-source:0;}
div.Section1
{page:Section1;}
-->
</style>
<!--[if gte mso 10]>
<style>
/* Style Definitions */
table.MsoNormalTable
{mso-style-name:"Table Normal";
mso-tstyle-rowband-size:0;
mso-tstyle-colband-size:0;
mso-style-noshow:yes;
mso-style-priority:99;
mso-style-qformat:yes;
mso-style-parent:"";
mso-padding-alt:0in 5.4pt 0in 5.4pt;
mso-para-margin:0in;
mso-para-margin-bottom:.0001pt;
mso-pagination:widow-orphan;
font-size:10.0pt;
font-family:"Calibri","sans-serif";}
table.MsoTableTheme
{mso-style-name:"Table Theme";
mso-tstyle-rowband-size:0;
mso-tstyle-colband-size:0;
mso-style-noshow:yes;
mso-style-priority:99;
border:solid #CCCCCC 1.0pt;
mso-border-alt:solid #CCCCCC .5pt;
mso-padding-alt:0in 5.4pt 0in 5.4pt;
mso-border-insideh:.5pt solid #CCCCCC;
mso-border-insidev:.5pt solid #CCCCCC;
mso-para-margin:0in;
mso-para-margin-bottom:.0001pt;
mso-pagination:widow-orphan;
font-size:11.0pt;
font-family:"Calibri","sans-serif";}
</style>
<![endif]--><!--[if gte mso 9]><xml>
<o:shapedefaults v:ext="edit" spidmax="1026" />
</xml><![endif]--><!--[if gte mso 9]><xml>
<o:shapelayout v:ext="edit">
<o:idmap v:ext="edit" data="1" />
</o:shapelayout></xml><![endif]-->
</head>
<body bgcolor=white background="cid:image001.gif@01CB557A.3039DA60" lang=EN-US
link="#3333CC" vlink="#999999" style='tab-interval:.5in'>
<img src="cid:image001.gif@01CB557A.3039DA60"
v:src="cid:image001.gif@01CB557A.3039DA60" v:shapes="_x0000_Mail" width=0
height=0 class=shape style='display:none;width:0;height:0'><!--[if gte mso 9]><xml>
<v:background id="_x0000_s1025" o:bwmode="white" o:targetscreensize="1024,768">
<v:fill src="cid:image001.gif@01CB557A.3039DA60" o:title="watbkgnd" type="frame" />
</v:background></xml><![endif]-->
<div class=Section1>
<h1><b><font size=5 color=black face=Georgia><span style='font-size:18.0pt;
font-family:"Georgia","serif"'>For the Dishwasher’s Sake, Go Easy on the
Detergent<o:p></o:p></span></font></b></h1>
<h6 style='mso-margin-top-alt:1.5pt;margin-right:0in;margin-bottom:1.5pt;
margin-left:0in;line-height:14.4pt'><b><font size=1 color=gray face=Arial><span
style='font-size:7.5pt;color:gray;font-weight:bold'>By ALINA TUGEND<o:p></o:p></span></font></b></h6>
<p class=MsoNormal style='margin-bottom:12.0pt;line-height:14.0pt'><font
size=1 color=black face=Georgia><span style='font-size:9.0pt;font-family:"Georgia","serif"'>I’VE
been writing on some weighty topics lately — too little money, too many
choices, too few jobs. It’s time, I decided, to move on to some questions
that haunt me almost every day. </span></font><font size=1 face=Georgia><span
style='font-size:9.0pt;font-family:"Georgia","serif";mso-bidi-font-family:"Times New Roman"'><o:p></o:p></span></font></p>
<p class=MsoNormal style='margin-bottom:12.0pt;line-height:14.0pt'><b
style='mso-bidi-font-weight:normal'><font size=1 color=black face=Georgia><span
style='font-size:9.0pt;font-family:"Georgia","serif";font-weight:bold;
mso-bidi-font-weight:normal'>How much soap should I put in my washing machine
and dishwasher? <o:p></o:p></span></font></b></p>
<p class=MsoNormal style='margin-bottom:12.0pt;line-height:14.0pt'><b
style='mso-bidi-font-weight:normal'><font size=1 color=black face=Georgia><span
style='font-size:9.0pt;font-family:"Georgia","serif";font-weight:bold;
mso-bidi-font-weight:normal'>Do I need to do more for my dryer than clean that
little pull-out lint catcher? <o:p></o:p></span></font></b></p>
<p class=MsoNormal style='margin-bottom:12.0pt;line-height:14.0pt'><b
style='mso-bidi-font-weight:normal'><font size=1 color=black face=Georgia><span
style='font-size:9.0pt;font-family:"Georgia","serif";font-weight:bold;
mso-bidi-font-weight:normal'>Should I rinse my dishes before putting them in
the dishwasher? <o:p></o:p></span></font></b></p>
<p class=MsoNormal style='margin-bottom:12.0pt;line-height:14.0pt'><font
size=1 color=black face=Georgia><span style='font-size:9.0pt;font-family:"Georgia","serif"'>Most
of us learned how to use a washing machine or dishwasher in our parents’
house many years ago and haven’t really changed our methods, even though
most appliances have evolved radically since then. We rarely, if ever, read the
manuals when we buy a new one or glance through the instructions on the box of
detergent or bottle of dishwashing liquid. <o:p></o:p></span></font></p>
<p class=MsoNormal style='margin-bottom:12.0pt;line-height:14.0pt'><font
size=1 color=black face=Georgia><span style='font-size:9.0pt;font-family:"Georgia","serif"'>But
because we’re probably using these appliances incorrectly, our dishes and
clothes may not be coming out as clean as they could be. And we may also be damaging
the machines. <o:p></o:p></span></font></p>
<p class=MsoNormal style='margin-bottom:12.0pt;line-height:14.0pt'><font
size=1 color=black face=Georgia><span style='font-size:9.0pt;font-family:"Georgia","serif"'>Let
me start with soap. The No. 1 sin, according to repair people and appliance
experts, seems to be adding too much soap to washing machines or dishwashers. <o:p></o:p></span></font></p>
<p class=MsoNormal style='margin-bottom:12.0pt;line-height:14.0pt'><font
size=1 color=black face=Georgia><span style='font-size:9.0pt;font-family:"Georgia","serif"'>“Nobody
thinks they use too much soap,” said Vernon Schmidt, who has been a
repairman for almost 35 years and is the author of a self-published book,
“Appliance Handbook for Women: Simple Enough Even a Man Can
Understand.” But apparently most of us are in denial. <o:p></o:p></span></font></p>
<p class=MsoNormal style='margin-bottom:12.0pt;line-height:14.0pt'><font
size=1 color=black face=Georgia><span style='font-size:9.0pt;font-family:"Georgia","serif"'>Washing
machines and dishwashers are made to use far less water now than older models
and, therefore, need less soap. And detergents have also become increasingly
concentrated. So a little goes a long way. <o:p></o:p></span></font></p>
<p class=MsoNormal style='margin-bottom:12.0pt;line-height:14.0pt'><font
size=1 color=black face=Georgia><span style='font-size:9.0pt;font-family:"Georgia","serif"'>“Most
people use 10 to 15 times the amount of soap they need, and they’re
pouring money down the drain,” Mr. Schmidt said. <o:p></o:p></span></font></p>
<p class=MsoNormal style='margin-bottom:12.0pt;line-height:14.0pt'><font
size=1 color=black face=Georgia><span style='font-size:9.0pt;font-family:"Georgia","serif"'>Following
the instructions on the soap container is a good first step. Christina
Saunders, a spokeswoman for <a
href="http://topics.nytimes.com/top/news/business/companies/procter_and_gamble/index.html?inline=nyt-org"
title="More information about Procter & Gamble Co">Procter & Gamble</a>,
which makes Tide, Cheer, Gain and other laundry detergents, said researchers at
the company did thousands of loads of laundry to determine the right amount of
soap needed. <o:p></o:p></span></font></p>
<p class=MsoNormal style='margin-bottom:12.0pt;line-height:14.0pt'><font
size=1 color=black face=Georgia><span style='font-size:9.0pt;font-family:"Georgia","serif"'>She
said the caps were changed on liquid detergent containers a few years ago to
make the lines specifying amount of soap needed for different size loads easier
to see. <o:p></o:p></span></font></p>
<p class=MsoNormal style='margin-bottom:12.0pt;line-height:14.0pt'><font
size=1 color=black face=Georgia><span style='font-size:9.0pt;font-family:"Georgia","serif"'>Mr.
Schmidt, however, argues that depending on how hard or soft your water is,
one-eighth to one-half of what is usually recommended should be adequate. <o:p></o:p></span></font></p>
<p class=MsoNormal style='margin-bottom:12.0pt;line-height:14.0pt'><font
size=1 color=black face=Georgia><span style='font-size:9.0pt;font-family:"Georgia","serif"'>Too
much detergent can make your clothes stiff and shorten the life of your
machine. An excess of soap can also cause a buildup of mold and mildew, said
Jill Notini, a spokeswoman for the Association of Home Appliance Manufacturers,
a trade group. <o:p></o:p></span></font></p>
<p class=MsoNormal style='margin-bottom:12.0pt;line-height:14.0pt'><font
size=1 color=black face=Georgia><span style='font-size:9.0pt;font-family:"Georgia","serif"'>With
high-efficiency machines — which includes all front-loading machines and
any top loader that specifically states that it’s high efficiency —
it’s a good idea to use detergents specifically made for them, she said.
The detergents usually have H.E. on the front of the container. But don’t
expect to see a lot of soap action. <o:p></o:p></span></font></p>
<p class=MsoNormal style='margin-bottom:12.0pt;line-height:14.0pt'><font
size=1 color=black face=Georgia><span style='font-size:9.0pt;font-family:"Georgia","serif"'>“If
people see suds, they think their clothes are getting clean, but that’s
wrong — it means you’re using a lot of extra detergent,” Ms.
Notini said. <o:p></o:p></span></font></p>
<p class=MsoNormal style='margin-bottom:12.0pt;line-height:14.0pt'><font
size=1 color=black face=Georgia><span style='font-size:9.0pt;font-family:"Georgia","serif"'>Here
is Mr. Schmidt’s test to determine if you’re oversoaping. Take four
to six clean bath towels, put them in your front-loading washing machine (one
towel for a top loader). Don’t add any detergent or fabric softener.
Switch to the hot water setting and medium wash and run it for about five
minutes. <o:p></o:p></span></font></p>
<p class=MsoNormal style='margin-bottom:12.0pt;line-height:14.0pt'><font
size=1 color=black face=Georgia><span style='font-size:9.0pt;font-family:"Georgia","serif"'>Check
for soap suds. If you don’t see any suds right away, turn off the machine
and see if there is any soapy residue. If you see suds or residue, it is soap
coming out of your clothes from the last wash. <o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 color="#0f243e" face="Lucida Sans"><span
style='font-size:11.0pt;font-family:"Lucida Sans","sans-serif";mso-bidi-font-family:
"Times New Roman";color:#0F243E'>To read the rest of the article with the
answers to the rest of the questions, go to: </span></font><font size=2
color="#0f243e" face="Lucida Sans"><span style='font-size:11.0pt;font-family:
"Lucida Sans","sans-serif";mso-bidi-font-family:"Times New Roman";color:#0F243E'><a
href="http://www.nytimes.com/2010/03/13/your-money/13shortcuts.html?ref=general&src=me&pagewanted=print">http://www.nytimes.com/2010/03/13/your-money/13shortcuts.html?ref=general&src=me&pagewanted=print</a><o:p></o:p></span></font></p>
<p class=MsoNormal><font size=2 color="#0f243e" face="Lucida Sans"><span
style='font-size:11.0pt;font-family:"Lucida Sans","sans-serif";mso-bidi-font-family:
"Times New Roman";color:#0F243E'><o:p> </o:p></span></font></p>
</div>
</body>
</html>