<h2 class="sub-title">ਵੱਧ ਰਹ੠à¨à©à¨¸à¨¼à¨¹à¨¾à¨²à© ਦ੠ਨਾਲ, ਵਿੱਤ੠ਯà©à¨à¨¨à¨¾à¨¬à©°à¨¦à© ਬਾਰ੠ਠਤ੠ਵਿੱਤ੠ਯà©à¨à¨¨à¨¾à¨¬à©°à¨¦à© ਬਾਰ੠à¨à¨¾à¨à¨°à©à¨à¨¤à¨¾ ਵਧਾà¨à¨£ ਵਾਲ੠à¨à¨¸ à¨à©à¨¤à¨° ਨà©à©° à¨à©±à¨ à¨à¨à¨¾à¨² ਦਾ ਠਨà©à¨à¨µ à¨à¨° ਰਿਹਾ ਹà©</h2>
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<p><span class="drop-caps">à¨à¨¾à¨¹</span>à¨à¨¹ ਪà©à¨¸à¨¾ ਪà©à¨°à¨¬à©°à¨§à¨¨ à¨à¨¦à¨¯à©à¨ ਮਹੱਤਵਪà©à¨°à¨¨ ਵਾਧ੠ਲਠਤਿà¨à¨° ਹà©, à¨à¨¹ ਠੰਦਾà¨à¨¼à¨¨ ਵਿਸ਼ਵ ਮਾਰà¨à©à¨ ਦ੠ਨਾਲ 2028 ਤੱਠ158.70 à¨à©à¨°à¨¿à¨²à©à¨ ਨ &#8216;ਤ੠ਪਹà©à©°à¨à¨£ ਦਾ ਠਨà©à¨®à¨¾à¨¨ ਹà©. à¨à¨¾à¨°à¨¤ ਵਿੱà¨, à¨à©à¨¤à¨° ਵੱਧ ਰਹ੠à¨à©à¨¸à¨¼à¨¹à¨¾à¨²à©, ਡਿਸਪà©à¨¸à©à¨à¨² à¨à¨®à¨¦à¨¨ ਵਿੱਠਵਾਧਾ ਠਤ੠ਵਿੱਤ੠ਯà©à¨à¨¨à¨¾ ਬਾਰ੠à¨à¨¾à¨à¨°à©à¨à¨¤à¨¾ ਵਿੱਠਵਾਧਾ à¨à¨° ਰਿਹਾ ਹà©. à¨à¨¹ à¨à©à¨°à©à¨ ਰ ਦ੠ਦਿਲà¨à¨¸à¨ª ਮà©à¨à¨¿à¨à¨ ਪà©à¨¸à¨¼ à¨à¨°à¨¦à¨¾ ਹà©, ਪਰ ਤà¨à¨¨à©à¨à© ਤਰੱà¨à© ਦ੠à¨à¨¾à¨°à¨¨ ਪà©à¨¸à© ਪà©à¨°à¨¬à©°à¨§à¨à¨¾à¨ ਨà©à©° ਤà©à¨à¨¼à© ਨਾਲ ਵਿà¨à¨¸à¨¤ ਲà©à¨à¨¡à¨¸à¨à©à¨ª ਨà©à©° ਨà©à¨µà©à¨à©à¨ à¨à¨°à¨¨à¨¾ ਪà¨à¨à¨¾. à¨à¨¹ à¨à©à¨ à¨à©à¨°à©à¨ ਰ ਵਿà¨à¨²à¨ª ਹਨ:</p>
<p><b>ਵਿੱਤ੠ਵਿਸ਼ਲà©à¨¸à¨¼à¨: à¨à©</b>ਵਿੱਤ, à¨à¨ ਮà¨à¨¼à¨¬à©à¨¤ ​​ਵਿਦਿਠਠਵਿੱਤ, ਠਰਥ ਸ਼ਾਸਤਰ à¨à¨¾à¨ à¨à¨£à¨¿à¨¤ ਵਿà¨, ਵਾà¨à¨ªà¨²à©à¨¯à©à¨²à© ਡà©à¨à¨¾ ਵਿਸ਼ਲà©à¨¸à¨¼à¨£ ਠਤ੠ਵਿਸ਼ਲà©à¨¸à¨¼à¨£ ਯà©à¨à¨¤à¨¾à¨µà¨¾à¨ ਦ੠ਨਾਲ à¨à¨¼à¨°à©à¨°à© ਹà©. à¨à¨à¨à¨°à© ਪੱਧਰ ਦ੠à¨à©à¨®à¨¿à¨à¨¾ à¨à©à¨, ਡਾà¨à¨¾ ਵਿਸ਼ਲà©à¨¸à¨¼à¨£ ਠਤ੠ਵਿੱਤ੠ਰਿਪà©à¨°à¨à¨¿à©°à¨ ਸਮà©à¨¤ ਮ੠basic ਲ੠à¨à¨¿à¨à¨¨ ਨà©à©° ਵਿà¨à¨¸à¨¤ à¨à¨°à¨¨ ਲਠਮਹੱਤਵਪà©à¨°à¨£ ਤà¨à¨¼à¨°à¨¬à¨¾ ਪà©à¨°à¨¦à¨¾à¨¨ à¨à¨°à¨¦à© ਹà©. ਸਫਲਤਾ à¨à¨à¨¸à¨², à¨à¨¸à¨à¨¿ QL à¨à¨² ਠਤ੠ਪਾà¨à¨¥à¨¨ ਦ੠ਨਾਲ-ਨਾਲ ਮà¨à¨¼à¨¬à©à¨¤ ​​ਵਿਸ਼ਲà©à¨¸à¨¼à¨£ à¨à¨°à¨¨ ਦ੠ਹà©à¨¨à¨°, ਸਮੱਸਿà¨-ਹੱਲ ਸਮਰੱਥਾ ਠਤ੠ਪà©à¨°à¨à¨¾à¨µà¨¸à¨¼à¨¾à¨²à© ਠਤ੠ਮà©à¨à©à¨¦à¨¾ ਸਿੱà¨à© ਵà¨à©à¨ ਸੰà¨à¨¾à¨° à¨à¨°à¨¨ ਦ੠ਯà©à¨à¨¤à¨¾.</p>
<p><b>à¨à¨¾à¨¹à¨ ਸà©à¨µà¨¾ à¨à¨¸à©à¨¸à©à¨à¨ (ਸà©à¨à¨¸à¨): </b>à¨à¨¦à©à¨ à¨à¨¿ à¨à¨¿à¨¸à© ਵ੠à¨à©à¨¤à¨° ਵਿੱਠਬà©à¨à¨²à¨° ਦ੠ਡਿà¨à¨°à© à¨à¨¾à¨«à¨¼à©, ਮà¨à¨¼à¨¬à©à¨¤ ​​à¨à¨¾à¨¹à¨ ਸà©à¨µà¨¾ ਠਤ੠ਸੰà¨à¨¾à¨° ਦà©à¨à¨ ਹà©à¨¨à¨°à¨¾à¨ ਦ੠à¨à¨¼à¨°à©à¨°à¨¤ ਹà©à©°à¨¦à© ਹà©. ਸà©à¨à¨¸à¨ à¨à¨® ਤà©à¨° ਤ੠ਠਸਧਾਰਨ ਸੰà¨à¨¾à¨° ਠਤ੠à¨à¨ªà¨¸à© ਹà©à¨¨à¨°, à¨à©±à¨ ਮà¨à¨¼à¨¬à©à¨¤ ​​à¨à¨¾à¨¹à¨ ਸà©à¨µà¨¾ ਦ੠ਸਥਿਤ੠ਠਤ੠ਵਿਸਥਾਰ ਵੱਲ ਸ਼ਾਨਦਾਰ ਧਿà¨à¨¨ à¨à¨¿à©±à¨à¨¦à¨¾ ਹà©. à¨à¨¹ ਬਹà©à¨¤ ਹ੠ਸੰà¨à¨ ਿਤ ਹà©à©°à¨¦à© ਹਨ ਠਤ੠ਪੱà¨à© ਸਮà©à¨-ਪà©à¨°à¨¬à©°à¨§à¨¨ ਸਮਰੱਥਾਵਾਠਦ੠ਹੱà¨à¨¦à¨¾à¨° ਹਨ. à¨à¨¹ ਰà©à¨² à¨à¨¦à¨¯à©à¨ ਦ੠ਠੰਦਰ ਹà©à¨° ਠਹà©à¨¦à¨¿à¨à¨ ਲਠਮਹੱਤਵਪà©à¨°à¨£ à¨à¨¦à¨® ਵà¨à©à¨ à¨à©°à¨® à¨à¨° ਸà¨à¨¦à¨¾ ਹà©.</p>
<p><b>ਰਿਲà©à¨¸à¨¼à¨¨ ਮà©à¨¨à©à¨à¨° (à¨à¨° à¨à¨®): </b>à¨à¨¹ à¨à¨¾à¨¹à¨-ਸਹਾà¨à¨¤à¨¾ ਦ੠à¨à©à¨®à¨¿à¨à¨¾ à¨à¨® ਤà©à¨° &#8216;ਤ੠ਵਿੱਤ, ਠਰਥ ਸ਼ਾਸਤਰ à¨à¨¾à¨ ਸਬੰਧਤ à¨à©à¨¤à¨°à¨¾à¨, ਠਤ੠ਸੰà¨à¨¾à¨° ਦà©à¨à¨ à¨à©à¨¸à¨¼à¨²à¨¤à¨¾à¨µà¨¾à¨ ਦ੠ਨਾਲ ਨਾਲ ਵਿà¨à¨°à© ਠਤ੠à¨à©±à¨²à¨¬à¨¾à¨¤ ਸਮਰੱਥਾਵਾਠਵਿੱਠà¨à©±à¨ ਬà©à¨à¨²à¨° ਦ੠ਡਿà¨à¨°à© ਦ੠à¨à¨¼à¨°à©à¨°à¨¤ ਹà©à©°à¨¦à© ਹà©. ਵਿੱਤ੠à¨à¨¤à¨ªà¨¾à¨¦à¨¾à¨ ਠਤ੠ਸà©à¨µà¨¾à¨µà¨¾à¨ ਦ੠ਡà©à©°à¨à© ਸਮਠਵ੠ਮਹੱਤਵਪà©à¨°à¨¨ ਹà©. ਸà©à¨¨à©à¨ ਰ ਠਹà©à¨¦à¨¿à¨à¨ à¨à¨¾à¨ ਹà©à¨° ਵਿਸ਼à©à¨¸à¨¼ à¨à©à¨®à¨¿à¨à¨¾à¨µà¨¾à¨ ਲਠà¨à¨°à©à¨ ਰ ਦ੠ਤਰੱà¨à© ਲਠà¨à¨¹ à¨à¨ à¨à¨¦à¨® ਦਾ ਪੱਥਰ ਹ੠ਸà¨à¨¦à¨¾ ਹà©.</p>
<p><b>ਨਿਵà©à¨¸à¨¼ ਸਲਾਹà¨à¨¾à¨°: </b>ਸਰà¨à©à¨«à¨¿à¨à©à¨ à¨à¨¿à¨µà©à¨ à¨à¨¿ à¨à¨¾à¨°à¨à¨°à¨¡ ਵਿੱਤ੠ਵਿਸ਼ਲà©à¨¸à¨¼à¨ (ਸà©.à¨à©±à¨«.à¨.) à¨à¨¾à¨ ਪà©à¨°à¨®à¨¾à¨£à¨¤ ਵਿੱਤ੠ਯà©à¨à¨¨à¨¾à¨à¨¾à¨° (ਸà©à¨à¨«à¨ªà©) à¨à¨® ਤà©à¨° &#8216;ਤ੠à¨à¨°à¨µà¨¾à¨ à¨à¨¾à¨à¨¦à© ਹਨ ਠਤ੠ਵਿੱਤ੠ਬਾà¨à¨¼à¨¾à¨°à¨¾à¨ ਠਤ੠ਨਿਵà©à¨¸à¨¼ ਦà©à¨à¨ ਰਣਨà©à¨¤à©à¨à¨ ਦਾ ਡà©à©°à¨à¨¾ à¨à¨¿à¨à¨¨ ਹà©à©°à¨¦à¨¾ ਹà©. à¨à¨¸ ਸਥਿਤ੠ਵਿੱਠਵਿà¨à¨ªà¨ ਵਿੱਤ੠ਯà©à¨à¨¨à¨¾à¨¬à©°à¨¦à© ਠਤ੠ਨਿਵà©à¨¸à¨¼ ਦ੠ਸà©à¨§ ਵਿੱਠਸ਼ਾਮਲ ਹਨ. ਮà©à©±à¨ ਲੱà¨à¨£à¨¾à¨ ਵਿੱਠਵਿਸ਼ਲà©à¨¸à¨¼à¨£ ਠਤ੠ਸਮੱਸਿਠਨà©à©° ਹੱਲ à¨à¨°à¨¨ ਦ੠ਯà©à¨à¨¤à¨¾, ਡà©à©°à¨à¨¾à¨ ਬਾà¨à¨¼à¨¾à¨° à¨à¨¿à¨à¨¨, ਠਤ੠à¨à¨¾à¨¹à¨à¨¾à¨ ਵਿੱਠਵਿਸ਼ਵਾਸ ਨà©à©° ਬਣਾà¨à¨£ ਠਤ੠ਬਣਾà¨à¨£ ਠਤ੠ਰੱà¨à¨£ ਦ੠ਹà©à¨¨à¨° ਨà©à©° ਸ਼ਾਮਲ à¨à¨°à¨¨ ਦ੠ਯà©à¨à¨¤à¨¾ ਸ਼ਾਮਲ ਹਨ.</p>
<p><b>ਪà©à¨°à¨à¨«à©à¨²à©à¨ ਮà©à¨¨à©à¨à¨°: </b>ਪà©à¨¸à¨¼à©à¨µà¨° ਪà©à¨°à¨®à¨¾à¨£ ਪੱਤਰ à¨à¨¿à¨µà©à¨ à¨à¨¿ à¨à¨®à¨¬à©à¨ ਠਤ੠ਸà©à¨à¨«à¨ à¨à¨¡à¨µà¨¾à¨à¨¸à¨¡ ਡਿà¨à¨°à©à¨à¨ ਵਿੱਠਮਹੱਤਵਪà©à¨°à¨¨ ਹਨ. à¨à¨¸ à¨à©±à¨ ਪੱਧਰ੠à¨à©à¨®à¨¿à¨à¨¾ ਵਿੱਠà¨à¨¾à¨¹à¨ ਦ੠ਪà©à¨°à¨¬à©°à¨§à¨¨ ਠਤ੠ਵਧਦ੠ਹà©à¨ à¨à©à¨°à¨¾à¨à¨¦à¨¾ ਪà©à¨°à¨à¨«à©à¨²à©à¨ ਸ਼ਾਮਲ ਹਨ ਠਤ੠ਵਿੱਤ੠ਬਾà¨à¨¼à¨¾à¨°à¨¾à¨, ਨਿਵà©à¨¸à¨¼ ਦ੠ਹà©à¨¨à¨° ਠਤ੠ਮà©à¨² ਠਤ੠ਮਾਤਰਾਤਮਠਹà©à¨¨à¨°à¨¾à¨ ਵਿੱਠਵਿà¨à¨ªà¨ ਠਨà©à¨à¨µ ਦ੠à¨à¨¼à¨°à©à¨°à¨¤ ਹà©.</p>
<p><b>ਬਦਲਵà©à¨ ਨਿਵà©à¨¸à¨¼ ਮਾਹਰ: </b>ਪà©à¨°à¨¾à¨à¨µà©à¨ à¨à¨à¨µà¨¿à¨à© ਵਰà¨à©à¨à¨ à¨à©à¨¤à¨°à¨¾à¨ ਵਿੱਠਮਾਹਰ, ਹà©à¨ ਫੰਡਾਠà¨à¨¾à¨ ਰà©à¨ ਲ ਠਸà¨à©à¨, à¨à¨¸ à¨à©à¨®à¨¿à¨à¨¾ ਨà©à©° ਵਿà¨à¨²à¨ªà¨¿à¨ à¨à¨¾à¨à¨¦à¨¾à¨¦ ਦà©à¨à¨ à¨à¨²à¨¾à¨¸à¨¾à¨ ਠਤ੠à¨à¨¨à©à¨¹à¨¾à¨ ਦ੠à¨à©à¨à¨®à¨¾à¨ ਦ੠ਡà©à©°à¨à© ਸਮਠਦ੠à¨à¨¼à¨°à©à¨°à¨¤ ਹà©. à¨à¨¡à¨µà¨¾à¨à¨¸à¨¡ ਡਿà¨à¨°à©à¨à¨ ਠਤ੠ਸਰà¨à©à¨«à¨¿à¨à©à¨ ਠà¨à¨¸à¨° ਲà©à©à©à¨à¨¦à© ਹà©à©°à¨¦à© ਹਨ. </p>
<p><b>ਪਰਿਵਾਰਠਦਫਤਰ ਪà©à¨°à¨¬à©°à¨§à¨: à¨à¨°</b>ਠਮà©à¨° ਵਿਠà¨à¨¤à©à¨à¨ ਠਤ੠ਪਰਿਵਾਰਾਠਦ੠ਵਿੱਤ੠ਮਾਮਲਿà¨à¨ ਠਤ੠ਪਰਿਵਾਰਾਠਦ੠ਵਿੱਤ੠ਮਾਮਲਿà¨à¨ ਦ੠ਪà©à¨°à¨¬à©°à¨§à¨¨ ਲà¨, ਠਪਪਰਿà¨à© ਸà¨à©à¨® ਠਤ੠ਪਰà¨à¨ªà¨°à¨¤ ਵਿੱਠà¨à¨® ਤà©à¨° ਤ੠ਵਿੱਤ, à¨à¨¾à¨¨à©à©°à¨¨ à¨à¨¾à¨ ਸੰਬੰਧਿਤ à¨à¨²à¨¾à¨à©°à¨ ਸà©à¨µà¨¾à¨µà¨¾à¨ ਵਿੱਠਠਨà©à¨à¨µ ਹà©à©°à¨¦à¨¾ ਹà©. à¨à©à¨®à¨¿à¨à¨¾ ਮà¨à¨¼à¨¬à©à¨¤ ​​ਵਿੱਤ੠ਯà©à¨à¨¨à¨¾à¨¬à©°à¨¦à© ਦ੠ਹà©à¨¨à¨°à¨¾à¨, ਵਿà¨à¨ªà¨ à¨à¨¿à¨à¨¨ ਦ੠ਮੰਠà¨à¨°à¨¦à¨¾ ਹà©, à¨à©à¨à¨¸ à¨à¨¾à¨¨à©à©°à¨¨à¨¾à¨ ਠਤ੠ਮà¨à¨¼à¨¬à©à¨¤ ​​à¨à¨¾à¨¹à¨à¨¾à¨ ਦ੠ਸੰਬੰਧ ਬਣਾà¨à¨£ ਦ੠ਯà©à¨à¨¤à¨¾.</p>
<p><b>ਸà©à¨¤à©°à¨¤à¨° ਵਿੱਤ੠ਸਲਾਹà¨à¨¾à¨° (ifa): </b>à¨à¨¸ à¨à©à¨®à¨¿à¨à¨¾ ਨà©à©° ਠà¨à¨¸à¨° ਪà©à¨¸à¨¼à©à¨µà¨° ਪà©à¨°à¨®à¨¾à¨£ ਪੱਤਰਾਠà¨à¨¿à¨µà©à¨ à¨à¨¿ ਸà©à¨à¨«à¨ªà© à¨à¨¾à¨ ਸà©à¨à¨«à¨ ਦ੠ਲà©à© ਹà©à©°à¨¦à© ਹà©. à¨à©±à¨¦à¨®à© ਹà©à¨¨à¨° ਠਤ੠à¨à©±à¨ ਮà¨à¨¼à¨¬à©à¨¤ ​​à¨à¨¾à¨¹à¨ ਨà©à¨à¨µà¨°à¨ ਸਫਲਤਾ ਲਠà¨à¨¼à¨°à©à¨°à© ਹਨ. ਸà©à¨¤à©°à¨¤à¨° ਪà©à¨¸à¨¾ ਪà©à¨°à¨¬à©°à¨§à¨, à¨à©à¨¦à¨®à©à¨à¨¤à¨¿à¨à¨°à© ਠਤ੠à¨à¨®à¨¾à¨ ਦ੠ਯà©à¨à¨¤à¨¾ ਦਾ ਠਨੰਦ ਲà©à¨à¨¦à© ਹਨ, ਪਰ ਵਿੱਤ੠ਬਾà¨à¨¼à¨¾à¨°à¨¾à¨ ਠਤ੠à¨à¨¤à¨ªà¨¾à¨¦à¨¾à¨ ਦਾ ਤà©à¨¬à¨° à¨à¨¿à¨à¨¨ ਲà©à©à©à¨à¨¦à¨¾ ਹà©. </p>
<p><b>ਬਹà©à¨¤à¨¾à¨à¨¾à¨¨à¨¾ ਪà©à¨¸à¨¼à©à¨µà¨°: </b>à¨à©à¨à¨¨à©à¨²à©à¨à©, ਵਿੱਤ à¨à¨¾à¨ ਡà©à¨à¨¾ ਸਾà¨à©°à¨¸ ਦ੠ਪਿà¨à©à¨à© ਦ੠ਨਾਲ, à¨à¨¹ ਵਿੱਤ੠à¨à©à¨¤à¨° ਵਿੱਠਤà¨à¨¨à¨¾à¨²à©à¨à© ਨà©à©° ਲਾà¨à© à¨à¨°à¨¨ ਦ੠à¨à¨¾à¨¹à¨µà¨¾à¨¨ ਹਨ. ਵਿੱਤ੠ਤà¨à¨¨à¨¾à¨²à©à¨à© (ਫਿਨà¨à©à¨) à¨à¨ ਵਧ ਰਹ੠à¨à©à¨¤à¨° ਠਤ੠ਹà©à¨¨à¨°à¨¾à¨ ਵਿਠਵਿੱਤ੠à¨à¨¾à¨¸à¨¼à¨¾à¨µà¨¾à¨ ਸਿੱà¨à¨£ ਠਤ੠ਵਿੱਤ੠ਬਾà¨à¨¼à¨¾à¨°à¨¾à¨ ਦ੠ਰà©à¨à¨¾à¨¨à¨¾à¨ ਨà©à©° ਸਮà¨à¨£ ਠਤ੠ਵਿà¨à¨¾à¨¸à¨¸à¨¼à©à¨² ਠਤ੠ਵਿà¨à¨¾à¨¸à¨¸à¨¼à©à¨² ਠਤ੠ਵਿੱਤ੠ਬਾà¨à¨¼à¨¾à¨°à¨¾à¨ ਨà©à©° ਵਿà¨à¨¸à¨¤ à¨à¨°à¨¨ ਵਿਠਵਿà¨à¨¸à¨¤ ਹà©à©°à¨¦à© ਹਨ.</p>
<h4 class="sub_head">ਯà©à¨à¨¤à¨¾</h4>
<p>à¨à¨¾à¨°à¨¤ ਵਿਠਪà©à¨¸à© ਪà©à¨°à¨¬à©°à¨§à¨¨ ਵਿਠà¨à¨ ਸਫਲ à¨à©à¨°à©à¨ ਰ ਲਠà¨à¨ ਮà¨à¨¼à¨¬à©à¨¤ ​​ਨà©à¨à¨¹ ਦ੠à¨à¨¼à¨°à©à¨°à¨¤ ਹà©à©°à¨¦à© ਹà©, à¨à© à¨à¨® ਤà©à¨° &#8216;ਤ੠ਵਿੱਤ, ਠਰਥ ਸ਼ਾਸਤਰ à¨à¨¾à¨ à¨à¨¾à¨°à©à¨¬à¨¾à¨° ਵਿਠਬà©à¨à¨²à¨° ਦ੠ਡਿà¨à¨°à© ਤà©à¨ ਸ਼à©à¨°à© ਹà©à©°à¨¦à© ਹà©. ਵਿੱਤ à¨à¨¾à¨ à¨à¨®à¨à¨¸ à¨à¨ à¨à©±à¨¨à¨¤ ਡਿà¨à¨°à© ਦ੠à¨à¨ à¨à¨¡à¨µà¨¾à¨à¨¸à¨¡ ਡਿà¨à¨°à© ਪà©à¨°à¨¦à¨¾à¨¨ à¨à¨°à¨¦à¨¾ ਹ੠à¨à© ਵਿੱਤ ਵਿਠà¨à¨®.ਬà©.à¨. ਸà©.à¨à©±à¨«.à¨. ਵਰà¨à© ਪà©à¨°à¨®à©à©±à¨ ਸਰà¨à©à¨«à¨¿à¨à©à¨ ਮਹੱਤਵਪà©à¨°à¨£ ਹਨ, à¨à¨¦à©à¨ à¨à¨¿ ਸà©à¨à¨à¨° ਨà©à©° ਨà©à¨µà©à¨à©à¨ à¨à¨°à¨¨ ਲਠਪà©à¨°à¨¦à©à¨¸à¨¼ (à¨à¨à¨®à¨à¨«à¨à¨) ਸਰà¨à©à¨«à¨¿à¨à©à¨ ਲà©à©à©à¨à¨¦à© ਹਨ. ਠੱਠਦ੠ਤà¨à¨¨à©à¨à© à¨à¨¾à¨°à¨µà¨¾à¨ à¨à©à¨¤à© à¨à¨ ਵਿਸ਼ਵ ਵਿੱà¨, ਡà©à¨à¨¾ ਵਿਸ਼ਲà©à¨¸à¨¼à¨£, à¨à¨à¨ ਠਤ੠ਫਿੰà¨à©à¨ ਨਵà©à¨à¨ ਤà¨à¨¨à©à¨à¨¾à¨ ਲਠਸਮਠਠਤ੠ਠਨà©à¨à©à¨²à¨¤à¨¾ ਲਠà¨à¨¼à¨°à©à¨°à© ਹਨ.</p>
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