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GreiWslurtilhversafYessumeinstaklingumvorusamtalsbilinu1,1!1,5_ millj_ ._ kr_ .starfs   tmanefndarinnaroggreiWslurtilYessstarfsmannssemfkkgreittsamkvmtkjarasamningi  X _ Starfsgreinasambandsins_ ԀvegnaYrifahsnWinefndarinnarvoruaWmeWaltalium100.000 K #  _ kr_ .mnuWi.      0tilvikumtveggjalggiltraendurskoWendasemunnumeWnefndinni,_ umsj;narmanns_     _ tlvukerfis_ ԀnefndarinnarogfjgurraslenskralgfrWingasemunnuaWeinstkumverk   efnumfyrirnefndinavorugreiWslurfyrirstrfYeirra_ inntar_ Ԁafhendiformi_ verktaka wO  greiWslna_ ,UmisttilYeirrasemeinstaklingaeWalgaWilaYeirraeigu.ViWkvrWunendur B  gjaldifyrirvinnuYessaraaWilavareinsogtilvikumYeirrasemvorulaunaskrtekiWmiW    afsmuforsendumumlaunhjrkinufyrirsambrilegstrfaWviWbttumYeimkostnaWi   semannarshefWifalliWrkiWsemlaunagreiWandaenYeirbrusjlfirsemverktakar.XauviW {  miWt;kumiWaf_ mnaWarlaunum_ Ԁog_ einingafjlda_ ԀYeirrasemmiWaWvarviWogtilteknu_ starfs nF hlutfalli_ Ԁvegnaumrddraverkefna.XannigvarviWsamkomulagumendurgjaldfyrirvinnu 9 _ endurskoWendanna_ ԀtekiWmiWafkvrWun_ kjararWs_ Ԁumkjr_ rkisendurskoWanda_ Ԁoghjlg  frWingunumhfWsmuviWmiWoghjYeimlgfrWingumsemunnufyrirnefndinaaWWru  leyti.Annar_ endurskoWandinn_ ԀstarfaWifyrirnefndinaalls15mnuWiognmu_ mnaWarlegar_  r greiWslurtilhansaWfrdregnumvirWisaukaskattiaWmeWaltali1.091.668_ kr_ .fyrirfulltstarf e= enhinnstarfaWifyrirnefndinattamnuWiog_ mnaWarlegar_ ԀgreiWslurtilhansvoruaW 0 meWaltali916.589_ kr_ .n_ virWisaukaskatts_ .    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"   AukYeirragreiWslnasemgerWhefurveriWgreinfyrirhraWframanvorutveimurtilvik # um_ inntar_ Ԁafhendi_ verktakagreiWslur_ ԀtileinstaklingasemveittunefndinnirWgjfogaWstoW  $ ogerutilgreindiryfirlitibls.21!221.bindiskUrslunefndarinnar,sbr._ fylgiskjal_ .SamiW !W% varumupphWirYessaragreiWslnahverjutilvikimeWtillititilumfangsverkefnisinsog J""& nmuYrgreiWslur1.090.000og330.000_ kr_ . #' GreiWslurtilerlendrasrfrWinga. $ )   0skUrslu_ ranns;knarnefndarinnar_ ԀtilAlYingiseru1.bindi,bls.22,sbr._ fylgiskjal_ ,birt v%N!* nfnYeirraerlendusrfrWingasemunnumeWnefndinni.GreiWslurvegnaerlendrasrfrW A&"+ ingaogaWhlutavegnavinnuviWsrstakasamantektum_ krosseignatengsl_ Ԁsemunninvar  '", nafnierlendsflagsnmualls17.910.856_ kr_ .SamiWvarsrstaklegafyrirframumfjrhWir '#- greiWslnahverjutilvikifyrirsigogt;kuYrmiWafeWliverkefnisins,_ srfrWiYekkingu_ ԀviW (z$. komandiogYeimtmasemYurftiaWljkaverkefninu.HstagreiWslan,8.485.075_ kr_ .,var ( greiddvegnavinnuviWranns;knirbandarskspr;fessorsfjrmlumsemdvaldisthrlandi  vegumnefndarinnarogaWstoWaWihana.Tvr_ samantektir_ Ԁeftirpr;fessorinnvorubirtarsem  viWaukarviWskUrslu_ ranns;knarnefndarinnar_ ԀtilAlYingis,Y.e.viWauki39.bindiskUrslunnar a ogviWauki8sembirturer_ veftgfu_ ԀskUrslunnar.Xvorugreiddar2.478.700_ kr_ .tildansks T, _ lagapr;fessors_ ԀsemgerWittektogsamanburWtilteknumlagareglumum_ fjrmlafyrirtki_   og_ fjrmlagerninga_ ԀmeWtillititilslensksogdansksrttarmeWhliWsj;nafreglum_ Evr;pu  rtti_ .GreiWslatildansksfyrrverandi_ bankamanns_ Ԁsemdvaldihrlandivegumnefndarinn   arogveittihenniaWstoW,m.a.viWathugun_ tlnum_ ,nam1.688.022_ kr_ .ensrstksamantekt  X semhannvannvarbirtsemviWauki7_ veftgfu_ ԀskUrslu_ ranns;knarnefndarinnar_ .Xgreiddi K #  nefndinalls1.634.236_ kr_ .tilflagsBandarkjunumvegnavinnuoghugbnaWarviWrann    s;kn_ krosseignatengslum_ Ԁog_ tlnum_ ԀbankannatiltengdraaWilaensamantektumYrann    s;knvarbirtsemviWauki29.bindiskUrslunefndarinnar.Greiddarvoru1.003.950_ kr_ .til   pr;fessorsBretlandifyrirrWgjfoggreiningutilteknumatriWumfyrirnefndina.Til wO  viWb;tarvartveimurtilvikumgreittfyrirerlenda_ srfrWiaWstoW_ Ԁoghvorutilvikinmu B  greiWslurinnanviW200.000_ kr_ .0framangreindri_ heildartlu_ ԀumkostnaWviWerlendasrfrW    ingaereinnigeftiratvikumkostnaWurvegnatmabundinnardvalarYeirrahrlandivegum   nefndarinnar. {  GreiWslurtilannarra. 9   AukYeirragreiWslasemgerWhefurveriWgreinfyrirhraWframangreiddinefndinalls12  aWilum,einstaklingumeWa_ lgaWilum_ ,semekkiergetiWWurnefnduyfirliti1.bindiskUrslu  nefndarinnar,_ umsamdar_ Ԁ_ verktakagreiWslur_ ԀfyrirvinnuaWtilteknumverkefnum: r   Greiddarvoru6.297.500_ kr_ .auk_ virWisaukaskatts_ Ԁtileinstaklingsfyriryfirlesturogsam e= rmingutextaskUrslunefndarinnarfyrirprentun.Fyrirannanyfirlesturhandritiogpr;f 0 rkumaWskUrslunefndarinnarvoru1.456.747_ kr_ .greiddartileinstaklingsog327.504_ kr_ .til  _ lgaWila_ Ԁeiguannars_ yfirlesara_ .Jafnframtvorusamtalsgreiddar787.946_ kr_ .n_ virWisauka  skatts_ ԀtilfjgurraeinstaklingaogfyrirtkjavegnaYUWinga. i   Xvorugreiddar990.400_ kr_ .n_ virWisaukaskatts_ Ԁtil_ endurskoWunarfyrirtkis_ ԀsemgerWi \4 tilteknattektfyrirnefndina. '   Tveimureinstaklingumvorugreiddar_ verktakagreiWslur_ ԀvegnaYj;nustuviWtlvukerfi,  forritunarog_ gagnavinnslu_ Ԁsemnmu659.612_ kr_ .og380.000_ kr_ .Xvorutveimurfyrirtkj  um_ hugbnaWargerW_ Ԁog_ gagnavinnslu_ Ԁgreiddar1.373.400_ kr_ .og54.000_ kr_ .vegnaathugunar `  gerWsrhfWshugbnaWar.Xgreiddinefndin360.001_ kr_ .tillgaWilasemveittirWgjfviW S+! uppsetninguskUrslunefndarinnar.Greiddarvoru390.390_ kr_ .til_ kynningarfyrirtkis_ Ԁvegna " aWstoWarogbnaWarviWkynninguskUrslunefndarinnar.XfengusexaWilargreiddar # samtals587.250_ kr_ .fyrirUmisskonaraWstoW,einkum_ gagnflun_ Ԁogrvinnslu.  $   Xarsem_ fyrirspurnin_ ԀtekurtilYeirrasemfengugreittfyrirstrftengslumviWstrf !W% _ ranns;knarnefndarinnar_ ԀerekkifjallaWhrsrstaklegaum_ aWkeypta_ ԀYj;nustueWaleigu,svo J""& semvegnahugbnaWar,tlvubnaWar,_ upptkubnaWar_ ,ryggisgslu,prentunarskUrslu #' nefndarinnarogdreifingar. #(   HinsvegarnautnefndineinsogframkemurskUrslunefndarinnartilAlYingis,1.bindi, $ ) bls.23,sbr._ fylgiskjal_ ,aWstoWarstarfsmannaUmissastofnana,fyrirtkjaogeinstaklingaviW v%N!* aWleysatiltekinverkefnifyrirnefndinaY;ttYeirsemynnuslkverkvruekkitilgreindirsem A&"+ starfsmenneWameWalYeirrasemveittunefndinnirWgjf.UppgjrvegnaYessararvinnuaf  '", hlfunefndarinnarf;rframmeWYeimhttiaWnefndin_ endurgreiddi_ ԀviWkomandistofnuneWa '#- fyrirtkiYannlaunakostnaWsemfalliWhafWitilviWYauverkefnisemunninvoruYgu (z$. _ ranns;knarnefndarinnar_ .XannigvorumillifrWarafreikninginefndarinnar10.483.120_ kr_ . ( tilAlYingistilaWmtakostnaWivegnavinnustarfsmannaAlYingisviWaWskrifaupp_ skUrslu  tkur_ Ԁhjnefndinni(7.668.000_ kr_ .)ogpr;farkalestur(975.120_ kr_ .)auklaunatengdragjalda  (1.840.000_ kr_ .).Greiddarvoru1.667.724_ kr_ .tilembttisumboWsmannsAlYingisvegna a aWstoWarstarfsmannaembttisinsviWtilteknaheimildaleitogrvinnsluYeirra.Greiddarvoru T, 690.250_ kr_ .til_ HagfrWistofnunar_ ԀHsk;la0slandsvegnavinnustarfsmannastofnunarinnar  viWverkefnifyrirnefndina.Xgreiddinefndin846.960_ kr_ .til_ Kauphallarinnar_ ԀvegnaaWstoWar  starfsmannahennarviWtiltekinverkefniog397.752_ kr_ .til_ VerWbrfaskrningar_ Ԁ0slandsvegna   rvinnsluupplUsinga.EftiraWranns;knarnefndinltafstrfumvoru4.400.000_ kr_ .greiddar  X tilutanrkisrWuneytisinsvegnaYUWingaefnirskUrslunefndarinnarog26.795.000_ kr_ .til K #  _ Xj;Wskjalasafns_ Ԁ0slandsvegnam;ttkuog_ frgangs_ Ԁ_ rafrnum_ Ԁggnumfr_ ranns;knar    nefndinni_ .    GreiWslurvegna_ siWfrWih;ps_ . wO    Samkvmtlgumumranns;knaWdragandaogorskumfallsslenskubankanna2008 B  skyldi_ forstisnefnd_ ԀAlYingisskipasrstakanvinnuh;ptilaWleggjamathvortskUringar    fallislenskubankannaogtengdum_ efnahagsfllum_ ԀmttiaWeinhverjuleytifinnastarfs   httumogsiWferWi.TekiWvarframlgunumaW_ forstisnefndin_ ԀkvWiY;knuntilYeirra {  semhnskipaWi_ vinnuh;pinn_ ._ Forstisnefnd_ ԀskipaWiYauVilhjlmrnason,pr;fessor nF heimspekiviWHsk;la0slands,_ Salvru_ ԀNordal,forstWumann_ SiWfrWistofnunar_ ԀHsk;la 9 0slands,ogKristnu_ stgeirsd;ttur_ ,_ framkvmdastUru_ Ԁ_ Jafnrttisstofu_ ,_ vinnuh;pinn_ .Nefndin  kvaWfundisnum16.mars2009aWY;knunfulltra_ vinnuh;pnum_ Ԁskyldivera50.000_ kr_ .  mnuWiogformannsins75.000_ kr_ .Fyrir_ vinnuframlag_ Ԁskyldugreiddlaunpr;fessors,miWaW r viWlaunformannsins,eftiraWsamiWhefWiveriWum_ starfshlutfall_ Ԁogstarfstmamilli_ vinnu e= h;psins_ Ԁogformanns_ ranns;knarnefndarinnar_ .TekiWvarframaWumfyrirkomulaggreiWslna 0 skyldisamiWsrstaklegaviWhvern_ nefndarmann_ ,svoogvinnuveitandahansYarsemYaWtti  viWvegna_ tmabundins_ ԀleyfiseWa_ lkkaWs_ Ԁ_ starfshlutfalls_ .Umstarfskjrogstarfstmaannarra  semkynnuaWvinnafyrir_ vinnuh;pinn_ ԀskyldisamiWmilli_ formannanna_ ԀogYeirrastarfsmanna i semhlutttuaWmli.0tilvikumtveggjasemvoru_ vinnuh;pnum_ Ԁogvorujafnframtstarfs \4 mennHsk;la0slandsvargreittfyrir_ vinnuframlag_ ԀYeirraannarsvegarmeWendurgreiWslu ' launumYeirraoglaunatengdumgjldumtilHsk;la0slandsvegnaYesstmasemYauvoru  leyfifrdaglegumstrfumsnumYaroghinsvegarmeWgreiWslumfrnefndinnivegna_ viW  b;tarvinnu_ . `    GreiWslurtilfulltra_ vinnuh;pnum_ Ԁog/eWaendurgreiWslurtilvinnuveitendaYeirravoru S+! samtals(_ kr_ .): " ?>vvb ?vvb?  Vilhjlmurrnason 5.224.710(_ endurgreitt_ Ԁtil_ H0_ )+2.694.904=7.919.614 #   Kristn_ stgeirsd;ttir_  2.776.686  $   SalvrNordal 3.483.140(_ endurgreitt_ Ԁtil_ H0_ )+2.255.893=5.739.033 !W% C?vvb>vvb C  Xvorugreiddar400.000_ kr_ .tilhfundargreinargerWarsviWiflagslegrarslfrWisem J""& birtvarsemviWaukiII8.bindiskUrslu_ ranns;knarnefndarinnar_ .Greiddarvoru400.000_ kr_ . #' til_ Ranns;knaseturs_ ԀumfjlmiWlunogboWskiptivegna_ ttektar_ Ԁsemunninvarfyrir_ vinnu #( h;pinn_ .AukYessfenguYrreinstaklingargreiddar_ verktakagreiWslur_ Ԁvegna_ yfirlesturs_ Ԁdrg $ ) umaWskUrslu,aWstoWviWathuganir_ vinnuh;psins_ Ԁogrvinnslu_ fjlmiWlaefni_ ԀenYarvarum v%N!* aWrWa785.000_ kr_ .,250.000_ kr_ .og70.000_ kr_ . A&"+   '#- _ Fylgiskjal_ . ( mAu) dE>$ A^m     Starfsf;lknefndarinnar.  a V ikmo(̾x0_ikmo"i0J"  i0J* 2̾!3  Ԉ0    AWalsteinnE.J;nasson,hstarttarlgmaWurogd;sentviW_ lagadeild_ ԀHsk;lans  Reykjavk.i0J*W݌ Ќ  "i0J"  i0J 2̾!3  Ԉ0    AgnarR.Agnarsson,_ B.Sc_ .tlvunarfrWi.i0J݌  Ќ  "i0J"  i0J 2̾!3  Ԉ0    AnnaSigrWurGuWfinnsd;ttir,_ verkefnastj;ri_ ,_ CPMA_ .i0Jן݌ X Ќ  "i0J"  i0J 2̾!3  Ԉ0    Arna_ VarWard;ttir_ ,_ doktorsnemi_ ԀhagfrWi.i0J݌K #  Ќ  "i0J"  i0J. 2̾!3  Ԉ0    ArnaldurHjartarson,lgfrWingur.i0J.[݌   Ќ  "i0J"  i0J 2̾!3  Ԉ0    strWurX;rWard;ttir,_ viWskiptafrWingur_ ,_ MBA_ .i0JI݌   Ќ  "i0J"  i0Jl 2̾!3  Ԉ0    BaldurThorlacius,_ M.Sc_ .hagfrWi.i0Jl݌  Ќ  "i0J"  i0J| 2̾!3  Ԉ0    BjarniKristinnTorfason,_ B.S._ ԀstrWfrWiog_ iWnaWarverkfrWi_ Ԁog_ doktorsnemi_ Ԁ wO  _ fjrmlafrWi_ ԀviW_ Columbia_ -hsk;la.i0J|݌B  Ќ  "i0J"  i0J 2̾!3  Ԉ0    EirkurJ;nsson,lektorviW_ lagadeild_ ԀHsk;la0slands.i0J݌   Ќ  "i0J "  i0J 2̾!3  Ԉ0    ElnJ;nsd;ttir,lgfrWingur,_ LL.M._ i0Jݨ݌  Ќ  "i0J "  i0JƩ 2̾!3  Ԉ0    FinnurX;rVilhjlmsson,lgfrWingur.i0JƩ݌{  Ќ  "i0J "  i0J 2̾!3  Ԉ0    _ Esther_ ԀFinnbogad;ttir,_ viWskiptafrWingur_ ,_ MBA_ .i0J݌nF Ќ  "i0J "  i0J 2̾!3  Ԉ0    EyvindurG.Gunnarsson,lektorviW_ lagadeild_ ԀHsk;la0slands.i0JL݌9 Ќ  "i0J "  i0JN 2̾!3  Ԉ0    GuWmundurAxelHansen,_ B.S._ Ԁvla-og_ iWnaWarverkfrWi_ .i0JN{݌ Ќ  "i0J"  i0J 2̾!3  Ԉ0    GuWrnArad;ttir,_ B.Sc_ .viWskiptafrWi.i0JȮ݌ Ќ  "i0J"  i0J 2̾!3  Ԉ0    GuWrn_ Johnsen_ ,_ MA.E._ ԀhagfrWi,M.A.tlfrWioglektorviWviWskiptadeildHsk;l r ansReykjavk.i0J݌e= Ќ  "i0J"  i0JO 2̾!3  Ԉ0    GunnarSigurWsson,_ lggiltur_ Ԁ_ endurskoWandi_ .i0JO|݌0 Ќ  "i0J"  i0J 2̾!3  Ԉ0    GunnarX;rPtursson,srfrWingurviW_ lagadeild_ ԀHsk;lansReykjavkogn_ doktors  nemi_ .i0J݌ Ќ  "i0J"  i0J 2̾!3  Ԉ0    HeiWarX;rGuWnason,_ kerfisstj;ri_ .i0J=݌i Ќ  "i0J"  i0J* 2̾!3  Ԉ0    HWinnEyj;lfsson,_ M.Sc_ .viWskiptafrWi.i0J*W݌\4 Ќ  "i0J"  i0JI 2̾!3  Ԉ0    IngaSigrnX;rarinsd;ttir,_ rekstrarstj;ri_ .i0JIv݌' Ќ  "i0J"  i0Ji 2̾!3  Ԉ0    LWvkElasson,_ Ph.D._ ԀhagfrWi,lektorviW_ hagfrWideild_ ԀHsk;la0slands.i0Ji݌ Ќ  "i0J"  i0Jи 2̾!3  Ԉ0    MagnsSveinnHelgason,_ hagsgufrWingur_ .i0Jи݌ Ќ  "i0J"  i0J 2̾!3  Ԉ0    MagnsStefnsson,_ B.Sc_ .strWfrWi,_ M.Sc_ .hagnUtristrWfrWiog_ M.Sc_ .hagfrWi.i0J݌`  Ќ  "i0J"  i0Jw 2̾!3  Ԉ0    MargrtV.Bjarnad;ttir,lektorviW_ Stanford_ Ԁ_ Graduate_ Ԁ_ School_ Ԁof_ Business_ ,_ Ph.D._ Ԁfr S+! MIT_ aWgerWaranns;knum_ .i0Jw݌" Ќ  "i0J"  i0J 2̾!3  Ԉ0    _ Edward_ Ԁ_ McGehee_ ,_ laganemi_ ԀviW_ Harvard_ -hsk;la.i0J݌# Ќ  "i0J"  i0J  2̾!3  Ԉ0    :lafurGuWmundsson,_ M.Sc_ ._ rafmagnsverkfrWi_ .i0J 8݌ $ Ќ  "i0J"  i0JK 2̾!3  Ԉ0    SigurWurX;rWarson,_ lggiltur_ Ԁ_ endurskoWandi_ .i0JKx݌!W% Ќ  "i0J"  i0J 2̾!3  Ԉ0    SnbjrnGunnsteinsson,_ B.Sc_ .strWfrWi,_ M.Sc_ .tlfrWi,_ Ph.D._ Ԁ_ Cand_ .hagfrWi.i0J݌J""& Ќ  "i0J"  i0J9 2̾!3  Ԉ0    XurWurB.Sigurj;nsd;ttir,lgfrWingur.i0J9f݌#' Ќ    Xeirsemveittustarfsh;piumsiWferWiaWstoW: $ ) "i0J"  i0J 2̾!3  Ԉ0    FriWrikX;rGuWmundsson,stundakennariblaWa-og_ frttamennsku_ ԀviWHsk;la0slands.i0J݌v%N!* Ќ  "i0J"  i0J 2̾!3  Ԉ0    Hlynur_ Orri_ ԀStefnsson,M.A.heimspeki.i0J݌A&"+ Ќ  "i0J "  i0J 2̾!3  Ԉ0    HuldaX;risd;ttir,_ Ph.D._ Ԁ_ flagsslfrWi_ .i0J1݌ '",   "i0J!"  i0JM 2̾!3  Ԉ0    Kjartan:lafsson,lektorviWflagsvsindadeildHsk;lansAkureyri.i0JMz݌'#- Ќ  "i0J""  i0Jd 2̾!3  Ԉ0    V&   algerWurAnnaJ;hannsd;ttir,_ verkefnisstj;ri_ Ԁog_ aWjunkt_ ԀblaWa-og_ frttamennsku_ ԀviW ( H'(sk;la0slands.i0Jd݌ Ќ  "i0J#"  i0JL 2̾!3  Ԉ0    Xorbjrn_ Broddason_ ,pr;fessorflagsfrWiviWHsk;la0slands.i0JLy݌ Ќ    ErlendirsrfrWingar: T, "i0J$"  i0J 2̾!3  Ԉ0    _ Kern_ ԀAlexander,_ Ph.D._ Ԁogpr;fessorviW_ lagadeild_ Ԁ_ Queen_ Ԁ_ Mary_ ,_ University_ ԀofLondon  Bretlandi.ForstWumaWur?_ Law_ Ԁ_ and_ Ԁ_ Finance_ Ԁ_ Programme_ Ԁatthe_ center_ Ԁfor_ Commercial_   _ Law_ Ԁ_ Studies_  .i0J݌  Ќ  "i0J%"  i0J7 2̾!3  Ԉ0    MarkJ._ Flannery_ ,_ Ph.D._ Ԁogpr;fessorfjrmlumviW_ University_ Ԁof_ Florida_ Ԁ_ Fl;rda_   X Bandarkjunum.i0J7d݌K #  Ќ  "i0J&"  i0J  2̾!3  Ԉ0    _ Frystein_ Ԁ_ Gjesdal_ ,_ Ph.D._ Ԁogpr;fessorviW_ verslunarhsk;lann_ Ԁ_ Bergen_ ԀNoregi.i0J M݌   Ќ  "i0J'"  i0J 2̾!3  Ԉ0    _ Lars_ Ԁ_ Gorton_ ,pr;fessorviW_ lagadeild_ ԀHsk;lansLundiSvYj;W.i0J݌   Ќ  "i0J("  i0J] 2̾!3  Ԉ0    _ Jrn_ Ԁ_ Astrup_ ԀHansen,_ cand_ ._ oecon_ .ogformaWurstj;rnar_ EBH_ ԀbankA/SDanmrku.i0J]݌  Ќ  "i0J)"  i0J 2̾!3  Ԉ0    _ Nina_ Ԁ_ Dietz_ Ԁ_ Legind_ ,_ Ph.D._ Ԁogpr;fessorviW_ lagadeild_ Ԁ_ Syddansk_ Ԁ_ Universitet_ Ԁ_ :Winsvum_  wO  Danmrku.i0JG݌B  Ќ  "i0J*"  i0Jc 2̾!3  Ԉ0    _ Eric_ Ԁ_ Talley_ ,_ Ph.D._ Ԁpr;fessorog_ aWstoWarforstWumaWur_ Ԁlaga-,viWskipta-og_ hagfrWi    stofnunar_ Ԁ_ Berkeley_ -hsk;laKalifornuBandarkjunum.i0Jc݌  Ќ   _ikmo(%0x+ikmo