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<div class=Section1>
<p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";
color:#1F497D'>Robert <o:p></o:p></span></p>
<p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";
color:#1F497D'><o:p> </o:p></span></p>
<p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";
color:#1F497D'>Your negative week has a good point. We are talking about the
(NIMBY) Not In My Backyard Atitude. A system that works irrelevant of where it
was made might have short time value but a system developed by someone who has
very limited stakeholder value is very costly in the long run. <o:p></o:p></span></p>
<p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";
color:#1F497D'><o:p> </o:p></span></p>
<p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";
color:#1F497D'>So we believe because a system has worked somewhere else it will
be reliable and better than a home grown product. That mentality would never
have created Mpessa—like it or not Mobile Money as we know it world wide today
was born in Kenya. The code might have been written elsewhere but the real
implementation was in .ke region.<o:p></o:p></span></p>
<p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";
color:#1F497D'><o:p> </o:p></span></p>
<p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";
color:#1F497D'>My suggestion is that we embrace the EAC and open up local
projects in all 5 countries to regional developers or encourage in external
bidders to use local skills and services as much as possible when they are
awarded contracts. <o:p></o:p></span></p>
<p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";
color:#1F497D'><o:p> </o:p></span></p>
<p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";
color:#1F497D'>Another way of securing work on big contracts for local
developers is to make sure that the work permit system for IT staff is refined
and emphasis on skills transfer for those roles where we are lacking is
enforced.<o:p></o:p></span></p>
<p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";
color:#1F497D'><o:p> </o:p></span></p>
<p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";
color:#1F497D'>regards<o:p></o:p></span></p>
<p class=MsoNormal><span style='font-size:11.0pt;font-family:"Calibri","sans-serif";
color:#1F497D'> <o:p></o:p></span></p>
<div style='border:none;border-left:solid blue 1.5pt;padding:0in 0in 0in 4.0pt'>
<div>
<div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'>
<p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>From:</span></b><span
style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>
kictanet-bounces+ntegeb=one2net.co.ug@lists.kictanet.or.ke
[mailto:kictanet-bounces+ntegeb=one2net.co.ug@lists.kictanet.or.ke] <b>On
Behalf Of </b>robert yawe<br>
<b>Sent:</b> Thursday, September 23, 2010 5:33 PM<br>
<b>To:</b> ntegeb@one2net.co.ug<br>
<b>Cc:</b> KICTAnet ICT Policy Discussions<br>
<b>Subject:</b> Re: [kictanet] Commodity Exchange System<o:p></o:p></span></p>
</div>
</div>
<p class=MsoNormal><o:p> </o:p></p>
<div>
<div>
<p class=MsoNormal>Jewish saying <o:p></o:p></p>
</div>
<div>
<p class=MsoNormal><o:p> </o:p></p>
</div>
<div>
<p class=MsoNormal>When they came for my neighbour I said nothing<o:p></o:p></p>
</div>
<div>
<p class=MsoNormal>When they came for my brother I said nothing<o:p></o:p></p>
</div>
<div>
<p class=MsoNormal>When they came for me there was no one to say anything<o:p></o:p></p>
</div>
<div>
<p class=MsoNormal><o:p> </o:p></p>
</div>
<div>
<p class=MsoNormal>This is what this attitude of I do not care where it comes
from leads to.<o:p></o:p></p>
</div>
<div>
<p class=MsoNormal><o:p> </o:p></p>
</div>
<div>
<p class=MsoNormal>Have a negative week<o:p></o:p></p>
</div>
<div>
<p class=MsoNormal><o:p> </o:p></p>
</div>
<div>
<p class=MsoNormal>Regards<br>
<o:p></o:p></p>
</div>
<p class=MsoNormal style='margin-bottom:12.0pt'>Robert Yawe<br>
KAY System Technologies Ltd<br>
Phoenix House, 6th Floor<br>
P O Box 55806 Nairobi, 00200<br>
Kenya<o:p></o:p></p>
<div>
<p class=MsoNormal>Tel: +254722511225, +254202010696<o:p></o:p></p>
<div>
<p class=MsoNormal><o:p> </o:p></p>
</div>
<div>
<p class=MsoNormal><o:p> </o:p></p>
<div>
<div class=MsoNormal align=center style='text-align:center'><span
style='font-size:10.0pt;font-family:"Tahoma","sans-serif"'>
<hr size=1 width="100%" align=center>
</span></div>
<p class=MsoNormal style='margin-bottom:12.0pt'><b><span style='font-size:10.0pt;
font-family:"Tahoma","sans-serif"'>From:</span></b><span style='font-size:10.0pt;
font-family:"Tahoma","sans-serif"'> Edwin Onchari <eonchari@lynxbits.com><br>
<b>To:</b> robertyawe@yahoo.co.uk<br>
<b>Cc:</b> KICTAnet ICT Policy Discussions <kictanet@lists.kictanet.or.ke><br>
<b>Sent:</b> Thu, 23 September, 2010 11:54:13<br>
<b>Subject:</b> Re: [kictanet] Commodity Exchange System</span><o:p></o:p></p>
<div>
<p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial","sans-serif";
color:#1F497D'>Any innovation does/should go through some beta testing!
That said, whether the system is developed in Silicon Valley or a backstreet in
N’Djamena is immaterial. As a user, all I want is a system that meets my needs
and is priced right</span><o:p></o:p></p>
<p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial","sans-serif";
color:#1F497D'> </span><o:p></o:p></p>
<p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:#1F497D'>Edwin</span><o:p></o:p></p>
<p class=MsoNormal><span style='font-size:11.0pt;font-family:"Arial","sans-serif";
color:#1F497D'> </span><o:p></o:p></p>
<div style='border:none;border-top:solid #B5C4DF 1.0pt;padding:3.0pt 0in 0in 0in'>
<p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>From:</span></b><span
style='font-size:10.0pt;font-family:"Arial","sans-serif"'>
kictanet-bounces+eonchari=lynxbits.com@lists.kictanet.or.ke
[mailto:kictanet-bounces+eonchari=lynxbits.com@lists.kictanet.or.ke] <b>On
Behalf Of </b>Andrea Bohnstedt<br>
<b>Sent:</b> Thursday, September 23, 2010 11:14 AM<br>
<b>To:</b> Edwin<br>
<b>Cc:</b> KICTAnet ICT Policy Discussions<br>
<b>Subject:</b> Re: [kictanet] Commodity Exchange System</span><o:p></o:p></p>
</div>
<p class=MsoNormal> <o:p></o:p></p>
<p class=MsoNormal style='margin-bottom:12.0pt'>Robert, I think you missed my
point. <br>
<br>
I wear clothes by Kenyan fashion designers, shoes made locally, use mugs made
here, and I have had all my office furniture made on Ngong Road. <br>
<br>
If my locally made furniture is a bit out of shape because the wood wasn't
dried properly, no harm done. If a trading system messes up, potentially
massive harm done. <br>
<br>
I recall discussions a week or two ago, on this very list, about mobile
operators' billing and other systems, and how people got very worked up that
this wasn't working properly. And rightly so. How is this different from a
trading system? <br>
<br>
In conclusion: I honestly don't care where the system comes from. I need it to
work. That's the beauty of a global economy: you have the choice to buy
whatever works best for you. If Kenyan companies compete on that level:
excellent. If they don't - I'll buy from someone else. <br>
<br>
Andrea <o:p></o:p></p>
<div>
<p class=MsoNormal>On 23 September 2010 10:23, robert yawe <<a
href="mailto:robertyawe@yahoo.co.uk" target="_blank">robertyawe@yahoo.co.uk</a>>
wrote:<o:p></o:p></p>
<div>
<div>
<div>
<p class=MsoNormal>Hi,<o:p></o:p></p>
</div>
<div>
<p class=MsoNormal> <o:p></o:p></p>
</div>
<div>
<p class=MsoNormal>Who had tested the DOS operating system, Windows OS and
closer to home MPesa/MKesho/PAP? Even God created Adam and used him as a
prototype for testing.<o:p></o:p></p>
</div>
<div>
<p class=MsoNormal> <o:p></o:p></p>
</div>
<div>
<p class=MsoNormal>All systems must begin somewhere, at some point there was
nothing but did the fellows who developed the NSE's ATS system begin with a
fully tested and proven solution, NO.<o:p></o:p></p>
</div>
<div>
<p class=MsoNormal> <o:p></o:p></p>
</div>
<div>
<p class=MsoNormal>Lets stop belittling ourselves, I got children without
having to pass an exam on parenting so why do we think that we cannot develop a
reliable solution from scratch, we are baby cries all we do is complain,
complain, complain and when an opportunity presents itself we crucify
it, stone it and finally burn it at the stake.<o:p></o:p></p>
</div>
<div>
<p class=MsoNormal> <o:p></o:p></p>
</div>
<div>
<p class=MsoNormal>This can only be explained with the great words of our
mighty President, "hi ni u kumbafu" and as interpreted, by one Hon.
Michuki, for the uninitiated like Andrea "ni mutu ambaye anajua kile
anatakiwa kufanya lakini anakataa kukifanya, huyo ni KUBAFU".<o:p></o:p></p>
</div>
<div>
<p class=MsoNormal> <o:p></o:p></p>
</div>
<div>
<p class=MsoNormal>We we cannot pull ourselves out of this importation quagmire
lets stop consuming bandwidth that the ISPs have sworn never to reduce in
price.<o:p></o:p></p>
</div>
<div>
<p class=MsoNormal> <o:p></o:p></p>
</div>
<div>
<p class=MsoNormal>Lets all have a good day dressed in our imported suites,
using imported software, on imported computers and sitting on imported chairs.<o:p></o:p></p>
</div>
<div>
<p class=MsoNormal> <o:p></o:p></p>
</div>
<div>
<p class=MsoNormal>Asimuamushe alielala . . .<o:p></o:p></p>
</div>
<div>
<p class=MsoNormal> <o:p></o:p></p>
</div>
<div>
<p class=MsoNormal>Regards <br>
<o:p></o:p></p>
</div>
<div>
<p class=MsoNormal style='margin-bottom:12.0pt'>Robert Yawe<br>
KAY System Technologies Ltd<br>
Phoenix House, 6th Floor<br>
P O Box 55806 Nairobi, 00200<br>
Kenya<o:p></o:p></p>
</div>
<div>
<p class=MsoNormal>Tel: +254722511225, +254202010696<o:p></o:p></p>
<div>
<p class=MsoNormal> <o:p></o:p></p>
</div>
<div>
<div>
<p class=MsoNormal> <o:p></o:p></p>
</div>
<div>
<div>
<div class=MsoNormal align=center style='text-align:center'><span
style='font-size:10.0pt;font-family:"Arial","sans-serif"'>
<hr size=1 width="100%" align=center>
</span></div>
<p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>From:</span></b><span
style='font-size:10.0pt;font-family:"Arial","sans-serif"'> Andrea Bohnstedt <<a
href="mailto:andrea.bohnstedt@ratio-magazine.com" target="_blank">andrea.bohnstedt@ratio-magazine.com</a>><br>
<b>To:</b> <a href="mailto:robertyawe@yahoo.co.uk" target="_blank">robertyawe@yahoo.co.uk</a><br>
<b>Cc:</b> KICTAnet ICT Policy Discussions <<a
href="mailto:kictanet@lists.kictanet.or.ke" target="_blank">kictanet@lists.kictanet.or.ke</a>><br>
<b>Sent:</b> Thu, 23 September, 2010 9:35:41</span><o:p></o:p></p>
</div>
<div>
<div>
<p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'><br>
<b>Subject:</b> Re: [kictanet] Commodity Exchange System</span><o:p></o:p></p>
</div>
</div>
<div>
<div>
<p class=MsoNormal style='margin-bottom:12.0pt'><br>
Hey all, <br>
<br>
Both the NSE and a future commodity exchange are trading platforms, and I think
it's crucial, absolutely crucial, that they have flawless technology behind
them - look at it from the perspective of anyone who trades on them, whether
small retail investors (of which Kenya has hundreds of thousands) or large
brokers. <br>
<br>
I actually don't care where such a system comes from, whether it's built
locally or abroad. But I don't think these are the right places to experiment
with new systems. It has to be tried and tested and reliable. <br>
<br>
Have a lovely Thursday, <br>
Andrea <o:p></o:p></p>
<div>
<p class=MsoNormal>On 23 September 2010 09:23, Edith Adera <<a
href="mailto:eadera@idrc.or.ke" target="_blank">eadera@idrc.or.ke</a>>
wrote:<o:p></o:p></p>
<div>
<div>
<p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:black'>In other African countries, even where such large projects are
outsourced to foreigners, twinning is done with local IT firms as a requirement
and subsequent roll-out to branch offices are done entirely by locals - I'm
aware of a massive systems deployment within government in a neighboring
country where such twinning is being done and the system roll-out will be done
by locals. NCPB is a government agency, correct? If so, the government should
look inward first! </span><o:p></o:p></p>
</div>
<div>
<p class=MsoNormal> <o:p></o:p></p>
</div>
<div>
<p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif";
color:black'>Dr Ndemo, any comment? You've always been an advocate of local
innovation.</span><o:p></o:p></p>
</div>
<div>
<p class=MsoNormal> <o:p></o:p></p>
</div>
<div>
<p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Why
do we have global award winners who can't be tried and tested locally? what
policy should be in place to encourage local software innovation? The argument
that local firms are free to competet alongside international firms at this
stage of our development is a "tired" argument in my view. Some
"affirmative action" policy may be necessary.</span><o:p></o:p></p>
</div>
<div>
<p class=MsoNormal> <o:p></o:p></p>
</div>
<div>
<p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Edith</span><o:p></o:p></p>
</div>
<div>
<p class=MsoNormal> <o:p></o:p></p>
</div>
<div>
<div>
<p class=MsoNormal style='line-height:115%'><b><span style='font-size:10.0pt;
line-height:115%;color:#1F497D'>________________
</span></b><o:p></o:p></p>
<p class=MsoNormal style='line-height:115%'><b><span style='font-size:10.0pt;
line-height:115%;color:black'>Edith Ofwona Adera</span></b><b><span
style='font-size:10.0pt;line-height:115%;color:#1F497D'> </span></b><o:p></o:p></p>
<p class=MsoNormal style='line-height:115%'><span style='font-size:10.0pt;
line-height:115%;color:black'>Senior Program Specialist </span><o:p></o:p></p>
<p class=MsoNormal style='line-height:115%'><span style='font-size:10.0pt;
line-height:115%;color:black'>ICT4D Program and Climate Change & Water
Program</span><o:p></o:p></p>
<p class=MsoNormal style='line-height:115%'><span lang=FR-CA style='font-size:
10.0pt;line-height:115%;color:black'>International Development Research Centre
| Centre de recherches pour le développement international</span><o:p></o:p></p>
<p class=MsoNormal style='line-height:115%'><span lang=EN-CA style='font-size:
10.0pt;line-height:115%;color:black'>Regional Office for Eastern and Southern
Africa</span><o:p></o:p></p>
<p class=MsoNormal style='line-height:115%'><span lang=FR-CA style='font-size:
10.0pt;line-height:115%;color:black'>Tel: +254202713160 | Fax/Téléc:
+254202711063 | Skype: edithadera</span><o:p></o:p></p>
<p class=MsoNormal style='line-height:115%'><span lang=FR-CA style='font-size:
10.0pt;line-height:115%;color:#1F497D'><a href="mailto:eadera@idrc.or.ke"
target="_blank">eadera@idrc.or.ke</a> | </span><a href="http://www.idrc.ca/"
target="_blank"><span lang=FR-CA style='font-size:10.0pt;line-height:115%;
color:#1F497D'>www.idrc.ca</span></a><span lang=FR-CA style='font-size:10.0pt;
line-height:115%;color:#1F497D'> | </span><a href="http://www.crdi.ca/"
target="_blank"><span lang=FR-CA style='font-size:10.0pt;line-height:115%;
color:#1F497D'>www.crdi.ca</span></a><o:p></o:p></p>
<p class=MsoNormal style='line-height:115%'><b><span style='font-size:10.0pt;
line-height:115%'>Error! Filename not specified.</span></b><o:p></o:p></p>
</div>
</div>
<div>
<div class=MsoNormal align=center style='text-align:center'>
<hr size=2 width="100%" align=center>
</div>
<p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>From:</span></b><span
style='font-size:10.0pt;font-family:"Arial","sans-serif"'>
kictanet-bounces+eadera=<a href="http://idrc.or.ke" target="_blank">idrc.or.ke</a>@<a
href="http://lists.kictanet.or.ke" target="_blank">lists.kictanet.or.ke</a>
[kictanet-bounces+eadera=<a href="http://idrc.or.ke" target="_blank">idrc.or.ke</a>@<a
href="http://lists.kictanet.or.ke" target="_blank">lists.kictanet.or.ke</a>] On
Behalf Of Mwololo Tim [<a href="mailto:timwololo@gmail.com" target="_blank">timwololo@gmail.com</a>]<br>
<b>Sent:</b> 23 September 2010 08:26<br>
<b>To:</b> Edith Adera</span><o:p></o:p></p>
<div>
<p class=MsoNormal><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'><br>
<b>Cc:</b> KICTAnet ICT Policy Discussions</span><o:p></o:p></p>
</div>
<div>
<p class=MsoNormal><b><span style='font-size:10.0pt;font-family:"Arial","sans-serif"'>Subject:</span></b><span
style='font-size:10.0pt;font-family:"Arial","sans-serif"'> Re: [kictanet]
Commodity Exchange System</span><o:p></o:p></p>
</div>
<p class=MsoNormal> <o:p></o:p></p>
</div>
<div>
<div>
<div>
<p class=MsoNormal style='margin-bottom:12.0pt'>Hi everyone,<br>
Let us instead push for a policy that is supportive of local software
development. Giving up is not an option. Rgds. tm<o:p></o:p></p>
<div>
<p class=MsoNormal>On Tue, Sep 21, 2010 at 2:22 PM, robert yawe <<a
href="mailto:robertyawe@yahoo.co.uk" target="_blank">robertyawe@yahoo.co.uk</a>>
wrote:<o:p></o:p></p>
<div>
<div>
<div>
<p class=MsoNormal>Hi,<o:p></o:p></p>
</div>
<div>
<p class=MsoNormal> <o:p></o:p></p>
</div>
<div>
<p class=MsoNormal>The National Cereals and Produce Board together with the
East African Grain Council are working towards the creation of a commodity
exchange to trade futures.<o:p></o:p></p>
</div>
<div>
<p class=MsoNormal> <o:p></o:p></p>
</div>
<div>
<p class=MsoNormal>This process is at an advanced stage which begun with a
process called warehouse receipting and currently Equity Bank offers credit
against the receipts.<o:p></o:p></p>
</div>
<div>
<p class=MsoNormal> <o:p></o:p></p>
</div>
<div>
<p class=MsoNormal>What does this have to do with us in the IT field?
When the Nairobi Stock Exchange tendered for the automated trading system
(ATS) and more recently for the Broker Back-office System no local IT company
made it past the 1st round. <o:p></o:p></p>
</div>
<div>
<p class=MsoNormal> <o:p></o:p></p>
</div>
<div>
<p class=MsoNormal>The fact that companies like Virtual City are winning
international awards for systems development and others like PesaPal are
receiving large direct foreign investments means that we do have the skills to
develop world class solutions.<o:p></o:p></p>
</div>
<div>
<p class=MsoNormal> <o:p></o:p></p>
</div>
<div>
<p class=MsoNormal>This is an appeal to all ICT experts in the country to
prepare ourselves to make sure that the grain exchange system is locally
developed and we stop being spectators in our own country. I know it is
said that a prophet is never recognised in his own town, it is time we
made this phrase redundant.<o:p></o:p></p>
</div>
<div>
<p class=MsoNormal> <o:p></o:p></p>
</div>
<div>
<p class=MsoNormal>NCPB and others are already shopping overseas for a solution
so be warned that time is not in our hands and if we are to have an impact we
need to move quickly.<o:p></o:p></p>
</div>
<div>
<p class=MsoNormal> <o:p></o:p></p>
</div>
<div>
<p class=MsoNormal>The proposed system is supposed to provide a trading
platform, depository system, GIS for land information, settlement system,
warehouse management, weather monitoring and seed planting information system
(acreage, seed type, fertiliser, etc).<o:p></o:p></p>
</div>
<div>
<p class=MsoNormal> <o:p></o:p></p>
</div>
<div>
<p class=MsoNormal>Lets get off our high horses and put a together a world
class solution for a local problem. No tears after the horse has bolted.<o:p></o:p></p>
</div>
<div>
<p class=MsoNormal> <o:p></o:p></p>
</div>
<div>
<p class=MsoNormal>Useful links<o:p></o:p></p>
</div>
<div>
<p class=MsoNormal> <o:p></o:p></p>
</div>
<div>
<p class=MsoNormal><a
href="http://dn.nationmedia.com/DN/DN/2010/09/03/ArticleHtmls/03_09_2010_030_014.shtml"
target="_blank">http://dn.nationmedia.com/DN/DN/2010/09/03/ArticleHtmls/03_09_2010_030_014.shtml</a><o:p></o:p></p>
</div>
<div>
<p class=MsoNormal><a href="http://allafrica.com/stories/200904271171.html"
target="_blank">http://allafrica.com/stories/200904271171.html</a><o:p></o:p></p>
</div>
<div>
<p class=MsoNormal><a href="http://www.ratin.net/mainfeature.asp?id=40"
target="_blank">http://www.ratin.net/mainfeature.asp?id=40</a><o:p></o:p></p>
</div>
<div>
<p class=MsoNormal><a
href="http://www.monitor.co.ug/Business/Smart%20Money/-/688614/899436/-/bypmdxz/-/index.html"
target="_blank">http://www.monitor.co.ug/Business/Smart%20Money/-/688614/899436/-/bypmdxz/-/index.html</a><o:p></o:p></p>
</div>
<div>
<p class=MsoNormal><a
href="http://www.unctad.info/upload/SUC/LusakaWorkshop/WarehouseServicesKenya.pdf"
target="_blank">http://www.unctad.info/upload/SUC/LusakaWorkshop/WarehouseServicesKenya.pdf</a><o:p></o:p></p>
</div>
<div>
<p class=MsoNormal><br>
<o:p></o:p></p>
</div>
<p class=MsoNormal style='margin-bottom:12.0pt'>Robert Yawe<br>
KAY System Technologies Ltd<br>
Phoenix House, 6th Floor<br>
P O Box 55806 Nairobi, 00200<br>
Kenya<o:p></o:p></p>
<div>
<p class=MsoNormal>Tel: +254722511225, +254202010696 <o:p></o:p></p>
<div>
<p class=MsoNormal> <o:p></o:p></p>
</div>
</div>
</div>
<p class=MsoNormal> <o:p></o:p></p>
</div>
<p class=MsoNormal style='margin-bottom:12.0pt'><br>
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<p class=MsoNormal> <o:p></o:p></p>
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Publisher<br>
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<a href="http://www.ratio-magazine.com" target="_blank">www.ratio-magazine.com</a>
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