CHICAGO — Stuart Handler runs a company that owns and manages 47 properties, with a total of 6,000 apartments throughout the Chicago area. For 2024, the insurance premium on his portfolio of properties increased about 150%, and his deductible climbed from $100,000 to $1 million.
The jump in insurance costs came even though Handler’s record of filing claims related to damage at his properties — an action which can cause rates to increase — has been “extremely low” over the past 10 years, he said.
kAm“(6 2C6 😕 2 4C:D:D >@56 H:E9 :?DFC2?46[” D2:5 w2?5=6C[ H9@ 😀 rt~ @7 %{r |2?286>6?E 2?5 564=:?65 E@ D92C6 E96 5@==2C 2>@F?E 3J H9:49 9:D AC6>:F> :?4C62D65] “xE FD65 E@ 36 E92E :?DFC2?46 H2D 2 DE23=6[ :?4@?D6BF6?E:2= =:?6 :E6> @? 2? 6IA6?D6 DF>>2CJ 7@C 2 >2?286>6?E 4@>A2?J] }@H[ :E 92D 364@>6 D@ =2C86[ :E 😀 92G:?8 2? :>A24E @? … 277@C523:=:EJ 2?5 H:== =625 E@ 9:896C C6?ED]”k^Am
kAm#6?ED 7@C D@>6 @7 w2?5=6C’D F?:ED 92G6 :?4C62D65 2D >F49 2D a_T[ H9:=6 @E96C C6?ED 92G6 DE2J65 E96 D2>6 @C 564=:?65 2D >F49 2D `_T] w:D 7:C> D6ED AC:46D FD:?8 2 C6?E @AE:>:K2E:@? E@@= — @?6 4C62E65 3J *2C5: $JDE6>D[ 2 4@>A2?J 724:?8 2 4=2DD\24E:@? 2?E:ECFDE =2HDF:E 7@C 2==6865=J 4@?DA:C:?8 E@ 7:I C6?E AC:46D H:E9 E96 E@@=]k^Am
kAmp=E9@F89 w2?5=6C’D 962C5 7C@> 9:D AC@G:56C E92E 9:D :?DFC2?46 4@DED H@?’E :?4C62D6 😕 a_ad[ 96’D @?6 @7 ?F>6C@FD 9@FD:?8 AC@G:56CD DA62<:?8 @FE 23@FE D<JC@4<6E:?8 :?DFC2?46 AC6>:F>D 2?5 E96 ?665 E@ C2:D6 C6?ED 3642FD6 @7 E96>]k^Am
kAm|@DE AF3=:4=J 2G2:=23=6 52E2 @? :?DFC2?46 C2E6 :?4C62D6D 7@4FD6D @? 9@>6@H?6CD’ :?DFC2?46 A@=:4:6D[ 2?5 ?@E E96 AC6>:F>D E92E @H?6CD @7 >F=E:72>:=J 3F:=5:?8D A2J] qFE :?DFC2?46 6IA6CED D2J >2?J C6?E2= 3F:=5:?8 @H?6CD 92G6 D66? E96:C :?DFC2?46 4@DED :?4C62D6 `_T E@ a_T 😕 C646?E >@?E9D 2?5 J62CD[ 2?5 AC@A6CEJ @H?6CD :?E6CG:6H65 3J E96 %C:3F?6 C6A@CE65 :?4C62D6D C2?8:?8 7C@> “T E@ `d_T 36EH66? a_ab 2?5 a_ac]k^Am
kAmx?DFC2?46 8C@FAD 24<?@H=6586 92G:?8 E@ 3@@DE AC:46D[ D2J:?8 :E 😀 ?646DD2CJ E@ 4@G6C C:D:?8 6IA6?D6D E:65 E@ E96 8C62E6C G@=F>6 @7 4=:>2E6\492?86\:?5F465 ?2EFC2= 42E2DEC@A96D 2?5 9:89 3F:=5:?8 2?5 C6:?DFC2?46 4@DED] p?5 H9:=6 9@FD:?8 AC@G:56CD H2?E C64@FCD6[ E96 x==:?@:D s6A2CE>6?E @7 x?DFC2?46’D 92?5D 2C6 E:65 2D :?DFC6CD C2:D6 C2E6D[ 3642FD6 :E 5@6D ?@E 92G6 E96 2FE9@C:EJ E@ 2AAC@G6 @C C6;64E C2E6 492?86D[ F?=:<6 >2?J @E96C DE2E6D]k^Am
kAm$@>6 😕 E96 C62= 6DE2E6 2?5 :?DFC2?46 :?5FDEC:6D 2C6 42==:?8 7@C >@C6 C68F=2E:@? @7 x==:?@:D’ :?DFC2?46 >2C<6E]k^Am
kAmqFE E96 p>6C:42? !C@A6CEJ r2DF2=EJ x?DFC2?46 pDD@4:2E:@?[ 2 EC256 8C@FA C6AC6D6?E:?8 :?DFC2?46 AC@G:56CD[ D2:5 :?4C62D65 C68F=2E:@? H@F=5 5@ >@C6 92C> E92? 8@@5]k^Am
kAm“w2G:?8 E96 :?DFC2?46 C68F=2E@C 2AAC@G6 J@FC C2E6D C62==J :>A656D E96 23:=:EJ @7 E96 :?DFC2?46 :?5FDECJ E@ 492C86 2 C2E6 E92E 😀 24EF2C:2==J D@F?5 @C C67=64E:G6 @7 F?56C=J:?8 C:D<[” D2:5 tC:4 v@=536C8[ 56A2CE>6?E G:46 AC6D:56?E 2?5 4@F?D6= 😕 E96 EC256 8C@FA’D 4@>>6C4:2= 5:G:D:@?] “%92E 364@>6D 6DA64:2==J 492==6?8:?8 😕 2? :?7=2E:@?2CJ 6?G:C@?>6?E H96C6 E96 4@DED @7 >2E6C:2= 2?5 =23@C 2C6 8@:?8 FA[ 3FE J@F 42?’E 36 ?:>3=6 6?@F89 E@ 492?86 E9@D6 AC:46D E@ C67=64E E9@D6 :?4C62D65 4@DED]”k^Am
kAmvC62E6C C:D<D[ C:D:?8 4@DEDk^Am
kAm(9:=6 x==:?@:D 5@6D ?@E 92G6 r2=:7@C?:2’D H:=57:C6D @C u=@C:52’D 9FCC:42?6D[ :?DFC2?46 4@>A2?:6D 2C6 C2:D:?8 C2E6D 6G6CJH96C6 5F6 E@ 8C62E6C 4=:>2E6 C:D<D[ 4@?DECF4E:@? 4@DED 2?5 2? @G6C2== :?4C62D6 😕 =:23:=:EJ 4=2:>D] $@>6 9@FD:?8 AC@G:56CD 2?5 :?DFC2?46 6IA6CED D2J >F=E:72>:=J C2E6D 2C6 😕 =:?6 H:E9 @C 23@G6 E96 5@F3=6\5:8:E :?4C62D6D D66? 7@C 9@>6@H?6CD :?DFC2?46]k^Am
kAmr@C6J ~=:G6C[ rt~ @7 $EC6?8E9 😕 |2?286>6?E[ 2 AC@A6CEJ >2?286>6?E 4@>A2?J E92E @H?D 2?5 @A6C2E6D 2C@F?5 d__ 277@C523=6 9@FD:?8 F?:ED @? E96 $@FE9 2?5 (6DE D:56D[ D2:5 E92E H:E9 :?DFC2?46 4@DED C:D:?8 2D DF3DE2?E:2==J 2D E96J 2C6 — D@>6 @H?6CD 2C6 D66:?8 E96:C :?DFC2?46 C2E6D 5@F3=6 — :E >2<6D AC@7:E23:=:EJ 2?5 DFDE2:?23:=:EJ 7@C 3F:=5:?8 @H?6CD “G6CJ 5:77:4F=E]”k^Am
kAm~=:G6C D2:5 @?6 @7 9:D AC@A6CE:6D[ 2 `a\F?:E 3F:=5:?8 😕 t?8=6H@@5[ D2H :ED AC6>:F> 8@ 7C@> 2C@F?5 Sf[___ E@ ?62C=J S`b[___ 36EH66? a_ab 2?5 a_ac]k^Am
kAmq642FD6 @7 :?4C62D65 3F:=5:?8 4@DED DF49 2D :?DFC2?46[ D@>6 @H?6CD 2C6 FAA:?8 E96:C C6?ED S`__ 2 >@?E9 — 2=E9@F89 ?@E 6G6CJ J62C 2?5 ?@E 6?@F89 E@ 4@G6C E96 :?4C62D65 4@DED[ ~=:G6C D2:5]k^Am
kAm“(6 92G6 D@>6 E6?2?ED H96C6 H6 92G6?’E C2:D65 C6?ED 😕 E9C66 E@ 7@FC J62CD[ 2?5 ?@H E96J 92G6 8@EE6? EH@ J62CD[ 324<\E@\324< C6?E :?4C62D6D[” ~=:G6C D2:5] “xE’D E6CC:3=6]”k^Am
kAm{:<6 @E96CD H9@ DA@<6 H:E9 E96 %C:3F?6[ v@=536C8 4:E65 C:D:?8 3F:=5:?8 4@DED[ 2? :?4C62D6 😕 42E2DEC@A9:4 H62E96C 6G6?ED 2?5 8C62E6C 2EE@C?6J :?G@=G6>6?E 😕 :?DFC2?46 4=2:>D 2D D@>6 @7 E96 C62D@?D 7@C C2E6 9:<6D 😕 x==:?@:D 2?5 36J@?5] %96 C:D:?8 4@DE @7 C6:?DFC2?46[ E96 :?DFC2?46 E92E :?DFC2?46 4@>A2?:6D AFC492D6[ 😀 2=D@ 2 724E@C]k^Am
kAm~?6 56G6=@A6C C646?E=J 6IA6C:6?465 7:CDE92?5 E96 9:896C :?DFC2?46 4@DED 2DD@4:2E65 H:E9 8C62E6C 4=:>2E6 C:D<D]k^Am
kAmy@?2E92? u]!] #@D6[ AC6D:56?E @7 9:D 6A@?J>@FD 4@>A2?J[ H9:49 56G6=@AD 6?G:C@?>6?E2==J 4@?D4:@FD 277@C523=6 2?5 >:I65\:?4@>6 9@FD:?8 😕 r9:428@ 2?5 ?2E:@?2==J[ D2:5 9:D :?DFC2?46 4@DED C646?E=J H6?E FA 27E6C 96 7:=65 2? :?DFC2?46 4=2:> 7@C 2 3FCDE A:A6 2E 9:D E96? ?6H=J 24BF:C65 AC@A6CEJ 😕 vC2?5 q@F=6G2C5 2E E96 6?5 @7 a_aa] w25 96 AFC492D65 E96 3F:=5:?8 62C=:6C 2?5 E2<6? :E E9C@F89 2 “8C66?:?8 AC@46DD” E92E H@F=5 92G6 :?G@=G65 :?DF=2E:?8 E96 A:A6D[ 9:D :?DFC2?46 4@DED H@F=5?’E 92G6 8@?6 FA 2D >F49[ #@D6 D2:5]k^Am
kAm#@D6[ H9@ DA@<6 2E 2 C646?E &]$] s6A2CE>6?E @7 w@FD:?8 2?5 &C32? s6G6=@A>6?E DF>>:E @? C:D:?8 AC@A6CEJ :?DFC2?46 4@DED[ E@=5 E96 %C:3F?6 E92E E96 :?DFC2?46 C2E6 7@C 9:D ?2E:@?2= A@CE7@=:@ — `h[___ F?:ED 24C@DD a_ 4:E:6D — H6?E FA 23@FE “T 36EH66? a_ab 2?5 a_ac[ 2? :?4C62D6 96 42==65 “>@56DE” 4@>A2C65 H:E9 @E96CD D66? 😕 E96 :?5FDECJ] w6 2EEC:3FE6D 9:D >@C6 >@56DE :?4C62D6D E@ 3F:=5:?8 8C66?6C AC@A6CE:6D E92E 2C6 =6DD AC@?6 E@ 4CF>3=6 H96? 5:D2DE6C DEC:<6D]k^Am
kAm“%96 8C66?:?8 DEC2E68:6D W2C6X C:89E 7@C E96 6?G:C@?>6?E[ 3FE E96J 2C6 2=D@ C62==J C:89E 7@C :?DFC2?46 4@DED[” #@D6 D2:5]k^Am
kAmx==:?@:D\32D65 p==DE2E6 2?5 $E2E6 u2C>[ EH@ =2C86 :?DFC2?46 AC@G:56CD 😕 E96 DE2E6 2?5 ?2E:@?2==J[ 564=:?65 E@ AC@G:56 DA64:7:4 C2E6 9:<6 :?7@C>2E:@? C6BF6DE65 3J E96 %C:3F?6] (9:=6 9@>6@H?6CD :?DFC2?46 C2E6 :?4C62D6 :?7@C>2E:@? 😀 AF3=:4=J 2G2:=23=6 😕 E96 DE2E6[ 52E2 7@C 4@>>6C4:2= AC@A6CE:6D — DA64:7:42==J[ >F=E:F?:E C6D:56?E:2= 3F:=5:?8D — 2C6 ?@E 2446DD:3=6 😕 E96 D2>6 H2J]k^Am
kAmx? 2 C6DA@?D6 E@ 2 %C:3F?6 C6BF6DE 7@C 4@>>6?E @? 5@F3=6\5:8:E >F=E:72>:=J C2E6 9:<6D 😕 E96 A2DE 76H J62CD[ $E2E6 u2C> D2:5 :ED C2E6 492?86D 2C6 5C:G6? 3J :?4C62D65 4@DED 2?5 C:D<]k^Am
kAm“xE 😀 :>A@CE2?E E@ ?@E6 E92E >2?J 724E@CD 2C6 4@?D:56C65 H96? F?56CHC:E:?8 2?5 AC:4:?8 2? :?DFC2?46 A@=:4J[” $E2E6 u2C> D2:5] “(6 C6G:6H =@DD EC6?5D @G6C 2 A6C:@5 @7 J62CD H96? 56E6C>:?:?8 C2E6D] ~FC C2E6D 2C6 32D65 @? E96 ?665 E@ A2J 2?E:4:A2E65 7FEFC6 4=2:>D :?7@C>65 3J 24EF2= 4=2:>D 6IA6C:6?46 😕 2? 2C62 — 7C@> H62E96C[ 92:=[ H:?5[ H2E6C[ 7:C6[ 244:56?ED[ =:23:=:EJ[ E967E[ 2?5 D@ @?]”k^Am
kAmp==DE2E6 5:5 ?@E C6DA@?5 E@ 2 D:>:=2C BF6DE:@? 7C@> E96 %C:3F?6]k^Am
kAmp DA@<6DA6CD@? 7@C ~9:@\32D65 }2E:@?H:56[ 2?@E96C =2C86 :?DFC2?46 AC@G:56C[ D2:5 😕 2? 6>2:= E92E E96 4@>A2?J 😀 E2<:?8 DE6AD E@ 255C6DD E96 492==6?86D 😕 E96 >2C<6E 2?5 “6?DFC6 =@?8\E6C> G:23:=:EJ[” =:<6 @E96CD 😕 E96 :?5FDECJ]k^Am
kAm“x?7=2E:@? 2?5 >2C<6E 5:DCFAE:@?D :>A24E :?DFC2?46 ;FDE =:<6 E96J 5@ 2?J @E96C 3FD:?6DD] x? >2?J :?DE2?46D[ E9:D >62?D H6 2C6 FA52E:?8 @FC C2E6D[” E96 DE2E6>6?E D2:5]k^Am
kAm}2E:@?H:56 5:5 ?@E DA64:7J :ED 6I24E C2E6 9:<6D 2?5 5:5 ?@E C6DA@?5 E@ 7FCE96C BF6DE:@?D 23@FE :ED C2E6D]k^Am
kAmp=6I2?5C2 v=:4<>2?[ 2 8=@32= AC24E:46 =6256C 7@C C62= 6DE2E6 2?5 9@DA:E2=:EJ 2E r9:428@\32D65 v2==2896C[ @?6 @7 E96 =2C86DE 8=@32= :?DFC2?46 3C@<6C286D[ D2:5 2 5F2= DFC86 😕 =:23:=:EJ\ 2?5 AC@A6CEJ\C6=2E65 4@DED 😀 =625:?8 E@ 2 `dT E@ a_T 2G6C286 ?2E:@?2= :?4C62D6 😕 :?DFC2?46 C2E6D 7@C >2?J 2A2CE>6?E 3F:=5:?8 @H?6CD 😕 E96 =2DE EH@ BF2CE6CD]k^Am
kAm{:23:=:EJ 4@DED 2C6 :?4:56?ED DF49 2D =682= 4=2:>D 3J E6?2?ED 282:?DE E96:C =2?5=@C5D[ H:E9 x==:?@:D 36:?8 2 A2CE:4F=2C=J E6?2?E\7C:6?5=J ;FC:D5:4E:@?[ v=:4<>2? D2:5] !C@A6CEJ 4@DED 2C6 :?4:56?ED C6=2E65 E@ H62E96C 6G6?ED DF49 2D E96 92:=DE@C>D 2?5 A@=2C G@CE6I6D E92E 92G6 364@>6 >@C6 4@>>@? 😕 E96 |:5H6DE[ D96 D2:5]k^Am
kAm~? E@A @7 E96 C:D:?8 4@DED[ E96C6 😀 >@C6 56>2?5 7@C :?DFC2?46 E92? DFAA=J] w@FD:?8 AC@G:56CD 2?5 :?DFC2?46 6IA6CED =:<6 v=:4<>2? D2:5 :E 😀 364@>:?8 >@C6 492==6?8:?8 E@ 7:?5 :?DFC2?46 4@G6C286[ 2D 4@>A2?:6D 2C6 AF==:?8 @FE @7 E96 C:D<J >2C<6E]k^Am
kAm|:8F6= r924@?[ 2 9@FD:?8 AC@G:56C 😕 !:=D6? 2?5 2 C62= 6DE2E6 3C@<6C[ D2:5 E92E =2DE J62C[ 7@C E96 7:CDE E:>6 😕 9:D a_ J62CD 2D 2 3F:=5:?8 @H?6C[ 96 >256 2? :?DFC2?46 4=2:> @? @?6 @7 9:D AC@A6CE:6D] %96 :?DFC2?46 AC@G:56C 5C@AA65 E96 A@=:4J H96? :E 42>6 E:>6 E@ C6?6H[ r924@? D2:5]k^Am
kAmr924@? 😀 2=D@ D66:?8 9:D :?DFC2?46 C2E6D 5@F3=6] u@C 2 E9C66\7=2E 96 2?5 9:D H:76 AFC492D65 2?5 =:G65 😕 5FC:?8 E96 62C=J a___D[ r924@?’D :?DFC2?46 A@=:4J H6?E 7C@> Sa[`ff 😕 a_ab E@ Sc[dfd 😕 a_ac]k^Am
kAmq642FD6 @7 :?4C62D65 4@DED[ :?4=F5:?8 😕 9:D AC@A6CEJ E2I 3:==D[ r924@? C2:D65 C6?ED Sfd 7@C 6249 @7 E96 F?:ED 😕 E96 E9C66\7=2E[ 2 C@F89=J cT E@ dT 9:<6]k^Am
kAmp==DE2E6 2?5 $E2E6 u2C> D2J E96J 2C6 4@?E:?F:?8 E@ :DDF6 ?6H :?DFC2?46 A@=:4:6D 😕 x==:?@:D] p }2E:@?H:56 DA@<6DA6CD@? D2:5 :E 4@?E:?F6D E@ HC:E6 A@=:4:6D 😕 x==:?@:D 2D H6==[ 2=E9@F89 “H6 2C6 36:?8 >@C6 D6=64E:G6 2C@F?5 E96 2>@F?E @7 @G6C2== C:D< H6 2C6 H:==:?8 E@ HC:E6]”k^Am
kAmv=:4<>2?[ @7 v2==2896C[ D2:5 E96C6 H:== 2=H2JD 36 :?DFC2?46[ 3FE “E96 <:4<6C :Di w@H >F49 😀 :E 8@:?8 E@ 4@DEn”k^Am
kAm“|F=E:72>:=J :D[ x H@F=5 2C8F6[ E96 >@DE 5:77:4F=E @7 2== E96 2DD6E 4=2DD6D 3642FD6 :E 92D D@ >2?J 5:776C6?E 2G6?F6D 7@C =@DD6D[” v=:4<>2? D2:5]k^Am
kAmx==:?@:D =24<:?8 😕 C68F=2E:@?k^Am
kAm{@42= @H?6CD 2?5 >2?286CD DF49 2D w2?5=6C 2?5 ~=:G6C 2C6 42==:?8 7@C >@C6 2H2C6?6DD 2?5 @G6CD:89E[ C6DA64E:G6=J[ @7 x==:?@:D’ :?DFC2?46 :?5FDECJ]k^Am
kAm%96 }2E:@?2= pDD@4:2E:@? @7 x?DFC2?46 r@>>:DD:@?6CD 92D 2 >@56= =2H 7@C DE2E6 AC@A6CEJ 2?5 42DF2=EJ :?DFC2?46 C68F=2E:@?D E92E :?4=F56D =2?8F286 DF49 2D “#2E6D D92== ?@E 36 6I46DD:G6[ :?256BF2E6 @C F?72:C=J 5:D4C:>:?2E@CJ]”k^Am
kAm|@DE DE2E6D 25@AE65 E9:D =2?8F286 😕 E96 H2<6 @7 E96 |4r2CC2?\u6C8FD@? p4E — E96 `hcd 7656C2= DE2EFE6 8:G:?8 DE2E6D 4@?EC@= @7 E96 C68F=2E:@? @7 E96 :?DFC2?46 :?5FDECJ — 2?5[ 😕 EFC?[ 92G6 366? 36EE6C 23=6 E@ C68F=2E6 :?DFC2?46 4@DED[ 244@C5:?8 E@ s@F8 w6==6C[ 5:C64E@C @7 :?DFC2?46 7@C E96 r@?DF>6C u656C2E:@? @7 p>6C:42]k^Am
kAmqFE x==:?@:D 5@6D ?@E 92G6 E9:D =2?8F286 @? E96 3@@<D 7@C AC@A6CEJ 2?5 42DF2=EJ :?DFC2?46]k^Am
kAmx==:?@:D 😀 2 =2C86=J 56C68F=2E65 :?DFC2?46 >2C<6E[ 92G:?8 “?@ >62?:?87F= @G6CD:89E[” F?=:<6 >@DE DE2E6D 2C@F?5 E96 4@F?ECJ[ w6==6C D2:5]k^Am
kAm“(92E A6@A=6 2C6 D66:?8 😀 A2CE @7 H92E x E9:?< 92D E@ 36 56D4C:365 2D 2 =@@>:?8 4C:D:D[ :7 ?@E 2=C625J 2 4C:D:D[ 7@C @FC 9@FD:?8 DJDE6>[” w6==6C D2:5] “… xE’D ?@E E92E :E 😀 H@C<:?8 A6C764E=J E9C@F89@FE E96 4@F?ECJ W36J@?5 x==:?@:DX] … qFE :7 J@F 5@?’E 6G6? 92G6 E96 E@@=D[ J@F 5@?’E 6G6? 92G6 E96 492?46 E@ FD6 E96> H6==]”k^Am
kAm%96 x==:?@:D s6A2CE>6?E @7 x?DFC2?46 564=:?65 E@ >2<6 D@>6@?6 2G2:=23=6 7@C 2? :?E6CG:6H]k^Am
kAmx? 2 DE2E6>6?E[ 2 DA@<6DA6CD@? D2:5 E96 56A2CE>6?E 5@6D ?@E 92G6 E96 C68F=2E@CJ 2FE9@C:EJ E@ D6E AC@A6CEJ 2?5 42DF2=EJ :?DFC2?46 C2E6D[ :?4=F5:?8 9@>6@H?6CD 2?5 4@>>6C4:2= AC@A6CEJ :?DFC2?46] (9:=6 D@>6 DE2E6D[ DF49 2D r2=:7@C?:2[ 92G6 E96 23:=:EJ E@ C6G:6H 2?5 2AAC@G6 :?DFC2?46 C2E6 :?4C62D6D[ x==:?@:D C6BF:C6D @?=J E92E C2E6D 36 7:=65 H:E9 E96 56A2CE>6?E]k^Am
kAm“%96 s6A2CE>6?E DE2?5D C625J E@ A2CE?6C H:E9 4@?DF>6C 25G@42E6D 2?5 =68:D=2E@CD E@ :?4C62D6 4@?DF>6C AC@E64E:@?D 2?5 6?92?46 E96 s6A2CE>6?E’D C68F=2E@CJ 2FE9@C:EJ C682C5:?8 9@>6@H?6CD :?DFC2?46 C2E6D 😕 x==:?@:D[” E96 DE2E6>6?E D2:5]k^Am
kAm$E2E6 #6A] %92556FD y@?6D @7 r2=F>6E r:EJ 2?5 DE2E6 $6?] }2A@=6@? w2CC:D @7 w2CG6J[ E96 s6>@4C2E:4 492:CD @7 E96 =68:D=2EFC6’D x?DFC2?46 r@>>:EE66D[ 5:5 ?@E C6DA@?5 E@ C6BF6DED 7@C 4@>>6?E] $E2E6 #6A] q@3 |@C82?[ 2 s6>@4C2E 7C@> s66C7:6=5 2?5 G:46 492:C @7 E96 w@FD6 x?DFC2?46 r@>>:EE66[ 2?5 DE2E6 $6?] $2C2 u6:86?9@=EK[ 2 s6>@4C2E 7C@> r9:428@ 2?5 2?@E96C >6>36C @7 E96 $6?2E6 x?DFC2?46 r@>>:EE66[ 564=:?65 E@ 4@>>6?E]k^Am
kAm$E2E6 $6?] s2G6 $JG6CD@? @7 #@4<7@C5[ E96 #6AF3=:42? DA@<6DA6CD@? 7@C E96 $6?2E6 x?DFC2?46 r@>>:EE66[ D2:5 x==:?@:D’ :?DFC2?46 AC:46D H6C6 =@H6C 4@>A2C65 H:E9 @E96C DE2E6D F?E:= E96 =2DE 76H J62CD[ E92?<D 😕 A2CE E@ x==:?@:D’ =24< @7 C68F=2E:@? 2?5[ 😕 EFC?[ 2? 23F?52?46 @7 AC@G:56CD @776C:?8 :?DFC2?46 😕 E96 DE2E6[ H9:49 2==@HD E96C6 E@ 36 4@>A6E:E:@? 😕 E96 >2C<6E] w6 E9:?<D :?7=2E:@? 92D E@ 36 4@?EC@==65 😕 @C56C E@ >:E:82E6 DH6==:?8 :?DFC2?46 4@DED]k^Am
kAm“w2G:?8 E96 DE2E6 ECJ E@ C68F=2E6 C2E6D 😀 ?@E 8@:?8 E@ 27764E H92E’D 92AA6?65 H:E9 E9@D6 4@DED[” $JG6CD@? D2:5] “(92E :E H:== 5@[ =:<6 :E 92D 5@?6 😕 D@>6 @E96C DE2E6D[ 😀 5C:G6 :?DFC2?46 4@>A2?:6D @FE @7 E96 DE2E6]”k^Am
kAmv@=536C8[ @7 E96 :?DFC2?46 EC256 2DD@4:2E:@?[ D2:5 x==:?@:D’ F?:BF6 =24< @7 2AAC@G2= 7@C :?DFC2?46 C2E6D 😀 8@@5 7@C E96 >2C<6E] {:<6 $JG6CD@?[ 96 D2:5 E92E :7 >@C6 C68F=2E:@? 4@>6D E@ x==:?@:D[ E96 ?2EFC2= C6DA@?D6 E@ :?DFC6CD H@F=5 36 E@ AF== 324<]k^Am
kAm“x7 WC68F=2E@CDX 2==@H :?DFC6CD E@ 492C86 H92E ?665D E@ 36 492C865 E@ 4@G6C E96 C:D< 2?5 >2<6 2 C62D@?23=6 C2E6 @7 C6EFC?[ >@C6 :?G6DE@CD 2C6 AC@323=J 8@:?8 E@ 36 H:==:?8 E@ AFE D@>6 >@?6J :?E@ E92E DE2E6[” v@=536C8 D2:5]k^Am
kAmqFE D@>6 x==:?@:D @H?6CD 2C6 2=C625J 36:?8 7@C465 E@ D6== E96:C AC@A6CE:6D 3642FD6 @7 C:D:?8 4@DED DF49 2D :?DFC2?46[ D2:5 ~=:G6C[ @7 $EC6?8E9 😕 |2?286>6?E]k^Am
kAm“(6’C6 =@D:?8 =@42= r9:428@ @A6C2E@CD[ 2?5 H6’C6 =@D:?8 >:?@C:EJ @H?6CD H9@ 42? ?@ =@?86C @H? 2?5 @A6C2E6 3F:=5:?8D 😕 E96:C @H? 4@>>F?:E:6D 3642FD6 @7 E96D6 4C2KJ[ F?DF3DE2?E:2E65 4@DE :?4C62D6D[” ~=:G6C D2:5]k^Am
