Quarterlytics / Financial Services / Insurance - Life / Citizens, Inc.

Citizens, Inc.

cia · NYSE Financial Services
Claim this profile
Ticker cia
Exchange NYSE
Sector Financial Services
Industry Insurance - Life
Employees 247
Overview Coverage Annual Reports FAQ Peers Earnings Calls Financials News Management
← All annual reports
FY2020 Annual Report · Citizens, Inc.
Sign in to download
Loading PDF…
 
 
 
 
 
 
 
   
  
 
 
 
 
 
 
 
 
   
 
 
 
   
 
 
 
   
 
 
 
 
 
 
 
 
   
 
 
 
 
 
   
   
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
        
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
   
   
   
   
 
 
 
 
 
 
   
   
   
   
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
   
   
 
 
  
   
   
   
   
 
   
   
   
   
 
 
   
   
   
   
 
 
  
   
   
   
   
  
   
   
   
   
 
   
   
   
   
 
 
   
   
   
   
 
   
   
   
   
 
 
 
 
 
 
   
   
   
   
 
   
   
   
   
 
   
   
   
   
 
 
 
 
 
 
 
 
 
 
   
   
   
   
 
   
   
   
   
 
   
   
   
   
 
   
   
   
   
 
 
   
   
   
   
 
 
   
   
   
   
 
 
   
   
   
   
 
 
  
   
   
   
   
  
   
   
   
   
 
   
   
   
   
 
 
   
   
   
   
 
 
   
   
   
   
 
 
   
   
   
   
 
 
  
   
   
   
   
  
   
   
   
   
 
   
   
   
   
 
 
   
   
   
   
 
 
   
   
   
   
 
 
   
   
   
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
   
 
 
 
 
 
 
 
 
 
 
 
 1 

 
 
 
 
 
 
 
 
 
 
 
   
  
   
 
 
  
   
   
   
  
   
   
   
 
   
  
   
 
 
   
  
   
 
 
   
  
   
 
 
  
   
   
   
 
   
  
   
 
 
   
  
   
 
 
   
  
   
 
 
   
  
   
 
 
   
  
   
 
 
   
  
   
 
 
  
   
   
   
  
   
   
   
 
   
  
   
 
 
   
  
   
 
 
   
  
   
 
 
   
  
   
 
 
   
  
   
 
 
   
  
   
 
 
  
   
   
   
  
   
   
   
 
   
  
   
 
 
   
  
   
 
 
   
  
   
 
 
   
  
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
   
   
   
 
 
 
 
 
 
 
 
 
   
   
   
 
 
 
 
 
 
 
 
 
 
   
   
   
 
 
  
  
  
  
 
 
 
 
 
 
 
 
. 

. 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
.

 
 
 
 
 
 
 
 
 
 
 
   
   
   
 
 
   
   
   
   
   
   
   
   
 
   
   
   
 
 
   
 
   
 
   
   
   
 
 
   
 
 
 
 
 
 
 
 
   
   
   
   
 
   
 
   
 
 
   
   
   
   
 
   
   
   
 
 
   
   
   
   
 
   
   
   
 
 
   
   
   
   
 
   
   
   
 
 
   
   
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
   
   
 
 
   
   
   
   
   
   
   
   
 
   
   
   
 
 
   
   
   
 
 
   
   
   
 
 
   
   
   
 
 
   
   
   
 
 
   
   
   
   
 
   
   
   
 
 
   
   
   
 
 
   
   
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
  
   
  
   
 
   
 
 
   
 
 
   
 
 
   
 
 
   
 
 
  
   
 
   
 
 
   
 
 
   
 
 
   
 
 
  
   
 
   
 
 
   
 
 
   
 
 
   
 
 
   
 
 
   
 
 
  
   
 
   
 
 
   
 
 
   
 
 
  
   
 
   
 
 
 
 
 
 
 
 
 
 
 
 
   
   
   
 
 
   
   
   
 
 
   
   
   
 
 
   
   
   
 
 
 
   
   
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
  
   
   
   
  
   
   
   
 
   
  
   
 
 
  
   
   
   
  
   
   
   
 
 
  
   
 
 
  
   
   
   
 
   
  
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
  
   
   
   
  
   
   
   
 
   
  
   
 
 
  
   
   
   
  
   
   
   
 
   
  
   
 
 
   
  
   
 
 
   
  
   
 
 
 
  
 
 
 
 
   
  
   
 
 
  
   
   
   
 
   
  
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
   
   
   
  
   
   
   
 
 
 
 
 
  
   
   
   
  
   
   
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
   
 
 
   
   
   
   
  
   
   
   
 
   
   
   
 
 
   
   
   
 
 
   
   
   
 
 
   
   
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
   
   
   
   
   
 
   
   
   
   
   
 
  
   
   
   
   
   
 
   
   
   
   
   
 
 
   
   
   
   
   
 
 
   
   
   
   
   
 
 
   
   
   
   
   
 
 
   
   
   
   
   
 
 
   
   
   
   
   
 
 
 
   
   
   
   
   
 
  
   
   
   
   
   
 
   
   
   
   
   
 
 
 
   
   
   
   
   
 
 
  
   
   
   
   
   
 
   
   
   
 
 
 
  
   
   
   
   
   
 
   
   
   
   
   
 
 
 
 
 
 
 
 
 
 
   
  
   
 
 
  
   
   
   
 
 
 
 
 
 
 
 
 
 
 
 
 1 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
   
   
   
   
   
   
 
   
   
   
   
   
   
   
  
  
  
  
  
  
  
 
  
  
  
  
  
  
  
 
  
  
  
  
  
  
  
 
  
  
 
  
  
  
  
 
  
  
  
  
  
  
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
  
  
  
  
  
  
 
  
  
  
  
  
  
  
 
  
  
  
  
  
  
  
 
  
  
  
  
  
  
  
 
 
 
   
   
   
   
   
   
   
 
   
   
   
   
   
   
   
  
  
  
  
  
  
  
 
  
  
  
  
  
  
  
 
  
  
  
  
  
  
  
 
  
  
  
  
  
  
  
 
  
  
  
  
  
  
  
 
  
  
  
  
  
  
  
 
  
  
  
  
  
  
  
 
  
  
  
  
  
  
  
 
  
  
  
  
  
  
  
 
 
 
   
   
   
   
   
   
   
 
   
   
   
   
   
   
   
  
  
  
  
  
  
  
 
  
  
  
  
  
  
  
 
  
  
  
  
  
  
  
 
  
  
  
  
  
  
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 - 

▪  
▪  

▪  

▪  

▪  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
◦  
◦  

•  

•  

•  

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
, 

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
  
 
 
 
 
 
   
 
  
 
 
 
 
 
   
 
  
 
 
 
 
 
   
 
  
 
 
 
  
 
   
 
 
 
 
 
  
 
   
 
  
 
 
 
 
 
   
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
-

-

 
 
 
 
 
 
 
 
 
 
‒ 

‒ 

‒   

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
   
 
 
 
 
 
 
 
 
   
   
   
   
   
   
  
   
   
 
 
   
 
 
 
   
 
 
 
   
 
 
 
   
 
 
 
   
 
 
  
 
   
 
  
   
   
 
 
   
 
 
 
   
 
 
 
   
 
 
 
   
 
 
 
   
 
  
 
   
 
 
  
   
   
  
   
   
  
   
   
 
 
   
 
 
 
   
 
 
 
   
 
 
  
 
   
 
 
  
   
   
  
   
   
 
 
   
 
 
 
   
 
 
 
   
 
 
 
   
 
 
 
   
 
 
 
   
 
   
 
   
 
 
 
   
 
  
 
   
 
 
  
   
   
  
   
   
 
 
   
 
  
 
   
 
 
 
   
 
  
 
   
 
 
   
   
 
  
 
 
  
 
   
 
 
  
   
   
  
 
   
 
 
  
   
   
 
   
   
 
 
 
 
 
 
  
 
 
 
 
   
 
 
   
   
   
 
 
   
 
 
 
 
  
 
 
  
 
   
 
 
  
   
   
  
   
   
 
 
 
 
 
 
  
 
   
 
 
 
 
 
   
 
  
 
   
 
 
  
   
   
 
 
 
  
 
   
 
 
  
   
   
 
 
 
 
 
 
  
 
   
 
 
  
   
   
  
   
   
  
 
   
 
 
   
   
 
 
  
   
   
  
   
   
 
 
   
 
 
 
   
 
 
  
   
   
  
   
   
  
 
   
 
  
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
  
 
 
  
 
 
 
 
 
 
 
 
 
  
 
 
  
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
   
   
   
   
   
 
 
   
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
   
   
   
   
   
 
 
 
 
  
 
   
 
   
   
   
   
   
   
 
 
 
   
 
   
   
   
   
   
   
 
 
 
 
   
 
   
   
   
 
   
   
 
 
 
   
 
   
   
   
 
   
   
 
 
 
  
 
   
 
   
   
   
   
   
   
 
 
   
 
   
 
   
   
   
   
 
 
 
   
 
   
   
   
   
 
 
 
 
   
 
   
   
   
   
   
   
 
 
 
   
 
   
   
   
   
   
   
 
 
 
   
 
   
   
   
   
   
   
 
 
 
   
 
   
   
 
   
   
   
 
 
 
   
 
   
 
   
   
   
   
 
 
 
   
 
   
   
   
   
   
   
 
 
 
 
   
 
   
   
   
   
   
 
 
 
 
  
 
   
 
   
   
   
   
   
   
 
 
  
 
   
 
   
   
   
   
   
   
 
 
 
   
 
   
   
   
   
   
 
 
 
 
  
 
   
 
   
   
   
   
   
   
 
 
 
   
 
   
   
   
   
   
   
 
 
 
 
   
 
   
   
   
 
   
   
 
 
 
   
 
   
   
   
 
   
   
 
 
 
  
 
   
 
   
   
   
   
   
   
 
 
   
 
   
 
   
   
   
   
 
 
 
   
 
   
 
   
   
   
   
 
 
 
   
 
   
   
   
   
   
   
 
 
 
   
 
   
   
   
   
   
   
 
 
 
 
   
 
   
   
   
   
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
  
 
 
 
 
   
 
 
   
   
   
  
   
   
  
   
   
  
 
   
 
  
   
   
 
 
   
 
 
   
   
 
 
   
   
 
 
   
   
 
 
   
   
 
 
   
   
 
 
   
   
 
   
 
   
 
 
 
 
 
   
   
 
   
 
 
 
 
   
 
   
 
 
   
   
   
 
   
 
 
  
   
   
  
   
   
 
   
   
 
 
   
 
 
   
 
 
 
   
   
 
 
   
 
 
 
   
 
 
   
   
 
 
   
   
 
 
   
 
 
  
 
   
 
   
   
  
 
   
 
  
 
   
  
 
 
 
 
  
   
   
  
   
   
  
 
   
 
 
 
  
 
 
  
 
 
 
  
   
   
  
 
   
 
  
 
   
 
  
 
   
 
  
 
   
 
 
  
   
   
  
 
   
 
  
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
;

 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
   
   
 
   
 
 
   
 
 
   
 
 
 
   
 
 
 
 
 
 
   
 
 
   
   
 
   
 
 
   
 
 
   
 
 
 
   
 
 
 
 
 
 
 
   
 
 
   
   
 
   
 
 
   
 
 
   
 
 
   
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
   
 
 
   
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
   
   
   
   
 
   
 
 
   
 
 
 
   
 
 
 
 
 
 
 
   
 
 
   
   
 
   
 
 
   
 
 
   
 
 
   
 
 
   
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
   
   
 
 
   
   
   
 
 
   
   
   
 
 
   
   
   
 
 
 
 
 
 
   
   
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
   
 
 
   
   
   
 
   
   
 
 
   
   
 
 
   
   
 
 
   
 
   
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
   
   
 
 
   
 
 
 
   
 
 
   
 
 
 
 
   
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
  
   
   
   
 
   
   
   
 
 
 
   
   
 
 
   
   
   
 
 
   
   
 
 
 
   
   
   
 
 
   
   
 
 
 
 
   
   
 
 
   
 
   
 
 
   
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
   
   
 
 
 
 
 
 
 
   
 
 
   
   
   
   
   
 
   
   
   
   
 
 
   
   
   
   
 
 
 
 
   
 
 
   
   
   
   
 
 
 
 
   
 
 
   
   
 
 
 
   
   
   
   
 
 
 
   
   
 
 
   
   
   
   
 
 
 
   
   
   
   
 
 
   
   
   
   
 
   
   
   
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
   
  
 
 
   
 
 
   
 
 
 
   
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
   
 
 
 
 
 
 
   
 
 
   
   
 
   
 
 
   
 
 
   
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
   
   
 
   
 
 
   
 
 
   
 
 
   
 
 
   
 
 
   
 
 
   
 
 
   
 
 
 
 
 
 
   
 
 
 
 
   
   
 
   
 
 
   
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
   
   
 
   
 
 
   
 
 
   
 
 
   
 
 
   
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
   
 
   
 
   
   
   
 
 
   
   
   
 
 
 
   
 
 
 
   
   
 
 
 
   
   
   
 
 
   
   
   
 
 
 
   
 
 
 
 
 
   
 
 
 
 
   
 
 
 
   
 
 
 
   
 
 
 
   
 
 
 
   
 
 
 
   
 
 
 
   
 
 
 
   
 
 
 
   
 
 
 
   
 
 
   
 
   
 
 
 
 
 
 
 
 
 
 
   
 
 
   
   
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
   
 
   
 
   
   
  
 
 
   
   
  
 
 
   
   
  
 
 
   
   
  
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
   
 
   
 
   
   
   
 
 
   
   
   
 
 
   
   
   
 
 
   
   
   
 
 
 
 
 
 
 
   
 
 
 
 
 
   
 
   
 
 
   
   
   
 
 
   
 
   
 
   
 
 
   
   
   
 
 
 
 
 
 
 
   
   
   
 
   
 
 
   
   
   
   
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
   
   
 
 
 
 
 
 
 
 
 
   
 
 
   
   
 
   
 
 
   
 
 
 
 
 
   
 
 
 
 
 
   
 
 
   
   
 
   
 
 
 
 
 
   
 
 
 
 
 
 
 
 
   
 
 
   
   
 
   
 
 
   
 
 
   
 
 
   
 
 
   
 
 
 
 
 
 
 
 
   
 
 
 
 
 
   
 
 
  
   
 
   
 
 
   
 
 
   
 
 
   
 
 
   
 
 
   
 
 
 
 
 
 
 
   
 
 
  
   
 
   
 
 
   
 
 
   
 
 
   
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
   
 
   
 
 
 
   
 
 
 
   
 
 
 
   
 
 
 
   
 
 
 
   
 
 
 
   
 
 
 
   
 
 
 
 
 
 
   
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
   
   
 
  
   
 
   
 
 
   
 
 
   
 
 
   
 
 
   
 
 
   
 
 
 
 
   
 
 
  
   
 
 
   
 
 
 
 
   
 
 
 
  
   
 
 
   
 
 
 
 
 
 
 
 
 
 
   
 
 
   
   
 
   
 
 
  
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
   
   
   
   
   
   
   
   
   
 
   
   
   
   
   
 
   
   
   
   
   
 
 
 
   
   
   
 
   
   
   
   
   
 
 
 
 
 
 
 
 
   
   
  
   
   
 
   
   
   
   
 
 
   
   
   
   
 
 
   
   
   
   
 
   
   
   
   
 
 
 
 
   
   
 
 
 
 
 
 
 
 
   
 
 
   
   
   
   
 
   
 
   
 
 
   
 
 
   
   
   
   
 
   
 
 
   
 
 
   
 
 
   
 
 
 
 
 
 
 
 
   
   
 
 
 
 
 
 
 
 
 
 
 
   
   
   
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
   
   
 
   
   
 
 
   
   
 
 
   
   
 
 
   
   
 
 
 
   
 
   
 
 
   
   
 
 
 
 
 
 
 
 
   
 
 
  
   
 
   
 
 
   
   
 
   
 
 
   
 
 
   
 
 
  
   
 
   
 
 
   
 
 
 
 
 
 
 
 
 
 
  
   
   
   
 
  
   
   
   
 
   
   
   
   
 
   
   
   
 
 
   
   
   
 
 
   
   
   
 
 
   
   
   
 
 
 
   
   
   
   
 
  
   
   
   
 
   
   
   
 
 
 
 
   
   
   
 
 
 
 
  
   
   
   
 
  
   
   
   
 
  
   
   
   
 
 
 
 
 
 
 
 
 
 
 
   
   
   
 
 
  
   
   
   
 
   
   
   
 
 
 
 
   
   
   
 
 
 
 
 
 
 
 
 
 
 
 
  
   
   
   
 
  
   
   
   
 
   
   
   
   
 
   
   
   
 
 
   
   
   
 
 
   
   
   
 
 
   
   
   
 
 
 
   
   
   
   
 
  
   
   
   
 
   
   
   
 
 
   
   
   
 
 
 
 
   
   
   
 
 
 
 
  
   
   
   
 
  
   
   
   
 
  
   
   
   
 
   
   
   
 
 
   
   
   
 
 
 
 
   
   
   
 
 
  
   
   
   
 
   
   
   
 
 
   
   
   
 
 
   
   
   
 
 
   
   
   
 
 
 
 
   
   
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
   
   
   
   
 
   
 
 
 
 
 
 
 
 
   
 
 
   
   
   
   
 
 
 
 
 
 
   
   
  
  
 
   
 
   
 
  
  
   
   
 
 
 
 
 
  
  
 
 
 
 
 
 
 
 
 
 
 
 
 
   
   
   
 
 
   
   
   
 
 
   
   
   
 
 
 
   
   
   
 
 
 
 
 
 
 
 
 
   
 
 
   
   
 
   
 
 
   
 
 
   
 
 
 
   
 
 
 
 
 
 
   
 
 
   
   
 
   
 
 
   
 
 
   
 
 
   
 
 
   
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
 
 
   
   
 
   
 
 
   
 
 
   
 
 
  
   
 
   
 
 
   
 
 
   
 
 
  
   
 
   
 
 
  
   
 
   
 
 
   
 
 
   
 
 
 
 
   
 
 
  
   
 
   
 
 
   
 
 
 
 
 
 
 
 
 
 
   
 
 
   
   
 
 
 
 
 
 
 
   
   
 
 
 
 
 
 
 
   
 
 
 
 
   
   
 
 
 
 
 
 
 
   
 
 
 
   
 
 
 
 
 
 
 
 
 
 
   
   
 
   
 
 
   
 
 
   
 
 
 
 
 
 
 
 
 
 
   
   
 
   
 
 
 
 
 
 
 
   
 
 
 
 
 
 
 
 
 
   
 
   
   
 
 
 
   
 
   
 
 
 
 
 
 
   
   
   
   
 
 
 
   
 
 
 
 
 
   
   
 
 
 
 
 
 
 
 
 
   
 
 
   
   
 
   
 
   
 
 
 
 
   
 
   
 
   
 
 
 
 
 
 
 
 
   
 
 
 
 
 
   
 
 
   
   
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
   
   
   
   
 
   
   
   
 
 
 
   
   
 
 
   
 
 
   
   
 
 
 
   
   
   
   
 
   
   
 
 
 
   
 
 
 
   
 
 
   
   
 
 
 
 
   
 
 
   
   
 
 
 
   
   
   
   
 
   
   
   
 
 
 
   
 
 
   
   
   
 
 
 
 
 
 
 
   
   
   
   
 
   
   
   
 
 
 
   
   
 
 
   
 
 
   
   
 
 
 
   
   
   
   
 
   
   
 
 
 
   
 
 
 
   
   
 
 
   
 
 
   
   
   
 
 
   
   
 
 
 
 
   
 
 
   
   
 
 
 
   
   
   
   
 
   
   
   
 
 
 
   
 
 
   
   
   
 
 
 
Ȋ