Source document: https://docs-lawep.s3.us-east-2.amazonaws.com/1698071426232.pdf (Guyana)
�::====================================--1 REPORT ON THE OPERATION OF THE , (lgup�na Qtrrbit <torporation · • FOR THE YEAR ENDED 30TH JUNE, 1968 GUYANA CREDIT CORPORATION (Incorporated by Ordinance No.

13 of 1954) MEMBERS OF THE CORPORATION AS AT 30TH JUNE, 1968 J.

A. Adamson, Esq., O.B.E.

Chairman L.R.

Wharton, Deputy Chairman Esq.

F. E. Hope, Esq.

Official Member A.

A. Aaron, Esq.

A. R. Yhap, Esq., O.B.E.

Esq.

S. N. Yearwood, A.D. Hack.

Esq.

F.Charles, Esq.

J. H. Pollydore, Esq., O.B.E.


J. G. Ramson, Esq.

D.Subnauth, Esq.

B.C.

Bennett, Esq.

C.C.

Bristol, Esq.

persons During the year ended 30th June, 1968, the undermentioned also served as Members of the Corporation for various periods.

H.0.

E. Barker, Official Member.

Esq.

R.Khan, Esq.

W. K. Brassington.

Esq.

S.Muneshwer, Esq.

Esq.

E.Doobay, F. W. Clarke, Esq.

C.J.

B. Harris, Esq.

H.C. Spence, Esq.

Esq.

J. R. Vieira, M.S.

Francis, Esq.

GENERAL MANAGER Esq.


R. H. Thompson, SECRETARY Esq.

E. S. Douglas, CHIEF ACCOUNT ANT A I3.

Locke, Esq.

REPORT ON THE OPERATION OF THE GUYANA CREDIT CORPORATION FOR THE YEAR ENDED 30TH JUNE, 1968 1.

MEMBERS : During 21 members to 13.

The term of office 1968 the size of the Board was reduced from was fixed to the 31st December.

1968.

2.

STAFF: ln keeping with established taken to have staff attend training in all courses able to the Corporation.

execution of their duties.


classes This was with a view to increasing practice.

which were made avail­ the efficiency opportunity in the was 3.

BRANCH OFFICES: Consideration of branch offices, it was decided areas, but after looking to maintain all existing at the position of1ices of the arrears for the present.

was given to reducing the number in the rural 4.


THE ACCOUNTS : The Auditors' Corporation Balance direction Sheet, of lending for the year under review, and on the sources of the Report on the Accounts Account and the Income and Expenditure data on the with statistical together of repayments.

to this report, arc attached Income and Expenditure Account: There has been an upward shift in Total lm.
:ome from all sources, to the and of $827,237 has or 2.4% above the previous aside the increase (leaving year's figure in the Bad Debt Provision) Salaries showed a fall for the first time and Fees have total.

to $13,717 tune of $19,514 Expenditure been contained been cut by $17,197 and General since June.

1966, with the result written Expenditure provision.

Expenses that, despite off.


the net effect has been a $32,026 below its last year's over Tncome, reduction before adding on the increase in debts increase in the excess of in the Bad Debt the $31,090 While the Corporation Debts that have been written corresponding Corporation us relief present by crediting a much better show heavier picture.

losses credits with Interest off the Corporation's credit in our books and this, of course, on all the Bad Books, there is no Government makes the than is the case.
When Government us with these then the a<.:<.

:ounts of the Corporation gives wiU Bad Debts received payments our arrears of $750.000 each, the position have increased, has deteriorated We carry a Bad Debts reserve from these four mills.
We actually and, although this amount would normally were far below the S500.000 that further from these mills and it was clccidecl in general t. be suili,�ien Since we wrote down the Black Bush Rice Mills and the mill at Cane Grnvc to $500,000 or little and ,,c have collected to �ell one of the mills nothing but offers books.

Our Auditors losses $100.000 down.


This totalled a reserve, will bring the total loss on these four mills to roughly fairly certain S600,000 we dispose and this was brought out at the encl of this financial year.

This $4,000.000, and it is when can b-.

: expected at which we have them in our should be made for provision $750.000 but must be written to write each one clown a further and lo write otI the interest into our accounts felt therefore.
that had accrued loss of at lec1.st that a further of these mills.

attempted as since the last write 3 5.

GENERAL : The Corporation during the year under review.

approved lending March 1968, by which time, we had built up enough funds that date, we were able to approve received Due to the unusually during 1967.

We met our obligations during tbe period, June to December loans to the extent space until From to start lending.

per month.
per month.

of $144,079 no funds from Government large number of loans 1966, we had to call a stop to and took a breathing The Committee system of granting still as well as the other stages pass and this has proved to be very satisfactory.

loans described through in operation in our 1965 report is which all Loan Applications Our application to Government for relief of the write off of $3.2 million, has so far not been dealt with by Government.

was for Rice Mills at Black Bush and Cane Grove.


We have since had to reserve a further for these four mills which must be written it certainly these liabilities.

out this year, and rid of we can get looks like we will have write off by the time The bulk of this write off $750,000 a further The Corporation maintains a country wide organisation and is out to help people in all areas, are in the Rural areas and in the agricultural cause of the losses.
but it is regrettable that the bulk of the Corporation's losses field.

Rice has been the biggest The Agriculture Department which vetted to do so; hence, Credit was assigned Corporation had advised they could not continue in Agricultural being done by the Department and advise follow-up, necessary now, that, owing to pressure all loans for agriculture for the of staff, of work and shortage trained one of the Corporation's officers, post to do what was to a newly created of Agriculture.
He was also assigned to report of the on industrial loans as well as look after the important which was not done in the past, but which has been found vitally aspects Despite all the various housing schemes the bulk of the applications that have been started, for loans but it is pleasing still constitutes that both Agriculture applications our hold up in lending, $1} million in the nine months of 1968, and provided commitmen ts, there is no reason and Industrial borrowers why this rate cannot be maintained were more than double the number of any previous loans are on the increase.
we still managed from our own resources to lend meet their during 1969.

In fact, these year.

Despite housing to note Money is dearer and most lending still maintains it has asked for from organisations now ask 8-10% in its 7%.

Even at this rate, if the not be long gets the relief it should Government, costs.

on its operational at least the Corporation breaks-even interest.

Corporation before The Corporation J.

A. ADAMSON, Chairman.

R.H. THOMPSON, General Manager.


Georgetown, Guyana, 15th February, 1969 GUYANA CREDIT CORPORATION ACCOUNTS 30TH JUNE, 1968 PANNELL, FITZPATRICK & Co. AND FITZPATRICK GRAHAM & Co. CHARTERED ACCOUNTANTS DEMERARA.

7 & CO. PANNELL FITZPATRICK AND FITZPATRICK GRAHAM & CO. CHARTERED ACCOUNTANTS.

DEMERARA LIFE BUILDINGS, ROBB & illGH STREETS, GEORGETOWN, GUYANA.

1961!
1961!

9th l>eccml>cr, REPORT OF THE AUDITORS ON THE ACCOUNTS OF THE GUYANA CREDIT CORPORATION AS AT 30TH JUNE, 1968 We have examined which are in agreement the annexed IJalance with the books of account Sheet and lncome and Expenditu1e and we report that, in our Account opinion:- 1.

The administration of Ordinance provisions and transactions No.

13 of 1954, as amended.

of the Corporation comply with the relative 2.


We have obtained knowledge and belief, all the information and explanations of our audit.

which, to the best of our were necessary for the purposes Sheet is properly 3.

The Balance state of the Corporation's Expenditure year ended affairs at 30th June, 1968, and the Statement drawn up so as to give a true and fair view of the of Income and over income for the gives a true and fair view of the excess of expenditure on that date.
PANNELL FITZPATRICK & CO. } CHARTERED ACCOUNTANTS AUDITORS GUYANA ICREDIT BA: AS AT • .

d1 , SUNDRY LIABILITIES Interest Less :-Interest due to Trea;ury on Special Deposit' General with Accountant .$ 1,290,000 7,748 Sundry Creditors & Credit Balances 1,282,252 89,013 ... .., ADVANCES Treasury Guyana Rice Marketing Board 14,758,988 32,154 I ,371,265 r 14,791,142 16,162,407 ... E':cess o( Expenditure O\er Jncome to date (4,691,834) I-The attached Notes & Schedules form part of this Balance Sheet.
Georgetown,, Guyana.

29th November, 1968, $11,470,573 CORPORATION .IBET .
'IE, 1968 CURRENT ASSETS Cash & Bank Balances Sundry Debtors & Debit Balances $ 818,614 61,909 880,523 LOANS PORTFOLIO & SPECIAL ADVANCES As shown in the attached Schedule Capital Interest 10,912,974 834,432 Less:-Provision for Bad Debts (Note 4) 11,746,406 1,500,000 PROPERTIES ACQUIRED TO SECURE LOANS PENDING RE-SALE Valuation) (At Corporation's AGRICULTURAL & INDUSTIUAL ASSETS As shown in the attached Schedule II FIXED ASSETS 10,246,406 112,582 141,649 Cost Depreciation Net'< to date Land & Buildings 132,147 63,591 68,556 Furniture, Fixtures & Other Moveable Properties 136,169 l 15,312 20,857 268,316 178,903 89,413 $11,470,573 J.
A. ADAMSON (Chairman) AUBREY B, LOCKE (Chief Accountant) 11 GUY ANA CREDIT CORPORATION NOTES FORMING PART OF THE BALANCE SHEET AT 30TH JUNE, 1968 I.

The Corporation Co-operat ive Societies.

holds no adequate security for certain of the Crop Loans made to 2.

Pending Charge securing the issue of Government leases, the Cane Grove Scheme advances.

the Corporation holds an Instrument of 3.

No provision Agriculture Societies.


in respect has been made for an undetermined of seed padi nor for charges corresponding liability to the Departp1ent of Co-operative to the various for Bad and Doubtful 4.

The Provision outstanding advances and advances amounting (30th June, 1967, approximately to approximately $2,567,000).

as compared with 6.16% in the previous Debts represents 12.77% of total loans and year.

Repayments $3,279,000 are in arrear at 30th June, of loans 1968.
GUY ANA CREDIT CORPORATION LOANS & ADVANCES AT 30TH JUNE, 1968 Schedule J 30th June, 1967 (Total) $ $ $ Total 8,708,682 including Crop Loans Housing & Development 605,040 Judgement Debtors 7,769,554 351,193 8,120,74 7 445,002 125,055 570,057 152,189 Local Authorities 149,127 1,295 150,422 473.471 Co-opcrativc Societie, 445.353 61.294 506,647 1,637,714 Blach.
Bush Po!dcr Rice I\ 1 ill Co-operatives 1,550,267 204,962 1,755,229 535,492 Co-operative Cane Grove Rice r,1 ill 509,343 72,974 582,317 31,128 eoan.l 25,677 6,478 32,155 Crop Lo,.i1s Rice J\larkcting 30,027 Co-oper::!ti'.e Cccdit !3_mks Loans t,,ken 01 er from J 8,651 10,181 28,832 /\, shown In Balance Sheet SI 0,912,974 $833,432 $11,746,406 ----·"¢1---- AGRICULTURAL & INDUSTRIAL ASSETS AT 30TH JUNE, 1968 Schedule l1 30th .June, 1967 $ 1,109,902 1,095,698 Le�, :-Recovered J rom Gu) ana Gm·crnmcnt 1,109,902 1.095,698 14,204 Due by Ministr, or Agriculture 14,204 lmlu•tri,•I Building Ruimvcldt al cost 158,607 I 35,375 lx,s :_Depreciation 31,162 127,445 $149,579 $141,649 GUYANA CREDIT CORPORATIO� INCOME & EXPENDITURE ACCOUNT FOR THE YEAR ENDED 30TH JUNE, 1968 30th June, 1967 $ INCOME 796,300 17,90C 13,037 827,237 516,857 - on Loans & Advances Interest Other Income Excess of income over expenditure on Ruimveldt Building Operations Industrial Estate EXPEND1TURE Interest on Treasury Advances Administrative Expenses $ 811,663 22,475 12,613 846,751 518,062 321,089 35,399 12,802 5,704 5,IOS 1,231 25,496 12,230 Expenses Salaries and Fees Travelling Rent & Property Printing Post�ges Legal Expenses General Staff Pension & Stationery & Telephones 103,892 35,336 13,829 4,785 5,004 3,908 18,576 Expenses Scheme Contribution Employer's 12,154 . '
419,056 7,304 17,350 Audit Fee Depreciation Provision Bad Debts Loss/(Profit) acquired for Bad Debts on properties to secure loans 39,553 20.871 397.484 7,000 17,255 750,000 70,643 (1,965) 60,424 1,020,991 193,754 EXCESS OF EXPENDITURE OVER INCOME 818,678 1,758,479 911,728 3,586,352 ADVERSE BALANCE BROUGHT FORWARD 3,780,106 $3,780,106 ADVERSE BALANCE CARRIED FORWARD $4,691,834 Georgetown, Guyana.

1968 29th November, .l.


A. ADAMSON (Chairman) (Chief AUBREY B. LOCKE Accountant) GUYANA CREDIT CORPORATION SUMMARY OF LOANS PAID Agriculture No.

 Amt.

Agriculture Machinery No.

Amt.

Rural & Urban Housing 1 : 6 1 0 No.

 Amt.

4 1 :2 : F r: 6 G O c ) E E c . )

0 i .

.

.

.

1 - , o n o 0 c i r .

.

.

, a .

.

a .

.

.

Fishing Food Product.

& Co-ops.

4 4 d .

e 4 .

.

: No.

Amt.

No.

 Amt.

No.

Amt.

Logging Local Judgement i o 0 Authorities No.

Amt.
Amt.

Debtors Amt.

4 6 E 4 1 c ?

5 A , * 0 , r - › , 4 — , , d o .

7 ; 0 t o v ) C ) e .

4 t z 0 a l ) ) o > a ) .

E o .

.

.

, - " " c ) o , .

.

.

, E 1 .

- , , - 1 a , , T o - = o ‘ , '.

: 8 ' ' ' > , 1 _ , c . )

.

0 4 r 1 ; 2 d m m m i .

; - ' ) , , - , 0 0 0 .

1 1 • • • • • • • • • 1 0 4 1 • N 7 , .

.

3 a ' ' t o 5 ( a , .

4 .. .

C N .

.

.

, N W I t " ; ` " .

.

.

- - , - - .

0` .

.

.

.

1 .

a ` .

.

.

, N e n N V I e n .

.

.

1 • - • e l C ,1 e n r n e n a , 0 0 a , .


.

i • , e 0 0 e n e n 0 , .

- - .

N .

.

, • • • • 1 1.

0 ) C D 0 1 N e n N N N O R .

c r , V 1 k r , v i e n N c n ‘ c ) t r ) N C l 0 0 0 1 , .

.0 .

- , , , , c , 6 % c , - , , - .

- , r s — r • i ' K t ( + 1 N r i - C r , w - , \ .

0 V D .

- .

c n .

1.

0 0 C , C r , , 0 1 0 1 c , e l c .

.

, e n 0 0 r e r 0 , •.

d • 0 0 0 8 T , e n C T e n .

1- C Y , 0 .

- ‘ .

0 0 1 N , - - 4 , - , , n r : .

- .

r : G O y , .

- .

i N r i.

— e n .


- - , , r ) 0 0 e n .

.

.

.

, , , , _ , _ e n .

1 - .

- r N ‘ , - , 1 m — I i m — I .

- - , 0 N , - - , , .

.

.

.

1- e ,i , 4 5 .

.

.

.

.

C O .

- .

.

s r N N , r , .

r , c r s r ,1 s r ) c s , e n V I 5 C r , t - ,.

c, r - o m u m c p , c o ,r , 1 .

.

.

1 c o c > e " , ON, e • - - 1 7 C r , ' e t 0 0 1 C ) 0 1 V D r - - 1 1 1 1 l " - .

I 1 I I I C s 1 e q .

- .

.

r ' ' I 1 , - , e n l 0 r s 0 6 ,1- c 4 .

e i .


.

.

.

, _ , l z : , , - c .

, ‘ r ) f n e n • e r • e - - .

, 1 0 , 0 \ .

0 e n e n 0 1 0 1 N I 1 ' ' ' ' v l N r - , - e i , I .

r - r - - .

.

N e .

1- c x ) l e n C m Z ) N r - - e n - - , e n N 0 r ".

0 1 r c -- ' .

1 1 1 1 1 1 1 1 1 1 1 1 0 , V D 0 0 7 r - - , C r , m 0 0 N N 0 0 - C r t • - • 0 0 1 e - > e n 0 0 f n r n C .. , .

- , 0 0 N 0 , N e n ( .

. )


; • • • • W I N Total for year Total: June 1954 To June 1968 19 100,813 1 4,201 4,242,349 N .

.

.

.

.

I M I N P .

4 .

C r N '7 1 ; 1 I I N c o , , D N 0 0 0 1 4 t - - ,r 1 ' - ' ' ' ' I I I I M L I . '

V 0 I ' v i r 4 ' ) 0 0 0 0 0 0 ‘ .

0 I V * \ 0 0 1 0 r " .

.

.

N c ‘ I • - • N t - - m l - r .

,.

c • t " v l C r , S r , 0 .

- .

0 0 W 1 0 .

, _ , 1 r > 4 " .

.


, 6, 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 1 U .

.

.

s .

.

.

t s 2 1 1 1 1 1 1 r ., „ , , , , e n , • • • 1 1 1 1 1 1 • 1 1 1 1 1 .

.

.

.

.

, .

.

.

.

• r r i t • - • _ , , , , , , " .

, N V 1 0 , - .

e • .

- o k r i 0 0 e n N N 1 0 • - • , - - , .

e r V I O ., • - • U 7 v - , 1 .

n N .

4 - .

.

.

. '

0 .

4 .

0 N e n 1 0 a , e n " c f • ' 4 0 N .

, .

- .

, 0 .

( N I. N C h , - , e l 0 0 0 1 r .

.

.


e n c o 0 0 .

.

.

.

.

.

.

.

.

0 1 C r s I n O [ - e s 0 O p .

0 .

• ( .

i n r .

- 4 e s e t c 4 r - - v .

, a i d ' V I V D .

W I W N I C h N s O 0 I n c s j l e l .

.

.

7 k t 5 ' i n 4 5 (.

4 .

e n s r e n t s , 1 ' o 0 o r V N o I O o v D t N - „ 0 .

0 .

i n .

.

.

0 .

‘ 6 , • • • • 0 % 0 .

- - , e n N 55 273,349 e n e n 0 0 ‘ h 0 .

- .

‘ .

0 .

- - , 1 1 5 N v n e • - • 1, .

, V i ‘ 0 0 •- - , .


- - t 3 574,173 1 1 m l: ' .

.

.

.

.

0 e n k e m .

- , t 0 N — 0 0 .

- .

C h 3 e i .

e n 1 0 1 C r , r e l: e n 0 0 C D 11 9'121 10,898,973 1,127 5,752,410 785 4,697,337 r " .

.

.

, .

- , V D 0 0 C I C T - , N r s: , t - - - .

.

n • b y f A N .

0 C .

1 e d e d .

0 O C O C E a ) 0 4 ) C . )

C ) C 0 0 O C .

C a ) C O 4 ) f : C / C c C O .

.

.

.

.

.

0 1 I n , - .

4 N .

.

i .

.

.

N 1 0 18,133 33,937,202 .

, - - , 1- I r .

: .

.

.

.

, 1- .

.


- , 1 0 , - - .

0 : N 0 \ e + 1 ,• 1 0 e n Y D ‘ .
0 - - , z O ▪ GUYANA CREDIT CORPORATION SUMMARY OF REPAYMENT APPENDIX "B" Public Officers Housing 7 .
4 a 6 ; T O , r , L C 1 C O Food Product & Co-ops Logging Local Judgement Authorities Debtors o 3 — • 4 - , l 4 C L o n r n 0 0 : , .

7 1 - h q- - - , L n - , .

o 0 c v " ) - - -- r n , 1 - - k r , , r , \ v n C , r - .

e ,1 m n e n L o n 0 , e n .

„ 1 - , , p c l t n t o n t 6 , - _ - L , e , n , , , C - - _ , C v N i 0 r 0 : 0 0 t- - - n .

t - r - , i - N h 0 ,t .

k r , • d - N ,: t 603.941 V I- v ,- r n , i \ .

0 , - , v : 5 e n N 0 0 N 0 v i e " .


1 r : t i v 5 N C A 0 k r , — N .

- , , — , e n , r ) e n N h c r ., C C , : 1 — , G. - N - 0 , 0 6 r c , > , i " N r : r - k r ) - ,1 - - ,t C h - - .

0 k r , v - , k r , ) h C D c 0 o 0 7 1- r n N o n N e n e n k r , h C D V D 0 N C l e n h 0 0 , t .

- - N e n C D e n V D e L i e n - - , r e i L , 6 f ',1 C O ,t - .

k r > C D - .

N h i - - , , — .

0 0 e n 0 0 k r ) o 0 C C , , .

- • — V . )
- • — V . )

, t N N N \ O L n L ,O l 6 e n \ N C N e n r , O C ., e n 1 - - c o 0 0 k r , 7 1- .

1 - C ) e n. L e n 0 0 c r , v r ) N - .

c .

; , - , — , 0 0 0 0 C A o - , .

1 .

r t .

.

.

.

t r ) 1 1 1 1 1 1 I I I I I I 1 !

I 1 1 k n k r , .

— 1 ; v ' 0 C ( D 7 ) 1 1 r - - - , - , ,t , - e n .

.

7 1 - N k r ) h 0 0 C D M h i e n - e n v - ,- v ; v - , e n V e n e 9 N N C O I .
- - , 0 C r , - - , 0 .5 e n. h e n h i c 7 , •,: t - 0 C I \ e n C r , e n V h I " e t e n - e n - h r — , N 0 , O - z r .

.

, , r , , .

.

.

.

.

k r .

, .

0 0 .

— .

1 - , .

- r : 0 , - r , - 1 - e n N r N : N 0 0 , .

.

1 c 2 > .

• .

.

0 C > .

.

1 .

- o 0 0 o e s n N V D h h N 7 1 - k r , , • 1 , - : I , , .

- - , e n V D 0 N e N n c can 0 o Obi 0 0 0 C V D N N N N • c t " r - - , e n l e ) , k r , r : N N h a : N N 0 0 h r e i e h n e n , .

.
.

C r , V D N s r + - r - C D C D - - r .

, , r , 143,338 3,713,424 14,790 129,553 366,361 N c c , C .

: .

k o e n g C D .

I , - i 0 C , .

.

1 c - , r - - .

.

, : - .

3 .

- - .

.

.

.

, , , ) 1 < c ' / ' 5 - , .

.

2 4 , - - ,, - o z 0 z 0 ; .

.

.

 6 .

: .

.

C i , I 0 5 , , .

0.

V ) , , , , , , , .

.

, , .

: : G 4 0 — g t, .

0 1 ) , - , • , .

.

, .

0 C ., : - .

.

.

.

0 e ) , .

.

.

.

.

c l .

, , .

.


, ., 5- ' ' c l ; .

- .

.

.

, g I : : 0 E .

* * 6 C ) .

.

.

, 4 - 1 t - 1 .

* t .

a 7 C ?

.

, " - - ' .

.

, .

,4 1 .

1 0 r .

.

, G L L - o p o 7 d C o : : - c C I .

T .

c o r - , •,o 4 1 • ° *, : 3 P — .

q L e n r n k r , , 6 .

• - - .

„ , c i \ 0 , , - , e l c ,i c 4 C — D , " ^ e n C ., L - , ) L o n c r , e n - , N — , i ” n " 7 1 - 1 .

- - r 5 ' / ll ,.

.

.


S 6 0 0 e n 0 0 t - - - , r - e n C l c 7 , k r > C D 0 0 0 , e n ' e n • C D D c N o u z , 0 , .

.

1 - c " , 1 - - - .

7 1 - m 0 7 t = 0 m 0 6 • C - - r z V • - ; ` .

0 N \ .

0 c e l L o n L e o 0 0 0 0 - , r c - N v - , o n c 5 v - C C C l e n r q - - , r , 1 - .

- - o C l, N G " ' c l - C — ,4 W — - , -1 .

.

, j - C O ^ N , N 0 0 m c r " - .

0 0 C C 0 c. , , , - .

1 , .


, - , r • - , c r , r n , — , W C — r e , l ' C — ) , z ) N 0 0 0 N , e n , - - .

, C N 0 , N ,• 0 - , r .

.

N ( N N v - G ; ,t r .

, I ?

.

C . )

e d > - , , - - , , 7 N n 1. r z .

c , C C l " - - - V D v i \ c ) ‘ .

0 S D E .

.

.

 * 6 .

.

.

i , , t E .

0 , 2 .

- - , c > k r ) , t , C ' ,.

.

.

0 0 0 ,1 : C 0 .

r - , I n k r , r - - A .
0 1 0 - : - - , \ C D N e n e - -