WPC=J pH4L.g.gRj`@W)pV5U6I\ޏs~:2ɐHbAr@OUJӯ!Y }[iM!fX:d|eONE RX쩱|M#ݥ &`]}wA>:d WmV=->P}a_TΩ4\JE,j;9*t5Ir2v{P s;Y+95uCh [#2hx$ 4$e*`cr/zEX/ReBڡ|z;tg,'v 5M|ZnF5-Vݜ[:/Wرn$@*_j&ӑK5#Ib3ľu . {ǯޡkסJklD?՚phmu`(>Pdnhup9'2!} O{GZ2Պm UCN  %n 04t#(q 4 m>wd$^ 4}C E 1{ 0Q D-c 0U 0 B,- 0 0! 0g" 0# A# 0r$ 0% 0% 0U& 0' 0' 0( 03) 0) 0o* 0+ 0+ 0, 0, 0- 0H. 0. 0/ 0"0 00 0@1U >1f2a2 12 722 0b3f{3a}3}3}3f3a33:3333333333333333333333333N44444 144 0Qt5t5t5t5 0Q9 0K> 0]a>a> 0uBB 0w3C AC 0 IDID 0DD 1uEEEE B F F F F6=F=F=F=F=F=F=F=F=F=F=F=F 72sGsG/GG 1GGGGGGGGGGGGGGGGGGGGGU:uHuHuHuHMHHHHVHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHHH C J C #J&d9 Z6Times New Roman RegularX( Z$ IS , .\R6&A4\XħXXXTRW<6&A4W<6&A4 6&A4 6&A4T ? XXħ0?vvbX0#ggdd  8dXXd8ISUS.,    Adobe PDFyy0 W:\WP2000\SKJRI~IZ.WPTUW:\WP2000\SkjritunY2k-nytt.wptEM%%M[)@ u%@rirs?g3|xLevel 1Level 2Level 3Level 4Level 5Level 1Level 2Level 3Level 4Level 5Level 1Level 2Level 3Level 4Level 5Level 1Level 2Level 3Level 4Level 5Level 1Level 2Level 3Level 4Level 503CIOU[agmLettersA.A.a.A.A.A.A.A.()33$ Z!ISUS.,,,..TRW6&A4X3' Letter 6&A4\XħX3'LetterTXrXXXTRW6&A4W6&A4 6&A4 6&A4\XħXT ? XXr0?vvbX0#ggdd  8rdXXd8ISIS,.     )!dxdx*+ (_2623  ..*D+D (_25   ," <DL,23  ..," <DL,   )Hairline d*5+5 (_24  ) <DL)23  ..) <DL)  *2+2 (_23 ` &<<DL&23  ..&<<DL& ` */+/ (_22  #DL#23  ..#DL#  *,+, (_21   DL 23  .. DL  f&OLE 2.0 Box <=8C HKKKK*)+) (_20 h DDL23  ..DDL h *&+& (_19  L23  ..L  *#+# (_18   L23  .. L  *>> (_17  2( 4 <DL223  Ԁ2( 4 <DL2  *DD (_16   ," <DL,23  Ԁ," <DL,   *55 (_15  ) <DL)23  Ԁ) <DL)  *22 (_14 ` &<<DL&23  Ԁ&<<DL& ` *// (_13  #DL#23  Ԁ#DL#  *,, (_12   DL 23  Ԁ DL  *)) (_11 h DDL23  ԀDDL h *&& (_10  L23  ԀL  (## &_9   L23  Ԁ L  (>> &_8  2( 4 <DL223  2( 4 <DL2  (DD &_7   ," <DL,23  ," <DL,   (55 &_6  ) <DL)23  ) <DL)  (22 &_5 ` &<<DL&23  &<<DL& ` (// &_4  #DL#23  #DL#  (,, &_3   DL 23   DL  ()) &_2 h DDL23  DDL h (&& &_1  L23  L  &## $_   L23   L  \  `&Times New RomanTable_AS4O37;CO_s11.11.1.11.1.1.11.1.1.1.11.1.1.1.1.11.1.1.1.1.1.11.1.1.1.1.1.1.171.1.1.1.1.1.1.1.1(:$24O  0  3  0  6TABLE A4TABLE B 0 a3'ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.   _Ԁikmo %Eu{}1. a. 1.StafliWir undir t?luliW1.a.1.()33$ Z!ISUS.,,,..TRW6&A4X3' Letter 6&A4\XħX3'LetterTXrXXXTRW6&A4W6&A4 6&A4 6&A4\XħXT ? XXr0?vvbX0#ggdd  8rdXXd8ISIS,.     ()33$ Z!ISUS.,,,..TRW6&A4X3' Letter 6&A4\XħX3'LetterTXrXXXTRW6&A4W6&A4 6&A4 6&A4\XħXT ? XXr0?vvbX0#ggdd  8rdXXd8ISIS,.     ( $ Figure  1  (537$ Z!ISUS.,,,..TRW6&A4X3' Letter 6&A4\XħX3'LetterTXrXXXTRW6&A4W6&A4 6&A4 6&A4\XħXT ? XXr0?vvbX0#ggdd  8rdXXd8ISIS,.      d (M0J$2  0  .3  0 ` (O;$0  2#  a  .3  0` (#(#f I&mage <=8C HKKKK(u$0  0` (#(#` `  2  a  .3  0` (#` (#(`$0  0` (#(#0 ` (#` (#0 (# (#"h2  0  .3  0(#(#3#37=CIQYag1.a.i.(1)(a)(i)1)a) d , g7+ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.   d  ݀qi) %y_ gEu{}a. 1. a.T?luliWur undir stafliWa.1.a.1)a)4cp Z "Times Regular L e3)ISUS.,,,..XXXX? XX0?vvbX0#ggdd  ISIS,.   _>? Ҁ dd Z!ISUS.,,,..TRW6&A4X3' Letter 6&A43'LetterTXXXXTRW6&A4W6&A4 6&A4 6&A4T ? XX0?vvbX0#ggdd  8dd8ISIS,.     _ >?  _ikmo(%03qA 9140.lggjafarYing2011!2012. ( Xingskjal642"330.ml.     B>@"Svar# B>#     fjrmlarWherra(_SJS_)viWfyrirspurnSigrWarIngibjargarIngad;ttur   umvxtunarkrfulfeyrissj;Wa.  X  "i0J"  i0J2%  1  .3  Ԉ0    HvaWarkliggjatilgrundvallarviWmiWium3,5%vxtunarkrfulfeyrissj;Wa,sbr.19.    og20.gr.reglugerWnr.391/1998,umskyldutryggingulfeyrisrttindaogstarfsemi    lfeyrissj;Wa,meW_orWnum_Ԁbreytingum?i0J݌  Ќ    runum1975!1987starfaWinefndaWtillgumumendurskoWun_lfeyriskerfisins_.Nefnd wO  inafhentifjrmlarWherrabyrjunsumars1987frumvarptillagaumstarfsemilfeyrissj;Wa, B  Yarsegirbls.35:      ?80treikningumumkostnaWafYeimtillgum,semnefndinvarWsammlaumogfelast   frv.Yessu,varmiWaWviW3,5%raunvxtuneigna.TilsamanburWarmnefnaUmsar_vaxta {  tlur_.FyrsteftiraWsj;Wirnirf;ruaWveita_sj;Wflgum_ԀverWtryggWln,voruvextiryfirleitt nF 2%,envorusWanhkkaWirogerunyfirleitt5%.Xmnefna,aW_meWalvxtun_Ԁlna! 9 annarraen_spariskrteina_Ԁ!semByggingarsj;WurrkisinsogByggingarsj;Wurverkamanna  hafatekiWhjlfeyrissj;Wum,varsWarihlutarsins19864,7%en5,7%aWmeWtldum  _spariskrteinum_.VextirafskuldabrfumByggingarsj;Wsrkisins,semsamtklfeyrissj;Wa r ogfjrmlarWuneytiWsmduumseptemberogokt;ber1986,eru6,5%lnumveittumtil e= rsloka1986,enverWa6,25%lnumrsins1987og5,9%lnumrsins1988.Jafnframt 0 varsamiWumaWvextireldribrfum,semerulgrien4,2%verWihkkaWirYaWmark.  Loksmnefna,aWvextirafverWtryggWum_bankalnum_Ԁerun5!7%.    Segjam,aW3,5%_meWalvxtunarkrafa_Ԁs_allh_ԀYegarlitiWertillangstma.0Yessu i sambandierY;YaWaWlta,aW_treikningarnir_ԀumkostnaWaflfeyrisrttindumerumiWaWir \4 viWaWhiWnUjakerfinitilallraYegarstaW.XaWfelursrmunmeirikostnaWfyrstumsinn ' ensWarverWur,vegnaYesshveiWgjldYeirra,semnerukomnirumogyfirmiWjanaldur,  standastuttviWsj;Wunum8     NefndssemsamdidrgaWreglugerWnr.391/1998horfWitilYessaWmeginhluta10. `  ratugarinshfWutlnsvextir0bWalnasj;WsveriW5,1%en_nafnraunvextir_Ԁ_hsbrfa_ԀveriW S+! 4,75%.vxtunarkrafaYeirramarkaWihafWiveriWnokkuWhrriogkomYaWframraun " vxtunsj;Wannaensamkvmttflusem_Landssamtk_Ԁlfeyrissj;Wat;ksamanogerfylgi # skjalmeWsvariYessuvarhnaWjafnaWi6!7%og_meWalvxtunin_Ԁratugnum6,7%.Nefnd  $ intaldiYrttfyrirYettarttaWhaldasigviWYaWviWmiWsemnefntvarfrumvarpitillagaum !W% starfsemilfeyrissj;Wafr1987.XhafWi_rkit_ԀYessumrumrktmikilbjartsUnioggagnrUnivarfrem J""& uraWvaxtaviWmiWiWvrioflgtenfugt. #' "i0J"  i0J2%  2  .3  Ԉ0    HvaWa_tryggingafrWilegu_Ԁ_ttektir_ԀeWaranns;knirlgutilgrundvallar3,5%viWmiWi $ ) upphafi?HefurviWmiWiWsttendurskoWunfrYvaWreglugerWinvarsett?i0J݌v%N!* Ќ    SjsvarviW1.tluliWfyrirspurnarinnar.EndurskoWunviWmiWinuhefurekkifariWfram A&"+ enlj;steraWhelstuforsendurfyrirYessuviWmiWiogaWstWurmarkaWihafabreyst.Hag  '",  vxturVesturlndumhefurdregistsamanundanfrnumrumog_efnahagshorfur_Ԁeru '#- 9 y_   almenntekkiYannigaWvarlegteWaraunhftsaWreiknameW3,5%vxtuneigna.&   Hrinnan ( landshafagjaldeyrishfteinnighaftYauhrifaWYrUstavxtumniWurviW.'(I  "i0J"  i0J 2%  3  .3  Ԉ0    HafafariWframranns;kniralmennumefnahagslegumhrifum3,5%viWmiWs,Y.m.t. a vaxtastig?i0J 6݌T, Ќ    Kerfisbundinranns;knalmennumefnahagslegumhrifum3,5%vaxtaviWmiWsYessu  sambandihefurekkifariWframsvorWuneytinuskunnugtumYaW.0opinberriumrWuhafa  hinsvegarkomiWframgildsj;narmiWumaW3,5%viWmiWiWhafiYrengtfjrfestingarkosti   lfeyrissj;WannaogalmenntstuWlaWaWhrravaxtastigi.  X "i0J"  i0JL 2%  4  .3  Ԉ0    Hvernighefurlfeyrissj;WunumgengiWaWuppfylla3,5%viWmiWiW?i0JL y ݌   Ќ    ViWmiWiWYj;narYeimtilgangiaWmetaYrfjrhagsleguskuldbindingarsemtiltekin    lfeyrisrttindiskapakveWnumlfeyrissj;Wi.ErYgertrWfyriraWmeWalraunvxtunnstu   ratugaverWisamrmiviWYettavaxtaviWmiW.vxtunlfeyrissj;WahefurveriWmisjfnen wO  FjrmlaeftirlitiWhefurmetiWmeWalraunvxtunallrasj;Wannafrrinu1991.0meWfylgj B  anditfluLandssamtakalfeyrissj;Wa(sjfylgiskjal)erYessivxtunsUnd,semog5og10    rameWaltl.SamantektTalnaknnunarfyrirfjrmlarWuneytiWsUniraWturaraunvxtun   lfeyrissj;Wannarunum2000!2010lkkaWisnarlegarinu2007oghefurveriWundir {  3,5%viWmiWunarmarkannasWan. nF "i0J"  i0JY%2%  5  .3  Ԉ0    HvaWaefnahagsleguhrifhefWilkkunviWmiWsinsum0,5%,1%og1,5%:i0JY%%݌ Ќ  "m"  m&0  0ww 2%  a  .3  Ԉ0v  greiWslulfeyrisdag,eftir10rogeftir20r,m&&݌vv Ќ  "m"  m'0  0ww 2%  b  .3  Ԉ0v  lfeyrisgreiWslurdagtilmeWallfeyrisYega(karlsannarsvegarogkonuhins r vegar)a)almennumlfeyrissj;Wi,b)lfeyrissj;Wistarfsmannarkisins,m''݌e=vv Ќ   (00_ikmo! !"m"  m.*0  0 2  c  .3  Ԉ0v  fjrhagrkissj;Ws?m.*[*݌0vv Ќ    TilaWsvaraspurningunumaWframant;kBjarniX;rWarson,tryggingastrWfrWingur,  samantvrtfluraW;skrWuneytisinssemsUnaannarsvegarhvaWarttindaskerWingusj;W  flagaralmennumlfeyrissj;WummegabastviWefvaxtaviWmiWerlkkaWoghinsvegar i hvernigiWgjaldtaxtialmennumsj;WiYyrftiaWhkkatilaWunntsaWhalda;breyttum \4 lfeyrisrttindum.TekiWerframaWllrttindavinnslalfeyrissj;Wumer;hWkynisj;W ' flagansenYaWYUWiraWsj;WirmeWfleirikonurenkarla(miWaWviWiWgjaldagreiWslur)meWal  sj;WflagaerulakarsettirenaWrirsj;WirogYeimmunlakarsettirsemhlutfallkvennaer  hrra. `    SvarviWaliWfelstaWhlutatilYvsemWurgreinir,Y.e.aWlfeyrirhverjumtmatekur S+! miWafYeirrivxtunsemsj;WurinnhefurnWtilYesstma.Efbornirerusamantveirsj;Wir " YarsemannarnrvalltaWvaxtafsittsamkvmtvaxtaviWmiWinuenhinnmeWvxtun # semereinupr;sentustigilakarigeturfyrrnefndisj;WurinnhaldiW;breyttumlfeyrisgreiWslum  $ enssWarnefndiyrWirhvertaWlkkaunninrttindium1%.Ssj;Wurgtibreyttvaxta !W% viWmiWuninnisemYUddiaWhannskertirttindistraxtilaWlagaYauaWskuldbindingahkk J""& unum.SWanbreyttistlfeyrirogrttindiekki.LkkuntilframbWarertekineinustkki #' staWrlegralkkana. #(   TflurnarhraWneWanerumiWaWarviWaWstWuralmennumlfeyrissj;WumenmiWaWviW $ ) gildandilgogkjarasamningamyndusj;WflagarLfeyrissj;Wistarfsmannarkisinsekki v%N!* aWWru;breyttuverWafyrirrttindaskerWinguoggildirYaWumallaalmennasj;WflagaA- A&"+ ogB-deildumsj;Wsins.HinsvegaryrWirkissj;WuraWfjrmagnaaukninguskuldbindingar  '",  semiWgjaldahkkuneWameWWrumsrtkumhtti. '#- _& a    EkkierunntaWsegjatilummeWvissuhvaWahrifslkarbreytingarhefWufjrhagrkis ( sj;W.Lj;steraWlkkunlfeyrisgreiWslnafralmennumsj;WummyndisetjaYrUsting  hkkuneWaaukinnkostnaWvegnalfeyrisalmannatrygginga.'a(5    0tflu1ergerWgreinfyrirYvhvernigrttindilfeyrissj;WYyrftuaWskerWastviWlkkun a vaxtaviWmiWsr3,5%3,0%eWa2,5%YannigaWskuldbindingaryrWuhinarsmueftirsem T, Wur.LkkunhjlfeyrisYegumertilmunaminnienhjyngrisj;Wflgum.Sjtugkona  geturvnstYessaWlifarm16rogsjtugurkarlrm14r.LkkunvaxtaviWmiWsum  1pr;sentustigleiWirtil8%lkkunarlfeyrissemellahefWilkkaWum1%ri.Rttindisem   fertugureinstaklingurhefurYegarunniWsrmundulkkaum30%.  X    Tafla1.NauWsynlegskerWingunnumrttindumefvaxtaviWmiWun    lkkarr3,5%3,0%eWa2,5%.     :3 > ?vvb3*:;ddd Xdd Xdd X>>,dd ,ddE,ddE,dd ,ddE,ddE,dd ,ddE,oddE,dd ,,ddE,,ddE+  7*wO wO  7 </!wO  <3,00%lkkunvavaxtaviWmiWun </!wO " <2,50%lkkunvaxtaviWmiWun SB,wO "   S#N=#Aldur @/!B  @SkerWingrttinda% @/!B " @SkerWingrttinda% ;1'B "  ; 7(4OS0! !20ra     21,0% '  U '42,0% ,"  U ,30ra# ?#    18,0%#A# ' U '36,0% ," U ,40ra#'B#  {  15,0%#B# '{ U '29,5% ,"{ U ,50ra#.C#  nF 11,0%#C# 'nFU '22,5% ,"nFU ,60ra#5D#  9  7,5%#D# '9!U '14,5% ,"9"U ,70ra#;E#  # 4,0%#E# '$U '8,0% ,"%U ,80ra#AF#  & 2,5%#F# ''U '5,0% 3"(U 390ra#FG# 4#r) 41,5%#G# =,!r*U =2,5%7-+r+U  7#hH#7?vvb> :7  0tflu2ersUnthvaWahrifYaWhefWiiWgjldsemtvtugirogYrtugirsj;WflagarYyrftu 0, aWgreiWatil67raaldurstilYessaWaflasr;breyttrarttinda.0tflunnierreiknaWtfyrir - hvortkyneneinsogWurgreinirerenginngreinarmunurlfeyrisvinnslukynjanna. . BreytinginfelursrverulegahkkuniWgjalda,eWaum3!4pr;sentustig,efvaxtaviWmiWiW i/ erlkkaW2,5%. \40   Tafla2.IWgjaldstaxtimiWaWviW1,4%unninrttindifyrirhvertrfr20eWa30ra 2 aldritil67raaldursvegnaelli-ogrorkulfeyris.  3 K*>?d ddd ,ddE,,ddE,:;>>,>dd ,>ddE,>ddE,>ddE+  9(S+5S+ 9vxtun I8'S+6 IAldur I8'S+7" IKarlar I8'S+8" IKonur G=-S+9"  G3,5% * : *20ra 3);" 38,4% 3)<U 310,9% 8.=U 8 * > *30ra#L# 3)?" 310,0% 3)@U 312,6% 8.AU 83,0% *  B *20ra 3) C" 39,8% 3) DU 312,7% 8. EU 8 * !WF *30#VP#Ԁra 3)!WG" 311,4% 3)!WHU 314,4% 8.!WIU 82,5% * J""J *20ra#KR# 3)J""K" 311,5% 3)J""LU 314,8% ?.J""MU ? @/#N @30#oS#Ԁra I8'#O" I13,0% I8'#PU I16,4%#T#=31#QU   = q(#3S7! !"i0J"  i0JkV2#  6  .3  Ԉ0    ErstWatilaWendurskoWanverandiviWmiWumvxtunarkrfulfeyrissj;Wanna?i0JkVV݌$ R Ќ    NefndsemskipuWvarmeWerindisbrfi,dags.3.febrar2010,grundvellistWugleika v%N!S sttmlarkisstj;rnarogaWilavinnumarkaWarins,vinnurnaWtillgumaWframtWarskipan A&"T lfeyrismla.vegumnefndarinnarvarfyrirtkiWAnalyticafengiWtilaWtakasamanhvaWa  '"U vxtunarviWmiWerunotuWnokkrumsamanburWarlndum.Ekkivar;skaWeftirYvaW '#V _fyrirtkiWlegWimateWasettiframtillgurumhvaWaleiWttiaWfarahrlendis. (z$W __  &  0skUrslu_Analytica_,dags.11.mars2011,erfjallaWumkvrWun_vxtunarviWmiWs_Ԁ ( _samanburWarlndunum_ԀogdreginuppmyndafnokkrummeginleiWum'(fZԀsemunnteraWfaraviW  kvrWun_viWmiWsins_ԀoghelstuYttisemhafahrifYar.FjallaWerumhrif_vxtunar  viWmiWs_ԀfjrfestingarstefnuogsamhengisfjrfestingarstefnuviWlfeyrisskuldbindingar.Enn a fremurerfjallaWummguleghrifhkkunaraldriviWupphaftkulfeyris.Xersrstak T, legafjallaWumYUWingugengishttuaferlendumeignumfyrirlfeyrisgreiWslur.    NefndinhefurekkiennfjallaWumskUrsluna,enhnverWurtekintilumfjllunarviWfyrsta  tkifriogmunnUtaststarfinefndarinnarYegarkemuraWumrWuumhvortstWastil   aWendurskoWanverandiviWmiWumvxtunarkrfulfeyrissj;Wanna.  X  Fylgiskjal.    N & Au) dE> A^ N &       Athugun_meWalraunvxtun_Ԁlfeyrissj;Waeftirtmabilum.  B  (_Landssamtk_Ԁlfeyrissj;Wa,1.n;vember2011.)      4*56dd>dd >>ddE>>ddE>>ddE>>?>>,,u,4u,k5v,Z5v,Z`,Z`,\`+  J={ {  J#44a#44 h[7{ ##$$ hЈ m\7{ U##$$ m  Ggn_LL_Ԁum {  raunvxtun nF hversrs#44Lc#44#49a#4 i\H9%11##$$ iAd L?'{ " LMeWaltl_raunvxtunar_Ԁyfir_mismunadi_Ԁtmabil*) tc5{ "   6tr#44d#44#4e#4 ud7##$$ u p_7"##$$ p o^1##$$ o l[7"##$$ lrmeWaltalinu iX7"##$$ iЀByrjuntilloka  _rafjlda_Ԁ iX7w"##$$ iЀ5rameWaltl iX7"##$$ i10rameWaltl zpB " 6 ##$$ z1991 SI(jB!##$$ SЈ SI(jB"U##$$ S6,1% SI(jB#U##$$ SЈ SI(jB$U##$$ SЈ SI(jB%U##$$ S ^I(jB&"##$$ ^ bX7jB'"##$$ b ka3jB("  ##$$ k1992 SI(5 )##$$ SЈ SI(5 *U##$$ S7,0% SI(5 +U##$$ SЈ SI(5 ,U##$$ S2 SI(5 -U##$$ S6,55% ^I(5 .U##$$ ^Ј bX75 /U##$$ bЈ ka35 0U  ##$$ k1993 SI(1##$$ SЈ SI(2U##$$ S6,7% SI(3U##$$ SЈ SI(4U##$$ S3 SI(5U##$$ S6,60% ^I(6U##$$ ^Ј bX77U##$$ bЈ ka38U  ##$$ k1994 SI(9##$$ SЈ SI(:U##$$ S6,8% SI(;U##$$ SЈ SI(<U##$$ S4 SI(=U##$$ S6,65% ^I(>U##$$ ^Ј bX7?U##$$ bЈ ka3@U  ##$$ k1995 SI(tA##$$ SЈ SI(tBU##$$ S6,6% SI(tCU##$$ SЈ SI(tDU##$$ S5 ^I(tEU##$$ ^6,64% mX7tFU##$$ m6,64% bX7tGU##$$ bЈ ka3tHU  ##$$ k1996 SI(iAI##$$ SЈ SI(iAJU##$$ S7,6% SI(iAKU##$$ SЈ SI(iALU##$$ S6 SI(iAMU##$$ S6,80% ^I(iANU##$$ ^6,94% bX7iAOU##$$ bЈ ka3iAPU  ##$$ k1997 SI(6Q##$$ SЈ SI(6RU##$$ S7,9% SI(6SU##$$ SЈ SI(6TU##$$ S7 SI(6UU##$$ S6,96% ^I(6VU##$$ ^7,12% bX76WU##$$ bЈ ka36XU  ##$$ k1998 SI(Y##$$ SЈ SI(ZU##$$ S7,4% SI([U##$$ SЈ SI(\U##$$ S8 SI(]U##$$ S7,01% ^I(^U##$$ ^7,26% bX7_U##$$ bЈ ka3`U  ##$$ k1999 SI(a##$$ SЈ SI(bU##$$ S12,0% SI(cU##$$ SЈ SI(dU##$$ S9 SI(eU##$$ S7,55% ^I(fU##$$ ^8,28% bX7gU##$$ bЈ ka3hU  ##$$ k2000 SI(ui##$$ SЈ SI(ujU##$$ SЄ0,7% SI(ukU##$$ SЈ SI(ulU##$$ S10 ^I(umU##$$ ^6,70% mX7unU##$$ m6,76% mX7uoU##$$ m6,70% zpBupU  ##$$ z2001 SI(jBq##$$ SЈ SI(jBrU##$$ SЄ1,9% SI(jBsU##$$ SЈ SI(jBtU##$$ S11 SI(jBuU##$$ S5,89% ^I(jBvU##$$ ^4,80% mX7jBwU##$$ m5,87% zpBjBxU  ##$$ z2002 SI(7y##$$ SЈ SI(7zU##$$ SЄ3,0% SI(7{U##$$ SЈ SI(7|U##$$ S12 SI(7}U##$$ S5,12% ^I(7~U##$$ ^2,59% mX77U##$$ m4,83% zpB7U  ##$$ z2003 SI(##$$ SЈ SI(U##$$ S11,3% SI(U##$$ SЈ SI(U##$$ S13 SI(U##$$ S5,58% ^I(U##$$ ^3,33% mX7U##$$ m5,28% zpBU  ##$$ z2004 SI(##$$ SЈ SI(U##$$ S10,4% SI(U##$$ SЈ SI(U##$$ S14 SI(U##$$ S5,90% ^I(U##$$ ^3,03% mX7U##$$ m5,63% zpBU  ##$$ z2005 SI(v##$$ SЈ SI(vU##$$ S13,2% SI(vU##$$ SЈ SI(vU##$$ S15 SI(vU##$$ S6,36% ^I(vU##$$ ^5,77% mX7vU##$$ m6,26% zpBvU  ##$$ z2006 SI(k C##$$ SЈ SI(k CU##$$ S10,2% SI(k CU##$$ SЈ SI(k CU##$$ S16 SI(k CU##$$ S6,63% ^I(k CU##$$ ^8,26% mX7k CU##$$ m6,52% zpBk CU  ##$$ z2007 SI(8!##$$ SЈ SI(8!U##$$ S0,5% SI(8!U##$$ SЈ SI(8!U##$$ S17 SI(8!U##$$ S6,13% ^I(8!U##$$ ^9,03% mX78!U##$$ m5,76% zpB8!U  ##$$ z2008 SI("##$$ SЈ SI("U##$$ SЄ22,0% SI("U##$$ SЈ SI("U##$$ S18 SI("U##$$ S3,61% ^I("U##$$ ^1,55% mX7"U##$$ m2,44% zpB"U  ##$$ z2009 SI("##$$ SЈ SI("U##$$ S0,3% SI("U##$$ SЈ SI("U##$$ S19 SI("U##$$ S3,06% ^I("U##$$ ^Є0,37% mX7"U##$$ m1,32% pB"U  ##$$ 2010 o^7#u##$$ oЈ iX7#uU##$$ i2,7% o^7#uU##$$ oЈ iX7#uU##$$ i20 iX7#uU##$$ i2,66% mX7#uU##$$ mЄ2,30% mX7#uU##$$ m1,65% ~tB#uU  ##$$ ~*)Samkvmt_meWaltalsformlu_ԀFME.F<:j$B    ##$$ F#44g##4Wg#