Fitzpatrick's 2008 - Part 01 - Introduction



            

                                 



            

   

     

             

                                                                                                                                  



      

       

           

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      

    

    

  



 



         

     

    



          

    

   

             

    

      



     

    

   

           

   



    

  



   

   

   

    

   

    

  

   

  

    

        

    

    

   

    

 





         

    

   

       

    

    

     

    

        

    

    

   

     

       

    

    

   

   

  

 

    

    

    

   

      

    

    

    

   

         

     

    



     

     

        

     

     

        

         

    

      

     

    

    





          



     

      

   

   

      

       

 

   

    

  

     

    

     

     

   

 



   

   

   

    





  



  







         

        

    

    







      

     

    

   





        

   

      

    

     



  

  

   







        

    

      

    

        

     

  

    

      

          

    

      

    

    



   

   

    

      





          



    

   

   

    

   

    

  

   

    

     

   

   

   

   

        

  

    





   

   

      

          

      

     

      

       

     

     

    

     

    

     

    

          

     

     

     

    

      

    

       

   

     

    

       

      





         

       

      

        

     

       

    

     

     

      

    

      



       

     

   

        

    

    

   

    

   

   

     

     

       

    

     

     

     

    

  

    

    

    

     









           

      

           





       

       

    

   

     

     

      

    

     

    

     

      

   

      

   

     

     

     

      

     

    

    

        

      

     

    

    

     

         



 

 

   

    



    

    

  

   

   

     

   





      

      

    

   

    

      



       

    

    

    

     

            

           

    

    

        

         

                       Copyright ? 2008 by The McGraw-Hill Companies, Inc. Click here for terms of use.

                                          

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                                                 



                                               

                                           

  

       

    

    

                                                     

                                                       

                                                      

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                                                    

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 

    

    

   

   

  

 

                                         

                                           

    

    

    

   

   

   

        

      

      

    

      

     

   

   

    

       

                        

                 

                            

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                                                  

          

    

   

   

    

   

                                



     

                                 

                     

                      

     

    

     

     

     

   

              

             

                                                     



                                                 



    

                                                    

                                                      

                                                     

   

   

    

      

                                            

                                       

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                                                     



                                                       

                                             

                                                        

     

     

     

      

    

   

    

    

  

      

          

       

    

    

   

    

         

      



         

    

   

     

     

   

                               



   

                         

                                            

    

    

  

   

    

    

    

    

   

     

                                        

                                  

                                                  



     

     

       

     

                                    

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                        

                                   

    

     

    

    

        

    

                            

      

      

    

    

      

   

          

    

   

    

    

   

       

          

   

                                     

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                                                    

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   

                        

                    

     

         

    

    

    

      

            

             

     

                                                                                                  

                                                                                                          

                                                                                              

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

                                          

                                          

                 

 Copyright ? 2008 by The McGraw-Hill Companies, Inc. Click here for terms of use.

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

  

Copyright ? 2008 by The McGraw-Hill Companies, Inc. Click here for terms of use.





                                                                                     

                             

                                                                                                                                                   

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                                                                                                  

                                                         

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                                                                                                                                            

                                    

 

       

                     

                                        

                           

                      

                                                                           

                       

                                                                                                                                                                                      

                                                               

                                                                                                                                  

             

  



    

           

    



   

                                                                                                                                                             

                                              

                                                                                                                                                       

                                       



                  

 

             

 

             









             

             

 

             











             

             

             

                                                                                      





                                                                

                                                                                           

                                 

                                                  

                       





 





































  

  

  



    



   

 

                

 

                   

                                            

                                                     

 



           

      

   



 

   

   



                                                                                                                          

         

  

  

                                                                     

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                                            

                                                                     

                    

        

        

                                                                                  

                                                

                                                                                                               



 

          

                                                                

                                                                         

                                                               

 

 

                                                                                                                 

                                                                                                                   

                                                                                                                                    

                                                                                                                                                                                                                                                                   



  

   



   



  





    

    

   



   

     





 









        



                                                                                                 

                                                                                                                              

                                                                                                          

                                           

                                                                                                                     

                                                                                                                                                                                                                                                                        

                                                                                                                                       

                                                                         



   



                                                                                                                                                                 

                                                                                                                                                                                                                            

                                                                                                                                                                           

                                   

                                 

           

                



                                              

                                                                                 

                                                                                                                                        

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                        

 







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

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               



                                                                                                              

                                                                                                        

                                                                                                                                                                                                                                                          

                                                                                                                                                                                                                                                            

                                                                                                                                                                                                                                                                

                                                                                                                                                                                                                                



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

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  

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



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

     

                                                                                                                                                               





                                                                                                        

                                                                                

                                           

   

        

                                                                                                                                                                                                                                              





              



 

        

              

      

  

 

  

                                          

                                                                

                                                                                                                                                                                                                                                

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                                                                                                                                                                                                             

  



  

                                                                   

                                                               

    

 

                                   

           



                                                                                                                

                                           

  



                              



                                                              

                                                                                                                                                               

        

                                                                                                                                                       

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  

              

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                                                                                                

                                            

                                                                          

                                                                                                                                        

                                                                                                               

                                                                                                                                                                                    

                                                                                                    

                                                                                            

                                                                          

                                                                                           

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

                               

                                                                                    

 

                                                                                                                                                                 



                                 

 

                     

                                                     

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                                                                            

                                                                  





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                             

               

                                                 

             

                                                                                                                                                                                                      

                                                                                                                                                                                                                            

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                             

                                                                                                                                                                                                   

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                 



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                                                                                                                                                                                                                                               

  











        

       

   

      

    

  

                                                                                                               

   

                                                                                                                      

     

      

  

                                                         

              

                                                                                                                                    

                                                                                                                                       

      

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                                                                                                                       



             

                    

                                                                                                

             

                                                                                                                                                                                                  

     

                                                       

        

                                                                                                            

              

                             

                                                              

             



 



  

 

  





 



 





 









 

  





 



 

 



 











 





 



 

  

 



 





 





   

  

                                                                

                                                                                       

                 

                        

           

         

   

  

 



 





 











  











 









 

    





 





 



       

   

                                                                                                                        

                                                                     

     



                                                                                                            



                                                                               



                            

                                                  

  

     

                                                                                                                                                         

                            

                                                                                                                 

                                            

      

   

                                                                                                                                   



                       

 

  

                                                           



 

                                                                       

  

  

 

 



 

                                                                                      

 

 

                             

 



 

                                     

  

  

 









   





 







 

                                                                                                                                                                      

                              

    

  

 

 



 



 





 

 



 













 



  

 



 



 





 

  





 







 











 







 

 

 

 

 

 



 

  



 





 

 









 

 



  

  





                                          

        



                            

                                                                                                                                                      

            

               

                                                                           

 

                                  

        

                                                                                                          

         

  

                                                                                                                                                    

                                                                  

                                                                                                                                                                      

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                                                                                                                         

                 

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                                       

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                                                                                                              

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                                                        

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                                                                                                                               

                                                                              



                                                                                                                  

                                     

                                                                                                                         

                                                                                    



                                                                                                                                   

                





 

                                                                         

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  



                                                      

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                                                                                        

                                                                                        

                                                                

  

                                                                                                                                            

                                                                                                                                  

                                                                                       

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          

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                                                                                                                                                       

       

                                                                                              

  

  

  

                                                                                                                                

               

                                                                                                                                                                      

                                                                                               

           

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                                         

                                                                             



                                   

    

                                                                                                                                            

 

                                                                                                                                               

                                                                                        

                                                                                          

                                              

                      

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                                                    



                                  

    

                                                                                                                                                                                                                                                        

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                                                                                            



                       



                     

                                                                                     

                                                              

  



           



                                                                                                                                                                              

                                                                     

                                                             

                                                                         

           

 

                                                                                                          

                                                                                                                

                                                                                                  

                                                                      

           



                                                                                                             

  

   

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                                                                                                                                                      

                                                                                                   

                                                                                           

                                                                               

                                                                                       

                                                                                                                                                                                                                                                       

                                           

                                                                                                                                                                                    

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                                                                                                                                       

 

                                                                                                                                                                                       

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

            

                                                                              



   

 



 



     









 



  

           



                    

                                                                                

                                                                                          

                                                                             

      

                           

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                                                                                                             

                                                                         

                                                                                                                                                                                                                                                                   



   

 

 

   





 

 





































  

 







 









             



                                                                                                                            

                                             

                                                                                                                                                     

  





   











 



 







   

                                                                                                                                                                                                                                                                                              

                                                                                                                                                                                               

                                                                                                                                                                 



               



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                                                                                                                                                                                                                                         

                                                                                                                                                                  

       

                                                                                                                                             

                          

                                                                                                                                                                               

                                                             

                                                                                                                                                                                                                                                                      

                  

                                                                                                                                                                                                          

        

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                                                                                                                                                                                                                                                            

                                                                                         







                                                                                                                           

                                                                                                                                                                                                                                                            

             

                                                                                                                                                                                          

       

                                                                                                                                                                                                          

                                                                                                             

       

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                                             



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                                                                                                                                                                                              

                          

                                        

                                                 

                                                                                                                                           

                

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      

                                                               

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                                                                                    

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                                                                                                                                                    



        

       

  

      



    

          

       

                               



                                                         

                                            

          

                                   



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     

                                                                                                                                                                                                                                  

                                                                                                                                                                                                                                                    

                                                                                                                                                                                                       

          

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                                                                                                                                                                                                                                         

                                                                                                                                                                                               

                                                                                                                             

                                                                                                                

                                                                                                                                                                                       

                                                 

                                                      

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

                                        

                                                                                           

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                                                                                                                                                                   



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

                              

                                              





                                                                                                                                                                       

          

                                                                                                          



                                                                                                                          

                  

                                                                                                                                                            

                             

             

                                                              

                                                                                                                                                              

                                                                                                                                                                                

                                                             



       

    

                                                                                  

 

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                                                                                                                                

                                                                                                                                                                                                                    

                                                                                                                                                                                                                                                                             

                                                                             

                                                       

                                                        

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                                                                                                                                                                                                                    

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                              

                                                                                                                                                                                                                                                                          

                                                                                                                                                                                                      

                                  

                                                                                                                                                                                                                             

                                                                                                                                                                                                        

                                       

                                                                                                                                                                                                                                                                 

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                                                                                                                                                                

          

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                                                      

                                                   

                                                                                 

                                                                                                                                                                                            

                                                                  

                                                                                                                                 

      

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                                                                        

                                                                

                                                                                                                                                  



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                                                                                                  

       

    

  

          

           



 

       

  



 

        

    

 

    



 

   



 

   





 

        

       



 

    

    



   











 



  





   



 

  



                                                        





                                                                                                     

                                                                        

                                                                       

                                                                                                                                       

                                                                                                                      

                                                                                                              

                                                                                                                                                                                                                                                              

                                                                                                                                                                                                                           

                               

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      

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                                                                                                                                                            

                                                                                        

                                                                 

                                                                                                                                                                         

                               

                                                                                                                                         

                                                                      

                                                           

                                                                                                                                        

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                     

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                                                                     



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                                                                                                                                                                

                                                                                                                                                                                                                                       

                                                                                                                                                                                                                                                    

       



              

                                                                             

                                     

                                     

                                                          

                                

                                                               

   

                                                                                                                                                              

                                   

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                                                                                                                                                                   

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                                  

                                             

                                                                                                                                                          

                                                                                                                       

                                                                                      

                                                                                                                                                                                                  

 

       

  

  





    

    



                                                                                                                                                                                                 

                                                    

 

                                                                                                              

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                                                       

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                                                                                                                                                                                            

                                                                                                                                                                

                                                                                          

                                                                                                                                                                                       

                          

                       

       

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