WPCLE p f$0n|h ,=˭b=h.O7k:8GiIޅ^2 5fS,_ZevηYwLWݡ{GpRm<_!CW;3tYrInFZdQ =txG-'!hL~ 3Ux޺NxwO7 m=9GFn9+÷DOS3,P-)S;s@a"tk2.趮Ȃ|qQ Z~9QHddmk ׬{{9A]WK#~bu:j XSG2>_I[6 :aèqzp~8Gjb{N,߱zW8p5PC|?.tq{(1c+`9[jT/r91/N( CvGn}]n 3dB wwҫ/U4Nn % 0 #!sjw@> m@4Wkkkkkkk Rzz 0ZE&&&&&&&& 0(((((((((((((((((((((((((((((((((((((( B D3 B7 B7> Au 0 D3 D+ 0K= AiN 0 AJ AQ 0D$ D3, B_ D3| B D3 B D3 BO D/l D3 B* D3 B*+! CU! Co! C! C! C! C! C! C " C%" C?" CY" Cs"s"N" AY" 0" 0% 0& 0o' 0[( B/#* 0R*U: + + + + + + + + + + + + + + 0Z+Z+Z+Z+Z+Z+Z+Z+ 0;- 002 033 0FK5UN5 AM5 AK,6w6w6w6w6 0J=7 AM77777 0D8 AK8 AS)9 A|9 A%: A}: C0K; A}{; 0;;;; 0= 0V? 0N@ 0<7B 0sCsCsCsCsCsCsCsCsCsCsC^ @E(9 Z6Times New Roman Regular($TRW6&A43'6&A43'T ? 0?vvbX0#gPdd  8dd8ISUS.,    X;rshamar 3h - lp14,,0\\Muninn\win95\corel8\Template\CustomWP\a_wp8_is.wpt  E  D UUy##Backup3|xHDd&IR\9F*MIVJMiWjar texta.@a.. p 2FyrirsgnMiWjuW og feitletruW fyrirs?gn     dWXWX'dxd3+0 d d d3+0 d d d^Z]\ I&mage <=8C HKKKK(3*$$ !TRV6&A4X3' Letter6&A43'T ? 0?vvbX0#gPdd  8dd8ISUS.,     UUUU'dxd'dxd( $ Figure  1  Level 1Level 2Level 3Level 4Level 5aZ[Inline Te&xt" <<C(3*$$ !TRV6&A4X3' Letter6&A43'T ? 0?vvbX0#gPdd  8dd8ISUS.,     ݀Level 1Level 2Level 3Level 4Level 5Zy  <<= 8Cd`Ze[C<<CLevel 1Level 2Level 3Level 4Level 5($$   1   jjjj'dxd  dllll'dxdP Pdnnnn'dxd dpppp'dxd dll' dxdssss'dxd&0 d duuuu'dxd&P d dd ddd(d2d.  X X umbreytingulagakvWaumfWingarorlof.  #XX # @ Flm.:<_flutningsm_./_fyrirsp_./_nefnd_>(LagtfyrirAlYingi122.lggjafarYingi1997!98.)    I.KAFLI BreytingarlgumumfWingarorlof,    nr.57/1987,meWsWaribreytingum.  z  1.gr.  ViW2.gr.lagannabtasttvrnUjarmlsgreinar,svohlj;Wandi:  Aukrttarforeldraskv.1.mgr.faWirrtttveggjaviknafWingarorlofisemtakamhvenrsemerfyrstuttavikurnareftirfWingueWaheimkomubarns.NotfrifaWirsrekkirttinnfellurhannniWur.  RtturfWurtilfWingarorlofserbundinnYvskilyrWiaWhannshjskapeWaskrWri;vgWrisambWmeWm;Wurbarnsins.  2.gr.    0staWorWanna?hlutafWingarorlofs 3.mlsl.4.gr.lagannakemur:fWingarorlof.  II.KAFLI Breytingarlgumumalmannatryggingar, 4 nr.117/1993,meWsWaribreytingum. 3.gr. _     FliWur16.gr.lagannaorWastsvo:FaWirrttgreiWslufWingardagpeningastaWm;Wurefhn;skarYess,endaleggihannniWurlaunaWavinnumeWan.ForeldrargetaskiptmeWsrfWingarorlofi,t.d.veriWbWiorlofisamatmaaWfullueWaaWhluta,Y;YannigaWgreiWslurtilYeirrasameiginleganemiekkimeiraensexmnaWafWingardagpeningumskv.cliW.  4.gr.    eftir16.gr.kemurnUgrein,16.gr.a,svohlj;Wandi:  FaWirrtttveggjaviknafWingarorlofi,semtakamhvenrsemerfyrstuttavikurnareftirfWingueWaheimkomubarns.NotfrifaWirsrekkiYennanrttfellurhannniWur.  RtturfWurtilfWingarorlofserbundinnYvskilyrWiaWhannshjskapeWaskrWri;vgWrisambWmeWm;Wurbarnsins.  FaWirfWingarorlofirttgreiWslufWingarstyrkshlutfalliviWlengdorlofsins.XhannrtthlutfallslegrigreiWslufWingardagpeningasamrmiviWkvWidliWar16.gr.  5.gr.    LgYessiWlastgildi1.janar1998. p)&1 Ї@V V  kvWitilbrWabirgWa. 1    kvWilagaYessaraumrttfWurtilfWingarorlofsskulugildaumfeWurbarnasem  fWast1.janar1998eWasWar.@  #dgPAthugasemdirviWlagafrumvarpYetta.#gPd%Ԉ ],   MeWfrumvarpinuerlagttilYaWnUmliaWveitafeWrumsjlfstWanrtttilfWingarorlofs,samtalstvrvikursemtakamhvenrsemerfyrstuttavikurnareftirfWingueWaheimkomubarns.GreiWslurtilfeWraYessartvrvikurverWaYrsmuogtilmWra,hlutfallslega.  AthugasemdirviWeinstakargreinarfrumvarpsins. T #  UmI.kafla.        0I.kaflafrumvarpsinserulagWartilbreytingarlgumumfWingarlof,nr.57/1987,einsogYeimvarbreyttmeWlgumnr.51/1997.  Um1.gr.    HrerfjallaWumsjlfstWanrttfWurtiltveggjaviknafWingarorlofs.FaWirmtakaYettafWingarorlofhvenrsemerfyrstuttavikurnareftirfWingueWaheimkomubarns.MeWheimkomubarnserbWittviWheimkomubarnsaffWingarstofnunogheimkomubarnssemerttleitteWatekiWvaranlegtf;stur.MikilvgtYykiraWbindatkufWingarorlofsfWurviWfyrstuvikurnarsembarniWerheimilinu,m.a.vegnatengslamyndunarmillifWurogbarns.XarsemerfitteraWtryggjaaWfaWir,semekkierhjskapeWasambWmeWm;Wurinni,getinUttsreWanUtisrfWingarorlofstmanntilsamvistaviWbarniWergerterrWfyriraWYessirtturshWurYvskilyrWiaWfaWirinnshjskapeWaskrWrisambWmeWm;WurbarnsinsviWupphaftkufWingarorlofs.XessirtturersjlfstWurrtturfWurYannigaWnotfrihannsrekkirttinnfellurhannniWur.HanngeturYvekkifrstyfirtilm;WurtillengingarfWingarorlofshennar.  Um2.gr.    HrergerWnauWsynlegorWalagsbreyting4.gr.lagaumfWingarorlofsemleiWirafYvaWfaWirekkilengureingngukostYvaWtakahlutaafsexmnaWafWingarorlofiheldurhannsjlfstWanrtttilfWingarorlofs.  UmII.kafla.    0II.kaflafrumvarpsinserulagWartilnauWsynlegarbreytingarkvWum16.gr.almannatryggingalaga,nr.117/1993,meWsWaribreytingum,vegnasjlfstWsrttarfWurtilfWingarorlofs.  Um3.gr.    GerWerbreytingfliW16.gr.tilaWtryggjangjanlegansveigjanleikaskiptinguforeldrafWingarorlofi.FellterniWurskilyrWiumaWm;WirineinverWiaWtakafyrstamnuWinneftirfWingu.XanniggeturfaWirt.d.nUttsrrttsinntilsjlfstWsfWingarorlofsstraxeftirfWinguogsWangetaforeldrarnirskiptmillisnYvorlofisemeftirer.  Um4.gr.    GerterrWfyriraWeftir16.gr.kominUgreinsemverWi16.gr.a.0YessarinUjugreinerfjallaWumsjlfstWanrttfWurtilfWingarorlofs,skilyrWiYessrttarogbrottfall.XerugreininnikvWiumhvernigskuligreiWafWurYessufWingarorlofi.LagtertilaWsmureglurgildiogumgreiWslutilm;Wur.SamkvmtYvfrfaWirfWingarstyrktvrvikurog v)E%/ fWingardagpeningaeftiratvinnuYtttkusinni,einnigtvrvikur.  Um5.gr.    GreininYarfnastekkiskUringa.@  UmkvWitilbrWabirgWa.  HrergertrWfyriraWrtturfeWramiWistviWbrnsemfWast1.janar1998eWasWar,Y.e.eftirgildistkulaganna.XarsemrtturinnerbundinnviWfyrstuttavikureftirfWingubarnsogsamkvmtkvWi4.gr.lagaumfWingarorlofskaltilkynnaatvinnurekandaumtkufWingarorlofsmeW21dagsfyrirvaraYykirekkifrtaWltasjlfstWanrttfWurtilfWingarorlofstakatilfeWrabarnasemfWastfyrirgildistkulaganna. Fylgiskjal. ^x K AU')#dE?/#A x  FjrmlarWuneyti, ?  fjrlagaskrifstofa:/     UmsgnumfrumvarptillagaumbreytingulagakvWaumfWingarorlof./ ! o       SamkvmtfrumvarpinuerlgWtilbreytingkvWumlaganr.57/1987,umfWingarorlof, k: oglaganr.117/1993,umalmannatryggingar.kvWifrumvarpsumfWingarorlofeigaviWumallaYsemeigalgheimili0slandioggegnalaunuWustarfi,enkvWilagaumalmannatryggingareigaviWumgreiWslurfWingarstyrksogfWingardagpeningatilannarraenYeirrasemsamiWhafaumslkargreiWslurkjarasamningum.MeWfrumvarpinuerlagttilaWfeWrumverWitryggWursjlfstWurrtturtilhlfsmnaWarfrWingarorlofs.  EingnguermetinnkostnaWurTryggingastofnunarrkisinsvegnaYeirrasemlginntil,enekkihrifkostnaWatvinnulfsinsvegna;hagrWisviWafleysingareWaannarskostnaWarviWfjarvistirstarfsmannavegnatkufWingarorlofs.samahtterekkigerWtil%  rauntilaWmetahugsanleganbata,eWahrifvelferWbarnaeWafjlskyldna,eWahrifstWumismunandih;pavinnumarkaWi.  SamanlagtmgerarWfyriraWrlegurkostnaWurTryggingastofnunarrkisinsaffrumvarpinuverWium100N N Ԁm.kr.,miWaWviWaW90!1195%karlmannanUtisrtveggjaviknafW   ingarorlofogfifullagreiWslufrTryggingastofnunrkisins.ErreiknaWmeWum4.500fWingumriogaWYarafsuum4.100fWingarhjforeldrumsemerugiftireWastaWfestrisambW.GreiWslafullrafWingardagpeningaer17.360kr.tvrvikurogfWingarstyrkurhlfanmnuWer14.795kr.,eWasamtals32.155kr.LoksergertrWfyriraWkvWilagannanitilum85%fWinga,enrkisstj;rninhefurYegartekiWkvrWunumaWkarlmennstarfihjrkinufirtttilhlfsmnaWarfWingarorlofsfrnsturam;tum.  SamtalsmgerarWfyriraWfrumvarpiWvaldi100..Ԁm.kr.rlegumkostnaWaraukafyrir |#K' rkissj;WverWiYaWaWlgum.MbastviWaWkostnaWurinnverWieitthvaWminnifyrsturinenaukisteftirYvsemkarlmennnUtasrrttsinntiltkufWingarorlofs.