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<p>ਨà¨à¨²à© ਠà¨à¨² (à¨à¨à¨) ਦ੠ਵਧ ਰਹ੠à¨à¨à©à¨à¨°à¨¨ ਦ੠à¨à¨¾à¨°à¨¨ ਬà©à¨®à¨¾ ਠਤ੠ਪà©à¨°à¨à©à¨¨ à¨à©à¨¤à¨°à¨¾à¨ ਵਿੱਠà¨à©±à¨ ਮਹੱਤਵਪà©à¨°à¨£ ਤਬਦà©à¨²à© ਹ੠ਰਹ੠ਹà©. à¨à¨¿à¨à¨à¨à¨¿ à¨à¨¨à© à¨à©à¨à¨¨à©à¨²à©à¨à© ਵੱਠਵੱਠà¨à©°à¨®à¨¾à¨ ਵਿਠਤਾà¨à¨¨à¨¾à¨¤ à¨à©à¨¤à© à¨à¨¾à¨à¨¦à© ਹ੠à¨à¨¿à¨µà©à¨ à¨à¨¿ à¨à©à¨°à¨¾à¨¹à¨, à¨à©à¨¤à© à¨à¨ªà¨¦à©à¨¸à¨¼ ਠਤ੠ਦਾਠਵ੠ਦ੠ਪà©à¨°à¨¬à©°à¨§à¨¨ ਦ੠ਮੰਠਦਾ ਵਿà¨à¨¾à¨¸ ਹ੠ਰਿਹਾ ਹà©.</p>
<p>ਵਰਤਮਾਨ ਵਿੱà¨, à¨à¨à¨ ਦà©à¨à¨°à¨¾ à¨à¨²à¨¦à© ਸਠਤà©à¨ ਮਹੱਤਵਪà©à¨°à¨£ ਤਬਦà©à¨²à©à¨à¨ à¨à¨¹à¨¨à¨¾à¨ à¨à©à¨¤à¨°à¨¾à¨ ਵਿੱਠਵà©à¨à©à¨à¨ à¨à¨¾ ਸà¨à¨¦à©à¨à¨ ਹਨ à¨à¨¿à¨µà©à¨ ਠੰਡਰਰਾà¨à¨à¨¿à¨ ਠਤ੠à¨à¨²à©à¨® ਪà©à¨°à©à¨¸à©à¨¸à¨¿à©°à¨. à¨à¨¹ ਪà©à¨°à¨à¨¤à© ਨਾ ਸਿਰਫ à¨à¨¾à¨°à¨à¨¾à¨ ਨà©à©° ਨਹà©à¨ ਦਰਸਾà¨à¨à¨¦à©, ਪਰ à¨à¨µà¨¿à©±à¨à¨¬à¨¾à¨°à© ਠਦਾਰਿà¨à¨ ਨà©à©° ਸਿà¨à¨²à¨¾à¨ ਸਿà¨à¨²à¨¾à¨ ਦà©à¨£ ਲਠਨਵà©à¨à¨ à¨à©à¨£à©à¨¤à©à¨à¨ ਦਾ ਸਾਹਮਣਾ à¨à¨° ਰਿਹਾ ਹà©. à¨à¨à¨ ਯà©à¨à¨¤à¨¾à¨µà¨¾à¨ ਦ੠ਨਾਲ, ਬਹà©à¨¤ ਸਾਰà©à¨à¨ à¨à¨à¨à¨°-ਪੱਧਰ ਦà©à¨à¨ à¨à©à¨®à¨¿à¨à¨¾à¨µà¨¾à¨ ਸਵà©à¨à¨¾à¨²à¨¿à¨¤ à¨à¨¾à¨ ਵਧà©à¨à¨ ਹà©à¨à¨à¨ ਹਨ, ਵਿਦਿà¨à¨°à¨¥à©à¨à¨ ਨà©à©° à¨à¨¹ ਹà©à¨¨à¨° ਪà©à¨¦à¨¾ à¨à¨°à¨¨à© à¨à¨¾à¨¹à©à¨¦à© ਹਨ à¨à© ਮਸ਼à©à¨¨à¨¾à¨ ਨà©à©° ਪà©à¨°à¨¾ à¨à¨° ਸà¨à¨¦à©à¨à¨ ਹਨ.</p>
<p>à¨à¨¾à¨°à©à¨¬à¨¾à¨°à© ਠà¨à¨² ਵਿੱਠਡà©à¨à¨¾ ਵਿਸ਼ਲà©à¨¸à¨¼à¨£ ਠਤ੠à¨à¨¼à¨°à©à¨°à© ਹà©à¨¨à¨° ਵਿੱਠਵਿਦਿਠਠਸੰਸਥਾਵਾਠਨà©à©° ਠਪਣਾà¨à¨£ ਲਠà¨à¨ªà¨£à© à¨à©à¨°à¨¸à¨¾à¨ ਨà©à©° ਠਪਣਾà¨à¨£ ਦà©à¨à¨°à¨¾ à¨à¨° ਰਹ੠ਹਨ. ਪà©à¨°à©à¨à¨°à¨¾à¨® ਹà©à¨£ à¨à¨¤à¨ªà¨¾à¨¦à¨à¨¤à¨¾ ਨà©à©° à¨à¨¤à¨¸à¨¼à¨¾à¨¹à¨¤ à¨à¨°à¨¨ ਠਤ੠ਤà¨à¨¨à©à¨à© ਵਾਤਾਵਰਣ ਦ੠ਠੰਦਰ ਫà©à¨¸à¨²à¨¿à¨à¨ ਦ੠ਰਿਪà©à¨°à¨ à¨à¨°à¨¨ ਲਠà¨à¨à¨ à¨à©à¨² ਦà©à¨à¨ ਵਿਵਹਾਰਠà¨à¨ªà¨²à©à¨à©à¨¸à¨¼à¨¨à¨¾à¨ ਤ੠à¨à¨¼à©à¨° ਦਿੰਦ੠ਹਨ.</p>
<p>ਬà©à¨®à¨¾ ਠਤ੠ਪà©à¨°à¨à©à¨¨ à¨à©à¨¤à¨°à¨¾à¨ ਦ੠ਠੰਦਰ à¨à¨¨à©à¨¹à¨¾à¨ ਪਰਿਵਰਤਨਸ਼à©à¨² ਤਬਦà©à¨²à©à¨à¨ ਵਿੱਠਡà©à©°à¨à¨¾à¨ ਵਿੱà¨, &#8216;à¨à¨à¨à¨à¨¨à¨à©à¨¯à© ਨ੠ਬà©à¨®à¨¾ ਠਤ੠ਪà©à¨°à¨à©à¨¨&#8217;, ਲà©à¨à¨à¨¨ ਦ੠à¨à¨¾à¨°à¨¤ ਠਤ੠ਡਾ. ਪà©à¨¨à¨²à¨µà¨¾à¨à¨¸ ਵਿੱਠ12. ਪà©à¨¨à¨²à¨µà¨°à¨¸ ਵਿੱਠ12:2 ਠਪà©à¨°à©à¨² ਨà©à©° 12:00 ਵà¨à© ਦ੠à¨à¨°à©à¨ ਰ ਨà©à©° ਦà©à¨¬à¨¾à¨°à¨¾ à¨à©à¨²à©à¨¹à¨£à¨à©. ਪà©à¨°à¨¬à©à¨¨à¨¾ ਰਾà¨à©à¨¬, ਡਾà¨à¨°à©à¨à¨à¨°, ਬਿਮà¨à©à¨ ਤà©à¨ ਸà©à¨µà¨¿à¨¤à¨¾à¨à© ਤà©à¨ ਸà©à¨µà¨¿à¨¤à¨¾à¨à© </p>
<h4 class="sub_head">ਪਾà©à© ਨà©à©° ਤà©à©à¨¨à¨¾</h4>
<p>ਠੱà¨, à¨à¨¾à¨°à©à¨¬à¨¾à¨° ਦਾ ਹਰ ਪਹਿਲ੠ਤà¨à¨¨à¨¾à¨²à©à¨ ਬਣ à¨à¨¿à¨ ਹà©. ਬà©à¨à¨à¨¾à¨ ਲਠਬਹà©à¨¤ ਸਾਰ੠à¨à¨¾à¨°à¨ or ਨਲਾà¨à¨¨ à¨à©à¨¤à© à¨à¨¾ ਸà¨à¨¦à© ਹਨ. à¨à¨¸ ਨਾਲ ਵਿੱਤ੠ਸੰਸਥਾਵਾਠà¨à¨¿à¨µà©à¨ à¨à¨¿ ਬà©à¨à¨à¨¾à¨ ਠਤ੠ਬà©à¨®à¨¾ à¨à©°à¨ªà¨¨à©à¨à¨ ਦ੠ਪà¨à¨¾à¨£ à¨à¨°à¨¨ ਲਠà¨à©±à¨ ਸਵਿਠਹ੠à¨à¨¿à¨ ਹà©. à¨à¨¹ ਸਿਰਫ ਵਿੱਤ੠à¨à©°à¨ªà¨¨à©à¨à¨ ਨਹà©à¨ ਵà©à¨à¨¦à©, ਪਰ ਤà¨à¨¨à©à¨à© à¨à©°à¨ªà¨¨à©à¨à¨ ਵ੠ਵ੠ਨਹà©à¨ ਵà©à¨à¨¦à©à¨à¨.</p>
<p>à¨à¨¸ ਲà¨, ਸੰਸਥਾਵਾਠਨà©à©° à¨à¨ªà¨£à© à¨à©à¨°à¨¸à¨¾à¨ ਨà©à©° ਠਪà¨à©à¨°à©à¨¡ à¨à¨°à¨¨ ਦ੠à¨à¨¼à¨°à©à¨°à¨¤ ਹ੠ਠਤ੠ਬà©à¨à¨à¨¿à©°à¨ ਠਤ੠ਬà©à¨®à¨¾ ਪà©à¨°à©à¨à¨°à¨¾à¨®à¨¾à¨ ਵਿਠà¨à¨à¨ ਦ੠ਸਿੱà¨à¨¿à¨ ਸ਼ਾਮਲ ਹà©à©°à¨¦à© ਹà©. à¨à¨¸ ਪਾà©à© ਨà©à©° ਦà©à¨° à¨à¨°à¨¨ ਲà¨, ਬਿਪà¨à©à¨ ਸਰà¨à©à¨«à¨¿à¨à©à¨ ਪà©à¨°à©à¨à¨°à¨¾à¨®à¨¾à¨ ਠਤ੠ਹà©à¨° ਪà©à¨°à¨¦à¨¾à¨¨ à¨à¨°à¨¨ ਲਠà¨à¨¦à¨¯à©à¨ ਵਿੱਠਵੱਠਵੱਠਹਿੱਸà©à¨¦à¨¾à¨°à¨¾à¨ ਨਾਲ ਬੰਨà©à¨¹à¨¿à¨ ਹà©à¨à¨ ਹà©. ਡਾ: ਰਾà¨à¨¿à¨¬ ਨà©à©° à¨à¨à¨à¨µà©à¨¨à¨¾à¨° ਨà©à©° ਪà©à¨°à¨¾ à¨à¨°à¨¨ ਲਠà¨à¨¸ ਸਮà©à¨ à¨à¨¦à¨¯à©à¨ ਦ੠ਠਧਾਰ ਤ੠à¨à¨¦à¨¯à©à¨ ਦ੠ਠਧਾਰ ਤ੠à¨à¨¦à¨¯à©à¨ ਦ੠ਠਧਾਰ ਤ੠à¨à¨¦à¨¯à©à¨ ਦ੠ਠਧਾਰ ਤ੠à¨à¨¦à¨¯à©à¨ ਦ੠ਠਧਾਰ ਤ੠à¨à¨¦à¨¯à©à¨ ਦ੠ਠਧਾਰ ਤ੠à¨à¨¦à¨¯à©à¨ ਦ੠ਠਧਾਰ ਤ੠à¨à¨¦à¨¯à©à¨ ਦ੠ਠਧਾਰ ਤ੠à¨à¨¦à¨¯à©à¨ ਦ੠ਠਧਾਰ ਤ੠ਹà©. </p>
<h4 class="sub_head">ਡà©à¨®à©à¨¨ à¨à¨¿à¨à¨¨ ਦ੠ਮਹੱਤਤਾ</h4>
<p>à¨à¨¹ ਮਹੱਤਵਪà©à¨°à¨¨ ਹ੠à¨à¨¿ à¨à©°à¨ªà¨¨à©à¨à¨ à¨à¨¨à©à¨¹à¨¾à¨ ਦ੠ਠੰਤਮ à¨à©à¨à© ਠਤ੠à¨à¨à¨ ਦ੠ਵਰਤà©à¨ ਨà©à©° ਹੱਲ à¨à¨°à¨¨ ਦ੠à¨à©à¨¸à¨¼à¨¿à¨¸à¨¼ à¨à¨°à¨¨ ਵਾਲ੠ਸਮੱਸਿਠਬਾਰ੠ਸਪਸ਼ਠਹਨ. ਡਾ: ਰਾà¨à¨¿à¨¬ ਨ੠à¨à¨¨à©à¨¹à¨¾à¨ ਵਿਠਪੱà¨à¨ªà¨¾à¨¤ ਦ੠ਮà©à¨à©à¨¦à¨à© ਦ੠ਵਿਰà©à©±à¨§ à¨à©à¨¤à¨¾à¨µà¨¨à© ਦਿੱਤ੠ਹ੠à¨à© à¨à¨à¨ à¨à¨ªà¨à¨°à¨£ ਵਿà¨à¨¸à¨¤ à¨à¨°à¨¦à© ਹਨ. à¨à¨¨à©à¨¹à¨¾à¨ à¨à¨¿à¨¹à¨¾, &#8220;ਠà¨à¨¿à¨¹à© ਪੱà¨à¨ªà¨¾à¨¤ ਠਣà¨à¨¾à¨£à© ਵਿੱਠਨਤà©à¨à¨¿à¨à¨ ਨà©à©° ਪà©à¨°à¨à¨¾à¨µà¨¤ à¨à¨° ਸà¨à¨¦à© ਹਨ ਠਤ੠ਸਮà©à¨ ਤà©à¨ ਲੰਬ੠ਸਮà©à¨ ਤà©à¨ ਨà©à¨à¨¸à¨¾à¨¨ ਪਹà©à©°à¨à¨¾ ਸà¨à¨¦à© ਹਨ,&#8221; à¨à¨¸à¨¨à© à¨à¨¿à¨¹à¨¾.</p>
<p>à¨à¨¸ ਮà©à©±à¨¦à© ਨà©à©° ਹੱਲ à¨à¨°à¨¨ ਲà¨, à¨à¨¹ ਮਹੱਤਵਪà©à¨°à¨¨ ਹ੠à¨à¨¿ ਵਿਦਿà¨à¨°à¨¥à©à¨à¨ ਨà©à©° ਡà©à¨®à©à¨¨ à¨à¨¿à¨à¨¨ ਹà©à¨£à¨¾ ਲਾà¨à¨¼à¨®à© ਹà©. ਤà¨à¨¨à©à¨à© à¨à¨¿à¨à¨¨ à¨à¨ªà¨£à© à¨à¨ª ਵਿਠà¨à¨¾à¨«à¨¼à© ਨਹà©à¨ ਹà©à©°à¨¦à¨¾. à¨à¨¸ ਲà¨, à¨à©±à¨ à¨à©à¨à¨¨à©à¨²à©à¨à© ਦ੠ਪਿà¨à©à¨à© ਵਾਲ੠ਪà©à¨¸à¨¼à©à¨µà¨°à¨¾à¨ ਨà©à©° ਵਿਸ਼à©à¨¸à¨¼ ਡà©à¨®à©à¨¨ à¨à¨¿à¨à¨¨ à¨à¨¿à¨µà©à¨ à¨à¨¿ ਬà©à¨®à¨¾, à¨à¨¾à¨¨à©à©°à¨¨, ਵਿੱਤ à¨à¨¾à¨ ਪà©à¨°à¨à©à¨¨ &#8216;ਤ੠ਵ੠à¨à©°à¨® à¨à¨°à¨¨à¨¾ à¨à¨¾à¨¹à©à¨¦à¨¾ ਹà©. ਡਾ: ਰਾà¨à¨¿à¨¬ ਨ੠à¨à¨¿à¨¹à¨¾, &#8220;à¨à¨¨à©à¨¹à¨¾à¨ ਨà©à©° ਸਮà¨à¨£à¨¾ ਪà¨à¨à¨¾ à¨à¨¿ ਮਾਰà¨à©à¨ à¨à© ਹà©, ਤਾਠà¨à¨¾à¨£à© à¨à¨¿ à¨à¨¹ ਵà©à¨à¨¦à¨¾ ਹ੠ਠਤ੠ਨਹà©à¨ ਵà©à¨à¨¦à¨¾&#8221;. </p>
<h4 class="sub_head">ਡਾà¨à¨¾ ਸ਼à©à©±à¨§à¨¤à¨¾</h4>
<p>ਸà©à¨¦à©à¨ª à¨à©°à¨¡à©à¨ ਨ ਨ੠à¨à¨¼à©à¨° ਦ੠à¨à© à¨à¨¿à¨¹à¨¾ à¨à¨¿ à¨à¨à¨ ਡਾà¨à¨¾ ਸ਼à©à©±à¨§à¨¤à¨¾ ਵਿੱਠਸà©à¨§à¨¾à¨° ਲਿà¨à¨à¨£ ਠਤ੠ਠੰਡਰਰਾà¨à¨à¨¿à©°à¨ ਫà©à¨¸à¨²à¨¿à¨à¨ ਤ੠à¨à¨°à¨à© à¨à¨ ਸਮà©à¨ ਨà©à©° à¨à¨à¨¾ à¨à© à¨à¨¾à¨¹à¨ à¨à©à¨°à¨¹à¨¿à¨£ ਪà©à¨°à¨à¨¿à¨°à¨¿à¨à¨µà¨¾à¨ ਨà©à©° ਵਧਾà¨à¨£ ਵਿੱਠਸਹਾà¨à¨¤à¨¾ à¨à¨°à¨¦à¨¾ ਹà©. à¨à¨¦à¨¾à¨¹à¨°à¨£ ਦ੠ਲà¨, ਬà©à¨®à¨¾ ਪà©à¨°à¨¦à¨¾à¨¤à¨¾ ਪਹਿਲਾਠਨਾਲà©à¨ à¨à¨¼à¨¿à¨à¨¦à¨¾ à¨à©à¨à¨® ਮà©à¨²à¨¾à¨à¨à¨£ ਨà©à©° ਪà©à¨°à¨¾ à¨à¨° ਸà¨à¨¦à¨¾ ਹà©, ਸਵà©à¨à¨¾à¨²à¨¤ ਪà©à¨°à¨£à¨¾à¨²à©à¨à¨ ਦਾ ਧੰਨਵਾਦ à¨à© ਵਿਸ਼ਾਲ ਡà©à¨à¨¾à¨¸à©à¨ ਦਾ à¨à¨¾à¨à¨à¨¼à¨¾ ਲà©à¨à¨¦à© ਹਨ.</p>
<p>ਦà©à¨à© ਪਾਸà©, ਡਾ: ਰਾà¨à©à¨¬ ਨ੠à¨à©±à¨à© à¨à©à¨¤à© à¨à¨¿ à¨à¨¿à¨µà©à¨ ਪà©à¨°à¨à©à¨¨ à¨à¨¾à¨°à©à¨¬à¨¾à¨° ਨà©à©° ਹਾਠਮਾਰà¨à©à¨à¨¿à©°à¨ ਦà©à¨à¨ ਰਣਨà©à¨¤à©à¨à¨ ਲਠà¨à¨à¨ ਦਾ ਲਾਠà¨à¨ ਾà¨à¨, à¨à¨¿à¨¸à¨¦à¨¾ à¨à¨¦à©à¨¸à¨¼ à¨à¨¨à©à¨¹à¨¾à¨ ਦà©à¨à¨ à¨à¨°à©à¨¦ ਦà©à¨à¨ à¨à¨¦à¨¤à¨¾à¨ ਦ੠ਠਧਾਰ ਤ੠à¨à¨ªà¨¤à¨à¨¾à¨°à¨¾à¨ ਦà©à¨à¨ à¨à¨¼à¨°à©à¨°à¨¤à¨¾à¨ ਨà©à©° ਪà©à¨°à¨¾ à¨à¨°à¨¨à¨¾ ਹà©. à¨à¨¨à©à¨¹à¨¾à¨ à¨à¨¿à¨¹à¨¾ à¨à¨¿ ਤà¨à¨¨à¨¾à¨²à©à¨à© ਨਾ ਸਿਰਫ à¨à¨¾à¨¹à¨à¨¾à¨ ਦ੠ਫà©à¨à¨¸ à¨à¨ªà¨°à©à¨¸à¨¼à¨¨à¨¾à¨ ਨà©à©° ਵਧਾà¨à¨à¨¦à© ਹà©, ਬਲà¨à¨¿ à¨à©à¨¨ ਸਮਰੱਥਾ ਨà©à©° ਵ੠ਪà©à¨°à¨à©à¨¨ ਵਾਤਾਵਰਣ ਵਿੱਠਸਪਲਾਠà¨à¨°à¨¦à© ਹà©.</p>
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