The rise of small cities in Mutual Fund Investment
From the start of the this fiscal (FY19), the definition of top cities in terms of mutual fund penetration has changed. Earlier they were known as T15 and B15. Now they have been reclassified as T30 and B30. For the naïve, cities from where a majority of mutual fund inflows come are called Top 15 (T15) cities. Mumbai, Delhi, Chennai etc are some of the T15 cities. Those cities that do not figure among the T15 are called B15 or beyond (top) 15. The industry body Association of Mutual Funds in India makes this list.
But why should one worry about the T15 and B15? The current mutual fund rules laid out by the Securities and Exchange Board of India (SEBI) incentivizes MF distributors if they bring in money from the so-called beyond (top) 15 cities (B15) cities. The fund houses can charge an additional total expense ratio (TER) if the inflows are from B15 cities.
Nevertheless, it has been revised now and T15 and B15 have become T30 and B30. SEBI has revised the definition of top cities and beyond top cities for additional TER. This means, fund houses can charge an additional TER of up to 30 basis points, if the net inflows are from beyond top 30 (B30) cities and are at least (a) 30 per cent of gross new inflows in the scheme or (b) 15 per cent of the average assets under management (year to date) of the scheme, whichever is higher.
The reason why SEBI came out with these changes is that of the rise in the share of B15 AUM in the overall mutual fund AUM. Its share has increased steadily in the last few years from 16 per cent at the end of FY14 to 19 per cent at the end of FY18. Hence, realising that now the next set of cities need attention, SEBI has changed the incentive structure to focus on B30 cities.
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jLTef8409fR9oEVB18/e0nc+ZeJmbvlwm6glYfREAEREAEWiCgtyG1AE+3ioAIiIAIiMBxCehtSMclp/tEQAREQAREoEUCfe8DbpGPbhcBERABERABTwhIAXuCVYmKgAiIgAiIwMEEpIAP5qNfRUAEREAERMATAlLAnmBVoiIgAiIgAiJwMIEjKOASssk44sksSq40S9kk4vG482+5UPml7vlSFsnyta5LUVhOIutOtJKKPoiACIiACIhAfxJoUgEXsBxfAiZiGHFzKGWxtDqE2UwGmcwswvk1R5E2OF8qbGJoNoPMQgw7dx1lTUW9FpxBNOBOWJ9FQAREQAREoL8JNKmAQ5jOpPYpSSpUxMYRMoxCGI8Bm4USGp3fh5KKenMUM9K++9DohAiIgAiIQH8TaFIBtwdCIDSKncU44nObGB0PILtUxEQqCk1+28NXqYiACIiACPQOAX/fhhSIIpWJGjo0Pa9PpBBYjiPO996HZ5GZdubSXuE790Zm1Nxx6+1661FzpHSVCIiACIjAcQj4OgOuCEjTc3EC04Es1nZiWMgsILZT9h9XLtIHERABERABEehfAi0pYJqUsboOJ5yqgPVVYDQUQKPzDsaSY3qumu0GEBjqX8gqmQiIgAiIgAjUEmjSBM0o6MXyK/2AufgqwrMZTIeimAjHsWhsyMBIbAHTxqHb6DxQWJ5DcSIDY4gORDExFDfpGRO0nMG19aPvIiACIiACfUqgj15HeHgNyQd8OCNdIQIiIAIi4D0BvQ3Je8bKQQREQAREQATqEmjJB1w3RZ0UAREQAREQARE4lIAU8KGIdIEIiIAIiIAItJ+AFHD7mSpFERABERABETiUgBTwoYh0gQiIgAiIgAi0n4AUcPuZKkUREAEREAEROJSAFPChiHSBCIiACIiACLSfgBRw+5kqRREQAREQARE4lIAU8KGIdIEIiIAIiIAItJ+AFHD7mSpFERABERABETiUgBTwoYh0gQiIgAiIgAi0n4AUcPuZKkUREAEREAEROJSAFPChiHSBCIiACIiACLSfgBRw+5lWpVhcSWBsbKzqX2KlWL4mj1QkYn6LRBIwp4srSJTPpfJ7SeVT5d/3TumTCIiACIhADxNo8n3APVzCDosenExjY9IKUcRKYh44GwTAz88Al3PYCNvfgeJKDqcu55AeXkHiRh4Ih0ElfvXkJaR5mw4REAEREIG+IKAZsJ/VWLyDHCJl/cvPCVxwKd+6ohRXMJ+L4NKktG9dPjopAiIgAj1KQDNgHysufyONU1M5GFX6aAsPHtzEU2PPGQlOnDiPy7kkwmcjeHgxgghOI3HtElbmb2MqnXTu8VFWZSUCIiACIuAtAc2AveXrSj2P27fO4UnXjPfE+SvY2Ngw/y6fu4WrdAIHJ5HO5ZDLpXH2zjy2ppJAquwndjuFXSnrowiIgAiIQO8RkAL2qc6KK1fxMHEBLv1blfPwydNV30HT89YUksMruPowgesb15F4eNUJ1Kq+Ut9EQAREQAR6kIAUsC+VlseNNBAxwVflDIdP4vSt23ACnYu4k3sBp4atn7eIlfktTCXd6jqI4VO+CKtMREAEREAEfCDQsg+4sBzHol0uMxLDQiqKAIBSNom51W2nCOFZZKZDPInk3Cp4NjybAU/xKCwnURpPIcob+/HI38at0xFcs/qVZQxO4lIigafGxkyJaY7OlfVtPnURW1M5mODp4CSmTkWMr9hc406jH1mpTCIgAiIwIARO3Lt3b/fMmTPHKy4V6hIwY5RuCdnkHIoTGUwHqGiLmMhMI4QCluNrCC6kECoksR5IOb+vB5CaDhlFvYQZpHzQvufeaEcKhxf31tvds8/Dr9cVIiACIiACItAsgfv376PNJugRBANAqbAJxMbhTHBDGI8Bm4XSfrlKWSxtjmLGB+W7P3OdEQEREAEREIHOEWjNBB2IYmY0ibn4qimBMStTATcoTyA0ip25OOIYQWxhBtmlu5hITRuTdYNbdFoEREAEREAE+pJAyzPgUnGbDl3MhoH8Wrah8jX0AlGkMhlkMjRHL6E4MQ0sxxGPxxFfLvQlYBVKBERABERABOoRaEkBM9BqLbhgAqxC0xksjG5iKdto/uvKnqbn4oTxBa/txLCQWUBsZw3N3OpKRR9FQAREQAREoGcJtKSAWert4p7CNbNhADQ1Y3Udzpy2gPVVYDRkQ5xLyC4VMWFDoA26AAJDPctQgouACIiACIjAkQm05AMORGcQS84hHi/ny2VI01S0UUyE41iMO1HHI7EFmNNmyZETKR3lLYEoJobijg+ZS5Wsjj5yMXSDCIiACIiACPQWgdaWIfVWWaFlSKwwvgLxGdzc3cWJE48jcS2NyeDeOV5x4vGncS09iSBfjXgxjQe7uzh/ZQN2XxC+GvHRBd7XYw1A4oqACIhAlxDgMqSWZsBdUg6J0TSB+q9ANLefTuA6la4rreIdvRrRhUMfRUAERKCtBKSA24qzucQ6NhM3r0NM4NJx9xixr0bUi4mbq2hdJQIiIAIHEGg5COuAtPVTtxEwr0B8zmx/OTY2hkgkVd6LGsAL6cr5BN/KxN0y+WrEZyKIXMwhcmHY2Z+6ZpbcbUWUPCIgAiLQKwSkgHulptokZ91XICKMZC5XfjXiFZxKzztvXfL81Yj0PZdftRhJVN70lC+/fpGDBDsY4NuhEuVr3W9lpD+6PF5oEyElIwIiIAL+EJAC9odzV+ay7xWIRsownjz3ArYeuUT25NWILn/0xoZ5/7EJ6iqu4PbJa85g4PrTQPqGmaVbf/TG9afx8Hb5HVIrCVw9eUnBYK6q0kcREIHeISAF3Dt11bqkB74CsZx8cQVXb53GyWGbnUevRiz7oy/U+qODk0ja8OrgME7hIR45FnErkPPX+qPttdW/6psIiIAIdD0BBWF1fRW1UcAGr0AsriTw1HMPKhlxyZHVa569GtH4o2+a1ywy4xMnzuNyLokqfVx8hIenI7gQLPujL0YQwWkkrl3CyvxtTKWTVVHblQLogwiIgAj0AAGtA25QSV6+jrBjUdANytqR0/kUIrefRK68uJh+36snryFtNT9oop4HLu1fb8wBw43hNJ68HcFbbu7CvCfZLlLuSGGUqQiIgAgcjYAHryM8mgC6WgQsgVp/NGfeuUgd/64n/ui9YDATHZ5YgbV6KyDM1pD+ioAItJuAfMDtJqr0miPQ0B/NmW/tbNgm6ZE/mslzI5KNDRP8lbNLrfIpPPPQnt+LDldAmK0P/RUBEWiFgHzArdDTvccn0MAfjfwNPPdgF3jwFMaec5J//OnrxjTtmT+6QSmKjx7idORC2c/M6PBncPsRcLb2ehsQ1pYNSupvC4oaPz1FMFzO3tF2obX1oe8i0CMEpIB7pKL6UczgZBobkzUlCyexsZGsOel8DSdzVUFa/N7g0rr3H3jSbETiaHyr8Hn9C2Y91t4GnQ8fFZ0NSrwMCKuzLSiqWJX942eDsLPx9PAKEjfyQDgM+si5PKst44EDoelHERCBVghIAbdCT/f2CQFnIxJH7XMGOo+Vs2lMTl5CInERY2O7lXKev8KQ7Emkc87IwQSETaUxzM1D/AoIM0u4Iri0Ny6oyMcNS+ZzEVyS9t1jok8i0KUE5APu0oqRWJ0i4N6IJIjJtN0hbANXzj/uWh8NGGW3NYXk8AquGl/xdSQeXm19Z64624K6aeRvpHFqynlxhrYLdZPRZxHoLQJSwL1VX5LWawL7NiIpZ2gCsiI4W5l1ehUQ1mBb0Eq587h96xyetAumPd8utJKxPoiACLSZgBRwm4Equd4jQDMylx+Zf089h1OXy2uPXftPR54BLtvoaL5VOXURW1PljUOCk5g65bzM4hlMVTYxaZ2EezbupFZcuYqHiQtVvnDzS9uXZzVemmXz497c2qu79VpWCoNLQD7gwa17lbxMoG4wGH9z+XprYXkaEGYzK8/GIxfsiTxupIHItco0vPxDeTaengSKdhPvIIZPAfabTeFIf+sFg5UTyN/IIZI4h5yVQO+OPhJaXSwCJCAFPODtQLtydVcD4Gy80bagyN/GrdMR1Opfv5dngeZ4TCE3fBu5RhpewWDd1bAkTVcSkALuymqRUINKoOFsnEDCSeSs79cFyLPZeN2lWUWsXKU5PgwOCOxhgsG8XJplM9JfEegjAm1QwAUsxxfLL3YfQWwhhWgAKGWTmFvddlCFZ5GZDvEkknOr4NnwbAY8xaOwnERp3LnPOaP/RUAEOkug/tKss3fmzRah6VrhXOb6jizNqpVH30WgBwi0qIBLyCYXgdkMMmVlaspcymJpdQizmRRCoIJeQ3Y8hFBhE0OzGaQCWSTXC0AoZBT1WnAGqUAP0JKIIjCQBOwuYEUg9wIeuHYpA24isnWl8lINuzQrfXYFCbM06yzuJOaxUgy3MThtICtBhe5DAq1FQZcK2EQM427lC6BU2ARi43BOhzAeAzYLpf34qKg3RzHDKbMOEcAJvpiwyX/C5RuBytKs6nXRG1fOm+0w7RutwDdYzW9hqurNVE4wmG+yKiMR6CECLSrgIra3VzEXjyNu/i2jcEDhA6FR7CzGEZ/bxOh4ANmlIiZSUUj9HgBNP4lABwg0XJp1gCyeL80qLwurLH0yy8EilSVklfOu5WOp/J7A+VSi9U1S9pLTJxFomUCLJmjjzHX8u8aXG8dadhwzjcQKRJHKRM2v9BGvT6QQWI4jzofE+okb3avzIiACvhE4MBjMShFOgrFY9vAsGKycQe3SJxONbczc3BVsbwvRs1oSZatEf7ucQGsz4JrCBYIjNWcafKXpuTiB6UAWazsxLGQWENtZQ7aOlbpBCjotAiIwSATKS58mh/cK7byt6qzrbVUvwLw7Y+8S55NdEjVZu3669kJ9FwF/CbQ2Aw4EMZK/i8J0CCGUUNjcxtBEAIHAKDC3jkJ02gRhra8CowvW0FyqmJ4ZFe0cAQSGAOlffytfuTUmoPXRjdn4/0v9pU+UoyNvq/IfgHLsUwItKuAoZmJJ4wM2fGhGNpFXUUyE41g0tmVgJLaA6bL+LSzPoTiRgTFEB6KYGIpjLr7qmKCtju5T2CqWCIjA0QkUV+ovfQp269uqjl5E3TGgBFpTwAAC0RTKbt0qhKHpDDLTVafMF553B003um7/nTojAiIweASKuHPA0ie+rcq+UppBVo9cJmotiRq81tJrJW5ZAfdagSWvCPQagcE2hztLn6ySZeBV4tEFpGv9ueW3Ve1t0+nR/ti91ngkb1cTkALu6uqRcCIgAg0JcLnRxTQe7O7ixInzuJxz3pHM633fH7uhkPpBBBoTkAJuzEa/iIAIdBsB99In1/aXtWJ6vSSqNj99F4HjEGjrMqTjCKB7REAEREAERGAQCWgGPIi1rjKLwDEJDLY/+pjQdJsINCCgGXADMDotAiIgAiIgAl4SkAL2kq7SFgEREAEREIEGBKSAG4DRaREQAREQARHwkoAUsJd0lbYIiIAIiIAINCAgBdwAjE6LgAiIgAiIgJcEpIC9pKu0RUAEREAERKABAS1DagBGp0VABLqbgJZEdXf9SLrDCWgGfDgjXSECIiACIiACbScgBdx2pEpQBERABERABA4nIAV8OCNdIQIiIAIiIAJtJyAF3HakSlAEREAEREAEDicgBXw4I10hAiIgAiIgAm0nIAXcdqRKUAREQAREQAQOJyAFfDgjXSECIiACIiACbSfQHgVcyiIZjyOZLVUELGWTiMfjzr/lgnO+fB3P21P8obCchOvWShr6IAIiIAIiIAL9SqAtCriwvonRWHiPUSmLpdUhzGYyyGRmEc6vGQVbKmxiaDaDzEIMO3cdpUxFvRacQTSwd7s+iYAIiIAIiEC/E2hdAReWsYiJKgVKRYvYOEKGXgjjMWCzsDc7rkClot4cxYy0bwWJPoiACHQ3gXwqgrGxMfMvsVKsCFtcSVTOR1J553xxBYmIc709xR/yqQRct1bS0IfBItCiAi4huwbMTjuq9jB0gdAodhbjiM9tYulLK4IAACAASURBVHQ8gOxSEROpKDT5PYycfhcBEegKAsUV3D55DRsbG9i4/jSQvgGjaosrmE+fwhWe37iCc7euGgVbvJPDqcs5c+3D245SpqK+evISJoNdUSIJ0UECLSngUnYJm6N2pttEKQJRpIxZOoVQYQnFiWlgucZP3EQyukQEREAEOkIgOImkW3OePolhAFS0SFyA44gL40ICyN3Zmx1XZKWizkVwyZ1G5Ud9GDQCLbyMoYTC5ja2t+cQX7XY8ogXZ7Fw2MiOpufiBFKhLJI7MSxkQigkl5AthapM2TZV/RUBERCBbiFAE/Rbbu7ixInzuJxLgt1dHVVrxA2ejeDhxQgiOI3EtUtYmb+NqbRzT7eUR3J0jkALCjiAaCqDqJW9sIxkaRwp+nNLJWBuHYXoNEIoYH0VGF2whuZSxfSMUrZ8dwCBIaCOl9imrr8iIAIi0BUEwskcNpLUuvTvJvDoWhpnG0kWnEQ6N2l+pen5xlQaw/QhU4Gfv4Jc0hW82igNne9bAi2ZoBtSCUQxEc5j0SxDWsRObC/KubA8Z0zPxmvM64ZWMReP7wvkapi2fhABERCBbiAQnMTUuRew9agJYWh63ppCcngFVx8mcH3jOhIPHT9xE3c3vKRRQBiQR6oc/BWJlAO+FBDWkGOnfmhhBlwjcmgaKdep0HQGmWnXifJHnneHbDW6bv+dOiMCIiACHSaQTyGFJJyJax63b53GyQtAcDgCXLyB/GQSYeRxIw1ErllfXBEr81uYSk8CRautgxg+BdhvxypVJSAs6MzGK/kXsZJ4BmDwl2uCXVxxAsLSwytI3MgD4TBsQFjainosQXTTcQm0TwEfVwLdJwIiIAK9QiD8JMCZ5e6ukfj8lY1yNDNnwxG8ZeymOf/409eRLCu1fOoitqZyMIZozppPRfDU2HOOCboVxWcCwsrggsM4hRweFYEw7iCHBC65lG9dvDYgTNq3Lh4/TkoB+0FZeYiACPQJgTCSuRzoAq49Kr7hmh943q0LG11Xc9vRvhYf4eHpCC5Qoee38ODBTaPkmYgNFgsrIOxoTH242hsfsA+CKwsREAEREAESoIk7h8ilSRORzTMM8DJrlTc2cPncLVzlrh8mICyHXC6Ns3fmsTWVBMqbilQ2DhFQXwlIAfuKW5mJgAiIQHsJ0MSdizTe2GP45OnqDD0KCKvORN+aISAF3AwlXSMCIiACXUeAwVYRXD15DWn3xh7DJ3H61m1nhy4UcSf3Ak4NW2dzOSCsavmTExDWdcUbAIHkAx6ASlYRRUAE+pBA/gaee7ALPHgKY8855WPwV3pyEpcSCTw1NmZOmvXGZSe0ZwFhfYjXjyJJAftBWXmIgAiIQLsJhJPYMDuC7E84OJnGhrP/R9WPvgSEVeWoLwcRkAn6IDr6TQREQAREQAQ8IiAF7BFYJSsCIiACIiACBxGQAj6Ijn4TAREQAREQAY8IyAfsEVglKwIiMDgEzr3ReddvMyW+9Xb3thzN3KFr+pWAZsD9WrMqlwiIgAiIQFcTkALu6uqRcCIgAiIgAv1KQAq4X2tW5RIBERABEehqAlLAXV09Ek4EREAERKBfCUgB92vNqlwiIAIiIAJdTUBR0F1dPRJOBERABI5GQBHZR+PVyas1A+4kfeUtAiIgAiIwsASkgAe26lVwERABERCBThJoWQEXluOIx51/yWypUpZSNlk5H18uOOdLWSTL19pT/KGwnITr1koa+iACIiACIiAC/UqgNQVcyuJucAGZTAaZhRiwug6jaktZLK0OYZbnM7MI59eMgi0VNjE061y7c9dRylTUa8EZRAP9iljlEgEREIFBIOC8nziSWEGxqrh1zhdXkIhEMDY2hpRrE7F8KoGV6purUmr+S508zc11znsuS2OpW1PAgSimreYMBDCEHZRKABUtYuMImXxDGI8Bm4W92XFFHCrqzVHM2DQqP+iDCIiACIhA7xDIIxWZB6YSOF0ldP3zxTs5nLqcw8b1p/HwtqOBiysJXD15CZPBqgSO8aV+nkD9897KcrD4rSlgd9qlEnZGRhE6YCYbCI1iZzGO+NwmRscDyC4VMZGK4oBb3DnoswiIgAiIQFcSCCOZS2NyuFa4RudrriuuYD4XwaXWtS+ARnk2Ou+lLDVp13xt0zKkErJLmxidSRllWmeu62QbiCKViZrPND2vT6QQoA+ZA6DwLDLTzpy5RkZ9FQEREAER6CMCwbMRPLwYQQSnkbh2CSvztzGVTqLlye8xGHVSlrbMgAvLc9gcPYIfl6bn4gSmA1ms7cSwkFlAbMfxEx+Dn24RAREQARHoJQLBSaRzOeRyaZy9M4+tqSSQcnzCEbdT2I8ydVCWFhVwCdlkHGvBBaRcflyamisBWShgfRUYrdimOVsuYqJqthtAYMgP0spDBERABESgawjQ9Lw1heTwCq4+TOD6xnUkHl5tUyDWEUvZAVlaM0EX1rG6DWB7DvFVp7AjMSrjKCbCcSwa2zLAc9NlRy9ny8WJDIwhOhDFxFAcc7yZJmg5g4/YYnS5CIiACPQqgSJW5rcwlZ4Eio/KhQhi+BRgv/lXss7I0poCDk0jk5muyyg0nUG9n3je7eltdF3dRHVSBERABESgCwkwwvgZ3NzdNbI9NfYczl/ZQDLc6DyQT13E1lQOk7wjOImpUxHwvhPnryDXkjO4UZ6Nznspy8FV1ZoCPjht/SoCIiACIjAQBBhhnENyX1kbnQfCyRzCruv5fWN/Aq4rmv3YKM9G572U5WCZW/QBH5y4fhUBERABERABEahPQAq4PhedFQEREAEREAFPCUgBe4pXiYuACIiACIhAfQJSwPW56KwIiIAIiIAIeEpACthTvEpcBERABERABOoTkAKuz0VnRUAEREAERMBTAlLAnuJV4iIgAiIgAiJQn4AUcH0uOisCIiACIiACnhLQRhye4lXiIiACIjC4BM690XnX72EEbr3dvSXHYVcf/felvxxv+qaZV603fW2rF2oG3CpB3S8CIiACIiACxyAgBXwMaLpFBERABERABFolIAXcKkHdLwIiIAIiIALHICAFfAxoukUEREAEREAEWiUgBdwqQd0vAiIgAiIgAscgIAV8DGi6RQREQAREQARaJSAF3CpB3S8CIiACIiACxyAgBXwMaLpFBERABERABFolIAXcKkHdLwIiIAIiIALHICAFfAxoukUEREAEREAEWiXgmQIuZZOIx+POv+WCI2cpi2T5nD3FHwrLSWRLrRZF94uACIiACIhA7xDwRgGXslhaHcJsJoNMZhbh/JpRsKXCJoZmM8gsxLBz11HKVNRrwRlEA70DTZKKgAiIgAiIQKsEPFHAVLSIjSNkpAthPAZsFupMcamoN0cxI+3baj3qfhEQAREQgR4j4IkCbsQgEBrFzmIc8blNjI4HkF0qYiIVhSa/jYjpvAiIgAiIQL8SOHHv3r3dM2fOtLV8NCsvYQap8sy29jsz47n1QApP3I1jkW+sCs8iM+3MmZsRZmdnB//5n//ZzKW6RgREQAREQAQ8IfBJn/RJGBoaOnLa9+/fR2feB0zTc3ECqVAWyZ0YFjIhFJJLyJZCTfuCj1PgIxPSDSIgAiIgAiLgEQFPTNA0NWN1HU6YVQHrq8BoyBqaS47puWq2G0Dg6AMIj5AoWREQAREQARHwnoA3M+BAFBPhOBbjtC0DI7EFTJf1b2F5DsWJDKL8gdcNxTEXX3VM0FZHe19u5SACIiACIiACHSXgiQ+4oyVS5iIgAiIgAiLQ5QToA/bEBN3l5ZZ4IiACIiACItBxAlLAHa8CCSACIiACIjCIBKSAB7HWVWYREAEREIGOE5AC7ngVSAAREAEREIFBJCAFPIi1rjKLgAiIgAh0nIAUcMerQAKIgAiIgAgMIoGBU8D/9E//BP7T0Z0E/vIv/xLZbLYrhPujP/ojUJ5uOZaWlrpFFMkhAiLQBgIDpYDZmV65cgUPHjxoAzol4QWBL/iCL8Dm5ibW1ta8SP5IaX7xF38xfvmXf7lrlHCpVMK//du/HakMXl6svdi9pKu0B4HAwCjg//mf/zGd6Vvf+laMjo52Td1S2XDG1w2zciq9xcVFfOADH+gYH25s/swzz6BQKHRMCVOxUNl99md/Nt70pjd1VAmz3VpF9xmf8Rn48Ic/3LG6qc34bW97G7a3t2tP+/6dMrDtdoMsHORTlk4+Q7YC7DPEttzpw/Zzti13Wp5uyX+gFLCdPbAR/MEf/AHYgVD5sZPrxMEHlQ8J8//RH/3RjnYgv/RLv4SP+7iPw1d91VfhHe94R8dmfWSxurpqlN8f/uEfdkQJb21tgXnz6LQSfv7553H58mWjhKmAbRvuRHutzfM1r3lNR+rHLcff/M3fgG2X7YbPcyddBqyb3/iN3zDi/ezP/izowujUQYX3e7/3e4YLrX6dHJywj6U8//AP/4BkMtnRycYv/MIv4Ad+4Ac6LodtFy+ZmZn5f5/1WZ9lv/fdXza8T/7kT8YnfMInGAWTSqWM0uX3kZERvP/97wdfbfiqV73K97LTvPkjP/Ij5iHhzOa1r30tXvKSl3guB0fn//Ef/wF26Dw4ILlz5w6mpqbMDOuf//mfjQLiG6c+93M/11N52HG6y/ybv/mb5nsikcDY2JhRxmRDc7BfB5Uu2wM7djLg96/4iq/Az/3cz+FzPudzPGfiLufJkydNnXBQEggE8Nd//ddGCZMbD7ZtPw8qmX//9383+VK2TCaDL/3SL620JT9lYV7sUN/whjeY+vrbv/1b39ptbTk5ELh16xa+4Ru+wbTbUChkZKNFh5z8PNg2GC/AQT3bDPu4mzdvdqSe2LfwmaYlic8RB0gc3JKPH233d3/3d02+7O/5mQdl4WCAz5RfctSr/3/5l39B3ytgjkhZ4U888QS+8Au/EBMTE+Yfv7NTpxK+ffs2nnzyyXqMPD3HEeqnfuqnmvxnZmZMXr/4i79oGoWXGXMP0p/6qZ8ynRaVMGe+jz/+uBkI3LhxAz/8wz9sPv/6r/+66Uz4uxcHH87Z2dmqjuHP//zPDRPWFfNlHf30T/+0+cxzfh6PPfaYUbpUvn4rYXag7DQ4ACIDDkJotWE7Jbc//uM/NjMctiG/Bm5kv7GxYTp3dmAcnHz6p386qPg6MYClPMyfCu7atWuGDeVge+GgwO+JBZ8XDtAYx0DlYpUwlaDXA1n3c8EB7ed//uebNssBCgez7Gc4oPzqr/5qXxSfWx62k0/7tE8zz9Kb3/zmyoDy677u68xz7b623Z85ASN/MuHgdXx83Ey4OCP/+q//etj+1o/BQG3ZBkIBs/PkCJAdB5Wue7ZFIL/6q79qlLBfMyyaYzhrOHv2rKmPq1evmlkwGwDPv+IVrzAPcG1ltfN7MBg0HRc7eXZYVMLM/969e/jQhz5kZnscMXN2zhG8VwcVLB9O22FSDv4jBzsy5WzrYx/7mDGN+9GhcvbAh5IKlwqfHSpnvm4lzDZEOb08qHxZPxwgWiVM2dhxvO51rzMzrW/6pm8C/9W2aS/k4syXbeIrv/IrTSfGmAV26B/5yEdw9+5dM1CjzH4cnG0yVoEDEXbiPDjLisVixtTKweSXfdmXed65u8tqFS6Z2FkvzzHe5PM+7/N8qSNatt7znveYtslBCb+z7zt//jw4sOXsnIMDPw+2TT63f/qnf2oY8DnihIfWNj5jXhxUunxWyP/UqVOmX+OzxOeGbZQutte//vWGBS1/VND85/cxEAqYUNmZ1yphPsT003BkyAfXj06Mnef73vc+M8Ok8uHDwAbx8z//86Zze+UrX4lv+ZZv8aUdMBL8H//xH41ZxiphPii/8zu/g3e+853mYfVjUELl4lbCVDhUblTK//qv/2rMerRa8EHy+uBDy479v//7v80/lp/y1Sphr5Uvy8l8yaJWCXMmTNPZ13zN1/imYMiFfkTOYjg44uyKiu+bv/mb8X//93+mHXHg5tcsmKZV/nPnR8XDAcLf/d3fmc7dj8EA4zfo02TebCvsxO2s1yphyuFH30J/87vf/W4jg3WdsH9hnAktgOxvOPvz42CebC90ZZEL82Y/++yzz5oBJNs23UteHbTIcNBsB/HMz/3c5PN5IxOtRxyc8LpOHFTAHB3s9tPxoQ99aPf7v//7d7e2tvYV62d+5md2n332WXP+ox/96O7f//3f77vGyxPXr1/fvXXrVlUWlNfv413vetcuZXnxxRd3/+zP/qwhLz/kunz58u573/te889dbx/84Ad3f+u3fmv3/v37fohh8iCX97znPabtvP3tb6/K9/3vf3/dNlV1UQtf2B6ff/75fSmQzete97oqDu9+97t3ycePg/kwP9YFDz5XrCfKZQ+24R/8wR/cZRnaffAZtc8s02abZf7uvHgNZWAd+XWQw6VLl4w8bDOsI9vnkBmfLz8PykImlIHPFDnx4F+v+zl3XbAefvzHf9zkSwZvfvObK7LwN8vIazasE7ZJ93PC55vysE+hLqj3vHktlzt96t6+U8AsYO0DYQvNhsIHxd1g7G9+/GWFuzsqysGHxe/DKj2bbyNe9ncv/rLs7MTd5ed3txL2It96aVIWdt7uh5X1xIPn3Mqm3v3tOMeOkp0DO4nag+3mjW98Y+1pX76zw+QzQyVsD55jPbkVHn/34rkiF/J31w0HR24FR2Z+d6YsL8tvn2F+70TbJRvKQAXMwbRb+boHLrbu2v2XbYHtlgd58DP7E3tYpWcHBPa813850aEsjZSw1/k3kz4VcF8GYdH/weAMt4+TJgaagmiOodnBD7MQ87Th/zRF0fdK0y9NH/xOU82Xf/mX++6XoT+PpnD6xHnQl8Z/NBNRRj8O+g5pJvr4j//4SgAcTUU0R/O8X4FFLDcj42mOZxCNjeilz4xtKJ1OG3+912ZnmuloVqZ5meYyt/mfdUIfJ812vM7Pg+WmqdeaNVlHPEdO9OFZUy/NnV48Uywv82T+733ve425kPLw2WEd0eRMU/BTTz3lSf61rPns0DVCXzjLT5cN/Zo0ydPPyZgFt2m89v52fqePlzEs9DN/5md+pnGfMKiRcjHil+0o5LF5lW3Blp3tlMF57ONsvA3bMeVgzIAfbiTyZZwN5ZienjbPMAPRyIE+YcrDf+zrOn30tQ/YrYTpm2FD4bIfPsxeN0pbsewk7D82TsrBhsno2r/4i78wn730hVg5+JcRtAyyIhc2QPqt2GFQyfz2b/+2iQxnp+rHwY0ByCASiRi53AqH9eNXYBHLSoXHyFD6mbkcjfVFDlTMjKD/oR/6IeOL9YNLIyXMjpYDJvpc/ThYPxwEsX0woIntlkzol+cAySphq3y9lImxGuxAWQ8MpGQsBxUOO/3d3V0zIPnu7/7uykDAS1mo6BcWFowf00Z+kxFjBsiMg8nv+q7v8lKEStpsE1yxwAE8FT7riP9Yb/SFU5bv+Z7v8WVQwoHXw4cPTT197/d+rxkUuYNe2d/4pXwJiAPpb//2bzeDEvZ3PDiAs0q4G5QvZeprBcwCEj47EHaknEHws18BVxwpsyH8xE/8hFG0fDBsYAbloiL2a7ZJS8B//dd/GQXDAATmzeUsL774oglyCofDvozaGczDDuxP/uRPjKJjHTEysd6sj795ebB+isWi6Tw5COL6RM5svvM7v9NsfPFt3/ZtRuGxU/PzsEqYbZZ1xY7dDgQ4iPT6IBcGojFKlYftuKwS5nNkI/jbLQvbB4O8OJsmB1qP2FbYVpk/261Vwhw08Tmy17Zbltr0KBuXOjH4iwNEDgQYVBmPx81gluvqqXy9sALUysLvDJjkckLONlkfzJf9CQdplI/Kxi9ZKA/rgv0bB0tuJexVW6nHxJ5jG2bdsL3wYN1xRuynhc/KctDfvlfALDzNMexg2TA5ivejUbIB8EFl58AHgRXPv2ycVgkfVDHt/I0dOEfr3/d932fytpHYbJyUj50bHx4/DnbenEFxXSJNzFS87GgvXLhglAzrh2YiPw6alnmws+LBSHTukMOZOc3RXMbit/I1ggCGiTU3kw8HBZx1+nFwSREHqpxVca0xO3XWE9sveXjZoXLmxsOacNluf+VXfsV0pMybz65Vwhws+bkufH5+3syyWS+Ugzxo6qQMXLnA7370Le42wDyphN2zTffv7f7MvoSzffuMsi+hBYB1Q2tIrRKmWdyvZ4htlP0L+14+01zqRCsj+15a+L71W7/VuA3azaSV9AZCAbcC6Dj30jT0v//7v8ZMRnOmNdmx0fKBobnVr5kv5ecyESpa/uVMimt7aUrjg+P1ntj0Q9GUa5UHHwT63/lQULGQB2dYHByxY7MP9nG4H+Ue5smZw9NPP13pNMmDs+BcLmesJFwC1OmD7YSmOz9Mvawn+uk48GBHymUtVCjf8R3fYczfdF/YGYVXXDjjpZ+Xa+E5++cg7eUvf7nxc7KtsH1YJcw27afC4+CQ/l73AJoDBFol/HqeWSccxDOOhRMLPlfkUrvE0qv6oZmZljz6vFl2urHYNmkZIB+ysEqYytrLwZq7jHxuX3jhBXzjN36jqSPGBXAwzfbEdkQL36tf/Wr3LV3xWQq4zdVAHzNH8XxA2DDZebn9ZuxA/HpY6fPl1ngcofNBpVwcDLDjsgvhvVZ47NQ5MmVHyoOzFrdpiBtscCG8/b3N1VFJjp0B87YmXI7MyYN1YUfoDKrhNfQF23OVBPr8A/n82I/9mGkX7FjZqbNzpbJhO6ZvnB2a1wcHGxwc0nXDoCoO1GyHTsXjVsJ+KF/6n/msUNnxH/OnHFzfStM42wufcb9k+f3f/31wJykODrlZDNupVcIcYHvpZ+XgjLNfKloqYVqJaGrmoIz9inszHdaZl7KwvbJt8OAgn22Vype+ZgYy0jJh14P7aeE76vMhBXxUYgdcz4eVgTJ8kw83KuCDyg7fKmE/t4Bjo/zgBz9oAqw42+NDwweVDy3NVdwRh43V64N5kgnNQlT8fCg5OGEny4eIM3IGS/A6rw4OijhzYb7sQFhu1gvNnNyIxVooOCPnYMXrQYlX5WwlXQ5GOFuhP571xTbCgQgtFjTjXbx40TcuHKCxPdggRSo3q4RZh17Pwi1HPs9sn2wrdoZHhUclzEElN82hW8cr5UuFx/ytOZ6fqWQoAwcDbMd0o9CixIOMvDpYJ1S6zJf8KQOVHJUd+bC+rBLmbNNLiw39uXTvcXBPBtxljJONEydOmH6Oz7FVwhyo+LF73nG5UwH35TrgZtZgtfMarsXjGjiuibML0blukWvQuA7OzzVw3DCBC+HtmkzKZtcnUib3esp2MrBpMX/3ZiOWg5WH1/F3cvF6kw2ug1xZWTGisV64lpZ1ZGXhZ7Iho0E8WH6uqWU7dW/WQG7uNuQVG7YN5lWvHfglgy1b7XPBNaR8bvmPa2ztM8TrbZt2r3e16bTrL+vGvUaez8s73/nOquT9WBvO54btg3/dh7tfsedrGdrz7f5r+ZMJD9YR68t+b3d+XqXXt+uAjzsiOc599D9wXS8DMWjaZCAAfauc7dGcxxGsn/5EzvI4OuVIvXZ0yq3orOnmOGVt5h76XJi/Dc7gyJx+b86s7GiebDh69Xp0Sh/8J37iJxoWXJ9J0+ajR4+wsrJiAo04K6d1gCN2shq0gxYAWkO4ZIVWAs4crG+eJkbWE797dfD5oImX5ly77tpaQ9h+/fJtsnxkwfyYLw/O9uiioAWJVhrO8LiagL9TRv6l/GzH7TxoLbIzSFoirHuGzxED0jgDZL2wLbPN0h/r5cEXGDCmpdaf6571Wv+vX9Yj5kP+tG5xJsx+hW2Xlgn3kkYvubQjbZmgj0GRpiHb0Oz+qzQNWd8ul7awM+PDSZMm1yv6efDB4APq9snwHE1DVm4v5aH5ncqWTLhJAB9gBlmxw+DAxHYuXspg07amKNYFzax84xRdAvRt0m/EToWd2KApX3bibB/kwEEZOzB2XOzArBKmYvFS+bKOaMrkgI37Kb/sZS8zS5CokJkvFQ47WfpZ/Qi4YgwAB44M5rFKlsqQcRRcksY2xPNf9EVfZMzOfJbarXzJhJvCsMyUh2ZnPjs8yITPD83wbLsc7PuxpJIMOEBikGTtQTk5AGBwFuvIz6OREmbbZrvqhUMK+Ii1xNku/UHsuOn7of+B/kxuRM+Hk4dtiHw4a0eNR8yu6cs5Sv/Jn/xJE9nLB5eDAeuTsaNTLxUffc6cRVGRMR8+BJxp8r2bfIDJjB0I1+JZTk0XroULmScVCgdErBfrL+PsjgrHT1laKEZbb2VkKDtMRhezI7exCWyvZMLO1k8uDB7i7DcajRqFRgVMGel/5nIo1p9XflY3WNtW3EqY+bJtc5DANjM5Oen5oIQ+VjuTY/AbZ3jkwWeKzxZnxAws4nPtBxc+02RCPhzY24PycLDA9eK2z7O/+fW3nhLuFeVLRlLAR2gpVL4ckVKpWGXGB4APDE1FbvMVGypnnV4dfCj5APChsA8Hg78YuGJNiVYJc5RqZ+deycMlPXzTCTtwPozszH/t137NfGZnTisATcAcLXvJpV75bMe6vr5u5ONDy+AV7hLktTm+njydPkdTKwOI2G4/5VM+xQQLso7sjM5P5UsWbJt8JSc7Tv7l80VlzO+cBbP+/DpsW7FKmIMTDqJp1aGlwA+FZ2WgEuZn7nTF58q+/5kR2NaV4wcXlpkDIbYbfmbfZreRpRxeWAGOUi6rhHlPLylfyksFfIKO4DNnzhylzAN3LZXdG97wBrPTjV07y4eUHRkVDn/n7kH0G7Fj9/Jgvpwl0MTL0TBnv9yBZ2try8wa2Ag5WKBCponRr4ODAvpcGTHJRe98aLlV3lvf+la/RDgwH8p3+fJl05mxk/fTL3+gYD7++La3vc3MphjRag+6UTiwfMtb3mLarz3v51/OMjnjZVvhM9Tpw7YVDgTs8+63TFYGDkK43KfTB1ctcGUH9zngQfM3+eg4pJM0FwAABwBJREFUPgFuotKXL2M4PpL6d3LkR5MPOy6admmSIjzuuMLf+I8zCipiL2ebXBpBnxR35bFmH84qmT93crIbsTMAih2ZnyNCjtY5IuasgX4qMuKsl4MAdiKdPuzMgr5wP7l0utzu/BmTwHpx1wnrhm2F/6xlx32PH58pA9sMA8I6JYO7nGwrdKHwILNOHLa92tm435aJ2jLTWkQ/MJen8V+nuNTK1cvfZYI+Qu3RF0IlTF8r91XmLIoPiT2oBL1UvsyHM5Vz587VVSCcfTIwgxHZHJ1yR6NOHDQJcdbAGSb9ZjRR+W12blRu1hflG6SDPni6JehHZF1wgMSZjFsJc0DiheLjgJSbrfDZ4EFZ2CZqg974O02r9Hl22qRJORnXQVn82mSjUXu0Spjc7IC70bU633sEpICPWGfsODjLY0QtFYzfioXmXb69qN6Mkh0qg2pe85rXdMWep1xiREXsN6MjVmlfX86O+x3veAe+5Eu+xETxcpZpN+qnEvbaSsLYCA4aaR2iQuOLOGidcW+yYSuACob/3INa+5vffzkg4YzTDhz8zt+dH3lI+bqJ9M9nKeBj1KWdCbu3mDxGMse6hR0Cl/YwqMndUdE0/Vd/9VfGT11POR8rM93U8wSoABlA9LVf+7XGN8+4AQ6IrJWCn93tqN0FZsCOXcvLmS8tM5xV2nNUzFbJUQ4vZWl32ZSeCLRKgAr4sVYTGcT7OfulCZqBCX4eHJXTRMdgGs5ueDBYg0qZ/jMdg0uA5l4GM9F8ag8OFrmulRtIsH3QesOgKwbp8TdaTbw+GEDEvLhdoPW923MMXKTcOkRgUAkoCOuYNc9OpROmIXaiVPycgXNzAPp+GRRB/7SOwSTAQZiNIGb7sH5uznC5/IptlRGrbDfvete7THuxM08viNHfzLZJ/y8j9vk6Rfp4OSO3s14OJhmkx1myl7J4UT6lKQLtIMAZsJYhtYNkB9LgDJgdKk3OfsxkOlBEZdkkAc5wuV7U7rrG3dqoBKnk2E64VI0zY1pPOPuk79fLg/lfuXLFmJRpKbL50e9MeRitL3OzlzWgtHuBAFfSvLQXBJWM+wlwVsN/OgabAE24nG1ym00eVH50UXBW/OKLLxqlTIXn52HbJpUt4xPswIDKn0qYS2totdEhAoNOQAp40FuAyt/TBKiAP/rRj1bKQJMvN2ahv5WzUG4R6udmErTKMNqaJnE7E6ZwVML8jUpYft9KdenDgBOQD3jAG4CK39sEaMrl8jT+pTuCZmYb6UxFR9+rn/EBXE/MZXqMdOaexTSD0wTODUC45zM3c5DPt7fbnKRvDwEtQ2oPR6UiAh0lwKh87tLmXiPOaGfumsaXxvvhb6W5mcqXypWBVnZ/dCph7qfMHeT4yk4/ZOloZShzEWiSgIKwmgSly0Sg2wlwj15umE+/L83OVMp2uY8fstPvzP2/rW+Xs2++ZpArBSiHDhEQgWoCCsKq5qFvItCzBKjouDSNflZGxfsdoMcgML7sggeVMGe6lOEVr3iF8flq5tuzTUuCe0hAQVgewlXSIuA3AbvZhR/5ctZN/y4jrmlq5hu47BuXKAcHAnpjjh81oTx6lYAUcK/WnOQWgQ4SYIQzlS9nvpzdcnkRFTFfa8gduXh4/WrODhZfWYtAWwhoK8q2YFQiIjBYBLidJSOcOdPlRhtca8xobPqgOevlP7/N4INVAyptPxCQAu6HWlQZRMBDAtxVi/s2M7LaHlS83F3LrumlufmVr3wlPvzhD9tL9FcEROAQAjJBHwJIP4vAIBOgWZlbXTKS2b33Odcbc4b77LPPmhc90CRN5cvoax0iIALNEdAMuDlOukoEBpLA1taWMTNb5UuFzO0l+ZdmZ86E+c7f973vfXj9618/kIxUaBE4LgHNgI9LTveJwAAQoIKlCZoBV9xsg75fnuOMd35+vrLudwBQqIgi0HYCehtS25EqQRHoLwJUttxj+uUvfzle/epXm+VFfA0mZ8Hcd1qHCIjA0QloI46jM9MdIjBwBBjlbHe4chder8F009BnETg6AfmAj85Md4jAwBLgrJevE6TPV5tsDGwzUMHbREAKuE0glYwIDAKB559/3pie3/SmN+nFCoNQ4SqjpwQUhOUpXiUuAv1F4LWvfW1/FUilEYEOEtAMuIPwlbUIiIAIiMDgEpACHty6V8lFQAREQAQ6SEAKuIPwlbUIiIAIiMDgEpACHty6V8lFQAREQAQ6SEAKuIPwlbUIiIAIiMDgEpACHty6V8lFQAREQAQ6SEAKuIPwlbUIiIAIiMDgEpACHty6V8lFQAREQAQ6SEAKuIPwlbUIiIAIiMDgEpACHty6V8lFQAREQAQ6SODEBz7wgd2PfexjHRRBWYuACIiACIjAYBF47LHH8P8Ban843XJsngwAAAAASUVORK5CYII=)