{"id":42441,"date":"2025-07-15T10:46:29","date_gmt":"2025-07-15T05:16:29","guid":{"rendered":"https:\/\/cliqindia.com\/marathi\/?p=42441"},"modified":"2025-07-15T10:46:29","modified_gmt":"2025-07-15T05:16:29","slug":"fob-indias-primary-employment","status":"publish","type":"post","link":"https:\/\/cliqindia.org\/marathi\/new-india\/fob-indias-primary-employment\/42441\/","title":{"rendered":"\u090f\u092b\u0913\u092c\u0940: \u092d\u093e\u0930\u0924\u093e\u091a\u0947 \u092e\u0942\u0915 \u0930\u094b\u091c\u0917\u093e\u0930 \u0907\u0902\u091c\u093f\u0928 &#8211; \u092f\u0941\u0935\u0915\u093e\u0902\u091a\u094d\u092f\u093e \u0928\u0947\u0924\u0943\u0924\u094d\u0935\u093e\u0916\u093e\u0932\u0940\u0932 \u0935\u093f\u0915\u093e\u0938\u093e\u0938\u093e\u0920\u0940 \u090f\u0915 \u091c\u093e\u0939\u0940\u0930\u0928\u093e\u092e\u093e | BulletsIn"},"content":{"rendered":"<h3 data-start=\"49\" data-end=\"120\">\u092a\u094d\u0930\u0938\u094d\u0924\u093e\u0935\u0928\u093e: \u0906\u092a\u0932\u094d\u092f\u093e \u0905\u0930\u094d\u0925\u0935\u094d\u092f\u0935\u0938\u094d\u0925\u0947\u091a\u094d\u092f\u093e \u0905\u0927\u094b\u092d\u0942\u092e\u0940\u0924 \u0905\u0938\u0932\u0947\u0932\u0940 \u0905\u092a\u094d\u0930\u092f\u0941\u0915\u094d\u0924 \u0936\u0915\u094d\u0924\u0940<\/h3>\n<p data-start=\"122\" data-end=\"324\">\u092d\u093e\u0930\u0924\u093e\u091a\u094d\u092f\u093e \u092e\u094b\u0920\u094d\u092f\u093e \u0915\u0949\u0930\u094d\u092a\u094b\u0930\u0947\u091f\u094d\u0938 \u0906\u0923\u093f \u091f\u0947\u0915 \u0938\u094d\u091f\u093e\u0930\u094d\u091f\u0905\u092a\u094d\u0938\u091a\u094d\u092f\u093e \u091d\u0917\u092e\u0917\u0924\u094d\u092f\u093e \u091c\u093e\u0939\u093f\u0930\u093e\u0924\u0940\u0902\u0906\u0921, \u090f\u0915 \u0936\u093e\u0902\u0924 \u092a\u0923 \u0905\u0924\u094d\u092f\u0902\u0924 \u092a\u094d\u0930\u092d\u093e\u0935\u0936\u093e\u0932\u0940 \u0936\u0915\u094d\u0924\u0940 \u0915\u093e\u0930\u094d\u092f\u0930\u0924 \u0906\u0939\u0947 \u2014 \u0924\u0940 \u092e\u094d\u0939\u0923\u091c\u0947 <strong data-start=\"256\" data-end=\"284\">\u092b\u0945\u092e\u093f\u0932\u0940 \u0913\u0928\u094d\u0921 \u092c\u093f\u091d\u0928\u0947\u0938 (FoB)<\/strong>, \u092e\u094d\u0939\u0923\u091c\u0947\u091a \u092a\u093e\u0930\u0902\u092a\u0930\u093f\u0915 \u0915\u0941\u091f\u0941\u0902\u092c\u093e\u0927\u093e\u0930\u093f\u0924 \u0935\u094d\u092f\u0935\u0938\u093e\u092f.<\/p>\n<p data-start=\"326\" data-end=\"634\">\u0905\u0928\u0947\u0915\u0926\u093e \u092f\u093e \u0935\u094d\u092f\u0935\u0938\u093e\u092f\u093e\u0902\u0915\u0921\u0947 \u092a\u0930\u0902\u092a\u0930\u0947\u091a\u093e \u0905\u0935\u0936\u0947\u0937 \u0915\u093f\u0902\u0935\u093e \u091c\u0941\u0928\u093e\u091f \u0930\u091a\u0928\u093e \u092e\u094d\u0939\u0923\u0942\u0928 \u092a\u093e\u0939\u093f\u0932\u0902 \u091c\u093e\u0924\u0902, \u092a\u0923 \u0939\u0947 FoBs \u092d\u093e\u0930\u0924\u093e\u091a\u094d\u092f\u093e \u0906\u0930\u094d\u0925\u093f\u0915 \u092f\u0902\u0924\u094d\u0930\u0923\u0947\u091a\u0947 \u0916\u0930\u0947 \u0928\u093e\u092f\u0915 \u0906\u0939\u0947\u0924. \u0939\u0947 \u092d\u093e\u0930\u0924\u093e\u091a\u094d\u092f\u093e GDP \u091a\u094d\u092f\u093e 75% \u092a\u0947\u0915\u094d\u0937\u093e \u0905\u0927\u093f\u0915 \u0909\u0924\u094d\u092a\u0928\u094d\u0928\u093e\u0924 \u092f\u094b\u0917\u0926\u093e\u0928 \u0926\u0947\u0924\u093e\u0924, \u0906\u0923\u093f McKinsey \u091a\u094d\u092f\u093e \u0905\u0939\u0935\u093e\u0932\u093e\u0928\u0941\u0938\u093e\u0930, 2047 \u092a\u0930\u094d\u092f\u0902\u0924 \u2014 \u092d\u093e\u0930\u0924\u093e\u091a\u094d\u092f\u093e \u0938\u094d\u0935\u093e\u0924\u0902\u0924\u094d\u0930\u094d\u092f\u093e\u091a\u094d\u092f\u093e \u0936\u0924\u093e\u092c\u094d\u0926\u0940 \u0935\u0930\u094d\u0937\u0940 \u2014 \u0939\u0947 \u092a\u094d\u0930\u092e\u093e\u0923 85% \u092a\u0930\u094d\u092f\u0902\u0924 \u091c\u093e\u090a \u0936\u0915\u0924\u0947.<\/p>\n<p data-start=\"636\" data-end=\"744\">\u0935\u094d\u0939\u0947\u0902\u091a\u0930-\u0915\u0945\u092a\u093f\u091f\u0932\u0935\u0930 \u0906\u0927\u093e\u0930\u093f\u0924 \u0938\u094d\u091f\u093e\u0930\u094d\u091f\u0905\u092a\u094d\u0938 \u0915\u093f\u0902\u0935\u093e \u0938\u0930\u0915\u093e\u0930\u0940 \u0928\u094b\u0915\u0930\u0940 \u092f\u094b\u091c\u0928\u093e\u0902\u0928\u093e \u091c\u0930\u0940 \u092a\u094d\u0930\u0938\u093f\u0926\u094d\u0927\u0940 \u092e\u093f\u0933\u0924 \u0905\u0938\u0932\u0940, \u0924\u0930\u0940 FoBs \u0917\u0941\u092a\u091a\u0942\u092a\u092a\u0923\u0947:<\/p>\n<ul data-start=\"746\" data-end=\"847\">\n<li data-start=\"746\" data-end=\"769\">\n<p data-start=\"748\" data-end=\"769\">\u0906\u0930\u094d\u0925\u093f\u0915 \u0927\u0915\u094d\u0915\u0947 \u091d\u0947\u0932\u0924\u093e\u0924<\/p>\n<\/li>\n<li data-start=\"770\" data-end=\"795\">\n<p data-start=\"772\" data-end=\"795\">\u0909\u0924\u094d\u092a\u0928\u094d\u0928 \u0928\u093f\u0930\u094d\u092e\u093e\u0923 \u0915\u0930\u0924\u093e\u0924<\/p>\n<\/li>\n<li data-start=\"796\" data-end=\"847\">\n<p data-start=\"798\" data-end=\"847\">\u0906\u0923\u093f \u0938\u0930\u094d\u0935\u093e\u0924 \u092e\u0939\u0924\u094d\u0924\u094d\u0935\u093e\u091a\u0902 \u2014 <strong data-start=\"822\" data-end=\"847\">\u0928\u094b\u0915\u0931\u094d\u092f\u093e \u0928\u093f\u0930\u094d\u092e\u093e\u0923 \u0915\u0930\u0924\u093e\u0924<\/strong><\/p>\n<\/li>\n<\/ul>\n<p data-start=\"849\" data-end=\"944\"><strong data-start=\"849\" data-end=\"944\">\u092a\u0923 \u092a\u094d\u0930\u0936\u094d\u0928 \u0905\u0938\u093e \u0906\u0939\u0947: FoBs \u092d\u093e\u0930\u0924\u093e\u091a\u094d\u092f\u093e \u0924\u0930\u0941\u0923\u093e\u0902\u0938\u093e\u0920\u0940 \u092d\u0935\u093f\u0937\u094d\u092f\u093e\u0924\u0940\u0932 \u0930\u094b\u091c\u0917\u093e\u0930\u093e\u091a\u093e \u092e\u0941\u0916\u094d\u092f \u0938\u094d\u0930\u094b\u0924 \u092c\u0928\u0942 \u0936\u0915\u0924\u093e\u0924 \u0915\u093e?<\/strong><\/p>\n<p data-start=\"946\" data-end=\"1083\">\u0909\u0924\u094d\u0924\u0930 \u0906\u0939\u0947 \u2014 <strong data-start=\"958\" data-end=\"966\">\u0939\u094b\u092f!<\/strong><br data-start=\"966\" data-end=\"969\" \/>\u091c\u0930 \u0906\u092a\u0923 \u0924\u094d\u092f\u093e\u0902\u091a\u0940 \u092c\u0932\u0938\u094d\u0925\u093e\u0928\u0947 \u0913\u0933\u0916\u0932\u0940, \u0924\u094d\u092f\u093e\u0902\u091a\u0940 \u092e\u093e\u0928\u0938\u093f\u0915\u0924\u093e \u092c\u0926\u0932\u0932\u0940, \u0906\u0923\u093f \u092d\u093e\u0930\u0924\u093e\u091a\u094d\u092f\u093e \u0924\u0930\u0941\u0923\u093e\u0902\u0928\u093e \u092f\u093e \u092a\u094d\u0930\u0935\u093e\u0938\u093e\u0924 \u0938\u0939\u092d\u093e\u0917\u0940 \u0915\u0947\u0932\u0902 \u2014 \u0924\u0930 \u0928\u0915\u094d\u0915\u0940\u091a!<\/p>\n<h3 data-start=\"1090\" data-end=\"1148\">\u092d\u093e\u0930\u0924\u093e\u0924\u0940\u0932 FoBs \u2013 \u0921\u094b\u0933\u094d\u092f\u093e\u0938\u092e\u094b\u0930 \u0905\u0938\u0932\u0947\u0932\u093e \u092a\u0923 \u0926\u0941\u0930\u094d\u0932\u0915\u094d\u0937\u093f\u0924 \u092e\u0939\u093e\u0915\u093e\u092f<\/h3>\n<p data-start=\"1150\" data-end=\"1356\">\u092d\u093e\u0930\u0924\u093e\u092e\u0927\u094d\u092f\u0947 \u0932\u093e\u0916\u094b \u0915\u0941\u091f\u0941\u0902\u092c\u093e\u0927\u093e\u0930\u093f\u0924 \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u0906\u0939\u0947\u0924 \u2014 \u0938\u0942\u0930\u0924\u092e\u0927\u0940\u0932 \u0915\u093e\u092a\u0921 \u0935\u094d\u092f\u093e\u092a\u093e\u0930\u0940, \u092a\u0941\u0923\u094d\u092f\u093e\u0924\u0940\u0932 \u0911\u091f\u094b \u092a\u093e\u0930\u094d\u091f \u0928\u093f\u0930\u094d\u092e\u093e\u0924\u0947, \u092e\u0941\u0902\u092c\u0908\u0924\u0940\u0932 \u0909\u0926\u094d\u092f\u094b\u0917\u0938\u092e\u0942\u0939 \u0906\u0923\u093f \u0926\u0947\u0936\u092d\u0930\u093e\u0924\u0940\u0932 \u0930\u093f\u091f\u0947\u0932 \u0938\u093e\u0916\u0933\u094d\u092f\u093e. \u0939\u0947 \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u0915\u0947\u0935\u0933 \u091a\u093e\u0932\u0942 \u0928\u093e\u0939\u0940\u0924 \u2014 <strong data-start=\"1326\" data-end=\"1355\">\u0909\u0924\u094d\u0915\u0943\u0937\u094d\u091f \u0915\u093e\u092e\u0917\u093f\u0930\u0940 \u0915\u0930\u0924 \u0906\u0939\u0947\u0924<\/strong>.<\/p>\n<p data-start=\"1358\" data-end=\"1403\"><strong data-start=\"1358\" data-end=\"1403\">McKinsey \u091a\u094d\u092f\u093e 2024 \u091a\u094d\u092f\u093e FoBs \u0905\u0939\u0935\u093e\u0932\u093e\u0928\u0941\u0938\u093e\u0930:<\/strong><\/p>\n<ul data-start=\"1405\" data-end=\"1629\">\n<li data-start=\"1405\" data-end=\"1482\">\n<p data-start=\"1407\" data-end=\"1482\">2017 \u0924\u0947 2022 \u092f\u093e \u0915\u093e\u0933\u093e\u0924, FoBs \u091a\u093e \u092e\u0939\u0938\u0942\u0932\u0935\u093e\u0922 \u0926\u0930 non-FoBs \u092a\u0947\u0915\u094d\u0937\u093e 2.3% \u0905\u0927\u093f\u0915 \u0939\u094b\u0924\u093e<\/p>\n<\/li>\n<li data-start=\"1483\" data-end=\"1555\">\n<p data-start=\"1485\" data-end=\"1555\">10 \u0935\u0930\u094d\u0937\u093e\u0902\u0924, \u0924\u094d\u092f\u093e\u0902\u091a\u093e \u0936\u0947\u0905\u0930\u0939\u094b\u0932\u094d\u0921\u0930 \u0930\u093f\u091f\u0930\u094d\u0928 \u0907\u0924\u0930 \u0915\u0902\u092a\u0928\u094d\u092f\u093e\u0902\u092a\u0947\u0915\u094d\u0937\u093e \u0926\u0941\u092a\u094d\u092a\u091f \u0939\u094b\u0924\u093e<\/p>\n<\/li>\n<li data-start=\"1556\" data-end=\"1629\">\n<p data-start=\"1558\" data-end=\"1629\">\u091f\u0949\u092a 20% FoBs \u091a\u0947 \u0911\u092a\u0930\u0947\u091f\u093f\u0902\u0917 \u092e\u093e\u0930\u094d\u091c\u093f\u0928 \u0907\u0924\u0930\u093e\u0902\u092a\u0947\u0915\u094d\u0937\u093e 6.3 \u091f\u0915\u094d\u0915\u094d\u092f\u093e\u0902\u0928\u0940 \u0905\u0927\u093f\u0915 \u0939\u094b\u0924\u0947<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"1631\" data-end=\"1899\"><strong data-start=\"1631\" data-end=\"1709\">\u092a\u0923 \u0916\u0930\u0940 \u0924\u093e\u0915\u0926 \u0906\u0930\u094d\u0925\u093f\u0915 \u0906\u0915\u0921\u094d\u092f\u093e\u0902\u092e\u0927\u094d\u092f\u0947 \u0928\u093e\u0939\u0940 \u2014 \u0924\u0930 \u0930\u094b\u091c\u0917\u093e\u0930 \u0928\u093f\u0930\u094d\u092e\u093f\u0924\u0940\u091a\u094d\u092f\u093e \u0915\u094d\u0937\u092e\u0924\u0947\u0924 \u0906\u0939\u0947.<\/strong><br data-start=\"1709\" data-end=\"1712\" \/>\u091c\u093f\u0925\u0947 \u0938\u094d\u091f\u093e\u0930\u094d\u091f\u0905\u092a\u094d\u0938 \u0911\u091f\u094b\u092e\u0947\u0936\u0928 \u0906\u0923\u093f \u0915\u0947\u0902\u0926\u094d\u0930\u0940\u0915\u0930\u0923\u093e\u0935\u0930 \u092d\u0930 \u0926\u0947\u0924\u093e\u0924, \u0924\u093f\u0925\u0947 FoBs <strong data-start=\"1775\" data-end=\"1796\">\u0915\u094d\u0937\u0947\u0924\u094d\u0930\u0940\u092f \u092a\u093e\u0924\u0933\u0940\u0935\u0930<\/strong> \u0935\u093f\u0915\u093e\u0938 \u0915\u0930\u0924\u093e\u0924 \u2014 \u0935\u093f\u0936\u0947\u0937\u0924\u0903 \u091f\u093f\u092f\u0930 2 \u0906\u0923\u093f \u091f\u093f\u092f\u0930 3 \u0936\u0939\u0930\u093e\u0902\u092e\u0927\u094d\u092f\u0947, \u091c\u093f\u0925\u0947 \u0924\u0947\u091a \u0915\u0927\u0940\u0915\u0927\u0940 \u090f\u0915\u092e\u0947\u0935 \u0914\u092a\u091a\u093e\u0930\u093f\u0915 \u0928\u094b\u0915\u0930\u0940\u091a\u0947 \u0938\u094d\u0930\u094b\u0924 \u0905\u0938\u0924\u093e\u0924.<\/p>\n<h3 data-start=\"1906\" data-end=\"1950\">FoBs \u0915\u0938\u0947 \u0928\u093f\u0930\u094d\u092e\u093e\u0923 \u0915\u0930\u0942 \u0936\u0915\u0924\u093e\u0924 \u0935\u094d\u092f\u093e\u092a\u0915 \u0930\u094b\u091c\u0917\u093e\u0930<\/h3>\n<p data-start=\"1952\" data-end=\"2081\">FoBs \u0928\u0947\u0939\u092e\u0940\u092a\u093e\u0938\u0942\u0928 \u0928\u094b\u0915\u0931\u094d\u092f\u093e \u0928\u093f\u0930\u094d\u092e\u093e\u0923 \u0915\u0930\u0924 \u0906\u0932\u0947 \u0906\u0939\u0947\u0924, \u092a\u0923 \u0906\u0924\u093e McKinsey \u0938\u093e\u0902\u0917\u0924\u0947 \u0915\u0940 \u0924\u094d\u092f\u093e\u0902\u091a\u094d\u092f\u093e\u0938\u092e\u094b\u0930 \u090f\u0915 \u0928\u093f\u0935\u0921 \u0906\u0939\u0947: <strong data-start=\"2051\" data-end=\"2080\">\u0938\u094d\u0925\u0917\u093f\u0924 \u0939\u094b\u0923\u0947 \u0915\u093f\u0902\u0935\u093e \u0935\u093f\u0938\u094d\u0924\u093e\u0930<\/strong>.<\/p>\n<p data-start=\"2083\" data-end=\"2179\">\u091a\u093e\u0902\u0917\u0932\u0940 \u092c\u093e\u0924\u092e\u0940 \u0905\u0936\u0940 \u0915\u0940, \u0906\u0918\u093e\u0921\u0940\u091a\u094d\u092f\u093e FoBs \u0928\u0940 \u0926\u093e\u0916\u0935\u0942\u0928 \u0926\u093f\u0932\u0902 \u0906\u0939\u0947 \u0915\u0940 <strong data-start=\"2141\" data-end=\"2178\">\u0935\u093f\u0938\u094d\u0924\u093e\u0930 \u0906\u0923\u093f \u0930\u094b\u091c\u0917\u093e\u0930 \u0935\u093e\u0922 \u2014 \u0936\u0915\u094d\u092f \u0906\u0939\u0947<\/strong>.<\/p>\n<p data-start=\"2181\" data-end=\"2206\"><strong data-start=\"2181\" data-end=\"2206\">\u092a\u093e\u091a \u092e\u0939\u0924\u094d\u0924\u094d\u0935\u093e\u091a\u0947 \u092e\u093e\u0930\u094d\u0917:<\/strong><\/p>\n<h4 data-start=\"2208\" data-end=\"2240\">1. \u0935\u093f\u0935\u093f\u0927 \u0915\u094d\u0937\u0947\u0924\u094d\u0930\u093e\u0902\u0924 \u0935\u093f\u0938\u094d\u0924\u093e\u0930<\/h4>\n<p data-start=\"2242\" data-end=\"2407\">\u092f\u0936\u0938\u094d\u0935\u0940 FoBs \u0924\u094d\u092f\u093e\u0902\u091a\u094d\u092f\u093e \u092e\u0942\u0933 \u0935\u094d\u092f\u0935\u0938\u093e\u092f\u093e\u092c\u093e\u0939\u0947\u0930 \u091c\u093e\u090a\u0928 \u0907\u0924\u0930 \u0915\u094d\u0937\u0947\u0924\u094d\u0930\u093e\u0902\u0924 (\u091c\u0938\u0947 \u0915\u0940 agri-tech, logistics, green energy) \u0917\u0941\u0902\u0924\u0935\u0923\u0942\u0915 \u0915\u0930\u0924\u093e\u0924. \u092f\u093e\u092e\u0941\u0933\u0947 \u0928\u0935\u0940\u0928 \u0909\u0926\u094d\u092f\u094b\u0917 \u0906\u0923\u093f \u0928\u094b\u0915\u0931\u094d\u092f\u093e \u0928\u093f\u0930\u094d\u092e\u093e\u0923 \u0939\u094b\u0924\u093e\u0924.<\/p>\n<h4 data-start=\"2409\" data-end=\"2439\">2. \u0928\u0947\u0924\u0943\u0924\u094d\u0935\u093e\u0924 \u0935\u094d\u092f\u093e\u0935\u0938\u093e\u092f\u093f\u0915\u0924\u093e<\/h4>\n<p data-start=\"2441\" data-end=\"2517\">FoBs \u0906\u0924\u093e \u0915\u094c\u091f\u0941\u0902\u092c\u093f\u0915 \u0928\u093f\u092f\u0902\u0924\u094d\u0930\u0923 \u0938\u094b\u0921\u0942\u0928 <strong data-start=\"2474\" data-end=\"2509\">\u092c\u093e\u0939\u094d\u092f CEO, CFO \u0935 \u0907\u0924\u0930 \u0935\u094d\u092f\u093e\u0935\u0938\u093e\u092f\u093f\u0915<\/strong> \u0928\u0947\u092e\u0924\u093e\u0924:<\/p>\n<ul data-start=\"2519\" data-end=\"2621\">\n<li data-start=\"2519\" data-end=\"2548\">\n<p data-start=\"2521\" data-end=\"2548\">\u0911\u092a\u0930\u0947\u0936\u0928\u0932 \u0915\u093e\u0930\u094d\u092f\u0915\u094d\u0937\u092e\u0924\u093e \u0935\u093e\u0922\u0924\u0947<\/p>\n<\/li>\n<li data-start=\"2549\" data-end=\"2594\">\n<p data-start=\"2551\" data-end=\"2594\">\u091c\u093e\u0917\u0924\u093f\u0915 \u092a\u093e\u0924\u0933\u0940\u0935\u0930\u091a\u0947 \u091a\u093e\u0902\u0917\u0932\u0947 \u092a\u094d\u0930\u0925\u0947\u0938 \u0906\u0923\u0932\u0947 \u091c\u093e\u0924\u093e\u0924<\/p>\n<\/li>\n<li data-start=\"2595\" data-end=\"2621\">\n<p data-start=\"2597\" data-end=\"2621\">\u0924\u0930\u0941\u0923\u093e\u0902\u0938\u093e\u0920\u0940 \u0938\u0902\u0927\u0940 \u0935\u093e\u0922\u0924\u093e\u0924<\/p>\n<\/li>\n<\/ul>\n<h4 data-start=\"2623\" data-end=\"2654\">3. \u0938\u094d\u0925\u093e\u0928\u093f\u0915 \u0930\u094b\u091c\u0917\u093e\u0930 \u0928\u093f\u0930\u094d\u092e\u093f\u0924\u0940<\/h4>\n<p data-start=\"2656\" data-end=\"2857\">FoBs \u092e\u094b\u0920\u094d\u092f\u093e \u0936\u0939\u0930\u093e\u0902\u092a\u0941\u0930\u0924\u0947 \u092e\u0930\u094d\u092f\u093e\u0926\u093f\u0924 \u0928\u0938\u0924\u093e\u0924 \u2014 \u0924\u0947 \u0932\u0939\u093e\u0928 \u0936\u0939\u0930\u0902 \u0906\u0923\u093f \u0917\u093e\u0935\u093e\u0902\u092e\u0927\u094d\u092f\u0947\u0939\u0940 \u0905\u0938\u0924\u093e\u0924. \u0924\u094d\u092f\u093e\u092e\u0941\u0933\u0947 <strong data-start=\"2742\" data-end=\"2760\">\u0938\u092e\u093e\u0935\u0947\u0936\u0915 \u0930\u094b\u091c\u0917\u093e\u0930<\/strong> \u0928\u093f\u0930\u094d\u092e\u093f\u0924\u0940 \u0936\u0915\u094d\u092f \u0939\u094b\u0924\u0947 \u2014 \u0909\u0926\u093e\u0939\u0930\u0923\u093e\u0930\u094d\u0925, \u0930\u093e\u091c\u0938\u094d\u0925\u093e\u0928\u092e\u0927\u0940\u0932 \u0915\u093e\u0930\u093e\u0917\u0940\u0930 \u0915\u093f\u0902\u0935\u093e \u0924\u093e\u092e\u093f\u0933\u0928\u093e\u0921\u0942\u092e\u0927\u0940\u0932 \u0907\u0932\u0947\u0915\u094d\u091f\u094d\u0930\u0949\u0928\u093f\u0915\u094d\u0938 \u0915\u093e\u092e\u0917\u093e\u0930.<\/p>\n<h4 data-start=\"2859\" data-end=\"2903\">4. \u0921\u093f\u091c\u093f\u091f\u093e\u092f\u091d\u0947\u0936\u0928 \u0906\u0923\u093f \u0938\u094d\u091f\u093e\u0930\u094d\u091f\u0905\u092a \u0907\u0928\u0915\u094d\u092f\u0941\u092c\u0947\u0936\u0928<\/h4>\n<p data-start=\"2905\" data-end=\"2919\">\u0905\u0928\u0947\u0915 FoBs \u0906\u0924\u093e:<\/p>\n<ul data-start=\"2921\" data-end=\"3031\">\n<li data-start=\"2921\" data-end=\"2961\">\n<p data-start=\"2923\" data-end=\"2961\">\u0938\u094d\u0935\u0924\u0903\u091a\u0947 \u091f\u0947\u0915 \u092a\u094d\u0932\u0945\u091f\u092b\u0949\u0930\u094d\u092e \u0924\u092f\u093e\u0930 \u0915\u0930\u0924 \u0906\u0939\u0947\u0924<\/p>\n<\/li>\n<li data-start=\"2962\" data-end=\"2991\">\n<p data-start=\"2964\" data-end=\"2991\">D2C \u092c\u094d\u0930\u0901\u0921\u094d\u0938 \u0932\u093e\u0901\u091a \u0915\u0930\u0924 \u0906\u0939\u0947\u0924<\/p>\n<\/li>\n<li data-start=\"2992\" data-end=\"3031\">\n<p data-start=\"2994\" data-end=\"3031\">\u0938\u094d\u091f\u093e\u0930\u094d\u091f\u0905\u092a\u094d\u0938 \u0907\u0915\u094b\u0938\u093f\u0938\u094d\u091f\u092e \u0924\u092f\u093e\u0930 \u0915\u0930\u0924 \u0906\u0939\u0947\u0924<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"3033\" data-end=\"3108\">\u0939\u0940 \u0938\u0917\u0933\u0940 \u0915\u094d\u0937\u0947\u0924\u094d\u0930\u0902 \u0924\u0930\u0941\u0923 \u0905\u092d\u093f\u092f\u0902\u0924\u0947, \u0921\u093f\u091d\u093e\u092f\u0928\u0930\u094d\u0938, AI-\u0924\u091c\u094d\u091e\u093e\u0902\u0938\u093e\u0920\u0940 \u0938\u0902\u0927\u0940 \u0928\u093f\u0930\u094d\u092e\u093e\u0923 \u0915\u0930\u0924\u093e\u0924.<\/p>\n<h4 data-start=\"3110\" data-end=\"3136\">5. \u0938\u092a\u094d\u0932\u093e\u092f \u091a\u0947\u0928 \u0935\u093f\u0938\u094d\u0924\u093e\u0930<\/h4>\n<p data-start=\"3138\" data-end=\"3226\">FoBs \u0935\u093f\u0935\u093f\u0927 \u0909\u0926\u094d\u092f\u094b\u0917 \u0938\u093e\u0916\u0933\u094d\u092f\u093e\u0902\u092e\u0927\u094d\u092f\u0947 \u0915\u093e\u0930\u094d\u092f\u0930\u0924 \u0905\u0938\u0924\u093e\u0924 \u2014 \u0909\u0924\u094d\u092a\u093e\u0926\u0928, \u0932\u0949\u091c\u093f\u0938\u094d\u091f\u093f\u0915\u094d\u0938, \u0930\u093f\u091f\u0947\u0932 \u0907. \u0924\u094d\u092f\u093e\u092e\u0941\u0933\u0947:<\/p>\n<ul data-start=\"3228\" data-end=\"3346\">\n<li data-start=\"3228\" data-end=\"3242\">\n<p data-start=\"3230\" data-end=\"3242\">\u0921\u094d\u0930\u093e\u092f\u0935\u094d\u0939\u0930,<\/p>\n<\/li>\n<li data-start=\"3243\" data-end=\"3263\">\n<p data-start=\"3245\" data-end=\"3263\">\u0935\u0947\u0905\u0930\u0939\u093e\u090a\u0938 \u092e\u0945\u0928\u0947\u091c\u0930,<\/p>\n<\/li>\n<li data-start=\"3264\" data-end=\"3285\">\n<p data-start=\"3266\" data-end=\"3285\">\u0935\u093f\u0915\u094d\u0930\u0940 \u092a\u094d\u0930\u0924\u093f\u0928\u093f\u0927\u0940,<\/p>\n<\/li>\n<li data-start=\"3286\" data-end=\"3346\">\n<p data-start=\"3288\" data-end=\"3346\">\u0916\u0930\u0947\u0926\u0940 \u0905\u0927\u093f\u0915\u093e\u0930\u0940 \u2014 \u092f\u093e\u0902\u0938\u093e\u0930\u0916\u094d\u092f\u093e \u092d\u0942\u092e\u093f\u0915\u093e\u0902\u0938\u093e\u0920\u0940 \u0938\u0902\u0927\u0940 \u0928\u093f\u0930\u094d\u092e\u093e\u0923 \u0939\u094b\u0924\u093e\u0924.<\/p>\n<\/li>\n<\/ul>\n<h3 data-start=\"3353\" data-end=\"3402\">\u092d\u093e\u0930\u0924\u093e\u091a\u094d\u092f\u093e \u0924\u0930\u0941\u0923\u093e\u0902\u0928\u093e \u0924\u092f\u093e\u0930 \u0915\u0930\u0923\u0902 \u2014 \u092f\u093e \u0915\u094d\u0930\u093e\u0902\u0924\u0940\u0938\u093e\u0920\u0940<\/h3>\n<p data-start=\"3404\" data-end=\"3499\">FoBs \u092e\u094d\u0939\u0923\u091c\u0947 \u091c\u092e\u0940\u0928, \u0906\u0923\u093f \u092d\u093e\u0930\u0924\u093e\u091a\u0947 \u0924\u0930\u0941\u0923 \u092e\u094d\u0939\u0923\u091c\u0947 \u092c\u0940\u091c. \u092a\u0923 \u0939\u094d\u092f\u093e \u0938\u092e\u0940\u0915\u0930\u0923\u093e\u091a\u0902 \u092b\u0941\u0932\u0923\u0902 <strong data-start=\"3475\" data-end=\"3498\">\u0924\u092f\u093e\u0930\u0940\u0935\u0930 \u0905\u0935\u0932\u0902\u092c\u0942\u0928 \u0906\u0939\u0947<\/strong>.<\/p>\n<p data-start=\"3501\" data-end=\"3640\">FoBs \u091a\u0902 \u092d\u0935\u093f\u0937\u094d\u200d\u092f \u0924\u0930\u0941\u0923 \u092d\u093e\u0930\u0924\u0940\u092f\u093e\u0902\u0935\u0930 \u0905\u0935\u0932\u0902\u092c\u0942\u0928 \u0906\u0939\u0947 \u2014 \u0924\u0947 \u0915\u0947\u0935\u0933 \u0915\u0930\u094d\u092e\u091a\u093e\u0930\u0940 \u092e\u094d\u0939\u0923\u0942\u0928 \u0928\u0935\u094d\u0939\u0947, \u0924\u0930 <strong data-start=\"3581\" data-end=\"3616\">\u0938\u0939-\u0928\u093f\u0930\u094d\u092e\u093e\u0924\u0947 \u0906\u0923\u093f \u0938\u0941\u0927\u093e\u0930\u0923\u093e\u0902\u091a\u0947 \u0935\u093e\u0939\u0915<\/strong> \u092e\u094d\u0939\u0923\u0942\u0928 \u092a\u0941\u0922\u0947 \u092f\u093e\u092f\u0932\u093e \u0939\u0935\u0947\u0924.<\/p>\n<p data-start=\"3642\" data-end=\"3671\"><strong data-start=\"3642\" data-end=\"3671\">\u0924\u0930\u0941\u0923\u093e\u0902\u0928\u0940 \u0915\u093e\u092f \u0936\u093f\u0915\u093e\u092f\u0932\u093e \u0939\u0935\u0902:<\/strong><\/p>\n<ul data-start=\"3673\" data-end=\"3873\">\n<li data-start=\"3673\" data-end=\"3731\">\n<p data-start=\"3675\" data-end=\"3731\"><strong data-start=\"3675\" data-end=\"3698\">\u0935\u094d\u092f\u0935\u0938\u093e\u092f \u092e\u0942\u0932\u0924\u0924\u094d\u0924\u094d\u0935\u0947:<\/strong> \u0911\u092a\u0930\u0947\u0936\u0928\u094d\u0938, \u092b\u093e\u092f\u0928\u093e\u0928\u094d\u0938, \u0938\u094d\u091f\u094d\u0930\u0945\u091f\u0947\u091c\u0940<\/p>\n<\/li>\n<li data-start=\"3732\" data-end=\"3769\">\n<p data-start=\"3734\" data-end=\"3769\"><strong data-start=\"3734\" data-end=\"3753\">\u0921\u093f\u091c\u093f\u091f\u0932 \u0915\u094c\u0936\u0932\u094d\u092f\u0902:<\/strong> CRM, AI, \u0921\u0947\u091f\u093e<\/p>\n<\/li>\n<li data-start=\"3770\" data-end=\"3816\">\n<p data-start=\"3772\" data-end=\"3816\"><strong data-start=\"3772\" data-end=\"3791\">\u0936\u093e\u0936\u094d\u0935\u0924\u0924\u093e \u0935\u093f\u091a\u093e\u0930:<\/strong> \u0939\u0930\u093f\u0924 \u0906\u0923\u093f \u0928\u0948\u0924\u093f\u0915 \u0935\u094d\u092f\u0935\u0938\u093e\u092f<\/p>\n<\/li>\n<li data-start=\"3817\" data-end=\"3873\">\n<p data-start=\"3819\" data-end=\"3873\"><strong data-start=\"3819\" data-end=\"3831\">\u0928\u0947\u0924\u0943\u0924\u094d\u0935:<\/strong> \u0906\u0921\u0928\u093e\u0935\u093e\u0935\u0930 \u0928\u093e\u0939\u0940, \u0924\u0930 \u0915\u094d\u0937\u092e\u0924\u0947\u0935\u0930 \u0906\u0927\u093e\u0930\u093f\u0924 \u0928\u0947\u0924\u0943\u0924\u094d\u0935<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"3875\" data-end=\"4009\">McKinsey \u091a\u0902 \u0928\u093f\u0930\u0940\u0915\u094d\u0937\u0923: <strong data-start=\"3897\" data-end=\"3938\">FoBs \u091a\u0902 \u0915\u093e\u0930\u094d\u092f\u0915\u094d\u0937\u092e\u0924\u093e \u0926\u0930 \u092a\u093f\u0922\u0940\u0928\u0941\u0938\u093e\u0930 \u0918\u091f\u0924\u0947<\/strong>, \u092e\u0941\u0916\u094d\u092f\u0924\u0903 \u0928\u0947\u0924\u0943\u0924\u094d\u0935\u093e\u0924\u0940\u0932 \u0905\u0902\u0924\u0930\u093e\u092e\u0941\u0933\u0947 \u0906\u0923\u093f \u092a\u094d\u0930\u093e.\u0936\u093e\u0938\u0928 \u0938\u094d\u0935\u0940\u0915\u093e\u0930\u0923\u094d\u092f\u093e\u0938 \u0905\u0928\u093f\u091a\u094d\u091b\u0947\u092e\u0941\u0933\u0947.<\/p>\n<p data-start=\"4011\" data-end=\"4054\"><strong data-start=\"4011\" data-end=\"4054\">\u0939\u0940 \u0924\u0930\u0941\u0923\u093e\u0902\u0938\u093e\u0920\u0940 \u0938\u0902\u0927\u0940 \u0906\u0939\u0947 \u2014 \u092c\u0926\u0932 \u0918\u0921\u0935\u0923\u094d\u092f\u093e\u091a\u0940!<\/strong><\/p>\n<h3 data-start=\"4061\" data-end=\"4118\">FoBs \u091a\u094d\u092f\u093e \u092e\u093e\u0927\u094d\u092f\u092e\u093e\u0924\u0942\u0928 \u0905\u0927\u093f\u0915 \u0928\u0948\u0924\u093f\u0915 \u0935 \u0938\u092e\u093e\u0935\u0947\u0936\u0915 \u0938\u092e\u093e\u091c \u092c\u093e\u0902\u0927\u0923\u0902<\/h3>\n<p data-start=\"4120\" data-end=\"4204\">FoBs \u0939\u0947 \u092e\u0942\u0932\u094d\u092f\u093e\u0927\u093f\u0937\u094d\u0920\u093f\u0924 \u0905\u0938\u0924\u093e\u0924 \u2014 \u0935\u093f\u0936\u094d\u200d\u0935\u093e\u0938, \u0935\u093e\u0930\u0938\u093e, \u0906\u0923\u093f \u0926\u0940\u0930\u094d\u0918\u0915\u093e\u0932\u0940\u0928 \u0926\u0943\u0937\u094d\u091f\u093f\u0915\u094b\u0928 \u092f\u093e\u0935\u0930 \u0906\u0927\u093e\u0930\u093f\u0924.<\/p>\n<p data-start=\"4206\" data-end=\"4234\">\u0915\u0932\u094d\u092a\u0928\u093e \u0915\u0930\u093e, \u091c\u0930 \u092a\u094d\u0930\u0924\u094d\u092f\u0947\u0915 FoB:<\/p>\n<ul data-start=\"4236\" data-end=\"4393\">\n<li data-start=\"4236\" data-end=\"4270\">\n<p data-start=\"4238\" data-end=\"4270\">\u0932\u093f\u0902\u0917-\u0938\u0902\u0924\u0941\u0932\u093f\u0924 \u0928\u0947\u0924\u0943\u0924\u094d\u0935 \u0938\u094d\u0935\u0940\u0915\u093e\u0930\u0947\u0932<\/p>\n<\/li>\n<li data-start=\"4271\" data-end=\"4315\">\n<p data-start=\"4273\" data-end=\"4315\">\u0938\u094d\u0925\u093e\u0928\u093f\u0915 \u0936\u093f\u0915\u094d\u0937\u0923 \u0935 \u0906\u0930\u094b\u0917\u094d\u092f\u093e\u0935\u0930 \u0917\u0941\u0902\u0924\u0935\u0923\u0942\u0915 \u0915\u0930\u0947\u0932<\/p>\n<\/li>\n<li data-start=\"4316\" data-end=\"4352\">\n<p data-start=\"4318\" data-end=\"4352\">\u092a\u093e\u0930\u0926\u0930\u094d\u0936\u0915 \u0909\u0924\u094d\u0924\u0930\u093e\u0927\u093f\u0915\u093e\u0930 \u0927\u094b\u0930\u0923 \u0930\u093e\u092c\u0935\u0947\u0932<\/p>\n<\/li>\n<li data-start=\"4353\" data-end=\"4393\">\n<p data-start=\"4355\" data-end=\"4393\">\u0926\u0941\u0930\u094d\u092c\u0932 \u0918\u091f\u0915\u093e\u0902\u0938\u093e\u0920\u0940 \u0930\u094b\u091c\u0917\u093e\u0930 \u0928\u093f\u0930\u094d\u092e\u093e\u0923 \u0915\u0930\u0947\u0932<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"4395\" data-end=\"4586\">\u0915\u093e\u0939\u0940 FoBs \u0939\u0947 \u0906\u0927\u0940\u091a \u0915\u0930\u0924 \u0906\u0939\u0947\u0924 \u2014 \u092b\u0945\u092e\u093f\u0932\u0940 \u0915\u0949\u0928\u094d\u0938\u094d\u091f\u093f\u091f\u094d\u092f\u0941\u0936\u0928, \u092a\u094d\u0930\u094b\u092b\u0947\u0936\u0928\u0932 \u092c\u094b\u0930\u094d\u0921, \u0906\u0923\u093f \u092a\u0930\u094b\u092a\u0915\u093e\u0930\u0940 \u0915\u093e\u092e\u093e\u0902\u091a\u094d\u092f\u093e \u092e\u093e\u0927\u094d\u092f\u092e\u093e\u0924\u0942\u0928.<br data-start=\"4498\" data-end=\"4501\" \/><strong data-start=\"4501\" data-end=\"4586\">\u0928\u0948\u0924\u093f\u0915 \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u0939\u0947 \u092b\u0915\u094d\u0924 \u0928\u094b\u0915\u0931\u094d\u092f\u093e \u0928\u093f\u0930\u094d\u092e\u093e\u0923 \u0915\u0930\u0924 \u0928\u093e\u0939\u0940 \u2014 \u0924\u0930 \u092a\u094d\u0930\u0924\u093f\u0937\u094d\u0920\u093e \u0926\u0947\u0916\u0940\u0932 \u0928\u093f\u0930\u094d\u092e\u093e\u0923 \u0915\u0930\u0924\u094b.<\/strong><\/p>\n<h3 data-start=\"4593\" data-end=\"4646\">\u092d\u093e\u0930\u0924\u093e\u091a\u0940 \u0930\u0923\u0928\u0940\u0924\u0940 \u2014 <strong data-start=\"4614\" data-end=\"4646\">\u0924\u0930\u0941\u0923 \u00d7 FoBs = \u091c\u093e\u0917\u0924\u093f\u0915 \u0928\u0947\u0924\u0943\u0924\u094d\u0935<\/strong><\/h3>\n<p data-start=\"4648\" data-end=\"4661\">\u092d\u093e\u0930\u0924\u093e\u0915\u0921\u0947 \u0906\u0939\u0947:<\/p>\n<ul data-start=\"4663\" data-end=\"4778\">\n<li data-start=\"4663\" data-end=\"4727\">\n<p data-start=\"4665\" data-end=\"4727\">\u091c\u0917\u093e\u0924\u0940\u0932 \u0938\u0930\u094d\u0935\u093e\u0924 \u092e\u094b\u0920\u0940 \u0924\u0930\u0941\u0923 \u0932\u094b\u0915\u0938\u0902\u0916\u094d\u092f\u093e (66% \u0935\u092f\u094b\u0917\u091f 35 \u0935\u0930\u094d\u0937\u093e\u0902\u0916\u093e\u0932\u0940\u0932)<\/p>\n<\/li>\n<li data-start=\"4728\" data-end=\"4778\">\n<p data-start=\"4730\" data-end=\"4778\">\u0906\u0923\u093f \u091c\u0917\u093e\u0924\u0940\u0932 \u0938\u0930\u094d\u0935\u093e\u0924 \u092e\u094b\u0920\u0902 \u0915\u0941\u091f\u0941\u0902\u092c\u093e\u0927\u093e\u0930\u093f\u0924 \u0935\u094d\u092f\u0935\u0938\u093e\u092f \u091c\u093e\u0933\u0902<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"4780\" data-end=\"4818\">\u0939\u0947 \u090f\u0915\u0924\u094d\u0930 <strong data-start=\"4789\" data-end=\"4817\">\u0907\u0924\u0930 \u0915\u094b\u0923\u0924\u094d\u092f\u093e\u0939\u0940 \u0926\u0947\u0936\u093e\u0924 \u0928\u093e\u0939\u0940<\/strong>.<\/p>\n<p data-start=\"4820\" data-end=\"4864\">\u091c\u0930 \u0939\u0947 \u0938\u0902\u092f\u094b\u0917 \u092f\u094b\u0917\u094d\u092f\u0930\u093f\u0924\u094d\u092f\u093e \u0938\u0915\u094d\u0937\u092e \u0915\u0947\u0932\u0902, \u0924\u0930 \u092d\u093e\u0930\u0924:<\/p>\n<ul data-start=\"4866\" data-end=\"5027\">\n<li data-start=\"4866\" data-end=\"4903\">\n<p data-start=\"4868\" data-end=\"4903\">\u0909\u0924\u094d\u092a\u093e\u0926\u0928 \u0930\u094b\u091c\u0917\u093e\u0930\u093e\u0924 \u091a\u0940\u0928\u0932\u093e \u092e\u093e\u0917\u0947 \u091f\u093e\u0915\u0947\u0932<\/p>\n<\/li>\n<li data-start=\"4904\" data-end=\"4950\">\n<p data-start=\"4906\" data-end=\"4950\">\u0917\u094d\u0932\u094b\u092c\u0932 \u0938\u093e\u090a\u0925 \u092e\u0927\u094d\u092f\u0947 \u0909\u0926\u094d\u092f\u094b\u091c\u0915\u0924\u0947\u091a\u0902 \u0928\u0947\u0924\u0943\u0924\u094d\u0935 \u0915\u0930\u0947\u0932<\/p>\n<\/li>\n<li data-start=\"4951\" data-end=\"5027\">\n<p data-start=\"4953\" data-end=\"5027\">\u0928\u0935\u094d\u092f\u093e \u092a\u094d\u0930\u0915\u093e\u0930\u091a\u093e \u2014 \u092e\u093e\u0928\u0935\u0915\u0947\u0902\u0926\u094d\u0930\u093f\u0924, \u0915\u0941\u091f\u0941\u0902\u092c-\u0915\u0947\u0902\u0926\u094d\u0930\u093f\u0924 \u092d\u093e\u0902\u0921\u0935\u0932\u0935\u093e\u0926 \u2014 \u092a\u0930\u093f\u092d\u093e\u0937\u093f\u0924 \u0915\u0930\u0947\u0932<\/p>\n<\/li>\n<\/ul>\n<h3 data-start=\"5034\" data-end=\"5067\">\u0928\u093f\u0937\u094d\u0915\u0930\u094d\u0937: \u092a\u0941\u0922\u0947 \u091c\u093e\u0923\u094d\u092f\u093e\u091a\u093e \u0928\u0915\u093e\u0936\u093e<\/h3>\n<p data-start=\"5069\" data-end=\"5186\">FoBs \u092e\u094d\u0939\u0923\u091c\u0947 \u092d\u0942\u0924\u0915\u093e\u0933\u093e\u091a\u0947 \u0905\u0935\u0936\u0947\u0937 \u0928\u093e\u0939\u0940\u0924. \u0924\u0947 \u092e\u094d\u0939\u0923\u091c\u0947 <strong data-start=\"5114\" data-end=\"5149\">\u092d\u0935\u093f\u0937\u094d\u092f\u093e\u0924\u0940\u0932 \u092d\u093e\u0930\u0924\u093e\u0938\u093e\u0920\u0940 \u0938\u0941\u092a\u0940\u0915 \u092e\u093e\u0924\u0940<\/strong> \u0906\u0939\u0947 \u2014 \u092f\u094b\u0917\u094d\u092f \u092a\u094d\u0930\u0915\u093e\u0930\u0947 \u092a\u093f\u0915\u0935\u0932\u0940 \u0917\u0947\u0932\u0940, \u0924\u0930.<\/p>\n<p data-start=\"5188\" data-end=\"5208\">\u0915\u0932\u094d\u092a\u0928\u093e \u0915\u0930\u093e \u0905\u0938\u0902 \u092d\u093e\u0930\u0924:<\/p>\n<ul data-start=\"5210\" data-end=\"5391\">\n<li data-start=\"5210\" data-end=\"5257\">\n<p data-start=\"5212\" data-end=\"5257\">\u091c\u093f\u0925\u0947 \u092a\u094d\u0930\u0924\u094d\u092f\u0947\u0915 \u0924\u0930\u0941\u0923 FoBs \u092e\u0927\u094d\u092f\u0947 \u0928\u0947\u0924\u0943\u0924\u094d\u0935 \u0936\u094b\u0927\u0924\u094b<\/p>\n<\/li>\n<li data-start=\"5258\" data-end=\"5325\">\n<p data-start=\"5260\" data-end=\"5325\">\u091c\u093f\u0925\u0947 \u0915\u0941\u091f\u0941\u0902\u092c\u0902 \u092c\u0926\u0932 \u0938\u094d\u0935\u0940\u0915\u093e\u0930\u0924\u093e\u0924 \u2014 \u092d\u0940\u0924\u0940 \u092e\u094d\u0939\u0923\u0942\u0928 \u0928\u0935\u094d\u0939\u0947, \u0924\u0930 \u0924\u093e\u0915\u0926 \u092e\u094d\u0939\u0923\u0942\u0928<\/p>\n<\/li>\n<li data-start=\"5326\" data-end=\"5391\">\n<p data-start=\"5328\" data-end=\"5391\">\u091c\u093f\u0925\u0947 \u092a\u094d\u0930\u0924\u094d\u092f\u0947\u0915 \u0928\u094b\u0915\u0930\u0940\u0924 <strong data-start=\"5349\" data-end=\"5384\">\u0909\u0926\u094d\u0926\u093f\u0937\u094d\u091f, \u0938\u0902\u0938\u094d\u0915\u0943\u0924\u0940, \u0906\u0923\u093f \u0928\u0948\u0924\u093f\u0915\u0924\u093e<\/strong> \u0905\u0938\u0924\u0947<\/p>\n<\/li>\n<\/ul>\n<p data-start=\"5393\" data-end=\"5474\">\u0905\u0936\u093e \u092d\u0935\u093f\u0937\u094d\u092f\u093e\u0924, <strong data-start=\"5407\" data-end=\"5473\">\u0930\u094b\u091c\u0917\u093e\u0930 \u092e\u094d\u0939\u0923\u091c\u0947 \u0915\u0947\u0935\u0933 \u0906\u0915\u0921\u0947\u0935\u093e\u0930\u0940 \u0928\u0938\u0947\u0932 \u2014 \u0924\u0940 \u090f\u0915 \u0938\u093e\u092e\u0942\u0939\u093f\u0915 \u091c\u092c\u093e\u092c\u0926\u093e\u0930\u0940 \u092c\u0928\u0947\u0932<\/strong>.<\/p>\n<p data-start=\"5476\" data-end=\"5618\">FoBs \u0924\u092f\u093e\u0930 \u0906\u0939\u0947\u0924.<br data-start=\"5491\" data-end=\"5494\" \/>\u0924\u0930\u0941\u0923 \u0924\u092f\u093e\u0930 \u0906\u0939\u0947\u0924.<br data-start=\"5509\" data-end=\"5512\" \/>\u0906\u0924\u093e \u0926\u094b\u0918\u093e\u0902\u0928\u093e \u091c\u094b\u0921\u093e\u092f\u091a\u0940 \u0935\u0947\u0933 \u0906\u0932\u0940 \u0906\u0939\u0947 \u2014 <strong data-start=\"5546\" data-end=\"5580\">\u090f\u0915 \u0928\u094b\u0915\u0930\u0940, \u090f\u0915 \u0915\u0932\u094d\u092a\u0928\u093e, \u090f\u0915 \u0915\u0941\u091f\u0941\u0902\u092c<\/strong> \u092f\u093e\u091a\u094d\u092f\u093e \u092e\u093e\u0927\u094d\u092f\u092e\u093e\u0924\u0942\u0928 <strong data-start=\"5599\" data-end=\"5609\">\u0928\u0935\u092d\u093e\u0930\u0924<\/strong> \u0918\u0921\u0935\u093e\u092f\u0932\u093e!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u092a\u094d\u0930\u0938\u094d\u0924\u093e\u0935\u0928\u093e: \u0906\u092a\u0932\u094d\u092f\u093e \u0905\u0930\u094d\u0925\u0935\u094d\u092f\u0935\u0938\u094d\u0925\u0947\u091a\u094d\u092f\u093e \u0905\u0927\u094b\u092d\u0942\u092e\u0940\u0924 \u0905\u0938\u0932\u0947\u0932\u0940 \u0905\u092a\u094d\u0930\u092f\u0941\u0915\u094d\u0924 \u0936\u0915\u094d\u0924\u0940 \u092d\u093e\u0930\u0924\u093e\u091a\u094d\u092f\u093e \u092e\u094b\u0920\u094d\u092f\u093e \u0915\u0949\u0930\u094d\u092a\u094b\u0930\u0947\u091f\u094d\u0938 \u0906\u0923\u093f \u091f\u0947\u0915 \u0938\u094d\u091f\u093e\u0930\u094d\u091f\u0905\u092a\u094d\u0938\u091a\u094d\u092f\u093e \u091d\u0917\u092e\u0917\u0924\u094d\u092f\u093e \u091c\u093e\u0939\u093f\u0930\u093e\u0924\u0940\u0902\u0906\u0921, \u090f\u0915 \u0936\u093e\u0902\u0924 \u092a\u0923 \u0905\u0924\u094d\u092f\u0902\u0924 \u092a\u094d\u0930\u092d\u093e\u0935\u0936\u093e\u0932\u0940 \u0936\u0915\u094d\u0924\u0940 \u0915\u093e\u0930\u094d\u092f\u0930\u0924 \u0906\u0939\u0947 \u2014 \u0924\u0940 \u092e\u094d\u0939\u0923\u091c\u0947 \u092b\u0945\u092e\u093f\u0932\u0940 \u0913\u0928\u094d\u0921 \u092c\u093f\u091d\u0928\u0947\u0938 (FoB), \u092e\u094d\u0939\u0923\u091c\u0947\u091a \u092a\u093e\u0930\u0902\u092a\u0930\u093f\u0915 \u0915\u0941\u091f\u0941\u0902\u092c\u093e\u0927\u093e\u0930\u093f\u0924 \u0935\u094d\u092f\u0935\u0938\u093e\u092f. \u0905\u0928\u0947\u0915\u0926\u093e \u092f\u093e \u0935\u094d\u092f\u0935\u0938\u093e\u092f\u093e\u0902\u0915\u0921\u0947 \u092a\u0930\u0902\u092a\u0930\u0947\u091a\u093e \u0905\u0935\u0936\u0947\u0937 \u0915\u093f\u0902\u0935\u093e \u091c\u0941\u0928\u093e\u091f \u0930\u091a\u0928\u093e \u092e\u094d\u0939\u0923\u0942\u0928 \u092a\u093e\u0939\u093f\u0932\u0902 \u091c\u093e\u0924\u0902, \u092a\u0923 \u0939\u0947 FoBs \u092d\u093e\u0930\u0924\u093e\u091a\u094d\u092f\u093e \u0906\u0930\u094d\u0925\u093f\u0915 \u092f\u0902\u0924\u094d\u0930\u0923\u0947\u091a\u0947 \u0916\u0930\u0947 \u0928\u093e\u092f\u0915 \u0906\u0939\u0947\u0924. \u0939\u0947 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