'DYHQSRUW
(GLWSRVW
9LHZVWDWV
(VWDEOLVKHG%XVLQHVVDQG
7HFKQRORJ\&RQVXOWDQW
2QHZD\WRIL[SDVVZRUGKHDGDFKHV
)HE
YLHZV
,I\RXDUHOLNHPRVWSHRSOHUHPHPEHULQJDORWRISDVVZRUGVHVSHFLDOO\JRRGRQHVLV
GLIILFXOW6RPD\EH\RXWDNHDVKRUWFXWDQGXVHWKHVDPHJRRGSDVVZRUGLQVHYHUDO
SODFHV(DUOLHUWRGD\,JDYHDQH[DPSOHRIZK\WKDWLVDVXSUHPHO\EDGLGHD1RZ,
/LNHV
ZRXOGOLNHWRRIIHUVRPHLGHDVRQGHDOLQJZLWKWKHSUREOHP
)LUVWRIDOOLWFDQQRWEHRYHUVWDWHGWKDW\RXVKRXOGDOZD\VXVHDVFRPSOH[DSDVVZRUG
DVWKHVLWHZLOODOORZ)RUYDULRXVUHDVRQVVRPHVLWHVDQGV\VWHPVH[FOXGHFHUWDLQ
&RPPHQW
FKDUDFWHUV,WKLQNLWLVPRVWO\OD]\SURJUDPPLQJ8VHUVVKRXOGEHDEOHWRKDYHORQJ
SDVVZRUGVWKDWXVHDQ\DQGDOOSULQWDEOHFKDUDFWHUV%XWWKDW
VMXVWPH
0RYLQJRQ
/HW
VUHYLHZVRPHEDVLFWLSVIRUFUHDWLQJVWURQJSDVVZRUGV
8VHDORQJSDVVZRUGFKDUDFWHUVDWOHDVWPRUHLIWKHVLWHZLOODOORZ
8VHDVPDQ\FKDUDFWHUJURXSVDV\RXFDQ7KLVLQFUHDVHVWKHQXPEHURI
SRWHQWLDOFKDUDFWHUVWKDWFDQRFFXS\DQ\JLYHQVSRWLQ\RXUSDVVZRUGIRUFLQJD
EUXWHIRUFHFUDFNLQJSURJUDPWRZRUNORQJHUDQGKDUGHU0DNH\RXUSDVVZRUG
KDUGHQRXJKDQGWKHSHUVRQRUSURJUDPDWWDFNLQJ\RXUDFFRXQWPD\MXVWJLYH
XSDQGORRNIRUHDVLHUSUH\([DPSOHVRIFKDUDFWHUJURXSVDUHORZHUFDVH
XSSHUFDVHQXPEHUVDQGSXQFWXDWLRQPDUNV8VHRQHRUWZRFKDUDFWHUVIURP
HDFKJURXSLI\RXFDQ
'RQRWXVHDQ\ZRUGWKDWLVLQDGLFWLRQDU\HYHU
5HSODFLQJQXPEHUVRUV\PEROVIRUOHWWHUVIRULQVWDQFHLQVWHDGRI
(
RU#
LQVWHDGRI
D
LVQRWKHOSIXOLIWKHHQGUHVXOWLVVWLOODGLFWLRQDU\ZRUG0RVW
SDVVZRUGFUDFNLQJSURJUDPVDOUHDG\DFFRXQWIRUWKLVWDFWLF
'RQRWXVHWKHDFFRXQWQDPHLQWKHSDVVZRUG
'RQRWXVHELUWKGDWHVRUDQQLYHUVDU\GDWHVRURWKHULQIRUPDWLRQDERXW\RXZKLFK
PLJKWEHSXEOLFO\DYDLODEOH
%DVLFDOO\LI\RXKDYHHYHUVHHQLWLQSULQWGRQ
WXVHLWLQ\RXUSDVVZRUG7KHPRUH
DUELWUDU\DQGUDQGRPWKHSDVVZRUGVHHPVWKHEHWWHURII\RX
OOEH
7KHUHDUHRWKHUJXLGHOLQHVEXWWKHVHIHZZLOOJHW\RXVWDUWHG,I\RXKDYHRWKHUVLQ
PLQGIHHOIUHHWRVKDUHWKHPLQWKHFRPPHQWVVRHYHU\RQHEHQHILWV
2NVRQRZ\RX
YHFUHDWHGRQHVXSSHUKDUGWRFUDFNSDVVZRUGWKDWDOVRKDSSHQVWREH
VXSHUKDUGWRUHPHPEHU'RQ
WZRUU\:LWKVRPHHIIRUW,NQRZ\RX
OOEHDEOHWR
FRPPLWWKLVRQHSDVVZRUGWRPHPRU\7U\EUHDNLQJLWLQWRJURXSVRIWKUHHFKDUDFWHUV
DQGPHPRUL]HRQHJURXSDWDWLPH
%XWWKDW
VMXVWRQH\RXVD\<RXVDLG,QHHGDGLIIHUHQWRQHIRUHDFKVLWH,&$1127
'27+$7
:HOO\RXDUHULJKWLWLVMXVWRQH$QGWKDW
VWKHELJJHVWSUREOHPZLWKSDVVZRUGVDVD
VHFXULW\PHDVXUH7KHKXPDQHOHPHQW9HU\IHZRIXVDUHFDSDEOHRIPHPRUL]LQJ
UDQGRPVWULQJVRIFKDUDFWHUVDQGDVVRFLDWLQJWKHPZLWKDZHEVLWHRUFRPSXWHUV\VWHP
)HDUQRWKRZHYHUDVWKHUHLVRQHLQFUHGLEO\HDV\VWHSOHIWWKDWZLOOKHOS
:HZLOOQHHGDQH[DPSOHIRUWKLVQH[WELW,ZLOOXVHJRRJOHFRPLQWKLVH[DPSOH
6RZH
YHFUHDWHGDVXSHUKDUGPLGOHQJWKSDVVZRUGT^P;
]RDQGZH
YHPDQDJHG
WRFRPPLWLWWRPHPRU\1RZZHQHHGWRPDNHLWXQLTXHIRUJRRJOHFRP7RGRWKLV
\RXQHHGWROHYHUDJHLQIRUPDWLRQWKDWQRVLQJOHZHEVLWHFRXOGHYHUJLYHXSWRDKDFNHU
DQGWKDWLQIRUPDWLRQLVDVLPSOHUXOHZKLFKUHVLGHVQRZKHUHEXW\RXUKHDG
)RUWKLVH[DPSOH,ZLOOXVHDVLPSOHUXOHILUVWDQGODVWKHDGRIWKHFODVV6RUU\WKH
UK\PHGRHVQ
WTXLWHZRUN,
PDQ,7JX\QRWDVRQJZULWHU,GLJUHVV
7RIROORZWKLVUXOHVLPSO\WDNHWKHILUVWFKDUDFWHURIWKHGRPDLQRUDSSOLFDWLRQQDPH
LQWKLVFDVHJDQGWKHODVWFKDUDFWHULQWKLVFDVHHDQGSXWWKHPDWWKHEHJLQQLQJRI
\RXUVWURQJFRUHSDVVZRUGJLYLQJXVJHT^P;
]R1RZLIJRRJOHFRPKDSSHQVWR
JHWKDFNHGDQGJLYHXS\RXUSDVVZRUGWKDWH[DFWSDVVZRUGZLOOQRWEHXVHIXORQDQ\
RWKHUVLWH7KXVGHIHDWLQJWKHSURJUDPIURPRXUHDUOLHUVWRU\
1RWHWKDW,XVHGD9(5<VLPSOHUXOHIRUWKHLOOXVWUDWLRQ,IDKXPDQDFWXDOO\ORRNHGDW
WKLVSDVVZRUGWKH\ZRXOGSUREDEO\ILJXUHRXWZKDW
VJRLQJRQ+RZHYHULI\RXZHUHWR
WDNHWKHILUVWFKDUDFWHUDQGDGGRQH\LHOGLQJKDQGWKHODVWFKDUDFWHUDQG
VXEWUDFWWZR\LHOGLQJFDQGSODFHWKHPLQWKHILUVWDQGIRXUWKSRVLWLRQV\RXZRXOG
JHWKTF^P;
]RZKLFKLVQRWQHDUO\DVREYLRXVDVWKHILUVWH[DPSOHWKRXJKDELW
KDUGHUWRXVHLQSUDFWLFH
&HUWDLQO\WKDWODVWUXOHLVDORWRIWKLQNLQJZKHQ\RXDUWU\LQJWRJHWLQWR\RXUHPDLORU
EDQNDFFRXQW<RX
OOQHHGWRILQGDUXOHDQGFRUHSDVVZRUGWKDWZRUNIRUWKHZD\\RX
WKLQNOLNHPD\EHWKHILUVWOHWWHURIHDFKV\OODEOHLQWKHGRPDLQQDPHRUDSSOLFDWLRQ
QDPHSXWRQWKHHQGRIWKHFRUHSDVVZRUG7KHNH\LVWKDWWKHUXOHLVQ
WVWRUHG
DQ\ZKHUHEXW\RXUKHDGDQGVRFDQQRWEHFRPSURPLVHGXQOHVV\RXWHOOLWWRVRPHRQH
ZKLFKRIFRXUVH\RXVKRXOGQRWGR,QWKLVZD\\RXRQO\KDYHWRUHPHPEHUWZR
WKLQJV\RXUFRUHSDVVZRUGDQG\RXUUXOH:KHQ\RXJHWWRDORJLQSURPSW\RXUHFDOO
\RXUFRUHSDVVZRUGDQGWKHQXVH\RXUUXOHWRILQLVKLWRII'RQH
1RZZDVQ
WWKDWHDV\"
$ZRUGRIFDXWLRQ7KLVLVQ
WDSHUIHFWDSSURDFK,GRQ
WEHOLHYHWKHUHLVRQH7KHUHZLOO
EHVLWHVWKDWGRQRWIRUH[DPSOHDOORZ\RXWRXVHWKH
FKDUDFWHULQDSDVVZRUG<RX
ZLOOKDYHWRUHPHPEHUWKDWYDULDWLRQLI
LVLQ\RXUFRUHSDVVZRUG*HQHUDOO\WKRXJK
LI\RXUFRUHSDVVZRUGLVWRFKDUDFWHUVORQJDQG\RXUUXOHJLYHV\RXWZRRUWKUHH
DGGLWLRQDOFKDUDFWHUV\RXZLOOEHZLWKLQWKHDFFHSWDEOHSDVVZRUGOHQJWKIRUWKHYDVW
PDMRULW\RIVLWHV3HUVRQDOO\,KDYHIRXQGWKDWWKH
FKDUDFWHULVRIWHQUHMHFWHGDVZHOO
DV
DQG
A
7KLVLVPRVWOLNHO\GXHWRSDUWLFXODUFKDUDFWHULVWLFVRIWKHODQJXDJH
WKHV\VWHPZDVZULWWHQLQ6R\RXPLJKWZDQWWRDYRLGWKRVH
6RZKDWGR\RXWKLQN":KDWRWKHUVRUWVRIWULFNVKDYH\RXXVHG",VWKHUHVRPHWKLQJ
PLVVLQJKHUH"0D\EHWKHUHLVDFRPSOHWHO\GLIIHUHQWZD\RIORRNLQJDWWKLV/HWPH
NQRZLQWKHFRPPHQWV/HW
VVWDUWDFRQYHUVDWLRQ
,I\RXIRXQGWKLVSRVWXVHIXOLQWHUHVWLQJRUHQWHUWDLQLQJFOLFNOLNHDQGVKDUHLWLQ
\RXUQHWZRUN
6KDXJQLVDYHWHUDQ,QIRUPDWLRQ7HFKQRORJ\H[HFXWLYHDQGFRQVXOWDQWWRWKH
ILQDQFLDOVHUYLFHVLQGXVWU\+LVSULPDU\LQWHUHVWVDUHOHYHUDJLQJWHFKQRORJ\LQQRYHO
ZD\VWRVROYHSUREOHPVSHUIRUPDQFHRSWLPL]HHYHU\WKLQJDQGWUDQVIRUP,7IURPD
FRVWFHQWHULQWRDVWUDWHJLFDVVHW
&RQQHFWZLWK6KDXJQRQ/LQNHG,QDQGRQ7ZLWWHU#6KDXJQ'&OLFN)ROORZDWWKH
WRSRIWKHSDJHWRJHWQHZSRVWQRWLILFDWLRQV